23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Central Portfolio Control keeps calling my cell phone, just leaving a name and the company name and to call them back at XXXX. It is different that the number they call me from which is XXXX. I did an online search for Central Portfolio Control and it looks like they are a real company for debt collection. I do not have any outstanding debt. I run credit reports XXXX4 times a year and have alerts set up on my credit. I do not have any oustanding debt that is not up to date and in good standing. SO, I am unwilling to call this organization back and even give them a chance to talk as I see it as being a fraud. Also, they call my cell phone, not home phone which I find strange. I want them to stop calling. I have not had any original company call me and requesting payment on anything, and as I mentioned, I do not have anything that is in collections.
Product: Checking or savings account

On or about XX/XX/2021, to JP Morgan Chase & Co. credit, notified me via text of a potential fraudulent charge ( see attached text messages ). The text prompted me to respond Yes if it was a legitimate charge or No if it was not legitimate. I responded No and received a message thanking me and advising that my card was closed and I would receiving a replacement card. In spite of having notified JP Morgan that the charge was fraudulent, JP Morgan proceeded to allow additional similar ( almost identical ) charges to the point my account was left with no funds. 

The response from JP Morgans fraud department to my claim was very generic. Essentially stating that I authorized the charges. Based on the CFPBs XX/XX/2021, updated guidance, unauthorized efts include those transactions resulting from consumers being fraudulently induced into knowingly providing account access to bad actors. I was a victim in this case. 

After the initial response, an attorney agreed to write a demand letter free of charge, as I can not afford a retainer to recover funds that are less than a retainer. The response in response to the demand letter now states that the bank emailed me and that I supposedly authorized the charges via email. I have no emails, this was done by text message.
Product: Credit reporting or other personal consumer reports

I have recently pulled my consumer report and I have found numerous inaccurate and unauthorized reporting from XXXX XXXX XXXX BANK to credit bureaus which is a complete violation of the Fair Credit Reporting Act and the Privacy Act of 1974! The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. According to 15 USC 6802 Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section XXXX of this title. XXXX XXXX XXXX XXXX  is continuing to report negative items on my consumer report. XXXX XXXX is committing securities fraud and theft. XXXX XXXX has threatened, harassed, and even attempted to extort me for this alleged I debt they claim I owe them. XXXX XXXX XXXX XXXX  is reporting as a charge off on my consumer and they are still claiming I owe a debt. How is this accurate if a charge off is considered income? When it comes time for XXXX XXXX XXXX XXXX  to do their quarterly taxes, they're going to report the charge off as income and receive a tax deduction. By law you can't attempt to collect on a debt that has already been paid! That is THEFT! Not only that, XXXX XXXX XXXX XXXX, has a continues to sell this alleged debt along with MY NONPUBLIC information to collection agencies WITHOUT MY WRITTEN, OR VERBAL CONSENT. I pulled XXXX XXXX XXXX XXXX, SEC filings, more specifically the XXXX and XXXX, with in SEC filed Prospectus, and Trust Indenture Forms. In the forms forms state XXXX XXXX XXXX XXXX, is securitizing card loan agreements as asset backed securities and capitalizing off of it by trading and putting these loans in a pool and selling them on the secondary market. I also stated in my letter for XXXX XXXX to the immediately notify all credit bureaus that the account is PAID AS AGREED. In the letter, I also stated that I was aware of the fraud and theft that XXXX XXXX XXXX XXXX  is committing and that I am putting them on notice because I will be filing complaints with the SEC, XXXX, IRS, and further legal action. XXXX XXXX XXXX XXXX  has refused to remove and is continuing to report negatively on my consumer report! I demand my account be updated PAID AS AGREED immediately Or at receipt of notice to we Opt out of all reporting on any account by the holder per 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Transunion are incorrectly reporting an account where I am shown as an Authorized User on XXXX - partial account number XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item needs to be removed from my credit report. I have contacted the two bureaus to fix this issue, however I have not been successful.
Product: Credit reporting or other personal consumer reports

I opened a Chase Bank " United Quest Card '' in early XXXX. Shortly after, Chase claims to have sent me 2 letters in the mail requesting my authorization to verify my social security number. I never received 1 of them and the other I got when I returned home from overseas. I responded to the letter by having a branch manager fax the signed letter. Shortly after I got another letter explaining that the Quest Card was closed, since Chase had not had any response from me. Chase claims to have never received anything from me and proceeded in closing all of my personal Chase Credit cards. Then, I mailed them a second copy of the letter. I followed up with Chase and they claim to have never received that letter as well. Chase then told me these credit cards are closed and no longer eligible for dispute. Then, I decided to apply for " new credit cards '' the Chase credit cards they had closed. 
Through this process Chase requested my credit report through the bureaus on : XXXX XXXX XXXX XXXX Chase should have contacted me directly, communicated with me and instead kept requesting credit reports only to deny the replacement cards. These requests, for reports, have now been a hinderance in me getting replacement cards from other banks. I have been a Chase customer for well over 20 years and have an excellent credit score of XXXX. The only reasons Chase gives me is that it is their " policy '' and further push the blame to the " government rules '' they need to abide by.
Product: Credit reporting, credit repair services, or other personal consumer reports

This not a error. I'm a consumer by law and my information was misused and now i have false not 100 % accurate accounts on my report. Unauthorized use of my credit report. 



PLEASE SEE ALL ATTACH DOCUMENTS BELOW
Product: Credit reporting or other personal consumer reports

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

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. 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 a 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 ) ( a ) 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. 
Delete the accounts below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

After looking over my credit report. I as of late received a duplicate of my credit report from the credit reporting agency. Which by the way is self proclaimed as being not only accurate and complete but also metro XXXX compliant in the verification of their consumer credit reporting as detailed in the description of XXXX ( their web based automated verification process ) Their exact XXXX  definition ( per http : XXXX XXXX is that " XXXX is a web based metro 2 compliant, automated system that enables data furnishers ( DFs ) and credit reporting agencies to create and respond to consumer credit ... ... '' Due to the reporting i noticed a late payment being reported by XXXX XXXX XXXX which I disputed with them on XXXX XXXX with tracking number XXXX in which they failed to comply and ignored my request after I disputed with the credit bureau and they failed to comply as well on an alleged DEROGATORY late payments DEFICIENT Of required proof of adequate federal reporting compliance namely metro 2 and the FCRA standards of reporting are certainly unlawful, unethical, and undoubtedly in clear infringement of my consumer and or civil court rights. Within the report I saw that there were late installments noted in the record history. Since I am somehow very defective in the matter as to HOW, WHEN, and WHY these late segments are notations within my credit worthiness! Puzzled! Left with no response that complies with metro 2. So I decided on enacting my rights to COMPEL, them as required to mandate the alleged data provider of the UNPROVEN derogatory suggestions of late payments to surrender to credit bureau as they surrendered to me an evaluation of my record throughout the life of the loan.
Product: Debt collection

Over the past one-two weeks, we have been receiving over four phone calls a day from Discover Financial at XXXX. When we pick up the phone all we hear is silence. Given who is calling and how they're calling, I assume they are trying to collect a debt via phone harassment. Nobody currently living in this household, using our number, owes any debt to them. I called them and told them to stop but they have not.
Product: Mortgage

I contacted the CFPB previously and the mortgage company in question admitted I was double charged for my appraisal fee at closing, but I should ask for the refund back from the appraiser. I do feel this is inappropriate at this point considering the appraiser has been unresponsive and it is no way of confirming the payment was actually given to the appraiser. Guaranteed Rate collected/deducted the payment at closing, and I am asking for this refund back. The loan modification for the tax credit check the previous owners was supposed to supply at closing was also never supplied and modified off the amount of the total of the home or supplied to me in the form of a check or credit in any sort. After my first complaint I made to this organization it was discovered one of the sellers XXXX XXXX is related to the realtor XXXX XXXX as mother and son and this is inappropriate and was not disclosed at any time. In fact this is against the XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The contract and settlement listed an address for XXXX XXXX that was a XXXX  XXXX XXXX XXXX I was not aware of til after this incident of me trying to serve them etc, finally the investigator/processor realized XXXX XXXX and XXXX XXXX were mother and son. The whole contract reeks a scam and Guaranteed Rate who re branded as Rate has still not refunded me any of my monies and attempted to stick me with extremely high interests on a home that the county has put in violation, and the other seller left city bills that also puts the occupancy permit in jeopardy. I have been forced to file suit on everyone involved and this is my second time asking the CFPB to help bring some relief to the consumer fraud and deception that has occurred. I will not let this go, respectfully. Also the first complaint has receipts and more contracts etc I am attaching mostly new documents. I am very upset about this. I will attempt to file the old papers I filed with the first application, and I will attempt to re open every complaint that was closed with this new evidence. Everyone need to be held accountable for their roles and parts. I am a XXXX veteran and they are attempting to bankrupt me and make me homeless, with a XXXX  child.
Product: Credit reporting 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

Experian is the only credit bureau that did not correct the problems in my account after I was a victim of identity fraud. I sent them a letter in XX/XX/2016 with the police report after someone tried to open over a dozen lines of credit in my name. As a result two of these fraudulent address were listed as my addresses and after over two years Experian has still not corrected it. When I saw recently that it was not removed I went through their web site and was given a number to call for dispute resolution. There was absolutely no way to speak to a person and the recording just disconnects if you don't select one of their paying services. I want these fraudulent address removed from my account. This company has set up their systems so that it is frustrating to correct things and they are hoping people will give up. Well I won't.
Product: Checking or savings account

I am an attorney who has practiced law since XXXX. I maintain two accounts at PNC : XXXX XXXX and General accounts. PNC recently purchased BBVA. I banked with BBVA for over 20 years. During that 20 year period it was my usual business practice to electronically transfer monies from the XXXX XXXX to XXXX once I earned the money. Since PNC acquired BBVA they now prohibit electronic transfers of monies from my XXXX XXXX to XXXX. In order to effect the transfer of the monies I have earned to General in order to pay my bills including payroll, I must drive to the PNC branch with a paper check from the XXXX XXXX made payable to me and deposit it to General. This is a waste of time and resources for my firm. This has occurred on at lease three occasions since XXXX, most recently XX/XX/XXXX. 

I called PNC to challenge their practice and was told " this is our policy ''. There is no such prohibition by the Florida XXXX XXXX. PNC cites to no other legal authority for their practice. I believe that PNC is violating some banking rule or regulation with the implementation of this in-house policy and I want it to stop.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. Experian, XXXX and XXXX have violated my federally protected consumer right to privacy and confidentiality under 15 USC 1681.

According to the 15 U.S.C 1681 section 602 A. States i have the right to privacy. 

These addresses do not belong on my credit report : XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX NY XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX.
Product: Student loan

I 'm hoping somebody can please point me in the right direction regarding a problem I 'm having with Performant Recovery. I had federal student loans that were being collected by XXXX, I could not afford to pay them at the time and defaulted. In XXXX of XXXX, I spoke with XXXX XXXX and agreed to a nine month XXXX program with Performant Recovery for my defaulted federal student loans. Performant Recovery , Inc. is located at XXXX XXXX XXXX, XXXX, CA, XXXX. XXXX XXXX 's telephone number is XXXX. After making my ninth payment XXXX XXXX, XXXX, I realized that my loans should have been sold to or bought by another lender by now. I called XXXX XXXX. The collection agent on the phone verified that I 've, in fact, made all of my payments on time per the agreement. She puts me on hold and then tells me I must talk to a loan specialist and one will return my call within 72 hours. 72 hours comes and goes and no answer. 
I have been nothing but polite and cooperative during this process as I know how lucky I am to have be in a position to rehabe my loans. But now what? Nobody will return my calls. I have to make my payments. I want to make my payments. I will continue making my payments but I also want Performant to honor the contract to which we agreed. 

Sincerely, XXXX XXXX ( formerly XXXX XXXX )
Product: Credit reporting or other personal consumer reports

Accont # XXXX Nissan Motor Corporation Voilations of usc 1681a XXXX is reporting transaction history late payments to my credit report I XXXX XXXX XXXX has initiated arbitration with said company Correct account in positive standing
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Report act, AMERICAN NEIGHBORHOO via XXXXAMERICAN NEIGHBORHOOD, 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.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX Account Number -XXXX Whom It May Concern, I am in total disagreement with your investigation response. The incorrect items listed below still appear on my credit report, even after your investigation. I would like these items immediately re-investigated and for good cause. These inaccuracies are highly injurious to my credit rating.

Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, I demand that you provide actual proof the information was verified, not a computer generated confirmation.

Please provide : 1. The names and business addresses of each individual with whom you verified the information with above, so that I may follow up.

2. The date you contacted the individual funishers of information.

3. The method of communication you used to verify the information.

I would also like to know if the furnisher provided you with my SSN, address or DOB.

Please forward an updated credit report to me after you have completed your investigation and corrections. 
Your cooperation and prompt attention are required by law.
Product: Consumer Loan

I had XXXX accounts with Santander. Both have been paid off, but Santander continues to report an outstanding balance even though I have informed and disputed. Account XXXX was repossessed XX/XX/XXXX and I paid settled the charge off XXXX XXXX. I even filed with appropriate tax document earlier this year. XXXX was paid off over a year ago and I possess the title. I have attached all supporting documents. I can not understand why Santander refuses to report accurately to the credit reporting bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX hereby files a complaint to clear my name with two creditors that need to take an identity theft matter seriously. I have attached to this complaint copies of my original complaints on both creditors. The responsible party for this identity theft was my own father. I should not be penalized for his actions, and for that matter I did request copies of all original creditor contracts that were fraudulently signed with my name. I never received any credit cards from either creditor, and I never knew the accounts existed until I was notified that these credit cards were in default after they were maxed out on credit limits. It does not matter to me if this identity theft is turned over to the proper legal authorities, as what is important is that the truth must be exposed. 
Accordingly, all fraudulent accounts must be deleted from my credit reports permanently. I did receive notice on one of the deletion pages from XXXX, whereas XXXX XXXX stated that they reviewed the creditor documents, and that there was sufficient evidence showing that I was the signing party, and the person responsible for payment. This is a complete fabrication. Therefore, I have no choice but to file a complaint with XXXX as well as every credit reporting bureau that the investigation process mandated by the subscriber agreements signed by creditors is being ignored. Each creditor must comply under the Fair Credit Reporting Act and the Fair Debt Collection Practices Act under the subscriber agreement upon. Therefore, I file this complaint with the Consumer Financial Protection Bureau to fulfill the agreements between creditors and credit bureaus. 
All the complaints must be taken seriously, and my rights must be protected. All accounts must be deleted permanently from my credit bureaus, and I must be given notice that my name and social security number have been purged to avoid future collection activities, either by the creditors directly or any associated collection agencies. 
I will obtain legal counsel if necessary as these violations on my rights have caused me great financial harm as well as mental and physical problems. These accounts must be deleted permanently, and my name and social security number must be purged immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is not giving me point toward my credit for lowering my utilization and paying my bills on time for the last 9 months. They are inaccurately reporting information on my FICO credit report.
Product: Credit reporting or other personal consumer reports

It is against the law/ illegal to report transaction history pursuant to title 15 U.S.C . 1681b ( c ) & in violation of The Fair Credit Reporting Act ( FCRA ) - XXXX, XXXX, & Experian are reporting transaction history which is causing a negative image to be portrayed on me, the consumer. This is a defamation of my character & is preventing me my right to well-being, personal property & a pursuit to happiness.