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

The bankruptcy in question was voluntarily dismissed by the court, as evidenced by the attached court order. Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to ensure that all information on a credit report is accurate and complete. Reporting a dismissed bankruptcy does not accurately reflect my current credit status and is effectively equivalent to no bankruptcy at all. 

I have contacted Experian multiple times, providing them with the court order dismissing the bankruptcy. However, Experian has refused to remove the dismissed bankruptcy, insisting that it will remain on my report as " dismissed. '' This continued reporting is unjustly damaging my credit score and financial opportunities, misrepresenting my creditworthiness, and leading to higher interest rates and denied credit applications. 

Attachments : 1- Copy of the court order dismissing the bankruptcy.

2- Copies of correspondence with Experian regarding this dispute.

Requested Resolution : I am seeking the CFPB 's assistance in ensuring that Experian complies with the FCRA by removing the inaccurately reported dismissed bankruptcy from my credit report. I request that the CFPB investigate this matter and take appropriate action to ensure that my credit report accurately reflects my financial history. 

Thank you for your attention to this matter. Please confirm receipt of this complaint and keep me informed of any actions taken.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are accounts on my credit report that are unauthorized and unverified
Product: Mortgage

My mortgage company put on my credit report that I was 31 to 60 days late on my house payment. They did the same thing 3 years ago. I had proof then and I have proof now that I was NEVER 30 days late, let alone 31 to 60 days late. 
I called and they supervisor I spoke with was very rude to me about it. I stated I had proof and she refused to take it. She told me to write her a letter and then they would consider that matter but until then I 'BETTER MAKE MY PAYMENTS ' or she will make sure she continues to put negative marks on my credit report. 

Last time this happened I had to file a complain and call the corporate office to get it off my credit report. I paid my account then and now, I was never 30 days late on this account.
Product: Credit reporting or other personal consumer reports

I am disputing a charge-off reported by XXXX XXXX on my credit report. The account was opened on XX/XX/XXXX, and has a reported balance of {$6500.00}. The account is marked as a Profit & Loss Write-Off, suggesting that XXXX XXXX has written off the debt and may have received a tax benefit for it. Since this debt is no longer collectible, it should not remain as an outstanding balance on my credit report. 

On XX/XX/XXXX I requested verification of the debt and supporting documentation from XXXX XXXX to prove that the balance is accurate and that they still legally own the debt. However, I have not received a response or sufficient proof to substantiate this debt. Despite my attempts to resolve the matter, the charge-off remains on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have a right to privacy.

15 U.S.C section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Debt or credit management

I've been taking to court for owing XXXX in regards to medical debt and i want to see if I have options to prevent this from happening.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my Follow-up request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX WATER XXXX CT XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXXXXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$1100.00} XXXX XXXXXXXX Balance : {$1800.00} XXXX 'S XXXX XXXX Balance : {$250.00} XXXX XXXX XXXX Balance : {$2200.00} XXXX  XXXX XXXX Balance : {$1600.00} XXXX XXXX XXXX Balance : {$1600.00} XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX A XXXX XXXX Balance : {$650.00} ( Original Creditor : ) XXXX Balance : {$2200.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

My complaint is about the handling of funds in an estate account for which I am the beneficial owner. My initial contact was on XX/XX/, and to date, Chase has been unable or unwilling to distribute these funds to an active account in my name. 

On XX/XX/, I provided the information Chase requested : my ID, proof of my change of name through marriage, and a notarized form indicating how I wanted to receive the funds in the estate account. On XX/XX/XXXX, XXXX XXXX, the banker I had been corresponding with, informed me that they could not do a bank transfer and asked me to provide a new notarized form, which I provided on XX/XX/XXXX. On XX/XX/XXXX, XXXX XXXX informed me that she thought I should have gotten a check already, and that she would get back to me. All of my correspondence with XXXX XXXX is attached. 

I never got another response from her or from the manager at her branch. I contacted Chase customer support on XX/XX/XXXX and was informed on XX/XX/XXXX that the XXXX XXXX team had my request and would reach out to me. I contacted them on XX/XX/XXXX and XX/XX/XXXX for an update and never got a response.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. These accounts are hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. Here is the items I am asking you to verify as accurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing once again to express my bewilderment regarding the handling of the investigation into the fraudulent accounts on my credit report by your credit bureau. 

As you are aware, I have submitted the necessary FTC report to the Federal Trade Commission concerning this fraudulent account. Following this submission, both XXXX and XXXX have removed this account from their records. 

XXXX XXXXXXXX.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against ( XXXX XXXX Account # XXXX ) for violating the Fair Credit Reporting Act ( FCRA ) and to seek relief for the distress and financial harm caused by their actions. 

Complaint Details : ( XXXX XXXX Account # XXXX ) Date of Incident : XX/XX/2024 Nature of Complaint : Multiple errors and inaccuracies, Method of investigation, How did you verify this account as accurate? 

Inaccurate Reporting : ( XXXX XXXX Account # XXXX ) has reported inaccurate information on my credit report, including an incorrect balance and misleading payment terms for a collection account. This false information has significantly harmed my credit score. 

Lack of Notification : ( XXXX XXXX Account # XXXX ) did not notify me in writing about the alleged debt before placing it on my credit report, depriving me of the opportunity to dispute the debt or verify its validity. 

No Contract or Business Relationship : I have never engaged in any business with ( XXXX XXXX Account # XXXX ) and have no contractual agreement with them. Their reporting of this debt is unauthorized and unfounded. 

Unauthorized Entry on Credit Report : ( XXXX XXXX Account # XXXX ) added this account to my credit report without my consent, violating my right to privacy and the provisions of the FCRA that require accurate and fair reporting of credit information. 

Impact : The actions of ( XXXX XXXX Account # XXXX ) have significantly damaged my credit score, leading to potential denials of credit, increased interest rates, and other financial hardships. Their failure to comply with the FCRA has also caused emotional distress and financial instability. 

Requested Resolution : Method of Verification : I request that ( XXXX XXXX Account # XXXX ) provide the method of verification used to substantiate the alleged debt and their reporting of this account. This includes all documentation and evidence they have regarding this debt. 

Re-investigation : I request a thorough re-investigation of this account and its reporting. This includes verifying the accuracy and completeness of the information being reported. 

Immediate Deletion of Account : If ( XXXX XXXX Account # XXXX ) can not provide adequate verification and substantiate the accuracy of the reported information, I request the immediate removal of the inaccurate and unauthorized account information from all my credit reports. 

Thank you for your prompt attention to this matter. I trust that the CFPB will take appropriate action to address these violations and ensure that ( XXXX XXXX Account # XXXX ) adheres to the Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to my creditors that are reporting my payments as past due and I have never been late on a payment. I have had issues with these companies reporting incorrect payment status. I gave them the opportunity to fix this but seems like I'm not getting anywhere and I was advised I could reach out to you. These are the accounts reporting inaccurate payment information. 

1. XXXX XXXX Acct # XXXX ( XXXX, XXXX, Transunion ) 2. XXXX XXXX Acct # XXXX ( XXXX ) 3. XXXX XXXX XXXX Acct # XXXX ( XXXX )
Product: Student loan

I 'm having difficulties with Navient, they do not show you the actual monthly amount owed on their payment portal for each loan, instead they bundle their crazy late fee 's together with the monthly payment making it impossible to see what is the breakdown of what you the actual minimum amount owed per month versus the crazy ( should be illegal ) late fees. In XXXX 2017 my payments changed, I was not provided any monthly statement showing what the actual payments would be. I contacted them, was given my new payment amounts over the phone and I made those payments. Apparently because I was off by {$1.00} they did n't notify me and they simply add the late fees to keep charging money. For the last three months they have been changing my minimum amount owed causing me to call in to get the actual payment amount because they do n't provide detailed statements. When asked why I do n't get monthly statements i am told they are being sent to my mailing address - the address is correct but they do not make it to my house. Every time i ask customer service what 's going on and how to fix it they tell me they are unable to help me. They are also unable to help me with the customer portal " because they do n't use it ''. My email was incorrect last time I called again ( they already had my email correct before ) and had to be corrected again. For some disturbing reason they do not show their late fees on the online statement, only the amount owed on the actual loan. As of X/XX/17, I have late fee 's going back to the beginning of the loan when i missed a few months, in the amount of {$660.00} + {$920.00} on two loans ( late fee 's alone ). It should be legally required that these providers demonstrate every month a breakdown of all the fee 's they are charging, instead of just stealing money because they have a government backing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I 've contacted  XXXX ,  XXXX  and  Transuion  in regards to some incorrect and fraudulent accounts. I sent in my police report my identification documents and so forth. I 've contacted the creditors who havemt responded so this is my  last str  eet  before taking it to civil or federal court. They have broken the law. Not marking my accounts disputed within 30 days, refusing to send me information regarding disputes or disputes validated, refusing to send validation information or methods and so forth. I 've disputed these accounts numerous times by certified mail and they have not been properly handled or responded too. I 've kept close documentation of communication and recorded conversation pulled.
Product: Credit reporting, credit repair services, or other personal consumer reports

Under the Fair Credit Reporting act. The account list below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : XXXX XXXX XXXX XXXX XXXX ; XXXX # : XXXX, Account name : XXXX XXXX XXXX  ; XXXX # : XXXX, Account name : XXXX XXXX ; Acc # : XXXX, Account name : XXXX XXXX ; Acc # : XXXX, Account name : XXXX ; Acc # : XXXX, has violated my rights. 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information or Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) 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 data is inaccurate.
Product: Credit card

Ensuring that payments are always made on time for this account has been a priority, ensuring they never slip into arrears. I'm unclear as to why there are reports of late payment remarks on my accounts. Referring to 15 USC 1666b - Billing Error, corrections should be made.
Product: Checking or savings account

I have been attempting to have this issue resolved for XXXX DAYS now but Chime 's customer support is absolutely atrocious. I have talked to chat support and they told me they couldn't do anything. I emailed and then the case was closed immediately. I emailed again and someone finally got back to me and said " she would look into it '' and then ghosted me ... Then I have had XXXX people in the last week tell me " someone will be in touch shortly '' but every time someone from Chime says that, I get lost in the system and have no follow up. 

So, here is the issue. 

I made my first ever cash deposit with Chime at XXXX XXXX in XXXX, WA on XX/XX/23 in the amount of {$230.00}. I gave the cashier the barcode that my Chime app gave me for depositing, she scanned it and rang the sale through, and gave me the receipt with a number associated with the transaction in case there were any issues. The receipt states it takes up to 24 hours for the funds to appear in your account and Chime 's phone system said XXXX minutes - XXXX hours. 

It has now been XXXX days and the {$230.00} has not been posted to my account. The receipt that XXXX XXXX gave me states it went to a card ending in XXXX, but my cards end in XXXX ( credit ) and XXXX ( debit ). 

The merchant was XXXX XXXX, store number XXXX, address XXXX XXXX XXXX XXXX in XXXX, WA XXXX. The transaction ID number is XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XXXXXXXX XXXX to remove ; XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$1000.00} XXXX XXXX XXXXXXXX Balance : {$2200.00} XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days after theXXXXXXXX XXXX. Ive already included this in my previous Complaint # & I am including it again.,
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraud has been reported on my account and equifax will not take off the accounts even when i gave FCT and Police reports
Product: Credit reporting, credit repair services, or other personal consumer reports

I am not an attorney or third- party rep, there are accounts on my credit report that does not belong tome and believe that this is an act of fraud. I have a legal right to dispute anything on my credit report that I do not recognize. The following accounts : -U S DEPT OF ED/GSL/ATL # XXXX -U S DEPT OF ED/GSL/ATL # XXXX XXXX XXXX XXXXXXXX XXXX # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive disputed a couple things on my credit report on XXXX XXXX XXXX and here it is XXXX and they still didnt removed it nor proved that it was mine
Product: Credit reporting, credit repair services, or other personal consumer reports

Good morning. I'm having issues raising my credit score. I have no debt and one credit card. For some reason ALL credit reporting agencies have different credit scores for me. That is really terrible. How do we know as a consumer what score is accurate. THIS Credit reporting " algorithms '' are no good. My scores go up a few points then drop a lot!! Unbelievable how these things work. This is a huge scheme just to get more money out of people who have low scores. Trans union you have to PAY to get your score. All of this are barriers to keep your score LOW. It's amazing these creditators report missed payments right away but when you have good payments it takes months for it to reflect on the score. This is all a means to make people FAIL. I can't believe this doesn't happen to other people.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting on both Experian and XXXX information that shows inaccurate and conflicting information. Not only have I been shown any information verifying the account does belong to me and not my adult son, but I have yet to see any payment history, any documents with my name on them, or any proof this is actually my account. 
Also, the information being reported by both, is different! They both have two different open dates, and two different active dates. They can both be wrong, but they both can't be right! 

Please remove this account from my credit report, as it is hurting my score. If you are unable to verify and report XXXX percent accurate reports, I want them removed.
Product: Credit reporting or other personal consumer reports

I had three accounts put onto consolidation, and I have paid off two accounts and my credit score has not increased at all. 
I contacted XXXX and XXXX and they told me they can take off that red macs on my credit report, but If I already paid off those credit why is my credit report still the same. 
I really feel like a declare on bankruptcy but I didn't and my credit report is going to be affected for years when I did paid off my accounts.
Product: Credit reporting or other personal consumer reports

XXXX reported company .has received inaccurate information from XXXXXXXX XXXX XXXX XXXX  corporation with in correct name which l have on going disputes l Have sent in copies of the bill with Names on the XXXX ( doesn't match ). XXXX XXXX XXXX XXXX has sold my name to collection companies names XXXX XXXX XXXX XXXX. Accounts. Whom XXXX XXXX.whom requested same amount money as these XXXX with is Fraud ) months has effect my credit. Score rate for months after l sent in copyies of payments. I have also disputed a company called ( XXXX XXXX XXXX ) which not hasn't changed. I paid this account off in full also provided copies on time payment. In XXXX Credit report shows none payment instead .and consistently affect my credit rating.. My credit advisor attorney. Stated. after this complaint if non response or Change there goin to filed complaint against XXXX. Credit report company. Due to on going denial on application inaccurate information not being research
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

Carmax financial reporting 60 days late on credit reports. XXXX XXXX, XXXX. Please fix this problem.