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

XXXX XXXX XXXX {$1700.00} XX/XX/XXXX XXXX {$1300.00} XX/XX/XXXX These account are fraudulent and I want them remove at once. I am a XXXX victim of identity theft and will be writing the state and government about this fraud because it is not right and I have already submitted police reports. I want these accounts removed at once.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX, TX XXXX Consumer Relations XXXX XXXX XXXX XXXX XXXX, GA XXXX TransUnion XXXXXXXX XXXX XXXX XXXXXXXX, PA XXXX Dear Consumer Relations Teams, I am writing to highlight the importance of the Fair Credit Reporting Act ( FCRA ) provisions regarding the accuracy and completeness of consumer information reported by your agencies.

As you are aware, Section 611 of the FCRA empowers consumers to dispute inaccuracies in their credit reports. This section is crucial for maintaining transparency and ensuring that the information provided by credit reporting agencies is as accurate as possible.

To emphasize the significance of accurate reporting, I would like to bring to your attention the following account caps that must be correctly reflected in consumer credit reports : Accounts : XXXXXXXX XXXX XXXX XXXX : {$49000.00} XXXX  : {$1400.00} XXXX XXXX : {$420.00} XXXX XXXX : {$1400.00} XXXX XXXX  XXXX {$940.00} XXXX XXXX XXXX XXXX XXXX {$3600.00} XXXX XXXX XXXX {$880.00} XXXX XXXX XXXX XXXX {$530.00} The accuracy of this information is essential, as it can significantly impact consumers ' creditworthiness and their ability to secure loans, housing, and employment opportunities. Therefore, it is imperative that your agencies prioritize compliance with the FCRAs requirements and ensure that the information reported is accurate and complete. 

I appreciate your attention to this important matter and look forward to your commitment to upholding the integrity of consumer reporting. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been banking with JP CHASE bank for years nowAnd recently i applied for an apartment through my section 8 voucher and was denied SOI actually was told I had a felony which is a lie I went downtown XXXX and got a letter proving that was a lie on my CREDIT REPORT and that my CREDIT SCORE was really badSo that lead me to investigate my history of CREDITAnd when I start investigating I realized that not only am Im being discriminated against but also REDLINED by my BANK and CREDIT bureaus like XXXX and other companies like them have straight up DENIED me CREDIT!!!! I can prove it JP CHASE has never approved any of my application not 1 I am a single XXXX  woman that never ever HAD 1 credit card and Im XXXX yrs old and that makes me cry really hard because this BANK said they can never accept my application due to credit score.BUT they wont allow me to build any history with credit because they tell me NO to every APPLICATION. THAT IS DISCRIMINATION!!!!!!! I only have had a bridge card lately in life and on social security.This is absolutely WRONG.Due to HJR-192 UCC1-308 how is this at all lawful to deny me credit and then tell me its my credit why I cant get any loans. : ( why XXXX old XXXX  girls get XXXX limits due to their parents demographics of life Jp I feel used and I consider this bank XXXX and discriminating against meI tried calling asking the CHASE BANK what is the issue and I recently applied for a truck OF COURSE DENIED & on top of it GASLIGHTING ME telling me its my credit and they will mail out the reason for denying meWhich I already know its because of this so called REDLINED CREDIT.I spoke to several supervisor and was treated like a child and talked to like I was absolutely nothing and told basically nothing that was LEGALLY ACCEPTABLEI also have recordings of how they talked to me and the sad excuses they came up with WHICH was not at all LEGALAt this point Im out of option and I want to sue them because I TRULY HAVE NEVER HAD A CREDIT CARD in my LIFEBlack families should have some type of support from the bank I get that you guys have to use us so how could you actually help us financially but honestly its the LAWHJR-192 and to be honest how would you feel if you if you were treated this wayIm an XXXX woman but not that behind to see when an organization is discriminating against XXXX want the same equal rights as any other person on this planet.Whats truly sad is that this corporation actually feels that its ok to deny me please investigate CHASE BANK because I truly have been taken advantage ofUCC1-308 UCC3-603 UCC 3-306 UCC 3-104 15 usc1681 b Discrimination is not okay at all and if youre racist May god FORGIVE YOU!!
Product: Credit reporting, credit repair services, or other personal consumer reports

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

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

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

I submitted a letter to the 3 Credit Bureaus to correct this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. Kindly update or remove the following items that are harming my credit : 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 XXXX XX/XX/XXXX
Product: Mortgage

On XX/XX/2022 I received a phone call from Rocket Mortgage regarding my deceased parents loan. This was in response to my inquiry of assuming their loan. I asked that I assume this loan according to the Garn-St Germain Act that states I do not need to credit quality as I am the successor heir. The broker XXXX XXXX was hostile and raised his voice on the phone and said that is not the way they do business and when I mentioned that I wanted to check with my attorney, he said get him on the phone now! He then sent over an email stating that I would need to credit qualify in order to assume this loan. 
The bank has requested the credit file for my wife that has nothing to do with this loan. They have refused to comply with this act designed to protect families that have been living in their home when the borrowers dies. I want to assume this loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

My vehicle was stolen in XX/XX/XXXX in XXXX. About a month after I left for XXXX on a government contract in XX/XX/XXXX. I had a dispute with the insurance company, XXXX, over an inspection that was suddenly required after I called to update my address in XXXX, after I already was in Texas preparing to deploy. 

Turns out by the time the vehicle was taken, the coverage was dropped without my knowledge in the form of notice and the claim was denied. I notified the lender of the insurance claim as well and I continued making payments every month with auto pay. 

Fast forward to XX/XX/XXXX, and the vehicle was recovered by local law enforcement. I was still away, so my father was notified and then told me to call the local impound, sunshine towing. where they told me either I had to fly back personally and retrieve it or release it to my insurance. Which I did not have since the car was stolen ; the insurer later dropped me. 

A family friend in the insurance industry told me to make a complaint to the state and see if they can help. I did not want to risk a lien on my account. Florida investigated, then later found in my favor that an inspection was not required and that XXXX had to honor the claim. I was emailed this notice in XX/XX/XXXX. ( I have the emails and memo XXXX My lender, ALLY Financial, took payment from me in XXXX and XX/XX/XXXX. I have the bank statements to show for it. They later claimed I was delinquent and sent a threatening letter to my mailing address instead of any other form of contact despite the fact I had called and updated them that the insurance claim was on going. 

According to Ally, because the vehicle was impounded, they had the right to call in the loan within 30 days dated back to XXXX when the vehicle was first recovered. Despite taking my payments and my dialogue with them about the insurance claim. 

They promptly canceled my XXXX payment and my installment plan. And later reported my account as a charge off just days after receiving a settlement check. 

I have a memo from XXXX laying out the timeline of the claim. Considering I had to hand sign documents and mail them from XXXX. I had no control over how long the paperwork and processing of a check took. 

I have disputed the charge off with each credit bureau showing the XXXX memo. I have asked ALLY Financial for an adjustment considering I hadnt missed a payment and I was overseas. They have ignored my pleas and insisted on their arbitrary company policy
Product: Credit reporting, credit repair services, or other personal consumer reports

We sold our home and paid the full amount of the mortgage to XXXXXXXXXXXX XXXX XXXX {$120000.00} on XX/XX/23 via wire transfer from the closing attorney. It has been over 30 days and the account is still being reported actively open and late. I called XXXX on XX/XX/23 and advised them that they legally have to report my credit accurately every 30 days, but was advised by their loan servicing department that they will report my account paid in full at 60 days after the loan was paid off in full from XX/XX/23.
Product: Credit reporting or other personal consumer reports

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. I HAVE ATTACHED MY FTC REPORT TO THIS COMPLIANT TO PREVENT FURTHER STALL TACTICS FROMXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX , CAXXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XX/XX/XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Charged off XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Late/Closed XX/XX/XXXX XXXX **** Date Opened : XX/XX/XXXX XXXX XXXX XXXX {$0.00} Late/Closed XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Charged off XXXX XX/XX/XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Charged off XX/XX/XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Charged off XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Late/Closed XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Late/Closed XX/XX/XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Late/Closed XXXX XXXX XX/XX/XXXX( Original Creditor : XX/XX/XXXX) XXXX Date Opened : XX/XX/XXXX Balance Owed : {$730.00} Collection Inquiries in Dispute : XX/XX/XXXX XX/XX/XXXXXX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXXXX/XX/XXXX CONSOLIDATED XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXX/XX/XXXX XX/XX/XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I recently checked my credit report and noticed some inaccuracies ranging from XXXX XXXX- XXXX XXXX. I have 9 hard inquiries that was recently added that I would like to be verified. I haven't applied for anything and I would like you guys to send me a copy of the documents with my wet ink signature and why these hard inquiries was added to my credit report. Please furnish original contract to my email for these inquiries at ( XXXX ) Name : XXXX XXXX ( XXXX ) Name : XX/XX/XXXX ( XXXX ) Name : XXXX Name : XX/XX/XXXXName : XXXX XX/XX/XXXX Name : XXXX XXXX Name : XXXX
Product: Debt collection

A default judgment for XXXX was entered against me because, the company ( portfolio recovery services ) asked the court to assume the debt was valid if I did n't respond within 30 days. I did n't, because I figured I 'd lose anyway. The amount I was sued for was a lot more than was spent on the card, & I had made payments before it defaulted. I have asked the attorney for billing statements to see the amount on it, but all I can get is the amount portfolio recovery services sent them that they said I owed. I would like to settle this for less than XXXX, but it 's been over 30 days since the judgement, is there anything I can do now?
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX  XXXX and XXXX XXXX from 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

There are discrepancies on my personal credit report ( s ) that are in violation of my consumer rights. Please permanently delete and block the below accounts and inquiries from my EQUIFAX, XXXX, and XXXX credit report ( s ). These inquiries are fraudulent and unverifiable. 

Inquiries : 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 These inquiries are fraudulent, unverifiable, and in violation of consumer rights.
Product: Checking or savings account

Access to accounts deposited funds, funds being held, account locked, due to suspicious transactions, account frozen. Dates between XXXX and XXXX
Product: Debt collection

IVE NEVER HAD ACCOUNTS WITH THE CREDITORS AND MY INFORMATION HAS BEEN ACCESSED ILLEGALLY.
Product: Credit reporting or other personal consumer reports

I've recently checked my credit report and noticed some unauthorized inquiries. I have attached my FTC report to this complaint to prevent further stall tactics from Experian
Product: Credit card or prepaid card

I have been a customer of Citibank for many many years paying off my balance in FULL every single month. I bought a TV in XX/XX/XXXX and did so for 2 years interest free. It is IMPOSSIBLE to pay my balance in full and then apply additional money directly automatically therefore I had to rely on manual payments each month which caused multiple late fees and INTEREST, which I never pay. I made a payment of {$1000.00} in XXXX and after three attempts they FINALLY acknowleged it but here we are again. I was SO frustrated with Best Buy Citicard that I contacted the Executive Team who didn't even call me to discuss. I was SO upset in XXXX that I was speaking to a supervisor where I told them I wanted to PAY OFF the {$1400.00} for the SAC for the TV even though it wasn't due until XX/XX/XXXX because it was causing excess charges and the supervisor gave me the TOTAL including the TV. It was RECORDED. I paid over {$5000.00} to inlcude my balance AND the XXXX XXXX and now they're saying that that's not true. {$5000.00} didn't include the TV. I asked them to pull the call records and NOTHING. This is a TOTAL scam and they're lying and are not being held accountable. I am ANGRY. They are taking advantage and lying to me and will NOT help me correct this issue and are NOT applying correct payments. The response team responded and the information was WRONG. It's a JOKE AT MY EXPENSE!!!!!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that I do not recognize or believe are inaccurate. The accounts in question are listed below : NAME OF ACCOUNT : CAPITAL ONE ACCOUNT NUMBER : XXXX Please Investigate and Validate the accuracy of this account with the Original Creditor. NAME OF ACCOUNT : XXXX ACCOUNT NUMBER : XXXX Please Investigate and Validate the accuracy of this account with the Original Creditor. If you can not verify that the accounts listed above are reporting 100 % accurate and without any errors. Immediately DELETE these accounts from my credit file.
Product: Debt collection

DNF Associates XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX Has reported to XXXX ( and possibly others ) that they are attempting to collect a debt in the amount of XXXX that originated with XXXX XXXX XXXX at some point around XXXX Previous debt collectors have not been able to provide me with the details of the debt ( dates, communication, etc. ). 

DNF has not contacted me via phone or mail to offer any of the above information, their contact information, or any other information that has offered an opportunity to ( once again ) explain this debt. This debt ( not mine ) was the result of credit fraud that occurred sometime between XXXX. I personally reported to the XXXX XXXX that someone had fraudulently opened an account in my name. I went round and round with this merchant about the credit fraud. They convinced me to try and make payments. I consulted an attorney and was told to report it to law enforcement, the merchant, and to the credit agencies that the account was fraudulently created. This was done. Eventually the merchant told me they had resolved it, eliminating my responsibility. However, the debt has been sold and resold to various debt collection agencies and I have had to repeatedly dispute this debt, despite its origin at least 8 years previous. 

Why this debt continues to be sold, after it has been, at least, four times reported to be credit identity fraud ( reported to authorities ), I have no idea. DNF, as a company, has been extremely sketchy and has violated my FCR rights in that it failed to identify themselves as debt collectors, provide me with 30 days written notice with my options of disputing this debt ( again ), provided no reliable means of contacting them ( multiple attempts unanswered in which I had to track them down ), reported to a credit reporting agency ( XXXX ) that such a debt exists, purports that the debt is valid, and has not responded to written communication. Yet persists in harming my credit status by carelessly reporting this fictional activity, while I have been steadfast in maintaining and growing my credit history. 

While trying to call DNF at their given number ( identifies as " XXXX XXXX '' }, they offer only XXXX options : find account number, check account balance, and Make a Payment. To find an account number, they ask for one 's social security number. When I entered mine, they have no record of an account. The recording informs me to " call back. '' Nobody answers the phone, ever. SKETCHY! 

They have to this point provided me with absolutely no information about themselves, or any activity they have engaged in. Your complaint for the companies identifying information about myself. There is none. Yet they appear on my credit statement.
Product: Checking or savings account

I LOOKED BACK AT MY REPORT ON XX/XX/year>XXXX  AND I NOTICED THAT SOME THINGS ARE INCOMPLETE AND INACCURATE. 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. 

I SENT A LETTER ASKING THEM TO INVESTIGATE THE ACCOUNTS BELOW BECAUSE [ XXXX XXXX XXXXXXXX - XXXX ] OPEN DATE IS NOT REPORTING CORRECTLY, DATE LAST ACTIVE, DATE OF LAST PAYMENT IS NOT CORRECT, THE ACCOUNT IS NOT ACCURATE
Product: Credit reporting, credit repair services, or other personal consumer reports

Many disputes later- I'm still getting violated. Experian doesn't even glance at the information that they are investing ; if they did, they would see nearly all of the report is erroneous.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX   XXXX   XXXX    XXXX    XXXX  shows me as 90 days late on a payments from  2015 . All   XXXX   credit reporting agencies show different months however I have never been late on a payment. In fact I have paid more than the amount due every month so a delinquent amount is not possible.
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 XXXX : Account Number : XXXX  Account Name : XXXX XXXX  XXXX : Account XXXX Account Name : XXXX : Account XXXX Account Name : XXXX : Account XXXX Account Name : XXXX : Account XXXX Account Name XXXX XXXX XXXX  : Account XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

RESIDENT VERIFY XX/XX/XXXX RESIDENT VERIFY XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX 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.