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

Months ago, I have sent a letter to the three credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. I hope the following disputed items in my file will be updated immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Vehicle loan or lease

I received a marketing email from Chrysler Capital at XXXX on XX/XX/2022. The preview of the email in my inbox on my phone read " XXXX, your preapproval is here! Please log in to view the status of your recent online financing application ''. 

I was immediately worried that my identity had been compromised and that someone had wrongfully submitted an application for credit with Chrysler. I immediately called the number of Chrysler Capital 's website to inquire if an application had been submitted. After spending approximately 20 minutes on hold I spoke with a representative that told me there was not an application of had been received in my name and that the email was simply marketing that in the event that I was looking for financing, I had been preapproved. 

My understanding of XXXX as I am a consumer lender for a financial institution is that deceptive marketing is determined if the following criteria are met : The statement is prominent- I have included a screenshot of the preview of the email in my inbox. It very prominently encourages me to log in to check on the status of my online application. 

The information presented is easy to understand- I believe based on the statement above, a reasonable thinking person would be lead to believe that an application had been submitted in the name of the email recipient. I believe this statement was very easy to understand. 

Is the placement of the information in a place where a consumer would be expected to look?- Yes!!!! Absolutely. Its the first thing I saw when I saw the email preview. 

Is the information in close proximity to the claim it qualifies? - My understanding of this point is rather vague, but if I understand correctly it is a material difference on if an application had been submitted, or not. My strong belief is that a reasonable thinking consumer would infer that an application had been submitted by their statement and this directly contradicts the admission by the representative via the phone call that it was a marketing effort if I needed future financing. 

In conclusion, I believe this has met the criteria of a deceptive marketing practice by Chrysler Capital. There are also aspects of the act that in my opinion also meet criteria of an abusive practice as well.
Product: Debt collection

Ive attempted multiple times to dispute medical held collections held by the thomas agency and they have removed some from just one credit report but refuse to remove those same collections from the other reports as well in violation of the fair credit report act. As well as they have provided zero proof of debt for these debts and have refused to provide proof beyond stating i owe these debts to them. The lack of proper management and procedures to report debts and handle them has negatively impacted my ability to get loans credit cards and home loans. As well as forced me to take higher interest rates
Product: Debt collection

This company XXXX inform me they sold a account under my name to another company. 

Its mean they sold all my private and or federal personal information like Names and last name, adresses, SSN #, birthday and or phone numers... 

Company like this sold all information of client to other companies...
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I sent faxes to XXXX ( Fax Number XXXX ) and Transunion ( Fax Number XXXX ) to dispute the inaccuracy, compliance, and reporting of a public record that they maintain under my social security number. I requested in the letters that they please validate this information with the court and provide me with copies of any documentation associated with this account, bearing my signature. 

The following bankruptcy entries are inaccurate and unverifiable : Account # XXXX Reported XX/XX/XXXX Account # XXXX Reported XX/XX/XXXX Both Transunion and XXXX  responded back stating the bankruptcy is accurately reporting based on third party data provider XXXX. Per the FCRA 623 ( a ) ( 5 ) " If the Credit Bureau can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer file. Transunion and XXXX  have yet to provide me with copies of all documentation associated with this Public Record Account bearing either a court order to place this  information in my credit report, or my authorization of release bearing my signature. When I contacted XXXX XXXX they stated that they got the information from United States Bankruptcy Court. 

This information is false. I received a letter from the United States Bankruptcy Court Georgia XXXX District stating : " They do NOT report or transmit bankruptcy court records or any other information to the credit reporting agencies. '' The Credit Reporting Agencies have failed to properly provide any viable evidence bearing my name, signature or showing the account is being reported accurately which is what I initially requested. Per the FCRA 623 ( a ) ( 5 ) " If the Credit Bureau can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer file. 

After receiving the letter from the United States Bankruptcy Court Georgia  XXXX and XXXX response to my inquiry, I attempted to contact Transunion and XXXX  again. I sent Transunion a detailed letter outlining the situation, actions I had taken to remedy the situation ( filing a police report, Identity Theft report, etc ), and requesting that they reinvestigate the accounts. The certified letter and supporting documentation were signed for and delivered by USPS # XXXX on XX/XX/XXXX by Transunion. The certified letter and supporting documentation were signed for and delivered by USPS # XXXX on XX/XX/XXXX by XXXX. 

Again, I received the same responses from the Credit Reporting Agencies as explained above. The exact same response. I am not sure what else I am supposed to do at this point. XXXX  knows there is an identity theft issue with my credit file since I am unable to verify my own identity through their checks and balances, which prevents me for getting healthcare coverage, insurance, and requires that I send a ridiculous amount of paperwork in the mail just to get a copy of my own credit report. This situation has been absolutely maddening. I hope desperately that you can help.
Product: Credit card

This is in response to previous CFPB complaint XXXX and the previous CFPB complaint to this XXXX. 


I referred XXXX XXXX to the Chase XXXX XXXX credit card on XX/XX/year>2024. I helped him walk through the application and he was approved for a credit card immediately. I used the referral link from my credit card that ends in XXXX. His zip code is XXXX. The email he used was XXXX I have now filed multiple CFPB complaints as it has been over 8 weeks and I have not received the XXXX points as promised. 

Per CFPB complaint XXXX, Chase stated that XXXX points was transferred from a closed Chase XXXX credit card in my name on XX/XX/year> from card ending in XXXX to card ending in XXXX. 

First of all, I made that transfer myself. Second of all, I did not refer XXXX XXXX from that card. Second of all, I am attaching proof that since XX/XX/scrub> 2024, I did not generate those XXXX points. The XXXX points that were on card ending in XXXX were from a referral much earlier this calendar year. I only transferred it MYSELF on XX/XX/scrub> 2024. Chase did not transfer me, and this certainly was not tied to the referral of XXXX XXXX. 


I am also attaching a letter sent from Chase to me on XX/XX/XXXX stating that if I do not make any activity on card ending in XXXX, then account will be closed in 50 days, which would be about XX/XX/scrub> 2024. I referred XXXX XXXX using card ending in XXXX on XX/XX/XXXX. How would it even be possible to refer him using card ending in XXXX if the account was already closed??? 

I have gone through multiple rounds of complaints with CFPB trying to get the referral points for this referral. First, I was told that I needed to wait 8 weeks before any review can be conducted. Now, Chase is stating that the referral credit was already made in card ending in XXXX, when those points were originally from much earlier this calendar year and I made the transfer of those points to card ending in XXXX. 

I am requesting, for the 4th time now, that I receive the XXXX points for the referral of XXXX XXXX on XX/XX/scrub> 2024. I am also requesting additional points for compensation because a consumer should not have to make the same case and argument back to CFPB so many times over what should be a minor issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer 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

Hello my name is XXXX XXXX XXXX XXXX, 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 reporting or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following accounts. 


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 information was included in a data breach in XXXX  by XXXX. Where my social security number and ID was compromised. There have been several account appearing on my credit that I did not open nor have I ever had a relationship with these entities. I would like these items removed from my credit report as they are becoming a hinderance. The accounts are as followed : XXXX XXXX {$250.00}, XXXX XXXX {$680.00}, XXXX XXXX {$950.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

EXPERIAN IS CREATING FINANCIAL INJURY. THEY ARE REPORTING A FALSE AND INACCURATE SCORE OF A ( XXXX ) TO MY ACCOUNT. I AM HAVING ISSUES GETTING HOUSING BECAUSE OF THIS. I ALSO AM HAVING ISSUES RECEVING A CREDIT CARD. I'M BEING DISCRIMINATED AND VIOLATED TERRIBLY. WILL TAKE TO COURT IF ALL HARD INQURIES ARE NOT REMOVED AND I RECEIVE A SCORE OF XXXX AND BETTER. 

SUCCUSSFULLY COMPLETED IDENTITY THEFT REPORT
Product: Credit reporting or other personal consumer reports

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
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

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX. Balance : - ; XXXX XXXX XXXX .... Balance : - ; XXXX XXXX XXXX .... Balance : - ; XXXX XXXX XXXXXXXX .... XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX .... Balance : {$6400.00} ; XXXX XXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$2900.00} ; XXXX XXXXXXXX .... Balance : {$4400.00} ; XXXX 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
Product: Credit reporting or other personal consumer reports

Fraudulent charges were made to the following accounts. The statue allows for multiple reinvestigation. 

XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Since I have disputed all of and any payments, agreements, wet ink signature, balances and debts of false info no response of lawful investigation.
Also There is recorded conversation call that supports the no lawful proof of verification claim by the Equifax rep.
Account #  XXXX ,   XXXX   XXXX    XXXX  Dates provided upon request my phone number and Email listed.
Product: Credit reporting, credit repair services, or other personal consumer reports

IN ACCORDANCE TO THE FAIR CREDIT REPORTING ACT, XXXX # XXXX. HAS VIOLATED SEVERAL OF MY RIGHTS AND NUMEROUS ( FCRA ) LAWS.

1. ) 15 U.S.C. 1681 SECTION 6028 ( STATES RIGHTS TO PRIVACY. ) 2. ) 15 U.S..C.1681 SECTION II 6048 ( STATES CAN NOT FURNISH ACCOUNT OR INFORMATION WITHOUT MY CONSENT AND OR PERMISSION. ) 3. ) MY STATE OF MICHIGAN, CREDIT REPORTING RIGHTS : STATUE OF LIMITATION OF 4 YEARS HAS BEEN PASSED AND THE DEBT HAS BEEN PAID AS AGREED.
Product: Mortgage

Lender " Ocwen '' took over my loan ( from XXXX ) in 2006. Ocwen never recorded the assignment with the County of XXXX. I discovered this while working with my City 's engineering department on a substantial remodel to my aging home. Permits are pulled, crews are at the ready. We are also required by XXXX, to have the Lender If Record sign off on a required easement for a planned future sidewalk. We received a brief extension of time to accomplish these items. After speaking with XXXX outsourcing, then XXXX, I finally reached the XXXX manager, XXXX, who promised a 48 hour resolution. That was 4 days ago. I have left her 10 messages asking for a call back. Even with her direct number, that department does not accept incoming calls. I 'm facing renewal of the permits, almost {$10000.00}. if this is not resolved soon and I am unsure how to proceed. Please help me get Ocwen to record as the lender of record ( which they should have done in 2006, and sign off on the XXXX easement for the sidewalk. Thank you for any assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is obligated by the FCRA to report accurate accounting. consumer has advised ALL the inquires and most accounts reported was fraud. said company had 4 days according to LAW to remove such items. FTC fraud report was filed on behalf of consumer, consumer is now requesting Experian to provide the documentation used to determine inquiry was indeed authorized by the consumer, Experian has 15 days to provide me with the name of the person spoken to, documentation used, signed application with consumer wet ink signature. consumer is Not asking for an e-oscar report. if Experian does not have documentation to show these were in fact authorized it must be removed asap. SAID company is liable under the SEC to follow certain rules. I am aware of XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New York XXXX as the depositary for Experian. I will be filing form 211 treasury omb forms to audit consumers account. 
EXPERIAN is securitizing consumers data yet refuse to provide consumer a copy of their CONSUMER FILE NOT CONSUMER REPORT.
Product: Debt collection

-Contacted Ability Recovery on XX/XX/XXXX -Disputed with XXXX   XX/XX/XXXX -Document from insurance company showed I owed {$0.00} to provider, submitted with dispute and to collection agency. 
-Service date XX/XX/XXXX -Amount XXXX
Product: Credit reporting or other personal consumer reports

I reviewed my consumer reports and noticed that i had two late payments on an account that i was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that i have included screenshot inside this complaint in on dates of please investigate and provide proof with statements showing that these payments were late. If proof can't be provided i demand these payments be updated to paid as agreed on time as they should be due to the fact i was never late. Thank!
Product: Credit reporting or other personal consumer reports

I believe FCRA 605B mandates the removal of any erroneous accounts from my credit report. Can you review the documents? Some of the listed accounts are inaccurate in terms of reporting, with incorrect amounts and dates.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX and I am submitting this complaint about recent disputes sent to Equifax about erroneous information on my credit report. Regardless of the multiple written requests, the unverified accounts listed below are still reported on my credit report inviolation of federal law. Please remove or update the account completely from my credit reports : XXXX XXXX XXXX XXXX Balance : {$1600.00}
Product: Mortgage

Today is XX/XX/2018. This morning an ad scrolled across my smartphone screen from Quicken/Rocket Mortgage that said " Get Approved in 8 Minutes ''. This appears to violate at least Advertising/Reg N. This is false and misleading advertising. It may be possible to get " Pre-Qualified '' in 8 minutes, or even " Pre-Approved '' in 8 minutes, but it is virtually impossible to get " Approved '' in 8 minutes. To get " Approved '' means your loan application and all accompanying documents must be reviewed and underwritten by an underwriter, something which can not be done in " 8 minutes '', so in reality it is several days or even weeks for a final " Approval '' to be issued. It is impossible to get " Approved '' in 8 minutes.

Why is Quicken/Rocket Mortgage allowed to mislead the consumer with false promises like this?
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, my email address and phone number were changed without my consent, yet this action did not trigger any OTP or email notifications, leaving me completely unaware of the changes. 

On XX/XX/XXXX, my salary was credited to my PayPal account. On XX/XX/XXXX, at XXXX XXXX, an individual named XXXX XXXX transferred {$0.00} to my account, and by XXXX XXXX all of my funds were gone. I immediately reported this incident, but my cases have been repeatedly closed without resolution and PayPal is refusing to help. 

The transaction involving XXXX XXXX is inconsistent with my typical PayPal activity, as I have only used PayPal for transactions related to my employe since 2021. A review of my account would clearly indicate this pattern. 

On XX/XX/XXXX, I contacted PayPal through a phone call and they have confirmed that there are unauthorized changes on my account info and they have immediately opened a case and yet I received an email on the XXXX of XXXX saying that they don't see any unathorized activity on my account which is inconsistent to their inital findings. 

I am asking for them to review the IP addresses associated with the transactions in question, as they will confirm that the activity was unauthorized yet they refused to help and they have even permanently limit my PayPal account but they have allowed the hacker to file a dispute case against me. 

I look forward to your prompt attention to this matter.
Product: Debt collection

After checking my Credit report i reached out to RentDebt and ask for an invoice to verify debt and balances owed I was provided the information over the phone I stated the charges were inaccurate the rep told me the invoice will be emailed to me in 24 hours. I did not received the email so I called back I then told in order to receive the documents by email I will have to verbally say on a recorded line I am not disputing the collection, which I refused to do! I feel this is unfair Practice.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022 - Received an email from Avant Credit stating that an application for credit could not be completed due to a credit freeze. This was a fraudulent application submitted in my name. I called Avant and reported the application as fraudulent, requested to see the application and requested that they inform the 3 credit bureaus that this inquiry on my account was fraudulent. Avant customer service said they'd forward the information to the Fraud team and the Fraud team would email an " Identity Theft Victim 's Complaint and Affidavit '' form within 5-7 business days. I could send the form back and then they'd be able to investigte and proceed. 

XX/XX/2022 - Received the Affidavit form from Avant Fraud via email. 

XX/XX/2022- Emailed notarized Affidavit form back to Avant ( at XXXX  ), as per their instructions. 

XX/XX/2022 - Called Avant customer service to follow up on the status. They stated that there is no way to speak to anyone on the Fraud team, I should email the Fraud team again at XXXX to follow up. 

XX/XX/2022 - I still have not received a response from Avant. I called again to follow up, again was told to email. I stated that I have yet to receive a response to my previous emails. Customer service stated that they would escalate my inquiry and someone from the Fraud team would respond within 14 days. 

I decided to file this complaint with the CFPB because it has been nearly 3 months since I submitted information on this case and no one at Avant will contact me.