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

XXXX   XXXX   (  same as    XXXX   XXXX   XXXX   XXXX   ) refus es to report my account  XXXX   XXXX   XXXX   XXXX  as settled in full which  it was via    XXXX   XXXX   XXXX   XXXX    (   XXXX   XXXX   XXXX   ).  I filed dispute with you for  XXXX  and Transunion last year. Transunion fixed it, but  XXXX  dispute ( #  XXXX  ) produced NO results  (   XXXX    XXXX   ). Since then I have to dispute this with  XXXX  every month as they take this in and out of my report . Pls review  my previous dispute (  XXXX  ) - THEY ARE THE SCAM! Pls verify with  XXXX   XXXX .    XXXX   XXXX  says that I have another account with them #  XXXX   XXXX   XXXX   XXXX . I do not remember opening that account and I asked them for the proof of ownership. They refused to provide it again, just like with the account above. I asked for dispute of ownership, sent them their papers but they never got back to me. It is also by  XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX , SD,  XXXX  (  XXXX   XXXX   XXXX   XXXX .     PLEASE HELP ME GET RID IF THIS SCAM ARTISTS. I paid off over  XXXX  in credit card debt and it is all clean except these  XXXX  stupid accounts that I am not liable for.   Thank you  XXXX   XXXX
Product: Debt collection

My recent credit report shows several accounts that I did not open and believe to be fraudulent.
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. Account Name : XXXX XXXX XXXX XXXX Account Name XXXX XXXX XXXX XXXX Account Name XXXX XXXXXXXX XXXX XXXXXXXX # XXXX Account Name : XXXX XXXX XXXX  # XXXX Account Name : XXXX  # XXXX Account Name : XXXX  XXXX # XXXX Account Name : XXXX  # XXXX Account Name : XXXX XXXX XXXX  # XXXX Account Name : XXXX  # XXXX Account Name : XXXX XXXX  # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : 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 XXXX 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: Checking or savings account

The afternoon of XX/XX/2021 Chime decided to close all my accounts ( credit, checking and savings ) out of the blue without any information or explanation. I was a Chime account holder for over a year without any issues, and they refuse to help me or answer any of my questions after numerous attempts to contact them through their email ( the phone number will not work for non-account holders ). My financial support system was just completely erased and Im getting the proverbial middle-finger from Chime. After searching online, Ive noticed this exact thing has happened to MANY other people. This unacceptable and will not be tolerated.
Product: Checking or savings account

After 10 years with USAA Federal Bank they blocked my account, I got it unblocked then an hour it was blocked again, I got it unblocked again and hour later it was blocked again and they terminated my account and credit card. I had a perfect record with them, I have no money it's all tied up in a 60 day hold including my social security checks. I have received notice of my insurance cancellation on my house car, I have numerous bills to pay and I have no money whatsoever. 

These people causing me financial ruin.
Product: Credit reporting or other personal consumer reports

I'm putting down to give my nervousness concerning the tried accounts on my credit report. On different events, I have raised the issue of mistakes in these records, and have dependably alluded to that they be totally XXXX down. Notwithstanding what my undertakings, I in the long run can't get any objective or steady turn of events. These off track records are truly hurting my credit document and obstructing my ability to happen with a standard life. The obnoxious aftereffects of these mistakes have caused tremendous hardships for me, and I'm left with no choice close to rapidly fight for your assistance with reviewing what's happening. I liberally request that you direct a vigilant assessment concerning the fundamental of these tried records. It is basic that the main pushes are taken to reestablish and alter my credit report right away. With your help, I really want to restore the exactness and dependability of my credit record so I could recover control over my money related accomplishment. I really request that you present this matter your for the most part ludicrous suggestion and take a fast action. Your assistance and moving in settling this issue quickly would be astoundingly basic. Much appreciation to you without skipping a beat for your understanding and help.
Product: Credit reporting, credit repair services, or other personal consumer reports

The collection agency has sent this letter to the bureaus multiple times to delete and the bureaus have refused to remove and update the records accuracy.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the accuracy and legality of a collection account appearing on my credit report. The account details are as follows : Company : XXXX XXXXXXXX XXXX Amount : {$1900.00} Opened : XX/XX/2024 This collection account is in violation of multiple federal consumer protection laws and the Fair Credit Reporting Act ( FCRA ). For the reasons outlined below, I am requesting that this account be immediately and permanently blocked and removed from all of my credit reports. 

Violations of Consumer and FCRA Laws Failure to Validate the Debt : Under XXXX XXXX XXXX ( Fair Debt Collection Practices Act ), the collection agency is required to validate the debt by providing evidence of its legitimacy, including a full accounting of the debt and proof of my obligation to pay. To date, XXXX XXXX XXXX has not provided any such validation. 

No Original Purchase Agreement Provided : The collection agency has failed to furnish the original purchase agreement between themselves and the original creditor, as required under federal and state laws. This lack of documentation invalidates their claim. 

No Proof of Licensing and Bonding in Michigan : XXXX XXXX XXXX has not provided proof of being licensed and bonded to collect debts in the state of Michigan, as required by state regulations. 

Failure to Notify and Provide Opportunity to Dispute : Under 12 CFR 1006.34 ( c ) ( 4 ) ( i ) ( Consumer Financial Protection Bureau regulations ), I must be notified of the debt and given an opportunity to dispute it before adverse actions are taken. This step was not followed. 

Violation of FCRA Reporting Standards : Credit bureaus are required under 15 USC 1681e ( b ) to ensure maximum possible accuracy of information. Reporting an account without proper validation and documentation fails to meet this standard. 

No Authority to Furnish Information : Under 15 USC 1681s-2 ( a ) ( 7 ) ( A ), a collection agency must provide all required disclosures before reporting an account. XXXX XXXX XXXX has not demonstrated any authority to furnish this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Throughout the years, i've had to file against the credit bureaus due to inaccurate reporting of the facts regarding a collections from XXXX that is handled by XXXX XXXX XXXX. Last month, all the credit reporting agencies including Equifax finally removed this item from my report. As of today XX/XX/2021 my credit report shows there are no collections, zero. I am writing to you because there is a collection by mail from Equifax today and this is misreporting, unlawful, damaging top my perfect credit history and unlawful. 
Please see the attached documents. As it stands, XXXX XXXX and XXXX have been wrong all along and I have submitted much paperwork to prove it. It is unfair to report both things as true and false at the same time, therefore it is inconclusive and inaccurate reporting and it needs to be stricken and removed from my public record and report immediately. I find it appalling to see how these collection agencies do not ever do any thorough investigation as items keep getting placed back. This inaccuracy has been made public and it tis time to stop! As I see it, the credit reporting agency Equifax is wrong in reporting inaccuracies and at the same accounts as closed and removed and opened and current at the same time ; Inaccurate, damaging and unlawful.
Product: Credit reporting or other personal consumer reports

I noticed unauthorized inquiries on my report or I believe someone applied for something in my name
Product: Credit reporting or other personal consumer reports

I am writing to you as a concerned consumer regarding the accuracy and fairness of the information contained in my credit report. As you are aware, the Fair Credit Reporting Act ( FCRA ) ( 15 USC 1681 ), which was enacted to promote the accuracy, fairness, and privacy of information in the files of consumer reporting agencies, grants me certain rights to ensure that my credit report is correct and that I am treated fairly in the credit reporting process. 

Under the FCRA, I am entitled to the following rights : The Right to Accurate Reporting The Right to Dispute Inaccurate Information The Right to Be Notified of Adverse Actions The Right to Limit Access to My Credit Report The Right to Privacy and Confidentiality The Right to Seek Damages for Violations I am asserting these rights in my dealings with your agency to ensure that my credit report is accurate, complete, and reflective of my true credit history. Any discrepancies or inaccuracies should be promptly corrected to avoid any adverse impact on my creditworthiness. 

XXXX XXXX and XXXX XXXX XXXX XXXXXXXX
Product: Debt collection

While living in Indiana XX/XX/XXXX, I received a collection notice for a hospital bill for XXXX XXXX visits that was addressed to someone with a different spelling of name for my son. I called the collection agency and informed them that my son was not in the state of Arizona for the first visit date and the debt did not belong to my son. I then called the hospital to inform them of the error and the debt did not belong to my son. My son, who was back in Arizona, drove XXXX miles to the hospital to provide his ID to prove he was not the person on the debt. I was told they would correct the issue, but it was not corrected and I continued to receive collection letters and phone calls. Each time, I notified ARS ( Account Resolutions Services ) of the error. On XX/XX/XXXX as instructed by ARS, I sent a letter with a copy of one of the collection letters informing them of the error and to cease and desist collection from my son. I continued to receive collection notices so XX/XX/XXXX, I reached out to the hospital 's parent company 's compliance department and spoke with XXXX XXXX. She said she would investigate and on XX/XX/XXXX I received a letter from their financial department stating it was verified the debt did not belong to my son and the credit reporting agencies were notified. XXXX XXXX assured me that the records were corrected and the collection agencies, including for the physician bills, were notified of the error. All was quiet until XX/XX/XXXX when I again received a collection call from ARS. ARS was notified on multiple phone calls that this debt was not my son 's and in writing on XX/XX/XXXX and to stop collection on this account. ARS has violated my son 's rights by refusing to remove his personal information from their records and to stop collection efforts.
Product: Mortgage

I was in the forbearance program since the Pendemic, a few months ago I requested a streamline modification based on my financial status. I have contacted Flagstar Bank several times and spoke to different managers and they refuse to help me. I was told that I defaulted on my loan which is inaccurate because I never had a loan with flagstaff. My loan was with XXXX and never with Flagstar. I never once was given a deferral or anything else. A lot of folks I know who have a mortgage with flagstar and fall in the same predicament as I am were given a streamline modification with no problem. I am not sure why I'm being singled out. I've answered every question they have asked me and they refuse to give me the streamline modification which will benefit my financial situation right now. I am asking Flagstar to give me the streamline modification so that I can start making my monthly mortgage payments.
Product: Money transfer, virtual currency, or money service

Today, XX/XX/2020 I tried to withdraw {$400.00} from my cashapp account and Ive been able to withdraw money before. Ive tried 5 different times to withdraw from the ATM and it wouldnt allow me to, I went to check and they said that my account is closed.. didnt even send an email or anything and that is an inconvenience for me right now especially during this pandemic. Please help me get my {$1000.00} from cashapp I want to withdraw all of it
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to buy my first vehicle and the salesman pulled my credit and told me that my credit was pretty bad for the amount I was trying to get approved for I asked him what was the problem with credit and he showed me my report. These are many derogatory items that do not belong to me. Please remove these items from my account. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX, XXXX PROGRESS, XXXX, XXXX XXXX, XXXX XXXX, XXXX, Original Creditor, Original Creditor, Original Creditor, XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX Company 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 OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX OXXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX  XXXX XXXX MO XXXX XXXX
Product: Debt collection

On Friday, XX/XX/XXXX, I called and spoke with someone in XXXX XXXX 's office, the solicitor for Amsher. I told them this amount is not validly owed and I am working with XXXX to resolve this matter, and clear my credit and good name. Because this amount is not owed, I should not have to paid it. I do not want to have to take legal action, but will do so, if necessary, to defend my good name and good credit. Amsher 's inaccurate report of an alleged debt negatively affected my credit score by 159 points, and they had not, at that time, made any effort to reach me.
Product: Debt collection

I have been calling and disputing this {$83.00} debt since XXXX with both my credit bureaus and the collection agency. This was for my daughter 's XXXX  payments, which were auto ACH each month. The payment in question was supposed to be the final payment, which WAS paid via ACH. I have submitted proof of this to both the credit agency and the collection agency and it is still on my report. My credit score has been damaged greatly due to this.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX  has reported a fraudulent address to credit bureaus and I am in the Missouri Secretary of State SXXXX XXXX XXXX XXXX. Refer to Missouri Statues Chapter 589.
Product: Credit card or prepaid card

A merchant owes me several credits for past transactions which were put on my account with false pretense. The merchant is forbidden by the Visa rules to issue a refund by check or cash due to credit rules and credit must be posted to account. The merchant directed me to contact the bank to issue a chargeback on the banks end. I submitted the chargeback requests to Chase on XX/XX/2020, and I provided all documentation in consistent wit the Visa chargeback rules. Several weeks have past and Chase responded to me in writing that they are not able to assist. 
Latter Chase explained to me by phone that the reason for not resolving this is because they claim to have encountered some difficulties to process my requests due to some restrictions on my account. They say that when my account was closed by the bank, the bank has placed some restrictions on the account that preventing the dispute department to service the account. 
In the meantime, I still have a balance with Chase and they have no problem charging me interest every month. The only problem they do have is to do what they need to do to resolve the credits owed to me. 
I find Chase actions in clear violation of the Visa card rules and also in violation of the federal and state law. Chase must allow its Billing Dispute department to resolve this matter and they surely have ways to lift whatever restrictions there are on my account so that the billing dispute department can complete what they need to do in order to submit the chargebacks to the merchant.
Product: Credit reporting or other personal consumer reports

About a few weeks ago I found this unsecured loan on my credit report that I was not aware of my information was used as a co-sign on this account, my personal and credit information was used on this loan to get it, I have never paid on this loan and this loan exists for more than a year ago and was current on the payments and I wasnt aware of that my credit was attached to it. Unfortunately my information was used with out my consent and I need to have this account and negative remarks out of my credit report, I have many accounts and never have a late payment before. Please be advised I will contact the attorney general about this situation and I will hire an attorney if I have to get to that point also.
Product: Credit card

I had a fraud claim on my account and then randomly they closed my account and for some reason whenever I would log in to the Bank of America app it did not allow me to make any payments to this account. I thought it had sum to do with the claim and my account being frozen or something. I have video proof of me login in to the app and attempting to make the payments and it not showing the account as an option. They ended up calling me to inform me i missed a payment and I told them exactly what happened and they didn't do anything about it. Due to this I ended up setting the account on automatic payments so It wouldn't happen again because even after I informed them of the issue they never fixed it or even attempted to, so i still couldn't make payments to the account through the bank of America mobile app. So I tell them to set up automatic payments to the account with my debit card, now later on I got a new checking 's account made and transferred the same debit card to this new checking account and i was never informed i would have to set up my automatic payments again, but somehow they didnt charge my account automatically as they should have and charged me another late payment fee. then i called and informed them again of what happen and tried to get the fee removed but i was told the system denied the request and that there was no manual override or anything they could do about it, I spoke to XXXX the escalation department XXXX and thats exactly what she told me.
Product: Credit reporting 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 be investigated and corrected for erroneous reporting in my file and are listed 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute several hard inquiries on my credit report that I believe are fraudulent and unauthorized. These inquiries were not initiated by me or with my consent, and I believe they were made by someone attempting to obtain credit in my name without my permission. 

As a consumer protected by the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate or fraudulent information on my credit report. Specifically, under Section 611 of the FCRA, I am entitled to dispute any inaccurate or fraudulent information on my credit report, including these unauthorized hard inquiries.

Additionally, under Section 616 of the FCRA, credit reporting agencies and entities that furnish information to them, such as creditors, are required to take reasonable measures to ensure the accuracy and completeness of the information in a consumer 's credit report. In this case, it is clear that these fraudulent hard inquiries were not initiated by me and therefore are not accurate or complete.

I request that you investigate these fraudulent hard inquiries as soon as possible and remove them from my credit report within 30 days of receipt of this letter, as required by law. Failure to do so would be a violation of the FCRA, and may result in legal action and penalties under the law.

For violations of Section 611 of the FCRA related to the failure to investigate and correct inaccurate or fraudulent information on a credit report, including fraudulent hard inquiries, credit reporting agencies may be liable for statutory damages of up to {$1000.00} per violation. 
DELETE HARD INQUIRIES AND CLOSED ACCOUNTS Inquiries Transunion XXXX XXXX XXXX  Inquiry : XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX XXXX XXXX Inquiry : XXXXXXXX XXXX XXXX XXXX XXXX  Inquiry : XX/XX/XXXX Closed accounts XXXX XXXX XXXX Closed on XXXX XXXX XXXX XXXX XXXX XXXX Closed on XXXX XXXX XXXX XXXX  Closed on XX/XX/XXXX XXXX Hard Inquiries XXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Inquiry XXXX XXXX XXXX XXXX  closed accounts XXXXXXXX XXXX Closed on XXXX XXXX XXXX XXXX XXXX Closed on XX/XX/XXXXXXXX XXXX XXXX XXXX Closed on XXXX XXXX XXXX XXXX XXXX XXXX  Closed on XXXX XXXX XXXX XXXX XXXX XXXX 
Closed on XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX, XXXX XXXX Inquiry date XXXX XXXX, XXXX XXXX XXXX Inquiry date XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I use chime, and when my taxes or stimulus comes in I have to send them a copy of my tax form and photo is to verify Im the rightful owner. This usually takes a day but am told up to 48 hours. Saturday at XXXX ct they emailed me asking for the documents and I responded an hour later providing the documents. Its now Wednesday afternoon and after emails and calls no one will answer me or give a status update.