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

XXXX XXXX account with account XXXX XXXXXXXX opened on XX/XX/year> and a balance of {$76.00}. 
This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. 

Please investigate the inaccurate information per 15 U.S. Code 1681 this account is being reported inaccurately and these matters are hurting my XXXX XXXX and per Fair Credit Reporting Act ( FCRA ), the inaccuracy of this reporting needs to be deleted asap. Per CFPB laws and regulations, I am demanding this in accurate account be deleted now or be subject to penalty and civil action lawsuit with a violation of {$1000.00} per day this inaccurate account with inaccurate information is being reported. Thank you for your assistance.
Product: Debt collection

Portfolio Recovery Associates have XXXX accounts in my name that are old - and if I did owe the debt was covered by a Chapter XXXX of mine. But they say I owe money on XXXX accounts but can not verify how I owe the money. I have asked for verification and a bill of particulars which that have never provided me in my local district court. Also I have called to handle the dispute - no one will give me a fax number or email address. I have been getting the run around on debt I do not owe.
Product: Credit reporting

Southwest credit sustem reported a charge for a XXXX cable debt that does not belong.. I am a very credit conscious person and always made sure that I stay on the right path ... I was a previous customer with XXXX for years..My family decided to go with XXXX because of their bundle plan which included wireless services so I contacted XXXX over 6 years ago told them about the change they instructed me to return the equipment and do I did at the XXXX shopping center in XXXX DE and all balance was cleared they were still trying to get me back as a customer,,, I checked my credit in XX/XX/2016 and there was a charge from Southwest credit system so I called them and they informed me it was for XXXX but they could not locate my information so I needed to dispute it with the credit Bureaus which I did, ,Later I was informed by the credit bureaus that they stated it was valid and it was from XXXX ago..It appears that from the dispute they located my information..I have since written the agency a letter and XXXX cable and there is no response ... This is ruining my credit and I need some resolution, ,Please help me as I do not owe this
Product: Credit card or prepaid card

On XX/XX/19 I requested a credit increase from my XXXX Credit Card. When I filled out the request from them, it did not state they would be pulling my credit report. A hard inquiry was made today, XX/XX/19, from CBNA/XXXX on my credit report. I did not authorize them to do this. I would not have made the credit increase request if I would have known it would give me a hard inquiry!
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital one Auto finance is reporting to the 3 major credit reporting agencies that a automobile purchased in 2017 was included in a bankruptcy and that the account wasn't paid and is being reported as closed. However the automobile is currently paid as agreed, was not included in the bankruptcy, and is still an open account. Disputes have been filed and capital one claims they are correct, dispute the fact they have copies of the purchase agreement showing when the auto was bought, the copy of the bankruptcy discharge stating the bankruptcy was filed 3 years prior to the auto being bought, copies of the current auto loan payments.
Product: Credit reporting or other personal consumer reports

I would like to dispute the following inaccurate accounts on my credit report. 

Equifax : XXXX XXXX XXXXXXXX Account Number : XXXX XXXX XXXX XXXXXXXX Account Number : XXXX XXXX XXXXL Account Number : XXXX XXXXXXXX XXXX  Account Number : XXXX XXXX Date of inquiry : XX/XX/year> XXXX : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX DEPT OF EDUCATIONXXXX  Account Number : XXXX DEPT OF EDUCATIONXXXX  Account Number : XXXX DEPT OF EDUCATIONXXXX  Account Number : XXXX DEPT OF EDUCATIONXXXX  Account Number : XXXX DEPT OF EDUCATION/XXXX Account Number : XXXX DEPT OF EDUCATION/XXXX Account Number : XXXX DEPT OF EDUCATION/XXXX  Account Number : XXXX DEPT OF EDUCATION/XXXX Account Number : XXXX DEPT OF EDUCATION/XXXX Account Number : XXXX DEPT OF EDUCATION/XXXX Account Number : XXXX DEPT OF EDUCATIONXXXX  Account Number : XXXX DEPT OF EDUCATIONXXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXXXXXX XXXX Account Number : XXXX XXXXXXXX XXXX XXXX XXXXXXXX Account Number : XXXX XXXX : XXXX XXXX Date of inquiry : XX/XX/year> XXXXXXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX
Product: Credit card

I opened a PNC bank visa card in XXXX with a promotional rate of 0 % interest on purchases for the first 9 months. However, PNC bank has been charging me interest since my XXXX statement, the first actual statement with charges. I have contacted them numerous times and PNC bank refuses to provide an explanation. I have disputed the balance with XXXX and XXXX, being very clear that the balance was PNC bank was reporting ( adding interest ) was wrong. However PNC bank replied to the credit bureaus that the amount they were reporting was accurate. There is no way in this universe that PNC Bank has not recklessly violated federal laws and breached the contract they drafted with me. This reckless and unscrupulous behavior has n't stop there. I had unauthorized transactions on this same Visa card, I reported them via phone and through there own secure message center on XXXX/XXXX/2016 however PNC refuses to at least temporarily remove those charges until completion of their investigation. Additionally, PNC bank reported the balance to the credit bureau by including the disputed transactions. I truly do not believe this to be an isolated incident. My daughter has filed complaints against PNC bank, who actually attempted to steal {$360.00} out of her checking account and would have if she did n't question the debit weeks later. PNC admitted an error but refused to explain further. Interesting, what would happen to me or any citizen if we went into PNC bank and took {$360.00} without permission. Jail prison, huge fines ....
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that this item is being reported correctly? Who verified this item? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA. Since you claim youve verified the item listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ITEM? I believe you have not verified this item based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

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

XXXXXXXX XXXX date XX/XX/24 unauthorized inquiry that I have no idea of
Product: Credit reporting or other personal consumer reports

I am not liable for this debt with XXXX XXXX XXXXI do not have a contract with XXXX XXXX XXXX, they did not provide me with the original contract as i requested. there should be an Immediate correction to my credit report, I demand this account be removed from my credit report The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : # XXXXXXXX XXXX XXXX  XXXX I looked at my Experian credit report on XX/XX/2024 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b )
Product: Credit reporting, credit repair services, or other personal consumer reports

Have contact this company several times Ive never signed anything to apply for anything with his company. He agreed to remove it after verifying my true I did it and I would like to get all these inquiries removed from my credit report.
Product: Credit reporting or other personal consumer reports

The info in my credit reports is wrong, making it hard for me to get new credit. When I apply for credit, the errors confuse lenders and paint the wrong picture of my creditworthiness.
Product: Credit reporting or other personal consumer reports

The address ( XXXX XXXX XXXX XXXXXXXX XXXX XXXX DC XXXX ) is a fraudulent address being report on my credit report due to identity theft. Ive disputed this address numerous times and it still happens to remain of my credit profile.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XX/XX/year> XXXX Collection Services XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX Subject : Cease and Desist Request Regarding Account [ Account Number or Reference ] Dear Sir/Madam, I am writing to formally request that Amsher Collection XXXX XXXX XXXX and desist all collection efforts regarding the alleged debt associated with my name. 

As provided under the Fair Debt Collection Practices Act ( FDCPA ), I am exercising my right to request that you stop all communication and collection actions regarding this matter. Please consider this letter a formal request to : Cease all phone calls, emails, letters, or any other forms of contact regarding this debt. 
Discontinue any reporting of this alleged debt to credit bureaus. 
If you believe I owe a debt, you are required to provide written validation of the debt, including the original creditor, the amount owed, and any supporting documentation. Until such validation is provided, all collection efforts must stop. 

Please note that further communication from your office should be in writing only, and should not include any additional phone calls or other direct contact. If I continue to receive harassment or other unwanted communication, I will consider this a violation of the FDCPA and will take appropriate legal action. 

This letter is not to be construed as an acknowledgment of any debt or liability. 

Thank you for your prompt attention to this matter, and I expect confirmation that you have complied with this request. 

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

In accordance with the Fair Credit Reporting XXXX XXXX XXXX # XXXX has violated my rights. 
XXXX XXXX can be located at XXXX XXXX XXXX XXXX, XXXX, SD XXXX | ( XXXX ) XXXX 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
Product: Debt collection

Collector keeps calling my sister in law requesting for payment. 

I have called and asked to stop calling someone else that I do n't talk to and they wo n't stop
Product: Checking or savings account

On XX/XX/2022 {$160.00} was withdrawn from my company account with a description " PAYMENT LENDINGPOINT LLC XXXX XXXX XXXX ACH DEBIT ''. This was not an authorized charge on my account and I reached out to the company Lending Point who withdrew the money from my account and after a long conversation the man on the phone told me that there was no way for him to refund the money to my account and the best he could do was reach out to his accounting department to try and have them figure out if it was a typo or if they were given the wrong account number. This is absolutely ridiculous and they should not be withdrawing money from accounts without verification that the name on the account matches the name on the loan. Withdrawing money from the wrong account is fraud and they did not seem concerned at all that whoever had given them my account number had also participated in fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

A REPORT FROM XXXX  XXXX FROM XX/XX/2018. XXXX DOES NOT HAVE MY CONSENT AUTHORIZATION AND THIS SERVES AS A CEASE AND DESIST TO HOLD, GATHER, ANALYZE, PACKAGE SELL OR OTHERWISE CREATE COMMERCE WITH MY PERSONAL INFORMATION OR CREDIT INFORMATION. XXXX SHOWS A LACK OF SAFETY WITH OTHER DATA BREACHES AND NO REMEDIATION FOR CONSUMERS.SELLING MY INFORMATION TO ANYONE IS ILLEGAL YOU ARE VIOLATING MY PRIVACY, THE RIGHT TO EQUAL PROTECTION AND THE RIGHT TO SELF DEFENSE. ALL SOFT INQUIRIES ARE TO BE REMOVE ASAP, OR I WILL PROSECUTE THE ISSUE MYSELF.
Product: Checking or savings account

I had a check that was presented on my account that I had written to XXXX County. The account I made sure had funds to secure the amount of the check. The check cleared on XX/XX/XXXX leaving a balance in the account at that time of approximately {$4.00} when I checked the account status around XXXX this day. I then went into XXXX and ordered a Tea with the purchase amount of XXXX at XXXX. This left a balance in the account at the time of approx XXXX or so. I then around XXXX went to XXXX where I made a purchase of {$20.00} transferring the exact amount of the purchase into the account to cover the cost. I then made an additional purchase doing the same thing at XXXX and transferring the exact purchase amount as well and did the same thing with 2 other purchases as well. On the morning of XX/XX/XXXX I then discovered Wells Fargo charged me an overdraft fee of XXXX for the check of {$50.00} saying funds were not sufficient at the Time. This was not possible as funds were available and my account had the remaining XXXX in it that I used to purchase XXXX after the check had cleared the account on XX/XX/XXXX. When I called to explain this to the customer service at Wells Fargo they insisted that it was valid and only removed half of the charge from my account. I have had this happen in the past several times with this bank and have already made a complaint because of it and the times of which a ledger goes through in which are not standard banking hours etc and or being charged fees when I know the account was sufficient to cover. I feel this is not an honest and fair business practice and how many other people are being charged in order for the bank to make gains and insisting on The customer being wrong rather than taking responsibility of the mistake
Product: Credit reporting or other personal consumer reports

I am writing this letter in reference to my previous dispute XXXX, submitted to your agency on XX/XX/year>. I am deeply frustrated by the lack of resolution and your agency 's continuous failure to remove the unapproved hard inquiries from my credit report. As a responsible consumer, I have diligently monitored my credit history, and I find it incredibly distressing to see my efforts undermined by the persistence of these unauthorized inquiries. 

How many times must I address these inquiries with your department? I am aware that these creditors have their own internal fraud procedures, but I must ask : who permitted these creditors to access my credit file without my consent? It was Equifax, not them. Therefore, Equifax is ultimately responsible for these inquiries occurring in the first place. Your failure to handle this matter diligently reflects poorly on your performance.
Product: Credit reporting, credit repair services, or other personal consumer reports

My wallet was stolen from my handbag while in my possession on XX/XX/2023. I was effectively pick-pocketed. ( I filed a police report the evening this occurred on XX/XX/2023. ) The thieves quickly attempted many fraudulent multi-thousand dollar transactions at XXXX XXXX in XXXX, MN. Two fraudulent transactions were successfully made the evening of XX/XX/2023. One for {$3200.00} was made using my debit card and I'm working with my bank on resolution of it. 
The other one was for {$4200.00} made with my XXXX XXXX XXXX XXXX card. This is the one I'm filing a complaint about. XXXX XXXX XXXX not only reported this charge to the Credit Bureaus XXXX XXXX, XXXX, and Experian - prior to my account statement cycle closing ; in addition their authorized charge also put my account over the credit limit and has had a significant negative impact on my credit score. One of my bureau scores ( XXXX XXXX XXXX  ) dropped XXXX points following XXXX reporting of this charge to the bureaus. I have made several calls to the XXXX XXXX XXXX Customer Service team to request they work with the bureaus to remove this information from my credit file. On XX/XX/2023, I received an update from XXXX XXXX XXXX ( XXXX ) with an assurance that the bureaus received a request from XXXX to remove the fraudulent information from my credit reports. I was told XXXX " obviously recognizes it's a XXXX error ''. I have no guarantees of how quickly this will be resolved. Their internal credit bureau reporting processes failed and they are at fault for reporting this fraudulent charge to the bureaus and it turn causing my credit score to lower substantially.
Product: Vehicle loan or lease

I purchased a vehicle from enterprise XX/XX/XXXX. The vehicle is a XXXX XXXX XXXX and it had XXXX miles on it. Its is currently XXXX and the engine have blown out. I had the car towed to XXXX and which they confirmed I needed an engine replacement, due to the air compressor. Ive contacted XXXX they told me its nothing that they can do, due to the fact that my XXXX XXXX XXXX has expired. The warranty limited miles was XXXX, and I went over that by XXXX miles, that was what I was told by a representative at XXXX. I also asked to trade the car in, that request was denied by a representative at XXXX. I havent had this car for a year and Ive had to replace the starter, and now the engine is no good. I feel as if I should be compensated because, as a young adult I have made all of my car note payments on time as well as my insurance payment. Ive never been late on any payment. I do not feel that it is fair to continue to make payments on a car that is not working. What I would like to happen is that either, XXXX should repair this newly obtained vehicle, replace it or refund monies that have been paid and release me from this loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several late payments on my credit report. 

In accordance with the fair credit reporting act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy 15 USC 1681 section 6 o 4 section 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666B A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Debt collection

I C Systems, Inc., located at XXXX XXXX XXXX XXXX , XXXX XXXX, MN XXXX, is in violation of the Fair Credit Reporting Act. I C Systems, Inc. placed a negative collection account on my credit reports, that I have no knowledge of, without notifying me before placing the collection account. I was not allowed to validate this alleged debt prior to the company reporting it to the credit bureaus which is substantially damaging my credit. After doing some research, I found the original creditor, XXXX XXXX XXXX, a company that I also have no knowledge of, is associated with XXXX Hospital ER billing dept. I had only been seen at XXXX Hospital once, on XX/XX/XXXX and that bill was paid in full in XXXX through XXXX and myself. The amount I C Systems, Inc is reporting is the discount the insurance company negotiated with the provider that was applied to the bill. IT WAS NOT A CHARGE. I only owed XXXX Hospital a payment of {$59.00} after insurance paid out which I paid in XXXX. My score has dropped over 60 points due this is company 's failure to perform their due diligence instead of just purchasing random 'alleged delinquent accounts '. Again, {$580.00} is the amount that was negotiated by the insurance company. This company needs to remove this erroneous account that was added to my reports in XX/XX/XXXX since they failed to actually verify and confirm that a balance of {$580.00} was owed.
Product: Credit reporting or other personal consumer reports

I am writing to express my extreme dissatisfaction and concern regarding the unresolved status of my previous dispute about unauthorized inquiries on my credit report, which I submitted on [ XX/XX/year> ] and followed up on [ XX/XX/year> ]. This is my final attempt to resolve this matter amicably. I demand an immediate resolution in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ). 
Unauthorized Inquiries in Question 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 XXXXXX/XX/year> Section 611 ( 15 U.S.C. 1681i ) requires an immediate investigation of disputed information. It has been more than 30 days since my initial dispute, and I have yet to receive an adequate resolution, which is unacceptable.

Section 609 ( 15 U.S.C. 1681g ) entitles me to access all information in my file, including the results of your investigation. To date, I have not received the required information, which constitutes a violation of my rights.

Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. These inquiries were made without my consent and do not meet any permissible purpose under this section, representing a serious infraction.

Immediate Action Required I demand immediate action to resolve this dispute. Specifically, I request the following : 1. Thorough and Immediate Reinvestigation : Conduct a complete and urgent reinvestigation of the unauthorized inquiries.

2. Immediate Removal of Unauthorized Inquiries : Remove any inquiries found to be unauthorized from my credit report without delay.

3. Updated Credit Report : Provide me with an updated copy of my credit report reflecting these changes immediately.

4. Detailed and Documented Notification : Inform me in detail of the steps taken and the results of your investigation within 15 days of receipt of this letter. Include documentation supporting your actions. 
Warning of Legal Action If I do not receive a satisfactory resolution within the specified timeframe, I will escalate this issue to the Consumer Financial Protection Bureau ( CFPB ) and proceed with legal action to protect my rights as a consumer. I will not hesitate to seek compensation for any damages resulting from your failure to adequately resolve this matter. 
I expect your immediate response and resolution to this issue.