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

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MA XXXX DOB : XXXX SSN : XXXX XX/XX/XXXX Experian Remove the following accuracies found on my credit report : Remove XXXX XXXX XXXX Account XXXX due to inaccuracy in dates of last payment. 
Disputes Dates of Last Payment/Opened/of First Delinquency/Billing/Closed. 

Remove XXXX XXXX XXXX Account XXXX for inaccurate information. 
Claims inaccurate information. 

Stop reporting this account XXXX XXXX XXXX, Account XXXX due to true identity fraud. 

Remove XXXX XXXX a.k.a. XXXX, Account XXXX due to inaccuracy in dates of last payment. 
Disputes Dates of Last Payment/Opened/of First Delinquency/Billing/Closed. 

Remove XXXX XXXX a.k.a. XXXX, Account XXXX for inaccurate information. 
Claims inaccurate information. 

Stop reporting this account XXXX XXXX a.k.a. XXXX, Account XXXX due to true identity fraud. 

The description of the procedure used to determine the accuracy and completeness of the information has never been reported to me even after numerous disputes and requests. 

Name, address, and telephone number of each person contacted regarding this alleged account was never reported to me even after numerous disputes and requests. 

A copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed was never reported to me even after numerous disputes and requests. 

Please remove these accounts expeditiously! 

Send me a new credit report reflecting these changes.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are numerous addresses on my credit report. I never gave consent to have my address shared. Especially not my current address. It does not say the name of the entity that placed the address there. I would like all of them removed because they were provided without my consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX I received an alert from credit karma stating that my XXXX XXXXXXXX account had been deleting from reporting, today I received another alert that it had been reinserted into my equifax credit file in which I have not been informed 5 days prior to reinserting 15 USC 1691i ( B ) requirements relating to reinsertion of previously deleted material. My consumer protected rights have been violated on multiple occasions and I do not understand why. Please discharge this account information from your books as it is prohibited to share transaction history 15 USC 1681b ( 2 ) ( I ) exclusions in reporting containing information solely as to transactions or experiences between the consumer and the person making the report. This company has not not provided an official affidavit of debt, proof of ownership also known as the chain of custody, nor the full accounting records public and private in accordance to GAAP ( General accepted accounting principles ). In order for a contract to be enforceable provide the key elements of a contract law including full disclosure with XXXX XXXX equal consideration, lawful terms and conditions along with the signature of both parties, please be advised an authorized representative does not make the contract enforceable.
Product: Vehicle loan or lease

am i still responsible on the loan when i did not have the car over 30 days, car been in dealership on a recall
Product: Credit reporting or other personal consumer reports

INACCURACIES!!! NOT DUPLICATES!
Product: Mortgage

I recently financed a home purchase through JP Morgan Chase, Home Lending, and the bank caused me to not only miss the closing date by over 2 weeks, but also the contractual financing contingency date, which caused me to break the contract and be liable to the seller. Chase had 2 months between having an accepted offer and closing on the property, and were not able to deliver. This caused me the loss of rental income as the property is a duplex and half occupied, as well as caused me to rent the owner occupied half back from the seller in order for the seller to extend closing another 15 days. Ultimately, the bank took 2.5 months to close on my mortgage, and I had provided all necessary documentation within 24 hours of requests. 
Chase advertises a " Closing Guarantee '' on its website, which I am fully eligible for compensation of {$1000.00} for not closing within 21 days. Chase has declined my claim arguing the 21 day timeline is based on when the lending adviser decided to forward my file to underwriting, something not disclosed in the terms and conditions on its website. Furthermore, the hold up to send my file to underwriting was 100 % Chase 's fault, as acknowledged by the lending adviser via email. Chase had 2 months to get closing done, and decided to send my file to underwriting only days before the original closing date, allowing them to stay under 21 days as they define the deadline.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Innovis on several occasions regarding inaccurate information on my credit report and they have failed to properly investigate and validate the information on my consumer report.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX 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 XXXX XXXX on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX on XX/XX/XXXX under the account number XXXX, a personal loan account opened at XXXX on XX/XX/XXXX under the account number XXXX, and a collections account opened at XXXX XXXX on XX/XX/XXXX with a balance of {$0.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX . These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an account showing on mine and my husband 's report that is not correct. It's XXXX XXXX XXXX XXXX. We have disputed it with the bureaus and it still hasn't been resolved. They are showing the account charged off many years ago but has a balance of {$220.00} and a past due balance of {$1100.00} how in the world is that possible? There was no investigation otherwise this thing would be lined up.
Product: Debt collection

ASG calling to collect a debt from XXXX. I am not this person, i dont know them, and am the unfortunate person to get this cell phone number after. I have informed the company that I am not the person they are skip tracing. They have been calling this phone number for 3 years. They continue to call.
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention unauthorized inquiries on my credit profile that have recently come to my notice. After carefully reviewing my credit report, I have identified these inquiries as unauthorized and would like to request their removal.
Product: Checking or savings account

on XX/XX/XXXX I called Wells Fargo to close my checking and savings account. at this time I was informed that I owed {$67.00} before they would close my account. on this same date I transfer the amount in question to cover the {$67.00}. I closed this account because they have a practice of charging overdraft fees without my consent and or knowledge. after reviewing my checking account I discovered that Wells Fargo charged overdraft fees 5 times, without my approval. When I brought this up with the agent ( while closing the account ), she very rudely told me, it was the policy to cover overdraft funds and charge fees without informing me. this is frustrating, it is XX/XX/XXXX and they continue to charge more overdraft fees ( after I called to close the account ). when I called they say that they can not close the account until I pay the added overdraft fees. 

This is abuse, I am a XXXXXXXX XXXX XXXXt limited budget and do not have the funds to pay these fraudulent fees. 

Here are the dates of overdraft fees ( YTD ), XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX.
Product: Checking or savings account

XXXX XXXX  currently has a checking account # : XXXX open in my name. The checking account is a fraudulent checking account thats not my checking account. I never opened the checking account. The checking account dont belong to me. I want XXXX XXXX  to immediately close the checking account and online banking access to the checking account thats currently in my name. The checking account dont belong to me.
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. [ XXXX XXXX XXXX XXXX XXXX XXXX ], [ XXXX  Account # 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 card

I booked a room with XXXX on XX/XX/XXXX. The room that I added to my cart and received confirmation that I was receiving was a double bed suite . When I called to confirm with the hotel the following morning, they stated that the third party company booked a King suite with one bed and it could not be modified by them as it was booked by a third party. I specifically booked the double bed room because it was being shared with a coworker. I contacted the sites customer service number where they told me I wouldnt receive a refund. I informed them that I would have my cc holder dispute the charge if they did not correct the room. They did nothing and I was left to rebook on another site paying even more money. I contacted Capital one and they stated I had to wait for the charge to hit the account as it was still pending. On XX/XX/XXXX I contacted Capital one when they opened the dispute. They informed me I would have to wait until the merchant responded before I would need to provide documents. I received a letter the first week of XXXX stating I needed to submit documents as XXXX stated my charge was legit even though they did not book me a double bed room per the confirmation page. I submitted all reasoning and emails as well as call logs showing that I had been in contact with the company and the hotel directly trying to get the matter resolved and XXXX did nothing. I reported the issue to the FTC who told me to report it to Capital one, what transpired with XXXX was bait and switch tactic. After submitting my documents on XX/XX/XXXX. I received a letter that the matter was considered a legit charge. I contacted Capital one and when a supervisor reviewed everything she stated that it was concluded that way because the dispute type was inaccurate. She told me to change the type from unauthorized transaction, to product or service not received or as described. I did just that and submitted all the documents she stated as well. I then received another letter a week later stating that the dispute was closed due to not receiving requested documents. I contacted capital one yet again. They stated they needed a letter from the Hotel that verifys the type of room that was booked. I had to reach out to the driver, and beg him to go to the location as everyone on the phone stated that was something only front desk could assist with. I got the letter and sent it in. I heard nothing back. I contacted capital one once again they then stated they needed a clearer copy of the original receipts I sent that in on XX/XX/XXXX. For every document that I sent Capital one they then requested another document. Until now, I receive a letter stating the time frame for this dispute has now passed. I have spent over XXXX hours on the phone with Capital one since this matter began and accrued over {$190.00} in international phone charges and not once did they state anything about a deadline neither did they provide me with the correct documents needed at the beginning to correct this matter.
Product: Vehicle loan or lease

On XX/XX/XXXX I went to XXXX in XXXX California. XXXX XXXX XXXX XXXX XXXX. XXXX, CA,XXXX. I brought in my fully paid off XXXX XXXX. I wanted to trade it for a car that was much less expensive on insurance since the XXXX being a luxury vehicle I was paying XXXX $ a month and I could no longer afford that. XXXX offered me XXXX $ I accepted. The same day I found a XXXX XXXX XXXX that wa 's a little less then XXXX . XXXX gave me a check back for the remaining posture equity I still had. One day my car was gone. It was repossessed. XXXX lied and said there was a loan .which there never was one never needed one never talked about one nor is it any where on all of my credit reports. I believe the car they sold me was a car someone traded in that still owed money on and they didn't know untill it was too late so they manipulated the contact saying " I asked for money back and took a loan on the rest '' WHICH IS NOT TRUE NOR DOES IT SHOW UP IN ANY OF MY CREDIT REPORTS.XXXX  have scammed me out of XXXX $ and my car. I have sent them the proof and go in and they lie and say they will help me and never do.Please please please help!
Product: Mortgage

Ocwen mortgage company is denying me a loan modification based on their claim that I do n't live at my home at XXXX XXXX XXXX XXXX XXXX. Massachusetts. On XXXX XXXX, Ocwen received XXXX utility bills, a bank statement and a credit card statement with the correct address on those items as proof, yet I 've received nothing for over a month from them about this! I want to know why they are ( allowed ) to deny my request to modify my loan citing that I do n't live at my home as their reason to deny my loan! I live here at XXXX XXXX XXXX and this denial has been going on for over a year and a half now. I am looking have the foreclosure sale date of XXXX XXXX, extended to XXXX or XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX ** TN Child support Account # XXXX ** XXXX  Account # 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 1006.34 Notice for validation of debts : States a debt collector must provide a consumer with the validation information required by 1006.34 ( c ) either by sending the consumer a validation notice in the manner required by 1006.42, or by providing the information orally in the debt collectors initial communication.
Product: Credit reporting or other personal consumer reports

XXXX XXXX. 

First off show me a contact I signed with XXXXXXXX XXXX.does not exist!! 

Secondthe loan status is being reported as charge off when there is not one late or missing payment Third XXXX XXXX XXXX breached this contract on XXXX XXXX XXXX Fourth were are all the payments I made ontime? Why are they no longer showing Fifth..being reported I have 100 % of this loan left to pay. Incorrect Sixth.Equifax.every month Im filling a new complaint about the same creditor who still is not reporting anything correct. EQUIFAX YOU ARE RESPONSIBLE FOR CORRECT AND ACCURATE REPORTING! THIS IS NOT CORRECT NOR ACCURATE!! You are to delete immediately!!! FCRA VIOLATION 611!!

Seventh.EQUIFAXdelete this account immediately!! I should not be continually harried by you!! YES YOU EQUIFAX!! FCRA VIOLATION 607!!

Eighth..XXXX  FCRA VIOLATION 623!! Liability of the creditor for accuract annd complete information supplied to credit agency!!
Product: Mortgage

I have been in foreclosure since 2008 on my home mortgage ... The mortgage holder is Bank of America , National Association, and the mortgage servicers XXXX ... I fell behind due to financial hardships, the economy and personal hardships ... I was put in active foreclosure and worked diligently to get a loan modification ... I was given a forbearance agreement and lived to the terms/conditions of the agreement by making XXXX consecutive payments on time ... I was not given a loan modification as I was told I would have to pay the full amount due in arrears which I could not do at the time ... I continued to try and work on a loan modification and continued to pay the monthly payments on time -- -some were cashed, some returned ... I finally had to put myself into Chapter XXXX bankruptcy to stop the sale of my house ... while in bankruptcy the mortgage holder sent to the courts a note completely different from the note they produced in my foreclosure case -- XXXX separate and disctinct notes with different signatures ... I discharged myself from bankruptcy and continued to pay my mortgage on time and have for the past three years ... I am afraid the mortgage company will start the sale process again as I have continued to send them information they request ( as I have at least ten additional times in the past ) and I do not foresee them granting a loan modification ... XXXX XXXX claims I do not fit into their mold for a loan modification ... XXXX
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXXXXXX, XXXX XXXX, XXXX & XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in 60 days to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX, XXXX XXXX, XXXX & XXXX Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports XXXX
Product: Credit card or prepaid card

Merchant took exceptionally long time to process and credit a return for me. The balance reporting on CAP ONE/NEIMAN MARCUS card ending in XXXX should reflect a XXXX balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to state that this is complaint is from the Actual Consumer XXXX XXXX and not a third party of any kind. I looked at my EQUIFAX credit report recently and found some inaccurate reporting on my credit report. I wrote EQUIFAX a letter on XX/XX/2022 to try to get this inaccurate information deleted from my credit report since it is hurting my credit profile and costing me money in higher interest rates. XXXX is not taking these inaccuracies on my credit report seriously and they are taking my rights for granted, Please assist with account name : INQUIRY - XXXX - XXXX  - XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX I have never been late on this account. please correct inaccuracies in payment history... Attached is the letter i wrote to EQUIFAX in an attempt to dispute this inaccurate information. i have attached my drivers license as proof of Identity and my phone and internet bill as proof of address so there are no questions about my identity.
Product: Student loan

XXXX shows balance paid, closed and {$0.00} and XXXX showing paid, Closed as of XX/XX/23