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

On XX/XX/2019 I sent XXXX, XXXX Credit Information Services , Inc. and Experian certified letters disputing a bankruptcy listed on my credit file. XXXX  has deleted this information off of my personal credit report. XXXX   and Experian has not. Both companies informed me that the information was verified. 

I also sent a certified letter to the United States Bankruptcy Court listed on my Credit file asking for their procedure and policy when reporting information to the Credit Bureaus. 
On XX/XX/2019 I receive a letter with general information about Bankruptcy and credit reporting. The last page of the letter from the United States Bankruptcy Court of XXXX XXXX of Louisiana had a highlighted section stating " The bankruptcy courts DO NOT provide information to the credit reporting agencies. '' However, the credit reporting agencies are reporting that they received information from " US BKPT CT LA XXXX ''. In addition, N/A is listed where there is supposed to be a verified date. Lastly there is no comment stating this information was disputed. Lastly, it is beyond the 30 days for both companies to correct this information. 

Per FCRA section 611 ( a ) ( 1 ) ( A ) I have the right to dispute the inaccurate, unverifiable or unfair item. And the credit reporting agency must respond within 30 days and state on my credit report " the information has been disputed. '' I am attaching my documentation of these events, including : a copy of the letter I mailed the credit bureaus, the certified mail receipt and a copy of my credit report from both bureaus as of XX/XX/2019.
Product: Credit card or prepaid card

QVC has a flex-pay option that allows customers to pay over time. I bought a XXXX XXXX mixer from them. My credit limit did not allow me to pay for the mixer. I was paying my payments, but had other flex-payments. QVC once I ran out of available credit adjusted the payments that I make to have me pay for the rest I owed on the XXXX XXXX. At the same time, the company they sold the debt to is after me for the remaining balance. I have been paying on the bill for a year and it hasn't gone down in that year and I have not bout anything from QVC in over a year. My limit is only {$400.00}. When I brought it to my attention a few months ago, my bill began to go down, but it should have been down months ago. I even cancelled the insurance and they kept that on longer than they should have. I had to call twice. I want to pay them off, and pay the remaining {$150.00} on the XXXX XXXX, but I'm not paying more than I owe.
Product: Credit reporting or other personal consumer reports

I paid my bill yet it is saying overdue and dropped my credit score XXXX points. Now i am unable to get a credit card I need to purchase my books for school. My cosigner, XXXX XXXX, also had a huge drop in his score. But we paid the bill already. I am also in the grace period of the loan so I dont understand how i could be late if there is nothing due at this time.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company illegal has fraudulent information on my credit report. These should have already been deleted from my credit report. I sent them XXXX letters already and no response over XXXX days now and attached is my proof of my last XXXX corespondence. These items should have never been on my report and the company had plenty of time to delete them but haven't Delete XXXX XXXX off my credit report.
Product: Checking or savings account

On XXXX XX/XX/24 there were multiple charges made from account at around XXXX. I did not make them so I called chase to inform them and make a claim. They denied my claim even though I have a text message from chase about a fraud alert. It was a total of XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is frequently updating my XXXX credit report - showing date reported as most recent as XX/XX/XXXX. According to XXXX this account in question was first reported as a collection account in XX/XX/XXXX. I was alerted by a lender that I had recent collection accounts and determined this was part of the reason. This cost me a lower credit limit, denied credit and limit increase and a denied auto loan. 

Enhanced Recovery is also frequently updating my XXXX credit report - showing date reported as most recent as XX/XX/XXXX. According to XXXX this account in question was first reported as a collection account in XX/XX/XXXX-XX/XX/XXXX. Same as above I was alerted by a lender that I had recent collection accounts and determined this was part of the reason. This also cost me a lower credit limit, denied credit and limit increase and a denied auto loan. 

I disputed this and they responded the information was accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit file, incorrect information was found in my reports. The XXXXn/ExperianXXXX Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the items that are reporting on my Credit Reports : Inaccurate Name : XXXX XXXX, XXXX XXXX Inaccurate XXXX XXXX XXXXXXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX Updated : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Date XXXX : XXXXXXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX, XXXX XXXX XXXX XXXX Owed XXXX {$1000.00} XXXX XXXX XXXX XXXX XXXX Owed : {$6400.00}, XXXX XXXX XXXX XXXX Owed : {$3100.00}, XXXX XXXX Balance XXXX : {$2200.00}, XXXX XXXX XXXX XXXX XXXX Owed XXXX {$1100.00}, XXXX XXXXG XXXX Balance Owed : {$420.00}, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXXXXXX XX/XX/XXXX, XXXX XXXX XXXXXXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXXT XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXXXXXX XXXX  XX/XX/XXXX, XXXX # XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX
Product: Checking or savings account

I have an account with Chase and use mobile banking. 
I was hacked and an unauthorized payment was made through the Chase App via XXXX to XXXX XXXX. 
Because this payment was made through my Chase App, ChasXXXX reviewed the transaction and said it was not fraud. 
Chase then instructed me to file a complain with XXXX.

Chase and XXXX both deny any accountability and neither will help to resolve this fraud. 
In order to for XXXX to further investigate they need the email or phone number used for the XXXX payment. 
Chase will not give me the details of the payment I made - citing customer privacy. But this is my account and in order to make this payment, an email or phone number must have been added? Which I do not have because this is fraud. 
This is a terrible abuse of power and lack of concern for the consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

This was an illegal repossession followed by illegally reporting on my credit report ; this should have been investigated and corrected immediately. You failed to do so, REMOVE IMMEDIATELY. 

BMW FINANCIAL SERVICES XXXX Date opened XX/XX/2019 Balance {$47000.00} ;
Product: Debt collection

A charge off is considered a certificate of indebtedness which means it is income and must be removed.
Product: Credit reporting or other personal consumer reports

I looked over my credit report recently and noticed a fraudulent account. Please delete this account from my credit report.
Product: Debt collection

A XXXX  party is claiming rights of possession, XXXX XXXX XXXX, a broker at XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX we were shookenn up by an unanounced search and seizure by the XXXX XXXX XXXX police on a pending case of title dispute/forgery, duress, where parties have not complied in returning the warranty deed of XXXX XXXX and XXXX XXXX to XXXX XXXX nd XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) for the XXXX already collected plus the XXXX given to XXXX XXXX  XXXX prior the XXXX  servicer sold the loan for collections to XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Im reaching back out to you guys because you assisted my with some items on my credit that werent mine. There are still two items on my credit that I know nothing about. XXXX XXXX and XXXX XXXXl XXXX. This sound like something dealing with some type of medical. Im doing this on my own behalf and have already contacted the FTC and my local police. I have been on my job for over 10 years and have full benefits I have no need to go to the doctor without being able to pay. Please remove these items from my credit.
Product: Credit reporting

I am in bankruptcy since XX/XX/2015. I have been utilizing XXXX to monitor my credit and score since then. With this week 's XXXX update my scores ( transunion and XXXX ) were finally high enough to pursue a business opportunity. The company I was working with pulled a hard credit report through XXXX and much to my dismay one of my scores ( transunion ) was no where near what XXXX had reported, the second score ( XXXX ) was nearly the same and the third score was super low. All XXXX reporting various negative information post bankruptcy petition filing. Also as part of being in bankruptcy we should be offered all bankruptcy protections including the automatic stay which prevents negative credit information from being reported from the time of bankruptcy filing, i.e. XX/XX/2015. XXXX ( transunion, XXXX, and XXXX ) had XXXX different accounts reporting both being included in bankruptcy and reporting late payments post petition filing. These reporting of late payments are illegal, as well as hitting my credit score two times each. Once for being in bankruptcy and another for being late thus killing my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a loan with a company by the name of XXXX XXXX. The Loan that I had is no longer on my credit report the co-signer that I had on the loan, made a claim that it is on his credit report. The account is no longer showing up on my report, and I did indeed have a loan at XXXX. I borrowed from the loan company three times. These are the following dates. 

XXXX XXXX- Opened XX/XX/XXXX Closed XX/XX/XXXX XXXX XXXX- Opened XX/XX/XXXX Closed XX/XX/XXXX XXXX XXXX- Opened XX/XX/XXXX Closed XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of purchasing a car for my daughter & I got pre approved by  XXXX   XXXX  ... I contacted  XXXX  dealerships  (   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   )  & forwarded my pre approval with   XXXX    XXXX  but they still ran my credit without my consent ... They knew I had a pre-approval & I wanted to go with  XXXX   XXXX  ... I emailed them my pre-approval as well so they would know the condition of my car loan ... Now I have all these hard inquiries on my credit report which should not be there ... The only  one  that should appear would be   XXXX   XXXX   XXXX  &  XXXX   (  my credit union ) which I applied with before I got my pre approval with  XXXX   XXXX .  XXXX   XXXX ,  XXXX   XXXX ,  XXXX   XXXX  &  XXXX   XXXX  should have not ran my credit ... I have attached the emails between the two dealerships showing they knew I had a pre-approval through  XXXX   XXXX  ... Please have them delete these HARD inquires of all three credit bureaus ... Greatly appreciate it ... Thank you ...
Product: Credit reporting, credit repair services, or other personal consumer reports

Around XX/XX/2019, we started getting numerous phone calls from MRS . I didn't recognize the caller, and the phone they were calling is mostly just a landline for the computer. At one point my wife had had enough and answered. She was told they were trying to collect a debt owed by someone with my name. She apparently talked to the " nice man '' for awhile and wrote down a number for me to call him back. Other than being mad that she even talked to this person, I know that I am not behind on any bill and that I have received nothing in the mail saying I owe anyone anything. I figured it was a scammer. I did not call the " nice man ''. They continued to call. I finally answered. I asked what it was about. They said debt collection. I told them that I am not even one month behind on ANY bill, have not been, and they obviously have the wrong person ( There are 2 or 3 people with pretty much the same name as mine in my town ). I told them it is not my debt and stop calling me. Never heard from them again. Now I see that my credit score has inexplicably dropped 100 points, so I check with XXXX. They list a collection put on my record at about the same time as I told MRS to stop calling. MRS is the collector, $ 1200+ for XXXX XXXX XXXX ( I haven't had an XXXX XXXX XXXX  account for as long as I can remember ). There was also an address for me in Indiana. Have never lived outside of Ohio. There was a variation of my SS #, they only show the last 4 digits, it was off by 2. XXXX  wouldn't let me dispute the address because " more than one creditor listed it for you '' The 2 " creditors are MRS BPO and MRS Associates, ONE creditor gaming the system to make it impossible for a person to correct their credit report until they pay extortion money, apparently. Since I'm not in need of additional credit any time soon, I'm not over their barrel. This was put on my credit report fraudulently, without any proper notification of any debt owed. How is it possible for these scam artists to place totally bogus information into someone's credit report? Shouldn't there be some type of alert sent when a new address, SS # or a collection account is put on an otherwise squeaky-clean report?
Product: Credit reporting or other personal consumer reports

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report in accordance with the Fair Credit Reporting Act. Additionally, send me any supporting documents you may have for this request : 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

I WAS DENIED AN EXTENSION OF CREDIT BY J.P MORGAN & CHASE ON XX/XX/XXXX XXXX, I APPLIED FOR A CREDIT CARD WITH J.P MORGAN & CHASE AS YOU MAY BE AWARE, IT IS AGAINST FEDERAL LAW IN ACCORDANCE WITH EQUAL CREDIT OPPORTUNITY ACT TO PROCLAIM AN ADVERSE ACTION AGAINST A CONSUMER. PURSUANT TO 15 U.S CODE 1691 ( C ) YOU ASSUME CIVIL LIABILITY PURSUANT TO 15 U.S CODE 1691 ( K ). J.P MORGAN & CHASE HAS VOILATED MY FEDERALLY PROTECTED CONSUMER RIGHTS : 15 U.S. CODE 1642 15 U.S CODE 1681 M, 12 CFR 1002. MY APPLICATION WITH SIGNATURE IS THE COLLATERAL. THE NOTE FOR EXAMPLE IS THE PROMISSARY NOTE. THEREFORE, THE APPLICATION SHOULD IN TURN BE GRANTED INTO A PROMISSARY NOTE WHICH MEANS I SHOULD HAVE AN ACCOUNT/CREDIT WITH A CREDITOR AUTOMATICALLY. I WOULD LIKE MY ACCOUNT TO BE OPENED AND MY CARD SENT TO ME ASAP. 

J.P MORGAN & CHASE ALSO USED XXXX XXXX TO HELP MAKE THIS DECISION WHO ALSO REPORTED FALSE AND MISLEADING INFORMATION! 

SINCE THE LETTERS THAT WAS SENT TO ME DATED XX/XX/2023 AND XX/XX/2023 IS BOTH PROOF AND EVIDENCE THAT I HAVE BEEN DISCRIMINATED AGAINST, J.P MORGAN & CHASE ARE ALSO CRIMINALLY LIABLE. J.P MORGAN & CHASE SHOULD RESORT TO REASONABLE PROCEDURES TO RECTIFY THIS AFFAIR AND COMPENSATE ME FOR THE USE OF MY SECURITIES. OTHERWISE, THIS WOULD BE CONSIDERED SECURITIES FRAUD SINCE I HAVE RECIEVED ( NO BENEFIT ). 

FOLLWOING THIS INITIAL ATTEMPT TO RECTIFY, I WILL BE SENDING AN INVOICE TO COLLECT ACTUAL DAMAGES FOR SAID VOILATIONS.
Product: Credit reporting or other personal consumer reports

I am writing to request an investigation of the following information that appears on my Early Warning Systems consumer report. I have never opened or used the following account numbers. I am a victim of Identity Theft and Data Breach. According to FCRS 605B15U.S.C. 1681 C-2 You have 4days to remove the accountsXXXX 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 XXXXXXXX Inquires are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I mailed a request for information to Bridgecrest dated XX/XX/2024 with certified mail tracking number XXXX XXXX XXXX XXXX XXXX. In that request i asked for Bridgecrest to investigate information being reported to the consumer reporting agencies that i believe to be inaccurate as well as provide me with any additional account level documentation in addition to the following information : Account number Account open date Account closed date Date of first delinquency Charge off date Date of last payment Current balance Bridgecrest responded with a letter dated XX/XX/2024 Bridgecrest did not provide a sufficient response ( See attached documents ) In that letter Bridgecrest stated if i had any further questions i could contact them at XXXX. I contacted them on XX/XX/2024 in regards to their verification of accurate consumer reporting and insufficient response to information request. 
I spoke with XXXX who was unable to assist me.
Product: Credit reporting or other personal consumer reports

Subject : Second Dispute Identity Theft Request for Removal of Fraudulent Accounts Dear Sir or Madam : I am writing to you regarding a prior dispute I submitted as a victim of identity theft, in which I requested the removal of fraudulent accounts that are negatively affecting my credit report. Despite following the proper procedures, the following accounts remain on my credit report : XXXX  XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX These accounts were not opened by me, and I have no knowledge of them. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c-2, I have the right to request the immediate removal of any information related to fraud or identity theft from my credit file. Additionally, the law requires credit reporting agencies to respond adequately and diligently to disputes. This is the second dispute I am filing on this matter without receiving a proper resolution. 
I have also attached a copy of the identity theft report that I filed with the relevant authorities, in accordance with the Identity Theft and Assumption Deterrence Act ( 18 U.S.C. 1028 ). This law penalizes the creation and use of false or fraudulent identifications, which is pertinent to this case, as my information was used without my authorization. 

Furthermore, I refer you to the case of " XXXX XXXX XXXX XXXX '', XXXX XXXX. ( XXXX  ), where the court held that credit reporting agencies are responsible for conducting thorough investigations when receiving disputes related to errors in credit reports. The failure to adequately investigate my case may constitute a violation of the FCRA, exposing the agency to additional liability.
Product: Credit reporting or other personal consumer reports

I hope this letter finds you well. I am writing to express my dissatisfaction with the first attempt made by your company to remove fraudulent items from my account. 

I discovered unauthorized transactions on my account, which I promptly reported to your customer service department. I appreciate the swift response and initiation of the investigation. However, after the first attempt to remove the fraudulent items, I am disappointed to inform you that the issue persists. 

Despite providing all the necessary information and documentation as requested, it seems that the resolution process has not been as effective as expected. I understand that addressing fraud cases can be challenging, but the lack of success in the initial attempt raises concerns about the efficiency of your fraud prevention measures. 

I urge your team to thoroughly review my case and take immediate action to rectify the situation. It is crucial for my peace of mind and financial security that these fraudulent charges are promptly removed from my account. 

Additionally, I request transparent communication regarding the steps being taken to resolve this matter and prevent any further unauthorized access to my account. A timely and comprehensive resolution is essential to restoring my confidence in your company 's ability to protect its customers from fraudulent activities. I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX XXXX Balance XXXX {$3100.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$200.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX {$150.00} 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 XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$3100.00} XXXX XXXXXXXX XXXX Original XXXX : XXXX XXXX XXXXXXXX XXXX XXXX  XXXX Balance : {$150.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance XXXX {$3100.00} XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX : {$200.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$150.00} 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