23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

My Idenity was stolen back in 2017 and the person who stole it apply to many different apartments and now the apartment are try to go on my credit report as debts owed which I brought a house in 2017 XXXX dont need an apartment.
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 USC 1681. 

Account Name : XXXX XXXX Account Number:XXXX  Account Name : XXXX XXXX XXXX Account Number:XXXX  Account Name : XXXX XXXX XXXX  Account Number : XXXX  Account Name : XXXX XXXX XXXX Account Number:XXXX  has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX XXXX was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to update immediately : XXXX XXXX Balance : {$1400.00} XXXX/XXXX XXXX Balance : {$410.00} XXXX XXXX XXXX XXXX {$62.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$910.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$90.00}
Product: Credit reporting or other personal consumer reports

Subject : Complaint Against [ XXXX, Equifax, XXXX ] for Violation of FCRA Complaint Details : Summary : I am filing this complaint against XXXX, Equifax, and XXXX for failing to provide a method of verification for disputed items on my credit report and for repeatedly sending stall letters despite verifying my identity. These actions violate the Fair Credit Reporting Act ( FCRA ) and hinder my ability to ensure the accuracy of my credit report.

Detailed Explanation : Failure to Provide Method of Verification : Under FCRA Section 611 ( a ) ( 6 ) ( B ) ( iii ), credit reporting agencies are required to provide the method of verification used when responding to a consumer 's dispute regarding the accuracy of information on their credit report.

Despite my repeated requests for the method of verification, none of the three credit agencies have complied with this requirement, thereby violating the FCRA.

Sending Stall Letters : I have received multiple stall letters from XXXX, Equifax, and XXXX. These letters claim that my dispute can not be processed due to the need for additional information to verify my identity. 
I have provided all necessary identification documents, including my driver 's license, Social Security card, and utility bills, to verify my identity. 
The repeated sending of stall letters instead of addressing my dispute constitutes a delay tactic, which is not permissible under the FCRA Section 611 ( a ) ( 1 ) ( A ) requiring prompt investigation of disputed information.

Violation of FCRA : By failing to provide the method of verification and repeatedly sending stall letters, the credit agencies are in clear violation of the FCRA.

These actions undermine my rights as a consumer to ensure the accuracy and completeness of my credit report.

Request for Resolution : I demand that XXXX, Equifax, and XXXX immediately provide the method of verification for the disputed items on my credit report. 
I request that these agencies cease sending stall letters and instead process my disputes promptly and in compliance with the FCRA. 
If these issues are not resolved promptly, I intend to pursue legal action against these agencies for non-compliance with the FCRA, as permitted under FCRA Section 616, which allows consumers to sue for damages resulting from willful non-compliance. 
Conclusion : I seek the CFPB 's intervention to ensure that XXXX, Equifax, and XXXX comply with the FCRA and rectify the issues outlined in this complaint. It is imperative that my rights as a consumer are upheld and that these credit reporting agencies adhere to the legal standards set forth by the FCRA. 

Thank you for your prompt attention to this matter.
Product: Checking or savings account

Hello, I was arbitrarily charged a {$30.00} fee for a XXXX IRA account I have held open for over a year. I have never been charged a fee. They recently charged me this fee. Then on top of this they charged a {$35.00} overdraft fee which is a fee on top of another fee. Had I known they were going to start charging all of these fees I would have closed it long ago. I spoke with the company but they were not helpful.
Product: Credit card or prepaid card

XXXX charges to XXXX were made to my Chase credit card in late XXXX XXXX ( XXXX ; XXXX ; XXXX ). While reconciling my XXXX statement, I noticed these charges and called Chase on XX/XX/XXXX to report fraudulent charges. During that call, I made it clear that I did not know who XXXX was, nor had I or anyone authorized to use the account had ever done business with XXXX. On XX/XX/XXXX, Chase sent a letter indicating the charges for XXXX and XXXX were fraudulent and were reversed, however the XXXX I had received benefit from and would be charged for. After receiving the letter, I called Chase on XX/XX/XXXX asking for additional details. During that call I made it clear that again, neither I nor anyone authorized to use the account had ever done business with XXXX. I made it clear that I could not provide any details to combat the transaction as I had no knowledge of the details of the transaction - I had no idea what the purchase was for although assumed it was for travel as that was how it was categorized on my credit card statement. I asked for additional details - if it was for travel where from and where to? would providing details on where I was at or access to my passport assist? They indicated they would 1 ) open another fraud case 2 ) asked I upload the pages from my passport 3 ) provided the contact info for the person who had reviewed my claim. On XX/XX/XXXX I received an electronic letter from Chase indicated they had reviewed the fraud charge and still considered it mine. I promptly attempted to call the contact originally provided as well as the contact information on the electronic letter. The call to the original contact was not answered and I was unable to leave a voice mail for that person. I tried the contact provided via the electronic letter who indicated they were XXXX until XXXX XXXX then turned around and called the fraud department again. In that conversation I reiterated the details I had provided before. Chase guaranteed me they would have the contact call me within 24-48 hours to provide additional details on their findings. No one called me. Without their findings I am unable to fight this charge. I did not authorize these charges. I have no knowledge of what was purchased. No one in my family that has been authorized to use this account authorized these purchases nor has any knowledge of what was purchased. I called Chase again on XX/XX/XXXX again stating my position as noted above, calling them out on not following through on their guarantee that I would be contacted and provided with their information. I have given them notice that they have until COB XX/XX/XXXX to provide this information before engaging my legal counsel and requesting all documentation be handed over.
Product: Credit reporting or other personal consumer reports

I told them that XXXX XXXXXXXX account was i identity theft on XX/XX/year> that the account did not belong to me the problem was not solved.
Product: Credit card or prepaid card

Between XX/XX/20 and XX/XX/20 there were 5 fraudulent charges made on my Bank of America credit card. The card was always in my possession and I was not in the city where the transactions took place during these 2 days. I was not able to find evidence of me being in a different location during this time. Here are the fraudulent transactions : {$16.00} at XXXX XXXX on XX/XX/20 XXXX CA {$530.00} at XXXX  on XX/XX/20 XXXX XXXX CA {$20.00} at XXXX XXXX on XX/XX/20 XXXX XXXX CA {$11.00} XXXX XXXX on XX/XX/20 location unknown {$17.00} at XXXX XXXX on XX/XX/20 XXXX XXXX CA - magnetic swipe transaction I was alerted to these charges because the bank itself originally flagged them as fraudulent and froze my card. My money was refunded immediately. 

One month later, the claim was denied and my refund was rescinded. I called BOA to ask why and they told me that my claim was denied because, apparently, a chip was used for the transactions. However, one of the transactions, I was told, was a magnetic swipe transaction. 

I submitted another claim, including the police report. I was denied again. I called the XXXX financial crimes  unit on XX/XX/20 and was told that the police have not yet even assigned an officer to my case, so I don't expect my police report to be followed up on in any reasonable amount of time.
Product: Mortgage

Truist Mortgage took over my mortgage loan in XXXX. They inherited my escrow responsibilities, and I had homeowner insurance serviced through XXXX XXXXXXXX XXXX. On XX/XX/XXXX, my policy was subject to cancellation from lack of payment, a clear error of Truist. My insurance agent did not receive notice of policy cancellation until XX/XX/XXXX. Truist has been taking escrow payments from me and not paying my incumbent homeowners insurance policy. Truist sent me a letter indicating that they will be forced to buy a policy on my behalf at an increased rate : a strong implication of predatory transactions. My personal opinion is that this is fraudulent behavior. I was informed that my homeowners insurance policy did not require manual intervention to renew on an annual basis. Truist accepted responsibility for my escrow account and has not been using those funds to pay my homeowners insurance policy. It is my belief that they had an obligation to do this.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, there has been a colection added to my consumer report which I dont recognize. 
Pursuant to 18 USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC 1681 b 2. Company has also no permission to report ANYTHING using my info pursuant to 15 USC 1681 4 Account : XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX 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 of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 15 U.SC 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 resonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts don't belong to me. Please remove them from all 3 credit reporting agencies. Please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies. 

1. Identity Theft Chapter XXXX Bankruptcy Case Number : XXXX This is not mine. 

2. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

3. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

6. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

7. Identity Theft XXXX XXXX Account XXXX : XXXX This is not mine. 

8. Identity Theft DISCOVERBANK Account Number : XXXX This is not mine. 

9. Identity Theft XXXX Account Number : XXXX This is not mine. 

10. Identity Theft XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

11. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine.
Product: Mortgage

In XXXX XXXX, when my loan was with XXXX XXXX, my husband became ill after suffering from XXXX XXXX so I called XXXX XXXX to inquire about lowering my interest rate. I have a pick a payment loan and the interest kept increasing. They never helped me and I also had a XXXX with XXXX XXXX and I was current on that loan. My husband was a war veteran of XXXX and they never offered to fix the loan or give us a break from the pick a payment loan. On or about XXXX XXXX, XXXX, XXXX XXXX returned my equity line check and then immediately thereafter filed an NOD. I was always current with them and why they just sent back my check is perplexing. Then they set a sale date and I struggled to hire various lawyers to help me but nothing really worked. Then files got transferred to Wells Fargo. They would not accept my husband income at the time when he was alive nor did they accept my daughter 's income who lives with me and contributes XXXX as well as renters. I feel that Wells Fargo is just setting me up to fail and they want to keep my over {$600000.00} in equity. They are violating my homeowner Bill of Rights, they are refusing to take into account all of my income and they are discriminating against me for my age as I am XXXX and it seems like they just want to kick me out. I have lived in this house many years and they are treating me like an animal. These big companies should not be allowed to abuse XXXX citizens. I am able to pay a mortgage but I need the loan fixed to a fixed interest rate. I pray that you help my daughter and I. thank you god bless.
Product: Debt collection

I disputed the debt with the credit reporting agencies and it was taken off my report only to reappear again as a new debt. Which is crazy because I have an email from Resurgent Capital stating that the debt was beyond the statute of limitations. They also stated they wouldnt sue for the debt or report it to the credit bureau, but thats exactly what they did. Because of this action I have had my credit limit lowered on some of my accounts because I am required to maintain a certain credit score with some of the companies. If my score remains lowered some of my credit limited can be closed by the creditor. Im XXXX XXXX XXXX on a very limited budget and they are using this abusive tactic to force me to pay. They know how important my credit is to me as a XXXX  citizen and are trying to strong arm me to pay the debt. Please help me in regards to this matter.
Product: Checking or savings account

All my Credit Cards and Atm Cards do not work with 10 seperate merchants all credidiited the Purchase back to the Card My average monthly card speniding {$150.00} a month then begining XXXX 2023 i made a {$1600.00} purchase at XXXX XXXX then the Same Day XXXX XXXX denied my purchase and my Credit Card said contact Wells Fargo Bank to remove the Hold then Wells Fargo Remove the Hold then 10 seperate purchases all creditid back to the Card My Rent and Utlities are all Auto Pay what if they decline it all My Case Bank Credit Card purchases are all credited Back If 10 years 100 % all merchents aprove my purchase then Wells Fargo Puts a Hold on my credit card and removes the Hold then if 10 years all merchents deny all puchase and credit them Back to the Card is not the banks responsability the Bank will 100 % only say contact 1000 merchents that all deny the card Im XXXX collecting Social Security XXXX and due to my XXXX i cant go outside and if 100 % all merchents deny all my online purchse are 100 % not usable to the XXXX Wells Fargo executive complignt number XXXX Your order was authorizing with your bank successfully, but then being declined by our payment security software. Unfortunately the payment security software is not giving me a definitive reason as to why this is occurring. In this case, we usually suggest customers to use a different card.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am appalled by the ability of the Credit Reporting Agencies to keep ignoring a consumer 's request for the correction of the disputed account on my Credit Report. Under the FCRA section XXXX and XXXX, the Credit Bureaus are required to verify the information and status of the account being reported on my Credit Report. But in my case, Experian has kept reporting the disputed account claiming that the information they present is accurate, in which I greatly disagree. I am submitting this complaint to you today to request that Experian provide me copies of documents bearing my signature to verify the status of the disputed account. If the Credit Bureaus failed to comply with the condition and continuer the reporting of the disputed account, please understand I will seek legal action. I need the account corrected as soon possible : XXXX XXXX XXXX Date XXXX Balance : $ XXXX Late Date XXXX
Product: Credit reporting

I disputed incorrect information on my credit reports with XXXX, XXXX and Equifax in XX/XX/XXXX. The information was incorrect and wrong. XXXX and XXXX did correct the the problem and responded with letters with in 30 days. Equifax after numerous times trying to contact them never responded or corrected the problem. This has made it impossible to obtain a mortgage because it has ruined my credit score. The only remedy I have now is to sue Equifax for compensation.
Product: Credit card or prepaid card

On XXXX XXXX, 2016 an XXXX credit card from Chase was opened in my name.

I was able to close the account but Chase can not or will not provide details about the details of the application. I am concerned that I am being slammed by either Chase or XXXX opening account like the XXXX XXXX issue.
Product: Credit reporting or other personal consumer reports

I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX Balance : {$3200.00} XXXX XXXXXXXX XXXX Balance : {$750.00} XXXX XXXX XXXX Balance : {$880.00} XXXX XXXX XXXXXXXX Balance XXXX {$1200.00}
Product: Debt collection

The first email I received explained that if I logged in to the portal, it would activate a new account and this very old acct would become new on my credit... So I never clicked on an attachment or respond. Everyday since, I get one to two emails... This company never misses a day. I've blocked and reported it as spam but they do not stop. Then I would just simply delete the emails but now I just leave them. I have over a hundred emails as proof.
Product: Debt collection

OMEGA company has give me a bad credit for two years. one payment was missed and with out telling me they ask for XXXX. for compensation for the loss. i found out this on a credit report.now in collection and/or write off. I would like this to stop
Product: Mortgage

I am not happy with Green Tree. We have a loan and have paid it perfect. For the last ten years we paid them through our bill pay at our bank. Now, for the payoff and last payment they will not take that method of payment. Their response is " You HAVE to send a wire transfer or check by mail. '' I 'm XXXX and it 's difficult for me to go to the bank. They say it 's because the payment needs to be transferred through a different location. I tell them that 's their problem as it 's internal. I want to make my payment in good faith. They refuse my payment and give me no help at all. I use my bill pay or my debit to pay them usually.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, this creditor has violated my rights. Under 15USC1681 Section 602 it states I have the right to privacy. 15USC1681 Section 604A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions. Under 15USC1666B, a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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. 
ACCOUNTS : 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 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, credit repair services, or other personal consumer reports

I call XXXX and told them that I had sent letters out in the last 60 days I havent heard them and they told me to come here to dispute my issue here and that happen its will be removed in 24-72 hours
Product: Credit reporting or other personal consumer reports

As a consumer ( defined under 15 USC 1681a ( c ) ), alleged Derogatory late payment deficient of REQUIRED PROOF OF ADEQUATE FEDERAL REPORTING COMPLIANCE, such as Metro 2 and the FCRA standards of reporting. The following accounts have billing error Under 15 USC 1666B and must be resolved immediately. 

Account Name : XXXX XXXX XXXX XXXX - Opened on XX/XX/scrub>XXXX XXXX XXXX XXXX
Product: Debt collection

I was denied employment because of a judgment against me. 
I was/ am completely unaware of any hearing, never received any notice of collection of a debt by Midland LLC . 
Midland LLC apparently took me to court somewhere without serving me any documents, and won a courts judgement. 
I was never notified of any hearing, complaint, or received notice of collection of a debt by Midland LLC.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX {$1000.00} date XX/XX/XXXX this is a formal complaint that you are reporting inaccurate and incomplete credit information according to the Fair Credit Reporting Act.609 ( A ) you are required by federal law to verify trough physical verification of the original signed contract any and all accounts you post on a credit report otherwise anyone paying for your debt is probably fraudulent i demand to see verified proof if you fail to validate remove from my account immediately
Product: Credit reporting or other personal consumer reports

The repeated errors on my report are not only frustrating but completely unacceptable. My score is being unfairly damaged, and I am being deprived of opportunities I rightfully deserve. It should not be this difficult to ensure accuracy on something as important as a credit report.