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

XXXX, XXXX and Experian has violated my federally protected consumer right to privacy, confidentiality and agencies not reporting 100 % accurate information under 15 U.S.C 1681. 
Since l submitted Since l submitted complaints to Consumer Financial Protection Bureau ( CFPB ) Complaints XXXX for XXXX ID # XXXX, Experian ID # XXXX and XXXX ID # XXXX the agencys has reach out to XXXX XXXX XXXX XXXX XXXX XXXXXXXX and XXXX XXXX  which is three out The several reporting companies l complaint to CFPB on XXXX concerning reporting inaccurate informations. The companys had changed their information to corrected the information reporting and sent the information back to XXXX, Experian and XXXX. Over the past several years l have disputing a lot of the inaccuracies information with the companys and credit bureau agencys until l filed the complaints with the CFPB thats when the Credit Bureau and Companys is now starting to correct the inaccuracy information been reported by the companys. Im uploading he changed they made because l filed the XX/XX/2022. There are several more companys that l addressed in my complaints on XXXX waiting to hear from the credit bureaus when changes going to occur. The inaccuracy information had impacted my life and Improper use of my report l did not give the Credit Bureaus written permission to furnish my account or my information. I have the right to privacy 15 U.S.C 1681.

Improper use of my report and furnish inaccurate information has violated my right. 15 USC 1681 section 602 A. States l have the right to privacy. 15 USC 1681 section 2. It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1681c ( a ) ( 5 ) section states : no consumer reporting agency may make any of the following items of information. Any other adverse items of information, other than records of convictions of crimes which antedated the report by more than Seven years. 15 US C 1681 s-2 ( A ) ( 1 ) A person shall furnish any relating to consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
Im demanding that the accounts in the complaints ID # XXXX, # XXXX XXXX and # XXXX XXXX be permanently and immediately removed from my report in accordance with 15 USC 1681
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX, a federally protected consumer, am filing this complaint against JPMCB Card Services and there is no third party involved. I have sent out a letter to JPMCB Card Services mailed certified dating XX/XX/XXXX. JPMCB Card Services is in violation in regards to the information being furnished on my consumer report. I, the consumer, never gave JPMCB Card Services any written consent nor authority to report to my consumer report. NO CONSENT = IDENTITY THEFT. The following fraudulent inquiries from JPMCB Card Services. I did not initiate, authorize, benefit from, nor consent to any of the listed inquiries and I demand they be removed from my consumer report IMMEDIATELY, as they are a result of identity theft. 1. JPMCB Card Services : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. These fraudulent items on my consumer report is preventing me from having an equitable consumer report and causing great troubles obtaining personal property for my household needs. If JPMCB Card Services can not provide to me a copy of when I sent a written permissible purpose to furnish these inquiries, I DEMAND these fraudulent, unauthorized inquiries be remove from my consumer report within FOUR ( 4 ) DAYS! If my demands are not met, I will hold JPMCB Card Services CIVILLY LIABLE UNDER 15 USC 1681N FOR WILLFUL NONCOMPLIANCE AND AGGRAVATED IDENTITY THEFT PURSUANT TO 15 USC 1681A ( Q ) ( 3 ). Attached is an FTC IDENTITY THEFT REPORT AND THE ORIGINAL CORRESPONDENCE SENT TO XXXX XXXXXXXX.
Product: Credit reporting or other personal consumer reports

sent multiple dispute letters to XXXX, XXXX, and Transunion to verify that this was my debt. They have not responded or removed these XXXX accounts from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  and Equifax are reporting Delinquent, in collections, late, and Derogatory statements on my credit bureau report. I have called the Department of education several times and have been told that they have provided the credit bureaus information to remove this wrong information since XXXX. My student loans are not in default or late. On XXXX XXXX I spoke to XXXX a supervisor at Department of education and was told they are not reporting anything negative to the credit bureaus. On XX/XX/XXXX I called XXXX spoke to supervisor XXXX and explained to her that I also needed them to send me an letter stating I am not in default, and they are no longer servicing my loans. I was told that the letter would be emailed to me, she verified my email address, and of XXXX XXXX I still have nothing from XXXX. I was told by XXXX that they have not reporting anything to the credit bureau since XX/XX/XXXX. I am attaching the letter that I received from the Department of education
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, my wife and I sent investigation requests to XXXX and Trans Union. They were supposed to investigate the errors on our report, and respond within 30 days. They have not.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, 2020, XXXX add a hard inquiry on my credit report per XXXX. 
On XXXX XXXX, 2020, XXXX XXXX add a hard inquiry on my credit report per XXXX. 
On XXXX  XXXX, 2020, FNB OMAHA add a hard inquiry on my credit report per XXXX. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Product: Credit reporting or other personal consumer reports

This is SECOND time I submit this same issue! I have attached all relevant documentation. Upon looking at the screenshots you can see that this simply DOES NOT MAKE SENSE! I have submitted multiple complaints with Experian and XXXX and nothing gets done. Now I am submitting this to YOU the GOVERNMENT for a second time hoping something gets done! 

My credit report is showing a balance that is not true! the latest date they have updated is as of XX/XX/year>. I have attached balance statements as of XXXX and the screenshots of my credit report are taken as of XXXX. If you simply compare the XXXX Balance Statement with the XXXX Experian screenshots you can clearly see that this information is completely WRONG! 

Please help me fix this!
Product: Student loan

With regard to actions I have taken to resolve the issue with the company, I have called and emailed the company over a week ago from today 's date XXXX. In addition, I have discovered new errors in my loan that suggest bad faith tactics at the hands of a predatory lender. Below I will clarify the issues I have contacted the company about and the new issues I have discovered in regard to my loan. 

Problems I contacted the company about on XXXX, I called and emailed : XXXX. My loan was agreed to have a FIXED interest rate of 5.69 %, but they have increased it to 5.94 %. 

XXXX. My monthly payment is currently {$220.00} because it increased from {$220.00} when it shouldn't have. 

The company 's response : They recognize the issue, but have no idea when it can be fixed. And currently I am still on tract to pay the higher monthly rate of {$220.00} New-found problems that lead me to believe this company is conducting predatory lending tactics : XXXX. My loan was supposed to be {$20000.00} at 5.69 % APR with payments made over 10 years. Now after calculating these numbers, my monthly payments from the beginning should have been {$210.00} after taking out the full {$20000.00} for school, NOT {$220.00} which they later increased further to {$220.00}.
Product: Checking or savings account

on XX/XX/2021 I deposited {$1300.00} to My us bank checking in cash to pay for My laptop for college at XXXX. my card was being declined at XXXX XXXX so i called US bank who told Me I hit My spending liMit for today using the card so i would have to wait another day just to Make a purchase. well as soon as i go hoMe i see a {$700.00} charge froM XXXX and us bank just took its provisional credit back and charged Me fees for a fraudulent charge WHICH IS UNACCEPTABLE. now i will be reported to XXXX if us bank doesnt fix the error! I will be going to another financial institution and thats what I RECCOmmEND FOR EVERYONE ELSE! DO NOT PLAY WITH US B
Product: Credit reporting, credit repair services, or other personal consumer reports

I received an alert on my XXXX  and XXXX credit monitoring service that a hard Inquiry was placed on my credit report by Capital One on XX/XX/2018. How is this possible because I placed fraud alerts on my credit report. Someone tried to obtain credit using my information. I have not applied for any credit with Capital One. I also, filed a police report a few weeks ago because of my missing wallet which contained my Driver 's License, Military ID, Social Security Card and Debit Cards. Please remove this hard Inquiry from Capital One.
Product: Credit reporting or other personal consumer reports

I sent in multiple dispute letters to the credit bueros, for inaccuricies that they were reporting explaining to them to correct it and that it was identity theft they still continued to report the information after I told them it was not mine XXXX XXXX XXXX XXXX XXXX XXXX A few other disputes I have That I do not have infornt me right but i sent last year as well
Product: Debt collection

[ person whose name appears on agency 's notice to you ] : Thank you for your recent inquiry. This is not a refusal to pay, but a notice that your claim is being disputed. This is a request for validation made pursuant to the Fair Debt Collection Practices Act. 

Be advised that I am not requesting a " verification '' that you have my mailing address, I am requesting a " validation ; '' that is, competent evidence that I have some contractual obligation to pay you. 

You should also be aware that sending unsubstantiated demands for payment through the United States Mail System might constitute mail fraud under federal and state law. You may wish to consult with a competent legal advisor before your next communication with me.

Your failure to satisfy this request within the requirements of the Fair Debt Collection Practices Act will be construed as your absolute waiver of any and all claims against me, and your tacit agreement to compensate me for costs and attorney fees. 

Sincerely,
Product: Checking or savings account

There where two separate debits from one of my account. One for {$500.00} and the other for {$1600.00} as a over payment from one of my accounts. I have filed a claim back in XX/XX/2020 for the amounts. I have provided the original form of payment that was used on several different occasions even going into the bank to both fax and email proofs. When I filed the complaint I was told that all I need to do is show where I made this purchase with a different payment method. I was also told time and time again that these funds would be back into my account in 24hrs, 48hrs, next Wednesday or next Friday and it never happened. I asked that all the calls be pulled on this case and I have filed a complaint with executive offices. I have spoken to at least 5 people in this department and am consistently told that someone will reach out to me to no avail.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, XXXX XXXX XXXX added a derogatory mark on my credit report per Experian. Upon further research, this account was transferred/sold and I am no longer responsible for the account. Debt Creditor did not verify this collection. Also, there was no written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and says it's mine. According to the FCRA, XXXX XXXX XXXX has violated my rights as a consumer and Im requesting legal action to remove this account immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is showing an open account with a balance and I am not the owner, don't even know who the company is. Balances owning to other accounts are incorrect as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$4200.00} {$7700.00}, {$0.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- OPEN ACCOUNTS 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XXXX XXXX, XXXX with a balance of {$4200.00} -This is not my account. 

2. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7700.00} -This is not my account. 


-- AUTO ACCOUNTS 3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Product: Credit reporting or other personal consumer reports

I looked at my report on XX/XX/year>, and noticed some things are incomplete and not accurate. According to fair credit reporting act, 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 about whom the report relates. This account, Capital One # XXXX is not complete and acccurate. And one more thing aaccording to 15 USC 1681s-2 A person shall not furnishany information relating to a consumer to any consumer reporting agency if the person knows or had reasonable cause to believe that the information is inaccurate. Check the attachments below.
Product: Debt collection

I received call @ XXXX on XX/XX/2019.. the collector asked my for the make and model of the car, I provided the the information and I guess he wasn't paying attention and kept asking me for the correct information. I said I have you that already and advised me that he was speaking to XXXX XXXX and the payment will be there on Friday ... He said I can't document it because he didn't her the unit ... I advised him of the arrangement again, and he stated that if I didn't repeat myself, they will keep calling me calling me ... I repeated the arrangement and then asked for the supervisor.. I explained to her the something, and she refused to document the arrangement. I the received a call at XXXX XXXX on XX/XX/XXXX and XXXX on my work phone XXXX ... for an arrangement that I have to both the collector and the supervisor ... I told them not to call me because the have the arrangement and if they did that I would report the company for harassment ... The response was That is your " discretion ''
Product: Payday loan, title loan, or personal loan

in the mail i received checks for a loan to just write out yourself. there was a 3 % fee the 0 interest for 18 months. i called the company and asked them how it would work because i charge XXXX to XXXX every month and pay it off to avoid interest and i was told that as long as i pay off my total charges plus make the minimum payment i would have no charges. the first month I had a interest charge even though i paid my charges in full plus an extra {$200.00} on the no interest loan. I called and was told it use to be that way but now they apply the whole amount to the 0 interest. well that means you don't get a 0 % loan because they never pay off your high interest card and charge interest on that. now i received the second months statement with interest again. so instead of paying the 3 % to get a 0 % loan we paid 3 % on {$3000.00} and now have to 23 % on the credit card balance because they only apply it to the loan not the card you are trying to pay. so i paid 3 % so they can charge 23 % plus what i had to pay them for the loan
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/22 I sent an identity theft report, via certified mail, that was received. This mail included a copy of my driver 's license, social security card, and a utility bill to XXXX XXXX XXXX, Equifax Information Services XXXX LLC, and XXXX XXXX XXXX XXXX because I am a victim of aggravated identity theft. According to 15 USC 1681c-2 ( a ) a consumer reporting agency must block the reporting of any information in the file of a consumer that identifies as information that resulted from an alleged identity theft, not later than four business days after the date of receipt by such agency. 
They, the credit bureaus, failed to block and remove all the accounts on the FTC Identity Theft Report. 
My credit report is still reporting an account for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
This has caused me tremendous anxiety, stress, and financial hardship.
Product: Money transfer, virtual currency, or money service

Hello, I have transferred some funds to COINBASE AND XXXX to purchase Bitcoins and Ethereum over 5 weeks ago.

Due to some computer XXXX  ( according to COINBASE ) my account was flagged and as a result My account was frozen with all my Coins in the account.

I have contacted them NUMEROUS Times Via E-mail and Phone calls and all I'm getting is that a specialist will be in touch with me to resolve my issues and unfreeze my account.

I have been patiently waiting for them to address my issue, but so far I have not been able to get a hold of anybody that can resolve this situation.

Meanwhile, I have missed several opportunities to make profitable investments, and also I can not withdraw my coins or Money to transfer to a different exchange.

Please help me resolve this issue as ( being a Single mom with single income ) I can not afford to have money stock in a frozen account for absolutely no Legit reason.

Thank you so much XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT -- 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$1000.00} -This is not my account.
Product: Debt collection

This is a shady collections company. 

They failed to follow any of the legal ways to contact me before reporting me to a credit reporting agency. This debt wasn't even known. They ruined a home sale that was about to take place. 

Per CFPB A debt collector must use at least one of the following ways to contact you about your debt before it sends information about the debt to a credit reporting company : Speak with you in person Speak with you by telephone Mail you a letter and wait a reasonable amount of time ( generally 14 days ) for a notice that the letter wasnt delivered Send you an electronic communication and wait a reasonable amount of time ( generally 14 days ) for a notice that the message wasnt delivered. 

None of the above was completed. I have 2 years of emails and none from them. They reported me without calling, mailing, talking in person or sending a email. Their email 's get sent to spam by XXXX or don't come through. 

This is known by this company yet they shady practices.
Product: Debt collection

I get this account bill to my house, I had Medicaid coverage, bring the bill to the department of Children and Family, send them a fax in XXXX occasions so that it will be settled, then no receive any information about this situation, checking my credit report I find this account, seeing it reported I contact with the company I explain the details of my medical coverage respond to what it was late because he had already reported that if could remove called before being a communication error between the hospital and the agency, requested delete it from my report I paid already the same, I not responsible for data error that did not occur correctly between companies at the right time.
Product: Credit reporting or other personal consumer reports

These hard inquiries are fraudulent and do not belong to me. I did not authorize anyone to access my report or make these inquiries : 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 XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to buy my first vehicle and the salesman pulled my credit and told me that my credit was pretty bad for the amount I was trying to get approved for I asked him what was the problem with credit and he showed me my report. These are many derogatory items that do not belong to me. Please remove these items from my account. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Our loan was sold to PHH Mortgage and they not releasing my escrow for taxes that they collecting nor they releasing money for insurance we already paid for a full year PHH Mortgage # XXXX PHH Mortgage XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX www.phhmortgage.com