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

My credit report is still showing late payments on XXXXXXXX XXXX XXXX XXXX XXXX XXXX  despite the multiple letters sent. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or customer service representative.
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. I told XXXX, XXXX XXXX equifax to reinvestigate these accounts, however, they stated everything was complete and accurate, but how is that possible if the open date, date of last activity and much more is incorrect. 

The accounts below have violated my rights. 
15 U.S.C 1681 section 602A. 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 ) ( a ) 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. 


I amwriting to delete the following information from my file. The items I deleted are listed in the report I am a big team of identity theft and I did not make the charge. I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the federal tray, commission identity, theft, affidavit. 
Please delete this items as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir or Madam, As discussed with the lender to no avail, I was not aware that XXXX XXXX XXXX  had assumed my mortgage from the previous lender, as I had received no correspondence nor any phone calls from anyone until XX/XX/XXXX. 
On XX/XX/XXXX, I spoke with XXXX XXXX XXXXXXXX XXXX customer service representative who explained that XXXX XXXX XXXX had become the new lender, and, as a result, it was owed 3 months-worth of mortgage payments. Even though I was surprised that nobody had contacted me before, on the very same day, I wired the amount owed at that time, i.e., {$5100.00}. Since then, I have been paying the mortgage payments regularly, that is, I paid {$1200.00} on XX/XX/XXXX, and {$1200.00} on XX/XX/XXXX. In addition, I also enrolled in automatic payments. As my credit history demonstrates, I have never, not once, missed a payment with any creditor. Despite XXXX XXXX Bank failure to contact me about the assumption of my mortgage until XX/XX/XXXX, and despite my punctual payments since then, they have not updated my statements. In addition, to my surprise, they have also reported false information to credit agencies and noted that I have missed all payments to date, even though I have paid all that is owed so far, that is, a total of {$7700.00}. 
I am therefore hoping that you would assist with this matter and request that they update their records and immediately withdraw the delinquency notice with the credit agencies. 
Please contact me at XXXX if there is anything I can provide ( bank statements, etc. ). 
Thank you and best regards, XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I previously filed a formal complaint with the Federal Trade Commission ( FTC ) regarding unauthorized inquiries on my credit report. The reference number for that complaint is XXXX, filed on XX/XX/XXXX. 
Complaint Description : My credit report contains unauthorized inquiries that were made without my consent. Upon contacting the creditors responsible for these inquiries, they confirmed they have no evidence that I initiated these inquiries and lack any written or verbal authorization from me. 
Due to the lack of valid grounds for these inquiries, I formally requested their immediate removal. The credit bureau in question has not provided a satisfactory response, which is why I filed a complaint with the FTC. 
Details of Disputed Inquiries : XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXX  ( Fair Credit Reporting Act, FCRA ) : Permissible Purposes : Under Section XXXX, unauthorized inquiries do not meet the requirements for permissible purposes. 
Handling of Unverifiable Information : According to Section XXXX, any inquiry that can not be verified must be removed. 
Right of XXXX : Section XXXX grants me the right to verify each inquiry with an original signed contract. 
Information Provider Responsibility : Section XXXX requires that reported data is accurate and authorized. 
XXXX XXXX Identity Theft : Section XXXX mandates the removal of unauthorized inquiries potentially related to identity theft. 
Additional Legal Support : Cases such as XXXX XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX, XXXX ( XXXX ) reinforce that inquiries must meet the FCRA 's XXXX purposes requirements.
Product: Credit reporting

XXXX this account is old and still reporting way further back than it needs. As well creditor agreed same stating deliquincies listed though i dispute are from well over 5 years ago. 

XXXX bureau still reporting another old delinquincy, grantor states should not go back this far XXXX XXXX fraud account XXXX fraudulent inquiries XXXX Show Details XXXX/XXXX/XXXX XXXX Credit Cards XXXX Show Details XXXX/XXXX/XXXX XXXX Show Details XXXX/XXXX/XXXX XXXX XXXX Credit Cards XXXX Show Details XXXX/XXXX/XXXX XXXX Credit Cards XXXX Show Details XXXX/XXXX/XXXX Banking XXXX Show Details XXXX/XXXX/XXXX XXXX Credit Cards XXXX XXXX XXXX Show Details XXXX/XXXX/XXXX Banking XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX Show Details XXXX/XXXX/XXXX XXXX XXXX Show Details XXXX/XXXX/XXXX XXXX Show Details XXXX/XXXX/XXXX XXXX Show Details XXXX/XXXX/XXXX XXXX Show Details XXXX/XXXX/XXXX Banking XXXX XXXX XXXX Show Details XXXX/XXXX/XXXX Banking XXXX Show Details XXXX/XXXX/XXXX XXXX XXXX Show Details XXXX/XXXX/XXXX XXXX Show Details XXXX/XXXX/XXXX XXXX Show Details XXXX/XXXX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

Yes spoke to them about the mortgage being incorrect that will information derogatory information as well as a couple of other delinquent accounts which don't belong to me I am indigent so I don't check on the regular basis but when I do I've reported it I've been indigent for 15 years now and this is unfair, upon investigation for the last 15 years of incorrect information and she may be 20 years I will be doing a class civil class action suit but I need you guys to repair this and take it off I work too hard I'm a good person I don't deserve this stuff for my credit report that doesn't belong to me I need action,
Product: Credit reporting, credit repair services, or other personal consumer reports

On the XXXX of XX/XX/2021 i filed a compliant about the incorrect information reporting on my credit report also complaint id # XXXX. I also disputed the problem with Transunion and XXXX  30 days ago and have not received any results yet. by FCRA is a violation the item must be removed. XXXX XXXX XXXX collection account number XXXX
Product: Credit card or prepaid card

My card was fraudulently charged on the weekend of XX/XX/XXXX for over {$200.00} ( {$160.00}, {$57.00}, {$8.00} ). I called Chase XX/XX/XXXX as soon as the charges were discovered and clearly explained the fraud charges. Chase cancelled or credited those charges for 40 days then rebilled all the fraudulent charges to me saying they were valid. Further attempts to correct this with Chase resulted in being put on hold for an hour while being transferred to the fraud department only to have an automated message say they could not help with the issue before hanging up. Chase still has me charged for those fraud charges that I did not make and Chase is actively breaking consumer protection laws by ignoring my fraud report and trying to force me to pay it
Product: Student loan

I have been dealing with Mohela since my loans were transferred there. I was pressured to apply for the SAVE program and was informed this would lower my payment. It actually doubled my payment amount per month. This is creating significant financial strain on my family. 2 of my loans are ready to be forgiven. I have submitted up to date employment certification so that these loans can be forgiven, but I have been told it can take 90 days to process that information and then another 90 days to reprocess my payment amount. This is an absurd amount of time and is affecting my family 's wellbeing. Student loan borrowers should not be penalized for Mohela 's inability to process requests in a timely manner.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

My account with XXXX  was never late! I have had exceptional payment history with XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in months that are reported late to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXX XXXX XXXX Account # : XXXX XXXX XXXX Account # : XXXX XXXX  XXXX Account # : XXXX XXXX XXXX XXXX  Account # : XXXXXXXX XXXX Account # : XXXX XXXX XXXX Account # : XXXX XXXX XXXX Account # : XXXX  XXXX XXXX Account # : XXXXXXXX XXXX XXXX  Account # : XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes.

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian keeps reporting inaccurate names and addresses on my credit file I have asked several times for the removal of those names and addresses. I have also provided the ID numbers attached to those fraudulent names.
Product: Credit card or prepaid card

After 22 years of membership with American Express, suddenly for the last 3 months it looks like my payments made every XXXX of the month are not being properly credited, and when they recently called, the request was simply made for a printout of payments versus charges for that last 3 months. Not received, they want you to utilize their normal online billing statements which when you pay do not even show the last payments. How hard can it be for XXXX XXXX to make their billing and payments clear to the customer, and to email a simple charge for this month and paying for this month accounting by email. 
XXXX XXXX XXXX Further in the attached jpeg of dispute against XXXX XXXX, XXXX XXXX gives an expected date of resolution as XX/XX/XXXX, that is too slow.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit card

Chase bank has held XXXX of my credit cards for many years. Chase bank recently closed both credit cards without my knowledge or consent and marked me as deceased and reported my status to the credit bureaus as deceased. As a result, my other creditors have started freezing my credit, and calling to check the status of whether or not, I am deceased, this includes my mortgage, my car payment, and my other credit cards. This has been a nightmare. I sent this to the XXXX XXXX XXXX  and XXXX of their agents called and left me a message stating she was working on it, but the phone number that she left for me to call her back was an incorrect phone number and not XXXX that belongs to Chase, but it is a phone number that belongs to XXXX air-conditioning. I demand Chase update my status from deceased immediately and change the status of my Chase credit cards as XXXX closed per my request. I will never do business with XXXX bank and I will tell everyone I ever meet for the rest of my life what a horrible company this is.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have notified this bureau about fraudulent information reporting to my credit profile. The information, ation being reported on my credit do not belong to me and as the fair credit report section 605 states that I have the right to have this information removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a credit card from XXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX and they said their system mistakenly put me on paperless billing, which I did not request, and it caused me 60 day late. As you can see, I have always had a stellar payment record. I tried contacting Experian, XXXX, XXXX, and XXXX with no successful resolution. Experian, XXXX, and XXXX reporting me 60 days late. There was an error on their part. I was never 60 days late.
Product: Credit reporting or other personal consumer reports

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 result from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identit theft!! Please delete these items as soon as possible!

These accounts should not be furnished on my consumer report as they are in VIOLATION!

Under, 15 U.S Code 16816 - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consume I am demanding the deletion of the accounts listed IMMEDIATELY. 

XXXX XXXX  Inquiry Date Removal Date Type Phone Number XXXX XX/XX/XXXX Automotive ( XXXX ) XXXX XXXX  XXXX Inquiry Date Removal Date Type Phone Number XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX ( XXXX ) XXXX XXXX XXXX XXXX  XXXX Inquiry Date Removal Date Type Phone Number XXXX XX/XX/XXXX Inquiry Type : Auto Financing XXXX XXXX XXXX Inquiry Date Removal Date Type Phone Number XXXX XX/XX/XXXX Auto Financing ( XXXX ) XXXX Inquiry Type : Automobile Dealers, New XXXX XXXX XXXX Inquiry Date Remova Date Type Phone Number XXXX XX/XX/XXXX Automobile Dealers, New ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

XXXX ACCOUNT SHOWS UP ON MY CREDIT REPORT, DATE : XX/XX/year>2024 AMOUNT : {$2200.00}
Product: Checking or savings account

On XX/XX/XXXX I closed my Chase account. We had been with Chase for many years. They had encouraged us to go paperless with the promise that would always have access to our account information. On XX/XX/XXXX we were doing our taxes and spent 4.5 hours with XXXX  linking our Chase and other accounts to download our information to file our XXXX taxes. All information came through from Chase and we decided to work on it Monday XX/XX/XXXX. On Monday morning all Chase information was still accessible. We worked on it a little then came back to it in the afternoon. Suddenly ALL our transactions and information had disappeared. I thought maybe I had pushed a wrong button. I called XXXX and they were baffled. After 3 hours with XXXX they informed us that Chase had cut off the link to them and labeled us with an account closed error code. 

We called Chase to ask what was happening. After an hour with Chase and 4 department transfers we were told that Chase had an internal memo on this account to route it to the fraud department. The fraud department told us there was no fraud detected on this account and they didnt know why it was flagged. We asked how we could get our account information which is our personal property and which we paid for in bank fees when we were banking in Chase. They said we had to go to a Chase bank and ask and no one at the Chase customer service phone departmenrt could help us. The bank branch said they could not help us and refused to give us our statements. We are not able to file our tax returns without this information. We believe it is our personal property and they have no right to withhold it for what seems like vindictive reasons when they promised we would always have access when we went paperless. We know they are required to keep our information for at least 5 years. Our account number is # XXXX Business name is XXXX XXXX XXXX XXXX XXXX XXXX. Our request is to be able to download our transactions to XXXX  for the year XXXX and up to the time we closed our account in XXXX. The availability was there 3 days ago and only after we updated the link with XXXX did it disappear. We believe Chase is acting with impunity to deny us access to our IRS required information and they need to flip the switch on and allow us to download all information they have until the account close in XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

They furnished a report without my permission. Which is a violation to pursuant to 15 usc 1681b ( 2 ). They reported transactions from my credit card to a my consumer report which is a violation to 15 usc 1681A ( 2 ) ( b ). They also reported and transferred over my information without my permission. A " credit '' check doesn't consist of having my intellectual property " reported '' unauthorized.
Product: Credit reporting or other personal consumer reports

Under 15 U.S. Code 1692e.False or misleading representations- ( 8 ) you failed to notate this account was in dispute within 30 days now this account in violation XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$880.00} XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$210.00} XXXX XX/XX/2023
Product: Credit reporting, credit repair services, or other personal consumer reports

Reached out to the lexis Nexis in regards to a judgement showing from XXXX XXXX XXXX  XXXX  from XX/XX/14, requested report And it shows no information but when mortgage company requested info it showed information