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

XXXX XXXX, XXXX SOC SEC # XXXX   DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXXATTENTION DISPUTE DEPARTMENTTODAYS DATE:XX/XX/2019This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise.Recently, I've been denied in my application for (mortgage, car loan, credit card, health insurance, employment) in Florida XXXX closer look, this was due to inaccurate information on credit report; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows;XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

On several occasions, starting on XX/XX/year>, I have written to XXXX XXXX XXXX requesting why they have inserted an account on to my credit bureau report that does not belong to me. 


XXXX XXXX XXXX Acct # XXXX Alleged Amount {$1200.00} A fair resolution would be to have them remove this false and misleading information from my XXXX, Transunion, and XXXX credit bureau reports.
Product: Debt collection

I ordered shirts from a XXXX Company ( XXXX ), that is located in XXXX, and elected to make payments using a third party payment program, called " XXXX ''. I received my first order of shirts in about three weeks. I tried one on, and it didn't fit. Since all of the shirts were Hawaiin style shirts, I didn't need to try every shirt on. I packaged the shirt in it's original package, and contacted XXXX and XXXX for a return authorization number for all of the shirts. XXXX contacted me back via email, and stated that they would give me 35 % off of my next order, if I keep the shirts. I emailed back, that I am not keeping shirts that do not fit. They emailed back, that if I return the shirts, that they might get lost or stolen. I emailed back, asking, " how would they get lost or stolen with tracking numbers and signature confirmation? '' No answer to that question, but they sent me a return authorization number, and where to send the items to, and it wasn't back to XXXX. It was some address in California. After spending {$38.00} out of pocket, to send their junk back, with tracking numbers and signature confirmation of return, I contacted " XXXX '' by email of the situation, and received the same XXXX responses from them as well. I told them that the items were returned with tracking numbers, and signature confirmation of return, and that I am not making anymore payments. I also stated that I want my money back from the previous payments. They emailed me stating that I still need to continue to make payments until they get confirmation from XXXX. I emailed stating that I am not making anymore payments, and that I'm filing a dispute with my credit card company, which I did, and received part of my money back. They emailed back asking me to send pictures of the returned items, showing the tracking numbers. As I stated earlier, everything was still in the original packaging, so not much to see, except the packaging with the postal information on the outside. XXXX asked for pictures too, showing the packages with return address and tracking numbers. I just recevied an email from a debt collector ( firstsource ADVANTAGE ) trying to collect for " XXXX and XXXX, on merchandise that I returned on XX/XX/2022. Now after being harassed by three different companies, I want the money ( {$38.00} ) back that I paid out of pocket, to return the items. Everything that I have stated in this post, is documented in black and white with all three companies, via emails.
Product: Checking or savings account

Chase Bank XXXX discriminates electronic transfer fund verification department XXXX  discriminates. Other customers only need to receive verification codes on their mobile phones or enter bank card information to verify their identities. One of them, and they added an extra question to me before I would answer their questions. Even if I got the answer right, I would say I was wrong. What the XXXX is this? It is clear that bullying me is XXXX discriminatory. My name is XXXX XXXX, and my phone number is XXXX. I want to be fair to me. Everyone only needs one of the two. And I have to add one more verification than them, it's not fair, it's XXXX
Product: Debt collection

I received an email about a collection on my credit report, it stated I opened this account 11 months ago and never paid the amount due this is a lie. I have been with XXXX XXXX for the past 2 years and before that I was with XXXX 2 years prior to that this is a false charge.
Product: Credit reporting, credit repair services, or other personal consumer reports

I A EXPERIENCING EXCESSIVE DIFFICULTY UPLOADING SUPPORTING DOCUENTS TO THE TO THE XXXX SYSTEM. I AM CONTINOUSLY DISPUTING, HOWEVER THE SYSTEM IS NOT ALLOWING MY DOCUMENTS TO BE UPLOADED. IT APPEARS THIS IS INTENTIONAL.

TRYING TO SUBMIT ALL OF THE FRAUDULENT 1098 'S REGARDING MORTGAGES TAKEN OUT IN OUR NAMES. 

AGAIN, THE SYSTEM SHUTS ME DOWN. 

REGARDING : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX IS INTENTIONALY HARMING US. THEY ASK FOR DOCUMENTS ONLY TO FIND OUT YOU ARE BLOCKED.

IT APPEARS THEY ARE ASSISTING LENDERS IN THE COORINATION OF FORECLOSURES/
Product: Credit reporting, credit repair services, or other personal consumer reports

As a result of the XXXX breach, I have been trying to understand my risk and mitigate them. I 've spoken with all three credit bureaus, and feel less secure than when I started. All three are like mafia businesses : These credit agencies collect our private info without our permission. Then they want to charge us to protect us? And according to the XXXX  agent ( phone call today, XX/XX/17 ), if I sign up for XXXX XXXX, I waive my legal protections in case I end up a victim as a result of their incompetence? 

So, I 'm terrified and would like some protection from these risks. I do n't trust this industry to police itself, please help. 

I also have XXXX XXXX boys ( XXXX, XXXX ). Each company says different things, influenced by state law ( I 'm in Calif. ) and their internal policies : TransUnion says I have to get a court order to put a credit freeze on my XXXX XXXX XXXX. But I can send in an application to note of their files that they are minors. Not sure that would do anything, and do n't they already know that they are minors? 

XXXX says that my boys have to call them for service, that I ca n't act on their behalf since they are no longer minors. This is their internal policy. I thought I was legally responsible for my children! XXXX? 

XXXX says 'do n't worry, since they have n't started financial activities, they will have no credit on a credit report. I do n't need to do anything. Right. 

Dealing with these call centers has been awful. The agents range from haughty and impatient to ignorant. None of them clearly explained my risks and what their services can do to protect me. 

Why is XXXX even in business? They had one job to do! This information is too sensitive to be left to fly by nigh businesses with little accountability to their customers.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, at XXXX XXXX, I received a call from someone claiming to be from Chase bank. They explained that a wire transfer was pending and wanted to know if I had authorized this transfer. I immediately hung up and called my bank, Chase. They said there were no pending transfers. They asked if I had the number that had contacted me, and I told them yes and provided the number. The representative told me that this is in fact their fraud department number. I told them I was not authorizing any transfers from my account. They stated they saw no pending transaction. I disconnected with them and about XXXX minutes later the number called me back. At this time, I believed it was truly Chase bank calling be back because the customer service representative from Chase said it was their fraud department, and I took the call. However, this was not Chase Bank calling, as I would find out later. The person on the other line explained that he was from Chase, and he needed me to access my mobile bank app and give him the last two transaction on my account. I did and when I did this, he was somehow able to link into my account through my mobile app. He transferred all my money from 2 accounts into my checking account assuring me this was needed to protect my money, then he put me on hold and never came back to the line. Within a few minutes all of my money was wire transferred out of my account. As soon as I realized all my money had been transferred and was gone, I called Chase they tried to stop the transfer, but they said it was too late. I was in shock and could not believe this had happened. This was my whole life 's savings and every dollar I had. They asked me if I wanted to submit a claim and I said yes. The first question they asked was did I authorize the transfer and I stated I thought the caller was from Chase and was only transferring my money into one account, but I did not authorize a wire transfer. They asked if I had given my password or account information out to anyone, I stated no. He told me my claim was denied. I hung up and went to the bank. The bank teller helped me to change my account numbers. She also spoke to someone from Chase on the phone about this and explained that I did not authorize this transaction. She said they were looking into it and would get back to me. I received notice on XX/XX/XXXX, that my claim was denied because the bank determined I authorized and or benefited from the transaction. They have audio recording of me calling each time asking about the transaction, stating I am not authorizing a transfer, and the representative confirming this was Chase 's fraud department number.
Product: Credit reporting or other personal consumer reports

Experience has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable investigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer- provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian neither corrected nor removed disputed items despite the evidence that I provided, which is causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experians inaction violates federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency did not make sure it was reporting 100 % accurate. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and under 15 U.S. code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Product: Credit reporting or other personal consumer reports

Was victim of identity theft, follow up with XXXX  to remove there inquiries ( late payment, collection ) to my credit report till now XXXX XXXX does not neither stop report me nor remove those inquiries to my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. I sent letters to all three major bureaus the date of the last letter to Equifax was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report.
Product: Checking or savings account

On XX/XX/21 I deposited a gift from a family member, Chase Bank placed a hold on the deposit. This would be fine but they have additionally froze my account. This is my only bank account. All my paychecks bonuses and money are in the account. 

I am unable to pay my rent, buy food for my family or pay essential bills. I called chase on XX/XX/21 requesting we discuss resolutions, I was told that the only option was for me and the maker of the check to both present ourselves to a bank teller at a branch with two forms of ID. Before I got this answer however I was hung up on 3 times, and spent over 5 hours in hold. I asked the bank what branches would be open or where we could do this, they were unable to promise me where I can make an appointment or when I could meet with someone. 

I offered to have Chase Bank to speak with the maker on the phone and they refused. I asked that they verify with XXXX XXXX, they said that was against their policy. I spoke with XXXX XXXX representatives who indicated they would gladly work with Chase. They told me they had transferred all funds to Chase Bank already. This was bad enough that the representative as XXXX XXXX also indicated she would be filing a complaint. 

I attempted to explain to the bank that they were literally holding all of my assets and I needed some of my money. The bank refused to offer any other solution or to work with me. They said they would unfreeze my account in 10 days. By that time I will be facing potential eviction, damage to my credit score, fees with credit card companys, additional interest on loans and late payment fees. 

I am at a loss for what else to do, the bank essentially took all my families money and left us to starve for 10 days over the holidays. Keeping funds unrelated to check deposit frozen because it is their policy. 

To me this seems like theft, and I am left without anything.
Product: Credit reporting or other personal consumer reports

I have made several attempts to get this agency not to violate my right to not have my information shared. My right to privacy has been violated. On XX/XX/year> I received a letter stating that they obtained my information from them. Per your website CONSUMERS HAVE THE RIGHT TO OBTAIN A SECURITY FREEZE You have a right to place a security freeze on your credit report, which will prohibit a consumer reporting agency from releasing information in your credit report without your express authorization. So, please explain to me why this keeps continuing to happen. I have attached proof of the freeze and of the last thing they reported without my consent.
Product: Mortgage

I took out a loan beginning in XXXX. I signed all of the closing paperwork documents On XX/XX/2020 And provided all documentation prior to signing as the process happens. I've been continually contacted since then to provide more documentation. XXXX even requested documentation for card and account that I do not own. I have reported this to several different people and ask for supervisors on 2 different occasions and have never been called back. So I have a sign loan contract and bills that are unpaid because they will not send out the amount the contractor is for.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a verification of the following account XXXX # XXXX with Experian on XX/XX/XXXX. Today XX/XX/XXXX I was informed that the investigation was completed with no correction to the before mentioned account. I disputed The same account XXXX # XXXX with XXXX on XX/XX/2018 ( complaint # XXXX ). During XXXX investigation they modified the account to not refl How can two different credit bureaus investigate the same item and get two different results? Per FCRA the accuracy of what items are reported on my credit report is the responsibility of each credit bureau. I have disputed this item multiple times with Experian knowing I have with XXXX as well and also knowing the results were different with both conducting investigations with different results
Product: Credit reporting or other personal consumer reports

I am writing to formally lodge a complaint regarding serious inaccuracies present in my AMEX credit report, which I attempted to rectify through your dispute resolution process. Unfortunately, the outcome has left me dissatisfied as the reported account was not adequately verified, and the inaccurate information persists. Background : I discovered discrepancies in my XXXX XXXX credit report, specifically related to payment status, payment history, date opened, and dates of late payments. In an effort to rectify these inaccuracies, I promptly submitted a dispute letter via mail, outlining the discrepancies and requesting a thorough investigation. Unsatisfactory Results : Regrettably, the results of the investigation were far from satisfactory. Despite my efforts, the accounts in question were not verified, and the inaccurate information continues to be reported. This has a significant impact on my creditworthiness and financial standing. Violation of FCRA : It has come to my attention that my rights under the Fair Credit Reporting Act ( FCRA ), specifically outlined in 15 U.S.C. Section 602, have been violated. Section 602 emphasizes the importance of accuracy and fairness in credit reporting, mandating consumer reporting agencies to follow reasonable procedures to ensure maximum accuracy.

Right to Privacy : Additionally, I would like to highlight my right to privacy, which is explicitly protected under 15 U.S.C Section 602. The inaccurate information being reported compromises not only my financial standing but also infringes upon my right to privacy, as it misrepresents my credit history. Failure to Obtain Written Instructions ( 15 U.S.C Section 604 A Section 2 ) : Furthermore, 15 U.S.C Section 604 A Section 2 stipulates that a consumer reporting agency can not furnish an account without the consumer 's written instructions. I have not provided such instructions, yet the inaccurate information persists on my credit report. Attached FTC Report : In support of my complaint, I have attached the FTC report with the report number XXXX. This report details the inaccuracies and the steps I have taken to address them, providing a comprehensive overview of the situation. Request for Remedial Action : I hereby request a thorough and immediate reevaluation of my dispute, ensuring that all relevant accounts are verified and the inaccurate information is rectified in accordance with the FCRA. Additionally, I urge AMEX to take corrective measures to prevent such violations in the future. Next Steps : If this matter is not resolved promptly and satisfactorily, I may be compelled to pursue legal action to safeguard my rights under the FCRA. I appreciate your prompt attention to this matter and expect a timely resolution. Please provide written confirmation of the actions taken to address this complaint within 30 days of receiving this letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have paid off my credit card with XXXX XXXX XXXX and they agreed to delete it off of my credit report and they are still reporting it and have not removed it. This account has been on my credit since XX/XX/2016 and I would like it deleted as it was paid and the company agreed to delete it, Instead they marked it as a paid charge off.
Product: Credit reporting or other personal consumer reports

You are in violation of 15 USC 1681s- ( 2 ) ( B ) and 15 USC 1681s- ( 2 ) ( E ) Responsibilities of furnishers of information to consumer reporting agencies. A furnisher has a " ( 2 ) Duty to correct and update information '' " A person who ( B ) has furnished to a consumer reporting agency information that the person determines is not complete or accurate, shall promptly notify the consumer reporting agency of that determination and provide to the agency any corrections to that information, or any additional information, that is necessary to make the information provided by the person to the agency complete and accurate, and shall not thereafter furnish to the agency any of the information that remains not complete or accurate '' You have failed to conduct a reasonable investigation within a timely matter and notify me of the results according to 15 USC 1681s ( 2 ) ( E ) Duty of person after receiving notice of dispute. " After receiving a notice of dispute from a consumer pursuant to subparagraph ( D ), the person that provided the information in dispute to a consumer reporting agency shall ( i ) conduct an investigation with respect to the disputed information ; ( ii ) review all relevant information provided by the consumer with the notice ; ( iii ) complete such persons investigation of the dispute and report the results of the investigation to the consumer before the expiration of the period under section 1681i ( a ) ( 1 ) of this title within which a consumer reporting agency would be required to complete its action if the consumer had elected to dispute the information under that section; and ( iv ) if the investigation finds that the information reported was inaccurate, promptly notify each consumer reporting agency to which the person furnished the inaccurate information of that determination and provide to the agency any correction to that information that is necessary to make the information provided by the person accurate
Product: Bank account or service

Bank of America 's claims department oversight and lack of supervision has repeatedly set me at a financial disadvantage. For instance, when merchants reimburse or refund before the temporary credit is applied. The bank overlooks these refunds and adds an additional credit leaving the client owing an excessive amount or having to pay back. This time the merchant reimbursed me on the XXXX of XXXX and BOA ignored this transaction and applied the temporary credit after I was reimbursed. I was unaware until a reversal posted of XXXX. The bank tends to do this allot in my account and I am held liable on every transaction. Furthermore, the bank has a habit of extracting funds from a checking to put into my savings when funds are not available. This also leaves me at a defecit and fees are imposed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was reviewing my credit report on XX/XX/XXXX, from XXXX, when I came across my old account from Capital One ( Acct # XXXX ). Previously, I had a charge-off with them. My charged-off account was paid recently with them XXXX XX/XX/XXXX ). When I checked my report, I saw that Capital One has reported, since XX/XX/XXXX, a total of 55 CHARGE-OFFS. The account was charged off years ago ( Sometime around XXXX ) because the account was opened in XXXX. I only have one account with them. The account should have had one charge off from years ago ( XXXX ). I reached out to them ; no one answered my call to clarify or rectify the situation.
Product: Debt collection

Debt is claimed to be from XXXX XXXX IL. 
The creditor is Jefferson Capital Systems LLC. 
XXXX Reference # is XXXX Debt amount is {$1500.00}