23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

On XX/XX/XXXX of XXXX I made an auto payment of {$230.00} toward my XX/XX/XXXX balance. An auto statement dated XX/XX/XXXX reflected the payment on XX/XX/XXXX went toward the XX/XX/XXXX balance, leaving a balance for XX/XX/XXXX of {$230.00}. On XX/XX/XXXX a payment was made for {$230.00}. Bringing the XX/XX/XXXX balance to {$0.00}. 

XX/XX/XXXX Auto Loan statement reflected {$0.00} for XX/XX/XXXX. {$460.00} due on XX/XX/XXXX. 

On XX/XX/XXXX, a successful payment of {$250.00} Was made toward XXXX balance. On XX/XX/XXXX another successful payment was made for {$250.00}. Bringing XX/XX/XXXX balance to {$0.00}. 

On XX/XX/XXXX, a payment was made of {$130.00}. On XX/XX/XXXX a payment was made for {$330.00} toward XX/XX/XXXX balance. 

Ally auto is reporting XX/XX/XXXX payment, 30 days past due and stating XX/XX/XXXX payment was not applied to the current amount due. However their auto statements directly contradict this. This caused me to have a mortgage declined and a closing fall through due to their incorrect reporting costing me thousands and negatively affecting my credit score and chances at obtaining a home.
Product: Checking or savings account

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX first pay day was XXXX XXXX I downloaded chime. Chime advised me to get my old account back I verified got into my old account from before XXXX  chime said XXXX accounts person cool. As Im looking through my account I noticed in XXXX of XXXX, {$6200.00} was in my checking account but I only see {$5.00} as of XXXX XXXX. How I immediately file a dispute, so now its XXXX XXXX its XXXXXXXX XXXX XXXXm going from customer service rep to rep I ask for a supervisor I explain whats going on she sends me a secure link to upload my supporting documentation she assured me everything will be taken care of. XXXX XXXX I call in for an update on my dispute and to also find out why my account has a notice stating on XX/XX/XXXX my account is going to close. By the way chime stats that in a situation such as an investigation with older accounts the account will be accredited the amount in question i received a notification for closure. So XX/XX/XXXX at XXXXXXXX XXXX  Im on the phone with chime a customer service rep tells me my supporting documentation was not with my dispute, I tell him thats impossible because a supervisor did my dispute, this rep helps me send me another secure link. XXXX XX/XX/XXXX access the secure link sent the documents again.called chime to see if the documents was received. While on the phone with them I guess from me asking can I be informed why my account is begin closed out to where is my documents to telling them who I spoke with with dates times and different departments they hung up on me. XX/XX/XXXX I received a email stating upon investigation chime did nothing wrong and my account is begin closed because of suspicious activity. I immediately rebuttal now Im asking to only speak to supervisor 's I uploaded all my documents to the secure link I screenshot each one since no one at chime seems to know where my documents was XXXX XX/XX/XXXX. XXXX my rebuttal comes back chime played no part in what happened those was authorize transactions.and my account was shut down I provided XXXX information I provided property receipt from XXXX stating a phone a watch and a debit card I provided my XXXX account basically anything I purchased while XXXX XXXX  or any services I used all would be in my XXXX account I even provided my XXXX XXXX  receipts from XXXX of XXXX so we can match up with my XXXX account just to help them out to see all money I get spent or used is documented. I provided Documentation for my rent I provided documentation for child support for the month of XXXX. I provided employment history to show for that fiscal time why I was receiving that money from the irs.
Product: Credit card or prepaid card

On XX/XX/XXXX. 2023, I received a letter from Barclays stating that my application for a Barclays Mastercard Black Card was denied because its " review of my prior interactions with Barclays allegedly evidenced cardmember behavior toward Barclays ' representatives which allegedly did not comply with its expectations. '' Please state the date, the time, the name of Barclays ' representative that the interactions was allegedly made, and describe in full detail the specific " prior interactions with Barclay that allegedly evidenced cardmember behavior toward Barclays ' representatives which you contend did not comply with your expectations. '' In addition, please attach a copy of any documentation that you contend supports your response to the above specific questions. Please also attach any Bank policy that you contend that did not comply with your expectations
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter in regarding 2 inquiries and I receive 2 letters back stated the inquiry was deleted from my credit file and it wasn't. 

I have sent in several letters, I have called Equifax informed them that the inquiry still reports on my credit when it wasn't verified along with the letter stating the inquires has been removed ITEMS XXXX XX/XX/XXXX XXXX XX/XX/XXXX copy of letter received from equifax enclosed
Product: Credit reporting, credit repair services, 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 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 has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted BMOHARRIS/BK/XXXX also known as XXXX loans with XXXX XXXX in regards to incorrect reporting on my XXXX report. The account has never been late and was paid in full XX/XX/22, however the creditor is reporting as a charge off collection paid in full with the last payment date of XX/XX/2022.I have disputed with XXXX XXXX times I called the creditor XXXX and requested they update. I filed a complaint with the XXXX  with the result being told that they are reporting correctly and not showing as adverse on their end and being referred back to XXXX to resolve. I am in the process of purchasing a new home and this has impacted my score negatively and significantly compared to the other XXXX credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I requested an investigation of accounts listed on my credit report with tracking number XXXX. Again on XX/XX/XXXX I requested a reinvestigation of accounts listed on my credit report with tracking number XXXX. XXXX XXXX XXXX - XXXX. On XX/XX/XXXX I requested an additional investigation with tracking number XXXX. Additionally on XX/XX/XXXX I provided documentation and a request to the credit reporting agencies via USPS Certified Letters with tracking numbers XXXX, XXXX, and XXXX to remove late payments that should not appear on my credit report. 

Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( b ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

I did not give any Credit Reporting Agency written instructions to furnish this transaction on my credit report. 
Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report CLEARLY STATES : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ;
Product: Credit reporting, credit repair services, 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. 

1. XXXX XXXX : # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

1. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

2. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX  Date of inquiry : XX/XX/2023 Delete From My CREDIT REPORT 3. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/2023 Delete From My CREDIT REPORT 4. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX XXXX, GA XXXX
Product: Credit reporting or other personal consumer reports

Pursuant to XXXX XXXX XXXX, I owe no debt. And upon looking at my credit report I noticed According to the FCRA a consumer reporting agency shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about who the credit report relates. And according to XXXX XXXX XXXX, a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe the info is not accurate. ACCOUNT ( 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.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep frustration and dissatisfaction with the lack of progress in removing fraudulent items from my credit report, despite multiple attempts on my part. These fraudulent items are inaccurately reflecting my financial history and are adversely affecting my creditworthiness and financial opportunities. 

Frustrated by the lack of progress, I made multiple attempts to have these fraudulent items removed from my credit report. Each attempt was met with delays and unsuccessful outcomes, leaving me feeling helpless and marginalized. 

The continued presence of these fraudulent items on my credit report is severely impacting my financial standing and future prospects. I have taken all necessary steps to address and rectify this issue, yet it persists, causing me undue hardship and stress. 

I urgently request that you take immediate and decisive action to investigate and remove these fraudulent items from my credit report. I expect a swift resolution to this matter, including the complete removal of all unauthorized transactions within exact timeframe. Furthermore, I insist on receiving regular updates on the progress of this matter to ensure transparency and accountability. 

Failure to address this issue promptly and satisfactorily will leave me with no choice but to escalate this matter further, including seeking legal remedies to protect my rights as a consumer. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NM XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$120.00} XXXX XX/XX/XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX AZ  XXXX.
Product: Mortgage

I have a current mortgage with Chase. I have been trying to work within the Chase organization to resolve the multiple issues of their Escrow practices. I have reached out to all departments for over XXXX years with absolutely no assistance whatsoever. I have accumulated documentation that needs to be seen. 

Since the re modification of my loan on XX/XX/XXXX, I have had forced insurance in XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX and partial of XX/XX/XXXX. I have had increased mortgage payments annually since XX/XX/XXXX to date. The reasoning has always been an Escrow shortage. I have exhausted all attempts to rectify the situation with Chase. 

I have a XXXX pages of internal documents, that need to be shared. Chases accounting practices and Escrow analysis are completely fabricated. I am not the type of person who normally reaches out, but in this case Chase has left me absolutely no choice. If you would like to view the documents and their accounting sheets they have sent me please contact me and I will send them to you, with in depth information about the situation. My hope is that someone of your stature with assist with actions needed to be taken. Thank you for your time.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to XXXX XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX. XXXX, XXXX XXXX, Texas XXXX ( XXXX ) XXXX. I already had financing set up through my bank but XXXX XXXX and XXXX XXXX XXXX employee said he could get a better rate or match my rate from my bank. I expressed my concern my credit pulling hits and he said that he would run three and two would fall off so I let him run my credit. I ended up with XXXX XXXX and had the loan papers but 4 weeks later was told my loan was now with XXXX XXXX. I asked XXXX XXXX what was going on, his explanation was that he committed fraud. He ran my credit again without permission and never told me my original loan originator pulled their plug. 

Now I have multiple entries on my credit report for credit being pulled. This was fraud and done without my permission or knowledge. Fraud pullings include : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX second time ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I checked my XXXX, XXXX, and XXXX consumer reports and noticed an ongoing issue with Self Financial , Inc. conflicting furnishing of {$450.00} as derogatory but also considered a " charge-off/written off as bad debt '', while I've also being sent emails of monthly balances owed treating the account as open. Self Financial , Inc. is in direct violation of section 607 ( b ) of FCRA, " consumer reporting agencies shall follow reasonable procedures to assure maximum possible accuracy of the information Self Financial , Inc. is also STILL currently charging interest onto the {$450.00} and have been receiving emails of " balance due '' payments as if the account is still open. This is also a direct violation of law 15 USC 1692f 808 ( 1 ) " The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law. '' and 15 USC 1692f 812 ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating.
Product: Credit reporting or other personal consumer reports

This is my 9th attempt to get transunion to remove the closed XXXX XXXX XXXX account # XXXX that appeared on my credit report. It is fraudulent/merged file identity theft. I provided the FTC and police reports along with multiple Transunion and CFPB disputes. 

Transunion keeps responding that the account has come back UN VERIFIED but have yet to remove the inaccuracy from my credit report. 

The name reporting attached to this XXXXXXXX XXXX XXXX account with account # XXXX opened on XX/XX/year> is XXXX XXXX XXXX XXXX. My name is XXXX XXXX. 
Per the FCRA 15 U.S.C 1681c-2 section 605B : ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

( b ) Notification. A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a ) of this section ( 1 ) that the information may be a result of identity theft ; ( 2 ) that an identity theft report has been filed ; ( 3 ) that a block has been requested under this section
Product: Credit card or prepaid card

This is most ridiculous bank ever. They promise you something and never keep up the promise. There was a late fee of {$29.00} on my account in XX/XX/2023 and I was promised by various customer care agents that it would be waived for me as a one time courtesy after I had requested for it to be waived. I called in several times and wasted several hours in the process and haven't got my fee back despite these attempts. 

I had spoken to the following people who had promised me to waive the return fee XXXX XXXX - XXXX XXXX XXXX - XXXXXXXX XXXX When I called today - XXXX XXXX, this ridiculous manager named XXXX spoke to me and she said they wont waive that fee despite that being promised by other agents. Are you serious? 

The last 4 of my CC - XXXX. I don't have my full card number handy on me
Product: Debt collection

I am writing to request validation of the debt that you are claiming I owe, as per my rights under the Fair Debt Collection Practices Act ( FDCPA ), Section 809. I dispute the validity of this debt and am requesting verification of the following details : Amount of the debt {$6700.00} Creditors name 10X XXXX  XXXX Please be reminded that, pursuant to the FDCPA, you are required to cease all collection activity until such validation is provided. Should you fail to provide adequate proof of the debt within XXXX ( XXXX ) days from the date of receipt of this letter, any further attempts to collect the alleged debt will be in violation of the FDCPA, and I will pursue all available legal remedies to protect their rights, including the possibility of reporting this matter to the relevant regulatory authorities. 
This letter serves as a formal request for debt validation and should not be construed as an acknowledgment of the debts validity. Should you fail to provide the requested documentation, I expect that all collection efforts will cease, and any reporting of this alleged debt to credit agencies will be retracted. Please respond within the statutory time frame. Should you require any further information, please direct all future correspondence to my office. 

Sincerely, XXXX XXXX XXXX
Product: Debt collection

I was a victim of credit card identity theft : someone opened an account in my name, charged {$590.00} to the credit card, and never paid. I did not know that anyone had taken out a credit card in my name until XX/XX/XXXX, when I discovered I was a defendant in a small claims case in Missouri. As soon as I discovered that someone was using my identity to get a credit card in my name, I filed a police report, contacted the three credit agencies to put fraud alerts on my credit, and filed a identity theft affidavit with the FTC. My court case was dismissed in XX/XX/XXXX. The debt was sold to a collection agency, Resurgent Capital Services ( XXXX XXXX XXXX XXXX, SC XXXX XXXX ). When I called to tell them this was identity theft, they still did not believe me, so my attorney got involved and spoke with them. She then sent them a letter with copies of my fraud affidavit, police report, drivers license and social security card, but they said it was not sufficient evidence to discharge the debt. My attorney 's office is still receiving harassing letters from this company, who will not cease contact with me. I am trying to get this debt removed from my credit report. I am hoping you can help me.
Product: Credit reporting or other personal consumer reports

I have made numerous complaints regarding this account, I have made the complaint to XXXX XXXX it's self and all three of the credit bureaus. 
I currently have a complaint that is in progress, regarding this account regarding all the inaccuracy I have found since I have been working on this account. 
This account has been removed and placed back on my credit file over XXXX times and not one time did either of the credit bureaus notify me within five days that they were reinserting that account on my file. 
On XX/XX/2023 I received a letter in the mail from Experian stating that my account has been verified and updated but as I look at the reported, they are still reporting that I had a charge off XX/XX/2023. This inaccurate information that caused me to have a loan denied earlier this month from XXXX XXXX, after disputing this information XXXX times and they have not got it correct, this account should be REMOVED IMMEDIATELY. 
This account is currently under dispute but, they sent keep reporting inaccurate information. 
XXXX sent out a letter that I received today XX/XX/2023 from XX/XX/2023 stating that they have updated my account from XX/XX/2023 but the account is reporting inaccurate information.