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

The credit reporting agencies made a settlement with 41 attorney generals that they would not report judgments. I had a judgment in the state of XXXX  and have paid on it as agreed. The XXXX  Dept. of Human services got the enforcement and they are reporting on the judgment. Moreover, pursuant the Tennessee Fair Credit Reporting Act 36-5-106 - Reports pursuant to Fair Credit Reporting Act. ( c ) Reports of delinquent support and the amount of the arrears shall be made only after the noncustodial parent has been notified of the intended action at the last record address required by 36-5-101 ( c ) ( 2 ) ( B ) ( i ), 36-5-805, 36-2-311, and 37-1-151 ( b ) ( 4 ) ( C ) - ( F ) or such other address as may be known to the department, and the noncustodial parent is afforded an opportunity for an administrative hearing before the department to contest the accuracy of such information. The noncustodial parent shall file a written request for appeal of the intended actions as provided by part 10 of this chapter. 
The Dept. of Human Services has not afforded me an opportunity or provided a notice of any adverse action. This should be deleted immediately from my credit report. 

XXXX XXXX has no balance and its company policy to remove the item. Original Creditor was XXXX XXXX. If we are credit reporting your account, it will be considered paid-in-full or paid-in-full for less than the full balance after your final payment is successfully posted. Within approximately 30 days of your final payment successfully posting, we will request the credit reporting agencies delete the XXXX tradeline related to your account from your credit bureau report. This debt has been paid and has not been deleted. 

XXXX XXXX has no balance and its the company policy to remove the item if balance is settled in full with 2 years remaining. Original Creditor was XXXX XXXX. This company has a policy to delete all credit entries that have been paid that are more than 5 years old. This collections is more than 5 years old. 

XXXX  can not be contacted to verify such an account. Their phone is not in service and is reporting information that does not belong to me. This item should be deleted immediately. 

XXXX XXXX has not reported in years and this entry was incorrect due to the fact that the debt was paid to the original creditor and should have never gone to collections and should be deleted immediately. 

XXXX keeps reporting a bankruptcy from the Western District of XXXX and there is no bankruptcy there in my individual name. This info can not be verified by XXXX and is violating my constitutional rights. This should be deleted immediately. 

XXXX XXXX keeps reporting a debt that was paid in 2014 when I moved from XXXX. XXXX XXXX XXXX kept my deposit and actually owes me {$100.00}. This should be deleted from my credit report immediately. 

XXXX XXXX is reporting a civil judgment from the XXXX XXXX, XXXX XXXXXXXX. I have sent in the XXXX balance from the judgment and this should never have been reported on my credit. This should be deleted immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've recently been monitoring my credit report & noticed many inaccurate items, names, and addresses that don't belong to me. You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified or reported inaccurately. The law is noticeably clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand  the following items be deleted immediately : XXXX XXXX XXXX Name ID # XXXX, XXXX XXXX Name ID # XXXX, XXXX XXXX XXXX XXXX Name ID # XXXX, XXXX XXXX XXXX Name ID # XXXX, XXXX XXXX XXXX Name ID # XXXX, XXXX XXXX Name ID # XXXX, XXXX XXXX XXXX Name ID # XXXX, XXXX XXXX Name ID # XXXX, XXXX XXXX XXXX Name ID # XXXX, XXXX XXXX Name ID # XXXX, XXXX XXXX Name ID # XXXX, XXXX XXXX XXXX XXXX Name ID # XXXX, XXXX XXXX XXXX Name ID # XXXX, XXXX XXXX XXXX Name ID # XXXX, XXXX XXXX XXXX Name ID # XXXX, XXXX XXXX XXXX Name ID # XXXX. XXXX XXXX XXXX XXXX, OH XXXX Address ID # XXXX Single family, XXXX XXXX XXXX XXXX, OH XXXX Address ID # XXXX Single family. I have no affiliation with the following phone numbers : ( XXXX  ) XXXX-XXXX, ( XXXX  ) XXXX-XXXX, ( XXXX  ) XXXX-XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax Hello , I have reviewed a copy of my current credit report and it shows the inquiries above are fraudulent and I have sent a copy of FTC report to request removal. I have not been successful and need these removed due to attempting to purchase a home.
Product: Credit reporting, credit repair services, or other personal consumer reports

I keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX and I am the XXXX filing this complaint not some company or not any other XXXX party. I declare under penalty of perjury ( under the laws of the XXXX XXXX, if executed outside of the XXXX XXXX ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by XXXX XXXX XXXX XXXX to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under XXXX XXXX. XXXX. Additionally, these misstatements are punishable as perjury under XXXX XXXX. XXXX. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the XXXX
Product: Debt collection

I opened a dispute with Waypoint Resource Group about a XXXX bill that I never signed up for ( XX/XX/2018 ) - it is possible that a family member used my payment information without my knowledge. 

At this point, I am perfectly willing to pay the ~ {$300.00} to get it off my credit report but every time I call the collection office, their lines are busy and I can't connect or pay through an online portal. 

I would like to negotiate this bill lower due to my lost time in contacting them, and my ( at best ) partial responsibility for the bill.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019, I went to use my XXXX XXXX card, the merchant refused to take my card stating it has been reported as stolen. I looked at my XXXX   credit report, which has dropped points on my report - and in fact, card shows stolen. I contacted the credit card company. They opened an investigation as it shows I has reported the card stolen. It told them that was not the case. As a result of investigation, they concluded that Equifax has reported the card stolen, put a 90 days hold in my account, and took points off my report. I submitted a dispute with Equifax, but because I did not chose to pay for their services, I am unable to retrieve my report. They keep sending me emails telling me to get my report. To my surprised, the site has been down for three weeks. I attached a copy of this. I called them to no help. They claimed they could not figure out who I was after their questions where not understood. Ex : you have a bank loan? I asked which loan - they said we can't identified you. I have more than one bank loan. 
I emailed them, they asked me to email a bogus email address, who stated they did not handle reports. Everyday, I try to enter the site and I still can't get my report. So this situation has created stress plus I continue to see incorrect information in my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/2022 Sent a letter to Equifax stating that these inquires was made by someone other than me. These inquiries was in fraudulent. I asked them to investigate and to please remove from my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to submit an error in esperian credit report, and the phone agent told me to upload files that solve the issue at https : //www.experian.comXXXX. The upload did not work. Then i was told to challenge this error on experian.com as a member at the dispute center. The dispute center said that it was having technical issues. I was told again by the phone agent that they had been having troubles and to keep trying and " maybe it will start to work ''. This issue has extended for days. 

The impact to me is that we are in the process of getting loans, and waiting 30 days plus is not acceptable. If Esperian has incorrect credit information, it should have a functioning process to immediately receive information and resolve the issue. 

From their actions, and many days that it has not been working, it seems they are not taking this seriously and do not have the best interest of the consumer at heart. I can only speak for the days I have tried to use their system. It could have been broken for weeks or months.
Product: Mortgage

XX/XX/XXXX I entered into a repayment plan on a second mortgage requiring me to make an initial payment of {$1100.00} and remaining payments of {$710.00} between XX/XX/XXXX and XX/XX/XXXX. Although I submitted each payment via Chase Bank cashier 's check on time, Chase began denying my payments just before the end of the repayment agreement. Chase Bank returned the payment for XXXX XXXX claiming the payment plan was rendered inactive on XXXX/XXXX/XXXX due to missed payments for the months of XX/XX/XXXX and XXXX XX/XX/XXXX. The payments for these months were processed and sent by Chase employee, XXXX XXXX - Relationship Banker XXXX ID : XXXX. Apparently, Chase Bank had credited these payments to another account but with the assistance of Branch Manager- XXXX XXXX , we were able to correct this error and have the payments allocated and posted to the correct account. 
Branch Manager, XXXX XXXX as well as myself, expected the account to be returned to good standing after confirming the payments were sent to and received by Chase Bank, as well as these payments being properly posted to the account. 
On XXXX XXXX, XXXX I received a letter from Chase Bank ( dated XXXX/XXXX/XXXX ) stating that my repayment plan could not be reinstated because, although XXXX XXXX and XXXX XXXX payments were received and posted to my account, the payment for XXXX XXXX was missed and this would have also resulted in the cancellation of the repayment plan. Chase Bank went on to send a copy of my payment history and according to their own records the XXXX XXXX payment was received and posted to my account as XXXX-FORCE REG PMT INTEREST. 
At this point, with all the investigating and assistance from both XXXX XXXX and XXXX XXXX, there is no question that all payments were sent to and received by Chase Bank and I have in no way defaulted on the contractual agreement. This latest communication from Chase Bank, continuing to reject the legally binding contract entered into on XX/XX/XXXX, for no justifiable reason, is proof of fraud ( A False Representation Of A Matter Of Fact ) on behalf of Chase Bank. Chase Bank has met all elements considered when determining actual fraud : 1 ) Made a false statement of a material fact 2 ) Completely aware that the statement is false 3 ) Clear and unquestionable intent to deceive 4 ) Justifiable reliance by victim on the statement made by Chase Bank 5 ) Financial injury caused by Chase Bank 6 ) Communication by U.S. Mail constitutes Mail Fraud I am requesting the CFPB investigate these allegations and bring this to the attention of the Federal Authorities. Chase Bank has made every possible attempt to default on the contract under false pretenses.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are inaccurate information reflecting on my consumer report such as hard inquiries as soft inquiries names and addresses that I have no recognition of and I want them deleted immediately as this is damaging to my reputation and life.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled update of my credit report, dont see any changes, still this negative account on my name! I already told you before that this account is not mine! I believe that someone used my personal information
Product: Credit reporting or other personal consumer reports

My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed/updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent the attached dispute to Experian on XX/XX/2021 and they haven't respond as they are required by federal law which stated they have to respond in 30 days.
Product: Credit card or prepaid card

Capital One- I'm sending documents on my accounts. I had paid off my accounts on XX/XX/XXXX on cards # XXXX & XXXX. Card # XXXX had expired in XX/XX/XXXX so I cut it up and they sent a new card # XXXX which I never used. That account shows I have a balance of {$940.00}, and I don't know why if I paid the other account off. The account shows that they keep adding amount on it and a card # XXXX on my account was used in XXXX and XXXX at the same I was suppose to using # XXXX, and I was living in Oregon at that time. I would like to have the accounts balances XXXX  out on cards # XXXX & XXXX. The amount of {$940.00} was according to them was from XX/XX/XXXX so if it was paid off in XX/XX/XXXX why does it have a balance.
Product: Money transfer, virtual currency, or money service

HIPAA Violations the bottom line is that all these violations relate in some way to the loss of HIPAA protected health information HIPAA is any demographic information that can be used to identify patient Common examples of PHI include names dates of birth addresses phone numbers email addresses Social Security numbers of insurance ID numbers of health care records and full facial photos to name a few. 
All of these accounts are identity theft. 
Definition of Identity Theft Noun The act of fraudulently obtaining and using another persons identifying information or personal financial documents, such as a signature or bank/TURST account, usually for the purpose of financial gain. 
Identity theft is the act of stealing another persons personal identifying information in order to gain access to his financial resources, or obtain access to other benefits, such as money, credit, or insurance benefits. Identity theft, sometimes referred to as identity fraud, is a crime that carries serious consequences.
Product: Checking or savings account

{$6000.00} fraudulent transactions on my Chase account. 

On XX/XX/year>, around XXXXXXXX XXXX PT, an unknown person logged into my chase online banking account with an iphone device and changed my password, and then the person also changed my address in the account. 

Then two hours later, around XXXX XXXX  PT, someone unknown accessed my account at an ATM machine in XXXX NY, likely using an replicated bankcard as my own card was not lost, and he/she did the following : 1. using the ATM machine, transferred {$5700.00} from my saving account to my checking account 2. withdraw {$3000.00} with " EWithDrawal '' from my checking account 3. using the ATM machine, withdraw another {$3000.00} from my checking account Then I got an alert from chase bank regarding one of the {$3000.00} transfer, asking me whether I did it. I replied NO. Chase canceled the debit card. I also found that my online banking account was also locked by Chase. 

I contacted Chase in the afternoon. With the help with Chase representative, I unlocked the online banking account, and found the unauthorized withdrawal and other suspicious activities like the change of addresses. The Chase representative filed dispute for the unauthorized money withdrawals on my behalf. Further, I personally went to a bank branch, closed down the hacked accounts of checking and saving, opened new accounts and transfer the remaining money to the new accounts. 

But until now, Chase has not yet got back to me regarding the transaction disputes and my {$6000.00} still missing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have Fraudulent Accounts on my credit reports for XXXX, Equifax, & XXXX I have disputed these accounts multiple times. 

Fraudulent Account : 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: Debt collection

XXXX XXXX XXXX is reporting negatively on my credit report XXXX XXXX XXXX is reporting negatively on my credit report and I was n't aware of the reporting until I checked my credit report and saw it. I have n't received any type of bill or notification of the past due amount but yet the company felt the need to report it negatively on my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

XXXX XXXX XXXX XXXX. # XXXX, has violated my rights. 
XXXX XXXX XXXX. # XXXX XXXX XXXXXXXX. # XXXX 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.
Product: Debt collection

I sent a debt validation letter on XX/XX/2021 to Debt Recovery Solutions located at XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX and they received my request on XX/XX/2021. This company has failed to validate my debt. Instead they sent me a bill which is not what I requested. Please delete this information from my credit file and cease all collections activities immediately.
Product: Checking or savings account

My name is XXXX XXXX, I called my debit card company immediately after getting an alert on XXXX or account balance is low. I did NOT Authorize {$510.00} to be transfered from my account. I called immediately filled out paperwork emailed and mailed copys within the timeframe. I want my Money put back on my card Its not right Im not responsible for this happening. I work very hard for my income and I want this fixed. Im very upset everytime I called they say you have to write for response. I did write to the address they gave me for dispute responses and still nothing. I am being taken advantage of and want this corrected Now.
Product: Checking or savings account

On XX/XX/year>, I transferred {$5000.00} out of my XXXX account to my checking account. The funds were available on XX/XX/year>. I hadnt used this account in a while and no longer had a debit account. I requested one be mailed to me. They said Id have a digital debit card in the meantime. However, when I went to use that digital card, the bank app showed it was temporarily unavailable. 
On XX/XX/year>, the digital card Was available and I used it to transfer {$1600.00} to XXXX XXXX so I could have access to cash. Also on XX/XX/year>, I got an email from the bank saying my account had been closed and I should Call A phone number they provided me. I called that number to inquire about what happened and they said they closed my account Because I was not in compliance with internal policy and that I should read about that on their website. They also told me they would not refund the money that was in my checking account, which should be {$3400.00}. I asked why and they said that was their policy. I am lost and they wont give me any more information.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and equifax are reporting 26 inaccurate late payments on closed student loan accounts that I was never late on. XXXX have already removed the inaccurate late payments. The loans was reconsolidated into 1 loan and they are still showing the inaccurate late payments from the previous student loans. My student loans has always been in good standings.