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

I have been a valued customer of Chase Bank since XXXX. However, on XX/XX/XXXX, I received a notification letter stating that my checking accounts and four credit cards would be terminated by XX/XX/XXXX. The letter did not provide any explanation for the account closures. I have always maintained a positive relationship with Chase and have never had any issues such as overdrafts, missed credit card payments, fraudulent activities, international wire transfers, or any other suspicious activities. 

I attempted to contact the number provided in the letter, and I spoke with a manager who informed me that a back-office team had reviewed my accounts but did not disclose the reasons for the closure. This sudden account termination has put me in a difficult financial situation, and I respectfully request that my accounts be reinstated. 

Thank you for your attention to this matter. I appreciate your assistance in resolving this issue and look forward to hearing from you.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX  : This account was taken over by XXXX XXXX  XXXX They never gave me a reason why the account was taken over and closed. This company is not communicating with me about the account. I believe this was closed because of Identity theft. 

XXXX account was closed for the same reason. 

THE AFFIRM INC account is not mine
Product: Credit reporting or other personal consumer reports

COMPANY TRANS UNION IS STILL BREAKING THE LEGAL, REAL, CONSUMER LAW WHEN IT PERTAINS TO MY CREDIT REPORT. TRANSUNION IS BUILT OFF OF SLAVERY AND THIS COMPANY WILL NOT REMOVE FRAUDULENT INFORMATION OFF OF MY CREDIT REPORT EVEN THOUGH TRANSUNION HAS ALL PROPER DOCUMENTATION SUCH AS FTC REPORT, ORDER TO CEASE AND DESIST WHICH TRANSUNION HAS DISREGARDED AND VIOLATED SEVERAL TIMES WHICH IS NOW SUBJECT TO LEGAL ACTION IN COURT, PROOF OF ADDRESS AND PROOF OF IDENTIFICATION. TRANS UNION CONTINUES TO BREAK THE LAW AND NOW AND HAS STILL BEEN VIOLATING ME AND MY RIGHTS AS A CONSUMER. COMPANY TRANS UNION IS IN VIOLATION OF : 1. AGGRAVATED IDENTITY THEFT - 18 USC 1028 A.

2. 15 US Code 1681a ( 2 ) ( B ) - CHARGE OFF, REPO, FORECLOSURE 3.15 US Code 1681 c 2- BLOCK OF INFORMATION RESULTING IDENTITY THEFT 4. 15 US Code 1681e ( b ) - MAXIMUM ACCURACY 5. 15 US Code 1681 a 2 - DEFINITION, RULES OF CONSTRUCTION 6. 15 US Code 1692 C - COMMUNICATION IN CONNECTION WITH DEBT COLLECTION 7. 15 US Code 1692 G - VIOLATION OF REPORTING A COLLECTION 8.15 US Code 1601- CONGRESSIONAL FINDINGS AND DECLARATION OF PURPOSE 9.15 US Code 1681 a ( 2 ) ( A ) ( i ) - LATE PAYMENTS 10. 15 US Code 1681b ( a ) ( 1 ) ( 2 ) - PERMISSIBLE PURPOSE 11. 42 USC 408 ( ILLEGAL AND FRAUD TO ASK FOR SOCIAL SECURITY NUMBER ) 12. SECTION 604 15 US Code 1681B - PERMISSIBLE PURPOSE ( FULL DETAIL ) 13. SECTION 605 A 15 US Code 1681 C-1 - IDENTITY THEFT PREVENTION ; FRAUD ALERTS AND XXXX XXXX ALERT 14.SECTION 506 B 15 US Code 1681 C-2 - BLOCK OF INFORMATION RESULTING FROM IDENTITY THEFT AGAIN TRANSUNION WAS PROVIDED A FULL FTC REPORT OF ALL ACCOUNTS WHICH ARE XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AND XXXX XXXX XXXX XXXX AND TRANSUNION WILL NOT REMOVE THESE FRAUDULENT ACCOUNTS EVEN THOUGH THEY ARE BREAKING THE LAW AND THEY HAVE PROOF TO REMOVE. 
ALL VIOLATIONS THAT HAVE BEEN COMMITTED AGAINST ME, I WILL NOW BE REQUESTING {$2000.00} PER VIOLATION, PAIN AND SUFFERING, AND THE PAY OF COURT COST. THE TOTAL OF COMPENSATION IS {$50000.00}. COURT WILL BE AT A LOCAL VENUE NEAR ME. I HAVE BEEN DISPUTING THE FRAUDULENT ACCOUNTS THAT ARE ON MY CREDIT REPORT FOR YEARS. THIS SAME INFORMATION, OTHER BUREAUS HAVE REMOVED FRAUDULENT ACCOUNTS AND I DON'T UNDERSTAND WHY TRANSUNION WILL NOT REMOVE THIS INFORMATION. TRANSUNION CONTINUES TO BREAK THE LAW AND IS AWARE OF BREAKING THE LAW. REMOVE ALL HARMFUL, UNLAWFUL, DECEPTIVE, ILLEGAL, FRAUDULENT INFORMATION FROM MY CREDIT REPORT! TRANSUNION YOU ARE BREAKING THE LAW CONTINUOUSLY.
Product: Debt collection

Loan was originally from Cash Store. The company calling me is a company called XXXX. They continually call, threaten to sue ... they have called my family members in which they never had authorization to call them and gave them false information. They told my family they were calling because I had a returned check. Violating all sorts of fdcpa laws.
Product: Vehicle loan or lease

Vehicle registration paperwork has been in limbo since XXXX. Have not been able to register vehicle and not able XXXX XXXX vehicle because of this. Late and missing payments due to loss of hours at work and recently suffered a work related injury resulting in partial amputation on left hand. Chase has not resolved the XXXX registration issue and not willing to work with me about payment options. Most recently a payment which would have kept me from going beyond XXXX late has been returned, forcing me into full payment of remaining balance or repossession of vehicle. Chase claims to be mailing paperwork but I have yet to see anything since XXXX of XXXX. And messages they claim to have left have not been received due to callers not identifying themselves as part of Chase Bank. Please Help.
Product: Debt collection

Eastern Account Systems is a third party collections account that does not belong to me. This company also made no attempt to contact me and verify this debt. I do not have any relationship with this company as this an attempt to exhort money from me for an account that is not valid. Eastern Account Systems has reported this fraudulent account to XXXX and XXXX. They have also attached it to an address that is not mine. Third party collections violate the following : FCRA 611 ( 15 U.S.C. 1681i ). This section of the FCRA requires that credit bureaus conduct a reasonable investigation into disputed information. As the collection account is inaccurate and unverifiable, I request that it be removed from my credit report immediately. If the furnisher can not provide verification within 15 days, it must be deleted. FCRA 605 ( 15 U.S.C. 1681c ) ** : According to this section, negative information such as collection accounts must be removed from a credit report. FDCPA 807 ( 15 U.S.C. 1692e ) ** : The **Fair Debt Collection Practices Act** prohibits the reporting of false or misleading information by debt collectors. If the account is not verified by the original creditor or if there are inaccuracies, I demand its immediate deletion under this provision. Unverifiable Debt : If the credit reporting agency and the collection agency can not provide valid documentation and proof of this debt as required by **FCRA XXXX23 ( 15 U.S.C. 1681s-2 ) **, it must be removed from my credit report. Creditors and collectors are legally obligated to report accurate information, and failure to verify the account should result in its deletion. Furthermore, under 15 USC 1692g debt collectors must validate debt. If they can not its NOT enforceable. I am also enforcing my rights through UCC 3-501 by demanding proof of debt through the original contract. I also want an itemized statement of my debt under secured transactions law according to UCC 9-210. 

This accounts and inaccurate address are **fraudulent, not mine**, and is causing damage to my financial credibility and emotional well-being. Eastern Account Systems **continued reporting of this false and unverifiable debt** is unlawful and in direct violation of my rights.
Product: Credit reporting or other personal consumer reports

I am filing this complaint against TransUnion for repeatedly violating my rights under the Fair Credit Reporting Act ( FCRA ). TransUnion has failed to maintain the maximum possible accuracy in reporting my account history, as required under 15 U.S.C. 1681e ( b ). My previous and most recent credit reports show inconsistent and changing late payment dates, proving their reckless disregard for accuracy. This is unacceptable and a direct violation of my rights. Additionally, TransUnion is reporting this account against my will and without my written authorization or consent. I have never permitted them to report this account, making this an unauthorized and unjustified intrusion into my credit file. They are knowingly reporting information that I do not authorize, further compounding their violations. Further proving their inaccuracy, XXXX is not reporting any late payments on this account, yet TransUnion is. If this account were truly delinquent, it would be reported consistently across all bureaus. This clear inconsistency shows XXXX failure to ensure accurate and verifiable reporting, further violating my rights. TransUnion has also failed in its duty to properly reinvestigate this disputed information, violating 15 U.S.C. 1681i ( a ). Despite my previous disputes, the issue has not been resolved, and the inaccurate reporting continues. Furthermore, the furnishers have failed to meet their obligations under 15 U.S.C. 1681s-2 ( b ) by not correcting or deleting this disputed information. This serves as my final reminder to TransUnion. If they do not immediately correct or delete this account, I will escalate this matter further, including seeking legal action and additional regulatory complaints. I demand immediate action from the CFPB to hold TransUnion accountable for these repeated violations. I request either the correction or complete deletion of this account from my credit file. Their blatant disregard for accuracy, failure to conduct a proper reinvestigation, and unauthorized reporting of my account must be addressed. I urge the CFPB to take swift enforcement action to ensure compliance with federal law.
Product: Credit reporting, credit repair services, or other personal consumer reports

Last summer sometime around XX/XX/XXXXI began monitoring my credit reort and disputing accounts that were n't mine due to my identity being compromised/stolen and having no knowledge of the accounts on my report. 
I disputed the accounts with XXXX and the disputed accounts were Trident Asset Management for {$260.00} and {$200.00}. XXXX XXXX XXXX for double charges {$500.00}, {$500.00}, {$340.00}, {$340.00}, {$180.00}, {$180.00}. XXXX XXXX XXXX for {$140.00}, {$130.00}, {$15.00}. XXXX XXXX for {$65.00}, {$65.00}. XXXX XXXX {$68.00}, {$68.00}. 
It took me a while to notice due to just having a baby XXXX XXXX and not checking my report for a while but inXX/XX/XXXX I noticed these accounts were reinserted onto my credit reports without any documentation supporting accuracy for re-inserting the negative credit items or any notifications from the creditors nor the bereau but I have letters published on the dispute website from XXXX that these accounts were deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXXXXXX 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose I DID MADE THE PAYMENTS ON TIME I NEVER MISS A PAYMENT ON THIS ACCOUNT
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the following information in my file. I recently received a copy of my credit reports  (  XXXX ,  XXXX , and   XXXX   ). The credit report showed credit inquiries that I dont recall authoriz ing. I understand that you should not be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file with all   XXXX   credit bureau agencies because it is making it very difficult for me to acquire credit.     The FCRA states that the only permissible purpose for pulling someones credit is for : A. Firm Offer of Credit B . Insurance C. Employment D. Court Order Pl ease remove these inquiries from my credit reports immediately.
Product: Mortgage

We never received our property tax check. We called US Bank in XX/XX/XXXX. US Bank told us they were fed exing the property tax check. We never received it, and followed up with US Bank in XX/XX/XXXX. US Bank promised to wire funds directly to the government where the property taxes were to be paid. We received confirmation from US Bank that the property taxes were paid XX/XX/XXXX XXXX. In XX/XX/XXXX we received a notice from our village that the property taxes were not paid. Followed up with US Bank XXXX XXXX. US Bank noticed that only {$80.00} was wired for our taxes. They said they would cover any penalties and pay the taxes. Followed up with village today, XXXX XXXX, and taxes are still not paid. Followed up with US Bank. They are now still researching.
Product: Credit reporting or other personal consumer reports

Credit inquiry without consent. I received an alert from XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed numerous complaints about the fact that TransUnion LLC is reporting inaccurate information on my personal credit report. At the same time TransUnion LLC is providing a wrong evidence in response to my complaints. For example, in my latest complaint from XX/XX/2023 I complained about that I do not recognize an inquiry from XXXX XXXX XXXX  XX/XX/2023. In response to my complaint TransUnion LLC sends me excerpt from my an INDIVIDUAL account - XXXX XXXX XXXX which I never complained about. Please see TransUnion LLC investigation result letter attached that clearly states that this is individual account and in my complain I clearly dispute some not related to my business account that I never applied for. Just in case I am attaching the complaint letter that I sent to TransUnion LLC. 
In addition TransUnion LLC is reporting other inaccurate information on credit report : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I settled this with XXXX XXXX XXXX XXXX, XXXX XXXX XXXX has no right or valid contract, it is against the law to collect money twice ... XXXX XXXX XXXX has no right or valid contract, this was settled with XXXX XXXX XXXX XXXX XXXX, you can not collect money twice ... 
I contacted original creditors and was told that your system may not be updated or is in error ... XXXX verification is faulty ... and they told me that they ( the creditors ) did not verify this to you ... please remove or litigation will follow, this is in violation of F.C.R.A. law
Product: Debt collection

Rentdebt Automated Collections They did not notify me of an alleged debt for collection with their company. The debt was for apartment move-out damages. 
They never sent notification to my known forwarding address, email or called me. If it was move-out damages, how could I still be living there. 

They Listed the debt on my credit report and did not provide verification of debt when requested. 

They did not remove the collection from my credit report and continue to report inaccurate information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have many incorrect inquiries on my credit report that I have never been affiliated with. Even some of the names and addresses on my report are wrong. I do not understand how these things are being tied to my name but i have nothing to do with this. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Sometime during mid XX/XX/2023, Chase started preventing customers from logging into their accounts if the customers don't have the most up-to-date web browser ( i.e., XXXX, XXXX, XXXX, XXXX ). Unfortunately, many customers like me with older computer hardware ( e.g., XXXX with XXXX XXXX XXXX XXXX ) can not update to the most up-to-date web browsers. This effectively means that I, along with others who must use older operating systems due to software needs, are now completely prevented from using Chase 's website to maintain and view our accounts. For reference, I phoned Chase on XX/XX/2023 to understand if there is an alternative version of the website that will still allow me to access my account without needing to purchase a new computer, but I was told there is not. Also for reference, there is no other website that I'm aware of - let alone another financial institution website - that is completely blocking customers from accessing their accounts via desktop if they are not using the most up-to-date browser. I can not imagine that I am the only person facing this accessibility challenge, as there are thousands of lower income customers who do not have the financial means to regularly purchase new computer hardware that can support the most up-to-date browsers.
Product: Debt collection

On XXXX XXXX,2018 I was going through my credit reports and saw a medical bill that i did n't recognize.So what i did i wanted more information about the debt so I faxed company a Validation Letter requiring the things they need to verify the debt.The weeks later the company sent me a bill but they did n't send the other requirements needed to verify the debt.So as of now the debt is not valid and and need to be removed from all reporting credit bureaus.
Product: Credit reporting or other personal consumer reports

IDs XXXX XXXX Dear transunion XXXX XXXX XXXX XXXX Attn : XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Pictures of proof included XXXX XXXX XXXX XXXXXXXX XXXX XXXX : XXXX XXXX HISTORY CHANGE FROM XX/XX/XXXX & XX/XX/XXXX was change too XX/XX/XXXX & XX/XX/XXXX. 

PAYMENT HISTORY ON XX/XX/XXXX : SAYS I MADE A PAYMENT BUT THERE NOT A OK IN PAYMENT HISTORY & WHAT ABOUT XX/XX/XXXX & XX/XX/XXXX REMARKS : NOT SHOWING NOTICE OF DISPUTE. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX IS REPORTING MAXIMUM DELINQUENCY : XX/XX/XXXX out of date & 90 DAYS NO LATES IN PAYMENT HISTORY. 

LAST PAYMENT CHANGED : FROM XX/XX/XXXX TO XX/XX/XXXX THATS A VIOLATION AS OF XX/XX/XXXX UPDATED TO XX/XX/XXXX this account is incorrect LATE PAYMENTS IN PAYMENT HISTORY : THERE NOT ANY LATE PAYMENTS BUT THE ACCOUNT STATUS SAYS I HAVE 90 DAYS LATE. 

Remarks : THERES NO NOTICE OF DISPUTE PAYMENT HISTORY : THERE NO LATES & PAYMENT HISTORY HAS BEEN XX/XX/XXXX IN IS NOT REPORTING ON XX/XX/XXXX & THERES NOT ANY LATES IN PAYMENT HISTORY XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX from these dates. 

Want both ACCOUNTS removed If a consumer notifies a furnisher that the consumer disputes the completeness or accuracy of any information reported by the furnisher, the furnisher may not subsequently report that information to a CRA without providing notice of the dispute. Section 623 ( a ) ( 3 ).

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies Reporting information with actual knowledge of errors 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. 

FILE NUMBERS FROM PAST DISPUTES : XXXX XXXX FOR TRANSUNION
Product: Mortgage

XXXX, my job ( entire department ) was eliminated due to centralizing in XXXX. XXXX I used my severance pay to pay my mortgage up through XXXX. XXXX 's mortgage was due XXXX, so I called that same day to discuss situation. I explained it was hard to pay all bills with small, weekly checks, so could pay {$180.00} weekly as I received unemployment pay? They said no, but then they offered no other options or resources when I asked if they had any advice. I did not have the full amount of the mortgage until I received direct deposit on XXXX, I immediately went about making the payment. They locked my online account so I had to call them, they said because I was late I could only pay by phone and yet I would be charged XXXX $ on top of late fee for doing so. Fine, I did so, XXXX payment was made at XXXX XXXX on XXXX but then she went about telling me I had already been reported to the credit bureau for being XXXX days late ... .I was paying on exactly the XXXX day because they refused any other options or arrangements. They made XXXX $ from the situation and damaged our credit. Plus, I explained I had a job, but I started on XXXX and my first paycheck would be XXXX, is there anything they could do to help me and they said to check out a " my options '' website, but my next payment would still be late by XXXX. I asked about modification or determent and was told I did n't qualify.
Product: Credit reporting, credit repair services, or other personal consumer reports

Today Saturday XX/XX/2022, I checked my credit report for XXXX to find out an account using my social security number has been opened for Capital One 360, and I did not open any new accounts using my social security number with Capital One 360 ever. I have received security alerts that my social security number has been compromised and this action appears to be the result of this fraudulent activity.
Product: Debt collection

I withhold my consent for electronic communication and explicitly request that all responses be conveyed in written form through the United States Postal Service ( USPS ). According to the Fair Credit Billing Act, it is imperative that accurate billing procedures are followed, statements are sent to the correct address, change of address requests are acknowledged, and disputed charges are handled in accordance with legal requirements. Additionally, the Act mandates that you promptly provide lawfully requested information about my account upon my request. In adherence to the FCBA, I request that you furnish a notarized statement on your official letterhead, confirming your compliance with the FCBA in general and specifically with regards to my account throughout my tenure as a customer. Account Details : XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello my name is XXXX XXXX and I am XXXX years old. I am disputing everything on my credit report. I am not old enough to have credit and unfortunately somebody used my name and social security number. My mother XXXX XXXX has tried to reach out to the creditors on my credit report and she was unsuccessful. I would like all items removed off my credit. My mom even sent over documentation that I am a minor and not old enough to have credit cards XXXX/XXXX {$830.00} Closed 43 potentially negative months XXXX XXXX/XXXX XXXX  Closed {$210.00} 5 potentially negative months XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting and XXXX  XXXX account ending with # XXXX, has violated my rights : 15 U.S.C 1681 Section 602 A. States that I have the right to privacy 15 U.S.C 1681 Section 604 A. Also states thats a consumer agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX an XXXX Company shared my information with XXXX XXXX  without my authorization or consent which led to me being denied credit my privacy was violated by XXXX XXXX  and it's inaccurate credit reporting because I also have no knowledge of the Auto loan with XXXX XXXX  I never gave permission for any of my personal information to be shared with anyone and my information has been shared with third parties more than twice it's a violation by federal law I have the right to fair credit reporting and right to privacy
Product: Vehicle loan or lease

XX/XX/XXXX th this company keep adding payments at the end of loan this not payments it late fees they been adding payments for more than 6, weeks
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reviewed my consumer reports and still find inquires that I did not give Experian written consent to furnish which would be identity theft. I have made this complaint multiple times.