23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX I sent a written notice of dispute requesting debt validation pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA via XXXX XXXX Mail to XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX. which has not been fulfilled. On XX/XX/XXXX and XX/XX/XXXX I sent a Cease and Desist Notice to cease any/all collection actions until the alleged debt was properly validated to XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX which has been ignored. On XX/XX/XXXX and XX/XX/XXXX I sent another Cease and Desist notice and written notice informing XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX. that I'm a victim of identity theft and the fraudulent account does not belong to me which has been ignored. As of XX/XX/XXXX I have NOT been provided competent evidence of my legal obligation to pay XXXX XXXX XXXX XXXX XXXX XXXX. I requested the company to provide me with the following : Agreement with your client that grants you the authority to collect on this alleged debt. Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. Name and address of alleged creditor. Name on file of alleged debtor. Alleged account number. Address on file for alleged debtor. Amount of alleged debt. Show me that you are licensed to collect in my state ; and Provide me with your license numbers and Registered Agent. What the money you say the alleged debtor owes is for. Explain and show how you calculated the alleged debt. Provide me any documents that show proof I agreed to pay the alleged amount owed. Please provide the name and address of the bonding agent for XXXX XXXX XXXX XXXX XXXX XXXX. in case legal action becomes necessary. Your claim can not and WILL NOT be considered if any portion of the above is not completed and returned with copies of all requested documents. Please Note : A copy of the consumer credit contract and/or bill is not sufficient to validate the debt. Validation requires presentment of the account and general ledger statement signed and dated by the party responsible for maintaining the account. Pacific Concrete F.C.U. v. Kauanoe, 62 Haw. 334, 614 P.2d 936 ( 1980 ), GE Capital Hawaii , Inc. v. Yonenaka 25 P.3d 807, 96 Hawaii 32 , ( Hawaii App 2001 ), Fooks v. Norwich Housing Authority 28 Conn. L. Rptr. 371, ( Conn. Super.2000 ), and Town of Brookfield v. Candlewood Shores Estates , Inc. 513 A.2d 1218, 201 Conn.1 ( 1986 ). and Solon v. Godbole, 163 Ill. App. 3d 845, 114 Ill. Dec. 890, 516 N. E.2d 1045 ( 3Dist. 1987 ). Additionally, on XX/XX/XXXX GENESIS FS CARD SERVICES sent a notice informing me that the fraudulent account resulting from Identity Theft has been blocked and removed and would no longer be subject to collection actions. Furthermore, pursuant to 12 CFR Part 1022 Subpart M 1022.120 1022.129, XXXX XXXX XXXX XXXX XXXX XXXX. is in violation by not responding to my notice of Identity Theft within 30 days.
Product: Prepaid card

Rushcard has ignored my dispute that I made directly with them. A merchant had somehow debited my rushcard account using the ACH method
Product: Credit reporting or other personal consumer reports

I havent did anything on my credit report in over 10 years do to XXXX  some one has been using my name etc trying to get cards an purchase things some stuff have actually been obtained by them now I have debts an hard inquiries thats not me I notified some of the companies with no answer or actions on any level
Product: Debt collection

In attempting to pay the bill in full my form of payment was not accepted confirming that my payment method was indeed a payment. Car recession was then attempted and the same result happened which was denying me of all my constitutional rights. Car repossession took place and the loan was filed as a write-off/charge off as bad debt. The balance should XXXX not XXXX, and this is also XXXX of many violations that occurred during my disputes with all three credit bureaus so this item is still in my credit report after my attempts to resolve all inaccurate information about me that isnt correct. 15 USC 1681 section 604 states that a consumer reporting agency can not furnish accounts without my written instructions. The initial contract with my signature is the original payment the company received for the purchase so I never received a loan and therefore this debt is null and void
Product: Debt collection

Calling my residence on a debt that I do not owe. Harrassing
Product: Checking or savings account

On XX/XX/2020 I opened a checking account with Bank of America. I provided all the documents required including my home address. After leaving the Bank I looked at the receipt and noticed that my Personal Bank account as well as my Debit Card were assigned to the address XXXX XXXX XXXX XXXXXXXX. XXXX XXXX, NY XXXX. I HAVE NEVER LIVED AT THIS ADDRESS and I dont have a document with this address. I had also filled out a credit card application and was told Bank of America has a right to share my personal information with their affiliates. I am very concerned with my name being associated with an UNKNOWN ADDRESS. The Representative who opened my account was named XXXX XXXX. The number associated with him is XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Below there is a number of inquiries that I did not authorize on my Equifax credit report. I contacted the creditors and they could not provide me with any information to prove I was the individual who applied for these accounts. I requested a signed credit card application and they all stated the accounts was completed online. I have been a victim of identity theft for some years now and I have battled this situation for a long time and now I have seeked legal representation. The companies told me to dispute the inquiries and that is what I am doing. Remove these inquiries immediately! My credit is a priority for me and I do not want any incorrect false fraudulent information on my credit. The inquiries below need to be removed. 

XX/XX/2020 XXXX/XXXX XXXX/XXXX, XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/2020 XXXX XXXX, XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/2020 XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, FL XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXX XXXX, XXXX, IL XXXX XX/XX/2020 XX/XX/XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, FL XXXX XX/XX/2020 XX/XX/XXXX/XX/XX/XXXXXX/XX/XXXX/XX/XX/XXXX, XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/2020 XX/XX/XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX, XXXX, FL XXXX XX/XX/2020 XX/XX/XXXX/XX/XX/XXXX XX/XX/XXXX/XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX, OH XXXX Do not send me a pre-made letter stating these inquiries were verified. I will be requesting a METHOD OF VALIDATION is Equifax send me a pre-made letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted all three Credit Bureaus/Agencies ( XXXX , Equifax, XXXX ) and the Creditors ( Bankruptcy Chapter XXXX ( 2 ), XXXX, XXXX, XXXX , XXXX, XXXX XXXX , XXXX XXXX, XXXX/XXXX ) involved in this matter several times trying to resolve this issue. Notifying them that they were not in compliance with their incorrect report per FCRA and that the accounts were fraudulent and that I'm a victim of identity theft. In return to tell me that these fraudulent accounts were verified and/or belonged to me or no response at all. None of these companies have provide me with any proof such as any original documents bearing my original signature. I also contacted the bankruptcy court and it is clear that they do not report to any credit bureau for that matter ; therefore the response verifying the item with the court is an error. Either way, the reporting requirements do not comply with FCRA Section 611 ( 15 U.S.C. Section 1681 ) and the information must be deleted immediately.
Product: Credit reporting or other personal consumer reports

1.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these inquiries deleted or updated. These are the items I demanding to be deleted immediately : 1. I did not authorize these inquiries please remove this from my credit report XXXX Date of inquiry : XX/XX/XXXX This inquiry was not authorized please remove this from my credit report 2. I did not authorize these inquiries please remove this from my credit report XXXX Date of inquiry : XX/XX/XXXX This inquiry was not authorized please remove this from my credit report 5. I did not authorize these inquiries please remove this from my credit report XXXX Date of inquiry : XX/XX/XXXX This inquiry was not authorized please remove this from my credit report 6. I did not authorize these inquiries please remove this from my credit report XXXX Date of inquiry : XX/XX/XXXX This inquiry was not authorized please remove this from my credit report 7. I did not authorize these inquiries please remove this from my credit report XXXX Date of inquiry : XX/XX/XXXX This inquiry was not authorized please remove this from my credit report 8. I did not authorize these inquiries please remove this from my credit report XXXX XXXX Date of inquiry : XX/XX/XXXX This inquiry was not authorized please remove this from my credit report 9. I did not authorize these inquiries please remove this from my credit report XXXX Date of inquiry : XX/XX/XXXX This inquiry was not authorized please remove this from my credit report 10. I did not authorize these inquiries please remove this from my credit report XXXX Date of inquiry : XX/XX/XXXX This inquiry was not authorized please remove this from my credit report 11. I did not authorize these inquiries please remove this from my credit report XXXX Date of inquiry : XX/XX/XXXX This inquiry was not authorized please remove this from my credit report 12. I did not authorize these inquiries please remove this from my credit report XXXX Date of inquiry : XX/XX/XXXX This inquiry was not authorized please remove this from my credit report 13. I did not authorize these inquiries please remove this from my credit report XXXX Date of inquiry : XX/XX/XXXX This inquiry was not authorized please remove this from my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Experian Credit Bureau has failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed accounts which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please update the following accounts completely from my Credit Report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Debt collection

IC SYSTEM INC at has been sending me collection notices in the amount of XXXX The collection has been reported as pasted due balance. I do not know this company. I have never done any business with this company. 
this company does not have a contact with my signature.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed XXXX account on my credit report listed as charge off. I sent TransUnion a letter stating that I was involved in a settlement with XXXX and that had agreed to update my credit file to show paid instead of charge off. TransUnion stated they contacted XXXX and they denied they stated that. I submitted the letter from XXXX its under the credit reporting information section. I also would like to point out like I tried to tell TransUnion, you may have to contact the department on the letter that's handling the settlement.
Product: Debt collection

Company-Columbia Debt Recovery . Original Creditor-XXXX XXXX My daughter moved due to employment in XXXX from XXXX to XXXX. I provided temporary care for my granddaughter for XXXX weeks, until my daughter could establish child care. The Apartment Management company ( XXXX ) wanted all adults residing in the unit to be named on the lease. I did not originally apply for residency and my income, or credit was not used to qualify and obtain residency. ( see original lease ) The apartment management company stated in writing that my income or credit would not be used, I signed understanding the statement written and the fact that I was supposed to be listed as an adult dependent. ( see letter from XXXX XXXX  ) We later found out that they not only ran a background check, but accessed my credit ( which the credit bureau did reply with an address discrepancy, because I am not a Florida resident-see addendum ). Someone forged an income for me which I did not provide. I never provided any banking information, nor did I make any rent payments. I was not employed at the time, I only work part-time. Turns out the XXXX XXXX listed me as a Joint Tenant!! 
The Columbia Debt Recovery Company has subsequently filed a derogatory collection on my credit report. I disputed the information, the collection company says the information is accurate. I do not owe this amount and this account does not belong to me and should be removed from my credit report. Can you please provide some help? Thanks in advance. ( I was unable to attach the complete original lease, too large, I am more than willing to fax or email it to you if needed )
Product: Checking or savings account

On XX/XX/XXXX I noticed on my Chase Mobile app that several large ATM withdrawals were made on XX/XX/XXXX that were not authorized. I called Chase immediately on XX/XX/XXXX at XXXX to report the fraudulent withdraws and told them that my card was stolen and I was given a different individuals Chase debit card instead of mine. The closed the debit card immediately and I requested a new card to be sent. 

The transactions were made at the following locations in XXXX at Non-Chase ATM 's : XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I later received a XXXX message from an individual stating that he had my card and we had realized that our cards had been swapped unknowingly by someone not associated with either of us. This individual and I have never met before. His name is XXXX XXXX ( XXXX ) XXXX. I had a police officer from XXXX XXXX, IL call me to ask about XXXX fraudulent charges on his debit card and I stated that I have never been to XXXX XXXX nor did I know where that city was located in IL. 


Below are the fraudulent withdraws from my account : NON-CHASE ATM WITHDRAW XXXX XX/XX/XXXX {$23.00} NON-CHASE ATM WITHDRAW XXXX XX/XX/XXXX {$45.00} NON-CHASE ATM WITHDRAW XXXX XX/XX/XXXX {$320.00} NON-CHASE ATM WITHDRAW XXXX XX/XX/XXXX {$420.00} NON-CHASE ATM WITHDRAW XXXX XX/XX/XXXX {$500.00} NON-CHASE ATM WITHDRAW XXXX XX/XX/XXXX {$500.00} The total amount {$1800.00} I received a letter no XX/XX/XXXX from Chase dated XX/XX/XXXX that they closed the claim and stated that they found the transaction ( s ) was processed correctly or was authorized and that they were going to remove {$1800.00} from my account on or after XX/XX/XXXX. The last time I used this debit card was on XX/XX/XXXX at XXXX XXXX # XXXX XXXX XXXX IL XXXX for {$9.00} I have filed a police report with the XXXX Police department and below are the details : INCIDENT : DECEPTIVE PRACTICES REPORT NO : XXXX IUCR CODE : XXXX DATE/TIME OF OCCURENCE : XX/XX/XXXX-XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I opened a new Venmo account. I had never used the service before. A friend sent me money through the app and I attempted to use those funds for an XXXX ride. Venmo declined the transaction with no additional information about why. I assumed that it may be because I had no backup payments associated with my new account, so I added a XXXX  debit card. This did not fix the problem. I then added my XXXX XXXX bank account and transferred out {$1.00}, to see if it was a Venmo or an XXXX issue. I also verified my identity within the app. I am unsure of which of these came first. 

Within a few minutes, my account was frozen for " violating the Acceptable Use '' policy. I had not done so, as everything I had done up to this point was not only within acceptable use but expected use. Upon contacting their customer support, I ended up with two open support tickets. The first response requested a copy of my driver 's license. The second requested a copy of my driver 's license and a bank statement from my XXXX account. I have provided both. They stated that they needed the statement to " prove '' I own the debit card. They are refusing to accept the statement because it lacks the last four digits of the debit card on it. But this is perfectly normal with bank statements and I have no way to correct it. I can not just force XXXX to change what they put on a statement. I have since removed my XXXX card from Venmo and added the XXXX bank account directly, verified through XXXX.
Product: Checking or savings account

As soon as I opened account and deposited money they froze my account due to suspected fraud. When I went in they claimed I had set the account up wrong online but wouldn't give me any info because they said my name was somehow not on the account.
Product: Credit reporting or other personal consumer reports

I BELIEVE THAT THIS LETTER WILL FIND YOU WELL. I AM HAVING MAJOR ISSUES WITH FINDING INACCURATE/ INVALIDATED ACCOUNTS AFTER CAREFULLY PULLING MY CREDIT REPORT FROM YOUR AGENCY. I HAVE NO KNOWLEDGE OF THESE ITEMS OR INACCURATE INFORMATION AS MY INFORMATION WAS IMPACTED BY THE XXXX XXXX XXXX SOCIAL SECURITY DATA BREACH AND HAVE GOTTEN INTO THE HANDS OF THE WRONG PERSON. I HAVE SOLID PROOF THE BREACH CAUSED THESE FALSE ITEMS TO APPERA ON MY CREDIT REPORT. YOU ARE REPORTING NEGLIGENTLY AND INACCURATELY AND FALING TO COMPLY TO THE FCRA. I DEMAND THAT THESE ITEMS BE DELETED IMMEDIATELY AND UPDATED. I ALSO DEMAND THAT YOU SEND ME A CREDIT REPORT WITH UPDATED CHANGES WITHIN 30 DAYS.
Product: Checking or savings account

I am the beneficiary of an inherited IRA account. The account is at JP Morgan/Chase and I want to transfer it to an inherited IRA account XXXX XXXX XXXX where I have other accounts. I started this process with JPM/Chase on XXXX XXXX by completing a traditional IRA Distribution request by Beneficiary. The XXXX at the bank contacted JPM/Chase to make sure all the correct documents were completed. The application was sent on XX/XX/2022 and they advised that it may take 7 weeks to process. 

On XX/XX/2022 I called JPM/Chase to check on the progress of the application and was informed that they needed 2 pieces of information : the decedents SSN and my birthdate. This information had already been provided on the application. The representative advised me that they would expedite the application. 

On XX/XX/XXXX I called JPM/Chase again and they advised that the hold up was with XXXX XXXX XXXX XXXX advised to fill out another transfer application. I did this and sent the application and a copy of the latest inherited IRA statement to XXXX on XX/XX/2022. 

On XX/XX/2022 I called XXXX and asked the status of the transfer and after researching for about 10 minutes they advised that they needed a copy of my signature and the latest inherited IRA statement. 

On XX/XX/2022 I went to the local XXXX XXXX and talked to XXXX XXXX who called Chase XXXX XXXX. We had a 3 way call and XXXX decided they didn't need a copy of the statement, only my signature. Then JPM/Chase decided they needed more documents from XXXX so I completed a " Transfer your Account to XXXX '' application. The Chase representative said that if everything was in order I should receive the money in 7 days. I went to the Chase branch and they faxed the XXXX document to Chase XXXX services. 

On XX/XX/2022 I called JPM/Chase to make sure they received the information and that they did not need anything else. I was advised that they did get all the information and that it would take several weeks to process. 

This constant request for duplicate and additional information and weeks to process any document is ridiculous and I believe intentional. Days and weeks have turned into months and JPM/Chase does not want to transfer the money to me and I suppose hopes that I will give up and let them keep the money. 

Can you please help me complete the process and find out why JPM/Chase will not transfer my money to XXXX. 

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

XXXX has been furnishing an inaccurate account on my credit file for over 2 years.. I have called, complained, disputed, faxed documents, and even contacted the furnishing company ( whom mailed them a letter, stating that account is not mines ).. They still havent removed it yet.. the account is a hard inquiry that reads : SYNCBXXXX iDemand this inaccurate information be removed without prejudice expeditiously..
Product: Debt collection

I had went to the hospital and had insurance at the time I went, but didnt have my insurance number on hand. I later called the hospital and gave them my insurance number and resolved the issue with the hospital a few months later I see this debt reporting on my credit I do not owe this deck collection company. They do not own the debt ive asked for proof of ownership and was never provided
Product: Credit reporting or other personal consumer reports

XXXX XXXX ), ( XXXX ), ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a Student Loans DEPTEDXXXX  opened on XX/XX/XXXX ( last reported on XX/XX/XXXX ) account number XXXX balance {$2800.00} DEPTEDXXXX  opened on XX/XX/XXXX ( last reported on XX/XX/XXXX ) account number XXXX balance {$280.00} DEPTEDXXXX opened on XX/XX/XXXX ( last reported date on XX/XX/XXXX ) account number XXXX balance {$4200.00} DEPTEDXXXX opened on XX/XX/XXXX ( last reported on XX/XX/XXXX ) account number XXXX balance {$3500.00} DEPTEDXXXX opened on XX/XX/XXXX ( last reported on XX/XX/XXXX ) account number XXXX balance {$7100.00} DEPTEDXXXX opened on XX/XX/XXXX ( last reported on XX/XX/XXXX ) account number XXXX balance {$5100.00} DEPTEDXXXX opened on XX/XX/XXXX ( last reported on XX/XX/XXXX ) account number XXXX balance {$2000.00} DEPTEDXXXX opened on XX/XX/XXXX ( last reported on XX/XX/XXXX ) account number XXXX balance {$3900.00} DEPTEDXXXX  opened on XX/XX/XXXX ( last reported on XX/XX/XXXX ) account number XXXX balance {$7500.00} DEPTEDXXXX opened on XX/XX/XXXX ( last reported on XX/XX/XXXX ) account number XXXX balance of {$7500.00} DEPTEDXXXX opened on XX/XX/XXXX ( last reported on XX/XX/XXXX ) account number XXXX balance of {$5000.00} DEPTEDXXXX opened on XX/XX/XXXX ( last reported on XX/XX/XXXX ) account number XXXX balance of {$4900.00} DEPTEDXXXX opened on XX/XX/XXXX ( last reported on XX/XX/XXXX ) account number XXXX balance of {$4800.00} Credit Card XXXX XXXX opened on XX/XX/XXXX ( last reported on XX/XX/XXXX ) account number XXXX balance of {$0.00} Secured Loan XXXX opened on XX/XX/XXXX ( last reported on XX/XX/XXXX ) account number XXXX balance of {$0.00}. 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 ( XXXX ) # XXXX ( XXXX ) # XXXX ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.