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

I was NEVER given a Deposit Account Agreement during account opening. The Deposit Account Agreement was never gone over with me. The Banker said the XXXX branch ran out and they needed to borrow some from the neighboring branch. US Bank doesnt give out account deposit agreements during account opening. US Bank please show me proof that I received one? Also please show me proof it was gone over in full to understand my rights? Yes I signed for a new account but not acknowledging what I received? US Bank just recently sent me one via email for the first time once US Bank committed a federal regulation error.
Product: Credit reporting or other personal consumer reports

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported on my Equifax.
Product: Credit reporting or other personal consumer reports

Kindly eliminate these inquiries ; I lack any information on them, and the company proceeded without my authorization.
Product: Credit reporting, credit repair services, or other personal consumer reports

Saw that there was an account I did n't recognize when I reviewed my credit report. XXXX XXXX XXXX. I sent them a request for validation to prove it was mine because I do n't recognize them. They never answered. I sent it registered - I have proof they received my letter. However they never sent me a reply - after 30 days I sent the original letter as well as my proof of delivery over to XXXX, experian, and XXXX. They should delete this as this is not my debt. They say they have investigated and that it is mine. But how is that XXXX XXXX XXXX has listed a debt, they wont send me any information, how in the world can the agencies validate it? This debt is not mine, and if they can not provide me documentation proving this debt is mine, it needs to be deleted immediately by experian, XXXX, and XXXX. I am very frustrated and the inability to resolve this. Perhaps I should hire a lawyer. I will attach documents.
Product: Debt collection

On   XXXX   XXXX  , 2017 I went to the emergency room and before I left I told them I had  XXXX . I did n't receive anything in the mail I just seen it as a derogatory on credit report. Arc Management Group shows {$1200.00} only on my   XXXX   report. Arc Management Group does n't even answer the phone number when I call.
Product: Credit reporting

Multiple inquiries are on my credit report and several duplicates that I did not authorize. These did not result in offers of job or credit. I sent requests to the credit bureaus and letters to businesses and the inquiries are still there. The credit bureaus said invalid dispute or verified inquiry.
Product: Credit reporting or other personal consumer reports

I have pulled my consumer report for the second time and I have noticed that XXXX and Transunion are both reporting innaccurate and unverified accounts on my consumer report. I have requested the names of the people responsible for verification of these accounts and what method was used to come to the determination. According to fcra consumer law it is my right to have this information IN WRITING! I would also like proof of the the original contract for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX both being reported by Transunion and XXXX!!!! I have no knowledge of these accounts and I am absolutely disgusted at the fact that this matter is being ignored after proper procedure being followed. This has caused severe XXXX XXXX XXXX  that my personal information has been allowed to be shared without my written consent and then put me in position to be threatened by debt collectors and unknown sources to garnish my wages or take me to court! Please fix this matter or respond in XXXX days!! Its already been past XXXX days that I have addressed this matter.
Product: Credit card

XX/XX/XXXX we submitted a claim against XXXX XXXX XXXX XXXXXXXX XXXX for a demand for refund which was promissed to us, which was well within the 60 days for ELECTRONIC FUNDS TRANSFER ACT. 

Chase did not even review any of the information we sent over denied our claim but we then reapplied to reopen the claim, as they submitted our initial response incorrectly. the information we supplied them with was receipts from the purchase, proof of refund receipts from the company complaints with the State attorney general of new jersey and FTC fraud complaints in the amount of XXXX for the claim. all screens shots of conversations. 

Chase bank now has wasted over 9 months denying me my rights and now I am in a position where I'm entitled to damages, and being discriminated against, and I'm now entitled to pecuniary damages since the account never settled, this is extremely distressing and im going through extreme mental anguish for almost a YEAR with this ordeal, non- of the agents or chase have assisted in resolving this matter they are simply stating we are at fault, and with this Accusation this is defamation and we are still waiting 15 days after our last response with chase 3-4 hours on the phone to no avail. 

This is a clear violation of my CONSUMER RIGHTS and I will seek damages for chases unwillingness to resolve this immediately. 

They are failing in there fiduciary duties to protect me the consumer against such fraud, and has shown a pattern of non-compliance for over 9 months of non-response, and dishonoring my claim and me. 





from STATE ATTORNEY GENERAL From : XXXX XXXX XXXX Sent : Saturday, XX/XX/XXXX XXXX XXXX  To : XXXX XXXX XXXX Subject : Requested information. 



From : XXXX XXXX XXXX Date : Tuesday, XX/XX/XXXX at XXXX XXXX  To : XXXX XXXX Subject : Refund for Passed Challenge XX/XX/XXXX Hello XXXX, My account qualifies for refund, as stated from XXXX chat, let me know If I need to pull up the chat history. 

XXXX bought after XXXX did not qualify XXXX bought Before qualified, as was stated by your administrative team. 

I passed my account not a third passing service and would like to have this amount refunded to my account within a reasonable time frame. 

Ive attached the following requested information needed to process refund to my credit card. 
Thank you
Product: Credit reporting or other personal consumer reports

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXXAccount name XXXX XXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXX XXXX XXXX Account name : XXXX Dept of ED  XXXX XXXX  Account name : XXXXXXXX XXXX XXXX XXXX Account name : XXXX XXXXXXXX XXXX XXXX XXXX Account name XXXX US Dept. of Education/ XXXX XXXX, has violated my rights. I looked at my Transunion credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 they are suppose to 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: Mortgage

Chase bank bought my mortgage right before I was to pay it off.
My wife died the financial crisis was on and Chase sent me a bill to my address for a different house. They claimed they owned my mortgage but I told them it was the wrong mortgage. The amount i owed was wrong, the id number was wrong. I made double payments the first two years of the loan, we had payed it down to {$50000.00}. So 9 years ago they said I owed more than {$15000.00} by more than double. I tried to refinance several years ago to get some money out so they could fix their error but they gave the money to themselves so I cancelled the refinance. but they went on with it like I didnt refinance the house. last year they started double withdrawing even if i paid it externally. The chase bank representative said to let the automatic withdraw remove the money. So I listened to him. Then I noticed that they were n't auto withdrawing. They said it was paid off at another Chase Bank so I thought they corrected the error. No they started sending me letters from a XXXX XXXX XXXX. Saying I owed them {$40000.00}. No way I would owe them less than {$5000.00}. Ive called them several times, they keep asking about a credit card. I put a stipulation 6 years ago that I could never have a credit card because a false application came across, now they are saying Im owing for a credit card I gave them instructions not to allow, so they refuse to talk to me about my mortgage. And now they are foreclosing on my house. I think its because Im a veteran. please help!
Product: Credit reporting 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 accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX LEALAND XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX Balance : {$260.00} XXXX XXXX Balance : {$9.00} XXXX XXXX  XXXX Balance : {$53.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$250.00} XXXX XXXX XXXX Balance : {$16000.00} XXXX XXXX XXXX XXXX {$39.00} XXXX XXXX Balance : {$11.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$250.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX BV XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX  XXXX XXXX : {$16000.00} XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$720.00} XXXX XXXX XXXX XXXX  XX/XX/XXXX.
Product: Mortgage

My mortgage is in forebearance for XX/XX/2020 with the CARES ACT OF 2020, yet Rocket Mortgage is making me pay them anyway. How can that be legal?
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several closed Charged off accounts on all 3 Credit Reports Transunion. XXXX. XXXX. The Accounts have been Charged off and Closed for 5 years Ive Disputed with Open Dates that are Inaccurate on all 3 Credit Reports and the Balance with Proof and they only update my Credit Report the Accounts should be Deleted due to inaccurate information and Falsely reporting On My Accounts. They are stating I cant Dispute these accounts No longer It is illegal to Report Inaccurate information according to the FCRA XXXX XXXX XXXX  XXXX XXXX XXXX XXXX. XXXX
Product: Credit reporting or other personal consumer reports

I have been a victim of identity theft. Lexis Nexis is reporting a bankruptcy on my credit that does not belong to me. I have disputed the item with Lexis and filed various complaints. Lexis has hired XXXXXXXX XXXX XXXXXXXX to represent them in this matter. XXXX lawyer sent me a copy of what XXXX is showing ( see attached ) and has represented to me that the XXXX report is the original data supplied to Lexis. There are major issues that need to be resolved. In addition, attached is a screenshot of what information is being reported by each bureau based on the information provided by Lexis. ( see attached ) 1. Look at the XXXX  document, the full social security number is not listed, Thus how can this item be attributed to me without a full social security number. 
XXXX. Look at the XXXX document and under status it is blank. However under the XXXX bureaus the status is filed. Which is it? We will never know because it was not properly verified, if it was it would report the same across the board. 
XXXX. The XXXX  document, XXXX and XXXX report the date of filing as XX/XX/year>. However, XXXX shows the filing date as XX/XX/year>. Which is it? We will never know because it was not properly verified, if it was it would report the same across the board. 
XXXX. XXXX and the XXXX document shows the XXXX XXXX XXXX XXXX XXXX  for the XXXX XXXXXXXX XXXX XXXX XXXX However, XXXX shows the Court as Federal and XXXX shows the court as XXXXXXXX XXXX XXXXXXXX. Which is it? We will never know because it was not properly verified, if it was it would report the same across the board. 
XXXX. Under reference/case number the XXXX  document shows XXXX, XXXX shows XXXX, XXXX shows XXXX and XXXX shows XXXX. Which is it? We will never know because it was not properly verified, if it was it would report the same across the board.
Product: Credit reporting or other personal consumer reports

I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within XXXX XXXX of your investigation, these accounts and the related information must be removed from my credit report.

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and may be the result of identity theft or other illegal activities. Attempting to enforce these fraudulent accounts is unlawful. I request that you expedite your investigation to prevent further harm, losses, or damages that I may suffer as a victim of identity theft. 

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of 1974. Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is still inaccurately reporting bad data, and its been confirmed with the entity/credit card Co. that they do not show any missed payments. Still, Experian continues to show them as late causing major financial issues. This credit card company continues to say it is an Experian issue and not theirs.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  XXXX XXXX Account XXXX Information on this item has been updated. Please review your report for the details. 
Show Details | View your Report | View your XXXX XXXX Updated + 'icon ' Updated XXXX  Account XXXX The company that reported the information has certified to XXXX that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. 
View your Report | View your credit score Remains + 'icon ' Deleted + 'icon ' Deleted XXXX XXXX Account XXXX The company that reported the information has certified to XXXX  that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. 
View your Report | View your credit score Remains + 'icon ' Remains FTC was filed address was wrong took more than 30 days even law with covid gives creditors 45 days has past those violations in DAYs Fcra said if items are not 100 % accurate which I have proved in previous disputed items how can the above creditors deem this CORRECT
Product: Money transfer, virtual currency, or money service

Received an email stating I authorized a transaction from XXXX to CoinBase Inc processes my order transaction I.D . XXXX Merchant https : //CoinBase.com/help Phone us to cancel XXXX ( XXXX ) XXXX XXXX Purchase amount {$790.00} USD You have 180 days from the date of the transaction to open a dispute in the Resolution Center. 

I did not call those numbers.. I have no idea what this is about. I have NEVER had any dealings or made any request from CoinBase Inc.
Product: Payday loan, title loan, or personal loan

On or about XX/XX/2022 I had a credit availability of close to {$1700.00} and now there is no availability, but I have been paying everything on time and paid off some loans early. They are discriminating against how to get credit to make large purchases.
Product: Credit reporting or other personal consumer reports

I am not going to go into full details for the files below is detailed. Due to my response being posted publicly I will briefly make this statement short and clear. I am facing identity theft right now. My identity has been stolen and used without my permission. I am in the process of building my credit as a upcoming XXXX  adult. The following accounts are fraudulent and needs to be erased it isn't fair how someone can cause such defamation to not only your report but your character as if you aren't responsible. Help me fight these collections off that doesn't belong to me.
Product: Debt collection

I get alerts that my credit scores went down and upon checking a collection debt of XXXX XXXX was reported when I called they said it was from a XXXX XXXX XXXX who was a former employee at the same company I work. Since he did not pay his XXXX bill to XXXXXXXX XXXX  they put it on my account. without my permission XXXX must have used my name, cell phone number and work number as a reference. I dont understand how this winds up on my credit score. I had absolutely nothing to do with this.
Product: Credit reporting or other personal consumer reports

I hope this letter finds you well. I am writing to express my ongoing concern regarding an identity theft issue I reported in my initial letter dated XX/XX/2023. Unfortunately, the matter has not been resolved despite my efforts, and I am experiencing financial repercussions due to the prolonged delay. Here is my previous claim number XXXX. 

I have diligently followed the necessary procedures to fix this situation, but the lack of resolution within the past 90 days has prompted me to seek more help. According to my research, given the circumstances surrounding this identity theft case, I am entitled to compensation and data removal. 

I request a thorough review of my claim and a swift resolution to alleviate the financial strain I am currently facing. I would greatly appreciate your attention to this matter, and I am hopeful for a quick and positive outcome. 

Thank you for your time and assistance.
Product: Debt collection

Company is in violation of HIPPA. What's frivolous and baseless is the fact the company is lying that they couldn't get a hold of me ( they have my address and all communication ), they actually told me to cease communication with them ( how is that possible if they told me they didn't know how to reach me ), and they're still in violation of HIPPA because they have my medical records and list of procedures done.

Since the debt is beyond the statute of limitations, it is no longer mine and therefore, it should not be reported on my credit report. I will amend my credit reporting history to let all of the bureaus know of the harmful tactics of Collection Consultants.
Product: Credit reporting, credit repair services, or other personal consumer reports

I already send all the proof to XXXX  and 800 loanmart about all the wrong information that they have on my report, I dispute this with proof and XXXX complete the dispute with out any change on this account, when I called XXXX, said that they didn't change this information because 800 loanmart said that this account still open, How a credit bureau can said that after all the proof that I send, the account can still open like they said, but why they have this account with 2 years without data report it from loanmart? I need this issue to be fix or I will open a case with a lawyer, NO credit bureau can have inaccurate information by law. I hope to have a respond a soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information or items which do not belong to me. 
Please remove these items : XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Balance : {$150.00} XXXX XXXX XXXX XXXX Balance : {$7900.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  XX/XX/XXXX