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

The below-listed inaccurate reports and inquiries by third-party Equifax shall be removed upon receipt of this notice : 1. ) XXXX XXXX XXXX : Account # XXXX, XXXX XXXX XXXX # XXXX, XXXX, MI XXXX. 
2. ) XXXX XXXX XXXX XXXX : Account # XXXX, XXXX XXXX XXXX XXXX, XXXX, VA XXXX. 
Under the FDCPA 15 U.S. Code 1692c - Communication in connection with debt collection ( b ) Communication with third parties Except as provided in section 1692b of this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a postjudgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector. 
( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt. 

All inquiries shall be removed according to the FDCPA1681b. Permissible purposes of consumer reports A consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a XXXX XXXX XXXX. 
( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
( 3 ) To a person which it has reason to believe- ( A ) intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer ; or ( B ) intends to use the information for employment purposes ; or ( C ) intends to use the information in connection with the underwriting of insurance involving the consumer ; or ( D ) intends to use the information in connection with a determination of the consumer 's eligibility for a license or other benefit granted by a governmental instrumentality required by law to consider an applicant 's financial responsibility or status ; or ( E ) otherwise has a legitimate business need for the information in connection with a business transaction involving the consumer. 
( Pub. L. 90 321, title VI, 604, as added Pub. L. 91 508, title VI, 601, XXXX XXXX, XXXX, 84 Stat. 1129 ; amended Pub. L. 101 73, title IX, 964 ( c ), XXXX XXXX, XXXX, 103 Stat. 506. ) Amendments 1989-Par. ( 1 ). Pub. L. 101 73 inserted ", or a subpoena issued in connection with proceedings before a XXXX grand jury '' before period at end. 
Section Referred to in Other Sections This section is referred to in sections 1681a, 1681e, 1681f, 1681s 1, 1692d of this title. ]
Product: Credit card

I would like for these inquiries to be deleted from my credit profile because I did not authorize these companies to run my credit.
Product: Credit card

Had a credit card with Wells Fargo for a number of years. Never used for large amounts and usually paid off each month. I began using my credit union almost exclusively for checking, savings, investments and credit card so began closing accounts with other institutions. In XX/XX/year>, I went into the Wells Fargo branch on XXXX XXXX in XXXX XXXX, XXXX, paid off the balance I owed, and handed my credit card to the teller and told her to close this account. A supervisory came over to advise, and saw me surrender the card and pay off the balance. Both understood I intended to close the account. 

After a few months I began getting bills for this account. I called a couple of times to tell them it was closed but was ignored. It was then I found out they had ruined by credit rating by reporting the alleged balance, which kept accumulating charges, was still unpaid. They were still accepting charges to an account that had been closed in XXXX! 

Now, due to a critical death in the family I must sell the family home and return to live near my daughter. I am trying to get approval to move into an apartment. But my credit rating has gone from Very Good/Excellent to Poor because Wells Fargo can't be bothered to do what they said they would do in XXXX. 

They are known for horrendous customer service but I never before had too many problems with them. 

THIS IS OUTRAGEOUS.
Product: Credit reporting or other personal consumer reports

This account does not belong to me, and I will like it removed from my credit report due to false and incorrect information
Product: Debt collection

I am being contacted by a debt collection company for a debt that is not mine. I believe this debt is a result of identity theft. This company has not validated this debt per my request.
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 : ACCOUNT # XXXX, XXXX XXXX : ACCOUNT # XXXX OR XXXX, XXXX : ACCOUNT # XXXXXXX, XXXXXXXX XXXX  : ACCOUNT # XXXXXXXXXX, XXXX XXXXXXXX : ACCOUNT # XXXXXXX, XXXX XXXX XXXX : ACCOUNT # XXXX, XXXX XXXX  ACCOUNT # XXXXXX, XXXX ACCOUNT # XXXXXX, XXXX XXXX XXXX ACCOUNT # XXXXXXX 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 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 XXXX 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

In accordance with the Fair Credit Reporting ActXXXX XXXX Accounts below have violated my rights : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions - XXXX XXXXXXXX Account # XXXX XXXX  XX/XX/XXXX : {$360.00} - XXXX XXXX Account # XXXX ; XX/XX/XXXX : {$270.00} - XXXX XXXX Account # XXXX XXXX XXXXXX/XX/XXXX : {$490.00} - XXXX XXXX Account # XXXX ; XX/XX/XXXX : {$3700.00} - XXXX XXXX  XXXX Account # ; XX/XX/XXXX : {$650.00} - XXXX XXXX XXXX XXXX Account # XXXX ; XX/XX/XXXX : {$80000.00} - XXXX XXXX XXXX Account # XXXX ; XX/XX/XXXX {$15000.00} - XXXX  Account # XXXX ; XX/XX/XXXX {$3500.00} - XXXX XXXX XXXX  Account # XXXX ; XX/XX/XXXX {$73000.00} - XXXX XXXX Account XXXX XXXX ; XX/XX/XXXX {$360.00} 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: Credit reporting or other personal consumer reports

My credit report is still showing late payments on ACCOUNT/S. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or customer service representative.CITIZENS ONE XXXXXXXX
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. 

Account name : 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 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 card or prepaid card

Dear Sirs and, or Madams : Thank you all for your time. 

I had been using the American Express prepaid " Serve '' card ending in XXXX for several years. On XX/XX/2019 I loaded it with my cash : {$1500.00}. On XXXX AMX cancelled the card, keptStole my money, citing a vague fraud clause in their policy and procedures. 

AMEX has not stated beyond the clause what they believe I did to be deemed fraudulent. 

When I called them, they would not give me any answers nor would they let me speak with the department that made the bogus fraud determination. 

I have done nothing fraudulent with their card. 

AMX has previously been in hot water with the CFPB for similar if not the exact arbitrary, unfair business practices. 

It has been almost nine months, close to a year with no resolution. I really need my money!!!! 

Thank you all again, XXXX.
Product: Debt collection

This company shall provide proof I received the a 5 day notice of this alleged debt before it was placed on my Credit report.

Delete this account if you cant prove I got the notification which I never did. The FCRA says I have the right to dispute any alleged debt by responding to a 5-day notice prior to it being placed on a consumer 's report.

AGAIN DELETE This ACCOUNT OR IM BE MORE THEN HAPPY TO SUE YOUR COMPANY, in court proof is required, I'll ask how can you prove I received the notice.
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Credit card or prepaid card

Dear Agent, JPMC is retaliating against me because I complained to the CFPB. I wrote a complaint last week. This Monday, XXXX XXXX XXXX from Chase ( rep # XXXX ) called to tell me they are investigating the complaint. Today, Friday XX/XX/XXXX, I got a call from Chase telling me they are decreasing my personal credit card limit that I have with them from XXXX to XXXX. They did a " periodic review '' and determined because of this issue I have with their business card that is decreasing my personal credit score because of late payments. For three year now we have been paying on time and they never touched my other credit cards. Now they are decreasing my personal credit limit which further messes my credit card. There is no coincidence that after I complained to CFPB that they are doing dirty retaliation by making it much harder for me. I am seriously getting a lawyer, I'm going on social media, and news. This is not right!
Product: Credit reporting or other personal consumer reports

i have not supplied proof under the doctrine of estoppel by the silence XXXX. XXXX XXXX ( Mo ) XXXX XXXX presumed that no proof of the alleged debt. Nor theredore any such debt in fact therfore exisits. ( please remove these accounts before i seek litigation for defamation of character ). XXXX 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: Credit reporting or other personal consumer reports

Ive contacted Equifax several times and mailed in over 30 documents to show my identity because the office of consumer affairs department with said there handling my credit file but I must prove my identity. I have over 20 fraud account on my credit file with Equifax and I'm not getting no help, I have sent in a FTC identity theft report and police report and a list of fraud account and addresses. no help. no response. please remove this fraud account off my credit file, 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, PLEASE HELP
Product: Credit reporting or other personal consumer reports

Received email from chase credit journey saying I received a major derogatory on my credit report, from Experian, don't know how chase found out because my credit should be on A freeze and have a active fraud alert,
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Inaccurate Information on Credit Report - FCRA Section 611 Dear Sir/Madam, I am writing to dispute inaccurate information listed on my credit report provided by Transunion. Pursuant to my rights under Section 611 of the Fair Credit Reporting Act ( FCRA ), I am entitled to have any inaccuracies promptly investigated and corrected. 
After reviewing my credit report dated XXXX XX/XX/XXXX, I have identified discrepancies that necessitate your immediate attention : XXXX XXXX XXXX XXXX XXXX : {$10000.00} / {$7100.00} XXXX : {$10000.00} / {$0.00} TransUnion : {$10000.00} / {$0.00} Inaccuracy Noted : There's a discrepancy in the credit limit reported. XXXX lists a credit limit of {$7100.00}, while both XXXX and TransUnion show a credit limit of {$0.00}. 
Last Reported : XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX TransUnion : XX/XX/XXXX Inaccuracy Noted : XXXX reports the last update almost a month earlier than XXXX and TransUnion. 
Comments : XXXX : Charged off as bad debt XXXX : Unpaid balance reported as a loss by the credit XXXX TransUnion : Consumer disputes- reinvestigation in progress Inaccuracy Noted : The comments vary significantly, indicating different stages or perspectives on the account 's status. While XXXX and XXXX indicate the account as a loss or bad debt, TransUnion notes an ongoing dispute. 
Date of Last Payment : XXXX : XXXX XXXX XXXX XXXX TransUnion : XX/XX/XXXX Inaccuracy Noted : There's inconsistency in the date of the last payment. TransUnion shows a much earlier date, whereas XXXX shows a significantly later date, which might indicate more recent account activity that isn't reflected in the other reports. 
Date Last Active : XXXX : XXXX XXXX XXXX XXXX TransUnion : XX/XX/XXXX Inaccuracy Noted : There is a significant discrepancy in the reported " Date Last Active '' across the XXXX bureaus. TransUnion reports a much more recent activity date than XXXX and XXXX Section 611 of the FCRA mandates that you conduct a reasonable investigation into these discrepancies. This is a violation of 15 U.S. Code 1681i ( 5 ) Removal of Inaccurate/invalidated credit information, please remove immediately Therefore, I am enclosing copies of supporting documentation to assist in your investigation, including [ documents/evidence supporting your claim, such as billing statements, payment records, or correspondence with creditors ]. 
I hereby request that you undertake a thorough investigation of this matter and provide me with a detailed explanation of your findings within 30 days, as stipulated by Section 611 of the FCRA. Should the information be found to be inaccurate, I expect prompt correction or removal from my credit report.

Furthermore, pursuant to Section 611 ( a ) ( 5 ) ( A ) ( ii ) of the FCRA, I request that you notify me of the results of your investigation and any amendments made to my credit report. Thank you for your prompt attention to this matter. I trust that you will handle this dispute in compliance with federal law. 
Sincerely, XXXX XXXX XXXX
Product: Mortgage

In XXXX, XXXX we assumed a VA mortgage via Freedom Mortgage. In XXXX, XXXX Freedom Mortgage errantly paid {$1200.00} to the prior borrowers insurance company out of our escrow account. As a loan assumption customer, Freedom Mortgage restricts online account access and all support must be obtained via their phone support line. Following several contacts with customer support, I was assured reimbursement would be paid to my escrow account. This never occurred, so I emailed the company CEO with my concerns. He forwarded my email to a dedicated support XXXX, XXXX XXXX, who committed to support my case to completion. Between XX/XX/XXXX and XX/XX/XXXX I attempted to contact XXXX XXXX times via email with no response. During subsequent calls to customer support I was informed that loan assumption customers would be provided online account access beginning in XX/XX/XXXX so I agreed to re-address at that time. It is now XX/XX/XXXX and loan assumption customers still do not have the ability to access their mortgage accounts online and I have not received reimbursement for to the aforementioned payment of another individuals insurance policy out of my escrow account. Freedom Mortgage repeatedly states that a third party software provider is responsible for the lack of account access to loan assumption customers ; however, this issue has been going on for more than XXXX  months and Freedom Mortgage must be held accountable for this unacceptable service.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Late Payment on Account Number XXXX I am writing to dispute the reporting of a late payment on my credit file for account number XXXX with XXXX. I assert that there has never been a period where my account was 180 days late, including the month of XX/XX/2023. 

I request a review and correction of this information. Under the Fair Credit Reporting Act, I expect a response within 30 days of receipt of this letter.
Product: Credit reporting or other personal consumer reports

On XX/XX/2023, I receive an email from XXXX thanking me for applying for a XXXX XXXX XXXX credit card. I also received an alert from XXXX notifying me that my credit file had been updated. I logged into my XXXX  account and noticed that XXXX XXXX  XXXX  received a copy of my XXXX Credit Report. I have never applied for any XXXX credit card and I did not authorize them to pull my credit. I put a freeze on my credit file with all three bureaus and asked them to submit a fraud alert. I called XXXX to dispute the hard pull on my credit and will also be calling Equifax and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

violating my consumer rights according to 15 U.S.C 1681. XXXX XXXX XXXX  # XXXX XXXX5 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 reporting containing any of the following items of information. Any other adverse item of information, other than records of convictions of crime which antedates the report of more than seven years. ! 5 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. Company states the item has been verified and belongs to me without showing how item has been verified and the claims it belongs to me when I have NO knowledge of it. Under the FCRA I have the rights to know how its been verified, the investigation information and to ask the credit bureaus to respond within 14 days and resolve.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX are incorrectly reporting a charge-off account where I am shown as an Authorized User on XXXX  XXXX -  partial account number XXXX.  (Please see pages 8 and 9 of the attached credit report.)  I have already called the bank and let them know that I never gave permission to be added as an Authorized User to this account.  This tradeline has been removed from XXXX however Equifax and XXXX have not removed this from my credit report.  I have contacted the two bureaus to fix this issue but I have not been successful.  This negative reporting is harming my credit score and this line item needs to be removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have previous on multiple occasions asked Experian to verify inaccurate items on my credit report. They have contacted me stating they have verified items that I asked to be verified. 
Concerning XXXX # XXXX They have remarks stating this account was included in a bankruptcy when it should be discharged and they say it was included or discharged through Bankruptcy XXXX or XXXX. First if they verified the item they would know there's no such thing as a XXXX Bankruptcy and secondly if in bankruptcy they couldn't report a high credit limit which would be a violation of the bankruptcy. It also says the payment status is current. 

Concerning XXXX XXXX # XXXX They have remarks stating this account was included in a bankruptcy when it should be discharged and they say it was included or discharged through Bankruptcy XXXX or XXXX. First if they verified the item they would know there's no such thing as a XXXX Bankruptcy and secondly if in bankruptcy they couldn't report a high credit limit which would be a violation of the bankruptcy. It also says the payment status is current and list the terms of the loan. wonder how can a payment status be current if the account is in bankruptcy? 

Concerning XXXX # XXXX They have remarks stating this account was included in a bankruptcy when it should be discharged and they say it was included or discharged through Bankruptcy XXXX or XXXX. First if they verified the item they would know there's no such thing as a XXXX Bankruptcy and secondly if in bankruptcy they couldn't report a high credit limit which would be a violation of the bankruptcy. It also says the payment status is current. 

If Experian actually verify the information shouldn't the information be correct that is incorrect or if they cant verify the information delete it? 

All these accounts list a chapter XXXX bankruptcy, they include account status as current, High limits and all items that are not allowed to be reported from accounts in bankruptcy. 

My birthdate is listed as XXXX which is inaccurate and incomplete. They also list a address I have never resided at and it's a XXXX in XXXX of XXXX while I have been living at XXXX XXXX. XXXX XXXX since XXXX XXXX.