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

In accordance with the fair credit reporting act. The last of account below has violated my federally protected consumer rights to privacy and confidentiality under U-S-C 1681. 
Account name : XXXX XXXX XXXX Account number # XXXX Account name : XXXX XXXX XXXX Account number # XXXX Has violated my rights. 
15 U-S-C 1681 Section 602 A- stat 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 Instruction.

15 U-S-C 1681 C- ( A ) ( 5 ) Section State : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, any other than records of conviction of crimes which antedates the report by more than seven years.

15 U-S-C- 1681-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer agency if the person knows or has reasonable cause to believe that the information is inaccurate. I am a natural person, I am a living human being I have right under 15 U.S.C 1681.
Product: Credit reporting, credit repair services, or other personal consumer reports

EQUIFAX IS REPORTING AN ABSOLUTELY FRAUDULENT AND UNKNOWN ADDRESS ON MY CREDIT REPORT< IN A TOTALLY DIFFERENT STATE> THIS IS THE INCORRECT ADDRESS SHOWN ON MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX???? 
NEVER BEEN THERE AND THERE NEVER LIVED THERE! RIDICULOUS! 
THIS ADDRESS SHOWED UP OUT OF NOWHERE ON MY CREDIT REPORT ON XX/XX/XXXX, AND I BELIEVE THIS IS A RETALIATION ATTEMPT BY EQUIFAX TO PURPOSELY MESS UP MY CREDIT REPORT, DUE TO THE FACT THAT I HAVE BEEN DISPUTING ACCOUNTS WITH EQUIFAX RECENTLY! 
EQUIFAX EVEN JUST SENT ME A LETTER TO MY HAWAII ADDRESS ( SEE ATTACHMENT ) I DISPUTED THIS ADDRESS WITH EQUIFAX AND SENT THEM A COPY OF MY HAWAII DRIVERS LICENSE - YET EQUIFAX SAID THIS FAKE FLORIDA ADDRESS IS VERIFIED- WHAT A FRAUD AND VIOLATION OF MY RIGHTS- I WILL CONSULT WITH MY LAWYER AND CONSIDER A LAWSUIT, IF THIS FAKE ADDRESS IS NOT REMOVED IMMEDIATELY!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act convergent account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 604A section 2 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 was shopping for a pre-owned vehicle with a reputable dealership not too long ago and was denied a loan because although 2 of the big three credit reporting agencies had my scores in line with what I expected, this dealership chose to send my credit application to XXXX Bank who uses a company call XXXX XXXX for its credit reporting. My score is completely low with this small agency and I have never heard of them nor have I given them my consent to investigate my background. 

I had to put a stop with Ally to ever accepting a credit application with my name on it simply because this little company was dragging me down. In terms of how they obtained my score and where this information came from, I have called and written time and time again, to no avail. 

Please stop this, what I see to be, a fraudulent company from continuing to being allowed to partner to large banks. 

XXXX
Product: Credit card or prepaid card

On or about XX/XX/2022 Citibank was contacted and I explained my situation of unemployment and no income due to being medically disqualified to continue my 25 year career by a federal agency. I requested auto pay option be stopped as well. Only a few XXXX $ balance. I thought my card ( s ) and account would be suspended without penalties due to my situation ( best scenario for everyone involved I thought ) 40 years total of employment and credit building all down the tubes.Documentation was declined/refused and only response I received was " you still have to pay and on time if no penalties '' I reminded them of no income, and the response was " we have a payment plan '' Same as my former employer-punished and penalized for being sick.. I'm not asking for freebies, just a realistic amount of time ( up to social security etc ) ... not to be punished. I guess I'm supposed to XXXX XXXX XXXX XXXX XXXX XXXX or my XXXX XXXX XXXX XXXX to appease them..
Product: Credit card or prepaid card

I submitted a complaint to Wells Fargo bank regarding a dispute about an airline ticket in which XXXX  XXXX refuses to resolve an issue with me in regards to a cancelled flight. I was unable to use the ticket because of the stay at home order due to COVID-19  so I wanted to get a refund or a credit with XXXX  XXXX. I was unable to reach them through email and through phone so I initiated a dispute with my bank. When I initiated the dispute with my bank XXXX XXXX  removed my itinerary completely and there was no record of the flight whatsoever in my name. Wells Fargo ended up siding with XXXX  XXXX  after the dispute because of the fact that they " offered me a resolution '' when in fact they did not. Their policy states that they will be giving credits to all customers affected by the COVID-19 pandemic when in fact they did not honor that.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to get this information clear up from all three of my credit report. The bureau inform me that they would not investigate again. The items on my report should have been of my report because the seven years has been up. They have me down as late payment on my mortgage. My report is not right I have tried several times with them to get it resolved. I have call each credit bureau at sixteen times concerning my credit report. I am a  XXXX veteran. Im getting depressed dealing with this..
Product: Credit reporting or other personal consumer reports

Disputed inaccuracies on my report. Many accounts listed I do not have knowledge of. No investigation done and no information provided to me on the accounts. Only states that it meets the credit reporting criteria.
Product: Debt collection

XXXX will not remove the account off my report. I'm trying to get a mortgage so I paid the debt. Explained it was not mine. It came back fraudulent from XXXX and XXXX and they deleted it. XXXX will not. I have never been to XXXX. I don't know where it is but I have XXXX collections from there on XXXX. I called XXXX, disputed on phone and online and they still won't show me accurately that it's my collection because it isn't.
Product: Credit card

I am filing this formal complaint against JPMorgan Chase Bank concerning the abrupt and unjustified closure of my Chase XXXX XXXX account. As a high-net-worth individual, actively involved in several businesses, and a loyal Chase customer for nearly a decade with an impeccable payment history, I find Chases actions both unprofessional and deeply concerning. 

I received a vague letter from Chase stating that my account was closed due to " inappropriate behavior, '' with no specific explanation. After numerous unreturned calls and six unanswered voicemails, I was finally informed by an unhelpful representative that the closure was allegedly due to disputes I had filed over the past 12 months. These disputes, fewer than 15, were all legitimate and ruled in my favor. Labeling valid, consumer-protected disputes as " inappropriate behavior '' is not only misleading but also undermines the fundamental principles of consumer rights. 

This sudden closure caused significant inconvenience, particularly as some of my authorized cardholders were left stranded internationally without access to credit. Chase failed to provide any prior notice or an opportunity to address the issue before terminating my account, which is unacceptable for any financial institution, especially one promoting elite, premium services. 

I am seeking the following resolutions : Immediate review of my account closure and reinstatement if appropriate. 

A pro-rated refund of the annual fee for the unused portion of the calendar year. 

Compensation for the inconvenience and financial disruption caused. 

A review of Chases dispute-handling policies to prevent such arbitrary actions in the future. 

I trust that your organization will investigate this matter thoroughly to ensure that Chase is held accountable for its unfair practices.
Product: Credit card or prepaid card

On XX/XX/21 I was charged XXXX by XXXX  XXXX XXXX ( Meaning XXXX, PA ) I live in XXXX XXXX, NJ and I do not go to a Fitness center. 

As soon as I seen this transaction on my account ( Approx XX/XX/XXXX ) I disputed the charge. Later I received information that they were going to put the charge back on my account. 

On XX/XX/21 I called MasterCard costumer service, I spoke with " XXXX '' who told me she could not help me and put me on hold from XXXX XXXX  to XXXX XXXX  until I finally had to get back to work. 

I called back about a week later and spoke with " XXXX '' who told me the case was closed I told her that I did not request the service so I should not be charged. I requested to speak with a manager, She told me she would have have the manager call me but that has not occurred.
Product: Credit reporting, credit repair services, or other personal consumer reports

For the last 18 months, Navient has been incorrectly reporting derogatory late payments to my credit files. For the month and year listed below Navient erroneously reported between 60 - 150 days late. According to Navient customer reps, they only report an account late after three billing cycles. To date, I have gathered supporting documentation showing all canceled checks and or debit card transactions for payments under my rate reduction program. Derogatory late months are shown on my credit report ; XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX & XXXX XXXX. Each of the fourteen accounts with Navient shows a mixed bag of derogatory lates ranging from 60/90/90/90/120 or 150+ days late. For the Months of XX/XX/XXXX - XX/XX/XXXX, Navient has granted me a national disaster forbearance, but they are still reporting derogatory for said months
Product: Consumer Loan

My loan started off roughly at about {$17000.00} back in XXXX. It is now XXXX XXXX and at this point my pay off is roughly XXXX. I cant understand how I am only showing that about a XXXX dollars has been paid towards my car loan. The lender will not provide a payment book.
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency generates a consumer report, it must follow reasonable procedures to ensure the maximum possible accuracy of the information related to the individual to whom the report pertains.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, following a reinvestigation under paragraph ( 1 ) of any disputed information by a consumer, an item is determined to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must ( i ) promptly delete the disputed item from the consumer 's file, or appropriately modify the information based on the reinvestigation results; and ( ii ) promptly inform the furnisher of the information that the item has been modified or deleted from the consumer 's file.

Please remove the following items from my credit report immediately : Experian Equifax TransUnion
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the FCRA I am required by law to have accurate and up to date reporting on my credit report and an old address was found on my report. The address is XXXX XXXX XXXX XXXX XXXX, Utah XXXX. Along with an old address their are old employers as well. The employers are XXXX XXXX XXXX and XXXX  XXXX.
Product: Debt collection

I was made aware recently of my information was a part of the XXXX XXXX XXXX and since then I have had over 10 Fraudulent accounts appear on my credit report. I have XXXX reports still showing on my credit report dispute my attempts to dispute the items myself. The following derogatory account was not opened by me and is reporting inaccurate information on my credit report. This account is having a significant impact on my financial wellbeing and should be removed from my credit report immediately. 
LVNV Funding LLC- XXXX
Product: Debt collection

To my surprise, After reviewing my credit report through XXXX XXXX, I discovered that DIVERSIFIED CONSULTANTS had added Derogatory marks onto my XXXX XXXX credit report. I demand to see a copy of the Verifiable, Validated Proof ( an original Consumer Contract with a wet-ink Signature on it, copies of copies are not Validation and by Law are not considered proof ), that you have on file for the account listed above. Under the FCRA, unverified, invalid accounts must be removed. If you are unable to provide the me with a copy of the verifiable/validated proof that you have on file within 30 calendar days from receipt of this notice, for the account listed above then you must at once remove the account from my credit reports. I demand the account be verified or removed immediately! I have also asked these collections agencies : CREDITOR/DEBT COLLECTOR DECLARATION Please provide the following : Agreement with your client that grants you the authority to collect on this alleged debt. Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. Any insurance claims been made by any creditor regarding this account. Any Judgments obtained by any creditor regarding this account. Name and address of alleged creditor. Name on file of alleged debtor. Alleged account number. Address on file for alleged debtor. Amount of alleged debt. Date this alleged debt became payable. Date of original charge off or delinquency. Verification that this debt was assigned or sold to collector. Complete accounting of alleged debt. Commission for debt collector if collection efforts are successful. Please provide the name and address of the bonding agent for XXXX XXXX XXXX in case legal action becomes necessary. Your claim can not and WILL NOT be considered if any portion of the above is not completed and returned with copies of all requested documents. This is a request for validation made pursuant to the Fair Debt Collection Practices Act. Please allow 30 days for processing after I receive this information back. and all I 've received was their letter stating that I owe these debts and some copy of an application and a lease.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX erroneously reporting available credit as recurring balance to credit agencies ( XXXX, Equifax, XXXX ) which has decreased my credit score
Product: Debt collection

I had a loan from a XXXX XXXX place that i paid back and somehow they reported it and sold a loan amount to a collection company only now it is twice as much. I have attempted to get the company to confirm the debt and where the charges are coming from as well as show the payment that i made but it it has not helped. Please help me as this is doing extreme damage to my credit report
Product: Credit card

Please stop contacting me via phone, fax, text, or email. All communication should be sent to me by XXXX certified mail. Any other form of correspondence will be rejected or refused. 


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

Provided necessary documents for loan Deferment and updated credit reporting on over XXXX different occasions and the company has yet to do so. XXXX XXXX is a XXXX XXXX XXXX XXXX who needs to maintain positive credit keep to maintain his security clearance and the company is interfering with such endeavors. XXXX initially provided these documents in XXXX upon entry to the service but your company never updated their records, causing the loan not to show deferred but unpaid and also to default when XXXX was under the impression it was deferred for his time of service. XX/XX/XXXX at XXXX XXXX I Placed the1st Call to Nelnet XXXX XXXX, transferred to XXXX XXXX He instructed me to email current Orders for XXXX XXXX to XXXX & XXXX and they would be able to update the credit reporting from delinquent to deferred at least for the remainder of his XXXX. Sent documents and a recap of our discussion on XX/XX/XXXX at XXXX XXXX. No response sent second email XX/XX/XXXX at XXXXXXXX XXXX. XX/XX/XXXX @ XXXX Placed second call and spoke with XXXX who informed me she needed backdated orders to update the system and they had received no emails pertaining to the situation. I informed her I would submit the documents for a third time and pursue complaints and possibly litigation if XXXX neglected this issue any longer. Provided third request XX/XX/XXXX at XXXX XXXX. After no response, requested again XX/XX/XXXX at XXXXXXXX XXXX. Received response of that request would be reviewed within 15 days and no other info regarding request on XX/XX/XXXX at XXXXXXXX XXXX. Sent final request after company did not follow up after requested 15 days on XX/XX/XXXX at XXXX XXXX. Also sent seventh and final request by email to the ceo and all department email addresses I have been in contact with.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XX/XX/2021, I reported identity theft fraud of the XXXXXXXX XXXX ACCT to the following credit bureaus : Equifax XXXX XXXX After reporting the information, I contacted each of the bureaus via mail with a personal and detail letter stating the fraudulent information. This account has been CLOSED and is STILL on my credit even though I am UNAWARE of the balance or creditor information. I reached out to each of them by phone and requested that the information be REMOVED IMMEDIATELY. I am NOT aware of the information and have never known of the information before. I later received a response that the information had not been updated or changed and that the account would remain on my report due to the information provided from the creditor. 

I am still requesting for the information to be REMOVED IMMEDIATELY.
Product: Credit card or prepaid card

I had a Synchrony Bank/Walmart Credit Credit opened XX/XX/XXXX and closed around XXXX I believe. At the time of closing this account there was a major problem, my issue was this account was paid in full at the location in XXXX, Maryland. The payment that I made didn't post to my account until 3 days later. When I call the Customer Service my payment disappeared Walmart Customers Service said there were having system problems. My credit card account end up going to collection. I recently received a check from Synchrony Bank/ Walmart saying that they issuing me a check for overpayment.
Product: Debt collection

I am writing to file a formal complaint against ONLINE information services, Inc. for multiple violations of consumer financial protection laws that have negatively impacted my credit and consumer rights. Detailed below are the specific violations and the actions I am demanding in response. 

Violations : Failure to Provide Validation Information : Despite placing a collection entry on my consumer report, XXXX XXXX XXXX XXXX XXXX has not provided me with the requisite validation information as mandated under 12 CFR 1006.34 ( b ) ( 5 ). This lack of transparency and due diligence is unacceptable and has unjustly affected my credit standing.

Denial of Dispute Opportunity : In contravention of 12 CFR 1006.34 ( c ) ( 4 ) ( i ), I have not been afforded the opportunity to dispute the account in question. This denial of my right to dispute is a direct violation of established consumer protection regulations. 

Use of Deceptive Practices : The collection tactics employed by XXXX XXXX XXXX XXXX XXXX involve false, misleading, and deceptive means, which is in clear violation of my consumer rights and breaches the trust inherent in fair collection practices. 

Unauthorized Reporting to Credit Bureaus : The agency has reported information to consumer reporting agencies without adhering to the necessary legal disclosures, violating both 12 CFR 1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A ). This unauthorized reporting undermines the integrity of my consumer report and violates statutory requirements. 

Demands : In light of these violations, I hereby : Dispute All Alleged Debts : I am disputing any and all debts that XXXX XXXX XXXX XXXX XXXX claims I owe. I assert that these claims have not been validated and are disputed in full. 

Revoke Communication Rights : Effective immediately, I am revoking XXXX XXXX XXXX XXXX XXXX 's rights to contact me via email, text messages, or phone calls. All future communications should be directed in writing through postal mail. 

Request for Debt Validation : I am formally requesting a comprehensive validation of the alleged debt, including but not limited to the original creditor 's name, the date of the original charge, and the amount of the debt. 

Request for Purchase Agreement : Additionally, I request a copy of the purchase agreement between XXXX XXXX XXXX XXXX XXXX and the original creditor, proving the legitimacy of the debt and the authority to collect it. 

Proof of Licensing and Bonding : I also demand proof that XXXX XXXX XXXX XXXX XXXX is licensed and bonded to collect debts in my state, as required by law. 

I expect a prompt response to this complaint, addressing each violation and demand outlined above. Failure to satisfactorily resolve these issues may compel me to take further legal action, including but not limited to seeking remedies through litigation. 

Please consider this letter a formal notice of the aforementioned disputes and demands. I look forward to your timely and comprehensive response.
Product: Debt collection

I have asked Capio Partners to validate a collection they are reporting on my credit reports on XXXX/XXXX/16 and they have failed to provide anything that would support the fact that they are attempting to collect on a debt without an agreement or contract. Nor have they supplied anything other than a statement on XXXX of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this complaint for myself because I did not consent to, or authorize nor benefit from any of the following accounts and incorrect addresses. Please Block and remove it.