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

Dear DISCOVERBANK, I am writing to address a blatant violation regarding the unauthorized reporting of information to my credit report, as confirmed by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), and the XXXX Credit Reporting Act. 

It has unequivocally come to my attention that DISCOVERBANK has already engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that the consent of the consumer is a non-negotiable requirement for such reporting activities under Section 1681b ( a ) ( 2 ).

In addition to federal law, Missouri state law provides specific protections for consumers regarding credit reporting. These laws emphasize the necessity of consumer consent for credit reporting and establish clear guidelines for the fair reporting of consumer credit information. 

I assert with unwavering certainty that I have not provided consent for DISCOVERBANK to report any information to my credit report. This undeniable lack of explicit permission constitutes a blatant violation of my rights, resulting in potential damage to my creditworthiness and an unequivocal disregard for federal and state laws. 
I demand, with the utmost certainty, that DISCOVERBANK immediately ceases any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and the Missouri Credit Reporting Act. Failure to comply within the stipulated XXXX timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws, including identity fraud laws. 

I emphasize that obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA and Missouri state law. This is not a negotiation ; it is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting. 

I anticipate your immediate attention to this matter and expect that DISCOVERBANK will promptly rectify these egregious violations, respecting my rights under federal and state laws. 

Done in good faith.
Product: Checking or savings account

I opened both a checking and savings account with JPMorgan-Chase ( Chase ) more than XXXX ( XXXX ) years ago, when between the years of XXXX and XXXX, for some reason, Chase determined that my interest-bearing savings account should be converted into a non-interest-bearing checking account. As I was never made aware of this change and am only now finding out about this transfer, I would like to know why this was done. During that time I would move funds from my savings account into my checking account to pay debts. It was not until recently that I realized I did not have the correct funds in my accounts per my records. It was then I realized Chase had removed funds from an interest-bearing ( savings ) account and put the funds into a non-interest-bearing account ( checking ). 
For full accountability and full disclosure, I would like a full accounting on why this occurred and who gave the bank the right and/or permission to move money from and into my accounts without making me aware of the changes. I would also like to know what happened to all the interest I would have earned had my funds remained in the interest-bearing account. 
I would like clarification from Chase on why this move was made, where the interest funds these accounts would have earned and, additionally, what must be done to achieve reconciliation for this very egregious act. 
I would like to point out that I will be filing a complaint with the Consumer Financial Protection Bureau ( CFPB ), for further instructions and explanation ( s ) on why this occurred and how can I be recompensed for this act, which borders on the illegal. 
As a stockholder in shares of JPMorgan Chase, as I have been for the past XXXX ( XXXX ) years, how can I remain confident that the bank will have my best fiduciary interest at stake? I sincerely feel a criminal act has happened to me because of these acts and want this situation rectified by Chase.
Product: Credit card or prepaid card

I just want them to stop calling me at work, if they cant get me on the phone, they will call my company 's general # and ask for me so it doesn't come up as " Bank of America ''. they also are hiding the number so I cant see who's calling and they are hoping that I will pick up. the one time i did pick up- the woman was yelling at me saying " we can contact you!! We can not contact you!!! we need to speak with you. Why do they need to speak with me, they already put bad marks on, my credit report and I cant pay it and i told them to stop calling my job as i can not get these types of calls there. they are absolutely relentless and will not stop like the terminator,
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I sent XXXX, XXXX, and Transunion a dispute about deleting incorrect personal information that is currently reflecting on my report thats not mine. I never have lived at these places and some I do not recognize at all. They have yet to process my request and have ignored it.
Product: Credit reporting or other personal consumer reports

Capital One Closed/acct status charged off. XXXX written off as of XX/XX/year> Capital One Closed/ acct charged off XXXX written off XXXX as of XX/XX/year> XXXX Closed Acct charged off XXXX written off XXXX All of these companies are committing fraud by not supplying me with a 1099 showing that they have excepted payment yet have persuade collections to receive more payment.
Product: Debt collection

In XX/XX/XXXX, I checked all 3 of my credit reports and discovered that there is an inaccurate debt noted on my XXXX and XXXX credit reports. This false debt is being reported by a collection agency known as Vance & Huffman , LLC. It is being inaccurately reported that I took out a loan in the amount of {$250.00} in XX/XX/XXXX. I immediately disputed the claim with both credit reporting agencies and contacted the original company from which this false debt came from - XXXX XXXX. I called XXXX XXXX on XX/XX/XXXX and XXXX XXXX XXXX relayed to me that I do not owe them anything, I DID NOT TAKE OUT ANY LOAN in XX/XX/XXXX. XXXX XXXX agreed there has been FRAUD and IDENTITY THEFT against me and escalated the matter to their Financial Crimes division. XXXX XXXX has said that they would contact Vance & Huffman to remove this invalid debt. So far, Vance & Huffman have failed to remove this false debt on my credit reports as my disputes have been refused by them. This inaccurate credit reporting has caused me financial harm and emotional distress. My credit score and financial standing have been horribly affected by this blatant misinformation. Vance & Huffman LLC is violating the law by reporting inaccurate and false information about me on my credit reports in trying to collect on a fraudulent claim.
Product: Credit reporting or other personal consumer reports

On XX/XX/2024 XXXX XXXX Bank received a request for Validation. They sent an accounting of " STATEMENTS '', which does not validate a debt. Experian was notified via certified mail # XXXX XXXX XXXX XXXX XXXX XXXX, they were given notice of the errant account. They initiated a reinvestigation and said the account was " Verified ''. XXXX is not a validation. XXXX XXXX Bank could not provide proof of contract with my wet-ink signature. Lack of a signed promissory note with my signature means the " alleged debt '' is not valid. EXPERIAN has failed to list the account a " disputed '' therefore are committing FCRA violations. EXPERIAN has failed to properly investigate XXXX XXXX BANK, if they did, they too would assert that XXXX XXXX BANK has not validated the debt. These are all FCRA violations.
Product: Debt collection

XXXX XXXX and Capital One bank constantly calls all day from different numbers harassing me about false debt.
Product: Credit reporting or other personal consumer reports

I have been trying to contact Experian for several months. At some stage my SSN was separated from my credit file ( for unknown reasons ) and I have had to contact all three credit bureaus to sort this out. I was able to do this for XXXX and XXXX. Every time I contact Experian I am directed to an automated service that ultimately says it is unable to assist me. There are whole XXXX feeds on this - I have tried several workarounds ( for example contacting the business line rather than the personal credit file line ) but ultimately they always send me through to the same automated service. This has wasted so much of my time, and caused me so much stress, not to mention it has affected my rental applications as most rental agencies use Experian and can't find my credit file when they do an enquiry.
Product: Debt collection

They charged my insurance for 2 appointments a surgery and an office visit. I never had a surgery I never showed up for that appointment, they fraudulently charged me for a visit that I never attended.
Product: Credit reporting, credit repair services, or other personal consumer reports

These inquiries in my credit file are from unauthorized use of my social security number and card. I did not authorize these inquiries to be taken out in my name nor they relate to anything I did. I'm unaware of any of this. All is being investigated by the FTC. I swear all information provided herein under the penalty of perjury is true and accurate to the best of my ability and knowledge.
Product: Credit reporting or other personal consumer reports

This is a letter that was distributed to all three credit bureaus, and recently an account was disputed. The results have not been resolved to be accurate. I can't believe that I'm still pointing out the same issues and it has not been updated to be accurate, fair and complete. I will be sending you a copy of the results for this one dispute once again ... acct # XXXX ( XXXX XXXX XXXX  XXXX all three credit bureaus have different dates for open and date closed. The three credit bureaus have informed me that their investigation results have been updated but have not properly done so. 
I'm writing to formally dispute inaccurate information on others on my credit report that I believe is harming my financial well-being. I am aware of my rights under the Fair Credit Reporting Act and request a thorough investigation into these inaccuracies, as required by federal law. 
Recently, the Consumer Financial Protection Bureau filed a lawsuit against Experian and XXXX for its failure to properly investigate consumer disputes, citing " sham investigations '' and other unlawful practices. These practices, as outlined by the CFPB, include : Conducting inadequate investigations that fail to address consumer disputes properly. 
Reinserting previously disputed and inaccurate information without explanation. 
Failing to notify consumers about investigation results effectively. 
These allegations highlight systemic issues that directly undermine consumer protections and perpetuate the inclusion of inaccurate information on credit reports. I am deeply concerned that my dispute may be mishandled in a similar manner. 
Please review the inaccurate information being reported : XXXX. XXXX XXXX XXXX  XXXX. XXXX XXXX XXXX. XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX Under the FCRA, you are required to : Conduct a proper investigation into my dispute. 
Inform me of the results of your investigation in a clear and comprehensible manner. 
Provide me with any documentation you rely on if the disputed information is verified as accurate. 
Ensure that inaccurate or unverifiable information is corrected or removed from my credit report promptly. 
If the investigation concludes that the information can not be verified or remains inaccurate, I request the immediate removal or correction of this information from my credit report. 
Furthermore, I request written confirmation of the actions you take in response to this dispute. If you fail to resolve this matter, I reserve the right to escalate the issue with the CFPB and other appropriate agencies. 

Thank you for addressing this matter promptly. 
I look forward to your response within the legally mandated 30-day timeframe. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at 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. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Debt collection

was in the military and I got a military star card. I was on a able to pay everything off. Once, I left the service. However, trans world picked up the debt. And they said that they have the power through the franchise tax board to Intercept my taxes every year. So I pay {$500.00} on it. And what they tell me. Is this that it accrues interest everyday And so the balance basically goes back up to the XXXX again. Until tax time, I don't have to grand it just paid them off with. So every year for 12 years, they've been taking my taxes. And the {$2000.00} has still gone nowhere. It's been over 7 years, someone needs to can them. How do you get rid of them? Are they gon na steal taxes until I'm XXXX? 

Years ago I asked for info on account impossible for me remember the date when, it's XXXX and I have not been able to have taxes back for 11 years straight now.
Product: Debt collection

Re : Account Name : Security Credit Services Account : # XXXX Type Account : Alleged Collection I have previously disputed the above referenced account on [ XX/XX/2023 ]. This item was deleted from the credit file on the subsequent credit report of [ XX/XX/2023 ] - [ XX/XX/2023 ] based on my credit report alerts from XXXX XXXX. ( SEE ATTACHMENT ). However, now these items have reappeared on my credit report without the collection agency following the legal reinsertion process as outlined in FCRA. 

In accordance with the requirements of the FCRA, I am hereby requesting SECURITY CREDIT SERVICES to complete complete compliance with any and all of the provisions listed below and permanently remove this item. 

FCRA 611, Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] Requirements relating to reinstatement of previously deleted material. 

Certification of accuracy of information. If any information is deleted from a consumer 's file pursuant to subparagraph ( A ), the information may not reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies the information is complete and accurate. 
If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. Additional information. As part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing no later than 5 business days after the reinsertion date. 
( I ) a statement that the disputed information has been reinserted ; ( II ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; and ( III ) a notice that the consumer has the right to add a statement to the consumer 's file disputing the accuracy or completeness of the disputed information. 

I did not receive this required notification. In essence, this is a serious violation of the FCRA. I may choose to exercise my right to pursue further action. I INSIST that you immediately delete this listing from my credit report within the next 5 days, if you would like to avoid me moving forward with my said rights. 

Once complete, mail me an updated copy of my credit report showing this item has been deleted. 

Sincerely, XXXX XXXX
Product: Debt collection

I repaid the debt for rent in XX/XX/XXXX. Now they're trying to collect liquidated damages -- XX/XX/XXXX. When I submitted proof to the court XX/XX/XXXX that I'd be out of town taking a XXXX XXXX XXXX in California in XX/XX/XXXX, I heard nothing until today, XX/XX/XXXX, I received a letter addressed to my job instead of my XXXX XXXX , which the court had sent notice XX/XX/XXXX, that I am due for trial XX/XX/XXXX. 

I had called the collection agency -- Quality Recovery Services -- what monies did they mean, they told me for liquidated damages for breaking the lease. I explained to them I was a crime victim and the roommate had stolen from me. I had not deliberately broken the lease. Now they're trying to ruin me by dragging me to court again and getting more money. This is abuse of the process. Liquidated damages are for losses, but not to be punitive. When I repaid them through garnishment, not only did they take {$300.00} every two weeks, they lost track of the payments. Fortunately my boss had kept a record. We were almost double charged. I have a real estate license now, and this is affecting my profession and my job. This needs to stop.
Product: Credit reporting, credit repair services, or other personal consumer reports

ALL OF THE ACCOUNT LISTED BELOW ARE ON MY REPORT FRAUDULENT ON MY CREDIT REPORT I WAS A VICTIM OF IDENTITY. THEFT AND THESE ARE THE ACCOUNT AS FOLLOWS XXXX XXXX/XXXX/XXXX BALANCE {$0.00}, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX  XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX BALANCE {$670.00} XXXX XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX BALANCE {$200.00}, XXXX XXXX XXXX XXXX XX/XX/XXXX BALANCE {$670.00} XXXX XXXX XXXX XXXX XX/XX/XXXX BALANCE {$15000.00}, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX {$12000.00} XXXX XXXX XXXX FIN XX/XX/XXXX INDEITITY THEFT AND CHAPTER XXXX WAS FILED
Product: Credit reporting or other personal consumer reports

I called the credit reporting agencies letting them know them know the inquiries and account are unauthorized/not suppsoed to be visible on my consumer report. Never gave them permission or consent to report unauthrorized account. This is aggravated identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureau to do a verification for the following accounts and to furnish supply original contracts and the rights for these agency to collect in my state. The credit bureaus have only verified electronically without providing proof and has failed to do so in the time allowed. 
XXXXXXXX XXXX XXXX XXXX  {$590.00} acct # XXXX XXXX XXXX {$1200.00} acct # XXXX XXXX XXXX XXXX {$1000.00} acct # XXXX XXXX XXXX XXXX {$860.00} acct # XXXX XXXX XXXX  {$990.00} acct # XXXXXXXX XXXX XXXX  {$650.00} no acct number displayed XXXX XXXX XXXX XXXX {$1000.00} no account number displayed In accordance with the Fair Credit Reporting Act all of these companies have violated my rights. 

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

15 U.S.C 1681 Section 2. It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Debt collection

I Originally contacted Express Collection agency after seeing the account on my credit report I ask them to validate the debt exhibit A letter sent to them on XX/XX/2021 I Received a copy of a contract from a creditor I reached out the creditor they sent letter staying referenced account has been acquired by XXXX XXXX XXXX not Express collection I demand that they remove this account from my credit admittedly cause there in violation of Validation of Debts 15 U.S.C. 1692g
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting incorrectly ( 2 ) accounts where I am shown as an Authorized User on XXXX XXXX partial account number XXXX and partial account number XXXX. ( Please see pages attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on these ( 2 ) accounts. This incorrect reporting of me as an authorized user is harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to fix this issue however, I have not been successful.
Product: Credit reporting or other personal consumer reports

XXXX, Experian, & XXXX continue to report inaccurate information on my consumer report. My name is XXXX XXXX my address is XXXX XXXX XXXXXXXX XXXX XXXX, MI XXXX there should be no other names or address listed on my consumer report. You do not have authority or permission to report any other information other than whats above. My employer is XXXX XXXX XXXX and thats the only employment that should be listed.
Product: Credit reporting or other personal consumer reports

I have review a copy of my credit report and i have found fraudulent inquiries and collections on my report. Please remove this fraudulent INQUIRIES AND COLLECCTIONS from my credit report. They are hurting my ability to obtain credit.
Product: Credit reporting or other personal consumer reports

The unverified accounts indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXXXXXX XXXX XXXXXXXX Balance {$880.00} US DEPT ED XXXX Balance {$1200.00} US DEPT ED XXXX Balance {$1200.00} US DEPT ED XXXX Balance {$2000.00} US DEPT ED XXXX Balance {$2100.00} US DEPT ED XXXX Balance {$1900.00}