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

My wife and I returned a lease to XXXX XXXX in XXXX back in XX/XX/2020. We have documentation of the lease return. Almost 6 months later, a tow truck showed up at my mother-in-laws home attempting to repossess the same vehicle. We found out that XXXX never processed the lease return, and that JP Morgan Chase was attempting to collect the debt or the vehicle. We contacted the bank right away to let them know we were no longer in possession of the car, and that we had documentation to prove wed returned the vehicle well within the allotted time. The bank notified us that it mustve been a failure on the dealerships end to file the necessary paperwork. We were told the negative effects to my wifes credit would be reversed, and to allow 30 days for the changes to reflect. We were also advised to contact XXXX and ask about the whereabouts of the vehicle and why the lease return was never processed. After multiple attempts to speak to a manager on the phone and being told that the managers were busy, we went to the dealership in person and asked to speak to the manager. We were told to wait and eventually someone approached us to see how they could help. We explained the situation and provided our documentation, and were eventually informed that XXXX was in fact in possession of the vehicle in question, and that XXXX ( another XXXX entity? ) had failed to collect the car. When we countered that it had been XXXX XXXX responsibility to inform the bank of the lease return so theyd stop charging us, we were simply told something mustve fallen through the cracks and that they would commence the lease return process now ( almost 6 month later ). We realized once we got to the car and looked at the gentlemans card that we hadnt even spoken to a manager, but a sales associate. It has now been 48 days, and my wifes credit summary still reflects the situation, claiming she failed to make car payments. Naturally, her credit score is very poor as a result. She has always been the type to pay everything on time, and had an excellent credit score before this incident. We would love any help or legal consultation on how to proceed with this matter.
Product: Credit reporting or other personal consumer reports

A creditor 's decision to " charge off '' an account does not change the date it must be removed from your credit report. Thus, charged-off accounts may be reported for seven years from the first delinquency, not from the date of the charge-off. 


XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX Charge Off Date : XX/XX/XXXX Date of First Delinquency " XX/XX/XXXX '' see attached
Product: Credit reporting or other personal consumer reports

I have been told by my bank that they can not open any additional accounts for me because Chexsystems has some sort of fraud alert, freeze, or fraud indicator on my Chexsystems report. I have called Chexsystems are requested they remove any alerts, freezes, indicators or anything else that alerts a bank that I am a victim of fraud and each time I've called they tell me there are no alerts or freezes to remove. I went to my other bank to inquire and they pulled my Chexsystems report as if I were opening a new account and they too told me that they wouldn't be able to because they can't verify my identity because of Chexsystems. Multiple banks are not wrong, this is a problem with something Chexsystems is reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, called XXXX spoke with XXXX in Fraud Department saying received letter on XX/XX/XXXX for same dispute reasons with XXXX XXXX and nothing done. Letter for 2nd request sent XX/XX/XXXX certified mail from USPS and XXXX says not received. Told XXXX that it was sent certified on XX/XX/XXXX ( see enclosed proof and documents ) and it has been over 2 weeks ago and yet " nothing has been done '' again! Informed XXXX at XXXX that I will complain to CFPB today on XX/XX/XXXX. 

Furthermore, the Credit Bureaus, XXXX and Equifax never did and failed to do a proper Investigation according to FCRA.

The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he/she is acquainted or who may have knowledge concerning any such items of information. 

They did not do this! 

Also, they have violated my rights even more.

In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. 

The Credit Bureaus stated my account was properly investigated but how is that possible if the account type date, high credit, credit limit, last reported, date last active, date last payment and reporting history ( see enclosed report pulled XX/XX/XXXX vs. prior XX/XX/XXXX reported ) still show the same incorrect and inaccurate information!!!! This is grounds for REMOVAL!

They also violated the law because according to, 15 U.S.C 1681 section 602 A. States I have the right to privacy which was violated.

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 which was violated.
15 U.S.C. 1681 Section 611 ( 2 ) ( a ) : The law clearly states the credit bureaus have 5 days to notify me from when they receive my disputes.

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.

They also violated my rights under 15 USC 1681 Section 611 ( 5 ) ( a ) ( I ) ( III ). The law clearly states that if items are found inaccurate or can not be verified the consumer reporting shall promptly delete the information from the file of the consumer. 

Also, XXXX took more than 30 days to complete my investigation, so here is attached proof of my certified mail tracking # XXXX from USPS and enclosed.
Product: Credit reporting or other personal consumer reports

This complaint is not sent in error. My credit report has some false and not XXXX % accurate Information. This inaccurate information is causing undue stress and is affecting me negatively.
Product: Debt collection

I received a letter saying I owed a debt to XXXX XXXX services for a car loan for XXXX I am guessing that the car loan gave the to a law office by the name of Stephen Einstein & associates P.C XXXX, NY XXXX XXXX On XX/XX/2016 I received a letter stating that the creditor no longer was pursuing the debt without prejudice. so I no longer was thinking about this matter. On XX/XX/2016 I received another notice stating that the law firm was now pursing me again for this debt without any explanation I am very confused as to what to do about this matter.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX Requested On : XX/XX/XXXX & XX/XX/XXXX Individual ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OR XXXX XXXX XXXXXXXX XXXX  XXXX XXXX via XXXX XXXX XXXX XXXX Requested On : XX/XX/XXXX Individual ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX via XXXX Requested On : XX/XX/XXXX & XX/XX/XXXX Individual ( XXXX ) XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX Requested On : XX/XX/XXXX Individual ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX XXXX XXXX Requested On : XX/XX/XXXX & XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SD XXXX XXXX XXXXXXXX Request On : XX/XX/XXXX Individual ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX via XXXX XXXX Requested On : XX/XX/XXXX Individual ( XXXX ) XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX TX XXXX XXXX XXXX Requested On : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX has violated my rights. 

15 USC 1681 Section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 states a consumer reporting agency can not furnish an account without my written instructions.
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 : : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting

Equifax has verified / updated informationn on XXXX credit report pertaining to multiple inaccurate late payments after account was charged off closed. I have sent portion of XXXX credit report. 
Inaccurate information has been verified / updated. 
The creditor states that Equifax is responsible for the inaccurate differences which should all be deleted. 
Inaccurate and injurious on my credit report.
Product: Credit reporting or other personal consumer reports

I was stunned to see that inaccurate accounts suddenly appeared on my credit report this morning, and I have no idea how or why theyre there. I always check my credit report regularly, but this time, there were shocking discrepancies that seemed to come out of nowhere. I even tried refreshing my browser, thinking it might just be a glitch, but the wrong accounts didnt disappear. Now, Im left deeply concerned and asking that the documents Ive sent be thoroughly reviewed so I can finally have peace of mind.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding zelles handling of disputes, particularly in light of the recent cfpb lawsuit highlighting significant issues with the platform. Despite using zelle numerous times and reporting discrepancies, my financial institution failed to investigate my claims inadequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The cfpb 's findings indicate that zelle not only failed to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scam. This lack of accountability and transparency is unacceptable and raises serious concerns about consumers safety.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccurate information on my credit report due to my recent victimization by human trafficking. I have identified several accounts and/or pieces of information on my credit report that are incorrect and were not authorized by me. 
XXXX XXXX XXXX Balance : {$10000.00} XXXX  XXXX Balance : {$640.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$290.00} XXXX XXXXXXXX Balance : {$160.00} XXXX XXXX XXXX XXXX Balance : {$2800.00} XXXXXXXX XXXX XXXX Balance : {$11000.00} XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX
Product: Credit card

My credit card issuer illegally and/or incompliantly allowed an unauthorized and unknown person to change the only mailing address I had on their records to an unauthorized mailing address of a fraudster without my authorization nor knowledge. An obvious breach of ethics and illegal under the Fair Credit and Reporting Act of 1960. When I contacted this credit card organization, they canceled the account number they had on record and opened a new account number and apparently mailed that new card on to the attention of the unauthorized person who illegally had my mailing address changed to where they were living. This unauthorized person then made charges that were added to this new account amounting to over {$9400.00}.

I understand that a fraudster can obtain my Social Security Number due to the recent hack on the Governments websites but that does not explain how this fraudster got a hold of my account information from this credit card company. Something just doesn't look right!
Product: Mortgage

My Mortgage Bank is : Ocwen Loan Servicing LLc I was offered application Modification I sent the application back and THEY RECEIVED THE PAYMENTS I WAS TOLD, but after that, they started to refusing payment, my credit is getting very bad and when I called last time after several timer per week and i Got    XXXX    out, finally, this person told me that this bank will take my home and i have nothing to do, I told him thaT I 'll find if I have the right to fight and get my home but he said they have the best lawyers and if do n't have plenty money he would n't recommend me to fight because any ways I have everything to loose.  Im  very DEPRESS and I do n't know if I should keep living or not because I work to hard for my home and now instead of getting a modification with government help that they mentioned to me, I ENDED UP LOOSING MY HOME.   NOW IS THE THIRD TIME THEY AGAIN SEND ME APPLICATION AND I NEED TO KNOW IF THIS TIME  3TH  IS GOING SERIOUS BECAUSE I 'M VERY FRUSTRATED, EVERY TIME THEY SEND ME APPLICATION FOR LOAN MODIFICATION, THEY IGNORE MY APPLICATION WHEN I RETURN IT AND THAN THEY MAKE UP HISTORIES JUST TO GIVE ME HARD TIME AND SAID THAT THEY DO N'T RECEIVE SOME PAPERS THAT I FAX, MAIL AND EVEN E-MAIL TO THEM I REALLY NEED HELP AND ASK THEM TO TAKE MY TIME AND CONVERSATIONS WITH THEM IN SERIOUS BECAUSE THEY TOLD ME ONE THING AND THEY DO OTHER VERY DIFFERENT
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX account number XXXX shows Pay Status Charged Off but still showing a balance and a past due amount. 
Kohl 's account number XXXX shows Pay Status was Charged Off, but still showing a balance and a past due amount. XXXX account number XXXX shows Pay Status Charged Off but also still showing a balance and a past due amount. 

How can there be a balance and a past due amount on these accounts when they were Charged Off?
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 3. Validate Account XXXX Account XXXX : XXXX Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

After previous complaint on improper inquiry on my credit report, a new account has been opened.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
XXXX XXXX XXXX Balance : {$280.00} XXXX XXXXXXXX Balance : {$20000.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} This will be my follow-up to ensure that the accounts are validated.
Product: Credit reporting or other personal consumer reports

I notified the credit bureaus about accounts that are reporting on my credit report that are not right. Their initial investigation did not correct the issue. I asked them to provide me with the information they used to verify the information but they did not provide the information. I checked my credit reports today and nothing has changed. I have sent them more than enough info to resolve the issue and they have done nothing.
Product: Credit reporting or other personal consumer reports

These companies violated my rights to privacy and have not shown me proof of the original agreement and has negative items on my credit report. I gave no permission to or signed any contracts for.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE FOLLOWING CREDITOR IS REPORTING ON MY CREDIT WHICH IS IN VIOLATION OF MY RIGHTS AND FDCRA. I DO NOT HAVE A SIGNED CONTRACT OR OWE ANY DEBT OR HAVE RECEIVED NOTICES OR PROOF OF ANY TYPE OF AGREEMENT. THEY ARE REPORTING A FAKE PAYMENT HISTORY, OPEN/CLOSED DATES, AND ALL OTHER LOAN DETAILS.ARE FALSE. 

CREDITOR : XXXX XXXX XXXX Experian XXXX Account Number XXXX Account Status Closed Account Type Installment Account Type Detail Installment Account Balance - Bureau Code Individual Credit Limit - Date Last Active - XX/XX/XXXX XX/XX/XXXX Date Last Payment - XX/XX/XXXX XX/XX/XXXX Date Opened - XX/XX/XXXX XX/XX/XXXX High Credit - {$12000.00} {$12000.00} Last Reported - XX/XX/XXXX XX/XX/XXXX Month Term - XXXX 36 Monthly Payment - Past Due - Payment Status Collection/Chargeoff Comments- Transferred to another lender. Account charged to profit and loss Charged off account
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with 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 Account number : XXXX CCS//First Saving Bank Account number : XXXX XXXX Bank Account Number : XXXX Premier Bank Account XXXX Account Number : XXXX XXXX Progress Account Number : XXXX XXXX Account Number : XXXX Credit XXXX Bank Account XXXX Cash XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX. Has violated my rights. 

15 USC 1681 section 602 A. States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681c ( a ) ( 5 ) Section States : No consumer reporting agency may make a consumer report containing any of the following information. Any other adverse item of information, other than convictions of crime which antedates the report by more than XXXX years. 
15 USC 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

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXXXXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I have an account with XXXX who still show open with a balance and was send to collection without my knowledge. I want this issue to be fixed immediately. I want the collection to be remove in the time manner. I start received calls from collections agency about the debt that I will not know why in collection.
Product: Credit card or prepaid card

This concerns credit card company Capital One. I have two credit cards with them, both of which they are charging 19.5 % interest on the balances owed. Concerned about reduced income from COVID19 I proactively called them on XX/XX/20 and requested a reduction or suspension of interest accrual for a period of time so that more of the payment I can make can go to paying off the balance versus paying interest. After talking with 3 different people ( Original CSR, their manager and the manager above the manager ) they refused to do anything to help during this crisis. They did not offer to lower the interest rate or defer accrual, they did not offer any no penalty skip a payment option. 

I have called all companies I owe money to and most of these have been quite helpful and proactive in response to the pressures from the economic slowdown of COVID19.  Some have lowered interest rates, some offered no penalty skip a payment option, some have offered the ability to transfer the debt to a lower interest option. This has not been the case with Capital One, who as of today, refuses to do anything to help. 

This is frustrating for a few reasons : first, the costs for any financial company to offer consumer credit are extremely low right now because of the Fed action to lower the prime rate. Second, the position they are taking will only exacerbate the economic meltdown, force people to declare bankruptcy, ruin credit scores that drive the  economy, etc. We all need to come together as a country and do our parts however we can.
Product: Checking or savings account

In XX/XX/XXXX, I flew to the United States to open a personal checking account. I was able to do it at SunTrust Bank ( now Truist Bank ). Everything ran smooth ( all transactions ) during that year until XXXX XXXX. Suddenly in XX/XX/XXXX, out of nowhere Truist Bank blocked my account, also restricted my access to online banking without even explaining what was going on. I called several Truist customer service numbers ( XXXX ) ( XXXX ) and the hold was for hours. Calling those numbers is a real nightmare. I spent 2 months ( XXXX & XXXX ) calling and nobody was able to explain why the bank had inactivated my account. Finally after months of calling, waiting for hours, a service agent told me to call a different number ( XXXX ) Fraud related!. At least the waiting time in this new number was lesser. All the Bank told me was that my account was under investigation and that I had to wait for the investigation to end. Meanwhile I dind't receive any calls, emails explaining the process or at least providing me with a contact person. This month ( XXXX ) I was surprised when I called again, the service representative told me that the Bank closed my account and the Balance today was cero {$0.00}. When the Bank inactivated my account in XX/XX/XXXX, my last balance statement was {$14000.00}
Product: Credit reporting or other personal consumer reports

My 5 Federal student loans were forgiven in FULL effective XX/XX/year> ( according to their email, which I have attached ), however XXXX ( my processor ) continues to actively report a past due balance on my credit report for each loan, which is negatively impacting me financially.
Product: Checking or savings account

Bank of America, an old checking account has put " suspected fraud activity " on my account and closed the account. I do not do fraud, I have no clue how to do fraud, and neither do I want to do fraud. Someone has hacked into my bank account and did whatever it is that they did. Which I have no clue what they did. I did not take any money from anyone. It stated on the report the charge off amount is {$8600.00}. I have no clue who did it nor do I want any parts of it. I am a hard working mom of XXXX and I am in college for XXXX XXXX. I need to open up checking accounts for my children and I and I can not due to the fact that whoever did whatever to my account. I am very genuine and very honest. I would not ever do that. Once again I have no clue how that happened. Please, I am begging you to help me fix that issue.