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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is in violation of multiple laws set forth by Congress in regards to the following account # XXXX. 15 U.S. Code 1671a ( 2 ) ( a ) ( i ) states that the consumer report does not include information solely as to transaction or experiences ( payment history, charge off status ), between the person ( WESTLAKE FINANCIAL ) making the report and the consumer ( myself ). Additionally, 15 U.S. Code 1681s-2 ( a ) ( 1 ) ( A ) states that A person ( WEST LAKE FINANCIAL SVCS ) shall not furnish any information relating to a consumer ( Me ) to a consumer reporting agency ( XXXX, XXXX, XXXX ) XXXX the person knows of has reasonable cause to believe that the information is inaccurate. WESTLAKE FINANCIAL SVCS can not collect on a discharged debt. This is now considered a certificate of indebtness per the IRS and income can not be reported. The IRS clearly defines a charge off as XXXX or ordinary income. INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes reporting of this account inaccurate. 
This reporting is unsatisfactory, WESTLAKE FINANCIAL IS HEREBY PUT ON NOTICE that they are furnishing incorrect inaccurate information. In WESTLAKE FINANCIAL SVCS 'S TERMS AND CONDITIONS they agreed not to share my information with non affiliates. XXXX, XXXX and XXXX is not an affiliate of WESTLAKE FINANCIAL nor are they " bureaus ''. 

I have a right to Privacy and Per the Privacy Act of XXXX as a federally protected consumer, I am now revoking any and all authoritization I the consumer may have given you written, nonwritten, verbal and nonverbal per U.S Code 552a. WESTLAKE FINANCIAL must also refund the remaining balance of the consumer account upon its termination. this your 7 day notice to return ALL money due from this consumer. account THIS IS A WARNING YOU HAVE VIOLATED MY RIGHTS AS A CONSUMER AND IF YOU DO NOT CEASE ALL ACTIVITIES AND REQUEST FOR THIS ACCOUNT TO BE DELETED FROM MY CONSUMER REPORT, I WILL COMMENCE A CIVIL ACTION AGAINST YOUR COMPANY, IN THE UNITED STATES XXXX XXXX. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am filing this complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax disregarded my multiple attempts.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



Open Account : XXXX XXXXXXXX XXXX # XXXX Closed Accounts : XXXX XXXX  # XXXX XXXX # XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX # XXXX XXXX # XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/2023 XXXX XXXX XXXX  XX/XX/2023 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Open XX/XX/17 Amount XXXX Account balance is XXXX account is paid in full
Product: Credit reporting or other personal consumer reports

I submitted a dispute with experian about a car loan repossession on my credit. They denied my dispute and they did not provide me with clear steps on how they determined and verified this debt was mine which it isnt. I am a victim of identity theft and Ive been saying it for years. They refuse to investigate and they refuse to take that loan off my credit.
Product: Credit reporting or other personal consumer reports

I recent notice Multiple inquires on my credit report that were unauthorized. Most bring in XXXX XXXX XXXX XXXX. I have been previously notified by Equifax XXXX XXXX that I was a victim of Identity Theft due to Security Breaches with their respective companies. There is no surprise that my information can/could be used to attempt to receive credit or accounts. I have since filed a report with IDTheft.gov and will upload report to this complaint. I AMM respectfully requesting each respective Credit Bureau delete each unauthorized Hard Inquiry off of my consumer reports. 

My other issue with the 3 Credit Bureaus XXXX Equifax, XXXX & XXXX ) is : I am requesting the DELETE ALL the listed Charge-Off Accounts on my reports due to there are no longer any Balances owed on each respective account. 

THE LAST DATE OF ACTIVITY, THE LAST DATE OF PAYMENT, THE ACCOUNT NUMBER, THE BALANCE EVERYTHING ON THIS CREDIT ITEM ON MY CREDIT REPORT LOOKS TO BE INCORRECT. CAN YOU PLEASE DELETE THIS ITEM FROM MY CREDIT REPORTS Lastly ; There are Two ( 2 ) Listed Dismissed XXXX XXXX  Bankruptcies on my Credit Reports. Ive already disputed them directly with the credit bureau to delete them because the Court did not send this info to the Credit Bureaus Directly, and by law it should not be Reported on my credit reports
Product: Credit card

My ex girlfriend opened a credit card account with Capitol One and added my name as an authorized user on the account without my knowledge. Capitol One says because my name is not the primary and its just as an authorized user I can not have my name removed from this account. I would like my name removed from this so it does not negatively affect my credit again if she uses it and doesnt pay it.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I requested what method of verification of they used to verify the bankruptcy that is being reported on my credit report. On XX/XX/XXXX I received a letter from TransUnion stating that they verified the bankruptcy through XXXX XXXX XXXX Illinois. I reached out to XXXX XXXX via mail and they returned a letter on XX/XX/XXXX stating that they do not verify or communicate with third parties or credit bureaus. 

On XX/XX/XXXX I mailed letters to TransUnion requesting the removal of the bankruptcy # XXXX that is reporting on my credit report. I sent them the original letter from XX/XX/XXXX, TransUnion investigation results letter from XX/XX/XXXX, and a letter from the XXXX XXXX stating that they do not verify or communication with third parties or credit bureaus. 

On XX/XX/XXXX, I sent in a second set of all the letters listed above via mail. Both mail attempts were sent certified and signed for by someone at TransUnion. 

As of XX/XX/XXXX, I have yet to receive anything back from TransUnion in regards to this investigation.
Product: Mortgage

Since late 2020 mt originalmortgage servicer XXXX XXXX XXXX, I have been put through a nearly 4 year battle with loss mitigation. I ha e sent numerous signed and notarized agreements with tracking, they claimed each time they never received them, a drew up new forms with different rates. Finally they sent out a notary to our home and still they claimed to never have received them. They then stop taking my calls or calling back. In XXXX of this year I was told my new mortgage servicer is PHH, they sent out an agreement with nearly double the interest rate, I called and was told that they don't transfer calls and that I had to make an appointment to speak to someone about it, so i.made the earliest appointment, XX/XX/XXXX. I never received a call. I have been calling and making appointments with no return calls. I found out XX/XX/XXXX, from an investor showing up to my door that their is an auction set for XXXX on XX/XX/XXXX to suction my home. I NEED HELP please. 

They expect {$67000.00} unordered to reinstate my mortgage. They are the ones who refused any payments
Product: Credit reporting or other personal consumer reports

The amount that says is owed to XXXX is {$1000.00} XXXX has sent this to XXXX XXXX. I called them and complained and now they added one that is 2000 plus dollars from XXXX and I have not used XXXX in over 20 years. The XXXX account was opened fraudulently and a police report was filed with the XXXX, XXXX XXXX XXXX  The lady that stole my phone that went by the name of XXXX stole wallet, phone and got a grand larceny charge against her because the amount stolen was greater than {$1000.00}. She stole my identity and opened a XXXX account and bought a XXXX tablet. I have repeatedly begged and pleaded with XXXX XXXX to remove this. I have also pleaded with the debt holder XXXX XXXX XXXX XXXX. XXXX XXXX does not have any of my information correct either. I payed off a vehicle to XXXX XXXX  and it shows I am current but owe XXXX. As a proud XXXX XXXX XXXX of the XXXX XXXX having served 8 years for my country I do not believe I will ever enjoy the American dream of owning a home with the credit system and credit bureaus keeping my score down to charge higher interest rates. The XXXX and XXXX collections on XXXX XXXX under XXXX XXXX  are completely false and need to be removed. I also submitted a complaint to the XXXX  Attorny general XXXX XXXX in hopes of helping me solve this complex issue as well. I have XXXX children XXXX of which is adopted. I can't afford to have a poor credit score. Any help with these Multi Billiondollar power houses like XXXX which I soent 47 minutes on the phone with only to be passed from person to person and on hold forever would greatly be appreciated. XXXX XXXX only added XXXX after I complained about the XXXX account. I have had neither in many years. Thank you. 

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

I have been a victim of identity theft. My personal information has been used to obtain goods and services. I contacted Transuinon and told them that this inquirires are fradulent and provided proof, even though they told me that this inquirires were verifed Please dispute and remove this fradulent inquiries from my credit report XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Equifax has provided proof that I am a victim of their data breach. from XXXX - XXXX
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : 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
Product: Credit reporting, credit repair services, or other personal consumer reports

EXPERIAN IS REPORTING AN INCORRECT ADDRESS TO AN ACCOUNT THAT IS UNDER A LAWSUITE TO WHICH I AM INCLUDED. 

XXXX XXXX XXXX is currently in a lawsuit to which I am apart of. 

However EXPERIAN has the incorrect address on file and will not validate this account to provide the correct address as well as information that this account actually belongs to me by verifying a document bearing my signature that this account is mine according to FDCPA per code section 807-8. 

The account currently is reported charged off with no actual point of contact as the address is WRONG! SO HOW CAN I VALIDATE? Attached is a history of certified letters sent to which the address Experian provided was NEVER delivered.
Product: Credit card or prepaid card

Barclay originally offered it 's Gold card to XXXX XXXX service members with 0 % APR and waived the {$990.00} annual fee as long as the members were XXXX XXXX XXXX. As of XX/XX/XXXX, slightly less than a year after signing up for the card, I received a letter stating that company policy was changing for service members and that the annual fee would no longer be waived. I was informed that on my next annual cycle I would be charged the annual fee unless the card was canceled prior to that date. While I understand that changing their policy is within their rights, I believe that this was predatory lending/marketing against service members, they advertised one policy and then changed that policy after they got the card member to sign up. In XX/XX/XXXX I received a second letter stating that if I closed the card I would not be forced to pay the balance immediately but could pay over time until the balance was paid off. While this lessens the blow if I close the card I 'm still left with the damage to my credit score that would be caused by opening a new account for less than a year that I would not have opened under the current company policy and carrying a balance with no line of credit.
Product: Debt collection

This is in reference to a previously submitted complaint XXXXXXXXCDI Affiliated services resolution is to simply state that the account has been flagged as disputed on the consumer 's credit profile. That is not good enough. I insist they acknowledge that they as debt collectors fall under Idaho statute XXXX XXXX chapter XXXX and not under XXXX XXXX chapter XXXX. This will go to litigation if they do not remove themselves from my credit report.
Product: Credit reporting or other personal consumer reports

I sent certified mail to XXXX, XXXX, TransUnion LEGAL DEPARTMENT demand for arbitration on XX/XX/year>. I sent over my 1099 C to have them to update correct account information. The documents are attached. All accounts listed are PAID IN FULL & with corrected amounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account was paid in full in Accordance with 26 CFR 1.6050P-1 by creditors policy 's so please update to paid in full and balance of XXXX as shown by such filed 1099-C. I have allowed 30 days and I will contact legal authorities and also file the necessary complaints XXXX, XXXX, and whomever. You have 10 calendar days to act on the demand for arbitration.
Product: Credit reporting or other personal consumer reports

I want to emphasize that I did not authorize the opening of these accounts, and I suspect they are the result of fraudulent activities. I urge you to thoroughly investigate these accounts and ensure their prompt removal from my credit report. I have provided supporting documents to substantiate my claims.
Product: Money transfer, virtual currency, or money service

THEY FROZE MY ACCOUNT WON'T GIVE ME An EXPLANATION AND WON'T LET ME ACESS MY FUNDS FROM MY PAYROLL
Product: Checking or savings account

I am filing a complaint with the CFPB regarding XXXX XXXX 's failure to deposit my direct deposit from my employer and any other incoming deposits. XXXX XXXX has cited technical issues, which may violate the Electronic Funds Transfer Act ( XXXX ) as it requires timely access to funds. This situation raises concerns about consumer protection laws, and I request your assistance in investigating this matter to ensure my rights are upheld. Thank you.
Product: Debt collection

My documents were stolen in 2003, My identity has been compromised, several accounts has been opened without my authorization. I am unaware of these accounts.
Product: Payday loan, title loan, personal loan, or advance loan

Upgrade discriminated against me due to my " Credit Profile '', I spoke with multiple members of their team explaining " I am the original consumer and am aware of my rights, reporting to consumer reporting agencies is voluntary. This private transaction is unfavorable to me as a consumer, nowhere in the term adverse action defined within the FCRA does it mention that a natural person can be denied credit. As an original creditor it's unlawful to be denied my right to be granted credit, my credit was used and I received no benefit from the use of my credit. '' Their response over the phone was that it was XXXX who denied me my to be granted credit and I need to speak with XXXX XXXX
Product: Credit card

Citicards has FAILED to return a {$100.00} disputed charge which they owe me and their customer service, especially a " XXXX '' that works in the dispute department is utterly incompetent and laughs at the customer BEING right. This credit card company, as well as all the others across the USA, are clumsy fools at best.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash app ( block inc ) due to inadequate customer service and unfair practices which violate the consumer protection financial act ( CFPA ). Specifically Cash failed to take timely and effective measures to prevent and address fraud on their platform. Leaving my account vulnerable and unprotected. Furthermore their dispute resolution process.

Was unfair and deceptive as they did not comply with error resolution requirements under the electronic fund transfer act ( EFTA ) and regulation E. these actions have caused significant. inconvenience and financial loss and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

I have noticed unauthorized inquiries on my credit report that I would like to have removed. According to the FCRA these unverified and unauthorized items must be removed immediately. 
Information reporting listed below : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Global Lending Service XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Mortgage

Many years back ; we got from Chase Manhattan Bank an Equity Loan on our fully pay home ; every 10 years ; we renewed the loan ; the last expiration date of the equity loan was ; XXXX/XXXX/2015 ; and as we did before, we apply to renew the Equity loan before ; but after we presented the application and all the requested paperwork ; including the income taxes for the last 3 years, etc. ; the equity loan renewal was denied, because we have : too many payments obligations ; and not enough income to renovate the Equity Loan and be able to make the monthly payments of approximate {$1300.00} ; therefore ; since we do not qualify to renovate the Equity Loan ; the JPMorgan Chase officers ; converted existing Equity Loan witch used to have minimum payments of {$1300.00} a Month ; to a 15 years mortgage with monthly payments of approximate {$3400.00} ; and we was qualified for this new mortgage and approved! 
In other words without any changes in our income or expenses ; we do n't qualify to pay {$1300.00} a month ; but yes we qualify to pay {$3400.00} a month ... Can anybody explain this? 
I believe this is something very unfair ; and we had been discriminated ; and harassed ; because me and my wife that we are in the XXXX 's ; will need to earn {$25000.00} more every year ; to be able to make the new mortgage payments ; and at this age how we will earn this additional income every year? 
Consequently to be able to make the payments in time ; at this age ; we are working part-time ; ( besides our regular work ) and are borrowing money from the family ; and using credit cards ; but we no longer will be able to continue like this, and we will lose our home.. 
We never make late payments to this loan ; or any other one ; we never have a foreclosure ; we never been in bankruptcy ; and the value of the property is between {>= $1,000,000}. to {>= $1,000,000} ; full paid ; except for the {$460000.00} Equity Loan balance. 
And why ; at list ; the JPMorgan Chase officers converted the Equity Loan to a 15 years mortgage with huge monthly payments instead to a 30 years mortgage with a smaller more affordable monthly payment ; without give us the opportunity to choose or consulting us first.. 
After the JPMorgan Chase officers decided that we do n't qualify to renew the Equity Loan for 10 more years ; and immediately approve us for the conversion of the Equity loan to a 15 Years Mortgage ; ca n't they instead of convert the Equity Loan to a 15 years Mortgage with unaffordable monthly payments, give us the opportunity to renew the Equity loan for only one or two years, to give us the time and the opportunity to sell other full paid properties that we own and pay in full the balance of the Equity loan ; or pay a percentage of the balance and have a smaller Equity Loan and be able to qualify? 
Can the any Government Institution found out why JPMorgan Chase did this to us ; and if is any possibility to reverse this " non common senses '' : That without any changes in our income or expenses ; we do n't qualify to pay {$1300.00} a month ; but yes we qualify to pay {$3400.00} a month?
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX according to XXXX XXXX XXXX  1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ). 

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Product: Debt collection

I went to court for a credit card debt with XXXX XXXX also know know as Asset Acceptance XXXX XXXX XXXX and it was thrown out due to me being a XXXX XXXX  not making much money and this debt is from the XXXX XXXX XXXX. This company is now using another collection agency to come after me regarding this debt. I would like for this debt to be removed my credit and not be XXXX by the nor my family members any longer. This debt is over XXXX XXXX XXXX now.