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

I have sent over XXXX separate request asking for federal law to be applied to my credit report based on XXXX. I provided the attestation form the organization and my ID. They keep asking for the same information that I have sent them several times in response to their request for additional information.
Product: Debt collection

Harley Davidson financial has called me, sent me letters, and come to my house, when I do not owe them any money, and I have never had any financial arrangement or loan with Harley Davidson ever. The person who owes the money has not lived in my house for more than two years. I need them to stop calling me two times every day, sending letters to my home that are not addressed to me, and to stop sending debt collectors to my home! I have asked them at least 50 times not to bother me again. The most recent call was today from XXXX, Harley Davidson financial services.
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. 

XXXX  Account # XXXX, XXXX XXXX XXXX Account XXXX XXXX, XXXX XXXX Account # XXXX, DP OF EDUC Account # XXXX, US DEPT ED Account # XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX Account # XXXX, has violated my rights XXXX 

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: Mortgage

I Have a mortgage with OCWEN Financial Corp and my property taxes is included in the payement. I also pay an extra {$20.00} per month to be safe. Every year I receive a bill that my escrow account for taxes is short and I have to send an additional {$270.00} ( more or less ) to make up the arrears. My mortgage payment also goes up despite have a fixed rate. How can that be. I have contacted them numerous times for the accounting and have gotten no help. Last year I misread the statement because the mortgage changes so much and paid my mortgage the normal amount and did n't catch that it had increased by {$200.00}. I paid on time and they cashed the check. OCWEN still reported me to the credit bureau 30 days late.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items :
Product: Debt collection

I.C. Systems Inc is reporting a delinquent account on my major credit bureaus that I owe them/this company {$1000.00}. I do not know what this company is. I have never conducted any business with I.C. Systems. On XX/XX/2023, I mailed and faxed written notification requesting proof of contract to substantiate I.C. System Inc 's claim to XXXX, XXXX XXXX XXXX that I am indeed the correct party they are seeking to collect this debt, yet my legal demand has gone unanswered. I.C. System Inc has yet to provide a underlying credit agreement, no proof of ownership and provided no legal basis to report " late payments '' or any information to consumer reporting agencies. As a ramification due to this fraudulent account, I was discriminated against & denied my right to be extended credit. Nevertheless, I have suffered emotional and mental stress because of this false and negative credit bureau reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

Over the years, someone has accessed my personal credit information. I lost my purse and wallet a few years ago. I have no knowledge of what or who this could be. This has been ruining my credit. Please remove/delete all inaccurate information from my credit report. Please correct my only address is : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX Please correct my only name : XXXX XXXX I do not wish to have any telephone numbers or employers on my credit report. I have fraud inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and XXXX XXXX I have fraud accounts : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Please remove all fraudulent accounts.
Product: Credit reporting or other personal consumer reports

XXXX, XXXX and Trans Union are ignoring my requests to investigate, verify and remove accounts from my consumer credit reports that do not belong to me. I have asked them to provide me with the documents with the original signatures proving the accounts belong to me and they have not sent them to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been in the process of correcting my credit for the past year. I opened an account with Experian paying $ XXXX per month each for both my husband and myself in an effort to stay current with the information as it is reported. I got my credit from XXXX up to XXXX and I have been very attentive. On XX/XX/XXXX, I canceled the subscription with Experian and received an email of confirmation. By XX/XX/XXXX, my credit score went down with them to XXXX with no reported incident. I keep everything, I mean EVERYTHING paid either on time or ahead of time. I called experian and the representative could see where my credit score went up to XXXX, but couldn't see anything else. Which I do not believe, because if she could see where it had consistantly gone up, up to that point, why couldn't she see the XXXX. I have screen shots of my credit score with them at that XXXX. My husbands is down to XXXX in that same time period. It seems that they are penalizing me for stopping their service. I would like a full investigation and a response.
Product: Credit reporting or other personal consumer reports

XXXX XXXX ACCOUNT NUMBER- XXXXTo Whom It May Concern, I dispute your claim and I am requesting validation from you pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec . 809 ( 8 ) ( FDCPA ).

Provide breakdown of fees including how you calculated what you claim I owe.

Provide a copy of my signature on a contract or document that holds me responsible for this alleged debt.

Cease any credit bureau reporting until debt has been validated by me as required under the FCRA.

Send me proof that you are licensed to collect debt in the my state.

accept this letter-sent as my formal debt validation request, which I am allowed under the FDCPA.

I will await your reply with above requested proof. Upon receiving it, I will correspond back with you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to cosign for my cousin a new vehicle, and the car salesman told me my credit was low. I told him to show me my report and to print me out a copy. There are items on my credit that need to be removed as soon as possible. These items are fraudulent accounts. XXXX XXXX   XXXX US DEPT ED XXXX {$5700.00} XXXX XXXX XXXX {$110.00} XXXX XXXX XXXX XXXX {$310.00} XXXX XXXX XXXX {$11000.00} XXXX XXXX   XXXX {$2200.00} XXXX/DOFED XXXX {$9500.00} XXXX XXXX XXXX {$340.00}
Product: Credit card or prepaid card

XX/XX/XXXX To whom it may concern at the Consumer Financial Protection Bureau : I need assistance from your agency. 



Macys/DSNB has for years continued to destroy my credit rating with a debt for {$610.00} that I did not owe. 

This has been going on since around XXXX, and I have disputed the debt many times over the years. 

I have gotten the debt removed from my credit files, and Macys/DSNB continues to re-age the information as they have done on the copy of my credit report that I have attached with this complaint, and they have added it back to my credit files. 

In XXXX I had gotten an attorney to write to Macys/DSNB because they were also requesting copies of my credit files from the credit bureaus constantly. 

They would request copies of my credit files in one week, several times consecutively for a week. 

At times they were having my credit files run daily, or they would request my credit files several times in a month. 

And they would continue to request my credit files consecutively month, after month, after month. 

I want Macys/DSNB to stop requesting my credit files, I have no business with them, and they have no reason as to why they need to have my credit information, other than for the malicious activity that they have been conducting. 

I have questioned the credit bureaus as to why this information has been continually been placed back onto my credit files once it had already been deleted more than once, and I was told, that Macy/DSNB is the one that is intentionally reporting this information. 

Just prior to XXXX, there was a period of time that Macys/DSNB was reporting two false accounts onto my credit files so as to intentionally ruin my credit rating. 

I want all of my credit files corrected, and I want this credit account removed from all of my credit files, and I would like hard copy proof that the information has been removed. 

I want Macy/DSNB to provide you the Consumer Financial Protection Bureau with the written proof that I have requested, that they have permanently removed all of this account information from all of my credit files, and you the Consumer Financial Protection Bureau can provide me with the written document. 

I dont want Macys/DSNB to bypass your agency. I want all communication to come from Macys/DSNB, to you, and your agency can contact me.
Product: Checking or savings account

My Chime account got closed with the amount of {$15000.00} in my checking account. This took place early in XXXX and I gave the company a call they told me they would send my closure check to the address I had on my account buy I was no longer staying their so I had to send them documents days later on XX/XX/XXXX to get it sent to my correct address. I was told that they were printing my closure check and it would arrive at the address I confirmed but they never truly sent it. I had to continue sending the same documents only for them to finally tell me months later on XX/XX/XXXX they sent my check via expedite to my new address and I would receive it in 1-3 business days then a week went by still no check, so I asked for a tracking number and was told I could no longer get my money for my checking account.
Product: Credit card

I've noticed unauthorized hard inquiries on my credit report from XX/XX/2021 XXXX
Product: Bank account or service

Capital One - 1 ) Refused to give me credit for the rewards dollars I accumulated on their credit card. 
2 ) Refusing to close my account twice even with a zero balance I opened a credit card account with Capital One earlier this year. The magnetic strip on my card stopped working so I requested a new one. During this time we moved to a new address for the first time in 28 years. They suspended my account and asked for all sorts of written documentation to be faxed to them. It would have been difficult to locate, given our move, and I would have had to travel some distance to a XXXX office to fax it, so I refused. I asked them to close my account and credit me for the {$120.00} of cash rewards I had accumulated. They refused. They made me pay my account in full without using my credits saying it was because they had suspended my account, so I 'm out the {$120.00}. Then they never closed my account as I requested despite having a XXXX balance. I just made a second attempt to close the account, was on the line for 30 minutes, and then they refused to do so until an investigator finished " investigating the account. '' I told them I was making notes of the conversation for this complaint and they hung up on me because of that. OK for them to record calls for training purposes, not OK for a customer to make notes of a call. I will now monitor my credit reports closely as well.
Product: Credit card

I have a credit card from Wells Fargo- {$800.00} limit. I transferred {$1200.00} to it from my checking account-XX/XX/2015 so as to use it for a transaction but the extra money was not showing after all. I called the bank XX/XX/2015 to transfer the {$1200.00} back to my checking, I was told that the money will show in my checking account the next day ; I waited till the next day as was told but the money was n't in my checking account so I called again that day-XX/XX/2015, I was told that they will take care of it. On Monday the following week-XX/XX/2015, I went to a shop and my credit card was denied so I came back home and checked my accounts, I did not see the {$1200.00} that was supposed to be transferred back to my checking account and my credit card had been closed. I called them and they said they transferred the money back to my checking account XXXX mistakenly and this threw the credit card account over the limit and my credit card account was closed, the reason being that I went over the limit because the bank made a mistake and transferred {$1200.00} XXXX times back to my checking account instead of XXXX. I called the bank, they told me that they will reopen the credit card account and also request from the credit rating companies to nil of this incident from my credit history. To my surprise, I called this morning, I was told that it was my fault that they transferred {$1200.00} back XXXX into my checking account ; they said because I called XXXX and requested for the transferred back to my checking account and that they did that. 
I am feeling this complaint because I feel cheated out, embarrassed at the shop and felt like this is discriminatory. 
It was not my fault that a bank will make a double transfer when I was told that I was supposed to see the money in my account the next day and when I did not see it, I called back. The transfers did not show on my checking account until the next day-XX/XX/2015, so as at XX/XX/2015, I had no knowledge that such transfers were made. 
It is all the bank 's mistake.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please provide the XXXX  actual response/letters for the investigations dated XX/XX/XXXX & XXXX, 2019.
Product: Credit reporting or other personal consumer reports

Please remove the following Fraudulent hard inquiries from my credit report : The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Here I attach, along with the dispute, my fraud report that I just sent to Experian for the second time so that these questions can be removed, hoping that this time this problem will be completely resolved.
Product: Credit reporting or other personal consumer reports

I have identified unauthorized inquiries on my credit report that were made without my consent. I contacted the responsible creditors, who confirmed they have no evidence that I initiated these inquiries nor any written or verbal authorization for them. Since these inquiries lack valid grounds, I am requesting their immediate removal. 
I previously filed a formal complaint with the Federal Trade Commission ( FTC ) regarding unauthorized inquiries on my credit report. The reference number for that complaint is [ FTC Complaint Number XXXX, filed on FTC Complaint Date XX/XX/XXXX. 
" I am attaching the report of the formal complaint filed with the Federal Trade Commission ( FTC ) as additional support for this claim. This report reinforces my request for the removal of unauthorized inquiries from my credit report, as it details the lack of authorization for these inquiries and the inadequate response from the credit bureau involved. '' Details of Disputed Inquiries : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Legal Grounds ( Fair Credit Reporting Act, FCRA ) : Permissible Purposes : According to Section 604, unauthorized inquiries do not meet the permissible purpose requirements.

Handling Unverifiable Information : Under Section 611, inquiries that can not be verified must be deleted.

Right of Verification : Section 609 grants me the right to verify each inquiry with an original signed contract.

Information Provider Responsibility : Section 623 requires reported data to be accurate and authorized.

Protection Against Identity Theft : Section 605A mandates the removal of unauthorized inquiries that may be related to identity theft.

Additional Legal Support : The cases Pintos v. Pacific Creditors Association ( 2010 ) and Dennis v. BEH-1, LLC ( 2002 ) reinforce that inquiries must comply with the FCRA 's permissible purposes.

Formal Request : I am formally requesting a thorough and manual investigation of the disputed inquiries and their removal if there is no verifiable documentation. I reserve the right to take legal action and file an additional complaint with the CFPB and my state 's Attorney General. 

XXXX XXXX XXXX XXXX
Product: Credit reporting

Two months ago XX/XX/XXXX I became aware that someone had stolen my identity and used it to open a couple of credit cards. I caught it right away, had the cards shut down and placed a fraud alert on all of my reports. Today I get a notice that XXXX has pulled my credit report. When I contact Experian 's fraud department they direct me to call XXXX. XXXX directs me to call Experian. And on and on. All after a fraud alert has supposedly already been entered.
Product: Credit reporting, credit repair services, or other personal consumer reports

Inaccurate old addresses & personal information reporting to credit report.
Product: Debt collection

I sent Portfolio Recovery XX/XX/2019 a Cease & Desist letter as they are not my original creditor and I do not wish to work with them. I had this letter notarized by XXXX, CT. town hall notary as well. I requested that they remove all negative reporting they have reported to XXXX, XXXX, and XXXX. I am putting the CFPB on notice as to what is happening because I am not confident that they will respect my request. I have a copy of my Cease & Desist notarized should it be needed that I sent Portfolio Recovery.
Product: Money transfer, virtual currency, or money service

On Monday XX/XX/XXXX I tried to use the Bluebird mobile wallet/Bank account. I did everything they asked, verified my cards, identity etc to use the service and got transferred the amount of {$500.00} to use at my leisure on the service. 

As soon as I tried to use and and make a transfer to my bank they suspended BlueBird American Express account which had {$500.00} on it. I have no way of accessing those funds anymore and when I called BlueBird American Express they would not help went through 2 transfers and spoke to an BlueBird specialist that told me my account was suspended until further notice do to suspicious activity which they refused to tell me what that was considered or help unlock it. Its unfair business practice as I did everything they asked to create the account and everything was under my name. 

They suspended my account without warning. Now I have {$500.00} in funds that they are basically stealing from me that I can't access. Its frustrating because they just arbitrarly closed my account withoit warning and would not help when I called.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to update my credit file properly due to the fact someone had use my ID back in 2019. I see my name is still spelled wrong and there are SS # that are not mine as well as addresses that do not belong to me. 
Please delete/remove the following names : XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX. 
My current and only addresses is XXXX XXXX XXXX XXXX XXXX Please delete / remove the following unknown/ fraudulent addresses : 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 OHIO 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 LA XXXX XXXX My SS XXXX DOB XXXX please delete any other data or information that doesn't match.
Product: Debt collection

The number XXXX called my personal cell phone asking for " XXXX and XXXX '' who are my brother and sister in law. I asked who was calling and the woman on the line refused to answer my question. Not only did she refuse to identify herself and refuse to tell me how she got my number, she simply said " we use whatever means we can to find people. '' I am a lawyer, but not an expert in the FDCPA, but it seems to me that the FDCPA shouldn't permit every XXXX in America to call my phone because I might be tangentially related to someone who owes them a debt. Apparently ( based on XXXX ) this is Santander auto loans and this is not the first time they've pulled XXXX like this.
Product: Credit card or prepaid card

I have been a loyal customer of American Express for about 5 years. I applied and got approved for a Delta SkyMiles Platinum Credit Card from American Express on XX/XX/2020 ( reference # : XXXX ). When I applied for the card, the welcome offer was getting XXXX Delta miles after XXXX USD purchase, but within 2 days ( XX/XX/2020 ) I saw that the welcome offer was increased to XXXX Delta miles with the same spending requirement ( XXXX USD ).  I called American Express several times to match my welcome offer given that the change was made only within 2 days. However, they refused to do so. Other credit card companies such as XXXX XXXX XXXX have a 30-day offer match policy, but American Express here is being totally unreasonable. One of the customer service member from American Express was very rude and unhelpful, but a supervisor suggested that I make a complaint to CFPB to see if a higher-level office from American Express could do something about it.