23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I am utterly dismayed by the recent credit report I received! This situation is completely intolerable. It is profoundly disappointing that your company permits such glaring inaccuracies to persist, resulting in substantial harm to individuals ' lives and reputations. Despite numerous letters sent to your company concerning these erroneous accounts, it appears that Experian credit bureau has neglected to take appropriate measures and continues to report them. I am at a loss as to where you sourced the following accounts. 
XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. 

I urgently insist on the immediate removal of these accounts. These oversights on your part are causing me considerable financial distress. Failure to comply will force me to take legal action against both the bureau and the responsible entities. This is not merely a request but a firm demand for adherence to the law and justice for the impacted consumer. Thank you for your prompt attention to this pressing matter.
Product: Credit reporting 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 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 adverse item of information, other than records of convictions 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.

I will attach a copy of my credit report showing inconsistent / inaccurate information throughout my credit report. 

Account Name ( XXXX ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Because of the inconsistent and inaccurate information reported on my credit report I can not purchase a house for me and my family, I can not buy a new car to help me travel to and from work or appointments, and/or I can not apply for credit cards. The inconsistency of items throughout my credit report have to be accurate, timely, and consistent. I have filed reports with Identity Theft.gov, XXXX, and numerous other agencies regarding Experian, XXXX, and XXXX. I have asked for investigators names and have not received the information from either credit bureau regarding the items on my credit report. 

Delete all items above from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit report and noticed late payments on accounts that I was never late on and some charge offs. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the FAIR CREDIT REPORTING ACT clearly states. 
I have never been late on payments and did not provide written consent to report the account : XXXX acct. XXXX XXXX XXXX XXXX aact. XXXX XXXX XXXX acct XXXX XXXXXXXX please investigate and provide proof with statements showing that these payments were late and proof that I authorized the reporting of this information. IF PROOF CAN NOT BE PROVIDED I demand these payments to be updated to on time as they should be as I was never late. Pursuant to 15 USC 1681 congressional purpose, talks about equity and fairness.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX account # XXXX opened XX/XX/XXXX. 

XXXX XXXX account # XXXX opened XX/XX/XXXX 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 debt, in fact therefore exists.
Product: Credit reporting or other personal consumer reports

I would like to dispute these inaccurate accounts on my credit report. 

XXXX : XXXX Date of inquiry : XX/XX/XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX  XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX. 
XXXX  Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX Account Number : XXXX Experian : XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX  XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Account Number : XXXX XXXX : XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX  XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  XXXX  Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Account Number : XXXX XXXX  XXXX Account Number : XXXX
Product: Credit card

We use Chase as our banking partner for our small business. Our industry has a few times per year where we are required to make large purchases and will not receive the product for several months. 

We were looking for a banking solution that would help with this situation. I set up an appointment and personally went into my local branch in XXXX California to discuss our situation with a banking professional. As a small business we rely on the expertise of our banking partners. 

After discussing the need for a line of credit or other type of banking solution, the representative told me that their " Flex '' credit card would be a perfect solution. At no time did the representative tell me that the amount on the card was due in full at the end of every month. This is the absolute opposite of what we needed. 

After our first purchase, we noticed that the full $ XXXX was due in full on the first bill. I reached out to Chase to discuss the error and see what we could do to resolve this issue. Every person I spoke with at Chase said there was no other solution then pay in full. 

In turn, since we could not make this payment, they closed the account along with our other account that was in good standing. On top of this they reported this to the credit bureaus causing my XXXX credit score to drop to a XXXX. 

The actions and negligence of Chase will bankrupt our business. The attitude from the Chase representatives is simply, it was all in the fine print in the terms and conditions. This is incredibly misleading. If I had gone through their website and picked out a card on my own, I would assume liability for the terms and conditions since I picked it myself. When sitting in front of a banking representative and relying on their expertise it should be their role to outline the details of the card they are suggesting for you as a solution. 

This behavior is predatory business practices. 

I pleaded with Chase to figure out any other solution to pay this amount back to them. All I wanted to do is pay them their money in any way besides in full. They refused.
Product: Credit reporting or other personal consumer reports

I trust this correspondence finds you in good health. I am writing to bring to your attention a troubling discrepancy within my credit report concerning late payments associated with my accounts. Upon meticulous review of my report, I have identified instances where late payments have been inaccurately recorded, adversely affecting my credit standing. Upon contacting the company linked to these accounts, they acknowledged a fault on their part. They have committed to rectifying the error by updating and amending my accounts to accurately reflect my payment history. They attributed these inaccuracies to a system glitch that led to the erroneous reporting of late payments. It is perplexing to me that while other credit bureaus have already rectified the status of these accounts, your bureau continues to report these late payments. This disparity in reporting raises doubts regarding the verification protocols employed by your bureau to ensure the precision of reported information. So please UPDATE and CORRECT the accounts below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Given the remnants of the financial crisis as it affected the housing market, I fell behind on mortgage payments on a property that I own. The property was purchased in XXXX and we moved out in XXXX. Prior to moving, the property was listed for sale but with no offers it was converted to a rental. As we were unable to sell the property we rented it. In XX/XX/XXXX our renters gave notice that they wouldnt renew the lease. The house was vacant and put on the market again for sale. I carried the mortgage payments on this property as well as my primary residence both with mortgages from Wells Fargo. While I fell behind on payments on the rental property mortgage I was not 30 days late. I finally got Wells Fargo to agree to a payment arrangement after several unsuccessful tries. By the arrangement I agreed to pay the past due amount over 3 months in addition to the regular monthly mortgage payments. It was my expectation that Wells Fargo would not report late payments during this period. Just to be clear, when I entered agreement I was not 30 days late and had never been. The arrangement actually created the 30 day lates that were reported by Wells Fargo in XXXX and XX/XX/XXXX. Had I known that this would have harmed my credit I would have taken a loan for the past due money instead of basically accepting an agreement that hurt my credit. Wells Fargo claims they indicated theyd report me as late. I dont recall this and again would not have entered into this agreement if the terms of the reporting were indeed actually clear. Also, my spouse is on this mortgage and Wells Fargo never got a spousal agreement as to this arrangement which has hurt both of our credits.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XX/XX/2018 Not my account Delete it immediately Account : XXXX XXXX XXXX XXXX Not my account Delete it immediately Account : XXXX XXXX XXXX XXXX Not my account Delete it immediately Account : XXXX XXXX XXXX Not my account Delete it immediately Account : XXXX XXXX   ( Original Creditor : 08 XXXX XXXX XXXX ) XXXX This account is not mine Delete it immediately Account : XXXX XXXX This account is not mine Delete it immediately Account : XXXX XXXX XXXX This account is not mine Delete it immediately Inquiries : XXXX XXXX I did not authorize Delete it  immediately XXXX XXXX I did not authorize Delete it immediately XXXX XXXX I did not authorize Delete it immediately XXXX/XXXX I did not authorize Delete it immediately XXXX XXXX I did not authorize Delete it immediately XXXX I did not authorize Delete it immediately XXXX XXXX I did not authorize Delete it immediately
Product: Prepaid card

We received a gift card for AMEX. Upon trying to use the gift card for an online purchase, it stated that the card had a low balance and was unable to be used. The card has never been used and the purchase amount was less than the amount that should be loaded on the card. 
Again, we tried using the card for smaller purchases to test if it would work and it was once again denied for insufficient funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Experian Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the bureau, as willful negligence and non-compliance with federal statutes. Please DELETE the following accounts completely from my Credit Reports : XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

BofA submitted, to the credit bureau incorrect info. During my refi process they tried to foreclose om me and they accused me of being late, when in fact I never missed a payment. I just did not pay the new amount which was more than I could afford, thus the reason for the refi. this process took over 2 years. Everytime I called my personal point of contact they had changed that person and I had to begin the process all over again. I need resolve here. They are affecting my ability to get credit. Account number ending in XXXX
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 and confidentiality under 15 USC 1681. 
1 ) XXXX  XXXX BANK, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX BANK ; XXXX XXXX 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 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 XXXX 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: Checking or savings account

I have a checking account with Chime my son has XXXX funds coming from SSI on the first of the month Im always receiving his funding like the XXXX of the month from Chime this past month I didnt receive his funds. I reach out to SSI office to make use that it was deposited in the correct account the office told me Yes. Once again I reach out to Chime of course they dont have anyone to speak it is always a computer operator Im very upset because my son needs his money for his needs.
Product: Debt collection

XXXX XXXX has sold a closed account XXXX to I.C systems , INC and now they are saying my account is flagged 15USC1681section 602A right to privacy 15USC1681section 604Asection 2 it also states consumer reporting agency can not furnish a account without written instructions 15USC 1681c.a5 states no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse items of information other then records or convictions of crimes with atendates the report by more then 7 years 15 USC 1681.-2a1 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 in accurate
Product: Credit card or prepaid card

On XXXX I received an email from Capital One bank that my credit card payment was due. I did not knowingly have a credit card with Capital One. I had never applied for XXXX. I did have several savings accounts with that bank. I called them and the bank agreed to investigate why the account had been opened in my name. 

They sent me a letter saying that fraud was involved. I am concerned because I had frozen my credit report with all XXXX credit rating agencies some years ago. I don't understand how Capital One could have accepted an application for a credit card when my credit report accounts were frozen.
Product: Mortgage

Nationstar has " retailed '' against me after the conculsion of my first complaint. ( XXXX by once again unilaterally changing the terms and condition of my 30 year fixed mortgage by increasing my monthly payment and making sure my statement does not reach Pennsylvania until XXXX XXXX or the XXXX of the month. Now they are calling me twice a day every day even on Sunday. 

This all began with the very first payment I made to Nationstar when I paid my {$1200.00} payment and they unilaterally deducted {$40.00} for an escrow account in which my mortgage did NOT require such action ; this was on XXXX XXXX, 2013. Even after many letters they stopped the escrow account they " never '' re-calculated my Principal and Interest and therefore I never received proper credit and the fees began. In addition the Court ruled you could not " force place '' flood insuance ( sent them a copy of the Court 's decision ) - guess what Nationstar ignored the decision and forced placed flood insurance on me - they truly believe they are above the law. 

Even after I filed with Cfpb they submitted the same letter to Cfpb they sent to me none of the letters addressed the issue as I outlined and the fact the knew nothing would happen to them with me filing the complaint. When I looked at Cfpb 's web site there are pages and pages against Nationstar, I will keep submitting complaints and maybe just maybe the Federal Trade Commission will begin an investigation if they have not already done so. 

I have each and every document since XXXX 2013 this is XXXX of the reasons they double-talk in their responses. I even asked them to have a face to face with me nothing happened.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting my account late for payments in 2019. I have not been late on my car loan in 2019. There was one incident where I had a typo on the information on their website and I called them to correct it and no one was able the verify the inputted data so I reentered it. There has been times in the past where XXXX got double payments because I thought the info was incorrect and resubmitted because they stalled on debiting the payment. XXXX XXXX needs to update my credit report immediately. I am not late for XXXX   because it has not been 30 days past XX/XX/XXXX which is my payment due date which is current. I paid them for XXXX. I want my account information updated with all the credit reporting agencies immediately. It is a huge disservice to me as their customer to have to go through this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've provided my drivers license as well as my social to the Equifax Credit bureau. I have received several response letters requesting my ID and Social. I've mailed it in several times and now I am worried that someone has my personal information and is able to use it. If I have mailed it to Equifax over 6 times since the month of XXXX, why are they still requesting it? I have also uploaded it here to this website on a complaint. What is going on?
Product: Credit reporting or other personal consumer reports

CFPB, I have disputed these accounts many of times though your portal. I have asked Transunion, to verify these accounts accuracy. Every single time they have came back verified which it's impossible to come back verified. If Transunion, verified this accounts as accurate. I need to see there method of verification on how they are reporting a collection with a past due balance on these accounts? If they can not provide this information. Please delete immediately. XXXX Bank # XXXX, XXXX XXXX # XXXX, XXXX XXXXXXXX # XXXX, XXXXXXXX XXXX # XXXX, XXXX Bank XXXX # XXXX, XXXX XXXX # XXXX, XXXX  # XXXX.
Product: Debt collection

My husband had a bill from XXXX hit his credit this year on XXXX XXXX  We received no letter of warning about this bill. It just went straight to collections. My husband only knew about this bill because his XXXX report gave him a warning that that his credit dropped by XXXXXXXX XXXX  We always pay our bills on time. We also shouldn't have a bill for the service date due to a settlement that was paid out for a car accident my husband was in. I spoke with XXXX XXXX XXXX XXXX XXXX XXXX  ) and they do not have the information about this bill. The only bill they could see was from XXXX XXXX. They told me that they have been switching systems from another billing system and it could be weeks before this new department has the information. When I first got this news about my credit, I called them right away and they said the same thing. That they got a new system and were not able to look up bills prior to XXXX. I honestly believe they are trying to double bill us on a settlement or there is a huge error with their billing department. This drop in our credit without a way to resolve it is ruining our opportunity to buy a house and for me to gain employment in my industry.