23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I am trying to refinance my house but when I pulled my credit report I noticed that my chase credit card is saying that i missed a credit card payment in XXXX. I never missed a payment since i opened the card in 2014. I told Chase that I did not receive the bill but they wont listen to me. I researched on XXXX and the fair credit reporting act says that all information on my credit report must be accurate. This is causing me so much stress and money. Please tell chase that they can not do this to people. 

it is showing a 30 day late payment in XXXX showing on all 3 bureaus
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of the accounts and inquiries listed below from my credit report. As a victim of a data breach, I am invoking my rights under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), which require the removal of fraudulent or unauthorized items from a consumer 's credit file. 
Affected Accounts : XXXX XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX XXXXXXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX XXXXXXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX XXXX XXXXXXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX XXXX  - XXXX - XX/XX/XXXX - {$00.00} XXXX XXXXXXXX - XXXX - XX/XX/XXXX - {$00.00} Inquiries : XXXX XXXX XXXX - XX/XX/XXXX - {$00.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 2nd letter that I am a victim of identity theft and I write to dispute certain items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from alleged identity theft.These items are unknown to me. Also, the information you provided on items are DELETED from other bureaus and I have doubts in their accuracy and they are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 
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
Product: Checking or savings account

About 6 uears who in 2014 I had a checking and savings account at the Citibank in XXXX  XXXX, CA. I am a XXXX XXXX and funds from business are sporadic at best. While doing business with that bank, the company - Citibank - decided that they believed that the account was funded by fraud so they were gping to close it and do a full investigation. They said the available funds would be held for 6 months and then I could get it. After 6 months, I come back, and they say that they couldn't find any evidence of fraud from check owners and payouts. The Banker who was helping me, she said that I could not get the money, and that the account was being closed and the money returned because she thought it was fraud even if Citibank corporate fraud team said it was ok.she provided aCcount closure documentation and told me that the account is closed. I needed this money, because I had {$2800.00} available and I had just gone XXXX. That money would have been the security and housing I needed. 

5 years later. I get a letter in the mail tellinge that the same closed account was about to be put in an abandoned status due to inactivity and that I may lose any money on the accou unless I provide a notarized document verifying my id.i called corporate and they told me that the money was notated as having been ready for release or withdrawal 5 years before. During this time, I lost every single piece of property I owned. I was almost XXXX  9 times in 1 year due to issues created by that XXXX. I was targeted by fake law enforcement groups like the " City park rangers '' and XXXX  impersonators. Fake XXXX paid to stay near you and then steal from you all you have. 

I went back a month ago to try to get the funds again. I provided 2 forms of id. I was told that my documentation wasn't sufficient. I would have to go obtain new id documents. ..stll XXXX. They owe me {$2800.00} in actual cash, and more from my hardship since.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attached an FTC report with 4 fraudulent account and fraudulent inquiries
Product: Credit reporting or other personal consumer reports

CheckR has made my employment impossible due to a pending charge that I havent been convicted on
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute an inaccurate entry on my credit report. According to my credit report, XXXX XXXX has listed certain accounts as charged off. However, I have concrete documentation proving that these loans are not in default, and this claim is false. This misinformation has caused undue harm to my credit score and is a violation of my rights under the Fair Credit Reporting Act ( FCRA ) and Ohio state laws. 

Details of the Disputed Accounts : Creditor : XXXX XXXX Account Number ( s ) : n/a Reported Status : Charged Off Under the FCRA ( 15 U.S.C. 1681 ), credit reporting agencies are required to ensure the maximum possible accuracy of the information they report. Reporting an account as charged off when it has not defaulted constitutes false reporting, which is prohibited under this law. Moreover, Ohios consumer protection laws also mandate that creditors and credit bureaus must report information fairly and accurately, per Ohio Revised Code Section 1345.02, which prohibits unfair and deceptive practices. 

Additionally, in XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX ( XXXXXXXX XXXX XXXX ), the courts reinforced the obligation of credit reporting agencies to conduct reasonable investigations when a consumer disputes the accuracy of information. Reporting a charge-off inaccurately violates this precedent and further illustrates a failure to uphold proper investigative standards. 

To support my dispute, I have attached the following documents : 1. A copy of my credit report highlighting the inaccurate entry. 
2. Documentation proving that my XXXX XXXX loans are not in default. 
3. [ Any additional evidence, such as account statements or correspondence with XXXX XXXX. ] I request that [ Credit Bureau Name ] investigate this matter promptly and delete the inaccurate charge-off entries from my credit report. Failure to address and correct this issue may leave me no choice but to seek legal remedies under the FCRA and Ohio consumer protection laws. 

I appreciate your attention to this matter and expect a written response within 30 days, as required by the FCRA. 

Thank you for your time and cooperation. 

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

On XX/XX/2023 I sent 3 letters to all 3 credit bureaus ( XXXX, Experian and XXXX ) by certified mail, to remove the account that was reporting inaccuratly three different amounts and three different dates amongst all 3 and should be remove from my credit report due to USC 15 sec 1681 i ( 5 ) and those actions have not been done.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently on my Experian credit report its showing a old account with first citizens bank that was paid in full back in 2017 when we traded the car the loan is closed and paid in full when I called first XXXX XXXX I submitted a dispute online to Experian XXXX co whats funny this is not showing on XXXX  or XXXX reports just Experian they said the report was accurate?????? In the dispute sounds like they need to call XXXX XXXX XXXX  and get it straightened thanks for your help the account is for XXXX and was paid off XX/XX/2017 the payment was for XXXX a month
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the late payment status reported on the accounts XXXX XXXX XXXX, XXXX  XXXX, with the credit bureau for several attempts, to no avail.. They did not give me evidence or verification as to why they will not reverse the late payments. I was not late on the month it shows on the report, I have receipts to prove this. CFPB please step up and fix this ASAP please
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear CFPB, I'm writing for sincere assistance with correcting some information on my credit report which is hindering me from gaining employment, and getting financed for housing and an automobile. 

PLEASE VERIFY THEY HAVE MY CORRECT CONTACT INFORMATION. 

Experian is reporting a large amount of erroneous credit inquiry information from multiple consumers. I did not authorize these inquires. These consumers did not have my approval when processing a credit check. This information is negatively affecting my credit score, and I would like it removed ASAP. Please assist me in getting these items removed from my report so I can no longer be bogged down by the negative information which is impacting my livelihood.
Product: Credit reporting or other personal consumer reports

XXXX, Experian, and XXXX refused to accurately investigate or remove inaccurate accounts from my credit report as follows : XXXX XXXX with account number XXXX XXXX XXXX  with account number XXXX XXXXXXXX XXXX with account number XXXX XXXX with account number XXXX XXXX XXXX XXXX with account number XXXX XXXX XXXX XXXX with account number XXXX XXXXXXXX XXXX XXXX with account number XXXX XXXX XXXX XXXX with account number XXXXXXXX XXXX XXXX XXXX with account number XXXX All of the above accounts are reporting inaccurate information and contain different information in all 3 bureaus, which violates 15 USC 1692e.
Product: Credit reporting, credit repair services, or other personal consumer reports

After XXXX i logged into to XXXX XXXX and noticed on my credit report 3 new hard inquiries on my transunion credit report from XXXX and 1 inquire on XX/XX/XXXX that i have no knowledge of i called transunion to dispute the claim and i was notified i had to make a ftc report along with sending in documents. 

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
Product: Mortgage

I have received a past due notice for XXXX dated XX/XX/XXXX. The postmark for this notice was XX/XX/XXXX. The payment was sent via cashiers check on XX/XX/XXXX. 
I have submitted several requests to this office to correct assessed fees to my mortgage account, I am told I must meet in person to discuss my issues. Under RESPA that is not a requirement. Fees were assessed to my annual mortgage account, however I have paid my mortgage on time for the last 26 months. I received an annual audit XX/XX/XXXX that assessed over XXXX to my account in which needed to be paid in ten days or my mortgage would go up. 
On XX/XX/XXXX this Office sent me to foreclosure over a held payment because I did not walk my payment in, rather sent it from my bank. I requested notice of cured debt twice only for this office and their attorney to ignore it. On XX/XX/XXXX I reported this office the Texas Attorney General after they repeatedly reported my mortgage in default 90 days until XX/XX/XXXX when it was abruptly removed after my complaint. 
I am requesting corrections to my mortgage account as well as an itemized statement showing payments to escrow, HOA fees and principal payments, not a summary.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please Read. This is new information. 
XXXX did not have permissible purpose to access my credit report. Even if XXXX has permissible purpose, XXXX did not have my authorization to pay another to access my credit report on their behalf. Why doesnt XXXX pull credit reports themselves? 
XXXX argues as a person, not as a company, that they have permissible purpose to pull credit per FCRA Section 604 ( 3 ) To a person which it has reason to believe. Who is the person this person at XXXX? HOWEVER, to make this worse for the consumer, XXXX THEN hires another company, XXXX XXXX to pull a consumers credit report and has XXXX XXXX company attach their name as the one who pulled the credit report.??? So XXXX argues they have permissible purpose but hires XXXX XXXX to pull credit who does not have my permissible purpose?? XXXX XXXX openly admits they pulled my credit for their client and refuses to give proof that XXXX is their client? 
AND all Credit Reporting Agencies are aware of this happening, but do nothing to stop it. They simply point the fingers at their clients requesting my information. Perhaps the CRAs could institute some policies and requirements to stop this. They are ultimately responsible for consumers information. 
Now a persons information is at risk with XXXX, XXXX XXXX and owner, XXXX XXXX XXXX, and all the other companies affiliated. And later all the companies can stand and point their fingers at each other.
Product: Debt collection

an account was added to my credit report from southwest credit systems L.P. account number XXXX** that is a result of identity theft .... I have never had an account with this collection agency or charter communications in XXXX nc. yet this company has reported this erroneous account on my credit reports when the company is aware that this is a fraudulent account opened with stolen identity information
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Wells Fargo has been withdrawing {$100.00} each month from my account since XX/XX/2021 under the description WELLS FARGO & CO XXXX XXXX XXXX categorized as a other insurance/financial transaction. Ive never authorized this and have no idea what it could be. When I XXXX  it it says something about the XXXX. And, while I was an employee and did participate in the XXXX, any deductions were taken out of my earnings post-tax and were noted in my payroll voucher as such. I have disputed these transactions with Wells and they are looking into it but I do want to submit this in the event that anyone else is experiencing the same thing. This company MUST BE HELD ACCOUNTABLE for all of their extremely shady business [ and employment ] practices.
Product: Credit card

In XXXX, I opened a " healthcare '' acct with Chase with promotional financing. They closed that portion of their business in XXXX, I believe. In XXXX, I managed to finally pay off the entire amount before the end of my " promotion. '' A few months later, I was cleaning my office and found my very first statement from that account. I went online to look at the rest of my statements and could only go back to XXXX XXXX. I then asked repeatedly for the statements from XXXX XXXX XXXX and then from XXXX XXXX XXXX. I received copies of the missing statements. Later I received " copies '' of my statements from XXXX XXXX XXXX. Immediately my account was removed from online access. Well, I actually already had my statements from XXXX XXXX XXXX. The statements I received from Chase were " different. '' So my promotional financing had been to " PAY OFF MY PROMOTIONAL PURCHASE BALANCE IN FULL BY THE PROMOTION EXP DATE TO AVOID PAYING ACCRUED DEFERRED INTEREST CHARGES. '' The " NEW '' copies no longer had the " promotional financing '' written on them because ... CHASE NEVER DEFERRED my interest thus it NEVER ACCRUED. So I ended up paying {$1500.00} in interest, TWO EXTRA YEARS of payments approx {$3600.00}, & working extra hours while I was in school to make those payments. Well I would have actually been okay with Chase just refunding me the amounts and admitting their mistake, but then they decided to commit " FINANCIAL FRAUD. '' I made a complaint on XXXX and their representative, XXXX XXXX, tried to tell me how I did not understand how the promotion worked. Well I consulted around and then noticed my paypal credit statement. SURPRISE!! I knew I was right. AMAZING how a XXXX DOLLAR company would rather commit a Federal Crime, I believe the FBI label it as " WHITE COLLAR CRIME and FINANCIAL FRAUD '' instead of just admitting their mistake and paying the accidental overpayment.
Product: Credit reporting or other personal consumer reports

Equifax are reporting a bankruptcy on my credit report and they have put in the date of furnisher as being the US court of XXXX, ga, which is false. I have a attached a letter from the US court of XXXX ga, verifying and stating that they do not furnish information over ti the credit bureaus or any credit monitoring services nor do they verify or validate any information concerning bankruptcies. XXXX, Equifax and XXXX is falsely stating this information on my credit report and have yet to remove this my credit report. This is also fraud because I never applied for bankruptcy so its not my bankruptcy
Product: Credit reporting or other personal consumer reports

I am writing to formally express my frustration and disappointment with the ongoing issues regarding fraudulent items on my credit report. Despite numerous attempts to resolve this matter, the fraudulent entries remain unaddressed. As a victim of identity theft, I have diligently provided all necessary documentation and followed the required procedures to dispute the fraudulent entries on my credit report. However, despite my compliance and persistence, these items continue to negatively impact my credit score and overall financial wellbeing. I kindly request that you could help investigate and remove the fraudulent items from my credit report immediately and provide a written confirmation once these items have been removed. I trust that you will treat this matter with the urgency and seriousness it deserves. Kindly help me remove the following items immediately : XXXX XXXX XXXX Balance : {$710.00} ; XXXX XXXXXXXX Balance : {$2000.00} ; XXXX XXXXXXXX Balance : {$2800.00} ; XXXX XXXX XXXX Balance : {$1000.00} ; XXXX XX/XX/year> ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$710.00} ; XXXX XXXX Balance : {$2000.00} ; XXXX XXXXXXXX Balance : {$2800.00} XXXX XXXX XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$480.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Withdrawal was made from my checking account for {$5900.00}. I called my bank to find out who authorized this payment and was told it was from a debt collector. I then called said debt collector and was advised a judgement was placed against me for a supposed debt owed in the amount of {$3100.00} from 2008. I was not notified of said judgement or that any legal action would be taken. They are refusing to return my funds. Also more money was taken from me then Is supposedly owed.
Product: Mortgage

MrCooper, an unknown to XXXX XXXX company, bought our mortgage on XX/XX/XXXX. They sat on our account for several weeks and did not send a payment invoice. We received an invoice on XX/XX/XXXX, that showed it was due on XX/XX/XXXX and past due after XX/XX/XXXX, meaning our payment was already late before they sent out the invoice. 

Tomorrow, XX/XX/XXXX, our next payment will be due and we still do not have an invoice for this payment, even though this company bought our mortgage 4 weeks ago. 

I have asked " Mr Cooper '' to defer payments, give us a payment plan or some other solution besides requiring us to send 2 mortgage payments 5 days apart. I have been told there is absolutely nothing they can do for us, and fees will be assessed for late payments if we don't make these 2 payments days apart.
Product: Debt collection

I HAVE ATTEMPTED ON TWO OCCASIONS XX/XX/year> AND XX/XX/year> TO GET A COPY OF THE SIGNED APPLICATION BY ME FROM THIS COMPANY. THIS COMPANY HAS FAILED TO PROVIDE ME THE VALDATION OF THIS DEBT. PER FCRA LAWS THEY ARE REPORTING INACCURATE INFORMATION ON MY CREDIT REPORT
Product: Credit card

Company did not protect " savings '' 'identity ' & denies wrongdoing but has provided documents explaining that I was billed by a phantom merchant.
Product: Credit reporting or other personal consumer reports

I have lived at the same address for XXXX  years. I should only have XXXX name, XXXX address, and XXXX job showing on my credit report. All other information is false and misleading.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello I submitted a dispute with the bureaus about a closed XXXX XXXX XXXX XXXX that have late payments on them and a repo which is in accurate and unverifiable and even sent them proof that the payments they are reporting late are inaccurate i paid those months they are reporting late and they are also saying i had a repo which is not correct. I disputed with them asking them to submit the method on how this information was verified but they sent me no information. i will attach the letters i sent and also my bank statement from those months they claim i was late. 
XX/XX/XXXX i made a payment of {$350.00} for XXXX payment, XX/XX/XXXX I made a payment of XXXX for XXXX payment and on XX/XX/XXXX i made a payment of XXXX these payments were made on time and taken out of my bank account i don't know why the three bureaus still have that i was late and a repo when i was never late or got my car repo on this account. please help me fix this
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize nor approve these inquires. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

XX/XX/2021 received an erroneous letter from Wells Fargo stating XXXX XXXX XXXX XXXX is insuring me for an effective date of XX/XX/2021 instead of XX/XX/2021 for my home owners insurance. They are trying to make me responsible for XXXX that is not my fault.