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

On XXXX/2020, I received an email from XXXX XXXX XXXX, XXXX XXXX that stated that they had a data breach, my account was deactivated, please destroy the card, and a new one would be issued. ( see copy of email attached ) In spite of this notice, I made a payment that was posted on XXXX/2020 and another on XXXX/2020. ( see statements attached XXXX However, XXXX XXXX XXXX NEVER sent me a new card in spite of them receiving payment 13 days after the date of this email. In XX/XX/ 2020,  my credit report alerted me that I had a XXXX status on my credit report for this account. ( Note : I had never been late prior to then or thereafter. I still have this account. ) When I contacted the creditor, they stated that my card wasn't issued automatically because I had a late payment. It was confusing since the notice of breach via email and a payment was within 13 days of each other. Finally, on XXXX/2020, I received the new card that the email stated that I would receive automatically. 
I have disputed this information several times through the credit bureau. I have even filed a XXXX XXXX. XXXX see their response attached, which had some discreptancies ) The creditor refused to assume any responsibility for THEIR data breach, lack of communication on current account numbers and reissuance of cards and THEIR ADMINISTRATIVE ERRORS and how this has affected my credit. I am now trying to purchase a home and this ONE LATE PAYMENT is hurting me badly. It has been over a year and I need it off ASAP. 
All documents proving these statements are attached. 
I am making this final attempt before pursuing legal matters stating how their errors is damaging my future.
Product: Credit reporting or other personal consumer reports

I sent a certified letter to transunion on XX/XX/2024 to correct inaccuracies that I found on my credit report. I asked them to verify the accounts that were showing inaccuracies and fix the errors. I was sent back a revised credit report according to them that stated that the accounts that I had issues with were validated and updated. When I pulled my credit report those accounts were still showing several inaccuracies. 
XXXXXXXX XXXX XXXX XXXXXXXX Account is showing differently on all 3 credit bureaus, account is showing that it is a charge off and still has an open balance. This account is showing positive payment history on XXXX and no payment history on transunion. 

XXXX XXXXXXXX XXXX # XXXX Account is showing different on all three credit bureaus. 
Account is showing on XXXX positive payment history and no payment history on transunion The account is showing that it is a charged off account but still has an active balance Account is showing different date last active on all three credit bureaus XXXX XXXX account # XXXX Account is reporting different on all three credit bureaus Date last active is reporting different on all 3 credit bureaus Account is showing different payment history on all three credit bureaus Account is showing that it I'd charged off but has positive payment history in payment history XXXX XXXX Account # XXXX Account is reporting different on XXXX The account says it's charged off but has an active balance The account has different last date active on XXXX XXXX XXXX Account # XXXX Account says it's charged off but has an active balance. Does not have a payment history to correspond payment history XXXX XXXX Account XXXX XXXX Account is charged off but has an active balance Account has no payment history According to the fair credit act all accounts on my report should be reporting accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

After being told by my mortgage lender that my Equifax report is blocked I began on the journey to fix the issue. Fast forward 2 months later I am still not able to have my lender pull my credit file even after following instructions of Equifax.  I have faxed Equifax personal information on 2 separate occasions, XX/XX/XXXX & XX/XX/2019.  Equifax will not give me any information about my file or why this is happening. I am very frustrated and upset because this might make me lose the home that I am set to purchase.
Product: Credit reporting or other personal consumer reports

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 
XXXX XXXX Balance : {$6600.00} XXXX XXXX Balance : {$4400.00} XXXX XXXXXXXX Balance : {$6300.00} XXXX XXXXXXXX Balance : {$6400.00} XXXX XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

I pulled my reports and seen some fraudulent hard inquires on then and I need it removed immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filled numerous complaints with XXXX and XXXX and XXXX yet all of them have different information. I have cleared up 3 issues which 1 was a fraudulent issue one was a prior complaint I sent to you because I couldnt get them to resolve it and another was my sister was a user on a card a passed
Product: Debt collection

I am writing to dispute fraudulent information that has been reported on my credit file. I recently reviewed my credit report and found several accounts that I did not open or authorize. This indicates that my identity may have been stolen, and fraudulent activity is taking place using my personal information. 

The following accounts were not opened or authorized by me : # 1 PORTFOLIO RECOVERY Last reported XX/XX/2023 {$870.00} # 2 XXXX XXXX XXXX Last reported XX/XX/2023 {$320.00} # 3 XXXX XXXX XXXX Last reported XX/XX/2023 {$110.00} I did not apply for any of the above accounts and have no knowledge of them. This indicates that someone has obtained my personal information and used it for fraudulent purposes. 

I am requesting that these accounts be immediately removed from my credit report, and that all related charges and fees be removed as well. I am also requesting that you investigate this matter further to determine the source of the fraudulent activity and take appropriate action to prevent it from happening again. 

Please provide me with a written confirmation of the outcome of your investigation, and any actions taken to correct the fraudulent activity. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX Regenerate response
Product: Credit reporting

I want this false debt to be removed or proved that it is mine. 

This is my rebuttal to the response from ALL XXXX credit Bureaus as well as XXXX XXXX. The information XXXX XXXX provided me as proof that Accountis my account, is the exact same information that all XXXX of the Credit Bureaus provided. 

I need LEGIT proof that the account is my account. Not just my " personal information '', that I, myself, provided to XXXX XXXX and to all XXXX credit agencies. 
What XXXX XXXX did, was send me back a general response in which they hope I will drop this and not continue to fight for proof. I have every right to request legitimate documents to prove this account is mine, as payment records with my signature and bank payments and so on. I am challenging XXXX and ALL XXXX Credit Bureaus verification methods. 

I have the right to see what proof, if any, that XXXX XXXX has to show that this account is mine. Any XXXX person can provide an new or old phone number, my address and so on. Half of that information is found on line for free. especially since I offered all of this information on my XXXX letter. 

I am requesting that ALL XXXX credit agencies provide me with something more accurate and legitimate to prove XXXX XXXX is my account. For example ... the original contract and a record of the last payments that were made, how they were made and when they were made. The dates this was reported on is not a long time ago, so XXXX XXXX should be able to furnish this information since I am completely sure this XXXX XXXX accounts is not mine. 
I am requesting a formal validation of this account ; I am entitled to request the following:1. Proof that you either own or were assigned the deb t from the creditor2. Proof that you have the right to collect this debt in the state of California3. Proof that your company carries a bond4. Proof on how your company assessed the outstanding debt5. Payment history from the original creditors ( must provide source of payment ) 6. Copy of the original contact bearing my signature. 

XXXX as well as ALL XXXX credit agencies are not complying with FDCPADOB : XXXX/XXXX/XXXXAccount Name : XXXX XXXXOriginal Creditor : XXXX XXXXAccount number : XXXXDate Open : XXXX/XXXX/XXXXLast Updated : None ShownReported Since : XXXX/XXXX/XXXXStatus : PAYS AS AGREEDCredit Limit : $ XXXXAddress : XXXX. XXXX XXXX XXXX NV XXXXXXXXAmount Due : $ XXXXLast XXXX of SS # XXXX
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to, XXXX XXXX debt bondage, which falls under trafficking according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -51002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within four business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of debt bondage and would like for all listed accounts to be blocked and deleted company information XXXX. Please delete the following accounts. 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: Credit reporting, credit repair services, or other personal consumer reports

Capital One Bank is reporting a 30 day late on my credit file. Due to unforeseen circumstances surrounding the pandemic I was severely impacted financially. This was truly out of my hands as my hours were cut and I was unable to find another source of income. I am asking that you please remove this late from my credit file as it has has a big impact on my scores .I also paid this as soon as possible trying to avoid this late notation on my credit. As a long time customer I am asking for this one time courtesy.
Product: Credit card

I have had a Best Buy Visa since early XXXX I have used it to make several large purchases and pay them off through promotional payment plans ( pay off in x months for XXXX interest ). Although this is a Best Buy Visa, I have used these promotions to pay large purchases outside of Best Buy. In XXXX of XXXX XXXX, I made a purchase and they did not honor the promotional payment plan. When I called to find out why the purchase wasn't added to a promotional plan, I was told my card was changed to a different kind of card. I had received a new card in the mail, but when I received it in the mail, I just thought the old one must have expired. There was no information about any policy changes with the t new card. 

I made a couple purchases last year that went on promotional plans. I recently noticed that my payments are not going towards my promotional balances. The only option I could find online to address this was an option to request that all payments above the minimum be applied to my promotional balance. I went ahead and selected this option until I had to call and find out what was going on. 

I called today and was told that my payments go to my minimum payment first and then anything over goes to my promotional payment. When I explained that I have paid several promotional balances off and my payment has always gone to my promotional balance first, she just kept repeating that the payment goes to the minimum balance first and refused to acknowledge any change in policy. When I asked why no payments above the minimum have been applied to my promotional balances, she said because I just recently selected the option to have my payments above the minimum applied to promotional balances. Again, I have paid off SEVERAL promotional balances and have never once had to go in and select that I wanted any portion of my payment to go to the balance. It has always been applied to the promotional balance first. Of course anyone who uses a promotional plan to avoid interest wants to pay off that balance first. I was never made aware of any of these policy changes.
Product: Credit reporting, credit repair services, or other personal consumer reports

Your Name Your Address Your Phone Number Credit Bureau Credit Bureau Address Date RE : Request for Investigation of Credit Inquiry Dear Sir or Maam, I reviewed my credit report from Experian and noticed that the report has credit inquiries that I did not authorize or are from a business credit request that should not reflect on my personal credit according to consumer law and the FCRA. 
XXXX XXXX XXXX  -Business inquiry Inquired on XX/XX/XXXX XXXX XXXXXXXX-Business inquiry. 
Inquired on XX/XX/XXXX XXXX XXXX  Business inquiry Inquired on XX/XX/XXXX XXXX XXXX-Business inquiry Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX request you to investigate and remove the inquiries as soon as possible. In case you come across evidence that counters my claim, I request you to please send me a copy. 

Thank you for your diligence in looking into this issue. 

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

I am writing to request your assistance in resolving a credit-related issue that I have encountered. I have made several attempts to rectify the situation directly with the creditors and credit reporting agencies involved, but my efforts have been unsuccessful thus far. 

Fraudulent Credit inquiries 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 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: Credit card

I was a discover card holder as of 2013. During my entire card membershipwith the company, I was never late with my monthly payments, always stayedunder my credit line, and never charged my credit card for any purposesother than making a legitimate purchase. 

This was my first credit card that established my credit history as of 2013. 
About XXXX weeks ago, without any warning and notice in advance, the companyclosed my account and thereby wiped out my 2 years of credit historyassociated with Discover card. I contacted the company and demanded for ananswer. Other than the excuse that " we are no longer able to meet yourservicing needs, '' the company never gave me a forthcoming response. 

Upon the discussion I had with other cardholders and information I learnedfrom the internet, I have a reasonable belief that the closing was XXXX a large number of cardholders with a particular racial and ethnicbackground ( more specifically, XXXX XXXX without a just ground. Ibelieve that CFPB is or will be getting more similar complaints in the nearfuture. 

I respectfully urge the CFPB to take this matter seriously and to look intothis case. We consumers are powerless to protect ourselves fromdiscriminatory actions like this. But if the closing was indeed motivatedby racial bias, the company 's action has to be put in an end. 

Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with The Fair Credit Reporting Act XXXX  account # XXXX XXXX XXXX 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 consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

Subject : Request for Investigation and Removal of Inaccurate Credit Report Information Dear Sir/Madam , I am writing to formally dispute and request the removal of inaccurate information reported on my credit file by X1 / XXXX XXXX XXXX The information in question is adversely affecting my credit score and does not accurately reflect my credit history. 
For over four months, X1 / XXXX XXXX has been inaccurately reporting that my account is 30 days past due. This is not true and is a violation of the Fair Credit Reporting Act ( FCRA ). My payment due date is the XXXX of every month. However, if I do not make the payment by the XXXX and the date reaches the XXXX or XXXX, X1 / XXXX XXXX automatically reports my account as 30 days past due. This is against the FCRA, which stipulates that an account should be reported as 30 days past due only if it is indeed 30 days past due. For instance, for my account to be accurately reported as 30 days past due, it should be XX/XX/XXXX or XX/XX/XXXX. 
They reported a no payment on XX/XX/year> which is not true They reported also 30 days late for XX/XX/year> ( which is also not true, because Im not yet 30 days late my payment date is on the XXXX but they reported as 30 days past on XX/XX/XXXX and XX/XX/XXXX to all 3 bureaus ) technically I should be 30 days late by XX/XX/XXXX or XXXX. 
And they been reporting like that since more than 4 months now false information on my credit profile. 
This erroneous reporting is severely damaging my credit score. It is essential to highlight that under the FCRA, credit reporting agencies are required to ensure maximum possible accuracy of the information included in consumer credit reports. The continuous inaccurate reporting by X1 / XXXX XXXX not only violates the FCRA but also causes undue harm to my creditworthiness. 
I have attached copies of the following documents to support my claim : List of documents such as payment records like Bank Statement ( for XX/XX/year> ) CFPB complaint ( which has been transferred to The Federal Reserve Board ) Screenshots from XXXX App My ID to confirm my identity. 
In light of the above, I request that you investigate this matter, verify the information ask X1 / XXXX XXXX what my payment date is? which is the XXXX so you will understand that they always report false information on my credit profile, and subsequently remove the inaccurate delinquency from my credit report. This correction will help in ensuring that my credit report reflects accurate and fair information. 
Another complaint has been sent to XXXX XXXX XXXX Maryland Attorney General. 
I would appreciate a prompt resolution to this issue and look forward to your response confirming that the necessary corrections have been made. 

Thank you for your attention to this urgent matter. 
Sincerely,
Product: Debt collection

Chase had my Mortgage loan I got behind on my loan JP Morgan started foreclosure proceedings at the same time I also received papers stating I had a new servicer. I began working a modification with the new servicer while I was doing that Chase was still moving forward with the foreclosure I contacted Chase again they claimed they were not moving forward with the foreclosure yet all the legal papers clearly state JP MORGAN CHASE. I contacted the new servicer asked them they inquired whose name was on the legal documents and said that it was not them it was whomever was on the legal papers. I have letters from JP Morgan Chase stating they withdrew the foreclosure I have letters stating that they have no interest in my home yet they still move forward with the foreclosure So I dont even know who I am supposed to be working out the modification with because as I do Chase is still foreclosing I missed conferences because they told me to disregard any notices i received with JP Morgan Chase on them because they were not moving forward with anything. I HAVE TO APPEAR ON XX/XX/XXXX 2017 AGAIN TO STOP THE SALE OF MY HOME THIS HAS BEEN A NIGHTMARE AND CHASE THE ATTORNEYS COULD CARE LESS
Product: Credit reporting or other personal consumer reports

XXXX XXXX put a collection on my credit report when in fact Ive never opened or had an account with them. They said the account was opened in XXXX of 2024 and thats not true. The original account was opened with XXXX XXXX and has since been closed and wrote off as prophet and loss and I asked for the 1099 form and I havent received that as of yet, I would like this collection company to be removed off of my credit report as soon as possible.
Product: Credit card or prepaid card

My credit card issuer, Wells Fargo Bank, assessed with an APR interest rate hike beginning in my XXXX of 2016 from a 9.490 % to a 28.740 %. This rate hike was a direct result of their Call Center staff incorrectly setting up an auto-payment which was to continue for 3 months while I was traveling internationally. <P/>In working with my the local Wells Fargo Banking Representative, a member of their XXXX XXXX XXXX XXXX XXXX XXXX and a member of their Small Business Lending Operations staff they corrected problem with three additional, but unrelated, accounts. <P/>I 've attempted to follow up for several months ( and have supporting documentation to include statements and emails if necessary ) regarding the status of this specific account but never received any resolution or a complete response. In contacting them today to follow up with this issue they insisted that " they '' did, in fact, correct the issue but the account was delinquent. I informed them that I received no such notification and I then I proceeded to go through each invoice and read the interest rate and fee reversals to demonstrate the requests were incomplete. After that the representative informed me that they were not able to provide an alternative and advised me to contact the VP for the XXXX XXXX XXXX XXXX ( XXXX XXXX ) but unfortunately I have yet to see any resolution.
Product: Money transfer, virtual currency, or money service

The transaction was not recognized by me, and I noticed it while reviewing my account balance/activity. 
Amount : XXXX Description : The transaction description was something I didnt recognize, which raised immediate concerns about possible unauthorized activity.I immediately contacted my bank 's customer service for assistance. I explained that an unknown transaction had occurred, and I asked for clarification regarding its details. I was asked to verify my identity and provide specific details such as the date, amount, and transaction reference number. I requested a freeze on my Zelle account or my linked bank account to prevent further unauthorized transactions while the issue was being investigated. 
In addition, I reviewed other recent transactions to ensure there were no other suspicious activities.The customer service team initiated an investigation into the unknown transaction. They confirmed that the transaction was indeed processed via Zelle, but further details on the recipient were not readily available. 
I was advised that Zelle payments are typically instantaneous, which made it more difficult to reverse the transaction or retrieve the funds quickly. 
The bank also provided me with a timeframe ( usually within XXXX business days ) during which they would conduct a full review of the situation.
Product: Debt collection

XXXX. has been in contact with the creditor, XXXX XXXX, and is under contract for payments on my behalf through XXXX. I have verbally requested that the creditor stop calling me but the representate stated that the calls will continue. The bank personnel is refusing to stop calling me, XXXX to XXXX  times per week, about the past due balance that XXXX XXXX XXXX has taken the responsibility to bring to a current status in the coming months. The XXXX XXXX  has agreed to accept payments and participate in this federally funded program.