23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Despite my repeated efforts, I would like to follow up to remove these fraudulent items persist on my credit report, adversely affecting my creditworthiness and financial standing. 

This continued failure to address the issue is unacceptable and has caused significant stress and hardship. It is imperative that these fraudulent items are promptly removed to prevent further damage to my financial well-being and to safeguard against potential identity theft or financial fraud. 

I implore that you review this information thoroughly and take decisive action to ensure the removal of these fraudulent items. I seek your intervention in resolving this matter promptly and satisfactorily. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXXXXXX XXXX XXXX XXXXXXXX, NC XXXX ; XXXX XXXX XXXX, NC XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$22000.00} ; XXXX XXXX Balance Owed : {$980.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXXXXXX XXXX XXXX XXXXXXXX Balance Owed : {$4500.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$450.00} XXXX XXXX XXXXXXXX Balance Owed : {$3200.00} ; XXXX XXXX Balance Owed : {$1900.00} ; XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX NC XXXX ; XXXX XXXX Balance Owed XXXX {$980.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$450.00} XXXX XXXX XXXXXXXX Balance Owed : {$3200.00} ; XXXXXXXX XXXX XXXXXXXX Balance Owed : {$22000.00} ; XXXX XXXX Balance Owed : {$1900.00} ; XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

inaccurate information is not known to me to the best of my knowledge XXXX XXXX XXXX {$1500.00} Needs attention HIGH IMPACT XXXX XXXX XXXX {$1300.00} Needs attention HIGH IMPACT XXXX XXXX XXXX {$530.00} Needs attention HIGH IMPACT XXXX XXXX   XXXX {$320.00} Needs attention HIGH IMPACT XXXX XXXX {$290.00} Needs attention HIGH IMPACT XXXX XXXX XXXX {$160.00}
Product: Checking or savings account

On XX/XX/2023, we transferred {$18000.00} from our Chase business account ( for our law firm ) into our Chase personal checking account. On XX/XX/2023, transactions started being declined and when we reached out to Chase on XX/XX/2023, we were informed that the fraud department flagged our transfer and our account was frozen. After repeated calls to Chase as well as XXXX visits to different local branches, not XXXX person could or would give us a reason. Everyone told us that they had no idea why and that they were going to close our account ( again no reason given ), and send us a cashier 's check within ten days of the account closure. On XX/XX/2023, we were told a cashier 's check was authorized to be sent to us and since the amount was over {$5000.00}, it would be sent overnight. We did not receive the cashier 's check until XX/XX/2023. That day, we endorsed the check and deposited it into another Chase personal checking account. We were told everything was fine and that it would be immediately available funds. The next day, XX/XX/2023, the funds were still on hold and would not be released... again for no reason that anyone could explain. We spent over an hour on the phone trying to get help and finally someone was able to release the check. 
Unfortunately, because Chase delayed releasing our money for over two weeks, we missed payments for our cars, we missed payments for other bills and we had many automatic payments missed and we lived without income this entire time. Banks should not be able to do this with customer 's livelihood.
Product: Credit reporting or other personal consumer reports

I made a payments on my card before my due date on XX/XX/year> and before my reporting date on XX/XX/year> and my information is not being reporting correctly
Product: Credit reporting 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 confidentiality under XXXX XXXX XXXX. 

XXXX XXXX XXXX XXXX, Arbors On 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

i have disputed sps on several occasions from ridiculous mortgage hike, proof of lenders base insurance and unpaid property taxes. my taxes have been part of my escrow account for over 10 years. 

once again we have the issue of unpaid property taxes. so i reached out to the ombudsman department again on XX/XX/XXXX. because back in XX/XX/XXXX and XX/XX/XXXX i was assured that all taxes was paid and current. 

however, XX/XX/XXXX i pulled the deed to my residence and was shocked to see a forfeiture on my property place by XXXX XXXX treasurer for unpaid XXXX property taxes. i immediately contacted sps ombudsman department the next business day. speaking with a young lady i believe to by the name of XXXX. 

she stated she will need to get permission to seen me a email for me to attach my document for review. 

after a few days i received the email and i did just that. i then received a call from XXXX stating my document was received and would be forwarded to the appropriate managing department for resolution. she also stated if i gave them a few days anyone should be able to give me the results / resolution. 

its now been over 30 days and ive yet to receive any resolution. and the company is still reporting negatively on my credit with all three bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX I purchased a car from XXXX XXXX XXXX XXXX, and my credit was reported four times. Three of those times should be an error. Are you able to fix this, or do you need me to get proof from XXXX?
Product: Credit card

Our experience with XXXX XXXX XXXX XXXX is an ongoing practical and nightmare, now in its 3rd month, delivery still not completed, goods lost, others horribly damaged, even as XXXX keeps running up more charges against our credit card accounts without our authorization. Now XXXX is sending us forged and altered documents in order to try to bill us even more. 

We never authorized XXXX to make these charges. We had a COD deal but they charged our cards even before anything was delivered without knowledge or permission. They also delivered only a partial shipment and collected fees before a bill was ever presented. 

There are many other problems with these transactions. They are secondary. The deal for this move was based upon weight. XXXX had the responsible to get the truck officially weighed unloaded and fully loaded. But has yet to give legitimate weigh station forms to substantiate the charges. 

To prove up the weight of the first truck XXXX provided a scanned copy of a weight scale receipt which is unsigned AND which has hand-written alterations of the truck 's ID numbers AND which has a pre-printed legend that it CAN NOT be used for legal trade in California! The weight scale company CATScale told my husband that this is an invalid receipt, period, the end. Then XXXX provided us a scanned copy of another CATScale receipt, supposedly for the fully laden truck the night of XXXX XXXX. This receipt is signed, but it also states it is not for legal trade, AND MOST IMPORTANTLY, the truck 's ID numbers have been altered in handwriting. 

Delivery is still not complete and we have many damaged and missing items - they wo n't return our calls. I am trying to get the credit companies to reverse the charges. Since I did not authorize them, and I have not seen proper billing for me to agree to pay such charges. Also the services they did provide were unsatisfactory in many ways - resulting in damage to goods and properties as well as breaking the contract and delivering part of our load 26 days later then the contract. 

Does n't the consumer have control of where and when their money is spent. 
We need help. I absolutely did not authorize the charges the card was specifically meant to hold the reservation and the COD deal combined with billing is when I was suppose to pay the invoice. The first part of move in was XXXX XXXX you can see they did XXXX charges before we moved in and before we were presented with an invoice. 

If the credit cards were doing their job that would have done more due diligence and find out about authorization for such large charges. 
There are XXXX companies involved in this Bloomingdales XXXX, XXXX XXXX XXXX and XXXX XXXX. 

I want the charges reversed and I want to get legitimate proper bills with no cross-outs and hand writing on forms from XXXX that I can review prior to making any payment decisions. 

Thank you for your help, XXXX
Product: Debt collection

I wrote a letter to the company requesting information I received a copy of judgement that I was NEVER served with a prejudgment interest rate of 22.95 % which is crazy plus I no longer lived in the state wondering if this is authentic.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had my information hacked and accounts were opened in my name without my authorization. I have filed a police report but its a very small town that i live in and so i only have the incident number. incident # XXXX for identity theft/fraud. XXXX XXXX police. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The companies in question acknowledge the fraud has been filed but say that i still owe the money. I've tried to got the bureaus for help but the company in question has only verified the accounts and not removed them.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I filed several disputes with XXXX  using the online disputes portal. On of those disputes included an account known as XXXX  XXXX XXXX which was reporting as a charge-off/ collections account. In my dispute I provided XXXX  a letter which stated that XXXX  XXXX XXXX account was paid in full and the account was closed. My dispute was a request to correct my Merchants Account. On XX/XX/2020, I received an email from the XXXX  XXXX Department which stated that based on the documents I submitted with my dispute # XXXX, an XXXX   Dispute Specialist modified the account information. When I logged into my XXXX  account I observed that my XXXX XXXX  XXXX account payment status was updated as now paying/ was a charge-off and I had multiple months of missed payments added to my payment history. I contacted XXXX XXXX  XXXX who informed me that they were never contacted about my account, my account was never in a charge-off status, and the only late payment was XX/XX/2020 which was a 30 days past due. XXXX XXXX  told me to contact XXXX  to have it correct was they could not change anything they didnt update. When I reviewed my credit report I observed that the Merchant Preferred Lease account was never updated and that the document I submitted for that account was applied to XXXX XXXX   XXXX account. Because of this error my credit was impacted and now I am having difficulty getting it corrected both accounts corrected. Furthermore XXXX  is initiating disputes that I did not request.
Product: Credit reporting or other personal consumer reports

I've recently scrutinized my credit report and identified discrepancies in the reporting of certain accounts, revealing inaccuracies that raise concerns. It has come to my attention that these discrepancies compromise the accuracy of my credit profile. In accordance with the provisions outlined in the Fair Credit Reporting Act ( FCRA ), it is clearly stipulated that any accounts featuring inaccuracies on my credit report should be rectified and removed promptly. As a vigilant consumer who understands the rights and protections afforded by the FCRA, I am seeking immediate action to address these discrepancies and ensure the integrity of my credit information. I believe that accurate reporting is crucial for maintaining a fair and transparent credit history, and I appreciate your prompt attention to this matter. 
I've recently scrutinized my credit report and identified discrepancies in the reporting of certain accounts, revealing inaccuracies that raise concerns. It has come to my attention that these discrepancies compromise the accuracy of my credit profile. In accordance with the provisions outlined in the Fair Credit Reporting Act ( FCRA ), it is clearly stipulated that any accounts featuring inaccuracies on my credit report should be rectified and removed promptly. As a vigilant consumer who understands the rights and protections afforded by the FCRA, I am seeking immediate action to address these discrepancies and ensure the integrity of my credit information. I believe that accurate reporting is crucial for maintaining a fair and transparent credit history XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, IL XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$1800.00} XXXX XXXX XXXXXXXX Balance : - XXXXXXXX XXXX XXXXXXXX ( Original Creditor XXXX XXXX  ) XXXX Balance : {$470.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXXXXXX Balance : {$1000.00} XXXX XXXX XXXX XXXX : {$67.00} XXXX XXXX XXXXXXXX Balance : {$53.00} XXXX XXXX  XXXX Balance : {$190.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.
Product: Payday loan, title loan, personal loan, or advance loan

The Loan was for a XXXX XXXX XXXX XXXX XXXX. For XXXX dollars. The terms were no payment for XXXX years. 

I paid the loan off for XXXX dollars within XXXX days thought it was XXXX full. 

The company never told me there was a balance for {$2.00} or XXXX dollars. It kept me on the books charging me interest for XXXX years without any statments reminders or any evidence I had not paid the XXXX dollars at the time of payoff The company now is taking out XXXX DOLLARS A MONTH from my account claiming I owe the the {$500.00} dollars in acrued interest over the XXXX year grace period. 

I have tried to contact them and they do not communicate anything other than I did not pay the full balance ( an error on my part ) and simply will not compromise.
Product: Credit reporting or other personal consumer reports

I just recently looked at my credit report. I wanted to make sure that everything is 100 % correct and accurate. Can you reinvestigate the accounts listed below. 
Account Name XXXXXX/XX/XXXX Account Number XXXX Account Name XXXX XXXX XXXX Account Number XXXX Account Name XXXX XXXX XXXX Account Number XXXX Account Name XXXX XXXX XXXX Account Number XXXX Account Name XX/XX/XXXX Account Number XXXX Reinvestigate the completeness of every piece of information and if its not accurate, please remove it from my credit report I request please that you reinvestigate the completeness of every piece of information and if its not accurate, please remove it from my credit report. 
Based on consumer law 15 U.S. Code 1681i - Procedure in case of disputed accuracy, if within 30 days you can not verify the accuracy of the information, please remove the account from my credit report.

Thank you for your time and consideration in this matter. I look forward to Hering back something positive.
Product: Credit reporting, credit repair services, or other personal consumer reports

I only have one student loan and Equifax is showing it four times with incorrect information. Three times as my loan is in deferment and one that I am past due. The past due is a duplicate account.
Product: Mortgage

Ive made my payments on time and the mortgage company would add my payments to the principal instead of my mortgage and caused a bad report on my credit to which they said they were going to fix and it hasnt happened. The delinquency show up on my credit to this day.
Product: Credit reporting or other personal consumer reports

" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such. 
Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry.

Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit.

Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided
permission for the creditor to access your credit report.

Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor.

Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry.

Identity Verification : If identity t
heft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process.

Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ). 
"
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX apt XXXX XXXX TX, XXXX XX/XX/year> XXXX This CFPB complaint has been filed to request pursuant of FCRA XXXX XXXX ( XXXX U.S.C. Section XXXX ) that you, the TransUnion credit reporting agency XXXX XXXX information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of 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  These accounts have resulted in XXXX XXXX and charge off appearing on my consumer XXXX credit report. I have listed these fraudulent accounts that are on the report that is being maintained by you. I do not recognize the aforementioned accounts, collections, and charge off as reported. The aforementioned accounts, collections, and charge off appearing on my consumer credit report that is being maintained by you were not opened, made, or initiated by me. 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 # as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. 

I request pursuant to FCRA XXXX XXXX ( XXXX U.S.C. Section XXXX ), that the TransUnion credit reporting agency XXXX XXXX of the accounts, collections, and hard inquiries identified in this CFPB complaint from my consumer credit file within XXXX business days of receiving said complaint. I request that all written confirmation regarding this CFPB complaint be sent to me via email to - XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXXXXXX {$36000.00} opened XX/XX/2019 is still reporting on my account but that debt has been discharged.
Product: Credit reporting or other personal consumer reports

ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT XXXX YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND XXXX EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 I filed a written demand set USPS Certified mail # XXXX XXXX XXXX XXXX XXXX for XXXX  to remove the fraud alert placed on my consumer credit file. I DID NOT request or authorize anyone to place a FRAUD alert on my behalf. 

On XX/XX/2018 I filed a written demand set USPS Certified mail # XXXX XXXX XXXX XXXX XXXX for XXXX to remove the fraud alert placed on my consumer credit file. I DID NOT request or authorize anyone to place a FRAUD alert on my behalf. 

On XX/XX/2018 I filed a written demand set USPS Certified mail # XXXX XXXX XXXX XXXX XXXX for EQUIFAX to remove the fraud alert placed on my consumer credit file. I DID NOT request or authorize anyone to place a FRAUD alert on my behalf. 

According to the companys website upon receipt of a written request they will usually remove a fraud alert within 72 hours. 
Its been more than 72 hours since the request was made and the Fraud alert remains. 

This erroneous fraud alert is being publish without my authorization written request, and has caused me to be denied credit. It is of an urgent nature that I am requesting your assistance in have this unauthorized fraud alert removed. Additional I would like the credit bureau to notify each company that has conduct a hard pull of my credit within the last 30 days that the alert has been removed.
Product: Vehicle loan or lease

XXXX XXXX reported me late in the month of XXXX and XXXX when in fact I contacted chase and made both payments over the phone before the due day then after payment was behind chase contacted me and told me that received an erro code when they tried to process the payment. My thoughts are if a company is having a hard time collecting a payment from by bank I would think they would have contacted me sooner with the information thats why I wind up making two payments. this is not my fault. 

Apple Card is still charge me for payments that are not mine and on payments that has been refunded. Then XXXX  reported me late when I was informed that all payments would be paused.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX failed to provide documentation due to it's have the wrong social security on file does not have state identity card number by government law wrong personal use my personal information with a different social security number these should be removed off my credit report should not be reported no more