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

I been paying on my accounts with XXXX XXXX XXXX and on time and more money to pay my XXXX XXXX off, my end loan personal loan down, and I been paying to get my credit card back down and I have disputed after dispute and i have emailed and mailed y'all company CFPB about all three credit bureau 's wasn't reporting right and Equifax still not reporting my credit right because out of all my dispute to Equifax my credit XXXX XXXX XXXXXXXX have received all the disputes from all three credit bureaus and Equifax felled to update all two loans and my credit card payments and now this is XX/XX/2021 and Equifax isn't updating my payments for my credit score to go higher and I just paid off two collections that was reported on my credit report and no changes. I want Equifax to get my credit report reporting correctly and update my credit score. I will be emailing or uploading documents from XXXX XXXX XXXX XXXX and from the collection agency to show I have paid them off and I also paid the XXXX XXXX with XXXX XXXX XXXXXXXX off it was {$240.00} now it's XXXX owe.
Product: Debt collection

I have attempted three times by certified mail to attempt to gain validation of this debt starting XXXX/XXXX/2016. I have yet to receive a response from this company as of XXXX/XXXX/16. I have verified receipt of all correspondence was received. While waiting for a response and doing research on the company I developed the fact that this company is not bonded as should not be conducting business with the XXXX bureaus and doing business in the state of Texas. I notified XXXX of this discovery by certified mail as well and I was told to reach back out to the company and all they could do is report what the company has given them. XXXX did not perform a thorough investigation as I requested in my letter. I advised XXXX that they are reporting inaccurate information that could not be validated. To no avail, the inaccurate information rests on my credit report with no validity.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing an account from  XXXX  that was a paid off and company agreed to remove the close account which   XXXX   and  XXXX  have removed but transunion keep coming back as verified. I have sent proof to transunion that the account have been removed from the others to please follow suit and they have not complied
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 U.S.C 1681 and 15 U.S.C 6802 for which I did not receive the required opt-out notice at the time you created the account that is being reported. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 an 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.

15 U.S.C 6802 ( b ) ( 1 ) States : A financial institution may not disclose nonpublic personal information to a nonaffiliated third party 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, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.
Product: Debt collection

Hi LVNV FUNDING / XXXX XXXXXXXX ; Im confused and stressed and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, Federal Adjustment Bureau Inc, 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 an account without my written instructions. This organization has failed to provide a validation letter with a signed contract. A contract must be presented not an itemized bill. The company is not compliance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ) Many items on my credit report are listed inaccurate among the three credit bureau agencies. As a victim of identity theft I have reported several alerts to my credit bureau accounts. Please provide SSA-FORM 89 in addition to the sign rental agreement and/or contact information. A ledger without a signature is not a form of verification.
Product: Debt collection

I consumer XXXX XXXX reviewed a copy of my credit report and understand that Collection Management Services is violating my rights by trying to collect an alleged debt that they are trying to defame my character by placing it on my credit report. You have every right to this alleged debt but I did not give you permission to have my personal information. I will not continue to allow my right as a consumer to be violated. Under 15 USC 1692, I have laws that protect me as a consumer. This company has violated these laws and I am demanding a remedy and deletion of this account. 15 usc 1692 a ( abusive practices 15 usc 1692b communication by post card 15 usc 1692 c communication 15 sc 1692d harrassment 15 usc 1692e false or misleading representations 15 usc 1692 f unfair practices
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Georgia XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing this letter in regards to the following accounts which are showing up on my credit report : XXXX XXXX Charge Off Account, XXXX XXXX Charge Off Account, XXXX XXXX XXXX  XXXX Charge Off Account, XXXX  XXXX XXXX Charge Off Account, XXXX  XXXX Charge Off Account, XXXX XXXX Charge Off Account, XXXX XXXX Charge Off Account, XXXX XXXX XXXX XXXX XXXX Collection Account, XXXX XXXX  XXXXXXXX XXXX XXXX  XXXX XXXX XXXX Collection Account, XXXX XXXX  XXXX XXXX Collection Account XXXX XXXX XXXX XXXX  XXXX Collection Account, XXXX XXXX XXXX Collection Account, XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX Collection Account, XXXX XXXX XXXX XXXX Collection Account, XXXXXXXX XXXX XXXX XXXXXXXX Collection Account, XXXX XXXX XXXX XXXX Collection Account XXXX XXXX XXXX Collection Account, XXXX XXXX XXXX Charge Off Account, XXXX XXXX XXXX XXXX Charge Off Account, XXXX XXXX XXXX Collection Account, Medical  XXXX Collection Account, and Medical XXXX Collection Account. 

I am disputing the accuracy of these accounts on my credit report as I believe they violate several laws, including the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and the Truth in Lending Act ( TILA ). 

Furthermore, I do not recall any outstanding debts associated with the above accounts. Additionally, the addresses listed on some of these accounts are not my current or previous addresses, further raising concerns about the accuracy of these accounts. 

I urge you to investigate these accounts and provide me with a detailed report of your findings. If you are unable to prove the accuracy of these accounts, I request that you remove them from my credit report immediately. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Mortgage

I am once again writing to CFPB about ongoing changes to my account. 
First, let me say that I have been paying this account from the beginning and more recently, although we are in a financially destructive pandemic, I have not missed one payment. I have still paid the full amount of my monthly bill, and at times paying over the required amount. With this said I am still incredibly inundated with added fees.

Second, I have always paid my own property taxes and home owners insurance. I have written and provided Select Portfolio Servicing, inc. with the required documents requested. Although this document is on file at Select Portfolio Servicing , inc, I am still being charged a monthly fee to pay property taxes. I have also not lapsed in my homeowners insurance even when switching to a better insurance servicer. When the residential taxes and insurance are paid by me, the fees are not taken off. This has been happening for years.

Third, a Select Portfolio Servicing, inc. representative went so far as to divisively pay my property taxes even though Select Portfolio Servicing , inc. has on file that I pay them myself. When Select Portfolio Servicing, inc. found that the XXXX XXXX department would not return their duplicate payment, Select Portfolio Servicing, inc. charged me the unreturned payment.

Fourth, I am consistently charged other fees that are not explained on any billing invoice.

Fifth, I am being charged a fee that fluctuates each month I make a payment and appears as a late fee. This fluctuating fee is posted although I have paid and continuously paid from the beginning, on the last day of the month. I GET THIS FEE EVEN AFTER CONSISTENLY PAYING DURING THIS PANDEMIC AND HAVE NOT MISSED ANY PAYMENT.

Sixth, when I pay extra on the monthly payment it seems to vanish and I do not see any of the extra payment listed. But Select Portfolio Servicing, inc. fees are always posted and clear without explanation. 
Please see all previously attached documents as this is an ongoing issue. 
Awaiting Your Response, XXXX XXXX, Physicist/Instructor Retired Account # XXXX XXXX
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 XXXX XXXX XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 an 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 or other personal consumer reports

I hope this letter finds you well. I am writing to express my deep dissatisfaction and frustration with the recent experiences I have had while attempting to open accounts with your institution. Despite multiple efforts, I have encountered numerous issues, delays, and errors that have severely inconvenienced me. 

To provide some context, I initially decided to open accounts with XXXX  XXXX and XXXX XXXX XXXX based on your institution 's reputation for excellence in financial services and the attractive account offerings you have. However, my experience has been far from satisfactory. 

I made my first attempt to open an account, and it was met with an unexpected delay. I patiently waited for the process to be completed, but after several weeks, I received notification that there had been an error, and my application was not processed correctly. 

Following this initial setback, I decided to give your institution another chance and submitted a second application, I encountered a similar delay and frustration, with communication from your institution being sporadic at best. 

Not willing to give up, I made a third attempt to open an account. Unfortunately, this experience was marked by further confusion and delays, causing me significant inconvenience and distress. 

I believe that every individual deserves a smooth and efficient process when trying to open a financial account, and my experiences with XXXX XXXX and XXXX XXXX XXXX have fallen far short of this expectation. The repeated delays and errors have not only wasted my time but also damaged my confidence in your institution 's ability to handle my financial matters competently. 

In light of the above, I kindly request that you take immediate action to rectify this situation. I expect a prompt resolution to my account opening process, with clear communication throughout. If there are any specific documents or information required from my end, please let me know at your earliest convenience so that we can expedite this process. 

Furthermore, I would appreciate it if you could investigate the causes of these issues and take steps to ensure that other potential customers do not face similar problems in the future. 

I trust that Credit Bureaus values its customers and their satisfaction, and I hope this matter will be addressed with the utmost urgency. If this issue is not resolved promptly and to my satisfaction, I will be left with no choice but to explore alternative banking options.The Credit Bureaus should correct the following late open accounts : XXXX  XXXX XXXX Balance : {$2300.00} ; XXXX XXXX XXXX XXXX Balance : {$440.00}.
Product: Credit card

In early XXXX, XXXX  I moved from XXXX  to XXXX  after a near XXXX. The lack of oxygen caused slight XXXX XXXX and XXXX XXXX. Thus, I am unable to use the phone. I reached out to my credit card company, TD Bank requesting them to update my address and phone number. I sent numerous letters via US Mail to the customer service addresses listed on their website. They will not respond to replace my card or to close my account if they do not want to issue me a new card. 

After falling in the lake, I was in a XXXX XXXX XXXX for XXXX weeks. I no longer have access to my old number after it was disconnected and I was transferred to XXXX  for XXXX XXXX. I would like this account updated so I can use it, or closed immediately.
Product: Credit reporting or other personal consumer reports

I HAVE SUBMITTED PREVIOUS DOCUMENTS TO TRANSUNION AND THERE IS SOME INFORMATION THAT IS NOT RELATED TO ME. AS I HAVE NEVER AUTHORIZED IT TO BE ON MY CREDIT REPORT. I HAVE SUBMITTED POLICE COMPLAINTS AND REPORTS OF IDENTITY THEFT. AS I WAS THE VICTIM OF IDENTITY THEFT AND THERE WAS INFORMATION THAT WAS USED TO MISUSE MY CREDIT. I HAVE REQUESTED PREVIOUSLY THAT THERE BE SOME INQUIRIES THAT WERE NOT AUTHORIZED BY ME AND A XXXX ACCOUNT THAT REPORTING ON MY CREDIT REPORT. I HAVE REQUESTED BEFORE TO DISPUTE AND DELETE THE INFORMATION THAT YOU ARE REPORTING IS WRONG. I AM SUBMITTING MY APPLICATION AGAIN TO DELETE THE INQUIRIES AND THE CREDIT REPORT THAT YOU ARE REPORTING IS WRONG AND INACCURATE.
Product: Checking or savings account

XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX  XXXX XXXX, IA XXXX Dear Sir or Madam : In XX/XX/XXXX Out of the blue JP Morgan Chase arbitrarily closed my account. This was after my mother is a XXXX survivor who is over XXXX years old and for whom I have a general power of attorney and take care of her bill paying was questioned about a transaction. She is also XXXX  XXXX. 

I have reason to belief that a mentally disturbed family member for whom I have an order of protection initiated this situation. This individual has ben harassing me and other members of my family for a considerable amount of time. 

The bank initially was satisfied with her response. However within 2 days they closed the account of a XXXX year old XXXX XXXX person. 

Soon after for no reason my account was closed as well. I tried to reach out to the corporate offices of Chase and make great effort to find out what happened and to restore my account as well as my mothers but I was unsuccessful. In addition the people I spoke to were not only unhelpful bu exceedingly rude. 

I should add that I have had an account with Chase since XX/XX/XXXX and took care of my ailing father before he passed away for over 25 years as well. I am now taking care of my mother for over 28 years. 

I went so far as contacting a prominent Television reporter who was interested in doing a report on what happened. 

I have since managed to open an account at another bank but this week I had reason to go to a branch of Chase regarding another issue and a manager using my That is a very serious unsubstantiated accusation and given this information I have no choice but to submit this complaint. 

I have no interest in having an account again at a disreputable bank like Chase but I can not and will not accept or tolerate a derogatory accusation be associated with my name. 

I hope that my complaint will hAve the desired effect of removing this derogatory unsubstantiated accusation be removed from my name. However. I will not let this unfair matter stand and Chase ought to know that I have already retained an attorney and will if necessary hold Chase responsible and liable all damage i have incurred now And in the future Enclosed, please find the letter from Chase stating that they were closing my mothers account and a similar letter was received by me too. 

Also please find a letter from her Doctor stating that she is XXXX  XXXX. 

Thank you. 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

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 . I looked at my XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 they are supposed to 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 or other personal consumer reports

The XXXX XXXX is reporting these inquare without my authorization, I also do not recognize these credit applications with any of these companies, I request that they be removed immediately from my credit profile under the fair credit law which the credit bureau Can you give this information if my person does not authorize, thank you 8inquiries These lenders have accessed your credit file : XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX Inquiry date XX/XX/XXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX  Inquiry date XX/XX/XXXX XXXX XXXX  Inquiry date XX/XX/XXXX XXXX XXXX  Inquiry date XX/XX/XXXX XXXX XXXX  Inquiry date XX/XX/XXXX The XXXX company is reporting these inquare without my authorization, I also do not recognize these credit applications with any of these companies, I request that they be removed immediately from my credit profile under the fair credit law which the credit bureau Can you give this information if my person does not authorize, thank you. 

2inquiries These lenders have accessed your credit file : XXXX XXXX Inquiry date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXXXXXX XXXX XXXX