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

In accordance with the Fair Credit Reporting Act XXXX  XXXX XXXX XXXX ( in the amount of {$3000.00} ) 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. 

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX ( in the amount of {$740.00} ) 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. 

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX ( in the amounts of {$500.00} and {$580.00} ) 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. 

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX ( in the amount of {$220.00} ) 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. 

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX ( in the amount of {$120.00} ) 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. 

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX ( in the amount of {$81.00} ) 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.
Product: Credit reporting or other personal consumer reports

I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report, I have identified several significant discrepancies that are not reflective of my actions or financial history. Specifically, these inaccuracies involve accounts I never opened, personal information that is incorrect, and inquiries made without my consent. I kindly request your investigation and removal of the following items : Late Payment : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX Personal Information : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, FL XXXX PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, FL XXXX XXXX ADDRESS : XX/XX/XXXX PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX , FL XXXX PREVIOUS ADDRESS : XX/XX/XXXX CURRENT ADDRESS : XXXX XXXX XXXX XXXX XXXX, FL XXXX CURRENT ADDRESS : XX/XX/XXXX EMPLOYER : XXXX EMPLOYER : XX/XX/XXXX EMPLOYER : XXXX EMPLOYER : XX/XX/XXXX
Product: Credit card

Id like to apologize for being in the position of feeling the need to handle this through the CFPB instead of directly with BOA. They have been more than fair in the last XXXX months since my XXXX XXXX XXXX XXXX accounts have been drained with fraudulent charges and duplicate payments. Since then, I have attempted to pay my bill and re-enable auto-pay from XXXX several times. I previously had difficulty even accessing the site as it refused to send me the XXXX-factor notification required to do so. I most recently was able to cancel and delete auto-pay through XXXX XXXX XXXX XXXX again , reset auto-pay through XXXX, and schedule XXXX replacement payment for the XXXX XXXX XXXX XXXX charge that had been processed but had yet to bounce. This was on the XXXX. So you can imagine my surprise when I received missed payment notifications and phone calls from BOA on the XXXX. I have for the last 3 months, been making a good faith effort to pay my bills, only to find that BOA is again attempting to charge XXXX XXXX XXXX XXXX, that I am somehow being charged a late payment fee from BOA and an overdraft/returned ACH fee from XXXX XXXX XXXX XXXX XXXX yet receiving notifications from neither. This seems to be a recurring pattern amongst several of my financial institutions.
Product: Credit reporting or other personal consumer reports

THESE ACCOUNTS DO NOT BELONG TO ME AND THESE ARE DAMAGING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT BECAUSE THESE ARE PURELY IDENTITY THEFT. 

Account Name : XXXX XXXX # XXXX XX/XX/year> - Balance : {$2200.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a charge off that is on that have no knowledge of. I have disputed this numerous times we no resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Bankruptcy Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : Untitled Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX  {$2400.00} XXXX XXXX XXXX {$3700.00} XXXX XXXX XXXX {$6300.00} XXXX XXXX XXXX XXXX XXXX  {$620.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX {$450.00} XXXX XXXX XXXX XXXX  {$380.00} XX/XX/XXXX
Product: Debt collection

I doesnt to dispute these debt collects. I do not have an account with you guys.
Product: Debt collection

This company is trying to collect a debt owed by someone else. Their own records show the responsible party as " XXXX XXXX '', but they are trying to harass and intimidate me because I purchased some of the assets of XXXX XXXX 's business. I have never entered into a contract with this company and their agent, XXXX XXXX, made repeated threats against me if I did not pay someone elses ' debt.
Product: Credit reporting or other personal consumer reports

in accordance with the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. The accounts below have violated my rights 15 U.S. C 1681 section 602A. States I have the right to privacy. 15 U.S.C 1881 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse tem of information, other than records of convictions of crimes which antedates the report by mote than seven years. 15 U.S.C 1681s-2 ( A ) ( a ) 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.

Delete the accounts below. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX
Product: Credit card or prepaid card

To Chase Card Services XX/XX/XXXX Chase Card Services failed to respond as per my request, causing delay. 

Chase card Services. neglecting On XXXX XXXX I sent letter to Chase Card Services, XXXX XXXX XXXX XXXX XXXX XXXXXXXX I requested Chase Card Service to respond by no later than XXXX XXXX Chase Card Services failed to respond as per my request Im attaching letter sent to Chase Card Services XXXX XXXX XXXX And documents sent to Chase Card Services XXXX 

ATTENTION IM ADDING XXXX DOCUMENT AS PROOF ACCOUNT INACURATE FIX CREDIT REPORT ERROR : MISSED PAYMENT, ON XXXX XXXX, I INFORMED THAT PAYMENT ON CHASE CREDIT CARD ACCOUNT IS INACURATE, BECAUSE I DID NOT MADE ANY PAYMENT BECAUSE ACCOUNT IN NOT MINES To Chase Card Services Dear XXXX XXXX XXXX 

Sent via certified mail # XXXX XXXX XXXX XXXX XXXX XXXX XXXX On XXXX XXXX, I reported account number XXXX and account number XXXX To your office Chase Card Services, and on XXXX XXXX I reported again to your office account number XXXX, account not mines, find enclose letter dated XXXX XXXX Please find enclose XXXXlease Find Federal Trade Commission report dated XXXX XXXX. 

JP Morgan Chase Bank Chase Card Services, letters inaccurate, misleading information being inconsistent. 

On the Chase Card Services letter dated XX/XX/XXXX inaccurate information misleading information and inconsistent to your letter dated XX/XX/XXXX .find letters enclose JP Morgan Bank Chase Card Services inaccurate account, account number XXXX On my credit file on error, Neglecting my credit file. 



I am a victim of identity theft. Account number XXXX at your company not mines. 
I therefore request that it be closed immediately. 

I also request JP Morgan Chase Bank Chase Card Services absolve me of all charges on the account, and that you take all appropriate steps to remove information about this account from my credit files. 

In addition account inaccurate, reporting information on Credit Bureaus Enclosed is a copy of my Identity Theft Report supporting my position, and a copy of my credit report showing the fraudulent items related to your company that are the result of identity theft. 
Also enclosed is a copy of the CFPBs Notice to Furnishers of Information, which details your responsibilities as an information furnisher to credit reporting agencies ( CRAs ). As a furnisher, upon receipt of a consumers written request that encloses an Identity Theft Report, you are required to cease furnishing the information resulting from identity theft to any CRA. 
The Notice also specifies your responsibilities when you receive notice from a CRA, under section 605B of the Fair Credit Reporting Act, that information you provided to the CRA may be the result of identity theft. Those responsibilities include ceasing to provide the inaccurate information to any CRAs and ensuring that you do not attempt to sell or transfer the fraudulent debts to another party for collection. 

Please, close the account and send me a confirmation letter within 20 days by XXXX XXXX Thank you XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attached the below proof and have reported to all 3 credit bureaus with no assistance. There are incorrect inquires, accounts, collections, write offs, addresses, and telephone numbers on my reports
Product: Credit reporting or other personal consumer reports

XXXX {$450.00} XXXX {$120.00} XXXX XXXX  {$180.00} These accounts do not belong to me. I have attempted to resolve this issue of these accounts being falsely being reported on my credit report with Equifax, XXXX, and XXXX, but the credit reporting agencies refuse to correct/update my report.
Product: Credit reporting or other personal consumer reports

I was looking on my credit report and Ive notice unauthorized accounts, I have no knowledge of these account, i did not apply for them I have file a FTC I have sent multiple letters XX/XX/XXXX, XX/XX/XXXX and another one XX/XX/XXXX proof of social security card, proof of address, and proof of residency. Company has yet to update my credit profile which is violating my rights as a consumer
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. XXXX and TransUnion are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and XXXX ( a ) ( XXXX ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX XXXX {$6300.00} ; XXXX XXXX XXXX XXXX XXXX : {$0.00}
Product: Bank account or service

On XXXX/XXXX/2016 My Citizens Bank ATM/Debit card was refused twice - once at a store and once at a parking meter. I called the service number on the back of my card, was told by a service agent that the fraud department had put a hold on my card and was transferred to a fraud department service agent who painstakingly verified my identity before my cell phone call was disconnected. 2 hours later, from home, i called again on my landline, once again verified my identity through numerous numbers, and security questions before being transferred to the card fraud service department where an agent told me I would have to appear at a branch with a photo ID. When i asked why she said my account had been notated. When I asked ( politely ) why she said she could not add further details. I asked to speak to someone who could, was transferred to a XXXX who rudely and belligerently insisted a 'previous caller ' ( surely me ) could not establish his identity. This is untrue - I was the previous caller and I had satisfactorily established my identity. When I insisted my card be unblocked i was told I would be transferred to a manager XXXX I was put on hold for approximately 7 minutes at which time my call was dropped into an unnamed voice message system.
Product: Credit reporting or other personal consumer reports

The debt collector in question has been involved in prohibited practices outlined by the FDCPA, which include abusive, deceptive, and unfair actions. They provided information about an account I never agreed to or signed any agreement for. A legal contract requires the participation of both parties, but I was not involved. Furthermore, they failed to adhere to the proper five-step validation procedure, which constitutes unfair practices. As stated by the FDCPA, I am entitled to compensation of {$1000.00} per violation, and their actions have evidently violated my rights. Also, XXXX XXXX has the debt, not the National Credit Management
Product: Credit reporting, credit repair services, or other personal consumer reports

I settled a debt with a company called XXXX XXXX XXXX XXXX on XX/XX/2018. They proceed to report my balance to the credit reporting agencies as the original balance less the settlement amount rather than {$0.00} as our agreement and the law requires. I am unsure if they did this by mistake or intentionally, but my attorney will follow-up with them when appropriate. 

I filed disputes with all 3 credit reporting agencies on XX/XX/XXXX making sure to submit the settlement letter. XXXX updated it correctly and quickly ( because it is a proper company ) ... XXXX did not update it correctly ( I did not contact them yet, but my attorney will 30 days after the dispute date as I submitted the settlement letter and did not have my credit report updated to the correct information ) ... and neither did Equifax ( which I did contact ). 

I called Equifax and spoke to a representative XXXX in XXXX ( a supervisor ) on XX/XX/XXXX. He proceeded with a line of deceit that goes as follows : ( 1 ) first Equifax claimed my dispute stated I was not the owner of the debt, which is a lie due to my submitting a settlement letter during the process which clearly stated that I was the owner and the debt was satisfied. ( 2 ) then Equifax stated that the letter head did not match the creditor 's name - I explained the creditor ( XXXX ) used an agency ( XXXX ) to collect the debt, and the creditor 's name ( XXXX ) is listed on the document as the current creditor. ( 3 ) after the representative saw that on the document, he then claimed that the last 4 digits of the account did not match their files - I only have 1 account from XXXX   on my report and any mistake on their end is not my problem.

Equifax 's representative was trained to go from one lie to the next in order to retain false information on my credit report. My attorney will be initiating litigation after the 30 day window for disputes is over. In the meantime, I hope this complaint makes it to someone who can do something about it. I am certain this company is committing many violations of the FCRA and other laws, and I pray the Federal government takes appropriate action to civilly and criminally punish this irresponsible company which can not even protect it's own data and carry out its most basic function. 

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

I see inquiries on my report that shouldnt be there there from XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 2021
Product: Checking or savings account

I have been trying to close my father 's accounts after he passed away XX/XX/2016. I have been able to close all the accounts except this one with Citi Wealth Management. Every time I try to submit the documents they request, I am told that there are additional documents needed. I have submitted documents to them on at least ten occasions.
Product: Credit reporting or other personal consumer reports

Requested that EQUIFAX update my consumer report to show ONLY 1 NAME, DOB, AND ADDRESS THAT SHOULD BE ON MY CONSUMER REPORT. should show as presented below. They currently housing more than 3 variations of my name and address and they are all inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the listed account which I believe appears to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
BK OF AMER XXXX Balance Owed : {$2600.00}.
Product: Credit reporting or other personal consumer reports

XX/XX/, I sent a letter to the courthouse asking do the report bankruptcies to the credit bureaus and I got a letter stating, They do not report any bankruptcies to anybody. So, if thats the case. How did the credit bureaus verify my bankruptcy as 100 % Accurate. They never did a fair investigation according to the 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

They also violated my rights numerous times. 

The credit bureaus violated my given rights under 15 USC 1681.

According to 15 U.S.C 1681 section 602 A. States I have the right to privacy.

According to 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.

According to 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: Student loan

Conserv, the organization servicing the DOE loan I took out for my daughter 's college education, had agreed, in writing, to a revised monthly payment of {$260.00}. I authorized automatic deduction for my bank account and the payments were deducted for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. No payment was deducted for XX/XX/XXXX, and when I tries to find out why, I got the run-around, among other things, being referred to a number of different persons who did not know what was going on. When I finally do reach someone with the correct information, I was informed that Conserv had decided to increase the monthly payment to {$300.00}. I had received no correspondence to this effect nor have I received any written justification as to why the payment was increased. Now, they are claiming that I am delinquent on my XX/XX/XXXX payment. They had the authorization to deduct the agree-upon {$260.00}, but chose not to. I suggest that both Conserv 's arbitrary increase of the monthly payment and their classification of the loan as delinquent are improper, and their collection practices should be investigated.
Product: Credit card or prepaid card

In XX/XX/2021 I received marketing material from avant- credit card advertising {$750.00} credit limit credit card that would double in available credit if I made 6 timely monthly payments which I did. 
I requested a credit limit increase just like the advertising material said but was denied. 
After this I waited until month number 8 to request a credit limit increase and was denied, the reason given was that I had applied 30 days earlier, so I called customer service and explained it had been more than 8 months of timely payments and they werent holding their end of the agreement. Nothing was resolved. 
That is why I am submitting My complaint.
Product: Mortgage

There was a discrepancy with a payment I made, where the payment was returned without my consent or clear explanation. Despite fulfilling my financial obligations, the payment was not processed as expected, which has negatively impacted my credit report and led to further complications. Additionally, the original loan, serviced by XXXX XXXX, was securitized and sold to Carrington Loan without my agreement. This constitutes a breach of contract and potential securities fraud. I have requested the promissory note, deed, and chain of title, but these documents have not been provided. The failure to properly process my payment, combined with the unauthorized transfer of the loan and the failure to produce the necessary documentation, has caused significant harm to my credit and financial standing.