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

I have been a cardholder for XXXX years, perfect payment history. I pay all my bills on time and had excellent credit. I was XXXX late XX/XX/2023 and they reported me to credit agencies. This is completely unfair, as most companies give 10 days grace. Being as that Ive been a very good account holder and have excellent payment history I feel this was completely unfair and negligent in taking care of their good paying customer. Should I really be punished by dropping my score XXXX points for XXXX  day late payment in the middle of the holidays. They have given me XXXX grace and its disgusting. I have called and spoken to over XXXX people and opened XXXX separate cases with XXXX. I dont know what to do anymore. This is a negligent and terrible treatment of a customer who pays this bill along with all other bills in a timely fashion. They refuse to reverse this - I wAS XXXX DAYS late! Look at my credit and payment history on every account, I dont exactly have a record of bad payment. You are ruining my credit and its horrifying that I cant get it charnged aster almost a year of calling and dealing with this. PLEASE REVERSE this and give me the respect and kindness I deserve. Thank you. XXXX
Product: Credit reporting or other personal consumer reports

I have sent several letters and emails trying to get information removed from my report. I have also called and paid professionals also try to have information corrected on my report. I have already submitted identity theft reports. I have opted out of prescreens and all other inquiries. I have also added a fraud alert and freeze to my account. Despite doing all of this, Experian is still allowing companies to submit invalid information on my account. Whenever I dispute the information, they reply back that the information has been validated. Well how did they validate it? What documents show that the information is supposed to be on MY consumer report? I know that I didn't authorize the info to be reported. I've opted out of everything. What exactly proves that the info should be there? What process did you use to make sure the information was supposed to be on my report before adding it to my report. Did you check with me first before adding information to MY consumer report? No one has permission to access my account or report. Experian is using my personal information for their benefit while using that same information to cause damage to my report, financial wellbeing, business, and life overall. I'm tired of asking them to do the right thing. They pretend to review, validate, and remove disputes, but they don't and could care less about how they're impacting the very same people who they make a profit from with their personal information. Then they send a general response stating that my request was illegible like they can't read typed writing at size XXXX font. This is abuse and they're forcing me into peonage. That's a violation of Human Rights. Their power of attorney and right to use my information has been revoked. FCRA states that you're supposed to have accurate information meaning that every credit bureau should have the same exact information with companies, amounts, and dates matching. That is not the case. Remove the information.
Product: Credit reporting or other personal consumer reports

Recently I did an investigation on my credit report and found several items on there to be inaccurate. 
Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shalli ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

Please remove the following items from my credit report, immediately : Transunion XXXX XXXX XXXX XXXX XXXX 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 Experian XXXX XXXX XXXX XXXX XXXX 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 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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this CFPB Complaint once again to express my extreme dissatisfaction and outrage regarding the fraudulent items listed on my credit report. It is unacceptable that there are several items that I did not open or have any knowledge of, and it is clear that my identity has been stolen. The items in question, which include : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX AR XXXX XXXX Balance : {$8800.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX  Balance : {$2500.00} XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX Balance : {$4000.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$1000.00} XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX  XXXX XXXX Balance : {$570.00} XXXX XXXX Balance : {$0.00} XXXX XXXX  Bankruptcy XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX Bankruptcy XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, are a blatant violation of my rights and have severely impacted my financial standing. I demand that you take immediate action to investigate and remove these fraudulent items from my credit report without delay. As a consumer, I have the right to dispute any inaccurate information on my credit report, and it is your legal obligation under the Fair Credit Reporting Act to conduct a thorough and prompt investigation into this matter. I expect to receive a written response from you detailing the results of your investigation and the actions you have taken to rectify this situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2021 I contacted the the creditors about XXXX/XXXX  XXXX  being an account I didnt open. they told me to pay the balance and they would remove it even if it wasnt me. 

XX/XX/2021 I also contacted XXXX/XXXX  with the same problem and they offered me to pay. I did and no results.

I submitted a FTC report and locked my credit.

Every Bureau deleted except EXPERIAN.

Ive wrote them letters and they refuse to even correct the new information. They are making my life hard because if identity theft.

Account need to be deleted from Experian : XXXX/XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Check deposited : XX/XX/2024 Check amount : {$29000.00} * What happened : What occurred was the deposit of a certified check at Chase bank for the specified amount, after which the funds became available following clearance of the check. Shortly after, notification was received stating that the Chase Business Checking account would be closed due to Chase 's inability to contact the issuer of the check, which was from XXXX, an XXXX XXXX XXXX XXXX that serves as a protected series cell within XXXX XXXX XXXX. This is not a public company and is not searchable on the internet. 

* Actions taken : In an attempt to verify the issuer, a point of contact was provided to Chase, which is the holding company responsible for managing both XXXX and XXXX, XXXX. XXXX XXXX XXXX, XXXX. The response given was that XXXX acts as the manager on record for both entities, and if Chase was attempting to locate XXXX via internet search, they would not find it as it is not a public company. Additionally, notarized documents from the issuer and all accessible corporate documentation were submitted to Chase via the NJ Department of Treasury. The issuer even provided a direct phone number for contact. 

Despite these efforts, Chase declined to accept any of the information provided, including acknowledging the issuer 's attempt to reach out, and stated that only the company present within their internal directory would be considered. This is an obviously a deceptive practice, where they disregard Notarized letters as a source of verification. 

* Results : As a result, Chase has refused to return the funds and has decided to hold the funds for a period of 24 months / 2 years to " verify '' the issuer while closing the Chase account within 5 business days.

We have email correspondence with the check issuer to confirm all details, however, Chase refuses to acknowledge this and continues to hold my rightful funds.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am reaching out to report multiple inaccuracies on my credit report that the credit bureaus have failed to correct. These errors include addresses where I have never lived, outdated employment information, and name variations that do not accurately represent me. Furthermore, several inquiries appear on my report without my consent or knowledge. These inaccuracies are not only misleading but also violate my rights under the Fair Credit Reporting Act ( FCRA ), which mandates accurate and verified information. I have contacted the credit bureaus to rectify these issues, but no action has been taken. I am requesting the CFPB 's assistance in enforcing a thorough review to ensure these items are corrected, as they are affecting my credit reputation and potentially my ability to obtain necessary credit and employment. 
Thank you for your assistance in this urgent matter.NQUIRY - XXXX XXXX XXXX - XXXX INQUIRY - XXXX - XXXX INQUIRY - XXXX  - XXXX NQUIRY - XXXX XXXX - XXXX INQUIRY - XXXX XXXX XXXX - XXXX INQUIRY - XXXX  XXXX XXXX XXXX XXXX XXXX INQUIRY - XXXX XXXX XXXX XXXX  - XXXX INQUIRY - XXXX XXXX XXXX XXXX - XXXX INQUIRY - XXXX  XXXX XXXX XXXX  - XXXX INQUIRY - XXXX XXXX XXXX  - XXXX INQUIRY - XXXX XXXX XXXX  - XXXX INQUIRY - XXXX XXXX  - XXXX INQUIRY - XXXX - XXXX INQUIRY - XXXX - XXXX INQUIRY - XXXX  - XXXX INQUIRY - XXXX XXXX  - XXXX INQUIRY - XXXX - XXXX INQUIRY - XXXX - XXXX INQUIRY - XXXX  - XXXX INQUIRY - XXXX XXXX  - XXXX INQUIRY - XXXX XXXX XXXX XXXX INQUIRY - XXXX - XXXX INQUIRY - XXXX XXXX - XXXX INQUIRY - XXXX XXXX - XXXX INQUIRY - XXXX XXXX  - XXXX INQUIRY - XXXX XXXX - XXXX INQUIRY - XXXX - XXXX INQUIRY - XXXX  XXXX - XXXX INQUIRY - XXXX XXXX XXXX  - XXXX INQUIRY - XXXX XXXX  - XXXX INQUIRY - XXXX XXXX - XXXX INQUIRY - XXXX XXXX - XXXX INQUIRY - XXXX - XXXX
Product: Money transfer, virtual currency, or money service

XX/XX/XXXX transfer XXXX, XXXX XX/XX/XXXX XXXX transfer XXXX XX/XX/XXXX & XX/XX/XXXX XXXX deposits were deposited into my account XXXX each. I did not deposit these checks, I did not endorse these checks with a signature plus these checks were deposited with an I phone to witch I have an XXXXXXXX XXXX 

XX/XX/XXXX / XXXX transfers from XXXX XXXXXXXX for XXXX XXXX and XXXX for XXXX I did not make these transfers XX/XX/XXXX / XXXX XXXX transfers I have never had the XXXX XXXX XXXX XXXX XXXX XXXX transfers to XXXX XXXX XXXX, XXXX, XXXX and XXXX to XXXX XXXX XX/XX/XXXX / XXXX XXXX transfer to XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX transfer to XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX transfer to XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  transfer to XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX transfer to XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX transfer to XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX transfer to XXXX XXXX XXXX XX/XX/XXXX XXXX transfer to XXXX XXXX
Product: Debt collection

Today is XX/XX/2018. For at least a month, I have been receiving calls from Sunrise Credit Service ( SCS ) about a bill they claim that I owe XXXX. I did owe money to XXXX but I paid them even before SCS started calling. I told SCS that I had already paid the bill. That did not stop them. I sent proof that my balance was {$0.00}. That did not stop them. I told them that they need to send me proof that I owe this bill. They refuse. I have contacted XXXX, they claim that my bill is paid and they have no knowledge of a credit issue. I contacted XXXX, they didn't even know who I was nor anything about a debt collector. Now SCS is claiming that they will put this on my credit report. They call on multiple numbers from multiple area codes. They call morning, evenings and weekends. 
They called today. 
I can provide proof of the bill having been paid. 

What can I do?
Product: Money transfer, virtual currency, or money service

On the pay period of XX/XX/XXXX, my paycheck was not deposited into my direct deposit account. Upon further investigation, I discovered that my banking information had been changed without my consent. The direct deposit page no longer displayed my original account and routing numbers, which I had initially set up for payroll. Instead, a different account and routing number, not associated with me in any way, were shown under my direct deposit. 

I promptly contacted XXXX, the payroll company, and explained that the funds were deposited into an unknown account, likely due to fraud. Despite multiple conversations with various staff members, including supervisors, managers, and the XXXX, XXXX has refused to re-issue my paycheck to my correct account. They stated that they would not be pulling the funds back from the fraudulent account and would not be issuing me my missing paycheck either. 

It is evident that my payroll account was accessed by an unknown source who altered my direct deposit information without my consent, resulting in my paycheck being deposited into another account. Despite presenting this situation to XXXX, they have failed to take corrective action or provide a resolution. 

I am seeking the CFPB 's assistance in resolving this issue and ensuring that my paycheck is re-issued to my correct account. Additionally, I request that steps be taken to prevent such fraudulent activities in the future and to hold XXXX accountable for their inaction and lack of support in this matter.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX and I'm not filling this claim in the 3rd person. I am a living woman whose privacy rights have been violated. The accounts listed below have reporting to my personal reports and have had a negative effect on my life extremely reducing the ability to obtain any credit in my name. 

XXXXXXXX XXXX XXXX XXXXXXXX - {$11000.00} Collections : XXXX XXXX XXXX - XXXX Collections XXXX XXXX XXXX XXXX XXXX XXXX  I looked at my credit report on ( Date ) and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

AND according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Some of these accounts have no number and are just listed on my reports as XXXX 's. This is absurd. 

I have these companies to validate and send proof that these accounts belong to me with contracts I signed in wet signatures. So far they have not done this.
Product: Debt collection

Midland Credit managment has been calling my phone up to 3 times a day every day of the week, through different phone numbers. I have told 2 separate callers that to stop calling my number. I have blocked each number they call from now, but i am still receiving new calls from new numbers multiple times daily
Product: Credit reporting, credit repair services, or other personal consumer reports

After a dispute, XXXX XXXX XXXX verified incorrect information on my XXXX   Credit Report. In XX/XX/XXXX I first became delinquent on my XXXX XXXX Credit Card. The account was charged off in XX/XX/XXXX. Up until XX/XX/XXXX the account had the correct payment history and charge off date of XX/XX/XXXX reported on XXXX. 

I paid the account in full ( {$140.00} ) on XX/XX/XXXX. The next month, XX/XX/XXXX, my XXXX  showed that my XXXX XXXX Credit Card was charged off on XX/XX/XXXX. They reported the charge off again on XX/XX/XXXX. This information was false so I disputed it on both my XXXX report. The company then verified the false information and the dispute was closed. 

I wrote and called XXXX XXXX to try to get this false information corrected. I have received no response. I spoke with the credit reporting agencies and they said there was nothing I could do other than file a complaint.
Product: Student loan

I reached out to XXXX XXXX and later, Navient, to try and consolidate my private loans with them ; however, every time it was met with absolutely no help or solutions to help me in repaying my loans. I literally send them {$100.00} a month just so it shows I 'm making an effort, but it 's doing nothing to help me actually pay the debt off. It 's ridiculous that they make it so hard for people trying to do right and pay back their student loan debt. My federal loans are through XXXX and it was extremely easy to consolidate all loans into one payment that I can afford and pay back so it actually does something for my loan balance. Please help!
Product: Credit reporting or other personal consumer reports

HP SEARS COMAPNY XXXX # XXXX XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX # XXXX I am writing to formally dispute the collection accounts reported on my credit report. These accounts was added without my consent, and I believe they are inaccurate. 

Please provide validation and documentation proving that this debt is mine and that I authorized its reporting. In the absence of such proof, I request that you remove this account from my credit report immediately. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Debt collection

I received a call from Someone named XXXX XXXX claiming to be a representative of the state, and that she needed to verify who I was so she could bring me a subpoena. She kept calling after I told her not to as well as calling a friend who I was in the XXXX with over 20 years ago, and other people from my past. I asked where her office was and she did not provide any information. I check my credit report on a weekly basis, so I know this was an unusual attempt to gain information from me. I called the XXXX number that they gave my friend and it was Midland Corporation. I looked them up to find that they have thousands of complaints against them. I have no dealings with this company, so I need them to stop trying to interrupt my life. I want them to cease and desist all attempts of communication, I do n't know them or owe them anything. here is the number XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive sent dispute letter for items on my credit report XX/XX/20. I still have not received investigation results. The debt that is trying to collect are not mine. I demand items to be removed immediately
Product: Mortgage

XXXX XXXX XXXX XXXXXXXXXXXX XXXX To XXXXXXXXXXXX XXXX XXXX at XXXX PM Good morning CFPB, I want to let you know that Bank of America is not willing to help us with a Loan Modification, I have been sending documentation since XXXX, XXXX. Just recently as of XXXX XXXX, XXXX they have Foreclosed on my property at XXXX XXXX XXXX XXXX CA. Bank of America stated that the investor called XXXX XXXX and their partner XXXX XXXX XXXX I was told that the Investor is not accepting our proof of rental income being received, they say that the written receipts are not sufficient and that the proof has to be shown through a bank statement. The thing is is that we do n't deposit the rent money in the bank, it goes directly to the Mortgage payment, I have been providing the rent receipts since XXXX XXXX and Bank of America states the investor is not accepting the proof. So they are setting me up to fail and not helping us with any XXXX XXXX. Bank of America has many programs to help homeowners keep their house, I believe that between the XXXX parties involved that XXXX of them could if they wanted, would help us and approve us for a Loan. The investor stated that they could not structure a mortgage payment that we can afford, my response to that statement is that we all know that the home at XXXX XXXX XXXX XXXX CA XXXX is a Rental and we receive {$1000.00} per month from the Tenant and the home is occupied. I know that XXXX, who is the investor, is able to take the {$1000.00} dollars and structure some kind of Loan Modification payment. They also stated that we do n't make enough to cover the so called new payment, which they will not say how much is needed to afford a new payment. I have nothing to go by, the good thing is that we did get an approval for my wife 's XXXX XXXX, and have been given the amount that I can submit to Bank of America. Bank of America said that the investor is the one not allowing them to approve a loan. I have sent my complaint to the CFPB and have open and closed inquires. I am responding to their response, they stated that we were in XXXX XXXX, the consumer applied for a short sale ; which was cancelled a few months later because consumer was uncooperative. I worked with a XXXX XXXX agent and we gave her all documentation that she and the Bank requested, so Bank of America and XXXX are the ones that are being uncooperative and did not allow the Short sale. This is why I keep fighting for a Loan Modification, and will not agree to a Short sale, because their past practices is not trusting. I also am requesting from you to check on the this Investor to see if they are legit, I know that they were part of an investigation by you not to long ago, please help us keep our home Thanks for your time. 
XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXXXXXXXXXX XXXXXXXXXXXX XXXX XXXX