23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I set up a recurring transaction to transfer {$1000.00} from my chase checking account to my chase brokerage account on the first of the month many years ago. 

I decided to cancel this recurring transaction and found that it was not possible through Chase 's website. 
When I sent a secure message to chase they initially claimed the transaction was made manually, which was not true. Eventually they admitted it was a recurring transaction and were able to cancel it after a lot of back and forth, including phone calls and secure messages. 

Suddenly, on XXXX the transaction started up again, and there's still no way to cancel it through chase 's website. 

Since I have dealt with many phone calls and secure messages back and forth with chase, and the problem already appeared to be fixed, I am very disappointed that the issue came back. A cancelled recurring transaction should not restart!
Product: Credit reporting or other personal consumer reports

I am contesting the presence of inaccurate personal information on my credit report. The following information does not pertain to me, and I have no association with it. I request the immediate removal of this information from my credit report. 

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

I am demanding that all innaccurate and unwanted personal information be removed. According to the fair credit reporting act 15 USC 1681. I have the right to privacy.

Also according to 15 USC 6802. No financial institution is not suppose to share my information to third party people. 

These are clear violations of my federally protected consumer rights
Product: Credit reporting, credit repair services, or other personal consumer reports

There are two accounts XXXX XXXX XXXX and a medical collections,  both have been charged off years ago, yet both keep affecting my credit every month and shows a renewal of collection opened every month. This should not be negatively affecting my credit as a new debt every single month. For example XXXX XXXX XXXX reflects XX/XX/2019 as renewal open date, this is not accurate. This needs to be fixed.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information or accounts which do not belong to me. Please block these erroneous accounts : XXXX XXXX XXXX  XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance : {$6400.00} If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature. If you do not provide any records & claim the accounts are verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Debt collection

Subject : Request for Deletion of Account Due to Falsely Reported Damages Dear Hunter Warfield, Inc, I am writing to formally request the deletion of an account that has been inaccurately reported on my credit report due to damages that I am not responsible for. The leasing office has unlawfully charged my account despite being aware of my status as a victim of XXXX XXXX 

Under the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) **, victims of XXXX XXXXXXXX are protected from being held liable for damages caused by their abuser. This law explicitly prohibits landlords from charging tenants for damages that were a direct result of XXXX XXXXXXXX incidents. Additionally, the **Illinois Rental Housing Support Program Act** reinforces these protections, ensuring that victims can not be penalized for damages caused by their abuser. 

I have documentation that proves my status as a XXXX  XXXX victim, and it is clear that the charges reported by the leasing office are in violation of the aforementioned laws. This false reporting has negatively impacted my credit and my ability to secure housing in the future. 

I kindly request that you investigate this matter and remove the account from my credit report immediately, as it is not only inaccurate but also detrimental to my financial well-being. 

Thank you for your attention to this urgent matter. I look forward to your prompt response. 

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

XXXX XXXX XXXX XXXX has been reporting inaccurate information to my credit report. 15 u.s.c. 1692 The account was charged off & XXXX XXXX XXXX XXXX has added fee 's to my account to get addition money from me { {$2000.00} }. This company is stressing me out. They sent me offer to my email then when I apply I'm denied. I feel it's false & misleading I Paid more than ( {$14000.00} ) which is close to double what the car was worth. Please help this account is causing me to be homeless. 



This alleged gency failed to contact me within five days of receiving my dispute of alleged debt account # XXXX in doing so they violated Title 15 1692g ( a ) also this alleged collection agency failed to respond to my dispute it now has been over 45 days and this alleged collection agency has not ceased collection of the disputed debts violating Title 15 1692b.
Product: Credit reporting or other personal consumer reports

I have been trying to get in contact with Credit Karma, hard to each, no reply Credit has incorrect Names and addresses on their website, I also filed a complaint with XXXX, CFPB against XXXX, XXXX XXXX, XXXX, Credit Karma. All I want is to have all three Credit Bureaus correct the errors on my credit information, Personal information, Credit information.
Product: Debt collection

I was fraudulent charge. I never went to the school, never sent my transcripts, I informed them and the XXXX XXXX said they are not credited. Than 6 months later I seen a bill. I reported this to XXXX and they removed it. Six months later it was sold to a collection agency. I informed them and XXXX this was a fraudulent account. And Once a debt resulting from identity theft has been blocked, a person or business with notice of the block may not sell, transfer, or place the debt for collection. But this was. Im a single mother and in America how can people try to get paid for no service. I do understand credit company have a lot of complaints but they should protect the Consumer. This was removed and now added back to credit report.Can you please investigate this. My name is XXXX XXXX. Ss # XXXX Company was XXXX XXXX XXXX XXXX, IN XXXX than they sold to KINUM INC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX placed a collection account onto my credit report for {$370.00} XX/XX/2017. This account was previously removed. According the FCRA I am to be given a 5 day notice before an account is reinserted. Please remove this account from my credit report you are in violation of the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX was hired less than 3mos ago for 9mos stretch.some items removed ... other inconsistently across all three major bureaus.THis is a fcra violation.

recently I have sent all 3 demand for dispute multiple times. Certified mail, uncertified mail, email, FAX ... etc. I am lied to my face about if certified mail has been sent with the hard card and USPS mailing card in my hands. 

My files remain uncorrected. creditor contacted take sweet time in getting back to me beyond 30 day limit and then begin to make claim that debts are accurate after extorting me for over 12 mos. This said, upright law was on retainer last year for around 9mos until I discovered they were scamming me. debt collections should have ceased, irregardless if anything was filed w the courthouse. If I must, I will hire another attorney to do it again and I will pay cash. The problem is the bureaus repeated refusal and noncompliance. They make claims yet are unsupported by evidence NOT sent to me, and supported by the FCRA itself which nobody at any bureau has bothered to read. I have skimmed the entire document in full looking for violations and found over 10 per credit bureau over the past 10 years. accounts I demanded removed ( 2007 ) repeatedly mo after mo I am sent and they are still there. accounts are " confirmed '' w no evidence as to HOW sent to me.

I am repeatedly asked for my blood type each ( week now ) time I dispute anything w anyone and then the reply is DENIED, INCOMPLETE, YOU ARENT YOU and YOU DONT LIVE THERE..or my files are changed behind my back wo my permission.I have had unlawful freezes multiple times in the past I did not authorize. bureaus are now refusing to freeze my files. my online access has been denied and locked up " in investigations '' that take years to unlock. 

FINAL NOTICE BEFORE SUMMONS of ENTIRE COMPANIES before XXXX COUNTY JUDGE for non-compliance. I HAVE INCHES OF PAPERWORK -- I had years worth in XXXX XXXX that got stolen.I had loads more last year. Law firms such as listed online refuse my case even though I have one against the bureau and then run thier mouth at me for reasserting my valid claim.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by silence, Englehardt Vs. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. 

XXXX, XXXX, EQUIFAX
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act the following accounts have violated my rights : XXXXXXXX XXXX XXXX Account # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXXXXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX Bank XXXX Account # XXXX. 

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.
Product: Debt collection

I present the complaint of the collection agency XXXX XXXX XXXX. I have never had an account with XXXX and less have opened an account with them, this seems false or some type of " hacker '' that access my credit account so I ask for immediate investigation. They have given news related to this type of situation in : Fake Collection for Non-existent XXXX XXXX XXXX account!! I expect quick action on it. Thank you. 
XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, the following accounts have violated my rights. 
-XXXX  XXXX, Account # XXXX -XXXX XXXX, Account # XXXX -XXXX  XXXX/XXXX, Account XXXX XXXX XXXX, Account # XXXX 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 an account without my written instruction.
Product: Credit reporting 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 XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Number : Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries. 


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: Mortgage

Received foreclosure sale letter from foreclosure attorney for my property. How do you receive a foreclosure letter when your Bankruptcy has not been dismissed. I was forced to file bankruptcy because I was hospitalized and shortly after I was released from the hospital my husband was hospitalized with a massive XXXX XXXX. We both have been affected by covid-19. My mortgage servicer has refused to assist us with mortgage assistance. we have been given the run around and misleading information. Spoke with Selene Finance customer service because I sent them request for mortgage assistance with our financials XX/XX/2021, I was told the documents were received but the file was closed because it was not 37 days prior to foreclosure sale date. I asked how could they close my file when I was still in the bankruptcy? Her response was Selene was unaware I was in a Bankruptcy??????? 
We don't want to lose our home Please Help
Product: Checking or savings account

On XX/XX/2023, American Express National Bank closed my High Yield Savings Account without any previous notice. Some days before, on XX/XX/2023 my boyfriend made a wire transfer of XXXX $ to my HYSA. This amount was successfully transferred to the above-mentioned account. Since the bank closed my account, neither I nor my boyfriend could recover the amount anymore. 
So we initiated a process of recall. 
Reaching out to XXXX XXXX multiple times, we learned that to recall the funds they would need the external bank ( XXXX Bank ) to send them a Letter of Indemnity ( LOI ). On XX/XX/2023, an associate sent to American Express the LOI. XXXX XXXX never reached back to XXXX Bank to confirm that they received the letter previously requested and that they were releasing the funds. 
On XX/XX/2023 another attempt was made and another LOI was sent to American Express regarding the return of your funds in the amount of {$1000.00}. 

Please see attach documentation.
Product: Credit card or prepaid card

I agreed to have XXXX take out XXXX a month for credit monitoring. They suddenly started 4 months ago taking out XXXX. I called XXXX and I got no response. I also called Barclays and I talked to a manager named " XXXX ''. He is refusing to give me another credit card number. He is also refusing to investigate the charge because he says I need a copy of the contract. I do not have a contract. They are obligated to contact XXXX.
Product: Credit reporting or other personal consumer reports

Based on the XXXX XXXX XXXX credit report provided, the following potential FCRA violations may apply : 1. Reporting of Future Dates ( FCRA Section 623 ) Date Opened is listed as XX/XX/year>, and the Balance Updated date is XX/XX/year>. 
Reporting future dates is a clear violation of the FCRAs accuracy requirement under Section 623. Creditors and credit reporting agencies must report factual, accurate, and current information. Future dates misrepresent the status of the account.

2. Collection Account with Past Due Amount The account is noted as a Collection account with a past due amount of {$2200.00}.

Once an account is transferred to collections, it is typically considered closed and written off. Reporting a past due amount alongside a collection status can be misleading and inaccurately portray the accounts current state, violating the FCRAs accuracy standards.

3. Incomplete or Misleading Information The Terms section is blank, yet the report indicates a balance and past due amount.

Incomplete information that causes confusion can violate FCRA Section 607 ( b ), which requires credit reporting agencies to ensure reports are complete and not misleading.

4. Consumer Dispute Not Properly Investigated The comments indicate that the account information is disputed by consumer under the FCRA.

If the credit reporting agency or furnisher has not conducted a thorough investigation and continues to report inaccuracies, it violates the 30-day dispute resolution requirement under FCRA Section 611.
Product: Checking or savings account

I was banking with Rockland Trust Bank and I was at work when they called me to ask if someone deposited money into my account, which I was unaware of. I believe my identity was stole or someone hacked my account and deposited a check into my account. Causing my bank to think it was me, when I had nothing to do with it. I want to be able to bank with them but they closed my account stating I can not open another account with them. Which I believe is unfair. This happened last summer around XXXXXXXX XXXX XXXX
Product: Credit card

The company made a brand new app and reset everyones passwords. When I signed up I contacted them multiple times letting them know it will not allow me to sign up. The guy reset my account and I tried again and it still didnt work. He said he would put a ticket in and it would be resolved in XXXX hours. It was never resolved so now I have a late fee. They dont want to wave it and want me to pay it and its not my fault Ive called multiple times about this problem. They want to charge me because they took the app away and they have hung up on me multiple times Im compeletely stressed out after dealing with them and still have got access to my online account to pay my bill. Hopefully you can help
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX  Account number XXXX In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX 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 XXXX XXXX Account number XXXX In accordance with the Fair Credit Reporting act XXXXXXXX XXXX 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 XXXX XXXX XXXX  Account number XXXX In accordance with the Fair Credit Reporting act XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX  number XXXX In accordance with the Fair Credit Reporting act XXXX XXXX XXXX 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 XXXX XXXX XXXX  Account number XXXX In accordance with the Fair Credit Reporting act XXXX XXXX XXXX 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 XXXX XXXX XXXX Account number XXXX In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  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 XXXX XXXX XXXXXXXX XXXX Account number XXXX In accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX XXXX 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 XXXX XXXX, XXXX Account number XXXX In accordance with the Fair Credit Reporting acXXXX XXXX XXXX, XXXX 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 an account without my written instructions. These accounts were open fraudulently without my written instructions.
Product: Credit reporting or other personal consumer reports

Dear sir and or madam please see attached of bureus response 's there is proof I did request my reports, attached is the same documents I attached in all three envelopes to TransUnion XXXXXXXX XXXX XXXXXXXX proof of idenity I AM NOT PUTTING THIS IN THE MAIL AGAIN this is how identity is stolen and I don't appreciate them asking for it over and over again, as well I don't appreciate there emails to me soliciting credit watch and easy access to my files XXXX for a fee, if you notice there asking me to supply this information attached again, in attached clearly stating I filed a dispute when I don't even know what is accurate or not only thing I asked for with attachments included requested my report and ask them with supporting documents to add a consumer statement to say : Anyone trying to extend credit in my name to call my cell phone first @ ( XXXX ) XXXX as you can see and still not resolved I have supplied PROOF CFPB that you must protect us from companies like this and I am holding you responsible for failure forcing them to comply OI BETTER HAVE MY FULL REPORTS BY THE XXXX XXXX XXXX XXXX XXXX days are up
Product: Credit card or prepaid card

On XX/XX/XXXX, I received notification that itinerary XXXX booked via Chase 's XXXX Rewards portal had a schedule change made by the airline of greater than 4 hours. On same date, I called to determine options for cancellation of this itenerary and was advised that I could cancel and request a refund from the airline, which I did and is also the subject of a Department of Transportation complaint case # XXXX. Today, on XX/XX/XXXX, I logged into my Chase Account to determine the status of the refund, and wish to note that the airline has refunded the monies paid via an airline credit, which is not what I agreed to at the time of cancellation ( cancellation was a result of the airline scheudle change ).