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

XXXX  XXXX XXXX mortgage lender ) continues to show payment history for XXXX and XXXX mortgages made after Chapter XXXX bankruptcy on Experian credit report. Additionally, lender has failed to report that the XXXX and XXXX mortgage were included in the bankruptcy on my Experian credit report. Also, the XXXX mortgage shows up as being closed and the XXXX mortgage as being open. Due to the bankruptcy laws, the mortgage company is not permitted to report anything on the account, including payments, balance or missed payments AFTER the bankruptcy has been XXXX XXXX XX/XX/2016 ).
Product: Credit reporting, credit repair services, or other personal consumer reports

EQUIFAX is reporting an account with XXXX XXXX on my credit report and I have never transacted any business with XXXX XXXX  This account was previously blocked from my credit report by EQUIFAX due to identity theft about the dates of XXXX XXXX XXXX.
Product: Credit card or prepaid card

In Q4 XXXX, an account co-owner was removed from our Chase Rewards credit card account and ownership was transferred to me. I provided required documentation to assume this ownership and provide my identity. We have consistently made timely, full payments and been customers since XXXX. On XX/XX/XXXX, I learned my account was closed because my employees were unable to purchase gas. I logged in online and saw a notice that my account was closed. I called customer service immediately and was told that one call was placed to me in XXXX. I was told that they didn't receive an answer and didn't leave a message. Then, a letter was apparently mailed on Friday XX/XX/XXXX, which I have not yet received. My account was closed on Monday, XX/XX/XXXX because, as I was informed for the first time, " some piece of information I submitted in XXXX was hard to read/see. '' Neither the customer service representative, supervisor, nor floor manager with whom I spoke could confirm which piece of information I submitted was illegible. I was told they didn't have the authority over the phone to re-open the account. I was directed to send a communication online and fax a letter to see if someone else could resolve the issue. It was suggested that I open another account. I sent the message and the fax. I have not heard a response from Chase. 

The mishandling of this situation interrupted my business as employees out in the field can not purchase gasoline or supplies, caused distress for me and my employees, and has taken my time away from managing my business.
Product: Money transfer, virtual currency, or money service

I sent a wire transfer of XXXX on XX/XX/XXXX to an escrow company to secure closing on a home. The correct information was added and the company came up when I put in the XXXX number. The account number however was a number off. I called chase and asked them why the wire transfer did not securely reach the other party. The said the account number was wrong and that I had to fill out an amendment which I did 4 times in a course of 3 days. I heard nothing back from Chase. On XX/XX/XXXX, I went into a physically branch and spoke to XXXX and she went through the system XXXX and spoke with a rep that gave me a reference number and they would escalate the issue. It's been a full week and I haven't heard anything back or received the XXXX back into my account. XXXX was nice enough to have them recall it but Chase has not updated me from the secure message on the app.
Product: Credit reporting

Equifax refused to delete this inaccurate and unverifiable Public record from my credit report. 
In the results of Equifax " re-investigation '' in my recent dispute. They stated that they ''verified '' this public record. 
They stated that this Tax Lien was released on the date you are reporting and that they verified the information. Which is another lie! 

What was your " Method of verification ''? The court said you never contacted them. Also, using a XXXX party vendor does not work for this purpose. 

Equifax is reporting that the information was from : XXXX Superior Court XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX : XXXX XXXX v. Equifax. The court ruled that you are not allowed to claim any court or government agency furnished, and/ or verified information with the credit bureaus. This would then also include using a court website - even through PACER, to claim a public record is verified. 

This clearly shows that this is not the original source of information. The court house said they never release any information to CRA 's. 

You did not contact the original source of information and did not do it within 30 days this item has to be DELETED. PERIOD!
Product: Credit reporting, credit repair services, or other personal consumer reports

The company is Upgrade and they made a hard inquiry on my credit report and I was alerted that it was made. This was not authorized and I did not apply. I tried calling this Upgrade company only to be put on hold for 62 minutes with a recording being played constantly saying someone would be with me shortly. I have frozen all three creditors ( XXXX, XXXX, and XXXX  ). 

The email I received was sent at XXXX XXXX  CST and it was for a Personal Credit Line. It was supposedly issued be XXXX XXXX XXXX, a New Jersey State Chartered Commercial Bank, Member FDIC, Equal Housing Lender. The Upgrade Card was issued by XXXX XXXX, Member FDIC, pursuant to a license from Visa U.S.A. Inc. 

I also file a complaint with the Internet Crime Complaint Center but I want whoever is doing this stopped and this inquiry removed from my report. I don't want this to happen to anyone else. I have worked hard to increase my credit score and this has thrown me for a loop.
Product: Checking or savings account

My complaint against Bank of America is because they advised me they were closing my account on XX/XX/XXXXbut because my tax return was deposited on the XX/XX/XXXXthey say they are not closing or releasing a cashier 's check until XX/XX/XXXX.
Product: Checking or savings account

Someone has access to all my credit cards and my banking inform. Able to withdraw money from my account. Also able to shop online access funds to get gas food etc.
Product: Credit card or prepaid card

I used the Bread Financial Comenity Bank Victoria Secret Store Card for one purchase of {$21.00} ( rarely use the card ), never received a statement after the charge, received a statement about 2 months after showing late. Immediately paid the bill and asked for them to remove the late fee. I told them that I did not receive the statement indicating what I owed and when, customer service reps were unprofessional and rude. They would not remove the fee. The balance on the card was paid in full, I closed this account. 
They are charging me late fees on a late fee balance and interest on a late fee balance. These charges are unresonabale and I want them removed. I have closed this card and all of my cards with this bank because the reps are rude and I never want to deal with this bank again. I want this to be resolved, this is not fair and they are taking advantage of me.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX and list of Inquiries 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 a 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 Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX 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 information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.
Product: Debt collection

When terminating the lease with XXXX we spoke with multiple agents including office manager XXXX of multiple conduction along side fire hazard as well as molding within the unit. Due to XXXX XXXX we as tenants were forced to move out. With that being said a home was purchased and upon agreeable conditions we would provide 60 day notice and terminate the lease with zero penalties and no additional cost, Today XX/XX/22 a notice of collection was received in the amount of XXXX for breaking the lease and whey conduction information XXXX could not provide any further information as she was not aware to what charges were issued to us as tenants. All documentation of move out were conducted with XXXX and a fellow leasing agent who has been terminated based on this case. we as tenants or consumers were never notified of move out cost or a final bill. notification came directly from collection agent.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'M HAVING A DIFFICULT TIME GETTING THE CREDIT BUREAUS TO REMOVE THE FRAUD ALERT ON MY CREDIT REPORT.
Product: Debt collection

Debt is NOT mine. I am a victim of Fraud. Multiple accounts ( credit cards ) have been opened within a time-frame when I was not even in XXXX. After finding out about the fraud through my credit-reports I placed a Fraud-Alert, went to the XXXX Police in XXXX and got XXXX involved. After those measures and disclosing proof that this debt is NOT my responsibility - it was FRAUD, all companies have withdrawn the fraudulent accounts BUT XXXX. The attached documents, statements and proof ( i.e. police report, proof that I was not even in XXXX when the Fraud occurred, multiple witnesses stateside and in XXXX, etc. ) will explain in detail! 
I have been trying for years now for multiple collectors to get the point, IT IS FRAUD, but the account keeps being sold off. I never received anything in writing from any of them, including the original company, up until now.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/2022 but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Product: Checking or savings account

I received a check from my landlord for the refund of my security deposit of {$3500.00} I can not get a bank account in my name from ANY bank due being blacklisted by the banks because I closed 2 accounts several years ago with disputed negative balances from FEES assessed in error. So I went to the branch of INVESTORS BANK that handles the landlords account to cash the check. I presented proper ID but they refused to cash the check. It would have been ok if it was {$2500.00}. but for this amount would have to be deposited. Fine, I told them I would be happy to open ANY kind of account to deposit the check, and explained the disputes that appear on XXXX 's report. They refused to open the account or offer any alternatives to solve the problem. I had to take the check to a check cashing service which cost me {$77.00} and 40mins waiting for them to verify with my landlord, which they did. The bank could have done this if there was any worry of fraud. This is a punitive system, where the banks have ganged up to punish anyone who dares cross them, and to create a miserable customer experience for poor people!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 a 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 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 information is inaccurate.
Product: Debt collection

This company or agency called more than seven times in seven days under the guise of Portfolio Recovery. 
They finally sent a text message from an XXXX number. 
In the text message, they only stated a single name, " XXXX '' along with a long message stating that I waive my rights, unless a call is returned immediately. They did not state who they were, nor did they send me any file.
Product: Credit reporting or other personal consumer reports

Capital One Finance reported a credit inquiry on my consumer report XX/XX/2023. I did not authorize this credit inquiry. They also did not provide me with documentation and can not provide documents that I authorized this credit inquiry.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have items that I have purchased via the company XXXX XXXX XXXX on credit. I have paid off several items dating back to XX/XX/XXXX to now XXXX of XXXX and haven't been late on one payment. None of this information is reflected on my credit report but derogatory marks are. The three companies that have missed this information are XXXX, XXXX and Equifax.
Product: Credit reporting or other personal consumer reports

I have hard inquiries on my report that I will like to be removed, Ive sent serval by disputes in regards to these inquiries, these inquiries are fraudulent and I want them all removed XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXXXXXX XXXX XXXXXXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXXXXXX XXXX XXXXXXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XXXX XXXX, XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX  XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX, XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX  XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXXXXXX XXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XXXX XXXXXXXX XXXX XXXX XXXXXXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXXXXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXXXXXX XXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXXXXXX XXXX XXXX XXXX Inquiry date XXXX XXXX, XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX  XXXX Inquiry date XXXX XXXX, XXXX Removal date XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXXXXXX XXXX XXXX XXXX Inquiry date XXXX XXXX, XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXXXXXX XXXX
Product: Debt collection

This is so annoying & frustrating. Ive sent EXPERIAN multiple letters that Im the one whos disputing the items that are UNKNOWN to me. In Experians responses that make the claim that have not initiated any disputes on my behalf due to the fraudulent or high risk nature, and the documents I provided have either been confirmed as fraudulent or deemed as high risk due to the potential for fraud. This is a complete joke. How in the world did they verify these claims? First of all, I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, I never sent my documentation to anyone else as it deemed as high risk due to the potential for fraud. Also, according to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. ( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency. Again, under FCRA 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( XXXX ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. I need your help! As a consumer, I need to correct my credit file for my credit worthiness, credit standing, or credit capacity to obtain my rights and My Financial Freedom that has been DAMAGE. List of items that are UNKNOWN to me : XXXX XXXX XXXXXXXX Date opened XX/XX/XXXX Balance {$2700.00} and XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$13000.00}.
Product: Credit card

I have made consistently on-time payments, of which I am certain. However, I am unsure why this company is reporting me as late in certain months, which should not be the case. According to USC 1666b, any billing errors should be rectified, or they will owe me {$1000.00} for each account reporting inaccurately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Original company : XXXX XXXX ( {$94.00} ) Debt Collector : XXXX XXXX XXXX Reason : XXXX XXXX was completely paid because my utility was paid by government program due to my poverty level and joblessness. I left Pennsylvania 4 years ago and this charges showed up recently. I am single divorced mom with XXXX young children.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX  was never late! I have had exceptional payment history witH capital XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX to be removed. 

They are not in compliance with the following law. XXXX XXXX XXXX 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! 

XXXX XXXX XXXX ( a ) Time to make payments A creditor XXXX 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 XXXX ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section XXXX ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

There are inquiries I did not authorized on my report. Please delete. Thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report shows 7 late payments but the information is not consistent across all XXXX XXXX and Transunion which is causing me to not get approved for a home loan. XXXX told me that there is nothing they can do and I am just screwed and I have disputed multiple times including with the credit agencies. Please help me get all these late payments removed as they are not correct. All my forbearances were to be back dated and were not done. I disputed it and they told me per the FCRA they have to repot accurate information and clearly they do not bc I provided proof! I have also attached the incorrect reporting proof that isnt consistent!