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

XXXX XXXX who is in jail in XXXX XXXX was caught with my personal information and a bunch of accounts he opened in my name.. he was convicted if this.. I've disputed this 3x and even included his charges and disposition of the case but experian keeps updating my disputes as " verified '' and lowers my credit score every time they " verify '' it. They refuse to remove these identity theft accounts from my credit report and even though I provided them with his conviction the now want a police report.. I didn't know identity theft happened until he was arrested and therefore there is no police report.. I have the same adverse accounts now as I did when I started this action because XXXX keep updating as " valid '' yet they have lowered my credit score XXXX points even though nothing has changed. I want the fraudulent accounts removed, they have the court paperwork.. I want my credit score brought up to where it should be before this fraud happened to me.. when I complained they sent me a copy of my credit report and said to send a police report. I already gave the court documents there is no police report. XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

For the company to do what is fair and equitable to me as a consumer by deleting the items identified as Identity Theft on my consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to file a formal complaint regarding a fraudulent items that are still reported on my credit file, the fact is, I had already been disputed them. I believe that my consumer rights have been violated, and I am seeking assistance in resolving this matter. I kindly request that the Consumer Financial Protection Bureau investigate this matter and work with the concerned parties to resolve the issue in a fair and timely manner. I believe that my consumer rights have been violated, and I am seeking a just resolution for these following items to be removed immediately : XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$1500.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$13000.00} ; XXXX  XXXX XXXX Balance Owed : {$1500.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$13000.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX  XXXX XXXX Balance Owed : {$1500.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$13000.00} ; XXXX XXXXXXXX XX/XX/XXXX ; XXXX  XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Product: Debt collection

I haved filed with Complaints against XXXX with Consumer Financial Protection Agency against XXXX and now XXXX is damaging my credit and harrassing me everyday and nights and weekends in trying to collect a debt l do n't owed since 2015. 
My last filed complaints with Consumer Financial Protection Agency was filed on around XXXX XXXX, XXXX.filed XXXX complaint # XXXX. 
XXXX has collection company lC System Inc harrassing me on my cell phone XXXX and leaving voice messages. 
I am on XXXX XXXX XXXX and XXXX. 
I am taking prescribed medications. 
I am also a XXXX Military Veteran. 
Under my XXXX XXXX XXXX Act Laws Civil Rights XXXX or IC System Inc can not collect no debt under Federal Government mandated XXXX XXXX XXXX Laws Civil Rights and XXXX XXXX and XXXX can not display collections on my credit report. 
This is a Federal Government Consumer violations of the XXXX XXXX Laws implemented by Congress XX/XX/XXXX.for XXXX Act.
Product: Credit reporting or other personal consumer reports

AS A CONSUMER I AM SUBMITTING THIS REPORT TODAY. THE CREDIT REPORTING AGENCIES XXXX, EQUIFAX, XXXX, XXXX, XXXX, XXXX, XXXX AND XXXX HAVE VIOLATED 18 USC 1028A, WHICH PROHIBITS AGGRAVATED IDENTITY THEFT. THIS VIOLATION OCCURED WHEN THESE ENTITIES FURNISED INFORMATION WITHOUT MY CONSENT. INCLUDING THE FOLLOWING INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, EQUIFAX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, and XXXX XXXX  ON MY CONSUMER REPORT. ADDITIONALLY, THEY HAVE CONTRAVENED 15 USC 1681B, which outlines the permissible purpose of consumer reports. I have requested Form SSA-89 from XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, EQUIFAX XXXX XXXX, EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX  XXXX and XXXX XXXX WHICH IS A FORM THAT SHOULD BE FILLED OUT, THEN SIGNED BY THE CONSUMER ( MYSELF ) AS PROOF OF APPLYING FOR THE SAID CREDIT. THE CREDITOR THEMSELVES DO NOT HAVE SUCH DOCUMENTATION AS THS, WHICH MEANS THEY HAVE FAILED T DO THEIR JOB AS A RESPONSIBLE CREDITOR AND KEEP SUCH FILES IN THEIR RECORDS FOR THESE REASONS, SO THAT IF IT IS REQUESTED WE WILL KNOW WHO, WHAT XXXX AND WHERE TO PROCEED ON SAID CASES AS THIS IN THE EVENT OR FRAUD AND IT IS DEEMED AS SO MY PRIVACY HAS BEEN VIOLATED AS WELL XXXX!!!! IAM NOW TRYNG TO PURCHASE A HOME AND THIS IS THE ONLY ITEM NEGATIVELY AFFECTING MY CREDIT IN THIS CASE. PLEASE REMOVE IN THE 1-4 BUSINESS DAYS AS THE DISPUTING TIMEFRAME HAS BEEN ELAPSED AND THE SAID FORM NOT RECEIVED. THANK YOU FOR YOUR PROMPTNESS.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently sent letters over 60 days ago to this bureau Equifax and they are disregarding a regular consumer dispute. I'm stressed and extremely upset at this company because I've been sending letters before this and still no response.
Product: Credit card

XXXXXXXX XXXX owes me {$98.00} in a refund from when my account with them was paid off XXXX XXXX XXXX {$98.00} was due to me and sent to me but the check was returned. Twice. I have called. XXXX has called since late XXXX. It is now mid XXXX. I submitted a written dispute and in XXXX days they concluded the check was cashed. Every time I try i get a new person who begins with no knowledge of my problem and they only look at a screen which tells yh the incorrect information that the check was cashed. I have addressed additional letters with proof that the check was returned twice to Head of Dispute Dept. They do not have a phone line that i am able to use. Hrlp m e get my {$98.00}. I am XXXX on low. Income and have no money. They have billions
Product: Credit reporting or other personal consumer reports

i have inquiries ive submitted where i was denied by the creditor. 

XXXX ( XXXX accounts ) XXXX XXXX auto finance XXXX XXXX - XX/XX/XXXX auto finance XXXX  XXXX - XX/XX/XXXX bank card XXXX  - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XXXXXXXX XXXX XX/XX/XXXX - bank card XXXX XXXX ( XXXX accounts ) XXXX and XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX auto finance XXXX XXXX auto finance XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I replied to an ad at XXXX  for a goldendoodle puppy. The seller asked for {$400.00} deposit through cell. I contacted CHASE by phone and asked if that is ok and if the transaction came out to be fraud/scam or for some reason did not materialize, I asked if I can have the money sent thru XXXX reversed to my account. The representative from CHASE said YES and that CHASE have a claim process to do that and he told me to go ahead. I sent the deposit, and the day after, I found out that I am scammed. The seller is not in the address he gave. I called back CHASE to immediately inform them that I need the money sent reversed. The claims department said there is no way they can get back the money. They refused to give me the recipients bank account information, even if I told them that I will inquire with the recipients bank. I even called XXXX and the representative said they can not help me. 
seller information : XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX. DOB :XX/XX/XXXX DRIVER 'S LICENSE : XXXX
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I am writing to give notice of a grave matter of concern regarding the unauthorized and uncompensated use of my source data by Advanced Resolution Services , Inc. It has come to my attention that Advanced Resolution Services , Inc. has utilized my source data without obtaining the expressed written permission, authorization or consent, as required under the Fair Credit Reporting Act ( FCRA ). This unauthorized use constitutes a clear violation of my fundamental rights, protected by law under the FCRA, which mandates that consumer data can not be used without explicit consent from the individual. It is widely known that Advanced Resolution Services , Inc. resells consumer credit information and source data for profit and monetary gain, unbeknownst to the consumer/registered owner, unjustly enriching Advanced Resolution Services , Inc. at the consumer 's expense, which the law may consider trademark infringement and identity theft, and an unfair and deceptive business practice, done in bad faith with malicious intent. Take note, the source data in question holds a minimum value of {$7500.00} USD. I demand that Advanced Resolution Services , Inc. immediately cease and desist from any further use of my source data and remove all instances of this data from your systems within 7-14 business days from the date of this notice. Furthermore, I demand full compensation for the unauthorized use of my source data, amounting to a minimum of {$7500.00} USD. Failure to comply with these demands will result in further legal action to protect all rights and interests. Please confirm in writing that you have received this notice and that you will comply with the demands herein within the specified timeframe.
Product: Credit reporting or other personal consumer reports

I recently conducted an investigation of my credit report, which caused severe distress when I discovered unverifiable, invalidated, inaccurate, and questionable items that your agency failed to ensure were reported accurately. 

Under the Fair Credit Reporting Act, it is mandated that all information on my credit report be 100 % accurate. However, these accounts are in clear violation of 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) by not adhering to this standard. 

I am attaching copies of all previous correspondence for your review. I demand that these inaccuracies be rectified immediately to comply with federal law and alleviate the harm caused by your agency 's negligence.
Product: Student loan

My private student loan had originally been serviced through XXXX since beginning repayment in XXXX. When I tried making my XXXX XXXX payment it showed I owed {$0.00}. I contacted XXXX and they stated my loan was transferred to a new lender and that I would be receiving letters in the mail with details. The only letter I received was on XXXX/XXXX/XXXX from FirstMark Services ( my new servicer ) stating that I was behind on payments from missing the XXXX XXXX payment. I emailed FirstMark Services on XXXX/XXXX/XXXX to get more information regarding the situation. I did n't even know who my new servicer was to make a payment. XXXX replied on XXXX/XXXX/XXXX apologizing and that they would look into a forbearance option to catch me up on payments and get back to me. They finally called me on XXXX/XXXX/XXXX. In between those dates, my co-signer and I continued to receive harassing phone calls. As I spoke to the gentleman he informed me that they were ready to begin applying for a forbearance but I would have to verbally apply first. I thought this whole time they were already processing the forbearance due to their mistake. I completed the verbal application and the man informed me that there is a good chance that I would be approved. However, I had to first fill out the application and send it into FirstMark. I tried re-explaining my entire situation because I do n't think they fully understood. But all FirstMark kept stating was that it did n't matter if I never received information I was still responsible to repay my loan because I signed the Promissory Note. I completely understand this but I did n't know who to send my payment to. The representative stated next that it would take some time for them to gather the forms and mail them to me. And if they did n't process it by the XXXX of XXXX that it would be reported on my credit. I asked if there was any options to expedite me receiving the application to avoid this, maybe if I could get the form myself online or if he could email me the forms. He stated that he would email the forms to me and I would be able to receive it within 2 days using this option. This helped ease my mind a bit. Unfortunately, as I am writing this today it is XXXX XXXX and I have not received any emails or letters with the forms I need. This means this entire error they have made will now penalize my credit. FirstMark Services just seems to be playing games and not willing to assist in anyway. I made payments for 8 straight years with XXXX never missing XXXX from XXXX to XXXX XXXX. Now, under FirstMark things have fallen apart.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent over 10 complaints about an address that's on my credit report to Experian and they still haven't removed them, they have responded that they are going to remove the address, and still on my credit report : XXXX XXXX XXXX XXXX, XXXX, FL XXXX
Product: Credit reporting or other personal consumer reports

A car i purchased was stolen and needs to be removed from my credit report
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. 
ACCOUNTS : XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$0.00} XXXX - XXXX - XX/XX/XXXX - {$140.00} XXXX - XXXX - XX/XX/XXXX - {$12.00} XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$0.00} XXXX XXXXXXXX - XXXX - XX/XX/XXXX - {$57.00} XXXX  - XXXX - XX/XX/XXXX - {$1300.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$620.00} INQUIRIES : XXXX XX/XX/XXXX AXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Credit card or prepaid card

I was approved for deferred/forbearance on my Chase Visa Signature card for 3 months. 
They charged me interest and would not refund me the interest charge even though I paid the card off in full even approved for deferred payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I reviewed my credit report and I noticed a late payment reporting on my XXXX XXXX account ( account number XXXX ). I was actually not late on this account. According to 15 US Code 1681e, credit reporting agencies have a legal obligation to follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

I have attached a copy of my report to this complaint on XX/XX/24. I am now requesting that you investigate and provide verifiable proof with records showing that I had these late payments. If this information can not be verified, please update these payments to paid on time immediately. Please see screenshots attached. Thank you for your prompt attention to this matter
Product: Debt collection

I sent Credence Resource Management LLC a certified letter to verify proof of the charges they saying I owned they signed the certified letter but didnt send back the documents that was send to Credence Resource Management LLC from me instead they send me back a debt collector bill stating that this debt been verify and also send me blank cell phone statements. This doesnt count as verifying a debt. The statements they send me is blank because I never made any calls or use any data on this account and the cell phone was send back to the company! I dont owned this balance and also i need my documents to be filled out and return back to me within 30 days they didnt do it so its past the 30 days I need this balance to be remove off all three of my credit reports They didnt follow guideline the letter was send out XXXX XXXX. I will attach the letter that was send to me and I also will attach the letter that I send to Credence Resource Management LLC.
Product: Credit reporting, credit repair services, or other personal consumer reports

The below account doesnt belong to me XXXX XXXX # XXXX AMOUNT {$14000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX mishandled this breech and its aftermath. This is completely irresponsible use of very sensitive information. They need a solution for us NOW. Their officers selling stock days after this is very suspect as well. Your job is to protect we the people! Do it!
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX XXXX XXXX Date : XX/XX/year> To : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX Subject : Request to Update Public Records with Phone Number Dear XXXX Support Team, I am writing to request an update to my public records in your database. Specifically, I would like my current phone number to be added or updated in your records to ensure the accuracy and completeness of my profile. Details to Update : Phone number : XXXX I have attached proof of my identity and documentation verifying my current phone number for your review. Please let me know if additional information or documentation is required to complete this request. I kindly ask that this update be processed promptly. Once completed, I would appreciate confirmation of the update to my public records. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested my annual report and it said i was unable to get access to it. I tried to get it XX/XX/2019 i then call both companies and they werent able to help me.
Product: Credit reporting or other personal consumer reports

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a series of letters to the credit reporting agencies multiple times requesting a fair investigation due to inaccurate reporting I am fully aware of how reporting works and found evidence of non-compliance in accordance to the XXXX and XXXX XXXX format procedures to report. The entire profile SCREAMS lawsuit and im trying to resolve this amicability without going that route but they are forcing my hand due to their negligence Please note that they are ignoring my request to modify accounts, which would lead to changes on all agency reports ( as per the carbon copy rules of E-Oscar updates ). 
It is very important that you please investigate and resolve as this is injurious to my character and is obstructing my ability to obtain financing.
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 XXXXXXXX has violated my rights. Or a list of inquiries : 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 card

Dated : XX/XX/2023 JPMorgan Chase & Co . 
XXXX XXXX XXXX, XXXX XXXX XXXXXXXX, New York, XXXX REQUEST FOR REMOVAL AS AUTHORIZED USER OF CREDIT CARD A/C TITLE JPMCB CARD, ACCOUNT NO. XXXX. 

Dear sir, I hope this letter finds you well. I am writing to formally request the removal of my status as an authorized user of the Credit Card of Account No. XXXX titled as JPMCB CARD SERVICES. 

After careful consideration and review of my financial circumstances, I have decided that it is in my best interest to discontinue my status as an authorized user on the aforementioned Credit Card. I greatly appreciate the opportunity that JPMORGAN Chase & CO has provided me, and I am grateful for the positive experiences I have had as an authorized user. 

I understand that there may be necessary administrative processes to complete in order to remove me as an authorized user. I kindly request your assistance in initiating these procedures to ensure a smooth transition. 

I am committed to ensuring that this transition is carried out in a seamless manner and would be more than willing to cooperate with any requirements from your end. I recognize that there may be a timeframe required for this request to be processed and implemented, and I appreciate your understanding in this matter. 


Thank you for your attention to this matter. I look forward to receiving confirmation of the successful removal of my status as an authorized user of the aforementioned Credit Card.