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

Upon reviewing my credit report I have identified certain information that is reporting incorrectly. Please make sure that the only information that is reporting in my credit report is the one mentioned stated below : My full name is : XXXX XXXX XXXX My correct date of birth : XX/XX/year> My correct Social Security XXXX My correct address XXXX XXXX XXXX XXXX XXXX, Florida XXXX XXXX employer is : XXXXXXXX XXXX XXXXXXXX Please correct this typographical information immediately as it portrays me as a person engaging in fraudulent behavior. Also please delete all telephone numbers that appear in my credit report, as I have been a victim of robo-calls.

Please not that I have opted out in writing to your forced arbitration terms and am willing to seek legal relief.

Under Section 611 of the FCRA ( Fair Credit Reporting Act ), I expect you to delete these negative accounts and provide me with an updated report within 30 days.
Product: Credit card or prepaid card

Applied for J C Penny credit card. My social security number was already used by a woman named XXXX XXXX. My application was denied. They would give me no information on XXXX XXXX other than her name. We contacted the fraud department for J C Penny to try to clear the matter up. The girl on the phone said that Social Security office often duplicates Social Security numbers. She did nothing to help. The person working in that department needs to be educated on Identity theft. She said to call our Social Security Office. I have been left on my own to try to resolve this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

Reinvestigation of every Inquiry listed below because I did not authorize that my credit be run like it was. This makes no sense to me at all! I want to know why these companies ran my credit report this many times, the way they did. This is definitely a violation of my rights in accordance with the Fair Credit Reporting Act. These items could not have been reviewed or investigated correctly, look at how many times my credit was repeatedly run back to back! 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 This is inaccurate reporting, which is a violation of my federally protected rights. I am really upset about this obvious oversite, and it seems as though someone is deliberately trying to ruin my credit. 15 USC 1681 section 602 A. States that I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : States that the consumer reporting agency can not furnish an account without my written instructions. I never provided any kind of written instruction for my credit report to be run like this. Someone should have noticed these mistakes other than myself! I am really upset about this type of inaccurate and negligent reporting. 15 USC 1681c-2 ( A ) ( 5 ) States that no consumer reporting agency may make any consumer report containing any of these items of information. My authorizing any company to run my credit report like this is False. 15 USC 1681s2 ( 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. This is this is apathy to me. It's also plain to see that no consumer would give consent to run their credit back to back like this, knowingly ruining their credit, especially me. Someone should be held responsible for this and deletions done immediately.
Product: Debt collection

Merchants & Medical Credit at XXXX XXXX XXXX XXXX, MI XXXX has been sending me collection notices in the amount of {$2400.00} and a second account in the amount of {$570.00}. the collections has been reported as past due balance, i do not know this company.i have never done any bussiness with this company, this company does not have a contract with my signature on it ... .....
Product: Money transfer, virtual currency, or money service

I sent a payment from my XXXX  account to my Wise USD account using Routing and Account number ( from XXXX account number ending in XXXX, to Wise account number ending in XXXX ). Before the payment arrived, they closed my account, and, since my account is closed, they refuse to let me contact them further about this issue. They have kept my {$200.00} and refuse to return it. This is theft, pure and simple.
Product: Checking or savings account

On XXXX XXXX I made contact with my cell XXXX to Bank of America and Rep stated to me on a phone recorded conversation that was recorded by BOA that my checking account ending in # XXXX was closed. 
I was totally shocked by BOA statement in closing my checking account that I had for almost two years. 
Also, I had a payment to California Franchise Tax  of {$50.00} and it was declined by BOA and now BOA has put me on default with State of California Franchise Tax Board. 
I explained details to California Franchise Tax, but it appears i will have a issue. 

So I made contact with US Senator XXXX XXXX on my issues and I am respectfully requesting a Federal Investigations against BOA. 
This is a Discrimination and Retaliation against me as a XXXX American XXXX XXXX XXXX, XXXX Lifetime, Retired and a XXXX XXXX XXXX Military Veteran. 
BOA violated my ADA Disability Civil Rights Act under Department of Justice. 
My filed complaints should be investigated by the ADA Department of Justice and the FBI. 

Also on XXXX XXXX with BOA recorded phone conversation with BOA Rep I was transferred to BOA of Texas and they have me listening to audios of procedures of BOA opening a new checking account. 
The new BOA checking account is # XXXX..Routing # XXXX with new Visa debit card been shipped to my home address in a week. 
My BOA Visa debit card ending # XXXX was eliminated by BOA.
Product: Credit card

My credit card accounts with US Bank were all frozen and later closed, $ XXXX worth of reward points were confiscated with no notice. I have never paid late or broken any of their terms and conditions.
Product: Debt collection

I have repeatedly attempted to get this company to delete this fraudulent debt off my credit report. I have asked them to send me a copy of the original signed contract and they have failed to do so. By law they need to produce an original contract with my signature. This has gone on long enough If they dont delete I will hire a lawyer and sue them for this fraudulent depth. They have also lied about sending my some sort of fraud paper work. It has never been sent to me. I have filed a police report and took all the steps to get this off of my report. Delete this fraudulent charge off of my report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian and XXXX continue to place false information on my credit report despite several disputes. Each time I dispute an account, the creditor submits different information and my credit file is updated with false and inaccurate information. Some items on my credit file have different personal information such as birthdate, however Experian and XXXX refuse to remove false accounts after dispute. My credit history has suffered due to this. Currently XXXX XXXX has been allowed to violate The Fair Credit Reporting Act by submitting false information while Experian and XXXX support this behavior by allowing XXXX XXXX to unlawfully raise my account balance and claim false late payments. This is apparent if someone took the time to read and compare information from the several disputes I have filed. Experian nor XXXX keep proper records as the personal information on file is not correct. I attempted to fix the matter, but It has yet to corrected and the inaccuracies remain on my credit file.
Product: Credit card

I paid everything off 100 % and they still charge interest every month!
Product: Debt collection

THIS ACCOUNT FROM XXXX XXXX XXXX FOR THE AMOUNT OF {$1400.00} IS AGGRAVATED FRAUD. I DID NOT AUTHORIZE OR REQUEST AUTHORIZATION OF THIS ACCOUNT LISTED IN THIS REPORT. MY INFORMATION HAS BEEN COMPROMISED AND THERE HAS BEEN SEVERAL ACCOUNTS THAT HAS BEEN ATTEMPTED TO OPEN WITHOUT MY AUTHORIZATION, AND HAS BEEN INSERTED INTO MY CREDIT REPORT WITHOUT PROPER VERIFICATION. THIS IS UNLAWFUL ACCORDING TO THE FCRA AND A VIOLATION 15USC1681. IM DEMANDING FOR THIS ACCOUNT TO BE REMOVED IMMEDIATELY FROM CREDIT BUREAU REPORT AS THIS IS AFFECTING MY BUYING POWER AND CHARACTER.
Product: Bank account or service

I 'm writing because I fell victim to a scam and my bank, CHASE bank, did nothing to protect me. I 've been a loyal customer for decades, no criminal record, and great credit ratings. I 'm a mother of XXXX and have realized that I need to get back into the work force to help my family. I began a job search ( online ) and received a job offer from XXXX. This job offer was not legit and ended up scamming me where I lost all my funds. My complaint is that Chase bank and their employees did nothing to stop it from happening. They heard my story on why I pulled out money and am now requesting a money order. They reviewed the account my " boss '' provided me and said it was okay to proceed. They, in the big picture, helped me hand my money over to the criminals. And after the fact, once I realized I was scammed, they did nothing to help make me whole again. They further ridiculed me and blamed me for falling victim. They have left my account in a negative standing without advising that I need to freeze it to further any additional fees from accruing. They then restricted my spouses personal and business accounts and advised they can not tell him why, it 's their policy. THIS IS NOT RIGHT! Not only has Chase tried to make me, the victim, look like the criminal but NOW they 've taken away my families livelihood. They made the mistake by not stopping the purchase of the money order. They made the mistake by not assisting their long time, good standing, customer with stopping the check from getting into the criminals hands. They made the mistake by not doing anything to help their customer get out of a horrible situation ; they 've actually made it worse.
Product: Mortgage

I XX/XX/XXXX I applied for a refi. for my home through US Bank in XXXX XXXX, MO. Despite a XXXX credit score at the time and having purchased the home in XX/XX/XXXX and received financing from another bank, the process took 4 months! During the process I was asked repeatedly to provide the same tax information ; including a visit to a local IRS office, with a 2 hour wait, using instructions from the bank, only to be told the information obtained was unacceptable to US Bank. The process did not conclude until XXXX. I feel I was discriminated against due to my being XXXX XXXX, it is hard to imagine the loaon process for all their customers would be so long and punitive.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax Dispute requested on XXXX/XXXX/2021. Dispute was not completed until XXXX/XXXX/2021, past the 45 day limit according to Consumer Credit guidelines.
Product: Credit reporting or other personal consumer reports

I submitted a dispute to Experian pertaining to my personal information and accounts XXXX XXXX XXXX XXXX and XXXX XXXX XXXX via certified mail ( tracking number XXXX ) received XXXX XXXX XXXX  I received confirmation from Experian that the dispute was complete. On XX/XX/XXXX, 31 days after my initial dispute was received, I generated another report from Experian ( proof attached ) to verify the changes made to my report. I sent another certified letter to Experian ( tracking number XXXX ) received XXXX to advise I disagree with the results and requested proof of negative payment history as well as a description of the procedures used to reinvestigate. Surprising I also did not see a clear note that the two accounts were in dispute by me. This is a direct violation of my rights under FCRA 623 ( a ) ( 3 ). 

In the initial dispute I provided a copy of my ID, a copy of ss card, a copy of a recent utility bill, and I have now notified Experian multiple times that the additional addresses and names listed are not valid. Again, another blatant disregard for the law under 15 usc 1681s-2 ( a ) ( 1 ) ( B ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I've tried Several different times to resolve this issue with experian there are serveral inccaurices one my personal information my consumer report such as addresses and inaccurate items attached to those addresses
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello there, My name is XXXX XXXX and I recently applied for a home loan. When the lender tried to pull my credit report, they noticed that Equifax report says that they can not fin my social security number on their records. I was suggested to contact Equifax which is where my nightmare starts.

I first contacted Equifax onXX/XX/XXXX to see if they have my social security on file and they confirmed they dont have the social security number that I am using for my work and credit card for the past 3 years. They suggested me sending a copy of drivers license and a copy of SSN card through FAX. I sent the documents on 3 separate occasions - on XX/XX/XXXXXX/XX/XXXXand XX/XX/XXXX. They did confirm receiving of document however they are not able to update my SSN on their files and suggested various solutions when speaking with different call center folks : 1 : Solution 1 : My SSN card says Valid for work only, try and get a SSN card that does not say this - I am on a XXXX XXXX and as per the social security administration which is also outlined here https : //www.ssa.gov/ssnumber/cards.htm the only type of SSN i can get is the one which says valid for work only. So this rules out the option of me being able to get a new card 2 : Solution 2 : Contact my credit card companies and have them send over the right information to Equifax. I contacted my credit card lenders - XXXX XXXX  and XXXX and both of them confirmed my personal details and SSN number and they are reporting these details to all credit reporting agencies.

So basically after 10-15 calls to customer service reps on Equifax and faxing of documents and confirming from my banks that they have my SSN on file, I have reached a dead end where I not sure what to do to just get my SSN on equifax records. Isint this the most basic thing that is needed for employment or for getting credit card? How can it be so difficult to just update the social security.

I am running against time and the possiblity of not getting a loan at all because of this issue and I still dont have any clue on why equifax doesnt have my SSN on records. Was it something related to their hack? who knows. WOuld appreciate help on this matter.

Thanks, XXXX
Product: Checking or savings account

I discovered today that someone hacked my payroll company and had money sent to a Chime account. I notified Chime of this fraudulent activity. They were totally uninterested. They asked repeatedly about transactions that I had authorized. I could not make them understand that none of the transactions were mine. They are all fraudulent and that the account needed to be inactivated. They refused to listen. I finally just hung up with no resolution. I guess they not interested in fraudulent activity as long as they are gettin their money.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX the talked to SPS select portfolio services to XXXX and another new rep. We are still having late issues regarding this account and a late reporting with XXXX please fix. XX/XX/XXXX the per attached pictures said late changed to current per SPS Last night XX/XX/XXXX SPS select portfolio services hit my credit with XXXX again saying its late see picture. This is taking tooo much time out of our lives This problem still exists and is not Fixed ... .not an isolated issue this is an ongoing problem
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit profile a few months ago and noticed there was multiple Fraudulent accounts on my credit profile. I contacted all of the accounts and i let them know that these accounts are not mine and in fact fraudulent due to identity theft. They asked me to reach out to XXXX, Transunion XXXX XXXX and i did. Neither company has responded nor removed the fraudulent accounts. I filed a report with The FTC.
Product: Credit reporting, credit repair services, or other personal consumer reports

this acct alredy pay 4 moth ago
Product: Checking or savings account

Opened an account with Wellsfargo. They were offering a {$400.00} bonus for opening an every day checking account with {$3000.00} or mor in qualifying direct deposits for the next 3 months. Its being 6 months of qualifying deposits for over {$3000.00} a month and theyve never given me the bonus as promised.
Product: Debt collection

In XX/XX/XXXX-XX/XX/XXXX, I 'd attempted to make payment arrangements with a representative of the company to begin to pay my debt. The first agreement was {$50.00} for two years until the year XX/XX/XXXX. I was unemployed and single mother. It was one month that I 'd asked the representative for lower payment ( {$25.00} ) just until I could get on back on my feet. The representative agree, but the company had still taken the original amount. Since it was an unauthorized payment amount taken, I 'd asked the representative for paper statements because I did n't want them no later to withdraw payments from my bank account. The representative refused and told me that they did n't have mailed paper statement it was only bank account withdrawal and if I 'd refused it would be a considered a breach of contract and my credit would be affect. I 'd still refused to approve him to continue to withdraw the payment, because they 'd breached contracted by withdrawing the more than I 'd authorized during this time. He 'd then stated that my account would still be considered valid and it would affect my credit. Since then, I 've tried to apply for credit and other loans to have better myself, I 've been disapproved every time and once I 've reached out to verify the account information as far as the balance, I 've not received any information. The account was originally owned by another creditor, in which they 'd bought the account, and I do n't agree with the amount and want to know how did they come with it. I 'd borrowed {$10000.00} from XXXX XXXX while I was a student at XXXX XXXX XXXX XXXX in XX/XX/XXXX-XX/XX/XXXX. The company is stating that I owe over {$24000.00}! I do n't think I 've accumulated that much interest. They are negatively reporting information to the three credit bureaus or missing information. Also, since this company ( XXXX XXXX XXXX ) had bought an original creditor ( XXXX XXXX ) 's account that was going through a federal investigation, I 'd received a settlement judgement that they did n't follow protocol with reporting information for servicemembers of Armed Forces. There 's also multiple accounts, but I 'm unsure which is accurate and why they 're not reporting any information and just keep reporting without sending me information to handle the matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have become aware that that the credit reporting agencies may not be in compliance with certain provisions of the Fair Credit Reporting Act ( FCRA ) and how it is reporting my credit information.

In accordance of the Fair Credit Reporting Act ( FCRA ) : 605. Requirements relating to information contained in consumer reports [ 15 U.S.C. 1681c ] ( a ) Information exclu
ded from consumer reports. Except as authorized under subsection ( b ) of this section, no consumer reporting agency may make any consumer report containing any of the following items of information : ( 1 ) Cases under title 11 [ United States Code ] or under the Bankruptcy Act that, from the date of entry of the order for relief or the date of adjudication, as the case may be, antedate the report by more than 10 years.

604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury.

( 2 ) In accordance with the written instructions of the consumer to whom it relates.

With subsections 604 and 605, the credit reporting agencies did not get the information of my bankruptcy from the State of Tennessee nor did I express that information to be made public in any expressed written agreement or statement. The three credit reporting agencies received my personal credit information from public records which they are not in compliance with the Fair Credit Reporting Act.

Fair Credit Reporting Act states the regulation and laws that govern the three credit reporting agencies, however the misuse of personal information for financial gain harms consumers. I could not find a place to stay because that was on my credit report and reduce my score. I find it very difficult that I can not find a place to call home in a reasonable area do to the inconvenience of the misuse of my personal credit information.
Product: Credit reporting or other personal consumer reports

I have attempted to contact Jefferson Capital Systems both by phone and mail. Despite multiple attempts, I have been unable to reach a representative via phone, and I have not received any correspondence from them regarding the original contract or any connection to the debt in question. The debt in question stems from an account with XXXX, which dates back over 7 years according to records. The initial collection attempt was invalidated due to a lack of proof of ownership. Furthermore, my account with XXXX was satisfied as it was absorbed by XXXX following a merger. 

I dispute the validity of the debt claimed by Jefferson Capital Systems, viewing it as an unjust effort to collect on a debt that ceased to exist upon XXXX 's merger with XXXX. I am uncertain if there exists any new or outstanding debt for which I should be informed. Despite my inquiries, Jefferson Capital Systems has failed to furnish any evidence to support or refute its claim.