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

On XX/XX/2023 I contacted XXXX and XXXX and had a freeze placed on my credit report. I received confirmation that it would take 24 hours for the freeze to be placed. On approximately XXXX XXXX I contacted XXXX about removing a XXXX  from my consumer credit report that was listed fraudulently, they informed me they would have to investigate it. 
I received a letter dated XX/XX/2023 from XXXX stating the bankruptcy came back verified as mine and it was verified using XXXX, which could not be true because I called XXXX and they told me that I, indeed, have a freeze on my account.
Product: Credit reporting or other personal consumer reports

On XX/XX/2024 consolidation of my student loans was completed and successfully transfered from XXXX to XXXX. XXXX was paid in full! On XX/XX/2024 I disputed a new inquiry from XXXX in the amount of XXXX via Equifax after investigation they still deemed the information accurate.
Product: Vehicle loan or lease

I wanted to purchase my lease car from XXXX XXXX XXXX. I went to my bank Chase, and took out a loan for the vehicle to include the pay off amount and sales tax - this was through Chase Auto Finance. I was quickly assigned the loan and started making payments, but Chase did not send the check to pay off the car until it was past due, even though they told me they had everything. Now they have sent the check to pay off the loan but will not send the sales tax amount of XXXX - I keep calling and sitting on the phone with them in conference with XXXX and they agree that they will send the check. Then they do not and I receive a call from XXXX saying they can not transfer the title. I do not know what else to do. I have ask several times and the tax amount is included in the loan I am paying on.
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 the blocking of the erroneous information which is being posted to my report. 

Here are the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX Original creditor : XXXX XXXX XXXXXXXX XXXX Balance : {$2200.00} XXXX XXXX XXXXXXXX Original creditor : XXXX XXXX XXXXXXXX XXXX Balance : {$2400.00} XXXX XXXX XXXX Original creditor : XXXX XXXX XXXXXXXX XXXX Balance : {$2000.00} XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX : {$310.00} XXXX XXXX XXXXXXXX Original creditor XXXX XXXX XXXX XXXX XXXX XXXX : {$2700.00} XXXX XXXX Inquired XXXX XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX - XXXX XXXX Inquired on XX/XX/XXXX XXXX - XXXXXXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXXXXXX XXXX Inquired on 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: Debt collection

On XX/XX/18 I was informed by XXXX XXXX that Bonneville Collections had increased the amount owed on a debt. This is not the first time. My original debt was XXXX and they have raised it to XXXX
Product: Debt collection

First Credit Services contacted me and told me i have a debt that needs to be paid off. They asked me numerous times to provide my bank information through the phone but I was adamant on not doing so. They referred me to using their website to make the payment. Now its been months and they call me on the daily up to this day. It marked on my credit score
Product: Debt collection

I left my apartment with a zero balance in a month to month lease. This property had no structured management therefore after paying the last month rent to the maintenance man I was unable to retrieve my security deposit or sign out of the property correctly. I decided to move on leaving my deposit. I recently checked my credit report and after 4 years this collection showed up. I checked to see if the property still remained and was able to reach a extremely difficult and uncooperative manager that would not help resolve the issue. I was told I did n't give management notice so they kept my deposit which was one months rent and added a $ 1500+ debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Now account # XXXX amount XXXX XXXX/XXXX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

JP Morgan Chase ( Chase ) bank has a service called Credit Journey which summarizes members ' credit scores from XXXX. NOTE : my XXXX data is correct ; it is Chase that is incorrect. 

My XXXX XXXX summary is screwed up, showing the wrong person 's personal credit data, including credit card, and auto loan balances, employment, and address history. And, yes, I can identify that person due to his employment and address history. 

Some of my Tax Data is screwed up as well, with this other person 's Social Security number on my 1099-INT forms, so while I have received tax forms in the mail, I can not access these forms on the Chase website. 

This error on my Chase Private Client Form 1099-INT for my checking and savings account goes back to the form issued for the tax year XXXX. Does this mean the other person has had additional interest income reported by Chase to the IRS for XXXX, XXXX, XXXX, and now XXXX? 

I have had multiple discussions with my Chase Private Client Banker, who has escalated this twice. Both times the escalation teams have expressed great concern over the error, but they can not change my social security number in the system ; only my banker, upon my providing a photo ID and Social Security Card, in person and fix this. I have appeared in front of him twice, providing the necessary documentation. 

It was readily apparent the escalation team 's level of concern went up when I related that I had already met my banker, provided my ID and Social Security card and the condition was not fixed.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX Balance : {$62.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX : {$0.00}
Product: Debt collection

I received a letter dated XX/XX/XXXX from Capio Partners with notice of debt related to a balance due from XXXX XXXX XXXX date of service was XX/XX/XXXX. I called to try and obtain more information as I have not had any communication from XXXX XXXX XXXX and was unaware of any balance owed. She immediately asked how I would like to arrange payment or they will report my debt to the credit bureau. I advised her that I have XXXX checking accounts and as this matter is aged, I am not sure whether I had already paid this balance and it would take time to research. She referred me to the Client rep, representing XXXX. I call that number and basically received the same notice that if I do not provide proof within a certain timeframe, they will report me to the credit bureau. Especially, since two years have transpired before I received any notices in this regard. 

I feel this is unfair collection methods.
Product: Student loan

Attended XXXX College and XXXX College - XXXX made many promises about helping me to get employment and or counseling for employment and they were shut down for fraud and were not able to fulfill all their promise. XXXX College promised me that they were not shutting down and one day I showed up and the doors were locked. I have informed Nelnet of this and applied for loan forgiveness based upon fraud. I have called several times and they said they never received my application so I did it again. I called and they stated they didn't get it so I had to resubmit again. I called and they stated they didn't get it so they sent me another one. I can not seem to get them to accept an application for cancelation. There is excuse after excuse that they did not receive my application. I have looked at the qualifications for cancelation and believe that I am eligible. I am contacting my local congressman as well.
Product: Credit reporting or other personal consumer reports

According to 1666b. A consumer law for late payments being reported on your consumer report .without following the laws and legal practices. On my XXXX consumer report theres a late payment from a lender. That should be removed because of these laws.
Product: Credit reporting or other personal consumer reports

The errors on my credit report significantly impede my financial freedom. I continue to face rejections for new credit applications due to these inaccuracies. It is incredibly frustrating that my consumer rights are being violated in this manner.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Last reported : XX/XX/2019 {$36000.00} THIS ACCOUNT HAS BEEN PAID IN FULL /XXXX BALANCE.
Product: Credit reporting or other personal consumer reports

Recently, I reviewed a copy of my credit report and noticed that there are fraudulent accounts on my report. These accounts are not mine, and I have no connection to them. Since they are negatively affecting my credit score and my ability to rebuild it, I kindly request that you remove these fraudulent accounts from my credit report. 

This request is made under the Fair Credit Reporting Act, which protects me from inaccurate or misleading information in my credit report. I would appreciate your prompt attention to this matter and confirmation of the removal of these fraudulent accounts from my credit history. 

I am attaching copies of the necessary documents to verify my identity and support my request. Please let me know the status of this claim as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good morning, I applied for a mortgage with XXXX XXXX. When they pulled my credit report, there is many credit card company mentionned many times. I would like to ask you if CFPB could help erase XXXX XXXX XXXX ( XXXX XXXX XXXX ), XXXX XXXX XXXX in my credit report because they block me to get a loan. I used to pay XXXX XXXX XXXX XXXX dollars monthly to relieve my debts. 

I attached the 2 pages of the Credit Report and the letter I received from CFBP. 

XXXX
Product: Debt collection

L J Ross Associates Inc has failed to validate an " alleged '' debt in the amount of. According to the FDCPA, the validation information must include : ( c ) Validation information. Pursuant to paragraph ( a ) ( 1 ) of this section, a debt collector must provide the following validation information. ( 1 ) Debt collector communication disclosure. The statement required by 1006.18 ( e ). Official interpretation of 34 ( c ) ( 1 ) Debt collector communication disclosure. Show ( 2 ) Information about the debt. Except as provided in paragraph ( c ) ( 5 ) of this section : ( i ) The debt collectors name and the mailing address at which the debt collector accepts disputes and requests for original-creditor information. Official interpretation of Paragraph 34 ( c ) ( 2 ) ( i ). Show ( ii ) The consumers name and mailing address. Official interpretation of Paragraph 34 ( c ) ( 2 ) ( ii ). Show ( iii ) If the debt collector is collecting a debt related to a consumer financial product or service as defined in 1006.2 ( f ), the name of the creditor to whom the debt was owed on the itemization date. Official interpretation of Paragraph 34 ( c ) ( 2 ) ( iii ). Show ( iv ) The account number, if any, associated with the debt on the itemization date, or a truncated version of that number. Official interpretation of Paragraph 34 ( c ) ( 2 ) ( iv ). Show ( v ) The name of the creditor to whom the debt currently is owed. Official interpretation of Paragraph 34 ( c ) ( 2 ) ( v ). Show ( vi ) The itemization date. ( vii ) The amount of the debt on the itemization date. Official interpretation of Paragraph 34 ( c ) ( 2 ) ( vii ). Show ( viii ) An itemization of the current amount of the debt reflecting interest, fees, payments, and credits since the itemization date. A debt collector may disclose the itemization on a separate page provided in the same communication with a validation notice, if the debt collector includes on the validation notice, where the itemization would have appeared, a statement referring to that separate page. Official interpretation of Paragraph 34 ( c ) ( 2 ) ( viii ). Show ( ix ) The current amount of the debt.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on 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
Product: Credit reporting or other personal consumer reports

When I went to review my credit profile there were some inquiries that were not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCreditReporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX  XXXX Bankruptcy XXXX XXXX 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 or other personal consumer reports

I am writing to formally dispute the accuracy of an account being reported on my credit report. 
The account in question is XXXX XXXXXXXX XXXX  XXXX and is currently showing a charge-off status with a credit utilization of 285 % .This information is inaccurate and misleading as it is mathematically impossible to have a credit utilization exceeding 100 %. This erroneous reporting is negatively impacting my credit score and hindering my ability to obtain credit.I request that you investigate this matter promptly and remove the inaccurate information from my credit report. Enclosed is a copy of my credit report for your reference.I look forward to your prompt attention to this matter. Please contact me at ( XXXX ) XXXX or XXXX if you require any additional information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax removed an inaccurately reported banruptcy on XX/XX/2020 from my account and then re added the account XX/XX/2020. I was not notified that the banckruptcy would be re added.
Product: Checking or savings account

Received a sudden email notice of forced closure on XX/XX/XXXX at XXXX. I called customer service same day and was told to call back as he was unable to assist with account restriction/closure. Called back and spoke with an agent twice on XX/XX/XXXX. Agent stated she will open up a case to see if the funds could be returned and account reopen. Agent states that she is unable to provide any information regarding closure or even any written confirmation that a case is being open up to reopen the account. The account holds my emergency funds which should have no suspicious activity as I have not attempted to transfer any funds. It is concerning that I was told the fund no longer belongs to me as the account is forced closed and no one I contacted has been able to guaranteed a return of my funds or even provide a written confirmation about the issue.
Product: Debt collection

I called the company on XX/XX/2020 to find out how to send over my police report and they refused to give me any information about the account.
Product: Credit card or prepaid card

Previously contacted chase pertain to cancel recurring payments to XXXX service cancels back on XX/XX/XXXX through XXXX. 

The company cant find my credit card ( over seas department ) or my charges. 

3x times called today XX/XX/XXXX XXXX and spend over an hr.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 list of Inquiries. 


15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

I called credence on XX/XX/XXXX. I stated I filed chapter XXXX and was discharged on XX/XX/XXXX and its almost been a year I dont know why they have not informed the other company and took it off. The rep stated that they have not heard back from my lawyer or judge to confirm but its in there system for chapter XXXX. It felt kind of odd because when I call debt collector they ask me for the the date and discharge number which I give them. It takes normally a couple of days or a week before it is removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently reviewed my credit reports and noticed some errors. On XXXX XXXX, XXXX I wrote a letter to the Equifax credit reporting agency to investigate these errors. The error in question is related to credit inquiries which do not fall under the allowed " permissible purpose '' as described by the Fair Credit Reporting Act 15 U.S. Code 1681b. On XXXX XXXX, XXXX, I received a response back from Equifax indicating that an investigation had been done. The investigation results only stated that the inquires are " a factual record of file access ''. with no further information provided. The results of the investigation that I received does not follow 15 U.S. Code 1681i - Procedure in case of disputed accuracy describes in detail the procedure that is supposed to be used for proper investigation or errors by Equifax.. As described in the Fair Credit Reporting Act, I asked for Equifax to supply me with - the name and title of the person that requested my report - the date that I allegedly gave permission - And the method that I the creditor claims that i allegedly gave permission. I asked to include documentation. ( none received ) Instead in the response I received from Equifax, I was asked to contact the creditors in question. ( essentially, I am the one being asked to conduct the investigation! ). No further information was provided. This does not follow 15 U.S. Code 1681i -  Procedure in case of disputed accuracy of the Fair Credit Reporting Act which Equifax is legally required by law to follow. In light of this, I am appealing to the CFPB to intervene. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have written several letters asking equifax to provide information on how they verified that the collections and were accurate information that was listed on my credit report. They just keep sending letters stating verified and update my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

After sending information to verify myself with my disputes ( XX/XX/2019 ) by means of a Credit Repair Organization, Equifax has failed to respond. They have violated the FCRA, it has been more than 30-days. Please see below. 

ACCOUNTS XXXX XXXX not mine XXXX XXXX not mine
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 


15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the
Product: Checking or savings account

XX/XX/2023 at XXXX pacific time. I when to deposit the cash amount of {$2700.00} at the Bank of America ATM ID XXXX located at the parking lot of the XXXX XXXX located at XXXX XXXX XXXX XXXX, XXXX XXXX Ca XXXX. 
We deposit the money at the money slot, machine took the money and just completed the transaction without giving any receipt. Free our card. We automatically check our banking application and notice the money wasn't credited. We call the number of the ATM and they told us they couldn't help. We tried calling the bank but customer service is not responding.