23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair credit reporting act XXXX XXXX XXXX XXXX. has violated my rights. Under 15 USC 1681 Section 602 states I have rights to privacy.

15 USC 1681 section 604a section 2, it also states a consumer reporting agency can not furnish an account without my written instructions.

Under 15 USC 1666b, a creditor may not treat a payment on a credit card account under an open consumer credit file as late for any purpose. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  and XXXX XXXX XXXXXXXX XXXX 

I have certified mailed letters to these XXXX Sovereign Offices Below. For XXXX. 
The XXXX XXXXXXXX XXXX XXXX 
XXXXXXXX XXXX XXXX XXXX XXXX 
Attorney General in California.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, I am writing to delete the following information in my file. The items I need deleted are listed in the report.

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.

I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Product: Credit card

On XX/XX/XXXX, I received a fraud alert text from Bank of America, asking if I placed a {$22.00} charge at XXXX. I replied " No '' and they replied that they have restricted the card. I then called and asked they cancel the card and send a new one. While on the phone, I learned that not only did the {$22.00} charge post, but a second one for {$82.00} went through, both after I confirmed they were fraudulent charges. 

Even after confirming they were not mine and cancelling my card/ requesting a new one, the charges stayed on my card and the statement closed. Bank of America no shows that I have a balance and minimum payment due. When I called a second and third time ( XX/XX/XXXX ), the agents told me that they can not reverse the charges and I have to pay the minimum payment.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681 HUNTER WARFIELD INC, XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX15 U.S.C 1681 section 602 A state I have the right to privacy. 15 U.S.C 1681 section 604 section 2 it also states a consumer reporting angency can not furnish a account without my writing instructions 15 U.S.C 1681 ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer reports containing any of following items of information any other adverse items of information, other than records of convictions of crime which antedate the report by more than seven years. 15 U.S.C 1681 -2 ( A ) ( 1 ) a person shall not finish any information relating to a consumer reporting agency if the person knows or has reasonable
Product: Checking or savings account

Need help. I bought a cashiers check for {$5000.00} for myself on XX/XX/year>. The bank was Chase Bank and was issued in XXXX, Arizona. 
The date on the check stipulated that it would be void after seven years. I went to the bank to deposit that cashiers check today, and the bank teller told me that I couldnt deposit the check because it was void. The teller at my bank in XXXX, XXXX told me that this cashier check was only good for three years ( IN ARIZONA ). She told me to go to XXXX to look for my unclaimed property. After many attempts, I did not find my name or address on that site. What should I do? I need that money desperately.
Product: Mortgage

This complaint is for an incorrect duplicate payment of my real property taxes from escrow, which my mortgage servicer, Chase, has failed to promptly correct. My Chase loan number is XXXX, and my real property taxes are paid to XXXX County, Ohio. My XXXX County, Ohio, parcel number is XXXX. 

XXXX XXXX XXXX XXXX originated my conventional first mortgage in XX/XX/XXXX. XXXX XXXX  serviced my mortgage on behalf of XXXX XXXX through XXXX, XXXX. On or about XX/XX/XXXX, XXXX paid my real property taxes of {$2500.00}. This payment was for the second half of XXXX, due XX/XX/XXXX. 

XXXX XXXX XXXX XXXX sold the servicing of my mortgage to Chase, effective on or about XX/XX/XXXX. On or about XX/XX/XXXX, Chase made a duplicate tax payment to XXXX County, Ohio, for the same amount of {$2500.00} that XXXX had already paid in XX/XX/XXXX. This duplicate payment caused my Chase escrow balance to go negative. I found out about this duplicate payment when I received Chase 's mailed mortgage statement dated XX/XX/XXXX. I reported the error to Chase by phone on XX/XX/XXXX. 

When I called Chase, I was transferred to the tax service unit. It seems like Chase failed to load my escrow account history from my former servicer into its own system, because they had no record of the tax payment XXXX made XX/XX/XXXX. Instead, Chase said it was my job to prove to them that their payment was a duplicate. 

I have tried to fax a printout from my former servicer 's website to Chase, but the fax number Chase gave me does not work with the fax machine in my office. Chase would not give me any email address to send a PDF image of my former servicer 's printout. At this point I am forced to mail a copy of the printout to Chase, at my own expense. 

I am concerned that even if Chase does eventually realize they made an incorrect duplicate payment, and recover it from XXXX County, they will show an escrow shortage on my account and therefore raise my monthly escrow payment amount.
Product: Credit reporting or other personal consumer reports

Dear ONEMAIN, I am writing to address a blatant violation regarding the unauthorized reporting of information to my credit report, as confirmed by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), and the Missouri Credit Reporting Act. 

It has unequivocally come to my attention that ONEMAIN has already engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that the consent of the consumer is a non-negotiable requirement for such reporting activities under Section 1681b ( a ) ( 2 ). 

In addition to federal law, Missouri state law provides specific protections for consumers regarding credit reporting. These laws emphasize the necessity of consumer consent for credit reporting and establish clear guidelines for the fair reporting of consumer credit information. 

I assert with unwavering certainty that I have not provided consent for ONEMAIN to report any information to my credit report. This undeniable lack of explicit permission constitutes a blatant violation of my rights, resulting in potential damage to my creditworthiness and an unequivocal disregard for federal and state laws. 

I demand, with the utmost certainty, that ONEMAIN immediately ceases any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and the Missouri Credit Reporting Act. Failure to comply within the stipulated 30-day timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws, including identity fraud laws. 

I emphasize that obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA and Missouri state law. This is not a negotiation ; it is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting. 

I anticipate your immediate attention to this matter and expect that ONEMAIN will promptly rectify these egregious violations, respecting my rights under federal and state laws. 

Done in good faith.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was the victim of identity theft which resulted in some accounts being opened in my name by fraud. I have filed a report with the Federal Trade Commission, and I also reported the issue to the companies where the accounts were opened. I am seeking your assistance with the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove the following accounts which were opened by fraud within 4 business days, per FCRA Section 605B
Product: Checking or savings account

On XX/XX/XXXX my wallet was stolen and debit card had 2 unauthorized purchases on it. 1 for {$490.00} from XXXX and other for {$4.00} from XXXX. I immediately reported it the next day. Thats when the interrogation of me and my business started. They issued provisional credits for them on XX/XX/XXXX and as soon as they did froze my account and is still holding them hostage. I am attaching ALL correspondence between the company and I.
Product: Credit card or prepaid card

I am refinancing my home with Chase/JP Morgan Bank. I am working with agent XXXX XXXX & his supervisor XXXX XXXX XXXX. On XX/XX/21 I transferred money from my savings account to my checking account to cover a {$500.00} fee for this service. BUT instead of XXXX XXXX taking the money from my checking account, he placed an unauthorized charge on my Chase XXXX credit card. I did NOT/NEVER authorized this charge! I Called Chase customer support & the customer support person will NOT allow me to dispute the charge because she ( XXXX ) claims charge is for " services rendered '' I did explain to her that I never gave authorization for my card to be used for this payment & therefore I should be able to dispute charge. She suggested I call the checking department, which I did & I spoke to that representative, XXXX, & he stated he sees where I transferred money of {$500.00} on XX/XX/21 from my saving to my checking BUT XXXX XXXX did NOT withdraw the {$500.00} for the refinancing fee. As stated Mr. XXXX charged my Chase XXXX credit card!!! Which is an unauthorized transaction & NOW Chase will NOT allow me to dispute this charge. I have sent an email to both Mr. XXXX & his supervisor Mr. XXXX explaining I want them to rectify this issue & that I will report this matter to your agency & I may see if I can file a police report for unauthorized use of my credit card.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to all of the three credit bureaus and they all said this account was accurate, but upon my investigation and research there are lot of inconsistencies and incorrect information. In accordance with the Credit Reporting act XXXX XXXX  Account # 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 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. 
I am disputing the following information directly with you, the furnisher of information, and I am requesting that you conduct an investigation as outlined in the FCRA Section 623 : If youre unable to perform a reasonable investigation, or youre unable to locate the necessary documents to investigate my dispute ( s ) ; then you are required by the FCRA to remove the negative information from my credit reports, which can also include complete removal of the account. 
If you were able to conduct a proper investigation of the records for this account, and have identified the information that was being incorrectly reported, please update that information on my credit reports to reflect the accurate information found during your investigation. 
I am also requesting that you send me an explanation of the investigative methods you used to verify my account so I can conduct my own investigation into the accuracy of your records and verify that a reasonable investigation was completed
Product: Credit reporting, credit repair services, or other personal consumer reports

IN ACCORDANCE WITH THE FAIR REPORTING ACT CAPITAL ONE ACCOUNTS # XXXX AND # XXXX, HAS VIOLATED MY RIGHTS. 

15 USC 1681 SECTION 602 STATES I HAVE THE RIGHT TO PRIVACY.

15 USC 1681 SECTION 604 A SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

15 USC 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 or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15

U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : XXXX # XXXX {$1000.00}, XXXX XXXX XXXX {$14000.00}. 

As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and Transunion has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, so I require you to send me all the documentation to prove that this information is accurate. I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting or other personal consumer reports

SYNCB/PPC is reporting an account I never authorized, which I previously disputed with the credit bureaus. This account is tied to identity theft from the XXXX data breach, which I reported to the FTC and XXXX ( reports attached ). Under 15 U.S.C. 1692g, I requested validation, but they failed to provide proof of a signed agreement, a full payment history, or legal authority to collect. 15 U.S.C. 1681s-2 prohibits reporting unverifiable info, yet this remains on my report. Theyve had more than enough time to fix this but havent. This needs to be removed immediately.
Product: Debt collection

I had an auto repossession on XXXX from Exeter Finance Corp due to my illness with XXXX XXXX. Exeter sold the account to XXXX XXXX XXXX. When I had my credit report pulled XXXX XXXX is reporting the date placed for collection as XXXX/XXXX/XXXX, which is not the original date the account was placed for collection. I disputed the date with XXXX, and XXXX did not update the " date placed for collection '' which was in XXXX. I need this updated as soon as possible.
Product: Credit reporting or other personal consumer reports

To whom it may concern : I sent a request for investigation under FCRA 611 ( a ) to XXXX, XXXX, TransUnion. The letter was sent in reference to the following accounts : XXXX. XXXX XXXX XXXX -Account Number : XXXX XXXX. XXXX XXXX XXXX XXXX  : Account Number : XXXX XXXX. XXXX XXXX XXXX : Account Number : XXXX XXXX. XXXX XXXX - No Account Number Noted XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX No account Number Noted. I am curious as to how you verified this information and would like to receive physical documentation to support this erroneous information on my report.FCRA states information reporting has to be 100 % verifiable and 100 % accurate otherwise the information must be removed under federal law. XXXX, XXXX, TRANSUNION has been reporting unverifiable and inaccurate information on my credit report which has damaged my credit. I am litigating this information due to it not being DELETED from my credit report. I have asked to not update or verify this information without doing a due diligence investigation. I have requested to be provided with a written contract with my WET SIGNATURE and physical documentation to support the information that is being reported and they have failed to do so. I have also requested not to receive a template letter in response to my previous requests due to me planning my legal case and that i needed SPECIFIC answers to the specific questions I have asked and i have not been supplied with that information. I have supplied my identity theft report, drivers license, utility bill to the bureaus regarding these accounts that are not mine.XXXX, TRANSUNION, XXXX have not supplied me with valid proof and they are still reporting fraudulent accounts after I have sent the proper information in if these accounts arent deleted IMMEDIATELY I will be moving forward with litigation.May i remind you that XXXX has been fined for improper investigations of credit reporting.By putting previously deleted errors back on credit reports and failing to block identity theft related information. may I also remind you XXXX is currently being sued due to sham investigations and inaccurate information being reported and they are in violation of the FCRA, 15 U.S.C 1681i ( a ) ( 2 ) ( A ), 15 U.S.C 1681i ( a ) ( 5 ) ( A ), 15 U.S.C 1681i ( a ) ( 5 ) ( B ), ( C ). I would also like to remind you of Dixon-Rollins v. Experian Information Solutions Inc ( 2010 ) and Miller v. Equifax Information Services LLC ( 2013 ).
Product: Payday loan, title loan, or personal loan

I had a hard inquiry done on my credit for a Government Small Business Loan of which I never applied for US SM BUS ADMIN ODA made a Business Loan Inquiry by checking your Experian Credit File. When you apply for credit, a " hard inquiry '' may be placed on your Credit File and it stays on your report for 25 months.

Source : Experian Company : US SM BUS ADMIN ODA Address : XXXX XXXX XXXX, XXXX XXXX, TX XXXX Phone : ( XXXX ) XXXX
Product: Debt collection

I am in the us military and they keep calling me at work and will not identify the company they call for and I have asked multiple times to stop calling me Im in the military they tell me no and talk over me to not have to say they heard me
Product: Credit reporting, credit repair services, or other personal consumer reports

Have mailed out several letters stating to the Credit Reporting Agencies of Tragic Event of Fraud And Identity Theft Being A Very Serious Cause Towards My Account Was Ignored Or Falsely And Unlawfully lied to about Accounts being reported is My Contract obligations of me owing debt with no written instructions or WET INK SIGNATURE stating approval for access to accounts and proper verification before opening accounts. The Credit Reporting Agency Which This Complaint is Addressed to continues to violate my privacy right and ALSO it continues to REPORT FRAUDUALENT ACCOUNTS WITH NO PROPER VERIFICATION, VALIDATION, OR CONSENT. AFTER BEING INFORMED multiple times through mail that accounts are fraudulent the CREDIT REPORTING AGENCY continues to report fraudulent claims and debts which consists of the CREDIT REPORTING AGENGY ASSISTING AND PREMITTING/ OR INVOLVED IN DOING IDETITY THEFT OR FRAUD ON CREDIT REPORT AND PUBLIC RECORDS.
Product: Debt collection

I received an alert in XX/XX/XXXX about a fraud acct with Capital One. I contacted the company and disputed the acct. It was not resolved. I had my monitoring service send in a complete fraud packet with POA. They called several times to get this resolved and they refused to speak with anyone but the account hold. We conferenced the company today, XX/XX/21 after four previous conversations. Capital One was able to verify the package had been received, stated the acct showed closed, but refused to clarify when it was closed or if it was closed as fraud. They put us on hold for more than 25 minutes to " investigate '' and never came back. I'm concerned they are trying to sell my fraudulent account, due to their stall tactics, before resolving it as fraud. I want the account closed as fraud and a letter sent to me. 


ACCT ALERT XXXX Available Date XXXX Processed Date XXXX Freeze false Account Activity New Account Alert Type New Account Account Balance XXXX Account Number XXXX Payment Status Current Creditor Name CAPITAL ONE BANK USA NA Creditor Preferred Contact Other Address XXXX XXXX XXXX XXXX City XXXX XXXX XXXX State UT Zip XXXX Industry Type Bank Credit Cards
Product: Credit reporting or other personal consumer reports

The credit bureaus have been violated my rights. I didnt give them consent or written permission to report in accordance to 5 USC 1681b. 15 U.S.C 1681 section 602 A. States I have the rights 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 They are thereby reporting fradulent erroenous information. A willful violation under 15 USC 1681C-1 and and per15 USC 1681c-2 these need to be removed in 4 days.These are causing defamation of my character and my public appearance. I will have bo choice but to seek litigation in small claims court if this isnt fixed. This is causing my livelihood to be affected see attachments
Product: Debt collection

I was told that there was a credit card that I owe {$2800.00} for on my XXXX credit report that is not mine. And theres an account number of XXXX I called Midland funding who has it in collection trying to collect for me and I told him it was fraudulent and they were asking me for a affidavit fraud affidavit to send them.
Product: Vehicle loan or lease

Good Morning Here are just some of the documents and " real time '' correspondence that I was sending to Santander over the course of the term of the Car loan. As I advised the initial woman I spoke with earlier, I made what I thought was my final payment on XXXX XXXX of {$500.00} ; only to be told that I now owed an additional {$8000.00} and then they stated I was past due for that amount ( they placed a 30 day late on my Credit Report on XX/XX/XXXX ) and a 60 day late notice even though they were " refinancing '' the vehicle with a date of XX/XX/XXXX. 

Some Highlighted Notes : * My care was physically damaged on the Second Unlawful Repossession ( XX/XX/XXXX ), and I filed a claim with the lending company, Santander. They have never addressed the claim. I repeatedly sent the requested information, and was repeatedly told they were working on it. I also was asked to send a demand letter, which I did. They are now stating that the damages happened " too long ago '' although I immediately reported it. I have kept all written records as well as recorded calls. Please see attached sample for PROOF. 

* I was able to attach a recorded call from XX/XX/XXXX to validate a real-time conversation surrounding the separate repossession, double billing, and damage to the vehicle