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

JPMC CHASE, XXXX XXXX XXXX  has reported incorrect account on my credit report. XXXX XXXX Account was removed but XXXX   unblocked my credit file and allowed XXXX XXXX to place the unauthorized account on my credit report as opened in my legal name. XXXX claims they did a investigation and received signed contract from XXXX XXXX. This is not true and false information on my credit report. I have attached police report from the original accounts opened without my consent. XXXX   refused to file my dispute and advised I contact CFPB. 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) (  A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 
I demand the following accounts be verified or removed immediately. 
The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is a digital app on iphone that provides personal lines of credit. I have used them for about 1 year. I had a 100 % payment history until XX/XX/XXXX when their app had technical issues and it disconnected my bank account information from the autopay settings that were established. There was no notification of this disconnection until I tried logging into the app and I couldnt because it was having issues. I tried contacting them and no one responded for weeks. I even tried calling them, but they do not have a live costumer support service. It is all through email on their website. After a couple of weeks I finally received a response and was provided a link to make a one-time payment. I did this on XX/XX/XXXX. I advised them I was worried that the technical issues with the app would cause a payment delay because the auto-pay wasnt working and I asked them not to report any late payment to the credit bureau XXXX I paid them on XXXX XXXX. We'll on XX/XX/XXXX and XX/XX/XXXX of XXXX I logged into XXXX XXXX and found that they did report negative payment history to the credit bureau and it tanked my score by over XXXX points. I have noticed on their XXXX page that multiple people have had issues contacting this company and getting timely responses ; I am not the only one. How is this fair? Their app is the one that had technical issues and destroyed my 100 % payment history. Also, how can the US government think it is fair to allow companies that do not have live customer service operations to be able to report to the 3 credit bureaus. If you cant talk to someone live in person to help on an issue, and the best you can do is try to get ahold of someone thru email with a very questionable response rate, how is that right? I am trying to find a new apartment right now for me and my XXXX XXXX XXXX son. I need good credit to get a good apartment. This company just destroyed that!
Product: Debt collection

Since XXXX | have been being contacted my XXXX  XXXX XXXX about a balance owed to them for a XXXX  visit. I told them multiple times I had insurance at the time & was never given any type of contact information for me to send over my insurance information. I go to check my credit report & see that my account was now sold to American Collections even after telling the original company each time that I have health insurance which would/should have covered the stay. Ive tried contacting American Collections multiple times via phone with no luck. This account should in no way be on my credit report when I was never given the proper process to resolve this issue.
Product: Credit card

I made a purchase in XX/XX/XXXX and charged it on my amazon card, it was interest free as long as i payed it off in the time frame, by XXXX the full amount was drafted instead of minimum or atleast whaterver i wanted to pay towards it to avoid interest charge... I recognized the reason for this was because I had set up my account on monthly balance autodraft... I called to complain and they rectified it by recharging the amount XXXX $ and issued a full refund check for the drafted amount {$370.00} ) the recharged amount was now set up on a 12 month no interest. at this point in time i had already made another purchase of {$78.00} after the mentioned {$370.00} charge ... in order not to create confusion I payed {$110.00} and made an arrangement to draft XXXX $ monthly which will pay the remaining balance before the promotion expired, {$32.00} was drafted monthly as planned until I received an email summer of XXXX saying I owed over {$600.00}, this did not make any sense because last purchase was the total {$78.00} in XXXX after the {$370.00} and was payed off the day arrangement was made, and i purposely stopped using the card to avoid confusion ... since $ XXXX no interest pay off.was initiated... I called syncrony and it was found that some i had an identical balance some how and was also getting charged interest on top. The interest part was taking care of after multiple calls but for some reason identical balance stayed ... all the supervisors i called agree i dont owe but the balance still exist. I stopped auto draft after the full amount was payed off and overpayed by {$33.00} ... but the bogus balance still remained and they have reported me to credit bureaus as late payment, harraass me on text, phone calls and email and now my perfect credit score has gone from XXXX to XXXX due to false reporting. they can not prove how my balance is {$420.00} in XXXX but my last charge was in XXXX and have made payments over {$370.00} since, the billing in XXXX of XXXX shows my purchase was {$370.00} which is the exact same amount of the XXXX purchase and they list my purchase as " balance transfer '', from what or were?. multiple employees on recorded conversation agree and keep appologising and promise this will be fixed but somehow they still continue to make my life miserable. I have decided to go ahead and pay the bogus balance to mitigate the damage they are doing to my credit and also stop the pain and suffering and let the justice take over. It took me 24 years to build an excellent but one day for syncrony bank to destroy.
Product: Mortgage

I applied for mortgage assistance on XX/XX/XXXX thru Mr Cooper. I was denied on XX/XX/XXXX the reason Mr Cooper told me verbally was, they stated the file was denied because I received a modification in XXXX, then again on XXXX, which both those years are correct the problem is they stated the investor only allows 3 modifications in the life of the loan, I only received 2 but they claim since I submitted for one on XX/XX/XXXX and declined me that submission on XX/XX/XXXX counted as a modification therefor my modification options have been exhausted. 

Even in the denial letter which I had to ask for multiple times and never came in time so I can appeal, I have attached the denial letter. 

I asked for assistance due to the death of my husband but Mr Cooper is refusing to help me, I am concerned of loosing my home due to the fact.. Mr. Cooper will not properly give me the opportunity to get current. I've asked for Mr. Cooper to place the amount I owe to the end of the loan and leave my rate and payment and terms the same simply to allow me at least for 1 year to make payments on time so I can refinance out of this loan but they refuse.
Product: Credit card

{$250.00} alleged payment BoA claimed we made and labeled as payment, but it is an expense added to our credit card balance. 

On XX/XX/year> : After multiple phone calls to BofA from approximately XXXX ( XXXX ), XXXX ( XXXX ) XXXX and XXXX ( XXXX XXXX ) XXXX they all repeatedly claimed {$250.00} is a credit payment. I explained that it on the balance sheet, the figure {$250.00} is added as an expense to our credit card although it is labeled by them as payment. They vehemently denied it is added as an expense, although it is showing as such as seen on this online transaction.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account Name : XXXX XXXX XXXX and Account # XXXX Account name : XXXX XXXX Co XXXX and Account # XXXX Account name : The XXXX XXXX XXXX and Account # XXXX Account name : XXXXXXXX XXXX and account # XXXX Account name : XXXX XXXX  and Account XXXX 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: Student loan

I have submitted a dispute to Fed Loan Servicing on payments that are being considered ineligible under the Public Service Loan Forgiveness program. The dispute was submitted on XX/XX/2021 and I have not received any response except for an automatic response confirming that it was received. 

My dispute is attached.
Product: Debt collection

Caine Weiner is claiming I owe them {$190.00} I have no contract with this company and I'm not sure why its on my reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports XXXX XXXX XXXX XXXX {$24000.00} XXXX XXXX XXXX {$600.00} XXXX XXXX XXXX {$1800.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

NOTE : This is a problem with XXXX, but I'm going to briefly summarize the details of the account that I'm disputing with them. 

-- ACCOUNT BACKSTORY -- In XX/XX/XXXX, I signed up for a Wells Fargo " Student '' Visa credit card. I used the card normally for three years. 

In XX/XX/XXXX, I paid - in full - the balance on that card. I was moving out of the country, so I put the card in a safe place and stopped using it. 

By XX/XX/XXXX, Wells Fargo had charged that card with some unauthorized service fees ( not found in our contract or any disclosure made to me ). It was a small amount, maybe {$25.00}, but enough for Wells Fargo to raise my APR to the maximum allowed and charge compounding interest. I became aware of this in early XXXX when I finally got an email notice that my card was " over limit '' - about {$3000.00}. 

I contacted Wells Fargo and explained the situation. I asked them to remove their original charge and the subsequent interest. They were unwilling to do so, and maintained that I needed to pay " my balance ''. I refused and closed all accounts with them. 

By XXXX, Wells Fargo marked the account as delinquent. I entered a 6 month contract with a credit repair service company called XXXX XXXX XXXX, XXXX. They were able to dispute the validity of the charge, and Wells Fargo ultimately charged off the account as a loss, adding a deragotory mark to my credit report with all three bureaus. I was assured by XXXX XXXX XXXX that this was a " good outcome '', and didn't challenge it. It affected my credit for years, taking me from the 700s down to about XXXX. 

-- CURRENT DAY -- Presently, the deragatory mark has been lifted from two of  the thre bureaus, but not XXXX. XXXX acknowledges my account as closed and charged off, but continues marking a delinquent payment every single month. They've indicated that they plan to do this until XXXX. 

Throughout XXXX, I've periodically contacted XXXX over the phone, and today signed up for an account on their website so that I could document their refusals. XXXX maintains that they're under no obligation to review my dispute, since I've " already disputed '' the information.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX. 
XXXX XXXX XXXX XXXX. 
Floor XXXX XXXX, AZ XXXX RE : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX To Whom It May Concern : The credit information currently on my credit report contains an entry showing a closed account XXXX  XXXX XXXX XXXX XXXX XXXX acknowledge that I was unable to fulfill the terms of the account agreement by failing to properly adhere to the monthly payments. In late XX/XX/XXXX, I was involved in a serious financial hardship that resulted in reduction of work hours my inability to make payments for several months. 

During the period of my recovery, I struggled to maintain my financial obligations and had missed payments. I have since been carefully budgeting and satisfying all of my monetary responsibilities and payments to improve my credit score. 

It would assist me tremendously if you could make a goodwill adjustment that delete these negative account entrys from my XXXX credit bureau reports. This is a closed account that represents a past failure that I am hopeful will not continue to hinder my future. 

Thank you for your consideration. 

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

I checked my credit report and saw i had a collection with XXXX XXXX, i reached out to this company multiple times through the mail to be clear on this alleged debt. They refuse to valdate it, i would like to see a copy of the original contract for credit with my wet signature, and looking at the rates of this loan, they are 20 %!!!!! That is predatory lending!!!!! Please reach out to this company, i dont know what else to do.
Product: Checking or savings account

On XX/XX/22, I deposited {$830.00} into chase atm in XXXX georgia on XXXX XXXX. I received a receipt with no amount and a message to call a number to make sure my deposit went through. After contacting the bank they granted me a temporary amount of {$830.00}. On XX/XX/22, {$560.00} dollars was taken out of account as a reversal claim. After talking to the bank, they said they only recovered {$250.00} of my deposit after an investigation. This is unacceptable.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX T XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX XXXX  XXXX cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX, AP XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX Balance XXXX {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$920.00} ; XXXX XXXXXXXX XXXX Balance : {$4000.00}.
Product: Debt collection

I am writing to you today with a sense of urgency and frustration regarding the erroneous information currently tarnishing my credit report. Unfortunately, it seems that my pleas for resolution have fallen on deaf ears, necessitating this assertive communication. I want to make it explicitly clear that I am a victim of identity theft, a fact that should prompt immediate and decisive action on your part. Under FCRA Section 605b, you are mandated to remove/block any account listed on an identity theft report. Attached, please find the required documents essential for facilitating the blocking of the inaccuracies that have found their way onto my report. The following accounts, which neither belong to me nor were opened with my explicit permission, demand your immediate attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. FCRA Section 605B ( a ) stipulates that XXXX shall block any information in the file of a consumer identified as resulting from alleged identity theft, not later than 4 business days after the date of receipt. I expect compliance with this legal obligation without delay.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

WellsFargo 1 ) refund {$190.00} on XX/XX/21 XXXX ) Then on XX/XX/21 later that night near midnight charge the {$190.00} again. 
3 ) I want {$190.00} refunded back to my account. 
4 ) This means I was charged twice {$190.00} and only refunded once. 
5 ) Please see statement if money is refunded it would be posted on my account. 
6 ) It is not okay for wells fargo to claim that internally secretly they refunded {$190.00} but it never posts on my statement. 
7 ) Tell wellsfargo to post {$190.00} on my account so I get credit before they claim transparency. 
8 ) See attached. 
9 ) See attachment.
Product: Credit reporting or other personal consumer reports

Experian does not properly investigate disputes and fails to remove or reinserts errors on reports, threatening consumers access to credit, employment, and housing i have filed form XXXX with the irs.gov. The perpetrator ( s ) filed IRS tax return using my SSN which has damaged me furthermore the perpetrator ( s ) have obtained from the Data Breach my personal information which has resulted in negative credit accounts and fraudulent inquiries of which ALL must be deleted immediately without delay on Experian, XXXX and XXXX. Pursuant to Title 15 USC 1692G ,1692K et seq The Fair Credit Reporting Act ( FCRA ) requires that consumer reporting agencies take steps to ensure consumer reports are accurate and to conduct investigations of information disputed by consumers. The FCRA provides people multiple ways to dispute inaccurate information on their consumer reports, including by contacting consumer reporting agencies directly. The FCRA also requires that consumer reporting agencies follow certain procedures before reinserting into consumer reports information that has previously been removed as the result of a dispute