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

I am writing to formally dispute the derogatory information reported on my credit report for the following XXXX  XXXX accounts, which I believe to be inaccurate and outdated : Account # : XXXX Account # : XXXX Issues with the Reporting : Inconsistent Information : The accounts are listed as " Paid '' but still reflect " Collection/Chargeoff '' statuses, which contradicts their settled and paid status.

These discrepancies violate the accuracy requirements outlined under FCRA 623 ( 15 U.S.C. 1681s-2 ).

Harmful Reporting After Settlement : The accounts were " legally paid in full for less than the full balance, '' and the continued derogatory reporting unfairly impacts my ability to secure credit products.

According to FCRA 605 ( a ), derogatory information must be accurate, complete, and not misleading.

Failure to Update Payment History : Payments made prior to charge-off are not accurately reflected, which violates the FDCPA 807 ( 15 U.S.C. 1692e ) against false or misleading information.

Harmful Comments : Comments such as " Unpaid balance reported as a loss '' and " Account legally paid in full for less than the full balance '' create an unnecessary negative perception, despite my compliance in resolving the accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone in Arizona opened an account with XXXX in my name in 2019. They made a few payments to not damage my credit, as they were using my credit for other fraudulent accounts as well. XXXX is reporting this charge off to Experian and has been for quite sometime. I've tried everything I can to talk with someone there about it including calling XXXX XXXX. When I finally spoke with XXXX XXXX he said he was having XXXX treatment and I should not bother him again. The last response from the company was that they needed everything in the file in order to speak with my attorney XXXX XXXX. I've since provided everything they have requested and when I speak with their customer service they just say they are working on it and someone will respond to me in 3-5 days, but nobody ever responds.
Product: Credit reporting or other personal consumer reports

FCRA 605B mandates the elimination of any erroneous accounts from my credit report. Could you kindly review the documents? Several of the listed accounts exhibit inaccuracies in their reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

PNC does not allow their customers to share their financial date with third parties such as XXXX and XXXX even when consent has been given. The banks practice of not sharing information such as account balances and purchase history regardless of consent and consumer request, makes customers ineligible for cash advance services which are especially important in this pandemic when families need that breathing room between pay periods. I reached out to PNC to address this issue but have received no response and the practice of withholding consumer financial information is still currently in use. I am making a final complaint through consumer finance to see if PNC will change their policy. If not, I will be forced to bank with another institution whose actions reflect the best interest of their customers.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on this account though your company claims to have verified this. Depending solely on your flawed XXXX system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. As in XXXX XXXX XXXX, XXXX XXXX XXXX ( Experian ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the XXXX  system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

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

CONTACTED THE COMPANY LONG TIME AGO TO SOLVE THE ISSUE, NO RESULTS. 
I WAS GOING THROUGH A HARDSHIP BETWEEN XXXX AND XXXX NO JOB. I NEED THOSE LATE PAYMENTS FOR THOSE 2 YEARS BE REMOVED.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint regarding XXXX student loans listed on my credit report under the U.S. Department of Education ( U.S. Dept of EDXXXX XXXX XXXX which do not belong to me. These loans, identified with the following balances, were previously disputed and removed from my credit report, but they have reappeared : Loan XXXX : Balance of {$2200.00} ( reported on XXXX ). 
Loan XXXX : Balance of {$1500.00} ( reported on XXXX ). 
Loan : Balance of {$2200.00} ( reported on XXXX ). 
I have no knowledge of these loans and have never taken out student loans with the U.S. Department of Education. I attempted to contact the credit bureaus and loan servicer by mail to dispute these items again, but my letters were returned as undeliverable. These loans are not only inaccurate but are also severely damaging my credit score and limiting my ability to obtain credit. 

Actions Taken : I successfully disputed these loans in the past, and they were removed from my credit reports. 
Despite being removed, these loans have reappeared on my XXXX and XXXX credit reports, causing further harm to my credit. 
I attempted to send dispute letters to both XXXX and XXXX, but my correspondence was returned as undeliverable.
Product: Debt collection

Dear Sir or Madam, My name is XXXX XXXX a former resident at property XXXX XXXX XXXX in XXXX, TX. At the time under the management of XXXX XXXX. 
We're fed up with the management of the property and our complaints and service call never completed on time. 

One incident that was a breaking point for us was the unit upstairs had a massive water leak and the water damaged the ceiling and fell, water-soaked in the carpet and mold on the walls. Management took weeks to respond to the services call, because of that the unit had a strong smell of mold and mild dew. My old parent 's health condition was affected by this. 

We notified the management because the unit was not serviced as agreed on the contract. We will end the lease and moved out. The property then turned this over to the National Credit System , Inc. to collected debt per breach of contract. 

I attached a copy of the break down of the collection charged here. As you can see on the form XXXX XXXX misleading the reason for move-out as personal reasons/concerns. 


I included the photos attachment as proof. 

Thank you, XXXX XXXX
Product: Mortgage

I filed an application for 2 loans with First Repbulic Bank in XXXX XXXX. This was for 2 income properties, one XXXX XXXX  and XXXX XXXX. Both properties are based in XXXX XXXX. 

When i applied for the loan i never received any estimate on the costs associated with the loan until about 1 hour before the Title company was coming to have me sign documents. 

This was a clear violation to RESPA-TILA. I would like to discuss further how to escalate this complaint.
Product: Money transfer, virtual currency, or money service

I got scammed and XXXX XXXX  XXXX and Chase bank did not prevent it. 
I sent a wire transfer from XXXX XXXX XXXX  XXXX account to a fraudulent business account in Chase bank. 

Furthermore, I see that Chase banks did not make right Fraud and Business checks as well as Anti Money Laundering checks and allowed to have fraudulent business account. 

I contacted Chase bank and they refused to help. They do not have procedure ( or call agents do not know ) to file a fraud/scam complaint to freeze the fraudulent account for additional checks. I would provide documents I have for investigation. Such a measure can significantly increase customers protection and MTTA ( Mean Time To Action ). 
I heard such options are possible only if you know personally someone who works in Chase on a high position. 

I was able to file a complaint only to XXXX XXXX XXXX ( Claim Number : XXXX ) to recover money sent via wire transfer, but interaction between banks is very slow, which already gave 2 weeks for robbers to enjoy the money. XXXX XXXX XXXX  representative told that Chase may even not respond to the claim. 

The scammer 's website is still up : XXXX XXXX XXXX XXXX XXXX and I see that they created one more websites XXXX XXXX XXXX XXXX XXXX to scam more people. 

How they work : 1. Select a good-looking dealership on XXXX XXXX XXXX 
2. Register a fake company at your address and create a website. 
3. Post widely on the XXXXXXXX XXXX with a link redirecting to their website. Whenever you see 3+ duplicated posts in different cities, 99 % these scammers did it. ( Search by XXXX ) 4. Victim call them, they answer, give details via phone and email, which seems legit. 
5. Provide instructions for wire transfer. 
6. Victim send money, they say they will deliver the RV. 
7. Then they have problems, delays, car accidents, insurance work and the RV never arrives.

It's been already around 2 weeks, but they are still operating. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX JPMORGAN CHASE BANK , N.A XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, this creditor has violated my rights. 

Under 15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 section 604 a section 2, states that a consumer reporting agency can not furnish without my written instructions.

Under 15 USC 1666b, a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose under 15 USC 1681b- Permissible purpose of consumer reports, The Law CLEARLY STATES : ( a ) IN GENERAL.

Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I give you written instructions to furnish this on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( a ) EXCLUSIONS- Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Delete the above late payments from my consumer report, this agency violates 15 USC 1681. 

Failure to respond satisfactorily with deletion of the above-referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company. 
Defamation of Character ( per se ) Negligent Enablement of Identity Fraud Fair Debt Collections Practices Act 15 USC 1692g violations Fair Credit Reporting Act 15 USC 1 681 violations for willful noncompliance-6 16. Civil liability for willful noncompliance ( 15 U.S.C 1681n )
Product: Credit card

Citibank closed all my credit cards out of a sudden, without any notification. Only realised it since i could not used it everywhere for a week. Called the Office of President, they will not disclose further nor reopen the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I call on XX/XX/XXXX and discussed over the phone why my XXXX Student Loans were removed. The customer service rep in conjunction with the Management team explained that it's an " internal company policy '' to remove Students Loans when they are " paid off ''. I explained to them that my XXXX   report is ONLY showing " Paid Off in Full '' due to XXXX. I also ask them to provide a letter stating what the " internal company policy '' is and they denied. Now, my Experian credit report in not only -77 points but also its not showing in my Experian Report History ( I had been paying my Student Loans since XX/XX/XXXX ) and this is affecting my credit report in many ways. 
Here is the report number with the notifications showing that my XXXX Student Loan has removed. 
Prepared for XXXX XXXX XXXX XXXX Personal & Confidential Date Generated XX/XX/XXXX Report Number XXXX
Product: Prepaid card

These virtual cards are declined online and in brick and mortar stores, at restaurants and grocery stores, or XXXX wallet - no one will take these cards. I call AMEX customer service and they can not offer me any resolution. They can not tell me where I can use the cards ( their site claims you can use them anywhere that accepts AMEX ). They can not transfer my balances for my four unusable virtual cards to a physical card. They can not offer me a refund. They do not allow you to use the cards for partial payments, nor do they allow you to charge too close to the total card balance. This system seems designed to skim a few dollars from American consumers. They hold our legal tender hostage and tell us there is nothing they can do about it. They falsely advertise that their gift cards can be used anywhere that accepts American Express cards. This is simply not the case. I can not reach a resolution with AMEX customer service nor can the original purchaser. I have been unable to use their cards for a year. My money is inaccessible. All I want is the total balance on my cards in cash/check. 

Card number : XXXX
Product: Credit reporting

DOB : XX/XX/XXXXSSN : XXXXFile # XXXXDear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
XXXX XXXX Account XXXXPlease block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 
Enclosed are the following : A copy of my Identity Theft Report and proof of my identity. 
A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 
I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, XXXX XXXX
Product: Checking or savings account

Synchrony Bank opened a savings account in my name. I found out when they sent a letter to my home saying they were going to close the account a month after opening the account. 
XXXX XXXX XXXX XXXX Texas had an application for a business loan in my name. They were in the process of denying it and take it off my credit report as a result of my conversation. 
XXXX XXXX was about to open a credit card in my name in New Jersey. I called and was able to get the account denied as fraudulent.
Product: Credit reporting or other personal consumer reports

This morning, I was alarmed to find an unauthorized inquiry on my credit report, and I have no idea why it's there. I routinely check my credit report, but this time, I noticed unexpected discrepancies. I even refreshed my browser, hoping it was just a glitch, but the issue remained. This situation is incredibly frustrating, and I need the documents I submitted to be reviewed carefully so I can have peace of mind once and for all.
Product: Credit reporting, credit repair services, or other personal consumer reports

MyEquifax web page will not send me a email and let me set a new password. 

I can not get them to fix this.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX  XXXX on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX  XXXX on XX/XX/XXXX under the account number XXXX with a balance of {$XXXX} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Student loan

I have duplicate accounts reporting on my credit report. Contacted Navient on numerous occasions to correct the issues. And all I 'm getting is the run around. I went as far as to emailing the XXXX XXXX XXXX. In return he forward my information to a woman from their student advocate department. By the name of XXXX XXXX who lied and gave me nothing but the run around. At this point I 've had it with XXXX and their shady business practices. I have attached email conversation between XXXX XXXX and XXXX. Where you can clearly see her giving me the run around and her making promise that where never kept
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I have an account that went " dormant '' with {$50.00} in it. I am trying to close the account however they are insisting ( via electronic communication and over the phone today, XX/XX/2020 ) I need to do this in person at a branch ( closest branch is 50 miles away ). I opened this account online and have never visited a branch. 

I just want to close my account and get my {$50.00} out, and they are not making any exceptions due to COVID-19 and still insisting I put myself at risk going in person.
Product: Credit reporting or other personal consumer reports

My accounts 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 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.

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

Upon review of my credit reports, I have discovered several hard inquiries that should not be present as I have not applied for any services from these creditor. 

XXXX on XX/XX/XXXX XXXX XX/XX/XXXX. XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX Truist Bank XX/XX/XXXXXXXX XXXX