23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Hello, This item is in question to chase Credit Card Services. My account number : XXXX. This account is not past due, XXXX was charged off. It still shows late and PAST DUE on my credit report. The account number is The amount past due in question is {$1100.00}. I have verified that if an item is charged off it can not show currently past due or late. I have repeatedly disputed this item with no correction. Chase has refused to correct how this is reporting.
Product: Debt collection

XXXX XXXX, 2022 {$1200.00} I am being charged for something that I dont have any idea on what it is was
Product: Debt collection

I pulled a copy of my credit report and noticed that there was a collection reporting with XXXX XXXX. I did dispute the account with the credit reporting agencies because the account is not mine. I have never had XXXX service my entire life so I do n't know how they reported the false information. The three bureaus did remove the account. I thought it was said and done. Then I received another credit report and now Convergent Outsourcing is reporting the same exact account with a new open date. This is absolutely maddening. If they would use my social security number and birth date the would see it 's not mine. They are only going by my name which is common. I am very upset because I pay my bills on time and now because of their error it 's affecting my ability to make a financial move.
Product: Credit reporting, credit repair services, or other personal consumer reports

The agency ( Experian ) would not let me talk to an agent on the automated system and the web site they sent me to said they could not help and call.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want my Apple Card to be approved
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Equifax, XXXX XXXX XXXX. I submitted a complaint in regards to Identity Theft, complaint ID XXXX. Pursuant to 15 USC 1681c-2 you are in violation of the FCRA and willfully violated my Consumer Rights according to the law. I have provided proper proof of Identity, an Identity Theft Report, identification of such information, as well as a statement. Pursuant to 15 USC 1681 c-2 - Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

You are outside of the given timeframe allotted by the law to provide a fair and equitable resolution for the Consumer, myself. YOU BROKE THE LAW! I requesting that all information is deleted from credit file.
Product: Money transfer, virtual currency, or money service

XX/XX/2019 PayPal debited {$12.00} from my account ( Unauthorized debit ) XX/XX/2019 I called PayPal. PayPal refused to return any dollars Issue : PayPal ( again ) makes unauthorized debits from my account. Previously PayPal made unauthorized debits/holds on my funds due to credit card charge backs. 

Dispute : PayPal, XXXX and US Postal Service have an agreement among the three to allow unauthorized debits for incorrect postage. I have no say in that agreement. 

Statement of Facts : I accidently switched two XXXX shipping labels. One label was for heavy package ( {$7.00} USPS small flat rate box ), the other light ( {$3.00} USPS First Class ). USPS debited the full postage cost of the heavy box ( {$12.00} ) rather than the correct cost of a small flat box EVEN THOUGH the item was clearly packaged in a USPS-issued small flat rate box which commands a postage of exactly and only {$7.00}. USPS has not to-date credited me with overpaying on the other package. ( {$7.00} paid rather than {$3.00} ).
Product: Vehicle loan or lease

I asked the designated Lease return salesman to explain the early termination clause. He said it wouldnt apply to me if I paid the lease off in full prior to surrendering the vehicle, which I did. The lease company then charged me an additional nearly {$4000.00} early termination fee, despite me paying the lease off in full. When I went back to the dealership just weeks after being given advice. The man was no longer working for the company. The company had also been sold and was now under new ownership. They state they have no responsibility. 
I tried to get my leased car back and couldnt, as it was sold in auction. 
When I tried to get written notice that my account was paid in full-lexus XXXX  delayed the action for no apparent reason except to cause financial harm to me personally. The leasing company failed to have working phone services. Myself and others working on my behalf were left on hold for hours at a time. And offered nothing in writing stating my account was paid off.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The Equifax and XXXX credit bureaus must validate these accounts in line with Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Synchrony Bank. I have several store cards. I have zero negative accounts on my credit and only two late fees reflecting on my credit in the past two years. Synchrony Bank has decreased almost ALL of my credit limits ... causing my credit score to significantly drop. The reason Synchrony  gives me is that there are negative items or late payments on my XXXX ... which is completely not true! I have zero negative accounts and only two late payments in two years. I feel Synchrony is doing the same thing to a lot of customers  in my research. I have tried to rectify this situation with Synchrony Bank and have been unable too do so.
Product: Checking or savings account

XX/XX/XXXX i deposited a check in my account this will be the from the same issuer diff amount from a previous check that was cashed. XX/XX/XXXX citi bank recieved the funds in my account. They have been sending me back n forth from customer service to the branch just to get answers. Now my account is in process of being closed and no letter or explaimation why. They will not release funds. Citi bank is requesting the issuers bank to request the funds from citi bank. The issuer stats its not there issue because citibank has clearly cashed tbe check. I have not beem able to get this resolved. Its an emergency im homelesa and my kid neeesds to get to school.
Product: Vehicle loan or lease

Account was closed XXXX 2018 after it was repossessed unknowingly. There is an amount for {$4600.00} left over on the account. I later found out from my credit report that it was sold at an auction. I didn't didnt get any letters or notices stating the delinquents. Nothing stating the reposition nor that it was sold.
Product: Bank account or service

In XX/XX/XXXX I spoke with a representative of TD Bank after receiving a statement that an account I no longer used was incurring overdraft and maintenance fees. I told the representative that I no longer used the account and that it should have been closed for inactivatiy. The representative I had believed reversed the fees and closed the accouterments but I found out on XX/XX/XXXX that TD bank sent these accounts to their collection department and XXXX. I owe them no fees as I did n't use the account after XX/XX/XXXX. Called on XX/XX/XXXX spoke to representative name XXXX XXXX and she kept referring me to call a branch even after explaining they could n't help cause they would n't give account information over the phone.
Product: Vehicle loan or lease

I purchased a vehicle with Citizens One XXXX XXXX. 
1. My first " statement '' did not have loan amount.

2. Letter did not come with a coupon book.

3. Interest rate is not stated or principal / interest broken down 4. Called numerous times to resolve items and get transferred around to different depts.

5. Fuzzy copied letter does not appear " real ''
Product: Credit reporting, credit repair services, or other personal consumer reports

After all the recent media Ive been seeing about hacks of millions of Americans information. I received a copy of my credit report and noticed several accounts that were not mine, and reporting inaccurately to the credit bureaus I filed a police report to notify authorities. So far no actions have been taking by any of the credit bureaus. 



Below are fraudulently unauthorized inquires on my report : Company Name : Company : XXXX XXXX Account Number : XXXX Company : XXXX XXXX Account Number : XXXX Account Name : Chapter XXXX bankruptcy discharged Case Number : XXXX Please remove the fraudulent inquires listed below : Company : XXXX XXXX BANK Date : XX/XX/XXXX Company : XXXX Date:XX/XX/XXXX Company : XXXX XXXX Date:XX/XX/XXXX Company : XXXX XXXX XXXX SERVICES XXXX Date:XX/XX/XXXX XXXX : XXXX Date:XX/XX/XXXX XXXX : XXXX OWNER Date : XX/XX/XXXX Account Name : XXXX XXXX BANK XXXX Date:XX/XX/XXXX Account Name : XXXX XXXX Date : XX/XX/XXXX Please remove fraudulent addresses:XXXX  XXXX XXXX, XXXX, GA XXXX and XXXX XXXX XXXX XXXX, XXXX, GA XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian Hasnt reported my open credit card accounts with XXXX XXXX or XXXX XXXX! Like XXXX and XXXX! Laws stare all open credit accounts reported
Product: Debt collection

In 2019 I paid my last bill with XXXX XXXX XXXX  and instead them ending the contract they wanted to up sale me. I have filed complaints against XXXXXXXX XXXX XXXX  before. It's been about 8 months sense the last complaint I filed against XXXXXXXX XXXX XXXX. Now XXXX XXXX XXXX  sent my a collection notice through a company called AFNI. Now XXXX XXXX XXXX has a different amount, They are referring to this as a discounted offer. This is a fraudulent attempt by XXXX XXXX XXXX  to collect money not owed. The amount XXXX XXXX XXXX  said I owed is {$490.00}. Now, it's been reduced to {$270.00}. When I contacted the company before I filed my original complaint, all their customer service reps acted as they did not know who I was. All of their reps read from a script so they are not going to try to solve any problems.
Product: Credit reporting, credit repair services, or other personal consumer reports

this is an unfair system, one that must be ignored and exploited, and many laws have been broken because of the seriousness of cheating and not taking my situation seriously and cause defamation and no response for more then 30 days
Product: Checking or savings account

Two checking accounts were opened in my name without authorization. 
The first one received a direct deposit on XX/XX/ ( {$300.00} ) and the second received funds on XXXX ( {$500.00} ). 

I contacted Chase Bank, XXXX and police department to report the incidents. I also contacted the three credit bureaus.
Product: Credit card

I have an Apple Card through Goldman Sachs. My credit limit was {$41.00}. 

I made move-related, home prep for sale, and related purchases on the card. Out of the blue we were over our limit. Upon looking at card, Goldman Sachs had reduced my credit line to the point that we were over the limit. Given that our current home is in closing, we are shopping for a mortgage, and need to maintain our very high credit rating, being over the limit affects my credit worthiness and rating. I called them, got little in the way of why they did so, why the did not tell me ahead of time, and when they could correct the issue. Sorry, the usual time to get to these things is 10 days ... so yes, my credit took a hit. We did some things creatively to come up with {$5000.00} cash to bring the balance down and improve our credit utilization ratio a bit, but the over limit hit is going to affect the mortgage terms I will receive. Not fair, not transparent. Seems to me that they are limiting their exposure and putting the screws to their customers.
Product: Checking or savings account

On XX/XX/XXXX Chime closed my checking account with {$9300.00} in it for no reason at all. Since they closed my account, I can not talk with them. I have to email their support. I emailed 45 times. Nobody has emailed me back. I called the XXXX XXXX n they transferred me over to the escalation team at Chime. On XX/XX/XXXX that team said the check for everything in my account was already requested n would be sent out. On the XXXX when I called back to verify, the next person did not know what I was talking about. I filed a complaint with the XXXX. They will not email me ever but they contact XXXX  right away with no problem. I have given them my id, XXXX XXXX XXXXXXXX, proof of my XXXX, proof that all my money is legal and im not doing anything illegal and they still do not answer and keeping my money. I want my money back. They can keep their Terrible account I have opened other bank accounts. I just want my money back that was in my account. That was my entire savings n I want it back.
Product: Credit reporting, credit repair services, or other personal consumer reports

Last year I discovered a false account with XXXX XXXX and XXXX XXXX reporting on my file because of identity theft. I contacted the credit bureaus about it and they told me to file a dispute and a identity theft report with the Federal Trade commission. I submitted the dispute a the report but XXXX XXXX and XXXX XXXX denied the claim. This is not my debt. I have been cooperative with everything asked of me to dispute but both have refuses to stop reporting. Please investigate and help me resolve this issue. There is no way I willing to pay a debt that is not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

On Friday, XX/XX/2022 I Spoke with a representative by the name of XXXX who is a representative of XXXX XXXX. XXXX refuses to remove the XXXX delinquent payment status that is currently reporting to my consumer report. I explained to XXXX thoroughly that I encountered these two late payments during the Pandemic of " Covid 19 '' and that this status should be marked as " Current '' during this unprecedented time. XXXX states that XXXXXXXX XXXX is unaware of the " Cares Act ''.
Product: Mortgage

Ocwen Loan Servicing. Where do I begin? I have been harassed by Ocwen from the duration of when they began servicing my loan. Actually I would say they are a dis-service, not a service. Recently they have started harassing me about my payment. I have made my payment on the XXXX of the month for over 5 years. I have NEVER missed a payment, yet I continue to get harassed by Ocwen. Additionally I have never been 30 days late on my payment. This even as they could not determine what my actual payment was/is as they continue to mess my loan payment up. XX/XX/XXXX I received a letter from them every week with a new payment amount. They could not get my escrow amount correct or figure out if my rate was increasing and to what amount. Yes I am on an ARM. I spent long hours on the phone trying to find a resolution with Ocwen.This loan was my first mortgage loan I got back XX/XX/XXXX. The property secured by the loan is now an investment property. Unlike many others I have been fortunate and been able to maintain this property and not let it go into foreclosure during the credit crisis. I am in the mortgage business so I understand how everything works. I have been a mortgage professional dating back to XX/XX/XXXX and like many others endured several hard times. I am currently a VP at another Mortgage Company. I would tell anyone that listens that Ocwen Loan Servicing is one of the most unprofessional companies I have ever dealt with. Do whatever you can to ensure your loan is NOT serviced by them, but their service is more of a dis-service.
Product: Credit reporting or other personal consumer reports

I am a federally protected consumer and I am aware of my rights laid out by the FCRA. Im aware that you as a consumer reporting agency must maintain accurate records at all times across all credit reporting agencies on consumers files. 
Please investigate the completeness on bellow listed accounts within my consumer report that you maintain under my name and update my report with your findings within 30 days of your receipt of this dispute notice as per FCRA guidelines. 

I have attached screenshots of the erroneous information within my report for this account. Please complete this account within 30 days and forward me the results. If this account can not be verified, DELETE from my consumer report. 

ACCOUNTS : XXXX XXXX XXXX Under 15 U.S. code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of information is found to be inaccurate or incomplete or can not be verified the consumer reporting agency shall -- - ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

I have experienced much mental hardship over this erroneous account as it is prohibiting me from refinancing my home.

Standards established in the credit industry were created to ensure integrity of data and uniform communication between ALL credit-reporting agencies to maintain maximum possible accuracy. If these standards are broken then liabilities can arise. 
Your agency is obligated to conduct a thoughtful and fair investigation about this very important matter as I am attempting to handle this issue privately, now. 
I have attached the erroneous account ( s ) in question. This account ( s ) needs to be DELETED due to inaccurate information reported within my consumer report if it can not be 100 % verified/validated within 30 days of your receipt of this dispute notice then it must be corrected. Failure to do so could constitute willful non-compliance by your agency. 
Please DELETE this erroneous, inaccurate information on my consumer report within 30 days of your receipt of this letter if this information can not be made complete. 

Thank you for your rapid response in this very important matter,
Product: Debt collection

I have no clue what this debt is pertaining. I have tried to validate this debt with the address contained on my credit report as well as looking up the company on XXXX. Both letters sent to the address were returned to me. Whatever this collection might be, it seems like it's past the 7 year reporting timeframe. The credit bureaus, also did not assist me in rectifying this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I was suspended from employment, I did request from PHH mortgage a forbearance plan for XXXX, XXXX and XXXX. I went back to work and re start the payments on XXXX XXXX2020. I asked them what will be the next step in relation with the forbearance, they told me they need to modify the loan and ask for all the documentation, i did submit all the documents back in XXXX, but still not resolution up to today. I ask the why they keep sending me statements with late payments due, and they answer not to pay attention to them. Last thing that happened is that they report to XXXX  a missing payments report on the loan and i lost 85 points on my credit score, i did call them regarding this issue and they told me they can not fixed.another thing I notice on my  statement they are collecting on my payments MIP and PMI insurance on my mortgage, and my understanding is that should be only one, no both.
Product: Mortgage

Got approved for loan modification with prior servicer, XXXX XXXX XXXX in XX/XX/XXXX, made my 3 trial payments on time, then told I got paperwork in too late and would need to submit loan mod request again which I did in XX/XX/XXXX. Approved again in XX/XX/XXXX after I made my regular payments again for several months and was waiting for mod package in mail when this servicer, XXXX sold my loan to Shellpoint. I contacted Shellpont in XX/XX/XXXX and was told by my point of contact, XXXX XXXX that yes, Shellpoint would honor my prior loan mod. A week later, XXXX XXXX took over from XXXX and said no, we will not accept the prior loan mod, you need to submit new one. On XX/XX/XXXX from my bankruptcy attorney 's office, we faxed and emailed a Shellpoint form of loan modification request. I've called and called and no one has gotten back to me. Then a couple weeks ago I received a notice of change of servicer from Shellpoint to XXXX XXXX! It's been over 30 days with no response to my mod request. Also, when I called last week to inquire about it, I was told the loan will be sold on XX/XX/XXXX, so there is nothing we can do! I can not afford the payments of {$870.00} a month. The modified amount I was paying last year to XXXX was only {$520.00} a month. The servicer has been changed 3 times since XX/XX/XXXX.
Product: Debt collection

CREDIT CORP SOLUTIONS , INC. has apparently filed suit against me, regarding a debt that I DO NOT owe them I have never applied for, agreed to, and/or signed for any form of credit with this company. 
I have been receiving solicitation letters from bankruptcy attorneys, offering their services to me, due to this unsubstantiated debt. I am being threatened with up to 25 % paycheck garnishment, and/or freezing of my bank account. II have never received a letter or any form of payment request ( in which i would have denied and disputed ), because I have NEVER received a loan, credit card or any other form of credit from this company. 

I will not be threatened and i do not appreciate this company 's attempt to EXTORT money from from me, directly nor through false legal filings.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to formally dispute and demand the immediate removal of the following fraudulent accounts and inquiries from my credit report due to identity theft. These accounts were opened without my consent, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) to have these items promptly removed.

I am also writing to formally notify you that I am a victim of identity theft and request the immediate blocking and deletion of all fraudulent accounts or information related to the identity theft, as authorized by 15 U.S.C. 1681c-2 ( a ). I became aware of the breach of my personal information through the Equifax data breach, which has exposed my sensitive data to unauthorized individuals. 
The following fraudulent accounts and inquiries have been identified as a result of this breach : Collections XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I have no recollection of making a loan. They keep saying this and have been saying this for years but they wont believe me.