23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

This is an ongoing saga with my CHASE SAPPHIRE Card which was STOLEN FROM. My attorney told me to not pay on this while the police are investigating. I already submitted a police report to Chase. Chase refuses to freeze the card or stop the interest payments and I have hence been paying over {$1000.00} per month for over 1 year. This is unethical and has to STOP. I have been a Chase Customer since I was XXXX XXXX XXXX and have owned this Sapphire card for over a decade. Something needs to be done about this. I have asked them over and over again with ZERO resolve. tHey just sit that and watch that XXXX plus dollar amount in that basically just covers interest. It is obscene.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

In XX/XX/XXXX, I received my first statement from XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) stating my Title XXXX Federal Student Loan was going to be reported delinquent. As a result, I asked Federal Loan Servicer XXXX XXXX to consolidate the Title XXXX Federal Student Loan with my other student loans. On XX/XX/XXXX, my XXXX Title XXXX Federal Student Loan was consolidated to my other XXXX XXXX Federal Student Loans, which are frozen in Federal Unemployment Deferment, as noted in the attachment from XXXX XXXX. However, XXXX reported me as delinquent in XX/XX/XXXX. My XXXX Title XXXX Federal Student Loan is not delinquent in XX/XX/XXXX, since it was consolidated inXX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep frustration and dissatisfaction with the numerous unsuccessful attempts to remove fraudulent items from my credit file. Despite my persistent efforts and multiple communications with your institution, these fraudulent entries persist, causing significant distress and concern. 

I have diligently followed the procedures outlined by your institution and the credit reporting agencies to dispute and request the removal of these fraudulent items. I have provided all necessary documentation, explanations, and evidence to support my case. However, despite my best efforts, the fraudulent items remain unresolved. 

It is extremely disheartening to see that despite my repeated attempts and persistence, the fraudulent items continue to negatively impact my credit file. These fraudulent entries not only affect my credit score but also raise concerns about potential identity theft or fraudulent activity. 

I have made numerous calls, sent multiple letters, and engaged in extensive correspondence with your institution and the credit reporting agencies in an effort to escalate the resolution of this matter. However, the lack of progress and the continued presence of fraudulent items on my credit file have left me feeling frustrated and disillusioned. 

As a consumer, I have the right to expect accurate and up-to-date reporting of information on my credit file. The repeated failures to address this issue not only undermine my confidence in your institution 's ability to handle consumer concerns but also reflect poorly on your commitment to customer service and financial integrity. 

I urge you to take immediate and decisive action to rectify this situation. I request that all fraudulent items be promptly and permanently removed from my credit file, and that measures be implemented to prevent any recurrence of such fraudulent activity in the future. 

Furthermore, I expect transparent communication throughout the resolution process, including regular updates on the progress made towards resolving this matter. 

Please consider this letter as a formal complaint regarding the handling of the fraudulent items on my credit file. I am asking for your assisstance to remove these fraud items in my credit file : XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 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

I received a text message that said my account was going to be 30 days late so I tried reaching out to XXXX. I replied to the text message, called the number listed on their site as well as sent messages on XXXX and XXXX. No one ever answered the phone nor called me back. Eventually someone from XXXX responded. During the time when I was trying to contact them I continued to try to get into my account but I was asked to verify my account and submit documents which I did. I was never able to get into the account. Several times I was asked to connect my account, I have all emails and text messages that indicate that my account was connected from my bank. I tried relentlessly to get into my account from XX/XX/XXXX up until I paid it off on XX/XX/22. They finally sent me a XXXX time link to make payment. To this day I have no access to the account. After telling me I was verified and fine they lock me out. I reset my password thinking thats the issue and NOTHING!! I cant get in to make a payment, see my account, or anything.which will reflect negatively on my credit. After several emails with their customer service staff I was finally sent the link to pay it off. A few days later they reported my account was 30 days late to XXXX and Experian. I have never been late. Payment was through auto draft. Someone would email me saying that my account should be ok and that I should log in again. I did everything I was told but still they report late payment do my credit bureaus. This is unacceptable and I want my credit report correct. This was not my fault that their app was not working. I have all emails and text messages do back up my claim. This is unethical and XXXX XXXX should be closed down. This is a very shady company. How can they report me late after I made payment?
Product: Credit reporting, credit repair services, or other personal consumer reports

I want this late payment updated from my account within 15 days, I'm not aware of this, Under USC 1666b. See the documents attached. 
XXXX XXXX XXXX XXXX**************** Date Opened XX/XX/XXXX  Balance {$100.00}
Product: Checking or savings account

Wellsfargo lost my locked box contents. All my fees had been paid.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of certain late payments from my credit report, based on provisions outlined in 15 U.S.C. 1666c of the Credit Card Accountability Responsibility and Disclosure Act of 2009 ( CARD Act ).

According to this section, a creditor can not consider a payment as late unless the information required by 15 U.S.C. 1637 ( b ) was mailed to the consumer not later than 21 days before the due date. I believe that my creditor failed to comply with this requirement, which should invalidate the reported late payments. 

In accordance with this, I request that you investigate this matter and remove any late payments from my credit report that were recorded in violation of this regulation. 

Enclosed, you will find the relevant documentation that supports my claim. I would appreciate it if you could review this information and update my credit report accordingly. Please confirm receipt of this request and provide an update on the status of my dispute. 

Thank you for your attention to this matter.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXXXXXX XXXX Hard inquire was added to my credit report without my knowledge, also another Hard inquire was added to my credit report XX/XX/XXXX which was XXXX XXXX. Highly disappointed that this has taken a toll on my credit and prevents me from making better financial decision, would need this problem resolve and would like to move on financially.
Product: Credit reporting or other personal consumer reports

After a reinvestigation i was told the account in question would be removed from my account. After checking my credit report today XX/XX/year> i realized that experian has once again inserted in accurate information back on to my credit report. This account was charged off on the following date XX/XX/year> as per the credit report and since then the charge off has been updating every month. This is a undate in the payment history. A cahrged off account should NOT include and active payment history. This inaccurate infromation falsely manipulates the satute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account : XXXX XXXX # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been over 60 days since I have not heard back regarding an investigation of inaccurate, unverifiable, and invalidated information. This is a clear violation of the fair credit reporting act.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this CFPB complaint to you today to follow up the previous CFPB Complaint I submitted on XX/XX/XXXX. I previously requested that the Credit Bureaus remove the disputed accounts that are reporting on my Credit File as soon as possible. Once again, I was a victim of identity theft and the Accounts I am disputing were the results of such crime. Under the Fair Credit Reporting Act section 605b, the Credit Reporting Agencies are required to remove the disputed accounts and information from my Credit File. Also, the Credit Bureaus have not yet sent me copies of documents I seek such as the Proof of verification or proof of ownership or any documents bearing my signature. If the Credit Bureaus are not able to remove the disputed accounts on my next Credit Report update without sending me copies of documents I seek, please understand I will initiate legal countermeasures. Once again, please remove the following accounts completely from my Credit File : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

We filed bankruptcy on XX/XX/XXXX, and it was XXXX on XX/XX/XXXX. We recently discovered that the dates were reporting incorrectly on all 3 credit bureaus. XXXX and XXXX fixed theirs easily. However, Equifax has not changed the incorrect information yet and I can not seem to get through to them. I have disputed 4 separate times, on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I have also spoken to them on the phone as well. I have spoken to XXXX XXXX who reports bankruptcy information to Equifax and they say the information is correct on their end and also they have sent a dispute on their end that did not fix the issue either. 

The " filing date '' is correct at XX/XX/XXXX. However, the " current disposition date '' and " date reported '' are incorrect at XX/XX/XXXX. When lenders pull our credit report, it pulls up the XX/XX/XXXX date which makes it look like we just filed bankruptcy instead of almost being 3 years since we filed. This has made it so we were unable to qualify for a new home loan and many other issues.
Product: Credit card

Pay pall credit showing charges that I never made and the items I returned because they damaged and I know that seller issued me a refund, but they not showing on a statement. Also they charged me late fee two days later after I made a payment. I can not see my account number and they ignoring all my emails and letters.
Product: Debt collection

On XX/XX/2023 I contacted Synchrony Bank by phone at ( XXXX ) XXXX and told them I was disputing their account in the amount of {$1400.00} and wanted them to cease and desist contact with me regarding said account. On XX/XX/2023 I sent them a letter requesting the cease and desist in writing. They did not respond and On XX/XX/XXXX I received a bill where they are continuing to try to collect on a debt I am disputing and threatening me with credit damage and increased interest charges. It is harassment for them to be continuing to contact me trying to collect on a disputed debt and I am now reporting them as they do not follow the FDCPA.
Product: Credit reporting or other personal consumer reports

THERE IS A FRAUD BLOCK ON MY EQUIFAX CREDIT REPORT I HAVE CALLED EQUIFAX AND THEY SAY IT IS BECAUSE OF MY DATE OF BIRTH EVEN THOUGH I VERIFIED MY DATE OF BIRTH WITH EQUIFAX AND THEY HAVE IT CORRECT THIS IS PREVENTING ME FROM CHECKING MY CREDIT REPORT AND APPLYING FOR A MORTGAGE. 
THE OTHER XXXX CREDIT BUREAUS, XXXX AND XXXX, I CAN CHECK MY CREDIT REPORT WITH THEM WITH NO PROBLEM AND SO CAN THE MORTGAGE COMPANY. 
I HAVE CALLED EQUIFAX AT LEAST XXXX TIMES OVER THE PAST WEEK TO GET THIS RESOLVED AND IT IS STILL NOT RESOLVED. 
THIS IS PREVENTING ME FROM GETTING A MORTGAGE. 
PLEASE HELP!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of identity theft, and someone used my information to obtain a  Loan  through  XXXX  thru on-line and other services like mobile phones. This started in   XXXX   when my information somehow was compromised during a data breach or similar because   XXXX   XXXX   XXXX  , and  XXXX  all sent out warning letters to me. I travel a lot, and during this time I did n't pay attention to my credit report, and now this is affecting everything in my life. I 've processed what is required of me to mend this problem and get it resolved through the proper channels. It 's been over 30 days and still no resolution from my last set of documents.
Product: Student loan

I am part of the automatic settlement case of the XXXX XXXX XXXX  lawsuit against the DOE. They agreed to pay back all money I paid on the student loans associated with XXXX XXXX XXXX. So far I have received a small portion of the refund I'm supposed to receive. The repayment was supposed to be completed by XXXX. Each time I call Nelnet, I get a different response. I get responses like, " this is all you are getting '', " it takes time to process '', " I don't have that information and will need to request that information from a different department ''. It's like a new case each time. The CSR says they will look into it and call me back. They do not. The one time they did call back it came in as an unknown number I didn't answer and when I called back, I got the same regular run around. I have asked for the notes on my account showing what has been done on my case and what they are doing to rectify my issue. They said they don't do that. I have a record from them of the amounts I paid on the loans. They know how much I've paid and they have had plenty of time to send this information to the DOE for repayment processing. I do not think they know what they are doing which is why I want all the notes so I can track what has been done or not done. They continue to give me the runaround saying that DOE tells them what money I'm owed which is the opposite of what the DOE indicates. I want the repayment I am owned.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud pursuant to Section 605B of Fair Credit Reporting Act. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

In accordance with the Fair Reporting act 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 a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

I submitted a request to remove information from my credit profile that was not authorized to be shared on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of accounts below have violated has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681. 

Account Name : # XXXX Account Name : # XXXX Account Name : # XXXX Account Name : # XXXX XXXX5 U.S.C. 1681b ( a ) ( 2 ) : 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 ; 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 ) Section states : A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List or accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 

XXXX XXXX XXXX. XX/XX/XXXX XXXX XXXX. XX/XX/XXXX XXXX XXXX. XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX  XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX. XX/XX/XXXX 15 USC 1681 Section 602A states that I have a right to privacy.

15 U.S.C 1681 Section 604 A Section 2 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 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, credit repair services, or other personal consumer reports

pay pale i tried calling. I dont use pay pale at all. 
I see and inquiry that I didn't do and would like it removed thanks
Product: Debt collection

I had no notification that this debt was in collection. I got no communication from this company. No phone calls messages or letters in the mail. My rights to dispute were violated and this went straight to my credit report. I am 100 % disputing this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want this late payments deleted from my accounts within 15 days, these are not mine, I'm not aware of these, Under USC 1666b. See the documents attached. XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXXXXXX. Please repair and update these accounts immediately.
Product: Debt collection

I CHECKED MY REPORT AND THIS AUTO LOAN IS ON IT, WHICH I HAVE NO KNOWLEDGE OF.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

[ Identify item ( s ) resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc. ] Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

The following inquiries and accounts are unauthorized or inaccurate, and I ask that you delete them at once...

NOTE ... Inquires and accounts please delete XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I was checking my credit history and found over 30 inquires that were not authorized by me nor did I revive any service from these companies. 

Under the Fair Credit Reporting Act ( FCRA ), only inquiries authorized by me or initiated for permissible purposes should appear on my credit report. If these inquiries were not authorized or initiated through legitimate means, they must be removed.
Product: Credit reporting or other personal consumer reports

Equifax inquiry : XXXX XXXX : XXXX. XXXX XXXX XXXX : XXXX