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

XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Fl XXXX XX/XX/year> Experian, XXXX, XXXX, dispute department XXXX XXXX XXXX XXXX, TX XXXX Re : Dispute of Account Reporting Violations - Account Number : XXXX XXXX  account number XXXX, XXXX XXXX  account number XXXXXXXX XXXX XXXX. account number XXXX XXXX XXXX  account number. XXXX XXXX XXXX Account number. XXXX XXXX XXXX  account XXXXXXXX XXXX  account # XXXX To Whom It May Concern, I am writing to dispute the information reported on my credit report regarding the account with account number XXXX XXXX  account number XXXXXXXX XXXX XXXX account number XXXXXXXX XXXX XXXX. account number XXXX XXXX XXXX account number. XXXX XXXX XXXX  Account number. XXXX XXXX XXXX account XXXX XXXX  account # XXXX Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681 Section 604 ( a ) ( 2 ), it is explicitly stated that a consumer reporting agency can not furnish an account without my written instruction.

Furthermore, I would like to bring to your attention the violation of 15 U.S.C. 1666b, which prohibits a creditor from treating a payment on a credit card account under an open-end consumer credit plan as late for any purpose without a valid reason. 

It has come to my attention that experian, XXXX, XXXX has reported inaccurate information regarding the account in question, which has had a detrimental impact on my credit score and financial well-being. I have not provided written authorization for this account to be reported, and there is no valid reason for the late payment designation. 

I kindly request that you investigate this matter promptly and correct the inaccuracies in my credit report by removing the account XXXX. Please provide written confirmation of this dispute resolution, and ensure that any future reporting complies with federal regulations. 

Failure to rectify this situation may result in legal action to protect my rights under the FCRA. I trust that Experian, XXXX, XXXX will address this matter promptly and efficiently, adhering to the legal requirements outlined in the FCRA. 

I appreciate your prompt attention to this matter and look forward to the swift resolution of this dispute. Please feel free to contact me at Phone Number XXXX or XXXX if you require any further information or clarification. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/20, I was denied access to my online log in. I received the message, trouble logging in? I followed the prompt to resent password and was informed my personal information did not match the information on file. On XXXX I called the company 2 times. I was hung up on after speaking to the robot. Then I spoke to a multiple reps who transferred me to an IT rep. I was on the phone for nearly 45 minutes. I hung up because I had to work. I then contacted live chat 4 times. They recommended the same interventions each time, and each time it failed. I called CITI on XXXX. I was hung up on the first time. The second time I spoke to a representative who informed me he neededto transfer me to IT. He did so and then they hung up on me again. I am now online with chat for the fifth time. I have wasted hours of my life to log into my account to be sure I pay my bills. This company is a menace and has no semblance of IT support or customer service. Please intervene.
Product: Credit reporting, credit repair services, or other personal consumer reports

Incorrect personal information reported on my credit file. These names, phone number and addresses are not associated to me. 

Names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX Addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ca XXXX XXXX XXXX XXXX XXXX XXXX XXXX ca XXXX XXXX XXXX XXXX XXXX XXXX ca XXXX XXXX XXXX XXXX XXXX XXXX XXXX ca XXXX XXXX XXXX XXXX XXXX XXXX ca XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ca XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX ca, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ca XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ca XXXX XXXX XXXX XXXX # XXXX XXXX XXXX ca XXXX phone number : XXXX
Product: Debt collection

XXXX XXXX contacted me at work and talked to my employer about an account that has been removed from all three credit bureaus because after investigation they all found that the account did not belong to me and there was no real record of the account by the originator. I am a current client of XXXX so I find it hilarious this debt keeps getting resold and I keep getting XXXX XXXX iver it. This is a direct violation of my FCRA rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

Addresses listed on my credit report are not mine. Only the  XXXX , IL address is mine. I have never lived at the other  XXXX  addresses and need them removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

In 2017 I filed a complaint with equifax regarding an incorrect balance on my credit report with XXXX XXXX. I informed them that they are reporting inaccurate information and asked them to verify the information. They refuse to remove the false information.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of items below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I told XXXX, Transunion, and XXXX to reinvestigate these items : 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 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 However, they stated that everything was completed and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are supposed to modify that isnt reporting correctly. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section604 A section 2 : It also states a consumer reporting agency can not furnish an 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 seven years.

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

Experian is falsely reporting that I filed a Chapter XXXX bankruptcy and obstinately refusing to delete XXXX accounts from Bank of America that they are wrongfully reporting as discharged in a Chapter XXXX bankruptcy. This is damaging a mortgage application I have pending.
Product: Checking or savings account

We deposited a check for {$1700.00} on Friday night ( XX/XX/XXXX ) using the Chase Mobile App, which was for items we sold to the buyers of our house. On XX/XX/XXXX, the buyers stopped payment on the check. So even though we presented the check BEFORE they stopped payment, the bank still withdrew the funds away from us and did not honor the {$1700.00}.
Product: Mortgage

I have been contacted by the attorneys for Nationstar Mortgage aka Mr. Cooper. There has been a motion filed to collect a mortgage debt on my XXXX XXXX mortgage. I am currently in chapter 13 and they have filed for a stay. I had no knowledge of nor did I sign anything having to do with that property. No amount of explanation has resulted in anyone listening to what I can prove. I now must incur legal fees I obviously cant afford to defend against this. My father has been dead more than five years a fact that they could easily verify. I am XXXX and in bankruptcy! I consider this unfair prosecution. Im being harassed by XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX. XXXX   XXXX, XXXX, PA XXXX. The fact that a company that can recover losses on a mortgage via foreclosure and mortgage insurance amplified the unbelievable greed of this company. I may have been related but I am not responsible for a debt I did not incur or know about! Nothing has been done thus far to prevent these kind of unfair mortgage lender practices. 
Sincerely frustrated, XXXX XXXX XXXX XXXX XXXX XXXX   XXXX, NJ XXXX
Product: Vehicle loan or lease

I had a loan with lobel finance, they tried to repo the csr in XXXX after I made XXXX payment on XXXX, they send the repo and he violated my right lifted the car and damage it, I call the cops I call the bank to make payment and they refuse to take it thinking the repo going to take the car, police make the repo drop of the car, for 3 month after and my car is damaged and I tell the finance company they refuse to give me repo company info and they claim no responsibility, I requested for loan to be paused original loan amount is XXXX after 7 payments of XXXX and 1 payment of XXXX my pay off is at XXXX they refused to talk and the car is totaled they kept charging me while ignoring me, refused to pay me gap
Product: Debt collection

on XXXX XXXX a default judgment was entered against me for a credit card. When the default judgment was entered interest of {$2000.00} was added to the judgement for a time period that the company did not own the account the credit card account was charged off in XX/XX/XXXX interest was charged from XX/XX/XXXX I seeked the courts to intervene on this matter and because the judgment was already entered and time had passed the judge was unable to overturn this I am now having to pay interest I never owed to this collection company that has broken the fair debt collection act ( FDCPA ) thought its practice of retroactively imposing post charge interest on consumers debt. i am asking for assistance I have tried to settle the account which they refuse to do unless I pay 85 percent of the debt in full. Please help stop this creditor from predatory  collections on monies they are not owed.
Product: Credit reporting or other personal consumer reports

RE : Late Payment Improperly Reported- I XXXX XXXX have a RIGHT TO PRIVACY under 15 USC 1681A ( 4 ) as a federally protected consumer and I know my rights presented under the Fair Credit Reporting Act clearly outlined within 15 USC 1681. The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So, whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n and 15 USC 1681o, which allows for {$1000.00} per violation, for account listed without my expressed written consent. I was reviewing my consumer reports and noticed XXXX XXXX on my credit report that need be immediately updated to paid as agreed. My Consumer rights have been violated by Experian, XXXX, XXXX. Experian, XXXX, XXXX has violated my consumer rights and violated federal law. This is now multiple attempts to notify you of this erroneous error on the part of your agency. This erroneous late payment is affecting my ability to obtain a loan to save my business from crumbling and also blocking me from the housing that I so desperately need for myself and my family. Please change this to paid as agreed immediately so that I may proceed with my life, or I may be forced to seek legal damages against your agency as I already have sought legal counsel in this more than important matter. Thank you.
Product: Credit reporting 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. 

Account Name : XXXX Account Number:XXXX Account Name : XXXX XXXX XXXX  Account NumberXXXX Account Name : XXXX Account Number:XXXX  Account Name : XXXX XXXX Account Number:XXXX has violated my rights. Or a list of inquiries : 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 seven 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.
Product: Checking or savings account

IN XX/XX/2021 MY CREDIT AND BANK ACCOUNT WAS COMPRIMISED A NEW ACCOUNT AND CHARGES WHERE MADE FROM MY CHECKING ACCOUNT WITH CHASE BANK AND A NEW BANK ACCOUNT WAS OPENED WHEN I FOUND OUT I CLOSED THE ACCOUNT AND NOTIFIED ALL ENITIES I HAD DEALINGS WITH
Product: Payday loan

I started a Payday loan with XXXX that was then switched to BigPictureLoans.com. The loans was initiated on XXXX XXXX, 2016 and the funds were receveid on XXXX XXXX, 2016. The loans was for {$1000.00} and I expected to pay a Finance Charge of {$350.00} which would be paid back in 3 Payments of {$350.00} and 1 payment of {$300.00}. The repayments were schduled to begin on XX/XX/2016 and continue every two weeks. When the fourth payment was pulled on XXXX XXXX for another {$350.00} and not {$300.00}, I contacted the lender who then informed me the loan was actually at an 887.9671 % APR with a total finance charge of {$8900.00}. I told them I had only agreed to a total finance charge of {$350.00}. I also let them know I had checked with the Maryland Commissioner of Financial Regulation and the Small Loan Rate Cap for MD is 2.75 % per month or 33 % per year basically making their loan illegal. I then requested the return the extra {$50.00} that was pulled on the last payment and requested they show the loan as Paid In Full. I then let them know they had 48 hours to meet my request or I would go to the Commissioner. I also let them know, no other ACH withdrawals would be allowed from the account to pay for the loan.
Product: Debt collection

I the consumer asserted my rights to validate a debt with Capital One Bank USA Na. However, Capital decided to violate my rights. I have details of these individual actions in the attached documents.
Product: Credit card or prepaid card

XXXX XX/XX/XXXX, my credit card was charged for {$1900.00}, and on XX/XX/XXXX, my card was charged for XXXX by XXXX XXXX XXXX. I immediately notified Chase Credit Card services and told them these are unauthorized charges and I have never even step foot to XXXX XXXX, XXXX. Chase immediately gave me temporary credit for the XXXX unauthorized transactions and told me they would open up an investigation and look into the matter. At the beginning of XXXX of XXXX, I received a call from a Chase representative with their fraud department, telling me the issue has been resolved because merchant has been reluctant to cooperate and has only send in information that is not sufficient enough to justify the unauthorized charge. After she asked me a few more questions, I was told that I will also receive a copy of the result of the investigation in mail ( which I never did ) and everything is settled. In addition, I was given a new card with a new account number since the old card was found to be compromised. 
Fast forward XXXX months, the XXXX unauthorized charges are back on my account as of XX/XX/XXXX. All of sudden Chase is claiming that I've authorized the transactions and the merchant was able to provide documents showing that my chip card was used. This whole time I hold possession of my card and has not given any card information nor given access to anyone else to use the card so I know for sure I did not use the card, especially at a car merchant ( I don't even own a car to begin with ). I called chase on XX/XX/XXXX, XXXX, XXXX, and XXXX to request more information, not including dates when I called their Fraud department to leave voicemails for the specialists handling this case, also no including the couple times I've gotten their callback after leaving voicemail. I requested Chase to provide the documentations to me XXXX times and was told they will be able to send the documentations, I have received nothing in email or mail. I've filed a BBB complaint against the merchant and the merchant confirms that I am not a client with them and they have no records of me doing business with them. After I uploaded more information for them to look into the matter, they failed to respond to me. I've also contacted the merchant ( call and email ) who has refused to give me any details on these transactions and has demanded that I stop contacting them and sort it out with my credit card company instead.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was made aware some time ago that someone stole my identity ( social security number, first and last name ) to rent an apartment with XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX back on XX/XX/2021. The balance has shown up on my TransUnion multiple times as this person has not paid rent in over XXXX months. The balance is well over {$15000.00} and continues to grow as this person still lives at this apartment. When this was first reported to me I was living in XXXX, CA. I now live in XXXX, Idaho. I have filed XXXX disputes with TransUnion, created a police report, submitted all the appropriate documentation that were asked of me from the apartment complex ( lease agreement, renters ledger, Drivers license, social security card, police report ) yet the apartment complex still does not believe this is fraud. The XXXX XXXX Police Department was even in contact with the apartment complex.
Product: Credit reporting or other personal consumer reports

An account at XXXX is report that i have an account and I never had an account with this company...
Product: Credit card

United is refunding me for some plane flights I booked ( with cash not points ) through the chase travel portal. The United email says returning to XXXX ending in XXXX. That is obviously not my chase card. United customer service explained chase likely uses another card to make their bookings.

After chatting and calling with chase service nobody has any idea or can offer any assistance here. I just need to confirm with chase that I will be getting a credit on my statement. Please i just need some help with this - its a large amount of money for me as I am paycheck to paycheck.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 

To following information on my credit report is the result of identity theft and should be blocked : INQUIRY : XXXX XX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

On  XXXX    XXXX  ,2017  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , Ca  XXXX   XXXX  had had inputted an inquiry on my credit report without my consent or knowledge.
Product: Debt collection

This is a old debt Past Statue of Limitation! Purchased by a 3rd party for pennies on the dollar. Does NOT state Original debt DATE or the Original Debt Company. I don NOT owe this. Will NOT pay for a old debt that is way past Statue of Limitation. These tactics are NOT legal, as they are filling at a Court House that is PAST STATUE OF LIMITATION!!
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention the unresolved issue concerning late payment account on my credit report. Despite previous attempts to rectify these discrepancies, they remain unaddressed. The ongoing issue with late payment accounts remains unresolved, causing concerns and potential financial repercussions. I kindly request a thorough review and prompt resolution of these issues to ensure the accuracy and fairness of my credit report. Your immediate attention to this matter is greatly appreciated. 

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

While I was in college, our dorm room was broken into and personal items were removed from my room. SSN card, bank statements, checks and other personal items. I filed a report with administration and campus police department. I was informed to wait and to start monitoring my credit. I noticed items on my file I did not apply for. I am having problems with Trans Union in resolving the problem. 


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
Product: Vehicle loan or lease

I did not receive the loan statements for XXXX, XXXX, and XX/XX/XXXX and for the months of XXXX and XX/XX/XXXX. They are sent to me via United States Postal Service mail.
Product: Credit reporting or other personal consumer reports

This is my XXXX time submitting a complaint against the bureaus, they know that i have been a victim of identity theft, however i keep getting the accounts verified like they are mine. I finally filed a police report.
Product: Credit card or prepaid card

This was a rebate gift card from American Express. It was my understanding that they could not charge monthly fees if the account was active and being charged. I have been charged a monthly {$2.00} maintenance fee even though I've been using the card.