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

The items listed below are reported on my personal credit file and were found in my reports with XXXX credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( XXXX ) are not complying with federal law in regard to identity theft. Additionally, the XXXXedit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX, GA XXXX ; XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX  XXXX XXXX XXXX Balance Owed : {$18.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$830.00} ; XXXX XXXX Balance Owed : {$690.00} ; XXXX  XXXX XXXX Balance Owed : {$700.00} ; XXXX XXXX XXXX Balance Owed : {$170.00} ; XXXX XXXX  XXXX Balance Owed : {$890.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$5400.00} ; XXXX XXXX  XXXX Balance Owed : {$1300.00} ; XXXX  XXXX Balance Owed : {$460.00} ; XXXX XXXX  XXXX Balance Owed : {$0.00} ; XXXX XXXX ( Original Creditor : PROGRESSIVE ) XXXX Balance Owed : {$160.00} ; XXXX XXXX XXXXXX/XX/XXXX XXXX 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

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose Account Info Hover over labels for more details Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Mortgage Balance on XX/XX/XXXX Loan Amount - {$160000.00} Payment Info Status Paid, was past due 30 days Status date XX/XX/XXXX Past due amount - Original loan amount {$160000.00} Monthly payment - Late payments XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX NA - - - - - - - - - XXXX - - - - - - XXXX On Time 30 Days Late NA No Applicable Payment History - Data Unavailable Additional info Responsibility Joint Account Terms Unknown Company sold - Original creditor - Comments- Your statements- Contact XXXX XXXX PL XXXX XXXX XXXX, SC XXXX ( XXXX ) XXXX Is everything correct?
Product: Checking or savings account

( CHASE BANK ) Between XXXX XXXX i received and email notification stating my email address and telephone number has been updated. 
Which i never authorized nor gave anyone permission to change my information. 
Ive been using the same email address and phone number for the last 10 years and still havent changed all of a sudden im received multiple emails in regards to all my financial accounts that the email address has been changed to XXXX And tel number changed to ( XXXX ) XXXX. 
That is not me these are the evidence the fraudster left behind. 
My phone number ( XXXX ) XXXX and email address XXXX is the information i been using and havent changed it but ever since i lost my wallet with including my ca  driver license ive been dealing with so much stressing fraud cyber hacking attacks i have proof of when and where the date when i opened the bank account with chase i also have chase private client accounts along with 2 companys buissness accounts with chase i have supporting documents such as opening agreements if you look back into history you will see my email adress and phone number and user id and pw all has been updated to another information that i have no clue about this is my hard earned working personal accounts woth buissness accounts that all have been compromised and when i call customer service the fraudster had set a verbal password so when i call the customer service is not beliving me and truly listening to what information im stating. The fraudster recently reordered all my credit cards and debit cards personal to buissness and the using my accounts and i have a family to support and a buissness to run XXXX XXXX XXXX XXXX XXXX XXXX  XXXX is the buissness chase account i own but have no access to it i have close to XXXX XXXXXXXX in just that account i have no online access to it ever since fraudster changing all my information ive stepped into branch and spoke to fraud dept but still no help..
Product: Credit card or prepaid card

On XX/XX/2022 I had an appointment with a local dentist for some much needed work. Upon receipt of the estimate for services ( attached ) I inquired about the use of my credit to which they gave me a pamphlet for CARECREDIT by Synchrony Bank. I submitted an application on XX/XX/2022 online. I immediately received a denial letter online ( attached ) which I believe to be in violation of 15 USC 1691.
Product: Debt collection

This person called stating that I owed more than amount on bill. Stating that it was a past due bill and they tried to collect.
Product: Credit reporting or other personal consumer reports

I value your efforts in addressing some of the fraudulent items in my file resulting from an alleged identity theft. However, there are remaining items that require removal. Upon reviewing my records, I observed that several fraudulent entries, not associated with me, persist despite previous correspondence. This marks my 11th communication on this matter. According to Section 605B of the FCRA, it is a legal obligation to promptly remove fraudulent items opened due to identity theft. The disputed items are not linked to my identity. I have attached the necessary FTC Report # XXXX and the required identity verification documents for your reference. Kindly proceed with the removal of the following fraudulent items : -- -- -- -- -- -XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, FL XXXXXXXX XXXX XXXXXXXX Balance Owed : {$3300.00} XXXX XXXX XXXXXXXX Balance Owed : {$1100.00} -- -- -- -- -- -Equifax : XXXX XXXXXXXX Balance Owed : {$3300.00} XXXXXXXX XXXX XXXX -- -- -- -- XXXX : XXXX XXXX Balance Owed : {$3300.00} XXXX XXXX XXXXXXXX Balance Owed XXXX {$1100.00}
Product: Credit reporting or other personal consumer reports

I am disputing multiple creditors including XXXX and XXXX for two car loans that were stolen because of a case I was a victim in All the negative credit is because I was attacked ( XXXX ) by violence and trying to figure out the best way to remove the reports that are incorrect. 
XXXX XXXX XXXX is charged off for the bank not doing anything about the fraud and refused to send me a new card or resolve the fraud that still continues in my life. 
I have been at the bank for 30 years with direct deposits from social security since XXXX 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
I am XXXX I still can not go online to do anything after 3 years.i set up a meeting with XXXX XXXX executive offices to ask for accommodations since they gave me such a hard time when I would go to the bank on person. 
I have voice recognition set up and they still can not resolve my credit card or online banking issues and fraud. They have now charge off my credit line because of identity theft l fraud and refused to assist me. They told me to contact you or the attorney general for help I am a victim please help me with the proper documentation to resolve my fraud issues and continued night are with XXXX XXXX and all the creditors that do not hear what I have been telling them that I have been experiencing fraud etc How do I get my financial life back? 

Sincerely XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed and paid for all 3 credit bureaus to remove the inaccurate information reporting from Account Recovery Specialist
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXXXXXX Balance : {$15000.00} XXXX  XXXX XXXX Balance : {$2500.00} XXXX  XXXX XXXX Balance : {$1800.00} XXXX XXXX XXXX XXXX Balance : {$29000.00} XXXX XXXX XXXX Balance : {$10000.00} This complaint shall be my follow-up to make sure that the listed accounts are verified and repaired.
Product: Debt collection

My name is XXXX XXXX XXXX, I had a pre paid credit card with Bank of America for {$100.00} ( charge off XX/XX/2020 ). 
I left the country and I was not even aware this debt went to collections I left the country for 6 months. I have proof from my employer of my absence here. 
I paid it off as soon as I got back and now that I am ready to buy my house this {$100.00} debt that I have paid infill is hurting my chances to buy my own house, I have tried to reach to bank of America I have begged I have submitted proof of my absence and they simply DONOT care. can someone help me remove this negativity from my report??? 
I will attach proof correspondence and my employer leave of absence. 
can someone please give me a call back in XXXX at XXXX.
Product: Debt collection

I opened a credit card with XXXX ( XXXX ) in XX/XX/XXXX. In XX/XX/XXXX I was separated from service with the XXXX with a debt I could not pay and I remained unemployed until XX/XX/XXXX. The debt was sold to Transworld Systems Inc. in XX/XX/XXXX-XX/XX/XXXX while simultaneously Treasury Offset was initiated by XXXX. Recently ( XX/XX/XXXX ) I received a letter from Transworld Systems Inc ( TSI ) telling me that the balance that I owe was several thousand over the initial debt and that TSI was attempting to garnish my wages. I contacted XXXX to provide me with the initial debt amount, I was told by a representative that they did not have that information. XXXX has collected my tax returns since XX/XX/XXXX leaving me with nothing and has allowed TSI to charge interest on my debt while not providing any evidence to support the continued offset of my tax return. I have contacted TSI for verification of debt with no response. I am currently seeking legal counsel for this blatant disregard of Federal law simply because XXXX is considered a Federal Agency. Please advise or take action on this matter, I am not the only one who has been placed in this situation.
Product: Credit reporting or other personal consumer reports

A hard inquiry by XXXX on XX/XX/XXXX, at XXXX XXXX XXXX XXXX, XXXX, FL XXXX, initiated by XXXX. 

A collection account opened by XXXX XXXXXXXX XXXX on XX/XX/XXXX, with an original amount owed of {$1200.00} from XXXX XXXX, under account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

A collection account opened by XXXX XXXX on XX/XX/XXXX, with a balance of {$2400.00}, under account number XXXX XXXX. 

An installment account with XXXX XXXXXXXX XXXX XXXXXXXX, opened on XX/XX/XXXX, with a high credit of {$720.00}, under account number XXXX XXXX 

An installment account with XXXX, opened on XX/XX/XXXX, with a high credit of {$2500.00}, under account number XXXX XXXX 

An installment account with XXXX XXXX XXXX, opened on XX/XX/XXXX, with a balance of {$15000.00}, under account number XXXX XXXX. 

A revolving account with XXXX XXXX XXXX XXXX XXXX opened on XX/XX/XXXX, with a balance of {$2300.00}, under account number XXXX XXXX 

A revolving account with XXXX XXXX opened on XX/XX/XXXX, with a balance of {$180.00}, under account number XXXX XXXX. 

A revolving account with XXXX XXXXXXXX, opened on XX/XX/XXXX, with a balance of {$5300.00}, under account number XXXX XXXX. 

A revolving account with XXXX XXXX, opened on XX/XX/XXXX, with a balance of {$460.00}, under account number XXXX XXXX.
Product: Checking or savings account

Concerns : Prevarication by JP Morgan Chase Bank ( hereafter JPMC ) concerning the closure of a bank account and release of funds therein.

Timeline. 
On the XXXX XX/XX/XXXX my sister XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX, Florida passed away appointing me, XXXX XXXX XXXX, as Successor Trustee of her estate. 

My first contact with XXXX was on XX/XX/XXXX by letter informing them of my sisters attorneys contact details along with a request for account details. ( XXXX  XXXX ) I was informed by JPMC that in order to close and liquidate the account I needed to supply them with a XXXX Signature Guarantee but the JPMC offices in XXXX do not provide this service. 
After several international phone calls to JPMCs legal department I was asked to provide a letter of instruction, the original death certificate, Spanish identity documents and passport all duly Notarised.. 
These were duly sent to XXXX XXXX XXXX XXXX office in Texas along with a XXXX account number for transfer of funds. XXXX XXXX XXXX XXXX XXXX ) and were received by them on XXXX XX/XX/XXXX via XXXX. 
Meanwhile I learned while phoning XXXX of their agent operatives that JPMC would not do wire transfers in this case but provide a cheque for the amount in question. I added my written agreement as an addenda to the notarised documents. ( annex XXXX ) On the XXXX of XXXX, not having received any contact from JPMC ( they dont use e-mail apparently ) I phoned to see if my instructions were being processed. I was told the process could take up to 45 working days. Meanwhile JPMC sent two letters to my sisters attorney, XXXX XXXX, requesting the very notarised information I had already provided! 
I phoned to query this request and was told to ignore it as they had indeed received my correspondence. 

Both I and my sisters attorney required either the death balance or the relevant XXXX form. As JPMCs operatives do not give information over the phone ( despite a rigorous vetting procedure ) I sent two letters requesting this information. The death balance was sent to me by post from the XXXX. My sisters attorney has not received the XXXX. 

On the XXXX of XXXX the notarised documents were returned to me via XXXX. Since then I have phoned JPMC several times for an update on the proceedings. Each time I have been given contradictory information by the JPMC agents. At first I was told it would take 45 working days then that it was pending but would be escalated. On another subsequent occasion the XXXX of XXXX I was told it would take yet another XXXX working days. ( XX/XX/XXXX at the latest ) That time came and went for me to be told when I phoned on the XXXX of XXXX that it would take yet another XXXX working days! 
I told them during this last call on the XXXX of XXXX that I would no longer tolerate this and if I was not in receipt of the cheque within the next XXXX weeks I would make an official complaint. 

I hope you agree that JPMCs obstruction and procrastination are cause for concern. 
Thank you.
Product: Credit reporting

I have disputed inaccurate info on my credit file for XXXX with Experian for several years yet to this day the inaccurate info remains on my credit file which is hurting my credit score.
Product: Debt collection

I did not consent to authorize nor benefit from the listed account ( s ). Block and Remove
Product: Vehicle loan or lease

Validated payment recieved weeks ago but not yet posted to bank account?
Product: Credit reporting or other personal consumer reports

This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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

This is my XXXX attempt to tell you that I am a victim of identity theft and I complain to question specific items in my document coming about because of the wrongdoing. The items I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any items in my credit report that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported XX/XX/XXXX XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/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 XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This is my refilling of this complaint. I am rewriting to complaint to EXPERIAN about the reported incorrect and inaccurate information on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified. My address is XXXX XXXX XXXX # XXXX XXXX, XXXX  XXXX, and my name is XXXX XXXX. My birthdate is XX/XX/year>. I have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to remove the late payments them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with XXXX XXXX XXXX Section. XXXX that unambiguously obliges a described of the modus. I have attached the FTC report with the report number XXXX as a proof that I am serious on this matter.
Product: Mortgage

My father and I bought this property in XX/XX/XXXX ... My father XXXX XXXX XXXX died in XXXXXXXX XXXX XXXX... I live on XXXX payments, so could not make payments without him. TRIED TO SELL, as we lived as Joint Tenants w Rights of Survivorship, I thought the Deed would just transfer to me. It didn't. So, I saw no choice but to file bankruptcy to stop foreclosure... had to have that dismissed after 14 months ( could not keep up those payments either ). Then I filed for a 6 month protective order, which was granted ... and started a Probate case for my dad 's estate. Found handwritten will. Probate lasted 10 months. Kept attorney for noteholder informed of probate process. Upon receiving Order granting me full ownership, I tried to close a sale ( buyer was waiting for probate to finish ). Title company said there was a foreclosure on record, from XXXX of XXXX ( during the midst of the probate ), so I couldn't sell. This cost me {$45000.00}, which is what I would have made from the sale, after paying off the noteholder. Foreclosure of property in probate is illegal in Texas. Tried speaking with attorney, tried speaking with owner/rep of PACIFIC SW NOTE FUND, LLC... but attorney insisted he did nothing wrong, even though he had told me - four months after the supposed foreclosure sale - that he had not yet filed the Trustee 's Deed, so it could be " undone. '' I was served with eviction papers last month ... just lost " trial '' in JP Court ( even though I should not have ) and am now APPEALLING to Circuit Court. Trying to Counterclaim for Wrongful Foreclosure, but the JP didn't even acknowledge my Answer, let alone the Counterclaim. I'll send you the document so you have ALL the information- it's kind of a long explanation, but necessary. I would appreciate anything you could do ( and I'll give you a great review on XXXX, just for trying ). XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Did you understand what I just told you guys? Are you guys that ignorant and that stubborn to understand what my complaint was, I never mentioned about opening the account with Chex XXXX. I was referring to a bank checking account. I know you are not a bank checking account what I was insinuating was that I will not allow me to log in or register a username with your company because someone on your behalf is already registered with my personal information.. Yes Chex XXXX  Like the snack bag thats all you really are!! You guys are supposed to be one of the most secured and reliable. In reality, so arrogant and stubborn to even understand what my complaint was and you responded to my complaint, without addressing or understanding what my complaint is, I could not register or make a username or make an account with your company, because you decided to let a criminal and fraudster register an account pretending to be me. How sad maybe I need to embarrass you guys on social media for you to understand what is going on Chex XXXX? You are far from Chex system. So I hope you understand the moral of the story now. I could not register a username with your company because your company is Chex is not secured, so are you a high rank credit monitoring system, but is still allowing a criminal, a fake frudster, pretending to be me to register an account with your company And destroy my credit and manipulating your system then that is a big big problem. Im documenting all this
Product: Credit reporting or other personal consumer reports

I pulled up my credit report not too long ago and i noticed these hard inquires on my credit report. 

XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Equifax EQUIFAX XXXX  XXXX XX/XX/XXXX XXXX EQUIFAX XXXX XX/XX/XXXX XXXX