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

I HAVE BEEN A VICTIM OF IDENTITY THEFT. I DOWNLOADED A SOFTWARE XXXX AGO TO MY COMPANY THAT ENDED UP HAVING A VIRUS ATTACHED TO IT THAT ENDED UP CLEARING EVERYTHING FROM MY COMPUTER AFTER STEALING ALL OF MY PERSONAL INFORMATION FROM ME. I HARDLY CHECK MY CREDIT BUT I TOOK A LOOK AT MY CREDIT REPORT RECENTLY AND NOTICED THERE IS A TON OF FRAUDULENT INFORMATION ON MY FILE THAT NEEDS TO BE REMOVED/BLOCKED WITHIN THE NEXT XXXX XXXX 


FRAUDULENT 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX, XXXX, FRAUDULENT ADDRESSES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

As noted below, all I want is to be removed from their relentless spamming as noted in my previous report to you : XXXX. I have attached their latest email. As you see, they suggest there is an account I can log into. I have never set-up an account with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraud department for each bureau has been called several times in regards to someone breaching my SSN. Each bureau assured me that they would remove the inquiry for XXXX XXXX off of my credit report. This inquiry is still reporting and has shaved points off of my score for the hard inquiry. I even put a freeze on my XXXX account back in XXXX and the agent never actually successfully froze my account. This inquiry is not attached to an account. I spoke with XXXX XXXX as well for removal and was informed it would be removed almost a month ago. 

I DID NOT RECENTLY OPEN AN ACCOUNT WITH XXXX XXXX. THIS ACCOUNT INQUIRY DOES NOT BELONG TO ME!
Product: Credit reporting or other personal consumer reports

My account with COMMERCEBK was never late! I have had exceptional payment history with COMMERCEBK and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XX/XX/year> and XX/XX/year> to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


COMMERCEBK Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

I am resending this complaint regarding the unauthorized inquiries on my credit report. I am pleased to note that many unauthorized inquiries have been removed, for which I am thankful. However, some still remain, and I am once again requesting your assistance in removing them. According to the law, you are required to remove all unauthorized inquiries listed in my identity theft report. Below, I have provided a list of inquiries that I would like to be removed : XXXX XX/XX/XXXX ; XXXX 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 XX/XX/XXXX XXXX
Product: Credit card or prepaid card

I received a notice from XXXX that a Bank of America inquiry was made. I called Bank of America and a credit card had been issued in my name for XXXX XXXX. I never applied for a credit card. It had my name, my address, my email, and my social security number.
Product: Mortgage

My wife and I bought a house in XXXX and did some remodeling, etc. In XXXX when we refinanced our construction loan into a XXXX year fixed mortgage, the rate for our nonconforming loan was 6.25 % with Bank of America. The recession then wiped out a substantial portion of the value of our home - which we have not yet recovered. 

Since then, I have had several setbacks. In XXXX, I lost my job and in XXXX, my wife passed away. 

Since XXXX, I have repeatedly tried to refinance at a lower interest and can not, despite the fact that BofA already own the liability on the home through my current mortgage. I have been given many different reasons that we cant refinance, including ; " there is no tarp loan modification program that fits for jumbo loans, even though there is XXXX for everyone else '', '' your house does n't appraise high enough to meet the 80 % threshold '', '' you do n't have sufficient income history '', and " you need XXXX years income history for your own business. " I have been paying interest at substantially more than the market rate for more than XXXX years and feel victimized by the bank. 

I have never missed a payment, but it 's becoming more difficult with kids in college, with a lower income, and without my wife 's help. I simply want to refinance at a rate that makes sense in today 's environment, a rate that is fair considering the XXXX of people who have been able to refinance since the recession. I have done my part and now I need some help.
Product: Credit reporting, credit repair services, or other personal consumer reports

Violation of the Fair Credit Reporting Act by TRANSUNION. 

I have gotten deletions of certain items on my consumer report, however I find that TRANSUNION is picking and choosing what they would like to remain on my Consumer Report/File. 

Please see attachments. It gives proper timeline of my attempts to contact Transunion by mail, hand written letters, typed letters and phone calls that last over an hour with no result. 

This is doing harm to my ability to move in commerce as a consumer and it is harming my reputation and character. 

I mailed my latest request to XXXX XXXX XXXX, XXXX XXXX, PA, XXXX - United State Postal Tracking Number XXXX.
Product: Credit reporting or other personal consumer reports

Subject : Resolution Request for Immediate Correction and Financial Compensation Due to XXXX Reporting of Time-Barred Debt To Whom It May Concern : I am filing this complaint regarding XXXX reporting of a debt to credit bureaus that is over XXXX years old and thus unenforceable under Maryland law . According to Maryland Courts and Judicial Proceedings 5-101, consumer debts older than three years are time-barred and can not be legally enforced. 

Despite this, XXXX has reported this unenforceable debt to credit bureaus, which misrepresents its collectibility and has negatively impacted my credit profile. This action violates my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), which requires fair and accurate credit reporting. Given the financial and reputational harm caused by this inaccurate reporting, I am requesting the immediate removal of this debt from my credit report. 

Additionally, under the Gramm-Leach-Bliley Act ( 15 U.S.C. 6802 ), my private financial information should not be disclosed or shared without my authorization, and XXXX  reporting of this time-barred debt violates this restriction. 

I am requesting both immediate removal of this time-barred debt from my credit report and financial compensation for the harm caused by this reporting. I appreciate the CFPBs assistance in addressing this issue and ensuring that XXXX is held accountable. 

Thank you for your attention to this matter. 

Sincerely, /s/ XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I disputed an account I have no knowledge of on the Equifax website, which is shown as XXXX  in the amount of {$360.00}. After disputing this account, I received an email on XX/XX/2021 stating that the account had been verified that it belongs to me, in which I didn't agree. I then sent a letter to Equifax on XX/XX/2021 asking for the method of investigations and what procedures were used to determine the accuracy and completeness of the disputed information. On XXXX XXXX I received a letter from Equifax with my credit report with the disputed account still on it, stating it had been verified but the method of investigation was not included in this letter.
Product: Checking or savings account

My wallet was stolen w my debit card and XX/XX/XXXXcard I reported it stolen to chime bank they sent me a new debit card so while I was waiting for them to send me a new credit card I was transfer my automatic credit deposits back into my checking because u don't need a pin for that card. They closed my account 10 mins after I had a XXXX dollar deposit made said that transfering my money out of my XX/XX/XXXXwas against policy that they would send me my money within a month. I sent proof of identity 6 weeks ago they have no customer service agents to speak to and every time I email them they tell me to give them a month it's always an automated responce. It's my belief that they r hoping I will forget so they can keep my money. I don't understand why I can't speak to someone or why they haven't sent me my money.
Product: Credit reporting or other personal consumer reports

Am a natural person.I am a living human being. I have the rights under 15USC 1681 Equifax is governed by 15USC 1681 and they have violated my rights numerous of times.I demand the accounts listed below be removed because according to USC1681 the rights to privacy and I did not give Eqifax written permission to furnish these 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
Product: Debt collection

I received a letter from American Profit Recovery XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX MI XXXX on a debt they claim there client XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX I owe. indicating I owed a debit to XXXX XXXX XXXX XXXX XXXX for the sum amount of {$210.00}. I sent XXXX letters to the collection agency and also to the vendor. The XXXX letter was dated XXXX and certified receipt. I advised this debit was not due or owed, and we did not order the services. The vendor actually did n't sign for the certified letter but the collection agency did. I asked in the letter to correct the account as we did n't owe the balance, and requested they respond within 10 days of which I received another letter today. Today 's letter simply states per my request they are enclosing supporting documents for the debit owed, it is simply the vendors invoices. 
This is becoming a paper chase and my fear is they will report this in my credit. Need your help as I advised in writing the debit was not owed XXXX and certified mail.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX 15 U.S. Code 1666 - Correction of billing errors ( B ) Billing error For the purpose of this section, A a billing error consists of any of the following : ( 1 ) A reflection on a statement of an extension of credit which was not made to the obligor or, if made, was not in the amount reflected on such statement.

( 2 ) A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof.

( 3 ) A reflection on a statement of goods or services not accepted by the obligor or his designee or not delivered to the obligor or his designee in accordance with the agreement made at the time of a transaction. 
( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement.

( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required. 
( 7 ) Any other error described in regulations of the Bureau.
Product: Debt collection

I have an account from XXXX XXXX XXXX XXXX # XXXX that's still on my credit report that I paid off in XX/XX/2017. I would like this account removed from my credit report as soon as possible.
Product: Debt collection

I.C. System INC at XXXX XXXX XXXX XXXX XXXX, MN XXXX has been reporting a collection with a past due amount of {$270.00}. I am not familiar with this company. I have not done business with, validated any debts, signed any contracts nor have I given this company my consent to report my personal information which is a violation of my rights.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns of Zelles handling of disputes particularly in light of the CFBP lawsuit highlighting signing issues with the platform. Despite using Zelle numerous times and reporting discrepancies my financial institution and Zelle failed to investigate my claims adequately. They informed that trcovrting lost funds was impossible. And tracking these funds was unfeasible. The CFBPs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the sXXXX XXXX XXXX XXXX XXXX vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety
Product: Credit reporting, credit repair services, or other personal consumer reports

I am going though identity theft! It has completely turned my life upside down making me paranoid, and has brought out challenges as in my XXXX and heightened them as well I have meet and exceeded expectations that the bank has requested in my option, and have had to be part of my own dehumanizing. As I am XXXX I am asking for a reasonable accommodations for my XXXX so I apologize in advance if I mispronounce, might not ask or explain thing probably. I do appreciate your patience with me. I have been a customer with XXXX XXXX sense XXXX in XXXX I opened a business banking account for my charity the XXXX XXXX I do outreach and advocate for individuals with XXXX including myself I was refused the reasonable accommodation as well as simple fundamental customer rights I believe the identity theft is though the bank I am convinced I am truly at a loss for words as I watch my credit score and my public image, and mental heath are diminishing. I live on a fixed income and cant afford the money, time from school, and the Commuity that I help I am also part of the XXXX XXXX XXXX XXXX XXXX programs of XXXX  county and I have put everything on hold they have subjugated me to ableism on a level that has left me crying myself to sleep nightly. I never asked to be born little loan with XXXX and I have overcome all adversities life have thrown my way but this one with the bank has prolly been the hardest and thats a bold statement please help me I have supporting documents as well I have went to the bank over thirty times in the last two months only to be refused service or misspelling my name on the business account and the refusal of the documentation from the IRS on two different occasions I was flagged as fraud as well because the misspelling of my name multiple times from the bank has me as having alias and now my capital one accounts were compromised as when the 360 banking with capital one reached out to verify me XXXX XXXX XXXX gave them false and fraudulent information about me I know this sounds far fetched but I can prove everything with documents and a mound of evidence thank you for taking the time to reach this sincerely XXXX XXXX XXXX.
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. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 am currently disputing One Main Financial with CFPB. They are not responding in an appropriate time with CFPB. The negative account was taken off of XXXX months ago and on to XXXX after it has already been deleted and the executive director of One Main was contacted directly concerning my situation by CFPB. They have received all the proof showing that I was a victim of Identity Theft ( Police Report, FCRA Affidavit, etc. ) and still are not cooperating. This is beginning to become tortious interference of business practices due to I function in the real estate industry by using my credit I may need to contact a lawyer in order to place a civil suit. I have never had an account with One Main Financial and all accounts they have posted on my credit reports need to be removed immediately!
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to the car dealership to buy a new car and while running my credit. There were hard inquiries I did not do, please remove the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX under the Fair Credit Reporting Act 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

I have had trouble applying for credit in the past so I have recently taken multiple steps to amend any and all outstanding issues. I found that I was able to obtain an error-free report, indicating my non-existent credit history from both XXXX and XXXX. Experian, on the other hand, has been very problematic with sending me an accurate report. I began running into trouble when I went to check my credit score and saw that there were inconsistencies between the infomration I provided and what was on their report and when making an effort to apply for credit through my bank, so I sent a request to Experian for a full report. After processing my request, I received a credit report from Experian which states entirely false information about my credit history ; there are loans and bank accounts from multiple states shown on the report which do not reflect any accounts that I currently have or locations where I have ever resided. Additionally, all telephone numbers, multiple addresses/former or currently employers and the provided social security number variation depicted are not correct. I have disputed the claim and made multiple calls to Experian in an effort to remediate these issues to no avail. In the process of disputing the report, I was sent the same form multiple times asking to provide forms of identification/bank statements to prove my identity and after responding to Experian twice with the required information, I still received the same form. I have the report attached for reference. Please let me know what can be done to rectify these issues.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX JPMCB Card Services XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX To Whom It May Concern, I am writing to respectfully request the removal of a late payment report on my credit file from JPMCB Card Services, which occurred in XX/XX/XXXX. Due to extraordinary and unforeseen circumstances, I was unable to make the payment on time, and I am asking for your understanding and consideration. 

In XX/XX/XXXX, I XXXX XXXX XXXX XXXXXXXX, which led to a XXXX XXXX XXXX XXXX XXXX XXXX XXXX Shortly thereafter, I began experiencing XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX making it even more difficult to manage my finances. 

In XX/XX/XXXX, I received XXXX XXXX XXXX, and unfortunately, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX made financial management incredibly difficult. 

On XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I was unable to manage my financial obligations or set up an autopay arrangement. This single missed payment occurred while I was XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Additionally, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, which the federal government recognized as a national emergency. The XXXX XXXX XXXX XXXX XXXX XXXX declaration, which remained in effect until XX/XX/XXXX, provided certain protections and relief measures, but also significantly hindered my ability to meet my financial obligations in a timely manner. 

Please note that since opening my Chase account, I have consistently paid my full balance on time and never missed a payment. This is the only late payment on my record, and it was solely due to these unprecedented XXXX XXXX. This negative mark has been a barrier for me in securing personal loans as I work to rebuild my financial XXXX XXXX XXXX. 

I have provided documentation of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, which I will submit once finalized through XXXX. 

Given the above, I kindly request that JPMCB Card Services consider removing this late payment from my credit report as a goodwill adjustment. This gesture would support me immensely as I strive to restore my financial health and continue managing my obligations. 

If you require further documentation of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have uploaded and attached them to this email. 

Thank you very much for your time, understanding, and consideration. I look forward to a favorable response. 

Sincerely, XXXX XXXX Chase Sapphire Credit Card Account # : XXXX XXXX XXXX XXXX XXXX : XXXX