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

I called JPMorgan Chase Bank on XX/XX/17 to ask them why they have accessed by credit file on X/XX/2017 and why they have put a Hard Inquiry on my XXXX credit file without my authorization, they would n't help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Approx. XX/XX/2022, {$400.00} from XXXX XXXX XXXX and {$1400.00} from XXXX was wrongly added to my credit report as a collection not verified. No original documents were sent. Please REMOVE this account from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information ( 1 ) Reinvestigation Required ( A ) In general. Subject to subsection ( f ), and except as provided in subsection ( g ) if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the 611 - 15 U.S.C. 1681i 59 disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. ( B ) Extension of period to reinvestigate. Except as provided in subparagraph ( c ), the 30-day period described in subparagraph ( A ) may be extended for not more than 15 additional days if the consumer reporting agency receives information from the consumer during that 30-day period that is relevant to the reinvestigation. ( C ) Limitations on extension of period to reinvestigate. Subparagraph ( B ) shall not apply to any reinvestigation in which, during the 30-day period described in subparagraph ( A ), the information that is the subject of the reinvestigation is found to be inaccurate or incomplete or the consumer reporting agency determines that the information can not be verified. ( 2 ) Prompt Notice of Dispute to Furnisher of Information ( A ) In general. Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. ( B ) Provision of other information. The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ). 
I HAVE DISPUTED THIS ACCOUNT ON MULTIPLE OCCASIONS. THE MOST RECENT BEING XX/XX/2023. THE XXXX  XXXX BANKRUPTCY # XXXX IS NOT MINE. PLEASE SEND A COPY OF MY WET SIGNATURE AND MY ID VERIFYING THAT MY IDENTITY WAS USED WITHOUT MY PERMISSION
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit file, incorrect information was found in my reports. The TransUnion/XXXX  Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the items that are reporting on my Credit Reports : Accounts ; XXXX XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$0.00} ; XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$0.00} ; XXXX XXXX XXXX XXXX Balance {$760.00} XXXX XXXX XXXX XXXXXXXX Balance {$0.00} ; XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$300.00}.
Product: Mortgage

My ( new ) mortgage servicing company ( VA insured loan ) has unilaterally raised my monthly mortgage payment by over {$200.00} ( an almost 20 % increase ), due to a " claimed '' shortage in my ESCROWS account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I just recently submitted a dispute to Experian Credit Bureau on XX/XX/XXXX. They have just notified me on XX/XX/XXXX that the dispute has been updated and the results are to stay the same. XXXX XXXX XXXX ( a collection agency ) has been negatively reporting on my credit a balance of {$2200.00} since XX/XX/XXXXof XX/XX/XXXX. I have made numerous attempts to remove this false report since then which includes : contacting the realty company that initially sent the debt to XXXX XXXX XXXX, contacting the collection agency via phone and by mail, and several disputes with my credit bureau. XXXX XXXX XXXX   and the realty company is claiming that I did not provide sufficient notice of my move out date. I have provided sufficient evidence showing that a notice was provided and that all fees were paid prior to move out date, however, this claim keeps getting rejected. Due to this false claim, I was forced to move into second chance leasing where I have encountered several dangerous situations and it is preventing me and my family from being in a safer neighborhood.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that are incorrect ( XXXX, Equifax and XXXX ) are the ones reporting false information. 
In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 16811 ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Product: Credit card or prepaid card

This credit card agency allowed fraudulent purchases consistently. Anywhere between XXXX XXXX purchases to hundreds of dollars. As well as when the card is frozen. On top of that there a fees from those fraudulent charges. They refuse to resolve those and add fees on top of them. These charges go through even when the card is frozen so it leads me to believe that this agency is working directly with the people getting in my card or pushing those charges.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ally Auto is my lienholder for my vehicle. I totaled my cat in an accident. I am still waiting on the insurance to present payment, etc, but in the meantime I have been car shopping. I have been informed by a dealership that Ally Auto has reported me 30 days late on payments 6 times. I can only remember 1 time I was 30 days late. When I called to ask about it, they said that when they deferred my payments, the following payments were applied to interest, meaning I was 30 days late for 3 months. I am appalled that they can approve a deferment and then turn around and report late payments WHILE YOU ARE MAKING PAYMENTS because it was applied to interest! I made the payments, where it was applied should not be of issue. The dealer has also informed me that they have done this to many people. The Ally Auto representative said they are allowed to do this, but it is false reporting and a false representation. It is also affecting my ability to obtain another vehicle.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Is not mine ) XX/XX/XXXX XXXX XXXX  ( Is not mine ) XX/XX/XXXX XXXX  ( The date of my last payment is reporting incorrectly ) XX/XX/XXXX These information is incorrect .... 

XXXX XXXX XXXX XXXX XXXX. TX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. NJ XXXX XXXX XXXX, XXXX. NJ XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXXXXXX Balance : {$30000.00} XXXX XXXX XXXX XXXX Balance : {$30000.00}
Product: Payday loan, title loan, or personal loan

I got an installment loan from affirm. The item was supposed to shipped in 2-3 weeks. At week 4 I cancelled the order and got a full refund. In that time I was charged {$180.00}. I have never been refunded the additional funds. The website makes it impossible to talk to a human. The automated system does nothing and there is no simple contact page to send an email or call them.
Product: Credit reporting or other personal consumer reports

I contacted XXXX, Transunion, and XXXX to request that a bankruptcy from XXXX be removed from my reports. All 3 agencies refused advising that this would remain on my report for 10 years. 

I have notification from the Bankruptcy court that states that they do not provide information to 3rd parties. Under the Privacy Act of XXXX and 15 USC 6802 Right to Opt Out. Any authorization that you believe that you have, you no longer have as I opted out per 15 USC 6802. 

I am a resident of Missouri and my rights have also been violated under the Missouri Right To Financial Privacy Act : 408.675 My financial records can only be accessed with my consent by a Governmental agency when then Government Authority seeking has given notice in writing.

408.680 Financial institutions may not disclose, exception : 408.675 as outlined above.

408.682 Customer authorization required.

408.689 Transfer of records to additional agency allowed when 14-day notice is provided This transfer can only be allowed to further a legitimate law enforcement inquiry
Product: Debt collection

1. Instead of going to court in XXXX to address the debt, I agreed to a payment plan with XXXX XXXX. I asked for an itemization of the {$12000.00} and was advised they did not have one. I have attached a copy of an exhibit that is an accounting, but it is so small an ant could not read it.

2. Today, I went on the Upgrade website and saw that my account is charged off and I owe {$12000.00} still no itemization. I owed {$7000.00}. Where did the other {$5000.00} come from? 

My question is : A. Can a charged off account still be open and stating you still owe them {$12000.00}? 
B. I need an itemized of the {$12000.00}. 

Any assistance you can provide will be appreciated. Thank you
Product: Debt collection

I have been called repeatedly for these debts. They are all for the same issue and they have n't sent just XXXX bill. When you go to this place they send XXXX different bills so its difficult to know what you 've paid and what you have n't. They also got the money from my insurance and now want more. They call repeatedly. leaving no voicemails from different numbers and I have n't been able to come to a resolution for a amount. There the main reason my credit is so messed up.
Product: Credit reporting or other personal consumer reports

Experian is evasive with contacting a real person to address an issue with my credit reporting. I have been trying for 4 weeks with a constant run around by their website and robots. The information I am seeking is not on their website or addressed by their robots. It is impossible to speak with a customer service representative! Their XXXX page is loaded with complaints from other consumers who have the same issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to have my information updated on my credit report as it is listed incorrectly. I have contacted Equifax several times regarding this and they have failed to correct it. I sent a letter to them on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Each to no avail and I considered sending another letter because as of XX/XX/XXXX they still have not corrected my DOB but I decided to file a complaint instead. You will find all of the letters I sent to them attached along with my driver 's license which I also sent to them for legal proof.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data on my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. 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, IL XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX KY XXXX Date Updated : XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX; XXXX XXXX XXXX XXXX XXXX, IL XXXX ; XXXX C XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX ; XXXX XXXX XXXX Balanced Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$200.00} ; XXXX XXXX XXXX XXXX Balanced Owed : {$0.00} ; XXXX XXXX XXXX Balanced Owed : {$0.00} XXXX XXXX XXXX XXXX  Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

My account with the company and i 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.

This company 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

The following information attached to this complaint is a formal request for the permanent removal of the following accounts due to a lack of response from the corresponding creditors of each inaccurate or incomplete account after reinvestigation : Account Name : XXXX XXXX ; Type : Installment - Account # XXXX Account Name : XXXX XXXX XXXX Type : Installment - Account # XXXX Account Name : XXXX XXXX ; XXXX : Installment - Account # XXXX Account Name : XXXX XXXX ; Type : Installment - Account # XXXX Account Name : XXXX  Type : Revolving - Account # XXXX I attempted to verify these debts and received NO RESPONSE from the above companies ( see attached proof of this verification. ) According to FEDERAL LAW, creditors have 30 days from the date of my request to validate the debt and they failed to provide any information concerning this debt. These debt are NOT mine nor can they or have they been verified as factual or accurate and need to be removed immediately from my credit report. You have 15 days to remove the above mentioned accounts. In the event that you continue to list the disputed items on my credit report after 15 days, I will find it necessary to file suit against your company for actual damages and punitive damages under the Fair Credit Reporting Act. Because the Fair Credit Reporting Act provides concurrent jurisdiction in federal and state courts, I shall elect to use my residency county and state as jurisdiction to bring appropriate action against your company. I look forward to an uneventful resolution of this matter. Thank You in Advance.
Product: Debt collection

Synchrony bank office debt letter yo consumer finance stating that they would Surpress my credit accounts, they failed to go do, tried to contact XXXX several times left message no answer she did not follow up or contact the credit bureaus regarding this, I had to contact Synchony bank to get no answers, synchrony failed to surprise accounts after notifying consumer finance they would surprise, synchrony failed to update there information and notify the thrre credit bureaus of such change
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX sold me back to back dangerous and improperly working vehicles. After the first one, I was given the option to pick another vehicle. The vehicle I chose was also mechanically unsafe and unfixable so instead if chosing yet another vehicle, I wanted out of the contract. After being told I was being released of all responsibility. I find out the loan was still open on my credit causing me to have to purchase another vehicle elsewhere at 21 %. Then when it closed, it was in a derogatory " settled for less than full balance '' status. Then it reported a late payment in XX/XX/2018. I was never late and account was closed in early XXXX. I have contacted them and disputed multiple times.
Product: Mortgage

I have been making my monthly mortgage payments on time every month. This was done until XXXX of 2016 when I had to get XXXX tires and have some front end work done on the vehicle. Just one week later my vehicle was hit and I had XXXX witnesses. The next day I was informed by my insurance the car was totaled. I was given just 3 weeks with a free rental car. Now I have to walk. In the mean time I am showing that XXXX XXXX at Wells Fargo ( XXXX ) will not make a payment out of the money in unapplied funds. Currently there is {$2100.00}. This is confusing to me as when I made a payment of {$1500.00} earlier a payment was deducted and the remaining money went to unapplied funds. Once XXXX got involved the money sent in was put as unapplied funds. This means more interest to me and she is messing up my payment schedule for the credit bureau. Not fair. 
To me all was fine until she got involved. To me she should not have gotten involved.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXXXXXX 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 in XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXXXXXX 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 WROTE EACH COMPANY REQUESTING DOCUMENTATION SHOWING PROFF THESE ACCOUNTS BELONG TO ME.THESE ACCOUNTS WERE DONE FRAUDULENT. I WAS NEVER GIVEN PROOF SHOWING THESE ACCOUNTS BELONG TO ME BECAUSE MY DATE OF BIRTH AND MAILING ADDRESS IS INCORRECT. THEY ARE CONTINUING TO KEEP THESE ACCOUNTS ON MY CREDIT EVEN AFTER BEING NOTIFIED THEY DONE FRAUDULENTLY.
Product: Credit card or prepaid card

I set up a payment on my XXXX  account in the amount {$84.00} shown on my paper statement through my bank billpayer to be processed onXX/XX/XXXX. On XX/XX/XXXX another debit was processed on my bank account in the amount of {$54.00}, I had not made this payment.

Through calls to my bank and XXXX I discovered that XXXX made the second draw on my bank account " because you didn't owe that much '' said the XXXX  CSR. She said I would get a letter informing me that they had done this.

I made many calls and wrote letters to XXXX and XXXX protesting this mishandling/abuse of my bank account. I did finally get a letter from XXXX datedXX/XX/XXXXassuring me that " ONLY THE NEW ADJUSTED PAYMENT AMOUNT WAS DEDUCTED FROM YOUR BANK ACCOUNT ''. But this is not true as they had processed two debits to my bank account. This is gross mishandling and abuse of my bank information. I feel that I should be reimbursed the {$84.00}.
Product: Credit reporting or other personal consumer reports

I have disputed an account that was reported by XXXXXXXX XXXX XXXXXXXX then sold to XXXX XXXX XXXX  and now reflects as a collection on my credit report. With lack of real resolution, a court hearing is now in place against the two companies. It is brought to attention that the address provided by each credit bureau for XXXX XXXX XXXX is void and nonexistent. Sheriffs are not able to serve XXXX XXXX XXXX to the address each bureau provided for this company. 

I now question the validity that each bureau has for accurate information regarding my account and the companies reporting on it.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately. There is a late payment reporting on XX/XX/year> which I know for a fact was paid on time. The consumer reporting agency needs to report all information with complete accuracy. I'm now requesting that the late payment reported on XX/XX/year> be updated to paid on time immediately. I recently contacted my creditor to discuss the late payments listed on my account, and they confirmed that I have no late payments in. Despite this confirmation, the bureau has refused to delete and remove these inaccuracies, leaving me feeling taken advantage of and powerless.Thank you for your understanding and prompt action. I have included the account number below. 

Account # : XXXX