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

This is my numerous attempt to inform you that I am a victim of identity theft and that I am complaining about certain entries in my documents that have arisen as a result of the crime. The documents I'm questioning have nothing to do with any transactions involving goods, services, or money that I've made or approved. Assuming no one cares, remove any material in my credit report that was obtained through alleged fraud or extortion. XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX  XXXX XXXX, CA XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX  XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00}.
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. 

Account name : # Santander consumer # XXXXXXXX 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 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 card

JP Morgan Chase Credit Card has violated my rights as an federally protected consumer. 
A Charge off is considered a certificate of indebtedness.and also is considered income. Income can not be reported to my credit report. 

( a ) The Secretary of the Treasury may borrow on the credit of the United States Government amounts necessary for expenditures authorized by law and may buy, redeem, and make refunds under section 3111 of this title. For amounts borrowed, the Secretary may issue ( 1 ) certificates of indebtedness of the Government; and ( 2 ) Treasury bills of the Government.

( b ) The Secretary may prescribe conditions for issuing certificates of indebtedness and Treasury bills under section 3121 of this title and conditions under which the certificates and bills may be redeemed before maturity. Notwithstanding section 3121 ( a ) ( 5 ) of this title, the payment date of certificates of indebtedness and Treasury bills may not be more than one year after the date of issue.

( c ) Treasury bills issued under this section may not be accepted before maturity to pay principal or interest on obligations of governments of foreign countries that are held by the United States Government. 

The Privacy Act of 1974, as amended, 5 U.S.C. 552a, establishes a code of fair information practices that governs the collection, maintenance, use, and dissemination of information about individuals that is maintained in systems of records by federal agencies. A system of records is a group of records under the control of an agency from which information is retrieved by the name of the individual or by some identifier assigned to the individual. 

The Privacy Act requires that agencies give the public notice of their systems of records by publication in the Federal Register. Click here to see a list of DOJ systems of records and their Federal Register citations. The Privacy Act prohibits the disclosure of a record about an individual from a system of records absent the written consent of the individual, unless the disclosure is pursuant to one of twelve statutory exceptions. The Act also provides individuals with a means by which to seek access to and amendment of their records, and sets forth various agency record-keeping requirements.
Product: Credit reporting or other personal consumer reports

15 U.S. Code 1666b - Timing of payments U.S. Code Notes prev | next ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date. 

( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than XXXX  days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge. 

( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card

Dear Synchrony Bank Attn : Three Major credit bureaus I am writing to formally dispute the recent reduction in the credit limit of my Amazon account ( ending in XXXX ), from {$10000.00} to {$6500.00}. This action has been taken based on alleged delinquencies or derogatory marks on a real estate secured loan, as stated in your correspondence among other factors. I must assert that this is a clear error, and I request an immediate investigation and reinstatement of my original credit limit. 

For approximately XXXX years, I have maintained this account with consistent, automatic scheduled payments. The claim of any recent derogatory status on my real estate secured loan, as cited in your letter, is incorrect and not reflected in my credit history. To substantiate my position, I have enclosed the following documents : A current copy of my yearly credit report obtained from XXXX that your company referenced, clearly shows no delinquent or derogatory marks on any of my real estate secured loans. 

Bank statements and canceled checks from XXXX XXXX XXXX, demonstrating consistent and timely payments for the period mentioned in your letter. 

Additionally, I would like to highlight that I have XXXX real estate loans, both of which are current, with no issues of delinquency. Enclosed are the documents about both loans, affirming their good standing. 

Given the evidence provided, I respectfully request the following : A thorough review of the decision to reduce my credit limit on the Amazon account ending in XXXX. 
An immediate correction of any inaccuracies in your records, especially regarding my real estate loans. 
A reinstatement of my original credit limit of {$10000.00} on the Amazon account, as the reduction appears to be based on incorrect information. 

This unwarranted reduction in my credit limit has adversely affected my credit score and caused significant inconvenience. I trust that Synchrony Bank values accuracy and customer satisfaction and will act swiftly to resolve this matter. 

I appreciate your prompt attention to this issue and look forward to a resolution that reflects the accurate status of my financial commitments. 

I also humbly request that the CFPB publish this description on consumerfinance.gov so that others can learn from my experience. 

Thank you for your time and understanding. 

Sincerely, XXXX XXXX.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the following accounts XXXX XXXX XXXX account number : XXXXXXXX XXXX XXXX XXXX account number : XXXX XXXX XXXX XXXX account number : XXXX XXXX XXXX XXXX account number ( s ) : XXXX & XXXX XXXX XXXX  XXXX & XXXX XXXX has violated my rights. 15 USC 1681-602A states I have the right to privacy. 15USC 1681-604A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. I am not liable for these debts, I do not have a contract with these collections, and they did not provide me with the original contract as I requested. Under 15 U.S. code 1681b Permissible purpose of consumers reports, I have NEVER given you written notice and consent to report ANYTHING on my consumer reports. As a consumer by law this account must be deleted, or late payments must be deleted immediately, or I will seek monetary compensation damages in small claims court in my state and city. The letter will also be sent to XXXX  and Attorneys General Office and Federal trade commission. 15 USC 1681 ( a ) this company is in violation of my rights to privacy and information I want to be private that is posted on my report is a violation. Infringed upon my right of privacy, there are so many errors of FCRA violation, this account is unverifiable and inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've contacted the credit bureau and each company regarding the inquiry showing on my credit report with no progress. I've requested proof that I consented to these inquiries only to be told I have to wait 2 years for them to fall off. These inquiries are hurting my credit score.
Product: Credit reporting or other personal consumer reports

I need to know that why chase Bank ( JP Morgan Chase XXXX has allowed to carry XXXX  activity at " XXXX XXXX XXXX XXXX, CA XXXX '' to XXXX XXXX, the owner. She is running a commercial institute " XXXX XXXX XXXX XXXX '' at this residential address. They do healing, yoga, and sell commercial merchandize, like reversible Candle, reversible oil, reversible incense, and other healing items at this location. The manager of the business is " XXXX XXXX XXXX '' who carries all these commercial activities. " XXXX XXXX XXXX '' and " XXXX XXXX XXXXXXXX XXXX '' were sued and served at this address. ( Please see the proof of service attached ) XXXX XXXX- the owner ( Deed is attached ) knows about it. Why Chase Bank ( JP Morgan Chase ) is allowing commercial activity at a residential place? 

Title report of the house attached. 

Please take an action and cancel the mortgage of " XXXX XXXX XXXX XXXX, CA XXXX '', otherwise all News Channel and media houses will be reported about this. 

If the house gets damaged or burns down due to commercial activity, JP Morgan chase will be responsible.
Product: Credit reporting or other personal consumer reports

Delete XXXX XXXX XXXX in accordance with the Fair Credit Reporting act 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 ( XXXX XXXX XXXX ) I DID NOT COMPANY WRIITEN PERMISSION TO REPORT ACCOUNT. MY RIGHTS HAS BEEN VIOLATED Improper use of my credit report shared without my consent reporting company used my report improperly
Product: Money transfers

I was supposed to the rent paid by Money Gram in the month of XXXX 2015. The rent was late, and I contacted the renter, and she informed that she sent in by XXXX. She contacted Money Gram and they informed that the check was cashed by an unknown person that stole the check that was in the mail. She contacted the local police department. The check was CLEARLY adulterated and Money Gram cashed the check. Now, Money Gram refuse to refund the funds stolen, and is charging {$35.00} per page of the police report to open the investigation.
Product: Student loan

1. I was never notified that any interest would be accruing in between forbearance periods. I have never been notified when a forbearance period was ending, only when a new one was beginning. 

2. On XX/XX/XXXX, I spoke with a Mohela representative and it was explained to me why some interest had accrued earlier between XXXX and XXXX of XXXX ( again, without any notification that interest had been accruing ). I asked if any more interest would be accruing, so that I can stay on top of my account, and I was assured that NO interest would be accruing between then ( XX/XX/XXXX ) and XX/XX/XXXX. 

3. After checking my account a few days ago ( XX/XX/XXXX ), I see that the interest has continued to accrue and is almost double the amount that had accrued by XX/XX/XXXX. I, again, received no information by email or phone that any interest would continue to accrue. 

4. I have also waited for multiple hours on multiple occasions to try and speak with a Mohela representative only to be placed on hold and transferred to wait for even more time.
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. US DEPT ED XXXX {$300.00} DPT ED/XXXX XXXX {$300.00} XXXX XXXX XXXX   XXXX {$80.00} XXXX XXXX {$7300.00} XXXX XXXX {$5900.00} DPT ED/XXXX XXXX {$6800.00} DPT ED/XXXX XXXX {$22000.00} DPT ED/XXXX XXXX {$18000.00}
Product: Prepaid card

I have 4 incomm prepaid visa cards. I've attempted to use them in-store and they would decline. When I called customer service, they said the cards are compromised and new cards need to be sent out. However, in order to do this, I have to submit receipts. Even though I have the physical cards, they still require receipts which I don't have. I have 4 card that have a balance of XXXX each. I'm requesting help to get these cards replaced.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit the FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in blocking the erroneous information that is being posted to my report. Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$640.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$59.00} XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1600.00} XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$640.00} XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XXXX XXXX {$1600.00} XXXX  XXXX Balance : {$640.00} XXXX  XXXX Balance : {$1000.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX
Product: Credit card or prepaid card

I am writing to dispute an account fraudulently opened in my name. I am a victim of identity theft and did not open this account .I also am a victim of the XXXX  , XXXX XXXX XXXX and XXXX data breach. State issued ID have been compromised and my social security has been compromised.  My postal mail was being forwarded out of state where theft of my personal information took place. 
I am not responsible for any charges made to these mentioned accounts.
Product: Credit card or prepaid card

A payment lateness was reported to the Credit Bureau and this was entirely not my fault. 

Due to Covid-19, wait time on telephone banking was over an hour and I was unable to contact customer service. My second option of payment was using the BBVA app, but that was not working either and I had notified customer service previously and nothing was done about it. 

When I contacted to explain my situation, they said I should have gone to the bank to make payment, and I had let them know my husband had just returned from the XXXX XXXX and we were all advised to quarantine. And with XXXX children, that was a very difficult time. 

I asked them to refuse the late payment report on my credit report and I made all payments, and they refused. I just need them to take responsibility for the app not working and the over 1 hour call waiting which made it difficult for payments to be made.
Product: Debt collection

My name is XXXX XXXX. I have received countless phone calls from XXXX XXXX XXXX over the last few months. It shows on my caller ID as telemarketer, and the calls have become more frequent daily, so today on Friday XXXX of XX/XX/year> I decided to figure out who this is that keeps calling me. I spoke with a man named who identified himself as XXXX with F.H Cann and Associates and when I asked if he is with a debt collection agency, or a debt collector he told me no. I thought I miss heard him so I asked him to repeat himself and he confirmed he is not with a debt collection agency. I dont understand how he can misrepresent himself like that, I took the time to google XXXX number to find out he lied to me and XXXX XXXX and XXXX XXXX a debt collector. XXXX frustrated and concerned as to what other unethical tactics this company practices if lying about their identity is standard
Product: Debt collection

Separate and aside from criminal conduct as set forth and explained within the correspondence annexed hereto as Exhibit " A '', Duane Morris LLP ( " Attorneys XXXX XXXX '' ), the latter 's employee XXXX XXXX XXXX XXXX " Attorney XXXX '' ) in conspiracy with XXXX XXXX ( " XXXX '' ), XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX ( " XXXX '' ), XXXX XXXX XXXX ( " Attorneys XXXX '' ) and others, are evading my demands and request made pursuant to the Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S.C. 1962 ( g ) ) ; N.J.S.A. 12A:3-308 ; the Real Estate Settlement Procedures Act ( RESPA ) ( 12 U.S.C. 2605 ( e ) ) and the Truth in Lending Act ( TILA ) ( 15 U.S.C. 1601 et seq. ) ; and 15 U.S.C. 7021 ( f ). 

Furthermore, as set forth within my communication to be forwarded to the foregoing parties that is annexed hereto as Exhibit " A '', along with Exhibits B through I that are also enclosed hereto and explained within my communication submitted herein as Exhibit " A '', Attorneys XXXX XXXX and the latter 's employee Attorney XXXX on behalf of XXXX and XXXX submitted false - forged evidence to the CFPB on XX/XX/XXXX constituting violations of 18 U.S.C. sections 1001 and 1343. 

Specifically, the foregoing parties continue to misrepresent that I defaulted on my mortgage loan as of XX/XX/XXXX, while omitting and concealing the first foreclosure action set forth default as of XX/XX/XXXX with no payments made thereafter through XXXX XXXX, and I tendered approximately $ XXXX in payments with approximately $ XXXX being cashed, non of which I am being given credit for as explained within my communication annexed hereto as Exhibit " A '' and displayed within Exhibit " G ''. 

In closing, the conduct set forth above, explained within Exhibit " A '' and displayed throughout Exhibits " B '' through " I '' that are also enclosed hereto, constitutes continued engagement in unfair, deceptive, and unlawful practices by the foregoing parties in violation of consent judgments entered in the U.S. District Court for the District of Columbia on XX/XX/XXXX in Case No. XXXX and Case No. XXXX on XX/XX/XXXX.
Product: Checking or savings account

I paid a person I thought was a mechanic for services through cash app. I submitted proof of texts showing I was stood up and repairs were not fixed/finished. I submitted additional correspondence. I requested funds back from the other party. Cash app opened a dispute and closed it advising not enough evidence. I asked what additional information was needed and attempted to submit more screen shots. Correspondence states dispute in process. However reflects closed. I requested all documents to support the determination of the dispute and provided my email address to submit to me. Cash app is refusing to allow me to speak with a rep. There is no correspondence/proof of my complaint I opened for my request and they have refused my request which does not seem legal.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

When getting a auto insurance quote they pulled the XXXX . report from Nexis Lexis. Nexis Lexis shows that I have had two auto accidents in the past five years in XXXX. Here is the issue though I have been in XXXX for the past five years and haven't been back in XXXX. As well the truck involved in both of the wrecks is my dads truck and he was the driver in both wrecks. Yet they show the accidents under my reports and his reports. Pulled my DMV record which is clean and offered to send that into Nexis Lexis. They said they will look into the record and dispute the claims but nothing may change and they will don't want me to send my DMV report. They also did not confirm if they actually pull records by the SSN or DL number. As well they do not audit their information or check that they are searching the correct records. Have told them to dispute the findings and they have done nothing on the reports or looked into the matter. This has been going on for four years now and they will not correct. Currently seeking legal action against them for inaccurate reporting against a person, and unwillingness to audit or look into the report.
Product: Payday loan, title loan, personal loan, or advance loan

The company charging $ XXXX for a {$1500.00} loan taken out XX/XX/XXXX. The payoff is XX/XX/XXXX for {$800.00} which I will struggle to pay. All of the payments are going to interest instead to the principal. 
I have extended the loan but want to pay it off.
Product: Credit reporting or other personal consumer reports

This is purely identity theft. I do not recognize these accounts. They are damaging my good credit reputation! 

In accordance with the Fair Credit Reporting act. These accounts have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



XXXX XXXX XXXX XXXX XXXX XXXX REMOVE THESE IDENTITY THEFT ACCOUNTS ASAP!!! 

I will never stop filing complaints against you because I know my rights! 

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

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

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.