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

According to my recent credit report request from EXPERIAN there are several inaccurate accounts on my report that I demand removal as they are in violation of the following applicable credit reporting laws : 15 USC 1681623 ( a ) of FCRA/FACTA I am exercising my right to audit your records that claim you have verified to the credit bureaus this debt. 15 USC 168123 ( a ) 7 requires early warning notice ONLY after they have notified said person before it is placed on the credit report ( See Attached ) Note : There is a {$1000.00} fine if this request is not completed in 30 days as stated in FACTA.

VIOLATIONS OF CREDITORS & TRANSUNION VIOLATION COUNT 1 [ 15 U.S.C. 1681c ] ( a ) There are several items on my report that are not legally allowed on my report VIOLATION COUNT 2 [ 15 U.S.C. 1681c-1 ] ( a ) I Have accounts on my report that do not belong to me and my identity may be Compromised.

VIOLATION COUNT 3 [ 15 U.S.C. 1681e ] Compliance procedures VIOLATION COUNT 4 [ 15 U.S.C. 1681h ] All of  the creditors do not have records of my proper identification CREDITORS AND ACCOUNTS TO BE REMOVED XXXX ACCOUNT # XXXX THE CREDITOR NEEDS TO VALIDATE THIS DEBT/ACCOUNT AND SHOW HOW THEY VERIFIED IT OR THEY MUST REMOVE IT IMMEDIATELY. THEY HAVE NOT SHOWN PROOF THIS HAS BEEN VALIDATED XXXX ACCOUNT # XXXX THE CREDITOR NEEDS TO VALIDATE THIS DEBT/ACCOUNT AND SHOW HOW THEY VERIFIED IT OR THEY MUST REMOVE IT IMMEDIATELY. THEY HAVE NOT SHOWN PROOF THIS HAS BEEN VALIDATED XXXX XXXX/XXXX XXXX ACCOUNT # XXXX THE CREDITOR NEEDS TO VALIDATE THIS DEBT/ACCOUNT AND SHOW HOW THEY VERIFIED IT OR THEY MUST REMOVE IT IMMEDIATELY. THEY HAVE NOT SHOWN PROOF THIS HAS BEEN VALIDATED XXXX XXXX/XXXX ACCOUNT # XXXX THE CREDITOR NEEDS TO VALIDATE THIS DEBT/ACCOUNT AND SHOW HOW THEY VERIFIED IT OR THEY MUST REMOVE IT IMMEDIATELY. THEY HAVE NOT SHOWN PROOF THIS HAS BEEN VALIDATED XXXX  XXXX XXXX XXXX ACCOUNT # XXXX THE CREDITOR NEEDS TO VALIDATE THIS DEBT/ACCOUNT AND SHOW HOW THEY VERIFIED IT OR THEY MUST REMOVE IT IMMEDIATELY. THEY HAVE NOT SHOWN PROOF THIS HAS BEEN VALIDATED XXXX  XXXX XXXX XXXX ACCOUNT # XXXX THE CREDITOR NEEDS TO VALIDATE THIS DEBT/ACCOUNT AND SHOW HOW THEY VERIFIED IT OR THEY MUST REMOVE IT IMMEDIATELY. THEY HAVE NOT SHOWN PROOF THIS HAS BEEN VALIDATED
Product: Debt collection

Found out in my credit report that I have some trying to collect a dept bill that I dont know in the amount of {$1800.00} on XX/XX/2022 by XXXX XXXX XXXX XXXX
Product: Debt collection

I received a letter from multiple collection agencies for the same debt. I have explained that I was laid off of my job of 16 years and fell behind in my payments. I established a payment arrangement with one collection agency then I started getting demands and letters from another collection agency ( XXXX XXXX ). I advised that I would like to validate that there is not dual collections happening they were nice and said they would check with the original creditor Amex. I called Amex and they advised the correct collection agency was XXXX XXXX. I now don't know who to trust or who to pay I really would like to just pay American Express back directly but everytime I call they say they no longer have access to my account. How is that possible that the owner of the debt no longer has access to the account I was never advised that my accounts have been sold. I'm just looking for help to resolve this nightmare now I am afraid the payments made have been lost.
Product: Checking or savings account

US bank closed my account over a {$36.00} overdraft fee that US bank refuses to refund. When I received the check from US bank when I go to cash the check at XXXX to avoid US bank XXXX told me I had to cash it at US bank so I did. when I arrived at US bank to cash it I was charged {$7.00} for my money that US bank closed and when I asked for a receipt that the check was cashed US bank refused to give me a receipt
Product: Credit reporting or other personal consumer reports

I have recently reviewed a copy of my consumer credit report and I noticed that I had a fraudulent account. I am referring to the account from XXXX XXXX XXXX with account number XXXX. Please remove this account from my report IMMEDIATELY because I did not authorize them and I do NOT recognize them. I have never entered into an agreement or a contract with XXXX XXXX XXXX which makes this a fraudulent account, inaccurate reporting to my consumer profile and a violation of my consumer rights under the FCRA and the FDCPA. This fraudulent account reporting is hurting my ability to obtain credit and is damaging my financial reputation. I demand for ALL forms of communication from XXXX XXXX XXXX to cease and for this account to be deleted.

15 USC 1692 sec 805A states a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place known or which should be known to be inconvenient to the consumer
Product: Debt collection

In XX/XX/XXXX, Plusfour , Inc. reported a collection account for XXXX XXXX in the amount of {$540.00} on my credit bureau file. In XX/XX/XXXX, I sent a letter to Plusfour disputing the debt and requesting validation. They did not respond. In XX/XX/XXXX, I sent a certified letter to Plusfour disputing the debt again and requesting specific information be provided to me ( see attached ). Again, they did not respond. Pursuant to the FDCPA, they were required to respond to my request within 30 days. To date, Plusfour has never contacted me or sent any information regarding the validation of this debt. In XX/XX/XXXX, I became a resident of Florida. Plusfour is not a licensed collection agency in the state of Florida. Additionally, they have violated multiple FDCPA laws. Plusfour has a long history of violating consumers ' rights by not conducting business practices in compliance with federal and state laws regulating consumer collection agencies. Plusfour has been the named defendant in a multitude of lawsuits filed in the United States District Court, XXXX Nevada. The lawsuits were filed by consumers due to fraudulent business practices and violations of federal and state law. Plusfour has 138 complaints filed against them with your organization., Plusfour Inc. currently has an F rating with the XXXX XXXX XXXX with multiple unanswered complaints. Additionally, I am a permanent residence of Florida and Plusfour is not a collection agency in Florida as required by law. I am requesting that this company be investigated and that the account be deleted from my credit Bureau file immediately.
Product: Credit reporting or other personal consumer reports

On XX/XX/2024 I got an email stating someone got a copy of my experian credit report without my consent or knowledge This account ( XXXX XXXX XXXX XXXX ) THE FRCA REGULATES CONSUMER REPORTING AND PROTECTS THE PRIVACY OF CONSUMER REPORT INFORMATION.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX, the natural person has in fact been a victim of fraud, copyright infringement, as well as the fraudulently obtaining of my information, in order to " furnish '' some report. At this time I HAVE NOT AUTHORIZED OR GIVEN WRITTEN CONSENT to the following companies, and to furnish anything on my consumer report. It is my constitutional right to be secure n my papers as well as privacy. THE US DEPARTMENT OF EDUCATION 'S NELNET, AND XXXX XXXX XXXXXXXX XXXX XXXX XXXX have in fact fraudulently placing collections '' on my consumer report. Pursuant to 15 USC CODE 1681 B this is illegal to furnish a consumer report without the consent of myself, 15 US Code 1692J - Furnishing deceptive forms in harassment, trying to coerce me into a " debt. I never and will never have. Also 15 US Code 1692B, a violation in stating I owe adeb, in addition, to 15 US Code 1692 D, in advertising my information and coercing lies. I am enforcing my consumer rights, and constitutional rights. I demand for these account to be removed and deleted immediately. Given They have no standing or proven written consent in the authorization of furnishing anything on my report.
Product: Checking or savings account

I opened the account in XXXX when my XXXX XXXX XXXX XXXX XXXX XXXX XXXX checking XXXX. It was connected to saving XXXX. My XXXX XXXX XXXX XXXX XXXX XXXX XXXX.I spoke with XXXX, XXXX who transferred to XXXX. According to XXXX, escalation rep it was converted to a regular checking in XX/XX/XXXX thus charging {$10.00} per month until now. He claims the requirement was not met. Claim he can only file a complaint & someone will contact in 2-3 business days. If dont hear call back. Requested again to speak Requested to speak supervisor claimed one was not available
Product: Payday loan, title loan, or personal loan

I have received a letter for a debt that is not mine from a collection agency I have NO CONTRACT with. This collection agency has stated that I owe them {$1000.00} and is continuing to ruin my credit file. I have asked them to send paperwork bearing my signature for this supposed debt, stating there is a contract or I have an obligation to pay this claimed debt. I do not know who " AD  ASTRA RECOVERY SERVICE ''  is, nor do I have any type of contract with them that I am obligated to pay them or owe them money. This needs to be removed from my credit file immediately!
Product: Credit reporting or other personal consumer reports

Ive disputed numerous times and with no resolution I am writing to bring to your attention a matter of utmost importance regarding my credit report. I recently discovered that my personal information, compromised during the XXXX data breach, has been sold and purchased illegally. Despite XXXX acknowledging my status as a victim, I am facing challenges in rectifying the unauthorized accounts on my credit report The unauthorized accounts I am requesting to be immediately removed from my credit report are as follows : XXXX. XXXX XXXX XXXX Acct # XXXX XXXX. XXXX XXXX XXXX Acct # XXXX Attached herewith is the evidence of XXXX acknowledgment of my victim status in the data breach. I am seeking your assistance in facilitating the removal of these illegitimate entries promptly to rectify the inaccuracies on my credit report. 

I have made multiple attempts to resolve this issue directly with TransUnion but unfortunately, no action has been taken to correct the discrepancies. Your intervention is crucial in ensuring the protection of my consumer rights and the accuracy of my credit information. 

Please find attached the following supporting documents : XXXX. XXXX acknowledgment of my victim status. 
XXXX. Any additional supporting documentation. 

I appreciate your prompt attention to this matter and look forward to a swift resolution. If further information is required, please do not hesitate to contact me at XXXX Thank you for your assistance in rectifying this serious issue. 

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

A creditor is currently reporting incorrect information to Equifax, XXXX, and XXXX credit bureaus. I sent each credit bureau a letter on XX/XX/XXXX disputing the inaccuracies, however, their research into the disputed did not net the results I requested. I asked for original signed documents/applications associated with the account. I also spoke with the original creditor about the error but was ignored. The item shows up as XXXXXXXX XXXX XXXX on my Equifax report, account opened on XX/XX/XXXX ; the item shows up as XXXX on my XXXX report, account opened on XX/XX/XXXX ; and the item shows up as XXXXXXXX on my XXXX report, account opened on XX/XX/XXXX. The company is reporting inaccurate information, as my wife and I did open an account with these companies on XX/XX/XXXX. As such, I've requested signed documentation that XXXX and XXXX XXXX opened an account with each of these companies on XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report shows an opened account with XXXX XXXX XXXX. 
Account # XXXX, opened XX/XX/2016. I have already disputed this with all three credit bureaus & the XXXX company. This is fraud. I have a fraud alert on all accounts. I need this deleted off my credit report ASAP. This account & inquiry does not belong to me & I did not authorize it. I have disputed this to Experian & it still has not been removed from my credit report. This is damaging my credit & I am demanding it to be removed ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

I dont live in XXXX XXXX XXXX XXXX charge me almost {$200.00} in XXXX instance and again another amount of XXXX something and I dont live in XXXX Ive been living on XXXX since 2015 someone is using my information for services on XXXX I paid my services here on XXXX using the XXXX XXXX and I checked with them on XXXX and they have nothing showing that I owe money. So I found out that its XXXX. Please help clear my credit of fraud.
Product: Checking or savings account

In early XX/XX/2024, I play the XXXX and other type games such as XXXX XXXX XXXX. A man called me on my phone telling me I won a cash award and would deposit a large amount of cash into my bank account. That same day, I went to the XXXX Branch Office of Truist and spoke with a senior customer representative. When I explained to her what the man said she asked if she could call the man and obtain a facsimile of his company and other information about the man 's company to ensure fraud was not taking place. When the bank representative asked for a fax with the man 's information, the msn immediately hung-up the phone. We concluded it was in fact fraudulent. I did not ask the Truist representative to report the fraud because it was evident i would never hear from that person again since he was caught. But The next day as I tried to access my bank account funds, Truist had locked me out of my account. At the time my retirement check had been deposited, my pay check had been deposited, i withdrew money from my credit union and deposited it in my Truist checking account. I had on my Truist account statement approximately {$1100.00} but unable to access it. I called for several month to acquire access to my funds as I spoke with the bank tellers, the fraud department and other bank officers but all i got was to runaround and ambiguous data about my account was being investigated for fraud. why would i fraudulently defraud myself in my own bank account with rent due, electricity due, gas needed for my car, jwater needed to wash my clothes, food for my family, etc. etc. etc. I needed my money. Truist never told me what the exact fraudulent investigation they were conducting or who was the fraudulent entity. Truist just sent me an {$8.00} check and a letter saying Truist can do whatever it wanted to do because i signed some Agreement that gave them the right to do anything with my money. I've never signed anything with Truist because they inherited my business from SunTrust. Whatever happened to the FDIC that's supposed to protect banking customers? Truist took my hard earned wages and kept them. That has to be against the law for a bank to take their customers money without explanation. Please help me right this horrible behavior by Trust or it will become prevalent and excessive class action suits will be filed. In reference tpo the FOIA you have my permission to acquire and/or obtain my final bank statement for XX/XX/XXXX and XX/XX/2024 to ascertain this truth I am submitting to the Consumer Financial Protection Bureau . I have suffered immensely because of TRUIT 's fraud against me. Truin didn't even show good faith by opening me another account automatically and transferring my original monies into another account. They just kept my money and ran with it. My civil rights were violated by Truist and Truist needs to compensate me for the pain, anguish, tormoil and XXXX caused by Truist for my diredt deposited wages not being able to go into my account because of Truist negligent behavior toward a faithful client. Thank you for your help in righting this wrongful action by Truist in dishonoring their customer.
Product: Credit reporting or other personal consumer reports

Urgent Request for Immediate Correction of Inaccurate Reporting : Upon reviewing my consumer reports, I was deeply disturbed to discover significant inaccuracies regarding alleged late payments on multiple accounts where I have consistently made on-time payments. According to the Fair Credit Reporting Act ( FCRA ), consumer reporting agencies are required by law to ensure the highest level of accuracy in reporting consumer information. I have never missed payments on the following accounts : Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) I am demanding an immediate and thorough investigation into these discrepancies, to be completed within four days, as stipulated by the FCRA. You are required to provide definitive evidence, such as detailed account statements, that support the claim of late payments. Failure to provide such proof within the specified timeframe will result in my demand for immediate correction, ensuring the payments are accurately reflected as on-time, in strict compliance with FCRA Section 611, which mandates both accuracy and completeness in consumer reports. 

I have consistently honored my payment obligations on time and will not accept this error. Please rectify this issue immediately.
Product: Checking or savings account

Got a letter from Chase saying the closed my checking account without explanation. I have had this account for several years and have had any issues. Never had an overdraft or any other issue. Called them and was told they did not have to give a reason.
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 XXXX, Transunion, and XXXX to reinvestigate these accounts : Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to establish my identity with Equifax. My identity have been stolen and is being abused. Also I filed bankruptcy in XX/XX/XXXX. XXXX District of Tennessee. XXXX XXXX XXXX XXXXe was included in the bankruptcy. The case number is XXXX. XXXX XXXX XXXX loan number is XXXX. Equifax sent me a copy of my credit report. Yet XXXX XXXX XXXX is no longer listed on my credit report. The property at XXXX XXXX XXXX XXXX TN XXXX, was foreclosed on in XX/XX/XXXX, you states a bankruptcy remain on your report for 10 years. All of my history is being deleted by someone. The property was sold to Tennessee Housing Development Agency in Tennessee. XXXX XXXX XXXX XXXX have been working with me and sending me all transactions. XXXX XXXX XXXX XXXX confirmed they began servicing my loan in XXXX. XXXX XXXX /loan number XXXX was established on XX/XX/XXXX. XXXX XXXX is no longer on my credit report. Yet XXXX-mortgage interest statements have been reported to IRS using my personal information. My social security number and I was told to notify Equifax. You may want to confirm this information with the Trustee XXXX XXXX with the bankruptcy court. Honorable XXXX XXXX is the Judge over the case. I have mailed you a copy of my drivers license, voters registration card and social security card with my name change. And the identity theft affidavit sent to XXXX XXXX XXXX XXXX for investigation.
Product: Credit card or prepaid card

XXXX XXXX closed my frequent flyer account stating that the miles I obtained from citi credit cards were fraudulent. I need confirmation that ALL miles earned through CITI credit card accounts in my name were legitimately earned and that XXXX XXXX did not have reason to close my account due to XXXX XXXX  miles activity of my CITI cards.
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, VA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXX, CA XXXX and XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX have violated my rights. According to the Fair Credit Reporting Act sections 602. Congressional findings and statement of purpose [ 15 U.S.C. 1681 ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I have disputed these collections and they continue to claim they belong to me. I have not given any written consent to publish these collections on my report and refuse to take ownership of a bill that I have no knowledge of. XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, MI XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, CA XXXX both these collection agencies are claiming the same account but have conflicting information which makes it confusing to dispute. Please help me with this issue that is detrimental to my credit health. Thank you.
Product: Mortgage

This is a complaint against Chase Mortgage. 
Reason for the complaint : Chase entered into a contract ( backed up with a commitment letter ) with me and reneged on these terms and offered a completely different package two days after missing the closing date. This ultimatum provided me no options but to accept the revised terms. 

During the 45 day period, I met all financing contingencies in my purchase agreement with the Seller, as these were cleared by Chase along the way. Additionally, I had provided everything Chase had requested and I also received a Commitment letter from Chase to provide the loan. I cleared all contingencies in the Commitment letter. Chase decided just days prior to close that I did not meet the income criteria, ( information that it had all along, a fundamental driver of any loan approval ), and instead provided me a total new loan terms. This was done after providing the commitment letter with the original loan terms. Considering this was done after having missed the original closing date, I had no choice but to accept the new terms. Chase is ethically, morally, and legally bound by its original commitment and I am hoping CFPB will assist me in holding Chase accountable. 

Further details of this complete transaction along with a time line is provided in the attached document.