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

I didn't authorized these accounts on my credit report. 

XXXX XXXX XXXX  Inquired on XX/XX/XXXX  and XX/XX/XXXX  I, XXXX XXXX, didn't give the right to pull my consumer report. There isn't any written permission from me. I want the inquiries deleted from my consumer report. 
So, if you said I gave you permission, but I am asking, you know, for the document, where 15 USC 16 ad one b two says that I gave you that written permission and you can not provide a document. That equals identity theft. 
Under 15 U.S.C. 1681n - U.S. Code - Unannotated Title 15. Commerce and Trade 1681n. Civil liability for willful noncompliance, it says : " Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater. '' I demand it be removed from my credit account immediately. I do prefer a cash check please. 

Collection : 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

I had an issue with a {$5000.00} transaction with a company were the services not rendered as agreed and Chase Bank refuses to issue a chargeback or honor my dispute.
Product: Debt collection

About three weeks ago, I received a letter from The CBE Group , Inc, who is collecting for XXXX XXXX XXXX XXXX. XXXX XXXX sent this debt to a debt collection company. This cell phone company claims I owe over {$1000.00} from XX/XX/XXXX. I was never aware of such activity up until recently. Keep in mind in the Spring of XXXX, I have disputed and resolved different attempted charges with XXXX XXXX ' fraud department due to fraudulent activity. I have reason to believe this matter is also a result of identity theft. Also, my name is not XXXX ; I know the debt is not mine.
Product: Credit card or prepaid card

On XX/XX/XXXX a merchant that I am unfamiliar with charged my card for {$1400.00}. This merchant was not authorized to charge this card, and I by attempted to use the merchant to do with this process, but all they use our chat bots who are completely useless under the banking laws. I am entitled to receive these funds back immediately as it was an auto authorize fraudulent charge. I should not have to wait six months for an investigation to get this money back as its been taken from a prepaid account which is tied to my checking account please in sure these funds are deposited back into my account in a timely manner. I do not know this merchant I did not authorize XXXX to charge my card.
Product: Money transfer, virtual currency, or money service

I am unable to remove my stored XXXX credit card ending in XXXX that I had on file with XXXX XXXX XXXX for 2 cancelled subscriptions under the account number XXXX login : XXXXXXXXXXXX Please read my account number and email above so that you are looking at the correct account. This complaint is under my XXXXXXXXXXXX Google account. Please do not close this complaint without investigating fully. XXXX XXXX XXXX closed my original complaint but my XXXX is still there. I can see it now. See screen prints attached. 
Also I am unable to close my Google Payments Profile. All Google 's website links are circular taking me back to the same location indicating I can not close my payments profile or remove my credit card. I cancelled my subscriptions to XXXX XXXX and XXXX XXXX on XXXX XXXX, XXXX. I have tried for 3 days to call and email XXXX XXXX with no results. XXXX XXXX XXXX. is licensed as a Money Transmitter in my state of Connecticut. Representatives from XXXX, XXXX XXXX, XXXXXXXX XXXX and XXXX XXXX told me that I must maintain a credit card on file even if I am no longer subscribing to any paid services, that I can not remove my XXXX until I replace it with another card, and to purchase a prepaid card. Additionally, my XXXX XXXX subscription was a " free trial '' subscription and the XXXX XXXX rep indicated due to " audit & compliance '' they must maintain my credit card on file but that it is encrypted and in cold storage. The screen prints below do not appear to support his assertion. This is unacceptable.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of accounts that are still reporting on my Credit Reports : XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX
Product: Credit card

CFPB complaint ID XXXX was inappropriately closed without the desired resolution. JPMC has acknowledged that feedback has been submitted to XXXX regarding the incorrect categorization of my wedding honeymoon fund contribution as a cash advance. In addition to this outreach, the specific transaction must be re-classified to remove the cash advance label, and all fees / interest / miscellaneous charges must be refunded back to me in full. There is a higher obligation beyond reporting the concern to the credit card network. A consumer-specific resolution is also required.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX I received a letter from XXXX stating that they are reporting my Home Equity Line of Credit ( HELOC ) as charged off on XXXX XXXX, XXXX with unpaid balance of {$24000.00}. 
They stated they canceled the balance owed on XX/XX/XXXX and issued a XXXX. and as a result updated charge off balance to {$0.00} on XX/XX/XXXX and reported to credit bureaus on XX/XX/XXXX. 

Further they state they carefully reviewed the account and did not find any misrepresentations, unfair tactics or tried to be deceiving. 
And that they are required to report accurately. 


The problem with these statements are my credit report shows a charge off in the payment history on XX/XX/XXXX. Then the next data entry shows a charge off on XX/XX/XXXX. 
The status shows a balance update and status of charge off update to be XX/XX/XXXX when they clearly said in the letter the balance was canceled on XX/XX/XXXX. If the balance is {$0.00} on XXXX, XXXX it should state XX/XX/XXXX not XX/XX/XXXX. 

The next problem is the XXXX they furnished in the letter and sent to the irs shows an identifiable event code of ( F ) By Agreement. This would have to mean that I made an agreement with them to cancel the debt owed for less than the full balance. This would be false. 

The date of the Identifiable event is XX/XX/XXXX. Considering the Irs regulations prior to XX/XX/XXXX. If a debt has not been paid for 36 months and active collection is not pursued then a XXXX is to be issued even if the debt is not discharged. The account was delinquent prior to XX/XX/XXXX and closed and charged off XX/XX/XXXX. A XXXX should have been issued prior to XX/XX/XXXX. So in this case the XXXX was issued in the wrong year with incorrect event coding Finally according to XXXX county land records there was a mortgage assignment filed for this account. The Assignment of mortgage was not to XXXX XXXX XXXX nor XXXX XXXX XXXX. Which gives reason to believe the incorrect creditor is reporting the debt and that they do not have a valid claim. Whether the Assignment of mortgage is valid is speculative considering the notary had been suspended and the agent on behalf of XXXX may or may not  have worked for XXXX. 

My actions have been contacting XXXX about the misrepresentations and they have stated the account has been charged off since XXXX but it is still open and they are reporting correctly. 
I disputed with Credit Reporting Agencies to validate the information which is clearly incorrect. The came back that they only report what they are told to and that it was validated. 
I have submitted a prior complaint to CFPB which contacted XXXX which responded with the letter that I have explained. 
I have continually ran into problems getting credit due to this account reporting the charge off as XX/XX/XXXX since Derogatory Credit waiting periods require 4 years though the Charge Off had occurred XX/XX/XXXX. The cancellation of debt was XX/XX/XXXX which is not a charge off especially if the account was already charged off.
Product: Credit reporting, credit repair services, or other personal consumer reports

In an attempt to place a protected consumer freeze on a minors account, my son, I sent required documents to Transunion on XXXX XXXX, XXXX. Received a letter stating they had received all required documents, not including {$5.00} fee. I sent a check with all those documents. Attempted, 3 phone calls on Monday, XXXX XXXX, XXXX, none of the documents can be located. This is such sensitive information and should be a way to contact the United States Office of Transunion. I kept getting disconnected every time they transferred me. Three numbers I called were, XXXX, XXXX and XXXX to no avail. Now with my sons information and mine floating somewhere at TRansunion ( or not, since no-one can locate it ) it is a security risk. Such poor handling of sensitive information.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Equifax has been non-compliant with removing the unverified account XXXX XXXX which has been deleted by XXXX on. XXXX  completed their research on XX/XX/2020 and determined that XXXX XXXX was not established by myself but XXXX and Equifax keeps verifying this accounts. Also, when I called the company they responded that XXXX or Equifax did not send them all of the verifying evidence to confirm each account is unverified
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the accuracy of information on my credit report maintained by your bureau. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681, I have not provided written consent for the furnishing of my information to your agency or the obtaining of my consumer information for inclusion in your credit reports.
Product: Debt collection

On XXXX XXXX, I was contacted by a debt collector by the name of XXXXXXXX RENT DEBT! Located at XXXX XXXX XXXX, XXXX TN XXXX, stating I owed rent at my old apartment which is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX! I let them know that this was an error! I did asked them to send me a summary of the account, they emailed me a list which stated that I didnt pay rent for 2 months! In return I sent them the receipt where I did in fact pay rent! In mid XXXX they put the collection on my credit which made my score decrease XXXX points! I was in the mist of looking for another apartment but kept getting denied because of my credit score!
Product: Money transfer, virtual currency, or money service

I submitted over 3 different complaints on cash app and never receive any good customer service at all my request to the dispute team was ignored and I was forced to restart the process over and over again. I Received a XXXX dollar payment from a friend for a business transaction, and it shows the payment was completed but my money is not there. I then attempted to put in several disputes but only got ignored
Product: Mortgage

Dear CFPB, I am writing to file a complaint against First Home Mortgage of XXXX  for misrepresenting the terms of my private mortgage insurance ( PMI ) on my FHA loan. 

About 3 years ago, I spoke with a loan officer from the Company, about obtaining an FHA loan for my home. During this conversation, I specifically inquired about the removal of PMI. The loan officer informed me that PMI could be removed once I met certain qualifying factors, such as reaching a specific equity stake in the home or completing a certain number of on-time mortgage payments. 

Based on this information, I proceeded with the loan application process. However, after closing, I was surprised to discover that the loan documents stated that PMI could never be removed from the loan. When I tried to go the First Home Mortgage to get it removed, I was informed that the loan terms were non-negotiable. 

I feel that the Company made false or misleading statements about the removability of PMI on my FHA loan. These statements induced me to proceed with the loan application, and I would not have done so if I had known the true terms regarding PMI removal. 

I request that the CFPB investigate this matter and take appropriate action against the Company. This action could include requiring the Company to modify the loan terms to allow for PMI removal under the conditions originally presented, or to provide other forms of compensation for the misrepresentation.
Product: Checking or savings account

To whom it may concern, Earlier this year I opened an account with E-Trade which included a brokerage and IRA account, and added a monetary deposit. I was looking forward to managing my finances with E-Trade after I was unsatisfied with my previous broker. Within a few weeks, I was no longer able to access my account online, instead I got a message confirming this and for more information to call E-Trade. After calling, I was told E-Trade has decided to no longer do business with me, but would not give me the reason behind this decision. I called a few more times and still was not told why E-Trade decided to terminate my account. Additionally, I was never returned my initial deposit.
Product: Mortgage

On XX/XX/2019 at XXXX Bayview Loan Servicing again called my work number and I have been fired from my job because of all their calls after XX/XX/XXXX there were suppose to be no more calls and I was told that my number was being removed which it was not and since Bayview continues to break Federal and Colorado Law with calls at work I am now unemployed because of them.
Product: Mortgage

I received an overage check dated XX/XX/year> and was informed, I then contacted the Wells Fargo bank to inform them the check was in my deceased husband 's name and to please reissue the check into my name and I was told to fax the copy of the check with my explanation to reissue in my name and I faxed that on XX/XX/year>. They advised I would receive the new check within XXXX  days. 
I did not receive the check in XXXX  days. I contacted Wells Fargo again, and was it was reissued and give XXXX  days, then I contacted them again and was told give them XXXX  days, and today I contacted them and asked for a definitive date and was now told to give them XXXX  days and today is now XX/XX/XXXX, XXXX.
Product: Credit reporting or other personal consumer reports

Inquirers on XX/XX/23 from JPMCB card services XX/XX/2XXXX XXXX XXXX XXXX Didnt inquire these myself. Someone else is doing it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX XXXX XXXX, have been a victim of identity due to the Louisiana Global DMV DATA BREECH ; all of my information, such as my social, phone number, and date of birth, has been exposed, and more. As a result, I have been a victim of identity theft, and after reviewing my most recent credit report, there are two inquiries on my report that I have no knowledge of, nor do I have an account with these companies. These two inquiries I have listed below are a result of identity theft. 

XXXX  | XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was wrongfully " Denied '' a new credit card because of some " negative '' entry on my " Experian '' credit report about 10 calendar days ago. 
This past Friday, I contacted " Experian '' to ask them to mail me my " FREE '' copy of my " Experian '' credit report for the above noted reason and " Experian '' told me " No. ''
Product: Payday loan, title loan, or personal loan

XXXX I applied for a loan using XXXX XXXX and XXXX XXXX links. I received and email beuling approved for {$4000.00}. Provided my banking information and Driver 's license. Was provided approval letter and asked to sign agreement. Was told they had to verify my banking information for deposit and payment. Then was given excuse they were having trouble and they would try again later. I never received the funds promised. XXXX XXXX is the loan associate direct line is XXXX. The loan officer was XXXX XXXX. I haven't heard from them on explanation. the loan application number is FL XXXX XXXX at 7 % APR..I never received the funds in my bank account as promised.
Product: Checking or savings account

In XXXX I signed on to XXXX XXXX and realized someone opened a loan at XXXX bank in XXXX Texas in my name. I have had fraud before and I immediately disputed this. XXXX XXXX checked the information and dropped the dispute. I live in California and haven't even opened a credit card lately because was working on increasing my credit score, nor a loan since college. I want this loan taken off my credit score because it is fraudulent. I will keep disputing it until this is done. Please I need your help. I am going to try to call the XXXX XXXX XXXXXXXX XXXX texas as well.
Product: Credit card or prepaid card

Recieved notice of a credit card being issued in my name that I never applied for while I was out of the country. Identity Theft / FRaud.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to the 3 Credit Bureaus was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XXXX, XXXX XXXX, XXXX XXXX  XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Account number XXXX Address : XXXX XXXX XXXX XXXX XXXX, CA XXXX Hello XXXX XXXX XXXX XXXX, This is XXXX XXXX and this is to inform XXXX XXXX XXXX XXXX that they are reporting inaccurately and I will explain and supply supporting documents to support my claim and I will and am needing an urgent resolution to this issue as this issue has caused a bunch of stress on me! On XX/XX/2020 I received a call from a representative asking for payment in the amount of {$1800.00}. On XX/XX/2020 I made the payment which after the payment was satisfied I received an email from XXXX XXXX XXXX XXXX as a confirmation that on XX/XX/2020 the payment in the amount of {$1800.00} was taken care of which brought the balance to {$0.00}. I logged in to my credit file and I saw that XXXX XXXX XXXX XXXX is reporting XX/XX/2020 and XX/XX/2020 late which is not accurate. I made the payment on XX/XX/2020 I am not late. I even was given an email confirmation which I will attach along with this letter. This is an error on behalf of XXXX and this must be rectified and resolved because this invalid information that XXXX is reporting on my credit files ( XXXX, XXXX, Experian, etc ) is inaccurate. I have proof I made payments on time. This must be resolved immediately please. Please reply ASAP. This needs an urgent resolution. I will also be reporting this concern to the CA Attorney Generals Office and with the CFPB along with mail a copy to the address that I was provided by XXXX XXXX agent ID XXXX  ) which is XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, IA XXXX. Please fix this issue and send me a letter confirming this has been fixed and resolved. Thank you in advance for all the help. 




XXXX
Product: Credit reporting or other personal consumer reports

Ive been in a hardship situation since an uninsured driver hit me head on. I was the holder of a XXXX XXXX and missed a number of payments. My balance was over {$1400.00}. XXXX sent me a letter indicating they were agreeable to a settlement on the account. I contacted the creditor and they offered a settlement of {$500.00} split into 3 monthly payments. I paid {$160.00} on XX/XX/XXXX, they withdrew automatically {$160.00} on XX/XX/XXXX and took {$160.00} on XX/XX/XXXX for a total of {$500.00}. I met the terms of the settlement and they sent letters confirming my payments. However, they then claimed I still owed almost {$940.00}. My credit reports which I have disputed despite my documentation show no payments for XXXX & XX/XX/XXXX and the credit bureaus say the creditor has confirmed this. There is NO mention of a settlement, my reports say the Creditor did a write off of over {$930.00} and a Manager at XXXX even told me on the phone to dispute it because he said the payments had been made. That manager, XXXX, even gave me the address in XXXX XXXX  where I should mail my dispute. Ive followed up with them as Ive been disputing with the Credit bureaus and they never replied. This is a violation ( incorrect reporting on my credit reports ) of the FCRA and I have nowhere else to turn. I hope theres a place for me to attach support documentation. I need your help. Thank you. XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Fifth third is reporting incorrect information and will not : 1 ) contact me ( they are trying to contact my WIFE! ) 2 ) remove the erroneous marks 3 ) fix the reporting 4 ) delete the negative reporting 5 ) DO anything!

This very frustrating as this is my SECOND complaint now! I already submitted a complaint and they tried to contact my wife, not me. 

This is XXXX XXXX and 5th3rd needs to delete this off my credit as it is not correct.