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

On Tuesday, XX/XX/2018, I contacted Equifax to have a bankruptcy thats reporting on my credit file removed. I supplied them with the identity theft report. That same information was also sent to XXXX  and XXXX ; they both removed the bankruptcy from my credit file, however Equifax has not. Furthermore, Equifax responded stating that the data furnisher verified that the bankruptcy is correct. 

I was told by someone in XXXX Customer service department that XXXX furnishes the data to Equifax. 

I have since then had my personal data suppression request approved and in accordance with section 605B of the FCRA I would like to request that this fraudulent bankruptcy be blocked from my account.
Product: Mortgage

I am a first home buyer. I found a house that I liked and I was accepted an offer on a house. Initially, my wife and I started with XXXX XXXX for our mortgage, but I decided to shop around for other deals. I found XXXX Bank and I and I am in the process to move my mortgage loan with them. It 's true that I have been with XXXX XXXX longer because I initially started with them. I received phone calls from XXXX that they will offer me a better deal ; right now, all I want is for them to close the mortgage and send Appraisal to my XXXX bank. I heard that XXXX are very good at sales but they put pressure on people in order to keep their mortgage with them.
Product: Credit reporting or other personal consumer reports

I didn't authorize this company to run my credit. This is fraudulent
Product: Credit reporting or other personal consumer reports

I called XXXX and transunion to let them know that I noticed unauthorized inquiries on my credit report and wanted them removed. They both told me they are not to remove the inquiry and to send in identification
Product: Debt collection

I recently received Experian credit report. The report indicates that I have a debt in collections. However, I have no knowledge about this debt nor do I know the name of the collection agency.
Product: Credit card or prepaid card

I was alerted to a fraudulent purchase on my Capital One card on XXXX and was sent a replacement card on XXXX. I was unable to activate the new card and phoned Capital One. I spoke to fraud supervisors XXXX and XXXX that day and was told that someone pretending to be me had called Capital One but wasn't able to answer the security questions asked of them so my account was frozen. XXXX asked me if I'd submitted the forms of ID they had requested and I told her no one requested that of me yet and was subsequently told that the ID had been requested from the suspicious caller. She told me to go to any local bank and have the banker call Capital One with me and verify my identity. I went to my bank ( XXXX XXXX ) on XXXX and my banker and I spoke to fraud supervisor XXXX for 45 minutes who said my identity was confirmed and my account was now unfrozen and I could use the card. The next day on XXXX I tried to use the card and it was declined. I called Capital One and spoke to supervisor XXXX who said someone pretending to be my attorney had sent them a letter and that my account had been frozen again. XXXX told me to call back the next day. I called Capital One the next day on XXXX and was told by supervisor XXXX to send a letter to General Correspondence detailing my problem, confirming that I had not retained an attorney and confirming my identification with a Driver 's License and Social Security card. I sent the letter that day dated XXXX. On XXXX I spoke to supervisor XXXX who said my letter had been received and I would receive a phone call from Capital One 's legal dept. within 72 hours which would resolve the issue- no phone call was received. On XXXX I spoke to supervisor XXXX who said I would receive a letter within the next 10 days from General Correspondence which would resolve the issue - that letter never arrived. On XXXX supervisor XXXX told me I would receive a letter within the next 3-5 days from General Correspondence - that letter never arrived. Each fraud supervisor said they were unable to unfreeze my account because they were unable to contact the General Correspondence dept. that had my letter. On XXXX I spoke to fraud supervisor manager XXXX who said that there was no phone number for the General Correspondence dept. I asked him for the phone number of the department or individual who had the authority to unfreeze my account and he said there was no such person and that their General Correspondence could not be contacted by phone and I simply have to keep waiting for a letter. I asked him for his manager 's name and contact number and he said he didn't have a manager and that the phone number was the XXXX number I had been calling for the last month. Manager XXXX confirmed that it had been more than 30 days and I had received no written correspondence from Capital One regarding my complaint. He also confirmed that I have a CREDIT on my account which I can not access because the account is frozen. He acknowledged that I am unable to either use the card, close the account, or receive the money that Capital One owes me from the credit on the account.
Product: Credit reporting or other personal consumer reports

Lexis Nexis has been reporting in accurate multiple banckruptcy records on my file. They havent been able to verify these records as ccurate despite mutiple attempts.This violates the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681n.
Product: Checking or savings account

on XX/XX/2019 I filed a Fraud claim at Wells Fargo - indicating that all transactions with XXXX XXXX XXXX were not authorized - per the contract I signed with them I signed three different times to end the billing authorization. These attempts were not taken seriously. I identified 3 years worth of fraudulant charges with Wells Fargo and XXXX as my foster father was using my funds at his leasure. I reviewed 3 years of banking history and identified the theft of my funds with XXXX XXXX XXXX and XXXX XXXX all whom stated that they filed fraud cases- however they did not. I received multiple letters in the mail indicating that I would receive access to a provisional credit as this was investigated, however this false and never happened. I went to different branches and at the last branch when I was trying to file an additonal fraud claim the bank manager- XXXX instructed me to give her my debit cards- which I did, then she told me she would disable them- she did not. I have not received any provisonal credit after making extensive investigations and claim reports. I was told I would be receieving a check in the mail for the fraud and I have not. All the bankers I met continued to steal from me.
Product: Credit reporting, credit repair services, or other personal consumer reports

cfpb i have made an online dispute with this company and pursuant to 18 USC 8 i owe no debt. the company is violating my consumer right to privacy pursuant to15 USC 1681b ( XXXX ). company also has NO PERMISSION to report ANYTHING using my info pursuant to 15 USC 1681 ( XXXX )
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

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Product: Credit reporting or other personal consumer reports

To whom it may concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit to my Experian Credit Report. 
15 USC 1681e ( b ) Compliance and Procedures ( b ) ACCURACY OF REPORT 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. 
Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. Or a Certification from the creditor that certified the accuracy and completeness of the information/account. 
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be DELETED and if you are unable ro provide me a copy of verifiable proof, you must DELETE the account listed below. 
I demand that the follwojmg account be validated or DELETED immediately : 1XXXX XXXX XXXX  in addition, DELETE all non-account holding inquiries over 30 days old. 
Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. 

Thank you, XXXX XXXX
Product: Mortgage

I have my mortgage through Bank of America. I requested the PMI to be removed. Bank of America is requesting an appraisal of my home to determine if my loan has a loan to value ratio of 70 %. The PMI should have been removed automatically at 78 % of the loan using the original appraisal according to law. My loan was a refinance and only borrowed 80 % of the value of my house to begin with, 10 years ago.
Product: Debt collection

I have made several request to validate the debt and this company has failed to submit me any proof bearing my signature that this debt indeed belongs to me.
Product: Payday loan, title loan, personal loan, or advance loan

I applied for and received a loan from Service Finance Company , LLC for home improvement. The Welcome Letter for the company stated that the company has a portal which allows real time access to my account. 

I have attempted to sign up for this portal each day for the last XXXX weeks. The portal signup has been unavailable. I have called customer support 3 times, and while they were helpful ( and did offer take payment ), they assured me that the site registration would be available within the next few days each time, which it was not.
Product: Credit reporting, credit repair services, or other personal consumer reports

After dismissing an adversary proceeding XX/XX/XXXX, I was told by attorneys including XXXX attorney that they would work with me regarding paying back loan. I am currently unemployed. XXXX only agreed for reduction of payments for 9 months MGRS which is not helpful. The interest accumulates. I have other private loans. I asked for another solution and XXXX said nothing else was available. My loans went back to Citizens Bank the original lender. XX/XX/18 Citizens offered forbearance but the form had to be mailed to me. XX/XX/XXXX XXXX XXXX from Citizens put account on hold waiting for forbearance. I filled out the form and faxed it to XXXX on XX/XX/XXXXas I was advised to and was told again by XXXX that forbearance was not available. XX/XX/18 received letter from XXXX that forbearance was approved. XX/XX/18 spoke to XXXX and told her my credit report was showing delinquent but my loans were in forbearance from XX/XX/18 to XX/XX/18. I am constantly given the wrong information by XXXX even though they escalate the call. I was told by XXXX that Citizens bank  didn't know that I had no options available.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was behind on my car note that resulted in a repossession. The car was in their custody for a total of nine days. The date was XX/XX/2022. I was instructed to pay a payment of {$2200.00} to retain my vehicle. This was to cover XXXX months of payments that I was late on. I paid it on XX/XX/2022. I received my car back on XX/XX/2022 from the lot. I recognized that balance on the account that is not being reported to the bureau in its current state. I also noticed that my car is currently being reported in a closed status but the car is in my possession. I would like the status of my account to be brought back to a open status and the account balance to reflect the amount that it should be after my payment on all three bureaus.
Product: Credit card

I am submitting this complaint regarding fraudulent business debt incurred on my Chase business accounts, including a Chase business bank account and two Chase Ink Business credit cards, without my authorization. The debt totals approximately {$36000.00} and was incurred by XXXX XXXX, who misused my accounts through coercion and fraudulent activities. 

Summary of Events : Fraudulent Activity : XXXX XXXX, a former business associate, exploited my Chase business accounts to incur unauthorized transactions and debt. 
I never approved these transactions, and XXXX misrepresented his intentions when accessing these accounts. 
Evidence of Fraud : I have filed a police report documenting XXXX fraudulent actions and have cooperated with authorities. 
The Federal Trade Commission ( FTC ) is actively prosecuting XXXX for fraud. 
I provided a deposition detailing XXXX coercion and unauthorized use of my accounts. 
Chases terms explicitly state that account usage must be authorized by the account holder, which was violated in this case. 
Impact on Me : This fraudulent activity has negatively affected my financial standing and personal credit. 
I have made significant efforts to resolve this matter, but Chase continues to hold me liable for the debt despite overwhelming evidence of fraud.

Requested Resolution : I request that Chase : Fully investigate my claim of fraud. 
Remove any liability for the {$36000.00} debt incurred without my authorization. 
Cease reporting this debt as delinquent to credit bureaus until the matter is resolved. 
Additionally, I seek CFPB intervention to ensure Chase adheres to fair and lawful practices in handling this dispute. 
Supporting Documentation : I have attached the following : Police report against XXXX XXXX. 
FTC case information regarding XXXX prosecution. 
Deposition excerpts and related evidence proving my lack of involvement in the unauthorized transactions. 
Contact Information : Name : XXXX XXXX XXXX XXXX XXXX XXXX  : XXXX Chase Accounts Involved : Chase ink ending in XXXX Chase Ink Business Credit Card ending XXXX XXXX Chase Ink Business Credit Card XXXX XXXX XXXX I appreciate the CFPBs assistance in resolving this matter. As a victim of fraud, I am seeking a fair resolution to avoid being unjustly burdened with this debt. 

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

Dear CFPB, This is no longer a goodwill attempt. XXXXXXXX XXXX keep on violating my consumer laws by reporting this account to my credit. THEY CONTINUE TO UPDATE AND VERIFY THIS UNFAIR AND INACCURATELY REPORTING ACCOUNT. I am writing to formally dispute an account reported by XXXX XXXX XXXX. In accordance with the Fair Debt Collection Practices Act ( FDCPA ) and relevant federal statutes, I am requesting verification of this debt as stipulated under 15 U.S.C. 1692g, specifically regarding the requirements necessary for collections to exist. Ive already listed the methods of verification my last two disputes.

Under 15 U.S.C. 1692g, a debt collector is mandated to provide verification of the debt upon request. Additionally, the case of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  ), reinforces that all necessary documentation must be provided to substantiate the claim. Furthermore, the requirement set forth in Rule 1002 specifies that an original account must be produced to validate the debt in question.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX Balance : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 XXXX XXXX XXXX filed for collection on my Trans Union credit report. I filed a dispute. Trans Union decided it was a legitimate claim. I called Trans Union and talked to a supervisor and after digging further into it, they decided the account belongs to another person, they even told me their name. Trans Union said they would remove the collection from my account. But now they have decided to leave it on my report and are trying to negotiate a settlement for me to pay to have it removed. Please help.
Product: Checking or savings account

On XXXX XXXX I tried to rent a car to get me back home to XXXX XXXX XXXX through XXXX XXXX XXXX XXXX I am an XXXX XXXX XXXX XXXX XXXX  and my truck broke down outside XXXX XXXX When I put my card information inside the website to XXXX XXXX XXXX XXXX  some how XXXX XXXX  stole my card information and input it in their system. When I got to XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX had no reservation for me. To get me back home to XXXX XXXX XXXX I used reward points I accumulated with XXXX XXXX because I frequently use them. I never even heard of XXXX XXXX until they appeared on my bank statement. I never flown on an airline even associated with XXXX XXXX. I tried to have the charges reversed XXXX times with Wells Fargo for unauthorized use of my card but they are denying my claim. Apparently XXXX XXXX  is telling them that {$720.00} charged to my card is for an airline ticket I bought and I was issued a boarding pass with their airline. I never flown an XXXX XXXX flight at any time in my life neither have a flown out of any airport in XXXX XXXX This information can be checked with the airports and XXXX which Wells Fargo refuse to do so far as I am concerned Wells Fargo investigation into unauthorized use of my card is botched.
Product: Credit reporting, credit repair services, or other personal consumer reports

I already filed my claim with the Attorney General confirmation is added below. I filed numerous looked over compalints with the CFPB in the last XXXX months, XXXX XXXX and made over XXXX XXXX XXXX XXXX XXXX these XXXX XXXX. I mailed and faxed many documents supporting the Institutions even sent letter to fix these issues. 
1.I am not Deceased : I have been claimed as so by all 3 agencies now, but these two have lied and Said they don't see the status, have taken it off and resubmitted it or lied about removing it in a timely manner, haven't gave me a reason of how or why it was added ( Negligents ), have had me get denied credit due to it being added and I wasn't aware, it has locked me out of online accounts and caused my emails to change as well. I su mitted over XXXX XXXX letters and packets with proof and validation and they took over 22 days to even document it into the system. 
XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( account ending in XXXX XXXX XXXX XXXX XXXX  has been OPEN and they have taken as much as 6 months from my initial complaint from calling in to change the status. A closed account, less positive history reporting, and decreasing my avaliable credit has negatively impacted my credit score and potentially caused me to not get funded. I sent proof for XXXX XXXX most recently in XXXX XXXX XXXX XXXX XXXX Most recently in XXXX. XXXX changed the info with no issue these 2 establishments didn't even so much as put " under investigation or dispute '' until within the last 30 days when it should be done asap. They Said they would look into it and not even the CFPB made sure they did. I called SEVERAL TIMES ( please see your notes when you pull my account ) and they kept saying " it's verified as correct '' when I gave them my bank # and letter ( attached ) stating clearly they warned the agencies to change the miscommunication ASAP.. 
Some of the violations BESIDES pain and suffering and time wasted which is subjective are : 15USC 1681a 2A, Civil liability damages violation for {$1000.00} pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681n ], 15 USC 1681b Permissible Purpose of Consumer Reports ( a ) ( 2 ) ,15 U.S.C. 1681n ( a ) and more ***THESE things have caused me lost time, denied applications, and I'm unable to get a car and apartment amongst other things***
Product: Bank account or service

I am having a problem with my bank returning funds which were released to the wrong party. I made payments and they were not received by the intended party yet released and not credited back to me when this was brought to the attention of the bank. I furnished all the detail requested of me to the bank. I have yet to have anyone at the bank reach out to let me know what the status of this investigation is. I have e-mailed at least XXXX times, and telephoned repeatedly to only be told this is going to take more time. The first date the bank made a formal notation was XXXX XXXX, 2015. I had been inquiring about my money prior to this and finally the put my case with their dispute dept. After that I was required to provide check # s, copies, and amounts. From XXXX, 2015 until today I have no idea where this case is or what happened to my money or when I will have it returned to me. I could understand some time but I seems that nothing is being done at all. What ever happened to bank security. I really appreciate any help I can get in a resolution to this problem. 
Thank XXXXOscar XXXX
Product: Credit reporting or other personal consumer reports

In XX/XX/XXXX I made my final payment on my home mortgage with VYSTAR credit union based in XXXX XXXX. I received a letter confirming the mortgage was paid in full shortly after. On XX/XX/XXXX I received a vague email stating that they recently became aware that some paid off mortgages had been reporting to credit bureaus. They did specify what was being reported or for how long. I reached out to them immediately because after checking my credit score with experience I discovered that my credit score had dropped from XXXX to XXXX and a notation of serious delinquencies on a mortgage loan. Which I believe normally indicates that it Is showing at leas XXXX  days past due. I believe I have recently suffered harm by being re-rated and possibly denied coverage. My stellar credit score is essential to my financial life as I own a number of rental properties which require insurance as well as my vehicles. I also would like to mention that this organization was recently fined by your organization for a botched rollout of their on line banking system which also cause me numerous problems in the day to day management of my properties.