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

XX/XX/23 a hard credit inquiry was sent to XXXX from SYNCB/Lowes. I did not apply to anything from that place ever.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX XXXX SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ATTENTION XXXX DEPARTMENT TODAYS DATE : XXXX/XXXX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I 've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXX closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I 've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much XXXX  which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Product: Checking or savings account

I've disputed with CHIME that my debit checking account is still active and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and i just wanted to update the email/phone number used and i complied with what they wanted and that was pictures of my S.S. # card and driver 's license along with a utility bill and a picture of myself with another paper stating the time date and my name with my holding the paper while taking a picture of myself. and didn't even get a response the last four of my chickening account with chime is XXXX i still have {$390.00} on the account that i really need
Product: Mortgage

On XXXX XX/XX/2020 I researched refinancing a home loan with Quicken Rocket Mortgage. After submitting all of my data, only then do they notify me that the product is not currently available. This is an unfair and abusive way to collect consumer data. Once I typed in the loan details, they should have immediately included a prompt the loan type is not currently available.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX has a debt listed my credit reports ( TransUnion-XXXX-XXXX  ) in the amount of {$550.00} that was placed on my credit reports. They have the Address listed as XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX MN XXXX Phone Number XXXX The Collections Company XXXX XXXX XXXX is not listed when searched on XXXX or internet. There is a XXXX XXXX XXXX listed and they said they have no record of this account. I contacted the phone number and it is a automated system. I have filed a complaint on this company with the Consumer Protection Bureau ( XXXX ) I would like this collection debt removed from my credit reports because they are not mine and are not valid- I dispute this account
Product: Mortgage

Bank of America has not responded to me in regards to my current situation. I have sent Bank of America a contract ( see attachment ) to sell my property as I want to avoid foreclosure. The title company has faxed the contract over to Bank of America and also has not received a response. Please help.
Product: Debt collection

I have emailed and mailed a copy of my Bankruptcy discharge to Capital One numerous of times in XX/XX/XXXX for the amount of XXXX which was included in my Bankruptcy discharge. Capital One has acknowledged recievment of the document, but its still listed on my account. I would like this information deleted from my credit report as it is not accurate. 

I will be escalating this matter further! 

A creditor is not allowed BY LAW to continue punish you after a legal discharge of the debt. Capital one is in violation of the FCRA by reporting a balance other than XXXX dollars to the credit bureau. This matter needs to be address immediately. This Bankruptcy was filed in XX/XX/XXXX, why am I still dealing with this issue???
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second time contacting you about a IDENTITY THEFT issue that was not handled. 
I am a Victim of Identity Theft from XXXX Data Breach. MY CLAIM NUMBER IS - XXXX. There is information that on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be, PERMANENTLY DELETED FROM MY CREDIT REPORT. 

My request to DELETE PERMANENTLY THE FRAUDULENT ITEMS FROM MY CREDIT REPORT is not being made in error ; nor is it being made on the basis of a material misrepresentation of fact by me relevant to the request to delete the identified transactions. The identified transactions are not information related to any transaction by me as the consumer they are : THESE ADDRESS ARE NOT MINES- XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX, XXXX XXXX GA XXXX A copy of my disputes, the ADDRESSES AND FRAUDULENT ITEMS ARE screen shoted so theres no confusion about the accounts, addresses & companies that I am disputing. 

I HAVE BEEN TRYING TO DELETE THIS ADDRESS AND YOU ALL WONT LET ME DUE TO THEM BEING CONNECTED TO FRAUDULENT ACCOUNTS THAT WAS OPENED. *** MAKE SURE THAT MY CREDIT REPORT IS NOT **FROZEN OR LOCKED- NOR HAVE A FRAUD ALERT ON IT** PLEASE SEND ME A FULL DETAILED READING OF MY PERSONAL CREDIT REPORT SO I CAN KEEP AN I ON MY CREDIT. 

I DONT WORK AT EMPLOYER- XXXX XXXX XXXX XXXX XXXX XXXX I WORK AT XXXX XXXX MAKE SURE THAT MY CREDIT REPORT IS NOT **FROZEN OR LOCKED- NOR HAVE A FRAUD ALERT ON IT** I By law, Part of my Compensation approves, Four years of specially negotiated, three-bureau credit monitoring and identity protection services through XXXX and an additional six years of one-bureau credit monitoring and identity protection services through XXXX. The XXXX monitoring has a comparable retail value of {$24.00} per month and has a number of features that are typically not available in free credit monitoring services offered to the public. ( App. 6, 33-43 ). The one-bureau credit monitoring shall be provided separately by XXXX and not paid for from the settlement. 
A copy of section 605B of the Fair Credit Reporting Act, which requires you to DELETE the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.

I appreciate your prompt attention to this matter, and await your reply.
Product: Vehicle loan or lease

On XX/XX/XXXX, I took my XXXX XXXX XXXX financed through Chrysler Capital to XXXX XXXX XXXX for a trade-in on a newer Jeep. 
On XX/XX/XXXX, my wife contacted Chrysler Capital at XXXX XXXX  to inquire why the account for the XXXX XXXX XXXX financed with Chrysler Capital had NOT been paid-off. Representative XXXX claimed the {$21000.00} check from XXXX XXXX XXXX never arrived ; said representative claimed an investigation would be launched. Later during that phone call with same representative, we were informed that an amount of $ XXXX was credited to the account and the pay-off came from XXXX XXXX. Upon further insistence, XXXX transferred the call to a supervisor by the name of XXXX XXXX. Mr. XXXX did not believe XXXX XXXX XXXX had, in fact, remitted the payoff check to Chrysler Capital and requested a copy of said check but refused to contact XXXX XXXX XXXX directly. My wife, while still on the phone with Mr. XXXX, drove TO XXXX XXXX XXXX and had the finance department verify by way of a fax sent to Chrysler Capital, that the check for the payoff on the XXXX XXXX XXXX had, in fact, been remitted by way of XXXX on XX/XX/XXXX at XXXX. Mr. XXXX, upon hearing that, authorized a reversal of the incorrectly applied $ XXXX to my account and we were told, once the XXXX XXXX XXXX 's check was located, my account would be settled and closed. 
On XX/XX/XXXX at XXXX XXXX, my account is still showing a balance of over $ XXXX. We call Chrysler Capital again and request this now be escalated to corporate. We are told, the check has not been delivered. Again, XXXX XXXX gave us a copy of the XXXX delivery on that check to Chrysler Capital, signed by a XXXX  XXXX. 
On XX/XX/XXXX, a XXXX from Chrysler Capital corporate office ( so he claims ) calls to request the contact information for XXXX XXXX XXXX and states he will be requesting a new check for the payoff as well as a stop payment on the original. He furthermore stated this would all be resolved the week of XX/XX/XXXX. 
On XX/XX/XXXX, my account with Chrysler Capital is STILL showing a balance of over $ XXXX.
Product: Credit reporting or other personal consumer reports

I am formally contesting any inaccurate or undocumented information found in my credit report. This includes unverified claims, which I challenge under the FCRA and the accepted STANDARD of metro 2 data field reporting. The alleged delinquency and inquiries lack factual proof, and it is inappropriate to report claims known or should be known to be unlawful. 
I hereby notify you to ensure the accuracy of all your claims, as mandated by the Metro 2 reporting standard. 

Listed below are the Personal Information that are being challenged Incorrect DOB : - XXXX, XX/XX/XXXX Listed below are the Accounts that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I respectfully ask for tangible proof to support the account 's legitimacy and allowable use. If there is not enough evidence, I anticipate that the account in question will be deleted from the report. I give you permission to email me an updated credit report and hard copies of the paperwork you took.
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. 

Last XXXX of XXXX RE : XXXX TO WHOM IT MAY CONCERN XXXX : I am responding to your contact about a debt you are trying to collect. You contacted me by phone on XX/XX/2023 and identified this alleged debt. PLEASE PROVIDE PROOF OF CHARGE OFF/ The following account was charged off as of ( XXXX ) Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history which to my understand charged off accounts should NOT include an active payment history. Need I remind you this also falsely manipulates the statute of limitations. I am demanding a deletion of the following account. Please supply the information below so that I have all information : The name and address of the creditor to whom the debt is currently owed, the account number used by that creditor, and the amount owed. If this debt started with a different creditor, provide the name and address of the original creditor, the account number used by that creditor, and the amount owed to that creditor at the time it was transferred. When you identify the original creditor, please provide any other name by which I might know them, if that is different from the official name. In addition, tell me when the current creditor obtained the debt and who the current creditor obtained it from. Provide verification and documentation that there is a valid basis for claiming that I must pay the debt to the current creditor. For example, can you provide a copy of the written agreement that created my original requirement to pay? If you are asking that I pay a debt that somebody else is or was required to pay, identify that person. Provide verification and documentation about why this is a debt that I must pay. The amount and age of the debt, including : A copy of the last billing statement sent to me by the original creditor. State the amount of the debt when you obtained it, and when that was
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Date opened : XX/XX/XXXX Account : XXXX Status : XX/XX/XXXX paid. 
Im hurting to have these hard inquiries on my credit report Im not able purchase property because of this Ive been trying to hard to do right with my credit to be traumatized to see this I would like this hard inquiry removed I see no use of it on my credit report
Product: Student loan

I have been working with FedLoan Servicing since XX/XX/XXXX to calculate a reasonable repayment plan for my student loans that total {$120000.00}. FedLoan has insisted that through an IDR plan I should be able to make a monthly payment of anywhere from {$1200.00} a month to {$700.00} a month - this is unreasonable. It is pertinent to know that my loans were consolidated in XX/XX/XXXX. This recent fall I worked with XXXX XXXX to better understand my repayment options with FedLoan. XXXX XXXX has indicated that it is best to use an IBR plan, which was never suggested by FedLoan, to make a monthly payment of {$270.00} a month. This is a reasonable payment. I submitted the paperwork for the IBR in XX/XX/XXXX and did not hear back from FedLoan in the time period they stated they would share the results. I contacted FedLoan on XX/XX/XXXX to learn that I was expected to pay a {$5.00} fee to opt out of the IDR plan to be considered for the IBR plan, which was not communicated to me, but I was informed that this requirement was stated on page 6 of the application in small, light gray font - nefarious. Yesterday, XX/XX/XXXX, I received notification that my IBR plan is two monthly payments of {$270.00} and {$450.00} a month and now my loans are no longer consolidated. There is DLSCNS loan program and a DLUCNS loan program now on my account - none of which has been explained to me. II also want to note that I am not able to download documents previous to XXXX as FedLoan has made the documents unavailable in my FedLoan inbox. I need help working with FedLoan to get to a monthly payment that I can afford. I have been XXXX  in XXXX XXXX XXXX  for XXXX  years, I have made many attempts to work with FedLoan to make reasonable monthly payments with no success.
Product: Money transfer, virtual currency, or money service

The Company is Coinbase. I made a deposit of {$7000.00} on XX/XX/2022. 
They require 5-6 days to have access to the funds. The waiting period has been fulfilled. They are now restricting my account because they said an additional {$7000.00} Deposit was attempted but funds were not available. I requested they disregard that deposit as clearly it was unintentional and a double entry error. They would not clear the error and said the amount needed to be satisfied to clear the restriction. I deposited a second {$7000.00} to clear it up and they are now still restricting access to the funds. They will not let me speak with someone on the phone and will only communicate by chat on their website. They will not provide an email to someone, as I would like proper documentation of our correspondence. The only name I have is the chat person who goes by " XXXX ''. I'm not joking.
Product: Credit reporting or other personal consumer reports

Hard inquiries XXXX XXXX XXXXquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX  XXXX XXXX  XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX on XX/XX/XXXX On record until XX/XX/XXXXXXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX
Product: Debt collection

hi my name XXXX XXXX XXXX i wan to complain a company nam erc LLc on XXXXi have pay the collector amount XXXX dollar and. erc LLc toll me they will removall my collection of my credit report. now i pay them they tell me now they cant take of my credit report this is not good .to day XXXX i call again they toll me they not going to removal of my credit report sol today i add for help please there addrest is enhanced recovery LLc XXXX XXXX XXXX XXXX  fl XXXX XXXX XXXX XXXX to hepl me thank you
Product: Checking or savings account

I received a letter from Chase bank stating that all my accounts will be closed on XX/XX/XXXX. I have 1 saving, 2 checkings, 1 credit card, and my XXXX children XXXX years and XXXX  years also has an account. I have been with chase since XXXX and I have maintained a good standard with my credit card payment and have not missed a single payment. I have not in any way been involved in any form of fraud or illegal business. I have not exceeded my credit limit and I have maintained less than 10 % credit usage. I feel so bad that chase will wake up one day to close my account and that of my kids. I have been to their local branch for an explanation, but they could not give me any reason. I could the customer service and the agent I spoke with tells me that no one in chase back will ever tell me the reason for deciding to close my account and my kid 's account
Product: Credit reporting, credit repair services, or other personal consumer reports

I called Equifax approximately 2 months ago and disputed an error on my report. Equifax said it would take 30 to 60 days to investigate. At the end of their investigation they determined that I did not owe the debt. They removed the debt from my report. Days later I checked my report and they added the debt back but under a different company 's name. <P/>The debt I am referencing has been submitted by the company " XXXX XXXX XXXX ''. The original debtor is listed at XXXX XXXX in the amount of XXXX. I never owed XXXX XXXX any money and I verified this with XXXX XXXX and included this information in my original complaint. I do now owe this debt and would like if it was removed permanently. They did not verify this debt. In fact they verified I did not owe it when I first disputed the debt.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
XXXX XXXX Balance : {$1400.00} XXXX XXXX Balance : {$1500.00} XXXX  XXXX XXXX XXXX {$0.00} XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX {$2800.00} XXXX XXXX XXXX XXXX Balance : {$8400.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$930.00} XXXX XXXX XXXX XXXXXXXX Balance : {$710.00} XXXX XXXX  XXXX Balance : {$230.00} XXXX XXXX  XXXX Balance : {$4400.00} XXXX XXXX XXXXXXXX Balance : {$840.00} XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Mortgage

Brand new mortgage, first payment due XX/XX/2016. Payments are {$1100.00} a month. Made two {$600.00} payments in XXXX, none of which was applied to the XX/XX/XXXX payment despite the fact that both payments were made before the XX/XX/XXXX due date. Made inquiry and request to have the payments from XX/XX/XXXX applied, which they did. Was informed that they " do n't accept partial payments because their systems ca n't handle it ''. I was also told that if I make partial payments, they will likely not get applied to my account. I have received nothing from the servicing company, ever, much less anything stating this policy. My financier 's statement clearly states that partials will be held in a suspense account until enough is paid to cover a full payment.
Product: Checking or savings account

received XXXX XXXX card from the state of California. after setting up my transfer account and successfully testing a transfer of {$25.00}, everything worked. After increasing the initial transfer, i am greeted with an invalid error message. First attempt occurred on XX/XX/year>. attempted again on XX/XX/year> with the same error messaged. After reaching customer service, an agent informed me that there are no blocks or errors on my account and that all transfer should work fine. Agent recommended i attempt to submit a transfer via app, website or phone in a few days. XX/XX/year>, transfer issues continue and i called again. Spoke to 5 different agents and all stated that i need to visit a bank or withdraw from an ATM as i am unable to transfer money. When i asked what was the issue, they stated that there is no issue with transferring money on my account and they can not explain the error messages. I requested what banks can i go to without fees and the agents stated that there is no bank or ATM in my area. when asked how i can access the money, i was informed that i could reach out to my personal bank and pay fees to them and money network to transfer money out. Again i asked all 5 individuals how to withdraw without fees and all told me that there are free to access my money within 100 miles of my location ( I live withing 50 miles of XXXX XXXX and XXXX XXXX ). Issue is that i am unable to access my account funds without fees and the organization is unable to explain why my first transfer works but nothing afterwards. When asked if XXXX will waive the fees, they responded with no.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX All items listed above are reporting inaccurate on my credit report and balances, history, and open dates are all inaccurate and I request for these items to be blocked and removed immediately.