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

I have been disputing this account information with Self and XXXX XXXX and XXXX. This account information is completely wrong. It is directly violations my consumer rights. I pulled my credit report with annual credit report and 2 credit bureaus are showing this account as open and one credit bureau is showing closed. I sent this info to Self Inc and they are saying the info is correct. It is also saying my last payment date was XX/XX/2023 for two credit bureaus and XX/XX/2023 on another. For example, I attached my XXXX credit report that I pulled from XXXX XXXX XXXX today. The this closed account is still showing open. It also shows the last payment of {$500.00} was on XX/XX/2023. Please see pages 18 and 19 of this document.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX {$230.00} XXXX XXXX XXXX {$0.00} XXXX  XXXX {$0.00} XXXX XXXX {$0.00} 15 U.S. Code 1666 - Correction of billing errors ( B ) Billing error For the purpose of this section, a billing error consists of any of the following : ( 1 ) A reflection on a statement of an extension of credit which was not made to the obligor or, if made, was not in the amount reflected on such statement.

( 2 ) A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof.

( 3 ) A reflection on a statement of goods or services not accepted by the obligor or his designee or not delivered to the obligor or his designee in accordance with the agreement made at the time of a transaction.

( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement.

( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required.

( 7 ) Any other error described in regulations of the Bureau.
Product: Credit reporting or other personal consumer reports

please check the information concerning the Equifax data breach below in attachments
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  

I want these inquiries removed immediately.
Product: Credit reporting or other personal consumer reports

XXXX XXXXXXXX XXXX XXXX XXXX has reported to the credit reporting agencies that I wade a 30 day late payment in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I WAS NEVER LATE ON THIS ACCOUNT! I pay monthly via their automated system, I prompt the automated system to pay the past due amount, so whatever amount THEIR system tells me to pay, I pay ON TIME EVERY MONTH. This may be a error on their system, I am not sure, but I do know MY payments are submitted on time, before the 30 day late period. I have wrote XXXX, Experian, and XXXX multiple times to resolve this issue, and the late payments are still reporting. I am a real estate investor and this is hindering my ability to secure loans needed. I need these late payments UPDATED immediately, due to the fact I pay ON TIME every month.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the following information in my file. I recently received a copy of my credit reports. The credit report showed credit inquiries that I dont recall authorizing. I understand that you should n't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit.     The FCRA states that the only permissible purpose for pulling someones credit is for : A. Firm Offer of Credit B. Insurance  C. Employment D. Court Ord er The following credit inquiries are related to none of the aforementioned permissible COMPASS BANK  XXXX   XXXX ,  XXXX   XXXX   XXXX  Bank  COMPASS  BANK  XXXX   XXXX ,  XXXX   XXXX   XXXX  Bank COMPASS BANK  XXXX   XXXX ,  XXXX   XXXX   XXXX  Bank
Product: Debt collection

Hunter Warfield says I owe {$830.00} I reached out to this people and asked for a signed contract with my signature on it they could not provide that. Placed for collection XX/XX/XXXX17
Product: Checking or savings account

This is a TOTAL FALSE STATEMENT AND I CAN PROVE I WAS NOT IN CALIFORNIA FOR THE DATE THAT I CANCELLED MY XXXX XXXX  RESERVATION!!! HOW DARE CHASE LIE ON ME!! HOW DARE CHASE LIE!! THIS RESERVATION WAS CANCELLED AS STATED WITH XXXX XXXX CANCELLATIN POLICY AND IT SHOULD NOT HAVE BEEN CHARGED SINCE I FOLLOWED PROTOCAL AND CANXELLED!!!! SHAME ON THE CHASE ANALYST THAT THREW THIS BOGUS STATEMENT TOGETHER AFTER THE NUMEROUS NUMEROUS NUMEROUS PHONE CALLS MADE TO DISCUSS - AND NOT ONCE DID CHASE ANSWER OR RESPOND!!!!!!!!! AND THE LETTER CHASE SAID THEY SENT ( THE ABOVE STATED LIE ) WAS NEVER SENT TO ME!!!!!! EVER. NOT TO MENTION, AS SOMEONE WHO TRAVELS OFTEN - CHASE CANCELLED MY CARD UPON THE COMPLAINT FILING AND I WAS WITHOUT A DEBIT CARD UNTIL THE REPLACEMENT ARRIVED. Moving forward - when I called to discuss additional reversals, these were charges that some smart CHASE person deemed to be duplicates BUT THRY WERE NOT DUPLICATE APPLE-TUNES CHARGES ... ... ..THEY WERE THE SAME AMOUNT FOR ALREADY FILED CLAIMS - FOR DIFFERENT DATES!!!!!!!!!!!!!!!!! UNACCEPTABLE UNAUTHORIZED!!! 
Disclaimer - I give JP MORGAN CHASE PERMISSION TO SHARE MY INFORMATION WITH THE CFPB.GOV. I have also filed a claim against CHASE with the BBB - however, CHASE has refused to answer the claim and thus, I am filing with the CFPB, which CHASE has to respond. Issue - several UNAUTHORIZED charges were claimed and credited - and by some miraculous mistake, CHASE has reversed my claims!! I have tried every attempt possible and CHASE is NOT  responding to communicate and rectify!
Product: Credit reporting or other personal consumer reports

This debt has been closed and they do not want to remove the late payments from the report plus they sold this loan was fed loan no Mohela.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. 
XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXX XXXXXXXX Balance : {$2700.00}, XXXX XXXX XXXXXXXX Balance : {$2100.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Debt collection

I had an outstanding balance with XXXX XXXX in the amount of {$750.00} with an original XXXX account # XXXX. I had been receiving collection letters from Stellar Recovery, and eventually I paid this account through a settlement on XXXX XXXX, 2016 in the amount of {$220.00}. I have received a settlement letter from Stellar Recovery on XXXX XXXX, 2016 and the account has still not been removed from my XXXX credit bureau as of today. It is actually showing up on my bureau as I opened the account on XXXX XXXX, 2016 and is showing a negative balance and it being late last reported XXXX XXXX, 2016 with a negative balance of {$520.00}. I am trying to purchase a home and my FICO recently went down XXXX points this month and my credit report is showing an active collection. I have tried calling Stellar Recovery and keep getting the run around every time I call them and can never speak directly to a collections manager.
Product: Credit reporting or other personal consumer reports

I am a XXXX XXXX XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX XXXX  XXXX - Account Number : XXXX Account Name : XXXX XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX - Account Number : XXXX Unauthorized inquiries : XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Mortgage

I applied for refinancing with my current lender, Caliber Home Loans, on XX/XX/2021 and was approved on XX/XX/XXXX. XXXX XXXX was my broker and XXXX XXXX was my processor. All requested information ( credit check, pay stubs, etc. ) was submitted by me in a very timely manner. When any changes were updated, all closing disclosure documentation came back with additional fees that were not agreed upon originally. Throughout the following months, they kept asking for other updated information which was supplied. The rate lock and closing kept getting extended over the next 4 months. The last incorrect closing document that I received was on XXXX. Then they required yet another credit check. I stated several times during this process that I have been paying them each month on time for over 8 years with never a late payment and I would rather not go through the hassle of unfreezing my credit once again when it is excellent to start with due to their delays. XXXX XXXX refused to move forward, asked me if I am refusing to supply them with yet another credit check, attempted to coerce me into stating that since I am choosing not supply another credit report, that as a result I would be terminating our agreement. I find this is highly suspicious and abusive activity from my mortgage company. I can only speculate that the motive for this type of behavior was to receive higher interest rate payments from customers for as long a period of time as possible when they quite possibly had no intention on closing at all. 

I have since refinanced with XXXX within XXXX weeks with nearly no effort which should discredit Caliber 's so-called concerns over my credit worthiness.
Product: Money transfer, virtual currency, or money service

On XX/XX/2022, a transaction was completed on my account for XXXX to XXXX which I did not authorize and subsequently reported to Cash App for a dispute. The funds were credited to my account and my existing card number was deactivated and reissued a new card. I have been the victim of identiy theft in the past and filed police report as well as internet crime report and an extended fraud alert added to my credit files. 

Yesterday, XX/XX/XXXX, the XXXX was deducted from my new cash app accont balance resulting in an overdraft of my account. When I reached out to Cash App support they informed me that they had reapplied the fraudulent charge and closed my dispute case. I have asked for documentation to support their decision and have not heard back. I also informed them I would be providing a police report of identity theft and Internet crime complaint.
Product: Credit reporting or other personal consumer reports

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX XXXX  it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.
Product: Credit reporting or other personal consumer reports

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report.

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity.

Furnish information about accounts or other relationships with a consumer that is accurate.

C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the XXXX XXXX compliance standards. 

Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRAXXXX XXXX XXXX compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB XXXX FTC and my Attorney General.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. XXXX XXXX XXXX / XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and Experian has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Debt collection

A XXXX XXXX XXXX representing XXXX ( XXXX XXXX XXXX XXXX XXXX ) has dinged my credit score for a XXXX Time as of XX/XX/XXXX ( See enclosed ) This matter has taken my score from XXXX to Less than XXXX. 
It is extremely disturbing the recycling un-validated debt is the new scam. 
XXXX mobile has done nothing to protect their current and past customers. 
A XXXX Retention Agent called be, apologized for the matter and waived the final amount. 
This my fifth time sending letters of dispute to each Credit Agency and XXXX. 
During my most recent call with XXXX, I was asked if I had written confirmation of the devices and payments being addressed. 
When I stated Yes I was placed on HOLD for XXXX Hour and XXXX minutes. 
Enclosed is a screen shot of my call with XXXX ( XXXX hours ) XXXX Representatives and no one could explain why my account was in collection. 
Payment ( s ) Made Line XXXX XXXX XXXX Amount Due as of XXXXXXXX  Account Closure XXXX XXXX Line XXXX XXXX XXXX Amount Due as of XXXX  Account Closure XXXX XXXX XXXX Total Due for XXXX XXXX XXXX XXXX XXXX account XXXX XXXX. Thursday, XX/XX/XXXX ( XXXX ) XXXX XXXX XXXX to Account Confirmation #. XXXX XXXX. Friday, XX/XX/XXXX ( XXXX ) XXXX XXXX XXXX XXXX # XXXX XXXX. Friday, XX/XX/XXXX ( XXXX ) XXXX XXXX XXXX XXXX # XXXX XXXX. Friday, XX/XX/XXXX ( XXXX ) XXXX XXXX XXXX XXXX # XXXX XXXX. Friday, XX/XX/XXXX ( XXXX ) XXXX XXXX XXXX XXXX # XXXX XXXX. Friday, XX/XX/XXXX ( XXXX ) XXXX XXXX XXXX XXXX # XXXX XXXX. Friday, XX/XX/XXXX ( XXXX ) XXXX XXXX XXXX Payment # XXXX XXXX Final Amount Due to XXXX The supporting documents entail : 1. XX/XX/XXXX ( XXXX XXXX ) Disputed Charges Letter 2. XX/XX/XXXX, XXXX XXXX debt is Valid XXXX XXXX States No Longer Handler of Account ( F ) 3. XX/XX/XXXX, XXXX XXXX for ( XXXX XXXX ) XXXX XXXX 4. XX/XX/XXXX, XXXX ( XXXX ( XXXX ) Billing for XXXX XXXX and XXXX XXXX ) $ XXXX 5. XX/XX/XXXX, XXXX ( XXXX XX/XX/XXXX ) XXXX Dispute Letter 6. XX/XX/XXXX, Accounting of Payment ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) 7. XX/XX/XXXX, XXXX XXXX 8. XX/XX/XXXX, Purchase Receipt of XXXX ( XXXX XXXX ) 9. XX/XX/XXXX and XX/XX/XXXX XXXX XXXX 10. XX/XX/XXXX, Account Status Request XXXX 11. XX/XX/XXXX ( XXXX  Cancel Account ) XXXX XXXX. XX/XX/XXXX ( XXXX of Devices ) 13. XXXX XXXX _ Consumer Financial Protection Bureau ( Initial Complaint ) Please investigate this matter and email me a full and complete accounting of my accounts. 
Do let me know you are in receipt of this email and each of the attached files. 
XXXX XXXX XXXX
Product: Debt collection

On XXXX/XXXX/15 I requested Business & Professional provide validation for {$160.00} debt being reported to credit bureaus. As of XXXX/XXXX/15 I have not received any response in relation to my request.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX last XXXX equifax Whom It May Concern : I received a copy of my credit report. To my surprise, you are orting this account incorrectly. 
This collection account is orting not only as OPEN, but also shows a past due balance According to the FCRA, I have the right to an rate credit report. Please remove this account immediately m my credit report. Please provide me a copy of my new dit report reflecting this account removed upon completion. 
sincerely, XXXX XXXX XXXX XXXX XXXX Last reported XX/XX/XXXX {$8200.00} Open balance XXXX XXXX XXXX Original creditor Report info XXXX XXXX Last reported XX/XX/XXXX {$5800.00} Open balance XXXX XXXX XXXX XXXX  Original creditor XXXX XXXX Last reported XX/XX/XXXX {$3800.00} Open balance XXXX XXXX XXXX  Original creditor XXXX XXXX Last reported XX/XX/XXXX {$950.00} Open balance XXXX XXXX XXXX  Original creditor
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. '' XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers ' nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless- the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which against the law. 15 U.S. Code 1681s-2 ( A ) ( 1 ) A states " 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. 15 U.S. Code $ 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. '' XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services. '' accounts # XXXX education accounts XXXX XXXX XXXX XXXX and # XXXX Conserve are violated my right.
Product: Credit reporting or other personal consumer reports

Account opened without my knowledge victim of identity theft. I have attached report XXXX XXXX XXXX Original creditor : XXXX XXXX {$1500.00} Balance updated XX/XX/XXXX Original balance {$1500.00} Account number XXXX Date opened XX/XX/XXXX Account type Debt Buyer Status Collection account. {$1500.00} past due as of XX/XX/XXXX. 

Status updated XX/XX/XXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

" I reviewed my consumer report and informed your agency on XX/XX/ about the items I disputed. Despite this, the issue remains unresolved in a manner that is fair and equitable to me as required by the FCRA. I sent a notice to your agency, including a FTC Identity Theft Report, and also filed a complaint with the Consumer Financial Protection Bureau CFPB. With this letter I have also included a FTC Affidavit to further substantiate my claim. 

Method of Verification Dispute Notice : Remove these Fraudulent Accounts, Inquiries & Inaccurate Personal Information. 

Your agency has clearly refused to follow the law and honor my previous request so I am requesting a reinvestigation and demanding your agency to explain your METHOD OF VERIFICATION in verifying these items, pursuant to the Fair Credit. ''