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

I disagree with the account listed below which still appears on my credit report, even after your investigation. I would like this immediately re-investigated. The inaccuracies are highly injurious to my credit score. 

( XXXX XXXX ) : ( Account Number : XXXX ) I challenge the accuracy, compliance and reportability of this listing. Please validate this information with XXXX XXXX and provide me with copies of any documentation associated with this account, bearing my signature. 
In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611. Please provide the names and business addresses of each individual with whom you verified above so that I may follow up. Please send me an updated copy of my credit report after your re-investigation. 

In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification.

I do not consent to e-Oscar or any means of automated verification. Failure to respond satisfactorily within 30 days of receipt this complaint may result in a small claims action against your company, for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. 

CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/year> ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of addresses that I have never lived at before. 

These addresses were used to open accounts in my name : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NY. XXXX XXXX XXXX XXXX, XXXX, NY. XXXX XXXX XXXX XXXX XXXX, XXXX, NY. XXXX XXXX XXXX XXXX, XXXX, NY. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY. XXXX A copy of an FTC report listing the products opened in my name is enclosed. My consumer FICO credit report now contains multiple fake addresses as a result of these accounts. A copy of your consumer FICO credit report, which includes the aforementioned bogus addresses, and a list of the questioned addresses are attached. The aforementioned addresses, as reported, are unfamiliar to me. I never began using the aforementioned addresses that are listed on my consumer credit record that you maintain. The addresses listed above are all the product of fraud and identity theft. I've included a copy of the FTC Identity Theft Criminal Complaint # ( XXXX ) as official documentation from the US Federal Trade Commission demonstrating that the addresses listed above are all the product of fraud and identity theft.
Product: Mortgage

Chase failed to make insurance payment to XXXX. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX from escrow account by XX/XX/year> which resulted in termination of insurance. Was unable to find replacement insurance. Chase has now increased my mortgage payments by XXXX XXXXXXXX to pay for new insurance. I cant afford it. It was their mistake and they need to take responsibility for it.
Product: Credit reporting or other personal consumer reports

My credit score has dropped by XXXX points because they miscalculated my XXXX balance as having {$260.00} but it was {$0.00}. This happened on XX/XX/XXXX and XXXX ( XXXX and TransUnion ), days after I paid it all off. XXXX posts only on the XXXX of each month. I have paid it all off on XX/XX/XXXX. My credit score has dropped due to a miscalculation and XXXX has had a huge history of miscalculating peoples credit scores due to their fault program. They have constantly violated the Fair Credit Reporting Act and have violated my rights. At this point, it is a federal offence as my credit activity is definitely not reflecting my credit score based on XXXX reporting. The same goes for TransUnion right now. My credit score drop needs to be reversed, otherwise they are committing fraud.
Product: Credit card

My Apple Card credit card is blocked and I no longer have access to the Apple Wallet. Which is the only way to manage the card. I can't make payments or check history. 

Apple ID : XXXX XXXX
Product: Payday loan, title loan, personal loan, or advance loan

I traded in a vehicle that was bought out to receive the XXXX XXXX XXXX I have now. I believe there was extra interest applied I want to refinance and havent been able to Im told by credit acceptance I owe XXXX $ and my pay out amount is XXXX. The transmission has slipped on vehicle it now no longer works or comes on. I wanted to see if Im being treated fairly for me as a woman have no knowledge of these things. Please help me now I am without a car and having a hard time refinancing
Product: Debt collection

This company has threatened me numerous times and I 've requested numerous times to not contact me and yet they are still doing so! They are practicing illegal activities and should get in trouble!
Product: Checking or savings account

Cashapp refused to send me to a Supervisor on XX/XX/year>
Product: Credit card

My Capital One credit card is supposed to be linked to my XXXX account and I am supposed to automatically be able to use points to make purchases on XXXX. For the last XXXX months this has not been possible. I have spoken to both XXXX and Capital One, and neither company knows anything about when this will be fixed. They are both aware of the issue but have no way to fix it, supposedly.
Product: Debt collection

UNITED RESOURCE SYSTEMS ACCT : XXXX Total : {$1500.00} Someone stole my identity, got arrested in Mississippi, and received healthcare from at least XXXX XXXX XXXX  XXXX XXXX. 

My identity was stolen please help. 

I know there are probably more bills that are fraudulently in my name this is all I have currently.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attempted to send letter to all three credit bureaus ( transunion, XXXX, XXXX   ) with no solution. These letters was first sent to the bureaus on XX/XX/2019 with only a response from TransUnion that I should contact the creditors, which I did at the same time as the bureaus. XXXX and XXXX provided no response and no deletion for the unauthorized inquiries. On XX/XX/2019 certified letter was mailed out again to the bureaus ( XXXX, XXXX and XXXX ) for the same inquiries and I also mailed letters to each creditor that sent those unauthorized inquires.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair reporting act. This list of accounts has violated my federally protected consumer rightsto privacy and confidentiality under 15 USC 1681 15 U.S.C 1681 section 602a states i have a right to privacy.

15 U.S.C 1681 section 604a section A also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681 A person may not furnish any information relating to a consumer to any consumer reporting agency if the person knows or have reasonable cause to believe that information is inaccurate. 

1. XXXX XXXX sent a letter of validation with no response account XXXX.

2.XXXX XXXX XXXX  account XXXX XXXX XXXX  3. XXXX XXXX account XXXX,
Product: Credit reporting, credit repair services, or other personal consumer reports

Unauthorized Hard Inquries XXXX. JPMCB Auto Finance XXXX, XXXX ph # XXXX XXXX. JPMCB Card Services XXXX, XXXX ph # XXXX
Product: Vehicle loan or lease

I took a loan with OneMain Financial Group for {$12000.00}. I did not know that the loan was attached to my car. I thought this was a personal loan only. Later, I found out that this was a secured loan and it was attached to my car. I am having a financial hardship and OneMain Financial Group forced me to pay the first payment of {$570.00}. it looks like this payment was for interest only. I just know that this payment was for interest only. They didn't tell me about this before. Then, they asked me to pay {$410.00} monthly for 72 months. I told them that I could not make this payment due to my financial hardship. They harassed me on the phone and forced me to make the payment. Later, they asked me to pay {$200.00} for interest only for this month and they will add another payment month at the end ( this means that I have to make 73 payments ). I told them that I could only pay {$110.00} for interest only per month for six months before I could resolve my financial hardship. So far, they have forced me to make {$200.00} for interest only for this month. They do not agree to accept {$110.00} per month for interest only. 

They have called me and emailed me every day and I have to discuss this with them every day. This is a nightmare for me now. I can not focus on my daily work and activities.
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. 

List of Unauthorized Inquiries : XXXX - XXXX XXXX  - XXXX XXXX  - XXXX XXXX  - XXXX XXXX  - XXXX XXXX  - XXXX XXXX  - XXXX XXXX XXXX - XXXX XXXX  - XXXX XXXX XXXX XXXX - XXXX XXXX - XXXX XXXX  - XXXX XXXX  - XXXX XXXX  - XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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

Debt was medical, but I have full health insurance to this day and can prove, but refuse to take off my credit!!!
Product: Credit card

I had a cash advances totaling {$930.00} on XX/XX/year>. I paid {$1300.00} to AMEX, after already paying my minimum prior, from XXXX. AMEX intentionally violated Federal Law by applying all payments over minimum to the lowest interest rate bracket. They did not apply them to the highest interest rate bracket. This total of {$930.00} should've been adjudicated prior to hitting the statement. Since then, I have continually paid well over this amount in surplus over minimum, yet AMEX has wrongfully, never applied any of this to the highest interest calculation pool. A rep claimed the amount was {$1000.00} in XXXX. In XXXX and XXXX the combined surplus over minimum payment should've covered this. To this day, the Cash Advance balance is {$1300.00}, showing AMEX has never applied as much as {$.00} to the highest accruing interest bracket, and has allowed it to continue to ride, well in violation of Federal Law. 

The employees " XXXX '', " XXXX, '' and " XXXX '' all claim it is acceptable to apply to lowest interest rate balances in the order of promotional rate, Standard rate, then Standard Cash rate. This is exactly inverse of US Federal Law. I have numerous screenshots showing calculations and payments that this should've been adjudicated, yet excess payment over the minimum was applied to lowest interest pools first instead of highest interest pools, first. They have admitted to this wrongdoing in writing, yet claim it's policy and was in the cardholder agreement. A cardholder agreement does not supersede Federal Law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had a consistent issue with credit reporting agencies. For one Transunion won't allow me to get a free credit report unless I pay their subscription fee I have tried to get one through free credit report.com and it will not allow me to pull one. Also, my XXXX XXXX XXXX account is constantly reported as inaccurate. Just recently after a dispute they have reopened my account on my credit report which is a flagrant violation of the FCRA as they are attempting to re-age/keep the account open longer and change factual information related to the dates. I have submitted a 609 and 611 letters to XXXX and XXXX they both ignored the 609 letter requesting sources of information used and to provide those to me. ALSO I submitted a 611 letter just recently demanding they provide me the sources of contact etc used for their investigation XXXX no longer lets me submit disputes on the account and tries to prevent me from disputing it at all. The account in question has repeatedly opened and closed the account attempted to re-age and reports incorrect balances on all bureaus resulting in financial hardship resulting in denial of Mortgages loans etc when I would otherwise be able to attain these loans. I understand the account is on their for a reason BUT they flagrantly try to ruin and destroy my credit through shifty and shady means and the credit bureaus illegally are allowing this to happen. Also, I have tried a credit repair companies several to say the least to fix the issue and they flat out told me they will not process disputes because I use a thrid party and they believe the disputes are fraudulent as it is not me. Whereas under the FCRA it is my right to use a third-party credit repair company at my leisure and I am well within my legal right to as well. Please look into and charge/fine the 3 bureaus for failure to follow federal law under the FCRA as they refuse to help consumers and only strive to help creditors ruin and damage a person 's credit report to try and force them to pay a time-barred debt. ALso clarifying that Transunion will not allow me to access a credit report and or allow me to dispute any items except through XXXX XXXX unless I pay their XXXX monthly fee or they have illegally locked me out due to the fact I did use a third party credit repair agent to try and fix items under my behalf such as XXXX XXXX
Product: Debt collection

ERC has called my mom and husband regarding my contact information stating that I have outstanding debt that needs to be paid. They have also called me. I do not have any outstanding debt and my credit reports are clean.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I received a copy of my consumer report and recognized some accounts that do not belong to me. I requested the bureaus investigate as well as provide me with any contract bearing my wet ink signature on it. I also filed a FTC Identity theft report. I want these items removed immediately. I did not authorize these accounts I have no knowledge of them. 
XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX These 5 duplicate accounts need to be verified or deleted
Product: Checking or savings account

Beginning XXXX I have received a total of 12 fees on my checking acct. Pnc hasnt taken into consideration that deposits were made to cover the amount overdrawn. In fact a recent deposit of XXXX was made to my acct but because I was charged 4 XXXX fees my acct is still overdrawn. The deposit was made Sunday but wasnt available in my acct until Tuesday. I spoke with XXXX regarding my fees for earlier in the month and I was denied any reversal. Over XXXX in fees is excessive. I would like a reversal.
Product: Payday loan, title loan, or personal loan

The loan was paid off and they are still texting and calling me after I have told them not to call or text anymore. I also sent verification of my receipt where it was paid off.
Product: Vehicle loan or lease

Sales price XXXX times the car value. I had full coverage insurance and insurance wouldn't pay balance off over value
Product: Mortgage

Back in XX/XX/XXXX I was connected with Movement Mortg and the Loan officer XXXX XXXX which i dealt with took my loan processing all the way til 2 weeks before closing which at that point i had paid {$270.00} for pre-purchase inspection and also paid {$500.00} for home appraisal and then he stopped everything cause previously I had claim bankruptcy including a property that i had and because of a date that XXXX XXXX XXXX removed our names off after i was discharged from the bankruptcy, the reason for bankruptcy was my husband had XXXX and could n't work for over a year, at that point XXXX stated that i can pickup the process and no problem should happen come XX/XX/XXXX, so at the beginning of the year I was introduced to XXXX XXXX, with her it seems that i was given the round around, she had stated that to increase my credit score to qualify, i would need to pay off my credit cards which i did and it cost me another {$430.00} and for what? nothing, she just told me that my debt ratio equals my income?? I was promised and given the run around twice. The only way that I can get approved now is if i have a co-signer as per XXXX, ater this she emailed me that she gave my file to someone else, which is un-professional even when i told her to keep my file open to see if I can get a co-signer. I feel that i was taken advantage of and lied, if I did n't qualify, i should of been taken as far as I was taken, this has cost me XXXX and money!
Product: Credit reporting or other personal consumer reports

Debt recovery solutions recently put a collection on my report with an open date of XX/XX/2024. I have no knowledge of this account, I have not opened any account in the last 6 years and I have never used XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX I entered into a 12 month covid relief plan over phone with XXXX in which I would not be responsible for making payments per federal policy. When I checked my credit in XXXX of XXXX in preparation of restarting payments my credit had dropped significantly as 12 missed payments had been placed on all three credit bureaus. I had been traveling as a XXXX XXXX XXXX  fighting XXXX and had not been home in months. I contacted XXXX and they made everything current but refused to remove the late payments from my credit. The representative instructed me to dispute it with the individual bureau which I proceeded to do. Each time my dispute came back that XXXX insisted my payments were late. This is predatory and life ruining and preventing me from purchasing a home.
Product: Mortgage

I entered into a hardship program with XXXX XXXX after my husband had a XXXX XXXX in XX/XX/XXXX. During the program I paid the agreed upon amount around {$940.00} per month until the program ended in XX/XX/XXXX. XXXX continued to report as delinquent throughout the entire program even though we paid as agreed the entire time, I called and wrote to the company several times. Each time I received a form letter that stated that I was on the hardship program, which I understand but I am still paying as agreed. Due to this reporting as delinquent each month for three years our credit rating has tanked. Paying as agreed did not help us at all and my husband is XXXX % XXXX veteran and we can not buy another home or anything else now. 
.
Product: Credit reporting or other personal consumer reports

I am fling a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, XXXX consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Experians actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation. These are the accounts XXXX requesting to be removed : XXXX XXXX, XXXX XXXX, XXXX FUNDING, XXXX XXXX BANK
Product: Credit reporting or other personal consumer reports

My account with ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize these inquiries. XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. Experian : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX