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

XXXX XXXX is inaccurately furnishing information to XXXX and Experian who are reporting onto my consumer report. This is causing me significant damages as I have repeatefly tried to get this information updated to reflect properly. 

Last Verified : XX/XX/XXXX -- Date of Last Activity : XX/XX/XXXX XX/XX/XXXX Date Reported : XX/XX/XXXX XX/XX/XXXX Date Opened : XX/XX/XXXX XX/XX/XXXX Closed Date : XX/XX/XXXX Account Rating : Paid -- Closed Last Payment : XX/XX/XXXX XX/XX/XXXX 15 U.S. Code 1692j - Furnishing certain deceptive forms U.S. Code ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating.

( b ) Any person who violates this section shall be liable to the same extent and in the same manner as a debt collector is liable under section 1692k of this title for failure to comply with a provision of this subchapter.
Product: Vehicle loan or lease

I purchased a car in XXXX from US Auto Sales with a two year warranty. It came time for me to use my warranty go get some repairs done and when I called the warranty company they advised me that my warranty did not exist because US Auto Sales never paid and they havent been paid in a very long time. {$2800.00} is added into my purchase agreement and XXXX  can not even use it. U.S. Auto Sales has closed all of their dealerships as of XX/XX/2023 and transferred all of our up-to-date accounts to Westlake Portfolio Management, a debt collection agency. How is that possible when my account was never in default? Now my credit is taking a downfall because of it. US Auto Sales is also ordering repossessions on vehicles. I was told that they are doing that so we can get a new contract with Westlake and get the cars back. Im disgusted with this.
Product: Credit reporting, credit repair services, or other personal consumer reports

Cfpb Why aren't you doing more to enforce consumer rights under the FCRA and FDCPA? Over the last year, I've been led to believe that my credit report has been irresponsibly tampered with. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I've been disputing these accounts for the past two years, and Equifax, XXXX, and XXXX have not provided me with substantial proof of validation that they claim they've received. 

I have made several attempts to remind Equifax, XXXX, and XXXX of their obligations under 15 USC 1681. It appears that they are being deliberately and willfully negligent in resolving my issues. 15 USC 1681e ( b ) guarantees that I am due and promised accuracy in my report in accordance with federal law. This is yet another attempt to have these errors on my consumer report corrected According to I5 USC 1681 ( A.5 ), all unverified information must be promptly removed following the reinvestigations. You can see in your system that these accounts have previously been disputed without being thoroughly investigated, so I know they can not be verified or validated. '' I demand that the accounts be deleted.
Product: Credit reporting or other personal consumer reports

XX/XX/year> i sent a letter to XXXX XXXX to the address being reported on my credit report from the credit bureaus asking for validation of debt ... XXXX XX/XX/year> this letter was returned to me saying that the address being reported is incorrect... the bureaus are required by law to provide 100 % accurate information on the credit reports which includes contact information to the creditors that are reporting and this is inaccurate and wasted 3 months here causing me financial damages... ..i have attached photos as proof
Product: Credit reporting or other personal consumer reports

I'm terribly worried about the preciseness and validity of your recent investigation of these accounts that are on my credit report. About a month a I asked for an investigation because I felt the items were being reported illegitimately. Shortly after that I received a letter stating that your investigation was completed. Did you even read the previous letter? Please explain to me how you conducted your investigation! 

Please I need you to send me my complete credit report as required by the Fair Credit Reporting Act to my home address. 

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( XXXX ) that I have made. It is the result of identity theft XXXX ) The following account is reporting incorrect, inaccurate and imprecise information. 
Account name : XXXX XXXX Account number : XXXX Fraudulent balance : {$8800.00} This account is the result of identity theft. 
This account does not belong to me, I have never had any kind of business relationship with this company.

Please note that you have 30 days to complete this investigation as per the Fair Credit Reporting Act Sec. 611 ( a ) ( 1 ) ( A ) and I am maintaining a precise record of actions, including the method of verification. I do not consent to any e-Oscar, or any other means of automated verification. 
This account is duplicated on my credit report, please remove from my credit report. 



XXXX ) The following account is reporting incorrect, inaccurate and imprecise information. 
Account name : XXXX XXXX XXXX  Account number : XXXX Fraudulent balance : {$3100.00} This account is the result of identity theft This account does not belong to me, I have never had any kind of business relationship with this company.

Please note that you have 30 days to complete this investigation as per the Fair Credit Reporting Act Sec. 611 ( a ) ( 1 ) ( A ) and I am maintaining a precise record of actions, including the method of verification. I do not consent to any XXXX, or any other means of automated verification. 


XXXX ) The following account is reporting incorrect, inaccurate and imprecise information. 
Account name : XXXX XXXX Account number : XXXX The status of this account should indicate paid as agreed. This account has been paid correctly and has never been in late payment. 
Please immediately remove these XXXX ( XX/XX/year> ), XXXX ( XX/XX/year> ) days delinquencies from my credit report as required by the Fair Credit Reporting Act. 
This account is reporting incorrect information as the correct balance is {$2800.00} Please note that you have 30 days to complete this investigation as per the Fair Credit Reporting Act Sec. 611 ( a ) ( 1 ) ( A ) and I am maintaining a precise record of actions, including the method of verification. I do not consent to any e-Oscar, or any other means of automated verification.
Product: Debt collection

On XX/XX/XXXX, I received a notice from XXXX XXXX XXXX regarding a collections debt from XXXX. I sent this company a certified letter to validate this debt. The debt was not validated but sent from a company with a different name Cavalry Portfolio Services , LLC. In the amount of XXXX. The account listed is XXXX. The address is different as well. The address : XXXX XXXX XXXX XXXX XXXX XXXX. XXXX PA XXXX was sent certified verification mail. XXXX XXXX XXXX and/or Cavalry Portfolio Services , LLC did not verify this debt but instead sent me a bill. Nothing verifying the debt. This is clearly an abuse of collections tactics. This is not my debt and is from XXXX don't have or have had any business with this company in the past or currently. This is harassment! I demand that this collections company cease and desist all collections efforts and stop the harassment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this CFPB Complaint in regards to the removal of the fraudulent accounts and information from my Credit File. Under the Fair Credit Reporting Act section 605b, the Credit Reporting Agencies are required to remove any accounts and information that resulted due to identity theft. Also, the Credit Bureaus have been continuing the reporting of the disputed items as verified without sending me copies of proof of verification to support the Credit Bureaus ' claims about the disputed items. Their willful non-compliance with the Federal statute is a clear violation of a consumer 's rights. These items are unknown to me. Also, the information that some Credit Bureau provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. Under the Fair Credit Reporting act section 605b, I am requesting that the Credit Bureaus remove the following items completely from my Credit 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 Original XXXX : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$760.00} XXXXXXXX XXXX XXXX Original Creditor : XXXX XXXX Balance Owed : {$240.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX Balance Owed : {$51.00} XXXX XXXX Original Creditor : XXXX XXXX XXXX A XXXX Balance Owed : {$820.00} XXXX  XXXX/XXXX/2021
Product: Credit card

Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX  XXXX, Iowa XXXX Re : Complaint Against JPMorgan Chase & Co . 
To Whom It May Concern, I am writing to formally lodge a complaint against JPMorgan Chase & Co. ( hereafter referred to as " Chase '' ) for what I believe to be discriminatory actions and violations of my rights as a consumer. The details of my complaint are as follows : In XX/XX/XXXX, I initiated a banking relationship with Chase by opening a checking account and transferring a substantial balance of {$250000.00} from XXXX XXXX. To my dismay, in XX/XX/XXXX, I was forced to close this account due to what I perceive as a discriminatory decision on the part of Chase. It appears that this decision was influenced by my immigrant status, which is a clear violation of my consumer rights. 
Furthermore, this discriminatory action has extended to my United XXXX credit card ( XXXX ), which I opened in XX/XX/XXXX. The decision to close this credit card account has not only restricted my access to the benefits associated with it but has also infringed upon my rights to have an extended relationship with United Airlines. 
I believe this decision was unfairly influenced by a past interaction with a Chase banker named XXXX in XXXX. At that time, as a recent immigrant, I sought advice from XXXX regarding my financial situation and was advised to deposit a substantial sum in order to foster a better relationship with the bank and apply for additional products, such as a credit card. However, when my credit card application was denied, XXXX suggested closing my Chase account to avoid generating expenses. As a result, my profile may have been unfairly flagged, causing significant personal and financial detriment. 
I also wish to point out that Chase recently took actions against individuals such as XXXX XXXX, citing his support for XXXX XXXX. This appears to be a contradiction when compared to my situation, where I am an immigrant from XXXX fleeing the influence of a dictator. This apparent inconsistency raises questions about the bank 's principles and fairness. 
As a result of these actions, I have incurred financial losses, including the annual fee of {$520.00} for the credit card, which was closed after only 2.5 months of use. Additionally, my credit score has dropped from approximately XXXX points to XXXX, impacting my ability to secure a favorable Jumbo mortgage rate and resulting in a projected {$140000.00} increase in mortgage payments over a 30-year term. This will also require me to consider a more affordable home, limiting my choices and affecting my quality of life. 
I kindly request the Consumer Financial Protection Bureau to investigate this matter thoroughly and take appropriate action to address these alleged violations of consumer rights and discriminatory practices by Chase. 
I am open to providing any necessary documentation to support my case. It is my sincere hope that the Consumer Financial Protection Bureau will investigate this complaint impartially and ensure that consumers are treated fairly and in accordance with the law. 
Thank you for your attention to this matter. 
Sincerely, XXXX XXXX
Product: Debt collection

I 've tried for months through other mediums to rectify this incorrect information that XXXX XXXX reporting to credit bureaus. I know that they have been cited/sued for unfair treatment of consumers in the past according to the FCRA and I believe that I 'm being treated the same way. 

I do not have a signed contract nor any contract with Portfolio Recovery Associates. I have never done business with them and I am not liable for this collection from XXXX XXXX XXXX. Furthermore I am not responsible for the debt with Portfolio Recovery Associates. 

I demand to see proper Validation of this supposed Debt ( Signed Contract, Signatures ) or for it to be Deleted ASAP.
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 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX  have violated my rights.

15 USC 1681 section ( A ) 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 accounts without written instructions.

15 USC 1681 ( C ) ( A ) ( 5 ) section states no consumer reporting agency may make any consumer report containing any of the following items of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 USC ( C ) 1681-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

A majority amount of money on my checking has been taken with no consent or wrongfully. The app is very untrustworthy. When I need help they are never helpful and never give me reasonable or solid solutions to the problem at hand. I dont remember the dates because its been recurring.
Product: Credit reporting or other personal consumer reports

On XX/XX/2024 I saw on my XXXX, XXXX and XXXX credit bureau accounts that I had an account that was sent in to collections. It is stated that I had an account with the XXXX XXXX XXXX XXXX which was sent into collection and the amount owed was {$2100.00}. Now I never attended the XXXX XXXX XXXX XXXX or applied to go to such a XXXX  and thus I don't owe them any money. 
I live at XXXX XXXX XXXX, XXXX XXXX Missouri, XXXX and attend the XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) and I will attach documents to prove this.
Product: Credit reporting, credit repair services, or other personal consumer reports

EXPERIAN IS GUILTY OF REMOVING XXXX XXXX ACCT # XXXX FROM MY CREDIT FILE FOR FRAUD ACCOUNT AND THEN PROCEEDED TO PLACE THIS ACCOUNT BACK ON MY CREDIT FILE WITHOUT NOTICE AND THIS ACCOUNT WAS STILL IN DISPUTE. BY DOING THIS MY CREDIT SCORE DROPPED AND EXPERIAN IS REFUSING TO DELETE THIS ACCOUNT WHICH WAS PLACED BACK ON MY CREDIT FILE WITHOUT FOLLOWING THE LEGAL PROCEDURE TO ACTUALLY DO SO.
Product: Debt collection

On XXXX I defaulted on a mortgage loan number XXXX. On XXXX a fourclosure complaint was filed. The property than went to final judgement and the house was actioned off. The original servcer of the loan was XXXX XXXX Mortgage, Than the servicer was switched to Countrywide home loans and than to Bank of American N.A. I defaulted on this loan well over 7 years ago. Bank of America is still reporting this negative information on all XXXX of my credit reports. This are reporting complete different time dates and defaults on each credit report. Basiclly they have no idea when the default accured because the loan was transfered so many times. Attached is proof that tha default accured over 7 years ago. You can clearly see this on older credit reports i have also inclosed,
Product: Mortgage

my wife and I XXXX, call this company to Refinance, everything they ask forms paper they got it, they give us closing day, so they sent that person to signing the documents XXXX days after the closing the titles personal call me above other finance documents that they needing, they had XXXX days to collect all the information to continue or to stop the Refinance process.
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. 

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 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 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

spoke to Equifax representative name : XXXXXXXX XXXX XXXX XXXX he refused to remove the inquires after me telling he can will remove unauthorized inquiries. Also won't correct the info reporting incorrectly every month which is going against my consumer rights. ANOTHER REPRESENTATIVE DID THE SAME YET HUNG UP IN MY FACE. BOTH SAID THEY DO NOT INVESTIGATE INQUIRES ONCE PLACED ON REPORT EVEN IF DISPUTED VERBALLY OR DISPUTED VERBALLY. REASON THERE STILL THERE NO INVESTIGATION. 

US CODE 15 USC 1681 section 604 of force no unity is allowed to pull my credit report without my permission US CODE 15 USC 1681 section 604 A 1A REQUIRES YOU TO VERFIY ORIGNAL SIGNED CONTRACT.
Product: Credit card or prepaid card

USAA cancelled my card -XXXX  because they said it was "compromised".I was told a new one was sent. After a month I have not received.I tried to resolve by phone, but would only verify my identity by mobile phone or email to which I do not have access, so agent XXXX  and supervisor XXXX would not continue to resolve this problem.
Product: Credit reporting, credit repair services, or other personal consumer reports

Several loans were taken out under my name in XXXX, XXXX, and XXXX of 2022. I am not aware of these accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

A collection account is being reported on my account despite efforts to verify this debt with both the company ( letter attached ) and the Consumer Financial Protection Bureau. 

As seen from attachments, I asked XXXX and XXXX to verify this debt per Fair Credit reporting rules and they never responded to me or CFPB. The item is not mine as I do not owe ( please check my credit report ). I carry no balances with lenders except my home. 

I am requesting that this item be removed immediately from my report or I will pursue legal action against the reporting bureau.
Product: Credit reporting or other personal consumer reports

I am filing this complaint under FCRA 605B ( 15 USC 1681c-2 ) to request that TRANSUNION block fraudulent information appearing on my credit report. These accounts resulted from identity theft, the XXXX data breach, and fraud and must be removed within XXXX ( XXXX ) business days of receiving this request. 
The fraudulent accounts and inquiries include : 1. The inquiry was not authorized XXXX Date of inquiry : XX/XX/year> As a consumer by law this account must be deleted immediately. 
2. The inquiry was not authorized XXXX Date of inquiry : XX/XX/year> As a consumer by law this account must be deleted immediately. 
3. The inquiry was not authorized XXXX  XXXX Date of inquiry : XX/XX/year> As a consumer by law this account must be deleted immediately. 
4. Request for Account Blocking and Deletion Due to Data Breach XXXX Account Number : XXXX Please Delete this account. The account statuses do not match on each bureau. The bureaus are violating the FCRA/FDCPA by providing inaccurate information. 
5. The following personal information is incorrect Former : XXXX, XXXX 6. The following personal information is incorrect Also Known As : XXXX, XXXX 7. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX I DO NOT recognize these accounts, collections, or inquiries. They were not opened, authorized, or initiated by me and are causing inaccurate reporting on my consumer FICO credit report. 
As proof, I have attached my FTC Identity Theft Report. I expect XXXX to comply with the Fair Credit Reporting Act ( FCRA ) and immediately block these fraudulent items from my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

The XXXX  XXXX accounts XXXX, XXXX, XXXX. Were all settled on or before XX/XX/2021. These accounts are still showing open. They must be marked closed and paid. 

Additionally XXXX account [ XXXX  XXXX ] .. XXXX has been setled and need to be reported as paid as agreed /no balance
Product: Debt collection

I notified XXXX in XXXX that a debt that were billing me for was not mine. They ignored all correspondence. The debt was bought by Mandarich Law and they have since won a judgement against me. My pay is currently being garnished. Mandarich law firm has sent notices to the court and my employer without my knowledge. I received the notice of garnishment from my employer. Then days later in the mail I got notice from Mandarich. This gave me no time to file an exemption. I am owed the exemption since I earn less than {$750.00} a week. And am XXXX of XXXX. These are shady practices all to the benefit of XXXX and Mandarich law. All the paperwork and the garnishment of wages should be thrown out since I was never given a chance to file an exemption. They have my name spelled incorrectly and the dates are all over the place.