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

I asked to have creditfreeze alert removed and received letter saying they renewed the alert for 7 years per my request
Product: Credit card or prepaid card

My account with JC PENNEY was closed by their bank Synchrony. I was a member since 2019. I made my payments on time or paid off early. They first lowered my limit from {$500.00} to {$100.00} base off my credit report.Now ; they closed the account off my XXXX credit report. As of today ; credit score is almost 700 ; not XXXX. I feel discriminated against due to the way they evaluated me as a customer. I could see if I was late all the time or not paying at all ; then, I deserve to be terminated.XXXX was 2 months ago. With them closing my account helped contribute to my credit score being dropped. I have had other credit cards increase my limit just this year due to good payment history. Something is wrong with picture. They obtain my report from XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

-- THIS COMPLAINT IS DONE BY THE CONSUMER AND NOT A THIRD PARTY -- 15 U.S CODE 1681 ( b ) PERMISSIBLE PURPOSE OF CONSUMER CREDIT -- ( 2 ) ( A ) ( ii ) the consumer has authorized in writing ( which authorization may be made on the document referred to in clause ( i ) ) the procurement of the report by that person.

-- ( B ) ( ii ) the consumer shall have consented, orally, in writing, or electronically to the procurement of the report by that person.

-- ( a ) In general. -- Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : -- ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

-- 15 U.S CODE 1681s-2 - Responsibilities of furnishers of information to consumer reporting agencies- ( A ) reporting information with actual knowledge of errors.

-- 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.

-- They do not have my permission to report on my consumer credit report.

-- I Demand it to be removed and every violation of unauthorized information on my report is a {$1000.00} fine ( U.S.C 1681n- Civil liability for willful noncompliance ) -- letters have been sent certified mail and return receipts have been received by me.

( 15 U.S CODE 1681s-2 ) And it is a violation to report something that you have knowledge of being disputed and may be inaccurate. 

-- These following unauthorized inquires are fraudulent and inaccurate information and my permission has not been given orally, in writing, or electronically to report these inquiries on my consumer report and the consumer reporting agency knows or has reasonable cause to believe that the information is inaccurate, and I demand them to be removed : -- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am currently in the process of trying to buy a second home however, when the realtor I am working with pulled my credit report, there were Four accounts that do not belong to me. The account names are XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX. These accounts are not mine ; I did not open them nor did I benefit anything as a result of these accounts being opened in my name such as money, goods, services or any other benefit. I have reason to believe that these accounts belong to my mother since we have the same name. I am and I have had problems like this in the past. I have already notified the companies as well as filed a police report in hopes of having these unauthorized accounts removed from my report because it is very frustrating that I am being held responsible for accounts that aren't even mine.
Product: Credit reporting or other personal consumer reports

I am reaching out to highlight that my credit file includes accounts lacking any historical reporting data. According to the compliance protocol outlined in 15 U.S. Code 1681i, it is imperative that these accounts be promptly removed from my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion has placed another fraudulent medical charge on my account from XXXX for {$400.00}. I am unaware of this charge, the charge does not belong to me, and the charge is fraudulent. My identity and identification had been stolen and used for years, as I have reported to Transunion. Transunion is aware of my identity theft that I reported to them. I do not live in the state in which the charge was placed. I would like for Transunion to remove the {$400.00} charge. I have never had any dealings with the collections. The charge and account are fraudulent. Please remove from my credit report.
Product: Money transfer, virtual currency, or money service

XXXX CFPB compaint XXXX requested Paypal delete my data as my account is closed. Their response claims they " must '' retain records for 10 years. Why then does their website offer the option of data deletion? Either their response is false, or their website is a con. I want my data deleted as would happen if I were able to access the account and select that option through the Paypal website. No game playing. No twisting words. I want confirmation that whatever the " delete my data '' function does has been done. Or I want Paypal to admit this is a fraudulent offering and notify all of its customers to that effect. Obviously since they claim they emailed me and I didn't receive it ( no it wasn't in spam ) this is the only way to address this ongoing issue.
Product: Mortgage

My loan is being serviced by United Wholesale Mortgage. I closed on my mortgage with a temporary buydown that cost about $ XXXX paid by the seller of the property. My first mortgage payment was due XX/XX/2023, but UWM will only accept the full payment and not the temporary buydown payment. I have called multiple times and they confirm I am right, but they don't fix the problem. I don't know what else to do. I would like to make my mortgage payment but UWM has essentially pocketed money that doesn't belong to them, that instead should be used to supplement my mortgage payment for the first 2 years. Please help me!
Product: Credit reporting or other personal consumer reports

My information was sold and bought illegally because I was a victim of the Equifax data breach. I want these items deleted from my credit report effective immediately. I have proof that Equifax has admitted that I was in fact a victim of the data breach and Equifax has done nothing to help me with the removal of these accounts. 


XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I saw that this Netspend card was attached to my XXXX so I decided to use the account again since before the pandemic. Because I did not have the physical card, I asked for a new XXXX so I can start driving XXXX again. 

The automated system verified me using my social security number and PIN of the last card activated. Then when customer service came on the line, they verified me with the same information and then ordered my physical card. They also provided me with a virtual card for online purchases until the physical card arrived. I would then use that to rent a XXXX for driving with XXXX. 

Since it was a while since I used this account, I asked if there were any pending transactions. I was told no so I used the virtual card and transferred some money into the account. Then the next day, I discovered that they placed a block on my account so I could no longer access my deposits. 

In order to have the blocked released, I had to provide copies of my driver 's license, social security card, and proof of address. Which I did reluctantly due to identify theft problems, however, I had been banking with them already so I provided the information. 

On XX/XX/year> they approved my documents and released the block. 

Because I am traveling, my physical card was mailed to my business office and the confidential concierge texted me a front and back image to I can activate it. Once activated I tried to add the new card to my XXXX account but could not. There was another block. 

The customer service rep said they found a pending transaction from a different account so to release the block, I would have to pay the difference, which was {$21.00}, totaling {$75.00}. But since I could not make any transfers due to the block, I had only XXXX option and that is to " LOAD '' my physical card at XXXX. ( See attachments for the recording of this cal The trip to pick up my card and get to a XXXX and back cost me {$50.00} plus XXXX hours but it was the price I would pay to start driving XXXX during the XXXX of XXXX long week. 

After loading the card with the cash to cover the overdraft plus enough to rent a car this weekend. They verified the overdraft was covered however there is still another block. 

To release this new block, they asked me to provide the same documentation as provided and approved on XX/XX/XXXX. I complied because how ridiculous would it be after all this to complain. So, I resubmitted the copies of my drivers license, social security card, and proof of address. 

This time, they rejected the documents. The block is still there. I cant access the deposit I made at the XXXX, I cant drive XXXX. 
I am a retired and dont have a lot of money. I have to drive XXXX to make ends meet, now I dont even have the deposit for investing in the rental, plus I am out {$75.00} plus the {$50.00} from the XXXX trip. This totals {$320.00}. I noticed in the reviews they did the same to a homeless man. They are hurting Americans. See attachment. 

I demanded a closure and the refunding of my account. However, based on the reviews in the attached, I XXXX not receive my deposits for XXXX to XXXX  days, if at all.
Product: Credit reporting or other personal consumer reports

Inaccurate reporting on consumer report confirmed by Bridgecrest and credit reporting agencies, Notice of complete validation documentation request not received ( Request sent XXXX XXXX, including Notice of Dispute of account ) XXXX Notice sent fax and via certified mail XX/XX/XXXX due to no documentation request received. Account status not correctly reported to credit reporting agencies and attempt to collect debt including late fees applied during Dispute status.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Eguifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act CFPA ), 12 U>S>> 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File XXXX. XXXX ) against them for similar violations. I request that the CFPB. 
take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. 


XXXX LA XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX Account # XXXX and XXXX has violated my rights. 

15 U.S.C. 1681 Section 602A states I have the right to privacy.

15 U.S.C. 1681 Section 604A Section 2 also states that a consumer reporting agency can not furnish an account without my written instructions.
Product: Checking or savings account

Since  XXXX  -- -- - I have had savings and a money market accounts at the Citibank, which I opened on  XXXX , Florida. On  XXXX / XXXX / 2016  some unknown person requested at a New York Citibank agency a temporal ATM card. Surprisingly the ATM was given to him, which is against the rules because the bank sends the cards only to the clients registered address. With that card that person obtained a new pin and withdrew, using an ATM machine, {$1400.00} and {$100.00}. Later he withdrew {$9700.00} from inside the Agency. At the time of these fraudulent withdrawals I was in  XXXX , as it could be verified by checking my passport. On  XXXX / XXXX /   2016  the bank returned to my account the money that had been stolen by ATM, but they did not want to return the {$9700.00} that had been withdrawn at the ticket window, adducing that the money had been withdrawn using a debit card. In spite that I sent a legalized statement they never justified on writing the reasons for their denial. I enclose a complete description of this scam I have been a victim from.
Product: Credit reporting, credit repair services, or other personal consumer reports

On ( XX/XX/XXXX  ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Product: Credit reporting or other personal consumer reports

Subject : Disputing Information in Credit Report CCB/ULTA Closed Date XX/XX/year>2024 I have attached an image from XXXX XXXX Below showing the status of this account. Please remove this information from my credit reports as it still shows as a negative factor.
Product: Credit reporting, credit repair services, or other personal consumer reports

This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the XXXX XXXX system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 

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

XXXX Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  -1 XXXX XXXX XXXX  -2 XXXX XXXX XXXX -3 XXXX   Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax Unauthorized Inquiries : 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, credit repair services, or other personal consumer reports

There is a JPMCB account reporting on my XXXX and XXXX consumer reports that is not mine. I was not liable on this account and was only an authorized user. I've sent multiple letters to dispute this item directly with JPMCB, XXXX and XXXX  and they have failed to remove it from my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

My question was not answered. How was the debt validated? Where is the HIPAA authorization? 

On XXXX separate occasions I have reached out to EQUIFAX on XXXX separate occasions ( XX/XX/22 & XX/XX/22 ) to request validation of the alleged debt in addition to HIPAA authorization for the account listed below. 

I have reached out to XXXX on XXXX separate occasions ( XX/XX/22 & XX/XX/22 ) to request validation of the alleged debt in addition to HIPAA authorization for the account listed below. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I have had a lot of fraud hits on a couple of my credit cards, and I believe on one of my debit cards within the last XXXX to XXXX months. 

So, I have had to replace cards, etc. from these issues. These has happened frequently enough, that it has become a little to routine, I received a call from. what I thought was the Chase Fraud Division by a guy named XXXX on XX/XX/XXXX, it was even Chases ' phone number showing on my phone that is on the back of my debit card. They were informing me that there was suspicious activity on my business account in the amount of {$4900.00} from somewhere in New York, I informed them that I have not been in that state, nor did I do a transaction of that amount, so we proceeded to cure the situation. He asked me basic questions that Chase would have asked, I was told that we needed to remedy the fraud by reversing the procedure they initiated. 

So, he led me through to XXXX to set myself up as the recipient for the reverse to work and be applied back. So, I did, thought I was safe, and we proactively caught the fraud. He said he would call me on Friday XX/XX/XXXX at XXXX am to confirm everything, He called at XXXX or a little before and said that they had the amount wrong, but it would only take a second to correct and the funds would be fully replenished. 

He said we needed to redo the same procedure in the correct amount of {$500000.00} and that was the only hold-up. Of course, it seemed odd, but I was extremely concerned because it was my business account and the level of money that was at stake. So, we did the same procedure again, after it was done, I felt sick in my stomach as I hung-up and I immediately called Chase back XXXX verify it was indeed them, that was a call I will not soon forget. It was fraud. I called Chase Fraud Dept. several times and then went to my Chase bank branch for help as well. I gave them all the information and contacted XXXX XXXX where the money went and opened a case. Also contacted XXXX for help on their end, and a police report filed. This has turned out to be a very elaborate fraud. 

They had the Chase bank number ghosted on my phone showing the back of my cards Chase number. Even when I called them back, they had an elaborate Chase Fraud Department of their own. I got fraud cases set up with each entity. 

They are all just passing the ball around and even blocking the Fraud Detective for the XXXX XXXX Police Department and the other banks are dealing with this same fraud and I am amazed at the apathy I have encountered. I am just going through the pushing and pressing process to find the underlying cause of this fraud and how to retrieve my funds, and depending on my bank of 13 or more years. 

Again, this has mirrored a well-run and highly organized scamming machine. My bank has completely dropped the ball in any real pursuit to solve the fraud and cooperate in some true investigation to help. I am convinced they have spent more time with their legal team to work against me than anything else. Please Help! 

Thank you!
Product: Checking or savings account

On XXXX, XXXX, 2022, a total of {$94.00} was taken from my account by a service I wasnt provided from XXXX. I contacted the bank in regards to this action and they asked for proof which was provided. I didnt file anything through XXXX XXXX
Product: Debt collection

Company name Portfolio Recovery Debt was through XXXX XXXX XXXX This company served me papers in XX/XX/XXXX. I called them and set up a payment plan. Which was never drafted. They sent me papers in the mail a month to 2 ahi XXXX or XX/XX/XXXX. These papers threaten to take any assets I had to cover my debt. I told them I had set up a direct draft payments in XX/XX/XXXX. They told me that the payments never came out that my bank wouldnt allow them. They said they have this issues like a security issue. I set up direct draft with them again. The payments arent being taken out again even with giving bank information and consent. I worry if my bank really is not allowing them that its a faulty company or they just arent really trying to take them to try to take all the money at once or my assets. I assume Ill be getting more legal threats in the next few months.
Product: Debt collection

Convergent Outsourcing , Inc XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX, WA, XXXX To : The Office of Registered Agent for Convergent Outsourcing , Inc . 


From : XXXX XXXX Regarding : Unauthorized Administration of the XXXX XXXX You will forthwith return and transmit your written evidences of your delegated authority to represent that you and XXXX are authorized to administrate ( acting trustee ) on the XXXX XXXX, together with a certified copies of signatures contract between you and XXXX XXXX, you and original creditor, bonds, original creditor Charge-off documents, sureties, indemnification, insurance and any Third Party Debt Collector Association Agreement passing XXXX XXXX private information to other members, possibly resulting in identity thief. Also, relating information to your personal and professional acts referenced above and your arrogated paperwork intrusion upon the XXXX XXXX. Courts require your contract for jurisdiction. 

Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act.Also you have committed the following FDCPA Violations : 806. Harassment and abuse 807. False or misleading representations 808. Unfair practices 809. Validation of debts Stop contacting me about this or any other matter you have. I also submitted this letter to theConsumer Financial Protection Bureau ( CFPB ), My State Attorney General Office and The XXXX XXXX XXXX. You have 15 days from the date of this letter to respond with all items requested or remove this item must be removed immediately or I will seek litigation forMonetary damages. Also be advised any medical records shared without my consent is a violation of my privacy and HIPPA. 
Please remove all unauthorized, fraudulent accounts promptly within four business days of receipt pursuant to 15 USC 1681-c-2 & 12 CFR 1022, Regulation V, to prevent further legal proceedings. I have already contacted the respective companies as well and please be reminded, no consent is identity theft. Thank you! 

I swear under penalty of perjury that all of the above mentioned information is true and accurate. 

By : XXXX XXXX