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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX ( XXXX ) XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX Re : Dispute of Inaccurate Credit Reporting and Collection Information Dear Sir/Madam , I am writing to formally dispute inaccuracies on my credit report under the provisions of the Fair Credit Billing Act ( 15 U.S.C. 1666b ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681e ( b ) ). 

1. Dispute of Credit Reporting Under 15 U.S.C. 1666b ( Billing Errors ) I have reviewed my recent credit report and identified an error in the reporting of a billing issue related to an account [ Account Number ]. Specifically, the report inaccurately reflects a charge, payment, or balance that does not align with the actual transactions on my account. As per the Fair Credit Billing Act, I am entitled to dispute any billing errors, and I request that you investigate and correct this issue within the time frames stipulated by the law. 

2. Dispute of Collection Information Under 15 U.S.C. 1681e ( b ) ( Accuracy of Reported Information ) Additionally, I believe that the information being reported to the credit bureaus concerning an alleged debt under collection ( Account Number : [ Account Number ] ) is inaccurate or incomplete. As outlined in the Fair Credit Reporting Act, creditors and collection agencies are required to ensure that the information provided to consumer reporting agencies is accurate and complete. I request that you investigate and verify the validity of this debt, and that you provide me with documentation proving its accuracy, including the date of the alleged debt, the amount owed, and the details of the original creditor. 

As both 15 U.S.C. 1666b and 15 U.S.C. 1681e ( b ) stipulate, I am entitled to have any disputed information properly investigated and corrected within a reasonable period. I request that you take the necessary actions to correct the inaccuracies on my credit report, and that you notify the credit reporting agencies of any changes. 

Please provide written confirmation of the actions taken to resolve these issues and furnish me with updated copies of my credit report reflecting these corrections. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Checking or savings account

On XXXX17 I opened a checking and savings account with the bank. At time of setting up the acct there was a promo entered XXXX, which had terms that 2 direct deposits must be received and then {$400.00} would be given to consumer in the form of a deposit within 90 days of 2nd transfer. I called the bank last week to advise that my the {$400.00} for setting up the acct with direct deposit was never received and I followed the terms and still have an ongoing direct deposit coming from my employer. The rep advised me that it is because I am transferring the funds from XXXX XXXX XXXX. I explained to him that he was incorrect and XXXX XXXX XXXX is my employer so the direct deposits will say XXXX XXXX XXXX The gentleman apologized and then explained that the promo was updated a few weeks after I set up the account to be for targeted cities only. I informed him that I believed that it is bad business to do the bait and switch. He apologized for the inconvenience and agreed.
Product: Mortgage

I have been trying to get my loan modified with Select Portfolio Servicing. It has been going on for over 3 years. I have XXXX feet thick of repetitive documents being submitted and it is never right and ever enough to them. They are auctioning my home off on Friday and I am scared. I am XXXX and this is my retirement home and my investment. They have broken into my home, they have taken locks off and walked off and left the property unsecured for vermin and vandals. When I approach them they do n't respond except with a double speak response and never resolve or correct. Please help me here so I am will not lose my home on XX/XX/XXXX. they call and I pick up and no one is there. I understand they are preditors. Help me please. they send info to tenants and scare them away so they do n't pay rent. I have put {$100000.00} into the house so far. My phone is XXXX the auction is on XX/XX/XXXX. HELP!! I have also lost substantial reveinue for threats and personal information sent to tenants. 12 months of lost revenue so far at XXXX a month. This would well pay for the adjusted mortgage that I am entitled to. Again, Help. Please e-mail if phone access is not available. Thank you. 
XXXX XXXX
Product: Credit reporting or other personal consumer reports

I looked at my report one XX/XX/year> and noticed some things are incomplete and not accurate. 
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 whom the report relates. 

These accounts are not complete and inaccurate : XXXX. XXXXXXXX XXXX XXXX, last date of activity, closed date, last payment date and dispute status are not reporting correctly. 
XXXX. XXXX, last activity date, closed date, last payment date and dispute status are not reporting correctly. 
XXXX. XXXX XXXX, last activity date, closed date, last payment date and dispute status are not reporting correctly. 
XXXX. XXXX XXXX, last activity date, closed date and dispute status are not reporting correctly. 
XXXX. XXXX, last activity date, closed date and dispute status are not reporting correctly. 
XXXX. XXXX XXXX XXXX activity date, closed date and dispute status are not reporting correctly. 
XXXXXXXX XXXX  last activity date, closed date and dispute status are not reporting correctly. 
XXXX, proof of investigation and proof of the negative payment status for this account was not provided. 
XXXX. XXXX, proof of investigation and proof of the negative payment status for this account was not provided. 
XXXX. XXXX, XXXX of investigation and proof of the negative payment status for this account was not provided. 
XXXXXXXX XXXX  - XXXX XXXX XXXX, last activity date, closed date and dispute status are not reporting correctly. 
XXXX. 
XXXX. XXXXXXXX XXXX XXXX XXXX XXXX  last activity date, closed date, high balance, balance owed and dispute status are not reporting correctly. 
XXXX. XXXXXXXX XXXX XXXX XXXX XXXX, last activity date, closed date, high balance and dispute status are not reporting correctly. 
XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, high balance, last activity date, balance owed and dispute status are not reporting correctly. 
XXXX. XXXX XXXX - XXXXXXXX XXXX  high balance, last activity date, balance owed and dispute status are not reporting correctly. 
XXXX. XXXX. XXXX - XXXXXXXX XXXX XXXX XXXX last activity date, closed date and dispute status are not reporting correctly. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX, last activity date, closed date and dispute status are not reporting correctly. 

I have sent XXXX letters with the latest being in XX/XX/year> ( Attached ) to reinvestigate the above accounts. The accounts were not updated to be accurate. I requested documentation of the investigation and they did not provide it which is violation go 15 USC 1681i7.
Product: Credit reporting or other personal consumer reports

I have lodged disputes regarding a specific account with Experian repeatedly over the past XXXX XXXX months. However, following each purported " investigation, '' the outcome consistently upholds the accuracy of the reported information. It is crucial to underscore that Experian is obligated to report only precise and truthful information. Enclosed with this formal complaint are supporting documents for verification. It is undeniably unreasonable for me, as a consumer, to expend my time rectifying errors made by one company through the intervention of another. Therefore, I express gratitude to the CFPB for their time and dedication in holding companies like Experian accountable for their actions.
Product: Credit reporting or other personal consumer reports

My credit report shows that I have a late payment with target for the month of XX/XX/year> which is absolutely false. The payment was made and can be confirmed by XXXX XXXX ; it is set up with automatic payments and also overdraft protection so there shouldn't be any late payments. I reached out to XXXX  and they said they would contact the credit bureaus to fix the problem but the problem was never fixed. I disputed with the credit bureaus and the dispute was denied. This has a hugely negative impact on my score and needs to be fixed ASAP.
Product: Checking or savings account

On XX/XX/year> I received my monthly state issued check. I endorsed the check and selected the appropriate field to upload the check via Chime 's mobile deposit feature. At first, Chime stated my check would be deposited by XX/XX/year>, but then almost immediately my mobile deposit was rejected. Chime then sent me an automated email stating that it can not cash my check and to not attempt to redeposit it again. They also told me to cash it elsewhere. The issue with that is Chime is my only bank currently and it would be difficult to have it cashed elsewhere since I already endorsed it and likely, I would have to have the check reissued again causing further delay of my funds. There are also fees associated with cashing my check elsewhere that I want to avoid given my current financial situation. Upon escalating the issue via their customer service line and their XXXX page, Chime refused to give me any answers as to why they rejected my mobile deposit and only claimed it was for " security '' purposes. They also discouraged me from trying to deposit it again. This was again reiterated on XX/XX/year>. My theory is that because I have not been working and receiving Direct Deposits for some time now, Chime has secretly negatively reconfigured my mobile deposit uploads. I believe having Direct Deposits with Chime helps Chime to mitigate the perceived risk of a bounced check. I would greatly appreciate if they could be more forward in their business practices about that and make the appropriate adjustments as opposed to giving me the run around. I depend on these checks and to come into this issue negatively affects me and created distrust with this bank.
Product: Credit reporting or other personal consumer reports

I am so exhausted I've been trying to correct things with XXXX but it's no response no reply nothing! I sent so many letters certified and I still get no response. 

please help me pursuant to 15 USC 1681i ( a ) 1 they are required to respond within 30 days or the items shall be removed. pursuant to 15 USC 1681i ( a ) 6 ( B ) 3 they aren't properly investigating these accounts.

please help me as these aren't my accounts XXXX XXXX XXXX XXXX XXXX navy federal credit union XX/XX/year> {$1100.00}
Product: Money transfer, virtual currency, or money service

I sent a transfer of {$200.00} on XXXX XXXX. I only found out the money was not claimed in the month of XXXX of XXXX, 7 years later. I am attaching the receipt of my original transfer. Now when i find out that the money was not claimed the company states they have tried contacting me all this time. I have always had the same address and I haven't received anything from them until now. they want to only return an amount of {$57.00}. I am requesting the original amount be returned to me of {$200.00}. i not more for interests for holding onto the whole amount all this time. I would love for this issue to be solved as soon as possible and not let any more time drag on.
Product: Debt collection

The person calling from XXXX is stating to be calling from XXXX XXXX XXXX collecting a debt. Contacting XXXX at their real phone number. They stated that it wasn't them. 
This individual is pretending to be XXXX XXXX XXXX trying to get personnel information over the phone.
Product: Debt collection

I received a bill from Meridian Financial services for a timeshare owned by my ex-wife and I. In the divorce decree It states we are both responsible for half of the fees until it can be deeded back. The bill was for {$1000.00} and was received on XX/XX/18 and XX/XX/18, I paid my half, {$500.00} on XX/XX/18 after consulting with my attorney and included a copy of the divorce papers as proof along with a letter stating our business is concluded. I also stated that the other half of the debt is my ex-wifes responsibility and to contact her to get it, all by mail. 
On XX/XX/18 I get an email notification from my credit reporting agency that a debt with the high balance of {$720.00} was listed on my credit report and {$500.00} balance left over by Meridian Financial services. That's a difference of XXXX. Not only is Meridian wrong on the amount I owed they are also wrong in the amount I've paid them. 
It's interesting to me that the amount I supposedly owe equals the other half of the total debt.
Product: Credit reporting or other personal consumer reports

I am sending to formally dispute an account that appears on my credit report, which I believe is the result of identity theft. The account in question is listed with the following details : 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 I have no knowledge of this account, and I am certain that it does not belong to me. I believe it is the result of identity theft, and as such, I am requesting that the account be removed from my credit report.

I have attached my FTC Identity Theft Affidavit, which outlines the fraudulent activity and details the accounts that were opened in my name without my consent.

I request the following : 1. Immediate Removal of the XXXX XXXX account and any other fraudulent accounts from my credit report. 
XXXX. Removal of any other information reported from my FTC Identity Theft Affidavit ( including addresses, accounts, and other details ) that do not belong to me. 
XXXX. Confirmation of the removal of these accounts from my credit file, along with an updated copy of my credit report showing the corrections.
Product: Credit reporting or other personal consumer reports

The vehicle a XXXX XXXX XXXX was reloaded from my possession multiple times. My personal information such as social security, name and address were provided to a third party company. This is illegal per code 15 USC 68.02 15 USC 1692F
Product: Credit reporting, credit repair services, or other personal consumer reports

Back in XX/XX/XXXX I was going to apply for a vehicle and I looked at my credit report. there were many items on there that doesn't belong to me including addresses. I wrote to Equifax, XXXX and XXXX. I made them aware of the fraud and inaccurate accounts. I haven't received a response as of yet this is a critical situation. 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( 2 ) Prompt notice of dispute to furnisher of information ( A ) In general Before the expiration of the 5- business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), 15 U.S. Code 1681c2 - Block of information resulting from identity theft 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. I HAVE ATTACHED MY FTC REPORT # XXXX WITH FOLLOWING INFORMATION The following personal information is incorrect. previous addresses- XXXX XXXX XXXXXXXX XXXX XXXX FL XXXX, XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX, XXXX XXXX XXXX XXXX XXXX NY XXXXXXXX XXXX XXXX NY XXXX THE FOLLOWING INQUIRIES IS FRAUDULENT - XXXX XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX THE FOLLOWING ACCOUNTS ARE FRAUDULENT XXXX XXXX XXXX - ACCT XXXX XXXX *XXXX XXXX  - ACCT # XXXX XXXX XXXX -ACCT # XXXX XXXX XXXX ACCT # XXXX PLEASE ADVISE IM ATTACHING MY STATE ID WITH MY SSN CARD AND PROOF OF ADDRESS, MY LETTERS TO THE AGENCIES WITH THE FTC REPORT AND I WILL ALSO MAIL ALL OF THEY ABOVE PRIORITY TOMORROW ... .SO THEY CANT SAY THEY DONT HAVE IT OR CANT IDENTIFY ME THANK YOU.
Product: Credit card or prepaid card

I am a consumer XXXX XXXX XXXX with Power Of Attorney over my Sole proprietorship dba XXXX XXXX XXXX I give American Express full consent to respond to this complaint I filed a dispute against American Express they failed to send documentary evidence pursuant to federal law that I asked for instead they have sent me basic statements of each month from open to close they are missing Account Ledgers showing where this money and credit started and came from. documentary evidence pursuant to federal law includes all public and private correspondence, documents, papers, books of account, account ledgers, financial and corporate. 

As stated in my C & D/Billing error notice " Notice, it is a fact, affiant is aware, American Express as the creditor may not collect any disputed amount, I the consumer and affiant, does not need to pay, the creditor can not restrict, accelerate payment or close an account and or make or threaten any adverse reporting to any person about the consumers credit standing without resolving the billing error. Such actions by American Express will forfeit its rights to collect the disputed amount as described in 15 U.S. Code 1666 ( e ) and hold the creditor liable under 15 U.S. Code 1693m for American Express for the actual damage caused to I, the affiant, as well as held to criminal liability pursuant to 15 U.S. Code 1693n for failing to provide required documentary evidence as requested to clarify and resolve the previously addressed billing error.
Product: Credit reporting or other personal consumer reports

To update this suspicious information, I sent a letter to the XXXX credit bureaus. I believe that these accounts have not been verified in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I shall take legal action against you for this. This was previously incorporated into my last COMPLAINT, and I'm including it once more. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently reviewed my Experian credit report and observed that hard hit inquiries that were disputed & removed were re-inserted into my Credit Report by Experian. I have a copy of a written response from Experian advising me that they were removed as a result of my dispute. Experian NEVER advised me that these items were going to be re-inserted into my credit report ( 5 days after ) as required by Federal Law. Experian is in violation of the Fair Credit Reporting Act 15 USC 611 ( a ) ( 5 ) ( b ),
Product: Mortgage

XX/XX/XXXX, I contacted XXXX XXXX of Primary residential to see if there were refinancing options for my first home. However, after speaking with her she determined that they would not be able to refinance my home. I informed XXXX that was working with another mortgage company already to finance my home. However, she offered to help find me a loan product her company was offering for the home I was in the process of purchasing at the time. After going over a few loan products with XXXX that were not a great fit for me, she finally said she had found a XXXX loan product that her company had just started offering XX/XX/XXXX. XXXX sent a loan summary to me within about a week of mentioning this product to me. This loan summary looked amazing! It appeared that the loan product she was offering would save me about {$300.00} per month in comparison to the other mortgage company. After the loan summary was sent XXXX began to slowly respond to my text and phone calls. Eventually XXXX sent me a Loan estimate that was still looking good! My closing date was XX/XX/XXXX and it was approaching pretty fast. Two weeks prior to my closing date the appraisal had been completed and XXXX ensured me that we would meet my closing date. However, the week of my closing I called, texted and emailed XXXX and she was n't replying and I was not confident at this point that we would close on time. At the same time, do to lack of communication with XXXX the builders for my home were not trying to wait for me to get final approval from them because the other company I was working with had a final approval in enough time. Thank goodness I continued to work with the other company! I ended up contacting Primary Residential Mortgage to withdraw my application because I did not have any definitive date for close. The day before my closing I contacted the Branch Manager for Primary Residential and expressed my concerns. During my conversation with the Branch Manger it was discovered that XXXX had lied and never informed me that I was being approved for a XXXX loan. I told the Manager that XXXX has never disclosed that to me. After review of my file, the Manager acknowledged that XXXX did submit my loan as XXXX loan product and he apologized for the error and confusing. He advised me that I should continue with the other mortgage company because they were offering me XXXX % financing. This was a very stressful process and overwhelming considering for about 45 days I was under the impression I was getting a XXXX loan and saving money! The day after I closed, I did receive some flowers at my new home from Primary Residential congratulating me on my new home. However, I just felt like the company could 've did more for me monetarily since I was lied to and mislead into thinking I was saving money. This was a horrible experience overall!
Product: Credit reporting

I am current on my credit cards and paying payments on time some i paid off they cancelled my credit cards due to much inquiring which is not true at all.why there are canceling and lower my credit limits even i am paying on time and paid in full.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent in a dispute and validation letter to Experian by certified mail, along with my information and they took no action on my request to get inaccurate items removed and updated on my report. I sent two forms of Identification with my certified mail, and Experian responded with a letter saying " It appeared not to have been sent by me, or authorized by me, and action was taken on my request. See attached for Experian 's letter as well as my letter of request of dispute and validation. There is incomplete, and inaccurate payment history on my report, and payments from creditors that I have no knowledge of, or payments made for any of the amounts on the report. Please see attachments. I included my findings for them on my certified letter with my personal information.
Product: Credit reporting or other personal consumer reports

XXXX, The information on this credit reporting platform has not been verified or permitted by me to be placed on their credit report. There are no documents with any signature of mine that states that it was okay for this platform to post or report my personal business on their site or information that they have yet to verify belongs to me. I noticed over eight addresses that do not belong to me and just as many phone numbers. I would like for this platform to send me any type of documentation that verifies this is an account that belongs to me before reporting this type of information. 
Dates : XX/XX/2023 XXXX XXXX Dates : XX/XX/2023 XXXX ( 2 ) Inquiries XXXX XXXX XXXX Dates:XX/XX/2023 There are over 8 addresses on these reports that does not belong to me and phone numbers as well. The name on these reports are spelled wrong, I also disputed that as well.