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

Firstly i would like to make it clear that this account is reporting as charged off and the debt is now considered a CERTIFICATE OF INDEBTEDNESS and is now also considered income WHICH SHOULD NOT BE REPORTING ON CREDIT REPORT. I am writing to request a detailed and accurate accounting of my debt, which is currently being managed by your company. As a debtor, I believe it is my right to have access to precise and transparent information regarding my financial obligations. To ensure the integrity and clarity of the financial information provided, I kindly request that the accounting of my debt be conducted in accordance with Generally Accepted Accounting Principles ( GAAP ). This will help ensure that the financial statements and records are consistent, comparable, and reliable. 
The details of my account are as follows : 1.Account Number : [ Your Account Number ] 2.Original Creditor : [ Original Creditor 's Name ] 3.Date of Debt Acquisition : [ Date ] 4.Current Balance : [ Current Balance ] As a federally protected consumer I am now opting out of any and all authorizations, I the consumer may have given written, unwritten, verbal and non verbal per 15 USC 6802. Due to the misinformation reporting on my credit report it is hindering my family and I because I am in the process of buying a home.
Product: Vehicle loan or lease

I will try to make this story short as possible so what happened was that i had got a vehicle from a used car dealership and the vehicle was breaking down on me multiple times and i contacted the dealership and they wanted nothing to do with it they would hang up on me, then for the last time that it broke down it took me a while to repair and when i did i drove to a job interview and it ended up breaking again causing me to be late to the interview and i left the vehicle where it broke down to get it later on then it ended up getting towed i contacted the finance company to tell them because i was just over the car XXXX for the repair I couldnt do it anymore so i was going to wait for them to sell it in auction but they ended up not wanting to get the vehicle out of the tow yard because they didnt want to pay the tow yard fees to get it out so i called the finance company and they told me that i still need to pay off the full amount which i think that is unfair i decided to call thee tow company again and they told me that they dont have the vehicle anymore since the finance didnt want to pick it up the tow company ended up taking ownership of the vehicle and they sold it so i am stuck with payments for a vehicle that i do not have anymore so i have been trying to see what i can do
Product: Mortgage

We are subject yet again, to more delays from JP Morgan Chase ( " Chase '' ), under the pretense that they need more time to research our fraud complaint on the above loan modification. Always more time needed to research information. How many years of research do they need, when during the fiasco that Chase XXXX representatives advised me that my file at the company was empty. Nothing was recorded. Nothing in it about a verbal mortgage. Nothing in it about my payment to them was not accepted. Nothing in the file that stated how much I should pay each month for the mortgage. Almost two years of RESEARCHING?? or stonewalling!! Nothing to report but a regurgitation of incorrect information. And the man on the corner that holds up the grocery store gets to go to prison, and XXXX XXXX is still free to collect his millions each year. Well, XXXX XXXX is only the tip of the iceberg. Dishonest bunch the lot of them. 
It is totally unacceptable because we fervently believe they have no intention to come clean. Chase has acted in bad faith and knowingly and intentionally stonewalled our requests for closure on this matter. They wrongly believe that this matter will go away by simply dragging their feet on it. As a direct result, they requested XXXX delays through XX/XX/XXXX. XX/XX/XXXX is a corollary of the previous year. Just more unwarranted delays, with no end in sight. 
A few weeks ago, if someone related the misdeeds of XXXX XXXX, no one could ever fathom the brazen corruption that they perpetrated on their own customers. Chase 's fraud and misdeeds across the globe are legendary but there is still one vestige of the mortgage meltdown that needs vigorous investigation. Like XXXX XXXX, we too have insiders who witnessed and reported the callous ways in which Chase used deceptive practices to trigger a foreclosure on our above modification - through the aforementioned verbal mortgage. When this failed, they piled on excessive charges that destroyed the equity in our home. 
Again, we are not late or behind in any of our current payments to Chase. We are not asking for relief or a new modification. All we are asking for is a full and fair investigation into what we believe is the fraudulent activities in our mortgage loan modification, after Chase took it over from Washington Mutual. Most important, since you are now wrapping up proceedings on XXXX XXXX, this would be an opportune time to turn your attention to Chase - where we have insiders that confirmed their misdeeds. I am willing and very able to testify before Congress. 
Please advise how you would like to proceed on the above because we believe only a criminal investigation will force Chase to finally come clean on how we and perhaps countless other mortgage holders were defrauded. Looking forward to a speedy resolution. 
I have extended the courtesy of not going public with what I know, to give JP Morgan Chase the opportunity to make things right. Obviously they seem not to have any desire to do so. I guess they would like to be the next one on the hot seat with Senator XXXX XXXX asking the questions. That I can arrange for them.
Product: Debt collection

OneMain Financial : I was laid off at work because of COVID in  XXXX, I had exit documents proving this. This agency offered a insurance plan to protect me in this type of case which would cover loan payments up to 1 year if I remained unemployed. I provided them with my exit documents 3 times. Times I can remember sending the documents in are XX/XX/XXXX, XX/XX/XXXX, and XX/XX/2020. All three times I received negligent customer service and told that my lay off is not credible until I'm approved for XXXX which we all know millions of Californians are still waiting on that's including me and then lost communication and was left without a response because I believe the employees handling my case were laid off these 3 different times.. I've sent my identification documents in 3 times and they say they haven't received them at XXXX so I just sent certified mail this week so I have proof I sent. I've told them many times on the phone I am unable to make payments and that I really need this insurance they offered ASAP. Yet they've been spamming me with calls nonstop and making me feel like I'm being persecuted. I've asked several times why my official exit document wasn't enough to prove my lay off was due to XXXX. I just feel like this is very unethical in this time during COVID especially when I'm struggling with the XXXX 's clogged system for months. I feel violated, harassed, and persecuted by those I thought would be there for me especially with their promise of insurance during this crisis. I've attached my exit documents here and also I've attached my phone call log. They were calling me repeatedly on the number ( XXXX ) XXXX after I told them I didn't have the money to pay and that I am in dire need for their promised insurance to kick in. Also the name of the insurance company is XXXX XXXX XXXX which I just also sent another certified letter which should be arriving tomorrow.
Product: Credit reporting, credit repair services, or other personal consumer reports

University of XXXX has been on my report since XX/XX/2011 thats 7 years and one month I would like for it to be DELETED IMMEDIATELY I have disputed this account recently and their response was that this account has been updated.
Product: Credit reporting or other personal consumer reports

UNKNOWN INQUIRY SYNV/XXXX  XXXX XX/XX/year> XXXX *FRAUDULENT CREDIT INQUIRY* AFFIDAVIT OF FRAUDULENT REPORTING CREDIT REPORT DISPUTE FORM CERTIFICATE OF FCRA VIOLATION FINE DIRECT DEPOSIT INFORMATION FIFTH THIRD IDENTITY ALERT CREDIT INQUIRY # XXXX
Product: Credit reporting or other personal consumer reports

This is my XXXX endeavors 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, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or XXXX 
XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ND XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX Balance : {$3400.00} XXXX BANK XXXX XXXX : {$0.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX : {$6800.00} XXXX XXXX SYS ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$2300.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1300.00} XXXX XXXX XXXX XXXX XXXX XXXX, ND XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Balance : {$3400.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$6800.00} XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, ND XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXXXXXX XXXX XXXXXXXX XXXX : {$3400.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$6800.00} XXXX  XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$2300.00XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1300.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a formal request to all 3 credit bureaus ( XXXX, TransUnion and XXXX  XXXX on XX/XX/2020 ( via USPS certified mail ) seeking re-investigation of disputed information as set forth and defined by 15 U.S.C. 1681 ( 1 ). In particular 1681 ( i ) ( a ) ( 1 ) ( a ) required that the credit bureau respond within 30 days beginning on the date on which they received my notice of dispute. 
I had requested a reasonable reinvestigation as required by law ; I had requested that the bureaus please contact the respective furnishers and provide them with the relevant information contained in my letter, as required by 1681i ( 2 ), so that they may also perform a reasonable investigation. However, it has been 4 months now and I have not received any responses to my requests from XXXX  and TransUnion. I do appreciate XXXX responding to some of my concerns but there are still some inaccurate items that need to be resolved.
Product: Debt collection

I have no knowledge of this collection I pulled my credit fill and this and this collection was listed.
Product: Debt collection

Dear Dispute Department : I am writing to inform you of a possible error in my credit report and request that you provide me with verifiable proof or delete the record immediately as afforded to me by the Fair Credit Reporting Act, Section 609 ( A ) ( 1 ) ( a ). 

Account Name : RADIUS GLOBAL SOLUTIONSXXXX XXXX XXXX XXXX Description of Dispute : ( not my account, I have no recollection of that occurring, etc. ) This is reporting and a medical bill. The account does not belong to me. 

I am requesting that you remove this information from my credit report. 

Thank you for your help in this matter. 

Sincerely, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The following collections are reporting a debt on for a collection that is inaccurate : XXXX XXXXXXXX XXXX {$110.00} and XXXX XXXXXXXX XXXX XXXX.These following accounts have 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 15 U.S.C1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

Yesterday a Collections account appeared on my credit report that is not mine. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX I dont know where this came from. This account is not mine and I need it removed.
Product: Debt collection

XXXX XXXX XXXX XXXX, XXXX {$1500.00} XXXX XXXX XXXX XXXX, XXXX {$260.00} This is not my account.
Product: Credit reporting or other personal consumer reports

After inspecting my credit report, I noticed a mistake. The three credit bureaus are required to validate this account per Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ).

Reporting unverified information without proof within the legal period is not allowed. 
Please investigate and correct the account listed on my credit report : XXXX XXXX XXXX : {$230000.00}
Product: Credit reporting or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal to comply with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they fail to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned about : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

C/O again SoFi Bank NA . I had deposited a cashier 's check on XX/XX/XXXX XXXX since then, I have not been able to access my money. The amount of $ XXXX My account has been RESTRICTED for no reason. I have tried several times to contact them but the only phone # XXXX XXXX XXXX takes me to " apparently a security team '' that does not have any answers for me. Representative stating my act has been restricted due to " fraud check ''. but they have cashed my check already. This check was issued by XXXX XXXX XXXX XXXX here in XXXX XXXX Texas. I went to my bank looking for answers for the issued check. XXXX XXXX XXXXXXXX was able to provide me the copies of the check cashed already by XXXX.
Product: Credit card

I filed a fraud account with chase XX/XX/2023 and received a letter from them taking action against the fraudulent activity and that it would be removed from my credit file. After filing disputes at all three bureaus XXXX says the inforwould remain on my report. Chase did not follow through with reporting it as identity fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

One Main Financial ha s incorrect hard inquiries on both my   XXXX   and   XXXX   credit reports. They are showing inquires from  XXXX / XXXX /  XXXX  . Inquiries that I did not authorize.  One m ain financial has sent me a letter on  XXXX  stating that they do not see hard inquiries on those  XXXX  reports even though I sent them a copy of both reports. I do not know wha t one  main financial is nor did I apply for anything from them. A fraud alert has been placed on my account since the discovery of these inquiries I have spoken to them via phone and sent countless letters and they refuse to remove these inquires from my   XXXX   and  XXXX  report. The inquiry date is  XXXX / XXXX /  XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under XXXX XXXX. XXXX when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within XXXX business days. 
To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXX XXXX XXXX XXXX XXXX XXXX Inquiries : XXXX XX/XX/year> XXXX XXXX  XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demand to be deleted immediately XXXX XXXX ( XXXX ) - ( XXXX ) XXXX XXXX XXXX XXXX ( XXXX ) - ( XXXX ) XXXX XXXX XXXX ( XXXX ) - ( XXXX ) XXXX XXXX XXXX  ( XXXX ) - ( XXXX ) XXXX XXXX  ( XXXX ) - ( XXXX ) XXXX XXXX  ( XXXX ) - ( XXXX ) XXXX XXXX XXXX XXXX XXXX ) - ( XXXX ) XXXX XXXX XXXX ( XXXX ) - ( XXXX ) XXXX XXXX XXXX ( XXXX ) - ( XXXX ) XXXX XXXX XXXX XXXX ( XXXX ) - ( XXXX ) XXXX XXXX  ( XXXX ) - ( XXXX ) XX/XX/2021 XXXX  ( XXXX ) - ( XXXX ) XX/XX/2021 XXXX XXXX ( XXXX ) - ( XXXX ) XX/XX/2021 XXXX  ( XXXX ) - ( XXXX ) XX/XX/2021
Product: Mortgage

This past XXXX and XX/XX/2023, I started the process of release of liability, I filled out the application and sent the documents requested, and I received a letter saying that I did not submit the additional document requested which letter which I never received, and that application was canceled. I resubmitted another one in XXXX And they sent a letter requesting additional information, and this time I did receive the solicit list. In XX/XX/2023 I mailed the package of requested documentation and they sent me an email by the beginning of XXXX saying that they did not did not receive the information. Then they said to email all the documents I emailed them I received an email from them stating that I did receive the documents and then two weeks later the end of XXXX. They tell me that they did not have the documents to please send everything on the list again, so I recently mailed another package to the address given by them on the phone with the escalating manager and I mailed it to them and I gave them a XXXX tracking number and they officially delivered received it XX/XX/XXXX and they keep receiving emails from them saying that I did not send the information and theyre requesting it and the requesting it and Ive called them. I spoke to the escalating manager three days ago and they said they were going to try and locate the package. Apparently they want me to send everything again I dont know what else to do. I keep mailing them emailing them and they keep saying they dont receive anything and I dont know what else to do.
Product: Debt collection

My collection was changed off but it's still on my credit report and it's holding me up from getting a home loan can I get a written letter stating that I don't owe anything from XXXX XXXX and XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This company contines to violate my consumer rights.
Product: Checking or savings account

Chime via XXXX XXXX closed my account on XX/XX/2022 as I was paying for a money order to pay my rent. They closed my credit builder account, savings account, and checking account totaling over {$4700.00}. I received a message stating the account was closed because of a violation of a XXXX XXXX which has yet to be explained. The e-mails state I shouldve received my closure check within 30 days but it has been 77 days and I am still receiving the same automated messages I received on XX/XX/2022. I have provided the correct documents to have my closure check sent to a new address, but there are new representatives sending the same automated emails for the past 48 days. 48 days is closer to 60 days than 30 days. I am getting the runaround as I have provided documents to the links provided by the XXXX XXXX ( most emails have blank links ). The customer service representatives mention they can not help and only the Back Office can assist, but there is no one to talk to. The closure check has not been offered to be sent via XXXX or at all. No associates are helpful via email, over the phone, or through twitter. They are GATEKEEPING {$4700.00} and gaslighting me via email by sending the same automated messages since XX/XX/2022. I have called XXXX times each day for the past 77 days and each representative states to email Chime Support and when I do I receive the same automated emails asking to provide the information I previously sent or telling me my account is closed for violating a Deposit Agreement which is counterproductive seeing that I am seeking my closure check to be sent via UPS ASAP!!! The company has failed to offer humanistic values and is GATEKEEPING {$4700.00} causing evictions and unpaid bills to pile up for the past 77 days. The agents are XXXX  and talk in circles. XXXX agent stated that I would not get a check because the account balance was {$0.00} ( which means a check has been made ) but that spreads misinformation. With the foreign status of callers they lie often.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Transunion are incorrectly reporting me as an Authorized User on XXXX - account number XXXX. ( Please see page 2 of the attached credit report. ) I called XXXX XXXX and let them know that I did not give permission to be added as an Authorized User. They removed me as an Authorized User on XXXX however XXXX   and Transunion have not removed this from my credit report. I have contacted the two bureaus to fix this issue however, I have not been successful. This negative reporting is harming my credit score and this line item needs to be removed from my credit report.
Product: Credit reporting or other personal consumer reports

I was tryna by a house and I realized I have few damages on my credit report according to the 15 USC 1681 LAW, their should not be any damage to my report is a defamation XXXX XXXX XXXX Date : XXXX Amount : {$9000.00} XXXX XXXX XXXX XXXX Date ; XXXX Amount : {$2600.00} RADIUS GLOBAL SOLUTIONS XXXX XXXX XXXX Date : XXXX Amount : XXXX XXXX XXXX XXXX XXXX Date : XXXX Amount {$970.00} XXXX Date : XXXX Amount : {$17000.00}