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

I do not understand why and how the Credit Reporting Agencies are even able to continue reporting the fraudulent accounts and information on my Credit File. On XX/XX/XXXX, I sent a dispute letter to the Credit reporting Agencies requesting that they investigate and remove the accounts and information from my Credit File that resulted due to fraudulent activities. However, I happen to check my updated Credit Report and was shocked to see that despite my efforts, the disputed items are still being reported. I demand the Credit reporting Agencies to send me copies of proof of verification or any documents giving these items the rights to exist on my Credit Report. Under the protection of the Fair Credit Reporting Act section 605b, the Credit Reporting Agencies are required by federal law to remove the accounts and information from my Credit File that resulted due to fraudulent activity and yet the Credit Bureaus still indicated the disputed items on my Credit file without properly verifying the items ' accuracy. Onace again, I need the following items removed completely from my Credit File without any excuse nor exception : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$1700.00} XXXX XXXX Balance : {$1100.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XX/XX/XXXX. I demand the Credit Reporting Agencies to send me copies of their so-called " investigation '', that is if they conducted any at all. In the event that the Credit Bureaus are unable to provide these documents within the time allowed by law ( 30 days ), I expect nothing but immediate deletion of the disputed items from my Credit File.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXXXXXX Balance Owed : {$1200.00} XXXX XXXX Balance Owed : {$31000.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$400.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian and XXXX Documents Enclosed
Product: Credit card or prepaid card

XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Phone # ( XXXX ) XXXX XXXX, TX XXXX XXXX # Synchrony Bank ( PayPal Credit # XXXX ). 
In regards. Case No. XXXX for {$1500.00}. I purchased an item that turned out to be a forgery. I used the card issued by Synchrony Bank ( PayPal Credit # XXXX ). I asked PayPal to assist me in returning it to get my money back as per their money-back guarantee policy because I couldn't contact the seller and he no longer has a shop. PayPal refused to send me a printable shipping label so that I could print it and return the item. However, they sent me the seller 's address in XXXX and asked me to return the shipment to him with my own money, which I did, and after a month, the shipment was returned to me because the address they gave me was incorrect and they refused to compensate me. I called customer service seven times, and the hold times were unreasonably long and inexcusable for more than XXXX hour and XXXX minutes at a time, repeatedly transferring my call. There are numerous reasons for my dissatisfaction with unprofessional customer service that provides no solutions but insists on keeping my money.
Product: Credit reporting or other personal consumer reports

I've been trying for the past three days to remove a security freeze from my account. I have used the web portal and made numerous calls to the consumer service lines. I am consistently told that the freeze has been lifted, but when my mortgage broker goes to pull my credit report it is still showing as frozen.
Product: Checking or savings account

I have never had a personal account with these banks. 
I believe that I am a victim of fraud and/or identity theft. For the past two years, the thieves have made my life a living nightmare. Performing 'normal ' financial activities have been an uphill battle and I am writing to dispute the following items on my credit report maintained at your bureau. 
Each of the accounts and transactions I dispute were opened and made by someone with a similar name as me or someone pretending to be me. I never authorized, used, or benefited from these accounts or transactions in any way. 
Please validate this information with XXXX Bank and provide me with copies of any documentation associated with this account bearing my signature. In the absence of any such documentation bearing my signature, I ask that this information be immediately deleted from the file you maintain under my Social Security Number.
Product: Mortgage

On XX/XX/XXXX we, XXXX Title Agency notified Popular Mortgage XXXX XXXX of an unreleased lien affecting the title of a home that is for sale. Unfortunately the seller did not get us the information until XX/XX/XXXX. Because the loan dept was already closed that day and inquiry was put in but not " accepted '' until XX/XX/XXXX. We were told on XX/XX/XXXX that we would have a response within 5 business days. I called on XX/XX/XXXX, believing that to be the third business day, but was told that they were n't counting Friday the XXXX. I was told at that time we should have something between 3 to 5 business days. I called back on the XXXX whcih would be the fourth business day based on their calculations. I was again told that nothing has been done, but XXXX whom I was speaking to, was nice enough to put an email out to the specialist assigned to the inquiry number. During this call, I was disconnected, called back and was able to speak directly to XXXX again. 
Today, XX/XX/XXXX, I have called 8 times. I have been hung up on 7 of those 8 times. I have only been lucky enough to get someone on the phone 3 of those times. The first time, I was n't even able to get the girl 's name before she hung up on me. Then I was hung up on by XXXX ( I am not sure of that spelling ) and now I am currently talking to XXXX XXXX also not sure of spelling ). I have asked XXXX to put me through to a supervisor several times and she has refused. She has also refused to give me her supervisors name. She is however telling me that the inquiry was not put in correctly and that I have to start all over and that it takes a minimum of 10 business days to get a response. This is contradictory to everything both my assistant and I have been told for the past week every time we have called. 
The owner of this home closed their line 7 years ago and even has the line of credit closure authorization from XX/XX/XXXX, which I have a copy of. MERS shows this loan as inactive. Yet Popular has never bothered to record a lien release and is now causing XXXX monetary and mental anguish both for the seller 's ( their customer ) and the new buyers who have a moving van set and have no place to live as of Sunday the XXXX. This is to close escrow today! Yet instead of helping me fix THEIR mistake I just keep getting hung up on. XXXX was instructed not to put me on hold, but she just did, which means I will likely be hung up on again, for the XXXX time.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several time I've complained about being a victim of identity theft. The 3 credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

Inadvertantly found out through local court system that they are trying to issue a civil warrant for my husband and I. showing on court website that a civil warrant has been issued for us. it lists XXXX and the attorney who filed complaint against us. so I XXXX the attorney and call the number. they answer as Wakefield and Associates of XXXX tn. I give ss number as I have no account number and they tell me that im being taken to court over a medical bill from 2012 to XXXX XXXX. I ask why I had not been informed of debt, and lady tells me that they dont have to inform you of anything. they have never sent anything to me regarding the debt, not even a phone call. Just automatically sue for XXXX thats after theyve added fees and interest supposedly. How can this be legal. I called my medical isurance, they needed a form filled out, and would then pay the claim, but Wakefield and Associates says we still have to get sued. i dont even know the amount of debt owed to the original creditor.
Product: Credit reporting or other personal consumer reports

I placed a freeze on all XXXX of my credit reports in XXXX  ( done online ). I tried to unfreeze & my Equifax would not unfreeze & I was told my them that I would need to mail in documentation via XXXX. Found out after I waited nearly XXXX weeks that the issue is Equifax does not have my SSN on my report at all. Yet, someone they have been receiving my credit information for well over XXXX  years. Now I am trying to buy a house & I am unable to do so until I mail in NEW documentation proving my identity again, which they don't have to process until XXXX business day AFTER they receive it in the mail. I find it a huge security issue that they have been in control of my credit report without having the most basic piece of information proving my identity.
Product: Credit card

I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against Jefferson Capital Systems , LLC Acct : XXXX regarding their violation of federal regulations outlined in 12 CFR 1006.34 ( b ) ( 5 ), 12 CFR 1006.34 ( c ) ( 4 ) ( i ), and 15 USC 1681s-2 ( 7 ) ( A ). 

On XX/XX/XXXX, I checked my report and noticed an unknown debt from XXXXJefferson Capital Systems , LLC regarding a debt they claimed I owed. Upon reviewing their correspondence, I noticed several discrepancies and potential violations of consumer protection laws. 

Firstly, the collection agency failed to provide me with the required validation notice as mandated by 12 CFR 1006.34 ( b ) ( 5 ). This notice is crucial in informing consumers of their rights to dispute the debt and request verification. However, I did not receive any such notice from Jefferson Capital Systems , LLC, depriving me of my rights under the Fair Debt Collection Practices Act ( FDCPA ). I would like proof that certified mail was sent to the consumer me demanding that information to validate debt. 

Secondly, the communication I received contained inaccurate or misleading information, which violates 12 CFR 1006.34 ( c ) ( 4 ) ( i ). The collection agency misrepresented the amount of the debt and failed to provide a detailed breakdown of the charges, making it impossible for me to verify the validity of the debt.

Furthermore, I believe that Jefferson Capital Systems , LLC may have violated 15 USC 1681s-2 ( 7 ) ( A ) by reporting inaccurate information to the credit reporting agencies. Despite disputing the debt and requesting verification, the collection agency continued to report the debt as valid, which has adversely affected my credit score and financial standing. 

In addition to requesting an investigation into these violations, I am also requesting that all accounts associated with Jefferson Capital Systems , LLC be immediately deleted from my credit report. The inaccurate reporting of this debt is causing significant harm to my creditworthiness, and Emotional state and I urge the Consumer Financial Protection Bureau to take swift action in rectifying this matter. 

I have attempted to resolve this matter directly withJefferson Capital Systems, LLC by disputing the debt and requesting validation, but they have failed to provide adequate responses or rectify the violations outlined above. 

Enclosed with this letter are copies of the correspondence received from Jefferson Capital Systems , LLC, as well as any relevant documentation supporting my complaint. 

Thank you for your attention to this matter. I look forward to your prompt response and resolution. 

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

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( Private DOB ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of Accounts : XXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX Bal. {$550.00}, XXXX. XXXX, XXXX Account # XXXX date opened XX/XX/XXXX bal. {$170.00}, credence resource mana Account # XXXX date opened XX/XX/XXXX bal. {$91.00}, XXXX Account # XXXX date opened XX/XX/XXXX bal. {$3500.00}, XXXX XXXX Account # XXXX date opened XX/XX/XXXX XXXX {$12000.00} Inquiries : centra cu, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. 
These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company keeps adding this debt that was already removed twice that isn't mine! This collection company keeps fraudulently adding it to my credit bureaus and it needs to be removed. Again. 
Please stop adding this to my credit report as it doesn't belong to me! 

ACCOUNT XXXX
Product: Checking or savings account

XX/XX/year>. Wanted to transfer $ XXXX from my XXXX XXXX Acct to an external acct. Was told I can only do a XXXX of $ XXXX but that I can request and exception to extend the amount transferred. I transferred $ XXXX initially. The next day I tried to transfer the balance. I was then told I can only transfer once the initial $ XXXX has been posted to my external account. I tried to cancel that transaction but I was told it's too late, that I had to wait XXXX business days for that amount to post. XX/XX/year>, that amount posted to my external account. I then tried to transfer $ XXXX on XX/XX/XXXX. I was denied. XXXX ( Webster Bank ), told me I had to ask for approval again to go beyond the $ XXXX. I did this. I received an email at XXXXXXXX XXXX stating that I was approved to transfer $ XXXX to my external account. I also received a phone call confirming the same thing. I attempted the transfer several times without success. Since then I have attempted several times to call XXXX and figure out why they will not allow me to transfer my own money. I can not get an answer. Today XX/XX/year> I proceeded with a request to close this particular savings account and transfer all of the funds to my external account which is a substantial amount of money. I was told I would hear back from someone later in the day. I still have not received any phone calls and I do not know what else to do at this point to get my money out of this bank. Please help.
Product: Credit card

Dual Factor Authentication The problem I was experiencing was related to the Dual Factor Authentication procedure for both the website and mobile application. After switching phone carriers, I was unable to select my phone number as valid method to receive a one-time code to authenticate my online account. It was on my third call to Chase and escalating the conversation to where I was connected with a technical representative who was able to solve the issue within minutes. I was informed that the root cause of my issue was because I switched mobile phone carriers and the original authentication message was sent to the old phone provider and returned back as a bad phone number. Because of this my phone number was put on a blacklist and was not able to be used until they removed it from it and reconfigured it. 

I had contacted Chase Bank about this issue three separate times. The complaint is in regard to the frontline customer service troubleshooting procedure. On all three calls when speaking to the first associate who answered the phone, I was informed to disable my Dual Factor Authentication as a method of resolution. 

The main concern I have is in regard to Chase 's policy and procedure to inform consumers to remove the Dual Factor Authentication as a method of resolution as a first line of problem solving when they clearly have other resources to help solve their issue. The solution to remove the Dual Factor Authentication as a process/procedure creates online account take over vulnerability for all consumers who follow that direction.
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these accounts are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ).

Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the banks directly.

They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy.

XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Recently I did an investigation on my credit report and found several items on there to be Inaccuratemade an official dispute only to have Experian removed a collection and put it back onto my credit report, However the other items were not investigated and still remains on my report.

In accordance with The Fair Credit Reporting Act the list of accounts below has violated my federally consumer rights to privacy and confidentially 15 U.S. Code 1681. ( governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( CRAs ). 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S. Code 1681 602 A There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 15 U.S. Code 1681 602 a sec 2 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 c. ( a ) ( 5 ) Information excluded from consumer reports. 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 convictions of crimes which antedates the report by more than seven years.15 U.S. Code 1681 s-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.

Please remove the following items from my credit report immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

RE : XXXX XXXX To whom it may concern, I, XXXX XXXX XXXX, never gave Equifax, any verbal or written consent to report anything on my consumer report. No consent is Identity Theft. A copy of the law is attached with this dispute. 
I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. 

You also do not have any permissible purpose to furnish my personal information to any third party. 
15 USC 1681b Permissible purpose of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

As a consumer, I am demanding a deletion of the following inquiries XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, 15 U.S.C. 1681 Navy Federal must report accurate information. My credit report is reporting that my XXXX and XXXX payment is 30 behind and as of today is XX/XX/2018 Im. It 30 days late. Navy Federal needs a better system to repos accurate delinquency. I reported to Navy federal that I have a medical emergency and I cant afford my payments. I need their assistance to reduce these Payments. I mailed in my XXXX payment to see if the company would get that faster but it still didnt report. I am so grateful for getting a credit card with this company but they arent reporting accurate information.