23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I received an email for JP Morgan Chase thanking me for requesting a new credit card on XX/XX/2023. I never requested a new credit card from them. I called Chase and told them I did not make the request. I spoke with XXXX and he said he would write a letter to the Credit Bureau that I did not make the request and I would receive a copy of the letter. My credit score dropped XXXX points and said my debt has increased.
Product: Mortgage

Navy Federal has discriminated against veterans by denying VA loan applications without sending explanation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I declare under penalty of perjury ( under the laws of the United States, If executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18U.S.C1001.Additionally, these misstatements are punishable as perjury under 18 U.S.C 1621. This collection found within my credit report is not related to any transaction that I made. I am alleging that a person or company -without my authorization -used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All are being investigated by the FTC XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  Account XXXX : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than XXXX. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : Listed below are the Accounts that are being challenged XXXX  - XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The account isn't mine : XXXX XXXX Closed : XX/XX/2017 2017
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act this creditor has violated my rights. 15 USC 1681 Section 602 states I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for any purpose. 

XXXX XXXX XXXX  reporting multiple late payments in the year of XXXX, XXXX, XXXX on the account which is all a error. 

XXXX XXXX reporting late payments in XX/XX/XXXX XXXX XXXX XXXX reporting late payments in XXXX XXXX, XXXX, XXXX, XX/XX/XXXX XXXX XXXX XXXX reporting late payments in XXXX, XXXX, XXXX, XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi i sent a letter on XX/XX/22 to dispute a account on my consumer report that is not accurate. XXXX got the letter on XX/XX/22, XXXX XXXX got the letter XX/XX/22 and equifax got the letter XX/XX/22. I also sent a copy or driver license and a bill showing my address. They sent me a letter stating that the account been verified. UNDER 15 USC 1681i ( c ) ( 5 ) -Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
Product: Debt collection

black night foreclosing run of the mill operation, with publishing and posting fraudsters, forging my name, securitizing before closing deal not even owner, clouded title, fraud lien instrument, FDCPA Violation of Taxes, Stealing SSI and Cusip money, XXXX Accepted under duress as beneficiary with non-disclosure and another time as trustee, cancellation of note securitization, all fraud trying to settle the accounts and can not and attempting through XXXX XXXX XXXX, and Quality Loan Service to foreclose on the debt the bank owns and needs to go to jail all of you see links.

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Now we see the news and this site XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and California Laws Dear SYNCB/XXXX, I am writing to address the unauthorized reporting of information to my credit report, which is a violation of both federal and XXXX  state laws. Under the Fair Credit Reporting Act ( FCRA ), specifically Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), and XXXX  identity theft and consumer protection laws, this reporting has been done without my explicit consent. 

It has come to my attention that SYNCB/XXXX  has engaged in unauthorized reporting to my credit report, violating both federal law and the XXXX  Identity Theft Statute under Section 530.5 of the XXXX  Penal Code, which criminalizes the unauthorized use of personal identifying information. The FCRA mandates that a consumers consent is required for such reporting activities, as stated under Section 1681b ( a ) ( 2 ). 

Furthermore, XXXX  Civil Code Section 1785.25, part of the XXXX  Consumer Credit Reporting Agencies Act ( CCCRAA ), emphasizes that no consumer credit information should be furnished without proper authorization, and such reporting without consent is a direct violation of my rights under both federal and state law. 

I assert that I have not provided any consent to SYNCB/XXXX  to report any information to my credit report. This lack of authorization constitutes a blatant violation of my rights, causing potential harm to my credit standing, and represents a disregard for the legal protections set forth by federal law and California law. 

I demand that SYNCB/XXXX  immediately cease any further reporting of information to my credit report without obtaining my explicit consent, as required under Section 1681b ( a ) ( 2 ) of the FCRA and Section 530.5 of the XXXX Penal Code. Failure to comply within the next 30 days will be treated as intentional noncompliance, subjecting SYNCB/XXXX  to penalties under applicable federal and state laws, including those governing identity theft and consumer fraud in XXXX. 

This is not a negotiable request ; it is a demand for compliance with both federal and state regulations that protect consumers from unauthorized and harmful credit reporting. I expect prompt rectification of this matter, ensuring that my rights under these laws are fully respected. 

Done in good faith.
Product: Credit reporting or other personal consumer reports

I would like to request the suppression of this item from my credit report, which is the result of a fraudulent item origination and identity theft. This fraudulent item should be DELETED from appearing on my credit report. I am trying to obtain credit and it is causing me too much emotional and financial distress because of this item that does not belong to me which is reported erroneously. I am in desperate need of this item to be INSPECTED and REMOVED. XXXX XXXX XXXX, KY XXXX XXXX XXXX Balance Owed {$6300.00} XXXX XXXX XXXX XXXX Owed {$1200.00} XXXX XXXX XXXX Balance Owed {$0.00} XXXX XXXXXXXX XXXX XXXX XXXX {$140.00} XXXX XXXXXXXX XXXX XXXX Owed {$120.00} XXXX XXXX XXXX Balance Owed {$85.00} XXXX  XXXX XXXX XXXX Owed {$69.00XXXX XXXX XXXX XXXX XXXX Owed {$79.00} XXXX XXXXXXXX XXXX XXXX Owed {$83.00} XXXX XXXX XXXX Balance Owed {$150.00XXXX XXXX XXXXXXXX XXXX XXXX Owed {$73.00} XXXX XXXX XXXX XXXX Owed {$84.00} XXXX XXXXXXXX XXXX XXXX Owed {$61.00} XXXX XXXX XXXX XXXX Owed {$84.00} XXXX XXXXXXXX XXXX XXXX Owed {$0.00} XXXX XXXXXXXX XXXX XXXX Owed {$0.00} XXXX XXXX XXXX Balance {$12000.00} XXXX XXXX XXXX Balance Owed {$2400.00} XXXX XXXXXXXX XXXX XXXX {$0.00XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting

A name on my credit report is wrong - I have never been XXXX XXXX - please remove.Names Reported XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX
Product: Checking or savings account

I do not want the lunatic employee " XXXX  '' of Capital One to handle this complaint because she is a stupid XXXX that she only looked at the XXXX transactions on XX/XX/year>. This complaint is a continuation of the complaint ID XXXX. The brainless employee " XXXX  '' responded back to complaint ID XXXX with her same ignorant response that XXXX refunded me back {$7.00} on XX/XX/year> and that was why Capital One did not refund me back the last seventh {$7.00}. However, she still never looked at the XXXX transaction of {$7.00} on XX/XX/year> because that was the one that I kept saying Capital One still has not refunded me back. I created the two complaints ID XXXX and XXXX. However, the blockhead " XXXX '' marked them as duplicated. So, in this new complaint, I once again request a different employee of Capital One, NOT THE TWIT " XXXX  '', to look at the XXXX transaction of {$7.00} on XX/XX/year> because that was the last seventh transaction that Capital One still has not refunded me that I kept mentioning. PLEASE SEE THE ATTACHED DOCUMENTS. WARNING : IF CAPITAL ONE 360 STILL WILL NOT REFUND ME BACK THAT LAST {$7.00}, I WILL TAKE LEGAL ACTION. I DO HAVE PROOF. PLEASE DO NOT EMBARRASS YOURSELVES IN COURT THAT CAPITAL ONE STOLE MY {$7.00} AND TRIED NOT TO RETURN WHEN I REPEATEDLY ASKED.
Product: Credit reporting or other personal consumer reports

XX/XX/year> XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, FL XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, GA XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX RE : Trafficking Block Request To Whom it May Concern, I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Address XXXX XXXX XXXX XXXX XXXXXXXX, OH XXXX XXXX XXXX XXXXXXXX XXXX XXXX, FL XXXX XXXX Account name XXXX Account number XXXX Account name XXXX Account number XXXX XXXX XXXX XXXX Account number XXXX Account name XXXX XXXXXXXX XXXX XXXX Account number XXXX Account XXXX XXXXXXXX XXXX Account number XXXX Account name XXXXXXXX XXXX  Account number XXXX Account name XXXX XXXX XXXX XXXX XXXX  Account number XXXX Account name XXXX XXXX XXXX Account number XXXX INQUIRIES XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Please block this information from my credit report within four business days , pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX XXXX Enclosures Proof of identity Trafficking documentation
Product: Debt collection

I am disputing this account, Pursuant to 15 usc 1692g ( a ) ( 2 ) I am demanding that you provide me with the name of the creditor of this account. Pursuant to 15 usc 1692g ( a ) ( 1 ), I am requesting the amount of the alleged debt, and how the amount of this alleged debt was calculated. Please keep in mind this is only a request for validation of the AMOUNT of the alleged debt pursuer to 15 usc 1692g ( a ) ( 1 ). 


I need the original contract for this supposed debt as well. 

Account name XXXX XXXX  Account number XXXX Date opened XX/XX/2023 Balance {$3900.00}.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : XXXX XXXX XXXXXXXX XXXX XXXXXXXX, has violated my rights. I looked at my Transunion credit report on XX/XX/year>, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 they are suppose to 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

I keep getting harassed by a creditor and threatened with legal action on a debt that was a result of fraud.
Product: Credit reporting, credit repair services, 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. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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: Debt collection

The original creditor did not submit bill to payment to the right insurance company, and were unable to locate the bill so payment could be sent to them. I referred all of the credit collection agencies to contact my insurance company for payment which they did not do. 
I have paid my co-pay that was required by my insurance company. XXXX credit collection companies have sent delinquent status letters and put this debt on my credit. I have a notice showing that I do not owe anything, but they continue to harass me. XXXX XXXX, XXXX has several companies that are repeating these tactics and have had to remove the debt even knowing that the debt is not under collection. The following collection companies and owned by XXXX is XXXX, XXXX XXXX XXXX XXXX XXXX, and now Dynamic Recovery Solutions. These companies have been shown proof and now are just harassing me now and I do not know what to do to get them from doing this on each company that XXXX XXXX owns. How is this legal? I have notified you concerning this problem and was told that I did not enough information to open a case. Please take care of these people from doing the same to them to. I am on XXXX and have good credit but XXXX is causing me in trying to get a decent interest rate on a auto loan, and a refinance on our home. I have proof of the bill showing XXXX on the bill, that each of these companies have received to them and contacted all of the credit agencies to get these items off my credit report. This is harassment especially when I have sent proof of evidence. You are my last hope in helping me get this resolved and prevent this company from doing this to someone else. Thank you for taking the time and hope we can get resolution to my problem.
Product: Mortgage

Please note this is a Followup. 

You have the originals complaints and answers to litigation and fraud elements. 

XXXX XXXX XXXX. Trustee responded that they are not involved when they sued me. 

XXXX XXXX XXXX XXXXXXXX and Caliber Home Loans, Inc. sent repetitive letters from XXXX to XXXX. 

They are all responsible for Real Rstate Fraud,  confusion regarding service and ownership service notifications. Those notices were not reflected on the Instruments from XXXX recorded at property clerk. Another name XXXX XXXX XXXX XXXX, never sent the page for XXXX XXXX that are required for borrower can review and make accurate information. Instead XXXX XXXX XXXX and Caliber Home Loans , Inc said the never had a contract with the Original Contract ( XXXX XXXX XXXX XXXX ). From XXXX through XXXX XXXX when XXXX XXXX XXXX and Caliber Home Loans Inc did an illegal transfer because there was never a transfer/assign from XXXX XXXX to XXXX XXXX c/o Caliber as new Owners. XXXX recorded in XXXX violates statutes and intentional commits Real Estate Fraud. 

The XXXX instrument is/was illegal and any instruments using that document is intentional fraud, and harassment to Original Contract borrower, Fraud to FDCRA which can only be legal if the Petitioners can verify pet statues they owned my contract. They can not do so and transferrd illegally in XXXX XXXX to XXXX XXXX XXXX. to deflect fraudulent transfer and assignment. 

All who sued me in XXXX XXXX and before have not been able to prove ownership for over 4 years and made the transfer fraudently to XXXX XXXX XXXX which include their partners in real estate fraud. 

Two class action suits against them, because letters automatically sent to " new Caliber borrower from transfer '' intentional done in XXXX ; violations of illegal statutes. 

Caliber, XXXX and XXXX XXXX XXXX. In XXXX was found guilty of charging XXXX Americans and XXXX  higher interest rates was the second litigation intent fraud. 

I have an Order to Foreclose on my property was from XXXX XXXX XXXX. and the other Petitioners which has illegal possession of my deed. It was promised my XXXX in XXXX XXXX, XXXX XXXX. 

Numerous complaints and litigation toward Petitioners sue to foreclose my house as well as others do not have any legal ownership. My legal homestead property is protected from such illegal and fraudulent group repetitive frauds. 

Please retrieve my deed and punitive damages. 

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

Someone stole my credit card then used it fraudulently. I contacted the card user about the fraud. I sent the card issuer an identity theft affidavit & a police report. XXXXXXXX XXXX, the card issuer, is refusing to remove the negative information from my credit report thereby violating the fair credit reporting act.
Product: Debt collection

This is a charge for  XXXX  service, i had cancelled my service with  XXXX  and return the phones, i spoke to a representative by the name of  XXXX  and he advised me that i will not be responsible since i have return my phones, Please remove this inquiry as it is affecting m y credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian and XXXX will not send me a weekly credit report. There are many inquiries on both reports negatively impacting my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

I have been patiently waiting on their answer to the written requests I sent. However, any modes of response or coordination were not taken on their end. Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as misleading information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the erroneous inquiry reporting on my Credit Report : XXXX XXXX XXXX Inquired on XX/XX/2021 2021
Product: Debt collection

AFNI , INC is a debt collector that is attempting to collect a debt that is not mine. AFNI , INC has purchased the debt from another debt collector XXXX XXXX XXXX XXXX XXXX I have never given any information to or signed any contracts with AFNI, INC. AFNI , INC inquiries into my credit file has had a negative effect on all XXXX credit scores and has prevented my ability to apply for a line of credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my personal credit report, which I received through my report on XX/XX/18 XXXX XXXX and I noticed a number of unauthorized inquiries on the report and some are duplicates. 
I contacted XXXX XXXX ( 3X ), XXXX ( 3X ), XXXX  ( 3X ), XXXX XXXX, XXXX XXXX, XXXX/XXXX XXXX XXXX XXXX XXXX ( 3X ), XXXX XXXX ( 2X ), XXXX ( 3X ), XXXX XXXX ( 2X ), XXXX ( 2X ), XXXX ( 2x ), XXXX XXXX, XXXX XXXX ( 2X ) XXXX XXXX, who conducted these inquiries and asked them to remove their credit inquiry from my credit profile. These inquiries should only be appearing once if they are in fact valid. 
I request that you initiate an investigation into all of the above inquiries on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my disputes to be valid, please remove the unauthorized inquiries and send me an updated copy of my credit report at the address listed above. 
If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of the completion of the investigation.
Product: Credit reporting or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by the silence engelhardt. XXXX XXXX ( mo ) XXXX XXXX presume that no proof of the alleged debt. Nor therefore any such debt, in fact, therefore exist, ( please remove this account before I seek litigation for defamation of character. ) XXXX XXXX balance {$6500.00}, XXXX XXXX XXXX balance {$160.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

After submitting a dispute against XXXX XXXX JP Morgan stopped me from opening bank accounts in the US and refused to provide complaint numbers to address my consumer rights being compromised. End result, credit card companies have close Accounts and refused credit limit increases And lower APR as a result of defamation of my character.