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

I have a hard inquiry on my credit report from JPMorgan Chase Bank. I'm confused because I don't even own a chase bank credit card. 

In accordance with the fair credit reporting act 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.
Product: Credit reporting or other personal consumer reports

I used these codes as incorrect information on my credit report and they updating incorrect information on my credit. As if It is current but all information is inaccurate. 

15 U.S. CODE S 1692C 15 U.S. CODE S 1692g 15 U.S. CODE S 1681 e ( b ) 15 U.S. CODE S 1635 15 U.S. CODE S 1692g
Product: Credit reporting or other personal consumer reports

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These accounts may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following accounts are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving user vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumers safety.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Subject : Complaint Against Equifax Dear CFPB, I am writing to formally report an issue I have encountered with Equifax, one of the major credit reporting agencies. My details are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ] The issue I experienced today Equifax removed a Positive Credit Card account from my credit report today XX/XX/year>. CFPB, this is retaliation every time I file a complaint against Equifax they continue to mess with my credit report. That's a violation of the FCRA improper use of my credit report. I've had my credit card over a year. No missed payments, card usage under 30 % every month. Again that positive account was wrongfully removed.And Im not happy. I've already contacted my attorney about this matter in regards to a lawsuit. 


I attempted to resolve the incorrect balance Equifax reported. Equifax took upon themselves to delete it from my credit report. That account needs to be placed back on my credit report immediately. Disputing the error didn't fix anything., unfortunately, my efforts have not led to a satisfactory resolution. 

I kindly request that the CFPB investigate this matter and assist me in resolving the issue with Equifax. I believe that my consumer rights may have been violated, and I seek your guidance on how to address this situation. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX XXXX CFPB I FILL THIS IS RETALIATION FROM EQUIFAX THEY DELETED A Positive FROM MY CREDIT REPORT
Product: Credit reporting, credit repair services, or other personal consumer reports

RE : Request Investigation of Credit Inquiry on My Behalf Dear Credit Bureau Representative, I recently reviewed a copy of my credit report on XX/XX/XXXX and noticed 22 accounts that were paid in full, old accounts that were supposed to be deleted. 
The following inquiries are impermissible : 1. XXXX, XX/XX/XXXX 2. XXXX, XX/XX/XXXX 3. XXXX, XX/XX/XXXX 4. XXXX XXXX, XX/XX/XXXX 5. XXXX XXXX, XX/XX/XXXX 6.XXXX  XXXX XXXX, XX/XX/XXXX 7. XXXX XXXXXXXX, XX/XX/XXXX 8. XXXXXXXX  XXXX, XX/XX/XXXX 9. XXXX XXXX, XX/XX/XXXX 10. XXXX, XX/XX/XXXX 11.XXXX, XX/XX/XXXX 12. XXXX, XX/XX/XXXX 13. XXXXXXXX, XX/XX/XXXX 14.XXXX, XX/XX/XXXX 15. XXXX, XX/XX/XXXX 16. XXXX, XX/XX/XXXX 17. XXXX  XXXX XXXX, XX/XX/XXXX 18. XXXX XXXX, XX/XX/XXXX 19. XXXX, XX/XX/XXXX 20.XXXX, XX/XX/XXXX 21.Dpt EDXXXX XX/XX/XXXX 22. XXXX XXXX, XX/XX/XXXX Please remove these accounts from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a certified factual dispute letter to Transunion that was received by them on XX/XX/XXXX at XXXX. I called two weeks later to check on the status and the representative told me they had no dispute open. I waited another 2 weeks and called back to see if anything changed. That individual told me that they did not have any investigation opened. I have receipt of them receiving my letter. There are several inconsistent items on my credit report that are hindering me from moving forward in the homebuying process. I spent money sending the letter certified and I have absolutely no faith that they did not receive my letter. I am including a copy of the letter sent with visual proof of incorrect items, as well as delivery receipt.
Product: Credit reporting or other personal consumer reports

Chronology of Events : 1. Discovery of Inaccurate Accounts ( XX/XX/XXXX ) : Upon reviewing my Experian credit report, I identified multiple accounts that I believe are fraudulent, inaccurate, or improperly reported. These accounts include : XXXX XXXX  ( Account Numbers ending XXXX, opened XXXX & XXXX ). 
XXXX XXXX XXXX  ( Account Numbers ending XXXX, opened XXXX & XXXX ). 
XXXX XXXX XXXX Account Number ending XXXX, opened XXXX ). 
XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) ( Account ending XXXX, opened XXXX ). 
XXXX ( Charge Off, Account Number ending XXXX, opened XXXX ). 
Additionally, I identified hard inquiries from XXXX XXXX in XXXX that I did not authorize. 
________________________________________ 2. Initial Dispute Submission ( XX/XX/XXXX ) : I filed a dispute with Experian under FCRA 605B, citing identity theft and inaccuracies on my report. I provided : Identity Theft Affidavit.

Copies of my government-issued ID and Social Security card .

A detailed explanation of the fraudulent accounts and supporting documentation. 
________________________________________ 3. Experians Response ( XX/XX/XXXX ) : Experian responded by claiming they contacted data furnishers, who allegedly verified the accuracy of the disputed items. They closed the complaint without removing the fraudulent accounts. However : Experian failed to provide a thorough explanation of their investigative process. 
Experian did not address specific evidence I submitted. 
No detailed summary of the data furnishers responses or verification methods was provided. 
________________________________________ 4. Subsequent Dispute and Inadequate Handling ( XX/XX/XXXX ) : I filed a second complaint with Experian, including updated documentation and references to the XXXX XXXX breach, which may have contributed to the inaccuracies on my report. Despite these efforts, Experian : Continued to rely solely on furnishers responses without critically assessing their validity.

Did not take steps to block fraudulent accounts as required under FCRA 605B.

Failed to notify me of any reinsertion of disputed items.

________________________________________ 5. Current Status ( XX/XX/XXXX ) : The following fraudulent accounts remain on my Experian credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
The retention of these accounts contradicts FCRA requirements, exacerbating the financial harm I have experienced. 
________________________________________
Product: Credit reporting

1. XX/XX/XXXX, i had to file for chapter XXXX bankruptcy due to the housing market crash. my bankruptcy was discharged XX/XX/XXXX. all XXXX credit reporting agencies kept the bankruptcy on my report for an additional year ( should have been removed XX/XX/XXXX, was not removed until XX/XX/XXXX. 
2. I submitted a letter to all XXXX agencies about a mistakenly charged child support payment that was never finalized signed by XXXX and XXXX of them still have not removed it from my report. 
3. I had to short sell my house and was told that it would fall off of my credit report 2 years after the last late payment. XXXX of the agencies have dropped it, a XXXX has not. 

all XXXX of the agencies have been seriously negligent in correcting these issues and i have filed disputes constantly. when i called to find out why my credit scores were still so low, they told me it was because of all the disputes i had filed. so my credit report is supposed to suffer because i am complaining that they are not doing their jobs? 
i really need some help with this as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports and need to delete immediately : XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXXXXXX XXXXDate of inquiry XX/XX/XXXXXXXX XXXXDate of inquiry XX/XX/XXXX XXXXDate of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX # XXXX of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXXXXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXXDate of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX
Product: Credit card or prepaid card

Dear Director Of Operations, After talking several times to the customer service department they failed to correct my concerns! One they failed to add a authorized user to my account. Two seem not to be able to credit payment properly to the account that currently has a XXXX balance after two payments posted. Three have a freeze on the account after they have been provided proof of said payment and processes. Please  have someone correct these issues and complete the update to the account immediately. CPA has verified all has properly been done on my end as a card-holder per the agreement provided upon enrolling with this bank. If, they can't proceed to complete these simple requests very fast close the account.
Product: Checking or savings account

On XX/XX/2024 I submitted a XXXX XXXX XXXX  form to XXXX XXXX for processing a XXXX XXXX  Ally Bank withdrew {$37000.00} from my XXXX XXXX account on XX/XX/2024, with description Direct Transfer to an IRA. The $ XXXX that Ally Bank withdrew has not been transferred into my XXXX XXXX IRA some 46 days after Ally Bank removed $ XXXX from my account. 
I sent numerous secure messages to XXXX XXXX from XX/XX/XXXX XX/XX/XXXX, inquiring on status of the transfer in funds, ( that Ally Bank withdrew from my account on XX/XX/XXXX ) posting to my XXXX account. Received secure message from XXXX XXXX on XX/XX/XXXX informing me that XXXX has not received the transfer in funds from Ally Bank. 
I sent numerous secure messages to Ally Bank XX/XX/XXXX XX/XX/XXXX, inquiring on status of the delivery of the withdrawn, transfer out, funds to the receiving custodian XXXX XXXX. Received secure messages from Ally Bank stating that a paper check was written and mailed to XXXX XXXX however, the mail has been delayed. 
I sent letters on matter XX/XX/XXXX to XXXX XXXX, Ally Bank XXXX and, to XXXX XXXX, XXXX XXXX. Also, follow-up letter sent on XX/XX/2024 to Ally Bank XXXX
Product: Debt collection

I, XXXX XXXX XXXX received a written communication from Toyota Financial Services indicating they are in the debt collection business and stated that the communication was an attempt to collect a debt. Pursuant to 15 USC 1692c a debt collector may not state that the consumer owes a debt nor may they use any language or symbol on the contents of any communication which indicate a person is in the debt collection business pursuant to 15 USC 1692b.
Product: Mortgage

Im writing this to document an egregious error Flagstar Bank made that is causing my family a significant financial hardship, and to seek assistance with remaining in good standing with this organization. 

After a year of making timely mortgage payments, starting in XXXX of 2017, we received a letter stating Flagstar had miscalculated our monthly payment and lowered it by approximately {$400.00}. For the past year, we have continued making timely payments at this new rate. 

We recently received another letter stating that Flagstar had again miscalculated, and we now owe {$7000.00}. This is no small amount! We dont have the funds to cover this, and will have to opt for ttheir Option 2 which is to make monthly payments of {$580.00}. This is on top of the increase they just announced of {$430.00}, costing me an extra {$1000.00} extra per month, which is way outside of the tight budget weve had for the past year! 

In addition, weve already come to question this banks business practices after recently trying to refinance a home equity loan. We were instructed by their personnel to email documents containing sensitive personal and financial details. When I requested a more secure portal or XXXX type of environment to transmit the data, we were informed they had none. I offered my own solution of password protecting a zip file, which I was told couldnt be opened at their end. I found this very surprising for a financial institution that I assume undergoes regular audits. In the end, we canceled the application. 

I was instructed to communicate our issue using a specific email address during a conversation I had with a member of your Customer Service team. I have done so twice and have not received a response.
Product: Checking or savings account

The Truist bank teller, XXXX XXXX, working at XXXX XXXX XXXX XXXX in XXXX, PA violated my privacy and my deceased fathers privacy by forcing me to discuss estate issues in the branch lobby instead of privately in an office. I scheduled an appointment online and clearly explained that I wanted to discuss my fathers estate during the meeting at the XXXX, PA branch for XXXX XXXX on XX/XX/XXXX. I arrived at XXXX XXXX and explained I had an appointment and the teller looked confused and I had to show him the email confirmation for my appointment. There were several people in the bank offices who had no customers, but instead of letting me meet about my fathers estate, the teller made me explain the issues right there at the counter with other customers walking in and out and able to hear the entire discussion. 

I was forced to share my fathers name out loud and explain out loud that his estate will probably be less than {$10000.00} which means it can be handled without opening an estate. I had to share this information out load. In the middle of the branch lobby. With customers around. The teller took my documents and made me sit in the lobby. He did not steer me to an office or give me any place to wait in private. After 20 minutes, he called me up and told me he couldnt do anything or tell me anything. I asked him what that means and if he could tell me the value. He told me he did not know what he could tell me. He said he was only telling me what someone else told him to say. I asked him if I could talk to someone who actually knows the rules to help me understand the best path ahead for my fathers estate. He told me I would need an appointment for that. I told him I had an appointment. 

At this point I told him it was ridiculous that he was forcing me to have this discussion in the middle of the bank lobby and that I deserved the respect of a meeting and a person who could actually answer questions and not just stare blankly and provide no answers. He acknowledged that it was a bad idea to have the discussion in the middle of the lobby. He helped me schedule a second appointment, presumably with someone who could answer questions and not just stare blankly and say I dont know. I told him to expect a complaint over the treatment to which he responded wow. I know youre going through a lot, but your behavior is inappropriate. Truist teller. Who forced me to name my father out loud and explain out loud in the middle of the bank lobby that my named fathers estate is less than {$10000.00} told me that my behavior is inappropriate. 

I also had a question on how to transition a rep payee account, but clearly the teller was not even minimally able to understand that issue. I had to explain the my dad was a rep payee for my uncle and therefore compromise my uncles privacy as well. 

Again, there were offices with no customers in the bank. None of this had to be handled in the manner that compromised privacy and the dignity of the unexpected loss of a family member.
Product: Credit card

I am writing to address an issue with my Synchrony Bank ( TJ Maxx ) account. My bill is due on the XXXX of each month, and I consistently paid between the XXXX and the XXXX and sometimes earlier. Despite receiving confirmations of my timely payments, my account was repeatedly marked as past due. However, when reviewing past statements it does not indicate repeated dishonored payments. 

Upon contacting TJ Maxx, I was informed that payments made the day before the due date could still be considered late due to a 48-hour posting delay in their system. However, this information is not available on their website. 

Because of this confusion, I was charged an extra {$100.00}, resulting in two payments for the month of XXXX. Although TJ Maxx reversed a {$38.00} late fee when I reached out, they subsequently closed my account. This situation has not only been confusing but has also unfairly impacted my credit score. 

I seek clarity and rectification on why a payment made a day before the stipulated due date is considered past due without transparent communication regarding the 48-hour posting delay.
Product: Debt collection

I keep getting so many phone calls from creditors. They will take action. I will be sued. I have an inactive warrant for them? Which I really dont
Product: Credit reporting or other personal consumer reports

Pursuant to 12 C.F.R. 1022.142, I am entitled to have these illegitimate entries removed from my credit history. Enclosed, you will find supporting documentation that underscores the urgency and legitimacy of my request. 

The following entries are fraudulent and must be expunged from my credit report : XXXX XXXX XXXX THIS IS NOT MY ACCOUNT XXXX XXXX XXXX  XXXX THIS IS NOT MY ACCOUT XXXX XXXX XXXX XXXX THIS IS NOT MY ACCOUT XXXX XXXX XXXX  XXXX THIS IS NOT MY ACCOUT XXXX XXXX XXXX XXXX THIS IS NOT MY ACCOUT XXXX XXXX XXXX XXXX THIS IS NOT MY ACCOUT XXXX XXXX XXXX THIS IS NOT MY ACCOUT XXXX XXXX XXXX XXXX XXXX XXXX THIS IS NOT MY ACCOUT XXXX XXXX XXXX XXXX THIS IS NOT MY ACCOUNT The presence of these inaccuracies has caused significant distress and potential harm to my creditworthiness. I expect prompt attention to this matter and the removal of these entries within the legally mandated timeframe. 

Failure to address this issue satisfactorily will compel me to explore all available legal remedies to ensure the protection of my rights. 

I anticipate your immediate cooperation and confirmation of the removal of these fraudulent entries. 

Sincerely, XXXX XXXX
Product: Debt collection

NATLCRSYS IS ATTEMPTING TO COLLECT AN ALLEGED DEBT FROM ME AND CAN NOT VALIDATE THE ALLEGED DEBT. THE ACCOUNT IS CURRENTLY A COLLECTION STATUS AND NATLCRSYS IS STILL TRYING TO COLLECT.I even submitted a cease and desist. i Attach the letter too and they could not provide the promissory note of this alleged debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, This complaint is regarding XXXX XXXX XXXX and their Class Action Settlement for Predatory Lending with Multiple States last year in XXXX. Within this settlement, it states that XXXX agreed to relieve loans and help repair the credit of individuals affected by their predatory lending practices. This was for auto loans placed between XX/XX/XXXX through XX/XX/XXXX. 

This auto loan has caused significant damage to my life, living situation and being able to take care of my children. Although I've received communication from XXXX that I am included in the settlement, XXXX continues to report harmful inaccuracies to my Equifax and XXXX  credit reports. XXXX still calls to collect on the debt that they report as charged off and late every month. 

XXXX took advantage of my desperation and ignored the debt to income ratio locking me in an upside down loan from the start. I'm suspicious that the dealer may have potentially manipulated my application unknown to me. Putting me in this horrible situation. Now this has been 4 years of not being able to get credit, a home or progress so my children can have a better life. I am in college and working towards a better life and this is severly affecting my small family. 

Equifax and XXXX are both reporting completey different things for the XXXX XXXX account. It's harmful and defamatory to my credit profile. I have reached out to XXXX several times with no resolution from them. They report different names for original creditor, dates and most of the information. They report that the account is charged off and report late payments every month. Life is HARD when you can't get basic credit. 

The only fair resolution is for XXXX do what they agreed which is to relive the loan and the XXXX XXXX account be deleted from all the credit agencies and bureaus. I also ask that all collection efforts cease and this account not be sold or transferred to any other collection agencies or debt buyers. 

Thank you in advance for your timely assistance in this matter.
Product: Vehicle loan or lease

I purchased a used vehicle from XXXX XXXX, XXXX, FL, not only did they add some XXXX XXXX 's to my car loan without my knowledge and consent, they actually added more misery by putting on tires that were not even safe even though they sold me a {$400.00} tire policy, then the {$1500.00} car maintenance plan added to my PNC Bank loan they are failing to repair the recall on my airbags on my XXXX XXXX XXXX VIN # XXXX. Now a law has been passed in the State of Florida making sure dealers have money to repair used vehicles regarding this safety recall XXXX XXXX Occupant Restraint Controller. I have had no luck with XXXX Dealerships also, stating the part is not available. So then I called my PNC Bank to see if they can freeze my loan ( I pay XXXX per month car payment ) so they can impound the vehicle, have it in their possession until a repair can be made. Recently I was rear-ended and the first thing the collision body shop asked me is " did the air bag light go on ''. I have found a piece of bent metal before this accident and had no idea where it came from, it may have XXXX XXXX XXXX XXXX XXXX, but really threw it out not really knowing what it was. I do not feel safe driving in this vehicle or having my XXXX in this car. I live in the high humity area that they say is crucial to first be fixed. <P/>PNC Bank recommended I trade the vehicle in, and I know I will never get a decent value due to this recall, but I am worried I wo n't even be able to get rid of this car or have it fixed and want some help with this issue.