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

I have submitted disputes regarding information on my credit report which includes balances that are over 3 months behind. I also noticed a significant drop in my XXXX and Equifax credit scores and was not told why. XXXX is the most accurate regarding balances and scores. There is a XXXX point discrepancy between XXXX and Equifax ( XXXX XXXX to Equifax XXXX ) and a XXXX point discrepancy between XXXX and XXXX ( XXXX XXXX ) I have disputed these balances on both Equifax and XXXX with XXXX response. Many of them state there is a lag in balance reports. XXXX is up to date why aren't the others? 

I asked for a Credit Report from XXXX with the representative online. He sent me to a website that was supposed to provide the report at the end of a lengthy questionnaire where I had to provide my social security number and date of birth, private personal information it said for XXXX I would have to submit a request by mail or phone or purchase their credit monitoring service.
Product: Credit reporting or other personal consumer reports

How are you? I hope all is well. I am writing to you because I recently reviewed my latest credit report and I found a few negative items that I have NOT confirmed or accepted to be accurate. Id like to ensure that you have and ONLY RETAIN current, TRUE, CORRECT, COMPLETE, and MANDATED REPORTED information per FCRA regulations. I DEMAND, as it is my lawful RIGHT ( s ) to do so, that you DELETE all information that is deficient of any condition, mentioned above.

I listed below all the information that I found to be untrue, incorrect, incomplete, untimely, not verifiable, and unsubstantiated. I have yet to be provided physical verifiable proof that the claims of negativity within my report are true. Ive noticed several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. Per 15 U.S.C 1681e 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 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity.

Furnish information about accounts or other relationships with an accurate consumer.

C - Conduct reasonable investigations of consumer disputes According to CRRG, to make a lawful report, you must follow the Metro 2 compliance standards.

Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( promptly ), completely, AND accurately as well - or else I would have to escalate these issues to the CFPB , FTC and my Attorney General. 

Listed below are the Accounts that are being challenged XXXX XXXX XXXX  - XXXX Listed below are the Collections that are being challenged XXXX XXXX XXXX XXXX - XXXX
Product: Checking or savings account

On XX/XX/2022 I withdrew ( in the form of a cashiers check ) {$290000.00} from my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I deposited this cashiers check into my account at Chase bank XXXX XXXX XXXX XXXX XXXX in XXXX XXXXXXXX XXXX XXXX The check did not clear despite being a cashiers check, and a hold for XX/XX/XXXX was stated on the receipt, after the funds were deposited. I told the branch manager this was unacceptable given that the check was a cashiers, or bank, and not a personal check and should be considered cash. I left that branch and went to the Chase bank branch in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, which is where I typically bank. The bank manager submitted a motion to lift the hold on the check although this did not work. I returned the following morning and with one of the bankers we applied to remove the hold. This morning again, on XX/XX/XXXX, I had the banker apply to remove the hold and this was once against declined. Ive spent several hours over the last few days on hold with Chase customer service and no representatives, or supervisors can lift this hold and state I must wait until XX/XX/XXXX until the release of funds. Ive had to cancel a business trip, postpone a transaction, and even lose a transaction as a result of Chase banks actions. They provide no sufficient cause as to why they are holding my cashiers check, especially after XXXX XXXX has verified the funds had left the account XX/XX/XXXX, immediately when the check was printed. Had I gone to another banking institution, this likely wouldnt be such a problem, but it appears this is too typical of an issue while banking with Chase. I regularly encounter issues with Chase/JP Morgan Chase where they hold my money, mind without paying interest, for extended periods of time, disrupting my personal life and business, without just cause. Recently I was in another country and Chase canceled my debit cards for suspected fraud, leaving me thousands of miles from home with no way to even pay for a taxi to my hotel or to even check into my hotel. I had no place to stay for one night and waited in the hotel lobby until Chase customer service was available
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am submitting this formal dispute regarding the account listed on my credit report as follows : Creditor : LVNV Funding LLC Balance : {$500.00} Account # : XXXX This account is not mine and has been determined to be fraudulent. Moreover, the original creditor, XXXX XXXX XXXX XXXX through its account servicer XXXX XXXX XXXX, entered into a settlement agreement with me acknowledging that this account was opened fraudulently and is not valid. 

Description of What Happened : I discovered this account on my credit report and identified it as fraudulent. After extensive investigation and legal action, the original creditor reached a settlement agreement with me, acknowledging the accounts fraudulent nature. Under the terms of the settlement, the creditor agreed to : Delete all tradeline information associated with this account from my credit report. 
Waive any claim to collect on the account. 
The attached Settlement Agreement and Release of Claims, signed by both parties, demonstrates that the account is not legitimate. Despite this resolution, LVNV Funding LLC, as a third party, continues to report this invalid account, which constitutes a violation of my rights under the Fair Credit Reporting Act ( FCRA ). 

Actions Taken by Me : Reported identity theft and disputed the account with the original creditor. 
Reached a settlement agreement with the original creditor acknowledging the accounts fraudulent nature. 
Filed disputes with credit bureaus to remove the invalid account. 
Requested Resolution : Under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), I request the following actions : Remove this account from all credit reporting agencies and ensure it is no longer associated with my name or credit file. 
Cease all collection attempts and communication regarding this account. 
Provide written confirmation that the account has been permanently removed and that no further action will be taken regarding this matter. 
This fraudulent account is causing unnecessary damage to my credit profile, despite the attached legal agreement confirming it is invalid. I expect a prompt resolution to ensure my credit record accurately reflects my legitimate financial history. 

Thank you for your attention to this matter. 

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

Ive asked the XXXX XXXX  XXXX XXXX and McCarty burgess & Wolff to verify the information on my credit report has been accurate and they agreed disputes were summited and closed. Inaccurate information including delinquency dates and amounts on all three credit reports, XXXX, XXXX, and XXXX XXXX. 


McCarthy Burgess & Wolff XXXX XXXX XXXX XXXX OH XXXX I am formally requested them to validate that this account actually belongs to XXXX XXXX XXXX XXXX and confirm the reporting is accurate. Also according to Fair Debt Collection Practices Act the FDCPA Law A debt collector may not collect any interest or fee not authorized by the agreement or by law. Any misreporting violations of my agreement should be immediately removed and deleted off my credit report. 

I am formally requesting that the account with be considered for deletion and all trade-line listings that were submitted to the three major credit reporting agencies be deleted due to inaccurate reporting for law violations. 

Supporting documentation includes myfico reporting of all 3 major credit bureaus, fair, credit, reporting act, and signed notary. 

License Social security And other documents uploaded
Product: Credit reporting, credit repair services, or other personal consumer reports

I am concerned about the validity and accuracy of the recent investigation done by the credit bureaus..I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility.. Credit bureaus failed to give me the result of their investigation, I assume they were unable to verify it ... The error has affected my credit score. CFPB please step up and delete this ASAP.. This is ruining my credibility.. No one wants to grant me a loan because of this error XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX  ( Original Creditor : MEDICAL ) XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX,
Product: Credit reporting or other personal consumer reports

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Account Opened : XX/XX/XXXX Account Balance : {$4200.00} Account Name : XXXX XXXX XXXX Account Opened : XX/XX/XXXX Account Balance : {$6800.00} Account Name : XXXX XXXX XXXX Account Number : XXXX Account Opened : XX/XX/XXXX Account Balance : {$70.00} Account Name : XXXX XXXX XXXX Account Open : XX/XX/XXXX Account Balance : {$120.00} Hard Inquiries XXXXXXXX XXXX XXXX Inquiry Date : XX/XX/XXXX
Product: Credit reporting

we have disputed with all of them for years, under the fair credit act anything in collections gets deleted because we do not have a agreement with the collections company we have a agreement with the credit card company and they will not remove them at all
Product: Student loan

I contacted Mohela to address this issue on XX/XX/XXXX, and Mohela refused to adjust the interest accrued on my student loans account during extended periods of administrative forbearance placed on my account due to their processing delays. 

The first administrative forbearance was from XX/XX/XXXX to XX/XX/XXXX, and Mohela informed me of it on XX/XX/XXXX. Based on the news, this administrative forbearance is due to the backlog that Mohela experienced while student loans first started going into repayment again. My account didnt have any student loan bill due in the meantime, and I was not given any student loan billing statement until XX/XX/XXXX. The student loan billing statement I received showed that I had an amount due on XX/XX/XXXX. After seeing this, I applied for the SAVE plan on XX/XX/XXXX, which was approved on XX/XX/XXXX, with a scheduled begin date of XX/XX/XXXX. However, Mohela sent notification to me on XX/XX/XXXX to inform me that it put me on an administrative forbearance from XX/XX/XXXX to XX/XX/XXXX. 
Due to the processing delays by Mohela, I was placed on administrative forbearance from XX/XX/XXXX to XX/XX/XXXX, and my account ended up accruing interest in the amount of approximately {$6900.00}. I contacted Mohela and was informed it would not adjust the interest due to the type of forbearance I was on. 

Based on the information provided by the education department below, I believe Mohela should be held accountable, and the interest accrued during the administrative forbearance periods should be adjusted to {$0.00}. 

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

XXXX. Capital One XXXX XXXX paid in full and should be removed /deleted. This account is posted multiple times with XXXX, XXXX and XXXX. 
XXXX. Capital One Bank is reporting multiple times as well on XXXX, XXXX and XXXX Capital One XXXX is reporting multiple times XXXX, XXXX and XXXX. 
XXXX XXXX XXXX XXXX reporting closed accounts ie Capital One XXXX XXXX
Product: Credit card

They notified me of fraud charge from XXXX and blocked it. But then they processed it. they told me to call them to turn my card back on. They dont answer the phone. Ever. Horrible company in dealing with fraud.
Product: Mortgage

I filed a complaint about discrimination my husband and I faced while trying to get a mortgage loan through JPMCB. The company responded and did not address that the employee has said anything discriminatory, and said that they do not offer any products for credit scores under 620. The website, multiple forums, and the FHA requirements are XXXX, and JPMCB advertises FHA loans for credit scores that wouldn't qualify for a conventional loan ( XXXX ) so how is it that JPMCB both facilitates FHA loans but doesn't facilitate the credit score? Furthermore, disparate impact is illegal and a violation of HUD Fair Lending law. If you service FHA, you service people with credit scores under 620. You also can not legally say that you don't take any public assistance programs for down payment.
Product: Debt collection

I recently received a copy of my credit report and found proof that they are illegally reporting inaccurate information about me. The following alleged collection account is not only listed as being XXXX but also has a past due balance of XXXX. This is a violation of the FCRA and is in violation of requisite XXXX compliant reporting standards. 

According to the Fair Credit reporting Act I have the right to a completely accurate credit report, and they are required to remove any information that is not true, verifiable and accurate. 

I request that they immediately remove this account from my credit report and send me an updated report showing their compliance with all XXXX reporting standards and this account removed upon completion XX/XX/year>
Product: Checking or savings account

I sell cards and I got a lump sum of almost I think it was {$5000.00} and stuff and they said it was looked like it was fraud and stuff and they took my money and close my account
Product: Credit reporting

I have several accounts on my credit in which I have asked the creditors to " validate '' their information. Validate if I was ever late, details when, validate if a debt was mine- I just keep on getting same response : nothing. my rights under FCRA have been seriously violated. law says if a creditor can not validate/prove in 30 days of my dispute, they must remove. I am writing to you about American express, XXXX and XXXX. I will give account numbers upon request.
Product: Credit reporting or other personal consumer reports

Dear Experian/XXXX/XXXX, This letter serves as a formal dispute under the Fair Credit Reporting Act ( FCRA ) regarding the inaccurate address listed on my credit report. Despite multiple previous notifications, the address XXXX XXXX XXXX, XXXX, NJ XXXX remains on my report. 

As per 15 U.S.C. 1681i ( a ), I request an immediate reinvestigation of this disputed information. I do not have legal access to the mailbox associated with this address as the key was turned into the post office, and I have received calls from the leasing office regarding this issue. It is essential that you delete this address from my credit report since it is no longer valid for me and is impacting my credit negatively.

Furthermore, under 15 U.S.C. 1681c ( a ) ( 5 ), consumer reporting agencies are required to maintain accurate and up-to-date information. Continuing to list an address at which I do not reside and to which I can not legally collect mail constitutes a violation of this statute. The United States Postal Service can verify that I no longer reside at this address. Additionally, you can contact the leasing/property management office at ( XXXX ) XXXX to confirm that I do not reside there. 

I request that you correct this error promptly and confirm in writing that the incorrect address has been removed from my credit report. 

Thank you for your immediate attention to this matter.
Product: Credit reporting

Mortgage paid off in good terms when sold. Is marked as " closed - Derogatory
Product: Checking or savings account

My Name is XXXX XXXX XXXX, I have a bank account with Wells Fargo bank, Account # XXXX, on XX/XX/XXXX I deposited a check of {$1900.00} check # XXXX to my account using Wells Fargo mobile deposit on my smartphone, I must have lost the physical check because on XX/XX/XXXX the physical check was negotiated at another location, from either another bank or check cashing, on XX/XX/XXXX Wells Fargo bank paid for that check again, by using the funds in my bank account. A thief, presented the check to a bank or check cashing, the bank or check cashing should have the ID of the thief, since there is no other ID on back of check, the thief only used his/her phone number and address which is probably false we tried the phone number its not working I have no way of knowing who the thief is, I would ask the party that presented the check to wells fargo the second time for the ID of the person that presented the check to them, they had no right to cash or deposit the check without ID. Bottom line, if the financial institution did their job it should be easy to identify the person that presented the check the second time. I am uploading a copy of the check and the banks letter
Product: Money transfer, virtual currency, or money service

PNC does not work with XXXX This is preventing me from easily connecting to XXXX and XXXX. Its really XXXX  me over here. Worry about customers rather than your own pockets. Thanks.
Product: Debt collection

The debt collection company, called Superlative RM, has contacted at least one relative that I have not lived in the same household with since I was a teenager. This relative has nothing to do with this debt and the debt was incurred at least a decade after we ceased living in the same household.
Product: Credit card

Hello, my name is XXXX XXXX I have been reporting this account for also a XXXX XXXX XXXX I have never opened this account this and XXXX other accounts was open in my name and my identity has been compromised. I been telling that I have not open this account. The transactions are not mines. I dont even know what the card look like. I never received anything until my credit went from XXXX now its in the XXXX because someone open an account in my name. I need this report off my credit. I didnt know about this account & legally didnt sign for it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Notified trans union XXXX and XXXX on XX/XX/2022 and have to be notified of my disputes being investigated and violates my rights as a consumer
Product: Credit reporting, credit repair services, or other personal consumer reports

In my Equifax Credit Report, under hard inquiries, they list XXXX XXXX as having made a hard inquiry. Under national credit cards.I did not authorize this hard inquiry, and suspect it may indicate fraudulent usage. They list it as having taken place on XXXX XXXX, 2018.
Product: Credit reporting, credit repair services, or other personal consumer reports

Months ago, I have sent a letter to the XXXX credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$3400.00}, {$5800.00}, {$15000.00}, {$21000.00}, {$0.00}, {$1000.00}, {$11000.00}, {$0.00}, {$29000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS XXXX. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3400.00} -This is not my account. 

XXXX. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5800.00} -This is not my account. 

XXXX. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$15000.00} -This is not my account. 

4. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$21000.00} -This is not my account. 

5. XXXX XXXX XXXX  XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

6. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1000.00} -This is not my account. 


-- XXXX XXXX 7. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$11000.00} -This is not my account. 

8. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- COLLECTION ACCOUNT 9. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$29000.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried multiple times to contact trans Union and get my account information fixed on balances deliquencies ect. and they keep sub tracting huge points like negative -77 at a time. they don't have my years of credit coreect. and yoyu can see a huge difference between XXXX   report compared to Trans Union. its not fair and I have worked diligently to improve my credit score.