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

I looked at my report back on XX/XX/2024, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act 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. These accounts XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX, are not complete and accurate. 

XXXX XXXX XXXX XXXX open date is not reporting correctly, date last active, date of last payment is not correct, this account is more than XXXX years old and is not accurate XXXX XXXX XXXX XXXX open date is not reporting correctly, date last active, date of last payment is not correct, this account is more then XXXX yrs old and is not accurate XXXX XXXX XXXX open date is not reporting correctly, account number, date last active, date of last payment is not correct, this account is not accurate XXXX XXXXXXXX open date is not reporting correctly, date last active, date of last payment is not correct, this account is not accurate XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX open date is not reporting correctly, date last active, date of last payment is not correct, this account is not accurate
Product: Credit reporting, credit repair services, or other personal consumer reports

The account status is wrong and this account is NOT IN REPOSSESSION. This account was settled in full for a CASH payment of {$5000.00} ( not collateral ) in XXXX of XXXX Also, the creditor is in breach of contract for mis-applying payments and is deliberately ill-reporting the account out of spite for being caught in their dishonest business practices. Either this account shows as a PAID loan ( as it honestly is ) or this will be going in to litigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit Bureaus stated Account XXXX XXXX XXXX XXXX # XXXXXXXX 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 XXXXXXXX was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal. 

They are also the violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish an account without my written instructions.

They are also the violated my rights under 15 U.S.C 1681 Section 611 ( 2 ) ( a ) : The law clearly states the credit bureaus have 5 days to notify me from when they receive my disputes.

They are also the violated my rights under 15 U.S.C 1681 Section 611 ( 5 ) ( a ) ( l ) ( ii ). The law clearly states if items are found inaccurate or can not be verified the consumer reporting shall promptly delete the information from the file of the consumer
Product: Debt collection

I am writing to report a bank error that is affecting me in a huge way. My name is XXXX XXXX. My SSN XXXX, my Date of birth is XX/XX/XXXX. I tried to solve this issue with JP Morgan Chase but they refused to give me a fair solution. I have an account with JP Morgan Chase bank. Account information : JP Morgan Chase-Auto Finance. Opened date : XX/XX/XXXX. Highest balance {$50000.00}. 

I processed my payment for XXXX ON TIME ( two days before the due date ), as I always do every month. This time, I paid through the online banking, looking for a way to make it easier for me. For any reason, the web site indicated that the transaction was SUCCESSFUL. 

I never received a late payment insertion or at least a call from Chase to warn me about my reports getting a hit, that is a clear violation to the Fair Credit Reporting Act. 
I have never been late in my life. This is the first time that a late payment is reported in my credit history and is because of a BANK ERROR. I NEVER RECEIVED A LATE PAYMENT INSERTION BY MAIL. This is negligence, UNFAIR BUSINESS PRACTICE, breach of contract and the list of violations can go on once I sat down with my attorneys. 

I must say that Ive been trying to set up auto-pay through the JP Morgan Chase website for more than 1 month ago, but I have not been able to because this website is not friendly at all, its very hard to understand. That is why I processed a onetime payment two days before the due date. Ive been always willing to process my payments on time and this is the reason why I have an excellent credit score, but this wrong information reported to the credit bureaus is killing me. It seems that Chase bank intentionally make this automatic payment very hard to do online and pretty sure it is not the first time you here this. 

I demand a deletion letter from the mentioned company as soon as possible so I can provide to my mortgage company and get approve with interests I want. If Chase Bank refuses to provide letter of deletion letter through CFPB portal, I will not think twice to take this issue and be decided by a judge in a Court of Law. Thanks to whomever reads my complaint. 

Please see ATTACHED BANK STATEMENT as proof of funds at the time the payment with Chase was due. Proving this was not a money factor or even worst that I wouldnt want pay.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I have been contacting Experian, XXXX and XXXX   since XXXX of this year to inform them that the information they are reporting is false. Originally I had different names, addresses a different social security number and 5 accounts on my credit. I have sent them a police report and they have removed the names, addresses and social but have failed to remove the 5 accounts that are detailed in the report. I have called and have not been able to reach anyone by phone. I am requesting your assistance .... i know we are in an economic disaster but it shouldn't take this long. 

XXXX XXXX XXXX XXXX??? Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX Account Number XXXX
Product: Checking or savings account

I was on vacation about two years ago and Wells Fargo stole money from my account on several occasions. The money was there one day and the next it's just gone. It doesn't show what happened to the money it was just gone. It came out to about {$200.00}. So I changed my bank for the first time in twenty years because of this.
Product: Credit reporting, credit repair services, or other personal consumer reports

This will be my last Complaint to inform the Credit Reporting Agencies that I was a victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) the Credit Reporting Agencies are required to remove any ITEMS which were 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. If the Credit Bureaus do not comply with the requests, it leaves me no choice but to pursue legal action. I need the following items deleted as soon as possible : XXXXXXXX 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
Product: Student loan

I call nearly every month to have my payments lowered base on income based payments, the person on the line states what my new amount will be. Come next month, the amount due is NOT what was stated on the phone. I am forces to pay the full amount other wise I am penalized for not paying full amount. Forced to call and talk to a new representative and explain my whole situation AGAIN, they tell me the other person did it wrong and now " problem is fixed ''
Product: Money transfer, virtual currency, or money service

Wire transfer of {$99000.00} and {$100000.00} on About XX/XX/2022 Money was sent to XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

My information was apart of the data breach. Please remove these accounts immediately. 
FCRA 605B ( 15 U.S.C. 1681c-2 ) ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information. in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX days.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint to highlight significant discrepancies, mismanagement, and potential violations of the Fair Credit Reporting Act ( FCRA ) regarding my XXXX XXXX account. This complaint pertains specifically to XXXX handling of the account reporting status, including inconsistent and misleading information provided to the credit bureaus, despite XXXX own statements about the accounts status. 

XXXX. XXXX  Acknowledgment of Written-Off Status On XX/XX/XXXX, XXXX, XXXX XXXX Relations representative from XXXX, XXXX via email that this account was " written off '' on XX/XX/XXXX, and transferred to Convergent. However, XXXX actions do not align with this statement. Verified information from the collection agencies shows different assignment dates that contradict XXXX 's account. Specifically : XXXX. Ongoing Reassignments to XXXX Agencies Post-Write-Off Despite being written off, XXXX has continually reassigned this account to multiple collection agencies without selling the debt. This series of assignments without an official sale indicates that XXXX retains ownership of the debt and is solely responsible for the reporting. Here are the assignment details for reference : 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 Present The ongoing transfer of the account to different agencies after it was written off raises questions about XXXX  reporting practices and compliance with industry standards. Once an account is written off, it is customary to cease reassignments or clearly document the sale of the debt. These reassignments indicate a lack of accountability and transparency. 

XXXX. XXXX XXXX XXXX Credit Bureaus XXXX credit bureau displays this account differently, further adding to the confusion. 

Experian categorizes it as a XXXX account with no indication of charge-off status. 

XXXX lists it as both XXXX and XXXX with an active balance, even though the account has been closed. 

XXXX also lists it as a collection account, not reflecting the supposed written-off status. 


The lack of consistency across these reports is not only misleading but likely violates FCRA standards for accurate reporting. By failing to update the status to " charge-off '' as XXXX from XXXX XXXX stated, XXXX appears XXXX be inaccurately representing the account status to the credit bureaus. 

XXXX. Non-Compliance with FCRAs Requirements for Accurate and Consistent Reporting Under the FCRA, consumer information reported to the credit bureaus must be accurate and complete. XXXX current handling of my account reporting does not meet these standards, given the contradictions between its internal communications and the credit bureau reports. This lack of transparency and proper updating misleads potential creditors about the true status of my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I found a fraudulent account on XX/XX/XXXX, for XXXX XXXX  XXXX XXXX XXXX. I notified them by phone on XX/XX/XXXX but they wouldn't make a claim because I wouldn't give them my whole Social Security number just the last 4 digits. I emailed them, sent them a hard copy letter demanding they remove the account with verification of my identity, a copy of my FTC.gov identity theft report, and police report number. I mailed the packet via tracked mail priority mail requesting they remove the false report within four days. I sent the same packet and a letter to each credit reporting bureau, and placed a freeze with all three credit bureaus. I started disputes with each credit bureau, and my packets were delivered on XX/XX/XXXX. I received a notice on my Experian credit monitoring that Experian dropped my credit score by 33 points on XX/XX/XXXX. I provided them with proof of my identity, proof of a fraudulent address used for the fraud account. Allegedly the fraud account was opened in XXXX, a delinquent charge off was made sometime in XXXX of XXXX, but there was never any report of this account by XXXX until XXXX of XXXX. The account was never on my earlier credit reports. I have credit monitoring and monitor my credit all of the time. I am a XXXX employee and have to maintain good credit. This could negatively impact my job. XXXX has not responded at all, and I have two other XXXX accounts in excellent standing. The credit bureaus are no help, and ignored the driver 's license I sent to verify my identity along with all the other documents I sent. This is a scam against consumers and XXXX  as well as the credit bureaus should be held accountable for their actions.
Product: Credit card

I APPLIED FOR A VISA FROM CHASE BANK AND WAS DENIED, I DON'T KNOW WHY THEY DID IT IF I HAD 2 XXXX CARDS ( PLATINUM AND BLUE CARD ) I THINK MY SCORD IS NOT IN THE CREDIT REPORT, ONE OF THE XXXX CARDS IS FROM 1991 IF COPIES OF CREDIT CARDS ARE REQUIRED, THEY WILL BE SENT IT, COULD YOU HELP ME ABOUT IT.. THANK YOU
Product: Credit reporting or other personal consumer reports

The Child Support Enforcement Unit In New York State has been reporting outdated and incorrect information since 1998. I have made child support payments that have not been accounted for on my consumer credit report. I will be uploading proof of inaccurate information that is being reported on my consumer credit report. Per U.S. Code 1681s-1 ( Information on overdue child support obligations states : That a State or local child support enforcement agency or a verified State, Federal Government agency can use this information can be reported on if it antedates the report by 7 years or earlier. Also per 15 U.S. Code 1681b. Permissible Purpose of Consumer Reports states : This report is only to used to establish an individual 's capacity to make child support payments, determining the appropriate level of such payments, or enforcing a child support order, award, agreement or judgment. The consumer report will be kept confidential, and will be used solely for a purpose described in subsection ( A ), and will not be used in connection with any other civil, administrative, or criminal proceeding or, or for any other purpose and The Child Support Enforcement Unit of New York State has violated those rights.
Product: Credit reporting or other personal consumer reports

I am filing this complaint against Equifax for their failure to properly investigate and remove unauthorized hard inquiries from my credit report, in violation of the Fair Credit Reporting Act ( FCRA ). Below, I detail the issue and supporting information : Unauthorized Inquiries Identified : During a recent review of my credit report, I discovered multiple hard inquiries that were conducted without my authorization. These inquiries were made without my written or verbal consent and do not have a permissible purpose as required under Section 604 of the FCRA ( 15 U.S.C. 1681b ). 

Violation of Verification Obligations : I submitted a dispute letter to Equifax requesting verification of these inquiries, including copies of the original signed contracts that purportedly authorize them. Under Section 609 ( a ) ( 1 ) ( A ) of the FCRA, Equifax is legally required to provide verification, yet they failed to do so.

Failure to Reinvestigate and Remove Inaccurate Information : Pursuant to Section 611 ( a ) of the FCRA, any information deemed inaccurate or unverifiable must be removed from the credit report. XXXX inaction following my dispute constitutes non-compliance with this requirement. 

Identity Theft Claim : These unauthorized inquiries are potentially linked to identity theft. I filed an identity theft report with the Federal Trade Commission ( FTC Report XXXX : XXXX ) and included it in my dispute submission. Equifax is required under 15 U.S.C. 1681c-2 to address identity theft claims promptly and accurately. 

List of Disputed Hard Inquiries : 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
Product: Vehicle loan or lease

I was tasked with short notice deployment around mid XXXX. Once it was confirmed on around the XXXX, I proceeded to call companies to get my services stopped and deferred. 

With GMFinancial, it doesn't seem like they respond at all to communications. When I contacted by phone around the XXXX, they kept me on hold or hung up the line. I managed to get hold of one on the XXXX and the representative told me to email the documents proving my deployment, after trying to figure out what I'm supposed to do. 

I attempted to do that, but their email server rejected it. 
" Your message wasn't delivered due to a permission or security issue. It may have been rejected by a moderator, the address may only accept e-mail from certain senders, or another restriction may be preventing delivery. '' I attempted to call over and over, but it's always the same thing. I've tried their emails, and the in-website service for " contact us '' 3 times.

I've been at my deployed site for 2 weeks with no response. If this keeps up, this will impact my credit because of their irresponsibility. I can not make phone calls out here either.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am reporting a fraudulent inquiries found in my credit report
Product: Credit reporting or other personal consumer reports

According to FCRA 15 USC 1681b ( a ) ( 2 ) Trans Union is in violation of this LAW because FCRA 15 USC 1681 ( a ) ( 2 ) states these accounts need for me to give instructions.I never gave Trans Union any instructions and they should not be on my credit report without my instructions.

I am a FEDERALLY PROTECTED CONSUMER and I did not give Trans Union any INSTRUCTIONS as provided under FCRA 1681b ( a ) ( 2 ). 
Delete the XXXX accounts listed below : XXXX : XXXX XXXX XXXX # XXXX. 
Trade : XXXX XXXX  XXXX XXXX # XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is NOT a duplicate letter or a copy ...... THIS IS NOT A DUPLICATE or a COPY I am a real person trying to get answers on these fraudulent accounts. 

I sent a letter to XXXX and Trans Union on XX/XX/2022. However its been over 30 days and NOTHING. ( please help me ) .Is not making sense. They did not send my investigation back. When i checked out the laws it states Procedure in case of disputed accuracy.If the completeness of accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consume, and the consumer NOTIFIES the agency directly, or INDIRECTLY through a reseller, of such disputes, the agency shall, FREE OF CHARGE, conduct a reasonable investigation to determine whether the disputed information is inaccurate and record the current status of the disputed info, or delete the item from the file according to paragraph five, before the 30 day period?
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the 10th time that I have contacted these two reporting agencies and I'm disappointed in the lack of integrity that these people take to hold our credit reports! FIX THIS ASAP! I've paid PERFECT payments since XX/XX/2018 and you need to report this on my credit!!! My score has dropped since you stopped reporting it! So put this back on now! I have PROOF that this account is {$5000.00} limit and I've made perfect payments since opened! So report it! XXXX  is reporting it so YOU NEED TO REPORT AS WELL! ACCOUNT # XXXX MAJR FINANCIAL {$5000.00} limit
Product: Mortgage

In XXXX of 2020 they paid my insurance company twice on accident. They have yet to get that money back. The insurance agency has sent the check but it has not been deposited. The company XXXX has not gave me a response on how they will be getting my money back. Nor am I able to go directly to the insurance company as the payment came through amerihome.
Product: Credit reporting or other personal consumer reports

Months ago, I sent the XXXX credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct the following accounts : 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

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. 

Account Name : 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these items and fix the negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXXXXXX 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