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

I did not consent to, authorize, nor benefit from the following account. I want it blocked & removed immediately. XXXXXXXX XXXX XX/XX/year>
Product: Debt collection

This complaint is regarding accounts. Per track, it's been several months with no information given, no investigations performed, and timely updates. Violates federal 15 USC 1692gf. I never authorized or given permission per 15 U.S. Code 1681 ( b ), which violates permissible purposes moreover, 15 U.S. Code 1681e ( B ) The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reported.
Product: Credit reporting, credit repair services, or other personal consumer reports

Negative account name : Unconstitutional For-Profit Company FAMILY SUPPORT DIVISION XXXX XXXX XXXX XXXX CRA ) and Experian ( CRA ) is Improperly reporting late payments without my written permission on the fraudulent account listed above resulting in improper use of my consumer report and violation of my privacy rights. 

In accordance with the Fair Credit Reporting Act this creditor has violated my rights. Under 15 U.S.C. 1681 Section 602 states that the consumer have a right to privacy. 15 U.S.C. 1681 Section 604a Section 2 it also states that a consumer reporting agency can not furnish an account without the consumers written instructions. Under 15 U.S.C. 1666b ( a ) a creditor may not treat a payment under a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Fortiva credit card was paid off in XX/XX/XXXX and reported lost in XX/XX/XXXX. 
I completed an affidavit in XX/XX/XXXX on the lost card and submitted it to Fortiva. 
I have not received a response since. 
In XX/XX/XXXX, Fortiva is tracking an {$800.00} balance on the lost card. 
Fortiva asked for another affidavit, this time to dispute the charges on the account. 
Fortiva has been reporting late payments to my credit report on the lost card since XX/XX/XXXX. 
I documented the entire history in a dispute in XX/XX/XXXX again. 
I have heard no response upon receipt nor the next steps in the dispute process.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX and XXXX of 2021, I filed a dispute with this credit bureau about the unverified U.S. Bankruptcy Court case number XXXX XXXX. In those 2 months I have asked numerous times for a response into their investigation and I have not received anything in response from this bureau in over 2 months.. So now I'm contacting the CFPB to step in and help me get this issue resolved because I have not received a response from this company about these unverified accounts as of today. Thank you
Product: Mortgage

As of XX/XX/XXXX XXXX XXXX my previous loan servicer for the past 10 years and my current loan servicer Select Portfolio Service starting XX/XX/XXXX has failed to communicate with each other regarding the incorrect monthly payment amount of {$4300.00} With Property value of over {>= $1,000,000} according to XXXX XXXX. As of XX/XX/XXXX Incorrect information is being reported to the consumer credit reporting agencies that my mortgage amount monthly is {$4300.00}. By supplying incorrect information to Consumer reporting agencies I lost my leased car and I was not able to finance it due to low FICO score. 
XXXX never admit it or made any effort to correct their mistake by doing the right thing and fixing my monthly mortgage payment did the amount that I am legally supposed to pay. 
I have evidence of registered letter and making phone calls to XXXX XXXX  and filing a complaint regarding my case with the consumer Financial Protection Bureau asking XXXX to please make correction to my monthly mortgage. All my phone calls were ignored and my letters that I send certified mail was not acknowledged. ( Responding back to Consumer Financial Protection Bureau XXXX XXXX  clearly stated that my property value is XXXX dollar or more and I am legally obligated to pay {$4300.00} XXXX  and they are not willing to make any correction in what there are reporting to Consumer reporting agency is also correct. ) I am providing XXXX XXXX and Select Portfolio Services with the documents that I have from XXXX County and the statements that I printed from the website of Select Portfolio Services and XXXX   XXXX servicer as evidence the XXXX  was dealing with me unfairly and I was right all along I had a document from XXXX County saying that my property value is only {$800000.00} in my exemption is {$7000.00} so that brings down the value of my property not up.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute a public record that has been erroneously or fraudulently associated with my name and personal information. I believe that this record is inaccurate and the result of identity theft or other fraudulent activity. After reviewing the details of this record, I am certain that I have not been involved in the circumstances listed. 

XXXX XXXX XXXX Reference number : XXXX
Product: Mortgage

Effective XX/XX/XXXX, my previous mortgage company XXXX sold my mortgage to Nationstar mortgage. There has been nothing but problems since day one. The two latest problems are the most serious. 1. On XX/XX/XXXX, I received notice from Nationstar that they sent {$10000.00} to XXXX XXXX Az. sewer improvement district for delinquent taxes. I called the XXXX XXXX XXXX office and was told there was no money owed to them. I called them again today ( XX/XX/XXXX ) and they told me they never received the {$10000.00}, and if they had it would be returned to Nationstar as no money was owed. Nationstar says they have n't received anything back. Every time I call them they tell me it 's being investigated. I have requested documentation from Nationstar, but they either will not or can not provide it. I have now received notice from Nationstar that effective XX/XX/XXXX, my monthly house payment is going from {$390.00} to {$1100.00} to make-up the escrow shortage for the money that was never owed and is now missing. 2. On XX/XX/XXXX, Nationstar received a bill from XXXX XXXX XXXX in the amount of {$380.00} for homeowners insurance. On XX/XX/XXXX I received notice from XXXX that Nationstar had not paid the bill. I called Nationstar and they first claimed they never received it. They put me on hold for ten minutes. They came back on the phone and said they found it and would pay it immediately. On XX/XX/XXXX, XXXX notified me that the insurance was paid. On XX/XX/XXXX, I received notice from XXXX that there was a {$10.00} balance. I called XXXX  and was told the CHECK FROM NATIONSTAR BOUNCED. Nationstar had since sent a second check, and the {$10.00} was a bounced check charge. XXXX contacted Nationstar and they paid the bounced check charge, but had the nerve to take the {$10.00} out of my escrow account even though they had made the mistake.
Product: Credit reporting or other personal consumer reports

I have been a victim of identity theft. my information has been compromised due to multiple data breaches. I have inaccurate details and unauthorized accounts listed on my credit report. I have made several attempts to dispute inaccurate information. I have asked for a sworn testimony of method of verification and have not received that. I still have yet to receive remedy for these disputes. There has been multiple violations per the Fair Credit Reporting Act. Now I have no other choice but to take it to court.
Product: Debt collection

My name is XXXX, Hunter Warfield is a debt collection agency. XXXX are using them to collect a debt I owe. However they call my parents house daily now its twice daily. They have an automated service calling you can never speak to a real person. Plus they are listed on my credit file twice. I have paid them so far {$100.00} dollars and after I paid them the {$100.00} is when they started calling twice. I do not know why they are calling my parents number and not mine. Please help with this matter. I do not know what to do to get them to stop calling my parents. 
My email is XXXX phone number is XXXX I am on XXXX and XXXX at night so I sleep during the day, if I miss you call I will return it the next business day. 
Thank you very much for you help in this matter XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is submitted for consideration as I have not received a response to my recent letter reference erroneous entries contained within my consumer credit profile at the Equifax, XXXX  and XXXX consumer reporting agencies. These entries as currently reported are erroneous in nature and otherwise injurious to my true credit worthiness. Prior to initiating litigation in the United States District Court for the XXXX XXXX of Florida, I once again request assistance. Should my complaint continue to be ignored, I will seek counsel and initiate litigation to compel correction of my consumer credit profile. 

Pursuant to the provisions contained within sections 1681i ( a ) ( 1 ) ( A ) and 1681i ( a ) ( 5 ) ( B ) ( i ) of the Fair Credit Reporting Act, I request that the below listed entries be investigated for accurateness and thereafter deleted from my consumer credit profile as they are erroneous in nature and otherwise injurious to my true credit worthiness. Since my last dispute, I have written to all collectors/creditors. Most of these creditors have responded favorably. Please investigate ALL of my concerns. 

1. ) XXXX XXXX XXXX XXXX, account number XXXX ; 2. ) XXXX XXXX XXXX, account number XXXX ; 3. ) XXXX XXXX, account number XXXX ; 4. ) XXXX XXXX XXXX, account number XXXX ; 5. ) XXXX XXXX/XXXX XXXX XXXX, account number XXXX 6. ) XXXX, account number XXXX ; 7. ) XXXX XXXX, account number XXXX. 

Please be reminded that pursuant to the provisions contained within section 1681i ( a ) ( 1 ) ( A ) of  the Fair Credit Reporting Act, your agency has an affirmative responsibility to investigate my allegations. Furthermore, following deletion and/or correction of the erroneous entries, said information may not be reinserted in the file without a certification that said the information is complete and accurate. 

Upon completion of the reinvestigation process, and pursuant to the provisions contained within section 1681g ( c ) ( 1 ) of the Fair Credit Reporting Act, I request a full and complete summary of rights with disclosure be provided for my records and review. 

Your anticipated cooperation on this matter is appreciated. I look forward to hearing from your office within the next 30 days.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or XXXX XXXX XXXXXXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX , GA XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$450.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$410.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$7800.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$180.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ) XXXX Balance : {$8400.00} ; XXXX XXXX Bankruptcy Discharged Date Filed/Reported : XX/XX/2019 Reference # : XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00}. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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.
Product: Credit reporting or other personal consumer reports

I recently review my credit report and noticed negative impact with accounts that are closed. Asking accounts for Payment history, date last payed, first day of delinquent, and no response.
Product: Checking or savings account

On XX/XX/XXXX, a fraudulent account was opened in my name and using my email address. Chime never even verified my consent via email so I was not able to stop the process. Chime also doesnt seem to have good controls to prevent this type of fraudulent activity. 

On XX/XX/XXXX, I got an email from Chime that a debit card was issued and being sent to my old home address. This was without my permission so I called the same day and spoke to a customer service representative who confirmed they would close the account. I received an email the same day that the account was closed. 

However, I am still getting emails from Chime to set up a direct deposit. If the account was closed why am I still getting these emails and what is Chime doing to prevent fraudsters from opening new accounts in my name???
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My XXXX, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report.
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I am a victim of identity theft as a result of a data breach. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681c-2 ( a ) and 605 ( b ), I request the immediate blocking and permanent removal of the following fraudulent accounts and unauthorized inquiries from my credit report. 
Fraudulent Accounts 1. 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 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 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/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent certified letters to the bureaus asking them to remove inquiries that DO NOT BELONG to me. I need them to verify the inquiries and they have not. Here are the inquiries on my report : XXXX/XXXX  XX/XX/20, XXXX  XXXX XXXX XX/XX/20, XXXX /XXXX  XXXX XX/XX/20, XXXX XXXX XXXX  XX/XX/20, XXXX XXXX XX/XX/20, XXXX  XXXX XXXX XX/XX/20, XXXX XXXX XXXX XX/XX/20,
Product: Checking or savings account

Subject : Formal Complaint Regarding Uncredited ATM Deposit I am writing to formally complain about an issue I experienced with a XXXX XXXX XXXX XXXX ATM on XX/XX/year>, at XXXXXXXX XXXX, located at XXXX XXXX XXXX, XXXX, GA XXXX. During this visit, I deposited a {$100.00} bill into the ATM for my rent payment. However, the machine failed to credit my account for the deposit. 

Upon noticing the discrepancy, I contacted my bank, Navy Federal Credit Union, to report the issue. Unfortunately, my claim for the {$100.00} was denied. I then requested documentation regarding the investigation conducted by Navy Federal, but they have failed to provide any such information to date.

This situation has caused significant frustration and inconvenience, as these funds were intended for an essential payment. I am requesting : 1. An immediate review and resolution of this matter.

2. A detailed report of the investigation conducted by Navy Federal Credit Union.

3. Clarification on how such issues are handled in the future to ensure they do not recur. 

I trust that this matter will receive prompt attention and resolution. Please contact me at XXXX to confirm receipt of this complaint and provide updates. 
Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax allowed their system to be breached resulting in the loss of highly sensitive personal identification information on 143 million consumers. That is approximately 57 % of the entire 18 and older population of the USA. The information lost is a keystone on the USA financial industry and puts the consumers and the USA in significant danger. The current reaction from equifax is wholly inadequate. Who is protecting us and how will equifax be held accountable
Product: Checking or savings account

On XXXX I closed all my accounts with Associted Bank a total of 3 accounts. They are trying to reopen our accounts because there were some debts that were taken out of the account XXXX. That were not authorized. These accounts are Closed no more transactions should be happening.
Product: Money transfer, virtual currency, or money service

XXXX was allowing payments to go through and would not stop payment when it was wrong
Product: Credit reporting, credit repair services, or other personal consumer reports

I currently have a business auto loan with J.P Morgan Chase for starters I signed for this loan on behalf of a company and was informed the loan would not report to my personal credit. on the XXXX of XXXX I contacted chase to make my auto payment once I made my payment via phone chase verified payment was successful. I later found out that the payment came up invalid because I guess the rep input the incorrect account information. 
It was not until chase reported me late on XXXX the XXXX I was contacted and informed that my payment never processed. I immidely verified my bank account payment and the pay was deducted. I disputed the late with the credit agency and cases still reported me late inspite of me trying to still pay my bills after being laid off with XXXX. After being laid of with XXXX I contacted J.P Morgan chase and informed them that I needed for them to give me thirty days deferment on the auto loan. I was told by the reversative my request was approved and that my next payment was not due until XXXX which I have proof this agreement was updated in my account. However chase still reported my balance past do by the credit agency's..
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concerns, I am writing regarding a few accounts that have been on my credit report with Equifax for more than 7 years. I have contacted Equifax many times and they have refused to assist me. These accounts have been satisfied and closed with a zero balance but Equifax has refused to remove them from my credit report. This is now affecting me financially because creditors are seeing all these accounts on my file and are refusing to assist or give me credit unless these are removed.   I have sent letters to Equifax and I have never received any answers from them. I even made phone calls and I was advised I can not be assisted. I am now ready to file court papers against Equifax because unless mistaken all these accounts that have been satisfied or closed and I have a  XXXX  balance and should be removed/deleted from my credit report because it has been way more than 7 year sometimes 10 years and I can not get any assistance. Here is the list of all the accounts :  XXXX   XXXX  : Account #  XXXX   XXXX   XXXX  : Account #  XXXX    XXXX   /  XXXX   XXXX   XXXX   XXXX   XXXX  :  XXXX   XXXX   XXXX ,  XXXX , NY  XXXX   XXXX   XXXX   XXXX  :  XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX , SD  XXXX    XXXX   XXXX   XXXX   (  XXXX    XXXX    NEVADA ).     I have also hard inquiries that were previously removed from my credit report but have reappeared with absolutely no reasons at all. I have sent certified letters requesting assistance and they have never responded to any of my requests : This is the list of inquiries that should be deleted from my credit report :   XXXX   XXXX   XXXX   XXXX     XXXX   XXXX   XXXX    XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX  Thank you
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX XXXX XXXX XX/XX/year> Dear XXXXXXXX XXXX XXXX I hope this letter finds you well. I am writing to formally request consideration for XXXX XXXXXXXX XXXX XXXX XXXX XXXX 

I am requesting this forgiveness based on XXXX XXXX I believe that my situation aligns with the criteria outlined for forgiveness under [ mention the specific program or statute, if applicable, such as XXXX XXXX XXXX XXXX, XXXX XXXX. 

I understand that you may require additional information to process my request and am happy to provide any further documentation as needed. 

Thank you for your time and attention to this matter. I am hopeful for a favorable response and look forward to hearing from you soon. Please feel free to contact me at [ your phone number ] or via email at [ your email address ] should you need any further information.
Product: Credit card

This is in regards to my discover credit card. I have been very loyal to discover and been a customer and consistently using discover for several years. I have recently disputed a charge and discover is not helping me get my money back at all. Discover is neglecting me and brushing me off. When i disputed the charge i have explained the circumstances very explicitly. But recently discover has just been just beyond disgusting and horrible to me as their long term client. They are not helping me with disputes or ever trying to get my money back. And they Do not give me any rewards or increase my credit. All things considered i am asking CFPB to get involved and assist me to report this horrible business practice and spread awareness to everyone else about these situations.