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

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these inquiries. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiries : XXXX || Date of inquiry : XX/XX/2023 XXXX  || Date of inquiry : XX/XX/2023
Product: Mortgage

Again I come with the continuinf complaints against Ocwen and  XXXX   XXXX .   yesterdays complaint by you came in part from my complaints, I have a hearing on  XXXX   XXXX  where  Ocwen a nd  XXXX   XXXX  will try to sell the home from a bogus orde r in  XX/XX/XXXX  that the  court can dismiss or this complaint of yours can help.i am filing a copy to the court today, but can you aid me in this as I am the guy who helped create your office.The  XXXX  loan was a fraud, and the dox went into  XXXX  trusts! they are RICO and want help
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian, XXXX XXXX, XXXX disputes were submitted regarding an account with XXXX Bank back in XXXX. I sent a letter directly to XXXX in XXXX I never received any response from the credit bureaus or XXXX. account reference # XXXX reflects a charged off account with a balance of {$2200.00}. This vehicle was sold back in 2019 I do not owe any balance nor is the account charged off. I have tried aimlessly to have this account correct to no avail.. no response has been received I need this account corrected as it is preventing me from obtaining my home loan.
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, CA XXXX XX/XX/XXXX US DEPT ED XXXX Balance : {$0.00} DEPTEDXXXX XXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This compliant is being filed in response to complaint # XXXX XXXX, XXXX, and XXXX. Each other the companies in this complaint has violated the 30-45 day investigation results rule. They responded on XX/XX/2021 that they needed more information such as full name, and full SSN. I provided them with both, redoing my first dispute letter to include my full name and SSN. I have not received an answer to the date of me sending out the new dispute letter. I Feel like I am being played all 3 bureaus are committing fraud against me, and giving me the run around now that i have caught it. If the problem isn't fix this I will have to take legal action, as is my right.
Product: Credit reporting or other personal consumer reports

I am reaching out to due to a form of identity theft. 
This account is not mine. As a consumer, I am aware that if I didnt give permissible purpose for XXXX XXXX XXXX to report this account & it was done without my consent & is a form of identity theft per the law. If you fail to delete this account, I will have to proceed to taking further action. 
This account is not mine & needs to be deleted. 

XXXX XXXX SER - XXXX Last XXXX digit of XXXX : XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/year> and XX/XX/year>, I requested a verification of debt servicing and a request for debt validation for both collection and servicing to be able to report this information to my credit report. On both occasions the following companies failed to validate the debt on all 3 bureaus ( XXXX, XXXX XXXX, and XXXX ) : XXXX XXXX XXXX XXXX  Upgrade , INC These three companies are reporting inaccurate, incorrect, and invalid on my credit report to provide information that they are not legally allowed to report information to my credit report pursuant to the following statutes : 15 US Code 1681 ( 4 ) 15 US Code 1681 ( A ) 15 US Code 1681 ( E ) 15 US Code 1637 Per the laws and regulations stated above, these items must be deleted from my credit report within the next 7 days.
Product: Credit reporting or other personal consumer reports

DEBT VALIDATION ASKING FOR SIGNED CONTRACT, ACCOUNT CHARGED OFF SHOULD NOT BE REPORTING A BALNCE OR NEGATIVE INFORMATION
Product: Credit reporting or other personal consumer reports

This letter is my formal written request for you to investigate the following " Unverified '' accounts listed below : According to the Fair Credit Reporting Act, 15 U.S.C. 1681 your company is required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report to assure maximum accuracy. Without proper verification by your company, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see a copy of the Verifiable Proof ( an original Consumer Contract with my Signature on it ) that you used to verify that the account belonged to me the first time you reported the account on my credit report. Your failure to properly verify these accounts has hurt my ability to obtain credit. Under the FCRA 15 U.S.C. 1681, unverified accounts must be promptly deleted. If you are unable to provide me with a copy of the verifiable proof that you have on file within 30 days for each of the accounts listed below then you must remove these accounts from my credit report. Please provide me with a copy of an updated and corrected credit report showing these items removed. 

I demand the following accounts be verified or removed Immediately. 

XXXX XXXX XXXX XXXX # XXXX
Product: Debt collection

We 've made numerous attempts to have this company validate the debt. They have failed to provide any valid signature which is required by law. We are now filing a lawsuit.
Product: Credit card or prepaid card

I received a notice from XXXX  that Synchrony bank increased my credit card limit from {$6000.00} to {$8500.00}. I never requested this nor do I want it. I asked them to reverse it but I dont trust them. I want my limit back to {$6000.00} and my account noted to NEVER change my credit limit without permission.
Product: Checking or savings account

On XX/XX/XXXX my club was hosting charity giveaway to Women with children that were having financial hardships. XXXX XXXX sent me {$2500.00} to my XXXX XXXX that in turn went into my Bank of America account ending in XXXX. I started sending the cash payments to the women ranging from $ XXXX {$1000.00}. After the first 5 successful payments sent, my card was declined from Bank of America. I called into the bank and spoke with the fraud department and risk management informing them, that I was the one using my debit card ending in XXXX and it was not fraud, each time I called ( 9 times ) confirming that it was me and verifying the payments I had already sent, Bank of America froze my account. When I called in the next day, they informed me that my bank account was being closed, this was on XX/XX/XXXX. The fraud department could not give me an explanation and would not give me the funds. I called on XX/XX/XXXX and I was informed by the representative that there was confirmed fraud that I was aware of with the {$2500.00} that was sent by XXXX XXXX, I in turned conferenced in XXXX XXXX and the Representative changed his veribage and stated that it was still being investigated, which was not what the Representative told me, the call was recorded. On XX/XX/XXXX XXXX deposits from my employer XXXX XXXX  of {$5100.00} and {$7100.00}, Bank of America will not allow me to receive my payments from my employer. I'm type XXXX XXXX and XXXX, i take medications daily to live. I informed the bank of this and also informed the bank that all of my bills are do. They will not release my money. They are deciding to end the relationship, that is fine. But they have not right to keep me from paying for my medications or paying my bills making me late on my Mortgage and others bills. I feel because I'm XXXX American they treating me unfairly and are discriminating against me and trying to destroy my good name. Please have the release my funds to me ASAP. I can not wait until XX/XX/XXXX.
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 Experian and XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). 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 : OK STUDENT LOAN AUTHOR XXXX Balance {$900.00} XXXXXXXX XXXX  XXXX XXXX Balance {$8500.00}
Product: Debt collection

They continue to call my work after I asked them not to. They are rude and said it was a claim against my social security #. Then the next day it was a recording with my name on it. And today they spoke to someone at my work asking for verification of my employment and the fax #. Then they said they will send someone over there to hand deliver. I already spoke to them and told them I do n't have {$9800.00} to pay them and to send anything to my home address.
Product: Debt collection

They called me last week and when I answered, I told them to do not call me anymore and to send something in the mail. I have yet to receive anything and they keep calling from multiple numbers.
Product: Credit reporting or other personal consumer reports

Trying to buy a house. I found that I realized I had damages on my credit report. This is a defamation to my character. XXXX XXXX XXXX XXXX XXXX has been placed on my credit report to intentionally and fraudulently hurt me and my credit report. I have disputed this collection several times with the XXXX, XXXX and equifax credit agengies but it has came back as verified on XXXX and equifax but XXXX deleted as they should have. this is not my debt. I've requested that the creditor send me the original contract to prove this debt to be mine. All of my request have gone unanswered. I have not been supplied the doctrine of estopper by silence, egnlehardt v graven ( mo ) 281 sw, 251, 719, 1 presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. This is holding me back from moving forward in life. In no way can this debt be mine. I have not used this company. I have no addresses, phone numbers, or accounts tied to it. It is also reporting as an open charge off account from 2 years ago with recent activity. as of XX/XX/XXXX on XXXX and the last activity on equifax is on XX/XX/XXXX. the date opened on both is XX/XX/XXXX no account details or history on either agency with no term source type. this is fraudulent. on XXXX Account details Account Number XXXX Date Opened XX/XX/XXXX Last Activity XX/XX/XXXX Original Creditor XXXX XXXX  XXXX Monthly Payment {$0.00} Term Source Type Current Rating Collection/Charge-off Status Open Type Individual High Balance {$560.00} Unpaid Balance {$560.00} Highest Adverse Rating Collection/Charge-off Most Recent Adverse Rating Collection/Charge-off Comments Account Information Disputed By Consumer Account details No History Is Available. On equifax it says Account details Account Number XXXX Date Opened XX/XX/XXXX Last Activity XX/XX/XXXX Original Creditor XXXX XXXXXXXX Monthly Payment {$0.00} Term Source Type Current Rating Collection/Charge-off Status Open Type Individual High Balance {$560.00} Unpaid Balance {$560.00} Highest Adverse Rating Collection/Charge-off Most Recent Adverse Rating No Data Available Comments Account details No History Is Available Collection agency XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Account ID XXXX XXXX No has responded or sent me a validation letter Nothing ties me to this account. 
Again this is a Violation of 15 U.S.C. 1681i ( 5 ) removal of all inaccurate/invalid credit. Please remove immediately
Product: Mortgage

I had a mortgage through Chase Bank. I sold the house in XX/XX/XXXX through a title company and realtor. Chase did not apply the funds to the account appropriately, so the account remained active and open. I realized this in XX/XX/XXXX. After a large number of attempts to resolve the issue via phone, fax, email, in person, attorney, etc., the account was finally closed in XX/XX/XXXX ; however, Chase damaged my credit score throughout the 16 month process since they showed the home in foreclosure. They closed the account without me making another payment on the house since XX/XX/XXXX. Chase owes me money out of the escrow account, an apology, and a repaired credit score as I am being turned down for credit I would otherwise get if they had carried out their fiduciary responsibility.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX & Equifax used and sent out my Records without my consent, I have multiple hard and soft inquiries that I did not approve on my account.

No action was taken on my side because I hold no authority but you guys do.

I Have Hospital debt that goes through the roof and all I did was sit in the lobby. 15 US Code 1681 B- a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. 
( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
Product: Debt collection

I received a call from XXXX, they left a message. I called back and they stated that I owed over 1100 for a {$500.00} loan that was taken out in 2014 from the company Instaloan. I told them that I never had a loan through there and they insisted that I pay to avoid legal action taken against me or it affecting my credit. The asked if I had a XXXX account and was it always the same. I only stated that it was not the one that they provided. I called Instaloan and they stated that they had no record of me ever having a loan and the only way that I could do so if I lived in Georgia or Florida which I have never lived there.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, Recently I was trying to open a checking and savings account with one of the largest banks in the United States of America and surprisingly I was denied. 
This is the issue. To give you some background about my finances by protecting the fine details about the same. I am a full-time XXXX with a very stable financial control and I have a credit score of about ~780 ( I checked all the 3 major credit bureau on the day I went to the bank ). When I went to bank-1 I was denied the checking/savings account and I thought they might not support the state/county I was living in. So, I went to bank-2 which was local to my county, and THEY DENIED it as well. However this bank provided me with the credit score which was being reported as XXXX and I was asked to contact a company called XXXX from the bank for more details and they denied my new account. 

That was the first time I heard about this company XXXX and I filled out a form on their website to get a credit report and my credit score, and they reported ~XXXX. and the 2 reasons they gave was, 1.  Few accounts on file 2. NON-derogatory remark present on file. To be fair, # 1 is correct. However I was curious to know what the # 2 was. So I filed a disputed to explain what # 2 was and received same incomplete info which was similar to the credit report they had sent me earlier and they did NOT explain what was the non derogatory remark were they talking about. 

Being stuck in the middle of these organizations, I had got though emotional roller coaster for not understanding why all the 3 major credit bureaus had 780+ scores and this XXXX had in XXXX and then XXXX. So XXXX mentioned if I had any question regarding any of the contents in the report, they redirected me to another organization called LexisNexis organization. and when I checked with them regarding why my score was so low and what was the NON-derogatory remark, they had no clue what it was and that is when I realized something fishy is going with the XXXX and that why I am reaching out to you. 

I am attaching all the necessary documents to support my case.
Product: Debt collection

I am writing to file a formal complaint against Caine & Werner for multiple violations of federal laws, including the Fair Debt Collection Practices Act ( FDCPA ), the Fair Credit Reporting Act ( FCRA ), and other applicable laws. 

Details of the Complaint : 1. Unfamiliar Debt Collection Entry : On XX/XX/year> I noticed a sudden and unexpected collection entry for {$170.00} from Caine & Werner on my credit report. 
I have never conducted any business with Caine & Werner. 
I was never notified of any debt allegedly owed to Caine & Werner. 
2. Failure to Verify Debt : Caine & Werner made no attempt to verify the alleged debt in accordance with the FDCPA, specifically 15 U.S.C. 1692g ( b ). 
There was no communication from Caine & Werner regarding this debt before it appeared on my credit report. 
3. Negative Impact on Credit : This erroneous collection entry has negatively affected my credit score. 
The presence of this unverified debt on my credit report has caused financial and reputational harm. 
4. Violation of Privacy : If Caine & Werner purchased this debt from another party, it constitutes a violation of my privacy. 
According to 15 U.S.C. 1692c ( b ), I did not give permission for my personal information to be shared or sold to a third party. 
5. No Contractual Obligation : I have no contractual obligation to pay any debt to Caine & Werner. 
As I have no agreement with this company, their actions are both unfounded and illegal. 

Laws Violated : Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq. : Violation of 15 U.S.C. 1692g ( b ) for failing to verify the debt.

Violation of 15 U.S.C. 1692c ( b ) for unauthorized sharing of personal information.

Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. : Violation of 15 U.S.C. 1681s-2 ( b ) for furnishing inaccurate information to credit reporting agencies without proper verification.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX Bank 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: Credit reporting, credit repair services, or other personal consumer reports

Please see attached identity theft report detailing that I have identified information on my reports that are a result of identity theft. These items are not related to any transactions completed by me
Product: Credit reporting, credit repair services, or other personal consumer reports

While going through preliminary divorce proceedings, once my name was removed from the mortgage, my credit score dropped by over 30 points. And, I am assuming, my score will take another hit once I apply for a mortgage ( hard inquiry ), and yet another one when I obtain a mortgage. How is this a fair practice for someone who pays their bills and manages their debt responsibly? If I go to buy a car right now, or even apply for a mortgage now, this decrease may disqualify me from a better percentage rate. I first observed this change today on Equifax through my credit karma account. I reached out to Equifax but was merely given ways to read about what things impact my credit score, and links to articles on how to increase your score. I am asking for a reversal of this decrease, given the fact that the change that precipitated the decrease was not from a derogatory act.
Product: Credit card or prepaid card

We received our collected mail from the post office today, after having been on vacation for about 11 days. In the mail was an unsolicited credit card from Chase, called the " XXXX Rewards Visa Signature Card ''. The card did not have my full name on it, just my first and middle initials and last name. I never applied for or in any way requested this card. I called and reported it to Chase immediately and spoke to XXXX in their Security Fraud Division who says she has closed the account and will investigate. However, she could not give any confirmation number or other means of confirming that I had reported the issue and that this unsolicited account is in fact closed and that it will not affect my credit. 

This seems to be a likely case of identity theft but also a case of Chase issuing credit cards without proper checking of identity and then not handling the aftermath in a way that makes the violated consumer whole. In this time of rampant identity theft it seems highly negligent to issue a credit card without even knowing the first name of the person.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding XXXX handling of credit inquiries on my credit report. Specifically, I have noticed that a single inquiry from XXXX XXXX XXXX XXXX XXXX XXXX XXXX on my report. This repeated listing has negatively impacted my XXXX XXXX and does not accurately reflect my credit activity. 

I have contacted XXXX to dispute these duplicate inquiries, but I have not received a satisfactory resolution. Given that XXXX is currently involved in legal proceedings regarding similar issues, I am concerned that this matter is part of a broader pattern of inaccuracies and consumer rights violations. 

I am requesting that the CFPB investigate this issue and take the necessary steps to ensure XXXX corrects my credit report by removing the duplicate XXXX XXXX inquiries. Accurate reporting is essential to maintaining the integrity of credit files and ensuring fair treatment for consumers like myself.