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

The items listed below are reported on my personal credit file and were found in my reports with XXXX credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regard to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my another endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX  XXXX Balance : {$14000.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX  XXXX XXXX Balance : {$10000.00} ; XXXX XXXX XXXX Balance : {$5600.00} ; XXXX  XXXX XXXX Balance : {$1700.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance : {$210.00} ; XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OR XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, OR XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX OR XXXX ; XXXX XXXX XX/XX/XXXX XXXX
Product: Credit card or prepaid card

Somewhere around XXXX 2020 I opened a dispute with Chase regarding a XXXX transaction done through XXXX. After several back and fourth messages with the seller about where my merchandise was, he deleted his account from XXXX. He left me with this charge and no merchandise. Chase sent a letter saying they were looking into it. They understood it was about " Non-receipt of merchandise or service ". They closed the complaint and found it against me. I reopened the complaint faxed them all pertient info, XXXX XXXX tracking number, messages etc. As proof of delivery, the other party provided a XXXX XXXX tracking number, which I never received from him. That XXXX  tracking sheet did not have my name, signature ( it was supposed to be a direct signature required ), not my address. Also, the date of delivery was ten days before the seller said he was shipping the package. Chase used this as proof I got the package. I resubmitted Chase denied again, saying there was no billing error. Stating the charge was valid as I had made it myself. Chase now says no more appeals, too many days have passed. Chase continually refused to look at the evidence. At the end Chase replaced the reason I filed by converting dispute type saying '' there was no billing error and the charge was valid ".
Product: Credit reporting or other personal consumer reports

Banks took money for credit monitoring services for years. XXXX and Navy Federal
Product: Credit reporting or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these items by 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, and I'm including it again XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card

I applied for a discover XXXX credit card. I am supposed to be guaranteed approval if i am a XXXX  They are not suppose to do a back credit check and my source of income is my leftover financial aid payments. Why am i not approved? This company is not following its guidlines and is depriving me of my college perks that im legally qualified to get based on my enrollment and my financial aid income.
Product: Debt collection

ATG Credit , LLC reported a collection account on my credit report on XX/XX/XXXX. I was unaware of this until I received a call from an ATG Credit collection person on XX/XX/XXXX. I informed the person that I had no recollection of an unpaid medical bill or receiving services at XXXX radiology at that time. I also informed them that I have never received a collection notice or an unpaid bill notice and asked to be provided that information in writing so I could evaluate the validity of the account. The collection person refused my request and told me I had only 2 options. I could either negotiate payment or it would remain outstanding. I then checked my XXXX credit report and discovered there was in fact a collection reported by ATG Credit. I filed a dispute with XXXX and the result of their investigation was Verified as accurate. Im filing this complaint because ATG Credits unwillingness to provide me detailed information makes me believe the collection attempt is fraudulent and would like it expunged from my credit report and have appropriate actions taken against ATG Credit if theyre in violation of any laws or standards. 

ATG Credit , LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This account was an unauthorized account, I have sent letters to the company stating that the account was not mine. I demanded proof of my signature for the alleged agreement and the company did not respond to me. I sent 5 letter since 2018 to the compant. There are laws stating that the company can not demand money of payment from me when account is unathorized. I have also made a police report while they still ignore me and this issue is hurtingn me as a citizcens. Amount {$XXXX}, Date opened. XX/XX/2018.
Product: Credit card or prepaid card

I got a notification from XXXX that my credit score went down significantly. Then noticed that there was a JP Morgan Chase credit card listed in my credit score that was opened in XX/XX/2022, that was not me. I only have an XXXX XXXX and a XXXX XXXX  XXXX debit card. I have never had an account with JP Morgan.
Product: Credit reporting or other personal consumer reports

Recently I looked at copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. it is my understanding that you will investigate these items for me to ensure accuracy. 

XXXX XXXX XXXX
Product: Debt collection

XXXX XXXX XXXX  contacted by XXXX XXXX XXXX XXXX with a reference number XXXX about a debt on a vehicle through Ally and XXXX. I do not have the exact number, but a little over {$4000.00}. They had my name, last XXXX of social, my phone, my parent 's phone, my brother 's phone and said they were sending out a summons to a judge for decision in XXXX days. I responded to go ahead because the vehicle in question is not my vehicle, but another family member 's who has the vehicle paid off and title, I have never opened an account with XXXX or Ally, however a family member did and the account was paid off. However, they insisted that the loan and " debt '' was under my name and social which is incorrect. They said they would continue with litigation and the summons sent out. The facts are, my social was never used for the purchase of the car, though they had the last XXXX, and I do not in fact own the car. All vehicles under my name and social are likewise paid off and titles in hand.
Product: Checking or savings account

on XXXX I went to the XXXX to use the ATM that was recommended by the CHIME bank on the app. I requested to pull XXXX out as it was my rent money. I only got XXXX of the money and as soon as I realized it I called both the ATM and BANK. They both said they could not do anything due to different reasons but the bank said they had to wait till the pending came off. The pending came off and I called back to start a dispute to get my XXXX dollars back so I could pay rent. They started the dispute but the next day I got a notification that they were closing my account and that I violated a policy. I called them and asked what policy was violated which they refused to to tell me and they are still refusing to give me my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is another attempt to inform the Credit Bureaus that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. My information has been exposed in the XXXX data breach. The following accounts, inquiries, inaccurate names and addresses are not affiliated with me nor received any money, goods, or services as a result of identity theft or they authorized by me and I would like them to remove from any affiliation with me immediately. I have read that under the Fair Credit Reporting Act section 605b, the Credit Bureaus are required to remove any accounts and information that have resulted due to identity theft. Please take a look at the following items and have them deleted from my Credit File as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXXXXXX XXXX XXXX, AR XXXX XXXX XXXX  XXXX XXXX Balance : {$1500.00} XXXX XXXX XXXX XXXX XXXX XXXX : {$2300.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/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 I previously sent a dispute and complaint regardning this matter and requested that the Credit bureaus remove these items but upon checking my updated Credit Report, the Credit Bureaus have continued reporting these items. If the Credit bureaus believe that the disputed items belong to me, I require the Credit reporting agencies to send me copies of proof of verification to support their claims, wihout these documents, immediate deletion of the disputed items will be greatly appreciated.
Product: Debt collection

Third party collection agency is trying to collect and reported to credit bureau a debt I advised I do not owe the amount they say I owe as I made payments. I also sent a letter within 30 days disputing debt and requesting them to show me how I owe them I never received a response. The amount I agreed I owed i paid in full to original creditor prior to it being put on my report.
Product: Credit reporting or other personal consumer reports

I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ).

After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : Disputed Inquiry : XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2024 Basis for Dispute Section 611 ( 15 U.S.C. 1681i ) states that I have the right to dispute any inaccurate or incomplete information on my credit report. I request that you investigate these unauthorized inquiries and remove them from my credit report.

Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the inquiries made. After reviewing this information, I firmly believe that the inquiries listed above should not be on my report.

Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. I did not give my consent for these inquiries to be made, and I can not find a permissible purpose under this section that justifies their presence on my report. 

Request XXXX request an immediate investigation into the listed inquiries. If it is determined that these inquiries were made without my authorization or in error, I ask that they be removed from my credit report. I also request that you provide me with an updated copy of my credit report once the necessary corrections have been made. 
Enclosed is a copy of my identification to verify my identity. 
I appreciate your prompt attention to this matter. Please confirm receipt of this letter and keep me informed of the progress of your investigation.
Product: Credit card

I've made a product change from one credit card to the other to get 5 % cash back on some categories. Choose utilities for the 4th quarter of 2023. While I was on the phone with them ( on a very very very very loooong phone call... ) I was passed to the manager XXXX who assured me I was getting my 5 % for utilities purchases made during the period. The proper rewards never showed up in my account. A couple of weeks ago I called us bank again and was told once more the 5 % would show up anytime. Today I called them again and was disconnected after talking to the first attendant about the issue and waiting to talk to someone else for almost 10 minutes. It's almost a month now and the roughly {$30.00} that I was supposed to get from my almost {$600.00} utility purchases already made this quarter ( and fully paid off!!! ) appear in my account are not there yet.
Product: Debt collection

Account # not provided. this is the information i got from XXXX XXXX Amshercollectionservices XXXX XXXX XXXX XXXX  XXXX XXXX AL XXXX. 


I am unaware of this debt and was not given the opportunity to dispute the account. If you believe proper notification was sent, please provide proof 'Certified Mail ', including receipts showing my signature. If you can not provide this, please immediately remove the account from my credit report, or I will pursue legal action.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting Act XXXX  Account XXXX, XXXX # XXXX has violated my rights. 

Account XXXX, XXXX # XXXX has violated my rights. 

Account XXXX XXXX # XXXX has violated my rights. 


15 U.S.C. 1681 section 602 A. States I have a 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: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I wrote Equifax to investigate XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  due to errors on my credit report. Equifax sent me a letter back that the accounts where verified. According to the law they did not do a proper investigation which means the accounts have to deleted and at this point can't be modified. Violations include 15 USC 1681 section 602 A. State I have a right to privacy. 15 USC 1681 section 604 A section ( 2 ) : It also states a consumer reporting agency can not furnish an account without my written instructions. I have additional information or supporting documents that reveal how a proper investigation was supposed to be done by law.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, XXXX or Experian has n't updated my credit report with my new address and phone number. I want XXXX XXXX, XXXX and Experian to update my credit report and public records with my new address and phone number which is : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX, XXXX. I want a statement added to my credit report. I want the statement to read the following : Before creditors issue any credit in my name, they must call and verify it with me at : XXXX
Product: Checking or savings account

XXXX/XXXX/XXXX received a promotion as below Starting XX/XX/XXXX you can earn up to {$180.00} over the next six consecutive calendar months by simply using HSBC for your everyday banking. Offer ends XX/XX/XXXX. 
In XXXX and XX/XX/XXXX i have completed these qualified transactions and received {$30.00} ( {$15.00} for bill pay and {$15.00} for debit card transactions ) for XX/XX/XXXX posted on XX/XX/XXXX as i didnt receive credit for XXXX transactions, i have contacted HSBC so many times, end of XXXX, XX/XX/XXXX, XXXX, XXXX, XX/XX/XXXX ), they keep saying they escalated the issue and get back to me but no hear from them. it supposed to post it on my account 8 weeks after completion- it means it should post it end of XXXX per their customer service. it has not been posted and i waited till end of XXXX and the account to be active. i didnt hear anything. to avoid any fees on account, i closed the account today but i should be eligible to revieve this fund as this credit should be posted end of XXXX and my account was active. 
Please see attachment for their promotion offer email and my transactions as proof of eligibility. transactions shows " XXXX '' next to it are XXXX transactions and credit for those transations are posted. ones for XXXX were not credit yet - more than XXXX debit transactions for XXXX and more than XXXX bill pay for XXXX that should qualify for {$15.00} each credit. whenever i called the customer service, they had different excuses that is not true statement like this offer is not for you ... or promotion ended in XXXX... i have a proof of email from XXXX and they finally agreed but no credit was posted.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went through a bankruptcy back in 2019 and noticed some accounts that were in my bankruptcy are still showing on my report and needs to be removed. This is an XXXX violation. The Following accounts are listed : XXXX XXXX # XXXX XXXX  XXXX XXXX XXXX XXXX  # XXXX CREDIT ACCEPTANCE CORP # 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

Hi, for the past 6 months I've been going back and forth the credit reporting agencies regarding these accounts in question and the reason for this is because I know that these accounts are being reported incorrectly. Under the Fair Credit Reporting Act ( 609 ) it is my right to challenge any account in my credit if I believe they are being reported inaccurate, unverifiable or incomplete. I believe they are and some of them have been corrected on some of the bureaus and some have not. I would like to make this complaint to show the level of urgency I have towards this matter. If you can please help I would really appreciate it. These accounts have to be deleted since they are holding my credit scores back and I'm looking to use my credit soon to make a major purchase. Thanks! 



1. Account Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balnce XXXX Reporting on : XXXX  XXXX and Transunion. I was NEVER late on this account please remove this negative information from my credit report 2. Account Name : XXXX  XXXX XXXX Account Number : XXXX Date : XX/XX/XXXX Reporting on : XXXX  and Transunion. I have no financial obligation with your company please delete this information from all credit reports like XXXX  has done 3. Account Name : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Reporting on : XXXX  and Transunion. I have no financial obligation with your company please delete this information from all credit reports like XXXX  has done 4. Account Name : Unknown Collection Number : XXXX Date Opened : XX/XX/XXXX Reporting on : XXXX, XXXX, Trans Union I have no financial obligation with your company please delete this information from all credit reports 5. Account Name : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Reporting on : Transunion and XXXX  I have no financial obligation with your company please delete this information from all credit reports like XXXX  has done. 


5. Account Name : XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Reporting on : Transunion, XXXX  and XXXX. I have no financial obligation with your company please delete this information from all credit reports. 


5. Account Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Reporting on : XXXX  I have no financial obligation with your company please delete this information from all credit reports like XXXX and Tranunion have done, for thsi account is and never has been mine
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, XXXX XXXX, and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. 

Based on, 15 U.S. Code 1681c2 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, not later than 4 business days after the date of receipt. 

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible!
Product: Vehicle loan or lease

WESTLAKE PORTFOLIO MANAGEMENT is attempting to collect a debt without a contractual obligation binding I the consumer and WESTLAKE PORTFOLIO MANAGEMENT. WESTLAKE PORTFOLIO MANAGEMENT UNLAWFULLY REPOSSESED MY AUTOMOBILE ILLIGALLY XX/XX/2022 without responding to my CONDITIONAL ACCEPTANCE LETTER sent certified mail XX/XX/2022 and it was delivered and received XX/XX/2022. 

Pursuant to title 15 USC 1692f ( XXXX ) -UNFAIR PRACTICES, prohibits the collection of any debt without a CONTRACT. 

WESTLAKE PORTFOLIO MANAGEMENT is attempting to collect a debt in the amount of {$1700.00}, there is no CONTRACTUAL AGREEMENT between XXXX XXXX XXXX XXXX and WESTLAKE PORTFOLIO MANAGEMENT for them to lawfully reposes my automobile, there for WESTLAKE PORTFOLIO MANAGEMENT is in VIOLATION of 15 USC 1692f ( XXXX ) -UNFAIR PRACTICES. 

I DEMAND WESTLAKE PORTFOLIO MANAGEMENT CEASE COLLECTIONS, {$0.00} OUT THE ACCOUNT XXXX, DELETE ANY NEGATIVE DOING TO MY CONSUMER REPORT, RETURN MY AUTOMOBILE THAT YOUR COMPANY UNLAWFULLY REPOSSESSED AND GRANT ME MY TITLE LIEN FREE WITHIN 30 DAYS, IF YOUR COMPANY FELLS TO DO SO I WILL SEEK LEGAL ACTION.