23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

My credit report are inaccurate with account that are over 7 years oldthis impacts me and cause unfair treatment when I haveapplied for credit, all old information over 7 years must bedeleted especially when the when loan are current andoff
Product: Credit reporting or other personal consumer reports

I was looking for my first credit card about a year ago, and was using pre-approval tools to understand what cards I was eligible for. Without ever having submitted the application, I received a card from Discover, their Student It card, with a limit of {$500.00}. I never used the card, shredded it immediately, and had it closed in XXXX of 2023. The card still remains on my report as an inquiry despite attempts to clarify this issue with the creditor as well as credit reporting agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

Chase Account # XXXX On Tuesday XX/XX/XXXX, I refinanced my home and took out cash to pay a number of creditors. One of which was Chase dba XXXX XXXX finance. I learned Monday, XX/XX/XXXX that creditors were being paid via check and all checks were mailed that day. 

Given that I customarily pay online, I proactively contacted Chase on XXXX at XXXX XXXX  to inform them that my remaining auto lease payments would be paid in full via check. I spoke with a Chase representative for over ten ( 10 ) minutes, furnishing her with the check number and amount of the check. I was assured this information would be noted to my account and would serve as acknowledgement of payment. 

On XX/XX/28, I was contacted by Chase and spoke with another representative for over ten minutes to explain the payment status of my account. I was informed that my account would not be flagged delinquent, as the date of the check would be considered the date of payment. 

However, on XX/XX/XXXX and XXXX, I received alerts that my credit score had dropped by over sixty ( XXXX ) points between all three bureaus due to a late payment report. 

I contacted Chase on XX/XX/XXXX to express my concern, given the efforts made to communicate the circumstances and the information shared by Chase representatives. I spoke with a number of representatives and was ultimately told that a request for an adjustment would be made and I would receive a letter in the mail. 

On yesterday, I received a communication from Chase simply stating that they reported accurate information and to pursue the dispute process via the bureaus. 

I have never paid over thirty days late on this account or my mortgage, ( which was also with Chase ) and paid off during the same process. Credit is a very valuable, yet delicate matter which effects every consumer 's ability to obtain and maintain relationships. Chase in practice, has not honored the word of its representatives and appears to resist resolving a matter worthy of consideration, given the facts.
Product: Money transfer, virtual currency, or money service

On XX/XX/2023, I contacted XXXX XXXXXXXX XXXX in response to an alert I received on my laptop that my computer had been attacked by XXXX XXXX. When I called, the woman asked for remote access to my laptop and ran a software program that showed 25 hackers in my system. She asked me to check my financial accounts to see if any money had been removed and then called Citibank to inform them of the hackers. I then received a call from Citibank Fraud Protection and over the next several hours, they convinced me, along with the XXXXffice of the General Counsel of the Social Security Administration, that I needed to transfer {$44000.00} to a dummy account at XXXX XXXXXXXX XXXX a partner of Citibank, until the hackers were removed from my system and then the funds would be transferred back to my account at Citibank in 24 hours. When I became aware that this was a scam, I called Citibank that evening and was informed that the funds had already been transferred. She said she could not contact XXXX XXXX, made a report, and said I should call Citi Wires the next day. The next day I was informed that XXXX XXXX had been contacted and had not yet responded. I have not heard from Citiback since. I do not feel that Citibank or XXXX XXXX have acted with a sense of urgency, care or concern. I have been a client of Citibank for over 40 years and was planning to use those funds to assist with my cost of living as I am recently retired. A six-page report of the fraud is attached to this complaint.
Product: Debt collection

I received a copy of my credit report on XX/XX/XXXX, where I seen a collection agency listed from XX/XX/XXXX by the name of Cavalry Portfolio Services. I was NEVER contacted, nor given any information in regards to this company. I have absolutely no knowledge of this company and have NEVER been notified by this company. On XX/XX/XXXX I sent a debt validation request, not verification as I have the right to request the contract and proper validation of this debt " claiming '' to be belonging to me and the contract and the amount owed under the FDCPA. On the date of receipt by tracking, that Cavalry received my letter, they reported a {$1.00} decrease in the amount total owed. At first it states {$480.00} now it states {$470.00} on my credit report. I waited for Cavalry to respond and send me proper validation that constitute and aligns with the my rights as a consumer, of which I never received. Also the proof of the license and ability to collect in my state. On XX/XX/XXXX I received a letter from this company dated XX/XX/XXXX, stating they were notating my account as " disputed '' and would write me within 150 days with validation, NOT the proper 30 days that is required by thus set laws. Still did not contain any validation of this debt belonging to myself and the contractual agreement between myself and this company. On XX/XX/XXXX I received a second letter from Cavalry, stating they bought my debt from a company with the same name, and this was my notification of them owning a debt of which I never had a contract with or was ever validated. Stating I have 30 days to respond with a request for validation or else they will assume the debt is mines. " Assuming '' is not legally binding, and they are completely ignoring my request for validation upon initial letter sent to them, in and effort to buy time. This is not correct nor proper, I have already requested debt validation from this company, of which I have yet to receive. Instead I have received the run around. On top of that, placing false information on their forms in an attempt to collect, because they did not properly validate nor notify me of any debt that is claimed to be belonging to myself and then, so in a desperate attempt, they state they sold it to a sub division within their company. The company has the same name, same number, same account number, and is reported to the Credit Bureaus as the same company. They lowered the amount by {$1.00} to falsely make it seem as though, they sold it to cover up the fact, they never notified me, they never presented proper validation, and they have in fact listed erroneous information on my credit report without following the right and proper level guidelines to do so. I feel violated, and yet I STILL have not received VALIDATION of this debt nor a contract, between myself and this company, after I have made the request by mail, have copies, and a certification receipt that they in fact received it.
Product: Credit reporting or other personal consumer reports

This company purchased this account from XXXX and has done nothing but report it to the credit bureaus. They refused to provide any documents or information I have requested. Also I have disputed the account numerous times and the credit bureaus never provide anything that connects me to the account except my name and the address of XXXX XXXX the XXXX XXXX XXXX XXXX who stole my information and rented an apartment, bought this phone and stole money from my bank XXXX which documented the theft and reimbursed me. I am a customer of XXXX XXXX and they agreed it was not my account. XXXX XXXX is in XXXX  awaiting grand jury indictments for identity theft
Product: Credit reporting, credit repair services, or other personal consumer reports

company received Identity Theft Report for inquiry on my consumer report on XX/XX/XXXX, XXXX confirmed with USPS certified return receipt # XXXX. 

Currently past the timeframe for fraud deletions
Product: Credit reporting, credit repair services, or other personal consumer reports

I have this inquires in my credit report that are incorrect and should be deleted.

XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX  XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXXXXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Inaccurate Information on XXXX and Clarity Services Report and Request for Detailed Description of Verification Methods To Whom It May Concern, Details of Complaint : I am writing to formally dispute inaccurate information on my XXXX and Clarity Services consumer report. Upon reviewing my report, I identified several discrepancies that need correction for a fair assessment of my creditworthiness. Accurate reporting is essential, and I believe the current inaccuracies may adversely affect my financial opportunities. 
Despite previous attempts to rectify these issues through the standard dispute process, the items in question were not properly verified. Therefore, I am now requesting a Detailed Description of the Verification Methods used during the investigation of my dispute. 
Specifically, I request the following details regarding your investigation : XXXX. Methods Used : Please describe the specific methods and procedures used to verify the disputed information. 
XXXX. Sources Consulted : Provide a list of all sources, including creditors or data furnishers, consulted during the investigation. 
XXXX. Documentation Reviewed : Detail any documentation or evidence reviewed to support the verification of the disputed information. 
XXXX. Verification Process : Explain how the accuracy of the information was verified and the criteria used for validation. 
XXXX. Timeline of Investigation : Outline the timeline of the investigation, including key dates and actions taken. 
Violations of Law : I believe the verification process by XXXX and Clarity Services violate my rights under the following laws : 11. 15 U.S.C. 1681e ( b ) : Compliance procedures to ensure maximum possible accuracy of consumer reports. 
12. 15 U.S.C. 1681i : Procedure in case of disputed accuracy.

13. 15 U.S.C. 1681s-2 ( a ) ( 1 ) : Responsibility of furnishers of information to provide accurate information.

14. 12 CFR 1022.42 : General requirements for reasonable investigation of disputes.

15. 15 U.S.C. 1681c ( a ) ( 5 ) : Prohibition of adverse information older than seven years. 
I request the Consumer Financial Protection Bureau ( CFPB ) facilitate a thorough reinvestigation of the disputed information in my XXXX and Clarity Services. Specifically, I ask that : XXXX. XXXX and Clarity Services provides a detailed description of their reinvestigation process and how they verified the disputed information. 
XXXX. XXXX and Clarity Services corrects the inaccuracies in my report as identified. 
Enclosed are copies of my XXXX and Clarity Services report highlighting the disputed items and any supporting documentation ( e.g., payment records, correspondence ) that proves my claim. Please review this information and correct the inaccuracies promptly. Under the FCRA, you are required to investigate my dispute within 30 days.
Product: Debt collection

A proper billing statement was not received from the original creditor. The original creditor is The XXXX XXXX complex. After moving out of the apartment, a summary of charges was sent to our new address. This statement did not include an address to send payment, payment methods, payment stub, or due date. Adding to the confusion the enveloped the statement was sent in was addressed from XXXX, GA. The summary of charges document inside the envelope is addressed from XXXX, Al. This debt was sent to Rent Recovery Solutions. The collections agency was notified via telephone on XXXX/XXXX/15 when they called that proper billing notification had not been received from the original creditor, and that they were to only communicate via mail. This demand was ignored several times as we received several phone calls until we sent a certified letter again explaining the situation and requesting validation. The validation sent was the same summary of charges received from the original creditor that again did not include a due date, options of payment methods, payment stub, or address to send payment. A dispute has been sent to XXXX and XXXX, situation explained, proof submitted and has been ignored.
Product: Credit reporting or other personal consumer reports

Ive disputed this account XXXX XXXX XXXX XXXX XXXX XXXX numerous of times. But all XXXX credit bureaus XXXX, Equifax XXXX XXXX keeps saying the account is verified or was updated ( noted : Completed investigation of FCRA dispute - consumer disagrees ). Then the bureaus XXXX, Equifax XXXX XXXX tell me to reach out to the creditor directly, which I have but the creditor XXXX said they could not locate the account. Im in the process of trying to obtain a mortgage loan but this account is hindering my home buying process. Please remove delete the account XXXX XXXX XXXX XXXX XXXX XXXX  from all XXXX credit bureaus XXXX, Equifax XXXX XXXX.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XX/XX/year> XXXX This CFPB complaint has been filed to request pursuant of FCRA Section 605B ( 15 U.S.C. Section 1681c-2 ) that you, the XXXX, XXXX and Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of auto loans, a credit cards and any other accounts from Ally Financial : with a balance of {$3300.00}, XXXX XXXX : with a balance of {$4300.00}, XXXX : with a balance of {$13000.00}, XXXX : with a balance {$1400.00}, XXXX XXXX XXXX with a balance of {$25000.00}, XXXX XXXX XXXX XXXX : with balance of {$7800.00}, XXXX XXXX XXXX XXXX : with balance of {$1000.00}. These accounts have resulted in several hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I have listed these fraudulent accounts that are on the report that is being maintained by you. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report that is being maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX from FTC report as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud Fraudulent Hard Inquiries- XXXXXXXX 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

In XXXX I requested that Equifax investigate / dispute my XXXX Account and Reinvestigate my account. 

While the issue has been resolved by XXXX, Equifax still shows the account as being disputed. It shows this even though Equifax shows the dispute as closed as well the company corrected the mistake.
Product: Checking or savings account

Hello and thank you for your service ( s )! 

I TOO.. Want to help YOU and consumers connect with financial companies to understand issues, fix errors, and get direct responses about problems. 

I WISH I DID NOT HAVE TO COMPLAIN TO A 3RD PARTY. : ( It is semi-comforting to know that Submitting my complaint WITH YOU helps OTHERS TOO and plays a role in everything YOU do, helping YOU to identify problems and prioritize YOUR work AND turn MY complaint into action to improve the marketplace. This is VERY important to me! 

Here is my ordeal in brief. 

NO ONE @ BMO Harris has adequately explined to me " EXACTLY '' why my " electronic deposits '' were not acceptable! 

I opened my BMO Harris accout in early XX/XX/2017 with an promotional incentive coupon from the bank itself stating in fine print I need to have " direct deposit OR ANY other electronic deposit '' of {$300.00} or more for 2 consecutive months ( which I actually did for 4 months, see image screen shot ) and " AUTOMATICALLY '' receive {$200.00}. 

The banker that accepted the coupon XXXX XXXX at the XXXX Wisconsin BMO Harris Branch 1st FAILED to inform me promptly that this may not be acceptable while trying to acuse me of being hostile. I was not in any way hostile and was appologized to by another member of the bank for her behaviour. I was VERY disappointed in her lack of timely concern for my {$200.00} incentive, she merely opened the account, DID NOT CARE and/or forgot about the incentive altogether there-after! She sure DID NOT  forget to sales pitch me for a mortgage though!!! 

I NEVER RECEIVED THAT {$200.00} bucks, it has not been a year yet so this is my final attempt to get my {$200.00} bucks before possible court/legal action. 

Heres your coupon! Promo Code XXXX Swing by a nearby BMO Harris branch with your promo code or open your account online now. Well automatically apply the {$200.00} cash bonus promo code when you apply online. Youll get {$200.00} after you open an eligible checking account with qualifying direct deposits. 

I would like BMO Harris executives to credit {$400.00} for my having to wait a year for it now. 


{ END OF MESSAGE TEXT } - ERROR ATTACHING FILES/IMAGES
Product: Student loan

My daughter has student loans for my undergraduate education at the University XXXX XXXX. There originally were secured through XXXX XXXX, but are now served by Navient. She is in XXXX school, and I am paying interest on the loans under she finishes her education. I am XXXX month past due on interest payments. In response to a phone call, I told the callere that I would be making a payment within a week. Despite this, I and the loan guarantor, continue to get XXXX or XXXX phone calls a day, plus numerous emails.
Product: Credit card

On XXXX XXXX, 2024 my credit card provided by Cred.ai was cloned/skimmed and used to withdraw {$500.00} in {$100.00} increments over approximately XXXX minutes. 
This incident of identity theft was reported to Cred.ai on XX/XX/year>. After an alleged investigation by Cred.ai their conclusion is that the withdrawls were authorized by the card holder and the decision was final. I then requested information as to how the conclusion was arrived. Cred.ai response revealed an investigation which was weak ar best. I hired the law office of XXXX XXXX and accrued {$2500.00} in legal fees in order assist an effort to mitigate with Cred.ai. Plus {$400.00} for personal expenses. 
Cred.ai ignored all request to arbitrate as outlined in the user agreement. Cred.ai has been provided a XXXX XXXX Police report and FTC report.
Product: Debt collection

I am disputing a collection account on my credit report that does not belong to me. Under the Fair Credit Reporting Act ( FCRA ), I request an immediate investigation and removal of this inaccurate information.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion - Incorrect Name, Incorrect reporting, Identity theft, Same Accounts reported more than once, Incorrect addresses, unknown inquires, Old accounts keep reappearing, Multiple Bankruptcies, Student Loan accounts not accurate, Misleading Credit Card Offers/Suggestions Based upon my Score XXXX Incorrect Name, Incorrect reporting, Identity theft, Same Accounts reported more than once, Incorrect addresses, unknown inquires, Old accounts keep reappearing, Multiple Bankruptcies, Student Loan accounts not accurate, Misleading Credit Card Offers/Suggestions Based upon my Score XXXX- Incorrect Name, Incorrect reporting, Identity theft, Same Accounts reported more than once, Incorrect addresses, unknown inquires, Old accounts keep reappearing, Multiple Bankruptcies, Student Loan accounts not accurate, Misleading Credit Card Offers/Suggestions Based upon my Score
Product: Credit card or prepaid card

I had received my replacement reliacard in the mail and activated it and began using it with no problem. On XX/XX/XXXX while trying to make a purchase in store it wouldn't accept it and said invalid card. Called the number on the back of my reliacard and spoke with a rep who informed me my card was made inactive due to an address change and that I needed to fax a copy of the front and back of my ID and a piece of mail with my address on it to them. Enlarged by 200 % and 2 shades lighter than original. I never did an address change or requested one but on the following day XX/XX/XXXX between XXXX and XXXX I went to the local branch library and paid to fax the documents that the rep said I needed to fax. Ive called from that day every day to today XX/XX/XXXX and finally got to speak work a supervisor and was told they had not recieved my fax and I need to fax in the documents and card ID number again and then not to call back no sooner than Friday maybe Tuesday.
Product: Credit reporting or other personal consumer reports

Dear XXXX XXXX XXXX  and consumer reporting agencies, I hope this message finds you well. I recently discovered an error in my recent dispute filings regarding inquiries from XXXX XXXX XXXX. While I'm actively addressing fraudulent inquiries on my report, I want to clarify that my XXXX XXXX inquiries are accurate and valid. XXXX  XXXX Account # XXXX my SSN is XXXX I also have another XXXX XXXX credit card account # XXXX. 

Upon reviewing the copies of my dispute submissions, I realize this was an unintended mistake on my part. I do not want to close my credit card and want to continue making on time payments. I only accidentally disputed the inquiry ( which was accidental. If you have any questions please call me at XXXX. I attached a copy of a utility bill and bank statement as proof of address. I have been doing great business with XXXX XXXX and would like to continue to do so. 

Thank you for your attention to this matter. 

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

BANK OF AMERICA XXXX XXXX XXXX All made Hard Inquires on XX/XX/2023 2023
Product: Mortgage

failure to credit my XXXX 2016 payment towards PITI.
Product: Credit reporting, credit repair services, or other personal consumer reports

Here I am again dealing with another CRA that has refused to give me a copy of my report online and is now attempting to extort my private information from me in exchange for a copy of my report. I am not obligated to share my personal information with Innovis, a company that has never received my permission to share any information about me or my personal business.