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

On XX/XX/XXXX I sent a certified letter to Chase Mgt to ask them to delete my incorrect account on all 3 credit reports. There was incorrect information they were reporting to the Credit Bureau 's. 

On XX/XX/XXXX I received a letter back from Chase Mgt stating they were unable to process my request because they claimed that my loan is no longer on their records. 
Since the loan is no longer on their records, they should not be reporting an account that does not exist to the Credit Bureau 's. 

On XX/XX/XXXX I sent another letter stating : Since you were unable to process my request because my loan is no longer on your records. According to my credit report, you are still reporting this account. Please delete this account immediately. 
Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX  and XXXX ) from your company or any company that you represent, for a debt that I don't owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. 
Yet again, you have failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. 

I did not hear back so I sent in another letter on XX/XX/XXXX stating : Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from your company or any company that you represent, for a debt that I don't owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. 

Chase Mgt failed to delete my account from XXXX Credit Bureau 's.
Product: Checking or savings account

I was labeled DEAD in three Bank of America accounts, XXXX XXXX XXXX  I am not DEAD!
Product: Credit reporting, credit repair services, or other personal consumer reports

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

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX and I am submitting this Complaint regarding the fraudulent information I found on my credit report. The items I am disputing do not relate to any transactions I have made or authorized. I have reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I have been a victim of Identity Theft, my information was stolen and used to open these items without my permission or knowledge I therefore request that you immediately remove these fraudulent items from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. Below is the list of the fraudulent items I found on my Credi report : XXXX XXXX XXXX XXXXXXXX Balance {$35000.00} XXXX XXXX XXXX {$360.00} XXXX XXXX XXXX XXXXXXXX Balance - XXXX XXXXXXXX Balance {$320.00} XXXX XXXX XXXX  XXXX Balance {$520.00} XXXX XXXX XXXX Opened XXXX XXXX XXXX XXXX Balance {$960.00} XXXX XXXX Inquired on XX/XX/XXXX XXXX OF XXXX Inquired on XX/XX/XXXX XXXX OF XXXX Inquired on XX/XX/XXXX XXXX  XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX Inquired XXXX XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXXXXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX BANK XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX BANK XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX BEST XXXX XXXX XXXX : XXXX. XXXX, XXXXXXXX XXXX XXXX XXXX XXXXXXXX : XXXX. XXXX, XXXX XXXX XXXX CA 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 LL Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXXI Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXXXXXX XXXX XXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXX. Please Comply with the Federal Law, Fair Credit Reporting Act section 605b, and have the disputed accounts and information removed as soon as possible.
Product: Credit reporting or other personal consumer reports

As per my previous letters dated 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, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, I have diligently submitted supporting documentation ( including my bank statements dated XXXX of total payments made in full ) to substantiate the discrepancies found on my credit report. Regrettably, the bureau 's responses have consistently claimed that the information has been verified as accurate, without providing any proof of who and how they verified the information or the representative 's response in writing, as I have repeatedly requested in the past 12 letters. I've waited three months since the date of my last request ( XX/XX/XXXX ) for a reinvestigation response and written notice and no reply was given in writing. 

The bureau is reporting the following inaccurate, unfair, unduly, incomplete, obsolete, and erroneous information on my credit report and MUST be DELETED due to repeated inconsistent and inaccurate information being reported. 

The bureau is in violation of 623 ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681-s2 ( a ) ( 1 ) ( A ) ; ( 2 ) failed to promptly update and correct information furnished to CRAs and determined was not complete or accurate in violation of 623 ( a ) ( 2 ) of the FCRA, 15 U.S.C. 1681s2 ( a ) ( 2 ), 623 ( a ) ( 5 ) of the FCRA, and15 U.S.C. 1681s2 ( a ) ( 5 ) ; and the bureau failed to establish and implement reasonable written policies and procedures regarding the accuracy and integrity of the information provided to CRAs in violation of Regulation V, 12 C.F.R. 1022.42 ( a ). These violations of the FCRA and Regulation V also constitute independent violations of the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ). Under 1053 and 1055 of the Consumer Financial Protection Act of 2010 ( CFPA ), 12 U.S.C. 5563, 5565.

I have reiterated my rights as a consumer under the FCRA : 1. The right to have accurate and up-to-date information reported by your agency.

2. The right to removal of disputed inaccuracies and errors on my credit report.

3. The right to a thorough and fair investigation of my disputes.

4. The right to add a statement to my credit file, which I have requested repeatedly.

I have requested from them, in writing, further details of the reinvestigation on several different occasions, with no proper response, if any, acknowledging or providing the requested information in writing.
Product: Mortgage

We began the application process back in XXXX but because the company continued to ask for new and additional information it necessitated what they called rate lock extensions, and for each of these rate lock extensions they would add additional fees. These fees were not disclosed to us or discussed with us until the last couple of weeks and therefore it was too late to try to get a loan with another company., ( due to the recent increased rates ), It seems to us an unfair business practice to change the documentation required and then charge additional fees because of the time added due to these requests. This lender knows that if we apply for a loan now the new interest rates are higher than the ones that were available when we began the process so they know they have us between a rock and a hard place so they are unwilling to waive any of these fees.
Product: Credit reporting or other personal consumer reports

XXXX formerly XXXX who I appreciate for giving me a auto loan is continuing to report my loan incorrectly. 

I understand that I didnt have perfect payment history and struggled towards the end but XXXX  billing wasnt 100 % perfect themself with problems with the ACH autopayments that I didnt set up and I wasnt getting alerts or notification that would explain that even though I made payment on time there was another system or platform ( XXXX  ) managing my loan so while I was using XXXX app to monitor my payments the other system ( XXXX  app ) was using ACH autopay caused a return payment on these ACH. XXXX  app showed no autopay or alerts of return payment while XXXX app had it own system processing auto ACH that I didnt realize or wasnt alerted. I got charges a return payment fees even months I paid on time. I asked XXXX to please not report my account in a negative way because the fact is I did pay off the loan early extra fees and all which means that Im not late on payments if the loan was paid early. XXXX has no reason to report anything negative as the account was paid in full. I repeat. The account was paid in full early. 

False information is the documentation of the last payment that shows the account was paid closed followed by 60 days past due. I respect if XXXX feels the need to report the negative but they need to highlight and document my file accurately and fair. This is causing harm. The slight unnoticed remarks and missing information is what causing this to read as unsettled incomplete or negative. The missing information is 1. Last monthly payment. 2. Paid in full 3. Correct order of events with the last transaction and file payment paid in full. Period Thats it. No remarks after closed. What ever you put before is on XXXX but please be honest with the final payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ally financial incorrectly has marked my account as being late on my credit report!! I called ally in XXXX fir an extension before my account was passed due I spoke to a rep a gentleman I was explained that I would need to to get approval before I can get an extension and that I would receive a call within XXXX business days I explained that my account was almost passed due I never got a call they marked on my credit as missed payment this is not right I then try to solve the issue with ally but was told they were unable to pull the call up fir investigation because it was to far back I said thats not right and that I would be making a complaint!! I take full responsibility on 1 missed payment but they need to remove this one fir lying to me and never calling me back I feel cheated I am no longer with ally for there lying and false reporting on my credit report!!
Product: Credit card

In XX/XX/2024, I was approved for the Delta SkyMiles Gold Credit Card, excited to utilize the XXXX SkyMiles point offer for an upcoming international trip and other planned purchases, including four airline tickets. 
However, despite multiple address verification with American Express through both chat and phone, my card was never successfully delivered. After two delivery attempts, both marked as " no one was home '' despite my being present, I was left without the card. The subsequent customer service interactions with both American Express and Delta were extremely disappointing and provided no satisfactory explanation for the failed deliveries. 

This experience has been profoundly frustrating and emotionally taxing. I feel let down by both companies, as neither offered a reasonable resolution or acknowledged the inconvenience caused. The inability to access the promised benefits of the card was a significant setback. 
Adding to my frustration, upon closing the account, I received no communication regarding my remaining balance. I expected a statement or instructions for payment, but none were provided. Furthermore, I was unable to make a payment as the card was no longer visible in either the American Express or Delta apps. This lack of access and communication created unnecessary complications. 

I am particularly concerned about the lack of notification regarding the failed deliveries and the status of my payment. This entire ordeal has caused significant mental and emotional distress. Despite my efforts to resolve these issues, the poor service, communication failures, and delays have negatively impacted my credit score and caused undue stress. Delta consistently redirected me to American Express, stating they were not responsible for card delivery, despite the offer originating through them. This lack of ownership and the repetitive redirection were extremely frustrating. 

I urge you to take immediate action to address the mental and emotional hardship I have endured, as well as the specific issues I have outlined. The delays, poor customer service, and lack of communication regarding both the card delivery and payment procedures were not my fault, yet I am left to bear the consequences
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX 's recent explanation to a closed complaint is extremely untruthful. I can show screenshots of the status of the Credit Report to substantiate my claims. XXXX should be extremely careful when attempting to be overly confident with what it assumes is the truth. Basically, the information that they claim where they found nothing wrong with the Credit Reporting of at least 1 of the loans is without a doubt incredibly inaccurate. 

TransUnion is still investigating this also, which tells me that XXXX was prematurely assuming it had done nothing wrong without properly investigating. CFPB, XXXX is basically putting little effort into resolving the complaints that come through to your portal, and this is obviously due to XXXX  deflecting the point of the Credit Report Status of ANY LOAN by trying to point out that none of the other loans were reported past 30 days. XXXX did not accurately report when the account was past due. Currently the account is NOT PAST DUE, and so it should reflect that on all Credit Reports. The person or persons who wrote that statement is lying about what the Credit Report indicates.
Product: Credit reporting or other personal consumer reports

I need immediate attention regarding this problem since it is very alarming. There are items on my credit report that have resulted from fraud to which I never benefitted from. These companies pulled up my credit report without my authorization, It is stressing me and making me anxious on why and how this happened. I have reported them to the federal trade commission but they are not removed from my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Wrong name on my report.
Product: Money transfer, virtual currency, or money service

I logged into my mobile banking to process a Zelle transaction to a pay an indvidual the amount of XXXX. I received a message that the individual needs to accept the payment via a email or text message. 5 minutes after sending the funds i received a message that asked me to acccept the zell transaction. I did so. I logged back into my account to confirm and realized I was charged twice in the amount of XXXX. I called XXXXXXXX XXXX who said both transactions wer sent. But that XXXX transaction would take a day for the receipt t to receive. I told XXXX XXXX to cancel that transaction sine the individual has mot received it yet. XXXX XXXX said they could not cancel because it was with a third party ( Zelle ) and that i should call Zelle to have it cancelled. 
I called Zelle at XXXX, explained to the rep what had occurred. The representative said Zelle could not assist my at all. He said Zelle can not see transactions or help with issues and that i had to call my back for a resolution.
Product: Debt collection

I sent a request to Caine & Weiner Comp at XXXX XXXX XXXX XXXX Fl XXXX XXXX, CA XXXX to do a full investigation to verify debt that they claim is owed to them from XXXX XXXX, I have denied that claim on more than 1 occasions and the only thing a received was a bill. I reached out to XXXX XXXX and they have No account of me. I asked for original Contract with my signature written or digital signature and a complete payment history as well as proof of credit litigation and haven't received it, how are Caine & Weiner verifying the debt if XXXX XXXX has no info on me. I have a right to receive this info from Caine & Weiner and they have failed in this request.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing and challenging Respectfully XXXX, XXXX and Equifax on the issues of debt collections and Charges Offs of XXXX XXXX of unknown debts of {$6000.00}, XXXX XXXX unknown debt Collection Charge Off of {$6200.00} and XXXX XXXX  Charge Off of {$10000.00}. 
I don't have Auto Loans or loans with none of this companies and I don't owed them this debts. 

Also there is Bankruptcy on my XXXX that needs to be deleted, this derogatory item is not on my XXXX or Equifax credit XXXX. Why is this Negative items are on my credit report.. 

I am XXXX Lifetime, XXXX. XXXX, XXXX and XXXX are trying to collect from my XXXX XXXX pension. income and Violating my XXXX XXXX Civil Rights Act  under Department of Justice. 

Companies and XXXX, XXXX and Equifax has been sharing my information with other financial institutions and companies without my Consent.
Product: Mortgage

case number XXXX was closed jthe mortgage company never gave you the letter from FEMA about the flood Insurance The company has a copy on file that iI sent it to their office. They choose not to send the documents to you so i will send it with this commplaint
Product: Money transfer, virtual currency, or money service

SYNCB/PPC appeared on my credit report when checking online credit report via XXXX XXXX website. Upon further research this is paypal. While it is true that I have an paypal account I never signed up for the credit card portion of the site. 

It is listed as being opened on this date but ive never seen it appear until just today XX/XX/XXXX when checking my report. I check it monthly usually. 
XX/XX/XXXX ( 3 yrs, 10 mos )
Product: Checking or savings account

A total of 29 unauthorized charges, and another 34 amounting to {$1200.00}, and {$1600.00} were made on my cards starting XXXX XXXX XXXX Despite filing numerous disputes with my bank Chime Financial , they quickly reject all of them without providing any evidence to support their decision. The merchants associated with these transactions do not exist, making it difficult to gather relevant information about the issue. From the start, their treatment of my claims has been subpar. Despite informing them and verifying the accuracy of my claims over the phone twice, they still included valid transactions in the initial claims without making any corrections. Despite multiple communication attempts via phone and email, they never delivered on their promises. I personally discovered that certain transactions were conducted in XXXX and XXXX. Being a sole parent residing in Arizona, this situation is particularly concerning for me especially when they say they have a zero liability policy. I have been fighting with them for 3 months and I was credited back for 3 of the unauthorized transactions but not the other multiple unauthorized transactions from the same merchant.
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraudulent accounts were opened online, in my name with XXXXXXXX XXXX XXXX on XX/XX/XXXX and XXXX XXXX XXXXXXXX XXXX on XX/XX/XXXX. I did not know about these accounts until I received a debt collection letter in regards to one of these accounts. These are fraudulent accounts that I never opened! 

When I became aware of the fraudulent accounts, I immediately opened disputes with credit bureaus, reported to XXXX XXXX XXXX fraud department and XXXX XXXX XXXX XXXX   fraud department for investigation on XX/XX/XXXX. I also placed fraud alerts and credit freezes with all 3 credit bureaus. On XX/XX/XXXX, I filed a police report with my local police department about the fraud/identity theft. 

I received a collection letter for the amount of {$7800.00} from XXXX XXXX XXXX XXXX on behalf of XXXX XXXX XXXX XXXX. This prompted me to check my credit report, where I discovered two fraudulent accounts, one being with XXXX XXXX XXXX with a balance of {$990.00}, and the other with XXXX XXXX XXXX XXXX  in the amount of {$7800.00}. I have never received a card for the accounts with either company, I never received any billing statement, online or by mail, and my email address and phone number is not associated with the accounts. I did NOT apply for the accounts!!! 

XXXXXXXX XXXX XXXX and XXXX XXXX XXXX XXXX  also never contacted me to verify my identity before the accounts were fraudulently opened in my name! 

XXXXXXXX XXXX XXXX and XXXX XXXX XXXX XXXX  have been unhelpful in resolving this gigantic problem. They are also not accepting the fraudulent claim due to the account being in my name, even though I, personally, have never opened an account with them. I have taken all steps to prove my innocence and to get these removed from my credit report. I've placed fraud alerts, credit freezes, reported to the FTC, filed a police report, and have sent them letters and documents recommended from FTC as well as a copy of my identity theft report. They still will not accept my fraud claim and remove it from my credit report and collections.
Product: Credit reporting or other personal consumer reports

*** NOTE ; This Complaint has been formatted for submission to District Court in the event of non-performance by any of the Defendants. The word court as used herein is interchangeable and refers to the CFPB, FTC, SEC or whichever agency this complaint is submitted to. 

Failure to perform will be construed as exhaustion of my private administrative process and I will pursue multiple appropriate actions with each and all of but not limited to the following : District Court, the Attorney General, XXXX XXXX XXXX, the FBI, the SEC, and the FTC. 

This complaint HAS NOT been filed in any court of Law at present. 

To prevent the loss of formatting, to preserve readability, to protect my personally identifiable information and for the convenience of the parties SEE ATTACHED COMPLAINT.
Product: Debt collection

They are calling my work for a bill I don't owe. I asked for proof of a bill but they won't send anything. I have told them repeatedly to stop contacting me at my work number and they continue to call.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an account from XXXX XXXX XXXX and XXXX that XXXX BOTH fraud and both that are almost seven years old and is fraud with XXXX. I have disputed it several times and they are saying its valid but wont give me any documentation on it being valid cause its NOT. I was deleted once then came back. I called and said I filed a fraud affidavit with FTC which I did as well as a police report. I submitted this stuff to them and have had no resolution. I call time and time again and get no where. The last representative got an attitude with me and said if I dont like it to file a complaint with FTC XXXX I asked for a supervisor he kept stating I need a reason to talk to a supervisor and will get the same response. I finally hung up they are rude, disrespectful and no help. He couldnt give me an answer on the resolution with submitting the FTC and police report.