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

" Method of Verification Dispute Notice : Remove these Fraudulent Accounts, Inquiries & Inaccurate Personal Information.

The banking system is contingent upon equitable and accurate credit reporting, as stated in the equitable Credit Reporting Act ( 15 U.S. Code 1681 ). The banking system 's efficacy is directly impacted by inaccurate credit reports, and the public 's confidence is undermined by unfair credit reporting methods, which are essential for the system 's continued operation.

Therefore, the efficiency of the finance system is compromised whenever the FCRA is violated. This is a violation of my privacy with respect to my consumer report, as I have the authority to determine which items are included and which are not. Identity theft is the act of reporting any accounts without my written consent. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This results in civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n. The law permits a {$1000.00} fine per violation for each account listed without my expressed written assent.

I reviewed my consumer reports and observed accounts that I had never granted anyone permission to report. Consumer reporting agencies have taken on a critical role and are obligated to report consumer information with the utmost accuracy, as the Fair Credit Reporting Act explicitly stipulates. I did not provide written consent to report them. I am expressing my dissatisfaction with the contents of the attached file. 
" I am not requesting the verification or validation of any of these accounts. The accounts that are enumerated MUST be deleted. I am requesting that the credit reporting agency adhere to fair and equitable practices. I will file a complaint for default judgment on minor claims as a result of your violations. The credit reporting agency is required to remove any account that I identify as alleged identity theft in accordance with 15 U.S. Code 1681c-2. The accounts that must be removed are as follows. I am expressing my dissatisfaction with the contents of the attached file.
Product: Debt collection

On XXXX XXXX, 2015 I called midland credit management. I verbally requested that they send me verification that they owned the debt. I also wrote them on XX/XX/XXXX and have yet to receive anything from them at all. I have requested that they stop reporting to the credit bureaus and they have not stopped. When I disputed it with the credit bureau they responded back stating that MCM sent them information stating that they own a debt that I owe. Well, I 'm still waiting on this as I have a right to see that they do in fact own any debt that I owe.
Product: Credit reporting or other personal consumer reports

I am reaching out to due to a form of identity theft. 
This account is not mine. As a consumer, I am aware that if I didnt give permissible purpose for CAPITAL ONE AUTO FINANCE to report this account & it was done without my consent & is a form of identity theft per the law. If you fail to delete this account, I will have to proceed to taking further action. 
This account is not mine & needs to be deleted. 

Accounts CAPITAL ONE AUTO FINANCE - XXXX CAPITAL ONE AUTO FINANCE - XXXX Last 4 digit SSN : XXXX
Product: Debt collection

On XX/XX/year>, I sent a formal debt validation request to American Express and their assigned third-party debt collection agency, XXXX XXXX XXXX XXXX, regarding an account they claim I owe. I requested proof of the original signed agreement and a detailed breakdown of how the debt amount was calculated. However, I received only account statements, which did not meet the requirements for proper debt validation. 

On XX/XX/year>, I sent a second formal request to the same parties for complete validation of the debt, including the signed agreement and proof of their legal right to collect the debt. As of XX/XX/year>, I have still not received the required documentation. 

Despite failing to provide proper validation, the debt collector continues collection efforts, which includes reporting this debt to credit bureaus. Under the Fair Debt Collection Practices Act ( FDCPA ), collection activities must cease until the debt is validated, and I believe this constitutes a violation of my consumer rights. 

I request that all collection activities be stopped and any negative reporting to credit bureaus be permanently removed, as the debt has not been properly validated according to the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive sent numerous cfpb complaints to this company to address the issue on them not completing an investigation on discrepancies on my credit report. Ive sent them documentation and social security cards stating that i am the person who wrote the dispute. This company is violating my fair credit reporting acts by avoiding removing the inaccurate information that was never investigated. On XX/XX/2020 i submitted a dispute letter to transunion in regards to inaccurate derogatory remarks on my credit profile. I sent the letter certified mail and it displays transunion recieved the letter. It has been over 30days and I havent been notified of the results of the investigation. This is a direct violations under my rights of the fair credit reporting act due to failure to properly investigate my disputes. Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Inaccurate, incomplete, or unverifiable information must be removed or corrected, usually within 30 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am trying to correct some information on my Experian Credit Report. Their website is very misleading and they try to trick me into taking out a membership where you have to pay a monthly fee for. I have been trying to log in/create an account to dispute credit inaccuracies and I am not able to do so. The site keeps stating that my password is incorrect even after several attempts to reset it. I try to submit documents to verify my identity and I get a message that my documents were discarded. I try to call the phone number listed on the site and I am not able to get in contact with anyone for assistance. Again the automated phone system refers me to the dysfunctional site.
Product: Credit reporting, credit repair services, or other personal consumer reports

In the summer of XXXX I received a late night message that my Experian credit rating had went down. Upon checking my credit report the following morning I found a collection on my Experian credit report from a company named " XXXX XXXX XXXX '' that I owe them a " Balance {$1000.00} '' Balance with a " Balance updated XX/XX/XXXX '' and having unexplained " Account number '' of " XXXX '' opened in XX/XX/XXXX. 

I opened no such account and made no such arrangements of any kind. I've now been given the run around for the past four years and the credit reporting agencies will not appropriately investigate and provide the details of me having opened an account or made payment arrangements. It would appear the collection stems from an account they have no records for which is far beyond the statute of limitations for collections. I have since sent letters to all three major credit reporting agencies which included the following statement : Please adhere to the attached Consumer Financial Protection Bureau CFPB order to XXXX XXXX XXXX in the following document - https : //files.consumerfinance.gov/XXXX XXXX XXXX regarding the file include : Account type - Debt Buyer Seller : XXXX XXXX Acquired On : XX/XX/XXXX Account Open Date : XX/XX/XXXX ( I opened no accounts at all that year ) Status - Collection account. {$1000.00} past due as of XX/XX/XXXX. 
Last Payment : {$290.00} on XX/XX/XXXX ( I did not make any such payment ) Status updated- XX/XX/XXXX Contact info Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I received two phone calls from the 'capital one ' fraud department to verify I had attempted to open an account. I had not and do not have an account with capital one. The number I am worried about is XXXX. I asked them to somehow verify they are capital one and they said 'they 've never received a question like that and couldnt '.
Product: Consumer Loan

I got calls from various collection companies that I owed for a payday loan taken out in XXXX or XXXX. I asked for some type of very action of the validity of this loan. They claimed to have emailed or mailed documentation but I never received any. I recently saw on my credit report that Midwest Recovery Systems put a collection on my credit report. This is not a valid debt.
Product: Money transfer, virtual currency, or money service

XXXX XXXX XXXX To Whom It May Concern : On XX/XX/XXXX, I scheduled a wire from my personal JP Morgan Chase Bank NA account to my XXXX XXXX XXXXXXXX XXXX account for {$140000.00}. The wire was necessary due to the behavior or JP Morgan Chase Bank NA employees against me and my business. 

The wire was not processed and I was instructed to call and verify. On XX/XX/XXXX, I called and verified the information not once, but twice. I also called my local branch and verified the information again. 

The wire was not released and my account was locked. I then went to the local branch and they refused to unlock the account or release the wire/funds. 

My money is now being held hostage.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX who is submitting this CFPB complaint myself. The TransUnion Credit Bureau is reporting inaccurate information on XXXX ; this is in violation of the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file. 

( XXXX XXXX )
Product: Debt collection

Accounts were opened under my name due to identity theft typically occur when an unauthorized individual gains access to your personal information, such as your Social Security number, date of birth, or financial details. Armed with this data, they impersonate me to open accounts without my knowledge or consent.
Product: Checking or savings account

XXXX XX/XX/year> I could not access my Capital One checking account online as it said " We ran into a snag trying to retrieve your account details, but we're working on it. '' On XX/XX/year> I still could not access my account and I called the Capital One phone support. The Capital One representative told me she could not access my account and did not know when the issue would be resolved. It has been over XXXX hours that I do not have access to my account/money. I can't see it, I can't spend it, I can't access it.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I submitted a complaint to the CFPB on Lexis Nexis. Complaint number XXXX. This was not my first or second complaint for Lexis Nexis through the CFPB. I had addressed an ongoing issue with Lexis Nexis not removing old addresses per laws concerning FCRA and FDCPA. They responded to CFPB complaint number XXXX on XX/XX/year> stating that they had removed this old information from my consumer report. see attached. On XX/XX/year>, I received letters in the mail dated XX/XX/year>, which showed they had not removed this information. see attached. I am frustrated that no one is holding the CFPB accountable for these actions of deceiving the public and not doing as they told the CFPB that they had done in which they did not.
Product: Credit reporting or other personal consumer reports

I did not authorize any of the hard inquiries listed in this letter. This is not an opportunity for you to investigate as I have provided an identity theft report listing all of the unauthorized inquiries. 15 U.S. Code 1681c2 - Block of information resulting from identity theft ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 2 ) a copy of an identity theft report Failing to comply with deleting the hard inquiries listed from my credit report within 14 business days will result in violating the Fair Credit Reporting Acts federally protected laws meaning Trans Union & Equifax will be liable to me for statutory damages for Trans Unions misconduct as per the FCRA ( 15 U.S.C. 1681n ( a ) ( 1 ) ( A ) ). 

Hard inquiries : 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
Product: Credit reporting or other personal consumer reports

I contacted Experian because I noticed an unauthorized credit card taken out in my name ( which is my translated name in the XXXX, not the one I am filing the complaint under ) I let Experian know that it is fraud and I never opened a XXXX account. I have had to let them know this twice now. I guess that they had to contact XXXX? XXXX has sent me XXXX letters now ( I can't find the first one ) with the latest stating that they can't stop the reporting until the authorized user has been removed from the account and if I had any questions or needed to remove the authorized user to contact them at the phone number listed on the back of the card. I never opened an account and do not have a card hence no phone number. XXXX did not even state that the account has been closed due to fraud. I looked up XXXX and called them but they did not have a record of any account in my name. I looked up the po box listed on the letter and it comes up with another po box number listed as if the one on the letter does not exist. I also noticed that XXXX is a subsidiary of XXXX and the letter states the account number and lists it as a XXXX XXXX.
Product: Checking or savings account

I am an account holder with American Express Serve, and recently my account as well as the lohin information was fradulently used. My bank failed to allow timely access by restricting me from updating the information required to bypass the 2-step verification process and resetting the password. This allowed for unauthorized transactions on the account during the period that I was unable to access the account. This incident has now been identified as identity theft, and this includes the past 12 months in which transactions and the tampering and missing of funds have become evident. The bank has been notified and have not made the necessary changes to the account including returning such funds that I disputed.
Product: Student loan

Sallie Mae approve me as a co signer@12.5 interest on both variable and fix rate for $ XXXX for 1 year with monthly payments over {$540.00} for 144 month. My son may need this loan for 4 years meaning $ XXXX with payments over {$2200.00} monthly after he graduates. I called them and they said thats a system approval and nothing they can do. My credit is over XXXX and their advertisements shows rates from 1.5 percent. How my son will pay this amount after graduation. This is not right. We are setting my son to have stress to make this payments. This is predatory XXXX XXXX  when you set up an individual for failure.
Product: Mortgage

I receiived a letter from Ditech Mortgage regarding refinancing of my home loan in late XX/XX/XXXX. I had about four years to pay off my loan, and inquired about the HARP loan. I was assured by everyone I spoke to that if I refinance it would be under the HARP loan and that within a year I could refinance at a guaranteed reduce loan rate. So, I decided to do the refinance in XX/XX/XXXX. I extended it for an extended time, because I wanted to give myself a year to catch up on other bills, and I knew when the year was up my rate would at least be a point or two lower, and I would go back to my original payment. 
XX/XX/XXXX I called just to ensure when I could begin that refinancing process. I was assured in XX/XX/XXXX I could do my refinance with the HARP loan. So, I call again closer to the date in XX/XX/XXXX and I was told I did not have a HARP loan. I was upset and they transferred to a number where no one picked up the telephone. I called back on XX/XX/XXXX to once again to ask about my HARP loan. I spoke to a young man named XXXX on XX/XX/XXXX around XXXX XXXX I asked him to confirm that I did have a HARP loan. He said yes you do and I am eligible for a refinance. Then I said, could you send me proof of my loan being a HARP loan. He puts me on hold and comes back and says sorry you loan is not a HARP loan. I told him you just told me it was. I said I wanted to speak to a supervisor. She came on line and told me I never had a HARP loan. I told her that is not true. I was told by every single person I spoke to up to the signing of the loan I had a HARP loan. This young man just confirmed I had a HARP loan. Now you tell me I do not. She then begins to tell me they have not done HARP loan in years, which is a lie. 
The mortgage document I signed does not show HARP loan on it. I was not aware that it had to be stated, because I was assured by every single person I spoke to that it was a HARP loan. I was not asking for a hand out nor any special services. I was misinformed and blatantly LIED to about my loan from every Ditech employee I came in contact with. I want the loan I was promised a HARP. I am an American citizen, a veteran and a mother and grandmother. It is disgraceful how Ditech employees blatantly and continuously LIED to me. It made absolutely no sense for me to refinance with four years to pay off my mortgage in full, without a promise of a get. That get being a HARP loan with a promise of points taken off ( lower interest rate ) after a year. 
Please help me resolve this issue. I have never been in such a position before in my life. I was a paying customer of theirs for quite sometime and for such blatant lies is making me so sick. How they sleep at night is a mystery to me, because I am sure I am not the only person they have done this to. 

Thank you and I just want what I was promised. My lower rate after one year which was XX/XX/XXXX. Please let me know the next steps.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are Three accounts that are reporting on XXXX, Equifax and XXXX. 

I have submitted police reports and fraud affidavit reports with the disputes. They are still giving me a hard time. 




Three accounts that have inQUIRY and accounts open in my name by fraud!!!!! I did not open these accounts! I am a victim of identity Theft. 


Accounts XX/XX/XXXX XXXX XXXX XXXX  showing a balance of XXXX AND ACCOUNT NUMBER IS ( XXXX ) When I called them I spoke to a women name XXXX and she stated someone opened an account in my name and the real balance is XXXX not XXXX but that doesn't even matter because this is NOT MY ACCOUNT!!!! PLEASE DELETE!!!!! 

THIS ACCOUNT IS SHOWING AN INQUIRY AND ACCOUNT OPENED! 

XX/XX/XXXX, XXXX XXXX  XXXX ACCOUNT NUMBER ( XXXX ) BALANCE OF XXXX NOT MY ACCOUNT PLEASE REMOVE FROM MY ACCOUNT I DID A DISPUTE WITH ALL THREE AND ALL THREE IS GIVING ME A HARD TIME. 

I SUBMITTED A CLAIM WITH EQUAFAX AND THEY DELETED THE XXXX XXXX BUT NEVER DELETE THE ACCOUNT. 


PLEASE DELETE ALL INQURIES AND DELETE XXXX  ACCOUNTS I LISTED XXXX XXXX PLEASE
Product: Checking or savings account

I am XXXX XXXX XXXX a XXXX XXXX  at the XXXX XXXX XXXX. I opened a checking account in Chase Bank on XXXX XX/XX/2023. Chase Bank had offered that If I enrolled for the direct deposit within 90 days, I would get a bonus of XXXX XXXX I enrolled for the direct deposit on XXXX XX/XX/2023 which is before the validity of 3 months but my check got deposited into the account on XXXX XXXX because of some issue between the bank and the university. Chase Bank claims that I won't be getting a bonus since the check git deposited after the validity. I feel this is unfair since I was just asked to enroll for the direct deposit within 90 days no matter when the check gets deposited. I request that some action be taken against them. I called them multiple times but the bank is not responsive.
Product: Credit reporting or other personal consumer reports

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate.

In accordance with the Fair Credit Reporting Act, the list of accounts has violated my federally protected consumer rights to privacy and confidentiality under the 15 USC 1681. These accounts has violated my rights.

Pursuant to 15 USC 1681 section 602 A states I have the right to privacy.

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

I am requesting for the original copy of the agreement & terms & condition. Failure to comply will forfeit your claims and will require you to delete all the list of items above.

You are required to do what I am asking and block these transactions from being reported to my consumer report WITHIN 4 DAYS from the date of the receipt of this notice. I LOOK FORWARD TO YOUR RESPONSE. 

Accounts : XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

The Fair Credit Reporting Act ( XXXX XXXXXXXX XXXX  XXXX ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both XXXX XXXX XXXX XXXX ( 2 ) and XXXX XXXX XXXX XXXX. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under XXXX XXXX XXXX XXXX, which allows for {$1000.00} per violation, for account listed without my expressed written consent.