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

I recently reviewed my credit report and noticed unauthorized inquiries and/or fraudulent accounts opened in my name. I'm writing to inform you that, according to the Fair Credit Reporting Act ( FCRA ), these unverified and unauthorized items must be removed from my report. I request that you investigate and correct this information immediately, as the FCRA legally requires the removal of such inaccurate and fraudulent data. Please take prompt action to rectify this situation and protect my credit integrity.
Product: Mortgage

To date I have not received my monthly statement for loan ending XXXX for XX/XX/XXXX : XXXX XXXX nor my monthly statement for loan ending XXXX for XX/XX/XXXX : XXXX XXXX. While you may have other accounts to service both of these statements are well over a month overdue. Further, I have repeatedly had to kick your company before to produce the monthly statement for loan ending XXXX. As your company repeatedly brags about committed to providing exceptional service then DO IT!! 

In addition, to protect myself & my rights, consider this as notice that I want another extension of my Forbearance Plan for both loans ( XXXX & XXXX XXXX commencing at the end of my current extension which ends on XX/XX/XXXX. My requested extension is to run thru XX/XX/XXXX due to a Covid-19 related hardship.
Product: Credit reporting or other personal consumer reports

According to the provisions of the Fair Credit Reporting Act, I demand that these matters items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this complaint. 


Items that need to be disputed : Experian : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card

I was approved for line of credit and i never used the card with the hope that i will use it for when i really needed. But when did need it i found out that they closed it because i didnt use the card
Product: Checking or savings account

For roughly 20 years, I have maintained multiple accounts with Chase Bank. 

In XX/XX/year>, my Chase private banker in XXXX XXXX XXXX, XXXX XXXX, informed me that the banks complianceXXXX  department was conducting a routine review of my accounts and required information, including supporting documentation regarding the source of funds regularly wired into one of my accounts. I promptly and dutifully provided all documentation to XXXX XXXX. 

On XX/XX/year>, I received a letter from Chase informing me that due to unexpected activities my accounts, credit cards, and safety deposit box will all be closed in two weeks. No supporting evidence or explanation was included in the correspondence, and none were provided over the phone from Chase customer service.

After decades of banking exclusively at Chase without any incident, this capricious and arbitrary act has created profound upheaval in my financial, professional and personal lives. I have only been loyal, dedicated and responsible Chase customer. Aside from the obvious advantage and familiarity that a personal banking system provides, all my credit cards are issued by Chase, and thus the loyalty and reward programs I have worked hard to maintain are now in jeopardy. I pay all credit card balances promptly and in full every month. 

I appeal to the CFPB to urge Chase to reconsider its decision. At the very least, I would request that Chase permit me to maintain my bank-issued credit cards.

I am fully prepared to engage in transparent dialogue with Chase and to provide any additional documentation and information regarding my financial activities that could help reverse this consequential action. 

Thank you for your assistance and attention to this matter.
Product: Credit card or prepaid card

After reviewing our statement, we noticed a charge on our card. This was on or about XX/XX/2019. We attempted to contact Security Bank Card several times between XX/XX/XXXX and XX/XX/2019. We had little success, and even attempted to go into an Arvest Bank Branch and talk to a Branch MANger to Assist us. 

Our dispute was declined, even though we had been trying for months to get it resolved.
Product: Credit reporting or other personal consumer reports

Company and i came into a settlement agreement in which they would report my account as paid for less than full balance but didnt comply with the deal even though i paid the amount agreed
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I submitted a dispute with Experian for a XXXX XXXX credit card account that was reported as 30 days late in XXXX due to fraudulent activity taking place with my card for this transaction. I never used the credit card in question and this was the only transaction ever on the card. The company had the wrong address so we never knew the account had a {$60.00} charge on it. After learning of this by checking my credit report in XXXX I disputed it with the credit card company and they stated that they would remove it from my credit. It was removed by two credit agencies ( XXXX XXXX and XXXX ). 

After pulling an annual credit report on XX/XX/XXXX I discovered that the XXXX XXXX account was still on my Experian credit report. I disputed this with Experian stating that it was removed from the other two credit reporting agencies a few years ago. 
Dispute # XXXX On XX/XX/XXXX I received an email update from Experian that the dispute was resolved and the results stated that the item will stay on my report. I received a second email from Experian shortly after that with an update to the results of the dispute. They updated the date of the reported information to XX/XX/XXXX and stated that this information would remain on my report for ten years ( XX/XX/XXXX ). Ten additional years even though XXXX XXXX removed the fraudulent {$60.00} charge and closed the account years ago. 

Due to the information above, I believe that Experian violated the Fair Credit Reporting Act.
Product: Credit card or prepaid card

In XX/XX/2019 I opened a secured credit card account with CitiBank in the amount of {$1000.00}. Under the agreement of the secured account my credit limit would be equal to my deposit. I have paid my monthly bill on time every month without any problems. On XX/XX/2019 Citibank Approved a transaction in the amount of {$2200.00} without my approval and a amount that was {$1200.00} over my credit limit. The charge was a overcharge from a car rental place. I filed a dispute and Citibank sided with the car rental place, even after admitting I never gave the car company authorization. Citibank has the paperwork that clearly shows I never signed the agreement. Citibank will not fix the problem or explain how My account was charged {$2200.00} with my credit limit only being {$1000.00}. Whose to stop them from approving a {$100000.00} charge then telling me I owe them? This charge should had never been approved and definitely should not have sides with the merchant if the agreement was never signed. I have the documents but Citibank uses a complicated process for documents that prevents you from downloading or printing the files?
Product: Debt collection

HI Transworld Systems Inc ( TSI ) ; Im confused and stressed and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

At some point this has to stop. Im a hard working individual thats working and trying to take card of my debt in order to buy a house. And under 15 USC 1681 I have right that gets over look by these companies over and over again and this is where it stops. 

XXXX, XXXX XXXX, and experian are all govern by 15 USC 1681. And theyve repeatedly violated my rights numerous of times. I demand for these accounts to be remove listed below, because according to 15 USC 1681 section 602 ( A ) I have the right to privacy and I have not given again XXXX, XXXX XXXX, or experian and written permission to furnish these accounts. 

I have also went over all of my credit report again with all 3 companies, and the information is still inaccurate I will not be going over it again. I will be seeking payment and have proof that the information with all 3 companies are completely different. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

THIS ACCOUNT SHOWED UP ON MY CREDIT REPORT APPROX, 5 MONTHS AGO. I HAVE CONTACTED THEM REPEATEADLY TO PLEASE SEND ME COPIES OF THE PAPERWORK. I NEVER KNEW THIS ACCOUNT EXISTED. IT'S BEEN SIX WEEKS AND NOTHING FROM THEM.
Product: Credit reporting or other personal consumer reports

Salutations, My name is XXXX XXXX, I am writing to alert the credit bureaus of improper use of my reports. Ive certified mail my FCRA letter, ( attached below ) last month and yet to receive any correspondence. 

Firstly, I would like only my name to display on the report which is XXXX XXXX XXXX Every other spelling please remove. 

Also would like only my main residence to display : XXXX XXXX XXXX XXXX XXXX GA, XXXX XXXX alternate or additional address please remove. 

According to 15 U.S. Code 1681a - Definitions ; rules of construction late payments are merely experiences, they should not remain on report once paying as agreed and resumed positively.

Kindly remove ALL late payments from each report.

I will also like any and all inquires removed as well, as I have not given any permission to inquire on my behalf, along with selling my information to third parties, and other consumer reporting agencies. Would like the report to reflect positively where all closed accounts especially the repossession, they are not needed, the debts been discharged and offset by XXXX XXXX XXXX. This is heavily weighing my scoring factor down. 

Again, Ive attached a FCRA letter for your review. 

Thx and I hope we may resolve this matter in a speedy manner. 

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

I want to get a copy of my credit report and be able to dispute items online. Experian says i have an account with them but its " inactive '' whatever that means. They say i need to create a new email address inorder to view my credit report. This is crazy. I have one email addres i'm not forming a new email address a condition precident to be able to view my credit report. By law they have to provide me my credit report and access to be able to file disputes. Requiring consumers to have to create and montior a new email address to be able to view their credit report is an unreasonable barrier to access to their credit report and the tools to make disputes.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian Received on XXXX XXXX XXXX a written dispute From Me that highlighted all inconsistencies and incorrect information on my credit report. They never initiated the disputes on my behalf until Today. I have spoken with Them in regards to remedying the matter every day they have been available since the mailing of the dispute. In response Verbal Disputes were placed on my account and not in connection with the Supporting documents I sent. Ive explained to them I am undergoing a mortgage and more than likely will miss the deadline because now my investigation will take an additional 30days to resolve. 

Similar Time frames and situations as for XXXX And XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried numerous times to reach Experian by phone to resolve a credit freeze and fraud alert that is preventing me from starting my retirement benefits through Social Security Services. 

They do not provide the option to speak to someone like XXXX and XXXX do, they already resolved the issue for me on their systems. 

Experian wants me to send a form with copies of ids that would make me vulnerable if anyone got a hold of all that information connected to a form they want me to download from their website and mail in or fax in. I don't trust sending private information this is not safe.
Product: Credit reporting or other personal consumer reports

I asked why they toke down from XXXX to XXXX. They are XXXX games to sell their garbage. I just pd my car loan off and the XXXX lowered it AGAIN!!!
Product: Credit reporting or other personal consumer reports

I would like to dispute specific records in my credit file that appear to be unrelated to me, the fact that I appear to have signed any agreements, and the fact that I may have been the victim of identity theft. The items I'm contesting have nothing to do with any of the transactions I've finished or authorized to get products, services, or money. Please remove the following items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX I purchased a home with a mortgage loan from Suntrust. At the time I open a credit card account. In mid/late XXXX my grandmother fell ill and I ended up relocating her from XXXX to live with me in the XXXX/XXXX area. I missed a few payments and SunTrust charged off my credit card. I reached out in XXXX and XXXX attempting to negotiate the account being re-opened so I could pay it and Suntrust declined. We were not able to negotiate any terms we both agreed to. Now, over ten years later, they are claiming the account was open on XX/XX/XXXX and became delinquent XX/XX/XXXX. Then they show the date of last payment as XX/XX/XXXX. I've disputed this information with the credit bureaus last month and they " verified '' that the information being reported is correct. I have not opened any other credit card with Suntrust since XXXX and since they refused to negotiate any reasonable way forward, I have not had any contact with them about that account since XXXX. I do have a mortgage account with them ( now Truist ). I need assistance resolving this matter. I have initiated another dispute with XXXX but in light of the fictitious information they provided for the first dispute, I don't expect them to provide correct information in this re-investigation. Can you please assist?
Product: Credit reporting or other personal consumer reports

Despite multiple previous disputes regarding this account, the inaccuracies remain uncorrected, demonstrating potential willful noncompliance under 15 USC 1681n. 

Details of the Disputed Account : Account Name : XXXX Debt Validation Issues : The company to which the debt was sold, XXXX XXXX XXXX XXXX investigated and stated they can not validate the debt, hence they ceased collection efforts as indicated in the attached correspondence dated XX/XX/year>. However, XXXX continues to report the debt. This violates the Fair Debt Collection Practices Act ( FDCPA, 15 USC 1692g ) and the Fair Credit Reporting Act ( FCRA, 15 USC 1681s-2 ( b ) ), which requires furnishers to cease reporting information if it can not be verified. 

Repeated Disputes Ignored : Despite previous disputes, the errors have not been corrected, indicating potential willful noncompliance by the credit reporting agencies and XXXX. Under the FCRA ( 15 USC 1681i ( a ) ), credit reporting agencies must reinvestigate disputes and correct any inaccurate information. Repeated failure to correct errors can be considered willful noncompliance under 15 USC 1681n, making them liable for damages. 

Supporting Documentation : The letter from XXXX XXXX XXXX confirming they ceased collection efforts and can not validate the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I spent considerable time on the telephone and going through several " escalation '' personnel to try to resolve the issue with XXXX  XXXX XXXX. This involves an account that was closed at my request and regular payments were debited from my checking account until the balance was paid in full. When the debiting stopped, I assumed the debt was paid. Three years later I received a 1099-C from XXXX  XXXX XXXX indicating a cancellation of debt in the amount of {$890.00}, which was supposedly the remaining unpaid balance. XXXX  XXXX XXXX would not let me pay this amount when I offered, saying that it was already written off of its books. I received a tax bill from the IRS for the {$890.00} increased income, resulting in additional taxes of almost {$300.00}, which I paid. This appears on my credit report. However, XXXX  XXXX XXXX has decided to " update '' the account and is now reporting {$890.00} past due every month, resulting in a monthly decrease in my credit score. This {$890.00} debt does not exist. It was written off by XXXX  XXXX XXXX. it was charged as income to me and reported to the IRS, I paid income taxes on it, and XXXX  XXXX XXXX took a tax deduction for a bad debt. The account balance is XXXX ( {$0.00} ). 

This is showing up on my Transunion report as a " Derogatory Mark. '' The last account activity was in XX/XX/2012. This should no longer appear on my credit report because ot its age. This was resolved and removed by XXXX. It should be removed by Transunion and XXXX.
Product: Credit reporting or other personal consumer reports

Statement of Fact : Congress found that the purpose of the Fair Credit Reporting Act ( FCRA ) is to require that consumer reporting agencies ( e.g. XXXX, XXXX and Equifax ) adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance and other information in a manner which is fair and equitable to the consumer. 
XXXXt Facts : XXXX is aware and has proof in the attachment labeled as Exhibit B. 
( XXXX ) Account # XXXX is in violation of several laws in regard to how they are reporting and are stated as follows : 15USC1681-A 15USC1681s-2 15USC1681a 2 ( A ) ( i ) 15 USC 1681e ( b ) . 
The inaccurate reporting of both my account status and payment status by ( XXXX ) Account # XXXX is causing harm to my credit reputation and financial standing. 
All items listed in Exhibit B are invalid, inaccurate, not timely and carry no documented evidence, it is damaging to my character, creditworthiness and well-being by falsely stating those non-compliant unverifiable accounts on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of Trans Unions Inquiry Issue. I called then and the representative refused to help me. 

The following inquiries are on my report and were not made by me. 
XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX-XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX/XXXX  XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX 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/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX-XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX/XXXX  XX/XX/XXXX XXXX/XXXX XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX-XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX So many are duplicates as well.
Product: Debt collection

I asked XXXX XXXX XXXX XXXX XXXX to not call me during work hours at my work phone number as I can not use work hours or work equipment for anything non-work related during work hours. They have persisted with their calls to my place of employment. The person calling is named XXXX XXXX. They say they are calling about Bank of America but are not Bank of America themselves.
Product: Debt collection

I called this lady to notarize some loan documents. She invoiced me through paypal and never showed up to notarize the papers. I called paypal to notify them, and they told me it's not their problem. They keep sending me past due notices for the invoice. It is harassment by paypal.