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

XXXX, iL and XXXX XXXX addresses on my credit report isn't mine. I didn't live there at all. I want them to be deleted. 



XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/ XXXX  In accordance with the Fair Credit Reporting act, my collections, loans, credit lines and hard inquiries have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! 

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 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 items of information, other than records of convictions of crimes which antidotes 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. 

I demand the collections be removed from my account immediately.
Product: Credit card or prepaid card

I noticed a charge of XXXX on my account. Dated XX/XX/2021 .I phoned the bank on the day I noticed it and it had posted the day before,XX/XX/XXXX. The bank issued me a new card.although my card wasn't stolen the money was transferred from my account.i received a new card but my XXXX isn't on there.i phoned the bank again and spoke with the fraud dept.and they gave me the run around plus I couldn't understand him because of his language problems.i still have not gotten my money back from the bank.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts though your company claims to have verified these. 

Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXX, XXXX XXXX XXXX ( Experian ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or prepaid card

To whom it may concern, Goldman sacks credit card for apple. 
Refuses to provide correct statements regarding transactions, I was charged for items that were already fully paid off. Ive been calling them for 3 months now with no solution. No one knows what is happening. 

They are constantly changing my current balance.
Product: Credit reporting or other personal consumer reports

" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such.

Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry. 
Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit. 
Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report.

Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor.

Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry.

Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process.

Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ). 
"
Product: Credit reporting or other personal consumer reports

I am writing to inquire about the status of my previous letters, sent via mail and the Consumer Financial Protection Bureau ( CFPB ), regarding the reinvestigation and removal of disputed negative items from my credit report. 

To date, I have not received any resolution or response from your department concerning my request for the removal of inaccurate and misleading accounts. I have consistently brought to your attention the following accounts that, according to my understanding, should not be present on my credit report :
Product: Credit card or prepaid card

As of Wednesday XX/XX/2018, JP Morgan Chase has closed all of my credit cards. This is the 3rd time this has happened and for no reason. I have never missed a payment and always paid my bill way ahead of the statement. My credit is 100 % perfect in payment history and always have had a healthy usage. I am a XXXX year old managing my credit to the best of my ability and have not done anything wrong. I am utterly confused as to why Chase is targeting me.
Product: Credit reporting, credit repair services, or other personal consumer reports

lam a natural person, I am a living human being, I have rights under 15 USC 1681. 
XXXX, Transunion and XXXX is govern by 15 USC 1681. And they violated my rights numerous of times.

listed below be remove because According to 15 USC 1681 : I have the right to privacy and I did not give XXXX written permission to furnish My report hard inquiries that are not mines.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was notified by a credit alert from XXXX  about a flagged account being placed on my credit file. I immediately called XXXX  to dispute as fraudulent and within 3 hours the account was deleted. I also informed XXXX and they removed the account as well. My issue is with Equifax and they way they takse its customers personal information for granted. I have called and get a run around, I have sent certified mail to get no response and havetried disputing online and than to be told my information does not match what they have and Im directed to Equifax Web mail to submit my dispute. Submitted this dispute over a week and half ago with confirmation number through Equifax Web mail. Every time I call to get a status update Im told the confirmation number was not found. I have literally had it with this company. I have been unsuccessful trying to get this fraudulent account removed off my credit file. I have complained to my Attorny General but seems like the process is in limbo. Equifax does not protect consumers and they make it impossible to veiw, dispute or check a dispute online or by phone. I am sick and tired of getting a run around about my credit and it should never have come to this. This company does not protect consumers.
Product: Credit card or prepaid card

Today, XX/XX/30, I attempted to use my Chase Southwest Card and found out my limit had been decreased by {$2800.00}. My limit has been {$10000.00} for as long as I have the card. I have been a loyal customer to Chase for many years. I have NEVER made a late payment. My auto loan is with Chase as well. When asked about the reason why it was decreased, none of the reasons even apply to me.
Product: Mortgage

The servicing for my loan recently transferred from XXXX to Chase. At XXXX ( and any of the prior servicers I have had in the past ) I was able to make bi-weekly payments. Chase does not. I called their support line and I was informed that 'Chase does not advice bi-weekly payments '. Furthermore, I was instructed that if I made bi-weekly payments I would need to call them to make sure the funds were applied correctly because they were not setup to handle bi-weekly payments. 

The fact that Chase does not advice bi-weekly payments completely contradicts all other financial institutions in terms of how to effectively pay down a mortgage and minimize interest payments. And the notion that I should call in each time I make an extra payment to ensure funds are accounted for correctly is frightening. XXXX would hope that Chase could handle this basic loan accounting themselves. 

Please recommend that Chase offer the proper options to those people with mortgages that are serviced by Chase. We should all be entitled to make bi-weekly payments if we choose and feel confident that Chase can process said payments correctly. 

Thanks in advance for you help and support.
Product: Credit reporting or other personal consumer reports

I am writing to notify you that I am a victim of identity theft, which has resulted in fraudulent activity on my credit report. Pursuant to 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting the immediate blocking and permanent deletion of the following unauthorized account from my credit report : Fraudulent Account : 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

I am a victim of identity theft and I write to dispute certain account in my file resulting from the crime. The account I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. I found that under section 605b ( a ) XXXX shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt and it requires the following documents and statement to remove the disputed accounts on my file : ( 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. The dispute item do not belong to me. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) That is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) This account is unknown to me. Also, the information you provided on this account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 
JPMCB CARD XXXX Date Opened : XX/XX/2016 Balance : {$14000.00}
Product: Credit reporting or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 
XXXX XXXX Balance {$0.00} XX/XX/XXXX XXXX Balance {$85000.00} XX/XX/XXXXXXXX XXXX Balance {$37000.00} XX/XX/XXXXXXXX XXXX Balance {$57000.00} XXXXXX/XX/XXXX XXXX Balance {$2200.00} XX/XX/XXXXXXXX Balance {$3300.00}
Product: Checking or savings account

Fraud was detected on my account and Wells Fargo has did nothing but open claims a then close them with no resolution.
Product: Credit reporting or other personal consumer reports

This complaint references prior complaints about credit reporting. Claims XXXX and XXXX. 
I made legitimate complaints about the fallacious and malicious reporting by these companies. The response from the companies was nothing more than stating their methods, as if that justified their actions. Nothing addressing the phony and harmful reports they provide. At that point the CFPB just closes the accounts, as if the problem has been resolved. 
I stated before : The CFPB acts more like an apologist for business than a defender of businesses victims. I guess I was naive to expect anything different from this government.
Product: Debt collection

I received a phone call from XXXX, by the representative XXXX XXXX from XXXX XXXX XXXX. I asked her did she have permission to call me including documentation with my signature and revoked any rights immediately and that any further correspondence should be done by mail. She replied that the debt by was from XXXX. I informed her that I would not be taking any ownership of any debt or refusing to pay because she can not verify that the debt is mine. She answered saying that she did have permission and that her office just received the account through skip tracing and that she will place a cease and desist on the account to prevent further calling. She informed there a debt owed for the {$210.00} and asked me how I would be making my payments. She attempted to collect the debt many times asking which insurance I had and informing me her office had the right to collect a debt in the state of Indiana because the statues of limitation allows 6-10 years to collect a debt and that leaves them one more year to collect the debt. 
Dynamic Recovery Solutions has committed several violations of the FDCPA and Indiana Fair Debt Collections Act. Indiana fair debt collection laws state An action upon promissory notes, bills of exchange, or other written contracts for the payment of money executed after XX/XX/XXXX, must be commenced within six ( 6 ) years after the cause of action accrues. This means if the alleged debt accrued in XXXX and this being XXXX ( XXXX marks 6th year ), that this debt was illegally attempted to be collected on. 
Another violation is that the representative did not inform Me of my rights regarding a time-barred debt. The representative did not tell me that if I paid or agreed to pay the alleged debt, I could reset the statute of limitations on the debt, subjecting myself to further liability. The representative also failed to tell me that Dynamic Recovery Solutions could not sue me for the debt due to the account being time-barred. Not disclosing such pertinent information displays willful noncompliance and deceptive credit reporting practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently discovered that there is a missing account on my credit file. This is concerning to me because my credit score is directly affected by any errors on my credit report. The missing account is for an Auto Loan I opened on XX/XX/2014 with XXXX XXXX XXXX. 
The partial account # XXXX I contacted the credit bureau to report the missing account and asked them to investigate. They told me that they would look into it and see why the account is not included in my file. I am now waiting to hear back from them and hope that they can provide an explanation and fix the mistake. I am worried that my credit score will be negatively impacted by this missing account. I am also concerned that the mistake could lead to identity theft or fraud. I will continue to monitor my credit closely and hope that this issue is resolved quickly and without any further damage to my credit score.
Product: Credit card

I just got me a copy of my credit report and I found some stuff that is not right. From what I have been told, you have to verify anything I think is not right. Please do one of investigations on the account that I listed above and mail me results. On the internet it says you must finish within 30 days, so I will wait until then. The follow needs to be verified : A & D MORTGAGE LLC XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  account number XXXX has violated my rights. 

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

15 U.S.C. 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions
Product: Mortgage

Roundpoint Mortgage has violated IRS laws by failing to produce mortgage interest Form 1098 in a timely manner. Roundpoint mortgage had until XX/XX/XXXX to produce mortgage interest reporting form 1098 and has failed to do so. Roundpoint has caused me damages by delaying my ability to file my personal Federal and State tax returns.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Dear CFPB, I am writing to file a formal complaint against the following debt collection agency Portfolio Recovery for their improper debt collection practices and violation of my consumer rights under various laws and regulations. 

Portfolio Recovery Address : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Debt amount listed on consumer report : {$300.00} Date Opened : XX/XX/year> I have received a communication from Portfolio Recovery regarding an alleged debt. I believe this debt is not mine and the collection agencies have failed to follow appropriate legal and accounting standards in attempting to collect it. Specifically, I contend the following : Lack of Verification and Validation : The collection agency has not provided a copy of the original contract or agreement bearing my wet signature. I request the purchase order agreement from the original creditor. Under 12 CFR 1006.34 ( b ) ( 5 ) and 12 CFR 1006.34 ( c ) ( 4 ) ( i ), I am entitled to verification of the debt, including the name and address of the original creditor and documentation of the debt 's legitimacy. 

Violation of GAAP : The collection agency has not provided any verifiable financial information that adheres to Generally Accepted Accounting Principles ( GAAP ). Without proper documentation, their claims are not substantiated and fail to meet ethical accounting standards. 

Right to Face My Accuser : I am entitled to face my accuser. The debt collector has not provided any evidence that I was informed of the debt being sold, nor was I present during any related transactions. This lack of transparency violates my rights and raises serious concerns about the legitimacy of the debt. 

Unauthorized Reporting : The collection agency has no authority to furnish this alleged account to any consumer reporting agency without proper verification. The false reporting of this debt constitutes defamation of character. 

12 CFR 1006.34 ( b ) ( 5 ) : This regulation requires debt collectors to provide specific information regarding the debt, including the name and address of the original creditor.

12 CFR 1006.34 ( c ) ( 4 ) ( i ) : This regulation mandates that debt collectors provide a detailed statement of the debt, including documentation that supports their claim. 

Provision of Documentation : Provision of the original contract or agreement bearing my wet signature. If such documentation can not be provided, the debt claim should be considered invalid.
Product: Bank account or service

I do have a cash back checking account with Discover bank XXXX XXXX XXXX XXXX, UT, XXXX, and the XXXX number is XXXX and the account number is XXXX ). The Discover bank mistakenly input my bill payment amount as of XXXX dollars paid to my Discover Card on XXXX XXXX, 2016. The statement balance of my Discover card is just XXXX dollars. Apparently this transaction is voided. But, Discover bank billpaymnet service provider XXXX tried to withdraw the invalid fund from my cash back checking account with Discover bank twice on XXXX XXXX and XXXX, 2016 without my knowledge, which led to insufficient fee charge of XXXX dollars against my cash back checking account on XXXX XXXX, 2016. I need Discover bank to return the insufficient fund fee charge of XXXX dollars posted to my account on XXXX XXXX, 2016.
Product: Credit reporting, credit repair services, or other personal consumer reports

After checking an updated copy of my credit report, I have found an account that I do not recognize. I understand that before any account or information can be furnished to the credit bureaus ; all information and all accounts must be 100 % accurate, verifiable and properly validated. I am not disputing the existence of this dept, but I am denying that I am the responsible debtor. On XX/XX/XXXX i sent a letter to Capital One requesting for Validation of the account I did not recognize. I also requested physical documents with my signature or any legally binding instruments that can prove my connection to this erroneous entrie. On XX/XX/XXXX I received a letter from Capital One stating that they do not have my paper copy to send me because the account was created from phone or internet. On XX/XX/XXXX I sent a second letter to Capital One requesting Validation of said account I have submitted enough information for them to do a reasonable investigation. On XX/XX/XXXX I received a second letter from Capital One they then verified the account was created in XXXX. They then placed a disagreement code with a resolution to dispute. They failed to validate the account, also failed to prove to me i am the debtor.