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

Chase bank closed my 4 personal credit cards and my personal checking and personal savings account. They have not closed my business checking or business credit card. Out of the blue they closed everything!! I have never been late, I make all my payments on time and I have been a great client for years. I have spent several hours with several different employees for Chase. I was at the bank in person for 3 1/2 hours today. They do not understand why everything was closed down either. The branch manager with some senior advisor on the phone discussed my account in detail and every transaction for the past four years. They do NOT know why accounts were closed and cant get answers either. Everything states Chase decided to terminate relationship with me. This decision is irrevocable and I may never established an account with Chase again. However, my business accounts are still open and functioning. My automatic payments are now being declined and chase is going to cause my credit score to drop with explanation of any kind.
Product: Credit reporting or other personal consumer reports

Hello, Sir/Madam. 

I have been the victim of identity theft. I recently discovered that my personal information was used to open an account with the original creditor, Credit Ninja. 

I did not open or authorize this account, thus I request that it be closed immediately. I also ask that you absolve me of any charges on the account and take all required steps to remove information about this account from all records as soon as feasible!!!! 

A copy of my Identity Theft Report, which backs up my claim, is provided, along with copies of my Clarity Report and FTC ID Theft Report. 
A copy of the CFPB 's Notice to Information Furnishers is also given, which details your responsibilities as a provider of information to credit reporting bureaus. As a furnisher, upon receipt of a consumer 's written request accompanied by an Identity Theft Report, you must stop providing identity theft-related information to any CRA. 

The Notice also specifies your responsibilities when a CRA tells you, in accordance with Section 605B of the Fair Credit Reporting Act, that the information you provided to the CRA may be the result of identity theft. 
These responsibilities include refraining from providing inaccurate information to any CRAs and not attempting to sell or transfer fraudulent debts to another party for collection. Please investigate this problem, deactivate the account, clear me of any charges, adhere to the Fair Credit Reporting Act 's obligations, and send me a letter describing your findings and actions. 

IN ADDITION, I HAVE EMAILED, CALLED TO GET THIS ACCOUNT REMOVED WITHOUT FAIL AND THEY CONTINUE TO LIE LIE LIKE BUTTERFLIES!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent letters in about the account that I wanted removed. I have rights under 15 USC 1681. XXXX, experian, and XXXX is govern by 15 USC 1681 and they have violated my rights numerous of times. I demand the account listed below to be removed because Im trying to build my credit and get a house and this one account is holding me back. according to 15 USC 1681, I have the right to privacy and I did not give XXXX and XXXX and experian a written perission to furnish these account. 

please remover this from my accounts please # XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that these items were erroneous. The Credit Bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/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
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attempted to contact the credit agencies to inform them to lift the freeze and fraud alert on my credit file because I am trying to get a car finance and they are unable to access my credit report. Please remove any blocks or holds on my XXXX, XXXX, and XXXX reports. 

Please add my contact telephone number to my credit report : XXXX
Product: Checking or savings account

I mailed the check, in the amount of {$2100.00}, and addressed to the payee XXXX XXXX, at a USPS mailbox on XX/XX/2022 ( check number XXXX ). It was cashed on XX/XX/2022. This check was for rent, and I assumed my landlord cashed it. My landlord called me on XX/XX/2022, to tell me the check never arrived at her house. I went to see the check transaction on my Chase account and saw that someone I don't know, whose name is different from the payee, signed the back of it. The check was stolen and cashed by this person. 

I called Chase and was directed to complete a Declaration of Unauthorized Endorsement or Altered Item form. Even though my landlord mailed the form in on XX/XX/2022, Chase never received it. My partner and I, therefore, went to a Chase branch on XX/XX/2022, to submit the form in person. They accepted the claim but said that the other bank ( I believe, XXXX XXXX  ), where the stolen check was cashed, is responsible for payment. Chase followed up on XX/XX/2022, with the other bank. The other bank has not responded as of XX/XX/2022. I have included all the documentation of this claim : the Declaration of Unauthorized Endorsement or Altered Item form with the image of the stolen check with the thief 's signature. 

As can be seen on the check image, the routing number of the receiving bank of my stolen funds is XXXX. The account number where the stolen funds were deposited seems to be XXXX.
Product: Debt collection

MERCHANTS CREDIT GUIDE has failed to validate an alleged debt after submitting a written affidavit requesting validation via certified mail. They have infringed on my private information as well as my XXXX private information including medical record number and date of a major surgery. This is a major HIPPA violation because I have never done business with MERCHANTS CREDIT GUIDE yet they have attached a false medical debt to my consumer reports defaming my reputation, name and brand. I have never signed a contract with this corporation & have no idea how they gained access to our personal private medical information. They have committed identity theft according to federal law and have given me health and marital problem due to their illegal tactics. My request has gone ignored for a month now & I am enforcing the law. A final notice of default has been sent to the company via certified mail. Complaint is also being forwarded to HHS.gov.
Product: Credit reporting, credit repair services, or other personal consumer reports

I hope your day is going well, but I need your help. I noticed some inaccurate accounts on my credit report. I did some reading on the internet about credit reporting laws, and from my understanding if a consumer finds errors on their credit report, they have a right have them fixed, right? I got this information from theFTC and here on the website here. This incorrect information on my credit report is causing problems when I try to apply for credit.I reached out to each account on here and just can't get anyone to help me. They keep sending from one person to another. I have been dealing with this for a whole month now. XXXX XXXX XXXX XXXX XXXX I am doing this on my own behalf and really need someone to help me with this.
Product: Debt collection

" I signed up for a trial membership at XXXX XXXX when I first arrived in XXXX. I went a few times during the first month, but after the trial period ended, I never went back. Apparently, XXXX XXXX continued to bill me and eventually charged me {$250.00}, which was sent to a debt collection firm called Aldous & Associates , PLLC. I believe this firm operates like a legal loan shark. I contacted them through the XXXX, but they told me they won't make any concessions. I'm aware that they probably bought this debt for around $ XXXX. I'm frustrated with both XXXX XXXX  for charging me for a service I didn't use and Aldous & Associates , PLLC for being difficult to communicate with and unwilling to negotiate. They have no email address for contact, and I didn't receive any response to my letter, only a message via the XXXX that never reached me. I don't want to communicate by phone because it's hard to prove anything later on. Ultimately, I want this debt removed from my credit report without making any payment. If that's not possible, then I want a reduction in the debt and a written confirmation from Aldous & Associates , PLLC that the debt will be removed from my credit report. ''
Product: Vehicle loan or lease

The car was repossessed by law enforcement. During the negotiation process I was not makin payments until a decision was made due to the fact it was no longer in my possession. The lender calls me one day and claims that there was a court date which I was never appointed to, explaining that a sale took place an the bought the car back but wants me to still be responsible for the entire debt. Mind you all my payments were current prior to the repossession situation.
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. 

DPT EDXXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 crime 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Student loan

I am writing to express my frustration with the credit reporting practices of Fedloan Servicing. After I reapplied for an income-based repayment plan my payment increased significantly. I did not have the means to make the new payment. As I was trying to figure out my options for repayment Fedloan Servicing reported my account as delinquent. I was never contacted by Fedloan Servicing about my delinquent account. 
To my dismay, I discovered that my credit score dropped over XXXX points because of a negative report from Fedloan Servicing. I went from a credit score that was in the high XXXX to a credit score that was is in the low XXXX. I inquired with a credit bureau about why my credit score was so low. I was unaware that my federal loans were never consolidated when I transfer by loans from a XXXX XXXX back to the federal government. As I understood it my loans were consolidated under XXXX XXXX, but when I transferred them to the federal government they were somehow unconsolidated. According to Fedloan Servicing, I have XXXX outstanding federal loans. Fedloan Servicing reported a late payment for each loan. I now have XXXX negative reports! I no longer qualify for any type of credit! I was planning on buying a home this year but my dreams are dashed by this simple mistake! I am not sure how long I have to wait until I am creditworthy in the eyes of a mortgage lender. Despite buying a home I can no long obtain a fair deal on any credit. As I understand the negative report will stay on my credit report for seven years! 
I believe this an unfair practice. Most if not all consumers paying back their student loans to one servicer for student loans owned by one entity i.e., the federal government would think that their single payment to a servicer constitutes payment for the outstanding balance of the loans borrowed while in school. I believe most do not understand that the loans may be treated separately and that a late payment could result in the servicer reporting a late payment for each individual loan. Servicers of student loans should disclose that a negative report will be submitted for every outstanding loan if you are late on a payment. I was stunned that my loans were not considered to be consolidated although they are owned by the same entity. Fedloan Servicing and other student loan servicers should disclose to consumers when their loans are n't consolidated even if the loans are owned and or serviced by one entity and, as a result, a negative report to a credit bureau will show a negative report for every individual loan. This has indelibly affected my ability to obtain reasonable credit offers for several years!
Product: Debt collection

Repeated calls. I asked for constant to stop and send info via mail. Repeated texts from multiple different numbers. They say the only way I can get them to stop calling and texting me is to give them my full name, address, and full social security number.
Product: Credit card or prepaid card

Citi double cash credit card refuses to resolve 2 dispute charges and wont acknowlege my response to a merchant who allegedly fixed my car yet it was so dangerous to drive that I had to purchase another vehicle Citi credit card wont resolve my dispute and is giving the merchant the amount that was charged I refuse to pay the merchant and Citi can pay the merchant for their gross incompetence and negligence
Product: Credit reporting or other personal consumer reports

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

Consumer Name : XXXX XXXX XXXX XXXX Social Security Number : ( Private SSN ), Consumer Date of Birth : ( Private DOB ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card XXXX  on XX/XX/XXXX in the amount of XXXX under the account XXXX, XXXX XXXX XXXX  on XX/XX/XXXX in the amount of XXXX under the account XXXX, XXXX XXXX on XX/XX/XXXX in the amount of XXXX under the account XXXX, XXXX XXXX opened on XX/XX/XXXX in the amount of XXXX under the account XXXX and XXXX opened on XX/XX/XXXX in the amount of XXXX, XXXX XXXX XXXX ( XXXXXXXX XXXX  ) opened on XX/XX/XXXX under account # XXXX in the amount of {$1100.00}, XXXX XXXX XXXX  opened on XX/XX/XXXX under the account XXXX in the amount of XXXX, XXXX XXXX opened on XX/XX/XXXX under the account # XXXX in the amount of {$910.00}, XXXX XXXX opened on XX/XX/XXXX under account # XXXX in the amount of XXXX and auto loan from XXXX opened on XX/XX/XXXX under account number XXXX in the amount of {$21000.00}. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing in my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the fraudulent items. I do not recognize the accounts, collections, or hard inquiries as reported. The accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit card

I am a customer/consumer of the financial institution Synchrony Bank and its subsidiaries/parents/affiliates/etc.

PRIVACY Title 15 U.S. Code 6801 states, It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information, and that the financial institution shall protect against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to any customer. Synchrony Bank is a financial institution by definition in this Title, and its failure to abide by privacy laws has both harmed and inconvenienced me. 

I provided opt out instructions to Synchrony Bank in XX/XX/year> via the online messaging center in my accounts portal. My instructions were not complied with, as evidenced by Attachments 1, 2, and 3, which are consumer reports showing my account information reported after my opt out notice. Synchrony Bank continued to report my personal information after receiving my opt out notice, which violated consumer privacy laws.

12 CFR 1016.7 ( h ) states, " A consumer may exercise the right to opt out at any time. I am now elaborating on my original instruction to eliminate ambiguity. Synchrony Bank does not have my consent to, and shall not, report, share, sell, give, or otherwise transfer my nonpublic personal information, from XX/XX/year>, to a non-affiliated third party or credit reporting agency. There should have been no furnishing of account information as of XX/XX/year>, and anything furnished as of the date is mandated to be removed ; inclusive of, but not limited to, balances, amounts, late payments, status, remarks, comments, highest balance, updated dates, last payment dates, etc. 

FAIR REPORTING Additionally, Synchrony Bank furnished information to credit reporting agencies while the account balance was still in dispute. Attachment XXXX shows the account was in dispute, still, as of XX/XX/year>, therefore, XXXX and XX/XX/year> information should not have been furnished. Furnishing information during those months was a violation of fair credit reporting 15 USC 1681s-2. Consequent to Synchrony Banks unlawful actions, I was denied when applying for a loan recently ( Attachment 5 ).

15 USC 1681n states, Any person who willfully fails to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00}. Synchrony Bank owes me {$3000.00} in civil damages : {$2000.00} for furnishing information to XXXX for XXXX and XXXX, and {$1000.00} for furnishing information to XXXX for XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Have tried to work with XXXX XXXX and Transunion over the past 8 months to fix problems related to 5 late payments that incorrectly posted to my credit report from XXXX XXXX credit card XXXX XXXX  car loan, and XXXX XXXX accounts between XXXX XXXX and XXXX XXXX. They have strung me along telling me months ago that I need to wait for the dispute process and they would get it fixed ... They did n't ... Then once it went over 60 days they declined and closed all my disputes out and I have been unable to reach anyone on the phone or via online requests to get this resolved. The facts are that the payments were posted late due to errors from the companies listed above not posting my payments properly via their online payment systems, which were down at the time and they advised penalties would not occur ... I tried to contact them between the months of XXXX XXXX to the present and have had no success, I heard that you all could help ... I have reached out and put in direct disputes that are now closed with all companies listed above and XXXX Transunion and XXXX and it was never removed or resolved from my account and its really hurting my credit from me being able to refinance my house or purchase a used vehicle ... Please help!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 contract XXXX debt were forgiven, the CRA is still reporting this false information on my report which is causing great harm to my credit worthiness. The company that forgave the debt in a written statement, stated this information should not be on furnished on my report.
Product: Debt collection

Crown Asset Management ( C.A.M. ) violated my rights as a consumer. 

C.A.M. did not give me the opportunity to exercise my right to dispute this alleged debt. I received a summons in the mail, and in the documents it showed that they tried to serve me face to face for a few weeks. The documentation was written by an attorney representing the company violating 15 USC 1692e ( 3 ) as stated an attorney or affiliation can not act as a debt collector. Looking at the information sent from C.A.M. under the Uniform Commercial Code Section 3-204, the name and the signature of both the beneficiary and the original creditor must be disclosed in the same document 3-204 ( d ), but Crown Asset Management and my signature are not found together on any document. However. C.A.M. continues to unlawfully seek litigation against me having no first hand knowledge of the consumer credit transaction that took place which is a violation of 15 USC 1692e.2 ( a ) ( b ) according to the FDCPA. C.A.M. has tainted my reputation by bringing litigation to my name!
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/XXXX a dispute was placed with equifax into information on my report that was in correct. I have allowed 30 days and still have not heard anything back from the agency. I wish to have this resolved as soon as possible because im looking to purchase a new car for my family.
Product: Credit reporting, credit repair services, or other personal consumer reports

1. EQUIFAX has violated the FAIR CREDIT REPORTING ACT ( FCRA ). 15 USC 1681 : SEE ATTACHED DOCUMENTS a. Affidavit of Truth- Copy to company was Signed and Notarized b. Copy of item on Credit Report c. Invoice d. Copy of Certified Mail Receipt