23daVinci/CFPB_Complaints huggingface dataset:
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 with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 

XXXX XXXX  XXXX loan with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 

XXXX  DHS Child support with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00} I couldn't apply for a home loan because of this negative item on my credit report
Product: Credit reporting or other personal consumer reports

This is NOT A DISPUTE. I believe the information being reported to be inaccurate. 
JPMCB CARD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card or prepaid card

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. This item is reporting late as reported in my 3 Credit Bureaus. Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints. 
WELLS FARGO BANK XXXX Opened XX/XX/2011 Balance {$0.00} Late Closed-
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, XXXX  XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX : # XXXX, XXXX Bank : # XXXX, XXXX XXXX XXXX  XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX  : # XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX # 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 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

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX, XXXX and XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a collections account opened at account XXXX XXXX XXXX XXXX XXXX on XX/XX/2024 with a balance of {$1100.00} that appears related to the aforementioned personal loan account at unknown, a collections account opened at XXXX XXXX XXXX on XXXX XXXX with a balance of {$7000.00} that appears related to the aforementioned rental of apartment or house account opened at XXXX XXXX XXXX, another collections account opened at FAIR COLLECTIONS AND OUT on XX/XX/2024 with a balance of {$3500.00} that appears related to the aforementioned rental of apartment or house account opened at XXXX XXXX XXXXXXXX. These accounts have resulted in several fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud, I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Checking or savings account

I just resolved a complaint with M & T in XXXX XXXX. As we were resolving that complaint, a XXXX transaction that didnt belong to me came into the account. I alerted them immediately that the transaction was invalid and didnt belong to me. I told them to return it immediately because the money did not belong to me. M & T refused to return the money. I have been in touch with the individual that sent the money in error. We have conducted business in the past but he sent the money in error. I explained this to the bank and they refused to return the money. The individual is now considering pressing charges because the {$400.00} has not been returned. I am asking the CFPB to investigate this matter. The bank was trying to clear up the left over negativity balance in my account. They refused to return the money even after my continued requests and then demands to return the money. I will share this complaint number and all correspondence with the individual.
Product: Credit reporting or other personal consumer reports

XXXX XXXXXXXX XXXX XXXX reporting inaccurate name, SSN and late payment. 

This is considered fraudulent reporting and identity theft. 

Requested to be removed. 

Reported to XXXX XXXX XXXXXX/XX/year> to have account removed from all credit bureaus.. 
CASE NUMBER PROVIDED : XXXX Wrong name on account Wrong SSN on account Late payment on account is inaccurate Statement with amount due not received by law 21 days prior to due date. 
CASE NUMBER provided by XXXX XXXX XXXX to have account removed due to inaccurate reporting of above information.
Product: Checking or savings account

I opened a merchant dispute on XX/XX/2024, through the call center for XXXX purchases that the merchant never sent. 
I provided a letter explaining the situation to the bank and also the invoice showing that they will send the order with a delivery date. 
The bank denied the claim saying that thecard was present at the moment of the purchase, it looks like the bank didnt pay attention to the letter and also to the invoice. 
There are several stores that at the moment of the purchase they dont have stock of the products at the same place, and they send it from their warehouse to a specific address. Or like XXXX when you buy a big product like a fridge, you dont carry with you at the moment of the payment, instead they send it. 
The reason for reject the claim is not valid and they should present this to XXXX under the reason " merchandize not received '' and contact the merchant to solve the problem.
Product: Credit reporting, credit repair services, or other personal consumer reports

i tried disputing the accuracy of the account multiple times with the credit bureaus and directly to you guys and nothing is happening every time i send a dispute i get the run around to go back to the bureaus and after i send them a dispute they tell me to go back to you finally i sent a dispute on XX/XX/18 to XXXX  and XXXX with supporting documentation showing that you guys are reporting differently to from XXXX  to XXXX  and i find that odd because i have already submitted multiple disputes with you guys and the bureaus and you both said that all information on the report is 100 % accurate furthermore i see that XXXX   deleted this account how did they delete it if you verified it with XXXX   and XXXX
Product: Checking or savings account

I was offered a loan by a man who asked me to go to XXXX XXXX and get XXXX cards to prove that it was me. The total sum of the XXXX cards were of {$800.00}. 
So I gave him the XXXX numbers I called to ask him how the loan was going. He said he needed {$100.00} more. I said I didnt have it. I disconnected the phone call I knew it was fraud at that time because he was asking me for money, and then I looked on my online banking and there was a provisional credit because before I had a chance to understand what was happening and go to XXXX XXXX  and get the XXXX cards, they pulled the money back out said that they had a dispute My bank is charging me the fraudulent activity amount when they know the whole process is fraudulent. 

The dates of the fraudulent activity was from XX/XX/XXXX to today XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently applied for credit and was denied, upon receiving a copy of my report I found the following errors. I contacted each bureau and received no response at all which makes my situation even harder because I need to move forward with things including my credit and if this is not fixed I will continuously be denied! 
1. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX, IL XXXX. 

2. The following personal information is incorrect Account Number : Employers : XXXX XXXX 3. 15 U.S Code 160XXXX ( a ) XXXX XXXX XXXX Account Number : XXXX There are finance charges that are the sum of all payments. There should be no late payments on this account, especially between the year of XXXX through XXXX. They also have a repossession for this account that is not accurate at all that needs to be removed I have never lost possession of my vehicle, it is outside my house as I Type. 

4. Under 15 USC 1666B this is a billing error. This always paid as agreed ON TIME. This is an error. 
XXXX XXXX XXXX Account Number : XXXX Remove these inaccurate reported late payments. 

5. Under 15 US Code 1681a ( 3 ) this medical collection is in violation and cant be on my credit. 
XXXX XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report.
Product: Credit card or prepaid card

I purchased a XXXX XXXX online at the end of XXXX. The amount on my receipt is {$29.00}. With the company XXXX. However the amount that was charged to my account was {$33.00} and from a different company than what was listed. I disputed the transaction with the merchant with no response at all from them. And with my NetSpend Prepaid Pay Pal Mastercard. I disputed and did what I was told by submitting my proof of dispute for an immediate expedited refund. This particular prepaid card has charged me a monthly fee the day I purchased the card as well as one the month after the account was opened. I still have not received my refund and am being told it can take 90 days. Which is very convenient considering that get XXXX each month my account is open. Now I am being told if I close my account and I get my disputed amount back I will be charged a {$5.00} fee for them to issue a check. I feel like this is outrageous and that as a consumer I am not protected by the master card since it is a prepaid account. I am not sure if anything can be done however I hope there is.
Product: Consumer Loan

I am not disputing the loan in question. I notified the office of my inability to pay and that I would contact when I would be able to start payments again. I mailed a certified letter on XXXX/XXXX/2015 after receiving a visit to my home with a threatening note of coming to my job. The letter will be attached. I received a call at my job from Midwest today with the threat to come to my place of employment by XXXX XXXX/XXXX/15 after my written request that they only contact me by correspondence.
Product: Debt collection

According to my credit report, on XXXX XXXX XXXX is the original creditor and forward the debt in the amount of {$770.00} to a collection agency Fairway XXXX XXXX. I have contacted the debt collecting agency and give them my name and XXXX but they couldnt bring up any account regarding to this matter. On the other hand, I never associated with XXXX XXXX or doing any kind of business with this organization. I have file disputed with XXXX regarding to this account but no result at this moment.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1400.00}, {$4000.00}, {$1000.00}, {$150.00}, {$2500.00}, {$860.00}, {$1800.00}, {$1500.00}, {$1800.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS -- 1. XXXX   XXXX XXXX  XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$1400.00} -This is not my account. 

2. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$4000.00} -This is not my account. 

3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$1000.00} -This is not my account. 


-- COLLECTION ACCOUNTS -- 4. XXXX  XXXX XXXX   XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$150.00} -This is not my account. 

5. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$2500.00} -This is not my account. 

6. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$860.00} -This is not my account. 

7. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$1800.00} -This is not my account. 

8. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$1500.00} -This is not my account. 

9. XXXX XXXX XXXX with ACCT # XXXX opened on XXXX XXXX, XXXX with a credit limit of {$1800.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Starting around XX/XX/XXXX I entered into a loan modification with XXXX XXXX. I began making trial payments. I was informed by the then relationship manager to ignore the late notices, notices placed on the door of my home, the late fees charged to my account, etc " because those are different departments and all that will be cleared up once the loan is actually modified after the trial period. '' I never received notification that the modification trial period had ended and the loan had been officially modified so I continued making trial payments. Beginning in XX/XX/XXXX, XXXX continued to report that I was 30, 60, 90, and even 120 days delinquent on my mortgage to the credit bureaus through XX/XX/XXXX ; finally showing as current beginning XX/XX/XXXX through XX/XX/XXXX. XXXX accepted a nominal loan amount from HUD for the amount XXXX indicated I was behind on my mortgage ; of which I had no knowledge of until a recent deed search of my property. I have struggled with XXXX for over 2 years to correct the reporting to my credit. XXXX informed me that they can not locate a signed modification agreement ; indicating that the loan was never modified. Around XX/XX/XXXX I filed a dispute inquiry with XXXX. The result of that dispute is that XXXX reported that the incorrect information showing on my credit report was indeed correct. So I called a dispute inquiry to XXXX around XX/XX/XXXX. I indicated that since XXXX can not find their own documentation supporting that the loan was modified and the delinquencies reported on my credit were hence inaccurate, then XXXX must correct the inaccurate information on my credit. I was informed at that time the dispute would take no more than 10 business days. I received several letters from XXXX 's XXXX XXXX Department and their Research Department indicating that they " are unable to provide you with a response '' and they need more time. Today is the 32nd business day. I called XXXX 's Research Department this afternoon and I was informed that a decision to my dispute can not be made at this time because they are unable to locate the information needed to conclude the dispute. I was also informed that the matter had been escalated to a supervisor in XX/XX/XXXX and that I should allow them " 4 to 5 more business days to locate that information. '' I sold my home at XX/XX/XXXX and the loan has been paid off. I have relocated to another state and am unable to obtain a mortgage loan because of the inaccurate information reported on my credit. I have also been wrongly charged multiple fees and nuisance people showing at my residence since XX/XX/XXXX related to pre-foreclosure, late fees, sheriff service, etc ... .when all along I was, in my own assumption and with the lack of supporting documentation from XXXX , still in the loan modification trial period. I have additional documentation if needed.
Product: Vehicle loan or lease

In mid XX/XX/XXXX I extended the lease on my XXXX XXXX XXXX with XXXX XXXX. From the first billing Cycle chase began to have a on-boarding issue with payments on my account where I made payments and the payments would be applied to the previous month and create a credit for the month prior and delinquency for current cycle. I was unaware of this issue until mid XX/XX/XXXX when I applied for a mortgage. The lender ran my credit and brought to my attention that chase has been reporting me late to the credit bureaus and I would not qualify on that basis for my loan. I called chase to resolve the matter. I discussed with them at length the issue and it repercussions for myself and my family and I was told that they will not remove the late payments and delinquency from my reporting because it is out of there capacity to do so. I proceeded to hire a specialist to dispute this on my behalf to correct this error so I can Recover and move on with my life. On XX/XX/XXXX I called chase again and asked what it would take for them to show my account as current and in good standing to which they replied I must make a payment of {$1000.00} which I did. My Billing cycle for this account ends on the XX/XX/XXXX of every month. In order to insure myself against future on boarding Issues that may occur with this account I requested a letter of good standing that the account is current and the next payment is due on the XX/XX/XXXX. I went about making my XXXX and XXXX payments for this account on time. In early XXXX I began looking into a new car for lease and Opted for a newer model of the XXXX XXXX XXXX I had. When I began the process It was brought to my attention again that chase had again inaccurately and erroneously reported me late yet again. When I called chase they said I am not late and have no late payments so I asked why Am i being reported late for XX/XX/XXXX they said they don't know why I asked them to correct this and they refused. I have exhausted all means by which to approach this and remedy this with chase and I am in dire need of intervention to correct this and allow me to pick up the pieces from the damages that has come from this situation
Product: Debt collection

On XX/XX/2022, I received an alert notification email about my credit report. I submitted the consumer inquiry on www.procollect.com but didn't get any response. So I got on www.procollect.com web chat with the agent. The agent informed me that I have an account for the XXXX XXXX XXXXXXXX account # XXXX in the amount of {$120.00} + {$7.00} collection fee. The letter was sent to me at the address, XXXX XXXX, XXXX, TX XXXX. Even so my balance in full is due in procollect office later than by Monday, XX/XX/2022 or collection efforts will still continue for my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize or recognize the credit inquiry entry on my credit report. I contacted said company and credit bureau reporting agencies Equifax, XXXX, and XXXX to have the inquiry investigated and/or removed immediately. The credit bureau agency refused to remove the unauthorized inquiry, and I was advised that the reporting company did not respond, and to contact the vendor company directly, notify CFPB, and the FTC accordingly.
Product: Credit reporting or other personal consumer reports

I sent the 3 credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against them because I believe they have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) .This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct or delete the following items : XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$360.00}
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing to formally dispute several inquiries listed on my credit report. Upon reviewing my credit history, I have identified multiple inquiries that I believe are inaccurate and unjustified. I kindly request that you investigate these inquiries and promptly remove them from my credit report. 

Below are the details of the disputed inquiries : XXXX. Inquiry Date : XX/XX/XXXX Creditor : XXXX XXXX XXXX. Inquiry Date : XX/XX/XXXX Creditor : XXXX XXXXXXXX XXXX XXXX. Inquiry Date : XX/XX/XXXX Creditor : XXXXXXXX XXXX XXXX XXXX. Inquiry Date : XX/XX/XXXX Creditor : XXXX XXXXXXXX XXXX I would like to emphasize that these inquiries were not authorized by me, nor do they represent any legitimate applications for credit. As a responsible consumer, I am vigilant about monitoring my credit activity, and these inquiries do not align with any actions I have taken. 

Furthermore, the presence of these inquiries negatively impacts my credit score and overall financial standing. As you may know, excessive inquiries can signal to potential lenders that I am actively seeking credit, which may not be the case. Therefore, it is imperative that these inaccurate inquiries are promptly removed to ensure the integrity and accuracy of my credit report. 

In accordance with the Fair Credit Reporting Act ( FCRA ), I am formally requesting that you conduct a thorough investigation into these disputed inquiries. Please provide me with the results of your investigation and take the necessary steps to remove any inquiries that can not be verified as legitimate. 

I appreciate your attention to this matter and your prompt action in resolving this dispute. Please inform me of the status of my request within the timeframe stipulated by the FCRA. 

Thank you for your cooperation