23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX should refund of {$370.00} due from an overpayment by me on their XXXX  credit card. Instead, the XXXX  credit card indicates a billing error showing charges in excess of {$2500.00} that I did not approve. In addition, XXXX erroneous reporting to credit bureaus has resulted in very negative credit scores. 

In XX/XX/XXXX I paid for 2 roundtrip airline tickets to XXXX charging the amount on the XXXX XXXX card. The amount was paid in full within 30 days, resulting in a XXXX balance. Upon return from the trip, new charges appeared on the XXXX card that I disputed. I cancelled the card having made no charges except for the initial roundtrip airline ticket. In XX/XX/XXXX I overpaid {$370.00} to a charge on the statement billed by XXXX that was in error. To date I have not received this refund. 

A XXXX Letter, dated XX/XX/XXXX in reference to my XXXX   credit card account, stated the credit card dispute is resolved and I am credited {$85.00}. That credit never appeared. Instead of refunding the XX/XX/XXXX overpayment, I have been billed by XXXX with unauthorized credit card charges resulting in {$2500.00}. In addition, XXXX has also reported a default in payments to the 3 major credit bureaus. 

The only charges authorized are as follows : On XX/XX/XXXX I booked 2 roundtrip adult tickets to XXXX. 
Depart XX/XX/XXXX- Arrive XX/XX/XXXX with seats reserved XXXX/XXXX XXXX : Ticket Record XXXX XXXX XXXX , FL XXXX , XXXX ; XXXX , XXXX XXXX , FL {$1500.00} x2 -  {$100.00} for promo using XXXX  XXXX Credit Card XXXX XXXX Credit Card- Paid XX/XX/XXXX {$3000.00} Balance : - XXXX XX/XX/XXXX overpayment {$370.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

A few week

s ago I sent letters to all 3 credit bureaus regarding some items on my credit report which I know are not accurate which is a violation of the FCRA and FDCPA and you must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party. The CRAs are in violation of my rights due to not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I request these accounts to be deleted from my credit asap or I will take legal action and hire a lawyer. I want to purchase a house soon and this holding me back. I would like the items I disputed in my letters to be handled accordingly based on the reasons that I put in my letters.
Product: Credit reporting or other personal consumer reports

Hi Transunion, I was looking over my report and I noticed these accounts listed below are not ensuring maximum possible accuracy according to the FCRA. Delete accounts listed below for violation of the fair credit reporting act. 

XXXX XXXX XXXX XX/XX/XXXX XXXX. I have no knowledge of this account, this account is fraudulent. This account isnt mine. Please remove this account of my credit report as it is messing with my livelihood. This account is not showing maximum possible accuracy according to 15 USC 1681e ( b ), the open date, date last active is not accurate. - Delete Account Immediately for violation of 15 USC 1681e ( b ). 

XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX This account is not showing maximum possible accuracy according to 15 USC 1681e ( b ), the open date, date last active is not accurate. - Delete Account Immediately for violation of 15 USC 1681e ( b ).

CFPB I have disputed this account in the past multiple times evidence is in dispute history this credit bureau has failed to provide procedures and steps taken to verify this account after me asking for it multiple times. Please remove this account because it isnt accurate you can not verify it or provide evidence that this account even belongs to me. My credit file was also exposed in data breach. Please remove this account I have no knowledge of the account and it isnt mine. 

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

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/2021, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of accounts that are still reporting on my Credit Reports : XXXX XXXX-Balance {$0.00} XXXX XXXX-Balance {$0.00}
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX  Date of Inquiry XX/XX/year>, XXXX  Date of Inquiry XX/XX/year>, XXXX Date of Inquiry XX/XX/year>, XXXX XXXX Date of Inquiry XX/XX/year>, XXXX XXXX Date of Inquiry XX/XX/year>, XXXX  Date of Inquiry XX/XX/year>, XXXX Date of Inquiry XX/XX/year> & XXXX Date of Inquiry XX/XX/year>
Product: Credit card or prepaid card

I have a XXXX  store credit card run through Commenity bank. My bill is due the XXXX of every month that I make purchases. Its so rare that I dont have autopay set up and I prefer to physically go in and pay the bill. I went in on XX/XX/2022 and saw this big red message about a system update failure and to try their new easy pay system. It claims you dont need a login to pay bills and such. Well that didnt even work. So then I try to login regularly, didnt work. I tried calling and then got an automated message about the system update, using easy pay, and then all staff are busy please call at a later time followed by a hangup. Want to chat with someone online? Have to login to do that. Their owner company is Bread XXXX. Called them. Same exact automated message. Thats when I went to XXXX. And found all threads through XXXX and all the consumers having the exact same problem. Heres the thing : at this time, they were only claiming to waive late fees if your payment was due XX/XX/XXXX & XXXX. That did me no good with a XX/XX/XXXX payment. They kept advising to call or make a payment with easy pay, neither of which work. A lot of speculation regarding a hack vs a system update. Regardless, they needed better communication. It wasnt until today, XX/XX/XXXX, that they said payments through XXXX XXXX will have waived late fees and wont effect your credit. Thats too late. They have not communicated effectively with what has gone on. Its effected consumers, retailers, and average creditors. When it comes to my finances I deserve to know exactly what has happened and to lose all capabilities for more than a week, during the time most bills are due, is too suspicious. And I know that if it was a system upgrade, there is way to default to the old system should the new one not work properly - just to keep things running. Im considering cancelling my credit card simply because I no longer trust this bank to handle it.
Product: Credit reporting, credit repair services, or other personal consumer reports

SANTANDER CONSUMER USA is reporting information on my XXXX  XXXX and XXXX   credit report that is NOT MINE AND WILL NOT REMOVE Account # XXXX Original Creditor - Company Sold - Account Type INSTALLMENT Date Opened XX/XX/XXXX Account Status Closed Payment Status Paid, was past due 90 days Status Updated XX/XX/XXXX Usage - Balance - Balance Updated XX/XX/XXXX Original Balance {$16000.00} Monthly Payment - Past Due Amount - Highest Balance - Terms 72 Months Responsibility Individual Your Statement - Comments -
Product: Credit reporting or other personal consumer reports

I filed an ID Theft report with the FTC on Experian to investigate my accounts and remove the inaccurate information. Experian claimed to have completed a reasonable investigation with the furnisher of information and verified the accounts listed below as reporting 100 % accurately. However, these accounts are still inaccurate and the credit bureaus are continuing to report errors on my credit file, violating my rights and damaging my credit score at the same time. According to The Fair Credit Reporting Act ( FCRA ), the information on a consumer 's credit report should be consistent across all three bureaus, as creditors and lenders may use any of the three to check a consumer 's credit history. The consumer reporting agency Experian did not remove all fraudulent and inaccurate accounts that have been furnished on my consumer file and I have never gave my consent to furnished these accounts. No consent is Identity Theft and I have attached evidence that these consumer reporting agencies are in violation.

I demand you cease and desist pursuant to federal laws 15 U.S.C 1692c ( c ) and you are in violation if you continue to report this inaccurate information.
15 USC 1681 s-2 ( a ) ( 3 ) clearly states If the completeness or accuracy of any information furnished by anypersonto anyconsumer reporting agencyis disputed to suchpersonby aconsumer, thepersonmay not furnish the information to anyconsumer reporting agencywithout notice that such information is disputed by theconsumer.

Im am formally disputing this information and according to the law, you may not furnish the information to anyconsumer reporting agencywithout notice that such information is disputed by theconsumer.

15 USC 1681i ( a ) ( 5 ) ( B ) ( i ) Reinvestigations of disputed information : Requirements relating to reinsertion of previously deleted material ( i ) Certification of accuracy of information If any information is deleted from a consumers file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate.
Product: Credit reporting or other personal consumer reports

Hey, XXXX XXXX I performed and sent a receiveable dating XX/XX/XXXX ( XXXX XXXX XXXXXXXX ) which was received XX/XX/XXXX ( Article # XXXX XXXX XXXX XXXX XXXX XXXX ). Which didnt include the assignment form, Opinion of Counsel, and Form of Investment Letter which is attached. Im the beneficiary surety of certificate # XXXX. Although you might hold title, I have equitable interest which is superior to any claim you may have dating back to XX/XX/XXXX. Its your respective duty to act in the interest of the bondholder according to the Act of 1939. Im politely asking you to carry out your fiduciary duties under the indenture on file in good faith.

According to Registration pursuant to section 424 ( b ) ( 5 ) of the Act of 1933 I understand that Im an investor. CarMax Auto XXXX XXXX XXXX have agreements with its subsidiaries Carmax Business Services , LLC, and CarMax Auto Funding , LLC explains how a pool of motor vehicle retail installment sale contracts are obligations of the Trust only. The sources of funds of the Trust are collections during the Collection Period and charge offs.

Charge-offs are a source of funding to CarMax, Inc , and its subsidiaries, but have been a burden to me the Grantor. I provide a certificate, receivable, note, or contract which you deposited and received no valuable consideration. 

This is an event of default. This is the beginning of opportunities to be made whole.
Product: Student loan

Navient says I owe over $ XXXX dating back to 1986 I asked for proof but no one sent me information about the loan. 

The Federal loans were {$2500.00} each year, how did the balance go to over {$52000.00} I have been out of college since 1986 ... don't even know if they were mine ... 


My father paid for the school for me over 35 years ago ... 


No help from them at all
Product: Debt collection

Male called my phone to collect a debt that is not mine. Threatening over the phone, saying that I am a primary on an account. I asked for him to not call me back and that it is not my debt.
Product: Checking or savings account

I opened two CD accounts with Wells Fargo and after a month, I realized that the institution was not depositing the full interest rate amount in my accounts ( as instructed ). The institution has been withholding a monthly amount for : " Federal Withholding on Interest/Dist Pay. '' On XX/XX/23, I went to the branch and filled out a W-9 form as they explained that this information was missing and it would correct the issue and they would be able to stop withholding the funds and deposit the full interest amount in my accounts as instructed. However, the institution has continued to erroneously withhold the interest and retain my money which I could be using for something else. 
I have called Wells Fargo again, and they reported that the only way to correct the issue is at the branch. Unfortunately, I have limited time to go to a branch during regular business hours due to my work schedule and I have already tried to resolve the situation with them.
Product: Credit card

I have contacted citibank and can not get through to there XXXX fraud department or to anyone knowledgeable. On XXXX XXXX, I placed a fraud alert on my credit report due to recent fraudulent activity wit XXXX XXXX. XXXX XXXX, there was a Citibank N.A hard inquiry placed on my account. I have contacted the credit bureau regarding in which I was told I would have to contact the financial institution and get something in writing to send to them. I have contacted Citibank 2 days in the row in which I was told I wold have to speak with every single card department they have to figure out what type of card was applied for. That is absolutely ridiculous! How can I know what type of card was applied for? Am I supposed to find the person who did it and ask them? All I would like is for the information to be taken off of my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX have violated my rights. 

15 U.S.C. 1681 Section 602 A States I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

CC : Consumer Financial Protection Bureau ( CFPB ) CC : South Carolina Attorney General ( Complaint Filed ) CC : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX : Federal Trade Commission ( FTC ) CC : Experian, XXXX, XXXX Dear XXXXXXXX XXXX I am writing to dispute the charge-off that appears on my credit report for account XXXX. I believe that this charge-off was the result of multiple violations of federal law, including the Uninformed Decision Law ( 15 U.S. Code 1601 ( a ), the Lack of Evidence of Indebtedness Law ( 15 U.S. Code 1602 ( g ) ( 2 ), and the Adequate Notice Law ( 1643 of 15 U.S. Code 1602 ( k ). Therefore, I am requesting that it be removed from my credit report. 

Firstly, I was not properly informed of my rights and responsibilities under the Uninformed Decision Law. This law requires that creditors provide consumers with certain information, including the cost of credit and the consequences of non-payment, before they can legally charge off an account. I believe that I did not receive adequate information regarding my rights and responsibilities, and as a result, I made an uninformed decision. Such notice may be given to a cardholder by printing the notice on any credit card or honest on each periodic statement of account issued to the cardholder or by any other means reasonably assuring the receipt thereof by the card holder. 

Secondly, I have not received any documentation from the creditor showing that I owe the debt in question, which is a violation of the Lack of Evidence of Indebtedness Law. I am therefore unable to verify the accuracy of the charge-off. The only evidence of this debt was the agreement but the agreement, but that agreement was null and void because I made an uninformed decision, I did not understand this agreement and it was not clear and conspicuous. 

Lastly, I do not believe that I received adequate notice from the creditor regarding the status of the account, which is a violation of the Adequate Notice Law. I did not receive any communication or notification from the creditor regarding the impending charge-off, and I was not given an opportunity to rectify the situation before the charge-off occurred. 
Given these violations of federal law, I request that you investigate this charge-off and provide me with a detailed explanation of why it was reported. If it was indeed the result of violations of federal law, I ask that you remove it from my credit report. 

Thank you for your attention to this matter. I look forward to resolving this issue as soon as possible. 

Sincerely, XXXX XXXX
Product: Money transfer, virtual currency, or money service

Commencing on or about XX/XX/2021, I fell victim to a multilayered scam operation orchestrated by a XXXX XXXX XXXX XXXX  ( the Scammer ), all of which aim at contributing to the goal of robbing and defrauding clients, through a predetermined cycle of the clients losses to their gains. The equivalent of XXXX USD was transferred from my wallet utilizing coinbase services.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the presence of a charged-off account on my credit report. I believe there are inaccuracies and potential violations of the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681eb.

I have reviewed my credit report, and the aforementioned account is adversely affecting my creditworthiness. I am disputing the accuracy of this information for the following reasons : 1. Lack of Verification : I request that creditor provide verification of the charged-off account in question, including the date of first delinquency, and any other relevant information supporting the accuracy of this entry.

2. Non-Receipt of 1099-C Form : As of XX/XX/2024, I have not received a Form 1099-C ( Cancellation of Debt ) from the creditor for the charged-off debt. According to IRS guidelines, creditors are required to provide this form when a debt is cancelled or forgiven. Failure to do so may violate tax regulations.

3. Violation of 15 USC 1681eb : I believe that the reporting of this charged-off account without proper verification and documentation may be a violation of the Fair Credit Reporting Act, specifically 15 USC 1681eb . I request that the creditor investigate this matter thoroughly.

Please provide a detailed investigation into the accuracy of the reported charged-off account, and if it is found to be inaccurate or incomplete, I request its prompt removal from my credit report.

Additionally, I request that you investigate the failure of this Creditor to provide the Form 1099-C, as this may have tax implications for which I am not currently informed.

I appreciate your attention to this matter and expect a timely response within the XXXX period stipulated by the FCRA. If you are unable to complete the investigation within this timeframe, I request that you inform me of the delay.
Product: Credit card

I sent in my indorsed payment coupon and I had it sent to the trustee and they havent processed my payements and they closed my account because of the returned payments from a closed bank account. They wouldnt cancel my auto pay and caused my account the automatically trigger a user violation. Even though I tried to call and stop the payment they said I had to call my bank. I let them know that I no longer used that bank so they would not speak with me. Still they closed all 3 of my accounts. This negatively impacted me and my credit.
Product: Credit reporting or other personal consumer reports

I formally request an investigation into these unauthorized inquiries and ask that you provide documentation regarding their origin. Please include all pertinent details, such as the name of the entity responsible for the inquiry and any records or consent forms that demonstrate my authorization for these actions. 

Since these unrecognized inquiries may harm my credit score and financial stability, I urge you to address this matter without delay. Your prompt attention to this issue would be greatly appreciated. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/year> XXXX BANK XX/XX/year> XXXX XXXX XX/XX/year> Kindly delete the inquiries referenced above.
Product: Credit card or prepaid card

I was charged by great value vacations XXXX on XX/XX/XXXX On XX/XX/XXXX they sent me an email that they canceled my trip due to covid. They wanted to give me a voucher but i want a refund. 

I wrote them that i wanted a refund on XX/XX/XXXX and they never responded Since they canceled the trip i should get the refund as I was ready to go in XXXX My other credit card XXXX XXXX disputed the amount for the portion i put on that card and that was for {$3800.00} and they were able to refund my money I can email my docs
Product: Credit card

I would appreciate it if you could examine the attached documents. I want the bureau to start an investigation into these accounts, as I am never late, but they are reporting me inaccurately.
Product: Credit reporting or other personal consumer reports

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, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXXXXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX XXXX.