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

This is my OTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 

XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX Balance : - XXXX XXXX Balance : XXXX XXXX  XXXX Balance : - XXXX  XXXX : - XXXX  XXXX XXXX Balance : {$300.00} XXXX XXXX XXXX Balance : {$17000.00} XXXX XXXX XXXX XXXX : {$700.00} XXXX  XXXX XXXX XXXX Balance XXXX {$770.00} XXXX XXXX Balance : {$120.00} XXXX XXXX XXXX XXXX Balance : $ XXXX XXXX XXXX XXXX : - XXXX  XXXX XXXX Balance : - XXXX XXXX  Original creditor : XXXX XXXXXXXX XXXX. XXXX : {$0.00} XXXX XXXX XXXX XXXX : {$730.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Original creditor XXXX XXXX : {$0.00} XXXX XXXX XXXX Original creditor XXXX XXXX XXXX XXXX Balance : $ XXXX XXXX  13-dismissed Filed on XXXX XXXX, XXXX Reference number : XXXX : XXXX XXXX XXXX  GA XXXX Bankruptcy XXXX XXXX XXXX on XX/XX/XXXX, XXXX number : XXXX XXXX : XXXX XXXX XXXX  GA XXXX Bankruptcy XXXX XXXX on XX/XX/XXXX Reference number : XXXX Court : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquiredon XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquiredon XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX  XXXX XXXX  Inquiredon XX/XX/XXXX XXXX  XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXXXXXX XXXXInquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXXnquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XXXX, XXXXXXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XXXX, XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX 2023
Product: Credit reporting or other personal consumer reports

TO WHOM IT MAY CONCERN : IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT, THIS CREDITOR HAS VIOLATED MY RIGHTS. 15 USC 1681 SECTION 602 STATES I HAVE THE RIGHT TO PRIVACY. 15 USC 1681 SECTION 604 UNDER A SECTION 2, IT ALSO STATES THAT A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. UNDER15 USC 1666B,. A CREDITOR MAY NOT TREAT A PAYMENT ON A CREDIT CARD ACCOUNT UNDER AN OPEN-END CONSUMER CREDIT PLAN FOR ANY PURPOSE. I HAVE NOT SUPPLIED PROOF UNDER THE DOCTRINE OF ESTOPPEL BY SILENCE, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX. I PRESUME THAT NO PROOF OF THE ALLEGED DEBT, NOR THEREFORE ANY SUCH DEBT, IN FACT THEREFORE EXISTS. I AM WRITING TO DISPUTE THE FOLLOWING INQUIRIES, COLLECTIONS AND DEROGATORY MARKS ( STATED BELOW ) ON MY ACCOUNT. I DID NOT APPLY FOR ANY FORM OF CREDIT ( S ) AND/OR ACCOUNTS PERTAINING TO ANY OF THE FOLLOWING COMPANIES STATED BELOW. PLEASE REMOVE SAID ACCOUNTS IMMEDIATELY UPON RECEIVING THIS LEGAL DOCUMENT. THE FOLLOWING ACCOUNT ( S ) ARE DOCUMENTED FOR IMMEDIATE REMOVAL : PERTAINING TO NON-MAILABLE ADDRESSESS : XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX MN XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX THE FOLLOWING ACCOUNT ( S ) ARE DOCUMENTED FOR IMMEDIATE REMOVAL : PERTAINING TO NON EMPLOYER IDENTIFIERS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX THE FOLLOWING ACCOUNT ( S ) ARE DOCUMENTED FOR IMMEDIATE REMOVAL : PERTAINING TO NON NAMES REPORTED IDENTIFIERS : XXXX XXXX XXXX XXXX XXXX XXXX PER THE FCRA , AS A FEDERALLY PROTECTED CONSUMER, I AM NOW OPTING OUT OF ANY AND ALL AUTHORIZATION I THE CONSUMER MAY HAVE GIVEN, YOU WRITTEN OR UNWRITTEN VERBAL AND NONVERBAL PER XXXX XXXX XXXX XXXX. DISREGARDING THE FOLLOWING INSTRUCTIONS IS A VIOLATION OF FEDERAL LAW AND WILL RESULT IN SUBSEQUENT COMPLAINTS FILED AND PROBABLE SECURITIES FRAUD PERSECUTION VIA THE FDIC.
Product: Checking or savings account

XXXX XXXX dollars was taken out of my account from a XXXX I have no clue who that is. Now my account is in the negative that amount chime bank will not return the money and zero out my account now my next direct deposit will be used to pay the over draft amount of XXXX dollars of which I did not make. And when I asked for paper work they refused to give me anything or to help me out and told me it will take 120 days to resolve and Im going to loose my paycheck due to this. They just keep transferring me and telling me they will not fix the issue. I need help getting my account XXXX balance. Before XXXX XXXX XXXX or I will lose my paycheck other wise I want my pay check refunded when the balance is covered.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX and transunion are reporting false information on my credit profile and I have them supporting documentation and they still wont remove the address
Product: Debt collection

Received notice of a collection on my credit report from Spring Oaks Capital LLC. I never received a notice to dispute this debt. I filed a dispute with XXXX on XX/XX/XXXX and received the results on XX/XX/XXXX stating that the debt was verified as accurate. Furthermore, this collection agency is not licensed to transact business in the state of Texas.
Product: Debt collection

I was alerted from my identity theft protection program that someone opened a Fortiva account ( Account ending in XXXX ) to pay for a XXXX XXXX XXXXXXXX XXXX. I reported the fraud to XXXX and filled out their ID Theft Affidavit. I never heard back and did not receive confirmation of them resolving the account. When I attempted to follow up on the status of the dispute, they would either refuse to help me or hang up on me. I am a victim of identity theft and this is not my debt. I pulled credit on XX/XX/21 and now see that they closed the credit line but they have not removed it from my credit report. I would like the debt and inquiry removed from my credit report.
Product: Debt collection

When calling the agency reporting on my credit I spoke to a rude man. He would yell over me and would not give me direct answers. He kept using tactics as go to a hospital and dont pay thats great. I advised him of a XXXX and XXXX I had but the debt has been paid. I wanted to verify what this was from. Instead of giving me the information he insisted they already gave me a discount and pay my bills. He was rude and threatening. I ask to speak to his manager and he stated there was no manager and would not allow me to speak with someone else. I later called and spoke to his manager. I gave my complaint about the employee but he insisted with the same behavior and tone. I felt as they were harassing me over the phone. They used terms like we gave you XXXX of dollars off I had the treatment done and pay the bill. Why do they have any right to make any statements regarding my personal medial Information or even form an opinion. They tried to scare me and make me think I better pay without questions. 

XXXX XXXX was said employee and XXXX XXXX was said manager. Phone number XXXX I called on XX/XX/21 and XX/XX/21 I am going on circles getting no where but harassed.
Product: Bank account or service

On Monday XX/XX/XXXX I tried to use my debit card to make a purchase and it was declined, I checked my account to find out why the transaction was declined and found out that my account was overdrawn. I called the XXXX on the back of my card and I was told there was a fraud hold on my account and was transferred to the fraud department, after holding for over 2 hours I was told the fraud department was closed and to call back the next day. On Tuesday I called back and the fraud department said they were NOT the ones who put the hold on my account. I went into a bank branch on Tuesday and I was told my account was frozen so as to carry out an investigation on suspicious activity. The bank was unable to give me specifics. They called the department on my behalf to find out what was going on and the person the bank agent spoke to was sent an email to give me and the department refused to speak with me after I asked to speak with them. My husband also checked his account after I told him what was going on with my account and realized he had a hold on his account as well. I have been calling the bank to at least release some of my funds to me so I am able to eat and buy gas but they have refused, leaving me stranded as I have NO money to spend.
Product: Credit reporting or other personal consumer reports

I have no idea of who these collectors are and when I call I get no response about who the debt is from just I owe money and they all refuse to remove anything from my credit report. Except XXXX company for a credit card I never had but they refused to investigate the matter just said I need to pay the debt even after letting them know it was fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX
Product: Mortgage

In XXXX Shellpoint activated foreclosure on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. In an earlier complaint, I requested the dates on which each foreclosure was rescinded. Shellpoint only addressed the XXXX foreclosure in their response. 

In addition, in XXXX, Shellpoint provided a package containing the documents mailed to the Borrower since the loan 's inception the communications about the XXXX and XXXX foreclosures were not included in the package.
Product: Checking or savings account

On several occasions I have been charged for subscriptions that I dont have. This is a monthly occurrence, and I cant contact customer support, so basically if I dont keep my card locked Ill get charged for subscriptions that I dont even have. I tried over and over to contact customer service and waited for emails, but I get no response.
Product: Mortgage

My loan was transferred to Loan Care. I received a letter sometime in late XX/XX/XXXX ( letter datedXX/XX/XXXX ) that my loan was being transferred. The transfer effective date wasXX/XX/XXXX. My XX/XX/XXXX payment was mailed and must have been lost and it never appeared. During this time we decided to sell our home and buy another. We did not find out about the payment issue until our current lender ( we have not closed yet due to this problem ) informed us that we had been reported being late 2 times for 30 days. How is this possible? We believe no late should have been reported. The transfer was handled very poorly and there should be some time allocated when a loan is transferred. I read in your website that they should not report me. We are now in limbo as the sale of our home has closed and we have paid the loan off on XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit karma said I was pre approved for a credit card and when I applied I was denied and sent an enquiry to my credit and reduce my credit score and they said it will not affect your credit but I'm stuck with enquires on my account and reduce my credit score.
Product: Credit reporting or other personal consumer reports

Please see attached correspondence, which is a more detailed complaint. 

I am submitting a complaint against American Express for violations of the Fair Credit Reporting Act ( FCRA ), specifically regarding the incorrect reporting of late payments on my account ending in XXXX. Despite my repeated requests for correction, American Express has failed to update my account status to " paid as agreed '' and continues to report inaccuracies. I am seeking damages for the emotional distress and financial impact caused by these errors and requesting immediate correction of my credit report to reflect accurate information.
Product: Debt collection

Synchrony Bank has corresponded with me through mail that my XXXX account is a result of id theft. Yet it is still on my credit report and they are continuously sending me small refund checks for this XXXX account. I want this debt removed from all of my credit reports immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

Santander Consumer USA Account Number : XXXX incorrectly reported as a charge off and repossession. FTC law and Federal Truth In Credit Reporting Disclosure Act protects my credit from any delinquency reporting after seven years. There should be no lates on my credit report for all open credit cards. I prepaid my account XXXX month in advance before any due dates for all opened accounts to avoid any future problems as a catalyst.
Product: Credit reporting or other personal consumer reports

Im filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.
Product: Debt collection

This is the second complaint I 've filed. the company is  Constar Financial . They continue to call on a student loan debt of my daughter 's. My daughter does not live at my home or telephone number, yet they continue to call. I 've told them to stop calling. The most recent call was  X/XX/2017   . The caller said her name was  XXXX   XXXX . When I told her to take my number off the call list she became agitated and said " You do n't have to be nasty! '' I told her I 'm not being nasty but I want my number off their call list and said I would file a complaint with the CFBP.
Product: Debt collection

ftc report number XXXX for identity theft. company refuse to remove from my consumer report violating my consumer rightsXXXX XXXX XXXX original creditor ( XXXX XXXX ). charge me {$160.00} without proof of ownership of account. it does not meet the XXXX points of compliance, fair credit act. infornation is inaccurate and must be removed from all credit agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

I dispute XXXX XXXX XXXX account for payment history. The payment history is incorrect for XXXX XXXX XXXX account. I am requesting that this item is deleted on my credit report.
Product: Credit card or prepaid card

I have a Chase XXXX Rewards card that has been in good standing. This card has had varying balances since I opened the card. I recently made a large payment of {$3500.00}. My total credit line was {$4000.00}. That left my account with a balance of apx. {$600.00}. Almost immediately after making this payment I get a letter stating that my credit limit has been reduced to {$900.00}. This takes my utlization of this card from 15 % to 80 %. This is ridiculous. I have not had a late payment with them or any other card on my portfolio and I have recently paid off over {$9000.00} in credit card debt. All of the reasons stated in this letter are false. I have called several times to get this looked at and customer service keeps telling me to call back another day. I was inquiring with them why I would make such a large payment only to have my credit line decreased when I have never been in default. This is ridiculous and now they keep saying to call back in two days ect.
Product: Credit card

I reported unauthorized transactions to chase a few weeks ago because my card was lost along with my wallet and ID. Several other credit cards were impacted by this incident. I received a letter through chase messages stating my credit Line was decreasing SIGNIFICANTLY BY 95 % percent! My original credit limit was XXXX when I initially opened the card. I have always paid my balances and made my payments on time. Im a single mother and use this card for emergency purposes! I depend on this card knowing I can use it if I ever have an emergency. I have good payment history! I have never had any other company decrease my credit limit so significantly! I believe chase took this adverse action because I Reported unauthorized transactions otherwise this would not have happened. I do not have any other credit cards with this low of a credit limit. I also keep My credit usage low. I have good credit history and a good credit score. This was an adverse action taken by chase.
Product: Credit reporting or other personal consumer reports

I am writing to file a complaint against XXXX XXXX and XXXX XXXX XXXX ( CRAs ) Experian, XXXX, and XXXX for violations of my consumer rights under the Fair Credit Reporting Act ( FCRA ). Specifically, these entities have breached the following federal laws : 15 USC 1681b ( 2 ) : Unauthorized access to my credit report. 15 USC 1681s-2 : Furnishing inaccurate information and failing to correct and update information. 15 USC 1681b ( 3 ) : Improper use of consumer reports for adverse actions without proper notification. 15 USC 1681a ( d ) 2 ( A ) ( i ) : Consumer reports do not include information solely about transactions or experiences between the consumer and the person making the report. Late payments and utilizations are considered transactions and experiences and should be deleted. Additionally, charge-off accounts should be excluded from my consumer report pursuant to IRS rules and guidelines, as they are considered ordinary income and income is not reported on consumer reports. These violations have negatively impacted my creditworthiness and financial stability. I urge the CFPB to investigate these infractions and ensure compliance with federal laws to protect consumers like myself. Additionally, credit scoring models like XXXX and XXXX are proprietary tools and algorithms used by lenders to assess creditworthiness and determine credit terms, but they are not factors outlined in the consumer report or governed by federal consumer protection laws, which take precedence over individual bank guidelines. I rely on the CFPB to enforce federal consumer protection laws and regulations ensuring the credit reporting practices, including those used by lenders adhere to established guidelines and do not override the protections afforded to consumers under federal law. ACCT NUMBER XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts are incorrect and should of been removed from my credit file long ago. The accounts are fraudulent due to the theft of my identity and one presumably became me. These accounts has already been identified as fraud but still reporting on my credit report. Please remove the following accounts. [ 1 ] XXXX XXXX XXXX   {$4400.00}, [ 2 ] XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I looked at my consumer report and I noticed errors with my personal information : As far as I know by the laws and regulations, any and all others are inaccurate and/or outdated information must be deleted immediately from my consumer report as they are not reportable as per the FCRA since they are inaccurate This is the ONLY personal information that should be reported on my credit report Please update my name to : XXXX XXXX XXXX update my address to : XXXX XXXX XXXX XXXX XXXX New York XXXX XXXX of Birth : XX/XX/year> SS # : XXXX Also, the only name and address that should be reported on my consumer profile are the ones listed above and in the documents attached to this letter. Again, anything else should be deleted ASAP from my credit file I know that you want proof of my personal information that is listed above so I decided to include this information in the letter to make it easy for you to delete the inaccurate information I also noticed the following accounts reporting inaccurately, there are quite a few of them, which left me a bit shocked and confused! I've listed the ones I saw below but there may be more as I continue to review my report. Mistakes such as these can cost me thousands of dollars in interest a year!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX and equifax are reporting inaccurate information in regards to my XXXX XXXX credit limit and credit card balance on my credit report. Please view the attachments... under the " FCRA '' I HAVE THE RIGHT TO DISPUTE INACCURATE /ERRORS/ FALSE INFORMATION.
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 to privacy and confidentiality under 15 USC 1681. 

1. XXXX XXXX  account number XXXX XXXX XXXX XXXX XXXX, OH XXXX 2. Dept of EDXXXX Account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX 3. XXXX XXXX  XXXX 4 XXXX XXXX XXXX XXXX 5. XXXX XXXX 6. XXXX XXXX XXXX XXXX XXXX 7. XXXX XXXX XXXX XXXX 8. XXXX XXXX XXXX XXXX These accounts have violated my rights. 

15 USC 1681 section 602 A states I have the right to privacy.

15 USC 1681 section 604 A section 2 also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 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 or crimes which antedates the report by more than 7 years.

15 USC 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