23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

THIS IS IDENTITY THEFT I AM NOT LIABLE FOR ANY OF THE DISPUTED ITEMS ON MY CREDIT REPORT UNDER FAIR CREDIT ACTS AND REGULATIONS identity was stolen and I noticed this when I went to pulled my credit report in XXXXXXXX XXXX XXXX XXXX XXXX There were several and I mean SEVERAL fraudulent accounts/Unauthorized accounts that were not opened by me on my credit report all of this has lowered my score into the derogatory range causing great financial burden and grief I am scared for my future. I have called these creditors several times over the past 4 months to No avail or assistance and even sent them the applicable identity theft reports and evidence in regards to my identity being stolen and used fraudulently only 3 companys adhered to my order the following accounts that I am requesting to be looked into and REMOVED IMMEDIATELY FROM MY CREDIT REPORT ARE FOLLOWING : Applied bank, XXXX Opploans, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX are all the fraudulent accounts on my credit report this is IDENTITY THEFT and under NO LAW AM I PAYING OR LIABLE FOR THESE DEBITS.
Product: Credit reporting, credit repair services, or other personal consumer reports

For months this company has been reporting inaccurate, unverifiable erroneous things on my credit report and ruining my credit score and I am sick of it. This company has ruined my credit score so bad I got denied a loan for my house!! Now I can not provide for my family because of these derogatory marks. These medical bills and other derogatory collection accounts listed on my credit report, are incorrect and NOT mine. Simply verifying that someone used my name, social security number and/or address is insufficient to confirm that I am the person in question and owe this debt. 
The court has ruled that in Hinkle v. Midland Credit Management , Inc., that during a dispute and subsequent investigation with the original creditor, collector or a credit bureau, that the original creditor or collector, must provide account-level documentation that would hold up when presented to a jury. That means an original contract or similar proof. To this end, I am demanding an itemized bill to be sent to me! 

The account information that this company is providing can not be proven because they do not have the original signed document saying that I owe them a debt which is A direct violation of my CIVIL RIGHTS according to the FCRA section 609. This company must remove their account from my credit reports immediately and permanently. A DELETION OF THIS ACCOUNT FROM MY CREDIT REPORT IS A FAIR RESOLUTION. Please be advised I have requested validation { not verification } of an item reported to you by the above original creditor/collection agency. I have received a response that does not indicate or prove : 1. I had this service. 
2. What services I am being charged for. 
3. What the cost of each service I am being charged for. 

A response with a bill is NOT evidence of proof that the debt is mine. Anyone can open an account under my name for which a bill is produced, but that doesn't mean it was actually me or that the debt is actually mine. I need real evidence. This evidence consists of a contract from the original creditor or some agreement bearing MY written signature agreeing to pay the debt. In the absence of this evidence I ask you to please remove this account from my credit report. 

I will proceed with legal action as prescribed by law against the above-named original creditor/collection agency. Should this item not be deleted within the required time allowed by law I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation. 

I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously. 


A DELETION OF THIS ACCOUNT FROM MY CREDIT REPORT IS A FAIR RESOLUTION.
Product: Checking or savings account

Deposited a check from XXXX into my Bank of America account via teller in the bank on XXXX XXXX   19. I was told by the teller that the money would be available at XXXX  XXXX on XXXX XXXX  19. On XXXX XXXX   19 my account stated that there was a hold on the total amount until XXXX XXXX  19. I have called twice and  obtained several different reasons why there was a hold, from there being a middleman that they work with that hasn't processed the check and they couldn't get in contact with ; to, the federal reserve was verifying the check and they hold on to it for 7 business days.
Product: Credit reporting or other personal consumer reports

I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX XXXXXXXX Balance : {$1000.00} ; XXXX  XXXX XXXX Balance : {$0.00}.
Product: Credit card

The following CHASE Credit Card A/C information is missing in my XXXX Credit Report. 
A/C Type : Credit CardA/C Number : XXXX XXXX XXXX XXXXCreditor : ChaseI have already contacted XXXXCFPB Case number : XXXX-XXXXResponseWe have reviewed your complaint along with the information you previously provided regarding this issue. 
Additionally, we reviewed the letter you provided from Chase. However, we were unable to make any changesor updates to your credit file due to XXXX policies and procedures. As a result of our research, we show Chase # XXXX was removed from your XXXX credit file on XXXX/XXXX/2008 per the creditor 's ( Chase ) request. 
Please be advised that it is XXXX 's policy to only report information that has been verified by the creditor. 
The item you are requesting to be re-inserted to your credit file has not been verified and therefore, can not be re-added. 
Chase will have to submit a request to XXXX in order to have this account added back to your XXXX credit file.
Product: Credit card

I bought a dining set XX/XX/XXXX from XXXX XXXX on XXXX/XXXX/2015 using my American Express card. I was told I would receive the furniture within a week. on XX/XX/XXXX, I received an email from XXXX XXXX stating, " ORDER ID : XXXX Dear XXXX XXXX, Your order has now been shipped from the manufacturer and is currently en route to our delivery company. Generally this process takes about 1 week. Once the order arrives at the local delivery company, they will inspect the order, and delivery time date will be scheduled. '' However, for two weeks, I had n't received the furniture nor had I heard from XXXX XXXX. I called the company and more phone calls followed. On XX/XX/XXXX I received the following email, " Order Routing ORDER ID : XXXX Dear XXXX XXXX, Good News! Your order is currently being routed for shipment. XXXX, a white glove furniture delivery company, will be contacting you in the coming days to schedule your delivery. We will deliver on the next trip in your area. 



Shipped with : XXXX XXXX ext XXXX ( XXXX ) XXXX will contact you to set up a date and time for the delivery. If you have any shipping related questions, please contact XXXX at XXXX ext XXXX ( XXXX ) ''. I called XXXX and was told the furniture will be shipped soon. After a week, my wife called and XXXX hanged up the phone. I called and was given the same excuse as before. With no good resolution in sight and my confidence in the company dipping low, I cancelled the order on XXXX XXXX and called American Express disputing the charge. American Express noted the dispute but did n't contact me with the merchant 's response and a satisfactory resolution. When I contacted AMEX, I was told the charges had been re-instated. I disputed the {$280.00} due to me. AMEX again did n't contact me. I contacted AMEX again with the same result. I am very frustrated with both the merchant and the credit card company. XXXX was a XXXX trusted store and had AMEX gotten back to me on time, I could have contacted XXXX to resolve the issue. Now, after eight months, I am still chasing to resolve the issue with AMEX doing a shoddy job.
Product: Credit card

I recently reviewed a copy of my credit report. I was shocked to learn that I have been a victim of identity theft. I found numerous accounts on my credit report that were not open by me. This has been hurting me as I am in process of buying a home for my family. Please remove the fraudulent accounts from my credit report as soon as possible. Below are the name of the accounts, the account #, and the date they were opened : 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
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Opened XX/XX/XXXX XXXX  Opened XX/XX/XXXX XXXX Opened XX/XX/XXXX As per the Fair Credit Reporting Act, 15 USC 1681 section 602 ( a ), it is imperative to ensure that consumer reporting agencies discharge their significant responsibilities with equitability, impartiality, and due regard for the consumers right to privacy. XXXX, XXXX, and Experian are recognized as consumer reporting agencies, and I, in turn, am the Consumer. I hold the prerogative to safeguard my private information, a right reinforced by 15 USC 6801, which stipulates that Congress deems it a policy for financial institutions to proactively uphold customer privacy and safeguard the security and confidentiality of their nonpublic personal information. 

As defined within that statute, a 'Furnisher of information to credit agencies ' indeed qualifies as a financial institution. Section 604 ( a ) ( 2 ) of 15 USC 1681 delineates that, with exceptions noted in subsection ( c ), a consumer reporting agency may furnish a consumer report exclusively upon receipt of written instructions from the concerned consumer. Both the 'Furnisher of information to credit agencies ' and the consumer reporting agencies XXXX XXXX XXXX XXXX and Experian lack my authorization to provide this information, and certainly do not possess my written consent. 

Furthermore, in accordance with 15 USC 6802 ( b ) ( c ), a financial institution is prohibited from disclosing nonpublic personal information to a nonaffiliated third party unless the consumer is informed of their right to exercise a nondisclosure option. The 'Furnisher of information to credit agencies ' never informed me of this right. Additionally, 15 USC 1681C ( a ) ( 5 ) explicitly states that no consumer reporting agency may include certain adverse information in a consumer report, unless authorized under subsection ( b ), and such information can not extend beyond a seven-year timeframe. The inclusion of this account as an adverse item without my consent is a violation of the law.

Moreover, in accordance with 15 U.S. Code 1681s2 ( a ) ( 1 ), it is prohibited to furnish any information regarding a consumer to a consumer reporting agency if there is knowledge or reasonable cause to believe that the information is inaccurate. Additionally, 15 U.S. Code 1681e mandates that every consumer reporting agency must establish reasonable procedures to prevent breaches of section 1681c and restrict the provision of consumer reports to purposes listed under section 1681b. 

Regrettably, XXXX, XXXX, and Experian are not adhering to these reasonable procedures. Lastly, in line with 12 CFR 1016.7, a consumer retains the right to opt out of reporting services at any given time. I hereby exercise this right and opt out of your reporting services.
Product: Credit reporting

I contacted all XXXX bureaus regarding fraudulent access to my credit file but only XXXX have fraud alert on them because one was giving me a hard time. I have hard inquires on my file which was not authorized. I was informed that I must contact the companies to remove the inquires. After I did what I was informed, the companies informed me that they do not have anything in there system with my information. It 's ridiculous how I have a fraud alert on my credit report yet these companies can have access to my credit report. Who is protecting my information? Why did transunion allow such numerous companies to access my report without my authorization. I request that each inquire get removed and I request that an update credit report reflecting such changes.
Product: Credit reporting or other personal consumer reports

I've been a victim of identity theft, my information was exposed to the public in the Equifax data breach and I noticed unauthorized credit accounts on my credit report that are inaccurate and incomplete. This is hurting my chances at getting a mortgage and caused a lot of financial harm to me. I need these fraudulent accounts removed ASAP.
Product: Debt collection

XXXX XXXX sold two accounts to Portfolio Recovery in the amount of {$960.00} and {$1000.00}. They have been contacting me harassing me about a debt that I have no knowledge of. On XX/XX/XXXX and XX/XX/XXXX i demanded they provide proof of contract between me and XXXX XXXX. I asked them to remove this inaccurate information against my credit file. I have no written or signed contract with Portfolio Recovery nor XXXX XXXX. I have made all credit bureaus ( XXXX, XXXX, and XXXX ) aware of this matter, yet they continue to report inaccurate information on my report. This matter has become troublesome situation for myself and my family. Any help assisting me with this matter is greatly appreciated.
Product: Checking or savings account

I submitted an online transfer request on XXXX, received a confirmation but did not receive the funds. THERE IS NO REASON WHY THESE FUNDS ARE HELD. NO OTHER BANK MAKES THE EXCUSES TO DELAY PAYMENTS. Their notifications are fiction and need to clearly and accurately state the value date when funds are available to me. This needs to stop. Capital One has closed so many branches they do not support their clients. More importantly, you can not write to anyone at this bank and need to only call where there is no record of their incidents. With all today 's automation, why are phone calls the only way to contact this bank? They send emails but you can never respond - this is too XXXX sided.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian refuses to adhere to the FCRA by reporting accurate information on my consumer credit file report. Experian refuses to include on my Experian credit report a XXXX word or less statement, sent in dispute concerning an alleged bankruptcy showing on my report. Experian refuses to disclose its investigation of my dispute of the Name, Address and Contact Number of the entity that verified the allege Bankruptcy. I personally contacted the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Florida XXXX XXXX. They stated they " do not '' verify Bankruptcy filings, if they did it would be on XXXX XXXX  XXXX letterhead if it did so. 

Experian previously deleted an account XXXX from XXXX XXXX XXXX then re-entered the account which is outdated. Experian also is reporting a closed XXXX XXXX account XXXX as open with a balance of {$3000.00}. 

Again, Experian is in violation of the Fair Credit Reporting Act and willfully doesn't adhere to FCRA or CFPB guidelines. 

Experian shows credit inquiries which weren't authorized by an refuses to delete the fraudulent inquiries by XXXX. XXXX XXXX XXXX XX/XX/22 and XXXX. XXXX XXXX XX/XX/22
Product: Debt collection

My debt is with Sentry Recovery Collection agency based in XXXX XXXX, NV. This debt has recently showed back on my report after not being on my report for over 4 years. I called them and stated where the debt is coming from they said an aprtment I use to live at. They stated I owe 1600 dollars which is false. I called the company that gave them the debt and was told it should only certain amount owed of 400.00. When I contacted the collection agency they argued with me and stated the balance of 1600 was correct .. in which they later found out that 400 was owe, they then adding 250 dollars of interest and stated I owed XXXX. After this incident I contact the property that gave that number and was told it was incorrect. Due to the moved explaining the reasoning from moving from the apartments was due to a legal reason. A restraining order was file by the state of Nevada due to legal reasoning leaving my property home
Product: Money transfer, virtual currency, or money service

My XXXX Ferderal income tax return refund in the amount of {$2200.00} was deposited into the wrong checking account at JP Morgan Chase. This was due to my tax preparer inputting the wrong account number on my direct deposit transmittal form. When I discovered this had happened I immediately reached out to Chase to advise them and they confirmed that they could see the deposit sitting in the wrong account. They could also see where all of my refunds had been deposited in my correct account every year prior to this year. 

Chase advised me that I would need to reach out to the Internal Revenue Service so that that they could request the withdrawl of the funds from the wrong account. I did this and it took 120 days to get an acknowledgement letter from the IRS. Later, I did find out that the IRS traced the money and they requested a refund of the money and Chase told them that they could not refund it because the money was no longer in the account. 

Chase told me a number of things including : 1 ) There was no way that Chase would have deposited the refund without checking to make sure that the name on deposit matched the name on the account. 

2 ) That the IRS never requested a refund which the IRS confirmed that they had 3 ) That I would need to prove that the IRS reached out to them 4 ) That there was nothing that they could do to help me. 

The IRS stated : XXXX ) That they deposited the money into the same account as my XXXX return which they later acknowledged was not true by their own records of my XXXX tax return direct deposit transmittal. 

2 ) That they performed a trace on the direct deposit and found that the money was deposited into the wrong account and that they requested a refund from Chase 's XXXX department who refused and told them that the money was no longer in the account. 

3 ) That to get my refund back I would have to get it from Chase. 

Basically, I have been ping-ponged back and forth between Chase and the IRS and I have been working on this since XX/XX/XXXX. My refund was deposited into the wrong account at Chase on XX/XX/XXXX. Chase and the IRS are blaming each other and its been 7 months. I am requesting assistance in getting this matter resolved.
Product: Checking or savings account

I am a former customer of 5/3 Bank. I closed my accounts with them several years ago. I still receive reminders by email to pay certain bills. I have called them and they have assured me the emails will stop. And then i get another one. I don't want my profile to exist in their database anymore. Their system thinks i am still a customer, leaving open the chance that someone could steal my identity.
Product: Debt collection

I keep getting robocalls from comenity bank u p to 6-7 time s a day after I stated that I was paying them before the  XXXX  of the month. There is no way to stop this call from happening although it is supposed to ask if you would like to stop these types of calls. This is a form of harassment. The next time this happen, I will use my rights.
Product: Credit reporting or other personal consumer reports

CONSUMER ADJUSTMENT CO XXXX XXXX, MO XXXX Date open : XX/XX/scrub>/2023 Original amount : {$280.00} Balance : {$390.00} This company is reporting fraudulent inaccurate information on my credit report. I have requested that they provide the purchase agreement to show full ownership of such account and also other documents so I may review to see if this is actually an account that belongs to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I dont have specific dates. This showed up on my credit report, initially, I reached out but each time, the company gave me the run around, no one was ever able to provide specifics or details regarding this debt. I assumed it must have been an error and let it go but time after time it shows up on my credit report and the balance keeps getting higher. None of their representatives are able to provide precise details for what or when or how I owe this amount. Equifax shows {$3100.00} while XXXX shows {$3100.00}. The dollar amounts dont match up and I have no idea what the address for this charge. 
Ive lived in the same house for 12.5 years and my bill is current and lights are still on. Please advise what address this is owed to and if no address can be provided, please have it removed from all of my credit reports. The account number is XXXX on both Equifax and XXXX, however XXXX shows as acct type open account while Equifax shows as a collections account
Product: Credit card or prepaid card

On XXXX XXXX I had {$1400.00} transferred to a account that I stated to fraud people at XXXX bank America that I have no bank account and said my account was hacked all my info was changed I had to go in bank to show identity and have them verify me to fix my XXXX bank America account.and today I call and they say was denied how is that I ask when I've been hacked and money stole off my account.mybrent is due and no way pay due to bank not investaging this better. 
I have no bank account and told them don't transfer nothing off my card anytime.or no online orders plz help me get my money back asap so I don't have be put in st due to no way pay rent due to scamming ppl Thank you
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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

I looked at my Experian 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: Credit reporting, credit repair services, or other personal consumer reports

See letters sent, clear violations of the FCRA, personal information is not up to date and there are inquiries that are not mine