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

Under the FCRA ( Fair Credit Reporting Act ) Consumer reporting agencies are suppose to exercise their grave responsibilities with fairness, impartiality, and a respect for consumers right to privacy 15 USC 1681 sec.602. Consumer reporting Transunion, XXXX, and XXXX are the agencies and I am the consumer. I have the right under 15 USC 6801 that says... It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. Under 15 USC 1681c ( a ) Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : ( 4 ) Accounts placed for collection or charged to profit and loss which antedate the report by more than seven years. ( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. Trans union, XXXX and XXXX are in violation of my non public personal information. 15 USC 6802 states... ( a ) Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX XXXX, Transunion, XXXX, and XXXX are in clear violation of XXXX or multiple versions of these laws as well as 15 USC 6802 ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. I was not given the option by any of these institutions to not disclose my non public personal information. 15 USC 1581e says ... Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX, XXXX and TransUnion are not following the law. 
Under 1016.7 ( 1 ) Form of opt out notice. If you are required to provide an opt out notice under 1016.10 ( a ), you must provide a clear and conspicuous notice to each of your consumers that accurately explains the right to opt out under that section. The notice must state : ( i ) That you disclose or reserve the right to disclose nonpublic personal information about your consumer to a nonaffiliated third party ; ( ii ) That the consumer has the right to opt out of that disclosure; and ( iii ) A reasonable means by which the consumer may exercise the opt out right. It is my right to opt out of these reporting agencies and at this time I am excising my right.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXXXXXX XXXX XXXX : {$14000.00} XXXX XXXX XXXX Balance : {$610.00} XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  If you feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research items I found that requires you to verify with 100 % accuracy that each items are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the items are verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
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 Inquiries : XXXX XXXX Inquiries : XXXX XXXX XXXX XXXX, Inquiries : XXXX XXXX, Inquiries : XXXX Inquiries : XXXX XXXX XXXXs, Inquiries : XXXX XXXX XXXX XXXX I, 15 USC 1681 section 602 A, States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 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 items of information, other than records of convictions of crimes which antedates the report by more than seven ( 7 ) years. 15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or reasonable cause to believe that the information is inaccurate. In accordance with the Fair Credit Reporting Act, Section 623 ( a ) states that a person, including a financial institution, may, but need not, specify an address for receipt of notices from consumers concerning inaccurate information. If the person specifies such an address, then it may not furnish information relating to a consumer to any consumer reporting agency, if ( a ) the consumer notified the person, at the specified address, that the information is inaccurate, and ( b ) the information is inaccurate. If the person does not specify an address, then it may not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Bank account or service

This is my second complaint against Chase Bank XXXX ; Since XXXX XXXX, Chase Bank .. JP Morgan decided to place a pending closure on my checking account without any valid reason or any statement given or mailed to me. After long hours of phone calls and numerous stop in at a Chase local branch and all promises of security from Chase representative the checking account was still on pending closure. Bills were drafted on this checking account, all were returned with fees and penalty. Best of all Chase Bank place a freeze to access my funds. I am not rich, what i have is what i use to support me and my family, I explained this numerous times, days, hours even beg the XXXX Chase Bank Manager but no explanation why. I do not owe Chase anything I paid my overdraft fees. Chase Bank do not care ... They promise a check will be sent in 10 days after account closure .. Its XXXX XXXX, a check was received via XXXX but the amount is not even close to what i have on that account. This check does not even cover phone bills with penalty. Call Chase again and said a XXXX check was cut and should be receive in 3 days from XXXX XXXX. Again called Chase Bank asking information if we can track my check but sadly Chase responded I AM SORRY CHECK COULD BE LOST, PLEASE CALL US BACK ON MONDAY TO CONFIRM XXXX CHECK IS LOST AND WE WILL CUT A NEW THAT WILL TAKE ANOTHER 10 DAYS. IS THIS A GAME? THIS IS AWFUL. ITS ALMOST A MONTH, ONLY A HANDFUL OF PEOPLE LET ME BORROW AND AT OF ALL THIS I HAVE TO LATE FEE ON ALL BILLS, DONT KNOW WHAT LAW PROTECTS US FROM THIS KIND OF ACTIONS FROM A FINANCIAL BANK, MY UNDERSTANDING BANKS ARE THERE TO PROTECT AND OFFER SERVICES BUT INSTEAD, SADLY I CAN NOT DO ANYTHING BUT WAIT ...
Product: Payday loan, title loan, personal loan, or advance loan

They approved without validation of income or proof repayment. They have me listed as making XXXX dollars a month.Im XXXX, and my business income was consistently going down I had multiple overdraft fees in both my business and personal accounts. My credit card usage went up, and my credit score went down drastically over the past year. I was desperate for income due to medical bills, and this is by definition, predatory lending.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. XXXX, has violated my rights. 
In accordance with the Fair Credit Reporting act. XXXX XXXX, has violated my rights. 
In accordance with the Fair Credit Reporting act. XXXX XXXX XXXX, has violated my rights. 
In accordance with the Fair Credit Reporting act. XXXX XXXX, has violated my rights. 
In accordance with the Fair Credit Reporting act. XXXX, has violated my rights. 
In accordance with the Fair Credit Reporting act. XXXX XXXX XXXX XXXX, has violated my rights. 
In accordance with the Fair Credit Reporting act. XXXX XXXX XXXX, has violated my rights. 
In accordance with the Fair Credit Reporting act. XXXX XXXX XXXX, has violated my rights. 
In accordance with the Fair Credit Reporting act. XXXX XXXX, has violated my rights.
Product: Credit reporting or other personal consumer reports

Consumer Reporting Agencies play a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system 's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of 15 U.S. Code 1681b ( 2 ). This violation has led to an alleged case of identity theft, breaching 15 U.S. Code 1681c-2. The accounts in question are not related to any transactions made by me.

The Fair Debt Collection Practices Act was created to ensure that laws and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by debt collectors. In this case, the company has violated 15 U.S. Code 1692f, which prohibits debt collectors from using unfair or unconscionable means to collect a debt. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated 15 U.S. Code 1692e, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers.

In this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of the law. 


Disputed Accounts : XXXX - OFFICE OF THE ATTY GEN - XX/XX/XXXX - {$0.00} XXXX - XXXX - XX/XX/XXXX - {$2200.00} XXXX - XXXX XXXX - XX/XX/XXXX - {$260.00} Hard Inquiries to Be Removed I request the removal of the following hard inquiries unless verifiable, signed proof of my authorization can be provided : XXXX - XX/XX/XXXX XXXX  - XX/XX/XXXX
Product: Debt collection

I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # and contacted the police department and obtained a police report # which both are attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize :
Product: Credit reporting or other personal consumer reports

I am reaching out because I originally requested Equifax XXXX and XXXX to validate the XXXX as well as the XXXX XXXX account currently listed on my credit report. This account contains significant inaccuracies, and despite my efforts to address the issue directly with these credit bureaus, I have not received any validation of the information they are reporting. These inaccuracies are seriously impacting my credit score and, as a result, have placed an immense burden on my ability to provide for my family. Ive taken the proper steps by requesting that this account be removed due to the inconsistencies in the reporting and the failure of the bureaus to fully validate the account as required under the Fair Credit Reporting Act ( FCRA ). 

Despite my formal disputes, I have not been provided with any documentation that proves the legitimacy of the information being reported. This has left me with no choice but to escalate the matter and file a complaint through your organization. The errors on my credit report are affecting not only my financial standing but also my ability to secure essential resources for my household. I am asking for your assistance in ensuring that these bureaus take the necessary action to correct or remove this XXXX account from my credit report as required by law. I am deeply concerned about the ongoing damage this is causing and need your help to resolve this matter as quickly as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've contacted lexis nexus multiple times about an accident on my consumer report that did not happen to me. I am a male and this accident happened to a female with the same name but different spelling. The person the accident happened to has a different birthday, XXXX, spelling of their first name and the accident happened in a state i have never resided or visited. They have denied my despite 3 times and this whole ordeal has cost me over {$500.00} with my new insurance company in fees. I've never owned a car untill XX/XX/XXXX of this 2020 and have never had a drivers license or driven in my life. If lexis nexis does not fix the issue at hand then I will have to use legal acton due to the hundreds of dollars I am being charge monthly from an accident that did not happen to me.
Product: Debt collection

This is a old debt. Some how the dates were changed not accurate. It says Estimated month and year that this item will be removed : XX/XX/XXXX. It also says TD BANK USA/TARGET CREDI # XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX number not available Date Opened:XX/XX/XXXXResponsibility : Individual AccountAccount Type : Revolving Account Loan Type : CREDIT CARD Date Updated:XX/XX/XXXXPayment Received : $ XX/XX/XXXXLast Payment XXXX Pay Status : >Charged Off<Terms : Paid MonthlyDate Closed:XX/XX/XXXX >Maximum Delinquency of 120 days in XX/XX/XXXX for {$140.00} and in XX/XX/XXXX for $ XXXX High Balance : High balance of {$550.00} from XX/XX/XXXX to XX/XX/XXXX Credit Limit : Credit limit of {$300.00} from XX/XX/XXXX to XX/XX/XXXX Estimated month and year that this item will be removed : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX 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 an 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.
Product: Debt collection

Portfolio Recovery Associates , LLC ( PRA ) is a junk debt buyer claiming I owe them {$840.00} for a charged off XXXX credit card. On their collection letters PRA claims to be the creditor for this account, as evidenced in the upper left side of their correspondence to me, dated XXXX XXXX, XXXX. PRA has never extended credit to me. 

On XXXX XXXX, XXXX I requested proof of validity of the original debt, itemization of the account establishing an accurate accounting and proof they had a legal right to collect the debt. I received a letter from PRA, dated XXXX XXXX, XXXX, again stating they purchased the account, the balance was {$840.00} and that the seller, XXXX XXXX, provided them an electronic file of their business records concerning this account. PRA neglected to provide me with any copies of said file or proof of any of the items I asked for. I also disputed this account with the credit reporting agencies, PRA updated the account as accurate. 

On XXXX XXXX, XXXX I sent PRA a Notice Of Arbitration Election via XXXX as described in the XXXX XXXX Cardholder Agreement, a legally binding contract, that was in force at the time this account was opened. The Agreement states this is my right, that XXXX XXXX or anyone they transfer or sell the account to is REQUIRED to participate. I felt at this point it was the only way to settle our differences. They refused to respond. 

After reading The Consent Order between you, CFPB, and PRA I realized there was a discrepancy between XXXX charge off amount and the amount PRA claims I owe them. The charge off amount that XXXX XXXX reported on my personal credit reports is {$770.00}, {$66.00} less then PRA is trying to collect. I followed up with a letter to PRA, dated XXXX XXXX, XXXX, informing them of the discrepancy including copies of the original account from my credit reports. They responded with a letter and XXXX random XXXX XXXX credit card statements. The most recent of the XXXX had a balance of {$660.00}. Their letter simply states they had reviewed the attached documents related to this account, which establish its validity. What? They completely ignored the balance discrepancy. XXXX XXXX has stated they do not provide any warranty as to the validity or accuracy to the accounts contained in electronic files that they sell. 

Portfolio Recovery Associates , LLC is violating the terms of the Consent Order, the FDCPA and Minnesota law. They have complete and total disregard for the law and the consumer. 

PRA can no longer collect this debt in court, in accordance with Minnesota Statutes Of Limitation. However PRA 's entry on my credit reports is n't scheduled to be removed until next year, unnecessarily causing me financial harm. I do not believe they have a legal right to collect this debt. 

There are XXXX other accounts PRA is trying to collect from me with the same circumstances. I will file separate complaints for them.
Product: Credit reporting or other personal consumer reports

Account XXXX with XXXX XXXX  was fraudulently opened, and is causing me and my reputation personal harm and discrimination ( Per 15 U.S. Code 1681c-2 ). This account needs to be removed from my report within 4 business days.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX company reported XXXX XXXX Mortgage past due to XXXX, XXXX  and Transunion for the months of XXXX, XXXX XXXX and XX/XX/2019 when the mortgage was paid on XXXX XXXX, 2019 by wire transfer from XXXX XXXX XXXX XXXX of Arizona in accordance with the written payoff demand submitted by XXXX  to XXXX XXXX XXXX. Please see attached document. XXXX  has not request to the credit agencies deletion of the past due mortgage report despite several calls since 2019 and written demand letter by XXXX XXXX. Such situation has lowered my credit score from the 700, s to the 500, s and caused denial on mortgae request, refinancing on loans and credit application for XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I've contacted the account listed below & they told me I've never missed a payment, yet Experian, XXXX and XXXX refuses to fix the account from being listed late. They told me they are not required to allow me to dispute this inaccurate information any longer. I constantly have to do Experian, XXXX and XXXX 's job for them to shield my credit & prove my identity. PLEASE CORRECT THIS RIGHT AWAY!!! 
XXXX XXXX XXXX XXXX Date opened : XX/XX/2021 Balance : {$12000.00}
Product: Credit reporting

XXXX MD XXXX WF CRD SVC Attention : XXXX Date : XX/XX/2017 To whom it may concern The purpose of this letter is to Dispute and to request and expungement of the above referenced account. 

I do n't recognize the accounts in question. There should be no further effort to enforce or collect on this account and, therefore, I am requesting that the Fms WF CRD SVC Vacate, withdraw and/or expunge. 

Please forward a copy of the withdrawal and/ or expungement to the address listed above in this letter. 

Your prompt attention to this matter is greatly appreciated. 
Thanks, XXXX
Product: Checking or savings account

This complaint surrounds Chase Bank. I received notice roughly 3 days after opening a checking account with a {$380.00} cash deposit. I do not revollect the exact day of XXXX, 2022, however I believe between the 3rd and the 7th maybe? Anyway, the best part of the transaction was opening it with XXXX XXXX He and I spoke about many things while going through the motions of opening the account. A few days later I walked into the same branch in XXXX, Wisconsin to inquire about home loans. He abruptly informed me that your account was closed due to fraud. I had no idea what he was talking about and after a brief conversation I shook his hand and left in disbelief. The next day I called and told him I think I knew why. While living in Arizona, I had a chase checking account where I deposited a check for {$12000.00} for the sale of my boat. Not long after that deposit my account was not accessible. I went into the Chase Branch in XXXX, Arizona to ask why and I was eventually told that the check I deposited was fraudulent from a couple of days before. Unknowingly, and using my checking account while staying in XXXX XXXX, Wisconsin with a friend and looking for a place to live. I eventually withdrew my remaining balance and opened another account at another institution closer to housing I had found in northern Wisconsin. Upon closure of that Chase Account in XXXX XXXX the people there were very nice and said I was welcome back anytime at Chase. Then I get this news from Chase in XXXX that my account was closed due to fraudulent activity on an earlier account in Arizona. I then called XXXX and attemently explained that was not my fault. All I did was deposit a cashiers check that I had no idea was fraudulent and now I am just as guilty as the perpetrators. I have my reasons for wondering why Chase acted in this capacity, but one thing is for certain, something stinks to high heaven. Ultimately, I want the name of the individual ( s ) responsible for this embarrassing and unwarranted reaction to something that was absolutely not my fault, and Chase in XXXX Arizona opened up another account for me right away and for being a vetersn.. In closing, I am absolutely asking for the name ( s ) of the people responsible for all of this upheavel.if this instruction is not folliwef by Chase XXXX, they can expect any and all legal boundsrues used against them.