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

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These accounts may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following accounts are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX we approved for a 3 month forbearance plan with our original mortgage servicer XXXXXXXX XXXX XXXX XXXX. That servicer sold/transferred our servicing to XXXX Mortgage XXXX XX/XX/XXXX, before our 3 month period had lapsed. Immediately our credit score was tarnished, albeit a stipulation of the forbearance was that it would not affect our credit score. XXXX ignored this and continues to report our account as delinquent during forbearance, with reckless regard for our credit. 

We extended our forbearance plan through XXXX, but have not out any subsequent paperwork with XXXX. From what I know to be fact regarding contract law, XXXX can not ignore the agreement and obligations set forth by XXXXXXXX XXXX XXXX XXXX 

This is the second time our score has been tarnished because of XXXX. With rates falling, we would like to refinance but am likely unable to do so. 

Below is a brief timeline of events : Friday XX/XX/XXXX XXXX check in call Sat XX/XX/XXXX Incoming XXXX Call ( scheduled at XXXX? ) Fri XX/XX/XXXX XXXX XXXX Tue XX/XX/XXXX XXXX XXXX Mon XX/XX/XXXX XXXX Call Thu XX/XX/XXXX Incoming XXXX  Call ( appointment regarding submitted application ) Fri XX/XX/XXXX Submitted Mortgage Assistance Application to XXXX Mon XX/XX/XXXX XXXX Call Tue XX/XX/XXXX Credit bureaus updated Wed XX/XX/XXXX XXXX Call Tue XX/XX/XXXX XXXX XXXX  account reported delinquent to credit bureaus Mon XXXX XXXX  Call Thu XX/XX/XXXX XXXX becomes new loan servicer Mon XX/XX/XXXX - Beginning of Unemployment Forbearance ( until XX/XX/XXXX ) Thu XX/XX/XXXX Loss Mitigation Application submitted to XXXX XXXX XXXX
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 on XX/XX/XXXX under the account number XXXX, a personal loan account opened at XXXX XXXX XXXX  on XX/XX/XXXX under the account number XXXX and a collections account opened at Chapter XXXX Bankruptcy on XX/XX/XXXX under the account number XXXX with a balance of {$0.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  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 XXXX 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 or other personal consumer reports

I don't have any idea about this account. This is purely identity theft. This account damaging my good credit reputation! 

DELETE THIS IDENTITY THEFT ACCOUNT ASAP!!! 

XXXXXXXX XXXX XXXX XXXX {$0.00} XXXX  XXXX XXXX XX/XX/XXXX {$3100.00} XXXX XXXX XX/XX/XXXX Equifax I will never stop filing complaints against you because I know my rights!

In accordance with the Fair Credit Reporting act. This account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report is showing late payments on XXXX XXXX .... Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX customer service representative.
Product: Mortgage

I am trying to sell my property in short sale and prevent foreclosure, but it does not appear who is the holder of the HELOC. 
After reviewing my documents, I called the lender that originated the HELOC, Flagstar, and told us that it was transferred to XXXX XXXX XXXX XXXX on XX/XX/XXXX. 
The lawyer who is working the short sale, checked the public records to find the recorded assignment, but couldn't find it They called XXXX and they couldn't find the HELOC with my social security, then the lawyer contracted XXXX and Flagstar has given them the XXXX account number. 
I called XXXX on Friday XX/XX/XXXX, but they no longer have loan information. XXXX representative suggest that I check XXXX. No information found it. 
Please help me.
Product: Money transfer, virtual currency, or money service

On Thursday, XX/XX/year>, I attempted to withdraw {$1500.00} from my personal spending account. Immediately after initiating the transaction, my account was restricted due to what was flagged as unusual activity. 

I contacted customer support to clarify the situation, confirmed that I, the account owner, had made the withdrawal, and offered to provide any necessary documentation to resolve the restriction. However, the agent informed me they had no further information beyond stating that my account was under review and that the process would take XXXX hours. 

At the time the restriction was applied, a notification stated that I would receive an update by XX/XX/year>. However, when I logged in on XX/XX/XXXX, the timeline had been extended to XX/XX/XXXX. On XX/XX/XXXX, it updated to XX/XX/XXXX, and today, XX/XX/XXXX, it now says XX/XX/XXXX. 

I have spoken to XXXX different representatives, but none can explain the reason for the restriction, the cause of the delays, or how to resolve the issue. I was withdrawing this money to pay my rent and am now deeply concerned about the possibility of eviction if I can not access my funds. 

My attempts to seek support have yielded no updates or solutions. It feels as though the institution is unfairly withholding my money with no recourse available. I urgently need help resolving this issue and accessing my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this complaint because I have reached out to JPMCB AUTO via certified mail XX/XX/XXXX about two late payments they are reporting inaccurately XX/XX/XXXX and XX/XX/XXXX, but I have not received a response on their end and its XX/XX/XXXX that is well over 30 days. In accordance with the FAIR CREDIT REPORTING ACT, JPMCB has violated my consumer rights. 

According to Federal law code 15 U.S Code 1666b states that a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. This includes reporting such information to credit bureaus or other entities.

According to 15 U.S Code 1681 Section 604 2 states a consumer reporting agency can not furnish a account without my written consent.
Product: Credit reporting

XXXX XXXX is not accurate. That account was closed, it is not delinquent.
Product: Money transfer, virtual currency, or money service

We are a newly formed XXXX XXXX XXXX business. My husband is a retired XXXX from california who used his savings to start up this business. On Sat XX/XX/XXXX we participated in a huge event in our town called XXXX XXXX XXXX XXXX. We had a total of {$2500.00} in sales. Of course each of those were individual transactions using our XXXX XXXX XXXX too swipe the sale transactions. Come Thursday we realized the money still wasnt in our bank account. Thursday XX/XX/XXXX I spoke to an agent at Clover ( a merchant services company ) about why my money isnt being put in to my bank account. The agent was unable to tell me anything other than there is a security problem and they would have to schedule a call for Friday XX/XX/XXXX. Friday came around and I did not receive a phone call. I called the company back in the evening on XX/XX/XXXX and was told they had to schedule another appointment. The agent is unable to get ahold of the security department. I escalated and spoke to a supervisor in the escalations department who gave me the same information. The only thing she could do was send an escalated email and schedule a call for someone to get back to us on Monday, meanwhile our bank account is overdrawn now, we have an event Saturday XX/XX/XXXX and no idea why our money is being held from us. I am escalating because I think it is illegal to hold every single transaction from the consumer. If there is a security problem with a transaction then that is the transaction that should be held. I am not understanding why every single sale is being held from us. The company is unable to tell me what the problem is and I have to wait for someone from security to contact me when its convenient for them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I RECENTLY HAD MY CREDIT PROFILE PULLED. UPON LOOKING AT THIS REPORT I HAVE NOTICED THERE WERE ACCOUNTS THAT WERE NOT MINE. THERE ARE ADDITIONAL ACCOUNTS THAT ARE REPORTING LATE PAYMENT HISTORY WHICH ARE IN ERROR. I WAS NEVER LATE, SO PLEASE AMEND TO SHOW NEVER LATE. 
I HAVE SENT DISPUTE LETTERS ON XXXX BUT TO DATE I HAVE NOT RECEIVED ANY RESPONSE FROM YOUR COMPANY. WE HAVE 30 DAY VIOLATIONS IN DIRECT VIOLATION OF THE STATUTES UNDER THE FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

This Mercedes-Benz Auto Finance will not stay off my report. It has been deleted twice & it still report erroneous information on my report. Please mailing me or having any correspondence. It's becoming a harassment. 

This account was opened XX/XX/23 but, its accurately reporting 120 days past due. We're currently in month of XXXX. From XXXX to XXXX is over 200 days. This account has been removed for inaccuracy & blocked for fraud numerous times.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX Balance : {$6500.00} ; XXXX XXXX XXXX XXXX Balance XXXX {$1600.00} ; XXXX XXXX XXXX XXXX : {$590.00} ; XXXX XXXX XX/XX/XXXX ; XXXX  XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX AR XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX AR XXXX ; XXXX XXXX XXXX XXXX XXXX {$6500.00} ; XXXX XXXX XXXX XXXX Balance : {$1600.00} ; XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX ; XXXX XXXX  ( Original XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$1600.00} XXXX XX/XX/XXXX.
Product: Debt collection

Spoke with agent XXXX XXXX XX/XX/22 approximately XXXX XXXX- I Wasn't aware of debt until found on credit report-XXXX said XX/XX/22 XXXX got my new address XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX the day after they received acct XX/XX/22 and sent first and only collection letter- no corespondance was sent to new address although they identified a new address for me- I advised XXXX I hadnt lived at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX since XXXX XXXX said it isnt their responsibility to check their files for new addresses before credit reporting- I told XXXX I dont know if its my debt because Ive moved and XXXX ( original creditor ) has my correct phone number and I havent received any calls and she didnt offer debt validation/verification letter- Representative wouldn't answer questions about debt, said she didn't want to argue with me-Requested supervisor transfer agent refused and as she will have supv call back but she doesnt know when- When I asked her to document on my file they had my correct address the day after they received acct she said no-Said she will only document acct for supervisor to call back and there is no formal dispute process- XXXX implied repeatedly no action will be taken- I want this removed from my credit report because no attempt for contact was made after they got current address
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

List of Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

I have been requesting for last XXXX weeks from Chase XXXX things and being told they cant provide. 

XXXX changing from draw period to repayment period inXX/XX/XXXX. I have been requesting from Chase ( for the last XXXX weeks } for a amortization schedule for payments fromXX/XX/XXXXuntil XXXX which will show how much is going to be applied toward principal and interest. Refuses to give. 

Requested how monthly payment is broken down into principal and interest. Language in Note states " repayment period will be the principal balance divided by the number of payments remaining plus the interest accrued for the billing cycle. '' I have requested what language is used with the amortization of a " normal '' loan and why payments are not the same. When I put loan information into financial calculator I get a different payment than Chase does. 

Chase is taking XXXX principal balance and dividing by XXXX months and then adding interest by taking principal amount XXXX and multiplying by interest rate which is currently XXXX and then dividing by XXXX days to get a daily interest amount and then multiply by how many days are in month. The monthly payment is approximately XXXX per Chase When I put into my XXXX or any amortization schedule online if I put in a principal balance of XXXX and an interest rate of XXXX and a XXXX year term. The payment comes out to XXXX per month. 

I just want to have in writing from Chase the language for both ( my variable note and a fixed rate loan and why they are using one calculation versus the other. 


I know my loan is a variable interest rate and has been so for last XXXX years during draw. period. The loan will continue to be variable for next XXXX years during repayment period but Chase should be able to tell me both of these things in writing.
Product: Debt collection

ALLY FINANCIAL is reporting a negative account with a balance that does not belong to me on my XXXX  Credit Report. They are intentionally violating my consumer rights by continuing to report this account under my name while they were informed it does not belong to me.
Product: Credit card or prepaid card

Robocall before XXXX. XXXX from Discover called we have been trying to reach you to lower your interest rate. We dont have a Discover card. 
Call from XXXX. ID after call said XXXX XXXX. 
Multiple calls from XXXX. 
All our numbers are registered with the do not call list.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX  is reporting Account closed paid in full on XXXX, and also reporting Charge off on Equifax. They are also reporting different dates of last activity, and charge off after account is reported as closed.
Product: Credit card or prepaid card

I was notified today about a potential fraudulent account. There were over 10 transactions starting from XX/XX/2022 until today XX/XX/XXXX, XXXX the amounts range anywhere from XXXX XXXXXXXX {$13.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX  XXXX Bankruptcy Date Filed/Reported XX/XX/XXXX Reference # : XXXX ; XXXX XXXX Bankruptcy Date Filed/Reported XX/XX/XXXX Reference # : XXXX ; XXXX XXXX  Bankruptcy Date Filed/Reported XX/XX/XXXX Reference # : XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Product: Credit card

I have held a credit card with US Bank since approximately 2004. When I opened the account, it was a XXXX XXXX rewards card. When XXXX XXXX became XXXX XXXX, my card became a " XXXX '' card. This card has an annual fee of {$45.00}. I want to convert the card into some US Bank card that does not have an annual fee. US Bank phone customer first told me I would have to go into a branch- the closest is 1.5 hours from where I live. I called the branch, they looked into it and told me there is no way to convert this card to something without an annual fee. I have to either pay the fee every year for benefits that I do n't use- or close the account. I do not want to close the account because it having been open and in good standing for 12 years reflects well on my credit history. I feel like my credit score being held hostage by US Bank, either pay or suffer! I have assured them that if I close the account, I will not be opening a new XXXX with their bank, but would like to work together to remain their customer. Their only answer is that I can spend at least $ XXXX to earn enough rewards to redeem them for the annual fee, but this is also them forcing me to adhere to their terms. All I want is a US Bank credit card on the same line of credit with no annual fee.
Product: Credit reporting or other personal consumer reports

Ive submitted countless debt request validation letters. Ive submitted documents Ive called. I spent countless hours on the phone to speeding. These things have never been forwarded accurately and there some are still closed. Still reporting as a negative XXXX refused to just help me out and its causing turmoil and great grief to the point where I cant even get alone I cant even finance a vehicle, I demand they removed everything that is reported accurately, countless data, breaches, etc. 
XXXX XXXX XXXX battery breach Equifax XXXX XXXX XXXX breach I mean, countless that reaches it which is exposed. All my information has caused me to have my credit report completely annihilated with negative information. Its not mine. I demand that they remove this because it should be illegal for them to be so negligent with my personal information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the XXXX Credit Bureaus to delete these unverified and unauthorized inquiries. I think you have not validated these inquiries in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting or other personal consumer reports

I am formally disputing the following late payment entries on my credit report : XXXX  XXXX These entries are incorrect and do not accurately reflect my actual payment history. I have made multiple attempts to get these discrepancies investigated and corrected, yet no meaningful action has been taken. Despite providing all necessary documentation and following up several times, these errors remain unresolved. This ongoing issue has caused financial stress and has taken a serious toll on my well-being. Dealing with these inaccurate entries has been frustrating and exhausting. 
Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that accurately represents my financial history. This includes the prompt correction of outdated or incorrect information. I urge you to take immediate action to update or remove these late payment entries, as failing to do so is a direct violation of my rights under federal law. 
I appreciate your prompt attention to this matter and expect a resolution as soon as possible.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of inquiries below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 ( b ). I did not give written permission to any of these companies to access my credit report. Please remove the following inquiries immediately : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX