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

HELLO, MY NAME IS XXXX XXXX XXXX AND I AM A VICTIM OF IDENTITY THEFT. SOMEONE BROKE INTO MY CAR WHILE I WAS AT A CONVENTION IN TEXAS WITH A GROUP FROM XXXX, MISSOURI. I BELIEVE IT WAS SOMEONE FROM THE GROUP BRCAUSE OF THE LOCATION OF THE ACCOUNTS. THEY ACUIRED A BANKRUPTCY IN MY NAME, IT WAS XXXX, BUT IT IS STILL NOT MINE, ITS REPORTING ON MY XXXX  CREDIT REPORT. THEY GOT VEHICLES IN MY NAME ALONG WITH STUDENT LOANS. IT IS EVIDENT THEY HAVE BEEN DOING THIS FOR A WHILE, I DIDNT FIND OUT UNTIL A COMPANY PULLED MY CREDIT, I RARELY CHECK MY CREDIT REPORT.THE FOLLOWING COMPANIES WERE FRAUDULENTLY OPENED IN MY NAME : XXXX   XXXX  # XXXX OPENED : XX/XX/XXXX XXXX. XXXX XXXX XXXX # XXXX OPENED : XX/XX/XXXX XXXX. XXXX XXXX/MISSOURI STUDENT LOANS # XXXX OPENED : XX/XX/XXXX XXXX. XXXX XXXX/MISSOURI/ STUDENT LOANS OPENED : XX/XX/XXXX XXXX. XXXX XXXX/ XXXX XXXX # XXXX OPENED : XX/XX/XXXX XXXX. XXXX XXXX XXXX OPENED : XX/XX/XXXX AMT. XXXX XXXX  XXXX XXXX   OPENED : XX/XX/XXXX XXXX XXXX XXXX XXXX   XXXX # XXXX OPENED : XX/XX/XXXX AMT. XXXX XXXX XXXX XXXX # XXXX OPENED : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX OPENED : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX   OPENED : XX/XX/XXXX AMT. XXXX XXXX XXXX   XXXX OPENED : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX OPENED : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX OPENED : XX/XX/XXXX XXXX. XXXX CHAPTER XXXX BAMKRUPTCY XXXX # XXXX DATE FILED : XX/XX/XXXX THE FOLLOWING INQUIRIES WERE ALSO FRAUDULENT OPENED IN MY NAME : US SM BUS ADMIN XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX   XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX   XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I disputed ownership in XX/XX/year> requesting proof of ownership with signed contract. The dispute was closed a month later saying it was updated but nothing was updated and I never received the proof of ownership.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of last year I noticed my credit score dropped XXXX points for literally no reason on my Credit Karma, they never got back to any of my emails as I was trying to get it figured out as they supposedly don't deal with fraud over the phone. I'm not sure what the issue is, why my score dropped for no reason and if someone got into my account without my permission. XXXX points is a huge drop and will take years to get back up, my score was excellent on there and it dropped to fair, that's not okay at all but I checked on XXXX and my scores were normal, what they should be. Credit Karma as not taken any fault for this happening to my account, they need to fix the problem/figure out what happened.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : XXXX XXXXXXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting Act, XXXX XXXX XXXX XXXX XXXX reported a late payment in XX/XX/ has violated my rights.

15 USC 1681 Section 602 States, I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish my account without my written instructions.

15 USC 1666B : A creditor may not treat a payment credit card account under an open end consumer credit plan as a late for any purpose.

I greatly appreciate your attention to this matter and your commitment to upholding consumer rights. I request that you keep me informed of the progress and outcome of the investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX  Account # XXXX XXXX XXXX Account # XXXXXXXX XXXX, Account # XXXX XXXX & XXXX, Account # XXXX XXXX & XXXX XXXX, Account # 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
Product: Credit reporting, credit repair services, or other personal consumer reports

Account Name : XXXX XXXX XXXX XXXX OF XXXX XXXX Number : XXXX Youre reporting a later payment in XX/XX/2022 & XX/XX/2022 yet Equifax is reporting I paid on time. This is inaccurate reporting therefore please remove this off my credit report and update it to paid agreed due to my FCRA rights. In accordance with the Fair Credit reporting act this creditor has violated my rights under 15 USC 1681- section 602 states I have right to privacy, 15 USC 1681 section 604 a section 2 it also state a consumer reporting agency can not furnish an account without my written instructions under 15 USC 1666B a creditor may not treat a payment on a credit card account under an open end as late for any purpose.
Product: Debt collection

I asked many times for an itemized list of the things I was being charged for and they would not comply! Then the guy kept insisting I just go ahead and pay half without seeing a bill. When I told him I wasnt paying for anything without being showed exactly what I was being charge for he got rude and told me that I they would just keep harassing me and that my credit would be ruined until the bill was paid. I told the fellow he cant expect someone to fork over hundreds of dollars without being shown what exactly they are being charged for. Then the guy hung up on me when I asked to speak to some one higher up .... When I called back the number was disconnected and no longer in service. I call the number on the bill they sent me and its to a whole different collection company. The lady there tells me its not just one hospital bill I owe, it is quite a few. I owe thousands of dollars in hospital debt. I told her the bills arent mine and that she must have the wrong person and she got rude and told me it was my credit it would effect not hers. So I hung up on her and called the hospital where the bills were supposedly at and billing told me I have no accounts in collection there at all ... the one I did have in collection was paid in full last year by my insurance ... I then called the hospital where the original debt was from, the one I asked for the itemized list for and the hospital tells me that the account is paid in full. 

Now Im very worried because these people have my social security card and threatened to ruin my credit!
Product: Credit reporting, credit repair services, or other personal consumer reports

I didnt sign no contract with them.
Product: Debt collection

On Tuesday, XX/XX/2020 and Thursday, XX/XX/XXXX Portfolio Recovery Associates, LLC was contacted via certified mail concerning the validity of a charged off account, for an alleged debt due them, in the amount of {$480.00}, which they've failed to validate a second time. A violation of my rights under the FCRA 611 Section ( A ) ( 1 )
Product: Prepaid card

I received this gift card for XXXX. I tried to make a purchase for less than the balance online and it declined multiple times. I called the XXXX number on the back of the AMEX gift card and never received a human on the line. It is ridiculous to receive a gift card and not be able to use it.
Product: Credit reporting or other personal consumer reports

Per the Fair Credit Reporting Act ( 15 USC 1681 section 602 ( a ) ), it is imperative to ensure that consumer reporting agencies conduct their duties with fairness, impartiality, and a profound regard for the consumer 's privacy rights. XXXX and XXXX, recognized as consumer reporting agencies, hold sensitive consumer information, and I, as the consumer, assert my right to safeguard this information, as underscored by 15 USC 6801. This statute emphasizes Congress 's intent for financial institutions, including furnishers of information to credit agencies, to uphold a commitment to customer privacy and confidentiality. Pertinently, 15 USC 1681 section 604 ( a ) ( 2 ) stipulates that consumer reporting agencies may only furnish consumer reports under specific circumstances, explicitly when directed by the consumer in writing. I have neither provided nor consented to the furnishing of my information to XXXX, XXXX, or any financial institution. Consequently, any form of consent, whether expressed verbally, non-verbally, or implied, is hereby revoked. Further reinforcing my position, 15 USC 6802 ( b ) ( c ) mandates that financial institutions must inform consumers of their right to exercise nondisclosure options. This obligation has not been fulfilled by the furnisher of information to credit agencies. Additionally, 15 USC 1681C ( a ) ( 5 ) strictly prohibits consumer reporting agencies from including adverse information in reports without authorization. The presence of such information on my account violates this provision, as well as 15 U.S. Code 1681s2 ( a ) ( 1 ), which prohibits furnishing inaccurate consumer information. Moreover, in accordance with 15 U.S. Code 1681e, consumer reporting agencies must establish reasonable procedures to prevent violations of consumer reporting laws. XXXX and XXXX have failed to fulfill this obligation. Additionally, as outlined in 12 CFR 1016.7, consumers retain the right to opt out of reporting services at any time. Therefore, I hereby exercise my right to opt out of : XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX and XXXX 's reporting services.
Product: Money transfer, virtual currency, or money service

This description is an amendment to complaint XXXX. The case was incorrectly closed. The responding bank USAA responded to my complaint but did not resolve it, despite my twice following up per their instructions in order to remedy the matter. In addition to the information already contained within complaint XXXX, I submit the following : On XX/XX/2022, I filed an XXXX complaint and generated case # XXXX. 
In response to the complaint, on XX/XX/XXXX I received a phone call from USAA representative XXXX XXXX who identified herself as calling from the CEOs office. XXXX XXXX explained that in order to attempt to resolve the matter described in case # XXXX, USAA required a letter of indemnity from the sending bank XXXX. I spoke with XXXX XXXX  which agreed to send a letter of indemnity but advised that they required a formal request from USAA to do so. I left two messages for XXXX XXXX at USAA on XX/XX/XXXX and XX/XX/2022 explaining next steps. I received no response to either message. No request for a letter of indemnity has been made by USAA to XXXX and the matter remains unresolved due to USAAs inaction. USAA has to date made no effort to retrieve the funds from the wrong recipient. I am asking that USAA submit a formal request to XXXX for a letter of indemnity to seek resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

Several certified notices were mailed to the credit agency asking for remarks to be added to the XXXX XXXX file in my report. The original creditor dropped this debt and collection agency is still continuing to report a debt I do not owe. Until the agency is able to sucessfully remove the item from my file I am again requesting the following remark be added to my file. Debt dismissed by original lender.
Product: Debt collection

Not enough information to verify debt : In XXXX, XXXX and XXXX of 2019 I requested an investigation to verify an debt owed by me to PORTFOLIO RECOVERY ASSOCIATES in the amount of {$730.00}. Verification according to the FAIR CREDIT REPORTING ACT section 609 ( a ) ( 1 )  ( A ) through the PHYSICAL verification of an original signed consumer contract has not been established and I have yet to recieve the documentation that I requested. They continue to be in violation of the FCRA and the FDCPA and are causing severe damage to my credit report.
Product: Debt collection

I have a collection on my credit report that I do not owe. It is for {$300.00} and it states that it was opened in XX/XX/XXXX for XXXX and then shows it is opened on XX/XX/XXXX for XXXX and Equifax. This debt does not belong to me. As you can already see this has inacuracies on one bureau it states the account was opened XX/XX/XXXX and on the other 2 bureaus it states it was opened XX/XX/XXXX and I did not get any open accounts in XX/XX/2018 because I was out of the country for a full month and returned in XXXX. I have never signed any contract with XXXX XXXX XXXX now or will ever sign a contract with them. I expect this company to delete this collection of my credit report as it is negatively impacting my credit worthiness and I do not have any signed contract with them per FCRA 15 usc section 1681i. I can not believe that such information is put into someones credit report with such inaccuracies and this is not validated by the credit bureaus. I demand the bureaus to delete this immediately followed by a credit report mailed to my house with the deletion of this account. 
Please provide the following : 1. Agreement with your client that grants you the authority to collect on this alleged debt.

2. Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor.

3. Any insurance claims been made by any creditor regarding this account.

4. Any Judgments obtained by any creditor regarding this account.

5. Name and Address of alleged creditor.

6. Name on file of alleged debtor.

7. Alleged account number.

8. Address on file for alleged debtor.

9. Amount of alleged debt.

10. Date this alleged debt became payable.

11. Date of original charge off or delinquency.

12. Verification that this debt was assigned or sold to collector.

13. Complete accounting of alleged debt.

14. Commission for debt collector if collection efforts are successful.

Please provide the name and address of the bonding agent for " XXXX '' in case legal action becomes necessary. Your claim can not and WILL NOT be considered if any portion of the above is not completed and returned with copies of all requested documents. This is a request for validation made pursuant to the Fair Debt Collection Practices Act. Please allow 30 days from processing after I receive this information back.
Product: Credit card

To Whom It May Concern : I served XXXX from XXXX XXXX, XXXX to XXXX XXXX, XXXX, cumulating over 26yrs of faithful and dedicated service. I was XXXX from XXXX XXXX, XXXX to XXXX XXXX, XXXX. 

The Servicemember 's Civil Relief Act ( SCRA ) enables servicemembers to devote their time and attention to the defense needs of the Nation by providing protections related to such things as rental agreements, security deposits, prepaid rent, evictions, installment contracts, credit card interest rates, automobile repossessions, mortgage interest rates, mortgage foreclosures, civil judicial proceedings, automobile leases, life insurance, health insurance and income tax payments. 

Recently, my wife and I received a letter from JP Morgan Chase, stating, " We 're writing to apologize because we may have charged you interest and/or fees incorrectly when you may have been eligible for Servicemember 's Civil Relief Act benefits or protection. 

In addition to being a JP Morgan Chase Credit Card member since XX/XX/XXXX, my wife and I financed our home with JP Morgan Chase Mortgage on or about XXXX XXXX, XXXX. 

On or about XXXX XXXX, XXXX, my wife and I sent a letter to the JP Morgan Chase, requesting the following documents/information : Audit ruling, interest rate ( s ) from XXXX XXXX, XXXX to present, charges, and fees from to XXXX XXXX, XXXX to present, interest rate increases and/or decreases from XXXX XXXX, XXXX to present, date ( s ) of increased and/or decreased interest rate from XXXX XXXX, XXXX to present, and an IRS Form XXXX ( Miscellaneous Income ). 

On XXXX XXXX, XXXX, I met with an XXXX Legal Assistance Officer. The Officer determined that Chase has settled a class action lawsuit regarding our SCRA situation. The Officer also contacted JP Morgan Chase to inquiry about the documents we requested. The JP Morgan Chase representative told the Officer that we needed to submit the request to the following address : Chase Card Services, XXXX XXXX XXXX, XXXX, DE XXXX. We mailed the aforementioned letter via certified mail to the address provided by the JP Morgan Chase representative on XXXX XXXX, XXXX. 

Based on the aforementioned discovery, we believe that our rights under the SCRA were violated because over {$100000.00} were charged to the card from XX/XX/XXXX-XX/XX/XXXX. Additionally, more than {$8000.00} was charged to the card during my XXXX from XXXX XXXX, XXXX to XXXX XXXX, XXXX. 

We are requesting that our SCRA matter be reviewed to determine if we are receiving an accurate refund for interest and/or fees accessed while we were eligible for the Servicemember 's Civil Relief Acts benefits. 

Your immediate response, time, and assistance in this matter are greatly appreciated. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX ... that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Product: Bank account or service

My husband and I recently sold our home for cash. His mother 's trust account, of which he was the trustee, had the same routing numbers but different account numbers. He mistakenly wrote the trust account number for the deposit. He passed away a few weeks later. His mother has been dead for years. XXXX XXXX XXXX XXXX sent the $ $ to Chase Bank on XXXX/XXXX/2016 which was then to be wired to our joint Chase checking account. The funds never came. Realizing the mistake, I corrected the account numbers and faxed to the Title Co. on XXXX/XXXX/16. The Title Co. explained the mistake to Chase and requested a recall of the funds. There has been no response from Chase. There have been multiple inquiries by theTitle Co. and from myself to the Title Co. and Chase Bank requesting $ . A recall was initiated on XXXX/XXXX/16. Bank personnel state they were waiting for a recall from Title Co. and deny any responsibility for delay in returning funds. Chase states an employee telephoned the XXXX Co regarding the recall but upon receiving voice mail, left message but did not follow up on inquiry. After spending 2 1/2 hours at a local Chase branch trying to reach a resolve to this issue including numerous telephone calls no happy results are evident. I became disgruntled and left - still with no solid reason for the delay in receiving funds. What were they doing with them? Drawing interest? Were they lost? Why is a recall of funds so difficult and time consuming? The following day I telephoned the 'consumer friendly ' line. I had received the Chase bank trust statement in the mail showing the $ $ in the trust account. After being transferred a few times to different people, a female employee on Chase investigation team said she saw the $ $ deposited in another account from the trust account. She asked me if I had an account with the XXXX numbers she said she saw. I did not. She was unable to explain how the same amount could be showing on my Chase trust bank statement and still be insisting that the same $ $ were in the account with completely different account numbers. She was reluctant to acknowledge my bank statement and continued to insist that her information was solely correct and could not be doubted. Again, I was disgruntled and still am.
Product: Credit reporting or other personal consumer reports

i have been a victim of identity theft for the past 6 years and i have done everything in my power to protect my identity. unfortunately i became a victim of identty theft and i have been fighting this nasty problem for the past few years and i have reached out to all the credit reporting agencies and the creditors and the CFPB, and i was let down by the results and im still fighting this matter because i belive i have rights! .i can not afford an attorney to fight the fight against identity theft so i am respectfully asking for your assistance in this serious matter. 
there are 2 fraudulant account that are currently reporting on my credit report that i despreatly need removed. 
XXXX ) XXXX XXXX XXXX ( opened fraudulently ) XXXX ) XXXX XXXXXXXX XXXX  ( opened fraudulently )
Product: Credit card

B OF A HAS FAILED TO UPDATE MY RECORDS, DESPITE NUMEROUS ATTEMPTS TO REACH OUT TO THEM. B OF A HAS NOT CREDITED MY ACCOUNT FOR TWO SEPARATE CREDITS FROM XXXX DESPITE EMAILS FROM XXXX DOCUMENTING THEIR CREDITS TO MY ACCOUNT. B OF A HAS FAILED TO INVESTIGATE A DUPLICATE CHARGE MADE BY MODERN THAI HOTEL DESPITE PROVIDING THEM WITH DOCUMENTS SUPPORTING MY POSITION. B OF A HAS REFUSED TO CREDIT MY ACCOUNT WITH AN ALREADY EARNED XXXX OF CASH REWARD POINTS UP UNTIL B OF A ABRUPTLY CLOSED MY ACCOUNT WITHOUT PROVIDING ME WITH ANY REASONS FOR THEIR ACTION AFTER BEING A LOYAL CUSTOMER FOR OVER 14 YEARS. IN FACT B OF A OWES ME MONEY AFTER CORRECTING THEIR RECORDS AND CREDIT MY ACCOUNT PROPERLY. B OF A MUST ISSUE AN APOLOGY AND CORRECT ALL THEIR ERRORS IN THEIR REPORTING.
Product: Credit reporting or other personal consumer reports

I've noticed an unfamiliar account on my credit report that isn't mine. I believe this could be due to identity theft or fraud.
Product: Debt collection

Subject : Complaint Against XXXX XXXX for Fair Credit Reporting Act Violation Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against XXXX XXXX XXXX, XXXX for repeatedly violating my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681. XXXX XXXX has reported several derogatory remarks on my credit report without providing any prior notice or correspondence regarding any alleged debt. I have never conducted business with XXXX XXXX and have no knowledge of owing any debt to this company. 

These actions have severely impacted my credit score and financial well-being. Despite my attempts to resolve this matter directly with XXXX XXXX, I have received no satisfactory response or verification of the debt. According to the FCRA, I am entitled to a fair and accurate credit report, and XXXX XXXX 's failure to validate the debt or notify me of its existence is a clear violation of federal law. 

I respectfully request the Consumer Financial Protection Bureau to investigate this matter promptly. I demand verification that the debt is owed to XXXX XXXX. If such verification can not be provided, I insist that all derogatory remarks be removed from my credit report immediately. If this issue is not resolved, I will have no choice but to pursue a civil suit to enforce my rights under the FCRA. I will have attached documents reflecting the Creditor reporting numerous erroneous remarks. 

Thank you for your attention to this urgent matter. 

Sincerely, [ Your Name ]