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

Complaint regarding ChexSystems, Inc The 'Inquirer being XXXX XXXX XXXX XXXX , of an Inquiry Date of XX/XX/XXXX. The Reported Information from Check Systems in Form Request prepared for XXXX XXXX XXXX # XXXX. 

The Escalated ' Concerns for Old Information reappearing As ' Reported Information by CheckSytems. I have a 'good repoor ' with the Source of Information As ' XXXX XXXX XXXX . I  was Assured by the XXXX XXXX  President 17 Months Ago that ' this Issue was Resolved. On XX/XX/2018, I ' informed the XXXX XXXX President that ' yet, again there was Old Information still being Reported through CheckSytems. 

Additional Information ' on the Check Systems Report claims ' that ' XXXX also, received this Information, but upon checking with XXXX this is not. true on 'all XXXX Reports. 

Since, CheckSytems refuses to Remove this Information from their Database, And I feel that ' the Information is being used for Identity Theft, I would like to further the Compliant ' with Investigation. 

In a 'gathering of data ' I ' have provided Documentation that ' the Debt of Merchant Disputes were the Negligence of XXXX XXXX Dispute Department , and the Debt was Resolved. 

CheckSytems, XXXX XXXX  and numerous Merchant disputes offers 'Explanation to Continuing Identity Theft, Domestic Finance and Continuing Domestic XXXX being Investigated by, the Federal Bureau of Investigations as well As ' recent and past Compliant ' submissions to the FTC and the CFPB. 

Check Systems also, provided the wrong address recognized by the FBI As ' XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NM XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Reporting date XXXX. XXXX, 2021 Amount {$120.00} I contacted this company to ask for verification of this account unfortunately, they was not able to do so and they are still reporting. 
It is not my intention not pay for debt that I owed, however, I do not recalled doing any type of business with this company, however, I asking this company to verify this account and I am not asking for any atomized bill, I am asking for contracted with my signature that stated I have done business with this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE PROBLEM IS WITH INVESTIGATION THAT TOOK PLACE WITH CREDITOR FNBO THE COMPLAINT WAS FILED THROUGH CFPB AND RESPONSE CAME THAT THE INFORMATION IS ACCURATE AND BELONGS TO ME ITS ABOUT FNBO CARD I SUBMITTED COMPLAINT TO XXXX ABOUT ADDRESS THAT DO NOT BELONG TO ME AND UPON INVESTIGATION XXXX CAME WITH A CONCLUSION THAT ADDRESS DID NOT BELONG TO ME AND ERASED IT AND THE ADDRESS WAS XXXX XXXX XXXX SAME ADDRESS THAT WAS USED TO OPEN THESE ACCOUNTS SO HOW THE VERIFY THAT THE INFORMATION IS ACCURATE WHEN THEY SHIPPED THESE CARDS TO THE ADDRESS THAT I NEVER LIVED IN? I UNDERSTAND THAT NAME DOB AND SSN IS MATCHING AND ARE MINE BUT IT IS NOT PROPER REASON TO BELIEVE THAT ACCOUNTS WERE OPENED BY ME THAT WHAT ITS CALLED IDENTITY THEFT WHENEVER SOMEONE IS USING YOUR INFORMATION WITHOUT AUTHORIZATION TO OBTAIN GOODS OR SERVICES UNDER YOUR NAME IF ITS CELLPHONE THAT THE NUMBER IS TRACING TO ME I HAD A OPEN DISPUTE WITH XXXX ABOUT STOLEN PHONE WHEN I ORDERED IT SO THERE IS ABSOLUTELY NO EVIDENCE OR SUPPORTING EVIDENCE TO KEEP THIS ACCOUNT ON MY CREDIT REPORT
Product: Credit reporting

To who it may concern ; yesterday morning, XXXX XXXX I contacted the Experian Fraud department and disputed multiple information that is fraudulent on my credit file, XXXX of which are my contact information, Name, address etc. and the other of which is a collection that has appeared on my credit file. I have since contacted XXXX and XXXX XXXX XXXX XXXX and am attaching proof that XXXX XXXX XXXX and XXXX have now deemed this as fraud. The letter attached is directly from XXXX XXXX XXXX 's Fraud department. The following is the information needed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX phone # XXXX Partial account # XXXX Original Creditor XXXX XXXX Please update my credit file to only reflect the following name variations : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

JPMCB is reporting unvalidated negative information on my credit profile to the three major credit bureaus ( XXXX XXXX, & XXXX ).
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX & XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

LITIGATION IN PROCESS ACT IMMEDIATELY YOU ARE IN VIOLATION THIS IS A NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY COMPENSATION UNDER FCRA 15 U.S. Code 1681n Civil liability for willful noncompliance and 15 U.S. Code 1681o Civil liability for negligent noncompliance and 15 U.S. Code 1692k civil liability.I have been trying to resolve this matter for some time with your agency, and the corporations and debt collectors you allowed to fraudulently place inaccurate items on my credit report without permissible purpose, along with violating many other rights I am able to enforce as a natural person. Moreover, you continued to report items that are not 100 % accurate ( the most important job as a credit reporting agency ) as well as without my permission. I have had to forcefully study to find out the numerous ways that I have been violated, but my perspicacity and indefatigability assisted me to this very moment. I am a consumer that can take litigation earnestly, meaning that I am unreasonably prone to go to law to settle disputes, and am currently in the process of taking legal action in this matter to enforce my rights under the FCRA and FDCPA. This is my official notice for you to remove everything that is in violation of the laws mentioned in my AFFIDAVIT OF TRUTH, LITIGATION LETTER ( THIS ATTATCHMENT ), FTC REPORT, CFPB COMPLAINT, XXXX COMPLAINT, ATTORNEY GENERAL COMPLAINT, SOCIAL MEDIA HANDLES, AND FEDERAL COURTS IF NOT RESOLVED PEACEFULLY AND QUICKLY. WHICH I WILL BE USING AS CRUCIAL EVIDENCE, in your ability to willfully neglect the laws that have been put in place to refute situations such as mine.These items should be deleted immediately while in litigation pursuant to FCRA guidelines. If you fail to comply with Federal Law and not delete these items after receiving this paperwork will result in your company owing XXXX per violation.
Product: Credit reporting or other personal consumer reports

XXXX of XXXX XXXX and XXXX XXXX XXXX checked my credit without my authorization XXXX XXXX XXXX and Mercedes benz financial services checked my personal credit without my authorization XXXX XXXX checked my credit file without my authorization
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies in my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate the items for me to ensure accuracy. 
Here is the item I am asking to verify as accurate : ( XXXX XXXX ; Account Number : XXXX )
Product: Mortgage

I applied for a home loan with Eagle Mortgage, a subsidiary of XXXX XXXX. I signed the XXXX sales documents and applied for the loan using Eagles secure portal. Five days after providing info on two bank accounts along with my personal information, both accounts were breached and a fraudulent check written on one account. The fake check had a signature that was designed to look like the signature I made on the earnest money check to XXXX. 
In particular, someone used my personal information to access XXXX XXXX telephonic banking services, then transferred money from my savings account to the checking account before writing a fraudulent {$3900.00} check. I had given Eagle a bank statement showing transfers between the two accounts. 
Eagle conducted an investigation and concluded they did nothing wrong. However, Eagle was the first entity or person that I ever shared information regarding the savings account in over 10 years.
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. 

Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 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, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXXXXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been proven that you are not abstracting records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} US DEPT ED XXXX Balance : {$3400.00} US DEPT ED XXXX Balance XXXX {$4800.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance XXXX {$8400.00}
Product: Checking or savings account

wells fargo bank is allowed a charge in my acct that iam not authorize i call the bank in XX/XX/2017 to see why is the charge for years in my acct that i need then to stop the charge i have a letter from wellsfargo that said the charge was stop the problem that they stop for 2 months only i have the same charge again ( HAP XXXX ) IAM SICK OF THAT ABUSE I TRY TO CALL the # XXXX and never answer only cumputers but said welcome to wells fargo so wells is making the charge in tha is wrong
Product: Mortgage

When I bought my house last year in Tennessee, the mortgage was immediately sold to a company called XXXX XXXX XXXX XXXX of XXXX  XXXX, VA. XXXX which is owned by LoanCare LLC. 
I immediately noticed that their website or app didn't work as I had questions about extra principal payments. It is also impossible to reach a customer service representative over the phone. Endless voice prompts that lead to nowhere. My worst fears are coming true as they now have stopped paying my homeowners insurance and I suspect they are about to force a higher premium on me to ultimately drive me into foreclosure and take my house away. There are hundreds of complaints like mine on social media about this company. Why is no one doing anything about them?
Product: Bank account or service

Bank of America did not post a resolution letter in the message center regarding my account, in claim # XXXX
Product: Debt collection

I do not recognize this debt collection I have asked to this collection to be removed from my credit report and the XXXX and TransUnion did not do as Ive asked Please help me to solve this issue because this is not accurate I am requesting this collection to be removed from my credit report because it is inaccurate Thank you!!
Product: Credit card

I have XXXX credit cards with bank of america. They do n't have my account statements for everything that I owe. I believe banks are supposed to have statements of everything I owe. They said they could only go up I believe 7 years but beyond that they do n't have a record. If this is the case I dont believe they are allowed to charge me for prior the 7 years.
Product: Credit reporting

The doctor 's office is claiming that owe them {$100.00} from back in 2010 and it 's been removed from the other two bureaus all except yours, it is incorrect information I paid the bill in full.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. The particular account position that is recently filing on this credit document has a seriously unfavorable impact on my capacity to attain guarantee on the latest loan request, be sure to present facts that this is being reported efficiently as per the Fair Credit Reporting Act regulations. I have done many attempts to reach out to THE 3 Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you. 
DSNB MACYS XXXX  Opened Date XX/XX/2016 Balance {$0.00} // Charge Off
Product: Credit reporting, credit repair services, or other personal consumer reports

First, I have no idea who this company is. I have never heard of them. I have never received any documents from them. I disputed this account on my credit report requesting documents for validation and verification. I did not receive ANY documents or any information from this company validating this debt or verifying any of the reporting information. Yet, the company verified the account as accurate with XXXX. However, the information being reported to XXXX  has violations according to the Fair Credit Reporting Act. 1. There is no payment history being reported. 2.The open date is reporting as XX/XX/XXXX, but 3. The date of first delinquency is reporting as XX/XX/XXXX. So how can the date of first delinquency be before the account open date??? This is impossible and obviously incorrect. 4. The company has not provided the original contract with my signature that proves I owe this after this information was requested. 5. The company has not provided an agreement between its company and the original creditor that proves that this company is legally able to collect this debt 6. The company has not provided documentation that proves that is is legally registered and licensed in my state of Alabama to collect this debt.
Product: Credit reporting

I PUT A CREDIT ALERT ON MY CREDIT FILE, AND SEVERAL INQUIRES HAVE BEEN REPORTED ON MY REPORT THAT I DID ; NT APPLY FOR OR AUTHORIZE..CREDITORS ARE SUBMITTING INQUIRES MULTIPLE TIMES SOME AS MANY AS 4, BUT I DID'NT AUTHORIZE IT..I HAVE CONTACTED COMPANY 'S AND ASKED THEM TO PLEASE REMOVE THESE INQUIRES THAT I DIDNT NOT APPLY FOR NOR DID I AUTHORIZE..HAVE CONTACTED CREDIT BUREAUS ON SEVERAL OCCASIONS AND STILL TO NO AVAIL..THEY HAVE REMOVED THESE FRAUDULENT INQUIRIES..I 'VE CONTACTED ALL 3 BUREAUS..BUT THE MAIN ONE IS TRANSUNION..
Product: Checking or savings account

I needed to see when I bought a product some years ago. So, I went to online banking and searched for the vendor ( XXXX XXXX ) that I bought it from, since i used a debit card. The search only goes back 18 months, so I figured that I should just download old statements, but they wanted me to download all old statements month by month for years on end. They refused to provide either an XXXX to script this, or provide a single download that I can then search myself. This seems to me to either be incompetency ( it is very easy to provide such a download if you have access to the system 's back end and are a XXXX I am a XXXX XXXX ), or an intentional attempt to restrict access to my information. Neither of these is acceptable.
Product: Credit card

On Tuesday XX/XX/2023, in the afternoon before XXXX XXXX  I initiated a credit card payment online. Early the next morning I checked the credit card account website and there was no payment, pending or otherwise, shown. Frustrated that they did not have my payment information I initiated the SAME payment again. I just checked my credit card account and now it shows TWO of the same payment and now those payments will try to post and there is only enough for ONE!! Fees from both ends I will be fighting!!
Product: Mortgage

I applied for refinance with Amerisave back in XXXX, 2020 and paid XXXX $ application fee. Until now, there is still no closing happened and representative still can not give me an answer on closing date. They keep saying it will happen soon. Lock in date has expired and no closing occurred. Their logo was also changed which is very fishy. They also required me to submit paystubs again even though i did that in the beginning of my application. I also see this problem occurred with other people on XXXX
Product: Credit reporting or other personal consumer reports

I want to be explicitly clear with my request. I am not requesting validation of debt ; but instead, I am requesting verification of the debt. Listed below It has become increasingly clear that you are being willfully negligent in rectifying my affairs. Over the past year I have made subsequent attempts to have these accounts reasonably investigated in accordance with both the Fair Credit Reporting Act and Fair Debt Collection Practice Act.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of several unauthorized accounts and inquiries from my credit report. These accounts and inquiries are not associated with me, and I did not authorize their inclusion on my report. The presence of these inaccuracies is the result of a XXXX XXXX that has adversely affected my credit standing, leading to a significant drop in my XXXX score. 

Upon a thorough review of my credit report, I identified multiple accounts and inquiries that I do not recognize or authorize. These inaccuracies have led to negative remarks on my credit report, which are unjustly damaging my credit score and financial reputation. 

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of all unauthorized accounts and inquiries.
Product: Checking or savings account

XXXX has forsakened me. I accidentally messed up one number and it seller the wrong person, the other party refuses to give me back my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

On Today, XX/XX/2018 I received an alert from my fico stating that my name which I had already disputed with XXXX and thought I had it updated was reversed back to a previous name on my report. I have contacted XXXX, Experian and XXXX more than once with this concern. I have sent in notarized documentation with supporting documents ile,. drivers license, and mail with my name and address information. However they refuse to update the information that is given. I find it very hard to understand how a credit reporting agency can at will go in and change your information on your report at will. This is very disheartening to find that a company can change your info at will. I am attaching my drivers license as proof yet again to prove my name and hopefully this time this name change will stick.
Product: Debt collection

XXXX XXXX XXXX XXXX I never had a contract withthis 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 By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681 ( a )
Product: Credit card

XXXX Transaction amount {$150.00} XXXX  Dispute amount {$79.00} XXXX  Transaction ID XXXX Transaction date XX/XX/year> Dispute amount I am writing to express my concerns regarding a series of unresolved issues with PayPal. Firstly, I would like to address the lack of response to my previous report, which was unrelated to the current issue. Additionally, PayPal has once again debited my account by {$1000.00}, negatively impacting my credit report by XXXX  points. Despite my attempts to resolve this matter, I have not received any communication or assistance. 

Now, regarding the specific issue at hand, I purchased a XXXX XXXX XXXX from your company, which I subsequently returned. However, I have not received the agreed-upon refund, despite assurances from your team. I no longer have the product, as it was returned to your company, but I am yet to be reimbursed. Moreover, PayPal has refused to assist, denying my claims entirely. Given the lack of resolution, I am concerned that this treatment may be biased or discriminatory.

Furthermore, my PayPal account remains unresolved and continues to malfunction. I am unable to make payments independently, requiring me to contact customer support for assistance each time, which is highly inconvenient. Unfortunately, this issue persists, and no effort from your company has been made to address it.

I kindly request immediate attention to these matters, including the processing of my refund and the resolution of the ongoing account issues. I look forward to your prompt response and assistance. 

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

On XX/XX/XXXX, I submitted an investigation request to the credit bureaus. Over 30 days have passed, but I have not yet received my responses from Equifax and XXXX XXXX. My wife and I submitted our request together. She has already received her responses but I have not.