23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/XXXX, I started a Identity theft claim and all fraudulent activities were removed. aout 6 months later a creditor put the debt back on my credit profile. I called the creditor on XX/XX/XXXX and immediately disputed it. I spoke to XXXX XXXX XXXX XXXX at XXXX XXXX and was advised to send Identity theft report to her and I did on XX/XX/XXXX. They Acknowledge receiving it on XX/XX/XXXX and It is now XX/XX/XXXX and I haven't received a resolution. I told Ms. XXXX that XXXXMW Financial Services were involved in Fraudulent Activities and they should look with-in BMW. I contacted XXXX Credit Bureau Fraud Department and was advised to send them the Identity theft paperwork and I did. No one in BMW will contact me, XXXX Credit Bureau will not remove this fraudulent item from my credit report that is derogatory {$83000.00} charge off. BMW is billing someone else name under my social security number and I have sent all the information that is reequired. My latest call was to XXXX Customer service Fraud department. Spoke to XXXX and said there is nothing she can do. just keep disputing it. That doesn't help. Its currently negatively affecting my credit. As I have mentioned to XXXX Several times.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against TransUnion regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Nature of Complaint : I submitted a dispute to TransUnion disputing a late payment reported by XXXX XXXX XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Bank Processing Delay : My payment was made on time, but a delay in XXXX XXXX XXXX internal processing led to the payment being marked as late. I have attached my bank statement showing the payment date and transaction details to support this. 
XXXX XXXX : The XXXX XXXX XXXXXXXX XXXX XXXX had a technical error, which caused the payment to be marked late despite the payment being submitted before the due date. This has been acknowledged by their support team, and I have included documentation of this interaction. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, TransUnion has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and XXXX, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my XXXX XXXX and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX
Product: Mortgage

I applied to Chase for a home loan, because I also bank at Chase. 

Since initiating the application, the loan officer had been difficult to reach, when I have had questions about the process, or when I had problems with the online application itself, that he sent me to fill out. 
He ignored several text messages and voice messages, that I sent, either requesting help, or end to inquire if he received my documentation. 
This behaved as if he were doing me a favor by calls and patronizing me when he did ever answer the phone. I texted that I wanted to look elsewhere for a lender. THEN, he started hslf-way answering calls and messages and Told me how much more competitive his business is than other companies. I changed my mind and decided to give him another opportunity to work. 

XXXX days ago, I requested a good-faith estimate, because I was on a time-line with the house 's contract. I called him and advised him off my predicament with the realtor needing a good-faith estimate, in order to amend the contract. 
I asked him for a ballpark figure, just so that I could communicate with the realtor. I stressed the urgency of the situation. 
His response was, " I do n't my computer in front of me. I need to do a lot of research! I am at XXXX 's, in the checkout line! ... do n't worry. I will lock in your rate and get you a good-faith estimate. " He had already announced to me, that I could call him " anytime '', if I had questions. Yet, he treated me like I was bothering him, and like he was too important to treat me with respect. Had me feeling like I was being jhim for the money for this house. 
Just before writing this complaint, I contacted the loan officer, via text and advised him that I no longer want to work him. I advised him that I think good-faith estimates and " locked -in '' rates are XXXX different things. 
I feel like he is playing upon my ignorance, or rather my supposed ignorance, because I am a XXXX home buyer.
Product: Money transfer, virtual currency, or money service

Hi, I am a XXXX resident. I sent a check of worth {$1500.00} USD from my XXXX XXXX account with XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX to my cousin who lives in XXXX XXXX California on 2023 XX/XX/XXXX. He is a new immigrant in XXXX and opened his account in Chase Bank, XXXX XXXX, California. He received my check via post and deposited the Check to Chase bank using his online banking app on 2023 XX/XX/XXXX. But he did not get money in his account and he visited Chase bank at XXXX XXXX and raised his concern on 2023 XX/XX/XXXX. They told him that we want to verify the check sender. My cousin provided them my phone number and then they said our online security system is not able to verify his XXXX phone number so we are not able to call him. 
He also called on their customer service number but they said the same thing that our system isn't able to verify his phone number. They only want to talk with me via their security system. Chase bank said check sender should contact his bank and his bank should request us to send his money bank into his account. I contacted my bank XXXX and they we have released the money {$1500.00} to Chase bank. They said why we should request them to send it back. It is a matter between Chase and his customer ( my cousin ). XXXX sent me a proof on payment released to the Chase bank. 
On 2023 XX/XX/XXXX, my cousin received a letter from Chase bank that your account will be closed to protect you against the fraud. And they closed his account after few days. 

I again requested XXXX to talk with Chase bank, XXXX rep contacted them on a conference call with me and my cousin to resolve the issue but Chase bank 's rep denied to talk and said we only talk with our customers. But when my cousin ( their customer ) call them they said we can't verify your cousin 's XXXX number and can't release the money. 

I just want my money back from the Chase bank that they did not release it to my cousin in XXXX XXXX. I send a message to Chase on their XXXX account and ask for my money everyday. But they don't provide me a satisfactory answer. It seems like a scam and they don't want to give my money back. My cousin is also trying on his end, but not getting any help. Please help us.
Product: Debt collection

CREDIT CONTROL , LLC is harassing me with letters, emails and phone calls about some Unknown account. They claim that they bought some unproven, unverified and untrue debt from another Company that I have no contract with. I have no contract with CREDIT CONTROL , LLC. I have never heard of this Company, and they have no legal right to contact me about any unverified, unproven and untrue debt. CREDIT CONTROL , LLC is in violation of 15 USC 1692. ( c ) ( a ) of the FTC fair debt collection practices. This Company needs to stop harassing me immediately.!
Product: Credit reporting or other personal consumer reports

I am writing to express my deep concern and frustration regarding my recent attempts to obtain my credit report from LexisNexis. I have submitted online requests for my credit report on three separate occasions, and regrettably, I have not received the requested report. 

Recently, I received a letter from LexisNexis, stating that they were unable to retrieve my credit report due to a purported lack of information on my part and an inability to locate my details. I find this response both perplexing and troubling, as I have provided all necessary information required to establish an account with LexisNexis and even placed a freeze on my account due to concerns about potential fraud. 

It is essential to note that, in order to initiate a freeze or maintain an account with LexisNexis, one must furnish comprehensive personal information. Given this requirement, the claim of a lack of information on my part is not only contradictory but also raises serious concerns about the security and accuracy of the information held by LexisNexis. 

Furthermore, the recent letter from LexisNexis raises questions about how my address was obtained for correspondence purposes. If LexisNexis lacked the necessary information to provide my credit report, it is perplexing how they possess the details required to send me correspondence. 

This situation appears to be a clear violation of my rights as a consumer to obtain my credit report from LexisNexis, especially considering the information provided and the freeze placed on my account. As a consumer, I am entitled to timely and accurate access to my credit information, and LexisNexis ' failure to fulfill this obligation is deeply concerning. 

Please be advised that I am aware of the violation codes associated with credit reporting agencies failing to provide a consumer 's credit report upon request. According to the Fair Credit Reporting Act ( FCRA ), violation codes such as 611, 612, and 613 may apply in instances where the consumer 's request is unjustifiably denied or delayed. 

I anticipate your prompt attention to this matter and a swift resolution to ensure my rights as a consumer are upheld.
Product: Credit reporting or other personal consumer reports

Experian sent me an unsolicited copy of my credit report dated XX/XX/2024. I have already told Experian to cease and desist and stop contacting me and to lock the fraudulent, and slanderous " report ''. When I call to complain they only have XXXX XXXX with no agency on the phone who talk down to me and demand that I do things on their behalf. Clearly there is some international conspiracy to avoid legal repercussions by the criminal " banking system ''. For the last time. I HAVE NEVER MADE A SINGLE LATE PAYMENT TO A CREDITOR - EVER! I DEPOSITED COLLATERAL WITH A MAJOR US INSTITUTION WITH SPECIFIC CLEARANCE FROM THE SEC TO MAKE SUCH DEALS. THEY THEN IMMEDIATELY DEFAULTED ON THEIR OBLIGATION TO REPAY MY COLLATERAL. THEREFORE ALL THESE " CREDITORS '' ON THE REPORT ARE ACTUALLY CURRENTLY INDEBTED TO ME, AND IN DEFAULT BECAUSE OUR COUNTERPARTY, THE BANK, HAS FAILED AND NEEDS TO BE PLACED INTO LIQUIDATION. I WILL NOT BE MAKING ANY FURTHER PAYMENTS UNTIL MY COLLATERAL IS RETURNED. I WILL NEVER DO BUSINESS WITH ANY OF THEM AGAIN, AND THERE WILL BE NO SETTLEMENT UNTIL ADDITIONAL ARRESTS ARE MADE. I AM COOPERATING WITH ALL LAW ENFORCEMENT EFFORTS TO PROSECUTE THIS MAJOR AND ONGOING CRIME. NOW STOP CONTACTING ME, AND GO XXXX YOURSELVES. I DON'T CARE ABOUT THE INTIMIDATION LAW FAIR THEY ARE WAGING ON ME, BECAUSE GUESS WHAT, THE BANIK FAILED AND THERE IS NO MONEY IN IT ANYWAY. GET YOUR NO CONTEST JUDGEMENT AGAINST ME. I DONT XXXX CARE. MY BANK ACCOUNTS ARE ON XXXX OR NEGATIVE. YOU WILL NEVER COLLECT A CENT. BY THE WAY, I'VE RETURNED OVER 250 % A YEAR FOR A XXXX DECADE, AND CAN EASILY AFFORD XXXX XXXX XXXX LOANS. YOU COULD HAVE MADE SO MUCH MONEY FROM ME, IF YOU WEREN'T ENGAGED IN XXXX XXXX! I DON'T NEED YOU AT ALL! XXXX XXXX! LEAVE ME ALONE!
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX The information listed below, which appears on my credit report, is the result of that XXXX 
ACCOUNTS : XXXX XXXX - XXXX - XX/XX/XXXX - {$1200.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX  - XXXX - XX/XX/XXXX - {$0.00} XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - {$0.00} INQUIRIES : XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I DID NOT CONSENT TO, AUTHORIZE NOR BENFIT FROM ANY OF THE FOLLOWING ACCOUNTS PROVIDED.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an auto loan on my credit report with Capital One Auto Finance, the account was opened in XX/XX/XXXX. The account is charged off, I experienced financial hardships and was unable to make payments, the vehicle was repossessed. The account number on my XXXX credit report is displayed as account number XXXX. It has a balance of {$14000.00}. My issue is : Yes, I understand that the account was charged off. My issue is why is it charged off 40 TIMES!!!!! I understand what a charge off is. When a company is unable to collect on a debt owed, over a period of time the debt turns into bad debt and is written off for tax purposes once. ONCE. A charge off is a one time event financially. Why does Capital One Auto Finance get to turn around and damage my credit 40 times!!!!! 1 charge off on my credit report is bad enough. This has to stop. I understand that I was not able to fulfill my obligations and a debt is owed. I get that. The 40 charge offs is extreme and abusive. If, I wasn't being abused financially with these excessive charge offs, maybe I could qualify for a consolidation loan and be able to take care of debts like these. These kinds of actions make it MORE difficult for consumers to come up with some kind of solution to fix the problem. I know Capital One shouldn't be able to charge off a single account 40 times. They charged it off once. Please let my credit report reflect the truth so that I can go out and find a solution and resolve.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New York XXXX XX/XX/year> Subject : Request for Reinvestigation and Removal of Charge-Off Account # XXXX To Whom It May Concern, I am writing to dispute the accuracy of a charge-off listed on my credit report under the account # XXXX. 
I have received a 1099-C form for this account, indicating that the debt was canceled. According to the Internal Revenue Code ( IRC ) 6050P, a 1099-C form is issued when a creditor cancels a debt of {$600.00} or more. This means the debt has been legally forgiven and should no longer be reported as a charge-off. 
Under the Fair Credit Reporting Act ( FCRA ) 611 ( a ), I have the right to dispute any information on my credit report that I believe is inaccurate, incomplete, or unverifiable. As the debt has been canceled and a 1099-C form has been issued, the reporting of this charge-off is both inaccurate and misleading.

I request that you conduct a reinvestigation of this matter under FCRA 611 ( a ) ( 1 ) ( A ) and remove the charge-off from my credit report. If the information can not be verified, it must be deleted from my credit file according to FCRA 611 ( a ) ( 5 ) ( A ). 
Please provide me with written confirmation that this item has been corrected and removed. If you are unable to verify the accuracy of this information, it must be deleted from my credit report as required by law. 
Thank you for your prompt attention to this matter. I look forward to your response. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX I was looking over my credit reports and I see All three credit bureaus marked me as late on both XXXX  XXXX accounts on XXXX XXXX. According to law 15 USC 1681 ( A ), you are not supposed to do this.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of fraudulent inquiries from my credit report. I am a victim of a data breach, and under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting the removal of the following unauthorized inquiries : Unauthorized Inquiries : XXXX. XXXX XXXX Inquiry Date : XX/XX/year> XXXX. XXXX XXXXXXXX XXXX  Inquiry Date : XX/XX/year> XXXX. XXXX XXXX Inquiry Date : XX/XX/year> XXXX. XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/year> XXXX. XXXX XXXX Inquiry Date : XX/XX/year> XXXX. XXXXXXXX XXXXXXXX XXXX  Inquiry Date : XX/XX/year> XXXX. XXXX XXXX Inquiry Date : XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an inquiry on my credit report dated XX/X/X/17. It is listed as XXXX-XXXX/XXXX. I have NEVER applied for this account. I looked up using XXXX XXXX and found it is an clothing outlet. I do not shop at online outlets. I then looked up XXXX XXXX/XXXX information ( again using XXXX ) and found the phone number of XXXX. I called on XX/XX/XXXX and spoke with XXXX in the Fraud Department. It was there he was unable to find the application in current and archived files. He stated that I have to dispute this with Equifax and that you all will call them and they will confirm they do NOT have my Social Security number on file for this inquiry. I am appalled that Equifax yet again has found a way to make my life bothersome again. The fact that you all would place an inquiry under my name that I NEVER applied for tells me you all are not about protecting someone 's identity. You are a joke!
Product: Credit reporting or other personal consumer reports

I submitted a lot of complaints regarding my concern about the removal of the Bankruptcy that I have on my credit report. LEXISNEXIS clearly stated that they could not locate the following Bankruptcy records on my file. Bankruptcy Filing No. XXXX. If LEXISNEXIS can't locate it on my file. It means that these records are not mine and a result of FRAUD/ERROR and it needs to be remove on my credit report immediately, as you know they are in violation of the Fair Credit Reporting Act. 

They also said this. 
In an effort to resolve the consumers concern, LexisNexis initiated a dispute, and that investigation was resolved on XX/XX/year>. During our investigation, LexisNexis did not locate the following records listed below in the consumers file with LexisNexis : Bankruptcy : XXXX XXXX XXXX A resolution letter outlining the results of our reinvestigation and the consumers statutory rights will be mailed directly to them for their review. 
Disputed bankruptcy record case number XXXX submitted to credit bureaus.
Product: Credit reporting or other personal consumer reports

I am REWRITING to XXXX TOYOTA to dispute inaccurate information on my credit report. 
My name is XXXX XXXX XXXX, and my address is XXXX XXXX XXXX XXXX, AL XXXX. My date of birth is XX/XX/year>. The FTC report number related to this complaint is XXXX. I have identified entries on my credit report that appear to be either duplicated or incorrect, and for which I did not provide authorization. As a consumer, I am entitled to have inaccurate or unverifiable information removed from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). Please review my report and remove any entries that do not comply with the FCRA, specifically under XXXXCTA Title 1, Section 151, which mandates accurate and verifiable reporting. I request that you address this matter promptly and provide confirmation of the resolution.
Product: Payday loan, title loan, or personal loan

Dear Team, I have received lot of pre approved/ pre selected offers from below companies in Mail over Last 2 years. but when i applied to them i was denied and it caused me accumulating Inquiries on my Credit report. 

- OneMain Financial XXXXXXXX  XXXX XXXX XXXX- - XXXX XXXX
Product: Student loan

I had an account with FedLoan and paid off my loan during covid. With the CARES act were supposed to be able to request a refund of payments made after XX/XX/XXXX and before XX/XX/XXXX. I called FedLoan XX/XX/XXXX and requested a refund. They said they could process it and it would take 4 weeks to 6 months. Instead they just transferred my Lon to XXXX. They were not transparent on what was going to happen with my account. I got different answers from each rep I called when I called to confirm twice in XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the Credit bureaus was dated XX/XX/XXXX, but I never received a response from them. These items must be investigated and UPDATED in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or prepaid card

I made a claim with care credit 120 days ago and I haven't receive any explanation about my claim yet. Amount {$3900.00}. Thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is still on my credit report still increaseing payments Because This Account is in Depute over 3 years.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is not doing their job every time I submit a dispute regards an unkown hard inquiry and wrong name on file. Once I submit the claim, I get the results within a FEW hours! 
Normally dispute results takes at least 30 days to arrive. This is very odd to get a results within a few hours. Eqifax agents is not willing to work with me, they just wants to hangup the phone. 
Eqifax is not willing to remove the unknowen hard inquiry, and the wrong name.