23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate removal of all unverifiable, inaccurate, and incomplete accounts from my credit report. As a consumer, I assert my rights under the Fair Credit Reporting Act ( FCRA ) to ensure the accuracy and integrity of my credit profile. 

Specifically, I demand the deletion of all accounts that meet the following criteria : Unverifiable : Accounts that can not be verified through proper documentation and investigation. 
Inaccurate : Accounts that contain errors, whether in the amount owed, the status, or any other details. 
Incomplete : Accounts that are missing vital information or context required to be considered valid. 
These accounts have been previously disputed, but were reinserted into my report without a proper investigation or adherence to FCRA guidelines. Their continued presence negatively impacts my creditworthiness, which is both unfair and unlawful. 

Additionally, I am aware of the recent lawsuit filed by the Consumer Financial Protection Bureau ( CFPB ) against XXXX. The CFPB alleges that XXXX failed to adequately investigate consumer disputes and reinserts previously deleted accounts without complying with FCRA regulations. Such practices are unacceptable and demonstrate a disregard for consumer rights. 

As a consumer, I have the right to : Accurate Information : My credit report must contain only accurate, verifiable information. 
Proper Dispute Resolution : XXXX is required to conduct a reasonable investigation into disputed items and provide me with the results. 
Proper Reinsertion Process : If any previously deleted account is reinserted, I must be notified, and the source of the new information must be disclosed. 
Therefore, I demand that XXXX  : Delete all unverifiable, inaccurate, and incomplete accounts from my credit report.

Conduct a thorough investigation into all disputed items and provide me with the results in writing.

Provide written confirmation of all actions taken, including an explanation for any changes made to my credit report. 
Ensure all future actions comply fully with the regulations outlined under the FCRA. 
I expect a prompt and satisfactory resolution to this matter. If my request is not addressed within 30 days, I will be forced to consider further legal action to protect my rights. 

Thank you for your attention to this important matter. I look forward to your prompt response.
Product: Credit card or prepaid card

I am not seeing the proper balance after making a payment unsure of the calculation of the interest and fees
Product: Money transfer, virtual currency, or money service

PNC will not allow us to connect our PNC accounts to other entities.
Product: Vehicle loan or lease

In accordance with 15 U.S.C. 1692f ( 6 ) Unfair Practices and 15 U.S.C. 6802 ( b ) Obligations with respect to non disclosed personal Information Capital One Auto has violated my rights. 15 U.S.C. 1692 ( f ) Unfair Practices Taking or threatening to take any non-judicial action to effect disablement of property. Capital One Auto has Threatened me several times and repossessed my Vehicle with-out a Judicial Court order by the Judge this is a violation that constitute actual damages sustained by me the consumer I have suffered financial damage in accordance with 15 U.S.C. 1692k Civil liability.

In accordance with 15 U.S.C 6802 Capital One Auto has violated my rights by disclosing my non public information to a non affiliated third-party ( XXXX ) XXXX XXXX  . I have never done business with XXXX XXXX and somehow they illegally repossessed my vehicle. Such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party. Capital One has never giving me a disclosure of XXXX XXXX be affiliated of the contract on file.
Product: Credit card

Need Help with Chase and Fraudulent Charges! {$4000.00} in Unauthorized Transactions on My Business Card Im feeling so frustrated and lost right now and could really use some advice. Recently, I discovered over {$4000.00} in charges on my Chase Business Ink credit cardtransactions I never made. I immediately filed a claim with Chase, and while they initially removed the charges, they quickly added them back. Their reasoning? The transactions were made using XXXX XXXX. 

Heres the thing : Im the sole person in my business, and my card is exclusively used for business transactions. These charges were made all over XXXX, XXXX, while I was hundreds of miles away in XXXX XXXX, Texas. Chase is adamant that since the transactions were made via XXXX XXXX, theyre valid due to Apples " verification process. '' I contacted XXXX for help, and they explained that : - Cards dont always require full verification when being added to XXXX XXXXits inconsistent. 

- XXXX doesnt have access to Chases fraud details because Chase XXXX a third party. 
If the transactions were made on an XXXX XXXX, XXXX could investigate directly, but since this involves my Chase card, they cant. 

- To make things even more complicated, I recently got a new phone and no longer have my old wallet info to check these transactions myself. 

Chase is telling me I need XXXX to prove the charges werent mine, but XXXX says they cant help me with that since its not their card. Im stuck in this blame game between Chase and XXXX, with no clear path forward. 

Ive already told Chase I wasnt in XXXX when these charges were made. I have proof I was in Texas at the time, but they seem unwilling to acknowledge it. 

How can I get Chase to take this seriously? How do I prove this wasnt me? Im at my wits endthis is such a huge amount of money, and it feels like no one is willing to help.
Product: Checking or savings account

I opened a new account on Sunday, XX/XX/10 {$100.00} was available the same day and I was told the remaining balance would be available next business day, however no funds available the next business day. 

I contacted TD and was informed that new accounts funds are held for up to 7 business days. It's been over 7 business days and my funds are still NOT available.

Account Number ending in XXXX Amount : {$1700.00}
Product: Credit reporting or other personal consumer reports

While looking at my credit profile there are inaccuracies being reported concerning my name, previous addresses and credit accounts.
Product: Checking or savings account

They are charging me 1500 % in overdraft fees far above what they covered. I have asked them to no cover any overdrafts and they told me they will cover them if they want.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called your department after I purchased a credit report with XXXX XXXX on XXXX. After receiving a copy of my report, I saw some UNVERIFIABLE information that on my personal profile, I noticed that this was negative charge off on my credit report. This is disappointing because I has been paying XXXX XXXX to get a report every month and I have been disputing fraud account on my credit report all this time just today I have a charge off that I have never seen before, as well as this incorrect information on my personal profile but still youre not taking any actions. I have never with this account listed below, so please help me remove this charge off account, including this incorrect information from my personal profile. A copy of my Utility Bill, drivers License, and my Social Security Number are all included in these written request. Please help me resolve this issue as soon as possible. 

PLEASE DELETE THIS FRAUDULENT ITEM : XXXX XXXX XXXX Please block and remove this account from my credit report. This account does not belong to me. I never applied to this company. Plus, the continuous activity is UNKNOWN to me. This is a fraud. Please remove this Bankruptcy immediately. 

Im requesting that you follow the law by removing this inaccurate information and please provide me with a free updated credit report within 30 days. If I dont receive a return response within 10 days, I will file a complaint with the Attorney General, Consumer Financial Protection Bureau , and the XXXX XXXX XXXX  . Please immediately respond. Please do not email me a common verification. Please do not add me to the list of people who complain about your delay tactics. Im very persistent & will not let your unwillingness to comply the law stop me. I'll re-attach my driver 's license, SSN, and current Utility Bill as verification of my ONLY address.
Product: Debt collection

I have written Southwest Credit several times asking them to very the debt that they claim I owe. They have not provided me with any paperwork saying that I signed my name to a contract, only thing they keep sending out is a Bill. A bill does not validate a debt. I have been a victim of identity theft in the past. All i want is validation that this debt is mine.
Product: Debt collection

XXXX XXXX contacted me via mail saying I owed money and they were trying to collect. I asked them to stop contacting me and to send me verification of the debt. I was told that if I " disputed the debt '' by requesting that information they would not work with me in the future on settling the amount. Sometimes they would call and I would answer and no one would talk. The calls stopped until shortly after I received a letter. The calls resumed on XX/XX/XXXX. Sometimes I receive up to 5 calls a  day. Please see the following for the list of dates and times I have received calls in the month of XX/XX/XXXX alone : XX/XX/XXXX @ XXXX XXXX XX/XX/XXXX @ XXXX XXXX XX/XX/XXXX @ XXXX XXXX XX/XX/XXXX @ XXXX XXXX XX/XX/XXXX @ XXXX XXXX XX/XX/XXXX @ XXXX XXXX XX/XX/XXXX @ XXXX XXXX XX/XX/XXXX @ XXXX XXXX XX/XX/XXXX @ XXXX XXXX XX/XX/XXXX @ XXXX XXXX XX/XX/XXXX @ XXXX XXXX XX/XX/XXXX @ XXXX XXXX XX/XX/XXXX @ XXXX XXXX XX/XX/XXXX @ XXXX XXXX XX/XX/XXXX @ XXXX XXXX When I have spoken with them about potentially resolving the debt they are very pushy, to the point where I couldn't speak without getting spoken over. I could not even attempt to make a plan to pay the debt if I wanted because they won't pause to give me a chance to talk. 

They have even contacted my step-dad and I never provided his information to them. I don't know if they have contacted anyone else as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

Over the past several months I have submitted requests via certified mail requesting proof of validation or removal of several accounts noted on my credit report. The responses I keep receiving are updated credit reports that simply state, Verified As Accurate, without proof of validation for the following accountsXXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX  # XXXX, XXXX # XXXX and XXXX XXXX # XXXX.
Product: Credit reporting or other personal consumer reports

I am requesting that 8 old addresses listed as ''other address '' need to be deleted from my consumer report because it is causing me financial problems. The California Franchise Tax Board sent a demand for an unpaid traffic ticket to a former address obtained from a CRA. When I did not pay it ( because I did not receive it at my current address ). They received a judgment against me and took an excessive payment directly from my bank account without my knowledge. 
Also there are 2 phone numbers listed : the one ending in XXXX is incorrect and has never been associated with me. Please delete as it is inaccurate. 
Please mail me a complete copy of my consumer FILE
Product: Credit reporting, credit repair services, or other personal consumer reports

First, it shows that I go by two different names. My name is XXXX XXXX. Not XXXXXXXX XXXX. I 've never gone by that name, never heard of it, never made it an alias name. Second, one of the addresses listed not only is out of my state, but I 've never even been there before, let alone lived there. Thirdly, I have never had an account with # 1 check into cash XXXX XXXX XXXX XXXX XXXX TN XXXX or with # 2 XXXX XXXX XXXX XXXX XXXX, fl XXXX. I 'm very worried someone is going around saying she is me under the alias of XXXXXXXX XXXX. In fact I know it. The address XXXX XXXX XXXX XXXX XXXX, in XXXX I 've never lived at.
Product: Debt collection

XXXX XXXX in XXXX SC turned me into collections after I paid for the bill and associates of XXXX XXXX and XXXX XXXX damage my perfect credit score.They never applied payment to their associate accounts as they told me on front of witness and the witness was already paying the bill that all payments would be dispersed to associate accounts= that didn't happen paper work to follow.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, my husband XXXX XXXX deposited {$540.00} cash into an XXXX XXXX XXXX XXXX ATM when we were banked with XXXX XXXX XXXX XXXX. It took 2-3 weeks but XXXX XXXX XXXX XXXX XXXX XXXX audit at the ATM and found the {$540.00} overage. On XX/XX/XXXX, the XXXX department at XXXX XXXX sent the funds to XXXX of {$540.00} through the XXXX XXXX ATM. 
When I contacted XXXX, they seemed confused as to what the STAR network ATM is but to check back in on Monday XX/XX/XXXX - XX/XX/XXXX. So I call XXXX back on XX/XX/XXXX, they get me to their XXXX XXXX department and they tell me they need to file a ATM dispute to investigate, ID # XXXX. 
I am confused why they didn't file a dispute when the incident occurred on XX/XX/XXXX, my husband called XXXX when it happened and they refused to file a dispute claim and said to have XXXX XXXX deal with it. I myself called a few days later to file a dispute and they refused. 

I asked today, on XX/XX/XXXX if they will provide a provisional credit to my account while they are investigating and they state they are not sure if it will be applied or when. Making it seem like I am lying about the funds being transferred. They also seem to be confused as to what the XXXX network is and asked for the bank to send it through ACH or electronic transfer instead. Why do they want me to do the work for them?
Product: Credit card or prepaid card

I received an upgrade offer from American Express in XXXX of XXXX - in exchange for upgrading my card to a different one with an annual fee, I would be awarded points after spending so much money. I feel like this was a bait and switch, or maybe a bait and you get nothing but an annual fee and we get more money. 

The specific offer was upgrade from a card with zero annual fee to one with a {$99.00} annual fee. In exchange for the annual fee, points rewarded on purchases are higher than the card with zero annual fee, and I was supposed to receive a bonus of XXXX points after making {$3000.00} in purchases within 3 months. 

The offer sounded good, and on XX/XX/XXXX I completed the upgrade online using the link provided in the email. I completed the purchasing requirement within the time frame, however I never received the points. I've made multiple calls, spending hours on the phone trying to get the points, but I'm simply told that the offer code wasn't on my account for the upgrade, therefore they will not reward them. 

Sorry, but if there's a back-end issue, and my upgrade offer isn't attached to my account through the black box that runs the website and links to accounts, that's not my problem. I even called after applying for the upgrade and was told that it wouldn't reflect on my account for a while. 

After getting nowhere through escalating my calls, I sent two certified, signature required letters to their corporate locations in New York, NY and XXXX, TX. These were signed for XXXX XXXX and XXXX XXXX, respectively, on XX/XX/XXXX. 

I've given American Express 8 weeks to reply, and I haven't even gotten an acknowledgement that they received my letters, or any other contact except for sending more offers for other stuff or to upgrade my card to the next tier. Again, the main reason I went from a free card to one with an annual fee was for the XXXX point bonus. 

I've included as many supporting documents as I could to show what I expected.
Product: Mortgage

Specialized loan servicing is not paying back the overpayment in ESCROW Good afternoon, Please I need your help to collect the money, but also fine SLS. 
What they do to me probably they do to other people. If I dont pay, SLS would fine me $ $ late fee and extra interest and collection fee. 
I ask for the same. I ask my escrow money and a fine payable to me XXXX XXXX XXXX XXXX of {$1000.00} SLS did not refund the {$2500.00} overpayment in escrow after selling the house XX/XX/XXXX. 
Today XX/XX/XXXX I still have nothing. I called SLS on several occasions, I also send out letters with the request to SPESIALIZED LOAN SERVICING to use XXXX  and send the check. 
I also reported this incident at XXXX 
The letter I add to this email is dated XX/XX/XXXX from SLS. 
It stated that they send out a check twice which I never received. SLS did mention that they can not track the envelope because it was send by regular mail. You would think that XXXX IS going to send a XXXX XXXX check overnight with XXXX OR XXXX  after failing again. 
They did not!! 
Today XX/XX/XXXX I gave SLS a call, XXXX, and spoke with XXXX, XXXX and XXXX XXXX from Arizona office. 
SLS has done nothing, what they good say that the checks where never collected. 
What miss XXXX mentioned that they are going, again, block the second Check and reissue another one in 15 days, so you should receive it, hopefully in XX/XX/2022. Ridiculous, against the law and absolutely not to tolerate. 
I told them that they have to reissue a check today and send out today or tomorrow, XX/XX/XXXX overnight with XXXX EXPEDITED and with a tracking number. This ups tracking number you have to Email immediately to me. They dont know, we can not do that. 
I told SLS that all your mail I received correctly over the last 5 or 10 years. Also this letter attached to the email I did receive. Co -accidentally, twice I did not receive the check. It probably was never send out, or maybe someone inside the company SLS is sitting on it?? 
SLS LOAN SERVICING IS IN DEFAULT BY law. 
Please, I hope you can help. 
They should loose their mortgage license by doing those type of behavior. 
I want them to wire the monies including a {$1000.00} settlement. I spend so much unnecessary time on it. Today XX/XX/XXXX th, still nothing. 

Thank you very much for your assistance, P
Product: Credit reporting or other personal consumer reports

Capital one has XXXX hard inquiries on my credit report that they wont remove. Ive also reached out to the XXXX credit reporting agencies XXXX, XXXX and Transunion telling them to stop reporting. They did not abide
Product: Checking or savings account

I was trying to make both an XXXX & XXXX account which both use XXXX  and you guys will not connect with them for some reason. It is a very very much incobvience that i can not connect my account to these apps!
Product: Debt collection

I received a voicemail from the above mentioned company on XXXX/XXXX/2016 @ XXXX requesting I recontact the caller about a merchant, XXXX. After calling the number provided I only learned they were a debt collector as this was their first attempt at communication. I believe the licensee violated XXXX XXXX XXXX ( XXXX XXXX as their initial communication ( voicemail ) failed to indicate their company name, status as a debt collector, and that they are attempting to collect a debt in the voicemail message.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a XXXX Internet service, but XXXX did not get the service setup - indeed I have attached a voicemail message from a XXXX representative where he states that the service was not setup, however XXXX proceeded to bill me for the service that never was setup and never provided. I have several times reported this both to XXXX and to the debt collector that XXXX gave this over to - all to no avail as they just say their records show I received the service. The fact is they could not setup and provide the connection to my home and acknowledged this in the attached voice message left on my phone answering machine ; however, XXXX continued to bill me for what never got installed. I sought internet service and they threw in a phone line as a special addon offer, but I never received any of these. Indeed, after a year of disputing and getting their acknowledgement that they in fact never sent me the box with their modem that was part of the original order, they then, one year later without my knowledge, sent the the useless box with modem that could not be used because they had never completed the line setup to my house and the service obviously was not setup even then. For many years I have tried to straighten this out but my credit has been lowered due to their false claim on my credit showing " XXXX XXXX  XXXX '' for " XXXX '' as a bad, unpaid debt on XXXX, Equifax and XXXX all to my damage. Even with my proof ( see voicemail from their rep attached ) it never was installed, they insist their records say otherwise. These arrogant companies deserve to be fined severely and pay for the damages they cause!
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 protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXXXXXX : XXXX, XXXX : XXXX, XXXX : XXXX,, has 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 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 information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.