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

To Whom It May Concern : 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. 

XXXX there is some inaccurate information reporting XXXX XXXX Account XXXX : XXXX Delete this account. 


XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 


XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX  Date of inquiry : XX/XX/2023 Please remove it from my credit report. 


XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 


5. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 


6. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 


7. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report.
Product: Credit card

My credit card was closed in XXXX and I did not receive any information about it being closed.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XX/XX/XXXX To Management Named As : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX This letter is to notify the management named XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX that your company placed an unauthorized inquiry on my credit report on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 
I demand under FCRA : Section 604 : 1. Permissible Purpose 2. My written authorizeon 3. Proof that I personally initiated this inquiry Either provide me with strict proof or DELETE the item immediately. If you do not delete the inquiry in 15 days, I will take legal action.

Under 15 USC Section 623, you have 30 days to do a reasonable inquiry into this matter.

If you ignore this letter and do not delete the inquiry or don't provide STRICT proof of authorization, I will have no other choice but to have my local Congressman promptly forward a formal complaint to the Federal Trade Commission and Attorney General for further scrutiny of this matter. 
Your cooperation in advance is appreciated. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Been attempting to solve the issue with the Bureaus and have yet to get a positive response of the matter and Now I am prompted to File an FTC report on the matter. The following accounts are fraud and should be removed from my credit report : XXXX XXXXXXXX : XX/XX/XXXX : Inquiry : FRAUD XXXX  : XX/XX/XXXX : Inquiry : Fraud XXXX : XX/XX/XXXX : Inquiry : FRAUD XXXX : XX/XX/XXXX : Inquiry : FRAUD XXXX : XX/XX/XXXX : Inquiry : FRAUD XXXX XXXX : XX/XX/XXXX : Inquiry : FRAUD XXXX XXXX : XX/XX/XXXX : Inquiry : FRAUD XXXX : XX/XX/XXXX : Inquiry : FRAUD XXXX : XX/XX/XXXX : Inquiry : Fraud XXXX XXXXXXXX : XXXX : Collection : Fraud XXXX XXXX : Inquiry : Fraud XXXX : XX/XX/XXXX : Inquiry : Fraud XXXX XXXX : Inquiry : Fraud XXXX XXXX XXXXXXXX : XX/XX/XXXX : Inquiry : Fraud XXXX XXXXXXXX XXXX : XX/XX/XXXX : Inquiry : Fraud XXXX XXXX XXXX : XX/XX/XXXX : Inquiry : Fraud XXXX XXXX XXXX : XX/XX/XXXX : Inquiry : Fraud XXXX XXXX XX/XX/XXXX : Inquiry : Fraud US SM BUS ADMIN ODA : XX/XX/XXXX : Inquiry : Fraud XXXX XXXX : XX/XX/XXXX : Inquiry : Fraud
Product: Money transfer, virtual currency, or money service

On XX/XX/2021, Somebody made five online transactions for a total of {$50.00} on my account. The next day, Chase Bank send me email asking to contact them due to some unusual transactions. 
In the meeting I try to close the account, but the agent suggests to open a new account, to transfer my balance and change my user ID and password for more security. 
XX/XX/XXXX, probably this person try to transfer {$1200.00}, Chase has cancelled it, because it seemed fraudulent. 
XX/XX/XXXX, an online transfer of {$12.00} XXXX was made from the new account to the same person who already try to made a transfer of {$1200.00} Next day I went to the Bank to have my money back and the Agent closes the new account again and suggests, one more time to open a new account to reverse the amount. After that I close the account definitely and went to get services from an other financial institution. 
On XX/XX/XXXX Chase asks me to pay a balance due of {$12.00} XXXX. I sent a letter with some emails from Chase as a proof that they can find out where the money was deposited if they made a serious and honest investigation. 
On XX/XX/XXXX Chase send me the same letter, I send the same answer I am not the person who do this transaction. I never did online mobile transaction on my account. That why I attached 3 pages of my bank statement.

HOWEVER MY ATTACHMENT IS MORE THAN 10 MB 10937 KB IL TRY TO SEND IT BY MAIL, IF POSSIBLE.
Product: Mortgage

Nationstar Mortgage LLC. ( XXXX XXXX XXXX XXXX, XXXX, TX XXXX ) received the mortgage payment in full on XXXX XXXX. XXXX. As of XXXX XXXX, XXXX, the Reconveyance Department of Nationstar Mortgage have not released the lien nor provide an clear, rational explanation for the lengthy delay.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed this information and they have yet to remove any of the information or any accounts associated with these alleged names and addresses.
Product: Student loan

I was shocked when I reviewed my credit report and found several late payments on my student loans with the dates below : Account Number : XXXX 30 days past due as of XX/XX/XXXX, XX/XX/XXXX Account Number : XXXX 30 days past due as of XX/XX/XXXX, XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that this was supposed to be in deferment and it did not get processed correctly or the payments I sent in were not registered.
Product: Debt collection

On XX/XX/2019 Westlake portfolio contacted me stating about an account I'm unaware of. I emailed the company my dispute letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX  Account # XXXX XX/XX/XXXX {$52000.00}, XXXX XX/XX/XXXX {$11000.00}, XXXX XX/XX/XXXX $ XXXX XX/XX/XXXX {$250000.00}, XXXX XX/XX/XXXX {$1000.00}, XXXX XX/XX/XXXX {$7500.00}, XXXX XX/XX/XXXX {$500.00}, XXXX XXXX XXXX XXXX XX/XX/XXXX {$500.00}, XXXX XX/XX/XXXX {$500.00}, 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 a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under XXXX.1 open end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX  is reporting me a balance of {$2000.00} and has lowered my TransUnion score XXXX, leaving me with XXXX score. I have called the bank and they said they are not reporting that. The thing is my card currently on a balance of {$200.00}.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit card or prepaid card

I am having a problem with my  Chase  Credit Card. Back in   XXXX   XXXX   I started getting charges on my  Chase Freedom Visa  credit card. The amount was for {$9.00} from "  XXXX   XXXX   XXXX  ''. I have been getting these charges all the way through   XXXX   XXXX   despite contacting  Chase   three  times. This company is  one  that I made a legitimate software purchase on   XXXX   XXXX   XXXX  . Apparently they decided to use my credit card info they had on file to fraudulently charge me {$9.00} per month forever. I never authorized this. I have spoken with  Chase  Credit Card services  three  times. The first time they said I would be reimbursed for all charges from My Choice Software and I was asked if I wanted to block all future charges and I said yes. I never received credit and called a second time, I was reassured my credit was coming. I got the credit but the first 3 months were not credited (  XXXX ,  XXXX ,  XXXX   ).  I got credit for  (   XXXX ,  XXXX ,  XXXX ,  XXXX  ) on the  XXXX  statement. When I called to ask about the first  three  months, I was told they were from too long ago. https : //www.chase.com/digital/fraud-security? wcmmode=disabled is Chase 's statement on  fraud  protection. There is no time limit listed on this page and I was first told I would receive credit for all charges. What 's even worse is they are still accepting charges from  XXXX   XXXX   XXXX . I have received new {$9.00} charges in  XXXX ,  XXXX ,  XXXX . I do n't know what to do to stop this.
Product: Debt collection

When I terminated my service with XXXX XXXX  years ago I was very specific as to the " payed in full amount ''. Dealing with this company is a nightmare but they were the only ones with a XXXX XXXX I wanted. 
I was given the amount from their customer service department and I returned everything as requested following the steps perfectly. Months later I received a collections notice, naturally demanding payment for a debt not owed.The amount is {$270.00} from Credco ( XXXX XXXX ). I contacted them several times which is a time consuming nightmare and was told it was a mistake on their end but the notices kept coming and my frustrations grew. The fifth time I contacted them I didn't go through to customer service, strait to the collections department where I was told they didn't care or wanted to hear anything from me and to pay up or it would remain on my credit report until I did. This is illegal, unethical, and extortion. They wouldn't ever tell me what was owed, just pay the amount. 
If you send anything back to XXXX XXXX  now XXXX reads you a disclaimer and provides you a secondary tracking number because they've pull this XXXX with SO many people. 
Please get this removed, I'd pay it if it was owed but I won't be bullied into paying it!
Product: Checking or savings account

JP Morgan Chase Bank is a great example of banks taking advantage and gouging customers. My account was overdrafted even though i have made several calls demanding my account to deny any ach or charge to the account with insufficient funds. Even after this chase bank allowed a transaction to overdraft the account. They paid a principal amount of XXXX Us Dollars. They charged me a total of XXXX. They have collection department calling at early morning when I'm sleeping. Over 8 calls in 20 mins is completely unacceptable and unethical. Dealing with a personal injury case, im trying to recover and chase has no care or dignity on how they deal with loyal long term customers. I have offered to pay the principal amount on the account and I am harrased by their collection department. Law suit soon to follow against JP Morgan Chase Bank regarding harrassment by their collection department.
Product: Checking or savings account

I was offered a promotional credit of {$250.00} by M & T Bank for opening a new checking account in  XXXX ,    2017.  I believe I received this offer by direct mail, but I have since destroyed the solicitation assuming the credit would be granted in good faith.   After several conversations with M & T Bank I am confident they are aware of the promotion and it was not a third party scam.     I opened this account and met all criteria ( that I am aware of ) to receive the promotional credit. Conditions involved qualifying direct deposits within a certain period, etc.   I am also aware that the account will need to be open at least 180 days from setup date in order to avoid penalty if the promotional credit is given.     The account was opened  XXXX   XXXX ,   2017.
Qualifying direct deposits were made to meet offer criteria.
I phoned customer service after qualifyin  g direct deposit to inquire about timing of the promotional credit. I was told by an agent that the credit could take up to 90 da  ys ( 3 statement cycles ) to process.
After 90 days ( late  XX/XX/XXXX ) I once again called M & T to   inquire about the promotional credit. It was during this phone call I was told by the agent that because at time of account setup ( online ) I did not enter a corresponding promotional code that I would not be entitled to the promotional credit benefit.     I asked the phone agent to escalate this issue and he had stated that the issue could only be remedied at a bank branch.     I immediately traveled to a nearby branch where I was met by a service agent who confirmed my account, took my information and told me that she was unable to correct this issue, but could initiate a complaint.     I believe that M & T Bank could have easily ( at time of prior inquiry ) told me of the issue so I could take steps to remedy because I had specifically contacted them to inquire on status of the promotional credit.   Whether willingly or not, I believe M & T Bank is withholding these funds as promised in their promotional materials. At the very least, M & T has misrepresented this offer or have purposely made it difficult for consumers to receive this credit as advertised.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a follow-up request regarding my last complaint. I would like to inform you that the account has not been validated yet. So this time I am filing another complaint to this platform so that the 3 Credit bureaus will be notified and the issue will be addressed Here is the account mentioned above : XXXX XXXX XXXX BALANCE : {$230.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

While checking my Equifax report confirmation # XXXX I came across several inquiries that I did not authorized many were accounts that were previously reported as fraud. I have tried to solve this issue with Equifax to no avail. I have attached my identity theft report along with proof of my identity as required by the FCRA. These are the inquiries in question : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Again, this is for my Equifax credit report confirmation # XXXX. 
Thank you.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Experian National Consumer Assistance Center XXXX XXXX XXXX XXXX, TX XXXX Dear Sir or Madam, After obtaining my credit report, I noticed that it shows late payments on the accounts listed below. 

I am sure you are aware and understand that it is required by Federal law that XXXX XXXX XXXX must take proper care in ensuring the accuracy of this information with my accounts; adhering to this of the utmost. 

In this regard, I hereby request the following steps to remedy this situation to ensure compliance with all provisions of the Fair Credit Reporting Act, XXXX XXXX Compliance, and the Fair Credit Billing Act, please send me a notarized statement attesting that you have complied with the above-mentioned Laws regarding my Credit file for each of the following accounts : Bureau : XXXX Creditor XXXX XXXX XXXX Additional relevant fields are : Payment Rating reported as Late 120 Days Date of Last Activity reported as XX/XX/XXXX Date of Last Payment reported as XX/XX/XXXX Date of Account Information reported as XX/XX/XXXX Date Opened reported as XX/XX/XXXX Date Closed reported as XXXX Last Verified reported as XX/XX/XXXX Date of First Delinquency is Not Reported High Balance reported as XXXX Balance Owed reported as XXXX Bureau : Experian Creditor : XXXX XXXX Additional relevant fields are : Payment Rating reported as Late 150 Days Date of Last Activity reported as XX/XX/XXXX Date of Last Payment reported as XX/XX/XXXX Date of Account Information reported as XX/XX/XXXX Date Opened reported as XX/XX/XXXX Date Closed is Not Reported Last Verified is Not Reported Date of First Delinquency is Not Reported High Balance reported as XXXX Balance Owed reported as XXXX Bureau : XXXX Creditor : XXXX XXXX Additional relevant fields are : Payment Rating reported as Late 120 Days Date of Last Activity reported as XX/XX/XXXX Date of Last Payment reported as XX/XX/XXXX Date of Account Information reported as XX/XX/XXXX Date Opened reported as XX/XX/XXXX Date Closed is Not Reported Last Verified is Not Reported Date of First Delinquency is Not Reported High Balance reported as XXXX Balance Owed reported as XXXX XXXX seeking written evidence of timely billing and the posting of all payments I made on each account, regardless of whether you claim they were late from the time these accounts were opened to this present date. pursuant to XXXX XXXX XXXX XXXX - Disclosures to consumers If you are not able to provide me full disclosure that I am legally entitled to have in writing. Please notify me within 30 days that you have deleted all late entries from my credit report. 

XXXX thanking you in advance for attending to my requests promptly Regards, XXXX XXXX
Product: Debt collection

After careful examination of my financial records, I have discovered that a debt, which was previously reported by XXXX XXXX, has been settle for less than the full balance amount and balance is reporting XXXX. On My credit file Experian and XXXX reporting negative account on my credit file. In accordance with the provisions of House Joint Resolution 192 ( HJR 192 ) passed in June 1933, If this matter is not resolve, I will seek damages for the offset debt that should have been properly dispute. 
Despite the settlement, XXXX XXXX is reporting a charge-off and a balance of XXXX with subsequent late payments on my credit report. Experian has reported debt is verified that this information is accurate and is reflected on my credit report. 
In accordance with House Joint Resolution 192 policy, all debts have been paid in full, and I believe the charge-off and late payments should not be reported on my credit file. 
The continued reporting of this charge-off and late payments is causing damages to my creditworthiness, and I request their removal to mitigate these adverse effects. Alternatively, I may seek damages for any harm caused. 
I kindly request that you review the details of my account and verify the payment of the said debt. If necessary, Attached is the provided documentation supporting the settlement for less than the full balance amount. As per the regulations outlined in HJR 192p policy, any offset debt that has been settled should not negatively impact my credit report.
Product: Credit reporting or other personal consumer reports

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and XXXX XXXX XXXX XXXX XXXX Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.
Product: Checking or savings account

CapitalOne 360 savings accounts, previously INGdirect seem to take an inordinate amount of time processing transfers. For example, I executed a transfer for {$11000.00} before noon on Monday XX/XX/XXXX from XXXX XXXX XXXX and those funds will not be available until XX/XX/XXXX. XXXX XXXX XXXX account has meanwhile been fully debited ). 

10-15 years ago when online banking was a novel experience a transfer and funds available window of 3/4 days seemed to make sense given the technology and risks. In 2021, CapitalOne seems to be taking advantage of an opportunity to earn free interest on consumers money while we can not access it. There are many other money transfer services that give me access to funds post transfer in a 24-48h window. CapitalOne is TWICE that. 

This is a pass through account for me so while I wait for CapitalOne to give me access to my own funds, I will not be able to move this money in time to my checking account with XXXX when my tax bill is due on Monday XX/XX/XXXX. I would assume in this current environment I should be able to execute two transfers within a week.
Product: Payday loan, title loan, or personal loan

On XX/XX/2019, I applied for a loan with Lendmark Financial in XXXX NC. Location address : XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX, XXXX  NC XXXX. During the loan application process, Predatory Lending was exhibited by the Store Manager. He failed to review the APY ( Annual Percentage Yield ) and added on services without approval. The loan was paid off on XX/XX/2019, there was a credit due back to me and the Store Manager advised the refund check was mailed on XX/XX/2019. However, after waiting 2 weeks I went to the location and they had only mailed out the check on XX/XX/2019. Even though they knew I was entitled to the refund, they refused to provide it to me in a timely manner. I know this is in violation of the Equal Credit Opportunity Act ( ECOA ).
Product: Credit reporting, credit repair services, or other personal consumer reports

Student loans went into default without knowledge of forbearance expiring. Status was cleared as an agreement to make payments for 3 months consecutively. This was completed. I requested to have all negative payment history removed as a results of all balances being cleared and paid through consolidation and they have refused even though accounts are in good standing. 

The negative history is affecting and preventing me from having a normal livelihood such has finding employment, getting additional school funding and finding a place to live. I've have difficulty doing all these things without the negative history removal.