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

I send letters to Credit Bureaus for months and I don't seem to get anywhere! They refused to reverse the late payments. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. CFPB please step up and fix this ASAP
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent account in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. I've talked to the bank & they've agreed to remove the accounts. BUT TransUnion has some internal block which they're claiming they can use to not remove the accounts because they feel they're above the law. When questioned why they're not accepting the Identity Theft report they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the Identity Theft report ( which is a FEDERAL LAW ). So TransUnion feels they're above the letter of the law & will not explain their policy... Here is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXX XXXX  XXXX Date Opened XX/XX/XXXX Balance {$0.00} XXXX XXXXXXXX XXXX XXXX Date opened XX/XX/XXXX Balance : {$20000.00}
Product: Debt collection

This debt is reported as collection, which I believe is inaccurate. According to the CARES Act, my payments were covered under specific protections due to financial hardship caused by COVID-19.
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 to be 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 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
Product: Mortgage

Chase is discriminatory in their lending practice. It is very distasteful that they treat United States XXXX XXXX Veteran Service Members in this matter for property purchased while on XXXX XXXX. 

For over 6 months I have tried to process an assumption loan. Chase mortgage denied my assumption package although I qualified for all of the requirements of XXXX. 

I provided Chase with every piece of information requested and the criteria for information changed or contradicted their preceding request for information. This will be my 5th complaint on the matter. 

My denial stated I had insufficient funds. ( XXXX XXXX ) After an inquiry back to Chase in XXXX XXXX thru the CFPB. I was told that the new reason my file was denied was because my documentation was too old and I did have sufficient assets. 

The recent bank statements that were provide ended the period XXXX XXXX and were submitted to Chase on XXXX XXXX XXXX. I can not provide a XXXX bank statement if the month had not ended. Furthermore, all of the reserve requirements were met at my initial application in XXXX XXXX when 1 year of bank statements, IRA, and investment account balances were presented. The additional bank statements requested and provided on XXXX XXXX were of the same account or greater when provided in XXXX XXXX. 

Chase held onto my documentation for over six months and then told me what I provided was inadequate, even with providing documentation for the prior month. 

All of the calls at Chase are recorded, so you can hear what instructions were given to me. I have spoken to the same representative from Chase, XXXX XXXX, where he told me what to provide. The final piece of proof I was told to provide additional proof of funds. And I did that. 

Now the reason for my denial has changed from insufficient assets to inadequate documents. I do n't understand how the same documents that demonstrated adequacy of funds are now not adequate.
Product: Credit card

I received a CashApp debit card on XX/XX/year> that I did not request. I contacted CashApp to close the fraudulent account. They asked that I send it pictures of the fraudulent card to fully cancel the card. They are currently working with their fraud team to shut down the fraudulent account set up in my name with my identity without my knowledge.
Product: Credit reporting, credit repair services, or other personal consumer reports

there is inacurrate information on my credit report. This company has not resolved the issue and is not in compliance with fcra laws
Product: Debt collection

XXXX XXXX contacted my brother on XX/XX/XXXX by phone and text regarding an old debt of mine that was discharged in bankruptcy in XXXX. I have tried contacting them to notify them that the debt was discharged -- but I keep getting automated texts and no acknowledgment of the debt being discharged in a previous bankruptcy.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX Phone : XXXX ( XXXX ) XXXX Date : XX/XX/XXXX XXXX Department TransUnion Consumer Solutions XXXX XXXX XXXX XXXX, PA XXXX Subject : Dispute of Charge-Off Entry on My Credit Report Dear TransUnion Dispute Department : I am writing to formally dispute a charge-off entry that appears on my credit report. According to 15 U.S.C. 1681i of the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any inaccurate or incomplete information on my credit report. If the information can not be verified within a reasonable time frame, it must be removed.

The charge-off in question does not accurately reflect my credit history or the status of the account. I am requesting that you investigate and, if necessary, remove this charge-off entry from my credit report unless proper verification is provided.

Under 15 U.S.C. 1681i, credit reporting agencies are required to investigate any disputed information within 30 days and to provide written confirmation of the results of the investigation. If the information is found to be inaccurate or incomplete, it must be corrected or removed. The presence of this charge-off on my credit report is damaging to my creditworthiness and violates my rights under federal law. 

Please investigate this matter and remove the charge-off entry from my credit report if it can not be properly verified. I request a written confirmation once the investigation has been completed and the necessary corrections have been made. 

Thank you for your prompt attention to this matter. Please do not hesitate to contact me if you require any additional information. 

Sincerely, XXXX XXXX XXXX 15 U.S.C. 1681i Procedure in Case of Disputed Accuracy This section of the Fair Credit Reporting Act ( FCRA ) outlines the procedures for disputing inaccurate information on a credit report. It states : When a consumer disputes information on their credit report, the credit reporting agency must investigate the dispute within 30 days. 
The agency must promptly notify the consumer of the results of the investigation. 
If the information is found to be inaccurate or incomplete, it must be corrected or removed from the consumers report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, OH XXXX SS XXXX DOB XX/XX/XXXX I would like my credit profile to be reviewed because I had some issues over fraudulent addresses and information on my credit report! I was out for medical leave from the U.S. XXXX and someone was using my ID for credit and loans. Please delete the following addresses they are not accurate : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, SC XXXX XXXX XXXX XXXX XXXX, XXXX, AE XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, KY XXXX XXXX XXXX XXXX   XXXX, XXXX XXXX, GA XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, KY XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX A XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, AE XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not block the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law Please remove/block the following accounts as they are fraudulent & were opened without my consent or knowledge XXXX XXXX XXXX XXXX XXXX OPENED XX/XX/XXXX BALANCE {$8300.00}, CHILD SUPPORT ENFORCEM XXXX DATE OPENED XX/XX/XXXX BALANCE {$1100.00}, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX BALANCE {$1300.00}, XXXX  XXXX XXXX  XXXX DATE OPENED XXXX XXXX, XXXX BALANCE {$1100.00}, XXXX XXXX XXXX DATE OPENED XX/XX/XXXX BALANCE {$680.00}, and XXXX XXXX XXXX XXXX ( Original creditor : XXXX XXXX ) XXXX DATE OPENED XXXX XXXX, XXXX BALANCE {$0.00}. 

If you claim these accounts are 100 % accurate and verifiable then I need you to provide me with copies of any documentation associated with this account which bears my signature, as I know none exists. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number.
Product: Credit card

I had an XXXX Credit Card for XXXX years and never had any issues with ituntil they abruptly decided to restrict my usage without providing a reason. I discovered this when attempting to pay for a purchase at the supermarket. As a result, I decided to cancel the card. 

Goldman Sachs only provides transaction records through the XXXX XXXX. I have never received a single statement from them. Before closing the account, I was assured that I would still have access to my transactions via XXXX XXXX and that they would mail me all XXXX years of statements. I informed them that my small town does not have a mailman and that we only receive mail via XXXX XXXX XXXX. Despite this, they stated they do not send mail to XXXX XXXX XXXX. Instead, they sent all my data, statements, and sensitive information by standard mail, which likely ended up who knows where! 

They failed to send the package via certified mail, which could have ensured delivery regardless of the XXXX XXXX XXXX. As a result, they effectively handed my sensitive data to anyone who handled that package. 

I contacted them to report that I had not received my statements and requested they resend them via certified mail, XXXX, XXXX, or XXXX to ensure proper delivery. However, they ignored my request and continued to focus on the XXXX XXXX XXXX, refusing to accommodate my situation. To this day, I have not received the statements I need for my taxes! 

Goldman Sachs and their Apple Card support team have mishandled my personal data, potentially exposing it to abuse, while refusing to provide me with my own financial records.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not consent to this UNFAIR and INACCURATE information to be reported to MY consumer report. Please remove! Pursuant to 15 usc 1681B ( a ) ( 2 ). Report must be in accordance with Consumer
Product: Credit reporting, credit repair services, or other personal consumer reports

I have things on the that I have disputed were from identity theft but have not been taken off.it is effecting my credit from improving. My identity was stolen off XXXX and XXXX refuses to remove it. Ive had to reple my phone & phone number such a mess!
Product: Credit reporting or other personal consumer reports

The inaccuracies in these late payment entries are negatively impacting my ability to obtain the necessary credit, as they are substantially reducing my credit score. Professionals whom I consulted have confirmed the existence of legal safeguards designed to prevent the dissemination of erroneous credit information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently traded my vehicle in back in XX/XX/XXXX. At the time i had a fraud alert on my equifax report and they could not pull my credit at the dealership. I contacted Equifax customer care and the freeze was removed. I was still having some issues with the dealership pulling up the report so i was told to allow 24 hours and they will be able to pull my report. I waiting it out and went back to the dealership the next day and it was still not able to be retrieved, we reached out to equifax several times and every rep stated they see no freeze or fraud alert and everything is ok. My dealership was able to get me financed with this issue still in play. So now i notice when i check my credit report, my equifax score is not updating. The score is still on XX/XX/XXXX. Also my new car is not on my equifax report, but they are on my XXXX and XXXX. My recent car payments has really made a change in those scores and are exceeding the score that is showing with Equifax. You can see the Car inquiry from the car dealership on XX/XX/XXXX but my car is not on the report. Its hard to get through to equifax and its hard to get a representative that understands. I have not had any issues with XXXX or XXXX, My scores are going up thank God to my payment history and i see them change on a regular bases. But not my Equifax. I notice a lot of companies now are using the Equifax score to approve you and i really need help to resolve what is going on them and my credit profile. I login into my Equifax profile on equifax.com and it still on the same information from XX/XX/XXXX. No current report as if i dont have credit. Im not sure what is going on. I am trying to get my credit up so that i can possibly soon purchase a home and other goals i have and i dont want this to have an impact on me getting approved. I have attached my XXXX XXXX view of my equifax and my actual equifax.com view of my credit profile. You can see On XX/XX/XXXX. My credit profile and information was there. And look at the one with todays date XX/XX/XXXX, it shows not personal information or credit profile. Please Help.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the 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 a personal credit card account XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXXXXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX Account Number : XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. 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 as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud
Product: Checking or savings account

XXXX at XXXX and XXXX XXXX  XXXX were my XXXX and XXXX attempts to open an online savings account. I received an error message of XXXX. When I called XXXX XXXX  to ask for help, XXXX answered. She told me this meant my application was hard rejected and no human there could override itXXXX XXXX XXXX will not open an account with me and really won't tell me a good reason why. It feels like they are either advertising a product they really don't sell ( marketplace deception ) or XXXX of some sort. Seems like a regulator needs to look into these business practices. Thank you.
Product: Credit reporting

I have been disputing incorrect information on my credit report. XXXX is especially one account that is reporting that should be deleted. Today I attempted again for the 3rd time to access my experian credit report online using report # XXXX. Again I was directed to link that they are unable to allow me to view my report. It states if I have a dispute I can write them or call experian again. Experian is not doing a proper investigation on the XXXX item I am disputing they just keep responding that is it updated. I am furious at this point because I have paid this company in full 3 years ago and I should not be reporting as a XXXX balance but then marked as a charge off to a bad debt. I am trying to fix these wrong items that are reporting as it is affecting my credit score but I ca n't even view my credit report online through experian even with a report number. I am not calling them again because I am always told the same thing plus I have to wait on hold to even speak to a rep. I am very close in obtaining legal advise and suing experian for reporting false and wrong information on my report. I am submitting this complaint XXXX last time in hopes that they ( experian ) will delete this account. I was also told from an experian rep awhile ago that XXXX did not respond from my last dispute and it would be deleted being they did not respond. I explained that they will not respond because they are no longer in business so this should have been deleted months ago. I should have had this account even charged off to a bad debt to begin with because they were paid in full. No wonder they are out of business they are very dishonest. I am submitting this complaint in hopes that I will get an updated credit report.
Product: Credit reporting or other personal consumer reports

EQUIFAX and XXXX is obligated by the FCRA to report accurate accounting. Consumer has advised ALL the inquires reported was fraud. Said company had four business days according to LAW to remove such items. FTC fraud report was filed on behalf of consumer, consumer is now requesting EQUIFAX AND XXXX to provide the documentation used to determine inquiry was indeed authorized by the consumer, EQUFAX AND XXXX has 15 days to provide me with the name of the person spoken to, documentation used, signed application with consumer wet ink signture. consumer is Not asking for an e-oscar report. If EQUIFAX AND XXXX does not have documentation to show these were in fact authorized it must be removed asap. SAID company is liable under the SEC to follow certain rules. EQUIFAX Commission file number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX New York XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX New York XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX, New York XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Georgia XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX North Carolina XXXX I will be filing form 211 treasury omb forms to audit consumers account. 
EQUIFAX is securitizing consumers data yet refuse to provide consumer a copy of their CONSUMER FILE NOT CONSUMER REPORT. 

***PER THE FCRA, AS A FEDERALLY PROTECTED CONSUMER, I AM NOW OPTING OUT OF ANY AND ALL AUTHORIZATION, I THE CONSUMER MAY HAVE GIVEN YOU WRITTEN, UNWRITTEN VERBAL AND NON-VERBAL PER 15 USC 6802 EFFECTIVE IMMEDIATELY
Product: Bank account or service

We have filed claim number XXXX on or about XX/XX/2016 never receiving email containing claim number, details and or affidavit. Requesting refunds of Charges to XXXX for deceptive, abusive, hostile - unsafe conditions including XXXX attack and lock out. 

The attacks were experienced at the XXXX location were actually fueled by Chase 's unfair and discriminate practices of over drawing from my account. Clear violations of Fair Debt Collection Practices Act and liable for willful noncompliance of banking regulations. 
Once the charge was made from XXXX the funds were withdrawn from my account as an authorization. The host would complain within XXXX hours stating she receives her payment from caucasian customers overnight and ours take XXXX days or more ... .. '' Why is that?! '' XXXX days or so later Chase would reconcile our account by moving around deposits and payments and charge our account again for the XXXX reservation. 

This went on for awhile until the host lost it and threw our property outside in the rain and locked us out of the unit due to so-called non payment while charges had been withdrawn from my account. The host retaliated further by keeping our expensive property and groceries. We were forced to call the police to regain access to our possessions. During this hellacious event we suffered damages/loss over several XXXX dollars. Including being attacked personally and professionally on social media to the point that we can not use XXXX platform anymore. 
We filed a complaint with XXXX, to no avail .... they were actually on the phone with us as we called the police. We have filed claim with Chase requesting refunds. The first claim was refunded and then reversed without notice. Each time we contact them to complete the claim Chase gives us another stall tactic claiming the claim is incomplete ... .missing notes from the first claim. They would of called but my phone number was n't listed on the second claim that has the same claim number. 
When we ask for the notes of both claims to compare and identify what is missing Chase stalls and denies us access stating, " its internal information only. '' We believe Chase is acting in bad faith knowingly and intentionally stonewalling our request for credits and closure in this matter. We are currently over {$2000.00} XXXX XXXX XXXX ) overdrawn and out of over {$800.00} XXXX XXXX XXXX ) in wages, causing a financial hardship.
Product: Credit reporting or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these accounts ( A ). It is unacceptable to list these accounts as information without verifying them within the legally mandated time frame. I require an investigation, and deleteion of the following erroneous accounts on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX