23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

My account was closed by CHASE and a check was supposed to be mailed out for fast shipping according to a representative. I kept leaving XXXX to get in contact with a branch manager directly and no one would call back. I then called the retail banking center where I was on the phone with 4 different reps, stating they would transfer me to a " manager '' that could help me with refunding the unused checks I had recently orders, refund fees CHASE had processed for undelivered credit cards and to fast ship my money to the correct mailing address. After almost 2 hours of being on hold and transfered to different reps my last call was with XXXX account supervisor ( she refused to provide additional information ) She said the check was barely shipped on the XXXX of XXXX and I have to wait another XXXX business days to get it delivered. If by then, I do not receive anything they can then resend a new check to the correct mailing address. I asked for my refund on check order fees and replacement cards and she said " Chase does not do any refunds, I dont know why you got transfered to me and there is nothing I can do. I explained to her the charges were unfair checks weren't used but she did not care to furthermore assist in this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not recognize these accounts, and have never incurred debt with these creditors. I do not know where they came from. Thus, I am requesting that you please verify the validity of these accounts, and remove them once its confirmed that they are not mine. 

I believe that someone else may have a relative that may have forged my name XXXX or used my personal information ) in order to take out credit without my knowledge, consent and permission.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM WANTING TO KNOW THE REASON AS TO WHY THE NEGATIVELY REPORTING ACCOUNT FOR XXXX ( XXXX XXXX ), IS STILL REFLECTING ON MY CREDIT REPORT WHEN I CLEARLY ATTEMPTED TO GET IT REMOVED SINCE : XX/XX/2019. I HAVE SUPPORTIVE DOCUMENTATION THAT THE ACCOUNT SHOULD NOT BE REPORTING AS A CHARGE-OFF STATUS WHEN I PAID IT IN FULL, THERE IS NO BALANCE WHAT SO EVER. NO ONE HAS DONE ANYTHING ABOUT THIS MATTER AND IT IS CRUCIAL TO GET THIS REMOVED RIGHT AWAY. IT IS HINDERING ALL ASPECTS OF MY LIFE AND NEGATIVELY IMPACTING MY CREDIT SCORES AS WELL.
Product: Credit reporting, credit repair services, or other personal consumer reports

Tried to dispute this with Equifax, can not access my account. I can not reach a live person when I call. A late payment is reporting for a card that I had paid off and was continuing to be charged for. I was later refunded the charges by the creditor, but it is still showing up as a late payment on my credit report.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX, XXXX XXXX XXXX XXXX XXXX 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. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). 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! Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

I spoke with XXXX XXXX multiple times regarding being over my limit without use of my card. Card name is : XXXX XXXX XXXX. Each time they call ME THEY ARE READY TO TAKE PAYMENTS. I DONT KNOW IF ITS THEM OR NOT. WHEN I CALL THEY PLAY ON THE PHONE. IT TAKES AN HOUR TO GET A STRAIGHT ANSWER. I have tried and tried to pay early with my XXXX account and end up listenchatting with at least 3 reps. Finally after being passed around i give up. This card is unscrupulous in their fees. I wish I had simply kept my 13 year history with XXXX. The only card I had. That too turned bad. Credit monitoring is a job. I never took my credit as valuable until someone took it from me. I pay my bills. {$200.00} was gifted to pay and my credit score went up the next day. I go to the store and fraudster internet scam for finding lost phones charged the card however the XXXX  was locked credit score went bad and the account lists as overdue. I lost my potential home and a way to escape abuse. Fix my credit score. The card is paid in full.
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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: Credit reporting, credit repair services, or other personal consumer reports

Upon securing a copy of my Credit Report from XXXX, I immediately investigated it and noticed that there are erroneous accounts reporting on my Credit file. The 3 credit bureaus are required to authenticate these accounts under the FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Per FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : 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

To Whom It May Concern XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Equifax XXXX XXXX XXXX XXXX, GA XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX To Whom It May Concern : This letter is a formal request to correct inaccurate information contained in my Credit Reports. The item ( s ) listed below are as follow : Please update to the correct address XXXX XXXX XXXX XXXX, FL XXXX I HAVE BEEN LIVING THERE SINCE XX/XX/XXXX PLEASE UPDATE MY CURENT ADRESS, THESE ADDRESS DO NOT BELONG TO ME XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX UPDATE MY NAME, THESE NAME VARIATIONS DO NOT BELONG TO ME XXXX XXXX XXXX XXXX XXXX Requested Correction : please update all info to my correct info I have sent all evidence to support your claim ] In accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, correct ] any and all the item. 

Furthermore, pursuant to 15 U.S.C. 1681i ( b ), I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes.

Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past six months.

Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item ( s ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to comply with the above requests within the time periods specified. Failure to do so will result in a complaint being filed with the Federal Trade Commission I have also enclosed a bill with my Name and current address. 

XXXX, XXXX XXXX XXXX XXXX  # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX
Product: Credit reporting or other personal consumer reports

I would like to request Monetary Relief via CFPB due to account listed below was deleted from my Experian Credit Report and then ILLEGALLY REINSERTED after it was deleted on XX/XX/XXXX. I received no 5 day notice as required under the FCRA. 

Account : XXXX XXXX XXXX XXXX XXXX According to Experian Report # XXXX Date Generated XX/XX/XXXX this account was deleted. ( See Screenshot Attached ) However, it is reporting on my Experian credit report today XX/XX/XXXX. 
This account has been illlegally REINSERTED.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I disputed an unauthorized collection account reported by PORTFOLIO XXXX ( Account Number : XXXX ) with TransUnion. The credit bureau responded stating that the account was verified or updated, but failed to provide sufficient documentation proving its validity. 

Under the Fair Credit Reporting Act ( FCRA ), credit bureaus are required to conduct a reasonable and thorough investigation when a dispute is submitted ( 15 U.S.C. 1681i ). However, TransUnion failed to provide : A copy of any signed contract that legally binds me to this debt. 
Payment records or transactional history verifying the accuracy of the account. 
Detailed communication with the creditor or collection agency confirming the reported information. 
Additionally, TransUnion has not conducted a manual verification, as required under XXXX XXXX Trans Union XXXX, and appears to have relied solely on an automated system like XXXX, which does not meet the standard of a reasonable investigation. 

Furthermore, I have requested documentation proving that the account was reported with a permissible purpose under XXXX XXXX. XXXX, but no such proof has been provided. 

Since TransUnion can not substantiate this account with proper documentation, retaining this information on my credit report is a violation of my rights under the FCRA and could constitute an Unfair, Deceptive, or Abusive Act or Practice ( UDAAP ).
Product: Mortgage

I purchased the home in XXXX. I am XXXX XXXX and set up my monthly allotment to pay for the mortgage with the information provided from Freedom mortgage. In XXXX, I received a letter stating I was going to default on my loan. I called them and was informed they had not received any payments. I then paid them {$7300.00} to get my loan caught up. I spoke with XXXX and they stated Freedom Mortgage never returned the payment to them, they had accepted and kept it. For the past 3 months I have tried to get a resolution with them. I have called frequently and get told various information. They received XXXX allotments from XXXX with each being {$3800.00} ( total of {$11000.00} ) on top of me having to pay out of my personal account. They continue to tell me they do not know where the money is and have yet to refund it to me. I really need to have my money back as they are basically stealing.
Product: Credit reporting, credit repair services, or other personal consumer reports

have disputed items with Experian, XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX reporting inaccurate information for an account i have never had with them. I

have sent letters for verification of the accounts over two years with all being returned to sender. I have disputed the items as fraud with Experian and It comes back as an updated item. I have asked Experian to send me the written verification they got with my information and hand written signatures saying that i opened the accounts and they refuse to. I have spoken with Experian and aske
d for written validation and they refused to give it to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 complaint XXXX was submitted through CFPB for 1 unauthorized inquiry from Citizens Bank, with XXXX. Citizens kindly answered that was going to it off, on the answer to CFPB. The Credit Agency neglect to take the inquiry off, even showing the answer from the Bank, and answer me that the Bank needs to take them off. Please act according to the answer submitted to CFPB, on your previous answer
Product: Credit reporting, credit repair services, or other personal consumer reports

I was looking at my credit report and noticed that it was some inquires on my credit that was not authorize by myself. I have contacted the credit bureau to inform them of the inquires and then was told that the inquires could n't be removed until after 2 years. The company and dates are as follow, XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX/XXXX/XXXX, XX/XX/XXXX, XX/XX/XXXX. XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. XXXX XX/XX/XXXX, XX/XX/XXXX.XXXX XXXX XX/XX/XXXX. XXXX XXXX XX/XX/XXXX, XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX XXXX XX/XX/XXXX. XXXX XXXX XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX XXXX XXXX XX/XX/XXXX. XXXX XXXX XX/XX/XXXX. XXXX XXXX XX/XX/XXXX. XXXX XX/XX/XXXX. This is all from XXXX Credit reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. Do not confuse my credit file with people of similar name, address or SSN. Verify all identifying information.. and It must be proven TRUE, CORRECT, COMPLETE, TIMELY and of my OWNERSHIP, of my responsibility and compliant with the FCRA Laws.. I am attempting to apply for credit and the accounts are keeping me from moving forward on my transaction.. I am requesting a permanent block on the accounts asap XXXX XXXX Original Creditor : XXXX XXXX  XXXX ) XXXX,
Product: Debt collection

I woke up today to an email stating that a company by the name of Diversified Adjustment has filed a major derogatory activity alert indicates when one of your accounts has been reported as 90 days past due. I do not owe anyone any money this is a made up debt. When I XXXX the company all the information points to unscrupulous behavior on behalf of Diversified Adjustment. No one has attempted to collect this debt because this debt is a fabrication. There is no information on the derogatory alert such as creditor or amount owed. They are using their ability to harm my credit score to try to get me to call them and pay what amounts to a ransom. This company should not be allowed to fraudulently ruin the credit of innocent people. I take my credit very seriously and have a score of over XXXX which I worked very diligently to attain. These XXXX should not be allowed to tarnish my credit based on lies.
Product: Debt collection

I have sent demand letter requesting signed information to show me where it states on my lease that a tenant is responsible for what they are claiming I need to pay for such as : paint and carpet cleaning. I lived in this apartment for 4 years and in Nevada that is nothing more than normal wear and tear. I have read through my lease and nowhere does it state a tenant is responsible to pay a fee for carpet cleaning and paint upon move out. Not to mention they also kept my security deposit as well. Which is why I feel I am being wronged in having to owe the amount of {$290.00} they claim I owe.
Product: Credit reporting or other personal consumer reports

This is my 3rd or 4th attempt to dispute these two items on my credit report. They are not my accounts, they do not belong to me. I have no knowledge of opening these accounts, and I do not have any legal binding contract with this company. I have asked for verification to show that this account belongs to me and I have not received it yet. TransUnion stated that the account was verified and reporting accurate which was not true. I disagree with these accounts listed below which is still showing and reporting inaccurate information on my credit report, even after re investigation. I used my consumer rights and ask to show me what method they used to verify these account and the names and address of the people used to verify these account and Trans Union have yet to respond with my requested information. They keep say verified but cant show me how or why. These accounts do not belong to me, I have filed a identity theft report as well stating these accounts are not mine and I may have been a victim of identify theft .These inaccuracies are highly affecting my credit score 1. XXXX XXXX XXXX Account # XXXX for the amount of {$810.00}. 2. XXXX XXXX XXXX Account # XXXX for the amount of {$1300.00}. Please delete these inaccurate accounts from my credit report, these are also fraudulent accounts that does not belong to me.
Product: Checking or savings account

My account is being charged for XXXX overdraft fees although only XXXX transactions appear to show a negative balance. The bank says that even though deposits were credited on a certain day that they didn't actually happen on that day (? ) so they won't return the XXXX fees that appear to be for transactions that were not negative.
Product: Credit reporting or other personal consumer reports

Please remove the following Fraudulent hard inquiries from my credit report : The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Here I attach, along with the dispute, my fraud report that I just sent to all bureaus for the second time so that these questions can be removed, hoping that this time this problem will be completely resolved.
Product: Debt collection

I am showing this account was opened on XX/XX/XXXX. The account has been reported on my credit as of XX/XX/XXXX. This company has not made any attempts to reach out to me about this debt. I was not able to dispute this debt or receive full verification of the debt. Due to company not reaching out to me first.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed with Transunion about a XXXX XXXX XXXX due to immaculate information. They sent me back saying dispute resolved i never recieved any information on how this account was verified no paperwork was sent to me with my accurate information & i was never told how this account was verified as mine. I am trying to get a vechicle to make it to work to support my family and this account is stopping me from doing so.
Product: Credit reporting or other personal consumer reports

I discovered an unauthorized and inaccurate collection account on my credit report from Equifax associated with XXXX, account number XXXX. This account does not belong to me, and I have no knowledge of its origin. I formally disputed this account with the credit bureau, requesting verification and removal based on my rights under the Fair Credit Reporting Act ( FCRA ), specifically Sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 623 ( 15 U.S.C. 1681s-2 ), as well as the Fair Debt Collection Practices Act ( FDCPA ), specifically Sections 809 ( 15 U.S.C. 1692g ) and 807 ( 15 U.S.C. 1692e ). 
Despite my formal dispute and request for a thorough investigation, EQUIFAX has continued to report this account without verifying its accuracy or providing me with documentation supporting its validity. This violates my rights under the FCRA, as credit bureaus are required to conduct a reasonable investigation and must not report inaccurate or unverifiable information. Notably, failure to comply with these requirements has been underscored by precedents such as XXXX XXXX XXXXXXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXXXXXX XXXX XXXX 
This inaccurate information is damaging my credit score and affecting my financial standing. I believe that the credit bureaus failure to properly investigate and respond to my dispute is a direct violation of the FCRA, causing me unnecessary harm.
Product: Debt collection

I received a notice from the credit bureau informing me that a new collection was placed on my account. I have a credit freeze and fraud alert placed only account because of identity theft. In this case there is a collection of {$100.00} dollars that is not mine placed on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person, I am a living human being, I have rights under 15 U.S.C 1681. 

Equifax is governed by 15 U.S.C 1681. And they violated my rights numerous of times. I DEMAND the accounts listed below be removed because according to 15 U.S.C 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 

XXXX XXXX Account # XXXX, XXXXXXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXXXXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX account # XXXX, and XXXX XXXX XXXX account # XXXX
Product: Debt collection

On XX/XX/year> jdbyrider / CNAC sent me a text message saying my payment was late. I responded to the text to run it again. I received another text saying the payment was declined. I called the number on the text and it was a XXXX voice number. I called based on the number in my contacts. 
The man who answered the phone started yelling at me that he has been calling my phone since Friday and accusing me that I blocked their number. I asked him what card number they were trying to run and apologized that I put the money on the wrong account. I asked him to hold on while I moved the money. He continued to yell at me and threatened to have my car seized all while Im asking him to run the payment again. I explained to him I have been making payments for 3 years and have missed a payment only 2 times. I asked him why he was arguing with me while Im calling to make a payment. He said he needed to make his speech and that I was not going to pass him the over. 
He ran the payment and continued to threaten me that if I miss the next payment he will seize my car and fine me {$1300.00} to have it returned. 
He also sent a text message to my brother regarding my account.