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

I called your department after I purchased a credit report with XXXX XXXX dated XX/XX/2023. After receiving a copy of my report, I saw some UNVERIFIABLE information that on my personal profile, I noticed that these were negative accounts on my credit report. These are disappointing because I have been paying XXXX XXXX to get a report every month and I have been disputing fraud accounts on my credit report all this, as well as this incorrect information on my personal profile but still youre not taking any actions. I have never with these accounts listed below, so please help me remove these negative, including this incorrect information from my personal profile. A copy of my Utility Bill, drivers License, and my Social Security Number are all included in this written request. Please help me resolve this issue as soon as possible. 
PLEASE DELETE THESE FRAUDULENT ITEMS : XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX Im requesting that you follow the law by removing this inaccurate information and please provide me with a free updated credit report within 30 days. If I dont receive a return response within 10 days, I will file a complaint with the Attorney General, Consumer Financial Protection Bureau , and the XXXX XXXX XXXX . Please immediately respond. Please do not email me a common verification. Please do not add me to the list of people who complain about your delay tactics. Im very persistent & will not let your unwillingness to comply the law stop me. I'll re-attach my driver 's license, SSN, and Utility Bill as verification of my ONLY address.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed Consumer Financial Protection Bureau Complaint # XXXX. The complaints stated " See attached XXXX XXXX XXXX XXXX application. The application was incomplete on XXXX and credit report was pulled on XX/XX/2017. The application was incomplete and wasn't to be processed as stated at top of application. I talked with a lady at XXXX XXXX 's President office today. She was adamant that application was complete even if undated. Unbelievable! I also filed a XXXX XXXX XXXX complaint. XXXX  XXXX is impossible to contact. XXXX  XXXX will, as usual, label this complaint as a duplicate. I am relying upon XXXX  and Transunion to answer this complaint. '' I received the following reply today from XXXX  " According to our records, the disputed item does not appear on your personal credit report at this time '' This is incorrect since XXXX XXXX XXXX XXXX is still on my report..
Product: Credit reporting or other personal consumer reports

I want to complain about the fraudulent activities on my credit reports. For the last XXXX or XXXX  months, I had been reaching out to the bureaus to get help in removing the fraudulent accounts and inquiries that are on my credit report. I was told each time to resend my FTC letters because they can't remove ALL of them because the FTC is invalid. This doesn't make sense to me because why would they remove the other items and leave a few behind if the FTC was indeed invalid. 

Please help me remove the ff fraudulent accounts from TransUnion and XXXX. XXXX already handled this and removed the fraud from my reports. 

Please remove the fraud accounts : XXXX XXXX - XXXX - XX/XX/XXXX XXXX XXXX - XXXX - XX/XX/XXXX and the fraudulent inquiries : for the inquiries, TransUnion and XXXX already XXXX these, it's only XXXX now that kept this on their records. Anyways, these are the fraudulent inquiries : 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 

I have attached and sent them my FTC and CFPB reports.
Product: Credit card or prepaid card

I received an unsigned letter from CitiBank on XX/XX/XXXX regarding an issue with account statement in their system. They are knowingly misleading me and not really trying to help. They did not credit my payments in their system. I've sent payments via the mail, and wasn't even notified of the bill they tried to collect as stated in the letter I received. I would like to dispute the charges on the statement. Please remove the passed due payment remarks in your system and credit report. 

I am writing to dispute a past due payment on my credit report. CitiBank has been reporting late payments on tradeline CNBA account number XXXX inaccurately on my consumer report. I have reached out to CitiBank for a remedy. The company emailed me and said they could not deliver it. My character is being attacked, and thats not how I should betrayed. I would like an original copy of contracts, tax id ( 1099 ), and signed statements validating everything.

It is almost impossible to get ahold of anybody on the phone from XXXX, XXXX, or XXXX even if even when your a paying customer. They are basically using my information with my permission. 

These companies promote the protection of peoples credit and claim to prevent identity theft. These companies basically steal your identity, and use your information is being used without our permission against you. Its hindering my ability to do may things such as much as qualify for my home loan for my family. I pray that Citibank, XXXX XXXX and XXXX remove the late payment, in full or completely block the information on my report per FRCA laws. I have paid the accounts in full. 

This should be criminal. These companies are conspiring and using trust, and contract to stop the common man from doing trade, and obtaining basic needs. Citibank, XXXX XXXX and XXXX, please fix your reporting to remove late payment and list that I have paid the account in full. I would go further and reccomend a complete deletion from my report. Thanks. I am also seeking arbitration to get a remedy for this issue.
Product: Mortgage

I received a escrow surplus check from my previous lender ( loan was sold to current lender ) The check I received was for roughly {$4000.00}. Now my new lender has sent me the results of my recent escrow account analysis stating I have a shortage relatively close to what the check was I got in the mail previously. I received documents in mail of my expected payment. This will cause me financial hardship due to the unexpected {$300.00} added to monthly payment to make up for shortage. The check received was used for home repairs/improvements and other expenditures. This is my first home, I am learning as I go of the home purchasing process, with that said I feel like something was not done correctly in my situation and that has caused my financial hardship. How is it possible that my escrow account was basically emptied with no regard to what that would lead to in the future of my account. I was not cautioned or assisted in what this large amount of money withdrawn from my escrow account could be needed in the future, which is now.
Product: Checking or savings account

On XX/XX/year>, Chase bank unexpectedly cancelled my account without providing any explanation or prior notification. Upon contacting the bank for clarification, I was unable to obtain any information regarding this abrupt closure. This situation has caused me significant inconvenience and concern, and I seek an immediate resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had not checked my email and did not see that my initial request had been closed. I see that Portofolio is wanting me to send in a fraud report ( which I initially did directly to them ). But looking at their proof I have found a few discrepancies ; The account with XXXX XXXX is not the same as the one XXXX XXXX themselves have for this account. Portfolio is showing the last four # 's as XXXX. The fraud letter I have FROM XXXX XXXX is showing the last # 's as XXXX The SS # listed is not mine ( I have sent in my Social and ID to the CFPB but will not send it to Portfolio to them use as proof ) The email address listed is not mine - XXXX I will send in another copy of my SS card and my DL if need be.
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 Account Number : XXXX Account name : XXXX Account Number : XXXX Account name : XXXX XXXX XXXX Account Number : XXXX Account name : XXXX Account Number : XXXX Account name XXXX XXXX Account Number : XXXX Account name : XXXXXXXX XXXX  Account Number : XXXX 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 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: Payday loan, title loan, personal loan, or advance loan

I called to unlink the automatic payments on my bank account and they refused.
Product: Credit reporting or other personal consumer reports

I am currently reviewing my TransUnion credit report and there are addresses reporting on my credit report that are not mine. 
Below are the addresses that I would like to have permanently deleted : XXXX. XXXX XXXX XXXXXXXX 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

1, XXXX XXXX XXXX is listed as closed but it is a open account in good standing with XXXX balance owed and high limit of XXXX dollars. ACCOUNT HAS BEEN READING CLOSED N HAS DAMAGED MY SCORE GRATLY. ACT NUMBER XXXX XXXX XXXX XXXX XXXX XXXX ) equifax XXXX 2 XXXX XXXX XXXX Balance is reporting incorrectly at XXXX INSTEAD OF XXXX. ( MY credit with this company was XXXX and now it show limit of XXXX. Which also hurts my credit because it increased my credit utilization with no warning that my account limit would be decreased.Please i need the account to reflect the correct amount that's due. ACT NUMBER XXXX XXXX  XXXX XXXX ( XXXX ) ( equifax XXXX ) 3. XXXX XXXX shoiwing correct balance of XXXX and should show XXXX ACT number XXXX XXXX XXXX XXXX XXXX XXXX ) equifax, XXXX XXXX XXXX XXXX XXXX is reporting incorrectly and should report as XXXX. ACT NUMBER XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX. XXXX XXXX IS REPORTING INCORRECT IT SHOULD READ XXXX BALANCE.XXXX  XXXX XXXX XXXX XXXX Equifax ) ( XXXX ) XXXX XXXX XXXX is reporting incorrectly. XXXX is amount due. Act last four XXXX ( XXXX, equifax, XXXX  ) XXXX, XXXXXXXX XXXX XXXXT is showing incorrectly correct amount is XXXX. ( XXXX XXXX
Product: Checking or savings account

Approximately a year ago, I contacted Chase bank because I attempted to make a transfer in the amount of {$10000.00} from my savings account to my mother 's checking account and it did not go through. At the same time, my mother 's account had been flagged for a possible fraud charge to her checking account. My mother 's account was then refunded for the total amount of the unauthorized charge. Shortly afterwards, I was going to attempt the transfer once more, but was unable to access my savings account. I contacted Chase again and was told that they were investigating several unauthorized transfers from my savings account to other bank accounts belonging to names I had never heard before. I was told that I would be contacted once the situation was resolved, however, I was never contacted. I have since attempted to find out anything at all from Chase regarding my account, but have always been redirected and end up on hold. Having gone into multiple branch locations to find out any information regarding my account, I was only told that I had to contact their fraud department. At this point I am wondering what options I have to regain access to my savings account in order for me to get my money back and switch banks.
Product: Money transfer, virtual currency, or money service

Im filing a complaint against Cashapp ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the consumer financial protection Act ( CFPA ). Specifically Cash App failed to take timely and effective measures to prevent an address fraud on their platform, leaving my account, vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive as they did not comply with error resolution requirements under the electric fund transfer act ( EFTA ) and regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, Youre currently reporting XXXX XXXX XXXX XXXX as Open on my report but this account has already been closed for more than XXXX days. This is an improper use of my credit. Please fixed this.
Product: Credit reporting or other personal consumer reports

A debt went into collections and was supposed to be dropped form my report after six years. However, two days before it was to be dropped, Jefferson Capital System put it back on and reset the clock. This is also in violation of Michigan State Law. XXXX completed it's investigation and told me the debt was legitimate. 
XXXX File Identification Number XXXX Jefferson Capital System Reference Number : XXXX I was unaware I would be able to dispute this debt and therefore did not dispute it at the time it was put back on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Tower Loan at XXXX XXXX  XXXX XXXX In XXXX, MS has now pulled hard inquiries on my credit without authorization. I have called and written after the first three and instead of stopping they made another hard inquiry. The dates are  XX/XX/XXXX and XX/XX/XXXX of XXXX ; XX/XX/XXXX and XX/XX/XXXX Of XXXX. I do not hold any account with Tower Loan and have not for several years. They do NOT have my authorization to view my credit. Furthermore, they have been told specifically to not pull my credit both verbally and in writing.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX RE : Formal Dispute of Inaccurate Credit Reporting Credit Report File Number : XXXX Dear XXXX, I am writing to formally dispute the inaccurate and unverifiable information currently reported on my credit file. Under the Fair Credit Reporting Act ( FCRA ), credit bureaus are required to ensure maximum possible accuracy of the information they report and to properly investigate disputes within a reasonable time frame of at least XXXX business days. ( 15 U.S.C. 1681i ).

The following item ( s ) is/are being disputed for failing verification and accuracy standards : 1. Santander Consumer USA Basis of Dispute Upon my previous attempts to dispute this information, your methods of verification have proven to be inadequate, incomplete, and invalid. The FCRA requires credit reporting agencies to conduct meaningful and independent investigations ( XXXX XXXX XXXX ). Simply contacting the data furnisher without conducting your own investigation does not meet this legal obligation. 
Moreover, the information being reported has no supporting documentation or legitimate evidence provided to me as proof of its accuracy. Your continued reporting of this unverifiable and inaccurate information constitutes a clear violation of my rights under the FCRA. 
Required Action I demand that you immediately delete the disputed item ( s ) from my credit file as required under 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) of the FCRA when information can not be verified. Failure to do so will leave me no choice but to file a complaint with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and consider legal action to enforce my rights. 
Additional Notes Please be advised that I am requesting a detailed explanation of the methods used to verify the accuracy of this information. As mandated by 15 U.S.C. 1681g ( a ) ( 2 ), you are required to provide me with the name, address, and contact information of the original creditor or data furnisher that you relied upon. Without this, the reporting is invalid and must be removed.

I expect a full resolution of this matter within the legally required time frame of 4 days or less ( 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) ). Failure to comply with this request will constitute willful noncompliance with federal law, and I will take further action accordingly. 
Please confirm receipt of this dispute and notify me in writing as well as email of the actions taken regarding my file. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Recently, I disputed verification of inaccurate accounts reporting on my credit report. I requested a description of the procedure the bureau used in providing all information to the original creditor in processing my dispute under FCRA 611 ( a ) ( 7 ) ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. I have not received any information regarding this information that was requested on XX/XX/year>. I will attached my letter I sent and certification mail receipt
Product: Credit reporting, credit repair services, or other personal consumer reports

I been trying to get insurance on my vehicle for some time now. Every time I get a quote it either comes back too high or I am ineligible. When I ask why I get told that it could be that my credit history is not too good. I finally decided to pull my credit report and I found things on there that I have never applied for including a bankruptcy. These items are not mine. Please remove them from my report immediately.XXXX XXXX {$1400.00} XXXX XXXX {$770.00XXXX XXXX  XXXX {$2600.00} XXXX XXXX  XXXX {$6400.00} XXXX XXXX  XXXX {$58.00} XXXX XXXX XXXX XXXX {$960.00} XXXX XXXX  XXXX {$1000.00} XXXX XXXX XXXX {$6700.00} XXXX XXXX {$2200.00} XXXX XXXX XXXX {$1100.00} XXXX XXXX XXXX XXXX {$250.00}
Product: Debt collection

I tried to dispute the debt as I am legally permitted to do. Sunrise refused to honour my right to dispute the debt, and on being pressed cancelled my call.
Product: Credit card or prepaid card

I have called my company numerous times within the past YEAR to resolve a fraudulent charge made with my card, I even sent certified letter to their address and have confirmation of deliver without any response back. There was a charge of {$360.00} made FRAUDULENTLY on my account and capital one refuses to have competent workers who can help me. I have spoken to too many people to list all their names but my most recent contact was on XX/XX/XXXX at XXXX XXXX on the phone for 95 minutes according to my phone records where I was told a fraud case was opened AGAIN and I just spoke with the manager of the fraud department XXXX who told me the claim was never opened and was no help at all. Cant ever get in touch with someone who has answers or provides me with accurate information. My card is now in collections and has late payment charges along with interest for a fraud charge since I closed my account when they neglected to fix the problem last year. They also failed to notify me of any outcomes until I call and then they post the letters on my account which is against the law to not notify me in writing. If I never called they would have never told me. Capital one does not care about their customers and should not be in business.
Product: Payday loan, title loan, personal loan, or advance loan

On XX/XX/XXXX I received a email from a collection ms saying I own a balance with XX/XX/XXXX and they want to collect I reached out to XX/XX/XXXX and ask them why they sent me to collections when I paid off my loan completely in XXXX the sent me a confirmation email saying it was an error I received a second email today XX/XX/XXXX from a second debt collector saying I owe {$1400.00} again I paid this loan off in XXXXXX/XX/XXXX is sending me to collections for something I paid in XXXX
Product: Debt collection

I have been receiving non stop calls from this number and calls before 8am and all hours of the day and weekend. i asked to be placed on do not call list, but they are still in violation of laws they must follow by calling me at XXXX XXXX this morning. They also called me before their business was even open ( XXXX XXXX, their time ) so i had to wait until they were open and i was at work to call back and request to placed on their do not call list.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not consent to, authorize nor benefit from any of the following inquires.Block and remove them. XXXX XXXX XXXX XXXX XXXX XXXX XXXX FINANCIAL XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BANK XXXX, XXXXXXXX XXXX XXXX XXXX BANK XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, Police and fire XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CREDIT XXXX XXXXXXXX, CREDIT XXXX XXXX XXXX XXXX CREDIT XXXX BANK XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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

I submitted a letter to the Equifax & XXXX Credit Bureaus on XX/XX/2022 to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. XXXX XXXX XXXXXXXX XXXX Balance : {$0.00XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$1000.00} XXXX XXXX XXXXXXXX XXXX Balance : {$650.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$11000.00}, {$10000.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated onXX/XX/XXXX and the subsequent response received onXX/XX/XXXXenclosed with this letter.

In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNT -- 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$11000.00} -This is not my account.

-- AUTO ACCOUNT -- 2. XXXX XXXX XXXX with ACCT # XXXX  opened on XX/XX/XXXX with a balance of {$10000.00} -This is not my account.