23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I am writing to dispute the following information that is on my report. I have contacted the companies XXXX XXXX and Chex Systems Inc. to have the fraudulent items removed but I didnt get a response. I request that you change the incorrect things reporting on my report. 
Enclosed are copies of my Chex System report and other documents supporting my request. Please reinvestigate this matter and contact the national credit bureaus to have them delete the disputed items as soon as possible. 
Sincerely, XXXX XXXX Enclosures : Social, ID, Identity Theft report
Product: Mortgage

I was dealing with Quicken Loans regarding a mortgage inquiry involving the potential purchase of an investment property. The loan officer did a hard pull on my credit before asking what the target loan amount would be. It being a small amount, about $ XXXX, meant that they would not have a program to help me based on the loan size. A hard pull n my credit negatively impacts my credit score despite the fact that he would n't have been able to help me in the first place. This could negatively impact my ability to explore financing options in the near term.
Product: Debt collection

I have already tried to dispute my collections and inquires but It was never handled so now I just want my collections removed from my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

hi i made a complaint on XX/XX/22 complaint ID # XXXX about inquiries that is deem fraudulent and my inquiries were not removed upon the investigation. I request a reinvestigation under 15 USC 1681A Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

( 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 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit card was paid in full and its showing on credit report as closed. I need it removed for my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of identity theft with XXXX  XXXX. I went to go check my consumer report and saw there was a late payment with an account thats on my credit profile that doesn't belong to me. That account is with XXXX  XXXX as a credit card titled XXXX XXXX XXXX  FROM XXXX  XXXX with a balance of {$4800.00}. This card does not belong to me and is fraudulent. I submitted my FTC REPORT on XX/XX/2023 and sent out to XXXX, XXXX AND EXPERIAN ON THE SAME DAY, it is XX/XX/XXXX today and I have yet to hear back from XXXX, XXXX AND EXPERIAN. This fraudulent account is causing me financial injury as I try to keep up with my consumer report and I have been denied getting a home loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this item in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting item as unverified information without providing any proof within the period allowed by law. The item need to investigate and correct for erroneous reporting in my file and are listed on my credit report. WELLS FARGO DEALER SVC XXXX Date Opened : XX/XX/16 Balance : {$0.00}
Product: Debt collection

At time of hospital visit a credit card was placed on file to make all charges of stay from hospital and providers. The total amount was charged on XX/XX/2021 in full. When debt collector called I called the provider billing dept and spoke to agent who is responsible for doctors for the hospital facility XXXX XXXX XXXX ext. XXXX and she verified balance is XXXX. I spoke to XXXX at the hospital ( XXXX ) XXXX and she also verified balance is XXXX. She also confirmed a refund of {$700.00} was sent for an overcharge on the credit card. The debt collector has not been able to provide transaction payments. I have verified with both provider and hospital billing departments have a XXXX balance and yet they refuse to remove it. If you call the representatives you will confirm balances are XXXX on both.
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS IS RIDICULOUS!! 
I have tried to be patient with the Bureaus regarding my credit report. As a consumer I have the right to a credit report that 100 % accurate. I have sent several letters to the Bureaus and they have not only ignored my request but continue to allow inaccurate and duplicate accounts on my credit report. Today I will be showing how I have multiple duplicate account on my credit report that is damaging my score unfairly! Despite me disputing these account The bureaus allow the furnishers to report inaccurate information and duplicate information. 
For instance XXXX XXXX is account number XXXX and is currently being disputed. Instead of it being verified or removed from my Report each Bureau is allowing it to be reported AGAIN under XXXX  XXXX same account number with a OBSARD amount that is over a XXXX increase and when I asked them to verify this information the response is always " they have verified the information ', if this information is being verified I shouldn't have the duplicate accounts with completely different amounts! 
This same account is added to my XXXX and Experian account again with a slightly different account number but the same amount being reported and the original account being the XXXX XXXX, XXXX, XXXX  added it again as XXXX this is the same account on my credit report 3xs with XXXX and Experian and twice with XXXX. 
XXXX tried to hide their error by changing the account number but keeping the amount this is showed by comparing the accounts to the original on my credit report XXXX but still referencing the XXXX account number I'm attaching my most recent credit report as proof of this error. THERE IS NO EXCUSE OF THE BUREAUS NEGLIENCE CONCERING THIS ACCOUNT! I have sent letters that have been ignored. Followed up with more letter that were again IGNORED. I have submitted complaints in here that were derailed!!!! 
Again as a consumer I have the RIGHT to a credit report that is 100 % accurate! According the the FCRA the Bureaus have a duty to verify all information before it is added to a consumers credit report. This is one instance that outwardly shows that the Bureaus aren't doing their jobs. In former complaints I have made in the CFPB the bureaus have all stated that they have began a investigation. There will be NO MORE PROCRASTINATION regarding inaccurate and duplicate information on my credit report. The only response that I want to see from the Bureaus is that these duplicate and inaccurate accounts were DELETED from my report. Any other response I will be filing another complaint with the XXXX, the FTC and taking whatever measure that I legally have in my rights! It has been over now 120 days and I will NOT SIT BACK and be BULLIED AND MISREPENSTED BY FALSE INFORMATION! I am a CONSUMER and the FCRA has guideline that BUREAUS AND FURNISHERS MUST FOLLOW!! The CFPB HAS A ROLE TO PROTECT ME AS A CONSUMER! 
I have submitted my Credit report as PROOF of this MISREPRESNETATION! THIS MATTER MUST BE CORRECTED!
Product: Bank account or service

XX/XX/XXXX I was working in XXXX XXXX XXXX for XXXX XXXX. I was sent to XXXX XXXX, XXXX to work for 3 weeks. While there I visited the Wells Fargo Bank to obtain some information on my account. When I returned home, I found a credit card in my mail. It was a Wells Fargo credit card. I had not applied for the card, yet I received it anyway. I immediately called Wells Fargo and complained and had the card cancelled. My concern is that the CFPB complaint XXXX does not adequately cover all the affected consumers as that compliant only covers the time period from XX/XX/XXXX thru XX/XX/XXXX. I feel certain that the fraudulent practices were occurring long before XX/XX/XXXX. When I recently called Wells Fargo about the credit card I was told there was no record of it. Yet it appears on my credit report even as of XX/XX/XXXX.
Product: Debt collection

On XX/XX/2022, I was hospitalized due to severe illness. Since then, I have been in and out of hospitals and on long-term XXXX from work. Upon move-out from The XXXX XXXX in XXXX, we were never asked for a forwarding address. As such, they notice of our move-out costs was sent to the address they had on file, which was the same address at XXXX XXXX. Essentially, they mailed the notice to our previous address with them. We called XXXX XXXXXXXX and they confirmed this over the phone, and confirmed they do not have our new address and to expect a callback once they spoke to management. We never received a callback. 

The first notice of the debt received was from National Credit Systems , Inc. and due to being on Long Term XXXX, I am receiving care out of state. So I was first made aware of the " Debt '' from my credit report. We have never had an issue with a past landlord as per our history, and it is clearly evident that The XXXX failed to properly notify us of our move-out fees by failing to acquire our updated address. It is evident that National Credit Systems , Inc. was only able to locate our new address using their capabilities as a debt collection agency. 

Due to the nature of my XXXX, I contacted National Credit Systems , Inc. via email to no response and thus have come to CFPB for resolution.
Product: Debt collection

A complaint was previously filed by me and the CFPB closed the complaint based upon the response of the business. The business provided false information to the CFPB including : The Company 's description is inaccurate. They are refusing to answer emails and phone calls regarding this matter. They are ignoring the arbitration letters filed sent to them by the XXXX and so their claim that they are bound by the arbitration clause was a knowingly false statement by them. Their actions indicate they are not taking steps in accordance with XXXX procedures and are in significant breach of the contract and causing unnecessary harm and expenses to the consumer. This complaint should be reopened.
Product: Credit reporting or other personal consumer reports

I have two evictions on my rental report that are false and illegal to report according to 15 U.S. Code 1681a. I did not give written consent or any consent for it to be reported to all credit bureaus. These inaccurate evictions i do believe were on or around the years XXXX and XXXX. I never went to court for these false evictions and i never was forced to move from the addresses the evictions were filed on. These inaccurate rental reports are illegal and need to be resolved immediately or i will be forced to take legal action against these companies.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report is showing late payments on XXXX XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history or better yet, DELETE the whole account from my report. If there is any confusion, I suggest you contact myself or XXXX customer service representative XXXX
Product: Vehicle loan or lease

I received numerous phone calls from bridgecrest stating that i owed them a payment of {$510.00}. I then asked what for and they proceeded to tell me it was for the payment of my car note when my payment was set up for autopay and last i checked it was for XXXX the agent stated XXXX  was the seller and they were servicing the loan through transfer so i asked the agent to send documentation with the proof they directed me to the online portal to where my payments were to be made it was vague and ambiguous it gave no information contract/agreement or instructions but how to make payment I was so lost. I called back asking how to see my statements and the response was they don't do statements I've never heard that before so I did some digging and found that Bridgecrest was not in compliance with 12CFR 1026.5,6,7,8 etc. Bridgecrest has not sent me any documentation of any statement of any sort or contract.
Product: Mortgage

Because of the pandemic all of my businesses were shut down I did not receive any assistance for about 8 months by the time I did receive help so many things were due .I stayed in communication with servicer the whole time and paid additional fees requested I have no experience with unemployment at all as I am 62 years and I've never been unemployed until pandemic I applied for the loss of Mitigation Program last year On XX/XX/2022 the decision made by this company is for me to pay {$3000.00} for 12 months XXXX payment of {$3300.00} on the XXXX month that's double the mortgage If I don't sign agreement and mail payment of {$3000.00} by XX/XX/2022 they will foreclose they are not even allowing me to make bank transfer payment. 
my fear is on this they could say they did not receive payment by due date and still foreclose To my understanding this company was going to work out a repayment plan that is realistic and doable this is not I hoped they could have spread this out over a few years or at least put on the back end I don't see why they couldn't they did it before when the housing market crashed and I stayed current. 

Currently I owe {$250000.00} interest bearing principal deferred principal {$55000.00} The deferred amount at at market crash went from about XXXX XXXX to currently {$55000.00} I paid extra money monthly to help bring down amount owed The only difference is there was no equity in the home at that time so a realistic plan was put into place. 

Fast forward to pandemic I was out of work for 1 year due to California pandemic protocol when I was allowed to work again i immediately resumed payments now that I have equity in my home I suspect this plan was designed for me to fail so that they can steal my property. 

I feel I'm the victim of a Predatory Lender they are taking advantage of senior citizens and homeowners that fell victim to unemployment pandemic I have every intention of repayment I'm just hoping for for a fair resolution that's all please Help me
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report today. XX/XX/XXXX, I noticed the information given is incorrect and is affecting my credit score. According to the fair credit reporting act, whenever a credit reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum accuracy. The accounts displaying inaccurate information are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Also according to 15 USC 1681s-2A A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable belief the information is inaccurate.
Product: Credit card or prepaid card

I opened an Upgrade Cash Rewards Elite Visa Card credit card on XX/XX/2022. My first statement was through XX/XX/2022 with a due date of XX/XX/2022. On XX/XX/2022, I paid off the full statement balance and noticed that interest was charged, despite the balance being paid in advance of the statement due date. Upon contacting Upgrade, they explained that the card is actually structured as a personal loan with interest accruing from the date of each transaction. The product is clearly marketed as a credit card and compared to other credit card products and does not clearly disclose that, unlike traditional credit cards, interest accrues from each transaction rather than statement due dates. This practice is extremely misleading and will affect many other users.
Product: Credit card or prepaid card

Ref : XXXX I applied for the XXXX prime credit card by chase on XX/XX/XXXX. On XX/XX/XXXX I received a phone call from Chase requesting for verification of my application, after a few personal questions I was told my account was approved. When I hung up, I received an immediate call back within a mater of minutes advised this application is in review and I will receive a letter in the mail with the final decision. 

Today, XX/XX/XXXX I received a letter that states i have been denied due to having too many requests/opened accounts with chase. I recently applied two days before for an account which I was recently approved for with a {$5200.00} credit limit. 

I find this response to be biased and not true. I would like to have Chase reconsider this since I am a responsible consumer who pays for his debt on time and use it responsibly. 

I am a prime member with XXXX for over 10 years and would find it valuable to have this account due to my yearly expenditure with XXXX.
Product: Money transfer, virtual currency, or money service

I bought 4 money orders from them and they didn't pay them, the bank said they didn't have funds.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXX 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 XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX # XXXX Account Name : XXXXXXXX XXXX XXXX XXXX XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ).

After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : Disputed Inquiry : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Basis for Dispute Section 611 ( 15 U.S.C. 1681i ) states that I have the right to dispute any inaccurate or incomplete information on my credit report. I request that you investigate these unauthorized inquiries and remove them from my credit report.

Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the inquiries made. After reviewing this information, I firmly believe that the inquiries listed above should not be on my report.

Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. I did not give my consent for these inquiries to be made, and I can not find a permissible purpose under this section that justifies their presence on my report.

Request I request an immediate investigation into the listed inquiries. If it is determined that these inquiries were made without my authorization or in error, I ask that they be removed from my credit report. I also request that you provide me with an updated copy of my credit report once the necessary corrections have been made.

Enclosed is a copy of my identification to verify my identity.

I appreciate your prompt attention to this matter. Please confirm receipt of this letter and keep me informed of the progress of your investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity has been compromised. I tried to file my tax return and the tax professional told me that my social security had been used already to file tax returns. I had to contact the IRS to take measures. I soon received a call from a collection company as well that I owed them money. Everything was making sense after I found out my identity had been compromised. My name and social security has been used for quite some time now and there was several accounts that had been open under my name. These things on my credit are not mine. Please remove these things from my report. 

XXXX XXXX XXXX {$680.00} XXXX XXXX XXXX {$550.00} XXXX XXXX XXXX  {$840.00} XXXX XXXX XXXX {$790.00}
Product: Credit reporting or other personal consumer reports

Recently, after viewing my credit report this account has been open and closed off each bureau within ( 8 ) days they have fraudulent open and closed this account. Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), the FCRA requires consumer reporting agencies ( or CRAs ) to conduct a reasonable reinvestigation to determine whether disputed information in a consumer 's file is inaccurate. Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater. 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. 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. Remove this information immediately!!! XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The company XXXX XXXX has flagged your account as 60 Days Past Due on XX/XX/XXXX. On XXXX of my credit reports knowing I filed for XXXX XXXX XXXX XX/XX/XXXX, they have called me several times and sent emails.
Product: Debt collection

never heard off XXXX XXXX, and i asked for validation and they send an itemized bill which is not validation and it is against the law for a company to be added to a 2 party contract if thats the case