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

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within XXXX business days. 
To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXX FS XXXX XXXX XXXX Inquiries XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for XXXX year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than XXXX  days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Debt collection

First this company called my father in another state, and when they were told to stop harassing him they then called my cell phone. They are calling for somebody else, another name, yet are bothering and harassing us. Apparently they XXXX names and their XXXX agents go fishing.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX & outsourcing is reporting inaccurately and has caused me suffer financial damages. They have violated the privacy of my consumer report by reporting information based solely on transactions and experiences between me and the person making the report. Refer to 15 USC 1681a paragraph 2.
Product: Debt collection

XXXX, after numerous explanations that the buyer is a scammer, trying to extort money through XXXX. This full description problem. To begin with, we will describe the fraudulent scheme of the buyer. We sold XXXX expensive XXXX diagnostic devices on XXXX. After the purchase, the buyer reported that supposedly XXXX device did not work well. We asked to provide the serial number of the device and reset the log file. After that, the buyer disappeared for XXXX months. After XXXX months, the buyer opens a dispute in his bank, but, mind you, not on XXXX, and the bank, of course, resolves the dispute in favor of the buyer and demands a refund from XXXX. Now attention! XXXX takes money from our account without returning an expensive device from the buyer. We are shocked by such illegal actions of XXXX and are trying to figure out with XXXX on what basis they withdraw money without returning the device and why XXXX did not forbid the bank to return the money without returning the device. After a few phone calls to XXXX, XXXX explains it as if it's the buyer 's financial institution withdrawing the money and they can't do anything while XXXX itself withdraws the money. We called our bank and explained the whole situation and blocked the withdrawal of money and also filled out the XXXX form. The bank blocked the withdrawal of money and returned it back. Despite this, XXXX continues to try to withdraw money, despite bank blocking, that is, they use extortion methods and threats in terms of closing the account. On what legal basis? XXXX does illegal and illegal activities.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed the annual credit report request form to the address provided. The form clearly had my Name, address ( the same mailing address since 2015 XXXX, social security number, and date of birth written on the form. Transunion, XXXX, and XXXX  refuse to send my free credit report.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes to the bureaus and the company World Finance. This account does not belong to me. I have also submitted a copy of the federal trade commission report to support that this account is a result of Identity Theft. I have been disputing this account every month Since XX/XX/2023, with no response from the bureaus nor the company. The bureaus continue to kick out my dispute saying that I am a third party but I always specify in the beginning that I am the person doing the disputes not a third party. I have submitted my drivers license to prove it's me and I have called the bureaus. I have called the company and I can't get anyone to help me. I thought that no response in 30 days the claims from them would be dismissed. This is ridiculous.
Product: Mortgage

As millions of Americans we have been impacted by COVID and our mortgage with Flagstar Bank was put in Forbearance. On XX/XX/XXXX. XXXX we were offered loan modification, however in order to finalize we had to complete 3 trial payments on the following months XXXX, XXXX and XXXX and which weve successfully completed and on XX/XX/2022 we received a package to finalize the modification and bring the loan current. My wife and I signed, notarized and sent the package back quickly. In the meantime, we continued to make payments as instructed and I continued to call the bank at least once a month to make the payments ( since we cant do it online ) and inquiring about the online banking and asking about my loan. 
At no point I was told there was a problem nor received any lette. Beginning of XXXX and during a regular call to schedule my payment the rep shared with me that the loan modification was closed due to me breaking the trial payments?! And the same agent was able to confirm that the info she shared with me was inaccurate and opened up an expedited request to reopen the loan. After a week of waiting and stress I called again to get an update after 5 attempts due to calls dropping I was able to speak with a rep who gave me a whole new story for my loan being closed and it had to do with recording being rejected?!! 
Now, the account was sent to collection department, and weve been getting scary letters with threats to pay all the outstanding balance of over $ XXXX and were in danger of loosing our house! Till this day no one had explained how we got to this and why?! 
I have sent Qualified Written Request ( Notice off error ) on XX/XX/2022.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian intentionally refuses to meet compliance with 609 ( a ) ( 2 ) ; ( a ) ( 4 ) ; 611 et. seq. and/or additional FCRA laws, & more importantly violation of the Fair Accurate Credit Transactions Act ( FACT Act ) of 2003 enacted by congress in which its behavior may have risen to either a criminally or civil liabilities claim. 

Repeated requests to provide methods of accuracy & verification used by Experian pursuant to FCRA 's promulgated statutes, rules, authorities and/or 611et. seq., remains intentionally silent or misdirected and thereby remains non-compliant of FCRA 's authorities to date.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2020 Credit opened with XXXX 's by someone under my name, home address, SSN. 
Contacted XXXX 's Fraudulent department. 

XX/XX/2020 Conn 's XXXX. Credit opened with Conn 's for {$2400.00} by someone using my name, home address, and SSN. 
Contacted Conn 's XXXX Fraudulent department. 

XX/XX/2020 Checking account opened with XXXX XXXX XXXX by someone using my name, home address, and SSN. 
Contacted XXXX XXXX XXXX Fraudulent department.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 10th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$550.00} XXXXXXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX ) XXXX Balance : {$690.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX  XXXX XXXX Balance : {$540.00} XXXX XXXX  ( Original creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$690.00}
Product: Debt collection

Enhanced Recovery is trying to collect on a XXXX debt that is not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is incorrectly reporting an "  XXXX   XXXX  '' account on my credit report.     According to my credit, it was opened in  XXXX   XXXX  for a debt of {$1100.00}.     I have never had any business dealings with this collection company. I do n't know who they are or why Transunion is reporting a debt with them on my credit report.     This is not the first time I have disputed this account, I have sent written disputes to Transunion on  XXXX / XXXX / XXXX ,  XXXX / XXXX / XXXX  and  XXXX / XXXX / XXXX  to get this removed but time after time, Transunion has dismissed my disputes as frivolous and they refuse to remove this from my credit.     I want to add that Transunion is the only credit bureau who is reporting this to my credit.   XXXX   and  XXXX  have no record of this account. This does not make sense. How can Transunion verify that this account is mine but  XXXX  and  XXXX  can not? Would n't it also be reporting on my other reports if this was actually mine?     I am taking my complaint to the Consumer Financial Protection Bureau because Transunion 's blatant disregard of the law is unacceptable.
Product: Checking or savings account

I attempted to reset my multi factor authentication profile today XX/XX/2023. In doing so, I was locked out of my account for no reason. I was asked to submit a picture of my ID, a selfie, and a picture of the left and right sides of my face. I did this multiple times and it kept getting rejected. I submitted a ticket with Robinhood and they refused to help any other way, stating I took the picture wrong ( I did not ). I resubmitted it 3 times while on the phone and they said I still submitted it wrong ( I didnt ). I asked for a manager and they told me to hold. I waited 20 minutes to be told the manager would email me to setup a call. I said no, stating that every time I was previously told this by Robinhood, I never received an email back after I replied. I said I would hold for a manager on the phone. I waited another 30 minutes and was told the same thing. I replied the same thing as above, I would hold for one. I wait another 10 minutes and then they tell me they cant do anything without me replying to an email to setup a time. Even after the rep hung up on me, even if I did want to do the email method, they did not send me anything. So I now can not access my checking or brokerage account through them.
Product: Checking or savings account

I mailed a check through the US Postal service for a contractor retainer. The mail was stolen and the check was altered. 

A case was filed with Citibank. The first case taken by phone, I was told the case was filed but was never completed. When I called back to follow up, I was told that the operator closed the request. I requested Citibank to pull the recording and that I wanted to log a complain with the office of the president. Citibank did not follow up. 

A second fraud case was filed. I completed an affidavit of fraud by mail and sent an electronic copy of the check from online banking. The check To field shows a different handwriting. 

I received a letter in the mail from Citibank saying my claim was denied and I would need to provide the original check as proof. I have requested Citibank to retrieve the original check from the depositor with no response. 

I do not feel Citibank is acting in my best interest to resolved this issue both mail fraud and check fraud. 

The check amount is for {XXXX}
Product: Credit card or prepaid card

I applied for an XXXX XXXX Credit Card on XX/XX/XXXX. It was an in flight application that was handed to me. I filled out the application and handed it back to the attendant. They placed in on a seat as I watched and I had to remind them it was there. 

Since this application date I have not heard anything. I called XXXX XXXX customer service XX/XX/XXXX and XXXX ( text ) instructions to call B of A customer service at XXXX. I then called B of A and spoke with XXXX that alerted me that no application was on record. 

I am concerned for my personal info being out there. It is my belief that the attendant mishandled my application or misplaced or lost it. It is now out there for anyone to get. This seems like a severe breach of security. 

My Flight was XXXX XXXX to XXXX departing at XXXX I would like XXXX to take action to protect me on this account.
Product: Debt collection

They constantly keep harassing me and have repeatedly told them I did not open no account with them.
Product: Credit reporting or other personal consumer reports

The unverified accounts listed below continue to appear on my credit report despite several written requests, which constitutes a violation of federal law. In my previous letter to the 3 credit bureaus, I did not receive a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be validated. Should you fail to authenticate these accounts, I will have no choice but to pursue legal action. I urge you to comply with the law so that this matter can be resolved promptly. 
XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$59000.00} XXXXXXXX XXXX XXXXXXXX Balance : {$11000.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00}
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 XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and 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 XXXX 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: Debt collection

This is a follow up to an existing complaint I filed against JPMorgan Chase - Chase Recovery Services. I had been trying to re-negotiate an automatic deduction from my checking account, made monthly on the XXXX, for repayment of part of a credit card debt, that I was told I should do or they might take legal action. Given the current crisis, the fact that I am on SSDI, I tried to renegotiate this settlement with Chase - not to erase it - just to lower the monthly payment. They initially refused to stop the automatic deduction - I'm not sure how they can legally do that> I thought this was my bank account. I received a call from Chase Executive offices. A woman named XXXX left a message. Here is her information because you are going to need it - and I should note that she has now come up with two different telephone numbers in two different locations - so I don't think she's calling from Chase Executive Offices.

You sent the complaint to Chase - but they farmed it out to a debt collector, and this one is getting abusive as well. Originally, " XXXX '' called from XXXX XXXX, NJ. The phone number came up as XXXX. She said she was looking into it. I called her back three times - went automatically to voice mail. Although that was the number that came up on my phone, she asked me in her voicemail asked me to call : XXXX, ext. XXXX. That is the number I called 3 times. Straight to voicemail. 

Today, " XXXX '' called from the number XXXX, XXXX XXXX, NY. She's obviously not affiliated with " Chase Executive Offices. '' They are lying. She gave me another number to call, but said that she did not know if I could renegotiate this situation. That number is : XXXX. I called. It disconnected. " XXXX '' said that this was the " resolution '' to my complaint. Obviously it isn't. 

JPMorgan Chase gets my SSDI check directly from the SSA. Unless I can establish a new bank account at another bank, when I have XXXX and no XXXX XXXX   - and get that direct deposit set up with the SSA - they will continue to take my money and offer me no way to negotiate a lower monthly deduction - and this is all after Chase Customer Service refused my request to cancel that deduction. 

This is abominable. JPMorgan Chase is taking advantage of an immunocompromised person in the middle of a global pandemic. I've banked with them for 20 years, and I have apparently have no way of stopping them from stealing $ XXXXmonth from me. And I am XXXX  for XXXX and awaiting a test. " XXXX '' could actually hear me coughing on her " recorded '' line. 

JPMorgan Chase is LYING to the CFPB. And to me. And that probably means to millions of other Americans.
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I, XXXX XXXX XXXX am lodging this formal complaint pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and its relevant provisions, concerning discrepancies in the reporting of late payments for my XXXX XXXX XXXX XXXX card across multiple credit reporting agencies. 

Upon reviewing my XXXX credit report, dated XX/XX/XXXX, it has come to my attention that XXXX payments for my XXXX XXXX XXXX XXXX card account were reported as XXXX days late. Conversely, my XXXX report, dated XX/XX/XXXX, asserts that the account is current, with no late payments. Furthermore, my Experian report indicates a single late payment without specifying the precise duration past due. 

This inconsistent reporting is in direct contravention of the FCRA, particularly Section XXXX, which mandates the accuracy of information within consumer credit reports. Moreover, Section XXXX imposes a duty upon furnishers of credit information, such as XXXX XXXX XXXX, to provide accurate and complete data to credit reporting agencies. 

The aforementioned discrepancies have resulted in material adverse effects on my credit score and financial integrity. As such, I implore the Consumer Financial Protection Bureau to initiate a comprehensive investigation into this matter XXXX, in accordance with Section XXXX of the FCRA, which stipulates the timely investigation of disputes and the duty to correct or delete inaccurate information. 

In light of the foregoing, I respectfully request the Consumer Financial Protection Bureau to take expedient remedial action to rectify the inaccuracies present in the credit reporting provided by XXXX, XXXX, and Experian regarding my XXXX XXXX XXXX XXXX card account. 


Thank you for your attention to this matter. I anticipate a prompt resolution to this issue.
Product: Debt collection

XX/XX/2019 about XXXX Debt collectors from USI Solutions in PA XXXX XXXX called my father in law asking for XXXX XXXX then asked for XXXX ( my wife ). XXXX and I both recd phone calls with voicemails from XXXX XXXX. XXXX called back XXXX was trying to collect old debt from over 10 yrs ago that was paid off. XXXX then transferred the call to XXXX XXXX claiming to be the regional manager.  XXXX right away tried to collect {$1000.00} to settle already paid debt. He said this was from when the economy dropped. He had no information and said the attorneys office where I paid was closed. I have no record of this on my credit report in bad debt. He said it could hurt my credit if I dont resolve it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite having fraud alerts my Experian account was taken over by unknown individual. Part of my settlement was that I would have Via XXXX credit monitoring. In addition XXXX partner with Experian to create XXXX protect myID with Experian. Two separate entities to monitor my credit file. On Experian this would be my email ( XXXX ) ; this is where my account was compromised. My cell number was changed without my authorization and I never requested to have the cell number changed at Experian. On XXXX protect my ID this is my email ( XXXX ). I noted XXXX different numbers associated with my account XXXX a XXXX and a XXXX I forget the rest. Now my personal cell number ; which I only have XXXX cell number has be disassociated from my credit report. I never requested for my one only cell number to be deleted and a new cell number from XXXX XXXX Nevada that I have not used in over three years on Experian. The number on Experian site that has been incorrectly associated to my credit file is ( XXXX ) XXXX. Whom can change my number on my credit profile in a dispute on the Experian website when it was not myself. I ask that this be fully investigated and the perpetrator brought to justice. For the record I did not request a dispute to disconnect my only cell number which there is only one cell number to be disassociated from my credit profile.
Product: Credit reporting, credit repair services, or other personal consumer reports

Early XX/XX/2020, I received an alert from XXXX  about an account that had been added to my credit report. When I signed in to view my report, there was an account that I did not recognize ( XXXX  XXXX XXXX  ), but there was no contact information for them. So I log into XXXX XXXX and I notice that it was a collection account owned by XXXX XXXX XXXX. So I reach out to XXXX XXXX XXXX and explain that I did not own that account, they had the wrong person. The account was then removed from my credit report as a result of the investigation. Two days later, I received a notification that an account was removed from my credit report from both XXXX  and XXXX, but nothing from Equifax. So I give it some time thinking they needed time to official remove the account. After a month passed and the item was still on my Equifax  credit report, I reach out to Equifax and they have no record of a request from XXXX XXXX XXXX to remove the item from my credit report. So I conference call XXXX XXXX XXXX ( with Equifax  customer service on the line ) and was transferred to XXXX XXXX, the Director of Operations for XXXX XXXX XXXX. XXXX XXXX informed Equifax that an e-OSCAR had been submitted to all 3 credit bureaus on XX/XX/2020 to request the account be removed from my credit file. The Equifax customer service representative continued to say they have not received any such request. XXXX XXXX proceeds to give verbal authorization to remove the account from my credit file and Equifax still refused to do so. Equifax is now making me go through another 30 day process to get an account removed that has already been requested for removal from the reporting company.