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

I am writing to formally dispute inaccurate information being reported on my credit report regarding a charge-off. The account in question is listed as follows : -Creditor Name : XXXX XXXXXXXX XXXX XXXX Account Number : XXXX -Date of Charge-off : XX/XX/year> It has come to my attention that the charge-off is being reported month after month on my payment history, which is incorrect. According to the Fair Credit Reporting Act ( FCRA ), negative information such as a charge-off should only be reported once, corresponding to the date it was charged off. 

The FCRA requires that credit reporting agencies ensure the accuracy of the information they report ( 15 U.S.C. 1681e ( b ) ). Repeatedly reporting the charge-off each month results in a misleading and inaccurate credit report, which has significantly harmed my credit score. Additionally, the statute of limitations for reporting a charge-off is seven years from the date of the first delinquency that led to the charge-off ( 15 U.S.C 1681c ( a ) ( 4 ) ). Continuously reporting this charge-off as a new event each month does not reset the statute of limitations and is improper. 

I request that you promptly investigate this account and correct the inaccurate information by removing the repeated entries of the charge-off from my payment history. Please update my credit report accordingly and provide me with a confirmation of these corrections. 


Thank you for your attention to this matter.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX ( XXXX ) XXXX XX/XX/XXXX Experian PO Bx XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX, GA XXXX Subject : Request for Reinvestigation of Identity Fraud Complaints 15 USC 1681 , 15 USC 1666, and 15 USC 1692 ( g ) Dear XXXX, XXXX, Experian, and XXXX I am writing to request a reinvestigation of the identity fraud complaints I previously filed with the Consumer Financial Protection Bureau XXXX CFPB ), which are governed by the Fair Credit Reporting Act ( FCRA ) under 15 USC 1681, as well as by 15 USC 1666 and 15 USC 1692 ( g ), which regulate fraudulent reporting and debt collection practices. 
On XX/XX/XXXX and XXXX, XXXX, I reported that I was a victim of identity fraud, which has resulted in inaccurate or unauthorized information being included in my credit file. Despite my efforts to resolve this issue, I have not seen an adequate resolution or correction of the fraudulent entries. 
Under the Fair Credit Reporting Act ( FCRA ), you are obligated to conduct a thorough reinvestigation when fraudulent activity is reported. Specifically : XXXX. 15 USC 1681- Fair Credit Reporting Act : Requires you to investigate any disputes I raise regarding inaccurate information in my credit file, particularly information that resulted from identity theft or fraud. 
XXXX. 15 USC 1666 - Billing Errors : Prohibits creditors from continuing to collect on fraudulent accounts or charges stemming from identity theft. 
XXXX. 15 USC 1692 ( g ) - Debt Collection Practices : Requires debt collectors to provide proper validation of debts, including ensuring that those debts are not a result of identity fraud. 
I kindly request the following : XXXX. A comprehensive and prompt reinvestigation of the disputed fraudulent entries related to my identity theft. 
XXXX. A detailed explanation of the steps taken to investigate these fraudulent accounts and remove them from my credit report. 
XXXX. Immediate correction or removal of any inaccurate information found during your reinvestigation, in accordance with my rights under the law. 
XXXX. Documentation of any communication or steps taken by the debt collectors or creditors involved in this fraud to rectify the situation. 
Please inform me of the outcome of your reinvestigation as soon as possible and provide a written explanation of the actions taken to resolve this matter. 
If you require any additional information or documentation to assist with your investigation, please do not hesitate to contact me at ( XXXX ) XXXX or XXXX. 
Thank you for your immediate attention to this matter. 
Sincerely, XXXX XXXX XXXX
Product: Debt collection

Midland credit trying to take me to court for my auto loan through XXXX XXXX XXXX I pay regularly twice a month total {$300.00} a month for XXXX  XXXX XXXX ruining my credit! Someone is tampering with my credit also been paying back collection debt from XXXX XXXX XXXX debt and yet my credit keeps going down trying to pay debt down for XXXX  but no information just says collection been paying it monthly for a long time promised to let creditors know never did XXXX XXXX XXXX XXXX 3 times and been living in the XXXX  XXXX in XXXX Ma XXXX XXXX XXXX XXXX ma XXXX for a year credit stopping me from getting place to live! Please Help XXXX XXXX
Product: Mortgage

Hi, On XX/XX/XXXX - XXXX, 2019 I was contacted several times by Quicken Loans mortgage to apply for a refinancing loan. On XX/XX/2019 I did apply and after I was assure that I will get a better deal than my current mortgage situation, I applied for a cash out refinancing in order to consolidate some of my credit card debts. Based on my credit report, income, etc. the mortgage representative sent me the loan estimate and Uniform Residential Estimate. Based on the numbers provided I did agree to proceed with the condition that, these numbers won't change later. Two days later when, I tried to contact Quicken Loans representative with whom I started the loan, I was told that, that person left for a vacation trip and somebody else will take care of me. This was the first red flag. The new mortgage representative sent me a new loan estimate with different numbers this time and pushed me for signing the updated disclosure. Of course, I complained about the new changes, and asked to go by the first Loan Estimate numbers we agreed from the start. At this point I refuse to sign/acknowledge any document they tried to pushed it on me. I stated that it's not in my best interest and it was not what I was promised. From the start, I was assured that, if anything happened, I'm not happy or the loan won't close for any reason I won't be charge any money. It was not the case because I was charged {$400.00}  for the appraisal. I didn't close this loan or sign/acknowledge any disclosure, so I wonder why I was charged for a service I didn't receive? 
I believe Quicken Loans, through their mortgage representatives used a deceptive practice to lure me in with some " good deal '' and after that, change the Loan estimate 2-3 times, knowing that I will be pushed to accept their deal they'll try to offer me, which wasn't in my best interest. I tried a few times to contact them and ask for my {$400.00} I was charged for no service or any benefits received. So far nothing happened. I just want my hard work money to be refunded. Thank you for any feedback and help. 
Loan number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX XXXX XXXX Inquiry : XX/XX/2020 ; XXXX XXXX Inquiry : XX/XX/2020 2020
Product: Credit reporting or other personal consumer reports

I am submitting this complaint against TRANSUNION regarding inaccuracies in my personal information as reported in my credit report. 
Details of the Dispute : 1.Address : My current residential address is XXXX XXXX XXXX  XXXX XXXX, FL XXXX XXXX but my credit report shows an outdated address as 1 ) XXXX XXXX XXXX  XXXX, FL XXXX XXXX I request that my current address be updated accordingly. 

2.Employer : My current employer is XXXX XXXX  XXXX XXXX but it is listed incorrectly on my credit report as 1 ) XXXX, 2 ) XXXX XXXX , FL. I request that employer be updated to reflect the correct information. 
Supporting Documentation : I have enclosed copies of supporting documents to verify the accurate information provided above, including : A copy of my driver 's license or passport displaying my correct name. 
A recent utility bill or bank statement showing my current address and current Employer.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, XXXX consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding XXXX XXXX XXXX XXXXXXXX ) against them for similar violations. 

I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation. 

These are the accounts that I have marked inaccurate & I would like the reported accounts to be removed : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, XXXX, XXXX Card services.
Product: Credit card

In late XX/XX/XXXX or early XX/XX/XXXX I received several voice messages and emails from Bank of America regarding my XXXX credit card. I immediately contacted the bank and was informed that fraudulent charges were detected on my XXXX credit card and the bank closed the account to protect me from further fraudulent activity. I was alarmed because I have had this account for 5 years and I have not utilized the card in more than 4 years and it had a XXXX balance with a {$10000.00} limit. The bank assured me that all charges would be reversed and any fees associated with this issue would be reversed as well. I was also told that the charges arose from a cafe in XXXX where someone was purchasing coffee and snacks. I advised the bank that I have never been to XXXX to assure them that I had no part in this fraudulent activity. The bank representative at Bank of America said that I would receive a new card in the mail in 7-10 days. When that card did not arrive I re-contacted Bank of America and was told the card should have been received so they would issue a XXXX replacement card via priority mail ( signature required ). I did receive the XXXX replacement card. My problem with this entire process is now that I have the new card the associated fees for the replacement and the fraudulent charges have not been reversed completely as Bank of America promised. Now there is a 30 day late payment on my credit report for the fraudulent charges and fees totaling {$31.00}. This late payment has affected my qualification and approval for a mortgage that I was in the process of obtaining. On XX/XX/XXXX I contacted Bank of America again to discuss this matter and they apologized for the inconvenience and assured me that the fees are being reversed and the 30 day late on my credit report would be reversed in 30-60 days. This is not acceptable. I do not want to have this negative notation impede my mortgage loan processing or impact my mortgage interest rate negatively.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted and multiple FTC Reports regarding the account that do not belong to me. 

Account name : XXXX XXXX Account Number : XXXX Account name : XXXX XXXX I Account Number : XXXX Account name : XXXX XXXX  Account Number : XXXX Account name : XXXX Account Number : XXXX Account name : XXXX XXXX Account Number : XXXX Account name : XXXX Account Number : XXXX Account name : XXXX Account Number : XXXX Account name : XXXX Account Number : XXXX Account name : XXXX XXXX Account Number : XXXX Account name : XXXX XXXX Account Number : XXXX Account name : XXXX Account Number : XXXX Account name : XXXX XXXX Account Number : XXXX Account name : XXXX Account Number : XXXX
Product: Credit card or prepaid card

XXXX XXXX account managed by Synchronic Bank lowered my credit limit from {$700.00} to {$160.00} based on false information and/or someone's very personal decision. Terms and Conditions states that Credit Card account may choose to make annual revision of account to increase limit or provide offers. Terms and Condition don't give mentions of lowering credit limit only because my credit report changes. Usually a big fan of XXXX Credit Card. But you guys really made a mess. Really frustrated. But hoping you can help. Ready to stay to a loyal customer but only if you make it right! Dont want to close my account after all these years. 
My credit report changed for around a month and 3 weeks due to an error made by a company which sent me to collection. This collection has now been deleted from my credit report 7 days ago, and actually my credit score were XXXX until you decided to lower my limit and it went down 22 point due to this action taken by one of your representative. 

I don't believe the system messed up 7 days after my credit score went up and my collection was deleted from my credit file. I'm now taking actions and I'm asking you to re evaluate this action and give me back my original credit limit. 

Please be advice, this isn't the only way I'll be discussion this matter, I'll be sending a goodwill certified letter, I'll be using my State Attorney and the FTC so you can impinge the Terms and Conditions correctly and make it right for the customers.
Product: Credit card

I am writing to formally dispute an unauthorized inquiry that appears on my credit report. Upon reviewing my credit report, I noticed an inquiry that I did not authorize or recognize. 
Details of the unauthorized inquiry are as follows : Creditor Name : XXXX Inquiry Date : XX/XX/XXXX Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Creditor Name : XXXX XXXX Inquiry XXXX : XX/XX/XXXX Creditor Name : XXXX Inquiry XXXX : XX/XX/XXXX Creditor Name : XXXX XXXX Inquiry Date XXXX XX/XX/XXXX Creditor Name : XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX Name : XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Creditor Name : XXXX Inquiry Date : XX/XX/XXXX Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Creditor Name : XXXX XXXX XXXXXXXX XXXX Inquiry Date : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Creditor Name : XXXX XXXXXXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX I have not applied for any credit or services with the mentioned creditor on the stated date, and I believe this inquiry was made without my consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX, IL XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX, XXXX XXXX Balance : {$180.00}, XXXX XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$750.00}, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX , XXXX XXXX XXXX, XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

DBA XXXX XXXX XXXX {$460.00} DBA XXXX XXXX XXXX {$300.00} You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) &  Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
Please be advised this is against F.C.R.A. law and is a violation of my rights.. 

I challenge the accuracy, compliance and reportability of these listings. 
The negative marks are inaccurate. There is no contract or valid claimdebt was settled with original creditor I want these accounts removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my complaint for you to know that I am a victims of identity theft. Based on FCRA Section 605B, it was the responsibility of the 3 credit bureaus to eliminate those items which does not belongs to the owner. I was a casualty of savage wrongdoing. I'm not liable for this account. Please provide all verifiable documents from this company, if not please remove them asap : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX AR XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$5900.00} ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$3200.00} ; XXXX XXXX XXXX XXXXXXXX Balance Owed : {$5900.00} ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$3200.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX  XXXX XXXX XXXX Balance Owed : {$3200.00} ; XXXX  XX/XX/.
Product: Checking or savings account

I filed a dispute with Chime due to an unauthorized charge for {$280.00} with XXXX XXXX on my debit card which I reported immediately after noticing the charge and reporting my card holder/wallet lost. The dispute was officially filed Thursday, XX/XX/XXXX at XXXX which I spoke to the disputes representative and provided the required details about the transaction such as when did I notice the card was missing, when did I last use the physical card, etc. Chime got back to me the next day Friday, XX/XX/XXXX at XXXX stating that no error occurred with the charge and the claim was closed. I then contacted them requesting the documents/ evidence used to determine their cause. They did get back to me with the " documents '' they used to determine their claim and everything was inaccurately filed in by the dispute representative such as them stating " none '' when asking if any personal belongings such as my wallet was lost/stolen. When speaking to the disputes representative prior, clearly stated that my cardholder/ wallet was lost. I believe the representative purposely put the wrong information into the claim form for reasons unknown to me and I wish Chime 's quality assurance team, if there is one, would listen to the intake call for claim ID XXXX so they can hear my original answers to the dispute questions. I am very confused and frustrated with the carelessness of this bank 's lack of customer service and inability to make their consumers feel protected. 

This bank did no research whatsoever to determine my claim and was very unhelpful in helping their customer feel safe and protected. I have also attached copies of emails to and from my communication with Chime about this issue.
Product: Checking or savings account

Kabbage emailed a targeted promotion to my email address ( XXXX ) offering a {$300.00} cash bonus when completing the following requirements : 1. Open a new Kabbage business checking and make a deposit 2. Complete a miminum of five qualifying debit purchases 3. Wait up to 8 weeks for bonus to post These requirements were completed in XXXX. After many, many hours waiting on hold with Kabbage, they verbally confirmed the bonus was pending and should have already posted, but they were having " backend technical issues. '' They promised me the {$300.00} bonus would post by the first week of XXXX. 

Nothing ever happened. Multiple emails to customer service went unanswered. Secure messages from within the account went unanswered. When you call the posted customer service phone number, after waiting on hold for 1-2 hours, the system automatically ends the call. It's the worst, most disorganized mess of a bank. I've read hundreds of similar complaints online. Kabbage eventually made the {$300.00} checking account bonus available to everyone, and I suspect that they were completely unprepared to handle the customer service requests resulting from this bonus offer. 

I never received the {$300.00} bonus. Kabbage is also withholding {$51.00} of my own deposits. To this day I can not get anybody on the phone to close the account or withdraw my funds.
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 : 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 : Accounts : XXXX XXXX XXXX XXXX XXXX XXXX INQUIRY : XXXX XXXX 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 XXXX 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: Prepaid card

The product is a virtual AMEX eGift card that was given to me by a business for completing some tests. It has a {$200.00} balance. 

XX/XX/XXXX - Tried to use the card to refill my XXXX gift card balance on the XXXX site ( failed )- {$200.00} XX/XX/XXXX - Tried to use the card to purchase a gift card at XXXX XXXX ( failed )- {$200.00} XX/XX/XXXX - Tried to use the card at XXXX to purchase a physical XXXX gift card ( failed after initially being accepted )- {$200.00} XX/XX/XXXX - Tried to use the card to pay for my termite inspection balance with XXXX XXXX ( {$200.00} applied to the balance - card failed/declined ). 

The card currently has {$200.00} balance, but I can't use it on anything.