23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

At the beginning of this month, XXXX, I looked at my credit report and found multiple inconsistent and inaccurate information from multiple creditors. One of those creditors is Chase. They are reporting two accounts to the credit bureaus, with multiple inaccuracies and inconsistent information that violates the FCRA and is non Metro2 compliant. 

Because of these violations, on XX/XX/2021, I sent Chase a letter stating that they are reporting inaccurate & inconsistent information on my credit report. I requested that they show me proof that they are reporting 100 % accurate information, and if they could not provide me sufficient proof, then I request an immediate deletion. 

On XX/XX/2021, Chase sent me a letter back stating " Your request didn't have enough information for us to begin an investigation. '' Which I don't agree with. I sent them a letter with all the information they needed to start an investigation. 

I am reaching out to the CFPB to make sure that Chase takes my concerns seriously and helps me delete this inaccurate and inconsistent information off my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

LENDINGUSA # XXXX is reporting a balance on my credit report. This account has already been paid and the balance should be updated to {$0.00}. This is a violation!
Product: Money transfer, virtual currency, or money service

Cash app has had no customer service support phone for me to contact them for and consumers help or services
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX {$1700.00} Open XX/XX/year> I have disputed this twice and the company marked it verifiable with no documentation I requested. I asked them to remove it within 30 days via XXXX XXXX, if no proof was provided.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

I recently looked at my credit report ( TransUnion, XXXX and XXXX ) and it indicates that I was 30-59 days late on my XXXX University loans in XX/XX/XXXX / XX/XX/2016. 
I was not late. 
I would like to let it be known that I received the letter attached ( dated XXXX/XXXX/2016 ) from XXXX XXXX ' that clearly displays a quarterly amount due of {$560.00} ( quarterly payment due date : XXXX/XXXX/16 ). 
I would like to let it also be known that I logged in to XXXX, and made a payment of {$560.00} on XXXX/XXXX/2016 - which is the amount that was due, and which is the full amount that was indicated and reflected as due online at that time. My payment history in the last 12 months ( Attachment XXXX ) shows that I have been paying at least this amount every quarter. 
I have not received any written or verbal notification of change in my quarterly amount {$560.00} or my interest rate. I was not aware that a late fee would be assessed or was assessed since this was not reflected on XXXX on XXXX/XXXX/2016 when I made full payment. 
This incorrect record on my credit report has caused severe damage to my financial life, and I would like to request the credit bureau to immediately DELETE this record as it is false.
Product: Credit reporting or other personal consumer reports

Capital one closed my secured credit card without my permission. They then took my secured downpayment to that card and inserted that to my last payment. They also put late payments on my credit reports that were not late. I called them and told them there were fraudulent activities on this card and gave them the items that they needed to remove and update they did take some off but left a whole bunch that could of covered what I owed and my card would of still been open. I called them in XX/XX/2023 to tell them about these fraudulent transactions then I just had to call them again in XXXX XXXX to tell them that they forgot items that I listed that needed to be removed. I want my deposit back that they took from me I want my card turned back on and also I want them late payments removed. They violated 15 USC 1681 s-2 and when I told they said they was going to fix this problem and will take weeks to happen. While all of this is happening o cant go get me a new car because of these late payments on my credit report that is hindering my credit score and credit worthiness to other companies.
Product: Checking or savings account

Bank of America Fraud Dept allowed a fraudulent hacking/scamming of {$18000.00} from our Bank of America account XXXX XXXX XXXX back in XX/XX/XXXX, through XX/XX/year>, with the full knowledge and approval of Bank of America Fraud Dept .
Product: Credit card or prepaid card

My name is XXXX XXXX. I am disputing a charge on a bill Capital One sent to me on XX/XX/2021. That bill includes a charge for {$1200.00} to XXXX XXXX. This amount is an error. I have explained to them in detail about this merchant. We also did a conference call with the merchant and XXXX on the line recommending that they refund me back my money and Capital One refuse to do so because they are wanting a written consent from the merchant who told them that they will not be sending a written consent. Capital One then took upon themselves to say they can not refund me back for services that were not given because they do not have the funds back from the merchant. XXXX has recommended they have already refunded me back which they did and because Capital One can not get it back from the merchant they want me to pay for it and will not reverse the charge back. I refused to pay for services that were not given to me, so I sent them a letter as the first step in asking that the charged be removed from my account. I have three recordings on all calls made to the merchant, myself, wedding planner, and XXXX informing Capital One of the dispute and the refund that I have saved for proof of evidence. I have also sent them supporting documents with proof of evidence via email as I was instructed to do. This makes Capital One second time doing this to me because it also happened on a {$300.00} charge for a cake deposit that was paid that they also closed on me. 

I paid XXXX XXXX to decorate my wedding on XXXX XXXX. My wedding planner reached out to the XXXX XXXX to see why he has not responded to emails and the contract he was to update to reflect the services he will be doing for me, and he told my wedding planner 17 days before the wedding that he no longer wanted to do my wedding. My wedding planner then asked him what he bought with the {$1200.00} he said he bought items to decorate for the wedding. She asked if she could come and pick it up. He said yes that he will call her back by the end of the day. The end of the day came no call, so we reached out to him no answer. We then called him the following morning to see if we could get the merchandise, he then told us he did not have it, so we then called Capital One to dispute the charge for services not given and this is where we are. I have been trying to resolve this matter and the last manager I spoke with XXXX id : XXXX on XX/XX/2021 told me there was nothing they could do. I then told her to close my account until this is resolved before I make anymore payments to Capital One. I have been an excellent paying customer for quite some time and can not believe I am overseeing a charge or service that was not given.
Product: Debt collection

negative report on credit that is not mines and I was never notified or sent anything about this debt that does not belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the fair credit Reporting act. the list of accounts below has violated my federally prortected consumer rights to privacy and confidentiality under 15 usc 1681. 
account name XXXX XXXX XXXX XXXX account name XXXX XXXX XXXX XXXX XXXX XXXX XXXX  account name XXXX XXXX XXXX account name XXXX XXXX XXXX XXXX XXXX has violated my right to privacy. 15 usc 1681 section 602 A. states i have the right to privacy. 15usc.C 1681 secction 604 A section 2 ; it also states a consummer reporting agency can not funnish a account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) section states ; no consumer reporting agency may make any consumer report containing any of the following items of imformation any other adverse item of imformation, other than records of conviction of crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any anformation relating to a consumer any consumer reporting agency if the person knows reasonable cause to believer that the information is inaccurate.
Product: Debt collection

SANTANDER CONSUMER, has had the amount of {$5700.00} on my credit for the past 10 years, this amount which was supposed to be paid off by the GAP insurance company at the time off my accident. 
The vehicle was a total loss deemed by the insurance company, after 6 months the balance was placed on my credit and when I called to find out why they said ( SANTANDER ) never called the GAP insurance provider to have the balance paid in full. ( which was not my fault ) This has been on my credit for the past ten years, which is past the statue of limitations. 
And the balance keeps going from a collection account, to now back to a OPEN charge off account. 

Also the account is currently showing an incorrect payment date, is has a last payment made of XX/XX/XXXX, but my last payment made was back in XXXX since the accident.
Product: Debt collection

Loan went into default after illness. Contact mailings about default were sent to old addresses and discontinued phone numbers. Four years later finally contacted present address. I suffer from XXXX. In and out of XXXX ; spotty work record. My mother offered to pay off the debt by collection agency will not allow full payment ; will not allow reduced fee. Collection agency will not mail the questionnaire for payment plan- insists on phone call only, mentally I can not handle that type of interrogation. I just need them to stop harassing me. Threatening me with garnishment when I just now got a job. I am homeless most of the time. The stress of the threats causes me to lose my jobs. I can only work about XXXX hours a week XXXX. I want help just paying off what is fair and making them put their offers in writing- I ca n't handle talking to people. My mother is will to help
Product: Credit card or prepaid card

I purchased a new piano. This piano was delivered with a defect. Salesman said that it could be exchanged with a new one. That exchange occurred, but we were given a used showroom floor model. We went back to the store, saw that the showroom model was missing, and asked for a refund. Merchant refused to refund. 

We disputed the charge with Citibank Visa & provided them evidence of what happened. Citibank went to merchant and asked for credit on this charge. But merchant refused, and Citibank sent a final letter to me saying " since we are unable to obtain compensation from the merchant, your account has been rebilled ''. 

Citibank initially agreed to my response/evidence and asked merchant for credit. But if merchant refused the chargeback, then why is Citibank rebilling me? 

According to the cardholder agreement, I have a right not to pay this amount. I am considering bringing this case to 3rd party arbitration, which is my only legal path of escalation left. I do not want to pay the amount under dispute, but Citibank 's dispute center representative said that I must pay if I did not want to incur interest charges. I am afraid that if I paid the disputed charge, I'll lose my billing rights which says : " ... you may have the right not to pay the remaining amount due on the purchase '' provided that " ... you must not yet have fully paid for the purchase. '' Can you help get some clarification from Citibank on why they are billing me if the merchant is at fault? And if this is pursued under 3rd party arbitration, is there a way to issue a conditional credit so that I do not have to incur any penalties while this is being arbitrated? 

Sincerely, XXXX XXXX Citibank dispute ID : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have previously disputed this item with Equifax ( Bankruptcy XXXX ) and their response is this bankruptcy was verified accurate on XX/XX/2021, stating that they have verified the information with XXXXBankruptcy court XXXX I contacted XXXX Bankruptcy courts and their response is enclosed in this statement. XXXX was unable to verify the accuracy of this bankruptcy and subsequently removed this record from my credit report. Bankruptcy courts does not report any information to the credit bureaus and is NOT responsible for verifying or validating information to consumers credit files. The reporting requirements do comply with the FCRA & 611 ( 15 U.S. & 1681 ) and this information should be deleted immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to the company because I saw that multiple credit reporting agencies fraudulently obtained my information and fraudulently accessed my consumer reports and made entries to my reports. I also reached out to the Consumer Financial Protection Bureau, because pursuant 16 CFR 313, the Bureau must enforce Federal Law. I OPTED OUT, pursuant to 15 USC 6802, 12 CFR 1016.1, also making them aware of the violations committed against me were in violation of the XXXX XXXX XXXX XXXX. The purpose of 12 CFR 1016.1, as disclosed by the congress, governs the treatment of nonpublic personal information about consumers by the financial institutions, that they listed.

I also informed all consumer reporting agencies of them violating my privacy, pursuant to The Privacy Act of 1974, 5 USC 552a. Part b of 5 USC 552, states the conditions of disclosure, " No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains.

In accordance with the FCRA, 15 USC 1681 section 602, there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. XXXX, Experian, XXXX, XXXX and XXXX XXXX are consumer reporting agencies, and I am the consumer, to whom these consumer reports relate to. XXXX XXXX, XXXX, XXXX XXXX XXXX and XXXX are all financial institutions as defined in 15 USC 1681 section 604. None of these companies had my permission to disclose my personal nonpublic information, verbal nor written consent was supplied by me to these companies. XXXX, Experian, XXXX, XXXX, and the companies listed above, verbal, non-verbal, written, implied or otherwise is revoked, pursuant to 15 USC 6802 ( b ) ( c ). 

Experian, XXXX, XXXX, XXXX and XXXX XXXX, are also in violation of 15 USC 1681C ( a ) ( 5 ), which states no consumer reporting agency may make any consumer report containing any of the following items of information, Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

The admissions of the Department of EducationXXXX and US Dept of Ed in my consumer file are violations of Federal Law, pursuant to 20 USC 1232g ( b ). The Family Educational Rights and Privacy Act is a federal law enacted to protect the privacy of student education records. FERPA protects public and private school records.
Product: Credit reporting, credit repair services, or other personal consumer reports

Pursuant to 15 U.S. Code 1681c-2 - Block of information resulting from identity theft ( a ) Block - Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of - ( 1 ) appropriate proof of the Identity of the consumer : ( 2 ) a copy of an identity theft report : ( 3 ) the identification of such information by the consumer ; ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

Please block this fraudulent information per sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act. I am requesting that the following fraudulent accounts be deleted and blocked from my credit file : Fraudulent inquiries XXXX date of inquiry ( XX/XX/2021 ), XXXX  date of inquiry ( XX/XX/2021 )
Product: Mortgage

I was laid off a few years back and fell 2 months behind. I've been keeping up with payments but can't catch up on the 2 past payments. I wrote letters asking if they can put the owed balance to the end of my loan. They never answered back and keep adding charges. I'm up to XXXX in back pays. They also never sent me a mortgage coupon booklet for XX/XX/XXXX so I continue paying what I paid a month for XX/XX/XXXX. They're not helping me at all. I'm in desperate need of help. I am supporting XXXX kids with no help and it's impossible to catch up with all these penalties. Please help. My loan is with pnc
Product: Checking or savings account

I went to the bank and spoke to XXXX XXXX assitant vice president and assistant branch XXXX for the XXXX XXXX XXXX Bank of Hawaii. I explained I am the lineal land holder and have been communicating to XXXX XXXX bank. She spoke to legal and they requested the information which was emailed on XX/XX/2024 and then i was told to remove them from my email thread after they read my documents. The bank didnt state whether i had a valid claim or not. They just avoided me and tried to get me illegally arrested on XX/XX/XXXX.
Product: Checking or savings account

XX/XX/XXXX, disputed fradulant charges, 4 total fradulant ATM transactions a total of XXXX called USAA bank and reported fraudlant charges. USAA canceled card and issued a new one to me, arrvied 3 days later on XX/XX/XXXX XXXX new card, XX/XX/XXXX, 4 fraudlant charges on account in a total amount of XXXX called and disputed this a fradulant charges. 

bank dide a provision credited on the money back on both disputes and launched investigation. 

XX/XX/XXXX, i was sent 2 documents stating that both of my fraudlant claims were denined and deemed unfradulant. Usaa then revserved my credits and quoted " information provided during the claims was concluded to be non fradulant. 

i am out XXXX XXXX 

i called and asked to appeal these claims and they have reopened the investgation. 
when i spoke to fruad department, there were no notes on my claims reports entered by the call service reps. 

between XXXX until present date fruadulant activity has happened multiple times throught my memebership with USAA and i have never had an issue. each time they have launched the investigation first and then reimbursed my amounts back to me but in this case, they offered the credit first before in investigation ( which in my mind is was accepted as fraudlant activity from the investigation due to the money being returned )
Product: Credit reporting or other personal consumer reports

I'm writing to you to dispute the status of XXXX XXXXXXXX XXXX XXXXXX/XX/2023 XXXX XXXX XX/XX/2XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2023 because this inquiry are inaccurate a they are not attach to any open account, are fraudulent, theres no evidences that belong to me. 


Consequently, I respectfully request that you update your files to show this inquiry out my report because is inaccurate, if you don't update it, please inform me with a writing why you haven't done so and what sources you have consulted in your investigation regardless on what you do pleas provide me with a copy of all the information on your files regarding me. tank you. 

sincerely XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission XXXX XXXXn accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Product: Checking or savings account

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX XXXX XXXX, XXXXXXXX XXXXDiversified Adjustment Service, XXXX XXXX XXXX XXXX XXXX, MN XXXXXXXX XXXXReference Number XXXX XXXX XXXX Dear Sir/Madam, I am writing to dispute a debt that your company claims I owe to XXXX  under account number XXXX. I believe this debt is the result of identity theft, and therefore, it is not my responsibility to pay it. 

On XX/XX/year>, I received a bill from XXXX for this account, which I did not open or authorize. I have already contacted XXXX  to dispute the validity of this debt and have provided them with supporting evidence, including a copy of a police report. Despite my efforts, this issue remains unresolved. 

As this account is fraudulent and was opened without my consent, I request that you cease any further collection activities on this account. Additionally, I demand that you take the necessary steps to ensure that this debt does not appear on my credit report. 

Please consider this letter as a formal dispute of the debt. I also request that you provide me with the name and address of the original creditor, along with any documentation that proves I am responsible for this debt. 

I appreciate your immediate attention to this matter and expect a response confirming that this issue has been resolved and that you will no longer pursue this debt. 

Sincerely, XXXX XXXX
Product: Vehicle loan or lease

I have tried to refinance my vehicle twice with XXXX different banks or financial institutions. Both companies have informed me that Arivo Acceptance have not reported any payments I have made on my auto loan to the credit bureaus since XX/XX/year>. It has been 15 months since any payments have been applied to my credit report which has hindered my ability to obtain refinancing and has greatly impacted my credit score in the process. I have called Arivo Acceptance and emailed their credit department to no avail. Financial institutions have informed me that the current balance displayed on my credit report is close to $ XXXX, it is actually $ XXXX, due to this inaccuracy, I have been denied refinancing multiple times.
Product: Credit reporting or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. 
XXXX XXXX XXXX XXXX Balance : {$1000.00} ; XXXX XXXX Balance : {$780.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XX/XX/2023.