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

Hello- I have been disputing the reporting inaccuracies on the following account since XX/XX/2023. 

Account Name : [ XXXX ] Account Number : [ XXXX ] for the reporting on the following dates : XXXX This account is closed and should not be reporting active late payments. Upon review, I have observed that this account continues to be reported as having a late monthly payment history, even though it should not due to its charged-off status. This constitutes a direct breach of the Fair Credit Reporting Act ( FCRA ) as it inaccurately influences the statute of limitations. 

This reporting violates the following consumer laws- 15 U.S. Code 1681a - Definitions ; rules of construction I U.S. Code | US Law | LII / Legal Information Institute 15 U.S. Code 1681s-2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 15 USC 1681a 2 ( A ) ( i ) - EXCLUSIONS- Except as provided in paragraph ( 3 ), the term " consumer report '' does not include- ( A ) subject to section 1681s-3 of this title, any- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Under the Fair Credit Reporting Act, Metro 2 Compliance Guidelines, and other pertinent Consumer Protection Laws, I, XXXX XXXX, hold the right to have accurate XXXX current, and complete information on my credit report. Late payments fall under transactions & experiences and are illegal to continue to report as stated by the FCRA. 

Experian has been non-responsive, is well past 30 days for updated reporting and continues to instead send letters and emails to my address accusing me of not being myself and not acting on my requests.
Product: Debt collection

On XX/XX/2019, I received a call from Bay Area Credit Services. I had been working with them prior to this, to resolve a medical debt and currently have a payment plan set up with them lasting until XX/XX/2019. However, they called me at XXXX XXXX, with no explanation about what the call was about except insisting I had a payment due on the account. I demanded to speak with a manager, only to have him confirm it was the two accounts that were currently under the payment plan. I requested to keep to the payment plan I was currently under, as well as no calls before XXXX XXXX as I work nights. 

The next week, I received four more calls ( two on XX/XX/XXXX, two more on XX/XX/XXXX ). Adding to that, my husband has received three calls from the service as well, two on XX/XX/XXXX as well ( one around XXXX XXXX, and the second around XXXX XXXX ), as well as a call this morning at XXXX XXXX. 

The payment from the payment plan has gone through. There is no reason for us to be receiving these calls constantly, and I have no idea why they are harassing us so much so randomly. Adding to this, it looks like Bay Area Credit Service is known for scams, and I am worried they will fraudulently target my credit or harass me further, despite me paying the debt and trying to work with them as I can.
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.

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or a list of inquiries : 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 ( 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 or other personal consumer reports

My letter is dated XX/XX/year> According to Theft pursuant to FCRA 605B ( 15 U.S.C & 1681 c-2 ) which states that these accounts must be removed within XXXX Business Days of receipt. 
I will have no choice but to seek legal action if my letters falls on deaf ears.
Product: Payday loan, title loan, personal loan, or advance loan

I don't remember opening this account, i know this account is already closed but it was mark as Delinquency and it is affecting my credit score. Somebody stole my identity to open this account, so, i need this account removed from my credit report asap please. And i noticed this account was never late because it has some littler payments attached to the account.
Product: Credit card

There is 2 hard inquiry on my credit report about 2 credit cards by JPMCB, one on XXXXXXXX  and another on on XXXX. I dis not Authorized this company to run my credit and i did not apply for these cards.
Product: Credit reporting or other personal consumer reports

I ASKED CAPITAL ONE IF I PAID OFF THIS ACCOUNT COULD THEY DO A PAY TO DELETE OFF MY CREDIT REPORT, THE PERSON ON THE PHONE FROM CAPITAL ONE ASSURED ME I WOUOLD HAVE ALL INFORMATION RELATING TO THIS ACCOUNT DELETED OFF MY REPORT AS SOON AS THEY RECEIVED PAYMENT, I PAID OFF THE ACCOUNT AND I STILL SEE IT APPEAR ON MY CREDIT REPORT. 

I WOULD LIKE CAPITAL ONE TO LOOK INTO THIS FURTHER
Product: Credit card or prepaid card

During the four months from late XXXX to now, I spent about 100 hours calling the BOA Claim dept, faxed a total of +35 pages of evidence showing the initial impersonation is the crux. But all I got were hours of put-on hold, numerous runarounds. After 100 hours of effort, all BoA did was to close the claim while clear evidence of fraud is right there. Finally, after stating my experience on the BoA CEO, share holders XXXX XXXX, I was able to get their attention and resolved the issue. But it all came too late, other than the 100+ hours wasted, Without the access to the fund, I had to 1 ) cancel my trips back to XXXX XXXX help support my critically ill mother 2 ) borrow money to pay the taxes associated to the lost fund Now I am developing some serious mental health problem due to the stress and financial uncertainty. I often wakeup in a disturbed mind, feel very XXXX a lot of the times in these 4 months, am XXXX and unhappy about everyday I must deal with the fraud and the consequences of it. The emotional instability is something Ive never experienced in my whole life and is unbearable. Im now trying hard to get back my normal life and believe that BoA is liable for causing my emotional distress. BoA is negligent/irresponsible carrying out its duty protecting peoples money, be specific, lack of 2nd verification mechanism in the EDD prepaid card account, caused the fraudster successfully took over my account. Then BoA was deliberately ignoring the evidence I provided and insisted no error was found on my account multiple times. While being a detective myself to find the evidence, I have to doubt BoA was intentional ignoring my evidence.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Michigan XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute several items on my credit report. The following accounts are incorrect and/or have errors that need to be corrected : XXXX XXXX XXXXXXXX Late Payment Account XXXX XXXX XXXX XXXX Late Payment Account XXXX XXXX XXXXXXXX Late Payment Account XXXX XXXX Charge Off Account XXXX XXXXXXXX Charge Off Account XXXX XXXX XXXX XXXX Charge Off Account XXXX XXXX Charge Off Account XXXXXXXX XXXX XXXX XXXXXXXX Charge Off Account XXXX XXXX XXXXXXXX XXXX Charge Off Account XXXX XXXX XXXX Charge Off AccounXXXX XXXX XXXX  XXXX Charge Off Account XXXX XXXXXXXX Charge Off Account XXXX XXXX Charge Off Account XXXX XXXXXXXX Latepayment Account XXXX XXXX XXXX XXXX XXXXXXXX Collection Account XXXX XXXX XXXX XXXX XXXX XXXXXXXX Collection Account XXXX XXXX XXXX XXXXXXXX Collection Account The aforementioned accounts contain errors and are not accurately reflected on my credit report. I am requesting that you investigate these items and remove any inaccurate information. 

According to the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to ensure that all information on a consumer 's credit report is accurate, complete, and verifiable. If there are any inaccuracies or errors on my credit report, it is my right to dispute these items and have them corrected or removed. 

I have attached documentation to support my claim, including proof of payments, correspondence, and receipts. I ask that you investigate these accounts in a timely manner and provide me with a written response of your findings. 

These inaccuracies have caused me great emotional distress, as I have worked hard to maintain a good credit score. I urge you to correct these items as soon as possible so that I can continue to pursue my financial goals and dreams. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Product: Mortgage

I was working on a loan modification with nationstar and I talked to them on Tuesday and they stated it was in review and they needed more paperwork and they sent that to me and I filled it out agin and checked back Friday and they stated they got that paperwork and needed another page they said was n't filled out and sent me the paperwork work on Friday the XXXX and when I called them this morning they are telling me it for closed on Thursday the XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX XXXX, has violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Product: Mortgage

I was directed to you through the Attorney Generals Office-XXXX XXXX My ex husband, after our divorce and the home was given to me went and borrowed money on the property in order to pay what he owed me to avoid a contempt of court issue. My name is not on the loan but my property is because the finance company did not do the research needed before writing him a check. He has since passed away and now the loan company wants me to pay the bill that I was not ever aware of. I directed them to file against probate but they never did. His mother XXXX XXXX was the beneficiary of his life insurance, checking and savings and they have never sent her any thing about this. How can someone use my property without my knowledge and I have to pay the bill. They are threatening to foreclose on my property now and after I paid off the first mortgage as I was instructed by the court. 

Linear XXXX  should be responsible for this since they never had insurance on the loan, never had my signature that he could borrow my property to take out a loan nor did they do the research they should have done to start with? 

They have told me that they wrote the checks directly to XXXX XXXX XXXX not only once but twice, One time for {$9000.00} and another loan ( The loan application was used to payoff a previous note for {$12000.00}. with XXXX, a XXXX XXXX account for {$9000.00} and misc bills and direct to XXXX. This statement came from : XXXX XXXX XXXX ) Please help me, XXXX XXXX XXXX Cell XXXX Work
Product: Credit reporting, credit repair services, or other personal consumer reports

As stated before and also acknowledged with the XXXX department that I was a victim of identity theft and my card was compromised back in then months of XXXX till XXXX and I was in a hectic phase with my car and everything being stolen and the target TD bank card which this report is compromised of, so kindly it shows close don my report and I want it removed as im a struggling college student and due that incident and now incorrect information on report it is a big hassle during this virus and challenging times for me to qualify for housing as I dont owe anything and also need my card back as it was stolen. Thanks and kindly remove this
Product: Credit reporting or other personal consumer reports

Ive continued to raise concern with XXXX reporting of XXXX old derogatory trade on my reports. 

The information is inconsistent across reports and date of delinquency isnt aligned. This account should be removed. 

There also continues to be report of late pay each month though the account has long been charged off
Product: Credit reporting or other personal consumer reports

XX/XX/year> I called XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX Account reference XXXX XXXXXXXX I asked for my letters giving them authorization and permission to run my credit.I never gave them permission to run my credit report or anyone else to do so, if they received my information from another party which they said was XXXX XXXX XXXX I never gave them authorization or permission to run my credit or share my information with anyone.They in return threatened me with giving it to a Lawyer.I received emails and text messages saying this.I want this hard inquiry removed immediately please.15 USC 1692cc I asked them to remove it from my credit report immediately they hung up on me.I also explained that XXXX was compromised hacked an my information was stolen.Id like it to show on my credit report it was deleted.Thank You.
Product: Credit card or prepaid card

I tried multiple times to submit a payment to Children 's Place. The website has been down and didn't accept any of my attempted payments. I checked my pending payments and the screen was blank. It reflected as if I didn't make any payments. I tried calling the company multiple times to cancel them and pay in store. Their phones ring and ring to no avail. I was on hold for one hour. This led to the company deducting my payments multiple times and I incurred over {$200.00} of NSF funds with my bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  XXXX XXXX account # xxxxxxxxxxxx XXXX, XXXX XXXX  XXXX account # xxxxxx XXXX, XXXX  account # xxxxxxxxxxxx XXXX, XXXX XXXX XXXX XXXX account # xxxxxxxx XXXX, XXXX XXXX XXXX account # xxxxxxxxxxxxxxxx XXXX, XXXX XXXX XXXX XXXX account # xxxxx XXXX, 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 also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Mortgage

Rocket Mortgage did not pay my insurance on time. And, when they did pay it, they short paid it. I spoke with XXXX on XX/XX/13 at XXXX a.m. It was extremely difficult to get her on the phone as it is practically impossible to get a human being in the insurance department. She said she would check into it and get back with me. She has not done that. Instead, Rocket Mortgage is threatening to get insurance for me at a higher price. I'm very upset that my insurance was not paid and Rocket mortgage caused my policy to lapse. I'm even more upset that XXXX has not responded to me or done anything since my call.
Product: Debt collection

I disputed this information to the three bureaus and i neve received anything. I also sent the information to creditor and nothing was sent back to me. They never sent me a certified letter or anything on this account.
Product: Credit card or prepaid card

On XX/XX/XXXX, I booked a nonrefundable flight through XXXX for {$470.00} but the flight was cancelled the same day by either the airline or XXXX without my knowledge. I filed a chargeback under the reason of cancelled goods/services. I provided all the necessary information, however, on XX/XX/XXXX I was informed that the claim had not been closed in my favor. The only reason I was given was that I did not provide necessary information when I had. My flight was cancelled without my fault or knowledge and I have lost the money. Case ID : XXXX
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX Balance : {$410.00} XXXX XXXX Balance : {$14000.00} XXXX XXXX Balance : {$14000.00} XXXX XXXX XXXX Balance : {$410.00} XXXX XXXX Balance : {$14000.00}
Product: Debt collection

I have called XXXX XXXX XXXX XXXX and have asked them to provide confirmation that this loan or service or bill belongs to me. They keep asking me to provide my date of birth and the last of my social and the amount. I do not feel I need to. The moment they gather my information they will imply that this amount is mine. It has happened before. Will someone please assist me without giving my personal information. It would be a breach of privacy.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX FINANCIAL XXXX negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$1000.00} XXXX XXXX account. {$1000.00} past due as of XX/XX/XXXX. 
XXXX XXXX  XXXX Potentially negative Date opened XX/XX/XXXX Balance {$200.00} Status Collection account. {$200.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$170.00} Status Collection account. {$170.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX Apartment complex XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX  Multifamily XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX RXXXX XXXX Single family XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX Single family XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Single family XXXX XXXXXXXX XXXX XXXX XXXX XXXX FL XXXXXXXX XXXX XXXX Single family XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXXXXXX XXXX XXXX Single family XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX Single family XXXX XXXX XXXX XXXX XXXX XXXX XXXX  FL XXXX XXXX XXXX  Apartment complex XXXX XXXX XXXX  XXXX XXXX, FL XXXXXXXX XXXX XXXX  Single family XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX Single family XXXX XXXX ) XXXX Residential ( XXXX ) XXXX Residential ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX FL, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX FL XXXX, XXXXXXXX XXXX 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 XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX HOME XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX
Product: Credit card

My wife visited the XXXX XXXX in XXXX from XX/XX/XXXX through XX/XX/2023. All of the receipts that were signed were signed in XXXX XXXX ; however, the resort decided at the end of the trip to convert and charge the amount in US dollars. All other foreign transaction charges through Chase are charged in the country 's currency and then converted on the Chase statement at the then prevailing exchange rate. Chase, however, allowed a foreign company to charge in US dollars even though all the receipts are signed in XXXX 

While at the resort she requested the charges to be charged in XXXX ; however, we were told they couldn't do that, which we learned later was not accurate. When she returned to the States, we contacted the company again and were told that if we went back to XXXX they would charge the transaction in XXXX 

My wife has XXXXXXXX XXXX and has a difficult time with computing numbers and handling certain situations. I believe the company took advantage of her XXXX when refusing to honor the transactions in XXXX  as she requested. 

We have reached out to Chase on numerous occasions, providing them with copies of the receipts as well as other Chase statements showing foreign charges being charged in the country 's currency, yet they refuse to do the right thing. 

I believe the charge to be a fraudulent charge since it was not charged accurately according to the receipts signed. Initially, I was seeking just to the difference of {$150.00} in foreign exchange fees. However, I have determined that the entire transaction is fraudulent based on the signed receipts. I am attaching documentation showing the charges in XXXX on the company 's statement, copies of some of the signed receipts in XXXX ( more receipts are available ), and other Chase statements showing foreign transactions in the country 's currency. 

The invoice from the company was for {$32000.00} XXXX  ( attached below ). XXXX XXXX rate on XX/XX/2023, according to XXXX was XXXX. The amount I should have been charged is {$1800.00} ; however, I was charged {$1900.00}. A difference of {$150.00}. When I first reached out to Chase via phone, their representative agreed that I was overcharged.
Product: Credit reporting or other personal consumer reports

There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instruction for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block been made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transaction. The identified transactions are not information related to any transaction by me as the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

There were multiple inquiries made to my credit without verification or consent on XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal XXXX XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal XXXX XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal XXXX XX/XX/XXXX XXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal XXXX XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX