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

Called the courthouse asking do they report bankruptcies to the credit bureaus and they said They do not report any bankruptcies to anybody. County Clerk told me reffer to there website. ( See Attachment ) So if thats the case. How did the credit bureaus verify my bankruptcy as 100 % Accurate. They never did a fair investigation according to the 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

They also violated my rights numerous times. 

The credit bureaus violated my given rights under 15 USC 1681.

According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

According to : 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 According to : 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

This is my 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 belongs to me, or that I have signed any agreement. The items I am questioning are fraudulent and that are all unknown to me. Based on FCRA Section 605b, It is the resposibility of the Credit Bureaus to remove these inaccurate items which are not belongs to the owner. The following items needs to be removed immediately on my credit file : XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX Balance {$360.00} ; XXXX XXXX XXXX XXXX XXXX  Balance {$3400.00} ; XXXX XXXX XXXX XXXX  Balance {$1100.00} ; XXXX, XXXX XXXX XXXX : {$48.00} ; XXXX XXXX XXXX XXXX  Balance : {$570.00} ; XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX Balance {$3400.00} ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Balance {$360.00} ; XXXX XXXXXXXX XXXX XXXX Balance {$1100.00} ; XXXXXXXX XXXX  Inquiry : XXXX. XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the accuracy of the information being reported on my credit report for the account listed below. This dispute is in accordance with the Fair Credit Reporting Act ( FCRA ) and the XXXX XXXX standards as outlined by the XXXX XXXX XXXX XXXX ( XXXX ) .Account Information : Creditor Name : XXXX XXXX XXXXAccount Number : XXXXAccount Type : Charge CardDate Opened : XX/XX/XXXX, XXXX : {$24.00} ( as of XX/XX/2023 ) Credit Limit : $ XXXX : Charged Off, {$24.00} written off, {$14.00} past due as of XXXX XXXX above account information is inaccurately reported for the following reasons : Reinvestigation Requirement under XXXX : According to XXXX XXXX guidelines and the XXXX automated dispute system, this account has already been re-investigated and should not continue to be reported with potentially negative information. The continual reporting of this charged-off status and delinquency is incorrect.Consumer Law Violation : Under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), creditors and credit reporting agencies are required to report accurate information. The account was reinvestigated and resolved, thus the continued reporting of this account as charged off with a past due amount is misleading and damaging to my creditworthiness.Inaccurate Payment History : The payment history reported contains multiple inaccuracies : The charge-off status reported for XXXX and XX/XX/2023 contradicts the reinvestigation results.The payment history reflects delinquency dates ( XXXX, XXXX, XXXX, XXXX, and XXXX days late ) that are inconsistent with my records and the reinvestigation findings.Account Status : The account is reported as " Closed '' with a status of " Charged Off, '' despite having been reinvestigated and resolved. This incorrect status must be updated to reflect the accurate and current state of the account.Given the inaccuracies and violations of both XXXX XXXX standards and consumer protection laws, I request that you immediately delete this account from my credit report. Enclosed are copies of my credit report with the disputed account highlighted, as well as any supporting documentation from the reinvestigation process.
Product: Vehicle loan or lease

As any company in the USA you're supposed to receive payments for the services you give and the consumer is supposed to pay it. The thing is that a company like Honda Financial Services will limit you to only making payments through the phone and take away all other possibilities of making a payment like paying online. This is against consumer rights. I should be able to make the payment when and how I want as the consumer with all the options the give. I never heard of a company take away a consumers options to make a payment.
Product: Credit reporting or other personal consumer reports

When I checked my credit report tonight, I was shocked to see incorrect accounts listed out of nowhere, with no clue as to why they appeared. Ive been monitoring my report regularly without any problems until now. I tried refreshing my browser to rule out a glitch, but nothing changedthe errors persisted. Due to this, Im urgently requesting a thorough check of the documents Ive submitted, so I can finally have peace of mind about this.
Product: Credit reporting, credit repair services, or other personal consumer reports

Between XX/XX/XXXX and XX/XX/XXXX, NMAC has received and responded to 8 electronic credit disputes in which XXXX XXXX is claiming fraud. The investigation has gone to almost 2 years without being completed. The account was accepted as fraudulent, the original creditor was notified and agree, but had not received any updates to XXXX XXXX consumer report. This account had been a major impact to my everyday life and causing a lot of issues. I suggest all 3 credit report agencies complete their investigations and give me my life back. 
Also, ID theft was also filed with the FTC back in XXXX but they seem to ignored it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've noticed that some accounts have been reported to my credit that doesn't belong to me and I've been trying to work with the credit bureau since XX/XX/2020. My name is a common name and they were reporting a person with similar name and they were able to help me to correct most of them and removed from my credit, but AMERICAN EXPRESS, they insist that those two accounts are mine ( both accounts are closed but one has a balance of {$12000.00}. I called American Express to try to find the account providing my social security and they weren't able to find any account under my social, and now they are sending me to a collection and this is affecting my credit. 
I have been told them that my name is different that the name that they are sending the letters, also the addresses that appear on my credit are from another State that I have never lived there. American Express send a letter on XX/XX/2020 telling that they've verified the accounts an that I was making payments from XXXX  XXXX XXXX and XXXX XXXX accounts which is also incorrect. I don't have any account with any of these institutions. These two accounts belongs to somebody that have similar name and as you can see on the attached letters the name is not my correct name. I will ask you make a deep investigation in this issue as I've been trying to fix it since XXXX and this is affecting my credit score, some companies are reducing my limit and I can't open new accounts. This information is been reported to the three bureaus. 
Credit card companies must have different forms of ID 's on their file to prove that the information is correct. I can proof that I have never have any American Express in my life and I won't open one in the future.
Product: Debt collection

I need to dispute a charge on my credit. There is a matter that the company should have taken me to court over because the lease at the apartment complex that I was renting at was voided, as proven by lawsuits by other renters that were released from the contract because amenities at the complex were closed without notice. Please understand I left the apartment XXXX month prior to what the lease would have been holding me to, had it not been voided by property management when they removed the amenities without notice. 

I rented at XXXX XXXX in XX/XX/XXXX. The contract for some reason was set up for XX/XX/XXXX to XX/XX/XXXX. I rented at this complex because it advertised an indoor pool and fitness center that I could enjoy throughout the year. In XXXX approximately, I went to swim at the pool and the doors were locked without any notice and no sign was posted that it would not be reopened. No notice was given and two weeks later, I inquired as to when the pool would be reopened. They stated it was closed for repairs and would be open again soon. A week after that I inquired again and was told the pool would not be reopened at any point in the future. The fitness center was also locked and unable to be used. Later, around XXXX, A neighbor stopped me outside of the apartment and was very upset that he rented just 2 months prior to these being closed and that he was taking them to court to be released from his contract. Later, I found out that he and several other tenants won judgments in court that the contract was voided and we could not be held to them. As amenities were advertised and not provided. The cost of rent was higher to cover the amenities. 

On XXXX XXXX, I turned in the keys after cleaning the apartment and leaving it in better shape than the day I rented it. As the contract was voided for others, I also am not responsible for the {$750.00} rent for the month of XXXX. Later, I found out that they reported the {$750.00} to collections and the credit bureaus. As this is a civil matter, I feel if they believe that I owe them they are obligated to take me to court over this amount and are illegally reporting this to my credit and turning me into collections. I do not owe this money and this is unfairly being reported. I have emailed them and asked them to remove this. I feel it would be unfair for me to pay travel expenses, attorney expenses and court costs to resolve this matter. I am in Ohio, I believe that if they feel I owe this, they should have to take me to court for this amount. I never received notice from the apartment management that this money was owed at any point. 

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

I have attempted to dispute erroneous accounts that are present with XXXX XXXX, and TransUnion but they have not responded to my letters. This is a violation of the Fair Credit Reporting Act and the disputed accounts should be removed. I have attached the certified mail receipt number for evidence. I have additionally attached the letters themselves that were sent to the credit bureaus back in XXXX. 

Certified mail receipts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX TU
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/22 a fraudulent hard inquiry was made on my behalf for a credit card at XXXX. I was notified via email and immediately called XXXX and submitted a dispute on Equifax. XXXX saw no account opened, but assured me that they would send communication to Equifax, indicating that it was a fraudulent inquiry. I also placed a freeze on my credit report with Equifax.
Product: Checking or savings account

Checking account was opened fraudulently at Chime. I was notified via email that I would be receiving my debit card in the mail, which caused me to reach out to Chime and close the account. I called Chime to inquire about when this account was opened, who opened it, why someone would use my actual address and email to commit fraud and they were unable to answer any of those questions on the phone. Instead, they sent me a link and asked me to upload with a police report OR an FTC report ( CFPB complaint doesn't count ), and once I submit those things, someone would email me some information. It was not possible to speak with management and I have concerns about Chime 's fraud and KYC processes since this account was opened without any government issued identification. I have not lost my passport nor driver 's license, so its not possible that someone provided those to open the account. 
I also happen to work in financial services as a XXXX XXXX XXXX XXXX in consumer banking, so I am very familiar with internal risk management and fraud processes and regulations. I am concerned that Chime either did not follow their processes, or that the risk management structure they have is inadequate.
Product: Credit reporting or other personal consumer reports

I am writing to request the removal of unauthorized credit inquiries on my ( name of the credit bureauXXXX XXXXXXXX and/or TransUnion ) credit report. My latest credit report shows ( number of hard inquiries you are disputing ) credit inquiries that I did not authorize
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted XXXX XXXX XXXX to dispute items from my credit report. 

XXXX XXXX XXXX for the amount of {$2300.00} which is not my account! The Bureau havent sent me documents proving that this is my debt but sent me update saying that this item will be deleted. As of XX/XX/2022 the account is still on my file TWICE MICHIGAN XXXX UNIVERSITY for the amount of {$8300.00} also account thats not mine! XXXX refuse to remove this account from my credit file JJ MARSHALL & ASSOCIATE for the balance of {$5400.00} is inaccurate on my file also! Its reporting twice which brought my score down to XXXX
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX of Inquiry XX/XX/XXXX, XXXX XXXX XXXX of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXXXXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX  XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

After reviewing my credit reports I discovered an account from Eastern Account System Inc. I have disputed these accounts several times with the credit reporting agencies and has gotten no resolution. So, I decided to dispute directly with the company who reported this information. I sent a letter requesting validation of debt for Account # XXXX via certified mail on XX/XX/year>. USPS Tracking states it was delivered and signed for on XX/XX/year>. I have given Eastern Account systems Inc over XXXX  days to response and they have not. I wanted this information removed from my consumer report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a Chase Bank customer for over 20 years, I had car loans through them through out the years. Five years agoI went through a divorce in the process of my divorce I manage to pay of my car that was finance by Chase Bank. Two years ago my kids wanted an item on XXXX I applied for there promotion they had and to my surprise I was denied it said Chase Has denied your credit application. I called them they told me there was nothing they can do. Almost three years later I applied again They denied me again. I feel that Chase Bank Credit Financing is being extremely unfair, plus Im trying to buy a house right now and this Is affecting my family. Life is not easy after a divorce. Everyone knows that our credit scores are very important. This company Chase Credit Financing, Chase Bank right now is stopping my family the opportunity to  progress and achieve in life again.
Product: Debt collection

XXXX XXXX began calling us on XX/XX/XXXX 2017, the claim was not identified at the time and the caller was extremely aggressive in trying to collect a debt of {$220.00}. Once I explained to them that we are stationed overseas so it was past XXXX ( XXXX local ) which violates their rules as well we have no idea the service because she did not identify the claim at hand. She was even more aggressive in trying to collect to which I cancelled the call and blocked the service provider. Since then we would still receive multiple calls from the service from different numbers throughout the morning and the course of the day and late into the evening. The calls became harassment very quickly with no information on the claim, finally I was able to force a caller to give us the claim information which came to XXXX XXXX XXXX under XXXX XXXX. The issue is we have never heard of this company and we only had one provider for the past 3 years how we contacted and said our account debt free since we left the country. The caller became angry and refused to give any information stating to google it ourselves and I cancelled the call. After speaking to all of our banking services and checking our credit reports we saw no sign of this magical debt we apparently owe.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an account called " XXXX XXXX XXXX XXXX '' on my credit report which is fraudulent. This was opened up by someone who stole my identity back in XX/XX/2010. I have filed a police report and an affidavit and forwarded it to the all of the credit reporting agencies. XXXX  and XXXX removed the information except for Experian. They never took it off or took my case serious. I have disputed this account a numerous of times with Experian but never removed this fraudulent information from my credit report. I am very dissatisfied with this credit reporting agency because they should take fraud more serious and report accurate information. If you all can help me remove this fraudulent information off of my credit report, please do so. Thanks a lot.
Product: Credit reporting or other personal consumer reports

I have recently identified an issue with my credit report that indicates a 30-day late payment from XXXX XXXX  XXXX However, after speaking with a supervisor on the phone at the bank on XX/XX/2023, I was told that XXXX Bank only reports 60-day late payments and not 30-day late ones so I don't know how this was even possible. I have always made sure to pay my dues on time and have never been late by 60 days on any of my payments. The supervisor recognized the error from their end and reassured me that this incorrect information should be removed from my credit report. To substantiate this, XXXX will be sending me my statements from XXXX, XXXX, and XXXXXXXX XXXX XXXX, which will illustrate my prompt payment history. I kindly request that this erroneous information be removed from my credit report and updated accurately at the earliest.
Product: Credit reporting or other personal consumer reports

Experian, the reporting agency unlawfully used principal 's personal identifying information in an unauthorized way, by committing fraud and misrepresenting principal 's intent without principal 's consent. Experian fraudulently placed the following " personal statement '' on principal 's credit report, claiming to be the principal, without the consent and authorization from principal or agent for principal, and without attempting to obtain such consent and authorization from the principal or the agent for the principal : " PERSONAL STATEMENTS XXXX & XXXX XXXX ID SECURITY ALERT : FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST VERIFYING THE IDENTITY OF THE APPLICANT. I CAN BE REACHED AT XXXX. THIS SECURITY ALERT WILL BE MAINTAINED FOR 1 YEAR BEGINNING XXXX. '' This is an unlawful and gross unauthorized use of personal identifying information, in what I believe to be a long going series of discriminatory, fraudulent, false, deceptive and misleading business practices as well as privacy crimes, in order to negatively effect the principal in question 's free exercise of his rights in commerce, and to unjustly gain from keeping a certain demographic of consumers in lower scores than should actually reflect by using these said unlawful practices. 

The principal had recently notified the CFPB and reporting agencies of unauthorized inquiries on the principal 's credit report. In what I believe to be discriminatory retaliation, and what I know to be fraud, and unauthorized use of PII, instead of Experian immediately removing the unauthorized inquiry, Experian, fraudulently placed a fraud alert on the principal 's credit report without the principal 's or the principal 's agent 's consent, and wrote it from the XXXX point as if the principal wrote it, and disclosed further personal identifying information of the principal without the principal 's consent. This fraud upon the principal is clear, and the fact that, Experian, did not remove the unauthorized inquiries yet, as of this notice, is further prime facie evidence deceptive practices, showing they are quicker to do an unlawful and fraudulent act, before they carry out their fiduciary duty to protect consumer 's privacy, and conduct business strictly within the intentions of the United States of America XXXX XXXX, outlined in the provisions of the Fair Credit Reporting Act, and other applicable enacted statutes and regulations. 

This notice will stand as an addition to the record of the ongoing series of discriminatory events regarding Experian, and other reporting agencies involved, compiled for private action.
Product: Debt collection

XXXX XXXX XXXX XXXX is saying I owe money, when property unit was left in Normal condition and they kept all my deposit. Ive requested an itemized bill, have not received. Ive recieved call with threat to my credit and very rude unprofessional customer service.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX Account # XXXX {$2900.00}. please remove unauthorized/ inaccurate collection off my credit report immediately you are in violation under 15 USC 1681B and 15 USC2f.
Product: Credit reporting

The credit bureau provided my credit report and all my information to XXXX XXXX XXXX XXXX XXXX. I have never given permission or authorization for my information to be provided to this company that I have no relationship with. This company used deceptive practices with my husband who attended XXXX XXXX XXXX and that is how I am aware of them. They had no right to look at my personal information and cause damage to my credit because of too many inquiries that did not result in a credit offer. I NEVER REQUESTED A STUDENT LOAN FROM THIS COMPANY AND THEY HAD NO RIGHT TO INQUIRE INTO MY PRIVATE CREDIT INFORMATION.