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

Throughout the last month, Chase Bank has been re-ordering all debits in order to maximize overdraft fees. For example, on XXXX XXXX on my statement, Chase charged me {$68.00} for two overdraft fees totaling XXXX dollars buy putting a {$75.00} check ahead of these, where it should have charged only one fee at {$34.00}, as there were sufficient funds to cover the aforementioned smaller debits. This practice is frustrating. For someone who is living pay check to pay check, Chase is extracting hundreds of dollars in fees. This is usury and it should be stopped.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the presence of some hard inquiries on my credit report as listed below. These inquiries were made without my knowledge or consent, and I request their immediate removal from my credit file. 

Inquiry Details : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX 3 INFORMATIVE XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Discover financial services have wrongly reported a write off negative balance of XXXX dollars for a dispute being raised for a debit card purchase. Despite of reaching discover via XXXX  complains and also to correct wrong chex system report discover is asking to pay that XXXX dollars despite of non receiving of the product and are not willing to sort this despite of multiple conversations and follow ups. And to make it even more worse discover has not even furnished a detailed investigation report of on what grounds the credits for the dispute were reverted back. So this needs to be escalated and would like to give one last chance to discover to sort this out. Lets see
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX, NY XXXX XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Late/Closed XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Late/Closed XXXX XXXX XXXX XXXX Date Opened XXXX XX/XX/XXXX Balance Owed : {$0.00} Late/Closed XXXX FIN SVC XXXX Date Opened : XX/XX/XXXX Balance XXXX : {$12000.00} Charged off
Product: Debt collection

XXXX XXXX XXXX has placed a collection in the amount of {$470.00} to all credit bureaus that does not belong to me, after contacting the company requesting proof of such debt, they have refused to send any proof of this collection
Product: Credit reporting

I 'm complaining against this company for many reasons : # 1 I received documents after my FIRST dispute stating that they will no longer investigate any of the accounts that I disputed which is a violation of section 1681 - Congress states that once I notify the CRA 's that there are inaccuracies, they are required to investigate and provide results within 30 days. I continue to receive this same statement even though I clearly list my disputes and label what I is not accurate # 3 There are accounts that have had no udpates since 2015 which clearly shows that there have been no investigations whatsoever # 4 I 've requested the documents that they are using to verify these accounts as allowed under section 609 - Consumer disclosures - all documents contained in my files - Congress states that the bureaus are required to have these documents prior to reporting the accounts to ascertain that this information is valid, accurate and complete which means that there should be NO problem sending this information to me. Congress also states that the only legal form of verification is firsthand knowledge - that means that they must either be the actual creditor themselves or have the physical documentation - I require this information immediately to pass on to my attorney *I 've included my dispute letters, credit report, identification
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to dispute an inquiry on my credit report, as I have no affiliation with the creditor in question and did not authorize any inquiry into my credit. Please investigate this matter and take immediate action to remove the inquiry from my credit report as soon as possible
Product: Checking or savings account

I called Truist bank and asked what I needed to do. They instructed me to go in so I went inside of the Truist branch and verified my identity with my id. MIND YOU, MY ACCOUNT HAS BEEN FROZEN FOR XXXX YEARS. I still have money in my account and I think Truist is trying to keep my funds.
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 confidentially under 15 USC 1681. 

Account Name : XXXX XXXX XXXX XXXX Account # XXXX Inquiry Name : XXXX XXXX Inquiry Date : XX/XX/2024 Inquiry Name : XXXX XXXX XXXX Inquiry DateXXXX All Acccounts Have Violated My Rights per 15 U.S.C. 1681 section 602 A. States : I have a right to privacy.

15 U.S.C. 1681 section 604 A section 2. States : A Consumer Reporting Agent can not furnish an account without my written instructions.

15 U.S.C. 1681c. ( a ) ( 5 ) States : No Consumer Reporting Agent may make any Consumer Report containing any of the following items of records of information, any other adverse information, other than records of convictions of crimes which antedates the report by more than seven years.

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

I sent a letter last XX/XX/XXXX to delete the items listed below that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove these items not later than 4 business days. Ive already included this in my previous complaint & I am including it again. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit card or prepaid card

I had received XXXX {$500.00} prepaid cards from my past landlord as part of a lease renewal program. Didn't realize they had an expiration date of XX/XX/21 so I attempted to get them reissued. The cards were being serviced by XXXX. I called them and every time it just says bye and hangs up. I find out later by calling XXXX ( card disclosure said they where servicer ) that they have no information on the cards and that XXXX has closed down ( XXXX also was taken over by another company ). I then called XXXX and XXXX and since they are the brand on the card and they both have no information on the cards. Finally, I attempted to call Fifth Third Bank since the disclosure says they issued the cards ( they also were former owners of XXXX ). In trying to talk with them they said they do not have the cards in their system and would not pass me on to a Supervisor/Manger because I am not a customer and could not be " verified ''. As issuer of the cards I feel the ball is in Fifth Third Bank to make good on these XXXX cards.
Product: Vehicle loan or lease

On XX/XX/year>, i received a letter from Truist XXXX XXXX  that stated the account for vehicle loan was paid off. But I have ni access to my auto loan account online and have no way of knowing how to get the lien for the vehicle released. The loan was originally for SunTrust Bank before it merged with Truist.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good evening! 

I have noticed unauthorized inquiries on my report that i don't recognize or someone applied in my name. 
According do the FCRA Fair Credit reporting Act, Legally these unverified and unauthorized inquiries have to be removed ASAP. 

Their are inquiries on here where I was not approved for the credit, loan or etc. These inquiries need to be removed as it has dropped my credit score. 
i know that you all are familiar with 15USC 1681C block of information clause correct? I know my rights and I know transunion, XXXX and XXXX aren't real Bureaus. I know the law, and i will not hesitate to take these 3 creditors to court for unauthorized inquiries, lates payments, discrimination, etc Listed below are inquiries that are unauthorized and need to be removed asap!!! 
XXXX twice : XXXX XXXXXXXX XXXX  : Transunion XXXX XXXX : XXXX and Transunion XXXX XXXX twice : XXXX XXXX XXXX XX/XX/2022 : Transunion XXXX XXXX : Transunion XXXX twice : XXXX and transunion XXXX : transunion XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX : TransUnion XXXXXXXX XXXX  : TransUnion XXXX XXXX : TransUnion XXXX : TransUnion XXXX XXXX : Transunion XXXX : TransUnion Because of these, i had to end up freezing my credit!! 

I refuse as a consumer to hold back anymore. I deserve to be treated fairly, and that is what will be happening going forward. I refuse to let the mistakes of these creditors hold me back any longer! 

I also will be forwarding 2 more letters as well as filing a complaint to the attorney general.
Product: Credit reporting, credit repair services, or other personal consumer reports

An unknown collection account was reported to my Experian credit file for {$1100.00} and I have disputed the information online. Recently, I mailed a Debt Validation Dispute Letter to the collection agency certified mail, and it was received by the agency on XX/XX/. Experian will not update the account status on my credit file as being in the dispute process. Therefore, the collection is still reporting as current and late each month. This is a violation of the Fair Credit Reporting Act. I have contacted Experian, and they claim that the collection account is no longer on my credit file. However, when I log onto my Experian account, my credit file still shows the collection and once again, Experian have not placed this account in dispute status. In addition, once an account is in collections, it is a violation of the Fair Credit Reporting Act for the account to still be reporting as late and current each month.
Product: Debt collection

ERC a third party collection agency violated my rights by contacting me through mail, In the letter sent to me there was a logo that belongs to this company, in 15 USC 1692b ( 5 ) states that use of any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt is a violation.

ERC also violated my rights by claiming I owe a debt, violating 15 USC 1692b ( 2 ).

In the letter ERC used obscene and profane language violating 15 USC 1692d ( 2 ), and threatened to report me to the credit agencies, this action ruins my reputation and is defamation of character and it is a violation according to 15 USC 1692d ( 1 ). ERC also used false and misleading communication violating 15 USC 1692e ( 5 ) Threatening to take any action that can not legally be taken or that is not intended to be taken, and again stating they will attempt to ruin my reputation and character violation of 1692d ( 1 ).

ACTIONS I TOOK : *wrote out an itemized list of every violation, labeling them exhibits ( a ), ( b ), etc.

*highlighted and wrote in red ink every violation on the original piece of mail I received.

*wrote an affidavit of Truth with all exhibits clearly itemized.

*in the affidavit stated that I am sure the removal of my information from ERC website, company records, or any and all derivatives therefore, of, and / or with any affiliates will ensure my privacy right won't be violated again due to my lack of consent.

*stated that I do not accept their offer to contract.

*stated that I do not consent to these proceedings.

*stated that I do require subrogation of the bond to settle the charge *I typed out all factual violations in an affidavit of truth which was then notarized.

*sent the affidavit of truth to ERC response address listed via Certified Mail.
Product: Credit reporting or other personal consumer reports

I am filling a complaint against XXXX for filling to properly investigate my dispute regarding the inaccuracies in my credit report. Despite my submissions, XXXX consistently responds with 24 hours stating any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C 1681i which mandates a reasonable investigation of disputes.
Product: Credit reporting, credit repair services, or other personal consumer reports

Sync care credit Are violating the fair credit reporting act on the fair debt collection practices they are sending my personal information to an address in XXXX that I have never lived at in my life on this information they listed my XXXX Social Security number my XXXX cell phone number my XXXX date of birth the fact of the XXXX matter is they also disclosed what they claim I owe them as debt to someone I dont live with or know The collection company they used was called XXXX, XXXX is Retaliating against me which is considered a criminal offense because they want to attack me because they committed violations up the XXXX on the fair credit reporting act fair debt collection practices on behalf of another company when they themselves were supposedly in possession of an account well three other debt collection company said the same exact account back to back when I prove that they try to act all snobby and XXXX full of them XXXX XXXX selves in the end they had to take it down because I wouldve XXXX sued them into a XXXX sandbox the fact is I still have all that XXXX information and the fact that they and sync care credit wan na report false information on my XXXX credit report as well as retaliating against me but threatening to sue Retaliating against me which is considered a criminal offense because they want to attack me because they committed violations up the XXXX on the fair credit reporting act fair debt collection practices on behalf of another company when they themselves were supposedly in possession of an account well three other debt collection company said the same exact account back to back when I proved it they tried to act all snobby and XXXX full of them XXXX XXXX selves in the end they had to take it down because I wouldve XXXX sued them into a XXXX sandbox the fact is I still have all that XXXX information and the fact that they and sink care credit wan na report false information on my XXXX credit report as well as retaliating against me but threatening to sue Them for violations because of multiple collections they were involved on for fraudulent collection before they return want to put false information on my credit report and want to send personal information to an address in XXXX I have never lived that in my life as well as violations even further by giving my personal XXXX information to the people at that address as well as disclosing supposed debt which is another violation, these XXXX XXXX  at Synccare credit and XXXX are now going to get XXXX sued for sending my personal XXXX information to a place Ive never XXXX lived at in my life, that as well as disclosing supposed debt which is another violation I will be contacting an attorney and you can XXXX my XXXX XXXX  you XXXX XXXX you XXXX  XXXX XXXX XXXX give my personal information somewhere Ive never XXXX lived you XXXX Im telling you right now if anyone at that address tries using my information not only am I gon na XXXX sue you I will XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX and Ill XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

I filed my taxes through the mail for my XXXX XXXX XXXX and received them. Now I'm getting credit card requests in my new email account I made through XXXX because all of my XXXX accounts were and are hacked.
Product: Credit card

I have written or faxed four ( 4! ) times Elan Financial Services, operator of the XXXX credit card offered by Fidelity Brokerage about a disputed charge. This disputed charge was trans ref no XXXX, transacted XX/XX/2023 by a company identiied as XXXX XXXXXXXX for {$26.00}. Elan completely ignores these four communications with them. I will attach some of them
Product: Credit reporting

I 'm kindly requesting that someone please investigate Experian. This is my second letter to them and I 'm getting no results. There has been a bank error and I have attached proof to show. Furthermore, I do not believe that XXXX using their XXXX system conducted a proper investigation. 

Please see attached documents relating to the complaint
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX  XXXX XXXX, XXXX XXXX. XXXX  XXXX XXXX, GA XXXX Date : XX/XX/2021 Re : XXXX Dear Credit Representative : I am disputing the account stated above. Previously, I disputed this account information as being inaccurate, you have failed to verify that this is indeed my debt. 

I enclosed copies of my requests asking them to validate the debt. I was given no evidence of my obligation to pay this debt to this collection agency. This debt is not mine. 

The Fair Credit Reporting act requires you to verify the validity of this within 30 days. If the validity can not be verified, you are obligated by law to remove it from my credit file. I urge you to remove this account before I am forced to take legal action. 

In the event that you can not verify the item pursuant to FCRA, and you continue to report it on my credit, I will find it necessary to sue you for actual damages and declaratory relief. According to FCRA regulations, I may sue you in any qualified state or federal court, including small claims court in my area. 

I look forward to a swift and amicable resolution to this matter. 

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

Upon reviewing my consumer report I noticed a fraudulent account being reported and I was already a victim of fraud due to the Equifax data breach. the account below is fraudulent XXXX XXXX
Product: Student loan

I've attended XXXX XXXX XXXX College and also XXXX University. To be honest, I was XXXX to even take the money and didn't realize how high my payments, late fees, intererst would be. I've tried multiple times to show them that I now make good money, but I have a lot of expenses and I can't commit to a payment that's over {$400.00} per month. I'm willing to commit to something but I know if I commit to {$400.00} per month, it will still take me decades to pay off my debt, but if I get caught up in bind, I will be right back in this position down the road. My credit score was FINALLY getting back to around {$600.00} after working with my bank and doing well with a secured card. I was excited to go get a car from a dealership and not a buy here pay here place with a 30 % interest rate. Recently, my score dropped 50 POINTS because they decided to increase the balance again. PLEASE HELP ME GET THIS ON TRACK, THE INTEREST RATES, LATE FEES, AND PAYMENTS ARE TOO HIGH AND IT'S NOT FAIR!!
Product: Credit reporting or other personal consumer reports

RE : Social Security Number : XXXX This is my second time writing you to update my personal information. 
15 USC 1681 ( a ) ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : XXXX. My Full Legal Name : XXXX XXXX XXXX XXXX. My Address : XXXX XXXX XXXX XXXX, XXXX, GA, XXXX Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with the one above. 
I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. 
Delete all information in the employer section. 
Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections. 
Please send an updated credit report once the changes are complete to my contact information listed. 
My contact information is as follows : Name : XXXX XXXX XXXX XXXX : XXXX Address : XXXX XXXX XXXX Sincerely
Product: Debt collection

I have received repeated calls and mail from D & A Services to collect an alleged debt from XXXX XXXX XXXXXXXX. The company has made numerous calls before giving me a chance to dispute the debt. I have written to them by certified mail to inform them to communicate with me via US Postal Services ONLY. I have requested all related XXXX XXXX XXXXXXXX documents to review the alleged debt that D & A Services is trying to collect. These actions are causing me severe mental distress. 

Previously to receiving communications from D & A Services, XXXX XXXX XXXXXXXX made several phones per day to harass and cause mental distress. They intentionally contacted people who they thought knew me. All of these actions by both companies are mental terrorism.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/XXXX, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : XXXX XXXX - XXXX XXXX  - XX/XX/XXXX XXXXXXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. 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 XXXX as proof from the US Federal Trade Commission that all 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

My debt was sold to a third party and it does not show as paid. It is supposed to be shown as paid for less or paid since it was already paid when the debt was sold. Accounts- XXXX, capital one
Product: Debt collection

This company has reported a collection amount of {$460.00} to the credit bureaus and it is negatively impacting my credit. It is being reported as a past due balance and I do not know this company. I have never done business with this company. This company does not have a contract with my signature.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U.S.C 1681b ( c ) breach of my privacy rights I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a serious violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX