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

JPM Morgan Chase since XX/XX/XXXX to XX/XX/XXXX have been reporting INACCURATE information to the XXXX credit BUREAUS monthly on a CREDIT CARD that was XXXX in my XXXX Bankruptcy. The INACCURATE INFORMATION they submit become HARD INQUIRIES and there HARD INQUIRIES are main reason my XXXX XXXX has dropped XXXX XXXX 

I have done everything possible except give. There have been given INACCURATE INFORMATION MONTHLY for XXXX XXXX  to the 3 Credit Bureaus that is unexceptional and unprofessional and illegal.
Product: Credit reporting, credit repair services, or other personal consumer reports

No attempt was made to verify the collections disputed. 
I do not recall seeing the original dispute or anything from the company that they claim contacted me. 
There was nothing done to confirm the debt which I do not owe. 
It is a medical debt that was sent to a charity organization at the hospital and paid by them. 
Trans union is lying when they say they tried to check it out, they made no attempt to remedy the issue and just stamped it as good and put it on my report. 

This is not a legal debt., The original creditor was the hospital that I was admitted to. It went ot a collections agency that did NOTHING to confirm the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit report is still on freeze. My original complaint ID is XXXX. It has not been unfrozen. I need my credit report from Experian released immediately. I no longer have access to my password. Experian has not accepted my valid forms of identification. There is no customer service, no one to speak with, phone inquiries are useless.
Product: Credit card or prepaid card

I called all of my credit card companies including this one, to let them know of a financial hardship that myself and my XXXX son are going through as a result of the XXXX pandemic and directly related to positive results that we had earlier in the year which lead to loss of income I asked about credit protection program or for parents programs that they offered due to Covid pandemic and that was told that they have no options to offer me for our situation when Im a XXXX XXXX that has been unemployed as a result of XXXX starting from XX/XX/2021. Other credit card companies were at least one offer off the credit program that they didnt. All of my creditors including my credit card companies were notified of my hardship and financial situation even before my job loss that occurred on XX/XX/XXXX and also after. There should be no missed payment reported on my credit report after XX/XX/2021 From any creditor.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Fl XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  CA XXXX Account No : XXXX Dear Sir/Madam, I am writing to address the recent communication received from your office dated XX/XX/XXXX, regarding an outstanding balance associated with Account No : XXXX under the names of XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX However, after reviewing the information provided in your letter, it has come to my attention that there are inaccuracies that must be urgently rectified. 

The statement made in your correspondence regarding the outstanding balance of {$22000.00} is in dispute due to the fact that the XXXX XXXX XXXX owned by XXXXXXXX XXXX XXXX XXXXXXXX was involved in a car accident on XX/XX/XXXX. Notification of this incident was promptly conveyed to your company both via email and through a phone conversation with one of your agents. Consequently, the continuous reporting of this alleged debt to three credit agencies is a clear violation of the Fair Credit Reporting Act.

I hereby demand the immediate removal of this inaccurate information from all credit agency reports. Failure to comply with this request will leave me with no choice but to pursue legal action to address this matter and seek appropriate remedies. Legal counsel will be engaged to handle these matters should the erroneous reporting persist. 

I urge you to conduct a thorough review of your records and make the necessary corrections to accurately reflect the circumstances surrounding the referenced account. Any further attempts to collect on this disputed debt will be considered a willful violation of consumer rights and fair credit practices. 

I kindly request that you provide written confirmation once the corrective actions have been taken to ensure the accurate reporting of this account. Your prompt attention to this issue and a resolution that aligns with credit reporting laws and regulations are expected. 

Thank you for your cooperation in promptly addressing this matter. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I overpaid my credit card balance by {$15000.00}. I had made an electronic payment through my XXXX XXXX bill pay service to Discover Card on XX/XX/XXXX. I noticed the over payment within a day. However, XXXX XXXX would not stop the payment. I notified Discover the same day. 21 days and several conversations later, Discover will not electronically reimburse my account. They will send a paper check in another 2 weeks. 
They have will have wrongfully retained my funds for 1 month.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports.

I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on BANK OF AMERICA XXXX Balance {$3200.00}. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

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




XXXX XXXX XXXXXXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I have checked and acknowledged the response from Equifax regarding my previously filed complaint. However, there are still numerous discrepancies and inaccuracies in their reports, despite their claim of having verified them with the original creditor. I provided them with a screenshot of the accounts in question, demonstrating that their verification and investigation process was unsuccessful. 

Secondly, XXXX has failed to provide me with further statements or explanations on how they verified the inaccuracies of the disputed accounts. They merely mentioned that they were verified, without detailing their investigation process. 

Lastly, XXXX has not yet responded to my dispute. I can not wait another 30-45 days to file my complaints again because this is adversely affecting my scores and financial plans.
Product: Debt collection

I reached out to the company Personify Financial about the information on my credit. I let them know that my identity was stolen back in XXXX and I have no knowledge of this account. The went through and had me file paperwork to prove it wasnt me I filed that paperwork and they came back and said it was me. The account was opened on XX/XX/XXXX, with no payments made. I have reached out and filed disputes on this multiple times and nothing has happened. I was also never reached out to about this account, just saw it on my XXXX  XXXX day when looking.
Product: Debt collection

I was called on Wednesday XX/XX/26 and a woman from National Recovery Agency called and asked for me. I verified my name, and she asked me an incorrect address, I stated no and she replied oh that may be why and gave me her mini Miranda letting me know it was an attempt to collect a debt and disclosed all of my medical information without a proper piece of verification and on top of that seeming very rude. With being I victim of having my information compromised in the past and working in a collection agency myself I know not just a name is a proper and only piece of verification. There has been many times to where people have called pretending to be me to see what my business is, but fortunately companies who know the correct way to verify a consumer did not disclose any information without a correct verification.
Product: Credit reporting, credit repair services, or other personal consumer reports

Late charges reported on disputed account XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2019.
Product: Credit card

On XX/XX/XXXX, I applied for the APPLE CARD through Goldman Sachs. I received a decline stating, " You have recently been past due. You have recently experienced a charge off ''. Neither of these are accurate. I have tried XXXX different times to call them, to no avail. Got different answers from all XXXX reps. I want this resolved with either a viable explanation or to have the application approved. I have attached a screenshot of the decline letter. 

XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX Address : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX TX XXXX
Product: Credit reporting or other personal consumer reports

This is my first 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 alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$31.00} XXXX XXXX XXXX XXXX  Balance : {$6900.00} XXXX XXXX XXXX XXXX XXXX Balance : {$1300.00} XXXX XXXX Balance : {$0.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$7800.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$850.00} XXXX XXXX XXXX Balance : {$4500.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$7800.00} XXXX XXXX XXXX Original XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$490.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  Balance : {$850.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

In accordance with the fare credit reporting act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15USC1681. 
Account name XXXX, XXXX, Experian have violated my rights. 
15USC1681 section 602A states that I have the right to privacy.

15USC1681 section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15USC1681C. ( A ) ( 5 ) section states no consumer reporting agency will make any consumer report containing any of the following items of information, any other adverse items of information other than records of conviction of crime which antidate the reporting by more than 7 years.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dispute of Double Reporting I only had one acct with XXXX XXXX XXXX XXXX Acct XXXX you have 2 accts on my credit report for the same day and year and amount i only the first office sent me to XXXX XXXX Mo  so i think you guys put two Acct but only got one i included my credit report so you can see XXXX the other ACCT number as you can see i got double reported for 2 accts i wouldn't be able to get 2 loans same day please see to credit Agency to delete i will file legal actions also file CFPB against XXXX XXXX i spoke with XXXX XXXX Chief Complaince Officer
Product: Checking or savings account

I am a member of USAA since XX/XX/XXXXand currently my daughter and I have a checking account together for her college payments. On XX/XX/XXXX a transfer in the amount of {$660.00} was made from her USAA college investment account to her USAA checking account, and although that transfer was made internally between USAA accounts, the funds were placed on hold until XX/XX/XXXX and treated as an external transfer. I contacted USAA on XX/XX/XXXX to request funds to be manually released, since it was an internal transfer, and asked for a manager or supervisor in checking, but was connected to a member of the Executive Resolutions Team ( I was later told that his employee number is XXXX ). He advised me that although he had the authority to release those funds, he wouldn't do it, because although investments are offered by USAA as a USAA product, those accounts are third party accounts and USAA member 's do not have knowledge that their college investment accounts are a third party product. We have made several transfers from my daughter 's college investment account to her checking account both with USAA on the past two years and this is the first time a hold is placed and representatives are refusing to remove the release on funds, although they are fully aware that this is an internal transfer and no hold should be placed. Also, I want to bring to the attention that members of USAA Executive Resolutions Team come across as forceful and most times unwilling to resolve issues that requires immediate attention.
Product: Student loan

When my loan was first sold to navient from XXXX they had low payments. XXXX month Then my payment went to XXXX a month. They are more than willing and they also preferr to put you in deferment then to take smaller payments so they can add interest to your total I have a total of XXXX in loan but now it is up to XXXX. It is hard enough to make XXXX but harder to catch up to pay the interest that has over grown they have had the loan since 2011. In 6 yrs the interest turned into XXXX. On their recognition to let you to deferred versus making smaller payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive tried to get my three credit reports from XXXX but kept getting a message on each site that I need to call and request a report. I called and ordered my credit reports and the following happened : - XXXX mailed a credit report print out - Equifax mailed a letter saying that I had requested a credit report once in the past 12 months so I would need to pay to order another one - XXXX never sent a credit report
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash app block Inc. due to an adequate customer service and unfair practices which violate the consumer financial protection act specifically cash app failed to take timely and effective measures to prevent an address fraud on their platform leaving my account vulnerable unprotected furthermore, their dispute resolution process was unfair and deceptive, and they did not comply with error, resolution requirements under the electronic fund transfer act And regulation. E these actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations. They also stole my money after closing my account for no reason
Product: Credit reporting, credit repair services, or other personal consumer reports

A notice was sent several times to Transunion, XXXX, XXXX. I humbly requested Transunion, XXXX, XXXX to send me valid proof of bankruptcy and other accounts that they claim that they verified dated XX/XX/2021, XX/XX/2021, XX/XX/2021, and XX/XX/2021. I advised them that this was not a dispute, this was a consumer permissible request. I do not dispute accounts. I give proper directions and permissible requests for Transunion, XXXX, XXXX to act as an agent and correct misleading information. 

This notice was not a request for verification of the account or proof of my mailing address but a request for VALIDATION made pursuant to the FCRA and FDCPA laws. 

Further, any correspondence must be made in the form of a commercial affidavit under penalty of perjury and sent by certified mail. Any other form of service shall be deemed defective upon its face. 

I understand Transunion, XXXX, XXXX are not a bureaus nor is the agencies backed by any government agency. I am aware that Transunion, XXXX, XXXX are in fact a consumer reporting agency that has assumed, not given, a vital role in assembling and evaluating consumer credit and other information on consumers. 

Under these circumstances, I am aware of pursuant to the FDCPA & 15 U.S. Code 1681b - Permissible purposes of consumer reports. As Third party agencies, Transunion, XXXX, XXXX must comply with my written instructions. I have given Transunion, XXXX, XXXX written instructions to REMOVE multiple fraudulent and misinformed Tradelines from my consumer report. 

Transunion, XXXX, XXXX has continued to update my report with no proof of proper verification. Also that accounts are exactly the same! I will be contacting the Attorney General in regards to the matter as well. There is no way a proper investigation was done to receive these fraudulent misinformed results! 

- XXXX  XXXX  / XXXX XXXXXXXX - XXXX XXXX / Account # XXXX - XXXX XXXX XXXX XXXX / Account # XXXX - XXXX XXXX XXXX  XXXX Account # XXXX - XXXX XXXX XXXX XXXX Account # XXXX - XXXX XXXX Account # XXXX - XXXX XXXX / Account # XXXX XXXX XXXX XXXX XXXX / Account # XXXX XXXX XXXX XXXX XXXXc / Account # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Regarding Equifax Credit Bureau, my reported score dropped XXXX POINTS on XX/XX/22 with no significant changes to my history except 3 balance DECREASES across separate accounts. I have had no recent hard inquiries on my credit, no dramatic balance increases, and no reported collections or late payments. XXXX XXXX XXXX both have not reflected this change, and despite signing up for a personal account WITH Equifax on XX/XX/22 for a closer look, there is no further information to be found. I find this unacceptable that there has been such a huge drop in ratings, especially with Equifax 's history of incorrect credit reporting in the past according to the national news reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am dismayed by the capability of the Credit Reporting Agencies to retain disregarding a consumer 's appeal for the alteration of the disputed account on my Credit Report. Under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Experian is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. I need the account corrected XXXX : XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of certain accounts and inquiries that appear on my credit report as a result of identity theft, in accordance with XXXX XXXX XXXX ( a ) and FCRA XXXX ( b ). As a victim of a data breach, I have reason to believe these accounts and inquiries were made fraudulently and without my authorization. 
Accounts to Be Blocked and Deleted : XXXX. XXXX XXXX Account Number : XXXX Date : XX/XX/XXXX Amount : {$00.00} XXXX. XXXX Account Number : XXXX Date : XX/XX/XXXX Amount : {$00.00} XXXX XXXX XXXX  Account Number : XXXX Date : XX/XX/XXXX Amount : {$810.00} XXXX. XXXX Account XXXX : XXXX Date : XX/XX/XXXX Amount : {$160.00} XXXX. XXXX Account XXXX : XXXX Date : XX/XX/XXXX Amount : {$1500.00} XXXX. XXXX XXXX  Account Number : XXXX Date : XX/XX/XXXX Amount : {$22000.00} Inquiries to Be Removed : XXXX. XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX  XXXX  Date : XX/XX/XXXX XXXX. XXXX  Date : XX/XX/XXXX XXXX. XXXX  Date : XX/XX/XXXX XXXX. XXXX  Date : XX/XX/XXXX XXXX. XXXX  Date : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is reporting me as an authorized user on this account which i have no knowledge of ... I have never to my knowlege been an authorized user on anyones caredit card ... ..i have tried multiple times to dispute this with the equifax as well as XXXX and it comes back verified ... see attached report they have not even added a comment saying the account is in dispute so how have they even conducted a proper investigation to come back and say its verified..the answer is they havent ... i demand that this be deleted immediately