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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Illinois XXXX Transunion 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. 

I looked at my Transunion credit report on XX/XX/year>, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information.

( A ) In generally, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( I ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are supposed to 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. Please delete these accounts immediately. 

XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/XXXX, I paid off my total balance of {$54.00} For my XXXX XXXX   credit card. Afterward I requested my account be closed over the phone through the automated system. The account was closed and my XXXX XXXX   confirmed a account closure. 
However, today on XX/XX/XXXX, I received a email from comenity bank stating I have to pay a monthly bill for {$37.00} despite closing the account with no outstanding balance weeks ago. 
I cant even make the payment if I wanted to because the website says my billing page doesnt exist and the phone line refuses to get me to an actual person.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I contacted EXPERIAN regarding inaccuracies on my credit report. To this day, I have not received a response. 

The following account is not mine : COLLECTION ( Date Opened : XX/XX/XXXX, XXXX : {$1100.00} ). Please remove it from my credit report. 
The following account contains inaccurate information : XXXX  ( Date Opened : XX/XX/XXXX, XXXX : {$1600.00} ). I was never late on any payments for this account, and I request that you correct this information on my credit report. 
The following account contains inaccurate information : XXXX XXXX  XXXX ( Date Opened : XX/XX/XXXX, Balance : {$0.00} ). I was never late on any payments for this account, and I request that you correct this information on my credit report.
Product: Mortgage

On Friday, XX/XX/2020, my husband and I went to the JP Morgan/Chase branch in XXXX, SC. We went for the purpose of having an insurance check endorsed by JP Morgan ( our mortgage holder ) so that we could give that check to a roofer. We were told by an employee ( I believe her name is XXXX XXXX. When I asked for her name she would only say " XXXX  '' ) that the bank would not endorse the check until both my husband and myself had endorsed it. I explained repeatedly that I was uncomfortable driving around with a fully-endorsed check over $ 4k and that I did not believe that was the policy. The lady insisted that we sign first or she would not have the check endorsed by the bank. We signed. When we left the branch office, I immediately called the 800-number for Chase/JP Morgan. After a very long conversation and hold time, I was informed that Chase/JP Morgan did NOT have any such policy. I was asked what I wanted to see happen and at that time I merely wanted an apology from Ms. " XXXX '' and to ensure the employees were informed that was not the policy so that nobody else was put in such an uncomfortable position. I was told that they would reach out to the branch office and be right back. I was placed on hold for approximately 15 more minutes, then sent to a voicemail. This was a blatant misrepresentation by a bank employee to their customer and a misuse of power.
Product: Credit reporting or other personal consumer reports

I was in the process of trying to get approved for a mortgage and was denied because of the collection agency violating my consumer rights with false misleading misrepresentation of information on my experian, XXXX, an XXXX credit report. I'm not liable for debt with the creditor.I don't have any contract with any these creditors below. The creditors below are in violation of 12 CFR 1006.34 ( d ) and USC 1681-S2 ( 7 ) ( A ) Please delete the unliable unauthorized debt on my experian XXXX an XXXX account immediately : XXXX XXXX XXXX Date open- XX/XX/XXXX XXXX XXXX XXXX  Date open- XX/XX/XXXX XXXX XXXX XXXX Date open- XX/XX/XXXX XXXX XXXX XXXX Date open- XX/XX/XXXX XXXX XXXX XXXX in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date open- XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

Over the last 60 days I have made extra efforts to pay down my balances as I was told by the credit bureaus, XXXX and Equifax, that this would improve my credit rating as it would lower my utilization. I made these efforts because I am in process of looking for a home and my career path also wants to see good credit standing. After making these efforts even though I get notifications my balances are being paid down my credit score plummeted by XXXX points which is drastically impacting my steps to improve my life and the bureaus have no answer as to why. They all agree that it is a considerable change but they dont provide any reason as to why its happening and even after filing a complaint with them I received no contact back or follow up in regard to this issue. It is very important that these issues be resolved as soon as possible because this is having a considerable negative impact on my career advancement and life.
Product: Debt collection

I have received repetitive and borderline harassing amounts of phone calls throughout the day regarding this situation. Calls before XXXX and after XXXX, during work hours, during sleep hours. I have asked to be removed from the call list, I have blocked numbers, I have asked for debt validation letters. The calls are relentless and have started using local area codes in an attempt, I'd assume, to persuade me to answer the phone. The calls have spread over the course of months.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello! My name is XXXX XXXX! 
Phone : XXXX / Email : XXXX I have a big problem with Chase Bank! Please, help me! 

This happened around 6-7 months ago!

I have Chase Bank Credit Card, I did not use it around half year, it was all the time in my home. Also, I have Checking Account with them. One day, I went online to check my balance on the Checking Account and saw {$25.00} amount on my Credit Card. I called to the Bank right away and told them, that I have not used CC around 6 month. They told me it was some XXXX purchase. As it was not me, they told me not to worry, they will make a report to fraud department and will remove this amount. In a few days it seemed fixed. That time I had Excellent Credit Score : XXXX! I always checking it through XXXX XXXX App. But, in month all of a sudden my Score went to average. Because Chase Bank put back on my account {$24.00} and make late fee on it ... I saw too late. I went to Chase Bank ( very good consultant helped me and called to fraud department. His name XXXX XXXX, NMLS ID : XXXX. Thanks for him a lot, he did everything he could. ). They told they will fix it in one month.. Yep.. they did not. Now its Good, Score XXXX!!!! They lied. Because if spoiled Credit Score, I can't open CC in another Bank.. On top of that, Chase B closed my CC without my permission!!! .. Then they opened it again, because I started to complain. But my Credit Score still XXXX! I want exact XXXX score BACK AS IT WAS BEFORE. The consultant, who helped me went on vacation. So, I went to another branches, and in all of them, managers refused to help me.. Tried to sent me back to previous consultant ... 
More over, I am not who made that purchase on {$25.00} ... Maybe it was Chase Bank. I can't trust them. During all this time and before I made all payments in time, I did not open any CC last few years. So, there are no any other reason my Credit Score went down.

I spent so much my time & money on them and feel cheated by Chase Bank with Spoiled Credit Score!

Thanks
Product: Credit reporting or other personal consumer reports

i have a collection thats been paid since 2023 and still remains on my reports. 
the amout is XXXX, that was initially owed to XXXX XXXX XXXX XXXX  then sent it to XXXX. XXXX took the payment and promised to remove the collection if it was paid and it hasn't been Date Reported : XX/XX/XXXX Collection Agency XXXX XXXX XXXX XXXX XXXX XXXX 
Balance Date XX/XX/XXXX Original Creditor Name XXXX Account Designator CXXXXe XXXX Date Assigned XX/XX/XXXX Account Number XXXX XXXX Original Amount Owed {$150.00} Creditor Classification Cable or Cellular Amount {$0.00} Last Payment Date XX/XX/XXXX Status Date XX/XX/XXXX Date of First Delinquency Status PAID Comments Consumer disputes this account information Collection account Contact XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX
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. XXXX XXXX XXXX account number XXXX XXXX XXXX XXXXXXXX account number XXXX XXXX XXXX XXXX Account number XXXX Account number XXXX XXXX XXXX XXXX  Account Number 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 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 ) ( 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

I am interested In processing disputes for all incorrect information on my credit report with experian. things need to be updated that are hurting my credit report please delete an remove all inaccurate data listed asap.
Product: Credit reporting or other personal consumer reports

XX/XX/2023 requested information on the inquiry that i didnt make. i heard nothing from the company. my credit is under fraud investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX and Experian. All theses. Inquiries on my report where disputed their investigation all these inquiries where due to fraudulent activity ive they still wont these items off my report or give me any proof that its me. Being to lazy to truly investigate this problem XXXX XXXX XXXX Unlocked : Access granted XX/XX/23 XXXX XXXX  ... XX/XX/23 XXXX : Access granted XXXX XXXXXXXX XXXX XXXX XXXX XXXX Access granted XX/XX/23 XXXX XXXX XXXX XXXX XX/XX/23 XXXX : Access granted XXXX XXXX XXXX Unlocked : Access granted XX/XX/23 XXXX XXXX XXXX Inquiry XXXX XXXX
Product: Debt collection

I have contacted One Man many times trying to get this debt removed that's bringing down my credit badly.They have failed to respond and I would like that debt removed off my credit. The credit amount is false and I never took out credit with this company.
Product: Payday loan, title loan, or personal loan

summer 2019 onemain finiancial added on fees that were not allowed corrected once i sent a complaint and once again they applyed again and withdrawed fund from my bank acct that was not the correct agreement amount. tried nermous time to keep paying and resolve the issue all they replied was nothing they could do.
Product: Checking or savings account

My vehicle was broken into on XX/XX/2022, and various items were stolen including a checkbook for my personal checking account at Umpqua Bank. I immediately filed a police report for the incident, but failed to realize that my checkbook was among the items stolen until XX/XX/XXXX, when a forged check for {$800.00} was cashed and the funds were withdrawn from my account. I immediately informed my bank, had my account frozen, and amended my police report to report the stolen checkbook and subsequently forged check. Umpqua Bank has not reimbursed me for the stolen funds, the case was turned over to their internal fraud investigation department, but they have not furnished me with any written correspondence regarding a determination of my case. I have requested updates multiple times through my local Umpqua branch, but have not been given any definitive status updates ; Ive only been told verbally that its likely that the fraud department will not reimburse me because the believe keeping a checkbook in my vehicle does not constitute ordinary care in the safekeeping of my financial information per my account agreement, which I would dispute given that my car was locked, the checkbook was concealed in the glove compartment, and it was parked on a well-lit street with surveillance cameras facing it. I also contend that Umpqua Bank did not exercise care when they honored a check that very obviously did not have a signature matching mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX {$0.00} ; XXXX XXXX XXXX Balance : {$910.00} ; XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX Reference XXXX XXXX XXXX Date Filed/Reported : XX/XX/XXXXXXXX XXXX XXXX XXXX Bankruptcy U.S. Bankruptcy Court Reference # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 reporting or other personal consumer reports

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. I looked at my XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 they are suppose to 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

I am writing to you in hopes that you can assist me with proper credit reporting laws and the violations that these companies keep doing to me. Ive read where you have sued XXXX for not properly investigating and reasserting thing back onto consumers credit reports. These companies have violated my rights and are now threatening me all the while they are inaccurately reporting information on my consumer credit report. Please help me as I am facing underwriting for a home and this jeopardizes my likelihood to acquire shelter for my foster children.

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

On XXXX I sent a letter opting out of any and all authorization I the consumer may have given XXXX XXXX  in a demand to have my personal, financial, public, and non private information removed from third party non affiliate companies and consumer reporting agencies per 15 USC 6802. 15 U.S. Code 6802 is about obligations regarding the disclosure of personal information. It states that a financial institution can not disclose nonpublic personal information to a nonaffiliated third party 15 U.S. Code 6801 states that Congress has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers ' nonpublic personal information. And Per 16 CFR 313.7 - Form of opt out notice to consumers 313.7 Form of opt out notice to consumers ; opt out methods. ( a ) ( XXXX ) Form of opt out notice. If you are required to provide an opt out notice under XXXX ( a ), you must provide a clear and conspicuous notice to each of your consumers that accurately explains the right to opt out under that section. The notice must state : ( i ) That you disclose or reserve the right to disclose nonpublic personal information about your consumer to a nonaffiliated third party ; ( ii ) That the consumer has the right to opt out of that disclosure ; I have submitted my opt out request even though the option was not
Product: Credit reporting or other personal consumer reports

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

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

I demand the late payment reported on my account to be removed. 

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

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


XXXX XXXX XXXX XXXX  Never Sent the periodic statement along with the disclosures from section XXXX ( b ). 


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

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

I am writing in response to TransUnions letter dated XX/XX/year>, which acknowledged the recent submission of my dispute concerning certain entries on my credit report. 

I fully understand the importance of authenticating the source of requests ; however, the dispute was indeed submitted directly by me, the consumer, and not through a third party. I take great care in managing my credit profile and have diligently followed the appropriate procedures outlined by the Fair Credit Reporting Act ( FCRA ). 

In TransUnion 's response, they noted that it didn't appear that the request was sent directly by me or a properly authorized third party. Allow me to reiterate that I am the authorized individual disputing the accuracy of the information on my credit report, and this communication serves as additional clarification and verification of my identity. 

To address TransUnions specific concern, I have not engaged the services of any credit repair company, credit clinic, or any third party to represent me in this matter. Therefore, there is no third party to identify, and I have not granted authorization for any such entity to communicate with TransUnion on my behalf.
Product: Checking or savings account

I did a job and got paid XXXX it was sent by wire transfer to my Bank of America account from XXXX XXXX. XXXX XXXX  claimed it back and bank of America sent it to them after i had provided proof that it was a legitimate transaction by a signed and notarized letter from their customer certifying that it was a valid transaction made by him and he approved the transaction and i did not owed him nothing and he was thrilled with the job i had done. I also sent Bank of America copy of his drivers license and invoice from my company XXXX XXXX XXXX XXXX. I feel unprotected from my own bank how can they just take my hard earned money and send it back without any proof because up to now i have not received any proof of the claim filed by XXXX XXXX  or anything signed by their customer filling the claim or anything I honestly feel robed. Please help.