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

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not block the items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 






XXXX XXXX XXXX XXXX XXXX  {$37000.00} XXXX XXXX XXXX XXXX {$4200.00} {$4200.00} XXXX XXXXXXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXXXX/XX/XXXX {$0.00} XXXX XXXX XXXXXX/XX/XXXX {$0.00} UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TransUnion XXXX XXXX XX/XX/XXXX TransUnion
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of Identity Theft as well as several Data Breaches. The latest being Equifax Information Systems. The Items I have identified and highlighted on my credit report do not relate to any  transactions that I have made or have applied for resulting several in errors which have hurt my credit score I value. Please block, remove or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.
Product: Checking or savings account

I am the executor and trustee of my mother 's estate. She passed away on XX/XX/2022. I immediately notified the estates department of Bank of America, who opened a case. My mother had multiple accounts, some with pay on death beneficiaries. After a minimum of XXXX ( XXXX ) personal visits to the bank ( which resulted in multiple mistakes by the bank staff personal bankers assigned to assist me ) I was able to receive funds from all but XXXX account. This account had no pay on death clause. I have also called the estate department no less than a dozen times to follow up only to find that their bank staff had botched something yet again. Yesterday, I was advised by XXXX that all of my forms were received and APPROVED ( after a lengthy delay due to " the holidays '' ). They have made many many excuses over this past 3 months. It is always " just this many more days ''. XXXX said that the account was closed but that the transfer to me had not gone through yet ( was " processing '' ). So today I called estate services and spoke to XXXX who acknowledged that the forms were approved and the account closed but that the transfer would now take another XXXX business days ( no explanation ). I truly believe Bank of America trains staff to delay the transfer of funds purposefully. There really is no other explanation as to why I have done everything they asked and 3 months later I am still waiting! I am a FT professional and do not have hours and hours to spend wasting it on them. Needless to say, this has been an extremely frustrating experience.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX XXXX DOB XX/XX/XXXX SS # XXXX ADDRESS : XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, FL XXXX To Whom it May Concern : Experian XXXX. XXXX XXXX XXXX, TX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, PA XXXX I recently pulled a copy of my credit report and noticed the following information are in error : Inquires The FCRA states that the only permissible purpose for pulling someone's credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order. 
The following inquiries are related to none of the aforementioned permissible purposes. 

XXXX Inquiry : XXXX XXXX, XXXX Bank ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Bank ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Travel/Entertainment ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Bank ( XXXX ) XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX Bank ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX Travel/Entertainment ( XXXX ) XXXX XXXX Inquiry : XXXX. XXXX, XXXX Travel/Entertainment ( XXXX ) XXXX XXXX   XXXX XXXX  XXXX XXXX  Inquiry : XXXX. XXXX, XXXX Bank ( XXXX ) XXXX Please remove these inquiries from my credit report. I have enclosed a copy of my proof of identity. Sincerely, XXXX, XXXX XXXX DOB XX/XX/XXXX SS # XXXX ADDRESS : XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, FL XXXX
Product: Credit reporting or other personal consumer reports

I SENT NUMEROUS LETTER FOR THE CREDIT AGENCY TO PROVIDE ME WITH THE RESULTS OF THE INVESTIGATION AND THE NAME OF THE EMPLOYEE WHO DID IT THEY KEPT SAYING IT WAS VERIFIED.I NEED THIS REMOVED OFF MY ACCOUNT THEY DO NOT HAVE MY PROMISSION TO REPORT WITHOUT MY CONSENT. FROM XXXX, EQUIFAX, XXXX.
Product: Debt collection

Waterfall Revenue Group reported medical debt to all three credit bureaus, and I disputed them as not a debt not belonging to me. I have never received a statement, agreed to payment terms, nor signed any agreements releasing medical information to this company. The debt supposedly occurred in XXXX of 2020. There was a statement on my credit reports acknowledging my dispute of being a victim of identity theft during a disaster. On XX/XX/XXXX this year, the debt was removed from all three credit reports. Then on XX/XX/XXXX, the same collection agency added the debt as a new collection account under a different number. This is false and double reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am being hit with late payments every month from XXXX  and I am not and never been notified or giving any type of grace period for a car that was totaled out and when I pulled my contract theres extra products and services that I never agreed to have and was not aware that I was paying for this including Gap and a extended warranty which one of the two should have covered my remaining balance for this vehicle and the company Is refusing to come to terms with me and it is hurt my credit report profile tremendously I am not being accredited for none of the payments I previously made on this vehicle prior to my accident it is still stating the original balance from when I purchased and I also made a big down payment which was half the original price and made several payments on this account I am no longer on possession of the vehicle as of XX/XX/2021 because it was totaled out on a bad car accident and I made them aware of this as well
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX XXXX XXXX XXXX XXXX : ( Private XXXX ), Consumer Date of Birth : ( Private XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX Opened XX/XX/year>, XXXX XXXX opened XX/XX/year>. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

I appreciate your time to REMOVED some of the information in my file that resulted from an incorrect credit report information but I have an ITEMS left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT XXXX XXXXXXXX. Ive already included this issue in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. Please note that you have 4 business days to remove the reporting of any ITEM in my credit file that resulted from an incorrect credit report information. I do not consent to E-OSCAR or any means of automated verification. I acknowledge your immediate attention to this matter and response within 4 business days : Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

I have a fraudulent account on my credit report, which I reported it to XXXX  XXXX XXXX, yet XXXX  XXXX XXXX is not removing this fraudulent account. XXXX  XXXX XXXX has no right to refuse to remove this fraudulent account because I am a victim of identity theft and I have filed a valid police report. According to FCRA 605B ( 15 U.S.C. 1681C-2 ) consumer reporting agencies and creditor shall block the reporting of any information resulting from identity theft no later than 4 business days after date of receipt, yet XXXX XXXX XXXX has refused to do this. The following is the fraudulent account : XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

According to Congress Federal Law Fair Credit Report Act 15 USC 1681 A-N Definition Exclusions of Contract and Civil Liability for Willful Noncompliance erase and discharge the line of credit and transactions/experiences that show late payments, payment history, utilization, mixture of credit, length of credit history new credit. These shall be excluded on consumer reports.

You will also need to show original agreement with signed wet ink signature Since you can not furnish this information please discharge/delete this negatively impacting report items. The inquiries and bankruptcy that are illegally being reported on my credit reports. The credit reporting agencies actions have violated my rights under the Fair Credit Reporting Act ( FCRA ) and I am seeking your assistance in rectifying this matter. I have been diligently monitoring my credit reports and have noticed that they are continuing to report inaccurate information regarding my credit history. I have previously filed disputes with them to rectify these errors, providing all necessary supporting documentation. However, the agency has failed to conduct a reasonable investigation as required by the FCRA and has neglected its obligation to correct the inaccurate information. FCRA Rights Disregarded : The rights to have inaccurate information corrected promptly. ( Section 611 ( aX1XA ) ) The rights to a reasonable investigation of disputed information ( Section 611 ( aX2 ) ) The right to receive written notice of results of the investigation ( Section611 ( aX5 ) )
Product: Credit reporting or other personal consumer reports

Requested security freeze on XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting XX/XX/XXXX account number # XXXX, XX/XX/XXXX XXXX Account XXXX XXXX XXXX XX/XX/XXXXXX/XX/XXXXXXXX Account XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Account XXXX XXXX, XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XX/XX/XXXXAccount XXXX XXXX have violated my rights. 

15 U.S.C 1681 Section 602A- States I have the right to privacy.

15 U.S.C 1681 Section 604A Section 2- States a Consumer reporting agency can not furnish an account without my written instructions.
Product: Checking or savings account

In mid-XXXX  I tried depositing a check in my Ally checking account using their mobile app. The app said I could not deposit the check because it had already been deposited, which was not true so I tried depositing two other checks for different amounts. I got the same false error message when I tried to deposit those checks. 

I contacted Ally support, and they told me it was a problem with the mobile app, so on XX/XX/2018 I tried depositing the first one of those checks through their website by uploading photos, however I got the same false error message. I continued trying to deposit checks through the mobile app over the next several days, however when it became apparent their system was broken and their support was unwilling or unable to help me I cancelled the one recurring payment I had set up in bill pay. 

That payment went out anyway, so I had the recipient destroy the check. However, Ally still charged me a {$25.00} overdraft fee for that payment on XX/XX/2018 as well as identical fees on XX/XX/XXXX and XX/XX/XXXX, one of which was for an automatic payment. These overdrafts were entirely Ally 's fault for failing to keep check deposits working.
Product: Credit reporting

There is a XXXX XXXX item on my Transunion and XXXX credit reports listed as " charged off as bad debt '' and showing a balance of {$280.00} and past due of {$100.00}. This account went into default in 2000, date of last payment is XXXX XXXX, 2000. There has not been any activity on this account since 2000 which far exceeds the 7 year reporting period. I have disputed this account with both credit reporting agencies and both come back with no explanation except that it a valid account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I never gave authorization for credco to inquire as to my credit status. I would like that " hard inquiry '' removed from any and all credit reports. Thanks
Product: Checking or savings account

Complaint against CHASE BANK, NA, XXXX JPMorgan Chase & Co . 
Office of the Comptroller of the Currency ( OCC ) Case # XXXX Chase Bank NA wrongly took {$1100.00} from my Social Security retirement income to pay two usurious loans : A {$500.00} loan at XXXX percent interest, and a {$600.00} loan at XXXX percent interest, in violation of, XXXX XXXX, section XXXX ( XXXX ) of the Florida Statutes. I am currently age XXXX. 

On XX/XX/year>, the Customer Assistance Group ( CAG ) of the Office of the Comptroller of the Currency ( OCC ) provided me a letter ( Exhibit 1 ) that states, " Your complaint appears to involve an issue that does not fall under the direct jurisdiction of our office. You can submit a complaint about this issue to the Consumer Financial Protection Bureau ( CFPB ). '' OCC Case # XXXX. 

On XX/XX/year>, XXXX XXXX, Financial Specialist, Division of Financial Institutions, the Florida Office of Financial Regulation, referred my complaint to the Comptroller of the Currency ( OCC ) because Chase Bank falls outside of its regulatory authority. Chase Bank is a National Association financial entity operating in Florida under the regulatory jurisdiction of the Office of the Comptroller of the Currency ( OCC ). ( Exhibit 2 ) My complaint shows Chase Bank NA wrongly took {$1100.00} of my Social Security direct deposit after I made XXXX XXXXXXXX XXXX my direct depository on XX/XX/year>. ( Exhibit 3 ). 

Somehow my Social Security direct deposit was redirected back to my closed Chase Bank XXXX account and used to unlawfully pay XXXX unauthorized Tribal lenders for loans that are unenforceable and uncollectable in Florida under XXXX XXXX ( XXXX ) of the Florida Statutes : XXXX XXXX XXXX, XXXX doing business as XXXX Lending {$500.00} loan at 766.88 % interest, XX/XX/year>, Truth In Lending Act Disclosure ( Exhibit XXXX ) Unauthorized lender, unenforceable and uncollectable loan in Florida ( XXXX. XXXX ( XXXX ) ) Chase Bank Claim Number : XXXX - XXXX XXXX XXXX, XXXX XXXX XXXX, doing business as XXXX XXXX {$600.00} loan at 500 % interest, XX/XX/year>, Truth In Lending Act Disclosure ( Exhibit XXXX ) Unauthorized lender, unenforceable and uncollectable loan in Florida ( XXXX. XXXX ( XXXX ) ) Chase Bank Claim Number : XXXX - XXXX XXXX XXXX A letter of XX/XX/year> from the Chase Bank Executive Office ( Exhibit 40 ) admits Chase Bank used my Social Security direct deposit to pay {$1100.00} to 605 XXXX XXXX XXXX XXXXXXXX. This admission by Chase Bank establishes probable cause for a violation of 560.125 ( 5 ), a 3rd degree felony. 560.125 also provides for criminal fines ( 6 ) and civil penalties ( 7 ).

See my 36 page complaint and Exhibits 1 through 62
Product: Vehicle loan or lease

Sometime during the late XXXX 's or early XXXX 's, I co-signed with an individual to purchase a vehicle in XXXX, SC. The vehicle was later repossessed and sold at auction. I have recently found that GMAC has recorded a judgment against me without a court hearing. A judgment can only be issued by a judge after a court hearing. How were they able to do this?
Product: Debt collection

I am XXXX XXXX XXXX and I am sending this complaint without any third-parties involved. I believe I am a victim of identity theft. Due to the Pandemic, we have been facing a lot of problems in terms of financial, emotional, and physical aspects. Also, I have been hearing a lot of recent news that the XXXX is having data and system issues. I decided to look at my credit reports from the XXXX and XXXX credit bureau and found that this RMP, LLC ( Original Creditor : XXXX XXXX XXXX ) with the account number XXXX was reporting to be negative on both XXXX and XXXX XXXX I have disputed the fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I have done many attempts to reach out to the XXXX  but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.
Product: Debt collection

i realized they had put a collection on my report after this i requested multiple time to validate the DEBT and provide proof and this company never did
Product: Debt collection

SUNRISE CREDIT SERVICE XXXX 15 USC 1681 section 602 A States I have the right to privacy. 15 USC 1681 section 604 section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 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 more than seven years. 15 USC 1681s-2 ( A ) ( 1 ) A Person shall not furnish any information relating to a consumer to any consuming reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate I HAVE NEVER given authorization nor permission to report to credit nor do i have an account with this agency! My rights has been violated and they are in violation according to the statutes mentioned above
Product: Debt collection

I am writing to file a formal complaint against XXXX XXXX XXXX XXXX XXXX XXXX and XXXX for actions they took in XXXX regarding student loan debts from XXXX. I was sued by these entities in XX/XX/XXXX for loans I was unaware of and for which I have been making payments under a settlement agreement arranged by my attorney. 

I would like to bring to your attention the following details : Lawsuit Details : I was sued by XXXX XXXX XXXX XXXX XXXX XXXX and XXXX in XX/XX/XXXX. These loans date back to XXXX, and I was completely unaware of any outstanding obligations at the time. The lawsuit came more than XXXX  years after the alleged loans were originated. 

Bankruptcy XXXX : I filed for bankruptcy, which was XXXX in XXXX. I was under the impression that these loans were included in the discharge. However, I later discovered that the loan holders attempted to collect the debt well after the bankruptcy discharge and several years of inactivity. 

Payment Plan : To resolve the matter and avoid further litigation, I worked with my attorney, XXXX XXXX XXXX of XXXX Law Firm in Alabama. He negotiated a settlement plan whereby I agreed to a payment schedule of {$25.00} per month for each case involved, totaling {$50.00} per month. This was to prevent any further legal action from being taken against me. 

Given the long period of inactivity and my bankruptcy discharge, I would like to understand if the actions of these companies, XXXX XXXX XXXX XXXX XXXX XXXX and XXXX, are in compliance with relevant consumer protection laws, including the Fair Debt Collection Practices Act and the Bankruptcy XXXX. 

I request that the CFPB investigate this matter to determine whether any violations occurred, and if so, to assist in holding the appropriate parties accountable. 

Thank you for your time and attention to this issue. Please let me know if you require any further documentation or information
Product: Credit card or prepaid card

XXXX XXXX has been checking my credit report monthly and if it drops they either close the account or drop the spending limit. They closed XXXX XXXX and now they closed XXXX on me. For more reason. I have made payments on time and have paid more than requested
Product: Debt collection

On XX/XX/year>, at XXXX XXXX Central Time, I received a call at my XXXXXXXX XXXXXXXX residence from R.A. Rogers Inc. ( XXXX ). The timing of this call violates the FDCPA, as it occurred before the legally permitted time of XXXX AM in my time zone. The caller, identifying herself as 'XXXX XXXX XXXX ' left a voicemail that failed to include several legally required disclosures. 

The voicemail message stated : 'This is XXXX XXXX calling with our Rogers . Please give me a call back at area code XXXX. XXXX I'm on extension XXXX. ' This message notably failed to : Identify herself as a debt collector Disclose that this was an attempt to collect a debt Provide the required mini-Miranda warning Moreover, I have never received written validation of the debt they are attempting to collect. I have no documentation explaining what this debt is for, who the original creditor might be, or when it was allegedly incurred. My phone system has identified this number as 'SpamRa Rogers Inc ' with multiple spam reports, suggesting a pattern of problematic contact attempts.