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

# 1 ( JPMCB  ) I received hard inquiry on my credit report showing that I applied for a product. I called to verify that I did not apply for any new services or products from company. They informed me that I would have to contact my credit bureau to dispute this transaction because it was no longer in their hands. When I noticed the hard inquiry in the account it was XX/XX/XXXX from JPMCB card. I called on XX/XX/XXXX thru XX/XX/XXXX. 

# 2 ( ) XXXX XXXX XXXX offered a loan through their program. When applying they stated that I will not receive a hard inquiry on my report and as I come to find out, I did indeed receive a hard inquiry. On top of that the agent whom I was working with informed me that the loan was denied and couldnt move forward. I then received a called from her supervisor and manager stating the they do apologize for the miscommunication and error on behalf of my account but the loan which was applied for was approved. They went on to say that the agent whom I was working with was a new hire and was just learning how the loan process works. I did not go through with the loan and ask if they could remove that information and inquiry off my credit report. They informed me how to contact XXXX or the other credit bureaus to have the loan inquiry removed due to the negligence on their behalf.
Product: Checking or savings account

On XX/XX/XXXX, I had several issues with accessing all features of my JUNO debit card. All purchase transactions were declined without notice and withdrawals were not possible. updates have been provided but not an expected date of resolution.
Product: Credit reporting or other personal consumer reports

On XX/XX/2023 I sent out certified letters that including a demand for removal of late payments, a copy of my ID, A copy of my Social Security card, and a copy of my utility bill. I am requesting removal of late payments. Late payment entries on my credit report that are inaccurately portraying my credit history were reported in violation of the federal law. Pursuant to the Fair Ceedit Reporting Act specifically Section 623 of 15 USC 1681s-2, Responsibilities of furnishers of information to consumer reporting agencies. Please be advise that furnishers of information such as XXXX, XXXX, and Transunion have a duty to provide accurate and complete information. Section 1681s-2 of the FCRA outlines the following specific responsibilities for furnishers of information : Duty to Provide Accurate Information : Furnishers must provide information to consumer reporting agencies that is accurate and complete, and they must investigate any reported inaccuracies. 
Duty to Correct and Update Information : If the furnisher discovers that information they previously provided was inaccurate, they must promptly correct and update that information. 
Duty to Report Disputes : If a consumer disputes the accuracy of any information furnished to a consumer reporting agency, the furnisher must conduct a reasonable investigation and, if necessary, modify or delete the disputed information. 
It is evident that XXXX, XXXX, and Transunion has failed to fulfill its obligations under 15 USC 1681s-2, resulting in the inclusion of false late payment records on my credit report. These inaccuracies have had a profoundly detrimental impact on my creditworthiness, limiting my access to credit and causing undue financial distress. 
I, therefore, request the immediate removal of all late payment notations from my credit report, as well as any related negative impacts on my credit score.
Product: Credit reporting or other personal consumer reports

They have a block on my credit file. Asked me to send in the documents in which I did. And everytime I call their requesting the same documents stating theyre not clear. In which I know they are. The documents that are sent I are in color and is presented clear as day
Product: Credit reporting, credit repair services, or other personal consumer reports

As I reviewed my recent report, I have found a lot of erroneous information reporting on my TransUnion Credit Report. I am not sure if you have conducted a thorough investigation for the following items : XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$2700.00}
Product: Debt collection

I am writing to dispute a collection account reported by National Credit Systems for {$7800.00}, opened in XX/XX/year>. This account is not mine, and I have no knowledge of or affiliation with this debt. 

This entry is inaccurate and must be removed from my credit report immediately. Please investigate this matter with the creditor and provide verification of the debts legitimacy. If verification can not be provided, I request that the account be deleted in accordance with the Fair Credit Reporting Act ( FCRA ). 

This account appears on my XXXX credit report and must be removed immediately. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, GA XXXX
Product: Prepaid card

On or About Late XXXX XXXX XXXX Someone Committed Fraud on My Account Transferring Money to Unknown Accounts and ATM WITHDRAWALS All Together BoA Let Them Take Out Around {$26000.00} I Sent Them All The Information They Asked For just For My Account To Be Frozen Every Time it Is Now XXXX Later an they Have not Given me Anywhere Near That Im Tired of My Claims Being Denied An Them Blaming Me For Their Mistake
Product: Consumer Loan

i went on a 7 month deployment XX/XX/2016 my car was left in the care of someone while my wife left the state they left it in a parking garage and someone stole the wheels from the car. i reported the car stolen in XX/XX/XXXX or XX/XX/XXXX because it was not parked where it was said it was parked. they found the car in XX/XX/XXXX it was stored in the insurance lot from XX/XX/XXXX until XX/XX/XXXX when it was placed in the lot all that was said was wrong was the wheels had been stolen. my wife had contacted XXXX and they stated it was just the wheels we paid {$400.00} dollars to get the car towed to a collision center. while at the collision center they told us that the car was totaled they would not work on the car due to the interior was ruined with mold all over the interior including all electronics. we tried to get XXXX to send another adjuster to look at the car and they refused to send someone out to look at the car. XXXX only gave us money for the wheels and closed the claim. the car was sitting in the collision center for 3 months before everything was said and done with the insurance claim with a storage fee of {$95.00} a day. i had no option but to have navy federal reposes the car because i could not afford to repair the car myself and get it out of storage. the car has since been repossessed and sold. i had to get another car loan through a car agency. and tried to refinance the car i no longer had to lower the payments so i did n't have to make 2 car payments of {$400.00} a piece for a car that i no longer have. i was denied the refinance of the vehicle.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit report and found a few items to be in error. I have attached and FTC report and my letters for each bureau to this complaint.
Product: Checking or savings account

On XX/XX/2018 I deposited a {$100000.00} check to my Chase checking account from a family member. The amount was paid from the payor 's account on the next business day. 
Chase however put a hold on the deposit, and insisted that it must receive confirmation from the payor bank that the check had been paid. Chase is unwilling to confirm that Chase has received the funds. It appears that as a matter of policy, Chase puts a hold on ALL large deposits and waits until the very last day allowable under Regulation CC, the seventh business day ( in this case XX/XX/2018 ), to release the funds, even though Chase has and can ( but chooses not to ) confirm that it has received the funds from the payor bank. I believe this is an abuse by Chase of the discretion provided by regulators to banks under Regulation CC to put holds on large deposits. The purpose of the regulation is to prevent losses incurred by bad checks, not to provide banks with an opportunity to earn interest on deposits for a few extra days after good checks have already been paid. Thank you.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and report instances of identity theft related to a fraudulent bankruptcy filing appearing on my credit report. Upon reviewing my credit report, I discovered a bankruptcy record that I did not authorize or recognize. This letter serves as an official complaint and request for investigation into this unauthorized activity. 

Details of Identity Theft : Bankruptcy XXXX XXXXXXXXDischarged Filed on XX/XX/2017 Reference number : XXXX -This filing has Nature of Dispute : Identity Theft/Bankruptcy Fraud -I did not file for bankruptcy, nor am I associated with the bankruptcy proceedings listed on my been fraudulently made using my personal information without my consent. 

I have already taken the necessary steps to report this instance of identity theft to law enforcement and have obtained an Identity Theft Report from the Federal Trade Commission ( FTC ). Enclosed with this letter is a copy of the Identity Theft Report for your reference. 

I request that you conduct a thorough investigation into this fraudulent bankruptcy filing and take immediate action to remove it from my credit report. As a victim of identity theft, it is imperative that my credit report accurately reflects only legitimate and authorized activities. 

Please provide written confirmation once this unauthorized bankruptcy filing has been removed from my credit report. I also request a free copy of my updated credit report for review.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted all three credit bureau to no avail. They are reporting multiple alias names and incorrect address that are attached to former spouse and relatives that are not my information. My name should on appear on my credit report as XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX from recent nuptial. 

My address section should only reflect the following addresses in my life. 
XXXX XXXX XXXX, XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX APT XXXX, XXXX, SC XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX. XXXX XXXX GA XXXX
Product: Credit card

Called to remove auto-pay on the account they refused and said I had to add a different account to pay with. This was not required to open the account. My husband was diagnosed with XXXX XXXXXXXX XXXX again his hours at work are XXXX of normal during treatment. We decided to us a debit relief service this way we pay our debit but cant do that if the credit account. Makes there own rules. They flat out refused to remove auto pay and also refused to let us change the phone number on the account
Product: Credit reporting or other personal consumer reports

Unauthorized charges were made to the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The following inquiries are fraudulent : XXXX  XXXX XXXX XXXX XXXX XX/XX/20XXXX XXXX XXXX XXXXXXXX XX/XX/2023
Product: Credit reporting or other personal consumer reports

I contacted the company for debt validation which I never received. Per a complaint I filed they said it had taken over 30 days. I have yet to received debt validation and the company is still reporting to all credit bureaus after saying they would remove the information from my reports
Product: Credit card or prepaid card

On XXXX there was a charge of XXXX dollars it was I guess it was to see if the card was good and than than XXXX each month after until XX/XX/2022. I was not aware of these changes which I did not authorize. When I found out I contacted the cc Fortiva to dispute these charges they gave me the company who fortunately charge the card, and they tried to reverse the charges but the cc company block them. I have a email from to prove it. I believe someone in the cc company was responsible for this.
Product: Payday loan, title loan, or personal loan

I got a payday loan and my payments were current until XXXX when I separated from my husband. I have received numerous collection calls both on my personal cell and at my place of employment. My supervisor has told the company over and over that I am not allowed phone calls at work, yet they continue to harass me. I told them that I would pay them off as soon as my income taxes came in, however, they persist in calling my employer. Today, my boss specifically called me into her office when she called and I heard her tell the company that I was not to receive calls at work or else I would lose my job. The company manager replied, that she would continue to call because I had signed a paper saying she could call. My boss then told me if she calls again, I will be terminated. From everything I am reading, the finance company should cease harassing me at work. While I was on speakerphone with both my boss and the company, she disclosed personal payment information that was confidential as well.
Product: Debt collection

They keep threatening me and my family and I fear for my life and safety all over a debt that belongs to the thieves that took my identity in XXXX. I shouldnt have to fear for my life and I shouldnt have to be harassed by this company and nothing gets done about it. I fear for me and my families life dealing with them at this point.
Product: Debt collection

I am writing to demand the immediate removal of a fraudulent account from my credit report. Upon reviewing my credit report, I discovered an account that is the result of identity theft and fraudulent activity XXXX XXXX XXXX, XXXX XXXXXXXX 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: Checking or savings account

On XX/XX/year> I received an email stating that my account was closed due to risk, without any further information. I called the company multiple times without resolution. My tax refunds, in excess of $ XXXX ( not disclosing actual amount here ) are expected to be directly deposited within 7 days and now I wont have access to them, have to wait for a check, hope theyre transferred to a connected bank account, or they'll be returned to the IRS . I havent used this account for anything yet and solely opened it for my tax returns. There has been zero risk. If I dont get my returns in a timely manner, this will negatively impact me financially and cause undue hardship and stress. Credit Karma is operating in very unprofessional standards, apparently with several other consumers as well by unexpectedly closing accounts. I hope this hits the company in court. 
I will not pursue further action if my funds are received as expected, without delay. Reinstate my account so that I can ensure I receive my funds. Then I will close it myself. Credit Karma needs to discontinue all save & spend accounts in its entirety due to unprofessional management. XXXX XXXX will also be receiving official complaints.
Product: Debt collection

I have reached out to this company several times one time I was offered a debt settlement then they took out a different amount and I kept requesting everything in writing they never sent me anything in writing for verification of the final date or a final that agreement none of which was ever sent to me. Now Im getting calls from a company called coastal XXXX and yet there I requested debt validation and original call original copies of the of the agreement none of which has been provided to me coastal XXXX has a number of XXXX I asked them for a fox a mailing address or an email and then it which has been provided to me also
Product: Checking or savings account

In XX/XX/XXXX, my online access was denied to my Citibank accelerated savings account. 

I called the bank and they stated, first I did not have access to this account. I contacted them again in XXXX of XXXX and requested they find another way to access my account. When I was able to discuss my account status, they would not provide me with any information and said to " wait for a letter in the mail '' I called again in XXXX and XXXX with the same response. 

In XXXX of this year, I finally received a letter dated XX/XX/XXXX stating " The account was not closed. The account was restricted status which prohibits debits and credits from the account. Our records reflect your account balance is {$0.00}. You will receive a final statement in accordance with your statement cycle '' Please note : I have only had ONLINE access to my account, I have NEVER received a physical statement. I am not even sure I will see a statement. 

Please note : my account balance was not {$0.00}. It was in the neighborhood of {$6000.00} however I do not have access to my account nor a physical statement. 

There are many reports online about this same issue and XXXX reported on this just in XXXX of this year! 

Please help me
Product: Debt collection

The vehicle in question was purchased and financed on XX/XX/2017 by BridgeCrest and was repossessed in the state of Oklahoma and sold by an unknown company on an unknown date. I was not notified about any of the above. I wasnt served certified or notified of any of the information. My credit report states it was an involuntary repossession with {$8900.00} owed Under the laws of Oklahoma and UCC 9.506 as well as State RISA and MVISA statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. 

I have not received proof that the repossession of the subject vehicle was legal in accordance with the following UCC : 9-506. EFFECT OF ERRORS OR OMISSIONS. 
9-611. NOTIFICATION BEFORE DISPOSITION OF COLLATERAL 9-612. TIMELINESS OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL. 
9-613. CONTENTS AND FORM OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL The alleged claim of a deficiency should be considered null and void, and any continued collection activities, or continued reporting of this invalid claim on my credit reports should be considered a violation of the FDCPA and FCRA. 

In addition, they have singularly or severally fail to comply with the above requests, I reserve the right to seek damages against all parties, under all available State and Federal statutes and including but not limited to UCC 9-625 remedies. 

Furthermore, at no point in time and under no circumstances is this company ; an employee of your company ; a representative for this company or affiliates to contact me or any family members by any means other than the US mail system.
Product: Debt collection

Credit control LLC. Called me to inform me they had just bought my debt from XXXX I owed XXXX XXXX dollars credit control called me saying my balance was XXXX and I have documents showing it's not then they told me it's because a debt collection fee it went up that much
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted all 3 credit bureaus ( Transunion, XXXX, and XXXX ) because an original creditor, XXXX XXXX has been reporting in accuracies on my credit report. This creditor has used tactics to re age an account that negatively reports every month for the past 5 months. The account has been charged off, but they report it on my account as if it is a new account and when it is disputed, XXXX XXXX immediately updates the dates as this account is new or closed but still reports. I have written to the credit bureaus stating that this was in violation and without proper investigation especially with compliance these accounts had to be removed because they were clearly violating the law. 

The credit bureaus refuse to remove these account from creditor, XXXX XXXX as I have clearly proven to them that they are in violation.
Product: Credit reporting, credit repair services, 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 XXXXXXXX 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 ) person shall not furnish any information relating to 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

I have tried SEVERAL times submitting the 2 attached FTC reports to Experian, XXXX and XXXX via mail and online and none of the companies are taking any action. I need the following FTC reports processed ASAP.
Product: Debt collection

Sectio n 392.101 of the Texas Finance Code pro hibits a third-party debt collector or credit bureau from engaging in debt collection in Texas unless the third-party debt collector or credit bureau has obtained a  surety  bond and filed a copy of the bond with the Office of the Secretary of State.      CREDIT SOLUTIONS, LLC does not have a surety bond filed with the Office of the Secretary of State in TEXAS. All c ollection attempts must cease and information must be removed from credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax dont want dispute UNAUTHORIZED inquiries on my credit report. keep telling me, I have to call banks and ask them to send Electronic notification to remove those inquiries ... its been a week now, I called banks but they unable to find anything in their system under my full name or ssn. So they cant send anything to equifax ... called back equifax again, explaining what banks told me, but they keep telling again same story ...