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

Complaint Regarding Chase Bank, XXXX, and XXXX Dear Sir/Madam, I am writing to file a formal complaint regarding ongoing issues with Chase Bank , XXXX, and XXXX that have significantly impacted my credit score without valid reasons or explanations. 

The crux of the issue lies with Chase Bank 's attempt to transfer the title of my car solely into my sister 's name, effectively disregarding my ownership of the vehicle. This move appears to be an attempt to cover up the theft of my car by XXXX XXXX and the powerful individuals associated with him. I want to clarify that the car rightfully belongs to me, XXXX XXXX, and my sister was merely a cosigner on the loan. 

Moreover, in their recent response to my inquiry, Chase Bank alleged a late payment dating back to XX/XX/XXXX, despite the fact that I made a {$500.00} teller payment on that same day. They claim this was the only delinquency of more than 30 days on my account and that it remained unreported until XXXX when I paid off the account. This information is inaccurate, misleading, and raises serious concerns about the integrity of their reporting. 

Furthermore, XXXX recently dropped my credit score by XXXX points without providing any valid reasons or explanations. This recurring issue has persisted for over a year, causing significant distress and harm to my creditworthiness. 

I am seeking your urgent intervention to rectify these discrepancies and ensure fair and accurate reporting from both Chase Bank and XXXX. Specifically, I request the following actions : XXXX Score Drop : Investigate the sudden drop in my credit score by XXXX points and provide a valid explanation for this action. 
Stolen Car Situation : Review Chase Bank 's response and ensure that they address the theft of my car situation appropriately.

I believe that fair and accurate credit reporting is essential for maintaining financial stability and trust in the banking system. Your prompt assistance in resolving this matter is crucial, and I appreciate your attention to this ongoing issue.
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am submitting this formal complaint against XXXX XXXX XXXX XXXX XXXX ) regarding their failure to remove an inaccurate late payment from my credit report, despite my repeated efforts to resolve the issue directly with them. 



The late payment in question occurred in XX/XX/XXXX under my business, XXXX XXXX, XXXX ( Account # XXXX ). This was the only late payment ever recorded on this account. However, the delay was caused by XXXX failure to promptly resolve issues with my ability to access their online payment portal. When I leased the vehicle in XX/XX/XXXX, I attempted multiple times from XXXX to XX/XX/XXXX to gain access to the portal, making numerous calls to MBFS representatives. Despite my efforts, I was unable to make online payments due to unresolved technical issues on their end. It was only in XX/XX/XXXX that an XXXX representative finally identified the problem and corrected it, allowing me to make payments successfully. 



Although this issue was clearly caused by delays in XXXX system, they have refused to remove the late payment from my credit report, which is unfair and inaccurate. This negative mark has significantly impacted my ability to secure housing for my family. Furthermore, this is a business auto loan, and as such, it should not be reflected on my personal credit report, as I was never in default on this account. 



I request the CFPBs intervention to ensure that XXXX removes this unjust late payment from my credit report and correctly reports this business loan in accordance with applicable regulations. 



Thank you for your time and assistance in this matter. I look forward to your prompt response.
Product: Mortgage

XXXX XXXX XXXX gave my loan to Green Tree. I never received notification. Upon my XXXX payment due they said they did not receive it in the mail so I needed to pay it then with a convince fee of {$12.00}. For the next few years we have been bombarded with ugly messages and harassment. It is my understanding starting with XXXX my loan was not properly signed ... the same with XXXX XXXX XXXX ... XXXX XXXX of Greentree is an awful person ... .she has been very rude to us
Product: Credit reporting or other personal consumer reports

Opened On : XXXX : $ XXXX Reported On XXXX XXXX Due : {$15000.00} Account Condition : ClosedMost Recent Payment : XXXX Responsibility : Individual Payment Type : Installment Months History : 108 Subject : Formal Complaint Against an existing Credit Bureau Practices Dear CFPB , I am writing to formally address the refusal of the credit bureaus to provide a fresh copy of my contract agreement, including my signature, indicating my consent to pay the alleged debt called ( XXXX XXXX XXXX - Account no. XXXX or Account Number : XXXX ). Despite multiple requests for validation, they have failed to produce this documentation. Instead, they have escalated the situation by sending threatening and coercive letters to my family residence, which is unacceptable. 

I kindly request that the CFPB intervene to ensure that the credit bureaus comply with my rights under the Fair Debt Collection Practices Act and cease any further harassment until the matter is properly resolved with the appropriate documentation. 

Thank you for your attention to this matter. 

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

To whom this may concern, This is my 3rd attempt to respectfully request that the CFPB contact the credit bureau in question to reinvestigate my request to have inaccurate, erroneous, and potentially harmful non-validated items removed from my credit report. It is now my belief that Transunion is attempting to initiate stall tactics by responding to the CFPB that The company needs authorization from you to proceed with your complaint.. PLEASE BE ADVISED THAT I DO NOT HAVE A 3RD PARTY ENTITY SUBMITTING ANY DOCUMENTATION OR THIS CFPB COMPLAINT REQUEST ON MY BEHALF!! THEREFORE, NO AUTHORIZATION OF ANY KIND IS NEEDED!! YOU HAVE FULL AUTHORITY TO CONDUCT THIS INVESTIGATION PER MY REQUEST!!

I sent a request to investigate inaccurate accounts on my credit profile on XXXXXX/XX/2021. At the time of this missive, it has been more than 60 days since I've sent my inquiry but I have yet to receive a response. I am looking forward to making some major purchases very soon for the betterment of my family but these inaccuracies on my credit profile are stopping me from achieving my dreams.
Product: Debt collection

Got a credit alert for new collection account on all three of my credit reports. Called the Company ( JEFFERSON CAPITAL SYSTEM LLC ) and explained that this debt was not mine and that I had it removed years ago from my credit reports due to it being a fraudulent account. They also reported the open date for XX/XX/XXXX when this fraudulent account was opened in XXXX of XXXX and closed on XXXX of XXXX. I informed them with this information but they have yet to respond back or remove the fraudulent account I had removed years ago. They are trying to keep this fraudulent account on my credit reports longer by saying the open date was XX/XX/XXXX when in fact this is wrong and they knew this and admitted to reporting inaccurate dates and information that is fraudulent.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please remove these fraudulent accounts listed in the dispute letters attached. I sent this company my dispute stating these accounts were fraudulent. It is XX/XX/XXXX and the accounts are still showing on my credit report. THAT IS ILLEGAL UNDER FCRA 605B LAW. you are criminally & civilly liable. I, XXXX XXXX, Living Person, And Original creditor have solely made this complaint and if stated otherwise would be intentional willful neglect. I have supporting documents presented in this complaint that establishes that the corporations mentioned in said complaints have committed fraud against me since as far back as XXXX. This is totally unacceptable and you must hold these companies responsible as they feel they are ABOVE THE LAW and taking advantage of me and my REPUTATION. The accounts listed in the supporting documents of this complaint CLEARY show that the accounts are not mine and are fraudulent. Pursuant to USC 1695 and FCRA along with FDCPA rights, any unauthorized and fraudulent activity must be removed and blocked from reporting on my consumer 's file. All of this information MUST be blocked within 4 days of this complaint per the LAW. If this fraudulent activity continues I will be forced to start LITIGATION. This complaint should not be closed at any time for authorization needed. As this submitted complaint with attached documents will be my written authorization
Product: Credit reporting or other personal consumer reports

Fair collection and outsourcing, keeps reporting different fraudulent amounts to the credit bureau. XXXX, XXXX, XXXX. I have stated several times that I dont owe fair collection and outsourcing, anything I havent signed any with this company. Im submitting my police report # XXXX to you CFPB to be sent to XXXX, XXXX, XXXX Requesting that Fraud account Fair Collection & Outsourcing be remove off of my credit profile by all three credit bureaus.Transunion, XXXX, XXXX.
Product: Mortgage

I have submitted a previous complaint about XXXX XXXX, however, I want to include Seterus, Inc in this complaint too. My home was " sold '' today and confirmed in court. XXXX XXXX is the one who foreclosed on me but they are no not my service provider. Seterus is my service provider. I never received notice of the new service provider at my home residential address. Apparently, Seterus sent notification of their becoming my new service provider on XXXX XXXX, XXXX. They sent it to my attorney who has been deceased for nearly 3 years. Now, get this, ..my home was " sold in foreclosure '' on XXXX XXXX, XXXX by Seterus ( Not XXXX XXXX ) and it is currently now " real estate owned. '' Also, according to record, I have received a Ch XXXX bankruptcy discharge on the home on the date XXXX XXXX, XXXX. I am in Chapter XXXX at moment to make XXXX XXXX and Seterus prove they have a claim to this home. I was told by Seterus there is no balance on the account and I should be receiving a XXXX showing the amount on the home that was discharged. 
How can XXXX XXXX confirm a sale today, XXXX XXXX, when Seterus was the one who was the provider as of XXXX XXXX, and Seterus sold it to another person through foreclosure on XXXX XXXX? 
Also, the document that shows XXXX XXXX used to provide a transfer of service or document of sale to Seterus is signed by well-known robo signers and also signed on XXXX XXXX, XXXX. However, Seterus is not on record as having " sold '' my home on that date, too. I believe fraud was perpetrated on the Court and on me! I have a recording of the phone conversation with the Seterus representative. I have also transcribed the call into a written format. 
I have now received XXXX discharges on this property ... XXXX in XXXX and XXXX in XXXX. Neither of these properties have the right to foreclose on me!!
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX WI XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

In XXXX, my Sears Citibank Sears Mastercard had several fraudulent charges posted. I was alerted to such charges by Citibank and I contacted them immediately. It took over a week for the charges to finally get taken off. I believe the charges totaled less than {$1000.00}. I thought the issue was resolved and I also requested that the account be closed permanently because this was like the XXXX or XXXX time in about a year that this fraudulent situation had occurred. And, this was not an easy decision because I held that account for well over 25 years. Then in the last week of XXXX, XXXX I had received a letter from Citibank Retail Services ( dated XX/XX/XXXX ) indicating that they were pushing XXXX of the charges back onto my account because they did not have enough support to resolved the dispute. So, now I sit with an approximate balance of about {$260.00} that they expect me to pay. I called them on XX/XX/XXXX and I was told that I had to write them a letter explaining ( again ) why these charges were not legitimate and mail it to them. I find this whole thing so concerning and absurd. At this point, I may have to make make a payment on the account to ensure they do not report me to credit agencies ( and I have excellent credit - so that can not happen ). I am asking for immediate resolution and response from Citibank Sears Mastercard. In the meantime, I will keep trying to reach someone within the US ( Citibank seems to send all their customer call offshore from the US ).
Product: Bank account or service

On XXXX/XXXX/16 approx XXXX, I went to a PNC ATM XXXX XXXX ) inside of a convenience store. The store is located at XXXX XXXX XXXX, XXXX XXXX, PA. I attempted to withdraw {$260.00} from my checking account. I could hear the machine counting the money to dispense, but the door never opened and I never got my money. I stood there for a few minutes, then spoke with the cashier of the store. He stated that service technicians had been in several times that week to service the ATM because it was having issues. I filed a dispute with the bank and was given a provisional credit to my account. The credit was later reversed and they determined that my claim was invalid. They said that the money was dispensed. I filed a second dispute after the credit was reversed and was denied a second time.
Product: Student loan

Hi, In XXXX XXXX XXXXXXXX of XXXX, and XXXX, XXXX XXXX XXXXXXXX of XXXX, I took advantage of two months of forbearance provided by DIscover student loans and XXXX XXXX. These payments have been marked as late or missing payments and have significantly impacted my credit and credit history. I would like to have these late payments removed from my credit report. 

Secondly, I have 2 loans with discover student loans and 1 loan with XXXX XXXX with interest rates between 10 and 12 percent. Because of the hit on my credit from the forbearance mentioned above, I have not been able to refinance and consolidate these loans for a better interest payment. I am writing to see what options are available for consolidation and reduction of my monthly payments and interest rates. 

Thank you, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXXXXXX XXXX  Account Number : XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$620.00}
Product: Credit reporting or other personal consumer reports

I realized that some of the information was erroneous. XXXX Credit Bureaus are required to authenticate these ITEMS under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items 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 items below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I hope this message finds you well. I am writing to follow up on my previous communications regarding the removal of fraudulent items from my accounts. Regrettably, this marks the many formal request for the resolution of this pressing issue. 

Despite my persistent efforts and numerous requests, the fraudulent transactions remain unresolved and continue to adversely impact my financial well-being. These unauthorized activities not only jeopardize my financial stability but also erode my trust in your organization 's ability to safeguard my accounts. 

I urge you to take immediate action to rectify this matter by promptly removing the fraudulent items from my accounts and providing me with confirmation of their removal. Additionally, I request a comprehensive investigation into the root cause of these unauthorized transactions to prevent similar incidents from occurring in the future. 

The presence of these fraudulent transactions on my accounts has caused significant distress and inconvenience, and it is imperative that they are addressed without further delay. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Cash app has been making transactions without my consent and random money from my account missing I tried talking with someone or finding a hotline but it was nothing to fine only to submit san issue I also did that no one got back to me I'm really disappointed.
Product: Credit card

Sears Mastercard charged {$640.00} to my account listing Sears as the merchant and has refused to credit my account even though I never charged anything at Sears. They denied my appeal and have provided to information as to why. I was hospitalized during the period when the charge was made.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute several errors, discrepancies, and unrecognizable accounts that are appearing on my credit report.
Product: Credit card or prepaid card

I HAD APPLIED FOR A BOFA CREDIT CARD IN XX/XX/XXXX BUT NEVER RECEIVED AN APPROVAL EMAIL SO I ASSUMED CARD WAS NOT APPROVED. IN XXXX I THOUGHT OF RE-APPLYING AND CONTACTED BOFA CUSTOMER SUPPORT INORDER TO KNOW MORE ABOUT THE CARD BENEFIT I WAS APPLYING. TO MY SURPRISE, THE CUSTOMER SUPPORT REPRESENTATIVE TOLD ME THERE IS A CARD ISSUED ON MY NAME IN XXXX AND I TOLD HER THAT I NEVER RECEIVED ANY CARD. SHE SAID NOT A PROBLEM AND CAN SEND ME A NEW CARD AND THAT I WOULD GET THE BENEFITS THAT I WAS SUPPOSED TO ONCE I ACTIVATE THE CARD THAT SHE WAS GOING TO SEND. I CONFIRMED MULTIPLE TIMES AND SHE WAS SURE THAT MY BENEFITS ( {$200.00} WELCOME BONUS ) WILL BE COUNTED STARTING XX/XX/XXXX AND ALSO I WILL GET 12 MONTHS 0 % APR. AFTER I SPENT MORE THAN {$500.00} I CONTACTED THE CUSTOMER SUPPORT ONCE AGAIN TO ASK THEM WHY I DID NOT GET {$200.00} BONUS AS I MET THE WELCOME BONUS CRITERIA AND THE REPRESENTATIVE TOLD ME THAT I WONT GET THE OFFER SINCE THE CARD WAS ISSUED ONE YEAR BACK. I TOLD THE REPRESENTATIVE ABOUT THE GIRL WHOM I SPOKE TO EARLIER IN XX/XX/XXXX AND SHE CONFIRMED ABOUT THE OFFER. HE SAID HE WILL INITIATE A REQUEST AND THE CONCERNED TEAM WILL GET BACK TO ME. CASE WAS RAISED ON XXXX XX/XX/XXXX. NO ONE BOTHERED TO CONTACT ME AND AFTER WAITING FOR TWO WEEKS I CALLE BACK AND THE OTHER REPRESENTATIVE TOLD ME THE CASE IS CLOSED AND HE WILL OPEN A NEW CASE AGAIN. I ALSO SPOKE TO A SENIOR MANAGER ( A LADY ) AND TOLD HER THE ENTIRE STORY AND SHE WAS SO RUDE TO ME. I ASKED HER WHY WAS THIS FALSE INFO GIVEN TO ME AND HER ANSWER SHOCKED ME. SHE SAID, 'INORDER TO SELL THE CARDS OUR REPRESENTATIVES LIE ' AND HUNG UP ON ME. I WAITED AGAIN FOR 10-15 DAYS AND CONTACTED THE CUSTOMER SUPPORT AGAIN. THIS TIME A  LADY SPOKE AGAIN AND SHE PROMISED ME THAT SHE WILL WRITE AN EMAIL ABOUT THIS INCIDENCE TO HER MANAGER AND HER MANAGER WILL GET BACK TO ME AFTER ONE BILLING CYCLE. I ALSO TOLD HER PLEASE  ASK YOUR MANAGER TO HEAR THE FIRST CALL I MADE IN XX/XX/XXXX TO ENQUIRE ABOUT THE NEW CREDIT CARD AND HOW THINGS WERE PROMISED TO ME.BUT AGAIN, NO ONE BOTHERED TO GET BACK. 
THEY ALSO STARTED CHARGING ME INTEREST WHEN THEY SAID 12 MONTHS 0 % APR. AGAIN I CONTACTED THE CUSTOMER SUPPORT AND THEY TOLD ME THAT IT HAS BEEN ONE YEAR AND SO THERE IS NO MORE 0 % APR BENEFITS. THE JOURNEY WITH BOFA HAS BEEN REALLY FRUSTRATING, STRESSFUL. I HAVE BEEN ON CALLS WITH THEM FOR ALMOST 10-15 HOURS INCLUDING ALL THE CALLS, SPOKE TO MULTIPLE REPRESENTATIVES, MANAGERS BUT NO ONE BOTHERED TO GET BACK TO ME. I HOPE TO GET WHAT I WAS PROMISED AND WANT THIS TO BE PUBLISHED SO THAT BOFA DOES NOT FOOL ANYONE IN FUTURE.
Product: Credit reporting or other personal consumer reports

XXXX and XXXX, Equifax, and XXXX XXXX XXXX have been incorrectly reporting a XXXX Account for a vehicle in XXXX  for years. The open date, the closed date, and the payment history are all inaccurate. 

Under the FCRA XXXX XXXX XXXX and FTC report that I submitted over XXXX, the information is still being reported inaccurately. Due to its year of maturity, I also asked for a removal of my credit report as it has been reported inaccurately, and my credit is affected. 

This account has already been written off by the account merchant and they never gave me the tax form XXXX - the cancellation of debt, and non-compliance with XXXX. 

I've contacted the XXXX  in regard to this account.
Product: Credit card

Hard inquiries on credit ( identity theft ) - XXXX XXXX XXXX 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 Accounts Opened Fraudulently XXXX - Capital One ( {$1000.00} ) - XXXX  XXXX ( I have always been an XXXX XXXX XXXX customer so this is wrong XXXX {$1500.00}