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

It appears that my credit file has been compromised. Again, I was going through my records & noticed many accounts which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any accounts which are found to be opened due to identity theft. The dispute accounts do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

I believe that this account was associated with a different person with the same name and address as mine and merged the file. Under FCRA, you are required to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct. 
DOVENMUEHLE MORTGAGE XXXX. It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law
Product: Credit reporting, credit repair services, or other personal consumer reports

Portfolio Recovery is reporting to XXXX and XXXX  incorrect and inaccurate information about my original account. They have not fixed it despite my disputes. Portfolio is sending a letter to agencies from the debt they bought from XXXX. It became delinquent with the original creditor XXXX XXXX XXXX XXXX  in XX/XX/XXXX-XX/XX/XXXX. In XXXX, it was acquired/rolled over to XXXX. They are reporting the XXXX as date of delinquency and it is INCORRECT and they will not send original creditor information. And the agencies still report it that way. I have requested the original creditor dates from Portfolio and they send something from XXXX in XXXX. It is deceptive and wrong! Reporting agencies are falling for this XXXX! This has been haunting me for so long!
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that this item is being reported correctly? Who verified this account? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are wilful non-complying with the FCRA.

Since you claim youve verified the account listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ACCOUNT? I believe you have not verified this account based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

XXXX XXXX XXXX Date Opened XX/XX/2017 Balance {$360000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX and XX/XX/XXXX Compass Bankcard pulled my credit report without my authorization. My credit card account was also closed on XX/XX/XXXX due to inactivity. However, I used my card on XX/XX/XXXX prior to it being closed. I called the bank to address this discrepancy. Since it was less than a 30 day gap and because it was their error they would reactivate my account by XX/XX/XXXX and a replacement credit card would be issued because my card expired on XXXX/XXXX/XXXX. In this conversation I specifically asked how my credit report would be affected. They stated that my credit would not be affected in any way. I was told that everything on my account would remain the same with the original open date.
Product: Credit reporting or other personal consumer reports

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. 
XXXX XXXX XXXX Balance : {$3100.00} XXXX  XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance {$1600.00}
Product: Credit card

On XX/XX/XXXX at the XXXX XXXX, I was offered a welcome/acquisition offer by Amex/XXXX for the XXXX XXXXXXXX XXXX XXXX earn 100K miles if I applied for that card at that moment and spent {$3000.00} in the first 6 months of the card. I'm also a card holder for other XXXX cards and I was not informed at the time of application that i wouldn't be eligible due to having other cards. Not knowing about my ineligibility, I took the card and paid {$350.00} annual fee upfront. 
I called Amex customer service on XX/XX/XXXX to check on the timeframe of my offer and amount threshold and check where I was in terms of meeting the spend, and the representative reminded me of the {$3000.00} spend threshold as well as the 6 month time frame to be met. At that time, both Amex representative and I were under the assumption that I was eligible. 
I met the spend threshold in XXXX, but I didn't see the points on my XXXX profile, so I called customer service on XX/XX/XXXX and I was then informed that I didn't receive the card because I was ineligible due to having had another XXXX card, a condition that was only disclosed on that day to my surprise. I asked them to reverse the decision and they opened an investigation and asked me to call again to check on their decision. 
I called back today XXXX and I was informed that they had decided that I am not eligible and will not honor the welcome offer. 
I asked to downgrade the card and refund me the {$350.00} annual fee and they did, however the annual fee that will be refunded is going to be prorated and they will refund me {$290.00}. I asked for the full annual fee, since they are also taking back all the points already earned on the card, however they refused to refund me fully for the annual fee. 
That's false advertising and misleading information. The result caused me a loss and no consequences for the issuer. This should be ilegal.
Product: Credit card

On XX/XX/2016, I alerted the Old Navy Visa Credit Card as to a fraudulent charge to the credit card account. Specifically, on XX/XX/2016, a purchase in the amount of {$200.00} to XXXX XXXX was charged to my account. The Bank 's representatives informed me that the fraudulent charge would be placed on hold and that an investigation would be made. After months of investigation I was informed that the Bank ".. did not find any unauthorized purchases applied to the account. If we contacted you to confirm attempted unauthorized purchases, it may be those purchases were rejected and were not charged to the account. At this time, we have concluded the fraud investigation and consider the matter closed. ''
Product: Credit card

I have been 30 days late a few times on my walmart credit card ( Through synchrony bank ) and I have phone records where the have called me 6-7 times a day ( including sundays ) for days upon days. I have told them to stop as it was a violation of law and have been hung up on.
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am reaching out to express my dissatisfaction and concern regarding the delayed response towards my dispute letter. This requires your express attention and immediate action. 

Here are the items I've disputed : XXXX XXXX Account Number : XXXX I requested verification and asked for its removal from my credit report, but the matter has not been addressed. 
XXXX Account Number : XXXX I sought verification and requested for its removal from my credit report, but I have not received any response yet. 
XXXX Account Number : XXXX I requested for verification and asked for its removal from my credit report. This has also been left unattended. 
XXXX XXXX Account Number : XXXX I requested for verification and asked for its removal from my credit report, but the matter is still unresolved. 
The aforementioned failures to respond to my letters within the mandated period are clear violations of consumer rights under the Fair Credit Reporting Act. I humbly request the CFPB to look into this matter and facilitate the necessary actions to resolve these disputes. 

I look forward to your prompt action on these matters.
Product: Credit reporting, credit repair services, or other personal consumer reports

FCRA violations : payments never late XXXX  XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$48.00} Status Open FCRA violations : accounts not mine XXXX/XXXX  XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$2300.00} Status Account charged off. {$2800.00} written off. {$2300.00} past due as of XXXX XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$350.00} Status Collection account. {$350.00} past due as of XXXX XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$180.00} Status Account charged off. $ XXXX Potentially negative Date opened XX/XX/XXXX Balance {$110.00} Status Closed. {$110.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Closed. 

FCRA violations : addresses not mine XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Resident type Single family XXXX XXXX XXXX XXXX, TX XXXX XXXX type Single family XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX Resident type Single family
Product: Money transfer, virtual currency, or money service

Unable to load funds on digital wallet and when requested to send funds with XXXX I was scammed money never refunded, and my information got leaked
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent all three consumer reporting agencies a letter asking to investigate certain accounts on my consumer report. I received the results from the investigation from XXXX and XXXX, and they failed to provide me with the contact information of the individuals they spoke with to get this information. Also, the accounts I highlighted can not be verified as I have no contract with these companies. Three companies in particular, XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX all have acquired my personal and private identification information without my consent. Not only did they take my information, they CREATED ACCOUNTS with my information just to harass me with claims of owing an alleged debt. That is IDENTITY THEFT. 

Pursuant to the FCRA, any consumer reporting agency may furnish a consumer report in accordance WITH THE WRITTEN INSTRUCTIONS OF THE CONSUMER to whom it relates. I NEVER, EVER gave ANYONE consent to take my information and do whatever with it, just for their benefit. So how and where are these people getting my information from if I never gave it to them in the first place?? The FCRA also states that consumer reporting agencies shall disclose to the consumer the identity of the person they spoke with. That includes the name, phone number, and address. However, that information was not disclosed to me, instead they have it as " Verified '' on my consumer report, with no evidence behind it. 

Why do I have to verify my identity when it comes to MY information, that I NEVER even gave ANYONE consent to have in the first place?? You can't even identify someone over the phone or mail! But for some reason, there is no verification when it comes to them putting false information on MY consumer report, when in fact the LAW says it shall be. I'm tired of the fraudulent and deceptive practices. It's harassment and abuse, and needs to cease immediately. 

I am giving the consumer reporting agencies MY CONSENT to reinvestigate this matter.
Product: Credit reporting

XXXX XXXX XXXX XXXX ( hospital ) incorrectly billed me for procedures that did not occur and then sent those incorrect charges to a collection account. I advised Equifax and provided documentation that I did not owe the hospital, they refused to remove the collection account. The XXXX XXXX XXXX XXXX finally resolved the issue in my favor and told me that they would remove the collection account. They sent me a letter to that effect dated XXXX XXXX, 2015. I was told to allow Equifax XXXX days to remove the collection account. Now, since over XXXX days have passed, Equifax has STILL not removed this uncalled for negative rating. I was recently denied credit by XXXX XXXX and have a letter from them indicating Equifax still has not removed the collection account from my record. This has caused me a great deal of embarrassment and distress trying to deal with a company that is completely unresponsive to reporting the truth and has soiled my credit rating without cause.
Product: Credit reporting or other personal consumer reports

XX/XX/2023 Called 5 times and went on to Equifax web site to unfreeze my account. 
Their verification or authentication method was irrelevant to me and useless. I gave them 4 digits of each credit card and they would not verify to know who I am but asked irrelevant questions that did not apply to me- totally useless!
Product: Debt collection

the website they use does not have a privacy or terms of agreement but the box must be checked before proceeding. 

XXXX   XXXX I called them, assetcare, XXXX XXXX XXXX, XXXX XXXX, XXXX, TX XXXX, XXXX XXXX, XXXX XXXX, XXXX, TX XXXX XXXX and they individual i talked to said it wasnt his, assetcares problem that there was no privacy or terms of agreement. 

Being no terms or a privacy policy in place, There is no way that my information can be safeguarded.
Product: Debt collection

I had a XXXX XXXX charge card opened in XXXX. I had financial problems as the Real Estate market is unpredictable and I'm a XXXX. I was making payments to XXXX XXXX in XXXX of {$75.00} dollars I missed a few payments after about 6 months they sold my account off to XXXX who in turn sold it to Lustig, Glaser & Wilson.  This Attorney has not been agreeably to settling the first time I asked them they filed a judgement against me while I was trying to save my home from Foreclosure, make car payments and health insurance payments all on a XXXX XXXX salary & my XXXX  job. I told them I had XXXX kids they didn't care we had to go on food stamps for a short time as well do to my wife having XXXX. I missed a court date and than I had to show up at the 2nd one and this Lawyer just does not want to work with me he just sent out paper work asking me to do a profit and loss for him so he can continue to try and harass me is the wrong amount and XXXX XXXX did not take off any of my payments they continued to charge a late fee even though I asked them to close the account. My youngest daughter was just in XXXX XXXX XXXX for 12 days due to her XXXX XXXX and we have to take her back for the next couple weeks to test her blood to make sure her white blood count goes back to normal as the XXXX could not remove all the toxins.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH, XXXX D.O.B- XX/XX/1982 SSN : XXXX I was denied a Checking account today at XXXX XXXX XXXX based on false or incorrect information. I have a business and I need to open my business bank account. 
Please send me a CHEX SYSTEM REPORT ASASP!
Product: Credit card or prepaid card

I dont recall this account ever being late. You are reporting inaccurate information that is ruining my credit and I demand you remove this inaccurate information immediately from my credit report. I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/2018 - 30 DAY LATE I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Product: Debt collection

portfolio Recovery as of yesterday reports monthly on my XXXX report that I owe them XXXX now they send me mail, bills and letters stating I owe from a XXXX XXXX Credit Card. portfolio Recovery is also playing on my XXXX  also as XXXX   XXXX XXXX. I have told them over and over I never had a XXXX Credit Card. They have a statement with a bill on it to say it mine and the person on the statement has an address of XXXX XXXX XXXX XXXX, CT. Since I made a few complaints they call daily, they send me bills and statements and now they Harass me by reporting monthly and only on my XXXX  report. The other who credit reporting agencies have deleted portfolio Recovery. XXXX will not prove or give me a chance after one time of disputing so therefore portfolio Recovery has the free will be report what they want on my credit. Please look into this. I feel as though this is my last attempt to argue this as they are violating my rights and if this can not and will not be removed. An Attorney is their next best argument.
Product: Credit card or prepaid card

My wife is a surviving of a   XXXX   XXXX   XXXX   and she has no ability to make decisions on credit, nor does she have an income. I recently discovered that she had a balance of $  XXXX  with Citi and I wrote them the following letter. I think they are a predatory lender, preying on the mentally  XXXX  by offering them credit cards that have no hope of being repaid.     The following letter explains the whole situation.     **********************   XXXX   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , SD  XXXX  Dear Citibank, It has come to my attention that your company issued a credit card and extended credit to my wife,  XXXX   XXXX . Her card number ending in  XXXX .     Her contact details are ;  XXXX   XXXX ,  XXXX   XXXX   XXXX ,  XXXX , CA  XXXX  This is an unfortunate situation as my wife has no mental capacity to contract with you for a lending product, especially a credit card.     In  XXXX , my wife  XXXX  fell out of a third story window in  XXXX   XXXX , and suffered life threatening injuries, including a  XXXX  (  XXXX   XXXX   XXXX  ), and mentally she has no capacity to enter into legal contracts.      One matter that concerns is that she has no material income, s o I am curious how you could have possibly underwritten her for a card. There are many technologies for verifying income, such as  XXXX   XXXX   XXXX  offered by  XXXX , the ability to review bank account details for obvious paycheck deposits, or as a last resort manually verifying paystubs. You not only contracted with someone without the required mental capacity, but you contracted with someone with no income. This does not meet the definition of responsible lending practices, and regulators will view this as the practice of a predatory lender, preying on the mentally  XXXX .     I feel very strongly that you have taken unreasonable advantage of a mentally  XXXX  person, while earning a great deal of interest, and I will be reporting this to both the CFPB and the California Department  of Financial Institutions as this is frankly unsettling and outsid e reasonable lending practices.     I will give you the benefit of the doubt that this is a clerical oversight, and if you provide documentation releasing her from these obligations, I will not report your organization to the CFPB and   XXXX   XXXX  . If this matter proceeds in a negative manner, I will be hiring legal representation for my wife and reporting your bank to the regulators mentioned.        XXXX ,  XXXX   XXXX , husband of  XXXX   XXXX
Product: Mortgage

I am filing a consumer complaint against my previous mortgage lender XXXX-XXXX ( XXXX ) for violation to the National Mortgage Settlement ( NMS ). This settlement prohibits lender abuse during the application process of applying for loan modification assistance. Somehow, my ex-wife XXXX XXXX XXXX, was allowed to complete a loan modification without my permission nor signature in or aroundXX/XX/XXXX. 
As a result of this negligence of XXXX, it appears that because my home loan was allowed to be modified without my consent, the new servicer Selene Finance ( SF ) now refuses to discuss loss mitigation options with me and will only speak with the co-borrower of the loan which just so happens to be my ex-wife XXXX XXXX XXXX. I feel that since XX/XX/XXXX, is still the owner of my loan it is their responsibility to correct the error. 
In fact XXXX, obtained a final judgement for foreclosure during the time that I was attempting to plead my case with SF, with regards to my rights to the home. 
First off, Ive provided copies of my recorded mortgage Note dated XX/XX/XXXX, in addition to this my name also appears on title for the property. 
See Exhibit A ( Mortgage Note dated XX/XX/XXXX ) Secondly, Ive sent copies of the Agreed Order from the divorce that was completed between XXXX XXXX XXXX and myself datedXX/XX/XXXX, which clearly indicates that XXXX XXXX XXXX has released all interest in the home and has no desire to be a part of the decision making process for loss mitigation nor any other subject matter relating to the property. This order releases all liability of XXXX XXXX XXXX and appoints myself as the sole responsible party. 
See Exhibit B ( Agreed Order Divorce datedXX/XX/XXXX ) Furthermore, both XXXX and SF also failed to adhere to a settlement conference, which is a face-to-face meeting with the lender to work out a foreclosure prevention agreement. ( Ind. Code 32-30-10.5 et seq. ) XXXX and SF have blocked me from the opportunity to satisfy the mortgage debt, instead SF and XXXX prefer to take advantage or abuse our homeowners rights in the same process which are deemed as direct violations to 'Real Estate Settlement Procedures Act ( RESPA ) ( 12 U.S.C. 2601 et seq. ) Regulation X.
Product: Debt collection

- I owed this company for the payment of my car. I have paid them in full the debt that I owed and I have my title to my car. However, they are still reporting to the credit bureau.
Product: Credit reporting or other personal consumer reports

I was looking at my report an notice there were some things was not correct. I sent a letter to EQUIFAX but it has been more than XXXX  days EQUIFAX still haven't responded to my letter.That is a violation of XXXX XXXX ( a ) Under the XXXX XXXX ( a ) ( XXXX ) ( A ) Subject to subsection ( f ) and expect as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumer 's file at 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 ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX delete these accounts immediately because of violation of 15 USC 1681i ( a ) ( XXXX ) ( A )