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

Dear Credit Bureau, XXXX XX/XX/XXXX, someone reported my XXXX XXXX credit card balance as {$100.00} to all major credit bureaus. However, my actual balance is {$0.00}. This false information has caused my XXXX XXXX to drop by XXXX points unfairly. I demand that only XXXX credit report per month be submitted for my accounts to prevent such inaccuracies. 

Additionally, I request that my XXXX XXXX be immediately restored to its proper level before this erroneous reporting. Please investigate and rectify this issue promptly. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Product: Mortgage

I had a valid lease on a property in Foreclosure. I contacted Wells Fargo and notified them several times that the property was not Vacant. They sold the property and Never gave me time to find housing or get my personal property. I am now homeless.
Product: Consumer Loan

I got a pre-approved home equity letter from Freedom Mortgage Company ( XXXX XXXX ) of NJ. They made this offer because " I am a XXXX and a home owner. But I 'm not a XXXX. I worry they soliciting people under the guise of " thanking a XXXX. '' I have the letter if you wish to see it. Thank you.
Product: Credit card

I am still disputing this charge as I never received the item. The seller has provided a fraudulent tracking number, and fraudulent pictures that show a package delivered to a house that isn't mine. Also, tha package in the fraudulent picture shows 'SENDERRA ' which is a pharmaceutical company. My order was an eight pack of long XXXXXXXX XXXX XXXX 

Also, the seller initially said shipping would take roughly two weeks, then the fraudulent tracking number was provided and it was magically marked as delivered overnight. the dates and locations are obviously fraudulent, please help me Also attached is evidence from many other buyers of the same fraud committed by this seller on XXXX. 

the XXXX tracking number they supplied will not show my home address, please also check that also, each filter weights XXXX pounds, so the total box would be at least 24 pounds. this fraudulent tracking number says the package weight was 7 lbs
Product: Checking or savings account

I deposited a personal XXXX check of {$29000.00} on XX/XX/2022. Chase Bank has put a hold on the deposit until XX/XX/XXXX. That is 8 business days. 
I sent emails to my Chase Bank representative and to the branch manager. I asked where my money was. It was no longer at XXXX bank and it was not available at Chase. 

I have not received an answer from either Chase employees. I noted that XXXX XXXX XXXX XXXX magazine said many complaints about Chase had to do with this long time period before a deposit becomes available.
Product: Checking or savings account

Around XX/XX/XXXX, my Discover checking account was locked, and the reason stated by them was unusual bank activities detected. And I was told to call the number stated in the bank app, which I did on XX/XX/XXXX. When I reached out to an agent, the agent said that I would receive a reason notice in the letter, and the fund will be deposited to me after 60 days. I told her that my last activity was depositing my company 's check of XXXX dollars, and after the fund was available, I transferred that fund to my other bank 's saving account. The agent told me that this could trigger fraud detection, and told me no way to appeal even though I didn't commit fraud at all.
Product: Credit card or prepaid card

I have an account with Macys/DSNB acct # XXXX which I opened in XX/XX/XXXX never had any issues with it. I made a payment to the card in XX/XX/XXXX to pay off my balance in full. To me I this account was paid down to XXXX  once my payment was applied. It seems the interest generated of {$0.00} which I was not aware of since to my knowledge the payment bought the account to XXXX. 

I tried tirelessly to resolve this matter with Macy 's direct. I even paid the fees which have occurred since then.
Product: Student loan

i am struggling to get financing to go back to school, due to the fact that i have over 79k in loans that i am expected to pay back on a XXXX year salary. this is nearly imposisble for me as i am a father of XXXX and have no other source of income. when i went to XXXX i had no idea the cost of what college should be and now i have learned that the caliber of education i received does not equate to almost 100k, i wish to learn more about the CLAss action lawsuit against Navient that is being pursued by you. XXXX XXXX and XXXX forced me to believe there school was the only one to attend and they had the best education for my money, i was wrong and i continue to be stuck in a career pit as i can not afford a better education. please contact me
Product: Credit card or prepaid card

I was shocked when reviewing my credit report and found a late payment on the date below : XX/XX/2017 I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

MANY INACCUARIES LISTED IN CREDIT REPORT. CONSUMER REPORTING AGENCIES MUST REPORT 100 % ACCUARCY. 

PLEASE SEE ATTACHED.
Product: Credit card

I received several emails from Kohls for a statement of {$3.00}. I always pass my emails on to my husband and he immediately pays the bills. I did not realize he did not pay the bill. I never received a late fee or a notification that my bill was overdue. I have been having some issues with my husband and noticing a start of memory issues. I have been a member of their credit card for 25 years and always pay my bills on time. This is embarrassing and devastating for me. My credit score dipped XXXX points for a bill I didnt know was overdue. Were currently in the process of purchasing a home and this tremendous drop XXXX have a serious effect on this purchase. I called them and they will forward to the appropriate division and said this will take 30 days. 

I really dont have that kind of time. Can you please help me with this issue? 

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

In accordance with the Fair Credit Reporting act XXXX XXXXXXXX XXXX account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit card

Made payment towards bill. Bank took payment. Company took the money still placed a hold on my card and couldn't use it. Still can't use it. Customer service does nothing but give you the XXXX number which they hangup on you constantly.
Product: Credit card or prepaid card

There was a credit card opened is reporting a account under my ssn. The name and address is different and date of birth and i am requesting all reporting under this number be ceased. The ssn being used is XXXX XXXX XXXX. This belongs to me XXXX XXXX not the person who applied and received card. This was fraud.
Product: Debt collection

In the month of XX/XX/2018 I reached out to the account management for XXXX XXXX XXXX. I was beginning the process to move out and terminate my lease with a pre- arranged resident to take over the remainder of the lease term. The company agreed to this arrangement, I then proceeded to begin a new lease at a residence that was a better fit for my situation at the time. At this time I received a move out agreement. When it came to the day the take over was supposed to proceed the other resident backed out of her agreement and I was notified by XXXX XXXX that I was once again responsible for the remaining rent for the lease term. I was notified a payment plan could be an option and management agreed and had me sign a payment plan starting at {$25.00} a month, with the option to increase payment amounts later on if able to. After sending my first payment I was notified by management that I was now required to pay the full amount in 30 days because of policy change by corporate. I asked about the previous payment plan and why my signature on that document was over ridden and no longer in existence. No answer was given but a reply with the offer of bringing the payment owed down by 40 %. I was then told that someone would be taking over my lease XX/XX/XXXX and that I wouldn't be responsible for XXXX-XXXX rent. I was not able to pay the full amount by the 30 day deadline so my account was sent to collections, for more than they said I owed. I have tried to call multiple times and get in contact with anyone who can help and have had no luck in communicating with anyone to help with my situation. I was able to save some of the emails and documents they originally emailed. This has had a very negative impact on my credit score given it is the only negative situation I have.
Product: Credit card

Received a XXXX misc from Chase Bank for overpaid interest due to the Service Members Relief Act. We are frustrated because this should not be considered income for us to pay taxes at years end. This was already tax from paycheck and then we issued a payment against the credit card debt. This is owed money. Not taxable money. I 'm not sure how these banks can get away with this.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S. Code 1681b Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency, ( Bureau ), any WRITTEN CONCENT to report anything on my consumer report which Violates my rights as a federal protected consumer. NO CONCENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of these accounts listed IMMEDIATELY! 



Account Name : Account Number : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Accounts Listed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX INCORRECT ADDRESSES : XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX Way XXXX XXXX AL XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX Lucky Town XXXX XXXX XXXX AL XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX XXXX AL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX
Product: Credit reporting or other personal consumer reports

I am writing to express my deep concern and frustration regarding the multiple unsuccessful attempts I have made to correct an accounts opening date on my credit report with XXXX Credit Bureaus. The incorrect accounts opening date has resulted in inaccurate reporting that has negatively impacted my credit score. I first reported the issue and have subsequently made attempts to resolve the issue, providing the necessary supporting evidence and documentation to support my claim. I believe that a prompt correction of this late-open accounts are essentials to ensure the accuracy of my credit report. I kindly request a thorough and immediate investigation into this matter to correct the reported accounts opening date. I expect that Credit Bureaus values accuracy and fairness in its credit reporting practices and is committed to ensuring the integrity of my credit report. I would appreciate a prompt response to this complaint. I am asking for your immediate assistance to correct the accounts immediately : XXXX MORTGAGE XXXX Balance : {$380000.00} ; XXXX XXXX XXXX XXXX Balance : {$30000.00}.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX Is sending me collection letters to collect on a discharge debt. 

Conns Appliance is the original creditor that keeps giving these collection companies my discharged debt. 

This is the 3rd collection company that has contacted me. 

I am tired of responding but I have to in order to keep them from Attacking my credit. 

Conns Appliance also reported my debt as a charge off instead of a discharge although the account was never late before discharging. 

It seems Conns keep selling my information
Product: Payday loan, title loan, personal loan, or advance loan

I took out a Title Loan from TitleMax in XXXX. I've been paying the principle back as best I can since then. But because of a few late payments and the loan being re-financed every 30 days ( which I think they do to make it harder to pay back on the principle ) and because the amount is different every month. I've not been able to pay it back in a way that significantly pays the loan back or down. In some cases I've had to choose between groceries and paying on this loan ... ... which means nothing if I'm only able to pay the ridiculously high minimum amount. 

Please help me or tell me what I can do to get out from underneath this. 
They have fixed this in a way that I'll never pay it off and they know it. 
I need legal options at this point. 

Thanks XXXX XXXX XXXX XXXX XXXX
Product: Student loan

I payed three payments of XXXX to student loan XXXX to a XXXX XXXX XXXX   and a XXXX XXXX this is a student loan forgiveness program they consolidated my loans when I contacted XXXX XXXX who I found on my credit report said that I could of done this for free the money I gave to them did not even go toward my loan they are trying to get one more payment of XXXX from me Im not sure if this company is legit
Product: Checking or savings account

An account was fraudulently opened with Chime Bank. I was made aware of this account via email, otherwise I would've never known. I tried to reach out to Chime for assistance but was initially told I needed to be sure I didn't open the account or were trying to open a new account and close another one. After I received this email, I was extremely upset. I reached out to Chime a second time demanding this account to be closed. I also explained how all three credit bureaus have a fraud identity verification statement from me which they bypassed. Chime reached out again ( via email ) stating I would need to send in my social security card, drivers license and a picture of me holding my license in order for them to verify my identity. I emailed them back stating I will not send in these personal documents that were not required to open this account. Chime response was basically stating there was nothing they could do if I did not assist them with these documents. There is no telephone number to speak with anyone at Chime, they only respond via email. I am extremely upset during these hard uncertain times with the way I am being handled as a victim of identity theft. My personal information is out on the XXXX market and Chime doesn't seem to understand how they play a major role by skipping the appropriate steps to accurately verify potential customer 's identity.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL,XXXX  Dear Credit Bureau : I received a copy of my credit report and I have found that in accordance with the FCRA you violated my rights under : 15 USC 1681 SECTION 602 WHICH STATES THAT I HAVE THE RIGHT TO PRIVACY, FURTHERMORE 15 USC 1681 SECTION 604a SECTION 2 ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT OUT MY WRITTEN INSTRUCTIONS.

Pursuant to 15 USC 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, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

List : Creditor Name, Account Number, Month/Year of Late Payment XXXX  XXXX ; ACCOUNT NUMBER XXXX XX/XX/XXXX XXXX XXXX XXXX : ACCOUNT NUMBER : XXXX XXXX & XX/XX/XXXX XXXX XXXX XXXX : ACCOUNT NUMBER:XXXX XX/XX/XXXX XXXX XXXX XXXX : ACCOUNT NUMBER XXXX XX/XX/XXXX I NEVER gave you, OR the above-listed creditors any written instruction to furnish any information on my consumer report which is a violation of 15 USC 1681b. Credit Reporting Agency has caused severe stress and anxiety due to the abusive and unfair practices. 


You should be ashamed of yourself for ASSUMING this role and position to constantly commit fraud and cause harm to consumers! These accounts are listed with late or missed payments and that is incorrect. The ABOVE listed ACCOUNTS were NEVER late and should be listed as PAYS or PAID AS AGREED. 

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report, and I demand that you provide me with concrete evidence and all documentation proving that I am or have been late. It is my understanding that you will recheck these items with the creditor who has posted them. 


Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this investigation within 30 days of receipt of this letter. Please send an updated copy of my credit report reflecting the requested changes. 


Best Regards XXXX XXXX
Product: Debt collection

Hello, I am reaching out to get more information about a debt so that I can be fully informed. I have recently pulled my report and see this debt collector furnishing a derogatory account on my report ultimately tarnishing and ruining my reputation. They are also prohibiting me from extending credit as well. 

I am asking for this company to comply with the information in the attached document so that I can be fully aware of this debt to better help me make an informed decision about my next steps with this debt.
Product: Mortgage

I was behind my mortgage I applied for the XXXX loan modification. I made my three payments and the bank for closed anyways.
Product: Credit reporting or other personal consumer reports

LexisNexis Risk Solutions Consumer Center Attn : Consumer Disputes XXXX XXXX XXXX XXXX, GA XXXX Consumer Number : XXXX [ Date ] Dear Sir/Madam, I am writing to address a concerning matter regarding my recent review of my credit report. Upon inspection, I noticed that there is an entry indicating a bankruptcy on my profile. I am reaching out to understand the process by which this account was added to my profile, as I have no record of such an event. 

I am not currently requesting a full investigation into this matter, but rather seeking clarification on the verification process employed by LexisNexis. Understanding how this information was verified is crucial for me to assess the accuracy of my credit report. 

At this juncture, it appears that LexisNexis may be in violation of several statutes, including but not limited to 15 USC 1681Q and 18 USC 1028. I must emphasize that I have not provided written consent for the sharing or reporting of this particular information. 

In accordance with the Fair Credit Reporting Act ( FCRA ), I hereby formally request that LexisNexis deletes this erroneous account from my profile within 10 days of receipt of this letter. 

Please be advised that I am putting LexisNexis on notice regarding the unauthorized inclusion of this bankruptcy entry on my credit report. 

Thank you for your prompt attention to this matter. I expect a timely response regarding the actions taken to rectify this issue. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have tried to dispute some items on my XXXX credit report but each time i try to access it online it gives me a number to call XXXX XXXX XXXX to call XXXX. I know that there is a lot of inaccurate information on my credit report such as collections AND inquires. 

I feel as though XXXX is possible jacking up my credit report and I need several items removed.
Product: Debt collection

Prior to beginning employment overseas, we settled with XXXX XXXX XXXX in XX/XX/July2017. After moving, neither us nor our tenant has received communication regarding debt owed, until my husband received a phone call XX/XX/XXXX on a US phone number while in XXXX XXXX, XXXX ( which we will not be able to keep ) regarding already paid debt. Upon contacting them to inform them we had already paid the debt, I was told by a phone representative of the organisation that " it is not their problem '' that I did not receive proper, legal notification in the mail. When I insisted we settled with them prior to leaving and asked for proof, I was told they will not send it internationally. I would like to dispute the debt because have we already paid and the company has said they can not send me proof of debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting duplicate accounts on my credit file. XXXX XXXX XXXX and Comenity Captial/Big Lots ; Comenity Bank/Victoria Secrets and Comenity Bank New York & Co are attempting to collect the same accounts and reporting on my credit file duplicates.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, AR, XXXX XXXX XXXX XX/XX/XXXX Charge-off Dispute for Account XXXX I am writing to formally dispute the charge-off status of my account, XXXXXXXX XXXX XXXX, which is currently listed on my credit report. I believe this entry is inaccurate and would like to request a thorough investigation into this matter. Details of the Account : - Account Holder Name : XXXX - Account XXXX - Creditor Name : XXXX XXXX XXXX  Date of Charge-off : XX/XX/XXXX- I request that you verify the accuracy of this charge-off with the creditor. If you find that the information is inaccurate, I ask that you correct or remove this entry from my credit report as required under the Fair Credit Reporting Act. I appreciate your prompt attention to this matter and look forward to your response within the 30-day investigation period as stipulated by the Fair Credit Reporting Act. Thank you for your assistance. Sincerely,
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to the Experian website to temporarily unfreeze my credit for a creditor. I completed the online form to do this, and had the correct pin number, which I kept when I initially froze my account during the Equifax breach. After each of my two attempts, I was informed that they were unable to process my request and to MAIL the following documents : copy of social security card current address previous address copy of drivers license copy of utility bill or some other bill w current mailing address Send all of this info to : Experian Security Freeze, po box , etc.

I find it ludicrous that a credit agency was instructing me to MAIL all of my identifying information, which could be easily stolen in the mail. I called their published number on their website for fraud issues. After entering all of my info, I was informed that they would not be able to process my unfreeze request and instructed to mail the same materials to same address. After calling their other published customer service lines, none of which I could get through ( dropped calls, numbers not working, etc ) I googled " how to reach a human at experian. '' I found a number online on a bloggers website with instructions on how to reach a human at experian. The number he provided was not found anywhere on Experian 's website. After being on hold for 20 minutes, I was connected with a person who was able to unfreeze my account. My complaint is that Experian does not provide adequate support for credit freeze/unfreeze.