23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

I received additional documentation yesterday to support my previous dispute. I went onto experian website to upload the letters I received from the bank for my XXXX and XXXX credit card. The letter is date XXXX/XXXX/16 and is stating that the accounts were not paid late and the dergatory remarks to be removed and these XXXX accounts be listed in accounts in good standing on my credit report. I tried numerous times to upload the letters in support of my dispute and experian will not allow me to do so. I do know XXXX bank is going to contact experian and also submit the letter advising them to correct the incorrect information however I have been disputing this for months now and finally I substantial proof stating very clear that the accounts are not reporting correctly. Now experian tells me to send in the information. Here goes more of my time in making copies etc. I have spent numerous hours on the phone and time with this situation. I am complaining because this incorrect information is causing me a hardship in obtaining credit for a auto loan. Experian is very difficult. I do not understand why they will not let me re-dispute information again either. I was told they already disputed it and I am not able to re-dispute it again. Well this is unheard of as there are things reporting on there incorrectly and as I mentioned before it is causing me a hardship in obtaining credit.
Product: Credit card

A customer purchased a subscription with my company, XXXX XXXX XXXX  XXXX XXXX, received her product and then disputed the charge claiming she didn't receive services. She purchased the initial service on XX/XX/XXXX for {$490.00}, then when she renewed on XX/XX/XXXX for {$490.00}, 2 days later she requested refund after being provided services. Stripe the payment processor went through the dispute with me and she got her money back even though she received services. I called JP Morgan Chase, they didn't help at all.
Product: Mortgage

On XX/XX/XXXX, I received a text message from Veterans United Home Loans saying that I started my home loan process with them. I checked my email account and saw two emails from Veterans United Home Loans, one of which also stated that I started my home loan process. I contacted them immediately to tell them that I did not do anything with them and I am not in need of any home loans. They said that they believe someone who worked with Veterans United Home Loans got my information from the VA and put my information into the system. This is not ok, and I have no idea how far they are going to go with this or exactly how much of my information about me they took from the VA. This organization is not ethical and is possibly criminal and I am very concerned that they will start stealing more information from me to either sell to other parties or start processing loans with my information. Please help me stop them
Product: Mortgage

I have been requesting a loan modification from my bank Chase Bank for the past XXXX years and have been rejected each time. Their statement is that I can pay the mortgage even when I have presented them with documentation of my hardship. I am now resubmitting another request for a modification with Chase Bank.
Product: Credit reporting, credit repair services, 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 : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block 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. Here is the list of items which do not belong to me or were opened without my permission : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX Balance : {$250.00} XXXX XXXX XXXX Balance : {$160.00} XXXX XXXX Balance : {$1700.00} XXXX XXXX FIN XXXX Balance : {$400.00} XXXX  XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX ) XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Well Fargo XXXX  XXXX XXXX XXXX XXXX, TX XXXX Subject : Notice and Demand for settlement of Unauthorized Inquiry on Consumer Report under 15 U.S.C. 1681n Dear [ Wells Fargo Auto ], I am writing to notify you of unauthorized inquiries made on my consumer credit Reporting Act [ FCRA ], specifically under 15 U.S.C. 1681n. The FCRA protects consumers from unauthorized access to their credit reports, and I have identified that you made an inquiry without my authorization or a permissible purpose under the law. 
The unauthorized inquiry occurred as follows : .Inquiry
by : [ Wells Fargo Auto ] .Date of Inquiry : [ XXXX XXXXXXXX XXXX ] .Credit Reporting Agency XXXX XXXX XXXX ] Under 15 U.S.C . 1681n, any person or entity that willfully obtains a consumer report without a permissible purpose is liable for statutory damages, actual damages, punitive damages, and attorney 's fees. I demand that you immediately take the following actions : 1. Remove the unauthorized inquiry from my consumer credit report with all credit reporting agencies where this inquiry appears. 
XXXX. Provide me with a written statement verifying that you had no permissible purpose or authorization for accessing my credit report.

3. Settle this matter by compensating me in the amount of [ Specify Amount ] to avoid further legal action. 


I am providing you with a copy of my credit report, highlighting the unauthorized inquiry for your review. If I do not receive a satisfactory response within 30 days of receiving this letter, I will pursue legal action for damages as allowed under 15 U.S.C. 1681n, including actual damages, statutory damages of up to {$1000.00}, and punitive damages.

Please consider this notice a formal demand for the immediate resolution of this matter. Failure to respond or provide proof of permissible purpose may result in a lawsuit being filed against your company. 

I look forward to your prompt response. 

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

XX/XX/2022 I sent out a letter to the credit bureau Experian asking them to investigate my account to make sure my account was 100 % accurate. They received my certified letter XX/XX/2022. Here is the tracking number XXXX XXXX XXXX XXXX XXXX. XX/XX/2022 is when I received an email that my account status was ready. The credit bureaus said that my account was accurate I am very confused because my account has inaccurate account types, inaccurate date opened, inaccurate # of months, inaccurate high credit, inaccurate last reporting, inaccurate comments, inaccurate date last active, inaccurate date of last payment. The documents will confirm the inaccurate things that are highlighted yellow. This is grounds for removal. They violated my rights under 15 U.S.C 1681 section 602 A. States I have right to privacy 15 U.S.C 1681 section 604A section 2. States a consumer reporting agency can not furnish a account without my written instructions Another thing is they didnt use the time wisely to give a full investigation I have been trying to dispute many accounts with them for a while now and keep ending up with the same results. I still havent received my mailed updated credit report either as I asked in the letter regarding the investigation. 

XX/XX/2022 is when I placed a report to the cfpb to Experian for the inaccurate accounts and on XX/XX/2022 they responded back by confirming that the accounts was 100 % accurate and that they will not reinvestigated the accounts that are inaccurate unless I have proof of inaccuracies. Which I have shown them but they are choosing not to look into my accounts at all. The accounts still has inaccurate account types, inaccurate date opened, inaccurate # of months, inaccurate high credit, inaccurate last reporting, inaccurate comments, inaccurate date last active, inaccurate date of last payment. So how is it 100 % accurate if all of these are not matching up with the other credit bureaus? I have been disputing these accounts for months now and they are not properly looking into the accounts at all. The attachments below show that they are not doing there jobs at all.
Product: Debt collection

I am not aware of this debt and it is over a year old and closed out, but still shows as active on my credit report
Product: Checking or savings account

My son made purchases with out my consent and chase denied my claims because they were for gaming. Saying it was high risk.
Product: Debt collection

I recently discovered that I had a few accounts under my name that I myself had not opened. I only found out about them because I was continuously receiving calls about different accounts being sent to collection ( which at first I thought was just a scam call ). It wasn't until I went to apply for something and got denied that I finally went to check my credit score and noticed a significant decrease. I seen that a couple loans had been opened and sent to collection, and also that a credit card had also been opened and is on its way to collection with a past due and over limit balance. I have filed with identitytheft.gov and have tried explaining to the companies the situation to no avail. I am not sure who or how my information was acquired, and have limited info on the dates accounts were opened. I do have the current amounts as listed below : -XXXX {$1500.00} -XXXX  XXXX  {$440.00} XXXX XXXX XXXX XXXX XXXX  {$690.00}
Product: Checking or savings account

On XX/XX/2021 I went to a no fee XXXX XXXX XXXX  ATM Machine '' which is also a XXXX XXXX XXXX ATM, which doesn't charge fees by using a bank card, but my bank First Citizens Bank decided to wait until XX/XX/2021 to charge me {$2.00} for using an out of network ATM, but the ATM I used doesnt charge fees, so by federal law a bank nor credit union can either! Plus, First Citizens Bank charged me {$17.00} something they aren't showing on my bank statement same day of XX/XX/2021 is when I paid {$39.00} to XXXX XXXX XXXX whom messed up my debit card so I couldn't get my XXXX Benefits in XXXX.
Product: Checking or savings account

XX/XX/year>, opened a Smart Advantage checking account w/BMO Harris. 

XX/XX/year>, linked an external US-based checking account to the SA checking account. Micro transfers were received and verified. 

XX/XX/year> : initiated and successfully completed a {$1000.00} transfer from the external account to the SA account XX/XX/year> : attempted to initiate additional transfers and ALL OF THEM WERE DENIED/RESTRICTED/CANCELLED. 

XX/XX/year> : I called the XXXX fraud department 8 times and not a single person could resolve the issue. They claim that there are NO RESTRICTIONS on the account. 

All BMO staff have repeatedly tried to blame the issue on the external bank, XXXX XXXX  ; XXXX XXXX  has no record of the BMO transfer requests. 

I've spent a solid 3 hours trying to talk to staff and get this resolved ; the only thing I want to do is close this account but now BMO wants to charge me {$50.00} to excape their shoddy online banking system.
Product: Credit reporting or other personal consumer reports

Despite previous disputes filed with XXXX and Equifax ( on dates provided ) under FCRA XXXX for identity theft accounts ( XXXX XXXX XXXX XXXX, these accounts remain on my report. Despite FTC identity theft filings and all required documentation, the bureaus failed to meet their obligations to investigate thoroughly and delete fraudulent accounts. This negligence is in direct violation of FCRA 611, which mandates the removal of unverifiable or inaccurate information. I have faced financial and emotional distress due to their inaction, including denied credit opportunities. Immediate rectification is necessary to prevent further harm. 

I am requesting immediate action to investigate these failures, enforce the removal of the accounts, and hold the credit bureaus accountable for not complying with consumer protection laws.
Product: Debt collection

Identify was stolen I provided XXXX  XXXX  XXXX  with the police report. XXXX XXXX XXXX   verified that they received the report and would remove the charge off. The credit agencies are still showing the charge off.
Product: Credit reporting or other personal consumer reports

XX/XX/year> I received an alert XXXX had obtained my credit report. I contacted XXXX and stated to the representative I had not applied for credit with the organization. Representative stated I needed to send a letter disputing the inquiry. Letter was sent XX/XX/year>. Response received from XXXX XX/XX/year> and stated I applied for credit or a credit limit increase and the inquiry will remain on my file for XXXX years. Stated I would need to dispute with Experian. I can not dispute with Experian unless I send a letter and they will prolong removal.
Product: Mortgage

I have XXXX  XXXX  XXXX as my mortgage bank and they sold my mortgage to a shellpoint mortgage Services this company is claiming I im behind in my payments but they don't gave me any prove of the month I im missing every year XXXX XXXX XXXX rise my mortgage saying some kind of adjustment on my scrow that is why my mortgage payment when from XXXX to XXXX but they still claimed I behind this mortgage company is all ready sending me an amount of {$6000.00} I don't know that they are talking about but all ready talking about foreclosure I don't want to Loose my house because of this peoples lies and they all ready send me a a paper saying how much I will pay for every paper or any thing they do with this procese
Product: Credit reporting, credit repair services, 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 twice XXXX XXXX XXXX XXXX  attorney general XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX same with the inquires all the accounts are not mine
Product: Debt collection

I took my son to ER on XX/XX/XXXX. His first name is my middle name and his middle name is my first name. basically same. He has full Medicaid. Not sure why we got billed, {$300.00}. actually received a bill sometime in XXXX and when tried to give the insurance they could not find the account ( the hospital billing department over the online account search ). So then I figured this is an out of state network provider. Received a bill and tried to open online to update the insurance and could not find an account. Name was misspelled, dates of birth wrong, no Social number. Could not find an account. Now, on XX/XX/XXXX I received a collections letter and before I have time to go through it, I see on my credit report it is a collections reported. I call first the clinic that I supposedly owe money, and give my info and they said we don't have anything under your name. I give then, my child info and they say that yes, there is a balance due and it was sent to wakefield and assoc. for collections. I tell them my child had and has Medicaid. They gave me in the end an email where to send a proof of insurance. I called up the insurance and they said instead they will file a grievance. I then called up the collections and told them the story but the person on the line didn't seem to understand me and my spouse and kept saying it is better to pay because i see the insurance already paid a part. They don't understand that it is my son not me, and he has Medicaid. So they also said, they send an update to credit bureaus each Monday and if I paid next Monday they will send and update and delete it from the report. I paid, did not get a receipt of payment. They also charged {$6.00} fee. I did not approve all this time that this is my medical bill. I just paid to get rid of the report as per what they said. I then tried to call this collections company about the update they promised to take off the report, and no number is being answered, I am being sent to leave a voicemail. All this time, I did not have an option where to give the insurance number to anyone. Just to pay. Seems that a child having Medicaid can be billed. 
My grievance is in the works with the insurance but I feel I was misled by the collections in the way they handled and then not give me a written proof of what they said over the phone or answer my call to talk to a live person.
Product: Payday loan, title loan, personal loan, or advance loan

Affirm is denying me an installment loan because back in XXXX I created an installment loan for an item that I was supposed to receive. I had made all of the payments on the loan however again I never received the item that I ordered. I in turn disputed the charges with my credit card company and they reversed the charges. Affirm then put the remaining amount back on my account stating that I needed to pay them. I contacted them on XX/XX/23 and explained the situation to them and that I had never received the item I ordered. They opened a dispute and I never heard back from them. I later went back to check on the open dispute and it was closed. They have since sent the {$67.00} over to a collection agency ( XXXX ) and have put the negative information on my credit report with XXXX. 

Here is the response that I was provided at the time that the dispute was opened : Hello XXXX, Thank you for contacting Affirm in regards to your Shop Pay installments. 

I comprehend you are reaching out to us because you want to clarify some information about your XXXX XXXX account. I truly know how important it is for you, your satisfaction is my number one priority and I will be more than glad to assist you.

As I was reviewing some information, I see that the department in charge is still working on your case that means that you should be receiving a follow-up between XXXX to XXXX business days.
Product: Credit reporting or other personal consumer reports

I am disputing the inaccurate reporting of an XXXX account by the credit bureaus. Despite re-investigations, the bureaus continue to verify the account as accurate, even thought it was transferred and sold to a collection agency. The last updates were reported as follow : TransUnion and XXXX XX/XX/year>, and XXXX on XX/XX/year>. I believe this reporting does not comply with the Fair Credit Reporting Act ( FCRA ).
Product: Debt collection

I called the LVNV on XX/XX/2021, trying to figure out where the debt was coming from. I spoke with a representative who told me it was for XXXX XXXX, and I owed them XXXX dollars. I explained that that is incorrect, seeing as I have the final bill and I owed XXXX at the account closing time. She told me that my final bill was XXXX dollars, and we bickered back and forth. She asked if I wanted something verifying the mail 's debt, and I said yes : I have yet to receive anything In the mail. I reported them to XXXX, and somehow they verified the obligation to them, but not me. On XXXX, they moved the account from Open to Closed without any explanation, and also on XXXX, I was informed that the debt has yet to be valid. However, I have not received anything showing that I owe a debt to LVNV.
Product: Debt collection

XXXX XXXX XXXX {$2100.00}, I did not owe any debt or were in contract with mountain view crossing. 

Although I disputed this before, it remains on my credit report. Stating that it is valid. Where is the proof. 

i demand a copy of my signature for any service or contract!!! 

There isn't one. I simply do not understand this debt and owe nothing to XXXX XXXX XXXX. 

Must be removed as it is fraud. 
from Transunion and XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, I started the Exparian Boost after receiving several advertisement on the benefits of boosting your experian credit score.  on XX/XX/XXXX, my Experian score drop 23 points due to a faulty system. The system was not able to locate the automatic online payments through my connected financial institute ( XXXX ). The purpose of Experian Boost is to increase the consumer 's credit. I spoke with two Experian Credit Bureau customer service personnels and they collected the information and told me I have to wait 30 days or more to see a change on my credit. My Experian Credit score was 757 because using the Experian 's boost. Today, my score is XXXX. I am currently in the process of purchasing a home and the bureau refuses to fix the problem which is a failure of their faulty system.
Product: Checking or savings account

I have a checking account with Chime ( XXXX Bank ). Last Saturday XX/XX/17 I got an email that someone was trying to access my account about the same time I was purchasing a new phone device. I immediately changed pw on account and notified Chime. When I went back to access account system said I had to be verified. 

I clicked on verification link and tried to send the docs in. I'm not sure if it was successful or not, but I still can't get into account. 

I've sent multiple emails to Chime to get help and ask someone to call me... but no response. 

I need someone to help me access my funds.
Product: Checking or savings account

BB & T charged my small business ( XXXX XXXX XXXX ) a non compliance fee from XXXX XXXX. The fee was not clear and conspicuous on my statement. When this fee began in XX/XX/XXXX, the bank did not make it clear to me ( and probably many others ) that I was to do a compliance survey yearly. They never gave me a clear and obvious reminder each year to resubmit a new survey. They recently told me it was MY 100 % responsibility to submit the survey. They ( BB & T ) had no responsiblity to remind me. They were never proactive in nearly 10 years to ever give me a heads up or a courtesy notification that I had not done this survey. I just discovered that this item has been charged to me since XX/XX/XXXX. They stopped sending me paper statements in XX/XX/XXXX, because they started charging me to send them. They raised the non compliance fee on 4 occassions without full, clear, conspicuous, prior notification. I did the survey in XX/XX/XXXX when they made it clear it was required. If I had known I was receiving a penalty for not doing the compliance survey, I would have obviously done it. I know this has to hit other businesses like mine. I feel they don't want to give me a heads up, so they can collect the penalty fee. Also, in my appeal to the bank to forgive this penalty, that is completly unfair, they have been mostly difficult, sometimes rude, and non transparent. At this point today, they have been unwilling to give me the total penalty fee that has hit me for nearly 10 years. My online statements only allow for me to look back 18 months.