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

This CFPB complaint has been filed to request under pursuant to FCRA 605B ( 15 USC 1681 c-2 ) that you, the Equifax credit reporting agency , block information appearing on my credit report that is the result of Identity theft, Equifax data Breach, and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of the following accounts XXXX XXXX : Account number : XXXX, XXXX XXXX : Account number : XXXX, XXXX | XX/XX/year>XXXX XXXX  : Account number : XXXX, XXXX | XX/XX/year>, and ( Original XXXX XXXX XXXX  ) : Account number : XXXX. 
These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I DO NOT RECOGNIZE THE AFOREMENTIONED ACCOUNTS, COLLECTIONS AND HARD INQUIRY APPEARING IN MY CREDIT REPORT MAINTAINED BY YOU WERE NOT OPENED, MADE OR INITIATED BY ME. ALL OF THE MENTIONED ACCOUNTS ARE THE RESULT OF IDENTITY THEFT, EQUIFAX DATA BREACH AND FRAUD. ATTACHED TO THIS IS A COPY OF FTC IDENTITY THEFT REPORT AS PROOF FROM US FEDERAL TRADE COMMISSION.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was denied credit based on my age. 
I have an 750-800 credit score and I am over XXXX years of age. 
I have no late payments. 

Khols decided to deny me credit in any amount, even though I had income and assets enough to make payments.
Product: Mortgage

I have attached the complaint which makes it easier to read. Bottom line, GR Mortgage contracted to deliver a 30 year 3.375 % interests rate mortgage and then did not deliver yet we delivered. This company is a con artist of the largest proportions and has cost of hundreds of thousands of dollars due to the illegal conduct. We need you help in finding a resolution immediately since they did not feel at all obligated to us yet the consumer delivered and GR Mortgage did not.
Product: Debt collection

XXXX XXXX XXXX XXXX has placed an account with a collections company stating that I owe a balance of {$670.00}. CBCS is reporting this debt from XXXX XXXX XXXX XXXX to my credit report. This collection agency is incorrect about this debt belonging to me. This incorrect information is placed on my credit report and is affecting my credit report and credit score.
Product: Money transfer, virtual currency, or money service

I have been trying to cash out my money from cash app for the last 5 days which has now affected my credit because of their negligence. It is now adversely affecting me financially because they are not releasing my almost {$5000.00} of my money!!!
Product: Credit reporting, credit repair services, 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. 

XXXXXXXX XXXX XXXXXXXX : XXXX, XXXX XXXXXXXX TX : XXXX, XXXX XXXX ( XXXX ) : XXXX, XXXXXXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX : XXXX, XXXX XXXX XXXX : XXXX, XXXX XXXX : XXXX, XXXX XXXX : XXXX, XXXX XXXX : XXXX, XXXX XXXX XXXX IN : 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: Debt collection

Jefferson Capital Systems has reported a collection on all XXXX credit reporting agencies. I have sent debt verification letters to the address listed here on XX/XX/XXXX and XX/XX/XXXX with no response. I never received a letter or statement from Jefferson Capital regarding this issue. The dates stated on this account are innacurate. I did not open an account with XXXX in XX/XX/XXXX. I have not had any dealings with XXXX since XX/XX/XXXX and the account was settled. This account seems to be closing and re-opening on my credit file. This company is stating that I owe the amount of {$830.00}, but no proper validation has been received. I request that Jefferson Capital verify the following information. 1. Full original Account Number 2. Date original Account was opened 3. Any written agreements between myself and the original creditor stating this debt is owed 4. Full account summary and itemized calculation of alleged debt 5. Date of the first delinquency 6. Dates and times of any phone calls made and to what number in attempt to contact me concerning the alleged debt before it was reported to an agency, and so proving that these calls were made in the times governed by FDCPA law. If Jefferson Capital Systems is unable to provide the above identifying account information, this account must be deleted from all credit reporting agencies. Jefferson Capital Systems also failed to follow FDCPA by not sending a letter giving the consumer time to dispute or validate the alleged debt within the allowed 30-day time frame that is allowed by law.
Product: Credit reporting or other personal consumer reports

First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy.

Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted the following companies any permissible purpose. They are in strict violation of this code. I need the following account ( s ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 


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

I did not authorize these on my credit report please remove them from my credit immediately. 

XXXX  - XX/XX/year> XXXX- XX/XX/year> CAP ONE AF - XX/XX/year> XXXX XX/XX/year> XXXX
Product: Checking or savings account

I opened an account with XXXX, invested over {$1000.00}. A few months later, they said they did not have the funds and that instead of filing for XXXX they were going to give back 30 % of my investment. Advertising said that my investment was backed with a 110 % guarantee.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am sending this letter to investigate this inquiries this are either fraudulent, illegal, or made without my authorization. 




XXXX XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I have updated the account number that your company 's record on my credit report. You mentioned last time that you could not find my file because it was showing a different account number but now that I have updated I hope there will be no more reason for you to not send me the letter of validation. please attach your response to your complaint just to be sure that I would receive it. Thank you!
Product: Debt collection

After informing IQ International to stop calling until we here back from the CFPB, the representative advised that we are refusing to pay and she is going to report us for refusing to pay. She is still calling multiple times a day after we explained we do not wish to talk to her, and we have already filed a complaint. She is still being unprofessional and making threats. We are submitting a second complaint due to harassment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attached an FTC report with inquiries I did not authorize, please delete them ASAP they are affecting my life
Product: Credit reporting or other personal consumer reports

I was a part of equifax data breach and my information was used to obtain fraudulent credit accounts
Product: Mortgage

I have been having a problem with Chase in prepaying my mortgage. My loan has never been late. the only thing i do is prepay. I have had the loan for 14 years and just recently been having this problem.. 

I pay directly online thru Chase Website. I have an adjustable ( option arm ) and the Chase payment site gives me a minimum payment and 15 year payment option. i have been paying the 15 year option. The last 3 months it has been continuously misapplied. The system clearly gives me the month due and the payment options. I confirm and receive a confirmation of payment The problem is that when i look at the history to the account it shows as either prepayment or unapplied funds. But in every case it shows still due for the month that i paid. In other words i paid just recently XXXX payment as you will see by the documentation, but when i log back in the last two weeks it is still showing payment due for XXXX. This payment was made on XXXX. I have called 3 times to try and get this rectified. I have also had to call each of the previous months. 

I am told that the interest rate hasn't adjusted so i can't prepay my loan because they don't know how to apply it ... I said..the system gives me the payment available and i pay it and it confirms payment, so what is the problem..apparently the system is wrong ... i told them to then fix their online payment system it feels like i am being prevented from prepaying my loan and I am consistently calling to educate Chase team on how to apply my payment. There is a disconnect between the direct online consumer site and the servicing department and this needs to be rectified ... I have industry background so i know what i am looking at. But i feel for XXXX XXXX Consumer who has no idea as these kind of system glitches and errors could be costing them much many in additional interest. 

I asked to speak to XXXX XXXX but was not granted access.
Product: Debt collection

Repeated robot calls for a different person of my last name only. They are using me for there fishing expedition.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX NOWCOM/WESTLAKE FINANC XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX FINGERHUT/WEBBANK XX/XX/XXXX CONSUMER PORTFOLIO SVC XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I saw an alert on my Experian Credit Report about a rental inquiry for an XXXX. I immediately called XXXX XXXX XXXX at XXXX. They told me that XXXX XXXX XXXX requested the screening. XXXX XXXX XXXX number is XXXX. I immediately called them. XXXX answered the phone and I told him about my situation. My wife asked to speak to the manager. They both told us that they would take care of it. XXXX admitted that he ran my name because another applicant had a similar name. He also stated that my name popped on the computer because I did apply for a XXXX XXXX XXXX but that was back in XX/XX/XXXX. He told me that he would fix the problem. He called back and said that I had to talk to XXXX. Their number is XXXX. I talked to Experian about having it removed. I called XXXX and I called XXXX. I was told by Experian that XXXX XXXX XXXX should fix this for me. I was directed to you all so you can help me get this off of my credit report. The report number is XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

EQUIFAX : XXXX XXXX XX/XX/XXXX XXXX Account refuses to be removed by Equifax or XXXX XXXX. 7 years have transpired. Still being reported as of XXXX XXXX XXXX IS FULLY AWARE OF THIS, THEIR SNARKY RESPONSE IS VIEWED AS INTENTIONAL DAMAGE TO MY CREDIT REPORT FOR AN OLD EXPIRED ACCOUNT OVER 7 YEARS OF AGE. I WANT THIS ITEM REMOVED. 

XX/XX/XXXX, L XX/XX/XXXX, L XX/XX/XXXX, L XX/XX/XXXX XXXX XX/XX/XXXX L XX/XX/XXXX L XX/XX/XXXX L XX/XX/XXXX L XX/XX/XXXX L XX/XX/XXXX L XX/XX/XXXX L XX/XX/XXXX L XX/XX/XXXX L XX/XX/XXXX L XX/XX/XXXX L XX/XX/XXXX L XX/XX/XXXX L XX/XX/XXXX L XX/XX/XXXX L XX/XX/XXXX L XX/XX/XXXX L XX/XX/XXXX L XX/XX/XXXX L XX/XX/XXXX L XX/XX/XXXX L XX/XX/XXXX L XX/XX/XXXX L XX/XX/XXXX L XX/XX/XXXX L XX/XX/XXXX L XX/XX/XXXX L XX/XX/XXXX L XX/XX/XXXX L XX/XX/XXXX L XX/XX/XXXX L XX/XX/XXXX L XX/XX/XXXX L XX/XX/XXXX L XX/XX/XXXX L XX/XX/XXXX L XX/XX/XXXX L XX/XX/XXXX L XX/XX/XXXX L XX/XX/XXXX L XX/XX/XXXX L XX/XX/XXXX L XX/XX/XXXX L XX/XX/XXXX L XX/XX/XXXX L XX/XX/XXXX L XX/XX/XXXX L XX/XX/XXXX L XX/XX/XXXX L XX/XX/XXXX L XX/XX/XXXX L XX/XX/XXXX L XX/XX/XXXX L XX/XX/XXXX L XX/XX/XXXX L XX/XX/XXXX L XX/XX/XXXX L XX/XX/XXXX L XX/XX/XXXX L XX/XX/XXXX L XX/XX/XXXX L XX/XX/XXXX L XX/XX/XXXX L XX/XX/XXXX L XX/XX/XXXX L XX/XX/XXXX L XX/XX/XXXX L XX/XX/XXXX L XX/XX/XXXX L XX/XX/XXXX L XX/XX/XXXX L XX/XX/XXXX L XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX THE FOLLOWING FIELDS HAVE BEEN MODIFIED : *ADDITIONAL INFORMATION *DATE OF MAJOR DELINQUENCY 1ST REPORTED *ACTIVITY DESIGNATOR *ACCOUNT HISTORY. If you have additional questions about this item please contact : XXXX, XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX Account Number Date Opened High Credit Credit Limit Terms Duration Terms Frequency Months Revd Activity Designator Creditor Classification XXXX XX/XX/XXXX $ 0 Monthly 31 Closed Date of Last Reported Update Balance Amount Amount Past Due Date of Last Payment Actual Payment Amount Scheduled Payment Amount Date of 1st Delinquency Date of Last Activity Date XXXX XXXX. 
1st Rptd Charge Off Amount Deferred Pay Start Date Balloon Pay Amount Balloon Pay Date Date Closed XX/XX/XXXX {$930.00} {$930.00} XX/XX/XXXX XX/XX/XXXX {$930.00} Status Type of Account Type of Loan Whose Account Portfolio Indicator Portfolio Status Charge Off Revolving Charge Account Individual Accoun
Product: Checking or savings account

The company take XXXX hundred something for my account and the company close my account
Product: Debt collection

I am writing to formally dispute and request the immediate blocking of fraudulent information on my credit report, as permitted under Section 605B of the Fair Credit Reporting Act ( FCRA ). I have been a victim of identity theft, and the following accounts and/or inquiries were fraudulently opened in my name without my authorization
Product: Debt collection

This company has been harassing me for over a year. The first letter I received from this company was sent in XX/XX/2020 and they are still relentlessly sending me letters. They are also reporting inaccurate information that is not mine on my credit profile. I do not know where this debt came from, and I have requested that the company refrains from contacting me- but they still call me constantly at inconvenient/inappropriate times of the day and night. They're representatives have used abusive and threatening language on several occasions. This debt has not been validated and could very well be a result of identity theft. the letters that have been mailed to me have inconsistent balances and incorrect names. I have proof of said letters and phones calls attached that contain the inconsistent and inaccurate information.
Product: Debt collection

I received a summons that I will be in court from Cascade Capital LLC. I had bought a car in XXXX, was XXXX through the government and put on XXXX, and had to give the car back. Now it's XXXX I'm going through a divorce, I '' ve not heard anything about this, Cascade is not on my credit report, the XXXX loan says I owe nothing on my credit, and I am trying to work because Im help paying for a lawyer, and my husband sold my car, so I'm trying to get a car. I've had to quit two jobs already.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX XXXX, Equifax and XXXX are consumer reporting agencies, and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information XXXX XXXX XXXX XXXX  is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' XXXX XXXX XXXX XXXX  the financial institution and the Consumer reporting agencies XXXX XXXX, Equifax and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX XXXX, Equifax, XXXX, XXXX XXXX XXXX XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' XXXX XXXX XXXX XXXX Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission, which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX XXXX, Equifax and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention a matter of significant concern regarding the unauthorized furnishing of my accounts to consumer reporting agencies by your corporation. As of [ Date ], I have discovered that several accounts were reported without my permissible purpose, leading to a violation of my privacy rights as protected under 15 USC 1681 ( a ) ( 4 ).

It is imperative for you to understand that I did not grant authorization for these accounts to be disclosed to any consumer reporting agency. Therefore, the actions taken by your corporation not only breached my privacy rights but have also caused me considerable mental and financial distress. 
I would like to draw your attention specifically to 15 USC 1681a ( 2 ) ( I ), which stipulates that any transaction or experience lacking permissible purpose should be excluded from my consumer report. The accounts in question clearly fall under this provision, and I expect immediate action to rectify this egregious violation.

I demand that you take the necessary steps to remove these unauthorized accounts from my consumer report and ensure that no further unauthorized disclosures occur in the future. Failure to comply with this demand may result in legal action to seek remedies for the damages incurred.

I anticipate your prompt attention to this matter and a swift resolution. Please confirm in writing the actions you intend to take to address this issue.

Thank you for your immediate attention to this matter. 
Sincerely, XXXX : XXXX I Want these accounts removed from consumer report XXXX XXXX XXXXXXXX XXXX  FINANCIAL ASSISTANCE
Product: Mortgage

Rocket mortgage is falsifying information stating that a property that I finance with them is not my primary residence. I have submitted several documents to them including tax returns, paycheck, stubs, voter registration car registration showing that the property is indeed my primary home. XXXX XXXX intentionally putting my account into default because it refuses to accept my mortgage payments. Instead rocket mortgage please games, just sending you back and forth to a law firm that never respond or even answers the phone. It is their intent to fraudulently foreclose on my property in an effort to gain access to the value of my home. XXXX XXXX is indeed trying to scam me out of my residency and they need to be exposed to their fraudulent activities. They have certainly violated several practices of the federal truth in lending laws and they need to be thoroughly investigated.
Product: Credit reporting or other personal consumer reports

I sent a letter to all 3 credit bureau concerning an inaccurate account on my credit report. I also send documentation and it still has not been removed. This company used the Covid 19 pandemic as a means to charge off my account as a profit loss although I was still making payments and as the world was facing difficult times.
Product: Checking or savings account

In early XXXX I opened a Citi Checking and Savings account under their offer similar to the one seen here. ( The offer dates are different in the page below but the terms are the same ) https : //banking.citi.com/cbol/checking-400/default.htm? BT_TX=1 & ProspectID=F216997A8DDF4A5F8855F94BE805F736 The offer was as follows. 

Within 30 days of opening your account, deposit {$15000.00} New-to-Citibank funds between the new checking and savings accounts. 

Maintain a minimum balance of {$15000.00} between the checking and savings accounts for 60 consecutive calendar days. 

After all required activities are met, the {$400.00} bonus will be deposited to your account within 90 calendar days! 

I met all of the above well within the 30 days of account opening. I have waited over 90 days for the {$400.00} bonus as well as attempted to contact Citibank to resolve the issue. No one responded to my attempts to contact so I am filing this complaint. It is my understanding that many others who opened accounts for this same bonus are having similar problems.