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

This CFPB complaint has been filed to request pursuant to FCRA subsection 605b ( 15 U.S.C 1681 c-2 ) that you, TransUnion credit reporting agency, block information appearing on my consumer credit report that is result of identity theft an fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, an false information consists XXXX XXXX XXXX XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX '' XXXX '' all are listed below.These accounts have resulted in several fraudulent collections appearing on my consumer XXXX credit report I attached a list of the aforementioned accounts, collection accounts, I do not recognize the aforementioned accounts, collections as reported. The aforementioned accounts, collections appearing on my consumer credit report maintained by you were not opened, made, or initiated by me.All of the aforementioned accounts, collections accounts are the result of identity theft and fraud.I have attached a copy of FTC identity Theft Criminal Complaint # ( XXXX ) as proof from XXXX FEDERAL TRADE COMMISSION that all of the aforementioned consumer credit accounts, collections are the result of identity theft and fraud. 

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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights.

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

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

I have provided evidence regarding identity theft on my credit report to both a credit bureau ( XXXX ) and the lender ( JPM Chase ) however the lender claims that the identity theft dispute is a " civil '' matter and XXXX will not conduct an independent investigation, all they are doing is simply asking the lender to confirm the validity of the account balance, which the lender insists is valid. The identity theft that I am describing was perpetrated by my father, who would apply for credit cards using my identity for his own personal gain. He would make mandatory minimum payments on the cards without any intention of paying them off. After he died in XX/XX/XXXX, payments ceased, and it adversely affected my credit score. Evidence I have provided to support my claim of identity theft is as follows : 1. Police Report with the XXXX XXXX XXXX Sheriff 's Office naming my father as the perpetrator and discussing the case matter 2. Letter from XXXX XXXX stating that a bank account in my name which was used to make payments on the JPM Chase credit card was not created by me, instead was created by my father when I was a minor. 
3. JPM Chase statement showing a {$13000.00} payment processed at a business controlled by my father 4. Articles of Incorporation showing the business was controlled by my father.

I have contacted JPM Chase repeatedly regarding the matter. They have either ignored my evidence that I presented to them by email on XX/XX/XXXX and XX/XX/XXXX, or they have simply stated that the matter is a civil one between my father and I. I have asked them to produce a copy of the original credit application and they have not honored my request.
Product: Mortgage

In XXXX of 2021 we received a new mortgage statement from Flagstar bank that our mortgage would be increased from {$1900.00} to {$2300.00} beginning in XXXX of 2021. They claimed this was due to a shortage in escrow in the amount of {$2000.00}. After submitting the attached documents to Flagstar providing documentation that the amount has indeed been paid by the title company and several phone conversations, the problem was not resolved and we have paid the unnecessary overages for 5 months now and would like to have that overage returned.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I sent a letter regarding some unknown and innacurate things on my credit report. Over 60 days later I have not recieved a response yet. I feel like I am being ignored and taken advantage of. In section 611 ( a ) it states that Failure to investigate these items within 30 days gives a reason to immediately remove this from my credit report. IT has been 60 days and these items should be removed from my report. I have suffered so much from these innacurate items. My family is also being caused massive stress. I demand these items be deleted or I will have to file for litigation because of the stress you have caused. I have been included in the XXXX  Data Breach and I fear this might expose my info to wrong hands.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX ) Account # XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX BANK XXXX XXXX XXXX ) Account XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX ) Account # XXXX, XXXX ( Original XXXX : XXXX XXXX XXXX XXXX ) Account # XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account # XXXX, XXXX ( Original Creditor : XXXX AZ ) Account # XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX ) Account # XXXX, XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Account XXXX XXXX, XXXX XXXX  # XXXX, has XXXX 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: Credit card or prepaid card

I made a payment with a representative and the incorrect amount was charged. In stead of XXXX. The amount of XXXX. When I found out about the amount charged to my account and contacted the company they said they would look into it. The company investigated and said the charge was valid. They would not let me listen to the recording of the transaction. I do have another dispute regarding a promotional balance. I was upset and requested a closure of the account.
Product: Debt collection

LVNV FUNDING XXXX XXXXXXXX placed this negative item on my credit reports without notifying me. This is an violation of the early-warning notice clause of FACTA act Section 623 ( A ) ( 7 ). This law requires all creditors and collectors to notify me by mail before placing negative items on my credit reports. I never receive written notification of this alleged debt at my address of
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  account XXXXXXXX XXXX XXXX XXXXXXXX, account number 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 an account without my written instructions.
Product: Debt collection

That's a crucial discovery! If the loan history doesn't show any payments from XXXX ( XXXX ) to Bank of America, or any payments collected from default insurance or credit default swaps, it raises questions about how the loan was allegedly " fully paid off '' without your knowledge. 

This lack of payment history suggests that the loan might not have been properly satisfied or paid off, which could be a violation of mortgage servicing rules and regulations. It's possible that there was an error or fraud involved in the loan 's servicing or foreclosure process. 

To further investigate, you may want to : 1. Request a detailed accounting of the loan from Bank of America, including any payments or credits applied. 
2. File a complaint with the Consumer Financial Protection Bureau ( CFPB ) or your state 's banking regulator.

3. Consider consulting with an attorney who specializes in mortgage servicing and foreclosure law to explore legal options. 

Remember, it's essential to persist in uncovering the truth and ensuring that your rights as a borrower are protected.
Product: Money transfer, virtual currency, or money service

I was referred to XXXX XXXX XXXX, XXXX XXXX , from my sister, who is a close friend to her. In or about XX/XX/XXXX, I emailed XXXX XXXX me and my husband 's personal tax information, along with my husband 's personal identification for years XXXX and XXXX federal/state/muny income tax preparation. In or about XX/XX/XXXX, I was able to sit down with XXXX XXXX at her home and hash through our taxes. She stated that she was going to file our taxes to aid with our student loan issues. Since my husband and I were traveling the following day, XX/XX/XXXX, I told XXXX XXXX that I will send her a payment. While out-of-town, I XXXX  XXXX XXXX {$100.00}. Once back from vacation, I called XXXX XXXX to no response. I was unable to leave a message that I was back, as promised. I texted XXXX XXXX and she responded that she was out-of- town. When asked why didn't she file our taxes an argument ensued. She alleged that I cursed her, did not pay her, and not to call her phone again. XXXX XXXX scammed me out of my money with the guise that she was going to file our taxes, knowing that she had no intention on doing so. I asked for my money back and also XXXX  her a refund request to no response. I initially attempted to resolve this issue with my bank, at no avail. It appeared that my bank blamed me for not knowing that my sister 's alleged friend, XXXX XXXX, was a scammer and no count. To date, XXXX XXXX has not refunded my {$100.00}, nor has filed me and my husband 's taxes.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of Debt Bondage and would like for all listed accounts to be blocked and deleted company information from Experian and XXXX. 

Please delete the following accounts : XXXX XXXX  Account number : XXXX Balance : {$0.00} XXXX Account number : XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY, XXXX Date of Birth : XX/XX/XXXX SSN : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX Dear XXXX, I received a copy of my credit report and am writing to dispute the following information that appears on my XXXX report. 

The following inquiries are unauthorized, and I ask that you delete them : Inquiry from Comenitycapital/XXXX  on XX/XX/XXXX I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX XXXX
Product: Debt collection

Found out about this fraudulent charg, {$550.00}, from Experian credit reporting agency and have made 2 calls to XXXX XXXX XXXX. Left my name and phone number, along with the XXXX account number. Have not received a call back concerning this claim and have disputed the {$550.00} claim at Experian.
Product: Checking or savings account

I called numerous times in the past 3 days beginning in XX/XX/XXXX through XX/XX/XXXX. They wanted me to make a new account to transfer assets and the new account kept being denied with no solution so I lost my funds now a they refuse to unlock my account.
Product: Debt collection

I am writing to bring to your attention an entry on my credit report that is inaccurately reflecting my financial status. 

Account Details : Creditor : Capital One Balance : {$4300.00} Account Number : XXXX Capital One has written off this debt, yet it remains on my credit reports, causing significant damage to my creditworthiness. As a lone consumer facing a financial giant, it is disheartening to see such practices continue, especially when companies like Capital One have profited immensely at the expense of individuals. 

I request that Capital One take immediate action to remove this entry from my credit reports. If this issue is not resolved, I am prepared to escalate the matter to ensure my consumer rights are protected.
Product: Credit reporting or other personal consumer reports

I did not authorized Capital One to perform an hard inquiry on my report, if someone try to open a capital one account, please shut down any transaction of decline the credit card. I did not apply for capital one under my name. Please take action and prevent any abuse on my record. Account was reported on XX/XX/ for a hard inquiry. Please investigate this and stop any capital one application.
Product: Credit reporting, credit repair services, or other personal consumer reports

The company did not update the account with the correct balance.
Product: Debt collection

I recently just mailed my copies of my Order Of Protection, Police Reports and other supporting documents to Experian in regards to a dispute regarding named creditor XXXX XXXX and the response I received was that XXXX has not received my documents. Under Arizona State Statutes my family and I are protected against early termination of lease fees due to our DOMESTIC VIOLENCE issues. We have been victimized for the last 4 years by the same person so we have to move more than often. This reporting has caused my family and I to become homeless due to the negative reporting and is deformation!!
Product: Checking or savings account

Ok, fine, all peer to peer transactions are " not fraudulent '' according to Cash App. Forget about the money I was scammed for but if a consumer opens and closes and opens and closes XXXX cashtag debit cards for a total of {$10.00} but doesn't even receive them because the account closed within 24 hours - - the consumer should be refunded for the price of the XXXX cashtag debit cards.
Product: Credit reporting, credit repair services, or other personal consumer reports

611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information ( 1 ) Reinvestigation Required ( A ) In general. Subject to subsection ( f ), and except as provided in subsection ( g ) if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the 611 - 15 U.S.C. 1681i 59 disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. ( B ) Extension of period to reinvestigate. Except as provided in subparagraph ( c ), the 30-day period described in subparagraph ( A ) may be extended for not more than 15 additional days if the consumer reporting agency receives information from the consumer during that 30-day period that is relevant to the reinvestigation. ( C ) Limitations on extension of period to reinvestigate. Subparagraph ( B ) shall not apply to any reinvestigation in which, during the 30-day period described in subparagraph ( A ), the information that is the subject of the reinvestigation is found to be inaccurate or incomplete or the consumer reporting agency determines that the information can not be verified. ( 2 ) Prompt Notice of Dispute to Furnisher of Information ( A ) In general. Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. ( B ) Provision of other information. The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ).

I HAVE DISPUTED THIS ACCOUNT ON MULTIPLE OCCASIONS. THE MOST RECENT BEING XX/XX/2023. XXXX XXXX XXXX ACCOUNT NUMBER XXXX IS NOT MINE. PLEASE SEND A COPY OF MY WET SIGNATURE AND MY ID VERIFYING THAT MY IDENTITY WAS USED WITHOUT MY PERMISSION
Product: Checking or savings account

I recently opened a Capital One 360 XXXX XXXX account to take advantage of the high interest rate and benefits. I had no problem opening the account online ( it took about XXXX minutes ) and have since then transferred {$2500.00} into that account to get things started. The online application provided the option to list my wife as a beneficiary, but did not provide any option to add her as a joint account holder. The site suggested this can be done online by forwarding an email invite to my wife to be added as a joint account holder. 

My wife received the email and clicked on the provided link to continue the application, which asked detailed but necessary questions re SS number, income, employment status, etc. During a call with CapOne we were told that my application was okay but my wife was identified as a security risk and was declined. They declined to provide reasons for the decision or definitions related to the term 'risk '. My wife and I have pristine credit records, so I assume their AI applied some kind of bias against her age, gender, employment status ( retired ) or whatever. 

I feel this is discriminatory and we have the right to know know why she was declined- especially since we both have pristine credit records. The CapOne agent repeatedly declined giving any reason for the denial, except to say that giving a reason would compromise their security protocols ( which leads me to believe the decision was driven by a biased AI algorithm. 

Information related to the the denial should also be released to my wife since it relates to personal info collected by Capital One, and ownership of that data is most likely protected under existing XXXX requirements and other laws related to personal information regulations since Cap One is an international entity.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXXXXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX - Balance : {$520000.00} Account Name : XXXX XXXX XXXX # XXXX XX/XX/XXXX - Balance : {$12000.00} Account Name : XXXX # XXXX XX/XX/XXXX - Balance : {$0.00} Account Name : XXXX # XXXX XX/XX/XXXX - Balance : {$0.00} Account Name : XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX - Balance : {$51000.00} Account Name : XXXX XXXX XXXX # XXXX XX/XX/XXXX - Balance : {$1300.00} Account Name XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX - Balance : {$460.00} Account Name : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - Balance : {$460.00} UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts though your company claims to has verified these. 

Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in Cushman v TransUnion, Stevenson v. TRW ( XXXX ), and Richardson v. Fleet, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

ERC a 3rd party collection requesting payment not owed. ERC stating the oringinal company is XXXX XXXX. I have asked for signature with contract with ERC. This debt is not owed by me. I am requesting for all harassment to stop and if this is reported on credit bureaus needs to be removed.