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

Dear Experian & XXXX ; THIS PUBLIC RECORD IS INCOMPLETE AND UNVERIFIABLE! 

Not only this public record is not verifiable, but it continues to report multiple inaccuracies, and incomplete information in violation of my consumer rights. I noticed that XXXX removed it because of being unverifiable, incomplete, and with multiple inaccuracies, but Experian and XXXX are still reporting it and claiming that it was verified. I already called the courthouse, and the clerk directed me to their website to read the guideline which said that they do not report to any credit reporting agencies. How then did you verify it.? These are some violations and inaccuracies that I was able to point out to XXXX; such as ; wrong courthouse name, wrong dock or reference numbers ; wrong filed date, etc, much much more. AGAIN, The United States Bankruptcy courts DO NOT report any activity to credit bureaus. Federal law protects the privacy of most personally identifiable information reported. However, the credit bureau actively searches public records for any judgments and tax liens through third-party research. A Bankruptcy is public information, Again, the U.S. Bankruptcy Court DO NOT report anything to the various credit bureaus, nor do they verify that the information reported is accurate. Your agency has found information on bankruptcies through third-party research. I also, must add that your recent investigation doesn't provide a data furnisher name, it only states that it was certified to your company that the information is accurate, my question is how and from whom? Please validate this information and provide me with copies of any and all documentation associated with these accounts bearing my signature. I formally request that this information is immediately deleted from the credit file you maintain under my social security number. Please note that I am closely monitoring my credit file and you have exactly 30 days to complete this investigation as per the Fair Credit Reporting Act 623 ( a ) ( 3 ) and I will be keeping very careful records of all actions taken regarding my file. Failure to respond satisfactorily within 30 days of receipt of this certified letter will result in a small claims action against your Agency. I will be seeking {$5000.00} in damages for, but not limited to 1. Defamation ; 2. Negligent Enhancement of Identity Fraud ; 3. Violation of the Fair Credit Reporting Act
Product: Credit reporting or other personal consumer reports

These accounts are charged off and since then the accounts has repeatedly been updated as charged off every month. This is an update in the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate these account properly after i asked you to do it twice and your neglect has violated my rights. I am demanding a deletion of the following accounts : Acct name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

hello, I called Transunion multiple times, and I filed a complaint through CFPB but unfortunately not all the issues have been resolved. there were multiple names under my account, and I told them they should just leave my name and still shows another person names on my account. There were multiple Hard inquires on my account, which none of them belong to me and they should remove all the hard inquires on my account for last XXXX months. there were multiple credit cards were opened, which none of them belongs to me and I did not open any new credit cards. Theres also car payment under my name which doesnt belong to me and they did not remove it.
Product: Checking or savings account

Chase Bank essentially forcefully skewed financing pending and posting dates to maximize overdraft fees in our Business Checking Account. 
In XXXX I was told after a transaction post date I have until the XXXX day by XXXX ( more than XXXX hours ) to deposit funds. Today a Chase representative " XXXX '' who would not specify his last name, told me at around XXXX - XXXX XX/XX/XXXX they said its based on " pending '' not " posted date '' which I found extremely concerning and alarming.

He also said that they can charge me up to 6 overdrafts a day because my checking account is a " Business Checking Account ''. This was also another red flag to me odd since I was told it was a max 3 a day like a normal consumer checking account. 

Everything XXXX said was contradicting from what I was told or read about my account. I believe he is potentially corrupt or management above him enforces and encourages this type of financial misconduct. 

I can provide bank statements ( when the month finalizes ) and screen shots.

I am fully willing to cooperate with the investigation and provide my banking information. I believe Chase has been stealing from me in this type of manner when they see the opportunity arises. This is not the first time I have experienced this, I was a victim of this type of conduct from XXXX XXXX as well and received a check in a mail a year later due to class action lawsuits.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to delete the following information from my consumer report. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I demand that the items be deleted to correct my consumer report immediately. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of theFederal Trade Commissions Identity Theft Affidavit. Please delete the items immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to buy my first vehicle and the salesman pulled my credit and told me that my credit was pretty bad for the amount I was trying to get approved for I asked him what was the problem with credit and he showed me my report. These are many derogatory items that do not belong to me. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX XXXX. 
Company Inquiries 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

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! 
These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT.
Product: Student loan

I applied for XXXX Loan forgiveness and was denied even though I meet all the requirements. I also applied for REPAYE to lower payments and was denied for that as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

Have two loans where Lakeview Loan Servicer is the servicer. They have lost a {$4500.00} check for which I have the cancelled check. Secondly, on another check, they have applied the full {$4500.00} check to one loan as a principal reduction. As such, they show me as up to 60 days delinquent for now 3 months. I have waited for hours to talk to service people and they can see the problem and say they will address. I have sent them copies of all cancelled checks and have heard nothing. I have called again today ( from work ) and have left a number for them to call me, and two hours later, I have not heard from them. They have significantly impacted my credit score to the point where I can not obtain refinancing. 

I am writing letters to their head office but can't find anybody to address it to. I can only say that this is a fraud. I strongly suggest that nobody should accept Lakeview as their loan servicer.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the consumer with the fair credit reporting act, this creditor has violated my rights Under 15 U.S.C 1681 section 602 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 an account without my written instructions under 15 U.S.C. 1666b a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.
Product: Debt collection

A dept collection law firm, is garnishing my bank account, which I had no knowledge of an account in the process of being garnished.I believe it is identity theft or mistaken me for some one elese.
Product: Debt collection

XX/XX/XXXX, we paid off our XXXX XXXX credit card and sent a check for full balance and a note to close the acct. Thereafter we learned without our knowledge that XXXX  XXXX XXXX, XXXX was charging an additional {$150.00} stating we still owed this amount from XXXX XXXX. We called and stated this was unfair accounting practices after the fact and they used abusive language stating we owed and they would garnish our payroll and take our property. We stated we did not make any purchases after the account was closed and for them to justify what is the new charges for. Midland refused to explain and continues not to send us any justification. 

Recently we sent copies of our check and note to XXXX and Midland stating here is the evidence and you need to close out your fraud acct and remove from the credit reporting agencies. 

Midland and XXXX refused and insulted us with a simple letter that they are updating the debt to reflect XX/XX/XXXX. We asked again what are these 4 year old charges for  and to date they refuse to justify. 

This company is punishing consumers with a one-sided demand and ruining consumers credit with Account Identify Theft. This company is fraudulently reporting untrue claims on a consumers credit report without any appeal or solution to the problem. CFPB needs to change the way the credit and collection agencies can arbitrarly go into a consumers credit acct, overcharging and place negative ratings without clear justification or appeal process. We feel they are targeting XXXX consumers who are trying to build their creditworthiness especially when a consumer knows nothing about the charges.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2018 Transunion put a deleted account back on my credit when it should be deleted dropping my points down XXXX points
Product: Debt collection

Someone used my information to apply Discover credit card. I don't know anything about that credit card. The address in the order is not my address, I have never live there. On XX/XX/2024 my company gave me an order from XXXX XXXX XXXX XXXX about I owned credit card so the Collection Company : XXXX XXXX XXXX, XXXX requested my company to deduct from my salary. I called Discover bank, they said they will mail to Collection company to hold that order during the investigation. But XX/XX/2024 my company deducted {$170.00} from my salary. I called back Discover bank, someone told me they mailed to XXXX XXXX XXXX collection company to hold the order already to investigative. so I don't know how I do because if the XXXX XXXX XXXX collection company did not notify to my company, my company will continue deduct my next salary.
Product: Debt collection

We filed a bankruptcy over 15 years ago, and a XXXX XXXX card was included with this bankruptcy. We had other accounts with them that were paid off and we closed out. In XX/XX/XXXX ( XXXX ) they sent us a letter for collections purpose, I sent them a Drop Dead Letter soon thereafter, we had never heard from them until today XXXX ( Portfolio Recovery ) Statue of limitations in Ohio is six years! We thought this matter was resolved, but now the phone calls have started. We want this resolved, since the bankruptcy is gone from our credit records, we do n't have any copies of our filling. Want to know what we can do to stop these calls and threats to pay!
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX , CO Account no : XXXX dates of service : XX/XX/23 and XX/XX/23 total due : {$840.00} Insurance Details : XXXX XXXX XXXX Member ID : XXXX Group no:XXXX XXXX XXXX XXXX, XXXX XXXX XXXX , UT XXXX. 

Issue is, the physician never sent the correct details to my insurance to be processed and now they sent the bill to debt collection agency. this will negatively effect our credit and a bad image on our part. 

There is a pending claim no XXXX
Product: Credit reporting or other personal consumer reports

I believe that there have been violations of my rights under the FCRA by these agencies, causing me undue stress, anxiety, mental anguish, financial loss, career setbacks, emotional distress, and loss of sleep. These issues stem from the infringement of my right to privacy as outlined in 15 U.S.C. 1681, Section 602. Specifically, I did not authorize XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  accounts in my consumer credit report. 15 U.S.C. 1681, Section 604, subsection ( a ) ( 2 ) explicitly states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 U.S.C 1666 ( b ) A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. XXXX XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/2022 my wife drew a {$5000.00} check, no. XXXX, payable to XXXX for my life insurance policy premium, and drawn on our joint checking account at JPMorgan Chase Bank , N.A . ( Chase ) XXXX XXXX XXXX, XXXX XXXX  NY XXXX. My wife mailed this check to XXXX that same day, but the check was apparently stolen from the mail. 
We were unaware of any problem with this check until we received a XX/XX/2022 letter from XXXX to me, advising that We have not received your annual premium payment that was due on XX/XX/2022 and that my life insurance policy had therefore lapsed. I verified that check no. XXXX, including an image of the front of the check only, did appear on our most recent Chase statement, but XXXX insisted that it had not received payment. 
I therefore ordered a front-and-back image of check no. XXXX from Chase. On receiving a copy of both sides of the check, I noticed that the back was endorsed with a scarcely legible signature, XXXX XXXX XXXX, or something close to that. It was not endorsed to the payee on the front of the check, XXXX. 
I showed check no. XXXX to Chase XXXX  XXXX XXXX XXXX, at the branch at XXXX XXXX XXXX, XXXX XXXX  NY XXXX, on XX/XX/2022. XXXX XXXX agreed that the endorsement was a bad forgery and added that he did not understand how the check was ever accepted in the first place. He said I would receive credit within 90 to 120 days and asked me to fill out a Declaration of Unauthorized Endorsement or Altered Item, which I did. 
It has now been 120 days but I have received no credit, and only further evasion, from Chase. XXXX  a XXXX from Chase at XXXX ext. XXXX told me, falsely, that Chase was not liable for the check and that my only remedy was against the depositary bank, reportedly XXXX XXXX  in California. He also told me that Chase was pursuing XXXX XXXX, and asked me to wait another 90 to 120 days while it did so. XXXX admitted that he could not tell me when, or whether, I would receive credit for the altered check. 
Chase has no excuse for debiting my account for a stolen check that was not endorsed by the payee or even in the name of the payee. Ultimate liability for the stolen check may be with XXXX XXXX  but Chase is liable to me for the {$5000.00}, with interest. I respectfully request that the CFPB order Chase to pay me this amount.
Product: Checking or savings account

In XXXX XXXX  XXXX I fell for a scam related to a relationship at XXXX XXXX XXXX. Foolishly, I deposited several checks unknowingly that they were going to bounce. I tried to contact the bank when I realize they were not real and several time have tried to resolve it with chase. They ultimately decided to end our relationship. I dont participate in any criminal activity and other lines of work that would put them at risk. I would like to still get a second chance with the bank and have been trying to resolve this since. I now understand check scams and other kinds of scams as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed an entry on my Experian report. Originally I did not even recognize the entry because it was reported as a TOTAL XXXX card which I never had. I then noticed it was from XXXX XXXX XXXX and was an account they sold to XXXX. I had paid off the account and had an agreement that the account would not be reported and removed from my credit report. I have a letter verifying this agreement. Initially Experian stated they had proof this was my account and I submitted a dispute saying it was to be remove per the agreement with the creditor. I have submitted the attached letter twice and asked for this entry to be removed but Experian, XXXX XXXX XXXX and XXXX refuse to comply.
Product: Credit reporting, credit repair services, or other personal consumer reports

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 an account without my written instructions. 
A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I do not have a contract with ) XXXX XXXX XXXX ) Account # XXXX Nor do I owe any debt to ( CREDIT CONTROL CORPORATION ) Account # XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution proce was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and 50.6K financial loss, and I seek appropriate redress for these violations.
Product: Debt collection

I called on XX/XX/XXXX, this company collection agency named XXXX XXXX XXXX, to find out, for what reason, this collection agency, does not stop harassing me. the agent I spoke with explained to me that I owed the sum of {$280.00} for the company XXXX XXXX XXXX, at XXXX XXXX XXXX, XXXX, CA XXXX. I refuse to pay for this rental agency, or it found my last accommodation. before making the inventory and handing over the keys to the manager. it was clear that I had paid all my rent for my apartment and that I had left the apartment without any damage.

I always had problems with this apartment rental company when I was living in this apartment. sometimes the manager asks me to pay my rent for the month and when I paid the next month which showed that I didn't pay my rent for the last month ... this rental agency did a lot of error with my rental agreement so now I refuse to  pay the amount that asks me. I am also filing a complaint against this collection agency, which does not respect my privacy and harass me every day with phone calls and texts. I told this collection agency agent, before hanging up, that I know my rights and ask them to stop harassing me right away or I will file a complaint against this agency.
Product: Credit reporting

Equifax is reporting the wrong dates for an old bankruptcy I have already disputed the account many times and they will not remove it. I have already sent them proof of correct dates. correct date is XXXX XXXX 2007.
Product: Credit reporting or other personal consumer reports

I believe FCRA 605B requires us to remove any incorrect accounts from my credit report. Can you please check the documents? Some of the listed accounts have inaccurate reporting, including incorrect amounts and dates.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX i disputed this creditor- AD ASTRA REC, XXXX XXXX XXXX  The date opened on all 3 credit bureaus is different and the " last active dates are all diffeent on all 3 credit bureaus. I have requested for proof of the validity of this account, to include signed contract and correct date opened and proof of last active date. I have also requested all 3 credit bureaus have the same information. Each dispute was resolved without proof and consumer responsibility.
Product: Vehicle loan or lease

I co-signed for my sister on this vehicle, she has paid it down a lot but is upside down on it. I am trying to purchase a home but with 2 auto loans it is very hard. She is trying to remove me off the loan but MCMC is making it extremely hard. All I need to be done is my name off the 2015  XXXX XXXX
Product: Credit reporting or other personal consumer reports

My account with XXXX was never late! I have had exceptional payment history with 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 in XX/XX/year> 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 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, credit repair services, or other personal consumer reports

Equifax, XXXX XXXX and XXXX are continuing to report inaccurate information. This collection with XXXX  should not appear on my credit file for I have sent proof and it still remains. I agreed with XXXX that I would pay for delete. Item is paid and was not removed. Sent in that proof to the credit bureaus. Per XXXX representatives, have advise credit bureaus to remove due to agreement for pay for deleted was completed, yet this still remains on my credit file damaging my credit scores.