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

I am writing to request an update on the personal information on my credit report. Upon reviewing my credit report, I have noticed that certain information is outdated or inaccurate. I would appreciate your assistance in correcting the following details : Under the FCRA, consumers can dispute inaccurate or incomplete information on their credit reports with the credit reporting agencies ( XXXX, XXXX, and TransUnion ). The agencies are then required to investigate the disputed items and remove or correct any inaccuracies within a reasonable amount of time, typically within 30 days.

The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( CRAs ).

The Fair Credit Reporting Act ( FCRA ), Public Law No. 91-508, was enacted in 1970 to promote accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( CRAs ).

Section 623 ( a ) ( 6 ). If a furnisher learns that it has furnished inaccurate information due to identity theft, it must notify each consumer reporting agency of the correct information and must thereafter report only complete and accurate information.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act : XXXX - Acct # XXXX XXXX XXXX - Acct # XXXX XXXX XXXX - Acct # XXXX XXXX - Acct # XXXX XXXX Bank - Acct XXXX XXXX XXXX XXXX - Acct XXXX XXXX XXXX XXXX - Acct # 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 an account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital One Bank have a hard Inquiry on my credit report. 
It states : The Institution Information, No contact information has been reported by this creditor.
Product: Credit reporting or other personal consumer reports

I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - The following inquiries were not authorized and should not be reporting. 

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.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. 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 ) ( a ) 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

After a previous CFPB complaint and several phone calls over the last 30 days, to remove accounts, they were put into DISPUTE. I never consented to that. Equifax is in violation of their own Data Sharing Policy and refuse to send a copy of my consent that they claim to have. 

I have informed them of these violations and get hung up on by supervisors. 

15 USC 1681 a ( 3 ) did not have my consent or permission. 
15 USC 1681 a ( 4 ) did not excercise your grave responsibility, were unfair, and partial. 
15 USC 1681 b ( 2 ) no permissable purpose
Product: Checking or savings account

Last month I had a check with my bank 's ( J P Morgan/Chase ) routing number ( common ) but with my bank ACCOUNT number for {$1000.00} cashed at a XXXX XXXX bank under another bank 's name, in another part of the state. I had to close my account, had a meeting at the bank, was refunded the check amount, and kept the same debit cards because the representative relayed it was not connected to either mine or my husband 's card. Today ( XX/XX/2020 ) I found yet another check was cashed on XX/XX/2020 with my account number on the bottom of a XXXX XXXX XXXX XXXX draft ( again in another part of the state-XXXX ), this time for {$620.00} on the newly assigned account ; to someone I don't know- written by someone I don't know. Once again the check was cashed at a XXXX XXXX XXXX ; which makes me wonder if it's an insider fraud. The minute the check is scanned, wouldn't that account & routing number show a different bank? Anyway, J P Morgan Chase was again notified of this> but now since it happened twice in 4-6 weeks, my retired husband and I have to have a full background check ( which is no bother ) to make sure we aren't the culprits. Why haven't these 2 events been immediately reported to the regulatory agencies and/or the FDIC?
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and I noticed I had a fraudulent account on my credit report. Please remove this account as it has hurt my ability to obtain new credit.
Product: Vehicle loan or lease

My car caught on fire and was total loss. The warranty/ Gap protection plan the dealership made me get did not cover for the loss. I argued with credit acceptance and they still want me to pay for the remainder of the loan. The original price of car was about XXXX and dealer charged me about XXXX for the loan.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX XXXX XXXXXXXX - DATE OPENED XX/XX/2021
Product: Checking or savings account

I disputed a charge on my account in ref to a simply business and provided police report and the bank is refusing to replace my money with I'm on XXXX and do not work as a consumer I was under the impression that the bank responsibility is to protect my funds
Product: Student loan

I would consider this a predatory loan. To begin, the loan was taken out without my permission by my mother. I had already written in about how I dont believe in the validity of the loan, but it was denied because they say she was my guardian at the time. So after that being that Im an adult I finally tried to rectify this loan and its just been absolutely ridiculous and more or less impossible to pay off. The loan has been subjected to absurd amounts of interest. More than {$10000.00} has been paid on the loan through payments and through garnishment of my tax refunds two years in a row which caused me to be in a situation where I owe tax money to the state since it was offset. Even with all the money paid theyre saying I owe practically the same amount that I started with and when I ask how thats possible they say theyre charging interest daily even when I was making regular payments and in good standing. This morning Navient decided to hit my credit report with 7 late remarks causing me to drop 160 points, to a credit score so low that Ive never even been there before. I consolidated my loans last year with the loan rehab program so theres no reason I should have 7 remarks it should be one. These people are predatory lenders and clearly other states agree and I see that Navient are currently dealing multiple lawsuits because of their vicious ways.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are accounts under my name that is a result of Identity Theft. I have already files the proper documentation for these and have sent it to the bureaus but they did not remove them. Please see attached documents for these accounts I am complaining.
Product: Mortgage

Shellpoint Mortgage Servicing took over my mortgage from XXXX XXXX XXXX at the beginning of the year XXXX have had several banks service my mortgage although I never instigated it. Shellpoint insists that my mortgage has been 1 month late since XXXX. Although I have made every payment with only 2 late charges since XXXX they insist I am one month behind for the amount of {$3800.00}. The other banks never mentioned this. I received my loan history report [ enclosed ] and discovered where / when / why the problem started. I emailed Shellpoint a letter explaining everything in detail [ enclosed ]. I just received a letter from them explaining that they had made up there mind and will not open my complaint again. It is a very clear but Shellpoint refuses to admit their mistake. They call me every day on both my cell and home phone and they send me foreclosure letters.They want me to pay the amount and if they are found wrong they will give it back to me. Please read the attached emails .. I spent alot of time putting this together. Thank You
Product: Credit reporting, credit repair services, or other personal consumer reports

I did NOT authorize these inquiries, these companies DID NOT have a permissable purpose, and I DID NOT sign any applications, I have also ADDED a fraud alert to my credit reports! 

XXXX XXXX XX/XX/2018, XXXX XXXX XX/XX/2018, XXXX XXXX XX/XX/2018, XXXX XXXX XXXX XX/XX/2018, XXXX XXXX XXXX XXXX XX/XX/2018, XXXX XXXX XXXX XX/XX/2018, XXXX XXXX XXXX XX/XX/2018,  XXXX XXXX  XX/XX/2018, XXXX XXXX XXXX XX/XX/2018,  XXXX XX/XX/2018,
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an unknown hard inquiry from " Jpmcb Card '' ( aka Chase Bank ). I've contacted XXXX  last month on late XXXX to file a dispute and never heard back from them. I've recently contacted XXXX again on Tuesday XX/XX/2021 to follow up on the dispute. 

XXXX  stated they have submitted the request of deletion to the creditor " Jpmcb Card '' but they did not act on the request. I was referred and recommended to contact the FTC and to file a police report. I received the creditors information from XXXX  and will be contacting them tomorrow on XX/XX/2021. 



The contact information for the creditor " Jpmcb Card '' I'd received from XXXX  is : XXXX XXXX XXXX XXXX. 

Thank You for your help and time.
Product: Payday loan

They denied me the ability to pay the loan off. Very rude and unprofessional. They want me to keep paying this loan every payday. I need assistance with this please.
Product: Vehicle loan or lease

I went in to XXXX  XXXX in XXXX Ny thought I was leasing a car for XXXX according to the sticker price. They said in the paperwork the cars agreed upon value is XXXX. We never negotiated the price according to XXXX and XXXX we were talking about the sticker price. No listing of what increased the cars value. Company name is XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I received an letter in the mail that I am being sued in court for a wage garnishment on a credit card that is over ten years old. My employer has also received a letter as well. This is very upsetting, and humiliating for me at work. I called Portfolio Recovery on XX/XX/23 and spoke with an XXXX and she said there is nothing anyone can do about this but to let the wage garnishment work it's course. I make {$15.00} dollars an hour and barely make it as it is. So I called again the next day XX/XX/23 and spoke with a XXXX not sure how to spell it but that is exactly how she pronounced her name. I explained to her I received this letter that I was being taken to court to sue for wage garnishment, and she also said the same thing that XXXX told me the day before, I have to let the wage garnishment take it's course? I am not sure what to do now, because I make barely enough to get by, and Portfolio Recovery after all these years is going to garnish my wages? Is there a way to halt this due to statue of limitations?
Product: Debt collection

Wise loans Sold my debt to XXXX XXXX in New York. They have been calling me and family members about serving me with a judgement if I dont pay them over XXXX. They have my current address and refuse to mail me any correspondence. They also wont give me their address. They said they will serve me with courts. They are also calling family members and friends from a number that cant be called back. Harassing messages are being left. XXXX number is ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently disputed this account due to inaccuracy and it was REMOVED from XXXX, XXXX, and Transunion. 

The account just reappeared on my credit reports, which now its reporting 90 days of late payments, when the account has been CLOSED prior to XX/XX/2021. 

How does a CLOSED account report late payments? The account is not OPEN, which continues to make this INACCURATE reporting violating the FAIR CREDIT REPORTING ACT. 

This account continues to report inaccurately and MUST be REMOVED from my credit report immediately.
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  XXXX Account Name : XXXX XXXX  XXXX # XXXX 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: Checking or savings account

Signed up with Affirm because they advertised their 4.37 % interest rate with their savings account. Seemed easy and trustworthy as they are used on a lot of popular websites such as XXXX and XXXX. 

Transferred XXXX  XXXX ( meant to try {$8.00} ) ; Affirm customer service said they could not assist. Then escalated but they never reached back out within the timeframe provided ( XXXX hours ). 

Now, the funds have cleared in Affirms savings account but can not transfer due to a random freeze which none of the companys agents have access to, allegedly. I requested for my routing and account number so I can attempt a withdrawal but they refused. 
Affirm shows Available Balance : {$8000.00}. 
My credit union recommended I reach out again but I already have and it seems to be common -via Reddit forum.

I understand Affirms savings accounts are held by XXXX XXXX XXXX  : They are a New Jersey State Chartered Commercial Bank, Member FDIC.
Product: Credit reporting or other personal consumer reports

I looked at my credit report on XX/XX/2024 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 who the report relates, XXXX. ) XXXX XXXX XXXX ( Open date is not reporting correctly, date last active, date of last payment is not correct, this account is not accurate ). Also there is several unauthorized addresses... I sent a letter on XX/XX/2024 asking them to Reinvestigate the completeness and accuracy of the accounts listed but Equifax is making it hard for me to submit my dispute they keep saying I sound like a credit repair company or ask for more identification Can you look into this problem.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information 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 accounts as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX Date opened XX/XX/2020 Balance : {$4600.00}
Product: Credit reporting or other personal consumer reports

XXXX XXXX Experian and XXXX have violated my consumer rights, and I have provided proof multiple times. But unfortunately, these companies believe themselves to be higher than the law itself. 

Who is going to govern these agencies? 

By 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. 

XXXX - XXXX - Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the accordance with the written instructions of the consumer to whom it relates- THIS ACCOUNT IS INACCURATE, I DID NOT INCUR ANY LATE PAYMENTS. PLEASE UPDATE TO PAID ON TIME XXXX - XXXX - FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms. This agent is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. I DO NOT VALIDATE THIS DEBT - Please verify by providing my color copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY. 

XXXX - XXXX - Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the accordance with the written instructions of the consumer to whom it relates- THIS ACCOUNT IS INACCURATE, I DID NOT INCUR ANY LATE PAYMENTS. PLEASE UPDATE TO PAID ON TIME XXXX  - XXXX - FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms. This agent is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. I DO NOT VALIDATE THIS DEBT - Please verify by providing my color copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY. 

XXXX XXXX - XX/XX/year> - THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2- This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

XXXX XXXX, Experian, and XXXX have 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 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. 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 data is inaccurate.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account.This account is hurting my ability to obtain credit.It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accruate. 
Transunion : XXXX Account : XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXXXXXX, 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 an account without my written instructions.

15 U.S.C 1681 section 602 A. States I have the right to privacy.
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX XXXX XXXX XXXXXXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Product: Debt collection

I was sued in Virginia for a debt that has passed the statue of Limitations in the state I live in which Is North Carolina. I never received any notice of a pending lawsuit until after it had went to court in Virginia. I then started getting garishment notices from a woman i was dating in Virginia. I have consulted with a lawyer but can't afford to hire one as i am on social security XXXX i was informed it not legal to sue someone in a state where they don't live. My legal address is XXXX North Varolina.They are trying to get around the statue of limitation by sueing me in Virginia when they know my residence is North Carolina.Any help you can give me is greatly appreciated