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

To Whom It May Concern : According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I must emphasize that the required original creditor 's documentation has not been provided to me, as required by FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). The absence of a consumer contract with my signature is notable. According to FCRA Section 611 ( 5 ) ( A ), you are obligated to " promptly DELETE all information which can not be verified.
Product: Debt collection

I can not give you any information about this company because this company never sent me a bill statement, documents, any Letterhead company letters, in any fashion unto me ever since the debt from XXXX XXXX, that was sold to Jefferson Capital Systems LLC posted this debt on my Credit file. The amount of the debt was {$5600.00} and the balance {$5000.00}, I never paid any difference to this debt that leaves this balance on me to pay. This debt is from a school that I did attend from XX/XX/XXXX and graduate XXXX and then try to go back after graduation to get my bachelor 's degree, but my disability caused me to not be able to continue study and I stopped online school in XXXX. I did try to dispute this debt online with XXXX and XXXX, but I did not get the dispute that I needed. Please help.
Product: Checking or savings account

I open an account at well Fargo bank n was approved, XXXX month later they closed the account without any proof of why?
Product: Credit card or prepaid card

About a year and a half ago, I was told by my previous credit card company ( XXXX ) that they had transferred my account to Barclay 's. They gave me a number to call for Barclay 's. I called and was told that there was no account transferred from XXXX. I waited a month and called again. Same result. I finally found an address for them and wrote to them. A card came in the mail about 3 months ago. I activated the card, began using it, and created an online account where I was managing payments and charges. Then I got another card in the mail, with a different account number. I haven't activated it because I don't want another credit card account. I asked them several times why I got the second account. I have not received an answer. In the meantime, they closed the first account. I have no access to using it for charges OR for making payments! Now, I got a letter in the regular mail telling me that I am being charged because my payments are being returned because the account is closed! 
So now, since the account is closed, I can't even send them messages. The attached message is the last one received by them where they try to explain " Bank Account Closure. ''
Product: Credit reporting

I have sent in a letter to have Account # XXXX VALIDATE on my profile. It has been over 30 days and Equifax is stating their doing an reinvestigation. Please correct or remove this information off my profile as it effects my ability to obtain correct. Also, please address the other accounts listed on the letter as well. It 's has been over 30 days for all accounts and other information listed on this letter.
Product: Checking or savings account

On XX/XX/2021 I received email notification about a new ChimeXXXX account opened in my name that I did not apply for. I later received a ChimeXXXX debit XXXX card in the mail at my address that I did not request. The account and associated card were fraudulently opened using my identification. 

I contacted Chime by phone and by email. After a days-long series of communications with Chime support and after supplying information they requested, Chime said they would close the account. 

I also contacted them by mail asking for the card to be cancelled and related accounts closed. I specifically asked to be notified in writing, preferably by paper mail, once the above actions had been completed. I never received any written confirmation by mail from Chime. 

I further requested whatever additional information they could provide on the identity or location of the person ( s ) responsible for the fraud so that I could include this in the report I filed with my local PD. I never received any additional information. 

I reported this fraud incident on the FTC 's XXXX site. To the best of my knowledge, no action was taken by the FTC based on my report. 

Because the card I received was issued by XXXX XXXX XXXX, I also reported the fraud incident to the FDIC. Banks are required by law under the Bank Secrecy Act and USA Patriot Act to have a customer identification policy which ensures that they verify the identity of prospective customers before opening accounts. That clearly had not been done in my case. XXXX did reply to my FDIC complaint. However, it was clear from XXXX response that they are entirely reliant on Chime for account management and customer identity verification. So I am refiling my complaint with the CFPB in hopes that they are the right agency to provide oversight. To the best of my knowledge, no action was taken by the FDIC against either XXXX XXXX XXXX or Chime Financial Inc. for apparent violations of the BSA and USAPA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've sent three credit report disputes to Experian, XXXX  and XXXX. The total amount for the loans are {$9200.00}. I've sent out disputes on the dates of XX/XX/2020 XX/XX/2020 and XX/XX/2020. I've constantly have asked for proof of verification on these accounts but haven't received any proof at all.
Product: Credit reporting or other personal consumer reports

I have no knowledge of these hard inquires showing on my account. The hard inquires are a result of an identity theft and it must be removed. as per 15USC 1681 C2. 

XXXX  XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX
Product: Credit card or prepaid card

Bank of America owes me XXXX. 

They claim they sent a balance refund check to me on XX/XX/XXXX by mail, for a total of XXXX but I didn't receive it. This is money they owe me from a purchase I made with the card, that was refunded to the card by the seller due to covid. 

I called Bank of America in XXXX to let them know I didn't get the check and was told by them that mail was taking long to wait a bit more. 

On XX/XX/XXXX I called them again because the check didn't come, and they said the check bounced back to them by the mail carrier as not-deliverable. So they now had the check back with them. 

They told me I could request the check to be stopped by them and instead they would send me the refund money to my checking account -- I gave them my account details. I was told it would take 10 days for the approval and 3-5 days to get my refund back.

I called back since then 7 times and each time the staff give me different info, some told me the request wasn't in, others told me that the stop check request was invalid, I chatted with them online as a result to document the information and they told me, promised me, that I would get the money within 15 days of XX/XX/XXXX, but it is now XX/XX/XXXX and still nothing. 

I was also told that a manager would call me, but they never did. This happened XXXX -- managers failed to follow up with me I called them today, XX/XX/XXXX and was told that my request to stop the check and to get my money refunded to me was denied -- but this is my money. And they said they'll put in another request. They even implied that because it was put in as a refund instead of a payout it was denied -- their terminology is not my concern. I really need my money. 

I was told they were going to request it again today for me but I no longer trust them. In a few days it will be 3 months since this money has been in their hands, my money, and I need your help. 

It seems they are just keeping it with invalid excuses as to why they won't give me back money that is mine. 

Per XXXX, a manager at Bank of America I spoke on the phone with today XX/XX/XXXX, the money that Bank of America owes me : XXXX, was not approved to be given back to me. This is money they owe me, from a credit refund balance, since XX/XX/XXXX, so it's mine. He claims he doesn't know why it was denied, but it's my money. He said he'll try again. But not guaranteed.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds immediately stating the account is accurate without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 USC 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifaxs actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPBs recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with the necessary proof of the investigation. XXXX XXXX has two accounts on my credit/consumer file through Equifax and these accounts are inaccurate.
Product: Debt collection

This company must remove and all collections against my credit reports immediately. My dispute is based upon the Federal Trade Commission guidelines pertaining to either debt collections as a third-party, or debt buyers in general. The rules are as follows : XXXX. A debt collector/buyer must be bonded and licensed by the XXXXXXXX XXXX XXXXXXXX XXXX XXXX 
XXXX. The debt must be legally collectible within the states jurisdiction where the creditor resides. 
XXXX. Creditor must be given copies of debt collector/buyer license, bonding number with insurance carrier name and address, a copy of any assignment to collect on original creditors behalf, and/or copies on ant ownership transfer with true copy certification. 
XXXX. A debt purchase must have an assignment number and be registered with the XXXXXXXX XXXX XXXXXXXX XXXX. 
XXXX. Any debt not within these guidelines must be deleted from a consumers credit report with prejudice. 
XXXX. This company has posted one or more out dated collection against my credit report. It looks like the account was over XXXX XXXX XXXX, and the information was acquired through a debt XXXX XXXX The collections must be deleted permanently!!!
Product: Debt collection

This company has called my place of employment multiple times. XXXX is the representative who keeps calling me. I spoke with her last week while I was at work onXX/XX/XXXX and told her not to call my place of employment. I received notification todayXX/XX/XXXX that she again attempted to call my place of employment even after specifically telling her not to call there. I again notified her to not call my place of employment.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax did not provide the proper level of security to protect my consumer credit information from being stolen. In addition, Equifax did not notify me not only in a timely manner, but have yet at all to notify of this breach to this day, XXXX XXXX XXXX, when the breach happened from mid XXXX through XXXX. I 've found out through the media and confirmed I was effected through their website. They offer an unacceptable compensation of 1 year free monitoring when I now have to be concerned for far beyond a year.
Product: Credit card

I had my nails done at XXXX XXXX XXXX in XXXX Florida and was charged {$38.00} for my nails and then my credit card was wrongly charged for another lady 's services. The nail salon says they gave me a credit on XX/XX/year>. 

The credit card company is charging me again for {$190.00} from XXXX XXXX on my most recent credit card statement, which cancels the original credit. 

My statements from activity of XXXX, XXXX, XXXX, and XXXX have all 3 of these transactions including the original charge, original credit, and then a recharge.
Product: Credit card

I contacted customer service to figure out how to setup recurring credit card payments at a fixed amount to pay off the balance. I was told they no longer off this service. I feel that this is a predatory lending practice to remove features that limit the borrower 's options to repay the debit.
Product: Credit reporting or other personal consumer reports

please reinvestigate these matters and delete or correct the disputed information as soon as possible
Product: Credit reporting, credit repair services, or other personal consumer reports

My recent report is showing the same account from XXXX XXXX XXXX which is concerning me since I have been disputing this account for multiple times. This XXXX XXXX account was opened without my knowledge and authorization. Thus, I consider this account to be fraud. I have sent multiple written requests to the Credit Bureaus but up until today, I have not received any response from them. Due to their incompetence, I am seeking help from you to help me reach out to the Credit Bureaus and have them remove this account from my Credit Report. There actions have been affecting my credibility as a credit holder.
Product: Credit reporting or other personal consumer reports

I am reaching out to due to a form of identity theft. 
This account is not mine. As a consumer, I am aware that if I didnt give permissible purpose for ONEMAIN to report this account & it was done without my consent & is a form of identity theft per the law. If you fail to delete this account, I will have to proceed to taking further action. 
This account is not mine & needs to be deleted. 

ONEMAIN - XXXX Last 4 digit SSN - XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX years ago I could access every report I wanted present time today I can not access all of my credit reports and I keep getting the runaround for help
Product: Credit card

My chase credit card account was FRAUDULENTLY charged by a vendor called " XXXX XXXX XXXX '' on XX/XX/23 {$290.00} ; XX/XX/23 {$140.00} ; XX/XX/23 {$140.00}. Chase credit card services believes that this charge was by me because according to their investigation they found that two of these charges are by chip usage of the credit card. These charges were not by me, I have never used this vendor. When researched on XXXX, the vendor shows up as a XXXX restaurant in XXXX. The credit card statement states " health & wellness '' for these charges. I tried to explain to Chase 's investigation team ( XXXX and XXXX ) that this is a scam and my information was leaked as an employee of the XXXX department of education ( DOE ) . The DOE experienced a security breach of our personal information, and I believe this could be a result of the security breach. Chase credit cards is giving me a difficult time about removing these three fraudulent charges and is holding me accountable for them. I am requesting support to please get these charges removed from my credit card statement as it was not me.
Product: Credit reporting, credit repair services, or other personal consumer reports

As stated in a previous complaint on Portfolio Recovery Associates, they continue to provide invalid information. According to my lawyer the documents that they have submitted are hearsay and are invalid. In my research this company has done this to other consumers and has been sued in past in favor of the consumer. I would like for negative information to stop being reported on my credit reports and for the account to be removed before this situation has to go to the court of law.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX  XXXX # XXXX - Date Opened XX/XX/XXXX Account Name XXXX XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX  # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX  XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX # XXXX - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of EQUIFAX neglection to keep my information safe and accurate EQUIFAX sent out improper credit scores and information, which in fact has caused me damage. This improper data breach that toke place this spring XXXX and is still happening in fact causing me hardship with getting a home and a vehicle and I would like the corrections to be made. EQUIFAX has also been violating my rights reporting inaccurate information on my consume file without my consent which has caused me opportunities to conduct business now and in the future. I have reviewed EQUIFAX 's data sharing policy which I will include a copy in this complaint. In EQUIFAX 's three page data sharing policy which I found https : //assets.equifax.com/assets/unitedkingdom/equifax_data_sharing_policy.pdf on page 3 pursuant to EQUIFAX DATA SHARING POLICY in the consent section it states paragraph 2 where EQUIFAX states they require the organization ( which are the companys reporting to them ) to keep a record of the consent and to provide a copy of it to EQUIFAX upon request. EQUIFAX says they request confirmation of the consent from the companys as part of a rountine audit or in response to a specific inquiry or concern raised by me the consumer the individual that their reporting these accounts about. Well I have requested a copy of the this consent that EQUIFAX says I gave to them and that they have a copy from each and every company that has been paying them to report this information. Pursuant to 15 US code 6821 Privacy Protection for Customer information of financial institutions ( a ) ( 1 ) ( 2 ) ( 3 ) If EQUIFAX can not furnish this copy of the consent I gave which I have never consented to reporting this information I want EQUIFAX to delete these following accounts immediately because it is fraud and defamation of character. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX - LATE PAYMENTS ( XXXX XXXX XXXX XXXX XXXX ) __ XXXXXXXX XXXX XXXX XXXX XXXXXXXX PAYMENTS XXXX XXXX XXXX ) __ XXXX XXXX XXXX- fraud account, does not belong to me
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the XXXX Credit Bureaus to update or correct this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXX XXXX  XXXX XXXX BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

medicredit inc. 
XXXX XXXX XXXX XXXX XX/XX/2018 {$50.00} XX/XX/2018 {$80.00} XX/XX/2018 {$65.00} i have call medicredit inc. to dispute these 3 payment, even thou they say it was 5 bills .Due to the fact that i m and have for the last 8 yr. being used medical which paid full price for my med. need and that i don't know what XXXX  hopital did wrong that they did't get paid. medicredit ask me can i go to XXXX ill to ask the billing dept to pay these old bills. i don't live no place near XXXX ill
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX of 2022 I purchased a XXXX XXXX from XXXX XXXX of XXXX in XXXX, VA. I took out a loan through them and XXXX takes out loans through XXXX bank. I realized a week or two later that I wanted to switch the loan over to my bank XXXX. I called XXXX and filled out the information necessary for the loan to be switched over to XXXX. XXXX sent the check to XXXX and it was cashed out. XXXX told me the car was paid for and they now had the loan and I began making payments. I am in the XXXX XXXX and was gone for training for a couple months afterwards. I came back home to letters in the mail from XXXX bank saying I have late payments on my loan. I thought I had paid off the loan with XXXX but I found out that XXXX just cashed out the check and never paid off my car with XXXX. XXXX ended up sending a check back to XXXX to pay off my loan with them. I still have my loan with XXXX and the late payments ended up hurting my credit. I submitted a couple complaints to Experian and they were denied and said XXXX needs to send documentation for my credit to be fixed. I contacted XXXX and they have refused to fix my credit. I have attached the check that was sent to XXXX and cashed as well as the documentation showing my loan with XXXX was paid off. I can also send a copy of my orders proving I was gone for training if needed.
Product: Credit card

TO WHOM IT XXXX CONCERN ; DATE of XXXX XX/XX/year> This was an act of an employee from the XXXX store in XXXX Wv at the XXXX XXXX. 
I had used my XXXX 's card multiple times. On this particular day which is the same day the new card was applied for by the lady at the register. 
I had returned an item on XX/XX/year> and after returning it I had decided to purchase some kids clothes for my granddaughter because there was a sale. 
When I went to check out, the purchase would not go through using my existing XXXX 's account. I just had a return item refunded to my account. So the lady at the register took it upon herself to run a credit to apply for a new JCPenney credit card account. 
The lady told me that they must of closed my old account. I asked her what about the balance I owe? The lady said she didn't know but that I was approved for a new account. I don't believe she should have had me apply for a new account without asking me. She said " let me try something ''. She had me enter my SS number. I believed that purpose was to check the status of my existing card? So I thought. 
When I think she should of just called the toll free number to contact Synchrony bank and have me speak to them to ask why the purchase wouldn't go through. As I was standing there another customer had an issue and the lady at the register that was helping him had the customer speak to someone regarding his credit card. I didn't want this card. I paid it off and returned it to the financial company it came from and requested to have it closed. I already have XXXX and I've had it for many years. The lady took it upon herself to do this without actually asking me if I wanted to open a new account. I used the new card and then left. I went to my car and I was going to call the XXXX Synchrony XXXX number and tell them about what happened, I then noticed that I had an alert on my phone in regards to the purchase through my existing card that they were checking for fraud. Honestly I'm not happy with the way that the lady at the register did that. Taking it upon herself to run the information to apply for me a new XXXX card and she didn't tell me till after she did it. Acts like this could be potentially cause for a law suit. I do hope they are more aware of there actions when it comes to using a credit card.