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

I HAVE REACHED OUT TO THE BUREAUS AND ASKED THEM TO REMOVE THE INFORMATION RELATED TO IDENTITY THEFT. I SUBMITTED AN FTC THEFT AFFIDAVIT AND POLICE REPORT BUT THEY HAVE BEEN IGNORED AND THE FRAUDULENT INFORMATION IS STILL BEING REPORTED.
Product: Checking or savings account

WITHDRAWALS FROM SAVINGS -- XX/XX/XXXX -- {$7000.00} XXXX -- XX/XX/2014 -- {$10000.00} -- XXXX -- XX/XX/2014 -- {$20000.00} -- ANOTHER {$20000.00} -- - {$35000.00} -- -- ONLY TWO WITHDRAWALS -- XXXX PAID WITH MY PAID FOR XXXX XXXX XXXX I WENT SOME MANY TIMES FOR HELP THEY RUN WHEN THEY SEE MYSELF.. XXXX XXXX SIGNED EVERYONE-NOT SPENT ON MYSELF AS PAYEE REP. IN XXXX I RESPECTFUL ASK A CHARGE FOR EVERY CENT. MANY BLESSINGS.
Product: Debt collection

Earlier this year, XXXX XXXX and their lawyers Hayt, Hayt, and Landau, LLC filed a suit against a person at my address with the same name as me. 

I called them and we collectively concluded that the social security number and date of birth did not match. They said they would remove the case. 

This week, I received a subpoena stating that I had to pick a payment plan or I would be impressioned.
Product: Checking or savings account

I had accounts with Santander bank in XXXX NH  while I lived there XX/XX/XXXX until XXXX or XX/XX/XXXX. I recall there was some impediment to closing my account when it was time for me to leave ( moved to XXXX XXXX ), so I zeroed out my account and did not expect any further charges. Santander has my phone number and email address, as they have not changed over the past 15 years or so. I recently received a credit report summary showing I had an outstanding debt with them of over {$1400.00}. I called their customer service to inquire and told they would send me a settlement letter and stop the recurring monthly charges. I was told these stemmed from automated charges that posted after I left and that Santander was tapping my overdraft line of credit, each time incurring charges of {$45.00} and {$10.00} each month. However, texts and calls did not stop and I did not receive a settlement letter. I called Santander three more times. In the last two calls, I was told that they expected full payment and were unwilling to negotiate. My account had never been overdrawn in the four years I lived in NH. I feel Santander should have contacted me so I was aware of the situation and could've mitigated the fees that accrued. As it stands now, I owe $ 1400+ for an account that I thought had been dormant since XXXX. The attorney I contacted suggested I file a complaint. He told me Santander is notorious for not attempting to come to a fair negotiated resolution.
Product: Credit card

On XX/XX/XXXX, I was informed a dispute was resolved in my favor. The balance has gone back to XXXX. The representative confirmed no payment will be drawn from my account. 

However, on XX/XX/XXXX, I saw autopay drew {$48.00} from my checking account despite the XXXX balance. My BoA credit balance now has gone to XXXX. 

I called to get the XXXX out and corrected. I was told to wait XXXX to XXXX business days for the XXXX dollars to be send back to my checking account. 

XXXX days have passed. Balance stayed XXXX. 

On XX/XX/XXXX, I called again because balance was still- {$48.00}. A representative named XXXX picked up the phone, reassured me the balance will be refunded by XX/XX/XXXX. 

XX/XX/XXXX. No refund was processed still. I called again. The call took XXXX minutes. A representative now says it will take XXXX billing cycles to get the negative balance back. I was transferred to a XXXX, who now says the request was submitted as a " payment error inquiry '', not a " regular refund request ''. She will have to restart the process all over again and I will not see my refund arrive by at least XXXX or later.
Product: Credit card

I booked a rental car to be picked up in XXXX, XXXX and return at XXXX, XXXX in XXXX 2015 through a website XXXX and pay with my Chase Ink Business Plus credit card. The rental fee I paid ( {$410.00} ) in advance included snow tire, one-way drop fee, etc. and other charges. At the time of pick-up, the clerk from rental car company, XXXX, requested I authorize a security charge on my Chase Ink card and assured me that it 's for security garantee purpose. Whe I returned the car in XXXX, I was directed to park the car at a underground parking garage with no human present and just lock and leave it there. My credit card was later charged an additional {$900.00}, and XXXX sent my a bill listing service charges that I either have already paid through XXXX or have never listed in the original service list. I filed a dispute with Chase on the duplicate service charges as well as un-listed service charges. My disput was denied by a Chase staff XXXX XXXX on the ground that " services were delivered ''. I called Chase to find out how I can appeal the decision and I was told the only way was to send a fax. I did send and appeal with all evidence of duplicate/unlisted charges. I stated that I was disputing duplicate and unlisted charges, not whether service delivered. The appeal was denied by the same person ( XXXX XXXX ) simly with the same reason " services were delivered ''. I don 't feel that Chase has really looked at my appeal, instead just sent it to the same person who just threw it back to me.
Product: Credit reporting, credit repair services, 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. 

Accounts : XXXX XXXX opened : XXXX XXXX {$2800.00} XXXX XXXX opened : XXXX XXXX {$110.00} XXXX XXXX XXXX  opened : XX/XX/2018 {$3100.00} 15 U.S.C 1681 section 602 A states I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report. I was shocked to lesrn that XXXX been a victim of identity theft. I found numerous accounts on my credit report that were not open by me. This has been hurting me as i am in the process of buying a home for my family. Please remove the fraudulent accounts from my credit report as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent both Equifax and XXXX  a request to provide me the original baring instrument that they had on file proving that they applied the accounts that were truly mine onto my credit file. I stated to both credit bureaus in writing that the FCRA Law Section 609 mandates that their agency have on file at the time of reporting a signed document showing that all accounts listed in my original letter were truly mine. However, both agencies have not provided me any documentation as required by the FCRA Law Section 609 stating that they have verified and have the written instrument showing that the accounts that I had in question belonged to me, which bared my original signature. However, both credit reporting agencies failed to send me the verified document, but instead, they just disputed the account with each creditor and then they lowered my credit score. I have also paid nearly {$8000.00} to one of my creditors ( XXXX XXXX XXXX ) in XXXX ofXX/XX/2019 and Equifax still did not increase my credit score. They lowered it. I have been on the phone with Equifax and XXXX  for several, several hours getting nowhere. Each representative appears to not be knowledgeable of the FCRA Law Section 609. They only offered to dispute the accounts that I listed on the letter I sent them certified. However, I did not ask them to dispute the accounts with the creditor, I specifically asked each Credit Bureau to provide me the proof of the signed instrument bearing my signature which they should have on file proving the account was mine. They have failed to do this and I would like the CFPB to enforce each credit bureau agency to comply with my request and since they do not have any proof that the account is mine to delete it off my credit file. I have attached the certified letters that were sent to both credit bureaus with this complaint.
Product: Checking or savings account

XX/XX/XXXX at XXXX Chase bank on XXXX XXXX XXXX XXXX XXXX, XXXX Arizona XXXX I went to withdraw XXXX from my account. The ATM did not withdraw the money and still removed the money from my account. The atm instead generated a receipt of the incident saying to call the number and make sure my account was credited correctly. It was not credited correctly. It returned XXXX XXXX  of my XXXX XXXX  removed. I went inside to the branch and the teller did nothing besides call the same number because they claimed their ATMs are handled by a 3rd party. called the number myself and they said it would take 12 hours to a business investigate the claim. No money has been returned back to my account and I am still without my funds. If this happened the other way around the authorities would immediately resolve the issue. This is occurring right before XXXX on a weekend. I wont have any word on this being investigated for multiple days.
Product: Debt collection

I noticed a collection on my credit report from Commonwealth financial. I do n't know where this came from. They never contacted me or anything. they just reported this error on my credit. I have been writing them for XXXX months asking them to validate the account. They wo n't respond yet they keep reporting this on my credit. This is wrong
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX and I am submitting this CFPB Complaint to vehemently dispute the fraudulent items listed on my credit report. It is utterly unacceptable that these accounts are present on my report, especially since I did not open them or give authorization for anyone else to do so on my behalf. I am appalled that you have not taken the initiative to remove them already. The items in question are listed below, and I expect that you will take immediate action to remove them : XXXX XXXX XXXX XXXX XXXX, MO, XXXX XXXXXXXX XXXX XXXX, XXXX XXXX, MO, XXXXXXXX XXXX XXXX XXXX XXXXXXXX Unpaid Balance {$700.00} XXXX XXXX  XXXX Unpaid Balance {$0.00} XXXX XXXX XXXX XXXX Unpaid Balance {$1300.00} XXXX XXXX Unpaid Balance {$0.00} XXXX  XXXX XXXX Unpaid Balance {$16000.00} XXXX XXXX, XXXX XXXX  XX/XX/2022. I insist that you provide me with a written response outlining the results of your investigation, and I expect to receive an updated copy of my credit report once the fraudulent items have been removed. Do not underestimate the seriousness of this matter. I am taking all necessary steps to report this case of identity theft to the authorities and will not hesitate to pursue legal action if necessary. Your immediate attention to this matter is expected.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute for the incorrect items on my credit report its been more then 30 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX to remove addresses and accounts that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days after the XX/XX/XXXX. Ive already included this in my previous Complaint XXXX & I am including it again. 

Here is the list of items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX MT XXXX ; XXXX XXXX XXXX XXXX, MT XXXX ; US DEPT ED XXXX Date opened XX/XX/XXXX Balance {$0.00} ; US DEPT ED XXXX Date opened XX/XX/XXXX Balance {$0.00} ; US DEPT ED XXXX Date opened XX/XX/XXXX Balance {$0.00} ; US DEPT ED XXXX Date opened  XX/XX/XXXX Balance {$0.00} ; US DEPT ED XXXX Date opened XX/XX/XXXX Balance {$0.00} ; US DEPT ED XXXX Date opened XX/XX/XXXX Balance {$0.00} ; US DEPT ED XXXX Date opened XX/XX/XXXX Balance {$0.00} ; US DEPT ED XXXX Date opened XX/XX/XXXX Balance {$0.00} ; US DEPT ED XXXX Date opened XX/XX/XXXX Balance {$0.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Date opened XX/XX/XXXX Balance {$13.00}. 

According to FCRA Section 605B ( a ) the 3 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 4 business days after the date of receipt.
Product: Debt collection

We contacted Van Ru Credit Corporation after receiving a letter about a XXXX XXXX debt. The letter was issued 4 days after my stepson received his driver 's license. We later received a similar letter from another Debt collector on behalf of XXXX. Except for the inconvenience of getting my stepson ( XXXX XXXX XXXX XXXX and XXXX XXXX XXXX ) to understand why these people insist on talking to him personally about this, it 's easy enough to get dismissed as the social security number they have on file does not match my stepson 's.
The representative at Van Ru advised that they themselves do not track down debtors or look up their addresses. He claimed that they get this from the creditor along with the case. In this case that was XXXX XXXX.
So this is how I am looking at it : XXXX XXXX and XXXX XXXX used exclusively the public availability of an address matching the name of one of their bad customers to assign the debt to that person and pass it to a debt collector. In the case of some foreign name, they enjoy the added benefit of many of them having the same name, many not speaking or understanding English well and most of them fearing any public exposure. Certainly, they might get lucky and find the right person, but in the process falsely accusing other people that happen to have the same name. More likely they rely on that most people will cough up the money even if not owed by them to avoid the things these letters are threatening with.
This is no different than a bank sponsored version of the IRS email/phone scam threatening people with jail etc. if they do n't pay. That scam is estimated to have netted the scammers more than $ 0.5B, so I can see why somebody in a bank thought it would be a good idea. But that does n't make it more acceptable. I hope that it, as in this case targeting minority rarely able to defend themselves, is a coincidence. If not, It just makes the whole thing more despicable This is banks conducting their own flavor of identity theft. I am not sure if this is protected against in FDCPA, as it is not the debt collector actually committing the questionable act - it is the bank acting on incomplete data. With the recent exposure of the business practices of a major bank of loading customers with unnecessary accounts, it is not hard to imagine banks also engaging in this form of scam.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my sixth endeavor to tell you that 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 alleged fraud or extortion. 
XXXX XXXX Balance : -, XXXX XXXX XXXXXXXX Balance : -, XXXX XXXX XXXXXXXX Balance : {$1300.00}, XXXX XXXX Balance : -, XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$280.00} XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX, XXXX XXXX XXXX Inquired on XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute the late payments listed on my credit report. Upon careful review of the information, I believe there are inaccuracies that need to be addressed. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Upon reviewing my credit report, I noticed discrepancies related to the reported late payments. I have always been committed to meeting my financial obligations promptly, and I believe there might be an error or misunderstanding in the reporting. Additionally, XXXX and XXXX credit bureaus have already updated their records for these accounts.
Product: Debt collection

in connection with the collection of any debt under provision 15 U.S.C. 1692c ( b ) of the FDCPA. 1692c ( b ) of the FDCPA prohibits, with certain exceptions, debt collectors from communicating, in connection with the collection of any debt, with any person other than the consumer
Product: Credit card

I got a call from XXXX XXXXXXXX today about a car and i haven't tried to purchase a car. so i looked at my credit report and I see all of these open accounts that I did not do.
Product: Credit reporting or other personal consumer reports

I don't recall having a contractual relationship with this XXXX XXXX , XXXX.. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit Bureaus never did a proper " investigation '' according to the FCRA. 

The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, genera 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 did not do this.

Also, they have violated my rights even more.

In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report.

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 last reported date is inaccurate. This is grounds for removal. 

XXXX XXXX XXXX XXXX also violated the law because according to 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

I am disappointed to have received a credit report that contains inaccurate information about me. As per the Fair Credit Reporting Act, it is my right to dispute any information that I believe to be incorrect. I take this matter very seriously and I am deeply concerned that these false allegations of delinquency and derogatory information could harm my reputation and financial well-being. 

Although I am fighting back with all my strength, I need your cooperation to resolve this issue. I kindly request you to provide evidence that justifies why my accounts are considered to be in a negative state. It is my understanding that any data included in my file must be documented and validated before it can be used by creditors, as mandated by the law. However, it appears that your records are not meeting these standards. 

I feel let down that you are not doing your job properly, and I am concerned about the potential consequences that this could have on my creditworthiness. Therefore, I am giving you 30 days from now to address this matter and provide me with physical proof of your actions and my updated credit report. 

I hope that everything can be resolved in a timely manner without the need for intervention or escalation. Please provide accurate and verified information for each claim, as the allegations against me are not true. I am deeply disappointed to have to dispute these claims, but I will not let inaccurate information harm my financial well-being. 

Listed below are the Personal Information that are being challenged Incorrect Also Known As : XXXX XXXX Incorrect DOB : - XXXX Incorrect Previous Address : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, NY XXXX XX/XX/XXXX Incorrect Employers : XXXX XXXX XXXX Listed below are the Accounts that are being challenged XXXX XXXXXXXX {$55000.00} XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX {$0.00} Listed below are the Collections that are being challenged XXXX XXXX XXXX XXXX {$0.00} Listed below are the Inquiries that are being challenged XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX  | XX/XX/XXXX It is with sincere disappointment that I present to you the detailed enumeration of the concerns I have meticulously compiled pertaining to the reporting undertaken by your esteemed organization, as explicitly documented in the accompanying file. Regrettably, it is evident that the aforementioned reporting falls short in terms of completeness and fails to align with the standards I hold paramount. It is imperative to emphasize that, in accordance with legal provisions, it is incumbent upon both your organization and the data furnishers involved to diligently certify all facets encompassing the requisite Fair Credit Reporting Act ( FCRA ) and Metro 2 compliance. Such certification must be executed with unwavering dedication to truthfulness, accuracy, completeness, and timeliness, in order to ensure the utmost protection of my consumer and civil rights, thereby averting any inadvertent violation thereof.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dispute submitted to XXXX, XXXX  and TransUnion on XX/XX/2020. The reporting agencies have failed to removed the items being disputed, I am a victim of identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX XXXX Balance : {$110000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$17000.00} XXXX XXXX XXXX XXXX Balance : {$110000.00} XXXX XXXX  XXXX XXXX XXXX Balance : {$17000.00} XXXX XXXX XXXX XXXX Balance : {$110000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$17000.00}
Product: Credit reporting or other personal consumer reports

THERE ARE CREDIT INQUIRIES ON MY CREDIT REPORT THAT I DO NOT RECOGNIZE. PLEASE REMOVE IMMEDIATELY. THEY ARE BELOW. XXXX XXXX, XXXX AND XXXX