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

UNTHICAL AND FRAUD ACTIVIGTIES BY AMERICAN EXPRESS 1. Violation of the Fair Credit ACT for changing the address on the accounts without my authorized request to do so- Amex learned about my address by filing a complaint with the Consumer Financial Protection Bureau in which I had to list my home address. I will send you such false claim they have made when I never put any verbal request or written request for change of address. 
2. Violation of the Fair Debt Collection Practice Act, FDCPA since they are passing a business debt as a consumer debt by using deceptive practices to collect a business debt. FDCPA only deals with consumer debts, thus unclear why a business debt is being attempted to be collected as if it was a consumer debt. 
3. Breach of contract -since the application was taken under a business name with business tax ID and I was the signor. As the signor, I never signed any separate agreement to agree to pay the debt of the business which is a corporation in case of the corporation defaults on paying its debts. As you know, Paying the Debt of another is contract that needs to be in writing and in absence of such written agreement, I can not be responsible for the debt of the corporation which is a person other than me, the signor. This would only if the business was a sole proprietorship where the business and the owner are the same person. The business is governed by Corporate Law where an officer of a corporation is not responsible for the debt of the corporation, unless this officer signed an agreement to guarantee the debt. Thus asking Amex to produce such agreement will be impossible to produce since it does not exist.

4. When I asked Amex to validate the debt, they sent me 1 a letter on a grey scale sheet which suggests to me the letters were doctored with the wrong date since both card was issued in XXXX respectively and not in XXXX as suggested by the letter. 
American Express assumes that I do not understand the law and their bogus letters mean anything when debt can be validated by producing a copy of the signed credit card applications and the credit card agreement signed credit card agreement. They refused to produce such documents as they will show that the application was under the business name and Tax ID and not under my personal name and Tax ID and the credit card agreements were business credit card agreements and not personal credit card agreements. So, you have unethical employees who work in recovery using underhanded tactics to collect illegitimate debt not owed by me personally. Regardless Amex senior management knows what is going on or not does not matter since these employees are the face of American Express and whatever they do bind Amex. 

How I want this to resolve is to have the Amex debt of XXXX dollars removed from my personal credit reports with XXXX immediately within 15 days and to immediately remove the account.
Product: Bank account or service

By mistake I made a payment to a closed credit card account. The closed account is U.S. Bank account number XXXX XXXX XXXX XXXX. The overpayment was for {$400.00}. U.S. Bank will not refund the overpayment and I have asked 5 times on the phone and twice via a letter. Three ( 3 ) months and no money.
Product: Debt collection

I pulled a copy my my credit report and i noticed a collection account that's not mine. I asked the company to verify the account according to the FDCPA and to send documentation of the account showing any contract or signed document and they sent a bill or summary inwhich that is not a Validation of Debt. 

Company Name : CCS COLLECTIONS # 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 listed below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing yet again to the CFPB as there are numerous inaccuracies on my XXXX, XXXX and Equifax credit reports. These agencies have never had written permission from me to furnish a credit report on me, and when I ask for validation and verification of the items I know are inaccurate, I do not receive the the information these agencies are required by law to provide to me, perhaps because they never received my written permission to report anything. As these agencies, the banks who report to them and the CFPB are all under the same parent corporation unbeknownst to most consumers, my rights as a consumer that are protected by Federal laws that these agencies must adhere to are continually violated in favor of these agencies ' ongoing collusion and racketeering at my and many other consumers ' expense.

15 US Code 1681 ( d ) 2, ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control ; or ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons ; I require the immediate removal of the accounts furnished by XXXX XXXX XXXX XXXX XXXX XXXXXXXX on all three of my credit reports as despite my many many complaints that neither the agencies nor these banks had my written permission to furnish any information about me to anyone else ( violation of privacy ), the consumer reporting agencies XXXX, Equifax and XXXX are owned by these very banks! Furthermore, the information reported is totally and completely inaccurate and XXXX XXXX XXXX XXXX XXXX XXXX are fully aware that these accounts were discharged in full, on time and as agreed in the same specie of money/currency as they exchanged with the Federal Reserve Bank on my behalf. Where are my original promissory notes that they clam to have 'charged off '? They can not provide them as they were exchanged dollar for dollar, therefore as I also discharged the debt AND they exchanged my note for at least XXXX to XXXX x the amount of my promissory note, they have gained considerably and their 'charge off " is fraudulent. Also, I have not received a 1099-C from either of these banks as required by the IRS and as this is income to me if their claim is supposedly accurate from their continued reporting of it, this is income to me and not reportable on any consumer credit report ( IRS 4681 )
Product: Mortgage

Since Green Tree sold to Ditech in XXXX XXXX, it has been a nightmare to deal with Ditech Financial LL. We have an automatic payment set up through our bank and we 've also made XXXX payments on Ditech 's website. According to their own records, we do n't have a payment due until XXXX XXXX, XXXX. 
Their debt collector has been sending us letters. We do n't want their incompetence resulting in an adverse effect on our credit scores.
Product: Credit reporting or other personal consumer reports

XXXX These lenders have accessed your credit file : XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX  XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute multiple unauthorized accounts and inquiries that appear on my credit report. According to the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), I am entitled to dispute any information that I believe to be inaccurate or incomplete. Using an EOSCAR SYSYEM IS FAULTY AND SHOULD NOT BE CONSIDERED A THOROUGH INVESTIGATION AND I AM AWARE THIS IS WHATS HAPPENING! Credit bureaus are obviously failing to investigate when Im providing documentation of my true identity and false names are still being reported which is NOT my name. The addresses and names for each credit bureau should match. I have identified the following accounts and inquiries on my credit report that I did not authorize or provide written consent for and have not been properly investigated Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XXXX XXXX to remove these items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days after XX/XX/2023. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$37000.00} ; XXXX XXXX.
Product: Debt collection

Radius Global Solutions showed up on my credit report when I don't owe them money. I never received notice from them about this debt in question.
Product: Checking or savings account

I checked my bank account with wells fargo and seen that my account has been overdrawn unauthorize transactions has made into my account i contacted WELLS FARGO several times about this incident and that it be refunded back to me. They never responded back to the request I sent over to them
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please update these items. 

XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I applied to recast my loan with Nationstar mortgage. I completed all the forms and have a copy of my new monthly payment. Nationstar appeared to have applied the money towards the principal instead of recasting the loan thus my monthly payment has not been lowered. The customer service supervisor told me it was a different department and could do nothing, she gave me an e mail address and told me to try that. I am still waiting for a response. In the meantime I am getting calls stating my payment is over due even though I am current and up to date.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX submitting yet another CFPB complaint to request that the Credit Bureaus remove the following disputed accounts and information completely from my Credit Report. It has been drawn out into the open that the Credit Reporting Agencies 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 the Credit Bureaus 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. I need the following items deleted completely from my Credit Report : XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ID XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXXXXXX XXXX XXXXXXXX XXXX Balance Owed : {$0.00}
Product: Checking or savings account

I hope that you can help me with my issue with Chase Bank. I received the e-mail from Chase on XX/XX/2019. The ad says open a Sapphire Checking account and enjoy XXXX Chase ultimate rewards bonus points and since i travelled a lot it is very enticing to me. I went ahead and open the Sapphire Checking account online ( direct link from the e-mail around XX/XX/XXXX and by XX/XX/2019 I was able to complete their requirement of {$75000.00} total deposit in the account. Per the flyer they will credit me the XXXX points after 45 days of completing the deposit requirement. I called the bank after 45 days cause i don't see it being credited to my account and they said that I mis-read it and it should be after 90 days. I went ahead and just honor what they said and waited another 45 days to get the points. I have been checking my online account and nothing is happening and its been more than 90 days. I went ahead and call the customer service again sometime around beginning of XX/XX/XXXX and I was passed on to different people until I was referred to the Sapphire Checking specialist. He said that there was no code loaded in the account when it was opened therefore they can not do anything. Please note that i opened the account from the link they provided in the e-mail and it specifically stated that " your coupon will be applied automatically ''. I asked to be referred to the manager but he won't transfer me but he said he will put a note on the system to call me. He also suggested to go to the local branch and they maybe able to help me out. I never got a call nor an e-mail from the manager so I went ahead and went to the branch at XXXX XXXX on XX/XX/XXXX. I spoke with a representative and I also showed him a copy of the e-mail I received and he called some people and was not able to help me either so I asked for the manager. At first he was hesitant to refer me to the manager bragging that he knows everything and that the manager will say the same thing anyways. Finally after telling him that I will close my account he went ahead and call the Acting Manager that day. She was very sympathetic and understand my situation but can not take any action because she has to escalate it to the proper branch. She promised to call me back by Monday, XX/XX/XXXX. She called me and left a message that Monday or Tuesday to tell me that she needs more time. I left her a voicemail to update me by e-mail because I will be out for 3 week going outside the country. I got an e-mail from a manager but not sure if the same branch but did not give me any resolution to the issue. When I got back I went ahead and went to the branch ( XX/XX/XXXX ) and of course there is no manager to talk to. The person I spoke with said the same thing again that the account was not coded. I'm not really sure if they work on it or not but I'm really mad and fed up and i just closed the account. At this point I don't want to waste the interest I could have earned from that money to the bank.
Product: Checking or savings account

My Aunt, XXXX XXXX XXXX, designated me as POD on a CD. She passed away on XX/XX/2022. When submitting the death certificate to Bank of America along with their paperwork they told me that I am not on as a POD. They said that when my father became the POA on the account I was removed from POD by BOA not the POA. They specifically said that " the POA did not remove me. '' BOA removed me as POD on this CD and refuses to communicate with me about the details to resolve the issue. My father was the POA for my aunt. He has told me time and time again that he never removed me as POD and would never violate my Aunt 's wishes for this CD
Product: Credit reporting, credit repair services, or other personal consumer reports

I Have Asked Equifax, XXXX XXXX XXXX to re-investigate the information on my credit report and I know the information is incorrect but they all reported back to me that they verified the information on my credit report. So I am here today to report information that has not been fixed and would like to remove all accounts and negative items on my credit report. 

1

5 U.S.C 1681i States that I have the right to ask for a Reinvestigation ( a ) Reinvestigations of disputed information ( 1 ) Reinvestigation required Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file. ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to start a business a few months ago therefore I needed to get all my credit reports together. When i started to look into more detail, there were many errors which I was able to fix online. They even had my name spelled wrong. When i looked at the hard inquiries, I was shocked to see that there were some companies I had no idea who they were. They are 2 companies that have hard inquiries on the same day. So i tried to dispute these and I could not. I called the number that it asked you to call only to told that there is nothing they can do and that I have to call the company. which shocked me because I always thought via The Fair Credit Reporting Act ( FCRA ) requires the credit bureaus ( Experian, XXXX and XXXX  ) to inform consumers when a creditor or other business entity performs a hard inquiry, or " hard pull, '' on your credit report. I was not informed of any of this so placed a fraud alert on all three bureaus. So i talked to Experian and they did remove one but refused to do the rest. I called XXXX and told them of the inquiries and they are reporting a " derogatory '' account with XXXX  and he was so rude to me. I have been banking with them for over 15 years, I have had a mortgage and personal and just opened my business bank account with XXXX and he said " it didn't matter that i had a history with XXXX, there is nothing he could do about it ''. I was absolutely stunned at his response after my families banking relationship i have with our local store. You can look at my record and dee that I am not a liar nor would I make this up. Now because of the reaction i got from XXXX, I will not call anyone else regarding this matter. You will clearly be able to see that there has been fraud on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of XXXX, Equifax announced it experienced a data breach and my personal information was stolen. As a victim of Identity Theft, my social security number, home address, phone number, and email was stolen and then used to obtain credit cards, car loans, and other additional loans in my name. My life has been ruined and I need help. I've reached out to the credit bureaus but received little assistance. I submitted a letter XX/XX/XXXX to Equifax, XXXX, and XXXX  but not haven't got a response. According to Section 6 ( a ) failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been more than 60 days with no response. I demand all horrific inquires, collection item, closed accounts, and previous addresses to be removed or I will file for litigation due to the stress you have caused. That is not me. Please see the attached document of the letter I sent to the credit bureaus and the Equifax Data Breach Settlement given to me by Equifax credit bureaus. Please take off inquires, collection item, closed accounts, and previous addresses. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to get my free annual credit report and dispute items, I recently disputed some item on the XXXX XXXX site. than I received an email that stated my dispute was investigated and the confirmation number to see what was the outcome, everytime I try to log in with that confirmation number their site sends a message stating that its unavailable. this happens everytime. Also when I try to get my report it states that I have already received a report which in fact I haven't received my annual credit report from Equifax only can I see my report on XXXX XXXX. 

XXXX website is always unavailable and then tell me that I have received my annual credit report.
Product: Credit reporting or other personal consumer reports

Hello, I did not give permissible purpose, and written instructions from the consumer were not provided, and there was no credit transactions with a consumer, and employment purposes with written authorization from a consumer were not provided, insurance underwriting purposes, tenant screening, and national security investigations.

Please delete the inquiry from my consumer report. 

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

The information is not information relating to any transaction by the consumer/creditor. I've been a victim of identity theft and did not make the charge. The accounts listed should be blocked, removed and suppressed for these are fraudulent and inaccurate. Fraudulent Accounts : XXXX XXXX XXXXXXXX XX/XX/XXXX {$65000.00}, XXXX XXXX XXXX XX/XX/XXXX {$93000.00}. Inquiries : XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX  XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX.