23daVinci/CFPB_Complaints huggingface dataset:
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 15 USC 1681.

Account Name : XXXX  XXXX  Account Name : XXXX and list of Inquiries. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXXBalance {$100.00} XXXXBalance {$95.00} DPT EDXXXX-Balance {$2300.00} DPT ED/XXXX***-Balance {$5400.00} DPT EDXXXX-Balance {$7500.00} XXXX XXXX**-Balance {$390.00} XXXX XXXX Original Creditor : XXXX XXXX ) XXXXBalance {$590.00} XXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXXBalance {$900.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXXBalance {$590.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted an investigation request to Equifax over the summer. Several months have passed, and I still haven't received a response yet. They were supposed to respond within 30 days.
Product: Money transfer, virtual currency, or money service

On XX/XX/2022 I have wired money from my bank ( XXXX XXXX  ) to XXXX. I wired {$500.00} and paid {$50.00} fee for that transaction. 
See attached first file for the record of that wire. 
On XX/XX/2022 I have wired money, second time, to the same bank in XXXX. This time I sent {$650.00} and paid another {$50.00} fee. 
See attached second file for the record of that second transaction. 
Then I received my monthly bank statement for XXXX. On it was a deposit from an unknown source for {$430.00}. Deposit was made on XX/XX/2022. The only description of that transaction was : XXXX XXXX XXXXXXXX. 
See attached third file. 
I filed a complaint with my bank about deposit from this unknown source. 
After an investigation, my XXXX XXXX  had informed me that, while XXXX XXXX  did send my wire through, an intermediate company had refused to forward my wire to XXXX. Rejection of my XX/XX/XXXX wire was made by J.P.Morgan Chase. {$430.00} deposit was J.P.Morgan Chase 's idea of a refund for the {$500.00} I had sent.

My bank had informed me to expect similar rejection of my second wire. 
I have now received my XXXX statement from my bank and, as I was told to expect, there is a deposit of {$580.00} made on XX/XX/2022, by an unknown source, with the only description of a transaction : XXXX XXXX XXXXXXXX. So, on this second transaction I have sent {$650.00}, but got back {$580.00}. 
See attached fourth file. 
The result of these 2 transactions : I have sent {$1100.00} to XXXX, but JP Morgan Chase has robbed my beneficiary of these {$1100.00} and put {$130.00} of that money in its pocket! 
The manager at my branch in XXXX XXXX  had informed me that they moved my initial complaint higher up and gave me the person higher up in XXXX XXXX  to get all the information that XXXX XXXX  has received. 
That person 's name is XXXX XXXX. His phone number is XXXX. 
He said he was not allowed to provide any documentation, but he did read me the statement he received from J.P.Morgan Chase.

Statement he read was : " Unable to execute due to internal policy. No OSAC  reporting made ''. 
( I am not sure if it was OSAC or OFAC report that was not made ). 

JP Morgan Chase is illegally robbing beneficiaries in XXXX and stealing senders money.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that this account was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. This account needs to be investigated and deleted for erroneous reporting in my file. 

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

In accordance with the Fair Credit Reporting Act XXXX  Account Number # XXXX Finance XXXX Account Number # XXXX XXXX XXXX has violated my rights.

15 U.S.C. 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting Agency can not furnish a account without my written instructions.
Product: Mortgage

I have been working to resolve misapplied through LoanCare 's Payment Research department for the past 5 months for our mortgage through XXXX XXXX XXXX. On XXXX XX/XX/XXXX, I submitted copies of checks going back to XX/XX/XXXX as proof of timely payments, but I have been asked 3 times for supporting docs. Each representative I speak to states Payment Research will get back with me after reviewing, but I have yet to hear, or receive correspondence from this department. The customer service rep that I spoke with the first week of XXXX could see that payments started to be misapplied in XXXX, but to give the company until XXXX XXXX to review. When I spoke today with service rep, my payments are still misapplied and he was unable to see specific checks that have been through the bank. We have requested to speak with the fraud department as well and these requests have been ignored.
Product: Student loan

XXXX Since I have been working as a XXXX  XXXX  for XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, student loans have never been forgiven. This is always true even after submitting document after document. Currently, XXXX services student loans, and they have engaged in tactics such as : unable to connect with a person for help by utilizing long hold times and redirecting to no one creating no response and burdensome requests for my situation, such as approving XXXX for debt forgiveness creating a no-response pattern and burdensome requests to satisfy requirements such as extenuating XXXX XXXX like XXXXXXXX XXXX XXXX XXXX sending conflicting emails and messages for a bill due or forbearance approved sending emails and messages regarding not qualifying for student loan forgiveness through service sending emails and messages regarding not qualifying for student debt loan forgiveness due to extenuating XXXX XXXX
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Please XXXX and remove it. 
XXXX XXXX Date XXXX Inquiry XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry XX/XX/XXXX, XXXX XXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX Date XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX  Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX  Date of XXXX XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX, XXXXXXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXXXXXX XXXX  Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing to express my deep concern and frustration regarding the persistent inaccuracies on my credit report and the numerous unsuccessful attempts to rectify this issue. I urgently request your immediate intervention to expedite the removal of these inaccurate items to prevent further damage to my credit history.

Despite submitting disputes, the inaccurate items on my credit report persist, causing significant stress and negatively impacting my creditworthiness.

I have attached supporting documentation, including dispute submissions, evidence of inaccuracies, and any other relevant information to substantiate my claim and facilitate a swift resolution.

Understanding the critical role of the Fair Credit Reporting Act ( FCRA ) in ensuring the accuracy of credit reports, I urgently request your intervention to expedite the removal of these inaccurate items.

Given the numerous unsuccessful attempts to address this issue, I urge you to conduct a thorough review of my case, identify any obstacles hindering the removal process, and take immediate action to resolve these matters. I expect regular updates on the progress of the removal process.

I insist that all relevant creditors and parties involved be promptly notified of the inaccuracies, and necessary steps are taken to ensure the swift removal of these inaccurate items from my credit report. 

Timely resolution is crucial, as these inaccuracies directly affect my ability to make informed financial decisions. I am asking for your assistance to remove these fraudulent items in my credit file : XXXX XXXX XXXX, XXXX, TX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX, XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX TX, XXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXX Balance : {$8100.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XX/XX/2023 XXXX XXXX  XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXXXXXX XX/XX/2023 XXXX XX/XX/2023.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a recent copy of my credit report in XX/XX/2020. Upon looking at the accounts, I've noticed some accounts reporting inaccurately and incorrectly. I disputed the accounts in hopes each of the bureaus, XXXX, Equifax, and XXXX, do an investigation on the companies and verify the accounts. Since then, I have mailed letters to each of the bureaus and haven't received any responses or results back. I am very upset on how the bureaus conduct themselves and report inaccurate information that disrupt the overall well being of my life.
Product: Credit card or prepaid card

I received my unemployment debit card from Key Bank five weeks ago, Key2benefits Card. I only used it once and forgot the PIN? From that moment I've never been able to use it again and Im completely locked out of the system! It won't let me reset my pin on the website, there is no live chat and they don't answer the phone, ever! Theyre holding my money hostage. Please see the million other of the same complaints on XXXX website
Product: Debt collection

My credit report includes accounts I never authorized. Please block and remove these fraudulent items immediately.
Product: Credit reporting or other personal consumer reports

Dear Experian I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 

1. there is some inaccurate information reporting. 
XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 

2. there is some inaccurate information reporting. 
XXXX XXXX XXXXXXXX Account Number : XXXX Delete this account. 

3. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX  XXXX Account Number : XXXX Delete this account. 

4. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 

5. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

6. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

7. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX  XXXX Account Number : XXXX Delete this account. 

8. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 

9. there is some inaccurate information reporting. 
XXXX XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report. 

10. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX Account Number : XXXX Delete this account. 

11. there is some inaccurate information reporting. 
XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

12. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX Account Number : XXXX Delete this account. 

13. there is some inaccurate information reporting. 
XXXX XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report. 

14. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX Account Number : XXXX Please remove it from my credit report. 

15. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

16. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete this account. 

17. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 

18. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX Account Number : XXXX Please remove it from my credit report. 

19. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account.
Product: Credit reporting or other personal consumer reports

On my credit report my personal information displays addresses, phone numbers that is inaccurate. I requested the information be removed and/or updated.
Product: Credit reporting or other personal consumer reports

I didnt give no one, my approval to use my information
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 15 USC 1681. 

Account # XXXX XXXX XXXXXXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX, and Account # XXXX XXXX XXXX XXXXXXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A states I have a right to privacy.

15 U.S.C. 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information or any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s2 ( A ) ( 1 ) A person shall 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: Credit reporting or other personal consumer reports

I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/Information reporting to my credit report. these remarks have been detrimental to my life and credit health.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023, over 30 days ago but I still haven't gotten any update about the status as yet. I am aware that the CRAs are required by the FCRA to comply with consumer disputes and I learn from people online that I need to file a complaint to CFPB, XXXX and the Office of the Atty General if do not I receive the correct response.
Product: Credit reporting, credit repair services, or other personal consumer reports

DEAR MANAGER/NAVIENT! How are you doing? I was shocked today when I reviewed my credit report again and found late payments for my student loan accounts. I disputed this account and nothing was sent to me to legally verify the accuracy of this reporting. It continues to report incomplete, inaccurate, and unverifiable information, and therefore, it's impossible that it was investigated and verified Hows it possible that youve reported me 90 days late with no late payments prior to that? Also, wasn't Navient student loan servicer was sued for not applying payments to consumers accounts correctly. I was never late and this account needs to be removed.
Product: Debt collection

Ally reached out to several of my XXXX friends and family about my debt. I received over 20 calls a day, back to back and even sometimes private. Ally made fake XXXX pages with their pictures pretending to be friends and family. I asked them to stop several times and it still continued. I have voicemail recordings and text screenshots from the people they contacted.
Product: Money transfer, virtual currency, or money service

On XXXX XXXXXXXX at XXXX XXXX Received a Text to my cell number : I do not have any such account. 

Below is the text : ( Pay*PaI.Support ) UnusuaI login has been detected-XXXX Follow Steps : XXXX XXXX XXXXXXXX
Product: Credit card

I called B of A on XX/XX/XXXX to request a refund of a {$95.00} annual fee charged to my credit card on or about XX/XX/XXXX. 
I told the B of A employee that I didn't think I had ever paid an annual fee before. 
She looked at my account info and said she would refund the {$95.00} fee. 
I asked if there was another B of A card with no annual fee that I could switch to - she said yes and explained my options and I chose XXXX. 
Then she said sorry, but I was not eligible to switch to a different card, and the ONLY way to get a {$95.00} refund was to close the account, which I did not want to do, but she said that she could not process my refund until the account was closed. I did not believe this was true, but I felt I had no choice. After she closed the account, I was out on hold for more than XXXX mins. Then she came back and said I would not get the refund she promised she could provide.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following Inquiries. Block and remove it. 
XXXX Date of Inquiry XX/XX/year>, XXXX  Date of Inquiry XX/XX/year>, XXXX  Date of Inquiry XX/XX/year> & XXXX Date of Inquiry XX/XX/year>
Product: Credit reporting or other personal consumer reports

Dear CFPB, This is no longer a goodwill attempt. XXXX XXXX keep on violating my consumer laws by reporting this account to my credit. THEY CONTINUE TO UPDATE AND VERIFY THIS UNFAIR AND INACCURATELY REPORTING ACCOUNT. I am writing to formally dispute an account reported by XXXX XXXX XXXX. In accordance with the Fair Debt Collection Practices Act ( FDCPA ) and relevant federal statutes, I am requesting verification of this debt as stipulated under 15 U.S.C. 1692g, specifically regarding the requirements necessary for collections to exist. Ive already listed the methods of verification my last two disputes.

Under 15 U.S.C. 1692g, a debt collector is mandated to provide verification of the debt upon request. Additionally, the case of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX reinforces that all necessary documentation must be provided to substantiate the claim. Furthermore, the requirement set forth in Rule 1002 specifies that an original account must be produced to validate the debt in question.
Product: Debt collection

I recently reviewed my credit reports and was shocked to find a collection account from IC System for what is purported to be a medical debt. I am formally disputing this collection, as I do not recognize the debt and have no recollection of ever having this account. Furthermore, I have never received any communicationwhether by phone, text, email, or mailregarding this alleged debt. This includes the Dunning letter that is required to notify a consumer of a collection. The lack of prior notification has raised significant concerns regarding the validity and accuracy of this account. Due to this erroneous reporting, I have encountered difficulties securing credit, which is now directly impacting my ability to obtain a home loan.
Product: Debt collection

Mariner Finance has repeated called me, several times in one day after leaving a message. Additionally, they left a voice mail asking if I made my payment ( on my voice mail ), one representive threatened to sue me, another representive hung up on me in mid conversation, and called me before XXXX several times ( continued to call after I told them I was on PST time zone not EST ).
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/20 I called to pay off my account. They told me {$520.00}. I paid the total amount and closed my account. Then about 2 months later got a bill for {$250.00}. I called them numerous times and gave them my confirmation on the payoff transaction which is, XXXX. They informed me they would investigate the phone transaction and get back with me. I never heard anything back. Then I find out they turned it in on my credit report. When I paid it off i ask twice if that was the total payoff and she said yes. I am not paying this bill that they have created after my account was paid in full. They have the phone recording on that transaction that they can review.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX and also CKS Prime Investments companies are both third party debt collector.. I have ask for both companies to send me all document with original contract or signature or account accuracies.. 
XXXX XXXX XXXX has debt for XXXX opened XXXX XXXX XXXX  CKS Prime Investments has account for {$580.00} open XXXX XXXX  I have disputed these at least 3-4 time.. I just really need help and removing these items off my report..