23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

Back in XX/XX/2023, I singed up for XXXX XXXX XXXX Account as part as my high deductible plan at work. 
I have been contributing to this account through payroll deductions every two weeks and I could see my deductions but I never received the card or a statement. I haven't been to the XXXX this year so I really didn't need the card yet. 

In XXXX they sent me an statement with 19 different transactions adding up to {$1600.00} that I didn't make because I never received the card. Some of the transactions are made at XXXX XXXX for less, which are not even supposed to go though, because is not a health related expense, XXXX, XXXX, XXXX XXXX, etc... 
I called the number on the statement and explained the situation and told them I never got the card, activated or anything like that. 
They told me that the card does not need to be activated, it automatically comes activated and loaded with money from my paycheck and since the transactions were made more that 55 days ago and I didn't report them they will not refund the money. 
I filed a fraud report explaining the situation, I have tried to talk to a XXXX or C-suit XXXX and nobody has responded with a solution. 

I have only received XXXX statements on the mail XXXX in XXXX no transactions and the other one in XXXX with all the charges. How was I supposed to know someone was stealing my money? 

I can not believe they mail XXXX cards and they don't have to be activated with XXXX or SS #, I am out of options and I dont know what to do. They are not willing to even perform and investigation to see who stole my card. 

Please let me know if you need any more information so I can get my money back. 
Thank you,
Product: Checking or savings account

Working with chime company, Had fraud on a credit builder checking account XX/XX/2023 was resolved in my favor funds were credited back to a closed account, as account is closed Im u able to withdraw or transfer funds to another account chime member service has confirmed several emails that the check went out in XX/XX/2023 then another email in XX/XX/2023 as my issue isnt being resolved I am communicating via phone and email and email response is automatic and continue to request my address also confirming check is out received another email today saying credit to my account however chime failed to provide me documents with proof my current checking account was credited researching all history chime has yet to send me disbursement funds as I have referred to companies closing account procedure the 90 days service level has expired and my issue isnt resolved or handled properly
Product: Credit card or prepaid card

I recently received a notification that a new credit card was opened in my name. I reviewed my credit report and saw that a Kohls charge card was opened on XX/XX/22. This was not done by me and in order to dispute, I was told I needed to file a complaint on this website.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reported to both American Express and first premier bank that this account was re aged and that this in accurately reporting is hurting my credit in harmful way.ive tried to resolve this violation of my rights under the fair reporting act. XXXX  and XXXX  shouldnt allow American Express to repot a closed account be re aged with out an investigation
Product: Bank account or service

I have a contract with Wells Fargo Bank for an automobile loan and have been making more than the required payment sine day XXXX XXXX 2013 ). My monthly payment is made automatically through my online banking account and has never been late. However, every once in a while I get a monthly statement for more than the amount on the contract, but it is not due for some XXXX to three months later while the current overpayment is still being made automatically every month through my bank. It appears that Wells Fargo is not taking the money from my monthly overpayment and applying it to the principal, but is applying the excess amount to future payments and holding those funds until that payment is due thusly, I am paying interest on the remaining balance of the loan and not the decreasing balance if they were to apply the excess payment to the principal loan balance. This seems highly unethical to hold my money and wait for a payment to be due rather than applying it to the principal balance every month and decreasing the monthly amount that I am paying interest on. There is no place on the monthly statement to fill in any amount of additional principal included in the payment. Thank you ...
Product: Debt collection

I received a letter dated XX/XX/2021 from XXXX XXXX XXXX XXXX claiming they are trying to collect an alleged debt of {$680.00} for the " current creditor, '' LVNV Funding LLC, which is a debt collector that is attempting to collect an alleged debt for another creditor, XXXX XXXX XXXX, XXXX. 

There has been no verification or validation of an alleged debt from LVNV Funding LLC, nor any proof that either company is legally allowed to collect debt in the State of Nebraska.
Product: Credit reporting or other personal consumer reports

Dear CFPB Representative, I am writing to formally dispute multiple unauthorized hard inquiries reported by Experian on my credit report. I have contacted Experian on numerous occasions regarding these inquiries ; however, they have failed to provide any proof or documentation that I ever authorized these actions. This matter is adversely affecting my credit profile, and I respectfully request your assistance in resolving this issue. 

The inquiries in question are as follows : XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX  XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX  XX/XX/year> XXXX XXXX  XXXX XX/XX/year> Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i, I have the right to dispute any information on my credit report that I believe to be inaccurate or unauthorized. The FCRA mandates that credit reporting agencies conduct a reasonable reinvestigation and provide adequate verification for any disputed items. In this case, Experian has not met its obligations, as they have repeatedly failed to furnish the necessary evidence to substantiate these hard inquiries. 

To support my dispute, I have attached the following documents for your review : A copy of the FTC report detailing the disputed inquiries. 
A copy of my government-issued identification. 
Documentation containing my Social Security Number ( provided for identification purposes ). 
Proof of my current address. 

I respectfully request that the CFPB investigate this matter and take appropriate action against Experian for non-compliance with federal law. The continued presence of these unauthorized inquiries is causing significant harm to my creditworthiness, and I urgently seek your intervention to help uphold my rights under XXXX law. 

Thank you for your prompt attention to this serious matter. Should you require any further information or additional documentation, please feel free to contact me at the phone number or email address provided above. 

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

Wells Fargo is reporting a late notation on my credit file for XX/XX/20 that needs to be removed. I recently looked at my credit and noticed this late on my credit file. Due to XXXX and the unforseen events in my life because of it, I was severely financially impacted. I had a very hard time and was very scraping by on bare necessities. I was surprised to see Wells Fargo report any lates at this time since under the CARES act creditors were supposed to take leniency on credit reporting because of hardships surround the pandemic. The bureaus specifically stated they expect consumer reporting agencies to make good faith efforts and have leniency. I ask that Wells Fargo please take leniency on my hardship and remove my XX/XX/20 late as a onetime goodwill adjustment.
Product: Credit reporting or other personal consumer reports

Subject : Urgent Demand for Correction of Errors on My Consumer Report To Whom It May Concern, I am writing to formally request the immediate investigation and removal of inaccurate information from my consumer credit reports. This communication is addressed to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), XXXX, XXXX, and Experian and is made pursuant to my rights under the Fair Credit Reporting Act ( FCRA ). 

Upon receiving an updated consumer report, I have identified several unauthorized inquiries and erroneous late payments recorded on my credit file, which do not accurately reflect my account history. The items in question are as follows : **Unauthorized Credit Inquiries : ** 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 Experian Business XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These inquiries were not authorized by me and must be removed from my credit reports promptly. 

**Erroneous Late Payments : ** The following tradelines have inaccurately reported late payments, despite my consistent payment history : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I demand that the credit reporting agencies provide detailed information regarding any communication that was conducted to verify these alleged late payments, including the name, email, and position of the person spoken with at these institutions. Given the inaccuracy of these reports, I insist on an immediate correction or removal of these entries. 

**Actions Requested : ** - Remove all unauthorized inquiries within five business days. 
- Correct or remove the false indications of late payments from the tradelines listed above. 
- Provide an updated copy of my credit report reflecting these changes. 

These discrepancies on my credit reports have caused considerable distress and impede my financial integrity. Please expedite this investigation and provide written confirmation of the updates. 

If these mistakes are not rectified within the specified time frame, I will not hesitate to seek further action to preserve my consumer rights. 

Thank you for your prompt attention to these serious issues. 

Sincerely,
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and incomplete information on my credit report Specifically, I am an Authorized User on a XXXX XXXX XXXXXXXX credit card account ending in XXXX, which is Not being reported on my credit file ; according to the Fair Credit Reporting Act ( FCRA ) Credit Reporting agencies have a Legal Obligation to report Accurate and complete information, the absence of this account is a clear Violation of my rights under the FCRA. ACCOUNT DETAILS : Creditor- XXXX XXXX ACCOUNT TYPE : XXXX Credit Card ACCOUNT NUMBER : ( Lasr XXXX dgits ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX BILLING CYCLE : XX/XX/year> - XX/XX/year> ( As per attached statement ) * This account was Already disputed before you ( CFPB ) on the date XXXX And Experian did Not investigate and did not make any changes to my credit report regarding this account mentioned.
Product: Vehicle loan or lease

response from XXXX XXXX financial did not provide proper documentation. Verifying my address, phone number, calls emails, or any statements is not validation of debt.See attached.
Product: Payday loan, title loan, personal loan, or advance loan

On XX/XX/year>, I applied for a loan through the website ( eloanwarehouseXXXX  ) which included my name, job, income, reason for applying ( which was moving ), and social security number. After pre-approval online, the next step was for me to call a number to finish the approval process, I called the number listed : ( XXXX ) XXXX. The representative walked me through the process of verifying my income through an online bank verification platform called XXXX. He sent me a link via email and by text message. I clicked the XXXX link, selected my bank, and logged into my bank to share my information for income verification. After completion he asked me to do an online ID verification by sending me another link via email and text. I clicked the link and it was a platform that verified identities I took a snapshot of my ID, front and back then it asked me to scan my face side to side. After the identity verification, he told me to wait a few moments while he gets final approval. At this moment I could hear other people talking in the background, and I felt like it was a scam. He came back and told me that I was approved for {$1000.00} he read me my terms and conditions, and my bi-weekly payment amounts. He told me to accept the terms and conditions via email. He asked for my debit card number to instantly send the funds. After I gave it to him, he processed it, and he said oh, come on! What should I do? Then the phone went silent. At this moment I knew it was a scam and got worried. He came back XXXX seconds later and said my bank is blocking the deposit. I need to call them to unblock it. After he hung up, I logged into my online bank account and it was locked. I called XXXX XXXX explained what happened, and they confirmed that it was scammers, they immediately closed my account and reset everything. I upgraded my Iphone, and reset my password. I havent heard from the company since the XXXX
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Inaccurate Information - Failure to Investigate in Violation of FCRA 605B And 611 Dear Experian, This letter serves as a formal dispute regarding inaccurate and unverifiable information on my credit report. Despite multiple attempts to address this matter, Experian has failed to conduct proper investigations and continues to report inaccurate information, in violation of the Fair Credit Reporting Act ( FCRA ) and as supported by the Consumer Financial Protection Bureau ( CFPB ) lawsuit against Experian for sham investigations. 
The disputed accounts ) include : Account Number - XXXX Account Name - XXXX XXXX Account Number - XXXX Account Name - XXXX  XXXX Under FCRA 605B [ 15 U.S.C. 1681c-2 ], I am entitled to have fraudulent or unverifiable information blocked from my credit report upon providing proper notice. Additionally, the CFPB has documented Experian 's systemic failures to investigate disputes properly, including : Conducting sham investigations. 
Failing to provide consumers with accurate or consistent investigation results. 
Improperly reinserting deleted information. 
I have attached supporting documentation to substantiate my claim, including, police report, identity theft affidavit, account statements, previous dispute correspondence, etc. 

DEMAND FOR RESOLUTION
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted XXXX and notified them I no longer wanted this account. Apparently, the account wasn't actually closed and the annual fee was billed in error. I was contacted by XXXX 's collection department stating I was past due. Fortunately, the phone rep corrected the issue by refunding the fees and closing the account but I now see they have reported me 90 days past due which dropped my credit scores 100 points.
Product: Credit reporting or other personal consumer reports

I was a victim of the Equifax data breach. I want these items, delete it from my credit reports as you can see the CAPB actually deleted them because I was a victim of this data breach. 
My information was sold and bought illegally because I was a victim of the Equifax data breach. I want these items deleted from my credit report effective immediately I am attaching proof that Equifax has admitted that I was in fact a victim of this data breach and Equifax has done nothing. Please help me delete these illegal accounts from my credit reports. 

list of all the negative accounts from my credit reports Equifax 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 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 card or prepaid card

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Phone : ( XXXX ) XXXX RE : Account # XXXX Hey guys, My name is XXXX XXXX XXXX XXXX. 
I was going over my credit report and I wanted to get an account validation. 
Im in the process of getting my taxes and things in order and this is just something that I feel needs to be taken care of aswell. 
I am exercising my right to request validation on any debt that is alleged to me. 
In this climate of data breaches and such, I just need to be absolutely sure that none of my data has been compromised and used without my authorization. 
Im basically asking that you provide me with competent evidence that I personally have a legal obligation to pay you and that you are actually who you say that you are as well. 
When your offices provide the proper documentation as requested in the following declaration, I will need about 30 days to investigate this information. During such time all collection activity must cease and desist. 
Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel for suit. This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated. 
If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. 
Im not looking to have you verify my name and address. Im actually looking for a few specific details and I will go ahead and list them below. XXXX
Product: Debt collection

Someone by the name XXXX XXXX is calling multiple people trying to get in contact with me. I called her and asked her to stop because its harassment, and she said that it isn't.
Product: Credit reporting or other personal consumer reports

I asked all of the credit companies to remove items off of my credit report and all items are still on all three credit reports affecting my life and inability to obtain jobs, houses, and much more. As of XX/XX/ they have not removed the items and are now in violation of the FCRA laws. 
15 U.S. Code 1681n - Civil liability for willful noncompliance The following accounts are XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The following are inquries XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX.
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am writing to formally dispute the inaccurate information being reported by XXXX XXXX XXXX regarding my auto loan account. According to XXXX XXXX, my account is being reported as open, past due, and with late payments. This has affected my credit and bringing my score down XXXX points when XXXX reported on XX/XX/XXXX my account was negative outstanding balance and still open. However, I paid off this loan in full on XX/XX/year>. When I contacted XXXX on XX/XX/year> making them aware of this error. I was told it takes XXXX XXXX  from the date it was paid XX/XX/year> to receive a letter stating that it was closed. No letter has been received and the account is still reflecting negatively on all three credit bureau reports. 

I have attached documentation showing the final payment made and confirmation from XXXX XXXX XXXX that the loan was settled in full on that date. Despite this, they continue to report the account inaccurately, which is affecting my credit standing. 

I request your assistance in resolving this issue and having the incorrect information removed or corrected on my credit report. 

Thank you for your attention to this matter. I look forward to your response and a swift resolution. 

Sincerely, XXXX XXXX XXXX financial services account number XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The information currently reflecting on my personal credit from " XXXX XXXX XXXX '' is being reported as derogatory. This negative information should not be reflected at this point due to it meeting the 7 year threshold negative information should be showing on a credit report. I'm requesting that all accounts be updated to a positive status and/or deleted from my file. This account was refinanced during a divorce proceeding as well.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to XXXX XXXX XXXX and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under XXXX XXXX. XXXX when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within XXXX business days. 
To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiries : XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX As required by XXXX U.S.C XXXX, please block this fraudulent information from my credit report immediately. This information should be blocked for XXXX year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than XXXX  days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you