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

I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to ensure the maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. Therefore the following information needs to be investigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from the report as soon as possible : XXXXXXXX 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 Balance Owed : {$3000.00}
Product: Debt collection

In XX/XX/XXXX my husband and I filed a WI 128 amortization of debts. This plan was paid in full on XX/XX/XXXX. All creditors received notice that the debts were satisfied at that time. This company is still reporting the XXXX debt as outstanding to the credit bureau. I have disputed this debt twice with the credit bureau twice but the company refuses to enter it as paid on my credit file.
Product: Credit card or prepaid card

On XX/XX/2022, I was fraudulently charged {$630.00} at a hotel I never stayed in. I have reached out to Cash App and filed a dispute for this purchase that was made with my cash app card. I had also contacted the hotel management who assured me this was an issue to take up with Cash App. I filled out all of the appropriate forms asked of me by Cash App, and still no response. It is now XX/XX/XXXX, and I havent even received an e-mail update on my case. During the course of this time I have reached out to SEVERAL representatives via the support chat who have all failed to provide me with any information on my case. At this point I am beyond frustrated that this is how your customers are treated. I utilize cash app for my direct deposits and have been a loyal customer for YEARS. They have absolutely no reliable support that actually cares about your situation, and no protection for your funds! Solve my dispute and stop making excuses!
Product: Credit reporting or other personal consumer reports

MY INFORMATION WAS SOLD AND BOUGHT ILLEGALLY BECAUSE I WAS A VICTIM OF THE EQUIFAX DATA BREACH. I WANT THESE ITEMS DELETED FROM MY CREDIT REPORTS EFFECTIVE IMMEDIATELY. I AM ATTACHING PROOF THAT EQUIFAX HAS ADMITTED THAT I WAS IN FACT A VICTIM OF THIS DATA BREACH AND EQUIFAX HAS DONE NOTHING. PLEASE HELP ME DELETE THESE ILLEGAL ACCOUNTS FROM MY CREDIT REPORTS. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Hi there, sofi closed my account which I when with them on my email ( XXXX ) well I guess by now a lot people must have filed complaints about sofi, sofi closed my account for over 2 months and not saying anything, the account is frozen with my money in it and when I called sofi they asked me to verify myself through a link which I did and till now nothing has happened still, I want access to my money please I need bills paid and its becoming XXXX  wirh sofi
Product: Credit reporting or other personal consumer reports

I am submitting this follow up on my recent complaint submitted on XX/XX/XXXX, expressing my concerns about items included in my file resulting from a reported crime. I would like to emphasize that the items under dispute are entirely unrelated to any transactions involving the acquisition of goods, services, or funds that I have either made or authorized. Therefore, I respectfully request the removal of these items from my credit file, in accordance with FCRA Section 605b. As per the aforementioned section, Credit Bureaus are mandated to expunge any items listed on an identity theft report, with reference number XXXX. I have outlined the specified items that require immediate removal from my credit reports below : EXPERIAN : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

I am currently in a Rate reduction plan but it is still too expensive and navient was unable to include all my loans in the plan. They are very confusing and made me say yes to this new rate reduction plan. I feel that they have misled me numerous times.

At one point a supervisor named XXXX XXXX stated if I submitted bank statement in XX/XX/2016 then my lifetime interest rate for all my loans would be 1 % this information was never told to me then specifically otherwise I would have tried to make that work. 

I wish Navient can be investigated further regarding my account
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the accuracy of the following item ( s ) on my credit report, which I obtained on XX/XX/XXXX. 

[ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
I believe that the above information is inaccurate and/or incomplete. These accounts have been paid off. And should not be on my report. 
Under the Fair Credit Reporting Act, I am requesting that you investigate the disputed item ( s ) and remove or correct any inaccurate information. Please provide me with a written copy of the results of your investigation. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

CapitalOne offers a referral program, where if you provide a referral link to a friend, and they are successfully able to open up a credit card with Capital One, the referrer is awarded { {$100.00} }. In XX/XX/2022, I referred a friend, XXXX XXXX, to open up a CapitalOne XXXX card via a personal referral link generated by CapitalOne. However, I never received the stated bonus. Last month, I tried calling CapitalOne customer service about this issue to obtain more information, but they simply told me to wait and when i called back again to get the credit added the rep claimed i did not use the link. XXXX has had access to his card for quite some time and I still have not received my credit.
Product: Debt collection

I sent a certified letter and XXXX by regular mail requesting information on this debt. I also asked for proof of their authority to collect this debt and their license and bonding required to collect debts in Florida from a Florida  resident.. The return receipt shows they received the letter on XX/XX/2023. 

XX/XX/202XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX  XXXX RE : Collection on my Credit File Account Number : XXXX Amount : {$500.00} Account Number : XXXX Amount : {$1700.00} The {$500.00} collection was removed ; the {$1700.00} remains and no response from the collection agency. 

Since I never received anything about this debt, I sent a second letter stating I had no knowledge of this account or debt, never was at the hospital and asked them to remove it. No response since through XXXX. I also called XXXX and was put on hold and disconnected.
Product: Credit reporting or other personal consumer reports

I am writing to formally address the ongoing issue concerning the removal of fraudulent items from my account. This communication marks my several attempt to resolve this matter, which continues to cause significant inconvenience and financial detriment. I have complied with all necessary procedures, submitting comprehensive documentation to substantiate my claims. Despite these efforts, the fraudulent charges remain unresolved on my account, adversely affecting my financial stability and confidence in your institution 's ability to protect my interests. The persistence of these fraudulent items not only misrepresents my financial history but also poses an ongoing security risk. XXXX and decisive action is required to rectify this situation. Failure to address this issue promptly will necessitate further escalation, including seeking intervention from regulatory bodies to ensure compliance and protection of consumer rights. Please help me remove these items immediately : XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX CT XXXX XXXX XXXX TX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$540.00} XXXX XXXX ( Original Creditor XXXX TEXAS XXXX XXXX ) XXXX XXXX XXXX {$950.00} XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX Original XXXX : XXXX XXXX XXXX ) XXXX Balance : {$540.00} XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX CT XXXX XXXX XXXX TX XXXX.
Product: Credit reporting or other personal consumer reports

The credit bureaus stated XXXX XXXX XXXX balance XXXX dollars was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate and the date last reported is no accurate .This is grounds for removal. They violated my rights under 15 U.S.C 1681 SECTION 604 A SECTION 2. The law clearly states a consumer reporting agency can not furnish a account without my written instructions, i havent given these accounts written permission to furnish these accounts on my credit report because i have been disputing that this is not my debt. It is against my rights to no provide me with valid proof, Experian and XXXX is validating by calling the debt collector and verifying my name and DOB, that is not valid proof, they also have blocked me from seeing the investigation online which is also against my rights. This debt is also showing as open and it is not my debt or do i have a contract with these people. The lawyer is intimidation the credit report agencies and they keep coming back with information was reported accurate, this is a apartment complex that have the ability to sue me in court if this was my debt, this is not a credit card or open loan. There is not eviction on my credit from this place also, so how do i owe anything to this debt collector. XXXX XXXX XXXX has violated my rights by spamming my phone and email and not providing me with the proof i have asked for.
Product: Checking or savings account

On XX/XX/year> i provided the death certificate to the XXXX XXXX and was told they could not assist me that I would have to call XXXX XXXX. 

I called XXXX XXXX and was told they would be sending me a packet to fill out and it would arrive within XXXX days. 

It never arrived I called XXXX XXXX to follow up snd was told that they cancelled the mailing of the packet and I would need to go into the Bank and fill out paperwork. I filled out the paperwork had it notarized, submitted to the bank and was told to call in a month to check the status. 

All other banks closed the XXXX accounts the same day and released the funds. Bank of America is holding the funds with no valid explanation. I would like to be compensated for every day they have delayed payment of funds. It has now been XXXX month and they still have not sent the XXXX XXXX as requested and will not release the funds at the XXXX level.
Product: Credit reporting or other personal consumer reports

This company is furnishing reinserted information to my consumer credit profile.
Product: Credit reporting

On my credit report it has an address listed that I have never lived nor have I ever been to that state. And another case where I have a misdemeanor under my name. My wallet was stolen from me in 2007, please give me some advice as to how can I remove this from my report.
Product: Mortgage

I received a notice dated XX/XX/XXXX to please provide insurance information for my condo/house. The notice claims that their records show that my homeowner 's hazard insurance expired, and they do not have evidence that I have obtained new coverage. I submitted my Certificate of Property Insurance on XX/XX/XXXX to https : //www.rpmservicing.com/insurance/ as directed by the notice, after I received it from my HOA. This insurance policy EFF is XX/XX/XXXX to XX/XX/XXXX. I have additional XXXX condominium unit owners insurance on record that is effective from XX/XX/XXXX to XX/XX/XXXX that the mortgage company required I purchase. I received a 2nd notice dated XX/XX/XXXX with a second and final notice to provide insurance information. This notice says the insurance that the mortgage will buy will cost an estimated {$31000.00} annually, which is about 1/3 the principle I own on the mortgage. I called XXXX to confirm they have received my insurance information and to ask for a confirmation letter/email be sent that I will not be charged for {$31000.00} annually for homeowner 's insurance which I already own. They did not process my certificate of liability insurance and would not provide an email, letter, or case number for confirmation that the mortgage company has received the evidence and that they could not buy additional insurance on my behalf for {$31000.00} annually.
Product: Credit card or prepaid card

I ordered some items by mail on or around XX/XX/2018 with my XXXX store card. I received an alert with the XXXX credit Bureau that an hard inquiry had been made against my credit. The evine card had large credit limit and was open in good standing. I don't know why they felt they had to check my credit. I would of preferred that they contact me or not honor the order if there was going to be a problem. I called and spoke with an unknown representative about a week later and was assured that the inquiry was going to be removed to no avail. I would just like the inquiry be taken off since I already had the card. There was no need to place an hard inquiry against my credit.
Product: Credit reporting or other personal consumer reports

As such, under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general : If, 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Alabama XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute several items on my credit report that I believe are inaccurate or in error. My personal information, as well as several accounts, have been reported incorrectly, and I believe that these errors are having a negative impact on my credit score. 

The account number and previous addresses reported on my credit report are incorrect. The previous address listed is not my address, and the account number does not correspond to any account that I have ever had. 

Inquiries from XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, and XXXX have reached the statute of limitations and should be removed from my credit report. 

The XXXX XXXX XXXX account listed on my credit report ( account number : XXXX ) is not a business that I recognize, and I request that this account be deleted from my credit report. 

The account information for XXXX XXXX ( account number : XXXXXXXX XXXX XXXX XXXX ( account number : XXXX ), XXXX XXXX ( account number : XXXXXXXX XXXX XXXX  ( account number : XXXX ), and XXXX  ( account number : XXXX ) is questionable, and I request that this information be clarified or deleted from my credit report. 

XXXX XXXX XXXX XXXX account ( account number : XXXX ) is another business that I can not recognize, and I request that this account be deleted from my credit report. 

I believe that these errors are in violation of the Fair Credit Reporting Act, which requires that credit reporting agencies ensure the accuracy and completeness of the information on credit reports. I request that these errors be corrected as soon as possible, and that you provide me with written confirmation of the corrections made. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Product: Consumer Loan

I have a current loan open with Total Finance out of XXXX. I am having some issues as far as harassing and extremely demeaning treatment from multiple representatives there. And every time I have tried to speak with someone in management I have been hung up on. My XXXX is not very good, and I am thinking that maybe that is why I am being spoken to that way. Today XX/XX/2015 I called to place my son on as POA, so that he could better understand them so we could clear up any further issue they may have, which I will explain their current issue in a moment. Instead of being helpful, my son was yelled at and ridiculed as if he was not smart enough to handle the matter. I am now beginning to have anxiety about the treatment and with no manager to ever get on the phone, I do n't know who to turn to. 

As for the issue they are having, of course I keep a current loan with them, and I do fall behind from time to time. I have been paying for over XXXX months, and yes I have been late several times, but my intention is to pay always on time. My issue is that they are calling my sister and mother with the same type of harassing demeaning approach. Please I need help on what to do.
Product: Credit reporting, credit repair services, or other personal consumer reports

AS OF XXXX XXXX XXXX Ive noticed fraudulent accounts and inquiries 
ACCOUNT NAME :XXXX XXXX  
BALANCE UPDATED :XXXX XXXX XXXX
ACCOUNT NUMBER : XXXX
DATE OPENED 
DATE : -
CLOSED : XXXX XXXX XXXX
STATUS: INCLUDED IN BANKRUPTCY
COMPANY CONTACT 
Contact info
Address
XXXX XXXX XXXX XXXX XXXX XXXX  UT XXXX
Phone number XXXX XXXX
Product: Debt collection

Esser James and Associates, LLC is attempting to collect a credit card debt. This company has my current address and phone number. Despite having this information, they are contacting my mother, sister, and uncle and leaving messages " that I have pending legal matter '' and need my attorney to call them right away to resolve the complaint. 
When I contacted the collection agency, I was told by an agent and a supervisor that they had every right to call third parties. There are NUMEROUS complaints on the web about this company calling and leaving messages about " pending legal matters '' with family and friends. Esser James and Associates must be held accountable for violations of the FDCPA.
Product: Mortgage

I purchased my property in XXXX, WA that I had my mortgage with United Wholesale Mortgage closed on XX/XX/XXXX. My monthly mortgage payment was {$990.00} and I've been making payments on time every month. I never skipped or missed any payment. I had my payment automatically paid online every month on time for {$990.00}. I did not get any notification until I checked my credit report online showing my credit scores has been decrease from XXXX to XXXX due to UWM been negatively reported that I was late for XXXX and XX/XX/XXXX and I was charged {$45.00} every month for late fees even though I've been paying on time during covid pandemic. I've been on the forbearance so they should not have reported as late or charged me any late fees. 
I contacted UWM to have them remove any late fee and remove negative reporting on my credit but they've ignored my request.
Product: Credit reporting or other personal consumer reports

This complaint is filed pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) to request that the Consumer Financial Protection Bureau ( CFPB ) assist in the removal of fraudulent accounts appearing on my credit report. These accounts were opened as a result of identity theft and contain inaccurate and false information. The fraudulent accounts are as follows : XXXX XXXX XXXX XXXXXXXX Balance : {$6300.00} XXXX XXXX Balance : {$120.00} These accounts have resulted in fraudulent credit reporting and collections on my consumer credit report. I demand that these fraudulent items be removed immediately and that all related collection activities cease in accordance with my rights under the FCRA and FDCPA.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX at XXXX I accidently paid " XXXX XXXX '' {$150.00}. After completing the payment I realized I paid XXXX XXXX instead of XXXX XXXX ( who I have a history of paying several times prior to this transaction ). I immediately sent a request to XXXX XXXX explaining the situation and asking for the money back. She never responded or returned the money so I called Chime to help me return my money. After verifying that I had never paid Sonia Martinez before and that she was not in KY contacts Chime opened a dispute and explained it could take XXXX business days for the investigation and that a credit would be issued to my account. After one day I received an email from Chime stating the dispute was closed and the transaction was determined to not be done in error. I have screen shots of all of the transactions and proof I do not know XXXX XXXX and had never paid her on Chime before.
Product: Credit reporting or other personal consumer reports

Initial complaint was filed on XX/XX/year> Complaint # XXXX All XXXX credit bureaus are still reporting an incorrect balance after submitting paper work from XXXX and hasn't updated the new balance. The credit bureaus are reporting XXXX times what I is owed when my total balance is only {$55000.00}. My next step is legal action as the investigation has been well over 30 days and has drastically impaired my credit profile.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my follow-up endeavor to inform you that I am a victim of Identity Theft, The items I am challenging do not affiliate with or have a transaction with me. Please block the items that are erroneous in my credit report : XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  Balance : {$16000.00} XXXX XXXX XXXX XXXX Balance : {$17000.00} The addresses stated above are not my home address, the accounts are inaccurate and fraudulent. Im seeking Litigation. Please delete the items at once.
Product: Credit reporting or other personal consumer reports

I am writing to request assistance with multiple inaccuracies on my credit report that have adversely impacted my credit standing. Despite my efforts to resolve these issues directly with both creditors and credit reporting agencies, I have not received a satisfactory resolution. These inaccuracies include erroneous information regarding account details, duplicated accounts, outdated collection entries, incorrect open or closed account statuses, and unauthorized inquiries, all of which create a misleading portrayal of my creditworthiness. I kindly ask the CFPB to require the involved parties to correct, delete, or update the disputed information on my credit report in line with the Fair Credit Reporting Act ( FCRA ), so that my credit report can reflect my accurate financial history. I am attaching supporting documents and I look forward to your assistance in resolving this matter promptly. Thank you for your attention to this request. 

Charge Off XXXX XXXX XXXX XXXX XXXX {$1500.00} Late Payment XXXX XXXX XXXX - {$30000.00} XXXX XXXX - XXXX - {$0.00} Bankruptcy XXXX  XXXX Bankruptcy - XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. 
CHAPTERXXXXBANKRUPTCYDISMISSED CHAPTERXXXXBANKRUPTCYDISCHARGED