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

On XX/XX/XXXX, I accepted my first 2 transactions through the Chase Banking App for businesses. One transaction was for {$800.00} and the other was for {$1200.00}. The next day I got an email stating that my payout failed. I went to the Chase Bank on XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX to see what was going on and the bank manager called to try and get a resolution and they thanked him for verifying me and told him that they were going to keep my business checking account open and not allow me to accept payments form customers. They told him they would send me an email about what would happen with the money. I got an email from Wepay, Chase 's merchant processing company stating that after careful review it was determined that they would no longer process payments for my account and have closed the account. I replied asking why and they sent me an email with instructions on how to appeal the decision. I sent the requested items ( 6 months bank statements of prior processing, my state business registration, the invoices to the customers ) The only thing I did not have is a website which I explained that I am currently working on that and all my business is by word of mouth. I got a return email that said after looking into the details of my account they will not process any payments for my business and my funds have been placed in reserve and will be reviewed for potential release in 120 days from the closure date of XX/XX/2024. Since then I have called them several times and I was told that I could only email the appeals department so I have emailed several more times to release the funds so I can complete work for my customers and I get the same email response that they will not process payments and will keep my money in reserve for 120 days. The fact that I can not get a clear answer as to why this is happening is beyond me. This time of year is slow for my business so all funds coming in are needed and the loss of these funds have adversely impacted my business.
Product: Vehicle loan or lease

XXXX XXXX XXXX  XXXX XXXX XXXX license number XXXX Car was paid off in XXXX. Never received title. 
Called Hyundai finance XXXX  times. They said they see it but can't physically find it. 
Confusing as there is a Hyundai finance at XXXX address in CA. And a Hyundai capital also in CA. But the number I called XXXX XXXX XXXX is the number I called XXXX times. Talked to a person each time who swore they would send it to me. Last person I talked to was named XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked.

I have enclosed a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : Re : Account # XXXX accreditor : XX/XX/XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point I may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and XXXX has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine.

Under Section 611 of the FCRA, I have the right to dispute inaccuracies and request prompt investigation. I formally requested a investigation of the account information and cited relevant sections of the FCRA, including : 1. Section 609 ( a ) ( 1 ) ( A ) : Requirement for verification of accounts through original documentation.

2. Section 611 : Right to dispute inaccuracies and request investigation.

3. Section 623 ( a ) ( 5 ) : Removal of unverifiable information dont validate for creditor Original.

4. 15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy Despite my request, XXXX has failed to conduct a thorough investigation or resolve these discrepancies within the required time frame of 30 days. This negligence has led to the continued reporting of false information, which has negatively impacted my creditworthiness.

In my request, I emphasized that any unverifiable information should be removed from my credit report IMMEDIATELY within the mandated 30-day period, as established in 15 U.S. Code 1681i. Additionally, I referenced 15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy. Furthermore, under 15 U.S. Code 1681s-2, furnishes of information are required to investigate and correct inaccurate information upon notice of a dispute.

I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you DELETE IMMEDIATELY THIS FRAUDULENT ACCOUNT AND INQUIRIES Re : Account # XXXX accreditor : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. XXXX XXXX XXXX XXXX XXXX Open Date : XX/XX/2009 Balance : {$12000.00}. Please delete ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive been trying to dispute several accounts on my report but my dispute has been ignored. I am requesting that you look into this matter as required to do so under the FCRA. If you do not comply with the terms of the FCRA I will have no choice but consider the possibility of litigation. 
XXXX  XXXX XXXX : {$2000.00}, XXXX XXXX XXXX  XXXX XXXX Balance : {$16000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of ID theft. I submitted the police report to the credit bureau along with the accounts that I believe was a result of the theft. Transunion is still reporting the erroneous accounts on my report and disregarding the letter that I sent to them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX contacted these creditors and the reporting agencies multiple times to remove these accounts from reporting to my consumers report. It's a violation of consumer law and I will start seeking legal action if items and accounts are not removed within 45 days of this report dated XX/XX/XXXX! I also attached previous letters that were sent certified to the reporting agencies and creditors as well. More letters are available as well with dates of the year XXXX showing you multiple times I asked for these reports to be removed. If more letters are needed please be free to contact I XXXX XXXX. The accounts are XXXX XXXX XXXX XXXX * account number XXXX XXXX XXXX *account number XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : XXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I'm filing this complaint against Equifax Information Services regarding the XXXX XXXX. XX/XX/2023, I sent a letter to Equifax Information Services by the provisions of the Fair Credit Reporting Act that this item, XXXX XXXX XXXX 
Account Number : XXXX be investigated and removed from my credit report. I demanded that any information the creditor could not provide be deleted. I never received a response from Equifax Information Services. In XX/XX/2023, I filed a complaint with the XXXX XXXX XXXX against XXXX XXXX XXXX XXXX and was issued Complaint ID XXXX, which the XXXX XXXX XXXX stated the following : Dear XXXX XXXX, Re : Complaint ID XXXX ; XXXX XXXX, XXXX We are not able to pursue your complaint because we believe the company is out of business. Your complaint has been helpful in advancing our efforts to report on this company. 
If you wish to pursue this issue further, you should contact a legal advisor, your state 's Attorney General 's office, or your local consumer protection agency. If you have any questions about this issue, please do not hesitate to contact us. 


Based on what the XXXX advised, I chose the third option and filed a complaint with the Consumer Financial Protection Bureau because I believe Equifax Information Services used a stall tactic to border not following the law.
Product: Credit reporting or other personal consumer reports

XX/XX/year> - {$110000.00} - I have reached out to the IRS to validate out debt. 

XX/XX/year> - {$910.00} - I have reached to the XXXX  XXXX to validate debt and reason for suspension, on behalf of XXXX XXXX XXXX. 

XX/XX/year> - {$8000.00} - I have reached out to Westlake Financial to validate debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

This Concerns an account on my credit report form XXXX XXXX XXXX. 
The account is showing a outstanding balance of {$210.00}. This is not correct. The balance on this account is {$0.00}. I have contacted the company and they have done nothing to resolve this situation. I am filing this complaint in hopes that you can resolve this issue '
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

RE : Trafficking Block Request To whom it may concern, I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act.

Please send me notification of the actions taken. I appreciate your prompt attention to this matter.
Product: Money transfer, virtual currency, or money service

A guy add me from XXXX, and he told he can teaches me to invest and save some money on the app. And he referred me a account number which is the costumer service of the app. And he send me a link to door load it. Now he is gone and admitted he was a scam. 
It all happened around around a year ago in XX/XX/2021. 
I lost XXXX USD
Product: Credit reporting, credit repair services, or other personal consumer reports

I forwarded a letter to the 3 Credit Bureaus dated XX/XX/2022 to erase this suspicious information. I think you have not validated this account in agreement with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX ; XXXX ; XXXX, and I'm including it again. XXXX XXXX Balance : {$12000.00} ; XXXX XXXXXXXX Balance : {$8900.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

PURSUANT TO 15 USC 1681a ( 1 ) which states that THE CONSUMER HAS A RIGHT TO FAIR AND ACCURATE RECORDING. XXXX, XXXX and EXPERIAN ARE CONTINU0USLY VIOLATING MY CONSUMER RIGHTS AS THE NATURAL PERSON, CONSUMER AND CREDITOR BY NOT REMOVING ALL DEROGATORY/NEGATIVE REPORTING ITEMS THAT I DID NOT GIVE MY WRITTEN CONSENT PURSUANT TO 15 USC 1681b . THIS ELABORATE MECHANISM CALLED E-OSCAR, A NON-HUMAN AUTOMATED DEVICE HAS TAKEN THE HUMAN ELEMNT AWAY FROM BINDING FACTS AND PLACES MYSELF THE CONSUMER, CREDITOR AND NATURAL PERSON AT A HUGE DISADVANTAGE. THE HISTORY PORTIONS OF MY CREDIT REPORT HAS NOT BEEN UPDATED CORRECTLY..THEIR SHOULD BE NO RED X MARKS ON MY HISTORY SECTION.. CORRECT YOUR INACCURACIES OR I WILL NO LONGER EXTEND MY CREDIT TO ANYONE AND I WILL NO LONGER DO BUSINESS WITH YOUR AGENCIES AGAIN.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX XXXX Account XXXX XXXX, XXXX XXXX XXXX Account XXXX XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account XXXX XXXX, XXXX XXXX XXXX Account # XXXX has violated my rights. 

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
Product: Checking or savings account

I am filing a complaint against capital one regarding the deceptive practices related to their 360 high yield interest savings account. Capital One misrepresented the 360 savings accounts.
Product: Debt collection

I owed a very old credit card debt that was sold to midland funding LLC collection agency. 
I hired a debt lawyer previously to help me wipe out the debt or settle. This did not go very far. 
I then attempted to settle the debt by contacting midland funding. They weren't able to verify I owed them anything or had an account with them. 
I found out this week that they are garnishing my paychecks without prior contact or serving me. 
I attempted to contact some lawyers to help woth this because it seems very illegal to sue someone without attempting to contact them first in writing. Lawyers were not able to help because they said once the judgement is passed, it's no longer reversible. I was never issued any court/legal documents to attempt to fight or defend myself in the matter.
Product: Debt collection

I contacted LJ Ross Associates on XX/XX/18 at XXXX to inquire about when they would stop reporting on my credit report for a debt profile in the amount of {$1100.00} that was RETRACTED from their company by the original creditor XXXX XXXX on XX/XX/18. They told me that even though XXXX XXXX now has the debt and Im paying XXXX XXXX directly they will still report on my credit report because they can. LJ Ross Associates is actively reporting on a debt that is no longer under their ownership/management and they are double reporting. That makes TWO FCRA violations they are actively participating in. This is an act of malice on their behalf. I spoke directly to XXXX XXXX on XX/XX/18 at XXXX after speaking to the representative at LJ Ross Associates , and XXXX XXXX confirmed for me that they contacted LJ Ross Associates and retracted my debt profile from them. It has been 30 days and LJ Ross is still refusing to delete their entry from my credit report. They have received proper notification and had ample time to do what is lawfully required of them and they have refused!!!!!!!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I never directly did business with Equifax and yet they have all of my personal information. 

They then did not take reasonable steps to protect that information from cyberattacks. 
When they learned of the problem, they hid it from investors while they let executives dump their stock. 

There is no way to undo this damage. Once your information is stolen, you can never recover it. It will mean that I will need to pay for credit monitor and identity theft protection for the rest of my life. 

I will also be the target of other scams and potential blackmail because of a company that I had no direct business relationship with whatsoever.
Product: Vehicle loan or lease

I have a car loan with credit acceptance it showing late payments on my credit report i have been making payments showing that i owe past due XXXX not knowing where this amount came from
Product: Credit reporting or other personal consumer reports

When trying to apply for a house I was denied due to negative balance maxed out from chime credit builder card. This account is not accurate, I did not have a balance owed for this amount of {$1200.00}. 
However, this is a credit amount of my own money reported not a balance owed amount. I reached out to chime which they asked me to dispute this report.
Product: Credit card

I applied for the XXXX XXXX XXXX XXXX XXXX on XX/XX/year>. I unfroze my credit reports the day prior. I received notification from my credit monitoring service that a hard pull occurred on my XXXX account. Instead of receiving a denial or approval in my application from XXXX, I was told to look for a letter. The letter arrived on XX/XX/year> stating that my application couldn't be processed because my credit reports are frozen. This isn't true. I called and XXXX from XXXX asked to run it. She said don't worry there wouldn't be XXXX pulls. She ran it again and I received another notice of a second pull on my XXXX report. XXXX also said they couldn't see my report because it's still frozen. It is NOT frozen. I was forwarded to security, who put me on hold and then hung up on me. I called back and someone said maybe my XXXX isn't unfrozen and they didn't know what else to do. This doesn't make any sense and I can't go around in circles about it, but now I have XXXX inquiries I don't deserve on my XXXX and I don't have the card.
Product: Credit reporting or other personal consumer reports

My personal information was used without my permission to open fraudulent accounts and inquires using unauthorized residential address I never lived at. I have contacted to credit bureaus, data furnishers consumer financial protection bureau, and police department to report this inaccurate information that needs to be blocked and removed from my credit report by federal law. pursuant to section 605B pf the fair credit reporting act, and send the required notifications to all furnishers of this information.four unauthorized fraudulent accounts XXXX XXXX balance {$1100.00} opened XX/XX/XXXXXXXX XXXX XXXX opened XX/XX/XXXX balance XXXX $ XXXX opened XX/XX/XXXX balance XXXX $ XXXXXXXX XXXX opened XX/XX/XXXX current balance XXXXXXXX XXXX XXXX unauthorized fraudulent address never lived there XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX unauthorized fraudulent inquiries XXXX XXXX inquired on XX/XX/XXXXXXXX XXXX XXXX reported on XX/XX/XXXX
Product: Credit card or prepaid card

Greetings, in order to write to you I had to choose this option, but really what happens is that I have a financial bankruptcy and I want 2018 more or less, I know that a bankruptcy takes XXXX years to go off the credit, I I wonder if there is any way that bankruptcy can be removed from my credit history? Or alone It remains to wait for those XXXX years to go away? Thanks a lot
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the FAIR CREDIT REPORTING ACT SECTION 611 ( 15 U.S.C. 1681i ), I am practicing my right to challenge questionable information that I have found on my personal credit report. I have sent out letter numerous of time regarding the inaccurate and unfair information report on this account. UNDER the FCRA, credit reporting laws ensure that bureaus report only 100 % accurate credit information. Therefore, I demand this account be UPDATED/CORRECTED immediately before legal action is taken!
Product: Credit reporting or other personal consumer reports

Citi bank had an agreement with me to keep my account open with a payment of {$530.00} - I made {$250.00} of the payment and scheduled the remaining before the due date. They closed my account prematurely and marked it as a charge off. I then signed another agreement to pay {$170.00} a month which has been paid consistently. They are still marking me as late even though the monthly payment shows {$170.00}. They also marked XXXX late for a payment that hadnt even been taken out. They have made the decision against my original contract and caused a credit issue and yet again with marking late fees that are not late.
Product: Credit reporting

I recently pulled my credit report from Equifax and noticed this account was listed on each of my reports as a collection/chargeoff. I immediately disputed this information with Equifax and the results of the investigation came back as " verified ''. I did not have an account with XXXX XXXX during this time period. XXXX XXXX is incorrectly reporting this debt and has ignored a demand letter under FCRA regulations. They continue reporting this account as negative on my credit report and therefore makes it impossible for me to establish new lines of credit and also tarnishes my name. I will also be filing complaints with the Attorney General of my state and pursue full legal action under FCRA regulations and defamation of character unless this debt is immediately removed from my report.