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

Chex Systems is Illegally reporting misinformation and wasn't given any permission by me to do so. 

Chex Systems reported me for suspected fraud activity on XX/XX/year> Account Number : XXXX XXXX Fair Credit Reporting Act ( FCRA ) : Under the FCRA ( 15 U.S. Code 1681 et seq. ), consumer reporting agencies must ensure the accuracy and fairness of the information reported. The inclusion of fraudulent information is a direct violation of this requirement. 

Fair and Accurate Credit Transactions Act ( FACTA ) : FACTA ( 15 U.S. Code 1681 et seq. ), which amends the FCRA, provides consumers the right to dispute and correct inaccuracies in their reports. The incorrect reporting of a fraudulent check undermines this provision. 

Identity Theft and Assumption Deterrence Act ( ITADA ) : This act ( 18 U.S. Code 1028 ) addresses identity theft and the use of false identification. Reporting a transaction made through fraudulently obtained information contravenes the protections afforded under this law. 

Consumer Financial Protection Act ( CFPA ) : Under the CFPA ( 12 U.S. Code 5531 et seq. ), financial institutions and reporting agencies are required to protect consumers from unfair practices, including the reporting of fraudulent information.

Fair Credit Reporting Act ( FCRA ) - 15 U.S. Code 1681b : This section outlines the permissible purposes for which a consumer reporting agency may furnish a consumer report. Reporting a fraudulent check without my authorization or a permissible purpose constitutes a violation of this requirement.
Product: Credit reporting or other personal consumer reports

I am writing to address persistent inaccuracies on my credit report, which I have been working to resolve. Despite my previous attempts, it seems that there have been no corrections made, prompting my decision to seek assistance from the Consumer Financial Protection Bureau ( CFPB ) to ensure the rectification of these discrepancies.
Product: Credit reporting or other personal consumer reports

XX/XX/2024 XXXX contact all XXXX Credit bureau, XXXX, Equifax, and XXXX advising the reps I noticed some unverified and unauthorized inquiries on my credit report that I would like to be removed. However the rep didnt want to assist with fraudulent reporting on my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

In XX/XX/XXXX I got a notice of collections from debt recovery services with the original debt originating from snap finance for the amount of {$700.00}. I called the collection agency to find out what this was about where the debt originated and how this couldve happened I was told Where it originated in the date which was in XX/XX/XXXX then inform them that Ive been in prison since XXXX technically Im still incarcerated Im at a federal Halfway House which I got there XX/XX/XXXX and Im set to be released XX/XX/XXXX. I informed them that there is no possible way of couldve opened this account and that this is not mine I do not acknowledge it and Im not going to pay it. This is the second collections account that has appeared on my credit report. I dont know why this one took so long to show up but when I got released and did my first credit pole, I had a collections account from a XXXX account and XXXX XXXX which I provided the documentation to show I was incarcerated and could not have opened this account and it was removed from my credit report account number is XXXX
Product: Payday loan, title loan, personal loan, or advance loan

I APPLIED FOR A LOAN WITH BMG MONEY BECAUSE I HAD AN EMERGENCY. THE LOAN WAS APPROVED, AND THE MONEY WAS MISTAKENLY DEPOSITED INTO SOMEONE ELSE 'S BANK ACCOUNT, THAT PERSON CALLED THE BANK AND SAID THAT THE MONEY DID NOT BELONG TO THEM, THE BANK RETURNED THE MONEY TO BMG MONEY ( TRACE ID XXXX ). I HAVE CALLED BMG MONEY MANY MANY MANY TIMES EXPLAINING WHAT HAPPENED AND THEY DO NOT GIVE ME THE MONEY. YESTERDAY I PERSONALLY WENT TO THE BMG MONEY OFFICES IN XXXX XXXX I EXPLAINED THE PROBLEM I AND THEY DO NOT GIVE ME A SOLUTION TO MY PROBLEM. PLEASE I NEED HELP.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent XXXX, XXXX, And Experian my identity theft Claim. They are furnishing student loans on my reports that are identity theft and i also never given written permission for these accounts to be furnished on my report pursuant to 15 USC 1681b ( a ) ( 2 ). THIS IS IDENTITY THEFT AND EXPERIAN, XXXX XXXX XXXX HAVE BROKE THE LAW This isnt fair to me and i am losing faith in the system and if these companies want to continue doing business with me, Then they need to remove these accounts off my report. 

I am attaching my identity theft report and my letters that were sent.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2019 contacted via mail Chexsystems about an error on their report. 
They never updated me about receipt of documentation. I then called Chexsystems on XX/XX/2019, to verify what was going on with the status of my error and was told to mail them documents. Sent documents via certified mail and still no word. Requested another report from Chexsystems to verify removal. They responded with it taking another 5 days. It has now been 9 months.
Product: Mortgage

XXXX XXXX XXXX I am filing this complaint after receiving a XX/XX/XXXX mailed response from Counsel for Nationstar Mortgage LLC that addressed XXXX XXXX and XXXX XXXX complaint and left these above valid complaints unresponded to by outside counsel as XXXX XXXX claimed would happen by XX/XX/XXXX and did not, as well as stating wholly false information as a response. 
Please see my objection and reply to the XX/XX/XXXX response to the XXXX XXXX and XXXX XXXX complaint as a wholly false response, proven by the attached XXXX Invalid agreement that superseded the invalid XXXX Agreement. Neither are confidential, and Nationstar owes me a remaining refund of {$6000.00} not damages as claimed by this Counsel in relation to the general damages payment of {$5000.00} paid without disclosure of the remaining refund of sales proceeds, without any explanation of an inaccurate payment allocation of {$11000.00} and whether or not it has been accurately allocated and without any explanation as to why the Company reported to three credit bureaus that XXXX XXXX XXXX XXXX underpaid their company in the specific amount of {$170000.00} between XX/XX/XXXX and XX/XX/XXXX and without any explanation as to where this false information in my credit files came from within the mortgage file for loan XXXX. 
I am seeking permission from the Court to receive my refund and damages caused by Nationstars actions between XXXX and XXXX, as attached, with a hearing date set for XX/XX/XXXX at XXXXXXXX XXXX, to which no proof of services has been yet produced for the amount in lines XXXX still held and retained by Nationstar in an open suspense account 8 years after accepting the payoff demand to which was by law, the mortgage and Nationstars servicer guidelines this account was to be closed out and amounts refunded to me within 20 days and it was not, nor were any services performed to cause the initial collection of the funds in the first place.
Product: Credit reporting, credit repair services, or other personal consumer reports

Self Inc./ Lead bank has taken adverse action against me, with forethought and malice, by furnishing inaccurate and knowingly false late payments to my consumer report without my lawful authority. This adverse action as defined under 12 CFR 1002.2 ( c ) ( 1 ) ( i ), which has the same definition as 15 U.S. Code 1691 ( d ) ( 6 ), has negatively affected my ability to extend credit and operate in commerce. Congress makes it clear that causing a restraint of trade or conspiring to cause a restraint of trade, pursuant to 15 U.S. Code 1, is declared to be illegal to and carries both civil and criminal penalties. My right to privacy and my right to know where and how to direct the disclosure of my nonpublic information in accordance with 15 U.S. Code 6801 ( a ) of the Gramm-Leach Bliley Financial Protection Act, has been violated. 

I am aware that not excluding transactions between, I, the consumer, and the creditor is a violation of 15 U.S. Code 1681a ( 2 ) ( A ) ( i ). The consumer reporting agencies were not exercising their grave responsibility in respect to impartiality when furnishing this false and misleading information to my consumer report. Reasonable procedures were not taken to insure the accuracy of the information given by Self inc/ Lead Bank before furnishing it. This shows that the consumer reporting agencies have shown bias towards me because I never gave my lawful authority for any consumer reporting agency or Self Inc/ Lead Bank to furnish any late payments to my consumer report. It is my belief that due to Self Inc business relationship with the consumer reporting agencies, ( such as XXXX, XXXX, XXXX ), they parrot any information given to them as a means of coercing consumers to pay extra fees for debts that they allegedly owe.
Product: Credit reporting, credit repair services, or other personal consumer reports

* XXXX was notified of maturing PNC heloc note on or about XX/XX/XXXX. I was unaware that the note was a 15 year vs 30 years. 
* I also received a Refi notice/option by mail from PNC a couple of days prior to the loan maturing email. 
* I contacted PNC Refi on XX/XX/XXXX, specifically noting the need to Refi the expiring loan. I provided the Refi CSR the maturing loan number that matured on XX/XX/XXXX. 
* Apparently no one from the Refi Dept alerted the Loan Dept of the ongoing application for refi, as I found that no payment was taken by auto draft on XX/XX/XXXX as expected. 
* I called the Loan Dept on XX/XX/XXXX and provided them with the information/CSRs involved in the refi, and requested how to handle the loan payments until the refi closed. 
* CSR noted I should make my " regular '' payment amount until the loan closed, and took my payment over the phone. 
* That was apparently not the exact protocol. These incorrect instruction provided by the CSR on XX/XX/XXXX have led to a complete fiasco ( as is my ongoing refi ), and subsequently caused PNC to report " late payments '', although all payment been made thru XX/XX/XXXX as instructed by a PNC representative. 
* Attached documents explain in detail
Product: Money transfer, virtual currency, or money service

First, the company ( Sendwave ) claimed that my bank ( XXXX XXXX  ) had charged them because I filled a complaint with XXXX about the actions of Sendwave. 
I contacted my bank. My bank ( XXXX said they do not have a policy like what Sendwave is claiming. Still, they would not refund my money after they assured me that they have the money. ( per their email of XX/XX/2023 ) So, I took the matter to court, ( XXXX XXXX, Indiana  Small claims court ) The judgement was in my favor. Still, up to now, Sendwave has not refunded my money to my bank account as they promised in their email ( XX/XX/2023 ) The money involved before the court case is {$2900.00}. 
I am hoping that this department can help me collect the money without having to spend on collection fees.
Product: Mortgage

The lender has failed to respond to our QWR and Notice of error request sent on XX/XX/17 and are proceeding to sale set for XX/XX/2017 - the lender is in violation of regulation X-12 USC 2605 ( e ) ( 1 ) and the client 's right to counsel.
Product: Mortgage

I was discharged from a Chapter XXXX Bankruptcy in XX/XX/XXXX. Based upon feedback from my attorney and Chase Bank, I was advised that an audit would be complete by Chase Bank prior to my loan being released to normal servicing. As of today XX/XX/XXXX my loan has yet to be released to normal servicing, I have been unable to get a complete loan history of my payments because the loan still remains in a bankruptcy status and Chase Bank has stated that I appear to be behind XXXX mortgage payments. I have advised them on several telephone conversations that I would like to ensure that the payments were posted properly during the bankruptcy to and validate against payment made to the bank as I do not believe there should be any delinquent payments. Chase has provided each month that I called that it would be another 30 days for the audit to be complete with no real resolution to my problem.
Product: Credit reporting, credit repair services, or other personal consumer reports

As os XX/XX/2023 my student loans have been discharged by the department of education on the basis of my total and permanent XXXX. 

I do not have any student loans therefore, I would like them removed from all credit bureaus/ or show a XXXX balance
Product: Debt collection

I am filing to dispute all inaccuracies on my credit report with Equifax.
Product: Credit reporting or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these accounts as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an immediate update of the following erroneous information on my credit report : USDOEXXXX XXXX US DEPT ED XXXX US DEPT ED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Product: Credit reporting or other personal consumer reports

My account with EXPERIAN was never late! I have had exceptional payment history with XXXX  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 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 ( MONTHS REPORTING 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. 


EXPERIAN 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 formally request the removal of a late payment entry associated with my account XXXX under the provisions of the Fair Credit Reporting Act ( FCRA ). 
According to 15 U.S. Code 1681s-2, creditors have an obligation to report accurate information to credit reporting agencies. I believe that the late payment reported on XXXX, XXXX, XXXX does not accurately reflect my payment history, and therefore violates this provision. 
Furthermore, under 15 U.S. Code 1666b and 15 U.S. Code 1681i, I have the right to dispute any inaccuracies and to have them investigated. I request that you review my payment history and consider removing the late payment from my credit report. 
I have always valued my relationship with XXXX XXXX and have made all my payments on time, except for this instance, which I believe may have been an error or the result of such as a delay in payment processing. 
I kindly ask that you provide me with a response to this request within 30 days. Should you find that the information reported is incorrect, I would appreciate your assistance in correcting it with the credit reporting agencies. 
Thank you for your attention to this matter. I look forward to your prompt response. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

My accounts with XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX 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 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 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 XXXX XXXX, XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 have not supplied under the doctrine of estoppel by the silence of XXXX XXXX XXXX ( mo ) XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. ( please remove these accounts before I seek litigation for defamation of character ) XXXX XXXX XXXX balance {$2500.00}, XXXX XXXX XXXX XXXX XXXX {$7600.00}, XXXX XXXX XXXX XXXXXXXX XXXX {$4200.00} XXXX XXXX XXXX balance {$8900.00}, XXXX balance {$280.00}, XXXX XXXX balance {$0.00} XXXX XXXX XXXX XXXX balance {$1100.00}, XXXX XXXX XXXX  XXXX reference # XXXX.
Product: Debt collection

I, XXXX XXXX entered a consumer credit card transaction with XXXX and Ally financial on XX/XX/2017. Pursuant 15 USC 6802 XXXX or Ally financial never disclosed to me that I had the option to opt-out of this transaction being reported, this consumer credit transaction included a finance charge Pursuant 15 USC 1605 a finance charge is a sum of all charges in a consumer credit transaction. 
XXXX and Ally not only took a down payment but they advertised down payment in violation 15 USC 1602.

Ally also reported this transaction to a consumer reporting agency which is a violation of 15 USC 1681. This transaction arose from a credit card which is supposed to be excluded from a consumer report.

Pursuant 15 USC 1635 right to rescission Ally nor XXXX never disclosed to me that I had a right of rescission.
Product: Credit reporting, credit repair services, or other personal consumer reports

After receiving a copy of my report, I saw these INACCURATE items on my personal profile, I noticed that there are ITEMS still on my credit report which are still continuing reporting. This is disappointing because I have been disputing fraud accounts on my credit report all this time. I do'nt like what i've found. Per Fair Credit Reporting Act Section 605B ( a ) the credit bureaus are required to remove all the inaccurate items which are opened without my knowledge and consent. So these are the fraudulent items needs to remove : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 have called the corporate number as well as the regular customer service number on numerous occasions from XX/XX/XXXX up until now XX/XX/XXXX as the reporting to the credit bureaus are incorrect. 

The company has over 20 late payments on my account reporting showing me late when the have 1 ) applied all of payment of {$350.00} towards INTEREST ONLY 2 ) add a non-requested extension on the account without authorization showing no payment.