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

All XXXX major XXXX XXXX Are in violation. 

15 U.S. Code 1681i 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( XXXX ) 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. 

My account was furnished which is against the law. No one had my written consent. 

This company listed below is reporting inaccurate on all XXXX XXXX and Experian for example the late payments are reporting inaccurate. I have challenged this issue once before and it came back verified. Please reinvestigate this issue or I will press charges. 

This has damaged my reputation and my civil liability. 

Understand that it is {$1000.00} for every violation. 


XXXX XXXX XXXX Credit card Individual XX/XX/XXXX Account charged off. {$670.00} written off. {$670.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX XXXX XXXX BANK XXXX Credit card Individual XX/XX/XXXX Account charged off. {$660.00} written off. {$660.00} past due as of XX/XX/XXXX. 
XX/XX/XXXX XXXX XXXX XXXX XXXX Collection Individual XX/XX/XXXX Collection account. {$1300.00} past due as of XX/XX/XXXX. 
XX/XX/XXXX Also 15 U.S. Code 1666b - Timing of payments A creditor XXXX not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 

The Privacy Act of 1974, as amended, 5 U.S.C. 552a, establishes a code of fair information practices that governs the collection, maintenance, use, and dissemination of information about individuals that is maintained in systems of records by federal agencies. 

All three bureaus should be reporting the same accurate information, which in this case are not. Please delete these accounts.
Product: Credit reporting or other personal consumer reports

As of XXXX XXXX, 2024, Equifax is incorrectly showing that my XXXX XXXX XXXX credit card account is showing as an active account in which I am XXXX months past due. This information is incorrect. I called XXXX XXXX XXXX in XXXX XXXX and notified them to immediately close the account because I was a victim of a burglary and fraud and they immediately closed the account. As a result, XXXX XXXX XXXX should not be reporting my account as a current active account. XXXX needs to immediately remove this account because it is not an active account and was a result of fraud. They are malicously reporting this to tarnish my credit without pursuing the necessary investigation against the perpetrators who committed this fraud. I have attached a copy of the judges court order showing that I am a victim of a burlgarly in which the criminal XXXX XXXX used my ID and credit cards to make fraudulent transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have many incorrect inquiries on my credit report that I have never been affiliated with. Even some of the names and addresses on my report are wrong. I do not understand how these things are being tied to my name but i have nothing to do with this. 

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 Bankruptcy : Discharged XXXX XXXX Bankruptcy : Discharged XXXX XXXX
Product: Credit reporting

I am the victim of identity theft and I have placed a 90 day initial security alert on my credit reporting agency accounts. Experian notified me by mail that it has placed an *Initial Security Alert* on my account and that I am entitled to a free credit report. But when I used tried to order the credit report, using the Report Number Experian sent me I get a response that *We were unable to honor your request. * How do I get my free credit report from Experian?
Product: Money transfer, virtual currency, or money service

Chase bank helped me with a loan to purchase property. We were told to bring a cashiers check for {$85000.00}. This amount covered everything at closing including appraisal fee, flood certification, environmental, and future release fees. The day after closing, Chase bank withdrew {$4300.00}. That's was the total for the fees described above. Basically charged me twice for the same thing, but most importantly, they withdrew these monies without authorization which actually overdrew that account. We contacted on XX/XX/year>, today is XX/XX/year> and still isn't resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

The, below, is a copy of the letter previously sent to Chrysler Capital, with all personal information deleted, explains the situation. 

Good morning : My name is -- - and I was a very good customer of Chrysler Capital when I bought my son, a car on XX/XX/2015. " XXXX '' got his car because we honored our word that if he worked hard to get good grades in high school, we would get him a car. XXXX kept his word and so did we. 

When we bought " Son 's '' car from XXXX in XXXX, MI iXXXX XXXX, we signed a contract with XXXX and gave our word that we would make timely payments on the car over a certain period, and for doing so, we would get to keep the car and obtain a great credit report from Chrysler Capital. We kept our word, never failing. 

At the same time, we bought " XXXX '' car, we bought GAP insurance. Under the control of XXXX, our salesman, the GAP Insurer, chosen by XXXX, was XXXX, ( See Exh. # 1 ). We had no idea of the abject HORRIBLE reputation XXXX had for NOT keeping its word to protect its customers interests. ( See Exh. # 2 ). Before paying our claim, XXXX gave us the same deplorable run around experience they, seemingly, gave all their other customers. 

Unfortunately, my son totaled his car on a snow-covered road sometime thereafter. Thank XXXX he was unhurt. When that happened, we expected XXXX to honor its word to pay the GAP insurance on a timely basis. XXXX, did NOT honor its word, lost information and asked us for the same information multiple times. 

As a result of XXXX terrible record of paying claims I received a very bad credit report from Chrysler Capital. Despite my continued calls and communications with Chrysler Capital that XXXX was using every possible delay NOT pay my claim, Chrysler Capital reported me 90 days late and a Charge-off. The GAP insurance was eventually paid by XXXX but the damage to my credit was already done. This has bothered me for the last two years. I kept my word and was damaged despite having no control over the outcome by a GAP insurer chosen by XXXX. 

I do understand I have arbitration rights ; however, I am asking Chrysler Capital to do what I believe is right. I was a customer that was NEVER late with a payment because my credit is important to me. PLEASE consider removing all deleterious information from my account. 

If you would like to contact me, my email address is XXXX and my cell number is -- - The VIN associated with this account is -- -- and the last four of my SS # are -- -. Thank you. 

Sincerely,
Product: Student loan

For 5 consecutive months Navient has misapplied my student loan payments in a way that disadvantages me and enriches Navient. My highest interest loans receive the lowest distribution and vice versa with my lowest interest, despite my calling repeatedly asking this to be fixed and receiving a " promise '' that this will be corrected for the next payment.
Product: Credit card or prepaid card

I have a Bank of America Travel Rewards credit card with a balance of {$5500.00} due on XX/XX/2020. I paid the full amount through my bank 's bill pay system on XX/XX/2020, and Bank of America cashed the check on XX/XX/2020. Bank of America, however, neglected to credit my account, and furthermore, proceed to add late fees and finance charges to my account. I contacted Bank of America on XX/XX/XXXX, and was promised that they would perform a trace. However, I received a letter a week later claiming that they could not locate the payment. They failed to contact me ( or my bank ) to get any details of the payment that they had cased, so I question how they could have conducted this " trace ''.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 i went to a XXXX store to buy a sim card and the agent told me they have a plan for 4 for XXXX per month. When he asked for my social security number, I first asked him what for? He said JUST FOR THE APPLICATION. AND I ASKED HIM " WILL THERE be A CREDIT CHECK? HE REPLIED " NO. '' and again i asked if not even a soft credit check? ONCE AGAIN HE REPLIED " NO ''. Few minutes later i got an email from credit karma notifying me of a hard check while i was still in that store..i immediately complained. 
The rep called XXXX and I also called the same day to have them remove that, BECAUSE I CLEARLY STATED THAT I DO NOT CONSENT IN CHECKING THE CREDIT. XXXX SAID THEY WILL WORK ON IT AND I AM STILL SEEING IT ON MY TRANSUNION REPORT. 
XXXX TOLD ME TO COME ON THIS WEBSITE TO FILE THIS COMPLAINT AND IT SHOULD SPEED UP THE REMOVAL PROCESS.
Product: Vehicle loan or lease

Westlake management took over my financed account with XXXX XXXX told me I owed them so much money after repo ing my car and not providing any evidence that I owed the balance they said I was past due on. XXXX XXXX is currently out of business for this same reason falsely repo ing cars, taking more money then what they are actually owed and ect. My car was deemed totaled after someone hit me and the contract was not upheld the balance they say I owed was paid but still no proof provided to me of what the actual balance was when they took over the account and they claim to not have that information but they had a total to give the insurance company harassing me and declining to give me any proof to the amount they say I owe and is still charging me interest on a car thats paid for. And are reporting to you all I owe and I had GAP insurance. This is affecting my credit tremendously bc Im unable to get another car in reference to this.
Product: Credit reporting or other personal consumer reports

Between XX/XX/year> XXXX I notified XXXX due to a number of Data Breaches, Identity theft, Incorrect negative information- outdated, and Incorrect Information and eventhough the hospital sent it to collections, my attorney - advocate had them remove this information, as I am getting fiinancial aid from the company and It was removed some days ago, as well as a few bills that I had no knowlege of.

However, as incorrect Information was removed new ones appeared. As if I was being punished by all 3 bureaus acting as if their now aligned ( XXXX, XXXX ) lowering my score. I also was being approved for credit - XXXX  XXXX, and denied for other credit as my credit score changed as I filed the complaints. 

I have been diagnosed with XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and I had the family I was renting a hous from have a death of a parent and they fought each other to sale the house, and my family was homeless, as we all lost are jobs during the epidemic shut downs and companies closing, stayed in a XXXX XXXX XXXX as well. 

I was declared XXXX so I have no Federal Loan Debt, Period -It feels like these bureaus did't do indepth inquiries intenionally, or deliberately carelessly decided to cause me even more indepth hardship, instead of being a public service acting on demon time or just disregarded the work of looking into my cases, everythime I request them to look at each company of complaint coming back with the same or more b.s. I'm sick of this and wised they no longer were used.
Product: Mortgage

We have been pre-approved for a home mortgage loan through Wells Fargo working with XXXX XXXX. We knew on XX/XX/22 that closing would be on XX/XX/22. Most paperrwork was completed early. The XXXX XXXX XXXX in XXXX XXXX Texas requested paperwork on XX/XX/22 - which should have been requested by Wells Fargo, but was not done so. XXXX XXXX went on vacation and did not answer emails or phone calls or voice mail during the week of XXXX. No one could get any information since he did not have someone take care of his clients while he was gone. We learned on XX/XX/22 that we could not close on XX/XX/22. This is going to cost multiple families major delays in moving and hundreds of dollars. This is Wells Fargo 's mistake. They need to fix it immediately. They need to pay for any incurred costs due to their mistake. The title company said that they would work until XXXX pm on XX/XX/22 just to be able to close on XX/XX/22 however Wells Fargo is not accepting responsibility for the mistake/negligence/incompentence of their employee, XXXX XXXX. We need help to close on XX/XX/22. Any help you can give us will be greatly appreciated. No loan officers are on site in XXXX XXXX Texas. All work from their home. It should also be noted that we are paying over half of the cost of the house in cash. They should help us.
Product: Mortgage

I have been attempting to navigate the short sale process for 18 months on a property located at XXXX XXXX XXXX, XXXX XXXX, New Jersey XXXX. During this time, a cash settlement was offered and approved by Capitol One in XXXX of 2014. After approval, it was discovered that there were XXXX outstanding liens on the property. Upon the advice on my attorney, I filed Chapter XXXX Bankruptcy and as a result, the short sale process was re-initiated in XXXX of 2014. Since that time, I have had to be in contact with XXXX different individuals who continue to ask over and over for identical information, thus continually staling the process for a duration of 9 months. Most recently, I have received notice that a fore-closure procedure has been instituted, even though a cash buyer has and remains committed to the purchase and was previously approved.
Product: Debt collection

I XXXX XXXX am aware that my SSN belongs to the ( SSA ) Social Security Administration and any extension of credit with that identifying number is an obligation of the United States in accordance with 18 U.S.C 8 and being that American Express is attempting to collect a debt from I the consumer makes American Express guilty and in violation of the ( FCA ) False Claims Act 31 U.S.C 3729-3733.
Product: Credit reporting or other personal consumer reports

I had a Bloomingdales credit card account. I called to pay it off and close the account within the date allotted. The rep unbeknownst to me, failed to process my payment. All follow up notices were mailed to an incorrect address. As soon as I was made aware that they never closed the account / processed my payment I immediately called to resolve the debt. I had near perfect credit and this unfairly damaged my score. I have never had a late payment and need Bloomingdales to contact the credit Bureau to remove the charges, as they had made the mistake damaging my score. I can verify through phone records that this was handled way ahead of time. 
Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following Alleged Charged off Account XXXX is being reported inaccurately and needs to be deleted. 
The credit reporting agency failed to furnish the date of the last activity, and various other data fields are left incomplete. The amount charged off is lower than the balance and past due balance which leads me to believe this data furnisher applied additional charges to the account after it was " charged off '' delete immediately!!!. 

The date of the first major delinquency ( XX/XX/XXXX ) is contradicted by the date of last payment ( XX/XX/XXXX ) and the Payment Status Codes for the date of XX/XX/XXXX ( A month after the alleged date of first delinquency ) is 1 Which means the account was either paid on time or not more than one payment past due. The Date close is Allegedly XX/XX/XXXX but the Payment history calendar Scheduled Payments section shows Schedule payments for up to 3 Months after this account was allegedly closed Equifax is in violation of USC Title 15 1681b " accuracy of the report '' and USC Title 15 1681i 5 1-2 " Treatment of inaccurate or unverifiable information delete immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

On ( XX/XX/2023 ) I sent a letter regarding inaccurate XXXXate payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX  data breach and may have got into the hands of the wrong person.
Product: Payday loan, title loan, or personal loan

I took out a {$5400.00} personal loan through Upstart to furnish our first apartment on XX/XX/XXXX. 
This account has regularly shown incorrect information on account balance for the last 3 months. I have filed online disputes on multiple occasions. I paid off the loan on XX/XX/XXXX I called them on XX/XX/XXXX to verify they received and showed full payment, and to see if there was anything they could do to expedite the reporting process since it has caused a dip in my credit score with the introduction of an auto loan. Their response was that they couldn't do anything until the regularly scheduled payment date XX/XX/XXXX per company policy. 
I track my credit scores with XXXX and XXXX XXXX. I've made most of my disputes through them.
Product: Credit card

I had two credit cards with Chase. I filed a dispute with Chase on XXXX on one, and XXXX. On XXXX Chase was still requesting additional documentation and information. During the dispute process, I was still making payments, and had interest and fees charged. I found out along the way, that Chase never spoke to the merchant. Rather, third party billing individuals whom I never communicated with. I understand that the goods and services in this case is XXXX XXXX  and it most likely isnt something Chases employees wish to deal with. It does not change the fact that the content is supposed to begin and end with my name being used, as proof its mine. This individual chose not to for reasons unknown to me. As a result, I was not given what I paid for via tips online and purchase from a XXXX  boutique.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear XXXX : I am a victim of Identity Theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of Identity Theft
Product: Credit reporting, credit repair services, or other personal consumer reports

There are numerous accounts lists on my credit report that I currently have no knowledge of. This was a result of malpractice or an error.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX have no other recourse but to see if an act of kindness can be ascertained through the Consumer Financial Protection Bureau. During the year 2019 I was traveling to my original country on business and family matters, and my wife was in charge of family business, which included paying my bills on time. However, as a mother of XXXX children she lost focus. My statements with XXXX XXXX XXXX XXXX XXXX were not attended to properly, and therefore my perfect credit history was tarnished. I therefore request this member of the credit reporting agency system to give an honest review of my payment history and the removal of my late payments of XX/XX/2019 and XX/XX/2019. I am not disputing the current rating, but I am asking for an honest review and to be given every consideration for the negative payment removal. 
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. Act : XXXXXXXX XXXX XXXX Name : XXXXXXXX XXXX, XXXX Name : XXXX XXXX XXXX Act Name : XXXX XXXX 15 USC 1681 section 602 A, 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 an account without my written instructions. 15 USC 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 items of information, other than records of convictions of crimes which anteaters the report by more than seven ( 7 ) years. 15 USC 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 reasonably believes that the information is inaccurate. This is a clear violation of the Fair Credit Reporting Act ( FCRA ), as it falsely manipulates the statute of limitations. As a consumer, I am entitled to accurate and up-to-date information on my credit report, and I expect all reporting agencies to fulfill this obligation in compliance with the FCRA and other applicable Consumer Protection Laws. Because of this apparent neglect, I request that this erroneous information be immediately DELETE from my credit report, and that you provide me with an updated copy of the report once this has been done. Thank you for your attention to this matter. Sincerely, In accordance with the Fair Credit Reporting Act, The list of inquiries below has violated my federally protected consumer rights. Inquiry : XXXX, Inquiries : XXXX, XXXX XXXX, Inquiry : 15 USC 1681 section 602 A, 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 an account without my written instructions. 15 USC 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 items of information, other than records of convictions of crimes which antedates the report by more than seven ( 7 ) years
Product: Debt collection

On XX/XX/2019 I receive a letter from Security Credit services alleging that I owe them a debt for {$7000.00}. I quickly responded on XX/XX/2019 with a dispute letter saying please provided proof that I owe ( SCS ) any amount please show agreement that I owe. ( SCS ) receive my letter on XX/XX/2019 I have enclose my dispute letters in the attachment below They have failed to validate debt that allege that I owe and show proof that they can collect in my state and show proof that I owe this debit. I sent out another dispute letter on XX/XX/2019 stating you must show proof of debit I owe and validate proof, they have failed to show proof and fail to respond to my letter. I have enclose tracking # in my dispute letter and dates that they have receive my letter.
Product: Debt collection

I never received notice from this company money was due or that I could dispute this and they listed two on my report