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

I am contesting the information on my credit report that I believe is not correct. In accordance with the FCRA Section 611 ( 15 U.S.C. 1681 ( l ) and in accordance with the accepted STANDARD of metro 2 data field reporting. The information has not been proven to be true, correct, or verified.I can't recognize any allegations of wrongdoing without any factual proof. I challenge the reportability of any such claims. According to the federal and state laws that apply to me, you are required to report information accurately and completely. You should not keep or report anything that you know is not in compliance with the law or regulations. I am writing to let you know that you need to make sure everything in my credit report is accurate. This includes making sure that you adhere to all FCRA and METRO 2 format reporting standards For every account that youre reporting, I need evidence ( physically verifiable ) that you verified the information to be accurate and compliant. For every inquiry, I request proof that you confirmed that the creditor had a permissible purpose. I am giving you 10 Days to investigate this matter and determine whether it is still accurate, valid, and in compliance. If you can not provide proof that the information is accurate, compliant, or valid I demand that you remove it from the report. I would also like for you to mail me physical proof of the actions you have taken to correct my credit report and a newly updated report. This will help me stay updated on the progress you are making. The following items on my report appear questionable! Please certify that all claims are true and accurate, complete, and timely reported. If not, please delete it immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Toyota is reporting my account as past due when its not Adding more late payments even though I pay monthly XXXX verified the information as correct but its not true
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card

Chase is refusing to credit my account {$XXXX}. The following is what I have done to resolve this problem. However Chase refuses to give me my money. 
My Chase statement of XXXX XX/XX/year> showed a credit of {$XXXX}. Chase did not subtract the {$XXXX} from my balance. 
XXXX XX/XX/year>, I wrote a letter to Chase notifying them they failed to credit my balance {$XXXX}. 
Chase sent me a letter dated XXXX XX/XX/year> stating they credited my account for the full disputed dollar amount. 
I receive my statement dated XXXX XX/XX/year> & the {$XXXX} has not been credited to the balance. 
XXXX XX/XX/year>, I wrote a second letter to Chase notifying them they failed to credit my balance {$XXXX}. 
Chase sent me a second letter dated XXXX XX/XX/year> stating they are researching the dispute. 
Chase sent me a third letter dated XXXX XX/XX/year> stating the merchant 's name on the credit is different from the merchant name in my dispute. I have no idea what Chase is looking at because the name of the dispute is identical on my correspondence as well as Chase 's correspondence. 
I receive my statement dated XXXX XX/XX/year> & the {$XXXX} has not been credited to the balance. 
XXXX XX/XX/year>, I wrote a third letter to Chase notifying them again they failed to credit my balance {$XXXX}. 
Chase sent me a second letter dated XXXX XX/XX/year> stating they are researching the dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had my Discover card since XXXX and I have never been late ; I got this card for the sole purpose to rebuild my credit. I want you to know that I understand my financial obligations, and if it weren't for COVID-19 I'd still have an excellent payment history. I am applying for a mortgage loan and it's come to my attention that the missed payment on my credit report is hurting my ability to qualify. I truly believe that it doesn't reflect my creditworthiness and commitment to repaying my debts. It would help me immensely if you could give me a second chance and make a good will adjustment to remove the late payment on XX/XX/XXXX. Even if your company doesn't believe in good will adjustment according to Coronavirus Aid, Relief, and Economic Security ( Cares ) Act the late payment can be removed from my credit report especially since you have already refunded the late fee. My account is current and has been every since XX/XX/XXXX. Thank you for your consideration, and I hope you'll approve my request.
Product: Credit reporting or other personal consumer reports

I am writing to dispute inaccurate information that appears on my credit report. Upon review, I noticed several inconsistencies in the information provided for an account listed under my name. Specifically : The date the account was opened is incorrect. 
The date of last activity does not match my records. 
The last reported date is inaccurate. 
The balance listed is not accurate. 

These inaccuracies are adversely affecting my credit report. I request that you investigate these issues immediately and update the information to reflect the correct details. If you can not verify the accuracy of this account, I ask that you remove it from my credit report entirely. 

Please notify me of the results of your investigation at your earliest convenience.
Product: Checking or savings account

on XX/XX/XXXX I contacted Cash app to change my username. 
They changed my user name from XXXX to XXXX. 

I received a payroll deposit to my account on XX/XX/XXXX for {$350.00} and on XX/XX/XXXX for XXXX Cash app changed my account number and the username instead of just the username. 
In doing so i was unaware of payments or deposits because cash app rep basically created a new account. 

I have my full account number and deposit information along with pay statements. 
XXXX confirmed that the bank did not reject the payments and that it went to my account that was on my direct deposit information. 
Due to it being outside of the 5 day window they could not issue a stop payment. 

My manager contacted cash app, XXXX contacted cash app and no one knew how it happened. 

As of today Cash APP and XXXX XXXX  are holding my funds of {$790.00} and refuse to transfer it to my cash app account or mail a check. I have an email where the customer service rep says that he can't help me
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items on my report that your agency didn't make sure it was reporting 100 % accurate. 


XXXX XXXX : # XXXX has violated my rights. The Listed account above has flawed information under between 3 different credit reporting agencies in XXXX, XXXX, and Experian. First Flaw is the account status which differs from the Experian and XXXX report ( Paid ) from the XXXX report ( closed ). Second Flaw is the date account opened which differs from the XXXX and Experian ( XX/XX/XXXX ) from the XXXX report ( XX/XX/XXXX ). Third Flaw is the Last day reported on the account which differs from the XXXX and Experian ( XX/XX/XXXX ) from the XXXX report ( XX/XX/XXXX ). Fourth Flaw is the Last day Active report which differs from all three credit reporting agencies in Experian ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ) report from the XXXX report ( XX/XX/XXXX ). XXXX XXXX reported was the date of last payment reported which differs from the XXXX and Experian ( XX/XX/XXXX ) from the XXXX report ( XX/XX/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 an 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. 

These inaccuracies have done a toll on my mental health and m mental well being and I demand they be removed off my credit report seeing as the account is now closed and the information is still inaccurate.
Product: Credit reporting or other personal consumer reports

I want these inquiries to be deleted because I did not offer these companies to run my credit this is fraudulent. I have attached a report that contains the name of the companies that were not authorized to run my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I just received an alert showing a hard inquiry from American Honda that I do not recognize or have authorise. Please correct. Creditor Name : American Honda Inquiry Date : XX/XX/2018 Under the Fair Credit Reporting Act, your action constitutes a violation on my rights, which is illegal and causing severe damage to my credit rating. Failure to positively verify these accounts will eventually hurt my ability to obtain credit as such I am now formally asking that inquiry be removed immediately. Explanation : I would like to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or one, I would like it removed immediately.
Product: Credit reporting or other personal consumer reports

just reviewed my cfredit for the first time and i have so many unauthorized inquiris that do not belong to me please help me they did not all fit in my report/ XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Full certified copy of all statements, all documents, all contracts, all interactions ever made with the questionable account ( s ), was requested by TransUnion to provide me or delete false and misleading information. Transunion never provided me any proof and information. And went above and beyond to hurt my credit. Defaming my character to profit. This has hurt my credit at a very vulnerable time. I seek damages, treble for fraud for sham investigations carried by Transunion that surprisingly ended within hours
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts. Actually I am not sure that the account is even mine though your company claims to have verified this. Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. As in XXXX XXXX TransUnion, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the XXXX in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

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

While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : XXXX XXXXXXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/20XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. 
Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. 
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting consumer adjustment co 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 604 A Section 2 : It 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 had my last car payment to make on XXXX XXXX XXXX car loan before loan was paid off- I made payment but was not aware that there was additional XXXX fees that were due also, so the loan showed late paid because there was XXXX dollars outstanding. I paid it soon as I was aware of it. 
This was my last payment - the loan is now paid off- XXXX XXXX says they can not change the 'late ' payment or remove. Please help it made my score suffer over 40 points.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
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

I recently applied for an apartment and I got denied. I don't understand why I would be denied because my income, rental history and credit is up to standard. Today I checked my credit report. While doing so I see items that aren't mine. I don't understand what's going on but these items are not mine and the all need to be deleted from my credit report. XXXX XXXX, XXXX. I am doing this all on my own.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Mortgage

This has been a total nightmare. I never thought I would be trying to track down escrow funds paid at closing on XX/XX/XXXX. 

Various phone calls were made in XXXX and again in XX/XX/XXXX to Bank of America when I received my first and second statements advising I didn't feel the escrow amount was correct and I was always given some response that didn't make since but 2 different people pretty much gave the same reply " It will show up at years end '' so I went with it ... Unfortunately, my account was passed on before year end and the confusion escalated to lost money in the amount of {$2200.00} that never made it to my escrow account. 

During the closing the notary advised the Seller ( my sister in law ) that she would be getting {$2200.00} back. The seller left going out of town the following day and would be gone for 30 days. I was asked to follow-up for her and to keep a watch out ... When I contacted XXXX a couple days after the closing I was advised the seller would not be getting any funds back but, the seller was suppose to pay {$2200.00} and that they were still pending those funds '' " The {$2200.00} is just a straight proration, it's a credit to you and a debit to the seller. The impound/escrow account set up for the taxes is the " Property Taxes ( {$500.00} per month for 9 mo. ) '' for a total of {$4500.00}. When that account pays the taxes, probably in XXXX, it'll pay the entirety of the XXXX taxes, but the proration was done so that at closing, you were credited for the number of days that you didn't own the property in XXXX ''. ) XXXX assured me the {$2200.00} would be going toward taxes.. 

My loan was passed on to XXXX XX/XX/XXXX. I received notification in XX/XX/XXXX that my escrow account was short {$2800.00} and my house payment would be increasing from {$1000.00} to {$1300.00}. Calls started with Bank of America XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX trying to track down money that should have been applied toward the escrow. This still has not cleared up. 
I received a call from Bk of Am on XX/XX/XXXX advising there was a mistake in the amount due at closing. The house sold for {$97000.00} the pay off was {$96000.00} in which XXXX XXXX confirmed was received. However Bank of America is now indicating it should have been {$99000.00} and the additional {$2200.00} made up for the difference. The total amount sent toward the Escrow by Bk of America to XXXX was {$3900.00} which includes {$630.00} x 3 =  {$1800.00} included in the monthly house payment + an additional {$2000.00} from the {$4800.00} I paid during closing. There was an additional {$2200.00} paid on XX/XX/XXXX by me that was to go toward the taxes prior to the purchase but this was not given to the new servicer nor was it sent to the previous servicer XXXX XXXX XXXX and this is what I am disputing. Bk of America is refusing to send the pre purchase tax money that was to be put into escrow to RoundPoint..
Product: Credit reporting, credit repair services, or other personal consumer reports

N. Accordance with the fair credit reporting act XXXX XXXX Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 section 604 A Section 2 : also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

My Complaint is Against All the Companies Listed Lexis Nexis,  XXXX, XXXX and XXXX  are reporting Bankruptcy information on my credit reports, which has caused me high interest payments on loans and credit cards. It has also caused me to be denied on various applications and credit cards. 

I have sent LexisNexis, XXXX, XXXX  and XXXX  copies of information from the Bankruptcy Court that states they do not report to any credit reporting agencies. 

In addition, I requested each agency to stop reporting my information to everyone unless I consent by requesting a credit freeze. They all are reporting the information without my consent since 2019 and have not complied with the credit freeze or my option to Opt Out. 

I also sent documents concerning the class action law suit filed on the reporting agency for reporting Bankruptcy and each of these agencies refuse to change the disputes. 

This reporting is caused me to be denied a mortgage, and employment. My auto insurance cost has increased by doubled with this reporting. The interest rate on my auto loan has doubled and caused me to be denied for even refinancing my auto loan at a lower rate.
Product: Mortgage

Hello I have a second mortgage with Specialized Loan Servicing and I been trying to get get forbearance or loan modification and have send all the documentations they needed multiple times and when I call them even their systems says we have all your information waiting for review and when I log in it says the same thing. Its been months and nothing has happened and we are in pandemic which most mortgage companies help right away like my first mortgage took one day to put me on forbearance to buy me time during these hard times. This company should be ashamed of themselves since they are very unorganized. Every time I call every agents do not know what is going on. I am on a fix social security income and now since they drag this so much now when I called today they said they want a new one like Social Security changes. 

I need help to resolve this since they are just so bad in helping people in these hard times.
Product: Debt collection

On XX/XX/XXXX I submitted a dispute to have two collections removed from credit report. One is XXXX XXXX ] and XXXX XXXX XXXX. 
Transunion ID # for dispute. [ XXXX The estimated date to resolve this issue was XX/XX/XXXX. 
These collections were removed and then put back on credit report. I would like to purchase a home and would like to have these removed from credit report. Having these listed on credit report is affecting my score for no reason.