23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I opened an account with XXXX and applied for there XXXX CARD which is essentially with Syncrony Bank ( GE Capital ). A few months ago I purchased a cell phone from XXXX and had nothing but issues with it, Returned it under XXXX 's no questions asked policy. Due to poor communication the return became a dispute, immediately afterwards within a day I notice my available credit is reduced by syncrony, and found others have similar experiences of having there credit reduced or accounts closed for simply excercising XXXX 's return policy. I had always paid on time, and often paid 30 % or more of the balance. Never paid late. Yet the action taken by syncrony has damaged my credit rating and all I did was pay on time. I have paid off my balance and want them to reverse the previous limit reduction, and then close my account so that my credit score is restored to what it should be.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft.. CFPB step and remove the alleged accounts 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

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. 

Account Name XXXX XXXX XXXXXXXX Account NumberXXXX Account Name : XXXX Account NumberXXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

1

5 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 ) ( 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

XXXX  has committed multiple FCRA and FDCPA violations by reporting multiple alleged, invalidated debts in their system for my consumer report dated as of XX/XX/XXXX. I have sent documentation showing proof of these inaccurate accounts that they have listed along with proof of XXXX violations multiple times via regular mail and via electronically. XXXX has responded by blatantly lying when they responded via a notice to me via mail stating that they could not locate my consumer file in their database. 

This is not true as I have spoken to them via phone on multiple dates including XX/XX/XXXX at XXXX, XX/XX/XXXX at XXXX and on both calls, a XXXX representative was able to locate my consumer file in their database. XXXX also lied in their response to both of my previous CFPB complaints when they stated that their were filing disputes regarding the documentation that I submitted to them. They have completely ignored my requests to remove all of these inaccurate accounts and are ignoring my CFPB complaints for resolution as well. 

XXXX  was already in violation specifically of 15 USC 1681, 15 USC 1692, and 15 USC 6802. But now they are also in direct violation of 15 USC 6821 as they know that they are intentionally disclosing false, fictitious, and fraudulent information in their database with respect to them continuing to report the following accounts : The XXXX XXXX XXXX Derogatory / Collection / Charge-off XXXX XXXX - Derogatory / Collection / Charge-off XXXX XXXX Derogatory / Collection / Charge-off XXXX XXXX - Derogatory Chapter XXXX & XXXX Bankruptcy Public Records
Product: Credit reporting, credit repair services, or other personal consumer reports

I had inquiries I didn't recognize on my report when I called Equifax they didn't pick up and when I finally get through I got passed around ... no one at equifax wants to take has helped. I have sent in an identity theft report and Police report and nothing was done.
Product: Money transfer, virtual currency, or money service

Due to the many violations and illegal practices I wont let happen to me, I have entered more complaints than one may like. You guys keep allowing companies to duplicate complaints as if they fixed the problem the first time. A person will not keep complaining if the problem got fixed. In this case the problem has never gotten fixed. Therefore, Navy federal continues to commit more fraudulent activities on my closed account, How is that possible? How is it possible for navy federal to transfer money to a charged off account? Navy Federal has done many things concerning my account without my knowledge or consent. I was not told my account was not accessible. I was not aware of the illegal credit transfers that have continued to happen. Even after sending a letter to rescind, also a letter explaining my unaware decision I made concerning this contract which under law trumps the entire agreement. It is illegal for Navy federal to have their members thinking there are no funds in there account, their account has been terminated. Behind the scenes Navy Federal has been transferring frozen for over a year now. How is that I work for my money and Navy federal agents can lock me out of my account and steal my money? I have gotten behind on bills, I have had to sell many items just so that I can survive. While Navy federal uses my money in my account to satisfy their cooperate needs! It is illegal for a closed charged off account to still have activity. Better yet, they enclosed the money is going to credit, where and how is the balance getting decreased? This is the main reason why this account has been flagged as fraudulent. Navy federal has yet to acknowledge that they misinformed me about where the loan actually came from. The loan was taken out of my name as if they were going to pay me back. I have not received a check from Navy federal from taking a loan out in my name. Furthermore, Navy federal led me to believe I no longer had an account with them all while still using my money and liying to the credit bureaus. They report to the bureaus that the account is still active and still being payed on. It seems like to me this proof that navy federal owns this debt. That is illegal i dont care. You cant take someones money not tell them and use it to your full advantage and i as the consumer does not receive any benefits from this situation. If anything this is tarnished my reputation! Its your job CFPB to stop these companies from running all over the consumer who in which has the rights. The bureaus are being gave false reports each month and no one is doing anything about it! I give the CFPB to collect evidence to support my claim.
Product: Credit reporting, credit repair services, or other personal consumer reports

removed connsumer statement and fraud alert without consent on credit report while chaging address to a Michigan address that no creditor is reporting. 

I reported a change of address to all creditors in XXXX, XXXX, XXXX, and added consumer statement with fraud alert inXX/XX/XXXX and that was deleted along with fraud alert.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed a copy of my credit report and XXXX XXXX XXXX XXXX XXXX XXXX XXXX ran an unauthorized credit inquiry on me on XXXX XXXX I never authorized such action and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. Please contact XXXX XXXX XXXX XXXX XXXX XXXX ) and investigate such occurrence. 

I am requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report. In addition, as part of your investigation, please send the names, business address and phone numbers of those who made unauthorized credit inquiries so I may contact them directly.
Product: Credit reporting or other personal consumer reports

To whom it may concern, My identity was leaked in the Equifax data breach. The thiefs were able to open several accounts, including utilities, Bank accounts, and credit cards. I have reached out to each merchant to get this issue resolved including contacting the fraud department. According to the ( FCRA ) section 1681 ( a ) ,1681 ( b ) ,1681g ( a ) its my right to Accuracy, FairneXXXX, and the Privacy of personal information.
Product: Credit reporting

I complained on how the information has been re-reported. I have paid off or brought current all items on my credit report with the exception of XXXX ( in the amount of $ XXXX.my car payment is current, my student loans are current. I have tried repeatedly to have my information updated correctly. I understand that things can be reported up to 7years, my problem is, when I dispute an item the company will report the " account '' as paid, but the " lasted '' reporting is still reported as " collections and so is the " payment '' history. I would just like everything updated correctly to reflect these account were in fact paid. reguardless of previous reporting.
Product: Mortgage

This is a XXXX complaint against PHH mortgage. Every year they fail to update insurance on their file. This year we have same insurance as we had last year. PHH Asked to send updated policy. We did. PHH asked to supply document that shows our personal names on the policy. We did. WE received email and mail once again that they are unable to update our insurance. PHH purchased our loan from XXXX XXXX. I have loans in few different banks, so we can compare multiple mortgage companies. PHH is the only company that tried to defraud us every year trying to charge us for fake insurance because they are " unable '' to update our insurance. I am sure we are not the only customers with this issue, We are asking to audit PHH for fraudulent practices and they shouldn't be able to carry commercial landing license. All our insurance policies are in effect and all information was provided on timely manner to PHH
Product: Credit card or prepaid card

On XXXX/XXXX/XXXX, I requested my due date be changed to at least the XXXX of each month. I enrolled in a debt management company that would collect funds from my account on the XXXX of each month and distribute to the creditors I owed. I received confirmation on XXXX/XXXX/XXXX that the payment due date and cycle dates had been changed and my next payment due date would be XXXX/XXXX/XXXX. I had hoped my XXXX statement ( received on XXXX/XXXX/XXXX ) would reflect that my due date was at least XXXX/XXXX/XXXX, but it showed XXXX/XXXX/XXXX, which I knew would not be enough time for the debt management company to send payment on time, but I figured the account would be current by XXXX/XXXX/XXXX since by then they would have received at least 2 payments from the debt management company. 

On XXXX/XXXX/XXXX, I received a second billing statement with a payment due date of XXXX/XXXX/XXXX, despite having received a XXXX bill already on XXXX/XXXX/XXXX with a payment due date of XXXX/XXXX/XXXX. I contacted the company and they advised that because I changed my due date, it was normal to be billed 2 weeks later and have another payment due, despite being told my next payment would not be until XXXX. The company said there was nothing they could do as there were no fees to waive. I let them know I would be filing a CFPB complaint because this does n't seem to be correct and they still did n't take any action. I have changed the due dates on nearly all of my cards to work with this debt management company, and this is the ONLY one that has issued a statement twice in one month. 

Because of how they double billed me in one month, my account is showing past due, which could jeopardize my standing in the debt management program and further negatively affect my credit. I should not have received a second bill in XXXX and this appears to be an error on their part that they are refusing to resolve. I have in writing what the next bill date will be and when my cycle would end from the representative who adjusted my due date and they refuse to honor it. This was stated by the second representative I talked to because the first assured me that my account was n't even past due- despite me clearly seeing online that the account was past due. It was only after I pushed her to review my account that she eventually escalated me to another representative. I know this is an unusual situation but I do n't think they fully understand what is happening and the billing error on their side.
Product: Checking or savings account

Chime closed my savings account without notice. 

I reached out to their support team and the support phone numbers and was met with no help. I was given no reason for the account closure and no options to recover. My funds were locked and unable to complete pre-arranged payments even affecting my mortgage. 

When I mentioned I was left in a dire situation and my XXXX XXXX was affected because of distress, the customer support did not offer any help. 

I still do not know why my account was closed.
Product: Credit card

In XXXX I opened a company. I had a business checking and savings account with Chase. The business began to make money. Chase offered me a business credit card - just sign here. So I opened card ending in XXXX. There was no attempt to advise me that this business account could - on certain occasion - impact my personal credit history. The business card was reported to TIN XXXX. 

The business held the card from XXXX until the business closed until XXXX. ( See final return ). However I continued to personally pay off the balance of the card after I had moved from XXXX, where the business was domiciled, to XXXX in XXXX. Chase Bank sent promotional offers to my new address. I also received some old business mail, which was forwarded to my new address as well as junk business mail. 

XX/XX/XXXX I was notified by the bank that my payment on card XXXX was 30 days late. The business card which had never been reported on my credit history, all of a sudden appeared on my personal credit report. I had no idea what was going on, just that my score had dropped and this was very damaging. 

I immediately called Chase business services. The Chase Business Services Representative told me that if I paid the balance by XXXX XXXX this would not affect my credit and would not move to a new department which I assumed to mean Collections. He told me that the only instance in which the negative ding could remain on me personal credit history is if the account goes into default. The account was paid in full by the end of the month. See attached copies of confirmation of payment, confirmation of XXXX balance and confirmation of business and not personal account letters from Chase Bank. I have also included the credit reports from the agencies that have failed to delete this entry from my credit report. XXXX has deleted the closed business card ending in XXXX. Unfortunately XXXX and XXXX have not removed this disputed reporting. 

I believe Chase Bank employed several unfair and deceitful practices on me. They failed to advise me of credit risk before accepting their business credit card. They further obfuscated the risk by never reporting the business card on my credit history - leaving me totally unaware of the risks involved. They misadvised me to pay off the card. They flout the law, which only calls for a business card to be reported in the event of a default. I paid the balance of the card off in 2 months. By law, this should have been deleted, as I have requested numerous times. 

I would like to file a report against Chase Bank as well as XXXX and XXXX to have this closed business card removed from my personal credit history. It was never there before and does n't belong here now, especially since it was closed and the balanced paid to XXXX in XX/XX/XXXX.
Product: Debt collection

I keep receiving calls from a debt collector saying i took out a payday loan and that i need to pay the debt back. I have taken out a pay day loan before but i contacted that company directly and they has no issues with my account and they told me that the calls i 've been receiving are scammers trying to get money from me. The supposed debt collector will not provide me with any information on the debt they are trying to collect. As soon as i start to ask questions they hang up on me or threaten me with a law suit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax mishandled my personal information and put me at risk of identity theft.
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat this item is being reported correctly? Who verified this item? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA. Since you claim youve verified the item listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ITEM? I believe you have not verified this item based on Section 609 ( a ) (
1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. XXXX XXXX XXXX
Product: Debt collection

This company is claiming an alleged debt is owed by me. I have never done business with this company and I am requesting validation. I am attaching the letter that I sent to the company requesting that the send ALL the proper documentation that proves they have ownership, that i signed a contract with them to do business with them resulting in this transaction and that any debt is owed to them. I am also requesting that they respond again with all the documentation that is being requested from them.
Product: Credit reporting or other personal consumer reports

account ending in XXXX XXXX XXXXl was not deleted after the original creditor XXXXXXXX XXXX  requested in 2020 this account be deleted from XXXX, Equifax, and XXXX.
Product: Credit reporting or other personal consumer reports

I have previously disputed A XXXX Bankruptcy that is on my Equifax Credit Report, and in response, Equifax verified the item as accurate, stating that Equifax has verified the information with the court or a 3rd party. 

I contacted the court, and their response is attached. 

It is clear the Court does not report to XXXX XXXX or any Credit Bureau for that matter ; therefore, Equifax 's initial response verifying the item with the court was either an error or a lie. 

Either way, the reporting requirements do not comply with FCRA 611 ( 15 U.S.C. 1681I ), and the information must be deleted immediately. 

In accordance with the Fair Credit Reporting act. The Bankruptcy listed below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX BANKRUPTCY/Reference XXXX 15 U.S.C 1681 section 602A. States I have the right to privacy. 

And according to 15 USC 1681eb Equifax is supposed to ensure this.

Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

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 or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX and Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : LIST OF ITEMS TO BE REMOVED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/year> These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I identified items on my credit report that are the result of identity theft, as I did not initiate, authorize or give consent for my information to be used to create them. I have sent the Identity theft report, proof of residency, government issued ID, and a letter identifying each item. There are still items remaining on my credit report that should be removed by now. These documants were received by Experian on XX/XX/XXXX. So, by law they should have been removed in 4 days which would have been XX/XX/XXXX. Today is XX/XX/XXXX and most of them are still on my credit report. 

I will be including the tracking data from the certified mail tracking number associated with this matter