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

I recently reviewed my credit report and noticed an account XXXX XXXX # XXXX is not reporting accurately. The account shows XXXX late payment and in fact paid on time.The consumer reporting agencies need to report all information with complete accuracy. this account has not been late on payments, the account was not Late on XXXX or XX/XX/scrub>XXXX  2023. I'm now requesting you investigate this account and update these payments to paid on time immediately .Thank you for your understanding and prompt action.
Product: Credit reporting or other personal consumer reports

I am not liable for this debt Rentrecoverysolutions. I do not have a contract with Rent Recovery Solutions, LLC. They did not provide with the original contract as requested.
Product: Credit card or prepaid card

Regarding : Application ID XXXX I am requesting that Capital One remove the hard inquiry from my credit file with all three credit bureaus. 

I applied for a Capital One Business Credit Card and I was approved for a {$1000.00} business credit limit. 

However, after faxing copies of both of my drivers licenses ( one with my maiden name and one with my married name ) and a copy of my social security card 5 times and mailing my documents once. Capital One never opened my account. 

First issue Capital One sent an email that included a button that is supposed to be a link that should open a web page so that I can upload my documents. The button has never worked since the first day Capital One sent the email. I called to inform them and was directed to fax my documents. 

Second issue As I faxed my documents, Capital One has XXXX communication with rather they've received my documents or not. I was only updated by initiating a call and waiting in the customer service que to confirm that my documents were received. 

Third issue I also mailed the documents in after 5 fax attempts. All were successfully delivered from my end. 

I made every attempt with Capital One verification department to provide the a copy of my drivers license and social security card. 

Now I have a damaging hard inquiry on my credit file with no open credit card account, although I was approved.
Product: Credit reporting, credit repair services, or other personal consumer reports

On the week of XX/XX/XXXX, I received an alert from my Experian credit monitoring service indicating that my XXXX credit card payment for XXXX was not made and as a consequence I had a 30 day late notice added to my credit report. When I went back and checked my payments, I noticed that for the month of XXXX I had made a {$100.00} payment. I immediately called XXXX and they told me that my payment was short for {$5.00} and that they couldn't do anything about it. They were not willing to help me in any way. I asked them to please review my previous history so they can see that I have never been 30 days past due since I open their account. I explained to them that I recently went back to work full time and that I have been sending my payments beyond the that due date, but we a lot sacrifices I have avoided to be 30 days late. I also mentioned that my job stability could be affected for those {$5.00} and that what they are reporting to the credit bureaus is innacurate. They are reporting that I missed my payment which is not the case. 

What they are doing will affect my current employment and future opportunities as well. I do not think this is fair especially for a customer who in spite of her circumstances has been making payments. This {$5.00} difference has caused a level of damage that is not equivalent to the shortage in the payment which was originated by an oversight. 

My credit is the only thing that will keep me working. Please help me to communicate with XXXX so they can remove this 30 days notice from my credit report.
Product: Checking or savings account

On or about XX/XX/XXXX I wrote a check for {$1500.00} to the XXXX XXXX Georgia property tax unit, and put it in the mail. 

On or about XX/XX/XXXX I received a notice from XXXX XXXX that my property taxes were in arrears. I looked in my checking account and saw that this check had been stolen, washed and deposited, via mobile deposit, at PNC bank for the benefit of XXXX XXXX. All customer fields had been overwritten. My signature had been forged, and the amount was overwritten to the original amount : {$1500.00}. PNC accepted the deposit, and my account was charged. 

I contacted my bank immediately ; they have been trying to get reimbursement from PNC. Today, at the suggestion of my bank, I filed a complaint with PNC case # XXXX.
Product: Payday loan, title loan, or personal loan

Navient loans has been charging extra interest rates without my noticed of loan forgiveness only did loan forgiveness twice without any documents emailed to them they automatically increased my rate as loan forgiveness
Product: Debt collection

In XXXX I received a letter from a debt collector indicating I owed money. After requesting information about the specific loan and creditor, I learned the loan was from XXXX XXXX XXXX, XXXX from 2021 in the amount of {$300.00} with interest accrued in the amount of {$310.00}. The paperwork listed my name under borrower signature ( though it is simply typed and not an actual signature ). The phone number associated with the account is not mine ( as I have had the same number for nearly 27 years ) and once I attempted to call it, learned it was out of service. There are no documents included showing my actual signature or any form of identification showing I was indeed the actual borrower ( no proof of DOB, Drivers License Number, address, or any other specific identifying information ) My credit report does not include an inquiry from this company nor does it show any outstanding balance. I've already contacted the debt collection agency disputing the debt and have a filed a complain with XXXX  as XXXXXXXX XXXX XXXXXXXX failed to show any due diligence in confirming the borrower was who they said they were. Furthermore, I never received any communication from XXXXXXXX XXXX XXXXXXXX in the course of the 15 months the loan was supposedly open and in default status. If I had to guess it would be because the contact information they were given at the time the loan was opened was fraudulent. It wasn't until it was sent to a debt collection agency that I learned of the loan. XXXX XXXX XXXX will need to seek out the actual borrower and cease communication with me including through debt collectors. I'm not paying a debt I didn't incur and want to know what documents XXXXXXXX XXXX XXXXXXXX actually requested prior to lending {$300.00} to someone who claimed to be me.
Product: Credit reporting or other personal consumer reports

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications XXXX be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Product: Credit card

I received an email last night stating that my credit score has changed. When I checked what happened, it showed Capital One had put a hard inquiry on my credit. I didn't apply for a credit card from them, nor do I have an account with them. I called Capital One and asked what was going on. They said they couldn't find any account under my name and thst their applications department was closed for the weekend. After that, I called all 3 credit bureaus to notify them. I'm not sure if I should freeze my credit or lock it. XXXX said to file an FDC report, but when I did I was redirected to CFPB. They also said to send in my own written letter stating that I want the Inquiry removed. Capital One said to go into a branch to try and resolve but the nearest branch is XXXX miles away.
Product: Credit reporting, credit repair services, or other personal consumer reports

These are not my accounts, nor are the addresses on file.
Product: Credit reporting, credit repair services, or other personal consumer reports

Navient Account # XXXX Late payment month : XXXX XXXX  90 days late. 

This account is being reported incorrectly. How does it report 90 days late but not 30 or 60 days late. I have contacted the company to fix it but no response. There should be no late payments on this account. 

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

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 an account without my written instructions.

15USC 1666B A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

The XXXX XXXX initially stated this account was paid and also was closed. Information is true yet still hasn't been removed from my report. Section 611 ( a ) states that failure to investigate items by CRA within 30 days must be removed if presume to be inaccurate. This has been over 30 days and I will like this to be Deleted immediately.
Product: Vehicle loan or lease

I XXXX, the woman and in use of a consumer has been denied to use my credit in order to acquire goods for personal and household use. At this time, XXXX XXXX OF XXXX of XXXX XXXX XXXX XXXX XXXX XXXX finance XXXX has denied my right to transact using consumer credit.I have given permission to pull XXXX NUMBER verification from XXXX with form XXXX XXXX I was intentionally told this store sells cars when, in fact they buy securities. As an investor of my consumer paper, and write to transact using my consumers credit backed by the full faith of the United States, I have been compelled and deceived in order to become an accommodation party and making a gift to XXXX XXXX OF XXXX when that is and never my intention. The finance XXXX intentionally tells me they are not in fact XXXXXXXX XXXX  my paper. I initially spoke with XXXX the sales rep, who initially tried to compell me into a business transaction not XXXX for personal goods with my consumer. I have created a binding contract with this company and have not received goods rendered. Because I will not give up my rights to title interest, rights and proceeds to my consumer paper ( credit Application for sale to XXXX XXXX of XXXX ). Banks can not lend money, this store are only buyers of securities and gift takers. I have sent this company my intention by email to XXXX, however both professional parties are confused even after reviewing my intent.. I wish to recover the property now secured by my credit application.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted several complaints to the Credit bureau and they will not fix the errors and do not reply to my letters that I have sent, I have sent several. It is still reporting inaccurate information and I want this deleted immediately! 

as well as inaccuracies across each credit report. Different dates, different amounts etc. this is by law Illegal! 

There should only be 1 address, 1 name any additional information needs to be deleted
Product: Credit card or prepaid card

I received a letter from XXXX  XXXX credit Card about an account number being changed. It stated all payments must include a new number. They would withdraw payments from my account after XX/XX/2022 I have never had an account with XXXX XXXX credit card. When I called the number XXXX at first I only got a recording telling me if I got a letter regarding changes in the account that everything had been taking care of Them I called again I got a representative go tried to get tried to get more personal information from me. I refused and told them this was fraudulent activity and I was reporting this company and she hung up.
Product: Credit reporting or other personal consumer reports

I value you setting aside some margin to FIX a portion of the data in my credit document ; notwithstanding, there are still items to be fixed. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card

I signed up for a Chase Student Credit Card when I was a College Student in XX/XX/XXXX. I used the card until it expired, then called Chase and told them that I did not want to keep the card anymore, and requested that they close my Account. Because this all occurred several years ago ( approx. XX/XX/XXXX ), I do n't have exact dates. 

A few weeks ago, Out of the blue, Chase sent me a new Chase Freedom Credit Card in the mail, using the details from the account I had asked to have closed several years prior. I called again and told them that I had not requested this card, and wished to have the account closed. I was assured that it would be closed. 

Since then, Chase has sent several emails to my personal email account with details about the account that I had requested to be closed and shut down. 

I highly prize my privacy and financial security. I am very concerned that Chase has disregarded my multiple requests to close this account. 

I am requesting that Chase close this account, and that they immediately stop contacting via email with details about this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have mailed package XX/XX/2022 to Equifax with astronomical amounts of incorrect/ inaccurate and incomplete information my credit report. I asked Equifax to correct all the information or delete the accounts. Due to these inaccuracies and incomplete information on my report it leads me to believe that my previous disputes were not address or investigated nor were they validated or verified as it pertains to most of the same accounts disputed. How can Equifax have verified/ validated these accounts when they have inaccurate and incomplete information? This is very concerning to me as I as the consumer are not being taken serious and do so believe that no real investigation has ever been done by Equifax due to the inaccurate information and incomplete information which I determined from Equifax own report that I received. I need these matters to take immediate attention and for these matters to be resolved without delay. I would love to get an answer as to how they investigated/validated/verified these disputes and my previous disputes and what companies they used to do so. I would also like to know how they came to their conclusions when they are reporting inaccurate and incomplete information then wouldn't that mean that their results would be inaccurate and incomplete and therefore in direct violation of the FCRA.
Product: Student loan

I have been working with XXXX XXXX XXXX 's collection agency Transworld Systems Inc, and through my bankruptcy XXXX and Transworld agreed to a new agreement of terms through which to repay the student loan. My lawyer XXXX XXXX, and XXXX and Transworld lawyer XXXX XXXX XXXX, agreed to the new conditions. to pay XXXX dollars, with a 0 % interest rate. It was submitted to the court. However, after I had agreed to the terms of the repayment and everything was finalized it was never turned over to the XXXX who handles the loan. I just filed a complaint and XXXX has no clue about what is going on. XXXX needs to honor the agreement that they made with the new loan agreements with Transworld Systems. We worked out this agreement since XXXX of this year. This led to me doing forberances on the loan currently and now it has been gaining balances because the interest keeps compounding and it has n't been changed over to the new agreement. XXXX understandably has no clue about what is happening. I have contacted them and they say that I am still in bankruptcy status but that is incorrect. XXXX has never answered the complaint or contacted me. XXXX has disappeared and seems to not be honoring the agreement. I can not afford to pay this loan. The interest is too high, I filed a bankruptcy and they were summoned to court and they are the only lender that has not changed the terms and conditions of my loan agreements. My income can not support these payments. I have filed multiple complaints and I need XXXX and Transworld to respond NOT XXXX. They have no clue what is going on because they are not aware of the negotiations between my lawyer and theirs.
Product: Mortgage

On XXXX XXXX, 2018, I did an online payment for my mortgage in the amount of {$840.00}. OnXX/XX/XXXX  Chase withdrew 2 payments of {$840.00}, which over drew my checking acct. As soon as I noticed ( XX/XX/XXXX ) I immediately called my bank and they told me that Chase submitted the payment twice. I then called Chase and they did show it paid 2X, but would have to further investigate to reverse the 2nd charge. She told me that my funds would be returned in 1-2 days, but to check my acct the next day ( XXXX XXXX ) and give them a call to see what was going on. Of course my acct was not credited on the XXXX. I called again and was referred to the " escalations dept '' and was then told that the girl submitted the paperwork regarding my second mtg, not the first. So they filed another claim regarding the 1st mtg this time. ( At this point I would like to mention that when speaking to any of these agents, I NEVER gave them my 2nd mortgage acct number to resolve this issue ) The guy said that part of the reason they couldn't take care of this any faster was because they just received a payoff check for the accts and that is what was causing the issues. ( I was in the middle of a refinance and they paid the accts in full. ) Again I was told it was going to take 1-2 business days for someone to get back to me. Remember, they over drew my acct and I had no $ while all this was going on. They told me on the XXXX that the 1st mtg was paid in full ( they actually received funds on the XXXX, but held onto the $ till the XXXX so they could earn more interest and charge me more interest ). Remember they told me on the XXXX they received payoff for the accts causing the trouble. After 8 days they " expedited '' my over payment and my escrow acct by check by XXXX XXXX. If the funds were received electronically, shouldn't they reverse them electronically? Well no, if you want to earn even more interest on the money they owe you while you wait for the check to be mailed to you, then wait for you to get home from work, then finally make it to the bank to deposit the funds. I definitely now know why they are called Chase, because when they STEAL your , you have to CHASE them down to get it back. Total XXXX!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Experian, XXXX XXXX XXXX adjusters refuses to verify nor validate their alleged account They do not have any contracts from original creditor with my signature and no contract with them with my signature they have NOTHING this last letter they sent through the CFPB dated XX/XX/2022 XXXX shows they want me to lie and say it was fraud I will not comply with their wishes { temporary fraud status } places NO .I have request through the CFPB 3 times on this alleged account and can not get any valid information enclosed is their letters, copy of bills no contracts no signatures. the way I see it they have no proof of anything. I have the right to request to them in writing what I want under the U.S.C. codes listed in my letter and complaints THEY REFUSE
Product: Debt collection

This company has been giving me a hard time to remove incorrect information on my credit report so I opened a investigation just to fine out that the company has incorrect information on my XXXX credit report I also contacted the other company to discuss this matter I have been told that names and addresses are showing up on my records and reports why maybe they are mixing files that are not correct please contact them also if you can please send me email confirmation thank you I understand that it is a lawsuit against them please feel free to contact me thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX and I am submitting this CFPB Complaint to dispute several fraudulent items on my credit file. As a responsible and conscientious credit payer, it is extremely distressing to see my credit score damaged by fraudulent activities that I did not participate in. I am requesting the immediate removal of these fraudulent items from my credit file, in accordance with the Fair Credit Reporting Act ( FCRA ) section 605b. It is my right as a consumer to have an accurate and fair credit report, and these fraudulent items are not only damaging to my credit score, but they are also completely untrue. I have already taken the necessary steps to rectify this situation, including filing an FTC report and notifying the relevant financial institutions. However, these fraudulent items still appear on my credit report, which is unacceptable : XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I must remind you that failure to remove these fraudulent items from my credit file will be considered a violation of the FCRA, and I will not hesitate to pursue legal action if necessary. I expect a prompt response from your office regarding this matter.