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

I am submitting this follow up complaint because I still believe there are some errors on my credit file. I would like Credit bureaus to verify the information below and verify that its not untimely, inaccurate, unverifiable or incomplete. Immediate action is imperative to rectify this matter. I expect a thorough investigation into why these inaccuracies persist on my credit report despite multiple requests for deletion. Additionally, I demand transparency regarding the steps being taken to address these issues and a clear timeline for their resolution. Federal law compels the 3 credit bureaus to respond within the proper time frame, yet they have yet to respond to my letters. They should remove the following late closed and charge off accounts completely from my credit file : XX/XX/XXXXBalance : {$0.00} - Please investigate the account name, date of last activity, and account balance. This information seems to be misleading. This will need to be removed pronto. 
XXXX XXXX Balance : {$810.00} - This company has illegally re-aged this account. Please investigate thoroughly and delete for lawful accuracy. 
XXXX XXXX XXXX Balance : {$0.00} - I requested an investigation and the removal of the charge-off status. No changes were made. No investigation was conducted at all. You had optimal time to review this matter and make the appropriate corrections, you elected not to. Please remove this item immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have mailed out dispute letter to you guys with two forms of documentation and you guys always send a letter saying you need an ID. I purposely put my two forms of identification and the front to make sure it is seen. I have wasted a lot of money not to mentioned that my credit has been at risk from fraudulent accounts and unauthorized inquires. Could I please dispute the following as these account are not mine and these inquires were not authorized. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX IF THESE ACCOUNT COME BACK ACCURATE AND VERIFIED COULD I PLEASE GET A COPY OF MY WET SIGNATURE ON THE DOCUMENTS TO SUPPORT MY FRAUD CASE. 

ALSO, THERE ARE INQUIRES THAT WERE NOT AUTHORIZED BY ME. CAN I HAVE ALL INQUIRES THAT ARE NOT ATTACHED TO AN ACCOUNT REMOVED.
Product: Credit card or prepaid card

Chase has closed two of my business credit cards, the first business card was the ink preferred, and then i went to apply for the INK BUSINESS UNLIMITED and got approved so then when i got my card i went to the XXXX XXXX to purchased computers for my business to take advantage of the 12 months 0 % interest, During at the store i got declined and i called chase and every person i talked to couldn't give me an answer as too why my charges got declined, i was approved for a XXXX credit limit, that i couldn't use.I was getting transfer back and fourth to different people saying they couldn't access my account which was really odd. A week later i get a mail stating that both my accounts where closed. Its a business card there are going to be huge amount of purchase reason why i got a business card and not a personal card ....
Product: Checking or savings account

On XX/XX/ my checking account information was stolen and used to withdraw several XXXX dollars from my account. I did not receive any notification indicating that suspicious activity was taking place and found over 20 pending electronic withdrawals with amounts ranging from XXXX to XXXX dollars. I made a police report describing the unauthorized withdrawals and then called chase bank 's fraud department to make a claim. I informed them of the unauthorized withdrawals and they stated that will be receiving a call from their fraud department within 24hrs of the initial claim. I never received that phone call. I called back asking when I would be receiving the temporary credit and when the investigation will be finished. I got several different answers over the next three to four phone calls that I had to make due to their lack of effort and interest in their customers. Over the exchanges on the phone, I had stated the urgency of this being handled in a timely manner due to my plan of moving cross country in less than two weeks before the fraud had taken place. I needed that money so that I could make my trip and start my new job on time. It could not have been more difficult to get a consistent answer from the multitude of Chase Bank employees. Ultimately I received a credit for the money that had been taken from my account however Chase had stated that it is a temporary credit and that a member of the fraud investigation department would be contacting me. I never received that phone call. However, they did decide, without any notice, to reverse the credited money and not honor the claim that I had made. I intend to close my account with Chase Bank and let everyone I personally know that they do not have the customer 's best interest in mind when it comes to matters of fraud.
Product: Vehicle loan or lease

My initial car loan was with XXXX XXXX. 

I had automatic deductions from my bank account to pay every month so that I wasn't late. 

I got calls from XXXX XXXX stating that I should be paying them. I was suspicious because I am a victim of fraud that took place earlier in the year 2020. I asked them to provide proof that they in fact took over the assets of XXXX XXXX. They said that they didn't have to and if I didn't pay them they would come and pick up my car for nonpayment. 

I would like proof that I should be doing business with Westlake Portfolio Management before I make a single payment. 

I know of cases where someone started paying a new 'mortgage company ' for 10+ years only to find out they were a fraud. And instead of having a home that was paid off they are now in foreclosure. 

There are a lot of scams and any company that is legitimate should happily furnish proof. Because that's how proper business is done. 

I never received any email from XXXX XXXX saying that I should now be sending my payments to Westlake Portfolio Management. I have attached screenshots of my last payment deduction and last correspondence from XXXX XXXX. There is no indication that Westlake Portfolio Management now holds my loan.
Product: Debt collection

Atlantic Revovery Solutions has repeatedly called my family members and harassed me over a debt that I do not owe. I contacted the original creditor in the situation and they said that none of my personal information I provided them matches what that had on file. They said I was most likely a victim of identity theft. They also said that the account was closed at XXXX balance and that I should report Atlantic Recovery Solutions to the credit bureau. I want to make sure moving forward that this account that was not mine isnt going to be tied to me. The original Account was created with a different drivers license than was mine, a different email, and phone number, and a different address.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ( addresses, account, or inquiry XXXX XXXX XXXX XXXX, IL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX Balance XXXX XXXX {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX : XXXX XXXX XXXX XXXX 
;
Product: Debt collection

I have no knowledge of this account. It does not belong to me. I have reached out to the credit bureaus asking to remove this collection account.
Product: Debt collection

I was in the hospital of XXXX XXXX. located in XXXX De. I suffered XXXX ( XX/XX/XXXX 2009 ) at the time. 
XXXX XXXX requested an independent ( someone who is not assigned to XXXX XXXX XXXX XXXX XXXX XXXX XXXX assigned to my case. Prior to seeing XXXX XXXX, he called me on the telephone, where he became extremely rude and lets just say unprofessional. He followed that phone call up with a visit where I told him : " I do NOT want your services. '' I shared this with him prior to any verbal exchange when he came into my XXXX room. He persisted that he attend to me ; I let him know under no uncertain terms did I need nor want his services. He was fired. Despite my directive to him and the fact that this incident occurred 6 years ago, I found out recently that a XXXX dollar bill had been assigned to my credit report through XXXX XXXX XXXX XXXX. 
This collection agency is : A1 Collection Service XXXX XXXX XXXX XXXX. XXXX XXXX. XXXX, N.J. XXXXI feel this action is unjust and completely unwarranted. 
I do have documentation from XXXX that supports my claim and would be glad to submit that if needed. 
The phone number to XXXX XXXX 's office ( according to the internet ) does not appear to be working.
Product: Credit reporting or other personal consumer reports

subject : Demand for Immediate Removal of Charge Off and Violation of 15 USC % C2 % A7 1681c-2Dear Sir/Madam, I am writing to inform you that the 4 business days that you were given to block certain information in my credit report that I believe resulted from identity theft has passed, as per my rights under the Fair Credit Reporting Act, specifically 15 U.S.C. % C2 % A7 1681c-2.The following information is not related to any transaction or activity performed by me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXU - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX DEPARTMENT OF EDU XXXX XX/XX/XXXX According to federal law 15 U.S. Code % C2 % A7 1681c % XXXX  % 80 % XXXX  - Block of information resulting from identity theft : ( a ) BlockExcept 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, not later than XXXX business days after the date of receipt by such agency of % XXXX % 80 % XXXX I requested that these items be blocked from my credit report in accordance with my rights under the aforementioned law in a letter that reached you earlier last month : XXXX - XXXX Number XXXX - Delivered XX/XX/XXXX, XXXX - Tracking Number XXXX - Delivered XX/XX/XXXX, XXXXXXXX XXXXTransunion - Tracking Number XXXX - Delivered XX/XX/XXXX XXXXXXXX XXXXAttached to these letters were copies of the following XXXX. Proof of my identity [ describe the document you're using as proof of identity, such as a driver 's license or passport ] XXXX. A copy of the identity theft report, ( I have a Federal Trade Commission Identity Theft Report and/or a police report ) XXXX. A statement explicitly declaring that the disputed information does not relate to any transaction or activity performed by me.
Product: Credit reporting or other personal consumer reports

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
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
Product: Credit reporting, credit repair services, or other personal consumer reports

I am very concerned to find that your bank XXXX XXXX has pulled all three of my credit reports XXXX Equifax XXXX XXXX and I have absolutely no idea why you did that I havent done any business with your bank I did not give you permission to pull hard reports I didnt get information to pull any report so why on XX/XX/XXXX it looks like did you pull all three of my credit reports for no apparent reason?
Product: Debt collection

I WAS REVIEWING MY CREDIT REPORT AND WAS ALARMED BY THE FRAUDULENT ACCOUNTS AND INQUIRIES REPORTING. PLEASE SEE ATTCHED DOCS. 

PLEASE HAVE THE FOLLOWING ACCOUNTS DELETE ASAP XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Student loan

I wanted to make an extra payment to paydown the principal on my student loan. My autopay comes out the XXXX of each month. On the XXXX I logged into the AES website to make an extra payment of {$5000.00}. During the payment process I did not get the option to determine how i wanted my payment applied ( paid ahead vs paydown ). I only had the option of which loan ( I have XXXX ) to apply. Months ago I had spoken with another representative that told me I could make additional payments at anytime and it would not interfere with my autopay. Since this company lies after making the payment I emailed the company to confirm how my payment was applied and if my autopay was affected. I got an email back confirming that my autopay was not affected and that my payment was PAID AHEAD. I got this email on XXXX. I called on XXXX to ask why my payment was paid ahead and not processed as a payment. The rep told my I had to request paydowns IN WRITING THROUGH THE MAIL. It 's 2017. I should not have to request a paydown in writing. My XXXX other loan servicing companies do not request this. AES 's payment screen is both limiting and misleading. No where on the payment screen or in their payment processing conditions does it indicate that a paydown must be requested in writing. On XXXX links located on the payment screen AES indicates that this is the payment application : Accrued interest & gt ; Late fee ( if applicable ) & gt ; Current principal balance.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$800.00} XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$260.00} XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$130.00} XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$440.00}
Product: Checking or savings account

I am writing to file a complaint against navy federal credit union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions where authorized and even asking to close the account before certain transactions I was charged fees due to lagging posting of charges and credits. This issue aligns with recent cfbp findings against navy federal for similar practices where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation on my account. My navy federal checking account is now closed because the withdrawal and charges of over ten insufficient funds charged to it.
Product: Credit reporting, credit repair services, or other personal consumer reports

there is a credit inquiry which I did not authorize and is not my responsibility. this is the information that does not correspond to me : Date : XXXX XXXX Company : XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Request Originator
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX Balance Owed : {$27000.00} ; XXXX XXXX  Balance Owed : {$2900.00}
Product: Credit card or prepaid card

In late XXXX, I received an offer for a 3 % bonus on grocery and restaurant purchases made with my Barclays Upromise credit card through XX/XX/XXXX up to {$36.00}. I spent sufficiently to warrant the maximum reward. This was supposed to credit within 8 weeks, which would have been XX/XX/XXXX. Shortly after this, I asked customer service about it and was advised it should be on a future statement. 

I've revisited this issue several times in the months since, by message, by phone, and by chat with a customer service representative. I've consistently been advised that I qualified for the {$36.00} bonus rebate, but have consistently been advised that it would credit in a few weeks or card statements, yet it has never credited.
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing to file a formal complaint and dispute regarding collections, incorrect name, closed accounts and incorrect addresses that have been reported inaccurately on my credit report. I believe that the collection agency responsible for these entries has violated consumer laws and regulations, including those outlined in the Consumer Financial Protection Bureau ( CFPB ) guidelines and the Fair Credit Reporting Act ( FCRA ). 

Violations of Consumer Laws and Regulations : 1. The collection agency has failed to provide validation information as required by 12 CFR 1006.34 ( b ) ( 5 ) before reporting the collections on my consumer report.

2. I have not been given an opportunity to dispute the accounts in accordance with 12 CFR 1006.34 ( c ) ( 40 ) ( i ), which grants consumers the right to dispute inaccuracies.

3. The collection agency 's actions amount to false, misleading, and deceptive practices, violating consumer rights as per the laws and regulations governing fair debt collection practices.

4. The collection agency has furnished accounts to consumer reporting agencies without providing the necessary disclosures, violating 12 CFR 1006.34 ( d ) and 15 USC 1681-S 2 ( 7 ) ( A ).

Requested Actions : 1. Remove the collections and closed accounts listed above from my credit report immediately.

2. Cease all communications with me via text, calls, and emails, as I am revoking any prior consent for such communications.

3. Provide validation of the debts, including the purchase agreement between the collection agency and the creditors.

4. Furnish proof of the collection agency 's licensing and bonding status.

I expect a thorough investigation into these matters and a written response within 30 days, as per regulatory requirements. 

Additionally, I request that this complaint and dispute be forwarded to the respective credit bureaus for their review and corrective action. 

Thank you for your attention to this matter. I look forward to a swift resolution and the removal of these inaccuracies from my credit report. 

Respectfully, XXXX XXXX XXXX
Product: Debt collection

XXXX XXXX XXXX along with XXXX XXXX XXXX is the companies I am complaining about. Twice I have been turned over for collection for a debt that had been paid. I have been unable to work with XXXX XXXX XXXX as they are abusive and uncooperative. Upon receiving a letter for the collection of a supposed debt to XXXX XXXX XXXX, I called the company to explain that this debt had been paid within weeks of receiving the bill from XXXX and that it had been paid several months ago. I told them I would obtain proof and provide it to them but they kept insisting I owed the money and must pay it at the time. I was even told " if you paid your debts you would not be in collection ''. I got the proof of the canceled check and called again to tell them I would send it but the reprehensive would not listen and kept insisting I need to pay it NOW. I ask to speak to a supervisor, who of course was not available but would call back. The call back simply left a message that they would be taking legal action against me. 
My complaint is the abusive language and repeated harassing phone calls which have followed and the refusal to even consider that I might have proof of payment. I am filing this complaint with the Federal Trade Commission, the XXXX XXXX XXXX XXXX, the Arizona States Attorney General, and the Better Business Bureau.
Product: Credit reporting, credit repair services, or other personal consumer reports

A collection agency by the name of XXXX XXXX XXXX, inaccurately reported an account on my credit report. I have had no such business dealings with this company and am therefore asking Equifax and XXXX  to remove this inaccurate account information immediately due to identity theft. This has caused a hardship on my report and needs immediate investigative action.
Product: Credit reporting, credit repair services, or other personal consumer reports

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.

1.Validate Account XXXX XXXX XXXX  Account Number : XXXX : 2.Validate Account XXXX XXXX XXXXXXXX Account Number : XXXX 3.Validate Account XXXX  Account XXXX, XXXX Account XXXX Validate Account XXXX  Account XXXX 6. Validate Account XXXX XXXXXXXX Account XXXX Validate Account XXXX Account NumberXXXX Validate Account XXXX Account Number : XXXX Validate Account XXXX Account XXXX Validate 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 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 item 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: Credit reporting or other personal consumer reports

I am urgently requesting your immediate attention to a critical matter : I have been a victim of identity theft, resulting in a fraudulent account and being added to my credit report without my knowledge or consent. 

ACCOUNT [ XXXX XXXXXXXX XXXX XXXXXXXX ] Despite numerous attempts to contact the credit bureau to resolve this issue, I have received no response or action. I have already filed an official identity theft report with the Federal Trade Commission ( FTC ), and I am now urging the swift removal of this unauthorized item to restore the accuracy of my credit report.