23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

since XXXX my accounts at Chase and every account I have with other agencies has been accessed without my consent over and over, sometimes at the ATM, but mostly my Slate card and sometimes my Freedom card. I report right away and Chase gives me temp funds. then, sometimes they reverse an And take funds away, leaving me overdrawn. Usually I still have my cards and most of them now have the chip, which is NOT fraud proof according to the internet. every claim i have made is true. i would have been better off to lie and say my cards were missing. now Chase has closed my credit cards. they are maxed out anyway and my credit score is down  more than XXXX points. 2 days ago Chase also closed my checking/savings accounts without warning. my credit is ruined and i can not pay my bills. I am paying off the credit cards for items that i did not purchase. I had a XXXX in XXXX and live on my XXXX XXXX. This series of events has caused me extreme hardship through no fault of my own. in addition to all of the bank fraud my apartment has had items stolen. i very much want to move away from here, but have no money to do that. it 's a nightmare.I filed a complaint here and the answer was that they are still looking into it. I will file with the Attorney General if I ca n't get all of my funds credited. chase should have protected me more instead of calling me a liar.
Product: Credit reporting or other personal consumer reports

Subject : Late payment Account # XXXX  XXXX ; Account # XXXX I am writing to formally dispute a late payment entry on my credit report, which I believe is incorrect. Upon reviewing my credit report, I noticed that [ XXXX  XXXX # XXXX ] reflects a late payment for the period of [ XX/XX/XXXX ], under account number [ Account Number XXXX ]. 

I respectfully request that you review and investigate this matter, as I believe this entry is inaccurate. 

Under 15 U.S. Code 1681e B- Compliance procedures ( b ) Accuracy of report 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 my records, the payment for the aforementioned period was made on [ XX/XX/XXXX ] via [ cash deposit ] and was processed without delay. If there was any delay, I kindly request further clarification or supporting evidence from the creditor regarding this claim. 

Please update my credit report accordingly by removing this inaccurate late payment entry, as it does not reflect the true status of my account. 

Thank you for your time and consideration. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/XXXX XXXX XXXX XXXX, ( XXXX ) and XXXX XXXX XXXX, ( XXXX ) company submit a complain to American Express Fraud Department in regards of Unauthorized Transaction by our EX employee. We provide them information in writing that We did not hand over the AMEX credit card to our EX employee. it was left in Office Safety Box and we still have that Credit Card in our possession. At first they issued total amount {$4500.00} after we received a letter confirmed refund those amount but on XX/XX/XXXX they took those amount back and denied out claim. we mention that He may have made Duplicate Card. Transaction are below : Credit Card ending XXXX ( XXXX ) Closing Date : XX/XX/XXXX Unauthorized Charges {$4500.00} AMEX ( XXXX ) Card Closing Date : XX/XX/XXXX Unauthorized Charges {$370.00} I have attached all documents that include all amount in detail and other submitted complain records.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX, and I am submitting this complaint myself and there is no third party involved. My request for the verification and deletion of unverified and erroneous information has been diligently neglected by Equifax. Despite sending them the last dispute letters dated, XX/XX/XXXX, for the said request, they stated items were verified. I was not provided a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA, all items that can not be verified must be deleted immediately.

They are still reporting inaccurate and unverifiedinformation on my report. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting inaccurate and unverified information. 

Below are the unverified accounts that remain on my report : XXXX XXXX XXXX XXXX US DEPTARTMENT OF EDU US DEPARTMENT OF EDU XXXX XXXX XXXX US DEPT. OF EDUCATIO Below are the unverified inquiries that remain on my report : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

After doing a deep dive into my credit report I noticed a significant amount of inaccurate information. There were multiple accounts that reported with different dates and amounts. I even noticed some accounts I didnt recognize. I tried disputing these negative items with all three credits bureaus directly, but Ive yet to get any progress toward getting these items removed from my credit report. According to the 15 U.S.C 1581 Law there should not be any negative damages to my credit report, this is setting me back time to start my business. Back in XXXX of XXXX I noticed some of these items were on my XXXX XXXX and Experian accounts so I disputed them online, if given the option to. However, every item was said to be verified by each company, some of which were collectors at that point. So I asked for the information used in the investigation to come that conclusion, in which that was never provided. On XX/XX/XXXX I contacted XXXX, Experian and XXXX by phone to update my information on file and I provided them with my most up to date address and phone number. After this I pulled my full credit report and asked each bureau to deleted each negative item still reporting on my credit report, in which they still have not done so or provided information used to determine their decision. Ive prepared a letter of each item, the date and reason it needs to be removed. Ive also attached screenshots of my credit report where the information is inaccurate. I hope this information is helpful to you in the process of helping me getting these items removed. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Back in  XXXX  of  2016    XXXX   XXXX   posted negative information on my credit history. I disputed with  XXXX  and the other  XXXX  credit reporting agency on  XXXX   XXXX ,   XXXX  , and the negative information was removed from my account on  XXXX   XXXX ,   XXXX  . Equifax gave me a confirmation #  XXXX  after deleting the negative information.   After  one  year the same negative information reappeared under different collection agen cy (   XXXX   XXXX   XXXX   ).   XXXX  did not send me any letter and did not help me remove the negative information. The amount in dispute is {$170.00}. All the credit agency also have many wrong addresses on my file. I was told I can not do it online but I have to call them. When I call the number provided, they phone keeps disconnecting and unable to reach a customer service rap. I never liv ed at 1  )  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  Colorado  XXXX  2 )  XXXX   XXXX   XXXX   XXXX   XXXX  CO  XXXX   3 )   XXXX   XXXX   XXXX   XXXX   XXXX  CO  XXXX
Product: Mortgage

Every month Planet Home Lending sends me a mortgage statement that has fees and charges on it of {$1800.00}. When I called Planet Home Lending to ask what those fees and charges represent, they could not tell me anything other than the fees and charges were transferred over to them from the previous servicer. In addition, I made an additional payment of {$1500.00} on XX/XX/2019 which was not applied to my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, There is a collection on my credit report, which is not mine. Someone used my information to rent a place and left the place without paying all dues. When i found out about the collection on my account, i paid it off immediately as it was impacting my ability to take a mortgage loan. Balance was low ( {$350.00} ) and i thought to pay it and work with the collection agency to remove it later.

Now that i have paid the account, collection agency won't talk to me or remove the account from my credit report. I have talked to them and also opened disputes will all three credit reporting agencies but in vain. Collection agency is not interested in talking to me as they have already received their money. If it was truly my account, i would not mind having it on my credit report, but this is not my account and i am not getting any help from the collection agency. I never received any communication from the collection agency either, except seeing a collection on my credit report. If i would have received any communication from the collection agency, i would have taken care of it at that time. 

Can you please help me remove this account from my credit report. 

PROCOLLECT , INC XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Account number XXXX Original balance {$350.00} Sincerely, XXXX XXXX
Product: Vehicle loan or lease

To Whom It May Concern : Thank you for taking the time to read this letter, and I hope your day is going well. Im writing because I noticed that my most recent credit report contains late payments reported on account. 

I want you to know that I understand my financial obligations, and if it werent for hardships, Id have an excellent repayment record. I made a mistake in falling behind, but since then, circumstances have changed, Ive had a spotless record of on-time payments. 

I applied for a home for my family, and its come to my attention that the missed payment on my record hurt my ability to qualify due to the low score. I truly believe that it doesnt reflect my creditworthiness and commitment to repaying my debts. It would help me immensely if you could give me a second chance and make a goodwill adjustment to remove all the late payments. 

Thank you for your consideration, and I hope youll approve my request.
Product: Debt collection

[ XXXX XXXX ] [ XXXX XXXX XXXX ] [ XXXX NY XXXX ] [ XXXX ] [ XXXX ] [ XXXX ] [ Experian legal department ] [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX California XXXX XXXX Subject : Formal Dispute & Demand for Permanent Deletion of Inaccurate Accounts Dear [ Credit Bureau Name ], I am writing to formally dispute the inaccurate and unverifiable accounts appearing on my credit report in violation of the Fair Credit Reporting Act ( FCRA ). Pursuant to 15 U.S.C. 1681i and 15 U.S.C. 1681s-2, I demand the immediate and permanent deletion of the following accounts from my credit file within five ( 5 ) days of receipt of this notice : [ List of disputed accounts, including creditor name, account number ( partial for security ), and any reference numbers ] Recent litigation, including lawsuits against XXXX and Experian, has highlighted systemic failures in proper credit reporting, reinforcing that consumers have the right to a fair and accurate credit file. Based on the FCRA, I am exercising my legal rights as follows : 1.Violation of 15 U.S.C. 1681e ( b ) Failure to Maintain Maximum Possible Accuracy : Your bureau is required to ensure the maximum possible accuracy of my credit report. Since these accounts contain inaccurate or unverifiable information, continued reporting constitutes a willful violation of my rights.

2.Violation of 15 U.S.C. 1681i ( a ) Failure to Conduct a Proper Reinvestigation : Upon my request, you must conduct a reasonable reinvestigation of disputed information. If the information can not be verified within the legally required timeframe, you must delete it. I demand an expedited review within five ( 5 ) days, given the recent legal precedents regarding inaccurate reporting.

3.Violation of 15 U.S.C. 1681s-2 ( b ) Duty of Data Furnishers to Correct or Delete Inaccurate Information : If the data furnishers fail to verify these accounts with documented proof, they must be deleted immediately. I request full disclosure of your communication with data furnishers as required under the FCRA.

If these accounts are not removed within five ( 5 ) days, I will have no choice but to escalate this matter by filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney Generals office. Additionally, I am prepared to pursue legal action for willful noncompliance, seeking statutory damages under 15 U.S.C. 1681n.

Please provide me with an updated credit report reflecting these deletions. I expect written confirmation of these removals and compliance with my request.

Thank you for your prompt attention to this urgent matter. Failure to act within the specified time frame will result in legal consequences. 

XXXX XXXX XXXX
Product: Payday loan, title loan, personal loan, or advance loan

One main financial ran my credit without my authorization. I did reach out to one main as follow up for a pre-approval offer however their Manger at the XXXX office told me I wouldn't be approved unless they did a credit check or I had collateral. When the Manger informed me of my credit history I knew my credit was pulled without my consent. I did not authorize one main financial to run my credit. One main continues to give my information to Predator lending companies after I requested to stop being contacted and I'm continuously being contacted by XXXXXXXX XXXX and XXXX Whom I never reached out to.
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 TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX  account [ XXXX XXXX  - XXXX, XXXX XXXX XXXX XXXXXXXX, XXXX XXXX - XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Product: Credit reporting or other personal consumer reports

Eastern Account System of Connecticut , Inc. XXXX  XXXX XXXXXXXX XXXX XXXX has listed an unauthorized account on my credit report without my consent. I never granted permission for them to report any information under my name or Social Security number to consumer reporting agencies. This is a clear violation and constitutes identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been leasing cars from Toyota Financial for the last ten years. I have never had any plate payments. Last XX/XX/2018, Toyota Financial inaccurately placed a 30 days late payment on my account when I had autopay, as well as I never received a notification, or a call that the payment was late! 
When I found out around 25 days later as I was checking online to get a payoff information as my lease was coming to an end, I called Toyota financial to ask why there is a late payment and why there is a late fee on my account, when I have auto pay and I never received notification from them regarding late payment as they are obligated to do so per my online registration agreement, he replied from me not to worry as the payment is not more then 30 days late, and credited back my account the late fee. I advised him that I will make a double payment to take care of the late payment, witch I paid online right away. 
I mailed a letter to Toyota Financial explaining what happened and that I don't have time to always check my online account as I am an XXXX XXXX, they refused to remove it witch is effecting my credit score by more then 50 points. Had they called my Phone number on file, or email me to inform me of a late payment as they are obligated to do so, this would have never happened. 

They also have inaccurate information on my online account. When I sign in, they have a different first name witch doesn't belong to me. I advised them on many occasions and still they never corrected the issue, even as of this date, when I sign in to my online account, it shows a different name. This could be related to why the autopay was stopped. 
Thank you for your time and assistance!
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXX  Balance : {$390.00} ; XXXX XXXX XXXX XXXX Balance : {$540.00}.
Product: Debt collection

this company responded by saying this complaint does not belong to them and this is a lie because XXXX responded before addressing this complaint. This matter needs to be resolved. This account is still on my credit report and needs to be removed if they are not the appropriate company. I'm going to consult an attorney if this not removed from my credit report. At this point it's violating my rights
Product: Prepaid card

I had {$420.00} taken off my prepaid Bluebird American Express that I did not authorize. The account has been closed and the fraud department said they could not determine fraud was committed on my account. They have no proof that I authorized these purchases because it was done online and I did not purchase the items in question.
Product: Credit card or prepaid card

I have had an XXXX store card through Synchrony bank for roughly 7 years. 

Starting recently, the number that they send verification codes to when I log in is _not_ a number associated with my account so I am unable to log into my account and verify recent purchases. 

Most recently, I called about the issue today, XX/XX/XXXX at XXXX PM Central time but i have called in the past about this as well. 

The customer service representatives : * Verify that the correct phone number is associated with my account * Tell me that they use phone numbers from credit bureaus, so I have to correct it with the credit bureaus * They can not tell me _which_ credit bureau is reporting the misinformation I have checked the major 3 bureaus ( XXXX, XXXX, and XXXX ) and none of them have incorrect data. At one point a customer service rep gave me a different bureau to check, but i can't remember that name either and it only had the correct information anyway. 

I am unable to resolve this issue. They will disable two-factor authentication on my account, but that only gets me in once and then it eventually gets turned back on
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I testedXX/XX/XXXX At the time I had already been out of work a week as I was not feeling good. My condition slow begin to worsen, which made talking difficult. I reach out to all my creditor to let them know I was suffering from covid and it was causing financial difficulty. Unfortunately XX/XX/XXXX email was not working on several occasion inside the portal. When I select having payment difficult it state to call which I could not. I had my husband make payments in XXXX as well as XXXX. Unfortunately in XXXX we were {$26.00} short on my payment. Which result in XX/XX/XXXX reporting XXXX as 30 days late. When I started to feel better and was able to call and talk to XX/XX/XXXX I notice they report me 30 days past due. Which 1 I was not and 2 directly valid sect 4021 of the cares act signed in to law on XX/XX/XXXX. Protecting the credit reports and individual effect by covid whose accounts were not in collections. I reached out to inform them that they were in effort and both my local office and their corporate office stated they would not change it. So now Im filing a complaint has this violation of the law is sufferly damaging my credit and has prevent me from purchasing furniture on credit for my children.
Product: Debt collection

On XX/XX/XXXX, They opened a collection of {$420.00} without giving me any information. Also, on XX/XX/XXXX, they opened a second collection of {$400.00} which I do not know. Those collections ate up my score years and years without letting me know till I have a XXXX  XXXX account. Please help me to remove those derogatory marks?
Product: Vehicle loan or lease

I obtained a XXXX XXXX XXXX in XXXX with One Main being the finance company. I voluntarily surrendered it on XX/XX/XXXX. I have had this car for 5 years and still owed a {$18000.00} balance on it. Since the year of XXXX and before I have tried refinancing it, rolling it over into a new car or newer vehicle- through One Main Financial because with the maintenance and monthly payment. I was not able to keep afloat. One Main consistently informed me that there were no other options for me ;. So in XX/XX/XXXX, I stopped asking them and I surrendered it on XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

Transunion, is reporting is reproting a Bankruptcy on my credit report and they have put in the Data furnisher as being the U.S. BANKRUPTCY COURT XXXX XXXX OF GEORGIA. Which is false. I have attached a letter from the U.S. BANKRUPTCY COURT XXXX XXXX OF GEORGIA. Verifying and stating that they do not furnish information over to the credit bureaus or any credit monitoring service nor do they verify or validate any information concerning bankruptcies. 

Transunion is falsely stating this information on my credit report and have yet to remove it from my credit report. I contacted the court, and their response is enclosed. It is clear they do not report to any Credit Bureau for that matter ; therefore, their initial response verifying the item with the court was either an error or a lie. Either way, the reporting requirements do not comply with FCRA 611 ( 15 U.S.C. 1681I ), and the information must be deleted immediate I contacted the court, and their response is enclosed. I would like for you to have them take this unvalidateable information off of my credit report.

The credit bureaus violated my given rghts under 15 U.S. Code 1681. According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 1681s2. Responsibilities of furnishers of information to consumer reporting agencies A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or consciously avoids knowing that the information is inaccurate. Displaying information must be deleted immediately.
Product: Checking or savings account

I've been a member of Bank of America since 2010, I'd appreciate if CFBP look into my account to see if BOA double dipped on insufficient fees.