23daVinci/CFPB_Complaints huggingface dataset:
Product: Bank account or service

I 've requested documentation regarding the Overdraft Fees reported to XXXX and they refused. They are withholding important information I requested because I contacted Office of Comptroller and Currency. I told XXXX Chase can not withhold information from the customer accounts. According to FCRA, they have to provide derogatory information they supplied to XXXX. 
On XXXX/XXXX/16, XXXX XXXX told me " Since you reported J P Morgan Chase to Office of the Comptroller of Currency, they would not provide the information ''. XXXX refused to provide the information she called me about. In addition, XXXX told me they got my online request to close the account and they did not close it because there was a pending transaction. I stressed to them that I am a victim of Identity Theft so closing the account would avoid further overdraft fees. I asked XXXX the same question and she said " the account at XXXX are all fees '' then contradicted what she initially said " the accounts not on XXXX are the accounts with overdraft fees. I still do not understand why they would hold overdraft accounts for 2 years then place it on XXXX. 

I would like bank statements from each account including paid off accounts. J P Morgan Chase would hold deposits to accrue NSF Bank Fees to make more money. Then have their collection department harass the customer. J P Morgan Chase has refused to provide information to clear up this issue. As a previous Chase Manager with a team, I know all the representatives in the call center and in the branches have a set quota for opening checking account and other products. If they do not meet the sales goals, they are placed on Corrective Action or terminated. Inside the bank and sales department were opening accounts and customer did not authorize the opening. Therefore, in an effort to meet goals they apparenting do not check their resources such XXXX and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX / Experian I'm filing complaint due to the fact that None of you are doing your XXXX Jobs correctly XXXX XXXX XXXX Account acc XXXX each one of you are in full Violation of the FCRA This account has been and charged off But each one of you are reporting a past due of {$5400.00} how is this possible??? This account has to be deleted on charged off account their should be no past due amounts delete this account and send me a updated credit reporting once this item has been deleted
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting ACT ACCOUNT XXXX XXXX XXXX  # XXXX, Has violated my rights. 

15 U.S.C 1681 SECTION 602 A. STATE I HAVE THE RIGHTS TO PRIVACY.

15 U.S.C 1681 SECTION 604 A SECTION 2 : IT ALSO STATE A CONSUMER REPOERTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITINEN INSTRUCTIONS.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Opened XX/XX/XXXX Account XXXX XXXX  - this account is not mine XXXX Opened XX/XX/XXXX Account XXXX XXXX  - this account is not mine Acima Opened XX/XX/XXXX Account # XXXX - this account is not mine 15 US Code Subchapter There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with impartiality and a respect for the consumer right to privacy.

US Code 1681b Subject to subsection C, any consumer reporting agency may furnish consumer reports under the following and no other : In accordance with the written instructions of the consumer to whom it relates without written permission from me to publish my information with your bureau.

Without the prior consent of the consumer given directly to the debt collector or the express permission of a count of competent jurisdiction. A debt collector may not communicate with a consumer in connection with the collection of any debt.

Failure to remove these accounts immediately will result in a {$1000.00} fine. 

Note that a copy will also be sent to FCRA.
Product: Credit reporting

In XXXX 2013 I decided to pull my Credit File/Report and discovered that XXXX accessed my Credit File unlawfully under the false pretends that I was attempting to get a 30 Year Mortgage with XXXX. At no time did I complete any type of Mortgage Application with XXXX to obtain a 30 Year Mortgage or any other Mortgage Company. 
I NEVER gave XXXX verbal or written 'CONSENT ' to access my Credit File and to share my Credit { Personal } Information with ANYONE including any XXXX Parties. I contacted XXXX on 'SEVERAL ' occasions asking them for their help and requested that they provide to me the documentation that they received from XXXX that gave them the 'AUTHORITY ' to access my Credit File. XXXX refused to provide me with copies of ANY TYPE of documentation. I sent correspondence to XXXX on several occasions requesting that they respond to my inquiries in writing, which they acknowledge receipt of my correspondence and provide me with their company 's forms/documents to complete, which I did and sent back to XXXX the completed documentation/forms via Certified Mail on at least two occasions but XXXX refused to respond back to me in writing ... complete SILENCE! They refused to provide any type of documentation to me regarding the matter. 
I also contacted 'State Agencies ' that have jurisdiction over XXXX regarding this matter, but was UNSUCCESSFUL with getting anyone to successfully ADDRESS my CONCERNS regarding this matter along with the XXXX violation of my 'Constitutional Rights ' and the complete invasion of my PRIVACY, not to mention their UNLAWFUL ... and THEIR UNETHICAL behavior. 
Since InterThink is in the 'Trade of Business ' I am also ALLEGING UNFAIR TRADE PRACTICES against XXXX for unlawfully accessing my Credit File without my CONSENT and SHARING my Credit Information to another 'Trade/Business ' that I did NOT give my CONSENT!
Product: Credit reporting, credit repair services, or other personal consumer reports

Nelnet is on a cease and desist and they keep contacting me via phone and mail. I spoke to an account manager yesterday and she said that's it's the law to reach out to me. I told her she is in violation of my consumer rights she said not she is not she that the telephone consumer protection act gives them right to break and violate 15 usc 1692c ( c ). I am looking to fill federal charges on nelnet and the department of education.
Product: Credit reporting or other personal consumer reports

According to FCRA 605B, we should eliminate any incorrect accounts from my credit report. Can you verify the documents? Some accounts listed contain reporting errors, with incorrect amounts and dates.
Product: Credit reporting or other personal consumer reports

I am writing to formally lodge a complaint regarding incorrect information on my credit report that has been verified by TransUnion as accurate.

However, upon closer inspection, I have identified several inconsistencies that are grounds for deletion : Incorrect Information : The account status listed on my credit report by TransUnion contains incorrect information. Specifically, the incorrect payment status.

Inconsistent Across Credit Bureaus : The account status is inconsistent across the three major credit bureaus ( TransUnion, XXXX, and XXXX ). For instance : TransUnion reports the account as closed. 
XXXX reports the account as paid. 
XXXX reports the account as paid. 
These discrepancies violate the Fair Credit Reporting Act ( FCRA ), which mandates that all information on a consumers credit report must be accurate and consistent. Under FCRA 611 ( 15 U.S.C. 1681i ), credit reporting agencies are required to conduct a reasonable investigation into disputes and ensure the accuracy and completeness of information. Furthermore, FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) requires credit reporting agencies to follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a mortgage since 2010 with XXXX then XXXX and Experian do not have it.. But XXXX  and XXXX have it .... I call XXXX and they said they send the report every mouth.. I call Experian and they said I have to call XXXX.. Im getting the run around from both ... Can you help
Product: Credit reporting, credit repair services, or other personal consumer reports

The undersigned is obligated to have obsolete information on their credit report deleted under Section 1681c of the Federal Fair Credit Reporting The following account list is obsolete. 
Account # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to express my deep concern and dissatisfaction regarding the recent denial of my request to block certain information on my credit report, as outlined in 15 USC 1681c-2. It has come to my attention that despite the explicit language in the statute mandating the blocking of information resulting from identity theft, my request has been denied.

Specifically, 15 USC 1681c-2 states that consumer reporting agencies " shall block the reporting of any information in the file of a consumer '' that the consumer identifies as resulting from an alleged identity theft. This provision is designed to protect consumers from the harmful consequences of inaccurate information stemming from identity theft.

I submitted a formal request to block specific information on my credit report, providing evidence that these entries are a result of identity theft and not related to any transactions initiated by me. However, I recently received notice that my request has been denied. 

This denial raises serious concerns about the protection of my civil rights as a consumer under the Fair Credit Reporting Act ( FCRA ). The FCRA is intended to ensure the accuracy, fairness, and privacy of consumer information, and it grants consumers specific rights, including the right to block inaccurate information resulting from identity theft. 

The denial of my block request not only goes against the explicit mandate of 15 USC 1681c-2 but also raises questions about the adherence to the fundamental principles of fairness, impartiality, and respect for consumer rights, as outlined in the FCRA.

I urge you to reconsider your decision and promptly address this matter in accordance with the statutory requirements. Failure to do so not only perpetuates the inaccuracies on my credit report but also constitutes a violation of my civil rights under the FCRA.

I appreciate your immediate attention to this matter and expect a thorough reevaluation of my block request.

Enc : Police Report, ( 2 ) Identity Theft reports, Proof of Address, Photo ID
Product: Credit reporting or other personal consumer reports

I woould like for all of my of my information on my credit report to reflect the correct name, address, social security number, phone number. 

I would like to ensure you only retain CURRENT, COMPLETE and TRUE information in my credit file. Per FCRA regulations ANY and ALL other information I DEMAND as my lawful rights to be annulled. I DO NOT AUTHORIZE you to mis- report any information now or EV-ER. Immediately review to properly ENSURE your adequate and in full accordance to the laws which governs your practice or reporting consumer credit profiles. 
1 ) I DO NOT HAVE ANY OTHER NAMES, ALIASES, NICKNAMES to be reported or retained in my credit file. If ANY please DELETE NOW or produce PROOF of your legiti-mate authority to retain or report without infringing upon my consumer rights. 
2 ) I DO NOT HAVE ANY OTHER CURRENT ADDRESS and do not authorize or desire and other addresses to be reported or retained in my credit file. If ANY please DELETE NOW or produce PROOF of your legitimate authority to retain or report without infringing upon my consumer rights. 
XXXX ) I DO NOT HAVE ANY OTHER SOCIAL SECURITY NUMBERS to be reported or retained in my credit file. If ANY please DELETE NOW or produce PROOF of your legiti-mate authority to retain or report without infringing upon my consumer rights. 
4 ) I DO NOT HAVE ANY OTHER DATES OF BIRTH and do not authorize or desire and other birthdays to be reported or retained in my credit file. If ANY please DELETE NOW or produce PROOF of your legitimate authority to retain or report without infringing upon my consumer rights. 
5 ) I DO NOT HAVE ANY OTHER TELEPHONE NUMBERS and do not authorize or de-sire and other phone number to be reported or retained in my credit file. If ANY please DE-LETE NOW or produce PROOF of your legitimate authority to retain or report without in-fringing upon my consumer rights. 
6 ) I DO NOT HAVE ANY OTHER EMPLOYERS and do not authorize or desire and other employers to be reported or retained in my credit file. If ANY please DELETE NOW or pro-duce PROOF of your legitimate authority to retain or report without infringing upon my con-sumer rights.
Product: Checking or savings account

Money goes into account and out of account and back into account. Some days account balance doesn't match spending.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019, 2 XXXX XXXX salesmen came to my door to shampoo 3 rooms, and I let them. Long 3 hours went by, and I knew my credit would not be approved because I was not working, my husband is the only one. So, I said sure, run my credit. Well, a few min later, they said I was approved. I asked the salesman how, and he said they only used my info, but used my husbands earnings. Anyway, later that night, I explained to husband, he said nope, they jipped me. In the meantime, I was supposed to go on my email to sign the financial loan documents. I had 3 days to rescind and give vacuum back. I looked on my email, started doing paperwork, then I quit. I was asked on a form for my drivers license info, I actually never finished the paperwork. I also in the meantime tried to contact the salesman to please come back and get vacuum. I could not get him, his boss. I tried for over a week. Well, after that, one of the reps from XXXX said that Monterey Financial needed my drivers license info, that I needed to call them or the contract was void. I never gave them info, and never actually seen a contract containing my interest or anything. The XXXX salesman had put all my info in the site and set me up for auto pay. Long story short, a couple months passed, I got out the owners manual to learn how to use the attachments. I found a copy of my credit app folded in it. The salesman had wrote in that I got XXXX a month XXXX!! Really!! Its such a ripoff all the way around. Please, please help with this
Product: Mortgage

I am trying to modify my mortgage and I need assistance because my lender is not trying to assist me.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  : ** XXXX XXXX XXXX XXXX XXXX  XXXX *XXXX XXXX Account # XXXX ** XXXX Account # 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 1006.34 Notice for validation of debts : States a debt collector must provide a consumer with the validation information required by 1006.34 ( c ) either by sending the consumer a validation notice in the manner required by 1006.42, or by providing the information orally in the debt collectors initial communication.
Product: Credit reporting or other personal consumer reports

I appreciate your assistance in removing a portion of my credit file related to fraudulent activity. However, there are still items that require removal. Under FCRA Section 605, you are obligated to remove any inaccurate records. I have previously submitted this documentation and am resubmitting it for your reference. Please be advised that my attorney is aware of my intentions and is prepared to hold you accountable for any continued non-compliance. 
XXXX XXXX XXXX XXXX XXXX, AZ XXXX XX/XX/year> XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XX/XX/year> XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Original Creditor : XXXXXXXX XXXX XXXX  XXXX XXXX Balance : {$11.00} XXXX XXXX XXXX : {$0.00} XXXX XXXX** Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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>
Product: Credit card or prepaid card

I have a XXXX personal credit card. XXXX and XXXX combined recently but I signed up for a XXXX card for a XXXX promo offer for XXXX points. The XXXX did not post to my account. I know the merger was to take place after XX/XX/XXXX but I applied and was approved for this card prior to the XX/XX/XXXX deadline. Now american express is declining giving me the offer because I had a XXXX card before and got a bonus with them. I feel as though I met the requirements for the card having got it before the XX/XX/XXXX deadline. Please help me get my XXXX XXXX points.
Product: Credit card or prepaid card

Received an alert on XXXX about a late payment. Called XXXX and was told that an account was opened on XX/XX/2022 to Montgomery Ward. 60 days late payment ; {$290.00} due. XXXX gave me a phone number for this company ( XXXX ).
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX and Transunion all have supposedly investigated my claim that : 1 ) XXXX collections of XXXX XXXX, Tex. has placed multiple charges as individual accounts, thus overly diminishing my credit & scores. My investigation is, they are all charges to one account. Furthermore, I never had any prior knowledge of them before I found them on my credit. I have no obligation to pay same. I have never been sent a bill for them, therefor, they, by law can not be placed for collections on my credit record. 
2 ) None of the three, XXXX, XXXX or Transunion have the same amount of collection accounts posted to my credit report. Each has deleted or removed one or more of them. Thus, none of them are getting truthful posting info from XXXX, so, how can they take XXXX 's certification that they are posting true and accurate charges against me? 
I have questioned this Certification each time they come back from investigating my disputes with their replies that " they have checked with XXXX and they have certified to them they are correct '' so no changes would be made. 
If XXXX was being truthful, they would have never eliminated any, or, they would have left the totals the same and combined them into one account number.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax continues to report inaccurate unverified charge off on my credit report from XXXX XXXX and XXXX XXXX. I requested through certified letters their METHOD of verification names and phone numbers of individuals reporting the negative data on XXXX XX/XX/2018 and Equifax still has not responded to my request but continue to report the inaccurate unverified charge offs. Equifax had to correct MIXED items on my file in the past would you please assist me with this issue.
Product: Credit card

Throughout, I've made it a priority to ensure timely payments on this account, avoiding any instances of overdue balances. However, I'm uncertain about the rationale behind the appearance of late payment notations on my records. As per 15 USC 1666b - Billing Error, this issue ought to be addressed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified account listed below continues to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to Experian on XX/XX/2023 but no answer was received. This account must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate this account, I will take legal action against you. Please abide with the law in order for this matter to be resolved promptly. 

XXXX XXXX
Product: Credit reporting

Dismissed Bk Check again a with the law bk can stay from the date they were Add to adjudicated incase you did not know that means the time it was processed through court so the very act of dismissing means it was not adjudicated however since you it still is ok Equifax knows who I am if they say they do n't again it because they are lying. They do n't need proof of anything they have it. here are my list of problems with them 1. CA state tax liens there are XXXX of them they keep verifying them they pad and released but that 's not the issues the problem is the dates the amounts and who they belong to. I want the method of verification I want to know who you speaking to and at what number you contacted them I want to see all paper that was included in that verification and just saying the court is not good enough because it does not meet FCRA standers.2. The being verified I am requesting method of verification such as filing dated dismissal date what was included in the BK address used in the filing and whom you spoke to and when you spoke to them and at what number so I am to talk to them in regards to your verification Well that brings me to the number XXXX The federal tax liens you have it all wrong the dates the amount whom they belong to and that they are withdrawn given that again I am requesting method of verification it is my right and your duty to provide me with this information or remove it under the FCRA they also are reporting XXXX collection accounts from XXXX this company is being reporting illegally on my credit and this company has been reported to the XXXX because of hippia violations and they are now involved in that XXXX they are also reporting southwest recovery and they agreed to be removed through this web site
Product: Debt collection

This company is sending me information I already have only 2 statements. Im asking them for the entire complete statement for this credit card. I also sent them the hardship form they sent. They sent me the same thing over and over. I NEED THE ENTIRE STATEMENTS YEAR BY YEAR NOT ONLY 3 piece of statements.If they bought this account they should have all the documents.