23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I received a letter from  Chase s tating that they lowered my available balances on my credit cards from  XXXX  to  XXXX  on my  XXXX   XXXX   MasterCard  and from  XXXX  to  XXXX  on m y Amazon MasterCard. Th ey cited other accounts that have nothing to do with my great standing  with Chase. I worked at length to pay down my balances and I 've never been late on my payments and alw ays maintained a quality relationship. My financial due diligence with them was rewarded with decreased available credit. Had I known this would happen for paying my account on time I would have simply kept the  XXXX  balance and not worked so hard to pay this card down.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the inaccurate reportings with XXXX, Experian, and XXXX  several times to no avail. The following addresses are incorrect and do not belong to me, XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX and XXXX XXXX XXXX. I never paid the following accounts late, XXXX  XXXX : XXXX  is reporting a payment status of 30 days late, Experian and XXXX  are not reporting this account, XX/XX/XXXX XXXX : XXXX  is reporting a payment status of 30, 60, 90 and 120 days late, Experian and XXXX  are not reporting this account. XXXX : XXXX  is reporting a payment payment status of 120 days late, Experian is reporting a payment status of 30 and 60 days late, XXXX  is reporting a payments status of 30, 60, 90 and 120 days late. The following accounts do not belong to me and should be removed from my credit file, XXXX XXXX XXXX Account Number XXXX XXXX   is not reporting this account, Experian and XXXX  are reporting an opened date of XX/XX/XXXX, XXXX Account Number XXXX XXXX  and Experian are not reporting this account, XXXX  is reporting an opened date of XX/XX/XXXX, XXXX XXXX XXXX Account Number XXXX XXXX  is not reporting this account, Experian and XXXX  are reporting opened dates of XX/XX/XXXX. I have reached out to the credit bureaus to help me in getting this matter resolved. Is XXXX, Experian and XXXX  considered to be furnishers? These accounts either do not belong to me or were not paid late and XXXX, Experian and XXXX  have failed to plead their case to who has provided them with this false information. Please help me to get this matter resolved.
Product: Credit reporting or other personal consumer reports

Remove for incorrect name on collection, Second reason please see attached. 
violation of my cONSUMER LAW of 1933 rights/ FCRA RIGHT attached
Product: Credit card

On XX/XX/XXXX, my XXXX account was hacked and XXXX unauthorized purchases were made with my Chase credit card. XXXX for {$110.00} and XXXX for {$130.00}. 

Chases fraud detection service notified me via text, and I immediately answered that " NO '' I did not authorize these purchases. 

I did not authorize these purchases nor did I have access to my XXXX account, since it was hacked and the password was changed. 

I also called Chase Bank, and reported the fraud to them, explained the situation, and had the credit card cancelled and replaced. 

On XX/XX/XXXX, I was called by Chase 's fraud detection team and was notified that I am now responsible for these charges because their investigation determined that " I received benefit from this transaction ''. 

Not only did I not receive benefit from this transaction- I also do not make or authorize such transaction to be made.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute an inaccurate entry on my credit report regarding a XXXX late payment reported by XXXX XXXX XXXX for XX/XX/year>. I have been actively disputing this information, as I believe it is incorrect and does not accurately reflect my payment history. 

I have submitted comprehensive documentation that proves I was never late on my payments during this period. This documentation includes bank statements, payment confirmations, and written correspondence from XXXX XXXX XXXX, all confirming my timely payment history. Despite providing this evidence, my Experian credit report has not been updated to reflect the accurate information. 

The continued presence of this erroneous late payment on my credit report is severely impacting my ability to obtain new credit and secure housing. Lenders and landlords rely heavily on credit reports to assess risk, and this inaccurate information is unjustly hindering my opportunities for financial growth and stability. 

Additionally, I would like to bring to your attention the recent lawsuit against Experian by the Consumer Financial Protection Bureau ( CFPB ). This lawsuit highlights the critical importance of accurate credit reporting and the responsibility of credit bureaus to ensure the information they provide is correct. I trust that Experian is committed to addressing these issues and will take my dispute seriously. 

I urge you to review the documentation I have provided and take immediate action to correct this misinformation on my Experian report. It is crucial for my financial well-being that my credit profile accurately reflects my credit history. 

Thank you for your prompt attention to this matter. I look forward to your swift response.
Product: Money transfer, virtual currency, or money service

Hello, I have $ XXXXUSD with proof of fund I request XXXX XXXX to wire it to me but she got more $ XXXXUSD then transfered to XXXX XXXX HSBC XXXX to demand me to pay more fees, if they wired it to me I would invest in my VIP Plan to get 8 % per day until now it has been two months I would get over $ XXXXUSD but HSBC XXXX hasn't released my funds and hasn't abibe by my demand and instruction. I'm the beneficiary of $ XXXXUSD with proof of fund please refer to files that I attach with this complaint
Product: Credit reporting or other personal consumer reports

The company is reporting negative activity on my credit report that was cause by identity theft. Original company ( XXXX ) not doing a proper investigation. Experian and XXXX not doing a proper investigation on the information being sent to them
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently found out an account was placed on my credit report that belongs to my daughter. It shows delinquent. However, no one called me about this account. Ive talked with XXXX and XXXX about this, and each referred me to the other. I asked why no one contacted me, and Was told they called me, and they gave me a number that was not my number. They said they knew it was not a good number. Said I should have called and reported a number change, but I said How was I to know you had wrong number? The customer service person read a number off to me which was not my telephone number. I asked how they could place something on my credit without even trying to call me or reach me. I even stated if they would remove this from my credit I would like to pay it off for my daughter if I could negotiate a lower rate. No one will work with me for a lower rate or help remove this from my account. I was told I was the co-signer. Even though I dont remember co-signing this loan, Im willing to help my daughter and try to work something out if they will remove this from my credit. Its not my debt However, as co-signer on this loan dont I have a right to be notified? They even admitted not contacting me several times. I worked so hard to have good credit, now its ruined. I am XXXX. Please help me. I will pay account off, now that I know, but just dont think this is fair to be on my credit nd not be given a chance to make things right. My daughter has brought account current. Please help me remove this negative mark from my credit. Thank you in advance for any help you can give me.
Product: Credit reporting or other personal consumer reports

This is in response to the verified no change letters and emails I received regarding the charge off accounts on my attached credit reports. 

I followed your instructions to contact the companies responsible for placing this inaccurate charge off account on my credit report. However, despite all my efforts, the furnishers did not respond to my inquiries and EXPERIAN LOCKED MY ACCOUNT ACCESS! 

It is evident that this charge off account is inaccurate, as the creditor failed to provide any valid proof of its validity. According to the Fair Credit Reporting Act ( FCRA ), if the creditor can not substantiate the accuracy of these accounts, they are not permitted to report it to the credit bureaus. 

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

accordance with the fair credit reporting act XXXX XXXX capital bank  XXXX Has violated my rights 15 U.S.C. 1681 SECTION 602 States I have the right to privacy 15 USC 1681 Section 604a Section 2 it also States a consumer reporting agency can not famish a account without my written instruction
Product: Debt collection

Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. [ Identify item ( s ) resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc. ] Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled.

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX PLEASE DELETE ALL THE INQUIRES OFF MY ACCOUNT ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX copy of my Identity Theft Report and proof of my identity. 

A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. I appreciate your prompt attention to this matter, and await your reply.
Product: Credit reporting, credit repair services, or other personal consumer reports

LVNV Funding LLC this account was opened from identity theft. I have tried and tried to explain this, but am told the information is accurate. Of course its accurate that is how the account was opened in the first place. My unemployment insurance was even hacked. The only things that should be on my account is my XXXX  loans and XXXX XXXX XXXX I put it on my mamas grave i did not open, nor do i have knowledge of this account. Im not sure what else i can do to get this removed. They act like im XXXX about it. I have no reason to whatsoever. Im just trying to recover from all the problems Ive had since my identity was taken. Even my unemployment was hacked. First they hacked the account and once i got that straight and unemployment was exhausted, they tried to open a new claim. I had no knowledge of of this account until i seen it checking my credit scores. Thank you for any help whatsoever in this issue, it is much appreciated!!
Product: Payday loan, title loan, or personal loan

The branch manager of pioneer credit has came to my workplace 4 times over the last month. My boss is getting very tired of it as I am as well. She is not supposed to come to your place of employment. Also has been calling a person she thought was my boss which has caused other problems and I may not have a job due to this. I was Sent home on numerous occasions because of this. I would appreciate this being looked into as my information should not be brought to the publics attention. That is violating the privacy act.
Product: Debt collection

XXXX is reporting a charged off collection with a third party service i do not have a contract with those third party servicers such as XXXX and XXXX, and resurgents these are now by law CERTIFICATES OF INDEBTNESS AND IS BEING REPORTED AS INCOME AND ACCORDING TO THE LAW THIS IS ILLEGAL I HAVE NO LIABILITY TO ANY THIRD PARTY COLLECTOR I WOULD LIKE FOR THOSE TWO COMPANIES TO PROVIDE ME WITH AN ORIGINAL CONTRACT BETWEEN US THAT PROVES WE HAD AN AGGREEMENT.
Product: Mortgage

After years of requesting proof of ownership and being ignored, only to receive what I have found to be fraud. My trying to resulve this issue has cost me my small retirement and many sleepless nights and getting the same results for free from HUD services, my total bill was XXXX dollars reduced to XXXX dollars total. I believe that I am the victim of an ongoing crime regarding the foreclosure action on property I own. I was notified that foreclosure had been initiated on my property and believe there is substantial securities fraud as well as other crimes that have occurred or are occurring at this present time. After spending time studying financial matters, the law, and making inquiries of, and discussions with knowledgeable persons regarding the origination of the purported loan on the property ; I have discovered that there has been, what appears to be, a counterfeit copy of the Mortgage Note presented as proof of claim by a certain group of people, including, but not limited to, agents of the mortgage company Shellpoint Mortgage and attorneys working for them. I believe there is a conspiracy to take my property unlawfully through foreclosure using counterfeit securities as evidence of a purported debt and believe there are multiple individuals involved in this crime. I have made demands that the individuals involved provide proof of their claim.These copies are, in fact, counterfeit securities under 18 U.S.C.-474. ( counterfeit security ) as evidence to attempt to defraud me.
Product: Debt collection

I wrote to Collection Bureau Ame on XX/XX/2020 regarding account # : Unknown for the amount of {$390.00}. COLLECTION BUREAU OF AMEXXXX XXXX has not responded to me at all. I is now over 30 days and they also have not sent me proper validation despite my formal request. I have attached the copy of my letter to them.
Product: Checking or savings account

Chase responded with ridiculous reasoning -- Chase only deals with my former attorney XXXX XXXX, a rogue lawyer and my complaint as urged by California Bar Association is being filed. Chase is doing everything to steer me away while the bank illegally keeps the fund of around XXXX plus years of interest. Will call CFPB to discuss.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C. 1681c-2 and to request that this information be blocked. I have enclosed a copy of my FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support identity theft claim. Under 15 U.S.C. XXXX when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 

The following information on my credit report is the result of identity theft and should be blocked : 1. XXXX XXXX XX/XX/year> As required by 15 U.S.C. 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for XXXX year, at which point I may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting this fraudulent account in my report and TransUnion has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire new financial products. 

I have requested contracts from this company with my information but I have not received any response from them, please help me immediately delete this account. 

Here I add the FTC report hoping that you make a better decision in m y situation. 

Thak you
Product: Credit reporting or other personal consumer reports

Subject : Complaint Against Transunion for Violation of 15 U.S. Code 1681i ( 5 ) and Failure to Remove Inaccurate Account Information Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Transunion for its repeated failure to remove inaccurate account information from my credit report following two reinvestigations, which is in violation of 15 U.S. Code 1681i ( 5 ) of the Fair Credit Reporting Act. 
Account Information : Account Name : XXXX XXXX Account Number : XXXX Date of Charge XXXX Amount : {$0.00} Despite providing clear evidence of the inaccuracies in the above-referenced account and requesting its removal from my credit report, Transunion has failed to comply with the law and has retained the inaccurate account information.

The Fair Credit Reporting Act mandates that if a reinvestigation does not resolve a dispute, the credit bureau must delete the disputed information within five business days. The repeated failure of Transunion to adhere to this requirement is a clear violation of 15 U.S. Code 1681i ( 5 ) and has caused me financial harm and distress.

I am requesting that the Consumer Financial Protection Bureau investigate this matter and take immediate action against Transunion for its non-compliance with the Fair Credit Reporting Act. I am seeking the immediate deletion of the inaccurate account information from my credit report and appropriate measures to ensure that Ttransunion upholds its obligations under the law. 
Thank you for your attention to this matter. I look forward to a prompt resolution and your assistance in rectifying this issue.
Product: Credit reporting or other personal consumer reports

Delete these inquiries. I have no knowledge of them, and the company acted without informing me.
Product: Credit reporting or other personal consumer reports

These accounts are reporting late as reported in my 3 Credit bureaus. These accounts should not be showing the current status of 30 and 60 days late since its already been paid for. It seems impossible to accrue late on an accounts that hae already been paid. Please report the payment status positive and update all late from reporting on these accounts. XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I have a Problem with how my Mother 's Death is Being used for Profit. In XX/XX/XXXX my Mother Passed away and I was on Her Mortgage as a Co borrower.At That time XXXX had the Loan. I Submitted my Mother 's Death Certificate but my name is not on her death certificate as power of Attorney.So The Loan Was sold To Penny Mac Loan services and was done as a way to profit off my Mother 's Death.Penny Mac Got the Loan in the about XX/XX/XXXX.Heres were the situation went totally wrong, Once the death certificate got to Penny Mac They should have went at the Power of Attorney for the Pay off of the loan.Instead they came after me and clearly came with the intent to scam me out of my mother 's home. In XX/XX/XXXX the Home went into foreclosure and the Power of Attorney wasn't held accountable for the funds to pay off the home. I was held accountable, but I wasn't the power of attorney over my Mother 's Estate.I was continually harassed for 5 year 's by Penny Mac unfair business practices.On XX/XX/XXXX, Penny Mac Sold the Loan to XXXX XXXX XXXX once they figured that they over looked the name of the power of attorney on my mother 's death certificate.Now XXXX is trying to continue this illegal game of Death. I am not the power of attorney of my mother 's estate. My Mother was the primary holder of the Loan and I was a Co borrower.The Power of Attorney on my mother 's death certificate should be held responsible for any dealings with these mortgage companies.Once the company 's realize they made a horrible mistake by how I was and am being treated, what will be done. Both companies should have my mother 's death certificate so they should have to produce it with a explanation of this Illegal Practice.
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 XXXX XXXX XXXXXXXX XXXX ran a hard credit report on me without my consent. It was reported on my Transunion credit report. I have asked tarnsunion to remove this inquiry because it was not authorized by me but they refuse to take a dispute. I contacted them and they told me to get a letter from XXXX XXXX  authorizing removal. When I contacted XXXX XXXX they said they had no record of me in their system.
Product: Money transfer, virtual currency, or money service

Illegal activity utilizing cash app they penalize and stop me for using my account