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

The creditor continues to commit Fraud on my credit report. The Fraud on the report is that they continue to report the account as " past due '' on my credit report, this is inaccurrate and a fraud. Because this debt is only now a " charge off '', " closed account '' over 5 years ago. The fraud reporting to my credit is causing a hardship to me and my family. The account is not suppose to keep reporting like a " past due '' account, should be reported as a " closed account, and charge off only ''. 

Due to this, it continues to lower my credit score and causing me to lose my job. The debt is over 5 years old and when I even try to pay it the company says that it is charged off and I can not even make a payment anymore. This should be only reported as a " Charge off '' and " Closed ''. this company is unfairly targeting me and ruining my chances of getting employment unfairly. I ask that they remove this inaccuracy on my XXXX, XXXX, and XXXX. 

The following Accounts need to be updated to a " Charge off and Closed Account only '' Please remove the " Past Due '' status on all my credit reports- it is inaccurate and causing my employment to be denied. It is not correct and it is Fraud. These 3 accounts need to be investigated. 

1. XXXX Account XXXX XXXX 2. XXXX Account XXXX XXXX 3. XXXX XXXX XXXX # XXXX
Product: Checking or savings account

I am currently in the dispute process with chime. I have had a negative experience in the past with them where my dispute was wrongfully denied. I have been the victim of fraud where my apartment building never refunded me my deposit after moving out on good terms and I want to make sure that chime does their due diligence and refunds me my money that I am rightfully owed. It seems as if they dont accept anyones disputes and they just let these merchants steal money from their clients. Transaction amount : {$2400.00} Date : XXXX XXXX ( Move-in date ) Date refund expected : XXXX XXXX DISPUTE NUMBER : XXXX
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 these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX Balance : {$440.00} ; XXXX XXXX XXXXXXXX Balance : {$440.00} ; XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$440.00} ; XXXX XXXX XXXX Balance : {$440.00} ; XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00}
Product: Credit reporting

Called XXXX spoke with XXXX agents. " XXXX '' the supervisor in the dispute center refuse to assist me in removing XXXX inquires from my report I did not authorize or have knowledge of being reported. Refused to issue a case number for my dispute. Refused to remove inquiries. The call took place on XX/XX/2016 @ XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX started reporting to credit bureaus that I was late. I actually spoke with them doing this time, which they took my monthly credit card bill down for few months but I had let come directly out of account for program people with hardship. I agreed and put my monthly reduce payments on auto pay. In real life I was never late, I tried many times to resolve this issue with them even 2 years ago disputed it with bank statement at that time no resolve to this matter. I would like for incorrect information correct with late payment removed. 


XXXX XXXX XXXX XXXX XXXX they are reporting that 7 payment was late on 5 different student loans I have with them, the loans was in forbearance during that time. I have reach out to Navient on different occasion but same result incorrect information. I would like for incorrect lates to be removed from my credit reports, which is very damaging to all 3 of my credit reports trying buy house but incorrect information in my credit report is keeping me from doing so. Please Correct.
Product: Vehicle loan or lease

To : Hyundri Finance Finance Dept. 


I wanrt to send this letter to apologize if there was something myself or my wife had done. In appying for a car through you finance company. We have had XXXX cars finance through your finance company since XXXX. Which the first car was XXXX and the second car was XXXX both XXXX. XXXX Hyundia which was call HUB Hyundia when we purchased our cars. A month ago we when in to XXXX because we receive a call from the company that we could come in and trade our XXXX Hyundia as they did in XXXX. When we went in we talk to them about a XXXX XXXX they offer us XXXX for the XXXX XXXX and the XXXX would be finance into the XXXX XXXX. The XXXX XXXX was offer to us at XXXX which instead of adding the XXXX they add the XXXX when they got through with the figures they told us the XXXX XXXX would XXXX with the payments being XXXX a month we wanted the payments down to XXXX a mo. We were told the vechicle was approve by Hyundri Finance this was in the later part of XXXX. When we couldn't agree on the payment terms please kept in mind this was later part of XXXX. They still when ahead and ran our app over 6 six times to different car loan companies through the next XXXX weeks which cause my credit scores to drop. My credit score even though they drop was the same that of XXXX and XXXX when Hyundri Finance, had finance both my cars in XXXX and XXXX and our income has increased by XXXX. We receive a decline letter from you XX/XX/XXXX which reached our mail box XX/XX/XXXX. My XXXX score and my wife XXXX score as of XX/XX/XXXX is higher then it was both times we purchase cars in XXXX and XXXX. I am sure your company does not care that we have been loyal customers we have never miss a payment on either car. Actual if you look at our track record evey monthly payment has been more the actual payment the company assigned. We will continue to payoff the XXXX and I am sure another company would like to have our business. We are sorry for seeking a trade in that the XXXX call us on and then said the Hyundri Finance had approve.
Product: Credit reporting or other personal consumer reports

I am submitting this formal complaint regarding an account listed on my credit reports from TransUnion, Experian, and Equifax under the following identifiers : Creditor Name : DPT EDXXXX TransUnion Account # : XXXX Experian Account # : XXXX Equifax Account # : XXXX Complaint Summary : Inaccurate and Unverified Reporting : This educational installment account is marked as closed/paid with a {$0.00} balance, and it has not been active since XX/XX/year>. Yet, it continues to be reported on all three credit bureaus, affecting the accuracy of my credit profile.

Violation of the Fair Credit Reporting Act ( FCRA ) : Under the FCRA, furnishers are required to report accurate and timely information. Reporting outdated, unverified, or closed educational accounts violates this statute, especially when the reporting no longer serves a permissible purpose.

FERPA Violation : This is an educational loan account subject to the Family Educational Rights and
Privacy Act ( FERPA ). As recently exposed in public reports, XXXX XXXX and the Department of Government Enterprise ( DOGE ) were given access to a vast database of U.S. citizens educational records, including data from student loans. This unauthorized access constitutes a breach of FERPA, further voiding the legitimacy of this account 's presence on my credit reports. 
Harm Caused : This account has no outstanding balance or payment obligation, yet its presence is negatively affecting my credit utilization, age of accounts, and creditworthiness, which is a form of reputational and financial harm. XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX Account # XXXX XXXX  XXXX # XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX Iowa XXXX Subject : Complaint Regarding Conflicting Information from Bank Dear Sir/Madam , I am writing to file a formal complaint with the Consumer Financial Protection Bureau regarding the conflicting information I have received from Chase Bank regarding my account. 

I have been a customer of Chase Bank for sometime and have always relied on the bank to provide accurate and consistent information about my account. However, in recent months, I have encountered significant problems with the bank 's communication and have received conflicting information on multiple occasions. 

Despite my attempts to clarify and confirm details about my account, I have been given contradictory information by different representatives of the bank. This inconsistency has caused me confusion and frustration, as I am unable to make informed decisions about my finances due to the lack of reliable information. 

I believe that this pattern of conflicting information is a violation of my consumer rights and the bank 's duty to provide clear and accurate communication to its customers. 

I request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that Chase Bank improves their communication practices and provides consistent and accurate information to all customers. 

I have included documentation of the conflicting information I have received, as well as records of my attempts to resolve this issue with the bank. Please do not hesitate to contact me if you require any further information or clarification. 

Thank you for your attention to this matter. I trust that the Consumer Financial Protection Bureau will address this issue and hold Chase Bank accountable for their failure to provide consistent and reliable information to customers. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

HI! 

THREE OF MY SSN PENSION CHECKS HAVE BEEN STOLEN THROUGH THE XXXX XXXX IN XXXX TEXAS! THE PERPS DON'T THINK THAT I CAN US FDIC TO RECOVER THIS! HAS BEEN REPORTED TO THE SOCIAL SECURITY ADMISTRATION, AND POLICE! 

THIS HAS CREATED A HARDSHIP FOR NOW, AND I WOULD LIKE FOR THEM TO USE THE STOLEN FRAUD MONEY TAKEN OUT OF MY ACCOUNT THE PAST YEAR TO MAKE THE PAYMENTS UNTIL MY PENSION IS RECOVERED! COMPLAINT NUMBER XXXX-XXXX.I HAVE FULL INTENT TO PAY BACK WHAT I HAVE BORROWED! THANK YOU AND HAVE A GREAT DAY!
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 these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : " XXXX XXXX XXXX : Balance : {$0.00} XXXX XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$490.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Formal Complaint Regarding Inaccurate Late Payment Reporting for Account # XXXX Dear CFPB, I am filing this complaint against XXXX, XXXX, and Equifax for their failure to correct inaccurate information regarding late payments reported on my credit report for the XXXX mortgage account ( # XXXX ). Despite submitting two prior dispute requests on XX/XX/XXXX and XX/XX/XXXX, the credit bureaus have neglected to make the necessary corrections, resulting in a continued violation of my federally protected consumer rights. 
Discrepancies : Last Verified : Only appears in XXXX. 
Last Day of Activity : Different dates across XXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), and Equifax ( XX/XX/XXXX ). 
Closed Date : Reported only by XXXX as XX/XX/XXXX ; missing in XXXX and Equifax. 
Account Rating : Listed as " Closed '' in XXXX, but " Paid '' in XXXX and Equifax. 
Account Status : Reported as " Closed '' across all bureaus.

Payment Status : Reported as " Late 60 Days '' across all bureaus.

Violations : Fair Credit Reporting Act ( FCRA ) : 15 U.S. Code 1681i : Credit reporting agencies are required to ensure the accuracy of information in consumer files. My repeated disputes have not been adequately investigated or corrected.

15 U.S. Code 1681b : The reporting of inaccurate late payments violates my right to privacy and ensures only accurate data is furnished to third parties.

Truth in Lending Act ( TILA ) : 15 U.S. Code 1666b : Creditors must send periodic statements at least 21 days before the due date to avoid late fees. The reported late payments indicate a failure to comply with this requirement.

Protection Against Non-Payment of Obligations Act ( PAANL ) : This act underscores the responsibility of creditors to provide timely statements, which appears to have been neglected.

Impact of Errors : These inaccuracies have caused undue harm to my creditworthiness, including potential denial of credit opportunities and higher interest rates. 
Desired Resolution : Immediate removal of the late payment notations ( XXXX and XX/XX/XXXX ) from my credit report across all three credit bureaus. 
Written confirmation from XXXX, XXXX, and Equifax verifying the corrections. 
I have attached supporting documentation, including copies of previous dispute letters and my credit reports highlighting the inaccuracies. If this issue is not resolved promptly, I will escalate my complaint further, including potential legal action and filing additional complaints with relevant agencies. 
Thank you for addressing this matter. Please confirm receipt of this letter and inform me of any actions taken to resolve my complaint. 
Sincerely, XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

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 XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX  XXXX 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 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit card or prepaid card

At the end of XX/XX/XXXX I requested a balance transfer of {$1900.00} from XXXX XXXX XXXX  ( XXXX ) to Paypal Credit ( Synchrony Bank ). I repeatedly checked for an email response. The offer of a no-fee transfer expired XX/XX/XXXX, so I tried again. Both transfers were processed by XXXX even though it exceeded my credit limit. I had assumed that they would not allow that to happen. As soon as I saw my balance on-line I called to try to correct it. At that time XXXX   customer service told me they would be able to cancel the second identical payment. When I received my first statement my balance was {$3900.00}, double my {$2000.00} credit limit. This negatively affected my credit score. I called cust. srv. again and explained situation. They assured me it would be simple to correct. I waited til the next statement and it was not corrected. I called again. This time they told me check XXXX for {$1900.00} was sent to Paypal on XX/XX/XXXX and check XXXX for {$1900.00} was sent on XX/XX/XXXX. I waited for my Paypal statement and saw they had applied only one payment. I called them with the check info XXXX  had given me. They said they would look into it. Weeks later I got a letter saying they had received only one payment of {$1900.00} and the error was XXXX 's. I had comenity send paper copies which I relayed to Paypal. After another month, no correction or resolution. I have spoken to XXXX c.s. five times and received the same copies three times. I have spoken to Synchrony c.s. three times and spent {$18.00} in fees to fax them all XXXX has provided me. Each company points the finger at the other and show no interest in actually speaking to each other and tracing those funds. I did not send any check or receive any check so I do not have access to any bank information. I am helpless at this point. They are the only people who can actually find out what happened to those funds and they refuse to do so. I need help. This has negatively affected my health and credit score. Please hold them responsible for solving this discrepancy. I am XXXX and live on Social Security. My entire monthly income is much, much less than {$1900.00} and I am very responsible about handling my debts.
Product: Credit reporting or other personal consumer reports

Re : Identity Theft Recovery To whom it may concern I am writing you to correct my consumer reporting personal information with the following name if you don't have it already as " XXXX XXXX XXXX ''. I have enclosed my government issued ID, social security card and court order along with an affidavit of identity for verification purposes.please update immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please remove this erroneous account from my credit report as it is not mine and I did not authorize anyone to use it.
Product: Credit card or prepaid card

I do not have a credit card number to provide because I dont have the card and they wont provide it. All I know is it ends in XXXX. In order to get the number they said they needed to send me a new card. More confusion. 


Credit card issuer Citi Rewards+ is unable to provide details of a purchase/s that they say was made and Ive been paying on monthly for two years. Im not sure how long Ive been paying because I have no information provided to me on their website before XX/XX/2023. 

A new number was issued they said, and a new card was supposedly sent out that I never received. I asked if anything was activated- no. 

Online statements start in XX/XX/2023. Two supervisors looked back on the old number and show no purchases. One said there was a loan made but could not see details. I have never taken a citi loan nor do I recognize or have any documentation of this new number they are crediting my payments to. 

I requested full documentation, as I have no information to go on via their website and the agent was not able to provide additional details other than mailing in 7-10 business days, which she acknowledged did not show details. She then said file a complaint with the fraud department, which she did. 

Further more, they said I called in in XXXX to dispute charges I didnt recognize. However- there are and have not been any charges to dispute in years, per three agents. I can only see back to XXXX and would, not have any reason to disput e charges that don't exist. I did not receive a new card. 
Ive been paying XXXX XXXX  month in autopay, for how long I am not able to see. I would like to know and see detailed documentation what it is Im paying on and for how long.
Product: Mortgage

I had requested help regarding my mortgage that I had with AmeriHome mortgage and they were very. Unclear regarding the forbarence agreement and the terms behind it. So when I had very little time to communicate regarding the HAF assistance that I was approved for they claimed that I denied the assistance and did not apply it to my account knowing that I was in need of help financially. Then they had posted a sheriff sale and by that time I was unable to provide the information I needed to them in order for the sale to be post-poned. So then by that time I was very uneducated and unaware for what needed to be done in order for my mortgage not to be deferred.
Product: Checking or savings account

{$5.00} Maintenance fee was charge to my accountant monthly they said because I did no have over {$300.00} in my account this happens on the XXXX of each month. But XXXX just came in and I have more then {$300.00} and they charge me another fee. They would not remove my fee this is Bank Of America.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was informed that Bank of America made a hard inquiry on my credit report on XX/XX/23. I did not authorize this inquiry, or apply for any sort of loan, mortgage, or credit card.
Product: Credit reporting, credit repair services, or other personal consumer reports

These addresses does not belong to me listed below can you please remove Im disputing now please understand you are now being put on notice that this addresses listed below are not mine The following address listed below are a result of identity theft and was not initiated by me I demand that they are deleted immediately My identity has been stolen you are hearby put on notice.You have aided this fraud by not verfiying these addresses Congress States 15 USC 1681 Fair Credit Reporting Act ( a ) Accuracy and fairness of credit reports ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality and a respect for the consumers right to privacy This is Correct information below please update First in last name only : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX # XXXX XXXX XXXX  XXXX Date of birth : XX/XX/1990 There may be individuals with a name the same as or similar to mine. Creditors may Have entered My name incorrectly when requesting my credit report. 
Regardless, There are forms of my name and address that should not appear in my credit file. 
These Are the Incorrect addresses below please remove XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Debt collection

I have had a Citicard Credit card that was closed back in 2014. I was on a 6 year plan to pay it off. 6 years have passed and they said I still owe the debt after faithfully paying every month, because the account protection was not removed. I stopped receiving statements and the account is so old that they can not archive any documents. This account should have been paid in full and closed as all debts have been paid and I can pull bank records to prove this. I need direction as to how I can further resolve this issue. Thank You