23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I opened a previous report stating that I had been denied an extension of my own credit from Chase bank. I sent Chase a handwritten letter asking them to please explain to me how a consumer is being denied. Chase bank responded back with a generic computer generated response. Their was also a supervisor by the name of XXXX who stated on a recorded line that he was aware of the laws I provided them, and that he was ok with Chase bank breaking them. He made it very clear that he didnt care about what the consumer laws states.
Product: Credit reporting, credit repair services, or other personal consumer reports

Through the Experian website, they show my credit score as XXXX with only one derogatory item, a medical bill for {$170.00} from several years ago that was a result of the hospitals change to a new medical billing company that was a disaster according to public record as there was widespread problems. 

According to 3-In-1 credit score service through XXXX, my scores are the following : XXXX : XXXX Experian XXXX XXXX XXXX : XXXX So the scores from XXXX for Experian are substantially different. The XXXX score is an anomaly as my other scores are close to perfect. It seems like XXXX is trying to punish me with an excessively low score for a minor matter in dispute. A minor medical collection should not be hurting me by over 100 points. In addition, there should not be a discrepancy for XXXX regarding my score... one company says their score is XXXX while they say its a XXXX.
Product: Debt collection

Midland Funding received my request to validate a debt on XX/XX/XXXX, for {$970.00} which is appearing on my Consumer credit report. I have copies of the green return receipt. I gave them 30 days to reply from the receipt of the Debt Validation letter. 
As of XX/XX/XXXX, there's no reply. This a violation under the Fair Debt Collections Practice Act ( FDCPA ).
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity was stonlen on XX/XX/2022. A credit card account was opened fraudulently using my information with BARCLAYS BANK DELAWARE/O. I contacted them on XX/XX/2022 and XX/XX/2022 and on XX/XX/2022 to try and get this problem resolved but they refuse to send a letter to the credit Bureaus to get this removed off my credit report. I had to spend over XXXX contacting and emailing credit card companies and bureaus to place fraud alerts and credit freezes on my accouunt. After doing a XXXX search on BARCLAYS BANK DELAWARE/O I see the have a XXXX star rating with many people in the reviews calling them a scam.
Product: Debt collection

On XX/XX/2024 at XXXX I spoke to XXXX XXXX at Rent Debt Collections. On my credit report is a collection report for over {$36000.00}. There is also an address in Georgia listed on my personal information. Per XXXX this is a rental home in Georgia. I have lived in California my entire life. I have lived in my home in XXXX XXXX, California for XXXX XXXX years. I do not know this address. I have never rented a home in Georgia. XXXX told me he would be sending me a packet of information which I would need to file. He told me I need to report this to my local police department which I will do today. I have already spoken to XXXX. XXXX at XXXX told me I would need to file a police report and make a report to ftc.gov. My credit has been locked for years. I am not sure how someone was able to rent a home in my name when my credit was locked.

This came about as I bought a new car this week end and when the dealer ran a credit report my credit score had dropped XXXX points!
Product: Credit reporting, credit repair services, or other personal consumer reports

Pursuant to 15 USC 1681c-2 at the receipt of an identity theft report a consumer reporting agency has 4 business days to block the fraudulent information from my consumer report. 

The response from Equifax, which is attached, not only show that they've received my identity theft report, but has also prove that they've refuse to block the fraudulent information from my consumer report. Which by law they have no grounds to do so being that the request was a mistake by me the consumer, and the identity theft report from the Federal Trade Commission, which is attached, is not a misrepresentation of fact of this fraudulent information, and I did not receive and goods, services, or money for the blocking of this information. 

This company Equifax in violation of my rights as a consumer under the FCRA. Also on the paper they sent, they claim these fraudulent inquiries are a factual record of file. A factual record of file by whom? Not only are these fraudulent inquiries unauthorized by me, but I also did not give any consent to any consumer reporting agency to include this fraudulent information to my report. 

As written by congress the failure to comply with the removal of these fraudulent inquiries makes you liable under section 1681n of title 15.

As a consumer I am demanding that the following fraudulent inquiries are removed within 4 business days of the receipt of this complaint XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXXXXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2022, XXXX  account # XXXX violated my rights.

15USC 1681 sec 602 A states I have the right to privacy. 15 USC 1681 sec 604 sec 2 also states a consumer reporting agency can not furnish a account without my written instructions.

A bill without a written signature is not a validation and a violation of my rights. Accord ding to the FCRA MY RIGHTS HAVE BEEN VIOLATED!
Product: Checking or savings account

My complaint involves an apparent policy of US Bank, XXXX XXXX in XXXX XXXX NV. I was told it is a corporate directive. 
I've had a XXXX XXXX box there for a few years and was recently informed my contract for the box was out of date. On XX/XX/2018, I went in and completed and signed a new contract with XXXX XXXX XXXX. But when I requested a copy for my records I was told the contract is an internal document and I could not have a copy. 
I appealed to Manager XXXX XXXX XXXX who again said I could not have a copy and if I insisted that they destroy their copy she would cancel my box and give me the contents. 
I pointed out that it was absurd to have a contract where only one party has a copy. This seems to be not only a poor customer service policy, but also possibly an illegal unfair business practice. 
I request that you investigate the situation and aid me in obtaining a copy of my contract.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and removed from erroneous reporting in my file 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 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update these erroneous accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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

SYNCB/PAYPAL is an inquiry that is reporting on my account that I did not authorize and is fraud. I contacted XXXX multiple times to report as fraud. I called PAYPAL and they said this is not a INQUIRY from their company and is falsely reporting on my credit report. I also submitted a fraud alert on Identitytheft.org to no avail. This INQUIRY from SYNCB/PAYPAL is fraudenlent and should be removed from my XXXX credit report. No one knows where this fraudenlent INQUIRY stems from or can validate where it came from? PLEASE DELETE this inaccurate information from my credit report. The INQUIRY date reported is XX/XX/2022. The type of INQUIRY is XXXX XXXX XXXX XXXX There is also no phone number provided. During the dispute process XXXX provided me the phone number for this INQUIRY and I called PAYPAL and they said this is not there INQUIRY and they did not authorize this INQUIRY. I don't even have a PAYPAL account. PLEASE HELP!
Product: Debt collection

In XX/XX/XXXX, a check was mailed directly to XXXX XXXX. Check # XXXX was dated XXXX and someone from XXXX XXXX wrote on the check XX/XX/XXXX XXXX. [ Please see highlighted & attached ]. The check then cleared on XX/XX/XXXX [ Please see highlighted & attached ]. 

However, on XX/XX/XXXX when I called RMS [ stated they collected for XXXX XXXX ] after them appearing on my credit & affecting my credit score [ please see attached & highlighted ], they stated that they had no payment from me and that a check had bounced in XXXX. 

Despite the check bouncing, another check in the same amount was sent directly to XXXX XXXX and cleared in XXXX of XXXX. RMS stated they would talk with XXXX XXXX and circle back to me despite me sending in all the proof. I also called XXXX XXXX directly and you all claim to have neither receipt of this check nor any idea of what I am talking about. I sent in proof and was told someone would get back with me. We are now a week later and no one has taken the time to get back to me, yet they swiftly affected my credit. 

Today in the mail I receive a letter from RMS stating I owe a debt of {$57.00} from XXXX. How, when I paid {$94.00} and it cleared in XXXX? Furthermore despite the check clearing XX/XX/XXXX, RMS placed this bad debt on my credit report on XX/XX/XXXX. To date, no one has returned my calls or responded to any letters that have been sent. Please advise
Product: Debt collection

Did not inform me i could dispute the validity of this account reporting on credit report.
Product: Credit reporting, credit repair services, 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 of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed 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 of : XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  account # 's XXXX, acct # XXXX, acct # XXXX, acct XXXX, acct # XXXX, acct # XXXX, acct # XXXX, acctXXXX XXXX, acct # XXXX acct # XXXX, acct # XXXX, acct # XXXX has violated my rights 15 U.S.C. 1681 section 602 A. States I have the right to privacy.

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

Im writing to formally dispute inaccurate information on my credit report. This dispute is submitted under the XXXX XXXX XXXX XXXX ( FCRA ), XXXX XXXX. XXXX, which requires credit reporting agencies to conduct a responsible reinvestigation of disputed items. 
Recent findings by the Consumer Financial Protection Bureau ( CFPB ) have brought light significant concerns regarding XXXX and Experian, CFPB alleges that the company engaged in sham investigations, violating consumer protection laws by failing to meet its obligations under the FCRA. 
As per 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), XXXX and Experian is required to conduct a thorough and reasonable reinvestigation of disputed items within 30 days. This reinvestigation has been done in XXXX  hours which is unlawful per FCRA. Furthermore, any information found to be inaccurate or unverifiable must be promptly deleted. Failure to adhere to these requirements constitutes a violation of federal law. 
I hereby request that XXXX and Experian : 1. Conduct a thorough reinvestigation of the following disputed accounts XXXXXXXX XXXX XXXX XXXX XXXX XXXX 2. Provide me with all documentation used to verify the accuracy of the disputed information 3. Provide the chain of assignment 4. Delete any accounts that can not be verified or is inaccurate, as mandated by law Given the recent CFPB findings, I expect Experian to handle this dispute with the utmost seriousness and compliance with legal standards. 
If XXXX and Experian fails to comply with its obligations under the FCRA, I will not hesitate to escalate this matter to the CFPB and pursue any necessary legal action to protect my rights. 

Please respond to this dispute in writing within the legal mandated timeframe. I expect written confirmation of any changes made for my credit file.
Product: Credit reporting or other personal consumer reports

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didnt agree upon and I didnt sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

The  XXXX  credit companies that are  XXXX , Equifax and  XXXX   XXXX  are showing that I have a late payment on  XXXX . The account was paid off  XXXX / XXXX /  XXXX   and I had a refund mailed to me on  XXXX / XXXX /  XXXX  .     I am trying to buy a home and with this reported late in the last 12 months it is impossible. I had disputed the mistake with the credit companies and it was never removed. All it showed was ACCOUNT IN DISPUTE -- CONSUMER DISAGREES.     What is there to disagree with? Did they even call to check? I am trying everything I can I just feel as if I have no options. I will continiue to work with my lender to get this fixed but the  XXXX  credit companies have been of no help and  XXXX   XXXX  will not provide a letter that there was never a late on the account, just this payment history that I am attaching below.
Product: Credit reporting, credit repair services, or other personal consumer reports

ON MY XXXX CREDIT REPORT THERE ARE 26 HARD INQUIRIES THAT I NEVER AUTHORIZED ON MY REPORT. THE DATES OF THESE INQUIRIES STARTED ON XX/XX/2020 - XX/XX/2020. ON MY EQUIFAX CREDIT REPORT I SEE THE SAME TYPE OF INQUIRIES AS I DO THE PREVIOUS REPORT WITH XXXX I DIDN'T AUTHORIZE ANY OF THESE COMPANIES TO PULL MY CREDIT. ON MY XXXX CREDIT REPORT THESE SAME COMPANY 'S PLACED INQUIRIES ON MY REPORT THAT I DIDN'T AUTHORIZE. I REACHED OUT TO THESE COMPANIES & THEY WASN'T ABLE TO HELP ME. I REACHED OUT TO ALL 3 CREDIT REPORTING COMPANIES & THEIR ADVICE TO ME WAS TO FILE A COMPLAINT WITH THE FTC WHICH TRANSFERRED ME TO THIS SITE. I DID NOT AUTHORIZE ANY OF THESE INQUIRIES TO BE PLACED ON MY CREDIT & THIS IS A TRUE HEADACHE. I AM A XXXX VETERAN WHO FOUGHT FOR THIS COUNTRY & IT IS VERY UNFAIR THAT I HAVE TO GO THROUGH THIS PROCESS. I'M BEGGING YOU GUYS TO PLEASE HELP ME & RECTIFY THIS WRONG THATS BEEN PLACED ON MY NAME. I ONLY RECEIVE A XXXX CHECK ONCE A MONTH IN THE AMOUNT OF {$710.00}. I'M NOT A RICH PERSON SO I HAVE VERY FEW OPTIONS IN MY FAVOR.
Product: Credit card or prepaid card

I received an alert that my account was closed. I then called XXXX XXXX and told that my credit card account was suspended because of a return payment of {$64.00} on XX/XX/2018. I then contacted my bank and this was returned not because of my mishandling but due to my banks. I have a letter from my bank stating this and I would like my account to please be re-opened.
Product: Debt collection

more than 4 months i received collection form XX/XX/XXXX regarding my previous renter with collector company named Hunter Warfield for amount of {$1300.00} but i have 2 judgements against this i called XX/XX/XXXX and start dispute more than 7 times but no responds from them so i need to remove this collection from this company in my account
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE REVIEWED MY CREDIT REPORT AND FOUND AN INACCURATE ACCOUNT THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THIS NEGATIVE ACCOUNT HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT AND TO MYSELF. I HAVE NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO MY CREDIT. THIS IS ALSO STOPPING ME FROM ACCOMPLISHING A LOT OF THINGS THAT I NEED TO ACCOMPLISH AND IT IS NOT FEAR TO ME. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNT AND HAVE IT REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.
Product: Vehicle loan or lease

I re-titled the car from Florida to North Carolina. When I did I had to pay {$56.00} in charges to North Carolina that were Chase 's responsibility. I contacted them for months to get the money back. They finally sent me a check which was returned. I was charged {$15.00} by my bank for a bad check charge and I have called Chase multiple times about this. I was told last Monday by a Chase supervisor that I am apparently not the only one. There are a large number of these " bad '' checks.
Product: Mortgage

I have reached out to you all several times about the mortgage payment and down payment all not being what I was offered and the fact that I was taking advantage of due to being ill and never signed a promissory noteit was forged because I have to copies that was sent for me to sign because they didnt have one so the paperwork is not even legal. Nevertheless the less they have ruined my credit and I been saying they put me in a mortgage they knew I couldnt afford based on my income that was raised on all the paperwork afterwards. Now I am behind and if my home goes in foreclosure I will spend what money I do get to pay for a lawyer because this shouldve been handled before it got to the point. I have been reaching out since I got well enough to realize what they had done with no results.The most rude unprofessional people I ever worked with. I dont need another forbearance then the payments are just adding up I need an affordable mortgage payment. They set me up for failure from the beginning. Everybody wants to tell me how awful this company after I went through I want everybody to know before they sign anything with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

ACCOUNTS THAT ARE NOTMINE ARE REPORTING IN CREDIT REPORT I HAVE TRY IN NUMERUOS TIMES TO RESOLVE THIS SITUATION WITH THESE COMPANY PROVADING THEN ALL DOCUMENTION THAT THESE ACCOUNT ARE NOT MINE, THEY ARE THE RESULT OF IDENTITY THEFT 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 would like for equifax to remove all of my XXXX XXXX XXXX XXXX accounts. the accounts seem to be showing balance increases when they should be showing balance decreases on the credit reports through the credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian and XXXX Credit Reporting Agencies are allowing two debt collectors to publish information on my credit report in violation of the Fair Debt Collection Practice Act. According to that " Act '' debt collectors are required to contact me first regarding a debt and allow me 30 days to submit a written request for validation of the debt. Both Experian and XXXX are publishing information on my credit report regarding a collection account owed to XXXX XXXX # XXXX in the amount of {$3100.00} ; however, I am not familiar with XXXX XXXX and I never received any notice of debt from the company before it was published on my credit report. I was denied my important rights under Federal and State law. I contacted both agencies to let them know that XXXX XXXX violated the law and denied me my rights under federal law but no action was taken. 

Experian and XXXX further violated my rights by placing a second collection account on my report that was placed by XXXX XXXX XXXX. This company did send me a notice of debt about 6 months ago and within 30 days I submitted a request for validation of debt, in which I informed the agency that I have never enjoyed a XXXX account. XXXX did not contact me further, but recently in violation of Federal Law, XXXX placed a collection action on my account causing my credit score to drop.
Product: Checking or savings account

The checking account I had with JP Morgan Chase for the last 6 years has been closed by the bank without any specific reason and I was told that they decided to stop business with me. However, they closed the account without notice, restricted access to my funds, rejected ongoing payments and checks and their negligence caused tremendous trouble in payments for me. If a bank does not want business with me, I'm more than happy to switch to another one as there are hundreds of them in line but they should have some manners and manage the process properly. They never sent me a notice about their decision or warned me in advance so that I could arrange alternatives for my ongoing payments. I can't wait for future and decentralized finance where people will not need criminal banks as intermediary for financial transactions. When that day comes, I will watch Jp Morgan Chase going out of business in great joy.
Product: Credit reporting or other personal consumer reports

Unlawful to willingly share incorrect information with credit bureau without authorization or consent, please remove from my report immediately. Information as such will tarnish my image with other potentials