23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Our loan was sold to Chase Home Finance on XX/XX/XXXX of XXXX from XXXX XXXX. 
After speaking with XXXX they have informed us that the funds from our XXXX payment were forwarded to Chase on XX/XX/XXXX. We have called numerous times and no one at Chase are able to find our payment or provide any resolution ( ie. ask for proof of payment ) to ensure our funds are properly posted to our account and avoid late fees beginning on XX/XX/XXXX. Our payment was made to XXXX XXXX on XX/XX/XXXX for XXXX. Our account number with Chase is XXXX We have previously filed a complaint with regards to this situation with XXXX XXXX. This is a complaint against Chase for their inability to find our payment when we had no control over if our loan gets sold. 

We have made roughly 10 phone calls between Chase and XXXX XXXX. Our time is extremely valuable and shouldn't be wasted on trying to find a resolution we have had no control over.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report again, 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 investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX Balance : {$480.00}, XXXX XXXX Balance : {$300000.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 at approximately XXXX Central Time, I received an email from Experian about a new alert on my credit report. Instead of accessing any links from the email, I went directly to the company 's website to log in for more information. 
At the member log-in screen, I entered my information. The system attempted to log me in, but instead re-routed me to a page asking if I wanted to access my free credit report. In the top right corner of this page is a link that says " Already a Member? Log In. '' I clicked this link, which brought me right back to the original member log-in page. I entered my information once again and attempted to log in. The site brought me back to the same " access my free credit report '' page. This time, I used the link to access my report. The site took me to a page where I had to enter my personal information. Upon entering all of my information, the site brings me back to the log-in screen and tells me that I already have an account. 

My account is in a constant loop, and I am completely unable to access any of my credit information, account information, or make any changes to my account due to Experian 's faulty website. I have searched each page for any other way to log in without being automatically redirected, but it will not let me. My log-in information is correct, so that is not the problem. The problem is Experian attempting to force a redirect to a faulty page. 

I have attempted to contact the company by phone. I have tried every possible option in the automated system to let me talk to a real person since the automated system can not possibly comprehend my issue. There are no available options to talk to somebody about this issue in a timely manner.
Product: Checking or savings account

I use a third party that I let access my bank account information. For my bank I use Key Bank and they have a option that lets you  turn 3rd party ac cess on and off. I have the option turned on, and have never had issue till about a month ago. I talked to my bank and they said there 's nothing they can do. I 've been doing this for a year now with no issues and now all of a sudden I have a problem. It causes a major hassle for my finances every month. All I would like them to do is look into the issue but they wo n't.
Product: Debt collection

Currently in litigation with a lawsuit filed back in XXXX of 2023 with a property management company that broke landlord tenant laws, and Health Department Laws. Also city is an involved and violations codes are in record. Summons and complaint on file with XXXX XXXX XXXX XXXX. Property management company still sent me to collections even though we are in current litigation. I have contacted my attorney.
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. 

Account name : XXXX XXXX Account Number XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXXunt Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX  Account Name : XXXX XXXX XXXX Account XXXX : XXXX Account Number : XXXX Account Name : 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 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

On XX/XX/XXXX, I sent a certified mail to Equifax to update the inaccurate and derogatory payment history on my credit report. I provided supporting documentation from the creditor, XXXX XXXX that the delinquencies ( 3 ) have been removed from my account. 

After numerous telephone calls and follow-ups, As of XX/XX/2020 which is in excess of 90 days, Equifax has failed to update and report this information accurately as required by the FCRA.
Product: Credit reporting or other personal consumer reports

I do not recognize these inquiries and here 's a copy of my fct report and i would like them to be removed.
Product: Credit reporting or other personal consumer reports

Please remove the following Fraudulent hard inquiries from my credit report : The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX Here I attach, along with the dispute, my fraud report that I just sent to Experian for the second time so that these questions can be removed, hoping that this time this problem will be completely resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent in notarized and certified mail to credit bureau in regards to incorrect information on my credit file. there are accounts that have been close since XXXX and is still report on my file and was update from some XXXX collection agency in whom I have not went into contract with
Product: Vehicle loan or lease

On XX/XX/XXXX I went into XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
I got a XXXX XXXX XXXX XXXX XXXX I put XXXX dollars on it.. the bi weekly payment is XXXX. The interest on this car comes to XXXXXXXX XXXX as well. Bridgecrest is where the loan comes from. XXXX and Bridgecrest have the same XXXX XXXX XXXX XXXX.After doing some research I found that their practices are illegal. So I sent a few items dated XX/XX/XXXX XXXX affidavit of truth. Stating that I know that thier practices of car loans is illegal. Because they know people won't be able to pay them off with such high interest 2. A cease and desist letter stating that they must give me back my down payment and the money I put on the car or I will sue them after XXXX XXXX. 
3. I sent receipts is payments made plus the {$3500.00} first payments The total payments are {$11000.00} I notarized them as well. 
They sent a letter basically saying that I have to pay the car or give it back. 
I'm trying to see if I have a leg to stand on under consumer law .... 
Can I apply any of these laws?
Product: Debt collection

I have disputed this account as it is not mine. I have not applied to this company and asked what information is there to show it is my debt. Where were these funds deposited?
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 USA 1681. The accounts below have violated mi rights. 15 u.s.e 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 tem of information, other than records of convictions of crimes which antedates the report by more than seven ycars. 15 U.S.C 1681s-2 ( A ) ( a ) A person shall not furish 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 inaceurate. 
Delete the accounts below : XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/2023 I opened an additional savings account with Upgrade.com and funded the savings account wit {$3500.00}. On the same day, I received an email from Upgrade.com that my checking, and savings ' accounts were suspended due to suspicious activity and that I needed to email them if this was an error. I went online ( https : //www.upgrade.com/portal/login ) to check the accounts on the app and it stated that the accounts were suspended due to suspicious activity and that I needed to call Upgrade to unlock the account.

I called Upgrade and asked them firstly why my accounts were suspended, they said that they could not disclose that information because the system flagged the account for suspicious activity. Then I asked them how I could unlock the accounts, and they said I need to email my identification and a selfie of myself holding a note on top of my head with my checking account number on the note and to call them afterwards. I did the needful and called them. They told me that they needed to call me on the number on file with my account for additional and final verification. They called me and asked to confirm that I am the account holder. I had to answer information about my account to complete the verification. After that process was done, the agent stated that the accounts would be unlocked.

After 2 days, I checked the bank accounts online and they were still suspended. I called Upgrade to find out why the were not unlocked, and they said that the account was flagged with suspicious activity. I told them that I spoke to an agent prior and went through the verification process to remove the suspension and the the agent ( who I spoke to the 2 days prior ) said the lock would be lifted. The current agent said that they would email me communication about the account being locked. I asked them to speak to a manager.

They put the manager on the line and the manager apologized and said that the agent I spoke to prior should not have told me that the account would be unlocked because the accounts are still being reviewed. I asked the manager why the account was suspended and the manager said they cant say, I then asked the manager how long the review would take and the manager said they couldnt say but they put a note to escalate the issue.

At this point I don't know why my accounts are being locked and the institution is not being clear on the way forward with releasing my funds.
Product: Money transfer, virtual currency, or money service

No Right to contract, or right to credit for principal benefit
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX, expect to be completed promptly and in full compliance with the Fair Credit Reporting Act ( FCRA ) and related laws : 1. Immediate Deletion of Inaccurate Information Remove all incorrect personal information, including the addresses at XXXX XXXX XXXX XXXX XXXX, XXXX, SC XXXX and XXXX XXXX XXXX XXXX XXXX, XXXX, SC XXXX XXXX from my credit report in accordance with 15 U.S.C. 1681c.

Delete the accounts and inquiries associated with XXXX, XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX unless they can be fully validated as required by 15 U.S.C. 1692g.

2. Validation of Debt Under 15 U.S.C. 1692g, provide proper validation of the disputed debts, including original contracts, agreements, or judgments bearing my signature. Without such validation, these items must be removed from my credit report immediately.

3. Correction of Reporting Practices Ensure that all unauthorized hard inquiries, including the one from XXXX XXXX XXXX, are deleted as they violate the permissible purposes outlined in 15 U.S.C. 1681b.

Rectify or remove records of " late payments '' that were inaccurately reported and not properly defined, as per 15 U.S.C. 1681s-2 ( a ) ( 1 ).

4. Consumer Rights Compliance Notify me of my right to opt out of sharing my personal information, as required by 15 U.S.C. 1681a ( d ) ( 2 ) ( A ).

Immediately cease sharing any debt-related information with third-party credit reporting agencies, ensuring compliance with 15 U.S.C. 1692c ( b ).

5. Financial Remedies Compensate me {$1000.00} per instance of willful noncompliance under 15 U.S.C. 1681n, for the distress and harm caused by inaccurate reporting and failure to adhere to statutory requirements.

6. Confirmation and Accountability Provide written confirmation that all requested deletions, corrections, and validations have been completed.

Send me an updated and accurate copy of my credit report reflecting these corrections.

7. Commitment to Preventative Measures Revise your procedures to prevent future violations of the FCRA and the Fair Debt Collection Practices Act ( FDCPA ) to ensure no consumer endures the harm I have experienced. 
I, XXXX XXXX, expect these actions to be completed within 30 days, as mandated by 15 U.S.C. 1681i for credit dispute resolution. Failure to address these issues will leave me with no choice but to pursue legal remedies for the damages caused by your noncompliance.
Product: Credit reporting

My score was XXXX then turned to XXXX sudenly XXXX month ago and I pay my bills in time
Product: Credit reporting or other personal consumer reports

Case number XXXX Case numer XXXX Case number XXXX Case number XXXX Case number XXXX Case number XXXX The case numbers in question are reporting on my Experian credit report. This is an inaccuracy. These are these do not belong to me and they should not be reporting under the federal credit reporting act section.15 usb 1681 b
Product: Credit card

There where Fraud on XXXX ( XXXX ) Credit Cards ; XXXX which was never activated by myself. 
XXXX XXXX XXXX Issued By Bank of New York and No. Pin requested or Card receivedCard No. XXXX BNY Mellon Florida for the sum of XXXX ( card No.was obtain through XXXX Fraud Dept. Activated XX/XX/2015Shell Fuel Rewards Card No. XXXX XXXX XXXXCard No. XXXX Never Activated in My Possession at the time usedCard used XXXX/XXXX/2015 thru XXXX/XXXX/2015 For the sum of XXXX XXXX Issued By XXXX XXXX Card No. XXXX XXXX XXXX XXXX in my possession. Card Used on XX/XX/2015 For the sum of XXXX Total XXXX
Product: Mortgage

I changed homeowner insurance and uploaded the declarations page of my new policy to Wells Fargo on XX/XX/2022, I additionally had the insurance agent fax the declarations to Wells Fargo. I received confirmation from Wells Fargo that they recieved the policy. Wells Fargo has failed to recognize the policy and as of XX/XX/2022, sent additional mail saying they had no policy on file and that they would purchase a policy on my behalf with no acknowledgement of my existing policy. I uploaded the declarations page again again on XX/XX/2022 and called a representative who confirmed receiving it on both XX/XX/2022 and XX/XX/2022. I am submitting this claim in case Wells Fargo continues to purchase frivolous policies on my behalf.
Product: Credit reporting or other personal consumer reports

It's been multiple dates. I submitted a dispute and when I went back to check the addresses where still there. I would retry and they are still there. I've disputed charges that I never made or credit cards that I never applied for and they are still requiring that I pay the amount due. I've never lived at certain address but they still have me living there.
Product: Credit reporting or other personal consumer reports

Name : XXXX XXXX Social Security : XXXX Date Of Birth : XX/XX/XXXXXXXX  Address : XXXXXXXX XXXX XXXX XXXXXXXX XXXX KY XXXX TransUnion , Equifax & Experian ( URGENT MATTER ) XX/XX/XXXX I intend to challenge a dispute with a FTC report for the items listed below as Fraudulent. Please remove all from my credit report. 
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.

Items listed above, have 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 seven years. 15 U.S.C. 1681s-2 ( AN ( 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. 
Remove Non mailing fraudulent addresses listed below : XXXXXXXX XXXX XXXX XXXX, KY XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX Remove Unauthorized Fraudulent Accounts Listed Below : FCRA Law - XXXX ( XXXX ) Opened XXXX XXXX, XXXX, Credit Card Remove Unauthorized Fraudulent Inquiries Listed Below : FCRA Law XXXX XXXX XXXX  XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX FCRA Law Statement : If the above accounts can not be verified, they must be removed immediately according to FCRA Section 609 & 611. If your company fails to comply, you will be required to appear in a court venue. Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have over 35 inquiries on my credit report since XX/XX/2020, I have sent over several certified letters to all three credit bureaus to remove the unauthorized inquiries that are not account holding. I have not received any response from the credit bureaus or creditors. Lastly, there is a fraud alert on my XXXX report since XX/XX/2020. and has never been contacted about any inquiry unless it is tied to an open account
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX inaccurate information
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is showing 1 account in collection that does not belong to me. I have asked 3 times to get it removed but they dont ablige. 
The collection account is from XXXX  reported by XXXX. Equifax has reported back that there is no such account, but its tight there.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 

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

A letter was sent via US mail to RMP LLC ( XXXX XXXX XXXX ) requesting validation of debt. They responded with medical records, a DIRECT violation of HlPPA. Not only did these documents have procedures and/or medications received it also contained my social security number with NO security measure taken. I never signed a HIPAA form authorizing access to any such medical records.
Product: Student loan

My private student loan came due in XXXX of XXXX. At that time I was unable to make the roughly {$300.00} payment. I chatted with Sallie Mae and asked if there were possibly any repayment options available to me ( this was before the due date ) and they had told me my only option was to go into forbearrance. I did that and that pushed the payment out until XX/XX/XXXX and interest was still compounded in that time. Once again the payment comes due in XXXX and once again there is no money in my budget to pay the now due loan payment. ( Currently in my budget it's the choice of eating or paying my student loans, to put things into perspective. ) I chat again with them and make them aware of my situation to find out that they now offer re-payment options after interest has already compounded in the forebearrance time. I was appaled to say the least, since that's the exact lawsuit XXXX is going through. They provide me contact information to submit a Hardships application, which I tried multiple times to get ahold of that department and every attempt I have been able to make, they are too busy taking other calls/chats and I have record of that as well. All in this time they are harassing my SO and I with calls and emails about making a payment. Sallie Mae needs to be sued along with XXXX as they are doing the same deceptive practices and this can not go on any longer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX am a victim of identity theft