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

This CFPB complaint has been filed to request under pursuant to FCRA 605B ( 15 USC 1681 c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my credit report that is the results of Identity theft, data Breach and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of these following accounts XXXX : Account number : XXXX, XXXX : Account number : XXXX, XXXX : Account number : XXXX, XXXX : Account number : XXXX, XXXX : Account number XXXX XXXX, XXXX XXXX  : Account number : XXXX, XXXX XXXX  : Account number : XXXX, XXXX XXXX  : Account number : XXXX, XXXX : Account number : XXXX, XXXX XXXX XXXX Account number : XXXX, XXXX  : Account number : XXXX, XXXX  : Account number : XXXX, XXXX XXXX XXXX : Account number : XXXX, XXXX : Account number : XXXX, These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I DO NOT RECOGNIZE THE AFOREMENTIONED ACCOUNTS, COLLECTIONS AND HARD INQUIRY APPEARINTG IN MY CREDIT REPORT MAINTAONED BY YOU WERE NOT OPENED, MADE OR INITIATED BY ME. ALL OF THE MENTIONED ACCOUNTS ARE THE RESULT OF IDENTITY THEFT, DATA BREACH AND FRAUD. ATTACHED TO THIS IS A ACOPY OF FTC IDENTITY THEFT REPORT AS PROOF FROM US FEDERAL TRADE COMMISSION.
Product: Credit card

In XX/XX/2023, I contacted Elan Financial Services and asked for credit increase via phone. Later that month, I received a denial letter dated XXXX. On XXXX at XXXX my XXXX point of contact person was XXXX XXXX Billing Dept., I requested an increase. Increase was denied again Thereafter, I spoke with the underwriter, XXXX, for increase in unlimited credit. Increase was denied again. It is now XX/XX/XXXX and the correspondence letter for all fact findings involved in denial of increase, from the company has not been granted.
Product: Credit card

I have a chase credit card account that has low rates due to balance transfers that are fixed until it is paid. Several different transfers were made at different rates. The balance of the portion of my account with an interest rate at 4.99 % was {$2400.00} as of my statement date XX/XX/XXXX. The balance on that portion of my account has grown to {$3100.00} as of XX/XX/XXXX. I have made extra payments and can not tell where any of those payments have been applied to this balance portion of the account. This has been the highest rate portion of the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the 3 Credit Bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. 
XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1200.00} ; XXXX XXXX XXXX, XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$310.00} ; XXXX XXXX Balance : {$0.00} ; US DEPT ED XXXX Balance : {$2100.00} ; US DEPT ED XXXX Balance XXXX {$4200.00} ; US DEPT ED XXXX Balance : {$4400.00} ; US DEPT ED XXXX Balance : {$9300.00} ; US DEPT ED XXXX Balance : {$2100.00} XXXX US DEPT ED XXXX Balance : {$3700.00} ; US DEPT ED XXXX Balance : {$4100.00} ; US DEPT ED XXXX Balance : {$10000.00} ; US DEPT ED XXXX Balance : {$5000.00} ; US DEPT ED XXXX Balance : {$7500.00} ; XXXX XXXX XXXX  XXXX XXXX XXXX, SC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX ; XXXX XXXX  XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX  XX/XX/XXXX ; If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If the credit bureaus do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Debt collection

I am submitting this complaint because I am being extremely affected by SOUTHWEST CREDIT SYSTEMS , L.P . They are being completely unfair and I dont know how to get ahold on them but through this portal. 

I want to express that I have suffered a big impact in my credit score and I have lived one of the worst periods of my life with all this situation. 

I want to give SOUTHWEST CREDIT SYSTEMS , L.P . The chance to solve this matter before any legal action is taken. 

Account information : Below is the account involved : SOUTHWEST CREDIT SYSTEMS Account Number : XXXX Open dated : XXXX. 
Account Type : Collection. 
Balance : {$50.00}. 

Demand and remedy : Deletion of account from all bureaus.
Product: Debt collection

This company will call me repeatedly several times throughout the week. In addition, when they speak to me and after they verify my information they inform me that I have a debt with their office that my XXXX  sent over to them and I am responsible for it and I need to pay it. I I constantly informed them that there was a pending issue before the collection would be paid And the doctor office in question should have reached out to me so we could have settled the account. The agent and informs me that I am a bad person for not paying my bills and that I should be ashamed of myself for not one to pay the office what i allegedly owe them. The agent then went on and on and said Their legal counsel would sue me to collect is that if I didnt pay right then. I informed the agent that is not a good way to conduct business and they basically told me when they would sue me, they would take my wages from me even though I am disputing this bill with the office. I never gave permission for this third party to see my personal health information or the services/care that may have been provided to me. I was not told my information nor have a signature to validate that request.
Product: Credit card or prepaid card

I have a credit card with JP Morgan Chase ( Southwest Rewards Card ). The card is connected to my XXXX account that I use to make payments, for example, to my XXXX XXXX XXXXXXXX XXXX for pizza parties, teacher gifts and similar. 

On XX/XX/2021 I made a {$10.00} contribution to the XXXX XXXX via XXXX to contribute to the cost of treats for the XXXX party. When I checked my chase credit card statement, in addition to the {$10.00} payment and the normal 3 % fee for using a credit card, I had been charged an additional {$10.00} " XXXX XXXX '' and {$0.00} " cash advance interest '' by Chase. 

I called Chase and they informed me that XXXX payments were now treated as " cash advances '' on my credit card. They confirmed this was true, although no cash was actually ever advanced. This is not the type of transaction that I would expect to be subject to a steep cash advance fee and cash advance interest. I expressed my concern and surprise that this had not been disclosed in advance so that I could have made an informed decision as to how to transfer the funds. Chase advised that it was XXXX that caused the transaction to be treated as a cash advance, and that Chase did not have any obligation to disclose that a {$10.00} XXXX payment would be subject to Chase 's ( not XXXX 's ) additional {$10.00} cash advance fee plus interest at 28 %. I feel like I agreed to the 3 % fee for using a credit card to make a XXXX payment. That fee was disclosed and I understood it. I did not, however, at any point have a reasonable warning, disclosure or opportunity to consider the additional {$10.00} cash advance fee with interest. This seems like an incredibly deceptive and abusive practice employed by Chase to charge XXXX separate fees ( 3 % for using a credit card, {$10.00} cash advance fee and {$0.00} interest at an APR of 28 % ) in connection with a single transaction where I intended to send {$10.00} to a XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am in the process of buying a home and discovered that there were two bankruptcies on my name when I have legally never filed for bankruptcy nor do I owe any judgements for bankruptcy. I would like this removed off my credit report immediately due to being inaccurate and the company nor credit bureaus being able to provide me proof ( signed documents with my name on it saying or acknowledging the bankruptcies ) that these are mine. 

XXXX XXXX -Dismissed XXXX XXXX I also would like to know the method of verification used to verify these are my accounts due to the fact that FCRA LAW states that if the accounts can not be verified, they must be removed immediately according to FCRA Section 609 & 611. If your company fails to comply, you will be required to appear in a court venue. Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in small claims action against your company.
Product: Checking or savings account

On XX/XX/2021 unauthorized charges in the amounts of {$190.00} and {$20.00} were debited from my account, previous card number ending in XXXX was reported lost/stolen on XX/XX/2021. A new card ending in XXXX was received and activated on XXXX XXXX. The merchant of unauthorized charge was not authorized to debit funds from new card ending in XXXX nor checking account. Merchant was never given card nor account number.
Product: Credit reporting or other personal consumer reports

I was a victim of identity theft. I filed a police report and also filed an identity theft report with the FTC through their website. Experian keeps sending me a generic letter without actually checking my information. This has happened for several years with no recourse to them so they continue to do the same thing. There are several accounts that are a product of identity theft. They have continuously ignored my police report and FTC affidavit regarding this matter. Nothing has ever been researched or contacted the company. I would like this account ending in XXXX removed from my credit report as it has hindered me in getting a home loan for several years
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX. 
XXXX, VA, XXXX XX/XX/2023 Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Re : Dispute of Inaccurate and Incomplete Accounts on My Credit Report Dear Equifax Dispute Department, I am writing to formally dispute the accuracy and completeness of certain accounts that are currently being reported on my Equifax credit report. The accounts in question, along with their respective account numbers, are as follows : XXXX ACCOUNT # XXXX ( In Collection Status ) XXXX XXXX XXXX ACCOUNT # XXXX ( In Collection Status ) XXXX XXXX ACCOUNT # XXXX ( In Collection Status ) XXXX XXXX ACCOUNT # XXXX ( In Collection Status ) XXXX  XXXX XXXX ACCOUNT # XXXX ( In XXXX XXXX XXXX I believe that the information being reported on these accounts is in violation of the Fair Credit Reporting Act ( FCRA ) due to its incompleteness and inaccuracy. Specifically, the discrepancies I am disputing include incorrect balance amounts, payment history inaccuracies, and a lack of proper validation of the debts. 
Under the FCRA, it is essential that the information on my credit report is both accurate and complete. The inaccuracies and omissions regarding these accounts are detrimental to my creditworthiness and financial standing. As such, I am formally requesting that Equifax investigate and rectify these issues by removing the disputed accounts from my credit report immediately. 
I am prepared to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ) and the Attorney General 's office if these inaccuracies and omissions are not promptly addressed. Please consider this letter as a formal dispute under the FCRA and initiate an investigation into the disputed accounts immediately. In addition, I request that you provide me with written confirmation of the actions taken within the timeframe required by law.

You may contact me at XXXX or via email at XXXX to discuss this matter further. All correspondence related to this dispute should be sent to the address provided above.I look forward to a swift resolution of this matter and the removal of the inaccuracies from my Equifax credit report! 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXXXXXX Account number : XXXX, XXXX XXXX XXXXXXXX Account number : XXXX, XXXX XXXX XXXX Account number : XXXX, 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

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. 

Account name : XXXXXXXX XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX : Account XXXX, Account name : XXXX XXXX : Account : XXXX, Account name : XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) section States, Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 USC 6802, I did not receive the required opt-out notice at the time I created the account that is being reported
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX NC XXXX For XXXX/XXXX/ Experian & Attorney General/Consumer FinanceXXXX. 
RE : Request to Block Unauthorized Collection Accounts and Inquiries from Credit Report under FCRA 605B I am a victim of identity theft. There have been accounts and services established using my personal Identification without my authorization. The information listed below, which appears on my credit report, is the result of identity theft on the affected accounts are listed below. I am a senior, XXXX years old.

You have stated to me that I am not the person submitting this information. You are wrong. I am able to read, write and speak ENGLISH better than you. I suggest you do your job and fix my report and remove these invalid entries. 
This information is inaccurate and you have never sent any information to me indicating that the data Furnisher verified it as valid. I am stating to you that it is NOT. And you MUST REMOVE IT IMMEDIATELY! 
You must provide documentation as of its accuracy or remove it immediately without prejudice. 
XXXX XXXX ACCT : XXXX AMT : {$59.00} XXXX XXXX XXXX ACCT : XXXX XXXX : {$620.00} XXXX XXXX XXXX ACCT : XXXX AMT : {$75.00} XXXX XXXXXXXX XXXX XXXXXXXX ACCT : XXXX AMT : {$59.00} XXXX XXXX XXXX ACCT : XXXX AMT : {$2300.00} You have also listed several addressed for which I am not associated. Your company apparently is practicing in reporting inaccurate information and listing addresses on consumers reports that they have never lived. The only address in XXXX that I have ever lived at is XXXX XXXX XXXX. 

The below addresses need to be removed from my reports immediately! 
XXXX XXXX XXXX. XXXX XXXX. XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX NC XXXX XXXX XXXX XXXX XXXX. XXXX XXXX. XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. XXXX NC XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX NC XXXX I have enclosed my FTC Identity Theft Report showing the fraudulent items. 
I have continuously been in contact with XXXX, Ex, and XXXX via the CFPB. Investigations have been continuously, with previous verdicts not in my favor from XXXX, XXXX  and Experian, However, XXXX ( which is the Bureau that previously leaked millions on Consumers information and was the sole target of one of the largest data breaches in history ), has not complied and WILL NOT comply with this request. XXXX   and Experian all seem to gloss over my request with pleasure.

This is again a demand to remove and block such information from the report in question.

Please block this information from my credit report, as directed by section 605B of the Fair Credit Reporting Act, and notify all  furnishers of this information. 


I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, XXXX XXXX XXXX XX/XX/2020 XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Let this be known to all, I, am that I am, the consumer in fact, natural person, original creditor, lender, executor, XXXX, holder in due course for any and all derivatives thereof for the surname/given name XXXX, XXXX XXXX, and I have been appointed and accept being the executor both public and private for all matters proceeding, and I hereby claim that I will d/b/a XXXX XXXX XXXXXXXX and autograph as the agent, attorney in fact, so be it ; Whereas, I of age, of majority, give this herein notice to all, I make solemn oath to the one and only most high of creation only, whoever that may be, and I depose the following facts, so be it, and Fact, the Truth in Lending Act protects the natural person against inaccurate and unfair credit billing and credit card practices. 
Fact, the Truth In Lending Act Congress finds that economic stabilization would be enhanced and the competition among the various financial institutions and other firms engaged in the extension of consumer credit would be strengthened by the informed use of credit. The informed use of credit results from an awareness of the cost thereof by consumers. It is the purpose, to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit, and to protect the consumer against inaccurate and unfair credit billing and credit card practices. 
Notice, it is a fact, affiant is aware, 15 U.S.Code 1637 ( b ) ( 2 ) ( A ) refers to a request to resolve a billing error, by providing all documentary evidence for clarification of who funded the account. Until that request is done XXXX XXXX XXXX XXXX can not report late payments in accordance with regulations of the Bureau,12 CFR 1026.13 ( d ) ( 3 ). If XXXX XXXX XXXX XXXX reports late payments without meeting the requirements under 15 U.S.Code 1637 ( b ) this is a violation of 15 U.S.Code 1666b and all late payments reported associated with the account numbers XXXX Thank you, I swear to all information provided herein, I do so under the penalty of perjury that the information I affirm to be true, correct, accurate to my ability and knowledge, so be it ; I do not accept this offer to contract. 
I do not consent to these proceedings. 
I do not require subrogation of the bond to settle the charge
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 6th Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX, MI XXXX, XXXX XXXX XXXX XXXX, MI XXXX, XXXX XXXX XXXX XXXX, MI XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX MI, XXXX XXXX  XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX XXXX Balance : {$510.00}, XXXX XXXXXXXX Balance : {$1200.00}, XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$3100.00}, XXXX XXXX Balance : {$480.00}, XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$500.00}, XXXX XXXX ( XXXX XXXX : XXXX ) XXXX Balance : {$720.00}, ( Original Creditor : XXXX  XXXX XXXX Balance : {$1000.00}, XXXX XX/XX/2021, XXXX XX/XX/2021, XXXX XX/XX/2021, XXXX XX/XX/2021
Product: Credit reporting or other personal consumer reports

I submitted this complaint to update this suspicious information. 3 Credit Bureaus must validate these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX XXXX Balance : {$210.00} XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX  Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This collection company is reporting erroneous debt to  XXXX  in my name. The debt collector has a debt on my report for  XXXX   XXXX . I have never lived at  XXXX   XXXX  in my life. This debt is not valid and after several attempts to rectify this with the credit agency they have ignored my requests. The creditor has yet to show a signed lease agreement between myself and the apartment agency. They instead continue to submit a fabricated bill with my name on it to  XXXX .  XXXX  has failed to research the debt in its entirety. They only ask the creditor if the debt is valid and never ask for proof.
Product: Mortgage

This complaint is a continuation for the complaint # XXXX filed on XX/XX/2019 and the complaint # XXXX filed on XX/XX/2019. 
BofA called me right after I submitted the last complaint, on XX/XX/2019 someone from BofA called asking questions about XXXX XXXX my housing counselor. They provided a number to contact them XXXX ext XXXX until today no one has answered my calls or the housing counselor 's calls. We sent the pending information for the so called " modification '' they wanted me to apply and no one has responded either. Every time I try to call to the loss mitigation number it redirected me to another department and I can't speak with a representative. 

This is the third complaint I am filing regarding my problem with Bank of America. They extended the sale date to XX/XX/2019 just to keep ignoring me and not work on my application. I was told that I needed to apply for a modification in order to be eligible for a short sale and that's what I did. Until today BofA has not worked my file, doesn't return phone calls and doesn't want to deal with my housing counselor. 

I don't know what else to do, I have contacted your company because I was told that you were an institution created to protect the consumer but I don't see that BofA is really concern about the way its handling my file, instead they rejected the previous complaint and continue ignoring me.