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

Dear credit reporting Department, I am writing to formally request the removal of an account from my credit report as reported by XXXX. this request is based on the recent deletion of an account by XXXX, one of the four major reporting agencies. I recently disputed a charge -off for {$850.00} from XXXXXXXX XXXX XXXX 
{$350.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$400.00} XXXX XXXX, Listed on my XXXX report, and following a thorough investigation, XXXX has completely removed this unverifiable debt from my report as of 12 18 2024 According to the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C 1681 ), All consumer reporting agencies must ensure that information in Consumer Reports is accurate, fair, and verifiable. 
Since XXXX has removed this account after it's verification process, I request that you do the same and remove the unverifiable account from my credit report.

Supporting consumer Laws : FCRA section 611 ( 15 U.S.C 1681i ) Requires that inaccurate or unverifiable information must be deleted from a consumer 's credit file. I am exercising my right to ensure that my credit report remains fair, accurate, and free of unverifiable information. since XXXX has deemed this account unverifiable and removed it, you must take similar action. 
Additionally, under FCRA section 623 ( 15 U.S.C 1681s-2 ), Information suppliers must report all complete and accurate information. with innovis having deemed this information unverifiable, I urge you to align its records accordingly.

Please provide confirmation of this removal within 30 days of the receipt of this request. if the account is not removed, I am prepared to pursue further actions, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) And seeking legal action un
der the provisions of the Fair Credit Reporting Act ( FCRA ), Including section 616 ( 15 U.S.C 1681n ), Which allows consumers to seek legal recourse for willful non-compliance, and Section 617 ( 15 U.S.C. 1681o ) For negligent non-compliance.

I appreciate your prompt attention to this matter, as it directly impacts my credit reports
Product: Credit reporting, credit repair services, or other personal consumer reports

I.C. SYSTEM, INC has flagged my XXXX account as Collections 2 times in one month. this account does not belong to me. 

I.C. SYSTEM, INC has flagged my account as Collections on XX/XX/2020. 
I.C. SYSTEM, INC has flagged my account as Collections on XX/XX/2020. 

These multiple flags and inaccuracy are hurting my scores.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've contacted Equifax more than 5 times to fix a problem with my Credit Report. The Credit Report are showing information for another person. There are combined information on the credit report such as the other 's person mortgage information, credit card information and personal information. Equifax told me to submit my personal documents to get it fixed and after almost a month, the problem hasn't been fixed.
Product: Checking or savings account

In XXXX of XXXX I was charged {$67.00} from chime Bank stating that I owed XXXX {$15.00} {$11.00} and {$10.00}. these charges was charged seconds behind each other then they stated that I owed XXXX {$4.00} another {$4.00} and then {$18.00} which totaled up to {$67.00} I filed and complained with the bank in XXXX of XXXX and the bank gave me {$67.00} as a loaner but in XXXX the bank decided to say that the charges was correct and took my money I filed another appointment in XXXX of XXXX and ask the bank to send me documents showing how and when did I make this charges with my credit card. I have been arguing with this Bank for about 3 months about these charges I asked the bank to send the proof and documents I still yet not have got them and I decided to get in touch with XXXX and XXXX XXXX sent me statements stating that I did not have an account with them or they could not find their accounts I asked the bank to send me the document showing that I had an account with XXXX I have not received the documents yet and it's been 3 months I also asked the bank to show me the documents from XXXX and what was the proof that I used XXXX which XXXX explained to me that my card was used in Texas but I live in XXXX  XXXX Missouri and have not and can prove that I have not been to Texas because I live in XXXX XXXX Missouri I am XXXX years old and I read all the complaints against chime Bank and I've been with chime for about 8 years and this is my second complaint which time took care of the first complaint with the XXXX and XXXX account which was not the amount of money it is now. I don't think the time bank outside these three charges that ever say that I use XXXX and never would I order XXXX three times in a row in one minute and doordash said that someone in Texas was using my name of course or use my XXXX XXXX XXXX in Texas and got a hold to the person but the only thing doing - put back in my account was {$4.00} and {$1.00} which they took out {$18.00} and two charges of {$4.00} I am getting very editive about this situation because also when I talk to XXXX they actually made a statement to me saying that they could not find the account and sent me documents and then stated that chime Bank have not issued them no money or they would return it but yet have I heard from XXXX and I surely haven't heard from chime Bank I'm hoping the chocolate situation because it don't make sense for this bank to charge people for charges when they do not have an account with a certain companies so it seems like the bank is actually stealing I am planning to go for the witness and file a small claims court case against chime Bank and I also plan to file a complaint with XXXX and also a the Bank association but I decided to let you handle it first and if I don't get the results that I'm looking for that I will find these other charges. I also read over 500 different complaints against chime Bank and lease 175 of them was the same complaint that I have
Product: Credit reporting, credit repair services, or other personal consumer reports

ON OR ABOUT XXXX AND XX/XX/2020 I DISPUTED ITEMS ON MY CREDIT REPORT. EQUIFAX HAS FAILED TO INVESTIGATE AN UNVERIFIABLE, INCOMPLETE AND INCORRECT ITEM. MOREOVER THE HAVE FAILED TO PROVIDE THE INFORMATION ON FILE FOR THE DISPUTED ITEM IN VIOLATION OF SECTION 609
Product: Checking or savings account

Ok so My money has been stuck in look with Bank Of America for 3 years. An amount for XXXX XXXX in my checking an and another XXXXXXXX XXXX in my saving. I had been looking for other banks and thought Bank of America would be a could place to store money but XXXX days later they closed both my accounts Im not sure if one of the associates did something with my account but I went in to get a new card and she set me down to discuss about opening and advanced business saving account which I did. Then 2 days later I get a later saying my account being closed and saying my money will be sent in the mail. But after countless months I am still getting the run around for the check. I had a chance to speak with a higher up to see what was going on and they told me they were still investigating funds after 3 years which is insane even do to the fact I can just go to the bank and verify all information needed like Ive insisted on doing. Also I was told the last time my account was closed for overdrafts fees so I know theres something not being done right on there end
Product: Debt collection

I received numerous letters and phone calls from this collection agency over the course of years. I did not recognize the debt however in order to rid myself of the problem, when I received a letter that was an offer of settlement for an amount that I could afford, I sent in the payment. I 've since learned that this debt is barred by the Statute of Limitations and not even on my credit any longer! Instead of receiving a letter acknowledging the debt payoff, I received another bill for the balance! I wrote on the back of the check and on the return stub ( see attached ) that it was an accord and satisfaction. I hope this will stop them from trying to revive the debt. Outrageous!
Product: Credit reporting or other personal consumer reports

" After reviewing my consumer report, I noticed that there was still late payment on my consumer report which have never been late because the creditor failed to provide any proof or evidence so this needs to be corrected immediately to paid as agreed and never late. ( NAME OF THE COMPANY ) This account is related to a transaction and experience that falls under the EXCLUSION section of the FCRA 's definitions, rules of construction section. It was also reported without my written consent and therefore is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be Corrected. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency ( NAME OF THE COMPANY ) name liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please CORRECT this item from my consumer report! According XXXX XXXX Code XXXX - Permissible purposes of consumer reports The Law clearly states : ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( XXXX ) In accordance with the written instructions of the consumer to whom it relates. I clearly did not give your agency written authorization or written instructions to report this information. Your agency is conspiring with these creditors against me in committing aggravated identity theft and I have sustained defamation of my character, just to name a couple damages should this matter escalate to court. 15 U.S. Code 1681e - Compliance procedures- ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of 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 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. 

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

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent hard inquires in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to helps who are victims of identity-theft. I request that an extend fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications. 

The below listed accounts by the Original Creditors, who have reported these accounts within my credit reports, were not opened by me. I also did not give my authorization for anyone else to open these accounts. Someone else of who did these that I did not know. 

XXXX - XXXX - {$2600.00} - XX/XX/XXXX XXXX XXXX - XXXX - {$1800.00} - XX/XX/XXXX XXXX - XXXX - {$96.00} - XX/XX/XXXX XXXX XXXX XXXX  - XXXX - {$16000.00} - XX/XX/XXXX
Product: Mortgage

Shortly after purchasing my first home I was inundated with letters from a company by the name of Nationwide Biweekly Administration , Inc. These letters, copies of which are attached to this complaint, claimed to provide a more " budget friendly '' payment for my new mortgage loan, provided a " 100 % SAVINGS GUARANTEE '', dissuaded me from adjusting the payments I submit to my mortgage servicer to achieve the same promised results, and indicated their offer would expire because there was a date for me to contact them by. However, the letters did not list any payment processing fees or enrollment fees. I called Nationwide Biweekly Administration, Inc. on XXXX XXXX, 2015 to obtain more information from them, and their representative advised me there would be a {$2.00} debit fee for every payment ( XXXX payments x {$2.00} = {$65.00} per year ) as well as a " one-time deferred payment fee '' which would be approximately 10 % of the gross savings. Per their own correspondence, their sample interest savings for my loan was {$190000.00}. Per their own representative, that would translate to a {$19000.00} one-time deferred payment fee, which is egregious to say the least. After asking if I could simply add XXXX of my monthly principal and interest payment to regular monthly payments in order to equal 13 monthly payments and achieve the same results, their representative again dissuaded me from doing so. Their representative also advised me their letters have an expiration date because most savings occur within the first year. Their representative also advised me that they would also audit my payments to ensure payments are being applied correctly, to which I replied payment applications are easily reviewable on a payment history from my servicer. I believe Nationwide Biweekly Administration , Inc. has misrepresented the interest savings I would achieve through their program, has mislead me about the cost of the program, and persists in offering a deceptive program in which I in no way requested materials on.
Product: Mortgage

Today is XX/XX/XXXX. I have a mortgage through Amerihome Mortgage who purchased my loan in XXXX. I went through a two month period where I didn't receive my normal XXXX XXXX payment and I fell behind on my XX/XX/XXXX and XX/XX/XXXX payments. I called a HUD financial counselor for advice and they suggested I ask to participate in a repayment program. 

When I called Amerihome to request a repayment plan option, they told me that they did an escrow analysis and my school taxes jumped from around XXXX to XXXX a year. AS a result, my monthly mortgage payment starting in XX/XX/XXXX ( I am atatching the statement ) going forward is now XXXX dollars. Due to the high payment, I did not qualify for a repayment plan option. 

I got copies of my tax bills from our County Assessor 's office to verify that my taxes hadn't gone up that high - actually not a t all. I called Amerihome back and tried to get answers on who how and why they decided my school taxes were XXXX a year. They told me that just happens sometimes and they have no control over it. I spoke with the person in charge of my escrow account and he had no explanation either. They told me they were going to put in a work order to do an investigation which would take about 30 days. 

In the meantime, hey repayment plan is not an option for me and in another 30 days I will be in a worse situation. I can get caught up for XX/XX/XXXX for now but the XX/XX/XXXX payment is XXXX and this company does not accept partial payment. I went down that road before where I sent two partial payments of XXXX and XXXX, they cashed one of the checks, then sent me letters saying I owed the full amount because they don't accept partial payment. It took me almost two months of arguing to get that money back from them. 

I need help and clearly my school taxes aren't XXXX!
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX  XXXX  XXXX XXXX ... XXXX  ( Original Creditor : XXXX XXXX ) XXXX ... XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Product: Credit reporting

My job ran a credit report that included my date of birth and it brings up someone with same name. This person was convicted of " delivery of XXXX " in 1998. I just got XXXX so because of similar last names, I now have no job. If they run my social security number they will see that this person is NOT me.
Product: Credit reporting or other personal consumer reports

I am disputing inquiries that are being reported on all three of my credit reports. XXXX, XXXX and Equifax. I did not authorize nor am I aware of any of the inquiries from the following companies. 

Hard Inquiries Inquiries that may impact your credit scores. These are inquiries made by companies with whom you have applied for a loan or credit. They may remain on your file up to XXXX years. 

DATE COMPANY ADDRESS REQUEST ORIGINATOR XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, CT XXXX XXXX XXXX XXXX SOFT INQUIRIES DATE COMPANY DESCRIPTION REQUEST ORIGINATOR XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Soft Inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX Soft Inquiry XXXX XXXX XXXX XX/XX/XXXX XXXX Soft Inquiry XXXX XXXX
Product: Debt collection

Since XXXX there is a multiple collection agencies who are ruining my credit report for an unknown company this has to stop! I need help to stop reporting each year false information and I think it comes from XXXX where I filed a complaint with the FTC but never have any answer. XXXX stole XXXX XXXX from me in XXXX and I cancel the contract after paying thousands they owe me more than {$5000.00} since XX/XX/XXXX and the FTC never did anything. If this is them it is illegal to claim money when it is false and it is the reverse! I thought it will stop to report false I formation as I called them but no. They continue to use ( I believe its XXXX XXXX new collection agency to ruin people credit report and its unfair. What can I do? After 5 years of battle to stop them?
Product: Mortgage

I HAVE A PREDATORY REVERSE MORTGAGE WITH XXXX MORTGAGE, FORMALLY XXXX REVERSE MORTGAGE. THEY CHANGED THE NAME OF THE COMPANY TO XXXX, BUT STILL OPERATE OUT OF THE SAME ADDRESS AND PHONE NUMBER AS XXXX REVERSE MORTGAGE. MY CHECK SHOWS UP AS LATE AS THE XXXX OF THE MONTH, AND THEY HAVE REDUCED MY CHECK BY {$150.00} PER MONTH DUE TO A FLOOD INSURANCE COMPANY CLERICAL ERROR. ALSO, I FIND OUT AFTER THE LOAN IS IN PLACE, THEY ARE NOT PART OF HUDS REVERSE MORTGAGE DATABASE FOR PROTECTION. HOWEVER I WAS GIVEN HUD APPLICATION FOFMS TO SIGN AS PART OF THE LOAN PROCESS.
Product: Credit card

XXXX XXXX I XXXX XXXX XXXX XXXX # XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, UT XXXX : Account # *******************Dear Capital One, I have been a good customer with your company since XX/XX/XXXX.I am enjoy doing business with your company and have been pleased over the years. Currently I have XXXX open Capital One accountsAnd maintain good standing. ( Accounts Last XXXX numbers XXXX XXXX XXXX XXXX ) I am writing to request a " goodwill '' adjustment be made to Account # XXXX with the XXXX credit reporting agencies. 
Although I made a late payment XX/XX/XXXX, I have an excellent payments history otherwise My monthly payments are always on time. Please consider removing the negative payments reported by your company from my credit reports. The late payment was a temporary oversight and it has not occurred since that time. The late payments I am requesting deleted and / or removed occurred XX/XX/XXXX. 
These late payments do not reflect my overall good payment history with your company and I would like them removed. I experienced a temporary loss of income due to unemployment. Again, I really enjoy business with your company and hope to continue a satisfying in the future. Please make into consideration my loyalty to your company and work with me to remove these negative marks from my credit reports. 
I look forward to hearing from you soon. 
SincerelyXXXX XXXX XXXX XXXX
Product: Checking or savings account

XX/XX/2028 charge was debited to my account which overdrew it by {$58.00} between the XX/XX/XXXX and the XX/XX/XXXX which is nine days I received three separate charges for this one {$58.00} charge. One {$37.00} overdraft to sustained overdraft fees of {$30.00} each and just nine days. Then on XX/XX/XXXX I had a {$20.00} charge debited to my account this charge was expected but because of excessive fees of sustained overdraft charges that come every three or four days which made it out of my reach to catch up. So then on XX/XX/XXXX XXXX made his own decision to charge that card with the charge had not originated from a {$5.00} charge which gave me another {$37.00} fee saying day XX/XX/XXXX I received two {$30.00} charges for sustained overdraft on the same day. Not taking in consideration what our country is going through and the people are going through at this time during the pandemic they are aggressively and excessively pushing this sustained overdraft fee more than anyone else. I am on Social Security XXXX and my income is what I have lived on prices have doubled for food and everything else I had to expected charges get or debits that I could have managed some banks let you see them before they post and if you get there that same day and make a deposit it is fine. This aggressive fee scales needs to be impressed when you get to charges in the same day during the middle of the worst health and economic crisis of our lifetime they should be a little more lax with some of these fees to represent some kind of an American compassion and spirit all my debts get paid every month but these fees are not right. So for a {$83.00} amount of debt they stand to collect {$200.00} and possibly another {$30.00} before my check comes again I have no way to make that money up during this crisis. If they were working with the American people this would never happen. It's almost like one of those scandalous car towing lots where they pick up your car for violation and add so many excessive fees every day to you can even afford to get your car this needs to stop