23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

THE XXXX XXXX ACCOUNT ( LETTER ATTACHED ) DOES NOT HAVE ANY DELINQUENCIES PER THE CREDITOR ITSELF FOR WHICH THEY HAVE APPROVED. 
PLEASE HELP ME TO REMOVE THESE NEGATIVES LATES FROM EXPERIAN AND XXXX. BECAUSE THEY ARE NOT COOPERATING. 
THANK YOU
Product: Credit reporting, credit repair services, or other personal consumer reports

SECOND REQUEST I was reviewing a copy of my credit report and discovered it contained some errors pertaining to the following Personal Information. I am requesting that you promptly update and delete names variations that are not accurate, addresses that I never resided and may possibly be relatives address, and employers that are not accurate. 

My name is : XXXX XXXX - DOB : XXXX - SS # : XXXX All other name variations are not accurate : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX My current and only address is : XXXX XXXX XXXX, XXXX XXXX, OH XXXX All other addresses are not accurate. Please REMOVE/DELETE these addresses IMMEDIATELY : XXXX XXXX XXXX, XXXX, GA XXXX, XXXX XXXX XXXX XXXX, XXXX, OH XXXX, XXXX XXXX XXXX, XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX, XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX XXXX OH XXXX My current telephone number is : XXXX - All other phone number are not accurate. Please REMOVE/DELETE these phone numbers IMMEDIATELY : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX My current employer is : SELF EMPLOYED - All other employers are not accurate. Please REMOVE/DELETE these employers IMMEDIATELY : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

In XX/XX/2022, my mother had XXXX  XXXX  me out of literally nowhere, and I decided its time to leave. 

Upon looking for apartments, I saw something that read your credit has to be above XXXX or more. So, that had me curious. I wondered what mine had been, despite being under the impression that I had no credit whatsoever. I had applied to things in the past but always got denied. 

Still, I did it anyway, and what popped up was a fraudulent credit card account by Capital One. Now, this was my first time seeing this, as I hadnt ever gotten accepted for any of my card requests. 

I went to the site and attempted to log in. Immediately after entering my ssi, I was prompted with the option to send a confirmation text to a mobile number. It wasnt mine, but it was my mothers. 

Once I chose the option other method of verification, I entered my own number and was granted access. A little too easily, at that. I then immediately noticed something else. My mothers email was ALSO within the account information, as well as her bank account information. It was directed routed to her bank, where she was withdrawing money to. 

The purchases showed XXXX, XXXX and a few unknown transactions, most likely from XXXX. I recalled her saying she spent $ XXXX {$800.00} on new tires at one point. I do not have a license, only she does. XXXX was for gas. 

Immediately, I decided Id close the account and lock her out of it by changing all of the information to my own, ( as advised by a capital one rep ) so that she couldnt increase the debt that had already been there. ( {$1400.00}. ) That, and because the representatives were sending things to HER email when I reported fraud. There were about five late payments, which added onto the bill. 

Once the fraud alert was placed on the account, I called the police to file a police report, which she tried to sabotage, saying I was out of my mind because I hadnt been taking my antidepressants. Trying to victim blame. 

Because I didnt have anywhere else safe to go after this, I moved from XXXX tXXXX stay in XXXX with another relative. It took me a while to get hold of the police report, though it was soon verified after I sent a certified mail request. 

Despite all of this, once I had submitted the police report to capital one, I had been promised that this would be resolved. Fast forward to XXXXhree or four weeks later, and I received a letter in the mail stating that the charges made to the account didnt look suspicious at all, ( because my mother and I lived in the same household ), and that I was responsible for the current balance in full. 

Frustrated, I contacted XXXX, hoping to get things at least going with them as Capital One failed me in that aspect, but the same result was brought to light. 

Now, because of my mother, and the fact that this credit card company doesnt care about fraudulent cards if it happens between family members, Im in a rut. I can not get an apartment because of my low credit score, and Ive been sleeping on an uncomfortable recliner chair for about nine months now. I am only XXXX. This isnt fair.
Product: Debt collection

I have realized that there are multiple credit inquiries on my credit report all three and a XXXX   credit card that I did not apply for. I disputed the inquiries and go a same old letter stating the inquiries are factual. There is no way these are factual unless these companies can provide a signed documentation with my signature on it which they do not have. Internet fraud is one of the hottest situations today. These companies need to go back to applying for credit in the store where faces can be seen. XXXX aka firestone do not have a signed credit application on file. Anybody can create a online account if they have your information. I will be putting a security freeze on my credit. These are the unauthorized inquiries : XXXX XXXX XXXX Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX BANK NA Inquiry : XX/XX/XXXX Contractors ( XXXX ) XXXX XXXX XXXX BANK NA Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX XXXX XXXX BANK NA XXXX Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX XXXX CARD Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX XXXX BANK XXXX Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX XXXX BANK Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX CO DUAL CARD Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX XXXX XXXX  Inquiry : XX/XX/XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX BANK XXXX Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX XXXX DC Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX These inquiries and XXXX is ruining my credit tremendously. I do not even own a vehicle so I would not have a reason to apply for a XXXX card.
Product: Mortgage

I've filed 2 online request and one verbal request, by phone, to have Loancare issue payout balance. I am in the process of refinancing my mortgage with XXXX XXXX. Loancare refuses to issue my payoff balance. My 1st request was on XX/XX/XXXX and again on XX/XX/XXXX and on the phone a 3rd time on XX/XX/2020. I have a screen shot ( attached ) of my request on XX/XX/XXXX. I also have the employee 's ID number XXXX. He is the person I spoke to on XX/XX/XXXX. 

Company is Loancare , LLC phone is XXXX website is https : //www.loancareservicing.com/company/contact-us/
Product: Credit card or prepaid card

I had not received my replacement Bloomindales credit cards. I am signed up for automatic balance notifications from Bloomingdales credit card and on Monday XX/XX/XXXX received an email from Bloomingdales credit card that I had a balance of {$710.00}. I immediately called and reported that I had not received the card and reported fraudulent charges. On XX/XX/XXXX another fraudulent charge in the amount of {$580.00} was posted to my account despite having reported the card missing and the XXXX fraud. Bloomindales Credit Card sent me a letter today XX/XX/XXXX stating they completed their investigation and found that an authorized user on my account ( XXXX XXXX ) authorized the charges which were made at a XXXX store on XXXX XXXX in XXXX. XXXX XXXX did not make the charges since I had not received the replacement cards. I will not pay Bloomingdales for fraudulent charges and requested that they send me 1 ) proof that they validated the ID for the alledged XXXX XXXX, which if did occur had to be fake ID and 2 ) signature proof that XXXX XXXX signed for the purchases. Again I will not pay for these fraudulent charges and would like the balances removed from my account
Product: Debt collection

I am writing to formally file a complaint regarding a recent experience I had while applying for an apartment. I submitted an application for an apartment and paid a security deposit of {$380.00}. Unfortunately, my application was denied for reasons that were not clearly communicated to me. Following this, I received a check in the mail for the return of my security deposit.However, what concerns me is that the property management accused me of attempting to commit fraud to obtain my money. This accusation was unfounded and has caused me significant distress and they've recently sold the debt to a XXXXrd party collection agency. I assure you that my intentions were legitimate, and I adhered to all application procedures.I would appreciate your assistance in addressing this matter, as it has negatively impacted my experience in the rental market. I seek clarification on my rights in this situation and how to prevent such misunderstandings in the future.Thank you for your attention to this matter. They even tried to give me the wrong address to prevent this from being disputed off due to false information.
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 USC 1681. 

XXXX : Account Number XXXX XXXX XXXX : Account Number XXXX XXXX XXXX XXXX : Account Number XXXX XXXX XXXX : Account Number XXXX XXXX XXXX : Account Number XXXX XXXX XXXX  XXXX XXXX : Account Number XXXX XXXX XXXX XXXX : Account Number XXXX XXXX XXXX : Account Number XXXX 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 an 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.
Product: Debt or credit management

Since XX/XX/XXXX Lexington Law Firm they have been charging me monthly to fix my credit and send letters to the credit reporting companies. {$130.00} per month has been taken from me. I asked to cancel previously and they said there are no notes or calls and I wont be getting refunded. They said they do the work and then charge me for the work each month. They refused to escalate me further and now I am out {$830.00} I am a single mother and I am not currently working this is very frustrating. 
I am an injured party. 
XXXX Lexington Law. All rights reserved. John C. Heath, Attorney at Law, XXXX XXXX  Lexington Law, and of counsel XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Lexington Law FirmXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

JPMCB CARD ON Inquiry date XX/XX/2023 REQUESTED MY CREDIT PROFILE THAT I DID NOT AUTHORIZE I WAS SENT A 'PRE-APPROVAL '' FOR MY BUSINESS AND THE WEBSITE STATED THAT IT WOULD NOT CHECK MY CREDIT AT ALL AND IT HAS. I HAVE ZERO ACCOUNTS ASSOCIATED WITH THE INQUIRY AND WAS MISLEAD
Product: Credit reporting or other personal consumer reports

I looked at my report back on XX/XX/year>, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. These accounts [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, [ XXXX XXXX  ], are not complete and accurate. 

[ XXXX XXXX ] open date is not reporting correctly, date last active, report date, high balance amount, this account is not accurate [ XXXX XXXX  XXXX XXXX ] high balance amount, date last active, report date, closed date this account is not accurate XXXX XXXX ] open date is not reporting correctly, date last active, report date, high balance amount, this account is not accurate
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 2nd complaint against Equifax Information Services. I contacted them 4 times prior to filing a complaint on XX/XX/22. Equifax is failing to comply with FCRA Sections 611, 616 & 617. Equifax is reporting an account in error & when I filed a complaint they passed the buck back to the data furnisher & closed the complaint in 5 days. They DID NOT INVESTIGATE OR PROVIDE ME WITH ANY VERIFIABLE PROOF OF THE INVESTIGATE. This is a strict violation of FCRA laws. I need them to be held accountable for failing to comply with FCRA laws. ...

Here is my previous dispute- Equifax is consistently ignoring my requests to update an account which the data furnisher has already admitted they're reporting erroneously. XXXX # XXXXreported I was late on my payment. But they had closed the account & never adjusted the accounting accurately. EQUIFAX has not done their job in verifying this information. I've contacted them numerous times over the phone as well as XXXX. The account is in good standing. EQUIFAX has failed to comply with FCRA Section 611 where they're supposed to get verifiable proof. They're also violating section 616 & 617 by willful noncomplying with FCRA laws. I need both XXXX & EQUIFAX to update their records to reflect a positive tradeline. I'm currently suffering emotional stress which is causing performance issues at my job. I need this matter handled ASAP. Please update to closed/never late. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

To Experian if you dont remove this negative inaccurate accounts from my credit report immediately we are going to arbitration XXXX XXXX XXXX  XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to express my deep concern and frustration regarding the numerous unsuccessful attempts I have made to rectify the inaccuracies in my credit report, specifically in relation to a late open account. Despite my continuous efforts to correct this issue, my credit report remains inaccurate and negatively impacts my financial well-being. 

The specific issue I have been trying to address is as follows : There is a late open account listed on my credit report that inaccurately reflects my credit history. This error is severely affecting my credit score and causing financial difficulties. 
I have made several attempts to dispute this inaccuracy by following the procedures outlined in the Fair Credit Reporting Act ( FCRA ). Each time, I have provided clear explanations and submitted supporting evidence to substantiate my claim. 

Unfortunately, my efforts have not yielded the desired results, and I continue to encounter the following issues : My previous dispute letters and supporting documents have not received a timely response, leaving me in the dark about the status of my dispute. 

The delay in addressing this inaccuracy has caused financial hardships and has adversely affected my ability to access credit and financial opportunities. 

The presence of this inaccuracy continues to harm my credit score, making it challenging to secure fair lending terms and credit opportunities. 

I understand the critical importance of accurate credit reporting for both consumers and creditors and am fully committed to working with your credit bureau to ensure the correctness of my credit profile. However, the lack of responsiveness and efficiency in addressing my concerns has left me feeling frustrated and powerless. 

I kindly request that you conduct a thorough investigation into this specific inaccuracy, rectify it promptly, and provide me with timely updates on the status of my dispute, as mandated by the FCRA. 

Enclosed with this letter are copies of my previous dispute letters, supporting documentation, and certified mail receipts, providing evidence of my earnest attempts to rectify this inaccuracy. I am asking for your assistance to correct the said late open account in 3 credit bureaus : XXXX XXXX XXXX Balance Owed : {$700.00}.
Product: Mortgage

My mortgage account was sold to BSI financial as of XX/XX/XXXX. I tried to make my XXXX payment with BSI ( first payment with them ) I made an online account and right off I see it says 61 days late. WHAT!!?? This is my first payment to them. I havent been with them 61 days. My last payment was to my old Mortgage lender. Due to this 61 day late thing I was unable to pay my payment. So first thing Monday XX/XX/XXXX I call they are closed. First thing today I call only to be put on hold for an hour then hung up on. I call back and had to leave my number. Finally at XXXX I get a call back from a very rude lady hacking up a lung on the phone who says she is unable to take my payment and there is nothing she can do on her end with the payment and the false information on the website. She stated she will email somebody and will get back to me. I demanded to be attached to said email and she stated NO very rudely. So again I demanded to be emailed something stating I called to make a payment and they refused to take it. She got upset but agreed. I have yet to get said email and worried from the reviews about the shady stuff this company has been doing this problem will get worse before better. All I want to do is make my payments and have corrected information posted to my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXX XXXX Balance : -. It is clear that Equifax is in the wrong here since these accounts are only reporting on their bureau.
Product: Credit reporting

The creditor is XXXX from XXXX, DE. I did default on this loan and it was charged-off. I did recently paid this debt in full at the full pay off amount of {$1300.00}. Prior to me paying this debt off, I found out this debt was being reported as the following : On my XXXX credit report, it shows as being charged-off, but the account name shows XXXX/XXXX. I never had a loan with XXXX XXXX. I 'm not sure why this is even listed. There 's no information showing on my XXXX credit report. On my Transunion credit report it shows the account as being open, with a 90 day past due status. If a creditor saw this they would think the account is still open. There is a lot of inaccurate information on my credit reports. Also, prior to me paying off this debt with XXXX I sent a certified letter to XXXX XXXX as that was listed on my credit reports ( I found out they handle lots of accounts including XXXX, again I signed a contract with XXXX, not XXXX XXXX ) wishing to settle this debt in return for possibly deletion of the negative information from my credit reports. I never got a written response from this company, so I called them, they stated they do not settle accounts and I ask if I would get something in writing and they said " No '' .So I contacted XXXX directly and just paid the debt. This is why I 'm contacting the Bureau of Consumer Financial Protection so I can be assured that I will get a response and update to my credit reporting issue.
Product: Credit card

In accordance with the fair credit reporting act, this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604a section 2, also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USCs 1666b, a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Checking or savings account

My name is XXXX XXXX and I have had a chime account for 6 months now. never had a problem until recently where my account use has been suspended for some unknown reason. When I call Chime, I am told to send in my personal documents in order to verify I am who I say I am, and I still send the documents. I am a XXXX XXXX  who XXXX XXXXXXXX XXXX  I have no interest in any fraudulent activity and it is imperative that I have access to my money. I have no money at the moment because I can't get into my account. I have not violated any terms of agreement and use chime for everyday spending such as food and clothes for my family. Could this situation be rectified promptly, It is now going on 3 days and I have no response from Chime. I received my direct deposit 2 days ago and suddenly now there is a suspicion of unusual activity, when I receive the same check from the same school every 2 weeks. I have called, I have emailed, I am unhappy and would like to know the status of this investigation into my account. I literally have nothing without my account and need access to my money. I have committed no fraud, I am an honest working man who is a father and a XXXX. I need to feed my family and this procrastination is honestly inhumane and morally wrong. I have committed no crime, I work hard for my money and for it to be stripped from me because of an error a need answers.
Product: Credit reporting or other personal consumer reports

This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX : {$670.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$17000.00} XXXX  XXXX Balance : {$0.00} XXXX  XXXX Balance : {$500.00} XXXX XXXXXXXX Balance : {$190.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$1300.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$670.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX ) XXXX Balance : {$260.00} XXXX XXXX XXXXXX/XX/2023 XXXX XXXX XXXX XX/XX/2023