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

I try to contact XXXX, XXXX, and experian, about several inquiries in my credit reports that i did not do. I did not authorized companies to run my credit, I been a victim of identity theft for the past months. Someone had been trying open accounts under my name without success, this past months. And CREDIT BUREAUS had remove some inquiries. But since a couple days the same think started to happen all over and XXXX and XXXX are ignoring my situation.
Product: Credit reporting or other personal consumer reports

I am writing to formally lodge a complaint regarding the inaccurate reporting of account XXXX on my credit reports, which is in clear violation of the Fair Credit Reporting Act ( FCRA ). It has come to my attention that TransUnion is reporting an account that was to be removed XX/XX/2023 and the creditor has confirmed this. This discrepancy not only undermines the credibility of the information but also violates my consumer right to have a fair and accurate credit report. Furthermore, I must highlight that XXXX and XXXX have already deleted this account from my credit report. Therefore, the inclusion of this account by TransUnion constitutes false reporting. As such, its continued presence on my credit report is not only erroneous but also damaging to my creditworthiness and financial reputation. Should you persist in your non-compliance and failure to rectify this situation promptly, please be advised that I am prepared to take legal action to seek relief and monetary damages under FCRA Sections 616 and 617. I am diligently documenting all communications and actions taken in this matter for this purpose. I hereby demand the immediate removal of account XXXX from my credit reports maintained by TransUnion and XXXX. I expect confirmation of this action within 7-10 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not know who this collection companies are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX nor have I ever done business with them or been lent any my by this agency for me to owe such debt nor do I agree with this debt on my report as I never signed anything with such agency. If you can not provide me a SIGNED DOCUMENT and not a statement of accounts of this collections within 30 days from this dispute, please get them deleted as soon as possible.
Product: Checking or savings account

One of my businesses, XXXX XXXX, XXXX maintained an active checking account with JP Morgan Chase for over 6.5 years. The business is a wholesale car dealership that is partnered with another dealership ( XXXX, XXXX who banks at XXXX XXXX ). XXXX is my only customer as I buy cars from them to help them expand their buying capacity and then when they sell the cars they buy them back from me. As the business grew this resulted in a large number of checks to buy cars ( written to XXXX ) and sell cars ( received from XXXX ). Given the increase in volume I had changed the account 3 months ago to an account that allowed a higher number of transactions. On XX/XX/2019 as I was trying to make 2 deposits to the account I was told the account was " restricted '' and could not process any transactions. I found out that the account had been frozen, along with {$140000.00} that was in the account and turned over to the compliance department. I was initially told that after 10 business days the account would be closed and a check would be sent out with the funds. It has now been almost 20 business days and I was told that the account is now in " investigations '' but no one will tell me why or what is being investigated. I also filed a complaint with the JP Morgan Chase executive office who called me and said they were looking into the situation but have since not returned my calls over the last 3 days. The bankers who I know personally in the branch have not been able to directly talk to the department who is handling the account now and have no answers for me as to why it has been sent to investigations or why or when I will receive the funds. The inaccessibility of these funds is causing a severe hardship for our business to continue meeting the needs of our customer which is causing a strain in the business relationship. It is also resulting in lost profits in the amount of approximately {$2000.00} for every month the funds are held in suspense. The bank has not provided any explanation other than they froze the account because I was writing checks on uncollected funds ( meaning I made deposits from my customer and wrote checks to my customer on the same day ) and after deposits hit the account there were always sufficient funds to cover outstanding checks. JP Morgan Chase is effectively placing economic " sanctions '' on me by not making these funds available and holding them indefinitely without providing any reason why or contacting me to try and get a better understanding of the account activity so can show there was nothing nefarious going on. I have attached an excel spreadsheet of all bank activity in this account for 2019. Please Help!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I logged into my USAA account portal. I was looking over loan opportunities and need to consolidate credit card debt. They offer an online application for loans. I selected personal loan and for the " purpose '' used debt consolidation in their offered drop down menu. Filled in my personal information and then it asked to me submit. It gave an immediate DENIAL! Reasons : Thank you, XXXX XXXX, for your Personal loan application. Unfortunately, we can not fulfill your request for a loan because of the following reasons : Excessive obligations Insufficient or lack of income Proportion of balances to credit limits on bank/national revolving or other revolving accounts is too high Amount owed on revolving accounts is too high Which is unfair declining factors of the type of loan I applied for! It never asked what items I wanted to payoff! I worked in XXXX for 18 years and have even been a XXXX XXXX. If a debt consolidation loan is applied the first question to be answered is, which items are you wanting to payoff. Of course when these items would be marked for payoff, it would greatly impact the 4 declining factors they listed ( shown above ). I immediately call USAA and the lady argues with me, I asked to speak to a supervisor ( which I never was able to ), transfers me to an expediting department. I explained their reasons for denial are inaccurate and would greatly differ if you were able to choose the items you are wanting to payoff and close. 

The computer generated e-mail I received with the first denial was then removed the next day! They manipulated their system and now that document is NOT in my archived documents any longer as of XX/XX/XXXX. It now shows the attached letter stating my purpose of the loan was " Cover Personal Family or Household Expense '' I find it strange that after calling them and telling them I will dispute their unfair declining factors and the negative inquiry that the first letter is now gone. They make up this purpose which WAS NOT what I selected. Awful business and company to do business with. I sure hope all their service members are not treated like this.
Product: Credit reporting or other personal consumer reports

There is identity theft occurring on my credit report. 

Account Name : XXXX  Account Number : XXXX Reason : Identity Theft Account Name : XXXX XXXX XXXX XXXX  Account Number : XXXX Reason : Identity Theft Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : Identity Theft Account Name : XXXX XXXX Account Number : XXXX Reason : Identity Theft Account Name : XXXX Account Number : XXXX Reason : Identity Theft Account Name : XXXX - XXXXXXXX XXXX  Account Number : XXXX Reason : Identity Theft
Product: Credit card or prepaid card

I bought an airplane ticket for a friend of mine with my Chase credit card in XX/XX/XXXX. The flight was cancelled due to the pandemic. In XX/XX/XXXX I cancelled that credit card account. According to XXXX XXXX the ticket was refunded to Chase one year later on XX/XX/XXXX. 
I contacted the Chase Credit card and they said because my credit card account was cancelled they returned the money to XXXX XXXX on XX/XX/XXXX, XXXX.However, XXXX XXXX  said they never received the the money back. Here are my questions : 1. Why did Chase not issue a refund check on my name? Or, why they did not apply the refund to one of my another credit cards I have with them? 

2. Where is my money? According to the latest email received from XXXX XXXX the refund never got back from Chase credit Cards to them.
Product: Credit reporting or other personal consumer reports

Recently I did an investigation on my credit report and found several items on to be inaccurate. 

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shalli ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Please remove the following items from my credit report, 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
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes to Equifax, XXXX, and XXXX. They have not been answered. There are multiple accounts that I do not recognize and have not received validation for. I have not gotten any response back from the credit bureaus. I have attached my disputes to this complaint. Please assist me in having them investigate.
Product: Student loan

Failure To Respond To Debt Validation Letter XXXX XXXX XX/XX/2023 Account # XXXX Due to ( The department of education/Nelnet ) your companys failure to respond to my validation of debt request within the 30 day timeframe you are legally required to remove these alleged debts from my consumer report. I have email receipt that your company received my letter request on XX/XX/2023. Your offices confirmed via email that it was received on XX/XX/XXXXXXXX XXXX XXXX  which I have uploaded on this complaint. Which it has now been well over 30 days. Due to your company not validating this alleged debt which you are legally obligated to, you are no longer allowed to continue having this alleged debt on my consumer report. This an official request to have your offices remove the invalidated information from ALL 3 major credit bureaus ( XXXX, XXXX XXXX XXXX ). If I am not mailed completion of this request within 30 days your offices will in fact be in constitute of fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company, I will not hesitate in bringing legal action against your company for the following : Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character. 

I will be waiting for your companys response Thank you for your cooperation
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed IRS Form XXXX in XX/XX/XXXX with the IRS to have a satisfied tax lien removed from by credit file. The IRS accepted and approved my request in late XX/XX/XXXX. They filed IRS Form XXXX A with the Clerk of Superior Court of XXXX XXXX to withdraw the lien on XX/XX/XXXX. I have personally verified with the XXXXrk of Superior Court of XXXX XXXX that the lien is no longer recorded with the court. I filed a dispute with XXXX to have the lien removed from by credit file. I received a notification from XXXX on XX/XX/XXXX stating that the lien is reporting as released. That is incorrect. The lien has been withdrawn and is no longer being reported..
Product: Debt collection

A person named XXXX XXXX from Centric Assets and his " supervisor '' keep calling my work. I 've tried to find them online, and I can not find any legitimate record of them. The debt is being paid through a legitimate collector, and is not in the amount that they claim. I have asked for a validation letter, and they keep saying they have sent it to my current address, which I gave them the first time they called and to my current email. I have received nothing. They seem to be very unprofessional. I was told that XXXX " was n't gon na play with me anymore '' and that he expected better of me because I was " XXXX ''. These people are calling my XXXX while I am XXXX. This is unacceptable.
Product: Debt collection

This letter is being sent to you in response to a letter received by Claimant from your offices dated XX/XX/year>. Be advised that your claim is disputed and validation and proof of claim of the disputed debt is requested in accordance with the Fair Debt Collection Practices Act, 15 USCG 1692 et seq., and the Fair Credit Billing Act, 15 U.S.C. 1666.

This is NOT a request for verification or proof of Claimant mailing address, but a request for VALIDATION and PROOF OF CLAIM made pursuant to the above named Titles and Sections. I respectfully request that your offices provide Claimant with competent evidence as per the attached Declaration and Proof of Claim that I have any legal obligation to pay you the unsubstantiated alleged debt. Furthermore you shall cease all verbal communication. No phone calls to the Claimant.
Product: Vehicle loan or lease

In the year of XXXX I decided to purchase my first car. I was XXXX at the time and a college student that lived XXXX hours away from home and really needed a car for school. I came up on these people called American Car Center and saw that they were willing to accept people without having to really dive into credit, which at the time sounded good for me because i was just starting my credit and it was not where it should be to purchase a car and it resulted to a lot of people turning me away because of that! I finally found a car that fit me at the time and it was a XXXX XXXX XXXX XXXX for XXXX but they started to upcharge and add many fees and it ended up totaling to XXXX which was a terrible deal that i noticed farther down the line. The company ended up going Bankrupt and closing down the year after i received my car and was bought by Westlake Portfolios which is a company that is bad with responding and bad with communication and providing proof documents.I have been in a situation where i was told one thing and what was said in the calls was never documented or sent over to my email as they always say that they are going to do and this has resulted in getting my car snatched before and as i looked into the company i have found that it has happened to more people like me hence the XXXX star rating. I really want to get out of this deal and into a more spacious car but i can't because everytime i contact the refinancing center for them they never answer me and I am constantly repairing this car every week almost and have been ever since i got the car and it is so frustrating because i am a full time busy car student and i have this high XXXX car that is not worth it hanging over my head.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX Re : Cease and Desist Communication Regarding Alleged Debt for XXXX, Account Number : XXXX To Whom It May Concern, This letter is to formally notify you, under the provisions of the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ), that I am requesting you cease all communication with me regarding the above-referenced alleged debt.

I dispute the validity of this debt and request no further contact unless it is to provide : 1. Verification of the alleged debt as required under 15 U.S.C. 1692g ( b ) ; or 2. Notice of specific legal actions you intend to take, as permitted by law.

Any further attempts to contact me, including but not limited to phone calls, emails, or letters, will be considered a violation of the FDCPA, and I reserve the right to report such violations to the Consumer Financial Protection Bureau ( CFPB ) or take appropriate legal action. 

Please update your records to reflect this request immediately. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Mortgage

This is a follow up complaint to Complaint XXXX. 

A second, distinct complaint is being made because, during a telephone conversation with a person who responded to ( XXXX ) XXXX on behalf of CFPB, the advice given us was to file an additional, new complaint. 

This new complaint, on review, we believe should be viewed as a substantive reply to the Response which the prospective lender gave to our first Complaint. That is what we intend. In a similar vein, we believe the second complaint in CFPB terminology is " feedback. '' But before phoning and speaking with the person who responded to ( XXXX ) XXXX on behalf of CFPB, we provided formal feedback to your agency of a non-substantive nature regarding a telephone request we left on the voicemail of the person whose name is given as the preparer of the Response which the prospective lender gave to our first Complaint. Incidentally we have not received a response to that telephone request. 

Our Second Complaint and First Substantive Feedback to XXXX is as follows : Respectfully, in order to understand the Response, we believe we need - and so hereby request explanations of the following : 1. Why & how monthly income increased {$300.00} ( from {$10000.00} as advised on XX/XX/XXXX, to the Responses {$10000.00} ) or an increase of 2.9 %. 

This increase reduced the apparent shortfall in monthly income from {$220.00} on XX/XX/XXXX, to {$86.00}, a reduction of 61 %. 

2. How our monthly debt ( unchanged from the Responses {$4900.00} ) is arrived at. At a minimum, the traditional meaning of debt is not being used to get to this figure. 

3. The rationale for saying ... no eligible income was omitted when the Response increased our monthly income by {$300.00} or 2.9 %. 

4. Failing to explain in any way our principal inquiry, namely, the failure of any gross-up for significant amounts of our income as to which there are no - or reduced income taxes, whether federal, state or both. 

5. What repetition of an explanation by Mr Allende? There had been none prior to the conversation we had. Nor did he give one. 

He merely said repeatedly there could be no reconsideration ( what we were then seeking ) or response at all, because our application was no longer before the appropriate lender person or entity. 

If anything further is necessary or appears helpful for responding to us in any regard, please inform us of it and we'll make every reasonable effort to provide it.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to 15 USC 1681 ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if- ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

XXXX XXXX XXXX Has Violated my rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

It's always a struggle to get the bureaus to remove outdated / inaccurate info. Well I'm requesting the items be removed/ corrected as follows. They don't add any value so there is no point in keeping it on my report past it's time, to create pages and pages of confusion for lenders to go through and figure out. 

1. Remove XXXX XXXX XXXX as my employer, I do not work here and the info is outdated. 
2. XXXX # XXXX - remove the dispute language showing, I never disputed this account & had no reason to ever do so. I requested the removal of old XXXX XXXX & XXXX loans that were more than a decade old, you chose to consider that a dispute & disputed an item I never complained about. Remove that language immediately as it's inaccurate & never requested by me. 
3. XXXX # XXXX - paid off XX/XX/XXXX - {$5400.00} limit account is outdated, remove. 
4. XXXX XXXX XXXX inquiry from XX/XX/XXXX should be removed immediately as it is outdated. This does hurt my scores.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Social Security Number XXXXXXXX XXXX XXXXXXXX Case number XXXX Date XX/XX/2023 To Whom It May Concern I have Disputed with you and response you verified the item as accurate stating that you have verified the information with the courts, and their response is enclosed. It is clear they do not report to you or any credit Bureaus for that matter, therefore your initial response verifying the item with the courts was either an error or a lie either way the reporting requirements do not comply with the F.C.R.A 611 ( 15 U.S.C. 1681I ) and the information must be deleted Immediately.
Product: Debt collection

Contacted company on XX/XX/XXXX about account owed, amount XXXX, asked rep to to settle at 75 %, was told can only settle at 55 % for {$300.00} or 50 % at XXXX, told me it would reflect on credit report as settle in a lesser amount, asked to if settle amount of XXXX could be accepted, Rep.said no only XXXX and removing from credit report today would only be accepted These amounts do not add up, unfair and un reasonable amounts, percents are incorrect. 

This account is a auto insurance policy that was cancelled in XXXX
Product: Checking or savings account

Funds were not disbursed as promised. Chase notified me via phone call that my monies would be sent via check in the mail, since my account was mistakenly closed due to supposed fraud after I deposited a check from my employer XXXX which they later confirmed was legitimate, and in fact there was no fraud. A Chase customer representative apologized and promised my funds would be sent via check to my mailing address, yet to this day I have never received it. 

Chase Personal Checking Account was opened in XXXX. 

What really scares me is theres a huge online community of previous Chase account holders against Chase Bank. And thats not even the scary part yet. There seems to be an underlying theme that Chase Bank associates account holders with supposed fraud and closes their accounts, ultimately freezing their funds permanently not allowing the account holder access to their hard earned money. I just want my money back from this institution, and in return I will not open a lawsuit against them. They closed my account without notification, XXXX. I was in severe financial hardship. They took everything. Giving back my funds is the least they can do.