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

I have noticed inquiries on my Experian credit report that I do not recognize or that appear to be duplicates. These inquiries are negatively impacting my credit, and I kindly request their removal. The details are as follows : XXXX. XXXX XXXX  Inquiry Date : XX/XX/XXXX Removal Date : XX/XX/XXXX Type : All Banks - non-specific XXXX. XXXX XXXX XXXXXXXX Inquiry Date : XX/XX/XXXX Removal Date : XX/XX/XXXX Type : XXXX XXXX XXXX XXXX Phone Number : ( XXXX ) XXXX XXXX. XXXX XXXX, XXXX XXXX Inquiry Date : XX/XX/XXXX Removal Date : XX/XX/XXXX Type XXXX XXXX XXXX XXXX XXXX  Phone Number : BYMAILONLY XXXX. XXXX XXXX  XXXX  ( duplicate entries ) Inquiry Date : XX/XX/XXXX Removal Date : XX/XX/XXXX Type : XXXX XXXX XXXX XXXX Phone Number : ( XXXX ) XXXX Inquiry Date : XX/XX/XXXX Removal Date : XX/XX/XXXX Type XXXX XXXX XXXX XXXX XXXX  Phone Number : ( XXXX ) XXXX XXXX. XXXX XXXX Inquiry Date : XX/XX/XXXX Removal Date : XX/XX/XXXX Type XXXX XXXX XXXXXXXX XXXX XXXX XXXX : ( XXXX ) XXXX I kindly ask for these unauthorized or duplicate inquiries to be removed from my Experian credit report. Thank you for your attention to this matter.
Product: Credit card

I have been enrolled by Macy 's American Express card into " Credit Protection '' program without my consent. I called them to un-enroll. I still received an letter stating that I am enrolled in the program. I called them again to clarify - upon which agent mentioned that I was enrolled during the application itself and I was indeed unenrolled in XXXX 2016. The first enrollment did not happen with my consent and the second letter I received on XXXX XXXX does not reflect current state of my enrollment.
Product: Vehicle loan or lease

Capital One Auto finance charged off a car in XXXX of 2019. According to the Fair Credit Reporting Act, when a creditor has written the account off as a loss the account is closed to future charges. Since I have recently disputed this account it now appears that I have 2 charged off reposessions. I would like this removed XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing of my records, I am upset on what is happening to my credit report and found out that there is questionable item. The listed account below is erroneous. I did not incur any late payments. Ive made every payment paid on time. You did not proofread the report and did not make sure it was 100 % correct. Here are the details : XXXX XXXX {$590.00} / XX/XX/20XXXX 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

On XX/XX/XXXX I mailed an Opt Out Notice and validation request to XXXX, XXXX and Transunion. 

I requested that all accounts be validated request listed below : Copy of my written consent to form a credit report on behalf of entity XXXX XXXX XXXX ; The amount they claim the Principal owes them ; A letter of explanation showing me how they have computed the amount ; Contract with both WET INK Signatures ; Copies of any document that prove I agree to pay the alleged amount ; The identity of the original creditor ; Confirmation that the account has not reached the statute of limitation ( SOL ) period ; Evidence that they are a licensed debt collector ; Evidence of your license numbers and your registered agent ; XXXX, XXXX and Transunion ignored my request and continued to report after I opted out and revoked my permission. 

They were informed of the privacy act of 1974 as well as all other violations below. Then notified a 2nd time on XX/XX/XXXX after ignoring the 1st Demand. Also demand notice was sent on XX/XX/XXXX. ( see demand Notice ) The privacy act of 1974 15 USC 6802 15 USC 1681 Violation of 15 USC 1681a ( 2 ) ( a ) ( 1 ) Violation of 15 USC 1681 ( a ) ( 2 ) Violation of 15 USC 1681 ( a ) ( 4 ) Violation of 15 USC 1681 ( b ) ( c ) Violation of 15 USC 1681 ( b ) Violation of 15 USC 1692 ( f ) Violation of 15 USC 1681n Violation of 15 USC 1681s-2 ( a ) ( B ) ( i ) ( ii ) Violation of the Fair Credit Reporting Act ( F.C.R.A. ) Violation of the F.D.C.P.A 20 USC 1232G Defamation of character XXXX, XXXX and Transunion are in violation of multiple US Codes, Privacy Act of 1974, Family educational and privacy rights and FCRA.

All accounts currently being reported are to be removed from my credit report Per 15 USC 6802. Except for XXXX card services account XXXX, XXXX and Transunion are in violation of many of my rights as a federally protected Consumer.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the continued presence of inaccurate addresses on my credit report. Despite prior disputes, these incorrect addresses remain listed : These addresses do not belong to me and are irrelevant to my credit history. I have previously submitted documentation confirming my correct addresses, but this errors persist, violating the Fair Credit Reporting Act ( FCRA ). Their continued presence could negatively impact 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 XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

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

15 U.S.C 1681 section 602 A. States I have the rights 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: Bank account or service

I was unemployed in XX/XX/XXXX and my checking account with Wells Fargo went negative {$500.00}. I recvd a settlement ck XX/XX/XXXX went to Wells Fargo to correct my account but was told it could not be done. I had to open a new account. I asked to pay off the negative balance on my original account but was told " no, that can wait, pay us when you can ''. I have received no requests to date for the debt owed. On XXXX XXXX the money was taken from my account without authorization. No phone calls, no letters, just taken. My new account is now negative and they have returned checks from my utility payments. I
Product: Credit reporting or other personal consumer reports

My mortgage payment had increased due to tax increase. I did not receive the notice because I was in the process of moving. I did explain that to the company and they did not take that into consideration. I was set up for auto payment. They did receive the payment every month they just did not apply it. They applied it to *partial payment unapplied*account and marked me for late payment. I called the customer service and the lady I spoke with told me she submitted reversal for the late payment and everything was going to be OK. Then when I called after the problem was still not resolved they had me write a letter to dispute which it did not go anywhere. Its still showing on my credit report. Please help to resolve this. Thank you in advance.
Product: Student loan

Great Lakes adds interest DAILY to my student loans. Over approximately XXXX years, I have paid {$9000.00} " toward my loan '' yet the loan amount is actually MORE than when I was moved over to the company. ZERO has been paid to principal. By the time I finish paying my loan in, I think they said XXXX, I will have paid over {$40000.00} on approximately {$28000.00} in loans.
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to place a credit freeze on my account with Equifax and failed to do so. There automated system wouldn't work. I dialed XXXX and tried 4 times. Failed every time. I called XXXX and spoke to a person. I gave them Name, address, social security number, date of birth, and they kept asking questions about past loans. I've paid everything off and have no debt. I can't remember all my past loans to tell them. They were very frustrating. I asked to speak to a manager and got the same results. Her name was XXXX. She would not give a last name. I was unable to place a freeze on my credit with Equifax, I called XXXX  and XXXX and had no problem. I gave their automated systems much less information and successfully placed a credit freeze on my account.
Product: Credit reporting or other personal consumer reports

I have included the information provided by the loan servicer that is trying to get me to pay my student loans from XXXX  all over again. They did not submit my payment history for which the federal website proves I paid faithfully from XXXX. XXXX serviced my loans and failed to record payments apparently. I have provided the only info that I could find after all this time to prove I paid. I want them off my credit report without having to incur the cost of taking them to court.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX. XXXX XXXX I wrote to the credit bureaus and requested that they confirm the debt listed on my report. They have replied with the statement that everything has been correctly confirmed. My credit report still contains errors. 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: Credit reporting or other personal consumer reports

I recently settled a charge-off account with XXXXXXXX XXXX XXXX XXXXXXXX for a reduced payment amount agreed by both parties. According to the agreement, I paid {$130.00} on XX/XX/XXXX, to satisfy the total remaining balance of {$270.00}, under the condition that the account be marked as " Paid in Full./Settled '' Despite fulfilling my part of the agreement, my credit report from XXXX inaccurately reflects multiple late payments ( Times XX/XX/XXXX Days Late : XXXX ), whereas reports from XXXX and Equifax correctly show no late payments ( Times XX/XX/XXXX Days Late : XXXX ). These discrepancies have negatively impacted my credit score and could hinder my financial opportunities. 


Actions Taken : I have contacted the credit bureaus requesting that they update my credit file to accurately reflect my payment status and remove any incorrect late payment notations. 
I have filed disputes with XXXX to correct the inaccuracies. However, the response was unsatisfactory, as the report still contains errors. 

Request for CFPB Assistance : I request the CFPBs assistance in investigating these discrepancies and compelling XXXX XXXX XXXX  XXXX and credit bureaus to correct my credit report to accurately reflect the status of " Paid in Full '' and remove incorrect late payment records. It is crucial that my credit report reflects accurate information as per the Fair Credit Reporting Act. 

Enclosed are copies of my settlement agreement, proof of payment, and communications with XXXX XXXX XXXX  XXXX and XXXX regarding this matter. I am willing to provide further documentation as required. 

Thank you for your attention to this urgent matter. I look forward to your prompt response and a resolution to these inaccuracies. 

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

I am writing to formally complain about TransUnion 's inadequate investigation into a dispute I filed regarding incorrect information on my credit report. Despite providing substantial evidence, TransUnion failed to address or correct the inaccuracies in my credit file appropriately. My accounts should reflect the same information across all credit bureaus. From what I see this is not the case. I sent a dispute before this one acknowledging the fact that I wanted to dispute the accounts below that I'm re-disputing because I didn't receive a response back about my last dispute. Please look into my concerns. The information reporting is not accurate as as a result I am requesting it be addressed. XXXX : Account number : XXXX, This account is inaccurate. Remove this account ASAP. XXXX XXXX  : Account number : XXXX, I was never late. Update this on my report. XXXX XXXX | XX/XX/2022 : Account number : N/A, I never authorized these inquiries. Update this on my report. XXXX XXXX XXXX Account number : XXXX, This debt is stating it is a charge off with a balance of {$0.00}. The debt was forgiven. How can it be a charge off? This is no debt to charge off. Remove this account ASAP. XXXX XXXX XXXX : Account number : XXXX, This account is paid and never late. Update this on my report. XXXX XXXX : Account number : XXXX, I dont recall ever being late on this account and the information reporting on this account isnt reporting accurately. Update all the late payments to paid on time. XXXX XXXX : Account number : XXXX, I dont recall ever being late on this account and the information reporting on this account isnt reporting accurately. Update all the late payments to paid on time. As quickly as possible, the information needs to be removed from my report if you find that the information reported in incomplete, inaccurate, and unverifiable. Due to the lack of responding to my prior dispute one can assume that this falls under estoppel by silence. Since this seems to be the case I would appreciate the adherence to my request involving these accounts. There has been a grave mistake in your reporting because the material is false and deceptive.These inaccuracies have significantly harmed my creditworthiness, affecting my ability to secure credit and favorable financial terms. I request the CFPB to investigate TransUnion 's handling of my dispute, ensure a proper investigation is conducted, and mandate the correction of any inaccuracies in my credit report. Attached are copies of all relevant correspondence and evidence. Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been waiting for the investigation results from XXXX, Experian and XXXX regarding this account : XXXX XXXX Account # XXXX but it has been more than 45 days and I still haven't received any response regarding my dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a auto loan with Santander Consumer USA that was opened in XX/XX/XXXX. My account is current, my last payment made was XX/XX/XXXX of {$450.00}. On their website through the customer portal my account reads current/on time but on my credit report it shows the account, closed, in collection/ charge off as bad debt and is listed with a derogatory payment. I have disputed this through XXXX and XXXX 5 times now. They did update the balance but that was all they were able to do My account is it closed or in a derogatory status or in collections I am making my payment monthly. The representative I spoke to even shared with me that yes the account is in good standing snd I make my payments on time This company is not accredited with the XXXX and is currently under investigation for signing people into loans they know they would default on. I believe my account was victim to this tortuous behavior. 

Please help
Product: Vehicle loan or lease

I had lease with Ally on XXXX XXXX XXXX XXXX in XX/XX/XXXX I trade my Ally lease for XXXX XXXX XXXX with Ally again the problem I have Ally withdrew from my account for payment on XXXX XXXX the lease that was satisfied on XX/XX/XXXX the payment was withdrawal on XX/XX/XXXX for the car that I didn't owned and now they can find the money they withdrew on XX/XX/XXXX and credit the right account as original conversation with representative on XX/XX/XXXX and he said that money was found and will be relocated to XXXX XXXX XXXX account it's been 6 weeks and XXXX results
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Transunion are reporting incorrectly that I am 120  days past due on the XXXX accounts. Please see the attached spreadsheet of reporting bureaus and account numbers. Also, please reference pages 5, 7 19 of the attached credit report. These accounts report a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. Please change the coding to XXXX. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested that the credit reporting agency validate the following information more than 5 months ago with no response. 
XXXX XXXX XXXX  I XX/XX/XXXX {$1000.00} XXXX XXXX XXXX I XX/XX/XXXX {$1100.00} XXXX XXXX XXXX I XX/XX/XXXX {$470.00} XXXX XXXX XXXX XX/XX/XXXX {$34.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX accordance with the fair credit reporting act XXXX  account # XXXX, has violated my rights. 
15 usc 1681section 602 states I have the right to privacy.

15 usc 1681 section 604 A section XXXX : it also states a consumer reporting agency can not furnish a account without my written instructions.. 
15 usc 1666b ; A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

I need this information to be reviewed, it is inappropriate information with negatives and does not belong to me, I want it to be removed immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act Now, this aband beenelatist Fpohant aations have caused significant inconvenience and gigra finaricial loss, and I seek appropriate redress for these violations.
Product: Mortgage

Not a duplicate, this is a request for additional information that was not provided in response to the first complaint with additional questions. 


JP Morgan Chase bank N.A. left the former property owners debt parked debt on my property XXXX XXXX XXXX, XXXX NY XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  up until XX/XX/XXXX. I would like an answer as to why the previous owners debt mortgage satisfaction was not resolved at my closing in XXXX? Chase had stated : " We revied our system of records and found under loan ending in XXXX, that the lien release with instrument # XXXX was recorded on XX/XX/XXXX, for mortgage dated XX/XX/XXXX, in the amount of {$60000.00}. The information you requested has surpassed our seven-year retention period allotted for account information to be held in our system of records. '' Chase 's memory limitation of seven years means they do not want to answer legitimate questions. No reason was given for the purpose of leaving XXXX XXXX 's debt on my property to be satisfied 16 years later just after a wrongful foreclosure proceeding began by XXXX XXXX Bank in XX/XX/XXXX. After my closing in XX/XX/XXXX with XXXX XXXX, the former owner debt was supposed to be worked out and mortgage satisfactions recorded with the XXXX XXXX clerk. If the lender fails to record a satisfaction within set time limits, the lender may be responsible for damages set by statute for failure to timely cancel the lien. XXXX XXXX and XXXX XXXX both require a mortgagee to execute a satisfaction of mortgage and arrange to have the satisfaction recorded within 30 days in New York. What was Chase Banks relationship with the XXXX XXXX clerk whereby they did not have to file mortgage satisfaction in a timely manner as per the statute? What was Chase 's financial motive for not executing the mortgage satisfaction? Did Chase receive the {$60000.00} from XXXX XXXX? Did Chase want to use the debt on the property for a deed of trust for their mortgage backed securities? Were there previous mortgage satisfactions filed with the county clerk after XX/XX/XXXX and XX/XX/XXXX by Chase Bank?
Product: Credit reporting

XXXX XXXX XXXX is showing a line of credit on my credit report under the name of XXXX XXXX. This account is not mine. The bank refuses to give me any information on the account, because my name is not XXXX. They will not remove this fraudulent information from my report. I have also submitted several attempts to dispute the inaccuracy with the credit bureaus. This has severely damaged my credit and are ruining my purchasing power. Bottom line is my name is not XXXX XXXX, I did not open an account with XXXX XXXX and this should not be on my credit report. I have never been late on any of my payments with any company.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, After 3 months of trying to get Experian on the line in order to fix my identity issue, I reached a new bottom with Experian. 
I've been trying to obtain 3 credit bureau reports using free annual credit report.com and only with Experian I'm not able to verify my identity, AGAIN. 
After calling Experian again for another week I managed to speak to a rep that literally didn't have a clue of my issue and had 0 will to help, transferred me to a supervisor ( XXXX ) just in order to give politically correct answers. 
Literally told me that there is nothing I can do to fix it. 
I just won't accept it, Experian holds information on people 's lives and once they need to fix the minor issue they won't even deal with it. 
Shame on them I want to fix it ASAP as I'm not able to apply to any creditor that checks my credit with Experian