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

in the past few months i've relentessly be in contact with all three major credit bureaus in regards to identity theft and fraudulent actions that have occured since my identity was recently compromised. Since after submitting supporting documentation in following up with my claim, Experian continues to report late payments from XXXX XXXX XXXX, a fraud related account that the creditor has closed due to it beining opened without my consent. In additon I have submitted correspondence from XXXX, XXXX and lXXXX XXXX XXXX XXXX that they have agreed to close out these accounts due to identity theft but these continue to remain on my credit report as inaccurate or wrong information. This clearly violates FCRA reporting guidelines and my right as a consumer and victim of idenity theft.
Product: Credit card or prepaid card

On XX/XX/XXXX and XX/XX/XXXX I received email from a Credit monitoring service that " there was a change in my credit history. '' When I investigated, I discovered a Chase Freedom credit card was opened in my name. I contacted the issuing bank, JP Morgan Chase Bank, at which time they shut down the card. I do have 2 other Chase credit cards, ( XXXX and XXXX XXXX ) that are " active ' and in use. I then contacted XXXX XXXX ( we have free credit monitoring from a data breach ) and they opened a case. I then " froze '' my credit file with XXXX, XXXX, and XXXX XXXX and also put on a Fraud alert. I was called XX/XX/XXXX by a representative form XXXX XXXX who I gave appropriate information after which they Closed the case. XXXX CASE # XXXX Closure : Your Identity Theft Case with XXXX.
Product: Credit reporting or other personal consumer reports

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

Account Name XXXX XXXX XXXXXXXX : Account XXXX : Balance : {$280.00} Account Name : XXXX : Account Number : XXXX : Balance : {$520.00} Account Name : XXXX : Account Number : XXXX : Balance : {$800.00} Account Name : XXXX XXXX : Account Number : XXXX : Balance : {$1200.00} Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX  ( Original Creditor : XXXX XXXX ) : Account Number : XXXX : Balance : {$1100.00} Unauthorized 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 XXXX XXXX XXXXXX/XX/XXXX
Product: Vehicle loan or lease

On XXXX XXXX, Ally Financial repossessed my truck, it was a voluntary repo, because they kept extending my payments past the 6 years that we signed for. My truck was suppose to go to auction after XX/XX/2019. At this point we have no idea what has happened to the truck, we did not get any paperwork telling us what the truck sold for or what our balance remaining is. I have contacted Ally several times and they wont give me any information.
Product: Money transfer, virtual currency, or money service

XXXX and other money transfers that were fraud initiated and completed without proper warning from financial institution
Product: Credit reporting or other personal consumer reports

My account with XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on XXXX. 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 my 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 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 XXXX 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

The reporting of this account ( XXXX ) is/are violations of 15 USC1681a, The Fair Credit Reporting Act [ 15 USC 1681 XXXX a ) ( XXXX ) ( B ) ] : ( XXXX ) Exclusions.? Except as provided in paragraph ( XXXX ), the term? consumer report? does not include? ( B ) any authorization or approval of a specific extension ofcreditdirectly or indirectly by the issuer of XXXX XXXX similar device OPEN LATE PAYMENT XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX {$140.00} THIS ACCOUNT IS INACCURATE, I DID NOT INCUR ANY LATE PAYMENTS. PLEASE UPDATE TO PAID ON TIME
Product: Credit reporting, credit repair services, or other personal consumer reports

i have contacted all XXXX credit bureaus as well as XXXX XXXX times challenging the accurate, compliant, and factual reporting of an account that is showing on my credit report. each time it comes back verified as accurate ... .what type of investigation are these companies doing when there are so many violations and inconsistencies in the reporting between the XXXX bureaus? there is no way they are conducting a proper investigation as required by law ... .i have attached a copy of the credit reporting with the errors i see circled,,,,, this account has been re aged which is a violation, this account is reporting a a charge off with a {$9200.00} balance and it is also reporting a high credit and a past due ... those are all violations as a " charged Off '' account should not be reporting any of that ... .look at the XXXX XXXX history it is not uniform across the board which it should be ... terms of XXXX XXXX  is also being reported on a " charged off '' account ... .look at the XXXX XXXX history as well ... there are so many inconsistancies
Product: Credit reporting or other personal consumer reports

I'm a victim of identity theft due to Data breach and have no knowledge of the said account but I'm been harassed and threatened by the debt collector and also reporting it on my report even after showing confirming and spoken to them that I have no knowledge of the debt and also explain to them that am a victim of identity theft they are still harassing me and threatening me to pay for account I have no idea about.
Product: Credit reporting, credit repair services, or other personal consumer reports

So on these dates XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX. These accountants were never authorized to be open or reflect on my credit, they was only authorized to do soft inquiries bases on the agreement that I had, I never authorized accounts to be opened to reflect on my credit .I need them removed immediately
Product: Credit card or prepaid card

XXXX XXXX ( address unknown ) were negligent or fraudulent in issuing a credit card under my name. I found out about the fraud when onXXXX of my credit cards notified me that my credit score had precipitously worsened. More than {$5000.00} had been charged in my name, and payments were not being made on the debt.
Product: Credit card

My name is XXXX XXXX XXXX, and I have been a loyal Citi Bank customer since XXXX. In XX/XX/XXXX, I noticed fraudulent transactions on my Citi XXXX XXXX Credit Card with the number XXXX XXXX XXXX XXXX. Immediately, I contacted Citi customer service to dispute these charges, which amounted to 10 transactions detailed in the attached statement for the month of XX/XX/XXXX. 

To my surprise, I later discovered that Citi had transferred these fraudulent charges to a new credit card ending in XXXX without notifying me. I want to emphasize that I never received this new card physically, and I certainly did not authorize or make any transactions on it. 

Recently, I received a notice demanding payment of the debt, totaling {$3100.00}, on the card ending in XXXX. Despite my repeated efforts, the situation remains unresolved since XX/XX/XXXX. The frequent calls and notices related to the fraudulent transactions have caused significant distress. Regrettably, this experience has led me to reconsider my banking relationship with CITI. 

Thank you for your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

I made a purchase of {$10.00} in XX/XX/XXXX. I made the payment on XXXX XXXX from the XXXX account but Barclay said it was made from my closed XXXX account when I inquired about the returned payment and late report to the credit bureaus in XX/XX/XXXX. I made the outstanding balance payment right away, but my issue was that the only reason I found out about the returned payment is that I subscribe to XXXX credit monitory system. I never received correspondence from Barclay about an issue with payment ; I only ever received confirmation that a payment was made. 

When I spoke with XXXX on XXXX XX/XX/XXXX, she informed me that their credit department reached a decision to not remove the late payment from my report. I found this to be interesting. I mailed Barclay 's department 3 times since XX/XX/XXXX and now they're deciding that they'll respond to me unfavorably in XX/XX/XXXX? This ruckus is over {$10.00} payment that was confirmed to be received, only to not be notified that there was actually an issue with payment after the fact? XXXX also said that I should have kept checking my account despite receiving official conformation from Barclay that the payment was received. I had not used the card since XX/XX/XXXX for me to keep checking an account that in their own correspondence showed that my account balance was {$0.00}. 

Barclay rather lose a customer of 7 years over {$10.00} than actually admit that their customer service is reprehensible, Every other financial institution I've ever worked with at least sends an email, or calls to let me know if there was a problem. I've also received letters from other financial institutions, even though mail is notable for getting lost or not being delivered in a timely fashion. I sent their credit department THREE letters since XX/XX/XXXX and I am just being notified about their decision in XX/XX/XXXX? Moreover, I provided proof in the form of payment confirmation screenshots and they still insist on negatively impacting my credit report for years. Barclay does not care about their clients. Their behavior is the height of contempt.
Product: Credit reporting or other personal consumer reports

I understand FCRA 605B requires us to delete any incorrect accounts from my credit report. Can you check the documents? Some of the accounts listed have inaccuracies in reporting, amounts, and dates.
Product: Credit reporting or other personal consumer reports

Called into Experian to have inquiries removed and was told to contact the CFPB. Please review attached dispute for unauthorized inquiries
Product: Credit reporting, credit repair services, or other personal consumer reports

On or around XX/XX/2022, I filed a complaint against the credit bureaus credit reporting and improper use of my credit report. The bureaus response to my complaint was that they would " re-investigate my consumer report '' for the accounts that I listed is violating my rights and would respond back within 30-60 days.

According to the FCRA the term " investigate a consumer report '' means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with whom he/she is acquainted or who may have knowledge concerning any such items of information. 

They stated that my accounts were verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % Accurate. And according to the FCRA 15 USC 1681 everything has to be 100 % Accurate. I have the credit report showing the inaccuracies. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

XX/XX/XXXX - I asked JFQ not to start my loan process on XX/XX/XXXX after he gave an origination cost of 3.5 % point and a high loan closing cost on XX/XX/XXXX while other bankers quoted me of a 1 % - 2 % of origination cost. 

XX/XX/XXXX - I sent him another email to reassure that the origination cost he quoted was too high and not to process my loan. 

XX/XX/XXXX - ignoring all my requests, JFQ sent me an email that " your loan is now underwriting ' in email. I responded to the email " how? '' I did not authorize the process and I did not put down the downpayment for the appraisal. 

XX/XX/XXXX -- I did not hear from him so I sent him an email again not to process mine on XX/XX/XXXX. But he keeps moving with my loan process ignoring me even though I did not make the downpayment for the process for the appraisal. Because of JFQ 's unauthorized process, XXXX can't process my loan. 

XX/XX/XXXX - JFQ continually ignored me and processed my loan. They sent me another email that " I was conditionally approved '. 

XX/XX/XXXX - JFQ asked me appraisal payment. I sent an email again to stop. 

XX/XX/XXXX - XXXX XXXX reported me that they can't process my loan because of JFQ is in the process of my refinancing loan and requested my title. 

XX/XX/XXXX -- I contacted XXXX XXXX at JFQ again to stop using my info for the unauthorized my mortgage process and to remove my info completely from JFQ 's database. He replied with the following manner. XXXX XXXX : I've withdrawn your loan earlier this week. When did XXXX come in the picture? Lol I thought you were moving forward with the other no name bank? '' XX/XX/XXXX - JFQ contacted my company for employment verification. 

XX/XX/XXXX - JFQ sent me another email again and requested an appraisal payment. 

XX/XX/XXXX - XXXX XXXX reported me again that they were not able to process my loan because JFQ is processing my loan. 

XX/XX/XXXX - Again, I sent an email to JFQ to stop blocking XXXX XXXX 's my refinancing process. 

XX/XX/XXXX - JFQ urged an appraisal payment again. 

XX/XX/XXXX - JFQ assured me they are removing my info from their database. 

XX/XX/XXXX - XXXX XXXX reported me again that they are not able to process my loan due to JFQ processing my loan. 

JFQ committed serious violations of multiple occasions. XXXX XXXX XXXX
Product: Checking or savings account

My name is XXXX XXXX. On XX/XX/23 Im looking through XXXX XXXX XXXX  for the used XXXX XXXX truck, I saw the the truck that I like at the place called XXXX XXXX XXXX in XXXXXXXX XXXX I contact them and talk to the guy name XXXX, The truck was listed at {$6900.00} and XXXX agree to sell the truck for {$6300.00} including delivery I asked XXXX how to pay him and he sending me email me the purchase agreement and instructions of how to send the money in the instructions they have the link that say CLICK HERE and the wallets address XXXX. When I press on the link click here its take me to the page that buys bitcoins online I follow the instructions put in the amount of {$6300.00} and the wallets address and it took me to the others page to fill out all of my personal information, when my transaction was approved I email XXXX the approved transaction email and he said he will delivery the truck, but the next day he send me the email asking to pay {$2000.00} more for insurance for the truck delivery I disagree with that and told him I cancel the deal, he said XXXX refund the money to me. As soon as he said that I know that I got scammed, I contact my bank asking them to stop the transaction while it in pending, I also file the dispute I also email my bank the police reports, the attorney general affidavit reports and the screenshots of the email between me and XXXX XXXX XXXX, couple weeks later I got the letter from my bank regarding the dispute in the letter they said based on the investigation they determined that no error has occurred, I disagree with their findings because it clearly a scam I hope that you getting involved to help me getting my {$6300.00} refund to me. Thank You!
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting a chapter XXXX bankruptcy on my credit in XXXX. I have spoken to them on numerous occasions and they refuse to help me. I have filed dozens of disputes with them and they refuse to respond or help me. I have explained to them that the information is incorrect XXXX XXXX does not allow 2 Chapter XXXX 's within a 10 year period. So how if I filed in XXXX can I file again in XXXX? Impossible. Today I provided them with a letter from the United States Bankruptcy Court Eastern District of California stating that I can not have filed in XXXX because it has only been 8 years. And they still have refused to help. I spoke to a Mrs XXXX in their Consumer Affairs Department and she stated on a recorded line she would not be removing the information. Please help me correct this wrong.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion has furnised 2 accounts on my credit report that have been stoping me and my children from purchasing a home. I have called Transunion 5 days in a row and they refuse to remove the items from my consumer report. I contacted the CEO and have attached a copy of the email I sent to him. Transunion is in violation of Permissible purpose of consumner reports. I did not give them written instruction to furnish these accounts on my consumer report. Please assist me and having these items removed from my report so that my children and I may purchase a home.
Product: Debt collection

In XX/XX/XXXX, they claimed that I owed {$9400.00} in rent from a past landlord from XX/XX/XXXX through XX/XX/XXXX. In fact, I don't owe this rent -- my lease expired XX/XX/XXXX, and I moved out entirely after that period, cleaned up entirely with no damages, and wasn't affiliated with the apartment in any way after that period. I paid rent every single month on time and never missed any payments even through the pandemic. I asked for proof of debt in a letter and they wrote back 6 months later ( which is too long to even be valid ) in XX/XX/XXXX with my lease which clearly says the lease period ended XX/XX/XXXX. Yet they claim that I owe rent from XX/XX/XXXX through XXXX XXXX was in no way shape or form living or involved with the apartment at any time during those dates. I don't know who was or who owes money or if anyone was even living there at that time but it wasn't me. They are claiming that I owe money for dates that are not on my lease and for dates that I was clearly moved out ( and have many witnesses to prove ). I wrote a letter to them asking for proof that I was living there during those time periods or involved in any way ( through subleasing or the like -- which I wasn't ) with the apartment during those time periods, and if they could not provide this info then the debt was not valid and they must legally cease all communication. They did not listen and send another letter 3 months later in XX/XX/XXXX with simply the lease again ( which still says it ended XX/XX/XXXX ), and no further information to validate the debt. Since they didn't listen to my legal request to cease all communication as this debt is not valid, I am forced to file this complaint.
Product: Student loan

Hello, Navient continues to call me as well as leave messages telling me they need to talk to my son, XXXX XXXX. They also say they need his contact information. They call repeatedly. I do n't have any updated contact information and I do not want to talk to them. I have co-signed loans with them and they are all current. I asked them to stop calling me, and they said they would put my number on the do not call list, but they keep calling. The number is XXXX.
Product: Debt collection

To Who

m It May Concern, I recently checked my credit reports and noticed a collection with a high balance reporting. This collection should NOT be on my reports and is NOT owed by me for multiple reasons. My recollection is that the cable company I had MANY years ago transferred my service to another company. This was done without my knowledge or authorization. When I found out what had happened, I immediately cancelled and RETURNED their equipment to the original company. In addition, I have never received any kind of invoice, letter, bill, email, or telephone call advising that this was an issue years ago. Again, I had no idea it existed until I recently checked my credit reports.
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 XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX 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  XX/XX/XXXX XXXX XXXX XX/XX/XXXX 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 XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) require the XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX : {$3700.00} XXXX XXXX Balance Owed : {$2200.00}