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

Specifically, after having provided a copy of my social security card to Experian, after having provided a letter of verification of social security number, and name that appears on those documents, by what legal authority does Experian or a creditor have to report differently. The name on my social security card, having been the number upon which reports are given, and maintained is the only name and number authorized. 

In specifics, The XXXX XXXX card issued and used was created under social security number XXXX, this isn't my social security number, regardless of the created association created by the lender. Secondly the card was created and used from an address, after I had left that address totally. 

In referece to the reported bankruptcy, Experian created a situation for verification, and if not for that creation, there would be no verification. Specification is this, unless Experain can provide some legal method of verification the names they have created, I ask them to remove them immediately, and by removing their created names that don't verify with my social security number, then the items specified in this document will not be verfified, and thereby there isn't a complaint to be had. Their verification is important because it will show they create situations to verify and verification doesn't happen by virtue of the truth in reporting. Seemingly Experian only understands litigation to correct their behavior, which Is my next step.
Product: Credit reporting or other personal consumer reports

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

I have requested verification and proof of the bankruptcies listed on my credit report and they have not provide any. Went through the process to have these removed and still they have not removed them, they are not allowed to list these according to fair credit reporting act. Also hard inquires were made by dealerships multiple times without permission they would not remove them.
Product: Checking or savings account

I opened a Sapphire Checking and U-Invest Brokerage account with Chase a few weeks ago. I was able to open the checking account online successfully and transferred {$75000.00} to it. A few days after, I opened a U-Invest Brokerage account online. However, Chase locked me out of my account after doing this. They withdrew all {$75000.00} from my checking account and held it for review for over 2 weeks. They had me come into a local branch to verify my addresses via a debit card and my license. Even 3 days after verifying my address, they have still said my account is under review. I have no idea where my {$75000.00} is, and at this point it's been held by Chase for over 2 weeks. They have also given me NO explanation for why they are holding it, with no written notices mailed or emailed to me. Even after spending over 3 hours of work time on the phone, they have not provided any details. 

XX/XX/XXXX - Opened Chase Sapphire Checking account XX/XX/XXXX - Initiated transfer of around {$20000.00} from XXXX to Chase Checking XX/XX/XXXX - Initiated transfer of around {$55000.00} from XXXX to Chase Checking XX/XX/XXXX - Tried to open Chase U-Invest Account XX/XX/XXXX - U-Invest opening denied XX/XX/XXXX - Locked out of my Chase Checking account. Was emailed that a notice was posted on my Chase account online. But I can not access the account ... 
Around XX/XX/XXXX - Called Chase. Verified SSN. Was told my account was being closed, my relationship with chase terminated, and given no explanation. Was told to go into a local branch to verify my address. Wasted an hour. 
XX/XX/XXXX - Went to branch. Banker verified my address but could not explain why my account was closed. Wasted over an hour. 
XX/XX/XXXX - Called Chase again and verified SSN again. Spoke with 4 different departments. Told that my {$75000.00} was still being held and has not yet been processed for release. Still no explanation. I threatened to file a complaint with the CFPB for this behavior. 
XX/XX/XXXX - Filed this complaint. Checked my chase account online for any letters, but saw none. Checked my mailbox for letters, but saw none. No explanation provided by Chase for holding {$75000.00} for over 2 weeks at this point. They have me a case number to follow, but it's unclear what this is for ...
Product: Payday loan

This debt is XXXX and has been paid. It is illegal to sell debts in this manner and try to collect beyond a statute. 
I want this removed immediately
Product: Money transfer, virtual currency, or money service

American express is still sending solicitations to my email XXXX. I asked for business credit card with travel benefits for my trip to california and American Express will not approve. I asked not to be contacted if American Express does not want to do business the way i asked. I filed a complaints, asked to be removed from email and mailing lists. filed a opt out with experian to include all my emails and addresses. I also filed a do not market with XXXX for all names and addresses. American Express refuses to listen to my request for a business travel card, yet keeps contacting me. I want to be left alone and i do not want to be contacted unless i am being approved for the Business Travel rewards card.
Product: Mortgage

Change has switched my loan type from a conventional 30 year fixed to an " interest only '' loan after sitting on my loan for 2 months and 3 days before my rate expires. They are doing this because they no longer offer the original product I was locked into early XX/XX/2022. This is beyond frustrating as we are already in breach of contract due to the ongoing delays caused by change. Change does not reply to any of my communications and they continue to intentionally let my rate locks expire with their tactics. Just last week XX/XX/2022 due to the delays caused by Change XXXX, I was forced into a loan that was 1.15 % higher ( from 5.1 % to 5.75 % to 6.25 % ) than my originally locked loan due to the intentional delays and now they switched the product on me 3 days before the new rate expires. 

I had originally filed a complaint ( XXXX ) with CFPB regarding the malpractice from Change Lending XXXX XXXX Change has been forcing me into higher rates by not providing me with a clear to close. They stop communicating with me every time my new locks expire and then force me into higher rates by telling me " take it or leave it ''. If I leave the loan the seller will sue and I will lose my deposit and any additional damages.
Product: Money transfer, virtual currency, or money service

There were several times where they would not allow transactions or would cancel unexpectedly causing huge inconvenience
Product: Debt collection

Hi XXXX ; Im confused and stressed and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, FL XXXX Subject : Debt Validation Request Dear XXXX XXXX XXXX, I am writing to formally request validation of the debt referenced above. Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I have the right to request full validation of this alleged debt. 

Please provide the following documentation to substantiate the validity and accuracy of this debt : 1. Proof of Debt Ownership : Verification that you are legally entitled to collect on this debt, including any documentation that shows how you acquired the debt from the original creditor or other third parties.

2. Detailed Accounting of Debt : An itemized breakdown of the debt, including the original amount, any fees or interest accrued, and the exact balance due as of today.

3. Original Contract or Agreement : A copy of the original contract or agreement signed by me that establishes my obligation to repay this debt.

4. Full Identification of the Original Creditor : The full name, address, and contact information of the original creditor.

5. Verification of Legal Authority : Proof that your agency is licensed or authorized to collect debts in my state of Florida.

If this debt can not be fully validated as outlined above, I request that you cease collection activities immediately and remove any negative reporting associated with this debt from my credit report, as required by law. 

Additionally, I am submitting a copy of this request to the Consumer Financial Protection Bureau ( CFPB ) for review and documentation. 

Thank you for your attention to this matter. I look forward to your response within the 30-day period outlined by law. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have identified the reporting of the information on my consumer report that are a result of identity theft. these information are not related to any transactions by me. its unauthorized. PLEASE DELETE following REPORTING OF UNAUTHORIZED INQUIRY ... XXXX XXXX XXXX DEALER- XX/XX/year>XXXX XXXX
Product: Debt collection

" NEW ISSUE '' I have completed papers in XXXX District Court in XXXX XXXX XXXX and called Barclay and asked how to serve them papers from the courthouse the Barclay representative gave me a PO Box that doesn't reflect their registered agent office so I can't mail them. I am seeking litigation for violations for neglience under the Fair Credit Billing Act and Truth in lending acts and not honoring police reports in XXXX district court in XXXX for damaging my credit reports and not being able to move due to this and my safety been jeopardized due to criminals knowing where I live.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act 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, has violated my rights. 

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

15 U.S.C. 1681 Section 602 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Student loan

They illegally spoke with my father about the account in XX/XX/2011. He called to get the payoff without my permission, and they gave him details. I was in the process of having the loan discharged for XXXX   XXXX due to XXXX from my father trying to XXXX  me. Instead of taking the check from my grandmother as a payoff ( again it was my information, they had no right to discuss it with him at all ) they applied the payoff in payments and accrued interest. Now they're harassing me and my XXXX yr old grandmother about paying the interest they illegally and unethically accrued. I continue to send in evidence of my XXXX, continue to try to discuss the privacy breach, continue to try to discuss the misappropriation of the payoff, and they continue to call me a liar and harass me.
Product: Checking or savings account

On XX/XX//2023 using XXXX Banks app XXXX wire transferred {$5000.00}. In order to process this transaction I first had to call XXXX and request an Activation Code. In order to get an Activation Code I had to first answer a slew of security questions. Once approved I was given the code and completed my online transaction. Today I was notified by the bank that they cancelled my transaction for security reasons. I once again had to answer questions and once again passed their security procedures. They informed me I woukd hade to resubmit the wire transfer. When I tried I noticed Chase Bank did not return my money and wire transfer fees into my account. I called and was I formed they would not return my funds for up to three business days. It is unfair for them to hold my funds and prevent me from doing my business. Why do banks get to step in and stop a transaction and keep our money?
Product: Checking or savings account

Certificate of Deposit account number - XXXX Account closed ( XX/XX/2024 ) within allowable period of maturity. 
Follow-up with customer care - XXXX ( XXXX ) reference number XXXX It's been over 30 days, and no check has been received. This is the second instance of BMO not processing the fund request related to CD accounts.
Product: Credit reporting or other personal consumer reports

As I had checked my credit score for this month of XXXX, I have noticed that Equifax had two hard inquires That I had actually disputed in the summertime of XXXX. I sent all documentation to Equifax to let them know that I had no knowledge of these items. In XX/XX/XXXX. In formative research was place on my report twice. So when I realize it I sent Equifax an FTC report stating that I had no knowledge Equifax told me as long as I had an FTC report they can investigated and sent me a letter to let me know that it will be deleted which Equifax failed to send me a documentation stating that they were removing this item which that falls under 15 usc damage for willful noncompliance fcra section 1681n ) Which this also falls in code 15 USC 1681b ( c ) inquiry removal. I want this inquires to be remove asap!
Product: Credit reporting or other personal consumer reports

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

Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  XXXX Bankruptcy Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries. 


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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 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: Money transfer, virtual currency, or money service

Multiple times I 've had my own identity stolen by my own sister and it 's easy for her to do bc she looks similar to me, she 's 5 years older, she lives close, knows everything about me, she went to school for an account, knew in her earlier high school years how to get illegal ssi numbers. Do n't know what she would want with that. So she 's opened credit cards with my social, drained empty multiple bank and checking accounts from 3 different branches, stole my inheritance from both my XXXX parents and signed the checks, claimed me as her adult adopted XXXX child on her taxes, I have to go to court in to weeks for a credit card she opened under my name, she does my taxes every year so I have to sit at the IRS, she 's stolen around 300 grand just from bank accounts alone. I 'm sick of this. She stole my moms XXXX XXXX XXXX, my XXXX XXXX with XXXX, tried to get me to buy her XXXXXXXX XXXX. She tells me how to make XXXX. Called me one day telling me there r bugs crawling down her walls and her body. She 's the governments biggest issue, I 've complained so many times but no one seems to care. It seems like they would rather be out doing stops for XXXX and speeding 5  miles over the speed limit than the serious issues we have to address. This has been going on big time since XX/XX/XXXX, the looking up socials was I believe XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

This is a written request that you investigate specific items that I believe to be reported in error. I am the person making this complaint & I give CFPB authority to investigate this claim. And I do not consent to an electronic communications. I request all responses be in writing through the USPS. 
These items are not correct and are causing me financial and emotional distress because of their derogative nature. The following items must be updated : XXXX XXXX XXXX XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXXXXXX XXXX XXXX XXXXXXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXXXXXX XXXX XXXX XXXXXXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history.
Product: Mortgage

XXXX XXXX XXXX sold my mortgage to Shellpoint Loan Services effective XX/XX/scrub>/2024. 
Billing from Shellpoint had {$90.00} access fee which was inexplicable to the customer service representative during XX/XX/year>2024 phone call. 
This representative assured me that the fee was a mistake and then processed my mortgage payment during this call. 
That {$90.00} was not included in that transaction as she removed it from the account. 
Confirmation number XXXX was given for this correction. 
Mortgage confirmation number XXXX was given for payment. 
This {$90.00} fee continues to appear as due to Shellpoint. Their research number is XXXX.
Product: Debt collection

DIVERSIFIED CONSULTNTS INC CLAIMS I OWED THEM FOR SERVICE I OPEN WITH XXXX XXXX XXXX TWO MONTHS AGO. I DIDNT ANY ACCOUNTS WITH XXXX XXXX XXXX TWO MONTHS AGO. I ASKED THEM TO REMOVE IT
Product: Money transfer, virtual currency, or money service

An XX/XX/XXXX account contacted me offering to sell me their account for {$90.00} and I agreed. They asked me to pay via Paypal and set it as friend and family and I did. They then immediately blocked me after receiving the funds. Their XXXX isXX/XX/XXXX and the e-mail address associated with their paypal is XXXX XXXX
Product: Mortgage

Since XXXX of XXXX we have held a mortgage with Shellpoint Mortgage Company. We pay our mortgage on the last day of the month for the first of the following month via automatic bank withdrawal. In XX/XX/XXXX our monthly payment was incorrectly applied to principle instead of XXXX 's monthly mortgage payment. Since then we have been charged late fees and penalties. We have made numerous calls to Shellpoint 's various departments in an effort to correct this problem with no satisfaction. They are looking for an additional payment of {$1100.00} which includes our normal monthly payment of {$1000.00} plus {$86.00}. We are asking them to subtract the misapplied payment towards the principle and add it to the monthly payments and remove all late fees and penalties from our account.
Product: Debt collection

Today as of XX/XX/year>, I have received a no caller Id from portfolio recovery. I asked who they were looking for and they keep asking me my name. I have been getting these anonymous calls for almost two years. I do not owe ANY debt to Portfolio Recovery Associates neither do I owe any debt to any companies that use portfolio. I am so READY to seek litigation because I keep getting harassed about debt that I do not owe. I have filed police reports for check fraud that someone used in my name. I am a victim of identity theft. Portfolio Recovery are scammers collecting debt. I don't even know how they keep getting my number. I change it every year just because they keep harassing me and I keep telling them that THEY ARE CALLING the WRONG person. If this issue is not resolved meaning accuracy on my credit report, I WILL SUE. This has to stop. They are getting sued.