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

2021 theres an eviction on my name that popped up out of nowhere I put a dispute in and was told they werent fixing it theres a charter cable charge I never had it it was ignore a XXXX account thats was put as my fsult even after seeing proof nothing was dine
Product: Credit reporting, credit repair services, or other personal consumer reports

ChexSystems is in NONCOMPLIANCE of the Code of Federal Regulations, Regulation V and the Fair Credit Reporting Act, FCRA. I am a victim of identity theft pursuant to 12 CFR 1022.3 ( h ). A fraud has been committed against me by using my personal identifying information. I have previously reached out to XXXX XXXX in regards to this fraudulent account and they told me to reach out to ChexSystems. ChexSystems is now making me a victim of their violations to federal law. I sent ChexSystems my official Federal Trade Commission identity theft report, proof of my identity and proof of my address on XX/XX/XXXX through USPS certified mail. XXXX received my documents on XX/XX/XXXX. According to the FCRA 15 USC 1681c-2, ChexSystems is required to block this fraudulent account no later than 4 business days after they receive my correspondence and they have 5 business days to advise me they decline to block this fraudulent account. It has been 10 business days and I have not received any correspondence from ChexSystems regarding this matter. ChexSystems is in Noncompliance of Federal Law and their Code of Federal Regulations. I, as well as Federal Regulators expect ChexSystems to abide by the instructions and requirements of the Fair Credit Reporting Act and their Code of Federal Regulations. Is ChexSystems above the federal laws they have to abide by? Is ChexSystems above their Regulators who have put the Code of Federal Regulations in place? This identity theft is hendering my progress in life but the federal laws are here to protect me and my rights. However, ChexSystems refuse to follow those laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've contacted Experian, XXXX, and XXXX in XXXX, XXXX and XXXX to dispute fraudulent items I found on my credit report by mail. I got my dispute results on XX/XX/2022, XX/XX/2022 and XX/XX/2022 stating the items were accurate and verified. I have also received an email saying the information was validated. I requested they provide me with their method of verification and if not, they need to update the information to paid on time. I have not received any documentation from either agency or the original creditor that proves I gave them written consent to anyone to furnish these items on my report and if the creditors state that I gave them written consent it was only due to an uninformed decision, and I was not given proper disclosure of my rights under the XXXX XXXX  XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

AMX informed me that the Social Security Administration has declared me dead as of XX/XX/XXXX. I talked to AMX and they said they need a letter from SSA. Called SSA and qfter 1.5 hr wait time, they said maybe they can get me a letter in the next few weeks saying my death is an error. In the meantime, my fear is that all my credit cards will be shut down, my bank accounts, my mortgage company, and my insurance companies may try to pay out to my beneficiaries. Plus all the bills that I pay through my bank ... will the creditors get those pmts? Will my credit report be affected? I have an almost perfect score! Mostly I want the Social Security Admin to take quick action. I plan to go to their office in the morning, but I don't expect I will be successful in getting them to move quickly. Please help! This all happened today, XX/XX/XXXX. 
Thank you in advance for any help you can give me! 

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

I submitted a letter to the Credit Bureaus to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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 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: Debt collection

Jefferson Capital Systems is reporting a XXXX XXXX account on my credit reports. I've NEVER had XXXX XXXX. You are liable for what you report and I will seek damages if it's not removed.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : DEPTEDXXXX XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$0.00} DEPTEDXXXX XXXX XXXX Owed : {$0.00} DEPTEDXXXX  XXXX Balance XXXX : {$0.00} DEPTEDXXXX XXXXXXXX Balance Owed XXXX {$0.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$0.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$0.00} DEPTEDXXXX XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$0.00} DEPTEDXXXX  XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXXXXXX XXXX Owed : {$0.00} DEPTEDXXXX XXXXXXXX Balance XXXX : {$0.00} DEPTEDXXXX XXXX Balance Owed XXXX {$57000.00} XXXX  XXXX XXXX Balance Owed XXXX {$200.00} XXXX XXXX XXXXXXXX Balance Owed : {$48000.00}
Product: Debt collection

I found a state of Florida funded program that claimed to not charge for a 3 momth program of XXXX  ( XXXX ) treatment. I was accepted into said state funded program. I had XXXX XXXX XXXX, recognized by the admitting nurse at the facility. Instead of deferring admission, the nurse called an EMT. I was under the impression one program was responsible for the other, so I did not contest the nurse 's discretion then and there. Ultimately, I was sent via ambulance to another facility and am being invoiced {$300.00} for treatment that costs {$5.00}. I am being invoiced $ XXXX for an ambulance ride when an XXXX would cost {$10.00}. A cab might cost {$20.00}. I would attempt to resolve this with said facilities but, ultimately, these specific institutions have violated the original terms of my agreement with them and they have lost my trust. This went to a factor, acting to collect in approximately 60 days. I was still in the program and not gainfully employed nor was I making advancements in monitoring paperwork. Not only have these institutions violated my trust, they have grossly mishandled the involved parties ' finances. Why would anybody call an ambulance when a person is not in need of an ambulance? Because it doesn't matter if the program isn't footing the bill? Because if it's not part of the government purchase order, " caveat emptor ''? I was cheated, swindled, and am the XXXX of this bureaucratic joke. I am shocked and appalled by these shenanigans. If any were to review my admitting documents, they would concede my legal consent for these services was not given.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and demand the immediate removal of the following fraudulent accounts and inquiries from my credit report, as they have been opened without my consent due to identity theft. As a victim of this crime, I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) to have these items promptly removed from my report. 

In addition, I am notifying you that I am a victim of identity theft and requesting the immediate blocking and deletion of all fraudulent accounts and information related to the theft, as authorized by 15 U.S.C. 1681c-2 ( a ). 

The fraudulent accounts I am disputing are as follows : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$380.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1000.00} XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$520.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1600.00} I became aware of the breach of my personal information through the XXXX data breach, which exposed my sensitive data to unauthorized individuals. These fraudulent accounts have been identified as a result of this breach. 

I request that you take immediate action to block and delete the fraudulent accounts listed above, and update my credit report accordingly. Please provide written confirmation of the removal of these items and any further steps I may need to take. 

Thank you for your prompt attention to this matter. I look forward to your timely resolution of this issue. 

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

Account is included in bankruptcy ; account reporting as past due XXXX + days past due when its included in bankruptcy.
Product: Credit card or prepaid card

Due to Citibank 's unethical, deceptive, and fraudulent billing practices, I have secured an attorney to dispute unlawful charges placed onto my account. Even though the account is currently in dispute status, and is now in litigation, Citibank continues to inflict emotional distress by placing late fees and interest fees onto the account. 

I spoke with XXXX in " Client Focus Services '' on XX/XX/XXXX ; and, XXXX ( from the same office ) on XX/XX/XXXX regarding the status of the account, to no avail. Although both stated that they would update my account by making note that the account is currently in " dispute, '' I continue to get statements with accrued late fees and other fines associated with the account -- all of which is very emotional taxing. 

I went a step further by contacting " XXXX '' in the Executive office about the harassment I am experiencing from Citibank. She was unhelpful, as she continued to reiterate the rebilled charges I should pay -- even though I paid the account in full prior to the due date.
Product: Debt collection

In around 2010 I started a phone line with XXXX. I was unable to pay the final balance and was recently reminded by a letter over 8 years later. There is a derogatory mark on my credit report through XXXX  which was from about 8-9 years ago now. I never received this information until recently and though it is still owed this should have fallen off of my credit report by now. I recently had to pay medical bills and pay all of my credit cards on time but this derogatory mark is making it hard for me to really improve my credit. I will continue to work to pay this old balance off but until then it is hard for me to get a good credit card or even an apartment lease. If XXXX would remove this mark from my credit report it would allow me to take the next steps in improving my credit and paying off all of my debt.
Product: Money transfer, virtual currency, or money service

A check for {$9200.00} was deposited on XX/XX/XXXX. 
Chase put a hold on the check as well as restricted my account on XX/XX/XXXX. 
They sent me a virtual letter stating that I need to call them or they might close my account. 
I called the same day and was told that they needed to call the maker of the check to verify the check. When I provided the makers phone number I was told that the phone number isn't " verified '' and that I would have to wait 7 days for the check to clear to access the funds. 
The funds were cleared within 7 days but the restriction wasn't lifted on my account. 
On XX/XX/XXXX went to my local branch to figure it out and was told they still need to verify the check by phone which they couldn't do because the maker was out of the country and the phone number was not a " verified '' number. 
I was also told that the alternative would be that I would wait for my account to close so that they could send the funds back to the maker so that they could just wire it to me when I reopen my account.. 
I reopened my account on XX/XX/XXXX at the same branch the funds were taken off my account and was told that since I've been with Chase for over 7 years there was no need to send the money back to the maker and that they will release the funds to me. I would just need to call them back in 3 to 5 business days to start the process. 
I called them back once XXXX and also the XXXX. I was once again told that the funds will NOT be released until they can call the maker. ( I've provided both phone numbers for the maker everytime they asked ) On XX/XX/XXXX one of the makers ( XXXX names on the check ) and I physically went to a Chase Bank branch and provided proper identification but were told by the branch manager that there was nothing they could do and that Chase would hold on to the funds until they can verify the check by phone. We were also told that they use an external service to verify phone numbers called XXXX. ... 
The maker has contacted their cell service provider and confirmed that all their information is up-to-date. 
I was later contacted by Chase 's escalation department and was told that again Chase needs to verify the check by phone and the phone number needs to be verified by XXXX or have the maker requested a recall on the funds through their bank. 

On XX/XX/XXXX we tried to recall the check at the XXXX  XXXX XXXX branch with the maker which didn't work since the funds were already cleared almost 2 months ago and Chase has removed the funds from my account. The maker and also went to the Chase branch and the maker even provided his own Chase credit card with all his information including his phone number ( same one that has been provided before ) on a Chase account to further verify his identity but Chase still won't release the funds. So now there's over {$9000.00} just that neither I or the maker can get access to. 
It's been almost 2 months and this feels like a scam
Product: Debt collection

This complaint stems from an alleged contractual relationship. I have a right to an authenticated record of accounting. I am hereby disputing this alleged debt from American Profit Recovery and require this information within the time allowed by law. I have no contractual relations with this company and they are on notice that reporting information without my consent is punishable for defamation and trespass on person. See Attached notice.
Product: Student loan

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX since XXXX. In XXXX, the XXXX rolled out their Public Service Loan Forgiveness program, which by all standards, was an epic fail. In XX/XX/XXXX, our incredible XXXX XXXX and amazing COO of XXXX XXXX recognized the need for a limited waiver. With that waiver, we are able to consolidate into a direct loan, use prior periods of repayment and receive forgiveness on the loan balance after 10 years/120 payments. I had been paying on my FFEL loans for over 15 years and was one of the folks in the XXXX settlement as well for being misled and lied to. I have done all asked of me by XXXX and Fed Loan Servicing to take advantage of this waiver, yet there are no updates, no communication and now servicers are being transferred when I am at the finish line, yet they claim no disruptions which is totally untrue. They have my approved employment, proof of over XXXX payments from XXXX XXXX XXXX XXXX XXXX my loans are now direct loans and now still 30 days later, I have heard nothing. When I call, I get " just keep waiting '' yet on the XXXX site they claim " XXXX will review a borrowers account when it contains two pieces of information : at least one Direct Loan and at least one approved Employment Certification. When both conditions are met, XXXX will review the borrowers account. XXXX will identify all new payments to be added and instruct FedLoan Servicing to update the account. If any conditions of the account change, XXXX will re-review the account. Borrowers at or over XXXX payments will get priority reviews regardless of when their PSLF forms were approved. '' I am humbly asking XXXX XXXX to help get involved on my behalf. I do not want to ping pong between servicers and be kept continually waiting for forgiveness that I have rightfully earned. PLEASE HELP, I am begging you and really exhausted with this constant run around and finger pointing without any help.
Product: Credit card

I applied for a new credit card with Bank of America. Durning the application it never asked the amount I was applying for, only how much of a balance transfer I wanted to do since I was applying for a card with a balance transfer promotion. I entered XXXX. Online application came back and said approved and I would receive the card in the mail. By the time I got the card and account opening paperwork about XXXX weeks later I see the card was only approved for XXXX. I went online started an account and tried to speak with someone about my application. Was told nobody could help with that and I would need to just apply for a limit increase so I did. It was declined. I called was told the same thing over the phone and then they submitted another limit increase that again was declined. Again refusing to let me speak to someone about my original application. Went into a branch, was told they couldnt help. Call back. Finally after about XXXX hours of dealing with this was able to get in touch with someone who would answer questions on my application. They stated the limit increases were auto declined since the account wasnt open for more than 12 month. Why would multiple representatives advise me to run my credit if this is Bank of America under writing guidelines. The original application was only approved for the XXXX mainly because I didnt have any other accounts with Bank of America XXXX If I knew that was going to be a factor I would not have accepted the offer but was never given the chance to accept the lower credit offer or not. They went ahead and processed a {$9500.00} balance transfer to my other lender that I did not request. Told me it was to late to cancel. I had it sent back within days. Now they are refusing to waive the $ XXXX dollar balance transfer fee that was charged even though I never requested a {$9500.00} transfer.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. Verify This invalidated account XXXX Account Number : XXXX Please remove it from my credit report.
Product: Mortgage

I have been working with Bank of America for over 3 years now trying to lower my monthly payments. I had a trial period but it was still to high. I am a single mother of XXXX small children and their father does n't always pay child support. I have been sending in document after document to bank of America and they said they are working on it. Then i just recently called them and they told me that the person who was working on my claim " Dropped the ball '' and did n't put the paper work in after it was received. and now i just found out that my house was put up for auction but i was never notified and i never recieved anything in the mail to tell me.
Product: Debt collection

I used my social security number/card defined under 15 USC 1602 ( l ) to extend credit with OneMain Financial. I am a natural person, federally protected consumer, and original creditor defined under 15 USC 1602 ( g ). The " loan '' which is the subject of this transaction was primarily for personal, family, and household purposes. First and foremost, I was never informed on the cost of credit and was never given adequate notice which sets forth the pertinent facts of this transaction which is a violation of 15 USC 1602 ( k ). I did not receive written notice from OneMain Financial providing the name of the original creditor or the amount of the alleged debt under XXXX5 USC 1692g. Congress makes it clear that consumer credit would be strengthened by the informed use of credit. The only decision I was given after the consummation of the transaction was to pay the " loan '' without penalty which violates 18 USC 880. My decision regarding the entire transaction was uniformed. OneMain Financial has engaged in extortion and racketeering activity under XXXX XXXX Chapter XXXX. I am aware that all extensions of credit are tied to my social security number and that the United States is responsible for the repayment of the alleged debt under XXXX XXXX XXXX. Their conspiracy against my rights is affecting my ability to operate in commerce. This is a violation of XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

to add more info in my favor i just got an email off of mr coopers website that states i was currebt on XX/XX/XXXX XXXX //Thanks for your recent payment. We posted it to your account on XX/XX/2019 for the property at XXXX XXXX XXXX XXXX their is no way the numbers they havr listed could be right the first day they could of listed for 30 days jate would have been XX/XX/2019 and other numbers follow suit thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I have contacted the following companies reporting to my credit file and according to them, there has been no communication noted from TransUnion regarding these items. I am requesting the Method of Verification used to contact the furnishers and the specific name and number ( please include extension if applicable ) of the person contacted ( An employee looking at their computer screen and matching a name listed in their database is NOT verification or validation of any alleged debt ) ( Previous request not honored ). As the following items can not be verified, please correct status or delete them from the credit file XXXX  XXXX XXXX XXXX never late INQUIRIES XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX  XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX   XX/XX/XXXX unauthorized XXXX XXXX  XX/XX/XXXX unauthorized XXXX XXXX  XX/XX/XXXX unauthorized Identification already on file, please notice your internal notes. Please send a complete updated copy of the credit report. Additionally, DO NOT place a fraud alert or promotional block, etc. on my file without my expressed permission.
Product: Credit card or prepaid card

XXXX XXXX submitting complaint without any influence from any third party or agency. Please see attached documents. I applied for several Credit cards with American Express both business and personal was denied all times. Credit report was pulled several times without benefits. My consumer rights were violated address all issue within 10 days of this notice.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I have written to the company advising them of that under the FCRA 15 U.S.C. 1681 et seq., XXXX is required to furnish accurate information to credit reporting agencies. Under section 623 ( a ) ( 2 ) of the FCRA TBOM/Aspire is violating the law. The account was closed in XXXX, and updated amounts are being posted to my consumer reports including today. If the account was closed why do I have 30,60, 90 and 120 days late payments posted to my credit reports. See my annexed correspondence