23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent out a letter multiple letters XX/XX/2022 for transunion to update my account with XXXX XXXX XXXX. Transunion is showing I have a delinquent payment with XXXX XXXX  and I do not they are inaccurate credit reporting and I would like it updated I do not have a late payment. I have tried multiple times with no response.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX credit card balance reported on credit creports. filed dispute with the big3. under unatherized use of credit reporting. all 10 items removed and reported back to credit report. disputed again. removed. then reported 3rd time as negitive XXXX, equifax, XXXX continue to report neg. items not belonging to me. have contacted crediter. no response. XXXX   stated they will not dispute said items again. XXXX states by law they do not have to dispute over 1 time. XXXX, equifax have locked me out of my account. this is my information i have a rght to view and dispute any and all information that is not correct. my family lives on the streets due to fake info on reports. turned down jobs, lack of homes due to the big 3 is not required or no laws inposted to make them do the job. 2017 equifax breech. info provided to me that my info was lost.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX an account was fraudulently opened with XXXX XXXX with a balance of {$770.00}. Equifax Credit Bureau Continues to violate my consumer rights by reporting XXXX XXXX on my credit report as a charge off. 

I have no knowledge of this account and I have continually disputed this account and Equifax fails to verify accuracy of this account. Equifax Credit Bureau continues to violate my consumer rights by reporting this account on my credit report. 

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

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. 

I looked at my Equifax credit report on XX/XX/XXXX 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 ( e ) ( b )
Product: Mortgage

I re-financed my home through a new lender. I made a payment on XX/XX/2022. a few days later my mortgage was paid off by the lender, This created an overpayment of {$800.00}. Now over a month later I received my overage back but Mr. Cooper/Nationstar Mortgage LLC . shorted me by {$130.00}. I want all of my money back from the overage, interest and penalties assessed to Mr. Cooper like they would have done to me. Further, they should be investigated for fraud and predatory practices. I have documentation.
Product: Debt collection

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated.

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail, or email in a fraudulent account.

This account is not mine and was opened using my personal identification without my consent. When any furnisher of information is notified pursuant to the procedures set forth in Section 605B that a debt has resulted from identity theft, the furnisher may not sell, transfer, or place for collection the debt except in certain limited circumstances. Section 615 ( f ). Ive never given this company permission to contact me which according to the FCRA is also against federal laws. I have asked numerous times for this company to stop furnishing false information to the CRAs and also for them to stop contacting me. My next step will be to file suit.

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below.

Your failure to positively verify has hurt my ability to obtain credit. Under the FCRA unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below. 
I demand that the following account ( s ) be verified or removed immediately : FIRST INV SERVICING CO Account Number : XXXX Charge Amount : {$0.00} Date Opened XXXX XXXX XXXX XXXX Reason For Dispute : Fraudulent Account, Account Not Mine, Unauthorized, Identity Theft
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the fair credit reporting act All items published on a consumer credit report have to be 100 % factual. XXXX acct # XXXX revealed that a proper and thorough investigation was completed. However after reviewing the info on my reports there are inaccuracies which are grounds for removal of this account from my report. Please see inaccuracies below. Account is still showing an outstanding balance. This is now a XXXX balance account since there was a settlement reached and it was paid in full for the discussed amount. Due to XXXX failure to update in a timely manner this account is to be removed completely from my reports.
Product: Credit reporting or other personal consumer reports

Iam writing to delete the following information in my file. The items I need deleted are listed in the report. Iam a victim of identity theft due to home robbery and did not make the charges. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commision, and I also enclosed copies of the Federal Trade Commission 's Identity theft affidavit. Please delete as soon as possible.
Product: Checking or savings account

On XX/XX/2022, {$2900.00} I was fraudulently induced to make a transfer of funds from my BofA checking account ending # XXXX, and transferred to an imposter, posing as my childhood friend, XXXX XXXX. The imposter/fraudster requested I use my BofA XXXX account app to send him funds for emergency life saving surgery for my friend 's wife. 

I called BofA Fraud Line as per their website, and was put into a holding que..15 minute expected wait. Then I ran over to nearest BofA branch and was told I had to call the Fraud Line and wait on hold until it was my turn. 

I believe the Bank could and should have stopped the fraudulent transfer ; that Bank was provided with all relevant information within a very short amount of time after it occurred ; that Bank was provided with the fraudster 's personal information, including the fraudster 's bank account at XXXX XXXX, the fraudster 's email used for the XXXX transfer, time and nature of the Fraud, etc. 

Bank said it recovered {$65.00} from Fraudster 's XXXX XXXX  and refused further reimbursement to me, saying it did nothing wrong. I have requested Bank to reimburse the {$2900.00} less the {$65.00} credited to my account. 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX at approximately XXXX  MST I submitted a dispute online with Experian for information that continues to show on my credit report. I tried several times to submit this by phone and their answering service refused to let me speak to an agent. I can not transfer you at this time. I received an update today ( XX/XX/XXXX ) at XXXX saying my dispute is closed and I can view my results. Nothing changed with any of the three accounts I disputed. I feel I gave sufficient information as to why the accounts should have been removed, despite the service only allowing me 120 characters.
Product: Credit card

On XX/XX/2023, I was denied a credit card with USAA. Title 15 subsection 1611, False and misleading denial of my own credit. I was sent a letter of my denial with unexplained and misinformation attached to the reasons for a denial.
Product: Credit reporting or other personal consumer reports

Capital XXXX is reporting information to XXXX, Transunion and XXXX that is not associated with my account. These fraudulent balances on my credit report has resulted in past due statuses inhibting my ability to access credit I am a victim of identity theft, and I can assure you this debt is not mine ; In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 this section states a credit issuer can not furnish an account without my written consent. This is misuse of my information and I am also requesting that original contract is provided.
Product: Credit reporting or other personal consumer reports

The following account was opened as a result of identity theft and this does not belong to me. This account was opened and used without my verifiable authorization ; incurring late fees. 

Account XXXX Account # XXXX In accordance with the Fair Credit Reporting Act. The List of accounts below have violated my federally protected consumer right to privacy and confidentiality under 15 USC 1681 Account Name : : XXXX Account # 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 15 U.S.C 1681c. ( a ) ( 5 ) Section states no consumer reporting agency may make any consumer report containing the following information items. 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: Consumer Loan

I purchased my new Truck in XXXX 2016. The dealer said I could n't pay cash and I had to finance it for at least 3 payments. When I got my first statement from Chrysler Capital the principal was {$29000.00} and payoff was $ XXXX.I sent a cashiers check on XXXX XXXX, 2016 for the {$30000.00}. They sent me another " bill '' for {$97.00} for more interest. On XXXX XXXX, 2016 I sent another check for {$97.00}. Now they said they did n't receive it. I sent it certified mail and the tracking mail showed it was delivered XXXX XXXX, 2016 at XXXX and checking with my bank for a copy of the check showed it was deposited XXXX XXXX, 2016. They are still sending me a bill for the {$97.00} plus {$2.00} interest. Meanwhile ( XXXX XXXX I assume / Chrysler Capital sent me a prepaid debit card for {$97.00} for over payment for my loan. I 've called at least 4 times and get a different answer each time and I still have n't received the Pink Slip title. I think from XXXX, 2016 to XXXX, XXXX, 2016 is plenty of time for them to get things settled. 
Thank You
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report. 

Dear CFPB, I am submitting this formal dispute regarding inaccurate information on late payments reported on my credit file maintained by Equifax for the account XXXX with XXXXXXXX XXXX XXXXXXXX. Despite sending previous requests for correction ( letters dated XX/XX/XXXXXXXX  and XX/XX/XXXX ), no action has been taken, which violates both the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
FCRA Non-Compliance Under 15 U.S. Code 1666b, creditors are obligated to provide periodic statements at least 21 days before a payment 's due date. The erroneous reporting of late payments on this account indicates a failure to adhere to this requirement. Furthermore, 15 U.S. Code 1681i compels credit reporting agencies to ensure the accuracy of information in consumer records, which has not been upheld in this case. 
TILA Non-Compliance The Truth in Lending Act ( TILA ) stresses the importance of providing accurate and timely disclosures to consumers. The incorrect late payment reporting has unfairly damaged my credit score, thereby breaching this obligation. 
Protection Against Non-Payment of Obligations Act ( PAANL ) This act also mandates that creditors issue timely statements to avoid unjust penalties to consumers. The late payment reporting discrepancies on my account suggest a failure to meet this responsibility, resulting in unfair damage to my credit. 
Discrepancies in Payment Reporting For the account with XXXX XXXX XXXXXXXX, the following discrepancies have been observed across the credit bureaus : Equifax : The account incorrectly reflects a 30-day late payment in XX/XX/XXXX, a 60-day late payment in XX/XX/XXXX, and a 90-day late payment in XX/XX/XXXX. These are inaccurate since the payments were made on time, and the account was fully managed through autopay. 
Recurring Errors The persistent incorrect reporting of late payments across XXXX, XXXX, and Equifax reflects a pattern of inaccuracies. These late payments have been wrongly reported even though my payments were made on time and the account was on autopay. 
Request for Immediate Resolution I request that these inaccuracies be promptly corrected and that the incorrect late payment notations be removed from my credit report. The information should be updated to reflect my actual payment history, which is 100 % on-time. If this issue is not addressed within 30 days, I will pursue further action, including legal steps and filing additional complaints with regulatory agencies to safeguard my rights as a consumer. 
Thank you for your swift attention to this matter. I look forward to receiving written confirmation of the resolution. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My ONLY NAME AND ADDRESS ARE : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Maryland XXXX MY ONLY JOB IS : XXXX XXXX PLEASE DELETE ALL OTHER ADDRESSES AND JOBS AS THEY DO NOT BELONG TO ME. 

I HAVE ASKED NUMEROUS TIMES TO NO RESOLVE.
Product: Credit card or prepaid card

Amex platinum delta credit card has a refer a friend program where if you refer someone and they get approved, you are entitled to receive XXXX  bonus miles. Back in the first week of XX/XX/XXXX ( Amex has the exact date ) i referred my wife by sending her the link provided from americanexpress.com in the email. She clicked on the link and applied for the card, she was approved right away. Couple of days went by and i did not see the referral miles show up in my account. I called Amex and they said it takes about 6 to 8 weeks. I called multiple times after a few weeks and then was told the same story. After a while, i decided to open up a complaint with Amex about this issue and escalate it. They opened the complaint ( Amex has the exact date ). Ever since then i have been calling Amex and they are saying that they are still reviewing, It has been since XX/XX/XXXX that i have been calling Amex and they have not issued what i am entitled for. To everyone who is reading this, i have been a member of Amex since XX/XX/XXXX and i urge you to stop your business with Amex as at this point they are in the very shady business.
Product: Payday loan, title loan, or personal loan

When XXXX XXXX tried to debt my acct on the wrong day causing an Insufficient Funds overdraft and then they tried again and another overdraft. I did not have funds available at the time they tried to withdrawn funds. With that amount in overdraft fees {$60.00} I called XXXX XXXX to try to make payment Arrangement and while I was trying to set up payment plan XXXX XXXX sold the debt to Ad Astra Recovery Service Inc. Ad Astra upon acquiring this debt from XXXX XXXX to which I had no Knowledge until I again was hit with Overdraft fees by my financial institute {$45.00}. I called Ad Astra and they informed me they Purchased this from XXXX XXXX and I was now indebt to them and I must pay the full amount or they will take legal action. With all the errors and overdrafts I can not even make a payment. These extra charges/fee has taken me from my fixed income budget and has put me a very serious financial situation. I can not make my Mortgage Payments any longer. I am XXXX and this has caused great hardship.
Product: Prepaid card

My card was used without my permission. It was stolen from the hotel I was at. I reported the charges and cancelled my card. They refused to reverse the charges... I have never had this issue with Chime since being with them 11 years... now there is a problem. 
I, also, chose to use their 16 % cashback deal at XXXX. It states it was expired when used. This is a lie. I was right in the parking lot.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a formal complaint that you are reporting inaccurate and incomplete credit information.

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. 

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below. 

I demand that the following account be verified or removed immediately : XXXX XXXX XXXX Removal of late payments. 

XXXX  XXXX Removal of late payments or removal of the account. 

XXXX XXXX XXXX XXXX Removal of Account Entirely In addition, please remove all non-account holding inquries over 30 days old. Also, please add a promotional suppression to my credit file.

Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/XXXX, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : XXXX XXXX - XXXX XXXX  - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Checking or savings account

360 savings account wasnt paying interest, like rates implied. Also in addition to that nsf fee was charged countless times and is unreimbursable
Product: Credit card

My name is XXXX XXXX 2 business credit cards, XXXX XXXX XXXX Please reopen to resolve the disputes. I called Chase regarding disputes and frauds on two credit card charges : XXXX  with a charge of {$12000.00} dollars on {$8.00} XXXX XXXX, and anotherXXXX, with a charge of XXXX dollars on XXXX XXXX XXXX Despite multiple calls, Chase assured me they would resolve these issues related to XXXX XXXX and advised me not to make payments until the matter was settled. 

I waited for updates from Chase Dispute, expecting a call, email, or text message, as they had indicated, but I did not receive any communication. Now, I am facing late fees, and my disputes have been closed without any notice, even though Chase previously stated they would inform me. 

This experience goes against fair credit card practices, especially given Chases promotional promises. Their approach seems to involve high-interest rates while failing to address valid disputes. I request an immediate review of my case and the removal of all late fees due to this oversight. 
They did not explain the details list and made errors to charge. I emailed and phone called them to canceled after they made errors to make me stressful. Please clarify and resolve these disputes. I am confused as to these disputes ere closed without any notice to me. I assumed the dispute for credit cards number ending in XXXX and XXXX were resolved, as the card has been declined and unusable. I did not receive any credit card statements by mail. Yesterday, XXXXXXXX XXXX XXXX a representative from Chase Dispute Department advised me to go to a Chase Branch to reopen my dispute. I visited the Chase Branch, but the staff there questioned why I had been directed to do so, as it seemed like misinformation. Please address this matter as it's important for accurate guidance to be provided to customers.
Product: Debt collection

JPMCB Card is reporting an inaccurate charged off account on my credit reports that I am not familiar with. I have contacted them directly including the credit bureaus concerning this account requesting documents pertaining this account and have not received any sufficient proof proving that this is my account or that this debt belongs to me. 

JPMCB Card sent me back statements concerning this account in response to my letter requesting validation of debt which does not prove that this account is mine or belongs to me. A statement is not proof of debt. I have not received any documents with contract legally binding me to this debt. 

Furthermore, isn't JPMCB Card the creditor that the credit bureaus reach out to confirm or validate the debt? XXXX deleted this account from my reports so according to them, there isn't valid proof this account is mine. If XXXX could not validate this debt how is JPMCB Card able to validate this account? 

I am demanding that this account is deleted from my reports.