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

Despite my persistent efforts to address this issue, I would like to follow up about these fraudulent entries persist, adversely impacting my financial standing and creditworthiness. The fraudulent items in question they have been erroneously reported on my credit file. I have attached copies of supporting documents to substantiate my claims and provide proof of the fraudulent nature of these entries. I have undertaken several steps to rectify this issue : I have diligently submitted disputes through your bureau, providing comprehensive explanations and supporting documentation to contest the fraudulent nature of these entries. I have communicated directly with the creditors associated with these fraudulent items, seeking their cooperation in rectifying this matter. Unfortunately, these efforts have not resulted in the removal of these fraudulent entries. I have followed the appropriate channels to dispute these inaccuracies numerous times, yet the fraudulent items persist in my credit file. Kindly help me remove the following items immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXXXXXX XXXX  XXXX Balance : {$260.00} XXXX XXXX XXXX XXXX Balance XXXX {$1500.00} XXXX XXXX & XXXX XXXX Balance : {$0.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance XXXX {$0.00} XXXX  XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$260.00} XXXX XXXX XXXXXXXX XXXX XXXX {$380.00} XXXX XXXX & XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX : {$0.00} XXXXXXXX XXXX  XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX Balance : {$260.00} XXXXXXXX XXXX XXXX Balance : {$380.00} XXXX XXXXXXXX XXXX XXXX Balance : {$13000.00} XXXX XXXX & XXXX XXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX.
Product: Credit reporting

After checking my credit reports I saw that my credit scores had dropped and saw that I had XXXX collection accounts ( from XXXX and XXXX, PA ) that were added. I had never heard from this company before, never got anything mail or phone calls from this company before it was placed on my credit reports. So I sent them a request to validate the alleged accounts ( on XXXX/XXXX/2015 by fax to XXXX ) but never heard back from them within the 30 days required by the LAW. So on XXXX XXXX, 2015 I sent them another requesting that they delete the accounts from my credit reports since they did n't respond within the 30 days as the law required. As of today they continue to report these accounts on my credit reports. I 've contact the original creditor who is listed on my credit reports and they did n't have any information about the XXXX alleged accounts. They continue to report these alleged accounts to the CRA 's in violation of the FCRA, FCBA because I was never sent any notices before they reported these alleged accounts on my Credit Reports. These accounts have been deleted from my credit reports and keep getting sold to other companies after its removed from my credit reports. The alleged account is in violation of Pursuant XXXX. FOUR-YEAR LIMITATIONS PERIOD. These accounts were deleted and continue to be resold and placed back on my credit reports ( the companies that had the accounts that were deleted, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ). I sent the collection company a letter to validate the alleged debt and never heard back from them but continue to report that it belongs to me.
Product: Checking or savings account

I noticed there were a total of {$4000.00} of fraudulent charges on my Wells Fargo debit card. Listed below are the 3 charges : XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX It appears my debit card was locked as a result of the transactions, but the money was still taken from the account. Wells Fargo has issued a temporary credit while they investigate the matter, but have offered no solutions yet.
Product: Checking or savings account

I am wiring to complain Chase did not fulfill its promotion agreement with its customer and chase unilaterally doubled its requested deposit period time from 90 days to 180 days. Although Chase bank advertises that whoever opens an account with a deposit of XXXX dollar and keep that XXXX balance for 90 days would receive a XXXX dollar credit in XXXX   XXXX. However, in real practice, chase changed it from 90 days to 180 days. During that 180 days, I received almost 0 % of interest rate for my XXXX deposit at Chase saving account. Chase unilaterally doubled its requested deposit period time which costs loss on my other potential investment opportunity. 
Because of Chase internal system and departments communication and connection issues, as a client I had to spend tons of my personal time to visit, emails and calls to sort out the internal issue in chase. That caused a lot of stress, energy and my time loss. 
Chase doubled the requested time unilaterally caused me loss other potential investment income thus chase needs to compensate me for the another bonus credit. 
Chases practice also caused me tremendous stress and time loss which chase also needs to compensate me. 
As an individual I dont have the finance and legal resource as chase who is a big corporation does. However, it is not fair for chase to take advantage of individual client who dont have such a resource as chase and to punish client because of chases own internal issue. 
I am here to ask Chase to compensate me for {$1000.00} as above loss which I did not count any compensation for my stress and time loss. 
Thank you for your attention to the issue. 
XXXX XXXX
Product: Money transfer, virtual currency, or money service

XX/XX/19 About a week ago on XX/XX/19 to find a replacement radiator for a XXXX XXXX XXXX XXXX. I went on Advance Auto Parts Website. I put in the information They said I needed a P-30 replacement radiator Part XXXX. Shipping was free and the part was to be about {$110.00}. Never got a bill or credit card receipt. This item showed up last Monday, several days early. Turned out to be the wrong radiator. Had to remove old one, take it to Bend to be repaired and it still isn't done. I contacted Advance Auto Parts by phone, email, and I still had no RMA. It cost me {$66.00} cents to return this wrong part to Advance Auto and I still have no response regarding refunding my money, This appears to be a scam to send wrong parts, then play shipping & return games. I have numerous emails from them and they never supplied a RMA for the wrong parts sent and received when they told me to order a certain part? It is sad to look up the part, order it, receive it, it is wrong, call them and more excuses?
Product: Credit reporting or other personal consumer reports

From XX/XX/XXXX to XX/XX/XXXX, I reached out to Equifax, XXXX, and XXXX, asking them to investigate Account Name : XXXX XXXX, Account Number:XXXX. They claim to have done their due diligence with their investigation, but there are still multiple inaccuracies across all three consumer reporting agencies ( Equifax, XXXX, and XXXX ). These inaccuracies are highly injurious to my credit report and my credit score. In accordance with 15 USC 1681e : Compliance procedures subsection B " Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. XXXX XXXX has closed date listed as XX/XX/XXXX, and XXXX XXXX  reported that I made on time payments on XX/XX/XXXX and XX/XX/XXXX across all the consumer reporting agencies. This information is misleading and inaccurate and has affected me from getting credit from various lenders.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sending this information to you because I found many accounts open under my name this fraudulent accounts are fraudulent accounts.
Product: Debt collection

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Since then, Portfolio constantly calls me multiple plus times daily with different numbers each time which I block. Holidays and early and late... I can't take it any longer.
Product: Credit reporting or other personal consumer reports

Transunion XXXX XXXX XXXX XXXX, PA XXXX RE : Error in some of my accounts I have received a recent credit report from your organization. After evaluating the various records, it can be clear that the following accounts appear with no regard for accuracy as needed by the Fair Credit Reporting Act. 

Creditor Information : XXXX Account ID : XX/XX/XXXX Amount : XXXX  Description : I genuinely understand that the date is not accurate for this inquiry and that is why I can't admit it as legal. So please correct that or if it can't be corrected, please cut it completely this minute.

I'm truly worried about the consequences of this error because I'm in the procedure of asking for a loan.

I am requesting for these inaccuracies to be corrected as soon as possible, per my rights under the Fair Credit Reporting Act ( FCRA ) & Metro 2 guidelines.

As per the FCRA, you are required to conduct an appropriate investigation if a consumer disputes information on their credit report. Moreover, Metro 2 guidelines set forth that the data furnishers must report accurate, complete, and timely information to the credit bureaus.

Furthermore, should you be unable to verify these items ' accuracy, Metro 2 guidelines & FCRA require you to delete them from my credit file promptly.

I kindly request that you investigate the following discrepancies : 1. *Section 609 : * - I assert my right to obtain a copy of my credit report. Please provide a free copy at your earliest convenience.

2. *Section 611 : * - I am disputing inaccuracies in my credit report. Under Section 611, I request a thorough investigation into the disputed items to ensure the accuracy of the information.

3. *Section 605 : * - I want to highlight that negative information on my credit report should adhere to the permissible reporting duration outlined in Section 605. Please review and ensure compliance.

4. *Section 623 : * - According to Section 623, I expect furnishers of information to diligently investigate the disputed items. I urge you to work with them to resolve these discrepancies promptly.

I regardfully demand some instrument that bears my signature on this account or the items must be deleted from your report during the next 30 days.

Under federal law, you've thirty ( 30 ) days to complete your investigation. Also, be advised that the description of the process utilised to ascertain the accuracy and completeness of the details is hereby requested also, to be provided within fifteen ( 15 ) days of the completion of your investigation.
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am filing a complaint against XXXX, Experian, and XXXX regarding inaccurate and unauthorized information on my credit report. Despite my attempts to resolve these issues directly with the credit bureaus, the errors remain and are negatively impacting my credit score. 

Details of Disputed Items : XXXX. Company Name : AXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : Unauthorized inquiry, duplicate account, incorrect balance, wrong account status Requested Action : Remove the inquiry, correct balance, update account status to closed 2. Company Name : XXXX, Experian, and XXXX Issue : Account marked as open when it should be closed, incorrect late payment reporting Requested Action : Correct account status, remove inaccurate late payment Why This Needs to Be Corrected : These accounts are reporting inaccurately and do not reflect my true credit history. 
I have not authorized some of these inquiries, and they should be removed. 
The information is causing unnecessary harm to my credit score and financial well-being. 

Request for Investigation : Under the Fair Credit Reporting Act ( FCRA ), the credit bureaus are required to investigate and verify the accuracy of the disputed items within 30 days. If they can not verify the accuracy, they must remove or correct the disputed items. 

I request that the CFPB ensures the credit bureaus properly investigate and resolve these issues. Please provide me with a written response confirming the actions taken. 

Thank you for your time and assistance. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX
Product: Debt collection

On  XXXX   XXXX ,  XXXX ,  XXXX  Asset Recovery Associate s Inc. ( ARA ) conta cted me, and informed me I had to pay a {$1200.00} debt for an old  XXXX   XXXX  card. I told them that it had been settled around   XXXX - XXXX  but  they insisted I would have to pay to avoid legal repercussions. Specifically a derogatory mark on my credit history to start. I explained again that the debt, which had gone into default in  XXXX , was settled and whatever paperwork I had from it was no longer on file since it was past statute of limitations for keeping it. I asked what legal claim they had to be asking for the money, and why they had n't sent me anything in the mail, to which she replied they were not obligated to do such. If I wanted they would send me paperwork on the settlement if I agreed to pay 10 % of the total debt so they could send me an overnight package containing the information I wanted. This {$120.00} dollars would also stave off any legal action. I received a package the following day which contained a receipt for the {$120.00}, a paper stating I had to pay {$1200.00} by  XXXX   XXXX  or suffer derogatory credit reports, and a self-addressed stamped envelope to mail said payment in with. The first {$120.00} was not removed from my alleged debt, and there was no validation notice, affidavit, or any other legally binding proof that I owed the debt, again. On  XXXX   XXXX , they contacted me again to make sure I 'd gotten the package, and to verify I was going to send more money to which I replied that I was not sending any more, I wanted my initial payment back, and that I was not obligated to give them any money. She told me I would have my wages garnished, and they 'd take me to court if need be. I hung up. After talking to my local bank manager I got copies of all my credit reports, which the debt in question was not on any of them, and he suggested I call ARA and request they refund my money, and cease any more actions over this fraudulent collection, when I mentioned the lack of a validation notice or paperwork explaining my rights under the Federal Credit Bureau and that they were trying to claim an already paid debt she hung up on me. I attempted again on the  XXXX  of  XXXX , and the associate said she 'd put in a request and promptly hung up on me again.
Product: Credit reporting, credit repair services, or other personal consumer reports

LexisNexis has been negligent, harmful and careless causing harm to this victim. 
LexisNexis was negligent and careless when it reported untrue, inaccurate derogatory information to an insurance company causing astronomical premium rate increases. The negligent reporting by LexisNexis has caused irreparable harm to me, the victim. 

The false derogatory information provided to XXXX XXXX is identified as Reason code XXXX on attachment 1 falsely, with negligence reporting negative public records, delinquencies or collections Attachments ( 3 ) are Summary Credit Reports supporting my " Excellent '' Credit record with no public records, delinquencies or collections
Product: Credit reporting, credit repair services, or other personal consumer reports

Im resubmitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report.

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX, MD  XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, MD XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, MD XXXX ; STUDENT LOAN XXXXXXXX XXXX Balance : {$25000.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX Balance : {$1900.00} XXXX XXXX XXXX  XXXX XXXX Balance : {$0.00} ; XXXX XXXX  XXXX Balance : {$0.00} XXXX STUDENT LOAN XXXX XXXX XXXX : {$31000.00} XXXX STUDENT LOAN XXXX XXXX Balance : {$44000.00} XXXX XXXX  XX/XX/2021. 


According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within XXXX  days of your investigation, these accounts and the related information must be removed from my credit report.

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Am rents currently reports on my credit report as eviction. I put my eviction in Bankruptcy in XXXX and it should have been clear when my Bankruptcy XXXX in XXXX. It is still reporting when I apply for a property
Product: Mortgage

This complaint is for Ocwen Loan Servicing. 
I contacted XXXX XXXX and XXXX today, XXXX XXXX 2016 at XXXX regarding our Note and Deed of Trust. I explained to XXXX XXXX XXXX that fraud has occurred with our Note/Deed of Trust and that both our Note and Deed of Trust has Nevada XXXX XXXX XXXX XXXX XXXX XXXX XXXX on each document. Each page of the Note and Deed of Trust has what appears to be a loan number at the bottom left side, which is XXXX. XXXX and XXXX XXXX could not find anything within their systems pertaining to a loan. XXXX stated ; call your servicer and ask them the following questions. 
1st, please provide the investor loan number for our Note/Deed of Trust. XXXX stated that everyone has an investor number! 
2nd, why does our Note and Deed of Trust have the following information? ( NEVADA Single Family-XXXX/XXXX XXXX ) 3rd, if you do not know why XXXX XXXX XXXX is on our Note and Deed of Trust, we request that Ocwen Loan Servicing completes a full investigation and provide us a response! 
4th, when we requested in the past for a copy of our Note and Deed of Trust, we expected a certified copy and not a notarized copy or a copy of a copy which is very clear from the stamp at the top right corner that these documents are copies of copies. 
Why did Ocwen provide us a copy from a copy of our Note and Deed of Trust? We 've been trying to verify that the servicer has the original documents. Without the original Note and Deed of Trust, Ocwen MERS and XXXX Bank can not enforce the copies of our Note and Deed of Trust! 
5th, please provide a certified copy from your state recorder 's office of our original Note and our original Deed of Trust! NOTE, in order to get a certified copy from your state recorders office, you must have the original documents! 
Enclosed is a copy, of a copy of our Note and Deed of Trust that you provided us in the past. Please review the bottom left corner along with the top right corner. We request that your company answer our questions in detail and provide documentation. Please do not have XXXX XXXX from the Ombudsman Office respond to this complaint? If she does, more complaint will be filed since she failed in the past to respond accurately to our complaints. 
Failure to answer our questions must result in action taken against Ocwen but not limited to the following ; investigation from a federal agency, fines being imposed, loss of business license, court order, criminal charges filed, incarceration, lawsuit, compensation for damages, mental anguish and emotional distress.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a 30 day late payment on XX/XX/2017 on my credit report. XXXX XXXX XXXX ACCOUNT # XXXX.The information is incorrect .I was never late.
Product: Credit card or prepaid card

I've received targeted offers for the Amex Delta Card for at least 12 months. I finally decided the apply. I have a fraud alert on my credit report, so I was approved after they verified my identity. The promotional terms included XXXX bonus miles after spending XXXX in the first six months, a {$0.00} intro annual fee for the first year, then {$99.00}. 

Within the past month, I was charged a {$250.00} annual fee. On my first contact attempt with AMEX, I was informed the issue would be resolved, and it wasn't. During my second contact, I was told I was approved for a platinum card, not the gold one I applied for. I was offered no resolution other than to reapply. However, the offer I used has since expired.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have dispute with Experian and XXXX  multiple times the validity of the public record information they have been reporting For TX BKPT XXXX and TX BKPT XXXXXXXX. On XX/XX/21 I sent certified letter # XXXX XXXX XXXX XXXX XXXX ( USPS Tracking # ) to Experian and requested under FCRA 611 ( a ) ( 7 ) for a description of all validation methods for the above referenced public record information that is showing on my credit file. I have ONE bankruptcy and that is XXXX. I filed disputes with XXXX XXXX and as a result, they removed the information. The information shown in XXXX  is not mine. XXXX is reporting incorrect information about me. My phone # is tied to people who are not me! I sent the same request to XXXX ( XXXX XXXX XXXX XXXX XXXX postal tracking # ) on XXXXXX/XX/21 and I have not gotten a response.
Product: Checking or savings account

Hello, I would like to request assistance in overdraft fees in my account ending in XXXX. I contacted the bank to see if the fees could be waived. I attempted to transfer the funds using my cell phone using my phone. I was not aware that there was a issue and the funds were not transferred from XXXX.