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

Hello My XXXX XXXX was discharge in bankruptcy XXXX XXXX. The account on my Equifax report is reporting in XXXX as closed and miss payment and is not showing discharge in bankruptcy. I do not understand Equifax reporting as they continue to report incorrect information on my credit report. In XXXX of XXXX they were were reporting the XXXX account in bankruptcy and now in XXXX it is not reporting in bankruptcy. Equifax has caused me great harm. Once a account has been discharge in bankruptcy Equifax and the creditor must report the account as included in bk discharge and reporting as miss payments and delinquents. Please tell them to report my XXXX account as discharge in bankruptcy XXXX XXXX account number XXXX. I have contacted XXXX and they say they are reporting it to Equifax as discharge in bankruptcy. Equifax must have big errors on there system as they cant update consumers accounts accurately. I have attached the Equifax report showing in XXXX the XXXX account was discharge in XX/XX/XXXX and the mistake started in XXXX and XXXX were Equifax is reporting the account as missed payments and not included in bankruptcy how does a credit report g agency make this mistake. Please update my account correctly to reflect discharge in bankruptcy
Product: Credit reporting, credit repair services, or other personal consumer reports

IVE ATTACHED THE COPY OF THE DIRECT ONLINE UPLOADED DISPUTE THAT EXPERIAN 'S SYSTEM WOULD N'T ACCEPT TODAY.THEY HAVE A COMPUTER PROBLEM THAT WO N'T ALLOW ME TO SEND INFORMATION TO SUPPLEMENT MY ONGOING DISPUTE SO I 'M SENDING IT HERE BECAUSE THE CFPB 'S COMPUTERS ARE N'T USUALLY BROKEN AND EXPERIAN 'S USUALLY ARE BROKEN
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX , XXXX  is violating the access to my credit report as per the FCRA. My FICO score is XXXX, they released negative information that does not exist when I applied for a credit line. To access my report or Freeze my report I need to mail my personal information ... including Photo ID, SS number and additional items to prove my identity. This is not open access to my credit report. I can prove my identity in many ways but not at the jeopardy of my personal information being stolen via the mail or improper handling or disposal by XXXX. 

After calling them they were not able to offer an alternate way to access the information. They could not explain the details that were reported in my denial or scoring. Based on my experience and research they have no interest in providing a remedy or following the proper FCRA guidelines. The big three credit agencies lost the second largest class action lawsuit in US history for these exact same practices. Who is policing these pop-up credit reporting agencies? Their practices are intended to avoid letting consumers access to credit reports to dispute false information.
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 the 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, 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
Product: Credit card or prepaid card

I am contacting the CFBP regarding a XXXX XXXX Credit Card showing on my consumer credit report. Since XX/XX/2016. I have sent 3 credit validation letter and an offer letter to pay a portion of the claimed debt in an efforr to resolve although it has never been verified. I am doing everything I can to communicate with this company and work to have this information removed from my credit report. However, they are not communicating with me and acting as if the damage this account is causing to my consumer credit profile is not urgent. I NEED a resolution and the account removed from all three of my credit reports. That is all I am asking.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a CH XXXX bankruptcy reported on my account filed on XX/XX/2014 is still on my report. I have requested The credit bureaus remove the Ch XXXX Bankruptcy as it is more than seven years and it is a XXXX. The files have been removed by the credit bureaus Then the CH XXXX derogatory reports have returned. I live in the State of Florida, the requirement is seven years the reports will be removed from date of filing. Also, I would like to add that every debt on the agreement with the debtor, BK judge and I have been resolved and has been satisfied in full.
Product: Credit card

JPM Chase dispute process is overly cumbersome. I filed a dispute on a double billing from a merchant. Chase received incorrect information from the merchant and closed the dispute. Chase would not take verbal information over the phone to reopen the dispute. They required that I submit the request in writing and provide to a Chase branch. After doing this, two weeks later was told that the request to reopen the dispute is sent to a " senior dispute team '' and I am unable to call them directly. I have no way of speaking with this special dispute team until they decide it is appropriate to contact me. Meanwhile, the disputed charge was put back on my account and is being billed. Chase makes this process so cumbersome and difficult and provides no way to communicate with the special senior dispute team. The Chase associate that I dealt with was XXXX XXXX. ARN number XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went through a company that asked to run a credit check for me. When I asked would this be a hard pull I opt out and didn't authorize them to run my credit. They not only ran my credit without my permission, but under other companies as well and it keeps happening month after month. And XXXX inqiuries show up for accounts I never applied for 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

AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE 6inquiries These lenders have accessed your credit file : XXXX XXXX  XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX  XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX CREDIT DISPUTE NOTES THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft. not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXXXXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$9700.00} Charged off XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$2600.00} Late/Open XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$1800.00} Late/Closed XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$2000.00} Late/Open
Product: Checking or savings account

I signed up for a Truist checking account and was promised I would receive a sign-up bonus of {$400.00} if I completed their terms and requirements for the bonus. Their terms were : opening the specified checking account ( which I did ), then make sure that XXXX ( XXXX ) direct deposits ( from employer, benefits, etc. ) of at least {$500.00} are deposited into the account within 90 days of opening the account. 

I opened my account on XX/XX/2023. I had XXXX direct deposits that were deposited into the account from my employer. The were both for over {$500.00}. These are the exact dates and amounts of the XXXX deposits : XXXX XXXX : {$500.00} on XX/XX/2023 XXXX XXXX : {$500.00} on XX/XX/2023 I satisfied the terms and conditions of the bonus within the time frame that Truist specified, but they are denying me the bonus, claiming I did not meet the requirements. I received an email from Truist on XX/XX/2023 stating the following : " During our final review, we noticed that you did not meet all qualification requirements of the offer, therefore, the reward will not be processed. '' Apparently the XXXX deposits were erroneously coded in their system as person to person payments, but they are in fact from my employer. It is a direct deposit from my employer, so this meets the terms of the agreement. These paycheck deposits should have been coded as direct deposit, and the error is apparently with Truist 's online coding system. My account has never been in a delinquent state, and I am in good standing with my account status with them. I fulfilled the requirements, so I am entitled to the bonus that they promised from the onset of my opening an account with them.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective actions to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, Thier dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX
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. 

Account name : Amex # XXXX 1

5 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: Mortgage

On XX/XX/2015 my Mom saw an ad in the newspaper. When I got home she told me about the ad in the newspaper about helping people buy a house or something like that. We decide to check it out so we go to the office. When we got there my mom explained the situation to him about getting a house & not having enough money to afford one etc. Then he said that we can make money from rental properties. He would put these properties in my name. He would find the properties himself, collect the rents from the tenants & pay the bills. He would do all the work. I just give him 2 paystubs and show up at settlement to sign the paperwork. He would give me the money to pay the mortgages every month. Things did not work out so I wanted to sell all the properties but he did not want to. Eventually I came to my boss about this situation and the guy who I was dealing with. My boss found out that this guy was an x-criminal. He was obtaining mortgages fraudulently using inncent victims. Operating Schemes. I believe in this situation he is doing the same thing. The companies involved are - Freedom Mortgage Loan numbers are XXXX & XXXX, XXXX XXXX Loan # XXXX, XXXX ( XXXX XXXX XXXX & XXXX. ) Loan # XXXX & XXXX XXXX XXXX XXXX Account # XXXX.
Product: Credit reporting or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. You must remove any accounts that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/year>2018 XXXX XXXX XXXX Balance : {$11000.00} XXXX XXXX  XXXX XXXX Balance : {$3100.00} XXXX  XXXX Balance XXXX {$4600.00} XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX  XXXX XXXX Balance : {$1400.00} XXXX XXXX Balance : {$680.00}
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the debt you claim I owe under account number XXXX. Firstly, I never consented to have my non-public personal information shared with your company, which raises significant privacy concerns. Additionally, I have no prior business relationship with your company, making this alleged debt highly suspicious and questionable. 
Under the Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S.C. 1692g ), I am entitled to request and receive documentary evidence proving your legal right to collect this debt. Therefore, I demand that you provide comprehensive documentation, including the complete chain of title of the debt, the Errors and Omissions policy number, the original contract bearing my signature, and a detailed explanation of the reasonable procedures you used to conduct your investigation into this matter.

Furthermore, your initial communication identifying your company as debt collectors may also be a violation of the FDCPA ( 15 U.S.C. 1692e ), which prohibits false or misleading representations in connection with the collection of any debt.
Product: Mortgage

for the past three months Ditech Financial has added a late fee to my mortgage payment. The payments were done through my banks online bill pay option which I have been doing for years w no issues. My Financial Institute shows that Ditech has received the payments prior to the later fee date each month, yet the payment is n't being process until after the XXXX to which I am being assessed a late fee for. I even went as far as having the representative annotate in my account file that my financial institute was showing that they had recieved my payment on the day i was speaking w them for the month of XXXX which was XXXX XXXX.
Product: Mortgage

On XX/XX/XXXX I received a billing statement for my mortgage ( #  XXXX ) for payment due on XX/XX/XXXX. Statebridge Company, the service ( r ) of my loan, has fraudulently assessed me for forced placed insurance even though I have provided them with proof of coverage ( insurance ) on more than one occasion. Each billing statement I continue to receive, listing charges for unnecessary forced insurance, will be considered a separate count of fraud.

Statebridge Company has reported my account as being delinquent, to the credit bureaus, causing my credit score to drop 49 points. This is causing me to suffer financial harm.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block Inc ) due to poor customer service and unfair practices that violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to act quickly and effectively to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Additionally, their dispute resolution process was unfair and deceptive, failing to meet the error resolution standards under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These issues have caused considerable inconvenience and financial loss, and I am seeking appropriate compensation for these violations. 

I WILL ATTACH SCREENSHOT OF CASHAPP ACCOUNT SHOWING PERSONAL INFORMATION AND CASH APP TAG FOR VERIFICATION.
Product: Credit reporting, credit repair services, or other personal consumer reports

DOE XXXX is fraudulently reporting student loan accounts to my credit profile. DOE XXXX has been found guilty for deceptive and predatory practices, including reporting inaccurate account information to the XXXX major CRAs, XXXX, Equifax, and XXXX. There are several DOE XXXX accounts that MUST BE REMOVED from my credit profile immediately! My request to block is not being made in error ; nor is my request being made on the basis of misrepresented material facts by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me, as the consumer. 

FCRA LAW VIOLATION 15 U.S. Code 1681b and 15 U.S. Code 1681c-2
Product: Credit reporting or other personal consumer reports

I just got ahold of my credit report and noticed fraudulent report thats affecting my credit badly please help me
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX, experian was sent letters by myself to remove 1 account with inaccurate data across all 3 reports, they have since after receiving the letters updated all 3 reports with more wrong information and all 3 reports are still mismatched one showing charged off one showing open with no balance one showing a balance and open all 3 have wrong opening dates, last payment dates and last reported activity dates another, another account i asked about to be removed due to also has wrong dates balances and last time paid and the account is paid off and not reflecting on any of the 3 credit reports this is making it hard for me to obtain a mortgage due to this inaccurate information i have asked to be removed off my credit report
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. 

Account name : XXXX XXXXXXXX, Account name : XXXX XXXXXXXX, Account name : XXXX  XXXX, Account name : XXXX XXXXXXXX, 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 informationisinaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

wrong primary name and previous names never used and primary address and previous addresses never used
Product: Credit reporting

I am submitting this complaint about experian credit reporting agency. I have been disputing wrong information on my credit report for months now. I am unable to dispute information online. Experian claims they have 24 hour access to your online report. After answering all the security questions and disputing the information that is reporting incorrectly I receive a response that experian is unable to honor my request and please try another time. Experian is reporting a syncb/qvc account on my report that was paid in full over 2 years ago. I do not know how they are doing a full investigation as this account was removed off my report from another credit reporting agency. I feel they are not doing a thourough investigation and not even disputing the information for me. I was told last month after I was on hold with experian for quiet a long time that they can not dispute this item again for me because it has been disputed numerous times. That 's just not right. This account is no longer in business. I contacted consumer affairs and the better business bearou in regards to this issue as well as having this information reporting incorrectly on my credit report is affecting my credit score. Experian refuses to help and I have XXXX items on my report that are completely wrong and should be deleted. The other one is XXXX in the amount of {$4800.00} this also was an auto lease that was paid in full when I turned in the automobile and re-leased a new one. That bill was paid in full and I do not owe anything. I 've disputed this also with experian once before as the first time it was reporting that my monthly payments are {$4800.00} ( that 's completely wrong ) now it is reporting as a {$4800.00} balance which again is wrong. I am very aggravated that I am unable to access my credit report online and dispute this information and when I call they wo n't dispute it for me. This is affecting my credit score in a negative way.