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

I filed a dispute on accounts XXXX with the company Midland Credit Mangement due to Identity theft. XXXX denied to follow up with the investigation. I recently was notified that CFPB has filed a lawsuit against the company XXXX. 
They alleged the company of accepting unreliable information, failure to notify consumer dispute results. This aligns well with my situation! XXXX has not attempted to remove, nor correct any information. I'm requesting this derogatory remark be removed or corrected immediately as it's affecting my chances of getting house. XXXX violates my rights as a consumer, as well as federal laws.
Product: Credit card or prepaid card

Chase Marriott XXXX points were to be redeemed for a 6-night stay at XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

On XX/XX/2022, 17 days after check out, without our authorization, XXXX XXXX charged our Chase Marriott XXXX credit card {$660.00}. I contacted XXXX XXXX XXXX XXXX three times on XX/XX/2022. On XX/XX/2022, I spoke to XXXX XXXX XXXX. XXXX XXXX advised we were charged for what they say was insufficient vouchers. 

Chase Bank will not allow us to dispute the charge on our credit card because we stayed at the hotel. Even though it is Chase 's XXXX program that was to cover the stay. 

I contacted Chase Marriott XXXX. Today, XX/XX/2022, XXXX automated system indicates a point balance of over XXXX. XXXX XXXX XXXX XXXX was opened. I have no idea what this entails. 

But again, I lost hours and owe money in the meantime.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent inquiries in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a identity theft report and Per FCRA section 605b Credit Reporting Agencies are required to remove and block any inquiries listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of inquiries which do not belong to me or were opened without my permission : EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. These accounts have violated my rights. 15 U.S.C 1681 section 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 an 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 or 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. 

EQUIFAX INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

EQUIFAX INACCURATE ACCOUNTS : XXXX XXXX XXXX XXXX XXXX
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. 

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 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: Credit reporting, credit repair services, or other personal consumer reports

This is my third attempt disputing with XXXX, XXXX  and Experian. They continue to violate my rights by including inaccurate, fraudulent accounts that do not belong to me. These accounts were opened in my name without my consent.
Product: Debt collection

In XXXX of 2014 I went to emergency room XXXX, they gave me an antibiotic and said that if I became XXXX I should go back immediately. 
2 days later I became XXXX in the middle of the night and went back, after several tests and XXXX, the doctor said that their previous prescribed antibiotic was wrong and had caused the XXXX. 
All of the charges they are trying to collect comes from their wrong medication that they gave me and nothing else. 
I 've told this to the emergency room accounting staff as well as the collection agency.
Product: Debt collection

Collection of extensions of credit by extortionate means, pursuant t

o 18 usc 894 ( a ) Whoever knowingly participates in anyway or conspires to do so, in the use of extortionate means. 1.To collect or attempt to collect any extension of credit. 2. To punish any person for the non repayment thereof. Also pursuant to 18 usc 891 ( 5 ) & ( 7 ) companies are in clear violation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted the XXXX XXXX XXXX to inform that the information that they are reporting to the credit bureau is incorrect and I was told that the information would be updated to show the correct information and it has yet to be corrected. I contacted XXXX on XX/XX/2018 and it is now 90 days since i have spoken to they. This has really affected my credit in a negative way and I am looking for a resolution to this problem.
Product: Credit reporting or other personal consumer reports

I have complained to the credit bureaus, I have requested information regarding the investigation and I have not received any information regarding to the account. The company is trying to collect under two different names and is reporting inaccurate information to all three credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I'll be attaching scanned pdf files of the dates and what transpired. 

Briefly what occurred - XX/XX/XXXX : Wife passed away. 
XXXX : Received J.C.Penney credit cards, one for me and the other for my wife. 
XXXX : Called J.C.Penney to have my wife removed from the joint account due to her passing. They said they did not need a death certificate as they have their own way to verify the death. They said wait 30-90 days. 
XX/XX/XXXX : I charged {$21.00} at J.C.Penney for a XXXX gift. 
Early XX/XX/XXXX : I tried to charge another purchase but the card was declined. I ran a credit check and found J.C.Penny showing an Adverse Account as charged off. Also, it showed I was deceased. I never received a billing statement for the {$21.00}. I was confused about this and what charged off meant. 
As the attached pdf 's will show, the deceased was corrected by the reporting agency, but charged off remained. Later, it read Paid in full/charged off, but still showed Adverse Account. My credit score dropped at least 100 points for something I had no control over, due to the fact J.C.Penny had me deceased instead of my wife. Perhaps that's why I never received a billing statement?

Hope this is enough info.
Product: Credit reporting or other personal consumer reports

I dont remember putting my information in for this account and if I did, according to the Fair Credit Reporting act FCRA section 605B It is illegal to report information on my credit report without my permission. Please remove this item from my credit report.
Product: Mortgage

Selene Finance is the mortgage servicer on this loan. They have incorrectly dated the closing of the loan in XXXX when it was actually closed in XXXX. This has created a significant set of issues that have not been resolved by Selene, despite dozens of calls and emails to rectify the matter. 

The note, payment schedules and all documentation correctly call for the first payment to be due on XX/XX/XXXX. Payment for the remainder interest of XXXX ( the month of closing ) was paid at closing, as is customary with loan closing procedures. 

But because their error has the closing date in XXXX, since the inception of the loan it has reflected an inaccurate first payment due on XX/XX/XXXX. That is impossible for a loan that closed in XXXX, since XXXX was collected at closing and XXXX had not yet accrued. The note and all documentation correctly call for a XXXX payment on XX/XX/XXXX. 

Therefore, every payment I have made is inaccurately categorized as 30 days late. This has also now been reported inaccurately on my credit. Additionally, Selene has been unable to credit that first payment to my account because it was delivered via bank check. 

I have called Selene every single week since the inception of this issue. Every time, a customer service agent finds the correct note and documentation, starts a case, and sends it to be corrected. I am given a date of correction each time which is false. Nothing has happened. 

Every single time I call, it starts over. They do not contact me or issue a case number or attempt to rectify the issue. 

Selene has the appropriate documentation yet refuses to correct the issue. Every party has the correct documentation the county recorder, Selene, myself, escrow, notary. But Selene still refuses to correct it after dozens of calls and complaints filed.

Now they are inaccurately reporting this information to the credit bureaus ( after acknowledging and identifying the error ) in violation of a few laws. 

This must be corrected immediately. They must correct their files to reflect my correct loan inception date, my on time payment history, and correct my credit file without delay.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXX XXXX, has violated my rights.

15 USC 1681 Section 602 States I have rights to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose
Product: Debt collection

This communication is a follow-up in regards to closed complaint XXXX Midland Credit Management, Inc.is in clear are violating federal laws against my person and natural person and of the FDCPA Laws. From their previous response to my original complaint, there is a clear admission of guilt. The Affidavit of Truth, debt validation form/letters, and correspondence, as well as exhibits, have all been ignored. 
Midland Credit Management , Inc. responded by sending a letter with absolutely no information and did not include the requested information from any of the correspondence sent out with certified mail validation. This included NO notarized under penalty of perjury Affidavit of Truth responding to my Affidavit of Truth line by line signed by the CEO, CFO, or any superior of Midland Credit Management XXXX Inc., NO completion of the debt validation form, I have yet to receive validation on behalf of the account with any contract bearing my signature stating I would be responsible to pay any debt to Midland Credit Management , Inc., LLC or any company that they represent and whom I have no contract with for an alleged debt I do not owe. Instead, I have received numerous debt collection attempts and itemized report statements as " proof '' that said debt has been validated from the " original creditor '' XXXX and which per FCRA/FDCPA does not constitute verification. Please note that on XX/XX/2019 the CFPB released its Fair Debt Collection Practices Act Annual Report and it stated the following : The Bureau notes that one or more debt collectors continued collection activity despite not properly obtaining and mailing debt verification after a consumer exercised his or her 1692g rights. Specifically, the Bureau calls out the practice where debt collectors forwarded consumer debt validation requests to the relevant clients, who mailed responses directly to the consumers. Section 809 ( b ) of the FDCPA requires a debt collector, upon receipt of a written debt validation request from a consumer, to cease collection of the debt until IT ( meaning the collection agency ) obtains verification of the debt and mails it to the consumer. Examinations found that one or more debt collectors routinely failed to mail debt verifications before engaging in further collections activities.
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. 


I told Experian, XXXX, and XXXX to reinvestigate these accounts : Account name : XXXX # XXXX Account name : XXXX # XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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

On XXXX XXXX I was staying in a hotel and someone hacked into my cash app through the unsecure network and drained my cash app account if XXXX. They linked their bank card withdraw funds then cancelled my cash app account. I had a debit card attached to the cash app account myself and it was disabled. I tried reaching out repeatedly and had to keep emailing repeatedly to try to get my money back I didnt understand how they couldnt just reverse the transaction but I was basically told nothing they could do. They also told me since the scammer closed my account there was no way they could even reopen it to do anything. This was devasting. They never refund people their money thats stolen even though they say they are federally insured. I would like to have my money back but do not know how that is possible now
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of fraud. I received a credit report with inquiries that I have no knowledge nor did I authorize these inquiries. I called the companies but they could not find a application with my information and informed me to dispute the information with the credit bureaus. The inquires that are unauthorized are : XXXX, XXXX  XXXX XXXX XXXX x2, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX. I have seeked legal representation for other fraudulent accounts on my credit.
Product: Debt collection

I LOOKED ON MY CREDIT REPORT AND I SAW THAT THERE IS AN ACCOUNT THAT I DID NOT AUTHOURIZE OR BENEFIT FROM I HAVE ATTACHED AN FTC REPORT IN HOPES OF GETTING THIS ISSUE RESOLVED I NEED THIS FRAUDULENT ACCOUNT REMOVED
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted numerous disputes to Experian regarding their incorrect listing of a bankruptcy on my consumer credit file. In the letters sent to me regarding the " dispute results '' Experian listed the Bankruptcy Court as the source of the information for the first dispute and then after my request for a re-investigation, the " dispute results '' that was sent to me now states that XXXX MAY be the source of the information. 

I subsequently sent in a method of verification to Experian twice in the last 4 months that has been ignored and not replied to. 

These are all violations of the Fair Credit Reporting Act.
Product: Debt collection

Focus Receivables Management at XXXX XXXX XXXX XXXX, XXXX, GA. XXXX has been sending me collection notices in the amount of {$550.00}. The collection has been reported as past due. I do not know this company. i have never done business with this company. this company does not have a contact with my signature.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my other Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which 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 relating to any transaction by the consumer. 
XXXX XXXX XXXX  XXXX : {$0.00} ; XXXX XXXX Balance : {$1300.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$1300.00} ; XXXX XXXX Balance : {$1100.00} ; XXXX XXXX Balance : {$470.00} ; XXXX Balance : {$9900.00} ; XXXX XXXX Balance : {$1000.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

On or about XX/XX/year> someone opened an account with the Home Depot. The accounts limit is {$8000.00} and immediately charged {$7100.00}. I didnt apply for this card. Please help
Product: Credit reporting, credit repair services, or other personal consumer reports

The accounts do not belong to me its identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

Account Name : XXXX Account Number : XXXX has violated my rights. Or a 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 an 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 or 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: Vehicle loan or lease

On XX/XX/2022 I purchased a vehicle that was financed through Citizens Financial Group and took out an extension of my own credit using my SSN ( credit card ) ( 15 USC 1602 ( L ) ), and Title 18 USC 8. Obligation or other security of the United States defined The term obligation or other security of the United States includes all bonds, certificates of indebtedness, national bank currency , Federal Reserve notes, Federal Reserve bank notes, coupons, United States notes, Treasury notes, gold certificates, silver certificates, fractional notes, certificates of deposit, bills, checks, or drafts for money, drawn by or upon authorized officers of United States, stamps and other representatives of value, of whatever denomination, issued under any Act of Congress, and canceled United States stamps. Pursuant 15 USC 1602L, the bill was prepaid with the use of my social security number, which I used in the application process with Citizens Financial Group. Furthermore, there was no right of recession clause in the contract, violation of 15 U.S. Code 1635. furthermore, I entered into this contract agreement with Citizens Financial Group without 1 ). Full disclosure of my right to rescind 2 ). Transparency regarding the process of the consumer credit application being the financial asset ( 12 CFR 360.6 ( 2 ) ) as well as self-liquidating paper ( 17 CFR 260.11b-6 ) ). I have reason to believe that Citizens Financial Group willingly and knowingly took advantage of me and my consumer credit. I am not terminating or canceling this contract, I am deducting my liability to pay on behalf of the obligor as i have found several violations and fraud. Notice that Pursuant to 15 U.S. Code 1635 ( b ) upon receipt of this rescission I am not liable for any finance or other charge. Any security interest given by the obligor, including any such interest arising by operation of law, becomes void upon such a rescission. In addition, I was given false and deceptive information ( violation of 1692e ) as I, XXXX XXXX was told that a down payment of {$5000.00} was needed in order to drive off of the lot. Down payment is a direct violation of 15 USC 1662, this transaction was simply an extension of my consumer credit. Pursuant to 15 USC 1605a - a finance charge is sum of all charges-this also includes insurance, but you don't need me to tell you that. Citizens Financial Group willingly and knowingly violated my rights as a consumer. Down Payment Reimbursement shall be made by check payable to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX
Product: Credit card or prepaid card

I printed out an offer from the Internet advertising " 21 Month Intro Offer on BT ( balance transfers ) and Purchases '' on a Citi Diamond Preferred Card. I called XXXX to apply. The telephone banking sales person confirmed it would be for 21 months, and that I would have four months to make any needed balance transfers. So I went through the entire application process and got approved quickly on the phone, but then she told me balance transfers would be for only 12 months instead of 21 months as originally stated. 

That is an outright BAIT AND SWITCH tactic. I have great credit and two other Citibank credit cards with never one late payment. Isn't this BAIT AND SWITCH illegal? 

XXXX XXXX, XXXX, CA