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

Account closed with Chase via phone with account services XX/XX/XXXX. 

During the above call the balance was to be mailed and rcvd in 7 business days. 

Called account services to follow-up XX/XX/XXXX as I had yet to receive the check. 

Representative advised I needed to visit the branch as the check must have been lost. 

Visited the branch XX/XX/XXXX and XXXX XXXX called account support and they advised her the check had yet to be mailed. Branch manager engaged and advised there was no need for me to wait at the branch he would call and follow-up with me that afternoon ( XX/XX/XXXX ). 

I have yet to hear from anyone at the branch. 

Called account services XX/XX/XXXX. Rep indicated there are no notes on the account. Call was escalated and they advised they will need to cancel the check and re-issue and I will need to go back to the branch. It is a constant bounce back and forth when no resolution in sight.
Product: Credit reporting or other personal consumer reports

This is my second request to dispute the XXXX XXXX  and XXXX charge-off accounts, as they are reporting inaccurate and incomplete information. The account details are : Creditor Name : XXXX XXXX  Account Number : ( private ) Creditor Name : XXXX Account Number : ( private ) Upon reviewing my updated credit report, I found the following inaccuracies : 1. The charge-off is reported with multiple late payments post charge-off, which is redundant and misleading. A charge-off already indicates the account is delinquent, and further late payments are inaccurate.

2. Inconsistent dates of delinquency and charge-off compared to other credit bureaus, violating FCRA 607 ( b ), which requires maximum possible accuracy.

3. Reporting patterns that appear to re-age the account, violating federal law and unfairly extending the statute of limitations.

These inaccuracies not only violate FCRA 611 ( a ) ( duty to investigate ) but also cause significant harm to my credit profile. If you can not obtain verifiable documentation from XXXX XXXX  and XXXX to correct these discrepancies, this account must be removed under FCRA 611 ( a ) ( 5 ). 

I am requesting you provide me ALL information used for your investigation, as required by FCRA 611 ( a ) ( 7 ).

If you are unable to conduct a reasonable investigation or can not locate the necessary documents to address my disputes, you are obligated by the FCRA to remove the negative information from my credit reports, which may include the complete removal of the account. Additionally, the FCRA mandates that this misinformation should be permanently blocked from any future reporting attempts by your company or any related entities.
Product: Mortgage

I have written you twice. Chase finds ways out of re fi because I will be paying more in XXXX. the latest trick is " send us military XXXX letters after XX/XX/2006. I mean really. I am almost XXXX years old, was XXXX during the XXXX war, had XXXX, and have always paid on time. I got into this loan with XXXX and I did not know they sold me a non XXXX or XXXX loan. Now I am paying. I mean really, XXXX at XXXX years old? The Army never does that.
Product: Vehicle loan or lease

I took a loan out for {$15000.00} approximately in XX/XX/XXXX. The car payments were being made automatically out of my checking account. 

In XXXX I'm told that I'm being sued from credit acceptance XXXX XXXX XXXX XXXX XXXX, XXXX, MI XXXX through XXXX XXXX XXXX in XXXX XXXX XXXX XXXX XXXX, XXXX, WI XXXX I told XXXX XXXX XXXX that I wasn't aware the payments were not being made. Granted I should balance my checking, but I know the amount of money approximately going on so I know I'm safe. 

I never received any notices from credit acceptance stating they were going to repossess the car so I was confused. XXXX XXXX XXXX set me up on a payment plan for {$650.00} s month. I told them that amount was too much they said that was all they could do. I wasn't able to come up with the {$650.00} however the next month I post dated a check for {$650.00} to catch up. 

{$650.00} is too much but I was forced that amount for payment. Now my case has been reopened. 

I wasn't treated right by credit acceptance when I tried explaining the situation. I never received any paperwork from credit acceptance. Upon my own investigation I found out that credit acceptance used my insurance agents address for my address. This would explain why I wasn't getting paperwork from credit acceptance corporation. If I was that far behind on my car payments then I would have received a car repossession. I haven't used XXXX XXXX  in XXXX XXXX for my insurance in years. I can't help that the loan was set up with the wrong address. 

Please help me. It's not right that a company can say they tried contacting you and sent you multiple letters when they entered the wrong address in their system from the start of the loan. Then years later they lie and say they sent me letters.
Product: Credit reporting, credit repair services, or other personal consumer reports

IN accordance with the fair credit reporting act.. The last of account below has violated my federally protected consumer rights to privacy and confidentiality under 15 u.s.c. 1681 Account Name XXXX XXXX XXXX Account number # XXXX XXXX Account Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Name XXXX XXXX XXXX Account number # XXXX. Has violated my rights 15 U.S.C 1681 section 602 A. stat 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 instruction.

15 U.S.C 1681 C. ( A ) ( 5 ) section state : 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 conviction 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 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

I logged into my Experian account today to obtain a copy of my 3 bureau credit report. I saw a lot of information on there that does not belong to me. Information I have no knowledge from where it came from. I don't know any of these companies and i have never received any form of goods or services from them. My personal information was used without my permission or knowledge. I am a victim of identity theft and I am taking steps to protect my identity and prevent this from happening again by filing this police report. This is the fraudulent information listen in my credit report ; It ranges from Fraudulent Closed Accounts to Fraudulent Collection Account, Fraudulent Inquiries and Fraudulent Addresses : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX   XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX   XXXX XX/XX/XXXXXXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX   XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX   XX/XX/XXXXXXXX XX/XX/XXXX XXXX XXXX   XX/XX/XXXXXX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX
Product: Credit reporting

I am a victim of identity theft and fraud, There are a lot of fraudulent accounts and inquiries listed on all three of my credit reports ( Experian, XXXX and XXXX ). As well as my child support account being listed as behind, when I am current on my monthly payments.
Product: Credit reporting or other personal consumer reports

A Charge off are considered a certificate of indebtedness, and it is considered income. INCOME can not be reported on a credit report According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information.
Product: Other financial service

I bought a money order from XXXX XXXX to pay a bill. When I found out that the payment had not been credited, I traced the money order and found out it had been stolen and cashed, and that the thief had changed the name of the payor and the payee. I filed a police report and completed all the paperwork XXXX XXXX asked for in order to get the money order replaced. Then XXXX XXXX sent me a letter saying they had filed a claim on my behalf with the Bank of First Deposit ( Bank of America ) and that Bank of America had not responded, so XXXX XXXX was closing their investigation and that I should contact Bank of America. I contacted Bank of America, but they said it had nothing to do with them and that I had to go back to XXXX XXXX. When I did, XXXX XXXX told me I had to go to Bank of America.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following accounts and information. Block and remove it. Please also send me a copy of my updated report with the updated result of your investigation. These inquiries should also be removed. 
XXXX Inquiry Date XX/XX/2022 XXXX Inquiry Date XX/XX/2022 XXXX Inquiry Date XX/XX/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed still 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 are found to be opened due to identity theft. The disputed items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX ; XXXX, XXXX, MI ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/2022 ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX GA XXXX XX/XX/2022 ; XXXX SELF-REPORTED XXXX Balance : {$13.00} ; XXXX SELF-REPORTED XXXX Balance : {$200.00} ; XXXX SELF-REPORTED XXXX Balance : {$8.00} ; XXXX XXXX Balance : {$13000.00} ; Medical XXXX Balance : {$160.00} ; XXXX XX/XX/2022 ; XXXX XX/XX/2022
Product: Debt or credit management

I have been denied Numerous services due to inaccurate Credit reporting and Bad credit. From Banks to personal loans, Auto loans, Credit Cards.Employment,
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been found out that you are not REMOVING files 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 legalized response. In the event that you decide to not DELETE the accompanying things recorded beneath which are responding improperly because of fraud, I will hand my archives over to my lawyer to begin a lawful process. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX 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

Subject : Urgent Notice Regarding Unlawful Credit Reporting - Missouri FCRA and Identity Theft Fraud Laws Referenced Dear DAY KNIGHT, I am compelled to address a grave violation concerning the unauthorized dissemination of my personal credit information to reporting agencies, a clear breach of the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), as well as the Missouri Identity Theft Prevention Act, specifically 570.223. 

It has come to my immediate attention that DAY KNIGHT, Account Number : XXXX, has engaged in such unauthorized reporting without procuring my explicit consent. It is imperative to underscore that under federal law, as delineated in the FCRA, the consumer 's consent is an absolute prerequisite for any such reporting activity pursuant to Section 1681b ( a ) ( 2 ).

Furthermore, Missouri state law, particularly the Missouri Identity Theft Prevention Act, underscores the gravity of unauthorized access and misuse of personal information, emphasizing the necessity of explicit consumer consent. 

I wish to unequivocally affirm that I have not provided consent for DAY KNIGHT, Account Number : XXXX, to disseminate any information to my credit report. This flagrant absence of explicit permission constitutes a severe violation of my rights, potentially compromising my creditworthiness and displaying a blatant disregard for federal and state laws. 

I demand, with the utmost urgency, that DAY KNIGHT, Account Number : XXXX, immediately cease any further dissemination of my personal credit information to reporting agencies without procuring my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and the Missouri Identity Theft Prevention Act. Failure to comply within the stipulated 30-day timeframe will be construed as deliberate noncompliance, subject to penalties under applicable laws, including identity theft fraud laws. 

It is imperative to understand that procuring consent is not a discretionary action but a legal obligation under these specific provisions of the FCRA, Missouri state law, and identity theft fraud statutes. This is not a negotiable matter ; it is a directive for adherence to both federal and state regulations, safeguarding consumers like myself from unauthorized and injurious credit reporting practices. 

I anticipate your immediate attention to this matter and trust that DAY KNIGHT, Account Number : XXXX, will expeditiously rectify these egregious violations, upholding my rights under federal and state laws. 

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

On XX/XX/2023 I sent correspondence to Equifax in regards to myself being a victim XXXX XXXX this reporter agency had four days to comply and remove the items described in the correspondence sent. There has yet to be any corrections made by blocking harmful information and it is apparent that the company, Equifax, are willfully and intentionally allowing my suffering to continue and are causing harm to me and my family, they are clearly in violation of federal law, and as federally protected, consumer, I demand the action to be taken and corrections to be made this is not a matter to be taken lightly. It is the responsibility of the CFPB to enforce our rights as consumers and protect our interest. Please assist me in obtaining believe I shall. I shall be reaching out to federal authorities and plan to request a full Audit against the company for being accomplices to my pain and suffering, as I attempt to move forward with my life.
Product: Credit reporting, credit repair services, or other personal consumer reports

Back in XX/XX/2019 I was experiencing issues with my mail not being delivered. As a result I never received my XX/XX/2019 statement from XXXX. They in turn reported me as being 30 days late to the credit bureaus. When I became aware of the issue I contacted XXXX several times to try and rectify the issue. I spoke to a manager XXXX XXXX, she advised me that I should obtain proof of this incident from my postmaster and fax it back to her. I was able to obtain the proof and have been attempting to rectify this issue with XXXX. I have faxed the letter 3 times as requested and they refuse to accept the letters as proof.
Product: Checking or savings account

On XX/XX/XXXX, I went to the Chase ATM at XXXX XXXX XXXX and withdrew {$60.00}. As I walked away about XXXX I received a text message from Chase asking if I attempted t take {$400.00} out on. my card ending in. XXXX. I replied " NO '' and was send a new card. I then on XX/XX/XXXX called and formally. altered t this fact bc I had not seen the reversal. I filed the complaint. On. XX/XX/XXXX Chase determined that. my claim. was false and that they have determined in their investigation. that bc it was a tap withdrawal and I had my card-I was the one that. took it out. This is NOT the case and I explained this to chase and they. refuse to accept the screen shot from XX/XX/XXXX @ XXXX when I stated I was a victim of fraud. 

As per the news search chase has had MANY of its customers a victim of these scams where our chip/bluetooth signal is compromised and money is stolen from accounts.
Product: Debt collection

I paid the debt in full on XX/XX/2019. I was told it would take a up to a month to remove the derogatory mark on my credit. I have waited patiently and yet the mark still remains. I need this mark removed as soon as possible!
Product: Debt collection

Nation Wide Recovery Sy, has reported damaging information about my credit to XXXX Credit Report Agency, for the second time, with the intention to damage my credit history, and my credit score. I've already disputed them twice. In conclusion, I've contacted and spoken to XXXX XXXX XXXX XXXX, XXXX, and to XXXX XXXX XXXX XXXXXXXX, Washington , D.C., and they both stated to me, that my medical insurance paid them in full, starting in 2018.
Product: Credit reporting

equifax is reporting incorrect information. it is preventing me from obtaining a student loan for my child. XXXX and XXXX are reporting correctly and i have letters from the companies that everything is paid. i have no delinquencies. equifax is refusing to send me a copy of my credit report. so i can dispute this
Product: Debt collection

I moved from XXXX XXXX XXXX in XXXX. I was never notified by mail, phone, or email that I owed money from the unit XXXX I subleased to someone living inside the apartment. XXXX XXXX sent me to the collections bureau, I disputed their claims, and it was taken off my credit report. It is now XXXX, I have a living wage working in Real Estate with XXXX XXXX XXXX, and XXXX XXXX waited until now to file a lawsuit against me for wage garnishments. The court case was for XXXX and I did not receive the lawsuit letter until XX/XX/XXXX... so I could not defend myself against their negative action. 

Instead of given the unit shown during the rental tour, they placed me into XXXX that had bad living condition. I emailed the intent to vacate and found a sublease to take over the unit, turning in my keys to their corporate office off XXXX XXXX in XXXX. The most recent court case filed against me in XXXX has false information, to collect amount not owed, and also the wrong Social Security number filed on that case. XXXX XXXX XXXX has a disciplinary action against them. To me, in my honest opinion, it feels like discrimination and harassment.
Product: Credit reporting

Apparently I had a XXXX XXXX XXXX credit card from a decade ago that had an unpaid balance and was charged off. When I applied for a XXXX home equity loan, I was rejected because of this charge off at XXXX XXXX XXXX, of which I was completely unaware. I paid the charge off amount of {$280.00} immediately on XX/XX/XXXX 2017 and have been trying to get the item to reflect a zero balance of my credit report. XXXX said I had to get it removed from my credit report - they could n't call across the bank to confirm ( XXXX credit card, paid from a XXXX checking account ). I faxed to Transunion proof this was paid off on XX/XX/XXXX - they could n't read the fax. I refaxed the information on XX/XX/XXXX Transunion claims they ca n't clear the account without approval for XXXX - XXXX credit card department said they updated my report on XX/XX/XXXX If I do n't have this resolved by XX/XX/XXXX, I look a special introductory interest rate because Transunion wo n't be proactive, and XXXX wo n't look between departments to see the issue is resolved. How is it the organization controlling one of the only XXXX bureaus in this country only allows disputed documents via FAX or MAIL. Is this acceptable way to do business when documents should be scanned and emailed to avoid these type of unnecessary delays. Please help.
Product: Debt collection

At all times relevant to this complaint, Budget Control Services , Inc. aka BC Services , Inc. ( hereinafter referred to as BC ), who has a principle place of business located at XXXX XXXX XXXX XXXX, XXXX . XXXX, XXXX, XXXX  XXXX violated Fair Debt Collections Practices Act.

BC alleges, claims and affirms through execution of a signed and sworn affidavit that XXXX was duly and properly served pursuant to C.R.C.C.P. Rule 304, concerning service of process of : Summons ; Complaint under Simplified Civil Procedure ; and Answer Under Simplified Civil Procedure. 

b. XXXX XXXX, who was acting as representative for and on behalf of BC alleges service of process was executed on XXXX on or about XX/XX/XXXX around XXXX XXXX hours. XXXX XXXX also claims to be a process server, and swore under oath, executed and signed a jurat,  under penalty of perjury, that he personally served XXXX at his place of residence. 

c. XXXX challenges and responds that this never happened. Not only this but XXXX was unaware of these proceeding until recently XX/XX/XXXX, but also the reason for such a claim. 

d. XXXX further contests this service of process as improper service as fraudulent, and not ever happening, and further asks this court to throw out said service of process. 

1 XXXX wishes to press charges for perjury ( falsifying a jurat ) against XXXX XXXX for lying under oath on an Affidavit. 

2 BC alleges in its complaint that XXXX had an unpaid medical balance of {$700.00} filed on XX/XX/XXXX. This issue was not brought to Schmidts attention until XX/XX/XXXX well over 1 year later. BC appears to be attempting to unjust enrichment from the interest as well as other fraudulent expenses. 

3 Also, worthy to note is the fact XXXX wrote a letter to BC asking for itemized billing statement on XX/XX/XXXX, claimed debt was $ XXXX their response it now shows an unpaid balance of {$250.00} with costs. XXXX has never made a payment to BC. 

4 Furthermore, XXXX has already satisfied this account by settling the outstanding debt in full at the doctors office prior to a XXXX performed in XX/XX/XXXX by the same medical staff. XXXX believes there is no debt left on this medical incident. 

5 XXXX recalls only one incident in which there was any legal issue in the entire fiscal year of XXXX. There was a subpoena issued by Colorado XXXX XXXX XXXX. Thusly, XXXX contends this case is based on fraudulent acts as XXXX has been in and out of hospitalizations from XXXX through XXXX on numerous occasions for medical XXXX  and treatments. 

6 XXXX will seek other legal remedies against BC and XXXX XXXX regarding this matter. Violation exist under FDCPA, Fair Debt Collection Practices Act, as well as other violations. 

Fraud, negligence, perjury. I never given an opportunity to argue my side, they claim I still owe but now a different amount, I've never paid them a dime, my account I already paid the vendor. There legal process server falsified ( perjured ) an affidavit. Service was more than a year ago from date of service before they notified me in writing.