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

I am writing to complaint to JEFFERSON CAPITAL SYST about the reported data on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified. My address is XXXX XXXX XXXX XXXX, AL XXXX, and my name is XXXX XXXX XXXX. My birthdate is XXXX. The FTC report number related with this complaint is XXXX .I have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to delete them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus.
Product: Checking or savings account

Chase bank discrimates against XXXX XXXX because of XXXX, if you dont look XXXX or have an accent they ask if you are a us citizen, they made us wait over and hour to try to add my wife to my account and then said they couldnt do it because I didnt have my XXXX XXXX despite I had turned that in when opening my account. I had my drivers liscense and other IDs and wouldnt do it. When my wife made a cash deposit at the drive through they rejected her deposit because she wasnt on the account and returned {$200.00} less then what she sent in.
Product: Checking or savings account

Today I transferred {$800.00} from my business to my personal account. I then XXXX a payment out for {$300.00} which would have left me {$500.00} in my account. {$56.00} was missing from my account and the bank keeps that my account was overdrawn today, in which thats a lie. Because this morning at XXXX California time I was able to buy me some food for {$11.00}. All debit transactions are put on hold til the merchant pulls their money. Citi bank is steeling money and lyning about it saying the account was overdrawn. I have photo to show my trans action. On XXXX transactions they say my account was overdrawn, but it dont show on my end. Ive sent in screen shot of my account look at the time of the Transaction, remember Im in California, they are XXXX hour ahead of us. So if the account was overdrawn I couldnt have made the purchase this morning @ XXXX ; XXXX XXXX because I did not deposit my funds XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

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

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

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of i tems which do not belong to me or were opened without my permission. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX ' XXXX, XXXX Inquired on XX/XX/XXXX ' XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} ' XXXX XXXX XXXX XXXX XXXX XXXX. Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX. Balance XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX. Balance : {$740.00} XXXX XXXX XXXX XXXX  .... Balance : {$1100.00} XXXX XXXX XXXX XXXX XXXX Balance : {$1000.00} ' XXXX XXXX XXXX XXXX XXXX XXXX Date filed XXXX XXXX XXXX XXXX XXXX XXXX  Filed on XX/XX/XXXX Reference number : XXXX XXXX XXXX XXXX XXXX XXXX ' According to FCRA XXXXection 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt.
Product: Debt collection

Midwest Recovery Systems added a collection account from XXXX to my credit report from a company that is not licensed payday loan company in the United States. I did not open it payday loan with XXXX it was a fraudulent company with no internet address of a physical address or telephone number there is no supporting documents stating exactly when the account was reported delinquent or an account number
Product: Credit reporting or other personal consumer reports

I never requested a fraud alert or security freeze be placed on my credit report. on my credit report. I have sent several requests that they remove the fraud alert and or freeze that they placed on my credit report and as of XX/XX/year>, they have not done so.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I sent a letter to EXPERIAN credit reporting company about a collection company on my credit report that failed to respond to my debt validation letter. The Collection company is XXXX XXXX XXXX that is reporting on my credit report in the amount of {$700.00}. As per my rights, I did an investigation, and sent a debt validation letter to XXXX XXXX XXXX on XX/XX/2022 and gave the company 30 days to respond with documentary proofs of the alleged debt to my address. The Collection company XXXX XXXX XXXX failed to respond to my validation letter, I received no response from this company. I then sent a letter to Experian credit reporting company notifying the company that XXXX XXXX XXXX has failed to respond to my debt validation letter and to remove the Account # XXXX from my credit report. I also provided Experian with the letter I sent to XXXX XXXX XXXX as well as the Certified Mail Receipt from the United Postal Service. Experian credit reporting company responds on XX/XX/2022 saying the collection company verifies the account. This is False, the company XXXX XXXX XXXX was provided 30 days to respond to my debt validation and failed to give me a response at all therefore Experian Credit reporting company needs to remove this item from my Credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute on XX/XX/2022 for 2 fraudulent accounts reporting on my credit file. It has been well over 30 days and there has been no result of the dispute submitted. This is a violation of my rights under the FCRA. The following accounts need to be removed from my credit file. 

XXXX XXXX XXXX XXXX XXXX XXXX I have attached a copy of the dispute submitted for your viewing
Product: Credit reporting, credit repair services, or other personal consumer reports

I have these items that are not mine and i want them to ber emoved from my credit report. 

XXXX  1. Identity Theft CREDIT PLUS Account Number : XX/XX/XXXX This is not mine. 

XXXX  1. Identity Theft CREDIT PLUS Account Number : XX/XX/XXXX This is not mine. 

2. Identity Theft CREDIT PLUS Account Number : XX/XX/XXXX This is not mine. 

3. Identity Theft CREDIT PLUS Account Number : XX/XX/XXXX This is not mine. 

4. Identity Theft XXXX XXXX Account Number : XX/XX/XXXX This is not mine. 

5. Identity Theft XXXX XXXX Account Number : XX/XX/XXXX This is not mine. 

XXXX  1. Identity Theft XXXX XXXX Account Number : XX/XX/XXXX This is not mine. 

2. Identity Theft CREDIT PLUS Account Number : XX/XX/XXXX This is not mine. 

3. Identity Theft CREDIT PLUS Account Number : XX/XX/XXXX This is not mine. 

4. Identity Theft CREDIT PLUS Account Number : XX/XX/XXXX This is not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attached 2 FTC reports with fraudulent collections and fraudulent inquiries
Product: Credit reporting or other personal consumer reports

CAPITAL ONE is violating 15 USC 1666b. This company is inaccurately reporting late payments on my consumer report on the following dates ; XX/XX/year> and XX/XX/year>
Product: Credit reporting or other personal consumer reports

I previously filed a formal complaint with the Federal Trade Commission ( FTC ) regarding unauthorized inquiries on my credit report. The reference number for that complaint is XXXX, filed on XX/XX/XXXX. 
Complaint Description : My credit report contains unauthorized inquiries that were made without my consent. Upon contacting the creditors responsible for these inquiries, they confirmed they have no evidence that I initiated these inquiries and lack any written or verbal authorization from me. 
Due to the lack of valid grounds for these inquiries, I formally requested their immediate removal. The credit bureau in question has not provided a satisfactory response, which is why I filed a complaint with the FTC. 
Details of Disputed Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Fair Credit Reporting Act, FCRA ) : Permissible Purposes : Under Section XXXX, unauthorized inquiries do not meet the requirements for permissible purposes. 
Handling of Unverifiable Information : According to Section XXXX, any inquiry that can not be verified must be removed. 
Right of Verification : Section XXXX grants me the right to verify each inquiry with an original signed contract. 
Information Provider Responsibility : Section XXXX requires that reported data is accurate and authorized. 
Protection Against Identity Theft : Section XXXX mandates the removal of unauthorized inquiries potentially related to identity theft. 
Additional Legal Support : Cases such as XXXX XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX, XXXX ( XXXX ) reinforce that inquiries must meet the XXXX XXXX XXXXXXXX purposes requirements.
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an Accounts passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an 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. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Mortgage

( 1 ) Filed for Modification for Mortgage Loan with Navy Federal Credit Union on XX/XX/XXXX ; ( 2 )  Contacted Navy Federal Credit Union about Modification. Faxed additional documents ; ( 3 ) XX/XX/XXXX faxed letter to Navy Federal Credit Union regarding status. No Response. 

( 4 ) XX/XX/XXXX faxed letter to Navy Federal Credit Union regarding status and requested written response. No Response. 

( 5 ) Telephoned Navy Federal Credit Union and was advised that a Representative would contact me regarding Modification. No Contact.

( 6 ) Faxed letter on XX/XX/XXXX to Navy Federal Credit Union regarding Modification Package. No Response.
Product: Bank account or service

Bank of America reorganized my charges on my account to put a {$38.00} charge at the most recent in order to access me a {$35.00} over draft fee putting em XXXX in my account.
Product: Vehicle loan or lease

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ca, they are permanently closed due to malpractice! I was a victim of a scam. Most people that were scammed with the XXXX XXXX XXXX for no money down have been exhausted of payment due to the scam being found out but I havent and it isnt right.
Product: Debt collection

As of XX/XX/2020 the company has not verified my debt to them with anything that has my signature on it as required by the FAIR CREDIT ACT.
Product: Credit reporting, credit repair services, or other personal consumer reports

Received hard inquries for something that was not even supposed to be a credit pull due to me not authorizing these : XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, AND XXXX XXXX
Product: Credit reporting or other personal consumer reports

This is one of my multiple attempts to notify credit bureaus that I am a victim of identity theft and that I want to query certain records in my documents that resulted from the crime. The documents I'm looking at have nothing to do with any transactions involving goods, services, or money that I've made or approved. Assuming no one cares, remove any material in my credit report that was obtained through alleged fraud or extortion. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is conspiring with Ocwen mortgage company to continue to re-age an old bad debt. I tried to file a dispute online but XXXX refused to accept the dispute. On XX/XX/ I sent, via certified mail, XXXX  evidence/proof catching Ocwen re-aging my account by removing payment data from my credit report. XXXX has refused to fully investigate my claims of fraud, allowed payment history to be removed, allowed payment history to be reported as no data, all while presented with a mountain of evidence of Ocwen 's wrongdoing. I supplied XXXX with the same evidence I am attaching to this complaint. Evidence that includes a copy of an old XXXX credit report showing the missing information.
Product: Debt collection

I have emailed XXXX over 20 times and havent received 1 single direct response. They have only issued a copied and pasted response to CFPB ( constantly referencing old things that have nothing to do with my complaint ) and Trellis that ignores 2 important points. There was an additional point but I know XXXX will admit that they lied to a 3rd party for legal reasons. 

Now XXXX at Trellis is ignoring emails and when he did respond it is to give information to contact DOE FSA Ombudsman which they were already told had previously been done and because this is a private loan the FSA ombudsman cant and wont get involved. Trellis is also ok with them not directly answering the 3 points I have been trying to get directly addressed for months! Its not rocket science simply directly and specifically address my points I need the following directly answered : 2 ) Because XXXX is the original creditor they can contact for due diligence HOWEVER per CFPB and FDCPA I can control HOW XXXX  contacts me and they refuse to acknowledge it and confirm that Email and my XXXX XXXX only are the only forms of communication to me allowed as anything else is inconvenient. The ignore it and repeatedly violate it with 3rd parties 3 ) XXXX ignores any and all emails sent directly to them no matter what I ask. How am I supposed to communicate when they simply ignore all emails? I know they receive them as I occasionally get out of office replies. The only vague non direct response given is only when I file a complaint with the CFPB. I shouldnt have to repeatedly file complaints with CFPB to get an answer when they all have emails.
Product: Credit card

Hi, recently received random email, XX/XX/year>, from CHIME BANK that an account was created in my name. I did not authorize this and have never heard of this bank. I've called and had them close the account, but now I'm curious if they even do any background check when someone is trying to open new accounts. How does this happen?
Product: Credit reporting

I uploaded to Equifax a copy of a Lien Release Notice - Lien Recorded in Error signed by a California XXXX XXXX XXXX representative and a copy of the same release that was filed. This document is the only document that is provided by the CA XXXX. Equifax is insisting that I need to show them a Lien WITHDRAWAL Notice, even though the Lien Release Notice I provided to Equifax clearly shows that the lien was filed in error ( which means that the lien should not appear on my credit report ). Equifax is insisting on a document that the CA XXXX will not provide. This makes absolutely no sense and means that, even though anyone reading the Lien Release Notice would conclude that the lien should not appear on my credit report, this lien will continue to show as " Released '' and negatively impact my credit score. Also, when I spoke with XXXX Equifax representatives, they told me that no one had read the evidence I had uploaded, which means that Equifax 's review process is nothing close to reasonable.
Product: Debt collection

I have a medical collection that i have settled and paid that is showing up on my credit report as unpaid. I have tried contacting the company to get it removed but it remains. Please help
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update or correct this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There has been fraudulent assignments by XXXX, XXXX  XXXX, XXXX XXXX  ; XXXX XXXX XXXX and stolen against my property ( ies ) at XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX Nevada XXXX and XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX. I demand a FULL investigation and criminal prosecution against ALL parties involved in defrauding XXXX & XXXX XXXX for profit since XXXX current. Under ALL Federal mortgage & bankruptcy codes, Especially XXXX laws! 

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

XXXX XXXX XXXX has illegally reported information to other credit reporters as well. According to 15 U.S. Code 1681a. I did not give written consent or any consent for that matter for it to be reported to all credit bureaus. I did not sign anything knowingly or willing for my personal information to be shared with any credit bureau.This inaccurate report is very much so illegal as stated in the U.S. Code 1681a above. This needs to be resolved immediately or i will be forced to take legal action against these companies. I would kindly appreciate if this could be handled in a timely manner and appreciate your understanding.
Product: Debt collection

I keep getting threatening and rude phone calls from XXXX XXXX XXXX phone number XXXX regarding a debt I do not owe. They 've threatened to have me arrested, but refuse to send me a statement that I owe anything in the mail. They have my SS #, but wrong address.
Product: Debt collection

We are a corporation located in the XXXX XXXX of Virginia. Our corporation is XXXX, XXXX. 
We received a collection notice from the law firm of Linebarger , Goggan , Blair & Sampson, LLP. The collection stems from a red light camera ticket, which we never received notification of, that allegedly occurred over ( 2 ) years ago in XX/XX/2016. 
Upon initial contact with the stated law firm, we were advised that no proof or copy of the ticket could be provided to us and that WE COULD NOT contact the clerk of the court in the county in which the ticket was issued, and even if we did, the clerk would not speak with us. We were further advised that no other options were available and we had to deal solely and directly with the stated law firm. When we requested the citation or case number, we were given an incorrect case number. 
Upon secondary contact with the stated law firm, a supervisor name " XXXX XXXX '', advised us that the clerk of court of the county in which the ticket was issued had instructed the stated law firm not to negotiate or settle any tickets for less than the demanded amount. 
After contacting the clerk 's Office of XXXX County Court, we were advised that the information that the stated law firm had given us was false. The clerk stated that we could talk to them about the traffic citation at any time. The clerk further stated that they had not in fact prohibited the stated law firm from negotiating the fees they themselves had added to the citation for cost of collection. The clerk continued to advise us that we in fact had recourse with the court and could ask for the ticket amount to be reduced. Even more, the clerk stated that we could pay the clerks office directly and did not have to deal with the stated law firm as instructed. 
We assert that the above interaction with a debt collector is a blatant violation of the fair debt collection act to the extent that the stated law firm continually lied and provided disinformation to us regarding the alleged debt solely as a tactical means employed to increase the odds of collecting the alleged debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have called, mail and honestly cry alot dealing with this company called Santander. I have been trying to get this charged off removed from my account. I was told today XX/XX/XXXX that Santander sold my debt to XXXX XXXX XXXX, XXXX. I have attached a letter from XXXX XXXX stating " We have closed this account and placed it in a status that will prevent it from being sold or reassigned. '' on XX/XX/XXXX by XXXX XXXX from XXXX XXXX XXXX, XXXX. Yet it's still on my credit report. 

I was told by NJ AG that this account would be removed from my credit report due to the Santander Multi State settlement.