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

Issue is with Equifax Credit Bureau reporting inaccurate and unverified information on my credit report. They are reporting an inaccurate past due on all accounts totaling {$83000.00} as well as inaccurate payment history of 72 % when it should be paid 100 % due to inaccurate data from XXXX XXXX XXXX. I reached out to both Equifax on XX/XX/XXXX and XXXX XXXX XXXX XXXX via certified mails on ( XX/XX/XXXX ) tracking numbers ( XXXX XXXX XXXX XXXX XXXX ) ( XXXX XXXX XXXX XXXX XXXX ) about the inaccurate reporting that should be classified under 15 USC 1666b as a billing error on their part because their inaccuracy is unverified. Equifax is illegally furnishing unverified data to say I was late XXXX times with no verification on their part nor from XXXX XXXX XXXX XXXX.
Product: Debt collection

On XX/XX/2024 I received a letter from National Credit Adjusters , LLC claiming I owed a debt and to respond within 30 days if I want to dispute said debt. I mailed them a validation letter XX/XX/2024 disputing said debt and to provide any documents proving the debt is mine. This company did not respond to my validation letter and now is reporting this debt on my credit report. This is inaccurate information being reported to my report and I'd like it removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE SENT OUT COUNTLESS LETTERS TO ALL OF THE CREDIT COMPANIES AND THEY REFUDE TO COMPLY WITH MY REQUESTS TO REMOVE THE HARD INQUIRIES FROM MY CREDIT REPORY BECAUSE SOME HAVE BEEN DISCHARED THROUGH MY BANKRUPCY AND SOME ACCOUNTS HAVE BEEN PAID OFF... BUT THEY ARE ALL STILL ON MY CREDIT REPORT. I KNOW THAT THE XXXX XXXX XXXX BANKRUPCY WILL REMAIN ON MY CREDIT REPORT FOR UP TO 10 YEARS THE HARD INQUIRIES ARE STILL ON MY CREDIT REPORT BUT HERE IS A LIST OF THE HARD INQUIRES THAT WILL LIKE TO HAVE REMOVED ... ... ... .... 

*XXXX XXXX  ( XXXX XXXX THIS IS PART OF THE BANKRUPCY ) *XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXXTHIS ACCOUNT WAS PAID OFF AND PART OF THE BANKRUPCY ) *XXXX XXXX ( XX/XX/XXXX ) -I NEVER OPENED AN ACCOUNT WITH THEM AND NEVER HEARD OF THEM BEFORE ( {$530.00} ) XXXX XXXX XXXX ( XX/XX/XXXX ) I NEVER OPENED AN ACCOUNT WITH THEM AND NEVER HEARD OF THEM BEFORE ( {$620.00} ) *XXXX ( XX/XX/XXXX ) I DO NOT EVEN KNOW WHAT THIS ACCOUNT AT ALL *XXXX XXXXXXXX ( XX/XX/XXXX ) I NEVER OPEND AN ACCOUNT WITH THEM *XXXX XXXXXXXX ( XX/XX/XXXX ) I NEVER OPENED AN ACCOUNT WITH THEM *XXXX XXXX ( XX/XX/XXXX ) I NEVER OPENED AN ACCOUNT WITH THEM *XXXX ( XX/XX/XXXX ) I NEVER OPENED AN ACCOUNT WITH THEM *XXXX XXXX ( XX/XX/XXXX ) I NEVER OPENED AN ACCOUNT WITH THEM OR HEARD OF THEM BEFORE *XXXX  ( XX/XX/XXXX ) I NEVER OPENED AN ACCOUNT OR HEARD OF THEM BEFORE I WOULD REALLY WANT THESE HARD INQUIRES REMOVED FROM MY CREDIT REPORT OR I WILL BE FORCED TO FILE THE NECESSARY PAPERWORK TO FILE A LAWSUIT THANK YOU
Product: Prepaid card

I was gifted with a prepaid debit mastercard from XXXX around 1 year ago. I did not use the complete funds before the expiration date, and when I requested a new card be submitted I was told the card was expired ( XX/XX/XXXX ) and the remaining {$77.00} was forfeited. I told them exactly what the Consumer Financial Bureau says on it 's website : " If you have a prepaid debit card and the card expires while you still have money on it, you can request a replacement card to access the funds. 

The funds on a gift card will be good for at least five years, even if the physical card expires at an earlier time. If your card expires and there are unspent funds on it that have not expired, the issuer may give you a replacement card or give you the money by another means, such as a check. Either way, they may not charge you a fee. '' The agent I was speaking to, XXXX ( Agent ID XXXX ) responded that this was not a gift card, but an " incentive card '' and therefor did not fall under the gift card law. But that is exactly what an incentive card is -- a GIFT! 

When I asked where my {$77.00} went, either back to XXXX, or if Citibank Mastercard absorbed the money they would not tell me but instead said that was a private matter between XXXX and XXXX. 

I believe this is a fraudulent withholding of my money, and that they are going against the spirit of the law. 

Thank you for looking over my complaint!
Product: Vehicle loan or lease

I had reported identity theft in XXXX with the ftc ... about the time the data breaches happened. I never received amends. Covid was supposed to about an amends of abuse about my financial power of attorney XXXX XXXX amending oil money to XXXX as herself at all times. Denying me my XXXX rights and XXXX rights is not ok..denying me benefits assets and settlement is not ok. Not notifying me of my XXXX XXXX is not ok and not allowing me access to lawsuits is not ok
Product: Credit reporting or other personal consumer reports

I am writing to formally address the ongoing noncompliance of your agency in relation to my identity theft report, which I previously submitted in accordance with the Fair Credit Reporting Act ( FCRA ). Despite having sent several letters, your agency has repeatedly rejected my identity theft report on the grounds that it was not filed by a law enforcement agency. This decision is not in compliance with the FCRA and fails to recognize the guidance provided by identitytheft.gov as mandated by the Consumer Financial Protection Bureau ( CFPB ).

As you are aware, the FCRA at Section 605B and the guidance provided by the CFPB under identitytheft.gov clearly outline the process for filing an identity theft report. The CFPB specifically states that victims of identity theft can file a report directly through identitytheft.gov, which then becomes a valid identity theft report under the FCRA. Nowhere does the FCRA require this report to be submitted by law enforcement for it to be valid.

Furthermore, under FCRA Section 617, your agency is legally required to investigate and resolve any identity theft dispute in a timely manner, and you are prohibited from deciding unilaterally what is valid or invalid when it comes to an identity theft report that has been properly filed. Your refusal to acknowledge this report based on your own standardsrather than what is set forth in federal lawis a clear violation of the FCRA. 

Legal Precedent : XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX. XXXX ) : This case underscores the importance of proper handling of disputes related to credit reporting and emphasizes that credit reporting agencies can not disregard information simply based on their own internal policies when federal law mandates a specific process. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) : This case reinforced that credit reporting agencies must follow FCRA regulations, including investigating claims of identity theft in accordance with the law, and can not arbitrarily determine what constitutes an acceptable identity theft report. 
XXXX v. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. XXXX XXXX ) : This decision clarified that a credit reporting agency is obligated to accept documents submitted by the consumer, as long as they meet the legal requirements for disputing inaccurate information under the FCRA. 
XXXXXXXX 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

My bankruptcy has been XXXX more than eight years ago more than eight years ago and is still reflected on all credit reports and is public record. It should not be public record without my written consent. This record has been hindering any forward progress Im as Im attempting to correct my credit profile.
Product: Mortgage

XX/XX/XXXX I received a notice from XXXX XXXXXXXX XXXX company that the servicing of my loan would change as of XX/XX/XXXX to Freedom Mortgage Company. They provide contact information about Freedom Mortgage, including where to send our payments going forward. I made the change to the new address for Freedom Mortgage and sent my XXXX payment. 

On the XXXX XXXX I received a letter from Freedom Mortgage welcoming me, and they provided a different address to send my payments. Since it was a different address I checked my bank statement and discovered that they returned my payment to my bank. 

On XXXX XXXX I called Freedom Mortgage and they said BOTH of those addresses are incorrect to send my payment to. They then gave me over the phone a third address and asked me to send my payment. 

I am wary of scams and I am not sure it is safe to send a payment to this third address. I have a 60 day grace period on any late charges so I would like to know if it is safe to send my payment to the third address, especially since I have nothing in writing confirming that this is the correct address. 

Please advise XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There are many Hard Inquiries in my credit report that I am not familiar with
Product: Mortgage

In XX/XX/2022 I called PHH asking if they had bi-weekly payments. I was told that they did, at first the agent said I couldn't be set up on it if I had automatic bank draft turned on, but then he came back and said I could. They sent me the paperwork to fill out. I completed the paperwork and faxed it back in at the end of XXXX. I received a letter that was confusing about a week later. It didnt say if I was approved, it didnt say when payments would start, but it mentioned making a manual payment which was confusing since I was on automatic bank draft. 

I called to get clarity. I was told that I was approved and that the bi weekly payments would start the next month and that I would get another letter with when the payments would start. I never received another letter. 

The next month the bi-weekly payments didnt start so I called again. This pattern repeated every month through XXXX. Every time I called I was told something different. One employee told me I had to fill out the paperwork again. I repeatedly asked if I needed to turn off automatic bank draft but was told no. In XXXX I was told I had to make a manual payment for the full month then the bi-weekly payments would start the following week. I asked her twice if there was a chance that they would pull the full amount for the automatic bank draft, but she kept reassuring me no. 

I made the manual payment for the monthly amount and then they drafted the full monthly amount. Despite the employee reassuring me this wouldnt happen. They wiped out my checking account since I was not anticipating this. It took a week to get my money back. I asked to speak to management and was never passed on to a manager. Even when my calls were escalated to the escalations team I was still never provided with information on when the bi-weekly payments would be set up. Finally at the end of XXXX I spoke to an employee who seemed to know what she was talking about. She finally informed me they do not offer bi-weekly payments only bi-monthly. They didnt even offer what I had been asking for. Every call I asked about bi-weekly payments and no one ever told me this isnt what they offered. I wanted to pay off my loan faster so bi-monthly was not helpful. Dealing with this company has been incredibly frustrating. I spoke with a different employee every month from XX/XX/2022 to XX/XX/2022, sometimes two different employees and only one employee could actually answer my questions. 

Then in XXXX without my consent or knowledge they shut off my automatic payments. I am hoping I never have to call them again because I will not trust anything they tell me. As soon as I can refinance away from them I will.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act JP Chase Bank has violated my right. 

15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 section 604 A section 2 : Its also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under and open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I hope this message finds you well. I have been reviewing my credit profile for months now and seen inaccurate information regarding ( XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX ) in collections as XXXX XXXX. They are reporting on my profile more than once. The status is reporting as a charge off. It is my understanding that once you are in a charge off payment status there is not suppose to be a balance that is reporting. They have a balance reporting as well as inaccuracies across the board where the date open and date of last active differs between XXXX and XXXX. XXXX reports the same account with a status of late 120 days. The entire account is not reporting the same and I have sent over 3 letters to the bureaus to have them send the proper validation of this alleged account. This makes me angry that my consumer rights are being violated! I have the right to dispute any misleading information. I saw a ton of inaccuracies. Doesnt ' this goes against FCRA ? 

XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX are the dates that i've mailed out letters to each Bureau
Product: Debt collection

I requested in writing and over the phone they validate the debit per the fcra law and they will not provide.
Product: Vehicle loan or lease

Wells Fargo Bank added XXXXXXXX XXXX  to my new truck which I had the same full coverage as the day I bought it. The XXXX was put in the loan at a high interest rate which raised my truck payment alot and I could not afford the payment after. 
I called wells Fargo and talked to them several times in the XXXX XXXX XXXX the scammers working there assured me I need this to keep my truck. I struggled with the payment and had made 7 late payments and in MN is the bank takes those payments then before a repo there required to send a XXXX letter. The Bank violated mn law and had the truck stolen and then never sent a letter as to where the auction was. 
Months later they finally sent a letter saying they sold the truck for way less than it was worth. Come to find out they ran another scam they sold my loan to another bank and the Truck was left in my name for years waiting on Wells to settle with me. I was forced to also file bankruptcy and that was alot of money and destroyed my credit. 
Wells Fargo Used a bad arbitration place and all I ended up with was pennys on the dollar. They didnt even fix my credit report nothing. They XXXX and should be shut down They say there going to make it right and they XXXX XXXX again.
Product: Credit reporting or other personal consumer reports

I discovered erroneous accounts on my credit report this morning and am unsure of their origin. As part of my regular credit report checks, I noticed these discrepancies unexpectedly. I refreshed my browser, hoping it was a temporary issue, but the inaccurate accounts persisted. Consequently, I request a thorough review of the documents I've provided to ensure this problem is resolved.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the 3 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 card account opened at XXXX on XX/XX/XXXX, XXXX 's on XX/XX/XXXX and XX/XX/XXXX an auto loan account opened at XXXX on XX/XX/XXXX, a personal loan account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, and a collections account opened at Consumer XXXXXXXX XXXX  XXXX XX/XX/XXXX XXXX a balance of {$2700.00}. 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 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: Credit reporting or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all accounts are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these accounts immediately : 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 : {$2400.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have notified Dept of Educatiion that they are inaccurately reporting that I was late in XX/XX/XXXX 2017. I have asked them to provide me with proof of these late reportings. Please assist me in getting these late reportings removed from my credit file. 

There are 3 Dept of Ed/XXXX Accounts that are reporting inaccurate late payment.s
Product: Credit reporting, credit repair services, or other personal consumer reports

I.m dispute the credit reported because of mishandling my credit scores and i.m very unhappy with the system think that they misusing my Credit score. I have complaints against the XXXX...
Product: Debt collection

**To Whom It May Concern : ** I am writing regarding your continued failure to adequately respond to my requests for debt validation, which directly violates federal law. Your practice of merely providing a photocopied statement is insufficient and fails to meet the requirements for proper validation under the Fair Debt Collection Practices Act ( FDCPA ). This disregard of regulatory obligations and my rights is unacceptable and will be addressed accordingly.

To date, I have filed the following complaints, clearly outlining my request for valid documentation and highlighting your non-compliance : - CFPB complaint # XXXX ( XX/XX/year> ) - CFPB complaint # XXXX ( XX/XX/year> ) - CFPB complaint # XXXX ( XX/XX/year> ) Each of these complaints has outlined my demands for lawful validation. To be clear, the photocopy of a statement you have repeatedly provided does not constitute valid documentation as defined by law. 

**Previous Actions Taken ( XX/XX/year> ) : ** - An *INFORMAL* complaint has been filed with the XXXX XXXX XXXX XXXX - A complaint has been submitted to the XXXX XXXX XXXX **Next Steps : ** Effective immediately upon submission of this letter via the CFPB, I will proceed with the following actions unless the tradeline is permanently deleted : 1. Contact legal counsel and proceed with the lawyer that demonstrates the most aggressive strategy. 
2. Submit a *FORMAL* complaint to the XXXX XXXX XXXX XXXX XXXX 
3. Forward this case to each credit bureau to initiate their investigation of your company 's actions.

4. Mail all documentation regarding your failures to Texas Attorney General XXXX XXXX. 
5. Submit all related materials to the Federal Trade Commission ( FTC ) in a direct letter to highlight these issues beyond the saturated CFPB system.

**Your Options : ** You now have two options. You may either : 1. **Delete** this tradeline permanently and provide written confirmation of this action, at which point I will cease further action. 
2. Continue in noncompliance, in which case I will pursue all available legal avenues to address your violations and seek damages. Consider this your final notice. I have compiled the necessary evidence and documented the damages caused by your continued negligence. The choice is yours, and time is limite
d. 

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

I've complained about being a victim of identity theft. You must remove any items that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XX/XX/year> XXXX XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Bank of America has me in XXXX XXXX because of a fraud account that was opened up. I have disputed this account with the bank and XXXX XXXX.
Product: Checking or savings account

Settlement check deposited on XX/XX/XXXX by remote mobile deposit. 
Check placed on hold for 15 days to be released on XX/XX/XXXX. Chase claimed the company who released the settlement check out a 15 day hold. 
XX/XX/XXXX Chase claims an ID needs to be shown and funds to be released. Brought in ID to branch, only to find out the account was closed due to fraud. Chase cashed the check, took their {$70.00} that was owed due to overdraft and fees put a freeze on funds of {$2800.00} and will not release the money. Finally found out after 2.5 weeks the reason as to why, The company who wrote the check XXXX XXXX, XXXX XXXX XXXX XXXX did not put their name at the top of the check, instead put XXXX XXXX XXXX XXXX and put XXXX XXXX phone number and address. XXXX XXXX being the employer who was sued, reason why I received the settlement check ) We have spent countless hours on the phone and in person, given the run around, told this would be settled and I would receive the funds back and to wait x amount of days. Only to be told another and denied funds. I have been told that Chase will contact XXXX XXXX XXXX to have check verified and funds released. Only to run into another wall with Chase to be told that it is against their policies since XXXX name and phone number isnt on the check. My complaint is about XXXX XXXX as well, they made an error when writing the check and will not fix the issue. The refuse to file a claim with their bank, to stop payment on check and have Chase release the funds back to XXXX XXXX, so another check can be sent to me. XXXX admitted to us that they have had this issue before with checks not being made out correctly. At this point i am out of {$2800.00}, no bank account since Chase closed the account, and have spent countless hours dealing with this situation. I need a resolution and help doing so.