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

On the morning of Tuesday XX/XX/2022, I went to a Chase bank location to use their atm to withdraw money being that it is the closest bank to my house. I am not a Chase customer. That is something they kept asking me. I have a debit card provided by the state of Arizona in which child support is deposited. I've had this card for a few years now. I went with the intent to withdraw the funds from this account which was {$420.00} At approx XXXX XXXX I proceeded with the transaction at this atm. The door in which the money should be dispensed made a creeking sound and the screen then said we currently can not give you a receipt. This has never happened before. I figured the atm was out of order so I went placed the card into the Chase atm directly next to this atm machine in question. To my surprise the available balance was {$8.00}. I felt as though I couldnt breathe. The bank was still closed. I found a number on the atm which I immediately called. The XXXX representative on the other line said this is something I will have to take up with my bank. I explained several times this isn't a bank atm card. I was hung up on twice. By this time the bank was about to open. I spoke to a Chase bank teller who then referred me to her manager. The manager stated this is an issue I have to resolve with my bank. Once again I explained this is a child support card. She said the state does the same thing. They will treat it as fraud and open an investigation. I walked out and called the State of Arizona Child Support Office. The representative said I need to have some kind of proof that the money wasn't dispensed otherwise there is nothing they can do. They did state however that they have never ever acted like a bank in fraudulent situations and the Chase manager was wrong about that. I went back to the Chase branch and spoke to the manager regarding the information I had recieved. The manager said there is absolutely nothing she can do for me. Now she said that the atm and the bank branch were 2 separate entities. I asked for the contact information for the personnel that service the machines. She said she doesn't give out that information. I dont know what to do. The transaction happened directly in front of a camera. As im writing this i am in tears. {$400.00} is so much money for my kids. My intention was to begin shopping for the next school year and now I feel as though that money is gone and I have nobody to help me. Please help me. Please dont allow Chase bank to take my daughters money. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX Date Opened : XX/XX/2016 Balance : $ 5,642.00-
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Date of Birth : XX/XX/XXXX SSN : XXXX Dear Transunion, I am writing to dispute the following information that appears on my Transunion report from XX/XX/XXXX : XXXX XXXX XXXX Installment account with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
It is my understanding that per 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ), my consumer report should not contain information solely as to transactions or experiences between the consumer ( me ) and the person ( you ) making the report. Payment history and the late payments associated with payment history negatively impact my consumer report and are considered as part of my transactions and experiences between me and your company. Furthermore, I am requesting that you provide me with, in writing, the reasonable procedures [ according to 15 USC 1666 ( b ) ] that you have adopted to ensure that each periodic statement is mailed to me ( the consumer ) not later than 21 days before the payment due date. Include also, all the information required by section 1637 ( b ) of Title 15. 

XXXX XXXX XXXX Installment account with account # XXXX opened on XX/XX/XXXX and a balance of {$61000.00}. 
It is my understanding that per 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ), my consumer report should not contain information solely as to transactions or experiences between the consumer ( me ) and the person ( you ) making the report. Payment history and the late payments associated with payment history negatively impact my consumer report and are considered as part of my transactions and experiences between me and your company. Furthermore, I am requesting that you provide me with, in writing, the reasonable procedures [ according to 15 USC 1666 ( b ) ] that you have adopted to ensure that each periodic statement is mailed to me ( the consumer ) not later than 21 days before the payment due date. Include also, all the information required by section 1637 ( b ) of Title 15. 

Please reinvestigate these matters and delete or correct the disputed information as soon as possible. 

Thank you for your assistance. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I recently did an investigation on my credit report and found several items on there to be inaccurate. 
Under 15 U.S.C. 1681c-2 requires that credit reporting agencies block fraudulent information within four ( 4 ) business days of receiving proof of identity theft, which I have provided in the form of my FTC Identity Theft Report.

Per 15 U.S.C. 1681g ( a ), consumers have the right to complete and accurate data reporting.

15 U.S.C. 1681e ( b ) : Responsibility to ensure maximum accuracy.

15 U.S.C. 1681n and 1681o outline liability for failure to comply with these requirements, including potential damages for willful or negligent violations. Please immediately delete and block the following fraudulent items from my credit report. 
XXXX XXXX : account # XXXX XXXX XXXX : account # XXXX
Product: Debt collection

I have tried to dispute these allegations numerous of times. XXXX has not done their job by investigating correctly.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), I have provided the documents needed, a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under XXXX  according to XXXX XXXX Final Rule XXXX ( b ) ( XXXX ) - ( XXXX ) -- -- -- XXXX ( b ) ( XXXX ). 
I have provided my photo ID along with the other required documents. 
I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. 
I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the LAW. Which I have provided all of my documentation as well as a XXXX  determination letter according to XXXX ( b ) ( XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/22 to Experian and XXXX to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ), they are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX & I am including it again., XXXX XXXX Balance : {$12000.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$1200.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX
Product: Debt collection

Sequoia Financial Services is attempting to collect an alleged debt from I XXXX XXXX in which they have not validated there right to collect the alleged debt pursuant to 15 USC 1692g of the FDCPA ( Fair Debt Collection Practices Act ). I have sent a debt validation letter to Sequoia Financial Services demanding that they answer and send all valid information and documents for I the consumer to exercise my federally protected rights and properly assess my obligation to pay the alleged debt.
Product: Debt collection

On XX/XX/XXXX I paid my XXXX XXXX account off. it is showing paid in full. 

I paid my Limited account off in the same month in XXXX. It is also showing paid in Full both accounts are closed and the limited stores are closed across the country. 

Another account XXXXXXXX XXXX  Paid in full sold to XXXX and XXXXXXXX XXXX XX/XX/XXXX Affiliate name : XXXX XXXX acct number ending in XXXX File number XXXX DEBT PAID IN FULL I FILED BANKRUPTCY IN XXXXXXXX XXXX XXXX IN XXXX COMPLETED THE XXXX XXXX XXXX XXXX, THER HAS BEEN SOME CREDIT CHALLENGES OVER THE YEARS BUT MY CREDIT IS MY LIVELY HOOD. THERE WERE PERIODS WHEN MY DEBT SUPER CEEDED MY INCOME AND I WAS IN BETWEEN JOBS FROM XXXXXXXX XXXX XXXXXXXX THIS CAUSED A DECLINE IN MY INCOME AS WELL AS LACKING THE FINANCIAL MEANS TO COVER SMALL EXSPENSES. MY XXXX XXXX  IS SHOWING ON THE CREDIT REPORT AND DUE TO THIS I AM UNABLE TO SECURE HOUSING OR OBTAIN A SECENT INTEREST RATE IN THE EVENT I BUY A HOME. MY CREDIT SCORE SEEMINGLY STAYS IN THE LOW XXXX AS THIS HAS BEEN THE CASE FOR MANY YEARS NOW. THIS IS UNFAIR PRACTICE WHY IS IT NESSCESARY FOR A DEBT TO LINGER AFTER IT HAS BEEN PAID PENSES
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXX XXXX C/O XXXX XXXX XXXX XXXX SC XXXX XXXX Opened date XX/XX/XXXX last activity XX/XX/XXXX account # XXXX collection/charge-off in the amount of {$1100.00} has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy 15U.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 CFPB, This is a request as authorized by the FCRA. 611.

Under 15 USC 1681 I, I would like you to re-investigate the item below on my credit report that is misleading & not 100 % accurate. 

If the item in dispute is NOT 100 % accurate, I demand for the item below to be removed/ permanently deleted by Experian from my credit report. 

This information reporting by Experian has adversely affected my credit worthiness and hampered my chances of acquiring new credit. 

Under the provisions of the Fair Credit Reporting Act ( FCRA ), I demand that the following item on my credit report be verified and removed : Under Accounts with Adverse Information Section of my Credit Report : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1500.00} Monthly Payment : {$110.00} Reporting Correctly : Current & Pays as Agreed ( Attachment # XXXX ) Reporting 30 days late on XX/XX/2022 ( Attachment # XXXX ) In short, Experian refuse to furnish me with the following results ; ( 2 ) The business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with such information ; Please Note : FAIR CREDIT REPORTING ACT / REGULATION V Section 623 of the FCRA and Regulation V generally provides that a furnisher must not furnish inaccurate consumer information to a CRA , and that furnisher must investigate a consumers dispute that the furnished information is inaccurate or incomplete. 
Furnishers Obligations for Consumer Credit Information Under the CARES Act, FCRA, and ECOA XXXX XXXX XXXX XXXX ) Duty to Provide CRAs with Accurate Information Prohibition on Reporting Inaccurate Information. Section 623 ( a ) of the FCRA generally prohibits a person from furnishing inaccurate information to a CRA. The standards for the prohibition differ, depending on whether the person specifies an address for receipt of notices from consumers concerning inaccurate information. If the person specifies such an address, it may not furnish information relating to a consumer to any CRA, if ( a ) the consumer notified the person, at the specified address, that the information is inaccurate, and ( b ) the information is, in fact, inaccurate.18 Credit Reporting Agency are now subject to Federal consumer financial laws, including, among others, the FCRA and Title X of the Dodd-Frank Act, and related regulations including a ban on Abusive Acts or Practices. ( Section 1031 of the Dodd-Frank Act ) Sincerely Submitted, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I received notifications regarding my credit report regarding the below items which are not mine and are either a result of fraud or a mistake : With XXXX  there is an inquiry from XXXX XXXX on XX/XX/XXXX. This was not me. 

With XXXX there are inquiries from the following which were not me : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX With Experain the following inquiries XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX and XXXX account and a medical bill.
Product: Credit reporting, credit repair services, or other personal consumer reports

DELETE FRAUD ALERTS AND EXTENDED FRAUD ALERTS XXXX # XXXX # XXXX EXTENDED FRAUD ALERT : ACTION MAY BE REQUIRED UNDER FCRA BEFORE OPENING OR MODIFYING AN XXXX XXXX  XXXX & XXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY XXXX OR EVENING XXXX. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING XXXX. 

Equifax FRAUD VICTIM. 'EXTENDED ALERT '. CONSUMER HAS REQUESTED AN ALERT BE PLACED ON THEIR CREDIT FILE.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accourdance with the Fair Credit Reporting Act. XXXX, XXXX, Equifax has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

According to the 15 U.S.C 1681 section 602 A. States i have the right to privacy. 

The Addresses Do Not belong on my Credit Report. 

XXXX  XXXX XXXX XXXX, XXXX PA XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX NC XXXX XXXX XXXX XXXX, XXXX Nc XXXX These Telephone Numbers Do Not Belong on my credit report XXXX XXXX XXXX XXXX XXXX XXXX This employment Data does not belong on my credit report XXXX XXXX XXXX These Names Do Not Belong on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am now requesting proof of the previous investigation. I'm asking that you send your method of investigation, along with all records of who you spoke with, their business address, name, and phone number as well as documentation that proves this account was late, if you can not provide me with this information in XXXX XXXX update the account to PAID/NEVER late and send me a copy of my updated credit report.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXXXX/XX/XXXX, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau 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 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. 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 the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Mortgage

Have been faxing since XXXX XXXX XXXX on loan, signed POWER OF ATTORNEY AND GRAND DEED TO XXXX XXXX both ON LOAN MODIFICATION APPLICATIONS!!!!!!!!!!!!
Product: Vehicle loan or lease

1.On XX/XX/XXXX I physically signed ( ink signature ) to purchase a used XXXX XXXX 2.Within a week the XXXX XXXX broke down on the highway 3.I immediately notified ( seller ) XXXX XXXX XXXX, XXXX, NC ( XXXX ) and told me to tow it to my home and XXXX will tow the vehicle with their mechanic & fix the problem. 
4.While vehicle sat for a week, I had a mobile Co. conduct a diagnostic. Results : rear brakes on driver-side were metal to metal and needed to be replaced, also clutch was not functioning, slve cylinder needed to be replaced, also nut that holds shifter mechanism down was broken and someone tried to weld it back and would need transmission to repair it. 
5.On XX/XX/XXXX the XXXX XXXX was finally picked up by XXXX XXXX XXXX 6.In the interim, I had to rent vehicles to go to work etc. 
7.XXXX, offered a vehicle in which they came unannounced to took the loaner due to them closing down abruptly. 
8. On XX/XX/XXXX, with my XXXX XXXX in their possession stated they were closing and I will need to pay their unknown mechanic the repairs. 
9. I requested for XXXX to furnish a Mechanical Vehicle Report, location and status on the vehicle. I received nothing but back and forth confirmation from unknown reps upon XXXX closing. 
10. Please note : I received harassing phone calls from " XXXX '' a sales agent with XXXX that was never licensed to sell in North Carolina. 
11. Since XX/XX/XXXX, XXXX and their mechanic was never seen and my vehicle I never had in my possession to date. 
12. I informed Credit Acceptance about this entire ordeal and Credit Acceptance the lender stated they conducted an investigation on-site after XXXX closed and they did not confirm nor provided me details results of their investigation such as date, time, agent who investigated this Auto Fraud etc. 
13. In return, to date have accumulated bad credit reporting from Credit Acceptance, no vehicle in possession, no information from XXXX owner about the location of my vehicle, the NC attorney general office did not even receive a response from XXXX owner referencing my complaint, Credit Acceptance never to date confiscated / repo the vehicle nor did they conduct any investigation referencing my complaint. 
14. I am currently receiving harassing calls from unknown numbers.
Product: Prepaid card

I purchased an AMEX gift card to make an online purchase. The card keeps getting declined. The item is not available in stores. Customer service told me just try using the card in stores first but that also did not work. Ive tried registering it online to no avail. Customer service told me to just keep trying. So Im out {$55.00} on a useless gift card.
Product: Credit reporting, credit repair services, or other personal consumer reports

ftc violation caused by the apt manager remove it asap
Product: Debt collection

I have reported this to the FTC multiple times and also to the cfpb and XXXX constantly refuses to delete the fraudulent account on my credit report!!! This is the XXXX time Im disputing something that has been removed by XXXX and XXXX months ago though XXXX keeps insisting that I get LVNV funding to delete this claim! I have never had a contract with LVNV funding they purchased this fraudulent account which I thought was against the law too purchase social security numbers, so why is it legal for companies you have no contract with can harass you when you never signed any documents making you liable for that debt? Ive never had a contract with the original debt collector. I have told both parties I have never lived at the address pertaining to this collection nor is the address on my credit report! Im contacting XXXX  because I think something fraudulent is going on with XXXX that they wont delete a fraudulent account that isnt on XXXX or XXXX reports! The federal government requires that all credit reports be accurate and if XXXX out of XXXX are holding the correct account information then that means the XXXX one is failing to do there due diligence to make sure that all credit reports are accurate and updated.
Product: Credit reporting or other personal consumer reports

I am writing to urgently notify you that I have been a victim of identity theft, which has resulted in numerous fraudulent entries on my credit report. These unauthorized accounts and inquiries were added without my knowledge or consent, and I request immediate action to address this issue. 

I have already filed an official identity theft report with the Federal Trade Commission ( FTC ) and am now demanding the prompt removal of these fraudulent items to restore the accuracy and integrity of my credit report. 

ACCOUNTS : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  ) Specifically, I am requesting the removal of 2 unauthorized accounts and 18 unauthorized inquiries from my file. It is crucial that my credit report reflects only accurate and legitimate information.

I trust you will handle this matter with the urgency it requires. Please confirm once the necessary corrections have been made.