23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I have the report by I am open the XXXX account in XX/XX/2023 but this account not belong to me, and I didn't realize I have it unstill XXXX XXXX report I was late payment for that. I am try to dispute them but the results not correctly so I'm really want to fix that and because it was late payment 30 day one time already and they report I'm late again in 60 days. My credit score hurt by that and went down alot, so please help me with that, because I never want to late payment anything on my credit card. And I don't want get debt by someone else but I the one not using that credit card!
Product: Checking or savings account

As of XXXX I calked chime bank and told them that i would not be using there. Derict deposit any longer but will keep my bank account open With them. At the end of XX/XX/XXXX I got a call from chime bank telling me that they closed my bank account. I opened up my bank account on XX/XX/XXXX to find out that my payment of {$750.00} was deposit in to chime bank that was not surppose to be and no one inform me of that. They keep telling me that there going to fix the problem. I fax over and e mailed all of my paper work from Ssi/ssa and plus paper work from them from when they closed my account and reopened it and when my XX/XX/XXXX deposit was posted to there bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear CFPB I would like to put a complaint on the credit agencies and XXXX XXXX. I also will put a complaint with the XXXX. I am questioning account numbers XXXX and XXXX XXXX XXXX. Due to the fact I have sent several dispute letters to credit reporting agencies since this year XXXX and it comes back verified every single time. They are claiming that I owe { {$370.00} } to XXXX and ( {$640.00} ) for XXXX on my credit report. I have contacted XXXX XXXX  to get the method of verification and debt validation on this account and they not provided me the information I have requested per the Fair Credit Reporting Act and the Fair Debt Collections Practices Act. I have even submitted a complaint through CFPB and the collection agency have not responded yet. I have sent numerous letters to XXXX XXXX regarding an alleged debt ( s ) that I owe via certified mail. I have requested validation that this is my debt or account and they have failed to provide me with any contract that I signed with them or with any contract with the original creditor bearing my handwritten signature. They are reporting inaccurate information to all 3 credit reporting agencies, therefore damaging my credit beyond repair. I have given them an ample amount of time to validate and correct this matter and I have not gotten any response to my letters. I ask these accounts to be removed from all three credit files.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : 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 1692G - VALIDATION OF XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current XXXX there is some inaccurate information reporting XXXX XXXX Account Number : XXXX Please remove it from my credit report. 


3. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


4. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


5. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


6. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


7. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


8. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.

9. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Product: Consumer Loan

The issue is that Chase Bank Auto Lender are not following the contract I signed with Chase Bank to lend me money for an auto, XXXX, XXXX, money paid by me is not applied per the contract terms I signed. 
The Chase Bank account1 number is 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

Date : XX/XX/XXXX Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX SSN : ***** XXXX Contact : XXXX XXXX XXXX DOB : XXXX XXXX XXXX Re : Disputing Inaccuracies on My Credit Report XXXX XXXX XXXX XXXX XXXX, IL XXXX OR XXXX XXXX XXXX XXXX, PA XXXX To Whom it May concern : I received a copy of my credit report. To my surprise, you are reporting this account incorrectly. It is inaccurate because I have lived at XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, GA XXXX for five years and I have never lived in these addresses reported on my FICO report. Please consider this a formal request to investigate and correct the following ( 6 ) inaccurate addresses on my credit report issued by your agency. These items must be removed in order to show my true credit history. I make this request pursuant to15 USC Section 1681i of the Fair Credit Reporting Act of XXXX. As required by the Act, I demand that you re-verify each of these items, and that the inaccurate items be deleted from my record. The following addresses listed below : XXXX. XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX, MD XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX Please reinvestigate this matter and delete the disputed item as soon as possible. 
Sincerely, XXXX XXXX XXXX, Thank you
Product: Prepaid card

I have multiple American Express Gift Cards that do no work with online retailers. The balance on each of these gift cards far exceed the purchase I am trying to make. I have tried several of my gift cards with multiple online retailers and they get declined. If I use my credit card the purchases work fine.
Product: Mortgage

I applied for modification and completed the trail payments of {$1400.00} in XX/XX/XXXX, {$1300.00} XX/XX/XXXXXXXX  and {$1300.00} XX/XX/XXXXXXXX  as requested on time. They didn't approve the Modification due co-borrow was in XXXX and couldn't sign. He abandoned me and the house in XXXX  and signed a Quit Claim Deed XXXX XXXX. So I asked for a repayment plan and they only want to give me a reinstatement. I tried to get them to let me pay {$5000.00} and spread the rest out for 6 months. I have been going back and forth with them over a month and still can't get any help on trying to keep my house. I want to stay in my home. I've asked this to be Escalated to a supervisor or underwriter but no success there either. They can't tell me a reason why I can't get a repayment plan and I feel that is so unfair because I'm trying to save my home.
Product: Consumer Loan

I took this car loan out XX/XX/XXXX. When the loan was taken out I advised that they can not call my place of employment under any circumstances. I put it on the application and all documents for me and my wife. I had to make a welcome call to GM and give them consent to call my cell, por and my wife 's cell. At which time I advised do not call either POE. Every month when I talked to them you have to verify your phone # and give consent to call. At which time myself or my wife would advise no calls to POE. The agent would always say it is marked. I had no issues until I became sick and fell behind. I kept in constant contact with GM advising of my issues and scheduled payments. I was sitting at my desk one day at work and an agent comes to get me and said the customer is asking to speak to you and will not give any information. I advised please transfer to my desk and I will talk to them. It was not a customer it was GM. They called into XXXX ( my employer ) through a customer line and asked for me until they were transferred to me. When they first called they heard the monitoring disclosure and each time an agent talked to them ( XXXX ) they heard this as well plus heard this from me. They knew they called a customer line and was being recorded. This is my issue. They knowingly with intent called the customer # to cause harm, embarrass, and put my job in jeopardy by calling. The call is recorded and over XXXX people are now privy to my personal information because GM broke the law by knowingly calling in on a customer line and pretending to be a XXXX customer to get to me. Issue XXXX on XXXX XXXX late night my vehicle was taken from my driveway. I thought it was stolen. No G M illegal repossessed my vehicle. I was late, yes I admit that I was 45 days late with a payment scheduled through GM XX/XX/XXXX. I was in constant contact with them and they were aware of the payment plan. They took the vehicle with no notice and a payment pending in their system which would have brought it less than 30 days delinquent. I want XXXX XXXX things to happen. 1 GM gives me all funds paid on the vehicle, takes it back and marks it as paid in full. 2 GM provides me with a paid in full letter and we go our separate ways. GM breached my confidentiality by calling in on a customer line where over XXXX people now have access to that call and personal information. If these XXXX options do not fit for them I am open to hear what they have to say. If need be I will sue for breaching my confidentiality willfully with the intent to cause harm.
Product: Checking or savings account

I tried to make a payment and miscalculated over by {$200.00} on XX/XX/XXXX. I've since, 12 days later, have not had the error cleared with that credit card payment attempt with XXXX bank. I have pursued resolve with both XXXX and Ally and I still have no solution. Both banks blame each other. XXXX says they're waiting on Ally to finish their job with the fed reserve for the fed to send back the error. I asked Ally to fax XXXX, which city at first said would help, and later said would not. Ally though, said they won't, and to use my email letter I received. I have since used the letter to fax to XXXX. Ally said they'd forgive my error and return my {$25.00} overdraft fee. They did do that, then somehow, insanely, have RECHARGED me {$25.00} two more times. This is insane.
Product: Debt collection

I get calls from the auto company Consumer Portfolio Services about my auto loan and when asked about the loan its always the same your this many months or days behind. Ive asked why is it Ive had this vehicle 3years and the payments are still the same as when I financed the car. Two years ago Ive asked them. To apply the payments to the loan amount they told me if I want that to happen that I can double my payments.and I can see decrease.They call me everyday sometimes twice a day, e-mail on top of the letters they mail out weekly. Ive informed them about it. I know Im behind they dont have to threaten me everyday. They tell me they can help me with my payment just to turn around and threaten to do a repo on me but I can stop it if I pay whatever amount they come up with, when I pay something they still then turn around and say they gon na repo me again after I pay or make arrangements. I dont need the harassment. I can not get the proper amount I owe on the vehicle. its the same as when I first financed the vehicle three years go ( {$12000.00} ) Three years later Its still the same .They are reporting it on my credit report incorrectly as well.But all these different people calling leaving voicemails messages, emails and texts messages and they all telling me something different is confusing. They are dropping my credit score by doing repeated inquiries on me which is making my credit score drops down.
Product: Student loan

On XX/XX/2018 I sent a question to Navient via their website and have received nothing back in regards to it apart from a automated email saying they would get back to me shortly. In light of this I sent another email on XX/XX/XXXX, and again got an automated reply but no answer. I'm attempting to learn how I can make sure that payments I make are made toward the principal sum of the loan rather than accrued interest ; this information is time sensitive for me.
Product: Checking or savings account

I received a phone call twice from XXXX ( XXXX ) XXXX ( XXXX, NC ) I answer the call assuming it was spam. The caller told me he is from chase bank calling to confirm suspicious activity on my account. He states that there is a {$900.00} charge on my account reported in XXXX. He asked me if this was indeed not me who made this purchase. 
In XXXX I received a slew of text messages with a similar ordeal. I do not know how they have my phone number, Im not sure if they know anymore info about me other than my phone number. I do not want to receive these calls anymore.
Product: Credit reporting, credit repair services, or other personal consumer reports

my mortgage servicer   XXXX   paid my home taxes without my knowledge in  XXXX  i do not have escrows and always pay my own home taxes and insurance. several months after the incident i realized my credit posted a negative delinquent status from  XXXX  even thou i had continuously made principal and interest payments as scheduled and never missed a single payment. the negative delinquent status came from   XXXX    automatically enrolling me in forced escrow.  XXXX  took it upon them selves to increase my dues to cover escrow without notifying me. when i realized  XXXX  had paid my taxes on my behalf i immediately reimbursed   XXXX   the full 100 % plus penalty for my taxes and requested to be taken off forced escrow and asked to submit a correction, reversal, or letter of clearance on the negative information on my credit.   XXXX    readjusted my account to show  XXXX  escrow balance but never correct my credit. the next year  XXXX   XXXX  paid my taxes again this time before they were even due, even if i was no longer on " forced escrow ''. again several months go by and i find negative delinquent status for  XXXX  and some for  XXXX  again i immediately reimburse   XXXX   the full 100 % tax paid amount. again i ask to please permanently remove my account from forced escrow so this incident does not continue to happen and to correct all of my credit reports for  XXXX  i have come to a roadblock in trying to come to an agreement with  XXXX . the money i paid during " forced escrow '' time frame seems to have disappeared in my account. i will post P & I monthly bank statements and the tax reimbursement payments from my back account. i need   XXXX   to realize they paid my taxes and i reimbursed them 100 % as asked from  XXXX  ( reflected as  XXXX   ) th e money " held in escrow '' should have been reflected as P & I and my credit needs to be corrected.
Product: Credit reporting or other personal consumer reports

Account hacked, account closed by our requests, never received a bill, statements show {$0.00} balance as it should, credit report show balance 2 years past due, was told several times in the beginning, from local branch it was being taken care of that it takes time, same as costumer service, no one know what's going on now and will not resolve it, I have statements they have on file and balance is XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There are accounts on my credit report that are not my accounts! I was going over my credit earlier today when I noticed them! I am freaking out! I have never heard of anything like this before! Who gave permission to put someone else accounts on my credit? This is an unacceptable mistake or fraud! I am the only one who has access to my personal information and the only one allowed to us it. So how did this happen? Now my credit is so bad that I cant even get approved to move into a new apt . Help me please!
Product: Debt collection

To Whom it may concern, Below is the letter that I sent to the creditor over 60 days ago to dispute the reported debt. To this day I have not received any response from the creditor. Also, I never received anything stating that this debt would be added to my credit report and have not received any kind of written notification.

To Whom it may concern, Please note, this is not a refusal to pay, rather a statement that your claim is disputed and validation is demanded. ( 15 USC 1692g Sec. 809 ( b ) ) I do hereby request that your office provide me with complete documentation to verify that I owe the said debt and have any legal obligation to pay you. Please provide me with the following : 1. Proof that you either own or were assigned the debt from the creditor.

2. Proof that you have the right to collect this debt in my state.

3. Proof that your company carries a bond.

4. Proof that the Statute of Limitations has not expired.

5. Complete payment history on this account along with an accounting of all additional charges being assessed.

6. Copy of the original contract bearing my signature.

7. Your license numbers and Registered Agent 8. Name and address from the original creditor.

Please do not send a computer printout itemizing your outstanding debt, as this is not sufficient proof according to the Fair Trade Commission opinion letters. 


Thanks in advance,
Product: Debt collection

I have disputed 2 accounts with Equifax S.S. # XXXX Credit file : XXXX XXXX Conf # XXXX/Account # XXXX Credit file : XXXX XXXX Conf # XXXX Account # XXXX I have disputed these collections accounts recently and Equifax has failed at legitimately verifying that these accounts belong to me ; nor do I consent or will I conform to these items being listed in my credit file fraudulently. I have attempted to dispute these accounts with an Equifax representative over the phone with no success, the representative was not fluent in English. The collection agency XXXX XXXX XXXX XXXX that is reporting this information to Equifax is currently under investigation for fraud by the U.S. Security and Exchange Commission and I have reason to believe that Equifax is willfully and negligently reporting inaccurate and unverifiable information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a student attending classes online through XXXX  XXXX college. I have received several loans to pay for my schooling. I am also employed by the local XXXX    department, which has a program that I am enrolled in which qualifies me to have deferred payments every year. I have taken full advantage of this program which helps me out a lot. I recently checked my credit report and was surprised to see all of my loans were reporting ninety day late payments. I spoke to the customer service department back in XXXX of this year and they assured me that the late payments would all be removed. it is now XXXX and the late payments are still reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account # : XXXX Just wondering the reason as to why this account is still showing up on my credit report, also see attached. 

This account is a dead trade line and is over XXXX years old. Could you please see that this account is deleted from all the credit reporting agencies that you use. 

Thanks you.
Product: Payday loan, title loan, personal loan, or advance loan

I am constantly getting treating emails from an attorneys office threatening legal action against me. I never applied for a loan and I recently found out my personal information is on the Dark web. Im constantly being harassed by loan companies saying my loan was approved but I never applied for a loan
Product: Debt collection

The following items are of concern of this debt item showing up on my credit report. 

1. Each item exist at the CRA 's, XXXX, XXXX, and XXXX. 
2. I do not believe this trade line is owed by me. 
3. These items present themselves as if Transworld granted credit to me " credit grantor '' I have no contractual agreement with Transworld. 
4. I have requested validation of debt and nothing has been received 5. Data elements on the credit report specified for use by credit grantors are populated by Transworld. 
6. There are no monthly terms with a debt collector, please delete this inaccurate and incomplete tradeline. 
7. I never added a comment to this account
Product: Money transfer, virtual currency, or money service

Coinbase, XXXXigital currency exchange platform co., for my XXXX savings. Coinbase took {$22000.00} USD out of my portfolio. Happened on XX/XX/2021. 
I never released any of my ID data, etc. to anyone. CB is making it very difficult to help me recover my funds. Said could not be traced? WHY? I think this was an " inside '' job. I am XXXX XXXX XXXX with XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

Delinquent/Derogatory payment with XXXX XXXX XXXX for the month of XXXX or XXXX of XXXX  ), showed on my credit report with all 3 bureaus ( XXXX, Equifax, XXXX ). 

Request made to XXXX for correction. 

Received phone call from XXXX that adjustments had been made and letter was sent to credit agencies directing them to delete the account. 

Received copy of letter XXXX sent to credit reporting agencies ( via USPS ).
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX XXXX I was in fact a victim of the XXXX data breach that happened years ago. My Information was sold and bought illegally by God knows who. I have a list of accounts from my credit report that needs to be deleted immediately. I am also attaching proof of me being a victim of the XXXX data breach. Please help me delete these accounts from my credit profiles. 

XXXX XXXX XXXXXXXX reported balance as of XX/XX/2022 XXXX XXXX  XXXX reported balance as of XX/XX/2022 XXXX XXXX bank loan XXXX reported balance as of XX/XX/2022 XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX this was the start of my credit being acted by an outside entity )
Product: Debt collection

I got a bill from Resurgent Capital Services XXXX XXXX XXXX, XXXX SC XXXX tel : XXXX but the original creditor is XXXX XXXX XXXX XXXX, a utility company. 

This bill is originally in regards to an account someone opened up for utilities with XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX, TX XXXX This person committed fraud by using my social security number to open the account which was for an apartment in Texas. 

Ive never lived in Texas. Just California and Nevada. 

This is fraud. Please help I want this off my credit report.