23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Good Morning to all parties involved, According to the Fair Credit Reporting Act ( FCRA ), as outlined in 15 USC 1681e ( b ), consumer reporting agencies are responsible for providing maximum accuracy when reporting consumer information, however my consumer report has several inaccuracies that I have attached below. In addition to that late payments are considered transactions due to the late fees that are associated with credit cards & according to 15 U.S. Code 1681a 2 ( A ) ( i ) consumer reports should not include information pertaining to any transactions or experiences between the consumer and the originator of the report. If this is the case, late payments that I am not responsible for should definitely not be reported on my consumer report! I am aware of several other consumer rights that have been violated and I am prepared to settle for civil liability damages that I have suffered as a result of your violations. Please investigate and provide proof with statements showing that these payments were late. If proof can not be provided, I ask that any late payments associated with [ XXXX XXXX XXXX  associated with XXXX for the month of XX/XX/year>, XX/XX/year> & XX/XX/year>, XX/XX/year>, XX/XX/year> and XX/XX/year> ] be updated to paid as agreed on time and NOT DELETED so the account can remain active. Thank You! Please see the attached screenshot to view the late payments and inaccuracies that I am disputing. Your cooperation in this matter is crucial to ensure the accuracy of my credit report and to safeguard my rights as a consumer under the FCRA. I appreciate your prompt attention to this dispute and look forward to a resolution in a timely manner.
Product: Mortgage

I have been struggling to pay for this house while the repairs are taking place. Fay Servicing has done everything possible to not release my escrow funds to continue my home repairs. XXXX, 2022, I was approved for $ XXXX from my flood claim. I received the check and ended up terminating the contractor therefore, I sent the check back to Fay to deposit back into my escrow. I informed Fay that I will be looking for another contractor and contacting them once I have a signed contract to receive the XXXX. I contacted Fay ( 3 ) weeks ago requesting to receive the 15k for my newly hired contractor. Here we are ( 3 ) weeks later after many, many phone calls, Fay has still not released the funds. I have been told that I need to go through the approval process which takes approx 5 business days. ( 3 ) weeks later, no check no approval. Why should I go through the approval process when I was already approved in XXXX? Meanwhile, Fay demands the mortgage payment or my home will be foreclosed but they fail me for every home inspection and refuse to release funds in a timely manner.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to Transunion and they did not respond within 30 days. I want the item Removed from my credit report for violation no response within 30 days. I have enclosed a copy of the letter that I sent them. I have also enclosed Confirmation of Certified Mailed Delivered to them on XXXX. 

RE : TRANSUNIOIN Dispute Letter of XXXX To Whom it May Concern, This letter is a formal notice that Transunion has failed to respond to my dispute letter of XXXX regarding USBK court central callifornia Docket # XXXX. I sent this letter Certified registered mail, Drivers license, copy of social security # and have enclosed a copy of the return receipt which they received onXX/XX/2020 
As you are well aware, federal law Fair Credit Reporting Act, Section 611 ( a ) ( 5 )  requires you to respond within 30 days. It has now been Way over that period since their receipt of my letter. Failure to comply with Federal regulations by credit reporting agencies are in serious violation of the Fair Credit Reporting Act and may be investigated by the FTC. Obviously, I am maintaining detailed records of all my correspondence with you. 
I am aware that you may have misplaced my letter or have failed to respond to my letter because of an oversight due to the high volume of the requests you receive daily. If this is the case, I'm sure you'll want to handle this matter as soon as possible. For this purpose, I have included proof a copy of my original request and the dated Certified receipt of your reception of the original letter. 
Conlusion : The following information needs to be deleted from my Transunion report as soon as possible for failure to respond within 30 days : CREDITOR AGENCY : USBK CT CENTRAL CALIFORNIA Docket # XXXX Please delete this erroneous, unverified item from my credit report as soon as possible FOR FAILURE TO RESPOND WITHIN 30 DAYS Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to state that this complaint is from the Actual Consumer XXXX XXXX and not a third party of any kind. I looked at my EXPERIAN credit report recently and found an unauthorized inquiry reporting on my credit report. I wrote EXPERIAN a letter on XX/XX/2022 to try to get this inaccurate information deleted from my credit report since it is hurting my credit profile and costing me money in higher interest rates. EXPERIAN is not taking these inaccuracies on my credit report seriously and they are taking my rights for granted, Please assist in deleting the record below from my credit report Company : XXXX XXXX - XXXX INQUIRY - - Attached is the letter i wrote to EXPERIAN in an attempt to dispute this inaccurate information. i have attached my drivers license as proof of Identity and my phone and internet bill as proof of address so there are no questions about my identity.
Product: Credit reporting or other personal consumer reports

This debt collector " XXXX XXXX XXXX '' engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they did not follow the proper 5 step validation procedure which makes this unfair practice. According to the FDCPA I am entitled to XXXX XXXX Dollars per violation which clearly they violated my rights. They are furnishing a fraudulent account from XXXX XXXX acct number XXXX twice on my experian credit report. One shows as closed the other shows as in collections. This is not my account and I am a victim of identity theft. 
Experian is also engaging in abusive, deceptive and unfair practices by furnishing this information incorrectly on my credit report.
Product: Debt collection

On XX/XX/2017 I provided XXXX at XXXX XXXX XXXX ( XXXX XXXX XXXX, XXXX ) the required written notice, within the required time, to formally notify them that I was exercising my right to terminate the Apartment Lease Contract between me and XXXX XXXX XXXX as was outlined under paragraph 31 of the lease contract ( Responsibilities of Owner ) for their failure to perform timely maintenance. Rent was paid in full and no amounts were due through my last day of tenancy ( XX/XX/2017 ). They clearly failed to perform on more than one occasion for the same issue never being addressed until after my notification of termination. Despite multiple attempts to inform their corporate billing offices of the situation, the information was ignored and never resolved in the manner it should have been if they had a legitimate dispute. Incorrect billing of amounts not owed was passed on to XXXX XXXX XXXX for collections resulting in an false unpaid amount of {$2300.00} being reported as derogatory on my credit report. Extensive documentation is being included with this complaint.
Product: Credit reporting or other personal consumer reports

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update or remove the following inaccurate items in my report : 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
Product: Credit card

Hi, I booked a dinner event with my Chase Card. The vendor was oversold for the event and was unable to accommodate the reservation, even though I showed up for the event. I cancelled for refund in person with the hostess. 

I did not get a refund as promised from the venue, and they would not return my calls. I contacted Chase on XX/XX/XXXX to file a chargeback, and they refused to file on my behalf saying it's a billing issue with the vendor. 

I replied to chase on XX/XX/XXXX saying it is not a billing issue, the vendor will not respond to me, and I contacted the vendor on XXXX dates without response. 

Two more times Chase refused to even open a dispute on my behalf.
Product: Credit reporting or other personal consumer reports

I appreciate your time to REMOVE some of the erroneous items in my file that resulted from a faulty credit reporting but I still have ITEMS left that needed to be removed. This is my new complaint that I am a victim of mistaken credit reporting and I write to dispute certain items in my file resulting from the issue. The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please remove the reporting of any items in my credit file that resulted from an incorrect credit report information : XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX Balance Owed : {$0.00} XXXX : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, AZ XXXXXXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX Owed : {$0.00} XXXXXXXX XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$820.00} XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$4900.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX XXXX XXXX : {$0.00} XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$320.00} XXXX XXXX XX/XX/year>. These items are unknown to me. Also, the information you provided on some items are DELETED from other bureaus and I have doubts about their accuracy, and the reported payment history on the accounts are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind.
Product: Credit reporting, credit repair services, or other personal consumer reports

SafeRent Solutions is reporting the following injurious information on my CoreLogic Rental Property Report Consumer Report : Case Number XXXX Name : XXXX XXXX XXXX XXXX XXXX XXXX File Date : XX/XX/2018 Court : XXXX XXXX XXXX XXXX This information was obtained by XXXX XXXX and I was told that by a representative from XXXX XXXX the aforementioned court information is not reported on any of my XXXX XXXX consumer reports. 

It should be noted that local and federal courts do not verify information directly.
Product: Checking or savings account

On XXXXXXXX XXXX, XX/XX/2023, I received 3 emails from Albert. One saying to verify my email address. Another one said they will be charging me {$140.00} per year and a third with information ( banking account and routing number ) that was created automatically for direct deposit. 
I did not create this account. This is fraud. I reached out to the bank but I can not reach a person because everything is automated or you need the Albert App. I have emailed them and texted them to close the account but I have not had any luck. It has been 6+ hours of waiting.
Product: Bank account or service

Made a deposit at a Chase ATM in XXXX AZ on XX/XX/2017. It instructs you to put cash and checks in all together. I did this. {$440.00} in cash and a check for {$500.00} dollars. the screen showed one item not accepted. When the transaction was completed it did not return the check and there was no notation of the check on the receipt. Immediately called Chase. They filed a report, and issued a credit to my account. It is now 13 days and this issue has not been resolved. I have called the number provided twice in the last three ( 3 ) days, same answer, not information available. How is it that a ATM machine can have this type of malfunction and they do not take immediate action. Also told they have no direct contact with whoever is " investigating this. This is a major issue with Chase 's brand new design ATMs.
Product: Credit reporting, credit repair services, or other personal consumer reports

During this disputing process, reporting agencies has failed to comply with 15 USC 1681a and 15 USC 1681b by not maintaining the proper response times and actions to all disputes.

After their proposed verification of these fraudulent accounts that has been disputed as not mine came back as verified. We demanded a validation under the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ) where under federal law, all accounts had to be provided with PHYSICAL proof of the original consumer contract with my wet signature on it. That has not yet been provided following our letter on XX/XX/2023. 
I want to be clear I am not claiming these accounts as my own because they are not. I am not requesting to update these fraudulent accounts. Since they are pinning these fraudulent accounts as mine, they are required to VALIDATE these accounts outlined in 15 USC 1692g Sec 809 ( b ) of the Fair Debt Collection Practices Act. Currently, the bureaus are reporting items that I have not given written consent to report. In fact, the items highlighted violate my rights under 15 USC 1666, 15 USC 1681 B, and 15 USC 1681 a-2. In fact, your comment claims you have shared my information and charged it off to a collection agency without my written consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

EXQUIFAX, HAS BEN REPORTING COMPLETELY INCORRECT INFORMATION FOR THE LAST 4 YEARS. 

MY CREDIT CARD BALANCES ARE NEVER REPORTED CORRECTLY. 
THEY ARE ALWAYS REPORTED AT A MUCH HIGHER PERCENTAGE THAN IS ACTUALLY DUE IN COMPARISON TO XXXX XXXX AND XXXX. 

THEY ALSO HAVE REPEATEDLY CONDUCTED THEIR OWN DISPUTES THAT I HAVE NO ACCESS TO. I GET AN EMAIL STATING THAT A DISPUTE HAS BEEN COMPLETED THEN WHEN I GOT TO THE LINK IN THE EMAIL TO VIEW THE RESULTS, NOTHING IS THERE.. 

I GOT TO TRY TO CHANGE MY PASSWORD AND IT SAYS I CANT. EQUIFAX IS NOT AT ALL A RELIABLE SOURCE FRO CREDIT REPORTING AND NOW I FEAR THAT SOMETHING OR SOMEONE HAS ONCE AGAIN GAINED ACCESS TO MY PRIVATE INFORMATION THRU EQUIFAX HACK. 

WHY AM I UNABLE TO ACCESS MY OWN ACCOUNT INFORMATION OR EVEN LOGIN TO THEIR SO CALLED MYEQUIFAX.COM ACCOUNT AND VEIW MY REPORT STATUS AND SEE WHERE THESE DISPUTES ARE EVEN COMING FROM. 

I HAVE HAD FILE SEVERAL COMPLAINTS ABOUT THESE CREDIT REPORTING AGENCIES AND ITS TIME SOMETHING BE DONE TO MAKE THEM PAY FOR THEIR HARM TO OUR CREDIT FILES. 

BELOW ARE SCREENSHOTS OF WHAT HAPPENS WHENEVER I TRY TO LOG IN TO MY ACCOUNT OR EVEN CHANGE THE PASSWORD, MEANWHILE MY SCORE DROPPED OVER 25 POINTS OVERNIGHT ON THE XXXX AFTER THIS SO CALLED DISPUTE RESOLUTION AND IT SAYS ITS BECAUSE MY CREDIT CARD BALANCE WENT UP {$48.00} ...? WHY IS MY SCORE SO LOW ON EQUIFAX COMPARED TO XXXX AND XXXX LITERALLY OVER 75 POINTS OR MORE LOWER,
Product: Debt collection

On XXXX XXXX XXXX reported a late or delinquent account on my credit report. 
The alert was reported by JPMCB Card Services. I do not have a JPMCB account and never did. This is not my account. Please correct this as this lowered my excellent credit score XXXX points!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act 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 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: Credit reporting or other personal consumer reports

Accounts that should be removed due to closed or have yeared out, negative etc.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent two letters for validation to Lvnv Funding LLC on an account posted to my credit report. First letter sent XX/XX/22 with NO response. Second letter sent on XX/XX/22 again NO response with validation. 

After no success with the collection company, I then sent two letters of validation to XXXX credit bureau to have the account validated. First letter sent XX/XX/22 No response. Sent a second letter XX/XX/22 NO response with validation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called XXXX/ExperianXXXX after I purchased a credit report with XXXX on XX/XX/XXXX. After receiving a copy of my report, I saw this UNVERIFIABLE item on my personal profile, I noticed that there was an Account on my credit report which are misleading to me. I sent a letter to the 3 credit bureaus I believe they have failed to authenticate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last COMPLAINT # and hoping that this XXXX XXXXXXXX Late payment XX/XX/XXXX 30 days late will be removed. 
XXXX XXXX XXXX Balance : {$32000.00}
Product: Money transfer, virtual currency, or money service

I was threated to pay for a transaction via Remitly to XXXX XXXX from my XXXX XXXX  account to the persons XXXX, it was a {$230.00} transaction made because they threatened me with my family. I protected information to register my account because I was forced, and I have never got a chance to read the user agreement myself. I found it out in XXXX online that it was a scam, and I contacted Remitly twice to ask for cancellation/reversal of this transaction ( the first time in XXXX on their website, the second time in XXXX via phone call ). I informed them of the situation and especially in the second time, they kept interrogating me and manipulating me into saying that I authorized the transaction myself, even though I have explicitly explained that the transaction is involuntary, made due to being threatened, just so that they dont have to be responsible for anything, per their user agreement. At the end of the phone call, the agent told me that they have successfully collected all the evidence from me so that they could contact my bank to turn down my refund request, without ever telling me anything about the scenario or any information, just endless interrogation with a forceful, threatening attitude. As a financial services company, rules to protect customers rights against scam should be set up. Even though some rules are set up that cancellation could be made if the fund is used for misappropriations, as it was said on their website ( XXXX XXXX XXXXXXXX, also attached to this ), Remitly refused to find a solution like contacting XXXX for a reversal, but trying to manipulate their customers into freeing them from any responsibility. I felt being extremely disrespected, UNPROTECTED, LIED upon, and fooled around as a customer by Remitly. And I INSIST for a resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed on my credit report medical bills that were placed on my files with XXXX, Experian, and XXXX that do not belong to me. I informed all XXXX credit bureaus of this mistake and completed XXXX attempts to have these inaccurate reportings removed from my credit file. My first attempt was submitted to all XXXX bureaus on XXXX/XXXX/XXXX. There were more than XXXX medical bills belonging to my XXXX XXXX XXXX that were put on my report in error and the majority of those collection files were removed but not all of them. So I submitted another written request to all XXXX bureaus to have the remaining collections medical bills that do not belong to me removed on XXXX/XXXX/XXXX and again additional medical bills were removed but not all. I submitted an additional and final request on XXXX/XXXX/XXXX to have the remaining inaccurate reporting medical bills belong to another individual removed from my credit file to no avail. All XXXX bureaus have not provided me with the proof of validity as requested on all XXXX occasions and now do not respond at all to my continuous pursuit to have these inaccurate items removed. I understand my rights under the Fair Credit Reporting Act and have remained patient while allowing the Credit Bureaus to complete their investigation. These items have not and can not be verified by the Credit Bureaus because they do not belong to me and I request that they are removed from my report as required by law. I have kept all my records of correspondence with each credit bureaus and will happily provide this documentation as needed.
Product: Vehicle loan or lease

Prior to the conclusion of my leased XXXX XXXX XXXX, I contacted Chase to obtain the buyout amount to purchase the car following the lease. 

The buyout payment was due on XX/XX/XXXX. I overnighted a check via USPS on XX/XX/XXXX and it was received by Chase on XX/XX/XXXX. 

While Chase deposited my check and Chase acknowledges that they received the check on time, they have yet to mail me the title and other documentation. Instead, I receive letters in the mail stating that my payment was short ( not true ), that my payment is late ( also not true ), and threatening repossession. Chase also referred my account to collections, who reported this on my credit report. 

I call Chase once a week. The representatives acknowledge the mistake and assure me that my title is " in process '' but no progress is ever made and I call back the following week. 

Please help!
Product: Student loan

NAVIENT between XX/XX/XXXX and XX/XX/XXXX placed me in forbearance for at least 36 months in violation of Federal rules even when my monthly payment under an IDR plan could have been as low as zero dollars. The Federal government through its Department of Education generally limits forbearance to 12 consecutive months or three years total after which payments should resume.