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

XX/XX/18 I woke up to an alert ; my credit score dropped 50 points. I went to look and it was chase credit card. Im on there repayment program. Ive been on it for years and never had a problem. When I talked to them they claimed they called and sent a letter about continuing with the program. I dont have one single voicemail from chase. Also, I never received a letter from them. They say they didnt get any return mail but that doesnt mean anything. Ive been working for over 20 years in XXXX and Ive seen payments that were supposedly mailed out. Yes, the payment was actually mailed out when they told us and showed up months later. No one knows what happens once mail leaves our hands. Plus, we all seen what some postal workers do with mail they need to deliver. Im not saying that they didn't mail out a letter but just because there was no return doesnt mean I received it. Mail gets coded wrong all the time by the post office and ends up some where else. You would think people would put the wrong mail right back in the mail to be delivered correctly but this doesnt happen all the time. Mail also gets stuck in postal machines in the post office. There is many things that can happen. Also, why didnt they leave a voice message? I would had called back for this is my credit we are talking about. Also, for Chase to tell me it was up to the customer to call back every 12 months to continue the program is not true. Ive always received phone calls from Chase asking if I wanted to continue. 
Ive paid this account in full after trying to talk to them. 
I need Chase to be fair and take things into consideration. I need that late payment taken off my reports.
Product: Credit reporting or other personal consumer reports

Wrong information on personal information. Wrong names. My middle name is XXXX they have my name with a middle inital XXXX Also has my last name spelled incorrectly my last name is spelled XXXX. I have a father, brother and cousin with the same name but different middle name so I need my report corrected. There is an inquiry for preferred credit and XXXX. I never gave these companies permission for inquiries. I used to have a XXXX account but that was several years ago. I have a social security number that is not mine on my personal information. Last digits of my social security number are XXXX. I believe there are probably so many errors on my account other than the ones stated in this complaint due to having many family members with the same first and last name.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is submitted for consideration as I have not received a response to my recent letter reference erroneous entries contained within my consumer credit profile at the Equifax, XXXX and XXXX consumer reporting agencies. These entries as currently reported are erroneous in nature and otherwise injurious to my true credit worthiness. Prior to initiating litigation in the United States District Court for the XXXX District of Florida, I once again request assistance. Should my complaint continue to be ignored, I will seek counsel and initiate litigation to compel correction of my consumer credit profile. 

Pursuant to the provisions contained within sections 1681i ( a ) ( 1 ) ( A ) and 1681i ( a ) ( 5 ) ( B ) ( i ) of the Fair Credit Reporting Act, I request that the below listed entries be investigated for accurateness and thereafter deleted from my consumer credit profile as they are erroneous in nature and otherwise injurious to my true credit worthiness. Since my last dispute, I have written to all collectors/creditors. Most of these creditors have responded favorably. Please investigate ALL of my concerns. 

1. ) XXXX XXXX XXXX, account number XXXX ; 2. ) XXXX, account number XXXX ; 3. ) XXXX, account number XXXX 4. ) XXXX, account number XXXX 5. ) XXXX XXXX, account number XXXX 6. ) XXXX XXXX XXXX XXXX XXXX, account number XXXX ; 7. ) XXXX  XXXX, account number XXXX ; 8. ) XXXX XXXX XXXX, account number XXXX ; 9. ) XXXX, account number XXXX ; 10. ) Bankruptcy, case number XXXX ; 11. ) Bankruptcy, case number XXXX ; 12. ) Bankruptcy, case number XXXX ; 13. ) Bankruptcy, case number XXXX 14. ) Federal Tax Lien, {$170000.00} Please be reminded that pursuant to the provisions contained within section 1681i ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act, your agency has an affirmative responsibility to investigate my allegations. Furthermore, following deletion and/or correction of the erroneous entries, said information may not be reinserted in the file without a certification that said the information is complete and accurate.

Upon completion of the reinvestigation process, and pursuant to the provisions contained within section 1681g ( c ) ( 1 ) of the Fair Credit Reporting Act, I request a full and complete summary of rights with disclosure be provided for my records and review.

Your anticipated cooperation on this matter is appreciated. I look forward to hearing from your office within the next 30 days.
Product: Credit reporting or other personal consumer reports

I have Unauthorized Inquires on my credit report that i did not authorized. I am a victim of identity theft. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 want to let the credit bureaus know that I was a victim of identity theft and that I want these bogus items that are the product of suspected identity theft removed from my credit report. Credit bureaus are obligated to REMOVE any items identified in identity theft in accordance with FCRA 605B ( 15 U.S.C. 1681c-2 ). Here is the list of things I wanted to get rid of, once more. 
XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXXXXXX Balance : {$390.00} ; XXXX XXXXXXXX Balance : {$290.00} ; XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$2600.00} XXXX XXXX XXXX XXXX Balance : {$930.00} ; XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX  XXXX Balance : {$1600.00} ; XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$710.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX XXXX A ) XXXX Balance : {$610.00} ; XXXX  XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$470.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1300.00} ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX
Product: Debt collection

"  XXXX  '' from Nissan Motor Acceptance Corporation called me on  XXXX   XXXX ,  2017  initiating the call at  XXXX   XXXX  registering on my voicemail at  XXXX . He called me on my cell phone that is registered with them and caller ID registered him as calling from  XXXX   XXXX   XXXX .   XXXX  I have been having a hard time keeping up on my bills since I have been hospitalized so many times the past year and in  XXXX  of last year  XXXX  did the same thing to me! My area code and physical location are both in California-I have not been traveling,  Nissan  broke the law again in calling me before  XXXX .
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I received my tax return from the IRS and on XX/XX/XXXX i got an email saying that my account was suspended and to send my ID so they could verify my identity. I did that, then a day or 2 later I get and email saying, thank you for sending your ID but we have permanently XXXX your account and will hold the funds for 180 days! No reason, no explanation just said a user agreement violation. I have sent them pictures of my ID, me holding my ID and proof that the deposit id from my tax refund. I get another email XX/XX/XXXX saying not to reach back out they will not answer any further questions. I have no idea what I did besides send some money to my nieces on Venmo to their accounts. I just want my money released. This has put me in a very very bad living situation financially. That money is all that i have. I have attached the same documents I sent to Venmo when they banned me! Please help!
Product: Debt collection

I, XXXX XXXX, give authorization for CREDIT COLLECTION SERVICES to move forward with this complaint. 

THE COMPANY " Credit Collection Service '' HAS MAILED CORRESPONDENCE IN THE STATING I OWE THEM IN THE MAIL AN ALLEGED WITH Credit Collection Service. THEY HAVE PURCHASED A DEBT WITHOUT ME BEING INVOLVED IN THE TRANSACTION. Credit Collection Service HAS CREATED A DUPLICATE ACCOUNT. PURSUANT TO 15 U.S. CODE 1692E. False or misleading representations. USC 1692 Notes a debt collector may not use any false, deceptive, or misleading representations or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section ( 1 ) The false representation or implication that the debt collector is vouched for, bonded by, or affiliated with the United States or any state, including the use of any badge, uniform, or facsimile thereof. ( 2 ) The false representation of ( A ) the character amount, or legal status of any debt; or ( B ) any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt. ( 3 ) The false representation or implication that any individual is an attorney or that any communication is from an attorney. ( 4 ) The representation or implication that nonpayment of any debt will result in the arrest or imprisonment of any person or the seizure, garnishment, attachment, or sale of any property or wages of any person unless such action is lawful and the debt collector or creditor intends to take such action. ( 5 ) The threat to take any action that can not legally be taken or that is not intended to be taken. ( 6 ) The false representation or implication that a sale, referral, or other transfer of any interest in a debt shall cause the consumer to- ( A ) lose any claim or defense to payment of the debt; or ( B ) become subject to any practice prohibited by this subchapter. ( 10 ) The use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion Fraudulent Account XXXX XXXX XXXX  Account # XXXX Fraudulent Inquiries XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXe XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

my credit report dropped 40points over a deliquency account that I have made an attempt to paid off already but XXXX XXXX XXXX wont take my legal instruments as payment. I demand to the late payment history, the deliquency account, and bad payment history removed asap from my credit report. I have sent a 1099a and a coupon that was sent to my home for wtv they said i owe yet XXXX keeps reporting innacurate info to my credit. I would attach them but i cant attach anything over 10mb. I attached however a copy of the template i sent to XXXX demanding to validate the debt.
Product: Credit reporting or other personal consumer reports

This is my second time writing for these companies to update my personal information on all my credit reports. 
15 USC 1681 ( a ) ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : 1. My Full Legal Name : XXXX XXXX XXXX. 
XXXX. My Address : XXXX XXXX XXXX XXXX, XXXX, FL, XXXX Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with the one above. 
I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. 
Delete all information in the employer section. 
Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections. 
Please send an updated credit report once the changes are complete to my contact information listed.
Product: Debt collection

XX/XX/2023 I received a letter via email from Hunter Warfield trying to collect on an alleged debt from XXXX XXXX XXXX XXXXXXXX. On XX/XX/2023 I sent a letter via certified mail asking for verification of the debt and giving notice that I would be disputing the debt. I have not received a response to the letter but I have received two letters via email on XX/XX/XXXX and XX/XX/XXXX trying to collect on the debt. I have also received several calls, the most recent XX/XX/XXXX. 
*Note there are two certified mail receipts pictured. One was for mine and one was for XXXX XXXX who is also responsible for the debt and sent a verification request letter. I am not sure which was for which letter. Also the copy of the letter attached was the letter before being printed and signed.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of the accounts listed below, as I am a victim of a recent data breach. Pursuant to my rights under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting that these accounts be removed from my credit report to prevent potential fraudulent activity. 
Accounts to be Blocked and Deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

On XX/XX/XXXX a purchase was made for {$6000.00} for the merchant XXXX on my XXXX XXXX XXXX XXXX XXXX credit card. This merchant appears to be the university XXXX XXXX. I live in Texas and have never been to XXXX, this is clearly fraud. I contacted the company to report this by phone numerous times ( hard to recall how many, but it was at minimum 4 times ). Each time they told me they would investigate and call me back, but I don't recall getting any calls back. I ended up closing the account because I was afraid of more fraudulent transactions. I called again on XX/XX/XXXX to inquire into the investigation. This time they say that the transaction was made by my son, and that I am liable for the charge. This is also ridiculous, my son has never even been to XXXX. He also had no access to my card at the time, not to mention he would never do this in general.
Product: Credit reporting or other personal consumer reports

I am contesting the presence of inaccurate personal information on my credit report. The following information does not pertain to me, and I have no association with it. I request the immediate removal of this information from my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested to have carmax auto finance account updated on my credit report with XXXX and it was not updated in a timely manner. I initially requested update on XX/XX/2021. I sent a XXXX balance letter 3 times and no resolve. I was told that they were never notified of the pay off but XXXX updated my report the next day. Please help me because I am trying to get a car and Im spending {$40.00} a day on XXXX rides to get to work.
Product: Credit reporting, credit repair services, or other personal consumer reports

Did not ask for these companies to inquire on my credit. No credit was offered to me, and I did not submit consent to these companies to inquire on my report.
Product: Checking or savings account

I went to open an account at another bank XXXX XXXX They declined me because of error at an old bank I was unaware of until I inquired about the issue. Apparently someone tried to charge something to my forrmer account which had a balance of {$17.00}. First National Bank of PA declined the charge and charged fees on the overdraft. I called them today and they referred me to some collection agency where they placed the charges. I called them twice and they cut me off.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went through all the steps on XXXX to obtain my free credit report from Equifax. It has been several years since my last request, so I am clearly eligible. However, after going through all of the verification process on the Equifax website ( ported from XXXX ), the result was " Online Delivery Unavailable '', and I was directed to complete and mail in some form, with several attachments to " verify identity ''. This is XXXX and effectively excludes me from obtaining my government mandated free credit report. I'm sure that any potential creditor requesting my credit report from Equifax would obtain it instantly ( otherwise, Equifax would be out of business ), so this is clearly discrimination  between " paying customers '' and myself as a member of the general public - a disparity the law was intended to correct.
Product: Checking or savings account

The company suddenly closed my accounts without notice beforehand or after. They suspended my XXXX brokerage accounts and denied me access to my records offline and online. I called several times requesting the documents be mailed to me and a valid reason for closing down my accounts, the representatives essentially just hang up the phone after saying they could not access my accounts since they have been closed. Without any reason or notice they closed my accounts and kept my records. I have to file my taxes and without those I can not do so because I will run afoul to the IRS. I am appalled at the level of incompetence and rudeness of those people.
Product: Debt collection

Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request validation of the debt AD ASTRA RECOVERY SERVICES INC says I owe them. I am requesting proof that I am indeed the party AD ASTRA RECOVERY SERVICES INC has a debt with and that I have a contractual obligation to them that is binding legally in the court of law to pay them money. This is not a request for VERIFICATION or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec.809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you AD ASTRA RECOVERY SERVICES INC. At this time I will also inform AD ASTRA RECOVERY SERVICES INC. that if there offices have or continue to report invalidated information to any of the three major credit bureaus ( XXXX, XXXX, XXXX  ), this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark continues to be found or reported to any of my credit reports by AD ASTRA RECOVERY SERVICES INC. I will not hesitate in bringing legal action against AD ASTRA RECOVERY SERVICES INC for the following : Violation of the Fair Debt Collection Practices Act and Defamation of Character. My consumer rights attorneys and your legal staff will agree that non-compliance with this request could put AD ASTRA RECOVERY SERVICES INC in serious legal trouble with the FTC and other state or federal agencies. If AD ASTRA RECOVERY SERVICES INC is able to provide the proper documentation as requested in the following declaration which is A SIGNED CONTRACT BETWEEN MYSELF AND AD ASTRA RECOVERY SERVICES INC, I will require 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my attorney to file suit. This includes any listing of any information to a credit reporting repository that could be inaccurate or invalidated. If AD ASTRA RECOVERY SERVICES INC fails to respond to this validation request by not showing a signed contract between myself and AD ASTRA RECOVERY SERVICES INC within 5 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. It would be advisable that AD ASTRA RECOVERY SERVICES INC assure that your records are in order before I am forced to take legal action. DEBT COLLECTOR DECLARATION Please provide the following : Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay AD ASTRA RECOVERY SERVICES INC. Any insurance claims that have been made by any creditor regarding this account. BILL OF SALE - WHICH IS THE AMOUNT AD ASTRA RECOVERY SERVICES INC PAID TO OBTAIN THE ALLEGED DEBT!
Product: Debt collection

I contacted General Services Bureau on XX/XX/2019 concerning a medical debt that I had been paying off. I called to confirm the amount owed on the debt. While on the call I was notified that there was another medical debt that the company had on filed that remain unpaid. I was unaware of this debt and have not been provided any notification regarding this debt. The customer service contact provided me some basic information and it was at this time that I requested more details to verify the debt owed. I informed the customer service agent that I currently reside outside of the U.S. and was informed that they couldn't send mail outside the U.S. I then requested for the information to be emailed to me which I was told that the company does not send emails or faxes. I requested to speak with a supervisor. I was transferred to a supervisor by the name of XXXX. I informed XXXX that I was unaware of this debt, that I was disputing the debt, and that I was requesting additional information. XXXX informed that they couldn't provide me any information to an international address. I informed XXXX that under FDCPA I have a right to request this information. He indicated that the FDCPA doesn't mandate that they send to international addresses. I asked him what I was supposed to do since they won't send it to me by mail or email. He said they couldn't send it to me because FDCPA isn't the only rule they have to abide by. They also have to follow HIPPA regulations. I informed XXXX that HIPPA regulations do not prevent the use of email and this was a company policy direction by General Services Bureau. XXXX refused to work with me and the call was abruptly ended.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXX XXXX Account XXXX : XXXX