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

This is my 15th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, XXXX  XXXX XX/XX/XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit card or prepaid card

My Capital One Credit card last reported on XXXX/XXXX/XXXX that I had a balance of {$5400.00} with a credit limit of {$6500.00}, showing 84 % usage. This has been paid off with a zero balance since XXXX. This has caused my credit score to drop over 40 points and I am in the process of getting a mortgage. I have called the credit agencies AND Called Capital One who said this may take 60-90 days. ALL I AM ASKING IS THAT THEY REPORT to the Credit Agencies but they say because I am in Florida they STOPPED CREDIT REPORTING BECAUSE OF XXXX. THIS IS GOING TO CAUSE A negative situation in possibly not getting my mortgage OR getting a higher rate. Are there attorney 's that I could talk to about getting this taken care of PROMPTLY? Today is XXXX XXXX, XXXX, so it is over 2 1/2 months since they reported the information.
Product: Checking or savings account

Wells Fargo is declining my claims because they said I took me too long to make a claim. I have my phone records showing I tried to shut the accounts down and their customer service told me we shouldn't do that. Now they have declined it saying it took too long to make a claim. I've tried calling the company XXXX, the transactions went through them with no response.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, PA, XXXX XX/XX/year> Subject : Dispute of Inaccurate Information in My Credit Report. 

Whom it may concern, I am writing to dispute the accuracy of certain information in my credit report. The details are as follows : XXXX. Account Name : XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX Issue : Inaccuracies, Late payments I request that you conduct a thorough investigation and correct any inaccuracies promptly. Please provide me with the results of your investigation within the legally mandated time frame. If proof can't be provided, I demand it be DELETED IMMEDIALTY. Thanks! Please see screenshots attached : Enclosed, please find copies of relevant documents supporting my claim. I appreciate your attention to this matter and your commitment to ensuring accurate credit reporting. 

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

THE XXXXXXXX XXXX XXXX XXXX IS A FRAUDULENT INQUIRY. I DID NOT AUTHORIZE FOR THEM TO RUN MY CREDIT. I WANT THEM TO PROVIDE PROOF WITH A SIGN DOCUMENT STATING I APPROVE THEM TO DO SO.
Product: Credit reporting, credit repair services, or other personal consumer reports

Chrysler Capital Accounts # XXXX This account has been paid and closed since 2019 but my XXXX report is still showing that it is open with a balance. How can this be? XXXX XXXX XXXX are reporting the account closed. This inaccurate information is preventing me from getting the credit I deserve and it needs to be removed immediately!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX Accounts # 1.XXXX XXXX Bankruptcy Case Number : XXXX XXXX, 2. XXXX XXXX Account Number : XXXX, 3.XXXX Date of inquiry : XX/XX/XXXX 4. XXXX Account XXXX : XXXX 5. XXXX XXXX  Account Number : XXXX 6.XXXX  XXXX  Account Number : XXXX 7.XXXX XXXX Account Number : XXXX 8. XXXX Account Number : XXXX 9 XXXX Date of inquiry : XX/XX/XXXX Did not consent to unauthorized inquiry XXXX Date of inquiry : XX/XX/XXXX XXXXDate of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

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.
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. 
The accounts below have violated my rights. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I looked at my EXPERIAN credit report on XX/XX/year> 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 supposed 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.

According to 15 USC 1681s-2 they are supposed 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 inaccuracy.
Product: Credit card or prepaid card

Hi, I am currently overseas. Chase bank sent a letter to my home ( in XXXX I believe ) requesting that I send in an ssa-89 and w-9, in order to verify my social security information. Since I am overseas, I did not receive the letter. Chase bank then closed my two credit card accounts on XX/XX/XXXX, without warning me. They did not call me, send me a message via their site, or email me. My account was closed ( I did not realize ), and then my card was declined. I called up customer service to find out why my card was declined, and they informed that my account was closed because I did not send in the documentation they requested. After explaining that I was overseas and therefore did not receive the letter, they told me to send in the documents to them and that they would re-instate my accounts. I sent in the documents via fax, secure message, and mail, and since then they have not re-opened my accounts. I have spent numerous hours on the phone with different branches of their customer service and supervisors, and none of them have helped. They either say it's back office and they can't help, or that they're missing the documents ( while other representatives say they have them ). I have sent them messages, documents, faxes etc. for 5 weeks now, and yet they refuse to help, and my accounts are still closed. Not only did they leave me abroad without cards, and effectively take away all of my rewards points, they also ruined my credit score so I can't even apply for a new card right now. 

Thank you for your help, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a complaint with you against Western credit in XXXX Oregon keeping a report which is not correct on my a record affecting my credit score it's been way over two months nothing 's been done the  investigation that you did proves bias and discrimination because it's still there and nothing 's been done all you have to do is verify that my State insurance XXXX through the Oregon XXXX plan has already paid that bill over 3 years ago it's not my job to do anything since I've done everything I'm supposed to do it's your job do you do it correctly and to research this the right way and not just take someone's word for it because that is discrimination bias and I will sue you in a court of law if you don't fix the problem XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Dear Experian, I am writing to dispute the following information that appears on my Experian report from XX/XX/XXXX : XXXX XXXX XXXX Secured Loan with account # XXXX opened on XX/XX/XXXX and a balance of {$410.00}. 
This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. 
XXXX XXXX XXXX Sales Contract with account # XXXX opened on XX/XX/XXXX and a balance of {$1600.00}. 
This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. 
XXXX  Secured Loan with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
I dispute the missed payments and late payments on this account. Please provide statements and records of all payments made and missed since I opened this account. 
XXXX XXXX XXXX Unsecured Loan with account # XXXX opened on XX/XX/XXXX and a balance of {$210.00}. 
This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. 
XXXX XXXX Secured Loan with account # XXXX opened on XX/XX/XXXX and a balance of {$50.00}. 
This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. 
XXXX XXXXXXXX XXXX XXXX  Secured Loan with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
I dispute the missed payments and late payments on this account. Please provide statements and records of all payments made and missed since I opened this account. 
XXXX  Secured Loan with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
I dispute the missed payments and late payments on this account. Please provide statements and records of all payments made and missed since I opened this account. 
Please reinvestigate these matters and delete or correct the disputed information as soon as possible. Thank you for your assistance. 
I personally sent this letter. 
Sincerely, XXXX XXXX
Product: Credit card or prepaid card

NOT A DUPLICATE COMPLAINT. Chase lying to the CFPB to avoid accountability. 

TIMELINE OF EVENTS XX/XX/2020 - Contacted chase regarding a charge that the company said they would refund. I provided the acknowledgement from the company of return. 
XX/XX/2020 - Chase notified me that they would not honor the dispute since the company claimed I had not returned it. They gave me 14 days to respond. 
XX/XX/2020 - I provided the written acknowledgement from the company of the return again via. Chase 's secure messaging center ( their requested method of response ), and by filing a complaint with the CFPB ( XXXX ). ( DOCUMENTATION ATTACHED ) XX/XX/2020 - Chase lied and said that I had not responded to the dispute and they closed in the merchants favor. ( DOCUMENTATION ATTACHED ) This was both a day early and misrepresented the fact that I had responded in the medium they required. 

XX/XX/2020 - Chase lied to the CFPB and claimed that they reopened the dispute on XX/XX/2020. I contacted Chase on XX/XX/2020. I spoke with XXXX in the dispute department. They told me that they never reopened the dispute. They indeed had spuriously closed the claim in bad faith. 

It appears that Chase is lying about the obvious facts in an attempt to override consumer rights because of a prior agreement with Amazon. This is fraud. I have provided all the relevant documents.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX did not provide me with a HIPAA release that releases my medical information to them ; even more so, by providing such information they are in VIOLATION of my HIPAA rights. I am proceeding with legal action as prescribed by law against the above named collection agency, should this item not be deleted within the 15 day period allowed by law. I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation. 


15 U.S. Code 1681a - Definitions ; rules of construction ( 3 ) Restriction on sharing of medical information. Except for information or any communication of information disclosed as provided in section 1681b ( g ) ( 3 ) of this title, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) medical information ; ( B ) an individualized list or description based on the payment transactions of the consumer for medical products or services ; or ( C ) an aggregate list of identified consumers based on payment transactions for medical products or services.

In a good faith effort to resolve the matter amicably, I restate my demand for proof of the debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must terminate this collection action, and correct any erroneous reports of this debt as mine.

I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously.
Product: Credit reporting or other personal consumer reports

On XX/XX/2024 I checked my consumer reports and found that there was inaccurate information being reported. Contained in the letter attached to this description of my case is a thorough explanation of my situation.
Product: Debt collection

XX/XX/XXXX XXXX XXXX XXXX On the date shown, XXXX XXXX  called me on my cell phone, and explained they are a collection company trying to recover my debt owed to XXXX XXXX. There was a debt. The amount sounded correct. We made a payment arrangement together. 

The whole thing began to take a weird, unprofessional turn after I agreed to two payments of {$230.00}. The agent on the phone with me, a woman with a foreign accent ( the charges incurred foreign currency exchanges, as well ), said she needed to transfer me to her manager for " final approval ''. She was fine, actually, but the manager was acting like a used car salesman, giving me strange options which made no sense. 

I had ALREADY agreed to make two payments. He didn't like the dates. He wanted them back-to-back, then a week apart, then one week after the week I had agreed to! What the XXXX? Finally, I told him he was just too XXXX weird to deal with and process my payments and get off my phone. The phone call lasted 20 minutes after I had already agreed!! 

However, part of what I agreed to was, THERE WAS TO BE NO REPORTING TO THE CREDIT BUREAUS since there had not been any on this matter prior to our conversation. It's now on my XXXX   report as a collection!! They LIED! 

They called me AGAIN, before the second payment ( XX/XX/XXXX ) and began to harass me for my email address, address and more information, which I refused to give them! What do they need ANY of  that for? They don't! After I more than firmly told the same woman, NEVER CALL ME AGAIN, I blocked their number from my phone. 

They lied. They harassed me. They put the report on my XXXX after they promised they had " no interest '' in doing so, AFTER they got their money. Plus, they never explained there would be a currency exchange cost. Ever. {$7.00}
Product: Credit reporting or other personal consumer reports

Complaint is against XXXX XXXX  : Customer Service, XXXX XXXX XXXX, XXXX XXXX, FL XXXX, Tel : XXXX Loan is paid in full. Received letter from XXXX XXXX stating paid in full. Telephone recording states the loan is paid in full. Received released title for vehicle from XXXX XXXX. However, XXXX XXXX  has reported 3 times that the account is delinquent with a remaining balance of {$160.00}. XXXX continues to send statements showing a remaining balance of {$160.00}. These statements are inaccurate. The account is paid in full and XXXX has provided the documentation of such. 

Discovered the delinquent account reporting XX/XX/year>. Contacted XXXX XX/XX/year>, spoke with XXXX ID # XXXX, he found an internal discrepancy, but found that the loan was paid in full with a XXXX balance. He opened a ticket # XXXX to resolve the discrepancy and correct the delinquent reporting. He stated it would take up to 30 days to resolve. Discovered XX/XX/year> " Delinquent account '' reporting for same loan again on XX/XX/year>. Contacted XXXX XX/XX/year>, spoke with XXXX ID # XXXX. He also found internal discrepancy, and also found account to be paid in full and that a Fee Waiver had been entered into the system to " zero out '' the account within 60 days, which was approved on XX/XX/year>. All delinquent reporting was to stop and be reversed with all 3 credit agencies. Received a letter dated XX/XX/year> from XXXX stating that the issue had been resolved and the account had been adjusted to address the payment concern. Discovered XX/XX/year> delinquent account reporting yet again, on XX/XX/year>. 

This has caused my credit score to plummet XXXX points since XXXX. I am a business owner and finance equipment, loan refinancing and new project loans on a regular basis. This has had a negative impact on my personal and professional ability to conduct business. This is without a doubt both fraudulent and malicious credit reporting by XXXXXXXX XXXX
Product: Credit card or prepaid card

I opened a new XXXX XXXX after receiving a {$150.00} statement credit promotion when making a {$500.00} purchase at XXXX in XX/XX/2020. I contacted Synchrony Bank, the issuing bank of XXXX XXXX, after three months where I fulfilled the conditions required for the promotions. I contacted them numerous ( over 7 ) times about this issue and they said they would investigate the issue multiple times, but it was never resolved.
Product: Checking or savings account

I received a XXXX email from capital one, alleging unusual active on my accou8nt ending in XXXX. This amounts to harrassment, as I have 5 accounts with capital one ... .they allege suspicious activity, and I emailed them to knock it off or I will take all my money and cancel the accounts iu have with them ... ..to the tune of over 50K ... .I did this with XXXX and XXXX of XXXX for XXXX like this ... .I will file a complaint every time, a bank does me wrong ... knock this XXXX off! 

They have wrongfully suspended my account and I will file a claim in or XXXX XXXX superior court for tortious behavior if they stop any payment or activity on my checking account forthwith
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, AR XXXX You are in Direct Violation of The Fair Credit Reporting Act ( Access Credit Management in the amount of {$840.00}, I am unsure of any account number regarding this collections ) has violated serval of my rights. 

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

15 U.S.C. 1681 Section 604 A Section 2 : States a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purposes.

Remove these late payments and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act. 


Sincerely, XXXX XXXX
Product: Mortgage

I sold my townhouse at XXXX WI. It was suppose to close on XXXX XXXX, 2015. The closing Company requested a payoff on Tuesday XXXX/XXXX/2015. I requested the payoff on XXXX/XXXX/2015. I have called and the closing company ( XXXX XXXX, XXXX WI. ) has faxed and requested the payoff daily. I was promised it daily especially last Friday XXXX/XXXX/2015. I have still not received it. I can not pay off anything and they are charging me interest daily besides causing lots of problems. My husband an attorney called and they said they could not give him the payoff with the account number and my social security number. They refused to talk to him. 
The company is Seterus Mortgage. Loan # XXXX tele # XXXXXXXXThank you, XXXX XXXX ( XXXX ) XXXXXXXXOr you can contact XXXX XXXX WI. ( XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my FURTHER endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS are required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX ; XXXX XXXX AV XXXX XXXX XXXX NY XXXX XX/XX/XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XXXX XX/XX/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 reporting, credit repair services, or other personal consumer reports

I have carefully reviewed my credit report in Transunion and have been turned down for a credit due to mis-reporting information, I have found inaccuracies that should be immediately investigated. I have complete knowledge of the Fair Credit Reporting Act and understand that these companies have a responsibility to notify me prior to or no later than 30 days of such negative activity reporting against me. The following information therefore needs to be re-investigated. This has really caused me a lot of stress and strain and I demand that these accounts be corrected immediately or I will file for litigation. 

XXXX BANK XXXX, XXXX BANK XXXX, XXXX XXXX, XXXX XXXX