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

I have received a copy of my consumer reports today XX/XX/2024, and I notice you have furnished transactions on my consumer report that are excluded by law as per FCRA 15 USC 1681a 2Ai.

( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between theconsumerand thepersonmaking the report ; A consumers transactions are excluded from the consumer reports.

FICO and or any other risk score or algorithm that you use to calculate a consumer 's credit score, is not a factor where the consumer report is concerned! Definition of what the consumer report means.

consumer report- consumer report In general. The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title. 
FICO or none of its factors, are not defined or included in the definition of the consumer report! Therefore, the reporting of transactions between the consumer ( XXXX ) and the person XXXX XXXX XXXX XXXXXXXX ) is a violation of 15 USC 1681a. The definition of the consumer report does not include FICO or XXXX, which makes their factors or algorithm not a factor where the consumer report is concerned. 

You have furnished transaction information on the following accounts :. 
( List accounts with late payments. ) Account XXXX XXXX XXXX XXXX : All late payments shown shall be updated to paid as agreed and in good standing as shown in the comment section of my XXXX XXXX report, per the FCRAs Law, to be fair and accurate. XXXX must update this account as paid as agreed and in good standing as shown on my XXXX consumer reports comment and section to be 100 % accurate and complete as shown in the attached file. 

So please Delete these late payments on this account per 15 USC 1666b ( a ) Time to make payments Acreditormay not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

Thank you for your time, and I know that as a company that follows consumer laws and their practices, you will do the right thing set forth by US Congress 15 US Codes. and make sure my consumer has no inaccuracies and errors.
Product: Debt collection

I am a victim of fraud and I currently have accounts on my credit report that are not mines and are reported inaccurately. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The specific information under dispute is derogatory nature. I am requesting the verification to follow reasonable procedures to assure maximum possible accuracy, of the information on my credit report. So I am requesting you verify the items I am disputing at a higher standard than a third-party database search. Please also notify the source who reported the item within 5 days after receiving this dispute, and obtain either, verbal or hand written verification directly from a person at that. Please delete/remove the following unverified accounts : XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX  XXXX XXXX  # XXXX, XXXX # XXXX, JEFFERSON CAPITAL SYSTEM # XXXX. I AM TRYING TO BUY A HOME AND THIS IS PLACING MY PROCESS ON HOLD.
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my credit profile on XX/XX/2023 I identified a discrepancy with account listed under The Law Office of XXXX XXXX and validation was requested as this was an account that I did not recognize. I reviewed my credit report again on XX/XX/2023 and the account continues to reflect on my credit report and I have not received any correspondence from creditor to validate this account as correctly belonging to me, nor has my credit report been updated to reflect that the account is disputed and therefore a 2cd validation was sent out on this day, after reviewing my credit report again on XX/XX/2023 there have been no updates and account is still reflecting on the report. I do not believe the account belongs to me nor do I believe that the creditor has authorization to attempt to collect on the account and the account continues to negatively affect me. Please strike and remove this account from XXXX Credit Bureau until adequate validation has been received proving that the account belongs to me and all information is correct. Under the Fair Credit Reporting Act 15 U.S.C 1681
Product: Student loan

my daughter wanted to become a   XXXX   XXXX   but when she applied she could n't apply for the loan on her own so we were told we could split it between us. Approximately {$5500.00} each. The school stated by the time she graduated the loan would be paid off and they would help her find a job. Neither of those things happened. Due to unforeseen circumstances and hardships I had to file chapter  XXXX  to keep from losing my home. I had to make payments to the court of {$430.00} a month for 60 months and turn over my tax refunds also. The court still paid money to the creditors even though they were a write off.   They paid some to  XXXX   XXXX  for the school loan, little did I know that the school loan was accruing interest for th e five years I  was in bankruptcy. My  XXXX  dollar loan is now almost  XXXX ! I make  XXXX  dollar payments a month but it just keeps going up and   XXXX   me out that I will never get out from under this debt. I wish they would at least forgive the interest then I could maybe make a dent in this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act the XXXX, and Equifax have violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy, and 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX ( account number as appeared on my XXXX report ) XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX The above accounts and account numbers are as reported on my XXXX report. 

These fraudulent accounts being on my credit report is a violation of my rights under the fair credit reporting act 15 U.S.C 1681 section 602 A. 

XXXX has also failed to investigate and respond to my previous dispute and it has been more than 45 days, which is also a violation of my rights under the fair credit reporting act 15 U.S.C 1681 section 602 A.
Product: Checking or savings account

My paycheck is deposited to my Capital One checking account on Thursdays, but as of today the money has not shown up. 

I have confirmed with my company that the money has been sent. 

Other institutions to which direct deposits were also sent have received the money. 

Customer service said the money should be posted by end of day Thursday -- it is now Friday.
Product: Checking or savings account

In XX/XX/XXXX I attempted to open a checking account at Chase Bank at the XXXX Ohio Branch located on XXXX XXXX. I was allowed to open the account and make a {$25.00} deposit. A week later I attempted to make a deposit and was advised that my account was closed. The branch manager advised me that I was not able to open an account because of fraud and a past due balance on my account. My account was closed and I had to wait three weeks to receive my deposit. I did however, attempt to pay the balance but was turned down by the branch manager. 

Upon further investigation my account was closed in XX/XX/XXXX due to a negative balance. My account was never investigated for fraud. I never received any correspondence related to the closure of my account or a notice related to a charge off. 

On XX/XX/XXXX I contacted Chase to inquire about opening a new account. XXXX, the Loss Prevention representative who handled my call advised me that I was unable to reopen my account due to fraud. He advised me that I wrote a check on my account in XX/XX/XXXX which resulted in the check being returned. I disputed this and asked to speak to a manager. 

I spoke to XXXX who identified herself as a manager with Chase Bank NA. XXXX stated my account was not closed due to fraud. XXXX stated my account was closed because of a negative balance that resulted in a charge off. XXXX also stated there was a check written for {$400.00} that was returned but it was not determined to be fraud. XXXX reassured me that fraud was never a reason nor should it have been mentioned for the reason Chase Bank NA closed my account and ended its relationship with me. XXXX stated Chase Bank decided to restrict my account and not do business with me. 

I requested a letter from Chase Bank NA explaining why my account was closed and was denied. XXXX stated she could not provide me with the letter. 

I requested a copy of the {$400.00} check that was returned on my account and was denied. 

I requested an explanation as to why I am not permitted to do business with Chase Bank NA and was denied.

I was advised that Chase Bank NA was exercising its right to not do business with me. 

Chase Bank NA has denied me the opportunity to reconcile my relationship and restore my relationship with the bank. 

Consumers should be given an opportunity to restore their relationship with a major bank. 

Chase Bank NA is engaged in defined, deliberate actions against XXXX American and other vulnerable consumers who traditionally are blocked from doing business with major banks.
Product: Debt collection

This is a reverse credit card complaint. 

My complaint is with Chase Merchant Services. My company previously had online  credit card services with them in XXXX  (we used their company to run credit cards for purchases made to us). This company started a reserve for charge back services for our company. Our account was closed out with them in XX/XX/XXXX, at the time we were told it would take 6 months for the funds to be returned to us. It is now XX/XX/XXXX, TWO years since the account was closed and we have yet to see a dime of OUR money from this company. We have called repeatedly, been given the run around, sent to a million different employees "who can help solve our issues" yet we have seen no refund and gotten no assistance. This is my next step before legal action is taken.
Product: Credit reporting or other personal consumer reports

I am reaching out to express my concerns about several issues I have encountered with the credit bureau, including incorrect account listings, inaccurate credit reporting, billing discrepancies, and accounts that do not belong to me.
Product: Student loan

I have a student loan with Navient, where I pay over {$200.00} a month. I am supposed to be on a lower monthly repayment plan with them, even though it does n't feel like it. My first issue with Navient is that my co-signers were the ones who received letters that my plan was ending at the end of XXXX, not me. I am the account holder and I feel like this information should have been communicated with me first. I called them immediately and spoke with a rep about my monthly expenses and explained that I have a commission based job and my income changes month to month, so some months are harder than others. The man informed me that lowering my monthly payments would definitely not be an option and that I would have to start paying the full rate. He also said that nothing would be able to be done for me at all until they speak with my co-signers. I told him that I would rather not involve the co-signers because I am the account holder and I am the only one that pays the bill every month. The rep told me that my plan would end and that I would have to pay the regular rate. I told him that I could not afford any more than I am paying now and that all I could send every month was what I was already paying. The rep actually said to me, " Well you will just have late payments every month. '' I was not able to receive any help when I called Navient, hoping to get some relief with my student loans. I did not get treated like a person, I got treated like a number. The school that I attended when I received the loan was the University XXXX at XXXX.
Product: Credit reporting or other personal consumer reports

This is absolutely frustrating, due to your inaccurate reporting and negligence on your part, my new credit applications keep getting denied and has been stressing me out for so long it's taking a toll on my XXXX  health. The information on the attached file has already been deleted by both XXXX and XXXX but you still keep reporting it on my credit which is a blatant violation of my rights as a consumer and is really insulting, I am a law abiding citizen and have fulfilled my financial obligations.
Product: Debt collection

Company Response : XXXX has processed this complaint as a dispute and cease and desist request. XXXX will no longer contact the consumer regarding this account. Please note that they are no longer collecting on the account. Since the account is no longer with XXXX it should be delete. Lastly, XXXX stated that it does not report to any of the credit bureaus for this creditor. If the consumer has questions regarding credit reporting, they suggested that I reach out directly to the credit reporting agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

In regards to my complaint number XXXX, I haven't had the chance to respond. 

First, experian said that 2 of those account are not reporting at all, if so please clarify which 2 accounts, as I see 4 accounts reporting.

Second, based on the FCRA if one is a victim of fraud a CRA is then allowed " ONLY THEN '' to not only remove the fraudulent account but has a legal obligation to also BLOCK THE CREDITOR from reporting it!!

Third, you mentioned you verified that it's accurate. We'll if so please describe what it is that you verified, and what's your description of Identity theft is? OF COURSE THESE CREDITORS RESPONDED WITH STATEMENTS SHOWING IT'S ACCURATE, AND I BELEIVE 100 % THAT THESE ACCOUNTS WERE REALLY OPENED ON MY NAME, ADDRESS, SOCIAL, AND DATE OF BIRTH!!!! 
WHAT DO YOU THINK THEFTS DO??? 

YOU THINK THEFT ARE THAT STUPID, AND YOU THINK BANKS ARE THAT STUPID TO OPEN AN ACCOUNT IF NOT ALL INFORMATION MATCHES. 

BASED ON THE FTC, 90 % OF PEOPLE FIND OUT THEY ARE VICTIMS OF IDENTITY THEFT MORE THAN A YEAR LATER. 

I WILL BE FILING A SEPARATE COMPLAINT REQUESTING PROOF OF THE 2 ADDRESSES WHICH ARE REPORTING IN MY REPORT AND HAS ABSOLUTELY NOTHING TO DO WITH ME. FURTHER WILL I INCLUDE IN THE COMPLAINT HOW YOU WERE ABLE TO GET 3 NAMES ON MY REPORT, AND I WILL ATTACH PROOF THAT YOU RESPONDED MORE THAN 30 DAYS LATER AMONG, OTHER VIOLATIONS.
Product: Credit reporting, credit repair services, or other personal consumer reports

While checking my credit I noticed that there were several fraudulent accounts on my credit report i did not apply for any of these inquiries, so i filed a police report for identity theft and police told me to report these account to the credit reporting bureaus. And the credit bureaus did not help me. Here are all of the inquiries that are on my account that i didnt apply for. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  i have attached the identity theft report
Product: Credit reporting, credit repair services, or other personal consumer reports

Back in XXXX of XXXX, I submitted a formal complaint with Experian regarding credit inquiries that had appeared on my file without consent, and names/addresses that do not belong to me. 

Then sent back their " canned '' response stating " Inquiries are a factual record of file access ''. I then called Experian in early XXXX ( about 9 days after this letter was received ),  which a female on the other end indicated they would " check into it ''. Nothing came to fruition. No personal information changed. 

My information was compromised in several breaches. Experian can not assume that XXXX  data that was stolen will not be used to apply for credit where Experian data is pulled. Furthermore, three of these appear to be business credit products of some sort. 

These inquiries must be removed : XXXX/XXXX - XX/XX/XXXX XXXX , XXXX. - XX/XX/XXXX XXXX- XX/XX/XXXX EXPERIAN XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX, XXXX. - Inquiry date : XX/XX/XXXX XXXX XXXX XXXX - Inquiry date : XX/XX/XXXX Experian does not have my correct address! These are NOT addresses associated with me : XXXX XXXX XXXX   XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX
Product: Debt collection

Sunrise Credit collections company is fraudulently attempting to collect a debt on behalf of XXXX XXXX XXXX for a former debt that was charged off by XXXX XXXX XXXX. 
This company uses illegal collection practices in addition to XXXX XXXX XXXX. Both use illegal collection activities. Both XXXX XXXX XXXX and Sunrise use harassment techniques by phone to record false information instead of discuss the discharged closed account.
Product: Credit reporting or other personal consumer reports

In Accordance with the Fair Reporting Act. The list below has violated my federally protected consumers rights to privacy and confidentiality under 15 USC 1681. FCRA 605B ( 15 U.S.C. 1681c-2 ) FCRA 605 ( b ) Block ACCOUNTS : 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 ______________________________________________________ INQURIES 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 XXXXXXXX XX/XX/XXXX TransUnion 15 U.S.C 1681 Section 602 A . State I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states 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 in accurate.

15 USC 1681EB 15 USC 1681B 15 USC 1681 C-2 15 USC 1692g 15 USC 1681IS-2 15 USC 1681i 15 USC 1681b 15 USC 1681i 15 USC 1681b - 15 USC 1681IS-2 15 USC 1692g 15 USC 1681 C-2 15 USC 1681 BA2 15 U.S. CODE 1681e- 15 USC 1681 ( 2 ) ( a ) ( i ) Delete the above late payments from my consumer reports, this agency is in violation 15 U
SC 1681
Product: Mortgage

After obtaining a HAMP modification, I enrolled my account in EFT payments. When I set this up XX/XX/XXXX, I was told that I had to make my regular payment XX/XX/XXXX. I initiated my regular mortgage payment on XXXX XXXX, and the company went and drafted another mortgage payment on XXXX XXXX, despite them advising that they would not be deducting a payment from my account. It took 10 days and a lot of running around for Ocwen to refund the additional payment. During the refund process, I asked them to cancel the EFT since I had received too many differing stories regarding the refund. They confirmed that my account was unenrolled in their EFT program. 
On XXXX XXXX, XXXX, I initiated my regular mortgage payment which was successfully processed from my account. Ocwen went and drafted another payment from my checking account on XXXX XXXX, 2015. I immediately noticed their error and contacted them on a daily basis to request yet another refund. They told me that the refund was issued on via wire transfer on XXXX XXXX, the funds were not received into my account until today, XXXX XXXX, 2015. The newest problem is that they have over-refunded me and are now calling my loan late and applying a late fee.
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my credit report I have noticed a number of inquiries and accounts that has been opened in my name fraudulently. 

Those accounts are XXXX  {$590.00} open on XX/XX/XXXX account number XXXX XXXX  XXXX {$660.00} opened on XX/XX/XXXX account number XXXX XXXX  {$2300.00} opened on XX/XX/XXXX account number XXXX XXXX XXXX  {$860.00} opened on XX/XX/XXXX account number XXXX The following inquiries have been opened in my name that were not done by me. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX Balance : {$700.00} XXXX XXXXXXXX Balance : {$530.00} XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been receiving a phishing email purporting to be from Equifax. The email had a link in it, which I know Equifax would not use to get me to log in to my account. Also, the bottom of the email lists XXXX rather than their own address. 

I logged in to Equifax to see if they had this same message for me, but they did not, nor could I find this message in my account on the website, nor any information that they would send something like that.
Product: Credit reporting or other personal consumer reports

I disputed inaccurate and unverifiable accounts on my Experian credit report, but they failed to properly investigate or provide proof under the Fair Credit Reporting Act ( FCRA ). The accounts in question include XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Experian is also reporting incorrect addressesmy only valid address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.

Requested Resolution : Remove all unverifiable accounts. 
Correct or delete inaccurate personal information. 
Ensure Experian complies with FCRA guidelines. 
I have attached my dispute letter and supporting documents for review. 
Thank you.
Product: Debt collection

Intimidating phone calls multiple times a day. Told me he 'd continue to call me at home and work. Claimed to be an  investigator in the county  I reside in and claimed a civil suit was being filed against me. (   XXXX   /17   .  Called county  clerk, district clerk, and justice of the peace - no suit had been file d )  The name the man used was  XXXX   XXXX .