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

I HAVE CONTINUOUSLY CHALLENGED THE INACCURACIES IN THE INFORMATION PROVIDED TO XXXX, EXPERIAN, AND XXXX. UNFORTUNATELY, THE ISSUE REMAINS UNRESOLVED AT THIS TIME. 

XXXX : This account is not mine : XXXX - XXXX EXPERIAN : This personal information are inaccurately reporting in my consumer report : Incorrect DOB - XXXX - This in incorrect. Please remove this immediately and only report accurate information. 
Incorrect Address - XXXX XXXX XXXX XXXX, XXXX XXXX, NV, XXXX - This in incorrect. Please remove this immediately and only report accurate information. 
Incorrect Address - XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, NV, XXXX - This in incorrect. Please remove this immediately and only report accurate information. 
EMPLOYER - XXXX  XXXX - This in incorrect. Please remove this immediately and only report accurate information. 

This account is not mine : XXXX - XXXX XXXX : This personal information are inaccurately reporting in my consumer report : Incorrect Name - XXXX, XXXX , XXXX - This in incorrect. Please remove this immediately and only report accurate information. 
Incorrect Address - XXXX XXXX XXXX XXXX, XXXX XXXX, NV, XXXX - This in incorrect. Please remove this immediately and only report accurate information. 
Incorrect Address - XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, NV, XXXX - This in incorrect. Please remove this immediately and only report accurate information. 
EMPLOYER - XXXX XXXX XXXX - This in incorrect. Please remove this immediately and only report accurate information. 

This account is not mine : XXXX - XXXX
Product: Credit card

My account with this XXXX is being reported late and i was never late! I have had exceptional payment history with this company and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in months I was reported late to be removed They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date. 

This company never sent the periodic statement along with the disclosures from section 1637 ( b ). 

I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently applied for a mortgage and my credit report came back with a lot of accounts that are not mine and bankruptcy I never file for. All of this information is reporting on the XXXX and Equifax. The credit information reporting on XXXX is correct. I have tried to dispute the reporting with the other two bureaus but they have not processed my disputes or remove the bad accounts.
Product: Credit card

Chase Sapphire Reserve had a promotion that if you purchase a plane ticket, hotel, etc through the Chase portal that you would receive an {$100.00} credit if you spent over {$500.00}. I added the promotion to my Chase account and purchased XXXX airline tickets on XXXX on XX/XX/year>, the charge for over {$800.00} came through XX/XX/year>. First I was told that I would not receive my credit until after I had already flown on the date of the actual ticket. Which does not make sense and the flights were for XXXX, therefore this has past. I called again and opened up a complaint and received a letter admitting to the promotion through XX/XX/year>, but I did not have it on my account ( which was not true ). Apparently, many people had problems with this promotion, not just me.
Product: Credit card or prepaid card

Hello, I got this message from my bank on XX/XX/XXXX, then immediately I texted no. 
Then I tried to solve this issue with my bank and XXXX, but I didnt solve it ; also, I hadnt bought anything from XXXX XXXX I have requested the receipt if they have, but I didnt send them. 
Here is the message from my bank : BofA Security : Did you use your credit card ending in XXXX at : XXXX XXXX, {$220.00}, Declined, XX/XX/1XXXX XXXX, {$150.00}, Approved, XX/XX/13? 

Reply YES or NO To opt out of fraud alerts, text STOP.
Product: Credit reporting or other personal consumer reports

I requested for XXXX XXXX XXXX to be removed from showing as a closed account since it has been over 7 years since the delinquency and the credit bureaus refused to remove it. They are listed as XXXX
Product: Money transfer, virtual currency, or money service

Someone opened an account at Chime.com, a mobile/online wallet- and payday advance service, using my name, email address, and probably other personal information. I found out about it through an email sent to my email address through Chime when the registration took place, I guess. The person registered for some kind of spotted ( loaned? ) amount of money, a direct-deposit account and a pre-paid debit card, all presumably in my name. I know because Chime sent me emails each time these services were started. I reached out to Chime to let them know I didnt open or have an account and didnt request their services. They sent automated emails to let me know they received my messages, and a couple messages from customer service/support to tell me they were investigating. They responded the next morning to let me know they closed the account at no penalty or financial harm to me, which is great. But how did this person fraudulently open an online bank account in the first place?
Product: Checking or savings account

I received a debit card from wells-fargo Bank in the mail along with a separate piece of mail with my pin number. I DID NOT apply for a wells-fargo checking account and I called wells-fargo and spoke with a fraud specialist who told me I was victim of identity theft, and I needed to go on their website and complete a identity theft repair kit. I will be filing a formal complaint with my local police as well. I asked the wells-fargo specialist if they saw any activity on this fraudulent account and they assured me there was none. I even got a monthly statement from them for the month of XXXX. Aren't they supposed to close this account or freeze it so whoever did this can't take this any further?? I was told by wells-fargo specialist that they would get back to me with the details of the incident and noone ever followed up with me?? Even though there is a XXXX balance on this account, I am concerned the person/people responsible are trying to set the account up for future loan access which is why I can't understand why the bank didn't close or freeze this account?
Product: Checking or savings account

My wallet and debit card was stolen a couple weeks ago. I just got a letter in the mail from chase from XX/XX/18 stating they are closing both my checking and savings accounts. 

It says there was a fraudulent check deposited on my account. But i never deposited anything onto my account. Also all my money is missing from my account. 

As if sleeping in my car wasn't hard enough already.
Product: Credit reporting, credit repair services, or other personal consumer reports

The company Chexsystem violated multiple FCRA laws including accuracy, fairness, and permissible purpose. Chexsystem stated that they verified the accounts and stated that the information was accurate. How did Cheksystem verify the accounts were accurate if I the consumer never received any notice from Chexsystem verifying if these accounts were mines?

2nd reason the account numbers are not fully showen as you see I the consumer marked in my consumer report as proof. incomplete and inaccurate report so how do I the consumer know if these account numbers that are not fully displayed are mines? 3rd reason is that I the consumer never authorized Chexsystem to report any transactions to my consumer report. 

Accounts XXXX XXXX # XXXX XXXX XXXX  XXXX # XXXX disclaimer Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is identity theft.

Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate.

FCRA Fair Credit Reporting Act, 15 U.S.C. 1681 et seq., is federal legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies
Product: Money transfer, virtual currency, or money service

Around XX/XX/2022, I fell victim to two multi-layered scam operations run by XXXX XXXX XXXX / XXXX which involved me making deposits for a total amount of USD XXXX from my Bank of America account to fraudulent investment firms.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to formally dispute multiple late payment entries that appear on my credit report for an account reported by multiple companies. These entries do not accurately reflect my payment history and may be the result of a reporting error or system issue. 

I have always prioritized maintaining good standing with my financial obligations, and I was surprised to see these late payments listed. I was not made aware of any missed payments at the time, nor did I receive any notices or communications indicating that my account was past due. 

Under the Fair Credit Reporting Act, all information reported on consumer credit files must be accurate and verifiable. I respectfully request that these late payment entries be investigated. If they can not be verified with complete accuracy by the original creditor, I ask that they be removed from my report. 

Please update the status of this account accordingly and notify me once the investigation is complete. 

Thank you for your time and attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

I was charged for the purchase which I didnt make. Bank refused to investigate fraudulent transaction.
Product: Credit reporting or other personal consumer reports

As of XXXX XXXX, XXXX, I become aware I am a victim of identity theft. I obtained a free credit report and noticed address, phone and email that doesn't belong to me. I am unable to regain my Experian account to manage my credit. The text verification display the number I entered but after a dozen tries, I never received the text. There is nothing wrong with me phone or text. Without getting the text I am unable to do 'forget username ' or 'forget password '. NOTHING WORK. Try calling the XXXX XXXX XXXX XXXX number, the auto system REFUSE to transfer to the XXXX XXXX ' for help. There are XXXX new credit created under my name and I didn't open any of them. I already call experian to freeze my credit report, however, since the hacker has my account, it a just a click away to unfreeze the credit report at no time. Experian is guilty of facilitating the crime by now making the fraud team accessible via the phone. Tell me to go online and deal with it. I can't since I was denied account access at Experian. I already file a Federal Trade commission and a police report. 

There over a dozen of credit inquiries conducted by the hack against my SSN. Without talking to a live person in the Fraud team, there is no end to it. 

I NEED HELP ASAP!
Product: Credit reporting

I sent a written dispute into experian to have XXXX medical collections investigated and to get them to get the company to send proper proof that these debts are mine and not a computer automated response. I received a letter from the refusing to reinvestigate these XXXX accounts. I originally disputed them online and like I said earlier, they did a computer automated dispute to the company and didnt fully investigate the accounts. I want them to fully verify these accounts are not mine. That is why I sent the written dispute in to stay out of the computer system generic dispute. They do not have the right to refuse to investigate innacurate info and are required to check the validity of a collection account. I want these XXXX medical collections disputed like I originally requested in my written dispute or removed completely from my report. They are XXXX XXXX XXXX XXXX for {$760.00}, XXXX XXXX XXXX XXXX for {$310.00}, and XXXX XXXX XXXX XXXX for {$130.00}. 
Please either investigate thoroughly like I requested in my written dispute and send me the results in the mail or delete these XXXX collections from my report Attached is the letter they sent me refusing to investigate the accounts
Product: Checking or savings account

Capital One Bank has withheld thousands of customers ' direct deposit paychecks due to some breach and has not issued provisional credits so that we have access to our hard-earned pay. This is criminal. The company has been very vague and uncommunicative. It is all on the heels of a lawsuit they got slapped with so it is very scary and stressful wondering where our money is. Their social media has blown up with complaints from one customer after another.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent numerous documents to XXXX, and Transunion and have not received a response. It has been past 30 days!!! When I call to check on each respected document with each bureau I am given the " run-around ''. I am being told that they have not received the documents and that I should just mail them again. I have since mailed these documents a grand total of 3 times, I am still given the same response, I have verified the address of each bureau and confirmed it with management. I have wasted numerous dollars and demand a grand total sum of {$1000.00} per each transaction and I demand that ALL items listed on each letter be DELETED from my reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied to an apartment complex because i need to relocate. i received an adverse letter from XXXX due to negative reporting on my consumer credit report. I the consumer was never given an option by XXXX XXXX XXXX XXXX to opt-out of reporting nor was given the required disclosures explaining I had the choice to opt-out, therefore XXXX XXXX XXXX XXXX  is in violation of 15 usc 6802 and 15 usc 1693l for waiving my consumer right in agreement.
Product: Consumer Loan

There 's is a error on my credit repor A hard inquiry that does not belong to me sun loan company
Product: Mortgage

I filed a complaint. On XX/XX/2024 I received an approval for a modification. The modification requested over {$30000.00} by XX/XX/2024 with mortgage payments of {$1900.00} a month. This modification did not ever address that I had a forbearance. I was charged late fees, legal fees, thousands of dollars of unknown fees. My forbearance was authorized by XXXX and than transferred to Gregory. It appears Gregory knew nothing of this forbearance plan. I never received any documentation concerning this loan from XXXX. I had been requesting a loan modification for an entire year and was approved with a lump sum request within 5 days. The approval also clearly stated if I didnt accept and pay this agreement by the XXXX I would not be allowed to appeal the offer I received from Gregory
Product: Checking or savings account

Hello my name is XXXX XXXX, and an XXXX in United States XXXX XXXX.I '' ve recently opened an account with usaa and made my initial deposit of XXXX $ .but they seem to have denied me access to my account and online banking due to no 1 specific reason that they have yet to tell me.And now there talking about closing my account that I have not been able to use.so I want to be treated fairly as an Man and not a statistic.USAA never calls me or email me pertaining my account.I really feel lost and discriminated against.
Product: Credit reporting or other personal consumer reports

XXXX XXXX Date opened - XX/XX/XXXX Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account in violation. 
Please remove this inaccurate information from my credit report. 

XXXX XXXX  XXXX Date opened - XX/XX/XXXX Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account in violation. 
Please remove this inaccurate information from my credit report. 

XXXX Date opened - XX/XX/XXXX Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account in violation. 
Please remove this inaccurate information from my credit report. 

XXXX  Date opened - XX/XX/XXXX Under 15 U.S. Code 1692j - Furnishing certain deceptive forms I am not participating in the collection of this alleged debt. Cease and desist asap Please remove it from my credit report. 

XXXX XXXX XXXX XXXX Date opened - XX/XX/XXXX Under 15 U.S. Code 1692j - Furnishing certain deceptive forms I am not participating in the collection of this alleged debt. Cease and desist asap Please remove it from my credit report. 

XXXX Date opened - XX/XX/XXXX Under 15 U.S. Code 1692j - Furnishing certain deceptive forms I am not participating in the collection of this alleged debt. Cease and desist asap Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with The Fair credit reporting act. The list of the accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXt # 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. 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 the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Between XXXX and XX/XX/2018, while dealing with a severe injury that limited my mobility, my roommate XXXX XXXX stole my ID, wallet, and phone. He fraudulently used my personal information as his own, including making unauthorized charges. These charges began on XX/XX/XXXX, including a {$1000.00} charge at XXXX XXXX XXXX XXXX. Other unfamiliar charges like {$6900.00} at XXXX XXXX XXXX XXXX also appeared, which I didn't authorize. I discovered these fraudulent activities by the end of XX/XX/2018, and I promptly reported them to Wells Fargo. The only legitimate charge I made during this period was for XXXX XXXX XXXX payments. 
I possess XXXX records of my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  making it implausible for me to have used the card physical.
Product: Mortgage

I have a rental property that is now vacant. I can not afford it. The tenants left with 4 months of rent due. After the tenants jumped XXXX, my husband and I were helping my daughter and her XXXX children. I am now retired. Green Tree Servicing service this mortgage. I contacted a realtor and begin applying for short sales starting 18 months ago. I had to fax information and so did the realtor. We got a short sale approval then we were told we did not get a short sale approval. We needed to start over again. I had done everything they told me to do, the few times I have talked to someone I was told to leave a message with my account representative. I have left messages sent emails and left more messages. I got a supervisor 's name left messages and included her on emails. Collections continued calling, we would tell collections we are doing a short sale they would not know because one department area does not know what the other area has on file.. Personnel changes did not help the situation. In these XXXX months I have had XXXX different persons working with my account, if not more. We went to court ( XXXX/XXXX/XXXX ) and Ditech Foreclosure XXXX was present, I told her we have had offers on the property and have not heard from Ditech. She said she did not know anything about that in her area. My realtor told me they sent the offer to Ditech. I physically handed her ( the specialist ) a copy of the offer there at the courthouse. She said she would image it. I called ( approx. XX/XX/XXXX ) Ditech they said they did not see the offer. I called the Foreclosure Specialist she checked the file and the offer was there and had been there since XXXX/XXXX/XXXX. This has been the same kinds of scenarios we have had to endure all these months. Last week I was told by my realtor that Green Tree, who is now Ditech, actually called and I needed to fax more information to go forth. I faxed the information and I am waiting to hear from Ditech. Yesterday XXXX/XXXX/XXXX I got an email The buyer now wants their deposit back/withdraw their offer for the property because of the length of time this has taken. The house goes to foreclosure XXXX/XXXX/XXXX. I do n't want foreclosure on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed a dispute with Transunion XXXX/XXXXXXXX and the company is failing to honor the identity theft account under the 605B which is a FCRA violation. The other two credit bureaus have already removed the information.
Product: Debt collection

Fair Debt Collection Practices Act ( FDCPA ) violations by Kia Finance America. 

* Debt Validation Notice : Kia Finance America failed to send me a debt validation notice as required by the FDCPA ( 12 CFR 1006.34 ( b ) ( 5 ) ). This notice informs me of my rights to dispute the debt and request verification of its legitimacy. 

* Dispute Opportunity : Kia Finance America did not provide a reasonable opportunity to dispute the debt ( 12 CFR 1006.34 ( c ) ( 4 ) ( i ) ). The FDCPA mandates debt collectors to investigate any disputes you raise within 30 days. 

* False or Misleading Representations : I believe Kia Finance America 's collection efforts may be deceptive or misleading ( 15 USC 1681-S2 ( 7 ) ( A ) ). The FDCPA prohibits debt collectors from using false or misleading statements to collect debts. 

* Compliance with Disclosure Requirements : Kia Finance America has furnished inaccurate information to credit reporting agencies without following proper disclosure procedures ( 12 CFR 1006.34 ( d ) ). The FDCPA necessitates debt collectors to furnish accurate information when reporting debts to credit bureaus. 

I didnt have an opportunity to dispute this information. If I fact you believe you gave me proper notification. 

THEN PLEASE SEND ME CERTIFIED RECEIPTS WITH NAME AND SIGNATURE STATING I RECEIVED IT.