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

i originally sent experian, XXXX and XXXX a letter opting out from reporting the mentioned account, they failed to comply with my opt out requests and continued to report. i would like for them to initiate arbitration and pay all the costs
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 2nd letter that I am a victim of identity theft and I write to dispute certain items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 
If you claim this account is 100 % accurate and verifiable, then I need you to provide me with copies of any documentation associated with this account which bears my signature, as I believe none exists. When you find no signed agreement bearing my signature I need you to remove this account from my file. 

This item/account is unknown to me. Also, the information you provided on some item is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some item is a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 
XXXX XXXX XXXX XXXX XXXX, XXXX, NJ, XXXX, XXXX XXXX XXXX, XXXX, NY, XXXX, XXXX XXXX XXXX, XXXX, NY, XXXX, XXXX XXXX XXXX Date Opened : XX/XX/2018 Balance : {$21000.00}
Product: Prepaid card

I was given two AMEX giftcards as a gift in XX/XX/XXXX. It has been incredibly difficult to find retailers that accept these giftcards. In XXXX I found a couple retailers that would accept the gift card but more recently no retailers are readily accepting the giftcards, even though they are advertised as being easy to use and accepted at any AMEX friendly retailers. 

In XX/XX/XXXX I've tried making purchases at XXXX with the remaining balance on the giftcards only to have them continue to be declined ( although AMEX still charges a XXXX cent transaction fee for every attempted charge ). I've now spent hours trying to get these gift cards to work. 

On XX/XX/XXXX I called AMEX to get them to rectify the situation only to be told that these gift cards should work anywhere but some retailers don't accept them due to stricter security measures. I was told since the card is not registered in my name, some retailers recognize that as a signal of fraud. I asked if I could register this gift card in my name to fix the issue and they said that is not possible. In other words these gift cards are not actually easy to use or accepted by majority of retailers. 

I then asked how I was supposed to use the cards if they are going to keep getting signaled as fraud and I was told to " keep trying different merchants ''. I asked if they have a list of merchants that accept these cards and she said they do not. So as a consumer I am supposed to waste countless hours of time trying to figure out how I can spend money, this is criminal. Meanwhile AMEX is collecting transaction fees and keeping money that is not theirs. This is a scam, The two gift cards I have are : Card number 1 : XXXX, balance of XXXX Card number 2 : XXXX, balance of XXXX
Product: Credit reporting or other personal consumer reports

XXXX 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 Subject : Dispute of Unauthorized Inquiry on My Credit Report Dear TransUnion Dispute Department : I am writing to formally dispute an inquiry that appears on my credit report. According to 15 U.S.C. 1681b of the Fair Credit Reporting Act ( FCRA ), consumer reporting agencies are required to ensure that inquiries listed on a credit report are authorized by the consumer or made for permissible purposes as outlined in the law.

The inquiry in question appears to have been made without my authorization. Therefore, I am requesting that you investigate and, if appropriate, remove this inquiry from my credit report.

Under 15 U.S.C. 1681b, consumer reporting agencies may only disclose a consumers credit information for specific, legally authorized purposes, such as : With the consumers written consent ; In connection with a credit transaction initiated by the consumer ; or For other permissible purposes outlined in the FCRA. 
If the inquiry can not be verified as authorized or permissible under the FCRA, I request its immediate removal from my credit report. 

Relevant Law : 15 U.S.C. 1681b This section of the Fair Credit Reporting Act specifies that consumer credit reports may only be accessed for legitimate purposes, including : A court order or subpoena.

Written permission from the consumer.

Legitimate business needs in connection with a transaction initiated by the consumer.

Any violation of these conditions may be a breach of my consumer rights as protected under federal law. 

Please investigate this matter and provide a written confirmation once the investigation has been completed and the necessary corrections have been made. You may contact me by email at XXXX or by mail at the address provided above. 

These are the laws being violated : 15 U.S. Code 6801 : Protection of personal information.

15 U.S. Code 6802 : Obligations regarding the disclosure of personal information.

15 U.S. Code 6803 : Disclosure of privacy policies.

15 U.S. Code 1681e ( b ) : Accuracy of credit reports.

15 U.S. Code 1681a ( d ) ( 2 ) : Exclusion of certain transactions from credit reports.

18 U.S. Code 1028A : Aggravated identity theft. 
Sincerely, XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, personal loan, or advance loan

Started an installment loan with the Bank of the West out of Nebraska. Im not sure if another company bought them out or they joined. I started an auto payment with Bank of the west. When I stated the loan back in XXXX. The payment was XXXX I set up the auto pay for them to take XXXX out of my account every month. And there would not be any issues. Like I said before they were bought out or joined with BMO Bank N A out of XXXX XXXX IL. I assumed everything was all good. As I received statements starting in XXXX of XXXX and each statement said nothing was do. So I assumed everything was all good and I have or keep all my statement 's. On or about the week after the XXXX of XX/XX/XXXX I got a call that was left on my phone from BMO that they needed to talk to me about an important matter. So I returned the call, and I was told that my account was in collections. And I asked them why and they said I had not made a payment for XXXX of XXXX and that it was over due. And I asked them repeatedly to explain how this was, if I had an auto may from the beginning of the loan and all they could tell me was no I did not. After much frostation I asked to speak to a manager/ supervisor and I was told that there was no supervisor available that they would have one call me. Never got a call. Then on XXXX XX/XX/XXXX I got a letter from BMO stating that my account was delinquent and the past due date was XXXX XXXX XXXX. I want on line and made payment and again set up an auto pay. But on the mean time they have messed up my credit. And I would like it fixed.
Product: Debt collection

XXXX XXXX XXXX ( Original Creditor : SYNCHRONY BANK ) Debt does not belong to me
Product: Credit reporting or other personal consumer reports

Today, I am writing this complaint to Experian regarding the incorrect information on my accounts. I sent them a letter requesting for investigation of those accounts mentioned, they took more than 30 days to complete and they stated that they have completed the investigation. However when I pull my recent report I don't see any changes made at all. They claimed that they verified the information but how come that it is verified when the date of last activity, date opened, date of last report.

payment history and status are inaccurate? This is not right. I understand my rights under 15 U.S.C 1681 section 602 A which states that I have the right to privacy and 15 U.S.C 1681 section 604 A Section 2, which also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Vehicle loan or lease

In ordinance with the Fair Crediting Act this creditor has violated my rights. Under 15 U.S.C 1681 Section 602 states thatsi have the right to privacy. Under 15 U.S.C 1681 Section 604 A Section 2 also states that a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

I disputed inaccurate information multiple times with the credit bureaus over and over again and they have not removed. They keep saying its verified and it is not accurate information
Product: Credit reporting, credit repair services, or other personal consumer reports

There are several items on my credit report that say no status. When I called into the credit reporting company Experian, the gentleman was extremely rude and told me that the one from XXXX XXXX XXXX was a charge off. I told him I had no idea what he was talking about and he said he was going to update it to say it was a charge off. They refuse to allow me to dispute it and dont send me any proof of what it is.
Product: Credit card or prepaid card

This account is not mine I never opened nor did I allow anyone to open this account in my name, I am a victim of identity theft.
Product: Credit card or prepaid card

On XX/XX/19 I placed an online order with Macy 's. Order number : XXXX. Items ordered are shown in the PDF attachments. This complaint specifically refers to items : XXXX Black Jeans. I ordered 2 pairs of size 31X32 of this specific brand of jeans, however only received 1 pair. I was subsequently charged for 2 pairs. PDF and receipts are attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have wrote letters, faxed, and spoke with representatives concerning my credit report. There are frivolous inquiries on my credit report, and accounts that are closed that should no longer be appearing on my credit. There are  XXXX  judgements which are paid in full that is still showing on my report. There is also a bankruptcy that should not be on my credit report. This is all with equifax,  XXXX , and  XXXX !!!!! I keep getting the run around and Im tired .... there is like a thousand address/ names etc that I want updated also. Please HELP!!!
Product: Mortgage

I have a mortgage with Indymac bank which was bought by Onewest Bank Reo, LLC, my house entered in foreclosure in 2009, I received a offer from the bank to make 3 payments, after the last one we agreed to set a permanent modification, I made the on time payments by they returned my last one and I was told that they just change their maid despite that we had a signed agreement, after that unfair situation I keep trying to obtain a loan modification and they asked for documents that I sent accordingly, most of the times they responded that they did not received them, despite that we sent them by certified mail. In the foreclosure court their argument was that I did not qualify for modification but they never provided me with that information or the reasons for their denial, but the National Mortgage Settlement reinforces obligations on Onewest Bank Reo , Llc., to follow the HAMP guidelines, and in my case those guidelines never were followed, my house still in foreclosure and the bank did not submitted any information that justify my modification denial.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account is included in Chaper XXXX bankruptcy case number XXXX in the XXXX XXXX of Michigan
Product: Checking or savings account

On XX/XX/XXXX Capital one closed my account and they said they will send me a check. Now that it is XXXX they still havent send me my money nor will they return my calls. I cant transfer my money to my new bank because they block it.
Product: Credit reporting or other personal consumer reports

Equifax XXXX and XXXX have violated my rights by using in accurate and inconsistent information across the 3 bureaus. From dates open to incorrect balances nothing is making sense, and I am asking that all accounts be deleted .According to the consumer financial protection bureau and by law the fair credit act 15 U.S.C . Sec. 1681i ( a ). That if you can't provide proof and if the information is inaccurate, these accounts must be deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, 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.
Product: Student loan

I have applied for PSLF. My loans ( 1 & 2 ) were transferred to FedLoan Servicing in XXXX of 2021. 

I am concerned with how the Payment Counts differ, 17 & 55. These are consolidated loans, and payments were made on-time and were in an income-based repayment plan.
Product: Credit card or prepaid card

I set up direct pay with Discover in their app and theyre not withdrawing my funds as a payment.
Product: Checking or savings account

On XX/XX/2023, I logged into my JP Morgan Chase bank account to review my balances and saw that my savings account balance was {$890.00} and my checking account balance was {$0.00}. These amounts were significantly inconsistent with my balance and activity. 

I looked at my checking account and saw 59 ATM withdrawals had been made on XX/XX/XXXX and XX/XX/XXXX in amounts of {$1.00}, {$100.00}, {$140.00} and {$160.00} and totaling over {$9000.00}. 

I immediately went to my bank branch to discuss next steps. A case was opened by XXXX XXXX, the Branch Manager of Chases XXXX XXXX branch. XXXX XXXX canceled the card ( which was still in my possession ) and closed the accounts. XXXX XXXX reported the unauthorized transactions and I expected that I would get my money back, Instead, on XX/XX/2023, the Chase Customer Claims team sent a letter stating that they found all of these transactions to be authorized and would not make an adjustment. 

59 transactions below {$200.00} over 2 day period should have been flagged by Chases Financial Crimes staff, as this activity is not wildly inconsistent with prior account activity but is the very definition of unusual or suspicious activity as described in the Interagency Guidelines on Identity Theft Detection, Prevention and Mitigation. Chases failure to identify this fraud is grossly negligent. 

My prompt reporting to Chases bank manager took place within 48 hours of the clearly fraudulent activity. Under Regulation E, had a legitimate review taken place, my liability would have been capped at {$50.00}. 

It is disappointing, although not surprising given Chases regulatory history with respect to money laundering, sanctions and fraud detection weaknesses, that I am now seeking assistance from the CFPB to be made whole.
Product: Debt collection

OnXX/XX/XXXX, I was notified of a garnishment that would soon commence by the Human Resource department. After reviewing the summons signed by judge, I was able to ascertain a case number for the judgement. The summons was submitted by Plaintiff : c/o XXXX XXXX XXXX, XXXX Aldridge Pite Haan XXXX XXXX XXXX XXXX XXXX XXXX , GA XXXX. XXXX. APH File number : XXXX. This is where it gets squirrely. Based on the case #, I was able to pick up copies from the court house., XX/XX/XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX , Attorney at Law - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX, XXXX , GA XXXX XXXX filed a suit stating an amount owed of {$1000.00} plus $ XXXX-attorney fees ; interest {$350.00} and court costs of {$100.00} totaling {$1600.00} with {$5.00} FiFa fees. Included are also 4 different bills for sale for companies that are all out of business. There is also a generic cardmember agreement for XXXX XXXX. On XX/XX/XXXX, XXXX XXXX XXXX  filed an affidavit for breach of contract and failure to file answer with court. I have no contract. I never received copies of the summons nor judgment. XXXX XXXX XXXX sold account to Aldridge Pite Haan, which have filed to enforce judgement by way of garnishment. However, After contacting XXXX XXXX XXXX to ascertain what the debt claim is for, they advise they have no information and are working solely from the judgment. The current company Aldridge Pite Haan, also state they do not have any information regarding the debt. Aldridge Pite Haan filed for garnishment in the amount of {$2800.00}. I do not know what this debt is and unable to trace through my credit report either. Please help! I have exhausted all avenues to trace the origin to no avail, as all are out of business or claim to not have the information. I do n't understand how companies can file legal paperwork with no proof of debt. In my attempts to research, I also found documentation of shady business practices by XXXX XXXX XXXX XXXX XXXX. I believe my case falls within claims against XXXX XXXX XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance With The Fair Credit Reporting act. The list of account below violated my federally consumer right to privacy and confidentiality under 15 USC1681. XXXX XXXX  acc # XXXX, XXXXXXXX XXXX XXXX acc # XXXX, XXXX XXXX acc # XXXX, XXXX XXXX acc # XXXX, has violated my right. 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

My name is XXXX XXXX am a federally protected consumer and I am making this complaint against XXXX XXXX for committing identity theft. I have never given XXXX XXXX any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am aware that in accordance with Article 9 the assignment of a default note is illegal both the assignee and the assigned are both liable for violation under 15 USC 1692 a 12. XXXX XXXX has committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer report including but not limited to 15 USC 1692 before which the FTC defines as debt parking. on XX/XX/XXXX and affidavit was sent to great informing them of the fraud the was committed in the allege contract. XXXX XXXX has sent XXXX contracts for the same alleged debt with XXXX different balances and signed XXXX years apart. XXXX responded on XX/XX/XXXX and stated the would remove the account and reduce the balance to {$0.00}. XXXX Months later XXXX XXXX and the consumer reporting agencies has fail to ensure maximum possible accuracy to my report while investigating bring harm to me and my financial reputation by failure to update the Information.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is unverified information on my reports which are causing financial harm to me and my family. The creditors on my report are in violation of the FCRA and FDCPA. I have sent out Affidavits of Verification to each of the three Credit Bureaus in an attempt to receive verification of the following items. 

XXXX Account : XXXXXXXX XXXX XXXX Account : XXXX XXXX XXXX Account : XXXX
Product: Credit reporting or other personal consumer reports

This whole process is causing issues to my life. 
I have called the reporting agencies and let them know there was so many things wrong with my report like First off the accounts included below are not supposed to be visible on my consumer report.

I have recently been denied employment and also denied financial assistance due to these companies reporting accounts without my written consent. This has caused me great hardship and I believe this is against my Federal rights.

Under 15 US code 1681e ( b ) and 15 US code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

This is Aggravated Identity Theft 18 U.S Code 1028A and I demand this be deleted from my report in 5 days.
Product: Money transfer, virtual currency, or money service

In XX/XX/XXXX, an internet friend introduced me to a International crime agent whose name is XXXX XXXX. XXXX said that he can investigate a scammer named XXXX XXXX in XXXX to get him arrested. So I entrust him to do the investigation for me. He said that his initial fee is {$2000.00} and asked me to transfer to his friend named XXXX XXXX of XXXX for me. XXXX XXXX and XXXX XXXX can fly to XXXX to do the investigation. So I transfer the following {$2000.00} to him via XXXX XXXX as follow : Order Date Amount Recipient XXXX : XXXX XX/XX/XXXX {$1000.00} XXXX XXXX, XXXX XXXX : XXXX XX/XX/XXXX {$1000.00} XXXX XXXX, XXXX  After I sent the money to them, they just gave me a faked story and then disappeared. I immediately ask for a refund, and then did not contact me anymore.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. I REALLY APPRECIATE IT IF YOU UPDATE OR REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX  XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX ) XXXX
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I 've been requesting a payoff quote from Seterus since XXXX XXXX, 2015 and I 'm still not in receipt of the quote, even after consistent follow up and follow through with Seterus. Please see attached for specifics on follow up and communication with Seterus.