23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I recently filed a complaint against Chase for closing my credit card which they responded back that they did based on a recent credit report pole however I just looked at my Chase credit report and they reported it as a settled account which is inaccurate. So not only did they close my paid off account they are now reporting it as if I settled it and paid less than the actual balance which is not true. I paid that card off in full with no settlement ajnd I would never have wanted it closed as it was a long-standing credit card with Chase This has not only hurt my credit report for the closure but now it is showing as a settlement and Chase is reporting this wrong. This is false information and Minimally I would like it fixed on my credit report But ideal situation would be for them to reopen my card as I was current on the card and had just paid it all.
Product: Credit reporting, credit repair services, or other personal consumer reports

I 'm a victim of identity theft and took information and opened up account Comenity capital bank account
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS is required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 

CHILD SUPPORT ENF AGXXXX XXXX Balance : {$0.00} ; U S DEPT OF EDXXXX XXXX XXXX XXXX {$33000.00} ; U S DEPT OF EDXXXX XXXX Balance : {$38000.00} XXXX XXXX XX/XX/ XXXX XXXXXXXX XXXX XXXX
Product: Debt collection

Wakefield & Associates are on my Credit Report as a collector for services provided by XXXX XXXX XXXX related to a hospital visit on XXXX/XXXX/21. The hospital reports a XXXX BALANCE on my account and does not recognize XXXX XXXXXXXX XXXX as a vendor. 
I requested an itemized bill from Wakefield & Associates.
Product: Debt collection

I have never signed any contract with this company. This company is violating HIPPA laws by disclosing to credit reporting companies medical information for collection.
Product: Debt collection

First the original contract was with XXXX XXXX since than there has been 3 debt buying collection agencies that have harassed me in regard to a debt I don't owe. Previously I sent this to you this in regard to XXXX XXXX XXXX now it's been sold to ZION DEBT HOLDINGS who has been calling and texting me back-to-back for a debt 1st they never sent validity of the debt. I have disputed this debt with XXXX, XXXX and XXXX it was removed from XXXX however now this new Debt company has this on my credit report. as if this is a new debt. First, I don't owe them anything. I have advised Zion holdings that this contract ended in XXXX. I have this affecting my credit report and I can't move into apply for credit for a new house due to this. This account is out of the statute of limitations. and this company is harassing me. I have written letter after letter to the 3 reporting agencies for them to keep telling me Updated with no contract ....
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 Account # XXXX, Account name : XXXX Account # XXXX, Account name : XXXX Account # XXXX, Account name : XXXX XXXX Account # XXXX, Account name : XXXX XXXX XXXX Account # XXXX, Account name : XXXX Account # XXXX.Account name : XXXX XXXX XXXX Account # XXXX, Account name : XXXX XXXX Account # XXXX, Account name : XXXX XXXX Account # XXXX, Account name : XXXX XXXX XXXX XXXX XXXX Account # XXXX , Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX, Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX, Account name : XXXX XXXX XXXX XXXX Account # XXXX, Account name : XXXX Account # XXXX, Account name : XXXX XXXX Account # 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 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

Dear CFPB, I am seeking help, my rights have be violated as per 809.Validation of debts Credit Reporting Act ( FCRA ) , 15 U.S.C. 609 and Fair Debt Collection Practice Act ( FDCPA ) 809 ( B ) by Transunion & XXXX  regarding the reporting by XXXX XXXX XXXX. I sent a letter of validation in response to the letter notice of payment by XXXX XXXX XXXX. Transunion & XXXX  has NOT conducted a proper investigation. Transunion & XXXX  failed to properly respond to my letter with specific request for method of validation and has since now to put erroneous and inaccurate information on my credit report. XXXX XXXX XXXX has failed to report to XXXX  that this matter is in dispute prior adding it onto my credit report and by law can not pursue any credit reporting agency until the matter is resolved. Transunion / XXXX  & XXXX XXXX XXXX has not legally validated this debt as per required by theFair Debt Collection Practice Act ( FDCPA ) 809 ( B ). A credit card statement is not a legal validation of debt as It is Not A CONTRACT. XXXX XXXX XXXX has failed to produce any contract or ownership or legal assignment / transfer and or legal affidavit purchase of the debt. Transunion & XXXX  failed to properly obtain any such agreement in its investigation while clamming the account was verified by a " Statement page '' Reporting it as actual fact. Seeking Interest of fees without a contract is a violation of the FDCPA. Reporting inaccurate information is a violation as per Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 609 and Fair Debt Collection Practice Act ( FDCPA ) 809 ( B )
Product: Money transfer, virtual currency, or money service

I was unable to link my PNC account to my XXXX account. This is unacceptable in the modern age. I should have freedom to use applications such as these to conveniently process transactions.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of fraudulent accounts and inquiries from my credit file. I am a victim of identity theft due to a data breach, and the accounts and inquiries listed below were not authorized by me. As per 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have such fraudulent information removed. 
Fraudulent Accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1500.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$80000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$350.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$350.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$52000.00} XXXX. XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} Unauthorized Inquiries XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Mortgage

We were charged loan amount points we never discussed or agreed upon totaling 2.546 % of the total loan, {$11000.00}
Product: Checking or savings account

There were 4 transactions made on my Chime that I disputed and provided info that I did not authorize these. Chime concluded that they will not be giving me my money back. I am very upset.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXXXX/XX/XXXX RE : NOTICE OF DISPUTE Dear Oliphant USA

I am writing to request validation of a debt that you are attempting to collect from me. I am receiving harassing emails from your agency, even though I have never done business with you.

Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq., I have the right to request and receive validation of a debt. This means that you must provide me with certain information about the debt, including : The amount of the debt The name of the original creditor A complete payment history Documentation that I agreed to pay the debt Documentation that you have the authority to collect on the debt Please provide me with the following information : A copy of your state license, including license number, that gives you rights to collect in Virginia The name of the person who validates debts at your agency A copy of the audit trail for the debt, including the complete payment history Documentation that I agreed to pay the debt I am also concerned about the harassing emails that I am receiving from your agency. The FDCPA prohibits debt collectors from harassing or abusing consumers. Sending harassing emails is a violation of the FDCPA.

I demand that you immediately stop harassing me and that you provide me with the validation information that I have requested. 

In addition to the FDCPA, you may also want to mention the following laws in your complaint : Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. : The FCRA prohibits creditors and debt collectors from reporting inaccurate information to credit bureaus. If you believe that XXXX XXXX XXXX has reported inaccurate information about your debt to a credit bureau, you can file a dispute with the credit bureau and/or file a complaint with the CFPB. 


Thanks, XXXX XXXX
Product: Mortgage

While building house, lender offered misleading seller credit for $ XXXX. When reviewing possible loan terms, they are egregiously higher than the prime rate offered by other companies effectively nullifying their offer
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid off my American Honda Finance account in XX/XX/2017 as obligated. The company placed a late payment of 30, 60 or 90 days when that was not the case. The disparaging information works to my detriment. I am requesting that American Honda Finance immediately remove the negative reporting from my XXXX records.
Product: Credit reporting or other personal consumer reports

Reinvestigation Complaint Letter to CFPB XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Complaint Regarding Unresolved Credit Report Disputes Dear CFPB, I am writing to file a formal complaint against TRANSUNION regarding unresolved inaccuracies on my credit report. Despite multiple disputes, the items listed below have been repeatedly verified without proper evidence, in violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681i. 
Disputed Items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX not my account no acknowledgment of this account i filed a ftc report as well for identity theft XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX identity theft I provided my birthday is XX/XX/XXXX they have XX/XX/XXXX I have requested detailed explanations and evidence of the verification process from the credit bureau, but have not received satisfactory responses. This continued verification without proper evidence is damaging my credit profile and hindering my financial well-being.

I request the CFPB 's assistance in ensuring that a thorough investigation is conducted and that the credit bureau provides the necessary documentation to verify the accuracy of the disputed items. If the information can not be verified, I request that these items be removed from my credit report according to FCRA, 15 U.S. Code 1681i.

Thank you for your assistance in resolving this matter. 
Sincerely XXXX XXXX XXXX
Product: Debt collection

On XX/XX/2019 I mailed a letter, through USPS Certified Mail, to Portfolio Recovery Associates, LLC, which they received XX/XX/2019, and explained that the account they are reporting is due to Identity Theft. Ive also included FCRAs Notice to Furnishers of Information and they still ignored it and from my understanding the are breaking the law  by continuing reporting this fraudulent account to credit bureaus. They updated my credit report with the following remark ; Dispute Resolved : Customer Disagrees on XX/XX/2019. This is a fraudulent account and Portfolio Recovery ignored my Identity Theft letter and are currently still reporting on my crdit report for {$170.00}.
Product: Credit reporting or other personal consumer reports

Loans and or charges against my information which are not mine. Also discovered the address they are using to take out loans/charges is not mine either. I have disputed with all 3 creditors. I also have XXXX and XXXX XXXX ( disputed on these as well. ) XXXX XXXX XXXX of {$1200.00}. XXXX shows this was opened in XX/XX/XXXX. Not mine. I have disputed this numerous times. These account was opened under a false address that does not belong to me either. 

XXXXXXXX XXXX XXXXXXXX, Opened balance of {$270.00}. XXXX XXXX shows this account was opened XXXX XXXX. This account is not mine. I have disputed this numerous times. This account was opened under a false address that does not belong to me either. 

I have disputed the address that these accounts are assigned to. Never lived at the address that these are associated with.
Product: Credit reporting or other personal consumer reports

I recently disputed this account in XXXX of 2024 and I received notice that you have updated my account. I would love to know how you completed this investigation because I am aware of several still existing inaccuracies. This should not be the case after your investigation has been completed. One account that has been previously disputed is still reporting inaccuracies after your investigation. How is this possible? I am very interested to learn how your investigator ( s ) arrived at this erroneous conclusion. I would like to see a complete list of all documents and correspondence. Please include all names and contact information of employees that you spoke to as a part of this investigation. Clearly, you just pushed my dispute through E-Oscar because you could not have read this dispute and continued to report against the FCRA. The FCRA states that ALL information must be COMPLETE, VERIFABLE, AND ACCURATE. This account is not any of the above adjectives. Please delete this erroneous account immediately! 

XXXX XXXX with account # XXXX Delete this erroneous account IMMEDIATELY! 
Collection account from XXXX with account # XXXX - Delete this erroneous account IMMEDIATELY! 
XXXX XXXX XXXX Auto Loan with account # XXXX - Delete this erroneous account IMMEDIATELY! 
XXXX XXXX XXXX XXXX Credit Card with account # XXXX - Delete this erroneous account IMMEDIATELY! 
XXXX XXXX Installment account with account # XXXX - I have never been late or missed payments on this account! Provide me provide me with records of all payments made or missed on this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX client, XXXX XXXX is a victim of identity theft. She was notified of an application submitted to Capital One for a XXXX XXXX credit card without her consent. An inquiry was made into her XXXX, XXXX  and XXXX credit reports XX/XX/2018. Also an application for a XXXX/XXXX   account was submitted and an inquiry was made into her XXXX, XXXX and XXXX credit reports XX/XX/2018. While no accounts were established the inquiries are still being reported to the credit bureaus. Official disputes of these activities were provided to each organization ( XXXX XXXX XX/XX/2018, XXXX/XXXX XX/XX/2018 ) and as of this date, neither have provided an update as to the status of the investigation of these matters. This is a violation of FCRA and my client 's consumer rights.
Product: Credit reporting or other personal consumer reports

In XXXX I opened a XXXX credit card. And XXXX i defaulted on that credit card. The three major credit bureaus conveniently do not show any historical data from XXXX or XXXX. This account should have been removed from my credit report already. I have repeatedly asked for that information and no investigation has happened.
Product: Bank account or service

Wells Fargo in XXXX MN. XXXX XXXX XXXX ) over road my signature on a refund escrow check and decided to give my ex-husband half. Which he was not entitled to by our divorce decree. Wells Fargo in XXXX XXXX then excepted the other half as a deposit and entered my account without my knowledge. XXXX XXXX is a very good friend of my ex-husband and ex-brother in-law. Either XXXX XXXX did not give the full story to her boss or she was not given the full story. They did have a way to contact me and were trying to get away with theft and forgery.
Product: Debt collection

XXXX XXXX Changed their mind on what the amount of the bill. Due to no fault of my own, XXXX decided to increase this bill significantly since the initial bill. The initial bill was approximately {$1500.00}. Once it was realized that insurance was not filed ( even though we gave insurance at intake ) I filed insurance which jumped the price to nearly double to XXXX XXXX The bill came back 2 times to give the XXXX $ ( still far off from the initial bill ). When I told XXXX to remove my insurance from the account to give me the initial bill, they refused. 
The medical initial intake notes did not reflect my symptoms, issues, and discussions that I had with intake personnel, doctors, nurses, and other medical personnel. Once they were made aware of the situation on what had to be added and changed. Once I contacted XXXX, Some were corrected and modified, however some issues, complaints, problems, symptoms, and causes are still not documented either at all or correctly. This will lead to issues later with XXXX getting proper compensation from XXXX. Since this was related to my XXXXXXXX XXXX just 2 days prior to my arrival at the hospital. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX has indicated to me that they have not received all of the information requested from the providers of care. When I called the hospital to verify what, if any, information, notes, and/or documents were sent. I also requested the date it was sent. They refused to give this information to me either by phone, through email, or in person. And would not verify that they received a request from XXXX to send the information. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, as long as the documentation about the visit was accurate and complete ( which it is still not ). In addition the medical provider needs to provide the requested information to XXXX, which XXXX has not received as of this moment. XXXX will not allow me to provide them medical records, documents, or information and it must come directly from XXXX.
Product: Credit reporting or other personal consumer reports

The Fair Credit Reporting Act 15 USC 1681 section 602 it is needed to insure that consumer reporting agencies exercise their responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. " XXXX and XXXX are consumer reporting agencies and I'm the consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of it's customers and to protect the security and confidentiality of those customers nonpublic personal information. ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other in accordance with the written instructions of the consumer to whom it relates. The financial institution and the consumer reporting agencies XXXX and XXXX do not have my consent. Any and all consent to XXXX, XXXX, whether it be verbal, non-verbel, written, implied or other wise is revoked. 15 USC 6802 ( b ) ( c ) states that " A Financial institution may not disclose nonpublic personal information to a non affiliated third party unless the consumer is giving an explanation of how the consumer is giving an explanation of how the consumer exercise that nondisclosure option. Never was I informed of my right to exercise my nondisclosure option. Not only that 15 USC 1681c ( a ) ( 5 ) states Except as authorized under subsection ( b ), 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 conviction of crimes which antedates the report by more than seven years. " This account is an adverse item they are reporting again with out my permission which is against the law. 15 U.S. code 1681s-2 ( a ) ( 1 ) A states " 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 code 1681 e states " Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681 c of this title and to limit the furnishing of consumer reports to the purposes listed under section reports to the purposes listed under section 1681 b of this title. XXXX and XXXX are not maintaining reasonable procedures, also 12 CFR 1016.7 states that A consumer may exercise the right to opt out at any time. I am opting out of your reporting services. Put what you think would be a fair resolution to the issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

on my equifax report i have an item in collection from XXXX XXXX XXXX XXXX for {$200.00}, the date opened is unclear ( approx 5 years ). i have asked this agency numerous times to supply me with a original contract signed by me with their agency for a few years now and still i have not received this document. i dispute this item with equifax numerous times and they keep stating the item was verified by XXXXXXXX XXXX i disputed this item again in XXXX and received the results today XX/XX/2019 from equifax and again they stated XXXXXXXX XXXX  verified this information is correct by me contacting equifax by phone. i asked the first equifax representative XXXX ( id # XXXX ) if she could supply me with the documentation XXXX XXXX   supplied equifax to prove this item belonged to me, fcra states all items on a person 's credit report is supposed to be verified by the cra by an original signed document from the company. XXXX stated she could not supply this information, only the outcome of the dispute. i again asked how did equifax verify the information and she stated she didn't know. i asked for a supervisor or an american representative. i was transferred to an american representative XXXX ( id # XXXX ) and asked for the same information i asked the previous representative. she stated she couldn't give me any information how equifax verified the account with XXXXXXXX XXXX or who i could contact to get a copy of the information ( original signed contract ) XXXX XXXX sent to verify my dispute. i than informed this representative it is against the law to put unverified information on my credit report and i would like it removed. she stated she couldn't help me and i was going to file a report. i also explained that because of the false information the cra could be sued.