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

Subject : Formal Notice of Non-Compliance and Intent to Initiate Legal Action I am writing to provide formal notice of non-compliance with the Fair Credit Reporting Act ( FCRA ) by your credit reporting agency. This letter is to inform you that several inaccuracies on my credit report, involving previously resolved and deleted accounts which have been unauthorizedly reinserted, have not been corrected despite prior disputes and communications. This notice also references an active Federal Trade Commission ( FTC ) report pertaining to these matters. 

Detailed Account Information : Previously Deleted and Unauthorizedly Reinserted Accounts : XXXX XXXX Account Ending in XXXX XXXX XXXX Account Ending in XXXX ( Note : This account is listed twice, indicating a potential error in reporting. ) XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account Ending in XXXXXXXX XXXX XXXX Account Ending in XXXX Incorrect Collection Account XXXX XXXX XXXX Reported Amount : {$1500.00} Discrepancy : This collection account is inaccurately associated with my financial records. 
Actions Required : Immediate Removal of Reinserted Accounts : As these entries were previously investigated and determined to be inaccurately reported resulting in their removal, their reinsertion violates the FCRAs provisions concerning the accuracy and integrity of credit reporting.

Correction of Erroneous Collection Entry : The collection account reported under XXXX XXXX does not pertain to any of my financial activities and must be removed immediately to reflect accurate credit information. 
I am prepared to take legal action if these issues are not resolved within the stipulated 30-day period as mandated by the FCRA for dispute resolution. Please consider this letter a final notice before I pursue further legal remedies, including seeking statutory and punitive damages for non-compliance. 

I request written confirmation of the receipt of this notice and detailed documentation of the steps your agency will take to rectify these errors. Immediate attention to these matters is crucial and highly anticipated.
Product: Credit card

we applied for a mortgage loan, and this error is reporting on both our credit. we mailed letters to all XXXX bureaus and a direct letter to SYNCB/Care Credit to remove this account that is not ours. It was removed off my wife 's credit file, but it still remains on mine. We ca n't proceed until this problem is fixed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card

Fraudulent Charge someone used my credit card online to purchase {$13000.00} XXXX watch from jewelry store in Illinois. 
Charge was made XX/XX/XXXX - XXXXXXXX XXXX - Charged {$13000.00} - Email Alert - Assuming this was declined then another charge was made on XX/XX/XXXX - XXXXXXXX XXXX - Charged {$13000.00} - Text Alert I noticed the charge when I woke up and reported it as fraud to Chase via Chase Customer Services on XX/XX/XXXX - XXXXXXXX XXXX  to XXXXXXXX XXXX  I was told since it is a fraudulent charge, we will take the charge off of your account and issue you a new credit card. 

XX/XX/XXXX - the charge was added back on my card and I was found responsible from the information provided by the merchant to chase The charge was made on XX/XX/XXXX, I reported on XX/XX/XXXX, then chase reported to merchant on XX/XX/XXXX and still merchant shipped the package with XXXX on XX/XX/XXXX and it was picked up by unknown person from XXXX store on XX/XX/XXXX. 

Chase is holding me responsible even though I followed the step and reported it immediately. Chase is saying the evidence are against me and I am responsible to pay the {$13000.00}. They are not putting charge on hold until the matter is resolved. They basically closed the case without providing me any details. 

This is going to hurt my credit and it is going to be collecting interest on the card since I will not be making any payment until the matter is resolved. 

I thought reporting the fraud would resolve the matter, but chase is not helping it anyways. they do not respond in timely manner, and I have to keep calling to get any help.
Product: Credit reporting or other personal consumer reports

This is my OTHER 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 itemsXXXX  XXXX XXXXXXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : -, XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is not my address
Product: Credit reporting, credit repair services, or other personal consumer reports

American Express put my name and address on a XXXX/XXXX along with family members which is preventing me from accepting credit cards. I don't owe the company any money and this list of there's is inaccurate and discriminate.
Product: Checking or savings account

on XX/XX/2022 i received a text message that i was being charged XXXX for an item and they gave me a number to call to cancel. so i called the number and they said i had several accounts open on amazon and they were going to try to close those accounts. they had me on the phone for hours so i didnt answer any of the bank texting me. somehow they started transfering out of my saving accounts to my checking. then they transfered {$9500.00}. out of my savings account and i havent received any of it back.
Product: Money transfer, virtual currency, or money service

I have had issues and would like a refund of lost funds.
Product: Mortgage

In the recession of XXXX and its subsequent fallout our property was targeted for foreclosure after Wells Fargo refused to help us avoid foreclosure. We never missed a payment and were told multiple times that there was nothing to be done to assist us in avoiding this disaster. We lost our home in XXXX of XXXX. We were offered XXXX consolation in resolving this problem of their inability to restructure our mortgage. I had multiple contacts with Wells Fargo which led to nothing. Please help us. We had been excellent customers. 

Thanks XXXX XXXX
Product: Debt collection

XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Kansas XXXX. XXXX XXXX XXXX XXXX all XXXX XXXX collection agency-attorney 's representing American Express Bank. These debt collector produced a fradulent service and affidavit to the court with out a full validation of media and original contract and purchase agreements with no signatures. Only to produce copies. The debt collectors filed fradulent service on me a natural lawful consumer in a Missouri State Court using deceit to manufacture a avenue to move forward in this court proceeding knowing they were not following the rules of the FCDPA 15 USC 1962.

In response to the 3 debt collectors breach of contract claim and the 2 default judgment attempts attached it clearly shows that since XX/XX/XXXX in writing that fraud exist when plaintiff, original creditor, agents, and employee 's, debt collector 's which in fact are attorney 's have blatantly disregarded the rules of the FDCPA.
Product: Debt collection

National Credit Adjusters have reported inaccurate and unverified collections on all of my credit reports. I sent a letter to this company on XX/XX/year> requested a validation of debt letter and to stop all collection efforts. To remove any negative remarks from my credit report. I also did a follow up email with no response from the collection agency. They continue to report this debt they claim to be mine with zero proof. I disputed the debts with proof that I have asked this collection agency to validation of debt as it is my legal right under the FCRA. To this day I have not received proof that these debts belong to me and they continue to report the inaccuracies on my credit report.
Product: Mortgage

Requested a loan modification whereby I would be able to retain the property. The modification application was denied for the Home Retention Option. The servicer did not perform a complete review of my ability to pay under modified terms. The servicer concluded that they could not create an affordable payment without changing the terms of my loan beyond the limits of the program. I followed the servicer 's instructions to request a Second Independent Review of Modification Denial. Servicer has not responded with results of Second Independent Review nor has the servicer requested any supporting financial information from me to support my ability to pay under modified terms.
Product: Credit reporting or other personal consumer reports

Since my initial dispute, I have taken additional steps to verify my identity and provide you with the necessary documentation to support my claim. As mentioned in my previous letter, I enclosed a copy of my government-issued ID, proof of address, and indicated my intention to file a police report. I would like to request an update on the status of your investigation and the reasons for the delay in removing these unauthorized accounts from my credit report. The extended presence of these fraudulent entries is causing me considerable distress, and it affects my ability to access fair and accurate financial opportunities. To recap, I filed a dispute on XX/XX/2023 regarding the following unauthorized item : XXXX XXXX CT NV XXXX XXXX XXXX. Please remove this item ASAP.
Product: Credit reporting or other personal consumer reports

ChexSystems is forcing me to disclose data not required under FCRA. I want to dispute a report and request my file without giving them unnecessary sensitive info.

CFPB Complaint ChexSy
stems Improper Data Collection & Reporting To Whom It May Concern, I am submitting this complaint regarding ChexSystems and their handling of my consumer report and dispute process. In XX/XX/2024, I submitted a written request to XXXX XXXX XXXX XXXX ( XXXX ) to close my account. XXXX failed to honor this request and subsequently filed a negative report with ChexSystems. This report is inaccurate, and I am actively disputing it. 

When attempting to request my consumer disclosure from ChexSystems, I noticed that their online form misleadingly marks certain fields as optional, yet requires ( such as Drivers License ) them for submission. This constitutes a deceptive data collection tactic and exceeds what is required under the Fair Credit Reporting Act ( FCRA ). I am being forced to submit personal information not legally required in order to access my own records or submit a dispute. 

I have submitted a formal records request to XXXX and am preparing a written dispute to ChexSystems by mail. However, I am filing this complaint to ensure proper oversight of ChexSystems practices, which I believe violate consumer data protection standards. 

I respectfully request that the CFPB review this complaint and compel ChexSystems to : 1. Accept consumer disclosures and disputes without requiring unnecessary personal information.

2. Investigate the inaccurate report filed by XXXX. 
3. Provide oversight to ensure compliance with FCRA and ethical data handling.

Thank you for your time and assistance. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, NH XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I recently pulled my Experian Credit Report and there were addresses that I have never lived. XXXX XXXX XXXX XXXX, XXXX  XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX 
Alias names I never used XXXX XXXX XXXX, XXXX XXXX. 
Also employment that I have never worked : XXXX, XXXX and XXXX
Product: Credit reporting or other personal consumer reports

Complaint Details : I am writing to file a formal complaint against Stellantis Financial Services , Inc. dba First Investors Financial Services regarding the unauthorized handling and reporting of my transaction history on my credit reports. According to the Fair Credit Reporting Act ( FCRA ) and other relevant federal regulations, such reporting is illegal without my explicit consent.

Supporting References : Right to Privacy and Accuracy : 15 U.S. Code 1681 - Congressional findings and statement of purpose : o ( a ) Accuracy and fairness of credit reporting : Congress emphasizes the need for consumer reporting agencies to handle their responsibilities with fairness, impartiality, and a respect for consumer privacy.

o ( b ) Reasonable procedures : Consumer reporting agencies must adopt reasonable procedures to ensure the confidentiality, accuracy, relevancy, and proper utilization of consumer information.

Sharing Information and Consent : 15 U.S. Code 1681b - Permissible purposes of consumer reports : o Consumer reporting agencies may furnish a consumer report only with the written instructions of the consumer to whom it relates.

o They need my written consent to add anything to my consumer report. Without this authorization, it is a violation of the FCRA.

Obligation to Inform : 15 U.S. Code 6802 ( b ) ( c ) : Financial institutions must inform consumers about their right to opt out of information sharing.

15 U.S. Code 1681c ( a ) ( 5 ) : Consumer reporting agencies can not report negative information that is over seven years old, except for criminal convictions.

Opting Out : 12 CFR 1016.7 : Consumers have the right to opt out of having their information shared at any time.

Accuracy and Procedures : 15 U.S. Code 1681s-2 ( a ) ( 1 ) : No one should report inaccurate information about consumers to credit reporting agencies.

15 U.S. Code 1681e : Credit reporting agencies must maintain procedures to ensure compliance with the law and limit the furnishing of consumer reports to the permissible purposes.

Given these provisions, Stellantis Financial Services , Inc. and the consumer reporting agencies XXXX, XXXX, and XXXX do not have my consent to furnish or report any adverse transaction history. Their actions in reporting this information without my permission are against the law.
Product: Vehicle loan or lease

Acct XXXX ally financial wrongfully reported this on my credit report.it was never a repossession
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion and XXXX Credit Reporting Agencies are reporting late payments on my student loans with XXXX in XX/XX/XXXX and XX/XX/XXXX, when these loans were place on deferred status during this period and also on forbearance for other periods of time. I have over six student loans and I have never been late with these loans. I have disputed the information for the last two years, with no success. These late payments are impacting my credit and I can't seem to receive any help from TransUnion or XXXX. 

XXXX is also reporting a collection account for a physician bill that was recently added after I filed bankruptcy with the original creditor. I have disputed with XXXX   several times, with the information still remaining on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX {$520.00} ( XXXX ) / XXXX ( XXXX ) $ XXXX XXXX XXXX XXXX $ XXXX XXXX XXXX $ ( XXXX  ) XXXX XXXX {$0.00} XX/XX/XXXX ) XXXX XXXX {$210.00} XXXX ) XXXX XX/XX/XXXX {$230.00} ( tXXXX ) XX/XX/XXXX {$260.00} ( XXXX ) XXXX XXXX XX/XX/XXXX {$260.00} XX/XX/XXXX {$110.00} XXXX I have sent letters to credit bureaus and XXXX the debtor asking to send me copies of everything they had on file to me and that has not been completed. The response i received was blank white paper with black spots, no picture!
Product: Credit reporting

Re : XXXX Account number : XXXX XXXX regards to this creditor reporting my account 30 days past due. This is very much inaccurate. 
I have spoken with these illegal representative 5x in regards to maing sure my payments are automatically drafted from my Credit Card. 
and 5x, I have received 5 different responses of yes, no problem, to it is there, to I 'm not sure we can do that, to the last time of, Your card was charged already. 
I can not be more clear when I say this, you CRAs BETTER make sure you get this late mark off of my credit report, or I will be escalating this complaint to the Attorney General against you and XXXX!
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 privacy and confidentiality under 15 USC 1681. 

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, has violated my rights. 

15 U.S.C 1681 Section 602 A states I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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, credit repair services, or other personal consumer reports

I've notified Experian several times the the 2 accounts from XXXX XXXX listed on my credit report was from fraud and should be delted/suppressed. I've sent police reports and ftc complaint and they still choose to ignore my request to remove it. I spoke with a customer service agent at Experian and he said that they do not actually investigate anything so I'm confused at this point.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, my two factor authentication was attempted to be reset, which I initiated. For six months, I have went back and forth with this business, attempting to reset my two factor authentication after I broke my phone. They have been impossible to reach, stating that I need to log in, to be able to contact them. Of course, this is impossible because my two factor authentication is not available. When they reset my two factor authentication, they failed to reset BOTH numbers on the account, proceeding to LOCK my account, failing to allow me access to both my money, and my account. They now will not allow me to contact them at all, removing the access from their website entirely. I have repetetively attempted to contact this business, from twitter, to phone, to email, to direct messaging. All attempts have failed.
Product: Debt collection

The laws of the state of Pennsylvania clearly states that when a repossession takes place, that there must be at least two auctions completed before there is an upset price pertaining to collection purposes. However, in fiscal year 2017, being that my family runs a XXXX business, we suddenly faced several financial issues that caused this repossession. Accordingly, I am requesting a reasonable settlement to this collection. The vehicle loan was for a high interest rate, and the payment was very high. I would appreciate an offer in compromise either through my email or direct mail, and Ill do my best to make that payment to benefit all parties.
Product: Credit reporting or other personal consumer reports

My account with ( XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports :
Product: Credit card or prepaid card

I have a capital one credit card such that I am having difficulties paying the credit card off as I am experiencing extremely high interest rate of 29.99 % I have been a capital one credit card customer for about 10 years. My monthly interest rate alone is over XXXX $ a month. It makes it impossible to pay the credit card off. I called today to ask for a lower interest rate. The service rep placed me on hold for over 10 mins than communicated to me they can not provide a lower interest rate.
Product: Credit reporting or other personal consumer reports

XXXX XXXX Account Number - XXXX XXXXXXXXXTo Whom It May Concern, I dispute your claim and I am requesting validation from you pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ).

Provide breakdown of fees including how you calculated what you claim I owe. 
Provide a copy of my signature on a contract or document that holds me responsible for this alleged debt. 
Cease any credit bureau reporting until debt has been validated by me as required under the FCRA. 
Send me proof that you are licensed to collect debt in the my state. 
accept this letter-sent as my formal debt validation request, which I am allowed under the FDCPA. 
I will await your reply with above requested proof. Upon receiving it, I will correspond back with you.