23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Placed dispute on incorrect addresses, advised of correct address with ID and current utility bill.
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 detrimentally affected me and violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX XXXX  XXXX XXXX 15 U.S.C 1681 section 602 A States I have the rights to privacy. 

15 U.S.C 1681 section 604 A section 2 Also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section states : 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. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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 or other personal consumer reports

To whom it my concern, I recently received a copy of my TransUnion credit report, I noticed some late payments posted on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Your company is in clear violation of the law. Under 15 USC 1681b permissible purpose of consumer reports, THE LAW CLEARLY STATES ( a ) IN GENERAL Subject to subsection ( c ) any consume 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 Did I give you written instructions to furnish this account on my credit report? 
Furthermore, the FAIR CREIT REPORTING ACT 15USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSION Except as provide in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681 of this title any- ( i ) report containing information solely as to transaction or experience between consumer and the person making the report Delete the above late payments accounts from my consumer report, this agency is in violation of 15 USC 1681.

Failure to respond satisfactorily with deletion of the above referenced account & send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Deformation of character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collection Practices Act 15 USC s1692g violation 4. Fair Credit Reporting Act 15 USC 1681 violations for willful noncompliance- 6b civil liability for willful noncompliance [ 15 USC 1681n ] Best Regards
Product: Credit reporting or other personal consumer reports

I dont have any debt with this company no agreement whatsoever so ever
Product: Credit reporting or other personal consumer reports

I have recently taken steps to address inaccuracies on my credit report by instructing XXXX, XXXX, and Equifax to reinvestigate the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Despite clear inaccuracies and errors in my credit reporting, all three credit reporting agencies have declared that everything is complete and accurate. This situation is in direct violation of the mandate set forth in 15 U.S.C. 1681i ( 5 ), which requires these agencies to remove or modify accounts that are not reporting correctly. 
Furthermore, I want to highlight the importance of 15 U.S.C. 1681s-2 ( A ) ( 1 ), which prohibits the furnishing of inaccurate consumer information to any consumer reporting agency. It is evident that these agencies have failed to comply with this crucial provision. 
I possess compelling evidence to support my claims of credit reporting violations, and I am submitting this formal complaint to the Consumer Financial Protection Bureau. My goal is to seek a resolution that ensures the accurate reporting of my credit information, aligning with federal laws and guidelines and holding the credit reporting agencies accountable for their actions.
Product: Debt collection

I emailed Kinum Inc at their provided email address ( XXXX ) on XX/XX/year> at XXXX XXXX XXXXXXXX to revoke my authorization for them to charge my credit card on file. I have been trying to rearrange my funds so that I could pay it with a different card, but that card hasnt arrived yet. They did not honor that request and still continued to attempt to charge my credit card. After failed attempts to reach them on the phone ( the line just kept ringing ) I emailed them again on XX/XX/year>, forwarding my original email, and reiterated that my authorization had been revoked back on XX/XX/year>, but still no response and my card was still attempting to be charged. I finally got in touch with someone on XX/XX/year> and they forwarded me to a manager who wasnt there and went to voicemail. I called back, and was transferred to XXXX XXXX who admitted, on a recorded line, that they received both emails, but that only today did they finally cancel payments on my credit card. I requested for that information to be sent to me in writing and she refused. She said she was going to transfer me to her manager, then she hung up on me. I called back and asked to actually be transferred to her supervisor and thats when I spoke with XXXX XXXX who also confirmed receipt of my emails, but also refused to provide any documentation stating that they received these emails, but that the cancellation of payments wasnt done until today, XX/XX/year>.
Product: Credit reporting, credit repair services, or other personal consumer reports

Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by XXXX Data Breach here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
The following items need to be removed and blocked as they are fraudulent. 
XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, CO XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, CO XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, CO XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, CO XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, CO XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX, Am submitting this complain on my own behalf and there is no third party involved. 

I recently pulled my credit report and discovered that there is information that I do not wish Navy Federal to furnish as they already in violation of the Fair Credit Reporting Act. The FCRA states what shall be EXCLUDED from my consumer credit report. 15 USC 1681a ( 2 ) ( b ) states that any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card. so According to Federal Law this account should not be on my credit report because it violates my federal rights and shall be removed immediately
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Enclosed are : my drivers license, my social security card, proof of my current address, my Federal Trade Commission Identity Theft Report, and a copy of SECTION 605B of the Fair Credit Reporting Act. I am writing to request that you remove/delete and place an immediate block on the fraudulent information listed below from my credit file within 4 days upon receipt of this correspondence.

I have recently obtained a copy of my credit file and the information listed below does not relate to any transactions that I have made ; therefore I am requesting that these items be completely removed/deleted and blocked from my credit file. This is not a regular dispute. I have filed a complaint with the Federal Trade Commission to document being a victim of identity theft.

Please remove and block the following information from my credit report pursuant to section 605B of the Fair Credit Reporting Act within 4 days. I am requesting that the following fraudulent items be deleted and blocked from my credit file Account Name : CXXXX 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 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 XXXXhese items are either reported incorrectly or have already been resolved, and I request a thorough investigation and correction. I have already reached out to both the credit reporting agency and the data furnisher, but the issue persists. I have attached supporting documentation, including screenshots of my credit report, to highlight the inaccuracies and support my claim. Please investigate this matter promptly and update my credit report with accurate information.
Product: Checking or savings account

So around last year my chime account was hacked and i was logged out of it and it say my password was incorrect so the next day i went to login and my account was locked due to suspicious activity it asked me to send XXXX forms of id which and askrd me to send proof of ownership of a linked debit card XXXX i told them i had no knowledge of it and think my account was hacked i sent the XXXX forms of id thought. They then responded XXXX kept telling me i had to provide proof of that card and i told them it isnt my chime debit card or my card my account was hacked and i need them to refund my funds so then they quit responding to emails for months and i rmailed them again XX/XX/XXXX and they didnt respond so i was waiting for a check it never came and i had over $ XXXX in my account from my sons XXXX check. So yesteday XX/XX/XXXX i called and they told me to send XXXX proofs of id and explain how my account was hacked i emailed them and did both then they asked for that card ownership proof again i told them i cant provide proof of the hackers debit card they said well unfortunately we cant reopen or refund ur account and hung up on me i called again they said the same thing i told them XXXX suing they hung up i just want my money back i told them if they are fdic insured i should b getting my money back .. i feel like this was just a scam for a CHIME EMPLOYEE TO STEAL MY MONEY
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. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
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 account need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXXXXXX XXXX XXXX Date opened XX/XX/2022 Balance : {$320.00}
Product: Credit reporting or other personal consumer reports

Experian had been sending false credit monitoring reports.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information being reported on my credit report regarding a charge-off. The account in question is listed as follows : Creditor Name : XXXX XXXX XXXX Account Number : XXXX Date of Charge-Off : XX/XX/XXXX It has come to my attention that the charge-off is being reported month after month on my payment history, which is incorrect. According to the Fair Credit Reporting Act ( FCRA ), negative information such as a charge-off should only be reported once, corresponding to the date it was charged off. 

Account Status : XXXX : Closed with " Charged off as bad debt. '' Experian : Status shows as Open and " Past due 150 days. '' XXXX : Closed with " Charge-off. '' Issue : There is inconsistency in whether the account is reported as open or closed. Since its marked as a charge-off, it should likely be consistently marked as closed across all bureaus. 

Closed Date : XXXX : XX/XX/XXXX. 
Experian : No closed date listed. 
XXXX : XX/XX/XXXX. 
Issue : The closed date should ideally match or be close across all three bureaus. The absence of a closed date in Experian creates inconsistency. 

Payment Status : XXXX : Marked as a charge-off with no recent payment status. 
Experian : Shows " Past due 150 days '' but does not specify charge-off. 
XXXX : Lists " Charge-off. '' Issue : Payment status should align, especially since it's charged off. 

Payment History Reporting : XXXX : No payment history is reported ( " None Reported '' ). 
Experian : Lists a continuous charge-off status ( CO ) from XX/XX/XXXX through XX/XX/XXXX, with a " XXXX '' day late mark in XX/XX/XXXX. 
XXXX : Shows XXXX XXXX late entries for XXXX and XX/XX/XXXX, then no further payment history after that until XX/XX/XXXX, which shows as " OK. '' The FCRA requires that credit reporting agencies ensure the accuracy of the information they report ( 15 U.S.C. 1681e ( b ) ). Repeatedly reporting the charge-off each month results in a misleading and inaccurate credit report, which has significantly harmed my credit score.

Additionally, the statute of limitations for reporting a charge-off is seven years from the date of the first delinquency that led to the charge-off ( 15 U.S.C. 1681c ( a ) ( 4 ) ). Continuously reporting this charge-off as a new event each month does not reset the statute of limitations and is improper. 
I request that you promptly investigate this account and correct the inaccurate information by removing the repeated entries of the charge-off from my payment history. 

Please update my credit report accordingly and provide me with a confirmation of these corrections. 

Thank you for your prompt attention to this matte
Product: Credit reporting or other personal consumer reports

I was recently turned down for credit when I applied for a credit card and I was highly perplexed. I took it upon myself to pull my credit report and was very confused about some of the items appearing on it. 
Please see the personal information listed at the top of this letter and remove all information that does not match it. 
According to the Fair Credit Reporting Act, I request that you start investigation these items and make corrections accordingly. I look forward to hearing from you. I would like you to conduct an investigation for me to make certain that everything is accurate.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 and XXXX XXXX XXXX.
Product: Credit card or prepaid card

I have never received a statement from this company. When logging into my credit report today, I saw that there are subsequent late payments dated to XX/XX/XXXX. This card was opened by my wife and was paid in full inXX/XX/XXXX ( {$0.00} balance ) - the last payment was assessed as " late '' by the company and she was charged a late fee. There have been late fees assessed on top of this late fee, as well as interest on the late fees. Again, the balance of the account was paid in full in XX/XX/XXXX - this balance due is just late fees and interest. I called XX/XX/XXXX to resolve this, was transferred 7 times and left on hold for 2 hours. There has been no attempt by the company to help me resolve this - the only time I was able to speak to someone directly about this balance due ( the second time I was transferred ) he told me his only job was to attempt to collect the debt, not tell me how the debt was accrued.
Product: Vehicle loan or lease

I had this set up for auto pay. Every month I had to sit on phone for an hr to get it fixed or payed. It Was just for the fee they charge. I have called and had investigations done. All chase does is move the lates around from one month to the next. All my credit is 100 % pay on time for 20 year and more then 28 accounts. Funny I only have a problem with chase bank for two years. What was funny at the time I did the loan this bank said I was a XXXX credit!! Ok well 1 week later I thought I would refinance it and I had XXXX come back with a score of XXXX. Yes I know of the difference models but 120 points. This should be illegal! I took the truck and traded it off to get rid of Chase. Bank needs To be investigated for illegal charges and plus I never talked to a US person once to try and fix the problem. Not a good bank with all the complaints
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit rep
orting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. 
"
Product: Mortgage

We contacted our mortgage company, Select Portfolio Services, on XXXX XXXX XXXX. We asked to begin a loan retention. They agreed to help us with that. We emailed every documentation they asked for and filled out every form. They have yet to complete the process for us, stating its the underwriters fault and another companies fault. Its going on six months now. I call them all the time for help regarding this issue. I still pay them most of our monthly payment every month. I have not missed a month. I never speak to my specialist assigned to me, ( which has changed three times ). Its always a customer service operator. I have asked to speak to supervisors and have spoke to two different ones that have promised to escalate our retention as priority. This has not worked. All Im asking for is to lower the monthly payment from {$1900.00} to {$1400.00} a month. {$1400.00} is what Ive been paying since XXXX, every month. My documents clearly show that is all I can afford.
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 XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : Unknown # XXXX Account Name : Unknown # 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.