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

I sent Bureaus Letter dated XX/XX/XXXX but still incorrect information is being reported to my personal credit file. The XXXX, XXXX and TransUnion Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. XXXX, XXXX and TransUnion have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
XXXX XX/XX/XXXX, XXXX XX/XX/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 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 XXXXXX/XX/XXXX
Product: Credit card or prepaid card

I have been a loyal customer with JCPenny and have had a store card with them for several years. Synchrony Bank is now the lender for JCPenny and I recently received a letter in the mail that my credit limit was reduced from {$1800.00} to {$100.00}. I have a perfect payment history on this credit card, I have never been late. The decision was based on several factors including : Not enough balance paid down over time on first mortgage accounts. Due to the Pandemic, my husband and I had to get hardship assistance on our mortgage. This was no fault of ours that we needed to get assistance. We were assured that this would not impact us negatively if we received hardship assistance on our mortgage. Synchrony Bank/JCPenny has made a permanent decision that impacts my credit score negatively because of temporary hardship assistance that we needed during a pandemic. Synchrony Bank/JCPenny should not have the ability to lower my limit during a pandemic based on hardship assistance that I received during a pandemic, I should not be punished permanently due to a temporary hardship that was no fault of mine. There should be a moratorium on credit limit decrease until after the pandemic.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX States I have the right to privacy. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX It also states a consumer reporting agency can not furnish a account without my written instructions XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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. 

XXXX XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

I've had an Amazon Prime CC through JPMorgan Chase Bank, N. A. for years. 

Chase emailed me an offer to open a checking and savings account with a {$500.00} dollar incentive so I thought I'd try them out. 

I open both accounts online through my online access with the CC  I had with them. 

I was told that in order to install their Mobile App I had to have either a debit or ATM card so I ordered an ATM card. 

ATM card arrived in the mail with no PIN and no instructions to active. 

I went online and chose a PIN. 

I transferred funds from my XXXX XXXX XXXX online savings account to avoid any fees. 

I received notice that the transfer was successful from XXXX XXXX XXXX. 

When with the Chase User ID and my account is locked out for suspicous activity. And I've called, and and I've visited their branch and they have no way to make an appointment without me logging in online. 

XXXX XXXX they had 2 bankers and 20 minutes later they said they have no appoints available today but I could drive to another city to prove who I am. 

Talk online and they are unable to send me a text to verify who I am and can not make me an appointment to visit a branch either. 

At this point I consider my XXXX stolen and will have to file a police report document the XXXX dollars and the facts and they will deal with it.
Product: Credit reporting, credit repair services, or other personal consumer reports

i am showing a secured loan on my credit report from self lenders that i have been paying monthly but never received a loan i also didnt even know i was making payments i believe it was set to auto pay and it shows as a secured loan. i am getting constant offers for loan approvals never applied for and also have issues with XXXX credit card XX/XX/XXXXcredit cardXX/XX/XXXX all showing inaccurate charges i have had to submit inaccuracies to my bank and believe i am a victim of ID theft.
Product: Credit reporting or other personal consumer reports

I would like to dispute an inaccurate, untrue, incomplete, untimely, not compliant, and/or possibly not even of my ownership of responsibility allegation of a derogatory item that I see you currently have on my credit report. While studying my report, I have come across a number of mistakes and inaccuracies that you are reporting. Please review and eradicate any and all of these following unproven true, correct, complete, timely, mine, my responsibility, FCRA compliant, Metro 2 Format compliant or else wise compliant to every single one even each any and all of the regulations applicable laws and/or applicable standards of reporting of which you are undoubtedly mandated in your reporting obligation ( s ) to obey without default or deficiency of any sort.

The following challenged information is among such allegations of which each and one all require immediate deletion or removal from reporting otherwise. I demand rightfully that you do so today, even now and here!

Your agency is in violation!

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Delete this at once!

Listed below are the Accounts that are being challenged XXXX XXXX XXXX XXXXXXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : 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  Listed below are the Inquiries that are being challenged 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

XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX Date of Birth : XX/XX/XXXX SS # : XXXX RE : You Violated The United States Code Law 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report.

As a consumer by law these accounts on this letter must be deleted immediately or I will seek monetary damages in small claims court in my city and state. Also, we already involved and sent this letter to the Consumer Financial Protection Bureau, Attorney Generals Office, Better Business Bureau, and Federal Trade Commission. 
XXXX. The following personal information is incorrect PREVIOUS ADDRESS : XXXX XXXX XXXX, CA XXXX This address is not correct. Delete it immediately from my report. 
XXXX. The following personal information is incorrect PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, CA XXXX This address is not correct. Delete it immediately from my report. 
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed. 
XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed. 
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed. 
XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed. 
XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed. 
XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed. 
XXXX. Please remove it from my credit report. 
XXXX XXXX Account XXXX : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. 
XXXX. Please remove it from my credit report. 
US DEPT ED Account Number : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Us Bankruptcy  XXXX  I went to the courts they have nothing matching my social security. They could n't give me proof because they do n't report to the credit bureau. They told me they could not help because they do n't have any record for me.
Product: Debt collection

Amerifinancial Solutions has listed themselves as a " XXXX XXXX on my XXXX credit report. Per FDCPA 807 ( 2 ) ( a ) this constitutes a violation of FDCPA.

" A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 3 ) The false representation or implication that any individual is an attorney or that any communication is from an attorney. ''
Product: Credit reporting or other personal consumer reports

I was a victim of Identity Theft, my former roommate opened a XXXX XXXX with XXXX XXXX Credit Card account in my name and pretended to be me racking up thousands of dollars in debt that caused my credit score to tank. In addition, I lost my employment between XXXX XXXX XXXX which put me further into debt along with losing my home, my car, being homeless for nearly two years with no unemployment, no family, no friends and various mental health issues that have prevented me from being employed. I AM ASKING THAT THEY COMPLY LIKE THEY SHOULD AND REMOVE BOTH ACCOUNTS FROM MY CREDIT REPORTS ALONG WITH THE REIMBURSEMENT OF LEGAL FEES. I AM SICK OF THIS SITUATION WHICH HAS PREVENTED ME FROM WORKING A REGULAR JOB AND HAVING A PERSONAL LIFE
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX AND EXPERIAN ARE REFUSING TO REMOVE 2 ACCOUNTS, THE TOTAL TIME FROM DISPUTES EXCEEDED 138DAYS FOR XXXX XXXX XXXX XXXX ACCOUNT FOR {$290.00} AND XXXX XXXX XXXX FOR {$310.00}.
Product: Checking or savings account

On XX/XX/2023 I filed a dispute with Chase bank concerning my deposit of {$1600.00}. I received an error message saying were having trouble and printed out a receipt. Upon receiving the printout, I called the bank to make them aware of the error and which I provided the information off the printout and was told it will be investigated. Fast forward to XX/XX/2023 I checked my documents and letters to check the status and saw the claim was denied so I called the bank. I spoke with the first representative who told me the only way I could reopen the claim if I have the paper and I did not keep the paper because I thought once I provided the information, it would be resolved. She basically told me, theres nothing they could do without that receipt. I asked to speak with a supervisor name XXXX and he told me the same thing so I filed a complaint with XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted XXXX and XXXX. I have provided them police reports, identity theft documentation, and written requests to remove invalid medical debt. I am a victim of identity theft. 

I do not live in Florida, and therefore do not have medical debt in Florida. 

Furthermore, I am a 100 % XXXX veteran and all my medical expenses are 100 % covered by the Department of Veterans Affairs.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, 2017 I logged into XXXX XXXX and I see that my XXXX XXXX account and my XXXX XXXX account is not showing up on my account and has cause my length of credit history to go down and my credit utilization has gone up due to these accounts being removed from my account.
Product: Mortgage

FIRST MY HUSBAND HAD A XXXX IN XX/XX/2019. HE WAS OUT UNTIL THE MIDDLE OF XXXX FROM WORK. SO OF COURSE WE FELL BEHIND. THEN COVID19 HIT AND WE'RE FORCED TO STAY HOME WHICH PUT US EVEN FURTHER BEHIND. I CONTACTED THE MORTGAGE COMPANY TOLD THEM OUR SITUATION AND WANTED TO USE THEIR COVID19 HELP PROGRAM THAT THEY SUPPOSIDLY HAVE GOING ON. THE REP ON THE PHONE TOLD ME A FLAT OUT NO THAT THEY WERE NOT GOING TO HELP US! CONTINUING TO FALL BEHIND EVEN MORE NOW- We FELL SO FAR BEHIND I WAS SCARED OF LOSING OUR HOME. SO I CALL AGAIN TO ASK THEM TO PLEASE HELP US. THE REP ASKED WHEN I CALLED LAST TO TRY AND GET THE COVID19 HELP AND HE HANGS UP ON ME! I CALL BACK AND TOLD THEM EVERYTHING A~GAIN AND THEY SAID THEY SAW NO CALLS FROM ME AND WE ARGUE BACK AND FORTH ABOUT IT. ONCE AGAIN THEY HANG UP ON ME!! THEY'VE CHARGED US LATE CHARGE AFTER LATE CHARGE AND THEN LATE CHARGES ON TOP OF LATE CHARGES! I JUST DON'T KNOW WHAT TO DO?! MY HUSBAND FINALLY WENT BACK TO WORK. HE ALSO HAD TO CALL HIS DAD BECAUSE THE MORTGAGE COMPANY WAS THREATENING TO TAKE OUR HOME- HIS DAD IS XXXX YEARS OLD AND HAS NO EXTRA MONEY BUT LOANED US IT ANY WAY PUTTING HIMSELF BEHIND ON ALL HIS BILLS~!! WE WERE ONLY ASKING FOR HELP THRU THE MORTGAGE COMPANY FOR 3 REASONS 1. ) IN FEAR OF LOSING OUR HOME 2. ) THEY OFFERED COVID19 HELP 3. ) WE NEEDED HELP DUE TO COVID 19. PLEASE HELP THANK YOU
Product: Debt collection

In mars Im found out I have XXXX $ in my credit report for XXXX XXXX now change in XXXX the name in chapter XXXX XXXX I was call the first number they can fount nothing in my name I call XXXX they cant found nothing in my name I told them try my social security they told me they found I have a all account in my social security in different name I try to talk to them to told me I have to pay for that bill I have XXXX   XXXX in past but I was returning the equipment in pay I told them to found in different office for my payment they said to me I have to done that by my self
Product: Vehicle loan or lease

I was XXXX during the time of the loan this is identity theft
Product: Debt collection

Original problem ( still exists ) : Nelnet keeps sending me emails saying that I owe {$0.00} and now days after that they're saying that I'm past due and owe a large sum of money. They also have not put me on the SAVE repayment plan that I enrolled in at the US Department of Education 's website months ago. I have copies of the emails showing that they said that I owed " {$0.00} '' up until a few days ago. Additionally, they don't offer any options for a forbearance while we figure this out. Please help me get a new servicer or get this fixed.

Update : They responded to the last complaint that I filed with you with general account information instead of answers.

They refuse to respond to my emails for months except with general information. They are refusing to answer questions and offer solutions.
Product: Checking or savings account

XX/XX/XXXX I sent a XXXX  payment of {$470.00} to a landlord for half of the deposit for an apartment. Later to find out that the landlord was a scam. I have pictures and Receipts of the company they claimed were part of the apartment company stating that I had to pay a deposit after being approved and seeing the apartment in person. When I told them I needed more proof and to speak to the landlord before I sent the other half of the deposit, they deleted the link they sent me to apply and blocked my number.
Product: Credit reporting, credit repair services, or other personal consumer reports

This car loan has been on my credit report over  7 t o 10 years and should be deleted immediately.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the reporting of late payments associated with my account for the dates of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. This information is inaccurate and negatively impacting my credit report and, consequently, my means of living. 
Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681a, I assert my rights as a consumer to dispute any inaccurate or incomplete information on my credit report. I am requesting that you remove these late payment records entirely from my credit file rather than verifying them. This request is made under the principle that any negative reporting that does not accurately reflect my payment history should be removed.

Additionally, I would like to draw your attention to the provisions under 15 U.S.C. 6802, which mandates the proper handling and safeguarding of consumer information. It is imperative that your institution adheres to these regulations to maintain the integrity of my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2018 I filed a dispute against XXXX XXXX XXXX. The dispute was validated and removed the ac ch int from my report. Now the account is back on my report with a different credit bureau ( XXXX  ). Also the start date was changed which re starts the statute of limitations. Which is illegal.
Product: Consumer Loan

CNAC ( J D Byrider d/b/a CNAC aka XXXX XXXX, XXXX XXXX, XXXX, IN XXXX, XXXX ) delivered a Faulty automobile title, + held my own sale hostage while demanding a phony claim payment of {$110.00}. My CNAC statement clearly and unequivocally states " Paid in Full - No Balance Due ). 
On XXXX XXXX, XXXX I purchased a XXXX XXXX XXXX XXXX at J D Byrider / CNAC, and used their CNAC financing. 
On XXXX XXXX, XXXX I closed my loan with CNAC and received a signed statement " Payment in Full, no balance ''. 
Upon closing my sale of my car XXXX yrs later on XXXX XXXX, XXXX, I discovered that CNAC had in XXXX sent me some sort of FAULTY DUPLICATE Title ( of which I had no knowledge or awareness necessary to ID a faulty/unacceptable title ). CNAC now ( on XXXX/XXXX/XXXX ) claimed some bogus balance due + interest/fees equaling {$110.00}. They would not provide the actual title unless I paid them. SO CNAC held my sale HOSTAGE for an INAPPROPRIATE, PHONY claim. I did not expect this problem so I did not have the Signed statement re " Payment in Full, no balance ''. I had no choice but to pay CNAC, otherwise I would lose my sale. 
As a large financial firm, I can not believe this is an innocuous, honest mistake. Rather this appears to be a phony rip-off, hoping that prior customers do not have their paperwork, allowing CNAC to strong-arm customers for bogus fees and claims, while using faulty titles as XXXX mechanism. 
And regardless, as a large financial firm, CNAC/J D Byrider has a duty, including Truth in Lending standards, to maintain accurate records and provide accurate, honest documents. 
Upon requesting the assistance of the XXXX, CNAC chose to blatantly ignore and not even reply to XXXX XXXX inquiries. A reputable company with a legitimate position on a matter would never just ignore an inquiry. That intransigence further indicates CNAC is knowingly and willfully engaging in Faulty Claims, Faulty Documents, Misrepresentations, and numerous Truth-in-Lending violations and disregard.
Product: Credit card or prepaid card

Good afternoon! 
I tried reaching out to the Discover credit card company on XX/XX/XXXX regarding my late payment. I am having trouble financially. I was told by XXXX that there are XXXX programs that may be able to help me. I did not turn this offer down, I told her that I needed time to see which program I would most benefit from. Moving forward, I called back again on XX/XX/XXXX with the program I had decided on. This time I spoke with XXXX. He told me I had declined the programs and that there was nothing he could do. So, I called back and talked to XXXX, and she told me if can pay the minimum payment of {$170.00}, I would be able to choose a payment program. That being said, I did pay the {$170.00}, only to be told by ( I think her name was XXXX ) that there was no program available. I then asked to speak to a supervisor- ( I did not get his name ). He said that my account is still showing deliquent, and until I paid the remaining minimum balance of {$150.00}, there was nothing he could do. Also, he said for me to call back after making this payment, that there was a possibility that there may some type of program but that he couldn't promise anything. I repeatedly said that I didn't refuse the programs, I just needed to decide which one. They take that as a refuse, and then they refuse to help you. The XXXX programs I was originally presented with was a XXXX XXXX reduced rate at XXXX, and then a temporary hardship program for 6 months at which time I would pay {$75.00} monthly, and that I wouldn't be able to use my card in that XXXX month time period. I was given false information, and feel that I was tricked about them actually being able to help me.