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

RE : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  You literally had enough time to verify this account and because you didnt anytime send me even XXXX shred of evidence that this is my account or that I have any liability or responsibility or ownership, it needs to be deleted.Im pretty certain that you violated a bunch of federal laws : 1. You didnt prove the creditor even responded 2. You didnt send me anything at all to verify this was mine 3. Youre being paid to report this by a creditor I cant even get ahold of 4. This is absolutely false info being reported and section 609 protects me specifically against this! 

XXXX was able to verify accurately. How was there different outcomes with the same investigations. 

Thank you for submitting your complaint through the CFPB Complaint Portal. In your complaint, you indicated that there were inaccurate items reporting on your credit file. XXXX has completed its investigation, including contacting the furnisher of the information, where applicable. A summary of the results are listed below : Trade : XXXX XXXX XXXX THIS ITEM HAS BEEN DELETED FROM THE CREDIT FILE.
Product: Credit reporting or other personal consumer reports

Hi, I am requesting an investigation into these accounts, as there appears to be a misunderstanding regarding their accuracy on my credit report. These accounts were removed previously but have been added back without my awareness. I was not notified of their return, nor have I received any communication about this by mail.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I contacted Equifax about the following negative accounts ( list the accounts ) Its been over 45 days and Equifax havent respond to my request as they are required to by the Federal Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute several negative items on my credit report, which I believe were not properly investigated as per the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i. These items were either reported after being disputed, inaccurately reflect my account history, or were re-added after being settled or removed previously. Under the FCRA, I am entitled to have my credit report accurately reflect my financial history, and these improperly reported items are a violation of that right. Specifically, under 15 U.S.C. 1681i ( a ) ( 1 ), you are required to conduct a reasonable investigation into disputes within 30 days, and these items have not been handled in compliance with that requirement. Therefore, I demand the immediate removal of all negative items that were not properly investigated, and I further request that all items that were previously paid or disputed and re-added be removed within 5 days from the date of this letter. If these items are not removed within the specified time frame, I will take further action as provided for under the FCRA, including seeking legal counsel. 

Thank you
Product: Checking or savings account

I am writing to file a complaint reguarding multiple overdraft fees and return check fees applies to my account. These fees were assessed despite having sufficient funds at the time the transactions were authorized. However, due to the delay of posting charges and credits, I was unfairly charged overdraft fees. 
This issue appears consistent with recent findings by the XXXX which identified similar practices with Navy Federal Credit Union. I believe these practices to be deceptive and unfair.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX Bankruptcy Date Filed/Reported XX/XX/XXXX Reference # : XXXX ; XXXX XXXX Bankruptcy Date Filed/Reported XX/XX/XXXX Reference # : XXXX ; XXXX XXXX Bankruptcy Date Filed/Reported XX/XX/XXXX Reference # : XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Product: Mortgage

It would be nice if someone at JP Morgan Chase would take our situation seriously for a change. I will not stop reporting this until someone does because obviously it has never been looked into nor has the telephone recording been listened to when I was told by a JP Morgan Chase representative that she could not take my payment over the phone as I was told to do because the account was under review for a loan modification. I explained everything to her and even made several temporary payments prior to that month. 

Previously sent complaint and full story : I have written previously and will continue to report JP Morgan Chase until we receive a satisfactory resolution. 
JP Morgan Chase is the sorriest excuse for a mortgage company. I am writing about the mortgage in the name of my father, XXXX XXXX XXXX, XXXX and I have full authorization to discuss the account. Several years ago we started the process to obtain a loan modification. Of course we were unsuccessful trying it on our own so we hired an attorney to assist us and JP Morgan Chase had requested the same documents from us over and over again which we have sent EVERY document that was requested of us numerous times and in a timely manner. They told us numerous times that they did not receive them and requested them again and again. Evidently they sat somewhere on someone 's desk and did not get processed as they should have. This has been reported before by other mortgage holders with them and JP Morgan Chase has even been fined several times for such. 
Then they basically accused me of lying when I told them that after calling in and making several monthly temporary payments in a row, which we were set up for, one month I called to make the next payment and the person told me that she " could not take the payment because our account was under review for a loan modification '', ( well duh, that is why they were temporary payments ) I even gave them the name of the person that told me that and the telephone number that I called so it can be researched since their calls are " recorded for quality assurance and training '' but obviously no one even cares to research any of what I have been reporting over and over again. 
They said that my father whose name the loan is under did not reside at the property so that was a reason why they denied the request. That was not true at the time of the request. 
There is no reason why we could not have been approved for a loan modification to safe our home. We even paid off the second mortgage on the property but that did n't even seem to matter or account for anything. 
The property was scheduled for foreclosure but a representative from JP Morgan Chase told our attorney at the time that the sale was postponed because they were going to review the modification again per the request of our attorney but they still proceeded with the sale anyway. It should have never happened. 
They claim to want to help their customers save their homes but they did not do a single thing to help us save our home and foreclosed on our home leaving me homeless.
Product: Credit reporting or other personal consumer reports

Inaccurate reporting of information on consumer credit report. They sold the account and is still reporting on my account along with negative information. I should NOT have two of the same accounts reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am responding to a recently closed case # XXXX that Portfolio Recovery responded to. They denied any wrongdoing in violating the provisions of FCRA and once again I ask that CFPB comply with 15 USC 1681 ( n ) and any other Liability for damages of which I am owed due to their willful manipulation of the balance owed in order to re-age and negatively affect my credit worthiness. Not only that but to remove these harmful account from my credit report or any other other accounts reported by XXXX and XXXX : XXXX in the amount of {$2600.00} and XXXX in the amount of {$2100.00} or or what was {$2100.00} reporting from XXXX. Also to be removed from XXXX but reporting different account numbers XXXX and XXXX. ( 1st proof of manipulating data- the changing of account names ) Portfolio/ Portfolio Recovery Ass or PRS responded that account # XXXX now on showing as XXXX in XXXX they purchased this account and sent a letter in XXXX. I have never received any letter from XXXX until I started to dispute these accounts which they have used aggressive and illegal practices. I have attached letters and my copies of my credit reports showing deliberate re-aging since XXXX Letters range from XXXX XXXX XX/XX/XXXX where they reported changes and one clear change is the amount. Letters stated debt was purchased for {$2600.00} but on my credit report its {$2600.00}. Each time I dispute, they're-age the account and it drops my score drastically. They deny any claims of wrongdoing but how can you report a change in the balance without real payment? How does XXXX and XXXX notify me of a changes on the account only to re age the collection account by reporting that a change was made to the account. I noticed this was usually when I disputed the account, shortly after the open date changes and the last reported date changes but there was no actual change to the account. 

XXXX is currently under investigation for these practices and are illegally manipulating my accounts and the balance reported among other things. You will see how they are violating FCRA and causing me financial damages. which XXXX have been reported of doing. These unethical and illegal practices are in direct violation of several provisions of FCRA, including but not limited ton 15 USC 1692e - False or Misleading Representations XXXX responded in the last complaint that they can not control the way in which consumer reporting reports the information furnished yet willingly furnished that information. 

I'm asking that XXXX and XXXX stop validating this debt based off of an itemized bill that the account was opened in my name and my social. I have even gotten a police report on XX/XX/XXXX XXXX # XXXX but even prior to this I provided ample and strong evidence supporting my rights are being violated through illegal data manipulation. I have provided letters and copies of how my disputes are ignored and reports are reporting changes in a different amount and account numbers. 
XXXX and XXXX mark my account as to be ignored and this is costing me financially and health wise and I want compensation for these violations.
Product: Credit reporting or other personal consumer reports

I am filing this complaint because my XXXX XXXX and XXXX accounts were reported as 30 days delinquent on my credit report. I attempted to resolve this issue by contacting both XXXX XXXX and XXXX to set up a payment plan before the accounts became delinquent. Despite my efforts, the late payments were still reported. 

I have already disputed these late payments with Experian twice, explaining that I took steps to address the payments before they became overdue. However, the negative marks remain on my report. I am requesting a review of this matter and the removal of the late payments from my credit history, as I made good-faith efforts to prevent the delinquency. 

Thank you for your time and assistance.
Product: Credit reporting or other personal consumer reports

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. Moreover, they didn't follow the proper 5 step validation procedure which makes this unfair practice. According to the FDCPA Im entitled to XXXX XXXX  per violation and clearly they violated my rights.
Product: Debt collection

I reporte d Portfolio Recovery bo th here & to the FTC on  XXXX / XXXX /  XXXX  , yet 2 months later, they continue to call constantly anyway. They call daily, sometimes several times a day, using differing phone numbers making blocking these creeps nearly impossible. I have read that this company is a collection agency that fraudulently tries to colle ct debts that are not owed. They purchase accounts that have already been paid, settled or discharged by  bankruptcy and illegally attempt to collect a debt that is not owed to them or anyone. I fully believe this because I DO NOT HAVE  XXXX  SINGLE ACCOUNT PAST DUE! Until recently, I only had  XXXX  very lo w balance credit  card that has NEVER, EVER BEEN LATE, so they HAVE ABSOLUTELY NO CAUSE TO BE CALLING ME! I have repeatedly verbally asked the Portfolio Recovery to stop calling me yet they CONTINUE TO CALL! I have asked nicely and I have told them angrily to stop calling!!! THEY CONTINUE TO IGNORE MY REQUESTS. I dont understand how they continue to get away with this illegal behavior. I will be having  XXXX   XXXX   XXXX  next week. If these phone calls continue and disturb me while I am trying to recuperate, I will BE CONTACTING A LAWYER! I am repeating this complaint to the FTC as well. I do not have an account number to provide and I WILL NOT provide my SSN so these frauds can use it for further illegal activity.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently reviewed my credit report and found an unauthorized inquiry.To my knowledge, I have absolutely no business affiliation nor did I give them my consent to pull my credit. I contacted the credit bureaus on more than one occasion had no success. I also contacted Citi Bank to resolve the matter received no response.
Product: Student loan

I have been calling and emailing Navient regarding a {$20000.00} loan amount owed from a college that closed due to fraudulent activity. 
Dates of communication : XX/XX/21 XX/XX/21 XX/XX/21 Repeatedly requested having loan information and what school each loan applies to mailed to me with very little response. 
They listed an incorrect school on one of the loans - one I have not even attended so I wanted a paper copy. 
The school has been closed for years and was scamming students like me. I do not feel I owe any more money for a degree that is now tainted by association.
Product: Checking or savings account

I was in the Chase Bank branch at XXXX XXXX XXXX XXXX XXXX XXXX XXXX I went up to teller to withdraw money from my account. I made small talk and conversation with the female bank teller about where I was going later that evening. Which we both engaged in talk of going out to a strip club and her favorite strip club. I left bank thinking nothing of the small 3 minutes conversation and everything being just fine. Only the next week to find my debit card transactions were being declined and my automatic car insurance was declined even though I had more then enough funds in my bank account. I call customer service and was told my account was placed on a fraud restriction. And told I need to be transferred to loss prevention..I was talked to as if I had committed fraud. And told chase bank was holding my money and had decided to close my account after 3 years with no explanation.. except I would receive a letter explaining more and a check in 30 days. I received letter yesterday. And it says their closing my account and accusinge me of '' inappropriate conduct with employees ''. No investigation, noone contacted me to discuss this or ask me about totally innocent 3 minutes interaction I had with teller. Just closed my account off a absolutely completely random false wild allegations. I'm planning to pursue legal action but I first would like to discuss this with someone at chase bank and file a formal complaint. I was told by a personal banker at another branch she would file a complaint for me and I will be contacted by a chase representative concerning the complaint. I have not be contacting by anyone this far.
Product: Credit reporting or other personal consumer reports

I have submitted a report to the FTC regarding the unauthorized credit inquiries, which are a clear violation of my consumer rights. 
I have disputed these inquiries with TransUnion, providing evidence and documentation to support my claim that I did not authorize these inquiries and that they are inaccurately listed on my credit report. 
Despite these actions and the clear provisions of the FCRA, TransUnion has failed to remove the unauthorized credit inquiries from my credit report, stating that they are accurate. This response is not in compliance with the FCRA, and it undermines the protection of my consumer rights. 

I am writing to request that TransUnion takes immediate and corrective action to address this issue in compliancewiththeFCRA. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity and my Proof of Address.
Product: Credit reporting or other personal consumer reports

On XX/XX/2024, I submitted a dispute regarding inaccuracies and misinformation on my credit report. Please update the following information.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App block Inc. due to INADEQUATE customer service and unfair, practice violate the consumer financial protection act ( CFPA ) specifically Cash App fee to take time and effective measures to prevent an address for on the platform leaving my account vulnerable and unprotected. Furthermore, that dispute resolution process was unfair and. DECEPTIVE as they did not comply with revolutions requirements under the Electronic Funds Transfer act ( EFTA ) and regulations E these actions have caused significant INCONVENIENCE and financial loss and I seek appropriate REDDRESS for these violations
Product: Mortgage

Got a secure message from the servicer ( Shellpoint/New Rez ) about my account. I logged into my account to discover that they had added an escrow account to the mortgage and that the escrow account was negative the {$1100.00} for property tax. 
I had the escrow account removed in XXXX of 2024 as I had read negative reviews on this servicer with paying insurance/taxes so I decided I would pay those myself. I was transferred to this servicer in XXXX of 2024. 
I paid my tax bill of {$1100.00} on XX/XX/2024 which was more that one month before it was due. 
When called to figure out why this was added to my account and why I was not contacted prior to them adding it they would not give me a straight answer. They also told me that they could not fix the issue over the phone and that I had to send a written request to have the escrow removed. And that I will have to pay the amount the escrow is overdrawn by, even though the tax bill was already paid over a month ago and no balance was due. 
They would not even tell me how long it would take to fix the issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : XXXX CARD SERVICES Account # XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

I was contacted by a company claiming to be XXXX XXXX XXXX. The initial phone call came from a number close to where I live ( XXXX ) XXXX a recording was left stating This message is to notify XXXX XXXX XXXX of a pending matter in our office that is in the process of being reviewed today, we will be verifying your current address as well as place of employment to deliver proper documentation at this time you do have the right to contact the office directly at ( XXXX ) XXXX again that number is ( XXXX ) XXXX. This will serve as your official notification by phone for immediate assistance. 

I was notified by a woman named XXXX I had an account in collections with the above stated company. 

The original creditor : HSBC Account ending # XXXX Address my current address I advised her I had no recollection of said account and have never done business with the company. The woman hung the phone up in my face without any other information given. 

I called the alleged original creditors fraud department and the representative advised after doing a search by my social, they had no record of me having an account with them. I have never had any affiliation or sought out credit from this creditor, nor are they listed on my credit report.
Product: Prepaid card

The company cancels hundreds of services of payroll surprisingly and left many people with XXXX money- they stopped giving the payroll services from XXXX XXXX employees for more of 9 days of work. They said a lot of lies of wait wait wait hours 24-72 hours and now they said we are corporate employees when for example I am XXXX.