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

Complaint against XXXX Credit Reporting Agency. They show loan ending XXXX in my name active in Chapter XXXX Bankruptcy. This information is destroying my credit score and report. I have contacted XXXX and have had no success in getting this error removed. The Chapter XXXX Bankruptcy in XXXX XXXX XXXX XXXX name. The court will provide proof that I am not in bankruptcy in anyway whatsoever. This error has been reported since XX/XX/2013. Ironically XXXX and XXXX are not showing any derogatory information on this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Outline of my dispute with Equifax XXXX and XXXX Credit Bureaus / Reporting Agencies : XX/XX/XXXX - Requested an investigation of a XXXX  XXXX Bankruptcy via a letter sent standard US mail. 

All three reporting agency responded stating the XXXX  XXXX Bankruptcy was verified by XXXX XXXX XXXX. 


XX/XX/XXXX I contacted the Equifax XXXX and XXXX via a letter sent certified mail requesting an reinvestigation of a XXXX  XXXX Bankruptcy as via US certified mail. In which I provided all three reporting agencies with a letter from XXXX stating that XXXX was unable to verify the accuracy of the bankruptcy. 

All three reporting agencies responded stating the account is verified accurate. 

XX/XX/XXXX I contacted the Equifax XXXX and XXXX via a letter sent certified mail requesting they provide me with the Method of Verification for XXXX  XXXX Bankruptcy. 

XXXX responded stated that the company that reported the information has certified to XXXX that the information is accurate. - despite me providing the letter from the company ( XXXX ) admitting that they are unable to verify this account. 


XXXX XXXX stated that the XXXX  XXXX Bankruptcy is verified by the furnisher USBK Court New Jersey. - I have provided a letter from the US Bankruptcy Court of New Jersey stating that the court does not report information directly to the credit bureaus / reporting agencies. 

Equifax stated that the account information was obtained from third party vendor XXXX XXXX XXXX- despite me providing the letter from this vendor acknowledging that they are unable to verify this account. 

Despite countless efforts of providing sound evidence of the inaccuracy and reportability of this XXXX  XXXX Bankruptcy to Equifax XXXX and XXXX Credit Bureaus XXXX XXXX XXXX they refuse to remove this inaccurate item from my credit report. The credit bureaus failure to ensure that the information they are report is verified and accurate is having injurious impact on my life and ability to trust the systems.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.

Items that need attention : XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/year> Balance : {$0.00} Charge off XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

As Chase premium account member, there is {$0.00} fee for incoming international wire transfer. However I was charged me {$10.00} for a incoming international wire transfer dated XX/XX/2018. This is the second time I was charged an hidden fee by chase. Last time it happened on XX/XX/XXXX. I had contacted them without resolution. I had to file a complaint with CFPB ( XXXX ). One explanation I was given by chase customer representatives were the fee was charged by sending bank. But I have and transaction statements from sending bank to proof the {$10.00} fee was not a charge by sending bank. CFPB please investigate how many chase customers have been unknowingly charged by this hidden fee for international incoming wire transfer. This is no difference from stealing money from customers. I want a refund from Chase.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Experian has NOT complied with the fair credit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed dispute regarding inaccurate information that is being reported on my credit file. I have not received anything regarding my dispute results which have been well over 30 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX XXXX Account XXXX XXXX XXXX XXXX has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section A 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

XXXX5 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Mortgage

Last year I applied for a home loan modification thru wells Fargo. The experience was horrible to say the least. I was never deliquit on mortgage till they told me to stop paying the full amount and start paying the trial plan amount. This put a negative mark in my credit report that everyone sees with out looking into as Serious Deliquit. After you find out what happen it shows loan modification. But based on the credit inquiries that 's the first thing they see when pull credit and it makes me look bad cause I never had to this day serious deliquit till after all that. The process was a nightmare from not getting my phone calls returned because my home preservation person was never there always out of the office. Left XXXX some voices mails being for a call back come to find out she 's been gone for a while. Her mail box was full, no help from them, getting hung up on cause they did n't wan na talk to me. Was reassigned someone else towards the end after begging and asking for help. Just picture having a deadline and then not being able to talk to the person handling your case cause she 's been out of the office for a month. Would like the serious deliquit removed please.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a complaint of the balance that was currently on my account. I was told that it was correct it when I open my credit report on today, I see that XXXX XXXX has went back on their word and changed the reporting on my credit report back to negative remarks and not the information they stated that would be changed to.
Product: Credit reporting or other personal consumer reports

I have carefully reviewed my credit report in the XXXX credit bureaus. I have been turned down for a credit due to mis-reporting information, I have found inaccuracies that should be immediately investigated. I have complete knowledge of the Fair Credit Reporting Act and understand that these companies have a responsibility to notify me prior to or no later than 30 days of such negative activity reporting against me.XXXX  XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

As I reviewed my credit report I see the following account that are not belong in there.
Product: Credit reporting

I have a security freeze placed on my credit reports with all XXXX credit reporting agencies. When I need to thaw my credit reports I can go to the website of the agency, and using my personal information and a PIN that is assigned to me by that agency, I can temporarily unfreeze my credit so I can apply for credit when I need it. This has worked fine for me until the last XXXX times that I have tried to thaw my credit ( starting in XXXX 2015 ). Now XXXX of the agencies, Experian, will not allow me to thaw my credit online or through their automated phone system. They are requiring me to send to them via US Mail, copies of my driver license, Social Security Card and a current utility bill. This has turned the process of thawing my credit from a simple XXXX minute exercise into a seven day wait and a major inconvenience. I have been unable to contact anyone at Experian to help me resolve this problem.
Product: Credit reporting or other personal consumer reports

THE FOLLOWING INQUIRIES ARE FRAUDULENT AND NEEDS TO BE REMOVED : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX THE FOLLOWING IS A FRAUDULENT ACCOUNT AND NEEDS TO BE REMOVED : XXXX XX/XX/year> XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : XXXX. Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Validate Account XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Validate Account XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Verify This invalidated account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Verify This invalidated account XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Verify This invalidated account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Verify This invalidated account XXXX Account Number : XXXX Please remove it from my credit report.
Product: Payday loan, title loan, or personal loan

The loan was taking out through the contractor to install gutters and garage doors at that time both my husband and myself was employed and had no problem making the payments but as of XXXX of XXXX we started having financial difficulties first myself and then my wife Myself with XXXX and my wife with XXXX problem on XX/XX/XXXX we contacted our creditors including XXXX and tried to workout an hardship plan but XXXX have refused to work with us in XXXX a lady by the name of XXXX requested we provide proof of our present income which we did and we stated that the most we could pay monthly is {$200.00} nothing has been done and we continue to receive phone calls asking to pay the regular monthly amount of XXXX and two letters threatening with taking action to demand the entire balance to be paid in full we were asked in XXXX to make a regular payment subject to working out a reduced payment and again in XXXX and XXXX at which time we borrowed the money to make those payment hoping the problem would be solved and in XXXX we received another phone call and also a letter demanding the full payment. 
Please help us to work this out because we are not refusing to pay but at this time we can not afford the regular and or full payment the only income we are receiving presently is about half of what it use to be we can just about make our mortgage payments to keep a roof over our head and are seeking help to pay our utilities and taxes that continue to increase Thank you, XXXX XXXX
Product: Checking or savings account

Hello! I wanted to file a complaint against Chime bank. I understand theyre not a bank but my money was stored there. Ive been a customer for about almost two years, I never had an issue till XX/XX/XXXX. At XXXXXXXX XXXX all my savings was transferred to my checkings account. I see that my card was being used in XXXX XXXX Fl XXXX XXXX store XXXX. My card was used there three times. The first transaction was {$210.00} at XXXX the second one was {$210.00} at XXXX and the third one was {$200.00} XXXX. They proceeded to use my card at XXXX XXXX in XXXX XXXX Florida XXXXXXXX XXXX  XXXX for the amount of {$1.00} XXXXXXXX XXXX 
They still continued to make purchases, my card used at XXXX after the XXXX XXXX for the amount of {$3.00} at XXXX, second time for {$1.00} at XXXXXXXX XXXX and third time for the amount of {$11.00} at XXXXXXXX XXXX  That was the third time they used it at XXXX. They at last they used my card on the mobile app XXXX XXXX XXXX, the amount used was {$20.00} at XXXX. I never made any of these purchases. I live in a different state.I dont have family in Florida where the transactions were made, nor anybody that has access to my card and bank information. I never go into store multiple times making these type of transactions! My money was being used by someone that was unauthorized. I see that my claim was denied but Im not going to give up. This money was worked with a lot of hard work and sweat. I need every cent of it back! I never had a problem banking with chime but this will be the last time I do. I filed a dispute with Chime and they did their investigation I received an email saying my claim was closed on XX/XX/XXXX at XXXX. They told me no error was occurred therefore no funds will be credited to your account and this claim is considered closed. I feel like they are doing nothing to help me recover my funds I made a call today and they said they will send me my documents that they used during this investigation. I recommend everybody to save themselves some time and choose wisely on who to bank with. Below I attached the screenshots of where the purchases were being made and the amount with the time.
Product: Debt collection

I 'm receivin g 5-7 calls per day from Synchrony Bank concerning my Lowes c redit card. I pay them what I can but with a {$38.00} late fee, Its hard to get caught up. I told them my wife had been out of work unexpectedly for  XXXX  so we are down to  XXXX  income.  I   XXXX   XXXX   XXXX    and they call me all day 7 days per week. I ca n't talk on the phone while   XXXX   per company policy. I DO consider this amount of calls harassment. It 's ridiculous. If I do n't have the money at  XXXX , I 'm not going to have it at  XXXX . They wake me up on my one day off and I 'm to the point that I do n't care what they do. I 've had good credit my whole life but I 'm about to give up. My  Lowes  bill is not going to come before my family eating. I live pay check to pay check. I wish I could do more but I ca n't right now.    PLEASE HELP   XXXX   XXXX   XXXX   XXXX  XXXX  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX To Whom it May Concern : Experian XXXX. XXXX XXXX XXXX, TX XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX, PA XXXX I recently pulled a copy of my credit report and noticed the following information are in error : Inquires The FCRA states that the only permissible purpose for pulling someone 's credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order. 
The following inquiries are related to none of the aforementioned permissible purposes. 

XXXX Inquiry from XX/XX/XXXX + Bank XXXX Inquiry from XX/XX/XXXX + Bank XXXX Inquiry from XX/XX/XXXX + Bank XXXX Inquiry from XX/XX/XXXX + Bank XXXX Inquiry from XX/XX/XXXX + Bank XXXX Inquiry from XX/XX/XXXX + Bank SXXXX XXXX Inquiry from XX/XX/XXXX + Bank XXXX Inquiry from XX/XX/XXXX + Bank XXXX/XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX Please remove these inquiries from my credit report. I have enclosed a copy of my proof of identity. Sincerely, XXXX, XXXX XXXX SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Product: Debt collection

Account Name : PUGT SND COL Account Number : XXXX Date Opened : XX/XX/2018 Balance : {$710.00} Reason : Identity theft Please remove it from my credit report.
Product: Payday loan, title loan, personal loan, or advance loan

As an XXXX XXXX service member in the United States XXXX I applied for Federal SCRA benefits and XXXX XXXX XXXXXXXX Benefits under the XXXX  Revised Code Section XXXX. I was denied benefits and told by XXXX from the XXXX XXXX office that unsecured loans are not covered under those benefits within XXXX XXXX XXXX. After speaking to my local Judge Advocate Generals office as well as reaching out to the XXXX Attorney Generals office, I was told that the information from One Main Financial was inaccurate and was not in compliance with State or Federal laws in regard to SCRA.
Product: Checking or savings account

I attempted to pay for a service rendered using by Banco Popular Checking Account XXXX debit card. Banco Popular deducted ( stole ) the {$1400.00} from my account and did not pay the vendor. The vendor likewise has a Banco Popular account. The vendor complained I had not paid his bill after 5 days. I went online to check if the transaction had processed. My online banking states ( and I printed the form ) that the transaction is in processing since XX/XX/XXXX. Today is XX/XX/XXXX. I called the bank. The bank found the transaction and said the funds would be released tomorrow. The bank stole my money and benefited from the use of my money for six days. The bank never attempted to reach me or inform me of a problem or delay. The bank stole my money and has damaged me emotionally as I am embarrassed that a vendor believes I do not pay my bills and may not provide services to me any more. I have been harassed by the vendor to pay a bill that was paid. I am denied the use of my money which had been entrusted to Banco Popular. I have been denied interest earnings on the stolen funds. Banco Popular solely benefited from stealing money from my bank account with them and fraudulently misappropriating the stolen funds for their on personal benefit. The Banco Popular representative named XXXX at the Banco Popular XXXX XXXX XXXX XXXX in XXXX stated that the funds would be released on XX/XX/XXXX. Banco Popular Puerto Rico, needs to have these practices investigated, publicly reported and admonished. Banco Popular needs to contact the vendor and apologize for its misappropriation of funds. Banco Popular should be fined and forced to apologize in writing. Banco Popular needs to pay me the interest I lost.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Equifax XXXX XXXX XXXX XXXX, GA XXXX XXXX, XXXX XXXX XXXX SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX To Whom It May Concern : This letter is a formal request to correct inaccurate information contained in my Credit Reports. The item ( s ) listed below are as follow : Please update to the correct address XXXX XXXX XXXX XXXXXXXX XXXX XXXX I HAVE BEEN LIVING THERE SINCE XX/XX/XXXX PLEASE UPDATE MY CURENT ADRESS, THESE ADDRESS DO NOT BELONG TO ME XXXX XXXX XXXX XXXX PL XXXX XXXX XXXX, FL XXXX Resident typeApartment complex XXXX XXXX XXXX XXXX XXXX XXXX XXXX typeSingle family XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX typeSingle XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Resident typeMultifamily XXXX XXXX XXXX XXXX XXXX, FL XXXX Resident typeSingle family XXXX XXXX XXXX XXXX, FL XXXX Phone numbers THAT DO NOT BELONG XXXX XXXX XXXX XXXX XXXX XXXX Residential ( XXXX ) XXXX Cellular ( XXXX ) XXXX Cellular Employers DO NOT BELONG TO ME XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NAMES DO NOT BELONG TO ME XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Requested Correction XXXX please update all info to my correct info I have sent all evidence to support your claim ] In accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, correct ] any and all the item.

Furthermore, pursuant to 15 U.S.C. 1681i ( b ), I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes.

Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past six months.

Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item ( s ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to comply with the above requests within the time periods specified. Failure to do so will result in a complaint being filed with the Federal Trade Commission I have also enclosed a bill with my Name and current address. 


XXXX, XXXX XXXX XXXX SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 2nd request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX