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

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX SS # : XXXX Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute several negative items on my credit report. I have reviewed my credit report and have found several accounts that I do not recognize and believe are erroneous. I would like to request your assistance in investigating these accounts and having them removed from my credit report. 

XXXX XXXX Account Number : XXXX I have no recollection of this account and do not believe it belongs to me. Please remove this account from my credit report. 

XXXX XXXX XXXX - Account Number : XXXX I am unsure if this account belongs to me as I do not recognize the business name. Please investigate and remove this account if it does not belong to me. 

XXXX XXXXXXXX - Account Number : XXXX I am unsure if this account belongs to me as I do not recognize the business name. Please investigate and remove this account if it does not belong to me. 

XXXX XXXX XXXX  - Account Number : XXXX I am unsure if this account belongs to me as I do not recognize the business name. Please investigate and remove this account if it does not belong to me. 

XXXX XXXX - Account Number : XXXX The account name and number appear questionable to me. Please provide clarification on this information or remove this account from my credit report. 

XXXX - Account Number : XXXX The account name and number appear questionable to me. Please provide clarification on this information or remove this account from my credit report. 

XXXXXXXX XXXX XXXX  XXXX Account Number : XXXX The account name and number appear questionable to me. Please provide clarification on this information or remove this account from my credit report. 

XXXX - Account Number : XXXX The account name and number appear questionable to me. Please provide clarification on this information or remove this account from my credit report. 

XXXX XXXX - Account Number : XXXX The account name and number appear questionable to me. Please provide clarification on this information or remove this account from my credit report. 

XXXX XXXX - Account Number : XXXX The account name and number appear questionable to me. Please provide clarification on this information or remove this account from my credit report. 

XXXX XXXXXXXX XXXX  - Date of inquiry : XX/XX/XXXX The inquiries have reached the statute of limitations and should be removed from my credit report. 

I kindly request that you investigate these accounts and remove them from my credit report if they are found to be erroneous. Thank you for your assistance in this matter. 

Sincerely, XXXX XXXX
Product: Debt collection

I respectfully would be honored to bring forth the mentioning complaint number and case number # XXXX which has been once filed with the Consumer Financial Protection Bureau on XXXX XXXX, 2016 at XXXX XXXX. Truly whereas today I am having the very same problem with Capital One Bank, and their banking practices that remains the same as before, and I had once more would like this said bureau to respond according to the complaint at hand because one year later the same issue exist the calling, the lettering, but yet their management team did not respond to my hopes and wishes to correct the problem within the following months from my original submission of informative concerns towards these unfortunate issues at hand then, and now!
Product: Credit reporting or other personal consumer reports

I do not recognize these credit inquiries and I have asked for them to be removed and the Bureaus did not do as you asked. I'm providing an identity theft report, I am requesting them to be removed because they are inaccurate and not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously disputed information on my credit report that don't belong to me I asked for a investigation and I was not given and I information about my investigation beginning or ending. I contacted this company to see if my investigation was processed this company denied ever receiving my disputed so I contacted a attorney I ask for legal advise I was advised to file a police report and a report with FTC and we came up with a plan of things to do before I file a lawsuit so I'm making a complaint because I don't want this to happen to someone else that is seeking justice for a crime that was committed against me.
Product: Credit card or prepaid card

Trying to buy my daughter a bed from XXXX XXXX XXXX while its on sale. Capital one has the money on my card on hold even though XXXX may refunded it. I disputed it after it didnt show In 10 days and it refunded the next day. Theres no reason I shouldnt be able to use my card.
Product: Credit reporting, credit repair services, or other personal consumer reports

Two collections accounts on my report have been resolved and requested to be removec by the creditors. Experian is the only bureau that has refused to remove these accounts. I disputed these accounts and a bankruptcy not belonging to me, I also requested sources used by Experian in the investigation process be provided. Experian has provided nothing, Experian supposedly verified these accounts as accurate, which is untrue they are not, and they remain on my report. Had Experian actually performed these disputes in accordance with the FCRA they would have found that the creditors had already requested these 2 specific items be removed and Experian just did not do so. Also, they would have removed the inaccurate bankruptcy as all other reporting bureaus have already done. I would have been provided with investigation sources as well as required by Federal Law and the FCRA. Experian is in violation of Federal Law frequently and has been fined multiple times for their practices. I do not believe Experian is in compliance with the FCRA as I know they fraudulently claim to investigate disputes which they do not do.
Product: Credit reporting, credit repair services, or other personal consumer reports

How are you doing during this pandemic? Hoping that youre safe and sound. Listen, I was shocked when I reviewed my credit report today and found a late payment in XX/XX/2016 for 30 days late on account ending in XXXX. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report and as You can see on my report all of my other payments was on time. Please delete that late payment off my credit report or provide me with proves that the payment was made late on XX/XX/2016 as my bank record show it was made in time.
Product: Credit reporting or other personal consumer reports

This is one of my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following accounts : XXXX  XXXX XXXX  XXXX XXXX. Please remove this account ASAP.
Product: Money transfer, virtual currency, or money service

Hello, I would like to submit an official complaint against XXXX XXXX XXXX . 



I have been a victim of fraudulent activity as Wise did not put in the right controls to verify fraudulent activities to prevent fraudulent transactions from occurring. I request that Wise reimburse my money ASAP as this is unacceptable as financial institution that should be doing proper know your customer checks. 



I made a purchase for a handbag for USD {$4700.00} on XXXX XX/XX/2022 and paid this amount to a fake account that was set up on Wise. I was provided these details by the sellers wife who told me this was her husband. The Wise account details the seller gave me is as follows : XXXX XXXX XXXX : XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX : XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX : XXXX I then proceeded to make a transfer to this account as the above details were verified and approved by Wise as a legitimate account so I did not see any issues with the transaction. It is XXXX  policy that a form of identity MUST be attached to the persons account for security and verification purposes and knowing this information, it gave me confidence that I was moving forward with a legitimate transaction to a legitimate source. 

On XXXX XXXX I discovered that this was a fake account created by a fake person that I had sent money to. This was verified by the real wife who advised me that her husband IS NOT called XXXX XXXX and that her REAL HUSBANDS name is XXXX XXXX who DOES NOT have a Wise account. I raised a case via their website with Wise on XXXX XX/XX/2022 and also called to raise a case on XXXX XXXX but have not received any updates on my case.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX creditor : XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1692 Section 805 A States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known or which should be known to be inconvenient to the Consumer 15 USC 1692 Section 805 A Section 3 States at the consumers place of employment if the debt collector knows or has reason to know that the consumers employer prohibits the consumer from receiving such communication.

15 USC 1692 Section 806 Section 5 Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number
Product: Money transfer, virtual currency, or money service

My privacy was breached and sensitive information leaked
Product: Credit card or prepaid card

Since XX/XX/XXXX, Chase Cardmember Services has failed to assist me in disputing the following charges with the merchants : XX/XX/XXXX XXXX {$1900.00}, XX/XX/XXXX XXXX XXXX {$1800.00}, XX/XX/XXXX XXXX XXXX {$160.00}, XX/XX/XXXX XXXX XXXX {$180.00}, XX/XX/XXXX XXXX XXXX {$200.00}, XX/XX/XXXX XXXX XXXX {$260.00}, Chase Cardmember Services has also continued to charge my account finance charges while the disputes are in process and obligated me to make minimum payments on the disputed transactions.
Product: Debt collection

A charge off was reported however balance was paid directly to creditor verbal agreement to remove negative trade line information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit report, incorrect information is being reported to my personal credit file. The Credit Reporting Agencies have not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continue to report unverified information without providing any proof required by law. The following information is inaccurate & I never authorized my credit to be accessed. They have failed to provide me with written authorization or remove these inquiries from my credit file. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. 
So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 


This is a violation of both 15 U.S. Code 1681b ( XXXX ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 
I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I've consistently ensured that payments on this account are made on time, avoiding any overdue payments. However, I'm puzzled by reports of late payment remarks on my accounts. According to 15 USC 1666b - Billing Error, corrections should be made.
Product: Debt collection

called creditors discount auditors ( XXXX ) to have company commit to and was agreed to combine accounts and i would start to make payments on combined account, they did not do so and reported each account on my credit report as a separate account that is not being paid, no payments have been submitted to the credit report as being paid and no balances have decreased after making payment of over {$480.00} then they started to call me to make payments that i am already making,
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : Items to Dispute : Credit Inquiries : XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Late Payment XXXX XXXX XXXXXX/XX/XXXX {$300000.00} XXXX XXXXXXXX {$0.00} Collection/Charge Off XXXX XXXX XXXX XXXXXX/XX/XXXX {$5500.00} XXXX XXXX XXXXXX/XX/XXXX {$8500.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$8500.00} - Duplicate XXXX XXXX XXXX XX/XX/XXXX {$4200.00} XXXX XXXX XXXX {$7900.00}
Product: Checking or savings account

CHASE HAS LOST ALL MY INVESTMENT ACCOUNT THAT I HAD WITH WASHINGTON MUTUAL AND 401K PLANS AND REFUSES TO GIVE ME MY DAUGHTER SOCIAL WHEN I SHOWED THEM I 'M THE ACCOUNT HOLDER
Product: Credit reporting, credit repair services, or other personal consumer reports

How are you doing? I was shocked today when I reviewed my credit report again and found late payments for my student loan accounts US DEPT ED XXXX. I disputed this account and nothing was sent to me to legally verify the accuracy of this reporting. It continues to report incomplete, inaccurate, and unverifiable information, and therefore, it's impossible that it was investigated and verified Hows it possible that youve reported me 90 days late with no late payments prior to that? Also, wasn't XXXX  student loan servicer was sued for not applying payments to consumers accounts correctly. I was never late and this account needs to be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted this complaint to update this suspicious information. Credit Bureau must validate this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against it. 
XXXX XXXX Balance Owed : {$0.00}.
Product: Credit card or prepaid card

I have been a loyal Chase customer with not only banking, but multiple credit cards. I have always made my payments on time and have not asked for financial assistance during these COVID times. I also make bigger payments toward my balances at times to bring my available credit up to help my debit ratio. I am very disturbed to see my credit limits DECREASED after making on time payments on my accounts. I assume reason is that balances are too high compared to loan amounts and/or balance on bank cards are too high which is contradicting, as when I make payments, I am doing that to lower my balance and open my available credit to help my credit score. Now my decreasing my available credit, this is hurting me and doing exactly what you are lowering my score for. I am getting penalized for using my credit cards when needed, even though I make my payments. I will never win or get my score up If you are lowing my available credit. I have been a loyal customer with no late payments and continue to pay my cards, I am not a threat or risk of defaulting and do not deserve for my credit limits to be decreased especially when I am making payments to increased my credit score, not lower it which is what this will now do. I kindly ask Chase increased my credit limit back to what I was initially given and not penalize me for using my cards when I need to with the credit limits given initially. I do not feel this is right that they are lowing my credit limits due to balances being to high to credit limit, yet by lowing my limits, I am worse off now then I was prior to them lowing them for credit purposes. this is not right.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently obtained my credit report and noticed a duplicate account that did not belong & I am not aware of the name.
Product: Debt collection

I received a letter ..Representing a Credit Card Company ... 
with Pages to fill out Idenity Theft Affidavit .... I am afraid to call.. 
My credit is in good standing... I have had the police here on receiving a medical bill.. 2 months ago ... ..not mine,,,, XXXX is saying I owe since XX/XX/13 they are threatening me to put in collections I have filed with Federal Trade Commission I XXXX XXXX XXXX FTC Report number XXXX
Product: Credit reporting or other personal consumer reports

I just received a copy of my updated consumer report and I am shocked to still see the inaccurate information still being furnished on my report. This account is duplicated on my report and neither account should be on my report XXXX XXXX XXXX and XXXX XXXX XXXX Both have the same account number these items need to be removed. I have filed a compliant with the CFPB regarding these accounts and XXXX has determined it does not meet FCRA requirements therefore it has been deleted however Transunion and XXXX continue to report this inaccurate information even though they are all govern by the FCRA. 15 USSC 1681s clearly states that it is the duty of the consumer reporting agencies to ensure maximum accuracy when furnishing information.
Product: Credit card or prepaid card

I have a credit card that is linked to Costco. I do not use this credit card, although since it is linked to costco when my memebership fees came due, the credit card was charged. The bank account linked to my credit card I had closed. I had forgotten that this was linked. I had closed the bank account because it was related to a business that I had also closed. The auto payment was returned and the credit card charged me 2 fees for the next billing month of XXXX. I did not receive any mail notification as the address they had on file was incorrect. I have been charged a late fee for the last 5 months, that have now exceeded the cost of the original purchase. The only reason this came to my attention was because of a phone call from the company. I called and they said they could remove 1 late fee. I called back to see if there was anything else they could reverse, and now they transfer me and hang up on me. I was cordial on the phone, but it seems they have somehow " flagged '' me.
Product: Credit reporting, credit repair services, or other personal consumer reports

He said hes from a collection agency and said i owe some debt, he basically put interest in all my assent from my car payment, my mortgage my utilities. Basically everything I own. Now I found out hes been going into my bank account and withdrawing large sums of money. Taking out loans and all of my direct deposits from my irs refunds. And taking out escrows from my house trying to put my mortgage into default with use of authority and extortions.
Product: Mortgage

Mortgage interest rate increased to 6 % from 3 % which increased my mortgage payment from XXXX to XXXX a month. 
I have even trying to work with Fay servicing since XXXX 2021 but they have offered me a deed in lieu ( 3 different times ) after they increased my mortgage payment. 
I am working a second job and reduced my expenses but I am struggling. 
I need some help for a reduced mortgage payment Please help me as I can not sleep as I worry day and night to keep my home. 
Help please!
Product: Debt collection

as a veteran I was given a safety deposit box for free to date I am still billed from Chase I called ; rep said she would take care of today the bill doubled
Product: Student loan

On XX/XX/24 I requested a refund for my paid-in-full loans over the phone with FedLoan for payments I made during the coronavirus pandemic, according to the CARES Act. I was originally told that I would see my balance reinstated in 7-10 business days. I called back a few days later to confirm my refund request had gone through and they updated my wait time for balance reinstatement to 30 days. I understood that they were overwhelmed with requests, so I did not complain. I called back about a week later and they now say it could take up to 6 months to see my balance reinstated. In order to apply for loan forgiveness, I need to submit my application by the end of next year and I am starting to worry that my wait time is increasing exponentially. Furthermore, on my most recent call with FedLoan they lied to me and said they were sure that paid-off loans would not qualify for the one-time loan forgiveness program. The Department of Education clarified a couple of days later that my loan would, in fact, qualify. FedLoan shouldn't be giving information to borrowers unless they are sure about the guidance they are interpreting.