23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

On XX/XX/XXXX, my credit card was stolen at a gas station. I found that out when my wife received text message notifications that someone was using my credit card purchasing equipments from XXXX and adding gas at gas stations. As soon as we saw the text message, I called Chase customer service immediately and asked them to stop the account and file a lost report. 

Here are the transaction details : They all occurred on XX/XX/XXXX. 

{$70.00} XXXX {$480.00} XXXX {$380.00} XXXX {$70.00} XXXX Chase initially removed the transactions under the account and said they will do an investigation. 

Today when I checked my statements, all XXXX transactions were added back. I looked at the letter explaining their investigations, they denied all my claims and the only reason posted is You received benefit from this transaction. 

This is more than frustrating. I reported as soon as I could, within 30 minutes. I have not bought anything major from XXXX for years, no reason for me to buy XXXX large items within 30 minutes. How could I possibility benefit anything from these. XXXX XXXX a XXXX XXXX, my car will not even be able to hold gasoline worth {$70.00}. 


Chase is the only company that I have all my credit cards with, I have been banking with Chase for over a decade. I thought as an international bank, they can protect their customers. But this time Chase totally disappointed me and I dont even know what I can do. I am filing my complaint here and I am going to call Chase again next Monday. There is no way for me to accept the result and because I received benefit. As a XXXX XXXX XXXX, honesty and respect is the foundation of how I treat my patients and everyone around me. It is embarrassing how Chase treats its customers.
Product: Credit reporting or other personal consumer reports

Experian has not been giving me a correct information on XXXX XXXX On credit bureau. They re moved my present address that lived at for 4 years. I found out that my previous address is getting my copy of credit report. Post lady told me with previous address.. And I report it to all credit bureau XXXX This has been going on for years. I can't even get a copy of my annual credit. I Asked them to remove my data 7 years older. There's no activity on them XXXX XXXX  denied me for increase said I had to much credit. I don't I only have XXXX limit. 
They can remove old data. I pay my bills on time and late. Someone is applying for credit in XXXX XXXX. That I don't have. At least Experian stop it. Because I had fraud alert. Because XXXX XXXX said I had to much credit. They getting my credit with someone else.The credit bureau is reporting my address with out the apartment number. Even the old address. I bought a membership with Experian XX/XX/2023. It's been a horrible. Called customer service. They couldn't find my account. They said my account was cancelled. Never cancelled it. So I am paying XXXX a month. Not getting my alerts when someone is using my credit. I was told by Experian that they received my dl was on dark web. That a service they have. XXXX has service that XXXX had my SS.information. breached. I don't have cell phone from XXXX XXXX I only have one phone. 
Experian said that I email them a copy of my dl.ss. I told them I never did that. Or 2 other credit bureau. Never send my information over the phone. Experian was careless. Did not call me. 
Experian. Is mixed my information with someone else they trying to cover up there mistakes. They put threw alot of pain. I go by maiden name. Experian has my credit mixed up with family. Some similar to my name or social security. I will never know because I am not getting an annually credit. I don't have alot credit. Investigate this please. 
XXXX cell number. 
XXXX XXXX
Product: Credit card or prepaid card

Got text from capitoline asking if an {$1800.00} plus charge on my card was me on XXXX.I called and told them it was not.There were also two other fraudulent charges that were pending.The {$1800.00} plus charge had posted and they said it would be reversed.The cards were cancelled and new ones would be issued.I flew to Florida on XX/XX/25 and returned on XXXXAfter my return on XXXX I went to check my account online and saw that {$400.00} was pending.I called again and was told that it was a cash adjustment and I did not have anything to worry about.My balance was correct, {$16.00} of which I redeemed {$6.00} in cash rewards.On XXXX my balance showed as $ XXXX XXXX of which was not mine.I called again and after speaking to three people I was told I was responsible for the {$400.00} which was a cash advance form an ATM.There was a previous attempt at a {$500.00} cash advance that was declined.Furthermore, a new pin was used and verified.Again not involving me.They could not give me a location of the ATM in question. None of this activity involved me.They asked if my card was always in my possession.I said yes and nobody had access to it.
Product: Credit reporting, credit repair services, or other personal consumer reports

( Social Security Administration ) a credit account that was showing as a positive and paid in full, up to date account on experian, XXXX XXXX, and XXXX credit reporting bureaus, was either fraudulently disputed by another person other than myself, unauthorized, ... or was incorrectly removed/deleted via and by the credit bureaus who provided this information pertaining to this credit account, experian, XXXX XXXX, and XXXX, whom initially listed this account onto my experian, XXXX XXXX, and XXXX credit report files, however, I had not done this myself, as it was showing a positive and paid account proving my credit worthiness in paying it off with no issues. Now, due to this unauthorized, negative, removal, dispute, or deletion of this account, and being that I have no deragatory remarks on my credit reports whatsoever, I am not emitting a FICO score of ANY kind, or it is so low ( an 8 ) that i am unable to apply for credit in the least amount, had this one positive not been removed from my credit file and reports. ( Social Security Administration account # XXXX XXXX.
Product: Credit reporting or other personal consumer reports

This is my OTHER 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 {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00} 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

If you continue to disregard my demands for compliant reporting practices, I will consider this letter as an official notice prior to my petition for a writ of review in civil court. As the injured consumer of your inadequate reporting practices, I contest your assumed reporting privileges for any and all of your challenged claims in this consumer complaint. I demand that you demonstrate your compliance with state and federal reporting mandates, including the FCBA, FCRA, ECOA, and any applicable laws in my state. I am concerned that your claims may not adhere to industry standards for legal and ethical reporting, particularly in relation to the Metro 2 Data-filled Field Formatted Reporting Standards, per CDIA. 

Upon reviewing my personal consumer credit report, I have noticed questionable and/or inadequately reported data in my file at your company 's office. I am confused as to how and why this information has been populated or repopulated into my credit report profile, and whether or not I received the required XXXX notice of its return to reporting. Per the FCRA, any item previously removed can not be reinserted into a consumer 's credit report without written notice to the injured consumer within XXXX business days. I have not received such notice, nor have I received any evidence of the accuracy and completeness of your reported claims. Your failure to remove these claims is a violation of my consumer rights and is unjust. 

Listed below are the Personal Information that are being challenged Incorrect DOB : - XXXX Listed below are the Accounts that are being challenged XXXX - XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX Listed below are the Inquiries that are being challenged XXXX XXXX - XXXX XXXX - XXXXXXXX XXXX XXXX - XXXX Your agency is in breach of the law! According to 15 U.S.C. 1681 section 602 A, I am entitled to privacy. Furthermore, 15 U.S.C. 1681 Section 604 A Section 2 specifies that a consumer reporting agency may not provide an account without my explicit written permission. Additionally, 15 U.S.C. 1681c. ( a ) ( 5 ) states that no consumer reporting agency is permitted to include any adverse information in a consumer report if the event occurred more than seven years ago, except for criminal convictions. Lastly, 15 U.S.C. 1681s-2 ( A ) ( 1 ) mandates that no person should provide information about a consumer to a consumer reporting agency if they know or suspect the information to be inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reposting that I have an open account that has already been paid in full as of XX/XX/XXXX. We have reached out to the credit bank, Citadel Servicing Corporation, about this issue. We are unsure if Citadel is the one that is wrongly reporting that there is still a balance, or if XXXX is not updating account status. I have filed a dispute on XX/XX/XXXX, to correct the status of the so called unpaid mortgage, but claimed that the information was up to date on XX/XX/XXXX. We have also called Citadel and they have sent us documents stating that the loan was paid in full, which we have submitted to XXXX as supporting documents to fight the dispute response on XX/XX/XXXX. This false report is severely affecting my credit score and the ability to obtain other loans.
Product: Mortgage

Chase sold my mortgage to XXXX XX/XX/XXXX. However, Chase didnt give me option to continue auto pay but took upon self to forward to XXXX without my permission. 
This loan was paid off XX/XX/XXXX. 
XXXX plan to take XXXX payment not owed. Speaking with Chase no one know how to stop the auto draft Chase set up. Just got off the phone with Chase Mortage department spoke with XXXX.
Product: Checking or savings account

They close the account in XXXX of XXXX and said theyll send me my funds via check thru mail. It was a total of XXXX. When I reach out after the date had passed that I was supposed to receive the check in the mail I was told that the back office was in control and thats who I should speak with. Well when I was finally able to get someone from the back office online they told me that they could not give me anymore information!!!!
Product: Debt collection

I recently filed an identity theft report with XXXX   in XXXX of 2019. XXXX  is still showing collection accounts from multiple collection agencies. The collection agencies are IC system ( original creditor : XXXX XXXX XXXX XXXX ) for {$720.00}, XXXX XXXX ( original creditor : University XXXX XXXX of ) for {$78.00}, XXXX XXXXy ( original creditor : City of XXXX XXXX ) for {$840.00}, XXXX rec ( original creditor : XXXX XXXX   XXXX ) for {$710.00}, and XXXX XXXX ( original creditor : XXXX XXXX XXXX ) for {$200.00}. I included an identity theft affidavit with my report and it needs to be removed immediately due to identity theft.
Product: Debt collection

Identity theft. I never signed a contract with this company. Never heard of this company nor have I ever recieved notice of any alleged debt. They are also in violation of copyright infringement.
Product: Debt collection

A personal Guarantee on a business loan was taken out with Chemical Bank in XXXX, MI. In the process of the loan, they placed a lien on my residence. This loan guarantee was discharged in Bankruptcy XXXX of XXXX and is still on record at the county not allowing me to do a reverse mortgage on my home. We ( my attorney and I ) have worked for nearly two years in an attempt to have them send me a discharge of lien so I can provide that to the new lender. Chemical Bank refuses to send me a discharge. Files are attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital One Credit Cards.. Due to the pandemic, just like everyone else. I actually tried my best to settle. I was told it would show settled for lesser amount and have the 2 derogatory remarks removed on both cards. I feel that I should have just kept my $ and not even tried. I really need my credit report in general with all 3 credit bureaus to atleast show that I tried. I have settled all debt I have to atleast try my best. It's disappointing. I should have just done a Bankruptcy but I tried to redeem my credit and feel unsuccessful. Please help!!!
Product: Debt collection

I sent a dispute letter and they have not provided any proof that I owe this debt. They are using fraudulent and illegal business practices to get me to pay a debt that I do not owe. I requested information from them about the incident and they purposely ignored my requests. I am concerned that they are taking actions that will impact my financial status. 

I am concerned that they are taking illegal actions to collect debt that I do not owe. I sent a dispute letter and Wilburs response didnt appropriately answer my questions or concerns. 

Proof I owe the debt. 
Itemized list of costs that total the amount of the debt Provide proof of any judgement Proof that you are licensed in the state of Illinois A list of all communications and methods related to this matter List of actions taken against me so far Out of these 6 questions I asked they only provided an itemized list of costs. The cost that they have included is absurd. The other 5 questions were purposely ignored. Wilbur Group has a history of trying to collect debts from consumers that do not owe. They have several other CFPB complaints against them for the same reasons. Their actions violate several consumer laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 

XXXX XXXX Account # XXXX30 days late in XX/XX/XXXX, XX/XX/XXXX. XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX.
Product: Credit card or prepaid card

Hello. So I opened a Children 's Place credit card back in XXXX to take advantage of the promotions they were offering. I am very good about making payments for ANYTHING on time. I have a 99 % on time history with my credit report. However, I realized in XXXX I had forgot to make my payment from XXXX. So i called and made my payment. When I paid, there was no late fee showing so I assumed I did not accrue one. Apparently the day after I paid my balance in full, the added on a XXXX dollar late fee. I was never emailed anything besides promotional emails from them, and never received anything in the mail. They called me in XXXX stating I owed XXXX dollars as they were charging late fees FOR my late fees ... never was notified again. So I called and negotiated with them, and they knocked my balance down to XXXX dollars. I paid them, and all was supposedly final. Today I received an email of a statement saying I again owe them a XXXX dollar late fee, and XXXX dollar interest charge for paying my late fee that I talked to them in XXXX about, 8 days late. Not one person told me this would happen, or that I was paying anything late. So now I am being charged late fees almost every month when I owe them XXXX money. They refuse to take the fees off, and made me pay them twice now. I feel this is extremely inappropriate, and slimy. I feel let down that even though this is clearly not right, they refused to take the charges off, and instead told me I would be sent to collections for not paying them. Please please help. I do not want to spend my monthly pay check on nonsense rather than feeding and providing for my family.
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Dear Sir/Madam, I am writing to formally dispute certain information in my credit report under the provisions of the Fair Credit Reporting Act ( FCRA ). After reviewing my credit report, I identified inaccurate or incomplete information that requires correction. Below, I have outlined the disputed item ( XXXX ) in detail : Disputed Account Information : Creditor Name : XXXX XXXX XXXXXXXX XXXX Account Number : [ Insert Account Number ] Description of the Discrepancy : [ Explain the errore.g., incorrect balance, wrong payment history, fraud, duplicate entries, etc. ] I request that you investigate this matter and provide me with the results of your findings. Please also send me a copy of the updated credit report once the corrections have been made. According to the FCRA, you are required to investigate my dispute within 30 days of receiving this letter. 
I have attached relevant supporting documents ( if applicable ) to help with the investigation, such as : A copy of my credit report Proof of payment ( if disputing a balance ) Any other documentation supporting my case. 
Please confirm receipt of this letter and inform me of the progress of the dispute. I would appreciate it if you could also notify me once the dispute has been resolved. 
Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Mortgage

On XXXX XXXX, XXXX I signed contract to purchase a home for {$120000.00} and this is what happened : This house and approximately XXXX others are all built on the wrong lots and I am in litigation because I have been evicted from my own home. The problem came in XXXX when a survey was performed that set an entire area of the plat off at least XXXX feet to the west. My house is built XXXX feet to the east across the street from the actual property. The deed states Lot XXXX section XXXX, but the house it built on Lot XXXX section XXXX. I paid a surveyor to survey this area and all he did was pull the old survey and stamp it and never went out to the property otherwise he would have known it was the wrong lot. Further digging into this due to the eviction lawsuit, the county knew that the survey was off based upon a letter written in XXXX, but still issued building permit for my house in XXXX. I have been trying to work with the mortgage company, but I am in default of the loans I have already paid thousands of dollars and down payments for a house I will not own. The title policy refuses to pay based upon the exclusion of the survey, but have agreed to represent me in the eviction case, the present mortgage company just had the loan pulled from investments because it was in default and forced the original loan company to take it back because it was more than clear to them that this is a faulty loan. This is all unfair and unjust to me as a consumer that I have to pay for something that is clearly not mine. Now the original mortgage company who retained the loan is threatening me. My credit is being ruined I had good credit, but now because of this I am being ruined financially. I want restitution for this loan I paid for due diligence I did everything right I paid for a title search a survey, etc. and I am the victim. The owner of the land clearly wants the house the judge has n't ruled on eviction because it is so complex with the other XXXX homes, the county is involved, multiple builders, multiple title policies, multiple surveyors, multiple banks, mortgages and an unbelievable amount of issues. No one knows what to do it will be in litigation for the eviction for years. Ca n't file lawsuit until eviction is final meanwhile my credit is destroyed and I will never own this house and foreclosure is threatened on a house the bank does n't own. I have all the documentation to prove this I want to be discharged from this debt the original mortgage company is at fault by providing me with a untrue faulty loan on a house that I do not own.
Product: Credit reporting or other personal consumer reports

I previously had an automobile loan with Exeter Finance. Due to issues with the final payment of the vehicle, there wasnt an accurate late payment that was submitted to all three credit bureaus. previously had an automobile loan with Exeter Finance due to issues with the final payment of the loan. As a result of the CFPB complaint Exeter agreed to remove any late payments from the credit bureaus. Upon reviewing my credit on XX/XX/year> with XXXX I noticed XXXX was the only creditor to not remove this late payment. I submitted another dispute through XXXX. On XX/XX/year> I received an email from XXXX stating the information was correct, XXXX not on ; y changed the payment status from being 30 days past due the status of the account was changed to 60 days past due. This was not apart of the agreement that was submitted to CFPB. I want my credit report to have the late payment status removed per my agreement with Exeter. This is a demand prior to seeking civil penalties as the late payment was due to be removed by Exeter and XXXX over a year ago and still has not been completed.
Product: Debt collection

On XXXX XXXX a collection that XXXX unfamiliar with was reported to my credit report. By a collection named PRO COLLECT. I am a victim of identity fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian lost lot of my credit data/account information/payment history, which cause my credit score very low. On comparison of three credit bureaus, I have XXXX open accounts on XXXX  and XXXX, but they are not shown on Experian report. In 2016, my credit report of Experian is normal, it had highest score among three credit bureaus. I called my banks, XXXX XXXX, XXXX XXXX ..., they said they send payment information to all three credit bureaus, including Experian every month. But my current account information are not shown on Experian credit report.