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

I am writing to formally dispute the bankruptcy entry listed on my Experian credit report under the court name " XXXX XXXXXXXX CT IL XXXX '' with the reference number XXXX. The report lists this as a public record from the United States Bankruptcy Court in the XXXX XXXX XXXX Illinois ( XXXX XXXX ). However, this information is inaccurate and should be removed immediately. 

Details of the Disputed Entry : Court Name : XXXX XXXX CT IL XXXX Court Address XXXX XXXX XXXX - XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX Type of Record : Bankruptcy Reference Number : XXXX Report Number : XXXX The United States Bankruptcy Court has clearly stated that it does not report any information to credit bureaus. According to a letter from the court system, the court is not responsible for verifying or validating information on consumers credit reports and does not furnish such information to credit reporting agencies. Therefore, this bankruptcy entry is inaccurate and unverifiable. 

Additionally, the credit report contains an address associated with this bankruptcy that is incorrect. The address listed is : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX, IL XXXX. 

I have never lived at this address nor used it on any applications. I request that you provide proof of me ever living at this address and having reported it in connection with any credit-related activity. Reporting inaccurate information violates the Fair Credit Reporting Act ( FCRA ). 

Supporting Information : In accordance with the FCRA, credit reporting agencies are required to ensure that the information they report is both accurate and verifiable. The bankruptcy entry in question does not meet this standard since it was not directly reported by the court and appears due to inaccurate public record retrieval. Additionally, the incorrect address associated with the record further demonstrates the inaccuracy of this information. As such, both the bankruptcy entry and the incorrect address should be removed from my credit report. 

Furthermore, the FCRA ( 15 U.S.C. 1681c ) limits the reporting of bankruptcy cases to no more than 10 years from the date of filing. Although my primary concern is the accuracy of this entry, it is essential to note that credit reporting agencies must comply with these time limitations. 

Requested Action : Given that the court has confirmed it does not report this information, and considering the incorrect address associated with the bankruptcy, I respectfully request that Experian immediately remove this inaccurate bankruptcy entry and associated address from my credit report. 

Please review the information provided and notify me of the results of your investigation. I expect this matter to be resolved promptly, in accordance with the FCRA, to ensure my credit report accurately reflects my financial history. 

I appreciate your attention to this matter. Please provide confirmation once the erroneous entry and address have been removed from my credit report.
Product: Credit reporting or other personal consumer reports

XXXX XXXX  reported false information about a overdraft account .This account was repeatedly charge overdraft fees serval time by XXXX XXXX now this account is reporting to chexsystem for XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of fraud pursuant to 15 usc 1601 and 15 usc 1692. I have been misrepresented in matters stemming to damages from XXXX XXXX XXXX mailing address XXXX XXXX XXXX XXXX XXXX ; XXXX, Michigan XXXX they have placed an unauthorized inquiry on my Equifax credit report I would like them to contact the bureau to have it removed effectively immediately and cease communications on behalf because they do not have permission nor have they ever and as for XXXX XXXX  Delaware the same federal law is applicable as well as the instructions to remove the inquiry with the credit bureau and cease communications on my behalf their mailing address is XXXX XXXX XXXX XXXX, DE XXXX.
Product: Student loan

I have XXXX federal loans, XXXX XXXX XXXX loans and XXXX Navient loans. My payment with Navient, alone, is {$480.00}. I have contacted them on numerous occasions in an effort to have this payment lowered. I have other student loans I am making payments on besides this. My father is the co-signer. After numerous conversations and providing them with the requested financial information, I was told the payment could not be reduced because my father had excellent credit. Navient told me that my father is responsible for the note as much as I am. I do not agree with this. That is not the role of the co-signer. The co-signer pays the note if I am unable to. But if they would reduce the payment to a reasonable amount, I could pay the note myself. Right now, my father is helping me pay the note so that our credit will not be affected. However, he is the only bread winner in his family, he has XXXX children of his own and is supporting his XXXX step-children with no child support from their father. So he is really not in a position to make payments. And why is this decision based on his credit score. That does not mean he is able to make payments. The Navient people are rude and extremely difficult to deal with. I had no problem getting the federal loans reduced but not so much with Navient.
Product: Credit reporting or other personal consumer reports

I filed a complaint with CFPB regarding Equifax on XX/XX/XXXXXXXX  ID XXXX. They responded XX/XX/XXXX, and I am not satisfied with the way they handled my case. They spent an inordinate amount of time telling me what they can't consider, and little or no time telling me why they lowered my score XXXX  points. I wanted them to tell me exactly why they lowered my score and what reasoning they used to justify it. They didn't do any of that, so I'm going to give them another chance.
Product: Checking or savings account

Hello, on XXXX I was attending my sisters wedding and reception in XXXX, IL. During the reception I received a chase fraud text alert for the amount of {$150.00} at XXXX, i immediately responded NO to it and my card was cancelled, I then check my chase app and realize that payments before that went through : XXXX for {$150.00} for XXXX XXXX XXXX XXXX IN XXXX XXXX for {$150.00} XXXX # XXXX XXXX IN XXXX XXXX for {$150.00} at XXXX # XXXX XXXX IN and {$150.00} for XXXX # XXXX Colombus IN. 
The following day I called Chase and since the payments were made electronically I had to make a new log in for the Chase app. 
XXXX Chase sent me a letter stating charges were authorized. I called Chase multiple times and was informed to submit proof that I did not make those purchases, any proof I could that could not place me in IN that night, I sent in pics from the reception, text or the fraud text alert, pic of my XXXXXXXX XXXX history On XXXX I was informed that the charges were found to be authorized and the claim cant be re opened without additional proof. 

I have no other proof at the point to send in, Im frustrated and feel like theres nothing I can do after being a victim of fraud.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and Experian are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies XXXX and Experian do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, Experian, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and Experian are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : XXXXDate of Inquiry XX/XX/2021 XXXXDate of Inquiry XX/XX/2021
Product: Debt collection

I received a notice from Oliver Adjustment Company , Inc that I owed a XXXX XXXX XXXX SC {$15.00}. I have never been to this location, I have never had an appointment there, I have looked through all of my appointments on my health care app and none are tied to this company. Oliver Adjustment Company states on their website that they are for " healthcare professionals '' and " pro fee healthcare collection specialists, '' but do not at all appear to be legitimate or professional. 

Their statement says they are located in the state, but their website domain ( .bz ) looks to be from another country and the site itself does not feel secure or professional. Plus the po box they want me to send payment to is on the other side of the state compared to their office locations if you XXXX the company. I tried to call to dispute my claim during their regular business hours, and they would not answer the call. The call booted me off and asked for a voicemail with more than 30minutes left to go for their business day, after having waited to speak with a representative. Their only other options to dispute is to pay to send a letter back, or use their website which authorizes them to use my information that I give them freely. 

If Oliver Adjustment Company was a legitimate business, then I would assume they would help collect for other reputable businesses. Instead, they claim people have debt for companies like XXXXXXXX XXXX XXXX whose reviews are riddled with the same issue I have ; illegitimate billing practices for procedures that were never rendered or were already paid for. 

The original bill was supposedly from XX/XX/2022. I have no appointments during that time period. All of my healthcare procedures for the year of XXXX were paid for. My healthcare app states all of my bills were paid, and my health insurance also has the matching information including my out of pocket maximum being reached so at the very least, if they were a third party, XXXX XXXXXXXX XXXXXXXX would have had to bill my insurance or the healthcare provider that asked for their services because I have already paid for all of my services. I have received no bills or late charges for any of my medical procedures. My credit report does not state that I have any accounts with XXXX XXXXXXXX XXXX 

I invite you to look into either company and their reviews and see how many claims are made against them for being fraudulent or harassing for debt that should not exist whether because it was paid or because the procedure never happened.
Product: Bank account or service

JP Morgan Chase Bank has legally stolen the money that my mother put into UTMA trusts for her grandchildren. 
My mother, XXXX XXXX XXXX, opened UTMA and annuity accounts at JPM Chase for her grandchildren and contributed regularly. When we learned she got XXXX, we immediately went to our local branch to request paperwork to transfer the custodian of record for all of those accounts to her children, XXXX XXXX. XXXX and myself, who are the parents of her grandchildren. I took pictures of her signing the paperwork, and submitted those to JPM Chase Bank. 
After she died on XX/XX/2008, we learned that JPM Chase had FAILED to provide all of the paperwork. They only gave us papers for the annuity accounts, not the UTMA accounts, even though I made it very clear at the time what we wanted to do and why. The banker who gave us the incomplete paperwork is no longer with JPM Chase. The lawyer fees we would have to pay to probate her will and release the funds would exceed the combined value of the accounts. 
I have made many, many inquiries and complaints over the last nine years to JPM Chase, including at the branch and to their Presidents help line. The only advice they offer is to wait until the kids turn XXXX when they can claim it themselves. 
That would be acceptable, except that they charge a fee of {$5.00} per month per account. All appeals to cease charging this fee have met zero success. The net effect is the accounts will be depleted entirely by the time the kids are of age to claim their rightful inheritance. 
JPM Chase has already stolen {$60.00} per year times XXXX kids times 9 years from a XXXX victim and her grandchildren. Everyone is oh so sorry, but the fact remains. No refunds are forthcoming, and the fees continue. 
If Americans can not trust their banks and the laws behind which the banks hide, then what use is a financial system? 
Sincerely, XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX # XXXX -DATE OPENED XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX NA XX/XX/XXXX XXXX  XXXX  XXXX XX/XX/XXXX XXXX XXXX/XXXX  XXXX  XX/XX/XXXX XXXX  XXXX XXXX  XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX  XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX  XXXX  XX/XX/XXXX XXXX  XXXX XXXX  XXXX  XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Ive been in communications with this company about inaccurate personal information on my credit report. Even after notifying them many times about this error they still continue to report this incorrect personal information on my le. Not only is it unfair, its also illegal. By law 15 U.S. Code 1681 ( b ) it clearly states that your reporting agency must follow these Reasonable procedures : require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the condentiality, accuracy, relevancy, and proper utilization of such information in accordance. 
This whole thing is unfair. This has been stopping me from being able to move forward in my life because of this inaccurate information being reported on my credit report. I have told ( TransUnion, XXXX or XXXX ) many times I do not consent to the inaccurate personal information listed below to be reported on my consumer report. This in clear violation of 15 U.S. Code 1681 & 15 U.S. Code 1681c2 Inaccurate Personal Information ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
My only name XXXXXXXX XXXX XXXX  My only address is XXXX XXXX XXXX XXXX XXXX XXXXXXXX My only date of birth is XXXX My only employer is XXXX XXXX XXXX XXXX XXXX are required to do what I am asking and block the following personal information from being reported to my consumer report within 4 days from the date of the receipt of this notice. I look forward to your response. 
Thank You XXXX XXXX
Product: Money transfer, virtual currency, or money service

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

I have tried dispute these and it gets me no where, even on the website it wont let me, these are not my accounts, I am working hard to get my account in shape and its steadily adding these accounts from someone else! 

XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX ( XXXX ) XXXX Placed For Collection : XX/XX/XXXX Responsibility : Individual Account Account Type : Open Account Loan Type : COLLECTION AGENCY/ATTORNEY Balance : {$750.00} XXXX XXXX Authorized User XXXX $ XXXX XXXX Authorized User XXXX $ XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX-auto Inquiry from XX/XX/XXXX + Misc . 
XXXX Inquiry from XX/XX/XXXX + XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Retail, Not Elsewhere Classified XXXX  XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX  XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

Inam filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Payday loan, title loan, personal loan, or advance loan

I got a line of credit in XXXX of XXXX, and they were drafting XXXX out of my checks bi-weekly. I was moving from XXXX, back to XXXX  and was going to file bankruptcy because I was struggling ran into medical issues and contacted net credit that I was going to file. I contacted noncredit because I have gotten back into a better financial situation and not filing, they told me the balance was {$3700.00}, and that I would still owe {$5400.00} and i asked how I only borrowed {$3000.00}, and I would like to take care of the XXXX they said if i didn't pay the full XXXX each month they would still report to credit bureau in default. I told her I would have to see if I could find research on this predatory lending, high interest rates, and lack of offering a way to resolve the debt to help me. I called back, I emailed it takes forever to contact them. I got, an email finally telling me they closed my loan so only options are to pay the balance of {$5400.00} or to make XXXX installments of {$50.00} until XXXX so for XXXX years they are going to impact my credit, and take my money. How is this helping?
Product: Debt collection

a lawsuit filed by XXXX XXXX. Gurstel Law Firm. CA debpt collector license # XXXX address ; XXXX XXXX XXXX XXXX, XXXX, AZ XXXX This lawsuit concerns charges amounting to {$25000.00}, which were incurred after my XXXX card was stolen during the aforementioned robbery at the landlord 's premises. These charges are unauthorized, and I have reported the theft to both the police and XXXX. Despite my status as a secondary user on the credit card, which was applied under a corporation 's tax ID, I find myself unjustly targeted in this lawsuit. 
I have taken steps to address the XXXX issue, including filing a report with the Consumer Financial Protection Bureau regarding this fraudulent activity. However, given the legal complexities, I require professional guidance to navigate and resolve these matters effectively. 
Thank you.
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 

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 XXXXXX/XX/XXXX