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

In accordance with the Fair Credit Reporting Act Account ( s ), XXXX  account # XXXX, XXXX XXXX account type other ( collection ), XXXX XXXX account # XXXX, XXXX  account # XXXX, XXXX XXXX  account # XXXX, XXXX XXXX account # XXXX, XXXX account # XXXX, XXXX XXXX XXXX  account # XXXX, XXXX XXXX XXXX  account # XXXX, XXXX account XXXX XXXX, XXXX  XXXX account # XXXX, violates 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 : States a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

I have disputed this account several times even years without getting any Response. When I request debt validation they never respond with the information I request. They are in violation of the FCRA. I have included all the disputes I have made for these, including the certified mail tracking numbers. and despite this they ignore me, how is it possible to treat me this way, the truth is I'm tired of fighting and I feel Vulnerated ... What injustice. That's why I need you to help me. 
This letter serves as a formal complaint regarding the inaccurate and incomplete credit information contained in my credit report. Specifically, I am writing to address the presence of the following queries : QUERIES THAT I DO NOT RECOGNIZE AND THAT ARE IN 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 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 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 My concerns arise from discrepancies between the information reported and my knowledge of my own financial history. I consider these queries to be inaccurate and/or incomplete for the following reasons : As defined in 15 U.S.C. 1693a ( 2 ) with Credit for review or collection.

No Account Recognition : I do not recall opening or transacting with the entity associated with this account.

Possible fraud : Given the lack of recognition and the absence of verifiable information, I suspect this account may be fraudulent. 
Your obligations under the Fair Credit Reporting Act ( FCRA ) :
Product: Debt collection

Synchrony Bank refuses to stop calling me at XXXX every morning unless my relative calls to have my number removed from the bank 's contact information. I do not have an account with them yet they continue to harass me even after I requested they stop calling every morning.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent multiple letters to this credit reporting agency to remove/delete accounts and inquiries in their systems that they did not get my written, oral or verbal consent to report this is information. They are in complete violation of the following subsections of the FCRA ( Fair Credit Reporting Act ) 15 USC 1681. Congress also makes it clear that the banking system is dependent upon my consumer report being fair and accurate to me. Pursuant to 15 USC 1681 ( a ) ( 1 ). Which is not because they are reporting things that is not accurate to me at all. In fact, in 15 USC 1681 ( a ) ( 3 ) they were not given this role. They assumed this vital role and because of their assumption they have negatively affected my life and those around me causing me severe hardship, XXXX XXXX, and XXXX because of you assuming this role. Pursuant to 15 USC 1681 ( a ) ( 4 ) they are unfair in reporting this erroneous information without first consulting with me the actual consumer!!!!

This documentation was sent this credit reporting agency on XX/XX/2022 with a delivery date via certified mail & received on XX/XX/2022. 
certified mail tracking # XXXX
Product: Credit reporting

XXXX I am unaware of any valid contract with this company for which they report that I owe {$660.00} due to the account being seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department. 

I disputed the above accounts directly with XXXX and have been attempting to resolve these issues directly with the above named collection agency since XX/XX/2016. As of the writing of this letter, they have been unable to provide any validate proof of a contract. They failed to mark my reports within the required time frame. I have retained copies of my ongoing correspondence with them and, if necessary, I can provide copies of the above as necessary to get this resolved as soon as possible. I only became aware of this account when I got rejected for credit last spring. This account is well over any statute of limitations in NH and has never been validated, either by the original creditor nor by XXXX. It is due to fall off my report shortly, however, it is holding up current credit needs. 

After several months and multiple unsuccessful attempts with XXXX, on XXXX I disputed this reporting, in writing, directly to Experian, XXXX. XXXX. XXXX investigated and deleted both the original and XXXX accounts. I waited for 3o days and resubmitted online disputes to both XXXX and Experian. Although appropriate validation has never been provided, they have closed their investigation. 

I formally request that this information be immediately deleted from the credit file maintained in my name by both XXXX and Experian so that my credit portfolio supports my current financial goal. If it were even validated, it is a zombie debt and uncollectible. If need be, I am prepared to file suit and have all the documentation to be successful.
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. 



The following hard inquiries are Account name : XXXXXXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX ( Auto ), Account Name : XXXX XXXX XXXX Account Name : 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 reporting or other personal consumer reports

The unverified accounts listed below continue to appear on my credit report despite several written requests, which constitutes a violation of federal law. In my previous letter to the 3 credit bureaus i did not receive a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be validated. Should you fail to authenticate these accounts, I will have no choice but to pursue legal action. I urge you to comply with the law so that this matter can be resolved promptly. 
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
Product: Credit reporting or other personal consumer reports

My property insurance was high but I have been getting even higher quotes when shop around since 2022. Finally I found that there was a false claim for my property address on consumer report published by LexisNexis. It appears that a neighbor of mine filed a claim against my property with his insurance XXXX. XXXX denied the came and yet submitted the {$0.00} claim to LexisNexis. Both allstate and lexisnexis knows that this is a wrong claim and yet published against my property. I have been trying to contact LexisNexis. They rejected my online dispute despite providing all necessary information. I tried calling them multiple times, each time the calls drops after XXXX minutes and today I got a hold of them. They said they would initiate a dispute despite acknowledging that it was a false claim. 

As a part of verification, LexisNexis asked every question about me, they know everything about me and they know the person who filed the claim, they also knew that its not me or my wife. And yet, they don't want to act. This is clear fraudulent activity by LexisNexis and XXXX.
Product: Mortgage

I fell behind on the mortgage payments because there was no more overtime at my time between the years of XX/XX/XXXX and XX/XX/XXXX. Since this I have lost my job as my job was relocated. I am seeking employment. I have tried for numerous modifications from the mortgage company ( Chase JP Morgan ) and they have denied me with no options. I have lived in my home since XX/XX/XXXX. I do not want to loose my home.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to all three major credit bureaus informing them of the errors that they are currently reporting. I am in the process of purchasing a home and was horrified to discover that my information merged with a former roomate. Although at a time we had the same mailing address, I NEVER WAS THE OWNER OF THESE ACCOUNTS. I need them removed immediately. They are causing me distress and impacting the quality of my life. The items that they have been put on notice to remove are as follows :
Product: Credit card or prepaid card

I had the lowes credit card from XXXX XXXX. Somehow I lost it. I was always on time to pay for this. I asked them to send me another one ... .more than a month back ... nothing came from their side.
Product: Checking or savings account

XXXX XXXX XXXX received XXXX in checking account then I withdrew the money at the bank then went to store to purchase two cards one for {$200.00} and the other for {$500.00} took pics of gift cards and receipt called the loan officers that put the money in my account to supposably temporarily boost my credit score to XXXX in order for the {$3000.00} loan to go through for me but needed to make two transactions I did scratched off the grey area then sent pics to them of gift cards to scammers I tried closing this bank account I'm now XXXX in the hole when my check comes in I'll have {$100.00} to live on the whole month after they take more money from me there's more but I can wait please help me
Product: Debt collection

I submitted a dispute through the Credit Bureau 's and on the first contact from this agency they did not inform me of my right to dispute this debt, nor my right to request verification. They instead said " If you are one of those fortunate people to receive a tax refund, we suggest you take this opportunity to resolve your account ( s ).
Product: Checking or savings account

I am writing to formally lodge a complaint regarding the denial of my application to open a Chase Secure Banking account online. Despite meeting the necessary requirements for this type of account, my application was denied due to my presence in the XXXX database. 

I understand that financial institutions often refer to XXXX to evaluate the risk associated with opening new accounts. However, Chase Secure Banking is advertised as an accessible option for those who may have had difficulties with other banking services. This particular account is promoted as an inclusive service, catering to individuals in various financial situations, including those listed in XXXX. 

Given this context, I am perplexed and disheartened by the refusal to open an account for me. The denial appears to contradict the very purpose of the Chase Secure Banking service, which is to provide a viable banking option for individuals with less-than-perfect banking histories. 

I kindly request a thorough review of my application and a clear explanation of why it was denied despite the nature of the account I sought to open. If there are specific criteria or conditions that were not met, I would appreciate detailed information on these points. 

Furthermore, I urge Chase Bank to reconsider my application for the Chase Secure Banking account, given that this account is designed to be a solution for people in situations similar to mine. I believe that, with a better understanding of my financial circumstances and the nature of this account, an amicable resolution can be reached. 

Please acknowledge receipt of this complaint and provide a written response at your earliest convenience. I hope for a swift and favorable resolution to this matter. 

Thank you for your attention to this issue. I look forward to your prompt response. 

Sincerely,
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 privacy and confidentially under 15 USC 1681.

USC 1681 section 602 A -States I have the right to privacy.

USC 1681 Section 604 A Section 2 It also states a consumer reporting agency can not furnish an account without my written instruction.

15 USC 1681 c ( a ) 5 No consumer reporting may make any consumer report containing any of the ff information or any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

XXXX XXXX XXXX - {$1700.00} XXXX XXXX XXXX XXXX  - {$2500.00} XXXX XXXX XXXX XXXX {$4700.00} XXXX XXXX XXXX XXXX {$2100.00} XXXX XXXX XXXX XXXX XXXX  {$3100.00} XXXX XXXX XXXX XXXX XXXX {$750.00} XXXX XXXX XXXX XXXX XXXX {$8400.00} XXXX XXXX XXXX XXXX XXXX {$9300.00} XXXX XXXX XXXX XXXX XXXX {$9100.00} XXXX XXXX XXXX {$6900.00} XXXX XXXX XXXX XXXX {$9400.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$9200.00} XXXX XXXX
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX, Experian, XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a Accounts : XXXX. XXXX, XXXX Account # XXXX date opened XX/XX/XXXX bal. {$260.00}. Inquiries : XXXX XXXX, XXXX, XXXX XXXX Via Dealer, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXXXXXX XXXX XXXX In Members XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Prepaid card

I have tried countless times to use the AMEX gift card to purchase items, on multiple websites as well. Each time it declines, even though there is money on them. I have spent hours talking to AMEX, and each time there is no progress. One of my cards has {$31.00} on it and the other has {$2.00}. I tried purchasing items close to the price on the card and again with various other amounts less than the full face value. Many people have reported having this problem for multiple years. 

the card numbers are XXXX and XXXX
Product: Debt collection

This number calls multiple times in a row. Yesterday I got three calls in 30 minutes, today I got 2 calls within 30 minutes. I have requested they do not call me anymore.
Product: Credit reporting, credit repair services, 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 these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts 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 XXXXXXXX Balance Owed : {$10000.00} This is my follow-up to make sure the validity of the listed accounts is turned positive.
Product: Credit reporting or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these accounts ( A ). It is unacceptable to list these accounts as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX DEPT OF ED/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: Credit reporting or other personal consumer reports

Ive been a victim of identity theft after reviewing my credit report. I noticed accounts that were put in my name without my authorization.
Product: Debt collection

NOTICE OF DISPUTE I attempted to settle this issue with Discover Financial Servicesmultiple times. Discover Financial Serviceshas done nothing but postpone.I request the proper documentation that would prove I have Legal obligation to pay this alleged debt which they fail to provided. Sharing statements as a copy of consumer contact as evidence of alleged debt is not proof, I owe this alleged debt. And as per the judgment in the case of " Pacific Concrete '' F.C.U. vs Kaunanoe '' a copy of the consumer contract is not significant evidence of a debt. Please be aware that this is causing financial difficulties. Failure to reply legally and lawfully will result in additional proceedings. If you do not answer within 7 calendar days, this will be construed as your acceptance that the debt is illegitimate. Please authenticate by verifying and validating by providing me with the documentions proving that I am LEGALLY LIABLE TO PAY THIS ALLEGED DEBT!!! I am now requesting respectfully that they send me a notarize affidavit under the penalty of perjury from a senior executive certifying under the penalty of perjury that i in fact received good and services as a result of this transaction, and A mere assertion that it has " BEEN VERIFIED '' is not an appropriate legal or legal response. Please remove the following item immediately : Account number # ( XXXX ) ( # XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone obtained my social security information along with my date of birth and opened up the following credit cards and financial accounts : - XXXX XXXX XXXX - XXXX XXXX XXXX   - XXXX XXXX XXXX
Product: Mortgage

Im stating Respa. 
So from XXXX my mortgage with property tax is in the amount of around XXXX $ my property tax in my XXXX of XXXX for XXXX is XXXX $ .my house is a newly built home so my XXXX gave me a tax bill for XXXX XXXX and XXXX in the amount of XXXX $ to make up for the XXXX and XX/XX/XXXX tax bill. So my mortgage company did my escrow analysis last yr for XXXX which is wrong cause my tax bill for XXXX and XX/XX/XXXX is in the amount of XXXX $ roughly for both quarters, so what my newrez mortgage company did is copied the last 2 quarters of last year XXXX tax bill which in the amount of XXXX $ on both quarters XXXX and XX/XX/XXXX which is wrong and made my property tax to a total of XXXX $ roughly for year XXXX. I called then numerous times and told them that they can not copy the last 2 quarters of last years property tax bill because it is not accurate since i have a newly built home and it will double my property tax if they did the same amount for XXXX XXXX and XXXX which also will make my escrow short. Now since they did the escrow analysis on the wrong amount it made my mortgage payment went up by XXXX $ plus. I tried to call them and even my XXXX of XXXX tax office wrote to them signed and stamped that my property tax annually os only XXXX $ roughly for this yr they wont listen. I sent them the letter directly from my tax office and still they are asking me for my tax bill XXXX and XX/XX/XXXX which is not generated yet.its really frustrating to pay them and extra amount on mortgage when they did the analysis wrong.