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

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and Experian has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these accounts were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Debt collection

I received a test from Unifin, a debt collection agency about opening an account. I have never opened a Unifin account, and I don't know anything about it.
Product: Vehicle loan or lease

XX/XX/XXXX Loan in the stated amount of {$16000.00} to purchase a XXXX XXXX XXXX funded via Credit Acceptance , Inc. was accepted by me at the Vehicle dealership. 
After weeks of communications with XXXX XXXX in XXXX Ohio I purchased a vehicle, a XXXX XXXX. The salesman, XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX after several hours sitting there finally found a lender for the purchase. It was nearing closing time when he came back and told me that the lender, he found was willing to do the loan for XXXX XXXX for the vehicle. The vehicle asking price was XXXX. So, I agreed and moved forward with the purchase agreement. After signing 2 or 3 papers directly for the purchase the financial person stated that he would do the rest of the paperwork online and give me a copy. 
Since it was dark and raining heavily and that XXXX had picked me up at my home I had agreed and did not take the time to read all the documents. I had an hours drive back to Pennsylvania. 
On XX/XX/XXXX I received my notice for payment due on XX/XX/XXXX. After I sent payment, I received several more notices. The next documents received via U.S. mail noted that the loan for this vehicle was for {$29000.00}. I called Credit Acceptance about this, thinking that there was some mistake especially since the papers that I signed noted that the loan amount was for {$15000.00}, or XXXX. On XX/XX/XXXX shortly after notifying XXXX that there was a problem with the exhaust on the vehicle, I could smell it upon startup of the vehicle when cold. The vehicle burned up on the highway after someone notified me that the vehicle was on fire while I was driving at about 65mph. 
The insurance, XXXX sent a payoff notice for the loan. Then I received a statement this month, XX/XX/XXXX for a balance due in the amount of {$14000.00} due on XX/XX/XXXX. I need help with this. According to the insurance company the loan was paid
Product: Debt collection

I was contacted by a third party debt collector on XX/XX/year> about a specific account that I did not own. I didnt sign any contract or authorize any to sign anything on my behalf therefore I do not owe them. The amount in question is {$16000.00}. I requested a copy of the agreement to show my signature.
Product: Mortgage

I am submitting Feedback to a claim with Chase filed on XX/XX/XXXX and XX/XX/2017. ( I have tried for days to reply to respondent, Chase but can not get back into your system ) Ref # XXXX In conclusion : Chase Bank directly lied to me upon my asking if my condo needed to be my Primary Residence. I was told 'NO ' ... .later I was told it had to be my primary residence, but they did not want to 'discourage ' me? Really? 

Lie # 1 After speaking with one of their customer service reps handling my case of loan modifying went on to tell me 'you are not in arrears ' with mortgage payments. Apparently if I am not in arrears I am not struggling. So I asked if it would help if I were to become in arrears? 

Lie # 2 Chase continues to ask me if I would like to re apply for a loan modification? My circumstances have not changed. 

I qualify for the loan modification financially but Chase refuse to help a senior when most needed. My savings will soon run out so apparently Chase would, according to their statements like me to apply once again. 

None of this makes sense. However, I did some research and found that Chase offers a loan modification to its customers but rarely, if ever, approves it. There were hundreds of complaints regarding my type of situation. 

I am XXXX yrs old. I need help. I have been with Chase for more than a decade with an outstanding record of on time payments. Now when help is needed I am denied? 

Why? Is it age related? Predjudice? I  waited 6 months after applying and sending in my life long history of bank acct, social security income and all that was asked ... .Chase had me wait so long that there was not one but two appraisals on my condo! 

When asked if I could refinance, I was denied as well. Chase said my condo was worth less than what I paid for it. 

Would Chase Bank like the condo back? Is that what they are seeking? A fore closure of sorts? 

I have appealed to you because I genuinely feel there is something underhanded, illegal and puzzling about the way Chase has handled their customers. If you could look into their complaints of their business practices, I think you will find some measure of illegal activities going on. 

Thank you for all of your help. 

Chase Bank XXXX XXXX XXXX XXXX, OH XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX reported the XX/XX/year> Mortgage payment as late. It was paid on XX/XX/year> ( to be processed on the same day ) and cleared my checking account on XX/XX/year>. This information is appearing inaccurately on Transunion for XXXX XXXX and XXXX for XXXX XXXX. Attempts to dispute with the bureaus were unsuccessful because both are stating the information was verified as " accurate ''. I contacted XXXX personally and they refuse to update with the bureau. I have reached out to my loan office XXXX XXXX as well as the Customer Service Department, but none would correct the error.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian 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. The aforementioned accounts appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint with the case number being XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, are the result of identity theft and fraud. I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that the XXXX credit reporting agency , block all of the accounts, collections, and hard inquiries identified in this CFPB complaint from my consumer credit file within 4 business days of receiving said complaint. 

Account name : XXXX Account number : XXXX Amount : {$180.00} Account name : XXXX XXXX Account number : XXXX Amount : {$350.00} Account name : XXXX XXXX XXXX Account XXXX : XXXX Amount : {$150.00} Account name : XXXX XXXX Account number : XXXX Amount : {$230.00} Account name : XXXX XXXX XXXXXXXX Account number : XXXX Amount : {$12.00} Account name : XXXX XXXX XXXX Account number : XXXX Amount : {$310.00} Account name : XXXX  XXXX Account number : XXXX Amount : {$190.00} Account name : XXXX Account number : XXXX Amount : {$400.00} Account name : XXXX XXXX Account number XXXX XXXX Amount : {$330.00} Account name : XXXX  Account number : XXXX Amount : {$4100.00}
Product: Credit reporting or other personal consumer reports

Your Statement : Credit card XX/XX/XXXX Closed Closed. {$180.00} past due as of XX/XX/XXXX. 
XXXX XXXX 131 % {$390.00} XX/XX/XXXX XX/XX/XXXX {$300.00} {$25.00} {$180.00} XXXX XXXX know that this account not mines! They still wish to pay I also asking for XXXX because of the failure to investigate please mail me my check
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Inaccurate Information on Credit Report and violation to the Fair credit reporting act. Complaint Summary : I am submitting this complaint against Equifax regarding the inaccurate information reported on my credit report, which violates the Fair Credit Reporting Act ( FCRA ). 
I review my credit report and I discovered discrepancies in the following account ( s ) : XXXX  XXXX XXXX ( account number : XXXX ) XXXX XXXX  ( account number : XXXX ) Under Section 611 of the FCRA, I have the right to dispute inaccuracies and request prompt investigation. I formally requested a reinvestigation of the account information and cited relevant sections of the FCRA, including : 1. Section 609 ( a ) ( 1 ) ( A ) : Requirement for verification of accounts through original documentation.

2. Section 611 : Right to dispute inaccuracies and request investigation.

3. Section 623 ( a ) ( 5 ) : Removal of unverifiable information dont validated for creditor Original.

4. 15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy Despite my request, Equifax has failed to conduct a thorough investigation or resolve these discrepancies within the required timeframe of 30 days. This negligence has led to the continued reporting of false information, which has negatively impacted my creditworthiness. In my request, I emphasized that any unverifiable information should be removed from my credit report INMEDEDIATLY within the mandated 30-day period, as established in 15 U.S. Code 1681i. Additionally, I referenced 15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy. Furthermore, under 15 U.S. Code 1681s-2, furnishers of information are required to investigate and correct inaccurate information upon notice of a dispute.
Product: Credit card

I called three times and spoke to three different people regarding the interest charges on my account. The interest charge and payment increased close to {$100.00} dollars and I wanted to know why. The first person I spoke to stated it was due to the balance on the card increasing. I informed the representative that was inaccurate and the balance had decreased which she then checked the statements and confirmed that to be true. The second person attempted to tell me the same thing and when I informed this representative that was incorrect she hung up the call. I spoke to the third person and she tried stating it was because the bill increased to which I told her that was incorrect and the bill reduced. She confirmed I was correct and then proceeded to tell me it was due to an increase in the interest due to the federal reserve and I asked why I did not receive a notice informing me of this and asked what the amount was. She stated the interest rate increased from 21.99 % to 29.99 %. I informed the representative 8 % would not have caused a {$100.00} increase. She then proceeded to tell me the interest charge and payment increased because I did not pay the full minimum amount in XXXX to which she then confirmed I did make the minimum payment required from that statement. She then proceeded to tell me it was because I was only making the minimum payment and this is why the interest charge and monthly payment increased. By that time I was fed up and informed the representative that I will be filing a complaint with CFPB.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have inquires on my credit that I do not recognize and they need to be removed now. they are all included below and on my ftc report, that are from ( XXXX XXXXard services ), ( XXXX bank, ) ( XXXX XXXX XXXX ), ( XXXX XXXX ) ( XXXX )
Product: Payday loan, title loan, or personal loan

I had ACH debit set up for this loan. I have been paying regularly without issue. I contacted about refinancing the very high, predatory rate. The customer service representative states I can not speak to anyone about refinance and early pay off was not an option. I asked they stop my ACH withdrawals. He hung up on me. My next due date the ACH payment was taken out. I called back and stated I wanted an early payoff. I was going to refinance with another company. I was made to hold for extraordinarily long time. Again ACH debited. I finally sent an email explicitly stating I was contacting this entity and they no longer had permission to access my account. The ACH stopped. They began to call my work place. I asked it stopped. It did not until I threatened legal action. They are aggressive, predatory lenders who bully and harass people. I have no issue getting back on track but now they have forwarded me to the legal dept and charged fees. I have used multiple online lenders without issue. This company is overly aggressive.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my ANOTHER endeavor to tell XXXX CREDIT BUREAUS that I am a victim of identity theft and to complain specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS are required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX XXXX XXXX XXXX, IN XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX AV B XXXX, IL XXXX XXXX XXXX XXXX AV XXXX XXXX XXXX IL XXXX XXXX XXXX Balance : {$370.00} XXXX XXXX  XXXX Balance : {$5100.00} XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX
Product: Debt collection

My brother received a letter at his address with my name on it that states I owe someone {$11.00} for some service? I'm not aware of any such debt? Service debt amount is as of XX/XX/22 and letter is dated XX/XX/22. 
I have no idea or recollection of any service or company name. They are giving me deadline of XX/XX/22. My brother sent me a text message/ copy of the front side of this notice ; I do not have a printer to print out this letter to see the back side of this letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to ALL 3 credit bureaus- TransUnion XXXX XXXX XXXX XXXX several times to have this account ( XXXX ) with ( XXXX name reported on my credit report ). The first time was for them to verify this account and send me documents of their method of verification and proof. I RECEIVED nothing but a stall letter saying that I the account was verified. The second letter I asked for a reinvestigation and they replied with the same letter and ignored my request. I also pointed out some violations on this account to the bureaus that was also IGNORED. This account have different information reporting from each bureau which lets me know that they are also in VIOLATION of Metro 2 Compliance. Each bureau is showing DIFFERENT account numbers on my credit report, HIGH BALANCE, LAST VERIFIED DATE, DATE OF LAST ACTIVITY, OPEN DATE, & CLOSED DATE, just to name a few. This information is INACCURATE which explains WHY the 3 credit bureaus CAN'T verify this account and present me actual PROOF of their method of verification of WHO they verified this account with and the actual ORIGINAL DOCUMENTS bearing MY SIGNATURE.
Product: Credit reporting, credit repair services, or other personal consumer reports

Thank you for allowing me to file this complaint against the credit bureaus. I have decided to take this step before I involve the courts to assert my rights. First thing I noticed is the " credit reporting agencies '' impersonating a " bureau ''. In reality they are not at all a bureau and have no association to the government. The took it upon themselves to report information about me and speak for me without my written/signed consent under 15 USC 1681 ( a ) ( 2 ) ( b ) Furnishing A Consumer Report Without The Consent Of The Consumer. This is deceitful and I am due what is rightly mine. After reviewing my report I see the following XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX that should not be there and I want deleted. The addresses listed XXXX XXXX XXXXXXXX XXXX, AL XXXX and XXXX XXXX XXXX XXXX, AL XXXX are not associated to me and I do not give permission for it to be shown on my report.
Product: Credit reporting or other personal consumer reports

I am writing to urgently request your assistance in correcting ongoing inaccuracies in my credit report. The continued presence of these inaccuracies on my credit report is a clear violation of the Fair Credit Reporting Act ( FCRA ), which mandates that credit bureaus must ensure the accuracy and completeness of the information they report. My repeated attempts to dispute these errors have been met with inadequate responses and no resolution. Despite these efforts, the inaccurate reporting persists. I have enclosed copies of my previous correspondence, dispute letters, and all supporting documentation for your review. I am now seeking for your intervention to ensure these inaccuracies are corrected immediately. The failure to rectify these errors has caused significant harm to my financial standing, and I am prepared to take legal action if necessary. Please conduct a thorough investigation into this matter and facilitate the immediate correction of my credit report. I request written confirmation once the inaccuracies have been addressed. Despite previous attempts to resolve these issues directly with the credit bureaus and creditors, the following inaccuracies persist, severely impacting my creditworthiness : XXXX XXXX XXXX XXXX Balance : {$55.00} You are reporting different information from other bureaus. Per FCRA, reporting must be 100 % accurate or the information must be updated. 

XXXX XXXX  XXXX Balance : {$0.00} Please investigate the account name, date of last activity, and account balance. This information seems to be misleading. This will need to be removed pronto. 

XXXX XXXX XXXX XXXX Balance : {$0.00} Investigate the way this account is reporting the date of last activity, opening date, and the account name. I believe this information may be inaccurate. I need this account removed NOW. 

XXXX XXXX XXXX Balance : {$0.00} I see things may be inaccurate. Start looking at the account name, opening date,
Product: Credit card or prepaid card

I use online banking to pay all my bills. I give them the amount and date due. They in turn send the amount to the various companies to be delivered as per requested. 
XX/XX/2018, {$930.00} was paid as directed. 
When I received this month 's bill, I was charged a late fee and interest for last month! I looked at account on line, and talked to bank. They said the check was sent 5-7 days prior to due date. Yet the deposit from XXXX said they did not deposit it until XX/XX/2018! I did everything proper, according to the bill and according to online banking rules and yet I am the one penalized! 
I called XXXX with all these documents and asked the late charges and interest be removed. I have been their customer for 20+ years and never been late! I was on the phone for 45 minutes and spoke to three departments, four people. They would not do this! What kind of customer service is this? I got disconnected and no one called me back.
Product: Credit card or prepaid card

Thank you for taking time out to review my complaint. 
I have a XXXX XXXX XXXX account with Synchrony bank and my bills are due on the XXXX of the month. I have made payments on the XXXX of the month and Synchrony has assessed {$38.00} late fees on my account. I am paying on the due date and the fees are assessed and then they post a day, two or even a week later.

I recently discovered that this has been going on for some time when I decided to check my bill because I wanted to pay off the balance. I have bank statements along with screenshots of the bill being paid on the XXXX of the month accept for XXXX. This is where i discovered the issue. I asked to speak with a manager and got XXXX who told me that is not what her screen shows.
Product: Checking or savings account

I am stating the situation of on complaint with bank of America, back in XX/XX/2020 i deposited a check of XXXX via picture due that the line to the atm was long. after doing so, 2 weeks later i receive a letter saying that they were closing my acct due to fraudulent activities. i immediately call the bank and they weren't clear of why i was being put as fraud in my account. i let them know my story and told them that the check i deposited was from my water and power stimulus they gave out for low-income families. i have the receipts and i have the actual check with all the information that explains where the check came from. that i needed help and answers but they just keep sending me to different departments and none ever helped me now i am in check system for no reason. i am here letting you know my story and that i have physical proof of my story. i am in check system and i cant open an account due to this matter. i am in a urge to open an account and clearing this matter
Product: Debt collection

I found on my credit report this XXXX, a debt in the amount of {$2300.00} from Innovative Recovery. This is prohibiting me from obtaining a dwelling place. The debt is for XXXX XXXX XXXX, a company that was sold years ago, no longer exists, and is under new ownership. I have sent certified letters. I have called. I have sent paperwork, to Innovative Recovery as proof debt was paid to the Court over 7 years ago. They won't sign for the certified letters I send. And they respond rudely to me on the phone. I have had it removed from all Credit Reports with no problem, sending them the same info I sent to the  Collection agency. But, they Continue to try to collect by mail and phone with very threatening words and intimidating tactics.
Product: Credit reporting or other personal consumer reports

I am writing to request the blocking of information on my credit report resulting from identity theft under Section 605B of the FCRA. I have been a victim of identity theft and the following entries on my credit report are fraudulent. Accounts : ( XXXX  XXXX XXXX, XXXX ; XXXX, XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX