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

Subject : Dispute of Inaccurate Credit Information Under the Fair Credit Reporting Act ( FCRA ) Dear CFPB and Credit Bureaus, I am writing to formally dispute inaccurate information reported on my credit report. Below are the specific inaccuracies and their corresponding violations : Accounts : XXXX. XXXX XXXX XXXX XXXX ( Account # XXXX ) o Charge-off reporting with a balance. This is a violation. 
o Late payment records are inconsistent. Violation : FCRA 15 U.S.C. 1681e ( b ) - Credit bureaus must ensure maximum possible accuracy of reported data. 
o DELETE THIS FROM MY CREDIT REPORT. 

XXXX. XXXX XXXX ( Account # XXXX ) o Reported 30 days late inaccurately. 
o Inconsistent balance reporting. Violation : FCRA 15 U.S.C. 1681e ( b ) - Credit bureaus must ensure maximum possible accuracy of reported data. 
o DELETE THIS FROM MY CREDIT REPORT. 
I request the immediate removal or correction of these inaccurate accounts from my credit report. Please provide an updated copy of my report reflecting these changes XXXX. XXXX ( Account ( # XXXX ) Account incorretly marked as past due despite being paid. Violation : FCRA 15 u.s.c. 1681e ( b ) - Credit bureaus must ensure maximum posssible accuracy of reported date.

One bureau is reporitng paid on time and Experian is reporting 30 days late. 
DELETE THIS FROM MY CREDIT REPORT.
Product: Credit reporting, credit repair services, or other personal consumer reports

File for dispute with both Experian and XXXX against XXXX XXXXXXXX XXXX for an existing account with outstanding amount due for over 3 months ( $ XXXX ), under my name. My credit score has since then dropped from XXXX to now XXXX XXXX was able to investigagte and closed the account, however, Experian can not. I have also reached out to XXXX XXXXXXXX XXXX multiple, multiple times regarding such account under my name that does not exist. They have informed me that it has been forwarded to their credit card operations department. This has drastically affected my home buying expereince with pre-approvals with home loans.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX 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 719XXXX has me at a score around 590. That is a huge difference. XXXX 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 XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us 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 XXXX. 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 XXXX more than 21 times. XXXX 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 XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now
Product: Credit reporting, credit repair services, or other personal consumer reports

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

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

In accordance with the Fair Credit Reporting act, XXXX XXXX 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 instruction.
Product: Debt collection

My recent credit report is showing multiple collections that I never received written notificationcommunication about so I had no time to dispute them on my behalf. I am also requesting debt validation persuant to 15 U.S. Code 1692 G, in this debt validation I am requesting a detailed list of my history of payments made by me on this account, I am requesting the ORIGINAL PURCHASE AGREEMENT, contrat with my signature with me agreeing to pay this creditor, has there been an insurance claim filed on this account, I also want to see that you have chain of title to collect on these accounts. LVNV FUNDING LLC- account number XXXX, date XXXX. Without providing this information according to FCRA these accounts need to be removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I traded in a lease for a new lease with XXXX XXXX   FL.  They paid off the balance of the lease in the trade in.  Chase financed it in XX/XX/2019 . Chase financed the old lease and the new.  The trade in balance $XXXX that was absorbed by XXXX  and paid off. We have a XXXX balance due but yet chase still has it on my credit till today. we have taken all measures to clear this up including a letter from chase and XXXX stating there is no balace due. With over 30 calls to both institutions and sending the letters to credit agency they responded that Chase is responsible for the reporting.  This is negatively effecting my credit rating and must be cleared immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

PLEASE REMOVE RANDOM INQUIRIES REPORTING ON MY CREDIT REPORT WITHIN 4 DAYS XXXX XXXX - XX/XX/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
Product: Credit reporting, credit repair services, or other personal consumer reports

I am the consumer, aggrieved party, violated by XXXX XXXX and Equifax in conspiracy to disgrace consumer and deny demanded notarized verification of disputed alleged debt. Equifax has refused to perform required investigation of fraudulent consumer reporting in addition to violation of exclusions of transactions or experiences ( balances, past due, credit usage, negative remarks etc. ) from FCRA 603 ( d ) consumer reports. Verification in the legal context refers to a declaration under oath or upon penalty of perjury that a statement is true. Equifax has not performed appropriate investigation to confirm by notarized verification name of representative involved in accusation of debt and authorization to furnish personal private consumer credit information to report without written XXXX  Statute 540.08 ( 1 ) consumer consent FCRA 604 ( 2 ). XXXX XXXX  is trafficking my personal information and negatively reporting information against consumer consent. 15 USC 1666b A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose but Equifax fraudulent, inaccurate and unauthorized reports and updates to unaffiliated third parties in breach of duty. XXXX XXXX and Equifax are engaged in harrassment and will not comply with proper notarized verification of the alleged debt in compliance to FDCPA 809 for validation.
Product: Debt collection

Repeated calls, more than once an hour, on one occasion calls were 29 minutes apart. Three days in a row called 4 times each day ; four days in a row called 15 times.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX To Whom It May Concern : XXXX, XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isnt shared which is backed by 15 USC 6801 which states It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. The Fair Credit Reporting Act 15 USC 1681 section 602 a states There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness impartiality, and a respect for the consumers right to privacy XXXX XXXX XXXX XXXX and JPMCB is a financial institution by definition under that title. 15USC 1681 section 604 a section 2 states that In general subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. XXXXXXXX XXXX XXXX XXXXXXXX and JPMCB, XXXX, XXXX and XXXX do not have my consent to report my information, any and all consents whether verbal, non-verbal, written, implied or otherwise is revoked. XXXX XXXX XXXX XXXXXXXX XXXX and JPMCB this account is reported as a charge off, according to 15 USC 1681 and the Privacy Act of 1974 recognize charge offs as certificate of indebtedness, that is considered income and income is not reported on credit reports and must be removed. XXXXXXXX XXXX XXXX XXXXXXXX XXXX and JPMCB did not inform me of my right to exercise my nondisclosure option. 15 USC 1681C ( a ) ( 5 ) says Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information, any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years This account is an adverse item they are reporting again without my permission which is against the law. Remove all hard inquiries. According to 15 USC 1681b They need your written consent to add anything to your consumer report if you did not give the authorization that is a violation of the Fair Credit Reporting Act. 15 USC 1681s-2 ( A ) ( 1 ) A States A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code 1681e states Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title.
Product: Credit reporting or other personal consumer reports

A collection of {$1600.00} showed up on my credit report despite me paying it off. I disputed it with XXXX they marked it as closed, it's still showing on Equifax and Fico reports and I request you to please inform them that it's already paid in full.

I have a reciept. Will attach it herewith.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

I have asked Experian, XXXX, and XXXX to reinvestigate the following account. XXXX XXXX XXXX - Account # XXXX. However, they stated that everything was completed and accurate. How is that possible if the status of the account is reporting Account XXXX XXXX XXXX, with {$1700.00} written off and {$1800.00} past due is incorrect? In addition, reporting the account late monthly on a XXXX XXXX Account. According to XXXX5 USC 1681i ( 5 ) they are supposed to modify accounts that are not reporting correctly.

15 USC 1681 Section 602 A : States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : States a Consumer Reporting Agency can not furnish a without written instructions.

15 USC 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 7 years.

15 USC 1681s-2 ( a ) ( 1 ) : States a person shall not furnish any information relating to consumer to any Consumer Reporting Agency if the person knows and/or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

About 8 months ago I started receiving recorded calls from XXXX saying it was an attempt to collect a debt and they were going to turn off my service. I called XXXX billing on multiple occasions to inquire since my payments are automatically deducted monthly from my checking account and I have never had a break in service. I was told by multiple XXXX reps they did not know why I was receiving these calls and my account was in good standing. 

Finally after STILL receiving these calls I asked to talk with someone higher up to help figure this out. After speaking with a supervisor, they finally found some account in their system with my name AND someone elses name attached to it, unfortunately I do not recall the other name but it was someone I had never heard of before. I explained this to the manager and he said he would get this completely taken care of. The auto calls finally stopped so I assumed it was resolved however, I just pulled up my credit report for XXXX and there is a collection on my report that XXXX has illegally put on my credit report for {$210.00}. I did my due diligence on this and XXXX chose to ignore the issue and instead stick a collection on my credit report illegally.
Product: Checking or savings account

On XXXX Wells Fargo charged a recurring payment for {$20.00} and then another charge on XXXX for {$18.00} without me having ever signed up or given consent for overdraft protection. Then proceeded to charge 2 overdraft fees of {$35.00} each. There were insufficient starting on XXXX and Wells Fargo intentionally allowed these charges to go through knowing they attempt an illegal overdraft charge.
Product: Mortgage

XX/XX/XXXX  Monthly payment due ( Amt. {$1500.00} ) as of statement dated  XX/XX/XXXX . XX/XX/XXXX Payment sent via personal banking bill pay for {$1500.00}  XX/XX/XXXX  XX/XX/XXXX  payment was placed in a suspense account due to the {$190.00} XX/XX/XXXX  Notice sent that annual escrow was reviewed and the payment would be going from {$1500.00} to {$1700.00} ( increase {$190.00} ) effective  XX/XX/XXXX .
 XX/XX/XXXX In touch with customer service to inquiry why payment was not applied to the account and to explain the $   XXXX   monthly payment increase when property insurance amount decreased. This process took several days to get addressed. My payments were applied for  XX/XX/XXXX and  XX/XX/XXXX . (  XX/XX/XXXX  & XX/XX/XXXX  ).
 XX/XX/XXXX Received notice from credit bureau that a 30 day late was applied to my credit report which should have not been applied.
 XX/XX/XXXX - Mortgage Loan Statement amount has increased from {$1700.00} to {$1800.00} ( {$100.00} ) with no explanation again.
 XX/XX/XXXX Called in a request to remove the PMI from my account since my loan has met the 20 % equity rule.
 XX/XX/XXXX  NationStar sent a notice determining that since they have the late payment in  XX/XX/XXXX , I can not request the PMI removal for a year.
Product: Credit reporting or other personal consumer reports

On behalf as an consumer ( Debtor ), I am informing you that an creditor ( Credit  XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX etc. ) is bankrupt .To which requires the entity to notify credit reporting agencies of all debts status to be changed from a charged off to being subjected to the bankruptcy discharge. ( a ) A discharge in a case under this title ( XXXX ) voids any judgment at any time obtained, to the extent that such judgment is a determination of the personal liability of the debtor with respect to any debt discharged under section 727, 944, 1141, 1192, 1228, or 1328 of this title, whether or not discharge of such debt is waived ; ( 2 ) operates as an injunction against the commencement or continuation of an action, the employment of process, or an act, to collect, recover or offset any such debt as a personal liability of the debtor, whether or not discharge of such debt is waived ; and ( 3 ) operates as an injunction against the commencement or continuation of an action, the employment of process, or an act, to collect or recover from, or offset against, property of the debtor of the kind specified in section 541 ( a ) ( 2 ) of this title that is acquired after the commencement of the case, on account of any allowable community claim, except a community claim that is excepted from discharge under section 523, 1192, 1228 ( a ) ( 1 ), or 1328 ( a ) ( 1 ), or that would be so excepted, determined in accordance with the provisions of sections 523 ( c ) and 523 ( d ) of this title, in a case concerning the debtors spouse commenced on the date of the filing of the petition in the case concerning the debtor, whether or not discharge of the debt based on such community claim is waived.

Also in reference of 11 U.S Code 727 ( b ) A bankruptcy discharge relieves a consumer of any legal obligation to repay a discharged debt- in terms does not make the debtor liable of such debt.
Product: Debt collection

I am harassed by the company daily. I have requested a bill from the hospital they claim I owe money to many many times. All I have received is XXXX letter with the debt companys name on and an amount owed. They will not give me a bill to show what this debt is for. 
National recovery agency The people I have spoken to have always been so incredibly rude and nasty and wont do the most simple thing of providing me with an itemized bill in the mail from the company they claim I owe money to I cant pay a bill I dont ever receive and I will never pay a debt through a text message which they text me Daily not a phone call not a single thing in the mail just text
Product: Checking or savings account

My checking account with Chime online Banking was emptied out by 7 unauthorized transaction within a 3 day period all to the same person or account. The total was XXXX dollars I had no access to my account so by the time I realized what happened it had been several days I started on the XXXX of XXXX dealing with Chime about this because my XXXX check was also taken in these 7 transactions. When I made chime aware of the problem the said they would look into it and see what ha8. They approved me for a temporary credit but never gave me access to it. I kept calling each day they would give me the run around but send out automated emails saying they found no wrong doing in the transaction first time. So I filed a rebuttal and went to my sheriff 's office and filed a police report about the missing money and the 7 unauthorized transaction then again they sent a automated email saying they spike to the merchants and again found them not at fault I asked for them to show me the statements where the money went and as of today they still have not showed me where XXXX dollars of my money has been spent. I asked them if you talked to the merchants then you are aware of where the money went why want you show or tell me that. Now they closed another rebuttal saying no fault of there's still showing me or my sheriff 's office where the money went They keep closing it out so they can moved the temperary credit date back each time. XXXX went and read what I signed up for with Chime it's states if approved for a temperary credit it goes into your account within 24 hours well it's been over 24 days I've seen no temperary credit I was approved for or ant documentations showing where the money went Now they say I called and closed out the account 3 days before my next XXXX check. Was suppose to be direct deposited. I called them again telling them I did not close out the accounts. Because I was waiting on my temperary credit to go into and my XXXX check. I called today asked to have the account reopened and for them to send me the documents showing where the money went. They said they would email me it but like always they never send out any email at all I did not au5 those 7 transactions that cleaned out my saving and checking account I filed a police report stating I didn't authorize those transaction but chime seems to me is trying to cover up there mistake by ignoring me and closing my account out.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccurate late payment information that has been reported on my credit report concerning my account with XXXX  XXXX XXXX. My account details are as follows : - **Account Number : ** XXXX - **High Balance : ** {$4000.00} - **Date of Last Activity : ** XX/XX/year> - **Account Status : ** Closed - **Payment Status : ** Late 90 Days XXXX. Inaccurate Reporting of Late Payment : ** I have identified a 90-day late payment listed on my account that is inaccurate. Under **15 U.S. Code 1681i ( a ) ( 1 ) ( A ) **, when the accuracy of any item of information contained in a consumers file is disputed, the consumer reporting agency is required to conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate. This late payment is incorrect, and I request that it be deleted from my credit report. 

XXXX. Incomplete and Unverified Information : ** According to **15 U.S. Code 1681i ( a ) ( 1 ) ( C ) **, if during the 30-day period of reinvestigation, the information is found to be inaccurate or incomplete, or if the consumer reporting agency determines that the information can not be verified, the agency must delete the item from the file. In this case, the late payment information can not be verified as accurate. 

XXXX. Failure to Provide Timely Notice : ** Under **15 U.S. Code 1681i ( a ) ( 2 ) ( A ) **, the credit reporting agency is required to notify the furnisher of the disputed information within five business days. I have not been informed of any actions taken by the credit bureaus or the furnisher XXXX XXXX  XXXX XXXX ) to address the inaccuracies, which further demonstrates non-compliance with the FCRA. 

Requested Action I respectfully request the following actions be taken : XXXX. **Immediate Deletion of Inaccurate Late Payment Information** : Given that the reported late payment is inaccurate and unverifiable, it must be removed from my credit report. 

XXXX. **Correction of Account Status** : The account status should reflect accurate payment history without the incorrect late payment entries. 

XXXX. **Written Confirmation** : Please provide written confirmation that this dispute has been resolved and that the inaccurate information has been deleted from my credit report. 
Supporting Documentation I have attached relevant documents, including payment records, that support my claim and demonstrate that the reported late payment is incorrect. Please consider this as part of your reinvestigation process. 

I trust that you will conduct a thorough and timely investigation as required by law and correct these errors promptly. I appreciate your attention to this matter and look forward to receiving confirmation that my credit report has been corrected.
Product: Debt collection

I never received correspondence from this company regarding the debt. I found it reporting on the credit bureau.