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

Greetings, I contacted XXXX, XXXX and Experian in XXXX regarding a bankruptcy that was reporting on my credit report and they would not assist in removing information. These credit bureaus are reporting bankruptcy information on my credit report and have put in data furnisher as US Bankruptcy Court in XXXX Georgia XXXX which is false information. Here is a link sent to me from the court verifying that they do not furnish information to credit bureaus or credit monitoring services : XXXX XXXX XXXX The US court of XXXX Georgia has stated that they do not verify or validate any information to the credit bureaus. The 3 credit bureaus are falsely stating this information in my credit report and have yet to remove it.
Product: Credit card

My identity was stolen and my capital one card was compromised the suspect has warrants and capital has the police report my account is not over the limit with so much interest connected my payment is {$110.00} the interest is {$79.00}
Product: Credit reporting or other personal consumer reports

I've found that my credit report has erroneous information for the second time. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : XXXX  XXXX XXXX XXXX Balance : {$21000.00} XXXX XXXX Balance {$10000.00} XXXX XXXX  XXXX Balance {$8800.00} XXXX  XXXX XXXX XXXX Balance {$13000.00}
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the accounts and inquiries listed on my consumer credit report referenced below, which are the result of a data breach or fraudulent activity. I also demand verifiable proof, including my signature or electronic signature, to support these actions. 

This letter is being submitted directly by me, not through a third party, and I request your careful attention to its contents. I did not authorize these actions, which violate my consumer rights under the Fair Credit Reporting Act ( FCRA ). Specifically, this includes Section 605B [ 15 U.S.C. 1681c-2 ], which addresses the blocking of information resulting from fraud or a data breach, and Section 604 [ 15 U.S.C. 1681b ], which outlines the permissible purposes for accessing consumer reports.

I have already contacted the companies involved and confirmed that these actions were initiated without proper validation or original proof from the reporting entities. The accounts and inquiries in question are inaccurate, unauthorized, and result from either a data breach or the unlawful reporting of my consumer information by creditors or third-party data furnishers.
Product: Credit reporting or other personal consumer reports

XXXX  and Equifax are teport my score XXXX points less then XXXX. Trying to repair credit and the scores where in the XXXX range and in a span of 4 days they took a total of XXXX points off my score with no changes to credit cards or any missed payment. These credit bureau are not reporting fairly. I have paid for the last 6 months to repair credit and made all on time payments. Opened new account to boost the credit, it did go up but a month later. They took all the progress I made away in 4 days ... ..not fair to take XXXX points off in 2 day and the 4 days later another XXXX points. My score has never jumped by XXXX points.
Product: Credit card

JP Morgan Chase XXXX XXXX XXXX XXXX. 
XXXX XXXX, NY XXXX Dear sir, Today, XXXX XXXX XXXX, at XXXX XXXX, I received an email from your company, Chase, which stated we posted a new notice or letter I your Chase Mobile app and at chse.com/statements. However, I found out there was no notice or letter in my Chase Credit Card account. Since I only have this three-time closed credit card, saving account, and a joint account, I request the reason why you send this email to me. If there is no answer same as most of complaints filed at the Consumer Financial Protection Bureau of the United States, I prefer to consider this email is also fraud because I have an issue, which is amounted less than {$10.00} at my hand with Chase Credit Card account. I enclosed the printout of this email. 

Sincerely,
Product: Mortgage

XXXX/LenderLive wrongfully charged me a late fee for a payment that arrived to their facility prior to the XXXX of the month. When I contacted the company, I received different answers from different people and was left on hold for long periods of time when I asked to speak with a manager. Additionally I had to call several times to get the issue resolved. This issue has occurred more than once and is starting to become a monthly chore.
Product: Student loan

Ive been asking for my payments to be refunded for the last 8months. My loan balance increased which was also shown on my credit report but I never received my payments back. Ive contacted XXXX XXXX ( I made my payment through XXXX ) and they said they processed it for me about 2 months ago and its still processing but according to my credit report I was refunded in XXXX by fed loan servicing. My loans were sent to fed loan which are now being transferred to XXXX. No one has any answers for me who can I contact? The money was also added to my loan account balance so its showing I was refunded on my account and credit report.
Product: Credit card or prepaid card

I opened a secured card with XXXX XXXX  XX/XX/2015, I gave a deposit of {$300.00} and the card began reporting on my credit. I never missed a payment and only had the card to build my credit. keep the balance at XXXX, and stopped using the card. I recently got a copy of my credit report and the account has been charged off and over 24 late payments, I have called numerous times to have this account resolved, but all they say is that my deposit was used to offest the account and that fees were charged and the account was charged off for failure of payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXXXXXX XXXX XXXX account # XXXX has violated my rights 15 U.S.C. Section 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. 1666B : A creditor may not treat a payment on a credit card account under an end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

" " I recently reviewed my consumer report and noticed an incorrect late payment record on my ( CB/KAY - XXXX ). I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. '' '' "
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX # XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX # XXXX, and 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 an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY remove it this is correct : XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made several attempts to dispute the presence of accounts on my credit report that do not belong to me. Despite multiple submissions of disputes and FTC XXXX, these accounts are still being reported. It is disheartening to see that these companies have chosen not to address the disputes as mandated by the law.
Product: Checking or savings account

In XX/XX/year> I deposited my elderly mothers endorsed payroll check {$1400.00} and BMO bank is STILL holding the funds, and the fraud department will no longer take my calls. My mother and I have conferenced called the fraud department confirming the transaction was valid and we requested the 3rd party endorsement affidavit be sent by mail and email and we were never provided with the form. This was done 3x. This is disgusting. We need this money!!
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccurate information reflected on my credit report. The information appears to violate my rights under the Fair Credit Reporting Act ( FCRA ) and should be removed or corrected promptly. The FCRA mandates that only accurate, complete, and verifiable information be included in credit reports ( 15 U.S.C. 1681e ( b ) ).

1. Incorrect Accounts Several accounts listed on my credit report appear to be inaccurate, incomplete, or outdated. Under FCRA Section 1681i ( a ) ( 1 ), I am entitled to dispute information that I believe to be inaccurate, and the credit reporting agency is required to investigate the disputed information within 30 days. I have reason to believe that the following accounts do not belong to me, contain incorrect data, or should no longer be listed due to age or resolution : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$13000.00} As required under the FCRA, I request that these accounts be thoroughly investigated and either updated or removed from my credit report if found to be inaccurate. 

XXXX. Unwarranted Inquiries I also dispute the following credit inquiries listed on my report. Under FCRA Section 1681b ( c ), credit inquiries must be made with my permission or under circumstances where I have applied for credit. If these inquiries were not authorized by me or do not meet the requirements for a legitimate credit inquiry, they should be removed from my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please consider this my formal request for an investigation under the FCRA. If the items mentioned above are not removed or corrected, I will seek further action, including filing complaints with the CFPB and taking legal steps to enforce my rights under the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. Below are the accounts that are still reporting on my account : XXXXBalance : {$870.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX ) XXXXBalance {$1300.00}
Product: Debt collection

Capital One issued a credit card under my SS # on XX/XX/15. I would have been XXXX-years old at the time. I did not apply for this card and was not even old enough to legally have a credit card. Capital One did not perform their due diligence when approving this card. Capital One then sold the debt to XXXX XXXX XXXX. I have contacted them on 2 occasions to file a dispute and advised them of my birthday and the situation. All they keep doing is responding by providing me with the account information from Capital One as the seller. This is not a valid debt. This all started due to the negligence of Capital One. They will not help since the sold the debt and XXXX XXXX XXXX is ignoring the fact that I was XXXX-years old when the card was taken out. They even confirmed with me that the date of birth on the account was not mine. This needs to be resolved and has been going on for months. All they have to do is match up my social with my birthday and they can see that I can not possibly be legally liable for this debt.
Product: Money transfer, virtual currency, or money service

On XX/XX/2022, I made a withdrawal of {$31000.00} from my Interactive Brokers brokerage account to my bank account with XXXX XXXX XXXX XXXX XXXX ). But my transfer was blocked by a JPMorgan Chase correspondent bank. since then, this bank has not officially notified me of the reasons for the blocking and has not given any official answer to where exactly my money is and what the blocking status is. this bank did not communicate with me directly. I can only communicate with him through Interactive Brokers. But Interactive Brokers didn't help me with my problem either. ( they, as the sending bank, do not want to bear any responsibility for this transfer, can not provide any official documents and provide conflicting advice that does not help. )
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or XXXX XXXX XXXXXXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 


XXXX XXXX XXXX XXXX Balance : {$17000.00}
Product: Credit reporting or other personal consumer reports

The recent late payments do not reflect my standard payment history.
Product: Vehicle loan or lease

Toyota Motor Credit sent a claim against me for {$370.00} for an end of lease amount due on a XX/XX/XXXX lease. They sent it to XXXX XXXX of New Jersey at XXXX XXXX XXXX, XXXX, NJ XXXX for collection. XXXX made harassing phone calls to me. Previously, I asked them for a justification for the charge. On XX/XX/XXXX, I spent over an hour and half on the phone with Toyota Motor Credit and Toyota Motor Credit was unable to tell me why they say I owed {$370.00}. Toyota Motor Credit patched me to a person at XXXX XXXX. On XX/XX/XXXX, the XXXX Associate told me the the {$370.00} was for for a disposition fee and that he was sending to me proof of this. When I received the package from XXXX on XX/XX/XXXX, it shows that the deposition fee had been waived and the paperwork did not provide a justification for the {$370.00} charge. Being tired of being harassed by XXXX, on XX/XX/XXXX I paid the {$370.00} by mail and filed this complaint.
Product: Debt collection

I was sent a letter from IC Systems informing me of an unpaid XXXX XXXX debt that doesnt belong to me. I called and disputed the debt and also called XXXX XXXX to gain any information on the account. They were not helpful in providing me any information and IC Systems was limited as to what they could offer. I received the letter some time last week ( XXXX - XX/XX/XXXX ). IC said they received the collection requests from XXXX on XX/XX/XXXX.
Product: Credit card or prepaid card

I have 27 fraudulent transactions the were made on my account from XXXX in XXXX XXXX- I as never notified of any fraudulent activity- I got my bill and immediately called them - They were not able to verify my account due to THEIR issues and therefore have to send me a letter via usps- which will take 7-10 days - refused to issue a new card to me during the holiday season and it is attached to an airline so impacts my flying. The refuse to discuss any of this until I get the letter but did tell me the cared was not present and the number was manual put in. Many at the same store for the same amount but never was I notified until I got my bill- Now my card is shut off and it is the holiday season and won't send a new card and I have to wait 7-14 days for a letter they are sending - and refused to send an expedited later. I am trying to report fraud and they are making it so difficult I understand how people get away with it because the process is long and offers no help to the consumer - on my own I have called the police, the stores my card was used at - and 27 transactions happen on XXXX and I was never notified.!!!!!!! and many of the charges were identical amounts. After reporting it, and supposedly I get a email last night for an additional 3 fraudulent charges - I have spoke to numerous people at Citi cards and NOBODY will help me- and have left me with a card that is shut off so I will have declined charges for bills I use this account for and who knows when I will get a new card and after thus process do I even want to use this bank for anything????? The customer service is terrible and they seem to help the other guy and not the consumer. They have caused me stress, and questions as to whether my credit will be effected ..... They should be able to immediately help me when I call- I have the card in hand. Extremely unprofessional on the part of Citi cards... .seems like that want to help the bad guys more than their own customers.
Product: Debt collection

I contacted this debt collector originally on XX/XX/year>. I never received my right to dispute this debt after it appeared surprisingly on my credit report. I sent a letter requesting documentation of the debt. I have not received any responses. I sent another letter on XX/XX/year> requesting this information again including a bond filed with Texas Secretary of state to be authorized to collect debt in Texas. Their is no current bond on file after checking the portal site with my current Secretary of state. I called this company on XX/XX/year> requesting over the phone why they have not responded. IC system stated they responded to a address I do not even know of or have on my credit report as a prior address. I requested their bond information and was given a bond number that doesn't exist in the State of Texas for bond search 's. I also never received my right to dispute this debt originally before being reported to my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  has refused since XXXX to give me access to my annual free credit report. 

On XXXX, I have attempted since XXXX to obtain a copy of my XXXX  report. However, in each instance, I am told they can not process this request because the security questions I answered are incorrect or I am unable to simply view it online for unknown reasons. 

The questions they ask me never pertain to me and the email correspondence I have with the company is answered by someone that refuses to read my emails and give me copy+pasted responses. Calling up phone number results in a person with an accent not understanding the problem with XXXX  asking me about Mortgages when I never ever had a mortgage. They refuse to help. They keep telling me to sign up for their online services and pay the subscription fees. How in the world this is not illegal, I do not know. I have no issues with XXXX  with any of this. 

I am asking CFPB to please just help me obtain my free annual credit report.
Product: Debt collection

I filed chapter XXXX Bankruptcy in XX/XX/XXXX and received discharge XXXX XXXX XXXX. One of the debts discharged on that date was XXXX XXXX XXXX XXXX. XX/XX/XXXX it was placed for collection with Portfolio Recovery. 
I've reached out to them and all 3 credit bureaus and submitted supporting documents to no avail. On XX/XX/XXXX XXXX I received mail from XXXX verifying the account as accurate and updated. How can it be accurate If a judge in a court of law ordered it discharged and no representative from XXXX XXXX or anywhere else showed up to contest it? This is reflecting negative on my credit reports and I'd like it removed promptly
Product: Vehicle loan or lease

On XX/XX/XXXX, I mailed a check along with the completed Bill of Sale and Odometer Statement to VW Credit for the purchase of my XXXX XXXX XXXX at lease end. The check was received by them on XX/XX/XXXX, per USPS tracking. 

On XX/XX/XXXX, at XXXX XXXX I called to find out when I would get the title. I was on hold for over 20 minutes before a CSR answered. The women I spoke to said it would take 10 days ; 3 days to process the payment, 4 days to print the title, and 3 days to send it overnight ( which I sent a {$15.00} check to pay for ). I was on hold for over 25 minutes On XX/XX/XXXX, at XXXX XXXX  I called to get clarification on when the 10 day period started ( i.e. when they received the check on the XXXX, or when I called on the XXXX ). I was on hold for over 45 minutes before XXXX answered. She put me on hold for a few minutes and told me it would take 38 days to get the title. I said that was unacceptable and she said the title department was behind. I asked to speak to someone else and was transferred to Nialy ( sp? ). XXXX told me that she would expedite it since I had already been told it would take 10 days. She put me on hold and came back a couple of times to tell me she was working with a supervisor. We then got cut off and the line went dead. 

About 10 minutes later XXXX called and said that XXXX had a problem with her phone which is why we got cut off. He told me that I needed to upload the Bill of Sale and Odometer Statement and that I would then have the title in 7 days. I told him that I sent them with the check and that they should have them. He just said that they didn't have them. I immediately uploaded them via their website. 

On XX/XX/XXXX at XXXX XXXX I called to find out where the title was. I talked to XXXX and explained why I was calling. She transferred me to the purchase department and I spoke to XXXX. He told me there was a problem with the Odometer Statement I submitted and I needed to submit it again. I asked him how I was supposed to know there was a problem since no one had contacted me and he said that XXXX had tried to call me. I do not believe that anyone tried to call or contact me or if they did they didn't leave a message as I never received a call or message. XXXX told me that once I uploaded the Statement it would take 5 to 7 days to get the title. I logged onto their website and uploaded the new Odometer Statement. There was no message there telling me about the problem with the first statement substantiating the fact that no one ever tried to contact me. 

I believe that they intentionally lost or discarded the first bill of sale and failed to contact me regarding the incorrect odometer statement because they are behind. If the delays were not intentional then they are indicative of institutional incompetence and disregard for their customers.