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

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 account opened at XXXX XXXX, XX/XX/XXXX an auto loan account opened at XXXX XXXX on XX/XX/XXXX, a collection account opened at XXXX on XX/XX/XXXX with a balance of {$6900.00}, and a collections account opened at XXXX on XX/XX/XXXX with a balance of {$200.00}. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of 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 US 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 reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX } { XXXX XXXX XXXX XXXX { XXXX } { Credit Bureau. ALL 3 } { Credit Bureaus : ALL 3 } { XX/XX/XXXX  RE : Request for Investigation of Unauthorized Credit Inquiry Dear Sir or Madam, I checked my personal credit report, which I acquired from your organization on { XXXX. XXXX. XXXX  } and I noticed an unauthorized credit inquiry had been made. I contacted { XXXX }, who conducted the inquiry and asked them to remove their credit inquiry from my credit report. I request that you investigate the [ XXXX  ] inquiry on my credit report to determine who authorized the inquiry. If you find my allegation to be true once your investigation is complete, please remove the inquiry and send me an updated copy of my credit report at the address listed above. If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of completing the investigation. Thank you for your assistance in this matter, { XXXX XXXX }
Product: Money transfer, virtual currency, or money service

Account recovery fee was assessed when my account has not been recovered or needed to be recovered. I have had an XXXX account for over 10 months and should not have been charged to recover my account.
Product: Credit card

Ussa reported my credit card over the limited to the 3 credit bureaus. On XX/XX/year> They charged interest on the purchase causing my account to be over the limit and they reported on XX/XX/year>. I fund my account on XX/XX/year>. I don't understand why they are reporting before the 30-day cycle. Because of their report, my XXXX went down 8 points. 
I spoke to a teller and he told me the system is automated and that they can't fix the incorrect report on my account. I want that corrected, I want to know what my consumer rights on over their limited reporting. Could you pleas respond to my questions?
Product: Credit card

I have a problem with your page, it keeps kicking me out and I have to keep starting over. XXXX XXXX XXXX my account back in XXXX and nothing happened about my claim report regarding my information. I have filed many dispute on my credit report and nothing happened.
Product: Debt collection

Midwest recovery systems has placed a fraudulent collection claim on my credit report for a supposed loan which I did n't not received .I want this removed!
Product: Checking or savings account

Sometime in XXXX I had applied to XXXX XXXX XXXX XXXX XXXXXXXX XXXX  assistance program because I was unexpectedly put out of work. I selected to deposit the assistance funds into my chime bank XXXX  because I liked the simplicity and technology-inclination this bank appeared to have. 

On one of the days I get this weekly payment deposit, chime randomly closes my account. I tried getting information back then on the matter and trying to get my money back, but their system is ran by bots which are very annoying, so I procrastinated dealing with this. I messaged chime a couple times about the matter every couple of months, but they always had the same bland response by bots. 

At this stage, few days ago, I threaten legal action, and chime finally responds with an actual support person. And their support are claiming I am somehow ineligible for a refund. I keep going back and forth with their support these past few days, and now they also claim they can not verify my identity with provided documentation, but the fact is I have never provided any documents to chime on this matter. This is the first time in 2 years they tangibly respond to me and they have used all types of XXXX and are trying to bully me from my money. 

I have documents from the XXXX XXXXXXXX XXXX XXXX showing that the payments I received were legitimately for me. Chime has not asked me to provide any documents or tried to verify anything with me, but they are insisting on holding my money ( for XXXX  knows what ). I need my money back, the state shows I was eligible for those assistance payments, and believes I got everything but that is not the case. I have not violated any agreements with Chime, and this is very shady behavior by this bank.
Product: Credit reporting or other personal consumer reports

On or about XX/XX/24 a new collection was added to my credit report with the 3 major credit report. The account was opened fraudulently by a third party as part of an identity theft. I contacted the original creditor listed ( XXXX XXXX ) to explain same. I filed an identity theft claim with the FTC and my local police department ( XXXX Police Department ). I sent copies of these reports as well as all other info requested to XXXX XXXX at the link provided as well as to all 3 major credit bureaus as part of disputes on XX/XX/24. The 3 major credit bureaus have refused to remove the fraudulent account that was opened using my stolen information. I have complied with everything asked of me as part of this identity theft and in accordance with the Fair Credit Reporting Act the creditor has violated my rights under : 15 U.S.C 1681 section 602. The consumer reporting agencies have furnish an account without my written instructions and refuse to remove the fraudulently opened account. The Police report provided by the XXXX Police Department provided is # XXXX. Also attached are the identity theft report filed with the FTC. The credit reporting company XXXX just updated the report noting that it changed ownership to a collection agency rather than removing it. The credit reporting agency shows as XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX
Product: Debt collection

I have contacted the collection agency XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX, XXXX, XX/XX/XXXX, XXXX, XXXX XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX about a collection on my credit reports, I also disputed the collections with the credit bureaus. The Debt is for {$2800.00} the issue is this debt was included in my XXXX bankruptcy which was discharged in XXXX of XXXX, They collection company has all the information and has verified the information with me but still has not reported correctly to the credit Bureaus.
Product: Debt collection

I HAVE A GARNISHMENT AGAINST ME FOR AN APARTMENT I NEVER RESIDED AT. MACDOWELL & ASSOCIATES ARE GARNISHING MY WAGES FOR AN APARTMENT MY SISTER LIVED AT. THE APARTMENT CAUGHT ON FIRE DUE TO AN ELECTRICAL ISSUE. THEY BEEN CONTACTING MY SISTER ABOUT THE DEBT BUT SUEING ME IN COURT. THE ONLY TIME I AM FINDING OUT ABOUT THE DEBT IS THROUGH MY EMPLOYER.
Product: Checking or savings account

Bank charging fee and XXXX XXXX charging wrong fees
Product: Mortgage

We received a tax abatement and our escrow payment and balance is not realistic for what needs to be paid. The company will not review the escrow until sometime XXXX which is not fair. This is frustrating because we pay on time and pay extra each month to reduce the principal.
Product: Credit reporting

Received notice from IRS of a tax notice. Payment made on XXXX/XXXX/2010 which happened to be the same date as a tax lien was filed. Unable to get explanation from IRS or Equifax as to reason lien was filed on same date as payment.
Product: Credit reporting

Please see the attached documents. Trans Union has failed to show my signature on a chapter XXXX bankruptcy. I have sent XXXX good will letters to them and they have stated they have verified them. This is not correct. Under the FCRA 623 ( a ) ( 3 ) they have not investigated. I am asking that the chapter XXXX Bankruptcy be removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I have contacted the following companies reporting to my credit file and according to them, there has been no communication noted from Experian regarding these items. 
I am requesting the Method of Verification used to contact the furnishers and the specific name and number ( please include extension if applicable ) of the person contacted ( An employee looking at their computer screen and matching a name listed in their database is NOT verification or validation of any alleged debt ) ( Previous request not honored ). As the following items can not be verified mine, please correct status or delete them from the credit file : XXXX XXXX XXXX XXXX  XXXX never late XXXX  XXXX XXXX XXXX XXXX XXXX never late DEPT OF ED/XXXX XXXX never late DEPT OF ED/XXXX XXXX never late DEPT OF ED/XXXX XXXX never late DEPT OF ED/XXXX XXXX never late DEPT OF ED/XXXX XXXX never late XXXX XXXX XXXX  XXXX never late COLLECTIONS XXXX XXXX  XXXX {$990.00} not mine XXXX XXXX XXXX {$1400.00} not mine PUBLIC FILINGS BKPT   CHAPTER-XXXX XXXX not mine Identification already on file, no changes, please notice your internal notes. Please send me a complete updated copy of my credit report. Additionally, DO NOT place a fraud alert or promotional block etc. on my file without my expressed permission.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for an investigation of the disputed items, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, 3 Credit Bureaus must update or get rid of the following items from my file. 

XXXXXXXX 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 paid off XXXX dollars into this closed revolving account and the status of the account never reported to the credit bureaus. The remaining account balance is XXXX dollars until it is completely paid off.
Product: Credit card or prepaid card

I applied and was approved for a Bank of America credit card on XX/XX/XXXX. I received the card but did not active the card or open an account at Bank of America. 

Unbeknownst to me, I was charged an annual fee on the card even though I did not activate the card or establish an account at Bank of America. During this time, I moved and did was not able to update my address given I did not create an account with Bank of America. 

I eventually received a notice dated XX/XX/XXXX that from BofA that my account was past due despite never activating or opening my card and making zero purchases. 

On XX/XX/XXXX I tired to access my account but it had been closed by BofA and I was unable to access/create my account in order to make payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

For the record, there was no response and negative information is being erroneously included on my credit report, as I have advised you on two separate occasions, more than 50 days and again 10 days ago The investigation took longer than 50 days This is a Direct Violation of Fair Credit Reporting ACT Section 611 ( a ) ( 1 ) ( A ) As you are well aware, federal law requires you to respond within 30 days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ) I am maintaining a careful record of my communications with you on this matter, for the purpose of filling a compliant with the FTC should you continue in your non-compliance. I further remind you that, as in XXXX v. XXXX XXXX XXXX, No. XXXX ( C.D.Cal. XX/XX/XXXX ), you will be liable for your willful non-compliance. Please remove all Fraudulent accounts as I have no knowledge of these accounts due to the Equifax Data Breach/ Identity theft. All is being investigated by the FTC
Product: Credit card or prepaid card

A Best Buy card was opened under my account an used to purchase electronics at Best Buy on the same day. I think it has to do with the fact that I have a Best Buy account as the purchases were under my Best Buy account.
Product: Payday loan, title loan, or personal loan

In XX/XX/2021 a loan was taken out in my name. This was done without me knowing. l never received a single XXXX  from XXXX XXXX l called them personally and sent a inquiry and XXXX is showing delinquent on my report l have current and past bank statements too prove l never received a dime from this company please remove this item from my bureaus ( l also enclosed a bank statement from XX/XX/2021 the whole month in which Balance said they gave me XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

I am stating this is not my information
Product: Credit reporting or other personal consumer reports

This complaint is an update to a previous complaint submitted in XXXX of XXXX, complaint ID XXXX. 
Experian said that they reviewed my complaint and contacted the original creditor for information, stating that the original creditor supplied Experian with an investigation and Experian updated the information to my report. As of today, XX/XX/XXXX, Experian still shows the last update to this account was in XX/XX/XXXX. They did not correct incorrect information on my report, nor did they update my report as they said they would within the XXXX period. This is a blatant lie on their part in violation of the Fair Credit Reporting Act and a violation of my rights. Experian LIED about updating my report and did not update my report within the XXXX  days I filed my complaint.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XX/XX/year> Exhibit B Under 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the written instructions of the consumer to whom it relates.

Pursuant to 15 USC 1692a ( 3 ) The term consumer means any natural person obligated or allegedly obligated to pay any debt. Wouldnt I be considered allegedly obligated to pay the debt listed below? Technically debt is a twofold word, it is any obligation or an alleged obligation and you cant choose both. XXXX XXXX XXXX is basically making it an obligation for me to pay on a debt without my direct consent. I XXXX XXXX the consumer never gave XXXX XXXX XXXX any written consent to report anything on my consumer report. No consent is Identity Theft. 

Account : Account Number : XXXX Thank you, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to buy a car at XXXX and when they ran my credit to see if I qualified to finance through them, I was told that they could not approve me because there were one or more accounts in negative standing on my report. I looked through my credit report because I thought I didn't have any bad accounts on my credit but I saw about eight accounts on my credit report with negative payment history ; I wasn't aware of these accounts before today XX/XX/20 because none of them are mine. I didn't open any of those accounts and I did not allow anyone to open them in my name. I do not have any written or verbal contract with any of the companies I listed nor did I benefit anything from those accounts such as money, goods, services or anything else and I did not make payments towards those accounts. I have already filed a police report regarding these unauthorized accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 

INITIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020
Product: Credit reporting or other personal consumer reports

Pursuant to the Fair Credit Reporting Act 15 U.S. Code 1681 section 602 states There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. TransUnion is a consumer reporting agencies, and I am the Consumer. I am writing to bring to your attention that the address ( XXXX XXXX XXXX XXXX XXXX, MI XXXX ) associated with my consumer credit report is a non-mailable address that promptly need to be removed from my consumer report.
Product: Mortgage

XX/XX/2017 my Bankruptcy was confirmed. My Trustee is XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX, XXXX XXXX, XXXX Maryland XXXX. For the last 2 years, Owen Loan Servicing, LLC and now PHH Mortgage has failed to following Bankruptcy procdures. They have attempted 3 times to CANCEL my homeowners insurance, fraudulently informing my Homeowners insurance company that I have vacated the premises ( home : XXXX XXXX XXXX, XXXX XXXX, Md XXXX ). When i thought it could not get any worse, they Changed my Gas and Electric Bill into there name and attempted to turn off my Gas and Electric.  My bank can provide statements that {$2000.00} each month is automatically sent to the Mortgage company. My Job can provide documentation that Bankrupcy payments are payroll deducted. They continue to contact me even though i'm fully in compliance with the Bankruptcy Agreement. They fraudulently attempting to bully me. They refuse to comply with the Bankruptcy agreement.
Product: Credit reporting or other personal consumer reports

Name : XXXX XXXX XXXX Consumer ID : XXXX Date of Birth : XX/XX/XXXX SSN : XXXX ID Type : Drivers License ID Number : XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX FL XXXX Early Warning Services , LLC XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, AZ XXXX I am writing to request an expulsion of the following information that appears on my Early Warning Systems consumer report. I have NEVER opened or used the following account numbers : XXXX XXXX XXXX Bank Routing # : XXXX Account # : XXXX Incident Date : XX/XX/XXXX Bank Name : XXXX  XXXX XXXXXXXX XXXX XXXX Routing # : XXXX Account # : XXXX Open Date : XX/XX/XXXX Close Date : XX/XX/XXXX Bank Name : XXXX  XXXX XXXX GEORGIA Bank Routing # : XXXX Account # : XXXX Open Date : XX/XX/XXXX Close Date : XX/XX/XXXX Bank Name : XXXX  XXXX XXXX Bank Routing # : XXXX Account # : XXXX Open Date : XX/XX/XXXX Close Date : XX/XX/XXXX Bank Name : XXXX XXXX XXXX Bank XXXX XXXX : XXXX Account # : XXXX Open Date : XX/XX/XXXX Close Date : XX/XX/XXXX Bank Name : XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX Account # : XXXX Open Date : XX/XX/XXXX Close Date : XX/XX/XXXX Bank Name : XXXX XXXX XXXX  XXXX Bank XXXX XXXX : XXXX Account # : XXXX Open Date : XX/XX/XXXX Close Date : XX/XX/XXXX Bank Name : XXXX XXXX XXXX XXXX Bank XXXX XXXX : XXXX Account # : XXXX Open Date : XX/XX/XXXX Close Date : XX/XX/XXXX Bank Name : XXXX XXXX XXXX XXXX Bank Routing XXXX XXXX XXXX Account # : XXXX Open Date : XX/XX/XXXX Close Date : XX/XX/XXXX I DO NOT recognize the following accounts above in review. I AM A VICTIM OF IDENTITY THEFT and I DO NOT recognize these accounts on my report. Im requesting the following information be deleted from my Early Warnings Consumer report IMMEDIATELY! I have attached a copy of the report to this request. 
Thank you for your assistance. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

This is an ongoing problem with XXXX that is owned by XXXX  XXXX XXXX. XXXX  XXXX XXXX continues to allege I owe them a credit card debt but it is XXXX  XXXX XXXX who owes me. XXXX has repeatedly claimed to have 'verified ' and 'validated ' this debt without showing me one piece of evidence to justify their reporting. " XXXX  XXXX XXXX said so ''. is their response. This is not acceptable and violates many areas of the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE XXXX XXXX XXXX XXXX XXXX XXXX NEGATIVE MONTHS Credit usage 100 % Balance {$5000.00} Balance updated XXXX XXXX, XXXX Credit limit {$4500.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Credit card Payment summary 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 XXXXXXXX Account charged off. {$5000.00} written off. {$5000.00} past due as of XXXX XXXX. 
Status updated XX/XX/XXXX Past due amount {$5000.00} Highest balance {$5000.00} Monthly payment - Additional info Responsibility Individual Terms - Company sold - Original creditor - Comments- Your statement - Contact info Address XXXX  XXXX XXXX XXXX XXXX XXXX, PA XXXX Phone number ( XXXX ) XXXX Dispute this account CREDIT DISPUTE NOTES THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft. not later than 4 business days after the date of receipt.
Product: Credit card

I received 3 separate notifications from JPMCB that a hard pull was done on my credit for an application for a new CHASE FREEDOM Visa Platinum card. They have denied the request and marked it as fraudulent. I have spoken with them and protected my accounts and am filing to have these 3 hard inquires removed from all 3 of my credit reports - I am also placing a freeze on my credit accounts. 

According to my XXXX credit report hard inquiries were done on XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX all from JPMCB CARD SERVICES. 

Please let me know if there is any additional information you need to protect my identity