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

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an Items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

After hearing about the recent CFPB lawsuit concerning zelle, I am sharing my concerns about Zelle 's ability to handle consumer disputes. My last dispute was not handled in a timely manner, nor was my claim investigated properly by Zelle or my financial institution. Zelle has no real consumer protections and is easily XXXX by scammers, and the lack of protections are not made clear enough to the users.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXXXXXX XXXX had purchased an account from XXXX and put it in collections. I received a summons from the law firm they hired XXXX. we came to a settlement agreement which I will attach. I fulfilled the terms of the agreement however the XXXX account is still showing negative instead of paid on my report. I made all communication with XXXX and XXXX through email, but now when I email portfolio about this they only give me a number to call. I have made several attempts with portfolio to have this corrected and to get it reported correctly with XXXX to the bureaus, but they have not been helpful.
Product: Credit reporting or other personal consumer reports

Ive recently filed a complaint with proof of inaccuracy on my credit file. 

Account name : XXXX  XXXX This investigating was asked to remove the whole account from my report due to inaccuracies
Product: Mortgage

Accepted unemployment forbearance from lender JP Morgan Chase. I was told that credit reporting would be suspended during forbearance period of months of XXXX 2015 - XXXX 2015. Unfortunately, Chase reported my mortgage 30 days late for XXXX 2015 and 60 days late for XXXX 2015. I was under impression the unemployment forbearance gave a borrower a period of time of reduced payments to allow time to regain employment and pay the mortgage current? The mortgage was paid current at end of forbearance period in XXXX 2015. If knew in advance that the mortgage would be reported late during forbearance period, I would have not accepted the forbearance. There is bad faith on either JP Morgan Chase 's part or by the VA/government guidelines in explaining the unemployment forbearance? There should be a disclosure that states " negative credit reporting WILL result '' in accepting the forbearance.
Product: Credit card

XX/XX/2023 capital one card, account was opened under my name. I called the company, they stated there wasn't anything could find u ser my name or ss, address nothing. The amount was opened for XXXX credit.
Product: Credit reporting or other personal consumer reports

I am sending to notify you that I have been a victim of fraudulent activity. In my efforts to address the fraudulent items on my report, I discovered that I need to file an identity theft report with the Federal Trade Commission at https : //www.ftc.gov. As per FCRA Section 605B, Credit Reporting Agencies are required to remove any items listed on an identity theft report, reference number XXXX. Enclosed are the documents to assist in removing the erroneous personal information and inquiries from my report. Below is the list of items that were opened without my permission : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ), Credit Reporting Agencies must remove any items in a consumer 's file identified as resulting from identity theft within XXXX business days of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I never applied for the companies.
Product: Credit reporting, credit repair services, or other personal consumer reports

We were working with XXXX XXXX XXXX on a car loan that we fell behind on. It was no more than 60 days behind and we were working with our account manager to make up the payments and make sure it did not get repossessed. We had a series of payments setup so that we can make the current payment plus the past due payment.

Well days before the next payment was scheduled to be taken out, which was scheduled by XXXX themselves, the vehicle got repossessed. 

We then went in to the bank the next day to pay the past due amount plus all the towing, vehicle storage, and bank fees that were accumulated due to XXXX not keeping their word. 

This should have never happened as we setup an agreement with the bank to ensure this situation would not happen. 

We have attempted to verify this in writing through the credit bureaus, but they have not provided us with any sort of breach of contract that would have resulted in a repossession ; and they are reporting it incorrectly.
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat this item is being reported correctly? Who verified this item? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the item listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ITEM? I believe you have not verified this item based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. XXXX XXXX XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was alerted to an unauthorized inquiry for a loan by XXXX on XX/XX/2022. I contacted JPMorgan-Chase and XXXX XXXX the same day. I was informed a second loan application had been made and that both were obviously fraudulent. JPMorgan-Chase assumed me they would seek to removed the inquiries and I have written XXXX XXXX three times in the last six months disputing them. To date the remain in my report having caused a precipitous decline in my score.
Product: Credit card or prepaid card

I received a letter dated XX/XX/XXXX informing me that an account, # XXXX opened in my name at XXXX XXXX and handled by XXXXXXXX XXXX, was transferred to XXXX XXXX XXXX XXXX XXXX. The account number at MCM is XXXX, and the amount they are seeking to collect is {$170.00}. I have never opened an account at XXXX XXXX. I called the telephone number provided in the collection letter and asked to talk to XXXX XXXX, the gentleman who signed the letter and was told by the person who answered the phone that his name was not familiar to her and she could not contact him or transfer my call to him. At the suggestion of the office of the Attorney General, Commonwealth of Massachusetts, I contacted the credit bureau and learned that an account was opened in my name at XXXX XXXX and handled by XXXXXXXX XXXX. I contacted XXXXXXXX XXXX and learned that an account was opened in XX/XX/XXXX with an address of XXXX XXXX XXXX XXXX, XXXX, MA XXXX. My address since XX/XX/XXXX has been XXXX XXXX XXXX XXXX, XXXX, MA XXXX. I received no invoices for the charges from XXXXXXXX XXXX at my XXXX, MA address. The first indication of an account was the letter I received from XXXX XXXX XXXX XXXX XXXX in XXXX of this year. Upon further investigation I learnt that the account was charged off by XXXX XXXX in XXXX of this year and sold to XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX referred the matter to their Fraud Department and I also asked the credit bureaus to place security alerts to my credit files. The Attorney General 's office also suggested filing a report with the Federal Trade Commission which I did. The FTC Report Number is XXXX.
Product: Credit card or prepaid card

Seven fraudulent transactions occurred on my Chase Visa between XX/XX/XXXX and XX/XX/XXXX. These seven fraudulent transactions, totaling {$390.00}, were reported to Chase Cardmember Services as soon as they appeared on the XX/XX/XXXX statement. Chase notified my on XX/XX/XXXX ( 2 and one-half months after my first report of fraud ) that I was not responsible for 3 of the 7 items ( totaling {$120.00} ). They stated that I was responsible for the other four transactions ( totaling {$260.00} ), three of which occurred in XXXX, California 90 miles from where I live. No explanation was given for why I was deemed responsible for the 4 other fraudulent items.
Product: Credit card or prepaid card

I recently placed an order with XXXX ( order number XXXX ) on XX/XX/22 and was promised that my items would be delivered today at noon if I opened a Goldman Sachs Apple account. After placing the order I was told that 80 % of my order would be delivered at a date much longer than the promised date. Upon contacting Apple they refused to do anything and I just noticed that Goldman Sachs has pulled my credit! So I was sold products with a promised delivery date and then said terms were changed AFTER my credit was pulled and an account opened in my name!
Product: Credit reporting, credit repair services, or other personal consumer reports

PORTFOLIO RECOVERY still has this account open when it was paid and settled over a month ago.
Product: Credit reporting or other personal consumer reports

under 15usc1681 of the far I am promised a100 % accuracy on my credit report .Theyi have disputed this account several times and the verified it as accurate which is incorrect .Is different dates different balances different amounts reporting on all the credit bursars. Have never did business with this company. I asked for a purchase agreement and all got was verified as accurate. I am aware of litigation rights and I will be ppersuing legal obligation. of a fine of {$1000.00} per violation
Product: Credit card or prepaid card

I currently carry a large balance, over {$13000.00}, on  a US Bank consumer credit card which I h ave had in good standing since  XXXX . Most of the balance owed is on cash advances, which I took in  XXXX  to help fund a business startup. Since  XXXX , m y FICO credit score , which I track meticulously, has increased by more than  XXXX  points and is currently near  XXXX . Despite this, and despite my other credit card companies having lowered my Variable APR significa ntly, US Bank  is charging me 22.74 % on purchases and 24.74 % on cash advances. When I contacted cardmember services to ask if the bank could lower my rate, given the positive change in my credit and length of time I have had the card ( and never once had a 30 day late payment in over 13 years ), I was told by a supervisor,  XXXX , that my APR has been frozen at 22.74 %. What was especially troubling, is that another customer service rep  at US Bank me ntioned earlier in the same phone call that there was an offer to lower my rate on my existing credit card to 19.99 %, told me that I was eligible for it, then retracted and said my APR was frozen at 22.74 %, so the offer would not apply. When I asked for the reason for my APR being frozen at such a high rate, the supervisor said I was sent a letter as to the reason  one ye ar ago ( which I did not recall receiving ). When I asked if he could retrieve a copy of it, he said he could not. He also offered no explanation as to why my APR has been frozen at such a high interest rate, and why it can not be adjusted downward to a lower rate based on my good credit. Meanwhile, as you can see i n the US Bank  Credit Card statements I have attached, the total interest I am being charged is going up each month, even as I pay the balance down.
Product: Credit reporting

XXXX XXXX Account reporting with a a balance of {$560.00}, a minimum payment of {$330.00}. That information is incorrect, my balance is {$460.00} with a minimum balance of {$0.00} and monthly minimum payment of {$35.00}. I have attached a screenshot of my account as of XXXX/XXXX/2016. Both XXXX and XXXX have updated it however equifax claims that they have verified this false information. I have also attached the letter straight from XXXX XXXX. 

I would also like the remark " Consumer disputes this account information '' removed from XXXX and from XXXX " Consumer disputes after resolution '' I no longer dispute none of these account.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item/account/information below : XXXX XXXX XXXX Date Opened : XX/XX/2019 Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a Federal Perkins loan from XXXX XXXX XXXX XXXX  ( Account XXXX XXXX ), which was serviced by XXXX ( XXXX XXXX account is- XXXX XXXX XXXX XXXX XXXX XXXX In my Federal Student Account the Perkins loan is showing a balance of {$270.00} which is currently being reported incorrectly. The balance of the loan is actually {$0.00} and was paid off in XXXX. The loan is also being reported incorrectly to credit agencies, as a balance of {$270.00} when it should be reported with {$0.00} balance and paid. Please see the payoff letter from the XXXX XXXX XXXX below. 

I have contacted the servicer ( XXXX  ) multiple times and asked them report this Perkins as paid in full and owing {$0.00}. This Perkins loan  has been paid off since XXXX and XXXX has incorrectly been reporting a balance owed from XXXX present day XXXX.
Product: Checking or savings account

I received a notification about a XXXX transaction for {$800.00} and another transaction of {$200.00} on my account which I did not authorize. I have never used the app for anything more than {$50.00}, I do not know the receiver neither did I authorize this transaction. 

I called Capital One immediately after receiving this transaction notification in which they filed a dispute and opened a investigation. A hour or so later they called me back stating the claim was denied and they are choosing to end their relationship with me. I tried to understand why, however I received vague replies with no remorse to what this could cause for me. 

I work for a huge Oil and Gas Co., I am a XXXX graduate student, I would never commit such a thing, and my bank did not back me up, instead they pointed a finger and left me feeling undervalued and un worthy of their financial protection which they promised to give to all customers. I spoke to several managers who also did not give me back a response only want to end the conversation. I am shocked at Capital One treating their customers in such a way.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX account Loan # XXXX Showing on my credit report as being late payments incorrectly. XXXX made errors when adding my bank account for automatic payments and accepted fault. They 're negatively reporting on an account that is current.
Product: Credit reporting or other personal consumer reports

2 days ago my Experian score dropped XXXX points in the middle of trying to buy a house ( not bc of inquiries according to their app ). I know for a fact I have not missed any payments in fact I paid off every debt except one in XXXX  and my credit score had been up ever since so it doesn't make since for that to change 90 days later with no new accounts or missed payments. Furthermore the app does not disclose which account supposedly was reported late so I can't even do an online dispute. I called every support phone number multiple times only to be given self serve robotic options or get hung up on by a bot, additionaly the chat bot was grossly inadequate and could not help or even point me in the right direction or a inquiry email address to reach anyone. It should be illegal to have this power over consumers and refuse to provide a ounce of customer service despite the fact they have been charging me $ XXXX for years for premium service ... More like no service. I believe they are violating FCRA and plan to pursue legal actions soon unless remedied immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

FCRA : NOT MINE : SEE ATTACHMENTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX Resident type Single family XXXXXXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX Resident type Single family XXXXXXXX XXXX XXXX XXXX XXXXXXXX, LA XXXX Resident type Single family XXXXXXXX XXXX XXXX XXXX  XXXX, LA XXXX REMOVE IT : NOT MINE : LOOK UP GOVT LAWS : XXXX XXXX XXXXXXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$730.00} Status Collection account. {$730.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$68.00} Status Collection account. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$150.00} Status Collection account. {$150.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$150.00} Status Collection account. {$150.00} past due as of XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account Number-XXXX
Product: Credit reporting or other personal consumer reports

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE. 

I XXXX XXXX recently received a copies of my consumer reports ( XXXX, XXXX, XXXX ) and I noticed some late payments posted on my consumer report.This company is in clear violation of the law. Pursuant 15 USC1681a2 ( A ) ( i ). Failure to respond satisfactory with deletions of the Late payments will result in legal action being taking. 

Remove late payment on this Account XXXX. XXXX XXXX XXXX XXXX. Acct # XXXX XXXX. Opened XX/XX/XXXX XXXX. ( XXXX showing XXXX XX/XX/XXXX )
Product: Bank account or service

I am currently unemployed, due to my current financial situation between XXXX XXXX XXXX XXXX I was assessed {$430.00} in overdraft fees by BBT. I have exhausted all communication with BBT which ends up in me being frustrated. BBT 's Rep 's are not showing any mercy towards my current situation. An unemployed person can not paid back {$430.00} in bank fees.
Product: Debt collection

I went to prison in XXXX! And they repo my truck and they are still reporting this as a miss payment each month. I need to know how to get this issue taken care of.
Product: Mortgage

SLS Mortgage Company has issued an incorrect XXXX the interest stated is 50 % less than what was payed.
Product: Checking or savings account

My name is XXXX XXXX, and I bank with Capital One Bank. I am reaching out regarding the constant issues I continue to experience while using this bank. For starters, I noticed my banking fees fluctuate monthly on my bank statements without explanation. The biggest issue that I am experiencing at the current moment is the third-party processing issue as of XX/XX/XXXX, I was set to have deposits enter my checking account and I have not received it yet. I have been calling Capital to check and see what the discrepancy was and was told that I have to wait for the processing time frames I have. I checked social media and saw that there is an issue with the third-party vendor. My issue is there was no communication regarding this issue until after it was publicized and then I received an email that night. I feel as though Capital One Bank has not kept up with their promises while upholding my checking/saving account. I have tried to call non-stop as of XX/XX/XXXX, and XX/XX/XXXXXXXX  to get updates on my account and funds and I'll wait for over an hour & the call ends. This bank is playing with my livelihood and my children 's lives. I need to have my funds released to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been sending documents into the credit reporting agencies to remove accounts that have come on my credit report due to fraud and identity theft. I have followed the FCRA. These documents are not being attached and sent to remove these accounts. 

The accounts are : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX I am not getting copies of the verification process from the credit agencies per the FCRA. This is a clear violation of the law.
Product: Credit card

I am disputing the collection account with CHRYSLERCAP, account number XXXX, dated XX/XX/year>, with a balance of {$490.00}. This account is unverified and does not belong to me. Despite my efforts to resolve this issue by contacting both the collections agency and the original creditor, I have not received any satisfactory resolution. I request an immediate investigation into this account and demand that CHRYSLERCAP provide verifiable proof of ownership and validity of this debt. I expect a swift response and the removal of this erroneous information from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). I had my identity stolen and this account must come from that.
Product: Debt collection

Dear Sir or Madam : I recently received a dunning letter from XXXX XXXX XXXX XXXX, of XXXX XXXXXXXX, Wisconsin ( XXXX ), telling me I owe {$40.00} at a XXXX XXXX in my town of residence, XXXX XXXX, Maine. 

The letter states I have an account with XXXX XXXX ( XXXX ). 

I DO NOT have an account with the company or with this particular store in XXXX XXXX. 

I purchase gas at pumps outside the store operated by XXXX XXXX XXXX. I pay at the pump using a debit card. I do not purchase anything inside the XXXX XXXX. 

XXXX says, with fees, I now owe {$75.00}. 

I want collection efforts to cease at once.