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

On XX/XX/2023 I received a copy of my credit report from XXXX, XXXX and Experian. After receiving my report, I noticed that there were inaccuracies on some of my accounts. I sent letters to XXXX, XXXX and Experian on XX/XX/2023 asking them to investigate the accounts and ensure that they are 100 % accurate ( see attached documents for tracking numbers and letters ). XXXX received my letter on XX/XX/2023 at XXXX. XXXX received my letter on XX/XX/2023 at XXXX. Experian received my letter on XX/XX/2023 at XXXX. I received letters back from XXXX and Experian showing that they had completed their investigations into the accounts. I did not receive a letter back from XXXX. I received a new copy of my credit report from XXXX, XXXX and Experian on XX/XX/2023. This is 30 days after my letters were received. Upon looking at my reports, I noticed that there were still inaccuracies. 

On XX/XX/2023 I submitted a complaint to the CFPB about the inaccuracies. Experian Complaint ID is XXXX. XXXX XXXX ID is XXXX. XXXX Complaint ID is XXXX. Experian Responded on XX/XX/2023. XXXX Responded on XX/XX/2023. XXXX Responded on On XX/XX/2023 I pulled new copies of my credit reports AND THERE ARE STILL INACCURACIES. This will be my THIRD TIME trying to resolve these issues. I do not understand why I am being pushed around by the credit bureaus. I do not understand how the credit Bureaus are able to tell me that ALL INFORMATION IS CORRECT, but report completely different information! This is my last time trying to resolve this issue before seeking financial compensation FOR EACH INACCURACY. 

According to the FCRA a credit reporting agency 's role in a dispute is to review accuracy and completeness of any disputed item. PLEASE EXPLAIN WHY THERE ARE STILL INACCURACIES BEING REPORTED IF YOU ACTUALLY REVIEWED MY DISPUTE! 

On XXXX Account Number : XXXX or XXXX, worst delinquency is inaccurate. Payment history is inaccurate. Derogatory events is inaccurate. Closed date is inaccurate. Last activity is inaccurate. High balance is inaccurate.
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 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 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
Product: Credit reporting, credit repair services, or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the listed accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 

XXXX XXXX XXXX XXXX : {$330.00} - I would like to confirm the payment history and status of this account. I believe this account is reporting inaccurate informations. I was never late on this account because I always make my payments on time. I keep my own payment records and the record you present do not match with what I have. I request a thorough investigation for this account and update for legal and lawful accuracy. Thank you. 

XXXX XXXX XXXX XXXX : {$750.00} - Please investigate the way this account reports information. I do not recall being late on the dates this account presents. I always make my payments on time and I was never late. As per FCRA, reporting of account information must be accurate. I need this account investigated and updated immediately for lawful accuracy. Thank you. 

XXXX XXXX XXXX Balance Owed : {$9400.00} - XXXX believe this account is reporting inaccurately. I do not believe I was late on the dates this account presents. I keep records of my payments and I always make my payments on time, I was never late. Please investigate the account name, date of last activity, and account balance. This information seems to be misleading. I request an investigation and please update this account for lawful accuracy. 

XXXX  XXXX XXXX Balance Owed : {$2300.00} - Please check the Payment History and Status information on this account. It is entirely wrong, to begin with. I was never late on this account because I make my payments on time. My record shows that I never missed a payment. Please update all late immediately. The current status is all wrong and a scorable category. Please update for legal accuracy. Thank you. 

XXXX XXXX XXXX XXXX : {$1700.00} - There are multiple errors in the listing that are damaging to me including balance, payment status, and date of last payment. I do not believe I was late on the dates you are reporting. I always make my payment on time and I never missed a payment. Please update for lawful accuracy. Thank you.
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 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 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: Credit reporting, credit repair services, or other personal consumer reports

I have lived at my current address for XXXX years. The account has an incorrect address. This account is reporting as a XXXX XXXX on my credit report with an incorrect address.
Product: Credit reporting or other personal consumer reports

Despite of the several failure to remove fraudulent items from my credit report, I am writing to express my ongoing frustration and concern regarding the. In regards of my previous four attempts to address these fraudulent items, they remain on my credit report, significantly impacting my creditworthiness and causing undue financial and emotional distress. I have diligently followed the procedures outlined by the Fair Credit Reporting Act ( FCRA ). However, the agencies have not taken the necessary steps to investigate and remove these fraudulent items. The continued presence of these fraudulent items on my credit report has resulted in numerous negative consequences, including denial of credit opportunities, increased interest rates, and significant stress. Please help me remove these items immediately : XXXXXXXX XXXX XXXX XXXX, MO XXXX ; XXXXXXXX XXXX XXXXXXXX XXXX, MO XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX ; XXXX XX/XX/XXXX ; DEPT OF ED XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

An order was placed online by my stepmother for a gift from SWISS COLONY XXXX. I was the recipient of the order. The company then proceeded to submit a credit inquiry on my behalf and created and account for this order and will be billing it to me without my permission. The did NOT get authorization from me to obtain my credit, apply for credit etc. They do not even have my Social Security #. But when I called to inquire how this happened they told me that they can submit an inquiry on my credit without my ss # by using just my name and address. My name was n't even correct in their system. They said someone can put in a name and address and can apply for credit from them, and that if it goes through then there is nothing that they can do. I again repeated back to them, that if I just give them any name and address in their online ordering system, they can process credit under that person name? They confirmed. This does not seem legal. I did NOT give them permission. My stepmother is sending them a notorized letter stating that she is the one responsible for the order and I also have submitted a dispute on my credit. But I need to understand how this is legal. Can a company process credit to you without your SS # and permission? 
Please help/
Product: Checking or savings account

On XX/XX/2019 at XXXX XXXX at XXXX XXXX XXXX, XXXX, New York XXXX I was informed that my Chase Checking account was closed by the Branch Manager Vice President XXXX XXXX. 

Lost Prevention informed me they did not know why. ( XXXX ) Lost Prevention ( XXXX ) informed me that it was closed for No specific reason, they felt like it. That is the reason. 
On that day I was about to deposit {$1000.00} into my Chase checking account, which has a balance in it. This account is used to pay my Chase Home loan and other bills. 
I have had accounts with Chase for years.

After coming home I called Chase and spoke with XXXX at Loss Prevention XXXX, She had no further information. 










































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

Equifax was negligent in their handling of their IT security. After having a security breach for over three months they did not notify affected consumers for longer than a month. After having to discover for myself  that I was effected by this security breach, it costs me more money to freeze my credit to make sure that no thieves can steal my credit. Having to waive my rights to sue and agree to arbitration to receive free credit monitoring after their mistake is wrong, and opportunist.
Product: Checking or savings account

On XX/XX/XXXX, i was in XXXX ny and i was robbed for my belongings. My wallet, my ids, my cards were all stolen. I had to then put a block on my credit cards when i was able to reach a phone. My phone was also taken. I reported this to the bank that they need to dispute all charges since the XXXX off my card. They have yet to do so, they then emailed me and told me they arent responsible for me being robbed and pretty much thats my loss. Absolutely not, that was my rent money and money for my daughter on my card. XXXX  of dollars and i will absolutely take legal action if i dont get my money back. I sent them my police report and they still denied me.
Product: Student loan

Navient has been overcharging interest on my federal XXXX loans. 

Even though I am on an IBR plan, I pay weekly ( approximating what I would have on a standard plan ) because I understand that interest compounds daily, and any overpayment I make is supposed to go to principal. 

On the first payment of every month for the past six months, I noticed that the split between principal and interest is off by almost $ XXXX as an overcharge in the interest category. None of my contact with Navient customer service has resolved this error. Please investigate.
Product: Mortgage

My loan began XXXX XX/XX/2020. I was forced to provide an escrow for home owners insurance as well as property tax. I provided the lender in XXXX with documentation from the county indicating that as a XXXX veteran I pay XXXX property tax. I am exempt from property tax. The loan servicer has acknowledged that they have received the documentation, they recognize that I do not pay nor owe any property tax, and that I am due a refund of property tax taken into escrow in the past. Four months later I have not received the funds that were erroneously charged and I am still assessed for property tax within the escrow account by my loan provider every month.

I have contacted my loan provider on four separate occasions concerning this issue and each time I am told the same thing : " I see you do not pay property tax, I am processing your account for the refund, I am updating your loan so you are not forced to pay this tax every month ''
Product: Debt collection

Collection account showed up on credit report when I tried to pull for personal reasons. I have not received any other forms of communication from debt collector, I contacted them by mailing a dispute letter but still have not received a response
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you that I am a victim of a data breach and that several accounts listed on my credit report are fraudulent and do not belong to me. As a result, I am requesting the immediate deletion and blocking of these accounts and inquiries under 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ).

Below is a list of the fraudulent accounts and inquiries that I request be removed : Fraudulent Accounts : XXXX. XXXX XXXXXXXX XXXX  o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$11000.00} XXXXXXXX XXXX XXXX XXXX Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$140.00} XXXX. XXXX XXXX  Account XXXX : XXXX o Date Opened : XX/XX/XXXX o Balance : {$1700.00} XXXX. XXXX XXXX XXXX XXXX Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$1700.00} XXXX XXXX XXXX XXXX  o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$360.00} XXXX. XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$360.00} XXXX. XXXX XXXX XXXX XXXX  Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$410.00} XXXX. XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$7100.00}
Product: Debt collection

Left me a voicemail, then left voicemails on both of my brother 's phones, at XXXX Pacific time. They are claiming I am attempting to defraud XXXX from an account that was allegedly opened in XXXX. Even if I did have that account, which I can not recall, I had a bankruptcy in XXXX, and all debts were cleared. The number they called from XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

*I have a small XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ) * I now have a mortgage loan with XXXX XXXX due for Refinance or Payment on or about XX/XX/2019, I submitted a Refinance application to XXXX XXXX , *There were derogatory, false reportings on my credit report, *I then submitted an application to JP Morgan Chase , Up until now I was told my application was approved, * Today I received an E Mail from Mr XXXX XXXX he and Credit approval chief have denied my application *The explanation is at best confusing and supportive Evidence is being withheld ( ... due to applicant, guarantor and/or Sponsor historical Information ... ) *Under Marsy 's law I am entitled to restitution, under Brady v.Maryland I am entitled to my Full And final " Historical Information ''
Product: Credit card or prepaid card

I applied for the Citi Double Cash Card in XX/XX/XXXX and was told by a representative it had 0 % interest and in fact it still does show on their website under the " 0 % intro APR '' which is a complete and utter lie -- this should be illegal. 
https : //www.citi.com/credit-cards/compare/0-percent-intro-apr-credit-cards I have always paid the minimum payment on time then recognized after reviewing my bill that it was generating interest when it wasn't supposed to be -- this really upset me as a consumer who felt lied to. 

In early XXXX, I had my credit line increased so Citi could make more money off me by trying to saddle me with debt -- below is an article about how XXXX XXXX started this practice. 
https : XXXX On XX/XX/XXXX, I spoke with a representative at Citi Card and he told me he reversed 3 interest charge payments -- except he didn't. 

Apparently it went above him for approval and was denied -- except this was never told to me ... until I called in today on XX/XX/XXXX and spoke with a supervisor who told me " I'm sorry this wasn't communicated to you '' -- these people are liars. 

So then my account generated interested from XX/XX/XXXX to XX/XX/XXXX when I had paid off the entire {$12000.00} balance ( except for the interest fees that were going to be credited back to me ). 

Citi Bank are liars and frauds.
Product: Debt collection

I want to report multiple violations that Capital Collections LLC is committing to the Free Credit Reporting Act and to my rights as a consumer. 
Just to mention two serious violations, see below : 1. Incorrect last activity date 2. Post charge-off interest I am demanding this company to remove the item from my report and send me a deletion letter for my records. I am having psychological issues because of this situation. 

Please send the attached documents to Capital Collections LLC. 

Thank you so much.
Product: Debt collection

I am not liable for this debt with LJ Ross Assoc. They are unable to provide authentic, original signed documents or agreement stating such.
Product: Credit card or prepaid card

XX/XX/2019 I received a letter from bank of america stating that my automatic payment had been revoked, and was charged a fee of XXXX, so my new balance was {$40.00}. 

The reason the automatic payment was cancelled was because of following reasons such as no longer wanted to participate in the program, information from my bank account was incorrect, etc. I have called bank of america several times spending at least 2 hours in hold waiting for a response. I have talked with numerous representatives giving the same story. 
I have been with bank of america for 2 years, and it those 2 years I have never missed a payment and I have always been enrolled in auto payment. When I got the letter I was shocked since I have never removed myself and I knew the consequences of missing a payment. I told the representatives that my payment activity has always been auto pay with the same chase checking 's account. I have always been a loyal customer, when this happened I never received an email nor a notification in both my mobile or computer. Even the representatives didn't want to do since it showed that everything was good in my end where my bank account never changed and I never stopped the auto pay. I even called my checking 's account, and they even stated that I have always had the sufficient funding to pay my bills. I can show proof of my balance to show that I always maintained enough money for the bills.
Product: Credit reporting

Experian did not conduct a proper investigation after I submitted document. I submitted a letter from XXXX where they admit they do not have records on my account. Despite this, Experian took the word of XXXX that their tradeline is correct. XXXX can not make this statement knowing they do not possess the proper records. This tradeline can not be validated and must be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

A company named " XXXX '' is the payment servicer for the US Department of Education. On XX/XX/XXXX, XXXX cashed my full {$7700.00} student loan payment. United States postal service sent me a copy of the signed delivery confirmation upon delivery to the XXXX payment center located at XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX. As of today, XXXX, the financial payment service for the United States Department of Education claims my student loan payment is " unable to be located. '' I have shared the original copy of the XXXX employee 's signature on the delivery confirmation and the XXXX employee 's signature on the payment receipt for cashing my {$7700.00} payment. It is shameful that XXXX is illegally reporting student loans as outdated collections on credit reports after cashing customers ' checks for nearly XXXX XXXX dollars. After cashing my student payment of {$7700.00} XXXX refuses to correct my credit file to report the status as " paid in full. '' Per the police department 's advice, since the payment is signed for and cashed by a XXXX employee, I filed a police report with the XXXX XXXX Police Department. A copy of the XXXX XXXX Police report to XXXX, the US Department of Education, and the credit reporting agencies on XX/XX/2022.