23daVinci/CFPB_Complaints huggingface dataset:
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 unde

r 15 USC 1681. Account Name XXXX XXXX XXXX Bankruptcy Account Number:XXXX  Account Name : XXXX  Account NumberXXXX 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 th

an 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: Mortgage

Mortgage Modification completed XX/XX/XXXX, signed docs and submitted to bank. This was a fixed rate for first 5 years then rate increases almost a point per year for the next 3 years ( Stepped rate ). Less than 30 days later bank sent a new contract with same rate but fixed for 30 years and told me I had to the choice to keep the current or go with the new contract that was provided in XXXX XXXX. Second set of docs were signed as it was a better deal offering fixed rate for 30 years ( no brainer ). The same 30 year fixed rate contract was submitted to XXXX XXXX NJ as official record. XX/XX/XXXX I received a letter explaining my 5 year fixed rate lock would expire XX/XX/XXXX and rate would increase by a full point. I explained my situation that the signed contract I have from XXXX XXXX is the one that Chase bank said was the one in force. 4 weeks later ( XX/XX/XXXX ) Bank said they were not going to honor the XX/XX/XXXX contract ( Fixed ) and only use the XX/XX/XXXX ( Stepped ). They also told me this is what they decided and that there was nothing I could do about it and would not allow me to talk to any supervisors as it is a done deal. 
Please also note they raised my rate XXXX XXXX XXXX instead of what on the stepped contract of a XXXX XXXX XXXX execution date. 
Chase has come up with so many poor excuses for not honoring the contract I have, also I always get a different story on why they are going with the XXXX contract but no reason why they ca n't honor the XXXX. 
Please help me get JP Morgan Chase honor the contact that we agreed to 5 years ago
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

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




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 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

A collection company named Portfolio Recovery Association has been harassing me with calls about a debt collection in the amount of {$450.00}. I havent done any business with this company and I have no contract with them. I would like them to stop the harassment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was recently notified during a Federal Security Clearance Investigation that I had an unpaid healthcare bill of {$42.00} on my credit report from 2017. I have not been notified of any unpaid bills in these 3 years. The number listed on the report was XXXX.No other information was listed so I don't know who is reporting that I have {$42.00} unpaid. I would like further information on this so that I can resolve any discrepancies. Thank you.
Product: Credit reporting or other personal consumer reports

I have some hard inquiries that has been on for while
Product: Checking or savings account

My account received a wire transfer from a client for the payment of goods. XXXX days later the client received said goods in exchange for the funds previously sent. A week later I was notified by email that I had an unauthorized money transfer on my account and due to this my account will be frozen and closed in XXXX  days. Over the next XXXX days myself and my local branch XXXX provided each document requested by the bank to activate the account. We were told all we could do now was wait for letter from the clients bank showing the cancellation request. We contacted loss prevention each day for the next week looking for updates and there were none provided. Almost a week later on a call with loss prevention we were notified there was never a cancellation request in place. That we sat around for a week waiting for something that was not coming nor confirmed and that the previously spoken to loss prevention XXXX had essentially made it up. Just received an email that the account will be frozen for another XXXX weeks due to needing more time for their investigation. Funds will continue to be frozen due to their investigation who has all necessary evidence to release funds. Instead they continue to hold funds and cause emotional and physical stress of not being able to run my business efficiently without these funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX now XXXX XXXX  XXXX XXXX XXXX is affecting my credit scores since they informed that I have 3 months in past due after being affected by natural disaster. I completed my 3 months moratorium after the Covid19 started. I started paying my loan as soon as the moratorium ended. I have never pay late this mortgage during 14 years. When I visit the bank in two times with appointments they told me that they are going to check since on their computer they don't have late payments reflected. Then why my score drop down 75 points in one week and when I checked it was them reporting late payments.I visit them on XX/XX/2020 and one employee told me that she was going to pass the information of my claim to a supervisor but she did not give me a case number or a phone to call for follow up. They never answer the phone and is only an answering machine. Please help!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX  ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXX closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

On XXXX XXXX, I mailed to Experian via XXXX certified mail, a letter and other related documents regarding they open an investigation on my credit report. The documents consisted request for validation of Accounts XXXX XXXX XXXX  XXXX and XXXX and notification of identity theft accounts XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX # XXXX and XXXX XXXX XXXX XXXX XXXX. The identity theft report also included inquiries. 

The documents were delivered to Experian on XXXX XXXX, XXXX, in XXXX TX. 

To date, I have not received any information related to the above information and report.
Product: Credit reporting or other personal consumer reports

My XXXX loans are still appearing on my credit reports ( Experian and XXXX ) as active. These loans were discharged through PSLF and I received notice of this discharge on XX/XX/2023. It has been a significant time since this, including the arbitrary XXXX days stated by XXXX, and there is no reason why these are still appearing as active loans on my credit report. 

I have contacted the company multiple times and have not been able to get a coherent reason as to what is happening and why these loans are still on my credit report. 

I would like these accounts closed and loans removed from my credit report immediately.
Product: Credit reporting or other personal consumer reports

I am writing to inform you about a very alarming and important issue regarding the compromise of my social security number, which has resulted in me being a victim of a data breach and identity theft. To address this situation promptly, I have already contacted the Federal Trade Commission and filed an FTC Report with the reference number : XXXX, which is enclosed with this correspondence. 
In accordance with 15 USC 1681c-2 c ( a ), it is imperative that you, as a credit reporting agency, take immediate action to block and remove all information associated with this identity theft from my credit report. This statute mandates that credit reporting agencies must promptly address such requests within four business days of receiving a complaint that includes the following information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I want to emphasize the gravity of this matter and my expectation for a prompt and effective response. Failure to respond satisfactorily will compel me to pursue legal action against your agency, as allowed under the law. Please be advised that I will seek damages, including but not limited to, statutory costs, with each violation incurring a statutory cost of {$1000.00}, as specified in 15 U.S.C 1692k. 

1. Defamation of Character 2. Negligent Enhancement of Identity Fraud 3. Violation of the Fair Credit Reporting Act 4. Violation under 15 U.S. Code 1681o - Civil liability for negligent non compliance 5. Violation under 15 US Code 1681n ( b ) - Civil liability for willful non-compliance 6. Failing to comply with 15 USC 1692 ( g ) 7. Violation under 15 U.S. Code 1681b Permissible purposes of consumer reports 8. Under 15 U.S.C. 1681i ( 7 ) Method of verification 9. Violations under 15 USC 1681 a ( 4 ) right to privacy 10. Violations under 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports
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. 

XXXX XXXX XXXX, XXXXXXXX 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 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 : collection XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

I have a home equity loan with : TD Bank XXXX XXXX XXXX XXXX XXXX, Nj XXXX XXXX XXXX XXXX : XXXX I plan my budget and pay my mortgage payments when money is available. 

On XX/XX/2022, we paid our mortgage in the amount of {$2400.00} The check cleared on Saturday XXXX XXXX. 

On XX/XX/2022, the payment still has not posted. 

I have called the mortgage department numerous times. They claimed in their system the payment was 'lost '. The research department is currently trying to 'find ' it. 

This is the 6th time in 3 years. 

The bank appears to be unable to process checks for mortgage payments. Per tellers, the process is very confusing. But it requires a customer to be vigilant always and check to ensure the process has cleared. 

All the while I am subject to interest on something I paid for 5 days ago.
Product: Debt collection

I had a credit card that was charged off. Portfolio Recovery Associates LLC, bought the debt. They have never provided any information proving they have a contract with me and that I owe them anything. I've requested from their attorney the following documents : 1. Forward flow Agreement 2. Chain of Assignment 3. Purchase Agreement 4. Insurance Claim of Debt 5. My signature Agreeing to Pay. My request was ignored. The attorney didn't show up to court the case was dismissed and his motion to reopen was denied. They refuse to remove the collection from my credit report.
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an accounts passed on that should be taken out or Block. Per FCRA you are expected to delete this accounts.I 've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Hi, my name is XXXX XXXX and I have a collection of {$230.00} dollars that I received on my mail. I think theres a misunderstanding about this bill! I did received the first notice about my phone bills that I was already paid on the phone call with one of the XXXX customers! I cant remember when did I made the payment but I assume it was two month ago! I really want to know where did this payment go and why am I received another collection notice, please help me fix this problem cause I dont know where do go and how to fix it! Thank you so much
Product: Debt collection

The manager XXXX was verbally abusive to me and bullied me on the call when I was trying to work out my account. He questioned me on things unrelated to this debt and was degrading. I just wanted to work out a resolution on my account.
Product: Credit reporting or other personal consumer reports

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the EXPERIAN and XXXX Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 
XXXX XXXX Balance Owed : {$100.00} XXXX XXXX XXXX Balance Owed : {$260.00} XXXX XXXX XXXX XXXX Balance : {$5200.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/21 XXXX XXXX XXXX pulled my report from XXXX XXXX then the same company XXXX XXXX XXXX XXXX XXXX same company ) pulled a hard inquiry under XXXX XXXX on XX/XX/21. This company pulled my credit twice less then 30 days under two different 3rd party companies - one under XXXX XXXX and the other under XXXX XXXX. This has resulted in two hard inquires on my Experian, XXXX, and XXXX  credit reports. One pull was authorized the second pull was not authorized.
Product: Mortgage

International Mortgage & Finance Group processed an FHA loan with XXXX XXXX  for my mortgage. On the day of closing I was provided with the closing documents on the day of closing XX/XX/18 which denies me of the 3 day look and it also included cost of {$1100.00} for points reduction on my credit that was not disclosed to me. My original score was used when errors on my credit were removed and my score increased to XXXX. I was charged a rapid credit rescoring of {$150.00} and was never provided a copy of the report although it was requested. {$110.00} was refunded after the closing as the processor explained that the credit bureaus made an error in the report and only XXXX XXXX was reported, this was never given to me. I spoke with the bank and the mortgage processor on the day of closing requesting refund of the cost for credit points that they applied without my consent but they refused.
Product: Debt collection

I spoke with a supposed manager name XXXX XXXX in which I explained to her that her collector violated the fdcpa by not verifying who she was truly speaking with by law you can not verify a consumers identity by address alone she must verify a consumer by the last 4 numbers of there social security number. At any address there may be multiple people with same name. There may be a junior or senior with the same name and sometimes a father and son may have the same name and not be a senior and junior. The representative then said she will give me the last 2 numbers of my ss # and gave me XXXX as the last 2 numbers and asked me for the preceding 2 numbers I refused and she gave them to me instead and divulged all my info without a proper verification. XXXX XXXX reviewed the notes on the file and the representative improperly notated account as well a second violation of the fdcpa. I was supposed to receive a call back from XXXX XXXX days ago after speaking to her manager and never received that call ... I have called in 5 times today and asked to speak with XXXX XXXX and several people in your organization all said they were managers. At this time I will be making a complaint with the FTC and the Secretary of State and contacting an Attorney to file suite
Product: Credit reporting, credit repair services, or other personal consumer reports

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

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

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

Subject : Request for Removal of Inaccurate Charge-Offs Dear Sir/Madam, I am writing to formally request your assistance in removing inaccurate charge-offs from my credit report. I have noticed that there are reoccurring charge-offs listed, which I believe to be erroneous. The details of the accounts in question are as follows : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  -Action by Company : Sold my information and debt to collections without my acknowledgment and consent. 

These charge-offs have been reported multiple times inaccurately, and I believe this is affecting my credit report unfairly. I have already contacted the credit bureaus and the creditors involved, but the issue remains unresolved. 

I kindly request that the Consumer Financial Protection Bureau investigate this matter and assist in correcting my credit report by removing these inaccurate reoccurrences. Enclosed are copies of my credit report highlighting the discrepancies, as well as any correspondence I have had with the credit bureaus and creditors. 

Thank you for your prompt attention to this matter. I look forward to your assistance in resolving this issue. 

Sincerely,