23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

Chase has closed my card ending in  XXXX  after filing disputes with them for t  he 2nd time in two months today.
Earlier on I pointed out that Chase went on the record lying about the status of several disputes &   then contradicted the earlier finidngs. I have attached the letters for your review and the proof of returns associated with the  XXXX  dispute.   Documentation was sent to the online chase.com customer messgae center and the content of the letter from phantom employee "  XXXX   XXXX  '' was an attempt to deny the disputes.   I want copies of all documentation this ghost used to arrive at " his/her/gender neutral '' opinion and the money refunded to the balance immediately.   As me balance is in dispute these bandits are preventing me from paying off the account.
Product: Credit reporting or other personal consumer reports

Dear Experian I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 

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 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 **** Please remove it from my credit report.
Product: Student loan

I have multiples student loans on my credit reports that have been closed and paid off and I need all of them removed off my credit reports, the loans have been stuck on my credit for some years and they have not been removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed these accounts numerous times through XXXX and XXXX as the negativity that has impacted my score has been false from the start. I have talked to each collection agency listed and have recorded conversations of them stating apologies for the errors and that they will be removed however ; they have only followed through with XXXX and not XXXX. I have no negative items on my XXXX but they have done nothing to XXXX besides removal of a few accounts but, they have added accounts in their place, ones where insurance, XXXX, XXXX and my Supplemental insurance company has already paid these claims. I need help as I have disputed these numerous times. Below are the companies that are not in following through with what they have agreed to do. 

NEGATIVE INFORMATION > COLLECTION. 


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

Hello, I submitted a written request by mail for Experieran, XXXX, and XXXX credit Bureaus to send me copies of the documents that the company has used to verify the accuracy of the account as a public record. I have been dealing with XXXX, XXXX, and Experieran over a year, and they have not looked into my credit report. I have sent muiltiple verification and follow up letters, and it comes back verified that the three credit Bureaus have not sent in any verifying documents to show where the information is involving the Bankruptcy. I received a letter back from Experian on XX/XX/18 stating that they previously processed the dispute, and verified its accuracy without sending me any verifying documents back. On my first follow up letter I sent off to Experieran, I stated " Bureau needs to provide me with copies of all documentation associated with these Public Record Accounts bearing either a court order to place this information in my credit report, or my authorization of release bearing my signature '' " Per the Federal Credit Reporting Act, Section 609 ( a ) ( 1 ) ( a ), you are required by federal law to verify through physical verification of the original signed consumer contract and/or judgment ( s ) all accounts and public information that you post on anyones credit report '' As I've stated above, the Experian credit Bureau did not provide me with any verifying documentations.

My credit is important to me, and I believe it is being unjustly degraded as a result of this unfortunate error on all three reporting Credit Bureaus, XXXX, Experian, and XXXX. Thanks so much for looking into this important matter.
Product: Credit reporting or other personal consumer reports

I have sent out several letters asking for validation and deletion of the accounts on my credit report that is reporting negatively. I have enclosed the letters I have sent with no response back. 
Letter one on XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX Dear XXXX XXXX, XXXX XXXX Account # XXXX I am contacting you because you claimed to have completed a reasonable investigation with the furnisher of information and verified the account listed above as reporting 100 % accurate. However, this account is STILL inaccurate and your company is STILL continuing to report errors on my credit file, which is causing damage to my credit score. 

This account is inaccurate and does not belong to me. I do not have a contract with this company. 

I have previously requested that you investigate this information and you have failed to correct the errors you are reporting on my credit report. Now is not the time to update, I demand that you IMMEDIATELY DELETE this inaccurate information from my credit report. 

After doing so please provide me with an updated credit report reflecting the changes. 

Thank you for your time, XXXX XXXX XXXX XXXX XXXX XXXX 
XXXXXXXX XXXX XXXX XXXXXXXX Letter 2 on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX Dear XXXX XXXX XXXX Re : Account # XXXX XXXX, XXXX I am contacting you because you claimed to have completed a reasonable investigation with the furnisher of information and verified the account listed above as reporting 100 % accurate. However, this account is STILL inaccurate and your company is STILL continuing to report errors on my credit file, which is causing damage to my credit score. 

XXXX Reporting twice on my credit report, I do not have a contract with this company. Delete immedietly. 

XXXX Reporting inaacurate information, I do not have a contract with this company. Delete immediately. 

XXXXreporting inaccurate information. I do not have a contract with this company. Delete immediately. 

I have previously requested that you investigate this information and you have failed to correct the errors you are reporting on my credit report. Now is not the time to update, I demand that you IMMEDIATELY DELETE this inaccurate information from my credit report. 

After doing so please provide me with an updated credit report reflecting the changes. 

Thank you for your time, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report I have identified certain information that is reporting incorrectly. Please make sure that the only information that is reporting in my credit report is the one mentioned stated below : My full name is : XXXX XXXX XXXX XXXX My correct date of birth : XX/XX/ My correct Social Security XXXX My correct address is : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX My employer is : Self employed Please correct this typographical information immediately as it portrays me as a person engaging in fraudulent behavior. Also please delete all telephone numbers that appear in my credit report, as I have been a victim of robo-calls. 
Please not that I have opted out in writing to your forced arbitration terms and am willing to seek legal relief. 
Under Section XXXX of the FCRA ( Fair Credit Reporting Act ), I expect you to delete these negative accounts and provide me with an updated report within 30 days.
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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. 

Account Name : XXXX  XXXX XXXX Account Number : XXXX  Account Name : XXXX Account Number : XXXX  According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Product: Vehicle loan or lease

I got a vehicle from XXXX XXXX and I traded in a car.they didn't include the down payment.in the loan.the car had issues from day 1 and the salesman lied to me for months that he would help me.i did not sign the contract for the car to cost this much.then he said he would get me in a different car but kept making me waiting for 3 months till I gave up.the car is worth {$2400.00} but the contract says i owe $ XXXX without interest.he had me sign another contract then his computer messed up.he told me I got a warranty but didn't tell me I was paying XXXX for it.and he told me to lie and say I sold the car I wanted to trade it in
Product: Payday loan, title loan, or personal loan

Earlier this year Navy Federal credit union did an unauthorized transfer from my checking account to an installment loan without notifying me. This resulted in checks that I previously written being returned for non-sufficient funds. Navy Federal then charged me a NSF returned check fee, when the reason there was not sufficient money available and the returned was because they took it upon themselves to make an unauthorized transfer out of my checking account without notifying me. Then Later they completed another unauthorized transfer from my checking account to a revolving line of credit as a payment. I did not authorize this transfer either and was again not notified. That and that unauthorized transfer over-drafted my checking account. Most recently Navy Federal yet again did an authorized advance from my line of credit to my checking account to cover the overdraft that they caused In the first place, and the bogus fees that also were a result of their bad business practices of transferring money between customers accounts without notification or authorization. The unauthorized draft that they did from my line of credit account put my line of credit over its credit limit of XXXX
Product: Credit reporting or other personal consumer reports

I appreciate your assistance in getting some of the fraudulently obtained data from my credit file removed, but there are still items that need to be blocked or removed. You must remove all records listed on an ID THEFT REPORT by FCRA section 605 of the regulations. I am proactively including this report again because I proactively remembered it for a previous letter. I have informed my attorney of my intentions, and they are willing to hold you accountable for your persistent disobedience. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX , CA XXXX ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX  XXXX Balance : {$10000.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$740.00} ; XXXX XXXX Balance : {$140.00} ; XXXX  XXXX XXXX Balance : {$670.00} ; XXXX XXXX XXXX  XXXX Balance : {$310.00} ; XXXX XXXX  XX/XX/2022.
Product: Debt collection

It is very frustrating that this has been going on for several months and they have not given me any or enough evidence to prove that this is my account they keep posting in my report are verified and true. I have been continuously denied of getting loans because of this. This should have been resolved months ago but they don't seem to care at all.
Product: Debt collection

When I turned XXXX this year I went to open a student credit card for college when they told me my credit had debt I owed knowing Ive never had anything in my name my whole life. After finding this out I created a XXXX account to dispute this claim towards me even though it wasn't mine. Continuing my dispute they claimed it wasnt negative even though the debt I owed clearly isnt mine. It was supposably in XXXX  and in XXXX I was XXXX years old. I just want this off of my credit because when I turn XXXX Im supposed to have no credit not negative for a payment that never belonged to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not block the items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law Please remove/block the account as they are fraudulent & were opened without my consent or knowledge XXXX XXXXXXXX Date Opened : XX/XX/2016 Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. A criminal has used my social security number to apply for credit lines. There are numerous fraudulent credit inquiries and credit card accounts, as well as an auto loan that are fraudulently reporting to my TRANSUNION credit reporting agency. I have submitted a fraud investigation request to TRANSUNION, however they are unwilling to dispute and remove the fraudulent inquiries that are listed below. 

Fraudulent credit accounts XXXX. XXXX XXXX Account Number XXXX XXXX. XXXX XXXX Account Number XXXX Fraudulent credit inquiries XXXX. XXXX  XX/XX/XXXX XXXX XXXXXXXXXXXX XXXX XXXXXX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX
Product: Checking or savings account

President - i opened a citibank checking and savings accounts they closed both. i still get account alerts to email address XXXX. they said they cant stop them. by law. pta do this now. signed president of the usa XXXX XXXX XX/XX/2022 XXXX est.
Product: Mortgage

I received a XXXX and a XXXX for {$0.00} for XX/XX/XXXX from OCWEN. The property in question was foreclosed on and the debt discharged under chapter XXXX bankruptcy in XX/XX/XXXX, however the date of the identifiable event is listed as XX/XX/XXXX. I 'd never heard of OCWEN prior to receiving these documents, so it is unclear how they were transferred a mortgage that had been discharged in XX/XX/XXXX, and are now trying to take a write off on a loss that they should not have incurred. Is there a pattern of false reporting from this company that needs to be investigated?
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the Experian credit bureau to validate this account ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX Balance : {$870.00}
Product: Credit card or prepaid card

On XX/XX/XXXX I received an email from Citi saying that they were decreasing my credit limit by approximately half. ( From {$8500.00} to {$4800.00}. ) They gave no reason other than they decided to review my account and credit information. They also decreased it precisely enough to cover any pending charges and to max out the new reduced credit limit. 

My credit score is still over 700. The only real changes to have happened on the card is that I just recently started to carry a balance on it ( yay, hyper-inflation ) and have started using it at other places rather than just Costco. ( It is a Costco branded Visa card but not a store exclusive credit card. )
Product: Checking or savings account

This complaint is against a consumer reporting agency called Early Warning Services ( full name : Early Warning : Risk and Payment Solutions to Move Money, which is as Orwellian name as possible since I am no risk whatsoever ). 

I just tried to open a basic checking account with XXXX XXXX but was denied and without even waiting for a response from the bank, I am 100 % certain it was because of some bogus " deposit score '' calculated by Early Warning since this exact same thing happened to me 2 years ago. 

I make over $ XXXX, my current XXXX score is XXXX, i.e., EXCELLENT, and I have NEVER had a delinquent bank account. The account I tried to just open is a deposit account and there is no justification whatsoever to be denied based upon my income and credit score, not some arbitrary " deposit score '' assigned by an unaccountable and UNREACHABLE agency ( I repeatedly tried to speak with someone in charge at Early Warning 2 years ago to no avail ). 

These consumer reporting companies ( NOT credit reporting agencies ) need to be held to much higher standards.
Product: Debt collection

I received a call from XXXX of Assett Associates and in an aggressive manner she stated I owed a debt for someone I co-signed for. I have not co-signed a loan with anyone other than my husband in well over 10 years. I tried to ask for something in writing but she would not answer any of my questions. She did state the debt was to XXXX XXXX for over XXXX. The phone number on my caller ID was XXXX and I received another call shortly after from XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent in documentation by mail and uploaded documentation online through the Transunion website because there are items that are supposed to be deleted from the credit bureau. They keep saying they are not receiving my documentation when I have proof of certified mail and online screen shots.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently received a copy of my credit report and noticed JPMCB CARD SERVICES placed private information about an account I have with them on my consumer credit reports. Per 15 US code 1684 and 15 US code 1681b from the FCRA, the law clearly states : In general, subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the written instructions of the consumer to whom it relates. Meaning, if you havent received written instructions from me, THE CONSUMER, to put an account on my report, it should not be there. This is a violation. I never gave written instructions to furnish any of the following accounts on my report : JPMCB CARD SERVICES Account # XXXX ( COLLECTION/CHARGEOFF ) Secondly, according to 15 USC 1681 , the law states : Accuracy and fairness of credit reporting. The congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) 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.

The following accounts are inaccurate and are in clear violation of my privacy which is a violation of the law. This is damaging to my reputation. As the consumer, I demand the following accounts be deleted from my credit report immediately. 

JPMCB CARD SERVICES  Account # XXXX ( COLLECTION/CHARGEOFF ) As the consumer, I did not give any written instructions to have this account reported on my consumer report. I have not given this creditor permission to put this account on my consumer report. They have no permissible purpose by law to contact third parties with my private or personal information. This offense amounts to aggravated identity theft pursuant to 18 USC 1028A. They have knowingly transferred, possessed or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability.

15USC 1681 ( a ) ( 4 ) A consumer has the right to privacy 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.

They are in federal violation of my rights, as a federally protected consumer who has the right to privacy. In addition, I demand to have a copy of my updated consumer report once the deletions have been made.

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

I sent a letter to remove these items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than XXXX business days after the ( date of the Previous letter ). Ive already included this in my previous Complaint # & I am including it again., XXXX XXXX XXXX : {$3900.00} XXXX XXXX XXXX {$2600.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a complaint against BARCLAY CREDIT CARD. INQUIRY DATE XXXX XXXX2017. I am a victim of identity theft and did n't authorize this inquiry in my credit report. This situation has me very stressed because this is a fraudulent account that was initiated without my permission
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX inquiries on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/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 also states a consumer reporting agency can not furnish a account without my written instruction