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

I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. 

The payment history on this account XXXX XXXX XXXX XXXX  is completely inaccurate. Attached you'll find a screenshot of the trade-line displaying the inaccurate reporting.
Product: Debt collection

I got a debt collections notice from ic systems I called XXXX and I DONT OWE XXXX ANY balance AT ALL I called ic systems and they blew me off! I don't owe the bill they are sending me a collection for!!
Product: Checking or savings account

On XX/XX/XXXX I made a phone call requesting a replacement debit card for my lost card. I received the new card on Monday XX/XX/XXXX at XXXX. I activated over the phone that night. The next morning I tried using the new card it was declined. I called Citibank and I was told I would be sent another card. I then went to a close branch on XXXX XXXX XXXX XXXX and was told I could not withdraw any money from my account. I am actively being denied access to my money. I have XXXX children to take care of and I need my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account needs to be removed immediately XXXX XXXX Should not have any information on my credit account From XXXX I need proof and valid information this is not my account remove immediately
Product: Credit reporting or other personal consumer reports

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

Lexis Nexis is providing misleading instructions to resolve system errors. To gain access to your consumer file, submit a request online, wait for PIN via mail, Validate PIN, then I assume you gain access. When the provided PIN does not validate, the instructions state the only way to resolve is to speak with a live representative. The phone number provided XXXX connects to a recorded message that loops with no option to speak with a live representative. When you call the general contact number XXXX, selecting the prompts that direct you to the consumer side of the business routes the call to the same looped message. How are consumers supposed to resolve issues if Lexis Nexis has made it impossible to speak to a live representative?
Product: Credit reporting or other personal consumer reports

In accordance with the Fair credit Reporting Act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under the 15 U.S.C 1681. 

Account name : XXXXXXXX XXXX # XXXX Amount XXXX. 

Account name : XXXX XXXX  XXXX Amount XXXX Account name : XXXXXXXX XXXX XXXX XXXX XXXX  XXXX # XXXX Amount 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 : Also states a consumer reporting agency can not furnish an 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 items 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: Student loan

I have been running consistently 1 month behind struggling to pay each month - Navient calls my phone 3 to 4 times a day leaving just a hangup - but leaves one message a day - I went over the help they can offer but they wont lower payment or interest or extend term - I have written them to cease and desist calling and just correspond by email
Product: Credit card or prepaid card

I legally changed my name and received the certified court order granting my name change XX/XX/XXXX. Shortly thereafter I contacted Chase to update my legal name for my credit card accounts. 

I was told repeatedly via message and phone support that I would not be able to send them documentation online, and that I would have to wait for a letter in the mail, which I would have to sign, scan, and send back to them. They refused to send me this form digitally. 

After I finally received this letter and changed my name with Chase, I was reissued a replacement card for only 1 of my 3 Chase accounts, and had to ask to have the other 2 replacement cards issued. The replacement cards did not have the display name on them that I wanted, so I had to request replacement cards with the correct name yet again. 

One of the benefits of my Chase Sapphire Reserve credit card account is a Priority Pass membership. I was not issued a new card for this with the correct name, and had to request it on XX/XX/XXXX. 

I received this replacement card on XXXX, and it had an incorrect name on it that did not match my ID. I requested a new card later that day, on XXXX, with the correct name via message-based support. 

I received another replacement card by mail on XX/XX/XXXX, which had the same incorrect name on it. I called phone support that day, XX/XX/XXXX, and was told they would expedite a replacement card with the correct name on it. 

I received that card by XXXXXXXX XXXX  the morning of XX/XX/XXXX, and it had the incorrect name on it yet again. I called phone support for this and was treated rudely, and was assured they would fix the issue. I also sent an email to XXXX XXXX and XXXX XXXX at Chase to try and reach an executive regarding the issue. I heard back from someone in the Executive Support office named XXXX. She reassured me on XX/XX/XXXX that I would receive a new card and she would personally make sure the name on it was correct. 

I received that replacement card yesterday, XXXX, and not only did it still have the incorrect name on it, but it was even more incorrect than before.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION 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. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

XXXX, XXXX XXXX  SOC SEC # XXXX DOB XX/XX/XXXX CURRENT ADDRESS XXXX XXXX XXXX  XXXX, XXXX XXXX, XXXX  XXXX Todays Date : XX/XX/XXXX ADVANCED COLLECTION BU XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious ADVANCED COLLECTION BU XXXX I have report your company to XXXX As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the  XXXX XXXX XXXX  XXXX  Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX  SOC SEC # XXXX DOB XX/XX/XXXX CURRENT ADDRESS XXXX XXXX XXXX  XXXX, XXXX XXXX, XXXX  XXXX
Product: Debt collection

There is a collection account listed from this company called the bureaus which is unknown I do not owe them XXXX this is inaccurate. I have disputed with receiving nothing back please help
Product: Vehicle loan or lease

I have called BMO corporate office several times and spoke with XXXX. I have advise her that my payments were being mis applied and bmo was reporting negatively on my credit report as a result of these mis applied payments. XXXX advise she woukd speak with the appropriate department and have them reach out to me once my payments were applied correctly. I never received a call and my payment are continously being applied incorrectly and my credit report is still showing negatively with bmo harris bank. Ive tried to call the corporate office and XXXX mutiple times and i have left mutiple messages and no one answered and no one has returned my call.
Product: Checking or savings account

XXXX XXXX, 2023 To : Chase XXXX XXXX XXXX XXXX XXXX RE : Fraud Case # XXXX During two calls I had with Claim Team Representatives XXXX and XXXX, I was given the following information regarding two debit card claims that were presented for payment on XXXX/XXXX/2023 : XXXX XXXX XXXX # XXXX XXXXXXXX XXXX 
XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX During the time of these purchases, I was at work. I have included my audited time sheet from that day and the verification letter from my supervisor. 
Also, I was told by the reps that my card was presented with a PIN at each business. That would be impossible to present the card in person to both businesses, because the transactions time is only 12 minutes, but the travel distance between the two locations is roughly 19 to 24 minutes during that time of day. I have included a XXXX XXXX showing the distances. 
I would like the money from these two fraudulent transactions returned to my account and any losses suffered due to the funds reversal and investigation to also be resolved and any fees reversed. 
Ive been a Chase customer for more than 20 years and have never felt so abandoned. I keep my card secure and am careful during transactions. And yet, I was victimized by Chases handling of the situation. There was no effort to believe me as a customer, and I was left to prove my innocence and told to file a report with the policetheres nothing we can do. Information contradicted between the calls, and I had to ask several questions to find out my options.
Product: Credit reporting or other personal consumer reports

It appears that my my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

on XX/XX/ I ordered a credit report to check on it and found several hard inquries that were not approved by me and 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. 


list of accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 u.s.c . 1681 section 602 a. states i have the right to privacy.

15 u.s.c. 1681 section 204 a section 2 : also states consumer reporting agency can not furnish an account with my written instructions. 
15 u.s.c. 1681 c. ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information any adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 u.s.c. 1681 s-2 ( a ) ( 1 ) a person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

New Complaint Experian has locked me put of my open accounts because of me reporting them and the law states consumer is supposed to be able to access there credit scores with ease i also paid for membership and still nothing form that site, I am XXXX  Very Bad, Experian is hurting me causing damages where as i am moving this month and can not let them check my credit due to experian dropping my score drastically. It has cause headaches and pain not to mention XXXX knowing, my chances are next to none now because of experian. I've did some of my own research and found on public law this is Identity Theft, As I Search Public Law 18 USC 1028a that is Aggravated identity theft, I do not consent to Experian Furnishing, Housing or producing my personal Information. I did not give written consent for Experian to do so. As I Search Public Law 15 U.S. Code USC 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. All Codes Public Law
Product: Credit reporting, credit repair services, or other personal consumer reports

Receiving daily telephone call ( s ) from XXXX XXXX XXXX identifying themselves as from an attorney 's office and I am unable to decifer the name after asking 3 times. They ask me to confirm that my name is " prior married name ". I ask what they want and they repeat the question. I responded yes and they hang up. 

The next call from that number was asking me if I was a different name - my maiden name which I recently change to. When I asked for clarification, they hung up. 

I have received a total of 6 calls in approx 2 days. They never divulge what they want after attempting to verify my name ( s )
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX SSN : SS # : XXXX DOB : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute several accounts that are currently appearing on my credit report. These accounts are as follows : XXXX account number XXXX, which has been late payment. 
XXXX, account number XXXX, which has been late payment. 
XXXX XXXX, account number XXXX, which has been charge off account. 

I believe that these accounts may contain errors or violations of federal law, including : Fair Credit Reporting Act ( FCRA ) Fair Debt Collection Practices Act ( FDCPA ) Fair and Accurate Credit Transactions Act ( FACTA ) Truth in Lending Act ( TILA ) Real Estate Settlement Procedures Act ( RESPA ) Equal Credit Opportunity Act ( ECOA ) Fair Credit Billing Act ( FCBA ) I am specifically concerned that your actions with respect to these accounts may have violated one or more of these laws. For example, the information on these accounts may not have been reported accurately, or the debt collection activity related to these accounts may not have been conducted in compliance with the FDCPA. 

I am requesting that you take the following actions to address these issues : Correct any errors or inaccuracies in my credit report related to these accounts. 
Cease any collection activity related to these accounts until the issues have been resolved. 
Provide me with any documentation that supports your position on these accounts. 
Respond to this dispute in writing within 30 days, and include a detailed explanation of how you plan to address these issues. 
I take this matter very seriously, and I am prepared to take legal action if necessary to protect my rights under federal law. 
Thank you for your attention to this matter. 

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

XX/XX/2018 XXXX XXXX also know as XXXX XXXX XXXX   pulled my credit and I didn't sign to have it authorized. Once I found out they pulled my credit they had me come back in, and they said I filled out a form which I did but I didn't sign it and told them NOT to pull my credit. ( Wasn't even there to shop for a car ) They said they would fix it and have yet to do it. I have called and sent letters and disputed it with all 3 credit bureaus and nothing. 

XX/XX/2018 XXXX pulled my credit I authorized them to pull it but again told them only once. They pulled it 8 times between all 3 credit reports. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have tried to dispute with reporting agencies, I've sent letters and called the companies. No one will help me. 

XX/XX/2018 same thing happened when trying to buy a car at XXXXXXXX XXXX XXXX XXXX. They were again told not to pull my credit but once, they too pulled it 8 times. They were pulling my credit after we had already bought the car! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX  I did not authorize all these inquiries and the are hurting my credit. I've tried everything to get them removed. 
T
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XX/XX/2022.
Product: Credit card or prepaid card

US bank is asking to verify my account since there are fraud anomalies on my account. One I haven't used my card for anything except for groceries or gas but that was a month ago. because I am paying off the card this year. They are asking me to send them my personal bank statements, tax forms, social security card, and other info such as DL via mail. I wouldn't mind sending my DL, but send my social security card, tax forms, and bank statements in the mail. I keep calling to get to the bottom of this, every single time I call so far every representative hangs up the phone when I asked if I can omit some info from my bank statements/tax form since I have had my identity stolen before. Plus they can not tell me why they need my statements or why they need to see what I am spending in my daily bank account. This has nothing to do with my credit card. Nor will they give me a fax number to send in the documents. This is sooooo unfair and very unprofessional and I just want to rectify the situation. The employees need to be trained better on how to handle the situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing a complaint against AMEX because my concern in my credit report is still not resolved. I have an account with AMEX that was opened in XX/XX/XXXX. Since then I have been 100 % on time with my payments. The account is always paid on time and always handled responsibly. I am an XXXX XXXX of the United States XXXX and usually travel according to my orders. I use the AutoPay feature to pay my bills automatically because while I am under orders, I am unable to predict the details of my mission. This account was under autopay but somehow this feature was removed or the terms were changed because the money was not taken from my account as originally agreed. I do not have any blemish on my credit except for this late payment that occurred in XX/XX/XXXX during the months of my deployment. The servicemembers Civil Relief Act usually covers and protects US soldiers from adverse effects to their finance and credit while serving in the military. I ask this to be looked into and removed from my credit report. This is the only late showing up and should not be reported because this was not my fault as I was XXXX  during the change in terms and late payment. I am also filling a XXXX complaint since this is XXXX need the late only late payment reported in XX/XX/XXXX to be removed from my credit report.till not resolved by AMEX. I also attached the copies of my deployment that you can use for investigation.