23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified items listed below are still reporting on my credit report in violation of federal law. The 3 Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please update the following items completely from my Credit Reports XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$3700.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$15000.00}
Product: Credit reporting or other personal consumer reports

I am writing to dispute information reported on my credit report under my name, specifically a bankruptcy Report ID : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. This information is inaccurate and should be removed from my credit report. 

I would like to explicitly declare that I am the person identified in the credit report and that this is not a case involving a third party, as has been indicated in previous communications, which may have delayed this process. Furthermore, under the Fair Credit Reporting Act ( FCRA ), you are required to report only information that is XXXXaccurate and fully verifiableXXXX.

According to my understanding, you claim to have verified this bankruptcy through public records. However, I have confirmed that courts do not report or share bankruptcy information directly with credit agencies. In fact, I have an official letter from the court that explicitly states **they do not disclose bankruptcy information to any credit agency**. This indicates that the information was obtained from a third party, which raises serious concerns regarding its accuracy and my XXXXright to privacyXXXX 

Therefore, I request the following : XXXX. Provide specific evidence of how and with whom this information was verified, including the direct source ( court or authorized entity ). 
XXXX. Remove this bankruptcy from my report if you are unable to provide adequate verification in compliance with the FCRA. 
By law, I expect this issue to be resolved within 30 days.
Product: Checking or savings account

I received an email on XX/XX/year> that both my checking accounts are restricted. I tried to use my debit card on XX/XX/year> and it was declined. On XX/XX/year> I called Chase Bank to see what was going on as I have been a long-time customer with no issues. I was advised they are terminating the relationship and closing my accounts. No explanation was provided. I was also informed I am not able to withdraw the thousands of dollars in my accounts. I am leaving the country and have no way to access my own money and no way to receive a paper check from them.
Product: Bank account or service

checking account was over-drafted. I had, according to Chase until XXXX to cover the overdraft and avoid fees. An account transfer was done at XXXX and reflected in the account as covering the overdraft. Checked with the phone app and website and both showed the overdraft covered with a positive balance. Last time checked was midnight and it still showed a positive balance. Next day XXXX overdraft fees were charged to the account. Branch officer said that was because transfer was not done before XXXX but account showed positive balance before the charges.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

I am requesting that the following account be verified or removed immediately. 

UNKNOWN US BKPT CT AR LITTLE R Date Filed XX/XX/2016 Type Bankruptcy chapter XXXX-discharged Reference XXXX Plaintiff
Product: Credit reporting, credit repair services, or other personal consumer reports

I seen that a company XXXX XXXX XXXX was recently a deliquent account that was added to my credit report as I have no account or connection with this company or affiliates. This is a fraudulent account that is being reported on my credit report.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

XXXX financial sold the alleged debt to XXXXXXXX XXXXl and I did not authorize it. I was not made aware if this identity theft that took place. XXXX responded back with bills which is not validation. XXXX has removed this account so XXXX needs to follow suit. They have harmed me while reporting g this account and I will sue them in federal court for damages.
Product: Credit card or prepaid card

I made a reservation for a rental car with XXXX. The rental car company in question was XXXX. The Res # is XXXX with an ext ref # XXXX. I used my Chase Saphire Card ending in XXXX. When we arrived at the rental card company to pick-up the car, XXXX could not find our reservation. The counter person said, " This was between me and XXXX. '' Since I was stuck at the airport and needed a rental car, I booked another reservation with XXXX for XXXX. The above are the reference numbers for the car I received. Since I found this to be abnormal I called Chase to see if I had been charged twice. After review of the statement I found that a charge was posted on XX/XX/XXXX and one was showing authorized for the reservation I just made, infact being charged twice. After discussing this with XXXX they refused a refund saying these were non-cancelable / non-refundable reservations. Bottom line is I paid for two cars, received one, and neither Chase nor XXXX was willing to make it right with me. To make things worse, I late received an email from XXXX saying their system was not functioning properly and wanted information about the car that I had.
Product: Mortgage

Chase Mortgage Financial is claiming I didn't pay the mortgage on specific months though I have confirmation I did then refused my mortgage payments for 3 straight months forcing me to get assistance from the HUD HOPE program where I made 4 consecutive payments during which Chase decided to hire a debt collector and had a summons served for a ridiculous amount of money that I simply do not owe. Due to Chase 's negligence in properly managing this mortgage, it has turned into a complete nightmare. It should be noted, Chase and the debt collector ( who is a law firm ), refused to honor a cease and desist order via the HOPE program.
Product: Credit reporting

I have been trying to get fraudulent information originating from a collection agency that is trying to collect a debt from someone with a different name address and social security number removed from all of the reporting agencies. I mailed a dispute to Transunion and after XXXX days with no response I tried to use their web site to find out what is going on, unfortunately for me I am locked out of doing so due to my bad memory, several years ago I used Trans unions web site and set a password I can no longer remember with an email address I no longer use and a secret question I can not recall, They give a phone number to call but the barely audible person who answered insisted she can do nothing without the forgotten information. I have tried XXXX times to deal with the barely understandable phone support to fix this without result. I mailed my dispute XXXX days ago with absolutely no response from Transunion, I can not use their web site because there is no way for old people with bad memories to fix forgotten passwords. I have been economically harmed by the credit reporting agencies accepting information that even a child would recognize as not relating to me. A different name address phone number marital status and social security number with active accounts XXXX miles from where I live. How is it even possible for the collection agency to dump all of this completely different information into my report, I have lived at the same address for XXXX years, openly used only XXXX name, reported my income taxes using only XXXX social security number ( the one I was given XXXX years ago ). How can I suddenly live in XXXX and XXXX at the same time? Work in XXXX distant places at the same time? Buy groceries in XXXX and go out to dinner in XXXX at the very same time? That this is still not fixed shows the credit industry has no regard for the victims of their incompetence. I can not reset a forgotten password but a dishonest collection agency can give me a new name, a wife, possibly children, several new addresses, a new phone number, a new social security number and a complete credit history that takes place XXXX miles from where I live.
Product: Credit reporting or other personal consumer reports

XXXX XXXX has reportedly car note late. It was not late and now my score has dropped almost one hundred points. Additionally, I would like the call pulled in which I made the payment and I was told because I was paying with my debit card.
Product: Payday loan, title loan, personal loan, or advance loan

I had a title loan through Wilshire and my car got repossessed and when the car was repossessed, they sold it for {$15000.00} and so my refund was for {$10000.00} and every time I'm calling to receive my money from this company I'm put on hold for 51 minutes to hour two hours you know they dropped the phone calls. I'm requesting information about when my check is going to be issued to me. They told me you would be like 3 to 5 business days one time and then I called back in the telling them that the check was not here and they continuously try to put me on hold and hang up. Hang up on me.
Product: Credit reporting or other personal consumer reports

I am disputing the negative items listed on my credit report as they do not belong to me. I have thoroughly reviewed my records and can confirm that these accounts are either incorrect or do not match my personal information. 
I request that these inaccurate entries be removed from my credit report as soon as possible. I have attached supporting documentation to verify my identity and demonstrate that these items are not associated with my credit history. 
Please investigate this matter promptly and update my credit report to reflect accurate information. 

Account Name : XXXX XXXX Account Number : XXXX Balance : {$17000.00} Reason : I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account Date of Last Activity : Inaccurate Close Date : Inaccurate Payment status : Inaccurate Account Name : XXXX XXXX XXXX Account Number : XXXX Balance : {$0.00} Reason : I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account Date of Last Activity : Inaccurate Close Date : Inaccurate Payment status : Inaccurate Account Name : XXXX XXXX Account Number : XXXX Reason : I previously disputed this account on XXXX regarding the missed and late payments. I disagree with your investigation results. Please provide proof of the negative payment history, or remove the incorrect information from my report. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : I previously disputed this account on XXXX regarding the missed and late payments. I disagree with your investigation results. Please provide proof of the negative payment history, or remove the incorrect information from my report. 

Account Name : XXXX XXXX  XXXX Account Number : XXXX Reason : I previously disputed this account on Experian regarding the missed and late payments. I disagree with your investigation results. Please provide proof of the negative payment history, or remove the incorrect information from my report. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : I previously disputed this account on XXXX regarding the missed and late payments. I disagree with your investigation results. Please provide proof of the negative payment history, or remove the incorrect information from my report. 

INQUIRIES : Experian XXXX XXXX XXXXXXXX XX/XX/year> XXXX XXXX XX/XX/year> The items listed are not associated with my credit history and do not belong to me. I request that these accounts be fully investigated and removed from my report. Despite previously reaching out to both the credit reporting agency and the data furnisher, the issue has not been resolved. Attached are supporting documents and screenshots of my credit report to help verify my claim. Please investigate this matter promptly and update my credit report accordingly.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are several items reporting on my credit file that do not belong to me. These items are reporting on my credit report as a result of identity theft. Please assist me in getting these items removed from my credit file : XXXX XXXX XXXX FKA XXXX XXXX XXXX XXXX ( 2 Times ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Incorrect Addresses : XXXX XXXX XXXX, XXXX XXXX, Incorrect Names : XXXX, Now XXXX, XXXX, XXXX Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX ( 2  Times ) 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

I was informed recently that I was a victim in the XXXX XXXX XXXX and I have close to 10 derogatory accounts reporting on my credit report. After sifting through my credit report, I have found some errors on these fraudulent accounts that were opened in my name. I have disputed these accounts a few times with no change. The main error is on one of the following accounts is reporting a name of XXXX XXXX and also XXXX XXXX. I would never open a account under either one of these names. Here is a list of the following accounts. ( I have filed a police report and also filed a report with identity theft.gov. 

XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX  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
Product: Credit reporting or other personal consumer reports

I want to report some fraudulent inquiries that are on my Equifax credit report and I want them to be deleted as soon as possible. They have been laying and sending me papers saying that the fraudulent inquiries have been deleted but they are still on my credit. Here are the fraudulent inquiries : XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, MO XXXX XX/XX/XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, SD XXXX XX/XX/XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, SD XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, SD XXXX XX/XX/XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, SD XXXX XX/XX/XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, SD XXXX XX/XX/XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, SD XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

You are in direct violation of the fair credit reporting act XXXX XXXX has violated several of my rights. 

15 U.S.C 1681 sec 602 A. Clearly states that I have a right to privacy.

15 U.S.C 1681 sec 602 A. Also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1666B. A creditor may not treat a payment on a credit card account under a open-end consumer credit plan as a late for any purpose. 

Remove these late payment and update this account immediately as you are in direct violation of several laws under the fair credit reporting act.
Product: Credit reporting, credit repair services, or other personal consumer reports

Yesterday XX/XX/ I noticed ANOTHER unauthorized fraudulent inquiry on my credit report. I have already filed a complaint for the other inquires that are fraudulent and I am waiting for a response back from those. Since then, another fraud inquiry has showed up on my account. Tried to dispute it soon as i saw up come up on my report. Equifax said it will remain on the account no matter what. There investigations they do are truly investigations, because it was less than 24 hours and they had already made a decision on it. These are NOT mine, I need them removed immediately. Equifax already had the wrong name on my account until I recently got them to remove it finally.
Product: Credit card or prepaid card

On XX/XX/XXXX Capital One received an entire outstanding balance payment of {$63.00} from me and should have been a XXXX  balance. They claim the bill was due XXXX. A bill for annual membership {$25.00} which was not designated on the bill plus a {$.00} interest arrived XX/XX/XXXX. I inquired via telephone about the {$25.00} fee and was told it was annual membership fee. I told the call center rep. I did not want to pay a member fee and she stated no supervisor was on duty to resolve the problem. On XX/XX/XXXX I closed the account because I believed the Capital One organization was commuting financial fraud against senior citizens in their billing practices and lack of forthright listings on the billing paper form. Calling back to Capital One on XX/XX/XXXX after receiving the XXXX billing statement which was now {$51.00} with an unlisted late fee of {$25.00}. The minimum suggested payment due is {$51.00} leaving {$.00} balance to start all over a chance for the next minimum interest of {$.00} and possible late fees. Two employees were unable to fairly resolve this dispute. I closed the account and believe I only owe the {$.00} interest and no fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act Everything has to be 100 % accurate on my credit report. 

The Credit bureaus stated my account was properly investigation but how is that possible I the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This grounds for removal they also violated my rights under 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 : is also states a consumer reporting agency can not furnish an account without my written instructions OHIO DEPT OF HUMAN SERVICES XXXX XX/XX/XXXX ACCOUNT # XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ACCOUNT # XXXX INQUIRY XXXX XXXX NA XX/XX/XXXX REMOVE ADDRESS XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX CA, XXXX Address ID # XXXX Single family XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX Address ID # XXXX Single family XXXX XXXX XXXX XXXX XXXX CA, XXXX Address ID # XXXX Single family XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX ID # XXXX Single family XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX Address ID # XXXX Apartment complex XXXX XXXX XXXX XXXX XXXX XXXX CA, XXXX Address ID # XXXX Apartment complex XXXX XXXX XXXX XXXX  XXXX CA, XXXX Address ID # XXXX Single XXXX XXXX XXXX XXXX XXXX XXXX CA, XXXX Address ID # XXXX Single family XXXX XXXX XXXX XXXX  XXXX CA, XXXX Address ID # XXXX Single family XXXX XXXX XXXX XXXX  XXXX CA, XXXX Address ID # XXXX Single family XXXX XXXX XXXX XXXX XXXX  XXXX CA, XXXX Address ID # XXXX
Product: Debt collection

Was sent this email and I have never taken a loan out. It keeps coming up in my spam email. 

CUSTOMER ID : XXXX CASE FILE # : XXXX LOAN INFORMATION PAST DUE AMOUNT - {$930.00} CREDITOR - ACE CASH SERVICE This is to inform you that Legal Proceedings have been issued on your Docket Number XXXX with one of XXXX XXXX XXXX in order to notify you that after making calls to you on your phone number we were unable to get hold of you. That is the main reason the Accounting Department of XXXX XXXX XXXX has decided to mark this case as a flat refusal and press legal charges against you. 

You are going to be legally prosecuted in the Courthouse within a couple of days. Your S.S.N is to be put on hold by the US Government, so before it happens we would like to notify you about this matter. 

Consider it is a final warning from our side. And we will be Emailing/ Fax this issue to your current employer to make sure that they take strict action against you. Your salary wages will be garnished too. 


THERE ARE 3 SERIOUS ALLEGATIONS AGAINST YOU : ( 1 ) VIOLATION OF FEDERAL BANKING REGULATION ( 2 ) COLLATERAL CHECK FRAUD ( 3 ) THEFT BY DECEPTION Right Now We must have to proceed legally against you and your SSN, once it is processed the creditor has entire rights to inform your employer and your references regarding this issue and then, the lawsuit will be the next step which will be cost to you {$4000.00} and will be totally levied upon you. If you want to take care of this out of the court then we will release the clearance certificate from the court and we will make sure that no one will contact you in the future. 

Let us know what is your intention towards this matter so we can put this case on hold else we will submit the paperwork to your local sheriff department and you will get court summons at your doorstep. 

WE ARE GOING TO REPORT ALL INFORMATION ABOUT YOUR ACCOUNT TO CREDIT BUREAUS. DELAYED PAYMENTS, FAILED PAYMENTS, OR OTHER FAULTS IN YOUR ACCOUNT WILL BE REFLECTED IN YOUR CREDIT REPORT. 

TERMS & CONDITIONS YOU AGREED. 

If you want to resolve this matter then direct contact us thru email or call at ( XXXX ) XXXX between working hours XXXX AM to XXXX PM ( EST ). 



In order to resolve this you can contact us at XXXX or E-mail us back onto the same email. 

Best Wishes ACE CASH SERVICES Phone ( XXXX ) XXXX Department of Law & Enforcement ( ACS ) Terms of use | Privacy Statement Note : This Communication is from Debt collector. This is an attempt to collect debt. Any Information obtained will be subjected to that Purpose only.
Product: Debt collection

On  XXXX   XXXX   XXXX  i  sent a debt validation letter to santander consumer and they have not responded to my letter that they signed and received on  XXXX   XXXX    XXXX   i ask that the remove this debt from reporting on all  XXXX  crefit bureaus or send me validation which are my consumer rights.