23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

My name is XXXX XXXX, and I am writing to file a formal complaint against SWRecovery, seeking your intervention in a matter that has caused me significant distress and financial concern. 

Recently, I discovered an unauthorized debt reported on my credit report by SWRecovery. The claim is related to an account that I have never opened, nor have I had any association with it. The details of the case are outlined below : Unauthorized Charge : SWRecovery  has reported a debt on my credit report, asserting an account that I have no knowledge of and have never initiated. 
To address this issue promptly, I request Southwest Recovery to contact me at XXXX and provide valid proof supporting their claim. This unauthorized charge amounts to fraud, as I have never had any dealings with XXXX XXXX XXXX XXXX the alleged source of the debt. I demand that Southwest Recovery takes immediate action to rectify this situation by removing the unauthorized debt from my credit report. 

I am willing to cooperate and resolve this matter amicably, but I insist on receiving concrete evidence from Southwest Recovery to substantiate their claim. Please ensure that this issue is addressed urgently to prevent further damage to my credit score and financial well-being.
Product: Debt collection

This debt was a charge off and this makes like the third or fourth company Portfolio Recovery has sold the account to for collection.
Product: Credit reporting or other personal consumer reports

I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of accounts : XXXX XXXX  XXXX XXXX XXXX
Product: Mortgage

I am filing a complaint against JP Morgan Chase regarding their unwillingness to provide information on a vendor 's lien they presumably acquired from Washington Mutual. This lien is associated with the property at XXXX XXXX XXXX, XXXX XXXX, Texas XXXX, originally under XXXX XXXX XXXX  Loan # XXXX. Chase 's lack of cooperation is preventing the resolution of a complex title issue. 
Key facts : Property address : XXXX XXXX XXXX, XXXX XXXX, Texas XXXX Original loan number : XXXX XXXX XXXX  Loan # XXXX XXXX : Vendor 's lien originated with XXXX XXXX XXXX XXXXXXXX : XXXX XXXX Mortgage acquired by XXXXXXXX XXXX XXXX XXXX XXXX XXXX  acquired by XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX assets acquired by JP Morgan Chase through FDIC Loan maturity date : XXXX Primary issue : JP Morgan Chase has refused to provide any information about this lien or mortgage, despite having acquired XXXX XXXX XXXX XXXXXXXX. Their unresponsiveness includes : Denying any record of the XXXX XXXX XXXX ( Loan # XXXX ) on the aforementioned property Failing to provide information on any assignments since XXXX Unwillingness to assist in resolving the title issue for XXXX XXXX XXXX This XXXXefusal to cooperate is causing significant problems : Unable to clear title on the property at XXXX XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX XXXX not satisfy the title company 's request for a lien release Potential financial and legal implications due to unresolved lien status Chase 's lack of accountability for assets they acquired is deeply concerning. As a major financial institution, they have a responsibility to maintain accurate records and assist customers with issues related to acquired assets, including this specific loan and property in XXXX XXXX. 
I request the OCC to : Investigate Chase 's handling of this matter Compel Chase to conduct a thorough search of their records for Loan # XXXX and the associated property Require Chase to provide all available information on this lien Ensure Chase fulfills its obligations regarding acquired assets This situation highlights a serious issue in the banking industry : the loss of critical information during bank acquisitions. It demonstrates the need for stronger regulations on record-keeping and customer service obligations for acquiring institutions. 
Your intervention is crucial in resolving this matter and preventing similar issues for other consumers. I appreciate your prompt attention to this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've recently viewed my credit file and noticed TRANSUNION has inaccuracies and/or incomplete information, and accounts that is UN-Verified on my credit report. according to the Fair Credit Reporting Act Section 611 ( 5 ) ( A ) of the FCRA- you are required to promptly DELETE all information that is inaccurate, incomplete, or which can not be verified. 
It is also my understanding that Under the FCRA 15 U.S.C 1681i, every single one each any or all the unproven, noncompliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in its entirety, or the alleged accounts are to be completely deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a bill from XXXX in regard to a credit card that I did not open. This was a fraudulent activity. I did not open the card with them and have reported the fraud to XXXX, XXXX and XXXX. I attempted to call all of the XXXX contact numbers on the bill to dispute the card but when i was connected to the virtual machine it told me to call later. All of this happened on XX/XX/22.
Product: Credit reporting, credit repair services, or other personal consumer reports

EXPERIAN is reporting inaccurate and unvalidated information on my Consumer 's credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Maryland XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing in regards to my recent credit report, which has highlighted several inaccuracies that I believe need to be addressed. After reviewing my report, I have found the following negative items which I believe are inaccurate and damaging to my credit score. 

Firstly, the bankruptcy listed under case number XXXX is an error. I am unsure of how you were able to verify this information when other bureaus have not, and have removed it from my credit report. I urge you to remove this inaccurate information immediately to prevent further damage to my credit score. 

Secondly, the XXXX inquiry listed on XXXX has reached the statute of limitation. I request that this inquiry be removed from my report as it is no longer relevant. 

Thirdly, the XXXX account listed under account number XXXX may have incorrect information. I request that you verify the payment status, balance, comments, payment history, and account number to ensure accuracy. If there are any errors, I request that you fix or delete this account from my report completely. 

Lastly, the XXXX XXXX account listed under account number XXXX is not associated with me. I have never had any business relationship with this company, and therefore this account can not belong to me. I request that this unknown account be deleted from my credit report right away. 

I understand that the accuracy of credit reports is essential, and I would appreciate your prompt attention to these matters. Thank you for your time and cooperation in this matter. 

Sincerely, XXXX XXXX
Product: Debt collection

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights I have a right to privacy these debts should not be on my private report according to 15 U.S.C section 602 A. States I have the right to privacy I did not give consent according to 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions No other adverse items of information should be on my report other than records of convictions of crimes according to 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.
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX
Product: Vehicle loan or lease

I purchased a Motorcycle In 2006 had in it Financed through HSBC. We had paid this loan off over a decade ago. I have recently sold this motorcycle but am not able to get the title to sign over to the new owner because HSBC still has a lien on the motorcycle. I have called the number that their customer service refereed to me as the department that deals with the lien and the number they provided to me just rings. I also was told to email the request with vehicle registration which I did and have not heard anything from them. Like I mentioned the motorcycle has been sold and new owner wants title asap
Product: Money transfer, virtual currency, or money service

I am filling a complaint against cash app ( Block , inc ) due to Inadequate customer service and unfair practices, which violate the consumer financial protection act ( CFPA ). Specifically, cash app failed to take timely and effective measures to prevent and address fraud on their platform leaving my account vulnerable and unprotected. Furthermore their dispute resolution process was unfair and deceptive. As they did not comply with error resolution requirements under the electronic fund transfer act ( EFTA ) and regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX has been in constant violation of the FCRA. They have reported a credit card account to my credit report that is a result of fraud and I claim no responsibility to. Not only that but they have maliciously and intentionally been reporting incorrect data. After being made aware of the account I requested it be closed in XXXX. XXXX XXXX has been maliciously defaming me and my credit by reporting data thats is not correct they have reported data as 30 days, 30 days, XXXX, days, 60 days and 90 days. Which is incorrect reporting. XXXX XXXX has failed to send debt validation as well. All credit bureaus are aware of these violations. 
Reporting Act ( " FCRA '' ), 15 U.S.C. 1681, et seq., or for violations of the California Consumer Credit Reporting Agencies Act ( " CCRAA : ), Cal. Civ. Code 1785.1, et seq.
Product: Credit reporting or other personal consumer reports

I am making this complaint because there is a problem with the procedure used by Trans Union, XXXX, and XXXX to block information resulting from identity theft. I was a victim of a threatening crime where I was XXXX XXXX XXXX XXXX and my wallet with my credit cards and other personal data was stolen. Since then every account in my name has been tampered with and someone has been attempting to use my name and likeness continuously. I filed an identity theft report with the Federal Trade Commission and even filed a police report. I submitted all those documents including my proof of identity and proof of address to a 3 credit reporting agencies. Many of the accounts were permanently blocked, removed and deleted except for 3 XXXX XXXX XXXX XXXX accounts. I want those accounts permanently blocked, removed, and deleted from my credit report immediately because it is only fair and reasonable. Please see attached notice.
Product: Debt collection

This statement pertains to what has been deemed as Fraud. I have never contracted services with MIDWEST RECOVERY SYSTEMS on behalf of XXXX XXXX. This account just recently appeared on my personal credit report with no address and no account number to investigate further. Upon completing an online search XXXX XXXX is an illegal offshore payday loan lender and I would like you all to be aware of this scam and to take action as necessary.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report and noticed that this account is fraudulent. I would like to have this account removed due to is hurting my credit
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2015, I submitted payment for my XX/XX/XXXX mortgage via the only option that XXXX XXXX made available to me for sale day payment -- XXXX XXXX. I have a receipt that I paid the mortgage on XX/XX/XXXX at XXXX and that the money woudl be delivered in minutes. For whatever reason, XXXX did not process the payment for an additional day, thus they claim I was late with my payment. I have attempted repeatedly to have them correct the erro, without success. Thier default is  that its not when I pay but when they process -- however, I can not control how fast they process -- only when I deliver the funds.
Product: Credit reporting or other personal consumer reports

Experian is still furnishing data for the XXXX XXXX account when it has been charged off. The IRS clearly states that cancellations of debts are reportable income and that can not be reported on my credit report no longer.
Product: Debt collection

I was victim of a fraudulent charge on my military star card, I contacted XXXX  several times over the years through email ( fraud department ) and several phone calls to resolve the issue, not only It was never resolve but it has more than double, my calls are been ignored and my email not answered. this is not the first time I am trying to contact the department regarding the charges that were imputed to me. I have contacted the airline company and the information i received from them did not match my own. I asked to speak to someone in charge or some one who cares enough to investigate this, this has been causing a financial burden on me and my family as my wages are been garnished.

I even got my chain of command involved but we were always put on long hoold and hanged up on.

email dates Wed XX/XX/XXXX, XXXX XXXX Fri XX/XX/XXXX, XXXX XXXX XXXX ;
Product: Credit reporting, credit repair services, or other personal consumer reports

Around 2 weeks or so I was having trouble logging in to my experian account and Ive been calling and having no resolution to my problem as to this day I still cant login to my account even after countless password resets
Product: Credit reporting, credit repair services, or other personal consumer reports

I informed Experian that XXXX had sued on a debt that a bank stated that I owed. However, I disputed the amount the bank alleged I owed due to their erroneous calculation of interest. XXXX sued me in civil court and after my attorney responded, they have not proceeded as of this date. So the amount owed is contested and is not proven to be owed, and the proof XXXX submitted does not prove anything, nor has teh matter been decided by the court that XXXX decided to litigate in. Accordingly, they should not be able to claim that I owe a debt when they can not prove and have not proved in a court of law that the debt is owed. This credit reporting is a scam and any kind of verification they did is a scam as well, since I specifically told them that the matter was being litigated.
Product: Checking or savings account

Chime Bank has closed my account and is refusing to refund my balance of {$24000.00}. I have sent them documents confirming who I am and where my deposits came from. I have sent them my State license, social security card, proof of residence, and other forms indicating that I am the designated recipient of my deposits. My account was closed on XX/XX/2020.
Product: Credit reporting or other personal consumer reports

Equifax is not reporting the same information as XXXX and XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

My personal information was stolen from my car in 2020. I filed a police report. This is how they were able to steal my identity. They opened an credit account with Chase bank. ( I have never been affiliated with any bank other than XXXX  XXXX XXXX ) They took out almost XXXX dollars under my name. The reason it took my until now to file the report is because the perpetrator used another phone number and address for this account. So, Chase bank was never able to contact me. I have all the police reports and transactions made for that account in a PDF. I am unable to attach the transaction in this claim because the file is to large. But I do have that information.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name XXXX XXXX this complaint is not made in error neither is it being made by a XXXXXXXX party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the XXXX and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Product: Credit reporting or other personal consumer reports

Sent Validation letter by standard mail XX/XX/2024. There was no Response after 30 days sent a second letter certified to Validated the debt to show proof of Purchase agreement Still No Response.

This company has not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.
Product: Credit card or prepaid card

Bank of America credit card ending in XXXX claims in the letter that on XX/XX/XXXX due to a breach of terms and agreements my account was closed I did not receive the reason why even though it was stated that they will send a copy of the terms and agreements for this account in a separate mailing the letter that I received was dated XX/XX/XXXX and there was no explanation on that letter and there has been no explanation to date. I believe that since I recently stopped direct deposit into a separate account and subsequently closed my checking and saving account held by the same bank, this was a retaliatory action.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several inquiries that I did not authorize, I have no account with these companies and when I reached out the companies couldnt give me any info in regards to the matter.I contacted equifax to let them know about these Unauthorized inquiries and they will not remove them here is the list of inquiries : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX
Product: Money transfer, virtual currency, or money service

I had disputed a transaction with paypal and it was suppose to show up in my paypal balance but it never did. I even originally made the payment from my paypal balance but they system glitched and sent it to a closed XXXX  account I used to have. I have emails from XXXX  stating that they reversed the funds and sent it back to paypal so that it will be in my paypal balance but paypal saying they never received my money. So both XXXX  and paypal have not put my {$510.00} back in my paypal balance. All I been getting is the run around even when I provide proof and I couldnt even get a provisional credit until they find out whats going on. I have kids to feed and bills to pay, but XXXX  or paypal isnt giving me my money. Ive been waiting extremely long and none of the reps on either side has helped. Please help me get my {$510.00} back from either paypal or XXXX. Thanks CFPB.
Product: Bank account or service

Bank placed a negative complaint on my XXXX report for suspected fraud activity and I do n't owe the bank anything and there was no fraud on my account.
Product: Checking or savings account

On XX/XX/2019, I upgraded my HSBC basic checking account to premier checking account. HSBC sent me a new debit card ( without my awareness ) and a new credit card, but I never received them in my mail. 

On XX/XX/2019, I received multiple fraud alerts in my mobile phone warning me HSBC suspect fraud on my card account ( s ). I called HSBC security center immediately, confirmed the fraud transactions because I never received my debit card and credit card. I requested HSBC to close my debit card and credit card immediately.

However, HSBC didn't refund me all the fraud transactions made on XX/XX/2019 on my card accounts. On XX/XX/2019, HSBC sent me a letter claiming that the transactions on my card accounts were " AUTHORIZED '', and therefore they're denying my claim.

This is absolutely UNACCEPTABLE! HSBC is un-professional, unreliable and their fraud investigation is totally WRONG!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and have been a victim of identity theft for over 11 years. I have 2 accounts and XXXX credit inquiries listed on my Equifax, XXXX and XXXX XXXX credit report that are fraudulent and unauthorized. The following accounts and credit inquiries are fraudulent : XXXX XXXX XX/XX/17,  XXXX XXXX XX/XX/17, XXXX XXXX XX/XX/17, XXXX XXXX XX/XX/17, XXXX XXXX XXXX XXXX XX/XX/17. Further, please add the following personal information to my credit report : Employer : XXXX , XXXX XXXX XXXX XXXX XXXX XXXX XXXX ND XXXX Phone : XXXX, Position : XXXX XXXX XXXX XXXX  Annual Salary : {$150000.00}