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

In accordance with the Fair Credit Reporting Act. XXXX account # has 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 an account without my written instruction. XXXX XXXX XXXXXXXX XXXX XXXXXXXX {$0.00}, XXXX XXXX {$0.00} XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXXXXXX {$0.00}, XXXX XXXX XXXX XXXX {$0.00}, XXXX XXXX XXXX {$0.00}, DEPTEDXXXX XXXXXXXX XXXX XXXX XXXX XXXX {$0.00}, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXXXXXX XXXX, XXXX XXXX XXXX {$0.00}, XXXX XXXX {$0.00}, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX,
Product: Credit reporting or other personal consumer reports

I am writing to dispute the inaccurate accounts appearing on my credit report. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX This letter is a formal dispute and request for investigation under the Fair credit Reporting Act ( FCRA ) 15 ssc 1681 et seq.

THE FCRA mandates that credit reporting agencies maintain accurate information in consumer reports. The following provisions support my dispute. 

1. 15 USC 1681e Accuracy of Information. This requires credit reporting agencies to ensure maximum accuracy in consumer reports.

2. 15 USC 1681i Duty to investigate. This provision obligates credit reporting agencies to conduct a reasonable investigation when a consumer disputes the accuracy of their credit report. I request an accurate and complete investigation.

3. 15 USC sec 605b It is illegal to report information on my credit report without my permission.

Please remove these inaccurate items from my credit report and provide me with a free copy of my updated credit report. Failure to address this dispute may result in legal action as permitted by the FCRA. Thank You for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX  XXXX
Product: Debt collection

The account reporting on my credit score is " fraudulent '' and does not belong to me. I want this account " DELETED '' ASAP off of my credit score, or me and my attorney will take legal action.
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. 

XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX # XXXX XXXX  # XXXX My rights have been violated, 15 USC 1681 section 602 A states I have the right to privacy, 15 USC 1681 section A section 2 also states a consumer reporting agency can not furnish a account without my written instruction ; 15 USC 1681c ( a ) ( 5 ) section states that no consumer reporting agency may make any consumer report containing any of the following items of information, any of the other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 USC 1 681s-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 innacurate.
Product: Debt collection

To whom it may concern I have been having grief with the same companies over and over. I have disputed these debts on numerous occasions and yes they are removed but they are later reinserted, sold to another debt collection agency, with no update on my credit report or proof that I am the owner of these debts from IC Systems. I have made several calls to the original collector XXXX and XXXX XXXX collections and Fraud and no one is able to help me or tell me what this is about. Today they advised this may be fraud and that I should dispute this account. The only account number I have from collections company is XXXX. They are damaging my credit and reputation substantially without any proof of original contract or signatures from me. The disputes are not even showing on my credit reports and I am aware that my reports should reflect that information. Nor have I received updates from my disputes or original time frame or contract from debt instead after the disputes these accounts are re-aging and that is completely illegal. Also following disputes it seems to me that they are reselling the accounts to someone else after showing removed and then opening again. In addition each time these inquiries are placed back on my credit report I have never received a 5 day reinsertion letter and if there is proof of such letter, please also send to my address. IF not this is yet another violation of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), which states you are required to notify me in writing. I am asking for the last time for this agency furnish original contracts and proof and initial contract dates for all collection accounts they are claiming belongs to me. I will take further legal actions if these accounts are not removed. I have exhausted all my efforts with this company and the games they are playing or illegal. Please review all 3 credit reports to see the removals, re-insertions, and re-aging that is continually happening. I am really doing all I can to get my credit at a good standing but this is really impacting my credit. I was at XXXX and have. The account that is showing on my Credit Report is XXXX and thats also a violation because account number should be dislosed. 

Please resolve this. 


Thank you
Product: Checking or savings account

We have had XXXX variable rate savings account & XXXX variable rate XXXX  savings accounts with Discover Bank for several years. Discover Bank has been great until recently when they started cheating us out of interest they should have credited to all XXXX accounts. The interest rate and the number of days in the months were identical for XX/XX/XXXX & XX/XX/XXXX for all XXXX accounts, yet Discover Bank credited less interest to all XXXX accounts in XX/XX/XXXX than was credited in XX/XX/XXXX. Interest is paid for the month from the first day of the month to the last day of the month. 

When I called Discover Bank on XX/XX/XXXX to find out why we were paid less interest they said the interest rate was changed in XX/XX/XXXX, yet the interest rates shown on our accounts for the XXXX  months did not change. Screen shots and downloads attached below.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX the XXXX I call transunion because there was a number of unauthorized inquiries on my report I didnt authorize. About 4 of them came from when I went to one car dealer and they ran my credit with multiple lenders without notifying me. The first rep XXXX XXXX I spoke to at transunion was very unprofessional, disrespectful, condescending and dismissive and he should be reprimanded for his behavior. I requested to speak to another representative and was told by her that even though it is clear that all XXXX inquiries were done on the same date I need to contact each lender and get a letter from each. Thats not right I should have to do contact them thats transunion job
Product: Checking or savings account

I was given ( 2 ) checks to deposit into my checking account. {$20000.00} & {$15000.00}. These checks were written to me by my mother with the same last name. I deposited the {$20000.00} check on XX/XX/21 around XXXX XXXX. I was TOLD that it would be a 2 day hold. I then deposited the {$15000.00} check on Friday XX/XX/21. And again I was told a 2 day hold would be applied. 

HOWEVER, the {$15000.00} check cleared BEFORE the {$20000.00}!! The paying bank shows the {$20000.00} cleared on XX/XX/21, BUT they are still holding my money. I have made several phone calls, most unanswered during business hours and then when I finally get a person all they say is they can not do anything and I need to wait! This is unacceptable ESPECIALLY since the money was taken out of the paying bank the day AFTER I deposited it!! So, now my mothers account is not earning interest and I am not earning interest in my account. I am unable to access the funds for my closing of my house and all Chase bank keeps saying is wait. 

They said that the back office needed to do a rereview!! What was wrong with the first review? Why would they need to do ANY review since the paying bank already sent the money!?!?!? This is not the first time Chase Bank has displayed improper business practices. I have been in contact with their executive office in the past over their jeopardizing my life due to CONTINUOUSLY declining my debit card at gas stations. 

I would like to file a complaint about JP Morgan Chase conducting themselves in an unprofessional manner and having poor business practices and continued prejudice towards me and my accounts and my ability to access MY MONEY!
Product: Mortgage

In XX/XX/XXXX, I requested forbearance due to XXXXXXXX XXXX impact on my family 's financial situation. I completed a quick online application and was approved for forbearance. I never received written documentation outlining the terms and conditions of the forbearance. 

In XX/XX/XXXX, I emailed XXXX to request the terms and conditions of the forbearance. The email indicated that I needed to call the provided number for any documentation requests ( Attached ). When I called, I was told verbally that there is no documentation outlining the terms and conditions. 

I have since learned that mortgage servicers are required by law to provide borrowers with written forbearance agreements. 

On XX/XX/XXXX, I emailed XXXX again requesting written documentation of the terms and conditions of my forbearance. The email again stated that I need to call to request the document. I then requested that the document be mailed to me. 

Because of my history with XXXX and receiving misinformation when speaking to them verbally ( misinformation about my forbearance which I have previously filed a complaint for ), I am here. 

To this date, I have not received written documentation outlining the terms and conditions of the forbearance.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent and unauthorized information on my credit report under 15 U.S.C. 1681c-2 and 15 U.S.C. 1681b, and to request that this information be blocked and removed immediately. 

I have attached a copy of my police report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) as proof that this information has been reported improperly. 

Legal Basis : Violation of 15 U.S.C. 1681b and 1681c-2 Violation of 15 U.S.C. 1681b Reporting Without My Consent : According to the Fair Credit Reporting Act ( FCRA ), the inclusion of information in a credit report requires express written consent. 

I never provided such consent for this account to be reported on my credit history, which constitutes a violation of the FCRA. 

Violation of 15 U.S.C. 1681c-2 Fraudulent Information Must Be Blocked : This section mandates that any fraudulent information on a credit report must be blocked immediately when the consumer formally notifies the credit bureau XXXX 

While this account may have been opened in my name, it was reported without my authorization, making it fraudulent and requiring immediate removal. 

Fraudulent Information to Be Blocked The following information on my credit report has been reported improperly and must be blocked and removed immediately : XXXX XXXXXXXX Under 15 U.S.C. 1681c-2, I formally request that this fraudulent information be blocked immediately from my credit report. This information must remain blocked for one year, after which I may request an extension of the block. During this period, this information must not be reported as valid nor allowed to reappear on my credit report.

Previous Attempts and Lack of Response I have made multiple attempts to contact the credit bureau regarding these fraudulent accounts, but the bureau has failed to provide a solution to this issue.

This has significantly impacted me, preventing me from acquiring a new home for my family.

These accounts have been removed and not verified by other credit bureaus, so I do not understand why you continue to claim these accounts belong to me. 

I have requested copies of the contracts from the company in question, but after more than XXXX days, I have received no response. 

For these reasons, I request immediate action to block and remove this information from my credit report.
Product: Mortgage

I purchased a home located in XXXX XXXX, Texas XXXX in XX/XX/XXXX with a conventional home mortgage funded with XXXX Mortgage. In XX/XX/XXXX, my loan was sold to XXXX mortgage. I had no issues during payment with XXXX Mortgage and XXXX mortgage. In XX/XX/XXXX, my loan was sold to PHH Mortgage. I routinely make extra principal payments each month of varying amounts based on additional income I have available each month. Initially the PHH mortgage website added a Pay to Pay fee of {$7.00} per month if I did not agree to accept all correspondence from PHH electronically. I did not want to accept all correspondence electronically, but I also did not want to pay this fee each month just to pay my mortgage online. A few months later, in XX/XX/XXXX, the website then stated that it would add the Pay to Pay fee again, if I did not agree to direct deposit. I do not want to automate payment because I will end up each month paying different amounts, which are varying direct principal payments. Texas has a consumer protection statute that limits all fees to originate, evaluate, maintain, record, insure, or service the extension of credit that exceed, in the aggregate, two percent of the original principal amount of the original extension of credit. Section 153.5. The purchase price of my home was {$170000.00}. Based on this statute, the maximum fees to originate and service my loan are capped at {$3400.00}. At closing, I paid {$2000.00} of fees that are considered part of this 2 % cap limitation. That means no fees greater than {$1400.00} can be charged on my mortgage for its remaining duration. I also did not agree to pay {$7.00} every time I make my monthly payment electronically on my mortgage in the original note, which is the controlling contract as assumed, and unchanged, when it was purchased by PHH Mortgage. If I paid {$7.00} for the life of the loan, I would pay {$2700.00} extra of a 30-year term just to pay for my mortgage. This is an unlawful increase in my monthly interest charge that I did not agree to. This Pay to Pay fee is not included in my note. This Pay to Pay fee costs more than PHH Mortgages the cost of processing an electronic versus a direct deposit payment because both are handled by computers and EFT transfer requests to my bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this due to non-compliance with the ( Equifax, XXXX, XXXX ). They have failed to remove information that was affiliated with personal details that were  challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint against EQUIFAX regarding the inaccurate information reported on my credit report, which violates the Fair Credit Reporting Act ( FCRA ). 
On XX/XX/year>, I discovered discrepancies in the following account ( XXXX ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Disputed Information ( In reviewing the information provided, there are inconsistencies among the three credit bureaus regarding the account #, date opened, high credit, credit limit, last reported, date of last activity, and day of the last payment.

Under Section 611 of the FCRA, I have the right to dispute inaccuracies and request prompt investigation. I formally requested a reinvestigation of the account information and cited relevant sections of the FCRA, including : 1. Section 609 ( a ) ( 1 ) ( A ) : Requirement for verification of accounts through original documentation.

2. Section 611 : Right to dispute inaccuracies and request investigation.

3. Section 623 ( a ) ( 5 ) : Removal of unverifiable information dont validated for creditor Original.

4. 15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy Despite my request, EQUIFAX has failed to conduct a thorough investigation or resolve these discrepancies within the required timeframe of 30 days. This negligence has led to the continued reporting of false information, which has negatively impacted my creditworthiness.

In my request, I emphasized that any unverifiable information should be removed from my credit report INMEDEDIATLY within the mandated 30-day period, as established in 15 U.S. Code 1681i. Additionally, I referenced 15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy. Furthermore, under 15 U.S. Code 1681s-2, furnishers of information are required to investigate and correct inaccurate information upon notice of a dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX Account # XXXX  XXXX has 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 1666B : A creditor may not treat a payment on 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

I recently noticed that my credit report contained what looks like a car from XXXX XXXX. This is not my car, period. I also tried reaching out to XXXX - XXXX, XXXX and Equifax- but never heard back from any of them. So, at this point I'm not sure whatelse to do - Therefore - I recently filled a police report, which I am including as well.
Product: Checking or savings account

It's been a minute ago but I have one of my old co-workers that I had worked a job for deposited my ( Earrings ) Paycheck in my checking account. they said it was fraud it was not and then they dispersed it back to her supposedly, when they had already deposited in my account and close my account as well as top of that which I have deposits and and withdrawals that I have dealing with that account as well with my schooling and other personal business. I feel as it is not corrected and as much needed to be corrected thank you and please get back with me at the earliest convenience on this thank you.
Product: Debt collection

I was sent to see the orthopedic by XXXX and I never asked to be sent to the orthopedic. They sent me there after been injured on the job. I never authorized one visit. The doctor kept given me appointments which I assumed was authorized by XXXX. So why would I pay a debt when I was injured at work and fired while still injured and I never went back to the orthopedic
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  's Credit Bureau XXXX/XXXX -Inquiry date : XX/XX/XXXX. No amount, I called and talk to one of the customer rep and she stated that there is no account in my name and she will send the information to the credit bureau to get removed but that haven't happen as of yet. 

XXXX XXXX  -Inquiry date : XX/XX/XXXX. No amount, I called and talk to one of the customer rep and he stated that there is no account in my name and she will send the information to the credit bureau to get removed but that haven't happen as of yet. 

XXXX -Inquiry date : XX/XX/XXXX. No amount, I called and talk to one of the customer rep, why do I have 2 inquires one from XXXX  and one from XXXX. They couldn't give me a valid answer so this transaction never got completed and called to get it removed since but no resolution on this issue. 

Equifax Credit Bureau EQUIFAX MORTGAGE SER -Inquiry date : XX/XX/XXXX. No amount, I called and talk to one of the customer rep to get a called back to discuss why was my credit pulled, when all I wanted to know was the process and get some information how long from start to finish it will take. Received a call back and stated by the rep that after 3 Months a mortgage inquiry will not hurt my score. But he was missing the whole point it shouldn't have been on my report at all because I was trying to get information and procedures. 

XXXX XXXX XXXX XXXXXXXX -Inquiry date : XX/XX/XXXX. No amount, I called and talk to one of the customer rep, why do I have 2 inquires one from XXXX  and one from XXXX. They couldn't give me a valid answer so this transaction never got completed and called to get it removed since but no resolution on this issue.
Product: Vehicle loan or lease

I filled a complaint previously against BMO. BMO responded but their information is incorrect. BMO stated I paid {$190000.00}. I actually paid {$1900.00} on XX/XX/year> however nobody can provide me with a statement as to what I am paying towards. BMO also states I can go to any branch and make a payment, however nobody in a branch can locate my name, social security or an account number associated to me. The phone number provided in their letter for XXXX XXXX XXXX for any information is also incorrect. Nobody at that phone number can locate me either. 
What account am I paying towards? 
Why can nobody provide me with any answers. I have spent days and now weeks trying to figure this out.
Product: Debt collection

I received a letter regarding a medical debt in the amount of {$1000.00} from a collection agency. This was after I discovered the debt on my credit report. When I contacted the agency to dispute the debt, they informed me that I had three options. Prove the debt was wrong, pay the total amount due, or arrange a payment plan. When I asked for information regarding who the debt was for, I was only provided with name of a generic ambulance company. This ambulance company doesn't seem to exist, or doesn't operate under the name provided, so I asked for additional information and was told they don't provide that information over the phone, nor take requests for such information over the phone. I sent a letter requesting full disclosure of this debt that went unanswered, or acknowledged. I sent a follow up letter formally disputing the debt and it too went unanswered, or even acknowledged. 
Every attempt to address this situation ends with the same result. They demand payment without providing me the opportunity to properly assess this debt, or dispute its accuracy.