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

XXXX, XXXX, and Equifax have continuously reported inaccurate information on my credit report, despite my previous disputes and requests for corrections. I have attached a letter that provides proof of the inaccuracies, yet no action has been taken to rectify the errors or remove the incorrect information. This ongoing failure to update my credit report is a violation of my rights under the Fair Credit Reporting Act ( FCRA ). I am requesting an immediate review of the attached documentation and the removal of all inaccurate information from my credit report.
Product: Prepaid card

I have a rushcard visa and it took two-three business days to get my direct deposit. I called the customer service and did not get any help. In the process, I was unable to pay my bills and other obligations.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account XXXX  XXXX Reference # XXXX XXXX XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

I have found reported collections on my credit report file at experian and the entry reads The dispute for the account with XXXX XXXX XXXX that starts with XXXX has been updated. 

Source : Experian Date Submitted : XX/XX/2023 Report Number : XXXX Account Number : XXXXXXXX XXXX XXXX with XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX VA XXXX I have tried to explain them that they made a mistake mixing my account with someone else. and they insist that its mine. I asked for verification and validation of debt. i get nothing expect that the bureau by passes and violates my rights under FCRA FDCPA and e-oscar and metro2. They refuse to furnish any information or contract or anything that shows anything to do with me. I get nothing.. and Re-aged the Debt couple of times. with records availalbe to show while i was fighting they kept coming back with updated without any regards to what damage this done to my life. This should be first step of law suite . I assigned XXXX to handle the next proceeding.
Product: Mortgage

applied for a modification twice and twice denied. The first denial according to their loan specialist was because the house did n't appraise for their drive-by perceived value. Appealed their decision, the second time it was because the income was not correct and I believe the house value. An independent appraisal stated that the value was $ XXXX more than their stated value. They are now saying that the NVP is negative, but in speaking with professionals in the real estate area, none have heard of any lender or servicer using this as a tool for a modification. This supposedly is used for income property to determine cash flow. This is a single family home.They are also using something called a mock NVP which no one has heard of. I have asked them to explain, but nothing as of this date. They have also used old income stats for this evaluation even though I have told them the income has changed from XXXX to XXXX. I am not sure what type of game this servicer is playing but it is not ethical. Nationstar is the servicer. And while they did provide a dedicated loan specialist, she was many times uninformed and did n't get back with us in a timely manner with answers. And they repeatedly stated they did n't receive information that was either faxed or submitted thru XXXX. Thus I figured using a third party would be a verification of information sent. Please let me know what I can do at this point or where I should go for further assistance..
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of fraudulent activity. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a identity theft report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an identity theft report with reference number XXXX. Please find the ATTACHED documents to assist in the removing of the erroneous personal information and inquiry which were being posted to my reports. Here is the list of items which were opened without my permission : EXPERIAN : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any items in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt.
Product: Mortgage

I am having so much trouble trying to get Chase to pay my real estate taxes. I have called multiple times to try to get them to pay the real estate taxes correctly. They had the incorrect block and lot number and I provided the documents for them to correct it on the first week of XXXX. They never got back to me. It was only till I realized that they did nothing, that I called them back towards the end of XXXX, asking why were my taxes not paid. Then they made me wait another 3 weeks to process my payment. Another week has gone by and Dept of Finance ( 311 ) has confirmed that they didn't receive the payment. I called Chase to let them know that XXXX hasn't received the payments and if I can get the wire confirmation. They told me it will take another 7 days for them to process this request to mail me the confirmation of the wire. At this point, I am tired of waiting and playing the middle man. While all this is happening, my balance remains unpaid and I am incurring late fees and interest. I'm getting punished for something that isn't my fault. I need help.
Product: Credit card or prepaid card

JPMCB Sapphire Preferred Card XXXX Opened XX/XX/XXXX Closed by Creditor XX/XX/XXXX Late payments : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Made 85 % Payments on time, percentage was higher at time of closure. 
Recently became aware that account was delinquent and had been closed. Found this out after a rental company pulled my credit report. 

Due to this card and another closed by Chase Bank who reported several delinquent marks, my credit has dropped significantly. I am unable to rent any properties due to this. 

On XX/XX/XXXX I made an online agreement with Chase for this card to make 3 payments of {$210.00} dollars, and Chase reported that they would bring my card up to date. I see nothing of this on the account. I do see the withdraw from my checking account and application to Chase account. All negative marks still appear on credit report, along with amounts considered as due now. 

XX/XX/XXXX I spoke with customer service at Chase Bank with attempt to resolve the negative marks. I brought to attention that my account had always been on time until, unbeknownst to myself that the automatic payments had stopped being withdrawn. I was unaware of this, and want to make this right with the company. Customer service told me there was nothing they could do to help me. 

On Chase account online, there are no No notices or letters on my account.

There are also no branch documents. 

I am a XXXX  that makes a great living. I am honest and want to make this right, I feel like this was out of my hands and I was unaware of the situation. No I am unable to secure a place to live do to these negative marks. The creditor did not help at all.
Product: Credit reporting or other personal consumer reports

This is my second-time requesting that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX I reached out via mail to Equifax and XXXX regarding these accounts DEPT OF ED / XXXX Installment with account # XXXX opened on XX/XX/XXXX and a balance of {$6600.00}. 
This account is incorrectly reporting that I have 1 late payments. On my XXXX report there are 0 late payments being reported. 
DEPT OF ED / XXXX Installment with account # XXXX opened on XX/XX/XXXX and a balance of {$1100.00}. 
This account is incorrectly reporting that I have 1 late payments. On my XXXX report there are 0 late payments being reported. 
DEPT OF ED / XXXX Installment with account # XXXX opened on XX/XX/XXXX and a balance of {$3300.00}. 
This account is incorrectly reporting that I have 1 late payments. On my XXXX report there are 0 late payments being reported. 
DEPT OF ED / XXXX Installment with account # XXXX opened on XX/XX/XXXX and a balance of {$2800.00}. 
This account is incorrectly reporting that I have 1 late payments. On my XXXX report there are 0 late payments being reported. 
DEPT OF ED / XXXX Installment with account # XXXX opened on XX/XX/XXXX and a balance of {$3800.00}. 
This account is incorrectly reporting that I have 1 late payments. On my XXXX report there are 0 late payments being reported. 
DEPT OF ED / XXXX Installment with account # XXXX opened on XX/XX/XXXX and a balance of {$2400.00}. 
This account is incorrectly reporting that I have 1 late payments. On my XXXX report there are 0 late payments being reported. 
DEPT OF ED / XXXX Installment with account # XXXX opened on XX/XX/XXXX and a balance of {$3500.00}. 
This account is incorrectly reporting that I have 1 late payments. On my XXXX report there are 0 late payments being reported. 
DEPT OF ED / XXXX Installment with account # XXXX opened on XX/XX/XXXX and a balance of {$4900.00}. 
This account is incorrectly reporting that I have 1 late payments. On my XXXX report there are 0 late payments being reported. 
DEPT OF ED / XXXX Installment with account # XXXX opened on XX/XX/XXXX and a balance of {$2300.00}. 
This account is incorrectly reporting that I have 1 late payments. On my XXXX report there are 0 late payments being reported. 

XXXX OF XXXX / XXXX Installment with account # XXXX opened on XX/XX/XXXX and a balance of {$7000.00}. 
This account is incorrectly reporting that I have 1 late payments. On my XXXX report there are 0 late payments being reported. 
DEPT OF ED / XXXX Installment with account # XXXX opened on XX/XX/XXXX and a balance of {$4600.00}. 
This account is incorrectly reporting that I have 1 late payments. On my XXXX report there are 0 late payments being reporte is incorrectly reporting that I have 1 late payments. On my XXXX report there are 0 late payments being reported. 

Equifax and XXXX did not send me the results of their investigation and why they are reporting incorrect information.
Product: Credit reporting or other personal consumer reports

Several Credit card accounts was opened up using my name and credit information without my knowledge, as well as two loan accounts. Every credit card opened in question is fraudulent and was not opened up by me personally. I reported this issue to my local police department and filed a report which I sent to XXXX, XXXX, and Equifax. To date nothing at all has been done to correct and remove these fraudulently opened accounts to restore my good credit status.
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 Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXXXXXX XXXX  Account Number : XXXX and 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: Debt collection

On XX/XX/XXXXXXXX XXXX XXXX XXXX I rented a car from XXXXXXXX XXXX XXXX. On XX/XX/XXXX I received a letter inquiring about collect {$790.00}. I requested proof and said I did not do anything. They sent proof of a rental agreement and the charge for replacing the windshield. They never sent any proof of the actual incident and what caused the windshield to be repaired. When I dropped off the car they inspected it and saw no damage. I am now receiving these letters more than 6 months later trying to ask me to pay with no proof of any damage.
Product: Credit reporting or other personal consumer reports

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX  XX/XX/year> XXXX XXXX  XX/XX/year> XXXX  XX/XX/year> XXXX XXXX  XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XX/XX/year>
Product: Credit card

Place of employment closed and then was unemployment so had no problems making the minimum payment. Ran out of unemployment so I fell behind a month on the credit card bill. Come to realize, I have credit card protection which I didnt know I had. Called to ask about how to get in contact, just to get hung up on. Called again, gave me a transfer number. Called that and got info to send via email to prove my circumstances. Sent it, basically two months later I'm still waiting as everytime I log into the account it still says pending documents. I sent them also, dude on the phone said they wouldn't go back to the prior month I was past due when the terms and agreement clearly state it goes back to the loss of income.
Product: Credit reporting or other personal consumer reports

do not recognize these credit inquiries, and you have asked for them to be removed and the bureau did not do as you asked. I am going to providing and identity theft report, which you will attach to this and you are requesting them to be removed because they are in accurate and not yours want them removed asap
Product: Credit reporting or other personal consumer reports

I am requesting that these inquiries be removed immediately. According to the Fair Credit Reporting Act ( 15 USC 1681b ), credit inquiries can only be made with the consumers authorization. Since I did not authorize these inquiries, they should be removed from my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

I 've tried disputing a fraudulent collection account on my credit report. I 've sent letters to the agency and have gotten little response. This apartment collection was not opened by me and my rights are being ignored. My official complaint is against procollect for reporting credit information to the credit reporting agencies that was a result of Identity Theft Ive asked in my letter that the negative reporting ceases and the information be removed from my credit report. I want the negative credit reporting to cease and for the collection account to be deleted from my credit report
Product: Credit reporting, credit repair services, 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 Number : XXXX Account Name : 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. 
Please remove these inaccurate accounts stated in my credit report, and correct/update late payments on the accounts I was never late.
Product: Credit card or prepaid card

This is regarding Complaint ID 's XXXX, XXXX and XXXX. 
I am now paying for monies on the refund and this is an accounting error on the American Express side. This error can be clearly shown in the American Express provided XXXX which is the accounting ledger file and if you compare the numbers amounts to that of the statements we see inaccuracy. 

XX/XX/2016 Reference : XXXX XXXX AUTOPAY PAYMENT - THANK YOU XX/XX/2016 Reference : XXXX XXXX ONLINE PAYMENT - THANK YOU XX/XX/2016 Reference : XXXX XXXX ADJUSTMENT XX/XX/2016 Reference : XXXX XXXX ADJUSTMENT XX/XX/2016 Reference : XXXX XXXX MANUAL CR BAL REFUND
Product: Checking or savings account

On XX/XX/2018, I opened a premier checking account with Valley National Bank that offered a {$200.00} bonus with qualifying criteria. It has already been 90 days and i have had my direct deposit in the account, yet the bank has not issued the promised bonus.
Product: Credit reporting, credit repair services, or other personal consumer reports

On or around XX/XX/XXXX, I sent via certified mail a letter and police report stating I had become a victim of identity theft. Pursuant to section 605B of the Fair Credit Reporting Act I requested these items be BLOCKED. My request was ignored and the following items remain on my credit report. I received an updated credit report stating " the disputed information was Verified as Accurate.. ''. However, pursuant to section 609A1A of the Fair Credit Reporting Act, the reporting agency DID NOT provided any supporting documentation showing proof that the reported items actually belongs to me. 

I sent a subsequent letter on via certified mail ( XXXX XXXX XXXX XXXX XXXX ) on or around XX/XX/XXXX stating the same and once again, my requests were ignored. 

Attached is a copy of the following : - Sent identity theft reports The following fradulent accounts STIL REMAIN on my credit reports furnished by XXXX, XXXX and Equifax. 

XXXX XXXX, Acct # : XXXX, Date Opened : XX/XX/XXXX XXXX, Acct # : XXXX, Date Opened : XX/XX/XXXX XXXX, Acct # : XXXX, Date Opened : XX/XX/XXXX XXXX, Acct : XXXX, Date Opened : XX/XX/XXXX XXXX, Account : XXXX, Date Opened : XX/XX/XXXX XXXX XXXX XXXX Account : XXXX, Date Opened : XX/XX/XXXX XXXX, Account : XXXX, XXXX Opened : XX/XX/XXXX XXXX XXXX Account : XXXX, Date Opened : XX/XX/XXXX XXXX XXXX, Acct : XXXX, Date Opened : XX/XX/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
Product: Credit reporting or other personal consumer reports

I have an XXXX XXXX credit card that went 30 days delinquent in XX/XX/XXXX. In XX/XX/XXXX, it was charged off. I checked my Experian report on XX/XX/XXXX, and it showed that the " on record until '' date was XX/XX/XXXX. However, the account is still on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am stressed and displeased that I see there is a bankruptcy on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. My information was in a Experian & XXXX breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected.This is a defamation to my character and according to 15 U.S.C. 1681, you should be protecting my privacy and the accuracy of my report. This is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. Upon speaking to the bankruptcy court, they do NOT furnisher people 's information to 3rd party so this is illegal, neglect and fraud. You all can get sued for these damages. This is negatively effecting my livelihood. I can't provide a good life for my children due to these falsified damages from the bankruptcies. I am upset!! You all are a secondary bureau that houses consumers information. I feel your database is inaccurate and I am filing ligation against this.
Product: Credit reporting or other personal consumer reports

Company did not notify me of results within XXXX business days from reinserting these inaccurate accounts on my credit report.
Product: Credit reporting or other personal consumer reports

hard inquiry appeared on my account on XX/XX/XXXX from Capitol one. I did not apply for any new credit cards or financial assistance of any kind