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

On XX/XX/XXXX I requested a new debit card from Chase freedom. 
The card arrived a week later. I destroyed the old card. 
On XX/XX/XXXX, I received a text message that said a fraud transaction has been detected on your debit card. Do you recognize it? I responded NO. They said they will deactivate the card and send me a new one. 
On XX/XX/XXXX I noticed that there are a lot of transactions happening on the old card. I immediately contacted the bank and notified them ( within the 48 hours deadline of reporting fraud for debit cards ). They filed three claims. 
1.Gas station : XXXX 2.ATM : two transactions of XXXX 3. Online transactions : XXXX, XXXX, XXXX, XXXX I got a response that the first claim is accepted. 
The second claim got rejected because the ATM was close to my house address and they say the card owner had access to the physical card. 
The third one is still pending. 
I have witnesses that at the time that the card was being used I was at home. The new card is in physical possession. Chronologically, how is it possible that the first transaction is fraud and the rest of the transactions are not fraud? 
How is it possible that I got a text suspecting that this is fraud transaction, and I confirmed this is fraud but after investigations they say the thief has used the chip and it is impossible to replicate. 
I would like to know why didn't the company deactivate the old version of the card?
Product: Credit reporting or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
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 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 XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

TO WHOM IT XXXX CONCERN I noticed that you are reporting inaccurate information on my credit report and that you keep verifying this account when its clearly inaccurate. This letter serves as a DEMAND to validate this account : Please provide me with the following : ( XXXX ). Full accounting for this account : ( XXXX ). Copy of the assignment of purchase from the creditor ( XXXX ). Every charge and what was purchased, fee, payment, credit, interest ( XXXX ). How you calculated what you claim I owe ( XXXX ). XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ). Full chain of assignments from charge off to present ( XXXX ). Proof that you own the debt with full clear title ( XXXX ). Proof that you were on the original contract ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ) If you cant provide me with sufficient proof as listed above, then you must delete the above account from all three credit reports ASAP. Let me remind you of the law : according to FDCPA XXXX ( b ) furnishing, verifying and updating is considered collection activity. If you verify this inaccuracy from the credit bureaus without providing me with all of the items listed, you will be in violation of the law which carries a fine of {$1000.00} per violation. My attorney who specializes in suing debt XXXX will be on standby waiting for my instructions.
Product: Debt collection

Portfolio Recovery has over the past several years tried to contact me multiple times a day, multiple times a week at all hours regarding a debt they have no right to collect. I sent them a registered return receipt letter on XX/XX/2018 to cease and desist any communication with me via phone and they keep calling. I did receive the signature card back signed. They are relentless with the calling, rarely ever leave a message but when they do it is threatening and just keep calling.
Product: Credit reporting or other personal consumer reports

To whom it may concern I am writing to dispute the following information on my credit report and have the following information removed from my file. The items I need deleted are listed below. I am a victim of identity theft and did not open these accounts. I ask that the items be deleted to correct my credit report. Fraududlent accounts : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There are numerous inquires on my report that I did n't authorize I first reached out to all of the companies listed on all 3 credit bureaus reports after 60 days and no hearing anything I sent letters to the credit bureaus they sent letters back telling me to reach out to the companies which I already did. So I called and all 3 bureaus did the same thing. They told me there is nothing they can do! This has been going on since XXXX 2017. I have never applied for something and not been approved. So all the inquires on my reports are not accurate!
Product: Prepaid card

XX/XX/year>25 - fully unable to register card. Unable to use it for any purchases. Device used does not matter, and I am only presented with a fake error message, claiming " We are unable to process your request at this time ''. No agent was able to explain the reason why.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) require the XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : TEXAS XXXXXXXX XXXX XXXXXXXX XXXX Balance {$630000.00} TEXAS XXXX XXXXXXXX XXXX XXXXXXXX Balance {$11000.00} TEXAS XXXX XXXX XXXX XXXX Balance {$630000.00} TEXAS XXXX XXXX XXXX XXXX Balance {$11000.00} TEXAS XXXX XXXX XXXX XXXX Balance {$630000.00} TEXAS XXXX XXXX XXXX XXXX Balance {$11000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 
Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
1. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX XXXX XXXX 2. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX 3. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX 4. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, LA XXXX 5. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX 6. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX Bankruptcy Case Number : XXXX Delete this account. 
7. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX Account Number : XXXX Please remove it from my credit report. 
8. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX  Account Number : XXXX Delete this account. 
9. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 
10. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX 11. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX XXXX XXXX 12. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX 13. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX 14. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, LA XXXX 15. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, LA XXXX 16. there is some inaccurate information reporting. 
XXXX XXXX  Account Number : XXXX Please remove it from my credit report.
Product: Credit card or prepaid card

I booked a hotel room using my Chase Travel Rewards ( XXXX points ). When I arrived at the hotel ON XX/XX/2023 I was told I didn't have a reservation. I produced my receipt from Chase Travel Rewards and the clerk claimed she didn't have that reservation. I called Chase and spent an hour on the phone while they tried to clear it up with XXXX XXXX. In the meantime, I paid the hotel charge of {$210.00} because it was after XXXX XXXX and my wife and I were tired. Chase assured me they would clear this up. It is now XXXX and Chase has closed the case because the vendor says there is no mistake. I paid cash AND points for the same reservation. In 3 months, Chase hasn't been able to get me the money or the points. This entire transaction was done within the Chase program - using my poionts through Chase and paying with my Chase credit card. It is very black and white to even a child that I was billed twice for the same hotel room.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is illegally on my report I have not supplied proof under the doctrine of estopped by silence, Engelhardt V. Gravens ( Mo ) 281 SW 715, 719 I presume that no proof of the alleged debt, nor therefore any such debt in fact therefore exists
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attempted two times to have ( credit agency ) verify this debt and what methods used to verify this debt.

According to the FCRA Section 609 a ( 2 ), the bureau must provide me with the method used as proof to verify the bankruptcy and if they are unable to provide it, the bankruptcy must be deleted.

Also, according to FCRA, Section 611, paragraph ( 6 ) ( B ) ( iii ) if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available.

Credit reporting agencies are required to conduct investigations of disputed items with the furnisher of information. The Bankruptcy Court should be the furnisher of information, not a third-party source such as XXXX or XXXX XXXX.

Per a letter I received from the Ohio Bankruptcy Court, no verification was done as the courts do not verify information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not give permissable purpose for the following hard inquiries on my credit reports. Please remove them immediately.. 

Do not put a fraud alert on my report. I will lock my reports once the online profile logins are open. 

15 usc 1681a ( 2 ) ( a ) ( i ) 15 usc 1666b 15 usc 1681 i a 1 15 usc 1681 i 5 15 usc 1681 B 15 usc 1681 i ( 7 ) Read A and 2 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, credit repair services, or other personal consumer reports

On my credit report there are multiple errors reporting from the company XXXX XXXX  XXXX. XXXX being that the account has been charged off in XX/XX/XXXX with two different balances XXXX balance of {$4000.00} reported to XXXX  & XXXX  & {$4500.00} reported to equifax. They were still occurring past due charges after being written off by the company at those balances in XXXX. This ultimately caused it to reflect as {$5200.00} being past due vs the charged off balance. Also the high balance states $ XXXX {$4500.00} if this is the highest amount the account occurred then where is {$5200.00} coming from and causing the violation? If this is being reported from the same creditor how is there so many errors? Also the date of last activity does not match across the bureaus. XXXX  reports XX/XX/XXXX, XXXX  XX/XX/XXXX, equifax XX/XX/XXXX. Last payment also reflects XX/XX/XXXX for XXXX  & XXXX  where the last payment with Equifax is XX/XX/XXXX. The date of last activity determines how long this account can stay on my credit and if one bureau shows a payment in XXXX where the other shows XXXX then there is a payment that was not accurately accounted for which also throws off the amount charged off. The Information being reported is very inaccurate. FCRA requires that you are consistent across the board and that all the bureaus report the same thing. I have sent out a certified letter dated XX/XX/XXXX in regards to the many errors in which they were claimed to be verified. Seeing that the creditor credibility on this account is not accurate across the board even after a few attempts of it being disputed I ask that it be removed due to not properly being investigated and illegally reporting false information resulting in me not being able to resolve the problem effectively.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person. My name is XXXX XXXX XXXX. The credit bureau violated my rights and disrespected my rights to privacy. If you dont remove this account we will have some problems! 

Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. 

Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Product: Debt collection

I Would like this XXXX item removed off my credit because the debt that is on my credit wasn't done by me. I have no knowledge of who attained my information. The information that is reporting on my credit is inaccurate and it need to be removed asap, i contacted XXXX was no help they couldn't do anything to better assist me. It indicates the account was opened XX/XX/2023 with out my knowledge. The the total sum I have to pay is {$1600.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Account info Account name XXXX  Account number XXXX Account type Charge Card Responsibility Individual Date opened XX/XX/XXXX Status Closed. {$490.00} written off. 
Status updated XX/XX/XXXX Balance - Balance updated - Recent payment - Monthly payment {$0.00} Credit limit {$200.00} Highest balance {$640.00} Terms NA This account was fraudulent, and this is identity theft and double posting to the account. this need to be thoroughly investigated '. Please
Product: Debt collection

I leased a vehicle from XXXX XXXX XX/XX/XXXX, financed with XXXX XXXX. XX/XX/XXXX was the lease end and dealership gave me options to buy, sell or re-lease. I chose to re-lease another vehicle same day I returned the XXXX car. I payed {$990.00} as down payment and had a new lease starting XX/XX/XXXX. I would have never re-leased another car if I knew I had to pay {$13000.00} for returning the XXXX car. I payed it every month and did not miss a payment. I do not know where this amount is coming from. It states about {$4000.00} was written off and I owe the remaining balance? I do not owe anything on that XXXX car. I re-leased another car and that was the deal I chose when I returned the XXXX car and the lease for that car ended. I have disputed this with the debt collection companies for this account.
Product: Bank account or service

Bank of America put a charge off on my credit for a credit card I never used. They had the wrong address, the wrong phone number who knows who they were sending that information too. I never knew about the charges on the credit card or what was going on because they never had my information because the person using my account had it. They are taking very long to resolve the issue. I am not happy because the charge off is affecting my schooling, I ca n't get school loans. Bank of America invalid info they had in meXXXX XXXX XXXX XXXX XXXX, XXXX, Florida XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed a dispute in regards to incorrect items on on my credit report. It has been well over 30 days and I haven't received any investigation results.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my Second request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The Items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXXXXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX XXXX XXXXXXXX, NC XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX Balance : {$8400.00} XXXX XXXX Balance : {$1800.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX  ) XXXX Balance : {$2300.00} XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Denied credit for irrelevant reason through an automated scoring system. A manual credit review needs to be conducted. CHASE appears to be ticked off that the government made them write-off a mortgage loan over 10 years ago for predatory ending tactics. This appears to be retaliation for that cancelled debt.
Product: Debt collection

Please refer to open CFPB complaint # XXXX. As mentioned previously in my opened complaint, the debt reported which was indicated by Portfolio Recovery Associates in the amount of {$710.00} is not accurate and is a violation of State and Federal law with regards to accurate debt collection and credit reporting. As I have indicated and as the attached records show, the correct " DELETED '' debt amount was {$710.00}. As the law stipulates, a debt can only be pursued when presented with ACCURATE information from a dept collection agency. This debt accusation is neither accurate or pursuable by law since the information which was reported by Portfolio Recovery Associate to XXXX XXXX or XXXX is verifiably WRONG/INACCURATE and was previously DELETED whiles in the custody of XXXX XXXX. Clearly, Portfolio Recovery Associates did not perform a proper investigation before purchasing this " UN-OWED DELETED '' debt to verify its status and or dollar amount. Though close in sum, {$710.00} dollars is not the same as {$710.00} dollars. And for this reason and other reasons which were previously argued in the original CFPB complaint and by attached documents of proof which were submitted to CFPB in this ongoing investigation, Portfolio Recovery Associates has no legal authority to continuously harass me, nor collect on an imaginary debt which does not exist and reported incorrectly to the sum of ( {$710.00} ). Furthermore, Portfolio Recovery Associates can not over turn a debt deletion which was previously completed which honors my due process under the law.
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 Name : XXXX Account Name : XXXX Account Name : XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX Account Name : XXXX  XXXX Account Name : XXXX Account Name : XXXX Account Name : 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: Debt collection

I submitted a complaint about this exact problem with this exact company in XXXX XXXX XXXX XXXX threatened to have me served and take me to court. Would not provide documentation of the veracity of the debt or complaint.
Product: Credit reporting or other personal consumer reports

I just reviewed my updated score of my Credit Report and notices 3 accounts that needs attention. Those accounts are XXXX XXXX XXXX opened in XX/XX/XXXX with a balance of {$250.00}. XXXX opened in XX/XX/XXXX in with a balance of {$4400.00}, and XXXX opened in XX/XX/XXXX with a reported balance of {$9000.00}. These accounts are included in my Identity Theft Report.