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

I recieves a EIDL Targeted Advance Grant from the SBA to my Chase personal checking account. I Had checmed with the SBA prior to deposit and was informed there should be no problems using the account. As well i had already received a PPP loan prior to this with no issue. Chase froze my account due to suspected fraud. I immediately went to my local branch with numerous documents showing i have been in business for over 6 years, including an old business checking statement, XXXX tax returns filed with schedule c business taxes, invoices to clients and more. After spending over two hours with the branch manager on the phone with their fraud department i was informed that only a EIN which i am not required to have as a sole prop ( ive always used my social ) can unlock my account. I speak with the fraud dept on the phone and am told that " if '' the documents i submitted are approved then i will receive a check within 10 business days. Now after researching online i have zero confidence that will happen as numerous others are in the same boat and even after jumping through every hoop imagineable have still not received access to their account or return of their funds. I spoke with SBA and was told they had no right to do this and to submit my loan docs whoch i offered but was told not neccessary and the taxes will do. I received no communication from them regarding this it was only discovered due to my own due diligance and i rightfully obtained these funds and am a legitimate business owner. This restriction is impacting my business and finances severely and chase is out of line and im sorry but based on events/research i do not trust them to do the right thing so i am proactively filing this complaint.i have attached proof that i am a legitimate business owner and these funds were not obtained illegally and are rightfully mine. I look forward to a timely response and hope that you can help or i will obtain legal counsel as my next step. Chase has no right to put peopke through this ordeal in these already hard times!
Product: Credit card or prepaid card

The account was paid and no late payments would be reported on my credit per agreement by Synchrony and myself. 

However, the company still has reported all Accounts under My name with Synchrony to be displayed as late on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I leased a XXXX XXXX for my daughter and within a few months the tires were worn down at an excessive and alarming rate. I determined the vehicle had been in an accident and I was not notified when I leased the vehicle, they said they were not obligated to inform me. After I brought it to the attention of the dealership they indicated they would " work with me '' when I turned in the vehicle as I had already purchased new, very expensive, run flat tires and paid to repair the cause of the issue. Upon return of the vehicle about one year later, the dealership agreed to no charge the tires that needed to be replaced. I eventually received a notice that I owed {$800.00} for tires. When I called the dealership they acknowledged the error and agree to rectify the issue which of course they did not. A short time later when I applied for and was denied credit, the only negative mark I had was an {$800.00} judgement from XXXX XXXX and two late payments. First, I never had a single late payment and the {$800.00} was a fraudulent charge. When I again called the dealership immediately following this incident I was shocked to realize the dealership was CLOSED leaving me zero ability to effectively fix the lies XXXX had reported. What had once been a XXXX XXXX dealership was now a XXXX dealership and they effectively laughed at me and told me " good luck ''.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account number : XXXX In accordance with the Fair Credit Reporting act XXXX Account # 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 a account without my written instructions
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing to formally dispute the accuracy of certain information on my credit reports maintained by XXXX and Experian. The details of the accounts in question are as follows : XXXX Report : Account # : XXXX Date Opened : XX/XX/XXXX Date Last Active : XX/XX/XXXX Experian Report : Account # : XXXX Date Opened : XX/XX/XXXX Date Last Active : XX/XX/XXXX Upon reviewing my credit reports, I have identified significant discrepancies between the information reported by XXXX and Experian regarding the above account. Specifically : Date Opened : XXXX reports the account as opened on XX/XX/XXXX, while Experian reports it as opened on XX/XX/XXXX. 

Date Last Active : XXXX reports the account as last active on XX/XX/XXXX, whereas Experian reports it as last active on XX/XX/XXXX. 

These discrepancies violate the Fair Credit Reporting Act ( FCRA ) in the following ways : FCRA 611 - Accuracy of Information : Both XXXX and Experian are required under FCRA 611 to maintain reasonable procedures to ensure the maximum possible accuracy of consumer information. The inconsistent reporting of account opening dates and last active dates suggests a failure to comply with this requirement. 

FCRA 623 - Duty to Correct and Update Information : According to FCRA 623, consumer reporting agencies such as XXXX and Experian must promptly update and correct inaccurate information upon notification by the consumer. The discrepancies in reporting dates indicate a failure to promptly update my credit reports with accurate information. 

Enclosed are copies of relevant documents that support my claim, including [ list any supporting documents such as billing statements, correspondence with the creditor, etc. ]. 

I request that XXXX and Experian conduct a thorough investigation into these discrepancies as required by FCRA 611 and 623. Please provide me with the results of the investigation in writing and correct the inaccuracies on my credit reports accordingly. 

Additionally, I kindly request that you send me a free copy of my updated credit report once the corrections have been made. 

Thank you for your prompt attention to this matter. I look forward to your timely response. 

Sincerely,
Product: Debt collection

XXXX XXXX  keeps calling me, every day nonstop. They call me more than XXXX times a day from multiple phone numbers. I blocked the numbers and they call me in private. I told them I am not employed and I have a child. I cant pay my debt at the moment. Theyve been calling me repeatedly for more than XXXX months already.
Product: Credit reporting or other personal consumer reports

The following companies made unlawful requests on my credit report, and I am writing to let you know about them. Below are the company names along with the dates that I received the inquires. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Noticed that although this account was included in XXXX XXXX XXXX. It is still reporting as a charge off and I am receiving updates although I filed for XXXX in XX/XX/XXXX. XXXX XXXX in XXXX of XXXX but yet Carmax is still reporting on my XXXX
Product: Credit reporting or other personal consumer reports

My XXXXXXXX XXXX account # XXXX Has been forgiven due to the BIDEN-HARRIS Administration
Product: Debt collection

TO WHOM IT MAY CONCERN I AM WRITING TO UPDATE MY CREDIT REPORT WITH THE CORRECT INFORMATION. I AM A VICTIM OF IDENTITY THEFT AND DID NOT MAKE THE FOLLOWING CHARGES ON MY CREDIT REPORT. ALL CORRECT INFORMATION FOR ALL 3 CREDIT REPORTD ARE SUPPOSED TO BE 100 % ACCURATE. THE INFORMATION IS INCORRECT. TO PROTECT MY ACCOUNT I INCLUDED THE ACCOUNTS, DATES, AMOUNTS OF IDENTITY THEFT OR INCORRECT INFORMATION. ALL CREDITORS LISTED ARE RESPONSIBLE FOR UPDATING MY FILE. THANK YOU
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX   & Equifax Credit Reporting Agencies are r eporting inaccurate credit information on my credit file regarding   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  accounts. Their reporting that my current payment status i s 120plus days pa st due when in fact the account were transferred to another lender and paid. I have filed several disputes with the CRA and have contacted the   XXXX   XXXX   XXXX   XXXX   for the information to be corrected to no avail for the past 3 years.
Product: Debt collection

I wrote up a letter to Portfolio Recovery Associates for verification of the current debt ( {$4000.00} ) they have listed on my credit report. I sent this letter on XX/XX/2022 by certified mail to XXXX XXXX XXXX. XXXX, VA, XXXX. Today is XX/XX/2022 and I have not received any response from them.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate dressredress for these violations.
Product: Debt collection

On XXXX an alert notified me that a collection account had been reported on my credit report. The collection company, Allied Collection Services , Inc. XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, NV. XXXX. Phone : XXXX, reported a collection from XXXX of {$3900.00}. I disputed the collection account and requested an investigation. I requested validation of the account, as is my right. I did not hear back from the company or receive any documentation. I disputed the collection a second time. This time the following statement appeared on my credit report. " Subscriber reports dispute resolved- consumer disagrees ; original creditor XXXX. '' I have made several attempts to contact the company to resolve this issue, but after being on hold for over 15 minutes each time my call was " dumped '' into a voicemail box where a mechanical voice assured me I would receive a call back. I still have not heard from this company. This is an abuse of critical information. Allied Collection Services has been given the power to report to the 3 credit bureaus.When these collection agencies report errors they are more than errors they are errors that literally affect one 's future.The information provided in my report is used by lenders, insurance companies, employer 's and others who use this information to determine my credit worthiness, the price I will pay for credit and MY character. The consumer should NOT be penalized for a business ' bad business practice. Additionally, when collection agencies are unable to validate a debt it should be deleted completely from all three credit bureaus within 24 hours. This would allow a Rapid Rescore to restore ones report. Debt tagging is the term used in the collections field for a situation in which an innocent consumer is " mistakenly '' blamed for someone elses overdue debt, usually because of a similarity in names or some other type of mix-up. Allied Collection Services and other collection agencies use this tactic as a last ditch effort to collect the debt or collect information. They are hoping that by reporting these debts on every XXXX XXXX that they will get someone to say, " Hey this isn't me, maybe it's my cousin. We share the same name. Call him at XXX-XXX-XXXX. '' Debt tagging is wrong and should be illegal. Innocent people end up paying thousands of dollars because of this lazy business practice.Perhaps they will instill better reporting practices if THEIR errors directly affect THEIR bottom line. Repeat offenders should be banned from reporting to credit bureaus and fined. Allied Collection Services, Inc. has numerous complaints logged against them on the XXXX, XXXX and consumer protection. As far as I can tell, no action has been taken against them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a Bum. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX  XXXX and stopping me from getting this job offer XXXX now XXXX XXXX  XXXX cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE
Product: Debt collection

Me & my father share the same name I 'm a XXXX and he is the XXXX. I have never had a XXXX bill in my name I believe that the current collection agency has mistaken me for my father. I have sent out XXXX validation notices to Stellar Recovery and have not got any response it has been more that 45 days.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX  : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX  : Account Number : XXXX Account Name : XXXX XXXX XXXXXXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account with
out my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

I've been a victim of identity theft due to the Equifax data breach, and I've discovered fraudlent accounts linked to my profile. These are not affiliated with me, and I never authorized 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for Insurance and it was brought to my attention that there is some inaccurate, incomplete and unverifiable information reporting on my credit report.

I received a copy of my credit report and to my surprise I saw all these inaccurate items that I have previously asked you to block.

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority.

Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft.

I have provided documents that can prove it. By the way I hope that this does not hinder my ability to obtain Insurance due to this inaccurate information reporting.

I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( i ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.If you can not complete this request, please delete the accounts immediately. 

I have provided an exhibit of evidence showing the inaccuracies of my reports. 

Please investigate every piece of information and remove these items below from my credit report. 

Accounts 1. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

2. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

3. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

4. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 

5. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 

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

7. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 

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

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

10. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 

11. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

12. there is some inaccurate information reporting. 
XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

The agency is listing the same account on my credit reports multiple times, double jeopardy. It's the same account and they are changing the amount owed by XXXX dollars.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  by XXXXXXXX XXXX company broke some US Laws.

PLEASE GO AFTER THIS COMPANY I ALSO REPORTED THEM TO THE ATTORNEY GENERAL I HAVE MY ACCOUNT NUMBER TOO.

THEY ALSO HAVE HAD MANY CLASS ACTION LAWSUITS 1. 1st Law Harassment ; In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 XXXX  Account # XXXX, has violated my rights. 
15 U.S.C 1692 Section 805 A States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known or which should be known to be inconvenient to the Consumer 15 USC 1692 Section 806 Section 5 Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number.

2nd law : Late charges on credit report are illegal By the provisions of the Fair Credit Reporting Act, any late payments can not be accessed to me. I was given disclosure forms to opt out. If they charge me a late payment, they will be in violation of Us code 1666a.

15 U.S. Code 1681a states transactions can't be included so it will be a violation if a late payment hits my credit report. Because of these violations, my credit score has suffered and i have lost XXXX of points!!!!! 

3rd law : 15 usc 13 I feel I was discriminated against in terms of price. I was not sold the timeshare at the same rate as someone else. These timeshares discriminate based on a persons background not necessarily their credit. Its unlawful for the timeshare to discriminate against a person for a purchase! This is unlawful discrimination!!!

4th Law : With me being the consumer, I never received any time of payment for this timeshare thats already paid for. I never received cash, check, card, or etc. This is a violation of the recission for this timeshare With the consumer credit transaction, I am supposed to receive cash in hand, bank deposits, check or etc and i never received anything from the car dealership.

THIS IS AGAINST THE LAW!

Violation of 15 USC 1679a! 

im submitting this on behalf of my fiance XXXX XXXX im also on the timeshare too
Product: Credit reporting or other personal consumer reports

I have disputed this information with Experian. Experian reports that it has been verified. I spoke to a representative and they attached my documentation to re-dispute. The item still came back as verified.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # 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 a account without my written instructions. 

XXXX XXXX XXXX. CO. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXK XXXX A ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVE a portion of the data in my credit file that came about because of a FRAUD, yet I have Accounts and information passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX, # XXXX, and # XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. I need you to remove the remaining items off of my Credit File : XXXX XXXX XXXX XXXX, AR XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX AR XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXXXXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance XXXX XXXX {$0.00} XXXX  XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # XXXX XXXX XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : 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 XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX. Please comply with Federal law and have the disputed items removed as soon as possible.