23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, 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 XXXX XXXX XXXX. 

XXXX XXXX XXXX : # XXXX, XXXXXXXX XXXX XXXXXXXX : # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX : # XXXX, has violated my rights. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX States I have the right to privacy. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX : It also states a consumer reporting agency can not furnish an account without my written instructions XXXXXXXX XXXX XXXXXXXX. ( XXXX XXXX XXXX XXXX XXXX XXXX States : no consumer reporting agency may make any consumer report containing any of the following items of information or Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX XXXX 

XXXX XXXX. XXXX ( A ) ( XXXX ) 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

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, Account Name : XXXX XXXX XXXX : XXXX XXXX, Account Name : XXXX XXXX : XXXX XXXX, Account Name : XXXX : XXXX XXXX, Account Name : XXXX XXXX XXXX XXXX, Account Name : XXXX XXXX XXXX : XXXX XXXX. 
Account Name : XXXX : XXXX Account Name : XXXX : XXXX Account Name : XXXX : XXXX Account Name : 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 : Also states a consumer reporting agency can not furnish my account without my written permission.

15 U.S.C 1681c. ( A ) ( 5 ) Section : States no consumer reporting agency may make any consumer report contains 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.

5 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 or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within XXXX business days. 
To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXX XXXX XXXX XXXX XXXX XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting or other personal consumer reports

Dear Sir or Madam, I am writing to formally dispute a charge-off listed on my credit report that I believe is inaccurate and does not accurately reflect my current financial standing. Under U.S. Code 1681a, the Fair Credit Reporting Act ( FCRA ) ensures that all information on my credit report is both accurate and complete. I respectfully request that the Consumer Financial Protection Bureau ( CFPB ) investigate this charge-off and, based on the information provided below, take appropriate action to have it removed. 

The charge-off in question is listed under the account for XXXX, XXXX and Transunion. The charge-off is reported as XX/XX/year>, and it negatively impacts my credit score and my ability to access credit at favorable terms. 

Reason for Dispute : I believe this charge-off was incorrectly reported due to The credit reporting agency did not furnish an account and payment history for XX/XX/year> on my credit report. As a result, I am requesting the removal or correction of this entry, as it no longer accurately reflects the state of my financial obligations. 


I kindly ask that you investigate this matter under the guidelines of the Fair Credit Reporting Act. I am confident that upon review, it will be clear that the charge-off was reported in error, and I request that it be corrected or removed from my credit report. 

Thank you for your attention to this matter. I look forward to your timely response and resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed a late payment on my credit report with XXXX XXXX XXXX XXXX stating that payment was late in XX/XX/XXXX. I submitted supporting paperwork from the XXXX County office of XXXX XXXX XXXX Support  Obligation Summary showing that the payment history shows the payment was made at that time and taken out of my paycheck from XXXX XXXX. They refuse to remove the negative strike from my credit report. I have called on XX/XX/XXXX to XXXX XXXX XXXX XXXX and they are of no help pointing me to go back to Experian and dispute the mark
Product: Credit reporting, credit repair services, or other personal consumer reports

I'M DONE ASKING NICELY. I'VE SENT YOU NUMEROUS LETTERS INFORMING THERE IS INACCURATE, ERRONEOUS, and UNVERIFIABLE INFORMATION ON MY CREDIT REPORT. You are required under the FCRA to have copies of the original creditors documentation on file to verify that this information is 100 % true, accurate, and correct. In the results of your numerous investigations and subsequent reinvestigations, you stated in writing that you verified that this item is being reported correctly? I'VE ASKED YOU " WHO VERIFIED THIS ACCOUNT? You have NOT provided me a copy of ANY original documentation, OR COPIES FOR THAT MATTER, as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Sections 616 and 617 provide me with remedy when a credit reporting agency does not comply with the law. You are willful noncomplying with the FCRA. 
Since you CLAIM TO HAVE VERIFIED THIS ACCOUNT BUT HAVE NOT PROVIDED ME WITH ANY INFORMATION. I WILL GIVE YOU ONE LAST CHANCE TO UPDATE '' THE FOLLOWING ACCOUNT. 
Please update the following account, or inaccurate information, from my file immediately & send me the results to the address listedXXXX XXXX  XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with XXXX, one of two that were not consolidated. I have been on a XXXX for several years. in 2019, XXXX closed one account as a charge off. Now each year they re-report the same account as charge off and closed with a new close date. This will never drop off my credit if they keep this up. I have tried to dispute it with the reporting agency, and with XXXX and have gotten no where. This loan is over 16 years old.
Product: Credit reporting, credit repair services, or other personal consumer reports

I involuntarily game my XXXX XXXX back, XXXX XXXX XXXX XXXX XXXX STILL HAS THIS ON MY CREDIT REPORT. I WAS DENIED SEVERAL MORTGAGES HOUSES BY XXXX XXXX. I HAVE BEEN HOMELESS SEVERAL TIMES IN XXXX, NJ. THE XXXX BRANCH MANAGER XXXX AT XXXX XXXX XXXX XXXX XXXX, NJ XXXX. Notified the headquarters at XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX. Its been 0ver 10 years and I went 5 times to speak to the XXXX LOAN officer who even wrote me a letter. 



Why is this debt, I PAID IN FULL STILL ON ALL 3 credit BUREAUS? 

MY ACCOUNT NUMBER : XXXX. My CREDIT STOPPED ME FROM GETTING A HOUSE A ROOF OVER MY SON & I head. Im a single mother.
Product: Debt collection

I am writing to formally dispute the validity of the debt referenced in your communications with me. Under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692c ( c ), I am also requesting that you cease all communication with me regarding this alleged debt. 

According to the FDCPA, once a consumer requests in writing that a debt collector cease communication, the agency is legally required to honor that request, with the exception of notifications regarding specific actions, such as a termination of collection efforts or a notice of legal remedies. 

Please provide verification of this alleged debt within 30 days of receipt of this letter, as required by law. Until such verification is provided, I request that you refrain from any further contact with me. Failure to comply with this request may result in me pursuing action with the Consumer Financial Protection Bureau ( CFPB ) or other appropriate regulatory bodies.

Thank you for your attention to this matter. I expect written confirmation of your compliance with this request within XXXX business days.
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital one has open and closed this account many time for the past year damaging my credit. the information they are reporting is incorrect therefore must be deleted, this account has been open on XX/XX/XXXX, XXXX, of XXXX and XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX after each date is was closed 2 days later dropping my score over a 150 points
Product: Credit reporting or other personal consumer reports

I am writing regarding my credit report, which contains inaccurate and incomplete information that requires your attention. Specifically, I wish to dispute these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 

The reason for my dispute is that your agency has not provided sufficient information to verify the debt in question. XXXX and XXXX, another credit bureau, has already corrected the inaccuracy these accounts from their records due to an identified error. I am perplexed as to how you have verified these accounts while the other bureaus have updated it. Therefore, I request that you correct these accounts from my credit file as it is inaccurate, erroneous, incomplete, or unverifiable.
Product: Credit card

Chase keeps advertising purchases protection, and cancellation trip so you can use your card, which I did then now I started 2 claims with them. i sent them all the info I have on my hands. 
XXXX reference number XXXX XXXX number XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I sent out letters challenging incorrect information on my credit report In accordance with the Fair Credit Reporting Act XXXX XXXX : Account number : XXXX, XXXX. 
XXXX : Account number : XXXX XXXX XXXX Account number : XXXX XXXX XXXX XXXX ASSOCIATES Account number : XXXX XXXX XXXX XXXX ASSOCIATES Account number : 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 XXXX also states a consumer reporting agency can not furnish an account without my written instructions. 

The following accounts are inaccurate and are in clear violation of my privacy. Which is a violation of the law. This is embarrassing and damaging to my reputation as a consumer. As the consumer, I demand the following accounts be DELETED from my consumer credit report immediately. 

The Publishing of such inaccurate and incomplete information has severely damaged my personal and credit representation of myself and has caused severe humiliation, Emotional distress, Mental anguish, and lower FICO Scores The term " identity theft '' means fraud committed using the identifying information of another person. By you reporting my personal information, accounts that are not accurate and are misleading. You are actively committing fraud by having these items on my consumer report because I never gave the credit reporting agency permission to report my information I have yet to see a response on my investigation sent which is another violation & its been way over 60 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed 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 lists of the erroneous accounts reporting on my credit report XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE REVIEWED MY CREDIT REPORT AND FOUND TWO INACCURATE ACCOUNTS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS HAS CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. I HAVE NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO MY CREDIT. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.
Product: Debt collection

You have violated the FDCPA 1006.30a and its new rule by parking this alleged debt on my consumer reports. Cease and Desist the reporting of this alleged Debt immediately or I will escalate this matter to taking legal action. 
I have not given you written permission to put anything on my credit profile 15 USC 1681b2.

You have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability.
Product: Money transfer, virtual currency, or money service

On XXXX XXXX XXXX  at XXXX XXXX I made a transaction when I tried to make another one transaction it would not let me.However, I am new Cash app customer, so I called Cash app services for help, so I thought were help.While I was talking to customer services I notice they were sending my money to people I don't know on my phone. I can literally see them transfering money to accounts. I was asking them what are you doing they said fixing the problem. On the flip side, they were stealing my money.They took XXXX XXXX and XXXX XXXX dollars from my account.Can you please help me to retrieve my money back.
Product: Mortgage

I have a home loan with Chase and for some reason I think they do unfair things with the owner of the house. I asked a questions about a bill I received regarding my property in California and was told they would check it out and get back with me yet they paid the bill and to this date if I had not looked at my account on line I would have not known that they were increasing my mortgage payment. They keep charging me an extra {$15.00} and for what reason I do n't know. I have received money back for them during things that were not fair but it was added to my loan. I have asked for an audit but for some reason they do n't do one, they send you information with a lot of number to where they are the only one who understand they. I have also tried to get my daughter name added to my account and we went through XXXX, because they did n't know what to tell us or what was needed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite the multiple previous written requests, the unverified items listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. TransUnion shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at TransUnion is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly REMOVE OR DELETE all information which can not be verified. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

On XX/XX/XXXX a cashier check of {$2100.00} was sent to XXXX XXXX XXXX  ( dba Mr. Cooper ) to cover my homeowners escrow shortage on my mortgage ( they cashed the check on XX/XX/XXXX ). To date this check has not been posted to my escrow account. Multiple attempts have been made via telephone with Mr. Cooper but each rep provides differing responses. They continue to lie and say the issue is resolved and the money will be posted within 24 hrs and the difference would be refunded as well as a reduction in my monthly mortgage payment. 
# XXXX. I switched insurance providers so the annual policy went from {$2700.00} ( XXXX ) to {$1600.00} ( XXXX ). Difference of {$1100.00}. I was promised this difference. 
# XXXX. My mortgage escrow payment should be applied to my account and my mortgage should remain unchanged XXXX reduced accordingly, however they are now billing me an increase of {$98.00} on my monthly mortgage. ( for periods XX/XX/XXXX XX/XX/XXXX ) I want the payment of {$2100.00} reflected in my insurance escrow. I then want monthly Mortgage payment reduced accordingly as there is no escrow shortage BUT an overage. I finally want any excess escrow overage refunded to me immediately.
Product: Credit card or prepaid card

I have been in XXXX two times as XXXX XXXX ( summer work and travel program ) .My first trip was from XX/XX/XXXX till XX/XX/XXXX.During first trip I opened Bank of America checking account and close it right before I left a country at XX/XX/XXXX.Second trip was from XX/XX/XXXX till XX/XX/XXXX.During second trip I opened a XXXX XXXX checking account and close it right before I left a country at XX/XX/XXXX.From XX/XX/XXXX till XX/XX/XXXX I lived in XXXX. When I came into the XXXX at XX/XX/XXXX I went to XXXX XXXX XXXX to renew/reopen my checking account. The banking clerk told me that she cant open for me regular account because of my bad credit history, she opened for my opportunity ( limited ) checking account and suggest to check all my information within a credit bureaus. I was shocked because I haver never apply for any credit lines/loans/credit cards in XXXX XXXX till XX/XX/XXXX. After a few months I found out information about credit reports/score/credit history. I login to XXXX/XXXX/XXXX and XXXX XXXX to check information under my SSN and find out numerous accounts under my name which was opened when I even didnt had a visa to XXXX. Those accounts were opened within XX/XX/XXXX-XX/XX/XXXX years when I lived in XXXX and dont even think about XXXX. So, this complain is about BANK OF AMERICA account ending XXXX which was open ( according to XXXX credit report ) XX/XX/XXXX with a credit limit XXXX $ and current balance XXXX $ .I have never apply for Bank of America credit card/never received and never use ANY of Bank of America credit cards . I physically lived in XXXX-it 's no way for me to used this card. I called Bank of America fraud department and told all this information above, but they still didnt report to credit bureaus to remove this fraud account from my credit report.
Product: Credit card or prepaid card

Received a text message from Synchrony Bank on XX/XX/2021, at XXXX XXXX that stated : PayPal Extras MC courtesy reminder. Make payment. Pay at paypal.com XXXX. Msg rates may apply. Synchrony Bank. To opt out reply STOP Called XXXX on XX/XX/2021, at XXXX XXXX and spoke with XXXX XXXX XXXX ) for roughly eight ( 8 ) minutes who said she would put " something '' into dispute again and she will be sending out paper statement ( s ) for this account which, unbeknownst to myself, is in arrears from the last CFPB complaint ( XXXX ) that was made against Synchrony Bank and NOT RESOLVED. I'd asked XXXX at first if she could email my statement ( s ), she didn't answer then proceeded to confirm my mailing address, albiet she's going to send them. 

I'm signed up for paper statements on my account and without the card attached to the account being registered due to privacy concern ( s ) there is no way and hasn't been a way for me to log into my " PayPal Extras MC '' and see the account. 

That is the status as of this morning, XX/XX/2021, at XXXX XXXX