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

I am responding to your recent response to my dispute of inquiry 's on my credit report. I chose xactus as that is what shows on my report. You stated that XXXX XXXX XXXX XXXX pulled credit report on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Then, client XXXX XXXX pulled credit report on XX/XX/XXXX I See XXXX RE ON XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX AND XX/XX/XXXX AS well as there being XXXX on XX/XX/XXXX. 

These are the inquiry 's I'm reporting as ran fraudulently and unknown to me. I'm requesting they be removed ASAP due to the nature. Im requesting any proof i authorized this to be run and any information to go with that. I did not run these reports and can assure i didn't authorize it.
Product: Credit card or prepaid card

I am a XXXX member ( XXXX ) therefore I make lots of purchases on a weekly basis, I tried in the past to open credit cards ( Chase ) on the XXXX website and every time Chase Bank deny every application so far, yesterday I did a test and worked!! I tried to open a credit card with chase on the XXXX site and the application was denied. 

Went to a different card holder company and application was approved on the spot, both applications were done on the XXXX website, first one with Chase was denied and second one with a different banking institution was approved. 

I have a Chase checking, savings and mortgage account at the moment, used to have another mortgage which was transferred to XXXX, bottom line if I have a history or pattern of been financially responsible why every time I submit an application Chase bank always deny process. 

Few months ago I submitted a discrimination complaint against Chase, They send few letters from their headquarters, in those letters They asked me to get in touch with them to follow up, I tried to get in touch with them, most of the cases nobody was available or They will always try to defend themselves saying They were no doing anything wrong. 

They also keep sending letters saying that They are doing everything correct and therefore I have no right to complain.
Product: Credit reporting or other personal consumer reports

Filed dispute for 2 accounts on XX/XX/XXXX that where deemed " verified '' however upon checking my XXXX report on XX/XX/XXXX I saw that the require notice of dispute was not present, and therefore are in violation of FCRA 623 ( a ) ( 3 ) and can not report this information. I notified Early Warning Services of this violation by usps certified mail 3 times ( on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX see attached usps cert mail confirmation of receipt ) without any response back from Early Warning Services.
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my credit report I noticed there were fraudulent inquiries on my credit file. I have no knowledge of these hard inquiries and they do not belong to me. I have a fraud alert on my credit file and was not notified of someone applying for credit in my name. My phone number is listed on my fraud alert and no one contacted me to validate if I was applying to extend credit. These are fraudulent and needs to be deleted immediately off my credit file. I reached out to the creditors and they wasnt able to provide me with any information on the inquiries or who attempted to get credit in my name. The inquires are listed below : XXXX  : XXXX  Mortgage XX/XX/20 & XX/XX/20 TransUnion : XXXX Mortgage XXXX & XX/XX/20 XXXX  : XXXX  Mortgage XX/XX/20.
Product: Credit reporting, credit repair services, or other personal consumer reports

After carefully reviewing my consumer report, I realize my consumer rights have been violated. According to the Fair Credit Reporting Act, 15 USC 1681a Definitions : Rules of Construction ( 2 ) ( a ) ( i ) States the term consumer report doesnt not include any report containing information solely as to transactions or experience between the consumer and the person making the report. Late payments are a form of transactions and utilization is an experience created by credit usage. XXXX, TRANSUNION AND XXXX ARE reporting late payments on multiple accounts ( XXXX  XXXX XXXX ) and/ or Utilization is an experience created by credit usage. 15 USC 1681b ( a ) ( 2 ) states any consumer reporting agency may furnish a consumer report under the following circumstances and no other, in accordance with the consumer to whom it relates. I never gave XXXX, TRANSUNION AND XXXX OR XXXX XXXX written instructions to report anything to my consumer report, let alone this late payments/utilization. Also, according to 15 USC 1681 602 Congressional findings and statement of purpose states, There is need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. It also states 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 method undermined the public confidence with is essential to the continues function of the banking system. Nothing about the reporting of these late payments are accurate and my privacy has been violated due to Transunion violated my consumer rights by allowing these late payments/utilization to report to my consumer report! 

XXXX, XXXX, TRANSUNION AND XXXX XXXX ARE IN VIOLATION OF 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( b ) OPT OUT ( 1 ) IN GENERAL A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.
Product: Mortgage

This is an over view of the events that have transpired, attached is the payment history .... there were late payments and the exact times I tried make payments may be off and the document attached is the accurate accounting of attempts to pay and actual payments made. The difficulty of the timing of these payments has cause me to not have fund available as they did not draft on the proper days, the company could not find my accounts as I was always getting payments made on time until their system failed as can be seen in the document provided.. so... for months, ( since XX/XX/XXXX ) I have been trying to pay my mortgage thru Mr. Coopers online portal. since then I have found out the the Portal was broken and was not processing my payments. found that out in XXXX. I was instructed to pay by calling in a payment. Everytime I call in a payment, the tell me is has processed and show it on the portal, but the payment does not process. I call in after 5-7 days and they tell me they cant find my account information. No out reach from them, via email or phone call to alert me of the account error. I have to call back in and make another payment, which does not get recognized in their system and when I call into to confirm, they tell me they can find my account again. I have asked them why they cant find my account as I have had the same account number for 46 years. And I have confirmed my routing number with my bank. XXXX XXXX XXXX I have tried to escalate the issue so they can explain my they cant find my account to no avail. My payments post to the website but sporadically get debited to my account, so I am now in arrears. Also been charge late fees etc which they have removed on request, but continue to assess and remove each time I try to make a payment and it fails. two times in XX/XX/XXXX, two times in XX/XX/XXXX, two times in XX/XX/XXXX, 4 times in XX/XX/XXXX and 4 times in XX/XX/XXXX. I make a payment that they say posts to my account then 7 days later they reverse the payment, and every time I call in they say they cant find my account and to erase the payment information on the site. Not they are telling me I have to pull cash out of my checking account and go to XXXX or XXXX to process a XXXX XXXX payment. It is REDICULOUS in this day and age.
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found several iteams on there to be inaccurate.

Under U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure the maximum posible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if afther 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 modified or deleted from the file of the consumer. 
Please remove the following items from my credit report immediately. 
XXXX XXXX XXXX XXXX CREDIT COLLECTION SERVICE ACCOUNT RESOLUTION XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I Disputed debt directly with creditor, only XXXX was removed and updated XXXX and Experian inaccurate data still remains on my credit report. I have been denied credit due to error.
Product: Debt collection

This debt collection account was paid off. Account is still currently reporting as a derogatory charge off. The account was paid in full {$390.00} as of XX/XX/2018.
Product: Credit reporting or other personal consumer reports

I request the immediate removal of the unauthorized accounts from my credit report. I did not initiate or authorize them and am unaware of their origins. As per USC 1681g, I formally ask that they be removed within 15 days. Please find the enclosed documents for your review.
Product: Mortgage

When making the monthly mortgage payment, it rose approximately {$500.00} dollars more. When I called the bank, Planet Home Lending, they informed me that this happened after analyzing the account and the bank having paid the property taxes. The institution reports that I pay {$3400.00} and {$860.00} for property taxes. By letter, on XX/XX/2022, ask the bank for copies of these payments made, to verify at the agency, if they were credited to my account. At the moment, the only thing that the institution has sent me has been a copy of the screen indicating the payments made and the monthly charges for the months of XXXX and XXXX. By phone call and email, I informed them that I need to go with the copies of the paid checks to the tax collection agency, in order to investigate. Tell them that this agency provides the information with the copies of the checks of the amounts received. 
On XXXX, XX/XX/XXXX, I sent an email following up on the process and they have not responded. I fear that I will not be able to afford this increase in my monthly mortgage payment and that I will lose my property. That increase represents the payment to some of my utilities or my food purchase.
Product: Credit reporting or other personal consumer reports

I am writing to request your assistance as a victim of a severe form of trafficking in persons, as defined under 22 U.S.C. 7102 ( 11 ), or XXXX trafficking under 22 U.S.C. 7102 ( 12 ). This situation makes me eligible for certain adverse credit information to be blocked according to 12 C.F.R. 1022.142.
Product: Vehicle loan or lease

I am writing to formally request the deletion of XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX : XXXX from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested an investigation of error on my credit report back in XX/XX/2018. My understanding was that the credit bureaus were supposed to complete their investigations and respond back to me within 30 days, or the contested items would be deleted. As of today, I have not heard back from any of the bureaus, and the disputed accounts are still reporting. I have even sent two follow-up letters ; both of which have apparently been ignored.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, Capital One NA and on XXXX XXXX, XXXX XXXX XXXX both conducted a hard inquiry on my credit report through XXXX, XXXX, and XXXX. I did not attempt to apply for auto financing or any kind of credit through these lenders so I called and/or went online to all three credit bureaus to place a freeze and fraud alert. 

I notified the local police but they advised there would be no utility in making a report since I had not actually been financially harmed. 

I called XXXX XXXX XXXX and they advised that I needed to contact the credit bureaus to dispute the inquiry. 

I called Capital One and they advised me to send them a letter detailing the dispute and a copy of my credit report. They received the letter on XX/XX/year> but as of XX/XX/year>, the inquiry was still on my XXXX credit report. 

I disputed both inquiries with all three credit bureaus. XXXX and XXXX removed them both after a simple phone call. On XX/XX/year>, XXXX called and advised I would need to send in an FTC.gov fraud report in order for them to remove the inquiry.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX Reported late payments on my consumer report after having a phone conversation with the company in regards to The Coronavirus Aid Relief, and Economic Security Act, passed by Congress and signed into law on XX/XX/2020 which contains explicitly addressing the FCRA, as XXXX XXXX previously reported. Section 4021 of the CARES ACT amends Section 623 ( a ) ( 1 ) of the FCRA ( 5 U.S.C. 1681 S-2 ( A ) ( 1 ), Violation of 15 USC 1662 ( 2 ), VIOLATION 15 USC 1635 LACK OF RIGHT OF RESCISSION, violation 15 USC 1681a , violation 15 USC 1692e , The False claims act, 31 USC 3729-3733 , FAIR DEBT CREDIT ACT LAW 111-203, title X, 124 Stat. 2092. Delete LATE PAYMENTS AND UPDATE TO PAID AS AGREED
Product: Money transfer, virtual currency, or money service

$ XXXX is an illegal cash app by inmate XXXX XXXX # XXXX of the Georgia Department XXXX XXXX. He is using the cashapp to make illegal transactions and gamble. $ XXXX  is also a contributor to this. He obtained it fraudulently and used fake documents to verify his information.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018, one month ago I reached out to the credit bureaus in regards to fraudulent items which appear on my credit file. Ive made several attempts to have the items blocked to pursuant to section 605b of the FCRA all to no avail.
Product: Credit reporting or other personal consumer reports

I'm shopping around for home insurance quotes and I'm being told because of my claims history that I am not eligible for home insurance. After investigating with XXXX XXXX, my current insurance company, they shared that a claim that doesn't belong to me or my current address was attached in error in XXXX 2020. XXXX XXXX agrees and verified that this claim belonged to someone else and is probably preventing me from getting my insurance quotes that I'm seeking. XXXX XXXX said the error is listed on LexisNexis database and that they should remove this from my name and current address.
Product: Credit card or prepaid card

Credit card with TD Bank N.A. 

I transferred the credit card balance to another credit card. In addition to the transfer, I have faced additional charge, one of witch I paid. I am being threatened with a credit bureau report. 
I have called them without satisfaction. 
I attempted to review past transactions but could not access the account. 
I am a CPA and have put in a considerable amount of time in this matter. I should be reimbursed.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Please Remove all Fraudulent accounts and inquiries as i have no knowledge of any of these accounts they are being investigated by the FTC, According to FCRA 605B this information must be blocked immediately until the investigation is over.
Product: Debt collection

I have received notice of debt owed by a company called XXXX XXXX XXXX in the amount of {$4600.00}, original creditor of Comenity bank. 6 months ago, as my health was fading I reached out to Comenity online in regards to me being 100 % XXXX and requesting hardship or help in some way. I was ignored and the debt was sold. In the terms of the card, it states there are remedies if you become XXXX but I guess it doesn't apply to XXXX. The balance just goes up and the debt is sold. Why was my request ignored and why does the balance continue to grow? This is shameful, I am a 100 % disabled/housebound Veteran.
Product: Checking or savings account

CHASE BANK, JP MORGAM CHASE BANK, HAS ALLOEW MY HUSBAND  TO MOVE FUND FROM OUR JOINT ACCOUNT TO HIS OWN ACCOUNT IN SAME BANK, MY ATTORNEY AS SUBPOENA THEM, .ORIGINAL AMOUNT WAS $ XXXXHE MOVED $ XXXX.then moved {$70000.00} to another bank durind a divorce.the first move was onXXXX.im not sure whenthe second move happened.please help me as i can no longer afford attorneys.i need to know my rights, and what responsibility CHASE BANK has in this matter
Product: Student loan

I have two private loans that I received when attending XXXX XXXX XXXX XXXX. Loan # 1 was for {$5200.00} in XXXX and Loan # 2 was for {$2900.00} in XX/XX/XXXX. The terms of the loan was n't explained. I am in a variable rate that is continuing to increase and currently is above 14 %. I have been paying on these loans for 10 years ( since XX/XX/XXXX ) and still owe a balance greater than $ 20K. My monthly payments are {$200.00} of which {$150.00} is interest and {$100.00} of which {$76.00} is interest. Over 70 % of my payments is interest and I 'm unable to continue making these payments. It was advised that I would need to try to obtain a loan from a different company to payoff these loans if I want a lower interest rate but the loans would be extended out further than the current maturity date in XX/XX/XXXX which would result in my paying even more than I 'm expected to pay now. I am stuck in what appears to be a never ending cycle of paying off my student loan.
Product: Credit reporting or other personal consumer reports

Subject : Complaint Against Experian for Violation of Fair Credit Reporting Act Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Experian for its refusal to remove a charge off account from my credit report in violation of the Fair Credit Reporting Act ( 15 USC 611 ). 

Account Information : Creditor Name : XXXX XXXX XXXX Account XXXX Date of Charge Off : XX/XX/year> Amount : {$11000.00} I have previously disputed the accuracy of this charge off account with Experian and provided evidence that the information is inaccurate. However, Experian has failed to conduct a proper investigation and continues to report the inaccurate information on my credit report.
Product: Credit reporting or other personal consumer reports

My credit report contains late payment remarks that are completely inaccurate and misrepresent my actual payment history. These false records are unfairly lowering my credit score and harming my financial reputation. I will not allow these reporting errors to go unchallenged. 

Despite my diligence in managing my financial obligations, these mistakes continue to create unnecessary obstacles. The FCRA clearly states that any incorrect, outdated, or unverifiable information must be promptly corrected or removed. I demand immediate action to rectify these errors, as any further delay will only increase the damage already done. Failure to act swiftly will be seen as deliberate negligence.
Product: Debt collection

A company named XXXX XXXX - In XXXX FL. Would send a colection letter for the last 2-3 years claming that I owed XXXX {$300.00}. I called XXXX and XXXX informed me that not only did I not owe them anything, but that the Account Number DC was using was not in the format that XXXX used for their Accounts. Now Diversefied Consultants has filed a colection notice with XXXX. My credit score went down 30 points! this company needs to not only remove the Collection clame, but pay damages!
Product: Credit reporting or other personal consumer reports

On ( XXXX XXXX ) you received my dispute regarding some transactions and late payments that you and ( XXXX ) furnished to my consumer report and when I disputed these exclusions using the FCRA I received a response from you ( XXXX, XXXX, Equifax ) stating that the account was verified!!! 

I am not sure why you responded with Verified as I did not ask for verification of anything! The law clearly states that ; ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; how can you validate a dispute regarding information that is excluded from the consumer report? The law says transactions are not apart of my consumer! So how can you validate a late payment?

Further more lets take a look at 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 am requesting all information pursuant Rule 1002 on 15 USC 1666b and the procedure that was used to authenticate accuracy ; What reasonable procedure that you have adopted designed to ensure that each peridioc statement including information required by section 1637b was mailed or delivered to the consumer not later than 21 days before the payment due date.

The only way for you to validate a latepayment is to ensure that 15 USC 1666b was done in compliance METRO2 compliance and FCRA compliance!! to the specifications of the law 15 USC 1666b! Further more this process must be certified by an agent that the information is accurate.

We are requesting the Certification of accuracy and the agent/s that were involved in the certification process, that certified that the information is complete and accurate.

Failure to provide this information clearly admits that proper steps and certification was not done in compliance with the law 15 USC 1666b, and you ( XXXX, XXXX, Equifax ) have fraudulently verified an account without a reasonable procedure as required by law. 

Delete these incomplete and unverifiable accounts and transactions from my consumer reports.