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

This is purely identity theft. I do not recognize these accounts. They are damaging my good credit reputation! 

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




UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> REMOVE THESE IDENTITY THEFT ACCOUNTS ASAP!!! 

I will never stop filing complaints against you because I know my rights!

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

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.

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.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some account. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports... no consent is fraud. Please delete the account : XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX XXXXXXXX XXXX XXXX Opened : XX/XX/2013 Balance : {$2900.00}
Product: Credit card or prepaid card

I am filing a complaint against JP Morgan Chase Bank for denying an incident of fraud from a stolen Credit Card number. 

On XX/XX/XXXX, 3 fraudulent orders were placed with my credit card number that I did not make. I did not see these charges until XX/XX/XXXX and promptly called Chase at XXXX XXXX  to report the fraud. They marked all 3 charges as fraud, closed the old account, and mailed me a new Credit Card. 

On XX/XX/XXXX, I received a package in the mail from one of the fraudulent purchases which was from a company called XXXX. The package was left at my door and USPS was gone before I could refuse the package. I called Chase at XXXX XXXX to ask a representative what to do. I was told to take the package back to the Post Office to return to sender. At XXXX XXXX  in the Post Office in  XXXX, MD, I was instructed to cross my address out and mark the package as " Refuse - Return to Sender ''. I did just that and handed over the package to be sent back. 

On XX/XX/XXXX, I received a voicemail to promptly call back Chase Fraud Dept. at XXXX. When I called back at XXXX XXXX  that day, I was told by said representative that while two of the fraudulent purchases were approved as fraud, the one from XXXX would not be approved. The company in question had determined that because the address partially matched, I had purchased the product legitimately. In speaking with the representative, I found out from Chase talking to the vendor that the email the fraudulent purchaser used was similar to my personal email but not mine. The apartment number was also not on the package. I would most likely be denied my refund because of this. In talking to USPS, they said it was out of their hands. 

On XX/XX/XXXX and XXXX, XXXX, I received 2 letters indicating that they closed the fraud case and that I would be responsible for the XXXX charge in the amount of {$36.00}. All 3 purchases were made at nearly the same time and somehow one was approved. The other 2 purchases made with presumably the same email account and IP address were denied. The charge had re-posted when I checked my account on XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Equifax plenty of times and tried disputing thru the company no help at all!!!!
Product: Credit reporting or other personal consumer reports

I would like to dispute the inaccurate accounts on my credit report listed below : Equifax : XXXX  Account Number : XXXX XXXX : XXXX  Account Number : XXXX {$XXXX} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Account Number : XXXX {$XXXX} XX/XX/XXXX
Product: Credit card or prepaid card

I 've had a capital one credit card for years, multiple cards, and I just noticed something that has most likely been going on the whole time, but I just realized it. From what I can tell they are charging interest based on the previous billing cycle. Last month my husband and I both paid off our balances in full. we had no new charges. the next month we both received interest charges, even though we paid our balance off in full. when I called they said that if I am not paying off my balance in full month after month I will still receive new interest charges even though I paid off my balance in full. this month on a different Cap 1 credit card my previous balance was {$1000.00} and I made the minimum payment of {$25.00}. on my new statement I was charged interest calculated on a balance of {$1000.00}, there were no new credit card charges. I believe Cap 1 is using double-cycle billing practices which is violating one of the protections of the CARD Act.  When I contacted them regarding this on X/XX/17 he assured me that they are not double-cycle billing they charge interest on an average daily balance, and that even though it looks like they are charging me interest on the higher amount ( XXXX ) that really they are not.
Product: Debt collection

The Midland Credit Accounts are being reported inaccurately and fraudulently.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am intrested in disputing my credit report with Equifax checking my file ive noticed alot of invalid information that is hindering my file. all data should be 100 % accurate on each file and it is currently not. update all information requested.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

In XXXX of XXXX we had found black mold in our apartment ( XXXX XXXX XXXX  ) making us very sick. We contacted the apartment administrators and educated them on the issue. 
They came in and sprayed bleach and then painted over the mold. We then again called the office after learning this is very dangerous thing to do, we were told to move out if this fix wasnt a good enough solution. We spoke on the phone with the office manager and decided and agreed that we were going to leave. In XXXX of XXXX we moved out of the apartment. In XXXX of XXXX we noticed that they put {$4200.00} into collections, however we never received a bill or validation notice. 
I have disputed this collection multiple times. 
This collection was immediately sent to a collection agency XXXX  XXXX XXXX XXXX XXXX without knowledge of the debt. 
I have no documentation of any bills owed to them or any letter from them trying to collect said debt. 
I have records of all emails that have been sent and received. We never received a final account statement on XX/XX/XXXX, as previously stated by collector. I have no records of this, no email or paper copy nor was it attached in what was sent above. All attachments were emails about issues with the apartment dating XX/XX/XXXX. We can not pay something we are unaware of. So again, we were never sent a final notice and this was automatically put into collections without any validation notice such as ; -Name and mailing information of the debt collector. - Name of the creditor to whom the debt is owed. -Account number ( if any ) associated with the debt. -An itemization of the current amount of the debt that reflects interest, fees, payments, and credits since a particular date that XXXX be able to recognize or verify with records. -The current amount of the debt as of when the validation notice is provided. -Information about debt collection rights including how to dispute the debt. None of the above information was sent. The Fair Debt Collection Practices Act ( FDCPA ) states the following ; When can a debt collector report my 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. Again, none of the above happened before being placed into collections. Therefore, this collection should be removed due to the negligence of the collector.
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. 




XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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: Debt collection

XXXX XX/XX/21 Affiliate Asset Solutions continued to contact me without leaving a viable voicemail for return calls. I contacted them and would not give any personal information over the phone but they knew the number I was calling from. They asked for a specific person and hung up on me when I complained that the person of interest did not have this phone. I called back several times to establish how they got my information and what they wanted but since I wouldn't give my name I was subjected to repeated hang-ups and disrespect for my time with the issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

i called the collection agency for my debt verification. but they cant verify it. and it wasnt on their system. and said that they will remove it on my credit report. its been 2 months i believe but its still shows on my credit as open and with negative information.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX. 

XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX. 

Request for Credit Inquiry Removal Incorrect address Incorrect credit Report. 

Dear XXXX, I am writing to dispute an unauthorized or inaccurate credit inquiry on my credit report. Below are the details of the investigations in question : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Unauthorized inquiry, no credit application was submitted I did not authorize this inquiry, nor did I apply for credit with the company mentioned. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to dispute inquiries that I believe are unauthorized or inaccurate. Also, the addresses listed on my credit report are incorrect. 
I kindly request that you investigate this matter and remove the inquiry from my credit report if it is found to be invalid. To assist in your investigation, I have included the following documentation : 1. A copy of my credit report with the inquiry highlighted. 

Please notify me of the results of your investigation as soon as possible. I appreciate your attention to this matter and look forward to your prompt response. If you require additional information or documentation, please do not hesitate to contact me at XXXX or XXXX. 
Thank you for your time and assistance. 

Sincerely, XXXX XXXX XXXX
Product: Mortgage

We were supposed to close on our home on XX/XX/XXXX with Rocket Mortgage. The closing was delayed. Our rate was locked until XX/XX/XXXX. We called Rocket Mortgage to extend our rate lock. Rocket Mortgage stated that the rate was locked for 90 days. Unfortunately, we did not follow up for the paperwork. We came to find out that they did not lock the rate ( closing after 69 days ) and we have to pay a full percentage point more. At no point in time were we notified that the rate lock was expiring. The agent we are working with denies making any claim that the rate lock was extended. Either the agent was negligent in performing her duties, or provided misinformation to us. Regardless, their business practices are unethical and damaging.
Product: Mortgage

WFHM is continually Complaint after Complaint refusing to provide a solution to problems they have created. They are trying to deny the problem which will not go away. This leaves me no choice since they have not operated in good Faith but to take this situation to the media. We will let every national, local and world media outlet let the public know that WFHM is continuing business as usual when it comes to their customers. That WFHM upper management XXXX XXXX and XXXX XXXX XXXX specifically, refuse to step up to the plate. XXXX XXXX and XXXX XXXX XXXX are continuing the practices of their predecessor, continues to put inexperienced uninformed employees on the front lineI instead of standing forward and doing the job for which they are handsomely overpaid for. We will also see to it that every consent judgement brought forward by WFHM be thoroughly investigated as to adhereance and payment to victims.
Product: Debt collection

I settled out this debt and it is still reporting as I owe. I have disputed several times and requested them to update with NOTHING being done. 

THD/CBNA XXXX {$3800.00} balance
Product: Checking or savings account

On XX/XX/XXXX I deposited two large settlement checks that was issued through the government from a old job class action lawsuit Citi bank then decided to restrict my account and then two days later close it I have over XXXX dollars that their holding on to telling me that I have to wait XXXX to 60 days for a check to be issued to me this isnt fair and has been a big inconvenience I have a child and home to take care of and this was a wrongful closure and I want my money now Ive asked for it to be expedited and all they told me was that they would put in for a request and I have to wait I shouldnt have to wait for whats rightfully mine at all
Product: Credit reporting, credit repair services, or other personal consumer reports

This was not sent in error, I am a consumer by law and there's false information on my credit report it's been well over 30 days and I have not received any investigation results
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my third endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX LA XXXX XXXX LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, LA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXXXXXX Balance : - XXXX-XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX ) XXXX Balance XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$850.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : - XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$240.00} XXXX  XXXX ( Original Creditor : XXXX ) XXXX Balance : {$11.00} XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$5.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$810.00} XXXX XXXX XXXX XXXX  XXXX XXXX XXXX {$850.00} XXXX ( Original XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance : {$180.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXI ) XXXX Balance : {$810.00} XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

Company : Credit Collection Services Sent to collections : XX/XX/23 Credit score drop : XX/XX/23 Amount : {$66.00} They made no attempt to contact me personally. I don't live at home anymore, and my parents receive a lot of junk mail. I was only made aware of the debt by my credit score dropping. I asked and pleaded for a goodwill deletion, emailed and called, to which they claimed that wasn't possible. All I want is my credit score back to normal now that everything is paid.
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, violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

The inquiries listed in my report were unauthorized .I requested that they investigate these and analyze my files by sending letters to all three credit bureaus. The reality that these inquiries continues to be sent around is affecting my credit. The credit agency didn't do anything to remove the inquiries listed below : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

They call every day. They ask for XXXX XXXX. They say it 's an attempt to collect a debt. They say if you are not XXXX XXXX, hang up and call this number. I called the number a year ago asking them to stop calling me. They agreed to stop, but I am still getting calls daily.
Product: Checking or savings account

XX/XX/XXXX on line bank too out XXXX which is due for house payment monthly but additionally on top of that XXXX I called and complained to both mortage and bank about this. The mortage dont give money back and says the bank can only reverse the account back, the bank tells me that I need to speak with the mortage. 
credit back for both payments on XX/XX/year> I have called before XXXX to make sure we didnt owe more than our regional payment of XXXX we were told that there was credit and we only owe for XXXX the XXXX so i had my online taken off and now the payment of XXXX was paid XX/XX/XXXX and went thru on the XXXX of XXXX. so this morning we ended up with both payments again taken out of the checking account so we are paying XXXX months of mortage. Neither place would help us, were seniors and live on a tight budget. Can you please help us. our mortage is XXXX and our bank is chase. 
Thank you XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Called Citi ( account ending XXXX XXXX to request an account review for credit limit increase. When I asked if they would be making an inquiry into my credit report I told them that I was not interested with proceeding with the credit limit increase request ( I have a high credit score and do not want a " hard inquiry '' ). They proceeded to make an inquiry against my direction. Now I have an additional inquiry on my credit report that I did not request which resulted in a lowered credit score causing financial harm.