23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I have applied for a Chase credit card, I am already an authorized user on my son 's Chase card. My wife is also an authorized user and we are the primary users of the card giving Chase from $ XXXX- {$3000.00} worth of business per month. We would like our own XXXX card. i have contacted them and explained the situation of my bankruptcy but they refuse to approve a card. My bankruptcy is over seven years old. I currently have extremely good credit and by all standards should easily be approved for the card. The bankruptcy which is over seven years old is the only derogatory mark on my entire credit record and I have multiple credit accounts that have never had a problem since my bankruptcy. I have been on Social Security XXXX for many years and am a XXXX veteran. our combined income is currently about $ XXXX/yr. My bankruptcy was caused primarily due to medical reasons possibly related to my military service and my house in Nevada was under water at the time. To prevent the loss of my house it was necessary to declare bankruptcy. I was probably one of the first recipients of a government HAMP mortgage which ended up saving our home. I have never even missed a mortgage payment. Student loans were included in the bankruptcy and the federal bankruptcy judge after presenting my case over a year and a half of submitting proof of my XXXX ruled that I was considered Totally and Permanently XXXX under the XXXX and the student loans were discharged. I have also been ruled as XXXX by a NJ XXXX XXXX judge in court after being examined by their doctor and the US Department of Education. I consider that they are in violation of the Americans with XXXX XXXX by discriminating against a XXXX person who was forced to declare bankruptcy because of his XXXX. I am considering also filing a complaint with the Department of Justice for violation of the XXXX.
Product: Credit reporting or other personal consumer reports

I've been trying to clean up my credit report so that I can build my credit and there are a few things I've been disputing with all 3 credit bureaus for almost 1 year now, they have only fixed 2 items but never give me responses! And every time I send a dispute to TransUnion, the only response they're giving me is stall tactic responses, this is not providing the information I requested, and it's not fixing the negative items on my report either! I've been disputing late payments on a XXXX XXXX accountXXXX XXXX  accountXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX and XXXX XXXX XXXX but the only late payments fixed was on XXXX with XXXX XXXX and the charge off with XXXX XXXX XXXX on XXXX XXXX I have requested at least 6 times now to provide the proof that I was late, I do not show this in my records that I have and no one has provided this. I either do not get a response at all or I get continuous stall letters, this is not acceptable!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently been informed that there is negative information reported by the Following companies in the file you maintain under my Social Security number : XXXX ) Account name : XXXXDEPT OF ED Account number : XXXX Date Opened : XX/XX/XXXX XXXX ) Account name : XXXX. XXXX, XXXX Account number : XXXX Date Opened : XX/XX/XXXX XXXX ) Account name : XXXX XXXX XXXX  Account number : XXXX Date Opened : XX/XX/XXXX XXXX ) Account name : XXXX XXXX XXXX  Account number : XXXX Date Opened : XX/XX/XXXX XXXX ) Account name : US DEPT ED Account number : XXXX Date Opened : XX/XX/XXXX XXXX ) Account name : XXXX XXXX XXXX Account number : XXXX Date Opened : XX/XX/XXXX I AM A VICTIM OF IDENTITY THEFT These accounts were opened FRAUDULENT There are errors within the account information Upon reviewing a copy of my credit report, I see an entry listing CLOSED OR COLLECTION, such as I owe said amount or my account was charged off said amount ] in [ month/ year ]. 
I challenge the accuracy, compliance and reportability of this listing. 
Please validate this information with [ name of creditor, collection agency, or court ] and provide me with copies of any documentation associated with this account, bearing my signature.
Product: Credit reporting or other personal consumer reports

XXXX XXXX needs to be deleted from my XXXX XXXX 
They charged off the debt and sold the debt to XXXX XXXX XXXX By law of fdcpa, when a debt is charged off and sold, that means the consumer has no more obligation to the debt. They have refused to remove this and this is discrimination. This has XXXX XXXX my XXXX for the past few years, and i will sue the XXXX XXXX for damages if this is not removed in XXXX days! 

Please see attched letter below
Product: Credit card

I closed my Target bill and paid the balance on  XX/XX/17    for sum of {$320.00}. I asked that all documents be mailed to my mailing address on file.   Now they are reporting that I still owing money to the credit reporting agencies and it 's negatively impacting my credit report.
Product: Vehicle loan or lease

In the beginning vehicle was leased directly from the dealer in the end of lease it was bought and loan was financed by " Chase Auto finance " XXXX XXXX TX on XXXX XXXX and paid off in XXXX with XXXX balance. My wife was driving this vehicle after paying off this vehicle she bought the new vehicle with the idea to sell the used one. My wife told me she will sell the car because she need some money for to pay off her some personal debt. We have two car garage this used vehicle parked on the drive way ready to sell it but " Chase auto finance '' never sent the title back I called them several time. Few months ago I called the Finance company why didn't they send the Title their answer was we owe them {$580.00}. that's why. " I told them we cleared the balance '' and monthly payment was {$360.00} how it became {$580.00} do you any proof of the written notice for that balance? the agent didn't give proper answer .Car is on the driveway more 5year battery was dead. one day I called the mechanic he started the car and tried put the gear car was not catching the race. He checked that the Transmission it was dead because there was no activity in the engine from such a long time. Car value was XXXX dollar at that time now some body is not paying even $ XXXX XXXX even we can't sell it without Title
Product: Consumer Loan

What Happened? 
I signed an Auto Lease with XXXX, Ohio, dated XX/XX/XXXX, that was instantly assigned to Ally Financial, the writer of the lease. The lease was a preprinted Ally SmartLease. At Lease End, Ally 's Appraiser allegedly appraised the vehicle and determined there was excessive wear and tear ( Paragraph 25 ) of {$290.00} because there was a large paint run and excessive bondo on the right front fender. PLEASE NOTE : The vehicle had not been painted and no bondo had been applied to the car. 
Per Paragraph 35 ( b ) Ally was required to sell the vehicle. No Sale Occurred. Instead Ally transferred the vehicle to another XXXX dealer using the bogus appraisal as the realized price. PLEASE NOTE : The car was driven 11,000 miles less than the lease provided and the new dealer marketed the car as " certified vehicle '' in excellent condition. I constantly, and continually, raised these issues during my 20+ phone contacts with Ally representatives. Despite my protests and denial of liability, Ally notified all three Credit Bureaus that I had incurred a bad debt. Ally 's actions were designed to damage my excellent credit score. Ally 's actions constitute blatant, intentional consumer fraud designed to extort money from me. These actions represent a continuation of Ally 's pattern and practice of consumer fraud. Note : Copy of Lease can be provided although it copies poorly ( blue carbon paper ).
Product: Checking or savings account

On XXXX XXXX I made a payment for my auto insurance utilizing my cash app account to XXXX insurance company. The payment was processed and completed on my cash app. When state farm received the payment it was charged back to cash app. Ive made 3 claims with cash app to refund me the XXXX but all 3 request were denied. I did send cash app supporting documentation from XXXX insurance but they still did not accept those documents.
Product: Credit reporting or other personal consumer reports

I am writing to bring to your immediate attention the urgent matter concerning the prompt removal of charge-off accounts and inaccurate addresses associated with my account. Despite previous many attempts to rectify these issues, they persist, causing undue inconvenience and frustration. 

The presence of charge-off accounts on my credit report is severely impacting my financial standing and credibility. These accounts inaccurately reflect my credit history and hinder my ability to access financial services and opportunities. Furthermore, the inaccurate addresses listed on my account pose a significant security risk and undermine the integrity of my personal information. 

I urge you to take immediate action to rectify these issues and ensure that all charge-off accounts are promptly removed from my credit report. Additionally, I request that the inaccurate addresses associated with my account be corrected to prevent any further security breaches or misinformation. 

Given the urgency of this matter, I expect a swift response and resolution from your end. Please provide me with a detailed plan of action outlining the steps you will take to address these concerns and the timelines for their implementation. Additionally, I request regular updates on the progress made towards resolving these issues. 

Failure to address these concerns promptly will compel me to escalate this matter further and seek assistance from relevant regulatory authorities. I trust that you will prioritize this issue and take the necessary steps to rectify it without delay. With this, I am asking for your assisstance to remove these charge off accounts and inaccurate addresses in my credit file : 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: Mortgage

I have paid my fire district dues each year since I purchased my home in XXXX, except for XXXX. I refinanced in XXXX, and in XXXX XXXX XXXX paid that from my escrow account. I called and was told orally they wouldn't do it again, followed by letter and a notation on my account page on the web site. XX/XX/XXXX with no notice to me XXXX XXXX agent cut a duplicate payment against my escrow account, which was returned uncashed by the fire district since I paid my bill. Each time I called XXXX I was told that it always pays fire district dues ( you can see from attached pmt history that was not the case XXXX, just XXXX ). Based on this transaction XXXX sent me a " deficiency '' notice requiring {$300.00} from me or they will jack up my monthly payment by more than {$55.00} per month. If someone will just " find '' or stop payment on the uncashed {$320.00} check it will more than cover the so-called deficiency.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX of several times I've discovered that my credit report had inaccurate information. The XXXX credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : 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 XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I WANT THE FOLLOWING ACCOUNTS BLOCKED AND REMOVED FROM MY CONSUMER REPORT PURSUANT TO 15 USC 1681B I DID NOT GIVE XXXX TRANSUNION OR XXXX AND WRITTEN CONSENT TO FURNISH ANY FRAUDULENT ACCOUNTS ON MY PROFILE THIS IS INFRINGEMENT TO MY RIGHTS AND I AM VIOLATED I AM DEMANDING A DELETIONS OF THESE ACCOUNTS OR I WILL COUNSEL WITH MY LEGAL TEAM FOR SUIT
Product: Checking or savings account

I don't have the ability to access my old cash app accounts do to being a victim of data breach, fraud and identity theft. my cash apps and all emails there associated with were locked out of or hacked. numbers were changed.
Product: Credit reporting 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

The lender has been sent a notice of error and QWR that needs a response on and the sale date is set for  XXXX / XXXX /  XXXX   - the lender needs time to respond to our request and postpone the sale date to do so.
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 from erroneous reporting in my file are listed on my credit report : XXXX  XXXX XXXX Balance : {$2300.00} ; XXXX XXXX XXXX Balance : {$29000.00} ; XXXX XXXX XXXX Balance : - ; XXXX XXXX XXXX Balance : - ; XXXX XXXX XXXX Balance : -
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

INQUIRIES : XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

The credit bureaus keep violating the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. Account number 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  According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 A person shall 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. ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.
Product: Credit reporting or other personal consumer reports

These inquires are unauthorized and they are not related to any transaction by me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I am writing to dispute a collections tradeline on my credit report that is incorrectly reporting an expired debt beyond the statute of limitations. This account is being reported by : Debt Collector Name : XXXX XXXX XXXX -- Account # XXXX. As shown in the attached account summary from the debt collector : -- The original creditor was XXXX XXXX -- The debt originated on XX/XX/XXXX -- The last payment was made on XX/XX/XXXX -- The account was charged off on XX/XX/XXXX. According to XXXX XXXX XXXX AR Code 16-56-105, the statute of limitations on debt collection is 3 years. As this debt is from XXXX, with last payment in XXXX, it exceeds the time limit to legally enforce collection of the debt.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. I have reported this Three times and nothing ever seam 's to get done. Litigation will follow. Please see the attached documents relating to this case and completed identity theft affidavit. Also, please refrain from reporting and block all information resulting from this case pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that this information must be removed within four business days of receipt. Listed below the accounts to do not belong on my credit report. 
XXXX. XXXX XXXX XXXX  XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

The deletion or blocking of accounts resulting from a data breach and unauthorized inquiries is governed by FCRA Section 605B, specifically addressing the blockage of information arising from fraud or data breaches [ 15 U.S.C. 1681c-2 ]. Additionally, FCRA Section 604 outlines the permissible purposes of consumer reports [ 15 U.S.C. 1681b ].

I am writing to formally dispute the presence of accounts on my consumer credit report, as referenced below, which stem from data breaches or fraudulent activities. I request tangible, verifiable evidence that bears my signature or electronic signature. I emphasize that this correspondence represents my interests, and I kindly request your thorough review. These actions were undertaken without my authorization, thus infringing upon my consumer rights as defined by the Fair Credit Reporting Act, Section 605B [ 15 U.S.C. 1681c-2 ] and Section 604 [ 15 U.S.C. 1681b ].

It has come to my attention that these companies initiated these actions without proper validation or original documentation from any of the reporting entities. 
Listed below are the Personal Information that are being challenged Incorrect Previous Address : - XXXX XXXX, XXXX  XXXX, NY, XXXX Incorrect Previous Address : - XXXX XXXX XXXX, XXXX, TX, XXXX Incorrect CurrentAddress : - XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MI, XXXX Employer - XXXX XXXX Incorrect DOB : - XXXX  Listed below are the Collections that are being challenged XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law.

You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these accounts are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non complying with the FCRA. Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the banks directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe Hide full complaint you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

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

Equifax is reporting to of the same accounts on my credit report with the same account number and same balance. ( Account # XXXX XXXX XXXX ) It is ILLEGAL to report two of the same account on a Credit report
Product: Debt collection

On my XXXX I have XXXX Derogatory And on EQUIFAX I have XXXX Derogatory Please delete error on my credit report. 

I send a supporting documentation
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX account XXXX XXXX XXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I check my credit report and notice some things that does not belong to me. These accounts are stopping me from buying my dream house. The account listed below is not mine. I sent in multiple letters and haven't received any feedback about my complaints. I don't understand what is really happening? Please help me out. 

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

sent XX/XX/2020 payment was paid and was not updated