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

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate accounts in my file. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

As part of the Chase XXXX card benefits, there is a XXXX time reimbursement for charges incurred at a lounge that is part of the priority pass offering. 

On XX/XX/2024, at XXXX XXXX XXXX XXXX, I used the chase sapphire reserved to pay for lounge access at the " XXXX XXXX '' for {$57.00}. This lounge is part of the XXXX XXXX offering. 

However when I call the chase customer benefits line to redeem this benefit, it was submitted and denied multiple times in XXXX. 

First they say that because it is categorized as a " Department Store '' that it is not covered. And then the second time they claimed that it was denied because it is listed as " XXXX XXXX XXXX '' As a customer, I have no control over how Chase or the vendors l categorizes these transactions. When I submitted the claim a second time, sent photo receipts of my purchase through the chase " secure messages '' portal as I was advised to do so by XXXX of their representatives over the phone. 

I believe this is a mistake because even so the photo evidence, my benefits are not honored and there is no formal way to appeal this with photo prove.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent in several dispute letters that these accounts are not validated and theres no proof of my signed signature on the documents and no valid proof these accounts belong to me I sent in several dispute letters of removal these accounts werent investigated properly
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. 


I told XXXX, Transunion, and XXXX to reinvestigate these accounts : XXXX XXXX acct # XXXX, XXXX XXXX # XXXX, XXXX XXXX acct # XXXX, XXXX XXXX  XXXX, XXXX acct # XXXX, XXXX XXXX acct # XXXX, XXXX XXXX acct # XXXX, XXXX acct # XXXX. 
However, they stated everything was complete 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 accounts that aren't reporting correctly. AS WELL AS THE ACCTS DONT BELONG TO ME 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. PLEASE REMOVE FROM MY ACCT
Product: Debt collection

Bridgecrest falsely reports a debt for {$16000.00} from XX/XX/XXXX to XX/XX/XXXX have received threatening letters and phone calls from the debt collector
Product: Debt collection

In XXXX we sold our home in XXXX Ca. The mortgage company said they would give us a no interest loan for the difference in the selling price of our home. We agreed to do it as I didn't want to jump on the foreclosure bandwagon, that was happening at that time. Another reason I agree is there was no advisory language in the agreement, which meant to me that this would not be reported to any collection agency. The money amount on the Promissory notice is different from the written amount. The payment for the note was {$1200.00}. I paid {$50000.00} on this note for my mortgage at XXXX XXXX XXXX. Then I lost my job after 34 years. XXXX went out of business in the real estate scandals that went on in XXXX. They sold the note to Dyck-O'neal, I contacted them in XXXX and told them about losing my job and offer a settlement after many emails I finally received a response and their answer was no, they would not except my offer. I went to an attorney  and showed him the note and explained that was a note regarding my mortgage and I was told by the attorney that this note was illegal for many reason and that it was being report incorrectly, it was being reported as an account when it was actually a mortgage loan. I fought for years with Dyck O'neal in XXXX they sent me a notice saying that the debt is unenforceable due to the expiration of the applicable statute limitations. My husband was employed throughout this fiasco, I ask Dyck-O'neal on several occasions to take this to court so we could deal with it legally, they choose not to do it. I believe it's because they knew this was an unenforceable agreement. I am in the process of buying solar for my home and because of their derogatory mark on my credit and my Husband XXXX XXXX credit it is stopping us from purchasing it. I have written to the Credit Bureaus disputing this account and they will not remove it because Dyck-O'neal keeps saying its a debt owed to them. Our credit is perfect no missed payments, no collections, the only mark we have is for a contract that is unenforceable.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution proces : was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit card or prepaid card

RETALIATION. My credit card issuer retaliated against me by closing my credit card account because I disputed an unauthorized charge.
Product: Credit reporting or other personal consumer reports

These are not my accounts. I have no knowledge of this account. 15 USC 1681b
Product: Credit reporting or other personal consumer reports

I have requested my inquiries be removed from my XXXX XXXX XXXX and transunion report to date still has not been successful. I have tried everything but it is being ignored.
Product: Checking or savings account

When I make a purchase with my Wells Fargo debit card sometimes they don't take it out right away. Until weeks later and that confuses me. 
I have been charged over draft fees when I know I had money in my account. 
I get fees even though I use my debit card more then 10 times
Product: Credit card

For two weeks now, I have been unable to access my account information on Chase 's partner environment ( Amazon ). 

I attempted to reach out to both Chase and Amazon. Neither side understands the problem nor is willing to solve this issue. Chase customer service response to this problem misses the key problem. I will reiterate the problem statement here. 

The problem statement is " We're unable to verify your account with Chase right now. Please try again. If issues persist, contact Chase for assistance. '' I have been encountering this issue every day for two weeks.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. Equifax failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This letter serves as a formal notice and demand for the immediate removal of fraudulent accounts and inquiries from my credit report. I am a victim of identity theft, as authorized under 15 U.S.C. 1681c-2 ( a ), and I invoke my rights under the Fair Credit Reporting Act ( FCRA ) to have these fraudulent items permanently removed.

The following fraudulent accounts and inquiries have been identified as a result of unauthorized activity : Accounts -XXXX XXXX  Account Number XXXX Date Opened : XX/XX/XXXX. 
XXXX XXXX  Account Number XXXX Date Opened : XX/XX/XXXX Inquiries XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Supporting Documentation I have included the following evidence to support my claim : 1.FTC Identity Theft Report : Detailing the fraudulent activity and confirming my identity theft case.

2.Proof of Identity : A copy of my government-issued ID and a utility bill confirming my address.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 2nd complaint regarding these inaccurate accounts on my credit report. I wasn't notified if these accounts were verified or not. Please investigate this existing issue and remove these inaccurate accounts from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX and XX/XX/2022, I mailed dispute forms to Equifax, XXXX, and XXXX along with a copy of my valid ID, social security card and a utility statement. In my letter I requested correction of my personal information as well as accounts with ownership and reporting errors. ( Please see attached letter and dispute form. ) The three credit reporting agencies did nothing to verify, remove, correct or update to the correct information provided.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXXXXXX # XXXX has violated my rights.
Product: Credit reporting or other personal consumer reports

I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have XXXX business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 

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
Product: Credit reporting or other personal consumer reports

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 XXXXXXXX XX/XX/year>
Product: Student loan

I made a settlement with the student loan company for my old student loans from 30 years ago.

I paid them and they told me I owed nothing to the student loan department.

I have watched my credit report and paid all my debts on time and had a good credit report, only to see it drop 40 points one day.

I looked into it and found it was the federal perkins loan department ( ECSI ) saying i did not pay them {$900.00}.

This is unfair as I have not heard from them in 5 years.

Knowing I paid my debts with the student loan company if there was anything outstanding with the government, they would know.

Help me please, I want this off my credit as it's unfair to put it on without contacting me in the last 5 years.

I also don't see why I have to pay it if I was told by the federal government i owe nothing in XX/XX/2018.
Product: Mortgage

Our home was damaged by XXXX XXXX. Our insurance money goes into escrow with Homepoint Financial. We have submitted photos of work completed and previously received reimbursement for work we have had to pay immediately to contractors. Now the mortgage company wants an inspection. We understand ; after making the request for inspection in late XXXX and speaking to many Homepoint agents including XXXX, XXXX, XXXX, XXXX, and XXXX. The initial request was not made or documented by Homepoint according to XXXX. Once made, we never got a confirmation for inspection. We need our funds because contractors must be paid and we have exhausted credit cards, pension funds, and our sons ' college funds trying to cover rebuilding costs because Homepoint will not address this issue to inspect and provide escrow funds.
Product: Credit card

XXXX regular ep payment from my credit union. In XXXX, XXXX I did e-check and paid entire balance and asked for acct. to be closed and did not want to receive any card. Upon checking my acct XXXX, ep of {XXXX interest charge by Wells Fargo on my closed acct. Informed me that interest charge on XXXX XXXX! XXXX paid in full on XXXX. XXXX  ; no mention that day interest charges on XXXX, XXXX. So Interest is paid and I asked for this acct to be finally closed, then comes a fraudulent info tracer charge of XXXX since XXXX XXXX ; it was fraud, but i paid it and asked for acct to be finally closed. I received a letter today, XXXX XXXX from Wells Fargo stating they opened a new account for me and put those fraudulent charges on my new account. I never authorized opening a new acct. Those fraud charges were already paid, how can Wells Fargo do this? I want to be rid of WF for good!
Product: Credit reporting or other personal consumer reports

I am reaching out to address an issue regarding an account that appears to be erroneously linked to me as an authorized user. In light of this, I am exercising my rights under the Fair Credit Billing Act ( FCBA ) to demand a comprehensive investigation into this matter. 

Account Information : XXXX Account Number : XXXX Reason : Please Explain how youre reporting a Balance and past due amount on a closed/Charge-Off account.

Instruction : Please delete due to a violation of 15 U.S. Code 1692g - Validation of debts I request a detailed record of all transactions related to this account, encompassing charges, payments, and any adjustments. Access to this information is essential for confirming the inaccuracy of the account 's reported association with my financial identity. 

If you are unable to provide the necessary documentation within 30 days of receiving this letter, I respectfully request that this account be removed from my credit reports with all reporting agencies. Such a measure is in line with your duty to ensure the accuracy of reported credit information. 

Thank you for your immediate attention to this request. I am eager to see this issue resolved swiftly and am hopeful for your prompt cooperation. 

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

I am respectfully requesting the Credit Boroughs in accordance with The Fair Credit Reporting Act, please correct and update their records to reflect my correct information.
Product: Credit card or prepaid card

XXXX XXXX card - A convenience check was fraudulently used on my account on XX/XX/XXXX in the amount of {$1500.00}. Also on XX/XX/XXXX XXXX XXXX master card fraudulently charged on my account {$60.00} as a transfer fee. 

My account did not have a balance at the time of these fraudulent charges. On XX/XX/XXXX I was notified I had a payment past due on the account. Prior to these fraudulent charges my balance was XXXX {$0.00}. XXXX XXXX charged me a late fee for not making a payment on these fraudulent charges in the amount of {$29.00}. On XX/XX/XXXX they also put a minimum charge of XXXX on my account for nothing. I have not used this credit card. 

XXXX XXXX has credited back the {$1500.00} but refuses to credit the balance transfer fee of {$60.00} and the late payment fee of {$29.00}, both of which are due to the fraudulent charge of {$1500.00} as well as a charge for XXXX XXXX  ( XXXX ), listed as a minimum charge, I don't know what this minimum charge is for. I have not used this credit card wince XXXX XXXX XXXXXXXX. 

XXXX airlines calls me and harrasses me more than 5 times every single day to tell me that I am past due and I need to make a payment for these fraudulent charges. 

I want XXXX airlines to credit back all of the charges made on my account that are associated with these fraudulent charges as well as the XXXX XXXX  they charged on my card as a minimum charge. After they have done that I want this account closed.
Product: Mortgage

I have been trying to get help with a loan modification with mr Cooper mortgage. I have a letter that states I am a successor of interest for the property & im being told unless I have legal documentation showing Im taking ownership of the property it wont be approved. From my understanding & reading online, a successor of interest has the same rights as the original borrower of the loan & that I should be allowed to get a modification.
Product: Credit reporting or other personal consumer reports

Today, I am writing this complaint to JPMCB AUTO regarding the incorrect information on my account. I sent them a letter requesting for investigation of those account mentioned, they took more than 30 days to complete and they stated that they have completed the investigation. However when I pull my recent report I don't see any changes made at all. They claimed that they verified the information but how come that it is verified when the date of last activity, date opened, date of last report. payment history and status are inaccurate? This is not right. I understand my rights under 15 U.S.C 1681 section 602 A which states that I have the right to privacy and 15 U.S.C 1681 section 604 A Section 2.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the XXXX Credit Bureaus to discard this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT XXXX and I'm including it again. Please make sure to correct or delete the following items that are harming my credit XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent reports to all three credit bureaus three times and explained to them that my name is reported incorrectly. Here 's the list of inquiries : Item 1 : My name is not correct on my credit file. The correct name is XXXX XXXX XXXX Please remove 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. Please correct the information that is on my report because it is incorrect. 

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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX not authorize or open any new account with this vendor. 

Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

Thank you for your time and help in this matter.
Product: Checking or savings account

My card is supposed to be set to decline if funds are low. I made a transaction to another account because my account said I had available funds at the time, because their system is slow to update. They charged seven overdraft fees totaling over {$170.00} for {$35.00} each for the same transaction.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX, a federally protected consumer, and I am making this complaint against Affirm, for committing identity theft. I have never given Affirm, any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. Let alone put it on my credit report 4 times. This is fraud. I am aware that in accordance with Article XXXX, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 U.S. Code 1692e ( 12 ) .I have not validated any alleged debt with Affirm and my failure to dispute the validity of these alleged debts shall not be construed as an admission of liability. As of XX/XX/2022, I have not received any documentary evidence, such as a trilateral contract, giving Affirm any right to collect on this alleged debt.I have never received any documentation requesting validation from Affirm, before they committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer report, including but not limited to 15 U.S. Code 1692d ( 4 ) which the FTC defines as debt parking. XXXX also is in violation due to the fact that my credit reports should be accurate across the board. If Affirm, can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing it on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation.I am legally refusing to pay this debt pursuant to 15 U.S. Code 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until Affirm, can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and Affirm, continues its collection efforts, I will file for litigation for actual damages caused and Affirm, will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required. Affirm has reported this 4 times on my credit report and it is a direct violation of my rights according to the FCRA