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

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX, EQUIFAX AND XXXX CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$9800.00} XXXX XXXX XXXX XXXX Balance : {$840.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$5400.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$490.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$110.00} XXXX XXXX XXXX Balance : {$490.00} XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX  XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX  XX/XX/2022.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion along with the help of XXXX XXXX has improperly reported information on my credit report for years and broke the law. They have admitted this to me in writing and I demand remedy from XXXX  for the improper use and damages. I have attached a affidavit of truth, invoice, legal notice and the exhibit proving these proof and admission, and the same information has been sent certified mail green receipt to the company.
Product: Debt collection

per investigation received XX/XX/18 by XXXX on a XXXX XXXX XXXXdebt illegally obtained through identity theft means. again I had been going through domestic financial abuses from the alleged perp. I obtained multiple XXXX XXXX. could not obtain permanent one on bases of cyber intrusion. I had reported multiple times to XXXX. originally I had made attempts to rectify the debt. at one point XXXX XXXX had offered half the debt. I value my credit and put into consideration. since I hadn't any proofs of whom attempted identity theft. once I contacted back the company had disbanded. no longer was I able to contact. I again repeated attempts once an black market predatory collection agency persued this debt. I believe the perp I kept seeking remedies to stay out of my life maliciously reinvented this black market sale in attempts at hurting me. I contacted once again XXXX identity. thery did more investigative measures anf while my credit bureas reports show no balance under te original creditor XXXX, XXXX and a zero pay status and zero collections.no amounts shown under XXXX XXXX the black market XXXX XXXX the debt buyer SHOWS A BALANCE STILL.IN ALL CREDIT BUREAS. I WAS A VICTIM OF FRAUD IDENTITY THEFT DOMESTIC FINANCIAL ABUSES. I AM SEEKING POSSIBLE REMEDIES IN THE FUTURE ON THST CASE. HOWEVER, THESE DEBT COLLECTIONS, WHILE XXXX HAS DONE AS BEST AS THEY COULD, IT ADDS UNTRUTHFUL CREDIT DEBT ANALYSIS. I AM TRYING TO REGAIN MY LOSSES FOR THESE CRIMES. IT HINDERS MY CHANCE TO HOME PURCHASES AND A MODEST FAIR ONE AT THAT. I ASK FOR THE REMOVAL OF BOTH XXXX XXXX CREDITOR AND XXXX XXXX XXXX  COLLECTOR TO BE REMOVED FROM ALL BUREAUS. XXXX  HAS DONE MUCH INVESTIGATIONS.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting some inaccurate fraudulent accounts on my files. I reached out to them multiple times, but they are refusing to throughly investigate my dispute. I am attaching a copy of my most recent dispute with them. 

I am referring to these accounts below : XXXX : Account number : XXXX open date inconsistent and or duplicate account Amount : {$8000.00} XXXX  : Account Number XXXX open date inconsistent Amount : {$8000.00} Truist : Account Number XXXX open date inconsistent Amount : {$590.00} but credit limit is {$500.00}. ( Inconsistent ) open date inconsistent XXXX XXXX XXXX XXXX : Account number : xxxx open date inconsistent and or duplicate account. 
XXXX XXXX XXXX : Account Number XXXX open date inconsistent XXXX XXXX : Account number : XXXX inconsistent XXXX  XXXX XXXX : Account number : XXXX inconsistent. Not mine, do not have a contract with them. 

I also have XXXX different social security numbers being reported on my Experian report which is impossible. My social security number ends in XXXX, but you have it has both XXXX, and XXXX which suggests these accounts XXXX belong to whoever social security number ends in XXXX. The dates these accounts are reporting to have been open are inconsistent. The amounts are inconsistent.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im writing this complaint because my XXXX XXXX  account is not reporting my account to TransUnion. I have contacted both TransUnion and XXXX XXXX  XXXX  to have this issues corrected and I havent had any luck. This is not fair or accurate credit reporting. This issues has caused my credit score to drop over XXXX points from not reporting this account in good standing. I have called both parties and neither of them have tried to correct this issue. My XXXX account should be reporting and appearing on all 3 credit bureaus.
Product: Credit reporting or other personal consumer reports

**Company Information : ** - **Company Name : ** JPMorgan Chase Bank XXXX JPMCB ) - **Account Number : ** XXXX - **Date of Report : ** XX/XX/year> **Description of Complaint : ** I am filing a formal complaint against JPMCB due to multiple inaccuracies in their reporting regarding my account, which is now closed and charged off. Recently, on XX/XX/year>, JPMCB reported that I am over my credit limit on this account, despite it being closed by the grantor. This misrepresentation has caused significant distress and confusion about my financial status. 

Additionally, JPMCB has reported my account with an incorrect spelling of my name, which is a clear violation of my rights. This error can complicate identity verification and impact my interactions with other creditors. 

I have also disputed these inaccuracies with XXXX, noting over 30 unauthorized soft pull inquiries made by JPMCB without my consent. Such actions not only violate my privacy rights but also suggest a lack of diligence in their reporting processes. 

Moreover, JPMCB has reported active payments on my account for the period of XX/XX/year> to XX/XX/year>, claiming that terms were met, despite my not making any transactions during that time. This reporting is not only inaccurate but misleading, as it implies that I have engaged in financial activity when I have not. 

According to IRS guidelines, even if I did not receive a tax form 1099-C, I am required to report canceled debt as income. This charge-off should be treated as income ; however, the way JPMCB has reported this account is misleading and violates federal regulations. Per 15 USC 1681 S-2, they are prohibited from furnishing inaccurate information to consumer reporting agencies. 

In light of these issues, I am formally requesting that XXXX, XXXX, XXXX, JPMorgan Chase Bank ( JPMCB ) cant provide documentation verifying that these inquiries were authorized by me. Specifically, I request : XXXX. The name and employee number of the individual who authorized these inquiries during their initial investigation. 
XXXX. Documentation supporting the authorization, such as inquiry logs. 
XXXX. A signed application with my wet ink signature. 

If XXXX, XXXX, XXXX, JPMorgan Chase Bank ( JPMCB ) can not provide this documentation, I expect the inquiries to be removed immediately. 

**Impacts of Inaccuracies : ** - **Credit Damage** : My credit score has been adversely affected, making it difficult to secure loans or favorable interest rates. 
- **Emotional Distress** : The confusion and anxiety caused by these inaccuracies have impacted my mental well-being and day-to-day life. 
- **Reputation Harm** : Misrepresentations have led to denied applications and a tarnished reputation with lenders.
Product: Bank account or service

On my Bank of America Acct. XXXX, I made an auto pmt. for {$1200.00} on XX/XX/2017. My IRS check did not come in until XX/XX/2017 and the check did not clear. Bank of America changed their policy to deduct the check when it is issued from the account versus when it is deposited by the recipient. I called Customer Service and they told me to issue another auto pay check as the first one ( check # XXXX ) did not clear. I made another payment with check # XXXX. The next day both checks cleared. I called Bill Pay and they told me that Customer Service should not have told me that. They then voided the check # XXXX. Both checks were sent to the Texas Attorney General Child Support Division. Their processor received both checks and forwarded the amount to the recipient prior to depositing the check. They then sent me the attached letter. I called them and said this was a bank error and I paid the correct amount of child support. I tried to arrange a call with both Bank of America and the Child Support Payment processor on the phone, but they said they need a letter from Bank of America on their letterhead stating this was a bank error. Bank of America said their attorneys would have to approve this and they can not fax a letter to the Child Support Div. I have filed a formal complain with the Texas Attorney General 's Office and now with Bank of America as they are incorrectly presuming I have committed an offense and this matter may be referred for criminal prosecution. Until Bank of America provides the requested information, I can not send the Child Support Div. checks. Please provide to the Texas Attorney General 's Office Child Support Div. the information they have requested at your earliest convenience. The bank policy should not be to deduct the amount from my account when the check is mailed but when the check is cashed. Similarly, the Child Support Div. should not forward money that was not cleared their bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX Original Creditor : XXXX XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately 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 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 XX/XX/XXXX
Product: Checking or savings account

I have two checking accounts with Bank of America. On XX/XX/18, I checked my available balance on one of my accounts and it showed {$94.00}. On XX/XX/18, I noticed that my account was over by {$54.00}, so I immediately made a transfer from my second Bank of America account ( internal transfer ) and after reviewing the transactions, I noticed a overdraft fee in the amount of {$35.00} posted to my account on XX/XX/18, when my account still had a balance of {$94.00}. I contacted Bank of America on XX/XX/18 and first spoke with XXXX in regards to the fee, and asked to speak with a manager to have that fee reversed, since there are transactions still in process and I should not be charged an overdraft fee, because I never signed for overdraft protection and any transaction will come to my account should be declined, but instead I am already being charged by Bank of America an overdraft fee for transactions not yet posted to my account. She did not transfer me to a manager or  supervisor and started to give me an education session over the phone. I disconnected the call and called Bank of America again and was connected with a representative named XXXX, who said he was a manager in West Virginia. Mr. XXXX refused to reverse the {$35.00} fee. All my transactions were made as credit and are still in pending status as of XX/XX/2018 but Bank of America already charged me a overdraft fee on XX/XX/2018.
Product: Checking or savings account

XX/XX/year>, Chase Bank has been in the practice of picking and choosing when to process transactions for bank fees, in this situation they waited to charge my bank account did not have enough money in it, enforcing this particular transaction that they should have processed XXXX weeks earlier, I called them on this date to challenge the transaction and they refused. The proof that they're doing this type of practice is the date that they let this transaction process which is a day before I get paid, Wednesday. I am accusing Chase Bank of discriminating those with XXXX particularly veterans thinking we're too old or too feeble to figure out the fees before my check hits. Just in brief if there's no money in the account no transaction should go through.
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. 

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, has violated my rights. 

I looked at my Experian 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 whom the report relates, according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681i ( 5 ), they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information : ( A ) In general, if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2, they are supposed to 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: Debt collection

Someone by the name of XXXX XXXX called me today at work XX/XX/2020 and this was not the first time. He called me multiple times and every time he calls I tell him Im not allowed to except phone calls at work. he then gets belligerent and tells me that I am required to talk to him. He called my boss today and the bookkeeper and demanded that they tell him information about me where I work and other private information they told him they were not going to give him any information and he became very belligerent with them and tried to tell them that they are required by law to answer his questions. This has caused me an undue amount of stress and I just want him to stop calling me
Product: Credit reporting or other personal consumer reports

Contract Date is XX/XX/XXXX I have written them letters and sent the payment records to the company and Equifax for reviewing for corrections. They have not corrected anything, Equifax sent me back that they did't understand my letter. The company states that my account is XXXX month late. XXXX XXXX XXXX XXXX. This is not true I have proof I was always within my 30 days window. Also Equifax is not reporting correct information about company on my credit profile. The some major errors on my report with this company XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Vehicle loan or lease

i was told that i need a down payment on my car, so i put XXXX down payment, however pursuant to 15 usc 1662b ( no advertisement to aid, promote or assist directly or indirectly any extension of consumer credit may state ) also the seller bmw of gwinnett place and bmw financial has a lien on my bmw and is forcing me to make monthly payments or they will repo my car.
Product: Vehicle loan or lease

American Credit Acceptance XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX Customer Name : XXXX XXXX Account # XXXX I spoke to XXXX on XX/XX/2024 at approximately XXXX EST ( I made multiple calls since Friday XX/XX/2024 to inquire the location of my car ) XXXX stated she called the repossession company and repossession company stated they could not provide the lot 's location address. I informed that my personal property that I needed was in the vehicle and had to get it out, it was still stated that the address could not be provided. I am certain that American Credit Acceptance knew the address as they specifically shared the name of the company that the vehicle 's possession was in which is XXXX XXXX XXXX XXXX, located at XXXX XXXX XXXX, XXXX, XXXX XXXX. I was provided the phone number XXXX by American Credit Acceptance which no one ever picks up and when you leave a message you still do not get a call back. I was provided a secondary phone number as a result of not being able to get through to the first number provided by American Credit Acceptance, and that phone number was XXXX which you also couldn't get through to. Upon a simple XXXX search I was able to find the location that American Credit Acceptance themselves gave me the name to, thus showing they were well aware of the location address. I was told that they were not permitted by XXXX XXXX XXXX XXXX to give their location address. I continued to try to reach XXXX XXXX XXXX and finally spoke to someone ( through a different phone number that I also found via XXXX ) there who informed that this is not true at all. i inquired upon payment of my past due bill how was I supposed to pick up my vehicle if American Credit Acceptance could not provide a pick up location? There was no explanation or answer to that question. I asked American Credit Acceptance to provide that they could not provide the repossession company 's location in writing, and they refused. 

I realized that this is actually illegal. If a debt collector makes false statements or provides incorrect information, I can sue them under the Fair Debt Collection Practices Act. The information given regarding the retrieval of my personal property from out of my car was false and used against me to collect a debt, and once the debt was paid the information would have been given. As a result of this I would like my total debt with American Credit Acceptance removed, any late payments that were reported to be removed, and all fees for the towing and storage of my vehicle.
Product: Vehicle loan or lease

On XX/XX/XXXX I went into the car dealership ( Larry H Miller Group of Companies specifically XXXX XXXX XXXX XXXX of XXXX, Arizona ) to inquire about purchasing a vehicle. I worked with XXXX XXXX and was denied due to not having any established credit history but was told that XXXX would " look around '' to see if anyone would loan me the money to purchase a vehicle ( XXXX XXXX XXXX ) On Sunday XX/XX/XXXX, XXXX called me back and informed me that he found a bank that would accept me as a borrower and I needed to go to the dealership to sign paperwork. Me and XXXX discussed how much I would be able to afford per month and I informed XXXX that I would like to spend around {$300.00} per month and XXXX indicated the only way I'd be able to get the car would be to pay {$450.00} a month which I informed XXXX that I couldn't really afford that cost but I needed a car so I agreed. At the time I was unaware the borrow was through the dealership itself. I feel like I was a victim to predatory lending as I felt pressured to come to the dealership because I was informed that I would not have been able to get a loan from anywhere else because of my lack of credit history. I was given a loan with a 20 % interest rate with a 72 month term from XXXX XXXX through the dealership ( XXXX XXXX XXXX XXXX XXXX ). I borrowed the amount of {$18000.00}. During this purchasing agreement, I was also sold a Total Care Auto warranty ( Guarantee Auto Protection ) for {$790.00}, which I feel like I was taken advantage of based on my race, age, lack of experience purchasing a vehicle and was sold on a product when they knew I was being charged at such a high-interest rate that they could take advantage of me.