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

I was reviewing my credit record and I am quite upset at the inaccuracies you are reporting in my credit record. I need the following inaccurate information to be updated XXXX XXXX XXXX Balance Owed : {$470000.00} - The number of late payments is incorrect. I never missed a payment. Please adjust immediately. XXXX XXXX Balance Owed : {$980.00} -You are reporting different information from other bureaus. Per FCRA, reporting must be 100 % accurate or the information must be updated. XXXX XXXX Balance Owed : {$4700.00} -This is a duplicate account please investigate this and make a correction
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Checking or savings account

This is a very strange situation. My ex husband claims he met a Chase private banker while playing a video game called XXXX. I noticed my banking app had " XXXX XXXX  '' on it and I also received a XXXX XXXX debit card. This also meant when I went into a branch for anything, I could ONLY speak with a XXXX XXXX XXXX. This may all sound petty, however, this is a breach of privacy, as I did NOT authorize this change to my account. 

Qualifications for having a Chase XXXX XXXX  Account : There is a $ XXXX Monthly Service Fee for Chase XXXX XXXX Checking OR {$0.00} when you have at least one of the following each statement period : an average beginning day balance of {$150000.00} or more in any combination of this account and linked qualifying ( a ) deposits/ ( b ) investments OR, a linked Chase XXXX XXXX XXXX account. 

We NEVER had anywhere close to {$150000.00}. I am not sure how/why this change was made... but it is very scary that my account was modified without permission. This instance happened back between XXXX and XXXX, I believe. Chase would not give me any information, as the change was made to my ex husband 's account. Yet my account was still affected, as they were linked some how. This is a huge breach of privacy, and I do believe Chase needs to be held accountable to for this. I am open to providing any additional information you may need. Thank you in advance.
Product: Debt collection

Someone stole my identity back around XXXX and I discovered it around XXXX. I filed a report with the XXXX police dept report number XXXX referring to the incedent please delete from my credit report according to act 605b
Product: Money transfer, virtual currency, or money service

I placed an order with XXXX. XXXX transactions go thru telecheck. They are both telling me different stories about my purchase that was COMFIRMED and has not been received. Please see the ( PROOF ) images i have attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I wrote to your company indicating my dispute of information in my credit report. Transunion has not responded to my dispute and therefore must update my credit file. The late date which is actually submitted on my credit report sounds very inaccurate or deceptive. You should furnish confirmation that this assumed account was in fact past due and that you have taken the vital practices to be able to appropriately learn more about your allegations. I do not believe I was late on the date you are reporting. Please report the payment status positive and update the late from reporting on this account. 


XXXX XXXX XXXX XXXX
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 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 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. 



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

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXXXXXX XXXX now.with no help.
Product: Credit reporting or other personal consumer reports

I have reported that this incorrection information was fraud and not mine several times and it has never been corrected. It has destroyed my credit and personal life.
Product: Debt collection

My Paypal  Credit Account minimum payment due is {$38.00} per month, I paid more than my minimum of {$87.00}. Because I received my monthly income benefits on the XXXX Wednesday of each month fell on XX/XX/18. My paypal credit account bill did not get paid until XX/XX/18 instead of the due date of XX/XX/18. Paypal Credit   charge took {$27.00} from my {$87.00} for a one day late fee. This company does not allow the consumer any grace period of 1-5 days before charging any late fees. The company is profiting from collecting late fees from the consumer who has only paid their monthly payment a day late. I think this is a practice of merchant/creditor collecting on the consumers debt obligation to only keep them in debt but profiting more money from the consumer for the debt that is owed.
Product: Credit card

I recently filed a complaint with Captial One Financial Corporation, complaint number XXXX, and the company closed it without accurately identifying or clarifying my actual issue. Please refer to my precious complaint for additional details. The company closed this complaint by saying it was a business need to close my accounts due to Fraud activities that weren't created or caused by me. They failed to accurately address my concerns. In my complaint, I stated that my concern was to have the negative inquiries removed from my credit report. They closed my account based on their need due to someone else committing fraud. Not me. In addition to removing this from my credit report, I want my Kohls card reopened or a new one created. I was with Kohls long before they merged with Capital One. My Kohls card was not affected by the fraud issues. They should not have closed that account. My monthly car payments are through Capital One and they didn't touch that account. They shouldn't have touched my Kohls account either. That account should still be active. So again for clarity, I want the negative remarks removed from my credit reports due to fraud not and I would like for my Kohls card to either be reopened or a new account created.
Product: Consumer Loan

i applied to my bank for approximately the last 20 years capital onebank for a used car loan of approximately {$10000.00}. now I have acredit rating of about XXXX, had over {$30000.00} in my capital oneaccounts, had about {$12000.00} left on an original mortgageof {$130000.00} on which I had made additional principal payments onsince its origination. I was insultingly rejected for a car loan forreasons that made entirely no sense at all XXXX being " too manymortgages '', when I have XXXX and only XXXX and had not had another inabout 30 years. I went to my local capital one bank who could notunderstand the reasoning for rejection just as I could not. it made nosense. even brought it to the manager while I was there and hecould not make any sense out of it, but also acted like he couldcare less. it was after all. only a {$10000.00} loan. well I could not carethen what bank I did my banking with either and told them I willwithdraw all my assets from capital one. I came back a week laterand did just that. the representative asked me why and needless tosay I gave him an earful. I still ca n't believe they would let a 20+year loyal customer just walk for no good reason, but they did. 
I reported this to the division of banking or whatever and alsoconsulted legal that 's how insulted I was. I now have XXXX and very happhappy but still bitter at my treatment by capital one.
Product: Credit reporting, credit repair services, or other personal consumer reports

I consolidated my delinquent student loans with the Dept of Education. Yet, my loans are still showing delinquent status on all three bureaus. This is hurting my ability to correct my credit profile. DPT EDXXXX {$2800.00} Balance updated XX/XX/2021 5 late payments DPT EDXXXX {$3100.00} Balance updated XX/XX/2021 5 late payments DPT EDXXXX {$1800.00} Balance updated XX/XX/2021 5 late payments DPT EDXXXX {$5000.00} Balance updated XX/XX/2021 5 late payments DPT EDXXXX {$2300.00} Balance updated XX/XX/2021 5 late payments DPT EDXXXX {$4000.00} Balance updated XX/XX/2021 5 late payments XXXX {$0.00} Closed 9 late payments XXXX {$0.00} Closed 9 late payments XXXX {$0.00} Closed 10 late payments XXXX {$0.00} Closed 10 late payments XXXX {$0.00} Closed 10 late payments XXXX {$0.00} Closed 10 late payments XXXX {$0.00} Closed 10 late payments XXXX {$0.00} Closed 10 late payments XXXX {$0.00} Closed 10 late payments XXXX {$0.00} Closed 10 late payments XXXX {$0.00} Closed 10 late payments XXXX {$0.00} Closed 10 late payments XXXX {$0.00} Closed 10 late payments US DEPT ED {$4200.00} Closed Unknown payment history US DEPT ED {$2300.00} Closed Unknown payment history US DEPT ED {$1400.00} Closed Unknown payment history US DEPT ED {$3400.00} Closed Unknown payment history US DEPT ED {$7300.00} Closed Unknown payment history US DEPT ED {$2100.00} Closed Unknown payment history US DEPT ED {$2300.00} Closed Unknown payment history US DEPT ED {$0.00} Closed 23 late payments
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my reportand I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus has not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I deposited 3 checks from my employer, Bank of America placed delayed hold on the the largest amount amount of {$1000.00}. If they believed that check was forgilent than why didn't they place delayed hold on all 3 checks? These were Bank of America checks also from XXXX XXXX. When I finally got though to department who place delay on check I was informed reason was that I hadn't deposited anything this large in past month! This falls under the {$5000.00} threshold. When I informed Gentleman that this was now causing me financial difficulties as I will now be late with my rent, he lied to me telling me since I still had paper check I could go cash it while it was still processing though the account. From what I read on their XXXX page this happens regularly that they place delayed holds on wage checks. Seems that they are targeting middle income families. I have received checks from XXXX for over 13 year to said account and have been a XXXX account holder for 23 years.
Product: Credit reporting

I called equifax to get the removal of all the credit inquiries on my credit report because they were tooken off but put back on and the representative that I spoke to said there was nothing that she could do when I know she could especially in this circumstance.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

To Whom It May Concern : I have recently been informed that there is negative information reported by XXXX XXXX XXXX in the file you maintain under my Social Security number. Upon reviewing a copy of my credit report, I see inaccurate entry listings of {$510.00} I challenge the accuracy, compliance and reportability of these listings. 
There is no valid claim, no contracts exist ... account was settled with original creditor ( 01 XXXX   XXXX XXXX  XXXX XXXX ) and has been confirmed.. I am quite appalled and indignant. ( Debts can not be collected twice ). 

Grave errorsfalse claim and reportingsI want this account removed immediately or litigation may follow As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting. 
You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised this is against F.C.R.A. law and is a violation of my rights..
Product: Debt collection

XXXX XXXX XX/XX/year> XXXX XXXX XXXX, XXXX, TX XXXX Subject : Request for Goodwill  Deletion of Paid Account Account Number : XXXX Dear XXXX, I hope this letter finds you well. I am writing to request the removal of a paid account that is still showing as negative on my credit report despite having been fully paid off. Account Information : Account Name : XXXX XXXX Account Number : XXXX Past Due Balance : {$0.00} ( Paid in Full ) I want to highlight that I have since paid the balance in full. However, the negative mark is still reflected on my credit report and continues to impact my credit score. Throughout my time with your company, I have always made my payments responsibly and have a positive payment history. It is my goal to continue to maintain good credit and improve my financial standing, and I believe removing this negative mark would be an appropriate reflection of my commitment to resolving this account. I am requesting that you kindly consider removing this negative information from my credit report as a gesture of goodwill. As I have paid the balance in full and have demonstrated a responsible payment history, I would greatly appreciate your help in removing this entry from my profile. I understand that the Fair Credit Reporting Act ( FCRA ) provides certain rights for consumers, and I am hopeful that you will consider this request to assist me in maintaining a positive credit history. Please let me know if you need any additional information to process this request. I would greatly appreciate your prompt attention to this matter, and I look forward to your positive response. Thank you for your time and consideration. Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX These ILLEGAL ACCOUNTS MUST BE REMOVED IMMEDITELY! 

Under USC Sec 15 1681, 1682, 1683, 1684, and FCRA tbese accounts were already disputed and passed timeframe of removal from all three Credit Bureaus XXXX, XXXX, Experian. These accounts needs to be removed immediately. 

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX as stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across XXXX, XXXX, and Experian. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$1200.00} XXXXXXXX XXXX XXXXXX/XX/XXXX {$860.00} XXXX XXXX XX/XX/XXXX Balance {$410.00} XXXX XXXX XXXX XXXX XX/XX/XXXX Balance {$15000.00} XXXX  XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$440.00}
Product: Credit reporting or other personal consumer reports

Misrepresentation of information was reported to my Consumer Report as Insurance paid for my car load with XXXX XXXX XXXX Notice that this is not a Credit report but a Consumer report which reflects my credit worthiness meaning any written information barring on a persons credit worthiness which are independent from the Factors of Fico should not reflect on ones Consumer Report. Congress says any transaction or experiences which goes against congress as the False report to my Consumer Report indicates a late negative payment transaction.
Product: Credit card

It's unacceptable to see this late payment on my account, as I've always made payments on time. Please remove it and update my account accordingly.
Product: Debt collection

Portfolio Recovery Solutions have repeatedly called my place of employment. Also let our receptionist know that they were attempting to collect a debt from me. I have asked that they not call my cell phone as well, as the agents are extremely rude and aggressive. I don't know how the got my work number, but I asked that they not call again and the agent hung up. Only to call back the next day and once again refuse to state their name or transfer me to a supervisor.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts don't belong to me. please remove accounts : 1. Identity Theft JPMCB CARD Account XXXX : XXXX This is not mine. 

2. Identity Theft JPMCB CARD Account XXXX : XXXX This is not mine.
Product: Mortgage

Dear CFPB Representative, I am writing to formally lodge a complaint against Select Portfolio Servicing ( SPS ) for engaging in what I believe to be predatory lending practices. Specifically, SPS has failed to fulfill its obligations as my loan servicer, leading to unnecessary financial burdens and potential default risks on my mortgage. 

Failure to Pay Property Taxes on Time SPS failed to pay my fourth-quarter property taxes on time, resulting in late fees. Despite my repeated written requests, as of todayfive days past the tax due datethey have still not made the payment. Their consistent delays appear to be intentional, exposing me to financial penalties and additional stress.

Failure to Pay Homeowners Insurance In late 2024, SPS also failed to pay my homeowners insurance in a timely manner, which I believe was a deliberate act to push my loan into default. As a result, I had to intervene to prevent a lapse in coverage, which could have jeopardized my property. 

Pattern of Negligence and Excuses Despite numerous written communications with SPS regarding these ongoing issues, they have continued to offer dismissive and baseless excuses. Their actionsor lack thereofsuggest an intent to manufacture default conditions rather than properly servicing the loan. 

I request the CFPB to launch an immediate investigation into SPSs practices. Their continued failure to make timely escrow payments is not just negligent but appears to be a calculated move to place borrowers at financial risk. I urge the CFPB to take appropriate action to hold SPS accountable for these unfair and deceptive practices. 

Please advise on the next steps and any additional information you may require. I appreciate your time and attention to this serious matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the Fair Credit Reporting act XXXX  Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

XXXX XXXX is reporting both inaccurate and inconsistent, adverse information about me to the credit bureaus in direct violation of federal law. They are also reporting duplicate accounts to the credit bureaus.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  Account XXXX XXXX XXXX XXXX, has violated my rights. Account XXXX XXXX XXXX # XXXX, has violated my rights. Account XXXX XXXX XXXX XXXXXXXX, has violated my rights. Account XXXX XXXX XXXXXXXX15 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 an account without my written instruction.