23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

This is a follow up complaint to CFPB complaint ID XXXX. XXXX continues to report this debt on my credit report despite my repeatedly disputing the debt and explaining why this is not owed. I ask politely for this to be corrected immediately.
Product: Credit reporting or other personal consumer reports

I have sent XXXX XXXX XXXX three lawful debt request affidavits which they have ignored.The dates are XXXX information that was requested was 1.Validation of debt ( the actual accounting ) 2. Verification of the claim against me ( signed invoice ) 3.Copy of the contract binding both parties ( XXXX XXXX XXXXXXXX & XXXX XXXX XXXX XXXX XXXXXXXX is continuing report inaccurate information without been verified causing financial stress.Criminal acts of XXXX XXXX  XXXX XXXX XXXX XXXX breached all its fiduciary duties and is therefore GUILTY of criminal breach of trust by failing in it's good faith requirement XXXX XXXX XXXX and others who profited from the XXXXXXXX XXXX transaction are all guilty of unjust enrichment and fraud for deceiving the buyer ( me ) and for acting in concert In this joint endeavor to deceive the buyer ( me ) The four essential conditions of a lawful binding contract 1.Full disclosure ( I was not told I was creating the credit with my wet Ink signature ) 2.Equal consideration ( XXXX XXXX XXXX ) brought nothing of value to the table and had nothing to lose ) 3.Lawful terms and conditions ( yours were based on fraud ) 4.The wet Ink signature of both parties ( corporations cant sign because they have no right or mind to contract since they are soulless legal fictions and furthermore no XXXX party can sign a contract on their behalf.More then XXXX XXXX XXXX  days has been giving for XXXX XXXX to rebut the affidavit and send documents neither has happen.
Product: Money transfer, virtual currency, or money service

by thursday i was to transfer XXXX usd and it says status change to checking transfer, then it says it will took a bit more to send the funds and when i entered the friday to the account my account says deactivated without any reason no emails or nothing they just closed the account without any reason cuz all the money i received there is legit and legitimate from my XXXX bussines account
Product: Vehicle loan or lease

Bank of America did not respond to my concerns at all. Repeatedly it is lying and cheating. One time it says can not verify identity. Then, it says we are working on it. Later it comes back and says the complaint is duplicate and closes it. Without answering my concerns, Bank of America is repeatedly closing the complaint. Why is Bank of America playing this drama? 

Why did the Police repeatedly come to my home and inquire about the Bank of Americas XXXX? To this day, Bank of America did not respond to my concerns. Please do not drag this case. Please address my concerns attached or point to where you have addressed all my concerns. XXXX family needs impartial justice.
Product: Credit reporting or other personal consumer reports

My wife name is listed not mine they put tradelines under both our names for 1 account that has been closed since 2020 I have disputed at euifax, and XXXX  neither will fix it
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute two charge-off accounts listed on my credit report with XXXX XXXX XXXX Below are the details of the accounts in question : XXXX XXXX I have reviewed my credit report and noticed that these accounts are listed as charge-offs. I believe that these entries are inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

This Credit Reporting Agency are showing a XXXX XXXX XXXX XXXX XXXXXXXX bankruptcy on my credit report they have stated that the data Furniture of information is a U.S. Bankruptcy Court in the XXXX XXXX of Texas. I have reached out to the bankruptcy court, and they have sent me a letter which I have attached, clearly stating that they do not provide any information to any third-party collection agencies or any credit monitoring services. They also stated they do not validate bankruptcies with other outside companies. I have challenged this information repeatedly with all the credit bureaus, and they have refused to remove the information from my report. These companies are falsely reporting this information and must remove this, according to the fair credit reporting act. this information has been damaging to my credit reputation in has cost me several opportunities for employment with very reputable. The display of this information also caused me to lose out on several real estate deals that I could not get funding for due to the nature of the items on my credit report.
Product: Mortgage

I dont want to give them access to my checking or savings account.I want to make payments using a debit card.They tell me that they are not able to take payments using a debit card.
Product: Credit reporting or other personal consumer reports

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 

Delete the following late payments from my consumer reports ; Accounts : XXXX XXXX  Account Number XXXX XXXX XXXXXXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXXXXXX XXXX Account XXXX XXXX XXXX XXXX Account Number XXXX It makes no sense to have laws if we are not going to follow them. The law states in black and white that late payments are not suppose to be on my consumer credit report but these companies such as Experian loves posting late payments on my credit report because lets be honest, these credit bureaus don't make any money on people with good or great credit. They make money on people with bad credit. Im not the one, this stops today. Late payments according to the law is not allowed on a consumers credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are several negative items on my report that I strongly believe are not accurate. I therefore submitted a dispute requesting an investigation and a response into these issues. That dispute was sent out on XX/XX/2020 and I never received any reply. I then sent a follow-up dispute on XX/XX/2020. It is now XX/XX/2020 and I still have absolutely nothing. No investigation was undertaken, no verification was made, and no response was sent. I have a legal right to all these things and the bureaus have a legal responsibility to respond to my disputes. I know that data was released showing a 550 % increase in complaints to the CFPB about this very issue compared to this time last year. XXXX, XXXX and Equifax must be held accountable and to the standards clearly outlined in the FCRA.
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 : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 : no consumer reporting agency may make any consumer report containing any of the following items of information 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.
Product: Checking or savings account

Bank of America is reporting an account under my name and social security number that I never opened. This account was opened due to identity theft. I provided a police report during my dispute to them. I was never associated with Bank of America or any personal or business account being reported.
Product: Debt collection

I was informed by letter dated XX/XX/2020 from XXXX XXXX XXXX XXXX that XXXX  Mastercard Account Number Ending in XXXX was sold to DNF Associates. This account is a fraudulent account due to identity theft. On XX/XX/2020, I filed a Small Claims Case against XXXX XXXX XXXX XXXX in XXXX County, Texas. Case No. XXXX is supported by Police Report # XXXX, Officer XXXX, XXXX Police Department ( XXXX ) XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is ran as a charge off on my report. There was not a 1099c cancellation of debt form received which makes the account inaccurate with reporting and needs to be deleted.
Product: Credit card or prepaid card

I applied for a United XXXX XXXX plus Visa card by Chase. I advise the representative of my current mileage plus number with United airlines : XXXX. Chase approved my credit card application and mailed me a credit card bearing a new mileage plus number XXXX have contacted Chase on eight occasions advising them to remove the new mileage plus number XXXX and add XXXX to my credit card account and to send me a new credit card with the correct mileage plus number XXXX. Instead of addressing my concern on XX/XX/2022 Chase wrote me a letter advising me that there are now two mileage plus numbers with my name that is information I provided to them and asked them to remedy the matter but instead of them, providing a remedy, they sent me a letter, telling me exactly what I called and told them, my complaints are falling on deaf ears when I reach out to Chase credit card customer service centers, and I want them to take accountability for accessing my account and addressing my specific concern.
Product: Credit reporting, credit repair services, or other personal consumer reports

I attempted to apply for credit with XXXX on XX/XX/2018 - I was declined by the company via an emailed adverse action letter/notice and the reason given was NO CREDIT REPORT FOUND - I was instructed to contact Experian since their soft pull return such - I contacted Experian numerous times on XX/XX/2018 and kept getting wrapped up in the automated phone system - after reaching a representative at XXXX the woman instructed me there was an extended fraud alert on my credit file and she would have to generate some security questions in order to remove the alert - upon waiting on the woman to come back to the call after being placed on an extended hold time - she asked me one security question and then the cal disconnected - I was on the phone for 23 minutes - I called back and reach another representative named XXXX that informed me he couldnt generate the security questions so I asked for him supervisor whom I was told was XXXX XXXX the supervisor instructed me he couldnt pull the security questions either and now I had to submit some documents to resolve the issue which would now be time consuming - there should be no reason that one agent is able to pull-up security questions and another can not forcing the consumer to go through more inconvenient steps - it should be further noted I asked for the extended fraud alert to be removed almost over a year ago from todays date when I had a similar issue regarding potential creditors not having access to my credit report because of the alert status. Experian continues to inconvenience me where Im having to make multiple calls into the same company to still have the same issue and have no resolve. Now speaking to XXXX on XXXX XXXX and still not attempting to help me. XXXX then transferred me into a voicemail box for a supervisor named XXXX then call was dropped. 

Each time called today was : XXXX - 4 minute call XXXX - 23 minute call XXXX - 56 minute call
Product: Credit reporting, credit repair services, or other personal consumer reports

Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

I demand the following account be verified or removed immediately. 

XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Thank you for your prompt assistance in this matter.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against Capital One for their repeated violations of the Fair Credit Reporting Act ( FCRA ), specifically regarding the unauthorized furnishing of my transaction history to third parties ( XXXX XXXX And XXXX ) without my explicit consent. 

The FCRA, as codified in Title 15 of the United States Code ( U.S.C. ), Section 1681 et seq., clearly outlines the responsibilities of consumer reporting agencies, including credit card companies, in ensuring the accuracy and privacy of consumers ' credit information. Moreover, the Privacy Act of 1974 reinforces the protection of individuals ' privacy rights by imposing restrictions on the collection, use, and dissemination of personal information by federal agencies. Section 1681b of the FCRA explicitly mandates that consumer reporting agencies may only furnish consumer reports to third parties with the consumer 's consent or as otherwise permitted by law. 

Despite the clear provisions of the FCRA, Capital One has repeatedly furnished detailed information about my transaction history to third parties without obtaining my explicit consent, thereby violating my rights under federal law. This unauthorized sharing of my financial data not only compromises my privacy but also exposes me to potential risks of identity theft, fraud, and other forms of financial harm. 

Furthermore, Section 1681s-2 of the FCRA imposes additional obligations on furnishers of information, such as Capital One, to ensure the accuracy and integrity of the information they provide to consumer reporting agencies. By negligently disclosing inaccurate or unauthorized transaction history, Capital One has failed to fulfill their obligations under this section of the FCRA.

In light of these violations, I kindly request that the Consumer Financial Protection Bureau ( CFPB ) take immediate action to investigate Capital one 's practices and compel them to cease the unauthorized furnishing of my transaction history to third parties. Additionally, I urge the CFPB to impose appropriate penalties on Capital One for their non-compliance with the FCRA and to provide me with remedies for the harm caused by their actions.
Product: Credit reporting, credit repair services, or other personal consumer reports

In my previous complaint I asked them to remove certain things off of my credit report because they were very much in violation of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) .They Are reporting personal non-public information with third party entities such as XXXX XXXX XXXX and TransunionI just want them removed from all 3 of my credit reports.If this does not happen I will file a lawsuit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im resubmitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent account in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any account listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 
Here is the list of account that does not belong to me or was opened without my permission. 
XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX ) XXXX Balance : {$610.00} According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Debt collection

On Monday XX/XX/2018 i received a phone call from my Aunt at XXXX XXXX  stating that XXXX XXXX  had contacted her about an account that i hold her name is not on my account nor is she Associated with this account. They released information to her about my account. So I contacted XXXX XXXX myself an Spoke to a XXXX XXXXXXXX concerning my account i asked her why she had contacted someone about my account that was not attached to my account she then informed me that under the law she can contact anyone she can to get payment on my account.
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. 

List of Unauthorized Inquiries : XXXX - XXXX XXXX  - XXXX XXXX  - XXXX 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 : no consumer reporting agency may make any consumer report containing any of the following items of information 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.
Product: Mortgage

Discrimination on a population, race, or gender. I am a XXXX woman owned business working to create affordable housing and revitalize my community through community development in Arkansas. I was wrongfully denied a mortgage loan for an investment property after being told verbally that they didn't see any problems with the loan. I have collateral, good credit, relationship with the bank for 35 years and they see my monthly cash flow. There is no reason I should have been denied. I feel that the bank mislead me to think that I would be financed. This was wrong and I want justice because this isn't the first time that I have been wrongfully denied a loan at this bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 9th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific accounts in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following accounts immediately. 

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

This account has been opened fraudulently. I had no knowledge of this account. I didnt open this account.
Product: Mortgage

Re : Acct # XXXX On XX/XX/XXXX I spoke with XXXX XXXX at ShellPoint Mortage and reached agreement to make 3 months payment and then Shellpoint would bring my mortgage current making my next payment due on XX/XX/XXXX. 

I made this down payment in XXXX via several checks totaling {$2000.00} as noted below ( see copies enclosed ) : CHECK DATE CHECK AMOUNT CHECK NUMBER XX/XX/XXXX {$510.00} XXXX XX/XX/XXXX {$510.00} XXXX XX/XX/XXXX {$510.00} XXXX XX/XX/XXXX {$510.00} XXXX I then received a letter dated XX/XX/XXXX ( see attached ) regarding a repayment plan for account # XXXX. This letter states that a down payment of {$2000.00} was due on XX/XX/XXXX. Since I made the payments as listed above I expected that this was the down payment. I wrote to ShellPoint on XX/XX/XXXX ( see attached ) asking that they confirm that the down payment has been satisfied and I can commence with the next payment on XX/XX/XXXX. But, to date I have not been able to get a straight answer or response from ShellPoint. 

So, I am submitting this request in hopes that they will respond and confirm receipt of the down payment and confirm that this payment agreement is in effect and that my next payment is due on XX/XX/XXXX. 

Additionally, I do have concerns with the monthly amounts as stated in my letter, especially escrow for insurance payments when I am not aware of ShellPoint making any insurance payments on my behalf.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has failed to provide a complete and accurate record of the " XXXX '' account listed on my credit report. They initially deleted the account in error, then re-reported an inaccurate account and refuse to provide a COMPLETE and ACCURATE record on my credit report. 

The account was never disputed as " not mine '' or " opened fraudulently ''. The account was compromised ( credit card lost/stolen ) when it had a XXXX balance for months. The last set of charges were not authorized or made by me. 

Instead of Experian personnel actually READING the dispute, they inadvertently deleted the entire account due to " identity theft '' through their automated system. Then a year later plus, re-reported an incomplete and inaccurate credit account. 

The credit bureau has a duty and responsibility to provide COMPLETE and ACCURATE information. Further, they are REQUIRED to provide complete PHYSICAL documentation of the records that they are reporting on consumer credit reports.

My request is that Experian provide, in writing, via USPS, a complete and accurate file of the information that they are reporting for the " XXXX '' account. Experian stated in writing ( attached ), in writing that they refuse to conduct an investigation and/or conduct a dispute investigation. HOWEVER, that has never been the request. The request has always been and still remains, that EXPERIAN provide a COMPLETE AND ACCURATE RECORD OF THE ACCOUNT FROM TARGET, IN WRITING, AND SEND IT VIA USPS.
Product: Mortgage

I applied over the phone for a mortgage with Bank of America on XXXX/XXXX/2015. I gave them permission to pull out my credit for that day. While I was checking my credit file, I discovered they made another hard inquiry again on XXXX/XXXX/2015 without my permission. I emailed the loan officer and I never get any response. I contacted the credit bureau, they said they can not remove it. They advice me to file an identity theft complaint with you and mail to result to them to remove that inquiry from my file.
Product: Credit reporting or other personal consumer reports

Only my XXXX was able to remove the account my XXXX and Experian have not saying they have conducted the investigation when they haven't because it should be removed off my report. Us Department of edu should not be on my credit report.
Product: Checking or savings account

XX/XX/year> a fraudulent transaction was made on my debit card for {$1100.00} to XXXX XXXX Auctioneers. I noticed this transaction thru rocket money the following day when they sent me an email. I immediately called Wells Fargo to report this fraudulent transaction. They informed me that their system had flagged it already as fraud. I asked that a reverse transaction be made to put my money back in my account. As of today Wells Fargo has yet to honor thier fraud policy on unauthorized transactions. And XXXX XXXX has yet to return the money from the fraudulent transaction.
Product: Checking or savings account

Wells Fargo customer since 2011. 
Charged OD fees, checking fees and other misc fees.