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

I am being told by chase JP MORGAN that the derogatory issues on my account will not be romoved as they said it would be in XXXX after the late payments. I explained I had XXXX during this time and they said they would ensure it was not listed as late. Trying to get house refinanced. I found out that CHASE JP MORGAN intentionally reported the derogatory remarks and refuses to remove it. I am XXXX at XXXX and Chase JP MORGAN wants to keep my fico score low so they can charge more money for interest rates. As a XXXX white male I feel I am Chase JP MORGAN is doing this to further handicap me. Today I spoke with XXXX who specifically said NO CHASE WILL NOT REMOVE THE LATE MARKS ON MY CREDIT REPORT. when I brought up the XXXX XXXX cares act every employee acted as if they were not concerned of the federal government. In fact one employee said they were larger thean the government that they will do what they want. Later A lady XXXX at XXXX with Chase JP MORGAN who wanted to argue the fact I acciddently registered a claim in my wifes name. They knew who the complaint was from but was calling wanting the claim pulled because as she alured to is that it makes them look bad. I am not asking for anything no other credit card company has done in the past, which is submit a bisput to the agencys to remove the derogatory statement. If I was not handicap/disabled I feel CHASE JP MORGAN would treat me differently.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XX/XX/year> Unauthorized inquiries Due to Fraud My information may have been impacted by the EquifaxXXXX XXXX XXXX XXXX XXXX XXXX and XXXX have got into the hands of the wrong person Under The Doctrine of Estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I may presume that no proof of the alleged debt, nor therefore any such debt, in facts exists
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

1. 
XXXX Date of inquiry : XX/XX/year> XXXX. 
XXXX XXXX Account XXXX : XXXX XXXX. 
XXXX Account XXXX : XXXX XXXX. 
XXXX XXXX  Account Number : XXXX XXXX. 
XXXX XXXX Account XXXX : XXXX XXXX. 
XXXX XXXX  Account XXXX : XXXX XXXX. 
XXXX XXXX  Account Number : XXXX Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello my name is XXXX XXXX and I have been reaching out to all XXXX credit bureau 's via mail trying to resolve this debilitating issue for the past XXXX XXXX to no available. I have been disputing this/these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of XXXX XXXX XXXX XXXX ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/XXXX XXXX XXXX XXXX
Product: Debt collection

I received services at XXXX XXXX XXXX XXXX back in XXXX. 

I applied for financial assistance XX/XX/XXXX with office Manager. XXXX was approved and paid at XXXX XXXX 

XX/XX/XXXX I received an alert that my credit score dropped XXXX points because of XXXX accounts placed by XXXX XXXX for XXXX plus. I contacted them and let them know debt was not owed they told me they have no documentation showing that it was. I called XXXX XXXX and they stated debt was sent to collections in error. XX/XX/XXXX XXXX spoke with representative XXXX at Professional Finance and communicated debt was not owed. On XX/XX/XXXX I called Professional Finance and a representative named XXXX stated debt was still open as unpaid. Which is incorrect. I asked for validation and was sent a bill that was paid in full from year XXXX. 
Debt is not owed and should of never been sent to collections or put on my credit. The errors are interfering with business such as risk for closure of credit cards and applying for a new place to live due to low credit rating. I want debt removed from all XXXX Credit Bureaus.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, my husband went to purchase a sensor from an individual on XXXX. The guy selling it asked that my husband pay via Venmo by Paypal. We have used Paypal for years and have a level of comfort with it, knowing that they back their transactions and don't allow fraud. We have no compliants with Paypal. 

Apparently Venmo is the exact opposite. They allow scammers to conduct business with no consequences through their app. The individual selling the sensor stole {$430.00} from us and never shipped the sensor we purchased. We gave him a month to send it. We then requested our money back from him directly, which he never responded to until after we reached out to Venmo directly to resolve this. He declined to send the money back with no explanation. We asked our bank to report this as an unauthorized transaction, and they were unable to do so since it was Venmo for some reason. 

We then reached out to Venmo directly. They " investigated '' the transaction and basically said that we shouldn't pay people we don't know. They said that they don't offer any mediation or compensation because the user 's transaction was in violation of their User Agreement. Basically the only time they will recover funds from a user is when Venmo is out the money, NOT the consumer. They say that they have addressed this with the user, yet the user is still active to transact with other consumers. 

The Venmo user has re-listed his item on XXXX  to scam the next person into doing the same thing. 

Venmo did not remediate the issue, nor did we receive any sort of reimbursement for the stolen funds.
Product: Credit reporting or other personal consumer reports

This bureau continues to publish addresses thats not mines and versions of my name thats not mine. Then, this bureau uses the addresses to verify fraudulent accounts thats not mine.
Product: Mortgage

They hold checks for 2-8 weeks before depositing and clearing my bank
Product: Money transfer, virtual currency, or money service

I was the victim of an extortion and blackmail scam where the hacker was using pictures of me and my family to get money from me. I had no choice but to send the remaining {$260.00} in my account to this person. This saved me and my family a lot of trouble. I am filing this claim the morning after and have called Bank of America in which they can not dispute the charge and get the money back into my account. I have never had any problems like this and this is ridiculous I had no choice but to send the money. I have provided photos of what has happened.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and deleted from erroneous reporting in my file are listed on my credit report : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently pulled my credit report on XX/XX/XXXX and seen some unauthorized hard inquiries I contacted the companies personally but letter and yet gotten a response so I called after 30 days and a employee caught an attitude with me and told me to reach out to the credit bureau and hung up on me. I contacted XXXX and Equifax and they yet have deleted it and XXXX says its verified but yet sent proof.. I just need these unauthorized inquiries removed asap its been over 2 months XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have two accounts on my credit report XXXX XXXXXXXX and XXXX  that are reporting inaccurately they both are showing past due balances and they are open. According to the fcar I have a right to an accurate credit report. There in violation
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 Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX and 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 or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Transunion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint.

I am filing this FTC Identity Theft Affidavit to report three fraudulent accounts appearing on my consumer FICO Transunion credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of an Auto Loan opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, a Student Loan opened at XXXX XXXX XXXX XX/XX/XXXX under account number XXXX, and another Student Loan opened at XXXX XXXX XXXX XX/XX/XXXX XXXX account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws. Remove Hard inquiries from XXXX XXXX XXXX XX/XX/XXXX, and XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX 

These accounts have resulted in several fraudulent chargeoffs, fraudulent late payments, and fraudulent collections appearing on my consumer FICO credit report. I do not recognize the aforementioned accounts, collections, late payments, or chargeoffs as reported. The aforementioned accounts, collections, and chargeoffs appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, late payments, and charge-offs are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I demand that the aforementioned fraudulent items be removed from my consumer credit report and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.
Product: Credit reporting or other personal consumer reports

Filing a complaint to report inaccuracies on my credit report 15 U.S.C ss 1681i : Failure to conduct a proper reinvestigation after I disputed the inaccurate information. 15 U.S.C ss 1681s-2 : Responsibility of the furnished of information to report accurate data. 15 U.S.C ss 1681e ( b ) : Failure of the credit reporting agency to ensure maximum possible accuracy of the information, which caused significant financial harm and distress. The errors involve incorrect dates and amounts which affect my credit score and financial standing. I request assistance in investigating
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the 3 credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX on XX/XX/scrub>/2021 and XX/XX/XXXX opened on XX/XX/year>2021. I do not recognize the aforementioned accounts, collections, or charged off accounts. The aforementioned accounts, collections, and charge off appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and charge off are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and charge off are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

Words cant begin to express my frustration with Equifax. Ive sent multiple letters NOTARIZED, Certified, with copies of id and social security requesting validation. However, rather to responding to my concern, the company sent another letter saying their unable to locate my credit file, and to send the supporting documents for indentification purposes. EVENTHOUGH, as mentioned it was sent with the letter requesting validation. Equifax is deliberately using stall tactics and ignoring my rights for a fair investigation as a consumer. This isnt fair
Product: Credit reporting, credit repair services, or other personal consumer reports

Below the following inquiries were pulled without my knowledge : 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

I have never given any Consent to This open any Account with XXXX  I never open an account with XXXX Nor XXXX resource this account is fraud and i want it off my Credit Thank you
Product: Credit reporting, credit repair services, 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 confidentiality under 15 USC 1681. Account name : Dept of EdXXXX XXXX XXXX Account # XXXX, 15 U.S.C 1681 Section 602A. States i have the right to privacy 15 15 USC 1681 Section 604A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c Section ( a ) ( 5 ) Section states no consumer reporting agency may make any consumer report containing any of the following item 's 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 1681 ( s-2 ) ( A ) ( 1 ) A person shall not furnish any information relating to consumer to any consumer reporting agency if the person knows or has reasonable cause to believe the information is inaccurate
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 Account Number:XXXX Account Name : XXXX XXXX XXXX  Account Number:XXXX Account Name : XXXX XXXX XXXX Account Number:XXXX  Account Name : XXXX Account Number:XXXX Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX XXXX Account Number: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: Credit reporting, credit repair services, or other personal consumer reports

O WHOM IT MAY CONCERN : Hello m name is XXXX XXXX and iI am writing to delete the following information in m file. The items I need deleted are listed in the report. 
I am a victim of identit theft and did not make the charge. I ask that the items be deleted to correct m credit report. I reported the theft of m identit to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identit Theft Affidavit. Please delete the items as soon as possible Baed, 15 U.S. Cde 1681c2 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 
I ha bee 30 da ad ae VIOLATION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

Company - NAVIENT Last payment made {$1200.00} ( Settled amount ) - XX/XX/2018 Navient is still reporting a high balance amount - {$5000.00} NAVIENT Continues to report my account as delinquent even after the loan has been settled to {$1200.00} and paid in full 2018.
Product: Debt collection

XXXX XXXX is claiming I owed them and sold the debt to a collector who has refused to respond to certified mail regarding this debt. I do not owe XXXX any money, I was out of contract when I cancelled my plan with them in XXXX, I believe XXXX or XXXX, I would have to check my records further to confirm the year.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX. XXXX XXXX account, # XXXX XXXX. XXXX XXXX XXXX account, # XXXX XXXX. DEPT OF ED/XXXX  account, # XXXX XXXX. XXXX XXXX account, # XXXX XXXX. XXXX  XXXX XXXX account, # XXXX XXXX XXXX XXXX XXXX  account, # XXXX has violated my rights. 

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
Product: Student loan

I submitted a IDR renewal request in late XXXX and was notified by the loan servicer ( Nelnet ) on XX/XX/XXXX that they had received the request. I followed-up with a call to make sure everything was in order. I then received a letter the first week of XXXX ( dated XX/XX/XXXX ) that they needed additional information to process the request. However, when I called to speak to customer service, they said I needed to fill out the IDR request again and that there was no record that they had received ( despite having sent me an email confirming receipt of that request ). Given the loss of documentation and delays on their end, I doubt they will be able to resolve this before the XXXX deadline ( and I will thus fall out of the IDR payment plan and have to reapply ).
Product: Bank account or service

I was told there was an issue with my account, then I am told to visit the branch, I had visited the branch and the banker there gave me the number to the fraud department. The fraud department told me to go to the branch. So I am done with dance. I would like my account closed now and my funds mailed to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Last year the account ending in XXXX was closed and then reopened in 2023 which was authorized by the consumer, XXXX XXXX. In XXXX of 2023 the XXXX XXXX XXXX  XXXX Account ending in XXXX was reinstated in full and consumer, XXXX XXXX has full access to the spending account. XXXX XXXX contacted XXXX XXXX Bank in XXXX to request the corrected status of " open '', be reported to the bureaus. XXXX XXXX Bank agreed to correct the status on the credit XXXX account being reported to reflect the accurate " XXXX '' status. XXXX challenged the XXXX  XXXX XXXX  account ending in XXXX with Transunion and XXXX demanding that the account data that was furnished meet FCRA requirements. XXXX provided the XXXX billing statement that proved the account was open and XXXX XXXX is now reported the account as " closed '' providing false information to the credit bureaus. In the report, I am including the XXXX XXXX XXXX XXXX the investigation as well as sending over the XXXX billing statement proving the account status is " XXXX '', with transactions from card ending in XXXX XXXX XXXX has falsified information causing consumer to incur putative damages to credit report score. XXXX is now seeking legal action along with acceptable direction from a credit attorney.
Product: Credit reporting, credit repair services, or other personal consumer reports

During The coronavirus pandemic there was a n agreement to have my mortgage statement and credit card be on deferment. My credit card was establish to not report. I have had the credit card for seven years I have never been late. There was a late was reported. Its inaccurate, I tried to get it removed and they are refusing to do so .... my mortgage statement was placed but not my credit card. I have since signed for auto pay and take my inaccurate reporting serious. They have also removed late payments in the past for other clients, this is unfair.
Product: Consumer Loan

In XX/XX/XXXX I purchased a XXXX XXXX XXXX through XXXX XXXX XXXX and obtained financing through United Auto Credit. After countless repairs and mechanical issues with the truck, I attempted to trade it in. At that point I was informed that the vehicle was only worth a few thousand dollars due to being deemed a total loss. 
Not only was the truck salvaged, but it included airbag deployment. 
I contacted United Auto Credit in XX/XX/XXXX regarding this issue and confirmed they they do not finance salvaged vehicles. After a lengthy conversation with XXXX of the superviosrs I forwarded them the supporting documents. The contract was entered into under terms that are fraudulent. Which voids the contract entirely. I put down XXXX on a vehicle that was sold to me for XXXX. I 've also invested a year worth of payments into something with no equity at this point. I 've continued to contact them regarding the lien release that needs to be sent so that I can move out of this vehicle but have gotten no where. I was advised that the account is with the Fraud dept, with no results. I also spoke with dealer compliance who was supposed to contact me and has n't. I do n't want this to impact my credit and I do n't feel like I should continue making payments on a cpontract that has been voided out.