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

XXXX XXXX XXXX Reported : XX/XX/XXXX {$1200.00} XX/XX/XXXX Reported : XX/XX/2019 {$79.00} There are no contracts, no valid claims ... accounts were settled original with creditors and has been confirmed, grave errorsfalse claims and reportingI want these accounts removed immediately or litigation may follow. Debts can not be collected twicethis is unlawful Yet again, you continue to report this and failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature.

As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting.
Product: Credit reporting or other personal consumer reports

XXXX XXXXXXXX run my credit i never been there to do no application i call them and they say i need to call CFPB because they can help me and they don't have any information i never been there
Product: Credit reporting, credit repair services, or other personal consumer reports

I bought this time share XX/XX/XXXX, paid 1 payment then couldn't use the facility or any other facility. I called the time share company up & said I don't want to buy this type of a scam & never paid on it again. Since XX/XX/XXXX my credit report is showing my high credit amount is {$490.00}, my last payment was XX/XX/XXXX, my balance owed is {$15000.00} noting " reclaim colltrl to settle dflt mtg ''. The only thing that may be correct is {$490.00} I paid. I should owe that company nothing because i received nothing for what they promised. This is a scam & they should not be allowed to be in business. I've called the company many times, they refuse to remove anything from my credit report.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX, SCREENING REPORTS ARE FICTISCIOUS COLLECTION AGENCIES FOR IMPACT REC ALLOWED VIA EQUIFAX. THEY HAVE A SAM GOINGG. THEY ARE DECEPTIVE BUSNESS PRACTICE.
Product: Credit card or prepaid card

In XXXX of 2022 I submitted a dispute for a service that never took place due to XXXX XXXX. I am over 180 days later and the issue has not been resolved. When yiu attempt to call customer service you are on hold for over XXXX minutes only to get disconnected or hung up on by an agent. I sent numerous emails and I just keep hearing this will take 90 days. We are over 180 days now and still nothing clear about what is happening. And I am getting very frustrated with getting clear answers.i believe this is happening because once I pay off the card they will no longer offer a refund. So they are prolonging it so that I don't receive a refund
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to the company to correct or remove the account. I had the Credit Bureaus contact the company to remove the balance or remove the account in full. I know according to the FCRA I have a right to the following : Dispute incomplete or inaccurate information in your report. and Credit reporting agencies are obliged to correct or delete inaccurate, incomplete or unverifiable information. Im very unhappy at the fact that there is inaccurate information on my credit report, and the furnisher failed to submit sufficient proof to validate the inaccurate account.
Product: Credit reporting or other personal consumer reports

Complaint Regarding Credit Report Inaccuracies Dear CFPB, I am writing to file a complaint regarding inaccurate information on my credit report. I have been actively disputing these inaccuracies with the credit bureaus, but they have failed to adequately investigate my claims or remove the incorrect information. In accordance with the Fair Credit Reporting Act. I attached the PDF file below containing the list of items that have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Credit Bureau stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify or delete accounts that aren't reporting correctly.

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. 

I also believe that the credit bureaus have violated the Fair Credit Reporting Act ( FCRA ) by failing to : 1. Investigate my disputes in a timely and reasonable manner : The credit bureaus have not provided a clear explanation for their decision not to remove the inaccurate information, and I believe their investigation was inadequate.

2. Furnish accurate information to creditors : The inaccurate information on my credit report is harming my ability to obtain credit and other financial services.

3. Follow the FCRA 's dispute resolution procedures : The credit bureaus have failed to comply with the timeframes and procedures outlined in the FCRA.

I am requesting that the CFPB investigate my complaint and take the following actions : 1. Order the credit bureaus to remove the inaccurate information from my credit report.

2. Require the credit bureaus to provide me with a copy of my updated credit report reflecting the changes. 

Enclosures : Copies of my dispute letters Copies of any supporting documentation I provided to the credit bureaus
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 15 USC 1681. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries. 

XXXX XX/XX/year> TransUnion 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: Credit reporting, credit repair services, or other personal consumer reports

why is this on my credit report? CHAPTER XXXX BANKRUPTY DISMISSED XXXX, I cant locate it with the courts system.. Equifax, XXXX and XXXX did not provide any proof to justify their reporting. XXXX sold this information to the credit bureaus, Reporting public records when courts itself do not furnish any of this information! This is illegal so remove it Please get this public information removed because it is a violation of the Fair Credit Reporting Act to report false information
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX debt bondage, which falls under XXXX according to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX Debt Bondage and would like for all listed account to be blocked and deleted company information from TransUnion. 

Please delete the following accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Sequium Asset Solutions , LLC has sent me a letter. They state that I owe {$150.00} for an account that doesn't belong to me. The Creditor they claim I owe is XXXX XXXX. The date they have on their letter is XX/XX/21. I have mailed them a letter via certified mail asking that they send me proof that I owe this debt. Sequium Asset Solutions , LLC has failed to do that. They had 31 days to respond to my letter and they failed to do so.They have spelled incorrectly in their letter. Because that isn't me who owes the debt. Now their destroying my life because they put a derogatory remark on my credit report.
Product: Money transfer, virtual currency, or money service

On XXXX I have conducted the payment in the amount of XXXX XXXX USD from my account with XXXX XXXX account of XXXX XXXX ( XXXX ) XXXX opened with XXXX XXXX XXXX BANK XXXX XXXX ) XXXX. JP Morgan Chase Bank was an intermediary bank in this chain. After this XXXX XXXX XXXX XXXX  ( XXXX ) XXXX reported to JPMorgan Chase bank XXXX. that XXXX XXXX XXXX XXXX  ( XXXX ) XXXX made a return in case of private policy. XXXX XXXX XXXX XXXX  ( XXXX ) XXXX made the reverse payment through XXXX  XXXX XXXX, New York. 
On XXXX XXXX, 2022 XXXX XXXX XXXX under the XXXX XXXX XXXX. Considering this, my payment must be blocked by intermediary bank according to XXXX sanctions regulation. In order to unblock the payment, I need to apply for a specific license to XXXX. However, JP Morgan Chase Bank or XXXX  XXXX XXXX, New York have not still blocked the payment or have not informed originating bank about freezing measures. Thus, I can not apply to XXXX for a license that is necessary to unblock my funds because to do so, I must fill in some data and specifically the date when the payment was blocked. Otherwise, XXXX XXXX not locate the records of the blocked payment. On XXXX, XXXX, XXXX, XXXX, XXXX we tried to contact JP Morgan Chase Bank and XXXX  XXXX XXXX, New York via XXXX from XXXX Bank XXXX XXXX to clarify if the payment was blocked and reported to XXXX and XXXX. Still, JP Morgan Chase Bank and XXXX  XXXX XXXX, New York have not responded. Thus, I can not apply to XXXX for a license that is necessary to unblock my funds.
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had one late payments on an account that I was never late for Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : ( XXXX XXXX XXXX XXXX XXXX XXXX  ) Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER late. Thanks.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter of verification to Experian regarding an collection on my credit report on XX/XX/2020 and they have not respond. I sent another letter on XX/XX/2020 telling them the Fair Credit Reporting Act, Section 611 ( a ) ( 5 ) gives them 30 days to investigate, if they cant verify the information they must delete the account or they can receive a {$1000.00} fine. I have still not received verification, a deletion from my credit report, or even a response from Experian 60 days letter. Each letter was sent via certified mail so I have the letters I sent as well as the signature from the US Postal Service verifying the letter was received and signed by a person from Experian. I am filing a complaint with you, because now Experian has now broken the law by failing to respond and not deleting the account from my credit report.
Product: Mortgage

In XXXX of this year my loan was transferred to PHH Mortgage from Ocwen Loan Servicing. PHH has been misapplying my payments to principle instead off the normal monthly payment due. I made a phone-payment for XX/XX/2019 with conformation number of XXXX for {$200.00}. That payment does not show up on the XXXX statement. on XX/XX/XXXX, I made another phone-payment for {$200.00}, conformation XXXX XXXX, that should have been for the XXXX payment. Those monies were entirely misapplied to principle. This caused the XXXX payment to be missed and now that payment shows a past due amount of {$100.00}. I have tried to contact PHH by phone but their system will not permit direct contact with someone to talk with, and the automated system does not provide answers to how payments were applied, retrieving payment history, correcting payment errors, or adjusting payment due dates. Additionally PHH is sending the monthly statement late. The statement is printed on the XXXX of XXXX but it arrived on XX/XX/XXXX with a due date of XXXX the XXXX. This inherently creates an intent to create a late payment fee.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 3rd endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 



XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$990.00} ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX CREDIT/XXXX  F XX/XX/XXXX ; XXXX MOTORS XX/XX/XXXX ; XXXX CREDIT/XXXX  XXXX  XX/XX/XXXX XXXX XXXX XXXX AUTO FIN XX/XX/XXXX XXXX XXXX XXXX AUTO XX/XX/XXXX ; XXXX  XXXX AUTO FIN XX/XX/XXXX ; NXXXX  CAR XXXX  XX/XX/XXXX ; XXXX  FL XX/XX/XXXX ; XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

In XX/XX/2024 I entered into a payment plan to bring my mortgage current. I have made payments every month in the specified amount of {$3800.00} as of the writing of this complaint. Unfortunately, the payments have not been reported to the credit bureaus, which shows missed payments. This has been a terrible detriment to my credit score and has prevented me from receiving the favorable interest rates that I deserve on numerous purchases.
Product: Checking or savings account

Approximately on XXXX XXXX, 2020, I went to Chase Bank in XXXX, GA to make a withdrawal and was advised by the teller my checking acct had been 'restricted ' as an SBA Loan had been deposited to account. I was asked for documentation to prove ownership of the loan, but I needed more information, so I contacted the Chase Bank XXXX # and was transferred to a Business banker ( Mr. XXXX ) who told me to present, the 'approval letter ' and my 1099 and that they would unblock my account. These documents were provided via my email on my cell phone, but these documents weren't sufficient per the onsite banker, she stated they needed documents reflecting I was registered with the State of Georgia and must have the ability to show ownership and association to the business. I advised the lady as an XXXX XXXX with a XXXX working status for the Driving agency I wasn't required to register with the State and that ownership is further proven by my earnings ( from said company ) deposited weekly to my Chase Bank checking account and too, technically I'm not required by law to have a 'business account ' with any bank as an XXXX. Again, I was refused access to my bank account. 

Later, I traveled 35 miles back home to obtain any/all documents ( i.e, 1099, approval letter, Security Agreement and Loan Agreement docs ) and walked said documents into the Chase Bank-XXXX XXXX, XXXX XXXX, GA bank. These documents were reviewed and then scanned over to the Business Banker/Fraud Division of Chase Bank ( to be found in the XXXX documents file ), as the teller inside couldn't provide me with an answer about re-opening my account. I was told they would call me back by EOD. I returned home and went to the Chase Bank online services-secure-message and again sent the documents along with my explanation of being a XXXX XXXX with a 1099 filing status. 

ByXX/XX/XXXX, I have visited the branch three ( 3 ) times, I have called more than 10 times speaking to numerous representative ( XXXX, XXXX, XXXX, XXXX ) in both the Business Banking division and the Fraud division. I sent numerous emails to Chase Bank corporate office ( attn : XXXX XXXX ) ; speaking to XXXX ( no last name given ) at XXXX onXX/XX/XXXXwho stated they are reviewing the documents and to call back on Friday, XX/XX/XXXXbut I waited to call on Monday, XX/XX/XXXXleaving a vm. XXXX called back by EOD advising she needed me to show ownership, again I explained my status. Further, I sent numerous email to SBA ( XXXX XXXX-XXXX XXXX, XXXX XXXXXXXX XXXX   XXXX, XXXX, answer desk ) advising of my issues/concerns. I've been told the documents ( Loan agreement, Security Agreement ) are legal documents and are proof of ownership to the loan. 

As of today 's date,XX/XX/XXXX my account is still restricted, I have no access at all to any of my funds, per the bank they will be closing my account and holding this SBA loan in suspension as well as all unrelated funds to this loan, which is hindering me from paying all bills, insurance, monthly ach withdrawals, unnecessary late fees etc ... Please assist me in this matter as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit bureaus will not allow me to access my credit reports online or by phone.
Product: Credit reporting or other personal consumer reports

I appreciate your assistance in getting some of the fraudulently obtained data from my credit file removed, but there are still items that need to be blocked or removed. You must remove all records listed on an ID THEFT REPORT in accordance with FCRA section 605 of the regulations. I am proactively including this report again because I proactively remembered it for a previous letter. I have informed my attorney of my intentions, and they are willing to hold you accountable for your persistent disobedience. 


XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

I paid the amount agreed upon and they sent me a deletion letter that was sent to all 3 credit reporting agencies. I would like this removed from my credit report
Product: Credit reporting or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT ACCOUNT XXXXXXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 Credit Bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to be investigated and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX Balance : {$14000.00} XXXX XXXX XXXXXXXX Balance : {$12000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inclusion of certain accounts on my credit report, as their presence is unauthorized and in violation of consumer protection laws. I expect your immediate attention and resolution of this matter to ensure the accuracy and fairness of my credit history. 
XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX  Balance : {$360.00} XXXX XXXX XXXX XXXX Balance : {$380.00}
Product: Credit reporting or other personal consumer reports

I have sent several goodwill letter regarding my late payments but I have not heard back regarding this matter. I
Product: Debt collection

I started a landline phone and internet service with XXXX XXXX on behalf of my XXXX year old father who lives alone on XX/XX/2020. I was remodeling the home where my father lives along with several other subcontractors. XXXX failed to complete the installation for the internet that was never used. The landline had spotty reception at best. The installer for XXXX told me he was going to " Check on the signal '' but he never returned to complete the installation. 

I called XXXX the next day to ask why he didn't finish and that i needed somone to return to complete the installation ASAP. They told me I had to pay {$75.00} for a service call! 

I told them this was not acceptable. Your installed never comleted the installation. 

I got a letter from a collection agency Credit Control Corp in XXXX XXXX Virginia asking me to dispute verify or dispute this account. I sent the a letter dated XXXX XXXX telling them about this situation with XXXX and that i never signed a finish work order because the work was never completed. I asked for validation of the debt and a signed work order. 

On XX/XX/XXXX ( Post marked ) almost two months later the only thing Credit Control Corp sent me was phone calls my father made mostly to me complaining the phone service was terrible and XXXX XXXX never completed the installation of the internet. 

I called Credit Control Corp today XXXX and they refuse to consider XXXX XXXX did anything wrong or should provide any further proof of this installation not being completed. 

Credit Control Corp can't send me validation the debt exists or the work was performed. I have 5 sub contractors who werre working at that house that day who can verify everything i say here. I made it clear my father needs service and i am willing to pay after installation and service that works properly.

It took almost two months of my credit being negatively effected for Credit Control Corp sent a letter back that proves nothing but negligence from their client. They wasted no time at all to ding my credit but took their time to prove the debt should exist. 

I never signed any work order for completion. Credit Control Corp should remove this from my credit report now.