23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

Chase card services estate department has been notified of a deceased card member XXXX XXXX XXXX, they have a copy of the death certificate. They have been advised no known executor exists, they are being advised of no known existence of assets, interest charges should cease and credit back to date of death of XX/XX/18. Please notate records accordingly.
Product: Debt collection

Online Collections submitted a {$190.00} collection for XXXX XXXX XXXX and failed to send me any notification to my known address on my credit report for over 2 years. This is in direct violation of Federal Law. Since I never knew about debt they failed to disclose it to me by not sending me a 30 day notice before placing it on my credit file with caused adverse reaction to my credit file in which they are liable to the fullest extent under law.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX performed an unauthorized inquiry on my credit on XXXX XXXX.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of 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 These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Prepaid card

On XX/XX/18 around XXXX XXXX i had purchased an American Express XXXX $ goft card. I loaded it up with {$62.00} and it cost {$6.00} to purchase. So {$68.00} in total. I got the card waited an hour like i was supposed to. I had tried to make a purchase a little after XXXX. It was declined. Ok. So i waited a bit more. Tried a few times between XXXX and XXXX. Still declining. It is now currently XXXX and it still is not working on XXXX XXXX XXXX XXXX XXXX at all. XXXX has a pending XXXX XXXX on it. And now its just stuck like this. 

I called customer service around XXXX. Gave him the details of the amex card, explained my problem amd was told that the merchant on XXXX doesnt take amex ( which is bull as the seller clearly states amex is perfectly fine to use ). Customer service did not help me at all. He didnt give me a solution but said the card was Active which i already knew as i can see its status on the website. I tried a few more times to purchase around XXXX. Also still declined. Not only that but the card is showing as expired when i tried on XXXX ( XXXX XXXX ). 

So basically im out nearly {$70.00}, can not get a friend a gift ( as the sale ends on XXXX XXXX tomorrow  ), i can not get what i planning to purchase either because of this. I never have a issue with Visa cards. But this Amex gift card has given me problems that shouldnt be an issue. Im not sure if i have to wait 24 hours or what. Ive waited the initial hour and the 4 hours that are in the TOS pamplet and it still doesnt work.
Product: Payday loan, title loan, or personal loan

I want this fixed and for this to be removed from my credit report for good will and try to help me with this
Product: Credit reporting, credit repair services, or other personal consumer reports

This credit bureau is reporting inaccurate account and payment information as it pertains to a XXXX XXXX XXXXXXXX account that is listed on my credit report. The account number for that XXXX XXXXXXXX XXXX account is XXXX. I have disputed the accuracy of this account numerous times and pointed out to the credit bureau why it is reporting inaccurately and they have done nothing to fix it but continue to report the same inaccurate information. 
With that in mind I am therefore exercising my rights under the Fair Credit Reporting Act and asking this credit bureau to provide me with there method of verification showing that this account is reporting on my credit report accurately. I am requesting documentary evidence provided by the creditor to you showing that this account is reporting accurately on my credit report as it is not reporting accurately. The law gives you 15 days in which to provide me with that method of verification. The fair credit reporting act says that if you are not able to provide me with that method of verification within 15 days of you getting this request then this item should be deleted from my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is false! On this account, I've never been late! I'm always on time. This is deceptive information. By reporting this false information, you are destroying my credit.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
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  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXXr : XXXX XXXX XXXXXXXX XXXX ) # XXXX XXXX  XXXX # XXXX INQUIRIES XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX 'S XX/XX/XXXXXXXX XXXX  XX/XX/XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX has violated my rights. 

I looked at my XXXX credit report on XX/XX/XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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.
Product: Credit reporting or other personal consumer reports

Good Afternoon to whom this may concern I still have questions regarding my account. I was unaware of the status of my account until it showed up on my credit report as of the end of XXXX. I have spoken with several representatives and sent emails regarding these issues. I was told that XXXX does not report good standing to the credit agency and that my status would be that way for the next 10 years. That is why I disputed with the agencies. I guess I was misses informed by my lawyer because I was told that this account was included in my bankruptcy and that they could be discharged because federal loans can be included in a person 's bankruptcy if the Judge agrees. I also was informed that XXXX is not a federal agency so that's why my loans became due, but then I'm told that these are federal loans. If these are federal backed loans or federal loans, repayment did not go into effect for federal loans until XXXX so why was I hit with late payments? It also comes at a time when I'm trying to secure housing for myself and children, and everyone knows they use your credit score. ; due to these repeated past due charges I can not find housing. This is very devastating to myself and my family. I'm XXXX yrs old and to have to go live with a parent in a XXXX apartment with XXXX kids is totally embarrassing. In the past I have never been late with any of my student loans, and I feel this is very unjust. XXXX has not reported anything to the credit agency regarding these student loans for years, then all of a sudden late and dropped my credit score XXXX points crushing my dreams and belief in the federal systems. Last question : How is it that if this is not a federal loan XXXX can use the federal IDR for these loans. This all is not fair, and it is ruining my life. I've been told that XXXX could remove the late payment status with a Goodwill letter. Is this possible in my case I have completed all forms needed for IDR and also looking to consolidate these loans, so this confusion doesn't happen again. XXXX does not tell the truth XXXX rep says these are not federal loans the next rep says these are federal so why doesn't the federal law apply.
Product: Credit card

XX/XX/XXXX, I had overpaid my Home Depot credit card in the amount of {$190.00} and therefore, the card carried a debit balance in my favor for this amount. XX/XX/XXXX, I made XXXX purchases in the total amount of {$960.00}. Within the next 3 weeks, I returned some of those purchases. This led to a net purchase amount of {$280.00}. There was some confusion regarding how this pending overage payment would be applied to my account and balance. After repeated communication with Home Depot was able to resolve this and I made the balance payment of {$87.00}. Home Depot waived all the fees etc assessed while this issue was being resolved. This brought the balance of the account to zero. However, Home Depot still decided to report my account to credit bureaus.
Product: Credit reporting or other personal consumer reports

I have not been provided with any documents or information validating that I opened this account. I did not authorize XXXX XXXX to establish this account in my name, and I have not agreed to the charges that are now delinquent. 

According to Section 623 ( b ) of XXXX U.S.C. XXXX ( b ), you were supposed to : 1. Report the results of the investigation to the consumer reporting agency. 
2. If the investigation finds that the information is incomplete or inaccurate, report those results to all nationwide consumer reporting agencies to which the financial institution previously provided the information. 

I have never received any verification that this debt is accurate and belongs to me. Since I have not been provided with proof or evidence that this debt is mine, the appropriate action must be taken. As a result, if the disputed information is incomplete, inaccurate, or unverifiable, it must promptly be addressed for reporting to the consumer reporting agency by either : a. Modifying the item of information, b. Deleting the item of information, or c. Permanently blocking the reporting of that item of information. 

Please update my credit file immediately.e immediately.
Product: Credit reporting or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has falsely verified several accounts in question. They claim that XXXX XXXX is my accounts. How??? The so called charged off accounts of the that XXXX claims is the Origional creditor is nowhere on any credit file .... Not Equifax, Not XXXX, not XXXX. Tell me, how can a company collect on a non exsistant account??? Equifax not only falsely verified these accounts, but refused to disclose how and any documentation that was used to verify these accounts. XXXX sent me a 4 year old statement dating back to 2015. How is this validation???
Product: Credit reporting, credit repair services, or other personal consumer reports

Gateway Mortgage sold our loan to XXXX XXXX on XX/XX/2023. They failed to report this correctly to both XXXX and XXXX. Both credit bureaus are showing twice the amount owned on the same house due to Gateway continuing to falsely and illegal report our mortgage with them as open instead of closed. Our reports still show our Gateway mortgage as open with a current amount of {$270000.00} and with XXXX XXXX with a current amount of {$270000.00}. This shows future creditors that we have an open balance of {$540000.00} and two mortgages which is false. 

A dispute was opened with XXXX on XX/XX/2023 and the letter from Gateway showing the sale of the loan was provided. On XX/XX/XXXX, Gateway knowingly, illegal, and falsely told XXXX that their loan with us was still open. XXXX denied the dispute and kept the information on our credit reports due to Gateway reporting all the information as accurate - open account. Additional information was provided such as the letter Gateway sent to our insurance company asking to be removed from our policy and they are no longer our lender. Gateway knowingly, illegal, and falsely told XXXX again on XX/XX/2023 that our loan with them is still open and all the information on are report is current. 

In addition, even thought it has been more than 30 days, Gateway refuses to provide an escrow statement after closing the account.
Product: Mortgage

Nationstar, their lawyers have submitted evidence in court and the CFPB about fraudulent assignments filed in the XXXX County Court House. Under Penal Code 115, 132 and 134 they are guilty of a felony which is forwarded to the proper authorities by suggestion of Individual Accountability for Corporate wrongdoing to all those agencies. We have on may occasions turned to the CFPB without any changes happening, only more wrong doings are submitted. The CFPB has failed to protect the consumer regarding " abusive '' servers, who are debt collectors, not Lenders, Holders in Due Course, Beneficiaries in Interest. Penal Code 487PC, grand theft ... Under the FDCPA trying to collect payments as debt collector through the Mail ... Mail Fraud. 

* DATED XX/XX/XXXX-One assignment was requested by XXXX XXXX clearing. XXXX assigning the DOT to Nationstar for XXXX XXXX. 
# 1- XXXX XXXX was declared Bankrupt at time. 
# 2- This assignment was never recorded in the XXXX XXXX 's XXXX. 
# 3- Proof of the consideration by Nationstar is missing. 
# 4- XXXX XXXX clearing is a know fabricator of false documents. 

Nationstar used this document to request the subsequent recording of assignments without legally possessing the Note in order to record the DOT : * DATED XXXX/XXXX/XXXX ... Recorded in County XXXX/XXXX/XXXX ... days before court proceedings.XXXX assigned the DOT to XXXX XXXX, the Trustee for XXXX, XXXX pass through certificates XXXX # XXXX The XXXX XXXX CLOSEDon and about XXXX XXXX ... 8 YEARS after the Trust closed. 
# 2- The PSA specifically states that once a XXXX closes, it can not come out # 3- IRS has very strictguide lines and there is a XXXX % tax penalty. 
# 4- They did it as a Nominee/Agent for XXXX XXXX , who would be the XXXX. XXXX went Bankrupt XXXX # 5- How did XXXX XXXX XXXX receive funds for the loan, when they are absent in the chain of title? 

*DATED XXXX/XXXX/XXXX ... Recorded in County XXXX/XXXX/XXXX ... days before court proceedings.XXXX assigned the DOT XXXX XXXX Bank XXXX the Trustee for XXXX, XXXX pass through certificates XXXX # XXXX XXXX XXXX XXXX and aboutXXXX XX/XX/XXXX ... 10 YEARS after the Trust closed. 
# 2- The PSA specifically states that once a XXXX closes, it can not come out # 3- IRS has very strictguide lines and there is a XXXX % tax penalty. 
# 4- They did it as a Nominee/Agent for XXXX XXXX , who would be the XXXX. XXXX went Bankrupt XXXX # XXXX How did XXXX XXXX XXXX receive funds for the loan, when they are absent in the chain of title? 

Since XXXX XXXX, the Note and the DOT have been separated. The DOT was recorded with XXXX as the nominee and Beneficiary from XX/XX/XXXX-XX/XX/XXXX, while the Note supposedly went to different entities. It never went to XXXX XXXX XXXX, the XXXX into the Trust. There are some serious questions to be directed to the IRS about the XXXX XXXX XXXX. 
XXXX v. XXXX XXXX XXXX XXXX Supreme Court XXXX The Note and Mortgage are inseparable. The assignment of the Note carries the Mortgage with it, while an assignment of the latter is a nullity.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX Email : XXXX Phone : XXXX ( XXXX ) XXXX Date : XX/XX/year> Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Subject : Request for Correction of Personal Information in Credit Report To Whom It May Concern : I recently reviewed my credit report and found several inaccuracies in my personal information, including incorrect addresses, name variations, and employment history. I kindly request your assistance in correcting these errors. I have attached documentation providing proof of my current address and the correct spelling of my name as indicated on your website. 

To facilitate the correction process, here is a list of incorrect addresses currently appearing in my report that I would like removed : XXXX XXXX XXXX XXXX, XXXX, Texas XXXX XXXX XXXX XXXX XXXX, XXXX, Texas XXXX ( duplicate entry ) The only correct address that should appear in my report is : XXXX XXXX XXXX XXXX, XXXX, Texas XXXX Additionally, I noticed that my name is misspelled in various ways in my credit report. My name has only one correct spelling, and there should be no variations listed. To confirm the correct spelling, I have attached a copy of my photo ID. 

Here are the incorrect spellings currently listed in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I also request the removal of the following incorrect employer : XXXX XXXX The only employer that should be listed is : XXXX XXXX XXXX These inaccuracies are causing challenges for me in maintaining an accurate credit report and are affecting ongoing legal processes. Therefore, I kindly request the removal of the incorrect names, addresses, and employer from my credit report and that it be updated accordingly. 

Once the necessary corrections have been made, please send me a copy of my updated credit report for my records. 

Thank you for your prompt attention to this matter. I sincerely appreciate your assistance. 

Sincerely, XXXX XXXX XXXX XXXX Attachments : Photo ID Proof of current address
Product: Credit reporting

I called and spoke with an agent and then a manager asking to have my hard inquires removed. I have writte letters to each of the companies and have not received a response of validating or a letter of having the inquires removed. They are currently being showed on my credit report. 

The FCRA states that the only permissible purpose for pulling someone 's credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order. 

The following credit inquiries are related to none of the aforementioned permissible purposes : 1. XXXX XXXX 2. XXXX 3. XXXX XXXX 4. XXXX XXXX 5. XXXX 6. XXXX XXXX Please remove these inquiries from my credit report immediately. I have enclosed a copy of my driver 's license as proof of identity.
Product: Credit reporting, credit repair services, or other personal consumer reports

These are accounts are TOO old in which exceeds the FCRA laws, or they are not mine! I also didn't authorize this company to pull my credit, or the address I have never lived in. I filed a complaint with the FTC in which I attached 3 reports that has all the information on it.
Product: Credit reporting or other personal consumer reports

Account Number : XXXX I am writing to formally dispute inaccuracies in the reporting of the above-referenced account on my credit report. A review of the details provided by your bureau and those reported by other credit bureaus has revealed several inconsistencies and potential errors that require immediate investigation and correction. 

Discrepancies Identified : Account Type and Details : The account type is consistently listed as " Installment Account '' across TransUnion and XXXX. However, XXXX further categorizes it as a " Secured Loan. '' Please verify and confirm the correct account type and details. 
Balance and Past Due Amount : Both TransUnion and XXXX report a balance of {$4500.00} and a past-due amount of {$4500.00}. These figures should be verified for accuracy with the creditor, as they may no longer reflect the current account status. 
Account Status and Payment Status : The account is marked as " Closed '' with a " Charge-off '' or " Charged off as bad debt '' payment status. Additionally, TransUnion includes a comment indicating " Profit and loss write-off, '' which is absent in XXXX report. Please investigate whether these designations are accurate and align with the original creditors reporting. 
Last Reported and Date Last Active : TransUnion lists the " Last Reported '' date as XX/XX/XXXX and the " Date Last Active '' as the same. XXXX, however, reports the " Date Last Active '' as XX/XX/XXXX. These discrepancies must be reconciled and updated with accurate information. 
Date of Last Payment : Both bureaus report the date of last payment as XX/XX/XXXX. Please confirm that this date is correct and corresponds with the creditors records. 
Requested Actions : Conduct a comprehensive investigation with the original creditor or data furnisher to verify the account information. 
Update any incorrect or inconsistent details regarding the account type, status, balance, past-due amount, and activity dates. 
Provide a detailed explanation of your investigation, including the evidence used to verify the reported information. 
Legal Obligations : Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to ensure the accuracy, completeness, and verifiability of all reported information. Please resolve this dispute and provide me with an updated credit report reflecting accurate data within the legally mandated 30-day period.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX/XXXX # XXXX is reporting a charge off to my credit that is past the Statute of Limitations in Nevada. I no longer legally owe this debt and it needs to be taken off of my credit report.