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

I disputed an inquiry that was falsely made by Consumer Portfolio Services. This credit inquiry was made on XX/XX/XXXX. I sent a letter to the creditor via certified mail on XX/XX/XXXX this letter was returned, I think their address was changed or they relocated, I tried a 2nd time by resending the same letter I previously sent on XX/XX/XXXX, this letter was sent on XX/XX/XXXX which was received on XX/XX/XXXX, this company did not respond to my letter. I did not authorize anyone employed by Consumer Portfolio Services to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ). This is a serious breach of my privacy rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. This is my numerous endeavor to tell CREDIT BUREAUS 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. I also have enclosed copies of the Federal Trade Commission 's Identity Theft Report and the Police Report which I have filed in my local Police Department. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud.Pursuant to Section 605B of Fair Credit Reporting Act this unknown item must be deleted : XXXXXXXX XXXX XXXXXXXX
Product: Debt collection

Receiving weekly mail correspondence from a debt collector Im certainly not familiar with. Upon discovery, the debt of {$4200.00} has already been charged off/ discharged. There is an umbrella of LLCs associated with these firms as that Ive received correspondence from as well. I also informed them Ive assumed my ALL CAPS/Strawman/ corporation name and authorization to use is not granted.
Product: Checking or savings account

My debit card was skimmed, and the thief made XXXX large transactions on XX/XX/XXXX : ( 1 ) XXXX XXXX  in XXXX XXXX NY : {$3900.00} ( 2 ) ATM withdrawal in NY : {$980.00}, plus {$3.00} ATM fee I received a text about a potentially fraudulent transaction, and I immediately called Chase support ( on XX/XX/XXXX ). During this call, I learned the thief had gotten into my online account and changed my email address, physical address, and phone number associated with the account. 

During this first call, I was told the charges would be reversed on my account number within 5 business days. I also was told I would receive a new debit card and PIN number in the mail. Neither of these two have happened. 

Having not heard an update, I called Chase today ( XX/XX/XXXX ), and I learned the claim was denied. Their reason for denial was that the transactions were made using a physical card and a PIN number. However, I have been in California since XX/XX/XXXX, I have possession of the debit card, and therefore it is impossible that I made these charges. 

Further, I have never made a purchase of this type on my checking account. All withdrawals to date have been to pay Chase credit card bills and ATM withdrawals less than {$1000.00}. 

Chase is attempting to deny this approximately {$5000.00} claim. I am XXXX XXXX XXXX, rent is due soon, and this is a major concern to me. I need the money back as soon as possible, and as promised by Chase over the phone.
Product: Credit reporting or other personal consumer reports

I am requesting again in regards to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these items and fix negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2022
Product: Debt collection

Portfolio recovery solutions has bought and sold an XXXX XXXXXXXX credit card debt that I received after XXXX over XXXX years ago. They call several times a day and switch their numbers.
Product: Debt collection

Vehicle sold in XXXX submitted to XXXX and resubmitted online in XXXX. Was involved in an accident in XXXX, the collection agency was sent a letter and was given information via letter, phone whith copies of original documents. To prove the vehicle was transferred.
Product: Credit reporting or other personal consumer reports

I received a call today from XXXX and was transferred to someone claiming to be from the CFPB. XXXX XXXX from JP Morgan Chase ID # XXXX gave me a complaint number XXXX. I am doubtful of the veracity of this claim, but would like to have record of pursuing it. XXXX XXXX from Chase said a credit card had been applied for in my name through Chase Amazon Credit and he had the last XXXX digits of my social security number. The application had originated in XXXX NC. Since they noticed that I did not live in NC, they called me. The reason I do not think this was legitimate is the nature of the call and the transferring from the bank to the CFPB.
Product: Credit reporting, credit repair services, or other personal consumer reports

From my understanding when you dispute a collection and/or pay down your credit cards your credit score stays either the same of moves up. Why is that my credit score drops drastically when there nothing but positive be changes? Transunion has the worst customer support and seems to me unfair credit reporting
Product: Credit reporting, credit repair services, or other personal consumer reports

My information was involved in a data breach via Equifax, and XXXX. I filed the proper affidavits, police reports etc., and submitted this information to all three consumer reporting agencies, however they refused to remove the inaccurate information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit report and found the following items to be errors. See the attached copy of my credit report ; the errors have been highlighted. Here as follows are items in error : 1. Mistaken Identity XXXX Account Number : XXXX Please remove this account from my credit report immediately! Bureau has refused to investigate this negative account on my report. 
2. XXXX XXXX Account Number : XXXX I was never late on this account, NEVER, please remove late mark on status of this account.
Product: Money transfer, virtual currency, or money service

I filed a complaint against cashapp ( Block Inc. ) due to inadequate customer service and being unfair in their practices. Cashapp failed to take fraud and other fraudulent measures seriously. You are unable to contact anyone in regards to fraudulent activity and when you submit, they never follow up ( since you can not get a real person )
Product: Credit reporting or other personal consumer reports

My account with XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH capital 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. 

XXXX XXXX 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 looked at my credit report on XX/XX/XXXX and noticed XXXX inquires on XXXX and transunion credit report I didn't authorize.i request XXXX and transunion to verify that I didn't ask for credit with following creditors and to remove them immediately and they didn't delete them from my report ( # XXXX ) capone : on XX/XX/XXXX ( # XXXX ) XXXX XXXX  : on XX/XX/XXXX ( # XXXX ) XXXX XXXX : on XX/XX/XXXX ( # XXXX ) XXXX XXXX XXXX : XXXX XX/XX/XXXX ( # XXXX ) XXXX  : on XX/XX/XXXX ( # XXXX ) XXXX  XXXX  XXXX : on XX/XX/XXXX ( # XXXX ) XXXX : on XX/XX/XXXX ( # XXXX ) XXXX XXXX : XX/XX/XXXX ( # XXXX ) XXXX XXXX : XXXX ( # XXXX ) XXXX XXXX : on XX/XX/XXXX ( # XXXX ) XXXX XXXX  : on XX/XX/XXXX I asked for proof and the didn't verify the inquires and they are violating fcra code ( 15 u.s.c 1681 ) sec 602 my right to privacy.There is a need to insure that consumer reporting agency 's excercise their grave responsibility with fairness impartiality and respect for the consumers right to privacy. ( 15 u.s.c 1681 s-2 ) reporting information with actual knowledge of errors. A person shall not furnished 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.please delete these XXXX inquires
Product: Credit reporting, credit repair services, or other personal consumer reports

I am in the process of purchasing a home for my family and it was requested by a lender to pull my credit reports. As part of the review I found there are inaccurate items and should not be on my credit report. I understand mistakes happen but this needs to be fixed because these accounts are damaging to my credit report and I dont have the luxury to just wait around and let the problem fix itself by your agency.

Under 15 U.S. Code 1681e ( b ) ( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. I know that under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. If you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below : XXXX XXXX XXXX ACCOUNT # : XXXX I also noticed there is a payment indicator history that conflicts with the payment status of the referenced account. This account is showing 120 days past due multiple times according I have attached a copy of my Drivers License and Billing Statement for identity verification and a bill for address verification.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am consumer and I am submitting this complaint without any other party or credit repair organization. I despite several request for XXXXXXXX XXXX for compliance to the Fair Credit Reporting Act 15 USC 1681b ( a ) ( 2 ) instructing XXXX to cease furnishing and remove my nonpublic personal information associated with any account or inquiry from any and all consumer reporting agencies, to include XXXX, XXXX, Experian. XXXX has dishonored my right of privacy and confidentiality in disregard of 12 CFR 1016.15 ( a ) ( 1 ) and the congressional findings of 15 USC 1681. 
Enclosed is a letter dated XX/XX/2022 received by XXXX refering to an inquiry instead of the disputed non-public personal information alleging to be the Credit Consumer Financial Protection Bureau Management as deceptive and unfair practice in violation of 15 USC 1611 and the Fair Credit Reporting Act impersonating 15 USC 1692e ( 1 ) the Bureau.
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  has violated my rights. Or a list of inquiries : 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: Student loan

My student loans have been mishandled from starting with NavientXXXX XXXX to account information being sold to multiple lenders, XXXX  data information incorrect on my credit then transfer to XXXX XXXX XXXX which have stated that i don't qualtify as a public service. Over the years I have been getting mislead wasn't given the opportunity to help lower my monthly payments when my students loans was first with Navient and XXXX XXXX. The law suit about them was true which cost me alot of interest builded up. For the last 15 years I have been in income driven payments and have been a public server for over 8 years and never was approved for the program and its not right to get mishandled with U. S department of education lenders.
Product: Credit reporting, credit repair services, or other personal consumer reports

" " '' I have disputed this charge off on this XXXX XXXX XXXX XXXX  XXXX for months.XXXX and XXXX   have reversed them but TransUnionis refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. 
I am a victim of identity theft.CFPB please step up and fix this ASAP, pursuant to section 605B of the Fair Credit Reporting Act. '' '' ''
Product: Mortgage

Please consider this correspondence to be formal notice that our mutual client is hereby Submitting a complaint because your company failed to evaluate this borrower for all loss mitigation options available in violation of Regulation X, 12 C.F.R. 1024.41 ( c ) ( 1 ) ( i ).
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No response to our QWR and NOE request provided by the lender.
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The lender has also failed to respond to our Notice of arbitration and Lis Pendens
Product: Credit reporting, credit repair services, or other personal consumer reports

On Friday, XX/XX/XXXX during a family vacation I attempted to use my XXXX XXXX card and found out it was declined. This card was both my primary business and personal credit card with multiple recurring charges connected with the daily operations of my business. 

On Saturday, XX/XX/XXXX I contacted XXXX XXXX and after several hours of holds and transfers discovered my credit card account was closed due to a notice from TransUnion. Because of the XXXX holiday, I had to wait until XX/XX/XXXX to contact both TransUnion and XXXX XXXX regarding this matter. 

On Tuesday, XX/XX/XXXX I again contacted XXXX XXXX and after another hour of holds and transfers spoke to a Fraud Department Supervisor regarding the matter and learned that TransUnion had unilaterally contacted them and closed the account claiming it was opened fraudulently. XXXX XXXX then sent me an affidavit to sign and have notarized proving that I did open the account and it was n't opened by another individual. 

On this same day I contacted TransUnion and after another hour of transfers and holds I was told by a supervisor that based on a fraud alert I submitted to them, they did in fact close my XXXX XXXX account. They closed this account without notifying me even though they have my contact number and email on account ( also listed on the report I submitted ). The supervisor offered no apology for their error and actually tried to claim I stated the account was opened fraudulently in my report. I am attaching the report to this claim and it clearly states that someone attempted to access and change my account profile, not that the account was opened fraudulently in my name. A simple review of my card 's history would show it was in good standing and paid in full each month. 

I originally submitted the fraud alter as the attempt to access my account profile was the unfortunate way I learned my information was compromised due to the XXXX data breach. 

Due to the actions of XXXX I lost about one full day of my vacation dealing with phone calls, finding a notary and remitting all my information to prove the account was in good standing. Additionally, my business suffered harm as vendors went unpaid and services were terminated costing hundreds of dollars. 

To date, my card account is still closed and I am still suffering damages and spending time trying to mitigate future damages. I am still waiting to see how this affects my credit score which was in the XXXX 's. Additionally, TransUnion has still not contacted me nor sent any correspondence.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a account listed on my credit report that is not accurate from OHIO DEPT OF HUMAN SERVICES # XXXX this account has never been verified and the balance reported is not accurate. This account I am disputing under 609, 623 FCRA. I have no documentation to show that it is even accurate. Please remove this account until I have a copy of the paperwork for my own personal review. I never received any response back for an account from XXXX XXXX XXXX # XXXX I have never ever done business with this company.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : XXXX XXXX XXXX XXXX - Late Payment XXXX XXXXXXXX - Late Payment XXXX XXXX - Repossession XXXX XXXX XXXX XXXXXXXX -Collection XXXX XXXX XXXX XXXX XXXXXXXX -Collection XXXX XXXX XXXX XXXX XXXXCollection XXXX XXXX XXXX XXXXXXXX - Late Payment XXXX XXXX XXXXCollection XXXXXXXX XXXX XXXXXXXX -Collection XXXX XXXX -Collection XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be aware that I have contacted your company SEVEN times, In my previous complaints and cfpb complaint # XXXX I inform your company about a few inaccurate information on my consumer /credit report with your company my request to suppress and block inaccurate information, Your company responded on XX/XX/2022 : In order to process your request we need clarification regarding your dispute. We sent you a letter to request the name of the specific item, the reason you are disputing it and included instructions on where to send it. 
And your NON-MONETARY RELIEF response was : In response to your request, the following actions were taken on your credit file : You disputed the following Personal Information on your credit file. Below includes the actions taken : Address ALREADY REFLECTING ACCURATELY Completely ignoring my Complaints, disputes and attachments this unjust system Ive been dealing with for 3 years XXXX XXXX SERVICES Account number XXXX XXXXXXXX XXXX  XXXX XXXX Account number XXXX XXXX XXXX Account number XXXX EXHIBIT D : ATTACHMENTS
Product: Credit reporting, credit repair services, or other personal consumer reports

TO WHOM THIS CONCERNS I am a Victim of Identity Theft FROM YOUR DATA BREACH. My claim number is XXXX. 
There is information that on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. 

These accounts and inquiries are not done by me. 
IXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Phone Number
Product: Credit reporting or other personal consumer reports

My information was sold and bought illegally because I was a victim of the Equifax data breach. I want these items deleted from my credit report effective immediately : Account : XXXX XXXX Account # : XXXX Account : XXXX XXXX Account # : XXXX Account : XXXX XXXX Account # : XXXX I am attaching proof that Equifax admitted that I was in fact a victim of this data breach and Equifax has done nothing. Please help me delete these illegal accounts my credit reports. And also the name which they are reporting under that Equifax continues to somehow " verify '' which is fraudulent ... " XXXX XXXX XXXX '' is not my name and any account opened under this name should be considered fraudulent and deleted immediately.