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

Early morning of XX/XX/XXXX, I attempted to pay a couple of bills online with JP Morgan Chase. Chase, for an unknown reason, decided to lock my accounts preventing me to access my accounts or funds. I was told " We locked your account to protect it from suspicious activity. To unlock it, call XXXX. '' I found NOTHING suspicious about this activity. 

I called the number provided around XXXX. After an hour + wait time, the representative put me though an extensive security check. Once complete, the representative stated, " We can no go ahead and unlock your account. However, before doing so, I need you to answer ... '' Then she proceeded to ask me, who I'm paying. Fine, I understand that question. But then she asks, why am I paying them and how long have I known them. When I explained I didn't think that was her business, she said she this was JPM 's policy and she would escalate this. After about 30 more minutes on hold, I was hung up on. I attempted to call back, but have about a 45 minute hold time, I hung up. I called the executive team, and spoke with XXXX. XXXX expressed how she understood and she was going to make this an urgent case. After about 2 hours of no response, I attempted to call senior management. All phone numbers to JPM forwarded my call back to the regular customer service of a 30 to 45 minute wait. However, I did get through to XXXX XXXX. The most XXXX was able to do, was to tell me he had another call, and that I dialed the wrong number. Then he hung up on me. 

I called back the executive office to speak with another placating and useless individual named XXXX. No help. I called back again and spoke with XXXX. XXXX was o no help as well, except to state he does not know when someone will call me back. 

It is now XXXX on Friday. JPM locked my accounts, took away access to all my money, and then told me to wait around and perhaps, if I'm lucky, maybe someone will help me today. Otherwise, I can wait until Monday to have access to my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX reported derogatory information on my credit report to the following bureaus : XXXX, Equifax, and XXXX The information reported was late-payment for the month of XXXX. Ms. XXXX, the consumer, experienced a hardship due to an erroneous mistake from the IRS in the month of XXXX, whereas, the consumer 's account was locked by the XXXX XXXX XXXX XXXX XXXX : in this case, payment was not able to be processed. For the month of XXXX, the consumer requested a deferment due to the Pandemic and hardship faced. In the month of XXXX, the consumer did her best to make a payment, at which, XXXX allocated that payment for the month of XXXX. The consumer returned to work during at 40 % on Phase II on XX/XX/2020. XXXX reported that payment 30-days late ; after knowing, the current situation-at-hand dealing with the Pandemic and tough financial decision. The consumer has leased two cars from XXXX and has never been late! This is the first-time! The consumer was able to re-finance the car with her credit union at a lower-rate ; and, the balance owed on the account was paid-in-full on XXXX, XXXX. XXXX never considered the consumer 's financial-hardship for the month of XXXX, and, refused to take into consideration, the consumer 's commitment in leasing two-cars for the past six-years ; and has never been late! The consumer 's FICO score was decreased by 100-points! In addition, the consumer takes her credit-score very seriously ; and has been on-point with paying on time for the past three-years. Having this derogatory information removed with fairness and non-judgemental, will allowed the consumer to feel secure knowing, that XXXX has the consumer 's best interest at heart and, that her secret-clearance will not be severed by XXXX 's determination to not attempting to remove negative information on my credit-report during a hardship and devastating time due to the COVid-19 Pandemic.
Product: Credit reporting

I received a letter from Experian dated XXXX XXXX, 2016 stating that a creditor reported changes made to my name, address or SSN in the last 30 days. Upon receipt of the letter, I attempted to contact Experian multiple times via phone and on-line to identify specifics. I reviewed my credit report from Experian on-line and found XXXX inaccuracy which was a name change ( which I have never used ). I attempted to address this on line but was unable to do this on their site. I am still unsure if this was the reported inaccuracy on my report. In spite of going through multiple agencies ( my bank, FTC, and CFPB ), using all of the listed Experian phone contact numbers, I have been unable to contact a live person with whom to investigate and resolve this problem.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX is reporting INCORRECT information. This account is PAST the 7 year mark to be removed from my 3 credit reports. My last payment with PROOF was on XXXX XXXX  2014! in the amount of {$330.00} The car was a lemon and I have proof engine blew from the attorney general XXXX XXXX of the state of Florida. This account needs to be removed ASAP over the 7 year mark. Account # XXXX  This information is only to be used to remove this zombie debt from my 3 credit reports and is not to be used for inside arm debt collectors.
Product: Money transfers

XXXX sent XXXX wire transfers to XXXX XXXX bank in XXXX, Texas to an account that was set up pretending to be one of our main suppliers of products ( XXXX XXXX ). Wires totaling {$120000.00} that should have gone to our suppler in XXXX, were received by some 3rd party at XXXX XXXX pretending to be XXXX XXXX.
Product: Bank account or service

I have been locked out of my Wells Fargo online accounts since the evening of Sunday, XX/XX/XXXX. I am told this is a matter impacting many users. XXXX was to call back an update my status, but they have not done so. The tech support team does not answer their line.
Product: Debt collection

My issue is with discover collections, they are repeatedly calling me up to 5 times a day. I am being harassed and called constantly in XXXX minute intervals from discover, an agent, and repeated calls from numbers that hang up immediately when answered. I am being called late at night after XXXX XXXX and sometimes in the early morning. This is excessive and harassment and is causing myself and my family emotional distress. They are calling my relatives even after I have repeatedly asked them to contact by mail with proof of debt and charges. I only receive statements in the mails nothing else. I have attached screenshots of my most recent calls to show as an example.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX are reporting a debt to my report without my my consent. they are doing this without my written instruction. they continue to violate my privacy rights. Niether of these companies have certificate of authority to transact business in Michigan. They are not showing me any contract that shows i owe anything and if they did it would be an admission of violating multitudes of state and federal law without penalties and liabilities well over XXXX dollars. this violates the XXXX, FDCPA, GLBA, FACTA, Post Office Act. Wire Fraud Act. that's just the start. there's also multitudes of state law and public policy in violation.

In addition The Fair Credit Reporting Act states multiple times the importance due diligence, accuracy and the grave responsibility of reporting agencies. this information is inaccurate illegal and must be removed promptly in accordance with the law.
Product: Credit card or prepaid card

On XX/XX/19 Capital One took a double payment for the statement balance on my account in the amount of {$4800.00}. I called in to ask the bank to reverse one of the two payments and they refused. I requested a supervisor and spoke with XXXX, operator # XXXX supervisor at Capital One bank, I then asked about getting a ACH sent back for one of the two double payments and they said they needed to call my bank. I allowed that in a conference call and my bank confirmed that a double payment had gone through. Capital One then told me they were going to make me wait 3 weeks for the refund to be processed. This is entirely unacceptable to refuse to reverse a payment and hold my funds hostage for 3 weeks.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I did not authorize anyone employed by these companies to make any inquiry and view my credit report. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number.While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : List all inquiries the name of the company and the date it was added to your credit report. 
I did not authorize these inquiries XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired On XX/XX/XXXX XXXX XXXXXXXX Inquired On XX/XX/XXXX
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. XXXX XXXX XXXX XXXX blance {$4600.00}, XXXX XXXX  etc. There are XXXX of these accounts open. This letter is addressing all XXXX accounts. U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 section 60a A Section 2 It also states a consumer reporting agency can not furnish an 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 items of information, other than records of convictions of crimes which antedates the report by more than XXXX XXXX 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

Early XXXX - late XXXX I called CSO financial to set up payments on my account. 
I was told I was unable to make any payments as they were suing me- and I had a pending judgement and had to wait to be served. 

Next month my ENTIRE bank account- leaving a balance of literally {$0.00} was garnished- which is also a joint account with my husband. 
Both bank accounts to be exact. 
Total taken was about {$2500.00}. 

I had other pending charges- and bills due and now face overdraft fees, NOR have money to even buy food or gas for my children. 

No notice of garnishment. No notice of judgement - wouldnt even accept Payments when I Tried. 

I believe they should have left some money in the account- how are people supposed to live?
Product: Payday loan, title loan, personal loan, or advance loan

I received a letter in the mail on XX/XX/year> saying I Was turned down for a loan I DID NOT APPLY FOR. They rain my credit without my authorization and it caused my score to droop below XXXX for the first time in a LONG time. I called and chatted with them and they basically said to go away, didn't want to help. Citibank reference # XXXX. The website when I went to log in said they even if I HAD tried applying there was no credit pull but I NEVER EVER EVER ALLOWED THEM TO RUN MY CREDIT nor did I apply for a loan. 

I want to sure them if I can for damages under the FCRA.
Product: Credit reporting

I HAVE DISPUTED THESE ITEMS TO BE REMOVED BE OFF MY CREDIT REPORT AND IT SEEMS AS IF THEY REFUSE TO REMOVE THE ITEMS OFF MY CREDIT REPORT FROM ALL OF THE 3 OF THE CREDIT BUREAUS AFTER ATTEMPTING TO DISPUTE MULTIPLE TIMES. I HAVE SUPPORTING DOCUMENTS THAT SUPPORT MY CASE.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following companies ran unauthorized credit inquiries on my credit report. These are suspicious to me and so kindly delete asap: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: Debt collection

XXXX based in XXXX, Ga contacted me numerous times via phone calls to try to collect a dept they said I owed from an online payday loan. They said this dept was submitted to them on around XXXX from 2 years before this. On XXXX XXXX finally told me this dept was from INSIGHT CAPITAL LLC. When I googled both of these companies via XXXX XXXX & Insight Capital LLC, they both have numerous complaints from others of being srams in attempting to collect money under false claims. XXXX contacted me from the phone # XXXX XXXX XXXX XXXX and they had my bank account information. I have NEVER been contacted by Insight Capital.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXXXXXX XXXX Balance : {$2700.00} XXXX XXXX XXXX XXXX Balance : {$1700.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for an car I was told they would only pull from XXXX now I have XXXX inquiries XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

Incorrect addresses are reporting on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX WAY XXXX XXXX XXXX XXXX XXXX, FL XXXX
Product: Debt collection

Credit control corp place a collection account on my credit report.

I never received any email or letter providing any info on the account. 
I contacted the company asked for a detailed list of what I was being charged for and didnt receive it
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX-time requesting that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX XXXX XXXX XXXX KY XXXX XXXX XXXX XXXX Balance XXXX {$7100.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$75.00} XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$64.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$300.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$85.00} XXXX & XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$160.00} XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$64.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$300.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$85.00} XXXX & XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$160.00} XXXX XXXX XXXX Balance : {$7100.00} XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX Balance XXXX {$7100.00} XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I'M DONE ASKING NICELY. I'VE SENT YOU NUMEROUS LETTERS INFORMING THERE IS INACCURATE, ERRONEOUS and UNVERIFIABLE INFORMATION ON MY CREDIT REPORT. You are required under the FCRA to have a copies of the original creditors documentation on file to verify that this information is 100 % true, accurate and correct. 
In the results of your numerous investigations and subsequent reinvestigations, you stated in writing that you verified that this item is being reported correctly? I'VE ASKED YOU " WHO VERIFIED THIS ACCOUNT? You have NOT provided me a copy of ANY original documentation, OR COPIES FOR THAT MATTER, as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

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

Since you CLAIM TO HAVE VERIFIED THIS ACCOUNT BUT HAVE NOT PROVIDED ME WITH ANY INFORMATION. I WILL GIVE YOU ONE LAST CHANCE TO UPDATE '' THE FOLLOWING ACCOUNT. 
Please update the following account, or inaccurate information, from my file immediately & send me the results to the address listed XXXX XXXXXXXX
Product: Mortgage

On XX/XX/year>, I submitted a written request to close my escrow account and have the balance refunded to help lower my monthly payments. I explained that I am struggling to make my payments, and each month I am 30 days late, my interest rate increases from XXXX  % to XXXX  %, making it nearly impossible to catch up. 

Throughout XXXX, I made several follow-up calls, and I contacted customer service again on XX/XX/XXXX and XX/XX/XXXX. Each time, I was informed by different agents that my request to close the escrow account was approved and the refund had been processed, but I have yet to receive the check. 

I then asked for my case to be escalated. A XXXX informed me that, while my request is still being processed and I do qualify for the refund, it is taking too long and was NOT yet approved. He said he would escalate the matter himself to expedite the process. 

At this point, it feels like there is no urgency from the lender, as they are benefitting from charging the default interest rate, and there is no rush to issue my escrow refund, which would help me get current on my paymentssomething I have repeatedly communicated to them.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my six attempt to notify you that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 

These accounts are unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind.

( 1 ) In general. A consumer reporting agency may decline to block, or may rescind any block, of information relating to a consumer under this section, if the consumer reporting agency reasonably determines the following : ( A ) the information was blocked in error or a block was requested by the consumer in error ; ( B ) the information was blocked, or a block was requested by the consumer, on the basis of a material misrepresentation of fact by the consumer relevant to the request to block ; or ( C ) The consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions. 

Again, the accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block or remove the reporting of any information in my credit file that resulted from an alleged identity theft. 

XXXX XXXX XXXX Date Opened : XX/XX/2013 Balance : {$25000.00} and XXXX  XXXX XXXX Date Opened : XX/XX/2013 Balance : {$14000.00}.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX XXXXATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account NaXXXX 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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX accordance with the Fair Credit Reporting act, XXXX XXXX TRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX  as well as the requested removal of all invalid Residences and inaccurate name spelling and showing which ive requested to be removed countlesss of times XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX all inaccurate name spelling ALL accounts and furnisher and Credit reporting agencies have 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.

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. 

ALSO : 15 U.S.C. 1681-1681y, imposes responsibilities on all persons who furnish information to consumer reporting agencies ( CRAs ). These responsibilities are found in Section 623 of the FCRA, 15 U.S.C. 1681s-2. State law may impose additional requirements on furnishers. All furnishers of information to CRAs should become familiar with the applicable laws and may want to consult with their counsel to ensure that they are in compliance.

The FCRA prohibits information furnishers from providing information to a CRA that they know or have reasonable cause to believe is inaccurate. However, the furnisher is not subject to this general prohibition if it clearly and conspicuously specifies an address to which consumers may write to notify the furnisher that certain information is inaccurate.

AND I have previously had these files deleted from the reporting agencies but I have yet to get a complete credit report update done within the system and these inaccurate and Fraudulent accounts still remain which is harming my ability to better my circumstances and situation. THESE ACCOUNTS NEED TO BE REMOVED AS THE INVESTIGATIONS HAS SAID. and I need an updated Credit report By Mail