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

XX/XX/XXXX I sent XXXX XXXX letter asking them to provide me with original documentation from two companies ( XXXX XXXX XXXX and XXXX/XXXX  ). They responded to my dispute in a timely manner ( XX/XX/XXXX ), however they did not provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) or promptly delete inaccurate information as it states under Section 611 ( 5 ) ( A ) of the FCRA. Their response was " The company that reported the information has certified to XXXX  that the information is accurate. '' XX/XX/XXXX, I received a letter from XXXX XXXX XXXX, in response to the XXXX letter from XXXX, stating they were unable to locate my account because the credit bureau doesn't disclose the full account information and asked me to help verify the debt for them. I sent this letter to XXXX  and ask them their methods of verifying the accounts and how was this account verified if XXXX couldn't verify it. How can they certify to XXXX that the information is accurate. XXXX didn't respond. 

XXXX XXXX, I received a letter from XXXX XXXX XXXX in regards to the XXXX/XXXX account that is reporting on my report. Included was a letter from XXXX stated that the account was sold to XXXX XXXX XXXX and I should address my concerns with them. XXXX XXXX XXXX told me they received and processed my dispute ( XXXX letter ) and the information is accurate. Failing to provide me with a original contractual agreement that I am obligated to pay the balance that they say I owe. They sent me information that can be publicly access through my credit report, via permissible authorization because they're a collection agency. 

All parties have FAILED to provide me with the information I asked for which is : Original physical documentation that proves that I owe the debt : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service : These are violations Violation of the Fair Credit Reporting Act and Violation of the Fair Debt Collection Practices Act and as a consumer I am highly upset and offended that these companies do not take the law very seriously.
Product: Credit card or prepaid card

Hello, I have had credit cards with Chase bank for many years and never had a problem. For security reasons, I have always had automated services for every single charge in my credit cards. 

On XX/XX/XXXX at XXXX XXXX, i received an automated text message inquiring if a charge of {$7700.00} was processed. I immediately answered NO and declined the transaction. Following, I went to the online site and disputed the charges. The Merchant was " XXXX XXXX  ''. I did not know if it was a real company or not. I asked for a new card. 

2 months later, I saw the balance back in my account. I was very surprised and called Chase. They stated their investigations confirmed that was an approved transaction. I was impressed as I had rejected it since the very beginning and disputed it. I appealed. They asked me to call the Merchant. The Merchant did not recognize me or any family member. We were not registered in their database and did not want to see the specific transaction on the date or time. They can not find a confirmation. 

Now, chase is asking me to pay.
Product: Debt collection

I notice that I have some errors in my credit reports and it keeps me annoyed, I want you to remove this fraudulent account asap. 
CREDIT COLL ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX  ), balance is {$740.00}, and account # XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Around or before XX/XX/2020 I started receiving emails stating that I had outstanding approval odds for credit cards from XXXX XXXX and XXXX XXXXXXXX. Since XX/XX/2020 I have applied more than maybe 20 times and has gotten denied every time. There is no law that requires me to have an actual credit score to obtain a credit card. Credit is defined as the right granted however, XXXX XXXX discriminated against me by having harmful policies set in place to keep minorities at a disadvantage. This caused multiple inquiries on my consumer report that I did not benefit from. Furthermore, XXXX XXXX and XXXX XXXX made several inquiries on myconsumerreport causingmy score and credit report to be damaged.I now reject your many adverse action and denial offers. I am covered and 100 % protected as a consumer.WHY do these companies feel I do not qualify? Because I'm XXXX XXXX? I have reason to believe that these companies are converting my application ( XXXX ) into currency by selling my nonpublic information. XXXX XXXX and XXXX XXXX are obtaining my nonpublic personal information to benefit financially rather than honoring an extension of credit in good faith. In reality, this constitutes aggravated identity theft.The several denials XXXX XXXX offered violates 15 USC 1602 and and 15 USC 1691. XXXX  XXXX harmful application and/or underwriting discriminates against the low-income community.These companies knowingly execute these deceptivepractices keepingminorities at a disadvantage. I was supposed to receive an explanation as to how to opt out of reporting these negative marks. I have not received that explanation. Iam unable to obtain an automobile or mortgage for my family due to a damaged credit report. Furthermore, I am discouraged toeven apply for a line of credit due XXXX XXXX and XXXX XXXX, dishonest, and false actions. Preapproved should mean just as it sounds Approved before applying! Telling consumers they have outstanding odds when they dont is deceptive and misleading!! Experian, XXXX, and XXXX are not to be excluded from my complaint either. These three companies also used my credit report improperly by allowing XXXX XXXX and XXXX XXXX to furnish fraudulent inquries on more than one occasion when they knew or should have known that I would not benefit from the transaction, again causing my report to be damaged as well. The national consumer reporting agencies also should have known that this was a deceptive prace when there was a 0 accounts opened by the companies that requested my report. All companies mentioned in this complaint lack integrity! I am an honest consumer who does not deserve to be mistreated for these companies to benefit a few dollars. I should not be discriminated against based off the XXXX of my XXXX  or any other financial hardship I have experienced because EVERYONE falls on hard times. I am filing this complaint to ensure accountability because I strongly believe these companies benefited from these transactions when I did not in any way.
Product: Vehicle loan or lease

Greetings. XXXX forgive me for taking out a car loan when I KNEW better. I was pressured emotionally in this loan by XXXX XXXX XXXX when I took my other car in just for an oil change. I'm now and then grossing {$1500.00} per month with a {$700.00} car loan. How were they ABLE to approve such a car loan on that amount of income with a 29 % interest rate? I HAD GOOD credit then and GOOD credit now and didn't NEED a " Second time around lender ''. After speaking to the Executive Department XX/XX/XXXX they had the asked me if I still HAD the vehicle in my possession. I legally do have the vehicle attached to my name and credit report and IN my possession... '' Yes ''. What am I supposed to do RETURN it so I can joyfully " ACCEPT '' a voluntary repossession on my credit report? No... NOT gon na happen. Well... when did this car loan BECOME a problem Ms. XXXX? It BECAME a problem when XXXX went through XXXX  last year in XXXX and every month for 11 months. Starting in XX/XX/XXXX, I called into Santander requesting an extension and was actually granted them " Thank you Santander ''. Now this is where it gets ugly ... After stumbling amongst the lawsuit during the last week of XX/XX/XXXX I reached out to Santander and they told me to speak to XXXX XXXX. I spoke to XXXX over at XXXX Consulting for 30 minutes and he actually apologized that Santander DIDNT ADD me to their data base contingent upon my financial situation. I spoke to a Lawyer about my case and they advised me to just communicate and see what position Santander is WILLING to take. Well on XX/XX/XXXX XXXX in the Executive Department stated that Santander is a " second time around lender '' and good luck Ms. XXXX. Wait! What? I told them then what were my options by which to be added to the data base and because I still HAD my vehicle I wasn't qualified. Okay how about I just drop the vehicle off at the car lot and hope to XXXX they better NOT place a volunteer repossession on my credit report! Basically Santander knew they were in VIOLATION of consumer protection laws of high levels of risk with a high probability of default when they issued this loan! And NOW is the time to FACE the Piper! Either LOAN FORGIVENESS or be prepared to PAY ALOT more in Litigation because I wont stop until it reaches the President of the United States of America.
Product: Credit reporting or other personal consumer reports

I have had multiple hard inquiries on my credit from capital one, where I have never done business. I had made an earlier dispute about this same issue but I guess it didnt do anything because capital one is still hard inquiring my credit for no reason whatsoever. Also Im now getting multiple false hard inquiries from XXXX even though I havent had a credit card with them, or applied for any credit ever with them. I just recently last month ( XX/XX/XXXX ) got an XXXX XXXX credit card which is issued by XXXX so I would expect one hard inquiry but I have one dated back in XXXX and another one from the XXXX of this year, both of which are completely bogus. I have also noticed soft inquires from capitol one, EVEN THOUGH I DONT DO BUSINESS WITH THEM. I dont understand how theyre still able to hard inquire my credit after the last dispute I had filed this is ridiculous. I believe someone has to be using my personal information for this to be happening. I have also filed multiple disputes with XXXX for never before seen phone numbers and addresses added to my credit report which is very worrisome for me. I am going to file a police report about this also and see if I might need legal help. I contacted XXXX yesterday and put a fraud alert on my credit and removed the fraudulent credit inquiries. I want to make sure its removed with all three of the credit bureaus, and that this doesnt keep happening. I am attaching a photo my my XXXX dispute results which shows the multiple hard inquiries and personal phone number that I had never seen or authorized.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying for over 3 years to get XXXX, Transunion, and XXXX, to remove a collection account that has been closed they refuse to close it and continue to leave them on my report everytime I disputed an item after the dispute is done my score goes down as much as 22 points
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( XXXX ) ( A ) and 611 ( a ) ( XXXX ) require the Equifax credit bureau to validate this account ( A ). This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law.It is not permissible to fail to validate these reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and delete XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. XXXX XXXX # XXXX, XXXX XXXXXXXX # XXXX, XXXX XXXXXXXX # XXXX, XXXX # XXXX, XXXX XXXX XXXX  # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX # XXXX, Has violated my rights.

15 U.S.C 1681 section 602A 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 consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 5th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. Here are the list of items that needs attention : XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$7300.00} XXXX XXXX  XXXX XXXX XX/XX/XXXX
Product: Debt collection

XXXX   XXXX   XXXX   XXXX , GA  XXXX  (  XXXX   )   XXXX  4819 Reporting  to credi  XXXX / XXXX / 2017 . Negative impact to my credit by  JC & Assoc.      I requested validity of debt, including signatures, medical records , HIPAA fo r, to release information to this company and valid contracts  XXXX /2017. I have not received a response.
Product: Mortgage

My mortgage was recently transferred from XXXX mortgage to Truist, I was informed over the phone that Truist does not allow recurring payments to be setup from external bank accounts. They told me they only allow recurring payments from Truist bank accounts. 

On their website, when I try to setup an recurring payment from an external bank account - that functionality has been disabled.
Product: Checking or savings account

The bank increased the negative amount on the account after reversing disputed transactions. These transactions were disputed on the basis that I cancelled the membership and keep receiving charges. However upon a deposit being credited to the account the negative balance increased. They failed to deposit the amount and placed {$0.00} but the employers name. 

They are praying on XXXX and XXXX XXXX  to steal funding and manipulate the balance ledger. They have been stealing my money for years and I've been watching it randomly disappear.
Product: Debt collection

I have NO knowledge of this Bank /debt. 
I have NOT opened this account. 

XXXX XXXX/Account Details Last Reported XX/XX/XXXX Creditor Name XXXX XXXX   Account Type Line of Credit Account Status Closed - Derogatory Opened Date XX/XX/XXXX Closed Date XX/XX/XXXX Limit -- Term -- Monthly Payment {$0.00} Responsibility Individual Balance {$210.00} Highest Balance {$210.00} Payment Status Collection/Charge-Off Worst Payment Status Unknown Date of Last Payment XX/XX/XXXX Amount Past Due {$210.00} Times 30/60/90 Days Late 0/0/0 Remarks Charged off as bad debt Profit and loss write-off Payment History Latest Status : Collection/Charge-Off No payment history has been reported by this creditor
Product: Credit reporting or other personal consumer reports

Asurint XXXX XXXX XXXX XXXX, OH XXXX Attention : Compliance Dept My name is XXXX XXXX, and I reside at XXXX XXXX XXXX XXXX, XXXX, TX XXXX. 
My SSN # XXXX. Date of Birth is XX/XX/year>. 
My phone number is XXXX and email address is XXXX I am providing you with a copy of my driver license and a recent utility bill for your immediate review. 
The reason why you are receiving this correspondence is because I do not want your organization to release, disclosed Debt Information to any credit Bureaus or reporting agencies. I do not consent or give permission for your organization to release any information in regards to my credit profile.

I want to opt-out of my information being shared and I personally request that a security freeze be placed on my credit profile within 30 days of receipt of this correspondence. 
I have notified XXXX, XXXX and XXXX regarding a security freeze on my profile. I strongly request that your company take immediate action towards my initial request to Opt-Out and place a Security Freeze. 
I declare, under penalty of law, that to the best of my knowledge, the information supplied above, and all accompanying information is true and correct.
Product: Credit reporting or other personal consumer reports

I spotted XXXX did a soft pull without my permission. 

Address of the inquiry is XXXX XXXX XXXX XXXX, VA XXXX
Product: Checking or savings account

On XX/XX/2021, XXXX XXXX in Colorado requested XXXX and XXXX Bank Statements from my son, XXXX XXXX, for a current home loan transaction. Upon receipt of the statements, the lender rep ( XXXX XXXX ) contacted XXXX regarding the " Undisclosed Account funds ''. XXXX contacted me immediately and we found that Chase ( in error ) had attached XXXX as an authorized user on MY Premiere Savings Account. This is my most private and sensitive account. XXXX was NEVER authorized to be on this account and now MY most sensitive account information is attached to XXXX XXXX Bank Statements going back months and years. 
I went into my local Chase branch to get the error corrected. After 45 minutes with the branch manager, I was told that they fix it going forward but couldn't fix it the history at their level and the issue was routed through Chase Internal Customer Service. I was contacted approximately 10 days later and told " to reference page 18 of my Deposit Agreement ''. My Agreement talks about CD 's and Retirement CD 's on page 18. Nothing about Chase attaching Unauthorized Users. I was also advised that I was " at the top of the complaint department and anything further would need to come from an external representation. '' I contacted XXXX XXXX Consumer help and was given email for the Chase CEO of Consumer Accounts. Her office sent my request back to the Internal Complaint department and 10 days later I was told again to refer to page 18 of the deposit agreement and that they wouldn't change the error history. My information will remain exposed to unauthorized users forever because it is against Chase 's policy to correct the historical statements. Even if they are in error.
Product: Credit card or prepaid card

Synchrony Bank could not reach me regarding a credit card. They called my father. I have not lived with my father for decades. I reached out to them and told them to stop. Not only is my father not on the account, that is not the phone number listed anywhere on my account statement or application. This is a violation of my privacy and horrific customer service. 
It happened again last month ( XX/XX/2023 ) and as recently as last week ( week of XX/XX/2023 ). My father said they have left multiple nasty messages. I have called them TWICE today ( XX/XX/2023 ). The first agent was unhelpful and rude. I hung up. I called back. The second agent attempted to accuse my father of lying, but quickly changed course when I noted what number not to call. I once again reiterated they are to call the number provided and nothing else. She stuttered and would not reveal where they obtained my father 's information. I told them that I am recovering from XXXX and perhaps that's why they could not reach me. The agent then asked if I brought my phone into XXXX. It was an incredibly idiotic and insensitive thing to say. She claims they are sorry and have noted never to call my father again. I told her I am filing the complaint today and that if it continues I am filing another complaint. 
The document I attached shows the correct last 4 digits and email address of how they should be contacting me. None of those items is my father 's phone number.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Finacial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to Human Trafficking debt bondage, which falls under trafficking according to trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of human trafficking of debt bondage and would like for all listed accounts to be blocked and deleted company information Transunion. Please delete the following accounts. XXXXXXXX XXXX XXXXXXXX {$590.00}
Product: Credit reporting or other personal consumer reports

According to federal law credit transactions and experiences are illegal and should be excluded from my credit report.the following account is reporting 31 late payments on my XXXX equifax and XXXX reports and I have disputed this account 20plus times and XXXX mtr account # XXXX is violating my federally protected rights under 15 usc 1681 a 2 excusions and transactions shall not be reported.delete XXXX mtr account from all 3 credit bureaus immediately because it is seriously impacting my ability to obtain a vehicle and buy a home.also I did not give them written permission to report this account on my credit files.this account is reporting several inaccurate information 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.ive shown all of the inaccurate inconsistent incomplete information to XXXX XXXX and equifax and the keep ( verifying this account through e XXXX and not doing an actual investigation.ive asked numerous times how they investigated this account and they keep dodging my requests.i want {$1000.00} for each violation on my report.please forward my check to XXXX XXXX XXXX XXXX XXXX XXXX Wyoming XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX these accounts below has violated my rights. 


Account Name : XXXX Account # XXXX. 


Account Name : XXXX Account # XXXX. 


Account Name : XXXX Account # XXXX. 

Account Name : XXXXXXXX XXXX Account # XXXX Account Name : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Account # XXXX Account Name : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX Account # XXXX Account Name : XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXXXXXX XXXX Account XXXX XXXX Account Name : XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX  ) Account # XXXX Account Name : XXXX XXXX ( Original Creditor XXXX XXXXXXXX XXXX XXXX ) Account # XXXX 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.
Product: Debt collection

I get multiple calls from XXXX on my new 2 month old cell phone. It is a pre-recorded message telling me to call XXXX about a JCPenney account that is overdue. I do n't have any JC Penney accounts. This is also a new cell phone and number. I call and they say the ca n't find me in their accounts by phone number. I tell them to stop calling me and using my minutes when I do n't even have a JC Penney account. I ask for a supervisor and they put me on hold and then hang up on me after a few minutes on hold. They have called multiple times now. How do I get them to stop calling me? I am a XXXX XXXX person on a fixed income and ca n't afford the minutes on my cell phone.