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

This is a Direct Dispute for the Data furnisher of the information on my consumer report. On XX/XX/2021 I audited my XXXX XXXX report and found numerous discrepancies on it. Based on the information on my credit report I was never sent any fascimile advising of any of bills due or of the negative reporting. I challenge the ACCURACY and INTEGRITY of the information furnished on my credit report by the data furnisher XXXX Bank. They have not provided proof of receipt of all bills and notifications sent. 
Pursuant to 12 CFR 1022.41 Accuracy means that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer correctly : ( 1 ) Reflects the terms of and liability for the account or other relationship ; ( 2 ) Reflects the consumer 's performance and other conduct with respect to the account or other relationship ; and ( 3 ) Identifies the appropriate consumer. 

Integrity means that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer : ( 1 ) Is substantiated by the furnisher 's records at the time it is furnished ; ( 2 ) Is furnished in a form and manner that is designed to minimize the likelihood that the information may be incorrectly reflected in a consumer report ; and ( 3 ) Includes the information in the furnisher 's possession about the account. 

Because of the carelessness of XXXX Bank I have been denied credit based on their furnished information which is materially misleading in evaluating my creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living. All of which have been defamed because of the corporations lack of attention to this matter. 
This company has not contacted me nor provided any information through any mediums. They have not provided Reasonable policies and procedures concerning the accuracy and integrity of furnished information.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a 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. " ( XXXX ) 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. '' ( XXXX ) 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, ( XXXX ) 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. '' ( XXXX ) 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 reporting services for the account regards to XXXX.
Product: Credit reporting or other personal consumer reports

This is NOT a duplicate report and this is not filed by a 3rd party or Credit Repair Agency. 
In Accordance with the Fair Credit Reporting Act Convergent these accounts below has violated my rights according to 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Furthermore, please provide the following : 1. The Original Contract With My Signature On It 2. Creditor Information ( Name, Address and Phone Number Of Original Merchant ) 3. The Payment History and Itemized Billing Associated With Each Account 4. Proof Of Ownership ( Proof That The Company Trying To Collect This Debt Has Authorization To Do So ) If you can't provide these four things please delete these accounts from my credit report. Thanks
Product: Credit reporting or other personal consumer reports

I recently submitted a request for an investigation of the disputed accounts, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, 3 Credit Bureaus must update the following accounts from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX/XXXX/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fourth attempts to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the inaccurate informations in my credit record that came about due to an alleged fraud : The following are seems to be an arror on my file that needs to remove : XXXX XXXX Balance Owed : {$1300.00} ; XXXX XXXXXXXX Balance Owed : {$2900.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$750.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPTEDXXXX  XXXX Balance Owed XXXX {$0.00} ; DEPTEDXXXX XXXX Balance Owed : {$0.00} ; DEPTEDXXXX XXXXXXXX Balance Owed : {$0.00} ; DEPTEDXXXX  XXXX Balance Owed : {$0.00} ; DEPTEDXXXX XXXXXXXX Balance Owed : {$0.00} ; DEPTEDXXXX XXXXXXXX Balance Owed : {$0.00} ; DEPTEDXXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$1300.00} ; XXXX XXXXXXXX Balance Owed : {$2900.00} ; XXXX XXXX XXXX Balance Owed : {$750.00} ; XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I hope this message reaches you promptly. I am writing to express my deep concern and frustration regarding the unresolved issue of fraudulent items associated with my account. Despite multiple attempts to rectify this situation, the fraudulent items persist, causing significant distress and financial hardship. 

I have diligently reported this matter on multiple occasions, with the initial complaint lodged. Regrettably, each attempt to resolve this issue has been unsuccessful, and the continued presence of these fraudulent items is adversely affecting my financial stability and overall confidence in your services. 

I urgently request the following actions be taken : Conduct a comprehensive review and investigation into the origins and nature of the fraudulent activities. Ensure an exhaustive and effective attempt to promptly remove all fraudulent items and transactions associated with my account. 

Improve communication channels to keep me regularly informed about the progress made, providing transparent updates on the ongoing investigation and efforts to resolve this issue. 

Implement additional preventive measures on my account to mitigate the risk of future unauthorized access or activities. 

Given the prolonged inconvenience and the impact on my financial well-being, I kindly request that you consider appropriate compensation or accommodations to address the stress and disruption experienced. 

I understand the challenges associated with addressing such matters but emphasize the critical nature of a swift and effective resolution to restore my confidence in your services. 

Please acknowledge receipt of this letter and inform me promptly of the concrete steps being taken to resolve the issue. If the necessary actions are not taken promptly, I may be compelled to escalate this complaint to relevant consumer protection agencies and explore legal avenues to protect my rights and interests. I am asking for your assistance to remove these fraudulent items in my credit file : XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$13000.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXXXXXX XXXXXXXX XXXX Balance Owed : {$1500.00} XXXX XXXX XXXX XXXX Balance Owed : {$13000.00} XXXX XX/XX/2023.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted several dispute with experian, XXXX and XXXX for a medical bill reporting on my credit report, and also my mortgage company XXXX  - XXXX  reporting inaccurate missed payments. I have attached the results of the dispute of the medical record reporting on my credit report. The item still hasn't been removed, it was added to my report a second time after the dispute with a new open date of XX/XX/XXXX. My credit score has dropped significantly due to the bill reporting on my credit report. I have shown proof that the bill was to be paid by workers compensation settlement in 2019. I have also submitted a dispute against my mortgage company for reporting inaccurate missed payments. I submitted proof that the payments were mad on time. Some of the missed payments were corrected, then added back to my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2022 I notice an account on my credit from XXXX that was an open account which took me at a surprise. I had an account with them but I had paid it off. So when I saw this account it said open XX/XX/2022 and payments were made on this account but it had stopped being paid. I was wondering why my credit score had dropped but this is why. 
I reached out to the company expressed that this is not my account and that I needed to know what to do to get it off my credit. 
I was advised if I thought this was fraud to file a police report submit it and they would take it off my credit report. 
I did so and the. I received a message stating since they have all my info which is apparently they have my info from my own account that they were not removing it. 
This is causing me several credits points and I have done my due diligence and they are violating my consumer rights.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the bankruptcy reporting associated with the reference number XXXX. It has come to my attention that LexisNexis is reporting this bankruptcy, which I believe to be inaccurately attributed to me. Below is a summary of the bankruptcy information I am disputing : Reference Number XXXX Bankruptcy Type XXXX  XXXX Date Filed XX/XX/year> Court Name US Bankruptcy Court Filing Location XXXX, OH Pending Discharge Date Under the Fair Credit Reporting Act ( FRA ), I am requesting that you verify whether this bankruptcy is correctly matched to my personal information. Specifically, I ask that you review your records, validate the accuracy of the identification information used, and ensure that this bankruptcy is indeed associated with my file. 
As you are aware, the FCRA requires that all information reported by consumer reporting agencies be accurate and verifiable. If you can not provide documentation proving that this bankruptcy is accurately matched to me, it is your obligation under the law to immediately delete this information from my file. Inaccurate or unverifiable information must be removed within 30 days of my dispute, per FCRA guidelines. 
Failure to correct or verify this information constitutes defamation of character and damages my reputation. If you fail to act in accordance with the FCRA and remove or correct the inaccurate bankruptcy reporting. I will have no choice but to pursue legalreporting. I will have no choice but to pursue legal action for defamation, along with any other remedies allowed under law I will attach a copy of my ID
Product: Credit reporting

Equifax has 4 accounts and will not remove them. I told them ID THEFT VICTIM AND they stated after numerous investigations they have proven accounts were mine and refuse to remove. However. One account is XXXX AND THE ADDRESS FOR THE COMPANY IS WRONG AND FALSE. ALSO I CONTACTED THEM AND THEY HAD NO RECORDS OF ME OR ADDRESS ACCOUNTS WERE LINKED TO. THEY EQUIFAX, XXXX, and XXXX are all ID FRAUD ACCOUNTS AND EQUIFAX refuses to REMOVE IT BECAUSE THEY STATED THEY VERIFIED THE 4 accounts were mine. I asked how they knew that. And all EQUIFAX STATED WAS THE INVESTIGATION IS ELECTRONIC AND ALL THE DEBT COLLECTORS HAVE TO GIVE THEM IS NAME DATE OF BIRTH AND LAST OF SOCIAL SECURITY. THESE ACCOUNTS HAVE BEEN DISPUTED OVER AND OVER AND STILL APPEAR ON MY CREDIT REPORT ALTHOUGH THEY ARE ID FRAUD. EQUIFAX XXXX AND XXXX ALL REFUSED TO REMOVE AND I CONTACTED ALL COMPANIES AND NOTIFIED THEM. AND ALL I GET IS ITS NOT MY ACCOUNT FROM THE CREDIT ACCOUNTS BUT ID THEFT HAPPENED AND NO ONE WILL REMOVE THEM! Please Help me
Product: Mortgage

THIS SAME SITUATION HAS COME UP AGAIN AGAINST XXXX XXXX XXXX AND NOW SELECT PORTFOLIO OUT OF UTAH. MY FIRST COMPLAINT WAS RECEIVED BY Y0U ON XX/XX/XXXX, XXXXREFERENCE # XXXX COMPLAINT STATED THAT IN MY SETTLEMENT AGREEMENT I WAS GIVEN ONLY {$600.00} FOR MY TROUBLE BUT A PRINCIPAL REDUCTION ON MY LOAN. RECEIVED OFFER FROM XXXX XXXX XXXX XX/XX/XXXX. THIS WAS NOT A FORM MAILOUT AS IT INCLUDE MY LOAN NUMBER AND BORROWERS NAME PROBLEM ONE THEY ACCELERATED MY PRINCIPAL FROM XXXX TO XXXX.YOU HAVE THIS COMPLAINT IN MY FILE WITH SUPPORTING DOCUMENTS. XX/XX/XXXX OUR ATTORNEY ISSUED A LETTER TO BOA WITH CORRECTIONS ON THE OFFER AND WE WERE TO PAY OFF THE LOAN BASED ON TRUE NUMBERS OF MY SETTLEMENT. THEY HAD 30 DAY TO RESPOND INSTEAD SOLD SERVICING RIGHTS TO SELECT PORTFOLIO. SELECT REFUSES TO HONOR THAT SETTLEMENT. AT THE TIME ATTORNEY. NOW WITH MONEY TIME STRESS WHERE WE ONCE HAD THE CASH NOW I HAVE A BUYERS AND I WANT WHAT WAS PROMISED ME THRU MY EFFORTS TO HELP YOU BRING DOWN THE FRAUD SCHEME WITH THE BANK. SELECT HAS STALLED ME WONT COME TO THE TABLE TALKS ONLY OF LOAN MODIFICATIONS WHICH IN THAT TRAP THEY DENY IN THE END AND THEN YOUR CASE FOR PROBLEMS FROM THE FIRST LOAN U CAN NOT USE. I ACTED IN GOOD FAITH TO MIDIGATE THEY DID NOT. I WANT TO KNOW THAT WHEN THE XXXX HANDS DOWN A SETTLEMENT THAT IT HAS TO BE ABIDED BY IN FAVOR OF BORROWER. I NEED YOUR HELP IN THIS MATTER. SINCE XXXX I HAVE TRIED TO MIDIGATE THEY ARE NOT INTERESTED MY NEW CASE # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My Credit Union, XXXX XXXX XXXX XXXX XXXX, merged with XXXX XXXX XXXX XXXX XXXX. All of my accounts/credit card/loans transferred from XXXX XXXX XXXX XXXX XXXX to XXXX XXXX XXXX A Credit Card for XXXX XXXX still shows up on my credit report, as well as the converted credit card for XXXX XXXX. Therefore, I have XXXX credit cards showing on my credit report, whereas I only have XXXX ( with XXXX XXXX ). XXXX XXXX sent a letter to the credit agencies to take the XXXX XXXX credit card off of my credit report. I received a letter from XXXX XXXX stating that their records indicate that my accounts are only reporting once, however, I just looked at my credit reports and both accounts are there for the same card ( XXXX on XXXX XXXX  and the other on XXXX XXXX ). The issue is that I've paid off my XXXX XXXX Credit Card, but my XXXX XXXX Credit Card is showing a high balance. 

I'm in the market for a home loan and this is a problem. My home is supposed to close at the end of XXXX. 

I've tried to dispute it online, but every time I click on the link, XXXX XXXX XXXX, I get an error message and it won't let me do the dispute. I'm seeing the information, my lender is seeing the information, XXXX XXXX is saying that they are only rporting the XXXX credit card, and XXXX XXXX XXXX XXXX XXXX XXXX is out of business ( as of XX/XX/XXXX when they merged ). 

What do I do? 

Best regards, XXXX XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/2024, I sent off my investigation letter to ensure my credit report was accurate. 

The Credit bureaus stated these accounts were properly investigated ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  but how is that possible if the open date is inaccurate, the date last active is inaccurate, and the date last reported is inaccurate. This is grounds for removal. They also 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. 

I haven't given these accounts written permission to furnish these accounts on my credit report.
Product: Checking or savings account

1. My mother is in the beginning stages of XXXX and is XXXX XXXX. I get financial help by State of CA, IHSS. Because she has recently lost the ability to eat or drink, I now have to XXXX to XXXX her thru a " XXXX XXXX '' that goes directly to her XXXX since XXXX XXXX XXXX. This is much more time consuming as well as expensive and the state employees informed they would increase my hours. However, this took many months and so they paid me retroactively for the previous time. The money was split into four different checks ; each about {$950.00}. In an effort to expedite payment to me, the state rep told me they would pay my mother XXXX XXXX directly for the retroactive amount, then continue to pay me directly with increased hours, even though this money is actually legally money I earned from the State of CA, IHSS.
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2. I deposited these checks into my Chase Bank account on Friday, XX/XX/XXXX expecting the checks to clear on Tuesday, XX/XX/XXXX. However, because the checks were in her name, Chase did not release the funds.
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3. I went to my local Chase Bank branch on Tuesday, XX/XX/XXXXand explained the above to the branch manager XXXX XXXX. He called the appropriate Chase reps and explained the above.
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4. The reps told XXXX that if I bring my mother in with two forms of ID, they would release the funds.
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5. I then went to pick up my mother, XXXX XXXX and came back to the bank with her, in a XXXX XXXX, and the appropriate ID ; a CA state issued Drivers License and SS card as well as credit cards in her name.
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6. The rep, XXXX, then informed the reps telephonically that he had verified her ID. He then informed her what was happening and asked her permission. She shook her head yes. The reps then indicated they would release the funds.
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7. On Wednesday,XX/XX/XXXX, after the funds were legally released into my account, Chase Bank branch manager XXXX XXXX took it upon himself to transfer the remaining balance from my account back to my mother 's account with no permission from myself or my spouse XXXX XXXX, who shares my account. My mother 's account was overdrawn by approximately {$260.00}. By transferring the money without my permission, I paid the overdraft fees which we were planning to pay later with different funds.
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8. Chase Bank branch manager XXXX XXXX had no legal right to transfer any funds from our personal accounts. If Chase Bank does not do anything about this, I will seek legal recourse.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX XX/XX/2025 Experian XXXX XXXX XXXX XXXX, TX XXXX Subject : Dispute of Incorrectly Reported Collection Account Dear Experian, I am writing to dispute an inaccurately reported collection account on my credit report. The details of the account are as follows : XXXX XXXX XXXX XXXX This account was previously removed from my credit report due to inaccuracy. Its reappearance violates the Fair Credit Reporting Act, specifically Section XXXX ( a ) ( XXXX ) ( B ), which prohibits the reinsertion of previously deleted information without proper verification. 

I request that you investigate this matter and remove the incorrect information from my credit report. Please inform me of the results of your investigation and provide a copy of my updated credit report. 

Thank you for your prompt attention to this matter. 

Sincerely, [ Your Signature ] XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

sunday XX/XX/XXXX XXXX i i was asking for help wanting my charges to be suspended adn they pretty much told me there was nothing they could do for me