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

Over an extended period, I have diligently contested the inaccuracies present within the information provided to Equifax, XXXX, and XXXX. Despite my persistent efforts to rectify these discrepancies, I regret to inform you that the issue remains unresolved up to the current date.

Equifax 1. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX. Under 15 U.S. Code 1681i ( 2 ) Prompt notice of dispute to furnisher of information XXXX Account Number : XXXX Any other false, deceptive, or misleading representation or means in connection with the debt collection 3. Under 15 U.S. Code 1681i ( 2 ) Prompt notice of dispute to furnisher of information XXXX  Account Number : XXXX Any other false, deceptive, or misleading representation or means in connection with the debt collection XXXX 1. The following personal information is incorrect Previous Address ( es ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX 3. Under 15 U.S. Code 1681i ( 2 ) Prompt notice of dispute to furnisher of information XXXX  Account Number : XXXX Any other false, deceptive, or misleading representation or means in connection with the debt collection 4. Under 15 U.S. Code 1681i ( 2 ) Prompt notice of dispute to furnisher of information XXXX  Account Number : XXXX Any other false, deceptive, or misleading representation or means in connection with the debt collection 5. Under 15 U.S. Code 1681i ( 2 ) Prompt notice of dispute to furnisher of information XXXX Account Number : XXXX Any other false, deceptive, or misleading representation or means in connection with the debt collection XXXX 1. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, FL XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX. The following personal information is incorrect Employers : XXXX XXXX XXXX XXXX. Under 15 U.S. Code 1681i ( 2 ) Prompt notice of dispute to furnisher of information XXXX  Account Number : XXXX Any other false, deceptive, or misleading representation or means in connection with the debt collection 5. Under 15 U.S. Code 1681i ( 2 ) Prompt notice of dispute to furnisher of information XXXX Account Number : XXXX Any other false, deceptive, or misleading representation or means in connection with the debt collection
Product: Money transfer, virtual currency, or money service

Attempted to deposit a remittance from my cell phone provider to Chase. The bank teller informed me that she could not accept the remittance.. I spoke with a Chase customer service representative via phone call and she explained to me that i was indeed correct and Chase could and should accept the remittance. I then called my cell provider to assure i was handling the process correctly and they informed me that i was handling the process correctly. I then called Chase again, to explain the process before i attempted to visit a branch again. A customer service rep by the name of " XXXX XXXX '' told me that it is at Chase 's discretion on whether or not they accept remittance. I explained that according to CFR if the bank is FDIC ensures then you have to follow the Code Of Federal Regulations ... .i was then met with resistance and i was told that Chase does not have to follow Federal Law if their policy says they do not. Federal regulation is as follows 12 CFR 204.2 ( 1 ) Deposit means : ( iv ) Any due bill or other liability or undertaking on the part of a depository institution to sell or deliver securities to, or purchase securities for the account of, any customer ( including another depository institution ), involving either the receipt of funds by the depository institution, regardless of the use of the proceeds, or a debit to an account of the customer before the securities are delivered. A deposit arises thereafter, if after three business days from the date of issuance of the obligation, the depository institution does not deliver the securities purchased or does not fully collateralize its obligation with securities similar to the securities purchased. A security is similar if it is of the same type and if it is of comparable maturity to that purchased by the customer ;
Product: Debt collection

I had water service in XXXX VA back in 2011. In XXXX 2011 when I paid my bill I enclosed a note requesting service be discontinued on XXXX XXXX, 2011 because I was moving out of state. I left Virginia early on XXXX XXXX. I had a forwarding order in with the post office and never heard anything else from the water company. I recently discovered that I have XXXX collection accounts for that water service, both with different amounts. I disputed with the credit bureaus and requested proof from the collection agency, stating that since I only had service at XXXX location, I was concerned about having XXXX different collections. The collection agency sent paperwork which appears to show that XXXX collection account is for water service and XXXX collection account for collection fees. However, I noticed that water service was continued for almost 2 months after the date I had requested for disconnection. Furthermore, the last payment I made, placed into a water company drop box, was never credited. My deposit was also never credited. I was also never sent a final bill, so I was unable to dispute the charges for after I requested disconnection. Taking into account the deposit that was never credited and the the payment never credited, if the charges after I requested disconnect were removed, I believe the water company would actually owe me a refund. I absolutely feel the account for collection charges is wrong because if I am owed money, then how can I be charged collection fees? I do not believe the account for the balance is accurate, again because of unauthorized continuation of service and failure to credit payments and a deposit.
Product: Debt collection

I owe the amount of {$770.00} to XXXX XXXX XXXX XXXX since XXXX XXXX, XXXX. Phoenix Financial Services LLC ( phoenixfinancialsvcs.com ), a Collections Agency, recently acquired this debt and they have done a Negative Re-Aging of this debt with all Credit Reporting agencies, by reporting it as a new debt in XXXX of XXXX. This is an illegal practice.
Product: Credit reporting or other personal consumer reports

I believe that the compliance with FCRA 604B necessitates the elimination of erronous amounts from my credit report. Can you verify the documents? Several listed accounts contain inaccuracies, causing me discomfort.
Product: Credit reporting or other personal consumer reports

MY information was EXPOSED in multiple data breaches across TransUnion, XXXX, and XXXX. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my XXXX, Transunion, and XXXX report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX XXXX REMOVE THE INCORRECT ADDRESS OFF MY TRANSUNION XXXX XXXX XXXX XXXX XXXX Please remove this illegal address of my credit report as I have never lived here. 

XXXX XXXX XXXX # XXXX XXXX, OH XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Mr cooper mortgage put a negative report on my credit without notifying me of one late payment, no calls or letters was sent to me to remind me of the late payment. I'm on a process of closing on my new home which is suppose to be on the XXXX of this month. 
Please I want this issue to be resolved because the negative impact they made to my credit score is not fair to me and it's unacceptable. 
The late payment happened due to miscommunication between I and the representative when I make a payment arrangement with them in XX/XX/2022. 
The representative that I spoke to did not explain thoroughly to me about the payment, I tot I will start my regular payment in XXXX not knowing that It start in XX/XX/2022.
Product: Credit reporting or other personal consumer reports

There is a collection agency by the name of XXXX XXXX XXXX who is reporting a debt to my credit reporting stating you as the original creditor. I don't remember ever having an account with BMG with the balance reporting. My information was compromised in a data breach so please submit documentation of the agreement between your company and myself. Please send the correspondence sent to me notifying me that I had an account that was being sold to XXXX XXXX XXXX. Also, include the price that the debt collector purchased the debt. If you are unable to provide the requested information, please have the collection agency remove this account immediately. Failure to comply and/or provide validation is a violation of the FDCPA and FCRA
Product: Debt collection

Wrong amount has been posted on their notice of letter stating that I will be responsible for the items I 'm not familiar with. Though, I sent out a letter to resolve this credit since It is hard for to pursuit the identity theft and most of collection agency disregards this and keep posting this charge under my credit line and what 's even worse than this is they are trying to charge me even more to settle this debit
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 XXXX 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/year>
Product: Debt collection

I am seeing IC System on my credit report for a supposed collection for XXXX XXXX XXXX for a bill that was paid 4 years ago and at an address in which I have not lived in 7 years. I do not know who this company is, but have seen that XXXX complaints have been filed abouts scams that are very similar to my situation ( I.e. almost decade-old bills that had been paid years upon years ago and are being resurfaced via this company ). Please help!!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my another Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information are not relating to any transaction by the consumer. 
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
Product: Credit reporting, credit repair services, or other personal consumer reports

O n   XX/XX/XXXX  I received a packet from   XXXX   XXXX   XXXX  . The bank confirmed the fact they received my loan from   XXXX   XXXX   XXXX   on  XX/XX/XXXX   t o service. The account number is  XXXX . on my credit report from  XX/XX/XXXX . Case number  XXXX  you show a date of  XX/XX/XXXX  for that account. That is incorrect. I purchased my hom e   XX/XX/XXXX  loan number   XXXX   with   XXXX   XXXX  . The amount of my first loan was {$49000.00}. The loan with   XXXX   XXXX   XXXX   was discharged on  XX/XX/XXXX . The loan was wit h   XXXX   XXXX   XXXX   in  XXXX  .   XXXX   XXXX   XXXX   XXXX    confirmed this also. I had a loan with   XXXX   XXXX   also. The deed of trust is  XXXX  with   XXXX   XXXX  . The amount Of The loan with   XXXX   XXXX   was {$11000.00}. The loan was paid off.   XXXX   XXXX   XXXX   was a Home improvement loan. The spelling of my name was   XXXX   XXXX   XXXX   -the address was   XXXX   XXXX   XXXX    XXXX  TN  XXXX .   XXXX   XXXX   XXXX  -  XXXX   XXXX   XXXX   number  XXXX - XXXX  TN  XXXX ,   XXXX   XXXX  -  XXXX   XXXX   XXXX   XXXX  - XXXX .   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX  TN   XXXX      XXXX   XXXX    XXXX  TN -Attorney   XXXX     XXXX   XXXX   XXXX   XXXX  . I used his address once. Attorney   XXXX   XXXX   address was   XXXX   XXXX   XXXX     XXXX   XXXX   XXXX    XXXX  TN  XXXX . Instrument number on the property at   XXXX   XXXX   XXXX    XXXX   XXXX  is   XXXX   XXXX  . Instrument number   XXXX   shows   XXXX   XXXX   XXXX  , unmarried.  XXXX  in the register office of   XXXX   XXXX   County, Tennessee.   XXXX   XXXX  , The pathways subdivision as shown on plat book 64, page 33. The property was foreclosed on and sold to Tennessee Housing Development Agency.   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX  TN  XXXX . The amount the property sold for is {$18000.00}. The register of deed # is  XXXX . The property parcel I 'd is  XXXX   XXXX  at   XXXX   XXXX   XXXX    XXXX  TN  XXXX .
Product: Credit reporting or other personal consumer reports

I submitted several disputes and this company failed to resolve the issues.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 states " There is a need to insure that consumer reporting agencies exercise their own grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy. '' XXXX and Experian 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. '' ( U.S. DEPARTMENT OF EDUCATION ) 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. '' ( U.S. DEPARTMENT OF EDUCATION ) the financial institution and the Consumer reporting agencies XXXX and Experian do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, Experian, ( U.S. DEPARTMENT OF EDUCATION ) 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. '' ( U.S. DEPARTMENT OF EDUCATION ) 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 is against the law. 15 U.S. Code 1681s2 ( 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 Experian 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.
Product: Debt collection

I recently reviewed a copy of my credit report and I was shocked to learn that I have been a victim of identity theft. I found numerous accounts on my credit report that were not opened by me. This has been hurting me as I am in the process of buying a home for my family. Please remove these fraudulent accounts from my credit report as soon as possible.
Product: Checking or savings account

My checking account with JP Chase Morgan was compromised and the second I discovered a fraudulent check was made for {$500.00}! On XX/XX/XXXX I made my bank aware of it. 
I reported it on XX/XX/XXXX. I went into my bank and opened a new account with the branch manager XXXX. Opening up a new bank account is never easy because I have to notify so many accounts that I have automatically deposited and withdrawn as you can only imagine because I have had this bank account for so many years. 
My funds were to be transferred over to my new account. The funds were never transfer to my new account and my old account now was frozen. I was without access to any money for a few days and I could not have it resolved over the phone. 
I then went back into my bank and after hours I finally had access to my new account. My old account which was compromised was to be closed and as of today I found out it was NOT closed as it still remains open because I was notified that I have two charges of {$34.00} of insufficient fund fees. 
After all this and waiting to hear a response regarding this fraudulent matter on my account I expecting a call or a letter which I did not receive neither ... .so I called Chase XXXX 
I was told that my dispute of this fraudulent check being made was not only not investigated it was simply DENIED??? 
The reason was because I did not report it in time? My cutoff date was the XX/XX/XXXX and I reported it on the XXXX. I then asked to appeal the denied response which they did and I called back in a weeks time and it was STILL not only NOT investigated it was just simply denied again and a representative by the name of XXXX said there was absolutely no way to open the claim back up. 
I have banked with Chase for many many years and as a valued customer I would have believed that I would have been protected of any fraudulent matters on my account. I respectfully request that they honor me a 4 day grace period of reporting this fraud because I contacted them the minute I discovered it and I ask that they help me get my {$500.00} back. 
I am reaching out to you the Consumer Financial Protection Bureau in hopes that you can help me protect the funds that I have lost. 

Sincerely XXXX XXXX
Product: Credit reporting or other personal consumer reports

I recently noticed a hard inquiry on my credit report from JPMCB XXXX XXXX, dated XX/XX/year>. I did not authorize or initiate any application for auto financing or credit with this institution. This inquiry appears to have been made in error or potentially due to fraudulent activity. 

Please investigate this matter and remove the unauthorized inquiry from my credit report promptly. I appreciate your attention to this issue and look forward to your response/or update.
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

I tried to log into chase from a new device, but put in the wrong username. They locked me out as " suspicious ''. They had some phone numbers to call on the site. All numbers are inactive/defunct ( XXXX-XXXX-XXXX ( XXXX-XXXX-XXXX-XXXX ) ; TTY support : XXXX-XXXX-XXXX-XXXX  TTY support : XXXX-XXXX-XXXX-XXXX ). 

I called them through the number on my credit card and there was no option to talk to a person. Somehow, I got a person, and was on hold for 30 minutes. They transferred me to 4 other people, and each put me on hold for 10+ minutes. All asked personal questions. Last person wanted to text my old phone ( which I no longer have ) a confirmation message. When it was made clear that that number wouldn't work, they told me there was nothing they can do to unlock my account, and that I had to " find a banker '' to do it for me.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion XXXX XXXX are in violation According to 15 USC 1681i, TransUnion and XXXX 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. They have inaccurate and inconsistent information and as well XXXX is reporting the account twice while TransUnion has the account with no account number and has the account status as an OPEN account as well as an CLOSED ACCOUNT. They are in violation evidence provided below for US DEPT OF EDU Acct # XXXX & XXXX for TransUnion