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

On yesterday XX/XX/XXXX I spoke to XXXX and XXXX at XXXX  and immediately referred to me as XXXX XXXX twice and made no effort to correct this and trying to attach me to a loan that I did not make written authorization to on XX/XX/XXXX. If Illegal XXXX Immigrant XXXX XXXX at XXXX XXXX XXXX XXXX, mi XXXX are using several names to get money in my name he should be reported to the XXXX police XXXX XXXX police chief whom has authorized investigations in the past on this but were led to believe by the amanzes and his supporters that they bought the house for XXXX from XXXX XXXX XXXX  at an foreclosure sale. You must take action, please provide the cfpb from this complaint with the true facts and inform them the reason why XXXX XXXX would like for me to refer to a loan number that you gave me XXXX if I have never done business with XXXX XXXX in the past. although, I would be interested in an pathway to getting this resolved and removing the false information from my record immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Account XXXX. : XXXX : XXXX BANK IS INACCURATELY REPORTING LATE PAYMENTS ON MY ACCOUNT. XXXX BANK IS FALSELY REPORTING A LATE PAYMENT FOR XX/XX/XXXX and INACCURATELY REPORTING A LATE PAYMENT FOR XX/XX/XXXX. BOTH LATE PAYMENTS ARE INVALID, UNPROVEN AND INCORRECT. 
THIS INACCURATE REPORTING IS CAUSING ME FINANCIAL HARM. 
XXXX BANK NEVER FURNISHED ME THEIR BANK STATEMENTS WHICH IS THE ONLY LEGAL PROOF THAT IS USED IN A LAWSUIT DISCOVERY PROCESS. 
XXXX BANK NEEDS TO LEGALLY PROVE WHEN OR WHEN NOT MY PAYMENTS WENT INTO THEIR ACCOUNT. WHEN DID MY PAYMENTS SUPPOSEDLY ARRIVE LATE INTO THEIR ACCOUNT? WHERE ARE THE BANK STATEMENTS SHOWING THAT MY PAYMENT ALLEGEDLY WAS NOT DEPOSITED INTO YOUR ACCOUNT? WHERE ARE THE BANK STATEMENTS TO PROVE ANY LATE PAYMENTS? 
XXXX BANK NEVER LEGALLY SHOWED ME PROOF THAT MY PAYMENTS WERE ALLEDGEDLY LATE! 
SENDING ME A SIMPLE PAYMENT HISTORY STATEMENT IS NOT LEGAL PROOF OF ANY MISSED PAYMENTS, FURTHERMORE A PAYMENT HISTORY AND ACCOUNT STATEMENT CAN BE>AND IN MOST INSTANCES IS INACCURATE, INCORRECT AND FULL OF MISTAKES. 
JUST LIKE IN A COURT HEARING I NEED LEGAL PROOF THROUGH BANK STATEMENTS FROM XXXX BANK, EVERYTHING ELSE IS ONLY HEARSAY
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX, acct # ending in XXXX is listed as a Charge Off account on all all three credit bureaus. The date opened was XX/XX/2016 and has been reported as derogatory for over 7 years. This must be removed from my credit reports.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft, I have no knowledge of the said accounts listed in this report. Please help me in this process of removing all fraudulent account please and thank you. 

Everything is listed in the police report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX ( Acct # XXXX ), XXXX XXXX ( Acct # XXXX ), XXXX XXXX XXXX XXXX XXXX Acct # XXXX ) and XXXX XXXX ( Acct # XXXX ) are All closed accounts reporting on-going negative information after account closure. 
Siting Code 15-USC-1681a2 No written permission given. Also Siting XXXX v XXXX I presume no alleged debt nor therefore any such debt in fact therefore exists.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issues aligns with the recent CFPB findings against Navy Federal for similar practices where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax had a major cybersecurity breach that they did not disclose to the public until over a month later. 3 days after the discovery of said breach, and therefore almost an entire month before the knowledge was made public, three known  inside executives performed insider trading of Equifax stocks.
Product: Credit reporting or other personal consumer reports

It appears that my credit with you has been compromised. I was going through my records & noticed many files which do not belong to me. The dispute items do not belong to me are listed below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I XXXX XXXX, is asking for verification, and validation from this collect agency about this account that i have no knowledge of during business with or sign any documents with.
Product: Credit card or prepaid card

On XXXX XXXX, 2017 I made a payment online with my Wells Fargo mobile app to my secured card. I made this payment mid morning Eastern standard Time on the Friday. Wells Fargo states that payments made before midnight Pacific time will post to the account the date made ( paraphrase ). I called on XXXX XXXX, 2017 at XXXX XXXX to see why my payment was n't posted and they told me that it was n't there and I had to wait for their system to update in 1 to 3 business days. There system never shows the pending payment but shows it in posted so they do n't allow them to push the payment through. This causes delays in using my card.
Product: Mortgage

Several years ago we refinance our home using Fidelity Title Company in XXXX CA, we paid a courier fee of {$75.00} but we did not use them, we picked up our documents directly from them, they said they would refund the money but never did. 
recently there was a lawsuit against them on this very same issue however we have heard no further communication from the law firm or the court on this matter. 
We did communicate to Fidelity but we are not even sure which department to talk to or our reference number or other ID number and this is what they asked for. 
So we like at least our {$75.00} back or the law suite settlement money which ever is greater.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX  is reporting inaccurate information on my TransUnion credit report. They are reporting a balance of {$5100.00} but the account is actually closed because they sold the account to XXXX and my new balance is {$3700.00}. Ive disputed multiple time but TransUnion is the only credit bureau thats saying the account is verified/accurate but XXXX and XXXX have both deleted removed XXXX from my credit report profile
Product: Vehicle loan or lease

On XX/XX/XXXX, I reported my XXXX XXXX was stolen. I contacted the XXXX, NC XXXX county police department and the insurance company. I found there was no theft coverage on the policy. I was told that Exeter automatically puts full coverage on the vehicle when collision is dropped. There was no coverage. I received a phone call on XX/XX/XXXX the car was found at a tow wreck yard It was stolen, wrecked and not drivable. The airbags were deployed. I picked it up and paid {$190.00} for storage and tow fees. I picked it up because I knew I could not afford storage fees Thank God I got it because it would still be sitting in the tow yard and billing me. When I saw my car, I cried. I had it towed home and was told by XXXX care they could not cover the repairs due to theft. I never received any mail or documentation of such ; however, XXXX did not cover the repair. I received a personal quote including air bags that deployed. I was told my XXXX and XXXX XXXX the truck was totaled. I called Exeter on XXXX and was told they were going to repossess the vehicle for nonpayment. I was then told they would come get the vehicle as a voluntary repossession. I contacted Exeter on XX/XX/XXXX asking for paperwork or correspondence showing they would repo or voluntarily repo the car or at least send someone to look at it. On XX/XX/XXXX, i reached out and was told there was an open investigation. I advised them i just needed proof that the car was being worked on their end as far as repo or voluntarily repo. The car is still in my driveway as of XX/XX/XXXX. I just ask that the car is taken off my credit due to this vehicle not being able to drive and was stolen and I can not afford to pay for the car. Due to the theft, I lost my job, and I am facing an eviction due to not being able to make money to pay my bills.
Product: Credit card or prepaid card

My XX/XX/2023 statement showed a statement balance of {$1600.00}. The breakdown is as follows : {$970.00} previous balance, {$1100.00} in new purchases, {$22.00} in interest LESS {$460.00} in payments made. I paid a total of {$1800.00} in XXXX which paid off the entire XXXX statement balance ( and more ). I just received my XX/XX/2023 statement but it's showing {$26.00} in interest charges with {$1200.00} balance subject to interest. Where is this balance subject to interest coming from if I paid off my entire XXXX statement?
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) and XXXX XXXX XXXX ( XXXX XXXX XXXX  XXXX violated my 609 rights by reporting incorrect information to Experian reguarding my credit file. Experian further violated my rights by adding this incorrect information to my credit profile for others to see. 

they have violated my rights to have a fair and accurate information on my credit. 

My person information my credit report is inaccurate as well. I have requested my addresses, phone numbers and names corrected on my report this is a violation on my consumer protection rights.
Product: Credit card

Synchrony bank closed all of my accounts. I recently received a lump sum payment and payed off the majority of my debt to improve my credit score. Instead it will hurt my score by them unilaterally closing all of my accounts. I am a XXXX percent XXXX veteran and it appears as discrimination.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax Information Services LLC XXXX. XXXX  XXXX XXXX, GA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX. XXXX XXXX XXXX, PA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report.

The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX
Product: Credit card

A charge ( {$580.00} ) was made by XXXX XXXX XXXX on XX/XX/XXXX on my Jet Blue Mastercard account. I got an immediate alert via email at XXXXXXXX XXXX same day. I then, immediately, at XXXXXXXX XXXX ( same day ) called Jet Blue and reported the charge as fraudulent. This phone call that I made to Jet Blue shows true on my XXXX bill details which I can provide. Jet Blue canceled my card and opened a fraud investigation. On XX/XX/XXXX I received an email stating that the charge was found not fraudulent and that I am responsible for the charge. On XXXX XXXX, I called Jet Blue again and asked them to investigate the charge a second time. On XX/XX/XXXX I got a notice that the charge was once again found not fraudulent. I asked that it be investigated a 3rd time and that Jet Blue send me all of the supporting paperwork in their investigation. They claim that XXXX XXXX XXXX has provided information proving that I am the person who purchased the tickets online, claiming that my name, address, phone number was provided during checkout. I opened an investigation through XXXX XXXX on XX/XX/XXXX, but it was denied by Barkleys Bank Delaware ( Jet Blue ) on XX/XX/XXXX. I have not received any supporting evidence from Jet Blue nor XXXX XXXX XXXX. I did not make this charge. My personal information was used fraudulently online. I reported the charge immediately after I was alerted. I do not know where else to turn to get this resolved. Please help me. I do not have this kind of money to be held responsible for fraud.
Product: Debt collection

XXXX XXXX XXXX, XXXX Dates XX/XX/2014 acct # XXXX {$1000.00} Also acct # XXXX {$700.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, and my wife and I were working on our credit reports and we started to research different things related to credit. We found that we could dispute inaccurate information directly with the three credit reporting agencies for which we did and were able to clean up several mistakes we noticed that were reporting. However we also learned that there is a statue of limitations for each type of item that reports and for some reason there are a few accounts the bureaus have continued to list even after disputing that are past the statue of limitations such as : Four accounts with XXXX XXXX XXXX XXXX, Two accounts with XXXX XXXX XXXX XXXX and the other XXXX. XXXX XXXX XXXX, Four accounts with XXXX XXXX XXXX, Three accounts with XXXX, Two accounts with XXXX XXXX XXXX, 4 accounts with XXXX XXXX XXXX and then One with XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I can not wait to return this vehicle and never deal with XXXX XXXX   again This is the second time in 3 months they have inaccurately reported a late payment on my credit report. The first time was in XXXX when they did not put through my COVID relief on my account and put a 30 day late on my report they fixed that and now once my relief was up there was an extra {$73.00} bill on my account they could not tell me where the bill came from as I had paid up my previous bill and 2 payments were moved to the end of my lease due to covid. I spoke to 3 representatives pertaining this matter the first one stated she could not  figure out where the bill came from and she was going to request an investigation into my account. The second representative who called me while I was working stated he could not see any notes or proof of an investigation and would look into the matter and call me back after XXXX and he yet again could not understand where the bill came from when I was reviewing my statements with him. Finally on XX/XX/2020 the last representative called me and she yet again could not properly explain the bill kept telling me it was a good thing that due to me always overpaying on my bill in previous bills that I only owed {$73.00} for a bill in XXXX that made no sense but to avoid you hitting my credit I just paid it and wanted to be done with it and she stated she was sending a full print out to explain what she meant which I have not yet received. Then he we are on XX/XX/2020 and you yet again dinged my credit with this nonsense. I do not ever want a XXXX  or XXXX  due to this bank, you have lowered my credit score. I am a front line working nurse who seeking covid relief instead all I you have caused me is financial hardship and two separate occasions. Please remove this off all three credit bureaus
Product: Credit card or prepaid card

I had a 12 month no interest offer on this XXXX credit card until XX/XX/2023 for balance transfers and they didn't disclose to me that they would start charging interest that day after on the XXXX ; expecting me to make the full payment the month prior with no notice. The balance was paid in full by me before my due date which was after the XXXX but they never disclosed that it was supposed to be before that. I sent the payment before my own payment due date just in case so that wouldn't happen as thats normal with any regular balance transfer. Its as if they just started charging it because they can without notifying me of that change.
Product: Credit reporting or other personal consumer reports

Upon checking my credit report I have discovered that I have a fradulent account that is being reporting on my credit report, the account in question isXX/XX/XXXXXXXX with the account number XXXX, and I have also witnessed fraudulent hard inquiries on my credit report, these fraudulent hard inquires are XX/XX/XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, I am writing this letter to lodge a formal complaint against Equifax Information Services LLC regarding the inaccurate information on my credit report. I requested a reinvestigation of the error, but the company has failed to comply with the law and respect my rights as a consumer. 

I first noticed the error in my credit report on XX/XX/2023. I immediately contacted Equifax and asked for a reinvestigation, which they denied. I followed up with several requests for a reinvestigation but to no avail. Equifax has continued to report incorrect information on my credit report, specifically the late payments that are still showing up as delinquent accounts. 

As a consumer, I have the right to ask for a reinvestigation of any inaccurate information on my credit report, and I believe that Equifax is in violation of the Fair Credit Reporting Act by not complying with my request. Furthermore, Equifax 's failure to correct the inaccurate information is negatively impacting my credit score and my ability to obtain credit on favorable terms. 

I demand that Equifax immediately remove the incorrect late payments from my credit report and update it to reflect that all payments were made as agreed. I also demand that Equifax provide me with a free copy of my updated credit report as soon as the corrections are made. 

I look forward to hearing from Equifax regarding the corrective action that will be taken to remedy this issue. 

attached I will upload proof of the incorrect reporting. it is not 100 % accurate and different agencies have a different reports. 

if this could not get resolved properly I will intend to sue for violating my rights and the negative impact this has made on my life. 

Sincerely, XXXX
Product: Credit card or prepaid card

Hi there, Citicards has increased the interest on my citi preferred credit card to 29.99 % without a notification to opt out or anything, When I have noticed, I have contacted citi several times to resolve this, however they largely ignored my requests bouncing me from one person to another endlessly, telling me different story each time I would call to request to lower the interest and have my account credited back for all the extra money they have charged me so far. Their excuses for the increase were, that I was late with one payment for one day, back in XXXX, 2017. Next time I called, they told me that my interest is so high because for the most time i pay only the minimum due on my account and not the entire balance, which were news to me, with this card I never heard that before. The citi, told me that they don't have to send the opt out notices and that the charges are valid, which i dispute, being tired to be bullied by this guys into paying such ridiculous interest rates. 

My credit standing is good and I am in good standing with the Citi bank too so far. Because, today when this issue was only resolved partially, and only because i have told them that I will be paying next monthly bill when they address this. They have lowered the interest to start next billing period to 17.99 %, but absolutely refused to honor or negotiate my request to credit my account for all the extra interest that was charged so far and the monthly payment adjusted as of today, so I could pay the bill with my old interest. 

I would really appreciate your help with this. 

Thank you, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to follow up on my previous dispute regarding a fraudulent account that is still erroneously reporting on my credit report. Despite my efforts to rectify this matter, the fraudulent account remains unresolved and continues to negatively impact my credit score. 

As I stated in my initial dispute letter I have never opened or authorized the account in question. I have taken all necessary steps to report the fraud to the appropriate authorities, including notifying the creditor in question of the fraudulent activity. 

It is disheartening to see that the fraudulent account is still present on my credit report, as it has caused significant distress and financial hardship for me. This inaccurate information has affected my ability to obtain credit, secure loans, and even impacted my employment prospects.
Product: Credit card

I am disputing the collection account with EXETER FINANCE LLC account numberXXXX dated XX/XX/year>, with a balance of {$850.00}. This account is unverified and does not belong to me. Despite my efforts to resolve this issue by contacting both the collections agency and the original creditor, I have not received any satisfactory resolution. I request an immediate investigation into this account and demand that EXETER FINANCE LLC, provide verifiable proof of ownership and validity of this debt. I expect a swift response and the removal of this erroneous information from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). I had my identity stolen and this account must come from that.