23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, or personal loan

End of XXXX or Beginning of XXXX they called my cell phone I had Covid and was winded and could barely talk so I handed the phone to my sister ( boyfriends sister ) and when they asked if this was XXXX she said no the employee went on to give out information including payment, told her it was past due, asked her for a payment at no point did they ask for any identifying information to make sure they were talking to me this is a real problem so the next time they called I confronted the employee he apologized however I wanted the issue fixed so I got in touch with the district manager who got my side and then the employees but they differ as to what happened so all they are willing to do is remove the late fee I dont feel this is reasonable because weather Im right or the employee is right they still did not identify identity before releasing information
Product: Checking or savings account

I am a restaurant worker and chose Chase Bank to deposit my paycheck on XX/XX/scrub>XXXX XXXX XXXX based on its convenience and reputation among my coworkers. Many of my colleagues also use Chase for depositing their paychecks and have never encountered any issues. 

However, my experience has been very different. The check I deposited took approximately two weeks to be verified and was eventually credited to my account. Shortly after, my account was restricted without any clear explanation from Chase. 

On XX/XX/scrub>XXXX XXXX XXXX I visited a Chase branch as instructed and met with a banker to resolve the issue. The banker made a call to their internal team but was unable to provide any resolution or clarification. 

As of XX/XX/scrub>XXXX XXXX XXXX I discovered that my account had been closed entirely, leaving me without access to my remaining funds. I have not received any official explanation or guidance on how to retrieve my money or why this situation occurred. 

This incident has caused significant inconvenience, financial stress, and disruption to my daily life. I was unable to access my funds for an extended period, which affected my ability to manage daily expenses and financial obligations.
Product: Credit reporting, credit repair services, or other personal consumer reports

This involves Experian, XXXX and XXXX. The case about debt collection with National accounts systems is in court. The judge dismissed the request for a summary hearing. Yet for the past year these 3 credit report bureaus have been affecting my scores by reporting it as a collections I owe. I dont know if they are higher than the law or the courts in the land. I sent them a copy of the judgement and they still did nothing about it. Experian did not even bother to respond.
Product: Credit reporting or other personal consumer reports

I am writing to dispute information on my credit report that I believe is a result of identity theft. The fraudulent accounts listed do not belong to me, and I request your assistance in Investigating and resolving this matter.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint against Equifax for their continued reporting of account XXXX, associated with XXXX XXXX, despite their claim that the account was not reporting on my credit file as stated in their response to CFPB complaint XXXX dated XX/XX/year>. As of XX/XX/year>, this account is still present on my Equifax credit report, as evidenced by the attached documentation, including the credit report and Equifax 's previous correspondence. This account has been removed by both XXXX and XXXX, further demonstrating its inaccuracy. Equifax 's failure to delete this account constitutes negligence and a violation of the Fair Credit Reporting Act ( FCRA ), which mandates that credit reporting agencies ensure the accuracy and integrity of information. Furthermore, the entity in question, XXXX XXXX XXXX, has a documented history of consumer protection violations and penalties. Refer to the following resources for detailed information : XXXX XXXX XXXX XXXX XXXX XXXX  These records clearly show a pattern of misconduct by XXXX XXXX, which underscores the need for heightened scrutiny and accountability when reporting their accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

Greetings. 

I sent a disputes letters to the credit bureaus sunch as Experian, XXXX and XXXX, but they are not doing anything to solve my problem, I have inaccurate information on my credit report that is affecting my credit score, i want to resolve this as soon as posible.
Product: Credit card or prepaid card

To show it may concern I XXXX XXXX have an issue with discover credit card for something that was promised to me and something that was notated in the system as to receive an adjustment credit of XXXX after completing the XX/XX/XXXX payment as agreed. 
I Am not talking about the credit adjustments discover gave me for the first 2 payment made I receive those adjustments the one Im having a concern about is thr one of XX/XX/2018 I spoken to a representative that enrolled me in to the auto pay payments. s we discuss my account she saw that there was notes saying that after I have completed the XXXX payment of XX/XX/XXXX once the payment had finished process and posted in the account I would get a XXXX credit adjustment for the month of XXXX As I paid the XXXX Days have pass by and nothing has yet been adjusted I repeat this is regarding the XXXX payment not Any other month I Also have that call recorded as all of my calls get recorded for a special reason that for all of my payments I had problems before with different banks and everything was recorded situar I can prove everything we said and discuss is in the recording. 

I am dissatisfied and disappointed at discover for promise someone something and than not doing it. 
I think I deserve it I work hard to become current and have my account back on track
Product: Credit reporting, credit repair services, or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as unverified information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an immediate update of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Bank account or service

I have account with Citi bank for almost 10 years. I was trying to login to my account but it was asking me about my new debit card that i supposed to received, i never received so i called the customer service, the citi bank representative trying to send me the replacement when she verified my address she said that there was some problem in your address, we sent to the different address. I explained her that I receive all my citi bank mail on this address for the last 2 years and never had any mailing issue. when i asked can you tell me what is my current address and when this got changed. she said she ca n't share these info. i request to talk to supervisor, she said we have the same mailing address and she came with another story that your account has been closed few days ago due to overdrawn., I told her that citi bank closed all their location in my sate ( Pennsylvania ) long time ago. the only way to access my account is online or through ATM. i did n't have access to it. i asked for solution. she said no solution to it.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom it may concern, This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. 
Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 


XXXX. XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 


Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. PLEASE DELETE ALL ACCOUNTS THAT ARE NOT METRO 2 COMPLAIANCE Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately.

PLEASE BE AWAR THAT DEPENDENT ON YOUR RESPONSE I MAY BE DETAILING ANY POTENTIAL ISSUES WITH YOUR COMPANY VIA ONLINE PUBLIC PRESS RELEASE INCLUDING DOCUMENTATION OF ANY POTENTIAL SMALL CLAIMS ACTION. I AM ALSO INCLUDING A COPY OF MY COMPLAINT TO THE ORGINATION BELOW : CC : XXXX XXXX XXXX XXXX OF XXXX CONSUMER FINANCIAL PROTECTION BUREAU CC : CONSUMER FINANCIAL PROTECTION BUREAU CC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX CC : COMPTROLLER OF CURRENCY CC : CREDIT AND INSURANCE CC : STATE REGULATORY AGENCY
Product: Payday loan

I was in a accident and doctor bills and travel started mounting causing extra expense so I started a debt consoldation program but the advance company branch refuses to work with the debt consoliation company telling me they would turn me in to collections refusing to accept any payment from the consolidation company
Product: Credit reporting or other personal consumer reports

A negative item on my credit report does not meet the XXXX reporting requirements. I do not recognize how and why it is reporting. I requested for Experian to delete it immediately. The Payment dates are displayed inaccurately. XXXX payment was paid on time. Experian investigated but found the company to report accurate information even though it is inaccurate.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX/XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX  XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX  XXXX  XXXX/XXXX/XXXX XXXX XXXX XX/XX/XXXX XXXX  AXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XX/XX/XXXX XXXX XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Checking or savings account

One XX/XX/2021 I initiated a transfer from my Chime Spending Account in the amount of {$200.00} into my external account. XX/XX/2021, I received an email update on transfer stated the transfer was unpaid indicating there maybe unauthorized activity on my linked account resulting in a temporary suspension until i could verify ownership of account. I sent copies of my Gov I.D, also copy of bank statements from external bank. and proof off address. After not being able through several attempts to get this resolve i asked to have my account deleted and account balance refunded, only to be told those funds from my account will not be refunded.
Product: Debt collection

Hunter Warfield has not complied with the law to give me a remedy regarding a debt that I asked for validation on or about XX/XX/XXXX. I sent a letter, via certified mail return receipt, explaining to the company that I did not recognize the debt being reported to the credit reporting agencies, as I am a victim of ID theft. I confirmed with the post office that my letter was signed for. 

However, I never received the return receipt confirmation from Hunter Warfield. I waited for debt validation for over 45 days and never received the validation. After the 45 days, I filed an ID theft report with the FTC and all 3 credit reporting agencies. Additionally, I sent a second letter to Hunter Warfield explaining to the company that it failed to validate the debt of XXXX XXXX, and how it was a debt resulting from ID theft ; therefore, I am requesting it be removed and blocked from my credit file. As of today, XX/XX/XXXX, the debt is still reporting with a limit increase ; however, I finally received a letter from Hunter Warfield at the end of XXXX stating they would not continue collections on this account until a investigation was complete within 30 days. 

My issue with this investigation is that Hunter Warfield is attempting to shift the burden of proof of my ID theft to me, victimizing me a second time, as if, I committed the crime of ID theft. The company failed to address any of the questions I asked in my debt validation letter. Additionally, it did not give me due process at law when they ignored my first attempt to address the validation of debt. This process is all new to me, and I did not know that I had all of the remedies in law to protect myself against ID theft or fraud to my credit. Thus, I have experienced many credit fraud since about XXXX. Maybe I did not express my letters according to an attorney ; however, that does not give Hunter Warfield the right to ignore mail, as consumers are protected by the United States Post Office. I am spending a lot of money for postage to address my ID theft issues ;  therefore, I expect due process.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 


Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Inquiries : XXXX XX/XX/year> XXXX XXXX - XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

I currently have some hard inquiries on my credit report that should not be there Ive never applied for any of these bank 's. 



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

Purchased XXXX in ether crypto currency from XXXX on XXXX. 

Then purchased XXXX in balancer on XX/XX/XXXX. Account still not verified and I now sold ether on XX/XX/XXXX. Unable to withdraw funds in any form. 

Ive sent multiple emails to have this verified and ensure my account was verified. No response. Only bots respond.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tirelessly disputed the XXXX inaccurate bankruptcies to no avail thus far with Experian. Consequently it is causing me tremendous punitive damages, emotional destress, and financial setbacks, conversely causing me to miss out on countless opportunities to reestablish my credit standing and build my new business. 

Attached are supporting documents from XXXX, US Bankruptcy Court, XXXX, XXXX, and XXXX for your immediate review- which corroborates my many unsuccessful attempts/disputes.
Product: Credit reporting or other personal consumer reports

This hard inquiries doesn't belong to me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Ford motor credit and XXXX continue to deny any wrong found in credit reporting. I have filed multiple disputes that the information being furnished by the credit bureaus is incomplete and inaccurate. Completely violating my consumer rights under 15 USC 1681eb and 15 USC 1681s-2b. FIX THIS NOW OR GET SUED.
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX. XXXX - XXXX
Product: Credit card or prepaid card

I noticed some unauthorized inquiries from the following lenders. 

CREDIT ACCEPT CORPXXXX CAC ( Finance ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please have this information updated as soon as possible.
Product: Credit reporting or other personal consumer reports

XXXX recently ( in XX/XX/2023 ) closed a XXXX XXXX XXXX XXXXXXXX account based on information contained in my credit report on other non XXXX  accounts that are in dispute. I never gave XXXX permission to check my credit report and to check other accounts that have nothing to do with XXXX. As per the FCRA XXXX must send proof that I gave written consent to report the XXXX XXXX XXXX XXXX account and proof of my written consent to check my credit report in XX/XX/2023. XXXX will also need to send proof to support their claims that the other non-XXXX accounts are " valid '' and " delinquent. '' XXXX must send the contracts for these other accounts. Otherwise I will have to pursue litigation for XXXX for conspiring with the credit reporting agencies and the other institutions to violate my rights under the FCRA.
Product: Mortgage

I have been trying to refinance this mortgage for 4 years and even though the company responded to me in XX/XX/2022, they did not answer the question. I asked for a breakdown of all the extra charges they added to the payment. Now I finally obtained a company who will refinance but my mortgage statements claim I owe about $ XXXX and the want a payoff of $ XXXX. This is a {$67000.00} difference! I can not close until this is resolved and it has been going on for months. I lost the original lock in amount of 3.5 % interest and now it is up to 8.56 %. PHH has cost me not only an interest rate loss on refinancing in addition to $ XXXX In charges which they can not explain. Every day I do not close on this loan is costing me a fortune. I will not pay them $ XXXX and then try to recoup it later. I am a XXXXXXXX XXXX XXXX and do not have extra money to obtain an attorney. I wrote the Attorney General who requested a full breakdown a month ago but no response. I need help! Why should I take a mortgage out for more than I need to pay it off. It is higher than the original mortgage! They have added charges not due to them. This needs resolution immediately before there is another interest rate increase. I will lose the current rate of 8.56 % if it is not addressed. Why should I have to suffer for their laziness? This is a tactic to not let me refinance with another company. No freedom of choice at this point.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I contacted Experian about a fraudulent account ( XXXX ). Early in 2020, they responded and removed the account ( There report number XXXX XX/XX/XXXX20 ). Attached is proof of the dispute results. Shortly after, another company called XXXX XXXX picked the account and put in back on my credit report. I have contacted both Experian and XXXX XXXX about the fraudulent account with calls, notarized letters and submitting disputes through there sites. But no luck
Product: Debt collection

I filed a hardship charity request with XXXX Medical Center and they told me the debt would be forgiven
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
XXXX XXXX XXXX XXXX XXXXXX/XX/year>