23daVinci/CFPB_Complaints huggingface dataset:
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 : Account Number:XXXX Account Name : XXXX : Account NumberXXXX Account Name : XXXX : Account NumberXXXX Account Name : XXXX : Account NumberXXXX Account Name : XXXX XXXX : Account Number:XXXX Account Name : XXXX : Account Number:XXXX Account Name : XXXX : Account Number:XXXX  And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

FACTUAL DATA XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting or other personal consumer reports

On XXXX XXXX XXXX XXXX reported a dispute I submitted had been verified through the companys referenced XXXX. However their findings are incomplete, my dispute was demanding a 10-99c from referenced companies I need XXXX to share those findings with me via email or however works best for them.
Product: Credit card or prepaid card

I've had credit cards with Chase at least since XX/XX/XXXX ( 3 yrs, 7 mos ). However, unexpectedly and without explanation Chase closed both of my credit cards earlier this month ; XX/XX/XXXX. I called and received no explanation. I visited the branch today and received no explanation. Just that a letter had been mailed weeks ago. Nothing has been received and no reason has been given. I have never been late or over the limit on these credit cards. I used at least on of those on a monthly basis. This is poor service and bad reflection of a company as big and important as Chase. It affects my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed numerous disputes about XXXX  XXXX  XXXX. They have placed a fraudulent collection that is also too old to be on my report but equifax keeps verifying it as accurate even though it is not
Product: Credit card or prepaid card

Edit this section What happened? 
Requested more info on {$39.00} charge I did not recognize. INK escalated to fraud incident. Weeks go by I hear nothing. I ask of matter many times. They obfuscate, harass me with phone calls, interrogate me etc. They just notified me the account is closed. Wise guys, bad news. I just asked a simple question. Below sent to INK XX/XX/18 Never have I dealt with such incompetent malevolent people. KEEP THE ACCOUNT CLOSED AT MY DEMAND. The {$40.00} charge for which I requested information you have turned into a harassing witch hunt. ADVISE WHAT THAT LAST CHARGE WAS FOR OR REFUND THE CHARGE. AGAIN, AT MY DEMAND, CLOSE THIS ACCOUNT PERMANENTLY!! 


I want the CFPB to publish this description on consumerfinance.gov so that others can learn from my experience. 

The CFPB will take steps to remove my personal information from this description but someone may still be able to identify me. Learn how it works. I consent to publishing this description after the CFPB has taken these steps. 







Edit this section What would be a fair resolution to this issue? 
Tell me what charge is for or refund charge. 
Step 4 Edit this section What company is this complaint about? 
COMPANY INFORMATION CHASE BANK CREDIT CARD CARD NUMBER XXXX Step 5 Edit this section What people are involved? 

YOUR CONTACT INFORMATION XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX  XXXX XXXX XXXX , Arizona XXXX United States AFFILIATIONS Service details Branch : XXXX XXXX XXXX Status : Veteran XXXX : XXXX - XXXX XXXX XXXX / location : XXXX XXXX The information given is true to the best of my knowledge and belief. I understand that the CFPB can not act as my lawyer, a court of law, or a financial advisor. 
You will not be able to attach documents or edit this complaint after you submit it. 
Please make sure everything is accurate and complete before continuing. 

Submit your complaint About us The CFPB is an independent federal agency built to protect consumers. We write and enforce rules that keep banks and other financial companies operating fairly. We also educate and empower consumers, helping them make more informed choices to achieve their financial goals. 

HAVE A QUESTION? XXXX? 
( XXXX ) XXXX LOG INTO YOUR ACCOUNT Want to check the status of a complaint you already submitted? 

Username Password Forgot password? 
Log in Privacy Act Statement OMB # XXXX Have a question? XXXX? 
( XXXX ) XXXX An official website of the United States Government
Product: Debt collection

My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against Aldous & Associates for committing identity theft. I have never given Aldous & Associates any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am aware that in accordance with Article 9, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 U.S. Code 1692e ( 12 ).

I have never received any documentation requesting validation from Aldous & Associates before they committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer report including but not limited to 15 U.S. Code 1692d ( 4 ) which the FTC defines as debt parking. If Aldous & Associates can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing it on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation. 

I am legally refusing to pay this debt pursuant to 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until ( Debt Collector ) can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and ( Aldous & Associates continues its collection efforts, I will file for litigation for actual damages caused and Aldous & Associates will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.
Product: Credit reporting

I am a victim of identity theft and someone stole and used my personal information to open a XXXX XXXX XXXX Checking Account : XXXX and Money Market Rewards Savings Account Ending In : XXXX, the accounts are fraudulent, unauthorized and do n't belong to me. I have never had or opened an account with XXXX XXXX XXXX.
Product: Student loan

In deliquency right now. Trying to make some payments but due to health issues I am not able to make the current amount. Need some help spreading out the payments or figuring out something. They won't help me.
Product: Consumer Loan

On XXXX 2015 I received a package in the mail from Ally Financial letting me know that I was identified as an eligible customer for a discrimination settlement. I returned the package as indicated.XXXX I never got my payment. I called back in XXXX, and they said the payment was mailed to my old address, they updated my information. However I never got the check, I called again in XXXX, and they said that they are reiissuing the check again, but never got it, I have emailed and called them and they never follow up, they forward me to voice mails and they never return my calls. I called today again, and they have not returned my calls yet nor have I received my compensation. Very rude, and poor customer service, very dismissal. I did n't ask for this situation I think they should be able to help me and find a solution to this situation.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the reporting and billing practices associated with my auto loan with XXXX XXXX, account number XXXX. I have disputed this account for accuracy with the company and credit bureau many times this year with correspondence of dispute being XX/XX/XXXX, XX/XX/XXXX, and the latest being in XXXXXXXX XXXX XXXX This has caused me to feel oppressed with my correspondence with the company and the inaccuracies creating consent XXXX and XXXX  on my credit report, according to the FDCPA section 806 ( 15 U.S.C. 1692d ). I have waited and went the waiting periods for a fair investigation and have not been granted it continuously since XXXX and now in XXXX. Now these inaccuracies will need to be immediately deleted. I have reviewed the recent statements and the way the payment history has been reported, and I believe there are several violations of the Fair Credit Billing Act, particularly 15 U.S. Code 1666b, which governs the timing of billing statements and related late payment reports. 
Specifically, I am raising the following issues : 1. Failure to Send Billing Statements 21 Days Before the Due Date : According to 15 U.S. Code 1666b, billing statements must be sent at least 21 days before the due date. However, I did not receive my billing statements for the month of XXXX ( and previous months ) in time to allow for a full XXXX notice before the payment due date of the XXXX. This failure to comply with the statutory requirement has caused confusion regarding payment deadlines. These statements have not been sent to my address and also the emails are sent late for the billing not on said dates on letter dates. 
2. Incorrect Reporting of a Late Payment for XXXX Prior to the Due Date : I have noticed that my XXXX payment was reported as late before the XXXX of the month, which is the actual due date according to my loan agreement. I find it troubling that a payment was marked as " late '' before the due date, which is not only misleading but also violates the terms of proper payment reporting. Payments can not be considered late until after the due date has passed, and therefore, XXXX payment should not have been marked as late before the XXXX. I fear this is something that has been going on monthly, all lates should be deleted or account most be deleted for inaccuracy. 
3. Incorrect Late Payment Status on Prior Payments : Additionally, I have made required payments on or before the XXXX of each month. It is my understanding that any payments made by the due date should not be classified as late. Given that I have submitted payments on or before the XXXX, I dispute the claim that I am XXXX days late on my account. The payments has been misreported or misapplied, delete immediately. 
Included are payments and emails when bill was sent to email and none to address on file. Also, payments extensions that were directed to end of contract in XXXX was sent prior to credit bureaus to show payments were accepted but nothing was changed. 
Please delete lates immediately, I have waited beyond several times this year for a fair investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the XXXX credit bureaus on XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My Mortgage company ( SLS ) Specialized Loan Services incorrectly reported to the credit bureaus that I was late on my payments 8 times in a row ( @ XXXX to XX/XX/XXXX ). this is not the case. I called on at least 10 occasions from XXXX to XXXX of XXXX. I was then told to write a letter, which I did, and they did move forward to remove the false reporting from 2 credit agencies but they will not remove the false reporting from XXXX. I have been unable to move forward with refinancing another home because of this and the time for me to do so is dwindling down. I have called an additional 10 times and although they acknowledge that all of my calls and my issue is documented, they refuse to move forward with resolving this issue by contacting XXXX to remove this false report with no explanation as to why they are disadvantaging me in this way.
Product: Credit reporting or other personal consumer reports

I am filing this complaint to EXPERIAN for allowing unauthorized inquiries on my credit report and for no corrective actions taken on this fraudulent information. As I checked my recent credit report, unauthorized inquires are reporting on my credit report and they are not reporting accurately. I have filed an FTC report which I included here with report numbers XXXX, XXXX and XXXX for your reference and as proof.
Product: Credit reporting, credit repair services, or other personal consumer reports

Subject : Request for Immediate Removal of Fraudulent Accounts and Unauthorized Hard Inquiries I am writing to inform you that I have recently become a victim of identity theft, resulting in several fraudulent accounts appearing on my credit report. As a responsible consumer, I am taking immediate action to rectify this situation and request your assistance in removing these fraudulent accounts from my credit report as soon as possible. 

The following is a list of fraudulent accounts that have been reported to my credit report without my authorization : 1. Account name : XXXX XXXX XXXX Account number : XXXX 2. Account name : XXXX Account number : XXXX 3. Account name : XXXX XXXX Account number : XXXX 4. Account name : XXXX XXXX Account number : XXXX 5. Account name : XXXX XXXX Account XXXX : XXXX XXXX. Account name : XXXX & XXXX Account number : XXXX 7. Account name : XXXX XXXX XXXX XXXX Account number : XXXX According to the Fair Credit Reporting Act ( FCRA ), it is your responsibility as a credit bureau to ensure that the information furnished on my credit report is accurate, complete, and verified. These fraudulent accounts clearly violate my rights as a consumer and are causing significant harm to my creditworthiness. 

I kindly request that you investigate these fraudulent accounts promptly and remove them from my credit report within four business days. Failure to do so would be a violation of the FCRA and may result in legal action being taken against your organization. 

Furthermore, I have noticed the presence of unauthorized hard inquiries on my credit report that are not associated with any open accounts. These inquiries were made without my written consent and are adversely affecting my credit score and my ability to obtain credit. I demand that these unauthorized hard inquiries be immediately removed from my credit report. 

I must emphasize that I do not wish to receive a response from e-oscar or any automated system. I request that this matter be handled by a competent human being who can provide the necessary attention and ensure a proper resolution. 

I urge you to take immediate action on this matter and provide me with written confirmation of the removal of the fraudulent accounts and unauthorized hard inquiries from my credit report. Additionally, I request that you block the information related to these fraudulent accounts to prevent any future reporting. 

I expect your prompt attention and resolution of this matter within the stated timeframe. Please note that any delay or inaction on your part XXXX lead to further damages and will be duly documented for potential legal recourse. 

Thank you for your cooperation and assistance in resolving this distressing situation. I look forward to a swift resolution and the restoration of the accuracy and integrity of my credit report. 

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

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 15 USC 1681 Section 602 A- States I have the right to privacy.

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

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

My credit report is being negatively impacted by a creditor that repeatedly send inquiries regarding a debt that I had disputed and that they neglected to correct ( or offer an explanation ). They also failed to report the dispute to the credit reporting agencies and continue to submit multiple inquiries to the agencies stating the exact erroneous information.
The majority of these inquires either do not reflect any information ( just notes N/A ) or repeats previous information like " account closed ''. In just a 4 week period ( XX/XX/XXXX thru XX/XX/XXXX ) the creditor made XXXX inquiries with one of the credit reporting agencies ( XXXX ) even after they reported the account was closed. 

This tactic is obviously having a negative impact on my overall credit score and appears to be designed to make it look like there are numerous negative activities rather than the single one in question. 

I am requesting that this creditor be compelled to stop this practice and reflect that this debt was disputed and not resolved without providing me with a definitive explanation.
Product: Credit reporting or other personal consumer reports

These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these inquiries to be taken out in my name nor do they relate to anything I did. I'm unaware of any of this.
Product: Checking or savings account

On XX/XX/2023 i made a atm withdrawal from XXXX XXXX in XXXX, Ky for the amount of {$800.00} dollars, i asked for the bills to be {$50.00} bills, instead i received {$20.00} dollar bills totaling just {$320.00} dollars, i immediately held the bills up to the atm camera without pulling the money inside my vehicle so that they could see it was the wrong amount and bills, i did this because this was on a Sunday and the bank was closed. i called XXXX XXXX and they said i have to file a claim with my bank chase bank, which i did that day and told them everything including about checking the camera 's, they recently sent me an email stating that i authorized the transaction and XXXX XXXX said that their atm didn't malfunction, i asked them did they request the footage, they said no and i asked them why when i had told them all the evidence is on camera, they basically told me i had no other recourse than to accept their decision.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 I wrote to TransUnion, XXXX, & XXXX   in regards to them saying I owe {$720.00}. I requested " validation '' that is competent evidence bearing my signature, showing that I have some contractual obligation to pay them. And on XX/XX/2018 I received a itemized bill instead of evidence bearing my signature. So on XX/XX/2018 I wrote XXXX XXXX myself informing them that they have failed to provide me with a copy of any viable evidence, bearing my signature, showing that the account is being reported accurately. I asked them to provide the name, address, and telephone number, of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature. As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. And on XX/XX/2018 they sent another itemized bill stating this account in questioned has been " verified ' with no viable evidence bearing my signature showing the account is reporting accurately. I would like this inaccurate information deleted immediately from all three credit reporting agencies.
Product: Checking or savings account

Good morning, After a long relationship with Wells Fargo we have reached the point that we are totally disgusted with the treatment we are receiving. The straw that broke the camels back is a NEW {$30.00} service fee assessed to our checking account from the Wells Fargo Bank at XXXX XXXX XXXX XXXX. XXXX because our balance, for the first time ever, declined below {$25000.00}. We have NEVER received notification, by mail or in person, that this NEW and usurious fee would be assessed. While we plan to deposit funds in our account to bring the balance to {$25000.00}, until we have an opportunity to re-direct monthly pension and Social Security deposit transfers to our other banking relationships, and then close our accounts, we ask for your intervention in obtaining a refund for the {$30.00}. We are hopeful that you will give this important matter your prompt attention. 

Respectfully, XXXX and XXXX XXXX ( XXXX ) XXXX