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

Sometime last month I went to deposit a small check only to see my bank account had a negative balance from over XXXX XXXX XXXX quickly found out it was all about a website XXXX, a betting website.I have continued to try and understand how this happened and explained this to chase many times.The bank then returned the funds pending their investigation.I now am being told that they have decided against me in this case.I can not understand any of this .Most importantly as Ive been saying why did chase allow these transactions to go on when they shouldve known I have never made these type of charges in 20 years!!! Had chase notified me in any way this is a problem that couldve been stopped..This is a failure on chase whom Ive banked with exclusively and I dont find their decision acceptable in any way
Product: Credit reporting or other personal consumer reports

I XXXX XXXX XXXX, XXXX # XXXX. XXXX # XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA $ 605B ( 15 U.S.C. & 1681c-2 ) that you. The XXXX and XXXX credit reporting agencies, block information on my consumer credit that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX inquiry ( XXXX XXXX XXXX ). Opened XX/XX/XXXX. A collection account ( XXXX XXXX XXXX ). A cellphone account opened XX/XX/XXXX with a balance of {$1300.00}. A collection account ( XXXX XXXX XXXXXXXX XXXX ) Opened XX/XX/XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer fraudulent credit report. I have attached a list of hard inquiries and collections in question. The aforementioned inquiries and collection accounts appearing on my consumer credit report maintained by you were not opened, made or initiated by me. They are all a result of identity theft. I have attached a copy of FTC Identity Theft Criminal Complaint ( # XXXX, # XXXX, # XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit account, collections also hard inquiries are a result of identity theft and fraud.
Product: Debt collection

I received a collection notice from XXXX XXXX on XX/XX/XXXX, I've contacted them multiple times and explained to them this is not my account. I've contacted the Credit Bureaus as well and they continue to report this fraudulent collection on my XXXX  and XXXX XXXX Credit Reports.

I've been dealing with Identity Theft matters since XXXX and on XX/XX/XXXX I received multiple voicemail messages and emails, my bank accounts, credit card accounts and personal email accounts were compromised without my knowledge and/or consent. I called my bank ; I called all my credit card accounts and auto loan account. A person pretending to be me attempted to access all my accounts, they scheduled approximately {$250000.00} in payments from my checking account. They applied for multiple lines of credit and attempted to make additional purchases with my accounts. They changed my login and contact information for my credit card accounts, bank accounts and my email accounts. They also created fake email accounts in my name. Im confident that I know who did this to me, because this has happened before, and it was my mother and my brother. My moms name is XXXX XXXX XXXX and my brothers name is XXXX XXXX XXXX. My mother and brother have all my personal information and I believe they are trying to destroy my life. 

I had fraud alerts on my credit profile, but they were still able to access my credit profile. Ive had an on-going battle with the credit bureaus and creditors trying to clear my name from this fraudulent activity. I continue to write to the credit bureaus and Creditors Bureaus USA Collection Company ; however, I continuously receive responses from the credit bureaus and creditors that this account is verify as accurate and correct. This has got to stop ; the credit bureaus and creditors need to immediately clear my name from this fraudulent activity. I will continue to fight and clear my name and I will utilize every legal resource to clear my name from this continued fraudulent activity. I will be filing additional complaints with the Consumer Financial Protection Bureau and the Federal Trade Commission. I will also take legal action against the credit bureaus and creditors if they do not clear my name from this fraudulent activity.
Product: Debt collection

As early as XXXX, I am seeing negative medical collections items on my credit reports as follows : Date of Service : XX/XX/XXXX AMT : XXXX Acct # : XXXX ; XXXX XXXX XXXX Date of Service : XX/XX/XXXX AMT : XXXX Acct # : XXXX ; XXXX XXXX XXXX Date of Service : XX/XX/XXXX AMT : XXXX Acct # : XXXX ; XXXX XXXX XXXX Date of Service : XX/XX/XXXX AMT : XXXX Acct # : XXXX XXXX  XXXX-XXXX XXXX The dates above are for medical expenses that were billed to me. The original creditors have since sold the debt to a local debt collection agency, GLA Collections. The amounts disputed have never been verified with me, despite several letters to the 3 bureaus requesting the documentation bearing my signature contracting I owe this debt. Additionally, I have always had some sort of health coverage, whether it was under my father 's plan up through summer of XXXX, where my employer has now covered my insurance consistently through the present. Through corresponding with the credit bureaus and directly with the creditor, GLA Collections, the only documentation they can provide is the date of service along with the provider and amount billed to me on generic computer print out statements, without any description of the service to prove the validity of the charges. As of XX/XX/XXXX, I had also sent a letter to the Privacy Officer of  the hospital over these charges in regard to them violating HIPAA when selling my information to a collections agency without my consent or knowledge. Since that correspondence, I still have not received the written communication I requested to verify this debt.
Product: Debt collection

Credit Payments have not yet updated, although payments were made. Made payments to two of my Capital One cards, received confirmation of payment from one of my XXXX XXXX accounts, some of my Capital One Bank Cards, and one of my XXXX XXXX XXXX XXXX XXXX, but it didn't update the credit when payment made as was with XXXX XXXX XXXX accounts made in similar time frame. All payments made at similar time, and in a similar way before any deadline, and want to ensure properly credited on day payment made. What is the issue?
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to experian a number of times to get my information on my credit report corrected. I am tired of going back and forth to have correct information updated and removed that is inaccurately reporting. 

There is a bankruptcy that is inaccurately reporting that needs to be removed. I have attempted several times to have the information removed and have yet to have it corrected. I know the information is not reporting with XXXX XXXX like XXXX  advises time after time in letters sent. XXXX XXXX does not have any record of a bankruptcy an this information needs to be removed from my public record sections. 

I also have inaccurate inquiries reporting that need to be removed I did not apply for credit these are inaccurate. I am not going to the creditors to ask for removal since I never applied XXXX  is reporting and XXXX  needs to remove the following inquires XXXX XXXX/XXXX XXXX Comp XX/XX/XXXX XXXX XXXX/XXXX XX/XX/XXXX XXXX  Mortgage XXXX XX/XX/XXXX XXXX : I have disputed the following inquires with XXXX and have not been helped per the FCRA if information is reporting inaccurate it needs to be removed the following creditors did not have my permission to pull or access my credit reporting causing inquiries. I am not reaching out to them directly XXXX is the ones reporting and the ones that need to make a corrections to these fraudulent inquires XXXX  Mortgage XX/XX/XXXX and XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Trans Union I have disputed the following inquires with TransUnion and have not been helped per the FCRA if information is reporting inaccurate it needs to be removed the following creditors did not have my permission to pull or access my credit reporting causing inquiries. I am not reaching out to them directly TransUnion is the ones reporting and the ones that need to make a corrections to these fraudulent inquires XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX of XX/XX/XXXX
Product: Debt collection

I am receiving numerous calls from Van Ru Credit Corporation ( XXXX ) about a delinquent debt that I do not have.
Product: Vehicle loan or lease

This vehicle is not in my possession and I don't know where it is. The company was not understanding, and very addiment that they were not going to resolve the issue for me at all. I am looking for this to be removed and to not affect my credit report, or score.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX mortgage company set me up to fail from the beginning. They never sent a welcome letter or statement due in XXXX. I only found out when I called my previous mortgage to pay. They gave me a number to call and when I did, they told me my account was not set up yet and to call back next couple weeks. When I called back, this person told me to call a different number which I did and was told to register my account. When I proceeded to pay, it only allow me to pay XXXX so I called again and was told to just pay that amount and will even out next time but I said that I needed to pay my full amount and was told not to worry about it. XXXX came and again tried to pay but only allowed to pay XXXX and I called company again and was told again not to worry about it that it will even out next month so XXXX came and finally allowed me to pay full amount of XXXX which I did. I thought maybe it takes a couple months to even out so I didn't worry. After my XXXX payment, I found out that I was a late on my payments? but I said why didn't they tell me on my XXXX statement to pay all that was owe, why wait for the XXXX statement to say that I was late. I feel because of this company 's mistake and not taking responsibility for their mishandled of what was due, my credit score is being affected. I was not even given a chance to pay on time in XXXX because I never new they were my new mortgage company. I never received anything from them. Who does that?. Again why is this my fault? Now, my XXXX payment was on time and why is it showing that is was late?. I hope this gets fixed
Product: Debt collection

This debt of {$660.00} is related to an Alarm Company : XXXX, that ceased to provide services in XXXX XXXX back in XXXX, although they kept charging monthly, after several attempts, requests, letters to request to stop automatically charging my Company XXXX XXXX XXXX ) for services not received, I requested our bank to do not process these automatic payments any more, as they were not authorized and the Alarm CompanXXXX had several times confirmed that they were not going to keep charging, although they kept doing it. I was contacted by a collection company ( MOUNTAIN RUN SOLUTIONS ) some weeks ago regarding this Debt, I explained everything and told them that it is XXXX  which actually should be refunding us for all the automatic charges they promised not to do, but they did any ways. They didn't care, they didn't listen, they didn't request for any back up information, which we have, they told me I had to pay and if not I was going to be reported to the credit agencies, even though the debt is under the XXXX XXXX company name. Today it is a collection in my credit Report and I lost XXXX points from my score for a {$660.00} debt collection that is from more than 5 years ago, from services not rendered, unlawful charged, and not my personal debt.
Product: Student loan

Due to incorrect information provided by XXXX and statements being sent to an incorrect address this account was incorrectly defaulted. I continued to set up a payment arrangement with the citizens bank which is the owner of the loan, XX/XX/XXXX i sent in several payments and they were returned to me in the mail, I pursued to call citizens bank on XX/XX/XXXX to see why the payments were returned and was advised that the loan was with the " bankruptcy department '' i advised that I have never filed bankruptcy and immediately disputed this directly with citizens bank. on XX/XX/XXXX I contacted the credit bureaus and disputed the reporting to which citizens bank and XXXX confirmed that every thing was correct. i called back the company on XX/XX/XXXX and spoke to a representative XXXX, the rep advised that the account is still in bankruptcy. I advised that i need to have my account rectified as i am incurring several negative issues due to this. I asked the rep to have a letter sent to me confirming that the account has been removed. XXXX went on to advise me that she can not do this and all letters of such goes through the legal department and that takes XXXX months to complete. she went on to transfer me to the bankruptcy department that denied providing me any information on my account in regards to when the account was placed in bankruptcy or why it was placed there, although i was fully verified. i was then finally transferred to the legal department to a rep named XXXX. After a detailed explanation XXXX advised me that my account was incorrectly placed in bankruptcy on XX/XX/XXXX. I forwarded a letter on XX/XX/XXXX with tracking number XXXX detaling all my various disputes and inquiries that the company incorrectly provided information to the credit bureaus to and requested that as a result of several violation of the fair credit reporting act, this account be removed from all credit reporting. on XX/XX/XXXX I received a call from XXXX XXXX XXXX who had no information on the account and advised me that the company had never received a letter although the tracking showed it was received and signed for by their agent. she stayed several weeks reviewing this and on XX/XX/XXXX seven months after I initially disputed the incorrect reporting of my account as bankruptcy i was sent a letter stating that the account was placed incorrectly in in bankruptcy on XX/XX/XXXX and removed from bankruptcy on XX/XX/XXXX. during that time I have been denied a mortgage by XXXX XXXX, denied credit cards, and had credit cards approved with very high interest rates. I would like to have this account completely removed from my reporting due to violation of my rights on several accounts.
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 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 finish 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 seven years. 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 or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian Information Solutions Inc . 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Re : Security Freeze Request Dear Sir/Madam, I, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX submit this affidavit to request a security freeze on my credit report. Pursuant to my rights under applicable federal and state laws, including but not limited to the Fair Credit Reporting Act and any other relevant regulations, I hereby formally request that a Security Freeze be placed on my credit file immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Security Freeze Request : o I request that a security freeze be placed on my credit report to prevent unauthorized third-party access, except for those legally authorized or with my explicit consent. 
o This freeze should remain in place until I personally request its removal in writing, in compliance with applicable legal requirements. 
Attached Documentation : I have attached the following documents to verify my identity and process my request : o A copy of my drivers license or government-issued ID. 
o A copy of a recent utility bill or bank statement confirming my current address.

o A copy of my Social Security Number. 
Affirmation : I declare under penalty of perjury that the information provided in this affidavit is true and correct to the best of my knowledge. This request is made in good faith to protect my credit information. 
Confirmation Request : I hereby request written confirmation of the receipt and implementation of this security freeze request. I appreciate your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information that is being reported on my credit report. 
Specifically, the following items are incorrect and are negatively impacting my credit score : Account Name : XXXX XXXX  Account Number : XXXX Reason : Im reaching out because I dont agree with the negative payment status and history reported on this account. Could you please provide copies of all statements showing the past due amounts for any missed payments and the exact date the account was marked as negative? 

Account Name : XXXX XXXX XXXX Account XXXX Reason : Im reaching out because I dont agree with the negative payment status and history reported on this account. Could you please provide copies of all statements showing the past due amounts for any missed payments and the exact date the account was marked as negative? 


Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Reason : Im reaching out because I dont agree with the negative payment status and history reported on this account. Could you please provide copies of all statements showing the past due amounts for any missed payments and the exact date the account was marked as negative? 

INQUIRIES : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 I believe these items are either inaccurately reported or have already been resolved, and Im requesting a thorough investigation and correction. Ive already reached out to the credit reporting agency and the data furnisher, but the issue remains unresolved. Ive attached supporting documentation, including screenshots of my credit report, to highlight the inaccuracies and support my claim. Please review this matter promptly and update my credit report to ensure it reflects accurate information.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate complaint, I'm not using any third party for this matter, I represent myself by myself and file this complaint due to the new evidence. 
XX/XX/2022 I sent a letter to the courthouse asking do they report bankruptcies to the credit bureau and I got a letter from them on XX/XX/2022 stating '' They do not report any bankruptcies to anybody ''. So if that's the case. How did the Transunion credit Bureau verify my bankruptcy as 100 % Accurate? They never did a fair investigation according to the 15 USC 1681. 15 USC 1681 section 603 ( 3 ) ( E ) States ; XXXX XXXX XXXX XXXX is not correct item and must be removed immediately from my report. The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbor, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. They also violated my rights numerous times. The credit bureaus violated my given rights under 15 USC 1681. According to:15 USC 1681 section 602 A. States I have the right to privacy. According to 15 USA 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. According to 15 USA 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 causes to believe that the information is inaccurate. this record must be deleted from my Transunion Credit REPORT. Only Transunion has reported this information on my credit history.

I know my rights and I submitted this matter with all evidence to Attorney General.
Product: Credit card or prepaid card

In XXXX, XXXX I purchased with very specific details in writing a custom Chair from XXXX XXXX of XXXX, XXXX and charged it to my American Express credit card. It was delivered to my home on XX/XX/XXXX. I immediately called and texted the Sales Representative, XXXX XXXX and told her the merchandise XXXX was not what I ordered or expected and to make arrangements to pick up the chair and process a return. The store.representative XXXX XXXX provided ill advice and the store never made immediate arrangements to pick up the chair. After waiting on the Merchant to take corrective action. I opened a dispute with American Express XX/XX/XXXX and asked for a charge back and returned the defective merchandise to XXXX. As of XX/XX/XXXX this matter remains an issue that I am left to deal with on my own. the merchant has refused to issue a refund using the excuse, American Express failed to inform them the dispute is closed. American Express did not do their due diligence and investigate this matter properly and provide protection based on the CFPB guidelines. American Express and their Agents misrepresented their intentions to provide relief to me and handle my dispute responsibly and due to American Express abject failure I am now at the mercy of an unscrupulous merchant ( XXXX XXXX of XXXX, XXXX ). As of XX/XX/XXXX American Express has not reversed the charges, after I have submitted testimony, evidence and made numerous calls that the charges should be reversed. The charges continue to incur interest and reporting as a legitimate balance on my account. I have suffered undue financial harm and stress based on American Express inaction and biased treatment and compel the CFPB to act on my behalf.