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

I am a victim of identity theft. I was reviewing a copy of my credit report and discovered it contained some errors pertaining to the following Personal Information. I am requesting that you promptly update and delete addresses that I never resided and may possibly be relatives ' addresses. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The specific information under dispute is derogatory in nature. I am requesting the verification to follow reasonable procedures to assure maximum possible accuracy, of the information on my credit report. So, I am requesting you verify the items I am disputing at a higher standard than a third-party database search. Please also notify the source who reported the item within 5 days after receiving this dispute, and obtain either, verbal or handwritten verification directly from a person at that. Please delete/remove the following unverified accounts : XXXX XXXX XXXX # XXXX, XXXX XXXX, XXXX, XXXX, XXXX x XXXX, XXXX, XXXX XXXX # XXXX x XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX My name is : XXXX XXXX - XXXX : XX/XX/1995 - SS # : XXXX ALL OTHER NAME VARIATIONS ARE NOT ACCURATE PLEASE REMOVE : XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX My current and only address is : XXXX XXXX XXXX XXXX, XXXX, OH XXXX All other addresses are not accurate. Please REMOVE/DELETE these addresses IMMEDIATELY : XXXX XXXX XXXX XXXX, XXXX, OH XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX My current telephone number is : XXXX All other telephone numbers are not accurate. Please REMOVE/DELETE these telephone numbers IMMEDIATELY : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX My current employer is : XXXX XXXX XXXX XXXX : All other employers listed are not accurate. Please REMOVE/DELETE these employers IMMEDIATELY : XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am reporting StillMan Law Office for the fraudulent action taking against my credit score reports since the agreement accepted by both of us has been breached. The agreement was accepted by making monthly payments starting on XX/XX/XXXX with the amount of XXXX USD. The settlement was for the amount of XXXX USD. However, my account showing on my credit reports still shows a balance of XXXX USD, which is still deceiving my personal accomplishment due to this past due delinquency charged when it should be take off my account on XX/XX/XXXX of XXXX. I have been trying to reach Still Man Law Office and Even faxed the proof of payments made to Still Man as agreed, but unfortunately they are never available. I have received today XX/XX/XXXX of XXXX another letter stating that I own XXXX USD. When I already paid them the agreed amount of XXXX USD. Here I am attaching the supporting proof of my bank checks statement that confirmed that the XXXX USD payment was cleared and debited at Still Man Law Office.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep concern regarding recent inaccuracies identified in my credit report associated with the above account number. Specifically, the " date last active '' information being reported by Capital One appears to be inaccurate and requires urgent correction. 

As per the Congressional findings and statement of purpose outlined in 15 USC 1681, accuracy and fairness of credit reporting are crucial components for the proper functioning of the banking system. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine public confidence, essential for continued operations.

This letter serves as a final notice and an opportunity for Capital One to address and correct the identified inaccuracies promptly. Failure to take corrective action will leave me with no alternative but to pursue civil and criminal liability under 15 USC 1681n, which allows for penalties of {$1000.00} per violation. Additionally, I would like to draw attention to the potential criminal liability outlined in 15 U.S. Code 1611, emphasizing the consequences for willfully providing false information or failing to comply with necessary requirements.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US DEPT ED XXXX XXXX XXXX XXXX US DEPT ED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CPS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the XXXX credit bureaus but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX Balance : {$8500.00} XXXX XXXX XXXX Balance : {$1300.00}
Product: Credit card

On XX/XX/year>, I discovered that my credit card my amazon XXXX  credit limit was reduced to XXXX, rendering the card unusable. This adverse action was taken despite ongoing arbitration proceedings, regarding a billing error. To initiate said billing error, I sent Chases registered agent in California an affidavit which explicitly stated that Chase Bank isn't allowed to restrict, limit, or disrupt my account in any way under 12 CFR 1026.13 ( d ) ( 3 ). My affidavit was received and remains unrebutted. 

Additionally, my second Chase credit card account was also adversely impacted. On XX/XX/year>, I requested an upgrade from Sapphire Preferred to Reserve. However, I never received the new card. I made a follow-up call on XX/XX/year>, to order a replacement card. Although I requested a 2 day delivery, the card never arrived. This is perceived as another adverse action, despite the account being in good standing with no disputes or arbitration proceedings. 

Chase Bank violated 12 CFR 1026.13 ( d ) ( 1 ) by penalizing me for withholding payment on disputed amounts during the arbitration process. Additionally, they violated 12 CFR 1026.13d ( 3 ) by reducing my credit limit in apparent retaliation for exercising my rights under Regulation Z. 

Chase Bank 's actions in violating 12 CFR 1026.13 ( d ) ( 1 ) and 12 CFR 1026.13 ( d ) ( 3 ) may also constitute violations of the California Consumer Credit Reporting Agencies Act ( CCRAA ) if these actions resulted in inaccurate information being reported to credit reporting agencies or if proper notification and dispute handling procedures were not followed as required under the CCRAA. 

These actions have resulted in direct financial harm, mental and emotional distress and increased interest charges and the inability to access credit when needed. Despite sending a dispute letter to Chase Bank regarding these adverse actions and violations on XX/XX/year>, I have not received any response or resolution. 

Chase Bank violated 12 CFR 1026.13 ( d ) ( 1 ) by penalizing me for withholding payment on disputed amounts during the arbitration process. For this violation, Chase Bank is civilly liable to me under 15 U.S.C. 1640 ( a ) ( 2 ) ( A ) ( i ), which entitles me to statutory damages of up to {$1000.00}. 

Chase Bank violated 12 CFR 1026.13 ( d ) ( 3 ) by restricting and limiting my account due to an ongoing billing error dispute. For these violations, Chase Bank is civilly liable to me under 15 U.S.C. 1640 ( a ) ( 2 ) ( A ) ( i ), which entitles me to statutory damages of up to {$1000.00} for each violation. 

Furthermore, It is pertinent to note that I have revoked Chase Banks ( JPMorgan Chase Bank, N.A. ) power of attorney and security interest on XX/XX/year>. Despite this, Chase Bank continues to take unauthorized actions on my accounts, disregarding legal boundaries and instructions provided. This disregard for the revocation strengthens my claims, as it suggests misuse of authority and unauthorized access to my personal information. 

I appreciate your prompt attention to this matter and look forward to your investigation and resolution of this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted All 3 credit bureaus about the inaccurate information on my credit report on Early XXXX on more than one occasion. The three credit bureaus are supposed to report the same information, but they are not reporting the correct information regarding late payments for XXXX XXXX. The inaccurate late Payment that has been on my account has stopped me from getting the best rates in the loans and credit cards that I have applied for. It was not deleted. I also called first premier and nothing was changed. The status shows on XXXX and XXXX that I paid as agreed but on Experian it shows that I was late 30 days. That is false and I would like you to verify it and get to the bottom of it, because the bureaus have not been responsive over the years. If after my re-investigation of paragraph ( 1 ) of any information disputed by a consumer, a item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall Please delete the item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the re-investigation.
Product: Credit reporting or other personal consumer reports

EQUIFAX is obligated by the FCRA to report accurate accounting. XXXX has advised ALL the inquires reported was fraud. XXXX company had 4 days according to XXXX to remove such items. FTC XXXX report was filed on behalf of consumer, consumer is now requesting EQUIFAX to provide the documentation used to determine inquiry was indeed authorized by the consumer, EQUIFAX has 15 days to provide me with the name of the person spoken to, documentation used, signed application with consumer wet ink signature. XXXX is NOT asking for an e-oscar report. If EQUIFAX 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. EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX is securitizing consumers data yet refuse to provide consumer a copy of their CONSUME FILE NOT CONSUMER REPORT.
Product: Credit reporting or other personal consumer reports

My credit rating debt usage has been negativity impacted by the erroneous statement issued by indigo credit card causing my usage to reflect at XXXX %. I made my payment in full on XX/XX/year> - confirm # XXXX. However Indigo reported to the credit bureaus that I have a balance of {$280.00}. In addition the posted statement to my account on their website reflects {$280.00} in error as well. I spoke with a representative XXXX to resolve the issue the language barriers at this company makes it impossible to resolve errors they have caused. This in accurate reporting has caused my credit score to drop making me ineligible for approval on the unwriting of my mortgage loan I was set to close on XXXX, 2024. My family has suffered a huge set back because of Indigo Credt Card.
Product: Mortgage

XXXXXXXX XXXX XXXX  on XX/XX/year>. Received letter from the reverse mortgage company XXXX XXXX XXXX XXXXXXXX XXXX ) to the house on XX/XX/XXXX, stating that we needed to provide evidence that the house was up for sale by XXXX to avoid XXXX. Received an automated messaging in XXXX that the house was in XXXX. Complained to the company on XX/XX/XXXX about the discrepancy. Found XXXX  attorney fees added to the loan balance posted on the account XX/XX/XXXX for a total of {$2100.00}. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

Had a tax lien put on credit report from a past tax bill die from a death in the family. Paid bill in full when found out bill was due. This reflects mine and my husbands credit score. 
Tax lien was from : XXXX COUNTY CLERKXXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX {$550.00}. Paid in full
Product: Credit reporting or other personal consumer reports

Under the guidelines of the Fair Credit Reporting Act, it is stipulated in 15 USC 1681 section 602 ( a ) that consumer reporting agencies must carry out their duties with fairness, impartiality, and respect for consumer privacy. Chex Systems is recognized as consumer reporting agencies, and I, as the consumer, have the fundamental right to safeguard my private information, as reinforced by 15 USC 6801, which mandates financial institutions to uphold customer privacy and safeguard their nonpublic personal information. XXXX XXXX XXXXXXXX and XXXX XXXX XXXX being financial institutions, falls under this mandate. As per 15 USC 1681 section 604 ( a ) ( 2 ), consumer reporting agencies can only furnish a consumer report with explicit written instructions from the consumer concerned. Neither XXXX XXXX XXXXXXXX, XXXX XXXX XXXX nor the consumer reporting agency Chex Systems have my consent or written authorization to share this information. Any prior consent, whether verbal, non-verbal, written, or implied, is hereby revoked. Additionally, 15 USC 6802 ( b ) ( c ) requires financial institutions to inform consumers of their right to opt out of information disclosures to third partiesXXXX XXXX XXXX XXXXXXXX and XXXX XXXX XXXX failed to inform me of this right, violating the law. Moreover, 15 USC 1681C ( a ) ( 5 ) prohibits consumer reporting agencies from including certain adverse information in consumer reports without proper authorization, which they have done without my permission. Furthermore, according to 15 U.S. Code 1681s2 ( A ) ( 1 ) and 15 U.S. Code 1681e, it is unlawful to furnish inaccurate information to consumer reporting agencies, and these agencies must maintain reasonable procedures to avoid violations. As per 12 CFR 1016.7, consumers have the right to opt out of reporting services at any time, and I am choosing to exercise that right and opt out of the reporting services provided by these agencies. 

Lastly, per the Privacy Act of 1974 ) the term record means any item, collection, or grouping of information about an individual that is maintained by an agency, including, but not limited to, his education, financial transactions, medical history, and criminal or employment history and that contains his name, or the identifying number, symbol, or other identifying particular assigned to the individual, such as a finger or voice print or a photograph ; this includes cosumer reports. No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please see the attached letter from XXXX XXXX confirming they have determined the account listed on my credit is indeed fradulent. I have also included the police report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  Account # XXXXXXXX XXXX XXXX XXXX XXXX has violated my rights. 

In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX XXXX XXXX XXXX has violated my rights. 

In accordance with the Fair Credit Reporting Act XXXX  Account # 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 Section 604 A Section 2 it states a consumer reporting agency can not furnish an account without my written instruction Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Please be advised that I sent my first request XX/XX/2023, to review my consumer credit report, there are several fraud/unauthorized inquiries listed. Equifax is notorious for sending back a response that items have been validated or the record is accurate, without providing tangible proof of what research you did to conclude this decision.
Product: Debt collection

On XX/XX/2018, I received a phone call from XXXX XXXX XXXX advising they were attempting to collect an outstanding debt which was transferred from Lending Club. The amount was for {$20000.00}. He was interested in setting a payment plan to repay this amount. At this time i advised the rep with this company I was involved with a debt mang company, he was provided with the name and phone number of the debt mang company. he stated they have dept that works specifically with debt mang programs which would not be an issue. On XX/XX/2018, i contacted my debt mang program to inquire if XXXX  contacted them they did not. I reached out to XXXX to inquire on why they did not, they stated the number did not work. The number again was provided with an extension, which has been the same number i have been using to contact the mang company with no issues. On XX/XX/2018, i spoke with the mang company and asked if XXXX contacted them they had not. I have not heard from XXXX  since XX/XX/2018. This amount of {$20000.00} is currently listed on my credit report as an active collection record which hurt my credit drastically. besides the phone call the credit report was the only other way i knew what was going on with this loan. also the creditor listed for this account is XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I opened an account ( credit card ) with CB Indigo on XX/XX/XXXX. My credit report is reflecting late payments for XX/XX/XXXX, XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

I worked for XXXX XXXX from XX/XX/XXXX- XX/XX/XXXX surpassing 9 years and due to the pandemic I was laid off with 26 other peers. I called this company and requested that the late payments please be removed as I was struggling to make payments and take care of my family. Prior to XXXX and following XXXX all payments were made and made on time. The account is current and I am only askiing that they please remove the late payments due to this tremendously negatively hitting my credit score.
Product: Money transfer, virtual currency, or money service

Dear CFPB, One year ago today, we put money in CD for one year at GS Bank, it matured today XX/XX/2018. I called bank today to give an instruction of " do not renew, transfer money to Savings. '' I was told that transfer takes 1~2 business days. GS Bank tries to hold onto people 's money as long as it can by using this kind of unlawful delaying tactics nowadays, hoping a 10 day grace period runs out in the meantime. 

I had gone through several scary experiences with this bank over a couple of year that just wanted to close the account. This bank also received horrible reviews that I wanted to take these reviewers ' advise. Total amount as of today, including two days interest, should be {$250000.00}. CD #  XXXX. 

Without CFPB 's support, I wouldn't have had online banks in the first place, but even CFPB 's support nowadays, I don't feel our money is safe, since GS Bank has gotten so bold criminally. 

GS Bank needs CFPB 's oversight for sure.
Product: Credit reporting, credit repair services, or other personal consumer reports

equifax shows that my XXXX  loans are still open ; however, all my XXXX  loans are at {$0.00} balance.
Product: Credit reporting or other personal consumer reports

I am a victim of human trafficking of Debt bondage and would like for the account ( VEROS CREDIT ) to be BLOCK AND DELETED FROM THECOMPANY INFORMATION TRANSUNION LLC AND LAST FOUR OF SOCIAL SECURITY NUMBER ( XXXX ), DATE OF BIRTH XX/XX/year>, MY NAME AS IT APPEARS ON CREDIT REPORT * XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

According to my consumer report I received dated XX/XX/2023 and I have noticed various areas in the way you are furnishing my information. If you havent been made aware, there are various federal laws in place to protect me as a consumer and to construct this business transaction. As a gentle reminder you CAN NOT report/treat a payment on an open ended credit plan as late for any reason. If you need direct citation please refer to 15 USC 1666 ( B ). I also would like to bring forth another law pertinent to this letter ; 15 USC 1681 ( B ) where it states that I as a consumer would need to give you PERMISSION to furnish information on my behalf. To date, I have not granted you or Transunion such authority. In accordance with 15 USC 1681a ( 4 ), I have the right to privacy by furnishing transactions between I the consumer and the furnisher which is a violation 15 USC 1681a ( 2 ) ( A ) ( i ).

Pursuant to 15 USC 1681a ( 2 ) ( A ) ( iii ) - the consumer must be given a hcnace to direct the information whether they want the information about a transaction to be reported or not. This is referenced to the Gramm Leach Bliley Act. I was not given that opportunity which is a violation of said section. 
Your apparent and constant neglect to properly carry out your job is costing me by ruining my consumer report. This letter is an attempt to remedy the following listings you have listed on my consumer report. As I have contacted Transunion and the corresponding information is not as listed on my consumer report. These accounts should PROMPTLY be updated as ON TIME : 1. Pursuant to the Fair Credit Reporting Act 15 USC 1681a ( e ) Investigate consumer report means no factual information should be furnished on my consumer report. Pursuant to 15 USC 1666-1666b and 12 C.F.R. 226.13 remove all late payments. In Accordance with 15 USC 1681 ( a ) ( 4 ), I have the right to privacy and you are invading my right to privacy by furnishing transactions between I the consumer and the company XXXX XXXX ) which is a violation of 15 USC 1681a ( 2 ) ( A ) ( i ). 
XXXX Account Number : XXXX I demand that these late payments be removed or be civil liable for damages pursuant to 15 USC 1611 ( 1 ) ( 2 ) ( 3 ) you will be fined no more than XXXX or no more that one year in jail. 
Any information listed on my consumer report must be verified or immediately removed. I am due for a thorough and proper investigation. Please send me any information regarding my request and an updated consumer report showing that the abovementioned demands have been met. As a gentle reminder, this is my first and final attempt at peaceful civil mediation. 
I request that you provide me with proof of this alleged payment being late. If unable to provide or lacking proof of the payment being late, update the payment history to be paid as agreed/never late ( XXXX  ).