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

To : Whom It May Concern, I did not consent to, authorize nor benefit from any of the folowing accounts. According to the FAIR DEBT COLLECTION PRACTICES ACT. These compainies has violated my Consumer Rights. I am asking you to immediately stop all collection activities pertaining to these debt accounts, including reports to credit reporting agencies. I also ask that you tell these business where the accounts was opened that this debt is the result of identity theft. In the event of an investigation, Acoording to the FAIR CREDIT REPORTING ACT, Pursuant to 15 USC 1681a ( e ). Please send me a letter explaining what you have done to : XXXX. Inform the business where the account was opened that the debt is the result of identity theft. 
XXXX. Stop collection activities against me. 
XXXXStop reporting information about the debt to credit reporting agencies. 
XXXXIf you've already reported the debt to credit reporting agencies, notify them that the debt is the result of identity theft. 
XXXX provide me with the records I requested. 


XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Thank you for your cooperation Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, incorrect information are being reported to my personal credit file. The XXXX, XXXX and TransUnion Credit Reporting Agency have not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. XXXX, XXXX and TransUnion have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
XXXX XX/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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights.

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

15 U.S.C Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account with my written instructions.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit XXXX XXXX XXXX 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 a personal credit card account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX  on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX and a collections account opened at XXXX XXXX XXXX on XX/XX/XXXX with a balance of {$60000.00} that appears related to the aforementioned personal loan account opened at 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 # ( private case number ) 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

Recently experienced my identity being stolen and these inquiries are a result XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Multiple calls/messages left on house phone number not cell phone. 

Finally returned phone call on XX/XX/XXXX out of fear for damage to my credit and identity/ reputation. 
Called a second time and debt amount on supposed account was different than before. 

Talked to XXXX ( foreign accent ) Asked to speak to manager or supervisor kept talking instead. 
Claimed I have debt over {$2000.00} went into collections XX/XX/XXXX Account number : XXXX and XXXX, from a supposed rental property ( which I have NEVER ever lived or rented from anywhere. 
Collection case since : XXXX, XXXX, XX/XX/XXXX through present. 
Continues to call home phone and leave messages about debt collection. 
XXXX has not shown or notified me of any damaged credit so far. 
Hunter Warfield or XXXX, or XXXX XXXX XXXX XXXX AL XXXX Copy affidavit Email/fax : XXXX  XXXX? 
I did contact the police department. 
I was told by policeman Named XXXX, that I dont have to file a report and that he would take care of it using the information above that I handed to him. 
He called and contacted the agency. 
He said there are scams going on that get the FBI involved and told me never give them my ssn or any other personal information.
Product: Credit card

I have a registered security with chase and i have not received principal or interest. Chase did not credit my account via my dividend payment? / payment coupon on the bond. Please do not reply saying anything referring to a credit card agreement this is a notice of default because again I have not received my dividend payment attached to the bond that I received. Per the indenture agreement dated XX/XX/year> between JPMorgan Chase as the issuer and XXXX XXXX XXXX XXXX XXXX as the indenture trustee. Chase has the obligation to duly and punctually pay all principal of and interest on each XXXX. 


Section XXXX Payment of Principal and Interest. The Issuer covenants and agrees for the benefit of each series of Securities that it will duly and punctually pay or cause to be paid the principal of, and interest on, each of the Securities
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccurate information on my credit report due to my recent victimization by XXXX XXXX I have identified several accounts and/or pieces of information on my credit report that are incorrect and were not authorized by me. 

XXXXXXXX XXXX XXXX Balance : {$14000.00} XXXX XXXX XXXXXXXX XXXX Balance : {$13000.00} XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$36000.00} XXXXXXXX XXXX XXXXXXXX Balance : {$24000.00} XXXX XXXX XXXX XXXX XXXX : {$10000.00} XXXXXXXX XXXX XXXX XXXXXXXX XXXX Balance : {$520.00} XXXX XXXX XXXX  Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX : {$270.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$3600.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXX XXXX Account number XXXX had violated my rights. 

15 USC1681 Section 602 states I have the right to privacy.

15USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.
15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Mortgage

I requested help with my mortgage in XXXX of this year and I never received a b5 letter. I also submitted an information request for the following information : Please provide a comprehensive and detailed breakdown of various charges and fees being charged to my loan account, including but not limited to : 1. Escrow advance charges 2. Foreclosure fees and costs 3. Property preservation activities and associated costs. Please define and clarify what was done.

4. Valuation details and frequency 5. Attorney fees Force-Placed Insurance : Please confirm whether any force-placed insurance was placed on my property since you began servicing my loan. If so, please provide evidence that you complied with the requirements of Section 1024.37 of Regulation X, including the provision of at least two written notices before charging me for such insurance.

Early Intervention with Delinquent Borrowers : Please provide proof of your compliance with the early intervention requirements under Section 1024.39 of Regulation X. This should include evidence of your efforts to establish live contact with me by the 36th day of my delinquency and the written notice provided to me by the 45th day of my delinquency. Records of Communications : Please provide all records of communications between your company and myself since you began servicing my loan. This should include, but is not limited to, written correspondence, email exchanges, and notes or records related to phone conversations or other forms of communication. 6. Servicing File : In accordance with Section 1024.38 ( c ) ( 2 ) of Regulation X, please provide a copy of my servicing file, which should include the following : A schedule of all transactions credited or debited to my mortgage loan account, including any escrow account as defined in 1024.17 ( b ) and any suspense account ; A copy of the security instrument that establishes the lien securing the mortgage loan ; Any notes created by servicer personnel reflecting communications with me about my mortgage loan account ; To the extent applicable, a report of the data fields relating to my mortgage loan account created by your electronic systems in connection with servicing practices. 

My loan is a VA loan so I don't know why there is still a sale date scheduled. I also submitted a complete loss mitigation application.
Product: Checking or savings account

I had signed a contract with a company called Elevated Diversity on XX/XX/year> and received an equipment check from them for {$4900.00} and tried to deposit the check into my checking account with Huntington Bank. Unexpectedly, Huntington Bank locked me out of my online account immediately afterwards ( same day ) so I could not login to check funds and they also locked me out of ATM usage with my debit card. I could not make a deposit or even check my balance. When I went into the XXXX, Ohio branch of Huntington Bank on XX/XX/year>, I was informed that funding for the check would not be available for a few days until it clears with the other bank. They could not provide any information about why I could not use the ATM or XXXX to my online account. I was informed on XX/XX/year> the check was not funded by the other bank and had to be returned. I went into the XXXX, Ohio branch again to find out if they could open my access to the ATM and my online account. 

Shockingly, Huntington Bank decided to close my account and they were blaming me for the bad check from this employer. They gave me my remaining funds and told me I would receive a letter regarding the account closure. 

This could never be the fault of the customer because certainly every XXXX expects their employer to give them checks that have funds behind them and secondly, there is no risk for the bank because their software knew the other bank wasn't funding the check, so they were not vulnerable. Third, locking me out from ATM usage and my online account damaged my ability to make deposits and ensure my bills were being paid. Huntington failed to pay one of my creditors on XX/XX/year> that I had funds available for within my account and I had to pay them extra interest on my payment. Fourth, this account closure that I believe is fraudulent cost me time as I had to open a new bank account with XXXX and re-route all my automatic bill payment accounts which took away almost 2 full days of work. Lastly, I am still getting emails from Huntington Bank that my account is open with a {$0.00} balance and I am concerned they will try to fraudulently charge me fees for the open account. These emails are harassment on top of the fraudulent account closure.
Product: Credit reporting or other personal consumer reports

On XX/XX/2023 I submitted several distputes to XXXX the dispute investigation prompted XXXX to send me several copies of my credit report with dispute results. On XX/XX/2023 I was sent dispute results XXXX, XXXX, and XXXX. In the dispute results provided by XXXX Mariner Finance is replaced by a company named XXXX XXXX XXXX. This company shows the balance and account number of the Mariner Finance account previously posted but I have no business dealings with this company and it should not be on my report. To my knowledge Mariner Finance has not changed their name but they are currently in a class action lawsuit for illegal practices and procedures. When viewing my consumer file on XXXX Mariner Finance shows but XXXX XXXX is not present. So it is unclear to me which company is attempting to report the debt. This confusion makes it unfair to me the consumer to continue to posses an account that is illegally reporting a debt under a company name that I have never had any business with. Weather Mariner Finance incorrectly reported the account or XXXX incorrectly reported the account it is violation of my rights under the Fair Credit Reporting Act an the accounts with both Mariner Finance and XXXX XXXX should be removed. Also, on XX/XX/2023 i submitted a claim ( claim # XXXX ) to the XXXX due to XXXX refusing to provide the date of last activity for derogatory accounts on my report when their website states " closed accounts will remain on my credit report for 10 years from the date of last activity. The complaint was closed early by the XXXX without XXXX providing the information I requested, however, the two accounts missing the dates of last activity are XXXX ( account # XXXX ) and Mariner Finance ( account # XXXX ). The account for XXXX should also be removed due to XXXX refusing to provide the date of last activity so consumers can identify how long debts will remain on their reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX account is adding interest onto a charged off account. The account was charged off. The rep told me at court that a judge can agree to make me pay more interest but i have no judgments about court ever. They are reporting two different amounts owed to experian and equifax. XXXX is also reporting that the loan is on time in 2021. The amount not the same on my credit reports, thus making reporting information incorrect and should be removed from my credit report for inaccuracies.
Product: Money transfer, virtual currency, or money service

CRIMINAL ACTIVITY CRIMES COMMITTED : THIS REPORT WILL PROVIDE INFORMATION IN REGARD TO WHAT IS PERCEIVED TOP BE MONEY LAUNDERING. 

According to an entry situated in a CHIME account belonging to XXXX XXXX XXXX there awas a deposit made of XXXX that was reported in an email message and appeared in the data of the CHIME Credit CardBuilder. THe day of the entry was XXXX, near the XXXX or near the date. 

According to the apparent deposit, the CHIME Credit Card holder knew nothing about the origin of the XXXX amount while, instead, the card holder was expecting deposit ( s ) of XXXX pension benefit ( s ) on or near the same date. 

According to the report, the card holder questioned the XXXX entry and, subsequently, forwarded a message to the XXXX XXXX XXXX XXXX concerning that which was presumed to have been a slight and a deduction from the expected SSA retirement pension deposit. 

THe retirement pension deposit is received at the CHIME card servicer by way of Direct Deposit from the Social Security Administration. on a monthly basis. 
Card holder was, then, made aware that the XXXX dollar deposit, which at that time was no longer situated in the Card depository, was not associated with SSA Direct Deposit ( s ). 

Thereafter, on XX/XX/2023, a notification appeared at the CHIME SMS messaging indicating that a payment of XXXX was made to an unknown recipient. 

At that time the card holder became concerned that their CHIME accoutnt was/is being used as a conduit for some unknown party 's activities that involve Financial Fraud , Theft and, Money Laundering.

Information may be forwarded in regard to the CHIME account number, Routing number and other information that may be necessary to represent evidence that may lead to the source of the crime. 

A call placed to the CHIME office provided NO ASSISTANCE at all. The call placed to CHIME customer service on XX/XX/2023 resulted in the customer service representative transposing the amount of the deposit while after being told that the errant depost was XXXX, the CHIME customer service representative responded -- after claiming to research the information -- stating that an entry was located on the date stated and did not match the data provided by the card hold while the CS representative stated that the entry located in the data was XXXX. THe customer service representative disclaimed the information provided by the card holder as being wrong. The card holder disconnected the call.
Product: Checking or savings account

Yesterday XX/XX/18 i called bank of america in regards to overdraft fees for help and they refused to help, the woman hung up on me after wasting 20 minutes of my time
Product: Credit reporting, credit repair services, or other personal consumer reports

ALL OF MY STUDENT LOANS WERE PAID OFF BY NELNET. BUT THE LOANS STILL REMAIN ON BOTH OF MY CREDIT AGENCIES AS OPEN. PLUS THEY ARE SAYING THAT I OWE FED LOAN SERVICING AND THE DEPARTMENT OF EDUCATION AND THEY ARE BOTH IN THE SAME.
Product: Credit reporting or other personal consumer reports

I am a XXXX XXXX XXXX The information listed below, which appears on my credit report, is the result of that XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Student loan

XXXX check payments with account number, XXXX, noted on them were mailed to the Department of Education and all three checks cashed in XXXX. All three checks have the " XXXX XXXX XXXX XXXX XXXX '' on the back under the cash date. However, Mohela has only applied XXXX of the XXXX payments. I have called multiple times regarding this issue and have been told to wait for processing, wait for a call transfer to a different department, or wait on hold for a supervisor to become available resulting in a hold time of over an hour with no supervisor joining or call transfers being disconnected. I requested a refund of the XXXX payments under the special COVID rules. A refund was provided for only XXXX payments and not the third payment of {$1500.00}.
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The 3 credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I had a fraudulent charge of {$1600.00} on XX/XX/XXXX with my Chase Credit Card. I disputed the charge for not providing the service on XX/XX/XXXX and got notified of my denied claim on XXXX. I called on XXXX to get reasoning behind the denial and was told they can't protect against in person fraud. What happened : The scam is a garage door scam. I paid for a licensed contractor service to repair my garage door. My garage door repair was for re-wring cables. The company I hired has no license and instead sold me springs and drums from a out of business manufacturer ( despite the springs being listed as XXXX version ) at a price XXXX market prices- essentially selling me a different service than what I paid for and a fake/ fraudulent service. When I pushed back on the service, the repair person said he would not leave until he was paid. At which point, I did not feel comfortable with my personal safety so I paid and let him leave. I immediately opened a dispute with my credit card to report the scam. They said despite it being fraud, there is nothing that can be done. It was in person and not online, so they are not allowed to do anything. Further, because I paid, despite the context under which I paid, they can not do anything. I asked, so if someone sells you a bag of fake diamonds or a bag that is empty under the pre-tense there are diamonds, is this not fraud? She said it is not fraud under how they are defining it. I provided 16 pages of support of the fraud but the credit card company refuses to give back the money and hold the merchant accountable for fraud, despite credit card companies supposedly having protections against fraud.
Product: Mortgage

Around XX/XX/18 I applied for a fha mortgage through quicken loans. After uploading paystubs and a2 's and having a phone conversation with a XXXX XXXX i was given a pre approval. I was then asked to write a letter of explanation as to what happened to the house that it's listed in my bankruptcy case. It was explained that the house was foreclosed. At no point did anyone from quicken loans ask when it was foreclosed. After I found a house, signed a contract to purchased the house, paid {$300.00} for a inspection and gave quicken loans {$500.00} to be used for appraisal was i then told two days later on XX/XX/18 that I was denied because my foreclosure was not three years old. I was told no appraisal had been ordered so i would be getting my money refunded. On that same day XX/XX/XXXX a appraisal was done on the property. At this point I am out {$800.00} for a mortgage that I never should have been pre approved for. They knew I was applying for a fha mortgage, they knew I had a foreclosure and they knew the waiting period for a fha mortgage after foreclosure is three years, yet they didn't ask when the foreclosure took place.