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

I am writing to you as a concerned consumer regarding the accuracy and fairness of the information contained in my credit report. As you are aware, the Fair Credit Reporting Act ( FCRA ) ( 15 USC 1681 ), which was enacted to promote the accuracy, fairness, and privacy of information in the files of consumer reporting agencies, grants me certain rights to ensure that my credit report is correct and that I am treated fairly in the credit reporting process.

Under the FCRA, I am entitled to the following rights : The Right to Accurate Reporting The Right to Dispute Inaccurate Information The Right to Be Notified of Adverse Actions The Right to Limit Access to My Credit Report The Right to Privacy and Confidentiality The Right to Seek Damages for Violations I am asserting these rights in my dealings with your agency to ensure that my credit report is accurate, complete, and reflective of my true credit history. Any discrepancies or inaccuracies should be promptly corrected to avoid any adverse impact on my creditworthiness. 

XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

All the accounts I listed are fraudulent accounts this is and identity theft.
Product: Debt collection

Creditors Bureau USA, published invalidated debt to credit bureaus and refused to remove. Per DCPA Section 809 XXXX b ), Creditors Bureau USA is not allowed to pursue collection activity until this debt is validated. 
I requested debt validation within 30 days ( XXXX XXXX, XXXX ) of their initial letter only to find out that Creditor Bureau USA already published collection information with major credit bureaus. The collection agency responded with fabricated invoice containing my information. I followed up with another letter ( XXXX XXXX, XXXX ) requested legal debt validation, however, the collection agency responded with the same invoice containing protected health information ( XXXX ). On XXXX XXXX, XXXX, I made a third request to collection to respond adequately, and I have yet to hear from them.
Product: Debt collection

AFNI Is on my credit report for XXXX I dont owe XXXX any money.
Product: Credit card or prepaid card

I requested dispute notes on my credit report be removed verbally and by written request, but the disputes have not been removed. I no longer dispute the late payments and need the dispute notes removed.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft, which has resulted in multiple fraudulent accounts and inquiries appearing on my credit report. These include 21 unauthorized XXXX XXXX XXXX XXXX XXXX XXXX auto loans fraudulently opened XXXX XXXX XXXX XXXX XXXX XXXX, and 40 hard inquiries that I did not authorize. Additionally, unemployment benefits were wrongfully filed in my name without my knowledge or consent. 

These fraudulent activities have severely impacted my credit and financial standing. Under the Fair Credit Reporting Act ( FCRA ), I am requesting an immediate investigation and removal of these unauthorized accounts, inquiries, and any related fraudulent information from my credit report.
Product: Debt collection

On XXXX I received notification via XXXX that National Credit Adjusters ( NCA ) had reported a collection which dropped my credit score by 77 points. The account NCA is attempting to collect has been in dispute for almost a year and was opened by former member of my family without my knowledge or consent. Attached are my dispute letters to the original creditor and a copy of my FTC Identity Theft Affidavit in regard to this account. Furthermore NCA made no effort to contact me about this collection and I therefore had no knowledge of this prior to today ; in fact according to the original creditor this account was sold to XXXX XXXX XXXX and I received no notification this had changed. Attached is CFPB complaint about failure XXXX 's failure to validate the debt. Also in looking at the collection as it appears on my XXXX  credit report this account shows Date Opened XX/XX/2020 and then Date Reported XX/XX/2020. This is impossible as I did not open any account with NCA or XXXX XXXX on this date. I demand that National Credit Adjusters immediately remove this collection account from all my credit bureau reports. As stated in my phone conversations with the original creditor I as told the alleged debt had been sold to XXXX and there was zero mention of NCA being involved nor did I receive any notification from NCA via mail or telephone call. I feel that this collection was placed on my credit file in retaliation to my previous complaints. As I previously stated during my phone conversations with the original creditor I was told the alleged debt had been sold to XXXX and there was zero mention of NCA being involved nor did I receive any notification from NCA via mail or telephone call. I feel that this collection was placed on my credit file in retaliation to my previous complaints. I will also forward this matter to the Tennessee Board of Commerce and Insurance. If the item remains on my credit report by XX/XX/2020 I will refer this matter to my attorney for legal recourse and will seek all damages as entitled via the FDCPA and FCRA.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts though your company claims to has verified these. 


Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX TransUnion, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/XXXX  in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX I wish to complain about Transunion, XXXX and XXXX in reference to My credit, I have reached out to them 3-4 times this year in reference to my credit. By law I do not consent them to have inaccurate information on my credit.

By law codes : Section 604 15 US Code 1681B Section 605 15 US Code 1681 C-1 Section 605 15 US Code 1681 C-2 I do not consent them ( Transunion, XXXX and XXXX ) to report anything on my credit without my consent
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

The List of accounts/inquiries below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Product: Credit reporting

disputed to Trans union on XXXX/XXXX/XXXX XXXX account remaining on report as open. Account was paid XXXX/XXXX/XXXX. Trans union replied XXXX/XXXX/XXXX in one section on XXXX dispute page marked closed however were it was prior on credit report after the dispute marked paid XXXX balance now the credit report is marked it open and the balance that was due on XXXX/XXXX/XXXX. I called trans union today they claim no prior dispute. I asked if there is no prior dispute how would I have a File # for a prior dispute. As you can see they are sloppy at best. Now my report is a mess and they seem unable to figure out what they are doing.
Product: Checking or savings account

BBVA Compass blocks the use of my atm card because they believe it has been used fraudulently. They flag my card because I am traveling and I use it in a foreign country. I notify them that there is no fraudulent use, all transactions are mine, and that the card is in my possession. They refuse to unblock the card until I show them at a local branch that I am actually the correct person with the card. How am I to do that when I'm 14 hours by plane from home? They expect me to stop my vacations/travels, fly to one of their branches, prove who I am, and then fly back to continue my vacation?

I do not have any access to my money/accounts when I need it most ( traveling ). They have effectively kept me from my money until I return home and they make it extremely difficult. 

The latest occurrence was on XX/XX/2018 and I still do not have access to my accounts. This is the second time this has occurred while traveling.
Product: Vehicle loan or lease

I have a car financed through US Bank that has been deemed a total loss. US Bank provided my insurance company with a payout amount almost {$9000.00} more than what I currently owe on the loan. When I called customer service to confirm the payout amount that was provided to my insurance company and to determine why the amount was so significantly different they stated that since it is a total loss they will only discuss my payoff amount with my insurance company.
Product: Debt collection

The debt was resulted from Identity theft i do not have knowledge of the account
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my credit reports and see that there is this XXXX XXXX Credit Card AKA XXXX XXXX XXXX that I did not authorize to open in my name. This account was fraudulently opened in my name. The balance says I owe {$610.00}, which I do not. Please have this fraudulent account removed from my credit reports.
Product: Credit card

I have a business credit card linked to my business checking account at Wells Fago. In XXXX, Wells Frago converted my credit card from XXXX to XXXX without my request. When I tried to download my credit card transactions to do my taxes for XXXX, Wells Fargo would only give me access to the Mastercard transactions that represent my charges in XXXX and XXXX. They did not provide access to my transactions from XXXX to XXXX through XXXX. I contacted Wells Frago and they said the only thing they were willing to do was to send me PDFs showing transactions through XXXX. I now have to keyboard in dozens, if not more than XXXX transactions. Here is the email sent by Wells Fargo prior to changing my credit card provider : " On XX/XX/XXXX, your current Wells Fargo XXXX XXXX XXXX XXXX will be converted to a Wells Fargo XXXX XXXX Credit Card, with enhanced XXXX XXXX XXXX benefits. 

What you need to know : Your new XXXX account will be visible in online banking before the card is mailed. 
Continue using your XXXX card until your new XXXX arrives. 
Your XXXX will be mailed between XX/XX/XXXX and XX/XX/XXXX, please allow XXXX business days for delivery. 
Your new card will have a new account number, expiration date, and security code.1 Once your new card arrives, confirm receipt at XXXX, or by calling XXXX. 
Your current XXXX will be deactivated after you confirm receipt of your XXXX, or on XX/XX/XXXX, whichever is first. 
Destroy your old card and any XXXX tied to the old account. 
Replace the card in your digital wallet2 and update your account details with merchants that charge your card automatically or have your card details on file.1 Review and update any alerts in online banking.3 ''
Product: Payday loan, title loan, personal loan, or advance loan

The company did not follow collection laws or procedure from the beginning, but on XX/XX/year>, the company agreed via their collections rep to restart my payments the following month on a date that I know the funds would be available. I then requested the validating information from my bank for the rep and forwarded it to her as soon as it was available and prior to the next due date. Additionally, I made my own request that a new payment schedule be provided to me.

From that point forward the rep ignored all of my correspondences, failed to provide the requested schedule -even after follow up request- and failed to accept payment. Then at or about 2 weeks after I provided all the validation and authorization for payment the rep requested, the company filed a civil action against me in order to defraud me.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom it may concern, I was recently reviewing my credit report and I noticed that there were several unauthorized inquiries on my credit report and/or someone has been trying to apply for something in my name. I have already filed the FTC Reports as well and the report numbers are XXXX and XXXX. The FTC Reports are attached. 
Additionally, I have attached a copy of the CFPB ( consumer financial protection bureau ) report under report number XXXX. 
These fraudulent credit inquiries made by the following companies : Inquiries : 1. XXXX XXXX XXXX  on XX/XX/XXXX 2. XXXX XXXX XXXX on XX/XX/XXXX 3. XXXX - CARD SERVICE on XX/XX/XXXX Furthermore, according to the FCRA ( Fair Credit Reporting ACT ), legally these unverified & unauthorized items MUST be removed!! 
I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ). This is a serious breach of my privacy rights. 

My contact information is attached in the documents with this report. 

Best Regards, XXXX XXXX XXXX XXXX
Product: Mortgage

I had covid forbearance and i went through required loan modification process right after the forbearance ended only to be rejected after full 4 months of Nationstar 's " property grab '' game :. 
After i submitted EVERYTHING they have asked for, they kept calling : we don't have this or that and many phone calls followed with ( XXXX ) questions ( excuses ) like : we can't process your application yet because we don't know when the child support is ending!!?? 
Not to mention that they changed the home loan specialist several times to make this process more difficult. 
It was more then obvious they had no intension to offer any modification WHATSOEVER!!! 
The loan modification was dragged on purpose for over 4 months even though i was told that the application will be processed in a month. 
The reason for this is that after 90 days of non payment the mortgage companies receive the FULL amount OF THE ORIGINAL MORTGAGE!! 
So this loan is paid in full.And if someone should be after me is their insurance company/BUt they cant do that because they secured an UNSECURED loan. 

I was asked, against Covid forbearance plan rules, to pay the full amount of covid forbarance at once to become current. 
No trial period was offered and Nation star went right into a foreclosure lawsuit. 
Many people that i know had their covid forbearance unpaid amount pushed to the end of the loan. 
I have asked for that option and i was rejected. 
Nation star did not show any effort to help me reinstate the mortgage. 
It was more than obvious that they ONLY wanted to foreclosure. 

Well, the truth is that my property is protected with an XXXX title which is a supreme title anyone can have so they will face the lawsuit if they try to foreclose against all the rules, regulations and against the law which they are trying to do. 

In addition to XXXX XXXX i have Private indemnity bond that protects my property from such unlawful, PREDATORY mortgage companies. 

I have also filed a 1099 A and 1099 c with The department of the Treasury, IRS which they completely ignored just like my first complaint here filed in XXXX of XXXX  My original second mortgage was XXXX XXXX  and they confirmed many times that second mortgage has NO RIGHT to start the foreclosure which is exactly what Nationstar did. 

So even if foreclosure happens that is not going to be an end for me or them, the lawsuitS will just start and they will lose. 

Get ready Nationstar, I fear no EVIL!
Product: Checking or savings account

I opened a business banking account with JP Morgan Chase. They told me that they sent me a debit card and a PIN number through the mail, but I never received it. I deposited 3 checks for {$7100.00} each. The first one on XX/XX/XXXX, the second one on XX/XX/XXXX, and the third on XX/XX/XXXX. On XX/XX/XXXX, while depositing the 4th check, I checked my balance and realized that something was wrong, because there was only around {$20.00} left in my account. I reported it immediately to the bank and they froze the account. The thief spent over $ XXXX in just 6 days.They never notified me of any suspicious spending activity on my account. 

After a few days of " investigation '' the Bank sent a letter to me stating that they believed the charges were authorized and the money would not be refunded. 
I called the bank ( including a photograph showing that her apartment mail room had many mailboxes that were unlocked and left open ). I also pointed out to them that in addition to the fraudulent charges, there were 2 deposits made to my account ( for {$2400.00} and {$1000.00} ) on XX/XX/XXXX that I did not make or recognize. The made a deposit reversal on those two depsoits, and they reinstated the investigation. They also made a temporary reversal on some of the suspicious charges while they continued to investigate. Yesterday I received another letter denying partial charges on my claim. I believe that they are treating my claim as multiple smaller claims to confuse me and slow me down. As I told them, I never received the debit card, so it is impossible for their to be some claims which were authorized and others which were not. 

This is a business account, and covid has created extreme economic hardship for me and my employees, and Chase is hindering me from moving forward with my business and by taking legal action on this matter if need be by treating my claim as several smaller claims and not giving me a clear answer on this situation involving over $ XXXX in charges which were susupicious on their face -- charges like 3 charges in a row on the same day of {$700.00}, {$500.00}, {$500.00} at the same XXXX XXXX  location. The only reason they have given me is that my mailroom has locking mailboxes and that I haven't made a police report. Since then I have made a police report, and I have sent them photographs showing that my mailroom has many mailboxes which were wide open and possibly broken into.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX added a collections to my credit report and the debt was already satisfied and paid off. I have plenty of proof to this claim as the IRS accepted my paperwork but XXXX  XXXX is refusing to accept it which is also against the law they also added this to my report without my permission or consent 15 USC 1681 permissible purposes of consumer reports states that they need WRITTEN consent from me to add this 15 USC 1681c requirement pertaining to information contained in consumer credit reports may not add any adverse item to me report!! Why are they allowed tk do this without any consequences. This is disgusting. I want this removed off my report IMMEDIATELY
Product: Credit card

City bank claims that I owe {$1600.00} on a XXXX Credit Card ending in XXXX. 
I have never received this card, I have not validated or registered it, OR used it by their own records.. 
Repeated attempts to find out where the charge was generated has failed. I have chosen to pay the card off, but I am sure they will attempt to extort more money from me in the future. 
I do have an active City Bank Card ending in # XXXX which is paid off monthly.
Product: Credit reporting or other personal consumer reports

Re : Request to Remove Inaccurate or Outdated Addresses from Credit Report To Whom It May Concern : I am writing to formally request the removal of incorrect or outdated addresses listed on my credit report. According to the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are obligated to ensure that all information reported is accurate, complete, and verifiable. Under 15 U.S.C. 1681c and 15 U.S.C. 1681i, consumers have the right to dispute information on their credit reports and to request that unverifiable or inaccurate information be corrected or removed.

Upon review of my credit report, I noted the following address ( es ) that are incorrect or outdated and should be removed : XXXX. XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX These addresses are no longer relevant to my credit profile and may lead to confusion or inaccurate reporting. In accordance with 15 U.S.C. 1681i ( a ), I am disputing these addresses and requesting an investigation to verify their accuracy. If the addresses can not be verified as accurate and current, please proceed with their removal from my credit report.

Please update my credit file accordingly and send me a corrected copy of my credit report showing that these addresses have been removed. I appreciate your compliance with federal law in maintaining accurate and complete records.

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Debt collection

LVNV Funding, as listed on my credit report. 
Account # XXXX has been illegally reporting inaccurate information about me. In response that has drastically affected my credit report. Please read as I explain, To whom it may concern : I am not liable for this outstanding debt with XXXX XXXX XXXX XXXX, I do not have a contract with LVNV Funding, On XX/XX/27 they did not provide me with the original contract as I requested to my home address. They declined to have a fax number & business front for walk in customer service. A couple of weeks ago, I noticed on my most recent credit report that they are illegally reporting inaccurate information about me. The following alleged collection account is not only listed as being XXXX, but also as having a PAST DUE BALANCE of {$18000.00} This is a direct violation of the FCRA and is in violation of requisite XXXX Compliant reporting standards. 
According to the Fair credit Reporting Act I have the right to a completely accurate credit report, & you are required to remove any information that isnt true, verifiable and accurate. 
Please IMMEDIATELY remove this account from my credit report and send me an updated report showing your compliance with all XXXX. I need any & all reporting standards and this account to be removed upon completion of this review. 

Sincerely, XXXX XXXX