23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

XXXX *********** DOB XX/XX/XXXX XXXX, FL XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I 've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida Upon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen I have included a copy of the police report attached to this letter I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report I 've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX # XXXX XXXX ACC # XXXX XXXX ACC # XXXX XXXX A XXXX ACC # MEDICAL ACC # XXXX XXXX *********** DOB XX/XX/XXXX XXXX, FL XXXX
Product: Credit card

I was accessed annual fees on an inctive USBank credit card. I had XXXX and was in XXXX for 3 months when they were sending the notices. But USBank was sending the statements to the wrong address and have my wrong mailing address and name. They reported 30 and 60 day late payment to the credit reporting agencies which has harmed my credit. I have followed all procedures to have the negative information removed from my credit report and USBank is refusing. this was all over a annual fee on a credit card I did n't activate.
Product: Checking or savings account

In XXXX of XXXX, I was undergoing a home renovation, which required multiple trips to local hardware stores. I employed four local individuals to assist me with this project. The agreement was to pay them cash for their assistance in the home renovation. They accompanied me on these trips to XXXX XXXX, XXXX 's and other local stores. At the register, these individuals would accompany me as I made my purchases. Unbeknownst to me, they were watching me input my PIN number into the register keypad. 

I did not know but these individuals who I employed, were planning to rob me blind. They stole my card when I was not looking, and used my card at various stores such as XXXX XXXX, nail salons, XXXX, XXXX Hardware, and pulled out cash at ATMs. Over {$10000.00} was stolen from my Chase Checking and Savings accounts. 

When I discovered the theft, I immediately researched these transactions to ensure I was not the one who made the transactions. There were over XXXX transactions, and each one totaled over {$1000.00}. When I concluded I did not make these purchases, I filed a report with Chase and filed police reports. I filed these reports in XXXX of XXXX when I noticed the money missing. J.P. Morgan Chase has denied my claims three times, stating that I disclosed my PIN, which i had not. They have not reimbursed me for the over {$10000.00} in fraudulent and unauthorized transactions that these thieves made. They have also closed my account. 

I have gone to store managers, requesting copies of store footage so I can assist Chase in their investigation. I have spoken to numerous police officers and been on hold with Chase for over XXXX hours trying to get this resolved. My funds are supposed to be FDIC insured and for Chase to blatantly deny my claims and treat me as though I am a criminal is egregious and disappointing. i did not provide my PIN- they watched me and memorized my PIN.

I demand Chase reimburse me and take the time to complete a thorough investigation, For them to deny me is outrageous. I have done my due diligence and taken all necessary steps to assist Chase in their fiduciary due process. I have banked with Chase for over 27 years and for them to treat me like this, particularly the employees at the XXXX Ca branch, is unethical, immoral and criminal. 

Thank you for taking the time to ensure my report reaches the appropriate parties at XXXX XXXX XXXX..
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXXXXXX XXXX manager called Friday XX/XX/09 stated that I signed a contract with them stating that they could report late transactions on my consumer report. 

TILA 15 USC 1601 protects me as a consumer against inaccurate & unfair credit billing. As a consumer, I signed an agreement to enter into a credit transaction with XXXX ( on an unknown date because my consumer report is showing two different dates ) this was all done online. I had no say, legally it takes two consenting parties to create and agree. I was not informed, the agreement was not conspicuous and clear of basic facts and I made a uniformed decision when there was no evidence of indebtedness, the only evidence of the debt was the agreement but because of the uniformed decision that agreement is null and void. 

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 ; I have reached out to XXXX XXXX XXXX XXXX they have yet to reverse the late payment or report it OK USC 1681b states that consumer agencies can only furnish something in accordance with the written instruction of the consumer to whom it relates. I did not give XXXX XXXXXXXX XXXX XXXX permission which is another violation.
Product: Debt collection

I have received a letter XX/XX/2023 in the mail saying I owe an alleged debt. never got enough information. also didn't get enough time to respond, couple of days later it was on my consumer report. I have sent them a dispute letter to remove inaccurate information. The reporting of this inaccurate information is a clear violation of the Law 15 USC 1681 s-2 of your responsibilities as a furnisher of information.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX Consumer DOB : XX/XX/1988 Consumer SSN : XXXX Contents of this complaint : This CFPB complaint has been filed to request pursuant of FCRA Section 605B ( 15 U.S.C. Section 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a credit card account from XXXX XXXX XXXX XXXX with a balance of {$21000.00}, a credit card account from XXXX XXXX  XXXX XXXX XXXX XXXX a balance of {$1100.00}, a XXXX  account with a balance of {$26000.00}. 

These accounts have resulted in several hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I have listed these fraudulent accounts that are on the report that is being maintained by you. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report that is being maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to Experian and XXXX on XX/XX/2023, to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$9800.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Discover Financial Services and Student Loan Corporation about inaccurate information reported on my credit report. Monthly they have reported that my account is in bankruptcy, with a {$0.00} balance, and derogatory. Also this is completely inaccurate information as I have a balance that I pay monthly on time. This has caused my credit report to drop 7 points. Each time this inaccurate information has been reported, I have called and spoke on the phone several hours with specialists about their reporting errors. They claim they have done everything to resolve this issue and refuse to provide me anything in writing pertaining to their actions.
Product: Credit reporting or other personal consumer reports

I would like to dispute the following negative accounts on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a third party which is not true. I have attached my ID and letters to this complaint for your review. 

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 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 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 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 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 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: Checking or savings account

On XX/XX/2024, I used a coupon enrollment for a {$900.00} bonus ( see attachment ). Step XXXX was to set up a direct deposit by XX/XX/2024 for a {$300.00} checking bonus. This was completed and the {$300.00} awarded on XX/XX/2024. 

Step XXXX was to deposit {$15000.00} in the savings account by XX/XX/2024. This was completed on XX/XX/2024. 

Step XXXX was to maintain the {$15000.00} through XX/XX/2024 for a {$200.00} bonus. This bonus was never applied. 

Step XXXX is by completing the previous XXXX steps, you get a {$400.00} bonus on top of the {$300.00} and {$200.00} bonuses. 

Having not seen the savings bonus, I set up a meeting at my local Chase branch located XXXX XXXX XXXX, XXXX, VA on XX/XX/2024 at XXXX and met with XXXX XXXX XXXX ( See attachment of meeting confirmation and subsequent one-sided communication with the bank. ) At this XX/XX/XXXX meeting, XXXX XXXX assured me that I had met the requirements for the savings account bonus, showing me on his screen that this was the case. He advised that it can take a week or so for the system to " update '' and that I should see the bonus by the end of XXXX or early XXXX. He also said he would send me an email as a follow up if I had any questions. 

He never did. 

I followed up on XX/XX/2024, emailing XXXX XXXX directly asking for a status update. He never responded. 

I followed up again on XX/XX/2024 emailing XXXX XXXX for an update, or to escalate. He never responded.
Product: Credit reporting or other personal consumer reports

I have followed all of the steps to dispute inaccurate information on my reports. My identity has been stolen. Everytime something new happens I update my FTC and the credit bureaus. The credit bureaus keep allowing fraudulent information on my credit reports. I disputed information with XXXX about collections that were not mine. The company XXXX XXXX XXXX just last year was reporting I had debt at XXXX apts in XXXX different states I finally had that removed because it was fraudulent now they have put even worst information stating I owe an apt {$100000.00} I disputed the information XXXX says its accurate even though it isnt. I sent them my police report and my updated XXXX report but they refuse to remove the information. Also last year XXXX XXXX was reporting fraudulent information from XXXX it was removed but now they have allowed XXXX to report the same exact fraudulent information that was removed. I literally dont even use credit the last thing Ive gotten in my name was my car. They have allowed so many fraudulent accounts on my credit reports its ridiculous and depressing. I have reached out to the social security administration to change my social security number thats how dire this is for me They told me to continue to dispute the information I have and I get nowhere. There is information on my credit report from my ex husband I gave the credit bureaus all the information and they still refused to remove the inaccurate information. At one point I had wrong social security numbers attached to my credit report also names and addresses that were not mine yet the credit bureaus wont remove the inaccurate information. This situation is ruining my life, my credit and physical well being
Product: Payday loan, title loan, personal loan, or advance loan

Around XXXX, XXXX, I purchased furniture from my local XXXX XXXX XXXX store using a loan service provider of their selection, Synchrony Bank. My monthly payments toward this loan began in XXXX, XXXX. My XXXX XXXX bank account shows I have made my online payment every month since before the due date of the XXXX, listed on the Synchrony bank statement, in an amount of more than the minimum payment due. In XXXX, XXXX, I sent online payment from my XXXX XXXX bank account on XX/XX/XXXX. My Synchrony account shows this payment posted with them on XX/XX/XXXX. Then, on XX/XX/XXXX, they charged me a late fee of {$30.00}. When I received my XXXX statement, I noticed this erroneous charge. I called them to dispute this erroneous late fee and the customer service rep said he would remove it because he could see they received my payment on XX/XX/XXXX. I then paid my XXXX payment which they posted on XX/XX/XXXX. My Synchrony account shows they refunded me the late charge on XX/XX/XXXX. Then Synchrony turned right around again and charge me a late fee of {$41.00} again on XX/XX/XXXX. And did the exact same again in XXXX. They received my XXXX payment on XX/XX/XXXX, then charged me a late fee of {$41.00} on XX/XX/XXXX. I have called them to dispute these erroneous fees, which they can clearly see I have made my payments. I was told today, there was nothing they could do because I was being charged these late fees and my account was showing past due because I made my payments too early. They said their system has my billing cycle ending on the XXXX of the month, and because I paid my payment early, they posted my payments to the previous month, which I had already paid for, which makes their system show that I was past due for making my payment of that month. I asked them to fix this because it isn't right that I am assigned late fees and past due amounts because I pay them 'too early ', which somehow translates to their system determining that too early means late. They have refused to fix this and have told me there is nothing they can do for me. I explained that I have read their billing statement in its entirety and there is nothing listed in their statements to notify customers that if they pay their payment too many days ahead of when its due, then they would be charged late fees. So, this bank gets to collect fraudulent LATE fees from customers because the customer paid TOO EARLY. And then their actions also effect the customers credit score. So the customer also takes a hit to their credit because this bank says 'hey, you paid us too soon and our computer system can't handle it. You need to start paying right before its due or we are going to charge you late fees for being too early. '' How does this make sense? How is it right that Synchrony bank gets to make their own definition for the word late?
Product: Debt collection

I received information from you attempting to collect the above-listed alleged debts. Your initial communication to me of the alleged-debts was within 30 days ago. Please be further advised, I dispute the validity of the alleged debts in its entirety. Further I request verification of the alleged debts, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor. You are illegally attempting to collect alleged debts and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting. This letter may be provided to the Consumer Financial Protection Bureau ( CFPB ). The CFPB is authorized to investigate this matter and receive related information. If you fail to comply with this letter, I may turn the matter over to an attorney.
Product: Checking or savings account

Citibank closed and froze my savings account on XX/XX/23 I spoke to XXXX with Citibank at XXXX XXXX  XX/XX/23 and she verified this. Citibank has not returned MY money, as the XXXX days have passed. I truly believe they are committing banking fraud by freezing accounts.
Product: Credit reporting or other personal consumer reports

On XX/XX/2024 called XXXX XXXX  again, XXXX XXXX  stated we don't handle your account anymore, I then said, you already transferred me to XXXX XXXX last week, they then transferred me to XXXX XXXX, who stated they not collecting debt also. 
XXXX XXXX stated fax Email to her ( XXXX XXXX ), FAX # XXXX FILE # XXXX ATTN : XXXX SHE WILL VERIFY EMAIL ADDRESS AND PROCESS WITH XXXX XXXX  TO START DELETIONS PROCESS!
Product: Credit reporting or other personal consumer reports

I was advised by a XXXX rep to fill out this report because of unauthorized fraudulent inquiries in my report, please remove all these Unauthorized inquiries on my report.XXXXXXXX XXXXate of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXXXXXX XXXXate of inquiry : XX/XX/XXXXXXXX XXXX XXXXDate of inquiry : XX/XX/XXXX XXXX XXXXDate of inquiry : XX/XX/XXXXXXXX XXXX XXXXDate of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX
Product: Credit card or prepaid card

A couple days ago I received a hard inquiry on my credit report, one that I didn't authorize from capital one one XX/XX/2019. I didn't have the time until now to be able to send this, I believe the company just applied for a credit card and decided to send me one. For months I have been receiving advertising and papers from their company and all I have thrown away. Now I have a credit card from them, that I did not activate and I have a hard inquiry that I never authorized on my credit report.
Product: Checking or savings account

Beginning on XX/XX/2022, some individuals unknown to me used the bank routing and accounts associated with my USAA checking account to fraudulently obtain funds from my account. These XXXX checks had been altered in various ways. XXXX of the XXXX checks had the same check # # XXXX. XXXX of the checks actually had my signature, but the check had been altered with something that made a bumpy writing surface. The others didnt have my signature and had been sometimes been altered with others names on the accounts. 
USAA has not pursued these obviously fraudulent checks ; rather they have refused to pursue these charges, citing an on-line document issued by them in XXXX of this year.
Product: Checking or savings account

My account with Marcus by Goldman Sachs has been locked for 2 months. I was denied an interpreter and suffered a XXXX XXXX XXXXXXXX XXXX because i was unlawfully denied access to my lifesavings. I complied with the banks request and send back the notarized affidavit XXXX weeks ago. Still No action has been taken by the bank to restore access to the accounts.
Product: Mortgage

I spoke to numerous people in different departments and the only one that was very helpful was A man named XXXX in the Re-entry Department. He was very helpful but then days later, I called back and I have been getting the run around and No one wants to help me. I am trying to save my home. Please have this resolved before my home is foreclosed. Thank you!
Product: Credit reporting or other personal consumer reports

I ask this company for a investigation on this XXXXXXXX XXXX account as this account was part of a Data breach.My information was complomised. I filll out a affidavit from FTC that I am attaching.
Product: Credit reporting, credit repair services, or other personal consumer reports

it has been over 30 days and the company has not responded to my request sent by certified mail.
Product: Credit card

On XXXX XXXXXXXX XXXX I received a Chase credit card denial for a card I never applied for. The reason for denial was " Obligations too high relative to income. '' There is a hard credit check on XXXX for the credit card application that I never made.
Product: Mortgage

I became XXXX in XX/XX/XXXX, my income dropped to less than 1/4 of my previous salary, after I exhausted my 401K and retirement benefits before my XXXX benefits were approved. I applied for a home modification loan with my lender Quicken Loans. I started a trial modification in XX/XX/XXXX. At the time, the terms of my loan was : unpaid principal balance : {$110000.00}, the new principal amount : {$80000.00}, with the interest rate going from 4.375 % to 4.75 % for the term of 30 years. The other {$34000.00} was attached to a promissory note, non interest bearing, payable on XX/XX/XXXX or at time of sale or early payoff of original loan which was secured through HUD. The problem that I have with this whole process is that I could not find answers to my concerns of questions regarding this modification and whether I was afforded the best program/solution to meet my needs and allow me to have a successful outcome. I spoke with the HUD housing counselors " XXXX '' on several occasions and received various and conflicting answers/explanations. I was referred to legal aid and other so called help website, all of whom could not offer me any assistance in my area, understanding this loan modification process. I feel that I am at the mercy of Quicken Loan and their network and lawyers and the like, yet I can't find any to work for me.