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

15 U.S. Code 1681i - Procedure in case of disputed accuracy ( a ) Reinvestigations of disputed information ( XXXX ) Reinvestigation required ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers 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 ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 


( B ) Extension of period to reinvestigate Except as provided in subparagraph ( C ), the XXXX period described in subparagraph ( A ) may be extended for not more than XXXX additional days if the consumer reporting agency receives information from the consumer during that XXXX period that is relevant to the reinvestigation. 




It has been XXXX days, and you are in VIOLATION of this law. Please delete these items as soon as possible! 
The alleged account is showing an inaccurate. PAYMENT STATUS, DATE OF LAST ACTIVITY and HIGH CREDIT LIMITS. The law states if it is accurate, it must be deleted, or you will be fined {$1000.00} per violation. 

The following credit reporting agencies XXXX, Transunion, and XXXX have had lawsuits filed for reporting INACCURATE INFORMATION on personal credit files in which you were ordered to pay millions and you continue to do the same illegal practices.
Product: Checking or savings account

I requested a new debit card for my DDA ( Checking account ). M & T mailed the debit card to the wrong address on 2 seperate occasions. My address is XXXX XXXX XXXXXXXX XXXX XXXX  XXXX NY and both times M & T mailed my debit card to XXXX XXXX XXXX unit XXXX XXXX NY. I did not receive my debit card and now M & T has put my DDA account a risk to possible fraud my mailing my debit card and pin number to another address that is not mine. Additonally, M & T charged me {$25.00} for an express delivery due to their error on sending the debit card to the wrong address.

M & T is denying me access to my DDA account via debit card access. I have called 3 times to have this resolved which M & T has not provided any resolution. I am on hold over XXXX minutes every time I call customer service. 
So now I am forced to physically go to a local M & T branch to withdrawl funds or transfer and after multiple times calling the customer service
Product: Debt collection

The debt collector company XXXX XXXX XXXX has various collectors call me. One left a voicemail X/XX/17 around XXXX on my cellphone shared with my husband and daughter, naming herself XXXX in it. My husband listened to the whole voicemail that XXXX left for my debt. They also keep calling my work, where I have repeatedly told them they ca n't contact me here due to policies. The phone line is to be for my work to schedule reservations only. I told a woman this yesterday when she called and she once again called me again today at my work not too long before XXXX. I told her she needed to stop calling my job, that it is a business line and her repeated calling here could put me at risk for my job, she continued to ask if I was available to talk, ignoring what I just told her, to which I replies no I 'm not, goodbye. My job does n't have caller ID so I am unsure if they used the same number as when they call my cellphone. The collector calls 2-3 times a day and uses both my shared cell phone number and my work number to make those calls. I have told them the first time they contacted me that I was in contact with the medical company that I owe money to, the health insurance was billed incorrectly, they keep billing my old XXXX instead of my new XXXX, and until its corrected I only make payments on what I know I owe 100 %. It 's getting to the point I dread answering the phone lines at my job because a bulk of the time it 's the debt collector.
Product: Credit reporting

I open XXXX to know my credit score then i got amazed when i knew that i got a mortgage dated back XX/XX/2015 that even in dream i didnot do..please help me maybe someone stole all my info ... thats why all im applying for credit cards or lending services are all DECLINed
Product: Credit reporting or other personal consumer reports

In XX/XX/XXXX, I asked XXXX XXXX  to provide me with original documentation that proved information they submitted on my credit report. I requested the information to XXXX ( XXXX ) and XXXX XXXX XXXX ( Collection agency ) by email, and certified mail. I do not recognize any loans owed with the amounts XXXX XXXX  reported to the credit bureaus. In XX/XX/XXXX, a private loan that appeared in my name with XXXX XXXX  for the amount of {$9300.00} was canceled, for personal reasons I did not continue in the program and requested that the loan be returned to the creditor. In XX/XX/XXXX I received approval from the Borrower Defense to Repayment due to XXXXXXXX XXXX XXXX improper practices and high-pressure sales tactics to retain students. causing students to become involved in hard-to-pay student loan debt and received discharge of all federal student loans with XXXX XXXX. In a previous complain that I submitted with your company, XXXX XXXX  stated that they sent the information by an attached link, but that was not correct. There was not any documentation.
Product: Mortgage

WSFS originated 8 conforming loans for me a couple of months ago. At closing, I realized that they had the incorrect loan amounts for several loans, and the head of mortgages threatened that if I didn't settle on the loans THAT day, he would force me to repply for the loans and they would all be at much higher interest rates. I feel discriminated against as a female. They loans were ALL sold, many of them now twice in a few short months. I am now dealing with close to 16 different servicers, many of whom are now threatening for placement of insurance, are not accepting loan payments. etc. This has been a nightmare from start to finish.
Product: Credit reporting or other personal consumer reports

I just discovered a new accounts today on my credit that isnt mine, I added it to the report. Please remove this from my file right away
Product: Checking or savings account

An unauthorized wire transfer for {$6500.00} was taken from my business account on XX/XX/2020. I filed a complaint on XX/XX/XXXX when I discovered it. Since then I have spent countless hours on the phone and at the branch trying to get answers and all they have told me is that the bank the funds were wired to does not respond. Now they have told me to file a police report. I received these funds from a client to finish a project and now they are gone. My bank has been no help because they released the funds but refuse to return them. It has been almost a month and I have nothing. To make matters worse they are charging me for the wire transfer and for ensuing overdrafts. I have filed a case with the Office of Comptroller of the Currency but this can take quite a while and I need these funds returned.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I got notification that a new inquiry had been listed on my report. It was alarming because I did not seek for any credit. After reviewing the report, it turned out that someone used my identity to apply for a loan with XXXX XXXX XXXX. The fraudster listed their address as XXXX XXXX XXXX XXXX, XXXX, TN XXXX. I have never lived in this address. So I followed up with the bank and asked that they close the account, which they said the application is still under consideration and not approved at the moment. So they closed it. I then asked them to notify the credit bureau so the hard inquiry would be removed from my report. The bank rep assured me that it would be done and that this can take about XXXX  months so I should not worry. More than XXXX  months passed and the inquiry still tags on my report. Then, I called XXXX XXXX XXXX  again to complain and I was told that they do not have any record of this ever happening so they can not help me.
Product: Credit card

JetBlue Fraud Investigation XXXX On XX/XX/XXXX, I landed in XXXX, XXXX. I went to a furniture store, my car was broken into and my suitcase, bag, and the pouch with a wallet and credit cards were stolen. and cash, I had one XXXX card in my pocket that I thought I would pay for when I entered the store, the thieves shopped at XXXX with all credit cards, ( all credit cards returned all charges to me, including XXXX XXXX, ) the thieves shopped with credit card XXXX for {$950.00}, auto report immediately that evening to XXXX. And to the other credit companies, they also sent me an alert of the card theft, that evening I ordered a plane ticket home and the next morning I returned home to Florida because I don't have credit cards and cash, on XX/XX/XXXX I returned back to XXXX, I made a purchase at XXXX, ( at the same XXXX that the thieves bought. I didn't know the thieves shopped at this store ) I paid {$560.00} before that the cashier tried 7 times with the XXXX card without success I brought XXXX to the card it worked, today on XX/XX/XXXX the bank charged me {$950.00} after that they checked, when they claim that because I bought at XXXX then there is nothing to do. So I do business with them ... that's why they charge me, it's just unbelievable, all the other banks told me I have nothing to worry about and so far everything is in order, but because I bought from XXXX so it doesn't count ... I don't give up on them and they want to receive the the money back.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX WASHINGTON XXXX DC XXXX XXXXXXXX XXXX XXXX  XXXX, MD XXXX XXXX XXXX XXXX XXXX : {$1700.00} XXXX XXXX Bankruptcy Reference # XXXX XXXX  Balance {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX WASHINGTON, DC XXXX XXXX XXXX  XXXX Balance XXXX {$24000.00} ( Original Creditor : XXXX XXXX XXXX ) Balance : {$10000.00} XXXX XXXX XXXX Balance : {$1700.00} XXXX XXXX XX/XX/2021
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear to whom might be concern, My name is " XXXX XXXX ". I have been trying to report inaccurate items on my credit report over past year but it never worked. I notice that there are several addresses and employment information on my credit report that not belong to me or any my business. So i demand to get these addresses and employment information remove as i list them below : **Address** XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX   XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX*Employment information** XXXX XXXX XXXX XXXX XXXX XXXX XXXX  NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX  XXXX, NJ XXXX I didn't intend to put any of these addresses in my credit report. They are all incorrect and someone might intensionally settle inaccurate items to intervene me obtain my credit. As you may also aware of VIOLATION COUNT 1 [ 15 U.S.C. 1681c ] ( a ) " There are several items on my report that are not legally allowed on my report '' **Hard Inquiries*XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION & As you may ware of Metro 2 Compliance Violation ( Not Including Creditor Contact Information ). This account is currently in dispute but the data furnisher has not updated the remarks on the account which is a violation of the F.C.R.A XXXX  XXXX Inquiry : XXXX XXXX, XXXX unauthorized inquiry and date furnisher has violated Metro2 reporting compliance by not reporting their contact information. Delete immediately!! 
XXXX XXXX Inquiry : XXXX XXXX, XXXX This account is not mine, delete it immediately or provide me full documentation as i never receipt any writing mail disclosure or warning. Section FCRA [ 15 U.S.C. 1681d ] ( a ) " Disclosure of investigative consumer reports '' I must receive a disclosure that this letter was is received and it must be made in a writing mailed, or otherwise delivered, to the consumer, not later than three days after the date on which the report was first requested. Provide me proof that the credit bureaus has followed these FCRA laws. 
XXXX XXXX XXXX : XXXX XXXX, XXXX This account is not belong to me. Delete it!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate accounts in my file. I'm looking forward to the correction or removal of the following accounts ASAP. Thank you. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

Acct XXXX amount XXXX paid in full please update..acct XXXX not my acct please remove..acct XXXX paid in full please update..acct XXXX paid in full please update
Product: Credit reporting, credit repair services, or other personal consumer reports

I just reviewed a copy of my credit report and found the following information to be an error. XXXX XXXX XXXX. I am a victim of identity theft and did not make these charges. I reported the theft of my identity to the Federal Trade Commission.
Product: Credit reporting, credit repair services, or other personal consumer reports

Unable to get a credit report ONLINE from Equifax. My bank is not able to see my credit report. its been 6 months since I had a credit report.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear TransUnion RE : The Coronavirus Aid, Relief, and Economic Security ( XXXX ) XXXX, Passed by XXXX and signed into law on XXXX, XXXX, Contains a provision explicitly addressing the FCRA. Section XXXX021 of the Cares Act amends Section 623 ( a ) ( 1 ) of the FCRA ( 15USC 1681s-2 ( a ) ( 1 ) ). 

I have found the following items listed below to be in direct violation of my consumer law under the provisions of the Fair Credit Reporting Act. These accounts are listed with late or missed payments and should be UPDATED to as Pays or Paid as AGREED. 
Account Name + Account Number Late Payment reported on ( Month and Year ). Please update the account as Paid/Current The late payments were reported during the COVID PANDEMIC and XXXX Passed a law on XXXX XXXX Stating creditors should not report any late payments. The law states the following : The Coronavirus Aid, Relief, and Economic Security ( XXXX ) XXXX, Passed by XXXX and signed into law on XXXX, XXXX, Contains a provision explicitly addressing the FCRA. Section XXXX of the XXXX XXXX amends Section 623 ( a ) ( 1 ) of the FCRA ( 15USC 1681s-2 ( a ) ( 1 ) ). Now a furnisher of data to the consumer reporting agencies that allows its customer to defer payments, make partial payments, modify credit terms, or makes other arrangements for its customers affected by COVID-19, should not report the account as delinquent, but should continue reporting it as current, Unless the account was delinquent before COVID-19 related deferral or modification, are retroactive to XX/XX/XXXX and do not apply to charge-off accounts. 

Please reverse the late payments on XXXX, XXXX and XX/XX/XXXX as its a direct Violation of the Coronavirus Aid, Relief, and Economic Security Act. Additionally, I have never been late on The afore mentioned accounts these errors ( I found and uploaded capital XXXX statement showing account was paid in full on XX/XX/XXXX, are the result processing issues during the pandemic. 

Thanks for your time and Correcting these reporting errors
Product: Debt collection

I received a letter dated   XXXX   XXXX   XXXX   from  XXXX   XXXX   XXXX  to validate an alleged debt.  XXXX   XXXX  has identified themselves as the original creditor but they are not and the information the creditor provided to validate the debt is invalid. The date on the materials provided for  XXXX  University was dated  XX/XX/XXXX  and I was  XXXX   XXXX   XXXX  at that time. I am not legally responsible for this debt because I was a minor and I could not enter into such legal contracts when I attended  XXXX  University from  XXXX . In addition, there is a note at the bottom of the letter stating waived  XXXX . That is the business that is responsible for this debt.
Product: Debt collection

Hello, I really was not sure which drop down to select. I have been getting a notice of intent of garnishment from a law firm. The debt is from 2007 and I believe it may be a credit card debt but I am not sure and I not really sure of the cost as it is not listed on the letter that I continue to receive. I am a single father with some major health issues and have had to receive food support from time to to get by. Can this company continue to collect and send me these notice of garnishment from a 2007 case? When I look up the case on public court website it says the debt was paid in 2007 and XXXX is owed. I just dont get it. Can you help me resolve this issue. I have XXXX and things like this does not only put additional stress on me but causes symptoms to react. I really want to know if they can continue to collect on this 2007 case?? I have attached several documents for your review. I have a lot of medical debt and cant afford for my paycheck to be garnished. It would bring great hardship to me. This debt could be from my previous marriage, I am not sure but I do know it is very old. Please review the documents provided. Thank you for your help if you can provide some.
Product: Checking or savings account

I am a victim of identity theft. This dispute is about a checking and savings account at Chase. I have two previous complaints against JPMorgan Chase bank. These complaints were in reference to a credit card opened as a result of fraud. XXXX from the Chase executive office reached out to me and told me that Chase was holding me liable for the credit card because I had been inside of a branch of showed ID. Upon disputing that with XXXX I asked him to get me the location of the branch and the name of the branch manager so that I may visit that branch and show ID and prove that it was not me that went inside this branch. XXXX called me back and told me that upon doing further research Chase found that I had not been inside of a branch after all and they they were opening up the investigation again. XXXX told me that Chase opened a checking and savings account in my name and that I needed to dispute the checking and savings account before the credit card account could be removed. I submitted the documents Chase asked for. Please note that I have attached the police report number but I was not given a copy of the report so I am attaching what I was given. In addition to the affidavit from Chase I am attaching a copy of the FTC affidavit of identity theft, a copy of my photo ID and a copy of the lease from the apartment I was living in during the entire life cycle of this account which is not the address Chase sent credit/debit cards and or checks to. XXXX told me on the phone that he asked the credit bureau department at Chase to update my credit report to temporarily remove the negative reporting while the investigation was completed, however as of XXXX that has not been done.
Product: Credit reporting or other personal consumer reports

I am filing this complaint to bring to your attention a significant violation of the Fair Credit Reporting Act ( FCRA ) by Equifax in the reporting of an account associated with XXXX Bank XXXX, partial account number XXXX. This account has been reported inaccurately and inconsistently, failing to meet the legal standards of accuracy and completeness required under the FCRA. 

XXXX Violations and Inconsistencies Detected : XXXX. Inaccuracy of Reported Information ( FCRA, Section 607 ( b ) ) : XXXX reported credit limit and high balance for this account are listed as {$0.00}. This information conflicts with data from other credit bureaus, indicating a clear inaccuracy in Equifax 's reporting. 

-The payment history is incomplete, with blank entries for XX/XX/XXXX and XX/XX/XXXX. These gaps make it impossible to verify the account 's legitimacy or assess its accurate status. 

XXXX. Failure to Conduct a Reasonable Investigation ( FCRA, Section 611 ( a ) ) : The report states " Consumer disputes- reinvestigation in progress. '' However, the same discrepancies persist after the supposed reinvestigation. This demonstrates that Equifax did not conduct a reasonable investigation into the account as required by law. 

XXXX. Impact on Payment History ( FCRA, Section 605 ( b ) ) : The missing entries for key months in the payment history undermine the credibility and accuracy of the reported information. This omission violates the FCRA 's requirements for accurate and complete reporting.
Product: Debt collection

Went to XXXX XXXX XXXX, notified them that treating doctor referred me to another XXXX, they put it on my Credit Report XXXX, notified my attorney who sent the attach letter below. Now it is on XXXX and XXXX. Went to apply for an apartment and my Security Deposit was increased by {$500.00} this is not my debt.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX, XXXX 2023 United Credit & Collection Re : Debt that isn't mine Dear United Credit & Collection, I have never been contacted by you pertaining this debt I am not responsible for. While checking my credit report, I noticed there was a collection added by United Credit & Collection. This is not nor has ever been a debt I owe. I have no idea what this debt pertains to and have never used the creditor " XXXX XXXX XXXX XXXX XXXXXXXX XXXX '' and have no knowledge of this creditor. I have never received any correspondence from the original creditor or the collection agency. This is not my debt owed and I am demanding it be removed from my name and credit report immediately. I am also requesting you mail me any and all documents pertaining to this debt since I have never been notified by your company that I owe anything. Please record that I dispute having any obligation for this debt. If you stop your collection of this debt, and forward or return it to another company, please indicate to them that it is disputed and not my debt owed. Please remove this debt that is not owed from my credit report. 

Thank you for your cooperation. Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On or about XX/XX/2021, Me and my fiance ' provided a background screening report to XXXX to be considered for a rental apartment home. On XX/XX/2021, I was denied by XXXX due to a past " Delinquent account ( s ), '' -- in which one of the delinquent accounts being XXXX XXXXXXXX XXXX XXXX " 30 days late '' reporting to my credit report from nearly 4 and 6 years ago! I thought late payments only stayed on reports for up to 2 years? This is ridiculous!