23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, this complaint is not made in error nor is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some account. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports... no consent is fraud. Please delete the account below from my report : XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$11000.00}
Product: Checking or savings account

This is related to existing complaint XXXX. Because I can not submit additional information after I have submitted the complaint, I am providing you an update that the bank is lying to the CFPB. Please see the attached whereby the chairman and CEO of the payee ( XXXXXXXX XXXX  ) stated that Chase confirmed the check that was fraudulently endorsed and deposited. There should be no reason why JPMorgan Chase is not reimbursing the funds. Due to the large nature of the transaction I have lost over {$35000.00} in investment potential because JP Morgan Chase has not refunded this amount due to their wrongdoing.
Product: Credit reporting or other personal consumer reports

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card

My soon to be ex-wife took out several credit cards and loans in my name and left me with over {$30000.00} of debt. I currently have several collection agencies trying to get money from me and my credit score is horrible.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an inaccurate account that is reporting to my EXPERIAN and XXXX credit report. I sent a letter via standard shipping on XX/XX/2021, and I have yet to receive any explanation of this unknown account. This agency is in violation of the U.S. Fair Credit Reporting Act by failing to respond within 30 days. I am asking for proof of this debt or remove this account from my report. I also tried to submit a dispute for EXPERIAN online and received an error message being that this dispute is in process. This dispute should be over. Remove the following account Account : XXXX XXXX XXXX Amount : {$360.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  on my 3 credit bureaus is a account i did not authorized and there reporting damaging inaccurate information on my credit report i reached out numerous of times but get ignored Last reported Date Last active Past due Date of last payment Date opened All inaccurate information i did not give written permission. 

XXXX XXXX Equifax
Product: Checking or savings account

I reached out to chime customer service chat and asked if my deposit was pending. I was told yes, it was pending and that I would receive it by XXXX today. 

When it didnt arrive I was told the agent lied and my deposit wasnt pending. So I asked for a supervisor and was rerouted from agent to agent for an hour. 

I also noticed that chats were now missing from my chat history. The chats Ive screenshot here have been omitted from my chat history because the chats prior to today are still visible but these are not.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX has XXXX harrassing my credit report by reporting the account is closed for the past 3 months on different days. This account was a charge off back in XX/XX/XXXX as a charge off. I never received a XXXX from XXXX XXXX and I never received a bill of sale of the vehicle that was auctioned in XX/XX/XXXX. They have refused to cooperate with me and since XX/XX/XXXX, they have been reporting the account closed monthly. I will provide proof.
Product: Mortgage

I have been trying to starve off foreclosure and i was told in XX/XX/XXXX by the bank SLS a payoff of arrears of {$220000.00}, now i finally got together {$240000.00} together sold a business and i then requested in XXXX the payoff from the bank that was good through XX/XX/XXXX they send me a payoff of {$280000.00} now my mortgage per month is only XXXX per month but the bank increased the payment between XXXX 1 month of {$60000.00} increased and all my taxes were paid nothing outstanding so i questioned the bank and requested them to explain how my mortgage arrears went up {$60000.00} in one month? they have refused to get back to me or my attorney XXXX law handling this. The most my arrears should of went up in one month is {$3200.00} not {$60000.00} ... the bank is stalling because the longer they get back to me the more the mortgage arrears goes up.
Product: Credit reporting, credit repair services, or other personal consumer reports

Vehicle was deemed a total loss after hurricane harvey and gap insurance paid remaining balance but it was reported as a repo and my credit score dropped XXXX points ... .the balance was paid in XXXX {$220.00} and it is still not been removed. This was a natural disaster area and they put my payment history as late ... as a result my interest rates have skyricketd
Product: Credit reporting or other personal consumer reports

I sent my letter on XX/XX/2023 asking the credit bureaus to " investigate every piece of information '' on the accounts I have attached. 

According to the FRCA, the term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information.

They stated my account was verified but how is that possible if they did not do a proper investigation according to the law? Also, many pieces of information on these accounts are still not reporting 100 % accurate and according to the FRCA 15 USC 1681, everything has to be 100 % accurate. I have attached the credit report showing the inaccuracies and inconsistencies. How have the credit bureaus verified these accounts if they are showing so many discrepancies on fundamental pieces of information such as addresses, date account opened, balances. 
I asked the credit bureaus to share their method of verification and validation of these accounts, but they failed to respond.
Product: Credit card or prepaid card

I started using XXXX XXXX and realized there is a secured credit card through Bank of America under my name being used. I have never applied or obtained such card and I have only had a secured credit card through XXXX XXXX in the past and it was paid and closed over 2 years ago. This card is being used and paid under my name and its not accurate. I have no such card or account. I tried submitting a complaint through XXXX but its asking me for an account number to the card which I have no knowledge of, or possession. Please help me investigate this matter or please advise what I should do. Thank you very much. 
Kind Regards, XXXX XXXX XXXX XXXX XXXX
Product: Consumer Loan

In XX/XX/XXXX, I applied for a home equity loan with key Bank for the amount of XXXX. I built the home in XX/XX/XXXX and with the use of my personal credit cards I bought items needed to finish the home. I applied for the equity loan with the option of paying off the balances of all credit card debt. Off. Key Bank was paying the credit card debt directly form the loan. The home was appraised at XXXX I have a XXXX dollar montage on the home. This low mortgage and the value of the home gives me the equity needed to pay off the credit cards, finish decks, sidewalks etc. I have NO debt other than my mortgage / which is XXXX a month. Taxes are XXXX per year, land and school. My income is XXXX per year. without credit card debt, i have the necessary income to live very comfortable financially. In XXXX, key Bank came back to me with an offer of XXXX. I rejected the offer as it was only paying off credit cards, not giving me enough to finish the touches around the house. My credit score at that time was XXXX. In XXXX, SOMEHOW.. A mistake was made to the credit agency XXXX. Key Bank reported that I had been late on a mortgage payment! This never happened. I called the mortgage company XXXX, told them of the situation they said, ( usalliance NEVER reported a late payment. That I have never been late ) I called XXXX they said, ( they did not receive a late report either. ) finally a Letter was Faxed to Key Bank stating that this was an Error with XXXX and was rectified..my credit score was at a XXXX standing on XX/XX/XXXX. Key Bank sends me a denial of loan based on.. 

Balances to high on all open accounts ( supposed to be paid off with loan. ON THE APPLICATION! ) Proportion of balances of loan amounts to high. 
Number of inquiries within XXXX months. ( only with Key Bank! ) Length of time since recent account open. 
How is this possible? You tell me how I was approved for XXXX in XXXX XXXX, if any of this is true. 
Then an ERROR WAS MADE ON MY CREDIT REPORT?! 
I am XXXX years young and BELIEVE that this is a clear judgement of AGE discrimination! I will wait for your response before consulting my attorneys. 
XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the Credit Bureaus to delete these suspicious items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior COMPLAINT and I'm including them again. 

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

On XX/XX/XXXX i received a packet from XXXX  XXXX XXXX which included a credit card in my name and the account was opened and already had a {$59.00} dollar fee on the account. I did not fill out an application for this card. A letter was enclosed saying that they received XXXX applications from me and approved only one and deleted the other. I called XXXX XXXX XXXX and told them that i did not apply for this card and it is fraud. They closed the account and i cut up the card. I pay a fee to XXXX to monitor my credit, I also had my credit locked. This means if i even apply for any loan it will be denied because of the lock on my account. Although XXXX caught the inquiry and flagged and deleted it, the inquiries still went on my Transunion and XXXX credit report as a hard inquiry. I called Transunion and XXXX to get each of them monitored to let me know if any inquiries come from now on. The inquiry from XXXX  XXXX happened on XX/XX/2022. Bank info who made inquiry is XXXX  XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX Tx XXXX. Their phone number is XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Experian was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following inquiries listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX  Date of inquiry XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

The items listed below are reported on my personal credit file and were found in my reports with XXXX credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regard to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

I PULLED MY EQUIFAX CREDIT REPORT AND NOTICE SEVERAL FRAUDULENT ACCOUNTS THAT SHOULD NOT BE REPORTING. I TRIED CALLING THE CREDITORS SEVERAL TIMES AND SEND OUT DISPUTE LETTERS. NO RESPONSE WAS MADE. I NEED ALL ACCOUNTS/INQUIRIES REMOVE 

15 U.S.C 1681 Section 604 A Section 2: It also states a consumer reporting agency cannot furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been disputing fraud accounts on my credit report since XX/XX/2021. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 130 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

Consumer Finance, On a recent review of my credit report , I discovered XXXX XXXX XXXX reporting the collection account referenced herein. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), I hereby notify you that I am disputing this debt in its entirety, and you are required to provide me with validation of the debt by providing me all of the following information : Copy of original contractual agreement bearing my signature A clause in the original signed contract that authorizes a third party like yourself to collect on this debt.

Statements from the original creditor and itemization of monies owed Copy of bill showing last default date Proof that the debt is valid and collectible and within the statute of limitations for this state Proof that you are licensed to collect in my state of residence Agreement between your company and the original creditor that authorizes you to collect on this debt I am also requesting that you cease and desist from all collection activity pertaining to this account. You are only to contact me via mail at the address I have provided herein. I am allowing you a period of 30 days to produce this information. If youre unable to validate the account, then you are to remove the collection account from my credit reports. 

Your failure to act will result in this matter being referred to the Consumer Financial Protection Bureau and the Attorney Generals Office.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit with the fair Credit Reporting Act XXXX XXXX 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 an account without my written instructions.
Product: Payday loan, title loan, personal loan, or advance loan

I started receiving text messages from Uprova on XX/XX/year> with codes. I reported the sender as junk and scam. I never clicked on the link and never applied for a loan. I received another message on XX/XX/year> about an upcoming payment being due. Then I received another text on XX/XX/year> stating insufficient funds. 
I never applied for a loan or line of credit from this company. I contacted the company and they gave me an ID theft form. I dont feel comfortable filling it out. I never applied for any loan or line of credit.
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX XXXX XXXX, am verifying that I, XXXX XXXX XXXX XXXX, am mailing out this information. In doing so, this plus my SSN and I.D is enough proof of validation. I have noticed inaccuracies on my consumer report. It is extremely urgent that you remove any addresses that are not the one listed below.

According to 15 USC 1681e Compliance and Procedures section ( b ) Accuracy of report : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

I have already sent mail out and it has been over 30 DAYS before I received a response which now means the credit reporting agency is now in VIOLATION of my consumer financial rights! Second, the F.C.R.A states, Section 607. Compliance and Procedures [ 15 U.S.C 1681e ] ( b ) Accuracy of report, the CRA must provide me with a copy of my consumer report at 100 % accuracy at all times! These addresses and old personal information do not belong to me and are inaccurate therefore violating my consumer rights. Lastly, F.C.R.A says, Section 609. Disclosures to consumers [ 15 U.S.C. 1681g ] Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. These errors must be fixed at once. Once done send me report of everything removed at :
Product: Credit card

Order of Events XX/XX/2023 : 1st Notice I endorsed the bill and sent along with a Letter of Instructions - Re : Claim of Credit, which was sent to the billing department located at : XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX CA XXXX. 

XXXX XXXX Tracking # XXXX ( delivered on XX/XX/2023 ) A copy of the endorsed bill was also sent to XXXX XXXX XXXX XXXX located at : XXXXXXXX XXXX XXXX  XXXX, XXXX, VA XXXX, along with a Letter of Instructions - Re : Claim of Credit, a notarized Power of Attorney, and a copy of the Federal Reserve Act Sec. 16, Part 1 & 2. 

USPS Certified Tracking # XXXX ( delivered on XX/XX/2023 ) XX/XX/2023 : XXXX Notice I resent the copy of the endorsed bill to XXXX XXXX XXXX XXXX located at : XXXXXXXX XXXX XXXX XXXX  XXXX, VA XXXX, along with a Letter of Instructions - Re : Opportunity to Cure, a copy of the Federal Reserve Act Sec. 16 and Sec. 29, and included a copy of the delivery confirmation from USPS of the 1st Notice. 

USPS Certified Tracking # XXXX ( delivered on XX/XX/2023 ) XX/XX/2023 : 3rd Notice I resent the copy of the endorsed bill to XXXX XXXX XXXX XXXX located at : XXXXXXXX XXXX XXXX XXXX XXXXXXXX, VA XXXX, along with a Letter of Instructions - Re : Default of Notice, a copy of the Federal Reserve Act Sec. 29, and included a copy of the delivery confirmation from USPS of the 2nd Notice. 

USPS Registered Mail Tracking # XXXX ( delivered on XX/XX/2023 )
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items :
Product: Credit reporting or other personal consumer reports

I have been repeating all steps to reach a fraud department in this company and they keep saying they dont have telephone for them neither email or mail address