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

I received my state tax refund check in the mail on Monday XX/XX/2020. I immediately took it to the bank and deposited into my checking account at Chase Bank. I know checks take time to process so I didn't think anything of it and continued my day. The next day I go to buy food for my XXXX toddlers. My debit card is declined despite me knowing I have money on it ( money that's not from the check, but fromy XXXX XXXX ) So I look into it and find out that my entire account has been frozen. I have received no communications, letters, alerts, or any attempt of contact with Chase bank at this time. I reach out on social media to which I receive an automated response. Then I try to call about it and I sat on hold for 3 hours then got hung up. I called again and waited another 3 hours to get hung up on. Another 3 hours then told they are now closed. So the next morning on Wednesday XX/XX/2020 I receive an electronic letter from chase  stating I can not use my account and they are closing it because I didn't provide requested information. They never requested any information. So the second they opened, I called and waiting an hour to talk to someone. They told me the account would be fixed, the hold would be lifted, and I would have access to my funds as soon as my husband took two forms of identification to the local branch. So we did. And they said they couldn't do anything without calling. So 3 hours on hold and they answer talk to the representative, and hang up. Then they say there is nothing they can do I will have to wait three months to get my state of Colorado check back in the mail. I was lied to by someone because I was told if my husband brought identification it would be fixed and I'd access my funds. This was not the case and now we are unable to get through to any chase representative. I need this to be fixed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted numerous disputes with Transunion, XXXX, and XXXX about two of my accounts. The first one is passed statue of limitations here in Florida and I have even tried to work out something with them. I have yet to hear or see it removed after two months. XX/XX/XXXX is when the first dispute was finished. 

The Creditor 's have not responded either. 
Here is the first account. 


XXXX XXXX View All Accounts Previous Next Details Account # XXXX Original Creditor - Company Sold - Account Type Revolving account Date Opened XX/XX/XXXX Account Status Closed Payment Status Charged off as bad debt Status Updated XX/XX/XXXX Usage 96 % Balance {$670.00} Balance Updated XX/XX/XXXX Credit Limit $ XXXX   Monthly Payment - Past Due Amount {$670.00} Highest Balance {$600.00} Terms - Responsibility Individual account Your Statement - Comments Profit and loss writeoff Contact Information XXXX XXXX XXXX, OH XXXX ( XXXX ) XXXX Payment History On Time120120+ Days Late3030 Days LateFPFailed to Pay6060 Days LateNNegative9090 Days Late The second is my XXXX Account which I have an active one and for some reason they said I got a Card in XXXX that is negative. This is 100 % % % % Not true. I did have one over 10 years ago but when I called and got my new XXXX card they added this from XXXX which I never once opened an account! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$2500.00} XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit karma gave me a pre approval for a laf and credit cards when I applied I was denied and it hurt my credit score couldn't get a house or car because of the low credit score raised my interest on my insurance
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the accuracy of the following account on my credit file. Upon reviewing my credit report, I found significant discrepancies across the credit bureaus, which may indicate non-compliance with the Metro 2 format and CDIA guidelines. Ive previously disputed and was not giving a proper investigation XXXX Account XXXX : XXXX
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 Experian and 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 : LIST OF ITEMS TO BE REMOVED XXXXXXXX XXXX XXXX BALANCED {$0.00} XXXX XXXX XXXXXXXX ( Original Creditor : XXXXXXXX XXXX XXXX  XXXX ) XXXX BALANCED {$700.00} XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX BALANCED {$1400.00} XXXX XXXX XXXX XXXXXXXX {$360.00} ( Original Creditor : XXXX XXXX XXXX BALANCED {$350.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX credit report maintained by you which shows the aforementioned fraudulent items. 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 # ( private case number ) 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 or other personal consumer reports

Credit reporting agency, Experian is in non-compliance with proper investigations into active disputes. The company has verified accounts with XXXX after being provided with documentation/proof that their is no debt of the accounts and that the accounts are not in collections. Experian has received all notices and pursuant to the FCRA HAVE NOT done there job on maintaining the accuracy of a consumer report.. The credit reporting agency has for months verified information to my consumer report without providing whom they spoke with, the name of the person and etc. They have not looked at all verifying information sent in to their company to help the investigation. I have advised Experian on different occasions that the reporting collection agency is XXXX and not XXXX this is inaccurate information and must be removed. The collection Agency, XXXX does not report to collection agencies and that XXXX is reporting and should not be as they no longer have the account. Experian has not done anything. I am filing a lawsuit for company, Experian for their false and misleading practices of them providing services pursuant with the FCRA on reporting the accuracy of a consumer report. Experian has received information in other CFPB complaints as advised attaching the information to the dispute, but in my belief they have not looked at the supporting documentation all which shows proof of the inaccurate reporting of the accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

noticed this on my credit report and I tried to contact the consumer however no luck. This is not my account
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these accounts are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the banks directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ACCOUNT? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy.

Please DELETE the account, or inaccurate information, from my file immediately XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I have been in foreclosure since XX/XX/XXXX and I have been in and out of court. I am trying my hardest to keep my home. At that time my mortgage was being serviced by XXXX XXXX and the owners were XXXX XXXX. During XX/XX/XXXX my loan was transferred to XXXX then to XXXX, then XXXX XXXX XXXX, to XXXX, and now its at Madison Management Services. I am currently working with XXXX, a HUD approved counseling center. I have applied for a loan modification and each time they say they have not recieved my modification packet. My case worker at XXXX is trying to get in touch with Madison Managment but she is being told she needs to contact XXXX XXXX XXXX but we were told that it was transferred. I dont quite know whats going on. I am not sure if mortgage companies can keep transferring. I also do n't know who owns my loan. I have been submitting my personal information to all these companies and I 'm not sure if I should be. Can someone please call me to advice me.
Product: Vehicle loan or lease

I reached out went my car went down and tried to make a warranty claim because I am paying for a warranty in bi-weekly payments. The representative at Westlake told me that they couldn't honor my warranty because they only collect payments. I was also advised to contact US Auto Sales because they put a repossession on my credit report and to speak to them about my warranty, but they can't provide me with a phone number. How can I contact someone who is no longer in business? I made the decision to do a voluntarily repossession because US Auto Sales put a repossession on my credit report and it never was repossessed until I called and return the vehicle. This company is a scam.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and the date last reported is inaccurate. This is grounds for removal they also violated my rights under : 15 U.S.C 1681 section 602 A. that states I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 that states a consumer reporting agency can not furnish an account without my written instructions. 

Also, the Credit bureaus took more than 30 days to complete my investigation here is my certified mail tracking # XXXX.
Product: Checking or savings account

On XX/XX/year> my employer direct deposited my paycheck like it has done for the past 2 years and I waited for days with it being XX/XX/year> with nothing showing in my account and I have my paystubs showing it was deposited into my account like it always has
Product: Consumer Loan

First Niagara Bank was bought out by Key Bank. 
During the transition some accounts disappeared and such. 
For Me I was locked out of my account for over 40 days and could do nothing about it. 
I visited a branch and was told they would fix it, but did nothing. 
I have been in communication with the executive office and keep getting the run around and now several months later, issue is still yet to be resolved. 
I continue to have my credit damaged because of their failure to correct this error. 
They have waived late fees, but not any interest or doing anything to compensate for the issues arising out of the situation. 
The executive office refers me to the auto loan collections department who on 3 separate occasions have refused to update information that was advised by the executive office.
Product: Debt collection

Edwin Parry law office REFUSES to accept any payment unless I provide them with far too much information. All they should need to accept payment is confirmation of who I am and a valid debit card number. They refuse to allow me to pay unless I provide them with all of my information. Including my place of employment. The moment they receive my information they will start garnishing my wages, rather than allowing me to make a payment plan. The lady on the phone was extremely rude and hung up on me.
Product: Mortgage

A complaint letter is attached as there is not sufficient space in this box to fully elucidate the issues I am having with BSI Financial Services.
Product: Credit reporting or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT : XXXX 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, credit repair services, or other personal consumer reports

Hello, This is the fourth or fifth time that I must contact this agency to fix the issue. This is not customer friendly or consumer-oriented. The company 'XXXX  XXXX XXXX illegally opened two accounts in my name instead of one. Proceeded to split charges between two accounts, while only sending paper statements for one. Represented that the account was fully paid off with a credit limit of {$1000.00}. Meanwhile, the other account was overdue with a credit limit of only {$300.00}. The website they provided to the consumer was NOT operational and the consumer could not log in. The consumer sensed something was wrong and submitted numerous tickets through XXXX XXXX online portal to alert the company that the user could not log in to view statements and that only statement of {$0.00} due was being sent. Finally, the consumer called 'XXXX  XXXX XXXX to find out what is going on, at that time XXXX XXXX has finally admitted that there were two accounts and one was past due collecting fees well beyond the credit limit. The consumer paid off the actual amount due for the item purchased and refused to pay the late fees due to the illegal practices of the company and misinformation. The consumer also requested that all of the accounts be closed immediately. 

The company 'XXXX  XXXX XXXX, instead of waiving fees, recorded the account as 'C/O ' at {$480.00} and stated that they are the ones that initiated the account closure. Not only that, but the company 2 years later are also still reporting this account as 'C/O ' misrepresenting that the card is open/active. 

The company 's XXXX XXXX XXXX ) justification for this illegal practice was that it provided consumer statements via email. The consumer has provided copies and documents of these emails which contain no statement information. The only information they contain is a link to the account with verbiage that the statement is ready. This does not provide any indication to the consumer about any issues or amounts due. 


At this point in seeking resolution for over two years, my rights as the consumer have been severely violated by damaging my credit score and continuously reporting erroneous information to the credit bureaus.
Product: Credit card

In late XXXX and early XXXX as I traveled frequently outside the US, my Chase credit card account was cloned or somehow used fraudulently without my knowledge or approval for goods or services I never approved or used. It would happen randomly over time, and each time I notified Chase of the issue, either through text, online chat, app, or phone call. They would investigate and find it was fraudulent as well. Several times I asked if it could be prevented or if I could get a new card, but they never completed that request. Then later in XXXX, Chase closed all of my accounts ( not just the affected credit card ) without notice. They have refused to open accounts since, even though it was fraudulent activity from identity theft ( and some incompetence in their own prevention teams ). 

I am unable to see any history since the accounts are closed, otherwise I could point out the several XXXX dollars of fraudulent charges they let through on my account, and the many message I sent to their customer service teams about the issue. 

Additionally, since that time I still receive nearly weekly offers from Chase, may of which are pre-approved since my credit score is so high ( well above XXXX at all XXXX credit reporting agencies ). Thinking they have corrected their mistake, I have responded to a few. The account gets opened, the card arrives, and then gets canceled immediately. At this point I'm not sure if it's miscommunication among departments at Chase or harassment. But either way, it can be damaging to my credit history and score. 

I have sent several requests to get this fixed, but have never heard a specific reason for their inappropriate action. There is only generic message responses like : " We closed your credit card account on XX/XX/XXXX, because we closed a previous credit card. '' Which doesn't explain anything. Direct emails and calls to the executive office have not been responded to either. 

To make this crystal clear, I have included a FTC identity theft report that also covers my history with this fraudulent charges on the account. And what may be other potential violations of federal law like the Truth in Lending and CARD acts, I think a reasonable resolution is listed below.
Product: Credit reporting, credit repair services, or other personal consumer reports

FCRA violation. How is this verified? Not Late. Inaccuracies placed on my report. Company failed to give notice or reason why this account is late, then reporting negative things on my account, why is that? -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- DEPT OF EDUCATION/XXXX XXXX {$23000.00} XX/XX/2018 DEPT OF EDUCATION/XXXX XXXX {$9100.00} < -- -- Please see attached documents, accounts are NEVER LATE also INACCURATE DATA placed on my report, either EXPERIAN or the Creditor is DAMAGING report! -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- --
Product: Credit reporting or other personal consumer reports

On XXXX XXXX  I was a victim of identity theft and someone tried unsuccessfully to apply for a credit card in my name. This was report and fraud alert issued but XXXX XXXX is not removing the hard inquiry affecting my credit. I never applied for a XXXX XXXX XXXX credit card and I should not have my credit score affected because someone stole my identity.
Product: Credit reporting or other personal consumer reports

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to remove these inaccurate accounts in my file. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

Dear Credit Bureau, I am writing to request a detailed description of the investigation process followed by your agency regarding the disputed accounts on my credit report. Pursuant to the Fair Credit Reporting Act FCRA ), 15 USC 1681 | ( 7 ) .Under Section 15 USC 16811 ( 7 ), credit reporting agencies are obligated to provide a description of the investigation within 15 days of receiving a consumer 's dispute. 

XXXX XXXX ACCOUNT NUMBER XXXX XXXX XXXXXXXX ACCOUNT NUMBER XXXX XXXX XXXX ACCCOUNT NUMBER XXXX XXXX XXXXXXXX ACCOUNT NUMBER XXXX XXXX  XXXX ACCOUNT NUMBER XXXX XXXX XXXXXXXX ACCOUNT NUMBER XXXX XXXX XXXX ACCOUNT NUMBER XXXX XXXX XXXX ACCOUNT NUMBER XXXX XXXX XXXX ACCOUNT NUMBER XXXX XXXX XXXX ACCOUNT NUMBER XXXX XXXX  XXXX ACCOUNT NUMBER XXXX Provide Provide the description of the procedure of the investigation used to verify this account if you can't delete this account immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed it with XXXX  and they are still reporting the information is correct. Someone used my information. I have no recollection of this account and it is killing my credit score
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of 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: Debt collection

I contacted Unifin XXXX  times via their online portal and XXXX via chat to ask for documentation of validation for the debt. 

When on chat I was told they were only a collection agency and didn't have that information. Was also told there is no statute of limitations on debt and it will always be connected to my SSN. I denied this and asked again for validation and they stated they would note I was unwilling to pay. I tried to say this isn't right and they ended the chat. I have screenshots of this conversation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed a car loan on my credit from XXXX XXXX XXXX. I never purchased a car from this creditor. I contacted the creditor and told them that I never purchased a car from them. They stated that it was done in a different state. I have never been in that state. Now they are reporting late payments on my credit. I sent them an FTC FRAUD AFFIDAVIT and informed them that this is fraud. They refuse to remove this rom my credit knowing there is a car out there in my name through them and IT IS FRAUD
Product: Credit reporting or other personal consumer reports

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no XXXX party involved. Please review the uploaded letters.