23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

Chase Slate credit card services, I have been a member of this credit card for at least 15 years, I NEVER MISSED OR MADE A LATE PAYMENT ON ANY OF MY CREDIT CARDS, HOME MORTGAGE OR ANY OTHER BILL IN MY NAME. THEY NEVER PUT THE INTEREST RATE ON THE FRONT PAGE, KNOWING MOST PEOPLE ARE SO BUSY IN TODAY 'S DAY AND AGE TO LOOK ON THE SECOND PAGE, AS I DISCOVERED LAST YEAR I WAS BEING CHARGED THE OUTRAGEOUS INTEREST RATE OF 28 % AND I HAD A CREDIT SCORE OF XXXX. I CALLED CUSTOMER SERVICE AS TO ASK WHY ( WITH ALMOST A PERFECT CREDIT SCORE ) WHY I WAS BEING PENALIZED WITH SUCH OUTRAGEOUS INTEREST RATE WHEN I HAVE EXCELLENT CREDIT????? OF COURSE THEY HAVE ME SOME LAME EXCUSE TO TRY TO JUSTIFY THEIR TOTALLY UNETHICAL PRACTICES!!!! I CHALLENGE ALL PEOPLE IN THE ENTIRE USA TO BOYCOTT ALL CHASE CREDIT CARDS AND SERVICES!!!! WAKE UP AMERICA AND BE HEARD!!!!!
Product: Credit reporting or other personal consumer reports

Equifax XXXX XXXX volation Privacy Act of 1974 ( 5 U.S. Code 552a ) / Fair Credit Reporting Act I recommend reading the ENTIRE act as it will only help your understanding but I am going to highlight a few examples.

15 U.S. Code 1681 - Congressional findings and statement of purpose a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for15 U.S. Code 1681a 15 U.S. Code 1681b - Permissible purposes of consumer reports Subject to subsection 15 U.S. Code 1681c 12 CFR 1022.3 Definitions15 U.S. Code 1681c 15 U.S. Code 1681e - Compliance procedures
Product: Credit reporting 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  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account XXXX : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX and 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 have contacted XXXX and Experian regarding three separate debts that are reporting on my credit report. They are not correct and causing me financial problems. 
I have asked that they investigate these debt to prove the validity of these debts and they have not done their jobs. In fact, they have allowed these companies to continuously report on my credit report illegally without validating them. 
XXXX XXXXXXXX # XXXX account information incorrect and must be deleted -XXXX XXXX XXXX XXXX XXXXXXXX Account information, incorrect, and do not belong to me must be deleted. this account was deleted previously and reinserted without my knowledge or me being informed within the five days I am permitted to dispute. This account must be deleted. I also have contacted the creditor, and they have not provided me any documentation, nor any itemize list in the amount of time. Violated FCRA Part ( A ) ( 5 ) B ) ii ) -XXXX XXXX XXXX XXXXXXXX Account balance incorrect account history incorrect account status is incorrect. I have contacted the original creditor, and they have sold it to another creditor, but are not reporting it to the credit bureaus this must be deleted.Violated FCRA Section 605 ( c ) Running of the reporting period
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted community bank regarding the validation of this debt and the accounting in question. I reached out to the collection manager, XXXX XXXX and I have not got a response, I have requested an original consumer contract not a photo copy and they failed to provide an original consumer contract with my signature and another signature by community bank they just provided me with photo copys, they stated that XXXX and XXXX are the ones handling the account I called and spoke to the president at the headquarters office located in XXXX New York & I was told to stop calling and stop mailing the about the account and they stated they have no business with me. By federal law a contract is binding with 2 wet ink signatures. I do believe the account is fraud because I did not give authorization without my permission to withdrawal from my account of treasury. They assured me they are not longer handling the account but they are still reporting to my credit account as delinquent.
Product: Vehicle loan or lease

On XXXX XXXX, XXXX, I was returning to work when my car just shut down with no warning. I called roadside assistance and had the vehicle towed to XXXX in XXXX, XXXX XXXX The next day they called and towed me my motor was gone in my car. I could not believe what they were saying. I asked how. The lady replied, " A rod was blown. '' Immediately upon this diagnosis, I had the car towed to XXXX XXXX XXXX, XXXX XXXX They told me the motor was gone as well. My service advisor said the engine filter was wet. I was informed I caused the damage and my motor will not be covered under the XXXX mile powertrain warranty. I purchased this car as XXXX from XXXX XXXX XXXX XXXX XXXX XXXX or XXXX miles already on the car. Now XXXX XXXX says I owe that balance regardless of what is going on. They even told me if they repossessed the car and resold it they will NOT close the account on my credit report and will report it late for the term of the contract.
Product: Debt collection

I received the bankruptcy discharge statement dated XX/XX/2019 stating that this debt was discharged without payment. The company on this discharge was called XXXX. 

I have been receiving emails from Navient about payments since XX/XX/2019. 

I contacted Navient and told them the debt was discharged. I faxed them the paperwork on XX/XX/2019 showing that the XXXX debt was among those discharged in my bankruptcy claim. They haven't responded except to say that my payments are going to increase.
Product: Debt collection

On XX/XX/2021 I mailed a debt validation letter to RMP Services Inc ( First Scan  ) due to their reporting on my credit reports. The scanned letter is not the original. My thumbdrive malfunctioned and I lost the original so I recreated it from notes I had saved. I asked to see their license to collect in my state ( Minnesota ). I asked if this alleged debt was bought or transferred. I asked for their registered agent of service. 

On XX/XX/2021 I received a response back from RMP Services LLC ( Scan Two ). Contained in their response they sent my personal or someone else 's personal medical information. They did not include a signed HIPPA release allowing them to have this information. They completely ignored my demands to see a contract reflecting that I owe them anything. I have turned the HIPPA matter over to The U.S. Department of Health and Human Services and the confirmation number for that is XXXX. They have failed to provide me with anything validating this alleged debt. 

On XX/XX/2021 I sent a response to RMP Services LLC demanding proper debt validation ( Scan Three ). I marked up the documents asking questions about the contents of the documents. I also demanded to see a signed HIPPA release.

I received a response ( Scan Four ) on XX/XX/2021 that was dated XX/XX/2021. This letter was sent to my mother-in-law 's Post Office Box even though RMP Services knows I live in Minnesota, and has corresponded with me at my Minnesota address. Why they did this is a mystery. The letter stated that they are not going to give anything further. 

I will be sending a response on XX/XX/2021 ( Scan Five ) I have put a CC on the letter for CFPB and the FTC. I have stated in this letter that if they do not properly validate this alleged debt or remove it from my credit report ( s ) I will escalate this matter to the Attorney General 's Offices of Texas and Minnesota. This letter will be sent certified mail via USPS and I will provide the tracking numbers upon request.
Product: Credit reporting

XXXX XXXX XXXX ran a credit check without my permission. I noticed this on my credit report so I disputed it and they claim it was accurate or " factual '' I had contacted XXXX XXXX XXXX last year when I noticed this on my report and they claimed that they never had an account or anything set up using my social security number or name. I did a search online and it seems like this is a fairly common practice with XXXX XXXX XXXX when individuals turn XXXX or so.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 I contacted Santander Consumer USA. I currently have a car loan with them and I wanted to verify that the payments I have made since the origination date of the loan have been reported to the credit bureau. I was informed by a Santander employee that the company does not report to the credit bureau. I was told that I could fill out a waiver to allow Santander to begin reporting to the credit bureau. I was given 3 different time frames that it would take to e-mail the form to me. The latest date was for Monday, XX/XX/2018. I did not receive the e-mail.
Product: Debt collection

This will be my 3rd complaint regarding Grant & Weber. Ive requested debt validation 3 times, the 1st time they sent a list of itemized charges, the 2nd time they sent a letter stating what they sent me the 1st time and this last time they have CLEARLY VIOLATED MY HIPPA RIGHTS. They sent copies of paperwork with my medical information plastered all over it! My medical record numbers, my SSN, and other very important medical information. This is clear violation of the HIPPA law. I did not consent for Grant & Weber go obtain any of my medical records at all and I will be filing a HIPPA complaint and Im willing to sue if necessary to the fullest extent of the law.
Product: Debt collection

This account was opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The XXXX XXXX AND AS XXXX account is not complying with federal law in regards to identity theft. Additionally, the creditor have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me. Since this is a strict violation of FCRA laws I need the account removed from my file. 


XXXX XXXX AND AS XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Finance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Finance XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX CARD SERVICES ( Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Finance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Finance XXXX XXXX XXXX XXXX XXXX XXXX XXXX Finance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Finance ) XXXX XXXX XXXX XXXX XXXX XXXX ( Finance ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Finance ) XXXX XXXX XXXX XXXX XXXX XXXX ( Bank ) XXXX XXXX XXXX  theses are inquiries that need to be removed from all XXXX credit agencies
Product: Debt collection

I closed my XXXX XXXX account on XX/XX/XXXX  after my XXXX contract expired and I moved to XXXX for better pricing and plans. XXXX sent a bill for the next billing cycle despite me closing my account. 

I disputed this several times with XXXX and reported XXXX to the XXXX, I have also joined class action lawsuits against XXXX as this has happened to many people over the years. I have not seen relief from either the XXXX nor the class action. 

XXXX maintained I owed them for the subsequent billing cycle and put negative marks on my credit for 7 years. Now that 7 years have passed, they sold the account to Jefferson Capital Systems LLC.

Jefferson Capital Systems LLC is trying to collect XXXX 's debt that is 1 ) incorrect and 2 ) past 7 years old. They email and/or call me daily. I have asked them to stop contacting me via email.

Per the FCRA, " consumer reporting agencies may not report outdated negative information. In most cases, a consumer reporting agency may not report negative information that is more than seven years old, or bankruptcies that are more than 10 years old. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Experian is reporting an item that has been paid in full and should be removed from my credit report. I am attaching the paid if full letter and the request from XXXX to remove this item from all credit reporting agencies.
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - {$1500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$1500.00} XXXX XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX {$65.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$590.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$860.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$93.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$2500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$630.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$420.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$460.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$520.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$310.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$310.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$690.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$400.00} XXXX XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$70.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$140.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$890.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$850.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1400.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$780.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$960.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$630.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1300.00} UNAUTHORIZED INQUIRIES XXXX XXXX Inquired on XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Dear Experian I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 

1. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX Account XXXX : XXXX Delete this account. 

2. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX XXXXccount Number : XXXX Delete this account. 

3. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX Account Number : XXXX Delete this account. 

4. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Delete this account. 

5. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX  Account Number : XXXX Delete this account. 

XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Delete this account. 

XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Delete this account. 

8. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Delete this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed the incorrect information on my credit file including the address and account in 2010 for XXXX that i does not belong to me now they not only am i constantly disputing i never grt more then its correct no documents to support their investigation and now dropped my credit score by 73 points while its in investigation this is cause great distress on my credit
Product: Vehicle loan or lease

I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The 3 Bureaus are reporting inaccurate information on SANTANDER CONSUMER USA. Per FCRA, reporting must be 100 % accurate or the information must be deleted. 

SANTANDER CONSUMER USA XXXX Balance {$25000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

COMPANIES Violated the law by allowing the two items below to be re-added to my credit report after they were removed without Sending me proper notification Item 1 : Judgement amount : {$2500.00}. This item was removed from my credit as a Judgment on XX/XX/XXXX after I challenged the item vigorously. It was then added back to my account on XX/XX/XXXX as a collection account owned by XXXX XXXX XXXX. This violates the law as stated below Item 2 : Collection account : XXXX XXXX {$50.00} This item was removed from my credit report after a vigorous fight on XX/XX/XXXX It was then re-added to my credit report on XX/XX/XXXX as XXXX XXXX In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing within 5 business days. ( B ) Requirements relating to reinsertion of previously deleted material ( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. I received no such notification. This is a very serious violation of the FCRA,
Product: Credit reporting, credit repair services, or other personal consumer reports

My purse was stolen from my car & all my personal information was in it. I have now noticed that someone has been attempting to open accounts in my name.
Product: Debt collection

coast to coat financial, XXXX, ca XXXX, phone number XXXX, reported collection account on my XXXX credit report, this account belongs to a friend that used my identity and from my good heart, I paid the amount owed on the collection account, amount of XXXX please have the collection company remove this report, this is a fraudulent account that was opened without my consent, my name is XXXX , I live on XXXX, ca XXXX, and the account was opened on XXXX, ca XXXX
Product: Debt collection

Around XXXX of 2019, I signed up for the low income internet program through XXXX called internet essentials. The bill was for {$9.00} a month. After about 3 months, the service was shut off due to bill lapse. I eventually received a notice requesting {$53.00} from Sequium collections. 
A year later, I noticed that my XXXX XXXX was significantly lower than usual at XXXX. Perplexed, I began investigating the cause. Upon closer inspection, I was able to take note that upon Sequium removing the collections for {$53.00} from my account, my score also subsequently dropped XXXX immediately after. 
I feel that losing XXXX credit points for a {$53.00} debt is a bit extreme.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX # XXXX XXXX Texas XXXX on a Credit Line Increse where I spoke with Asocciate XXXX and state I wanted to purchase a XXXX Laptop priced at {$890.00} upon XXXX going to the back to get the Laptop I spoke with another Sales Associate by the name of XXXX I explained to here that I wasnt really happy with the fact that the Laptop wasnt on display she explained that they couldnt open the box to show me because because it was sealed and i would have to purchase it to see it, also I asked XXXX if I could have the Laptop on a sperate account XXXX informed me that to do that XXXX would have to run my credit report again at that point I told XXXX that I didnt want my credit ran for a separate account so I would just add it to my other account. Shortly afteXXXX XXXX XXXX returned with the boxed laptop. I gave him my letter and he began to ask me for information such as my phone number, address driver license number and social security number it was never stated that he would have to run a credit report to see if I qualified since this is some of the basic information XXXX uses when you call in to identify you. I never gave permission Tom run my credit report since this is something that I didnt wat done since Im working on repairing my credit. When Associate XXXX informed me that I would have to do a lease purchase to get the computer I asked why since i was already approved for a credit line increrse Associate XXXX stated that he spoke with his manager and that was what was required, not understanding so I my fianc ( XXXX XXXX ) who was with me doing this event stated that i should call the corporate office so I did thats when I found out that XXXX had ran my credit WITHOUT MY PERMISSION. At this point i was very upset so I called XXXX and asked for the Manager XXXX and I stated my concern to hi at which point he stated he would talk to XXXX, unfortunately this does not help my credit score sine it will show up as a hard inquiry take will stay on my account for 2 years. At this point I need to know what can be done to have this corrected.