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

On XX/XX/XXXX of 2024, I contacted Experian, XXXX and XXXX, contesting the inclusion of an erroneous XXXX on my credit report. I was asking the agencies the method of their investigation. I received no response. According to 15 USC 1681a- ( e ) " mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information.

According to 15 USC 1681 ( a ) ( 4 ), " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the CONSUMER 'S RIGHT TO PRIVACY. '' This also is an infringement upon my right to privacy. Also, according to 15 U.S. Code 1681b ( a ) ( 2 ) -Permissible purposes of consumer reports " In accordance with the written instructions of the consumer to whom it relates. '' I have not given any written instructions to put any such information on my credit report.
Product: Debt collection

Collection account was placed on XXXX credit that does not belong to me.
Product: Credit card or prepaid card

Earlier this year, I purchased two XXXX XXXX tickets, which I initially mistakenly disputed with Chase. I called Chase right away. They said they were going to stop this dispute from reaching XXXX XXXX so that I dont lose my reservations, and that they would rebill me for the initial dispute credit that was automatically given to my account. 
A few weeks after this happened, XXXX XXXX canceled my flight reservation. I called the airline, and they told me that Chase requested the money back, and they processed the cancelation. 
I called Chase, and they told me they didnt have that money. I then went back to XXXX, and they were kind enough to research the charges with their accounting team, confirming that money was sent back to Chase upon their request. 
Since then, Ive reopened the case many times and spent a lot of time with Chase without a resolution. XXXX XXXX confirmed they sent money back to Chase and has never gotten the rebill amount, but Chase wont credit the {$380.00} back to my account. 
I lost my reservation due to Chases mistake, and in my latest conversation, Chase told me that if I had a problem with those charges, to handwrite a letter to the Executive Office at Chase. 
I am writing today to CFBP begging for help with resolving this situation. I am in a vicious circle where Chase is not responding to my inquiries anymore, XXXX confirmed they dont have that money to credit me back, and I spend time on the phone with people from Chase who arent willing to help me. 
I dont have a way to access the transactions and see where the money is and to get it refunded, and I hope CFBP can help me.
Product: Debt collection

I received an alert on my credit report some time ago that a new collections account had been added by the firm JHPDE FINANCE I , LLC. I was able to find three phone numbers and an e-mail address for them and have contacted them at each multiple times throughout the last few months in an attempt to settle the debt. To date, my voicemail messages and my e-mail messages have been ignored, and the collections account continues to harm my credit. I attempted to get the Credit Bureaus involved to force them to contact me or remove the account, but the effort turned out to be fruitless. All they did was write me back saying " Yep, that's your debt. Call them. ''
Product: Mortgage

Chase Bank NA Mortgage has illegally reported XXXX late charges on our credit bureaus severely affecting us from getting any home loans or refinancing. 

No notice was given to us, no grace period was given to us, we were not notified by certified mail, but they went ahead causing severe financial and emotional damage to us. 

Even after explaining they are not willing to understand or resolve this matter.
Product: Credit card or prepaid card

Applied Chase British Airways Visa Card on XX/XX/2020, got a letter in the account the next morning saying credit card request was denied stating had too many non mortgage or auto loans. I have only one personal loan other than mortgage account which is paid off in another 20 months with on time. Do not have any other payments and everything is paid off. My credit score is in excellent category with  score over 790 for all the bureau 's. 
I called chase and spoke with a credit analyst and stated all these points and explained, credit analyst reconsidered and approved credit cards. However, the interest listed on the application was 15.99 - 22.99 and credit analyst approved me with 22.99 INTEREST RATE which essentially says that I have the worst credit rating possible, which is definitely not the case based on my credit history or score. My income is also rather high. 
when called, lending department from chase said that they do not have to explain why the interest is so high. 

I do have another credit card with the same company which has XXXX credit limit with 15.99 interest and when it was approved, I had the way less score than I have now and definite lesser income and less than perfect credit history. 

Tried to call them multiple times and even asked to speak with Fair Credit lending department with in chase to complain to which I was hung up upon and rude customer service.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any following items on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the following items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$3500.00} ; XXXX XXXX Balance : {$11000.00} ; XXXX XXXX Balance : {$17000.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$11000.00} XXXX XXXX XXXX XXXXXX/XX/2022 ; XXXX XXXX XXXX XXXX XXXX XXXX 
According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 USC 1681 Section 602 States I have the right to privacy 15 USC 1681 Section 604 A Section 2. It also states a consumer reporting agency can not furnish a account without my written instructions 15 USC1666B : a creditor may not treat a payment an a credit card account under an open end consumer credit plan as late for purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian - inaccurate information on my report * XXXX XXXX XXXX Opened : XX/XX/XXXX inaccurately showing XX/XX/XXXX late payment, please correct inaccurately showing the status of 30 days past due when the account balance is XXXX and the account is closed. 


XXXX XXXX  - XXXX : XX/XX/XXXX - inaccurately showing late payments. Please remove this listing completely in accordance with XXXX XXXX XXXX - " 7 years '' XXXX XXXX XXXX Opened : XX/XX/XXXX - inaccurately showing late payments. Please remove this listing completely in accordance with Fair Credit Act - " 7 years '' * XXXX Opened XXXX XX/XX/XXXX - inaccurately showing late payments. Please remove this listing completely in accordance with Fair Credit Act - " 7 years ''
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed fraudulent accounts on my report please remove the account. In the interest of transparency and to avoid any delays in processing I have added my bank account statement as proof of address my social security card, passport and state driver license.
Product: Credit card or prepaid card

It appears that there has been a fraudulent charge to my acct. in the amount of {$180.00}. 
also, a payment in the amount of {$28.00} of XX/XX/2020, was not received by this payee from my bank., even though I have proof of an electronic payment being made. 
In addition, I was assed interest charges and a late fee of XXXX because they never received the payment I sent.
Product: Student loan

I had XXXX private student loans with Sallie Mae while I was in school. I refinanced these loans in XX/XX/XXXX with XXXX, XXXX XXXX sent Sallie Mae payments on XX/XX/XXXX and sent me a receipt for payment. Sallie Mae had n't processed the payment on XX/XX/XXXX and wanted me to pay them for a loan that was already paid off. I called and they told me I would have to pay a {$50.00} fee to be put in forbearance so they could research the issue, the issue was their fault from their company splitting in fall XX/XX/XXXX and they should have it resolved in a week or XXXX. I paid the fee and waited and then I received a bill in XXXX telling me I still had a payment due. I called and they had no record of my dispute from XXXX, and told me the only way they would research their mistake is if I electronically sent them proof of payment from XXXX or if I conferenced called them with a XXXX representative. Also, XXXX had overpaid in XXXX so Sallie Mae was actually holding over {$350.00} of my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

Based on my attorney advice, I request Equifax to take my complaint serious and answer to my attached letter ( also mailed to Equifax address ) clearly. Unless Equifax removes the account ( XXXX ) from my account, by the California law I request a full description of the procedure used to determine the accuracy and completeness of the information including the business name and address of the furnisher of information contacted. 
-- -- - Based on my investigation, the collector ( XXXX XXXX XXXX or XXXX ) has improperly aged the real date of first delinquency ( which is on XX/XX/2018 ) to the service date ( on XX/XX/2018 ), and then reported to Equifax without any notice to me. My insurance claim shows that the medical center ( the creditor ) submitted the claim very late on XX/XX/2018 ( more than 3 month after the service date ), and then the creditor billed me on XX/XX/2018. 

If an account is established under what is called open-type credit ( not to be confused with an open account ), then the full amount is due when BILLED. By the law, the consumer has 180-DAYS from the day of first delinquency ( DOFD ) to pay the medical bill before the agency is allowed to report it to the credit bureaus, but XXXX reported it on XX/XX/2018. ( 1 ) XXXX did not send any collection notice to me before reporting. ( 2 ) XXXX altered the date of first delinquency. ( 3 ) XXXX reported the account before 180-days period, and Equifax did it!
Product: Credit reporting, credit repair services, or other personal consumer reports

I incurred a medical debt in an amount less than XXXX in XXXX ( which I have tried to resolve for XXXX years with no success. ) According to the CFPB 's XXXX 2022 analysis, this should no longer be reporting to my credit record, yet it still remains.
Product: Debt collection

Received a call from a " process server '' to confirm address in order to serve me. Called my cell phone and my workplace. No info given, supposed server is a XXXX XXXX XXXX, was given the number XXXX to call with a reference number.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward to furnishers, accepting unreliable responses, and failing to adequately notify consumers-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Checking or savings account

Several accounts were opened in my name, it could have aversely affected my credit.additional investigations have revealed more unsavory practices at Wells Fargo. 
The fees that I have been charged for overdraft fraud have been ridiculous. 
I insist everyone of my accounts be looked into with a fine tooth comb and I want my money back. XXXX XXXX XXXX.
Product: Checking or savings account

My account was used for a unauthorized transaction in the amount if XXXX. I did not give my pin number to anyone and I didn't make these transactions. I spoke with the CEO who told me to provide my police report to help reverse the decision to not refund my money. Since the Corona Virus has stopped all buisness and I have been just out of my money. Wells Fargo has no insurance coverage for their customers and I cant afford to lose that amount of money.
Product: Mortgage

We have a 3.5 % fixed rate mortgage. The bank that held the note recently sold it to another bank, at about half the face value because interest rates have increased so dramatically. I would like to buy the note but cant. It would be stupid to pay off the principle balance, but if I did the bank would have to unbundle the note and release it. Thats exactly what I want them to do, but at fair market value, not face value. This would effectively guarantee a risk free 3.5 % return on my investment and greatly simplify my retirement cashflow planning. This isnt about XXXX XXXX, it is about leveling the playing field for consumers.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX and I'm not filing this claim in the 3rd person. I am a living woman who's privacy rights have been violated. The accounts listed below have reporting to my personal reports and has had a negative affect on my life extremely reducing the ability obtain any credit in my name. 

Account : XXXX, AMOUNT {$510.00}, ACCT # XXXX ACCOUNT : XXXX, AMOUNT {$530.00}, ACCT # XXXX ACCOUNT : XXXX XXXXXXXX, AMOUNT {$650.00}, ACCT # XXXX ACCOUNT : XXXX XXXX, XXXX {$770.00}, ACCT # XXXX ACCOUNT : XXXX, AMOUNT {$970.00}, ACCT # XXXX ACCOUNT : XXXX, AMOUNT {$1300.00} XXXX ACCT XXXX XXXX ACCOUNT : XXXX XXXX, AMOUNT {$550.00}, ACCT # XXXX ACCOUNT : XXXX, AMOUNT {$520.00}, ACCT # XXXX ACCOUNT : XXXX, AMOUNT {$390.00}, ACCT # XXXX ACCOUNT : XXXX XXXX, AMOUNT {$970.00}, ACCT # XXXX ACCOUNT : XXXX XXXX, AMOUNT {$950.00}, ACCT # XXXX ACCOUNT : XXXX XXXX, AMOUNT {$180.00}, ACCT # XXXX ACCOUNT : XXXX, AMOUNT {$270.00}, ACCT # XXXX ACCOUNT : XXXX XXXXXXXX, AMOUNT {$680.00}, ACCT # XXXX ACCOUNT : XXXX XXXXXXXX, AMOUNT {$430.00}, ACCT # XXXX ACCOUNT : XXXX, AMOUNT {$730.00}, ACCT # XXXX ACCOUNT : XXXXXXXX XXXX, AMOUNT {$6900.00}, ACCT # XXXX ACCOUNT : XXXX, AMOUNT {$1200.00}, ACCT # XXXX ACCOUNT : XXXX, AMOUNT {$1300.00}, ACCT # XXXX ACCOUNT : XXXXXXXX XXXX AMOUNT {$1400.00}, ACCT # XXXX ACCOUNT : XXXX XXXX XXXX, AMOUNT {$3900.00}, ACCT # XXXX ACCOUNT : XXXX XXXX XXXX, AMOUNT {$940.00}, ACCT # XXXX ACCOUNT : XXXX XXXX XXXX XXXX XXXX {$780.00}, ACCT # XXXX ACCOUNT : XXXXXXXX XXXX, XXXX {$1400.00}, ACCT # XXXX ACCOUNT : XXXX XXXX, AMOUNT {$930.00} XXXX ACCT # XXXX Inquiries : Here is the list with the credit bureau names removed : - XXXX XX/XX/XXXX - XXXX XXXX XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XXXX XXXX XXXXXX/XX/XXXX - XXXX XXXX XX/XX/XXXX - XXXX XXXXXX/XX/XXXX - XXXX XXXX XXXXXX/XX/XXXX - XXXX XXXX XXXX XX/XX/XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXXXXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX. XXXX I have asked these companies to validate and send proof that these accounts belong to me with contracts I signed in wet signatures. So far, they have not done this.
Product: Student loan

I am adding up all my loans from both of my schools and I am requesting original loan documents and statements of balance since date of disbursement and they are not helping. Things are just not adding up. I don't if it is because I am better educate but I can not wrap my head around the fact I barrowed $ XXXX and had to repay $ XXXX at time of repayment.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX I cosigned a private XXXX XXXX Loan for my wife. In XX/XX/XXXX, we had financial hardship and the loan went into default. The last payment on this loan was in XX/XX/XXXX. XXXX XXXX NEVER reported to the credit bureau the loan going into default in XX/XX/XXXX. In XX/XX/XXXX, XXXX XXXX sold the loan to XXXX who took it over and reported the loan being in default in XX/XX/XXXX, which is not accurate, and therefor it re-ages the loan by 2 years which is also illegal. I have made multiple disputes on my credit report about this issue and it has not been fixed. I have also contacted XXXX directly and they refused to update the information correctly on my report. XXXX told me my last payment was in XX/XX/XXXX so requested proof from them of the last payment on the account and they could not provide it. I have bank statements attached that prove when my last payment on that loan was in XX/XX/XXXX and no further payments were made after that point
Product: Credit reporting, credit repair services, or other personal consumer reports

Within my rights under the FCRA, I have mailed multiple request in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX requesting Transunion, XXXX  and XXXX  to supply their method of verification for the 30 day late payment listed for the XXXX XXXX XXXX  ( Account Number beginning in XXXX ). According to the Fair Credit Reporting Act ( FCRA ), the credit reporting agency is required to give methods of verification within 15 days of your request after confirming the item was accurate. Neither credit bureau has supplied the information for the late payment. Instead I received additional copies of my credit report with no other information stating their verification method.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  In accordance with the Fair Credit Reporting act. All accounts listed above. Has violated my rights. 
15 U.S.C 1681 section 602 A. States i have the rights to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

I am contacting you as a victim of the Data Breach. Since my information was compromised, I am invoking my rights under 15 USC 1681c-2 ( a ) to request that any fraudulent accounts associated with my identity be permanently blocked and deleted from my credit file. Please take the necessary actions to ensure that any unauthorized or Inquiries, as detailed in the accompanying documentation, are removed from my records
Product: Mortgage

On XX/XX/2023 both VMF and XXXX XXXX XXXX were notified that we would be cancelling our current insurance policy with XXXX XXXX and switching to our new policy with XXXX XXXX XXXX XXXX XXXX XXXX, XXXX on XX/XX/2023 VMF issued payment to XXXX for this new insurance policy from our escrow account and the VMF online portal had reflected this change to the new insurance policy. 

On XX/XX/2023 we received a new escrow analysis stating that our mortgage payment was going up, after we review this escrow statement we noticed that on XX/XX/2023 VMF made a payment to XXXX XXXX for the old policy they were both told to cancel, had now been switch back to our insurance policy in the VMF portal ( and XXXX XXXX XXXX which is owned by the same company acknowledged on XX/XX/2023 that the policy was cancelled ) VMF nor XXXX XXXX  did not recognize error or did their escrow analysis recognize their failure and the fact they paid for an insurance policy without our consent. 

VMFs escrow statement also includes many factual errors in addition to the gross negligence around the insurance policy, VMF has the taxes in the escrow analysis incorrect there are two installments of {$440.00} per year at the current tax assessment. However VMF also has a personal property tax listed of {$970.00} which is factually incorrect ; there is no personal property tax only real estate tax. 

In addition in XX/XX/2023 VMF withdrew {$220.00} with no description of where this monies went. We need an audit trail of where this money went. 

Over all the gross incompetence at VMF has been a headache since day one and continues to be a headache every day, no other mortgage company has these problems.
Product: Debt collection

The school was closed and all student loans were suppose to be forgiven due to school closure
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying computer science, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these items. It would mean a lot to me if you could assist in removing the following from my credit report. these are the items : XXXX XXXX XXXX XXXXXXXX
Product: Debt collection

Re : Dispute of Account XXXX Dear CFPB, I am writing to formally dispute the accuracy of the information listed on my credit report regarding the following account : Account Number : XXXX Creditor : FLAGSHIP CREDIT ACCEPTAN Status : CHARGE OFF / LATE PAYMENTS I believe that the information listed on this account is inaccurate, incomplete, or in violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681n. 

The account listed above is listed Clearly and concisely inaccurate as the mentioned account is showing up with a combination of late payments and a charge off with the credit reporting agencies. 

I request that you investigate this dispute promptly and remove any inaccurate information from my credit report. Please provide me with a written response to this dispute within 30 days of receipt of this notice. 

Thank you for your immediate attention to this matter.