23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

As of XX/XX/2020, I have sent monthly letters to JPMC asking them to provide that those accounts are indeed mine. All letters are attached to this complaint. I have not received anything from that JPMC to justify their collecting attempts and reporting it on all three credit bureaus. Where in their comments on my credit report they stated " meets FCRA 611 ( 15 U.S.C. 1681I ) requirements ''. I sent out letters pertaining to these account they are reporting to the credit bureaus and in no WAY are they are " MEETING FCRA REQUIREMENTS ''. I asked for verification and I have received nothing. Per FCRA requirements, if I am not supplied with the evidence after 30 days THOSE ITEMS WILL BE DELETED FROM ALL THREE CREDIT BURUREAS.
Product: Credit card or prepaid card

Chase Freedom Visa is changing the terms of my agreement including what constitutes a " cash like '' transaction. I would like to prevent the card from being able to make a " cash like '' transaction, but they informed me it is not possible to do. I then asked to reduce the cash advance limit to XXXX $ and they also informed that is not possible to do. My XXXX XXXX Visa has no problem setting the limit to XXXX . By not honoring my request, Chase is forcing me to cancel the Chase card and obtain a new card from another financial company, which will have a negative impact on my Credit Rating. The Federal Government should regulate Credit Card companies to force them to provide a means to disable unwanted ( features and fees ).
Product: Credit reporting or other personal consumer reports

I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 

XXXX - XX/XX/XXXX XXXX following inquiry was not and should not be reporting. 
XXXX - XX/XX/XXXX The following inquiry was not and should not be reporting. XXXX XXXX XXXXXX/XX/XXXX The following inquiry was not and should not be reporting. XXXX - XX/XX/XXXX The following inquiry was not and should not be reporting. 
XXXX - XXXX following inquiry was not and should not be reporting. 
XXXX - XX/XX/XXXX The following inquiry was not and should not be reporting. 
XXXX - XXXX following inquiry was not and should not be reporting. 
XXXX XXXX XXXX  The following inquiry was not and should not be reporting. 

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.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. 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 ) ( a ) 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: Debt collection

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. The account THOMAS AGENCY which opened XXXX XXXX, XXXX is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to XXXX XXXX XXXX  but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.
Product: Credit reporting or other personal consumer reports

I am reaching out to provide an follow up regarding my previous complaint concerning the incident in which I fell victim to identity theft. Once again, I wish to reference FCRA Section 605B, as outlined in 15 U.S.C. 1681c-1. This provision mandates that Credit Reporting Agencies must expunge and prohibit the inclusion of any items specified in an identity theft report. Kindly examine the attached documents to facilitate the process of expunging the inquiries that have appeared on my credit report without authorization. Below, you will find a comprehensive list of these unauthorized inquiries that have adversely affected my credit history XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX by Certified Mail # XXXX XXXX XXXX XXXX XXXX Equifax was notified the creditors in question had not replied with a validation response. 
Again on XX/XX/XXXX by Certified Mail XXXX XXXX XXXX XXXX XXXX Equifax was requested to provide the reporting documentation as required by Fair Credit Reporting Act Section 609 ( a ) ( 1 ) ( A ) Equifax It has been over 45 days You Have Failed to Provide the required documentation according to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are in default of federal law to verify - through the physical verification of the original signed consumer contract - and provide me the Consumer your verified proof of the accounts in question you posted on a credit report.

Equifax you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

As per Federal Law under the Fair Credit Reporting Act EQUIFAX is Required to send the following information EQUIFAX used to verify the validity of accounts listed below XXXX XXXX XXXX XXXX, No Contract, No Mortgage The Name of the Original Creditor The Original Creditors address & telephone number The name of the person ( s ) you verified the disputed information with The certified documentation in possession used to conclude your investigation The documents and all correspondence information that was transmitted to and from the data furnisher ( alleged Creditor ) as part of the investigation. 
Equifax it has been well over the time limit set by the Fair Credit Reporting Act to provide me with the Proof required under this Federal Law. 
This is your Notice of default. I requested the following information & verified proof XXXX received from the Listed accounts.. to date you have responded with no Proof. or documents only your standard chain letters.. this is in violation of federal law and fines will be imposed. 
Equifax was Notified of the information and facts on XX/XX/XXXX XXXX and still has not produced the required information by Federal law. The law is very precise on what Congress said is to happen Equifax is in violation of this Act of Congress and should be accessed fines as outlined in the Law for fraudulent credit reporting
Product: Credit reporting or other personal consumer reports

XX/XX/2024 I went onto XXXX  XXXX XXXX website to check for offers for a credit card. XXXX XXXX XXXXXXXX website showed check for offers wont affect credit score. 
I was just able to log into experian website today XX/XX/2024, to view my credit report. I have a hard inquiry froXXXX XXXX XXXX XXXXXXXX what shows it will be on my report for 2 years. I never ever authorized XXXX XXXXXXXX XXXX to do a hard inquiry on my credit report. I contacted XXXX XXXXXXXX XXXX online they refused to assist, I contacted experian today rep refused to remove, rep told me to contact the company. I want this inquiry from XXXX XXXXXXXX XXXX removed from my report I never authorized a hard inquiry, they used soft inquiry online and it wont affect credit score which is deceptive
Product: Student loan

I had a sixty day late notice from Discover student loans on my credit history. I have tried to understand how this happened and have come to believe I have been the victim of entrapment by them. I only want the late notice removed from my account. 
I have already complained and their response was dismissive and had questionable statements. 
I will attach a document detailing this complaint and my interactions with Discover student loans.
Product: Credit card or prepaid card

I received a statement saying that the bank citizens one did not receive my XXXX $ Monthly payment for the month of XXXX. I never even opened an account with this bank
Product: Credit card or prepaid card

This account was set up to receive donations direct deposit for a fundraiser to raise money for XXXX treatments. On XX/XX/2020 at XXXX am this card received the first deposit of {$1200.00} was accepted by Bluebird by American Express into the account, at XXXX am the same morning I received an email from Bluebird saying that I had violated their member services agreement and the account was permanently suspended. There were no details of how I possibly violated the agreement. I called the customer service number and got an automated message saying that the account was permanently suspended and an email was sent with details and then the call hung up. I called from a phone not associated with the account and after several minutes of choosing options from their automated system, I chose to report a stolen card and was able to speak with a person. They refused to give any details and told me that I would need to have the issuing institution request a reversal to retrieve the funds that had been deposited. I did that and Bluebird denied the reversal. I called again today, XX/XX/2020 and told them that the reversal was denied and I needed to know what to do the retrieve the {$1200.00} that had been deposited to the account. They refused to return the funds. We have the entire call recorded and will be happy to provide it. These funds were donations from friends and family to help pay for XXXX treatments and medical costs. I feel that Bluebird by American Express has stolen these funds.
Product: Debt collection

Companies failed to send any notice about the debt, and I only became aware of it through persistent calls from unknown numbers, which seemed suspicious. It wasn't until the debt appeared on my credit report that I realized its source. Despite settling with the companies and having a recorded promise for a pay-to-delete, they failed to provide the agreed-upon documentation, and the reported address was incorrect, raising doubts about the validity of the debt.
Product: Vehicle loan or lease

Auto loan contracts require one to maintain comprehensive and collision physical damage insurance on behalf of the lender throughout the term of the loan. I already had insurance coverage and a shop where repairs could be handled if necessary. Therefore, this additional coverage was neither necessary nor required. However, Santander through its third party representative, XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX ) placed XXXX XXXX XXXX insurance on the vehicle in 2013, and I was not made aware of the charge at the time. The additional charges financially harmed me totaling {$2500.00} dollars which was never refunded. I contacted the company and requested cancellation which was approved and was informed that Santander Consumer USA would be responsible for refunding the dollar amount applied to the loan within 8-10 weeks. ( See attached letter ). However, as of this date, I never received anything and it resulted in a high loan payment. Subsequently, I contacted the company and requested that they come and pick the vehicle up and advise me of the date of their arrival. Santander is reporting that the amount was charged off with an incorrect amount in which they doubled to make it show up on my credit report as thou I owe them {$5100.00}. Santander never refunded the {$2500.00} illegally added to the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company is reporting a inaccurate account on my consumer report and has been doing so since XXXX I have sent numerous letters since XXXX asking for validation they did not provide any procedures and steps they took to validate this account but told me it is accurate. According to the fair credit reporting act every information being reported must be 100 % accurate and verifiable
Product: Checking or savings account

Date:XX/XX/19 Time:XXXX Citibank ATM ID XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NY I called and indicated that I deposited 3 checks totaling around {$1200.00}. The bank said it will investigate and will take 10 business days. I have few payments that need to be processed and some check payment will be bounced because my account will have a negative balance but the bank said they cant do anything annoy it because of the system issue. This bank is a global bank so how could this happen? I had similar issue with XXXX last year but they were able to temporarily reverse it so that I dont have to be in such situation that I encounter additional fees since it isnt my fault.
Product: Credit reporting or other personal consumer reports

I am contacting you about the compromising of my social security number. I am a victim of Identity Theft, someone accessed my online accounts and these fraudulent accounts were opened. I already filed a Identity theft FTC report # XXXX which is attached. Please remove these fraudulent accounts off my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did NOT authorize : 1. The following account is NOT MINE : CREDIT COLLECTION SERV Date opened : XX/XX/XXXX, account # XXXX XXXX. The following account is NOT MINE : XXXX XXXX XXXX XXXX, account # XXXX Date opened : XX/XX/XXXX Please remove it from my credit report. 3. The following account is NOT MINE : XXXX XXXX SOLUTIONS Date opened : XX/XX/XXXX. Please remove it from my credit report. 4. XXXX XXXX XXXX, XXXX opened : XX/XX/XXXX, account # XXXX. Please remove it from my credit report. 5. XXXX XXXX XXXX, XXXX opened XX/XX/XXXX, account # XXXX. Please remove all information resulting from Identity Theft pursuant to FCRA XXXX ( XXXX U.S.C. & XXXX XXXX ) which states that these accounts must be removed within XXXX Business Days of receipt. Also, please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past XXXX months. Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

On XXXX XX/XX/24, Barclays Bank made an inquiry on my credit report and I did not request any card. I would like them to remove that from my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm to understand that XXXX XXXX XXXX operates XXXX  XXXX XXXX. 
I've been battling with XXXX  XXXX XXXX and the company they sold the account to before bankruptcy, XXXX XXXX XXXX. They are reporting inaccurate information to my Experian Credit Report. I've asked repeatedly for this to be fixed or for the account to be deleted. XXXX  XXXX XXXX  has contradicted themselves by saying it is XXXX XXXX XXXX who is to fix issues, but when told that XXXX XXXX XXXX states it is XXXX XXXX XXXX that is reporting the inaccuracies, XXXX XXXX XXXX changed their story while continuing to refuse to fix the issue. 
By refusing to comply with the FCRA and fix the inaccuracies or delete them, my consumer rights are being violated and violations of the FCRA are being committed. This needs to be resolved. Predatory companies like this, should be put out of business when they don't abide by the law.
Product: Credit reporting or other personal consumer reports

My credit score is very low due to identity theft. I have multiple accounts on my credit report due to be fraudulent accounts. Ive been reaching out to Equifax about this matter and they continue to ignore me. Ive been having trouble buying a house because my credit score is very low due to Equifax not deleting the accounts, which I asked them to do. This is an inconvenience to my life if I didnt have family members to support me I would be living on the streets, thanks to XXXX I have a roof over my head for the moment. Ive sent Equifax multiple documents, such as my ID, Social security card, FTC report, Police Report, Multiple Dispute letters, also laws stating that they are violating my rights. Between XXXX XXXX they deleted the closed the accounts for good and a few days later they reappear back on my credit report! Equifax is giving me a hard time to delete the accounts. Ive since then took legal action to file a complaint and lawsuit with Equifax my lawyer has set everything up for me to do so. This is my last time reaching out to Equifax for this matter Im taking Equifax to court. Due to many laws my lawyer has taught me that Equifax arent doing their job its multiple inaccuracies on account they are not reporting the right information! Hopefully they can get it together and delete the accounts before I pursue the issue. I just want the accounts the deleted that I asked for. Also on my other Credit reports these accounts where deleted by other credit bureaus. This is an inconvenience to my life right now I just want these items deleted!
Product: Payday loan, title loan, or personal loan

I received a pre-approved offer from this bank which lied about the APR. They told me what the rate would be, and it is way higher than Illinois ' 26 % APR. I never authorized the hard inquiry and did not accept any loan from them. They have been spamming my email and I had to block them. 

I have called Rise and they said there was nothing they could do. I would like them to remove their hard inquiry from my report since they were dishonest about the rates and did do a credit check before telling me their rates. 

Thank you
Product: Consumer Loan

I open an account with Lendmark Financial, XXXX, GA XXXX, in XXXX 2015 for {$5000.00}. Today, I called and ask for my payoff balance and the manager XXXX stated my payoff is {$4900.00}. 

She further stated the reason why the balance is still high is that when I paid two or three payments in advance I should have still made payments the following months so the interest would not continue to accrue. 

She also stated I was charged late fees of {$30.00} from making payments 1 or 2 days after due date. This is unacceptable because when I initially open this account I set it up for automatic debit. 

As of today, I have paid over {$2300.00} plus late fees and my balance is {$4900.00}. 

Your assistance is greatly needed and appreciated in this matter because I really do n't want to ruin my credit.
Product: Mortgage

A loan modification request was submitted on XXXX/XXXX/2016 to Nationstar mortgage 37 days prior to a sale date ( Hereto attached ). A letter was received from Nationstar on XXXX XXXX, 2016 advising us who the assigned representative was and to contact them if we had further questions regarding the status of the loan assistance ( Hereto attached ). A missing documents letter was never received from Nationstar within 5 days of the submission advising us the package was incomplete. On XXXX/XXXX/2016 Nationstar moved forward with requesting a sale date for XXXX/XXXX/2016 rather than suspending the foreclosure while the borrower was in the loan modification review. Nationstar was aware of the borrower 's legal counsel and spoke to the borrower advising they only received XXXX pages of the package on several occasions during the week of XX/XX/XXXX-XX/XX/XXXX, thereby disregarding our Notice of Representation advising there should be no further communications rather verbal or written with our client due to the borrower 's legal representation. The package was resubmitted on XXXX/XXXX/2016. Nationstar 's disregard for the HAMP and CFPB Directives as well as their disregard for Non-Communications with borrower 's under legal counsel is reflective of their neglect and duty as a servicer.
Product: Mortgage

We have a signed purchase agreement with nationstar bank on a bank owned property which they now refuse to honor. They lost the DIL for over a year and now have a replacement deed. they will not even talk to us at this point and are trying to resale the property right now. We are ready to close on the property.
Product: Credit reporting or other personal consumer reports

To whom it may concern, I am writing to inform you about a very alarming and important issue regarding the compromise of my social security number, which has resulted in me being a victim of a data breach and identity theft. To address this situation promptly, I have already contacted the Federal Trade Commission and filed an FTC Report which is enclosed with this correspondence. By 15 USC 1681c-2 c ( a ), it is imperative that you, as a credit reporting agency, take immediate action to block and remove all information associated with this identity theft from my credit report. This statute mandates that credit reporting agencies must promptly address such requests within four business days of receiving a complaint that includes the following information : XXXX XXXX XXXX - XXXX - My information was compromised in the XXXX data breach, and unrecognized, fraudulent items have appeared on my credit report. These undocumented claims are invalid and non-compliant with reporting standards. I request immediate deletion of these items and proof of compliance for this account, as the FTC is investigating. 

XXXX XXXX XXXX - XXXX - My information was compromised in the XXXX data breach, and unrecognized, fraudulent items have appeared on my credit report. These undocumented claims are invalid and non-compliant with reporting standards. I request immediate deletion of these items and proof of compliance for this account, as the FTC is investigating. 

XXXX XXXX  - XX/XX/XXXX - This company has requested and obtained a copy of my consumer report without my consent or permissible purpose in violation of the Fair Credit Reporting Act (? FCRA? ), 15 U.S.C. 1681, et seq. Under the FCRA,? Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both.? 15 U.S.C. 1681q. This conduct has violated my privacy and I am very upset by the privacy invasion. DELETE this from my report asap! 

XXXX - XX/XX/XXXX - This company has requested and obtained a copy of my consumer report without my consent or permissible purpose in violation of the Fair Credit Reporting Act (? FCRA? ), 15 U.S.C. 1681, et seq. Under the FCRA,? Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title XXXX, imprisoned for not more than 2 years, or both.? 15 U.S.C. 1681q. This conduct has violated my privacy and I am very upset by the privacy invasion. DELETE this from my report asap!