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

To Whom It May Concern : I am writing to formally request the removal of all negative information from my credit profile due to significant concerns surrounding data security breaches and inadequate dispute investigations that have recently come to light. 
As you are likely aware, XXXX was involved in a major data breach, exposing sensitive personal and financial data of millions of consumers, including myself. This breach has raised concerns about the accuracy and security of the data currently being held and reported by your credit bureau. Given the gravity of this issue, I believe that it is reasonable to request that all negative items be removed from my credit report until a thorough and independent review can confirm the accuracy and integrity of the information associated with my profile. 
Additionally, XXXX is currently under investigation by the Consumer Financial Protection Bureau ( CFPB ) for its failure to properly investigate consumer disputes, leading to inaccurate or incomplete information remaining on credit reports. As a consumer, I am entitled to an accurate and fair representation of my credit history, and I am requesting that you act accordingly to ensure that no erroneous or unfair negative items remain on my credit file, especially in light of the ongoing legal scrutiny of the credit reporting process. 
Therefore, I respectfully request the immediate removal of all negative information from my credit profile. I understand that federal law provides rights to consumers regarding the accuracy and integrity of the information on their credit reports, and I trust that you will act in good faith to ensure that my credit history is a fair and accurate reflection of my financial conduct. 
Please confirm the removal of these items in writing at your earliest convenience. Should you require any further documentation or verification from my end, I would be happy to provide it. 
Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are student loans and a few accounts thats are not mine I have been disputing these accounts since last year XX/XX/2020 and I have not received any word back from the bureaus or the furnishers. These accounts are not mine I have not signed or applied for any of these I dont even know what they are for. 

Account Name : DEPT OF EDUCATION/NELN Account Number : XXXX Account Name : DEPT OF EDUCATION/NELN Account Number : XXXX Account Name : DEPT OF EDUCATION/NELN Account Number : XXXX Account Name : DEPT OF EDUCATION/NELN Account Number : XXXX Account Name : DEPT OF EDUCATION/NELN Account Number : XXXX Account Name : DEPT OF EDUCATION/NELN Account Number : XXXX Account Name : DEPT OF EDUCATION/NELN Account Number : XXXX Account Name : ACCOUNT MANAGEMENT SER Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Under 15 U.S.C 1681b - Permissible purposes 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. I never gave this reporting agency any written consent to report anything on my consumer report. No consent is illegal and is considered identity theft under FCRA. I am also the CONSUMER which means under law, I am the only person able to validate any debts which I do not validate here. Because of this, I demand the deletion of the missed payments on this account : XXXX XXXX  XXXX XXXX Since you are in violation of my consumer rights, I demand action to be taken immediately. If no course of action is taken immediately upon arrival of this letter, I will be filing a complaint with the Attorney General, and the FTC for identity theft on your behalf. In accordance with 15 USC 1681n you are civilly liable for damages so I will be seeking monetary relief if no action is taken immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Unauthorized inquiry/inquiries
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX Attention : Consumer Relations, I recently obtained a copy of my credit report from your service and have found the following items to be in error. I have provided documentation as evidence that the items in question are inaccurate and need to be deleted from my credit report. 

Item # 1 : I dispute XXXX XXXX XXXX Balance {$24000.00}, account XXXX. This payment history is wrong. I have attached payment history XXXX XXXX XXXX  agreed to. XXXX XXXX XXXX has  been reporting my auto loan account XXXX. They are reporting this account as charge off no payment received. Yet I have been making payments over the last year. I have provided proof of some of the payments I have made. 

They have been calling and making threats about the account. They will not update the account on my credit report after they have charged off account. 

Please delete this account. XXXX XXXX XXXX did not report this account correct for more than a year. 

Per Section 611 of the Fair Credit Reporting Act, I am requesting that you re-investigate those items indicated, and promptly delete any item that is not valid, is inaccurate, or has outdated information from my credit report. 

In addition, I am requesting a description of how the investigation was conducted along with the name, address, and telephone number of anyone contacted for information. 
Please send me an updated copy of my report, and notification that items have been deleted. I will consider 30 days a reasonable time for you to validate these items. 

Thank you for your prompt attention in this matter. 
Respectfully, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX  XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$550.00} ; XXXX XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022.
Product: Debt collection

I have been trying to contact you to validate this alleged debt. My information has gotten into the hands of the wrong persons and I am trying to clarify some things.
Product: Debt collection

" XXXX XXXX '' called from XXXX, VT from the number XXXX telling me " a scheduled delivery of service for tracking number XXXX XXXX you can expect my arrival today between XXXX and XXXX to the XXXX XXXX address to obtain signature on the documents. If you or your representing attorney do have any questions, or need to reschedule, contact the filing firm directly at XXXX '' I called back to the original number ( XXXX ) and she asked for the tracking number and then transferred me to a man. This man went through telling me that a civil lawsuit would be brought against me and the delivery is the serving of the papers indicating this lawsuit against me. He told me it was in regards to a US Airways Mastercard i had over 10 years ago and that I owed about $ XXXX and I had refused to make payments or to make contact with the credit company. He asked for my email to send a document ( which I still have not opened ) in which I could enter my information and " update my payment information '', and if I sent this back to them signed by the end of the work day, they would accept payment of only 50 % of what I originally owed ( about $ XXXX ). However, he said, if I did not complete this while on the phone with him, the civil lawsuit against me would go through and I would be taken to court. The email they sent the document from is XXXX XXXX XXXX I hung up on him after he sent the email. I have taken no action with them other than writing this complaint. I do not remember the name he gave me for his name nor the name of the arbitration company he claimed to be from. It was something with HR... 
He did know my current and most recent address, and he read my social security number to me without me offering any information to him. They clearly have too much of my information, so I'm concerned about identity theft now as well. 
Thank you
Product: Mortgage

I've been requesting to cancel the escrow account with current mortgage company, XXXX XXXX XXXX ( serviced by Dovenmuehle ) since last XXXX. I called numerous times and emailed a couple time but theyre not either cancelling the escrow account nor resolving the problem. Instead, theyre charging the late fee although I made a payment on XX/XX/XXXX and making negative impact on my credit. 

The reason why I want to cancel the escrow account is that they made my property taxes due in XXXX delinquent until XXXX. Theyre not capable of following up the taxes in timely manner. I would not like to deal with them any more in regards to my taxes. 

I received the escrow analysis from them and see the escrow account shortage amount of {$1900.00}. I made a payment on XX/XX/XXXX to make up the shortage amount on the top of principal and interest, which is {$5600.00}. 

- property tax paid in XXXX : {$8600.00} - escrow amount I paid since XXXX till XXXX : {$6600.00} -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - - escrow shortage : {$1900.00} payment for XXXX : {$3700.00} ( principal and interest ) + {$1900.00} ( shortgage ) = {$5600.00} {$1000.00} Until today, theyre not trying to resolve the matter but trying to charge me {$12000.00} escrow reserve amount and raised the monthly payment by {$3000.00}. 

Instead Theyre not trying to resolve the issue, theyre trying to hold more money from me and put my credit jeopardized. 

Theyre not qualified and responsible lender / mortgage servicing company. Please address this matter with them and they have them take an action to correct this right away.
Product: Checking or savings account

On XX/XX/2023, I receive a phone call from XXXX XXXX XXXX. This number is a number for J.P. Morgan Chase. 

The person calling said my debit card had been used in Arizona and they needed to verify thst this use was unautorized and gather other information to cancel that card and issue a new one. I answered their questions. 

Shortly after, a series of withdrawals in the amounts of {$200.00} and {$140.00} were made from my savings account. I did not make these withdrawals. I immediately called Chase and they said my money would be refunded and that a claim was being filed. They said they would shut down the card immediately and said they would send a new one. 

The following day, XX/XX/XXXX, I noticed another series of withdrawals from my savings account. I called Chase again and reported the charges. They said they would be depositing the funds back to my account ( This mever occurred ) and that they were filing a claim and issuing me a new card. 

I spoke with Chase today, XX/XX/XXXX, and they said the first claim ( for the charges in XX/XX/XXXX ) were denied and the the claim from XX/XX/XXXX is still pending.
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 : XXXX : Account Number:XXXX Account Name : XXXX : Account Number:XXXX  Account Name : XXXX : Account Number:XXXX Account Name : XXXX XXXX XXXX : Account Number:XXXX Account Name : XXXX : Account Number : XXXX- Account Name : XXXX : Account Number:XXXX Account Name : XXXX XXXX XXXX : Account Number:XXXX  Account Name : XXXX : Account Number:XXXX  Account Name : XXXX : Account Number:XXXX 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 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: Checking or savings account

FROM XXXX  TO PRESENT MY ACCOUNT HAS BEEN OVERDRAFTED CHARGED RECKLESSLY. PLEASE HELP ME TO BE REFUNDED FROM ALL THE UNNECESSARY OVERDRAFTS PLEASE CAUSING MY ACCOUNT TO BE IN THE RED FOR MONTHS
Product: Credit reporting, credit repair services, or other personal consumer reports

Chapter XXXX Bankruptcy XX/XX/2021 To Whom It May Concern, Your company is currently reporting a negative listing regarding the above referenced account. Based on my recollection and my records, I can find no reason for you reporting such a history. If you'll review your records I think that you will find your reported notations are inaccurate. 

The erroneous status of your credit reporting agency records is unacceptable and is preventing me from obtaining necessary financing. Pursuant to Title 15, Section 1666 of the United States Code, I formally request the following documentary evidence pertaining to my account : A summary of all account activities, including all payments made, late charges, interest, date of payments received, date of payments posted, charges made and date of charges posted. 

Copies of all documents and financial instruments used to pay the disputed late payments. 

Copies of all charge slips, invoices, promissory notes, and all other documents proving indebtedness.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a prey of identity theft. I am writing to appeal that you block the following false information from my credit report. I have no knowledge how the theft took place. I also have no awareness of any suspects. I did not obtain any money, goods, or services as an outcome of identity theft. Please inform me if you want any other material from me to block this information from my credit report.XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am filing this complaint against XXXX XXXX XXXX due to their inaccurate, misleading, and unverifiable reporting on my credit reports with XXXX XXXX XXXX XXXX Their reporting contains multiple violations of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), which require immediate correction or deletion of this account. FCRA Violation Reporting Impossible Future Dates Violation : FCRA 15 U.S.C. 1681i ( a ) ( 5 ) Unverifiable Information Must Be Deleted XXXX is reporting a Balance Date and Status Date of XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX reports. This is factually impossible because we are in XXXX, meaning the reported data is unverifiable and must be removed under FCRA law. A credit reporting agency can not maintain data that is demonstrably inaccurate or impossible. FCRA Violation Charge-Off Reporting with an Outstanding Balance Violation : FCRA 15 U.S.C. 1681s-2 ( a ) Furnishers Must Report Accurate Information XXXX XXXX XXXX has charged off this account but is still reporting a past due balance of {$7500.00}. A charge-off means the lender has written off the debt as a loss. If they wrote off {$14000.00}, they should not be reporting an amount due. This is misleading and violates federal law, as a charged-off account should show a {$0.00} balance unless they still own and actively collect the debt FCRA Violation Contradictory Reporting Violation : FCRA 15 U.S.C. 1681e ( b ) Reporting Must Be Consistent & Accurate Experian states that 62 % of this account has been paid off, but a balance is still being reported. How can an account be paid off while still showing a balance due? This contradiction renders the entire account unverifiable and misleading under the FCRA. FDCPA Violation No Proof of Debt Ownership Violation : FDCPA 15 U.S.C. 1692g Debt Validation Requirement XXXX has not provided proof that they still own the debt, yet they continue to report a balance. If XXXX sold this debt to a collection agency, they legally can not report a balance on my credit report. If they can not validate ownership, this account must be deleted immediately. FCRA Violation Failure to Properly Investigate Disputes Violation : FCRA 15 U.S.C. 1681i Duty to Investigate Disputed Information I have contacted XXXX XXXX XXXX multiple times to correct this misinformation, and they have ignored my requests. They have failed to conduct a reasonable investigation into the disputed information, which is a direct violation of FCRA law. Due to the multiple violations listed above, I am requesting the immediate deletion of this XXXX XXXX XXXX XXXX from my credit reports with XXXX, XXXXXXXX XXXX XXXX  The reporting is factually incorrect, inconsistent, and unverifiable, which violates the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). If XXXX can not verify and correct every single inaccuracy, the only legal option is to delete this account immediately. I request that the Consumer Financial Protection Bureau ( CFPB ) take immediate action and require XXXX XXXX XXXX to comply with federal law.
Product: Credit card or prepaid card

On XX/XX/2019, I pulled my credit report while applying for a mortgage and first learned of a fraudulent account apparently opened under my name and social security number. The account had an over {$5000.00} balance and apparently had been charged off and reported to the credit bureaus. As soon as I learned about the fraudluent account, I immediately reported the issue to the credit card company, Synchrony Bank. I advised Synchrony Bank that I never opened the account in question, never made any of the purported purchases and never received any statements of the account indicating a balance due. I requested that Synchrony Bank immediately open a fraud investigation. I also contacted each of the three major credit bureaus and reported the fraudulent account and placed a fraud hold on my credit report. Nobody from Synchrony Bank ever contacted me or requested my cooperation with the investigation, other than asking me to fill out a fraud investigation form, which I promptly and fully completed and faxed to Synchrony Bank on XX/XX/2019. I never heard from Synchrony Bank until XX/XX/2019, when they sent a letter saying they concluded their investigation and refused to approve my claim for 3 alleged reasons : 1. " customer failed to cooperate with reasonable investigation '' ; 2. " customer released account information to a third-party '' ; and 3. " customer accepts responsibility for the charges. '' Each of these 3 reasons is patently false and bogus - I fully cooperated with Synchrony Bank ( they never contacted me or requested any additional information ), never disclosed any purported account to a third party and absolutely never accepted responsibility for the fraudulent charges. I never opened this account and never made any of the alleged charges! I immediately contacted Synchrony Bank upon receipt of their XX/XX/2019 letter and demanded that they re-open their investigation and send me documentary proof, including the alleged credit card application, proof of mailing and delivery of account statements and identifying information of how/when payments were allegedly made on the purported account. Synchrony Bank is refusing to provide me any of the above documentary proof that I demanded. Synchrony Bank is also refusing to provide any proof whatsoever that I ever opened this account and made any purchases on it. They are also refusing to contact the merchants involved in the alleged credit card transactions and investigate any of the alleged purchases. Their fraud investigation is a total sham, violates due process, is absolutely fictitious and is the epitome of unfair credit-card practices. I am clearly a fraud victim here, and Synchrony Bank refuses to do any due diligence or fairly investigation my claim. As a result, my credit is adversely affected, and I am someone who would otherwise have an 800 credit score. It is also adversely affecting my ability to qualify for a home mortgage, and Synchrony Bank couldn't care less.
Product: Bank account or service

There was a a Citibank offer back in XXXX XXXX with the following promotion ( OFFER CODE : CZPE ) : " Get a {$400.00} bonus when you open a new Citigold or Citibank Account checking package, deposit {$15000.00} of non-Citi funds within 30 days, and keep the funds there for 30 consecutive calendar days. Cash bonus will be credited to your new checking account within 90 calendar days from the date when you completed all offer requirements. '' I opened a new checking account on XXXX/XXXX/XXXX, deposited {$15000.00} on XXXX/XXXX/XXXX, and have kept the same balance until at least 30 consecutive days as the promotion required. Even to this day the same balance has been keep there, and after the 90 days of meeting all the offer requirements, I still have not received my bonus offer. I have called the Citibank service center every 30 days within the 90 days to confirm that I have met all the requirements and their answers every time was yes and wait for the 90 days. Today, it is XXXX XXXX, XXXX and I still have not received the bonus offer nor there is possible pending transactions posted in my account. By researching online, I have found numerous complaints against this Citibank practice of not paying bonuses even after the requirements have been met ( https : XXXX? XXXX ). Any help is greatly appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital One is reporting inaccurate information on my Consumer Credit Report.

By Definition the IRS Clearly says a Cancelled debt or charge off/written off debt is Income. The reporting of this account as a debt is in accurate. 
INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes your reporting of this account inaccurate! 
The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living and my ability to obtain Credit for personal and house purposes. PLEASE delete this inaccurate account within 10 business days.
Product: Debt collection

I have told XXXX XXXX whose number is XXXX several times that my husband has lost his job and will be back at work at the end of this month. Via email and phone. Today I get a harassing text and phone call from someone stating that they are an investigator named " XXXX '' and that they are calling the Sheriff to come to my house. This was also communicated to my parents and friends I have listed as references on this motorcycle loan. The person than began to text message me repeatedly after I asked them to please stop. This has caused more stress than our financial situation we are currently going thru. I want this harassment and threats to end. We have never been late on any payments until this loss of employment happened. We should not have to deal with such harassment