23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NY, XXXX XXXX Dear Sir or Madam, This letter is in reference to my student loan with XXXX XXXX. The account number is # XXXX My name is XXXX XXXX, and I first want to thank you for taking the time to read this letter. Ive had a great experience with Chase Auto Loans, and my goal is to maintain the relationship weve built over the last number years. Recently I was even given a new Chase auto loan for my XXXX XXXX XXXX which like my first auto loan with Chase was paid off early. I recently pulled my credit report and discovered I had a late payment that was reported on XXXX & XX/XX/XXXX for my auto loan for the XXXX XXXX account XXXX. During that time, I had a medical emergency that required me to drain my savings and use most of my paycheck to cover, which impeded my ability to make an on-time loan payment those months. I realize I made a mistake in falling behind and take full responsibility for my actions. I understand that late payments cause inconveniences for your operation and ensured it didnt happen after those months. Up until my the medical emergency, I had an on-time payment history and also after. The loan was also paid off earlier than the term date. 

Based on my otherwise spotless payment history, the date of the late payment as well as the account age almost 7 years, along with the history of my new Chase auto loan that was paid on time as well as paid off early. I would like to request that you apply a goodwill adjustment to remove the late payment mark from my credit report. Granting this request will help me improve my overall credit history and demonstrate my consistency as a creditworthy borrower. Thank you in advance for your consideration. 

Thank You XXXX XXXX
Product: Debt collection

On XX/XX/XXXX USA Student Debt Relief contacted me via phone call. They said I qualified for a payment plan that was going to relief me of paying XXXX. They said that to be enrolled in the program i needed to pay 4 payments of {$390.00} and {$72.00} each month for 210 months. They had all my info already when they called, my ssn, student loan amount, address, full name, everything.
Product: Credit reporting or other personal consumer reports

I appreciate your assistance in getting some of the fraudulently obtained data from my credit file removed, but there are still items that need to be blocked or removed. You must remove all records listed on an ID THEFT REPORT by FCRA section 605 of the regulations. I am proactively including this report again because I proactively remembered it for a previous letter. I have informed my attorney of my intentions, and they are willing to hold you accountable for your persistent disobedience. 
XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; ( Original Creditor : ) XXXX Balance : {$800.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

Complaint Regarding Credit Report Inaccuracies Dear CFPB, I am writing to file a complaint regarding inaccurate information on my credit report. I have been actively disputing these inaccuracies with the credit bureaus, but they have failed to adequately investigate my claims or remove the incorrect information. In accordance with the Fair Credit Reporting Act. I attached the PDF file below containing the list of items that have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Credit Bureau stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify or delete accounts that aren't reporting correctly. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

I also believe that the credit bureaus have violated the Fair Credit Reporting Act ( FCRA ) by failing to : 1. Investigate my disputes in a timely and reasonable manner : The credit bureaus have not provided a clear explanation for their decision not to remove the inaccurate information, and I believe their investigation was inadequate. 

2. Furnish accurate information to creditors : The inaccurate information on my credit report is harming my ability to obtain credit and other financial services.

3. Follow the FCRA 's dispute resolution procedures : The credit bureaus have failed to comply with the timeframes and procedures outlined in the FCRA. 

I am requesting that the CFPB investigate my complaint and take the following actions : 1. Order the credit bureaus to remove the inaccurate information from my credit report.

2. Require the credit bureaus to provide me with a copy of my updated credit report reflecting the changes. 

Enclosures : Copies of my credit reports Copies of my dispute letters Copies of any supporting documentation I provided to the credit bureaus
Product: Credit reporting or other personal consumer reports

I am writing this complaint to formally dispute the inaccurate reporting of a bankruptcy under XXXX XXXX. XXXX on my credit report. This bankruptcy was canceled with the court and did not proceed, making this information invalid and misleading. 

I have confirmed with the court located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Utah XXXX handling the case that they do not share such information with credit bureaus. Therefore, this inaccurate entry raises serious concerns about how the information was obtained and reported. 

I do not consent to the dissemination of my personal information through any third-party bureaus, and I demand the immediate removal of this incorrect entry from my public records. Its presence on my credit report is causing undue harm to my financial reputation and opportunities. 

If this error is not resolved promptly, I am prepared to pursue legal action to protect my rights and address the damages caused by this negligent reporting. 

Please confirm in writing when these corrections have been completed or provide a detailed explanation with supporting documentation if corrections can not be made. Please block this information from my credit report within four business dats pursuant to section 605C of the Fair Credit Reporting Act. 

Please acknowledge receipt of this letter and provide a written update confirming the removal of the incorrect bankruptcy entry within 30 days, as per the Fair Credit Reporting Act ( FCRA ). 

Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U.S CODE 1681 ( b ) PERMISSIBLE PURPOSE OF CONSUMER CREDIT ( 2 ) ( A ) ( ii ) the consumer has authorized in writing ( which authorization may be made on the document referred to in clause ( i ) ) the procurement of the report by that person.

( B ) ( ii ) the consumer shall have consented, orally, in writing, or electronically to the procurement of the report by that person. 

They do not have my permission to report on my consumer credit report. 
I Demand it to be removed and every violation of unauthorized information on my report is a {$1000.00} fine letters have been sent certified mail and return receipts have been received by me. 

These following unauthorized inquires are fraudulent and inaccurate information and my permission has not been given orally, in writing, or electronically to report these inquiries on my consumer report and I demand them to be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Payday loan, title loan, or personal loan

on XX/XX/XXXX my wife tried to make a {$5000.00} payment for our HELOC at truist. 
It didn't go through. 
the next day, there was no record of the attempt. no change in balance, nothing take out of our bank ( nfcu ) on XX/XX/XXXX, the tried again. same thing, nothing. 
on the XXXX, I called at XXXX and was on the phone until after XXXX they still had no record of the first two attempts. 
I asked the rep how I was supposed to make my heloc payment, she said she could do it for me. 
I asked her to be sure there was only going to be one. 
She said only the one she processes. 
The next day, truist processed three identical payments for a total of XXXX This caused my balance to go to XXXX, and XXXX charged me {$29.00} bounced check fee. 
truist says the only thing they can do is to mail me a check. they won't ACH, EFT or let me pick up a check at the local branch. they won't reemburse me for the {$29.00} bounced check fee. attached is transcript.
Product: Mortgage

Veterans United serviced my home loan. Significant water damage of $ XXXX was found after closing due to the poor VA inspection process. As soon as I reported the damage to Veterans United they disappeared and left me with significant liability. I have put $ XXXX worth of repairs and new appliances into the property and still can not sell the property.
Product: Credit card or prepaid card

I have had a Chime account for a few months. My paycheck is direct deposited into this account. I accidentally logged myself off of the app last week. I also have a new phone number from when I opened the account. I tried to retrieve my password and they locked my account. I have been communicating with them for 6 days. I have uploaded documents they requested and they still refuse to unlock my account. That is my only money source and XXXX is in 3 days
Product: Credit reporting or other personal consumer reports

Subject : Failure to Correct Duplicate Student Loan Entries by XXXX I am filing this complaint due to XXXX 's repeated failure to correct significant errors on my credit report. Despite multiple disputes filed regarding the inaccurate duplication of student loan entries by the XXXX XXXX XXXX XXXX XXXX has not taken appropriate action to resolve these errors. 

Detailed Issue : Nature of Dispute : My credit report incorrectly displays multiple entries for student loans originally held by the XXXX XXXX XXXXXXXX but were transferred to Edfinancial Services XXXX These loans are still appearing as active under the XXXX XXXX XXXXXXXX XXXX XXXX credit report, with duplicate entries updated as of XX/XX/2023, for various amounts, totaling XXXX erroneous entries. 

Dispute History with XXXX : I have disputed these inaccuracies with XXXX on multiple occasions. Each time, my dispute has been either dismissed or inadequately addressed, with no proper investigation or correction made. This continuous oversight on XXXX part is unacceptable and unprofessional, contributing to ongoing inaccuracies in my credit profile. 

Impact of Inaccurate Reporting : These duplicated entries misrepresent my debt level and creditworthiness, potentially affecting my financial stability and ability to secure future credit opportunities at favorable rates. The lack of resolution from XXXX has directly impacted my financial health.
Product: Checking or savings account

I filled a claim for unauthorized transactions in the amount of approximately {$94000.00}, Citizens Bank never contacted me to ask what the issue was and closed the claim saying no fraud occurred on my account after looking at the history, when no history existed, as I just opened my account with Citizens. Its clear Citizens did not investigate this claim because I was never contacted and for that Citizens wouldnt know what to even investigate as well as stating that the account history was a deciding factor when no such history was available for citizens to use. I have sent my local branch ( XXXX XXXX XXXX ) a demand letter advising them that I will seek damages allowed under the electronic transfer act if I do not receive a refund on my account. The act allows for treble damages and attorneys fees if the financial institution fails to investigate consumer claims and I feel that this is what occurred with my claim. Although I have spoken with an attorney who is willing to start litigation in this regard, I thought I might try this before I start the litigation process. Please let me know if you have any questions in this regard and thank you for taking the time to investigate this matter. 

I have also attached just a few of the documents that I would have presented to Citizens if they contacted me to investigate my claim. 

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

There are 17 accounts that are on my credit report that do not belong to me I have been going back and forth with the buireaus for two years I have opened an FTC report and this is my last step. This is clearly identity theft and I wan this resolved asap. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXXXXXXXXXXXXXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX - CARD SERVICE Account Number : XXXX Account Name : XXXX - CARD SERVICE Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX/XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXXXXXXXXXXXXXXXXXX Account Name : XXXX/XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

To all Credit Bureaus : XXXX Equifax Information services LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX RE : Remove Unauthorized inquiries Dear XXXX, XXXX and Equifax information services LLC After recently reviewing my credit report, I noticed unauthorized credit inquiries. I did NOT authorize the following inquiries listed below. These were not obtained with my consent. Please delete immediately.
Product: Checking or savings account

My attorneys helped me prepare this complaint. 

I am an elderly woman who uses Direct Express for my Social Security direct deposits and have a debit card with them. I wanted to dispute certain transactions that I believed were fraudulent due to someone stealing my debit card. I hired attorneys to assist me with disputing fraudulent charges made on my card. Direct Express refused to talk to my attorney and myself at the same time, while we were both on conference call. Direct Express also refused to talk to me when I placed the call on speaker phone, because my attorney was present in the room. Direct Express forced me to dispute the transactions by myself. I was finally able to do so, but it was a difficult process. During the call in which I successfully disputed the transactions, my attorney was present in the room, communicating with me about what to say to the Direct Express representative, what to ask for, etc., by writing the questions down on notebook paper and holding them up to me. 

My attorneys have told me that they frequently run into this problem with Direct Express on behalf of elderly clients. Forcing elderly individuals to communicate about financial matters and make important financial decisions, without any legal representation, is an unconscionable practice.
Product: Debt collection

I tried three times to fix this with this company. I had tried to dispute XXXXXXXX XXXX XXXX even through the credit bureaus. It comes back every single time as verified. I never received any information on how this could be verified as I have never had an account with indigo Credit card. I asked if they could please send me a signed application which showed that this was taken out. I never get anything. This has been on my credit report since 2019 and its not fair that they dont verify and can still keep the on my credit report. If they are collecting for Indigo MasterCard, they should have information. I was a victim of identity theft in 2019 and it may stem from this while I rented my home out. They were notified of this also.
Product: Bank account or service

Sir, I am a senior US citizen XXXX XX/XX/XXXX, holding an A/c in JPMorgan Chase Bank N.A . 
I am submitting this complaint related to an UNDISCLOSED and DUAL charge of {$27.00} for the same transaction by the Chase Bank, in addition to their DISCLOSED transfer fee of {$15.00}, the transaction being an inward wire transfer dt XX/XX/2017 of amt {$9800.00} from XXXX. 
Prior to the wire transfer, I telephonically asked Chase Bank for their Swift Code ( XXXX, I was informed ) and their wire transfer fee ( {$15.00}, as DISCLOSED to me ). I conveyed the Swift Code to XXXX, who confirmed a wire transfer for {$9800.00} was made by them on XX/XX/2017. 
Although I expected a credit of {$9800.00} ( {$9800.00} less transfer fee {$15.00} ), I was credited only {$9800.00} in my above Chase A/c. There is, thus, an obvious discrepancy of {$27.00}. In response to my numerous inquiries, Chase Bank repeatedly told me that {$27.00} may have been taken by XXXX or some intermediate agency. I made two visits to my Chase Bank Branch and met Vice President XXXX and made numerous calls to their Service Line XXXX. I am sure Chase Bank would have a record of all my conversations, since they all took place on their recorded lines. 
As I could not get any convincing or credible explanation from the Chase Bank staff, I contacted XXXX. I spent considerable time and money ( nearly {$50.00} ) on calls and communications to different officials of the XXXX in order to get at the truth. At my request, XXXX reconciled and tallied all the wire transfer records of XX/XX/2017 with JPMorgan Chase NY and told me in no uncertain terms that they had transferred {$9800.00} to Swift Code XXXX on XX/XX/2017. 
On XX/XX/2017, I rang up the Chase Wire Transfer Dept ( XXXX ) and spoke to XXXX, XXXX and finally their Escalation Supervisor. I asked them just one question - " Does Swift Code XXXX belong to any institution other than JPMorgan Chase Bank N.A., such as any of their subsidiaries or affiliates? ''. Their answer - " No ''. 
Faced with this unambiguous information, the Escalation Supvr told me that she would tell the Customer Service to credit Transfer Fee {$15.00} to my A/c, but did not commit to the UNDISCLOSED/DUAL overcharge deduction of {$27.00}. 
I made one last effort on XX/XX/2017 by calling ( XXXX ). I spoke to XXXX, XXXX and Supvr XXXX. I, even, drew their attention to the online Chase Bank A/c entries pertaining to XX/XX/2017, showing {$27.00} deduction by Chase Bank before the second deduction by them of transfer fee {$15.00}, and also informed them that XXXX, by law, can deduct their fees in XXXX only ( not in any foreign currency ). But all this to no effect. Hence this complaint to you. 
Sir, my main complaint refers to the UNDISCLOSED and DUAL charges {$27.00} and therefore I request your intervention to get a refund of {$27.00} by the Chase Bank. And if you deem it appropriate, I further request that Chase Bank should desist from charging UNDISCLOSED and DUAL fees from customers. 
Thank you for your consideration and help. Kind regards. 
Yours faithfully An Affected Senior Citizen
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX XXXX Dear CFBP & EQUIFAX, It has been over 90 days since I made my initial dispute against the fraudulent Late Payment notations on a few accounts on my XXXX credit report that are incomplete and inaccurate which are a violation 15 USC 1681e ( b ). 

You also violated 15 USC 1681s-2 ( a ) & ( b ). 15 USC 1681i ( 5 ) ( A ) ( i ) & ( ii ) Any person who fails to fix this matter will be held liable under 15 USC 1681n which is civil liability for willful noncompliance. 
Accounts list XXXX XXXX XXXX XXXX XXXX  Account XXXX XXXX ( Fraudulent inaccurate unverified late payments ), delete late payments or entire account expeditiously because it directly violates 15 USC 1681s-2 ( a ) & ( b ), 15 USC 1681i ( 5 ) ( A ) ( i ) & ( ii ), and 15 USC 1681e ( b ) XXXX. XXXXXXXX XXXX Account # XXXX ( Fraudulent inaccurate unverified late payments ), delete these fraudulent late payments from account or delete account expeditiously because it directly violates 15 USC 1681s-2 ( a ) & ( b ), 15 USC 1681i ( 5 ) ( A ) ( i ) & ( ii ), and 15 USC 1681e ( b ) Furthermore, I want to formally report that my identity was compromised because of the well-documented Equifax data breach. Attached are my credit report and the necessary documentation from Equifax confirming the theft of my personal information and their subsequent action to remove all fraudulent and inaccurate accounts from my credit report. I respectfully request that similar measures be taken by XXXX and XXXX to ensure the accuracy and integrity of my credit information. This request is in alignment with the Fair Credit Reporting Act ( FCRA ), particularly Section 609 ( e ), which mandates that credit reporting agencies must take swift action to rectify inaccurate or fraudulent information resulting from identity theft. Furthermore, the precedent set in the case of [ relevant case law ], supports the immediate rectification of such errors to uphold consumer rights under federal law. '' Once you have deleted the accounts from my credit report, please send me a copy of my updated report. 
Thank you, XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

For the last few months I been trying to contact experian but they have a automation system that doesn't help or make it easy to have access to my score and report on my online credit monitoring services. It makes it hard for me to see what's on my report. Just in case I need to dispute anything or denied credit when I apply for anything because experian doesn't supply any info
Product: Mortgage

today my spouse who has authorization to speak on my account has been requesting to speak on a non recorded line which is our right in massachusetts today called in again and request was made and said they would get back to us.THIS IS THE SAME LINE MONTHS AGO CARRINGTON GAVE MY HUSBAND.WHY IA NOT BORROWER OR BORROWER REP BEING AFFORDED THAT RIGHT.CARRINGTON BY NOT ALLOWING TO SPEAK ON NON RECOEDED LINE IS MAKING IT LOOKLIKE WE ARE NOT IN COMMUNIQUE WHICH WE ARE.ALSO IT SEEMS THERE ARE MISSED CALLS BY CARRINGTON AND THEY ARE NOT LEAVING MESSAGES SO WE DONT KNOW WHO TO SPEAK WITH, THEY SEEM INTENT TO FORECLOSE AND HAVE TRIED LOOKS LIKE THEY ARE TRYING TO PAINT BORROWER IN A NON COOPERATIVE LIGHT. ALSO A XX/XX/2018 LETTER WAS CONFIRMED RECEIVED IN REGARDS TO A PAYMENT PROPOSAL BUT NO RESPONSE