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

there was letter dated Month of XX/XX/XXXX to Chrysler capital requesting the financial institution remove the incorrect data that dose not belong to Mr.XXXX  XXXX due to cover 19 issue I did receive the respond on XX/XX/XXXX from Chrysler with already took more than 30 days that's fine they still did not remove incorrect information I receive a respond that I don't have the proper documents to move forward the Chrysler cap asked to notarize the affidavit and send require docs such as police report for id theft along with other docs I did send the document give or take 20 days later and respond came back we can not process the dispute you have not provide us enough information to remove the negative data from the report or ( account ) in fact after my review I have sent cChrysler Capital on XX/XX/XXXX with USPS TRACKING NUMBER ( XXXX XXXX XXXX XXXX XXXX XXXX requesting to remove the negative account information but this time I had sent every documents that they ask for along with my letter of demand to remove the information in fact provide every peccary step that Chrysler Capital have took to ad the negative information on my credit according to fora law how ever Chrysler was not success full to remove the information the respond was over 30 days from Chrysler the the respond was dated XX/XX/XXXX they can resolve this issue since I have not provide enough information with is not excuse I even wrote the police department that I filled the identity theft with on my letter with officer name at that division in fact there was 2 identity theft was filed on XXXX and XX/XX/XXXX how ever the Chrysler capital failed to resolve this issue again the Chrysler giving the sad excuses to not remove this account
Product: Credit card

XXXX store credit card through Synchrony bank - When making payments quickly ( i.e. within days of the charge posting on the card ) Synchrony will " hold '' payments for " security '' when in reality I believe they are penalizing consumers for not running a balance on the card. I couldn't get it in writing how long payments would be held, but some have been up to a few weeks with no warning.
Product: Credit reporting or other personal consumer reports

I noticed multiple hard inquiries on my report that I did not authorize.
Product: Credit reporting or other personal consumer reports

XXXX Progress balance {$200.00} verification of false debt requested by me XXXX XXXX XXXX balance {$2000.00} verification of false debt requested by me XXXX XXXX XXXX balance {$140.00} removal of incorrect information requested XXXX XXXX {$720.00} card stolen information stolen false account One Main balance $ XXXXverification of false debt requested by me
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Dear Equifax, I, XXXX XXXX, consumer, and natural person, am aware of all rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ). The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

1.Account Name : XXXX XXXX  Account Number : XXXX 2.Account Name : XXXX Account Number : 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 Delete these accounts immediately, unless you want to be held {$1000.00} per violation
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to inform you that FBC Mortgage LLC payment history is inaccurate information on my credit report. I am requesting that you deleted this account of my credit report.
Product: Credit reporting or other personal consumer reports

Hi Experian, I do not know what is going since my identity was stollen by those fraud people who open this fraud XXXX XXXX account without my knowledge. This fraud account balance changed from {$13.00} to {$1100.00} because of all the fraudulent activities. I am not responsible from this account and I shall get this fraud account delete from my credit report since someone else opened this account. I am aware that, as per ( 15 USC 1681 A and 15 USC 1666 B ), you are require to complete this reinvestigation or delete this fraud account within 30 days by law.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/21 I sent WELLS FARGO AUTO a Debt Validation Letter, Cease & Desist Letter, and a Affidavit of Truth which was sent Certified Mail with a receipt. Still No response until I made a complaint to the CFPB. However ANY Affidavit according to law, not rebutted line by line is deemed True. I sent out another on XX/XX/21 Certified Mail, letting them know they did not respond in a timely manner. They have violated Federal Law by not providing viable evidence of a contract bearing my signature. The account today is still showing on my consumer profile and it reporting inaccurately. According to the FCRA any unverified items reporting negatively has to be removed. This institution keeps reporting my information as updated. OnXX/XX/21I spoke to XXXX  from XXXX  in the Fraud Department. He was very rude and as I stated to him pursuant to 15 USC 1692 I do not owe any debt because I am a protected consumer and I'm not obligated to pay. I do not owe any debt pursuant to 15 USC 1602 ( o ). I do not owe that debt attached to that account pursuant to 18 USC 8 the debt belong to Social Security Administration. I do not own any debt attached to that account. I also explained that these companies can not validate any debt. To validate a debt is to access an action. I am the administered agent and the only person who can validate the debt, and the debt ISNT MINE!!!!! 

He then proceeded to cut me off and tell me that XXXX  does not have the ability to delete items right away. Which pursuant to 15 USC 1681i ( 5 ) they can delete it. They are completely lying and its unfair to the consumer. He proceeds to say, It has to go through the necessary process ( DISPUTE ). I have expressed I have disputed these items over a period of months. Not only are they in violation of 15 USC 1681b they have continued to Defame my Character which is a Violation of a consumers right to Privacy 15 USC 1681a ( 4 ). After so many attempts to settle this situation I am seeking remedy under15 USC 1681n. I would like the accounts to report pain in a XXXX balance due to the accounts being unverified 15 USC 1681i ( 5 ) and deleted off my report. Also I have attached a Response Letter sent from through the CFBP.
Product: Credit reporting, credit repair services, or other personal consumer reports

My personal information was used to open accounts in my name. Those accounts do not belong to me and i would like to have the credit bureaus remove the fraudulent information. I have sent them letters and reports explaining this information. I have reach to the companies involved and now I am reaching out to you. 

TRANSUNION-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 DEPT OF EDUCATION XXXX XXXX XXXX DEPT OF EDUCATIONXXXX XXXX XXXX DEPT OF EDUCATION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I get a call repeatedly from different numbers as soon as I block them they call with a different number and leave a voice mail hi this a bebt collector. This is XXXX XXXX please call us back XXXX called from XXXX XX/XX/XXXX @ XXXX p.m. called from XXXX wensday left voice mail, called from XXXX on XX/XX/XXXX left voice mail, called from XXXX on XX/XX/XXXX left multiple messages after that date to I deleted them after blocking them I am in a chapter XXXX bankruptcy and if this counties I will seek a law suit against them. For harsment.
Product: Credit reporting or other personal consumer reports

EXPERIAN CREDIT BUREAU IS 3 INQUIRIES ON MY REPORT THAT WAS SHARED WITHOUT MY CONSENT. ALSO, IMPROPER USE OF MY CREDIT REPORT. PLEASE HAVE THEM REMOVE AND DELETE THESE INQUIRIES LISTED BELOW, THANK YOU : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Capital One backing has deleted my business accounts and also is preventing me from accessing my direct deposit financials from my employer. I can not pay any bills or 1099 subcontractors until this is resolved.
Product: Credit reporting or other personal consumer reports

TransUnion is not allowing me to open a dispute online. They will not let me upload supporting documents online. A lender recently extorted payment from me by publishing incorrect information which TransUnion happily endorsed and published and I need to dispute it, using their own credit report and payoff documentation, and they will not allow me to. They told me they opened a dispute when I called, and when I called back, no dispute was there or had been filed and I'll never know because the online portal doesn't show any of my disputes or my credit report
Product: Debt collection

I contacted XXXX multiple times to remove the collection account. This medical collection was generated in error and I paid the account on XX/XX/XXXX in full. The collection agency also notified all credit bureaus to remove the account from the credit history as it was in error and has been paid in full. XXXX and XXXX removed the account but XXXX has not taken any action. When contacted multiple times, I was told that the collection agency is still reporting the debt, when they are not.
Product: Credit reporting 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 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  has violated my rights. Or a list of inquiries : 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: Checking or savings account

Someone stole my mail and was able to access my bank account information and charged my business debit card and charged a couple transactions and several attempts later Wells Fargo bank denied my claim based on information that was completely invalid.

1. I have a police report that is very clear with respect to my identity being stolen.

2. There were multiple attempts made on my card where no funds we available to cover the transaction. The merchant then charged smaller amounts on separate dates.

3. Wells Fargo claims that my data regarding online banking was found to have been in review of transactions which is only true regarding the transaction that hadnt yet posted to the account. And despite my catching it and filing a stop payment for fraud still went through.

4. Ive now escalated to the executive office team and they have said the claim has had its final decision and they wont help me further. 

Total of these transactions are close to {$5000.00}
Product: Credit card or prepaid card

My XXXX balance on my Citibank XXXX XXXX was due on XX/XX/17. Unfortunately I did n't process a payment until XX/XX/17, at which time I paid off the prior balance in full. 

As I expected, I had to pay a {$39.00} late fee as well as interest on the XXXX balance. However, unbeknownst to me, Citibank decided to create a " revolving balance '' for the month of XXXX, and charged me interest on the following statement as well. Even though I paid off the entire XXXX balance on time, I was assessed another interest charge on my XXXX statement as a result of this " revolving balance. '' When I contacted Citibank, they told me that this is standard practice in the industry. After some back and forth, they finally agreed to credit me back the interest that they charged me for the XXXX balance ( that I had already paid in full ) as their way of being courteous. 

If this practice is indeed now an industry standard, it is extremely predatory and should be regulated.
Product: Credit card or prepaid card

I applied for a credit card with Capital One. In response, I received a letter dated XX/XX/XXXX stating, in part, that : " ( W ) e were unable to verify the following information : Address '' and requested that I call immediately. After being on hold for more than 15 minutes, I spoke with " XXXX '' who told me my address was fine. They had to verify my identity and want my driver 's license. I told him that should have been requested in the letter. I also told him I refused to provide driver 's license information over the phone. I told him Capital One 's business practices were deceptive and he told me he would cancel my application. Capital One should write an honest letter and provide justification for the information they are requesting. Since other companies approve online applications, Capital One should do so too. If their application isn't complete online, they should update it or remove it.
Product: Debt collection

Never knew about a debt regarding a company by the name of XXXX, supposedly opened XX/XX/2020. Never had any contract with them or any other company to establish this debt. No formal or informal agreements were ever made. In addition, per The Comprehensive Credit Reporting Enhancement, Disclosure, Innovation, and Transparency Act of 2020 Section 401 explains details regarding adverse credit details within my credit file. Especially since this too is a XXXX XXXX. The new laws are very explicit regarding Medical Debts now. XXXX Credit Bureau is known to not validate/accurately verify debt disputed. Tried calling the company to handle matter but they threatened to come to my job to discuss this and humiliate me/harass me. I've had it. This is the final step prior to my going to an attorney to establish and execute my rights.
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. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or a list of inquiries : 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 an 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 or 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: Credit reporting or other personal consumer reports

Attention litigation Department, As stated in case law XXXX vs Transunion XXXX and so many more ; there is XXXX15usc 1681i violation. You have failed to properly investigate, and the inaccuracies & inconsistencies still exist well after 5 months. Remove the accounts listed or a Notarized Notice to file suit will be sent out on XX/XX/XXXX via certified mail. I will also expect remedy and compensation of the minimum lawfully owed {$1000.00} per violation. 

15 usc 1681n You are now also infringing on my rights.The denials that I have received since these errors, EVEN AFTER KNOWN DATA BREACHES, are hindering my growth in life. I'm due for compensation.
Product: Debt collection

XXXX XXXX XXXX keeps responding that I am making frivolous complaints against them but fail to address specific concerns raised. Is the promissory note being traded? This is a yes or no question. In no attempt have I made any statement that is not true. XXXX XXXX doing business as XXXX is an active registrant with the SEC which you have to be to transfer and sell securities it is outlined in the Securities Exchange Act. If XXXX XXXX is not engaged in securities fraud how were they able to transfer the note and hire Mr Cooper as the servicer which they pay them a fee just to collect payments and make phone calls to its customers but they do NOT have the note because it was already deposited so it could be paid out. All of this can be easily proven by getting a licensed broker to run the account number and matching this information up to the cusip number and XXXX XXXX accounts numbers. If XXXX XXXX would just answer my questions about the this alleged fraud I would stop filing complaints until then I have every right to get the CFPB, SEC ( whistleblower ), & XXXX involved to track their activities involving securities since what Im stating is untrue. If you reply back that I am incorrect again this is exactly what I will do.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX Equifax Information Services XXXX XXXX XXXX XXXX, GA XXXX DEMAND FOR COMPLIANCE Date : XX/XX/2022 To Whom It May Concern : This is a follow up to previous dispute of the unverified negative items on my credit report. On XX/XX/2022, I mailed you a letter disputing ( 10 ) accounts as fraud, certified mail with return receipt requested. I received notification that you had received the dispute letter in the mail on XX/XX/2022. I have not received a response from your company as of XX/XX/2022. In accordance with Section 611 ( a ) ( 5 ) of the Fair Credit Reporting Act, you have 30 days to investigate disputes. You must delete all disputed accounts from my report if you are unable to verify the information within the 30-day time frame permitted by federal law. The disputed and unverified accounts must immediately be deleted. Failure to do so could result in a {$1000.00} fine per item that is not removed. 

In accordance with federal laws, a Consumer Reporting Agencies shall only furnish information in accordance with the verbal or written consent of the consumer to whom it relates. Reporting a consumer 's personal or financial information without prior consent is a direct violation of 15 U.S.C 1681 ( a ) ( 4 ) and is a violation of 18 U.S.C 1028A.

I have enclosed the original letter Outlining the disputed accounts.

Since I am prepared to pursue this matter in Federal Court, if I do not receive formal notices that these unverified accounts have been removed, I will file a lawsuit for identity theft, invasion and deprivation of privacy, defamation of character, and for impermissible purposes. Please be advised that as part of the legal proceedings, I will be seeking monetary damages for the numerous violations committed against me, the consumer, a natural living person. These compensations are non-negotiable as I have already given you the opportunity to remedy this matter. I'd like you to send me a free updated copy of my new credit report after you've removed these account ( s ).

Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required Thank you in advance, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I would like to request the suppression of this item from my credit report, which is the result of a fraudulent item origination and identity theft. This fraudulent item should be DELETED from appearing on my credit report pursuant to SECTION 605B OF THE FAIR CREDIT REPORTING ACT. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Transunion is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotional, physical & financially... and I would truly not what to pursue a legal remedy... I'd like the accounts below deleted from my file ASAP : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX