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

In Accordance with the Fair Credit Reporting Act ; I do NOT have any requisite OTHER NAMES or aliases and I do NOT desire any OTHER NAMES or aliases to be retained or reported other than my legal name : FIRST AND LAST NAME, DELETE NOW name identification number # XXXX and XXXX on EXPERIAN reported as of XX/XX/2022 ; or produce PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights.These inaccurate names violate my federal protected rights, FACT ACT TITLE 1 SEC. 151 and confidentiality under 15 USC 1681. Additionally, 15 USC 1681 604A Section 2 states a consumer reporting agency can not furnish account without my written instructions.
Product: Money transfer, virtual currency, or money service

Its about my on funds paypal, they limited my account 180 days i just want my money rightnow im suffering XXXX XXXX dont want my account back just want my funds to widraw my paypal email is XXXX XXXX
Product: Checking or savings account

I purchased an XXXX coffee machine from XXXX XXXX online at XXXX XXXX XXXX on XX/XX/XXXX. It has now been over a year, and they have not delivered the product in the timeline they originally promised. I asked for a refund on XX/XX/XXXX, after numerous broken promises to me about the shipment date. They said they would issue a refund, but they did not. 

I contacted my bank, Bank of America, who says that I can not even dispute this debit card charge with them, because it's over a year old. 

Since XXXX XXXX XXXX failed to deliver their product to me in the original promised timeline, I asked for a refund. I should get a refund in full from XXXX XXXX XXXX or Bank of America should reverse the charge to my checking account. I no longer want the product, as I do not trust this company any longer.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX spoke with XXXX MSL # XXXX on XX/XX/2018 and he stated Navy Federal Credit Union would remove the credit hard inquiry from my XXXX, XXXX, and XXXX  Credit Report since it is not reporting in Navy Federal Credit Union System. 
XXXX XXXX XXXX did not authorize Navy Federal Credit Union to make any Hard inquiry and view his credit report. It is your responsibility to ensure that creditors demonstrate clear permissible purpose in accordance with the Fair Credit Reporting Act before releasing a consumers credit report. Demonstrate that the hard inquiry for Navy Federal Credit Union dated XX/XX/2018 met this requirement, pursuant to the Act. 
Please delete Navy Federal Credit Union hard inquiry from my XXXX, XXXX, and XXXX  credit report immediately that Navy Federal Credit Union maintain under XXXX XXXX social security number without my permission. XXXX XXXX would like confirmation letter that Navy Federal Credit Union has removed and deleted this hard inquiry with XXXX, XXXX, and XXXX credit agency.
Product: Credit reporting or other personal consumer reports

Letter to Capital One XXXX XXXX ( XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> Re : Account Number [ XXXX ] Request for Pay-for-Delete & XXXX XXXX under FCRA To Whom It May Concern, I hope this letter finds you well. I am writing to respectfully request a pay-for-delete arrangement or a XXXX  adjustment for the late payments that have been reported on my credit file in connection with the above-referenced account. Due to temporary financial difficulties, I was unable to meet my payment obligations during the relevant period. However, I am now in a position to resolve this matter fully. 

In accordance with Section 623 ( a ) ( 2 ) of the Fair Credit Reporting Act ( FCRA ), I recognize your obligation to report accurate information to the credit bureaus. Nevertheless, the law also allows creditors the discretion to update or remove negative reporting, even if the information was accurate at the time it was reported. As such, I kindly request that you consider removing the late payments from my credit report as a XXXX  adjustment, given my history as a loyal customer and my current willingness to pay the balance in full or agree to a payment plan.

Furthermore, Section 623 ( a ) ( 7 ) of the FCRA outlines your ability to notify the consumer ( myself ) if negative credit information is being reported. However, nothing in the statute prohibits your ability to assist a customer by removing such information as a measure of XXXX. This is particularly relevant in cases where the customer is working in good faith to resolve the balance. 

As an expression of my commitment to resolving this matter, I am prepared to pay the balance in full or negotiate a mutually beneficial payment plan. In exchange, I request that you remove the late payments from my credit report with the credit bureaus ( XXXX, XXXX, and XXXX ). This would not only help improve my credit standing but also demonstrate Capital Ones or XXXX  dedication to positive customer relationships. 

I believe that this arrangement is in both our best interests, and I look forward to your favorable response. Please let me know how we can proceed to resolve this matter efficiently. 

Thank you for your time and consideration.
Product: Debt collection

I XXXX XXXX am in a big financial situation, where I need to request a settlement from Capital One. This financial institution is now taking me to court, even though I have given notice over the past year that I was facing a serious financial hardship. I do not desire a judgment to be taken against me. I do not desire to file for bankruptcy. However, I will borrow the funds from a relative if a settlement can be accepted for {$370.00} on the referenced account. I will need this settlement as quickly as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
15 US-CODE 16921 ADMINISTRATIVE ENFORCEMENT XXXX Account Number : XXXX  Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX and XXXX and XXXX, 2022, I sent letters all three credit bureaus asking for them to remove bankruptcy off my report. They somehow claimed they verified accurate information by via XXXX and XXXX XXXX, failed to respond to my questions of their methods of verification. XX/XX/2022 I resent letters certified with tracking numbers # XXXX XXXX XXXX XXXX XXXX, # XXXX XXXX XXXX XXXX XXXX, # XXXX XXXX XXXX XXXX XXXX. On XX/XX/2022, I went to the courthouse asking do they report bankruptcies to any credit bureaus and they immediately said no and gave me correspondence stating that US Bankruptcy Court do not report or provide information to credit bureaus or any other agencies. XXXX sent me an opt out letter stating they protect my information. So, if thats the case, how did the credit bureau verify a bankruptcy as 100 % accurate? They never did a fair investigation according to the 15 U.S.C. 1681. 15 U.S.C. 1681 section 603 ( 3 ) ( E ) States ; the term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he/she is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit report obtained directly from a creditor of the consumer or from a consumer reporting agency. When was such information obtained? You have violated my rights numerous times. You have violated my given rights under 15 U.S.C. 1681. According to 15 U.S.C. 1681 section 602 A. States I have the right to privacy. According to 15 U.S.C.1681 section604 A. Section 2 : A consumer reporting agency can not furnish an account without written instructions. According to 15 U.S.C. 1681 s-2 ( A ) ( 10 A person shall not furnish any information relating to a consumer to any consumer reporting agency. If the person knows has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

I have been requesting in writing amount owed and past payment history. Initial inquiry began in our around XX/XX/XXXX. I have been told over the phone that they would send. I have yet to receive any correspondence. Chase also told me they could not send over in writing the amount owed. Or payment history. I need these documents to continue employment with my current and future employers.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi. My name is XXXX XXXX. 
A few months ago our property management " XXXX XXXX '' decided to report our rental payments to credit bureaus, which I never signed up for and that clause was never on our lease in the first place. 
My roommate XXXX. hasn't paid rent for four months, and for some reason this affected MY credit score.We are not a family with XXXX, I am not her guarantor, we have got all our names of the lease separately, all of us had undergone separate credit check upon moving it, and now management is making me accountable for her late payments? Management chose her and approved her when she moved in, I have nothing to do with it. 
Also, they NEVER informed us late payments would affect credit score of everyone living in the apartment. 

I always pay on time, ALWAYS. I've built a perfect credit score of about 750. Now it went down by XXXX points because of that. This is an absolute absurd and technically my personal data infringement. Ive been meticulously building my credit score, Ive put real hard work in it. This error should be taken off from my credit report because its not associated with me in any way. 

I'm attaching evidence our rent payments for the past few months from which you can see I have always paid on time. 

Please assist. 

Property management contact details : XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX, NY XXXX P. XXXX F XXXX XXXX XXXX
Product: Debt collection

In the process of rebuilding my credit and Ive noticed a collection on my consumer report from I.C. System Inc the original creditor is XXXX date opened was XXXX XXXX, XXXX   and the amount is {$97.00}. The reporting of such inaccurate information has caused server damage to my character, my reputation, my general mode of living and my ability to obtain credit for personal and household purposes. You and your inaccurate reporting have damage my livelihood of being credit worthiness. According to 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute an inaccurate claim made by XXXX regarding missed payments on my auto loan account. I have reviewed my loan records, and there is no evidence of the occurrence of missed payments on my part. I believe the lender has reported false information to the credit bureaus or made an error in their records. 
Details of the loan in question : Lender 's Name : Truist Account Number : XXXX Loan Type : Auto Loan Date Loan Was Initiated : Disputed Issue : Incorrect reporting of missed payments in XX/XX/year>. 
Nature of Dispute : 1. I have made all payments on time and in full according to the terms outlined in my auto loan agreement.

2. I have attached proof of payment, such as bank statements, payment receipts, or screenshots of online banking transactions for the months in question.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, XXXX  XXXX  # XXXX, XXXX  XXXX  XXXX # XXXX, XXXX  XXXX  XXXX  # XXXX, XXXX XXXX # XXXX, 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.
Product: Debt collection

I have an issue with a company called  Montery Financial Services. I  have authorized them to on the  XXXX  of every month starting on  XX/XX/XXXX     to withdrawal the amount of approximately {$150.00} dollars from my bank account. However, for whatever reason for the first month the automatic withdrawal did not go through. Having me to call in an do a charge over the phone at the rate of an additional {$15.00} dollars per transaction. The contract I signed was allowed for {$150.00} per month an not the additional fees they tack on for their arbitration of refusal for payment.  <P/> I called during the second month to see why it was taking my automatic payment so long to post. Only to be told it can take up to  five  business days to process the card. However during that interim they charge an additional {$10.00} dollars per day to the monthly balance over the amount agreed in the contract. Secondly, the person I spoke with stated my card was pending and I was given a confrontation number for my payment not given any indication my payment was declined.   However when I check my bank and call back the previous day they informed me my card was declined yet I have no notification from  Montery  or any pending charge or notification from my bank.  <P/> During the second month using the same card they accepted earlier they refuse to charge the account for the amount due. This makes the accout become delinquent. Then they proceed to charge an amount of {$10.00} per day for a late fee plus another {$10.00} per fee for declining my previously approved payment method. I have contacted them attempting to pay yet they still do n't process my payment and claim it is late. Can you help me?
Product: Debt collection

The debt collector ( Portfolio Recovery Associates LLC ) has placed a collection on my credit report for a debt that is not mine. They are using an illegal practice by trying to collect the same debt from two individuals in the same household. I have attached two photos from my ( XXXX XXXX ) XXXX credit report and that of XXXX XXXX who lives in the same household as me. The Collections are both from Portfolio Recovery Associates LLC and have the same account number. The information I found interesting is that although the Collections are from the same account they are showing different debt amounts. This makes me assume that Portfolio is simply randomly collecting debt they do not have the right to collect. So because of this if Portfolio Recovery Associates LLC is unable to send me a debt validation that includes a contract or official document that has my signature from the credit card company stating I am the bearer of the debt. I also will need to be sent the official or government document stating Portfolio Recovery Associates LLC is the legitimate owner of the debt. They must also include their license # that allows them to collect debt in the state of California and the license numbers of Virginia where they are stationed. Lastly, I will need all the information about the debt including how much it was purchased for. If Portfolio Recovery Associates LLC is unable to provide this proper debt validation within a 30-day window then they must remove the collection from all three credit Bureaus as is my right under the Fair Debt Collection Practices Act. ( FDCPA ) If they refuse to do so I will have no choice but to sue them for the XXXX penalty for infringing my consumer rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 XXXX Amerisave Mortgage did an inquiry on my credit report and all XXXX credit reporting agencies have the hard inquiry that does not get removed for 2 years. I did not authorize or have not had any communication with or signed any documents with anyone from Amerisave to pull a credit report on me. The only communication I had with this company was on the XXXX XX/XX/XXXX, when I contacted the company to find out why there was a credit inquiry that I did not authorize.
Product: Debt collection

I found a `` XXXX '' account on my credit report in the amount of {$170.00}, Account No. XXXX. It was opened XXXX/XXXX/XXXX and reported to my credit XXXX/XXXX/XXXX. 

I did not go to XXXX XXXX XXXX XXXX or take my adult sonvthere in XX/XX/XXXX or XX/XX/XXXX. I also never signed anything giving anyone permission to take my son there so this could not be my bill. 

I have repeatedly requested verification of this account being mine from GLA Collections as well as from XXXX XXXX XXXX XXXX. I have never received any verification from them because this account does NOT belong to me. They either entered information incorrectly or someone used my name. I dispute this information. This is NOT my bill. 

I am also unable to find out exactly who I supposedly owe this too. I live in XXXX and have googled this place in XXXX and sent letters to any addresses I could find.
Product: Credit card or prepaid card

Called the XXXX XXXX credit card company and stated I never received a credit why are there charges on my credit report. They knowledge I didnt receive a credit card an stated they canceled the credit card but I noticed they put a sixty day notice on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

NTB/CBNA is reporting a charge off that I have not authorized/no knowledge of. I have reported identity theft on numerous occasions, however they are adamant that the report is correct. The credit card was opened on XX/XX/2018 for a balance of {$700.00}. It is currently reporting a charged off balance of {$1000.00}. Due to this inaccurate information my credit profile is impacted negatively!
Product: Credit reporting or other personal consumer reports

I appreciate your time to correct some of the misleading information previously reported on my credit file. Right now I am not satisfied that you have completely fulfilled the guidelines of the Fair Credit Reporting Act in conducting your examination. I sense that the remaining items need proper action to assure maximum possible accuracy on my credit file. For that reason, I am asking for another investigation of the following items here : XXXX XXXX XXXX  Balance Owed : {$1400.00}
Product: Money transfer, virtual currency, or money service

I purchased a Western Union money order from XXXX ( XXXX XXXX, XXXX, NY XXXX ) on XX/XX/2023 in the sum of {$300.00} made payable to the Justice Court XXXX XXXX XXXX and immediately mailed it tothe Justice Court at XXXX XXXX XXXX, XXXX XXXX, XXXX. NY XXXX. On or about XX/XX/2023, I received a second notice that the fine was not paid and I immediately contacted the Court and Western Union to inquire. 

I eventually received a copy of the front and back of the money order which is enclosed herewith to find out that it was altered by someone by the name of XXXX XXXX. I filed a State Police complaint report. State Trooper XXXX went to the address listed on the money order. The person residing there was a XXXX policeman with the last name of XXXX. He informed XXXX XXXX that he had lived there many years and had never heard of XXXX XXXX. 

I then notified WU to being a fraud investigation. They sent me the paperwork which I immediately filled out and return via priority mail. They received it on XX/XX/2023 but they now claim that they never received it.
Product: Credit reporting or other personal consumer reports

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$65000.00} XXXX XXXX  XXXX Balance : {$22000.00} XXXX XXXX  XXXX Balance : {$14000.00} XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 : {$65000.00} XXXX XXXX  XXXX Balance : {$22000.00} XXXX XXXX  XXXX Balance : {$14000.00} XXXX XXXX  Inquired on XX/XX/XXXX XXXX  XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX  Inquired on XXXX XXXX, XXXX XXXXXXXX XXXX  Inquired on XXXX XXXX, XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX on XX/XX/XXXX XXXX  XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  Inquired on XXXX XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$65000.00} XXXX  XXXX Balance : {$22000.00} XXXX  XXXX Balance : {$21000.00} XXXX XXXX  XXXX Balance : {$14000.00} XXXX  XXXX Inquired on XXXX XXXX, XXXX XXXX  XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX  XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX  XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX  Inquired on XXXX XXXX, XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX XXXX  Inquired on XXXX XXXX, XXXX XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXX  Inquired on XXXX XXXX XXXX XXXX XXXX XXXX  Inquired on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX
Product: Credit card

After month 's of a barrage of marketing material for Citi Advantage ( XXXX ) XXXX Card to replace my XXXX XXXX card from a different bank, I accepted their offer for their card. As part of this deal they promised XXXX additional bonus points if I used the card within 3 months of opening it. In early XXXX XXXX XXXX ) I received a marketing piece in the mail from them that on the front page stated, 'Last Chance Earn XXXX Bonus Points. ' In early XXXX. I charged {$3600.00} on this card, which I paid off in XXXX ( XXXX ). 
I recently reviewed my account and did n't see the XXXX bonus points credited so I emailed them. I received a response that my offer had expired, so no points would be credited. They did not respond to my questions about their early XXXX marketing material and my 'Last Chance ' to earn these points. 
Honestly, I may be outside they claimed 90 days from when their card was issued, I ca n't imagine by too much as I did put this card away for my XXXX shopping. However I submit that their marketing material induced me to use their card, which clearly stated it was my 'Last Chance. ' I also think they know they are wrong and probably have thousands of other customers like me who now are just a little bit unhappy with their Citi XXXX XXXX XXXX card.