23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX and TransUnion credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : DPT EDXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$3200.00}, DPT EDXXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$2900.00}, DPT ED/XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$2300.00}
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 DELETE all information which can not be verified. Section 616 and Section 617 provide me with a remedy that Im about to seek. You are willful 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. Please delete the account, or inaccurate information, from my file immediately & send me the results to the address. 

XXXX XXXX  XXXX
Product: Debt collection

I was a victim of identity theft as a result of being homeless and did not have a physical address in 2013. Numerous accounts were open without my permission. The creditors call and harass me daily for debt. I explained that those debts were not mine. They sent me incomplete billing info with inaccuracies. I was also told by the credit bureaus that my personal data was breached from the credit bureaus and I am still fighting that. I hired a credit repair company to help me with these disputes, as I am new to this. They are not cooperating and stated that they are willing to take a settlement. I don't know what else to do so I am finally coming to you guys for some guidance please.
Product: Mortgage

Here is the issue ... there was apparently not a complete inspection done on this house, as after i closed on the house I fount that the appliances that came with the home did not work, and there was a lot of things still left incomplete construction on this home and then on XX/XX/XXXX the homes price went from XXXX to XXXX during the time I was in closing on the home and they never lowered the cost of the mortgage at all during that time and still charged me XXXX for a home that was not worth that price as the home had lowered in cost not to mention the broken appliances in the home and the unfinished work in here. tHEY ALSO NEVER DISCLOSED THE FACT THAT THE HOME WAS FLOODED AT SOME POINT and they did try to hide this fact with paint on the interior of the home. they never told me that I could get an independent appraiser for the home and did not tell me I could get my own realtor either. They kept the home on the market the entire time I was purchasing it and only recently did they change that to pending sale and I have already closed on the house. I have written to the realtor involved about the broken appliances and the water damage as well and he just brushed me off and said I should be grateful to own my own home. I just closed on this home on XX/XX/XXXX and I need help for this situation ASAP! I lost a whole lot of money by buying this home since my mortgage loan is XXXX, and the home is only worth XXXX and actually less than this as there are many many things wrong with this house.
Product: Payday loan, title loan, or personal loan

I had an injury to my XXXX  and needed time off that wasn't covered by sick leave and so am having financial issues, my bank stopped payment on the loan, I did not request a stop payment. Advance America has been calling everyday, sometimes twice. Due to financial difficulties I am in between phones now. I sent in via their email delivery system, that I needed an payment plan sent to me through email to start repaying the debt. They have now started calling my work place, I am uncomfortable discussing my debt at the work place. They have called once XX/XX/22 around XXXX and then again around XXXX. They were informed by our front desk to contact me via email. The woman responded that she has no way to do that. I have already asked them via email to cease and desist phone contact and prefer email. This seems to be harassment since they are contacting me at work. 
Also their repayment schedule makes no sense. All of the payments vary and are never the same which makes budgeting very difficult. Their interest is also absolutely ridiculously high and seems to fluctuate based on what they want to charge you for that period. They present you with an initial repayment schedule but once you start paying it off it disappears, the payments never seem to have an end date and can go on as long as Advance America deems appropriate. They take advantage of those in financial crisis. The in-person team I worked with before always seemed helpful but now that it's online it seems very deceptive.
Product: Credit reporting or other personal consumer reports

I amwriting to delete the following information from my file. The items I deleted are listed in the report I am a big team of identity theft and I did not make the charge. I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the federal tray, commission identity, theft, affidavit. 
Please delete this items as soon as possible
Product: Mortgage

My loan appeared to be transferred or sold to another servicer, and I was never notified in advance. In addition to this, I can not get in contact with a real human being at Amerihome Mortgage to talk about this.
Product: Debt collection

Dispute capital one for {$750.00} on XXXX XXXX because the account was paid off and they just opened a new collection. Also I am being charged twice for medical bills
Product: Debt collection

I have requested at least 3 times over the past 3 months for a wet ink signed contract showing that I have an obligation with Midland Credit Management. They have not provided a contract with my wet ink signature or any contract for that matter. I am disputing this debt. XXXX XXXX discharged the alleged debt in XXXX 2023 which means it was paid off. Midland Credit Management XXXX Inc. apparently purchased this debt and is attempting to collect this debt when I have no contract with them and it was already discharged by XXXX XXXX. Midland Credit Management , Inc. is sending notices to me threatening legal action if I do not pay them. Since this debt is being disputed, they are required to cease and desist their collection efforts, which they have not and I know this is a violation of the FDCPA. I can only assume they are attempting to commit fraud by harassing me and forcing me to pay them.
Product: Debt collection

XXXX, XXXX XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX WAKEFIELD & ASSOCIATES , Reported : XXXX. XXXX, XXXX - {$1000.00} Needs Attention Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious WAKEFIELD & ASSOCIATES, Reported : XXXX. XXXX, XXXX - {$1000.00} Needs Attention I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, Case No. XXXX, in the U.S. District Court for XXXX XXXX XXXX XXXX California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC XXXX XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This isn't credited I signed for or approved an inquiry on.
Product: Debt collection

DEBT COLLECTION COMPANY IS REPORTING INACCURATE INFORMATION OF A ALLEGED DEBT THAT IS NOT MINE. THEY HAVE NOT RESPONDED WITHIN 30 DAYS WHICH IS A VIOLATION AND HAVE NOT PROVIDED ANY CONTRACT BEARING MY SIGNATURE CONNECTING ME TO THE DEBT. ALSO I NEVER SIGNED A HIPPA REQUEST FORM SO THEY ARE VIOLATING MY HIPPA RIGHTS REPORTING THIS ALLEGED MEDICAL DEBT TO MY CONSUMER REPORTS.
Product: Credit card

I made a monthly gym membership purchase on my Chase Freedom credit card on XX/XX/year> for {$XXXX} because Chase advertised XXXX  % cash back for gym membership purchases, but Chase only credited me with XXXX  % back. I reached out to their customer support over XXXX XXXX but they refused to do anything. They even claim Membership Clubs ( Sports, Recreation, Athletic ) [ ] isn't in the eligible rewards category of " XXXX XXXX and XXXX memberships. Thats completely nonsensical! Their redacted reply is below : Thank you for contacting Chase. We value your time and take this opportunity to assist you with your inquiry about rewards on your account ending in [ XXXX ]. XXXX XXXX XXXX XXXX, XXXX  is categorized as a " Membership Clubs ( Sports, Recreation, Athletic ), Country Clubs and Private Golf Courses '' with XXXX and XXXX. This is why the bonus points you were expecting to earn did not apply. [ REDACTED NAME ], we're unable to make any rewards adjustments to your account because this merchant isn't in the eligible rewards category of " XXXX XXXX and XXXX memberships.
Product: Debt collection

AFNI IS TRYING TO COLLECT A DEBT THAT ISNT MINE FOR XXXX DOLLARS ON BEHAVE OF XXXX XXXX XXXX. I HAVE NEVER HAD ACCOUNT WITH XXXX XXXX.
Product: Credit card

Capital One has charged two hard inquiries to my credit report stating someone tried to open a card in my name the first time on XX/XX/XXXX and the second time XX/XX/XXXX. I called capital one and the credit bureau and tried to dispute this problem both times. i have put extra protection on my identity following this second time of this happening. On the credit site these were both filed under a incorrect name and phone number for me but still dinged my credit both times. I have never applied for a credit card nor do i have any in my name that i am aware of.
Product: Credit reporting or other personal consumer reports

I've been a victim of Equifax XXXX  XXXX XXXX. Recently discovered some account that has been fraudulent acclaim using my personal information. Equifax has knowingly & willfully Section 1681n - Civil liability for willful noncompliance & violated FCRA 1681c-2. Must comply under FCRA Section 605b Blocking information resulting of identity theft. 

Accunt referenced : XXXX XXXX XXXX FCRA 605B ( 15 U.S.C. 1681c-2 ) ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt by such agency of ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
( b ) Notification. A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a ) of this section ( XXXX ) that the information may be a result of identity theft ; ( XXXX ) that an identity theft report has been filed ; ( XXXX ) that a block has been requested under this section; and ( XXXX ) of the effective dates of the block. 

ACCOUNT REFERENCE : XXXX XXXX XXXX
Product: Credit card

I need to inform you that I have fallen victim to identity theft. I am disputing this account since this was opened without my knowledge, consent, or authority, and I hold no responsibility for it. Upon reaching out to the respective companies, I was directed to file the FTC affidavit accessible on the identitytheft.gov website. 

COMENITYBANK/VIC TORI XXXX XXXX
Product: Credit reporting or other personal consumer reports

I noticed unauthorized inquiries on my credit report that I would like removed. According to the FCRA, these unverified and unauthorized items must be removed.
Product: Credit reporting or other personal consumer reports

Around last XXXX after being released from hospital I Was Victim of Identity Theft.. Accounts were Not Authorized By Me & Are Fraudulent. I sent all three credit bureaus certified letter via United States Postal service. Enclosed in that letter was the following information : Copy of identification : Copy of correct address : Copy of utility bill : Request To update correct address : Request To delete multiple names : Request to remove fraud statement to contact None Were acknowledged .... 

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies U.S. Code Notes prev | next ( a ) Duty of furnishers of information to provide accurate information ( XXXX ) Prohibition ( A ) Reporting information with actual knowledge of errors 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 
( C ) No address requirement ( D ) Definition For purposes of subparagraph ( A ), the term reasonable cause to believe that the information is inaccurate means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of the information.
Product: Mortgage

America 's Servicing Company ( ASC ) is trying to pull another fast one on me. About the end of XXXX 2016, I received a letter from XXXX XXXX, Senior Vice President of ASC. Basically, the letter stated that my mortgage would be going to a new company called XXXX on XXXX XXXX, 2016. Which is the reason I contacted CFPB in the first place. Anyway, since the communication began between myself and XXXX XXXX, XXXX at ASC, his main concern has been for me to call the XXXX people and start sending my payments to them. XXXX XXXX is very disturbed that I will not do it. What happened to the mortgage servicing transfer process? I have not received a servicing transfer notice yet. I have no idea what the effective date of transfer is. As I said, I have not heard from XXXX. I mean, has the transfer of ownership even been recorded on public record? This not being honest with consumers, is a major problem within America 's Servicing Company. They make their own rules. Thanks so very much CFPB staff for being here for America. 
ASC is also cheating me out of my XXXX Modification Loan. The first page of the Amortization Schedule shows what I should be paying right now. Look at the mortgage statement XXXX 2016. XXXX XXXX, is trying to send me to XXXX paying {$740.00}, when it should be paying less.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent multiple letters and complained to the CFPB once prior, this is my second attempt w/ CFPB and I have sent 4 dispute letters to the bureaus in regards to accounts that are not mine. The bureaus have provided ZERO evidence showing that the accounts were opened up by me. These are not my accounts and I am tired of this nonsense. These accounts have not come off my report .... 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX There are also inquiries on my credit report that are not mine, you will see in the attatched documents all the legal information and documentation that has been sent to XXXX, Experian, and XXXX. I am hoping that this doesnt become a legal matter. I have a legal team ready to protect my rights as a consumer and if this doesnt get resolved quick I will have to become litigious.
Product: Prepaid card

On XXXX I went to a XXXX XXXX  authorized dealer to sign up for their advertised home internet for {$50.00}. I was told that the company couldn't honor the advertised deal because of the remote area that I live. I was offered an alternative deal ; I could try the limited amount of internet for {$100.00} a month for 3 months. If I wasn't satisfied, I could return the router for a full refund. After 2 weeks, I had used all data. I attempted to return the router to go wireless ky aka XXXX by XXXX. During the 4 weeks I had the router, my wallet was stolen and I was issued a replacement card from cash app. Because the card was not the one used during the initial purchase, the merchant told me that they were unable to refund the money. I asked them to just refund cash because they already had received the money from my bank. They said that their system wasn't set up to provide refunds in that manner, and suggested I file a dispute with my card issuer. I was on the phone with my card issuers customer support when the merchant suggested this. I contacted XXXX directly via chat, who also recommended that I file a dispute. I screen shorted the entire conversation and sent it in with my dispute. My dispute was denied in less than 24 hours. When I requested documents that led to denial of dispute, the first 2 times I was ignored. The 3rd time, I was emailed a paper that only stated " an investigation into submission shows this was authorized and no error occurred. " I was provided a little chart that showed I had paid with electronic device. I had paid with my phone, but the fact that I had authorized the purchase initially had nothing to do with my dispute. When I called customer support, they claimed there was no way to contact dispute resolution except email, but when I attempted to email the dispute team back I was given a no reply auto message.
Product: Credit reporting

Hello, Transunion is reporting information in error via my consumer reports as follows and it has not been resolved : 1. XXXX XXXX XXXX, Current and paid as agreed XXXX. XXXX, {$240.00}, Paid directly to hospital ( XXXX XXXX XXXX ) and to be removed as error per XXXX in Billing.
Product: Debt collection

JP Morgan Chase repeatedly calls my phone number looking for someone who has not lived here for XXXX years. 

I have told them to stop calling me, but the calls persist. 

Most recently, JP Morgan Chase called four times today alone : at XXXX XXXX, again at XXXX XXXX, again at XXXX XXXX, and the fourth time at XXXX XXXX. After the fourth call today, I requested the name and ID # of the caller. His name is XXXX, ID # XXXX. I also told an Account Supervisor named XXXX, # XXXX of the repeated phone calls and JP Morgan Chase needs to stop harassing me. 

They call me repeatedly. They call frequently. They called me four times today alone. They say they are going to take the number off their list but they don't do it, and the calls continue. 

I am not the person they are looking for. They are repeatedly harassing me. I want this harassment to stop. I do not want them to ever call me again. 

Note : all the calls today came from phone # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX BANK XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, XXXX  Account # XXXX, XXXX  XXXX, XXXX, XXXX Account # XXXX, 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 a account without my written instructions.
Product: Checking or savings account

On XX/XX/22 there were two wire transactions that were frauduently made on my business savings account with Wells Fargo. One in the amount of {$2000.00} and the other {$23000.00}. The fraud was reported to WF within literal minutes and technically before one of the two transactions was iniated. WF did nothing to secure funds, freeze the account, flag the account, or take any immediate action when this was reported. Due to this the 2nd transaction went thru. A recall was not initated for these funds until more than 24 hours had passed. All the while stating they were going to send a recall immediately and promosing that they would get to work on it immediately. Their neglegance has been brought to their attention yet they refuse to refund the money after their late recalls were unsuccessful. A report with law enforcement agency has been filed but investigation outlook is not promising.