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

I was looking at my credit report today XX/XX/2020 because I'm thinking of refinancing my mortgage soon, however, I saw XXXX accounts that aren't mine. The accounts are from XXXX XXXX  XXXX for {$140.00} and XXXX XXXX for {$550.00}. I did not open those accounts nod am I affiliated to those companies in any way. I have never allowed anyone to open these accounts using my personal information nor did I benefit anything from these accounts such as money, goods, services or anything else and I did not have anything to do with any payments that might have been made towards these accounts. I have filed a police report as well as a complaint with the Consumer Financial Protection Bureau regarding these unauthorized accounts.
Product: Checking or savings account

I requested a Chexsystems report because I've been declined several times when trying to open an account with different financial institutions. I don't understand why my account is in Chexsystems when I paid off ( {$260.00} ) the XXXX XXXX XXXX   claim XX/XX/XXXX and the XXXX claim was closed XX/XX/XXXX also I don't even recall this debt. But if it takes me to pay the questionable ( {$110.00} ) to get out of XXXX I'll pay it. But what happens next, is the any other steps for me to take?, or will this release me from your system? If you release me how long is it before all the financial institutions are made aware so I can open accounts? Please help? 

Both institutions advised me it's our off their hands, and there's nothing they can do to help me.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report and I noticed your furnishing an account on my consumer report that should not be on there. I DEMAND the below accounts be deleted from my consumer report. I AM NOT ASKING FOR THEM TO BE VERIFIED. 
Account : XXXX Account Number : XXXX Account : XXXX Account Number XXXX XXXX The reporting of these account ( s ) is/are violations of 15 USC 1681a, The Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; So let me explain. Under the Truth in Lending Act 15 USC 1602 ( g ), credit card is defined as the following : The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. This makes my social security card, drivers license/ID, and license plate credit cards that are/were used for the extension of credit. I demand this account be deleted from my consumer report. Best regards
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, On [ XX/XX/year> I dispute XXXX XXXX I was informed on [ XX/XX/XXXX that the item was deleted from my credit report. 
Now I have discovered that the item has been reinserted on my credit report. 
In accordance with the requirements of the FCRA section XXXX ( a ) ( XXXX ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing within XXXX business days. 
( B ) Requirements relating to reinsertion of previously deleted material ( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than XXXX business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. 
I received no such notification. This is a very serious violation of the FCRA, and I reserve the right to pursue legal action for your blatant disregard for the law. 
I hereby demand that you immediately delete the item from my credit report in order to avoid legal action. 
I am submitting this complaint separately to the Consumer Financial Protection Bureau, the XXXX XXXX XXXX, and the XXXX. 
Please govern yourself accordingly.
Product: Credit reporting or other personal consumer reports

I'm disappointed by your claims & am rejecting on the basis that you lack any material fact to support your claim... Please DISPUTE THESE ACCOUNTS! Or I will be seeking a legal remedy from you. Frustration, distress, annoyance, and outright anger. These emotions stem from the painstakingly slow response and the repeated denial of my identity theft claim by your bureau. Let 's be clear ; this situation is nothing short of a nightmare. I've been grappling with unauthorized accounts and transactions, and the toll it has taken on my financial well-being and peace of mind is immeasurable. The emotional rollercoaster I've endured is beyond distressing. DEPT OF EDUCATIONXXXX XXXX, DEPT OF EDUCATIONXXXX XXXX XXXX DEPT OF EDUCATIONXXXX XXXX XXXX DEPT OF EDUCATIONXXXX XXXX, DEPT OF EDUCATIONXXXX XXXX, DEPT OF EDUCATIONXXXX XXXX XXXX and DEPT OF EDUCATIONXXXX XXXX XXXX Please remove these accounts ASAP.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXXXXXX XXXX XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX  # XXXX 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 # XXXX Account Name : XXXX XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX  NA # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX  # XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX NA XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX RESIDENT VERIFY XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Debt collection

I disputed the debt ( auto loan ) and sent a debt validation letter XXXX different times to Chrysler Capital, they did not respond to either request with any proof, instead they closed the account and / or wrote the debt off XX/XX/XXXX. XX/XX/XXXX I woke up to find my automobile missing from my families drive way. I called the police to report it missing and they informed me that it had been repossessed. I told the officer i spoke with that it should n't have been repo 'd and wanted to report it as stolen. He then said that he would contact the company and find out what was going on and call me back. He called me back with a number for a company called XXXX XXXX XXXX out of XXXX. I called this place and they said I had to pay them money before they would release my automobile to me, I then stated that they were n't the original creditor, and that the original creditor closed the account and the debt was written off in XX/XX/XXXX, and they stole my automobile. I then asked them to provide me with a contract or documents stating that I owed them money, the guy said they did n't have to provide me with any contract or documentation and that I would have to call the original creditor. So I called Chrysler Capital and was XXXX told they could n't find the account, I then requested a manager who stated that I still owed the debt even if it was written off and the account was closed that 's why my automobile was taken. I then informed them that I would be contacting other people about this because nobody had any right to take my automobile. At this point I had no knowledge who took it or where it was taken. XX/XX/XXXX am. I called the non-emergency sheriff 's number and asked how I go about making an official theft complaint, the dispatcher took my number and said she would have an officer call me. I got the call and it came from the same officer I had spoken to the day before. He said that he could not make a theft report because it was n't stolen that the bank wanted their car back so it was repossessed. I told him it was taken by a XXXX party debt collector illegally, and asked him if he knew who took it and where they took it. He stated that he did n't know. I requested the Police Report and picked it up later in the day, and found out that a company named XXXX XXXX out of XXXX actually took my automobile at the direction of XXXX XXXX XXXX who stated that Chrysler Financial gave the repo order. even though the debt was written off and the account was closed. XXXX XXXX XXXX refused to release my automobile until I pay them money. I do not have any contract with XXXX XXXX XXXX or XXXX XXXX and I do not owe either of them any money.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX, XXXX, XXXX XXXX XXXX, AND DEPT OF ED/XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX AND XXXX MONTHS REPORTING LATE ) to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX, XXXX, XXXX XXXX XXXX, AND DEPT OF ED/XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). 

I have requested proof that this information was mailed or delivered XXXX days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Debt collection

In XX/XX/XXXX I closed an account with XXXX. I paid all monies due and returned all equipment to the company. XXXX then sent my account to collections with out notifying me. I informed the collections agency that all monies were paid. in XX/XX/XXXX diversified consultants put on my credit an collection for XX/XX/XXXX. this information inaccurate for two reasons 1. the account is paid in full. 2. the account was charged off in XX/XX/XXXX. the FCRA sec 623 says that an company has 30 to notify me before putting anything in regards to my character on any consumer reporting agency. to report a new account on an old debt is also against FCRA. diversified consultants, during our conversation explained that they knew the account was was closed in XX/XX/XXXX and charged off, however still reported it as a fresh debt, a significant violation of the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Experian and XXXX failed to do a proper investigation regarding XXXX XXXX XXXX, and as a result kept it in on my report. By failing to do so, they behaved illegally by breaking Federal laws. XXXX XXXX XXXX committed identity theft by having it reported to all three bureaus by claiming I owe this debt when this isn't the case.
Product: Credit reporting or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefor exists. In requesting documentation none was provided. Due to identity theft this should be removed. All of the addresses associated with this account is not my address nor does this company have a signed document by me.
Product: Credit reporting or other personal consumer reports

Navient incorrectly reporting and falsifying students loans contract, please remove the balance from my credit report
Product: Credit reporting

on XXXX XXXX upon reviewing my credit report i read that XXXX XXXX is reporting a negative to both transunion and XXXX. I mailed a dispute letter via certified mail on XXXX XXXX to XXXX XXXX using the address from the Transunion report. Weeks later i recieved the letter back marked undeliverable unable to forward and the company moved 20 years ago. I mailed the copy of the envelope and letter to both experian and transunion requesting them to delete for improper reporting and practices on XXXX XXXX via cerified mail. XXXX responded with a letter stating " updated '' and giving me the correct address. I have not receive anything from Transunion and the remark still shows in my report.
Product: Credit card

I paid my last month 's statement ( XX/XX/2023 ) in full. Through the website there is an option to pay in full. Since I paid the statement in full the Automatic payment I had scheduled was offered to cancel and initiated by Capital One. However this left me with a shortfall, which triggered additional interest accrued on the next statement. 

I tried several times to resolve over the phone and the company refused to credit me. There website is deceptive and unfair and predatory.
Product: Credit reporting or other personal consumer reports

ON MY CREDIT REPORTS THERE IS INACCURATE INFORMATION THAT MUST BE REMOVED IMMEDIATELY. I AM ATTACHING WHAT I SENT TO THE THREE CREDIT BUREAUS. THE INACCURATE ACCOUNTS ARE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX   XXXX   on  XXXX   XXXX   XXXX  &  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   (    XXXX   XXXX   XXXX   XXXX   )  XXXX   XXXX  &  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  &  XXXX   XXXX   XXXX  I HAD SENT IN DISPUTE STATING I DID NOT AUTHORIZED IT AS WELL WITH A POLICE REPORT AND WAS TOLD NOTHING COULD BE DONE ABOUT IT EVEN THOUGH IT WAS FRAUD AND IT WAS NOT AUTHORIZED THERE WAS ALSO AN ISSUE WITH  XXXX   XXXX  I WAS VICTIM OF THEIR INQUIRY ISSUE THEY HAD SOMETIME DURING  XXXX  WHICH SOME OF THE DATES ARE INCLUDED ON THE TOP. ALSO   XXXX    XXXX   XXXX   XXXX  &  XXXX  ON  XXXX   XXXX   XXXX  AS WELL AS  XXXX   XXXX   XXXX  MY POLICE REPORT NUMBER IS  XXXX  FOR  XXXX   XXXX   XXXX
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. 

Account Name : XXXX Account Number : XXXX Account Name : Chapter 7 Bankruptcy Account Number : XXXX and 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 reporting, credit repair services, or other personal consumer reports

This account are reported inaccurately because if you will check the report it shows that the dates, payment histories and other information are different across the reporting agencies.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Incorrect Information in Credit Report To Whom It XXXX Concern, I XXXX XXXX XXXX am writing to dispute the following information on my credit report. I have reviewed my credit report from NCB MANAGEMENT XXXX XXXX and found inaccurate information that I believe needs to be corrected under the Fair Credit Reporting Act ( FCRA ). 

The items I am disputing are : XXXX. Account # : XXXX This account is showing an incorrect balance its showing {$18000.00} charged off when I requested a bill of sale. 
I have never opened an account with this creditor. I dont have the purchase agreement with NCB MANAGEMENT SERVICES. How did they validate this debt? 
The bill of sale is showing me a completely different number than the repo collection thats reporting. Thats a violation. XXXX is showing {$18000.00} charged off and the bill of sale is showing {$12000.00} as of XX/XX/year>. Either they update the repo collection on my credit report or delete it. 
XXXX is showing a balance of {$0.00}. 
XXXX is also showing a balance of {$0.00}. Please delete this inaccurate account off my credit report. 
I have attached copies of my credit report and any relevant documents ( such as payment records, letters from the creditor, or identity theft report ) to support my position. Please reinvest
Product: Debt collection

I have been trying to get validation of the such debit. I have contacted the credit bureaus to send me proof that the debit is mine and still havent recieved original contracts with my signature on it that took our these loans. They have hurt my credit score and I'm not able to get credit under my name.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ). 
the documents needed, a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to XXXX Bondage Final Rule 1002.142 ( b ) ( 4 ) - ( 5 ) -..- 1002.142 ( b ) ( 7 ). 
I have provided my photo ID along with the other required documents. I kindly request that you block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the LAW. Which I have provided all of my documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 )
Product: Credit card or prepaid card

I got my credit pulled to apply for a personal loan and was told that I had several credit accounts on my credit report. I was alarmed because I never applied for credit at any of these companies. When this person showed me the companies listed, I immediately knew that I was a victim of Identity theft. I went to the police department and filed a fraud and identity theft report on these companies. Montgomery wards, seventh avenue, XXXX XXXX XXXX and an XXXXXXXX XXXX  XXXX cellular account. I never applied to any of these companies.
Product: Checking or savings account

I have been having issues with the business practices of Chase Bank for the last 3 years. Most recently a mortgage payment was returned. I did not receive any notice and the entire transaction is not listed on any statements. I made an in branch appointment only to be called by the branch manager prior to see exactly what I was needed an in person visit for. And again when I entered the building. The employee I was to meet was unavailable so I was assisted with another employee who was in fact able to verify the payment was returned but could not give explanation as to why I did not receive notice. My account balance changes sometimes XXXX times daily, I now screenshot the morning balance and closing balance due to how my checking account gets handled, for instance payments or checks have incurred NSF fees for being posted XXXX with payments credited to account minutes later. Some payments post mid day and incurred fees not even having account negative for XXXX. When asked for refund of fees, I am told I have surpassed the allotted refund policy even with this technicality. 
I have also had the unfortunate tasks of filing an FTC ID Theft complaint, due to having medical ID theft of my deceased mother with my contact information in XXXX. Most recently I have had to dispute a background check XX/XX/XXXX that lists I use an aliases. I completely blame the actions, biased nature, and total negligence of Chase Bank who intentionally gave personal information to conflicted officials. Without proper authorization. I was able to confirm through county records and social media that there is direct relation to the officials and perpetrator using personal information that Chase was responsible for. The fact that the XXXX employees who collaborated in the release of information that was incorrect is totally baffling to me. Receiving calls from a bank with threatening tones telling you to stop calling on accounts you hold and wanting information that now will not confirm or deny is unsatisfactory. Chase Bank Id like you to explain. And please use the same protocol you have not afforded me, put it all in writing and apply all of State and Federal regulations for your actions and or lack thereof.
Product: Credit reporting or other personal consumer reports

These 6 items that are negatively reporting on my TRANSUNION credit report ( SEE ATTACHED ) are fraudulent, inaccurate, and unverifiable. ( SEE ATTACHED )
Product: Debt collection

This company is biased, I have a joint auto loan with this company XXXX XXXX XXXX XXXX, with my husband. They reported on his credit report paid on time. But on my credit report they only report when I am late. My husband checked his credit report and they reported him paid on time and on my credit report its showing late after making my payment at the same time as my husband, thats the point of a joint account it gets paid the same time coming out of our shared accounts. 


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

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to 3 Bureaus was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following items listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX