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

The complaint is with the following Credit/check reporting company : CHEXSYSTEMS XXXX XXXX XXXX XXXX, MN XXXX I recently applied for a checking account with XXXX XXXX and the bank denied the account due to information with CHEXYSTEMS. I have exellent credit for decades with the XXXX major bureaus. I have 5 bank accounts with the major banks and 1 with XXXXXXXX XXXX XXXX. I have never run into any issue ever on opening an account I have never heard of CHEXSYSTEMS. Neverthless I have made numerous attempts at requesting whatever information that may be inaccurate and deragatory that led to a denial on my checking account opening with XXXX XXXX. However i only get automated information no matter what i attempt when i call XXXX XXXX XXXX or XXXX XXXX XXXX I also tried creating an account with CHEXSYSTEMS that only results in an error ( see the attachment ) and recommends a call to CHEXSYSTEMS customer service. But then I am back to the begining where I can only reach automation. This is very frustrating Experience
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX , XXXX XXXX ( Original Creditor : XXXX XXXX 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 writing to you as a concerned consumer regarding the accuracy and fairness of the information contained in my credit report. As you are aware, the Fair Credit Reporting Act ( FCRA ) ( 15 USC 1681 ), which was enacted to promote the accuracy, fairness, and privacy of information in the files of consumer reporting agencies, grants me certain rights to ensure that my credit report is correct and that I am treated fairly in the credit reporting process. 

Under the FCRA, I am entitled to the following rights : The Right to Accurate Reporting The Right to Dispute Inaccurate Information The Right to Be Notified of Adverse Actions The Right to Limit Access to My Credit Report The Right to Privacy and Confidentiality The Right to Seek Damages for Violations I am asserting these rights in my dealings with your agency to ensure that my credit report is accurate, complete, and reflective of my true credit history. Any discrepancies or inaccuracies should be promptly corrected to avoid any adverse impact on my creditworthiness. 

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

Yes, I hired Lexington Law to repair my credit, but unfortunately they falsely sent Some letters that I didnt authorize. I informed Lexington Law On XX/XX/2020 that theyre terminated due to unethical and deceptive practices in writing. I emailed them and I messaged LexingtonLaw on XXXX. No, there hasnt been any type of response or reply from LexingtonLaw. Ill be informing ALL three credit bureaus that if a letter was sent with my name on it to just ignore it. If any letter that was sent to the credit bureaus doesnt have my written signature and notarized, then the letter sent was and isnt officially from me. If I send any type of letters to the credit bureaus, then it will be in writing and it will have my notarized signature on it and Ill have a copy of me signing it on video. Also, I informed to LexingtonLaw that I dont authorize them to conduct a background or credit check from this day forward due to their deceptive practices pertaining to my credit repair case. LexingtonLaw sent letters without my written consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is so annoying & frustrating. Ive sent EXPERIAN multiple letters that Im the one whos disputing the items that are UNKNOWN to me. In Experians responses that make the claim that have not initiated any disputes on my behalf due to the fraudulent or high risk nature, and the documents I provided have either been confirmed as fraudulent or deemed as high risk due to the potential for fraud. This is a complete joke. How in the world did they verify this claims? First of all, I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, o

r both. Most importantly, I never sent my documentation to anyone else as it deemed as high risk due to the potential for fraud. Also, according to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information.

( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency.

Again, under FCRA 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 

I need your help! As a consumer, I need to correct my credit file for my credit worthiness, credit standing, or credit capacity to obtain my rights and My Financial Freedom that has been DAMAGE. List of item that is UNKNOWN to mXXXX XXXX XXXX XXXX XXXX XXXXXXXX Date opened XX/XX/2008 Balance : {$7100.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit bureaus has refused to correct /remove fraudulent and erroneous data from my report after several attempts and several months of disputes via certified mail, online and phone. 
They have also failed to provide me with sufficient evidence for these inaccuracies within the 30 day timeframe allotted by law. The most recent dispute was made XX/XX/XXXX. 

Erroneous data : all names other than " XXXX XXXX '' ( many incorrect spellings and middle initials reporting '' all addresses other than " XXXX XXXX XXXX XXXX XXXX  GA XXXX '' XXXX XXXX " late payment XX/XX/XXXXXXXX XXXX XXXX ' late payment XX/XX/XXXX XXXX XXXX XXXX XXXX " late payments 4 years ago on closed account '' XX/XX/XXXXopen account of $ XXXX  " ( account closed as report states } Fradulent data : all Inquiries XXXX  " open account $ XXXX  " XXXX XXXX  and Experian have experienced security breaches. Therefore, it is in their best interest to correct this matter as it is adversely affecting me. My next and final step in this matter will be litigation. 

Thank you, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I wrote a dispute letter to Equifax to investigate and correct the inaccurate reporting they are reporting on my credit report and they dont fix it. Instead of correcting the inaccuracies theyve been reporting they just changed things into more inaccurate information and has been and still is harming me very much. This goes for XXXX XXXX XXXX XXXX XXXX accounts, XXXX XXXXXXXX accounts, and any other false reportings that they are reporting on my credit report! I disputed back in XXXX of XXXX  and still havent had my problems resolved!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with Federal Credit reporting Act, these Creditors violated my rights. XXXX XXXX XXXX XXXX XXXX XXXX XXXX June 2022-October 2022 XXXX XXXX XXXX 2022. XXXX XXXX XXXX XXXX June 2022-October2022 15 U.S. Code Section 1666b - Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.
Product: Credit reporting or other personal consumer reports

I am writing to dispute inaccurate information on my credit report. The account in question is listed as follows : * Creditor Name : XXXX XXXX * Inaccuracy Details : incorrect balance, outdated information, incorrect date of last payment.

I have previously contacted your bureau regarding this issue, but the inaccuracy remains unresolved. According to the Fair Credit Reporting Act ( FCRA ), you are obligated to ensure that the information reported on my credit file is accurate and complete. You have broken my rights under the consumer law 15 USC 1681e ( b ) Duty to Provide Accurate Information.

Please confirm receipt of this letter and provide written verification of the actions taken to address this dispute. I trust that you will handle this matter with the urgency it requires.

Thank you for your immediate attention to this matter.
Product: Debt collection

They added collection to my credit reports without my knowledge! I checked & can't verify their registration in Michigan! BOTH are FDCPA violations! 

Jefferson Capital put a collection on my credit reports without my knowledge and in doing so, this violated the FDCPA Collection Practice by placing a collection account on my credit report without sending a letter to me. 

I called and asked for verification and proof that I was sent notification regarding this alleged debt and they were unwilling or couldnt verify it. I told them it was within my rights and was a FDCPA violation and XXXX said they didnt have to notify me or send me anything.
Product: Credit card or prepaid card

On XX/XX/XXXX I deposited a no hassle check from Chase to XXXX XXXX XXXXXXXX for XXXX at the atm machine in XXXX XXXX XXXX, Fl. On the XXXX I saw it was returned. It said insufficient funds which was incorrect. I called XXXX XXXX XXXXXXXX and they said the funds should go back to chase in about a week. I called Chase and they think there were two checks for the same amount. After going back and forth many times. A supervisor from Chase finally said they she could see that bothe the checks are the same with the same check number. I am still charged by Chase for the money but I dont have the funds and as many times as I have called no one can seem to fix this problem. I dont want to ruin my credit but I dont want to pay for XXXX that I never got.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Credit reporting or other personal consumer reports

This is my six endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}
Product: Credit reporting

Under the Fair Credit Reporting Act I am entitled to dispute information that I find to not be accurate - especially information that is lowering my credit score and thus putting a financial burden on me. I am a victim of identity theft. I have previously discussed this identity theft with Expeiran, XXXX and XXXX. I disputed the information that resulted due to the identity theft with all XXXX credit reporting agencies and Experian is the only one of the XXXX that gave me any issues. Experian recently responded to my dispute regarding inquires telling me that they were a fact and that I would have to address each individual inquiry with the company that inquired. Several of the companies did not respond and I later was told by XXXX of the companies that it is Experian 's duty under the FCRA to dispute everything, including inquiries if I provide them with documentation of the identity theft which I have done NUMEROUS times. The inquiries are : Account name XXXX Date of request XXXX/XXXX/XXXX Account name XXXX Date of request XXXX/XXXX/XXXX Account name XXXX Date of request XXXX/XXXX/XXXX Account name XXXX XXXX XXXX Date of request XXXX/XXXX/XXXX Account name XXXX XXXX XXXX Date of request XXXX/XXXX/XXXX Account name XXXX Date of request XXXX/XXXX/XXXX Account name XXXX Date of request XXXX/XXXX/XXXX Account name XXXX XXXX Date of request XXXX/XXXX/XXXX Account name XXXX Date of request XXXX/XXXX/XXXX Account name XXXX Date of request XXXX/XXXX/XXXX Account name XXXX XXXX XXXX Date of request XXXX/XXXX/XXXX Account name XXXX XXXX XXXX Date of request XXXX/XXXX/XXXX Account name XXXX Date of request XXXX/XXXX/XXXX Account name XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX Account name XXXX Date of request XXXX/XXXX/XXXX Account name XXXX Date of request XXXX/XXXX/XXXX These inquiries are lowering my credit score which is causing me financial hardship. I want them investigated and removed. 

My credit report number XXXX
Product: Checking or savings account

I have a few fraudulent transactions on my 5/3 debit card. The real issue here is that I cant get through to them on the telephone. Im deaf, so I have to go through a relay service to contact them. Ive also tried their TTY number directly. It keeps disconnecting on me so I can never file a proper dispute. 

That being said, I received a fraud alert from the about a {$110.00} charge. I never made any such charge and checked my account online. There were 2 fraudulent ATM charges as well. I checked my wallet and I didnt have my debit card. Here are the fraudulent transactions ... 

XX/XX/2018 XXXX Withdrawal for {$800.00} XX/XX/2018. XXXX Withdrawal for {$350.00} XX/XX/2018. Two ATM fees of {$2.00} each Also, pending charge of {$0.00} from XXXX XXXX XXXX  XXXX. This is was the merchant on the fraud alert. 

I did not make any of these charges.
Product: Credit reporting, credit repair services, or other personal consumer reports

Attached is additional information regarding the theft, fraud, impersonation, forgery, and false pretenses on my XXXX XXXX by XXXX XXXX. Please add this to the pending complaints. I have filed many complaints and I have several pending now against XXXX. The following are examples of the forgery, impersonation, and false pretenses of XXXX XXXX. Just like she did XXXX. XXXX XXXX is mentioned on IRS Form 14039 Fraud Affidavit. XXXX XXXX sent me the attached application and contract to rent furniture under XXXX XXXX  name. It was obvious sloppy fraud and XXXX dropped the claim when they saw her finger in the photo. XXXX XXXX also stole 5 XXXX from XXXX by charging to my company account. She was able to get my PIN from one of the employees. She then stole the phones from my rural mailbox. I am requesting this information from XXXX XXXX XXXX and will send later. Also attached are forged documents on two cars purchased under my name from same dealership on same day. Again it was sloppy fraud. Notice different salary amounts, her name, her phone, and her email address.
Product: Mortgage

I am behind, but working toward catching up. I have XXXX payment in dispute. XXXX XXXX I received a check in the amount of a full mortgage payment. Dietech sent a letter dated XXXX XXXX, 2015 and check dated XXXX XXXX, 2015, stating the check was a refund of my XXXX 2015 mortgage payment ( which they cashed on XXXX XXXX, 2015 ) due to not begin enough to reinstate. I looked on a monthly statement and it said as of XXXX XXXX, 2015, I was 135 days delinquent. That is not true. Dietech removed a payment from my account- sent out a check- and then listed my account over 120 days due. I still ca n't believe that they would be so brash to out-rightly due that? I have no intention of cashing the check they sent me, it 's not mine. I made my payment, and made another that they are still holding. I do n't like to my insinuations but why would they do this other than to force my account into 120 days delinquency so they can start foreclosure? Why did they remove a payment from my account, when it was received back in XXXX, and it was as I send all of my payments with mailing proof of receipt. I am extremely stressed over this situation and certainly think action should be taken. How many more people have they done this to? It 's not right.
Product: Credit reporting, credit repair services, or other personal consumer reports

Around XXXX EST I received a copy of my background check copy as requested. 

There were several discrepancies so I called the company. 

1. They didn't verify my employment as confirmed when speaking to them via phone however they listed that I provided false information on the report and did not state that they did not verify with my previous employer. The dispute here was in regards to when I worked for an employer. I had someone from their agency prior only ask for verification of a XXXX for the year 2017, not for what the final background report said. I also had supplied them with the employers number. They stated they did not call them. I asked them to correct the statement made to reflect they did not verify my employment with the employer and it was jot because I provided inaccurate information. 

2. I noticed there was a name listed as an alias associated with me. Not a variation of my name but a completely different person. I asked for this to be removed and disputed for accuracy and was denied the request and told I would have to pay them to have it removed. 

3. The job title for on3 company was listed as employer verified and that I misrepresented my job title. I asked how they verified and they provided the name of an individual that does not work for my employer let alone in their hr. Which means they are verifying infirmation without verifying they are speaking to the employer.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with The Fair Crediting Reporting act XXXX  account # XXXX, XXXX XXXX XXXX  account # XXXX, XXXX XXXX account # XXXX, and XXXX account # XXXX has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX  XXXX XXXX with a different account number. XXXX in Experian and XXXX in 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 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

XXXX has failed too fulfill its legal obligation under the Fair credit reporting act FCRA too conduct reasonable reinvestigation of disputed Information on my credit report leaving inaccurate unverifiable accounts unresolved the consumer financial protection bureau XXXX has recently filed a lawsuit against XXXX alleging systematic failure such as failing too forward consumer provided evidence too furnishers accepting unreliable responses and failing too adequately notify consumers of dispute outcomes these failures align with my experience where XXXX has neither corrected or removed disputed items I provided causing on going harm too my credit standing I am requesting immediate corrective action too remove or amend disputed accounts as XX/XX/XXXX inaction violates federal law and my rights as a consumer.
Product: Debt collection

Portfolio Recovery has re aged this XXXX XXXX account. The account was opened in XX/XX/XXXX-XX/XX/XXXX yet they are reporting that it was opened XX/XX/XXXX. In addition they have not sent any information regarding this account and nor have they given me the opportunity to dispute.
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights.

15 USC 1681 Section 602 A States I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without written consent.