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

I called your department after I purchased a credit report with XXXX dated XXXX. 
After receiving a copy of my report, I saw some UNVERIFIABLE information that on my personal profile, I noticed that these were CHARGE OFF and LATE CLOSED accounts on my credit report. This is disappointing because I have been paying XXXX  to get a report every month and I have been disputing fraud accounts on my credit report all this time just today I have a charge off and late closed that I have never seen before, as well as this incorrect information on my personal profile but still youre not taking any actions. I have never with these accounts listed below, so please help me remove these charge off and late closed, including this incorrect information from my personal profile. A copy of my Utility Bill, drivers License, and my Social Security Number are all included in this written request. Please help me resolve this issue as soon as possible.

PLEASE DELETE THE FOLLOWING FRAUDULENT ITEMS : ACCOUNTS : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX INQUIRIES : XXXX XXXX Inquiry Date XX/XX/2023, XXXX XXXX XXXX  Inquiry Date XX/XX/2023 and XXXX Inquiry Date XX/XX/2023
Product: Credit reporting, credit repair services, or other personal consumer reports

I have carefully reviewed my credit report in Experian. I have been turned down for a credit due to mis-reporting information, I have found inaccuracies that should be immediately investigated. I have complete knowledge of the Fair Credit Reporting Act and understand that these companies have a responsibility to notify me prior to or no later than 30 days of such negative activity reporting against me. 


XXXX  XXXX
Product: Checking or savings account

Bank of America closed my account due to fraudulent activity. A check for XXXX was deposited into my account XX/XX/18. I was out of town in Massachusetts at our family cabin where we dont have service, so I was I unable to check my account religiously. Besides I Left my card at home and I was unable to use it anyways. I got back on the XXXX and I ordered something from XXXX. I did check my account then but I did not see any suspicious activity. On the XXXX I received an email stating that I was being sent a new card which was extremely strange. I did call the bank hoping to speak to someone about the matter, it was pretty late so I didnt think to cancel my card or anything. On the XXXX I went to check my account and it was closed. I called Bank of America and they were extremely passive about the situation and they never informed me that there was suspicious activity being detected or call me NOTHING! Im extremely frustrated because my concern is what this will do to my credit or will this be something that affects my future endeavors. I would like for this to go away and open my, even if I walk away and join a new bank I do not want this to be on my record.
Product: Debt collection

On XXXX, XXXX  XXXX XXXX XXXXXXXX XXXX a collection. 

Account # : XXXX {$1500.00} that I owe I have never signed any written documentation saying I owe this debt to the collector. 
They are violating my rights of the FCRA as a consumer I do not know who they are and have not written any consent from my end. 

Also, they have not verified that I owe this debt to this alleged company. 

Please have this removed from all three credit bureaus. 

XXXX XXXX
Product: Vehicle loan or lease

While I was on bankruptcy, which is still on my credit report, flagship auto finance me a truck set up numerous payment plans with me and then got my income tax and re-Poed my truck
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report was one of the millions that Equifax let leak out to hackers online. They setup a site to identify people. I was identified by them as having my info stolen. In order to help me they want me to consent to never sue them and give up my rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

I wrote these company back in XXXX about a ton of things that are wrong on my report. My information was both compromised and stolen and I have been dealing with a nightmare. It has now been more than XXXX  days and I have not heard back about the things I'm disputing and I want those things removed NOW
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 investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$1400.00} XXXX XXXX  XXXX Balance : {$450.00}
Product: Credit card

In XX/XX/XXXX, I entered a financial hardship payment plan with Best Buy Credit Services ( Citibank , N.A . ) to address temporary difficulties with my XXXX Best Buy XXXX XXXX account. The plan required fixed monthly payments of {$690.00}. During the plan, XXXX payments were returned due to a banking error. However, these issues were immediately and fully resolved within the agreed framework. By XX/XX/XXXX, I had completed all payments, and the account was restored to good standing. 

Despite this compliance, Best Buy Credit Services cited the resolved returned paymentsoccurring during the hardship planas grounds to abruptly close my account on XX/XX/XXXX, just XXXX day after I challenged their refusal to correct inaccuracies on my credit report. This closure is pretextual and retaliatory, as the stated reason directly contradicts the terms of the completed agreement. 

Key Issues : XXXX XXXX : The XXXX returned payments justification ignores that these occurred during the hardship plan and were resolved. The closure violates the spirit of the agreement. 

Retaliatory Timing : The closure followed a heated interaction on XX/XX/XXXX, where I disputed inaccurate credit reporting and faced racially charged hostility from a supervisor. The supervisor hung up after I referenced filing a CFPB complaint. 

XXXX Discrimination : The supervisors derogatory tone and language during the call, paired with the abrupt closure, suggest discriminatory motives under the Equal Credit Opportunity Act ( ECOA ). 

Credit Reporting Errors : Best Buy Credit Services refused to correct delinquency marks on my credit report, falsely portraying the account as delinquent even after full payment. 

Legal Violations : ECOA : Pretextual closure and discriminatory conduct. 
Fair Credit Reporting Act ( FCRA ) : Failure to correct inaccuracies. 
Consumer Financial Protection Act : Retaliation for asserting rights.

Requested Actions : Restore my account to good standing immediately, as the closure reason is unfounded retaliatory, and discriminatory.

Remove all inaccuracies ( delinquency marks, closure notation ) from credit reports. 

Investigate XXXX discrimination allegations and hold Citibank accountable under XXXX. 

Compel Citibank to provide written confirmation of corrective actions and compliance with anti-discrimination laws.
Product: Credit card

On Friday, XX/XX/, I woke up to a text message and email from Chime saying welcome and my new account was waiting for action. I have never signed up for a Chime account. These came through at XXXX and XXXX respectively. I went to work unsure of what to do, while at work I came in contact with someone who actively had a Chime account. I showed them my messages and asked how I would receive this if I never signed up, they said it was unlikely to happened and I should contact the company itself. After work I called Chime, informed them that there was an account opened in my name and gave them the phone number and email associated with the account. The first associate, XXXX, would not assist me without my birthdate or social security number. I would not provide any additional info as I had not set up the account. After that call I did download the Chime app and find a bank routing and account number. I called back and spoke with a XXXX who, again, asked for my birthdate and social but I again refused and told him I had the account information and he should have no problems looking it up that way. After some time I was told the account was closed but was not given any info on who opened it, with what social, or when. I was instructed to file a police report and contact the credit bureaus to protect my credit.
Product: Credit card

I had checked the activity on my PayPal account and found unauthorized purchases and automatic withdrawal from my external bank account from the beginning of XX/XX/year> till the present. Each time I reported the unauthorized purchases and automatic withdrawals from my bank account they told me, no worries that I would be put on the XXXX protection list. I had changed my password several times only to have the problems continue. They did refund serval of the purchases but the automatic payments for XXXX continued. They also refunded some of the withdrawals from my bank account and put it in a PayPal debit card. Whoever was using my account withdrew the cash from the debit card which I never applied for or activated. I reported this the actual day ( days ) of withdrawal was told again no worries that I protected and it would have to go though the fraud department. After I got the report the fraud department informed me that everything went through as normal and they couldnt find anything unauthorized. It may have went through as normal but it wasnt me! I informed them the day it was done and it should have stop there. PayPal credit/debit and synchrony bank let me get robbed!
Product: Checking or savings account

I opened a checking account on XX/XX/year> with Ally Bank, transferred funds from my XXXX XXXX account into Ally which then decided to close my account and terminate the partnership on XX/XX/XXXX of this year. They've been holding my funds captive with no date or information on when they will release and return my funds. I've called plenty of times and all I received was the run around on when they will officially close my account siting that they're still " investigating '' I'd like to file a complaint against Ally bank based on unfair practices. I would like my money as soon as possible
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reviewed my credit report today XX/XX/22 and have found that unauthorized inaccurate late payments are being furnished to my credit report. I did not give written consent to have transactions between the furnisher and myself to be reported by XXXX XXXX, or equifax. A consumer report should EXCLUDE transactions and experiences between the consumer and person making the report, that is stated in 15 usc 1681a ( 2 ) ( A ) ( i ), so why is payment history being reported? please see attachment for details
Product: Credit card or prepaid card

Went in for a service visit, was told it would be {$200.00} ish over the phone. When I was charged, they put it as {$600.00} something in their system ( dealership scammers ). I realized a day later and contacted Chase. They wanted proof in writing from a representative from the dealership acknowledging the mischarge. After 2 weeks of back and forth, their service manager sent me a letter, which I faxed to the Chase Fraud Team.

Now Chase is saying even WITH sufficient evidence, too much time has passed and I have to eat up the {$400.00} ish difference. I have proof of the letter if required, please contact me if necessary. Thank you.
Product: Credit reporting or other personal consumer reports

I filed a dispute with TransUnion about 3 bankruptcies showing on my credit report, I provided a XXXX report showing no bankruptcies were on my XXXX report and they removed 2. XXXX is the Public records provider for TransUnion up to XXXX, the public record shows a XXXX filing, after XXXX they used the company XXXX. XXXX has initiated 2 internal disputes to TransUnion to remove # XXXX.
Product: Checking or savings account

I am writing you today because, as a result of Chases negligence and complete disregard, {$35000.00} was stolen from my Chase checking account. Specifically, Chase allowed my personal checking account to be breached by XXXX unauthorized XXXX debit transactions, which increased from a few authorized transactions a month from XXXX vendors to XXXX transactions a day from XXXX unauthorized vendors. Chase did nothing but merely stood by as my earnings were stolen directly from its control. To add insult to injury, Chase has only agreed to return {$1700.00} out of the {$35000.00} that was stolen. This is unacceptable. I am hereby demanding that Chase return the remaining {$33000.00}. 

On XX/XX/2022, I notified Chase of the fraud. I first attempted to call the Fraud Department. After multiple dropped calls to a foreign country, I ran to the nearest local branch at XXXX XXXX XXXX. The representative at the branch spoke to the Claims Department and assured me my money would be returned to my account. 

On XX/XX/2022, I called the Claims Department to follow up. This specific claim includes the XXXX fraudulent XXXX debit transactions totaling {$33000.00} ( Chase refunded the XXXX XXXX debits totaling {$1700.00}, which are not included in this claim ). 

After the Claims Department failed to resolve my claim, the Branch suggested I call XXXX XXXX XXXX office, which disappointingly was just another call center. This second Claims Department opened XXXX files. On XX/XX/2022, the second Claims Department called to inform me that it denied and closed my claims. 

Basically, Chase has repeatedly and arrogantly informed me that I am not eligible to have my stolen money returned because of some unenforceable fine print. This is unacceptable. As a result, I have filed complaints against Chase with the Department of XXXX XXXX and NYPDs XXXX Precinct. The Department of XXXX XXXX advised me to file a complaint with you, the Consumer Financial Protection Bureau as it is a federal matter and Chase is a federally chartered institution.

Chase does not have the mechanisms in place to protect their clients assets from cyber theft. In speaking with lawyers, friends, and detectives, it is obvious that Chases cyber security is inferior to other consumer banks like XXXX XXXX XXXX, XXXX XXXX and XXXX. For business purposes, I use XXXX XXXX and can attest that they call me if there is the slightest bit of unusual activity on my account, to the extent that XXXX XXXX contacts me even when I use a token. I understand other banks have similar security measures. Chase does not offer automatic protection and requires clients and customers to opt in to have the least bit of security. 

I work incredibly hard to provide a living for myself and naively thought my hard-earned wages would be safe with and protected by Chase. Chases negligence and intentional disregard has caused me incredible distress.
Product: Credit reporting or other personal consumer reports

A hard inquiry was placed on my credit report by Capital One on XX/XX/year>. That was not done by me and that is fraudulent activity.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Try to Apply for Employment & On Line Pop Up That I have to Pay {$1.00} to Apply for a Job. Pay to Transunion. we were agree. When we received {$1.00} Charges & {$19.00} ( Which i was not aware of that ). Until came On My Credit Card. I call My XXXX XXXX XXXX Card Company. They refuse to remove it. I call Transunion They Refuse it also. We would like to have a Refund of that {$19.00} from Tranunion.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'M DONE ASKING NICELY. I'VE SENT YOU NUMEROUS LETTERS INFORMING THERE IS INACCURATE, ERRONEOUS & UNVERIFIABLE INFORMATION ON MY CREDIT REPORT. You are required under the FCRA to have a copies of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your numerous investigations and subsequent reinvestigations, you stated in writing that you verified that this item is being reported correctly? I'VE ASKED YOU " WHO VERIFIED THIS ACCOUNT? You have NOT provided me a copy of ANY original documentation, OR COPIES FOR THAT MATTER, as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified.

Sections 616 and 617 provide me with remedy when a credit reporting agency does not comply with the law. You are wilful noncomplying with the FCRA.

Since you CLAIM TO HAVE VERIFIED THIS ACCOUNT BUT HAVE NOT PROVIDED ME WITH ANY INFORMATION. I WILL GIVE YOU ONE LAST CHANCE TO " UPDATE/REPAIR '' THE FOLLOWING ACCOUNT. 

Please update this account, or inaccurate information, from my file immediately & send me the results to the address listed XXXX  XXXX Date Opened : XX/XX/2020 Balance : {$360000.00} - I was never late... the bank made an error with my address and sent the statement to the wrong address. They said they would remove the negativity. Please remove negativity... please check account is not untimely, unverifiable, incomplete or inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted XXXX to dispute that they are inaccurately reporting that I was late in XXXX and XXXX  2011. Please help me to get these late payments removed from my credit report. I was never late to XXXX.
Product: Debt collection

I 'm writing to file a complaint. The complaint is brought against the merchant ASHRO for harassment. Unfortunately, the items were returned due-to defect and fit : Credit Account : XXXX : item number ( XXXX ) CLPTRA DRESSES /XL, for total of XXXX dollars. The products were returned using company label. Costumer disputes the felonious charges billed to account. XXXX dollars, plus XXXX dollars late fee, followed by XXXX per/month dollar processing fee. I disagree with the charges. I returned the merchandise in a timely manner, but ASHRO continues to harass customer with obnoxious phone calls and threats to ruin my credit. I want the calls to stop. I will forward all records concerning the matter enclosed in complaint. Please be advised.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
FORTMILLHY Date of inquiry : XX/XX/XXXX, XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX Date of inquiry : XX/XX/XXXX, XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX, XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX Date of inquiry : XX/XX/XXXX, XXXX XXXX  Date of inquiry : XX/XX/XXXX, XXXXDate of inquiry : XX/XX/XXXX, XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX O Date of inquiry : XX/XX/XXXX, XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX Date of inquiry : XX/XX/XXXX, XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX & XXXX XXXX Date of Inquiry XX/XX/XXXX
Product: Debt collection

this complaint for identity theft. I have never given any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am legally refusing to pay this debt pursuant to 15 USC |1692c ( c ). I am demanding a cease and desist of all illegal and unlawful activity, any communication and collection activity, of this and any alleged debts until they can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and collection attempts continue I will file for litigation for actual damages caused and HUNTER WARFIELD, INC will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. The credit reporting agencies were notified this account is result of identity theft.
Product: Credit reporting

This company has a debt on my credit report that is n't mine and keep readmitting it. I 've disputed it several times and its hindering my credit score.
Product: Debt collection

I initially disputed this debt with the credit bureaus back in XXXX XXXX, with the results being that the account was verified as being mine. I have since sent the collection agency request for debt validation to the fax number that has been provide by them, however they repeatedly say they did n't get the faxes though the faxes state they were successfully transmitted. I have spoken with a representative at this collection agency and was advised of the company they were collecting on the behalf of. I contacted the company that is listed as the Original Creditor that this collection is " supposedly '' collecting on the behalf of and they do n't have any information in their systems for me nor that I ever had an account with them in any way. I was advised by XXXX at Capstone that they were collecting on behalf of a property management  company by the name of XXXX, after doing extensive research and placing calls to the company that I did find with this name, they have never been affiliated with anyone " supposedly involved '' with this account, not Capstone Credit & Collections nor River Oaks Apartments. In fact, Florida is a state in which companies must be registered and licensed, and the XXXX company I pulled up is not " licensed '' and is not active. 

I have sent them this information and they continue to report this account to the credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone opened a XXXX account in my name & I have been trying to get the Fraudulent XXXX Account off of my credit report since XXXX. This charge off/collections account dropped my credit score over XXXX points. I contacted all credit report agencies to delete this unverified account that belong to an address I do not reside and only XXXX has updated it. XXXX updated it XX/XX/XXXX. I would like compensation for the drastic drop in my credit score and the important applications I was denied during the process because I reported this account multiple times along with an FTC report and they never updated it until XXXX. Equifax XXXX XXXX has yet to update this for me.
Product: Debt collection

I have disputed this {$1100.00} bill from Consumer Adjustment Co through all three credit reporting agencies since the day I accompanied my adult daughter to the ER and received a text on my phone saying thank you for your visit as they apparently scanned my phone when I walked in. I immediately responded that I was not seen that day, but had driven my daughter, who by the way does not live in my household. 

I am not responsible for this bill, and if you check you will see it belongs to my adult daughter. It is outrageous that my credit score can be decimated while they continue their false claims, while at the same time hounding my daughter for the exact bill in question. 

It should also be noted that I have not used the XXXX XXXX XXXX since my XXXX XXXX  5+ years ago. I use XXXX and an XXXX  for my health needs.