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

I value you setting aside some margin to REMOVE a portion of the data in my credit document ; notwithstanding, there is still an inquiry to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm this inquiry. 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

CFPB 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

Transactions were made from my XXXX XXXXXXXX XXXX checking account that I did not make. 
I received a text message with XXXX XXXXXXXX XXXX header asking if I made those transactions to which I replied no I immediately received a call from a man posing as a XXXX rep. They walked me through steps which lead to me sending a XXXX  transaction of XXXX. 
XXXX XXXX  XXXX is denying reimbursement saying that I initiated the transfer so I am not entitled. 
It was the fraudulent charges that were initially made that allowed the criminal to gain my trust.
Product: Vehicle loan or lease

My identity was compromised and 2 vehicles were opened. Ive begun the dispute for the lease with XXXX and one bureau has deleted it. Now I am disputing this auto loan. I have completed an FTC report and still had no luck.
Product: Credit reporting or other personal consumer reports

Both accounts from XXXX XXXX XXXX and XXXX have been paid in full. This report needs to be updated
Product: Credit card

I have tried to make a charge on my card # XXXX, but my charge was declined. 
on XXXX XXXX, 2015. I called customer service and was told that JP Morgan chas had unilaterally closed this account as well as my other chase credit card account # XXXX. 
When I asked was JP Morgan chase closed my accounts. i did not get any answer from customer service representative XXXX and his supervisor, except that theydecided to do close my accounts. 
XXXX my account were in good standing, not in default. I have always made payments on time. However, Chase had consistently discriminated against me based on racial bias in the past, and I have several current complaints against Chase with Financial Consumer Protection Bureau, I insist that the closure of my accounts by chase was in retaliation for my complaints of racial discrimination against me by chase to the Consumer Finacial Protection Bureau. The closing of my accounts by chase is unlawful retaliation for my complaints to Consumer Financial Protection Bureau and is a violation of federal fair credit act. ON top of that chase had closed my XXXX account XXXX year before its anniversary when they had to provide a free night state certificate for me XXXX. by closing my account now, chase is trying to avoid the expense of providing me with the said certificate. these actions of chase are illega.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is submitted for consideration as I have not received a response to my recent letter reference erroneous entries contained within my consumer credit profile at the XXXX, XXXX and XXXX consumer reporting agencies. These entries as currently reported are erroneous in nature and otherwise injurious to my true credit worthiness. Prior to initiating litigation in the United States District Court for the XXXX XXXX of Florida, I once again request assistance. Should my complaint continue to be ignored, I will seek counsel and initiate litigation to compel correction of my consumer credit profile. 

Pursuant to the provisions contained within sections 1681i ( a ) ( 1 ) ( A ) and 1681i ( a ) ( 5 ) ( B ) ( i ) of the Fair Credit Reporting Act, I request that the below listed entries be investigated for accurateness and thereafter deleted from my consumer credit profile as they are erroneous in nature and otherwise injurious to my true credit worthiness. Since my last dispute, I have written to all collectors/creditors. Most of these creditors have responded favorably. Please investigate ALL of my concerns. 

1. ) Chase/XXXX XXXX, account number XXXX ; 2. ) Chase/XXXX XXXX, account number XXXX ; 3. ) XXXX XXXX XXXX, account number XXXX ; Please be reminded that pursuant to the provisions contained within section 1681i ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act, your agency has an affirmative responsibility to investigate my allegations. Furthermore, following deletion and/or correction of the erroneous entries, said information may not be reinserted in the file without a certification that said the information is complete and accurate.
Upon completion of the reinvestigation process, and pursuant to the provisions contained within section 1681g ( c ) ( 1 ) of the Fair Credit Reporting Act, I request a full and complete summary of rights with disclosure be provided for my records and review. 

Your anticipated cooperation on this matter is appreciated. I look forward to hearing from your office within the next 30 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX the vehicle was in an accident and totaled. I called and informed them and asked how to proceed. My mom and XXXX XXXX  grand baby were hurt in the accident. On XX/XX/XXXX it was finally seen by my insurance company because the lady that hit her, lnsurance company hadnt done anything. We were in the middle of Covid off of work. On XX/XX/XXXX my insurance company cut a check for XXXX payoff on the vehicle and they received it on XX/XX/XXXX. They did not apply the whole amount I kept calling and finally got it corrected but they started showing my account as 60 late and on my credit I had never had a late payment. It was a one time on just that one account and in 7 years. I called multiple times asking for a courtesy removal of the late reporting as I had always been a good customer and the account after getting everything strait was paid in full and actually they were overpaid. This was a terrible time and hardship on our family with my XXXX XXXX XXXX mom injured and trying to fight hospitals and insurance companies to get everything taken care of. I know this was our debt and we have worked hard all these years and when trying to pay off it gets late charges that negatively impact us long term. I kept in constant contact with XXXX and kept them aware of every step. I understood that I was doing the correct thing when talking to customer service representatives. They show late in XXXX but say it was paid XX/XX/XXXX.
Product: Debt collection

Received a letter from XXXX XXXX XXXX XXXX on XX/XX/XXXX stating this is a debt collector. I requested a letter of validation with my wet signature. I received a letter with a copy of judgment which was filed XX/XX/XXXX from XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately 1. under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681 XXXX XXXX XXXX XXXX XXXX XXXX This is a charge off account. The balance on this account is incorrect It should indicate {$0.00} and why is it showing a {$640.00} balance that is seriously damaging my credit scores. Please delete this inaccurate information from my credit report. 
2. under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681 XXXX XXXX XXXX XXXX XXXX XXXX This is a charge off account. The balance on this account is incorrect It should indicate {$0.00} and why is it showing a {$940.00} balance that is seriously damaging my credit scores. Please delete this inaccurate information from my credit report. 
3. under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681 XXXX XXXX XXXX XXXX XXXX This account is in accurate Please reinvestigate this account and DELETE THIS IMMEDIATELY 4. under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681 XXXX XXXX XXXX XXXX XXXX XXXX Account unknown how do you verify this information this account is in violation it was reported without valid evidence 5. under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681 XXXX XXXX XXXX XXXX XXXX You can not report a late payment or a past due on a collection account this is a violation. Of the FCRA
Product: Mortgage

I applied for the loan on XX/XX/2021. To this day, XX/XX/2021, I have not received any definitive response to my application. Throughout these 5-months, numerous requests were made for additional information, even though that information was previously requested and provided. Every one of my requests for a date to conclude this process were met with reference to the " underwriters '' need for clarification and additional information. Last date for the settlement of his loan was XX/XX/2021, set by the Alliant representative. My inquiry on that day was rebuffed by the Loan Processor : " I am still waiting to hear back from the title company, I will be in touch as soon as I hear from them. ''
Product: Mortgage

In XX/XX/2005, I purchased my home through XXXX XXXX XXXX  at the age of XXXX. I received a good faith estimate from one of their reps, XXXX XXXX stating that my mortgage would be {$1200.00} with a fixed interest rate. When I went to closing, the mortgage was triple that amount with a very high interest rate and a 2nd mortgage company was listed throughout the paper work with an even higher interest rate. Initially, I denied the purchase because of the false information I had received. After 3 of the members at the table, along with my realestate agent, informed me that I could always refinance, I decided to proceed. It's been 14 years since I purchsed. My mortgage turned out to be an ARM and I've been denied the opportunity to refinance numerous times. The mortgage has been transfered numerous times and XXXX XXXX is now CLOSED. I've contacted Mr. Cooper for a reinstatement balance including lawyer fees, NO CALL BACK. I requested refinance options, NOTHING. I left 2 messages within the past 3 days, NO CALL BACK ... Please help me!
Product: Bank account or service

I disputed charges on my credit card since XXXX 2012 .The bank responded with a letter of investigation that I should exercise patience within XXXX days for the merchant to respond and I waited.. After XXXX days I contacted the bank about my disputes, to my surprise the bank said that the merchant had not respond back and sometimes it takes XXXX days. XXXX was never given a temporary credit as the law requires and till today .Before the XXXX days, I lodge a complaint with the bank again with their escalate department and I was told that the matter had been resolved in my favour and I should be expecting the refunds in my account soon within XXXX days.and they are only waiting for their manger to give the apprpval .I sent faxes, made calls and visit branches and they refused to credit my account.I was advised by the court to lodge complaint to your office XXXX before I sue them if the matter is settle.Please kindly use your good office to intervain maybe the matter could be settle.Thanks for your cooperation and assistance.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXXXXXX XXXX XXXX which falls under XXXX  according to XXXXDebt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Product: Credit card

Please see below letter to Citi Customer Service - Subject : Fraudulent Charge Dispute Citi XXXX XXXX Account Ending in XXXX Dear Citi Customer Service, I am writing to formally dispute a fraudulent charge on my Citi XXXX XXXX  account ending in XXXX. I noticed this unauthorized charge on my statement dated XX/XX/XXXXXXXX  and want to ensure this issue is resolved promptly. 

Fraudulent Charge Details : Merchant Name : XXXX XXXX XXXX XXXX CAN Transaction Date : XX/XX/XXXX Charge Amount : {$1300.00} This charge was not authorized by me or any authorized users on my account. I have no prior relationship with this merchant and did not make or benefit from this transaction. I have proactively taken steps to secure my account, including reporting this matter to your fraud department on XX/XX/XXXX. Despite my efforts, the issue remains unresolved after eight follow-up calls. My most recent calls were on XX/XX/XXXX, and XX/XX/XXXX. 

During these conversations, I was informed that while the charge is noted as disputed, representatives are unable to process the dispute because the transaction was associated with a previous card number. This explanation is both confusing and frustrating, as I had expected Citi to provide a resolution regardless of the card 's status, given the fraudulent nature of the charge. 

Under the Fair Credit Billing Act ( FCBA ), I request that Citi : 1. Investigate and reverse the fraudulent charge.

2. Confirm in writing that my liability is limited to {$50.00} or waived entirely, as required by law.

If further information is needed, please do not hesitate to contact me at ( XXXX ) XXXX or XXXX. 

Thank you for your immediate attention to this matter. I look forward to resolving this promptly. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX Balance : {$11000.00} XXXX XXXX Balance : {$11000.00} XXXX XXXX Balance : {$11000.00}
Product: Credit reporting

I filed a complaint on Experian in a previous complaint. The complaint # is XXXX and it is still open. The CFPB responded Experian has provided a partial response. I have pasted their response below. In their response they say they will contract the data furnisher. This item was already disputed several weeks ago by me and denied by Experian as they stated they validated its accuracy. I put this in my original CFPB complaint. My question to the CFPB is why does Experian need and why are they being permitted to do another dispute and contact the data furnisher if they did this when they denied the dispute a few weeks ago?? If the CFPB reads the Equifax response, it does not address my complaint. This looks to me like a auto response or a form letter. This is exactly what is wrong with Experian. 
I am asking the CFPB to immediately require Experian to provide me with the documentation they used to validate the XXXX XXXX item on my credit report. This documentation must include the original creditor documentation for the account being reported and documentation showing the exact date the account went delinquent. 

Below is the Experian Auto Response Thank you for submitting your complaint on XXXX XXXX, 2016, through the CFPB Complaint Portal. We appreciate consumers who take the time to let us know about their experiences with our company. 
We have reviewed and considered the information you have supplied through the CFPB portal and directly to Experian. At your request to begin an investigation, we are in the process of contacting the data furnisher to verify the accuracy of the information with which you disagree. Please note that an investigation may take up to 30 days. Upon completion, the result summary will be provided directly to you for review. 

For additional assistance, you may call the toll free telephone number provided on your personal credit report obtained directly from Experian, or write to Experian at XXXX. XXXX XXXX, XXXX, TX XXXX. For more information regarding your credit and frequently asked questions, you may visit XXXX. 

Thank you for submitting your complaint through the CFPB Complaint Portal. It is our policy to respond to consumer complaints swiftly and to take each complaint seriously. We appreciate you letting us know about your experiences with Experian.
Product: Money transfer, virtual currency, or money service

My name is XXXX XXXX. This past weekend I had logged onto CEX.io 's bitcoin exchange in order to buy some btc. I made two transactions totalling around XXXX dollars worth of btc. It was supposed to have been delivered to my XXXX XXXX wallet but it never was. In fact, the wallet address on CEX 's own site was never even funded. I checked on the XXXX. So, Monday rolls around and I get an email from them saying that there was " suspicious activity '' on my account and that is why I haven't received my btc. Well, it's possible that I accidenly left my VPN on, which wound make it seem like I was not in the country. I explain all of this to them and without even replying to me, now I can't even log on to my account there. Like they suspended my account or something. I just want what is rightfully mine. I used a credit card in my name to purchase the btc. Thank you for your time. 

XXXX XXXX XXXX
Product: Debt or credit management

I was contacted via usps by Wakefield and associates in XXXX of 2023, about a debt, I mailed a request to validate the debt as it is completely unknown to me, the validation request included a request to cease and desist if validation could not be provided. Wakefield and associates continues to call me without ever providing proof of debt, as well as report to my credit.
Product: Debt collection

I have been trying to resolve this problem for months with no avail. I have been disputing the validation of this debt due to the fact I do no owe it and it is not my account. This is my second complaint. I advised the company the debt was not mine, the sent back inadequate proof that it was with information that does n't match mine, I offered to even settle on the account just to get it off my credit report, which they agreed, and then never returned my calls when I left messages on the number they provided for me to call. I have filed an identity theft report with the FTC and sent it to the credit bureau and again disputed the debt and they still refuse to remove it from my credit report.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft the information listed below, which appears on my credit report that does not relate to any transactions that I have made is the result of identity theft. Please delete.
Product: Mortgage

I was researching different lenders and I came across Rocket Mortgage. From the looks it seemed like they were very reputable. I went through the steps and the had the option to do a soft pull to see where you would be in the application process. A chat then popped up and a lady asked me to verify my identity with my last 4 after I gave it to her my phone lit up with all the notifications she had pulled my credit without my authorization. I asked her what and why she did that. She continued to say that she did tell me she was going to pull my credit. And then hung up the chat. I am very strategic about what I allow and dont on my credit and this was a violation of my rights. After speaking with a manger they acted as if there was nothing the could do.
Product: Credit reporting or other personal consumer reports

When I checked my credit report today, I saw unauthorized inquiries that I didnt expect. After refreshing my browser and trying to troubleshoot, the discrepancies stayed. Im very frustrated, and Im asking for immediate attention to the documents Ive sent so this problem can be fixed once and for all.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed numerous disputes with Experian. Every time Ive called or checked on their website about a dispute, Im always told that the creditor says the information they reported is accurate. That tells me Experian didnt investigate at all. A creditor is suppose to provide documentation to verify their claim and usually the consumer gets something in writing in regards to the dispute. Ive disputed the same items with XXXX and XXXX and the creditors take action. Ive asked a few creditors why didnt they update my Experian report and was told they never received any kind of dispute from Experian. Experian is in clear violation of FCRA by not making my creditors verify the debt, check payment history for accuracy and actual debt owed
Product: Credit reporting or other personal consumer reports

I am writing to you today to once again dispute some accounts that appear on my credit report. As I mentioned in my previous letter, I have been a victim of identity theft, and several fraudulent accounts were opened in my name without my knowledge. I already forwarded the required FTC report to the company and they have acknowledged that these accounts were fraudulent and have removed it. However, I have noticed that your bureau has continued to report these accounts, even though the other credit bureaus have already removed them. I would like to remind you that as a credit bureau, you are required by law to ensure that your records are accurate and up-to-date. By failing to remove these fraudulent accounts, you are not complying with the law and are putting me at risk of further harm. 

XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX