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

Dear Whom It May Concern, I am writing to formally dispute the late payment entries reported on my credit report attributed to your company. It has come to my attention that these entries may be erroneous and could be a result of identity theft, of which I am a victim.

Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate or incomplete information on my credit report. Additionally, the FCRA mandates that creditors must provide accurate information and investigate disputes upon request. According to 15 U.S. Code 1681s-2, it is illegal for creditors to report inaccurate information. Therefore, I request that you cease reporting these late payments until this matter is resolved. 
To validate the accuracy of your claims, I kindly request that you provide the following : The original signed contract that includes my signature. 
A photocopy of my government-issued driver 's license or other identification that verifies my identity. 
Without these documents, your reporting lacks substantiation, as I am unable to affirm that the account in question belongs to me. In addition, I want to bring your attention to the identity theft I have experienced. Attached to this letter is a copy of the Identity Theft Report filed with the Federal Trade Commission ( FTC ), which outlines my situation. 
To prevent further fraudulent activity, I have taken proactive measures by freezing my credit reports with all primary and secondary credit reporting agencies. This action reflects my commitment to safeguarding my identity and ensuring that no further fraudulent accounts are opened in my name. 
I expect your prompt attention to this matter. Should you be unable to validate the claims against me with the requested documentation, I urge you to update your records to reflect the accounts as " paid '' or remove the derogatory information from my credit report entirely. 
Please respond to this request within 30 days of receiving this letter to avoid further escalation of this matter. Thank you for your cooperation in rectifying this issue promptly. 
Sincerely, XXXX XXXX XXXX
Product: Credit card or prepaid card

1 ) Withholding available credit for purchase. I made a payment of {$1500.00} to my citi double cash card on XX/XX/2019. It was posted on my bank account on XX/XX/2019. However, Citibank chose to withhold {$1500.00} from available credit as if XXXX XXXX is a fraud. When I contacted the credit card via chat, I was told the Hold will be removed on XX/XX/XXXX. It is the end of XX/XX/XXXX, the " Hold '' is still there. The total credit limit is {$8000.00}, I have XXXX balance on the credit card with less than {$1800.00} pending purchase, I only have {$460.00} available credit for purchase. there are must be something wrong here. Citi bank only told me it is policy. 
2 ) lack of tools for effective communication. Other banks such as XXXX XXXX, XXXX  XXXX XXXX offering secure message center. I can just send questions about my credit cards and bank accounts, they respond within 24 hours. It is very convenient and effective. At Citi, there is no way for me to send message. I can only view documents at message center. I don't understand why. I used Chat twice, it is not effective. I have to wait 12 minutes to have a customer rep to chat with me. That person did not know much to help.
Product: Credit reporting, credit repair services, or other personal consumer reports

Wells Fargo reported my home loan in forbearance under the CARES act to credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I filed chapter XXXX bankruptcy. Included in the bankruptcy was a company called AD ASTRA RECOVERY SERVICES who was servicing as a collection agency for XXXX XXXX. I have call the collection agency to ask them to update the status of the account and it seemed that they removed it. They were sent notice but as they thought my chapter XXXX was discharged they reported the account to my credit report as unpaid. I do know that doing that is against the law. I can not get resolution from this company and their practices are illegal they are affecting my current job with this information as I informed my employer they were included in my bankruptcy. Here is a example of how they are reporting to my XXXX 

Date reported : XX/XX/XXXX Original Creditor Name AD ASTRA RECOVERY SERVICES Date Assigned XX/XX/XXXX Original Amount Owed {$610.00} Amount {$610.00} Status Date XX/XX/XXXX Status UNPAID Balance Date XX/XX/XXXX Account Designator Code INDIVIDUAL_ACCOUNT Account Number xxxxx XXXX Creditor Classification Financial Last Payment Date Date of First Delinquency XX/XX/XXXX here is the proof of my chapter XXXX that was filed : Bankruptcies Bankruptcies are a legal status granted by a federal court that indicates you are unable to pay off outstanding debt. Bankruptcies stay on your credit report for up to 10 years, depending on the chapter of bankruptcy you file for. They generally have a negative impact on your credit score. 

Reference Number : XXXX Status Bankruptcy proceeding is initiated by the debtor 's own petition to be declared bankrupt and have benefit of the law. 

Date Filed XX/XX/XXXX Verified Date Liability Exempt Amount Type Individual Filer Subject Court XXXX XXXX XXXX XXXX Asset Amount I really need this company to follow the law and correctly remove this status from all of my credit reporting agencies. It is affecting my career.
Product: Credit reporting or other personal consumer reports

I reviewed my consumer report and noticed that I had 1 late payment on an account that I was never late for or knew about. The consumer reporting agencies have assumed a vital role and have responsibility to report consumer information to the best of their ability with maximum accuracy I have never been late on payments for the account that I have included screenshot inside this complaint in on dates of XXXX Please investigate and provide proof with statements showing that these payments were late if proof cant be provided I DEMAND these payments be updated to Paid as agreed on time or deleted as they should be due to the fact I never was late or knew about this loan. The information inaccurate and reducing my ability to buy a home, car & ETC, I need to provide good and stability for my family and this is stopping me. I would want this account DELETED or Updated To CURRENT/Paid as agreed on time Please see screenshot attached Send updated report to XXXX XXXX XXXX XXXX Tx XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

After taking a look at my consumer report, I observed that I have 2 late payments on an account that I was never late for. Consumer reporting agencies have a vital role in responsibility for reporting consumer information to the best of their ability with maximum accuracy. I have never been late on a payment for this account XXXX XXXX. Please investigate and provide proof with statements proving when this delinquency commerce or any other documents proving that these payments were late. If proof can not be provided ; I demand these payments be updated to ON TIME as they should be as I was never late.

According to the FCRA 15 U.S. code 1681 e consumer law, the maximum accuracy and methods of verification should be provided to me as it is my consumer right.
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. 

Account name : XXXX XXXXXXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX  Account number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belongs to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which iare found to be opened due to identity theft. The dispute items do not belongs to me. Im attaching the required FTC Report for you and the bank 's records. The following items needs to be remove : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Unpaid Balance {$830.00} ; XXXX XXXX XXXX Unpaid Balance {$0.00} ; XXXX XXXX XX/XX/XXXX. 

If you feel there is a possibility these items belongs to me I will require all documentation that bears my signature ( another research items I found that requires you to verify with 100 % accuracy that each accounts are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the items are verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. So please comply with the law so this matter can be handled swiftly.
Product: Checking or savings account

on XXXX different ocassions, i was denied access to money deposited in checking account at jp morgan chase bank-XXXX XXXX XXXX ( the bank ), after the deposits had cleared and been made good funds. 
XXXX deposit was a cashier check drawn on another bank, XXXX. the other deposit was drawn on a local bank. in both cases, the checks cleared promptly. the bank would not release the hold it had invoked, and thereby denied me use of my money for a week. i registered a complaint and the bank rep that called told me, repeatedly, that the customer agreement that i signed allowed the bank to put a hold for up to XXXX days, and that i had no standing to complain. the bank has an unfair, anti-customer policy that denies the customer access to their money once checks have cleared. the bank is abusing the provisions in the customer agreement simply because it can, and surely reaps financial gain at the expense of its customers. this action caused me a loss of interest and other harm. i ask the cfpb to cause jp morgan chase bank to cease acting in this anti-consumer manner and allow banking customers to get timely access to their money.
Product: Vehicle loan or lease

This is XXXX XXXX XXXX, I filed for Bankruptcy on XX/XX/2023. Im receiving harassment letters from Exeter Finance LLC. Im requesting this company to cease & stop contacting me about a debt I dont owe. Im in pre litigation with XXXX. In the court case or arbitration meeting all matters will be resolved and addressed by my attorney. An automatic stay has been ordered by the petition filing of my bankruptcy. If Exeter Finance LLC continues to contact me I will file harassment charges and a lawsuit against this company. Im not 100 % sure of the contract I signed with Exeter Finance LLC because my signature has been forged on the retail purchase agreement. I have talked with new legal counsel and I will be adding new legal counsel to start the lawsuit and arbitration process against XXXX and Exeter Finance LLC for breach of contract.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion is reporting the following items inaccurately. Can someone please look into this. Thank You ACCOUNT XXXX  XXXX XXXX never late XXXX XXXX XXXX never late XXXX  XXXX XXXX never late XXXX XXXX not mine XXXX XXXX XXXX XXXX not mine XXXX XXXX XXXX XXXX not mine XXXX  XXXX not mine XXXX XXXX XXXX XXXX not mine XXXX XXXX XXXX not mine
Product: Credit reporting or other personal consumer reports

I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( XXXX ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within XXXX business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 


Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action. 


Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA XXXX XXXX ( False and Misleading Representations ) and These accounts are falsely reported as charge-offs. 
Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately.

Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( XXXX ) ( A ) ( B ) ( i ) ( XXXX ). They must be deleted from my report.
Product: Credit card

On XX/XX/23 I called Bank of America ( BOA ) requesting the benefits that came with the card. I am particularly interested in XXXX car rental benefit since I will be renting cars overseas. The benefit phone number ( XXXX ) is not listed on the back of the card which is a XXXX  hurdle and obtaining it requires a long line wait and prompts to get to the CSR to obtain it. XXXX  is the misinformation that is given to customers by BOA that this is handled by the department within the BOA. It is not as it is handled by a third party vendor to the BOA. I XXXX  attempted to receive info about the entity handling this benefit I was told that it is a generic " claims center '' and then I was hang up on. 
So the question is : please list the entity to which this function was subcontracted to. Full corporate entity name and corporate address. 

XXXX, the overseas rental car companies require a letter from a card issuer ( letter of benefit ) and not from a third party or a processor, stating that the customers such as myself has a coverage for the XXXX otherwise they will require a customer to purchase XXXX. The BOA refused to provide this letter stating that it is the other department 's responsibility to do so ( once again fraudulently alleging that the benefits management function is done inhouse ). In other words the BOA is effectively refusing to provide a benefit it advertised that it does which is part of its marketing. 

,
Product: Credit reporting or other personal consumer reports

I disputed XXXX XXXX XXXX twice already. I demanded a collection removal because the account on my report says it was opened on XXXX XXXX 2024. I explained that I was NOT living in the United States XXXX XXXX 2024. So therefore, I did NOT open an account on XX/XX/year>2024. Instead of the credit bureaus deleting the account, they simply closed it. I showed multiple proof of my residence in XXXX, therefore they are choosing to ignore the facts, and chose not to delete the false information. I have attached my leasing document from XXXX. Ive even gone as far as taking a picture of my visa stamps in my passport to show that was not in the United States when these accounts was opened.
Product: Student loan

On XX/XX/2019, I filed another complaint with the CFPB- to no avail. They asked me to file a new Income Driven Plan request for my loan because the " Poverty guidelines have changed- BEFORE my actual yearly renewal. It had been a huge mess. 
I have been given misinformation since XX/XX/XXXX. I wanted to pay down my loan and asked for the graduated repayment plan- consulted an attorney who told me to go back into the IDR. I reapplied for that. At first, when they kicked me back into the IDR on XX/XX/XXXX, my payment was XXXX. On a side note this was the plan they gave me when I spoke on the phone about the graduated repayment plan. Then, they asked me to reapply before my annual date. I resisted because they had just sent me the statement to my prior plan. When I did receive the email regarding my new plan, my payment was increased to XXXX. I called and spoke with XXXX XXXX on XXXX XXXX, because i can not afford to pay that amount every month. She asked if XXXX, or close to that was possibly, and I said I could probably do a little more, but not much. She also told me to reapply under REPAYE which would be the lowest monthly payment, so I sent that and I received an email saying it was received on XX/XX/XXXX and that it will take up to 15 business days to process. That last time I tried to lower my payment under the IDR, which ended up being the XXXX, they received my app on XX/XX/XXXX and I had a new payment on XX/XX/XXXX. That took 5 business days. Now, I am still waiting on a response from the last app for the REPAYE. It has been 10 days. Mind you, I have been paying my loan, and having some hardships doing so because the payment is what it is. It has not taken this long to receive a plan. I have done this a lot in the last few months. This company is ridiculous.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of fraudulent accounts and unauthorized inquiries listed below from my credit report. As a victim of a data breach, my personal information has been used without my authorization to open or access these accounts.

Under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have these items removed from my credit file. 
XXXX Accounts to Block and Delete XXXX. XXXX - Account XXXX : XXXX - XXXX : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX - Amount : {$0.00} XXXX. XXXX  - Account XXXX : XXXX - XXXX : XX/XX/XXXX, XX/XX/XXXX- Amounts : {$670.00}, {$520.00} XXXX. XXXX XXXX - Account XXXX : XXXX - XXXX : XX/XX/XXXX, XX/XX/XXXX- Amounts : {$520.00}, {$670.00} XXXX. XXXX XXXX XXXX - Account Number : XXXX - Date : XX/XX/XXXX - Amount : {$700.00} Fraudulent Inquiries to Remove XXXX. XXXX XXXX - XXXX : XX/XX/XXXX, XX/XX/XXXX XXXX. XXXX - XXXX : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX. XXXX - Dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXXXXXX XXXX XXXX - Date : XX/XX/XXXX XXXX. XXXX - Date : XX/XX/XXXX XXXX. XXXX XXXX  XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX - Date : XX/XX/XXXX XXXX. XXXX  - Date : XX/XX/XXXX XXXX. XXXX XXXX - Date : XX/XX/XXXX XXXX. XXXX - Date : XX/XX/XXXX XXXX. XXXX - Date : XX/XX/XXXX
Product: Debt collection

disclaimer : i already filed a complaint with the XXXX in XXXX. i got a call from a company that said it was debt collection company, ERC located out of XXXX, fl, according to the letter they sent afterwards, and they said i owed at & t {$45.00}. i believe it's a scam for 3 reasons : 1 ) when they called me ( and they only called once ) and i answered, it took between 5-10 seconds for them to answer back. red flag right there. 2 ) they got my name wrong. and 3 ) i stopped using at & t in 2015 and now they've decided i have an unpaid debt? - please look into this matter asap. they said they'll report me to the credit score companies if unpaid after 30 days. thank you. ps - i don't have anything to upload because all this is news to me. i really don't know what this company is talking about.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I mailed a letter asking for an investigation to verify questionable accounts on my credit report. I has been almost 5 months and I still haven't received a response and these unverified accounts are still listed on my credit file.
Product: Mortgage

I have been working with my lender continuously trying to get a resolution we continue to get the run around. I have sent several authorizations to the same fax number that they provided and clearly received because they were able to locate the documents before. 


Now they keep advising that they don't have it when I am receiving confirmation faxes that they have it. 


My counselor XXXX who was been helping for over 6 months trying to help me save my home from Amerihome has been advised several times now that they don't have documents or documents expire and its just a mess. 

I am a veteran trying to save my home and just need help with these people! They have terrible customer service and don't care about what happens to customers. They continue to misplace my documents and let them expire.
Product: Credit reporting or other personal consumer reports

I am writing to formally complaint about IQ DATA INTERNATIONAL 's handling of fraudulent information on my credit report, which I believe is in violation of the Fair Credit Reporting Act ( FCRA ). I found a collection account on my IQ DATA INTERNATIONAL credit report that I did not open or authorize. The details of the fraudulent account are as follows : IQ DATA INTERNATIONAL ( ORIGINAL CREDITOR : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$5600.00}. This account is a result of identity theft, as I have no association with it. Despite filing a dispute with IQ DATA INTERNATIONAXXXX, this fraudulent entry remains unresolved. Under the FCRA, specifically 15 U.S.C. 1681i, IQ DATA INTERNATIONAL is required to investigate disputes promptly and ensure the accuracy of information reported, which they have failed to do in this instance. 
Furthermore, 15 U.S.C. 1681c-2 mandates that a consumer reporting agency must take steps to prevent the inclusion of fraudulent information in a credit report. I have also provided a copy of my FTC Identity Theft Report with the report number XXXX and other relevant documentation to IQ DATA INTERNATIONAL.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I reached out to XXXX, XXXX, and Experian and talked to XXXX at XXXX, XXXX at XXXX, and XXXX at Experian. They all told me to submit this report with a copy of my ID, Social, and Bank Statement proving my identity and my current address. The accounts that they are reporting are showing inaccuracies and inconsistencies and they are obviously reporting this illegally. Please help me delete these from my Credit Report.