23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

On XX/XX/XXXX at XXXXXXXX XXXX I was contacted by a number that was the same as chase bank ( XXXX ) XXXX ) it was the same number that is on the back of the chase card but it said potential spam but I thought it was chase because it was the same number they told me there was potential fraud on my account and said they are going to send me a text the text I received was a fraud text for {$1000.00} dollars and they told me press yes and when the call ended there was 4 {$1000.00} withdrawals which doesn't make sense because my daily withdrawal limit is {$1000.00} per day so I don't know how they were able to take out 4 seperate {$1000.00} withdrawals. I don't know if it was a chase employee or a scam I filed a claim with chase and they denied my claim because they said I authorized it and told me to send proof that it was not me so I went to a chase branch and submitted proof ( the fraud email and screenshot of the incoming spam call with the chase number ) and filed an insertion claim with the evidence and they denied my claim again saying the evidence was insufficient and their hands are tied and when I asked to speak to a manager they said no and that there was no supervisor available to speak with me
Product: Credit reporting or other personal consumer reports

I am writing to request the immediate blocking and deletion of certain accounts and inquiries on my credit report due to identity theft and a recent data breach, pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). 
Accounts to Be Blocked and Deleted : XXXX XXXX XXXX - XX/XX/XXXX - {$680.00} XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$370.00} XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$680.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX XXXX - XX/XX/XXXX - {$0.00} Inquiries to Be Blocked and Deleted : XXXX - 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
Product: Debt collection

I signed as a Guarantor on a lease agreement for my Nephews apartment on XX/XX/XXXX. My nephew was served eviction paper work through a process server on XX/XX/XXXX. My nephew hired a lawyer on XX/XX/XXXX. The case was settled due to a breach of contract on the plaintiffs end. They dismissed and forgave any past due rent and paid my nephew {$4000.00} to move out on XXXX XXXX. forfeiting his {$2000.00} deposit for any damages. On or around XXXX, XXXX I started receiving collection attempts on the past due rent/damages. On or around XXXX, XXXX this false/invalid/dismissed debt collection of {$14000.00} was reported on my credit history.
Product: Payday loan, title loan, or personal loan

Previously this year in XXXX I called in and told them that I was no longer working. We then mutually agreed that utilizing my grace period was the best solution. I called into Lending Club on XX/XX/20 to express my proactive concern about future payments. I told the initial representative that I am still not working and I need additional assistance. I was then transferred to a payment specialist. The specialist preceded to tell me that I either pay or face negative credit reporting. She then broke down the timeline of non payment, after 30 days it reports negative, after 90 days its outsourced, and finally after 120 days its charged off. So I asked are you saying either I pay or face the consequences. She said " Yes ''. 

So I felt a little bullied, and felt she had a lack of empathy especially after I have proven great pay history.
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, I noticed that certain information has been furnished to your bureau without my written consent. As per 15 USC 1681b, Section 604 ( a ) ( 2 ), consumer reporting agencies like yours are only allowed to furnish consumer reports for specified permissible purposes and with the written consent of the consumer. However, I have never provided written consent for the furnishing of my information to your agency or for obtaining my information from any source. 
XXXX XXXX XXXX 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

Please review my two documents attached. These accounts should have a XXXX balance because they were paid off. XXXX, XXXX show that the account was closed with a balance due where the negotiated amount was paid in full and the balance was subject to a 1099. These derogatory disclosures are ruining my opportunity to purchase a home. Lenders will not work with me until this is fixed. I am attaching a Letter in Good Standing provided by my Federal Debt Relief Program as well as a snapshot of what is on my current credit report. The accounts listed should be in good standing with XXXX and XXXX with a XXXX balance paid in full. 

I appreciate your time and helping me with this.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX Account # XXXX has violated my rights. 

15 USC 1681 Section 602 States I have a right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instruction 15 USC 1666B : A creditor may not treat a payment on an auto loan account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and XXXX reporting delinquent and it is not delinquent been placed on hold per President 's request.
Product: Credit reporting or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT 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 A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX. XXXX XXXX XXXX XXXX NY XXXX TransUnion, XXXX And XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Re : Request for Investigation of inaccurate information stating that I had late payments. 

To whom it may concern : I am writing to dispute the erroneous reporting of a late payment on my credit report. 
I contacted the following creditor as listed on my report 1XXXX is reporting that I made a late payment to XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX  2. Transunion is reporting that I made a late payment to XXXX XXXX XXXX on XX/XX/XXXX. XXXX is reporting that I made a late payment to XXXX XXXX XXXX on If you find that my claim is true and that I did not make a late payment in the months stated above. I am requesting that those late payments be removed from my credit report and an updated copy of my credit report be sent to the address listed above upon resolution of the investigation. 
This is a request for you to investigate the following " Unverified '' account listed above and below. According to the Fair Credit Reporting Act, 15 U.S.C. 1681 in accordance with the federal protection act these companys and creditors violated my rights. your company is required by federal law to verify this inaccurate once I notified them that credit report was in error to assure maximum accuracy. Without proper verification by your company, anyone paying for your reporting service could fax, mail, or email in a fraudulent account. 
I demand to see a copy of the Verifiable Proof ( an original bank check with my Signature and date on it ) that you used to verify that the the late payment after I contacted you about this error. My payment was never late as I explain to you was I contacted you. Your failure to properly verify these reported late payments has hurt my ability to obtain credit. Under the FCRA 15 U.S.C. 1681, unverified accounts must be promptly deleted. If you are unable to provide me with a copy of the verifiable proof that you have on file within 4 business days for each of the accounts listed below then you must remove these accounts from my credit report. Please provide me with a copy of an updated and corrected credit report showing these things removed. 
If you find that the late payments are valid please send me proof, along with the description of your investigation procedures within 15 days of the closure of this dispute. Thank you in advance for your assistance with this matter. 

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

The presence of fraudulent, inaccurate, and misleading information on my consumer report continues to cause significant disruption in my life despite my repeated attempts to resolve these issues. As a victim of identity theft, I never authorized or consented to these entries being associated with my name, yet their ongoing presence has generated immense XXXX XXXX XXXX  while severely impacting my financial stability and everyday wellbeing.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$120.00} ) 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 a 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 the information is inaccurate.
Product: Mortgage

I have a current mortgage with Wells Fargo. They refuse to allow me to take advantage of a lower rate and are discriminating based on there fact that I have a new job. I have many assists to assist with backing up this loan but they would not take those into consideration and will not allow me to write down my current loan. They may also be age discriminatory as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and have already reached out to the appropriate companies who referred me to contact the consumer reporting agencies directly to have erroneous items removed. I have attached a copy of the identity theft report along with proof of identification. Please remove immediately and provide correspondence to the address on file with confirmation of removal.
Product: Credit card

As an investor affiliated with this company, I am compelled to address the closure of my account on XX/XX/XXXX, followed by its charge-off on XX/XX/XXXX, attributed to " non-payment ''. This matter perturbs me due to the provision of an application I did which turned into a security which can be sold to a third party which makes it a promissory note. Not to mention they make all bonds out of all applications from which they have indeed realized guaranteed returns. Despite this, my account remains closed. I am keen to rectify this situation by tendering the appropriate payment through the prescribed method. Furthermore, I wish to draw attention to the commitments delineated in the company 's prospectus submitted to the Securities and Exchange Commission ( SEC ), emphasizing the obligations incumbent upon them, which I believe merit further consideration.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter by certified mail to help establish a legal recourse. If you choose to not block the following accounts listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law. 
XXXX XXXX Balance : {$0.00}, XXXX  XXXX XXXX Balance : {$1300.00}, XXXX XXXX Balance : {$0.00}XXXX XXXX XXXXXXXX XXXX : {$0.00}
Product: Credit reporting

Equifax is reporting a tax lien that has been paid and released since XX/XX/2014, and it is currently being reported as a negative item. This should have been removed because the information shows the release date of the lien! 
Both XXXX and XXXX have already updated my credit reports removing the tax lien that has been paid!
Product: Credit reporting, credit repair services, or other personal consumer reports

I just checked my credit record, and I regrettably discovered that a fraudulent requests had been reported. You are submitting information that is not your own. I'm writing to make sure my credit file always contains the most up-to-date information. Within the next 15 days, kindly remove the unlawful credit query from my file. 
XXXXXXXX XXXX XXXX XXXX Inquired on XX/XX/2XXXX XXXX
Product: Credit reporting or other personal consumer reports

As of today XX/XX/23 at XXXX ; XXXX, XXXX is derogatory reporting an account with incorrect information! I have asked this be corrected on numerous occasions and nothing has been resolved. I went to my XXXX XXXX this morning to refinance my auto loan and discovered the report contains errors. Firstly, that XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX is reporting this account as " OPEN '' in the amount of {$550.00}. THIS IS INCORRECT -account # XXXX IS CLOSED! See the attached. 
Additionally, XXXX is showing me lender a current score of XXXX, but when I log in-the customer, the consumer, my score is shown as XXXX a difference of XXXX points!!!! I really wish this would get resolved, I have spent countless hours trying to get someone to help and they do not seem to care and are infringing ALLLLLLL OOVERRRRR MY RIGHTS! I am very closed to getting the Attorney General for the State of Florida involved. This is not right and they know it. 
Best, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your taking the time to CORRECT some of the erroneous items in my credit file ; however, there are still many items that need to be UPDATED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 accordance with the Fair Credit Reporting Act, XXXX  Account # XXXX XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. My legal rights have been violated. 


In accordance with the Fair Credit Reporting Act, XXXXXXXX Account # XXXX XXXX XXXXXXXX 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 a account without my written instructions. My legal rights have been violated. I
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX {$280.00} and XXXX XXXX XXXX {$420.00} I challenge the accuracy, compliance and reportability of these listings. 
There are no contracts, no valid claim ... accounts were settled with original creditors ... grave errorsfalse claims and reportingI want these accounts removed immediately or litigation may follow. You can not collect a debt twicethis is unlawful Please validate this information and provide me with copies of any documentation associated with these accounts, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number.

Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to e-oscar or any means of automated verification.

You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised this is against F.C.R.A. law and is a violation of my rights..
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/scrub>XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : XXXX - XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, i sent a letter to the consumer reporting agency regarding some inaccurate and unknown items on my credit report. Today XX/XX/2021, i am still waiting for a response. I have not received any type of acknowledgment or a response regarding this issue. It is been over 40 days now and these items are not still being investigated and it is irritating. I believe if the consumer report agencies are all ignoring me, the items that i am disputing should be deleted promptly because it has been so long. In addition, the law of section 611 ( a ) it states that a failure to investigate a consumer 's items within 30 days gives a reason to immediately remove those items previously disputed from my credit report. 
I demand these accounts be deleted immediately. In addition, my information was also impacted by the equifax data breach and may have got stolen.
Product: Credit reporting, credit repair services, or other personal consumer reports

About 2 months ago, I asked Wells Fargo why my score dropped 29 points.

My one delinquency was a year old. Already had been dinged. 
Was told to contact XXXX. 
After I created a dispute to find out why my score was 29 points higher in their system, They emailed the research was complete. 
My score went to XXXX or higher, in a few days, on all 3 credit reporting agencies. 
A few days later, fell 61 on all 3. 
Phoned XXXX. They could not explain why. Told me to contact FICO. 
XXXX said they couldnt give me an answer. 
My annual credit report only shows the one delinquency. 
My score dropped another 4 points in XXXX. 
Wells Fargo site shows a negative I have too much on my accounts. It's been XXXX for a year or more. I, this month, left {$120.00} balance only because another negative item was not enough balances. 
Wells Fargo, now, shows I have a higher score than the XXXX   site. Wells says they use XXXX. 

Account Summary FICO Score XXXX as of XX/XX/20 Wells Fargo credit rating : Excellent FICOScore | FICO Score XXXX XXXX   Data Score range : XXXX XXXX Updated Monthly Planning & Tools Visit the Smarter Credit Center View My Retirement Plan Calculate Debt-to-Income Ratio Your Score Factors Your Score History Credit Reports Credit Education FAQs Factors affecting your current FICO Score Congratulations! Your Wells Fargo credit rating is Excellent based on your current FICO Score.

These key factors may reflect your credit information as reported in your credit report. They're for informational purposes and while these factors are present in your credit report, they may not significantly impact your current score.

Number of accounts with delinquency No recent revolving balances Proportion of loan balances to loan amounts is too high Time since delinquency is too recent or unknown Too many inquiries last 12 months
Product: Credit reporting, credit repair services, or other personal consumer reports

Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments and I am writing to request the Credit Bureaus the method of verification for disputes In accordance with FCRA, I am requesting this items to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX