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

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
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: Checking or savings account

None of the transactions were authorized, they are all from 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: Money transfer, virtual currency, or money service

On Sunday XX/XX/2023 at XXXX I was assaulted and robbed at gunpoint by two armed individuals near downtown XXXX, OH XXXX They took my XXXX, keys, and drivers license, and forced me to provide my phones passcode. Promptly after the incident occurred, I called Chase, explained to them the situation, and they advised that there were 3 pending transactions totaling {$2500.00} made through XXXX from my checking account into 3 separate accounts which I did not recognize. Chase then canceled my existing debit card, locked my account, and opened a claim on my behalf disputing these 3 unauthorized charges. A temporary credit of {$2500.00} was applied to my account on XX/XX/2023 while Chase investigated my case. The next day I received a new notice from Chase advising that after conducting their research, they determined that I had authorized the fraudulent transactions. Given that this was not the case, and that I did not authorize the charges, I called their claims department and asked for the claim to be reopened. The representative advised that I would need to bring documentation to a chase branch to have the case reopened by a private client banker. I went to my local branch with a copy of a news article pertaining to the incident, and my private client banker was able to successfully reopen the claim and had me send them a copy of my police report via email. On XX/XX/2023 I received a new notice from Chase advising that after more research, they still believe that I authorized those fraudulent transactions. I called Chase shortly after and the claims rep who answered advised that the Face ID  on my phone was used to initiate the transactions, and that they were using that as their basis for me authorizing the transactions. This is inaccurate as my phone was not in my possession at the time those transactions were initiated, and I had submitted proof to Chase demonstrating such when I opened this claim for the final time. The last update I received, my claim was still ongoing but it was unlikely that I would be receiving my stolen funds. 

I am disappointed by how JP Morgan Chase & Co has grossly mishandled this claim since the beginning, after I provided all necessary documents including a police report and news article of the event that took place. I have access to security camera footage showing my phone was not in my possession when the transactions occurred. Not only am I dealing with XXXX XXXX XXXX XXXX XXXX XXXX that took place, but I am waking up in the middle of the night with XXXX XXXX due to the financial uncertainties stemming from this mishandling. My emotional wellbeing has been directly affected by this situation, and my XXXX that I had worked so hard to get rid of in recent years has now returned. It is my hope that Chase and I can come to an amicable resolution, by having my money returned to my checking account without wasting time and resources in court.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft who over the past 90 days, has filed at least six complaints with the Consumer Financial Protection Bureau regarding Equifax, countless disputes directly to Equifax, and many letters and notifications to the creditors attempting to collect debts in error on my file. Equifaxs continued negligence in removing these errors has caused me financial harm and undue hardship in addition to my victim of identity theft status.

I am a victim of Equifaxs failures as recently outlined by the CFPB. Despite my relentless efforts to dispute inaccurate information on my credit report, Equifax failed to properly investigate my claims, ignored relevant evidence, and relied on flawed processes that continue to harm me. Equifax, reported inaccurate information, failed to correct errors even after disputes, and reinstated several previously deleted inaccuracies, damaging my credit standing. When I mentioned contacting the Consumer Finance Protection Bureau during calls, Equifax representatives laughed at me and replied there was nothing that I could do. This negligence has severely impacted my financial opportunities, and I have been left without a clear path to resolve these ongoing issues. 
To date, I have incurred out-of-pocket expenses exceeding {$300.00} for office supplies, transportation to the post office, and postage costs related to these disputes. Additionally, I have spent over 96 hours attempting to resolve these issues. At my current rate of {$20.00} per hour, this equates to a minimum wage loss of {$1900.00}. Further, I have suffered adverse actions as a direct result of these inaccuracies, negatively impacting my financial standing and opportunities.

Equifaxs failure to correct these errors is a clear violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681o ), and I demand immediate correction of my credit report. I also reserve my right to pursue legal action to recover my financial losses and hold Equifax accountable for its noncompliance.

Please investigate Equifaxs negligence and correct these inaccuracies promptly. I expect a written response confirming these corrections within the time required by law.
Product: Credit reporting, credit repair services, or other personal consumer reports

Past case : XXXX Auto lease with XXXX  inaccuracies in reporting several lasts payments between XX/XX/XXXX and XX/XX/XXXX. 
I have filed several complaints with XXXX, this is the 4th complaint. 

All three major credit reporting agencies are reporting late payments and negative information. 

XXXX needs to update XXXX, Experian, XXXX XXXX and all others that have inaccuracies due to their mistakes. 

XXXX has admitted to this negative data being a mistake yet time after time they have failed to fix it. 

XXXX continually closes case without contact with me. They dont follow through as they indicate they will upon a first call. 

Again- I am asking for all three major credit bureaus be informed of the mistake and the negative data removed. 

The first 3 complaints to XXXX via this method resulted in three different responses and promises to fix yet nothing has been done in over one year. 

XXXX  is being asked by me to NOT CLOSE this case until contacting me to explain the problems they are having. Im expecting them to perform by removing damaging and problematic False data from said reports.
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( Private SSN ), Consumer Date of Birth : ( Private DOB ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit, loans. XXXX XXXX XXXXXXXX {$470.00} XXXX. XXXX XXXX XXXX {$900.00} XXXX. XXXX XXXX XXXX {$1900.00} XXXX XXXX XXXX XXXX XXXX  {$620.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX {$1000.00} XXXXXXXX XXXX XXXX {$1000.00} XXXX. XXXX XXXX XXXX {$7200.00} XXXX. XXXX {$5500.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Debt collection

Its a XXXX XXXX  account from XX/XX/2010 XXXX XXXX XXXX and I told them that it is too old to be on my credit report. They parked the debt
Product: Debt collection

On XX/XX/2019, I answered a phone call from Mr. XXXX. From Profit Services Group, XXXX Georgia. Mr. XXXX said I owed {$58.00} for a XXXX   from XXXX XXXX. I told him I would pay that. I ask if there were any other bills, they were from a accident, that has not been settled. He had three bills. I ask Mr. XXXX to send me the other bills, to make sure they were mind. Mr. XXXX told me the bills were {$130.00}. Said he had two addresses. On XX/XX/2019, I checked to see if Mr. XXXX paid the {$58.00}. Mr. XXXX took {$130.00} from my account without VALIDATION OF DEBT. 
I called Mr. XXXX on XX/XX/2019. To tell him, he DID NOT SEND me the bill 's he said I owed. And you took money from my account, you DID NOT have PERMISSION to do. Without Validation of Debt. 
Mr. XXXX still has not sent me proper prove of Validation Of Debt. 
I gave him permission to pay {$58.00}. Not {$130.00}. The bills I have found do not equal {$130.00}. The bills were only {$120.00}. The bottom line is, this is stealing money from my account without permission. 
Mr. XXXX said our message was recorded. I told him twice. You are gon na take {$58.00} from my account and send me the other bills.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX fraudulently reported several accounts on my credit reports using different names. Now, this company has re-aged this account on all of my credit reports ; making it appear that I had an account that was charged off in XXXX. They are reporting that I have negative payment history since XXXX. This is not true. The account was closed in XXXX. XXXX is reporting this false and incorrect information to Experian, XXXX and XXXX.
Product: Credit reporting or other personal consumer reports

I have previously requested that these items be removed from my credit report but they keep refusing the items are listed below : The credit bureau also requested again verification of my address and valid Id of who I am so I am providing that They continue to violate the fair credit reporting act -1. all fraud alerts or credit freezes - 2. Ohio department of human services XXXX XXXX XXXX XXXXXXXX - 3. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

XXXX XXXX was paid in full years ago. My insurance covered most of the amount and I paid the rest. I have cancelled checks to prove it. 

Last year they sold the amount I had already paid to a collection agency. I disputed it and it was removed from the credit reports. Now, today I am notified that they have sold the same amount to another Collection agency. My credit score dropped over XXXX points in one day. 

This affects my interest rates. Do I need an attorney? It can take months to resolve this and I will be paying higher interest until it is solved.
Product: Credit card or prepaid card

XX/XX/XXXX I purchased a flight on XXXX, XXXX to XXXX ( XXXX XXXX ), XXXX - XXXX  - XXXX {$200.00}, # XXXX, airline confirmation # XXXX I wrote letter in XXXX to Amex that flight cancelled by airline and XXXX responded that airline policy is to give partial refund {$5.00} and rest in voucher! Outrageous! 
I am senior and do not expect to plan this trip again XXXX hid behind statement saying that is airline policy I had a trip XXXX  to XXXX XXXX thru XXXX, as soon as flight was cancelled I received full credit refund in a month on my credit card I purchased a ticket thru a travel platform and should expect a chargeback for SERVICES NOT RENDERED thru this platform and XXXX should not hide behind a false excuse that airline dictates policy of refund Thus I ask American Express to process refund from XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm submitting this complaint in response to a notification on my credit report. The files reported are inaccurate and erroneous and are leading to a negative impact on my credit file. I am including proof with this letter and the following information on the credit report is incorrect. 
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, credit repair services, or other personal consumer reports

Hard Inquire reported on my account is inaccurate. Needs to be removed, it is damaging my lifestyle. 
XXXX Inquiry Date : XXXX Removal Date : XXXX Type : Department and Variety Stores XXXX non specific It is being reported on my credit and damaging it. PLEASE CORRECT and REMOVE as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, CA. XXXX To Whom It May Concern : This is concerning Account Number : XXXX. 

I previously sent you a request to validate my debt under the Fair Debt Collection Practices Act and all I received was a copy of alleged account information. This does not begin to fulfill my information request and your requirement to provide the requested documentation. Your effort is inadequate and does not meet Federal Trade Commission debt validation guidelines. 

The FTC has noted that providing a copy of a printout, bill, or alleged account documents does not constitute validation. Mere itemization of what you already have does not accomplish my requested debt validation. 

This is my second request. Please provide me with ALL of the following points of information : Agreement with the original creditor that authorizes you to collect on this alleged debt and/or verification that this alleged debt was assigned or sold to you. 
The agreement bearing my signature stating that I have agreed to assume the debt Valid copies of the debt agreement stating the amount of the debt and interest charges Proof that the Statute of Limitations in Illinois has not expired Complete payment history on this account along with an accounting of all additional charges being assessed Proof that you are licensed to collect in my state ; and Your license numbers and Registered Agent or Agent of Service. 
Your non-compliance with my request will also be construed as an absolute waiver of all claims to enforce the debt against me and your implied agreement to compensate me for court costs and attorney fees if I am forced to bring this matter before a judge. 

I notice that you are still reporting this collection on my credit report, which is considered to be a collection activity. You are now in violation of the FCPDA, and are now subject to fines of {$1000.00}, plus actual damages and attorneys fees, which I may collect from you by bringing this issue before a judge. 

I intend to take all legal steps available to me if I do not hear back from you.
Product: Mortgage

Got my initial mortgage refinanced in XX/XX/XXXX. 
Mortgage company wo n't allow auto XXXX payment without going through a third-party vendor. However, the third party vendor providing the service is not free. 
Though XXXX owns my loan as of XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

Per 15 usc 6802, 16 cfr 313, 317 F. Synchrony bank has a obligation to provide each consumer with proper notice on opting out of sharing non public personal Information to non affiliate 3rd parties. Which Congress has defined under title 15 of the US code. Synchrony bank and XXXX are Sharing my non public personal information without my consent. Per the fair credit reporting act as a federally protected consumer I am now opting out of any and all authorization i the consumer may have given you written unwritten verbal and non verbal per 15 usc 6802. Additionally, XXXX has provided inaccurate information to my credit file on which synchrony bank has taken a adverse action against my account by closing it without reasonable compensation for the usage of my securities which I understand according to synchrony bank XXXX filing with sec, synchrony bank is in fact XXXX out my account balance each much for the pooling of my securities. Synchrony bank has fault their fiduciary obligation outline in there SEC XXXX filing. XXXX has violated my rights by sharing my information without out my written or express consent which resulted in my account being closed. I believed the information XXXX furnished to synchrony bank without my consent which is required by federal law is inaccurate which is a violation of the fair credit reporting act. Synchrony bank and XXXX operating together in violation which financial gain unbeknownst to me constitutes fraud and R.I.C.O. Per congress the Consumer Financial Protection Bureau has the responsibility to enforce the law. I will be seeking civil damages as favored under 15 usc XXXX. {$1000.00} per violation, which is for each time my credit information was shared and reported inaccurately. According to my records and the records of XXXX my credit score is well above XXXX which also Congress never enacted a law requiring a credit score for the usage of credit which is my Credit to begin with from your company using my securities! The equal credit opportunity act states that any denial which is part of a consumer transaction is discrimination. Which in fact I have evidence which was sent by synchrony bank who Also stated where my information was shared from, lacking my consent violation of my privacy rights that are federally protected. I demand that my credit file be updated for synchrony bank to be updated to paid as agreed immediately. All rights reserved
Product: Credit card

I have excellent credit and pay my bills on time. However, an email-delivered American Express bill escaped my notice. I paid the past-due bill online in full, which included a late fee, upon receipt of a bill sent via USPS. No further charges were placed on this card. Today I discovered I was charged an additional {$38.00} late fee in XXXX and another {$38.00} late fee in XXXX. I feel that American Express is using extreme tactics in charging late fees.
Product: Payday loan, title loan, personal loan, or advance loan

Believe this is Illegal loan in State of Ga. Lender is not listed in Georgia XXXX. Charged very unreasonable interest rates making impossible to pay back. Without having to get more loans. I have requested to stop further ACH payments from my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account do not belong to me nor do I owe this known as LVNV Funding LLC, therefore I'm demanding that this account be removed/ blocked from my credit file immediately.
Product: Credit reporting or other personal consumer reports

There are numerous instances of disobedience with mandated reporting criteria, thus the information in my report isn't accurate and comprehensive! Having said that, I dispute your claims and challenge you to show me that you have the authority to publish this inaccurate, misleading information to my credit report. 

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Provide truthful information about accounts or other connections with a customer.

Provide accurate information about accounts or other interactions you have with customers.

C - Look at consumer complaints in a reasonable manner According to CRRG, you have to adhere to the Metro 2 compliance guidelines in order to file a legitimate report.

Furthermore, " Any Deviation From These Standards Jeopardizes The Integrity of The Data, '' according to the CRRG. This implies that discrepancies in reporting claims have the potential to reduce information accuracy and have an impact on the accuracy of reports that are subject to federal regulation.

I'm using my right to object to these erroneous and non-compliant items as a consequence. You will only demonstrate your lack of concern for my rights as a customer if you ignore my demand. Reporting information that hasn't been verified as ethical and compliant with certified reporting standards isn't fair. Once more, I contest these assertions and demand documentation of the appropriate reporting guidelines. 

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB , FTC and my Attorney General.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had an account with Synchrony Bank for an HVAC system. I was paying on time no problem. My mom was diagnosed with XXXX and moved in with me. I was paying her bills and mine. She died. I started fixing everything. Synchrony closed and sold my account to XXXX XXXX and XXXX XXXX XXXX worked with me to pay this debt off ( they were both kind and helpful ). They told me once it was paid off they would remove anything pertaining to this debt from all three credit bureaus under " Collection Accts '' & " Negative Accts ''. The account is still listed under " Negative Accounts ''. It says closed and balance XXXX  but it is still hurting my credit and I am desperately trying to obtain a loan for my daughters college tuition. I reached out to Synchrony Bank several times and been told that it is closed with a XXXX balance but they are keeping it on there for 7 years. I was told to dispute it - I did - nothing. I was told they don't own the loan anymore so they can not take it off. I don't know what to do. I am a hard working honest person who had a really bad situation. I work in XXXX XXXX and that is why my mom came to live with me so I could care for her until she passed. I had to cut back on shifts at work and fell behind. This wasn't a malicious event where I just didn't want to pay. I will attach all the documents.
Product: Checking or savings account

Fraudulent activity, identity theft, and compromised account following unauthorized charges of {$670.00} to a XXXX