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

Ive been disputing inaccurate information about me on my credit report. 
XXXX  and Transunion Both reporting inaccuracies. Ive disputed twice and still reporting verified.
Product: Credit reporting, credit repair services, or other personal consumer reports

Greetings : It's been over 20 years of negative reporting on my credit report. 
The problem concerning this issue has to do with Experian, which will not fix this problem. 

I'd requested information about the person that's using my name somehow and has a car in my name. I do not own a car and never have. Experian was warned not to give nor share any information about my account using my SSN at anytime. They are not authorize to do so! 

I would like the head of this company or any other legal personal to look into this matter!
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. The 3 Credit Bureaus have failed to comply with air Credit Reporting Act, 15 USC Section 1681i within the time set forth by law and continued reporting of unverified information which now, given all my attempts to address it directly with the creditors, as willful negligence and non-compliance with federal statutes. These statuses are damaging to my report, which would not be happening if the bureaus are investigated properly before posting derogatory information. REMOVE THESE ACCOUNTS COMPLETELY FROM MY CREDIOT REPORT.Accounts : XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00}, XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$600.00}, XXXX XXXXXXXX Date Opened XXXX XX/XX/XXXX Balance Owed : {$0.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : $ XXXX ; Inquiries XXXX Inquiry Date XX/XX/XXXX XXXX XXXX Inquiry Date XX/XX/XXXX
Product: Debt collection

XXXX XXXX XXXX XXXX  {$3100.00} XX/XX/XXXX disputing XXXX  XXXX acct # XXXX {$530.00} and {$730.00} XX/XX/XXXX and XX/XX/XXXX disputing XXXX  XXXX {$420.00} XX/XX/XXXX disputing XXXX XXXX XXXX {$5200.00} XX/XX/XXXX disputing XXXX XXXX {$170.00} XX/XX/XXXX dissputing XXXX XXXXXXXX {$850.00} XX/XX/XXXX disputing
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of incorrect names and addresses from my credit report pursuant to the Fair Credit Reporting Act ( FCRA ) and XXXX XXXX compliance standards. My credit report contains multiple variations of my name and addresses that do not belong to me. Below is my correct personal information : Correct Name : XXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/year> Current XXXX XXXX XXXX, XXXX, GA XXXX Incorrect Names and Addresses to Be Removed : Names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ct XXXX XXXX, GA XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX, XXXX, GA XXXX I request that these erroneous entries be removed from my credit report immediately. Please provide written confirmation once these changes have been made. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX
Product: Credit card or prepaid card

I have owned a Chase credit card for several years with a credit limit of {$4000.00}. In XXXX of 2020 I utilized my income tax return to pay off the entire balance of the card in an attempt to increase my credit rating. I had plans to make a major purchase in the near future so I paid off the card to obtain the best APR possible when applying for the loan. Without notice from Chase Bank, I received an alert from two credit monitoring agencies I utilize both notifying me that my credit rating had dropped, considerably, in XXXX of 2020. This drop was a result of Chase lowering my credit limit from {$4000.00} to a mere {$500.00} limit, and they then tacked on a {$100.00} membership fee. Several unsuccessful attempts were made to telephonically contact their customer service department for an explanation for the sudden and unannounced drop. I then submitted a written request via their electronic messaging system and received ( electronically ) the following reasons in response to my inquiry : one or more Chase cards is delinquent, bankrupt, or in a payment program ; one or more Chase cards was recently delinquent ; payment amount above the required minimum on some Chase cards is low ; one or more Chase cards has a low payment compared to statement balance. EVERY SINGLE ONE OF THESE REASONS ARE COMPLETELY UNTRUE! For one, this is the only Chase card I have ever owned. Also, I have paid every single payment to this company on time and at or above the required minimum payment amount the entire time I have owned it! I also have an auto loan through Chase, which I have never missed a payment nor paid less than the required amount on. My credit report reflects this! Further, they claimed that I should have received a written notice of the reduction 10 to 14 days after the reduction. This is also untrue! I still have not received any such notice in the mail. I believe this reduction has been made either in error, or as a malicious and unfair practice which results in a financial gain to the bank as I, the consumer, will suffer from a higher APR due to such a severely impacted credit score when attempting to apply for future loans or to restore the original credit limit on the card. This is completely unfair and needs to be stopped. Please take note that their actions were taken during the onslaught of a PANDEMIC! I have been working very hard to faithfully support our local and national economy during this very difficult time. The poor and untimely decision of Chase bank has severely impacted my efforts and finances in doing so. Its not just about me either. This card is a Southwest Airlines rapid rewards card. Their airline company is struggling right now and I can not possibly support them by traveling with a family of four on a {$500.00} budget.
Product: Debt collection

XXXX XXXX XXXX charged me + {$600.00} for the paint to the livingroom wall after I moved out, knowing that I have pictures for the apartment at the move out date proving there was no damage to the wall where they are claiming the damage. Also, I had a work order dated one year before I moved out regarding the bathtub and its enclosure. The paint was peeling and showing what beneath. I asked them to resurface the tile wall and the tub but they did not respond and they are now charging me for!! 
They were also about to charge me for the floor covering but I argued withem about it and I proved to them that the prior management company moved me in the unit with an old carpet and vinyl! 
2 days ago, I have disputed the balance with XXXX and sent them the pictures but they unfortunately closed the case as accurate without even looking into my case!! 
My concern is that XXXX XXXX XXXX as well as the collection agency are trying to make mass profit on tenants like me by sending these fake charges after weeks of the actual move out!! The Property manager refused to walk through the apartment with me at the move out date and she said she will inspect the unit after a couple of days then she will send me the statement!! I did not know that this is their procedure to put extra charges on the moving tenants. I'm working as a property manager too, and I know how to take care of my place. I have never been late with my bills and I care about my credit score, but when it comes to stealing my money I can't keep silent. 
I appreciate you would look into my case asap and please let me know whenever you need the proofs.
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.

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: Checking or savings account

XX/XX/2021 I made dispute of about XXXX twice in same month. XXXX XXXX paid for my return flight and told me to go bank the bank reimburse me for one disput but not other equaling {$4000.00}. Now the fraud department has restricted me from debit card use and I glued with ftc to prove identity theft. I need a debit card and my account is never negative and have proof. 
They also will not let me open a business account from an issue 30 years ago and I ask to dispute I cant and I have no paper work. I feel Im in good standing and should have a debit card and he allowed to open business account
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX - {$3200.00} XXXX XXXX XXXX  - {$1800.00} XXXX XXXX XXXX {$1400.00} These accounts do not belong to me.
Product: Checking or savings account

During the month of XXXX and XXXX, I requested stop payments on my accounts. I placed a stop payment for a transaction to insurance company to be stopped. Chase charged me the fee but still allowed the transaction to occur. I asked for the transaction to be stopped because I need to get my mortgage paid. I advised I would contact my insurance company and make a different arrangement. I was charged the fee and it still wasn't stopped. Apparently, the next few weeks it was very difficult to try to get a handle on my account to pay my debts, feed my family, and pay Chase. Chase would take my deposits to take care of the negativity on the account, I understand that. Yet, I asked for 3 stop payments on my account on XX/XX/XXXX, it was a Saturday. The rep read me the script and advised I called in enough time to stop the payment. I even asked her to look further electronically in the account, she said nothing was showing. However, when Monday came all three transactions came out of my account. I was furious because this was going to cause major issues in my account. I asked for the fees back since they didn't honor there script or service. The script says as long as I call before XXXX pm the transactions would be stopped. Nothing showed on Friday or Saturday of the transactions pending. Yet, I was told since it was pending to hit my account on Friday, they couldn't stop it. Also, Saturday is not considered a business day. NO ONE SAID THIS ON THE SCRIPT WHEN I ASKED ABOUT THE STOP PAYMENT. As a result of the stop payment not going through, I am negative over XXXX. Chase only wants to pay back there fees. I don't feel I should have to pay the full amount, I have paid XXXX per week faithfully but now they will not extend the account to allow me to pay what I can afford. I only make XXXX a week. They want to send to a collection agency. I feel like I am being bulldozed over by this company.
Product: Checking or savings account

I receive a portion of my paycheck through this banking institution. The deposit was scheduled for XX/XX/XXXX, but I never received it. On XX/XX/XXXX at XXXX XXXX, a message was posted in the app stating that all errors had been identified, and that any remaining customers who had not received their deposit would be emailed with next steps within 24-48 hours. As of XXXX, that timeframe has passed and I still have not received any communication. 

I have attempted to contact the bank multiple times. When calling their office, I either encountered no available agents or was stuck in a loop of automated responses, unable to reach anyone. I also sent an email and received the following response : " Thank you for reaching out. We're unable to respond to this email. If you have received an email from one of our agents, please reply back to that email. '' I have not received any emails from an agent to reply to. 

This issue is particularly urgent as it is the beginning of the month and all of my bills are due. The lack of response and resolution is causing significant financial stress and inconvenience.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted and multiple FTC Reports regarding the account that do not belong to me. 

Account name : XXXX Date of Inquiry : XX/XX/XXXX Account name : XXXX XXXX Date of Inquiry : XX/XX/XXXX Account name XXXX XXXX Date of Inquiry : XX/XX/XXXX Account name : XXXX XXXX Date of Inquiry : XX/XX/XXXX Account name : XXXX Date of Inquiry : XX/XX/XXXX Account name : XXXX Date of Inquiry : XX/XX/XXXX Account name : XXXX Date of Inquiry : XX/XX/XXXX Account name : DEPT OF ED Date of Inquiry : XX/XX/XXXX Account name : XXXX Date of Inquiry : XX/XX/XXXX Account name : XXXXXXXX Date of Inquiry : XX/XX/XXXX Account name : XXXX XXXX Date of Inquiry : XX/XX/XXXX Account name : XXXX Date of Inquiry : XX/XX/XXXX
Product: Checking or savings account

On XX/XX/2021, I initiated a {$290.00} funds transfer on chase.com from my XXXX XXXX XXXX to my Chase XXXX. ( The XXXXXXXX XXXX  XXXX was verified a few weeks ago by Chase via trial deposits, and a transfer had previously been made from my XXXX XXXX to my Chase XXXX, via chase.com. ) An hour or so later, I received the following e-mail from Chase : Transfer Cancelled We encourage you to sign in to read your Secure Message because it contains specific information about your account. 
View your secure message in two ways From Chase Mobile, go to your profile and choose " Secure Message Center '' At XXXX just sign in to your account. 
The secure message will expire on XX/XX/2021. '' I logged in to Chase.com, and received the following message : " Important : We locked your account due to suspicious activity. 
To unlock it, call the number for your account or reach out to your servicing team. 
Chase Personal or Chase for Business : XXXX Chase Connect : Contact your client service representative Keep in mind : You won't be able to see your statements and notices until we unlock your account. '' I spent a full 3 HOURS waiting for someone at Chase to come on the phone. " XXXX '' told me that this was a RANDOM verification that Chase was making. XXXX  then asked me what number he and I could call at XXXX XXXX, to verify I owned the " from '' account. Fortunately, XXXX came on the bank in just a few minutes, unlike Chase which took 3 HOURS. XXXX verified I was the owner. 

Here is the issue : IF CHASE IS GOING TO RANDOMLY VERIFY ACCOUNTS TRANSFER, AND LOCK BANK ACCOUNTS, THEN THEY NEED TO ADEQUATELY STAFF THEIR CALL CENTER. It is absurd and horrific customer service to randomly lock me out of my bank account, and for me to have to take 3 hours out of my work day to get my account unlocked.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have spent feverishly hours with Experian, XXXX and XXXX to help clear up the abuse and fraud on my credit report. After many days and hours and exhaustion, I am requesting help from you! 

As a veteran of the Country and all sacrifice, I have given, I have never seen something so miss treated in my life. Because of COVID and a bad year and doing everything right, all three credit bureau and the Crediter can not get on the same page and clear all the information as requested under 15 USC168b permissible person I never was contacted by anyone?
Product: Credit reporting or other personal consumer reports

In the past 10 years I paid Lexington Law Firm to help clearness up my credit all they did was got my money and never did anything to help clean my credit up. Multiple of times I have used them and paid them.
Product: Student loan

Discover Student Loans sent me a letter saying that because I had paid a certain number of payments on time and in full I qualified to have my co-signer removed. My co-signer was my mom who is going to retire in a couple years, I pay all my student loans by myself so I figured not having her attached my loans will help her after retirement. The letter stated that having my co-signer removed would not affect my interest rate. My interest rates are incredibly high, I have great credit and it just plain unfair what Discover is charging me. Since I have removed my co-signer I have had my interest rate climb every month. Again I have great credit, pay all my loans on time, and pay more than the minimum payment. Discover states that because they just hold my loan ( they bought it from another company ) they can do nothing about refinancing it, in my mind then they should not be able to raise my interest. I honestly have no idea what to do or if this is legal or not. I pay almost {$1200.00} a month in student loans ( not just to Discover ) and no one is helping me because I pay on time. I kill myself working to jobs to pay all my loans on time and I am punished because I 've never missed a payment. I honestly do not know where to turn but what Discover does does n't feel right and I would like someone with more knowledge to look into it.
Product: Checking or savings account

I went in to deposit my healthcare checks they were less than a year old. I brought in vail paper work from my Healthcare company all the documents received. The rep called the customer service department and they without any explanation let me know that they were closing my account. I have been a chase customer for 5 years plus and they decided to close my account based on valid checks. I called my healthcare company they let me know that the checks were valid and they were very helpful in letting me know they were going to do a stop on those checks and send me a new check so I would not have any issue. Chase still didn't let me deposit or cash that check. I had to go to another bank and had no issue depositing my check. I have been a chase customer for over 5 years and it was a completely ridiculous situation I had to go through, I have done all my banking with chase.  Now I have an account in collections.
Product: Credit card or prepaid card

Hello, CashApp has taken money away from me from refunds ranging from 80 $ -300 XXXX I have also not received any of these refunds and also have not received any help on getting these refunds pushed through, my paycheck also has not been deposited into my account, which is strange because it always goes through at the same time, every week, and every month. I have contacted all the merchants and they all said they have all processed the refunds fully through their end, its just cashapps end not fulfilling their end.
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 Account # 's 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 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 or other personal consumer reports

I have requested multiple investigations on XX/XX/XXXX, XX/XX/XXXX, and also XX/XX/XXXX for unauthorized inquires on my credit report to Experian, however Experian has failed to properly investigate these inquiries, as they still remain on my credit profile. I have not been sent any proof of these inquires being accurate as I requested. Please reinvestigate this matter and provide proof of accuracy or remove these unauthorized inquires from my Experian credit report.
Product: Credit reporting or other personal consumer reports

On my credit report I have multiple inquiries coming from XXXX  XXXX that I DID NOT AUTHORIZE on the FOLLOWING DATES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

On my credit report I have mutlple inquiry coming from XXXX that I DID NOT AUTHORIZE on the following date XX/XX/XXXX and XX/XX/XXXX. 

On my credit report I have an inquiry from XXXX that I DID NOT AUTHORIZE on XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I am in disagreement with the account listed below which still appears on my credit report, even after your investigation. 

I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score. 

ACCOUNT NAME : XXXX XXXX  XXXX : XXXX
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention certain inaccuracies on my credit report and to formally notify XXXX of potential legal violations that require immediate attention. 

Identification of Inaccuracies : Upon reviewing my credit report, I have identified several inaccuracies that have adversely affected my financial standing. These inaccuracies include : incorrect balance, late payments, account number, credit limit, date of reported and others inconsistencies. 

Impact on My Financial Well-being : The inaccuracies outlined above have severely affected my creditworthiness and overall financial health. In XX/XX/XXXX, I experienced a major financial setback due to a family emergency, which led me to apply for a personal loan with XXXX XXXX  and other creditors offered loans with significantly high interest rates and I have been wrongfully denied which was highly embarrassing and has negatively impacted my lifestyle. This misinformation has had a detrimental impact on my financial options and opportunities. Would you reinvestigate the accounts listed below. 

Account Name : XXXX  XXXX XXXX Number : XXXX Reinvestigate the completeness of every piece of information and if its not accurate, please remove it from my credit report. 

Reference to Relevant Laws : I believe that these inaccuracies violate consumer protection laws, including but not limited to the Fair Credit Reporting Act ( FCRA ). The FCRA mandates accurate reporting and stipulates that consumers have the right to dispute and correct inaccuracies on their credit reports. 
Based of consumer law 15 U.S. Code 1681i - Procedure in case of disputed accuracy, if within 30 days you can not verify the accuracy of the information, please remove the account from my credit report.

Request for Thorough Investigation : I kindly request that XXXX conducts a thorough investigation into the inaccuracies outlined above and takes immediate corrective action. I believe that rectifying these errors is crucial to maintaining the integrity of the credit reporting system and upholding consumer rights. 

Potential Legal Consequences : Please be advised that if these violations are not addressed promptly, I may be compelled to take legal action to protect my rights under the FCRA and other applicable laws.

Optionally with the proof I am attaching to this letter, you will agree it needs to be removed XXXX. 

I appreciate your prompt attention to this matter and request that you keep me informed of the progress of your investigation. You may reach me at XXXX XXXX to discuss this further. 

Thank you for your understanding and cooperation. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX : XX/XX/XXXX SSN : XXXX