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

I have been disputing multiple inaccuracies on my credit report with Experian for over a year. Despite my repeated requests, Experian has failed to provide a valid method of verification, as required by FCRA 611 ( a ) ( 7 ). Instead of correcting the errors, Experian has engaged in deceptive and retaliatory practices, violating multiple provisions of the FCRA. 

Unauthorized Reinsertion of Negative Information ( FCRA 611 ( a ) ( 5 ) ( B ) ) My XXXX XXXX  XXXX  account, which was settled and closed in 2019, was reclassified by Experian as potentially negative with retroactive late payments ( 30, 60, 90, 120, and 150 days late ). 
This negative information was not previously reported. Once I disputed the account, Experian added late payments that never existed before, violating the reinsertion protections of the FCRA. 
Experian failed to notify me in writing within five business days, as required by law. 
Failure to Provide Method of Verification ( FCRA 611 ( a ) ( 7 ) ) Experian continually refuses to disclose how it " verified '' the disputed accounts, instead responding with generic, automated letters stating the accounts were verified. 
Experian has failed to provide the specific furnisher or documentation used to verify the disputed accounts, violating my rights under the FCRA. 
Unauthorized Reopening of Closed Accounts ( FCRA 607 ( b ) ) Several closed accounts in good standing were improperly reopened and reported with balances, negatively affecting my credit utilization and falsely misrepresenting my creditworthiness. 
Accounts affected include : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Failure to Maintain Maximum Possible Accuracy ( FCRA 607 ( b ) ) Experian continues to report inaccurate, misleading, and outdated information on my credit report, despite my repeated disputes. 
Unfair and Deceptive Reporting Practices ( FCRA 623 ( a ) ( 1 ) ( B ) ) Experian intentionally altered my account statuses after I disputed them, which appears to be retaliatory in nature. 
The XXXX account, before my dispute, was listed under a dispute status with no late payments. However, once I disputed it, Experian added late payments that did not exist before.
Product: Payday loan, title loan, or personal loan

This started back XX/XX/2021. 

Tried to keep payments up. Asked to refinance. 

They stated they have sent it, no no they didn't. 

By email or mail. 

Then finally received paperwork XXXX in mail, sent back to an address which wasn't any good. 
XXXX XXXX XXXX XXXX, Tx XXXX. 
In the mean time sent payments is XXXX??. 
Stop sending payments in XXXX and XXXX. Will keep payments in a savings account until. They comply with a reasonable refinance. 

Now, refinance is no good because has gone. 

I am at my ends with this company XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, Tx XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted 4 certified letters to Transunion, XXXX, and XXXX Credit Bureaus. The letters I submitted disputed the creditor of XXXX XXXX closed account as a charge-off. I have requested to have my signed application as verification of debt, yet each credit bureau has yet to produce the documentation nor delete the creditor from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit with you has been compromised. I was going through my records & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any account which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX XXXX  XXXX
Product: Debt collection

harris & Harris original criditor XXXX XXXX XXXX hospital this company has damamge my credit XXXXXXXX XXXX hospital was suppose to be getting this debt settled because it was a work comp issue.i told them nurmorous times to contact the job or work man comp
Product: Credit card

I received an Amazon Prime credit card replacing my existing Amazon Prime credit card through Chase Bank that I never applied for. The credit card came addressed to me, to my home address. I received this credit card after my Amazon account was also compromised. The card was received on XX/XX/2023. I filed a police report the same day stating that I never applied for the credit card. There was also a prepaid envelope indicating I needed to return my old credit card for secure disposal. My existing credit card is XXXX, while the new Amazon credit card happens to be blue. The address on the envelop is : SHIPPING RETURNS XXXX XXXX XXXX XXXX OH XXXX. 

I NEVER applied for this credit card. This is fraudulent activity on my account, nor do not accept this. My information has been compromised and this needs to be remedied. Someone has access to my personal information and is trying to either impersonate or steal my identity.
Product: Checking or savings account

On XX/XX/2022, I made a deposit and it stated that funds will be available on XX/XX/2022. I called to see about if I could apply for a credit card and I was told they were closing my account. This is second bank that has done this and I have not done anything to warrant such actions. They said the could not tell me why so the sender of check had to stop psyment on the check duet to we were notaware of what would have happen to funds or if they would have been held any longer and they are sending me a statement as if I have a active account but said its due to close the account to close in XXXX.
Product: Mortgage

In XX/XX/2021 I spoke with a loan officer with AmeriSave in regards to refinancing my three properties. We agreed on rates and associated costs. When the original documents arrived I noticed the box marked float rate was prechecked. I call the agent and told him I do not want floating I wanted it fixed and to change it. He said it was prechecked to floating to protect the consumer from missing out when rates drop but it also guarantees our original rates even if rates go up. I questioned this the last few months everything they sent me updated disclosures with higher rates. He assured me that it was just the current market but would not be my rate. My rate would be the original rate. Yesterday they sent me notice of final rates and fees of one of the properties. It was higher. They then informed me the others had already closed. When I asked what they closed at the rates were also higher. He now after lying for 2 months that AmeriSave only does floating rates and did not expect rates to go up. He purposely lied and misled me even when I demanded fixed rates and questioned it over and over.
Product: Credit card or prepaid card

I was charged by XXXX XXXX on XX/XX/XXXX in the amount of {$87.00}. I am uncertain of what the fee is for when I have already cancelled this service on XXXX of XXXX. I have contacted Chase Bank, my credit card company where mentioned charge was done, that the {$87.00} was not warranted, I was charged for a transaction or trial subscription that I cancelled, I did not authorize this purchase. Chase initially credited my account on XXXX XXXX of XXXX. On XX/XX/XXXX, said charge was being charged to me. This complaint is for Chase Bank. I will submit a separate complaint for XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to delete the following information in my file. The items I need to be deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The following accounts are violating my rights. 
XXXXXXXX XXXX XXXX  : Last reported : XX/XX/2022 Open balance : {$3100.00} XXXXXXXX XXXX XXXXXXXX XXXX : Last reported XX/XX/2022 Open balance : {$700.00} XXXXXXXX XXXX XXXX  XXXX TX : Last reported XX/XX/2022 : Open balance : {$430.00} XXXX XXXX XXXX  XXXX XXXX : Last reported XXXX XXXX, XXXX  : Open balance {$250.00} XXXX XXXX XXXX : XXXX XXXX XXXX  : Open balance {$230.00} XXXX  XXXX XXXX XXXX : Last reported XX/XX/2022 : Open balance {$62.00} 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 authorization.
Product: Mortgage

My mortgage loan is currently serviced by Bank of America. I have applied for a HAMP loan modification on numerous occasions. Recently they issued a denial citing negative Net Present Value XXXX NPV XXXX as the reason - see attached. The principal component of the NPV denial is not described, leaving invalidity to their claim. I have asked them to clarify their reason for NPV and they have failed to respond. I also filed an appeal on this matter ~ see attached. Per my conversation with XXXX in the appeals department ( ID # XXXX ), B of A is refusing to acknowledge the appeal and address it. Bank of America is in violation of the National Mortgage Settlement due to the lack of transparency during the HAMP underwriting process. It is clear that they are motivated to foreclose due to the $ XXXX equity in my property. Per HAMP guidelines, I should definitely qualify under HAMP Tier 2. I do not want to lose my home and I am seeking your assistance on this matter.
Product: Credit reporting or other personal consumer reports

I have submitted FTC reports and have also submitted proof where the lenders have violated FCRA section code 15USC-1681 ( a ) ( 6 ) ( B ) ( iii ) Willful Noncompliance. The lenders are committing fraud by reporting a fraudulent Account and by going after me for the debt and they have written the debts as a charge-off and have received a tax break for the debts! They are committing fraud with the IRS!
Product: Credit reporting or other personal consumer reports

Your continued reporting of accounts linked to identity theft violates federal law. I never authorized these accounts and previously disputed them with supporting identity theft documentation. Enclosed are copies of my XXXX XXXX XXXX XXXX XXXX XXXX XXXX for additional verification.
Product: Checking or savings account

On XX/XX/XXXX, two unauthorized out-of-state withdrawals were made against our checking account in the amounts of {$2400.00} and {$4200.00}. We noticed that the withdrawals had been made and contacted the bank ( Bank of America ) on XX/XX/XXXX. The bank gave us a {$2400.00} credit while the fraud is being investigated. We were initially told that the investigation would take 10 to 15 days. Further phone conversations pushed this window to 15 to 20 business days, then to 20 to 30 business days, and then to 30 to 60 business days. We are approaching the 60th business day and still have not been contacted by the bank and still do not have credit for the {$4200.00} transaction.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed a hard pull on my credit report showing on XXXX " only '' that was done on XX/XX/2021. It shows JPMCB-Card Service. This was not me applying for new credit. Ironically, I already have a card with JP morgan chase and have more than enough available credit on that card. I spoke to JP Morgan card services ( both the fraud department and new credit applications department ) and was told someone applied for new credit on XX/XX/2021 and it was determined to be fraudulent. New credit was denied. They also said they have sent notifications to the credit bureaus stating this was fraudulent and it should have been removed. As it doesn't show on other credit bureau reports, this would appear to be the case ( currently staring at the XXXX report ). I now have fraud alerts with all credit bureaus in case this happens again. I have spoken to XXXX and was told they have not received information from JP Morgan card services. I also disputed this hard pull with XXXX which did not solve the problem. XXXX continues to state they haven't received the fraud info from JP morgan and JP morgan says they sent out the info. Somebody is not telling the truth here and I just want this resolved and removed from my credit report. One hard pull would normally not be a huge deal. However, I'm currently trying to refinance my home. A new application for credit when you are trying to refinance a house is a big red flag to mortgage companies. I need this fixed ASAP.
Product: Credit reporting or other personal consumer reports

I have been getting denied business credit and found out that my business can't be verified due to the fact that old information from old checking accounts with XXXX XXXX XXXX XXXX. I have called them multiple times and gave them updated info only to be told that the information never updated after I was told that it was and then they said supposedly the only way to update my old information to current information is to pay the old balances I owe, which frankly I don't understand. Does the system open up after I pay old outdated balances that magically allows them to update info?? The information reporting to LexisNexis is stemming from this company. My address and phone number is all I need to update.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the outcome of your investigation regarding the fraudulent account ( s ) or transaction ( s ) reported under my name. Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681, I have the right to dispute inaccurate or fraudulent information on my credit report and to have it thoroughly investigated.

Despite my previous submission of a consumer fraud affidavit and supporting documentation, the investigation has not resolved the issue of identity theft related to my account ( s ). As a victim of identity theft, I have been subjected to unfair financial harm, and the reported information remains inaccurate.

I am requesting a reinvestigation of the matter, as I believe that the response provided did not fully address or resolve the fraudulent activity. Additionally, I expect that this disputed item be marked as in dispute on my credit report, per FCRA regulations, while the investigation is reopened.

Please be advised that under the FCRA, you are required to complete this reinvestigation within 30 days and provide me with a written notice of your findings. If the fraudulent activity is not removed or corrected within that time frame, I will consider further legal action, as permitted by the Fair Credit Billing Act ( FCBA ) and other applicable consumer protection laws.

Thank you for your prompt attention to this matter. I look forward to a timely resolution and the removal of this fraudulent information from my credit report.
Product: Credit reporting or other personal consumer reports

I've attached the required documentation to validate my stance. I appreciate your swift action to address and correct this issue by ensuring the removal of the account from my credit report. Your prompt attention to this concern is greatly valued.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a credit card opened at XXXX XXXX on XX/XX/XXXX under the XXXX account number, a credit card opened at XXXX XXXX XXXX on XX/XX/XXXX under the XXXX account number. These accounts have resulted in several fraudulent chargeoffs, fraudulent late payments, and fraudulent collections appearing on my consumer FICO credit report. I do not recognize the aforementioned accounts, collections, late payments, or chargeoffs as reported. The aforementioned accounts, collections, and chargeoffs appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, late payments, and charge-offs are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I demand that the aforementioned fraudulent items be removed from my consumer credit report and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.
Product: Credit reporting or other personal consumer reports

I am writing this to you so you may help me stop the items from showing up on my credit reports. Other XXXX XXXX dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX XXXX XXXX  Balance {$2200.00} Open Date XX/XX/XXXX XXXX XXXX XXXX Balance {$3900.00} Open Date XX/XX/XXXX XXXX XXXX XXXX Balance {$2400.00} Open Date XX/XX/XXXX XXXX XXXX Balance {$690.00} Open Date XX/XX/XXXX XXXX XXXX Balance {$340.00} Open Date XX/XX/XXXX XXXX XXXX Balance {$290.00} Open Date XX/XX/XXXX XXXX XXXX Balance {$100.00} Open Date XX/XX/XXXX inquiries XXXX Date XX/XX/XXXX XXXX Date XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX 2023
Product: Credit reporting, credit repair services, or other personal consumer reports

I have dealt with Ad Astra Recovery Services for about a 4 year period between XXXX & XXXX in regards to an account that is reporting to my credit reports false and inaccurately. During this period they have failed to provide ANY proof viable evidence, bearing my signature and showing that the account was being reported accurately or established by me. They also failed to provide a timely response in which I kept careful record of via certified mail & their response date attached to their continuous automated response that I've received over 10 times. I've also asked of Ad Astra Recovery Services to render me an description of their procedures used to determine the accuracy and completeness of the information provided. They have not done so any of the times requested. I've made several goodwill attempts against this company to resolve an issue that has been defaming my name for over 3 years. Their non compliance with federal laws under the Fair Credit Debt Collection Practices Act & the Fair Credit Reporting Act and all corresponding local state laws will only make them liable for their willful non-compliance. And I plan to seek extensive damages to be recovered from this negligence of inaccurate and error reporting done under my name & social security number.
Product: Other financial service

I purchased a money order pay to the order of District Court of XXXX on XXXX/XXXX/2016. Capitol One Bank stamped money order pay to the order of Capitol One in XXXX XXXX. XXXX XXXX XXXX stamped for deposit only into another Capitol One Bank in XXXX XXXX
Product: Credit reporting or other personal consumer reports

Someone used my information to purchase an item through affirm. I called affirm personally and told them the account was fraudulent and did not authorize any purchases. The representative told me that she was removing my information from the fraudulent account and was going to take care of the charges. They did neither. I did not make these purchases and i should not be held accountable.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit card or prepaid card

I received a text from a machine asking if I made a purchase on my Chase Freedom card. I said yes. My card was cancelled against my will anyway and the charge declined. No one was able to actually read or find the text or know why it was cancelled. A human being should have called me. I tried calling Chase as soon as I got the message which woke me up in the middle of the night. Their office was closed.I have spent 3 hours trying to straighten this out. I do not want a new card number. Or I want compensation for this aggravation and now cancellation of my vacation booking. 

How do credit card companies get to behave like this without some kind of a Fine?
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX account XXXX XXXX XXXX has violated my rights 15 U.S.C 1681 section 602A. States have the rights to privacy 15 U.S.C 1681 Section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Vehicle loan or lease

Vehicle was very over priced paying and was disclosed of the proper information at signing of loan.Taking advantage of minorities with low income who dont know any better.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following company : XXXX XX/XX/year> I did not authorize anyone employed by these company to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX