23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

My personal information was stolen in XXXX  since then Ive been seeing a lot of unauthorized inquiries and accounts. In accordance with the Fair Credit Reporting act multiple unauthorized Inquiries have been found on my credit report please investigate and Remove all inaccurate inquiries I have listed immediately, the following includes : XXXX XXXX Reported BALANCE {$260.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reported BALANCE {$140.00} : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX REPORTED BALANCE {$630.00} : XXXX XXXXXXXX XXXX XXXX XXXX  REPORTED BALANCE {$170.00} : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : XXXX XXXXXXXX XXXX XXXX XXXX ( XXXX ) INQUIRY : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX INQUIRY : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX INQUIRY : XX/XX/XXXX XXXX XXXX XXXX BANK ( BANK ) INQUIRY : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  INQUIRY : XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX BANK XXXX XXXX : XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX INQUIRY : XX/XX/XXXX XXXX XXXX INQUIRY : XX/XX/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
Product: Credit reporting or other personal consumer reports

They are reporting Mortgage as 60 days late for the month of XXXX they mailed me a letter out said it was Social Security breach back in XXXX that had affected the payment system. They mail this letter out. It was dated XX/XX/XXXX. I reached out to the mortgage company and XXXX  and XXXX to get it removed off my credit report. Ive never been late on my mortgage. No one has done anything. Its been over XXXX months now and it still has not got resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report because I keep getting denied when I try to get a new car. I noticed an account for XXXX XXXX in the amount of {$410.00} with theORIGINAL CREDITOR being XXXX XXXX XXXX. 

I moved out of this apartment complex in good standing. I did not owe any balances, and received my full deposit back. 

I am unaware of where this debt originated from.
Product: Checking or savings account

XX/XX/year> JPMorgan chase closed my accounts with out any kind of notice and would not tell me why my accounts were closed. In my almost 20 years with them, I have never had a late fee on my mortgage, credit cards or an overdraft fee on my accounts. They have the right to close the checking and savings but now they affected my credit score drastically by closing XXXX credit cards. They are not allowing me access to my account to pay the balance I owe on my credit card and mortgage.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown accounts on my credit report. There are multiple errors shown in my report. Please verify that all accounts are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these accounts and fix the negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

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

In 2014 I reported to Bank of America that I had lost my job and sources of income hence encounter financial hardship and could not meet my minimum payments and needed to enroll in their financial hardship program/card protection. I was told by the agent at the time that because I did not have a job i could not enroll in the hardship program and they would be reporting the negative information to the credit bureaus. I then told them that due to my circumstances it would be impossible for me to continue making payments without some sort of arrangement to no avail. Once I began working again I contacted Bank of America again and informed them that I had found another job and was ready to begin making payments and that I wanted to set up a payment arrangement and enroll in their hardship program so that I could pay them and take care of the other bills I had fallen behind on. I was informed that I had the options for payments : 1. ) I could pay {$260.00} for 2 months. 2 ) I could make a payment of {$180.00} for 3 months. Or 3. ) I could make a payment of {$150.00} for 4 months. While the payments were steep I agreed to commit to the 4 month plan to get my life back on track. Then after a string of invasive questions the customer service agent informed me that not only was I not eligible to complete the agreement for the 4 month plan but that the hardship program was not an option for me either after I was initially informed that these options were not available due to my unemployment status. Thus if I did not have the options for a hardship program or particular payment arraignments when I was unemployed or when i became employed then that means the options were never available to me at all. At the beginning of my credit relationship with Bank of America I was falsley led to believe that in the event of job loss and financial hardship that alternative payment options were available to me but under all circumstances this proved to be untrue. Hence I was coerced into a credit agreement with bank of america via misrepresentation of products and services.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received 2 notifications of hard inquiry from 2 different companies which I did not do. XX/XX/2021 XXXX  XXXX XXXX and XX/XX/2021 XXXX XXXX credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following information needs to be deleted. In the former address of my credit report it shows XXXX XXXX XXXX XXXXXXXX XXXX, Ohio XXXX. This address Is not mine anymore it was temporarily used due to a XXXX XXXX. I am at my residence where i receive mail. 
.
Product: Debt collection

This debt was added to my credit report without having any prior knowledge to this debt They claimed that I have a debt for address. I have never lived a phone number Phone Number I never had. That has not been verified with any of the credit XXXX and needs to be removed immediately because I didnt have no I have no of this or address or phone number that they have on file. Also, I was threatened by the agent on the phone stating that if I didnt update my information that is that would never go away and by law I do not have to give them any of my at any of my information for them to update in their system. This company is trying Claim fraudulent debt I have never lived in the address on file. This is not my debt and I will ask the week for it to be removed immediately. If not, I will have to take legal action.
Product: Checking or savings account

Wells fargoXXXX has been hitting me with XXXX overdraft fees in the span of XXXX weeks and my account is not overdrawn by XXXX dollars
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting inaccurate of information and refusing to change it. I called them 7 times to get them to remove it and they refuse to do so. In fact I spoke with a rep names XXXX and he was rude and refused to let me speak with a supervisor. Also they get there info from consumer agencies not the actual court. The are reporting 4 bankruptcies and I don't have any. The other reporting agencies have removed them. Experian is the only reporting agency refusing to removed them. Please help me get this done the are violating my rights.XXXX also told me the CFPB cant make them do anything.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. XXXX XXXX ( Original Creditor : 10 XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : 12 XXXX XXXX XXXX XXXX XXXX ) XXXX
Product: Credit card or prepaid card

Using my Bank of America XXXX I did a balance transfer a XXXX XXXX  and paid the corresponding fee. Before the promotional period ended I started paying off the card in full and completed paying before the end of the last cycle of the balance transfer agreement. Bank of America still charged me an interest in the amount of {$44.00} I called the bank to complain and ask for a refund either full or partial and they won't do it. They stated that I didn't pay on time and the interest is valid. I have been a customer for over XXXX XXXX and never have made a late payment. They won't consider that I have been a loyal customer.
Product: Checking or savings account

I initiated a transfer of {$1000.00} from XXXX to my checking account on XX/XX/2023. I never received it. After several unsuccessful attempts to resolve with XXXX customer service, I initiated a CFPB complaint. CFPB closed the dispute upon receipt of the attached letter from XXXX XXXX. 

I then filed a dispute with my bank, using the trace number provided by XXXX. Usaa responded that they traced the money to a different usaa account (!! ) and suggested that I follow up with XXXX. Neither my bank nor XXXX is able to explain how to recover this substantial amount of money.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

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
Product: Credit reporting or other personal consumer reports

The following accounts ar listed on my credit report and are not mine. I know knowledge of this account :
Product: Credit card or prepaid card

I went to XXXX XXXX XXXX XXXX and had XXXX XXXX XXXX and was given a dental plan, for {$3000.00} just to have a broken tooth extracted and to have a parcel made. I sign a contract for {$3000.00} not knowing that they were going to charge CareCredit the next day for a tooth extraction... The next day I found out that they had charge CARE CREDIT / SYNCHONY Bank {$3000.00} to my account.. I immediately call and cancel the plan. I also call CareCredit / Synchony Bank and cancel payment. XXXX XXXX XXXX XXXX Cancel the plan and charge my insurance company XXXX XXXX XXXX XXXX {$230.00} for that appointment. All I received is the X-Ray and consultation for which was paid for by XXXX XXXX XXXX XXXX. The problem is CareCredit / SYNCHONY BANK is asking me to pay {$2000.00} for a cancel contract which no work was done. I have wrote to CareCredit and Synchrony Bank and I told them the dentist cancel the contract... want to know how can they ask me for money that was never paid to XXXX XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX XXXX. XXXX XXXX  XXXX, PA XXXX 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 item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX 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 item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX 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 item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX  XXXX XXXX
Product: Mortgage

XXXX did a loan modification without all the paperwork and denied myself the XXXX for my service in the military. I am adding information to cfpb case #XXXX. signature on power of attorney is not mine that they have on file. Then XXXX acquired the loan from XXXX instead of fixing the issue the let never investigated it or fixed it then we provided the with a XXXX dollar check nothing was applied to loan the just returned $XXXX stating that is was part of a lawsuit if so then were did the XXXX go for the loan my mother paid. Then the loan was sold to Nationstar mortgage how can they own the loan with out the proper signed documents. My mother already provided the assignment that XXXX provided to us and nationstar mortgage that gave XXXX and XXXX the rights to the loan if that was the case was it never signed, notarized, and filed at the court house to this date that document is not filed there. As well as who signed my initials on the power of attorney that XXXX provided for the loan mod that was done in XX/XX/XXXX why the loan done in XXXX TX, why did XXXX, XXXX trying to hide this information from nationstar mortgage and us. Why is it that XXXX gave us a case number for the investigation that they were going to do when none was done. How can XXXX people that were deceased sign quick claim deeds for a loan mod. And how can they adjust the loan payment to reflect the loan mod if no paperwork was officially signed by all parties. And now why is nationstar wanting a loan mod done on this loan and us to provide info on the loan with XX/XX/XXXX-XX/XX/XXXX tax statements when they didn't take over the servicing right till XX/XX/XXXX.
Product: Money transfer, virtual currency, or money service

I made a transfer on Westner Union of XXXX XXXX XXXX XXXX, it was supposed to be delivered XXXX XXXX XXXX XXXX XXXX I received an email saying money was sent and a as of today the transfer still shows processing. Ive tried contacting them and they say to call but Im not able to call since I work in a XXXXXXXX XXXX Ive contacted them multiple times and they are always saying someone will contact me and escalation team is working ok it. I asked the money to be refunded and they said they will work on it, again saying escalation team. I tried contacting them thru XXXX XXXX XXXX XXXX. As of now, status shows processing. I have screenshots and emails.
Product: Credit reporting or other personal consumer reports

My Name is XXXX XXXX XXXX and I am a Victim of Identity Theft. As of XXXX of XXXX  I noticed on my Credit Report that a new card from XXXXXXXX XXXX XXXX XXXX XXXXXXXX ID # XXXX had been opened. At that time I contacted XXXX immediately to inform them that this was not my card that it was opened Fraudulently. I did not Authorize it, Approve it, nor did I sign for it, it was Identity Theft and Fraud and I would like it disputed and removed from my Credit File Account. Please Delete. 

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

I sent a letter to the Credit Bureaus requesting to remove the items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ), the Credit Bureaus are required to remove any items or information not later than XXXX business days. I request an investigation and remove these items that appears in my credit report. Listed below are the items that I wanted to removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX BXXXX  XXXX Balance : {$0.00} XXXX XXXX Bankruptcy Reference # : XXXX Filed/Reported : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXXXXXX Balance : $ XXXX XXXX  XXXX XXXX XXXX : {$0.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX BANK NA XXXX XXXX : {$0.00} XXXX BANK XXXX Balance : {$0.00} XXXXr XXXX Bankruptcy Reference # : XXXX DateFiled/Reported : XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX
Product: Credit card or prepaid card

My Way2go card has an extra charge of XXXX cents after an ATM withdrawral, My credits are descending instead of increasing, and my account was charged extra amount of money. GDOL
Product: Mortgage

Chase bank reported a 30 day late payment on my credit reports in XXXX XXXX on the home equity line of credit account. Chase stopped reporting to XXXX in XXXX XXXX. The wrong loan balance is on the credit reports. I am disputing the report of any late payments & the loan balance is wrong.
Product: Debt collection

I paid XXXX of XXXX for move out repair on apartment rented by me and my son, in the rental office in XX/XX/2020. Me and my son have received several calls and letters from debt collectors IQ Data Inc, stating it has not been paid. I have emailed, mailed ( certified return ) copies of money orders and receipt of payment. They have my son credit card number and have charges payment on XX/XX/2020. I have called the rental office and the have notified them by email that this debt was paid. I have spoke with several rep and supervisor XXXX and company continues to run my son card and states that payment should have been paid to them. As of XX/XX/XXXX ; XXXX  be have paid {$1000.00}. Bill was {$690.00}, which I paid {$650.00} on XXXX XXXX. IQ Data continues to run my son cards, regarding of my calls, email that was sent that it was paid. I asked rep and supervisor not to do this, and they informed me that my son card will continue to be ran. Please Iam asking for help, this company continued to do what they want, and I cant do anything to stop them.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2022, XXXX XXXX XX/XX/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified items listed below are still reporting on my credit report in violation of federal law. The XXXX, XXXX and Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following items completely from my Credit Reports : XXXX XXXX XXXX XXXX, VA XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$2400.00} ; XXXX  XXXX  XXXX ( Original Creditor : XXXX XXXX  XXXX ) XXXX Balance XXXX {$1100.00} ; ( Original Creditor : XXXX ) XXXX Balance : {$120.00} ; XXXXXXXX XXXX XXXX ( Original Creditor : XXXX VA ) XXXX Balance : {$0.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$0.00}
Product: Student loan

On XX/XX/19 made an excess payment on my student loans. This payment was not applied to the loans with the highest interest rates despite my account settings being set to do so, and despite the loan service 's website claiming that excess payments are applied to the highest interest rate by default. They ignored both my preferences and their own guidelines. 

This is not the first time I have had this issue.