23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, 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. 

I told the XXXX, XXXX, and Equifax to reinvestigate these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX However They stated everything was complete And accurate But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isnt reporting correctly.

15 U.S.C 1681 section 602 A. State l 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 agencies can make any consumer reports 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 Also they arent even in compliance with metro 2 credit reporting. I have evidence to prove my case.
Product: Mortgage

Servicer will not review for a modification. Nor review for HAMP since borrower income has increased. A modification was approve 2 years ago but payment was too high. The borrower requested an appeal but never heard back from anyone.
Product: Credit reporting or other personal consumer reports

Subject : Formal Complaint Regarding Unauthorized Use of My Social Security Number as a Credit Card, Unreported 1099C Forms, and Violations of 12 USC 1431, 15 USC 1691, FRCA, and Privacy Act ( 5 USC 552a ( 10 ) ( 3 ) ) Dear JP Chase & Co Customer Service, I am writing to file a formal complaint against JP Chase & Co due to a deeply concerning series of incidents involving the unauthorized use of my social security number as a credit card. Additionally, I have discovered unreported 1099C forms for accounts ending in XXXX, XXXX, XXXX, and XXXX. These incidents not only raise significant concerns about my personal security but also questions about the safeguards your institution has in place to protect sensitive customer data. 

I recently became aware that my social security number was used as a credit card number for transactions and financial activities without my knowledge or consent. This unauthorized use of my social security number is an egregious breach of privacy and security, and it is of utmost concern to me. I strongly believe that the unauthorized use of my social security number as a credit card constitutes a severe violation of consumer protection laws, including the Privacy Act ( 5 USC 552a ( 10 ) ( 3 ) ), 15 USC 1691, and the Fair Credit Reporting Act ( FRCA ), as passed by Congress. Moreover, these incidents may also raise questions about JP Chase & Co 's compliance with the power and duties outlined in 12 USC 1431.

Additionally, I have discovered unreported 1099C forms for accounts ending in XXXX, XXXX, XXXX, and XXXX. These unreported forms raise concerns about financial transparency and compliance with IRS regulations. 

I request an immediate and thorough investigation into the unauthorized use of my social security number as a credit card and the unreported 1099C forms. I also urge JP Chase & Co to take immediate corrective actions, including investigating and rectifying any unauthorized charges or transactions, and ensuring full compliance with consumer protection laws, IRS regulations, and the Privacy Act. 

I expect a written response to this complaint, outlining the steps taken to rectify the unauthorized use of my social security number, the resolution of unreported 1099C forms, and a commitment to strict compliance with all relevant regulations and laws. Your prompt and cooperative response is imperative to resolve these issues and restore my confidence in your institution 's commitment to data security and transparency.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Michigan XXXX SSN : XXXX XXXX : XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX, PA XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX To whom it may concern you have violated my rights under the FCRA. 

XXXX. 

PAY STATUS : SHOULD HAVE 30 DAYS BUT DOES NOT. 

REMARKS : SHOULD HAVE NOTICE OF DISPUTE BUT DOES NOT. 

LAST PAYMENT : NOT VERIFIED CAUSE {$0.00} not any money or change its fake information I NEVER PAID : ON XXXX XXXX XXXX XXXXXXXX I NEVER PAID : ON XX/XX/XXXX & {$0.00} IS NOT ANY MONEY THIS IS FAKE INFORMATION LAST PAYMENT : MADE FAKE NO DOCUMENTS & I DONT WANT TO VERIFY DATE CLOSED : XX/XX/XXXX IS CRAZY CAUSE HOW YOU RECEIVE A PAYMENT ON CLOSED ACCOUNT. 

7 YEARS OVER STATUTE OF LIGATIONS : AFTER 7 YEARS A FILE SUPOSE TO LEAVE A CONSUMER CREDIT REPORT & THIS ACCOUNT IS REPORTING OVER 10 YEARS. 

XXXX XXXXXXXX 7 YEARS OVER STATUTE OF LIGATIONS : AFTER 7 YEARS A FILE SUPOSE TO LEAVE A CONSUMER CREDIT REPORT & THIS ACCOUNT IS REPORTING OVER 10 YEARS. 

LAST PAYMENT : XX/XX/XXXX. ( {$0.00} ) IS INCORRECT INFORMATION ON MY REPORT DATE CLOSED XXXX. HOW YOU GET A PAYMENT FROM ME WITH THIS ACCOUNT BEING CLOSED BEFORE A PAYMENT. 

PAST DUE : SHOULD NOT BE THERE BECAUSE THE ACCOUNT IS CLOSED
Product: Checking or savings account

I have a problem with two banks that laundered a {$12000.00} check to the IRS that was stolen in the mail. The check was written on my XXXX account and cashed by Wells Fargo. Wells Fargo continues to claim the statute of limitations has expired with is not true since California law covers the banks. XXXX told me they were contacting Wells Fargo a second time and to contact them after a certain date. When I contacted them, I found they chose a date that was past the 60 days the CFPB kept the case open. And they told me that Wells Fargo continues with their erroneous claim that the statute of limitations has expired. Furthermore, XXXX told me Wells Fargo knows who stole the money and told them but they would not tell me because they expected me to seek revenge. These banks have learned how to game the system. I now have to initiate legal proceedings. 

I will attach the original complaint. 

Since XXXX has already refused restitution, this complaint is now against Wells Fargo Bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

My Name - XXXX XXXX D.O.B - XX/XX/XXXX Social Security Number - XXXX I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.I would appreciate it if you deleted these items as soon as possible as it is hindering me. I'm trying to advance in my life by getting a house and a car to provide for me and my family ACCOUNT NAME - Wells Fargo sucured credit card DATE OPEN - XX/XX/XXXX AMOUNT - XXXX ACCOUNT NUMBER - XXXX ACCOUNT NAME XXXX XXXX XXXX DATE OPENED - XX/XX/XXXX AMOUNT - XXXX ACCOUNT NUMBER COMPANY INQUIRIES XXXX  - inquiry Date XX/XX/XXXX XXXX - inquiry Date XX/XX/XXXX XXXX XXXX  XXXX-inquiry Date XX/XX/XXXX XXXX - Inquiry Date XX/XX/XXXX XXXX - inquiry date XX/XX/XXXX XXXX XXXX, XXXX XXXX - inquiry Date XX/XX/XXXX XXXX  - inquiry Date XX/XX/XXXX XXXX XXXX inquiry Date XX/XX/XXXX XXXX  - inquiry Date XX/XX/XXXX XXXX XXXX XXXX  inquiry Date XX/XX/XXXX XXXX XXXX XXXX inquiry Date XX/XX/XXXX XXXX XXXX - inquiry Date XX/XX/XXXX XXXX XXXX inquiry date XX/XX/XXXX XXXX XXXX XXXXinquiry Date XX/XX/XXXX XXXX - inquiry Date XX/XX/XXXX XXXX XXXX XXXX  - inquiry Date XX/XX/XXXX XXXX XXXX  XXXX. Inquiry Date XX/XX/XXXX XXXX  XXXX - inquiry Date XX/XX/XXXX XXXX XXXX XXXX - inquiry Date XX/XX/XXXX
Product: Debt collection

This account was originally mine, but was compromised and was closed at XXXX with Zero balance. I opened a new account which is current. I then started receiving letters from debt collection stating they had bought the debt and were attempting to collect an outstanding balance. I am not responsible for this debt, its over 10 years old and originates to 2012. These debt collection agencies continue to sell and buy a invalid debt that is over ten years old.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a dispute to Equifax on XX/XX/2018 regarding incorrect addresses on my consumer report. On XX/XX/2018 I received my Equifax results of reinvestigation in the mail and it shows that the three addresses were deleted because they were mixed. On XX/XX/2018 I paid to request my Equifax credit report and the three address Equifax stated were deleted are still showing up on my credit report.
Product: Credit card or prepaid card

I have been unable to use my approved TD Bank Retail Credit Card for XXXX XXXX sinceXX/XX/XXXX ( the date I was approved for $ XXXX credit ). I have tried numerous time to contact the company and have experienced extremely long wait times to the point of abandoning the call after several hours of waiting on hold. I have tried sending inquiries and message on their online account portal and not received any email notifying me of their receipt of my inquiry, nor any assistance on resolving the problem using my card on the XXXX XXXX website. XXXX XXXX is blaming TD Bank for the decline messages I am receiving and is advising to contact TD Bank directly for assistance.
Product: Credit card or prepaid card

My paypal account offered me a targeted credit card offer for 3 % cashback with a {$150.00} sign up bonus if {$500.00} is spent in first 90 days. Offer expired on the XXXX of XXXX. On the XXXX of XXXX I went on my paypal account to take advantage of the offer mentioned above and it was changed. I now have an offer to apply but the 3 % cashback and {$150.00} sign up bonus has been removed from the offer.
Product: Student loan

I attended  XXXX   XXXX   XXXX   XXXX ,  XXXX  through  XXXX ,  XXXX  and received my Associates in  XXXX   XXXX   XXXX   XXXX  with a GPA of  XXXX . In talking with the recruiter, I feel I was wrongly advised to take on loans which I was not, and would not be after graduation, prepared to repay. When I was nearing graduation, I sought help with the job placement department and was told to wait until my final quarter until I could receive any help. I found the jobs I was offered to be very low in wages, nothing near the advertised salaries for graduates in my field. I was told that  XXXX  had a close relationship with employers, who had several training points that  XXXX  would train us on but upon entering the job market, I realized the technology I was taught was outdated and too broad to be considered useful in the real world.     I owe {$30000.00} in my federal loans. I am not able to pay them back. I am currently in forbearance but my interest continues to accrue. I have paid several  XXXX  dollars in interest in the past  XXXX  years and am not able to keep up with the growing interest, or pay back a significant amount of the principal.     The education I received was incredibly lacking and was catered for the students who were doing the bare minimum. All too often, when asking clarifying questions, the teacher would tell me they did not have the time to answer my question or that the curriculum did n't allow for such depth of knowledge.   In class problem solving was not teaching me the way the technology worked, it was a controlled environment, meant for the laziest of students to find the obvious answers. When I asked the teachers for help with problem solving, I was told to confer with my peers, who were just as unprepared as myself. Our team would tirelessly work to solve the problem, unable to learn the principle. Other students, who chronically misbehaved and underperformed, were given a passing grade for doing much less work. We all received the common denominator level of education. My education was largely the result of my own efforts, reading the text book several times over, doing independent research online on the subjects. In class learning was a very base level education on outdated technologies, and in way too many fields of study. There was not sufficient time to learn any of the topics as the curriculum was constantly moving onto the next field with the very broad " computer and electronics engineering technology '' area of study.            XXXX   XXXX
Product: Debt collection

Disputed a debt for Resident XXXX by Hunter Warfield referred to XXXX XXXX, Disputing a debt they are now claiming it is valid, without giving me proof of the validity of the debt. I can prove the debt is invalid per my lease ( Legal document pertaining to the property ) I can prove the debt is invalid per NRS 118A.242 ( 4 ), since the landlord failed to provide an itemized statement within 30 days of lease termination. Paid rent in full and the apartment complex kept my security deposit that I did not get back. Has stole my personal information to get money from me and I havent gotten a written statement on why I should be paying XXXX for somewhere I havent been living at since XXXX  and all the rent was paid. And I just get a letter in the mail saying I owe them this balance when no one from the complex informed me about this until 3years later.

However, they are pushing me to pay the money their client claims they owe, and are completely disregarding my proof that the debt is invalid, they don't have proof and they are switching to bullying tactics to try and collect this debt. In which I havent been living at this address for 3 years.
Product: Credit card

I have contacted Target 's customer service numerous times in regards to getting account back in good standing but they are unwilling to work with me. I have tried to make payments on the account but they are unwilling to accept anything other than the total due and fees. I have requested to have some of the fees removed so that I could make a payment to get the account in good standing but they continue refusing to work with me. Target Acct # XXXX
Product: Student loan

I received two emails from XXXX in regards to my credit score being changed. I looked up my score and it had dropped over XXXX points. I scanned the report with all accounts showing paid. After digging deeper, I found that American Education Services ( AES ) was showing that in XX/XX/2016, I had not paid my loan with them, but every other month after, was paid. 

First, I was NEVER contacted by AES about my account being delinquent or not having paid on a certain month ( and AES never has any issues calling people constantly just to ask them what their middle name is ). I have shown in an attached document FROM AES from XX/XX/2016 that I am XXXX days delinquent on my XXXX loans. 

But yet, according to AES, I had n't paid in XX/XX/XXXX, therefore I was delinquent. 

I am also attaching a document from XX/XX/2016 that shows AES acknowledging their wrongdoing in a previous credit dispute with them, which is what the now current dispute is about. Again. 

To summarize the previous complaint : AES was misapplying payments to an account I was paying for with a check and very detailed information on the memo line as to where the check was to go ( because that is what AES had told us to do ). They were putting the payments in my account, while they were to be placed in another account as stated on the checks I was sending for said account ( as I had been doing for four years ). When I corrected them in XX/XX/2016, they agreed they were in the wrong, but said I would have to pay for the {$520.00} mistake they had made. I disagreed, but made the payment, knowing it was n't worth the fight. The next day, my credit score was hit by XXXX points ( just like this time ). 

After many, many attempts at trying to get AES to correct their major mistake and involving the Consumer Financial Protection Bureau ( which will be happening again ), I finally received the XX/XX/XXXX letter from AES, saying my credit would be fixed. And it was. 

Then out of nowhere, I find that my credit was hit again. For no reason. Again. 

I have paid on time for the last seven years. I have not missed a payment. I made a payment in XX/XX/2016 for {$1100.00} and {$140.00} to cover the {$720.00} loan payment for XX/XX/XXXX and the {$520.00} mistake AES had made by misapplying payments. 

So I would like someone to show me where and when I did n't pay in XX/XX/2016 and why my credit got hit by more than XXXX points again in less than six months by the same company. 

I 110 percent believe that my account is being targeted. 

This letter will be sent, like my previous one in XX/XX/2016 ( also attached ), to the Consumer Financial Protection Bureau and will be fixed by AES. And I will not stop contacting them until it is. Just like last time.
Product: Credit reporting, credit repair services, or other personal consumer reports

My first attorney on XX/XX/2022 and again on XX/XX/2022 sent notifications to all three credit bureaus about XXXXt XXXX  XXXX My latest attorney sent on XX/XX/2022 a follow up and demand to the bureaus and creditor with no reply at all. I'v called the creditor and get passed around trying to validate this account and do not have anything from them. My attorney feels this is infringing upon my rights and goes against FCRA. With no reply this must be removed off our report IMMEDIATELY before we have to take any further legal action. Please help us get a resolution.
Product: Credit reporting, credit repair services, 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 U.S.C 1681. 

Account Name : XXXXXXXX XXXX XXXX XXXX # XXXX Account Name : XXXX XXXXXXXX XXXX  : # XXXX 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 an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : No consumer-reporting agency may make any consumer report containing any of the following items of information. 

Any other adverse 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

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. 
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. 

And according to the 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 according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasona
ble cause to believe that the information is inaccurate.

15 U.S.C. 1681B ( 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, credit repair services, or other personal consumer reports

After the Experian 2017 breach I froze my personal credit reporting accounts with all three agencies. XXXX XXXX the best to work with and is always a simple matter to open and close freeze at will or view data. XXXX  in second best and not to bad to access. However Experian makes the matter of opening and closing a frozen account very, very difficult and recently I wanted to open a " my account '' with SSI but could not do so because I could not get Experian to unfreeze my account, albeit temporarily. They attempt to force you to buy their monitoring system 's instead of just making the matter of access easy to use, but rather they require burdensome and slow methods of mail in forms and other hurdles not required by the other two companies. In my view they are the worst and the CFPB should investigate their corrupt and dishonest business methods, after all they were the ones who allowed millions of consumers information to be breached an now instead of being consumer friendly EXPERIAN makes life more difficult.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX. XXXX  XXXX. 
XXXX. XXXX XXXX, XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX  has violated my rights. 

I looked at my exquifax credit report on XX/XX/2024 and noticed some things are incomplete and not accurate. And according to the 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 according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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

I did not consent to, or authorize nor benefit from any of the following Inquiries. Block and remove it. 
XXXX XXXX XX/XX/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 XXXXXX/XX/XXXX