23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I filed a dispute with Chase on XXXX.i informed Chase that I am disputing their claim.moreover I requested that Chase supply me with copy of the contract with my authentic signature.Chase never provided a copy of contract with my authentic signature and continue to report this account to the credit reporting agency.this account should have been deleted off the CRA files.further more the fair credit reporting act regulates how creditors handle consumers dispute.the statue states that when a consumer disputes any item the creditor should conduct a reasonable investigation within 30 days to determine if the challenge item is correct.after 30 days have expired if creditor have not completed the investigation the disputed item must be deleted.finally Chase failed to report the dispute to the CRA which is a violation of the FCRA section 623 and carries a find of XXXX dollars
Product: Mortgage

We have a Mortgage & Home Equity Line of Credit with JCMorgan Chase. 
The problem we are having is when we filed Bankruptcy Chapter XXXX, JPMorgan/Chase was notified we were continuing our payments for the Mortgage & Home Equity Loan. 
We recently applied for credit & was denied. So when I checked our credit reports I found that JCMorgan Chase had reported we filed Bankruptcy on our Home Equity Loan. Our last payment was in XXXX 2013, they wrote it off & we had a {$0.00} balance. 
This was an untrue statement so we went to our local branch in XXXX, IN to get this straightened out. 
The Chase employee contacted the mortgage dept, after trying to straighten this out, he told her it made no sense & wanted her to explain it to me. 
She explained that since we filed for Bankruptcy they wrote off all our accounts and could not do anything about this. 
I told her we did n't include our home equity loan, she said we did & would need to get an affirmation from our lawyer. 
There was nothing I could say to convince her that this was an error. 
I contacted all XXXX credit bureaus & notified them of the error, sent them copies of the papers I am including along with this letter. 
I talked to a customer service representative from one of the credit reporting agency & was told Chase claimed this was true & they could n't do anything about this. 
We went back to Chase in XXXX & talked to another person who looked up our account & showed us our account is in good standing, our current balance & the payments were always made on time, & could n't say why Chase would n't correct this. 
I talked to another dept from XXXX about getting the info on who it was that was reporting this inaccuracy & told me they have all the info they need to correct this but their hands are tied because Chase will not give them the OK to do it. 
I asked what else I can do to fix this & she gave me the number to contact you.
Product: Credit card or prepaid card

Received notice of account closure XX/XX/2021 citing " Key Factors that aversely affected your credit '' which are not accurate and citing a date of credit score provided of XX/XX/2021. A payment was made on this account on XX/XX/2021 of {$3700.00} bringing the account balance to XXXX. I am in the home buying process and wanted to 1 ) clear this monthly payment as a liability for the home loan and 2 ) improve my credit score. The account being closed on me without notice will adversely harm my credit by 1 ) closing an open account with 100 % positive payment history and 2 ) not giving me credit for reducing resolving balance to credit limit ratio since I no longer have the credit limit of {$6000.00} on the account. One of the " Key Factors '' cited was " Not Enough Balance Paid Down Over Time on Real Estate Secured Loans ''. This is a farce as more than the minimum mortgage payment has always been paid on time over the history of the current mortgage account, which has also been paid in full as of XX/XX/XXXX. I understand this would not have been updated with credit bureaus as of XX/XX/XXXX. 

XXXX XXXX / Synchrony Bank was fine making money of my interest payments until I paid the account and then immediately closed it which is negatively affecting me and citing reasons that were 100 % the unchanged when they initially issued credit. This is fraudulent. It is also not fair reporting that I do not benefit of my positive payment history and paying the account balance via credit scores for my home purchase and will instead be negatively impacted which will increase my mortgage cost in the interest rate I will qualify for. This is completely unacceptable practice. Synchrony Bank got paid and immediately closed the account.
Product: Credit card

After investigating I did not authorize this account in my name. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such in fact therefore no debt exist
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX & XXXX XXXX of 2018 I received my credit profile from a mortgage lender ( XXXX XXXX  ) which included errors. My first thought was that the error was just a mistake, but when the second file had the duplicate entry I filed the dispute. Credit Plus is the credit report provider for mortgage companies and I am having a difficult time receiving information. I called twice on XX/XX/XXXX to follow up on my dispute and was cut short by one representative that was rude and not helpful. I emailed this company twice and was told they have to wait for the manager to assign the case to a representative. How long does this take? No one has acknowledge my request yet. This inaccurate information is having a negative impact on my credit and score. I checked my three reports with the major bureaus and do not see this duplicate entry ( XXXX XXXX line of credit ). This makes me believe that this Creditplus mortgage report is the one reporting incorrect information. Additionally, the mortgage company had to run my credit twice which has caused my score to decrease. I asked the company before filing the dispute if they will provide a new report and accurate score once complete and they stated no. The only way to regenerate the credit and score is to pay. Why am I being penalized for these companies reporting this improper data? I am in the process of getting a mortgage and this is hurting my chances of obtaining a mortgage.
Product: Credit reporting or other personal consumer reports

Under FCRA Section 609 ( a ) ( 2 ) Section 609 ( a ) of the FCRA generally requires consumer reporting agencies to, upon request, disclose all information in the consumer 's file at the time of the request and the sources of the information.

I Have Filed A FTC Report For The Following UNAUTHORIZED INQUIRIES!! 

Please DELETE Immediately! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

This is my second time writing to file a formal complaint regarding a XXXX Account # XXXX that has been inaccurately reported on my credit report. The presence of this unverified collection is causing severe harm to my credit score and is taking a considerable toll on my overall well-being, leading to significant stress and XXXX. To the best of my knowledge, the creditor responsible for this collection account has failed to provide proper verification of its legitimacy and accuracy. This lack of verification has led to an erroneous credit report entry that is negatively affecting my financial standing. The unjustly reported collection account has resulted in a substantial and undeserved negative impact on my credit score. Additionally, the stress and XXXX  that have arisen from this situation are affecting my overall quality of life. I firmly believe in the importance of accurate credit reporting and the duty of creditors to verify the legitimacy of their claims before reporting them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX XXXX  XXXX cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was sent a letter by Americor to settle my debt in XX/XX/XXXX. Upon having the initial phone conversation with them I was sold on them helping me get out of debt fast with low fees. The amount of fees was not told to me up front, I was told their fee was 20 %, then upon my cancelation I was told its 25 %. I canceled my account in XX/XX/XXXX and was told by Americor management that I would receive about {$2100.00} refund. When I contacted ( XXXX ) their 3rd party they informed me that I was charged a cancellation fee and I would only receive {$300.00}. I had an automatic payment processing after I closed and was told I would receive that as well as funds remaining in my account which was about {$700.00}. I have been ripped off by Americor and want to get my funds back.
Product: Debt collection

I sent a letter requesting the following information 1. Original account number 2. Original name of creditor 3. Date account was opened 4. Date of last payment 5. Amount of the original debt 6. Itemized statement showing full history of account 7. Proof of chain of title that you own the debt 8. Copy of contract with my signature guaranteeing I will pay this creditor I got no response from collection agency.
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. 

Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX Account XXXX : XXXX Account Name : XXXXXXXX XXXX XXXX  Account XXXX Account Name : XXXX XXXX XXXX XXXX  Account Number:XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or 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: Credit reporting, credit repair services, or other personal consumer reports

I am missing the following payments regarding my VA mortgage loan as well attaching screenshot regarding XXXX   once again has inaccurate information that my property has recently been in a natural disaster within the past week. I have again contacted FEMA and my homeowner 's insurance company in which they stated should not have been submitted because this is false information. They are now as well both involved since this continues showing up by the person behind the computer screen at your company intentionally adding this after each CFPB complaint that I file. 
The following months are missing on my credit report in which I have the signed and cash checks by your company : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. XX/XX/XXXX. 
I was told via tape conversations you may want to pull through your company that after forbearance. All payments would be submitted that are missing for the year XX/XX/XXXX. You now tell me that if you submit the payments you will mark them as late however I was not told they will be marked as late since XXXX XXXX misguided me at the beginning of this entire process. How am I to do as XXXX XXXX stated refinance my home when my personal bank XXXX XXXX needs to show that my credit report matches the payment history you submitted to me via email late last week there are missing payments 13 as of today with the credit bureaus. 
On one bureau report there are payments that were being reported during the forbearance. Yet on another Bureau report there are not. Regardless natural disaster is a false report an allegation that needs to be removed immediately off of XXXX   and any other Bureau at the person behind the computer screen submitted the report. I also need missing payments reported and I'm not talkin late payments because I have been miss guided through this entire process while your representative XXXX XXXX almost 18 months ago. It was your company that was an admittance that XXXX XXXX misguided me and remove me from forbearance I'm making my last payment and removing forbearance from the loan.
Product: Debt collection

I sold my house in XXXX, and realized that a debt that I had paid off years ago was still listed as a lien on my home. The title company is holding money until a release is issued in a recordable form. 

My attorney at XXXX XXXX has called repeatedly and is always told that it has been filed, will be filed, will be sent to them, and it has not been taken care of. 

Today they attempted to speak to a supervisor and was given a non-attorney XXXX XXXX who hung up on the attorneys office after she attempted to explain we have been getting the run around for months. 

The title company is holding {$12000.00} of my money for a debt that was paid off years ago. ( Blitt and Gaines Admits that it was paid off )
Product: Credit reporting or other personal consumer reports

My credit report with XXXX incorrectly shows I missed XXXX mortgage payments after my XXXX XXXXXXXX repayment plan completed. I contacted Planet Home Lending and they acknowledged the mistake. XXXX was updated and now shows the correct payment history. XXXX still shows XXXX missed payments. I have filed multiple disputes with XXXX and they have refused to correct the error.
Product: Credit reporting, credit repair services, or other personal consumer reports

Under a settlement filed today, Equifax agreed to spend up to {$420.00} XXXX to help people affected by the data breach. If you were affected by the Equifax breach, you can't file a claim just yet. That's coming. But you can sign up for FTC email alerts about the settlement at ftc.gov/XX/XX/XXXX. 

I have contacted them on numerous occasions about these Fraudulent INQUIRES and I see why they XXXX   getting sued. When people call about INQUIRES they don't do a XXXX XXXX 

XXXX XX/XX/XXXX. I didn't apply for nothing
Product: Credit reporting or other personal consumer reports

I am requesting that the accounts that have no veirification of the proof of the debt must be blocked the information was never blocked and then XXXX XXXX and equifax never responded to my request take it up with the creditor when I call the creditor they have no departments that handle the issue and they say take it with the beuros
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I have mail Transunion documents for several account that are fraudulent. This been going on forever. I have sent a FTC report, Notarized affidavits, letters from the creditors ( copys ) & police reports. Unfortunately, these accounts are still being reported to my credit report. There are a total of 5 XXXX XXXX accounts. In addition, XXXX XXXXXXXX XXXX XXXX, and XXXX. I spoke to a representative in the fraud department and the representative name XXXX told me on XXXX XXXX XXXX  that all 8 accounts were being removed. Th next day I called another representative told me that they not being removed. Unfortunately, transunion is not doing a reasonable investigation. They have all of my documents but ACT as if they dont have them and they not attaching any of the right documentation to my disputes! This been going on for several of months. They rescinded my block for whatever reason? I have not obtain and possession of good with none of these 8 accounts. I sent in a method of verification they didnt respond to it. They didnt show me any proof of how are these accounts verified and they dont belong to me. So now I am filing a complaint and a potential lawsuit against them because of these items are damaging my business. XX/XX/XXXX I have mailed more documents supporting my dispute my reference # is XXXX.
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 XX/XX/year>2023 XXXX XX/XX/year>2023 Here I attach, along with the dispute, my fraud report that I just sent to Equifax for the XXXX  time so that these questions can be removed, hoping that this time this problem will be completely resolved.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccurate information reflected on my credit report. The information appears to violate my rights under the Fair Credit Reporting Act ( FCRA ) and should be removed or corrected promptly. The FCRA mandates that only accurate, complete, and verifiable information be included in credit reports ( 15 U.S.C. 1681e ( b ) ).

1. Incorrect Accounts Several accounts listed on my credit report appear to be inaccurate, incomplete, or outdated. Under FCRA Section 1681i ( a ) ( 1 ), I am entitled to dispute information that I believe to be inaccurate, and the credit reporting agency is required to investigate the disputed information within 30 days. I have reason to believe that the following accounts do not belong to me, contain incorrect data, or should no longer be listed due to age or resolution : XXXX XXXX XXXX - Balance : {$540.00} - Account # : XXXX XXXX XXXX XXXX - Balance : {$170.00} - Account # : XXXX  XXXX XXXX - XXXX : {$7900.00} - Account # : XXXX XXXX XXXX XXXX XXXX - XXXX : {$6300.00} - Account # : XXXX As required under the FCRA, I request that these accounts be thoroughly investigated and either updated or removed from my credit report if found to be inaccurate. 

XXXX. Unwarranted Inquiries I also dispute the following credit inquiries listed on my report. Under FCRA Section 1681b ( c ), credit inquiries must be made with my permission or under circumstances where I have applied for credit. If these inquiries were not authorized by me or do not meet the requirements for a legitimate credit inquiry, they should be removed from my report : XXXXXXXX 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 Please consider this my formal request for an investigation under the FCRA. If the items mentioned above are not removed or corrected, I will seek further action, including filing complaints with the CFPB and taking legal steps to enforce my rights under the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX, XXXX XXXX, XXXX - XXXX XXXX, XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX - XXXX XXXX, XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX I reached out several times to credit bureaus and the companies to resolve the issues. After all the letters and calls they refuse to honor my demands.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed a hard inquiry pop up on my credit from XXXX XXXX XXXX in XXXX, XXXX. ND. I called the bank to resolve and customer service was requesting for my credit card number or social security number. This is fraudulent as I have not applied for ANYTHING from this bank or anything related to this bank. 

The address of their location is XXXX XXXX XXXX XXXX, XXXX XXXX, SD XXXX The phone number of their location is ( XXXX ) XXXX
Product: Credit card or prepaid card

I have two WELLS FARGO store accounts and they are incorrectly reporting that I have disputed the accounts which I HAVE NOT. The credit bureaus are telling me that every time they remove the incorrect remark from my credit report that Wells Fargo reports it again each month when they report my payments. This is absurd and this needs to stop. Wells Fargo has been found guilty of creating fake accounts, they have been found guilty of costing people a mortgage and now they are making false, unverifiable statements on my credit reports each month. I am attaching a copy of the credit report remarks as proof as well as a scanned copy of the two account cards that are verification of the accounts in question. I simply want the remarks to be removed from my account permanently and for them to not put them back on my account when they report each month. 

If they do not want to honor my request then I will have the State Attorney General to step in and investigate and I will have no choice but to sue them. This is disgraceful that they would do this to me each month and I want it to stop. 

I am paying you guys each month, you have closed the accounts so why are you trying to harm me. I am trying to get a mortgage and can not do so as long as you are putting these negative remarks on my credit report. 

1. XXXX acct XXXX ( See attachment ) XXXX 2. XXXX XXXX XXXX ( see attachment ) XXXX
Product: Student loan

I was in the income based repayment plan and am having to pay to much! I am unemployed and have been for 5 years. I am a XXXX of XXXX kids. I can not work at this time. My husband is the only person working and supporting a family of XXXX. I asked for help and was given an amount to pay back but i cant afford what they want me to pay monthly. I have not recieved any notice of when i needed to redo my loans. I hope to get some help as i am way behind in repayment.