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

I do not consent to e-OSCAR verification and want an actual living human being to read this complaint. I will have my marked-up consumer report attached below in reference to my federal consumer rights being violated by the XXXX XXXX reporting. Every circled furnishing attached below is a violation to my federal consumer rights and each furnishing violates the Privacy Act of 1974, 15 USC 681, 15 USC 1681e, 15 USC 1681b, 15 USC 1681n, and 15 USC 1681a. My invoice for actual damages and violations will be attached also. I fully intend to pursue arbitration or litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under 15 U.S. Code 1681n - Civil liability and 15 USC 1681o
Product: Credit reporting or other personal consumer reports

I was checking my credit report because I'm looking to buy a house and on my report and I happened to notice multiple accounts with inaccurate and fraudulent reports of auto loans personal loans resolving accounts student loans rental history credit card purchases and collections on my report I did not authorize also there are accounts that I find that don't have any permissible purposes or incorrect and improper information which are in violation of the ( FCRA ) the fair credit reporting act law and I would like them to be completely removed these accounts are. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dept of EDXXXX XXXX XXXX XXXX Dept of Ed XXXX XXXX
Product: Payday loan

I borrowed XXXX dollars from a pay day loan company and the agreement was ninety XXXX over a period of thirteen weeks. I have since paid them XXXX dollars and XXXX cents from XX/XX/XXXX until XX/XX/XXXX. 
I gave them a call and they told me because my contract say thirteen weeks I still owe them XXXX dollars per contract. 
when I sign the contract it was done on line so it was not explained to me properly and of such I did not understand it
Product: Credit card or prepaid card

On XX/XX/2020, I disputed a negative item on my credit report from Midland Credit Management and this agency has failed to provide me with accurate validation. On XX/XX/2020, I filed an second dispute since this company failed to provide me accurate documentation on the account that they say I owe them. On XX/XX/2020, I spoke with a representative from this agency who informed me that they do not have to give me any documentation. This company is fraudulent reporting negative information to credit bureaus and do not have proper documentation while reporting fraudulent information. By this company reporting fraudulent information this is hurting my credit score and it is hurting my repetition with creditors. All three credit bureaus are reporting in accurate information on my credit report and this company re-age the account every month with credit bureaus. ( XXXX XXXX, XXXX   and XXXX ) I have disputed with the credit bureau but they are not properly investigating my dispute.
Product: Credit reporting or other personal consumer reports

My consumer rights are being violated with this inaccurate information! I have a right to be treated fairly by those who control it, so please provide me all available details on how they came up short in their responsibilities towards accuracy and compliance. I am officially challenging you to review your data on file for me! With the Fair Credit Reporting Act ( FCRA ) section 611 ( 15 U S C 1681I ) and Metro 2 compliance standards, I challenge all inaccuracies or deficiencies in reporting. The credit report I received was not accurate, which surprises me because you should be adhering to the FCRA and applicable Metro 2 data field formatting standards. As a consumer, I have listed the concerns about your reporting in this document. It is not complete and does not meet applicable standards because according to law you are required for both FCRAs as well as Metro 2 compliance which must be done truthfully with correct information being provided timely so that none of my rights are violated I am aware that you have been sending out form letters in response to many of the disputes and challenges that consumers have submitted, regardless of the specific information that they have provided. This is illegal, as each dispute and challenge must be addressed individually and on its own merits. My letters were created using software that is available to everyone. If you don't process my letters, you are violating 15 U.S. Code 5 1681i. Keep in mind, that you are not allowed to delay processing letters from consumers based on the assumption that help from a third party may be available. This is not a legal exception. I am the author of any letters you receive with my name on them. Either I or my advisors wrote them with my full knowledge and consent. I am aware that no law says you need to provide a Power of Attorney to delay processing letters from a consumer. If you do not process my letters promptly, I will consider it to be an intentional disregard of my rights as a consumer. I will then contact my lawyer to take legal action. 

Summary of Accounts being challenged in list form XXXX XXXX - Account NumberXXXX Please remove from my public record XXXX  - Account Number : XXXX THIS CONTRACT IS CANCELED XXXX XXXX  - Account Number:11200041**** This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove it from my credit report.
Product: Credit reporting or other personal consumer reports

To whom it may concern, I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the Federal Trade Commissions Identity Theft Affidavit in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible. 

Inquiry from XXXX on XX/XX/XXXXXXXX  Inquiry from XXXX on XX/XX/XXXXXXXX 
Inquiry from XXXX on XX/XX/XXXXXXXX 
Inquiry from XXXX XXXX on XX/XX/XXXXXXXX 
Inquiry from XXXX on XX/XX/XXXXXXXX 
Inquiry from XXXX on XX/XX/XXXX Inquiry from XXXX on XX/XX/XXXXXXXX 
Inquiry from XXXX XXXX XXXX XXXXXXXX on XX/XX/XXXXXXXX 
Inquiry from XXXX on XX/XX/XXXXXXXX 
Inquiry from XXXX XXXXXXXX on XX/XX/XXXXXXXX 
Inquiry from XXXX on XX/XX/XXXX Inquiry from XXXX XXXX on XX/XX/XXXXXXXX 
Inquiry from XXXX on XX/XX/XXXXXXXX 
Inquiry from XXXX XXXX on XX/XX/XXXXXXXX 
Inquiry from XXXX XXXX XXXX on XX/XX/XXXXXXXX 
Inquiry from XXXX on XX/XX/XXXXXXXX 
Inquiry from XXXX XXXX XXXX XXXXXXXX on XX/XX/XXXXXXXX 
Inquiry from XXXX XXXX on XX/XX/XXXXXXXX 
XXXXnquiry from XXXX XXXX XXXX on XX/XX/XXXXXXXX 
Inquiry from XXXX XXXX XXXX XXXX on XX/XX/XXXXXXXX 
Inquiry from XXXX XXXX on XX/XX/XXXXXXXX 
XXXXnquiry from XXXX XXXX on XX/XX/XXXXXXXX 
Inquiry from XXXX XXXX XXXX on XX/XX/XXXX. 
Inquiry from XXXX XXXX XXXX on XX/XX/XXXXXXXX 
Inquiry from XXXX XXXX on XX/XX/XXXXXXXX 
Inquiry from XXXX XXXX on XX/XX/XXXX. 
Inquiry from XXXX XXXX XXXX on XX/XX/XXXXXXXX 
Inquiry from XXXX XXXX XXXX on XX/XX/XXXXXXXX 
Inquiry from XXXX XXXX XXXX on XX/XX/XXXX Inquiry from XXXX XXXX XXXX on XX/XX/XXXX Inquiry from XXXX XXXXXXXX XXXX XXXX on XX/XX/XXXXXXXX 
Inquiry from XXXX on XX/XX/XXXXXXXX 
Inquiry from XXXX XXXX on XX/XX/XXXX. 
Inquiry from XXXX XXXX XXXX on XX/XX/XXXX. 
Inquiry from XXXX XXXX on XX/XX/XXXXXXXX 
Inquiry from XXXX XXXX XXXX XXXX on XXXX 
Inquiry from XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXXXXXX 
Inquiry from XXXX on XX/XX/XXXXXXXX 
Inquiry from XXXX on XX/XX/XXXXXXXX  I couldn't apply for any loans because of these negative items on my report which shouldn't be there
Product: Mortgage

I have been dealing with this issue for over the past 2 years now. First with XXXX XXXX XXXX XXXX my acct number for my mortg XXXX is XXXX. XXXX XXXX. They claimed I had unpaid payments of well over {$13000.00} and that WELLS FARGO retracked those payments from my XXXX XXXX Acct due to my bank XXXX XXXX, said " either NSF, or or wrong account number, OR mis applied pymnt. well these accusations are not true. I have contacted not only XXXX XXXX XXXX many times as you will see in your investigations, but also to XXXX that provided me with the docs to show the monies coming out of my acct and never being returned or pd to XXXX. they supplied me with all the tracing numbers and all. I then sent all this to the escalation team at Wells FArgo. They REFUSE TO GIVE ME ANY HELP OR INFORMATION, Stating ..That I am not on the Account or on any account with XXXX I am leaving another email to XXXX XXXX at XXXX re : what Wells had told me. I need this Resolved as I am trying to sell my home and buy another.. I am seeking a settlement out of court of approx. {$48000.00} for the Partial Claim I had to sign to keep my home but for all the hour 's I missed from work and hours and years spent to get this resolved. I just got off the phone with the Supervisor from ells Fargo Escalation Dept ( XXXX XXXX and he still would not help me stating it is XXXX or XXXX  fault. Please help me with this. Thank you, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of fraudulent accounts and inquiries from my credit report pursuant to 15 USC 1681c-2 ( a ) and the Fair Credit Reporting Act ( FCRA ) 605 ( b ). I am a victim of a data breach, and unauthorized activity has appeared on my credit report. 
The fraudulent accounts and inquiries I request to be removed are as follows : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/XXXX
Product: Checking or savings account

Money stolen from my Bank of America checking/saving accounts.

At the morning of XXXX, I received several emails showing my

Bank of America online banking was changes. I could not access my BofA online banking because my online credentials have been compromised too. I went to Bank of America local branch and found out that around {$9000.00} was transferred out of my Bank of America account at XXXX, several hours ago. I immediately requested a STOP payment of the transaction since it was not made/authorized by me.The banker denied my request and saying that the payment can not be stopped while been processing. The banker asked me to report as fraud later on once the transaction has been completed. I don't know too much about how bank works internally. I had no choice but to wait. 

Since XX/XX/XXXX, my checking/saving account and credit card account has all been compromised. I've been contacting BofA almost daily by phone calls or went to local branches. I also went to the local police department to report this money stolen/ identity fraud activity on XX/XX/XXXX ( attached ). 

I was finally able to file a fraud claim on XX/XX/XXXX, which is almost XXXX weeks later. My claim number is XXXX. ( I made several appointments with banker and wanted to file a fraud claim. All my attempts failed due to system malfunction and other excuses ). 

XX/XX/XXXX, BoA conclude their investigation by saying I authorized the transaction myself. The fact was that I did not authorized the transactions and I reported the fraud activities within XXXX hours. I clearly stated that I want to stop the payment when I met the banker at my first visit.

The bank wants me to wait until the transaction been processed. I did so. The bank made it difficult for me to file the fraud claim by having system malfunctions. The bank concluded me authorized the transaction myself despite the fact that I went to a local brand and clearly asked a stop payment of the fraudulent transaction.
Product: Credit reporting or other personal consumer reports

I have been affected by a long term issue with A data breech & identity related issues. Some of the issues involve other incidences that are too private to share. 
Im a victim of identity theft. please delete the following information according to FCRA 605B 15 USC 1681. Equifax is required to delete all information in four days. I am submitting this information of items requested here, thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize the following companies to do inquiries : XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX Bank, XXXX XXXX, XXXX Of 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX I have no knowledge of these inquiries. These inquiries were done without my knowledge. This if fraud
Product: Checking or savings account

Summary : I ordered some checks from JPMorgan Chase Bank, but the checks are lost during mailing. Someone signed and cashed the checks for {$400.00}, and Chase refused to refund the money. 

Timeline : XX/XX/2022 : Ordered checks at Chase branch at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX, no notification ( email, or message or phone call ) about the mailing of the check, no tracking number provided. No communication from the bank when the check will arrive. 

XX/XX/2022 : Someone signed a first check and cashed {$200.00} ( attached as XXXX ). 
XX/XX/2022 : Someone signed a second check and cashed {$200.00} ( attached as XXXX ). 
XX/XX/2022 ( approximate date ) : I first realized the check was never arrived and noticed the cashing out of the lost checks. I called Chase immediately, but the bank refused to refund the money and they said they need further investigation. 
XX/XX/2022 : No notice of investigation result from bank, so I call the bank and they said investigation is over and they refused to refund because the check was cashed out more than a XXXX ago. 
XX/XX/2022 : I went to branch to discuss but they said the decision is made and they can do nothing. 

Note : 1. When I ordered the checks in the branch, I was not explained when the checks will arrive and that I should contact Chase if the checks will not arrive after a certain date. 
2. No notification in any forms ( phone call, email, message ) that the check was in delivering, no tracking in any sort. 
3. I don't know whether the check is mailed to the wrong address, lost in the mailing process or got stolen from our mail box. However, we haven't lost mail / packages and the neighborhood is very safe. 
4. I only noticed that check was not arrived until XX/XX/XXXX because there was a newborn to care in the mean time and as a first time mom it's very challenging. If there would be any kind of communication that the check was expected to arrive, I would have noticed that notified Chase.
Product: Mortgage

I contacted Freedom Mortgage on XXXX/XXXX/XXXX to inquire as to the status of the PMI being charged on my loan. I was informed that the PMI was scheduled to be terminated in XXXX XXXX. Freedom Mortgage stated that, as of XXXX/XXXX/XXXX my LTV is XXXX. When I stated that my PMI should be automatically cancelled when the LTV drops below XXXX. The rep told me to write an email to Customer Care so Freedom could research the issue, which I did on the same day. My husband called to follow up on XXXX/XXXX/XXXX as we had not received a response to my email. Freedom told my husband that, in order for Freedom to consider our request to drop the PMI, we would be required to secure a new house appraisal at our own expense. Further, Freedom stated that, when making the decision to drop our PMI, they would take into consideration that they do n't have 12 months of payment history from us. My husband noted that this is the XXXX or XXXX time the note has been sold since we purchased the house in XXXX. 

The information provided by Freedom is in conflict with information provided by CFPB. Our original amortization schedule lists XXXX XXXX as the ending date for the PMI. However, we have paid above the monthly principal due almost every month since the beginning of the loan.
Product: Credit card

Macy 's credit card permits my card to be charged monthly for some " credit protection '' subscription service I never authorized. I have contacted the card issuer by email on numerous occasions to notify them that this is an erroneous charge but they allege they are powerless to stop this charge or to remove it. They direct me to a phone number, at which I have never been able to reach a person to get the charges removed or ceased. Since this number fluctuates in proportion to my present balance, it appears that this is a form of undisclosed interest on my purchase amounts. This is absolutely unscrupulous.
Product: Debt collection

On XX/XX/22 I took a call at XXXX XXXX I spoke with a XXXX ( cant remember last name ) they asked if i was my name and I said I was my name and then they asked if my address was my address. They gave out my personal info without verifying who I was. FDCPA states that you can use different verifiers to know whom you are speaking to. Address is one of them. But not giving out info that they hold.I do not appreciate that they are giving out this info and I feel it needs to be looked into. Cause if they got ahold of someone I knew that I did not want having that info there would be a lot of issues.
Product: Debt collection

DEBT RECOVERY SOLUTIONS  Last reported XX/XX/XXXX {$1300.00} Open balance XXXX XXXX XXXX XXXX XXXX A Original creditor Opened XX/XX/XXXX ( XXXX mos ) Account status Open That's account was closed in XXXX almost 8 years ago. I haven't any received a notice from them in over 7 years. Now when I tried to dispute the credit they rejected it and then they re opened the account making it fresh again and not over XXXX XXXX XXXX. This is frivolous and scandalous. I have received no notification in the past 2 years nor in the past 5 years. 

This company is outrageous! Beware of there scandalous practice
Product: Credit reporting or other personal consumer reports

FCRA 605B, I believe, mandates the removal of any incorrect accounts from my credit report. Could you check the documents, please? Some of the listed accounts are inaccurate in their reporting, with incorrect amounts and dates being reported.
Product: Checking or savings account

On XXXX, I deposited a check with {$5600.00}. 
On XXXX, The check was returned by Chase due to lack of signature. 
On the same day, after I know the check was returned, I went to Chase branch at XXXX XXXX, VA and deposited the check in the ATM under the guidance of a staff. 
After that, Chase told me the as this is a duplicated check so they put a - {$5600.00} ( debit ) on my account and also told me the credit of this check will be available on XX/XX/24. 
Essentially, chase is rejecting my check deposit by putting a debit immediately and giving me the credit 10 days later. Eventually it will be nuetral but it holds my own money for 8 days by doing that, which come for no reason.
Product: Credit reporting or other personal consumer reports

XXXX  XXXX was added to my credit report, and I requested information on who provided them with this. I have proof that it didn't come from the XXXX  court.
Product: Debt collection

Capital One Bank sent me a letter that I opened a credit card on XX/XX/2019 but I did not open or use their services. Over the months they sent some letters said I owe them money and sent debt to debt collector, they sent me some letters and asked me to pay the debt. This is harassing me and make my credit score dropped badly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to bring to your attention the following discrepancies on my credit report, which I reported to Experian on XX/XX/XXXX. To date, I have not received a response from them. 

The following account was never late : XXXX XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, Balance : {$160000.00} ). Please correct/update this inaccurate information on my credit report. 

The following account is not mine : XXXX XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, High Credit : {$6000.00} ). Please remove it from my credit report. 

The following account is not mine : XXXX XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, High Credit : {$610.00} ). Please remove it from my credit report. 

The following account is not mine : XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, High Credit : {$2500.00} ). Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act the XXXX Account names and numbers listed, has violated my rights. 
Account Name : XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX  account # : XXXX Account Name : XXXX XXXX XXXX Original creditor : XXXXXXXX XXXX XXXX XXXX XXXX account # : XXXX Account Name : XXXX XXXX XXXX Original creditor : XXXX XXXXXXXX BANK XXXX 
account # : XXXX Account Name : XXXXXXXX XXXX Original creditor : XXXX XXXXXXXX BANK XXXX 
account # XXXX Account Name : XXXX XXXX XXXX Original creditor : XXXX XXXX BANK USA XXXX XXXX 
account # XXXX Account Name : XXXX XXXX XXXX  Original creditor : XXXX XXXX BANK USA XXXX XXXX 
account # XXXX 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