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

XXXX and Transunion are reporting incorrectly that I am ( 60 ) days past due on the XXXX partial account number ****XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be late on an account with a {$0.00} balance. This incorrect reporting is harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 2 ) bureaus to remove this item however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting this complaint against XXXX Equifax, and XXXX  due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely XXXX  up. My life has been in complete ruin as a result of this. It's causing enormous XXXX and XXXX XXXX, preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of XXXX  to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I submitted a written request to Experian, XXXX, and XXXX asking that they remove the inaccurate addresses and jobs listed on my credit report. I also provided them with appropriate information which verifies my identity and also verifies my address. I also understand that Exeprian, XXXX, and XXXX must contact me within 30 days to either notify me of the results of my request or provide me with an updated copy of my credit report. They have failed to do any of the above. Per the Fair Credit Report Act, ( b ) Reasonable procedures. It is the purpose of this title to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this title. '' As reflected, Experian, XXXX, and XXXX is reporting inaccurate information which is against the law. 

Please delete the following addresses and jobs as they are inaccurate : XXXX XXXX XXXX XXXX XXXX  MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX, De XXXX XXXX XXXX  of MD Please list my address as the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX Please list my job as the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I have attached all letter that were sent to Experian and also follow up letters that were sent to them as well with certified receipts. Please
Product: Checking or savings account

Vystar Credit Union locked us out of our accounts not just once but 3 times now. I know you are aware, but there's other things associated with the migration that have suffered as well. My deferment was never received until XXXX though filed in XXXX Then they denied it because of not " receiving '' due to system being down. They weren't accepting XXXX emails apparently. Then, there's the issue of CPI insurance being placed on my car loan even though they had confirmation of policy. Not only did they apply the CPI at almost XXXX extra per month, they also locked me out of that account, would not let me withdraw or close it. They then put that money in a separate account without my consent and continued to block access. When I finally was able to speak to someone in the loans department we went through it all together. His response was " uh oh ''. Which told me all I needed to know. Oddly though, he tried reasoning it out with all that overcharging and told me he left a note for me on my account. Which I just saw today that states " without authorization ''. I'm assuming this was to help me with this problem. There's quite a bit more to this as I have tried repeatedly to have their incorrect marks taken off of my credit but always denied.
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. 

XXXX XXXX XXXX # XXXX, XXXX : # XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX : # XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX # 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 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: Credit reporting, credit repair services, or other personal consumer reports

Target XXXX XXXX added my name without my knowledge or consent on my wife 's credit card account as an authorized user. I discovered this transaction after I was denied credit and obtained a copy of my credit report. Target XXXX XXXX reported the following delinquencies to all 3 credit reporting agencies : 30 day delinquencies on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. They also reported 60 day delinquencies on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX along with a 90 day delinquency XX/XX/XXXX. On XX/XX/XXXX my wife XXXX XXXX, my XXXX XXXX and myself conferenced called Target XXXX XXXX. My wife requested Target to revoke my signing authority and I requested them to correct my credit reports. Target said the credit history on my credit file would remain the same. I them asked them to provide me with a document that had my signature either acknowledging or authorizing the transaction and they could not produce one. Subsequently I asked Target to send me a copy of a letter disclosing to me that I was added as an authorized user on my wife 's account. I was told no letter would have been generated for this transaction. I am self employed and the negative reporting has affected my ability to obtain credit and has put severe limitations for terms on purchases from my suppliers. I am in the process of filing disputes with XXXX, XXXX  and XXXX and have already contacted an attorney regarding this matter. My attorney advised me to file a complaint with CFPB.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to file my taxes and I was told by my consultant that my identity has been stolen because someone had already filed under my social security. I then pulled my credit report to see what all has been opened under my name. There was an outrageous amount of unknown, suspicious items I am familiar with. Please remove these items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, DBA XXXX XXXX XXXX, DEPT OF EDUCATION/XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, Company Inquiries : XXXX/XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX US SM BUS ADMIN ODA USDAFSA XXXX XXXX. 
XXXX XXXX XXXX
Product: Credit card or prepaid card

Yesterday I called Banco Popular to ask about the increase in the credit card interest rate. They notified that the rate was increased because the prime rate increased. The bank never send me a notification to let me know about the interest rate increase in order to pay off the balance and avoid paying a higher interest rate. I am claiming a refund for the interest overcharged becaused I was never notified about the interest rate increase. The total cost is {$250.00}. of interest.
Product: Checking or savings account

To Whom It May Concern : JPMorgan Chase Bank withdrew 3 payments of {$1900.00} each from my account : {$1900.00} on XXXX  XXXX, 2021 {$1900.00} on XXXX  XXXX, 2021 {$1900.00} XXXX XXXX  XXXX, 2021 The 2 withdrawals on XXXX  XXXX were fraudulent and resulted in my account to be overdrawn. A credit card payment I scheduled for XX/XX/2021 for {$850.00} was declined because of the overdraft. I have a second credit card payment that is due tomorrow and a third credit card payment is due on XX/XX/XXXX. All these payments have been scheduled and I have no funds in my checking to cover these payments as my next paycheck will not be credited to my account until XX/XX/XXXX which is reserved for payments due on or after XX/XX/XXXX. 

Apparently, this only impacted XXXX customers who bank with Chase. 

JPMorgan Chase contends that the error is on XXXX end however, all things point to Chase being at fault because I pay my mortgage online from XXXX 's website. When I initiate these payments, it is posted to my mortgage account first and a day or XXXX later, the same amount is withdrawn from my checking account. However, the payments withdrawn from my account today, XXXX  XXXX, were not posted to my mortgage account. 

I called JPMorgan 3x, the first representative a male, was rude. The supervisor I spoke to named XXXX gave the same spiel as the male rep and hang up the phone before I could finish talking. The third representative I spoke to named XXXX, who would not give her ID # or last name placed the blame on XXXX. 

All 3 Chase reps told me to deposit funds to my account so my other payments are honored. I was told to come up with {$3800.00} on a Saturday morning! Chase made an error and I am told to come up with the money to temporarily rectify their mistake! This is not right especially during this pandemic. I only have enough funds to cover my expenses on my personal account. For Chase to tell me to come up with additional funds to cover my payments thru no fault of mine is egregious. 

Late payments negatively impacts my credit in addition to the late fees that will potentially be charged to me.
Product: Credit reporting or other personal consumer reports

I previously filed a formal complaint with the Federal Trade Commission ( FTC ) regarding unauthorized inquiries on my credit report. The reference number for that complaint is XXXX, filed on XX/XX/XXXX. 
Complaint Description : My credit report contains unauthorized inquiries that were made without my consent. Upon contacting the creditors responsible for these inquiries, they confirmed they have no evidence that I initiated these inquiries and lack any written or verbal authorization from me. 
Due to the lack of valid grounds for these inquiries, I formally requested their immediate removal. The credit bureau in question has not provided a satisfactory response, which is why I filed a complaint with the FTC. 
Details of Disputed 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 XXXXXX/XX/XXXX Experian ( Add additional information if there are more inquiries ) Legal Grounds ( Fair Credit Reporting Act, FCRA ) : Permissible Purposes : Under Section 604, unauthorized inquiries do not meet the requirements for permissible purposes.

Handling of Unverifiable Information : According to Section 611, any inquiry that can not be verified must be removed.

Right of Verification : Section 609 grants me the right to verify each inquiry with an original signed contract.

Information Provider Responsibility : Section 623 requir
es that reported data is accurate and authorized.

Protection Against Identity Theft : Section 605A mandates the removal of unauthorized inquiries potentially related to identity theft. 
Additional Legal Support : Cases such as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX reinforce that inquiries must meet the FCRA 's permissible purposes requirements.
Product: Debt collection

This account in violation not reporting 100 % accurate. I want you to conduct an investigation regarding this and if they don't give proof of evidence, I want this to be deleted from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Problem with a credit reporting company 's investigation into an existing problem On or around XX/XX/2023 I received alert about an account called XXXX XXXX from XXXX XXXX. I filed police report and identity theft report with ftc.gov I mailed the documentation along with a request to block the fraudulent account to XXXX, XXXX, Equifax with proof of my identity. 

Around XX/XX/2023 & XX/XX/2023 the fraudulent XXXX XXXX account information was DELETED from all three credit bureaus But on XX/XX/2023 it was reinserted in my file I spoke with representative from XXXX who told me they can not remove the account AGAIN that I can not dispute it no more despite them already investigating and deleting the fraudulent account. 

n accordance with the requirements of the FCRA, I am hereby requesting your complete compliance with any and all of the provisions listed below and permanently remove this item. 

FCRA 611, Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] Requirements relating to reinstatement of previously deleted material. 

Certification of accuracy of information. If any information is deleted from a consumer 's file pursuant to subparagraph ( A ), the information may not reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies the information is complete and accurate. 
If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. Additional information. As part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing no later than 5 business days after the reinsertion date. 
( I ) a statement that the disputed information has been reinserted ; ( II ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; and ( III ) a notice that the consumer has the right to add a statement to the consumer 's file disputing the accuracy or completeness of the disputed information. 

I did not receive this required notification. In essence, this is a serious violation of the FCRA. I may choose to exercise my right to pursue further action. I INSIST that you immediately delete this listing from my credit report if you would like to avoid me moving forward with my said rights.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform leaving my account vulnerable and unprotected. Furthermore the dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and i seek redress for these violations.
Product: Checking or savings account

On XX/XX/21, Bank of America made a business decision after I logged onto my BoFa app. Bofa placed an XXXX code with a deduction of {$880000.00}. I contacted customer service at XXXX ( XXXX ) XXXX, to which they informed that they made a business decision to close down my account. When I inquired as to why they were closing my account, they stated that because I received a one time transfer of {$2600.00} on XX/XX/21 from EDD wire transfer that they flagged my account as fraud. Additionally, they stated that the one time transfer made to my account had be the primary senders account number. There is no policy or any information from Bofa EDD, that states that you cant transfer money to the recipient unless it is your primary account holder. Based on the information listed below as stated on Edd.ca.gov ( see edd.ca.gov one time transfer ). The primary sender has to contact Bofa Edd for a one time transfer and provide them with my account information. Yet, I am being penalized for receiving funds from a extended family member when I have been a bofa customer for the last 12 years. Bofa had access to senders account and still allowed the one time transfer to be transferred to my account, yet I am being penalized. I am an XXXX XXXX worker and Bofa is not allowing me access to my funds to pay bills and states that I will receive a check in 5-10 business days. Please review this matter, as I am an XXXX XXXX and my account should not be closed down based on fraud, just because I received a one time Edd transfer.
Product: Debt collection

For about two weeks National Enterprise Systems has been calling every morning at about XXXX for a person that does not live at my address. I have asked them to stop calling my phone number but that has not stopped the calls. I want them to stop calling.
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found several items on there to be inaccurate. Under 15 US code 1681E ( b ) accuracy of report whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedure to assure the maximum possible accuracy of the information concerning the individual about whom the report relates 15 US code 1681i ( 5 ) treatment of an accurate or unverifiable information ( A ) in general if, after any re-investigation under a paragraph ( 1 ) of any information disputed by a consumer, and item of the information is found to be inaccurate or incomplete, or can not be verified, the consumer reporting agency XXXX  - ( I ) promptly delete that item of information from the fall of the consumer, or modify the item of information as appropriate, based on the results of the investigation, and ( I ) promptly notify the furniture of the information that the information has been modified or deleted from the file of the consumer, please remove the following items from my credit report immediately Account Name - XXXX XXXX Account Name - XXXX XXXX XXXX Account Name - XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

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

I contacted Capital One Auto Finance on XX/XX/2022. I informed them that my credit report shows an auto loan that was previously closed due to being included in a bankruptcy. This account was closed in XXXX due to bankruptcy I received the alert from XXXX XXXX on XX/XX/2022 that the account was reopened and I have past due balance. I spoke to numerous account reps who could not help me, nor provide any information about what happened.
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have 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. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had one late payment on an account that I was never late for, I have brought 2 vehicles from XXXX XXXX XXXX XXXX. They were timely payments. In fact, one vehicle was paid in full. 
Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Exactness. I have never been late on payments for the account : XXXX : XXXX. 
I made the Payment on XX/XX/2023 and XXXX reversed the payment, independent of my knowledge According to customer service there was an error in processing, -most likely a typing error. 
Moreover, I was never notified of an error in processing the payment. My Credit score dropped XXXX points in one day. 
Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. 


Fair Resolution! 

I request XXXX Update the account to Pay on time and never late. Or remove it from my consumer report. 

Best Regards XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed account which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute account do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$18000.00}