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

I can not open a bank account with chase. I had an account around XXXX that had fraudulent activity making my account go in the negative and it eventually was closed. Before the closure I reported it to chase as identity theft and fraud as ever since I've graduated high school I have always been a victim of identity theft of anything involving my social security number. I have already reported it to irs, the 3 credit bureaus and the social security office, I also provided chase bank with VALID documentation proving this case about my identity theft with these companies. Yet trying to open a bank account with Chase again now in XXXX and now they are saying it will be closed because of my previous account, which I had already given VALID documentation of my case. I've spoken to loss prevention, fraud, identity and the claims department and I was told that I have basically been banned for life because of that previous account. This is extremely unfair as I did my part to the best ability.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX # has violated my rights.

15 U.S.C 1681 section 602 A. I have the right to privacy.

15 U.S.C 1681 section 604 A. it also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c ( a ) ( 5 ) section states no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A Person shall not furnish any information relating to a consumer to any consumer agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

XXXX with a TX address claimed to be a debt collector for XXXX I made a payment of XXXX but XXXX never received payment. XXXX claims they have no idea who this company is. XXXX tried to get me to pay another XXXX claiming that then XXXX would be paid entire amount that I am behind on. The phone number to this company is XXXX XXXX is XXXX cable network in my area. <P/>The amount taken from my checking account was on XXXX XXXX 2017 My bank has reimbursed me, because XXXX claims XXXX is a fraud and they have no idea who they are. But, I could still lose my XXXX at the end of this. <P/>Please help shut these people down! XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am submitting this complaint because Oliphant USA LLC, XXXX XXXX XXXX, and XXXX XXXX services placed a debt into collections that arose due to a data breach, which I believe is an error. The sequence of events is as follows : Data Breach Incident : On XX/XX/XXXX, a data breach occurred at XXXX that exposed my personal information. I was notified of this breach when I noticed the collections and immediately took steps to monitor my accounts and credit reports. 

Unauthorized Activity : As a result of this breach, an unauthorized account or charge was opened in my name, which I disputed with all credit unions on variety of dates. I provided supporting documentation, including a copy of the breach notification, proof of identity theft, and dispute letters to the credit bureaus. 

Debt Collection : Despite my dispute, the credit companies placed the debt into collections, causing further harm to my credit score and financial standing. This action was taken without adequately investigating the dispute or resolving the matter. 

My Actions : Since learning of this issue, I have taken the following steps : Contacted all credit company to dispute the debt. 
Provided evidence of identity theft/data breach. 
Submitted disputes to the credit bureaus. 
Filed a FTC Identity Theft Affidavit on XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX  account # XXXX, XXXX XXXX account # XXXX, XXXXXXXX XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXXXXXX account # XXXX, XXXX account # XXXX, XXXX  account # XXXX has violated my rights 15 U.S.C.1681 SECTION 602 A : States I have the right to privacy.

15 U.S.C.1681 SECTION 604 A SECTION 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Money transfer, virtual currency, or money service

On XX/XX/2020, I sent money with the service XXXX, through the use of the Wells Fargo application. I had contacted a XXXX user who would sell me a phone for {$250.00}. She asked me to pay through XXXX, which I was not very accustomed to. I thought it would be a safe way of completing the purchase since the service, XXXX, was backed by the bank. This led me to think that the transaction would be completed safely. Upon sending the money, the user blocked my account so that I would no longer be able to contact her. After realizing what had happened, I contacted Wells Fargo that same day in order to learn about what I could do under these circumstances. I spoke with a representative that helped me dispute a transaction ; she informed me that I would be contacted with more information about my dispute. I was never contacted and have been waiting for further assistance to understand what I could do to receive the money I lost. I also contacted XXXX which was able to successfully remove the user from the service on XX/XX/2020. I attempted to contact XXXX but I never heard back from them. Up until now, I have been requesting the money back from the user 's XXXX account, in hopes that the user will return it, but she simply keeps rejecting the requests.
Product: Credit card or prepaid card

Hello. I am having an issue with Comenity bank. I have my XXXX XXXX through them and have been trying to pay the bill since Friday XX/XX/17. Their website will not allow me to login and their phone system is not working. The automated system is not working and when you request to talk with a person, it says that due to unforeseen circumstances, they are unable to take your call. My bill is due XXXX and I am concerned that this issue will not be resolved by then and I will not only receive a late fee, but that it will effect my credit score. Like I said, I have tried logging in, calling, sending them a XXXX message, and replying to them on XXXX and I have yet to get a response at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance 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. 15 U.S.C 1681 ( a ) ( 2 ) ( 1 ) also states that a consumer report does not include report containing information solely as to transactions or experiences between the consumer and the person making the report. These late payment and payment history would be considered experiences which is clearly a violation of my right. I have not given any written consent to put anything on my consumer report the law also states that the information got to be 100 percent accurate. This account was just verified which means its 100 percent accurate, but how when the credit bureaus ( XXXX, XXXX, Experian ) all have different account information. The account number is not the same it does not have the same number of numbers. The payment history is not the same, the balance on the account is not the same. The monthly payments are not the same, and the highest balance is not the same. I again ask how this information has been verified while being incorrect. Then the account is being label as a charge-off on my consumer report but how when the IRS states a cancelled debt or a charge-off is taxable income. If they have closed and cancel the debt and filed as income on their end and me to then how can it be income and debt at the same time which again proves this information is inaccurate. I have detailed 8 violations per say the law. The reporting of such inaccurate information has caused severe damages to my character, my reputation, my general mode of living and my ability to obtain credit for personal and house purposes. You and your inaccurate reporting have damaged my livelihood. YOU ARE PROHIBITED BY LAW to furnish inaccurate information. I demand you to Cease and Desist the reporting of incorrect/inaccurate information immediately. YOU ARE HEREBY PUT ON NOTICE that you are furnishing inaccurate information 15 U.S.C 1681 ( s ) ( 2 ) ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

two inaccurate car loans ( XXXX XXXX ) are reporting under my name these are inaccurate and fraud accounts reporting under my equifax credit file only. i have been sending my police report identity theft report and the FTC report as well, but they have not been helpful at all, please have these irrelevancies removed and please help me as a consumer to needs protection from these bureaus, m have equifax removed these irrelevancies from my credit file thank you
Product: Credit reporting or other personal consumer reports

Dear Equifax, This serves as your FINAL NOTICE regarding the inaccurate and misleading information that continues to persist in my credit profile, despite previous disputes and requests for verification. You are now in direct violation of both the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Under 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ), 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), and 15 U.S. Code 1692k ( Civil Liability for Violation of Debt Collection Practices ), your ongoing failure to provide accurate and verifiable data, and your negligence in updating my credit report, exposes you to legal liabilities.

Disputed Information Must Be Resolved : You are reporting items that violate FCRA and FDCPA requirements. Under the law, you have failed to : Maintain procedures that ensure the maximum possible accuracy of my credit report.

Provide written results of your reinvestigation within the 30-day timeframe required by FCRA 15 U.S.C. 1681i ( 6 ).

Properly correct billing errors as per TILA, 15 U.S. Code 1666 ( b ). Late payments marked inaccurately must be updated to reflect " paid on time. '' Accounts highlighted in green represent inaccurate payment history and must be corrected immediately. Accounts marked in yellow as charge-offs violate FDCPA Section 807 due to false and misleading reporting.
Product: Student loan

After review of my student loan payments, I feel that the payments were not applied appropriately. I have inquired about payments yet feel that everytime I call I get somebody in the XXXX who does n't understand English and what I 'm trying to explain. I filed a previous complaint and was told that they provided everything to me. If you look at the documents that they provided, one of the documents is supposed to be 9 pages, yet they only provided 4 pages. 

I want a full accounting of ANY and ALL payments ever applied and how they calculated what goes to the principle and what goes to interest. I feel that I have bamboozled for far too long.
Product: Credit reporting, credit repair services, 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 deletion because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/2021
Product: Vehicle loan or lease

I have been studying the Uniform Commercial Code, United States Code, and Code of Federal Regulations, as well as the Negotiable Instrument Act and the Bill of Exchange Acts created for the education and protection of the consumer, and I realized while studying that the instrument that was issued to me at the dealership was actually a self-liquidating asset. Upon realization of this, I tendered to Ally Financial the instrument payable to their order as full satisfaction of the claim. I was told that the instrument had no value, that it was simply a promissory note, and that if I did not pay out of pocket and continued with my " fraudulent activities, '' charges would be pressed against me. Even before I realized what the promissory note was, I learned what a bill of exchange was and that the bills that were being issued to me via mail were called a due bill that could be converted into a negotiable instrument as long as it met the conditions provided in Section 3-104 of the UCC. I have tendered many negotiable instruments and letters explaining what I was doing, hoping to satisfy the claim against me, only to receive in return letters saying that they did not accept them and had no idea what I was trying to do. I have been told that the UCC does not apply to them many times when it governs every transaction between the consumer and " creditor '' and can be found in the Texas Business and Commerce Code. Because of their refusal to seek out the same information that I found online or even ask questions, my account has been closed, and they are seeking to repossess my vehicle.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attached two accounts that are reporting incorrect information on my credit bureaus, per the FCRA they have to report accurate information which they are not. Please delete these two accounts from my credit bureau.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX ; XXXX XXXXXXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXXBalance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXBalance : {$0.00} ; UXXXX XXXX XXXX XXXX XXXX  Balance : {$5600.00} XXXX XXXX  XXXX Balance : {$200.00} ; XXXX XXXX Balance : {$830.00} ; XXXX XXXX XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX 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: Student loan

On XX/XX/XXXX I spoke with a representative to change repayment plans from SAVE to extended graduated repayment plan. I was told this was put in the system and would take up to XXXX business days to be reflected on my account. It's now XX/XX/XXXX, my payment is due XX/XX/23. The payment due is for the save plan which I wanted to change due to the new repayment plan savings. My payment should be {$250.00} not {$340.00}. I can not get a rep on the phone, because they are so overwhelmed with calls, to see why the change is not happening. What am I supposed to do? They are too busy to take calls, but speaking to them is the only to make a change on the account! I need the repayment plan change before the due date! I can not afford my current payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

On ( XX/XX/2022 ) sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX  data breach and may have got into the hands of the wrong person.
Product: Mortgage

XX/XX/2020 there was two payments taken out of my bank acct to pay my m ort at XXXX XXXX XXXX XXXX XXXX when bank of America was contacted they acknowledged that two payments was made and said that the extra payment would be credited back or applied to my XXXX m ort payment bother happened {$800.00} is the amount to be credited or applied to XXXX m ort payment moving forward nothing has happened to date concerning payment which is causing late fees please help XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I am writing to you for the second time regarding the inaccurate information reported on my credit file. My previous letter, dated XX/XX/year>, has not yielded the appropriate action, and I remain deeply concerned about the handling of my dispute. Specifically, I am requesting a detailed explanation of the verification process your bureau utilized to investigate the disputed accounts. According to the Fair Credit Reporting Act ( FCRA ) Section 611, you are required to conduct a reasonable investigation when a consumer disputes information on their credit report. Your failure to comply with these regulations is highly troubling and suggests a lack of adherence to the legal standards set forth by the FCRA. The accounts in question do not belong to me and are erroneously attributed to my credit profile. These accounts belong to another individual, and I have no association with them. I have provided ample evidence to support my claim, yet these inaccuracies persist on my credit report, causing undue harm to my credit standing. I demand that you provide a comprehensive account of the steps taken during your investigation, including the methods and sources used to verify the disputed information. The lack of resolution from your previous response indicates a possible failure in following the mandated investigative protocols, which is unacceptable. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I am a victim of identity theft and someone applied and opened a fraudulent Chase credit card account in my name. The credit card account is fraudulent and not my account. I been receiving harassing and threatening phone calls of profane, vulgar and abusive language, job loss, legal action, garnishment of wages, jail, prison, XXXX and XXXX from Chase Debt Collection Representatives which is extremely frightening and a major violation of the Fair Debt Collection Practices Act under Federal and State law.
Product: Vehicle loan or lease

I am a victim of identity theft, Ive forwarded my identity theft report to TransUnion but they have yet to help in this situation in regards of the unauthorized loans and inquires.
Product: Checking or savings account

On XX/XX/2020 the Bank of America closed my checking and saving account. After that on XX/XX/2020 the bank was reopened my account. But they have not sent me my funds back even though I called them many time but they did not give me the answer corrected. They just said wait, wait..
Product: Credit reporting or other personal consumer reports

I am writing in response to their recent decision made on XX/XX/2024 to deny my request for the removal of the " charge-off '' status and other negative remarks from my account which I requested on XX/XX/2024. I strongly disagree with their decision and am formally demanding a redetermination based on several legal grounds. 

Firstly, under 15 U.S. Code 1692g - Validation of debts, only the original creditor has the authority to validate debts. As the original creditor, I assert that I do not validate these debts or accounts. Their attempt to present themselves as the original creditor is misleading. My signature and Social Security Number on the application signify that I am the one who granted value, thus making me the original creditor. Therefore, any claim of debt by their company is invalid and must be removed from my account records. 

Additionally, I wish to highlight that their company is in violation of 15 U.S. Code 1601, which outlines the necessity for transparency and fairness in credit transactions. Their failure to comply with these regulations is unacceptable. Moreover, under 15 U.S. Code 1681n, which pertains to civil liability for willful noncompliance, their company 's actions have caused significant harm to my credit standing.
Product: Money transfer, virtual currency, or money service

I was informed that someone was able to log into their western union account but notice all my account information and transactions which lead me to believe there was a system glitch that compromised my account and private information