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

In accordance with the Fair Credit Reporting Act the List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX # XXXX, has violated my rights. I looked at my Equifax credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

This company continues to contact my family and provides information about my personal situation with them. They called every one of my siblings and told them legal action was being pursued against me. This information should not be shared with my family. Each family member received a message on X/XX/18 with my personal information. I have previously sent a cease and desist letter.
Product: Debt collection

In XX/XX/XXXX, I looked into purchasing an income property, After review of my credit I was completely appalled by the discovery of a collection on my credit repport. Previously my credit score was usually close to being perfect, approx. XXXX or better. Now my score has dropped to around XXXX due to this collection that I do not owe now. Nor have I ever made the purchase referred to on my credit report from an alleged purchase from the Wayfair Company, ( see enclosed ) Aftter review of my credit report I found that " XXXX XXXX Services '' had placed a collection on my credit report from the " Wayfair Company '' for a debt balance of {$150000.00}. This debt was supposedly from a purchase I made in " XX/XX/XXXX '' ... 
That was the XXXX XXXX XXXX. The fact that my character was being defamed for a supposed debt that was sent to or sold to the XXXX XXXX XXXX collection agency, where they have the audacity to place my good name and my character in XXXX numerous time and requested documenrtation about this supposed debt. During the XXXX or XXXX call I was finally given a copy of the Invoice for this supposed purchase by me. 
I immediately contacted The Wayfair Company. After much research by a Wayfair  Customer Service Rep. I was told in no uncertain terms that they were pursuing payment for a different item then the one discribed on the documentation sent to me by XXXX. To Wit : On the invoice sent to me with the Wayfair invoice # XXXX. The item on their ( Wayfair  ) invoice with the same number as listed above discribes a small refrigerator with over XXXX can capacity. Now the problem with that is that the small refrigerator on my invoice states XXXX can capacity. And it clearly swtates om my invoice that the item was " RETURNED '' Thus, I believe that this item was added to this invoice by mistake and never delivered. Therefore, returned into stock by the company and never actually leaving the company. 
Whatever the case may be, Wayfaifr is at fault for allowing this Debt Collection company to place my name in collection for a debt they know full well I NEVER OWED. FOR A PURCHASE I NEVER MADE ...... 
This defamation as would wind up costing me about $ XX/XX/XXXX XXXX dollars over the course of a mortgage due to the low credit score and higher interest rate I would have to pay for a loan because of it...
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my credit file and their were several inaccurate items reporting on my credit file. I noticed that there are 3 accounts reporting incorrect late status and 5 accounts that are not mine ( either because it is reporting in error or as a direct result of identity theft ) : XXXX CARD - I was never 30 days in XX/XX/2019 ; please remove ; XXXX XXXX - I was never 30 days in XX/XX/2019 ; please remove ; XXXX XXXX XXXX - I was never 30 days in XX/XX/2019 and 60 & 90 days in XXXX - XX/XX/2019 ; please remove ; The following accounts do not belong to me : XXXX - XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX Dept of Education/XXXX US Dept of Ed The inquiries was never authorized by me : XXXX - 2 Times XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, my name is XXXX XXXX XXXX, and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. 
Based on, 15 U.S. Code 1681c2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible!
Product: Checking or savings account

I bought a flight ticket from XXXX XXXX  and cancel it within XXXX hours. However they refused to give me a refund and instead gave me XXXX XXXX  credits for that. I disputed a transaction thru a Wells fargo agent. Not only they did not ask me to provide for any further information, they declined the claim without any notice
Product: Mortgage

I have written previously and will continue to report JP Morgan Chase until we receive a satisfactory resolution. 
JP Morgan Chase is the sorriest excuse for a mortgage company. Several years ago we started the process to obtain a loan modification. Of course we were unsuccessful trying it on our own so we hired an attorney to assist us and JP Morgan Chase had requested the same documents from us over and over again which we have sent EVERY document that was requested of us numerous times and in a timely manner. They told us numerous times that they did not receive them and requested them again and again. Evidently they sat somewhere on someone desk and did not get processed as they should have. This has been reported before by other mortgage holders with them and JP Morgan Chase has even been fined several times for such. 
Then they basically accused me of lying when I told them that after calling in and making several monthly temporary payments in a row, which we were set up for, one month I called to make the next payment and the person told me that she " could not take the payment because our account was under review for a loan modification '', ( well duh, that is why they were temporary payments ) I even gave them the name of the person that told me that and the telephone number that I called so it can be researched since their calls are " recorded for quality assurance and training '' but obviously no one even cares to research any of what I have been reporting over and over again. 
They said that my father whose name the loan is under did not reside at the property so that was a reason why they denied the request. That was not true at the time of the request. 
There is no reason why we could not have been approved for a loan modification to safe our home. We even paid off the second mortgage on the property but that did n't even seem to matter or account for anything. 
The property was scheduled for foreclosure but a representative from JP Morgan Chase told our attorney at the time that the sale was postponed because they were going to review the modification again per the request of our attorney but they still proceeded with the sale anyway. It should have never happened. 
They claim to want to help their customers save their homes but they did not do a single thing to help us save our home and foreclosed on our home leaving me homeless. 
It would be nice also if CFPB would do something more to help than just request the companies side of the story. I little research by someone that cares would be nice.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my third request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

If, after any reinvestigation Any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall promptly delete that item of information from the file or the consumer or modify that item of information as appropriate on the results investigation.
Product: Mortgage

We entered into a contract with Mattamy Homes on a new build townhome and agreed to utilize their lender Mattamy Home Funding. We received a Pre-Qualification from Mattamy Home Funding for the transaction and were advised that we would be contacted by representatives from their group for XXXX XXXX XXXX ( XXXX ) for credit counseling. There was a 3.5 % " Builders Deposit '' required for the transaction even though there was no customization allowed with the build. The builder chose all of the specs for the property. We were provided a closing date for the transaction. At no point were we contacted to be credit counseled. XXXX week prior to closing we were advised that we were not credit capable and our contract was counseled and advised that we were not going to be getting our 3.5 % deposit back. We feel that Mattamy did not act in good faith as they advised from the beginning we were in need of credit counseling but did not provide this service and at the last minute cancelled our contract. Mattamy knew that they were increasing prices and we feel that they wanted to obtain the higher home price. Now they are unwilling to return our deposit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was the co-signer on a loan student loan for my sister with XXXX XXXX and they didnt pull my sisters payment in time and made it late when she submitted it on time and it has negatively effected my credit for years. The payment was made on time and pending on their end. They counted it as a missed payment. It shows as a major missed payment and they will not take it off. It was one occurrence and they were quick to throw it on my credit score as a co signer instead of resolve the issue. They would not even release me from the loan until she made 12 months of payments on time after that occurrence. 

It was recently fixed on XXXX  due to the help of this service and I would like this removed from XXXX  and Equifax as well immediately.
Product: Money transfer, virtual currency, or money service

sending wrong money to people. People having similar emails as other people to gain the Zelle momey
Product: Credit reporting or other personal consumer reports

As usual right before XXXX experian notified me that they closed XXXX complaint while continuing to work on the issue on another. THEYARE THE SAME THEY DID NOTHING
Product: Credit reporting or other personal consumer reports

This credit card was closed XXXX years ago. The credit card company kept the account open, despite many phone calls requesting its closing. 
Now, XXXX XXXX reported that this card was past due for over 120 days, with a balance of {$54.00}. 
I never received any mail, email nor phone calls from XXXX XXXX regarding an open balance. 
All was there was the annual fee plus interest over this fee. 
Had the company closed my card upon my request, none of this would have happened. 
Had the company contacted me about the open balance, I would have paid. 
My XXXX XXXX dropped XXXX points, from XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to dispute and request the immediate removal of fraudulent inquiries from my credit report. Upon reviewing my credit report, I have discovered several inquiries that are not authorized by me. These inquiries are damaging my credit standing and have the potential to cause significant harm to my financial reputation. I have already submitted a report to the Federal Trade Commission ( FTC ) regarding these fraudulent inquiries and have enclosed a copy for your reference. Despite this, these inquiries are still being reported by your bureau. This is a violation of my rights under the Fair Credit Reporting Act ( FCRA ), and I demand that these inquiries be removed immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

I was leasing XXXX Volkswagen XXXX, and i traded-in this car to XXXX XXXX XXXX at XXXX XXXX, Ca. on XX/XX/XXXX The dealer paid {$20000.00} to VW credit that was cashed to them on XX/XX/XXXX On XX/XX/XXXX I received a notification from the credit bureau that VW reported me with 30 days late payment. 
I called them and they informed me that they got the amount but they didn't applied to my account because they are telling me that the amount was not correct, and the amount for the customer payoff id different than the dealer pay off. 

I called the dealer and the dealer called them and they informed the dealer that there is a shortage of amount equal to {$810.00}. 
The dealership asked me to pay this amount because the pay off invoice they got from VW credit was not correct. 
and VW is telling me that the dealership wrongly requested the pay off and they will not close my account. 

Now I am stuck in between the dealership and VW credit company and this impacting my credit score and rating and hurting me financially. 

Please note that my monthly payment wit VW was about {$410.00} / month. They got {$20000.00} on XX/XX/XXXX, they elected not to apply it to my account, and still reporting me with a late payment to the 3 credit bureaus, only because the have remaining amount required from the dealer.
Product: Money transfer, virtual currency, or money service

I have made XXXX different Wire transfers to a bank account in XXXX : XX/XX/2021 {$3100.00} XX/XX/2021 {$7800.00} I have discovered XX/XX/2021 that the person I have sent the money to is a scammer and I have made a claim the same day to my bank Chase which they lost and had to make a new XXXX XX/XX/2021. I have spent XXXX hours in total over the phone with my bank to find out what's wrong and still did not get any reply. I could not go to work for 2 days trying to get information and help from my bank without a result. 

I made an appointment today with a Chase banker. He called the claim department and they told him the claim they did was rejected by the receiver 's bank and there's nothing they can do because it's a wire transfer.
Product: Credit reporting, credit repair services, or other personal consumer reports

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX5 USC 1681 Section 602 A- States I have the right to privacy.

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my credit file I realized that there were some discrepancies on my credit reports that are violations of my consumer rights according to the FCRA. Both Equifax and XXXX are reporting two different amounts for the high credit and the credit limit on my credit reports for XXXX XXXX I am distressed that they have included this information on my credit profile and have failed to maintain reasonable procedures in their operations to assure maximum accuracy in the reports that they publish.
Product: Consumer Loan

I was applying for an auto loan between numerous banks. Capital One Auto Finance denied me because I did not meet the minimum age requirement. I received letters from XXXX financial institutions stating age was the only factor in denying me an auto loan. I have held on to these letters and I am submitting this request because I believe they wrongfully denied me credit. I am XXXX years old ( XX/XX/XXXX ), which is more than within the minimum age requirement according to the Equal Credit Opportunity Act. I have supporting documents and am more than willing to provide this information**The Equal Credit Opportunity Act states : Consider your age, unless : you 're too young to sign contracts, generally under XXXX ; you 're at least XXXX, and the creditor will favor you because of your age ; it 's used to determine the meaning of other factors important to creditworthiness. For example, a creditor could use your age to determine if your income might drop because you 're about to retire ; it 's used in a valid credit scoring system that favors applicants XXXX and older. A credit scoring system assigns points to answers you give on credit applications. For example, your length of employment might be scored differently depending on your age. 
**
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an account with XXXX XXXX XXXX XXXX partial account number XXXX. This car was totaled on XXXX. I have GAP insurance on the car covering any difference between the total appraisal and balance owing. Because of the delay in processing this payoff, the account is showing a 30 day delinquency for XXXX. 

The GAP agreement provides that the total balance due at the time the vehicle is totaled is what is covered. 

I disputed this with the three credit bureaus to have this late payment removed in that it is not my fault and completely the liability of the lender and their processing of paperwork.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was viewing my credit report and noticed that my XXXX XXXX XXXX  stated credit line closed-grantor request reported by subscriber. I never closed this account in fact I was going to be using it this Spring. I realize when something is reported as closed it does affect your credit score.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern It has been brought to my attention that your company continues to ignore my requests for the removal of these late payments and inaccurate information still reporting on my credit report. The following late payments are reporting inaccurate and therefore need to be reinvestigated. Inaccurate late payments and incorrect and incomplete information. 



XXXX : Late Payment Dates Reported : XX/XX/year>, XX/XX/year>, XX/XX/year> Inaccurate/missing information : XXXX XXXX reported as N/A, XX/XX/year> not reported XXXX : Late Payment Dates Reported : XX/XX/year>, XX/XX/year>, XX/XX/year> Inaccurate/missing information : XXXX XXXX reported as N/A, but XX/XX/year> was reported Equifax : Late Payment Dates Reported : XX/XX/year>, XX/XX/year>, XX/XX/year> Inaccurate/missing information : XXXX XXXX reported as paid, but XX/XX/year> does not show any information Per 15 U.S. CODE 1692e - False or misleading representations. Account XXXX : XXXX Update to Open/Never late Attempts to fix the inconsistencies with the company and credit reporting agencies is attached. No resolution has been made and inaccuracies continue to exist.
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 or other personal consumer reports

I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., 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 XXXX XXXX XXXX XXXX XXXX XXXX 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