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

I am disputing account listed under the name XXXX XXXX XXXX on my consumer reports. This dispute pertains to an account which I have no knowledge of, nor have I ever held a card or any form of credit with this entity. My prior disputes with XXXX, XXXX, and Experian have failed to resolve this matter, and I am now seeking your assistance under relevant consumer protection laws. 
I have no knowledge of any account with XXXX XXXXXXXX XXXX and have never applied for or used any such credit. According to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ), credit reporting agencies are required to conduct a reasonable reinvestigation of disputed information. I have repeatedly requested verification of this account, including a signed contract or application, and have received no such evidence. The absence of any verification documentation strongly suggests that this account is erroneous and should be deleted immediately. 

Under the FCRA, 15 U.S.C. 1681i ( a ) ( 6 ), the consumer reporting agencies are obligated to provide the results of its reinvestigation within 30 days. Despite my multiple requests, all 3 has failed to provide detailed results of their reinvestigation process or any documentation supporting the legitimacy of this account. This non-compliance is a violation of federal law and further substantiates my claim that the account is not valid. The account in question is reported as charged off since 2018. According to the Truth in Lending Act ( TILA ), specifically under 15 U.S.C. 1666i, charged-off accounts shou
ld not continue to report new late payments on a monthly basis. The continuous reporting of late payments on a charged-off account is incorrect and misleading, thus violating my consumer rights. 

As a victim of the XXXX data breach, my personal information has been compromised, placing me at heightened risk for identity theft and fraudulent activity. This breach underscores the necessity for XXXX and also Experian and XXXX to handle my dispute with utmost diligence and accuracy. 
Given these violations and the impact on my creditworthiness, I demand the immediate deletion of the disputed JPMCB Card Services account from my XXXX, Experian, and XXXX consumer report. I also request a comprehensive report detailing the procedures followed during the reinvestigations, as mandated by the FCRA. 
I expect a thorough and timely response, with evidence supporting any information that XXXX, Experian, and XXXX intends to retain on my report. Failure to rectify this issue promptly will leave me with no choice but to escalate the matter through legal avenues and regulatory complaints.
Product: Credit card or prepaid card

I entered into a contract with XXXX ( web development company ) and funded a contract with the amount of {$5400.00}. Due to outside circumstances ( delays, poor performance ) we canceled the contract on XXXX. This was consulted by XXXX dispute team and American Express. The balance of the contract was {$2700.00} which we tried to recover on XXXX and via American Express dispute. After multiple attempts XXXX  advised moving to arbitration ( AAA ) with an additional fee of {$290.00} and after a call to American Express on XX/XX/2018, by the customer rep on a recorded call they said not to pay the arbitration cost and American Express will handle the dispute. On XX/XX/2018, I was notified that we lost the dispute citing that the other party on XXXX paid for their portion of the arbitration. The funds in total were distributed to the other party due to the American Express rep. American Express needs to consult the XX/XX/2018 call recording with XXXX where he states that we should not pay the {$290.00} arbitration fee. We seek American Express to credit our account in the amount of {$2700.00} as it was under their advice on a recorded call from XX/XX/2018, that we did not enter into arbitration thereby losing the money we had in our escrow account. This is evidenced by the recorded call and the letter attached from American Express dated XX/XX/2018. We have now opened three disputes with American Express. American Express acknowledged on a recorded call I am in possession of that the call from XX/XX/XXXX exists and to seek 3rd party legal help. Please see attached documents for timeline and resolution from American Express that we dispute. From the previous dispute, American Express acknowledges that they " found we could have more clearly explained how the dispute process works. We apologize for any misunderstanding you may have experienced as a result of this matter I am glad this is a {$2700.00} teachable moment for American Express. If this is such a misunderstanding why will they not release the call to the CFPB and or myself as stated here, " Phone call recordings and/or transcripts, if available, are business records of American Express that can only be provided in response to a lawfully issued subpoena. " American Express knows that they offered the wrong advise even when point blank asking if we should pay the arbitration fee, they then said no on several calls not just the XX/XX/XXXX call. I have been a customer for 14 years, you lost me and everyone I know now. 

American Express references a call constantly as per the two previous complaints yet fails to realize and understand the call in which we spoke to a supervisor was after the cut off date for arbitration which is even shown in the documentation sent from XXXX to American Express for their dispute records.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I sent LexisNexis out a letter asking them to provide the documentation of how and who they spoke to, for them to supply the credit bureaus with a bankruptcy on my credit report. After 50 days and no response I sent out another letter on XX/XX/2020 stating that since they have not provided any details or responded on how they received information of a bankruptcy on my behalf, that they needed to remove it, and share the deleted details to the credit bureaus XXXX, XXXX, and XXXX. Lexis Nexis has not yet responded to either letter in which I have tracking on, so I'm moving on to the next step with this complaint. I also sent LexisNexis a letter telling them to put a Security freeze on my account/report so that no one else can receive any information about myself. Well I just received a letter from a credit union stating that they received information from LexisNexis when that should not have happened because a security freeze was supposed to be put on my account months ago.
Product: Mortgage

My mortgage was transferred from Ocwen Mortgage to PHH Mortgage. Since the transfer I have experienced so many issues. I was set up on a payment plan. I acquired an additional job so I can make the payments. When I sent in the XXXX payment due XX/XX/2019, I was told that they did not receive it. I have called every other day to find out how this issue can be resolved. I was told to send a copy of the receipt of the money orders. I emailed, faxed, and certified returned receipt the receipt. I called and called and was told it was not received. A few days later, I received a letter that an investigation was conducted and they could not find the payment. I called back 4 times a week, finally I was told that I needed to request a copy of the money orders. However, not any representative told me this and if this information was provided, this problem could have been resolved before it went to foreclosure. If fact, i was told that my house would not go into foreclosure because I had contacted them. In XXXX I sent the XXXX payment. 10 days later, I received the money back. When I called I was again told that my situation would be researched. It wasnt until I stated sending certified letters that I received two letter stating the situation was being investigated. When I received my statement in XXXX I contacted PHH to verify the amount I needed to send. It was then that I was told that it was in foreclosure. All I want to do is to pay the amount due so I can move on. They have already messed up my credit because my daughter 's student loan to complete this semester of schooling was due and now my daughter can not receive her grades and will have a hard time paying the balance due so she can return to college. I am a XXXX  Veteran suffering with several illness. This situation has really affected me both physically and mentally. For, the past week I have contacted them requesting a new payment plan and/or the amount that is due. I have not received any information. In fact, when I called on Wednesday I was told that they do not have any record of my loan after I provided them with my address and my social security number. I need some answers and some help asap. I do not want to be added to the veterans homeless populations and I don't want my daughter to be a part of this culture. I contacted the Texas Regional Assistance with Delinquent Home Loans regional office representative, only to get talk to like a child. The only advice I was given is to contact your mortgage company. I have been on hold for up to 2 hours only to get a representative that transferred my call to at least 4 people and offering no advice to solve the problem. I either want to pay what I owe or be put on a plan if the fees are beyond what I can afford. I am waiting to receive a copy of the signed money orders so I can determine if in fact someone from PHH cashed them. I have verified that they have been cashed. Please tell me what I need to do to solve this issue. Its holiday time and I am aspirate to find a soluation.
Product: Checking or savings account

I have XXXX unauthorized transactions on my dasher direct account. dasher direct ( payfare international ) have told me XXXX times this morning on different calls that its apples fault that these charges are happening. 
when i call apple they say that it is not their problem to look into other banks transactions even though its through XXXX XXXX 

dasher direct ( payfare international ) has also told me to contact the merchant ( XXXX ) for a refund... XXXX has also told me that they do not see these XXXX transactions in their system with XXXX XXXX, they said they dont see these XXXX transactions transactions at all actually. 
i really need this resolved as for those funds are for my car note and i CAN NOT afford to pay NFS fees.
Product: Mortgage

United Security Financial is the most deceptive company I have ever dealt with. I have had to contact them about XXXX times in the past XXXX months. Seldom do I get a call back, never do I get a voice mail, they blame there sub-servicing company XXXX XXXX and have me contact them directly. My latest issue is that I paid my XXXX XX/XX/2015 payment on there web site over a week ago ( XXXX ) and yet it does not appear as paid online and the money has not be drafted from my credit union. I called USF and talked to XXXX XXXX on XXXX to inform them of the problem. He indicated he would look into it and get back with me. XXXX days later I have not heard a thing. I submitted an online request asking to have it looked into ( on XXXX ), and no response. This is the pattern for this company which is why I am issuing this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

ACCORDING TO 15 U.S. CODE 6803-DISCLOSURE OF INSTITUTION PRIVACY POLICY, AND ACCORDING TO U.S. CODE 6802- OBLIGATIONS WITH RESPECT TO DISCLOSURES OF PERSONAL INFORMATION. ( b ) OPT OUT ( 1 ) IN GENERAL A FINANCIAL INSTITUTION MAY NOT DISCLOSE NONPUBLIC PERSONAL INFORMATION TO A NONAFFILIATED THIRD PARTY ( TRANSUNION, XXXX, AND XXXX. ) UNLESS- ( A ) SUCH FINANCIAL INSTITUTION CLEARLY AND CONSPICUOUSLY DISCLOSES TO THE CONSUMER, IN WRITING OR IN ELECTRONIC FORM OR OTHER FORM PERMITTED BY THE REGULATIONS PRESCRIBED UNDER SECTION 6804 OF THIS TITLE. ALSO ACCORDING TO THE " GRAMM-LEACH-BLILEY ACT '', FINANCIAL INSTITUTIONS MUST TELL THEIR CUSTOMERS ABOUT THEIR INFORMATION-SHARING PRACTICES AND EXPLAIN TO CUSTOMERS THEIR RIGHT TO " OPT OUT '' IF THEY DON'T WANT THEIR INFORMATION SHARED WITH CERTAIN THIRD PARTIES. UNDER THE FDCPA, A COLLECTOR MUST PROVIDE YOU WITH INFORMATION ABOUT THE DEBT IN ITS INITIAL COMMUNICATION OR WITHIN FIVE DAYS AFTER THE INITIAL COMMUNICATION. ALSO, THE FDCPA STATES, " YOU CAN NOT ATTEMPT TO COLLECT AN DEBT WHILE A PERSON ( THE CONSUMER ) SUPRESS VALIDATION. TRANSUNION, XXXX, XXXX, AND THE ACCOUNTS LISTED BELOW HAVE CLEARLY VIOLATED MY RIGHTS : XXXX ACCOUNT # XXXX, XXXX XXXX XXXX ACCOUNT # XXXX, XXXX XXXX XXXX XXXX  ACCOUNT # XXXX, XXXX XXXX XXXX ACCOUNT # XXXX, XXXX XXXX XXXX XXXX ACCOUNT # XXXX, AND XXXX ACCOUNT # XXXX. FAILURE TO RESPOND SATISFACTORILY WITH DELETIONS OF ALL THE ABOVE ACCOUNTS WILL RESULT IN LEGAL ACTIONS BEING TAKEN AGAINST, TRANSUNION, XXXX, XXXX, WHICH I'LL BE SEEKING A {$1000.00} PER VIOLATION FOR DEFAMATION OF CHARACTER ( PER SE ) NEGLIGENT ENABLEMENT OF IDENTITY FRAUD. 15 USC 1681 VIOLATIONS FOR WILLFUL NONCOMPLIANCE-616 CIVIL LIABILITY FOR WILLFUL NONCOPLIANCE.
Product: Checking or savings account

On XX/XX/2024. I tried to log in my Marcus online saving account. Then I realized my account got hacked and I called customer service immediately. XXXX confirmed my account got hacked and someone transferred {$10000.00} in total without my permission. I noticed the hacked changed me contact information ( Email, Phone Number ) and I never get any alert from the back. The Marcus staff told me the hacked transferred my money on XXXX dates : XX/XX/XXXX, {$3500.00} to XXXX XXXXXXXX, XX/XX/XXXX, {$3500.00} to XXXX, and XX/XX/XXXX. {$3500.00} to XXXX. I called them for XXXX hour and they told me they will get back to me in every 2 days. But I did not get any information back from then until I called them on XX/XX/2024.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX I was contacted by XXXX XXXX and informed that my account was overdue. The account had been set up on autopay previously and there are 10 years of on time payments to show for this. I immediately paid the balance due to the technical error of the missed auto payment and XXXX XXXX removed any associated late payment fee and agreed to pull this from my credit report as it was a technical error. XX/XX/XXXX my credit report is reflecting a 60 day past due balance for XXXX XXXX on XX/XX/XXXX - which does n't add up in the first place because it does not show a 30 day past due in XX/XX/XXXX. In fact, when looking at the attached statements, the charges in question were from XX/XX/XXXX and when you look at the XX/XX/XXXX statement you can see the payment was applied on XX/XX/XXXX, the day I was contacted by XXXX XXXX that this account was overdue and realized the autopayment had not gone through. I was told by XXXX XXXX when I made this last payment on XX/XX/XXXX that this would be not be put on my credit report and that the late fee and interest would be removed. When I pulled my credit report in XX/XX/XXXX I did not see the 60 days late marked on this account for XX/XX/XXXX, however it has now reappeared there and my credit score which had gone back up in  XX/XX/XXXX/XX/XX/XXXX has now come back down again in XX/XX/XXXX. This is the only blemish on my credit report and is directly responsible for the 120 point  decline in my credit score. Upon contacting XXXX XXXX again XX/XX/XXXX about this  issue I was informed that my balance is actually negative, that they owe me money, and yet they are reflecting this as a delinquent account on my credit report.
Product: Credit reporting or other personal consumer reports

I am XXXX XXXX, and XXXX submitting this complaint myself and there is no XXXX  party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the XXXX Bureaus, XXXX, XXXX, and Equifax.
Product: Credit reporting or other personal consumer reports

I recently perused a copy of my credit report. It stated that the source of the credit inquiry was the credit inquiries listed below. However, these inquiries were not approved by me. Please remove these questions from my credit report since they make it harder for me to apply for loans and get credit. Kindly forward any supplementary materials you possess about this inquiry. 
EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This evening, I found inaccurate accounts on my credit report, and I don't understand why. I regularly check my credit report, but this time, there were discrepancies that appeared out of nowhere. I refreshed my browser, hoping it was a glitch, but the incorrect accounts remained. Therefore, I am asking for a thorough review of the documents I've provided to ensure this issue is resolved permanently.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was advised by student aid that my identity was compromise, and use to access my account. As a result, they did suspend my account and currently I do not own a student aid account. I have disputed this information multiple times, and attached the verifying email that was sent to me. 

XXXXXXXX XXXX has not remove these accounts, which came from no transactions, made by me with my Social Security number I have been a victim of identity fraud multiple times.
Product: Checking or savings account

On XX/XX/year>2025 and XX/XX/year>2025 There were XXXX unauthorized transactions posted to my account One for {$210.00} and the other for {$230.00} I did not make these transactions and I have filed a police report ally bank Case number XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a credit card that is reporting to Equifax, but Equifax is not recording it in my file? when I called to XXXX XXXX and ask why they were not reporting I was told that they would look into it, after two weeks I received a letter from XXXX XXXX telling me that they 're investigation saw that they were reporting to XXXX, XXXX, and XXXX, as well as Equifax and that I needed to contact Equifax about why it 's not showing up in their report, when I called Equifax about why it was not showing up on their report ( My other XXXX XXXX card shows up on their report ) I was told to fax over the letter as well as a copy of my statment then given a fax number and that they would take care of it. When I called to check the status 5 days later I was told that the information did n't show up and to give it another week? I then ask to speak with a supporvisor who told me that it was their poloicy to not receive any information & for me to call XXXX XXXX to resolve the issue??? I asked if that was the case than why did they ask me to fax over the information? & why did the last rep tell me to wait another week to allow the information to get there? PLEASE HELP IN ANY WAY THAT YOU CAN XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I COMPLETELY DISAGREE WITH THIS ACCOUNT SINCE THE LAST ACTIVITY OF THE ACCOUNT IS NOT ACCURATE SINCE IT REPORTS TWO DATES AND WITH THE OPENING DATE OF THE ACCOUNT IT REPORTS TWO DIFFERENT DATES, LIKE THE HIGH BALANCE THIS ACCOUNT WAS CLEARED FOR DELETION BUT THE COMPANY DID NOT COMPLY WITH THIS AND IT HAS AN INACCURATE REPORT AS WELL AS THE REPORTING DATE OF THE LAST REPORTING ACTIVITY I DEMAND THAT THIS ACCOUNT BE DELETED FROM MY CREDIT REPORT XXXX  XXXX XXXX ACCOUNT NUMBER : XXXX
Product: Credit reporting or other personal consumer reports

Your continued reporting of accounts linked to identity theft violates federal law. I never authorized these accounts and previously disputed them with supporting identity theft documentation. Enclosed are copies of my social security card and driver 's license for additional verification.
Product: Debt collection

Notice for Proof of Claim Account : SOURCE RECEIVABLES MNG To Whom it may Concern : This is a this complaint is submitted Under OHIO LAW U.C.C 1319.12 Taking assignment of debts States ( C ) No collection agency shall commence litigation for the collection of an assigned account, bill, or other evidence of indebtedness unless it has taken the assignment in accordance with all of the following requirements : Credit contracts are non-assignable even if the contract has a clause for assign ability because it violates contract Law. Where there is no fair valuable consideration given, the contract or agreement is void ab inito. The debt is non-transferable. If it is a contract for credit or goes to the character of the parties, it can not be transferred or assigned. No state can make a law impairing contracts, Under OHIO LAW U.C.C 1319.12 Taking assignment of debts ( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation. The written agreement also shall disclose that the collection agency may consolidate, for purposes of filing an action, the assigned account, bill, or other evidence of indebtedness with those of other creditors against an individual debtor or co-debtors. Dartmouth College v. Woodward 4 Wheat 518 : White v. Hart, 13 Id 646. Once the Creditor w
rites off a debt, it can not be assigned or Collected. Since this is an error I demand that you send me the following proofs. As you are obligated to do in accordance with the Fair Debt Collection Practice Act. Section 1692 ( g ) : Under the Law, FDCPA, Section 1692 ( g ), you have 30 days to supply these proofs, if more time is needed please contact me by certified mail and I will extend you 15 extra days. I also request to see a certified copy of any contract or agreement between you and the original creditor that gave you the right to collect this debt.
Product: Credit card or prepaid card

My credit report is showing an open balance with a credit card that I never opened. I called the bank and they do not have record of that account being mine either
Product: Credit reporting or other personal consumer reports

I have never done business with XXXX XXXX XXXX and XXXX XXXX XXXX. Apparently, XXXX XXXX sold the charged off debt and my personal information without my written consent to XXXX XXXX XXXX have reached out to rectify the issue, and I will like this income removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I woke up this morning to XXXX new inquires on my credit report that I do not recognize all being on the date of XXXX XXXX XXXX XXXX AMEX XXXX XXXX XXXX XXXX XXXX I am not sure if any amounts for I received notifications of new inquires
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute regarding the incorrect items on my credit report. It has been well over 30 days and I have not received any investigation results.