23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I am writing to dispute inaccurate information on my credit report that is adversely affecting my creditworthiness. According to my recent credit report, there is a late payment entry on my account, which is inaccurate and misrepresents my credit history. 
I have carefully reviewed my credit report and have identified the following inaccurate information : XXXX XXXX XXXX XXXXXXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXX XXXX XXXX XXXXXXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXX XXXX XXXX XXXXXXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
I am a responsible and diligent consumer, and I have consistently made timely payments on all my accounts. The reported late payment is not only erroneous but also severely impacts my credit score. As a result, it hinders my ability to qualify for favorable loan terms and opportunities, which is particularly concerning as I am currently seeking to open a new loan account.
Product: Credit reporting, credit repair services, or other personal consumer reports

DSNB BLOOM - I requested an investigation and the removal of the charge-off status. No changes were made. No investigation was conducted at all. You had optimal time to review this matter and make the appropriate corrections, you elected not to. Please remove this item immediately.
Product: Debt collection

I've received a call from number XXXX XXXX XXXX XXXX on Friday XX/XX/2020 by a woman who did not want to name her company but told me my full name and the last four digits of my social security number. I hung up the phone and the next day XX/XX/2020 I get a credit score notification that I owe {$1900.00} by a collection agency portfolio rc by a XXXXXXXX XXXX opened XX/XX/2020. No knowledge of any of this and I do not believe this is mine.
Product: Vehicle loan or lease

The company was unable to give me a solution to problem, and have taking out {$1000.00} for a loan which I ask them, on XXXX I call and ask chase auto loan what is their solution to my car that had been hit, and left me out of work for 3 months now, and I'm still recovering form the accident, and they refused to find me an alternative instead they leave me n hold for a long period of time, and I call many time after that, and they refused to give me an alternative. they reason I want an solution cause my income have been depleted because of them taking money out, and I'm very behind in some of bill. the chase customer service are nasty and hand up on me. all I want is fair solution because i'm only receiving worker compensation, and they only want to raised the price on me
Product: Checking or savings account

Chase Bank XXXX XXXX, Ohio offered a {$900.00} bonus to new customers for opening Checking and Savings accounts, as long as conditions are met. {$200.00} for savings with a {$15000.00} deposit, {$300.00} for opening a checking with " Direct Deposit '', and a {$400.00} bonus for both accounts. 
My wife and I went to the XXXX branch on XXXX XXXX, XXXX, met with XXXX XXXX, and opened Joint accounts for both Checking and Savings. At that time, XXXX XXXX said we did not need to have the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( we are both XXXX  and XXXX XXXX XXXX XXXX XXXX  ), He said funds deposited electronically from our XXXX XXXX  accounts would qualify " as long as they were an electronic ACH deposit. '' We received the {$200.00} bonus for the savings account on XX/XX/XXXX but not the Checking or additional bonuses. We had XXXX set up automatic withdraws from one of our IRAs using the ACH electronic transfer and {$630.00} was sent on XX/XX/XXXX and XX/XX/XXXX. We decreased the amount to XXXX for the XX/XX/XXXX transfer. We stopped the XXXX transfer after we did not receive the expected {$700.00} in bonuses from Chase in XXXX. 
We went to the bank to complain about XX/XX/XXXX but the branch manager wasn't in that week. Chase refuses to honor the other {$700.00} in bonuses we should be entitled to due to XXXX XXXX giving us incorrect information. XXXX XXXX XXXX, Chase 's XXXX branch manager, finally contacted us on XX/XX/XXXX and said XXXX XXXX admitted to giving us incorrect information because he thought what he said was correct. XXXX XXXX said he would try to get us the {$700.00} in bonuses but we haven't heard back yet.
Product: Credit reporting or other personal consumer reports

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud
Product: Checking or savings account

This was in like 2016 and my card kept overdrawing money out my account I had to pay back {$XXXX} when I didnt overdraw money out my account because the more I didnt pay the more fees they kept adding on to my account and nothing was done by them they just closed my whole entire account down and I couldnt use it anymore
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I purchased a vehicle through XXXX on credit. I was made aware that XXXX XXXX XXXX will be supplying the loan. On XX/XX/XXXX, I got into an accident that led to my car being a total loss. However, XXXX XXXX XXXX decided to label this as a repossession on my credit report. When I spoke to a representative to get a clear understanding of why this was, they told me that it was labeled a repossession because the vehicle was sitting AFTER the accident. This makes no sense since the vehicle was not drivable so there was no way for me to move or use it in anyway. This is extremely unfair because if the accident had never happened, I would still have the vehicle. The insurance company, XXXX, are the ones who towed it away an hour and XXXX minutes from my residence. I was then told that I owed {$4800.00}, and had to pay that off in order to get it removed. So I paid {$2000.00}. On XX/XX/2024 I called to pay another {$2000.00} just for the representative to tell me that I should dispute the repossession, and that it should have never been considered a repossession in the first place. It is clear that XXXX XXXX XXXX does not care as long as they get their money. There is no reason why they should have reported this as a repossession when that is not what happened! Not to mention, they NEVER even sent me a repossession NOTICE like they are supposed to do. This is negatively affecting me financially because now I have to pay over {$6000.00} for a downpayment for a new vehicle. So now my rights are blatantly being violated as this is now considered false and misleading pursuant to 15 USC 1692e. Also, the consumer reporting agencies are not supposed to put anything on my report WITHOUT verifying with me first. This whole practice reeks of unlawful and unethical activities and it is quite concerning that they can put whatever they want on MY report with no consequences.
Product: Debt collection

XX/XX/2023 Southwest Credit Systems XXXX XXXX XXXX XXXX, TX XXXX Re : Validation of Debt To Whom It May Concern : I am formally requesting that you validate all notation you have submitted to the three major credit reporting agencies by Southwest Credit Systems. 

I do not recognize how this account is reporting on my credit report. I dont recognize the account number, I dont recognize the account status, I dont recognize the account high balance, nor do I recognize the late payments associated with the account. Everything reporting here does not meet the FCRA.

1. Copy of the original contract with signature 2. A copy of the payment history 3. The name and address of the original creditor 4. Proof of collection authorization You have 30 days from the date you receive this letter to provide this information in the allotted time given, then it will be assumed that you can not verify the late payments on the dates specified above ( lacking reasonable procedures to ensure the accuracy of my account ) and I would therefore request that you remove the late payments from my account and consumer report with the following consumer reporting agencies ( XXXX, XXXX, & XXXX or all that apply ) and update accounts to the positive. 

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

These accounts have been consolidated in XX/XX/XXXX. At no time was I contacted in writing by Texas XXXX XXXX XXXX XXXX about my multiple accounts being delinquent or sent to collections. Texas is currently reporting this as a collection account. This is not only inaccurate, but it is placing my military clearance in jeopardy. 

XXXX XXXX XXXX is reporting multiple accounts as XXXX days past due, all having a zero balance, and all in excess of XXXX years old. At no time, have I ever had any written correspondence from XXXX XXXX XXXX indicating I had past due loans. I did not even know I had loans with XXXX XXXX XXXX. 

XXXX XXXX is also reporting that I had student loan accounts with them in excess of XXXX days past due, many of which are greater than XXXX years old. At no time did I ever had any written correspondence from XXXX XXXX indicating I had past due loans. 

Another student loan creditor, XXXX/XXXX XXXX XXXX, is also reporting multiple loans as XXXX days past due and these loans are older than XXXX years. 

The United States Department XXXX XXXX is also reporting XXXX old student loan accounts as payment after charge off/collection. Most of those loans, if not all, are in excess of XXXX years old.
Product: Credit reporting or other personal consumer reports

I previously submitted a complaint. On XX/XX/year> Experian dropped my credit by XXXX points. It was raised XXXX points after XXXX report was submitted. Today it dropped XXXX points again. Again, Nothing on my credit report changed except I paid XXXX XXXX down on my only loan ( should have raised my score ). I called and they couldnt tell me. I wrote and asked them why and they sent me an email telling me my case was resolved, yet there has been no change in my report and no answer to my question. None of the other agencies made that drop. Just Experian. All other agencies are more than XXXX points higher. They were all nearly the same until XX/XX/year> when it drastically dropped with no major activity on my credit. I have an application in for an XXXX XXXX XXXX currently. If that is denied because they are drastically dropping my credit score, I will talk to my attorney.
Product: Credit reporting or other personal consumer reports

I told Equifax to tell me how the items were verified and confirmed
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please state that " Ive completed these steps and please process my request per FCRA laws. Please remove the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I have an old Cash App account that Cash is not allowing me to gain access to because I no longer have the debit card linked to the account that was created about 8 years ago. I have access to the email used to create the account and other personally identifying documentation, but they are withholding any access and funds to the account and claim that there is no way for me to access my {$560.00} balance.
Product: Credit reporting or other personal consumer reports

Immediately block all accounts associated with my personal information, including my name, Social Security number, and any other identifying details that may have been compromised. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I am filing a complaint of non-compliance requesting validation, made pursuant to the Fair Debt Collection Practices and the Fair Credit Reporting Act, along with the corresponding local state laws. 
Please note that I am requesting VALIDATION ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay these companies : 1 ) XXXX   ( XXXX XXXX ) ACCT # XXXX ATTACHED LETTER 2 ) LVNV FUNDING ( XXXX XXXX XXXX ) ACCT # XXXX ATTACHED LETTER 2 ) XXXX XXXX   XXXX ( XXXX XXXX XXXX ) ACCT # XXXX ATTACHED LETTER This month the FTC, and Federal Law Enforcement Partners have announce Nationwide Crackdown on Abusive Debt Collection Companies. 
This is formal complaint that you have failed to provide me with copies of any viable evidence, bearing my signature to my dispute letter deposited by certified registered mail with USPS. ( have attached certified letters that were sent ). 
I have maintain careful records and for your benefit, and as a gesture of goodwill final attempt to have you clear up this matter. You have 15 days to cure. How are you guys reporting or verifying these accounts to the CRAs when it lacked underlying documentation. 
In 2000, the FTC held that the FCRA barred a debt buyer from " verifying a tradeline disputed by a consumer when it didn't posses the original documents. FTC allegations was that upon receiving a CDV form from a CRA that the debt buyer ( s ) and furnisher ( s ) they can not use the PCM for verification does not constitute an " investigation '' for purpose of section 1681s-2 ( b13 ), when a consumer disputes the accuracy of information reported by debt buyer ( s ) or furnisher ( s ), they should either verify the information with the original documents bearing a signature within the time period set forth in the FCRA or take all necessary steps to deleted the information from the files of all consumer reporting agencies to which the information was reported within 5 business days after receiving the consumer dispute, notify all consumer reporting agencies to which the information has been provided that the information is to be deleted from the file of the consumer who has disputed the account.

Consent Decree Order, Section II.

As per FTC opinion letter from Attorney General XXXX XXXX XXXX, you should be aware that a print out of a bill or itemized document does not constitute verification. 
I am again formally requesting a copy of VERIFIABLE PROOF ( of original Consumer Contract with my Signature on it ) you have on file ( Section 609 ( a ) of the accounts listed on my original letter. If not you must remove the accounts listed above. These accounts have hurt my ability to obtain credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I wrote in with a complaint that the CFPB clearly didn't care to back me on stating that my score/report couldn't be retrieved due to me not having a file or ssn. I was told in that complaint by XXXX exclusively that they saw no issue fast forward XXXX days I needed my credit for a car, same issue but now it was with all XXXX bueruos there was a " consumer decreased as of XX/XX/2022 '' alert/statement stoping all applications and reports from being seen by me and causing me to be locked out of my online accounts. For the past XXXX days I've spent over XXXX $ in mail delivery and faxes/prints and copies and over ( documented ) XXXX hours!! On the phone with each agency. Numerous times they said " we don't see it '' I talk to a manager they say we do but you must send this in to remove it and I do, its off, then another alert is added and back and forth it goes. SOME OF THE VIOLATIONS include The need of your written consent to report Anything and your right to privacy 15 USC 1681b Permissible Purpose of Consumer Reports ( a ) ( 2 And Damages/Defamation of character/ Negligents 1.Civil liability damages violation for {$1000.00} pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681n ] I have nothing but time on my hands so I will file complaint after complaint talk to every lawyer that will listen and go after every company until I am compensated and I will raise my fee per complaint I have to redo
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I have recently encountered a data breach that has compromised my personal information. This incident has caused significant concern regarding the security of my sensitive data. Consequently, fraudulent accounts and debts have been established in my name. I would appreciate your consideration of this matter while reviewing my credit report and urge you to take appropriate actions to rectify any inaccuracies or fraudulent activities.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was checking my credit score on Credit Karma on XX/XX/2018 and saw a link that said 'See if you are pre-qualified for a personal loan. This will not effect your credit score. ' I clicked on the link and saw the offers and did not proceed. Few hours later, I get an email from XXXX XXXX XXXX ( XXXX ) with the creditor name : XXXX XXXX, XXXX XXXX XXXX, XXXX, AL, XXXX ; stating that my loan application has been denied and that my report was pulled from XXXX. I have not sent in any application to the above mentioned creditor, nor have I consented to my credit record being pulled for any loans. I have never planned to get a loan from XXXX XXXX cause I did not even know that company existed. I have sent a mail to the support email for XXXX XXXX   sand is waiting for a reply.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently checked my credit report and saw that there are two fraudulent accounts on my credit report. One is from XXXX XXXX and the other is from Discover
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. I have multiple family members with the same name who are using my information. There has been several cards and accounts that have fallen behind that doesnt belong to me. 

XXXX XXXX XXXX XXXX XXXX I have never used this card or applied. 

XXXX does not belong to me. I have never attended XXXX. Someone opened a XXXX XXXX XXXX XXXX No knowledge of this account
Product: Credit card

Ive been a member of American Express for over XXXX  years no missed payments no late payments. All accounts are current and I applied for a XXXX credit card for travel purposes and was denied. Im being given frivolous reasons. My credit is being withheld. There is no apparent reason for me not to be approved with this credit card. Or any credit limit increases that I may have asked for theres always a reason other than a good reason that they have please help tired of these big companies, taking advantage of us.
Product: Debt collection

I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. That was opened on XX/XX/2020 of the amount of XXXX. Please remove these accounts from my report they are hurting my ability to obtain credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is to TRANSUNION for allowing fraudulent inquiries on my credit report. As I checked my recent credit report, the unauthorized hard inquiries are reporting on my credit report and no further actions have been taken. I have filed an FTC report which I included here with report number XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Multiple credit disputes were filed with the 3 credit bureaus ( XXXX, XXXX, Experian ) regarding a car loan with XXXX. The account has been closed and paid off with Ally ( XX/XX/21 ) and yet it is not reflected on my credit report. In each dispute with the credit bureau, loan payoff documentation was provided. 
XXXX ( file # XXXX on XX/XX/21 and XXXX XX/XX/21 ) Experian ( file # XXXX on XX/XX/21 ) XXXX ( file # XXXX on XX/XX/21 ) Additionally when the results came back I sent letters to all 3 bureaus with a consumer statement on XX/XX/21 and it is still not appearing on my credit report. I fought with XXXX on XX/XX/21 and they admitted they got the statement and stated that it was added but refused to address the issue of the incorrect information added in XXXX on my credit report. 

I have been unable to contact XXXX XXXX or XXXX as they do not allow options to speak to someone. Just seeking assistance is getting the consumer statement and information updated to my credit report.
Product: Checking or savings account

Business Advantage Unlimited Cash Rewards opened on behalf of XXXX XXXX XXXX. 

On {$4100.00} on XX/XX/XXXX was made bringing the account to a {$0.00} balance. 

Today on XX/XX/year>, {$41.00} was taken out of my XXXX checking account ending in XXXX. This amount was not authorized. XXXX was XXXX. The account had a {$0.00} balance and yet Bank of America debited {$41.00}. 

I called BofA today on XX/XX/year> at XXXX. I spoke with XXXX a supervisor in XXXX, XXXX. 

She was friendly however, did not have an explanation of why the account was debited this amount and promised that the {$41.00} would be returned within XXXX hours. She also confirmed that this payment was cancelled and had I not called today she is not sure what would have happened. 

I also asked for some sort of compensation for the waste of XXXX minutes of my life because of Bank of Americas fault.

It is truly terrifying to have a financial institution especially as large as BofA having access to my checking account and taking out funds that are completely unauthorized thus giving themselves effectively an interest free loan on my money without my permission.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out and filed disputes with Transunion, XXXX and XXXX about reporting inaccurate info on my credit report and the only thing they have done was updated I am not sure of the dates but most recent was XX/XX/XXXX and it came back as not removed or deleted but updated. I have asked these credit bureaus to validate the accounts first and since then I have not received any updates verifying these accounts. I have also called each credit reporting agencies to update personal information and disputed inquries that I have not consent any company to check my credit and there has been no change since last year XX/XX/XXXX.
Product: Checking or savings account

This is the second complaint about Ally Bank making unauthorized withdrawals on my account. They answered the 1st complaint a week ago and stated they had stopped the unauthorized withdrawals. But, Ally has now made another unauthorized withdrawal. See prior complaint # XXXX, SUBMITTED ON XX/XX/2023.