23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted the companies to ask for proof that I authorized this inquiry and have not been provided proof to date. Two accounts were for I believe rental property and XXXX XXXX XXXX XXXX have ignored my request for proof of my authorization.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax allowed a cyber security breach that enabled access to 100 % of my personal information and exposed me to the threat of identity theft both now, and at any point in the future. I 'm one of 140 million vulnerable citizens and I demand justice!
Product: Credit reporting or other personal consumer reports

I am aware that I am protected by the Fair Credit Reporting Act ( FCRA ). This allows me to dispute and request corrections for inaccurate information on my credit report. In addition, the Act mandates that your bureau provide me with a complimentary copy of my credit report within a specified timeframe following the submission of my letters and Ive never received anything after waiting 30 days. 
Previous address is reporting wrong. Please do your investigation. The Employee information is wrong. The FTC says that you have to investigate. Im asking you to do that.

According to the FCRA, credit reporting agencies are required to maintain accurate and current records of individuals ' personal information. Such mistakes damage people 's faith in the system in addition to being illegal. 
I'm losing a lot of money because of these mistakes. This situation is upsetting me. Though these errors could have been avoided, I've worked hard to maintain my good credit. These mistakes damage my financial reputation ; they're more than just numbers. Because it involves defending someone's rights and clearing a record, I beg you to take immediate action on this significant issue.
Product: Money transfer, virtual currency, or money service

Google Pay services charged {$21.00} to my XXXX for a service I did not authorize. I contacted Google, and they cancelled the service, but refuse to refund my money.
Product: Checking or savings account

I am submitting a formal complaint against Navy Federal Credit Union ( NFCU ) concerning their decision to deny my fraud claim after a second review. I believe their determination is unjust, and I would like to outline the details of the case. 

Between XX/XX/year>, and XX/XX/year>, XXXX attempts were made by individuals to access my account using my birthday and Social Security number. The fraudsters who spoke to NFCU 's Member Service Representatives called from phone numbers that were not on file with my accounts. Fortunately, the calls to gain access to my banking information were unsuccessful because the individuals did not know my passphrase. However, shortly after these attempts, fraudulent charges were made on my account that I believe are connected to these unauthorized access attempts.

The two transactions in question were made at XXXX # XXXX and totaled {$110.00} and {$35.00}, respectively. I did not make these transactions, and I can provide evidence to support my claim. I would like to emphasize the following : - I rarely use my NFCU debit card, and my account history will show that I primarily use it for payments to credit cards, ACH transfers, or XXXX transactions. 
- I avoid using my debit card because of the limited protections it offers compared to credit cards. 
- The last authorized transaction I made with my NFCU debit card was on XX/XX/year>, when I withdrew {$20.00} from an ATM at XXXX XXXX XXXXXXXX XXXX in XXXX, CA. 

It is important to note that I was in XXXX, CA, on XX/XX/year>, attending a concert while these fraudulent charges were made. During that time, my debit card was in my possession, and I did not give it to anyone to use. 

In addition to the XXXX transactions, these fraudsters tried using my debit card for purchases at XXXX and XXXX XXXX, which were about two and a half hours away from my location in XXXX. These fraudulent transactions were declined after I received SMS notifications from NFCU, and I immediately replied No to confirm I did not make those purchases. However, the fraudulent XXXX transactions were posted and not declined, even though they occurred around the same time. 

I called NFCU on XX/XX/year>, to inquire about the XXXX charges. The representative I spoke with confirmed that prior representatives had noted receiving two calls from unfamiliar numbers in which individuals attempted to access my account using personal information. While these attempts were unsuccessful, the fraudulent transactions were somehow still processed.

The disputed amount is {$140.00}. While this may seem small, it is a significant amount to me and could affect my ability to pay essential bills. I believe these transactions were unauthorized and should be reversed, especially given the documented attempts to access my account and the fraudulent activity that occurred shortly after. 

I respectfully request that the CFPB intervene to ensure a fair investigation into this matter. I am confident that this fraud claim was denied in error and that the charges should be refunded to my account.
Product: Credit card

I paid and settled a credit card account with capitalone for more than the amount the actually limit was for, however capitalone is reporting the item on all credit reporting agency as paid and settle for less than the amount. The credit card limit was only XXXX dollars, however on my credit report indicates that XXXX was written off. I have sent challenge letters and even notarized disputes to request for the negative tradeline be removed from all credit bureau agencies or update my credit report as paid and full.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL, XXXX XXXX XXXX XXXX XXXX XXXX 2000 XXXX, PA XXXX Subject : Request for Removal of Inaccurate/Negative Items Pursuant to 15 U.S.C. 6801 and 15 U.S.C. 6802 Dear [ XXXX Consumer Relations ], I am writing to formally dispute the following inaccurate and negative items listed on my credit report : [ List the specific negative items, such as account number or other relevant details ] Under the provisions of the Gramm-Leach-Bliley Act [ 15 U.S.C. 6801 and 6802 ], financial institutions are required to protect the privacy and security of consumers ' personal information. These laws mandate that institutions establish safeguards to protect sensitive information and prohibit the unauthorized sharing of personal data without explicit consent. I believe that the reporting of these negative items may involve a violation of these laws, as my personal information was not handled in accordance with the privacy protections mandated by federal law.Therefore, I respectfully request that you investigate these items under the Fair Credit Reporting Act [ FCRA ] and remove any information that is inaccurate, unverifiable, or otherwise improperly included in my report. In accordance with my right as a consumer, please provide written confirmation of the removal of these negative items of a detailed explanation of your investigation process within 30 day of receiving this letter. I expect that if you can not verify the accuracy of these items, they will be promptly deleted from my credit report. Thank you for your attention to this matter. Look forward to your timely response. Sincerely, XXXX XXXX
Product: Debt collection

i received a letter from a debt collector, Penn Credit Corporation, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/year> stating that I owe the utility company, XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX for unpaid utility services in the amount of {$400.00}. 
I responded to dispute the charges stating that this is not my bill and that I have never purchase or received products or services from XXXX XXXX. 
I received another letter from Penn Credit Corporation stating that they have obtained verification of the debt from the original creditor and that they will continue with collection process. 
In my response to this letter, I pointed out that the customer name on the Account Transaction Details is 'XXXX XXXXXXXX XXXX whose service location is XXXXXXXX XXXX XXXXXXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX. 
My name is also XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX. 
XXXX XXXX does not provide utility services in my zip code. 
This case has caused me a lot of stress and inconvenience doing business with vendors I do business with on a regular basis. My credit score dropped XXXX points as a result of this error inspite of the fact that the original creditor and the collection agent has the right customer and address on the Account Information/Transaction Details.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX and XX/XX/XXXX I have reached out to the credit reporting agency and bureaus reporting report on my credit file. As of today, I have failed to here back from either Bureaus. No action were taking on there part but he creditors did leave remarks.
Product: Mortgage

We have an intention letter provided by one lender with just an interest rate and another lender for a commercial loan related to a 1-4 single family residential property. Our contract specified we were to finance utilizing a conventional mortgage. At this stage, we are unable to access any loan application documents because the mortgage broker no longer has them available through their portal ; however, I have screenshots of all correspondence related to when they stated our loan application was completed. There are several violations to the consumer regulations surrounding this.

RESPA : 1024.6 ( a ) ( 1 ) Special information booklet at time of loan application; 1024.6 ( a ) ( 3 ) ( iv ) Forms or booklets from other federal agencies based on Federal Register ; 1024.7 ( b ) Good faith estimate ( GFE ) within 3 business days ; 1024.7 ( a ) ( 4 ) Fees for appraisal, inspection, or other similar settlement service until after GFE has been provided ; 1024.15 Affiliated business arrangements.

SAFE ACT : Registration of the mortgage originator through the state and federal registry inclusive of timeframes when changes occur and mergers occur.

Regulation K : We were not given the GFE nor term sheet to date ( XX/XX/XXXX ) so we were not given adequate time to revoke the contract I have started a file which outlines all parties/affiliates involved, timeline of when things were completed and what was not provided in order for us to adequately cancel/terminate the contract within specified timeframes. 

Us as the buyers requested the real estate agent terminate the contract to purchase based on paragraph 3 of our financial contingency on XX/XX/XXXX. As of XXXX, we have not heard from the agent, broker, or anyone and nothing has been sent based on our request. We are set to close on XXXX without any actual closing settlement received. 

We believe this was a scam to keep the monies spent which totaled {$53000.00} : XXXX. {$50000.00} XXXX XXXX ( XXXX company ) - bank wire XXXX. {$1700.00} Appraisals ( XXXX ) - credit card XXXX. {$1700.00} Inspection - credit card. 

I have uploaded some key email correspondence regarding communications which outlines what was received. A couple key things to note regarding lenders : XXXX. XXXX stated in one email our application provided to only one vendor XXXX. XXXX XXXX- this did not disclose all required terms - just an interest rate 3. She then provided a 2nd estimate without bank denoted and when later asked she provided one name and then provided estimate by another lender entirely without adequate information as this was just a letter of intent.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I sent the company a letter informing them that they are inaccurately reporting late payments to my consumer credit profile, and that they need to remove them per the law. 
15 USC 1681a 2 ( A ) ( i ) EXCLUSIONS- Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; THE LAW CLEARLY STATES : Transactions between the consumer ( ME ) and the person ( YOU ) CB INDIGO Making the report is NOT INCLUDED on my Consumer report!

A Late payment is a transactional history, My HISTORY with your company. CONGRESS clearly states that the reporting of Transactions or experiences between the CONSUMER and the PERSON making the report is not included on the consumer reports!
Product: Consumer Loan

I experienced discriminatory practices at the CarMax Dealership in XXXX XXXX, Illinois on Monday XXXX XXXX, 2015. I called the CarMax to inquire about a vehicle financing. I spoke with an agent by the name of XXXX. I am an attorney in the Illinois area and sought to purchase a vehicle from CarMax. I have very good credit noted to be in a range over XXXX. As such this would qualify my for some of the more competitive interest rates. When offered credit by the Carmax, I was told that I would only be eligible for a 13 % interest rate from available lenders. I have seen several other individuals with similar credit scores receiving much more competitive rates from the same establishment. I investigated the available rates for scores such as mine and found that they should not be offered above 3-4 % in my area. I was further told that if I added an additional down payment, I could lower my rate. Two days later I went to a reputable dealership and was given an interest rate of 2.2 % with the same credit score and a better quality vehicle. I certainly would not return to this chain in future. I have never been offered an interest rate so ridiculously high. Nor have I seen other individuals with similar scores offered such a thing. When I confronted the dealership about the offer, they blamed it on the lender. I see evidence of discrimination here and would like this investigated. I may also be pursing this issue legally with the Illinois Attorney General.
Product: Credit card or prepaid card

American Express reduced the credit limit on one of my credit card accounts which is XXXX XXXX from {$20000.00} to {$4400.00} for no obvious reason. Please note that I just paid them {$15000.00} no too long ago. In addition, I have never missed a single payment across my three accounts.
Product: Debt collection

Credence Resources Management, LLC Debt Collector wants pay it. I dont have job. Appears again.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are some unauthorized accounts and inquiries on my credit profile that I NEED assistance in removing. Below are the list of accounts and inquiries, dates and times.

ACCOUNTS : 1 ) XXXX XXXX XXXX -AMOUNT {$15000.00} -DATE OPENED XX/XX/XXXX -ACCOUNT # XX/XX/XXXX2 ) XX/XX/XXXX -AMOUNT {$1800.00} -DATE OPENED XX/XX/XXXX -ACCOUNT # XX/XX/XXXX END OF ACCOUNTS : INQUIRIES : 1 ) XX/XX/XXXX- DATE OPENEDXX/XX/XXXX 2 ) XX/XX/XXXX-DATE OPENED XX/XX/XXXX 3 ) XX/XX/XXXX -DATE OPENED XX/XX/XXXX 4 ) XX/XX/XXXX - DATE OPENED XX/XX/XXXX 5 ) XX/XX/XXXX - DATE OPENED XXXX 6 ) XXXX XXXX XXXX XXXX - DATE OPENEDXX/XX/XXXX 7 ) XX/XX/XXXX - DATE OPENED XX/XX/XXXX 8 ) XX/XX/XXXX - DATE OPENED XX/XX/XXXX 9 ) XX/XX/XXXX - DATE OPENED XX/XX/XXXX 10 )XX/XX/XXXX - DATE OPENED XX/XX/XXXX 11 ) XX/XX/XXXX - DATE OPENED XX/XX/XXXX 12 )XX/XX/XXXX- DATE OPENED XX/XX/XXXX 13 ) XX/XX/XXXX- DATE OPENED XX/XX/XXXX 14 ) XXXX - DATE OPENED XX/XX/XXXX15 ) XXXX XXXX XXXX XXXX - DATE OPENEDXX/XX/XXXX16 ) XXXX XXXX XXXX XXXX  - DATE OPNEDXX/XX/XXXX 17 ) XXXX XXXX XXXX 18 ) XXXX - DATE OPENEDXX/XX/XXXX19 ) XX/XX/XXXX- DATE OPENED XX/XX/XXXX20 ) XX/XX/XXXX- DATE OPED XX/XX/XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission XXXX XXXX XXXX and XXXX XXXX XXXX XXXX I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the XXXX XXXX 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 these items. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.
Product: Credit card or prepaid card

On XX/XX/2021 someone used my credit card number for a purchase of {$2400.00}. I received an alert from Chase asking if this transaction was mine. I replied with no. They immediately closed my card and sent me out a new one. Well weeks go by and I see that that amount still reflects on my balance. I called them and they said they closed the dispute because they found the charge valid. I asked them what evidence do you have that makes it valid. They said that the card was inserted and they called XXXX XXXX and XXXX XXXX made a general statement that any time they receive a credit card payment they check ID. At the time I had possession of the card so I knew this was not true and that I havent been to a XXXX XXXX in over a year. So I asked them to open the claim back up and further there research. In the meantime I did mine : I called XXXX XXXX and stayed on the phone with them for hours researching transaction done using my credit card and transaction amount but they werent able to find anything with my card number or that amount. So I asked them how do you code your transactions because the transaction code for mine was labeled as XXXX XXXX XXXX XXXX. The representative told me it would not have the XXXX in the transaction code. He also, told me its possible that its a scam. So from there I went online and researched that transaction code and there is tons of threads about this being a scam out of XXXX, XXXX and California. I also went on my bank statements from a year out to see how the transaction from XXXX XXXX is labeled and it doesnt have the XXXX. I provided all this evidence to chase and they closed my case again. So now I am stuck paying {$2400.00} for something I never authorized and declined as soon as my alert popped up on my phone. I dont see a point in the chase fraud alerts if nothing gets done about it. I am really disappointed with Chase and will never bank with them again.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX and XX/XX/2019, I sent certified letters to XXXX, XXXX, and Experian disputing inaccurate credit accounts and inquires on my credit files. I have sent supporting documents several times also. Due to this inaccurate information being reported by the credit bureaus, I'm paying higher interest rates as a consumer and being denied credit opportunities.
Product: Credit reporting or other personal consumer reports

I have a medical debt that is with a collection agency that is reporting the debt for XXXX 's XXXX. And I asked them to remove it from my report and to stop reporting it. Experien said it was a valid debt and will not remove it even though there is a law for not reporting medical.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX is knowingly violating multiple federal consumer protection laws by refusing to remove a fraudulent account despite documented identity theft. 

Violations Committed : FCRA 1681c ( a ) Illegally re-aging the debt beyond its reporting limit FCRA 1681i ( a ) ( 7 ) Refusal to provide MOV ( Method of Verification ) FDCPA 1692g Failure to provide legally valid POV ( Proof of Validation ) Metro 2 Compliance Violation Reporting unverifiable information Dodd-Frank Act ( 12 U.S.C. 5531, 5536 ) Engaging in unfair, deceptive, or abusive acts or practices ( UDAAP ) Georgia Identity Theft Law ( O.C.G.A. 16-9-121 ) Refusal to remove fraudulent information despite police reports Requested Action : Delete the fraudulent account immediately. 

XXXX XXXX XXXX XXXX XXXX for willful non-compliance. 

Impose fines for FCRA, FDCPA, and Dodd-Frank violations .
Product: Debt collection

I received a phone call on XX/XX/2021 from Online Information Services who claim to represent XXXX XXXX. Online Information Services claim the debt I owe is in the amount of {$490.00}. The problem is I never acquired XXXX XXXX services  even when I did reside in XXXX Illinois. During my time in XXXX Illinois though I was at some point the victim of identity theft as I discovered someone had also used my personal information to acquire cable services to which I also disputed.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX is showing a credit card debt from me when I have never had a credit card, or account or a contract with " XXXX XXXX XXXX XXXX XXXX XXXX ''!
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXXXXXX XXXX  XXXX Account Number : XXXX Account name : XXXX XXXX XXXX  Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters to XXXX, Equifax, XXXX to dispute inaccurate items such as my name, addresses, phone numbers, closed accounts, social security numbers, open accounts on my consumer report asking that they be investigated and removed all derogatory accounts XXXX, Equifax, XXXX has violated my rights according to the law 15 U.S. CODE1681 section 604 A section 2 ) the law states that the reports from XXXX, Equifax, XXXX has to be 100 % accurate. Also they have violated my rights according to 15 U.S. CODE1681 section 611 ( 5 ) ( a ) ( i ) ( ii ). The law states that if items are found to be inaccurate are can not be verified the consumer reporting agencies shall promptly DELETE the information from my consumer file.
Product: Vehicle loan or lease

I purchased a $ XXXX travel trailer in XXXX of 2021. I put $ XXXX down. Bank of the West was the lender and XXXX XXXX XXXX was the Dealership ( XXXX XXXX XXXX XXXX XXXX, WI XXXX XXXX XXXX XXXX it has now been 7 months and I still have not received my tags. I have provided everything they have requested, I have made many calls trying to get my tags but Bank of the West does nothing to finish the transaction. What is my recourse to get them to do their part to finish the transaction?
Product: Debt collection

This is a violation of 15 U.S. Code 1681i ( 5 ) Removal of Inaccurate/invalidated credit information. Please remove immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion Basic Dispute Letter sent XX/XX/22 & XX/XX/22 Section 609 of the Fair Credit Reporting Act Letter sent XX/XX/22 & XX/XX/22 Accounts still remaining that have not been fully validated : XXXX XXXX  XXXX XXXX {$3500.00} XXXX XXXX  XXXX : {$2100.00} XXXX XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX {$820.00} XXXX XXXX XXXX  : {$460.00}
Product: Student loan

I requested a complete history of my payments so I can apply for XXXX after my XXXX XXXX XXXX loans are separated under the new Law XXXX just signed. They have not provided the requested info and time is running out.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting inaccurate information on my file. I have sent correspondence and have contacted them via telephone on numerous occasions to have same corrected. The company is willfully and negligently non-compliant.