23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I'm am reporting how a bogus account was setup on Chase 's secure website. Although bogus Chase did nothing to assist me or willing to accommodate. 
On XX/XX/XXXX I had paid a bill through bill pay. I have been using bill pay for years. I had chose to pay XXXX XXXX 's XXXX for {$250.00}, to be delivered by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to get my account information at that time I was told they had not received a payment. I had called Chase I was told by the agent that a payment for {$250.00} went to XXXX XXXX XXXX XXXX  Informed the agent I don't have an account at XXXX XXXX I was told that I would have to investigate to find out who XXXX XXXX XXXX was. 'When questioned about the payment I had told the agent I did make a payment for {$250.00} to XXXX XXXX XXXX, it was then confirmed that the payment went to XXXXXXXX XXXX XXXX XXXX I had question the agent of how did XXXX XXXX XXXX XXXX appear on my bill pay, considering I did not set this up and it suddenly this bogus account is connected to my account. 
My chase account as of XX/XX/XXXX showed a pay bill payee name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ; Phone number XXXX ; Account XXXX ; Pay-from account Main Account ( ... XXXX ) ; See on Schedule payment screen yes. XXXX XXXX XXXX Called back was told that I would have to investigate myself all through I got this information from by payee Chase account. I had called the phone number XXXX I had found this was a bogus account. I had copied all the transactions. Called Chase back the XXXX XXXX Credit Card payee account was gone from my account. I had reported the XXXX XXXX Credit Card was fraudulent. They had update my account with {$250.00} until they investigated my case. 
Received a letter from Chase XXXX XXXX per Chase I they found my claim was authorized, they removed the {$250.00} on or after XX/XX/XXXX. 
While Chase was investigating I had received a letter from XXXX XXXX XXXX XXXX XX/XX/XXXX named to XXXX XXXX XXXX, expressing that my account number is no longer valid. They credited my payment to the correct account. Called XXXX XXXX XXXX it was determined that a account under the name XXXX XXXX XXXX was opened XX/XX/XXXX and closed XX/XX/XXXX. They found {$250.00} sitting in the closed account. Per the agent they would sent me the money within 5 business days. 
I had called Chase XX/XX/XXXX to report my findings was told thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has mixed my credit with my X wife. She divorced me in XXXX. I keep getting bad accounts listed as my accounts. I never lived on XXXX XXXX XXXX or on XXXX XXXX. These are not me. 

Also I am ONLY XXXX XXXX XXXX, or XXXX XXXX XXXX keeps putting other names as me.
Product: Debt collection

These companies broke the law and violated 15 USC 1681 ( a ) ( 1 ) & 15 USC 1681 ( e ) maximum accuracy compliance and procedure they hired, XXXX who are furnishing inaccurate and unverified information on my consumer report. Proof of inaccuracies is attached XXXX XXXX ( PORTFOLIO RECOVERY ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original creditor This is making me lose confidence in the banking system due to these violations. I the consumer do not grant. XXXX the permission to furnish these inaccurate reports I demand that they delete this account from my consumer report. by the Fair Credit Reporting Act XXXX  XXXX, XXXX, and XXXX have violated my rights. 15 USC 1681 section 602 A. States I have right to privacy 15 USC 1681 section 602 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is reporting inaccurate information on my credit report. 

The following information is the inaccurate information. 

XXXX XXXX XXXX  Loan 2 late payments, when there is no late payments. 

The following closed accounts are showing incorrect data on my credit report. 

XXXXXXXX XXXX XXXX shows as a charge off as well as a balance at the same time. How can a charge off have a balance delete this inacuracy. 

XXXX XXXX XXXX shows as a charge off as well as a balance at the same time. How can a charge off have a balance delete this inacuracy. 

XXXX  XXXX XXXX shows as charge off with a balance how can a charge off have a balance please delete this. 

XXXX  XXXX XXXX shows as charge off with a balance how can a charge off have a balance please delete this. 
XXXX XXXX XXXX  shows as charge off with a balance how can a charge off have a balance please delete this. 

XXXX  XXXX XXXX shows as charge off yet it has a balance how can a charge off have a balance please delete this. 

The following names on my profile are not my name XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX
Product: Checking or savings account

on XX/XX/XXXX i sent a Real time payment ( RTP ) from my HSBC checking account XXXX to my XXXXXXXX XXXX checking account XXXX in the amount of {$410.00}. The payment never arrived. I have been stonewalled by HSBC o nthis for months, they keep telling me they are investigating and then saying the money was received. it is my account and i can easily prove the money never landed with statements but they will not look at them. This happened with my HSBC savings account as well ( I will submit a seperate complaint ) within a few days of each other or the same day i can't even remember for around XXXX i bleieve. Same thing happened with that payemnt, it never arrived. HSBC stole my money and i can't get them to do anything. I am afraid to close my accounts cause then i'll have no relationship to get my money back but it's been more then 6 months and they have sent me a letter they will no longer investigate. So frustrating, they have stolen XXXX from me. please help!
Product: Credit reporting or other personal consumer reports

This is my fourth endeavor 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, block the noteworthy of any information in my credit record that came about due to 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Law 15 U.S.C 1692C On XX/XX/year> Midland credit management reported to my credit report for XXXX accounts that I do not have ownership of that I have collections. I have contacted them several times to cease communicating with me, the company still sends letters and emails to my home. As well as reporting to my credit reports I have a collection with them. {$2300.00}, {$1000.00}, {$460.00}.
Product: Debt collection

This letter serves as a formal demand for you to immediately cease and desist all attempts to collect a debt from me within the state of Louisiana, as ProCollect , Inc. is not licensed to collect debts in Louisiana, per the states licensing requirements. I have confirmed through the NMLS ( Nationwide Multistate Licensing System ) under state license management that ProCollect, Inc. does not hold the required license to collect debts in Louisiana. 

Despite my repeated attempts to resolve this matter, you continue to disregard my requests and persist in reporting this account to the credit bureaus monthly as delinquent. Your actions are a blatant violation of Louisiana state laws regarding debt collection licensing and the Fair Credit Reporting Act ( FCRA ). Under these laws, your collection activities are illegal and constitute harassment. 

I demand the following actions be taken immediately : 1. Complete Deletion of This Account : Remove this account from my credit reports with all credit reporting agencies.

2. Immediate Cessation of All Collection Attempts : Cease all contact regarding this account, including letters, calls, and reporting to credit bureaus.

Failure to comply with this demand will leave me no choice but to escalate this matter. I will file formal complaints with the Louisiana Office of Financial Institutions, the Consumer Financial Protection Bureau ( CFPB ), and the Federal Trade Commission ( FTC ). Furthermore, I reserve the right to pursue legal action against ProCollect, Inc. for violating Louisiana debt collection licensing laws and the FCRA. 

For your reference, I have enclosed proof from the NMLS website confirming that ProCollect, Inc. is not licensed to operate in Louisiana. Your lack of licensure invalidates your authority to collect on this account, and I expect this issue to be resolved without delay. 

Please confirm receipt of this letter and notify me in writing of the actions you have taken to resolve this matter. If I do not receive confirmation within 15 days, I will proceed with the aforementioned actions. 

Account Name : PROCOLLECT , INC | Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a 30 day delinquency reporting on all 3 credit bureaus. I 've spoken to 2 different agents within the credit department in reference to the delinquency. They assured me that this derogatory information would be remove due to an error in the delinquency reporting. It has been over 4 months and the late payment delinquency has not been removed. I 've been an account holder with the particular company for a long time and have been in good standing until this error which was not in my part.
Product: Mortgage

SPECIALIZED LOAN SERVICING IS REFUSING TO PROVIDE AUTHENTICATION OF THE MORTGAGE AGREEMENT AND DISCLOSURE DOCUMENTS THEY HAVE PROVIDED. WE HAVE REQUESTED NUMEROUS TIMES FOR A CERTIFIED COPY OF THIS DOCUMENT AS PROOF THAT IT IS A PHOTO COPY OF THE ORIGINAL AND SIGNATURES AND RUBBER STAMP ARE AUTHENTIC AND NOT INSERTED OR CUT AND PASTE. THAT NO PART IS MANUFACTURED BY COMPUTER GENERATED SOFTWARE OR ELECTRONICALLY ALTERED IN ANY WAY. THIS IS ANOTHER REQUEST FOR AUTHENTICATION. *************************************************
Product: Credit reporting or other personal consumer reports

I have information on my credit report that doesnt belong to me i would like the accounts removed from credit. I have a FTC REPORT I FILLED. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion NXXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

problem occurred  XXXX   XXXX . I tried resolving :  XXXX   XXXX  :  XXXX   XXXX   XXXX  :  XXXX   XXXX   XXXX  :  XXXX  x  XXXX   XXXX  :  XXXX   XXXX   XXXX  :  XXXX   XXXX   XXXX  :  XXXX   XXXX   XXXX  :  XXXX   XXXX   XXXX  :  XXXX   XXXX   XXXX  :  XXXX   XXXX   XXXX  :  XXXX   XXXX   XXXX  :  XXXX   XXXX   XXXX  :  XXXX   XXXX   XXXX  :  XXXX   XXXX   XXXX  :  XXXX   XXXX   XXXX  :  XXXX   XXXX   XXXX  :  XXXX   XXXX   XXXX  :  XXXX   XXXX   XXXX  :  XXXX   XXXX   XXXX  :  XXXX  the bank has ignored us and has NOT ANSWERED OUR QUESTIONS about how on earth someone other than myself and my husband ( the  XXXX  only card holders ) can just call up and get  XXXX  points. We have CONTACTED THE M 87 ti mes AS A COURTESY to ANSWER OUR  XXXX  questions as to how our PRIVACY has been breached and continues to be breached?! See attachment. The bank THINKS that by chopping up the card, giving us a new card and a few lousy points will suffice? NO WAY! ANSWER OUR  XXXX  QUESTIONS
Product: Credit reporting or other personal consumer reports

IDENTITY THEFT REPORT AFFIDAVIT name : XXXX XXXX address XXXX XXXX XXXX at XXXX XXXX, IA XXXX DOB : XX/XX/XXXX last 4 BBN : XXXX I make the following declarations under the penalty of perjury There are fraudulent accounts, inaccurate personal information, and unauthorized hard inquires appearing on my credit report and i want them removed immediately because they do not belong to me! i wrote XXXX, XXXX, Experian and the companies listen in the affidavit numerous times " DEMANDING '' that they " PROVIDE ME WITH PROOF '' of the original contracts, which contain my " WET SIGNATURE '' PER, the FCRA SEC.609.

I also requested that they remove all of the hard inquires that they put on my credit reports without my written authorization or consent. PER. FCRA BEO.604 I HAVE THE RIGHT TO PRIVACY! and although i made these request more than 30 days a I still have not received any response or relief, according to the law, ( 15 USC 1681 ) it is the credit bureaus an the data furnishers grave responsibility to insure maximum possible accuracy! thee fraudulent accounts, inaccurate personal informatic and unauthorized hard inquires are steal appearing on my credit reports, and it's hurting my ability to obtain credit. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

On my credit report there is an account called XXXX and this account is a collections account. According to conserve they are seeking to collect money that I owe the XXXX XXXX XXXX XXXX. I have disputed this as I never attended the XXXX XXXX XXXX XXXX  or took a course or did assignments there. I asked the University to provide me with proof that I did any assignments there and they were unable to provide me with documentation showing that I did an course/s there. I then filed an Identity Theft Affidavit with the Federal Trade Commission as I believe that I was a victim of Identity Theft. I sent a copy of the fraud affidavit to the credit bureaus and the reporting agency asking them to remove this fraudulent account from my credit report and they refused and failed to do so and this is a clear violation of the Fair Credit Reporting Act The law is explained below : The section of the Fair Credit Reporting Act ( FCRA ) that addresses the removal of fraudulent information related to identity theft is Section 605B ( 15 U.S.C. 1681c-2 ), which is titled " Blocking of Information Resulting from Identity Theft. '' This section states that when a consumer provides a credit reporting agency with an identity theft report, the agency must block the reporting of the fraudulent account or information from the consumer 's credit report. Specifically, it requires the credit reporting agencies to remove or block the reporting of information that is the result of identity theft within XXXX business days after receiving : 1 ) Appropriate proof of the identity of the consumer.

2 ) A copy of an identity theft report ( such as an affidavit ).

3 ) The identification of such information by the consumer.

4 ) A statement by the consumer that the information is not related to any transaction of the consumer. 


The consumer must submit an identity theft affidavit or report ( often obtained through law enforcement or an affidavit via the FTC ). 
Upon receiving the documentation, the credit reporting agency is obligated to block the fraudulent information from appearing on the consumers credit report. 
I have am submitting once again a copy of the fraud affidavit that I had submitted before and I am asking you to delete Conserve from my credit report immediately. A failure to do so will result in taking legal actions against your company for violating my rights under the Fair Credit Reporting Act. Delete the account called XXXX from my credit report immediately.
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. 

I told XXXX, XXXX, and Equifax to reinvestigate these accounts : Account : XXXX Account : XXXX Account : XXXX Account : XXXX Account : XXXX Account : XXXX Account : XXXX Account : XXXX Account : XXXX Account : XXXX Account : XXXX Account : XXXX Account : XXXX However, they stated everything was complete and accurate. 

According to 15 USC 1681 ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

15 U.S.C. 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 has reasonable cause to believe that the information is inaccurate.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

According to 15 USC 1681 ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

15 U.S.C. 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 has reasonable cause to believe that the information is inaccurate.

15 U.S.C. 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 has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently, I did an investigation on my credit report which caused XXXX  XXXX, and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correctly. 
In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ), these accounts are in violation of not reporting 100 % accurate. 
The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? 
As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure.
Product: Credit card

Amex REFERENCE number XXXX The unauthorized charges totaled {$37000.00}. They were charges from XXXX XXXX XXXX XXXX XXXX XXXX. American express claims I released my account number to a service establishment, so they are making me responsible for the charges. I never spoke to anyone or released my account number to any establishment. I never been to any of these merchants in the past. I have no XXXX products or anything from XXXX  XXXX. I have been a member of American express since 2015. I never had any charges from either of these merchants before in my past purchases.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Complaint Regarding Identity Theft and Unauthorized Use of Personal Information by Experian Dear CFPB, I am writing to formally file a complaint against Experian regarding the unauthorized use of my personal information, which has led to identity theft. 

My personal information has been utilized by Experian without my consent. This situation is not only distressing but also a violation of my rights as a consumer. 

I have also contacted Experian directly to resolve this matter, but I am still facing challenges regarding the unauthorized use of my personal information. 

I request that the CFPB investigate this matter and assist in ensuring that my rights are protected. I also urge you to hold Experian accountable for their actions and help facilitate the removal of improper use of my name that's listed on my consumer report. Also removal of the address listed above thata not tied to any of my accounts. Also if they send me an email about not removing it I will screenshot it and send it directly to the CFPB email address. 

Thank you for your attention to this serious matter. 

Sincerely, IVE TRIED TO FIX THIS PROBLEM THE LAST 2 MONTH AND NO RESOLUTION