23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

On XX/XX/XXXX I opened a joint family checking account with Chase to take care of my mother 's estate who had just passed. On XX/XX/XXXX, I realized that my chase mobile was locked due to suspicions of fraud. On XX/XX/XXXX, I visited a Chase branch to resolve the matter and was told the issue would be resolved within 24hrs. On XX/XX/XXXX, I visited another Chase branch as the issue was not resolved. I was reassured that it would be before the end of the business day. On XX/XX/XXXX, I realized I was still locked out of both my Chase checking accounts, I called Chase phone banking and spoke to 4 different representatives. As they were not resolving the matter, I decided to visit the branch where I had opened the account. When I got there I was told the matter would be fixed. After 2 hrs since the matter was not fixed, I told them I wanted to close both my accounts with Chase. They refused to grant my request and instead had been arrested for trespassing. I was XXXXXXXX  overnight. I subsequently received an email from Chase telling me that my recent account had a balance of XXXX even though I deposited {$10000.00} at its inception and have never withdrawn money from that account. As of now I can not access my Chase account neither through Chase mobile or in personal as I have a trespassing order against me.
Product: Credit reporting or other personal consumer reports

After thoroughly reviewing my TransUnion credit report, I was shocked to find multiple errors that should never have been there in the first place. These inaccuracies are more than just minor mistakesthey are actively damaging my financial reputation and creating unnecessary obstacles. I refuse to let misinformation dictate my creditworthiness, and I am demanding an immediate investigation and correction. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that is both accurate and verifiable. If any of these disputed items can not be backed by solid evidence, they must be removed at once. This is not a simple requestit is a legal demand for compliance with federal law. I expect this matter to be resolved promptly. 

XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I received a letter from XXXX XXXX  that a XXXX credit product was denied because they were unable to verify personal guarantor 's identity. 

This request was submitted fraudulently. I proceeded to check my credit reports and found XXXX unauthorized fraudulent inquiries made by XXXX XXXX XXXX XXXX on XX/XX/2022 listed on both my XXXX and TransUnion Credit Reports credit reports. 

I have notified XXXX XXXX XXXX XXXX and the case # is XXXX. 
I have submitted Fraud Alerts to both XXXX and TransUnion.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified account indicated below continues to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus on XX/XX/23, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require this account to be authenticated ( A ). I will take legal action against them if they do not validate this account. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX : {$2.00}
Product: Credit reporting or other personal consumer reports

Attempting again to dispute with website.

New problem today.

Can't log in to dispute fraud.

" Username not found. '' ok so let 's start an account.

" can't create account, email in use '' ok. so let 's reset password " We were unable to find any accounts that matched the username you provided. If you don't know your username, click on " Forgot username '' below. '' Ok, so let 's forgot username. copy. paste : " We were unable to find .... '' same message impossible to speak to anyone on phone. just you try it. it's undeniably deliberate.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

Transunion has violated my right to privacy in accordance with 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

Transunion has violated my rights in reporting this account as they do not have written permission in accordance with- 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
Product: Credit reporting

In XX/XX/XXXX a false tax return was filed as a joint return in my name and someone elses i followed all procedures for reporting identity theft with all federal and local authorities. There is numerous false delinquent debts listed on all three of my credit reports i did previously contact one of the credit agencies nothing was fixed. In XX/XX/XXXX i received another attempt of id theft allegedly the IRS stopped it the thief was found and convicted yet nothing has been fixed on my credit reports preventing me from loans a house and several jobs. All documents supporting my case are available as public information from the federal case against the convicted individual who stole my identity
Product: Student loan

My student loans are in ferbearance which I understand is navients money making way out to help clients. I understand there is/was a large lawsuit against navient 2017 regardig these exact problems. The forbearance ended in XX/XX/XXXX. I had no notification in any form that this was happening. Therefore ended up getting hit with a 90 days past due on my credit. I then called immediately and brought account up to date. However, it was reported on 89 days it was not 90 days. Navients policy is 90 days. It should have been reported in XX/XX/XXXX and it was reported for sept. It was up to date as of XX/XX/XXXX.

Please help me!!!
Product: Credit reporting or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all accounts are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these accounts immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

As of XX/XX/XXXX I have been requesting proper verification such as contract for this account this company MIDLAND FUNDING has attempted to sue me in a state I no longer reside in nor have resided in as of XX/XX/XXXX. One case was initiated in XX/XX/XXXX in the state of New Jersey and another one on  XX/XX/XXXX. You did not give me any notice of these two account nor allowed me to properly dispute my information. I have been a XXXX XXXX XXXX since XX/XX/XXXX in the state of XXXX. Someone FRAUDULENTLY signed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Sent Experian a notarized affidavit signed by the bank. Requesting to be provided proof I consented to the inquiries via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or one, I would like it removed immediately. Experian has refused to provide the proof under the FCRA section 609, 605 as well as the accuracy via FCRA section 623.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reviewed my credit report, and there is information that I have discovered which is not mine, which I would like to immediately dispute and have investigated. I believe that I may be a victim of identity theft. The accounts and inquiries that are on my account that are not mine. 
I do not recognize these accounts, and have never incurred debt with these creditors. I do not know where they came from. Thus, I am requesting that you please verify the validity of these accounts and inquiries, and remove them once its confirmed that they are not mine.

I believe that someone else may have a relative that may have forged my name ( or used my personal information ) in order to take out credit without my knowledge, consent and permission. Therefore, please obtain all documents from any of these debts, and even if my signature appears on them, I ask that you review any notes, phone calls, bills of sale, and even compare my handwriting and signature, which I am certain you will see, is not mine. I would be happy to provide you with any handwriting samples you may need ( and my signature does appear on the ID theft affidavit/report that I am attaching ). 

It could also be possible you are mixing up these accounts with someone that has a similar name as me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Sent a Request to Validate Medical Debt. I requested three specific things 1. Please provide breakdown of fees including any collection costs and medical charges.

2. Provide a copy of my signature with the provider of service to release my medical information to you.

3. I request full documentation of what you received from the provider of service in connection with this alleged debt.

This Debt Collector failed to answer the three questions listed above. 
Instead they sent a vague letter stating " XXXX has verified this information with our client, and confirmed the outstanding balance of {$3300.00} '' The debt collector failed to provided breakdown of fees, XXXX XXXX or XXXX rendered, mover over they have failed to provide documentation that I gave permission for any medical or financial information to be provided to the current debt collector ( XXXX ). 
I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. XXXX has failed to Validate the Medical Debt. And they are in direct violation of HIPAA laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

The attached document account with XXXX XXXX XXXX XXXX XXXX is inaccurate , fraudulent, misleading, deceptive, not my account, and I did not give consent, permission, or authorization for the account documented in the attachment. The record shall be removed as it does not meet the follow, that I shall invoke for the removal of this XXXX XXXX XXXX XXXXXXXX account : Please remove all of the inquiries as stated above, as they are listed below from the Transunion report XXXX 

The Truth in Lending Act, the Fair Credit Reporting Act, the Equal Credit Opportunity Act, the Fair Credit Billing Act, the Fair Debt Collection Practices Act, the Electronic Funds Transfer Act, and the Fair and Accurate Credit Transactions Act, the right to invoke my constitutional rights, religious views, all applicable amendment rights, and other. The accounts I am disputing is attached below. 

This item shall be removed.
Product: Credit reporting or other personal consumer reports

XX/XX/year> XXXX XXXX XXXX XXXX XXXX, XXXX, NC XXXX Dear Equifax, XXXX XXXX XXXX, This letter is being sent to you in response to a recent charge that was made on my credit report that I dont recognize. 

Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and validation is requested. 

This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your office provide me with competent evidence that I have any legal obligations to pay. 

At this time, I will also inform you that if your offices have reported invalidated information to any of the XXXX major credit bureaus ( Equifax, XXXX, or XXXX ) this action may constitute fraud under both Federal and State Laws. Due to this fact, if any negative marks found on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character. 

If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time all collection activity must cease and desist. Also, during this validation period, if any action was taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listings of any information to a credit reporting repository that could be inaccurate or invalidated. 

If your office fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. 


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

XXXX is not reporting three paid off accounts from American Express, XXXX, and 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 15 USC 1681. 


Account Name : XXXX XXXXXXXX & Account Number : XXXX has violated my rights. Or list of inquiries 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 or other personal consumer reports

I want XXXX, XXXX and Innovis to send me pre-approved offers for credit cards and loans via XXXX XXXX, XXXX Mail or email. Full Name : XXXX XXXX XXXX, XXXX : XX/XX/year>, XXXX : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit report and noticed that Equifax and XXXX are both showing a duplicate account with XXXX XXXX account number is different on the report but it's the same account reporting twice. Both are showing opened the same month/year, the same amount for high balance and that they were both sold to XXXX. The account number XXXX the other one they are listing with the exact same information is wrong. It has been disputed several times and it still reports!
Product: Debt collection

XX/XX/2022, I received a phone call at work that I was owing a sum of money to a known payday loan company. I didn't recognise the name of that payday loan company and attempted to verify that the debt was real. The people on the phone rushed me and insisted that they were a legitimate legal collections entity and that they already contacted my bank to verify if the payment really did not go through. They then transferred me to a " lawyer '' that expressed if I paid {$500.00} right then and there that the client will be happy and leave this alone. So I paid the {$500.00}, giving my debit card information, I requested a receipt and they sent me XXXX from a strange " mail.com '' email address. and my bank statement showed an entirely different company that i paid this money to. I never received any contact again. 

Today, XX/XX/2022 XXXX EST, I received a call again from this same collections agency expressing that I have an amount owing to the payday loan company. I was confused because in XXXX, I was told that I already paid in FULL. But this time around, I am more confused about how I am owing {$5400.00} and that the payday loan company is willing to accept {$3100.00} to pay off the remaining balance. 

I do not remember taking any kind of loan from this company. I believe I was scammed in XXXX because I actually paid {$500.00}.
Product: Debt collection

I recently paid off my debt with GM financial and have a balance of XXXX which are the remaining balance of the late charges. I have let this company know I lost my job and have no income. At this time ans over and over again as well as getting repeated calls this is going against my credit. I can not get a release of the title or negotiate for less on the inflated finance charge. I have been told if this balance is not paid by XX/XX/XXXX it will be charged off and I still will not have the title to my car. The calls are repeated each day over and over,
Product: Payday loan, title loan, or personal loan

They call everyday with harassing threats and are very combative after making an agreement with them to make a payment on a certain day, due to hardships the payments are late. But I make agreements with them on a Monday to make the payment on Friday and get calls everyday till the day arrives. They are rude and hang up if you tell them about the agreement that was made. Then make threats of repossession. This is the worst customer service ever.
Product: Checking or savings account

On XX/XX/XXXX I contacted Citicards to check the payoff amount of my credit card. It was at that time that i was made aware that two payments i had made with my debit card had not been credited to my account. The Citicard representative then called Citibank via a 3 way call to verify the transactions. The Citibank representative confirmed that two transactions for {$500.00} each were deducted from my account but not credited to my Citicard account. The Citicard rep stated that there was no history of those payments. The Citibank representative advised me that " this could be easily resolved '' all i had to do was dispute those transactions. So i did that day. I was advised that i would receive a response in 7-10 days. And if it rool longer then i would be provided a provisional credit while citibank further completed rhe investugation. On XX/XX/XXXX i called to check the status of my dispute and i was advised at that time that an error had been made and the previous rep opened my dispute in the wrong department. So my dispute would have to be reopened. I was told again that the funds would be returned to my Citibank account. Today when I called I was told that yet again there was another error. And NOW I WOULD HAVE TO WORK THROUGH CITICARDS REGARDING THIS ERROR. Which made no.sense.since they have no evidence that those transactions went through. I need help getting my money back. They are not following there own policies and i recorded every conversation to validate my claim.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XX/XX/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
Product: Credit reporting, credit repair services, or other personal consumer reports

I am interested in processing disputes on my credit report with Equifax. checking my file ive noticed alot of inaccurate information that needs to be removed. review the files an clear my credit report asap.
Product: Credit reporting, credit repair services, or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 Account Name & Number : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. 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 or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX # XXXX XXXX # 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 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Student loan

I was reported 90 days past due on my student loan, I have never been late. I never received a written communication letting me know there was an issue with my payment. I was under the impression that it is a requirement for the Student Loan Servicing companies to communicate in writing with the borrowers regarding their loans.