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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX Subject : Dispute of Inaccurate Credit Report Entries from XXXX XXXX XXXX. 
Dear Sir/Madam, I am writing to file a formal dispute regarding inaccurate credit report entries from XXXX, XXXX XXXX have been reported to my credit file. Specifically, I have discovered XXXX accounts from XXXX XXXX XXXX reporting late payments dating from XX/XX/XXXX to the present. I am concerned that these entries are fraudulent, as I have never opened any accounts with XXXX, XXXX. 
Upon reviewing my credit report, I was alarmed to find that these accounts were linked to my personal information, and late payments have been reported that I did not incur. I believe that my personal identification ( ID ) has been compromised, and that someone may have opened these accounts fraudulently in my name without my knowledge or consent. 
I have already attempted to resolve this issue directly with XXXX XXXX XXXX, but unfortunately, my efforts have not resulted in any resolution or assistance from the company. Additionally, I have contacted XXXX, XXXX of the major credit bureaus, to dispute these entries and provided them with all necessary documentation to verify my claims. However, despite these efforts, the accounts remain on my credit report. 
I would like to formally request that these accounts be deleted from my credit report, as they were opened without my consent and I did not authorize any third party, including XXXX XXXX XXXX, to share my personal information. As a consumer, I am entitled to have accurate and fair information reported about my credit history, and I am requesting that you assist me in rectifying this matter. 
Please investigate this situation promptly and ensure that these fraudulent accounts are removed from my credit file. I have attached relevant documentation, including my dispute correspondence with XXXX XXXX XXXX, and my communication with XXXX, to support my case. 
Thank you for your attention to this matter. I trust that you will take the necessary steps to protect my rights as a consumer and to assist in the removal of these fraudulent accounts from my credit report. 
Sincerely, XXXX XXXX XX/XX/XXXX XXXX FTC Report XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureau mistakenly changed the " Reporting Date '' for the closed XXXX foreclosure # XXXX on my credit. There is no reason for this to have happened. Two months ago, this account had a " XXXX '' balance with a Last Reported date of XX/XX/XXXX. It has been this way for years. Somehow, the credit bureau has now changed the " last reporting date '' to XX/XX/XXXX. This is clearly a problem because there has been no new activity for this account and this is causing my scores to be affected negatively! How can there be a new reporting date for an account that has been closed for over three years? This does not make any sense. I am including screenshots from saved credit reports I have for XX/XX/XXXX and XX/XX/XXXX. You can clearly see the credit bureau is now reporting " XX/XX/XXXX '' as the Date Last  Reported. I need this to be changed back to " XX/XX/XXXX '' immediately. I am trying to get a mortgage and I have been turned down because of the credit bureau 's inaccurate change to this account.
Product: Credit reporting or other personal consumer reports

A letter requesting verification and or removal of incorrect information was sent to Experian on XX/XX/XXXX, which was met with an email on XX/XX/XXXX stating they believed the request was not approved or initiated by me. That the request was not to be actioned on, and that encouraged me to only submit a request of this nature or dispute via their online portal or by phone. With no option to confirm my identity and/or verify that the request was authorized. Another letter informing them that the letter requesting this information was in-fact approved and sent by me was sent on XX/XX/XXXX. This was met with the same email as received on XX/XX/XXXX informing me that the request was not going to be actioned on. This is obviously a stalling tactic to drive the consumer to not submit a request like this in writing or via a medium they have control over, or at worst drive a consumer to such frustration that they no long pursue the request further.
Product: Credit reporting or other personal consumer reports

to whom it concerns I sent certified letters to the credit collection agencies alerting them that they are reporting bad information and they are reporting incorrect accounts I ask them to delete the inaccurate information and they did not do so, I sent my letters to Equifax, XXXX, XXXX and they did not respond are delete what I told the to delete in my letters
Product: Credit card or prepaid card

During the covid-19 crisis like many I lost my job. I immediately contacted all my credit card lenders to see what they were offering their customers at this time. Capital One is the only company to give me such a hard time I spoke to 3 different call reps and 1 senior in charge. I made a XXXX $ cash advance transaction in XXXX, Ive been making my payments when I noticed a XXXX interest charge on my bill each month. At first I thought nothing of it because I was working, now being out of work I tried to see if they could suspend the interest fees and late fees for as long as they could while I try to catch up. Since making my minimum each month means nothing if they are going to just add on $ XXXX interests I will never pay it off in that case. All the associates said they are not waiving the interest fee. I get it they have to make money too but during this time I AM THE MONEY like every other customer they have. During covid-19 all interest and late fees should be waived.
Product: Debt collection

Ref ID # XXXX XXXX XXXX XXXX sold my original debt of {$4900.00} to Credence Resource Management LLC, after their fees the balance was {$5100.00}. I have contacted CRM, by phone and in writing, asking for them to provide me with updated invoices after making a payments. I also asked to make a payment plan and was advised they do not offer payment plans. I called today to get my balance. They confirmed I made a total of {$510.00} towards my debit but {$4900.00} is still due. I was never advised of an on going interest rate. I once again asked for an invoice and interest amount and the rep ignore my question and kept asking for me to resolve the balance.
Product: Debt collection

Company called several times back to back asking for someone else. They refused to identify themselves when they called and Will not remove my number.
Product: Credit reporting, credit repair services, or other personal consumer reports

I saw on my XXXX credit report that there is an account in collections that does not belong to me ( fraud ). I called the collection agency that is listed on X/XX/17 and they were unable to find any account tied to my name and social security number. However, they refuse to remove the account from my report. I also disputed the claim on X/XX/17 with XXXX. They did not remove the fraudulent account from my report.
Product: Debt collection

Diversified consultant is attempting to collect on a debt that was disputed and closed with another company. I 've already filed a claim against this company. The company agreed to delete the collection from all three collections agencies. The company deleted account BUT ADDED it back a few days later for a higher amount.. I do dnt owe Diversified consultant anything the accounts that they are trying to get money on was DISPUTED AND CLOSED.. Diversified consultant and NOT SHOW ME VALIDATIONS OF THE ACCOUNTS.. Diversified consultant bought this old disputed and closed account.
I have not signed anything with this collection company. Diversified h
ave 2 accounts with amounts of {$200.00} and {$290.00}.
Diversified also stated in the claim and letter that they will delete the account from all 3 credit bureaus .. 
I will file a complaint with the BBB asap..
Product: Credit card or prepaid card

CHASE bank is reporting 2 erroneous credit cards to all 2 credit bureaus in charged off status. Now we received collection letters and aggressive collection calls for the cards that do not belong to me XXXX XXXX. Numerous attempts to speak with someone at chase went wasted and in a never ending loop of transfers from one agent to another all asking for a full account number for these credit cards in default. Attempting to explain the fact that these do NOT belong to me thus I would NOT have a full act number went ignored .... Then written request to Chase providing them with a copy of my ID and social #, at first Chase finally responded after almost 64 days, stating they " need more information on these accounts, could NOT find any accounts with information and documentation provided ... ''. Then on XX/XX/XXXX we received a big envelope with a copy of electronic application in the name of XXXX XXXX ( NOT ME ) with address NOT belonging to me, and other personal info of ANOTHER PERSON, not even closely matching to mine ... Again calling and writing chase requesting deletion of these accounts from credit report went ignored ... On XX/XX/XXXX and XX/XX/XXXX XXXX sent more letters NOW stating they confirm that information reported to credit bureaus is correct ... HOW IS IT POSSIBLE THEY PROVIDE ME WITH A COPY OF CREDIT CARD APPLICATION OF ANOTHER PERSON WITH SIMILAR NAME BUT DIFFERENT SOCIAL, ADDRESS, DATE OF BIRTH ... THEN STATE THEY REPORTED THIS CORRECTED TO ALL BUREAUS .... ATTACHED PLEASE FIND EVIDENCE OF THIS VIOLATION ON SEVERAL COUNTS ... 
It is also alarming that a big bang like CHASE can just mail out someone's application revealing their social and other personal info, instead of doing a little research and at least attempt to protect identity of their customers ... this is very very alarming. I will be sending my complaint to attorney general 's office, inspector general and FTC this is wrong and I-innocent consumer should NOT suffer from their lack of compliance, negligence and ignorance ...
Product: Credit reporting, credit repair services, or other personal consumer reports

General Revenue Corporation is reporting debt of XXXX on my XXXX XXXX, XXXX, and XXXX  report. This debt was paid directly to XXXX University, not the in-house collection agency. General Revenue Corporation needs to remove collection agency and balance from all three credit bureau. Please see attached receipts and email from XXXX stating the collection account remove.
Product: Credit reporting or other personal consumer reports

I noticed unauthorized inquires on my credit report that I would like removed. XXXX inquires from Resident Verify and XXXX inquiry from XXXX XXXX.
Product: Credit card or prepaid card

Below are the claims that have been denied. Citibank has disregarded my rights under the credit card agreement. The merchant has not honored these purchases as I can no longer access my account for switch I paid for. 

{$54.00} on XX/XX/2023 {$33.00} on XX/XX/2023 {$33.00} on XX/XX/2023 {$33.00} on XX/XX/2023 {$33.00} on XX/XX/2023 {$65.00} on XX/XX/2023 {$33.00} on XX/XX/2023 2023
Product: Checking or savings account

I deposited a balance transfer check from XXXX, as I have done in the past without issue, on Friday, today I went to check my balance and saw that a hold was placed on my account. I contacted Chase by phone and after going through the first agent, I was placed on a long hold and transferred to the " Loss Prevention Department where a gruff man told me how this activity was " unusual '' ; " People do not write themselves checks and deposit it into their own accounts! '' - They do when it is a balance transfer check. 

He then told me that I needed proof that the funds had been disbursed, which I could not as XXXXhase had a hold on my account, and two forms of ID and take it to the local branch. The local branch is one I just filed a complaint about discrimination just two weeks ago. I informed him that I was handicapped and could not go to the branch, and he said " I don't care that you are handicapped, if you want the hold released, that's what you'll have to do! '' The hold was never released, I never received my funds, and Chase continues to discriminate against me!
Product: Credit reporting, credit repair services, or other personal consumer reports

The attached Dispute was provided and ignored. 

Proof of identification from Category 1 Social Security Card and Category 2 Drivers License was supplied and ignored in previous dispute request. The previous submission is attached. The Category 1 AND CATEGORY 2 PROOF IS INCLUDED IN THE LAST PAGES OF THE LETTER AND ATTACHED TO THIS COMPLAINT. 


THIS IS NOT A REPORT OF IDENTITY THEFT XXXX  has ignored ALL previous attempts citing that the use of Law verbatim, formatting, and font implies that my dispute communication is from some other party than myself. This is very frustrating. 

This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. DEROGATORY ACCUSATIONS INCLUDING ALLEGED INQUIRIES MUST BE METRO 2 COMPLIANT TO RETAIN OR REPORT SO DELETE ANY NOT PHYSICALLY WITH PROOF OF PERMISSIBLE PURPOSE FROM THE EXACTLY AND LEGALLY IDENTIFIED ME.I DO NOT AUTHORIZE YOU TO REPORT NOT PROVEN COMPLIANT INFORMATION AND YOU MUST COMPLY. 


I respectfully request your prompt attention on the following inaccurate information on my credit report. For your convenience, the disputed items are listed below. The following item is inaccurate and negatively affecting my credit. Please reinvestigate this matter and delete and/or correct the disputed item. I respectfully request that you provide me with proof of the disputed item, specifically any contract, note, court documents or any instrument bearing my signature. Failing that, this item must be deleted. In addition, there are a number of credit accounts that have been inactive for more than seven years. As you know, the FCRA states that all credit older than seven years should be removed from my report. Therefore, the following accounts should be removed : Creditor : XXXX XXXX/XXXX  - Account : XXXX Creditor : XXXX XXXX XXXX - Account : XXXX Creditor : XXXX/XXXX  - Account : XXXX Creditor : XXXX XXXX XXXX - Account : XXXX Creditor : XXXX   XXXX XXXX - Account : XXXX BALANCE {$1000.00} Creditor : XXXX   XXXX XXXX - Account : XXXX BALANCE {$8500.00} Creditor : XXXX XXXX - XXXX XXXX XXXX XXXX XXXX - Account : XXXX BALANCE {$2400.00} ( DUPLICATE ) Creditor : XXXX XXXX XXXX - Account : XXXX BALANCE {$3500.00} Creditor : XXXX XXXX XXXX - Account : XXXX BALANCE {$2400.00} ( DUPLICATE ) This is a formal notice that your claim is disputed. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act 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 this creditor.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure the maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Under Section 614, restrictions on investigative consumer reports [ 15 U.S.C. 1681l ], you only restrict to investigate my personal file if no adverse information in my report ( other than information which is a matter of public record ) may be included in a subsequent consumer report unless such adverse information has been verified in the process of making such subsequent consumer report, or the adverse information was received within the three-month period preceding the date the subsequent report is furnished. Please correct/repair the accounts listed below : XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I have contacted Wakefield & Associates in XXXX and XXXX of XXXX. This company placed an invalid debt on my credit report reflecting the year XXXX. I explained to a representative at Wakefield on XX/XX/XXXX, that I do not owe any amount to XXXX XXXX XXXX as of XX/XX/XXXX. After speaking with a representative from XXXX XXXX XXXX, they sent an email to me with in a protected message, along with a statement showing a XXXX balance. I also filed a dispute through XXXX. Wakefield & Associates refuses to remove this invalid debt. The money is not owed which has been verified by XXXX XXXX XXXX. At this time, I am being harassed by Wakefield & Associates. After I filed my dispute with XXXX and uploaded the documentation, I was notified by XXXX that Wakefield & Associates provided a verification letter that the account is accurate. The verification by Wakefield is blatantly false. When I have called Wakefield, the representatives are inappropriate on the phone by saying to me, " it's not my problem your problem. '' This statement is evidence that Wakefield has no intentions of removing this account and the invalid debt out of their office. I believe the company is also engaging in deceptive business practices by scamming Medicare and Medicaid beneficiaries, in which I have both benefits for my healthcare needs. Please assist me with this matter and inform Wakefield & Associates of the invalid debt, and inaccurate and unfair debt reporting to credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

Months ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct or delete the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Checking or savings account

I had multiple XXXX accounts. XXXX has changed to a wealth management bank so I received notification that my accounts would be transferred to Citizens Bank. I did not want a Citizens account, so I called Citizens and was told the only way to prevent an account from opening was to fully close my XXXX accounts. I closed my accounts fully with XXXX on XX/XX/2022 ( receipts attached ). On XX/XX/2022 I spoke on the phone with Citizens as well as as XXXX messaged with XXXX at Citizens. XX/XX/XXXX I had written confirmation from XXXX via email that an account would not be opened in my name if my XXXX accounts had been closed. They were away of the date I closed my XXXX accounts. On XX/XX/2022 I received an email about my upcoming account being opened at Citizens. I spent hours on the phone trying to have my info wiped from their database and to get assurance that a Citizens account would not be opened. I spoke with an agent and eventually was able to speak with a manager XXXX on XX/XX/2022 who refused to remove my email from their database and confirmed multiple times that no account would be opened in my name. She told me that our phone call was being recorded but when I asked for a copy for my records, I was refused. I was given an address for Citizens Office of The Chairman ( with no name attached ) from XXXX and I sent a certified letter on XX/XX/2022. I submitted a complaint with the New York State Department of Financial Services on XX/XX/XXXX. They closed the case asking that I submit here instead. This week I have received information that an account has in fact been opened illegally in my name at Citizens after they assured me multiple times that this would not happen. I am attaching photos of the checks and debit card they sent me this week.This company has caused hours of work on my end and between that and the fact that it involves my finances, it has caused a massive amount of stress. Thank you for helping me resolve this.
Product: Money transfer, virtual currency, or money service

Hi, On XX/XX/year>XXXX  I sold a handbag via a PayPal invoice for {$3000.00}. As soon as the money came in, PayPal immediately permanently limited my account. 
My funds, minus PayPal 's fee did not even show up in my PayPal account until XX/XX/year>. I have contacted so many different people and they all claim they can do nothing, that I have to wait 120 days for my funds to be accessible to me. I just want to be able to transfer my money to my bank account as PayPal has taken their cut, the buyer has their item and I am left with nothing for 6 months?
Product: Payday loan, title loan, or personal loan

Customer ID : XXXX. App ID : XXXX, applied for personal loan for XXXX at 36 months. I have attempted to complete the verification task of my drivers license and selfie over 6 times. I am very computer literate. When I get to the stage of taking a selfie, I attempt to take a picture of my face in the oval box as instructed. IT never works, it always claims no face detected. I tried this on 4 different devices all with the same results. Attempted a phone call on XX/XX/XXXX to XXXX, the call was very frustrating with the overseas representative and the poor connection. Obviously, a glitch exists in your computer software.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed XXXX XXXX XXXX  Account XXXX with XXXX and Trans Union 30 days ago. I have not had an account in my name with XXXX XXXX XXXX at any point in time. They are representing XXXX XXXX XXXX and I have never had a XXXX XXXX XXXX account in my name. My ex husband did but he is deceased. This debt was registered in 2021 while I lived in XXXX, Il and I can provide current lease and utility bills as proof. This is now affecting my credit and it is a debt that should never had been attributed to me. I want this removed immediately. XXXX and Trans Union should not be charging you to remove things if they are ethical reporting agencies. If I had paid for their services, which I can not afford to do then this would have been removed.
Product: Credit reporting

EQuifax refuses to remove or delete these items, from my credit report which have not been validated by creditors
Product: Credit card

I had XXXX incidents, which were apparently I cash app XXXX items for {$9.00} each cause I made to lose {$20.00} I did not buy these items I dont even have the app downloaded so I dont know if its the app trying to steal money from me or someone else but no one else has access to my card and they will not return my money back every single time I even try to email and email wont go through to them