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

I have disputing some incorrect information on my Experian credit report 3 time on report number XXXX and XXXX and XXXX each time I received a response back in 2 weeks. Each time the failed to properly investigate and sent back items were updated. I have read and followed FCRA to get an proper investigation but, I have failed to get a proper investigation. My 1st letter I sent in asking under FCRA section 609 ( 5 ) ( A ) to delete all unverifiable information that was discovered on my credit report. The second letter I ask under ( 609 Disclosure to Consumer ) My file documents Experian used to verified my accounts. They have failed to correct after 2 attempts. This is a voilation of The FCRA.

The 1st error is my XXXX XXXX account they have it listed as a charge off account. This is an error XXXX  is reporting it correct as a apaid as agreed account. I dispute this with the furnisher and they email me back stating that is not a charge off account. I have been trying to get Experian to correct this mark. I have attached the email XXXX dispute department sent me to prove this. I sent this email into Experian and Experian refused to correct. 2nd dispute XXXX XXXX XXXX they are showing a 30 day late payment in XX/XX/XXXX i disputed this error. Now XXXX XXXX and XXXX all reporting no 30 day late payment. I sent copies of the other credit reports and show you are the only credit report showing this late payment. They still have not changed the status. 

The 3rd error is XXXX XXXX I am disputing this account and ask for my file Under 609 Discclosures to Consumer asking for file to verify this account. Experian sent me back saying updated all Experian did was move the charge off date from XX/XX/XXXX to XX/XX/XXXX just shows they are not properly investigating any information on my report. 

The 4th and last item XXXX XXXX this is an error again I ask for my file disclosures they used to verify this account they have failed to do so. How does the cunsumer get the credit reporting agency to investigate your information. I ask Ask them to remove an address I have never lived at a PO Box address they refused to remove. I askThe are not suppose to be parroting information but do an investigation to make sure they are reporting correct information. Please help in this matter
Product: Bank account or service

To whom it may concern, I want to report transactions that I look at in my accounts, I kept all those papers for my files, but do not check because I had confidence with Wells Fargo Bank a few months ago. Using transactions I noticed quite a few transactions of the bank which charged things exaggeratedly high, I demand the institution clarify those charges, which I only received a letter where they are not responsible or offer me an explanation for the high penalties they gave me, which exceed more Of {$200.00} dollars in consecutive dates day by day, demanded my money and an explanation.
Product: Debt collection

PORTFOLIO RECOVERY is attempting to collect on a fraudulent debt that I do not owe nor authorized. I have never done business with this company and just the fact that they have access to my private and personal information without my consent is causing me great mental anquish. I have NEVER agreed to or transacted to do any business with PORTFOLIO RECOVERY or any of its affiliates and my identity has been comprised and I will seek relief if not rectified and deleted immediately. This reporting is fraudulent and a violation of my rights under FCRA, FDCPA and my right to privacy.
Product: Checking or savings account

Account opened email received on XXXX for an account I did not open or authorize. Card on the way email received on XXXX for card associated with account I did not authorize. 
Called number on the email where the automated system could locate my account, offered a call back so I didnt have to provide additional information to authenticate. Call back received and then when I expressed the account was opened without my authorization they wanted me to provide information to authenticate because they couldnt find the account without the information. Feeling this was a potential scam I did not provide information. The company is called Chime. The phone number provided to call if the account was not authorized is XXXX. 
The company would not close the unauthorized account without me providing additional information.
Product: Checking or savings account

I jad a charge that the bank deemed valid it was for XXXX XXXX lrepaid and i never got service they refused to givenme my money and charged me for services not rendered i told them that i had to pay twice for the servives and still did NOT recieve my money back the charge was for XXXX on XX/XX/11
Product: Credit reporting or other personal consumer reports

I am writing to follow up on my previous dispute letters, which were submitted on [ dates of previous disputes ]. According to the Fair Credit Reporting Act ( FCRA ) Section 605, you are required to investigate and respond to disputes regarding inaccurate information in my credit report within 30 days. 

As of today, I have not received a response to my disputes. I kindly request that you address these inaccuracies immediately and provide me with the results of your investigation. If the disputed information can not be verified, please ensure that it is promptly removed from my credit report. 

Thank you for your attention to this matter. I look forward to your prompt response.
Product: Credit reporting or other personal consumer reports

I sent a DISPUTE LETTER to XXXX and they REFUSE to delete the HARD Inquires and accounts on my credit report. They did not properly do their investigation. Haven't sent me any forms to VERIFY that shows me they did. Asked XXXX how did they verify this accurate, who they talked to, what time, the person name they talked to, what did they say, any proof that it was me, how did they accuracy these hard inquires and accounts, to send me documentation that they actually did their job and validated these accounts. They also have a charge off on my account that is connected to a third party that i did NOT do any type of business with. Don't know that company at all ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  all closed off on my account. I asked for 1099 and still haven't received any documentation. I filed with the FTC but it's not letting me upload the documentation on website.
Product: Credit card

Dated XX/XX/XXXX I received a letter from Chase that said thank you for applying for a new Chase Freedom XXXX XXXX XXXX account we reviewed your application and we're unable to approve this account for you at this time. I called Chase at XXXX XXXX and spoke to the fraud department because I never submitted an application for a credit card. The fraud department representative XXXX with Chase told me that somebody had attempted on XX/XX/XXXX to open a credit card under my name using an IP address. They told me to freeze my credit reports which I did and to report to the police of victim of fraud in XXXX XXXX which I attempted to do and they were unable to help. Chase did remove the attempt from my credit report but there was no other assistance they could give me XXXX told me that he was unable to tell me who the XXXX address was due to their rules and regulations and that only the police department could tell me that after they investigated. The police department told me that yes that could be true but if the person who attempted the fraud is in XXXX XXXX XXXX state they are not able to assist.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a different account for XXXX XXXX XXXX HAS REPORTED MY ACCOUNT TO TRANSUNION LATE IN ERROR. THE REPORT SHOWS I WAS LATE XX/XX/XXXX, XX/XX/XXXXAND XX/XX/2015 AND THIS INFO IS NOT CORRECT.
Product: Credit reporting, credit repair services, 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. 

.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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: Mortgage

On XX/XX/XXXX I was informed my loan was going to transfer servicing companies. I made my XX/XX/XXXX payment on XX/XX/XXXX and was assured it would be forwarded. The agent at Visio Financial ( the investor ) XXXX XXXX also told me that my loan was current although my XXXX payment hadn't been received yet ( it was still XXXX so not over 30 days past due ). In early XXXX I received a few documents from XXXX XXXX dated XX/XX/XXXX and a temporary payment coupon for approx. {$910.00} for my XX/XX/XXXX payment. I called to confirm as I had over {$400.00} in a suspense ( unapplied funds ) account. I was then informed that they did not have my XXXX or XX/XX/XXXX payments and I was considered to be in default and as such were invoking a 36 % default rate. I sent XXXX XXXX an email and left 2 voice messages and received no response. I called XXXX and they referred me back to XXXX stating their contact, XXXX XXXX ( XXXX ) would be in contact with me. I explained to XXXX the problem, I was in default and every payment had been made. He told me in XXXX there was $ 400+ in unapplied funds but was not able to see the funds at the current time. Since then, the XX/XX/XXXX payment has been applied. The XX/XX/XXXX payment still has not been applied nor have my unapplied funds in suspense been recovered. That amount would have more than covered the shortage for XXXX and XXXX which totaled less than {$100.00}. XXXX XXXX requested my bank statements proving all payments. I sent the statements redacting only the dollar amounts for other debits and credits not related to the mortgage. Today, XX/XX/XXXX he sent me an email stating they cant be redacted as they have to see ALL my credits and debits regardless of what they are for. That is my personal information ands not related to the payments for the mortgage. I closed this loan in XX/XX/XXXX and my first payment was due XX/XX/XXXX. In XX/XX/XXXX the servicing was transferred and I made an additional payment in case it was my XXXX payment was lost in the transfer, it wasn't. In XX/XX/XXXX I skipped a payment as I was 1 month ahead due to the additional payment in XX/XX/XXXX. I also made over payments in which the funds were to be applied to unapplied funds ( suspense ) which is now unaccounted for. I am attaching my bank statements in the same format as I submitted to XXXX. I have not missed a payment nor am I in default. I also would my unapplied funds returned.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information that is being reported on my credit report. 

Specifically, the following items are incorrect and are negatively impacting my credit score : Account Name :XX/XX/XXXX Account Number : XXXX Balance : {$2700.00} Reason : I previously disputed this account. I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof of the negative payment status for this account, or delete the negative information in this account. 

Account Name : XX/XX/XXXX Account Number : XXXX Balance : {$1000.00} Reason : I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. 

Account Name :XX/XX/XXXXAccount Number : XXXX Balance : {$1000.00} Reason : I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. 

INQUIRIES : EQUIFAX : XX/XX/XXXX on XXXX/XXXX/2024 XXXX TX XXXX on XXXX/XXXX/2024 XX/XX/XXXX on XXXX/XXXX/2024 XX/XX/XXXXXX/XX/XXXXon XXXX/XXXX/2024 XX/XX/XXXX XXXX XXXX XXXX on XX/XX/year>2024 XX/XX/XXXXXX/XX/XXXX on XXXX/XXXX/2024 XXXX : XXXX XXXX on XXXX/XXXX/2024XX/XX/XXXXL on XXXX/XXXX/2024 XX/XX/XXXX XX/XX/XXXX on XXXX/XXXX/2024 XXXX XXXX XXXX XXXX XXXX/XXXX/2024 XXXX XXXX XXXX XXXX XXXX XX/XX/scrub>/2024 XXXX XXXX XXXX XXXX XXXX/XXXX/2024 XXXX XXXX XXXX XX/XX/scrub>/2024 XXXX OF XXXX on XX/XX/year>2024 XXXX : XXXX on XX/XX/year>2024 XX/XX/XXXX on XX/XX/year>2024 XXXXXX/XX/XXXX on XXXX/XXXX/2024 XXXXXX/XX/XXXX on XX/XX/year>2024 These items are either inaccurately reported or have already been resolved, and I kindly request a thorough investigation and correction. I have previously contacted both the credit reporting agency and the data furnisher, but the issue persists. I have attached supporting documentation and screenshots of my credit report to highlight the inaccuracies and support my claim. Please investigate this matter promptly and update my credit report to reflect accurate information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
SOCIAL SECURITY XXXX XXXX .... Balance : - ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a severe issue with the credit bureaus. All my accounts that is reporting is out of statue of Limitations. Creditors have been selling out statue debt to collection agencies. This is clear violation of the FDCPA. I never authorized none of the action to take place. These accounts Ion there should of been deleted a long time ago. Some accounts I have no knowledge whatsoever!
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Reporting Agencies and Collection Agencies violated the Law.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX ( XXXX XXXX ) Account # XXXX Account Rating IUR Type : INSTALLMENT Loan Type : AUTOMOBILE Responsibility : I Remarks : Credit Limit : High Credit : {$7000.00} Terms : Balance : Past Due : Last Payment : Charge Off : Opened : XX/XX/XXXX Paid : Closed : XX/XX/XXXX Verified : XX/XX/XXXX Update Method : LOCKED DUE TO BANKRUPTCY IT HAS BEEN PAID OFF FROM MORE THAN 7 YEARS SINCE XXXX. THIS INVALID INFORMATION IS REFLECTED ON XXXX, TRANSUNION, AND XXXX. THIS IS REPORTING NEGATIVELY AND IMPEADING ME FROM MOVING FORWARD WITH MY FINANCIALLY WITH NEEDS MY FAMILY HAS. THIS ISSUE HAS TO BE RESOLVE AS PER ADVICE OF ATTORNEY. THE INFORMATION OF COURT DOCUMENT HAS BEEN PROVIDED TO PRIORITY XXXX XXXX XXXX XXXX XXXX  AT XXXX XXXX XXXX XXXX XXXX, FL XXXX AND I HAVE CALLED AND SAT WITH SEVERAL REPRESENTATIVES IN FACILITY. GIVEN EDVIENCE AND NO RESOLVE FOR THE PAST TWO YEARS AND RECENT MONTHS.
Product: Credit reporting or other personal consumer reports

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

On or about XX/XX/XXXX, XXXX reported several late payments marked as past due on several accounts reporting on consumer 's XXXX account. One of the accounts is JPMCB ( XXXX ). Its reflecting late payments for the months XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I've already contacted JP Morgan Chase XXXX ( JPMCB ) in regards to the late payments, in which I submitted a good will complaint via phone to JP Morgan Chase XXXX to update the accuracy of the account, and to update the late payments to reflect paid on time. JP Morgan Chase XXXX refunded consumer of all late fees, but the account still has not been updated to reflect accurate and " PAID ON TIME ''. This inaccuracy is affecting consumer 's credit worthiness and fairness of reporting per FDCPA and FCRA standards of reporting and accuracy. XXXX is obligated to report compliantly and to 100 % truth, correctness, completeness, timeliness, and documented irrefutable proof of ownership and responsibility of any allegations of adverse aspects to an account or of a derogatory account in and of itself. XXXX knows an account CAN NOT report 60,90 days prior to 30. I have already informed XXXX that there is inaccurate reporting on THIS ACCOUNT. The other inaccurate account that's reporting on consumer 's report is XXXX ( XXXX ). This account is reporting inaccurate, consumer reached out to XXXX in regards to the inaccuracies of late payments being reported for XX/XX/XXXX, this XXXX account has always been in deferment, so there should never be any late payments reflecting on consumer 's credit history for any and all XXXX accounts. Per the XXXX XXXX data formatted standards of legal reporting of consumer accounts and profile history and per the Fair Credit reporting act, namely section 609 a1A, it is in CLARITY that XXXX is MANDATED to retain COMPLIANCE at all times, particularly upon notification by an infringed consumer that XXXX is deficient of its requisites to report adequately and a challenge ( or dispute ) is lodged versus any data information previously NOT proven PHYSICALLY to be affirmed valid or is UNABLE to be demonstrated as true, accurate, complete, timely, and otherwise fully compliant to laws upon a documented declaration of concern by the consumer.
Product: Debt collection

I made a good faith attempt to pay this debit, but they deliberately black list me, so now I am homeless and have to depend on living with relatives because I can not rent a place of my own. The debit keeps increasing, the ownership has changed hands and I am still a XXXX XXXX XXXX XXXX woman without my own place to live because the information sharing of this company. The XXXX XXXX owners kept my security deposit as well, so this debit is truly not owed.
Product: Credit reporting, credit repair services, or other personal consumer reports

The major credit reporting agencies currently charge consumers for a credit freeze. 

It is unconscionable that these companies use our personal information without consent, and do not properly protect the data in their care ( see the recent XXXX breach ), and then charge us to freeze our credit reports. 

All credit report freezes/unfreezes should be free, especially in the light of the recent XXXX breach that put 140 million people at risk of identity theft. Credit reporting agencies should n't be able to profit off of their own negligence by charging their unwitting and unwilling consumers for a credit freeze/unfreeze.
Product: Mortgage

Since XX/XX/2019 for last 2 years, I have been trying to modify this loan. Each time, I sent documents for modification, they will come up with something else. Either Signature is missing or sent the lease, got back to me after weeks that the lease needed to be dated under the signature panel even though the lease has been properly dated. Meanwhile the automated system is keep saying, my application is pending review and no further documentations are needed, which is purely misleading as I found. Because of that, I have lost few more months just by thinking my modification is just going fine. The 2nd issue with this company, they are keep telling me to submit the lease for the property that I am trying to modify. I have told them 5 times to different rep that I this is the primary residence and there is no lease on it but I had to explain them in 5 times which cost me another 2 months. 
At this moment, I am reaching out to this department because I strongly feel that this bank is intonationally doing this NOT TO GIVE ME THE MODIFICATION AND TO TAKE MY HOUSE SO THAT, THEY CAN SELL THIS ON AUCTION WAY MORE THAN THE MONEY I OWE TO THEM. I therefore am asking this department to step up and to help me to keep my home. Thank you!
Product: Credit reporting or other personal consumer reports

I am writing to inform you of the violation of my rights under 15 U.S. Code 1681c-2 and 15 U.S. Code 1681b, as well as my victimization of identity theft, as documented by an FTC report on file ( Reference Number : [ XXXX  ). I kindly request your prompt attention to this matter and the immediate removal of the following fraudulent accounts from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX a hard inquiry was made to Experian by XXXX XXXX XXXX for a credit card. I also noticed a hard inquiry on XX/XX/XXXX. Both were for a credit card. While I am a XXXX XXXXXXXX XXXX customer I did not submit an application for a new credit card on either dates. I called XXXX XXXX XXXXXXXX. They did not see a new credit card account in my name as being opened. They suggested I call Experian to start a dispute. I called Experian and opened a dispute on the hard inquiry. They suggested I go to FTC.gov to submit a report. The FTC.gov site referred me to consumerfinance.gov.