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

Chase Bank lied in response of a previous CFPB complaint I submitted. The case was closed despite their lies and my documentation that they lied. I submitted a follow-up complaint making the CFPB aware that Chase Bank lied in order to have their complaint closed. To my knowledge, it has not been processed and my record of it has been removed from the system. 

This attempt at deceiving a federal bureau to assist in defrauding their customers warrants an additional complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

there are fraudulent accounts and inquires listed on my credit report, i am writing this to delete and remove those things off my report. i am a victim of identity theft i've already sent letters to try and solve this problem and it is heavily affecting my life. I've included my FTC report and identity theft affidavit along with the letter that I've sent to the credit bureaus
Product: Credit reporting, credit repair services, or other personal consumer reports

The XXXX XXXX account is being falsely reported in an attempt to re-age the account. 
Ive disputed this account numerous times with no change. The account should be deleted immediately for false reporting. 
They are reporting the last payment date as XXXX but charge off/XXXX date as XX/XX/2016. 
This should have been noticed if there was really an investigation into my complaints.
Product: Checking or savings account

We have attempted to access the PNC account to help us fund our mother 's expenses in a skilled care facility. We have attempted to gain access since XX/XX/year> and all our attempts have been rejected and no reasonable explanation has been granted despite our telephone calls and letters to the company. 
We sent two letters asking a DC that maturing on XX/XX/XXXX to be deposited into the checking account and no action was taken by the bank or response was returned to us... 
We also provided a POA that was also rejected with no reasonable explanation given. That POA has been accepted by other banks, other organizations and for the sale of real estate.
Product: Credit reporting or other personal consumer reports

Submitted request for verification of inquiries made and the inquiries are past the 2 year mandate time to be removed. See list of inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I need to update the phone number on my fraud alert. I've sent TransUnion a number of documents, and a number of requests, to change this. I need to change the phone number to XXXX. TransUnion has said due to glitches they need documents mailed in. They've received those documents multiple times and have still not resolved my issue. This is causing me many issues. I am hoping through here, we can resolve this.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an inquire still showing on my report that should have been deleted by law. Name of company is XXXX XXXX the removal date was back on XX/XX/2018 and still shows on my credit. I'm trying to buy a house and is affecting me on my eligibility for it. Thank you in advance for your help to this matter. XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I currently have an account with Stellar Recovery Inc for XXXX with XXXX. XXXX are charging me with giving back the equipment which I already did. I have my recent and XXXX still has n't changed the information. This account should have never been on my credit report and I 'm requesting removal.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the referenced accounts to the XXXX main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached XXXX Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per XXXX XXXX XXXX ( XXXX ) ( XXXX ) ( XXXX ). Moreover, you stated the account was verified as accurate by law XXXX XXXX XXXX ( XXXX ). Per XXXX XXXX XXXX ( XXXX ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within XXXX days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within XXXX days of receipt, as this has been ongoing for over XXXX months.
Product: Debt collection

I received a letter from National Account Systems ( XXXX ) XXXX stating that I owe about {$660.00} to the XXXX XXXX company. I called and visited personally to XXXX office and told them that the charges of {$660.00} is wrong and unjustified. I also told the XXXX XXXX company multiple times that these charges are wrong. Both XXXX and the XXXX management didn't provide any justification to these charges and nor they provided any evidences or replied to my emails. 
Now, suddenly I received a letter from XXXX that they sued me over this. I believe XXXX is using their legal knowledge and attorneys to earn this money from me by sending some legal notices. My background is Science and I am a neuroscientist so I have zero knowledge about these legal matters. Therefore, they are using their professional knowledge in a wrong way to earn money from me using wrongful means. I have all the documents and evidences that prove I disputed and raised my voice 10s of times to stop them but I guess they are totally unstoppable.
Product: Debt collection

This collection company which I have " NO Contract '' with is in violation of the FCRA. They have no legal right to collect the debt per the contract with the original company. Reporting of the debt is a violation of the FCRA.

Pursuant to 18USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15USC 1681b 2. Company also has NO permission to report ANYTHING using my info pursuant to 15USC 1681 4.

I have not supplied proof under the doctoring of the estoppel by silence.Engelhardt v. Graves ( mo ) 281 SW 715,719. I presume that no proof of the alleged debt nor therefore any such debt in fact exists
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, NC XXXX ; XXXX XXXXXXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/2022 ; XXXX XXXXXXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XX/XX/2022.
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. 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 an 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, credit repair services, or other personal consumer reports

I want the collections deleted. 

- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I XXXX XXXX Have a Fruad account appearing on my credit report. 

XXXX XXXX XXXX XXXX
Product: Mortgage

We recently changed banks so I am in the process of updating any accounts that we have set up to auto-pay to use our new account as the payment method. I am having some serious issues with our mortgage service provider, Dovenmuehle. I went onto the website to change out payment account. They do n't even offer an option to change, only to enroll or cancel. So I cancelled our current auto-pay and tried to re-enroll. This was 2 weeks ago. It gave me a message stating " Currently, there is a pending transaction in process. 
Changes may take place the following business day after XXXX CST. '' I checked back the following day and got the same message. I tried for 2-3 more days, getting the same message each and every day. So I called Dovenmuehle and asked them what was going on. They said they had to put in a help desk ticket, which is insane because all I want to do is change the account that I used to pay my mortgage. I ca n't imagine that every single time that Dovenmuehle has a customer wanting to change payment accounts that they have to put in a service ticket. 

Regardless, they told me I would hear back in 24-48 hours. It 's been over 3 days with no response from them, and still the same message on their website. So I just called back and wasted another XXXX minutes on the phone to be given the same run-around that they were working on it. 

I do n't think it is fair to have someone servicing mortgages that is not even competent enough to have a functioning website to accept payments. How can I make a payment to them when I ( 1 ) can not add a payment account and ( 2 ) can not get anyone there to do it for me?
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been dealing with this issue for sometime. With XXXX, XXXX and Westlake Financial. I told them that all my identities were driver license and Social Security card. I found out it was brother who passed away of drug overdose last year. I have documents from IRS showing Identity Theft Affidvat and showing after they investigated they proved it was Identity Theft. In the letter explain you will see why I didn't reported to police because if you tell on the wrong person in my neighborhood they will XXXX XXXX. 
Also, in XX/XX/2020 I wrote XXXX XXXX XXXX XXXX were they said I fill out the applicant to get a car. I also have attached the letter I mail to them came back return to sender. 
On XX/XX/2020 I sent a certified letter with return receipt to XXXX   and XXXX to inquiring about the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) that they are required by federal law to verify through physical verification of the original signed consumer contract. Under the FCRA, unverified accounts must be removed and if the credit bureaus are not able to verified proof and if they are unable to provide me a copy of verifiable proof, these items must be removed that are listed below. ( I have attached the letter I sent to XXXX requiring ) Will XXXX said that the verified it from Westlake Financial but XXXX didn't respond yet. 
1 ) XXXX XXXX ( both items were deleted 2 ) XXXX XXXX : was deleted 3 ) XXXX XXXX : was deleted by XXXX that put back on without proof. XXXX deleted it 2 months ago. 
None of the bureaus, creditors and collections have given me proof of what was ask in the letter attached. So, by law these items should be deleted if no proof was given. 
Also, I am veteran that is XXXX XXXX all my check goes to my children for child support. But Veteran Adminstration trying to get my flat to rent but with that item on my credit report is causing a lot damage. Please help a XXXX veteran.
Product: Debt collection

Kindly help me remove the fraudulent collection account in my account. I found out upon checking my account. I want this to be removed as soon as possible. Thank you. 

XXXX credit services account # XXXX date opened XX/XX/year>
Product: Checking or savings account

On XXXX XXXX I Made a transfer from savings in the amount of {$1000.00} to my checking on my mobile. 
I went to the bank at XXXX XXXX XXXX to retrieve the funds to pay bills and run errands. I attempted to withdraw the funds from the ATM -3 times. Each time I got a marigold box that popped up declining the ability to withdraw funds. I also got three emails /receipts information that the ATM transaction was declined and I couldn't process the transaction. On my mobile app, the monies were still in checking and so I figured since it was a holiday that maybe the ATM was out of money and would just try tomorrow. 

So, went home and logged back into my mobile app because I try and keep my ATM card locked as a standard until I go to use it. So, I logged in and the XXXX I transferred into checking was gone and it didn't go back into my savings either. I immediately called Wells Fargo in a panic to ask for help. They took a claim and said they had a department that handles these malfunctions and would pull the footage and audit the machine etc. and in 10 business days or sooner I would have it resolved. I felt somewhat upset and angered but my hands were tied and they said it happens. As I learned when they said it happens more than you know. As I learned when I XXXX it. So, I felt it would not be easy to wait 10 business days but I did. Today only be provided with answers if they won't give my money nor provide me with why or determination reasons. I know they didn't look at the footage or my emails their system auto-generates with receipts verifying I was not given any money. 
Today I called the branch manager direct and he opened a case with escalation. 
In the meantime, I now have no bills paid, XXXX to live on ..... 

This is cruel and nobody wants to look at the evidence which will prove my case. 

ATM FRAUD CASE FILED : XXXX Escalation XXXX ( Filed with branch manager based on that decision ) My monies should be protected from their inferior technology ... ... and accept they stole my money and refuse to provide any details. 

Attached are the receipts generated by WELLS FARGO declining my monies. Yet, the took the funds out of my account. ATM WITHDRAWAL AUTHORIZED ON XX/XX/29 XXXX XXXX XXXX XXXX XXXX AZ XXXX ATM ID XXXX XXXX  XXXX So, their own paperwork doesnt hold up to its accounting of my funds. Their system is defective and they wont assist or look at the evidence provided. Nor did they view the camera footage that will show the same as the paper trail of documents.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair reporting act the list of accounts below has violated my federal practice consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX  acct # XXXX, XXXX acct # XXXX, XXXX XXXX acct # XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX Acct # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX acct # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX acct # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX acct # XXXX 15 U S C 1681 section602 A states that I have a right to privacy. 
15U S C 1681 section 604 A section 2 it also reports the consumer reporting agency can not furnish account without my written instructions.

15 USC 1681c ( A*5 ) section steaks no consumer reporting agency may make any consumer report containing any of the following terms of information any other adverse item of information other than records of convictions of crimes which antedates the report by more than 7 years.

15 U S C 1681s-2 ( A*1 ) A person shall not furnish any information relating to a c Consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened a XXXX XXXX XXXX XXXX  account last year to help build my credit. XXXX as a company promised to help with a loan which you pay back to build credit of {$500.00}. you actually get a loan which is $ XXXX {$170.00}. i updated my payment option choice to there app and when it was time for the first payment to be withdrawn it never came out. i called customer service they said they would waive the fee and they updated the card and the one payment was forgiven the next month i added for an insta-loan, one of there other programs i told them to take both payments from the same card. XXXX XXXX choice to take from a XXXX card to make my payment arrangements instead of the one i requested an they had Technical difficulties for 2 months on my payment dates. they told me my account was delinquent but i could pay to have it in good standing. i was frustrated and agreed and paid i called customer and asked why is this reporting to my credit as late an collection they said that the system has already placed me in collections before my payment took process. there are numerous reviews on Trusted websites about XXXX messing up peoples reporting i think there a company just collecting data an no real purpose of helping rebuild credit.
Product: Credit card or prepaid card

Card number was taken without my permission and used to make purchases electronically in excess of {$16000.00} in XX/XX/2018. No attempts were made by the bank to flag or stop these unauthorized charges, and at no point was I contacted to confirm or deny the validity of these charges. It wasnt until I recieved my statement that I became aware of this fraud. I immediately disputed all charges with the bank and closed the account. I still recieved bills after the account was disputed and my credited has been adversely reflected due to this delinquent account. I have reached out to the banks fraud department countless time throughout XXXX, XXXX, XXXX, and XXXX and have gotten no results. I filed a police report in XXXX and forwarded to the fraud department for their records. I did not authorize these charges and should not be responsible for this debt under the Fair Credit Billing Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2023 Someone tried to open a credit cared in my name under a XXXX XXXX  fraudulently. i noticed on my credit report and in XXXX i called all threee credit bureaus.They didnt want to help me and remove the hard inquiry as i kindly requested. I dont even know what this bank is.i immediatly put a credit freeze and alerts on all of my accounts to prevent any further fraudulent attempts to run credit cards in my name.Please remove this hard inquiry from XXXXXXXX XXXX in XX/XX/2023 from all three credit reporting agencied due to fraudulent activities.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX and TransUnion was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to update immediately : XXXX XXXX Balance : {$280.00} ; XXXX  XXXX XXXX Balance : {$690.00}
Product: Mortgage

My mortgage was sold to Carrington Mortgage Services ( XXXX ) by XXXX. I had never heard of XXXX before. I had only received XXXX piece of mail from XXXX, and my payment was coming due, so I called XXXX to determine how to pay my bill and if it would be automatically drafted as it was at XXXX. They said the auto payments would NOT continue and I could n't set it up online and that I would have to fill out a form to authorize XXXX to pull the money on a recurring schedule. I made XXXX XXXX time online payments for XX/XX/XXXX and XX/XX/XXXX. Right after I made the XX/XX/XXXX payment on XX/XX/XXXX, I got a notice in the mail that they were going to auto-draft my payment on XX/XX/XXXX. I called them and asked them to cancel this, since I already made a payment. Also, I never sent in the form to authorize payments, but they said XXXX had sent the info to them ( is this LEGAL?!? ). The lady said she would cancel it as all they needed was XXXX business days to cancel it. Well, on XX/XX/XXXX, the payment was pulled from my bank account. I called them and asked them to refund my money immediately. They said it would take up to XXXX business days. I asked to speak to a supervisor, and I was transferred to a " senior specialist ''. I asked him if he was a supervisor and he said no. After speaking with him for a few minutes, I had to ask for a supervisor as this " senior specialist '' could not give me hardly any new information than the previous rep. 

I FINALLY spoke with a supervisor named XXXX ( ID XXXX ). She informed me that I am XXXX of XXXX clients who made double payments ( when in reality, I made XXXX payment, and they essentially stole money from my bank account without my permission ). She also mentioned that they " do this all the time '' ( meaning they buy mortgages ). It 's hard to believe they do this all the time, yet have no clue how to service these clients or accounts. This is a MAJOR error on their part. 

She said that she has to tell me it could take up to XXXX business days but will likely be less. I told her I work in the financial services industry and a standard ACH takes no more than XXXX business days. She said because they have to use an outside bank, it takes longer, but that my request has been expedited. And still with it being expedited, she could only give me a 15 day timeline. 

The customer service was terrible. They gave me wrong information on XXXX occasions - a. They told me my payment would not be auto-drafted b. They said they would cancel the auto-draft since I made a manual payment based on their previous information. 

It 's a shame they are stealing money from people right before XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. I did not open/authorize the above accounts.
Product: Credit reporting or other personal consumer reports

I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of accounts in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX