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

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and to be corrected immediately. The XXXX credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update or correct the following inaccurate items in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

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 XXXX XXXX XXXX. Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX : XXXX Account name : XXXX XXXX XXXX XXXX  # XXXX, Account name : XXXX, Account XXXX : XXXX, Account name : XXXX XXXX  Account name : XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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

My request for the correction and removable of the erroneous information about my accounts has been diligently neglected by Experian. Besides, the inaccurate information about my accounts is still on my reports. Therefore, Experian has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non- compliance with federal statutes. Below are the accounts that are still reporting on my account :  XXXX XXXX XXXX XXXX Balance {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX Balance {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX Balance {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX Balance {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} Date Opened : XXXX XXXX XXXX XXXX XXXX Balance {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX Balance {$0.00} Date XXXX : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this Complaint regarding the fraudulent information I found on my credit report. The items I am disputing do not relate to any transactions I have made or authorized. I have reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I have been a victim of Identity Theft, my information was stolen and used to open these items without my permission or knowledge I therefore request that you immediately remove these fraudulent items from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. Below is the list of the fraudulent items I found on my Credit report. 
XXXX  XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX, MO XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXXXXXX XXXX XXXX, MO XXXX
Product: Debt collection

XXXX KEPT CALLING MY CELL PHONE 11 TIMES AFTER AI TOLD THEM NOT TO, ALSO FAILED TO VALIDATE DEBT OR REFUSED TO CEASE AND DESIST WE ARE DEALING WITH XXXX DIRECTLY, WENT ON MY CREDIT AS A INVALIDATED DEBT INQUIRY.REFUSED TO CEASE CONTACT.
Product: Checking or savings account

I have 3 accounts with chase that are being closed against my will. Two personal accounts as well as a new business account. 

I closed on the purchase of a XXXX XXXX on XX/XX/XXXX and have used Chase to hold the capital for that business. Out of nowhere my checks started bouncing and I had come to find out that chase is closing that account as of XX/XX/XXXX. They will not give me any explanation as to what I have done wrong, I have several other bank accounts with Chase and they are all small pharmacies which are still in good standing. 

Because this is a new business and I'm already bouncing checks it is extremely detrimental to the well-being of my business and my employees my customers and my vendors. 

I have been owning and managing pharmacies for the past 20 years and have never had an issue like this before. 

While I understand Chase has their terms and conditions and they say they can close my account at any time, I can not wait 10 business days for my check for the balance in my account to come to me. 

At this point in time Chase has over XXXX of my funds and this could potentially ruin me. 

I want to know what rights I have as a consumer, and is there any way I can have the cfpb look into this situation.
Product: Credit card

On XX/XX/XXXX and XX/XX/XXXX, various online accounts of mine were compromised by hacker ( s ) including Amazon.com, Amazon Store Card ( Synchrony Bank Credit Card ), PayPal.com, XXXX XXXX Checking Account, XXXX XXXX Account and XXXX XXXX Credit Card. 

All accounts save for the XXXX Credit Card Account were resolved successfully and fully to my satisfaction. XXXX 's Fraud " Detection '' Department however refuses to acknowledge my fraud claim. 

Synchrony Bank provides Amazon.com customers with a Credit Line ( Card Account ) which is directly linked to Amazon.com. On the dates listed above, unknown hacker ( s ) connected to my Amazon.com account and by siphoning approximately XXXX or XXXX transactions of approximately {$100.00} dollars from the Synchrony Account into Amazon.com Gift Cards ( electronic gift cards ), they were able to make fraudulent purchases with the Amazon.com Gift Card balances. This happened on two occasions on XX/XX/XXXX and XX/XX/XXXX. 

Amazon.com 's fraud system fully detected this fraudulent activity and quickly removed the orders from my account, however the fraudulent charges were already made to my Credit Card Account. I have tried to contact Synchrony Bank but they fail to understand how the fraudulent purchases were made and refuse to provide monetary compensation in the form of removing the fraudulent charges from my credit card. This impacts my credit score significantly and I can not and will not pay off a balance on fraudulent charges totalling in approximately {$650.00} dollars.
Product: Debt collection

Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor and my sign hippa release form. You are illegally attempting to collect an alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting. Promptly request deletion of any prior credit reporting to credit reporting agencies. I have no knowledge of this company or alleged debt. i disputed this debt with the credit bureaus and it came back verified i have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened an auto loan through Wells Fargo and it has been a nightmare since day one. 
I am currently in the process of purchasing a home and I am having to put off my closing due to, guess what account? here it is XX/XX/XXXX, half way through the month and the last time they have reported anything back to the credit bureaus was XXXX. I have been calling Wells Fargo Auto Loan line everyday for the last month with no resolve and receiving the same excuse " it has already been sent '' even though all XXXX bureaus still have the same exact information, last balance reported XXXX, last payment reported in XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

We closed on a LoanDepot refinance mortgage around XX/XX/2021 with our first 5 payments successfully processed by bank draft originating from our XXXX checking account. I've attached the proof of payment from XXXX - XXXX of 2021. The XXXX payment was rejected by LD with no explanation as to why it was sent back to our bank. The payment left our account on XX/XX/XXXX and returned on XX/XX/2021. 

When I realized that the XXXX payment had not posted with LD, I called the servicing department at LoanDepot and spoke with an agent. She did not know why this had occurred either, and she said that she would forward the question to their " research '' department for further investigation. I never heard back from " research ''. I was away the month of XXXX and assumed my bank would have re-submitted the draft, which it did not. The auto payment draft for XXXX 's payment had occurred as expected from our XXXX account but was rejected by LD, again without explanation. 
Again I called LD and all the servicing agent could tell me was to contact my bank. I did have a meeting with XXXX bank and they determined that the funds being rejected was coming from LD, nothing to do with the bank drafts sent automatically from our bank account. 

Meanwhile, an inaudible voice message was left on my husbands phone messaging system. He thought the message was a marketing call from XXXX XXXX. He says he could not make out or understand the broken English message that was on his voice mail. 

I received no phone call or email or snail mail from LoanDepot during this whole time. Nothing was mailed to us except our normal monthly statements. There was no attempt for LD to contact me, even though I was the one attempting to get information from LD. I've attached an email dated XX/XX/2021 again attempting to learn what was wrong and why 2 payments had been rejected. I never got a reply. 

I will also attach the emails between myself and LoanDepot 's servicing people. 
After contacting the servicing department for the 5th time, we were told that letters were mailed to us to notify us of the change in payment instructions. We did not receive any letters from LoanDepot with this information. 

All our attempts to rectify the 30 day late payment has not resulted in a reversal of LoanDepot decision to report to the credit agencies. We have had SEVERAL mortgages and we have NEVER been 30 days past do on any loan. We have ALWAYS received a letter from a mortgage company when the loan is sold, transferred, or when there is an update to the account number. LoanDepot says they sent emails to my husband, which he DID NOT GET. He as checked everywhere in his emails and he has not gotten any such account number change emails. Nor did I. We did not receive notification by US mail either. I had no idea of the loan transfer. Prior to this 30 day late report, our credit score XXXX, this 30 day late report has lowered it to where getting another mortgage is out of reach.
Product: Credit reporting or other personal consumer reports

Re : Immediate Deletion and Removal of Accounts Account Numbers : XXXX and XXXX To : XXXX, This is my FINAL demand for the immediate deletion and removal of the accounts referenced above from my credit report. My original request for validation of debt was submitted on XX/XX/year> ( CFPB Case # XXXX ) ( XXXX ), and I have received absolutely no proper validation of these accounts as required by federal law. 
Attached to this letter, I am including a copy of my third and final letter that was sent to XXXX, as well as documentation of the CFPB report and the certified mail tracking information. Specifically, I have attached a copy of the green certified mail tracking receipt proving that XXXX received my dispute and validation request. JPMCB receipt of this letter was confirmed by a signed acknowledgment, and yet, over a total of 120 days have passed with no response or validation. 
JPMCB Failure to provide validation within 30 days of receiving my request constitutes a direct violation of 15 U.S. Code 1692g ( Validation of Debts ). This law clearly mandates that upon receiving a dispute, you are required to : 1. Cease all collection activity until the debt is properly validated.

2. Provide the consumer with clear, documented validation of the debt, including details about the original creditor and the amount owed.

Since I received no such validation, JPMCB is now in clear violation of the Fair Debt Collection Practices Act ( FDCPA ) and is unlawfully continuing to report inaccurate and unverified information to the credit bureaus. This also violates your obligations under 15 U.S. Code 1681s-2 ( Fair Credit Reporting Act ), which requires you to furnish only accurate and verifiable information.

Given that you have failed to comply with these legal obligations, I DEMAND that you immediately delete and remove these accounts from my credit report. Failure to do so will result in further legal actions, including but not limited to : Filing additional complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ).

Pursuing litigation for violations of both the FDCPA and FCRA.

This is the FINAL NOTICE. You have been fully aware of your obligations under federal law and have chosen to ignore them. I demand immediately that I receive confirmation that these accounts have been deleted from my credit report. 
I expect immediate compliance, and I have attached the certified mail tracking information as proof that XXXX received my original dispute and did not respond. Failure to act promptly will result in escalated legal action with you and XXXX without any further warning.
Product: Credit card

Bank of America credit card consumer. Unable to contact enterprise military staff benefits unit at B of A. AI chat is gate keeping. Unable to address having a credit card account that does not reduce payments after a year of paying the same amount every month. What kind of interest is producing this action? I do not use the card I just make timely payments. 
Consulted staff at branches, it takes so long to connect with credit card division for in-house staff. Prompted by the Federal Trade Commission to connect with CFPB due to being retired military.
Product: Credit card or prepaid card

I received two separate notices regarding two accounts which American Express cancelled. American Express, in their letter, informed me that I have the option to pay the balances at a reduced amount provided I go online and set up payment/payments, or contact them. I first attempted to go online, but the site requested full account number which I no longer have access to. ( In the past, when I had contact with American Express, they have declined to provide me with my account numbers although they are happy to request my personal information ). 

I called American Express today, XX/XX/2019 on two separate occasions ; in both instances, where the representative identified himself as a representative for American Express, I was informed that they do not have my account numbers ; this is the company who sent me the notices with the last XXXX digits of the account number ; the company offering a reduced payment, who does not have the account number, I am told. 

I explained to the representative that the website is prompting me to set up an online user ID/pw and requires full account number. The representative in both calls said they they do not have the account numbers. I suspected some fraud, so on my second call, I suggested that the gentleman was not affiliated with American Express and he confirmed he was from XXXX. I told him that it was unfair that he is asking for my personal information while not providing account info to me to create online account. 

Due to the inconsistent nature of the call, the manner in which the representative presented himself, and the refusal to provide me with the account number - critical information needed to make online payments - I concluded that American Express was in violation of the Fair Debt Collect Practices Act and, this representative was not legally allowed to speak with me about this account. 

I ended the call because I felt that I was being treated unfairly and that American Express was using deceptive and unfair practices in this exchange. I also felt that the company hires illegals to collect debt, jeopardizing my personal information. ( why would they deny critical information - the credit card number - that could potentially help me validate the debt amount allegedly owed?? ). Why would a representative of the card issuer, in this case, claim that they do not have the card number on the same call where they asked for the last 4 digits of my social security number??
Product: Credit reporting, credit repair services, or other personal consumer reports

Back On  XXXX !  XXXX ,2017, I Sent Out A Letter To Equifa x Credit Company, As O f Today I Have Not Heard Or Recieved Any Notices From Them. So On  XXXX   XXXX ,2017 I Again Send Out Another One .All I Want Is For Them To Updated all My Information, Which Some Of Is Out Of Dated, My Personal Information, That Needs To Be deleted Is Some Address And Phone Numbers And My Name Which They Are All Wrong..I Did Send Them Proof I Send  XXXX  Document To Proof My Name And Address ..Till This Da y I Have No t Heard From  Them.And Also I See  That They Keep On Adding Negative Report And The Hard Inquierier From Companys That I Don '' t Know. We All Have Rights And Right Now I Feel That This Should Be Investigated .Iam Trying To Fix My Credit And I Hope Your Company Can Clear Up This Issue ..I Do Have Copyed Of The Letters That I SendThem.. Thank You,  XXXX   XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. 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. 

XXXX XXXX XXXX XXXX XX/XX/XXXX {$0.00} XXXX  XXXX XX/XX/XXXX {$1300.00} XXXX  XXXX XXXX XX/XX/XXXX {$620.00} XXXX  XXXX XX/XX/XXXX {$1800.00} XXXX XXXX  ( Original Creditor XXXX XXXX XXXX XXXX ) XXXX XX/XX/XXXX {$520.00} XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX {$480.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX  - XX/XX/XXXX 15 USC 1681 Section 602 A- States I have the right to privacy.

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

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven 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 has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

Portfolio Recovery Services calling me multiple times a day from atleast 10 different phone numbers. I got my free credit reports from all XXXX agencies. I have nothing in collection with them. I have some old medical bills and they all show as paid. And looking at my XXXX credit report Portfolio Recovery services is looking running my credit report often, sometimes several days in a row, sometimes 2 weeks apart since 2015. I would like them to stop calling me and accessing my credit record.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ally Financial refuses to remove negative payment history from my credit reporting. 

I purchased a XXXX XXXX XXXX for my husband in XXXX of XXXX, but we have since been divorced. The divorce filing was finalized on XX/XX/XXXX, which states, Husband shall retain the XXXX XXXX XXXX, titled in his name, free and clear of any claim of wife. XXXX shall be responsible for the loan on this vehicle to Ally, held XXXX name, holding wife harmless from collection there on. 

I filed a dispute with XXXX in XX/XX/XXXX. On XX/XX/XXXX XXXX reported the my credit file had been updated, but the negative payment history was not removed from my report and my credit file was updated and it was suggested that I reach out to the lender to file a dispute with them. 

I contacted Ally Financial on XX/XX/XXXX and was given a direct fax number to the department that handles their disputes. I faxed a copy of my divorce decree to support the dispute on XX/XX/XXXX. I also filed disputes with XXXX, XXXX and XXXX at that time and provided supporting copies of my divorce decree. All have resulted in some sort of update to my credit report, however, the negative history remains. Additionally, I received a loan extension agreement from Ally dated XX/XX/XXXX. I was never consulted about the extension agreement prior to being put into place. 

This is very damaging to me as I was forced to purchase my home at a higher interest rate, and am currently trying to refinance, but am unable to until my credit score increases and the {$20000.00} debt no longer impacts my debt to income ratio. Per my divorce decree my ex husband, his lawyer and Ally Financial had 45 days from finalization of the decree to have this issue corrected. As a result, Ive paid an incredibly significant amount in interest on my home loan that was unnecessary and has put me and my children under significant financial hardship.
Product: Debt collection

Stating on my credit report that I " Remarks : & gt ; SETTLED-LESS THAN FULL XXXX & lt ; ; & gt ; PAID COLLECTION & lt ; '' I have never paid this company a dime of my hard earned money for a account that is not mine.