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

After the original creditor responded to a dispute, Experian opened up a new dispute but I do not feel they fully looked into the dispute because the account still reflects incorrect information even after the original creditor supplied information directly to me. Experian reporting does not align with what the original creditor supplied to me, and the account reported on Experian 's reports shows that it has not been updated since XX/XX/XXXX. Experian has not handled this dispute process accordingly and I would like the tradeline removed until corrected. 

XXXX is the original creditor that is still reported on my credit report and has been disputed XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX with Experian as well as reported a complaint with the CFPB XX/XX/XXXX and there have been zero changes by Experian and how they are reporting this tradeline and information. This tradeline is also reported on XXXX  and there are inaccuracies between the two when compared therefore Experian is reporting incorrectly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed XXXX XXXX filings that populated on to my Experian Credit Report with Experian on XX/XX/2021. I told them that there was proof that the information in the bankruptcy filings showed a similar but different XXXX than mine. I also told them that it was a result of identity theft and I needed the matter resolved asap to get a mortgage. 

Unfortunately, Experian completed their investigation and marked the XXXX to " Remain, '' on my credit report. This has caused me to lose out on an accepted offer to purchase a home for me and my family. This should not be legal because it is proven that the XXXX used for the XXXX is NOT mine. 

Additionally, I have started a new dispute on these same items as well as a new XXXX  on my credit report filed XX/XX/2021. Experian 's reporting of this XXXX  and the prior XXXX are costing me a lot!
Product: Checking or savings account

XX/XX/year> {$620.00} Scammer wipes my account out. 
Called for an investigation and still didn't give me my money back. It was with Chime. I told them I do not use the Pay friend feature. I've been with them for years and still gotten my money stolen. The scammer even changed my email. I had to call chime to get my account back the same day. You can see them playing in my account and took everything that I had
Product: Credit reporting or other personal consumer reports

for the company to do what is fair and equitable to me as a consumer by removing and deleting items identified as identity theft. 

accounts to be removed : XXXX XXXX Last reported XX/XX/XXXX {$330.00} Open balance XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Original creditor XXXX XXXX XXXX Last reported XX/XX/XXXX {$590.00} Open balance XXXX XXXX XXXX XXXX XXXX XXXX  Original creditor XXXX XXXX XXXX Last reported XX/XX/XXXX {$1600.00} Open balance XXXX XXXX  Original creditor XXXX XXXX XXXX XXXX Last reported XX/XX/XXXX {$5500.00} Open balance XXXX XXXX XXXX XXXX Original creditor XXXXXXXX XXXX XXXX  Last reported XX/XX/XXXX {$7400.00} Open balance XXXX XXXX XXXX XXXX XXXX Original creditor inquiries to be removed : XXXX  ( Bank ) XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX  ( Bank ) XX/XX/XXXX XXXX XXXX XXXX XXXX  ( Finance ) XXXX XXXX XXXX XXXX
Product: Debt collection

This is not on my credit report nor was I ever told about this debt from XXXX  before my wages were garnished was never informed until I noticed it on my check
Product: Money transfer, virtual currency, or money service

I was asked to send someone on " XXXX XXXX '' XXXX dollars regarding the transaction of a smartwatch. The person 's name appeared as " XXXX XXXX '' ( who changed their name on XXXX shortly after the transaction then the account disappeared altogether ) and when I sent them the money requested, the transaction was displayed in my bank account as " XXXX ''. I have contacted my bank which is Chase numerous times and was refused investigation under the claim that the transaction had been authorized on my end so it could not be considered a fraud. A similar scam happened to a friend ( he was trying to buy something from XXXX XXXX ) using the exact same bank with the same type of debit account through JPMorgan Chase and they were compensated the full amount. Therefore, I have the right to conclude that this financial institute is discriminatory in nature.
Product: Credit reporting or other personal consumer reports

I submitted this complaint to update this suspicious information. 3 Credit Bureaus must validate these accounts by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello on my credit report it shows the original balance is {$10000.00} but on my contract when I bought the car it shows the original balance is {$10000.00}. XXXX you please help me get this removed from my credit report since its inaccurate. Thank you kindly
Product: Credit reporting or other personal consumer reports

My account with was never late! I have had exceptional payment history witH XXXX XXXXXXXX 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 my the company and is not a reflection of my payment experience which violates USC Code 1681eb. 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 in 60 days 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 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 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

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXXXXXX  ), Contents of Complaint : I am filing this CFPB complaint to request that Equifax , pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), block information on my credit report that is the result of identity theft and fraud within four business days of receiving this complaint. 

XXXX. XXXXXXXX XXXX XXXX XXXX Account : XXXX XXXX balance : {$0.00} XXXX. XXXX XXXX XXXX Account : XXXX Opened : : XX/XX/XXXX Balance XXXX XXXX. XXXX XXXX XXXX XXXX Account : XXXX Opened : XX/XX/XXXX balance : {$740.00} XXXX. XXXX XXXX  Account : XXXX XXXX balance : XXXX XXXX. XXXX XXXX  Account : XXXX XXXX XXXX These accounts have led to several unauthorized hard inquiries and fraudulent collections on my FICO credit report. All these accounts, collections, and inquiries are the result of identity theft and fraud. 

Enclosed is a copy of the FTC Identity Theft Criminal Complaint ( XXXX ) as proof from the U.S. Federal Trade Commission that all the mentioned credit accounts, collections, and inquiries are due to identity theft and fraud.
Product: Credit reporting or other personal consumer reports

I am writing to file a complaint concerning Experian and their continued reporting of inaccurate information on my credit report from XXXX BANK. Despite multiple disputes related to this account ( Account Number : XXXX ), no action has been taken to correct or remove the errors. These inaccuracies are having a significant negative impact on my XXXX XXXX, and the incorrect information is misleading potential lenders. I have made numerous attempts to address this issue by reaching out to both Experian and XXXX BANK, but my concerns have not been resolved. The lack of correction is causing ongoing financial harm, affecting my ability to secure loans and other forms of credit. Additionally, the situation is taking an emotional toll as I struggle with the consequences of these reporting errors.
Product: Student loan

Essentially I dont have the funds available for room and board and I essentially borro0wed enough to deal with this issue and nothing is being done about it in fact i feel my civil rights have been obscured.
Product: Credit reporting or other personal consumer reports

I first submitted my dispute on XX/XX/XXXX and, upon receiving notice that the original documents were of low quality, promptly provided additional supporting materials on XX/XX/XXXX. However, despite my timely actions, I have received no meaningful communication or resolution from your company. Instead, I was sent a letter falsely accusing me of employing a credit repair organization. As I clarified in my follow-up letter, I have personally handled all correspondence related to this matter, but despite this, I have yet to receive any response or resolution.

This lack of action and oversight on your part has caused significant distress, and I am now left with serious concerns regarding your companys commitment to consumer rights and compliance with the law. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, credit reporting agencies are required to investigate disputes and provide a response within 30 days. Your failure to meet this obligation is a clear violation of the statute.

Furthermore, I believe your actionsor lack thereofmay constitute a violation of the XXXX  Consumer Protection Act, XXXX. XXXX XXXX, which prohibits unfair and deceptive practices. The ongoing delays, contradictory responses, and failure to communicate effectively in clear English have only compounded the issue.

This lack of accountability has not only hindered my efforts to resolve the inaccuracies on my credit report but has also severely undermined my trust in your institutions integrity. I request that this matter be addressed immediately and that I receive a prompt, clear, and definitive response.

I trust that you will take my concerns seriously and work towards a resolution in accordance with the law.
Product: Credit reporting or other personal consumer reports

Dearest CFPB, I've been writing letters to these consumer reporting agencies since XX/XX/2023 and this will be my 6th letter to dispute this one and only inaccurate account that I've found on my credit report. 

XXXXXXXX XXXX XXXX - Account XXXX XXXX XXXXXXXX That said account has already been deleted on my XXXX but XXXX and Experian are still reporting this despite showing them proof of inconsistency of their reports. XXXX and Experian 's descriptions were far too different from one another. I don't know how they validate and verify this as accurate where their information don't even match with each other. 

In addition, I have found out numerous credit inquiries that was run by someone I don't know, and I have no knowledge as to why they have to run inquiries on my credit report. I want that to stop right now! 

Experian has my personal information entered WRONG! My date of birth, previous address, current address and employer were incorrect. 

These are already forms of INACCURACY. Hence, I demand the deletion and removal of the aforementioned account as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX card information was stolen back of XXXXXXXX XXXX XXXX and is still effecting my XXXX account til this day ( XX/XX/XXXX ) someone is pretending to be me and calling XXXX. They call XXXX using my information to verify and then they tell XXXX the cards are either lost or stolen and have them replace the card but make up stories that theyre on vacation and need the card shipped to them and not my address on file. 
I have accounts in balances well over the credit limit that XXXX is trying to hold me responsible for. I have shown them proof many times those charges were not mine and they still deny my claim. My spending there are charges in New York and XXXX XXXX and charges from XXXX XXXXXXXX {$2700.00} which is insane. 
All the cards have been stolen and copied many times XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX card.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. I have a fraudulent account and hard inquiry listed on my XXXX XXXX and Experian credit report that do n't belong to me. The following account and hard inquiry is fraudulent : XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX
Product: Checking or savings account

I previously filed two complaints against XXXX XXXX XXXX XXXX XXXX XXXX and its " online bank '' FSB Today XX/XX/2019 I found an overnight letter from XXXX XXXX XXXX XXXX, XXXX IN. 

This is a Complaint against this " bank '' for FRAUD. In the envelope are document which PURPORT to be my signatures attached to the " Application '' and " Acknowledgement ''.

One place where the tiny " signature '' was placed is a BLANK PAGE with the word " Acknowledgment '' and " by making this deposit the depositor agrees to the terms and Conditions stated above and taken special notice of the discussion early withdrawal penalties which apply to this deposit included in the terms and Conditions. By signing below, depositor acknowledges receipt of an Account Disclosure related to this Account. '' This is an outright LIE. I never saw anything prior, and I NEVER signed such a document. Moreover XXXX XXXX Agent stated this was SOLELY to identify the appearance of my signature on a card. i.e. illustration to prevent forgery. 

It is fraud for SF to represent to me that I ever SAW, ever WAS TOLD, ever RECEIVED prior the account, any DISCLOSUREs, Applications, These documents are HARD PROOF they created ex post facto documents THIS WEEK, and sent YESTERDAY, which showed a " signature '' to these documents. 
Yesterday they created a compliant " Application '' and " Acknowledgment '' and miss-used what XXXX XXXX, my agent stated was a " sample of your signature '' to ensure your distinctive signature is on file. 

What they added to these yesterday documents is a scrawl which is ONE/HALF centimeter tall, and 2.2 centimeters wide. 
Anyone who claims that tiny, illegible scrawl -- is my signed & dated signature approving and accepting those terms and documents is a liar. 

I am willing to swear under oath to the above, and I believe CFPB needs to get a perjury sworn statement from SF. 

This is hard evidence of using fraud and/or deception to obtain my funds. 
I have NO doubt they are and have done this to many people who trust XXXX XXXX XXXX XXXX.
Product: Debt collection

I have never received any notice to dispute or verify this alleged debt which is a violation of the Fair Debt Collection Practices Act ( FDCPA ). Amsher collection service has made a willful violation of the FDCPA. They also decided to report this false information on my consumer report without verifying it which violates the Fair Credit Reporting Act ( FCRA ). I demand that this agency provide proof that they have sent me a notice with a certified green return card bearing my signature, the shipping number, and verify this alleged debt by answering the attached dispute. If they can not provide the certified green card proving that they sent me the notice at least XXXX business days before they started reporting and the verifying information requested in the attached dispute letter then I demand that this company cease all reporting immediately.
Product: Checking or savings account

Capital One locked my 360 Accounts randomly after i filed only a few disputes. After further review they unlocked my account to let one direct deposit into the account, and would not release my direct deposit. <P/>I was never warned the accounts would be closing, and i had my accounts fraudulently charged by XXXX XXXX for thousands of dollars, I disputed these charges and instead Capital one Reversed these and overdrew the account after locking the accounts. Then Sent my accounts to XXXX as a bad customer. Thus not allowing me to open accounts with any other bank, This is false information.
Product: Credit reporting, credit repair services, or other personal consumer reports

accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy. 

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 USC1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose
Product: Payday loan, title loan, or personal loan

XXXX XXXX ( the creditor ) failed to mail me billing statements. Because of this I notified them every month in writing and by phone that I had not received any of my billing statements. The creditor stated that they would be sending out the statements in the mail and that their system keeps having issues with not sending the billing statements. The creditor never sent me billing statements. Because of this I was unaware if I had a balance on my account. I was also unaware if I had a minimum payment due. I did not make any payments as I did not receive instructions on how to pay my bill. The creditor reported my account as late ( delinquent ) to all 3 major credit bureaus ( XXXX, XXXX, XXXX ). After a couple of months/years, the creditor finally sent me a collections notice requesting immediate payment of a specific dollar amount without explaining what the amount was for. Because I did not want negative information on my credit report, I paid the amount that was requested of me. The creditor reported my account as charged off. The creditor violated several consumer protection laws by not reporting my account as current ( never late ) and closed. The creditor does not have tracking information showing that I received the billing statements they were required to send me.
Product: Credit reporting or other personal consumer reports

I am writing to dispute inaccuracies reported by these organizations regarding my account. After reviewing my credit report from XXXX, XXXX, and Equifax, I identified the following discrepancies that require immediate removal : XXXX. XXXX XXXX - Account Number : XXXX **Discrepancies : - **XXXX  : ** Incorrectly lists the account as charged off with a balance of {$0.00} but does not reflect the accurate closing date of XX/XX/XXXX. 
- **XXXX  : ** Reports the last activity as XX/XX/XXXX, inconsistent with XXXX and Equifax XXXX. 
- **Equifax : ** Missing details entirely for this account. 



XXXX. XXXX XXXX XXXX  - Account Number : XXXX - **Discrepancies : - **XXXX  : ** Reports the balance owed as {$360.00} and lists the account as charged off on XX/XX/XXXX, which conflicts with my records. 
- **XXXX  : ** Reports last activity as XX/XX/XXXX but omits updated account resolution details. 
- **Equifax XXXX ** Reports similar balance but incorrect last payment date of XX/XX/XXXX. 

XXXX. XXXX XXXX XXXX - Account Number : XXXX - XXXX : ** - **XXXX : ** Reports a balance of {$220.00} as of XX/XX/XXXX, but no updated payment status or resolution is included. 
- **XXXX  and Equifax XXXX ** Do not provide sufficient details for this account, such as resolution or payment status. 
- **General Issue : ** The original creditor ( XXXX XXXX ) does not align with the account 's accurate reporting timeline or final resolution. 

XXXX. XXXX XXXX ( XXXX XXXX  ) - Account Number : XXXX Discrepancies : -** XXXX : Reports the balance owed as {$8800.00} but does not correctly reflect the charge-off resolution date of XX/XX/XXXX. 
- **XXXX  : States the last activity as XX/XX/XXXX, inconsistent with other reports. 
-**Equifax : Provides an incorrect closing date and fails to list the accounts final resolution.
Product: Mortgage

When I purchased my XXXX XXXX XXXX  I did it through XXXX and my Lender was XXXX XXXX. Before the Ink was dry it was sold to Freedom Mortgage. In XXXX of this year I received a Final notice from Freedom stating that I needed to have flood insurance ( I live on the XXXX floor ) I faxed to them twice and uploaded documents showing that my building has flood insurance. They went in and took XXXX out of my escrow to pay for flood insurance now I have a negative balance and this upped my mortgage payments XXXX XXXX dollars which I can not afford. Why when XXXX said I didnt need flood insurance are they stating I do. I live in flood zone XXXX  in XXXX which according to XXXX it presents a XXXX % chance of flooding. They will not work with me - my payment will increase next month.
Product: Credit reporting or other personal consumer reports

Transunion has incorrect inquiries listed on my credit report. Customer service would not help and take care of and remove the negative inquiries reporting to my credit report.
Product: Credit reporting or other personal consumer reports

Per the Fair Credit Reporting Act ( FCRA ), the list of accounts/promotional inquiries 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 15 U.S.C 1681 Section 602 ( A ) States I have a right 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 1681 ( c ) Section 605 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 for crimes which antedates the report by more than several years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information related 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

on XX/XX/2023 at XXXX I went to XXXX to get a copy of my credit report. I was given an error message. That said to write them to fix it. I believe I am a victim of ID theft. I need to access my file immediately! US Mail is too slow. 

HELP!