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

Pulled my credit report on equifax, there is a late payment from XXXX XXXX  credit card in XXXX, which i do not have. 
I closed the acct years back so there should be no reason the late payment would show up.
Product: Checking or savings account

My issue is : there are {$11000.00} in fraudulent purchases on my account, and for the past year the Chime team hasnt helped me to recover these funds, despite evidence and supporting documents Ive provided.I provided highly detailed information proving that someone stole my money out of my account such as POLICE REPORT, PROOF THAT I WAS XX/XX/XXXXWHEN MY MONEY WAS STOLEN, AS WELL AS ALL INFORMATION NEEDED TO MAKE THE PROPER DECISION TO GRANT MY CLAIMS! THIS HAS INCONVENIENCED MY LIFE IN A MAJOR WAY.Claims # XXXX, # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

How many dispute letters and CFPB complaints do I have to send to the Credit Reporting Agencies for them to completey remove all the fraudulent information being reported on my Credit File? I have been disputing for the removal of the fraudulent accounts and information from my Credit File for quite a long time already, but the Credit Bureaus do not seem to be paying any attention to my requests! The Credit Bureaus continued reporting the disputed items and claimed to be verified without them sending me copies of proof of verification and or proof of ownership. Under the Fair Credit Reporting Act section 605b, the Credit Reporting Agencies are required to remove the disputed accounts and information completely from my Credit File. However, in my case, the Credit Bureaus did not only continued reporting the disputed items, they even claimed that the items are verified. Their willful non-compliance with the Federal regulation is a clear violation of a consumer 's rights which is under the protection of the Fare Credit Reporting Act. I am submitting this CFB complaint to appeal to the Credit reporting Agencies to once again, take a deeper look with my Credit File and remove all the disptued fraudulent items completely from my Credit File : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, DE XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$21000.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$270.00} XXXX XXXX XXXX XXXX XXXX Balance Owed XXXX {$38000.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$3300.00} XXXX XXXX Balance Owed : {$7500.00} XXXX XXXX XXXX  XXXX Balance Owed : {$53.00} XXXX XXXX Balance Owed : {$7500.00} XXXX XXXX XXXX XX/XX/2022
Product: Credit reporting or other personal consumer reports

Getting unauthorized hard credit inquiries deleted from my credit report is the goal of this complaint. I've obtained a copy of my credit report from your agency and observed the presence of unapproved inquiries. The following is a list of the unauthorized inquiries. 
XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit card

Between XX/XX/XXXX and XX/XX/XXXX, my card got lost and stolen and was used to make XXXX purchases. I had my bank card in my back pocket when I went out drinking with some friends and mustve dropped them when I pulled another item out of my pocket. A person took my cards and deposited {$980.00} with an addition {$170.00}. I didnt notice the amount of the times the person used my card until recently when I decided to scroll through all my transactions and noticed the amount of times my cards were charged. I no longer bank with the card where the money was transferred from so my only resort was to try to get my money back with chime. Filed a dispute after noticing the transactions on XX/XX/XXXX, and was denied even after I submitted documentation of me communicating with XXXX  whom confirmed I never had an account with them nor ever put a deposit under my name or social security. Chime has refused to provide to me information on what other kind of documentation they need that will support my dispute on the transaction. I will attach the police report I filed on XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Subject : Discrepancies in Credit Report - Request for Correction Dear Sir/Madam, I am writing to bring to your attention several discrepancies I have identified in my credit reports from XXXX, XXXX, and TransUnion. As per the Fair Credit Reporting Act ( FCRA ), it is required that the information contained in credit reports is accurate and up-to-date. However, upon reviewing my credit reports, I have discovered several errors that require immediate correction. 

Below, I have outlined the discrepancies found on my credit reports : Account : XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Upon review, it is evident that there are inconsistencies regarding the high credit amount and the credit limit reported by XXXX. Additionally, the last reported date differs between XXXX and XXXX. These discrepancies are causing confusion and may negatively impact my creditworthiness. 

I kindly request that you investigate these discrepancies and take the necessary actions to correct my credit reports accordingly. Please update the information accurately and ensure that it is consistent across all three credit bureaus. 

Furthermore, I would appreciate receiving written confirmation of the corrections made to my credit reports once the investigation is complete. This will enable me to verify that the necessary changes have been implemented. 

I have enclosed copies of my credit reports highlighting the discrepancies for your reference. If any additional information or documentation is required from my end to facilitate the investigation process, please do not hesitate to contact me at the address provided above or via email at XXXX XXXX XXXX 

Thank you for your prompt attention to this matter. I trust that you will handle this dispute efficiently and resolve the discrepancies in a timely manner. I look forward to receiving the updated credit reports reflecting the accurate information. 

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

On XX/XX/2020, My public record " Bankruptcy '' will expire.The 10 year mark is over with.The actual date date i filed is XXXX.That date is on record.Therefore, this public record should not be on my credit reports at all
Product: Debt collection

XXXX XXXX said that I owed them in 2018 and was harassing me and threatened to sue me for the debt.
Product: Debt collection

I learned a few months after this debt collection agency reported to XXXX   that I do have a record of debt collection on my report. There were 3 separate records by USCB for various amounts ranging from {$61.00} to {$260.00}. The original creditor is XXXX XXXX. 
I immediately disputed all of them since I didn't go to XXXX for the last 10 years. My insurance is XXXX XXXX through my employer. XXXX  resolve 2 of the 3 disputes and kept one of them, for {$260.00}, saying " The company that reported the information has certied to XXXX  that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. ". There are no details to review, I can't see how they " certified ''. I've never received a debt collection attempt in the mail, no phone calls. I have no way to contact USCB since they don't list an email or phone number on their website.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I disputed my credit report which contained information being reported by XXXX XXXX. 

I mailed a certified dispute letter to XXXX XXXX requesting validation of the account being reported by XXXX, Equifax, and XXXX. 

I received a response on XX/XX/XXXX stating : " All account information and documentation was transferred to XXXX XXXX, XXXX and any questions or concerns regrading the account should be directed there '' Per the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), XXXX XXXX, is required by federal law to verify through the physical verification of the original signed certified consumer contract of all accounts you request to be posted and or reported on a credit report. They have failed to do validate the account, due to lack of paperwork. 

The Three credit bureaus have failed to protect me under the Fair Credit Reporting Act. After disputing this with all three as well, they continue to report on an account that ca n't be verified. 

XXXX XXXX has violated my rights under Section 623 ( a ) ( 2 ) of the FCRA. This section addresses the duty to  correct and update information by " furnishers, '' or persons who furnish information to consumer reporting agencies ( " CRA '' ) such as credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've asked several times that " XXXX XXXX XXXX '' be removed from my account as it was an act of fraudulent activity. it still hasn't been fully removed after 7 years of disputing this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have notice Unauthorized Inquiries Not made by me in my Transunion Credit report I ask them if they do not have proof ( written authorization ) and they have fail to validate these erroneous inquiries.
Product: Credit reporting, credit repair services, or other personal consumer reports

Months ago, I have sent a letter to the three credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2021
Product: Credit reporting 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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

This mortgage company took over my loan and now there are errors on their billing statement and their voice-mail is designed to not allow a real person to answer the phone.
Product: Debt collection

I refinanced my mortgage with General Mortgage Capital Corporation ( GMCC ) on XXXX, XXXX. In the initial XXXX form ( attached ) and the final XXXX form XXXX attached ) that I signed with GMCC, the forms all clearly state No Prepayment Penalty. I refinanced this Mortgage with another company on XX/XX/XXXX. 

I received a bill XXXX attached XXXX from GMCC on XX/XX/XXXX. In the bill, it charges me {$6100.00} for early payoff penalty. GMCC agent said, the mortgage has been sold to XXXX by GMCC in XX/XX/XXXX. XXXX charges GMCC for the early payoff penalty, and GMCC requires me to pay it. 

I have no responsibility to this early payoff penalty. GMCC should take full responsibility to the charge from XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I originally signed up for beyond finance in XX/XX/2019 and paid a little over XXXX a month until recently. I paid a little over XXXX and they closed 3 accounts which were not close to that amount. They kept telling me for months they were in settlement while my credit gor worse and then finally after years of service and realizing my money was being stolen I asked to close my account. They said I only had XXXX in the account and they were keeping it. I paid them for years only to have 3 accounts closed but then I don't get my money??? Where did the XXXX go????
Product: Credit card or prepaid card

My name is XXXX XXXX. I am a customer with two credit cards with Chase. I opened a case with the CFPB back in XXXX with case # : XXXX since then my issue has not been resolved. Recently chase has been contacting me in regards to my complaint for account ending in XXXX this case is related for fraud related purchase. When I first submitted my complaint I explained to them over and over again that the charges that were done on my account in the amount of {$8300.00} were not done by me and I received no benefit from the purchases. After submitting my complaint it was investigated and I receive a response regarding the case and i received an official statement of my account. On the statement it states that I received a credit back for the amount of {$5500.00} but still have a remaining balance of {$3100.00} with a payment due date on XX/XX/2018. I called back on XX/XX/XXXX18 and the representative that took my call stated that I had a remaining balance of {$3100.00} i stated how can that be if in my original complaint i disputed for the amount of {$8300.00}. He looked over the account with the remaining purchases and said that it's weird that those purchases went added to case and went ahead and added the remaining purchases to the case and stated that all the remaining purchases will be removed from the account and will be reflected on the account within 4 business days. They were all removed and I left the situation as it is. Almost a month has passed by and I recieved no resolution letter regarding that case. I decided to check online when I checked to see what is going on it says that instead of owing the original amount of {$8300.00} I now owe almost {$12.00} XXXX. On XX/XX/XXXX2018 I called back the fraud department to ask what is going on and the representative stated that after the review they claimed that I received benefit from the purchases and that is why I see that balance now. I stated again to the representative that how could that be if I keep telling them over and over again that all the purchases made on the account were all fraudulent and I received no benefit from the purchases that were done on my account.She advised me that they will re-evaluate my account and contact me if there are any questions. If a company sends you a official statement saying that you just owe {$3100.00} and then later reverses the decision then why send me a official statement in the first place instead of honoring their word? Because of this I am reopening my complaint against chase and hoping there is some positive resolution regarding the fraudulent transactions done on my account. Why should I be held responsible for the transaction that were not authorized by me and I received no benefit from them? Attached to this complaint is the statement saying that i just owe {$3100.00} and as well a screenshot of my most recent outstanding balance of {$12000.00}
Product: Debt collection

I have sent this company a notice of dispute via certified mail, with a confirmed receipt date of XX/XX/2023, at exactly XXXXXXXX XXXX  local time. This company is obligated by the FCRA and the FDCPA to respond to my formal dispute within 30 days of receipt. On the XXXX day, I had not received competent evidence, bearing my signature, of my legal obligation to pay this debt. So I sent them a second letter explaining my right to remove of this inaccurate and unverified debt from my credit reports. They eventually sent an account summary to a random financial institution ( well after the XXXX window required by law ). I DO NOT RECOGNIZE THIS ACCOUNT. A printout of a random account summary from a financial institution I have NEVER conducted business with does not constitute verification or prove the debt was authorized by me. Much less does it prove any contractual obligation I have to pay anything to this third party company. Not only do I not recognize this account, but I also never authorized ANY debt to be sold to ANY third party in the first place. 

This company is in violation of the FCRA and the FDCPA. Here are the reasons : - They have failed to verify this alleged account within the 30 days required of them by federal law. ( I have competent, and date-stamped evidence of this ) - They have continued to report an item they know they can not verify as accurate on my credit reports, despite being unable to provide me with competent evidence, bearing my signature, of my contractual obligation to pay them. 

- I never authorized ANY debt to be sold to ANY third party. Not only are they unable to verify the alleged account as accurate, but this company is also attempting to collect a debt I most certainly never authorized to be sold to them.
Product: Credit reporting or other personal consumer reports

I HAVE NOT SUPPLIED PROOF UNDER THE DOCTRINE OF ESTOPPEL BY SILENCE, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX. XXXX. I PRESUME THAT NO PROOF OF THE ALLEDGED DEBT, NOR THEREFORE EXISTS PUSUANT TO 18 USC 8, I OWE NO DEBT, THIS COMPANY IS VIOLATING MY CONSUMER RIGHT TO PRIVACY PURSUANT TO 15 USC 1681-B2 COMPANY HAS NO PERMISSION TO REPORT MY INFORMATION PER 15 USC 1681-4.
Product: Debt collection

Wyndham Professionals disclosed amounts owed on loan to party not affiliated with loan or non-account holder. Disclosed amounts owed, settlement options, and communicated delinquency status with non-account holder.
Product: Mortgage

My wife and I filed a chapter XXXX bankruptcy in XX/XX/XXXX and surrendered our home to Countrywide. We turned the keys over to the bankruptcy attorney moved to XXXX. We managed our credit and managing our debt for the last seven years and now want to buy a home. We found one and got qualified for a new mortgage but then were denied because the old home included in the bankruptcy in XX/XX/XXXX was still in our names. it has never been sold, or foreclosed upon and apparently just sits there. After a lot of digging and phone calls Bank of America inherited it from Countrywide. It was to be foreclosed on in XX/XX/XXXX. Bank of America took possession of the property in XX/XX/XXXX. The foreclosure never happened, in XX/XX/XXXX the state of XXXX dropped the foreclosure proceedings due to a lack of paper work being filed. The loan was sold to XXXX XXXX and then to XXXX who has it now. It is in a file at an attorneys by the name of XXXX XXXX XXXX. from XXXX They are the loss mitigation for XXXX and no help what so ever. I called and asked how to remove my name from the deed, but they do not care. The house was discharged in the bankruptcy in XX/XX/XXXX and the bank refuses to take ownership of the property so what am I to do?
Product: Debt collection

Company reported to the credit bureaus without notifying me of any debt owed, amount owed or name of original creditor without a chance to dispute the debt with them.
Product: Checking or savings account

I had XXXX deposited in my accounts on XXXX and as of XXXXXXXX XXXX  on XXXX money was there and XXXX XXXX  it was gone and someone at BMO took the money. They have been giving me all kinds of run around and excuses today of what ever and it seen a manage is never avabile. I want to file felony charges on BMO but am willing to see if you can help with the matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

today XX/XX/XXXX i contacted XXXX  i explained the situation about XXXX XXXXXXXX which i previously reported to you an they just said didnt pay basically ..and it was closed excuse me if i sound frustrated but if i win in court why do you and the reporting agencies go against the court showing they dismissed it in court. it should have been removed from my report in XXXX i submitted papers to you XXXX XXXX has kept this account open an showing delinquent until i disputed it.this is fraud in its finest form.to lie to the reporting agencies.if i lie its a crime of some sort. i need to have this removed from my report and action should be taken to the next level.it shows the deciet of a big corporation that may have members sitting on the XXXX board of directors.I would like to have someone investigate this as to why you allowed this to stand with me providing documentation just because they wrote back i won the judge said i won winning is winning if you look back you will see i proved i won but the letter in return from XXXX XXXX mentions nothing of the sort i read it .this account is 7 .5 years old but until i disputed it in XXXX of XXXX it was held open after many disputes now the last update was closed an in essence ive been bullied by a big corporation, that i won in court my complaint is with all three credit reporting agencies.they only work for the big corporations not the citizens..
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting in accurate information on all closed accounts, they have not updated my total report, and refuse to update balances on all accounts that are closed, They are still showing open account when the accounts are closed, I disputed they come back with, the accounts have been updated, My credit report needs to be updated all accounts Balances and closed accounts need to state closed, I only have XXXX open accounts, I closed all the remaining accounts.