23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

In XX/XX/XXXX, Chase Bank claims I allegedly defaulted on debts on XXXX separate accounts. In XX/XX/XXXX, they attempted to sue me. Having never been served with papers, Chase moved forward with the court date. Having no knowledge of the court date, I was in default judgment. Once I received a copy of my credit report, I noticed a judgment on my credit report. When appearing in court, I researched the initial filing by Chase bank as they sued me in lump sum of all XXXX accounts. The case was discontinued in XX/XX/XXXX by Chase and subsequently thrown out by the judge. In XX/XX/XXXX, I received XXXX form XXXX 's for XXXX of XXXX accounts. According to my accountant, I had to claim it as income earned and paid taxes on it. After sending multiple dispute letters to the credit bureaus, Chase eventually adjusted the balance to {$0.00} with the bureaus. After filing another round of disputes, Chase placed the original balance BACK on the credit report. They refuse to take it off, and claim the money is still owed however have no proof of how I owe the money and if I would like to voluntarily pay the balances ( after filing the XXXX ) they would remove the debt from the credit reports. When the account was at {$0.00} my fico score was above XXXX. Once they updated it again as bad debt, my credit score slumped to low XXXX 's. Banks are refusing to underwrite a loan because of them. PLEASE HELP!
Product: Checking or savings account

My card was charged {$140.00} from a company due to card information being on file and over charged my card through bank information and tried receiving funds back but was threatened by owner for the unauthorized payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus 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 XXXX, and I'm including it again. Accounts : XXXX XXXX XXXX XXXXXXXX XXXX XXXX DEPT OF ED / XXXX XXXX DEPT OF ED / XXXX XXXX DEPT OF ED / XXXX XXXX DEPT OF ED / XXXX XXXX DEPT OF ED / XXXX XXXX DEPT OF ED / XXXX XXXX DEPT OF ED / XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX. XXXX XXXX XXXXXXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX. I looked at my TransUnion credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( XXXX ) ( b ). And according to 15 USC 1681i 5 they are suppose to do this ( XXXX ) Treatment of inaccurate or unverifiable information. ( A ) In generally, after any investigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the investigation and ( ii ) promptly notify the furnished of that information that the information has been modified or deleted from the file of the consumer. And according to 15 USU 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt or credit management

I sent a request to Experian asking that they verify or validate the late payments on my XXXX XXXX account and XXXX XXXX account. Neither Experian XXXX or XXXX will send me documentation showing how these late payments are verified and validated.
Product: Checking or savings account

I have been a customer with Citibank since XXXX. 

On XXXX XXXX XXXX, I called the Fraud Department to report a potential email fraud incident. They blocked my online access as a result. This action has effectively deprived me of total visibility to all my banking and linked credit card accounts as well as XXXX my ability to transact with my creditors and debtors. 

I was advised the only way to remove the block is to come into a US branch to verify my identity. This, however, is not feasible as I am presently on business travel as my work demands extensive international travel 330+ days a year.

While I fully understand that the overriding objective of the department is to " protect the customers, '' I do not feel that I am being protected as a customer. Potential fraudsters and I both can't access my accounts in the meantime - I'm now treated the same as potential fraudsters. Even worst, I am fully exposed to credit rating risks for being unable to send payments to my creditors and receive from my debtors.

I can imagine that many customers are feeling the same way in this situation. There has to be a better way to prevent fraud while maintaing a customer 's access to their information in this situation. 

I respectfully request your immediate resolution and response.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Below is a direct quote from XXXX. 

" Under the Fair Credit Reporting Act, we are required to ensure that our credit reporting is accurate and that we report payments as we receive them. We previously confirmed in our letter dated XX/XX/XXXX, a copy of which we have enclosed without the original enclosures, that we are reporting accurately to the credit reporting agencies. Our latest review confirmed our credit reporting is accurate. 
We are not able to assist with your additional concerns with Equifax. We recommend you contact them directly for more assistance. After reviewing your inquiry, we found no instances of deceptive tactics. We confirmed we applied your payments as we received them. Our credit reporting is accurate. '' Please explain in detail how XXXX is reporting accurately. 

Equifax shows XX/XX/XXXX as 60 days late XXXX shows XX/XX/XXXX as 30 days late It took me exactly 3 minutes to look this up. Is that what accurate means? You report 30 days to XXXX, and then you report 60 days to Equifax? THAT IS ACCURATE REPORTING? 

XX/XX/XXXX XXXX reported 30 days late, and Equifax reported 120 days late. THAT IS ACCURATE REPORTING? 

Equifax reports payments made for XXXX and XXXX of XXXX plus XX/XX/XXXX ( 3 months in a row ), then out of nowhere 60 days late in XX/XX/XXXX. How is it possible to make 3 payments in a row and then have a 60 day late payment on the XXXX month? 


No deceptive tactics? XXXX literally closed my XXXX checking account in XXXX and held thousands of dollars, hostage, for 3 months, preventing me from paying on my mortgage. It was somewhere between XXXX That's not deceptive? 

XXXX stated on their insurance claim website that they would send me multiple payments to pay off my roof. MULTIPLE. Then refused to send me the first payment after I got someone to come out to CONFIRM it was done. XXXX forcing me to pay the contractor who did the roof out of pocket preventing me from making my mortgage payment on time. That is not deceptive practices? 

Please explain. Don't give me a cut-and-paste answer either. 


Delinquincy date of XX/XX/XXXX. Really. That's accurate? The account was never brought up to date, which makes it impossible for that to be the delinquency date. Yes deceptive tactics to keep this on my credit report for another 5+ years.
Product: Credit reporting or other personal consumer reports

My account with XXXX, XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in 60 days to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX, XXXX XXXX XXXX, XXXX Never Sent the periodic statement along with the disclosures from section XXXX ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports XXXX
Product: Credit reporting or other personal consumer reports

This morning, I discovered incorrect accounts appearing on my credit report, and I have no idea how they got there. As part of my routine, I reviewed my credit report, but this time, I noticed unexpected discrepancies. I even refreshed my browser, thinking it might be a glitch, but the inaccuracies remained. Due to this issue, I request a thorough review of the documents I have submitted so I can have peace of mind moving forward.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Inaccurate and Unauthorized Hard Inquiries Request for Removal and Verification Dear Experian Dispute Department, I hope this letter finds you well. I am writing to formally dispute certain entries on my credit report that I believe to be inaccurate and unauthorized, specifically the hard inquiries listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2023 XXXX. XXXX XXXX on XX/XX/2023 XXXX. XXXX on XX/XX/2023 XXXX. XXXX on XX/XX/2023 XXXX. XXXX XXXX XXXX on XX/XX/2023 XXXX. XXXX XXXX XXXX  on XX/XX/2023 Pursuant to the Fair Credit Reporting Act ( FCRA ), I am entitled to accurate credit reporting, and I assert that the aforementioned hard inquiries are not accurate, nor were they authorized by me. I kindly request the immediate removal of these entries from my credit file. 

Furthermore, in accordance with the FCRA, I am also requesting Experian to provide documentation that validates the verification process for each of the contested hard inquiries. Kindly provide proof demonstrating that the inquiries were, in fact, verified as accurate and authorized. This documentation should include, but is not limited to, any correspondence with the entities that made the inquiries, as well as any records of my consent. 

I am enclosing a copy of my credit report with the contested items highlighted for your reference. I believe that a careful review of the evidence will support my claim of inaccuracy and unauthorized access. 

I request that you conduct a thorough investigation into this matter, and I anticipate your prompt response in line with the FCRA guidelines. If, after investigation, it is determined that the inquiries are accurate and authorized, I request that you provide me with a detailed explanation and the supporting documentation. 

Thank you for your attention to this matter. I appreciate your cooperation and adherence to the legal requirements outlined in the FCRA. 

Sincerely, XXXX XXXX
Product: Money transfer, virtual currency, or money service

So there is a XXXX  XXXX  transaction that I confused with a atm transaction and I was haveing these XXXX accounts coming in and out of my bank I didnt have access to my bank and my credit is come screwed up and found out all this cause I was about to file my taxes
Product: Debt collection

This debt was for a XXXX co-pay. The original amount of the debt was {$270.00}. I was charged {$350.00} dollars by the collection agency when I paid the debt in full. They claimed it was interest but I was never notified that there was interest being collected for this medical debt. I told them this debt was owed due to hardship from XXXX XXXX loss of work.
Product: Mortgage

XX/XX/XXXX I My home was valued at {$550000.00}. I applied w WellsFargo for a ReverseMortgage. I went through counseling and completed all documents I thought I had a line of credit on my home balance {$290000.00}. When the loan processed and final docs showed line of credit I asked where was the money I was told we were n't eligible for any money/line of credit. I asked where was the line of credit accrued and used they said that was just a control number that I did n't have any equity credit. I have repeatedly asked to speak to legal XXXX for an explanation. DISCOVERY came recently when I tried to Refi my reverse mortgage and three lenders asked me how I got a reverse with " that much equity '' and no line of credit or cash out. I also did not know I was n't given final money disclosure doc until " a lender '' looked at my WF docs and I did n't know specific info. Now I recently went forward to again attempt to Refi and 30 days after WF notified me my ReverseM was being transferred to another lender. 
PROBLEM if reverse mortgages can not be granted unless ( as a lender explained to me recently ) the home owner benefits from RM how did WellsFargo write me a RM on an appraised {$540000.00} house w balance {$230000.00} but I did not get any financial benefits. We were ages XXXX/XXXX.
Product: Bank account or service

XXXX claimed that I gave them permission to take to automatic take money out of my First, TN account forelectric service to my home at XXXX XXXX XXXX I called them and asked them to bill me directly. I paid my account for XXXX and XXXX in person before the due date, however they continued to debit my account leaving me with overdraft charges. I paid the last bill XX/XX/XXXX and again they took the money from my account after I called them earlier in the month and told them not to debit my account. I checked with them and went to the bank today and XXXX continues to say that I gave them permission to debit my account which is false. My account is now overdrawn. The person at XXXX continues to be overdrawn. I asked the person on the telephone how long this have been going on an she said since XX/XX/XXXX. 
XXXX XXXX TN. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXXFIRST Tenn Bank XXXX, TN
Product: Debt collection

I replied to an offer from XXXX XXXX for an early up grade and was sent 2 new XXXX  with new lines added to my acct I asked representative several times about not adding lines to my service. She insured me that she was not a month later I saw that I had 2 new phone numbers on my acct I called numerous times with over 40 hrs and several nights on the phone with XXXX I was always transferred to someone else who said they would take take of me I had them start cases and a fraud case to get this resolved they would not email me anything about it but I would receive text messages with the case numbers on them and since then I have moved to another provider because I could get no response or anywhere concerning the matter of two additional lines and phones added to my account. I tried to send the phones back, but they wouldnt except it and then I got charged early cancellation fee for the two lines and accelerated payments for two phones and I sent back a XXXX XXXX XXXX that they have all the information IMEI numbers but physically cant find the phone now Im in collections for {$3800.00}. I reached out to XXXX XXXX XXXX I still cant get anything resolved through them. They were supposed to pull the phone call between me and the representative and figured out why I was added two lines on my service, but never heard back in any shape or form from XXXX XXXX XXXX now sunrise collections is calling me and put me in collections, which is killing my credit. This all started in the middle of XXXX 2021.
Product: Debt collection

On XX/XX/2019 I was notified by XXXX XXXX that a collection agency named Diversified Consultants had place an account for collections on all three of my credit reports. I checked all three and verified this. The original creditor is XXXX XXXX I contacted them also on XX/XX/2019. They claim I do not have an outstanding balance. I was never notified of this debt until it was placed in collections. I have been at my residence for 6 plus years and have never received a notice in the mail concerning this debt. I have had my identity stolen in the past and Im concerned this is a result of that.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX I discovered on my credit report a fraudulent XXXX XXXX XXXX account in the amount of {$4300.00} that began on XX/XX/XXXX. I filed an FTC report reporting this fraudulent account to Experian, XXXX, and XXXX. All XXXX credit reporting agencies removed this fraudulent account from my report. this inaccuracy was reinstated on my report in XXXX. 
I again disputed this fraudulent account with the XXXX credit reporting agencies requesting proof of an agreement creating a debt between XXXX  XXXX XXXX and XXXX XXXX XXXX XXXX Accordingly, the credit reporting agencies nor XXXX XXXX XXXX were able to do so because such agreement does not exist. The account in question is claimed to belong to my father XXXX XXXX not me, XXXX XXXX XXXX XXXX XXXX  XXXX XXXX sent a letter to my father, XXXX XXXX XXXX that they confirmed statements were mailed to the address that was provided for this claim and payments have been made on the account and that they were unable to approve the claim. I then filed another FTC report describing the same fraud information report that I submitted in XXXX, and resent a dispute letter disputing this fraudulent account, along with the new FTC report. XX/XX/XXXX XXXX responded saying the information that I provided as proof of my identity did not match the info they had on file. they asked me to send them two different items to verify my identity, copy of my W-2 and a copy of my Driver 's license. I provided these 2 items to XXXX, along with a copy of my birth certificate, social security card, utility bill, Office of Property Assessment and sales information pertaining to my address proving that i am in fact XXXX XXXX XXXXXXXX XXXX and not XXXX XXXX, along with the letter that they sent me. In addition to proof of identity, i provided identity theft report ; identification of such fraudulent information ; and a statement that the information is not information relating to any transaction by me pursuant to 15 U.S.C. 1681 c-2- ( a ) which requires such fraudulent information to be blocked. 
In violation of 15 U.S.C 1681 s-2 ( B ) and 15 U.S.C. 1681c-2- ( a ), XX/XX/XXXX XXXX sent me a letter stating that this disputed information was verified as accurate and that dispute was frivolous. Proof of an agreement creating debt between XXXX XXXX  XXXX and XXXX XXXX XXXX XXXX was never established
Product: Credit reporting, credit repair services, or other personal consumer reports

I am frustrated to see the Credit Reportng Agencies do nothing with my request to remove the dipsuted fraudulent items from my Credit Rpeort. It has been a battle going through this and I am submitting this complaint to delete the following fraudulent information completely from my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge nor accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged information showing on my credit report. I therefore request that you immediately remove these information from my credit report with your firm pursuant of the FCRA Section 605b ; XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX  XXXX XXXX, CO XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX  XXXX XXXX XXXX CO XXXX XXXX Original Creditor : XXXX XXXX XXXX  XXXX XXXX XXXX Balance Owed : {$760.00} ACCT XXXX XXXX Original Creditor : XXXX XXXX Balance Owed : {$240.00} ACCT XXXX XXXX  Original Creditor : XXXX XXXX Balance Owed : {$51.00} XXXX XXXX  Original Creditor : XXXX XXXX XXXX XXXX  XXXX Balance Owed : {$820.00} XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XX/XX/2021. I have read enough to understand my rights which is clearly being violated by the Credit Bureaus.
Product: Prepaid card

From XXXX XXXX XXXX I reserved a room at the XXXX in XXXX. The room was in a part of the property that was under construction, there was furniture and debris in front of the parking space, and I requested a different room but was told that they were at capacity and I was not able to move. I was not informed of any preauthorize amount, nor did I have to give a deposit. It was a smoking room, had not been thoroughly checked and cleaned before I arrived, and I was only provided with clean linens every other day. Since I had been on the road for almost 6 hours I took a shower and I turned in the towels used and the sheets, because I did not feel comfortable with the sheets that were already on the bed. It was then that I was informed that I had to wait until the day after I got there, I arrived on a Thursday night, and wasn't able to get a fresh set of linens until the Saturday. The motel manager confronted me about the linens, saying that they were ruined, due to a small amount of soil, Nothing else was ever said about it. 
So I had to use my own clothes after bathing and the bed had no sheets. That Sunday I started getting sick and I was not able to drive back home and my card was declined so my boyfriend paid for the night with his card. The Monday I was worse so I went to the emergency room. I would have to stay another night at least. I did not stay in the same motel, I chose to go to a cleaner, more quiet motel. 
In my way home the following Tuesday I got an alert that my account was locked and I had to pay {$610.00} to restore it. I called the card company immediately to find out why I was being charged such a high amount. I had tried to call the motel to speak to management and I was not able to get anyone to help me. I don't understand why the card company allowed my card to be charged {$610.00} for the sheets. My boyfriend was not charged, he used his card after I was checked out and they did not charge him anything. I have file a dispute twice, sent in all of my supporting documents, photos, and the charge is still on my account. I don't think the company should have allowed me to be charged if the money was not there, and since the allegations were untrue. I have never caused any damage to any other lodging providers in the past and at almost XXXX, my partying days are over. I was told the last time I tried to get it resolved I would need to provide new supporting evidence. What more can I provide that I have not already done? So I am now requesting assistance with this issue.