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

I greatly value the relationship I have with the following creditors and have consistently made on-time payments forsuch a long time.This isolated incident does not reflect my overall commitment to honoring my financial obligations, and I have since taken steps to ensure this will not happen again. 

Account : XXXX XXXX  Account # : XXXX Date Opened : XX/XX/2023
Product: Credit reporting, credit repair services, or other personal consumer reports

CHRYSLER In XX/XX/2020 Chrysler offered Covid payment deferment, however, failed to mention it could take 45 days and they would report you to the credit companies for late payment if any payments we paid late even with APPROVAL of deferment. Our account was current, filed for deferment, we were told it was placed on our account as approved, and then next month was informed on our credit monitoring that the payments went in our credit as LATE PAYMENT, hurting our credit scores tremendously. 
Since then I have written two letters to the resolution department for Chrysler, I have been informed there is apparently no other way to contact them, no phone number just a PO BOX . And have yet to get this situation resolved. 
Not only do they have a terrible customer service layout for settling this type of issue but the representatives do not give full or accurate information on your account or details on what their " programs '' entail. 
This remark on our credit is inaccurate and should be removed immediately.
Product: Credit reporting or other personal consumer reports

I have recently looked at a copy of my credit reports from XXXX, Equifax, and XXXX and noticed several inaccuracies on my reports. There are many different names and addresses that are inaccurate and I do not recognize. I asked for the agencies to update my reports with my accurate and current residential information as well as employment information and none of these have been removed. 

It is my understanding that you will investigate these reports for me to ensure the correct information is reflected on my accounts as this hurts my ability to verify my identity to obtain credit.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  account name XXXX XXXX XXXX account number XXXX has violated my rights. 

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

15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

I like to request the removal of multiple unlawful hard credit inquiries from my credit report. I've obtained a copy of my credit report from your agency and observed the presence of unapproved inquiries. The following is a list of the unauthorized inquiries. 
XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX
Product: Checking or savings account

Ok hey im XXXX XXXX. I bank with Chime mobile banking. So on Tuesday XXXX the XXXXXXXX XXXX  as I was leaving XXXX XXXX XXXX in XXXX XXXX I received a text from Chime that said my chime number and email on my account had just been changed. I didnt do it as I was driving and I was confused. I got a bit worried and pulled over. So then I tried to login and check my Chime account. It said I cant login as I said earlier the email and number on my account had been changed. At that moment I realized someone had to have gained access to my chime account. I then proceeded to call Chime member services to report what had happened. Eventually an agent verified to me that my savings had just been transferred to my checking and then drained. I couldnt see it becasue I still had no access to my account. I then told him that was not me and I never authorized any money transfer as I dont even have access to my account at the moment. I then proceeded to open a dispute with chime for the unauthorized transaction. They said an investigation would commence and to send them what ever info I had at the moment. I did. Then I proceeded to try and get back access to my account as I was getting a direct deposit from my job in 2 days and I needed to be able to show the police the fraudulent money transfer to make a police report. I managed to gain access to my account again after being on the phone and verifying my info with a agent that same day at night XX/XX/XXXX between XXXX. I logged in and saw my savings was gone. {$3200.00} was transferred from my savings to my checking which made it {$3300.00} then it was transferred to another account as a pay anyone transfer. I was beyond stressed and obviously upset. I planned on going to the police station the next day and I did. As I got my police report and went home to show chime I was met with an email that the dispute has already been denied already in 1 day. Before I even showed them my police report. Clearly and investigation wasnt done. I was livid and told them to open it back up and to do a proper investigation and then uploaded to my report. I haven't gotten any resolution yet. I need some help.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

2. Validate Account XXXX Account Number : XXXX Please remove it from my credit report. 

3. Validate Account XXXX Account Number : XXXX Please remove it from my credit report. 

4. Verify This invalidated account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

5. Verify This invalidated account XXXX  Account Number : XXXX Please remove it from my credit report. 

6. Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

7. Verify This invalidated account XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Product: Mortgage

After the death of the original property owner, her heiress, henceforth XXXX completed a family transfer package for OCWEN and received a permanent modification of the mortgage under her own name However, mortgage statements continue to be addressed to the deceased. XXXX has completed the assumption application, has a mortgage modification in her own name and is now the borrower. But the account remains in the name of the deceased mother and listed under the social security number of the deceased. Despite phone calls, emails, XXXX notices of error and a completed family transfer package by the XXXX OCWEN has not updated the account to reflect her name and social security number. 
A complete complaint will be mailed into the CFPB
Product: Credit reporting, credit repair services, or other personal consumer reports

Months ago, I sent the three credit bureaus a letter asking 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 mentioned in my previous COMPLAINT #, and I include it again. Kindly correct the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX 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 XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 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 XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/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 XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit card or prepaid card

Checked XXXX Credit Report on XX/XX/XXXX following discovery on XX/XX/XXXX that my identity had been stolen. ( Note that I submitted a police report following discovery of identity theft. ) When I reviewed my XXXX Credit Report, I found the following credit card on my report that someone else opened in my name : Account info Account name COMENITYCAPITALBANK/XXXX  XXXX Account number XXXX Account type Charge Card Responsibility Individual Date opened XX/XX/XXXX Status Open/Never late. 
Status updated XX/XX/XXXX Balance {$0.00} Balance updated XX/XX/XXXX Recent payment $ XXXX Monthly payment {$0.00} Credit limit {$1000.00} Highest balance {$140.00} Terms NA Contact info Phone number None provided Address XXXX XXXX XXXX XXXX, OH XXXX I submitted a dispute with XXXX, and all they did was to add the notes : Your statement I HAVE NO KNOWLEDGE OF THIS ACCOUNT. 

Reinvestigation info This item was updated from our processing of your dispute in XX/XX/XXXX.
Product: Vehicle loan or lease

My SUV was repossessed after being totaled in a car accident on XX/XX/2023. I was not @ fault I sued the other party & their insurance company XXXX XXXX and her employer XXXX. Her employer has taken responsibility and has been requesting information through their insurance XXXX XXXX XXXX. 

RE : Re : XXXX ( Claim # ) Toshia Rush Claims Associate XXXX XXXX XXXX XXXX XXXX Co. 
XXXX XXXX XXXX. 
XXXX XXXX, KS XXXX XXXX XXXX Wells Fargo Auto XXXX Account # XXXX Balance : Due {$10000.00}
Product: Checking or savings account

On XX/XX/XXXX I tried to log in to my online banking access was denied, then I call Citi bank to find out if their system is down they told me they have closed my account due to suspicious activity, they said my check from my employer with my name and everything has been returned I told them let me call my employer they told me no need to that their decision was final. I asked about my funds they told me I will be able to access them after investigation that may take up to 60 days. I have a checking and a saving with about XXXX XXXX or more. What am I going to do how am i going to pay my bills Ps : the check amount was XXXXXXXX XXXX CITI BANK IS UNFAIR TO CONSUMERS
Product: Credit reporting or other personal consumer reports

I am writing to formally file a complaint regarding inaccurate eviction records listed on my consumer report. The following civil judgment case numbers do not belong to me and must be removed immediately : XXXX XXXX XXXX These entries are the result of identity theft, as outlined in the attached Identity Theft Affidavit. Please investigate this matter promptly and take the necessary steps to correct my consumer report. 

Additionally, I request that you provide me with the results of your investigation and a corrected copy of my report once the inaccurate information has been removed.
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance und
er 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them.

"
Product: Credit reporting or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely rectified : XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Inquiries : XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX 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 XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX XX/XX/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  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  # XXXX XX/XX/XXXX XXXX  XX/XX/XXXX 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
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. Also neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. 
This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Debt collection

American Express is repeatedly calling me for a debt owed by someone else. Over past 4 or 5 yrs they call my number asking for someone by the name of XXXX XXXX XXXX XXXX ( spelling phonetically ) is the debtor I keep asking them to stop calling they repeatedly tell me they are removing my number and they say they will but I just received a call from them 2 days ago. I am tired of being harassed for a debt that is not mine, nor do I have any information about this person.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX who is submitting this CFPB complaint myself and to inform you that there is no third party involved in the process. Upon reviewing my updates, the incorrect information are still found on my Credit Reports which I believe it has been taken care of by Transunion Credit Bureau due to the written appeals I sent last XX/XX/XXXX. Thus, Transunion Credit Bureau has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of inaccurate information are not authorized. Here are the concerned inquiries : XXXX XXXX of inquiry XX/XX/XXXX XXXX XXXX-Date XXXX inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was informed of a " 60 days late '' message on my credit report by the bank i had applied with for a home loan. The message appeared at least 39 times. The wrong report was from XXXX XXXX department store. The bank ( XXXX XXXX ) said this was adversely affecting my credit. 
I had filed for bankruptcy in XXXX, it was discharged in XX/XX/XXXX. XXXX 's was included in this bankruptcy. However, despite the discharge they have continued to report me as late many times.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint serves as more evidence that TRANSUNION never conducted an investigation into any of my disputes, and continues to violate Section 623 ( b ) ( 1 ) of the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

New public record/ child support law took affect XX/XX/2017 since then I have been writing, faxing and calling in to get items that are reporting to my credit bureau file invalidly removed and XXXX  and Experian have refused to compile with states law. IL Dept of HC and  Family services is child support which is reporting invalid account status, dates, amounts and to my knowledge is not suppose to appear on files any more because account does not have any contractual agreement for services or products offered and XXXX XXXX XXXX is not my account I do not recall having any services or contract with this company. Other account that appear on Experian only that need to be removed in addition to the two mentioned above are XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX.
Product: Mortgage

I come to you with this formal complaint in that I am not aware of this debt all together I do not recall taking out a 2nd mortgage. Nor signing for any documents pertaining to a 2nd mortgage on my home. I am requesting that this debt be validated. I am asking for your help to validate this debt. The lender will not furnish any proof of this debt though they have it attached to my property.
Product: Credit reporting, credit repair services, or other personal consumer reports

I currently have a late payment reporting from XXXX on XXXX 19,2022 i called Home Depot about this issue which we was wavies on On XXXX 19,2022 however the late payment continues to appear on my credit report i tries to resolve this matter with Homedepot directly but the issue still appears.
Product: Credit reporting, credit repair services, or other personal consumer reports

Every American is allowed to rehabilitate their student loans one time. I do not understand why this is still being reported to my credit and counted late so many time I won't be able to obtain credit for years. I can not even apply for a store credit card, it is instantly declined. I paid them the money I owe them this should be removed.
Product: Credit reporting or other personal consumer reports

This account is fraudulent remove it immediately. Victim of identity Theft, see credit report statement. As of XX/XX/XXXX have not received any information about this collection reporting for XXXX on all 3 Credit bureau reports. 
This is a medical collections, this is being reported fraudulently. This is a HIPPA violation. My personal information was stolen I have no knowledge of this fraudulent debt. I disputed this account and it came back verified. How is this account being verified? 
Additionally, I am allowed under the HIPAA law ( Health Insurance Portability and Accountability Act of 1996 ), to protect my privacy and medical records from third parties. 
I have never done business With XXXX XXXX XXXX Nor gave this third party debt collector access to my medical records. This is violation of federal law. 
Demand documentation on how this fraudulent Debt is being validated. 
Validation of Debt and HIPPA Release Authorization. 
Please provide a breakdown of fees including any collection costs and medical charges Provide a copy of my signature with the provider of service to release my medical information to XXXX XXXX XXXX. 
XXXX XXXX XXXX collection has failed to provide any of above documentation had over 60 days to respond. Demand Credit bureau Remove this fraudulent collection before legal action is taken and HIPPA violation is filed.
Product: Credit card

On XX/XX/2024, Citibank received my Disputes and request for information. certified tracking number # XXXX and certified tracking number # XXXX it has been well over the timeline required by the FCRA to conduct a reasonable investigation pursuant to 15 USC 1681s2. yet they have failed to do so and the matter and these accounts are still in dispute. I have not received the required material disclosures pursuant to 15usc1601 ; about the finance charge, apr, optout notices and forms.
Product: Credit reporting or other personal consumer reports

This is my first requests to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX XXXX  XXXX Balance Owed : {$19000.00} XXXX XXXX XXXX  XXXX Balance Owed : {$150.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$19000.00} XXXX XXXX XXXX  XXXX, TX XXXX XXXX XXXX XXXX, TX XXXX