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

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to remove these items ( A ). It is not permissible to fail to delete these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Balance Owed : {$5300.00} XXXX  XXXX XXXX Balance Owed : {$300.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX Balance Owed : {$300.00} XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX Balance Owed XXXX {$4100.00} XXXX XXXX XXXX Balance Owed : {$5300.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance Owed : {$5300.00} XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX XXXX XXXX KY XXXX
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. Or a 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 or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681 2AI ) that you, the Equifax credit reporting agency, block information appearing on my consumer credit report 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 a personal credit card account opened at XXXX on XX/XX/year> balance {$630.00}. Equifax this account is ending in XXXX. XXXX this account number starts with XXXX. XXXX is in violation of 15 USC 1681 2AI and 15 USC 1681b a charge-off is considered income according to the IRS. Income is forbidden to be on a consumer credit report according to congress 15 USC 1681 2AI no transaction or experiences are allowed to be on a credit consumer report I never received a 1099c form from the creditor. This account have resulted in fraudulent charge-off/write-off appearing on my consumer FICO credit report. The accounts needs to be deleted immediately for fraud reporting to my credit report and being reported to the IRS. I have attached the needed ID, SS #, proof of address. These items are valid and you will not be allowed to deny my attached docs as proof of ID. You must also provide me with the method of validation as you have denied my last dispute without telling me what ( MOV ) method of validation that was used. You must follow the FCRA laws and delete this for inaccuracy.
Product: Credit reporting or other personal consumer reports

These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I complained about the late payment they reported in XXXX because of an error the company made and i submitted a dispute through XXXX and the account came back closed. I never closed the account. they closed it without my consent. Please investigate this company
Product: Money transfer, virtual currency, or money service

Pnc will not allow linking between pnc account and online savings account.
Product: Checking or savings account

On XXXX, I opened a checking account using a promotional offer : They would give me {$450.00} if I had a qualifying direct deposit. 

I had my qualifying deposit on XX/XX/XXXX, and never got my promo code. I waited and nothing. 

Today, XX/XX/XXXX, I inquired about it and I was told that as my account was in negative, I didn't receive the {$450.00}. In first place, the negative balance was something with the charges they made for a service I didn't ask. In second place, the flyer said that the deposit was going to be made XXXX  days after the qualifying activity ( which is the direct deposit ). 

Then, the agent went to ask a colleague and was told that it is XXXX  days after the XXXX  day period of the account standing in good balance. 

I am attaching the flyer. It doesn't say that the {$450.00} will be deposited after XXXX  days of the XXXX  day period. It states that the deposit has to be made within XXXX  days, but nothing about posting the balance. 

They highlighted that " The Bonus will be paid to positive balance accounts '' My account was positive after the XXXX  days of the qualifying direct deposit ( XX/XX/XXXX ), so I should qualify for the promo. My account went to negative due to a charge they posted for a service i didn't ask for, but that's a different situation.
Product: Checking or savings account

Between XX/XX/2020 to XX/XX/2020, JP Morgan Chase stopped managing my investment account, which resulted in the loss of {$120000.00} due to the mismanagement, lack of supervision, trades, and other account management duties that were failed to be conducted by JP Morgan Chase. In addition to the investment loss during that time, JP Morgan Chase promised in sales promotions {$200.00} for new checking accounts, {$150.00} for new savigns accounts, and {$620.00} for new trade accounts. Both myself and my wife each opened all three of these accounts, met all of the promotion requirements, but JP Morgan Chase refused to honor or provide any of the sales promotions to us which they had promised us. To add further insult to injury, after disabling all of our newly opened accounts from their sales promotions which JP Morgan Chase refused to honor, JP Morgan Chase than spent over four months fighting us and the new investment bank we had chosen to do business with over them in preventing us from transferring our account from them which they refused to manage and were losing over a XXXX XXXX dollars on. In addition to all of these injuries, JP Morgan Chase also has confiscated {$20000.00} from our savings account, which to this date they have refused to return to us. 

XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Someone using my credit I saw on my credit I owe XXXX $ when I never used my credit day in my life I TRIED to have them dispute it but they wouldn't it's someone using my credit information
Product: Checking or savings account

I moved out of XXXX XXXX XXXX XXXX  XXXX XXXX Florida on XX/XX/2020. I have tried twice to change my address to my new address but both requests were denied citing I have to provide a request in writing to manage my account. Its the end of the month and this error could be the reason of fraud. I shouldnt have to send a letter when I move. Thats absurd when I have a XXXX XXXX and its imperative the correct address is reflected when Im trying to conduct XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have unknown accounts being reported on my credit report. I am needing the unknown accounts to be removed from my credit file immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

In the process of buying a house this came up on my credit report. I had no clue what the debit was for so I called the collection company, The Law Office of Charles G. When I called the receptionist was very rude including cursing at me when I refused to give him additional personal information. I asked for a statement for the debt I owed I was told unless I provided more personal information I " could XXXX XXXX  '' The receptionist did eventually tell me that the original debt was from XXXX XXXX for a furniture lease/purchase. I have never bought furniture and applied for a loan/leased it. I have also never heard of this company. The collection company had my name and SSN but was unable to verify my correct DOB, phone number, employer at the time and correct address at that time. According to XXXX   credit reporting the account was opened with The Law Office of Charles G onXX/XX/XXXX and the owed amount is {$1600.00}. The original opened date of the account was XX/XX/XXXX. The address in which they provided I did live at but not until more than 6 months after the account was supposedly opened. I researched both companies and both companies have multiple accounts of legal action regarding fraud in which the companies have lost the suit. XXXX XXXX have over 900 complaints of this same issue for failure to verify identity. I have never received any calls, letters, or attempts to collect a debt from either company.
Product: Mortgage

Chase Mortgage purchased 5 of my loans and started servicing them in approximately XXXX XXXX XXXX. I now have a total of 7 mortgages with Chase and have had nothing but problems with their accounting practices. 
My 2 main complaints : 1. They did not pay my insurance out of my escrow accounts on time and my Florida insurance policies got cancelled for non-payment. I had to apply for new insurance, where the cost went from {$1000.00} per year to {$6000.00} per year. They said it is possible the lender they purchased the loans from forgot to send them the details to make the payments. This is Chase 's responsibility to follow-up on. I had no idea they were not planning to pay the insurance. 
2. My escrow account was updated with a higher payment in XX/XX/XXXX. I am on paperless billing and did not get a notification my payment amount changed. Once I realized the amount had changed, I updated my online bill-pay to pay the new amount and called Chase immediately to get my accounts all current. After approximately 40 hours on the phone, we finally got it right in XXXX XXXX  At least we thought we did. Since XXXX, funds have been mis-applied to principle instead of to the required payment, generating late fees and issue I had to resolve monthly with Chase to back out the mis-applied payments. 

They then informed me I was confusing the system by sending payments 2 days before they were due, and I had to move my payments to after they were due, so the system would know what to do with them ( e.g., pay the XX/XX/XXXX payment on XX/XX/XXXX, rather than XX/XX/XXXX ). At this point, I have close to 80 hours on the phone with Chase. This seems to have resolved the issue on all except 1 account. 

I called today to get the last account fixed and they refused and said all payments have been applied correctly. I would absolutely love if they could have someone else service my loan. I have not had problems like this with a servicer not being able to do basic accounting since the XXXX with XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the following accounts have violated my rights : 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 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 an open end consumer credit plan as late for any purpose
Product: Credit card or prepaid card

I always pay the full balance on my credit cards in order to be debt-free and keep my score above XXXX points. 
Capital One has overcharged my Credit Card ending with XXXX in U {$53000.00} and I called them to find out these transactions that result in this balance and they didn't know and I had to close the account. However, they are going to keep on charge me for this balance that I don't recognize because I keep track of all my receipts. 
Please help me in this matter. 
XXXX. 
XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I have a pending court case for this issue. I do not owe anything to this company. The company removed all my belongings from my residence before I had moved out I am sueing for damages.
Product: Credit reporting or other personal consumer reports

Collection that are fraudulent : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Ive asked these companies For information concerning these debts and they have yet to offer any answers Ive asked for 1. Proof that I owe this debt, including a detailed accounting of the original amount, any accrued interest, fees, and any other charges. 
2. Copies of any signed agreements or contracts pertaining to the debt. 
3. Evidence that your company has legal standing to collect this debt. 

I still havent gotten any of this My information may have been impacted by the XXXX, TransUnion and XXXX Data Breach and may have got into the hands of the wrong person Under The Doctrine of Estoppel by silence, XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in facts exists Ive asked the following questions to these companies and they have not responded with any accurate info my information was abused through the on going years and I want my life back 15 U.S.C. 1681s-2 This section of the code covers the responsibilities of information providers to consumer reporting agencies. It prohibits the reporting of inaccurate information, and requires that information providers correct inaccurate information after being notified by the consumer. 

15 U.S.C. 1681i This section of the code covers the procedure for handling disputed accuracy. It requires that agencies provide consumers with a description of the process used to determine the accuracy of information, and that consumers have the right to add a statement to their file disputing the accuracy of the information. 

When a consumer disputes inaccurate information, the credit reporting company must investigate the information, and stop reporting it if it can not be verified. The company must also provide a notice to the consumer, and give them the option to add a statement to their file. 

If these accounts are old, its illegal for any company to change the original open date to a recent year just to reset the seven-year period for negative items to remain on my credit report under Ohio law . That, in itself, is fraud I have included my ID and utility bill as well as identity theft report for proof
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been writing to TransUnion over the course of several months after I discovered XXXX fraudulent inquiries showing on my report. In the letters I have written to TransUnion, I have included my name, address, date of birth, social security number, the lender 's name, the date of the inquiry, and the reason I disputed the inquiry. TransUnion has responded to me several times now with form letters that fail to address my dispute or they have failed to respond at all. 

One of the responses I have received from them says they want to " provide a further explanation of the inquiries on my report. '' The letter then continues to explain what an inquiry is to me. This is not an acceptable response to my dispute, because it provides general information that is publicly available through a XXXX search, without processing my actual dispute. 

The second type of response they have sent me is a letter that says they do not believe I sent them the dispute letter. The letter ( attached below ) states that they think an unauthorized third party sent the dispute on my behalf. 

The most recent time I wrote to them, on XX/XX/2022, I decided to try a different approach. I wrote to them about the fraudulent inquiries, including the same information I mentioned above. I also included copies of my driver 's license, social security card, and a recent utility bill. But above and beyond all of that. I personally went and got the letter notarized, so there would be no confusion as to whether or not I was the one submitting the dispute. That took a lot of time out of my day and cost me money to get the notarization and pay for shipping the letter. 

TransUnion responded back to my most recent letter with more nonsense. Their letter, dated XX/XX/2022, continues to say that they do not believe I was the one who sent them the dispute. How can they possibly say that they don't believe I wrote the letter when I sent them all the correct information, my identification documents, and the letter was notarized? Besides going to their office in person, I am not sure what else I could possibly do to prove my identity.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, my XXXX XXXX has dropped XXXX points causing damage to my credit report from the removal of XXXX XXXX. This was not authorized by your company. I demand you raise my credit score back up to what it was.
Product: Credit reporting, credit repair services, or other personal consumer reports

( 2 ) XXXX XXXX XXXX  Account XXXX Is reporting I had ( 2 ) day lates which is not accurate I asked the credit bureaus to verify and they did not
Product: Debt collection

I had a payday loan from XXXX years ago show up recently on my credit report, This is the first time and it took  XXXX years to show up, but says the account was opened last month It only shows up on my XXXX, XXXX opened XXXX on XXXX and XXXX closed it
Product: Debt collection

This company, which I have no contract with nor have received any services from them, reports a collection account on my credit file in the amount of {$480.00} with XXXX Credit Bureau. I requested validation of this debt and account on XX/XX/2018. However, the company failed to provide me adequate proof. Acknowledging this company has no contract with me for services or can provide me adequate proof for this alleged debt, I am not obligated to pay.

15USC1692f A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law.
Product: Debt collection

I had attorneys from Suttell & Hammer, The name of the attorney is XXXX XXXX XXXX, they sent me letters. It about a debt that they claim that I owe. So I sent them a letter responding asking them to prove and show this so-called debt that they claimed that I owe. They sent me a letter with my name on the front of the envelope. But when I open the letter, it showed that the information belong to a different person. So obviously, there is some identity theft. When they sent me this information they claim that would prove that I owed something. They sent me all these documents from somebody else 's record. The other thing was the missing handling of my personal information, I Do Not know anything of this so-called debt, that they are talking about. So, how are they able to have my personal information without me knowing about it. They could have sent my information to someone else. I am going to have to worry about people coming to my house or taking my information to sign up for credit and other things in my name. So, I am writing this complaint. It has to be identity theft or the miss handling of my personal information.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX client XXXX XXXX is a victim of identity theft. His information was used without his consent. An extended 7 year alert was placed with each of the credit bureaus with XXXX, Experian and XXXX. A request for Experian to remove the 7 year alert was submitted certified mail XX/XX/2018. While the return receipt was received that Experian received the request my client advised his Experian credit report still has the 7 year alert listed. An Experian credit report was obtain and while no alert appeared to be listed an attempt to secure a loan was made and then stopped due to the lender confirming Experian had the 7 year alert listed. A second request was mailed again and my client has attempted to use the online services with no success. He has also attempted to make contact with Experian via the live operator number XXXX however there was no help provided to assist in resolving this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX, and XXXX showing inaccurate information sent police report and idtheft letter fcra violation
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2023 XXXX I recently received a copy of my credit report and dont recall authorizing these below listed inquiries. Please remove these inquiries from my credit report immediately. If you find the inquiries referenced above to be valid, please send me a documentation showing that I indeed did authorize these inquiries or please delete. 



If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.

The FCRA states that the only permissible purpose for pulling someones credit is for : 1. Firm Offer of Credit 2. Insurance 3. Employment 4. Court Order The following credit inquiries are related to none of the aforementioned permissible and I am requesting them to be deleted : Inquiries, dispute_instruction XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX NJ XXXX Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX