23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

I contacted Equifax to dispute Chapter 7 bankruptcy since bankruptcy is not reported by Federal Courts, I requested a signature to verify and received letter stating : " A discharged chapter 7 bankruptcy remains on the credit file for ten years from the date filed, this information was verified via XXXX '' However, no form of validation was received. 
XXXX and XXXX have both removed this item. 
Thanks!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to resolve late payments that have been reported on my credit report and they refuse to work with me. I have not been late on payments. I tried to set up auto pay and everytime it would get turned off. I have 3 accounts with them and they also have my name spelled wrong on one account so I don't even know if it mine or not.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX has reported a business account to my personal credit bureaus. 

This was for a business and not my personal account. XXXX XXXX has refused to remove the account from my personal XXXX. Also, the representative informed me the account has been sold to nationwide credit. Previously I was informed the account was not going to be sold, however today I was told it was sold. I requested 4 months worth of statements from 2016, they said they would send them to me but never did. I asked for these documents dozens of times. 

XXXX XXXX hasnt sold the account to any agency. However I was told it was by XXXX with XXXX XXXX. Her ID XXXX. They have lied to me over and over again. I confirmed with the collection agency was it sold. 





Nationwide Credit inc XXXX XXXX pa, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  ; XXXX  and Transunion are reporting incorrectly a collection/charge-off in the amount of {$3500.00} on XXXX XXXX, original creditor XXXX XXXX XXXX XXXX account number XXXX. ( Please see pages attached from my credit report, as well as a copy of the contract from XXXX. ) The interest rate being charged on this loan is over 198.9675 %, and this is PREDATORY LENDING to say the least!!! The Federal Loan cap is a maximum of 28 %! Payments Ive made have not been applied correctly to this account and consequently the balance reporting is wrong. Also, this incorrect reporting of a collection/chargeoff is seriously harming my credit score and this account needs to be removed and/or updated to report accurate information. I have contacted the bureaus to remove this however, I have not been successful.
Product: Credit reporting or other personal consumer reports

I sent a letter to XXXX on XX/XX/year>, regarding a collection account that is on my credit report. I sent a letter to the Collection company and it was returned for insufficient address. On the letter I sent to all three credit reporting agencies. I informed them, the responsibility of the data furnisher is outlined in the FCRA, section 623. In part, it states : '' The FCRA prohibits furnishers from providing information to a consumer reporting agency ( " CRA '' ) that they know ( or consciously avoid knowing ) is inaccurate. I requested they remove this account due to the FCRA violation. They responded with INVESTIGATION RESULTS : VERIFIED AS ACCURATE ''. Which means they obviously did not do an investigation because I still have not been provided with an accurate address, This is over well over 60 days ago and this account needs to be removed off my credit report.

The company is also in violation of Sections 623 ( a ) ( 1 ) ( A ) and ( a ) ( 1 ( C ) ALSO - they violated FDCPA - because at no point have they Spoken to me in person Spoken to me by telephone They did not mail me a collection letter giving me time to dispute the account and they never sent any electronic communication to me. Ive included a copy of the account on my credit report Ive also attached the returned envelope that proves they provided the credit bureaus with the incorrect address.
Product: Vehicle loan or lease

I was interested in possibly purchasing a XXXX XXXX. I filled out a pre-approval on Chrysler Capital 's website to see if I'd be approved for a loan. Part of that process required me to select a dealership. I selected XXXX XXXX XXXX XXXX since they're the closest dealership. 

I never authorized anyone to run my credit, and I ultimately decided to wait a while before purchasing a second car. I had an inquiry into my credit from Chrysler Capital despite never authorizing anyone at anytime to run my credit. 

Chrysler Capital is saying that the inquiry was initiated by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX got my personally identifiable information from Chrysler Capital . I want to know the name of the person who initiated this inquiry into my credit. 

This inquiry was unauthorized and is fraudulent. I intend to file a police report and press criminal charges against the individual and companies that allowed this unlawful inquiry into my credit to take place.
Product: Credit reporting

I have a " XXXX '' for {$1600.00} plus on my XXXX credit reports which is from an illegal eviction ... in that I am a XXXX senior just shy of XXXX years of age and in a protected class. I am in the protracted process of suing the landlord, owner and property management company for an illegal eviction and elder abuse ( among other things ). There is no doubt I shall prevail ( according to my attorney ) and those defendants may be liable for XXXX for the nasty and unforgivable eviction. This explanation should appear with the " credit & collections ''. Thank You ... XXXX XXXX
Product: Mortgage

On XXXX/XXXX/XXXXwas the closing of the home I sold XXXX - the XXXX held funds because of the buyer on XXXX funds were release and the bank was paid on XXXX I got a letter from the bank stating I was 30 days late in my mtg payment the letter was dated XXXX and I figured that the funds crossed with the letter. 
on XXXX - I was notified via e mail from my credit bureau that I was late in my payment. I called the bank and was informed that the letter was a mistake. I was not in default. The payoff was short and that they were going to notify the title company that day. I asked to have my credit corrected and they were to do so. I asked what else I should do and was informed to call my closing attorney and give him a heads up. This was the first time he got this information. He tried to call the bank but they would not speak to a third party and he told me I had to call them and to speak to a supervisor. Which I did. I spoke with Crystal the supervisor I asked why I was no one informed until now. She said they tried to call me at two phone numbers that have been out of service for 5 years. Now They have been mailing all the information to the Florida address but they never called the Florida number. She informed me that they sent a fax to the sellers attorney informing them of the shortage. They never got the fax, I asked if they would wave the fee and she told me that the best she can do is remove the {$72.00} and the payoff would be {$930.00} She also told me that no further late fees would be applied. She asked me when this would be settled and I told her I wanted it done that dayFriday XXXX. I informed my attorney and was asked to call XXXX back and have her fax the payoff total to them with proof that they faxed the information to the sellers attorney. This was not done. I called XXXX back 4 times on Monday XXXX no response. Tuesday XXXX I got a call from the default department about my late mtg payment. Spoke to XXXX who told me that XXXX is very busy and could not speak to me now but she would send an XXXX mail to her. On XXXX I got another call from the default department. Spoke to a XXXX who said there were so many names on this issues she would put an urgent e mail to XXXX to get in touch with me that day. I also called XXXX back and asked her to call me and she did not. I was reported to the credit bureau twice more on XXXX & XXXX for a late mtg payment and the total was now up to {$2800.00}. I do n't know what to do. I do n't want to ignore this situation I want this settled. I also e mail two ceos of the bank and my attorney did the same. I also got in the mail information how to avoid foreclosure and to call the default department for help. I am not sure they are all aware of what is going on. 
I feel so helpless and hope that you can assist me with this matter. 
I have NEVER been late in a mtg payment so I do n't even know if there was a grace period. If there was a grace period maybe the payoff was correct. 
ALSO I do n't feel I should be the one to pay this fee but I am willing to do so just to end this matter. Please help me Thank you in advance
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted XXXX, XXXX, XXXX as well as the collection company AD Astra Recovery Services about a debt that I do not recognize on my credit report. I asked for proof that this debt belonged to me or have it removed. Neither was taken card of from any of the parties. Ad Astra has yet to answer a call, return a call or write me back and it's be about 60 days. If I can not be provided proof that this is indeed my debt I'd like it removed from my credit report.
Product: Credit card or prepaid card

On XX/XX/2022 I contacted Nordstrom Credit Card Services via USPS Priority Mail # XXXX My purpose of contacting the company was to properly address their violation of FCRA 15 USC 1681a 2Ai Pursuant 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 ; by reporting this transaction or experience ( Utilization ) on my consumer report which CONGRESS clearly states IS NOT included on my consumer report I have properly attached all documents that are needed for verification as originally sent with the original letter ( this would include the account numbers along with my id and proof of address ). The response of the company was not acceptable by any means as it was clear to be a stall to disregard my concerns and my demands.
Product: Debt collection

I originally calle d Tek Collect to resolve my  debt. I asked to settle the debt and was told that I could not. I then asked her if I had an offer could she go to the client and see if they will accept. She said that she could. I advised her that she had told me a fib and I would call back and talk to someone else. I then spoke with  XXXX   XXXX  I tried to explain the call I had with the previous collector but he kept interrupting me to the point I could not talk so I told him  goodbye. I th en called the client  XXXX  and  XXXX   XXXX  home and offered them a settlement and they accepted it. I went Monday,  XXXX / XXXX /  XXXX  , and paid the bill. I then called  Tek Collect b ack to let them know I had paid it and spoke again with  XXXX   XXXX . I explained to him that because he would not let me talk that I went to the client myself and made a settlement payment and he then told me that I did not hear what I wanted to and that is why I was mad. I asked to have it deleted from my credit, he then told me that he did not believe I made a payment and that I was lying. I asked for his email, he would not give it to me I asked to talk to a supervisor, he told me that we were not playing that game and he refused to transfer me. I told him that he did not verify me, mini  XXXX  or tell me the call was recorded. I asked again to transfer me to a supervisor he would not. I called back four more time and was either hung up on or transferred to him.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 Transunion is verifying an account as accurate on my Credit Report with the Agency name XXXX XXXX XXXX XXXX XXXX  but the Credit information disputed is XXXX XXXX. I have never owned an account from an agency named XXXX XXXX or XXXX XXXX XXXX XXXX XXXX. This information is Wrong please fix this problem Thanks.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE BEEN A VICTIM OF IDENTITY THEFT AND FRAUDULENT INQUIRIES CONTINUE TO APPEAR ON MY CREDIT. THE FRAUDULENT INQUIRES ARE AS FOLLOWS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 have already so many times reached out to the following account below and talked to them about the issue with my account as reported by the EQUIFAX. They have advised me again that they will delete this on account on my credit reports right away due to unverified and inaccurate information reported, also the fraudulent account will be deleted, however, as I reviewed my recent report, the account mentioned are still reporting. I am not sure how the EQUIFAX came up with this remark. They have failed to investigate properly. 
Also, the comments do not conform to the information that is being shown in my report. I have filed an FTC report on this complaint with the FTC report number XXXX to support this complaint.
Product: Checking or savings account

Citibank froze my account and holding my money hostage. They froze it because they said even though the check is made out to me ( Real Estate Commission check ) XXXX XXXX the issuer has a different address on the check which is in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Their automated system was triggered that it is a fraudulent deposit because the address on the check is not on my file for the account. 

I went inside the branch and spoke to XXXX XXXX the branch manager to assist me. Although she is helpful and think this trigger doesn't make any sense, her hands are tied and the Fraud department are the only ones who has the power to either hold or release my money. The fraud department told her to tell me that the only way they will remove the freeze off of my account would be for me to call XXXX XXXX to put a stop payment on the check and have XXXX XXXX to stop the payment on the check that I already deposited yesterday XX/XX/2023 at the XXXX XXXX XXXX XXXX branch through the teller and then have XXXX XXXX reissue the check to prove that the check I deposited is not a fraud. 

I emailed and called XXXX XXXX to do just that, XXXX XXXX tried to stop it and they said they couldn't stop the payment anymore because Citibank already cashed my check. XXXX XXXX sent me a copy that it cleared the account and Citibank is refusing to rectify the situation and insisting that XXXX XXXX can still sop the payment. XXXX XXXX suggested Citibank call them to verify the validity of the check but CItibank refuses to do it. My entire account is frozen and can not pay for my so n't food, bills and brother 's funeral and cremation. 

This bank is out of control and needs to be stopped. They already have my funds using and messing with people 's lives. This bank is a scammer and a fraud! It old them I want my account closed and give me my money that they have been holding and they refused an keeps telling me I have to wait between 30 to 60 days! This is NOT acceptable. End of the month is here, rent and bills are due or this creates a whole different problem for me. Everything I have they are holding hostage. I need help to get my money asap.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ).

I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of Debt Bondage and would like for all listed accounts to be blocked and deleted company information Transunion. Please delete the following accounts. 
XXXX. XXXX XXXX  XXXX {$4500.00}. XXXX. XXXX XXXX {$1100.00} XXXXXXXX XXXX : {$410.00} XXXXXXXX XXXX XXXXXXXX : {$360.00} XXXX XXXX  XXXX XXXX : {$1400.00}. XXXX XXXX XXXXXXXX : {$1100.00} XXXX. XXXX XXXXXXXX. {$350.00} XXXX. XXXX XXXX : {$8600.00}
Product: Checking or savings account

Hello, since I've signed up with JP Morgan Chase bank. They've been charging my account a {$34.00} fee when my account reaches a negative balance. I have looked at my bank statements from XXXX till now. I called to see if I can get that waived and they said NO, They've only allowed you three reversals a year. which I find unfair. How can you charge me for my account being negative even after money gets deposited into my account to keep it in good standing. I've went over my bank statements and wrote down the months and years I was charged {$34.00} after my account went low as XXXX. I do have bank statements that shows this information as well. 

Year XXXX XXXX {$100.00} XXXX {$34.00} XXXX {$130.00} XXXX {$34.00} XXXX {$68.00} XXXX {$34.00} Year XXXX XXXX {$100.00} XXXX XXXX {$68.00} XXXX {$100.00} XXXX {$100.00} XXXX {$34.00} XXXX {$100.00} XXXX {$270.00} XXXX {$34.00} Year XXXX XXXX {$100.00} XXXX XXXX XXXX {$34.00} XXXX {$340.00} XXXX {$34.00} That's money I could've use on my own businesses.
Product: Credit reporting or other personal consumer reports

On XX/XX/2024, I identified several incorrect addresses listed on my reports from all three major credit bureaus : Equifax, XXXX, and XXXX. These addresses are : I disputed these addresses with each credit bureau via certified mail on the same date ( XX/XX/2024 ) and requested their removal in accordance with the Fair Credit Reporting Act ( FCRA ). While all three bureaus responded within 30 days, they all denied my request. 

The presence of these inaccurate addresses on my credit report is a violation of my right to privacy under the FCRA and could negatively impact my ability to obtain credit and other financial products. Additionally, having my personal information, including future credit offers, sent to addresses where I don't reside is a significant security concern. 

In my dispute letters, I included copies of documents verifying my current address, such as a valid government-issued ID and a recent bank statement. 

I request that the CFPB investigate this matter and ensure the credit bureaus comply with the FCRA by removing these inaccurate addresses from my credit report. I appreciate your time and attention to this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to 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. '' Equifax and XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't 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. '' XXXX is a financial institution by definition under that title. 15 USC 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. '' XXXX the financial institution and the Consumer reporting agencies Equifax and XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to Equifax, XXXX, XXXX, XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. XXXX Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states " 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. 15 U.S. Code 1681s2 ( 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. Equifax and XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Debt collection

I have a flag on my credit report showing I owe a debt from a company I have never heard of- AMSHER COLLECTION SERV for a {$200.00} debt. 

I have not received any notices in the mail or any calls or emails regarding this debt. I have never not paid any of my debts so this seems fraudulent. 

I disputed this with XXXX  and called the collection agency where they told me to call a lawyer called XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to get this removed from my credit report please. It has been on my credit report for over 7 years date open was XX/XX/2015 thank you Name of account : XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute and request an update to my personal information in your records. I recently obtained a copy of my credit report and discovered that some of the personal information listed is inaccurate or outdated. I kindly request that you investigate and make the necessary updates to ensure the accuracy and integrity of my credit profile. 

Name : XXXX XXXX XXXX Also Known As : XXXX XXXX XXXX Date of Birth : XXXX Current Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX Employers : XXXX XXXX XXXX