23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Dear CFPB : Chase responded to our claim of wrong IRS Form XXXX ( Copy B ) for XX/XX/XXXX & XX/XX/XXXX ( CFPB # XXXX ; # XXXX ). Their letter goes : Dear XXXX & XXXX XXXX : We received your request to update your loan. 
According to our records, the amounts reported on your Form XXXX ( Mortgage Interest Statement ) for tax years XXXX and XXXX are accurate. 
In XXXX, the amount of interest reported to the IRS was a total of 7 months of payments including your XXXX through XXXX for a total of {$5800.00} in interest paid. Your net interest payments reported to the Internal Revenue Service ( IRS ) are {$5800.00}. 
In XXXX, the amount of interest reported to the Internal Revenue Service ( IRS ) was a total of 12 months of payments including your XXXX through XXXX for a total of {$10000.00} in interest paid. Your net interest payments reported to the Internal Revenue Service ( IRS ) are {$10000.00}. 
Chase Here are problems : ( 1 ) Chase says that, in XXXX, they reported to IRS that our interest was {$10000.00} ; but Copy B we received says {$8800.00} XXXX see attachment ). 
If {$8800.00} was wrong, we must file an amendment to IRS. 
So, we want to receive a correct XXXX Form XXXX from Chase. 
Chase must be correct this time since we think that the figure should be ~ {$9900.00}. 
( 2 ) Chase says that, in XXXX, they reported to IRS that our interest was {$5800.00} : 7-month payments for the year. 
This must be wrong. 
Since we made 12-month principal payments ( which made the remaining mortgage balance {$350000.00} and current ) for the year, the interest payments must be for 12-months. 
We hope Chase could promptly straighten up their accounting mess.
Product: Debt collection

1. Debt Collector never properly validated the debt.

2. Debt Collector never provided a copy of Original Purchase Agreement that shows that they legally own the debt.

3. Never produced proof that they are legally able to collect in my State, nor have they shown or proved that they are bonded in this State.

4. Without providing required information under the law they are reporting on my credit report. I believe that the company has a Third Party Arbitration system and has failed use this method before taking collection actions with the knowledge that there is a disagreement.
Product: Credit reporting or other personal consumer reports

Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, FL XXXX Date : XX/XX/XXXX BURO NAME : Transunion Consumer Solutions Address : XXXX XXXX XXXX XXXX PA XXXX RE : Letter to Remove Inaccurate Credit Information To Whom it may concern I received a copy of my Credit Report and found the following items, to be in error : ( dispute item and explanation ) 1.- following personal information is inaccurate ACCOUNT NAME : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Please ( remove / update ) this account from my credit report Please ( remove / update ) this account from my credit report By the provision s of the Fair Credit Reporting act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor cant verify. I understand that under 15 U.S.C. Sec 1681i ( a ), you must complete this reinvestigation with 30 days of receipt of this letter. Please send and update copy of my credit report to the above address. According to the act, there shall be no charge for this update report. I also request that you please send notice of corrections to anyone who received my credit report in the past six months. Thank You for your time and help in this matter, Sincerely, XXXX XXXX XXXX
Product: Checking or savings account

I was working at XXXX XXXX on XX/XX/XXXX and XXXX weeks after i started to get my check to chase ( XXXX ) but it was the whole amount on what is say on the website to see the whole thing. And a week later XXXX $ would come in my account and I just let it sit in my account it would even say that it came from my job then later on that day it transferred the whole account out but instead it would take that and more and it will put my account in the negative. And it kept doing it for 3 months straight.
Product: Credit reporting or other personal consumer reports

To : Consumer Financial Protection Bureau ( CFPB ) Subject : Formal Complaint Against Experian for Inaccurate Credit Reporting Dear Sir/Madam , My name is XXXX XXXX XXXX and I reside at XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX I am writing to file a formal complaint against Experian for continuing to report inaccurate information on my credit report, despite having previously disputed these inaccuracies. 

In my initial complaint, I stated that Experian was not following the Fair Credit Reporting Act ( FCRA ). I had disputed several items on my credit report, including incorrect dates, amounts, missing payment history, and missing payments. I clearly marked these discrepancies and provided supporting evidence to Experian. 

However, instead of correcting the inaccurate information, Experian sent disputes to all of my credit card companies, causing them to close my accounts. As of today, XXXX, the following accounts have been affected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I never disputed any of my accounts themselvesonly the incorrect information on these accounts. I have never missed a payment on these cards. Experian 's actions have caused serious financial consequences and unnecessary mental anguish, as I now need to take additional time to write letters, send identification, and go through the cumbersome process of correcting errors that should have been resolved initially. 

I am requesting immediate correction of the inaccuracies on my credit report and the reversal of all actions taken by Experian that have negatively impacted my credit accounts. This includes contacting my credit card companies and ensuring the reopening of any closed accounts that were improperly affected by these disputes. 

I expect prompt attention to this matter and a clear response outlining the steps being taken to correct the errors. 

Thank you for your time and assistance. 

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

I have a credit card with XXXX. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX and they said their system automatically put me on paperless billing, which I did not request. I was awaiting letter in the mail all this time just to find out their system had an error. As you can see, I have always had a stellar payment record. I tried contacting Experian, XXXX, XXXX, and XXXXXXXX with no successful resolution. Experian, XXXX, and XXXX only reporting me 30 days late payments. There was an error on their part. I was never 30 days late.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, I have tried to get in touch with Capital One repeatedly about this situation. They are currently reporting two accounts on my Credit Report without verifying my information like I have asked them to do. I have sent multiple letters asking for verification of any contracts bearing my signature and they have failed to provide that proof. They continue to " verify '' my account with the credit bureaus but have failed to share the documents that they are verifying these accounts with.
Product: Debt collection

XXXX is saying the opened date is 5 years later then it is also reporting I owe more then XXXX origanilly sent me letters to pay also XXXX  can not verify this debt is owed after bankrupcy 10 years ago i feel they have purchased a debt that should have been discharged in bankruptcy but purchased debt never verified debt and now reporting it is a new debt owed I have no debt from this company or any affliated company
Product: Student loan

XXXX XXXX, my student loan company, sent me an email saying they have given me two months forbearance on my loans due to natural disasters in my area ( mud slides and fires in XXXX XXXX ). I never agreed to this. I was not asked if I would want this. This would mean my loans would accrue interest without a payment made to my principal balance. I now have to call to be taken off forbearance causing me an extra step for something I did not ask for. This seems like a plot to make some money on people who are not closely monitoring their accounts. I have attached the email.
Product: Credit reporting or other personal consumer reports

Re : Experian Credit Bureau - XXXX XXXX Credit Report. 
On Wednesday, XX/XX/, I checked my XXXX XXXX Credit Report to discover Experian has NOT updated my XXXX XXXX XXXX report to reflect my current balances on my credit accounts. Without submitting the account number ( s ). One account in the amount of {$39.00} was paid on Thursday, XX/XX/, the account should relect a {$0.00} balance As of Wednesday, XX/XX/, my account continues to show a balance of {$39.00}. 
On another account, I received a credit limit increase but has not been reflected. 
I attempted to contact an Experian Representative to discuss the issue, but the Experian phone : XXXX XXXX XXXX rang busy 3 times, and I will NOT waste my time calling back. 
Experian has for what ever reason, has NOT updated my XXXX XXXX Credit Report powered by Experian, and I want it Corrected!!!!!!
Product: Credit card or prepaid card

I have filed a claim for a fraudulent transaction to US Bank in the amount of {$520.00}, which occurred on XX/XX/2018. US Bank has denied my claim stating that they have sent a text message to my cell phone to confirm the transaction from XXXX XXXX XXXX on XX/XX/2018. 
1. The transaction did not occur on XX/XX/2018 so it was not possible for the bank to text me in regards to this transaction as the transaction occurred on XX/XX/2018 2. I have contacted my mobile phone provider with all incoming text messages on these dates and their documentation shows that no text messages have been received on XX/XX/2018 from XXXX XXXX XXXX XXXX 3. US Bank has denied me to provide this proof from the mobile company and to review the case
Product: Credit card or prepaid card

I would like to inform capital one of my financial hardships is why I got behind on my credit card payments. And I am unable to pay off the balances at this time. I am in the process of selling my home and when I get the money from my home selling. I will pay off all 3 credit cards that i had. But only what the credit limits were. Not late fees or interest charges.
Product: Credit reporting or other personal consumer reports

I am reporting unauthorized hard inquiries on my credit report. Upon reviewing my credit report on [ date ], I identified multiple inquiries from companies I have never applied for credit with or authorized to access my credit information. These inquiries include : XXXX XXXX  XXXX Inquiry Date : XX/XX/XXXX XXXXXXXX XXXX  XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXXXXXX XXXX XXXX Inquiry Date : XX/XX/XXXX These inquiries were not initiated or approved by me, and I have no business relationship with these companies. They are negatively affecting my credit score and financial profile.
Product: Credit card or prepaid card

I pay my credit card bills in full each month. The statement with a payment due date of XX/XX/XXXX was paid electronically XX/XX/XXXX ( confirmation XXXX ) before I had a chance to go over the individual charges. I did later that day, and discovered that NONE of the {$2300.00} in charges was legitimate, called Chase and reported the charges as fraud and " locked '' the card on XX/XX/XXXX. I have NOT made any purchases on this account since then. I have never unlocked the card. 
Chase sent me a new card with a new account number a few days later. The XXXX statement showed no new activity, and a credit of {$2400.00} for the reported fraudulent charges. The XXXX statement showed another fraudulent charge of {$43.00} ( XXXX ). The XXXX, XXXX statement arrived, showing yet another fraudulent charge of {$31.00}, leaving a balance of, per Chase, - {$2300.00}. 
The XX/XX/XXXX statement arrived showing a - {$2300.00} plus {$3700.00} in new, fraudulent charges on a card I never unlocked, leaving a new, incorrect balance of {$1300.00}. I reported the fraud upon receipt and cancelled the card. My XXXX statement showed credits for the XXXX statement fraud, as well as another {$630.00} in fraudulent charges on a locked card, which I immediately reported. Then I received a statement dated XX/XX/XXXX stating " you are responsible for the following transactions '' and all the fraud I reported was suddenly my responsibility because " you received benefit from this transaction. '' This matter remains unresolved, and Chase has reported my " lack of payment '' to the credit bureaus.
Product: Money transfer, virtual currency, or money service

I am writing formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate Zelle has not only neglected to protect consumers but also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

Requested on several occasions they remove incorrect information on my report. These are the dates and corresponding report numbers. 
Report # XXXX, dated XX/XX/XXXX ; report # XXXX dated XX/XX/XXXX ;  report # XXXX dated XX/XX/XXXX ; report # XXXX dated XX/XX/XXXX ; report # XXXX dated XX/XX/XXXX ; report # XXXX. I 've attached the USPS certified mail stamps.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX 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. 

Account Name : XXXX XXXXXXXX XXXX # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX - DATE OPENED XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXXXXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

15 U.S. Code $ 1681c-2 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, not later than 4 business days after the date of receipt. I HAVE ATTACHED MY FTC REPORT TO THIS COMPLIANT TO PREVENT FURTHER STALL TACTICS FROM 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

These accounts do not belong to me and I'm demanding that they be removed from my credit file.

1 ) US Dept of Education {$4200.00} 2 ) US Dept of Education {$5800.00} 3 ) Dept of ED/Nelnet {$4000.00} 4 ) Dept of ED/Nelnet {$3500.00}, please block the above accounts.
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I am a victim of identity theft due to a recent data breach, which has resulted in unauthorized accounts being opened in my name without my consent. In accordance with XXXX XXXX XXXX ( a ) and the Fair Credit Reporting Act ( FCRA ) XXXX ( b ), I am formally requesting the immediate blocking and deletion of the following fraudulent account from my credit report : Fraudulent Account :XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX  XXXX Acct # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I was a victim of identity theft and this is another request to block or remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts not later than 4 business days after the XX/XX/2022 Ive already included this report in my previous letter & I am including it again. Also, the information you provided on the account is UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 

XXXXXXXX XXXX XXXX, XXXX XXXX
Product: Credit reporting or other personal consumer reports

These accounts XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX Bank XXXX XXXX, XXXX XXXX XXXX, XXXX Bank 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 XXXXXXXX XXXX, currently showing inaccurately on my report filed with your credit bureau. Pursuant to XXXX XXXX XXXX ( i ) ( XXXX ), I am requesting that these disputed items be removed permanently from my credit report immediately. This statue states that any agency which fails to maintain any record with accuracy, relevance, timeliness, and completeness as is necessary to guarantee fairness in any determination shall not use such record. As your agency has failed to send me proof of verification these accounts belong to me violating my rights. Please help me get resolution and correct my credit report by removing the disputed items as stipulated by the Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

Complaint Description : I am not able to successfully contact anyone from this company. I have been trying for more than half a year to have an item removed. I've been attempting to fix my credit in hopes of becoming a homeowner. I've sent a series of letters to this company as well as disputed my credit issues online. It's probably been over the past 6 months since I've been disputing items. I have no issues with any of the other credit bureaus. Equifax is the ONLY one that I have a hard time with. I have this item from XXXX XXXX XXXX, {$4000.00} that I am trying to remove. By law, Equifax is supposed to delete items if a consumer has not heard from them for 30-60 days. I KNOW it's been over 60 days. I've called them on NUMEROUS occasions with yesterday XX/XX/20 being the most recent. I sat on hold for like an hour until I had to eventually hang up. I've submitted about 3 letters and I've disputed these items online. It has been over 60 days since I've disputed this particular item. Each time I send a letter, a confirmation is sent online, but when I view my dashboard on their page, it doesn't indicate what's been disputed. I can't see a thing. The last letter I mailed was on the first of XXXX, but keep in mind, I still sent letters to them prior to that letter with no response after at least 60 days, so I just keep sending them in hopes of find relief until someone encouraged me to file a complaint with XXXX. This morning I mysteriously received a message from them via email that my dispute has been completed. Well, guess what? The website is down due to maintenance and I can't see a thing. What is with this company? How are they still in business?
Product: Debt collection

They have continued to remove and add something into collections on my credit for over 6 months. When I have proof that it should be a balance if {$0.00}. 
I attended The Art Institute of XXXX XX/XX/2012 which put me at $ XXXX in student loans with them. I dropped out after my first year. They later got into a big lawsuit and I received a letter from XXXX which owns The Art Institute of XXXX stating that because of the timeframe I attended and dropped out that my student loans are now at a {$0.00} balance and should be whipped off my credit within 4 months. 

However XXXX XXXX had them in collections and after receiving the letter they were removed from my collection within two months. I was extremely happy. However for the past 3 months XXXX has continued to add it on my credit score and remove it only from XXXX tho. I called XXXX XXXX and explained the situation and emailed them the letter I have. They said they would look into it that was two months ago. 

So last month I decided to dispute the collection with XXXX sending them the letter that I received form XXXX. It 's supposed to be completed XXXX. However Now it is showing on XXXX twice for $ XXXX each.. 

I 'm getting very upset about this and its effecting me and my wife 's chance of buying a house
Product: Credit reporting, credit repair services, or other personal consumer reports

These two accounts I had nothing to do with.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA subsection 605b ( 15 U.S.C 1681 c-2 ) that you, EQUIFAX credit reporting agency , block information appearing on my consumer credit report that is result of identity theft an fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, an false information consists all are listed XXXX XXXX below.These accounts have resulted in several fraudulent collections appearing on my consumer XXXX credit report I attached a list of the aforementioned accounts, collection accounts, I do not recognize the aforementioned accounts, collections as reported. The aforementioned accounts, collections appearing on my consumer credit report maintained by you were not opened, made, or initiated by me.All of the aforementioned accounts, collections accounts are the result of identity theft and fraud.I have attached a copy of FTC identity Theft Criminal Complaint # ( XXXX ) as proof from US FEDERAL TRADE COMMISSION that all of the aforementioned consumer credit accounts, collections are the result of identity theft and fraud. 

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX  XXXX  has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 
15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

Theres three inquiries on my credit report that I knows nothing about. XXXX XXXX XXXX on XX/XX/20 and XX/XX/20 Ive never tried to open up any accounts with this company. Also XXXX XX/XX/20 I already have an account with them so why would I apply for a next account with them