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

XXXX. XXXXXXXX XXXX XXXX  XX/XX/XXXX : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b 2XXXX XXXX XXXXXX/XX/XXXX : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b 3. XXXX XXXX XXXX XX/XX/XXXX : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b XXXX. XXXX XXXX  XXXX, XX/XX/XXXX : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b 5. XXXX XXXX XXXXXX/XX/XXXX
Product: Credit card

Chase bank has deactivated the feature to request a Credit Card Limit Increase online ; it has been deactivated for more than 1 year. Every time I call and inquire why this feature has been deactivated Chase states they don't know why but I can apply over the phone. Today, XX/XX/XXXX, spoke with at least 3 different people including Escalations Department and a Supervisor named XXXX in Customer Service. XXXX stated " according to his system, I never had the feature based on what he was seeing in the system '' ; this is completely false, I have requested credit card increases numerous times online over the years and it has been approved immediately. However, last year ( approx. XX/XX/XXXX ) Chase cut my credit limit from {$12000.00} to {$500.00} and deactivated the feature and the feature has been deactivated ever since. Chase has stated in the past the feature will be available in the future ; however, now they're saying I never had the feature available to begin with and the only option is to apply over the phone. Chase bank lying and making false statements ; also preventing me from requesting a credit card increase online then creating false internal documentation to support their false claims and statements.
Product: Debt collection

I hope this message finds you well. A couple of months I reviewed my credit profile and seen inaccurate information regarding an alleged collection ( collection name ). I find that strange since I don't recognize this account neither am I liable for it at all. Prior to submitting this complaint, I have sent over 3 letters to the Bureau to have them send the proper verification of this alleged collection. I have also sent out debt validation letters to the CREDITOR to VALIDATE this alleged account. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. NOT a refusal to pay but in accordance with my rights under the Fair Debt Collection Practices Act I am disputing this account and requesting a validation of debt. ( 15 USC 1692g Sec. 809 ( b ) ) I begged the creditors to Please provide me with the following information : 1. State what the money you say I owe is for 2. How did you come to determine that amount 3. Provide copies of agreements bearing my signature stating that I agreed to pay what you say I owe 4. Show me the proof that you are licensed to collect in my state ; provide your license number 5. Provide me with proof that the statute of limitations have not expired 6. A valid, legible copy of the agreement stating the debt and interest charges However, this unvalidated negative account is still impacting me
Product: Vehicle loan or lease

I refinanced my auto loan in XX/XX/2018 from XXXX XXXX XXXX to XXXX XXXX. I called for 2 months asking when will I start to pay my auto loan through the new provider XXXX XXXX. I was notified the end of XXXX that my bill was due on XX/XX/XXXX by the time I was made aware of the due date it was already 30 days late. I have been trying to work with the company for a year to have this late payment removed but they refused to take responsibility for they lack of communication with the consumer. This late payment have destroyed my credit and is preventing me from being approved for a home loan. Please assist with this matter
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, My name is XXXX XXXX. I'm a XXXX veteren with a XXXX XXXX. I have no student loans and have been sent letters from Department of Education and NelNet that I have no outstanding loans. On my credit report student loans show up showing a balance of over 28k and late payments. This is all incorrect, I have no student loans. They where discharged years ago.
Product: Mortgage

Modify my loan in 2014 Select Portfolio Servicing ink agreed to take off late payments after modification was approved this never happened it 's affecting my credit score terrible they committed a felony conspiracy to commit fraud conspiracy to commit extortion Insperity commit and Corruption
Product: Credit reporting or other personal consumer reports

This letter serves as my formal dispute under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., concerning the inaccurate and misleading information appearing on my credit report regarding the XXXX XXXXXXXX, XXXX, and XXXX XXXXXXXX  accounts. I demand an immediate investigation and correction/suppression of the following discrepancies, as they violate Metro 2 compliance guidelines : AXXXX XXXX XXXX XXXX XXXXXXXX ) : XXXX. Inconsistent High Balance Reporting : High Balance is reported as {$400.00} ( Equifax ) but {$390.00} ( XXXX and XXXX ). 
2. Date of Last Activity Conflict : " Date of Last Activity '' is inconsistent across bureaus, conflicting with the account closure status. 
XXXX. Discrepancy in Comments : Remarks such as " Closed or Paid AccounXXXX XXXX '' conflict with late payment history. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) : XXXX. Conflicting Late Payment History : Late payment updates are inconsistent with payment cycle data. 
XXXX. Missing Past Due Amount : No " Past Due Amount '' is provided despite late payment history. 
XXXX. Comment Conflict : Remarks such as " Account Previously in Dispute - Now Resolved '' are ambiguous and contradictory. 
XXXX XXXX ( Account # XXXX ) : XXXX. Inaccurate High Balance Reporting : " High Balance '' is reported as {$0.00}, while the account balance is {$12000.00}. 
XXXX. Payment Frequency and Past Due Amount Conflict : Monthly payment of {$250.00} is reported without past due amounts or supporting payment history. 
XXXX. Discrepancy in Account Remarks : Comments like " Consumer Disputes- Reinvestigation in Progress '' do not align with account status.
Product: Credit reporting, credit repair services, or other personal consumer reports

I happened to check out what was going on with my credit report. I noticed several inquiries, that do not belong to me. Please remove them from my credit report immediately as this is poor judgement with on my character and credit.

XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX   Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX - XXXX XXXX Inquiry from XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute the accuracy and completeness of an account on my credit report, as permitted under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ). The information below contains inaccuracies that I request you investigate and correct or remove immediately : Disputed Account : Original Creditor : XXXX XXXX  Account Type : Debt Buyer/Collection Date Opened : XX/XX/year> Balance : {$23000.00} ( as of XX/XX/year> ) Status : Collection account, {$23000.00} past due as of XX/XX/year> Reasons for Dispute : 1. Inaccurate Ownership : The account is listed as a debt buyer account, which does not align with my records. Please verify the account ownership and validate the alleged debt. 

2. Balance Discrepancy : The reported balance of {$23000.00} is inconsistent with the original balance and payment history. Provide documentation to substantiate the balance, including an itemized statement. 

3. Date Inconsistency : The Date Opened is listed as XX/XX/year>, but this conflicts with my records. Please validate the accuracy of the date. 

4. Incomplete Data : The Terms field is listed as 0 % and the Monthly Payment field is blank, which is incomplete and misleading. 

Per the Fair Credit Reporting Act, the credit reporting agency must ensure all reported information is accurate and complete. I also refer to XXXX v. XXXX XXXX XXXX XXXX XXXX XXXX, which underscores the importance of accuracy in consumer reports. If this account can not be fully verified or corrected, it must be removed from my credit report immediately. 

Requested Action : Conduct a thorough investigation into the disputed information. 
Provide verification and documentation from the data furnisher ( XXXX XXXX  or subsequent debt buyer ). 
Remove or correct all unverifiable or inaccurate information. 

Please resolve this matter within the 30 days required by law and send me a written response with the results of your investigation. If you can not verify the accuracy of the disputed information, I demand that this account be REMOVED from my credit report. 
Thank you for your prompt attention to this matter.
Product: Checking or savings account

Citizens Bank is using my email address XXXX for another customer also named XXXX XXXX. I made them aware on XX/XX/2023, but I am still receiving this customer 's banking details as of yesterday, XX/XX/2023. I am also receiving emails for some of his other accounts. Per XXXX, XXXX and XXXX are both mine. The period does not matter.
Product: Debt collection

I reviewed my XXXX XXXX and noticed accounts that I didnt open. Please remove these accounts as theyre hurting my XXXX.
Product: Mortgage

On XX/XX/18 I called Reliance First Capital to learn more about financing options for a condo that I own. They took down my information and ran a hard inquiry on my credit without my approval. My call was strictly to learn about potential options for financing the condo as I was shopping around.
Product: Money transfer, virtual currency, or money service

For the longest time, until recently Zelle does not allow you to request or return a payment to someone. I have had instances of money being sent to me from someone, not in my contacts, and I could not return the money. You are supposed to be able to send money to people by name or number and this particular time I could not do that due to the flawed system and it not being able to find them by their first and last name. I have also zelled someone in the past and because they did not allow you to confirm the person, I sent it to the wrong person and could not get it back.
Product: Mortgage

I applied for a reverse mortgage with AAG in XX/XX/XXXX. I was approved but they said there were a few things I needed to fix. Clean up a few spots, and install carbon dioxide detectors. There were some other things that they said I needed to fix but they were outside and we had an early snow so they were going to set aside some money from the loan, after my contractor gave them a bid, for the work to be done in spring but I had to pay for the work first. Than they would give me the money back. I had to have the appraiser come back to check the few things I had to do. At issue was I have a lot of stuff in the basement and their underwriting department is making a big issue of this and they wanted me to move everything out of my basement so the appraiser could spend 5 minutes looking at the walls. I also had to pay for a structural engineer to come who gave me an all clear of the basement other than the few things to be done in spring.

I have written 2 letters to the president of AAG. I never received a response from him. I have spoken several times with a XXXX at their XXXX office who after dragging this out for yet another week told me today that now the underwriting department has decided that I have to now pay for the grading outside to be done that they already approved to be done next spring, that I have to pay for a mold inspection to be done, even though the appraiser only noted one mold spot and noted that it had been cleaned up. The spot was because my tenants wash machine leaked. And than I have to have the engineer come back. Again payment has to come out of my pocket. {$600.00}. And my application and appraisal will expire in 4 days. Tomorrow is XXXX eve. XXXX said they could do an extension but I have to have all the above done. When I asked why there was a change and basically the underwriting department can do what they want. 
I feel this is in retaliation for my complaints to the president and complaining about there processes. I feel basically harrassed. I am asking for your assistance in this and I think their should be some consequence for their behavior. I also feel they should reimburse me the XXXX I've had to spend trying to comply with their demands. XXXX XXXX
Product: Credit reporting

I recently shopped rates for a mortgage for a new home I purchased and closed on. I completed mortgage applications with XXXX companies ( XXXX Home Mortgage companies and XXXX traditional bank ). This all ocurred within 30 days. Now that I selected XXXX company and have closed on my new home, my credit score has now dropped significantly. The main thing I see that has changed is that my credit report showed an increase of hard inquiries from each of these companies checking my credit during the application process. I thought when you shopped for rates and actually closed on a mortgage that the credit bureaus would reflect this as XXXX inquiry? Could it be that the whole mortgage process from application to closing took more than 30 days? I do n't think it is right that my credit score was negatively impacted by XXXX points. The Home Loan Companies I applied to are : XXXX XXXX, RI the XXXX I used ), XXXX XXXX, XXXX RI, XXXX XXXX XXXX XXXX RI, and XXXX XXXX. Multiple Inquiries came from a company named XXXX, XXXX, XXXX XXXX, and XXXX. 
I am happy to provide additional specific details upon request.
Product: Credit reporting or other personal consumer reports

I spoke with an Experian Supervisor on or around XX/XX/XXXX at XXXXXXXX XXXX EST. I requested that Experian remove the Non-mailable address of XXXX XXXX XXXX XXXX XXXX from my Consumer report ; I can not receive mail at the above-listed address. The Experian agent refused my request after I informed him he was violating my rights. Experian is willfully reporting inaccurate information, violating my rights, and is non-compliant with the Privacy Act of 1974. XXXX XXXX XXXX and XXXX XXXX XXXX XXXX 's terms and conditions of both Bank 's state that they will not report to a non-third-party affiliate.
Product: Debt collection

XXXX XXXX  has reported an inaccurate negative comment on my credit report. I do not owe a debt to them in the amount of XXXX dollars as they have reported in XXXX of XXXX, and again on XXXX of XXXX. I have never signed an agreement with them, and they have never furnished me with one. I demand they remove this account from my credit report
Product: Credit card or prepaid card

XXXX.XXXX, the XXXX credit card issuer, had charged me twice for the amount of {$10.00} totalling {$20.00} saying that they had not received payment when they HAD : XXXX XXXX XXXX
Product: Debt collection

XXXX is trying=a debt from me that I do not owe them. I have attached a cease and desist letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please investigate and delete the following disputed accounts that you are showing on my credit report : 1. XXXX XXXX account XXXX 2. XXXX XXXX XXXX account XXXX 3. XXXX XXXX XXXX XXXX 4. XXXX XXXXXXXX account # XXXX 5.  XXXX XXXXXXXX account # XXXX
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I am a victim of a data breach and as a result, unauthorized accounts have been added to my credit file. In accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting that the following accounts be blocked and deleted from my credit report immediately : XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$54.00} XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$220.00} XXXX XXXX  XXXX XXXX - XX/XX/XXXX - {$1900.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX  - XXXX - XX/XX/XXXX - {$00.00}
Product: Debt collection

All communication to and from the debt collector have been attached. I intitially received a letter from FIRST FINANCIAL ASSET MGMT, INC on XX/XX/2019 on an alleged debt that I owe for the amount of {$3000.00}. In response I sent a debt validation letter via certified mail on XX/XX/XXXX and the company received on XXXX XXXX company didn't respond until XX/XX/XXXX with a letter that included repair estimates for a car, nothing in the letter validates my legal obligation that I owe them.
Product: Mortgage

XXXX XXXX XXXX sold my mortgage to LoanCare LLC LoanCare website is not accepting my information but they don't provide a mechanism for me to make a payment My payment is past due and I don't want my credit to be affected I don't want to lose my home!! I have the money, you guys are just not letting me pay you!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Re : Final Goodwill notice to remove inaccuracy on my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed these fraudulent inquiries on my XXXX and XXXX credit reports and I've disputed them several times with the companies and XXXX and XXXX and they are still stating these are mine without properly verifying. Please remove the following fraudulent inquiries immediately, thank you. 

Hard Inquiry Date Universal Credit Servi XX/XX/XXXX XXXX XXXX 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  XX/XX/XXXX
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA, XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX, MN XXXX Subject : Dispute of Debt and Request for Validation Dear, I am writing in response to your notice of debt dated XXXX, in which you allege that I owe a balance of {$2800.00} I am disputing this debt, as I do not believe I am responsible for the amount you claim. Under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692g, I am requesting that you provide valid documentation supporting this debt and its validity. Please treat this letter as a formal request for validation of the debt as stipulated by law.

In accordance with California Civil Code 1788.30 I assert that you must provide the following information in writing : Proof of the original debt : Documentation that clearly shows the origin of the debt, including the name of the original creditor and the amount owed at the time it was incurred. 
Assignment of debt : If the debt has been sold or transferred to your agency, please provide a copy of the written agreement or assignment confirming that you are authorized to collect the debt on behalf of the creditor. 
Detailed account statements : A breakdown of the charges that make up the alleged debt, including dates, amounts, and any interest or fees applied. 
Verification of the amount owed : If any payments have been made or there are discrepancies, I request an accurate, updated statement of the account balance.

Additionally, until you provide the necessary documentation, I request that you cease all collection activities and refrain from reporting this disputed debt to any credit reporting agency, as permitted under [ californias Civil Code or FDCPA.

If you fail to provide the requested validation or continue collection activities without proper documentation, I will consider this matter unresolved and may pursue legal action to protect my rights under applicable civil and consumer protection laws.

Please respond within the time frame established by law, typically within 30 days from the date of this letter. Should you fail to do so, I will consider this debt invalid and expect it to be removed from my records. 

Thank you for your attention to this matter. I look forward to receiving the requested documentation. 

Sincerely, XXXX XXXX
Product: Payday loan, title loan, personal loan, or advance loan

Are still taking {$61.00} out of my account when I told them to please reduce it right now my account is at negative and they won't listen please let them know when they do that I get a fraud detection for my bank and they need to work out a plan where I can afford to pay them off and now they are charging me more money that I can't afford I'm at a XXXX and I think {$40.00} and I will and they keep reducing it when I don't have the money and I'm broke they don't understand I can't afford to pay that off and I've been paying it off and they keep increasing my payment and I can't afford that
Product: Checking or savings account

This isn't the first time I have had issues with this company ( Optum Bank ) to get disbursements from my XXXX. But, this time, I submitted reimbursable expenses for XXXX on XX/XX/XXXX and I checked twice and the transactions are still pending. After calling my HR department they said it is because I submitted XXXX expenses to the XXXX account which has a XXXX balance. That was what I was told before to do because that is the way Optum Bank tracks and matches up XXXX expenses with XXXX disbursements. It has been " pending '' for 3 weeks and no one has contacted me to tell me they will be denied or I need to do it another way. This company is the worst and has no clue what they are doing. Not even sure why we pay them to handle our XXXX reimbursements because it is very inefficient for our company due to the issues we are having.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and there are items on my account that do not belong to me.
Product: Debt collection

Collection company Caine & Weiner ( file number XXXX ) placed a debt on my credit report that doesn't belong to me. XXXX XXXX XXXX, the collector of my account at Caine & Weiner, informed that they provided the correct information for the person that they were looking for ( wrong address, birthdate, and license number ), but XXXX entered the wrong information and placed it on my credit report. When I talked to a rep with XXXX they blamed Caine & Weiner, and said they would have to submit information to correct it. Meanwhile i'm stuck with a negative account on my credit report that doesn't belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 3rd time trying to fix the errors of this alleged account. I wrote two letters both XXXX and XXXX of XXXX, but yet inaccuracies still remain. I have attached a photo proof below of the inconsistencies and inaccuracies that have been continuously verified. The date of last activity in different across all three bureaus XXXX  shows XX/XX/XXXX, Experian shows XX/XX/XXXX and XXXX  has XX/XX/XXXX. Please tell me how this information was verified by the same creditor but still report inconsistently across three bureaus? I have a right to an accurate credit report please delete this unverified inaccurate account immediately. 


Account Name : US DEPT ED Account # : XXXX Account Name : XXXX Account # : XXXX Account Name : XXXX Account # : XXXX