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

I received a copy of my credit report and found the following item ( s ) to be errors. See the attached copy of my credit report ; the errors have been highlighted. Here as follows are items in error : XXXX XXXX {$0.00} opened : XX/XX/year> By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this investigation within 30 days of receipt of this letter. 
Thank you for your time and help in this matter.
Product: Debt collection

XX/XX/2020 Dear CFPB Consumer : XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX Last for SS XXX-XX- XXXX. 
Balance {$350.00} Complaint against : XXXX XXXX XXXX  and Chex Systems XXXX XXXX XXXX  : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Account # XXXX please removed from my Chex systems report. 
Account # XXXX please remove from my Chex system report. 

Neither of these entities have been verified I have received no receipts or overdraft or anything XXXX XXXX  has not responded to my letters or my request to valid this. CHEX SYSTEMS have not given me any proof of this. 


I have written a letter to Chex Systems and told them to validate a debt that was in by Chex Systems report. I have asked Chex Systems to remove this from my report they wrote me a letter stating no they will not remove this information it was validated they did not send me what was validated and where the balance came from I was told the balance will be left in my report. This is causing damage to my creditability I want it removed I contacted XXXX XXXX to settle this issue I asked them to provide to me where this balance came from and if they can find out where and it is presumed accrued by me I offer them a settlement of 50 % of what the balance they are stating is and also to have those accounts removed from my reports. The Chex Systems report states I have a balance of {$350.00}. Chex Systems did not send me how this balance was created although I must have this out of my report. This balance is presumed from 4 years ago I do not remember having an overdraft with them or a balance. I do not owe XXXX XXXX any money how and receipts when where. 

I want both entries removed from my Chex Systems file please. Neither Company has shown me where these balances came from since they can not it must be removed. 

XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

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. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
2. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
3. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
4. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
5. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
6. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX  Account Number : XXXX Please remove it from my credit report. 
7. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report.
Product: Debt collection

i sent a letter to lvnv funding on XXXX-17 and didnt receive documentation of accounts. the a fdcpa violation
Product: Debt collection

To whom this concern : A random {$71.00} attempted to collect a debt that I do not recognize from collections agency AMSHERCOLLECTION SERVICES, there is not way to contact this collection agency, no telephone, email, address, or no way to get in touch with them in regarding this charge, and I this is not a charge that belongs to me. I would like this removed off all 3 major credit bureaus within a timely manor if can not prove this belongs to me. I would like a debt validation letter for what this invoice inquires and what charge is for and if it is proven valid.

Thank you, Have a great day
Product: Debt collection

NCC collected 5 x {$6.00} card fees that were not disclosed. Although the company may NOW be charging this fee in the state of Florida, they did NOT in XXXX. Multiple agents with the company confirmed this fee should not have been collected. 

There were sporadic {$6.00} charges attached to payments made on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I contacted the company on XX/XX/XXXX and was advised to email XXXX. The company has confirmed my email was received and uploaded on XX/XX/XXXX. I have made multiple follow up calls to no avail. The agents have hung up on me, sent me to voicemail without warning, and simply ignored the voicemails I did leave. The company has made no attempt to resolve this matter. Please review.
Product: Credit reporting

FHA Loan-short sale, FHA requires that I am late on my mortgage payment to be considered for a short sale. 
Due to medical issues, job change and increase in expenses ( due to XXXX issues ) our family experienced a hardship and was forced into a short sale and in order to be considered for a short sale FHA requires us to be late on mortgage payment please see attached FHA bulletin stating it is a requirement to be late on my mortgage payment. I am unable to secure a loan now when my family is more financially viable. I am being discriminated against due to a government requirement to be late on my payments. It is imperative we are able to secure a new loan to move forward with our lives and maintain a standard of living after going through a hardship.
Product: Credit reporting or other personal consumer reports

XXXX, XXXX, & Equifax continue to report incorrect information on my consumer report. My name and address is reporting incorrectly on each consumer agency report. This is causing me significant damages. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX, FL XXXX Delete this information my consumer report.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXX Balance : {$18000.00} XXXX XXXX XXXX XXXXXXXX XXXX Balance : - XXXX XXXX  XXXX XXXX XXXX XXXX : -
Product: Vehicle loan or lease

I have a vehicle loan that I was awarded and am responsible for as a result of my divorce in XXXX XXXX. After the divorce my ex-wife remarried and together her and her new spouse filed for bankruptcy. Since her name was attached to the vehicle loan this vehicle was included in on the bankruptcy. I have spoken with Wells Fargo about this and as long as I keep making payments there is nothing to worry about with the bankruptcy. 

Only problem is that I no longer receive account statements and have any access to this account and the details of it online or otherwise. I have tried to submit inquiries and contact XXXX XXXX XXXX XXXX regarding this but I have not received any contact in return. I have thought about paying off this account or making larger payments to get it paid off rather quickly but I am in the dark with balances and where I stand with any early pay off penalties that may exist.
Product: Checking or savings account

On XX/XX/XXXX I received a text prompt from pen fed about a charge I did not make. I called pen fed and notified them the charge was unauthorized. The person who I spoke to notified me that they will cancel my card and open up a dispute for the transaction. A month passed and no word or communications in regards to this dispute was made. It wasn't until approx XX/XX/XXXX I called them to inquire about this dispute - after several dropped calls and being flung from department to department the following things were revealed. 
1. An additional charge of XXXX was made to my canceled card as an unauthorized charge. 
2. The original dispute that I filed was in fact not filed by the incompetent dispute team. 
3. In order to file a dispute I would have to clear the negative balance that the unauthorized charges created. 

My account wasn't negative until the additional charge was made in XXXX, in addition when the XX/XX/XXXX charge was made, my account was not negative and furthermore I was told that it would be disputed. 

I'm not paying for the negative charges when your incompetence on two occasions is why my account is in arrears.
Product: Credit reporting or other personal consumer reports

REMOVE XXXX  ACCOUNT FROM CREDIT FILE THIS ACCOUNT AND BALANCE DO NOT BELONG TO ME REMOVAL LETTER ATTACHED
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE BEEN A VICTIM OF IDENTITY THEFT AND FRAUDULENT INQUIRIES CONTINUE TO APPEAR ON MY CREDIT. THE FRAUDULENT INQUIRES ARE AS FOLLOWS : ROYAL UNITED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Didn't receive enough information to verify the debt. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify through the physical verification of the original signed consumer contract-any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could mail, fax, email in a fraudulent account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion replied to my complaint number :  XXXX . In their response they stated that   XXXX    XXXX   XXXX  account numbers :  XXXX ,  XXXX ,  XXXX , and  XXXX  reflected  XXXX  balance, dated close of  XXXX   XXXX  which is not true. It really concerns me even more that Transunion do n't investigate a through investigation and really look at my report. It clearly shows that as of today  XXXX / XXXX / XXXX    XXXX   XXXX   is showing I owe {$50000.00}. Which is n't correct! Please update my account to   XXXX   since Transunion is stating that my current account shows this balance. This account shows the same date as Transunion response  XXXX   XXXX ,  XXXX . This is at this point a fraudulent account. Please delete this account. The attached report is update to todays date of  XXXX / XXXX / XXXX .
Product: Money transfer, virtual currency, or money service

I created a XXXX account on XX/XX/2021 and sent a copy of my drivers license for verification. It has been almost a month and I still have not been verified. I deposited {$500.00} in the account and they gladly took my money. However, when I tried to withdraw my money, Gemini wouldnt allow me to and I get a pending verification notification. I contacted their support on XX/XX/XXXX, and I got a response on XX/XX/XXXX saying they received my support request, but did not include any information of the status.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried contacting Experian several times about errors on my credit report and they failed to investigate and remove them. They continue to report and illegally verify erroneous information even after notice and confirmation of the information being wrong. They have violated my right to an investigation which violates the FCRA. I have waited now 70 days and they still have not fixed the problem.
Product: Credit card or prepaid card

My Account ending in ...  XXXX  has a balance of  XXXX  dollars. My full name is  XXXX   XXXX , my last  four  of my social are  XXXX , my security key on my account is  XXXX  ( where is I was born ). I have a balance of  XXXX  dollars and it is incorrect! I wrote a letter to AE fraud department but you never credited me the fraud charges!     First of all where does this  XXXX  dollar balance even come from? Everything on my account after    XXXX    2016    was fraud. So If you have not credited me anything since  XXXX   2016 , please apply the credits, if you do then you will see that I have NO balance on my account because after  XXXX , i have had  XXXX  dollar balances and I have NEVER used m y American Express ca rd since then at all. In fact I should have some credit balance.     Also, the following are few charges I have not received credits for though I sent you the statements in the mail with the charges circled about 10 days ago ( the statement is also attached in this message through CFPB ) :  1.   XXXX / XXXX / 16   XXXX   XXXX   XXXX   XXXX  MD {$44.00}  2 .  XXXX / XXXX /    16    XXXX   XXXX   XXXX  TX {$210.00}  3.   XXXX / XXXX / 16    XXXX   XXXX   XXXX   XXXX   {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

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.

15 U.S.C 1681 section 602 A. States, I have the right 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 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector XXXX not communicate with a consumer in connection with the collection of any debt. 


XXXX ADDRESS : XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX EMPLOYER : XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXXXXXX Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 
These companies have refused to do work on disputes even though they're required by the law to do so. 

Accounta name : XXXX Account number : XXXX
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found several items on there to be inaccurate. Under 15 U.S. Code 1681e { b ] Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i [ 5 ] Treatment of inaccurate or unverifiable information [ A ] In general if, after any reinvestigation under paragraph [ XXXX ] of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- [ i ] promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and [ ii ] promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Please remove the following items from my credit report, immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Several times throughout the year I go on and off of XXXX XXXX due to my position and specialty in the service. Under the Servicemembers Civil Relief Act ( SCRA ) Title 50 USC I am entitled to a cap of interest at the rate of 6 % per year. I have been requesting this relief from American Express ( AMEX ) for two years now and AMEX has denied every claim I have requested or AMEX has arbitrarily closed out my request and started a new request to extend their timeline on when they need to answer or reduce my interest rate. American Express has stated that they checked the system and did not see me on XXXX XXXX so will not be applying SCRA benefits. However, XXXX that enter XXXX XXXX rarely ever get put into the XXXX XXXX XXXX XXXX ( XXXX ) which is the system they stated they utilize. Title 50 USC 3937 ( b ) ( 1 ) ( i ) clearly stated that a service member can provide military orders, which I have done in the case, and Title 50 USC 3937 ( b ) ( B ) ( i ) states that a creditor may utilize the XXXX in lieu of orders however it does not grant American Express the ability or right to discard orders provided where the service-member is not in the XXXX.
Product: Credit card or prepaid card

Capital One Will not allow external applications ( personal finance ), that I have granted permission to, access my financial data. I believe I have a right to allow my finances, and all the data that comes with them, to be accessed in a manner that I feel will benefit me the most.
Product: Credit card or prepaid card

I was offered {$150.00} to open the account, and spend {$1500.00} in 90 days. The {$150.00} was to be paid in two parts. {$100.00} after meeting the spending requirement ( got it XX/XX/XXXX ). {$50.00} was to be posted 45 days later. 

It's been more than 45 days. I've written an two emails, made three phone calls, uploaded a photo of the offer and NOTHING. Reference numbers XXXX XXXX.
Product: Credit card or prepaid card

The apple app crashed where my payments were being made via auto-bill and I was not able to make my payments for XXXX and XXXX of this year. I reached out to the company but it took two months for them to resolve this issue with the app. The company was notified and were aware of this payment issue. However, they never notified me of this app issue causing late payments on my credit report. I now can not get approved for a mortgage because of these marks on my credit. The company will not help me with this unfair situation.
Product: Checking or savings account

XX/XX/22 Received via US mail a packet of blank checks from TD Bank, with an account opened in my name, and the checks had my name, address, and cell phone number printed on them. These were unsolicited materials, and I did not open an account with TD Bank. I do not have any business with TD Bank. 

XX/XX/22 Received via US mail three separate letters from TD Bank, each addressed to me, each referring to different bank account numbers and each documenting deposit and credit transactions that I did not make, with bank accounts I do not have. 

XX/XX/22 I reported the account/bank fraud to TD Bank , and confirmed with three credit bureaus that my credit is frozen. 

XX/XX/22 I will be contacting my personal bank to report banking fraud in my name, and I will be contacting my local sheriffs office about the TD Bank fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

Once I went to Fedloan Servicing a year or two ago, my credit score has declined significantly ( even though I make my payments ) every month because they continue to add thousands of dollars to my loan. I am never in default. My loan amount used to be less than 70K and now it's over 100K. How did this happen within the short amount of time I have been with FedLoan Servicing?! Additionally, the qualifying payments are incorrect. I have been paying my loan since XXXX through a qualifying employer - through working a public service position with the County agency where I live. I have not went past the 14 day late payment issue and yet my qualifying payments as of XX/XX/XXXX is for 4 years ( 53 payments ). This can not be correct. I have paid every month for about 8 years. Calling customer service is always a dreaded experience. I get the run around, I get people who are incompetent, and I get incorrect information. They do not want to do any extra work to figure out this issue. I am now going to go back to my bank and have a report done to show all my payments paid and when they were paid so I can present this to Fedloan Servicing so they can correct this error. I don't even know if my bank will go back this far but the point is, I shouldn't have to. I would like documents of dates and payments to show me specifically how they are getting their numbers. Why are they adding thousands of dollars to my loan and why are my qualifying payments so low? My interest is 5.5 % - I can't imagine this would cause a XXXX increase in my loan. Ridiculous!
Product: Credit reporting or other personal consumer reports

I did not authorize these inquires. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX