23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Comenity Capital Bank XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Dispute of Charge-Off Account. 

Dear Sir/Madam, I am writing to formally dispute the charge-off account with the account number XXXX that has been reported by your bank to my credit report. It has come to my attention that this account has been sold to a third-party debt collector, and I believe there are serious legal and procedural issues that need to be addressed. 

Firstly, according to the Fair Credit Reporting Act ( FCRA ) Section 623 ( 15 U.S.C. 1681s-2 ), it is your responsibility to ensure that the information you report to credit bureaus is accurate and complete. If you have reported this charge-off account as a loss to the IRS, then by law, you are required to send me a copy of the IRS Form 1099-C. To date, I have not received this form. Please send me a copy of this document within 30 days from the date of this letter. 

Additionally, since you have already sold this account to a third-party debt collector and presumably received payment for this transaction, you have effectively received payment twice once from IRS and once from the debt collector. This appears to be a violation of federal regulations and could potentially be construed as fraudulent activity. 

If this charge-off account is not removed from my credit report immediately I will have no choice but to report your actions to the IRS for potential tax fraud, as well as to the Consumer Financial Protection Bureau ( CFPB ) for investigation. 

I request that you investigate this matter promptly and correct any inaccuracies by removing this charge-off from my credit report. Please provide written confirmation once this matter has been resolved. 

I appreciate your immediate attention to this serious matter and expect your prompt response within the required time frame. 

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

It all started when I was receiving mail to my address with another young lady name on the mail from XXXX Bank. I was the first one to live in the home ( it was brand new when I moved in ) Also I worked for the XXXX XXXX and I knew of all residence that lived in the homes. No one by the name of the mail I was receiving lived there. Then I noticed on all three of my credit files that I had 3 XXXX Bank accounts listed on there. The only XXXX Bank on my credit files that is mine was my XXXX card, but XXXX XXXX Bank is now over the XXXX credit cards. 

I them contacted the creditor XXXX Bank and they immediately closed the accounts and sent me letters stating that they asked all 3 bureaus to remove the accounts from my files and they have not! The bureaus are aware of my credit files being mixed, identity theft and fraud on my files for some time now. 

XXXX has my credit usage at almost 500 % and that is due to them keeping those fraudulent accounts on my credit files XXXX and Transunion still have the accounts on my files as well but they have not increased my credit usage like XXXX did. 

All bureaus are also listing that I have late payments on my credit files due to those fraudulent accounts. 
They have police reports on file for me as well for identity theft and fraud, I am trying to purchase a home and this is ruining my chances of that. This is my last try to have this fixed before my attorney and I file with the courts on all 3 bureaus! 

They need to remove all 3 accounts from my credit files and correct my credit usage immediately My scores dropped over XXXX points because of this taking me from good credit to bad, all 3 bureaus have these accounts as closed on my credit files in bad standing instead of removing them!
Product: Credit reporting or other personal consumer reports

I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ).

After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : Disputed Inquiry : XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX Basis for Dispute Section 611 ( 15 U.S.C. 1681i ) states that I have the right to dispute any inaccurate or incomplete information on my credit report. I request that you investigate these unauthorized inquiries and remove them from my credit report.

Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the inquiries made. After reviewing this information, I firmly believe that the inquiries listed above should not be on my report.

Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. I did not give my consent for these inquiries to be made, and I can not find a permissible purpose under this section that justifies their presence on my report.

Request I request an immediate investigation into the listed inquiries. If it is determined that these inquiries were made without my authorization or in error, I ask that they be removed from my credit report. I also request that you provide me with an updated copy of my credit report once the necessary corrections have been made.

Enclosed is a copy of my identification to verify my identity.

I appreciate your prompt attention to this matter. Please confirm receipt of this letter and keep me informed of the progress of your investigation. 

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

I have contacted all three Credit Bureaus/Agencies ( XXXX, Equifax, XXXX  XXXX and the creditors ( XXXX XXXX, XXXX XXXX ) XXXX XXXXXXXX XXXX XXXX XXXX ) involved in this matter several times trying to resolve this issue. Notifying them that they were not in compliance with their incorrect report per FCRA and that the accounts were fraudulent and that I'm a victim of identity theft. In return to tell me that these fraudulent accounts were verified and/or belonged to me or no response at all. None of these companies have provide me with any proof such as any original documents bearing my original signature. Either way, the reporting requirements do not comply with FCRA Section 611 ( 15 U.S.C. Section 1681 ) and the information must be deleted immediately.
Product: Debt collection

Company stated they would stop communication with me and return to blink fitness. First complaint was on XX/XX/year> XXXX complaint id. They have since called me XXXX separate ocassions after that.
Product: Credit reporting or other personal consumer reports

Prestige Finance ( PF ) reported to all XXXX credit bureaus that my payments from XX/XX/XXXX to XX/XX/XXXX were paid on time. I surrendered ( XXXX ) the car in XX/XX/XXXX. PF then reported a missed payment of {$290.00} to the credit bureaus. PF sent me an email that says my payments from XX/XX/XXXX to XX/XX/XXXX was late and they were charging me $ XXXX {$33.00} late fee for each payment. I have disputed this 3 times with XXXX and sent screenshots of the email and my credit report. I also asked for PF to be taken off of my credit report for reporting inaccurate information. Nothing has changed.
Product: Credit card

When i go to XXXX I am getting " Very good '' odds to get approved for Chase Slate Credit Card ( as my credit score is XXXX ). Mostly XXXX is getting paid to advertise a particular credit card by credit card issuerers ( in this case JP Morgan Chase ). But when i got my refferral email to apply for Chase Visa freedom card - i do n't think i was approved for that. Now Chase will come with some weird reason not to approved my credit card application but if i am just rejected yesterday then Chase is paying XXXX to show me this credit card to apply for?? Moreover every such rejection impacts my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The Experian credit bureau is required to authenticate this item under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting item as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item and delete it immediately in my report : XXXX XXXX XXXX Date Opened : XX/XX/2021 Balance : Balance : {$15000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Every 30 days I call all 3 credit bureaus to see why Santender Credit is still showing up on my credit report. Every agent I speak with tells me they don't see anything showing and it has been deleted already. Please investigate disputes.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit agencies have been bullies to me long enough. XXXX dispute report id # XXXX is reporting false information concerning XXXX  XXXX act # XXXX They are reporting a high balance of {$3300.00}. I can not believe this defamation experience. Also the payment history is incorrect. 
XXXX is also falsely reporting an account by XXXX XXXX XXXX, that has false payment history. That car was never suppose to be under my name, however my ex husbands son crashed it, my insurance paid fair market value and now there reporting a false payment history that is completely destroying my credit score. Please do something about this. They reported that I made payments to XXXX, I never made a payment to student loan navient in my life. It was taken over by fed loans who govern all of my student loans. Additionally, they are reporting a bankruptcy dated XX/XX/2020, Ive requested the removal of this account numerous times stating that it was dismissed because of the timing in which it was filed. They still would not remove this. Only you guys are able to help. XXXX also reports a false address that I have requested more than two years to be removed under XXXX XXXX XXXX XXXX, IL. XXXX and Equifax are reporting false information and I believe that this company is the only company that can make them do what they are suppose to do.
Product: Money transfer, virtual currency, or money service

My paypal account are no longer to use and I hvae a balance thir which is its hard to make, During this pandemic ( covid 19 ) I hard to find a foof we it and also a job that because I join different application to have a money ( XXXX $ or in XXXX is XXXX  ) in my paypal, I dont what happen but I hope we fix it!!!! My paypal email - XXXX ( XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE XXXX XXXX XXXX Last reported XX/XX/2022 {$840.00} Open balance XXXX XXXX XXXX  Original creditor XXXX Opened XX/XX/2022 ( XXXX mos ) Account status Open Type Responsibility Individual Remarks Placed for collection Original creditor name XXXX XXXX XXXX
Product: Credit card

I applied for a card with this company and was approved i then received a letter stating that the account was closed due to potential inaccuracies on my application and fraudulent activity which here has been neither of any
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, 2017 I was alerted of the XXXX breach, when checking their website to see if I was affected. The website stated I was part of the breach. A report states my social security number, name, address, and potentially credit card number is now public.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted and multiple FTC Reports regarding the account that do not belong to me. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX  Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX are reporting incorrectly that I am 120 days past due on XXXX - partial account number XXXX. ( Please see pages 16 and 17 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due.
Product: Credit reporting or other personal consumer reports

I was looking at my credit report and noticed that there were hard inquiries that are not mine on there, personal information has been exposed with dada breaches from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts don't belong to me. please remove accounts : 1. Identity Theft BK OF AMER Account Number : XXXX This is not mine. 

2. Identity Theft BK OF AMER Account Number : XXXX This is not mine. 

3. Identity Theft BK OF AMER Account Number : XXXX This is not mine.
Product: Debt collection

CBE Group shows on all three CRA 's I do not have any knowledge of this company. shows original creditor as XXXX XXXX XXXX and a date of XX/XX/XXXX While I have had service with XXXX & XXXX in the past. I would estimate the last time to be XX/XX/XXXXHave been living in a motorhome last 5-6 years with propane use. 
CBE Group on the California Secratary of States web site shows their status as suspended. Should not be conducting business in this state.
Product: Credit reporting or other personal consumer reports

Accordance in with the Fair Credit Reporting Act below are accounts that have been violated my federally protected consumer rights to privacy and confidentiality under 15 usc 1681. 

XXXX XXXX XXXX  Account number : XXXX XXXX XXXX XXXX  Account number : XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Account number : XXXX XXXX XXXX Account number : XXXX XXXX Account number : XXXX XXXX XXXX XXXXXXXX Account number : XXXX consumer report has misspelled names witch are innaccurate and different open dates witch are also innaccurate 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 consent or instructions to 15 u.s.c. 1681c. ( a ) ( 5 ) section states no consumer reporting agency may make any consumer reporting 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 7 years. 

15 u.s.c. 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information relationg to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information. 


Accounts have wrong reporting dates on consumer report Also i ask any inquires be removed that are past the last 30 days
Product: Checking or savings account

On XX/XX/year>, I contacted Chase customer service to place a stop payment on a check. I provided the payee name and range of dollar amount as requested by the representative. The check was not pending at the time of request, therefore the agent was able to accept the stop payment request. 

On XX/XX/year>, I notice the check in which I placed a stop payment has been cashed. The check was in the amount of {$47000.00} to payoff my vehicle. My account for my vehicle still showed a balance owed which caused me concern. 

I quickly called customer service to ask if they knew the name of the account that cashed my check. Customer service advised me I have to speak with a separate department and transferred me over. The lady I spoke with was not very helpful. 

When I asked why a check was cashed after I placed a stop payment and I refuse to accept her response. She stated stop payment requests are XXXX. That is outrageous. Not once was I told this when I submitted the request. What is the point of placing a stop payment if it is XXXX? 

I inquired if she can provide me the name of the person who cashed the check. She said the payee is XXXX I know who I wrote the check to but I need to know who cashed it. When she told me she will place me on hold to verify, the phone call got disconnected. 

I then proceeded to go to my local Chase branch. At first, the banker was not very helpful as well. He told me he does not know who cashed the check and he does not have the information. I understand information may be limited but I asked if there is a department in which he can call. He said there is none. 

That is not the type of customer service I expect from my primary bank. A large check was written and since I placed a stop payment, I drafted and sent another check to the payee for the same amount. 

My stop payment request was not honored and no one at Chase seems to be willing to help. The banker proceeds to engage a manager on duty to assist. The manager on duty began to tell me not to worry as the payees process in displaying balances may take a few days. She should never speak on behalf of a company she does not work for. When I asked why my check was cashed, no one seemed to know. I then began to raise concern about the second check I sent for the same amount. Of that check is also cashed, then I am down roughly {$100000.00} with no confidence the original payee received the first check.

The banker then told me not to worry as if I submit a claim, Chase will provide a temporary credit of the amount. I am confident that is not true. 

By no means am I angry at the individuals I dealt with about my check being cashed even though I placed a stop payment. That needs to be answered by Chase. I am very displeased in the service I received by all the Chase representatives. It felt as everyone was trying to defer blame on others and not willing to assist.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX, to remove these items : XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX Date Updated : XX/XX/XXXX XXXX, TX XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$5500.00} XXXX XXXXXXXX Balance Owed : {$14000.00} the aforementioned items are UNKNOWN to me. you are required to remove/block the items in my file that are fraudulent and erroneous. 
Ive already included this in my previous Complaint & I am including it again.
Product: Student loan

I have directed overpayments through the Navient website. I have clearly made the correct election to over pay a specific loan. The options on the website allow this but after I make the payment the following statement shows the directed overpayment to the specific loan has been spread among other loans despite my direction and the website directions I have chosen. I have spoken with Navient on several occasions over my repayment and they have said that they are not sure why " the computer has made that mistake '' and that they are looking into it. I have on more than one occasion asked for Navient 's assistance. I have had them walk me through making the payment to assure it was done correctly only to find the payment was spread among other loans despite having their assistance. The loan I am overpaying is the highest interest rate loan I have. It is a GradPLUS loan at 7.8 % interest. I want to direct all of my overpayments to this loan and their website says that this is allowed. I have confirmed this with Navient on the phone. Despite my direction Navient continues to take my overpayment and allot it to lower interest loans. The loan acrues $ XXXX/day. I want to reduce this and pay the loan off quickly. The blame a computer error. The account history application shows an inaccurate record of my payments in an allocation different than I have directed.