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

To Whom It May Concern, The reason for me filing this complaint is due to IC System Inc failing to provide proper notice within the required timeframe, and I have evidence of such, via certified mail receipts to substantiate my claim, you must now delete the item from my credit report. The law states failing to post a Notice of Dispute on credit reporting agency accounts is a violation of FCRA
Product: Credit reporting, credit repair services, or other personal consumer reports

Lexingtonlaw.com - charged me fees without sending any kind of notice. There was no email, phone call, letter, nor text message about these fees being applied. I only discovered them upon checking in the web portal account details. When I first chatted in about the fees, an agent agreed to refund the most recent two, and that a manager would call me back. Well, that never happened. Then the next few times I called and text messaged in, they refused to issue any refunds. 



Invoice # Date Status Description Amount XXXX XX/XX/2022 PAID Monthly Subscription Fee {$23.00} XXXX XX/XX/2022 PAID Monthly Subscription Fee {$8.00} XXXX XX/XX/2022 PAID Monthly Subscription Fee {$59.00} XXXX XX/XX/2022 PAID Late Fee {$9.00} XXXX XX/XX/2022 PAID Monthly Subscription Fee {$45.00} XXXX XX/XX/2022 PAID Late Fee {$9.00} XXXX XX/XX/2022 PAID Monthly Subscription Fee {$59.00} XXXX XX/XX/2022 PAID Monthly Subscription Fee {$59.00} XXXX XX/XX/2022 PAID Monthly Subscription Fee {$59.00} XXXX XX/XX/2022 PAID Late Fee {$9.00} XXXX XX/XX/2022 PAID Monthly Subscription Fee {$59.00} XXXX XX/XX/2022 PAID Late Fee {$9.00} XXXX XX/XX/2022 PAID Monthly Subscription Fee {$59.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had late payments on accounts 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 accounts : XXXX XXXX XXXX .... Balance : {$540.00} ; XXXX XXXX .... 
Balance : {$17000.00} ; XXXX  XXXX .... Balance : {$6900.00} ; XXXX  XXXX .... Balance : {$5400.00}
Product: Checking or savings account

On XX/XX/2018, my check for the amount of {$710.00} was direct deposited into my bank account that had been closed. Chase Bank told me that the funds were automatically sent back to the payroll company with my job. The payroll company said that they do not have the funds because the money directly deposited into the closed account. I spoke to an agent with Chase Bank that advised me that the check was sent to my previous address and that I should receive the check within 7-10 business days. After the wait, the check was still not received so I called Chase Bank to have the check sent to my current street address. The bank told me to fill out a Declaration of loss cashier 's check and advised to wait 7-10 business days. I filled out the form on XX/XX/XXXX.On XX/XX/2018, I created a new account as well with XXXX and deposited my check for {$950.00} with a withdrawal of {$100.00}. My new account balance should have been for {$850.00}. This account was closed on XX/XX/2018. The agent I spoke with told me that the balance was mailed to my current address and to wait 8-10 business days. On XX/XX/XXXX I called Chase to see where both of my checks were and they told me that they never sent them out to the payroll company or my address because they could not verify where the check came from. It's been almost 2 months and I still haven't received my checks. I'm furious!
Product: Credit reporting or other personal consumer reports

My credit report at Experian is frozen currently. I am unable to control my freeze status either through my online Experian account or the phone number ( XXXX XXXX ) that was given to me when I paid for the ability to control my freeze status ( XX/XX/XXXX ). 

When I successfully access my online account, I am sent to a page to acquire a annual credit report. This process fails and I am given the number XXXX. Each time ( at least four time ) that I called this number, I am unable to get to a person to provide me access to control my freeze status. 

When I call the number XXXX XXXX, I was asked whether I want to freeze my account and given two options : 1 ) Go to my online account or 2 ) send a letter. I sent a letter on XX/XX/XXXX with all the required information ( drivers license and a utility bill ) asking to reactivate access to my control of my credit report freeze by both my online account and by phone.
Product: Credit reporting or other personal consumer reports

Following 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. The accounts below have violated my rights. 15 U.S.C 1681 section 602A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : A consumer reporting agency can not furnish an 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 ) ( a ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Delete the accounts below : - DISCOVER FINANCIAL SER.06/04/2024. 
- XXXX. XX/XX/year>. - XXXX XXXX. XX/XX/year> XXXX XXXX XXXX
Product: Vehicle loan or lease

Upon checking my credit report I noticed a car loan I did not recognize for a vehicle I do not have. I have one vehicle and it is a car and not a truck. This loan has been there since 2019 and I have never once driven said vehicle and only use the one vehicle where the loan and tags are up to date.
Product: Credit reporting, credit repair services, or other personal consumer reports

How are accounts be charged off for consecutive months and it still showing a remaining balance?! This is totally ridiculous..Fix the account XXXX - XXXX XXXX.. ..please get rid of this information as soon as possible and notify me when you do this so I can go ahead and apply for the things I have to apply for
Product: Checking or savings account

The company is CHIME, an online financial services company. 

I received indications that someone opened an account under my identity ( emails, new card ). 

The issue is that there does not appear to be a fraud number or process for managing fraud. All financial services companies should have such an office for consumers to access. While they did 'close ' the account- I have no confidence that this is being investigated as there is no response or person to speak with but a generic email address. 

My FDIC backed and regulated banks provide such an experience.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX Equifax Account # : XXXX XXXX Account Type : Revolving Revolving Account Type - Detail : Credit Card Credit Card Bureau Code : Individual Individual Account Status : Closed Closed Monthly Payment : {$110.00} {$110.00} Date Opened : XX/XX/XXXX XX/XX/XXXX Balance : {$2100.00} {$2100.00} No. of Months ( terms ) : XXXX XXXX High Credit : {$3000.00} {$1000.00} Credit Limit : {$1000.00} {$0.00} Past Due : {$0.00} {$0.00} Payment Status : Current Current Last Reported : XX/XX/XXXX XX/XX/XXXX Comments : Dispute resolved; reported by grantor Accounts closed by credit grantor Credit card Date Last Active : XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX Two-Year payment history Month XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Year XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK XXXX Equifax OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK RESPONSE DISPUTE 15 U.S. C ode 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft. not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identit theft!! Please delete these items as soon as possible!

These accounts should not be furnished on my consumer report as they are in VIOLATION!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consume I am demanding the deletion of the accounts listed IMMEDIATELY.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccuracies in my personal information on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). I have reviewed my report and found that certain information does not accurately reflect my current or previous personal details. I am concerned these errors may negatively affect my credit standing. 
The inaccurate information includes ( but is not limited to ) : Incorrect Addresses : XXXX. XXXX XXXX XXXX XXXX, PA XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, PA XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719 I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, Al, XXXX SS # XXXX XXXX XX/XX/XXXX XX/XX/XXXX Dear Sir or Madam, I am writing to formally dispute the accuracy of information listed on my credit report. In accordance with the Fair Credit Reporting Act, Section 1681i, I request a reinvestigation and correction of the following information : Name : XXXX XXXX  Account # XXXX Name : XXXX XXXX XXXX Account XXXX Date XXXX Balance : {$1800.00} Name : XXXX XXXX Account XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Account XXXX Date Opened : XX/XX/XXXX Balance {$160.00} Name : XXXX XXXX XXXX XXXXXXXX Account XXXX Date XXXX XXXX {$1700.00} I believe these accounts are inaccurate and the information is incomplete Please investigate this matter within the 30-day period as required by law and correct or delete the disputed item from my credit report if it can not be verified. If the item is verified, please provide me with the method of verification as required by the FCRA.

Thank you for your attention to this matter. I look forward to your prompt response. This information is harming me mentally and financially. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted the credit reporting agencies, XXXX, Experian, and XXXX. I have either been met with resistance or received no response. I believe that my requests for correction and investigation are reasonable and should be complied with. Due to them not reaching out with any actual communication, I have to submit this complaint. I've been working on this for the past year and no real response. Then XXXX ruined my credit with their glitch and has since dropped my score even further without a response or reason.
Product: Consumer Loan

I was in the hospital for 5 months. I surrendered the vehicle to Chase for inspection per bank instruction for inspection. I was told after the vehicle was inspected that I would have an opportunity to bring the account current. Once the account was brought current I could take possession of the vehicle. I was prepared to bring the account # XXXX the day I surrendered the vehicle a XXXX. Chase never gave me an opportunity to bring the account current as agreed. Chase plans on auctioning the XXXX without notifying me or giving me an option to purchase the vehicle at a fire sale price reserved for their cronies. This practice is an act of bad faith and should be deemed illegal. Chase 's number XXXX. all state towing who confirmed the arrangement XXXX XXXX.
Product: Debt collection

Cashnetusa.com sent a threatening demand letter related to a payday loan from 10 years ago. The letter is from XXXX XXXX XXXX. The letter says that they are threatening criminal fraud action against me in addition to civil claims. It uses a fake " filed '' stamp on the letter. It also threatens to subpoena relatives. The group has also called the personal home phone number of my boss in the past even though I never provided my boss as a reference ( and they left threatening and embarrassing voicemails with my personal information in it ).
Product: Credit reporting or other personal consumer reports

DUE TO AN XXXX XXXX XXXX XXXXXXXX BREACH IN XXXX, PLEASE SEE ATTACHED DOCUMENTS AND DELETE ANY ACCOUNTS VERIFIED AS XXXX XXXX FROM MY CREDIT REPORT. THE FOLLOWING ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX THE ONLY NAME ASSOCIATED WITH MY SOCIAL SECURITY IS XXXX XXXX XXXX XXXX SEE ATTACHED BIRTH CERTIFICATE AND SOCIAL SECURITY CARD. THE PERSONAL INFORMATION NAMES THAT ARE TO BE ADDED TO MY CREDIT IS LEGAL NAME : XXXX XXXX AND AKA XXXX XXXX
Product: Debt collection

I received a letter from the original creditor on  XXXX  of  2016  with all documents stamped as paid  XXXX   XXXX   2016 . I had gotten the occasional call about the debt and explained it was paid and faxed the papers to a company did n't hear from them again. Now I constantly get phone calls fro m Summit Receiving sayi ng it 's not paid. One person gave me their email so I sent the email to them with pictures of the documents. I received another call today told them I already gave it to them, I had to call back because he hung up on me when he called me which is what happens every time they call me. He told me he reported it to the credit bureaus then read off my SSN and told me multiple times " your credit is destroyed now ''.
Product: Credit card or prepaid card

Dear Capital One, I am member since XXXX and I am maintain my capital one account good standing. 
I paid of my account last month full and they have a interest fees on my account {$23.00} I called XX/XX/XXXX XXXX PST your called center and answered Mrs.XXXX  ( Employer ID # XXXX ) asking please waiver that fees and they she treated me very unprofessionally and refused to waive that fees. 
I asked to transfer supervisor and she said she the one big head of this department and she refused to transfer manager as well. I am so angry and I paid {$23.00}. 
I just wanted to tell your management not a good way to handle customer service like that. 
This is a complain about bad customer service experience about Mrs.XXXX. 
I felt discrimination due my talking ascent. 

Thank you XXXX XXXX
Product: Credit reporting or other personal consumer reports

In attempt to dispute this matter on several occasions, I have received feedback from the alleged debt collection agency Chase Bank. My account ending in XXXX was breached and obtained by someone else. This account has been under investigation since XXXX of XXXX. On my consumer report as of today XX/XX/XXXX it states that this account is in collections and is charged off, however chase sent me written notice that they are not looking to collect payment on this account and that this account has not been sold to a third party. It is showing that the account is a negative item on my XXXX, XXXX, and XXXX report, and that is inaccurate.
Product: Mortgage

I had a Home Equity Loan securing a property. The loan was paid off on XXXX XXXX, 2015 according to Ocwen 's records. 

I subsequently checked my credit report and found that the credit bureaus still reflected a balance owed of {$170000.00} I filed a credit inquiry with each of the credit bureaus. 

I received a response from XXXX ( a copy of which is attached hereto ) indicating that XX/XX/XXXX the balance is {$170000.00}. 

I called Ocwen on XXXX XXXX, 2015 and they indicated that the loan would not be closed until I signed a form that was sent by Ocwen to my mailing address. I use an office address and the form was never received at that address. They will be emailing a new form within 3 days. 

Ocwen has indicated that, even though they sent incorrect information to XXXX, they continue to investigate my complaint. They will not, however, send me anything in writing to that effect. 

I
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.
Product: Money transfer, virtual currency, or money service

On XX/XX/2021, a customer paid my business using XXXX. XXXX will not give me my money because I don't have a traditional phone number. I would not have known this before the customer paid me via XXXX because I do not typically use XXXX. Regardless, me not having a traditional phonr number does not give XXXX the permission to steal my money. I want my money, and I don't care how they get it to me.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 
These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 
Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Delete this account. 
XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXXXXXX XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, AK XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, AK XXXX
Product: Credit card or prepaid card

On XX/XX/2022 I tried to withdraw {$500.00} in cash from a XXXX XXXX XXXX in XXXX, WI on XXXX XXXX XXXX XXXX the transaction was approved but never disbursed my funds. I have filed multiple disputes and no response from cash app. Ive contacted the atm provider at ( XXXX ) XXXX and spoke with a XXXX who states the funds were sent back to cash app. I need help because cash app is refusing to follow protocol and it has been over 10 business days
Product: Credit reporting or other personal consumer reports

The Navient account reported on my credit report is not mine. The agency has sent information to me with names and addresses that conflict with the dates and times of my being in the country when this account was potentially opened. Navient has harassed me about paying this account and has offered various ways and amounts to pay. However, the account does not belong to me. I have contacted the agency and filed several affidavits and complaints to the CRAs, including the attached FTC report denying all allegations that this account belongs to me.
Product: Credit reporting or other personal consumer reports

I noticed my current address was incorrect on my equifax credit report. I sent them a copy of my drivers license ; foid card ; mortgage statement and declaration page of my homeowners and car insurance and they keep sending the claim back that my address is correct while all the information I submitted says otherwise. My concern now them sending corresponding information to that wrong address potentially causing identity theft.
Product: Credit card

Keeping payments on this account consistently timely has been my practice, preventing any overdue occurrences. I find myself puzzled by the reports of late payment remarks on my accounts. As per 15 USC 1666b - Billing Error, necessary corrections are warranted.
Product: Debt collection

The debt collector used a third party to verify my employment. This third party had my social security number? My boss thinks I 'm trying to get a new job as she said loans & jobs are the only legal reason for job verification. Is that true? The third party said they did n't know why the company wanted to verify my employment only that they were asked for the information. Are companies allowed to share my social, address, etc with other companies? Why would n't said company just call themselves?
Product: Credit reporting, credit repair services, or other personal consumer reports

So I got a report from Lexis Nexis and has a listing of 82 pages of incorrect information on me including dob occurrences and just wrong information on me. It makes me mad that they use this information against me first off, second all the information is incorrect. I need some help and I tried calling but they dont take it serious. Please help. Thanks. 

I also have pages and pages of incorrect information XXXX XXXX