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

I seen accounts on my credit profile and it is a violation of my rights FCRA 605B ( 15 U.S.C. 1681c-2 ) ( a ) Block. Except as otherwise provided in this section, 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.days I just got my credit report and some Accounts on my credit report are incomplete and inaccurate which is a violation of 15 USC 1681e ( b ).

You also violated 15 USC 1681s-2 ( a ) & ( b ), 15 USC 1681 ( 5 ) ( A ) ( ) & ( ii ) Any person who fails to comply and fix this matter will be held liable under 15 USC 1681n which is civil liability for willful noncompliance. Furthermore, as you can see from the information above, your agency is not reporting accurate information. According to [ 15 USC 1681e ] ( b ), Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual to whom the report relates.

You are in violation of the FCRA, [ 15 USC 1681b ] ( a ) ( 2 ) : ( 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 offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the information you're reporting.

My rights were violated, especially my right to privacy, according to [ 15 USC 1681 ] ( a ) ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumer 's right to privacy.

I, therefore, request that you immediately delete the items specified above from my consumer file with your agency. Failure to do so will require that I take appropriate legal action.

All these violations are a direct violation of 15 USC 1681. No consent is identity theft, and these violations are Aggravated Identity theft, according to [ 18 USC 1028A ] ( a ) ( 1 ). You have knowingly transferred, possessed, and used, without lawful authority, a means of identification of me, which is a felony punishable up to 2 years of imprisonment, in addition to civil liability.

For damages, I am invoking my rights as a consumer pursuant to 15 USC 1681 ( n ) civil liability, and I demand compensation for every violation listed below ; 1 Permissible purpose {$1000.00} Defamation of character {$1000.00} Damaged reputation {$1000.00} 4 Damaged credit worthiness {$1000.00} Damaged mode of living {$1000.00} 6 Infringed on right to privacy {$1000.00} Cease the reporting of this erroneous and deceptive information on my consumer report. Delete the specified accounts from my consumer report and all your systems. 
Sincerely PLEASE DELETE THIS ACCOUNT IMMEDIATELY
Product: Debt collection

We received your complaint. Thank you. 
We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. 
YOUR COMPLAINT This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. I am formally requesting the blocking and deletion of these accounts. It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

I have two closed accounts with capital one That are not mine and are over 7yrs. They changed the report dates of when they were closed. They were closed in XXXX and they were change to XXXX. It was removed off my XXXX but XXXX XXXX XXXX fail to remove it. 

XXXX XXXX bal. amount of {$1800.00} XX/XX/XXXX bal. amount of {$710.00} I have a close account with XXXX XXXX that I was making payments on and they closed my account while I was making payments. I am not over my limit and they close my account saying I was behind and reported me to all 3 bureaucracy 's as a close account. This I formation is wrong XX/XX/XXXX balance {$5300.00} and credit limit {$6000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This information needs to be removed from my account because the reporting agencies all have different numbers ( amounts ). Please have this removed from ALL OF my credit reports.
Product: Credit card or prepaid card

I have concerns that Chase is not adhering to the Fair Credit Billing Act, as it relates to my rights to an equitable, timely, accurate, and fair dispute process. The Company is also failing to acknowledge and directly reply to my many inquiries, correspondence, and requests for information on this matter. Additionally, no one in the relevant departments has been made available to me to discuss my case in detail, to achieve a mutually satisfactory resolution, despite multiple requests and unreturned messages. Lastly, I have been refused in my requests to pursue arbitration on this matter, which I believe is my right. 

I have had prior CFPB complaints regarding Chase, but this complaint pertains to entirely new issues, as Chase in its recent correspondence to me and the CFPB ( dated XX/XX/2021, attached ) has made a number of new omissions, misrepresentations, and/or mistruths, apparently in an attempt to uphold its original improper judgment. The at best disingenuous nature of essentially all of Chases responses in this letter highlight the need for a third party arbiter to cut through the noise and sanction the Company for its failures.
Product: Debt collection

US Bank calling from XXXX XXXX/XXXX/2016 @ XXXX XXXX called & refused to remove our business number from their system, as well as stop calling here for XXXX XXXX XXXX I said, our staff ca n't recieve calls. The lady refused to remove our number & told me tell XXXX to call them & hung up on me.
Product: Debt collection

this company never notified me of this debt or given me the opportunity to dispute it before it hit my credit report. When I moved from the service address XXXX was not available in my new area and I was told no further debt would be owed because they were not able to establish service at my home.
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 : XXXXXXXX XXXX XXXX XXXX XXXXXXXX and 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: Credit reporting or other personal consumer reports

PERSONAL STATEMENT CFPB I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent certified letters to all three credit bureaus requesting an investigation and deletion of the XXXX XXXX XXXXXXXX from My credit reports. I am facing an extreme hardship and this account is effecting my credit negatively I have been denied credit and Loans for House purchases. I sent all the proof they need to have this deleted and they all have violated the FCRA laws, which are in place to protect consumers. The credit bureaus have a responsibility to report accurately and to respond to disputes in a timely manner. 
And they have ignored me.
Product: Credit reporting or other personal consumer reports

all personal information is incorrect, there are 3 names that do not apply to me as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Also there are multiple addresses that are not associated with me either and they are as follows : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
there is also a collection they are refusing to remove which is XXXX XXXX XXXX balance XXXX dollars Date reported XX/XX/XXXX, XXXX are also inquiries that do not belong to me, i have not applied for any of these accounts, they are in no way associated with me. XXXX is very very difficult when requesting for them to rectify inaccuracies on my credit report as does XXXX however lets start with XXXX these are the accounts that need to be XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Also They are refusing to remove the bankruptcy which has been XXXX XXXX XXXX XXXX XXXX with a filing date of XX/XX/XXXX, XXXXPlease assist with XXXX being compliant by encouraging them to please remove all inaccurate information, this is affecting my day to Day living and is Hindering me from obtaining a place to live and from obtaining gainful employment. 
My correct Name is as Follows XXXX XXXX XXXX and My Correct address is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, my Telephone Number is as follows : XXXX. My Email address Is as Follows : XXXX. 
Please feel free to Contact me if necessary at your earliest convenience. 

Thank You
Product: Mortgage

I can not get assistance from Caliber Home Loans to address my payment transactions. I have paid my mortgage payment every month. I do not pay monthly, I split my payment and send money orders in twice a month. I pay more than required.
I have asked Caliber in writing and over the phone on numerous occasions-Certified Return Receipt Mail to change my address to my correct mailing address which is my home-the property which I have a loan on.
They have refused to change my address. All of my mail goes to my mother 's address which is where I lived before I purchased my home.
No matter what, they refuse to change my mailing address and they return my payments to my mother 's home which I have no knowledge of until I go to my mother 's home and sift through the junk mail.
The only time I get any resolve is when I overnight letters and payments to the overnight address in XXXX. I wind up putting all the returned money orders and send them directly to the overnight address. But I work long hours and can not always get inside the post office to send a Return receipt overnight package. It 's easy for me to just drop it in the mailbox.
Caliber can see the actual dates of my money orders and the amounts. I have proof of every payment-I pull the money directly from my account on my payday.
My money orders are issued during the same month that the payment is due. I may not pay by the XXXX, but I pay before the month is out-splitting my payments.
I tried to set up my account for automatic deductions from my checking account but the system would n't allow me because it said my account was n't current.
I currently owe for the month of XX/XX/XXXX, but before I send my payment out, I would like help from someone at Caliber to go through my account and change my mailing address.
My taxes and insurance should be paid from my escrow account and my insurance agent just emailed me on XXXX XXXX, 2017 to tell me that my insurance policy was n't paid for by my mortgage company.
I need help. I am very very frustrated. I only owe for the month of XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 602 A Section : It also states a consumer reporting agency can not furnish an account without without my written instructions.
Product: Debt collection

On  XXXX   XXXX ,  2017  and the past week we have been receiving a voicemail messa ge from Arnold Scott Harris PC from the phone numb  er (   XXXX   )   XXXX . The voicemail message indicates that the firm is attempting to collect a debt. Our family has never lived or travel to  XXXX , Illinois. According to the website  XXXX  this is a scam.
Product: Credit card or prepaid card

Several Dispute Letters sent to company and the Credit Reporting Agencies in reference to the accuracy of Discovers reporting. I applied for a DISCOVER XXXX credit card XX/XX/2020 and was approved however when I received the credit card and tried to activate, I couldn't. Discover stated they had to verify my identity before I was able to activate the credit card yet I had paid money for the credit card. Two weeks later Discover stated they couldn't verify my Identity so they were issuing me a refund. However Discover reported a line of credit to the credit reporting agencies the hit I took on my credit report after Discover closed the account that had never been open was XXXX points. 
The account is reported to All Credit Reporting Agencies as a Closed Credit CARD ACCOUNT AND IT SHOULDNT.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied to an apartment complex because i need to relocate. i received an adverse letter from XXXX due to negative reporting on my consumer credit report. I the consumer was never given an option by XXXX to opt-out of reporting nor was given the required disclosures explaining I had the choice to opt-out, therefore XXXX is in violation of 15 usc 6802 and 15 usc 1693l for waiving my consumer right in agreement.
Product: Debt collection

I have made several attempts to remove this debt from my credit profile this a misrepresentation of my character. I have no business dealings with this company. I have disputed this information with all XXXX bureaus Experian is the only XXXX holding on to this debt without providing proper reason for verification. I 've seen no proof none whatever other than a dunning letter for collection purposes. I also received letter asking for additional information to dispute this information. I realize that Experian is notorious for stall tactics, but this is simply unacceptable to me. This is why consumers have laws such as fair debt collections practice act and fair credit reporting act to protect the consumer from this type of abuse. Another observation made to add injury to insult the same debt is reporting twice with different amounts which is a direct violation of these acts put in place to protect me. I am outraged at this theses violations to collector and Experian please help me resolve this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am interested in disputing all inaccurate information on my credit report with experian. checking my file ive noticed alot of data that is hindering my file. please remove the information asap.
Product: Credit reporting or other personal consumer reports

I reviewed my consumer reports and noticed I had two late payments on an account I was never late for. Consumer reporting agencies have assumed a vital role and are responsible for reporting consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts, so I have included screenshots inside this complaint for XXXX XXXX XXXX XXXXXX/XX/year>. Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided, I demand these payments be updated to paid as agreed on time as they should be due to the fact I was never late. Thanks! Please see the screenshot attached :
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX # XXXX XXXX report as a charge off by a debt buyer and has inflate the balance. suppress any information unauthorized by consent.1681q obtaining information under false pretenses : any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined XXXX unauthorized disclosures by officers or employees : providing information concerning any individual from the agency files to a person not authorize to receive that information shall be fined {$5000.00}. Section 5 ( a ) of the FTC ACT 15 USC 45 ( a ) prohibit, unfair, or deceptive acts or practices in or affecting commerce.According to the ( debt bondage repair act ) prohibits, a consumer reporting agency from reporting adverse credit information about a consumer that is the result of severe trafficking in financial information. I fraudulent misrepresentation is unlawful.
Product: Checking or savings account

Synovus Bank has locked my online checking account access and is not allowing me access to funds transferred to the bank to fund the account by ACH. I was notified of these actions through emails on XXXX/XXXX/21. I have since contacted the bank 3 times now and nobody can/will tell me what is going on and refuse to let me talk to the department in charge of locking my account. Also, I am being told that my account may remain in this status up to 60 days, which is unacceptable.
Product: Credit card or prepaid card

On  XXXX  I revived a letter from c apital one fr om a   XXXX   XXXX   therating me for closing of my account because of my behavior but no where on 'this letter they say they violated my civil rights an d American with disabilities act law.w  ow I 'm in  real shock can you please get me to the president or Vice President of c apital one and tha t 's all I would like to talk to about all these issues.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am name is XXXX XXXX XXXX and this complaint to TransUnion was the result of their non-compliance to my request and for their refusal of getting the items, listed below, to be removed from my credit reports. They neither removed nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Under FCRA, 30 days without responding to the requests I have sent should be considered as an immediate deletion. So please, I am sending this complaint to seek help and assistance to help me delete the concerned items for they were found erroneous and unauthorized. 

Chapter XXXX bankruptcy discharged Reference number : XXXX Amount : -
Product: Bank account or service

On XX/XX/XXXX I purchased an armchair from XXXX for about {$450.00} using my Bank of America Debit Card. The transaction was immediately reflected in my online bank account. My armchair was set to be delivered on Thursday XX/XX/XXXX. On XX/XX/XXXX my armchair arrived and later that day by XXXX I received an email notification from XXXX that my card was charged. Come Friday or rather Saturday at XXXX I received an email from Bank of America stating that my balance for my checking account was below {$25.00}. I had just gone out to eat and so that made sense. I check my bank account and it says that I have {$500.00}, now that did not make sense. It was not payday so I should not have had any direct deposits. I scrolled back through all my recent charges and finally realized that the charge for my XXXX armchair was missing. With the charge gone my account now claimed that I had an extra {$440.00} that it really did not have. I have heard of Bank of America moving around people 's charges so that they will incur overdraw fees. I felt certain that this was the case. If XXXX had charged the card on Thursday XX/XX/XXXX at XXXX why would n't the charge be there Saturday XX/XX/XXXX at XXXX? At the very least it should at least say that it was processing. It was not there at all. More confusing still, the charge used to be accounted for. The last time I had checked my bank account balance that week I had only about {$100.00}, now I had a little over {$500.00}. Throughout the weekend I tried not use this checking account ( I have another ) just to see what would happen. By XXXX Monday XX/XX/XXXX my account still said that I had an extra XXXX something dollar. I placed a call with consumer finance to make sure that my story seemed appropriate for filing a complaint. I was going to go to Bank of America to ask that they fix my account but I arrived at the bank after closing hours. By XXXX Tuesday morning my account balance was accurate, it said I had like {$15.00} in that account and the XXXX armchair charge was labeled as " processing '' since XXXX XXXX. I 'm confused as to why it was labeled for XX/XX/XXXX when it certainly was not visible in my account on XX/XX/XXXX. I am thoroughly convinced that Bank of America was " hiding '' this charge from me, hoping that i might think I had more money then I actually had and overdraft my account. I have provided screenshots of my account statement showing all the charges from XX/XX/XXXX all the way through to XX/XX/XXXX. You can see that the charge is not there. I also provided a screenshot of the email from bank of america stating that, that account had below {$25.00}. I also provided a screenshot of the XXXX email claiming that my card had been charged on XX/XX/XXXX at XXXX and that the order was placed XX/XX/XXXX. Finally I provided a screenshot of my account that shows the XXXX charged labeled for XX/XX/XXXX.