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

I have contacted Experian numerous times yet they have failed to follow law about accounts that I am telling them I am a victim of identity theft on. Yet they sent me a stall letter stating that I disputed wrongly or mispresenation. I know what belong to me and what does not belong to me. Have never in my life health with XXXX or XXXX or any company that either of these companies represent. Yet XXXX even sent notice that these accounts did not belong to me and were being deleted but Experian failed to do so. I WILL BE FORCED TO SUE EXPERIAN IF XXXX AND XXXX IS NOT REMOVED IMMEDIATELY.I am very distressed that you have included XXXX AND XXXX information in my credit profile due to its damaging effects on my good credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. No doubt the inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit recently for a loan, which was highly embarrassing and has negatively impacted my lifestyle. With the proof I'm attaching to this letter, I'm sure you'll agree it needs to be removed as soon as possible.
Product: Credit reporting or other personal consumer reports

Previous I reviewed a copy of my credit and found fraudulent accounts, I would like them to be removed from my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern ; I am writing in regard to the above referenced accounts and transactions. 

This is not a refusal to pay, but a notice that this account is disputed. 
Under the laws of the ( State of Iowa ) UCC 9.506 and State RISA and MVISA statutes a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. 

Please provide copies of the legal notices and proof of the commercially reasonable manner of the resale of the subject vehicle.
Product: Debt collection

On XX/XX/ a collections account was posted to my credit report from Torres Credit Services for {$140.00}. I called up the service and they didnt even have my name tied to this collection account, it was someone elses. This debt is not mine and belongs to another person and is fraudulent. Torres Credit services provided no documentation that this is my debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

dispute submitted thru cfpb and was sent to the company. they state they reinvestigated the dispute however it is not possible for them to have reviewed all of the documentation I sent, then sent to their 3rd party vendor for review in order to just tell me the item remains unchanged from processing of my previous dispute request. I provided a multitude of additional documentation along with the complaint still no reinvestigation into this dispute. this is clearly a violation of my rights under the FCRA and I am now requesting the agencies method of verification in addition to the 3rd party vendor they use XXXX XXXX
Product: Credit reporting or other personal consumer reports

This is will be my third compliant about inaccuracies on my report. Equifax has been reporting transactions and experience from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Since XXXX of 2022.As congress stated under the fair reporting credit act 15 u.s code 1681a ( 2 ) as provided in paragraph 3 the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and person making the report.The above mention accounts are reporting transactions and experiences making the report inaccurate. Equifax has failed to ensure proper procedures to assume maximum possible accuracy of the information being reported. Equifax has failed to provide me before hand of how reporting was verified. What procedures was taken to ensure proper accuracy was being reported.As 15 u.s code 1681a ( 2 ) ( I ) stated the consumer report DOES NOT include transactions and experiences. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX transactions and experiences should not be on my consumer report.
Product: Checking or savings account

My account was " frozen '' on XX/XX/2020 ... ..no notice or reason given. This account is a JPMorgan Chase account in their " private banking '' program. I have been a customer one way or another for 25 years!!! 

They are not holding my checking account of {$63000.00} ; then are now holding XXXXederal Funds in the form of my Social Security in the amount of {$1600.00}. 

Since I can not get any answers I HAVE TO ASSUME FRAUD OR THEFT!!!!! 

As you can imagine I have numerous checks returned and non-payments!!!
Product: Credit card or prepaid card

My account should not show any late payments because I have always paid on time. It is unacceptable to see late payments on my account, and I urge you to correct this error immediately.
Product: Checking or savings account

Chase bank froze and then closed my checking account. I was told that they flagged it for fraud based on checks that were deposited. The funds from the issuing bank were cleared/transferred into my Chase account. However, Chase refuses to turn over the money I had in my account. They say that I have to hire a lawyer. I don't understand why I can not receive my money when all deposits and transfers have cleared.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second written request for the removal or block of information that does not belong to me, my identity has been stolen and accounts had been open in my name, I have try to resolve this with credit reporting agencies, I have field a police report ( XXXX Police # XXXX ) an FTC ( XXXX ) report had been filed copies are attached. Please remove this account from my credit file.Please remove all none account holding inquiries, any address other than my current and send me copies of updated report. 
Thank you.
Product: Debt collection

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, XXXX XXXX PROFESSIONAL ACCOUNT SERVICES Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). 
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious PROFESSIONAL ACCOUNT SERVICES I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX , XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX District of XXXX Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, XXXX XXXX
Product: Mortgage

I currently have a VA loan with a mortgage of {$3300.00}. This payment was made for the month of XX/XX/2023 around the fourth of the month. Unfortunately, Freedom Mortgage reported the payment to the credit bureaus in the month of XX/XX/2023 which resulted in a 30 day late. 

This has been detrimental to my credit profile. Attached you will find a bank statement which reflects this payment in XXXX. I humbly request that this be corrected forthwith, as it is imperative to keep an exemplary credit profile from my future financial and business endeavors.
Product: Credit reporting, credit repair services, or other personal consumer reports

About the last 18 months or so I've noticed a bankruptcy on my credit report in a state Ive not lived. Also there were 3 accounts opened in a credit union that I don't remember ever opening. I've tried to deal with this company for months without a resolution. I even sent an affidavit to the NJ courts and asked them if they released any information about me to the credit bureaus after I asked them to launch an investigation. The bureaus said they verified the information to be accurate, how could they do an investigation and state it was mine and the source said they didn't send any information about my name to anyone. The bureaus or any other 3rd parties. I wasn't sure if this was identity theft but I filed a police report because my  wallet was stolen a few years back and I had social security card, birth certificate, and driver 's license in side of it.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$34000.00}, {$7700.00}, {$4000.00}, {$19000.00}, {$6000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- OPEN ACCOUNT 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$34000.00} -This is not my account. 

-- CLOSED ACCOUNTS 2. XXXX XXXX  XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7700.00} -This is not my account. 

3. XXXX XXXX  XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4000.00} -This is not my account. 

4. XXXX XXXX  XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$19000.00} -This is not my account. 

5. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6000.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have unauthorized accounts & inquiries on my report and would like it to be removed. According to the FCRA any inaccurate items on my Credit report that is not 100 % verifiable or accurate must be removed!
Product: Credit reporting

My complaint is with USBank. Apparently, they said that they mailed me a letter in XX/XX/2016 alerting me to an increase in my APR from 15.24 % up to 20.49 %. Supposedly this letter said that I could " opt out '' and close my account if I was not agreeable with this change. I have asked for proof this letter, which I never received. First of all, I never received this letter. Secondly, I would have opted out and closed the account. Thirdly, they have since increased my credit line to {$21000.00}. Please help!!
Product: Debt collection

See attached demand letter ; and police report of notice of ID Theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is related to my Chase Auto Loan below : XXXX Number : XXXX Vehicle : XXXX XXXX XXXX VIN : XXXX Experian never reported my auto loan & my auto loan never appeared on my Experian Credit report XXXX 

This auto loan does appear on my XXXX XXXX XXXX report. I would like Experian to adjust/amend my Experian report to reflect my XXXX auto loan, as it was a loan in good standing for approx. 18 months, never late. 

I have tired working with Experian directly, and also with XXXX, but to this day, Tuesday, XX/XX/XXXX, this issue is not resolved. 

Please help. 

XXXX XXXX XXXX, TX, XXXX XXXX
Product: Credit card or prepaid card

I have two XXXX Synchrony Bank credit accounts for which I have been making payments for the past four years and have noticed that the balance has not decreased or has increased and I have not made any purchases on the account. I initially thought it was the interest that I was being charged however upon discovery it appears that it was due to fees specifically a security fee of more than {$100.00} per month and my minimum payment is {$62.00}. I also noticed that my interest rate was 0 % so this fee was increasing the balance and causing the account balance not to decrease.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi my name is XXXX XXXX and I'm reporting this complaint as follows : According to the Fair Credit Reporting Act 15 USC1681 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 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. '' ( Furnisherof information to credit agencies ) is a financial institution by definitionunder 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. '' ( Furnisher of informationto credit agencies ) the financial institution and the Consumer reporting agencies XXXX 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, ( Furnisher of information to credit agencies ) 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. '' ( Furnisher of informationto credit agencies ) 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 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: Checking or savings account

BMO Harris Bank called and stated that I deposited a fictitious check into my account. The check was submitted to my from my son, XXXX stated the check was. not ficitious. BMO mislead me in result they took my money out of my account and never sent me a check for the balance. BMO fraud department contacted me once and I have never heard from them again. The manager of the local branch also could not assist with my issue. On XXXX, 2021 they informed me my account has been closed but my account still have alerts that are coming to my phone. BMO stole my funds and claim that they sent them back to the lender which is false information. Harvest has not received a check or money transfer from BMO bank. My account was hacked by BMO and all of my funds have been stolen. I have documents from XXXX whom sent the check which clearly states that the check was valid. I'm a gig worker and a sole owner which gives me the right to do banking from my personal checking account. BMO recently told me that a check was mailed out for XXXX. The check has not been received. The BMO account is still active. I recently received a statement which shows me the open active account that is on deposit only. Please see if you can obtain a paper trail for the money that was supposed to be refunded to the lender. I'm an XXXX XXXX  woman and I feel that I have been racially profiled by BMO Harris Bank.
Product: Money transfer, virtual currency, or money service

Friday XX/XX/XXXX my Cash App account was closed after trying to send my cousin {$260.00} in which the transaction failed. I can no longer use my Cash App card, It will not let me link my bank account or card to my account in order to be able to withdraw my funds. I still have XXXX left on my account with no way to receive or withdraw it. I have tried contacting Cash App Support via Email and I still have yet to receive a response after sending an email Friday XX/XX/XXXX. I even tried to DM the support team via XX/XX/XXXX they told me the first time someone will get with me in up to 72 hours then they told me it will be less than 24 hours until I get a response and still no response. I believe Square Inc. is responsible for this situation with Cash App
Product: Debt collection

this is for usaa federal savings bank. they stated that my consumer loan debt amount would be adjusted on my credit report but it has been more than 30 days and it has not been updated. in accordance with the fair credit reporting act, this company has violated my rights as a consumer/customer. fcra 15 USC 1681 section 602 A states i have the right to privacy
Product: Debt collection

Asset Acceptance LLC has failed to validate a debt that they say I owe them. They have never responded to any of my requests. I have never done business with Asset Acceptance. I have asked to see a contract that requires me to do business with them and they ignore me.
Product: Debt collection

The to my personal number from McCarthy, Burgess & Wolff ( XXXX ) the person they are attempting to contact is XXXX XXXX. This is not me, I do not know this person or have any association with this person. 

The number they are calling has been my personal number for 17-years. 

I have told their agent that this is nor me and requested that they remove my number from their records. 

My voice mail greeting now states all the above facts ( I am not the person they are looking for ) with a repeated request that my number is removed from their records.
Product: Credit card or prepaid card

I have been a member on american express for years and on XX/XX/XXXX my auto-pay for a ridicuolous amount of {$39.00} did not go thru. 
I have been charged late fees and never complained. 
My balance being {$4600.00} on a credit line of {$9000.00} ... Now, on XX/XX/20 american express notifies me via email that due to a missed payment of XXXX $ ( for which i paid XXXX $ of late fees ) ... they have reduced my credit line to {$4700.00}. 
Which leaves me suddenly with an available credit of {$100.00}! 
This is obviously impacting my credit score as well, whereas my card usage was around +50 % and now showing a card usage of around 99 %, due to the unnecessary and unreasonable credit line reduction.

I have called customer service and the credit line dept. gave me 2 options '' 1- pay +XXXX within XX/XX/XXXX. This option will grant the restoration of my credit line to {$9000.00} ... also known as " forced financial extortion ''! 
2- submit documents of my income and MAYBE they will consider REVIEWING THE CREDIT LINE. NO GUARANTEES.

American express more than once overcharged me high interests ( based on a mathematical formula only known to them! ) and never returned the funds.

Now their fraudulent actions are affecting my credit score and everyday life as well. 
This needs action from CFPB.
Product: Money transfer, virtual currency, or money service

i got scammed out of {$100.00} to a fake vendor
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, Oh XXXX In XXXX XXXX I notified customer service that I'd been directly impacted by Hurricane Irma and both my county of residence ( XXXX ) and employment ( XXXX ) had been federally declared National Disaster Zones. XXXX XXXX   offered to place my account in forbearance between XX/XX/XXXX - XX/XX/XXXX during which time payments would not need to be made, interest wouldn't accrue, late payments wouldn't be assessed and negative credit reporting would not occur. XX/XX/XXXX I recontacted customer service to inform them that I was still in a financial burden with having to pay for insurance deductibles that was caused by the storm and not qualifying for FEMA assistance. At that time, they offered an extension of the forbearance from XX/XX/XXXX - XX/XX/XXXX, with the same benefits offered as before. When billing reoccurred in XX/XX/XXXX, I disputed the amount owed because it contained late fees and accused interest for 6 month forbearance period. I escalated my concerns to the Customer Service Manager in XXXX when these same charges were being improperly charged. This continued through XX/XX/XXXX at which time they reported my account as a charge off status, reported all payments from XX/XX/XXXX - XX/XX/XXXX as not paid and serious delinquencies to all three credit reporting agencies and sold the original account that was still for the disputed amount to XXXX XXXX XXXX in XX/XX/XXXX and they continue to report collections and serious delinquencies until current, XX/XX/XXXX. This has drastically affected my financial ability to recover and continues to impact my credit scores and livelihood. I believe they fraudulently charged off the account and sold it to XXXX XXXX XXXX because they were unable or unwilling to honor the original forbearance guarantee. 

I have disputed this with XXXX XXXX, XXXX XXXX XXXX, XXXX, Transition, and XXXX to no avail.