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

Dear XXXX XXXX XXXX : You have not followed the permissible purpose provisions of the federal FCRA. A credit inquiry for you, XXXX XXXX XXXX was placed within my credit file on XX/XX/2021. The Act specifies that you must document your reasons for requesting my report and, when in error, remove them as well. I am depending upon XXXX XXXX XXXX to follow the statute : Either provide documentation that the law was followed by researching the matter at once, or remove this offending inquiry as soon as possible. 

Yours truly, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Dear transunion XXXX XXXX XXXX XXXX Attn : XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Pictures of proof included XXXXXXXX XXXX XXXX XXXX  XXXX XXXX : XXXX XXXX HISTORY CHANGE FROM XX/XX/XXXX & XX/XX/XXXX was change too XX/XX/XXXX & XX/XX/XXXX. 

PAYMENT HISTORY ON XX/XX/XXXX : SAYS I MADE A PAYMENT BUT THERE NOT A OK IN PAYMENT HISTORY & WHAT ABOUT XX/XX/XXXX & XX/XX/XXXX PAY STATUS : HAS NOT PUT 120 DAYS IN THIS SECTION REMARKS : NOT SHOWING NOTICE OF DISPUTE. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX IS REPORTING MAXIMUM DELINQUENCY : XX/XX/XXXX out of date & 90 DAYS NO LATES IN PAYMENT HISTORY. 

LAST PAYMENT CHANGED : FROM XX/XX/XXXX TO XX/XX/XXXX THATS A VIOLATION LATE PAYMENTS IN PAYMENT HISTORY : THERE NOT ANY LATE PAYMENTS BUT THE ACCOUNT STATUS SAYS I HAVE 90 DAYS LATE. 

Remarks : THERES NO NOTICE OF DISPUTE PAYMENT HISTORY : THERE NO LATES & PAYMENT HISTORY HAS BEEN XX/XX/XXXX IN IS NOT REPORTING ON XX/XX/XXXX & THERES NOT ANY LATES IN PAYMENT HISTORY XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX from these dates. 

Want both ACCOUNTS removed If a consumer notifies a furnisher that the consumer disputes the completeness or accuracy of any information reported by the furnisher, the furnisher may not subsequently report that information to a CRA without providing notice of the dispute. Section XXXX ( a ) ( XXXX ). 

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies 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 has reasonable cause to believe that the information is inaccurate. 

FILE NUMBERS FROM PAST DISPUTES : XXXX XXXX
Product: Credit card or prepaid card

After making a payment exceeding 50 % of balance owed they closed my account
Product: Checking or savings account

A transaction of {$850.00} was done on XX/XX/24. 

The purchase was a customize handbag from XXXX. A company I have never had any prior transactions with. An XXXX child had stolen my phone without my knowledge and innocently pushed through the transaction. I was notified by my bank and immediately contacted both the merchant and the bank. I notified the merchant this was not an authorized transaction and to please cancel. I contacted the bank and reported it as fraud and an unauthorized transaction. 

The merchant ( XXXX  ) did not reply until XX/XX/24 XXXX days later that they could not cancel the transaction. And on their return policy stated they would not accept returns for a customized items. 

I contact my bank ( Chase ) with concerns that if I was unable to return the product would the merchant challenge the unauthorized item. Chase assured me it would not be relevant and to not contact the merchant as they would deal with the claim themselves. Chase then proceed to cancel my debit card twice over the span of XXXX months as they investigated. I constantly called Chase to get updated on the claim process and was told to wait. Until I received a notice on XX/XX/24 that my claim was denied and I would be charged for this unauthorized fraudulent transaction. 

It took over 60 days to get this response from Chase with no explanation. I am very frustrated with the level of service and how it can be legal to authorize a fraudulent transaction made by a XXXX child who has no relation to me. Please help me resolve this.
Product: Credit card

someone opened up a credit card through capital one in my name, i have never owned a capital one account. they changed the email and phone number on the account so i could not access the account, they maxed out the credit limit
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX FLORIDA XXXX XXXX XXXX XXXX XXXX XXXX - ; XXXX XXXX XXXX XXXX XXXXXXXX Balance {$1500.00} ; XXXX XXXX XXXX XXXXXXXX Balance {$630.00} XXXX XXXX XXXX XXXX Balance {$690.00} ; XXXX XXXX XXXX Balance {$3600.00} XXXX XXXX XXXXXXXX Balance {$4500.00} XXXX XXXX XXXX  ; XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance {$2200.00} ; XXXX XXXXXXXX XXXX XXXX Balance {$1100.00} ; XXXX XXXXXXXX XXXX XXXXXXXX XXXX : XXXX XXXX XXXX 2021 XXXX XXXX XXXX Inquiry : XXXX XXXX, 2021 ; XXXX XXXXXXXX Inquiry : XXXX XXXX, 2021 ; XXXX XXXXXXXX XXXX ; XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXXXXXX XXXX CA XXXX ; XXXX XXXX XXXX ( Original Creditor Name : XXXXXXXX XXXX ) XXXX Balance {$950.00} XXXX XXXX XXXX : XXXX XXXX, 2021 XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, 2021 ; XXXX XXXX XXXX XXXX : XXXX XXXX, 2021 XXXX XXXX  XXXX XXXX Inquiry : XXXX XXXX, 2021.
Product: Credit reporting or other personal consumer reports

I'm submitting a complaint to you today to inform you that I was a victim of identity theft. I search on how to remove the fraudulent accounts in my report and found that I need to visit FEDEDAL TRADR COMMISSION or https : //ww.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to removed /block any accounts listed o. ID theft report. Please find the attached documents to assist in the blocking of the erroneous information which is being posted yo my report. 

Here is the list of accounts/items which do not belong to me or were opened without my permission. 

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. 
XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXXXXXX, XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX Inquiries : XXXX XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX XXXX XXXX Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX and XXXX XXXX XXXX  Inquiry Date XX/XX/XXXX.
Product: Checking or savings account

Overdraft fees and charges i didn't make because my identity was stolen
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is paid and needs to be removed
Product: Credit reporting or other personal consumer reports

In accordance to the fair credit reporting act this creditor has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purppose.
Product: Checking or savings account

navy federal froze my account and would not give me any detail. I have requested information and informed them that i am a victim of identity fraud and they have since denied my claim. they froze my account because someone tried to call in and get access to my access twice. the first time they were successful and the second time the were unsuccessful. I have since filed police reports, filed a claim with the FTC and IRS and Navy Federal has been rude and unhelpful with this CONSTANT security issue.
Product: Debt collection

I am a federally protected consumer. This is a formal Notice of Default that Midland Credit Management has violated my rights under the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. I have attached Invoice # XXXX that itemizes these violations in detail. 

Midland Credit Management as not complied with the cease and desist notice they received XX/XX/2022 via my first complaint with the CFPB. 

15 USC 1692c ( b ) states without prior consent of the CONSUMER given directly to the debt collector, a debt collector may not COMMUNICATE, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law.

15 USC 1692c ( c ) states if a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further COMMUNICATION with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt. 

Midland violated both 15 USC 1692c ( b ) and 15 USC 1692c ( c ) on XX/XX/2022 by continuing to communicate with me after they received my Cease & Desist Notice on XX/XX/2022. The communication was made by updating the status of the collection account on my XXXX, XXXX, and XXXX consumer reports without my prior consent. 15 USC 1692a ( 2 ) states the term communication means the conveying of information regarding a debt directly or indirectly to any person through ANY MEDIUM. Communicating to 3rd parties is prohibited, in this case, consumer reporting agencies, because the Cease & Desist Notice is effective and the communication is not permitted by law.

Midland has stated in their response to my first CFPB complaint that they will continue to furnish information to the consumer reporting agencies even though the account is marked as CEASE & DESIST, this is a direct violation 15 USC 1692c.
Product: Credit reporting or other personal consumer reports

I've contacted Equifax several times about them removing accounts without my permission or consent. Several accounts were disputed without my permission and Consumer Affair was notified no one as well did anything the online portal doesn't allow me to make proper dispute some accounts, I'm not allowed to dispute I've called and informed them of the problem and with no resolution. Equifax has removed accounts without my permission without me consenting when I contacted them and made them aware of the situation, they told me that they would fix it. I since checked and nothing been done about the situation. My credit file has not been properly updated I have purchased tradeline for my credit file to help repair my credit as well became an authorized user on XXXX Credit Card and XXXX Credit card these accounts have never been reported at all since that unauthorized dispute that I never l gave permission for Equifax to open. I have contacted Equifax several time about this situation a bunch of broken promises. Since that unauthorized dispute done without permission nothing been reporting correctly and contacted them several time, I'm on the phone with customer service over hour sometimes 2 not to come up with ANY SOLUTION
Product: Credit card

I applied for a credit card with Bank of America on XX/XX/XXXX over the phone. I was told that I had been approved with a {$9000.00} credit limit and that a card would be expedited to me in XXXX days. When no card arrived, I attempted to call several phone numbers for Bank of America, none of which could verify my identity through the automated prompt and would not transfer me to a customer service representative. I finally reached out to the new applications department and was referred to a website where I was told the status of my application could be checked. On entering my application confirmation number, it only said that my account was under review and did not give any specific reasons why. I have also received no emails, phone calls or USPS mail concerning my application. I was relying on this card to make a payment to my divorce attorney, and now several days have been wasted that I, and could have used to find an alternative.
Product: Credit card

On XX/XX/year> I disputed a fraudulent charge on my credit card and provided the all the information I had ie two screenshots of declined apple pay transactions after which i tried to use the XXXX XXXX physical credit card which, also was declined. 
I did not make any purchase and left. 
Now they're telling me my claim was denied because they didn't ' receive any more information. 
There is no other information!
Product: Credit reporting or other personal consumer reports

XXXX XXXX Account Number- XXXX XXXX  To Whom It May Concern, I dispute your claim and I am requesting validation from you pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ).

Provide breakdown of fees including how you calculated what you claim I owe.

Provide a copy of my signature on a contract or document that holds me responsible for this alleged debt. 
Cease any credit bureau reporting until debt has been validated by me as required under the FCRA. 
Send me proof that you are licensed to collect debt in the my state. 

validation request, which I am allowed under the FDCPA. 
I will await your reply with above requested proof. Upon receiving it, I will correspond back with you.
Product: Credit reporting or other personal consumer reports

I reviewed my credit report with transunion and found numerous inaccuracies, namely three collection accounts for which I had disputed. In disputing those three reportings by company I requested the following information per the Fair Credit Reporting Act, Section 611- Proof of origination of accounts, correct address, phone, birthday and SSN. I asked that Trans Union provide this information to me in writing. They did not, in fact they quickly responded that they deem the accounts accurate within 18hra of my filing the disputes. Transunion does not work on behalf of the consumer nor do they respect direct requests to prove the ownership of those accounts they are reporting which seriously damages consumers financially. I will provide the letter sent to transunion which went ignored and I would like to have their practices investigated for all consumers dealing with their unfair reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, and I hope all is well. XX/XX/2020 letters were sent to addressed issues : While reviewing the credit profile to XXXX, the number of uncertain tradelines continues to be placed when the debt is due to repeated visits to practices within the healthcare system. Financial assistance was not offered during times of service. While receiving treatments for compromised issues, protocols are in place to ensure the debt will not accumulate. XXXX XXXX XXXX hired a third-party National Recovery Agency to report multiple items on the credit profile. The continued actions have violated the Federal Credit Reporting Act. This is a violation of the law with continued failed practices, which decreases my credit score and creditworthiness.
Product: Mortgage

I am hoping to get some guidance on this matter. I have owned my property since XXXX XXXX. In XXXX, I got married and in XXXX XXXX, my husband purchased a property without me. I contacted Wells Fargo on a loan modification and was approved. I started making the payments during the trial period as they requested and completed the trial period. But now they are asking to change the terms of the agreement because they want to make my husband a part of the loan modification on the Home Equity Loan. Wells Fargo is not the primary loan holder on my mortgage, XXXX XXXX XXXX is and I have had no issues with them. I am still making payments on my primary account with XXXX XXXX XXXX and the account with Wells Fargo is a Home Equity. They would not provide me any Florida Statue that states that my husband has to now be on the Home Equity. I just want to make sure that they are not trying to take advantage of my vulnerable state in needing assistance with reducing my mortgage. They also want to give me a rate that fluctuates and I am not sure if that is legal. Please assist if possible. Thank you in advance. I have attached documents such as my marriage license which shows what year I got married. I also attached a copy from the XXXX County Property Appraisers Office that shows when I purchased the property and that my name is the only name on the property. My bank statements reflect the amount that I have been paying since the loan up until the trial period when I agreed with Wells Fargo to pay the reduced loan modification amount and the terms of the agreement would be satisfied and my loan reduction would remain as long as I made the payments in the trial period. I have never been late with payments during the trial period and the reason that I needed the loan modification is because I no longer have the income I once had when the loan was originally given. Again, thank you in advance for any assistance you can provide. I just do n't want the bank taking advantage of me or my husband.
Product: Debt collection

I KNOW NOTHING OF THIS COMPANY NEVER HAD A CONTRACT/ OR VERBAL AGREEMENT WITH THESE PEOPLE REMOVE FROM MY CREDIT ASAP IM HOMELESS AND WHO GAVE THEM THE RIGHT TO SEND MAIL TO MY FAMILY HOUSE I SURE DID NOT STOP CONTACTING ME I DONT OWE THESE FOLKS
Product: Student loan

I am unemployed and have issues making my student loan payments and I was never even offered an income driven repayment option. They always told me forbearance was the best thing and that 's what they 're me up on. Now my increase of my student loans are through the roof. I have a husband,XXXX children, XXXX step children. I do not have the funds to pay them unnecessary fees especially when I was n't even offered a better option. They have used forbearance for me so many times. I do. It work right now it is hard. I do n't want to keep getting forbearance and accruing interest just because I can not pay right now.Please help
Product: Credit reporting or other personal consumer reports

Do not recognize inquires on my credit report called all three bureaus no help XXXX inquiry date XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I explained thoroughly to the company that they are still showing late payments on a car they already have which is factually inaccurate. the company global lending is also showing that this is an installment loan on my account which is also false. the vehicle is no longer in my possession so i have the right to an accurate profile. gap has paid this financial company so the balance is also incorrect. everything about the report is not accurate. i have the right to an accurate credit profile and this company is making it hard for me to obtain new credit. This company is NOT Authorized to report anything i haven't giving written and expressed consent and must remove this account as such.
Product: Credit reporting or other personal consumer reports

Despite previous disputes and your failure to correct the inaccurate information on my credit report, this is a formal notice of intent to sue for continued violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 

Your companys repeated negligence has caused me significant financial and personal harm. If these inaccuracies are not resolved immediately, I will have no choice but to pursue legal action under the following statutes : FCRA 15 U.S. CXXXXe XXXXn Civil Liability for Willful Noncompliance FCRA 15 U.SXXXX CXXXXe XXXXo Civil Liability for Negligent Noncompliance FDCPA 15 U.S. CXXXXe XXXX Civil Liability for Debt Collection Practices Violations
Product: Credit reporting, credit repair services, or other personal consumer reports

inquires ftc violations 
capital one 
XX/XX/2020
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a dispute to XXXX XXXX and experian and it came back all information verified I dont see how when Date last activity is different XXXX XXXX have XX/XX/XXXX and experian have XX/XX/XXXX Date Opened : XXXX XXXX XX/XX/XXXX and experian have XXXXAccount Description : XXXX XXXX have joint account and experian have individual accounts.Account Status : XXXX XXXX have open and experian the the account close. Account XXXX is the same difference date the fair credit act states credit reporting be 100 % accurate information every step must be taken to assure the information reported is completely correct therefore these accounts should be deleted
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 XXXX XXXX XXXX Account Name : XXXX XXXX XXXX  # XXXX Account Name : XXXX XXXX # 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 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

Back when I was a college student in XXXX, XXXX XXXX XXXX  reported me for " account abuse '' because of an overdraft. I subsequently paid the {$120.00} I owed and I was told by the branch manager that the account was " paid in full '' and that everything was " taken care of ''. 

Fast forward to XX/XX/XXXX when I tried to open a checking account at another bank, I was denied because XXXX XXXX XXXX was still reporting me for " account abuse ''. I am confused because five years ago in XXXX I paid the bank the {$120.00} I owed and they assured me everything was resolved. So I decided to dispute the Chexsystems entry based on its inaccuracy. 

Then when my mother tried to open a checking account at another bank, she was also denied because apparently XXXX XXXX XXXX switched my information with hers. Recently, we visited a local XXXX XXXX XXXX branch in order to try to get the mix-up rectified, but we were told that there was nothing the bank could do, and they instructed us to call customer service instead. 

This has caused a tremendous amount of confusion and distress for me and my mother. I want the Chexsystems entry deleted from both my records and my mother 's record as well. It is completely unfair that my mother can not open a new bank account because my information has been mixed up with hers.
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraudulent Inquires reporting on my file : 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