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

XXXX credit card company has reported my account late and also have the incorrect balance. I disputed fraudulent charges in XXXX and spoke with several different reps over at XXXX. All they say is we will note your account. The original representative I spoke with took all information for the dispute, which was a charge for {$100.00}. I also informed her to close my account. They have not mailed me anything about the dispute, nor provided me a with a status. I want this account deleted from all 3 major credit bureaus because this balance is incorrect due to fraudulent charges.
Product: Credit reporting or other personal consumer reports

I Disputed a Collection Account that was Reported on my Credit Profile. I have sent in Multiple Disputes & have yet to get a Removal or Response. The Account that was Reported is not Mine and I would like for the Credit Bureaus to Remove it. Once this is removed can you please have them to send me a Updated Credit Report. Thanks.
Product: Credit reporting or other personal consumer reports

There was a credit bureau beach and my information got exposed.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$17000.00}
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX TRANSUNION was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports
Product: Credit card or prepaid card

I ordered 3 {$200.00} visa gift cards from XXXX on XX/XX/2022. I received the brown envelope ripped open on XX/XX/2022. All the gift cards were stolen during the transit. I immediately notified XXXX on the incident and was given case XXXX. They told me they would cancel the order and issue refund. On XX/XX/2022, my refund was declined.
Product: Credit card or prepaid card

I have a loan with WELLS FARGO late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and WELLS FARGO with no successful resolution. XXXX, XXXX and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late XXXX - XX/XX/2018.
Product: Debt collection

This is on my credit report for {$530.00}. I am a victim of identity theft. I only saw this on my credit report. I have disputed this item.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of identity theft. I recently reviewed my credit report to find request for information but this is all Fraudulent request. I have not applied to any of these places.
Product: Credit reporting or other personal consumer reports

NARRATIVE After reviewing my credit report in XXXX| noticed several unfamiliar accounts and a large loan I hadn't applied for. At first, I thought it was a mistake, but after contacting XXXX XXXX XXXX, the truth hit someone had stolen my identity. The thief had used my personal information to open credit cards and rack up thousands in debt. I felt violated and overwhelmed, facing months of sorting through fraud claims and trying to repair my damaged credit. What seemed like a routine check turned into a nightmare of nancial recovery and stolen trust. Finally accounts were removed except this One in particular XXXX credit card, in the amount of XXXX dollars Account Number : XXXX thief created an falsified email, home address, phone number and also made payments to legitimizer the XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

some one stole my identity and i reported to the credit agencies and they did not reply
Product: Credit reporting

I have repeatedly disputed XXXX XXXX XXXX XXXX tradelines that have appeared on my credit report for years as not my account. I have requested XXXX to investigate and verify directly and successfully sued them twice for violations of FDCPA ; each time XXXX paying me {$1000.00} for the violation but they continue to report these tradelines. XXXX has continually refused to remove and has confirmed they have XXXX documentation supporting these are my accounts but rather only that these accounts are on their books. I have served the credit reporting agencies written and online disputes and they continue to allow XXXX to report these fraudulent accounts.
Product: Credit card or prepaid card

I called in on XXXX XXXX, 2017 prior to the payment being due to request for the minimum payment to be removed due to natural disaster hurricane XXXX in Florida. The specialist told me my zip code was not showing as an impacted area. I advised them it was declared on fema.gov website it was and was told to call back in two weeks. I was forced to make a payment that I needed for food and gas. I'm also wanting to see if I can get a temporary credit line increase for the natural disaster relief act.
Product: Debt collection

PROCOLLECT is attempting to collect on a fraudulent debt that I do not owe nor authorized. I have never done business with this company and just the fact that they have access to my private and personal information without my consent is causing me great mental anquish. I have NEVER agreed to or transacted to do any business with PROCOLLECT or any of its affiliates and my identity has been comprised and I will seek relief if not rectified and deleted immediately. This reporting is fraudulent and a violation of my rights under FCRA, FDCPA and my right to privacy.
Product: Checking or savings account

- In the XXXX week of XX/XX/XXXX I replaced my debit card with my Wells Fargo Bank. Card I did not receive. 
- XXXX weeks later, I received a text, It was a notice from my bank that I had declined a transaction because I did not have sufficient funds beyond the required minimum. On XX/XX/XXXX I realized that my entire savings of almost {$8000.00} had been stolen. They just printed out the statement and told me to file a fraud report over the phone. 
- After that, I called to suspend my card and file a fraud claim # XXXX. Of course, they denied my fraud claim. I spent days and hours calling to different numbers to get an explanation or asking for a process to follow in order to get my money back. I have been only getting excuses and not being able to speak with someone that wants to help me, they always keep telling me, someone is going to call you to your phone number ( Never received a call ). 
- The explanations for denying my fraud claim are mainly someone activated my card with a correct pin, and the transactions were realized in the area where I live. 
- I filed a police report # XXXX on XX/XX/XXXX reporting the situation, that someone stole my card and took all my money. 
- Then by my own, I find out that my mail has been manipulated, not sure if there is someone in the property where I live. I also present a claim with them XXXX. And that someone activated my card on XX/XX/XXXX in an XXXX in XXXX / XXXX XXXX XXXX XXXX XXXX, California XXXX United States ( XXXX XXXX XXXX. 
-In the middle of this situation, I tested positive for XXXX, not being able to work, with no money and nobody helping me. And also, they are charging me extra fees for no having enough money in my bank account. 
- The last update to my case was on XX/XX/XXXX, I went to the bank where my debit card was activated in order to get the videos of the person, or a detailed investigation to probe that It was not me and that I need my money back. I also present a Service Claim # XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  has failed to remove or reinvestigatebthe bankruptcy information they claimed they verified through Lexis Nexis. I have disputed this information 3 times with XXXX. After my first reinvestagation XXXX  stated in writing that they verified these bankruptcies ( public records ) as accurate. I have letters from the courts verifying they never verified anything with any CRA period. I also have a letter from Lexis Nexis stating they could not verify the bankruptcy information and that it was also removed from their records. Lexis Nexis stared they filed disputes with each CRA however the inaccurate info is still reporting on my XXXX credit report.
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention some concerning information on my credit report. Upon reviewing my recent credit report, I discovered several accounts that I did not authorize or open. These unauthorized accounts are negatively impacting my credit score and financial well-being. I request your assistance in investigating and resolving this matter promptly. 

Below are the details of the unauthorized accounts : XXXX ( XXXXXXXX XXXX ) XXXX XXXX XXXX XXXX I declare that I did not apply for, authorize, or have any knowledge of the existence of these accounts. It appears that my identity may have been compromised, and fraudulent activity has occurred in my name. I have taken immediate steps to secure my personal information and have also filed a report with the FTC. 

I kindly request that you conduct a thorough investigation into these unauthorized accounts and remove them from my credit report as soon as possible in accordance with the FCRA guidelines.
Product: Credit reporting or other personal consumer reports

Last year my husband and I were in Loss Mitigation due to loss of job and unexpected medical illness. The company gave us the option to defer 5 payments but continuously reported our account to the credit bureau as late. We were told that when an account goes into loss mitigation or forbearance that the reporting is stopped. That didnt happen. They deferred our payments until XXXX XXXX  and should have reported it in forbearance. On XX/XX/year>, Freedom Mortgage reported our account as 120 days past due when in fact it was current. When I asked them to update this they told me they would have to research it and get back to me. They never got back to me and the account status still reflects XXXX past due. We have had continuous trouble with this company as they added their own mortgage insurance onto our account without notifying us and 4 years later we found out because we needed a roof replacement. XXXX forbid something would have happened to our home. We would have had nothing because of the carelessness of this company. Now they are telling us that we have to pay more on our mortgage because of an escrow balance even though we purchased our own homeowners insurance and sent them proof. They are not only paying our current homeowners insurance premium to XXXX XXXX but they have refused to remove their mortgage placed insurance resulting in our mortgage going up {$400.00} a month. They continuously send people to our home to take pictures without notifying us. They have been the most difficult mortgage company that we have ever dealt with. They are very uncooperative and unorganized. Most of the time when we call them they have no clue whats going on with our account and never follow up on anything. They have done detrimental damage to our credit.
Product: Checking or savings account

I was looking at offers to switch banks and therefore open a new checking account for the first time in years if not a decade. I came across an offer from Chase that had a {$300.00} sign up bonus for a Total Checking Account when the requirements of direct deposits were met. I signed up for it and set everything up for direct deposit at work. However, I wanted to confirm with Chase the offer so I contact them to have it on writing and of course, Chase being Chase, they stated the offer was for {$200.00}. What bothers me is not the {$100.00} difference but the way this company acts. I'm trying to establish a new relationship with you, I'm signing up for a promotion you have, and then you do what you want? What kind of banking am I to expect? As a proof here 's the link to the offer, and I'll be attaching a PDF. 

https : //accounts.chase.comXXXX XXXX XXXXXXXX
Product: Debt collection

XXXX XXXX XXXX is trying to collect on an alleged debt that is reporting on my credit report by Gm Financial as a profit and loss writeoff but is showing a balance of {$2700.00}. I have requested debt Validation and it was not properly validated by XXXX XXXX XXXXXXXX. I also disputed with all 3 credit bureaus and it cameback as verified. However, when I requested Method of Verification I received nothing. I would like for Gm Financial and XXXX XXXX XXXXXXXX to stop trying to collect on this alleged debt and to remove it from my report and all 3 credit bureaus.
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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  has violated my rights. Or list of inquiries 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

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

Dear CFPB, I hope this message finds you well. I am writing to file a formal complaint regarding a large deposit I made at a JPMorgan Chase branch on XX/XX/year>. I was initially informed that the funds would be available by Wednesday, XX/XX/year>, but I have now been told that they will not be available until Wednesday, XX/XX/year>. This extended delay has caused significant and unexpected challenges for me. 

Details of the Issue : Deposit Date : XX/XX/year> Expected Availability Date ( as communicated ) : XX/XX/year> Revised Availability Date ( as communicated ) : XX/XX/year> Over the past week, I have visited the branch three times to seek assistance and clarification. Unfortunately, I have not received a satisfactory explanation or resolution. 

Regulatory Concerns : Under Regulation CC, banks are required to make at least {$5500.00} of a large deposit available within two business days unless specific exceptions apply. If such an exception has been applied in this case, I request a written explanation detailing the reason for the extended hold. Furthermore, I kindly requested that the remaining {$5300.00} of the deposit be released immediately, as permitted under federal guidelines. 

Supporting Information : Most of the branch staff, have been courteous and professional. However, they have been unable to provide a resolution for the issue. 

Requested Resolution : A written explanation for the extended hold on my deposit. 
Immediate release of the remaining {$5300.00} of the deposit. 
A review of branch communication protocols to ensure customers receive accurate and timely information. 
I have always appreciated the service provided by JPMorgan Chase and hope this matter can be resolved promptly to maintain our positive relationship. 

Thank you for your attention to this matter. Please let me know if additional information is needed. 

Sincerely, XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting 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 use 1681.

XXXX XXXX XXXX XXXX XXXX**** 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 an 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 or any other adverse item of information other than records of convictions of crimes with antedates the report by more than XXXX  years.

15 USC 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 some reasonable cost to believe that the information is inaccurate.
Product: Credit card

Citi ( the Company ) is charging interest rates in 0 % APR period on purchases.

I am requesting the agency to assume jurisdiction ; I want a reimbursement on the interest charged without consent during the 0 % APR period.
Product: Credit reporting or other personal consumer reports

There were fraudulent Negative Accounts added on my Credit Report.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent an identity theft affidavit to XXXX, XXXX, AND XXXX and they have failed me as a federal consumer. According to 15 USC 1681 C-2 ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; PLEASE REMOVE ALL ACCOUNTS LISTED ON LETTERS
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to inform the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

Equifax, XXXX, and XXXX are allowing money XXXX, a collections account from progressive insurance and first tech to keep going back on my credit reports. I've had the money XXXX and first tech items removed in the past and they keep allowing the creditors to report them back on my credit file. I have been the victim of fraud and identity theft. the internal revenue service sent me notice that someone filed fraud tax returns in my name from XXXX so I have been having to deal with this stress as a XXXX veteran. I keep having to provide ftc reports for this and nothing gets done