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

According to the Fair Credit Reporting Act 15 USC 1681 Section 602 a states, " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. XXXX, Experian, as well as XXXX are all consumer reporting agencies and I am the consumer. According to 15 USC 6801, I have the right to make sure my private information isn't shared, and it states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customer 's nonpublic personal information. '' Furnisher of Information to Credit Agencies is defined as " the financial institution and the consumer reporting agencies. By definition, Furnisher of Information to Credit Agencies is a financial institution under that same title. Now, 15 USC 1681 section 604 a section 2 states, " In general subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instruction of the consumer to whom it relates. '' Furnisher of Information to Credit Agencies, the financial institution and credit reporting agencies XXXX, Experian and XXXX, do not have my consent to furnish this information ; whether that be written, nonwritten, verbal, nonverbal, or implied, they do not have my consent. Any and all consent is revoked. Also, I was never informed of my right to exercise my nondisclosure option. 15 USC 6802 ( b ) ( c ) states, " a financial institution may not disclose nonpublic personal information to a nonaffliated third party uness -- the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' In addition to that USC, one that corresponds with that here is USC 1681C ( a ) ( 5 ) which states the following : " Except as authorized under subsection ( b ), 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. '' Several accounts fall under the category of adverse items which is against the law as they are reporting without my permission. 12 CFR 1016.7 states, " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services. To back this up, 15 USC 1681e states, " Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. '' ; and 15 USC 1681s-2 ( A ) ( 1 ) states, " A personal shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has a reasonable cause to believe that the information is inaccurate. XXXX, Experian, and XXXX are not maintaining reasonable procedures.
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 : INQUIRY : XXXX XXXX  XXXX XXXX  XXXX  XX/XX/year> 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 XXXX 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 CREDIT BUREAU 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, I have requested contracts from this company with my information and for more than XXXX  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, credit repair services, or other personal consumer reports

This organization is in violation of 15 USC 1692 Subchapter V. 

Repeatedly request that organization to remove this alleged debt from my credit report. I the consumer can not be denied an extension of my own credit. 

This organization is in violation of Furnishing certain deceptive forms. 

15 USC 1692 ( j ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. 

The false representation or implication that documents are legal process.
Product: Credit reporting or other personal consumer reports

XXXX XXXX  Experian XXXX are reporting late payments status on my reports when there's an arrangement in place vans no late payments statuses should be reported- this is inaccurate and violates my rights according to 15 US Code 1682 and 15 US Code 1692 amongst other - account : XXXX  - XXXX XXXX has notified them of payment and shouldn't be reporting late per agreement
Product: Credit reporting or other personal consumer reports

FTC REPORT PERSONAL STATEMENT : I am filing this FTC Identity Theft Affidavit to report due to fraudulent accounts that show on my consumer XXXX credit report which I do not recognize as reported and which result from identity theft and fraud. I demand that the previously mentioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease according to my rights within the FCRA and FDCPA laws. This is preventing me from being able to get approved for my home loan and I am in disbelief. 


CFPB PERSONAL STATEMENT : This CFPB complaint has been filed to request under FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block and remove 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 few Personal credit card accounts. 
ACCOUNT NAME : Capital One ( Bank ) DATE OPENED : XX/XX/year> These accounts have resulted in several fraudulent hard inquiries and collections appearing on my consumer XXXX credit report, leaving me with so much stress. I demand that the previously mentioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease according to my rights within the FCRA and FDCPA laws. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all previous consumer credit accounts, collections, and hard inquiries result from identity theft and fraud.
Product: Debt collection

My complaint is that the account is reported as {$0.00} past due however they have failed to removal of this debt and it is hurting me and my ability to finance a new home. I have specifically requested the final account statement and automized statement showing the credit card was completely paid off and paid in full. They have been reporting this inaccurately and have not removed this file hurting my credit scores and the financing of my new home.
Product: Credit reporting

Last month, my credit score was XXXX. Today, the Experian Credit Monitoring Service notes that my credit score was downgraded by XXXX to XXXX! More concerning, ( 1 ) I have not applied for new credit, ( 2 ) I have not been late on my payments within the past 24 months, ( 3 ) No accounts have been closed, ( 4 ) I have not used my credit cards in since XXXX 2015, and ( 5 ) no credit inquiries last month. 

I would like the credit bureaus to explain why my credit score dropped. I am currently paying $ XXXX/month to monitor my credit because I want to improve my credit worthiness. As a customer, I should be entitled to know why my credit score dropped because it is not showing up on my credit reports. Please advise.
Product: Credit reporting, credit repair services, or other personal consumer reports

I monitor my credit report closely and noticed that you guys placed a CLOSED account on my report without my consent!! Firstly, I applied for a credit card, and was not happy with the credit limit, so I immediately contacted XXXX XXXX to cancel the account. I HAVE NEVER RECEIVED ANY CARD OR USED IT ONCE! !. They told me when I contacted them that it would not be reported on my credit profile since I never activated the account!! Yet YOU are reporting it. Account : XXXX XXXXXXXX XXXX Also the companies have violated my rights several times under 15 USC 1681.

According to : 15 U.S.C 1681 Section 602 A : States I have the right to privacy.

According to : 15 U.S.C 1681 Section 604 A Section 2 : States a consumer reporting agency can not furnish an account without my written instructions.

According to : 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: Money transfer, virtual currency, or money service

I tried to send money for the first time to XXXX using debit card to debit card as they advertise. They said it would take max a week and after 15 days I contacted them to see what was going on and they said that the money is in process. I requested a refund and now they are not helping me anymore and they have my {$1500.00} plus the fee. 

Please help
Product: Mortgage

On Tuesday XX/XX/XXXX, my husband and I both received multiple Docusign emails from Caliber Home Loans labeled " Mortgage Loan Disclosures from Caliber Home Loans, Inc. ''. We could not open these disclosures because they required a password. Neither my husband nor I have a loan application in with Caliber Home loans so disclosures are cause for concern. I used the phone number in the docusing email to call and discuss the issue. The phone number doesn't work. I responded to the customer service email address saying I don't have a loan application in and I have concerns about the docusign. I have attempted to use every customer service phone number I can find and can not get a person on the phone. I also submitted a customer inquiry through the website. The customer service response was " Please provide your loan number and/or address so we can assist. '' I have replied, yet again, that I can't provide a loan number or address because I don't have a loan application in with Caliber Home Loans. I have concerns that Caliber Home Loans isn't protecting consumers, myself included, by not having adequate fraud detection and prevention measures in place. I am concernd that a fraudulent loan has been taken out in my name and I can't get anyone on the phone to discuss it. 

PLEASE NOTE - I am required to enter an address in order to submit a complaint, but I DO NOT HAVE A LOAN so the address entered is my current home address and is NOT connected to the potential fraud in question.
Product: Credit card

i got an email saying my account has been closed and my request to close it was approved. i never made any request
Product: Mortgage

Back in 2009, Chase Bank failed to correctly instruct me on how a reaffirmation agreement was to be filed. This has lead to my continued on-time payments to Chase not being reported to the credit bureau thus making me an unlikely candidate to refinance with them to receive a lower mortgage rate. I have been diligently working trying to resolve the Non-Reporting issue with Chase. Unfortunately Chase did not inform me back in 2009 how I was to correctly proceed with asking for a re-affirmation agreement. Thus, Chase is not able to ever report my payment history to the credit bureau. 
I have spoken with many individuals in the Chase Escalations Department only to circle back to the fact that they ca n't do anything for me. Escalations says to speak to the " Loan Manager '' and the loan manager says to speak with the " Bankruptcy Department '' and the bankruptcy department says to speak with the " Escalations Department ''. At this point, it seems that Chase is unwilling to help with our situation even though many mistakes were made on their part. 
My only goal was to refinance with Chase at a lower mortgage rate and obtain extra funds to pay off a personal debt. I believe we have enough equity in our house now that we would qualify. 
I am not sure if we can move forward from here or if upper management can give some kind of approval. I will email the Consumer Financial Protection Bureau to see if they can provide assistance. It is very frustrating being that I am a responsible customer that makes on-time payments and have been throughout my loan history. 
If you have any information you can provide, it would be greatly appreciated. 
Thanks. 
XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for credit with XXXX XXXX on XX/XX/XXXX, I was denied, which was fine. I later saw on all 3 of my credit reports that my credit was checked by XXXX XXXX on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I was told by an account supervisor at XXXX XXXX that they seem to be duplicates and I should call all 3 credit bureaus and have them remove it over the phone. They all will not remove these inquiries that I did not make, I only made the XX/XX/XXXX inquiry. I keep getting the run around from all 3 bureaus saying they can't remove them and to contact the creditor. When I contact XXXX XXXX, they say the credit bureaus have to remove them since they were duplicates not made by me. This is causing me a lot of distress and hurting my credit score.
Product: Debt collection

I dispute that I owe any debt. Bay Area Credit Service is trying to collect a non existent {$200.00} debt for a super speeder fee in the State Georgia plus {$50.00} for a fee. I never had a {$200.00} ticket. I had a ticket that was reduced from {$650.00} to {$210.00} by the XXXX County 's prosecutor through negotiations I did with him personally the day of my appearance in Court. I paid this fee on XX/XX/19 to the XXXX County Traffic Court, payment that the Court memorialize in the summons and in a receipt it provided me. 

Accordingly, not only did Bay Area Credit Services failed to verify a debt existed, which makes its action or inaction a violation of the FDCPA, but Bay Area Credit Services also misrepresented any so called debt amount and harassed me by sending a debt collection letter to my work address in XXXX XXXX. I received this letter on XX/XX/19.
Product: Credit card or prepaid card

I have been a  Chase  credit card customer for approximately 8 years. I currently h ave 7 car ds wi th Chase -- 6 personal cards and 1 bu siness card. I have never had a late payment and I have a  XXXX   credit score .  <P/>  Two days  ago I was shopping and went to  use my Chase bu siness card. It was declined. This was very frustrating and embarrassing for me as I had no other form of payment. However, I assumed it was a minor issue. Then I went on my Chase.com account and saw that all of my credit cards were marked with " this account has been closed. '' There was no explanation and no warning. Assuming there must be some mistake, I called i nto Chase on that same day. The customer service representative at firs t had no idea what had happened. Then he put me on hold and said that sometim es Chase will do an ac count " review '' and decide to close a person 's accounts. I told him that that made no sense in my case since I have a perfect payment history, most of my cards have no balance, and I never come even close to maxing out a card. He told me that that was all the information he could provide. I was dumbstruck.  <P/> How coul d Chase just arbit rarily decide to close all of my accounts? This made even less sense to me since I have just recently opened a new account with them, and it had to be manually approved so I had just a couple of weeks ago had someone f rom Chase revie w my account and credit and issue me the new card! The only remote possibility I could think of was that I had recently made a payment to my business card that was returned because of a bank error and I was charged {$39.00} by  Chase. However, I called into Chase about th at and they reversed the charge and I made a new payment so it was not an issue.  <P/> I really ca n't believe this. I have multiple automatic payments set up with those card a nd I use my Chase bus iness card on a daily basis. I 'm now scrambling to make sure that I do n't miss payments on various subscriptions that I have set up through those accounts. I have a high income and have never had any credit issues -- no late payments, no bankruptcy, nothing. The fact that the customer service representative was n't even able to give me a reason for the closure was even more upsetting. This is absolutely humiliating and unacceptable.  <P/> The current balances  on four of my Chase cards are {$0.00}. One personal card has a balance of ~ {$2000.00}, and my busin ess card has a balance of  XXXX  {$900.00}. Neither are past due.  <P/> I searched on  XXXX  and apparently I 'm not the first person that this has happened to. Someone recommend that I file this CFPB to help get my accounts reinstated.  <P/> Thanks you, and if you have any questions please do n't hesitate to contact me.
Product: Credit reporting or other personal consumer reports

The existence of these unauthorized accounts and inquiries has caused me significant anxiety regarding my financial well-being. It is essential that my credit report accurately reflects my financial history, as it informs potential lenders of my financial management practices. Therefore, I am requesting an immediate investigation and prompt removal of the following inaccuracies and unauthorized accounts. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

Santander is reporting a charge off on my credit report that should be removed as settlement with XXXX XXXX. I have attached them for review. Then a collection account with XXXX also hit my credit report which shouldn't be on there either.
Product: Credit reporting or other personal consumer reports

upon checking my credit report online with experian, I notice that there is a collection a couple of collections reporting in my report. I filed a dispute with XXXX trans union and XXXX letting them know that the information was inaccurate that i have never had an agreement or account with either company but they are still reporting to the credit bureaus. not only have I never had an account with either company, They are also reporting the accounts as open and with a balance. as of XX/XX/2024 XXXX capital is reporting a balance of {$1800.00} on account # XXXX and XXXX XXXX XXXX is reporting a balance of {$880.00} on account # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This was my second submission of complaint to request several credit inquiries that were unauthorized be removed from my credit report. Let me repeat that someone has been inquiring and opening accounts under my name. As per legal advice from a friend and as per your agent 's advice, I should file an FTC, which I did and I have attached it to this letter. The Experian, XXXX and XXXX XXXX reporting agencies should remove all unauthorized credit inquiries due to non-permissible purpose under the Fair Credit Reporting Act section 605B within 4 days from date of receipt of this letter. In addition, I am contacting each company listed below to close any and all fraudulent inquiries opened : XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX : XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX : XXXX XXXX XXXXXXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX XX/XX/2023
Product: Credit reporting or other personal consumer reports

I found unauthorized accounts on my credit report, likely due to identity theft, and I want them blocked and removed as soon as possible.
Product: Money transfer, virtual currency, or money service

I made a   XXXX   dollar deposit to my sister 's bank account in   XXXX   on   XXXX   XXXX  , 2017 but when I contacted her to inform her she told me that that bank account had been closed on   XXXX   XXXX  , 2017.
She went to the bank and tried to reopen the account to collect the money and they said that it was not possible to do that the money had been returned to whoever sent it and now neither the bank in  XXXX  nor the company I was with whom the sending was made They want to make them responsible for delivering the money.
The company vigo says that in its system appears the money paid and that expect a response from the bank but have spent 2 weeks and do not give me any solution to the problem if not to keep waiting.
I thank you in advance for the help you can give me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Theres unauthorized inquiries on my credit report and I would like to have them removed XXXX removed these disputed inquiries but XXXX  and TransUnion hasnt all three credit bureaus are reporting different inquiries
Product: Credit reporting, credit repair services, or other personal consumer reports

In accourdance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX  ) account # XXXX and XXXX, account # XXXX, XXXX, have violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 also states a consumerreporting agency can not furnish an account without my WRITTEN instructions.

15 U.S.C 1666B states A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason or purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

I formerly requested that both XXXX and XXXX remove derogatory information from my credit report. I also have paid a company to clean up my credit and they have sent paperwork disputing my " Public Record '', that I have a tax lien. They verified a lien, but it was the wrong lien. I have had 2 liens on my credit since XXXX. A federal tax lien in the amount of about {$18000.00} or so, may be higher, I am not sure. I never paid that lien, and it fell off my credit report in XXXX. Also, in XXXX, we were told that the state of Alabama had put a tax lien on us for the amount that is being reported currently on my credit report. A STATE TAX LIEN, not the Federal one that is already off. I submitted documentation to show that the STATE TAX LIEN was RESCINDED!! That means that it was never supposed to even exist. It's been rescinded by the state, and when you call to verify the STATE TAX LIEN, they will tell you there is no record of a tax lien because it was RESCINDED!! I have provided documentation, and they claimed to have removed the tax lien from my credit report, but that didn't happen. It was not removed. Both XXXX and XXXX, as of today, XX/XX/XXXX, still show that I have a tax lien on my credit report. ( See attached ). I want both companies to remove my tax lien, and put me in the position I should be in.