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

I opened a mortgage in XXXX with XXXX XXXX. At the time of the mortgage they opened a checking account without disclosing. We attempted to comply to the use of the checking account that we were unaware of as there was a baked in incentive of XXXX off the closing cost of the mortgage by maintaining the account. We had deposited XXXX into the account and never used it as there was no availability to ATM 's locally and we had an established checking account with chase that was meeting our needs. We continued business as usual, and were caught off guard when we received a notice in the mail that our account that we had never used had a negative XXXX balance! I immediately contacted the branch and they agreed to waive the fees as long as I paid back the XXXX dollars we received at closing. I obliged and paid the XXXX back because I no longer wanted to do business with the company. The branch informed us that our balance of checking went into negative because 5 transactions needed to take place monthly. We NEVER were informed of this. We had XXXX dollars in the account as per the mortgage officers instructions and simply thought it was funded and fine. They charged us service fees and overdrafts due to the lack of transactions. I paid the XXXX back and they credited the account. The account now shows on my Transunion credit report as a seriously delinquent account. The other two agencies ( experian and equifax ) removed the account properly but transunion has not. This has cause a deviation of over XXXX points between my score at trans and experian. This is unfair and not correct.
Product: Mortgage

My wife and I purchased our home on XXXX XXXX, XXXX in which we took out a 30 year fixed conventional mortgage. At the time of purchase we had a down payment of less than 20 %, so we had agreed to purchase the Private Mortgage Insurance ( PMI ). Since that time we have made continuous timely loan payments. At the beginning of XXXX XXXX we requested from Chase bank, our current lender that we would like to have our PMI removed off our loan since we received an " Annual Disclosure Notice to Mortgagor '' from Chase that it would be possible to remove the PMI since, we estimated our property value to have improved significantly to exceed the 80 % LTV requirements. We contacted Chase by telephone and they sent us a notice instructing us to submit a non-refundable {$450.00} payment to have the property appraised. Once we submitted the {$450.00}, Chase sent out an appraiser to evaluate the property in which the appraiser concluded that our property value has increase and has improved our LTV to 77.25 %. After the appraiser submitted their findings of the increase home value Chase refused to remove the PMI stating that we need to reach 75.00 % LTV instead of the 80 %. Please help us to enforce the rules of the Homeowners Protection Act of XXXX aiding my wife and me with canceling the PMI upon request of the borrower.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I received an email fro XXXX XXXX stating to visit the store before my loan can be approved. I was at work at this time and had no knowledge of it. I called at XXXX XXXX on XX/XX/XXXX and XXXX XXXX who then advised me to call law enforcement to report it as fraud. I called XXXX XXXX  again and XXXX XXXX who advise me to send her my police report via the email she sent attached with all requirements on XX/XX/XXXX. I received my police report XXXX because it was a corrected one from XX/XX/XXXX that wasn't filled out correctly. On XXXX I called XXXX XXXX and XXXX XXXX and she stated she will send me a relief letter in the mail in 7-10 business days but allow 60 days to be removed from my credit report. I waited until XXXX and called XXXX and XXXX XXXX. She advised me that she see the request to remove the inquiry and to allow 30 days and game me XXXX as a confirmation number. I checked my report on XX/XX/XXXX and the inquiry is still there. I called XXXX at XXXX and XXXX XXXX which told me she see the notes for the inquiry to be deleted but it still show on my credit. Now she tells me she don't see the info that XXXX XXXX sent to them for it to be deleted. I asked for a supervisor and XXXX XXXXXXXX. He advised me that XXXXXXXX XXXX reported again in XXXX and readded admission of inquiry therefore its still on my credit. I have all of the paperwork even the letter from XXXX XXXX. I just want this removed from my credit file. I can prove I was at work and no computer access to even file online.
Product: Debt collection

I filed a dispute with XXXX in reference to a debt collection company called Diversified Consultants and the results of the dispute stated that the debt was verified. In the dispute letter that I sent to XXXX I speciaffically stated the following : " Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts?
You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.
The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately ''. According to letter I sent and the law they are to provide me with a original contract and I have not recived it. XXXX reported that is was verified and that the company was not required to send them any documentation verifiying the debt. I then contacted Diversisfied Consultants and they said that they did not have an original contract and that they did not have to provide the contract to me or the credit bureau. According to the FCRA it is required by law by the collection agency and XXXX to provide the original signed doucuments proving that this is my debt. All I want is the proof and if they can not prove this is my debt I would like it to be deleted from my credit file immediately.
Product: Debt collection

15 USC 81B 18 USC 1028A Will you please verify that the information reported is 100 % accurate and that you can fully verify it. Otherwise, will you please remove it from my credit report?
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my Follow-up request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

I AM A VICTIME OF IDENTITY THEFT. THE FOLLOWING ACCOUNTS WERE USED UNAUTHORIZED. 
REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT I AM DISPUTING THE ATTACHED ITEMS AS A RESULT OF IDENTITY THEFT. 
MY INFORMATION WAS USED WITHOUT MY CONSENT AND NOW I HAVE THE FOLLOWING ITEMS ON MY CREDIT REPORT AS A RESULT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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

Subject : Urgent Complaint Regarding Fraudulent Nordstrom Account Dear Consumer Financial Protection Bureau, I hope this message finds you well. I am writing to bring to your attention a persistent issue regarding a fraudulent Nordstrom account that has plagued my credit profile for some time now. Despite numerous attempts to rectify the situation, the account remains active, causing significant distress and financial harm. 

I have reported this Nordstrom account multiple times as fraudulent, yet to no avail. Explaining that my identity was stolen in XXXX without my knowledge, the perpetrator even files taxes for XXXX and XXXX under my name. I had to go to IRS to verify my identity for this as well. Regrettably, the account continues to linger on my credit profile, adversely affecting my financial standing. What is even more concerning is the fact that Nordstrom has associated a fraudulent address with this account, claiming it to be mine. 

The address in question, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX, has been falsely linked to me. I want to clarify that this address has never been, nor is it currently, associated with me in any capacity. Upon investigation, it has come to my attention that this address corresponds to a corporate building purportedly affiliated to Nordstrom. 

During their investigation, Nordstrom provided erroneous information to XXXX, claiming that the aforementioned address is mine. This misinformation not only exacerbates the situation but also serves to highlight the severity of identity fraud associated with this account. 

I urge you to intervene promptly and take necessary actions to address this matter. It is imperative that the fraudulent Nordstrom account be removed from my credit profile immediately, and appropriate measures be taken to rectify the damage caused. Furthermore, I request a thorough investigation into Nordstrom 's practices regarding identity verification and account handling to prevent similar incidents from occurring in the future. 

I appreciate your attention to this matter and look forward to a swift resolution. 

Sincerely, 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. 

Account Name : XXXX  Account Name : XXXX Account Name : XXXX Account Name : XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX Account Name : XXXX XXXX Account Name : XXXX Account Name : XXXX  Account Name : XXXX and 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 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 or other personal consumer reports

See attached files. I have not authorized any of the inquires outlined in the attached document. Some of these inquires hit my account on numerous dates.
Product: Vehicle loan or lease

I am writing to delete the following information in my file. These items I need deleted contain inaccurate information and must be deleted as soon as possible. I am a victim of identity theft and did not make these charges. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's identity Theft Affidavit. Please delete the items as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I was buying a car and the dealership kept running my credit after I told them run it once.
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 or other personal consumer reports

I would like to bring to your attention that, as defined by 15 USC 1681 ( a ) ( 2 ), " consumer reports '' do not include any reports containing information solely as to the transactions and experiences between the consumer and the " person '' making the report. In this context, the term " person '' includes corporations like Early Warning Services. The mentioned events, such as NSF occurrences, overdrafts, and account closures, are considered " transactions and experiences '' that occur in a private business relationship between myself and my bank, not between myself and Early Warning Services. I never opened an Early Warning Service line of credit account, and therefore, these events should not be reported by your agency. Furthermore, the financial institutions sharing this information with Early Warning Services are not related by any common ownership or corporate control, making Early Warning Services a non-affiliated third party. According to the Fair Credit Reporting Act, the trafficking of consumers ' nonpublic personal information to any non-affiliated third-party consumer reporting agency, without proper authorization, is considered identity theft. I want to emphasize that I, as a consumer, did not provide written authorization to any of the financial institutions involved to share my banking records and history with Early Warning Services. This sharing of my nonpublic personal information with your agency constitutes a separate transaction that occurred outside of my normal business activity with these banks and took place without my written consent or notice to opt into the sharing of my personal information. Moreover, 15 USC 1681 ( d ) specifies that any " person, '' including corporations like Early Warning Services, may not procure a consumer report on any consumer unless it is clearly disclosed to the consumer that an investigative consumer report may be made. This disclosure must be in writing or mailed to the consumer no later than three days after the date on which the report was requested ( inquiry date or first transaction date ). I, as a consumer, did not receive any written disclosure from Early Warning Services regarding the creation of a consumer report detailing my banking history, transactions, account overdraft status, and overall banking record. To validate the legitimacy of your claim that I provided written authorization for the creation of such a report, I request that you provide a certified mail tracking number and a return receipt showing my name and address as the recipient. If you are unable to furnish this proof within the dispute period of 30 days, I insist that you promptly delete all the transactions and experiences you are reporting about me as a consumer. I appreciate your prompt attention to this matter and expect a thorough investigation into the inaccuracies outlined in this letter. Your compliance with the FCRA is crucial in ensuring the accuracy and fairness of consumer reports. I look forward to your prompt response. Below is a copy of my Drivers License to validate my identity. I am the one disputing this.
Product: Credit card

Barclay Card close my credit card account without telling me why. I 've not been delinquent on any payment, nor have I missed one. They kept my hard earned rewards - about XXXX worth - without giving me even a simple explanation. I did n't do them wrong but they sure did me.
Product: Bank account or service

I had an accident XX/XX/XXXX, and state farm issue a check which was in my mother in law name, however upon her signature I deposit the check into my account to get the car fixed. This was done on XXXX/XXXX/2016 and to this day going back and forth. Regions giving me misinformation about they were returning the check to getting a call stating they can hold up to XXXX years to the check was return by state farm and no funds deposit. In speaking with a bank rep. I called state farm who advise they clear the check, and could not reissue another because the check was clear, however no funds was deposit into my account by regions but yet they still are holding the check. When speaking to any rep at regions they all have different stories, and now saying they have XXXX years. Heck no either dopist or send back to state farm. I would never refer anyone to regions, and I am closing my account.
Product: Credit reporting or other personal consumer reports

I submitted a dispute through XXXX to correct an error regarding a car loan through XXXX XXXX that shows that the loan was discharged due to a XXXX  XXXX. That information is incorrect. The loan was not discharged due to a XXXX  XXXX. As a matter of fact the XXXX  XXXX was dismissed. It was never XXXX. XXXX XXXX was initially listed as one of my creditors on the XXXX  XXXX filing, however the loan was satisfied the year before by my insurance company, XXXX, and my XXXX XXXX as a result of a XXXX that caused my car to be totaled. The loan was paid in full from both parties. I have documentation supporting that fact.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and Im submitting this complaint myself and there is no third party involved. I sent XXXX  an Affidavit of Truth, Bill of Particulars and Cease and Desist that was sent and delivered XXXX XXXX according to USPS. XXXX defaulted on the Affidavit of Truth. 
XXXX has reported to consumer reporting agencies, without my consent, that I owe an alleged debt however that alleged debt is being reported in a positive balance. It is impossible to pay/owe on a positive balance, if it was an actual debt and is owed it should be shown in the negative. 
They are now reporting the account as closed, charged off as bad debt ( when again the debt was never mine to begin with ) and they are still reporting a fraudulent balance. This alleged debt is not an actual debt that I owe. Also if the account has been charged off it should not still reflect a balance due, the fact that it does is fraudulent. 
XXXX has still failed to balance out my account every month to rectify their bank error caused by their mismanagement of payment. XXXX has yet to produce an Insurance audit trail, a money audit trail in accordance with XXXX, or full disclosure in accordance with 15 USC 1681g and all other documentary evidence in accordance with 15 USC 44 which I demanded. XXXX was sent a Conditional Acceptance which was delivered and left with an individual of the company XX/XX/2021 which they have failed to respond to with in the given timeframe. 
As a result of these documents being sent to restore my financial reputation, XXXX not only reportedly raised the APR on the loan to an outrageous amount but now are reporting false and fraudulent information that comprises my financial reputation which is an attempt to discriminate against me pursuant to 15 USC 1691 ( a ) ( 3 ).

I will state again pursuant to 12-1641, as XXXX has failed to resolve my concerns within sixty days this alleged debt must be discharged.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act everything has to be 100 % correct. 

XXXX XXXX :XXXX The credit bureaus stated my account was properly investigated but the account type, the open date, credit limit, high credit, last reported, date last active, and the date of last payment are not accurate. This is ground for removal. 

They have also violated my rights under 15 U.S.C 1681 section 602A. It states I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 ; Also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit card or prepaid card

On XX/XX/XXXX, I was making a payment via a different account and found out they had closed my account. They stated that the Terms of Service states that with 2 return autopays in a 6 month period, they can close the account. I have not missed payments but do to the corona virus, I paid with my saving account. I was paying 10x more than the minimum due every time, I called on the XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. The last time I talked to the office of the President to try and get my account back open. They stated that had mailed me notices that the auto pay was going on and that no mail had been returned, I told them I have never received an mailing, then they changed there reason saying they e-mailed me, They had the wrong e-mail. They were rude about it and did not care, that I had been a customer for 28 years. They have tread me badly, if there was an issue they could have called, for they have in the past.