23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

I was in a chapter XXXX. The mortgage company did not report my payments which I understand. My chapter XXXX was discharged in XXXX so I disputed the fact that it was not being reported because I had never been 30 days late. The mortgage company reported my payments and there were XXXX past 30 day payments on my report which dropped my credit rating that I have been working so hard to repair.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, incorrect information is being reported to my personal credit file. The XXXX, Equifax and XXXX XXXX XXXX XXXX has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. XXXX, Equifax and XXXX have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit fileXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

JEFFERSON CAPITAL SYSTEMS LLC is reporting a debt that was opened XX/XX/year>, for someone with a similar name the account does not belong to me they are inaccurately reporting on my credit report and per Section 609 of the Fair Credit Reporting Act ( FCRA ) must be DELETED from my credit report.
Product: Credit reporting or other personal consumer reports

Subject : Second Request for Credit Information Correction - Non-Compliance with 15 U.S. Code 1666b and Other FCRA Provisions I am writing to follow up on my previous letter dated XX/XX/XXXX, in which I requested the correction of inaccurate information on my credit report regarding incorrectly reported late payments on myXXXX XXXX XXXX XXXX XXXX XXXXXXXX - This is paid as agreed and should not be reporting negatively on my report.To date, I have not received confirmation of the correction nor observed any changes in my credit report. 



As stated in my previous correspondence, according to 15 U.S. Code 1666b, creditors must send periodic statements, including all information required by section 1637 ( b ), at least 21 days before the payment due date. This requirement ensures that consumers have sufficient time to receive, review, and make necessary payments without being unfairly penalized for late payments. 



Additionally, the Fair Credit Reporting Act ( FCRA ), specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files.

Moreover, I would like to refer to the Protection Against Non-Payment of Obligations Act ( PAANL ), which establishes that creditors must ensure timely delivery of statements to avoid unfair penalties to consumers.

Furthermore, under the FCRA, articles 616 and 617 ( 15 U.S.C. 1681n and 1681o ) outline the civil liability for willful and negligent noncompliance, respectively. These provisions provide for damages, including actual damages, attorneys fees, and possible punitive damages, for failure to comply with the Act 's requirements.

The non-compliance with these regulations has resulted in the appearance of late payments on my credit report, which has adversely affected my credit score. This situation is a violation of my rights under the FCRA.

I formally request a reinvestigation of my dispute and correction of any inaccurate information related to these late payments on my credit report. Below are the details of the affected payments : Date of reported late payment : XXXX XXXX / XX/XX/XXXX / XX/XX/XXXX 2019
Product: Checking or savings account

Complainant, XXXX XXXX and wife, XXXX XXXX had and have a home mortgage ; line of credit and bank accounts with Wells Fargo Bank ; Wells Fargo Financial Services and Wells Fargo Dealer Services since 2003. We were abused and lied to by Wells Fargo and Wells Fargo Home Mortgages and Wells Fargo Dealer Services. We independently enrolled in the Wells Fargo Class Action suit. We have yet to receive our remedies and compensation from this settled suit.
Product: Debt collection

Weekly voice mails from AMCOL ( XXXX ) XXXX asking me to call about owed debt. Returned call and will not identify what debt, which organization, service or goods. Told do not call again, but still receive robocalls. First call back to them I asked them to send me copy of this supposed bill. Will not do it. Wanting Date of Birth, SSN, etc. They should have my address and I gave them my email address to send this debt info. They certainly have my phone number.
Product: Credit reporting or other personal consumer reports

I am writing to bring to your immediate attention several items on my credit report that I do not recognize. It appears that my identity may have been stolen, as I did not authorize the accounts in question. I previously raised this concern, and I am now formally requesting that these unauthorized accounts be removed from my report without delay. 

The presence of these fraudulent accounts is causing me significant distress, as they do not accurately reflect my credit history or financial behavior. This situation is severely impacting my ability to pursue key financial goals, such as purchasing a home and supporting my family. 

I urge you to resolve this issue promptly. If the matter remains unresolved, I am prepared to take legal action to protect my rights and ensure this situation is corrected. 

Thank you for your immediate attention to this matter. I look forward to your swift response.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. ACCT Name : XXXX XXXX and XXXX XXXXXXXX. 
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 accounts 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 these 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: Credit reporting or other personal consumer reports

I recently perused a copy of my credit report. It stated that the source of the credit inquiry was the credit inquiries listed below. However, these inquiries were not approved by me. Please remove these questions from my credit report since they make it harder for me to apply for loans and get credit. Kindly forward any supplementary materials you possess about this inquiry. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

Hi, Experian.com changed my login email address to a fraudulent person 's email address and now my credit account is under the monitoring of the fraudulent person which they used to apply for a new credit card a dozen times. I have to call each credit card company to stop the application process and remove the hard inquiry from my credit records. 

I asked the company to change back my login login account and reset the login password by writing them the letter twice. In the letter, I included my driver license, SSN, and utility bill and a requirement to reset the account login username with correct email address. but they ignored my numerous email and mail requests. 

they changed my login email address for 3 years and I am unable to get them resolve this problem. Also, I called and unable to reach any real person to talk. See the attachment. 

can you please help me about what steps I can do?
Product: Credit card or prepaid card

I initiated a dispute about a charge I made that needed to be reversed on XX/XX/XXXX. Since then I have completed the Chase dispute form and together sent with the form all the requested documentation, including names and numbers at the merchant. This hard copy information was sent over night and signed for on XX/XX/XXXX. As early as XX/XX/XXXX emailed the concern and attached all required documentation via a secure email at Chase. As of XX/XX/XXXX I have spoken to 13 Chase agents, including 2 at the Executive Office of the President. I have nine emails sent via the Chase secure email system and screen shots acknowledging each and every one of the emails. The response each day is " We will respond to your message in 24 hours. '' I have not received promised responses. I have been told I can not talk to a manager about my dispute. The disputed charge is significant {$2400.00}, and occurred on XX/XX/XXXX. On XX/XX/XXXX, the moment I realized the charge was an overpayment I reached out, yet I sit here today, with no resolution and no confirmation of how this is going to be resolved.
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing to formally dispute the inaccurate reporting of accounts in my consumer report. It has come to my attention that these accounts were reported without my written consent, which I believe is a direct violation of my rights under 15 USC 1681b. This section of the law specifically protects consumer information and mandates obtaining proper consent before reporting it.

I have already taken action by filing a report with the Federal Trade Commission ( FTC ) and have been assigned a reference number : XXXX. Despite my efforts, I have encountered difficulties in resolving this matter. I have made multiple requests to the creditor for removal of these items, only to receive unsolicited documents that I did not request. My complaint is directed towards your credit reporting agencies, as it is your responsibility to ensure accurate and compliant reporting. 

According to 15 USC 1681c-2, consumer reporting agencies are required to promptly block the reporting of any information in a consumer 's file identified as stemming from alleged identity theft. Therefore, I kindly request that you adhere to this legal obligation and promptly remove the following accounts from my consumer report : Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX I expect these accounts to be removed within the time frame specified by law, which is no later than XXXX business days after the date of your receipt of this letter. Your prompt attention to this matter is crucial in ensuring my consumer rights are upheld.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, in fact exists.
Product: Debt collection

I began to review my credit earlier this year and noticed several inaccuracies. Out of an abundance of concern, I requested that VALIDATION in accordance to the Fair Debt Collection Practices Act be provided to me timely for my personal and legal review. However, after two separate requests made timely for this, the company has failed to provide me with this validation. CONVERGENT IS VERY WELL AWARE THAT A REPRINTED STATEMENT IS NOT A VALIDATION OF DEBT AS I HAVE REQUESTED ON NUMEROUS OCCASIONS. 

The company not only denies me of my rights as a consumer under this act, they also continue to employ illegal practices, reporting tactics to bureaus, and harassment methods via phone and letter.
Product: Checking or savings account

Dear Consumer Financial Protection Bureau, I am writing to seek your urgent intervention in a distressing matter concerning the unjustified closure of my joint checking account with my husband at JPMorgan Chase Bank, N.A. ( Chase ). Recently, we received a notification from Chase stating that our joint checking, savings, and credit card accounts were slated for closure. We promptly reached out to Chase 's customer service representatives on multiple occasions seeking clarification. However, each time we were met with the response that Chase was unable to disclose the reason for the account closure. In an attempt to resolve the issue, we visited a local Chase branch where a banker informed us that only my husband 's name, but not my name, had triggered an alert, and that removing my husband 's name from the accounts would resolve the situation. Acting upon this advice, we promptly had my husband 's name removed from the accounts. Subsequently, we were reassured by the banker that our joint checking and savings accounts would remain active. However, despite the removal of my husband 's name and the reassurance provided by the banker, we received yet another communication from Chase indicating that our accounts would still be closed. This has left us utterly perplexed and deeply concerned about the lack of transparency and apparent inconsistency in Chase 's actions. We were told by a banker in Chase that the alert might have " transferred '' under my name, because the account itself is tagged. Despite our continued efforts to seek clarification and comply with Chase 's policies, the bank has persistently refused to provide any explanation for the account closure. This situation has not only caused significant inconvenience but has also raised serious questions about our rights as consumers and the transparency of Chase 's practices. Therefore, I urgently request the CFPB 's intervention to investigate this matter and compel Chase to provide a clear and detailed explanation for the closure of our accounts. Also, We believe there may have been an error in Chase 's system, and we kindly request that they review this matter and consider reopening our accounts. We are fully committed to complying with Chase 's policies believe that we are entitled to a satisfactory explanation for the actions taken by the bank. Thank you for your attention to this urgent matter, and we look forward to a prompt resolution with your assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been smart rate shopping for a mortgage which has damaged my fico score. I requested in writing that some of the hard pulls be removed.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 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 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card

When I attempted to use my card on XX/XX/XXXX at a coffee shop XXXX XXXX XXXX and it declined. Then I used my other credit card with them which was declined as well. I immediately contacted BOA customer service and I was informed that both accounts were closed. I did not authorize or request this. I contacted customer service by phone and they gave me a different phone number for billing then billing said that a different department handles this and gave me a different phone number. Everyone I spoke to on the phone confirmed that all my payments were made on time so they didn't know why the cards would be closed. I was not informed in advance or afterwards why the accounts were closed. I could not get a hold of the number that was provided and they stated that they sent out a letter but I never received one. They agreed that my payments were made in time and could not provide a lawful reason on why the accounts were closed. I informed BOA that they need to perform their fiduciary duty and open they accounts. They refused ansbarated that they can not do this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm a victim of identity theft. I've been attempting to recover the damage and resolve the issues on my credit report by calling, faxing, and uploading the required documentations to the bureaus as requested by their agents. But the issue is that the website never completely lets me finish the account setup with usual errors ( ie " failed security check '' or " site error, try again '' ) on multiple occasions. Contacting IT department of the bureaus lead to nothing as the agent would " open a ticket '' and no resolution was reached. When the site actually does let me make an account, I can't submit any disputes due to further glitches and contacting XXXX again leads to nowhere. Last option remains to call their representatives and proceed to dispute through that but when I do call, the reps are too lazy to even properly initiate any disputes. FTC and police report numbers are not taken over the phone and are asked to mail instead. Even after mailing the said documentations over and over again via certified mail and having proofs that the bureau received it, the agents keep denying the receipt and keep hindering my attempts to fix any and all attempts to resolve this drastic information leaks on the bureaus end.
Product: Mortgage

Coming out of Chapter XXXX Bankruptcy XXXX 2015. Instructed by XXXX. that Bankruptcy satisfied and mtg. payment should be paid to mtg. co. starting XXXX 2015. Mtg. payment madeas scheduled and in XXXX 2015 loan turned over or bought by new servicing co. where mtg. payments will start to them in XXXX 2015. Mtg. payment made to new servicing co. and I find out that prior servicing co. turned over a {$5000.00} delinquency. I have provided all the court documentation from the Bankruptcy and copies of all payments made after Bankruptcy closed and am now going into month 4 with current mtg servicing company and the " 5 year requested audit I made in writing to them and XXXX '' has yet to be completed. I was told by XXXX that their our time limits for them to comply. I was also told that the prior servicing company had no obligation to submit their documentation to XXXX. I am writing to your agency to stop " this blame game '' and get the audit completed. The new servicing company is indicating that I may be responsible for " Fees '' associated with this. Is that correct? How long does the current servicing company have to comply with the audit? The servicing company that fraudulently submitted the arrearage to the current servicing co. is Ocwen Mortgage. The new servicing company is XXXX, XXXX Also, please provide me with specific time allowance for mortgage servicing companies to comply with customer requests. Thanking you in advance.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent account in my report and found that I need to visit FEDERAL TRADE COMMISION or XXXX XXXX XXXXXXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any account listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 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. 

Here is the list of account/items which do not belong to me or were opened without my permission. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/20 Balance : {$650.00}, According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Mortgage

THE COMPANY PNC INFORMED ME IN XX/XX/XXXX THAT I HAD OPTIONS OF GOING FOR MORTGAGE PAYMENT PLAN BUT THE GIRL ON THE PHONE SAID SHE DIDNT REALLY THING THE OPTIONS WOULD BE HELPFUL. SO I DIDNT TAKE IT. ITS ON TAPE. I HAD CALLED TO TELL THEM I WAS OUT OF WORK FOR AWHILE BECAUSE OF XXXX. i TOLD THEM I COULD NOT MAKE FULL PAYMENT EACH MONTH. SHE SAID MAKE AS MUCH AS YOU CAN. I DID. I CAUGHT UP. BEEN PAYING EVER SINCE. CHECK MY ACCOUNT. ENDING IN XXXX HELOC LOAN. ITS ALL ON RECORD. WHEN I CALLED TODAY TO ASK ABOUT H.OW IT WORKS GOING FROM A FIXED TO VARIABLE SHE SAID I CANT DO IT BECAUSE THEY SUSPENDED MY DRAW PRIVILEGE. I ASKED HER WHEN. SHE SAID ITS AT THEIR DESCRETION. CHECK THE TAPE. THERE APPEARS TO BE NO SOLUTION EVEN IF I WROTE AND REQUESTED AGAIN. I ALREADY DID SO..THEY DENIED IT AGAIN AND AGAIN. WITHOUT REGARD TO A REASONABLE SOIUTION THEY SAY THEY ARE ALLOWED TO KEEP ME A FIXED RATE IT SEEMS FOREVER.