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

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New Jersey XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear, Transunion Re : This is not a regular dispute. Take action immediately you are in violation. 

I am a victim of identity theft and I write to dispute certain information in my file resulting from the crime that i recently became aware of. The items I am disputing do not relate to any transactions that I have made or authorized. Please REMOVE this information at the earliest possible time. 

As required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) a copy of which is enclosed which states that this information must be removed within XXXX business days of receipt, I am requesting that the adverse information on the items be removed to correct my credit report. 

Please investigate these matters and remove the disputed items as soon as possible. 

XXXX. The following personal information is incorrect Account Number : XXXX XXXX XXXX XXXX XXXX, NJ XXXX- This address is not correct. Delete it immediately from my report. 

XXXX. The following personal information is incorrect Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX- This address is not correct. Delete it immediately from my report. 




Enclosures : Proof of identity : Proof of Address, ID, FCRA XXXX Enclosure Identity Theft report Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section XXXX ( a ) ( XXXX ) ( A ). Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within ( XXXX ) days of the completion of your re-investigation and I am keeping a careful record of your actions, including your XXXX of XXXX. I do not consent to e-Oscar or any means of automated verification. 

Failure to respond satisfactorily within 30 days of receipt of this certified letter XXXX result in a small claims action against your company, seeking {$5000.00} per violation for : XXXX. ) Defamation XXXX. ) Negligent Enablement of XXXX XXXX XXXX. ) Violations of the Fair Credit Reporting Act XXXX. ) Financial Injury My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New Jersey XXXX SSN : SS # : XXXX P.S. Please be aware that dependent upon your response, I XXXX be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : XXXX XXXX XXXX XXXX of XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX Washington, XXXX XXXX CC : Law Firm XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Consumer Financial Protection Bureau CC : Attorney Generals Office CC XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX : Comptroller Of The Currency CC : Federal Reserve XXXX XXXX : Credit and insurance CC : Federal Trade Commission XXXX : XXXX XXXX XXXX XXXX : California Regulatory agency Division of consumer complaints Thank You, Sincerely, XXXX XXXX
Product: Mortgage

I Have been attempting to get reviewed for a loan modification And have submitted a complete package but I am not getting answers or any communication from our single point of contact XXXX XXXX at extension XXXX even through several messages on her machine and have spoken to other home preservation specialist XXXX with extension XXXX and claimed he would send a message for our SPOC rep to contact regarding the modification. At this point I am desperate, I am afraid ASC/wells Fargo is setting me up to lose my home. Please help me get through this tough time with the servicer
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. The information listed, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.
Product: Checking or savings account

On XX/XX/XXXX there were 2 unauthorized transactions one for {$32.00} and one for {$85.00} that i did not make one was at a restaurant in texas and one was in California so i dont know why my dispute wasnt approved the time diff is a hour apart so theres no way i couldve made those transactions by the way i stay in Nevada . I tried to rebuttal twice but my dispute was denied twice by chime even though the evidence is clear as day I'm so stressed out about this situation all I want is my money I recently tried to submit another claim and there still denying it. I haven't got my money back since XXXX its now XXXX
Product: Credit reporting 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. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries. 

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Payday loan, title loan, or personal loan

I took out a loan in XXXX. I am elderly and only get {$390.00} a month for Social Security. I have been making payments when I can but I can't pay the {$240.00} payments they want, so every month I call and make arrangements to pay {$100.00} a month which is affordable to me. The company knew when I signed up that I only get {$390.00} a month! This month has been bad..I have had the " flu '' and forgot to call them! When I did call them the lady on the line was very abrupt with me and assured me that this debt would be sent to a COLLECTION AGENCY..no ifs, no ands, no buts. She didn't even make an effort to help me!! Then, imagine my surprise when I check my bank account and find that I am NEGATIVE {$880.00}!!! 
All because this company decided to suddenly collect all the money I couldn't pay on the loan.. So..now, not only do I owe the loan company but I owe the bank all this money now too!! PLEASE PLEASE PLEASE help me!! I don't have any paperwork because everything was done online!
Product: Credit reporting or other personal consumer reports

Checkr , Inc. has provided XXXX with an inaccurate background check. The background check is bringing up multiple driving violations and a XXXXXXXX XXXX that does not belong on my background check. 
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 or other personal consumer reports

Contacting you to formally dispute a late payment reported on my XXXX card, XXXX XXXX and XXXX  accounts. I did contact the representatives on XX/XX/year>, XXXX card refused to assist with this matter. According to my records, the late payment reported on XXXX of 2025 is inaccurate and should be removed from my report. 
Under XXXX XXXX XXXX XXXX ( b ) of the truth in lending, creditors are required to provide periodic statements that accurately reflect the terms and transactions of the account. If a billing error or failure provide sufficient notice of payment terms had ocurred, the creditor XXXX not lawfully penalize the consumer for non payment.
Product: Credit card

In XX/XX/XXXX we made a deposit on XXXX XXXX  for {$15000.00} on our Bank of America credit card that was for reservation # XXXX that was to take place on XX/XX/XXXX. In XX/XX/XXXX XXXX  declared bankruptcy and directed us back to our credit card company for a refund. We promptly filed a dispute that was denied due to the date of the charge which we disputed multiple times. I then decided to wait until the date of our cruise to file the next dispute due to not receiving the services that had been paid for. 

They acknowledged that I was entitled to a refund and credited my account {$960.00} and claimed I had already received a partial credit of {$14000.00} in XX/XX/XXXX. I filed yet another dispute letting them know that that credit was for a cruise that was booked in XXXX to take place in XX/XX/XXXX but was cancelled due to XXXX  and was reservation # XXXX. I provided the documentation of that cruise and payments that were made in XXXX and XXXX of XXXX that were ultimately refunded in XX/XX/XXXX.
Product: Money transfer, virtual currency, or money service

On the date of XX/XX/XXXX I stated to Chime that I tried to contact XXXX XXXX due to the policy stating that they only do a transaction after the 30 days Instead of abiding by the policy on the XXXX XXXX website which was to charge the card after 30 days they actually took the money out the the same day and on XX/XX/XXXX. Chime stated they did not see where an error was occuring.
Product: Credit reporting, credit repair services, or other personal consumer reports

Every time I get a quote for insurance either I was ineligible, or it was too high. I would always ask what the reason for this and I was always get told that it could be because of my credit. I decided to pull my credit and I am extremely shocked on the outcome of the report. The things I have listed on this application are not mine. Please remove these items from my report. XXXX XXXX {$500.00} XXXX XXXX   XXXX {$660.00} XXXX XXXX XXXX {$1200.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 I made a purchase at XXXX XXXX for a total of {$17.00}. I inadvertently missed my payment which was due on XX/XX/2018 due to being in XXXX. I was charged a fee of {$17.00} plus {$2.00} interest for a total of {$19.00}. On XX/XX/2018 I was charged an additional late fee of XXXX and XX/XX/2018 an interest charge of {$2.00}. On XX/XX/2018 when I go back stateside XXXXXXXX XXXX  received a payment of {$62.00}. I called XXXX XXXX on XX/XX/2018 and after explaining the situation in addition to the fact that I have a good history th I was credited the following amounts by customer service. I was also told that this would not be reported to the credit bureau as they do not report until a payment is more than 90 days late. 
I was credited by XXXX XXXX the following amounts XX/XX/2018 LATE FEE CREDIT XXXX XX/XX/2018 LATE FEE CREDIT XXXX XX/XX/2018 FINANCE CHARGE CREDIT XXXX XX/XX/2018 FINANCE CHARGE CREDIT XXXX Which currently leaves my card with a credit to my account of - {$45.00} New balance Minimum payment - {$45.00} DO NOT PAY Currently all 3 credit reporting agencies including XXXX, XXXX and XXXX are showing that I had a late payment 30 days to 90 days despite the fact that I was told that this would not be reported to the credit. The three credit reporting agencies are also showing that my balance is {$0.00} instead of XXXX XXXX owing me {$45.00}.
Product: Debt collection

On XX/XX/XXXX, XX/XX/XXXX and XX/XX/2018, I contacted Cooling and Winter Law office about a notice to collect a debt from XXXX XXXX. I final heard back from someone in the office after several days. I explained that my identity had been stolen in XX/XX/2017 and I could supply their office with copies of the police report and other items needed as the account in question was also not something that I had established. I sent the documents, as mentioned, via email and on XX/XX/2018, I received noticed from Cooling and Winter stating that XXXX XXXX could not substantiate my claim and they would move forward with garnishing my wages.

I have since communicated with XXXX XXXX in the same format as I have with all businesses where accounts were fraudulently established. I have provided the proper documentation, as well. However, XXXX XXXX is adamant that I pay the debt created by some mystery person who has used by social security number, date of birth, address, phone number and more to establish services with XXXX XXXX, apartment communities, hospitals, and even utility companies. In addition, I was dealing with a bankruptcy at the time that the accounts were established.

Any help to rectify this matter is greatly appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS 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 : 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 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
Product: Credit reporting or other personal consumer reports

Subject : Violation of Fair Credit Reporting Act ( FCRA ) - Request for Resolution Details of the Complaint : The accounts listed below have violated my federally protected consumer rights to privacy and confidentiality under the Fair Credit Reporting Act ( FCRA ), specifically under the provisions outlined in 15 U.S.C. 1681. 

* XXXX & XXXX XXXX. 
* XXXX * XXXX * XXXX * XXXX * XXXX The following violations apply : 1. 15 U.S.C. 1681 Section 602 ( a ) : This section guarantees my right to privacy. The dissemination of my personal account information has occurred without my consent, violating this right.

2. 15 U.S.C. 1681 Section 604 ( a ) ( 2 ) : A consumer reporting agency can not furnish any information regarding my accounts without my explicit, written instructions. No such authorization was provided for the accounts listed above.

3. 15 U.S.C. 1681c ( a ) ( 5 ) : This section prohibits consumer reporting agencies from including adverse information in a report that antedates the report by more than 7 years ( excluding criminal convictions ). Adverse information tied to these accounts violates this time limit.

4. 15 U.S.C. 1681s-2 ( a ) ( 1 ) : A person or entity is prohibited from furnishing any information to a consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate. The furnishing of such inaccurate or outdated information has harmed my credit profile.

Requested Resolution : I respectfully request that these violations of the FCRA be corrected immediately by : 1. Removing the unlawful collections and adverse items associated with the accounts listed above from my credit report.

2. Investigating and addressing the improper furnishing and reporting practices that led to these violations.

3. Ensuring compliance with all relevant provisions of the FCRA going forward.

I trust the CFPB will assist in holding the responsible parties accountable and ensuring that my consumer rights are respected.

Supporting Documentation : I am prepared to provide supporting documents, including copies of credit reports and correspondence, to substantiate my claims.
Product: Credit reporting, credit repair services, or other personal consumer reports

Loan was paid off to XXXX XXXX XXXX XXXX but still shows an unpaid/charge off. Letters onXXXX/2018 were send to XXXX, XXXX and Transunion to update and or delete the information.
Product: Debt collection

Four different times last week ( XX/XX/23 ) I called Security Credit Systems to try and pay my debt. Each time when I denied wanting to pay the extra fee to have the debt removed from my credit report, they hung up on me.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 




XXXX XXXX # XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card

Citibank has closed XXXX of my credit card accounts with them for " security reasons. '' While I don't believe this is fair without knowing the exact details, a bank does have the right to close accounts of their clients for their own risk-purposes. However, Citi has closed my account and I have a credit balance that needs to be refunded. Despite multiple attempts via phone and chat to get this negative balance refunded back me, there was no success. This is applicable for XXXX of my credit cards with them. 

In addition, this has happened to me last year when Citi all of a sudden closed my bank account ending in XXXX and NEVER refunded me the almost {$1500.00} in that account. I have been trying for a full year and every time I talk on the phone, they state the account is closed and can't help me. It has reached a point where they won't allow for a dialogue to receive what is already my money. Just because the bank closed the account doesn't mean they take ownership of the money in it. They are acting like dictators and this needs to be stopped by rule of law.
Product: Credit reporting or other personal consumer reports

I have disputed and or paid multiple reports that are still showing up.
Product: Vehicle loan or lease

I attached when the loan was at current this has been such a struggle. I have reached out to Credit Acceptance multiple times once because I had an XXXX XXXX XXXX XXXX XXXX. Then we received custody of our XXXX grandchildren unexpectedly and Covid blah blah blah. They basically gave me no choice regarding payments that I did admittedly miss a few and have been charging 22.9 % interest rate The entire time. In my opinion, this is astronomical they have not been willing to help instead, tell me that theyre going to repossess my vehicle.
Product: Mortgage

On Friday XX/XX/XXXX i called to make a past payment for XXXX since Im Behind and they charged the wrong account I have not used in over 4-5 months that I told them to remove as it is no longer an account to use. They charged the old account overdrawing my account by over {$3500.00} and I was hit with over {$100.00} in overdraft fees. I called to address the issue with no help and getting the run around I would like a refund of the XXXX to that account plus the {$150.00} in overdraft fees as a result so they can bill the correct account. No one has tried to help or resolve the issue.
Product: Checking or savings account

Hello. My name is XXXX XXXX and on XX/XX/2021, I noticed a fraudulent activity for the amount of {$2000.00} withdrawn from my Chase checking account via XXXX. Within an hour of noticing, I contacted Chase regarding this fraud. The chase representative informed me that it would take 10 days for the claim to get processed. Within those 10 days, I received a text alert stating that a new recipient [ XXXX ] was added or edited to my XXXX contacts. I proceeded to contact chase regarding this matter. A Chase representative informed me to send a screenshot of the text alert to XXXX. A representative also informed me that my claim was denied and closed. Being shocked by the news, I spoke to another representative and she informed me to fax all the proof that my email and social media was hacked that same day to the Chase fraud department. About a week later, I contacted Chase again regarding an update on my fraud claim. During this phone call, I again was informed that my claim was denied and closed. I have been a loyal chase customer for over a decade and a previous J.P Morgan employee. I truly can not believe the lack of customer service from Chase. I am a dissatisfied customer and I would truly appreciate if I can obtain support and assistance from you with appealing the decision from chase bank to deny my fraudulent claim. In an effort to rectify this issue, I will be filing a police report and re-appealing the decision. Feel free to contact me via email at XXXX or via phone XXXX XXXX XXXX XXXX. Thank you in advance.
Product: Credit reporting or other personal consumer reports

My account with XXXX MORTGAGE AND XXXX XXXX EMPLOYEE was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX MORTGAGE AND XXXX XXXX EMPLOYEE never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports