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

It is more so that when I first got the application and filled it out they told us that it would not determine ineligibility and that is why I wanted to appeal. We are at the end of our probation and completed all terms. The things that we undergo in life shapes some people like me and my husband into the people we are predestined to be. Our past obligations should not determine our future and where we stand as citizens. Me and my husband went through a rough time in our lives when our child passed away a few years back. It has helped us to be better people in todays society. We are not XXXX offenders since it was obtained from the national XXXXXXXX XXXX XXXX search
Product: Debt collection

I requested in my cease and desist for a deletion on all my consumer reports from this company. the company replied and only spoke on the communication.
Product: Checking or savings account

I deposited XXXXXXXX XXXX from a social security disability check into chase bank they said the check was fraudulent closed my account and will not release the funds after theyve already been paid for the check they said they will hold the check indefinitely until they can verify the check is legitimate when asked them to contact social security to verify the check they replied it isnt my problem to call them and verify that its legit.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and request an investigation of certain inaccurate and/or negative items that appear in my file. Upon reviewing my records, I have identified the following items that I believe to be reported incorrect. 
Items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I put an fraud alert on all three credit reporting agencies because I did n't authorize any of the following inquiries. I sent letters to the credit agencies and also the company in which inquiries where pulled from and they still remain on my credit report.           TRANSUNION :  XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX  (  XXXX  )  XXXX  Inquiry Type : Individual Requested On :  XXXX / XXXX / XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX  (  XXXX  )  XXXX  Inquiry Type : Individual Requested On :  XXXX / XXXX / XXXX   XXXX   XXXX  BANK  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX  (  XXXX  )  XXXX  Inquiry Type : Individual Requested On :  XXXX / XXXX / XXXX ,  XXXX / XXXX / XXXX ,  XXXX / XXXX / XXXX ,  XXXX / XXXX / XXXX ,  XXXX / XXXX / XXXX    XXXX   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX  (  XXXX  )  XXXX  Inquiry Type : Individual Requested On :  XXXX / XXXX / XXXX
Product: Credit reporting or other personal consumer reports

I was reading my report on XX/XX/year> and saw a few inquires that weren't made by me I tried reaching out to all credit reporting agencies and even put in a complaint with ftc. 
INQUIRES XXXXXXXX XXXX XXXX XXXX I also realized that the credit reporting agencies were reporting incorrect outdated information as well the only address ive been residing in the past 2 years has been XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, WV XXXX
Product: Credit reporting or other personal consumer reports

I've been sending letters to these credit reporting companies for years and no action has been taken and this is hurting my credit and costing me due to accounts reporting negatively to my 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 and I have a letter from the bankruptcy court saying they don't report public record.
Product: Credit reporting or other personal consumer reports

CFPB DISPUTE I am the author of this complaint.

According to the Fair Credit Reporting Act 15 USC 1681 section 602a states " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. " XXXX, XXXX and XXXX are consumer reporting agencies and I am the consumer. 
I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. " XXXX XXXX XXXX, NAVY FEDERAL CR UNION, XXXX is a financial institution under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. " XXXX XXXX XXXX, NAVY FEDERAL CR UNION, XXXX, the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. All consent to XXXX, XXXX, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' XXXX XXXX XXXX, NAVY FEDERAL CR UNION, XXXX never informed me of my right to exercise my nondisclosure option. Not only that, 15 USC 1681C ( a ) ( 5 ) states " except as authorized under subsection ( b ), no consumer reporting agency may also 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. '' These accounts are adverse items, and they are reporting without my permission, which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX, XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " a consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Credit card

I started calling back in XX/XX/year> around the end of the month to take care of this bill. Capital one said that they couldnt discuss this with me because their attorneys have my file. Whenever I reach out to the company listed at this number, sometimes they will answer and say that the person I need to speak with is not available and that they will give him a message to call me. Ive gotten this message a few times. Ive had capital one transfer me to speak with a supervisor of their attorneys but all they could tell me is that the guy I needed to speak with was on a call and they would email him and let him know I wanted to speak with him. No call back was received. This is now XXXX and nothing. Please help! Im running out of options and patience.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called via phone to no avail ... these are all unauthorized inquiries ... and by law ; should be removed ... 
I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 


XXXX : Unauthorized Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX : Unauthorized Inquiries XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX Inquiry :  XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Equifax : Unauthorized Inquiries XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX  Inquiry : XX/XX/XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Due to CPI being added to my account during the length of the loan, my payments were incorrectly labeled as late. This is showing on my credit report and has been a major disruption to gaining credit and loan rates. I have asked that the correct be made on my credit report several times. Since I have been awarded a decent amount of money due to this negligence, I think it would be the right thing to reflect accurate information on my credit reporting. Please update asap. 

Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to file a formal complaint regarding the inaccurate information present on my credit report, as reported by Experian. Despite my initial contact with Experian on XX/XX/XXXX, they have failed to respond or rectify the errors. I kindly request your assistance in resolving this matter and ensuring compliance with federal law. 

Below, I have provided the details of the incorrect information and the necessary corrections : Please remove these accounts from my credit report as it does not belong to me. 

XXXX XXXX - ( Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$1900.00} ), XXXX  - ( Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$2100.00}, Original Creditor : XXXX  ), XXXX XXXXXXXX - ( Account Number : XXXX, Date Opened : XX/XX/XXXX, XXXX XXXX : {$300.00} ), XXXX - ( Account Number : XXXX, Date Opened : XX/XX/XXXX, High Credit : {$2100.00} ) Kindly correct this inaccurate information on my credit report, as the account was never late. 
XXXX - ( Account Number : XXXX, Date Opened : XX/XX/XXXX, High Credit : {$850.00} ), XXXX XXXX - ( Account Number : XXXX, Date Opened : XX/XX/XXXX, High Credit : {$520.00}. 
XXXX XXXX - ( Account # : XXXX, Date Opened : XX/XX/XXXX, High Credit : {$320.00} )
Product: Credit reporting or other personal consumer reports

I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed an account that I wanted a little more explanation on. According to the Fair Credit Reporting Act whenever a consumer reporting agency prepares a consumer report it's supposed to follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. This account XXXX XXXX is not complete and it's not accurate. 

I had placed a call into XXXXXXXX XXXX back in XXXX XXXX XXXXXXXX and spoke with a customer service representative to ask if they could work with my monthly payment due to a decrease in income due to COVID and the pandemic. They stated that they could offer a plan to break up the payments and defer some payments. I asked if this would negatively impact my credit and I was assured that it would NOT. I had not realized that months later they continued to report my account late. This was after assuring me on more than one occasion calling in that they would not be reporting anything late to the credit bureaus. I was shocked to find that they still did ( they reported a balance of {$4300.00} as well as several 30 day lates and a charge off ) given the unforseen circumstances with COVID and my huge loss of income at the time. 

The result of this has greatly reduced my credit score and has put a hinderance on me and my family purchasing our new home. I feel I was poorly communicated to and was very misled on the outcome of my deferment after being VERY well assured that this would not impact my credit. 

I sent a letter on XX/XX/XXXX, asking them to reinvestigate this account and here are my tracking numbers : XXXX and XXXX I got the investigation back but noticed nothing was modified or updated. I requested a description of the investigation and they did not provide it to me which is a violation of 15 USC 168117.
Product: Checking or savings account

I submitted a direct deposit to chase on XX/XX/XXXX. It was a check issued by my employer the XXXX XXXX XXXX  The money was sent to them directly and they have the money. They said that they cant verify my check because they dont have a number and the number provided isnt in their system. I asked them and they called the state controllers office who gave them a number directly to the chp and they wont call it. They have my check sitting in suspense they already have the money deposited and wont release my funds. They said they cant verify my check but wont release it til its verified. I have gone in and talked to XXXX XXXX the vice president of the bank of chase in XXXX who verified it and their online and on the phone executive team will not release the money. XXXX. Payroll check.
Product: Credit reporting or other personal consumer reports

Account info Account name XXXX XXXX XXXX Account number 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: Credit reporting, credit repair services, or other personal consumer reports

There is an unknown collection on my credit reports. Im requested the verification of the collection and the method of verification. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. For the first time no response came in 15 days company did not provide the following proof : Permissible Purpose. My written authorization.
Product: Credit reporting, credit repair services, or other personal consumer reports

The issue is that all three credit agencies are not including my entire lines of credit when calculating my 'credit usage '. All three of them keep looking outside at the creditors who are reporting to them rather than looking at their own miscalculations. I have called and emailed them all but they seem incapable of correcting this error in THEIR OWN records. 

I have spent hours on the phone with them but their agents are not capable of correcting this problem. It is negatively affecting my credit score.
Product: Mortgage

In XXXX of XXXX it was brought to my attention that I was over insured on my residence by XXXX. I was paying almost triple the premium needed for my home and mortgage. My attorneys are now investigating where this payment issue started. We are trying to see if this request for insurance was the request of SLS, the mortgage company. In the meantime, I connected with SLS once the new new insurance was issued and my mortgage payment was reduced by almost XXXX a month. In additon, they informed me that they would be doing an escrow analysis and I would be hearing from them with the amount. 
On XX/XX/XXXX, a check was issued for {$17000.00} from SLS to me. 
The check was number XXXX. The check was never received by me. I called numerous times and finally on XX/XX/XXXX, I received a letter from SLS stating I had not cashed the check and would I like it reissued? I called immediately and they said they would stop payment and re-issse check. It would take 6 weeks. I offered my fedex account, wire, etc. and they said this was their process and mail was the only way. 6 weeks to the day I called again because no check. I even changed my adress to make sure I received the check. As a matter of fact, I received other mail from them including bills and statements. I called six weeks later because no check arrived! I was told that the check request never went through and they would put it through immediatley. Now it would take ten days! I called every week and then every day. Each time a different story. They would say they did not see a new check request, or it takes up to 4 weeks, on and on. Finally, 8 MONTHS later, on XX/XX/XXXX, I spoke to a represenative who advised me a check was issued and it was in the mail! She said she was looking at a copy. I checked the mail every day and it arrived 7 days later for {$10.00}, XXXX less! The check was for {$7600.00} without a letter, notice or expalnation. Imagine never calling or explaining. When I called and had to leave ten or more messages, and call very day before a call back, I demanded a supervisor and would be put on hold for over 40 minutes and asked to repeat the story over and over. I was told they made a mistake they should have never mailed the money. It was there error and this is all I was getting and they put the XXXX back into my escrow account. I asked what if I received and cashed the check in XXXX -- - NO ANSWER! This is unacceptable and all they were to be doing is issuing a replacement check. WHY did they take my money. I expected this money and need this during this finacial crisis. each time i call and get a suoervisor they say the escrow team is looking into it and they will call back at XXXX the next day -- NO CALL!!! if they do, we start all over again. PLEASE HELP!
Product: Credit reporting or other personal consumer reports

JPMCB has violated my right to privacy by reporting this account information. No written consent was given by me granting them access to report any of my personal and private information, nor to communicate any payment history on my behalf.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm respectfully requesting that a 30 day late payment be removed. Thought I opted for automatic payments but I guess it didn't go through. So I'm wanting to remove from my credit report that the 30 day late be removed so I can purchase a home. The loan has been paid off on XX/XX/2022 XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Our mortgage for XXXX XXXX is not being reported on our credit report and is adversely affecting our credit scores and causing us to receive higher interest rates on credit cards and car loans. We have previously reported the issue with CFPB complaint number XXXX and this problem needs to be fixed. According to XXXX XXXX customer service they are reporting to the following credit reporting agencies : XXXX, Innovis, XXXX and XXXX XXXX but our mortgage is not on the credit report.
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I hope this letter finds you well. I am writing to dispute the late payment history that is currently reflected on my credit report under the accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX account XXXX XXXXXXXX According to my records and my understanding of the Fair Credit Reporting Act ( FCRA ), late payment history should not be reported on this account. I kindly request that you investigate this matter and take the necessary steps to remove the late payment history from my credit report. 

XXXX, TransUnion XXXX XXXX XXXX has violated my rights under 15 USC 1681 section 604 a section 2 which states a consumer reporting agency can not furnish an account without my written instructions and under 15 USCS 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. 

I am fully aware of my rights as a consumer under the FCRA, which mandates that information reported on my credit file must be accurate, verifiable, and complete. In accordance with the FCRA, I am entitled to request that any information I believe to be inaccurate, or incomplete be investigated and corrected promptly. 

The late payment history reported on these account is not consistent with the payment history that I have maintained. As a result, my credit score has been negatively affected, and I am experiencing difficulties in securing favorable credit terms.

In light of the FCRA, I kindly request that you : Verify the method of reporting that these creditors are using to reflect late payments on these account sand ensure that it complies with FCRA guidelines. 

Investigate the accuracy of the late payment history in question. 
If the late payment history is found to be inaccurate or incomplete, please take the necessary steps to remove it from my credit report. 

Update the account status to " Pays as Agreed '' to accurately reflect my credit history! 

I understand that, under the FCRA, you are required to complete your investigation within 30 days of receiving this dispute letter. During this time, I request that you place an appropriate notation on my credit report to indicate that this account is under dispute. 
Please provide a written response within the statutory 30-day period, detailing the results of your investigation and any actions taken to rectify the inaccuracies on my credit report. If you require any additional information from me to facilitate this process, please do not hesitate to contact me at the phone number or email address provided above. 

I appreciate your prompt attention to this matter and your commitment to upholding the Fair Credit Reporting Act. Your assistance in resolving this issue is crucial in ensuring the accuracy and fairness of my credit report. 

Thank you for your immediate attention to this dispute. I look forward to a timely resolution of this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Hunter Warfield is attempting to collect a debt ( {$360.00} ) on behalf of XXXX XXXX XXXX but refuses to provide validation of the debt. I initially requested the information orally. I asked the staff to stop contacting me because they were abusive and would never supply the documentation, yet said they would. In 2021, I began requesting debt validation in writing ( XXXX and XXXX, 2021 ). They have supplied two letters- ( 1 ) one letter stating they are attempting the collect a debt with the amount listed and ( 2 ) another letter stating the debt and a offered with reduced amount to settle the balance. Hunter Warfield sent a letter dated XX/XX/2021 stating their " records indicate we have previously provided you with validation of the debt based on the same dispute. As we have previously fulfilled our duty to provide you with verification, we do not plan to respond to any additional requests ''. I have not received any debt verification despite multiple requests.