23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I discovered on XX/XX/ that a Chase Total Checking account was opened in my name on XXXX I had received an email notifying me of the account being opened on XXXX at XXXX. After I discovered the email the following day ( XXXX ), I called Chase to inquire if the email could be fraudulent. After providing my SSN, I was informed that the email was real and an account had indeed been opened using my information. They informed me that the account would be frozen and stated that I should contact all 3 credit bureaus to freeze my credit which I promptly completed on XX/XX/. 

Additionally, I discovered that I had also received an email on XX/XX/ at XXXX from XXXX thanking me for opening an account as well as two additional emails from Chase Online Service Team notifying me of my Online Contact change for my address and phone number. 

I went to chase bank on XX/XX/23 to complete their fraud packet and get more information about the account to provide to the police for their investigation. I worked with banker XXXX XXXX ( XXXX ). There I was told that I could only be provided with the account number but no other information about the account ( address or telephone number on file ). I was told to provide number of the banker to the police who could then be given this information. 

I then went to the local police department in XXXX, SC on XX/XX/23 and began the process to file a report of identity theft. I initially spoke with an officer XXXX and an investigation report with case number XXXX was created. I have since been in contact with Investigator XXXX who has been trying to contact Chase banker, XXXX XXXX to provide additional information about the fraudulent account that could not initially be provided to me. Since our last communication, he has still not been able to speak with banker XXXX. 

I also requested a credit report from XXXX and discovered a phone number associated with my credit that I did not recognize ( XXXX XXXX XXXX ). I have since disputed this contact information and have had it removed from my credit report. On this credit report, I also noted several consumer report views/soft inquiries of companies Ive not had any personal dealings ( XXXX XXXX XXXX XXXX JPMCB, XXXX XXXX XXXX XXXX XXXX ). I do not have any hard inquiries on my credit report or potentially negative items on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I got a bankruptcy, more than 7 years ago and it continues to appear in all my credit reports, XXXX, TransUnion and XXXX. 
Supposedly the punishment for a Bankruptcy is that it goes out reported for 7 years, and those seven years have already passed, and all the credit bureaus continue to report it
Product: Debt collection

I have been repeatedly contacted by South West Credit Collections. Every time that I have spoken to South West Credit Collections, I have verified with them that the debt is not mine, the information that they have in their files is incorrect, they have no social security number associated and the address they have The XXXX XXXX XXXX XXXX XXXX CA XXXX is not an address I have ever lived at or been associated with. They have assured me each and every time that I have spoken to them that they will take this out of their system and that I am not responsible for the debt. 

In 2015, my identity was stolen and I have subsequently been having to file Security Alerts with all XXXX Credit reporting bureaus, as well as file police reports and FTC complaints. 

I have been repeatedly disputing the South West Credit Collections account. This is not my accounts. 

I have spoken to XXXX XXXX ( where the alleged debt is from ) and they informed me that this is not my account and they would inform the collections agency that it is not my debt. 

In fact, The information that South West Credit Collections has is inaccurate, South West Credit Collections has confirmed that NO Social Security was used and the address for the alleged account is an address I have never lived at and an address I have never been associated with. 

However, that being said, South West Credit Collections reported this debt to all XXXX credit reporting agencies after I repeatedly told them that is was not my debt. I contacted South West Credit Collections on XXXX and spoke to the Office of the President and asked them how they can report this to all XXXX credit bureaus when I have repeatedly disputed this debt and informed them this is not an address I have ever lived at or been associated with and South West Credit Collections stated that NO Social Security number was given to them or XXXX. They then said that they do not need a social security number to file against my credit. I then stated that I have been disputing this debt and as such was informed by South West Credit Collections that they would be removing it from their files, which they never did. After speaking to South West Credit Collections on XXXX, the Office of the President said that they would be removing it from the credit reports, but they have not done so.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello. This account XXXX  XXXX Account number : [ XXXX ] was opened by my husband for himself as reported in XX/XX/XXXX ( I'm only an authorized user ). 

However after asking that the payment history and dates be updated and corrected ( on XXXX XXXX, they have again all reported differently from all XXXX bureaus. The bill has been paid by due date every month since he's gotten it. 

But, there are many violations on the credit report when comparing XXXX 's credit report to XXXX 's credit report because XXXX has completely deleted every record of having an account now according to my XX/XX/XXXX credit report pull. Which makes it a complete violation to report anything on the payment history, with no reportings showing for an account at all from that bureau. It has also been over 30 days again. 

I am aware that all 3 bureaus must show the same reportings line-by-line on a credit report, or it's considered a violation. And According to the FCRA everything must be 100 % accurate. ( According to the CFPB bulletin on XXXX XXXX ) theres a requirement from the FCRA for CRAs to investigate all relevant information regarding a dispute. And there were XXXX things listed as requirements that has not been upheld regarding my credit safety as a consumer and citizen. 

I'm dealing with adverse affects because of my credit now because of me disputing and trying to get a fair credit investigation. My credit score has dropped a lot within the past month. And me and my family have not been able to obtain our own housing now. So the address that was on file previously is no longer ours. 

15 USC code 1681n ( a ) ( 1 ) ( A ) I'm requesting monetary relief and proper corrections to the account. 

Tracking numbers : XXXX XXXX XXXX XXXX XXXX ( Equifax ) XXXX XXXX XXXX XXXX XXXX ( XXXX  ) XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX  ) XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been notify that my account for so over has been close due to not been able to identify me so I called back and complain due to this is been me so they ask me to send in a verification form with notary sign so I did I upload this forms and they called me saying I didnt upload them then I called back I upload them about 100 times and they still saying I didnt even weeks later. I fax my paper work in and discover keeps saying I didnt do this so I mail them in and they keep going in circles I did everything thats possible to make this proof go in. It they keep ignoring me I call 100 times and they keep saying a manager will call u but never get a call back. They also reports a wrong address to my credit report which they are messing with my identity someone that works for them ..
Product: Credit reporting or other personal consumer reports

I trust this letter finds you well. I am writing to express my deep frustration and disappointment regarding the multiple unsuccessful attempts I have made to remove fraudulent items from my credit report. The continued presence of these items has had a severe impact on my financial well-being and has caused significant distress. 

The fraudulent items, associated with account, were first identified on my credit report. Since then, I have diligently followed your agency 's procedures for disputing fraudulent activity on multiple occasions. I have submitted all required documentation, such as police reports, affidavits, and supporting evidence to substantiate the fraudulent nature of these entries. 

Despite my persistent efforts to rectify this situation, the fraudulent items persist on my credit report. Each attempt to remove them has been met with delays, inconsistencies, and an overall lack of resolution, causing ongoing harm to my creditworthiness and financial stability. 

I am formally requesting the following actions be taken as a matter of urgency : A thorough and comprehensive reevaluation of the fraudulent items on my credit report to verify their accuracy. 
Immediate removal of these fraudulent items from my credit report. 
A written confirmation of the resolution, specifying the date when the fraudulent items were removed. 
A detailed explanation for the repeated failures to address this matter in previous attempts. 
An apology for the persistent distress and financial hardship caused by the ongoing presence of fraudulent items on my credit report. 
I understand the importance of maintaining accurate credit reports for both consumers and creditors, and I believe that my request for a fair and accurate representation of my credit history is well-founded. 

Failure to address this matter within the exact time frame from the date of this letter may leave me with no alternative but to escalate this issue further, potentially seeking legal remedies or involving relevant regulatory authorities. 

I hope that such measures will not be necessary, and I trust that your agency will take immediate and decisive action to rectify this issue. I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX  XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX  TX XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$740.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$5200.00} XXXX 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 TX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$740.00} XXXX XXXX XXXX Balance : {$2700.00} XXXX  XXXX XXXX Balance : {$520.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX, TX XXXX 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: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed and account not reporting accurately. I have late payments showing for an account I was on time for. The consumer credit reporting agency need to report all inforwith complete accuracy. I have attached a copy of the inaccurate report. Account # XXXX ( XX/XX/2022 ) I'm now requesting an investigation on this account and understand the these payments to paid on time. Thank you for your prompt actions.i have attached screenshots to show the inaccuracy.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is reporting a collection that was paid in full/ My insurance company notified me that XXXX XXXX XXXX XXXX  were paid for my medical visit. Client Account # XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has a loan showing on my credit file that is wrong. It has late payments showing. 

XXXXXXXX XXXX XXXX XXXX this account was in deferment the whole time. I see when I wrote in back in XXXX 2017 saying it was updated but nothing was change that 's why I 'm filing the CFPB because Experian has not done nothing on my credit report. There is no late payments when a student loan is in Deferment
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 i revived a credit inquiry alert that XXXX ran my credit. Which i did not authorize, i do not have XXXX and i have never had XXXX. I have gone round and round with Transunion about getting this inquiry removed. They keep asking for a letter of dilution or a letter stating that i do not have an account with XXXX, yet XXXX keeps advising me that they do not give letters of dilution or a letter stating that i am not a customer because they can only do that on active or inactive accounts not accounts that don't exist. XXXX has adv me that Transunion should be able to send an electronic request to XXXX about the inquiry and could clear everything up. Transunion is being very difficult do deal with and i just want the situation cleared up. I did try to do a request of investigation on the Transunion dispute page but that can only be done on open or closed accounts, no where to dispute an inquiry so i did put my information in a customer statement form, i did revive a response stating that the investigation is done but the only thing it did was update what my statement was to the account. I feel like i am the vicitim here as i am having to spend hours to get a situation fixed that i did not create when Transunion is refusing to do a simple electronic request which they are telling me they can not do because they are regulated under FRC. If anybody could help it would be greatly appreciated.
Product: Debt collection

Called and left this voice mail to myself, mother, father and sister This message is intended for XXXX this is XXXX XXXX contacting you in regards to your claim being filed in XXXX XXXX by law I do have to make you aware ma'am that once your claim claim number XXXX XXXXXXXX is filed it becomes a matter of public record and there will be an order of location issued out for you since I was unable to reach you by phone I've been instructed to contact your employer and speak with your supervisor because it looks like that might be her likely place location you do have the legal right to contact the proceedings office handling your claim however you would need to speak with them before your claim is filed once the claimant this is discharge from their office all of your legal braids will be forfeited the phone number provided for that legal department is XXXX and the file number that you'll need to reference is XXXX this is considered a legal notification by telephone for XXXX and he will be located most were told otherwise
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is a credit reporting outlet that get it information from credit reporting agencies XXXX, XXXX and experian. The problem is they are reporting incorrect information about my credit from these agencies. They have that I owe {$5700.00} from XXXX XXXX XXXX and that I owe {$250.00} to XXXX XXXX XXXX. 

I owe XXXX XXXX XXXX and XXXX XXXX Nothing. My credit report should show both these accounts with a XXXX Balance Owed. 

I want an Investigation as to why XXXX XXXX keep reporting incorrect information. 

Waiting to hear from you. 

XXXX XXXX XXXX
Product: Checking or savings account

I was a member of Union Bank since XXXX, and monthly I would receive my retirement. Union Bank changed to US Bank, and as soon as this change happened I stopped receiving my retirement and that was XX/XX/XXXX of this year. I called the bank to see what happened, and they said US Bank does not make automatic payments. I live in XXXX and they wanted to verify me. I answered all of the security questions correctly. They wanted to send me a code for verification, but there system would not allow it because I reside overseas. They explained to me that online banking or using my mobile device would not work until I went back to the USA and set up the system. They said only a Visa debit card would work. They ask me to wait 3 business days and said they would notify me. I gave them my address in English and XXXX  so they could send me a card. I waited 3 business days and never received a reply. I called the bank back and was told they could do nothing about it, and to return to the USA to settle the problem. To date I have not received any money from my checking account. I tried to email them, but never received any email back. This is an emergency for my family.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted the company listed for One of the Hard Inquiries ( The first one listed below ) and found out that they represented another company that in turn misrepresented themselves to me back in XX/XX/2019. I had applied for a business loan with them only, Never was informed that my personal credit would be pulled and i Never gave permission for it to be pulled. this company turned out to be a broker who then shared my personal information with several other companies who apparently ALL pulled my personal credit without my written or otherwise permission. I have tried to dispute it, but the company representing the Broker says they can't do any more. I never gave permission to this " broker '' company to pull my credit and i definitely never gave permission for my information to be shared or any one else to pull my credit. I have several Hard Inquires now on my report that are all now Fraud. I have placed a fraud alert on my report as well as a freeze as of today XX/XX/19, but these items need to removed. 
- XXXX XXXX XXXX Inquired on XX/XX/2019 - XXXX XXXX Inquired on XX/XX/2019 - XXXX XXXX Inquired on XX/XX/2019 - XXXX  Inquired on XX/XX/2019 -  XXXX XXXX XXXX Inquired on XX/XX/2019 - XXXX XXXX XXXX Inquired on XX/XX/2019 - EXPERIAN XXXX XXXX Inquired on XX/XX/2019 - XXXX XXXX XXXX Inquired on XX/XX/2019 - XXXX XXXX Inquired on XX/XX/2019 - XXXX XXXX Inquired on XX/XX/2019 - XXXX XXXX Inquired on XX/XX/2019 - XXXX XXXX XXXX Inquired on XX/XX/2019 - EXPERIAN XXXX XXXX Inquired on XX/XX/2019 I am requesting that ALL of the above be removed from my Credit Report as NONE of these were done with my permission or Knowledge.
Product: Vehicle loan or lease

On XX/XX/XXXX Toyota Financial Services received my monthly payment and cashed it. It hit my bank on XX/XX/XXXX. Since that time I have tried to get them to post the payment, but they have refused. First they said they never received it. When I sent them a copy of the cancelled check they said it was misapplied but they would correct the situation. I sent three messages and they closed all three requests without taking any action. It is now XX/XX/XXXX and they still have not posted my payment, which was due on XX/XX/XXXX. They've had the payment for 13 days and have done nothing with it. I am very upset, as this may affect late charges and my credit report. There is no reason for them to delay posting and I want this correct immediately. 

XXXX XXXX XXXX Acct. # : XXXX Payment amount : {$300.00} Co. : Toyota Financial Services, XXXX XXXX XXXX XXXX IL XXXX
Product: Payday loan, title loan, personal loan, or advance loan

I applied for a personal loan in the amouunt of {$50000.00} at Truist Bank. I have a near perfect credit score ( over XXXX ). I am XXXX. I was asked to provide tax returns ( since I am XXXX ). My business is successful as shown by my tax returns. 

I was told that I was denied because there was not enough $ in my personal account ( which has never been negative ). I have a personal account at another banking institution thar I prefer to use. I only use Truist for my business account l. I use my business for most things since I am self-employed!!! My business account has never been negative and I typically have over {$100000.00} in this account. 

I was asked for paystubs and W-2s from jobs that I had over 2 years ago ( remember I AM XXXX  ). I dont receive W-2s or paystubs, this is why I was asked for tax returns ( which I provided )!!!! I was still denied eventhough my credit score is excellent and I show that my business is very profitable! 

I feel that practices at this bank are discriminatory and I wish for them to be investigated!!!
Product: Credit card or prepaid card

I signed up for a credit card with Discover. As soon as I received the card I set up the online account and automatic payments of the minimum amount each month ( since there would be no charges, just using it to pay off one balance transfer ). 

On XX/XX/2019, I received an email saying the bank information I submitted for the automatic payments was accepted, and an email saying my first payment was scheduled. 

At this point I safely assumed the automatic payments were set up. 

On XX/XX/2019 I received an email saying that I had missed 3 payments. I checked my credit report and my credit score had gone down 200 points. Discover had decided to not accept my continuing automatic payments, however they did not send me any notice, by mail, email, or otherwise. 

I immediately signed into the online account and made the payment that was due. I then called Discover and informed them of what happened. Discover told me that there was nothing they could do, and that they do not edit their reporting of missed payments for any reason, even their own mistake. 

However, I did not miss any payments. Discover stopped my automatic payments without my consent or even knowledge. This may have been when my bank changed from XXXX XXXX XXXX XXXX XXXX, but Discover will not give me a reason why they stopped the payments. 

Discover Bank has destroyed my credit due to their own actions and refuses to correct it. Every second my credit is reported incorrectly I suffer irreparable harm. Please help me correct this without having to take this to the circuit court!
Product: Credit reporting, credit repair services, or other personal consumer reports

Ally Financial violated my rights to privacy by reporting my personal information and my private transactions and experiences on my consumer report. They weren't given consent or permission to do so. This is identity theft and a clear violation of my consumer right and the consumer laws. This is a civil liability violation and penalty can and will be implemented for damages sustained.
Product: Debt collection

They called me and a lady left a very rude message claiming that a court order in my county would be filed. That they know where I live and work and very hateful. Collection attorneys usa called. My loan was with XXXX XXXX and its for {$300.00}. They are trying to scare me saying they will proceed in my County. They have my whole social security number as well and are calling my mother in law after talking with me.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 XXXX  XXXX XXXX sent information to the Chex Systems. That I have unpaid account. That is wrong. 

Please help me get Chex Systems , Inc.

Attn : Consumer Relations