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

In accordance with the Fair Credit Reporting Act ( FCRA ) these creditors have violated my rights for these accounts : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX Due to the following : [ 15U.S.C. 1681 ] Section 602A states that I have the right to privacy.

[ 15U.S.C. 1681 ] Section 604A, Section 2 states that a consumer reporter agency can not furnish an account without my written instruction or consent.

[ 15U.S.C. 1681 ] Section 603 Section 2A, Subsection ( iii ) states that communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons.
Product: Debt collection

XXXX  CONTINUES TO PUBLISH THE FOLLOWING INFORMATION EVEN AFTER I INFORMED THEM THAT THIS WAS DUE TO IDENTITY THEFT WITH SUPPORTING DOCUMENTATION FROM THE USPS POSTAL INSPECTION SERVICE CRIMINAL INVESTIGATIONS DIVISION AND A SIGNED AFFIDAVIT FROM A USPS EMPLOYEE NOTING THAT SEVERAL HEALTH INSURANCE AND SOCIAL SECURITY CARDS WERE ORDERED NOT BY ME AND SENT TO MY XXXX   XXXX XXXX, XXXX XXXX MI XXXX. THE ACCT # IN QUESTION ON MY XXXX CREDIT REPORT IS : JH PORTFOLIO DEBT EQUITI INC. I ALSO EXPLAINED TO THAT COMPANY THAT A COURT ORDERED CONSERVATOR NAMED XXXX XXXX, A LAWYER WITH LAW OFFICE OF XXXX XXXX, WAS ASSIGNED TO ME AND FORWARDED ALL MY MAIL AND TOOK OVER ALL FINANCIAL MATTERS AND THAT I NO LONGER HAD ANY CONTROL OF MY FINANCES AND THAT INQUIRES WERE TO BE DIRECTED TO HIM. THIS CONSERVATOR MISMANAGED MY ACCOUNTS AND REFUSED TO PAY ANY OF MY CREDIT CARDS RESULTING IN ALL OF THEM BEING CANCELLED EVEN THOUGH HE HAS BILLED THE COURTS AND MY ACCOUNTS WITH HIS FEES FOR PAYING AND REVIEWING MY CREDIT CARD STATEMENTS. MY CREDIT IS IN A WRECK FROM MISMANAGEMENT AND USED TO BE IN THE XXXX - XXXX RANGE. SINCE I WAS NO LONGER RESPONSIBLE FOR FINANCIAL ISSUES OR DECISIONS FOLLOWING THE APPOINTMENT OF A CONSERVATOR AND LOSS TOTAL CONTROL OF THE ACCOUNT, I SHOULD NOT BE HELD RESPONSIBLE FOR CHARGES INCURRED OR CHARGED BY HIM AND THIS SHOULD BE REMOVED FROM MY CREDIT REPORT. 

JH PORT DEBT {$2800.00} Account Details Last Reported Collection Agency Original Creditor Status Opened Date Closed Date Responsibility Balance High Balance Remarks XX/XX/XXXX JH PORT DEBT 12 XXXX BANK Open XX/XX/XXXX -- Individual {$2800.00} {$2800.00} Account information disputed by consumer, meets FCRA requirements Creditor Contact Details JH PORTFOLIO DEBT EQUITI XXXX XXXX XXXX XXXX XXXX, MO XXXX ( XXXX ) XXXX
Product: Credit card

Dear Consumer Financial Protection Bureau ( CFPB ), I am writing to reiterate my complaint against Wells Fargo Bank concerning their mishandling of a dispute that has now lingered for more than 90 days without resolution, despite the merchant 's reversal of the transaction and subsequent failure to refund the consumer. The pertinent dispute details are as follows : Dispute Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX My evidence unequivocally demonstrates that Wells Fargo received the reversal from the merchant. However, they have inexplicably failed to refund the consumer within the 90-day timeframe. This situation suggests either a profound inefficiency within the bank 's operations or a deliberate disregard for positive customer service practices. 

I am submitting this complaint once again with the expectation that relevant authorities will oversee this matter and ensure a fair resolution. 

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

I have multiple inquires on my credit file that i did not authorized i do have a fraud alert on my credit because of identify.Someoen has been using my information trying to get credit i am a XXXX  veteran who is XXXX   XXXX  the list is from XXXX  XX/XX/2018 COAF XX/XX/18 COAF XX/XX/18 AND XX/XX/18 AND XX/XX/18 XXXX   XXXX XXXX XX/XX/2018 XXXX XX/XX/18 XXXX XX/XX/18 XXXX XXXX XX/XX/18 XXXX XXXX   XX/XX/18 XXXX  XX/XX/18 XXXX XXXX  XX/XX/18 XXXX  XX/XX/18 AND XX/XX/18 XXXX XXXX  XXXX XX/XX/18 XXXX XXXX XX/XX/18 This is XXXX  list XXXX XXXX XXXX XXXX  XX/XX/18 XXXX XXXX XXXX  XXXX XX/XX/18 XXXX XXXX XXXX XX/XX/18 XXXX XXXX XXXX XX/XX/18 XXXX XXXX XX/XX/18 XXXX XXXX   XXXX XX/XX/18 XXXX XXXX XXXX XX/XX/18 XXXX XXXX XX/XX/18 XXXX XXXX XXXX XX/XX/18 XXXX XXXX XX/XX/18
Product: Credit reporting or other personal consumer reports

Performed soft inquiry. Qualified AFTER hard inquiry. Emails and texts sent to customer to provide docs and set up appt. Local office then calls that ineligible. AFTER the hard credit pull was performed.
Product: Checking or savings account

Dear Consumer Financial Protection Bureau, I am filing a formal complaint regarding the abrupt and unexplained closure of my JPMorgan Chase Bank account after more than 10 years as a customer. Despite my account operating consistently without any prior issues, Chase closed it without providing any reason. My repeated attempts, through customer multiple calls, to obtain an explanation have been unsuccessful, as the bank has refused to clarify the basis for its decision. 

I am deeply concerned that this closure may be punitive or discriminatory. Recent reports in the media suggest that JPMorgan Chase has closed accounts based on customers political affiliations. While I have no definitive proof that this applies to my situation, the lack of transparency raises serious concerns about potential bias.

The closure of my account has caused significant financial hardship, as it was my primary banking account. Moreover, the broader trend of unexplained account closures raises concerns about the fairness and accuracy of automated compliance systems used by banks, including potential biases in artificial intelligence algorithms that may disproportionately affect certain demographics. 

I respectfully request that the CFPB investigate this matter to determine whether JPMorgan Chase is engaging in unfair or discriminatory banking practices. Transparency and fairness in financial institutions are essential, and I urge the CFPB to take action to prevent similar occurrences affecting other consumers. 

Thank you for your time and consideration. I look forward to your response.
Product: Credit reporting or other personal consumer reports

Please see attached file these creditors are oppressing and harassing Im asking CFPB to have these companies submit there 1099-C forms immediately I am not paying these debts and not to start a 30 day complaint but to submit 1099-C for taxes that they have already claimed as a lost and have had insurance on that debt but is still trying to collect which is fraud.
Product: Credit reporting or other personal consumer reports

My score was pulled from all three bureaus and it was reporting my student loan and now when its pulled it was wiped from my credit report and there is no score. I called the XXXX XXXX and they haven't stopped reporting my file to the credit reporting agencies. So I called to ask them what happened to my student loan they couldn't provide an answer because they are supposed to report what the creditor reports to the bureau and it is reporting accurately just not on my credit report.
Product: Debt collection

I was living in revival on XXXX I lived there for a year and a half. They gave me a XXXX day notice and said has long has I move out before the end of XX/XX/2018, I would only owe XXXX keep in mind they gave me a XXXX day notice XX/XX/XXXX. So I was gone on the XXXX. They have put outrageous charges.
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 

XXXX  XXXX {$5900.00} XXXX/XXXX   XXXX {$840.00} XXXX XXXX  XXXX XXXX {$570.00} XXXX XXXX  XXXX {$1000.00} XXXX XXXX  XXXX {$130.00} XXXX XXXX   XXXX {$540.00} XXXX XXXX XXXX {$100.00} XXXX XXXX XXXX {$1000.00} XXXX XXXX {$790.00} XXXX XXXX XXXX {$110.00} XXXX XXXX XXXX {$770.00} XXXX/XXXX/XXXX   XXXX {$440.00} XXXX XXXX  XXXX {$570.00} XXXX/XXXX  XXXX {$40000.00} XXXX  XXXX  XXXX {$2600.00} XXXX/XXXX   XXXX {$410.00} XXXX  XXXX {$5500.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not recognize or remember the following hard inquiries on my XXXX credit report which may be on my other reports as well and used without my knowledge : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I have been. Trying to contact u s direct express from XXXXXXXX XXXX through XXXXXXXX XXXX 2023. I've been calling the customer service number. XXXX many times daily at various times including easy XXXX. This is supposed to be a 24 hour service line. The message always say " we are currently experiencing high call volumes and you will need to try your call later. I need to transfer money to my bank which has yet to be approved despite emailing the prescribed HCH REQUEST to their email with a confirmation letter including account and routing information and receiving a response that I must call this service line to provide more information. I also need to stop payment on a fraudulent charge because I was deceived by an online site posing as the U.S. POSTAL SERVICE when Iwas changing my mailing address. I just moved to a one story, first floor apartment at the advice of my doctor because of mobility issues. Please note I have also tried to notify U.S. Direct Express of my address change and that is impossible to accomplish. 
I feel like my SSDI is being held hostage. Please help resolve this issue?
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX and I am submitting a follow-up CFPB Complaint to request the removal and deletion of the fraudulent accounts and information from my Credit File in accordance with the Fair Credit Reporting Act section 605b. On XX/XX/XXXX, I sent a dispute letter along with my personal identifying documents and the FTC report that I received for reporting the fraudulent activities that I found on my Credit File. Through my research, I discovered that I can request an investigation into my Credit File under the protection of the Fair Credit Reporting Act section 605b and request that the Credit Reporting Agencies remove any accounts and information that resulted from the fraudulent activity. Therefore, I request that the Credit Bureaus remove the disputed items from my Credit File as soon as possible : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/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 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 XX/XX/XXXX. In the event that the Credit Bureaus find any documents that may support the claims that the disputed items belong to me, I request that they send me copies. However, if the Credit Bureaus do not find any such documents, I expect immediate deletion of the disputed items from my Credit File.
Product: Credit reporting or other personal consumer reports

In reference to the complaint ID XXXX. The US Department of Education failed to reply or fix issues related to said complaint ID XXXX. They Violated FERPA 20 USC 1232g ( B ) Release of education records ; parental consent requirement ; exceptions ; compliance with judicial orders and subpoenas ; audit and evaluation of federally-supported education programs ; recordkeeping. The accounts are also over 7 years old which violates FCRA. They are also reporting conflicting information across all credit bureaus. XXXX of payment was made and not applied to account. These matters has caused both stress and endangerment of my life. On contract with Direct Loans and FedLoans which are now transferred to US Department of Education XXXX XXXX XXXX, the promissory note states they would not share my personal information with any third party which XXXX sales information about consumers on XXXX which includes my personal information through both direct and Indirect Channels According to their SEC Registration No.333-172549, 10-k form, and this violates FERPA and the privacy act of 1974. XXXX acquired XXXX XXXX, a third party which also holds US Department of Education accounts on my credit report from XXXX XXXX, and buy and sales information which is a breach of The Privacy Act of 1974.Experian uses the XXXX XXXX  XXXX without my consent of soliciting my personal information breach of the Privacy act of 1974.
Product: Credit reporting, credit repair services, or other personal consumer reports

account I am not responsible for being reported on my XXXX credit report by plaza services. Not mine and claimed original creditor XXXX can not even legally lend online in virginia.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a letter dated XX/XX/XXXX from a company called Bay Area Receivables about a debt they claimed I owed to them in the amount of XXXX, forwarded to them by XXXX XXXX. On XX/XX/XXXX, I responded with a debt validation sent as certified mail with return receipt. The company received and signed for that letter on XX/XX/XXXX. Bay Area then responded with the necessary documents to support the validation of the debt. However, the debt had already been satisfied - over two years ago. I mailed in a copy of the money order receipt ( dated XX/XX/XXXX ) on XX/XX/XXXX ; certified mail return receipt. The company received that letter on XX/XX/XXXX. They failed to respond to that letter however, they proceeded with putting the inaccurate debt on my credit report AFTER this letter had been received and signed for. I sent a direct dispute against the company on XX/XX/XXXX which was received and signed for on XX/XX/XXXX. I have allowed the 30 days to investigate PLUS the five days to mail and have yet to receive a response. This company has failed to comply with the dispute period set forth in FCRA 623 ( a ) ( 8 ). This false information on my credit report needs to be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date 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. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX OPM data breach as well as Equifax 's XXXX data breach. I submitted all the required documents per XXXX and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$3000.00} XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XX/XX/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 Balance : {$3000.00} XXXX XXXX Balance : {$100.00} XXXX  XXXX Bankruptcy Date XXXX : XX/XX/XXXX Reference # : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter serves as a formal complaint that you are reporting inaccurate and incomplete formation on my credit report. The notation of the following late payment is inaccurate. Please investigate and verify that all data for this account is reporting accurately including every notation date and balance whether reported or not. 

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
Product: Credit reporting

I attempted to purchase a credit report from Equifax website for {$39.00} with my credit card. During the payment processing, I received an error saying the product I requested was not available and I was unable to continue. Upon looking at my credit card statement online, I saw that Equifax had a pending transaction for {$39.00} even though I never received the product. I called Equifax and they said this is normal and I will need to wait 5+ days for it to drop off my account. Pending transactions are deducted from my available credit so I can not access {$39.00} for 5+ days with my credit card. How can Equifax post a transaction for something I never received!?
Product: Mortgage

Franklin American Mortgage is serving my 30 year fixed loan. Property was new construction so escrow shortage for taxes was expected. Paid for escrow shortage on XXXX/XXXX/XXXX ( total of {$3500.00} ). Received escrow evaluation in XXXX of XXXX. Was informed that funds were not applied to my account. Faxed confirmation that funds were sent on XXXX/XXXX/XXXX. As of XXXX/XXXX/XXXX lender has not applied funds to my account and mortgage payment shows as much higher amount. First American has never called to update me and every phone call turns into 30 minutes and having to start the conversation from the beginning. I 've requested to talk to a manager but I simply get placed on hold until I hang up.
Product: Credit card or prepaid card

Hi there, This is regarding the US bank altitude reserve card ending in XXXX. I was charged annual fee of {$400.00} on XX/XX/XXXX and has made the payment for the annual fee. The card comes with {$320.00} travel credit annually. 

I had a transaction with airbnb on purchase on XX/XX/2022 for {$290.00}. It's been over 3 weeks and I'm not seeing the travel credit being applied. I've tried calling the customer service numerous times and nobody was able to help. 

Could you please advise?
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX ; XXXXXXXX XXXX XXXX XXXXXXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX SC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; GA 'S OWN XXXX XXXX Balance XXXX {$0.00} ; XXXX XXXX Balance : {$240.00} ; XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX Balance : {$310.00} ; XXXX XXXX XXXX : {$3200.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX i had sent in a FTC report and police report to Experian and i have also called them many of times letting them know that these accounts are fraud they asked me to send in police report and a FTC report and they haven't removed it off my credit i been going back and forward with them for mouths
Product: Debt collection

State Farm Bank has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
Product: Credit reporting or other personal consumer reports

I am sending to bring to your attention the presence of inaccurate information on my credit report with your agency. The incorrect details are as follows : 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 XXXXXX/XX/year> The aforementioned inaccuracies are materially affecting my creditworthiness and causing harm to my financial well-being. I believe it is crucial to rectify these errors promptly. 

I have conducted a thorough review of my financial records and can provide supporting evidence to substantiate my claims regarding the inaccuracies. Attached to this affidavit are copies of relevant documents that demonstrate the discrepancies, including but not limited to : Bank statements, payment receipts, and correspondence with creditors I request that you undertake a complete and fair investigation into these matters and take appropriate action to remove the inaccurate information from my credit report. According to the Fair Credit Reporting Act ( FCRA ), it is your responsibility to ensure the accuracy of the information you maintain and report. 

Furthermore, I request that you provide me with a written notification upon completion of your investigation, including details of the actions taken, any changes made to my credit report, and a revised copy of my credit report reflecting the accurate and updated information.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX All reported on my Experian credit report. These must be removed according to 15 USC 1681 c
Product: Mortgage

I am sending in this complaint against Wells Fargo, because I feel that they forced me out of my home in 2017 by consistently sending me foreclosure documents and I was trying too keep the roof over my head while dealing with health issues. And due too the amount of stress that Wells Fargo had subjected me too. I asking for assistance regarding this matter.