23daVinci/CFPB_Complaints huggingface dataset:
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. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  AND XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX. XXXX XXXX Account Number : XXXX and 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: Credit reporting, credit repair services, or other personal consumer reports

I was checking my credit report and i found out that there are many information which doesn't belong to me. I checked all details from credit report, and i saw, that you have wrong Date of birth XXXX, CORRECT DOB is XX/XX/1988. 
So i believe, that someone used my personal information to apply for these accounts, please, make sure You will inform all 3 bureaus about this mistake.

Because these accounts my credit score is very low, i'm not able to apply for any credit cards or loan, and You know, the situation with Covid-19 is very difficult and now is very hard to survive.
Product: Credit card

My Social Security Number has been compromised, and someone fraudulently applied for a credit card with Capital One using my identity. The account numbers are : Capital One credit card opened XX/XX/XXXX Capital One credit card opened XX/XX/XXXX Capital One credit card opened XX/XX/XXXX Capital One credit card opened XX/XX/XXXX However, the provided date of birth is incorrect ; my actual date of birth is XXXX. Additionally, I wasn't present in the USA at the time of the application, as I lived in XXXX until XX/XX/XXXX. I have my XXXX papers ( XXXX Form ) that states the date I arrived to the USA. ( find it attached ) I didnt have following addresses mentioned in the XXXX Credit Report ( under the reference number XXXX ) and XXXX Credit Report ( File Number : XXXX ) : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX I never had any of these phone numbers : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX After conducting an investigation, Capital One claimed it wasn't fraudulent and held me accountable for the {$8300.00} amount. They closed this case with reference number XXXX. Despite submitting evidence such as a copy of my driver 's license, proof of residency, and a copy of my SSN, I believe Capital One disregarded these documents. PLEASE, NOTE! I WAS BORN ON XX/XX/XXXX ( PLEASE SEE MY XXXX DRIVER 'S LICENSE ATTACHED ) AND THE SCAMMER WHO USED MY NAME AND SSN HAS XXXX, XXXX XXXX ON THE FILE
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I have submitted my FTC report along with my statement, identification, and the fraudulent account that was being reported to my account from Experian. On XX/XX/2022 I spoke to XXXX XXXX in the Fraud Special Team Department and stated to him pursuant to 15 U. S. Code 1681c-2 - Block of information resulting from identity theft ( a ) Block - a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, no later than 4 business days after the date the date of receipt by such agency of - ( 1 ) appropriate proof of the identity of the consumer : ( 2 ) a copy of an identity theft report : ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. When I explained that to him he was yelling at me over talking me and would not let me get a word in. He also kept putting the phone on hold every time I spoke and eventually hung the phone up in my face. He stated that they will not block the Fraudulent Account, which makes him and Experian in direct violation of 15 U.S. Code 1681c-2. I am really upset and that is very inappropriate to treat a consumer. I have attached documents from my previous CFPB complaint along with this one, as well as my ID, My Statement, and my Identity Theft Report once again. XXXX  XXXX XXXX has removed this fraudulent account. This is a violation and I am seeking monetary relief for the stress, disrespect, and violations. The following Fraudulent Account : XXXX XXXX XXXX  ( Account Number : XXXX ) needs to be removed from my report immediately.
Product: Credit reporting or other personal consumer reports

In correct information is on my credit reports under acts law ... ... list of companies is on my 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE REQUESTED DOCUMENTS THAT THE BUREAUS HAVE IN THEIR FILES CONTAINING MY WET INK SIGNATURE TO VALIDATE THE ACCOUNTS LISTED BELOW, I AM SUPPLYING THE IDENTITY THEFT AFFIDAVIT AND THE POLICE REPORT THAT SHOWS THAT THESE ACCOUNTS ARE FRAUDULENT, I DEMAND THE BUREAUS ABIDE BY THE FCRA LAWS PUT IN PLACE TO PROTECT THE CONSUMER, PER SECTION 605B ALL FRAUDULENT ACCOUNTS SHOULD BE REMOVED AND DELETED WITHIN 4 BUSINESS DAYS, NEITHER HAS BEEN DONE, THEY JUST LEFT A STATEMENT ON MY REPORTS. IF THESE ACCOUNTS WERE OPENED IN 2015 AND ARE GOVERNMENT STUDENT LOANS, HOW ARE THEY JUST NOW BEING ADDED TO MY REPORTS, I HAVE NEVER LIVED ANYWHERE CLOSE TO XXXX, GA!!! I HAVE NEVER LEASED AN APARTMENT IN XXXX. 

XXXX  U S DEPT OF ED/XXXX # XXXX {$16000.00} U S DEPT OF ED/XXXX # XXXX {$3300.00} U S DEPT OF ED/XXXX # XXXX {$5100.00} EQUIFAX XXXX XXXX XXXX  # XXXX {$2000.00}
Product: Checking or savings account

This complaint is on behalf of XXXX against JPMorgan Chase, who has repeatedly refused to detect, prevent and recover fraud. My letter to them is below ( XXXX, XXXX is XXXX of several entities which held accounts at Chase, has filed fraud claims and Chase blatantly lies to regulatory agencies ( and to me ) about having such claims, despite the fact that CHASE ASSIGNED THE CASE NUMBERS and I have countless emails to prove this. This is one of many blatantly false and deceptive actions Chase has taken to abuse its customers and should not be tolerated. Please find the letter attached ( I am also providing an additional attachment, showing the claim number in a Chase email to me, as well as a letter where they falsely ( lied ) claim to have no cases for this entity. * Please note that Chase 's letter indicates cooperation with my other banks- yet XXXX such banks have contacted Chase regarding fraudulent wires received by them ( which they harbored for months in money laundering accounts of a convicted criminal ) and yet, Chase never had the decency to even reply to these institutions. They are corrupt and must be handled as such. 

As you can easily see from the XXXX attachments, the basis of their latest excuse is easily proven false. Not only have I informed them of this after their first lie, they once again cc XXXX CFPB by lying yet again. 

They have no credibility and need to be held accountable, in the same way Bank XXXX XXXX was held accountable by the XXXX 's XXXX and XXXX of XX/XX/year>. These banks must not continue to abuse customers, causing tenfold damages beyond what customers lost in the first place. 

They are grossly negligent, abusive and wholly amoral.
Product: Checking or savings account

Wells Fargo informed me that an account was opened in my name for a six month period, and they provided me with a check for {$210.00}. I rejected that payment and made a request for {$20000.00}. The matter was set for mediation. On XX/XX/year>, a mediation session was held with the XXXX. XXXX XXXX XXXX and a representative from Wells Fargo. My initial demand was {$20000.00} and Wells Fargo countered at {$2500.00}. I countered with {$18000.00}, and Wells Fargo made a best and final order of {$3700.00}. The mediator asked if I wanted to counter, but I reminded her that this was a final offer, so I was going to just reject that offer. The mediator informed me at the point when an agreement can not be reached, the company may asked for a proposal She explained that the proposal is a bridge between the parties. She explained that Wells Fargo is not going to give me XXXX XXXX XXXX  but the proposal is more than their final offer. Sure enough, after conferencing with the Wells Fargo agent, the agent requested a proposal. On Monday, XX/XX/XXXX, I received the Mediation Proposal from Wells Fargo. The proposal was for Wells Fargo to pay me and additional {$3700.00}. I contacted Wells Fargo to get the exact dollar amount before moving forward. I spoke with two different agents because they also had difficulties in understanding the document. Ultimately, I was told that the proposal was only {$3700.00}, and I was told that the word additional was confusing because Wells Fargo is not agreeing to anything above the {$3700.00}. I believe that Wells Fargo is again being deceptive. During the mediation, the Wells Fargo agent asked for the proposal and stated that Wells Fargo would have fulfill the requirements of mediation with the proposal. Wells Fargo sent me the proposal that they have already accepted, but it merely was their final offer. If the mediator is saying for them to pay me an additional {$3700.00}, why is it not in addition to their final offer. Wells Fargo is paying the mediator, and although the mediator stressed that my rights are protected, the mediation was not done in good faith. I was prohibited from recording the mediation, but I want the mediator 's description of the proposal to be honored. The proposal should not be Wells Fargo rejected offer disguised as a good faith effort. Wells Fargo can reject paying the additional {$3700.00} above their final offer, but they should not accept the proposal ; then say that they have no plan to pay above {$3700.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. My request for the correction and removable of the erroneous information about my accounts has been diligently neglected by XXXX and XXXX. Despite sending them the letter, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my accounts is still on my reports. Therefore, XXXX and XXXX have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the accounts that are still reporting on my account : BRCLYSBANKDE XXXX Balance : {$0.00} ; BRCLYSBANKDE XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and there are inquiries on my account that I did not authorize. Also, when I purchased an automobile, the dealership ran credit with multi lenders that I did not give permission for nor have I authorized nor attempted to obtain credit from multiple banks, credit card companies, attorneys, cash applications, etc. 
Please note the following inquiries were not authorized by me : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

1681s2. Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or consciously avoids knowing 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 bank is Commenity Bank knowingly and intentionally withholds the words medical debt from the credit reporting agency making it impossible to have a fair, accurate and complete dispute They had been advised what they already know that the alleged debt that they are reporting to XXXX and XXXX is indeed medical debt. They misrepresented to XXXX and XXXX that the alleged debt is NOT medical debt. 
Their actions are unfair and malicious and serve no good purpose because Comenity bank is no longer the owner of the alleged debt. They are indeed still reporting the incomplete information. This does great harm to me. I was diagnosed with XXXX and also have a XXXX, but I constantly have to fight the cruel and malicious behavior of community bank who continues to report to XXXX and XXXX despite their receiving compensation for the medical debt by another provider As mentioned in a previous report, they also have lied and been deceptive with the CFPB claiming that they are not at fault for the very reporting that they are doing and deceitfully blames the current owner of the alleged debt.

This constant and needless stress on me has done significant damage
Product: Mortgage

I refinanced a mortgage on an investment property that I own in XX/XX/2021. XXXX lender originated the loan, then sold the loan to a mortgage servicer/lender by the name of Mr Cooper. 

My XXXX mortgage interest was built into the closing costs, the next month does not have a mortgage payment due, and so my first payment was due onXXXX the originating lender, unless the loan was transferred before then to Mr Cooper. The loan was in fact sold to Mr Cooper in XXXX with an effective transfer date oXXXX, so I would be making my first payment to them. 

XXXXwas a busy time for me. My family moved, our new home was being renovated, and I dealt with a family crisis during that time. I understood that there is a 60-day grace period starting from the loan transfer effective date, so I made myXXXXpayment as well as my XXXX payment to Mr Cooper on XX/XX/XXXX knowing that I needed to make the payments within that first 60 days. Assuming all was well, I made my XXXX payment and XXXX payments. 

A few days ago I learned that Mr Cooper forced the original lender to buy back the loan as a scratch and dent mortgage on XX/XX/XXXX because I did not make myXXXXpayment on time. I am not privy to all the discussion between the originating lender and Mr Cooper, but my originating lender is stating that the loan was being forced back to them because Mr Cooper stated the payment in XXXX was late. 

I reached out yesterday to the customer service side of Mr Cooper to ask them about the situation. Eventually I was escalated to an Executive Resolutions Specialist who claims that the loan can not have been forced back to the originating lender due to a late first month 's payment because the payment was made within the 60-day grace period window. However, internally, Mr Cooper is telling the originating lender that my XXXX payment was late, therefore the loan is now a scratch and dent loan ( and I am being forced to refinance as a result ).
Product: Credit reporting or other personal consumer reports

Per the FCR as a federally protected consumer I am no opting out of any and all authorization I the consumer may have given you written, unwritten, verbal or non-verbal per 15 USC 6802.

I'm exercising my rights to Opt Out from consumer reporting. I've attempted to and was denied my federally protected rights per the Privacy Act of XXXX

See attachment for further details on the creditor and account details. 

Thank you
Product: Credit card or prepaid card

To whom it may concern, I'm just mailing you to let you know, respectfully, that you are incorrectly reporting some information on my credit report. I'm pretty frustrating to be honest, but I know that mistakes happen. I trust you'll fix the situation.

Here 's the wrong info : 1. This is a billing error always paid as agreed on time this is an error this account in violation. 
NAVY FCU Account Number : XXXX Please remove it from my credit report. 

I keep immaculate records of payment history acrossed all my bills and accounts, and there should be no late payments showing here. 

Inaccurate late payments like this are preventing me from obtaining credit that I'm trying to apply for because it's lowering my credit score big time. I've already been in talks with some experts who have informed me that there are laws to ensure that inaccurate credit information can't be reported. 

I take this very seriously and I would appreciate it if you remove the late payment marks off this account as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Experian Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX  XXXX {$0.00} XXXX XXXX XXXX {$2900.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX {$19.00} XXXX XXXX XXXX {$220.00} XXXX XXXX XXXX {$160.00} XXXX XXXX XXXX {$50.00} XXXX XXXX XXXX {$110.00} XXXX XXXX XXXX {$80.00}
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open consumer credit as late for any purpose.
Product: Payday loan, title loan, personal loan, or advance loan

Koalafi lent me XXXX through XXXX to repair my car in XX/XX/XXXX and on XX/XX/XXXX I had already paid XXXX covering the credit in its entirety and with a higher value, I contacted them by phone to settle my credit and they told me that I must continue paying until XX/XX/XXXX, in this way they would be charging me an interest of approximately 110 %, It seems unfair and exaggerated and if I don't continue paying they will ruin my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Infiniti marked me late XXXX of 2022 when I had filed for an extension. It was confirmed that there was an extension in place which I will attach and I sent to the bureaus. the late payment still remains on the credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

EOS CCA has illegally re-aged a collection debt and did not notify me of this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  Account # 's XXXX, XXXX, 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, has violated my rights.

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
Product: Debt collection

0n XX/XX/2017 I was informed by XXXX XXXX XXXX a check cashing and pay day loan originator that a check they cashed on my behalf was returned for Non-Sufficient Funds. I repaid them all money received and their {$25.00} NSF fee on XX/XX/2017. However, XXXX XXXX XXXX is refusing to provide me with the original check so that I may then be able to present check for payment when funds become available. XXXX XXXX XXXX is located at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA XXXX, their phone number is XXXX. The teller/manager of XXXX XXXX XXXX  provided with the name and phone number of their parent company, Community Choice Financial, XXXX, their I spoke with Team Lead of the Customer Service Department XXXX who also stated, " they are unable to provide me with the original check on account of the fact that they cashed the check. ''