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

On My Equifax Credit Report seems to be a few things that have not come off that they had agreed to take off The following addresses I am not associated with : XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX, ME XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Employment info is also incorrect XXXX XXXX XXXX XXXX i do not work at I am with a company called XXXX I am just looking for those addresses to be updated and the employment info updated. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX   XXXX   XXXX , I am disputing this eviction because it is wrongfully placed on my credit.   I have been staying in the home with my father for some months, and we have the same name ( I am a  XXXX   ). F or some reason there was an eviction placed on my credit report and I have no legal ties to the home.
Product: Debt collection

An entity known as " XXXX '' says that I owe them {$780.00}. I had never heard of " XXXX '' before the threatening emails trying to collect money from me. I do not have an account with XXXX. I have never applied for an account with XXXX. I have no idea as to who XXXX may be. They are ruining my otherwise stellar credit rating over a debt that I do not owe. After receiving several absurd emails saying that I owe them a debt, I called them. Two different times ( XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> ). I called XXXX and they demanded my personal information. I refused to give my personal information to such people. They were completely uncooperative. 

This is starting to look a lot like extortion. Ruin someone's credit rating if they refuse to pay an amount they do not owe. I plan to file a complaint with any governmental authorities needed.
Product: Mortgage

Chase Mortgage has been carrying my loan with a missed payment from XXXX XXXX. I did miss a payment, but I made the payment on XXXX/XXXX/XXXX when I realized a payment was missing. I had no knowledge because I was in bankruptcy. I called numerous times to inquire which payment was missed. Finally, after speaking to various customer service representatives, I was told it was the XXXX XXXX payment. I then submitted a letter with copies of all the cancelled checks with an explanation as to what month it covered. As you can see check # XXXX sent on XXXX/XXXX/XXXX was for the missed XXXX XXXX payment. I even wrote it on the check. Chase did n't apply the payment even thou they sent me a letter stating the payment was applied to XXXX XXXX payment. Please note that on XXXX XXXX, XXXX, I sent in a payment, check # XXXX, for the XXXX payment. Chase refuses to bring my account current and to reverse all late payment fees and to rectify my current standing with the credit bureaus. Also please note that Chase sent me an escrow refund check for {$400.00}. Chase informed me that I mailed in a payment of {$1700.00} which was the payment due in XXXX. In XXXX the payment was {$2100.00}. Now according to their letter dated XXXX XXXX, XXXX, they were unable to backdate my XXXX XXXX payment. If this is the case, ( and I do n't agree with this ) I should only owe them {$410.00} which is the difference between my XXXX XXXX payment of {$1700.00} and my XXXX/XXXX/XXXX payment of {$2100.00}. Yet they sent me back a refund check from escrow for {$400.00}. Chase continues to harass me for {$1900.00} which includes late fees for {$240.00}. How is it possible that I made the missing payment and I still owe them {$1900.00}. Their explanation clearly shows that they took my payment and diverted the funds to somewhere. I want Chase to be held accountable for my payment made in XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is Disappointing! I have been disputing with the Credit  reporting Agencies for the removal of the Fraudulent accounts and information that are still reporting on my Credit File despite the multiple dispute letters and CFPB complaints I have been sending to the Credit Reporting Agencies. Five ( 5 ) months have passed and it seems like the Credit Reporting Agencies have been doing nothing! I have consulted my legal counsel and they are willing to help me file a federal case against the Credit reporting agencies for their willful negligence and incompetence with my Credit File. I have been informing the Credit Reporting Agencies that I have been a victim of identity theft and that the disputed items were the result of such crimes therefore I never have a legally binding contract with the disputed items. However, the Credit Reporting Agencies have claimed that the disputed items belong to me and that the Data furnishers verified the accuracy of the disputed items but I never received anything in response or any proof of verification or proof of ownership. Under the Fair Credit Reporting Act, I am requesting that the Credit reporting Agencies remove the following items completely from my Credit file before my legal aide finished their deliberation. I need the following items removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or prepaid card

Dear CFPB : This is a complaint against  Citibank for its hyper-aggressive marketing practices. Several months ago, when I applied for and was accepted for a Citibank credit card, I certainly did not expect the company would soon bombard with weekly direct mail ( not e-mail, but U.S. postal mail ) marketing offers. I want this to stop for a number of reasonsranging from junk mail cluttering my mailbox, to running the risk someone could steal my mail and open a credit card under my name, to protecting and respecting the environment. But no matter my reason, I seek the CFPBs assistance in helping me to bring Citibank to cease and desi st its out-of-control marketing practices.     See attachment for the most recent exa mple of Citibank 's ma rketing bombardment.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite numerous dispute requests, letters, and identity theft affidavits, I've been unable to resolve this particular matter or issue with XXXX, XXXX, and Equifax in regards to inaccurate and fraudulent information appearing on my credit file. There is an account listed as XXXX on my credit file which displays an address of XXXX XXXX XXXX which is clearly the wrong address upon recent research. Another account by the name of XXXX XXXX does not show a date opened nor has XXXX XXXX  ever provided any HIPPA Release Documentation upon request. A XXXX XXXX XXXX   and XXXX XXXX account which both were opened as a result of identity fraud/theft continues to appear on my credit file despite after the credit bureaus were notified and also denied to block the information upon receiving notification within 4 business days. I believe this a deliberate denial and my consumer rights continue to be violated under the Fair Credit Reporting Act.
Product: Student loan

I had a student loan being serviced by FedLoan Servicing  XXXX   XXXX   XXXX , that was paid in full  XXXX   XXXX ,  XXXX . A " Paid in Full '' notification letter was issued by FedLoan Servicing confirming the account had a {$0.00} balanc e ( n otification letter attached ). Previous to that, the account was paid via direct debit directly from my bank account.     Then, on  XXXX   XXXX ,  XXXX  , ( six  months later ) FedLoan Servicing issued a notification that a balance of {$62.00} existed on the account, and that the account was delinquent since  XXXX   XXXX ,  XXXX   (  delinquency letter attached ). This issue was automatically reported to the credit agencies which dropped my  credit score  from  XXXX   ( excellent )  to  XXXX   ( b ad ) overnigh t. FedLoan Agency ha s acknowledged that this reporting was a mistake, and that the account was not delinquent. I have repeatedly contacte d FedLoan Agency si nce  XXXX   XXXX ,  XXXX  to get them to issue a correction to the credit agencies ; but my score is still at  XXXX  as of  XXXX   XXXX . They are not responsive. They have n't even provided me with documentation of the steps they have made to fix the error, nor even sent me a letter so that I could provide documentation myself to  XXXX ,  XXXX , and  XXXX .     I need  FedLoan Agency to provide me a document stating that my account was not delinquent, that FedLoan Agency issued  the delinquency notice in error, and that the loan is paid in full ; so that I can file directly with  XXXX ,  XXXX ,  XXXX .
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX To : XXXX, XXXX, XXXX, XXXX, Sagestream This IS NOT A DISPUTE : This is a rather a request for a Method Of Verification where the following items should be provided to ensure the validity of the item ( s ).

This is also a Identity Theft Issue.

( Please Provide ) 1. The name of the court representative you spoke with. 2. The Court address and telephone number. 3. The person 's name they verified the dispute with 4. The documentation used to verify the dispute. ( Method Of Verification For ) XXXX XXXX XXXX Mississippi ( XXXX ), Docket No XXXX & XXXX & XXXX ( Method Of Verification For XXXX XXXX XXXX XXXX Mississippi ( XXXX ) Docket # XXXX ( Method Of Verification For ) TX Attorney General Child Support acct # XXXX 15 USC 1681 602 A. States I have the right to privacy.

15USC 1681 Section 604A, Sec A : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 11681c ( a ) ( 5 ) Section States : no consumer agency may make any consumer report containing any of the items of information. any other adverse item of information, other than records of convictions of crimes which antedates more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A persona shall not furnish any information relating to a consumer to any consumer reporting agency person knows or has reasonable cause to believe that the information is inaccurate.

A victim of identity theft, the information listed which appears on my credit report, does not relate to any transactional that I have made. It is the result of identity theft.

This is why I am requesting " A Method Of Validation '', THIS IS NOT A DISPUTE.

I have requested validation several times, and I continue to receive a letter stating verified without the information I'm requesting. I'm simply trying to get to the bottom of this inaccurate information. Attached is a letter from the Courts Of Mississippi that states they are not Furnishers Nor Are They Verifiers, so therefore I am asking who did you verify this information with. I'm producing my letter written directly to me ; so what letter of verification to you have?
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these inquiries. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiries : XXXX XXXX  Date of inquiry : XX/XX/year> XXXX XXXX Date of inquiry : XX/XX/year> XXXX  Date of inquiry : XX/XX/scrub>XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/year>
Product: Debt collection

This account appears to be from XXXX XXXX XXXX I had in XX/XX/2010. 

It is unknown why car insurance company would attempt to file a bad debt as in NO means whatsoever did I request any type or form of credit line from this company. I switched to XXXX in good standing around that period and was not whatsoever carrying any kind of ongoing payment obligation to XXXX. 

More importantly, this account is noted from XX/XX/2010, XXXX is falsifying all reference to this account in effort to collect monies NOT owed. 

This account is causing me financial detriment and I will be filing with the state attorneys office for fraud as well the FTC if not immediately removed and deleted.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

Around XX/XX/2017 an unauthorized transaction hit my Chase checking account in the amount of approximately {$6000.00}. Upon learning of this transaction, I called the bank and was told to go to a branch. I went to a branch, filed a claim, and signed an affidavit stating that I had nothing to do with this transaction. They closed my account and opened a new account for me. They denied my claim stating that my debit card was swiped in front of a Chase Manager who personally knows me. The Chase Manager who personally knows me is my ex-wife 's friend and ex-co-worker. My ex-wife was a Chase Manager for several years and she worked with the Chase Manager who I was later told by Chase Bank was the one who overrode a tax check made out to another person, to be taken out of my checking account, which made my account negative for approximately {$6000.00}. After they denied my claim, they then approved my claim. I sent countless e-mails and spent countless hours on the telephone trying to get this situation cleared up and their end result was to deposit the money into the new account they had opened for me. This is what Chase telephone representatives told me was the correct action and the action that they carried out. I have had only 2 banks ( Washington Mutual which was bought out by Chase ) in my lifetime and I am XXXX years old. I am also a United States XXXX Veteran who completed an 8 year contract with an XXXX XXXX. I have never been arrested and I have no tickets or warrants. I am as clean as they come. I have lost and requested documentation regarding everything I am stating above from Chase and they do not send me any documents that I request. From my personal experience with my ex-wife and her friends/co-workers, I know that fraud was committed on my account. Chase initially told me that my ex-wife 's friend/ex-co-worker committed fraud on my account and after I told them that I was going to seek assistance from CFPB, they changed their tune and just stated to me that all they did was commit multiple errors to my account, which now results in me not having an account and them wanting me to pay them back for them committing fraud and multiple errors to my account. All of this coming out of the blue after being with Washington Mutual and Chase for decades without one single incident. Absolutely ridiculous. Inside Job. Cover up.
Product: Credit reporting or other personal consumer reports

I reached out to Experian, XXXX and XXXX during the months of XXXX, XXXX and XXXX in 2023. They made it increasingly difficult for me to manage my credit report and file. I was seeking to dispute inaccurate items on my report that I noticed. They informed me that my file has to be reviewed by a fraud agent, and when I asked for an explanation, I was not given a sufficient answer.
Product: Checking or savings account

On XX/XX/XXXX, my debit card was photographed without my knowledge. Over the next 3 weeks, my mortgage money was fraudulently removed from my bank account via my card being linked to multiple cash app accounts. 
Since cash app never notified me that a XXXX, XXXX, nor XXXX account had linked to my debit card, i didnt find out till XX/XX/XXXX. At which point nearly {$2600.00} had been stolen. 

Despite being given case numbers to the police reports, Cashapp refused every request for information regarding the accounts used to steal my money. 
Then, XX/XX/XXXX, the neighbor kid was caught with my debit card photos on his XXXX XXXX and his cash app still had my card linked to it. 
I immediately called the police to update the report and then cashapp, but they did not care. 
In fact, they cared so little, that when the kid requested a " refund '' of the {$20.00}, he had sent me 6+ months ago, THEY GAVE IT TO HIM!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not think that an investigation was done because Experian is still reporting a late payment when I have informed them that I was never late. Please remove the late payment on account XXXX XXXX XXXX XXXX. My payments were deferred due to covid. Experian stated that this was verified when I sent proof that it is inaccurate. Please explain how this account was verified. You can not mail me anything because I do not have a permanent mailing address. Please send the documentation via cfpb. If you can not explain how you are reporting this account as such then I will be forced to take legal action due to violation of the FCRA. I am demanding that the late payment in 2020 is removed from this account. Please see the dispute letter that was sent last month which is dated and time stamped.
Product: Money transfer, virtual currency, or money service

I was on this app call XXXX XXXX  I was chatting wit these people from another country ) it was through XXXX ) & They promised me if I send this amount oXXXX XXXX XXXX XXXX for awhile ) & I'll get double my money ) & I Was Trying 2 get dem talk them on da phone & I'll Realized they didnt talk XXXX ) after i send them around XXXX ) & I went to the bank ) told me ain't they could do wit cashapp ) & I Did Heard da XXXX  ) owner Had went to jail ) Not saying he had some thing to do wit it. u knw
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of Identity theft. You should blocked the information in the file that I've mentioned. I am submitting the copy of my ID and Identity theft report. I meet all the qualifications under 15 USC 1681c-2 for Block and Removal of the information that resulted from an identity theft on my consumer report.
Product: Money transfer, virtual currency, or money service

XXXX, XX/XX/XXXX Dear Sir/Madam, I need your help. 

XX/XX/XXXX, I fell victim to a multilayered scam operation by XXXX. The company offered investment services that aim is robbing and defraud clients. I lost XXXX, XXXX USD which was transferred from my wallet utilizing their services. 

XX/XX/XXXX : My first telephone contact with the investment manager and cryptocurrency broker XXXX XXXX and the security officer XXXX XXXX XXXX at XXXX. XXXX XXXX XXXX showed me the broker check at XXXX - that both he and XXXX XXXX were registered there. After several phone calls, answers to my questions, and a homepage check I didnt find anything suspicious ; the company seemed to be in order. 

XX/XX/XXXX : Opened an account with XXXX for bitcoin trades. 

XX/XX/XXXX : My first transaction from my bank XXXX, XXXX XXXX XXXX to XXXX ( Attached file : XXXX XXXX ) ( Attached file : XXXX XXXX ) XX/XX/XXXX : My second, and last, transaction from my bank XXXX, XXXX XXXX XXXX, to XXXX. 
( Attached file : XXXX XXXX ) ( Attached file : XXXX XXXX ) XX/XX/XXXX : The cryptocurrency broker XXXX XXXX reported an unreal profit which made me understand that something was wrong. 
( Attached file : XXXX XXXX ) XXXX XXXX : I tried to withdraw my invested money from my account at XXXX but found out the funds were stolen. 
( Attached file : XXXX XXXX ) XX/XX/XXXX : A police report was filed, by me, against the company XXXX. ( Attached file : Police report ) XX/XX/XXXX : Sent an ADR Protocol Letter to XXXX anXXXX XXXX 
( Attached file : XXXX XXXX Letter to XXXX ) ( Attached file : XXXX XXXX Letter to XXXX ) XX/XX/XXXX : Answer from XXXX ( Attached file : XXXX answer ) XX/XX/XXXX : Sent a Dispute Letter to XXXX. 
( Attached file : Dispute Letter to XXXX ) XX/XX/XXXX : Answer from XXXX ( Attached file : Wises answer ) XX/XX/XXXX : Sent Police report to XXXX ( Attached file : Copy of sent email ) XX/XX/XXXX : Confirmation from XXXX ( Attached file : Confirmation of receiving my email XX/XX/XXXX : Sent a Rebuttal Letter to XXXX. 
( Attached file : XXXX XXXX to XXXX ) I have tried to get help from XXXX and XXXX without any success. Can you please help me? 


Kind regards,
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing this account for almost 8 months now and all I want is to have this account removed from my credit report. XXXX XXXX XXXX Account Number: XXXX I have tried to fix this problem multiple times and told them to validate this account and they have failed to do so. The credit bureaus would respond saying that the creditors have verified that the account is accurate which is not. They did not even provide documents to prove that this account is valid.
Product: Mortgage

SINCE XXXX I BEEN FORMALLY REQUESTED TO BE CONSIDER FOR A LOAN MODIFICATION AN EVER EVER BEEN HELP AT ALL I BEEN REJECTED, TOTALLY IGNORED AND THE COMPANY MISLEADING THE INFORMATION MANIPULATE THE US POST OFFICE WITH THE BACK DATED NOTICE AND SOLD MY HOME WITH OUT TAKE AL LOOK OF MY APPLICATION, DO NOT RESPONSE MY PHONE CALLS AND FINALLY THEY SOLD MY HOME ON XX/XX/XXXX AND I HAVEN'T BEEN ABLE TO CONTACT THEM AT ALL AND I HAD SOME CALLS FROM THEM WITH TREATS, PRETENDING THAT THEY DO NOT UNDERSTAND ME OR THEY DO NOT HEAR THE CONTACT IS NOT CLEAR I A A SENIOR XXXX AN I DO NOT HAVE ANY WHERE TO GO IF THERE IS ANYTHING THAT YOU CAN DO TO HELP ME AND MY FIANCE XXXX XXXX SHE IS SENIOR AN XXXX TOO
Product: Debt collection

In accordance to the Fair Credit Reporting Act the list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. XXXX XXXX XXXX XXXX 15 U.S.C 1681 Section 602 A. States I have a right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.