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

This complaint concerns resolution of a fraudulent check presented to Chase Bank that was posted against my account. I have been working through my local bank ( XXXX XXXX ) branch for 13 weeks to try to spur resolution of the case but am told that it is in Chases hands, it could take months, and I am prohibited from getting any information from them directly. Details : I have had a business checking account with XXXXXXXX XXXX  since XXXX. 
I initially wrote a check to XXXX XXXX XXXX on XX/XX/XXXX for {$47.00}. 
That checks payee and amount were altered, presented to Chase Bank and the {$19000.00} check was posted to my XXXX XXXX account on XX/XX/XXXX ( copy of altered check attached ) I reported the situation to my local XXXX Bank branch manager, XXXX XXXX XXXX on XX/XX/XXXX. XXXX requested I fill out an affidavit of fraud and report it to the XXXX XXXX Police ( case # XXXX ). Both actions were completed by XX/XX/XXXX. I also requested to be immediately set up with positive pay to prevent further issues on my account. 
Chase Bank called me on XX/XX/XXXX and asked if I knew XXXX XXXX ( the payee of the fraudulent check ), to which I replied absolutely not. 
I followed up with the local XXXX branch 7 or 8 times over the next 2 1/2 months, and was told my case was with Chase Bank for investigation and that it would take a while. 
After inquiring on XX/XX/XXXX about the status, XXXX said they had no update and suggested I go back to the XXXX XXXX Police to see if they had an investigation update. At that point, it was apparent to me that we needed to move beyond the local office and I requested that someone above the branch level become involved. 
I then was referred to XXXX ( I don't have a last name, but the case # is XXXX ) at XXXXy XXXX XXXX Executive Client Relations XXXX. We spoke on XX/XX/XXXX and, while apologetic, XXXX said the matter was in Chase 's hands and they had no updates and couldn't help me further.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX my Ex had his car repo 'd in XXXX, that MONTH, I paid off the loan etc to get rid of issue. I went back to Ally and XXXX to report that this matter was STILL on my report in XXXX which I created a dispute. Ally turned around and claimed it was repo 'd in XXXX!???? I called them again pleading my case with NO LUCK. FIVE years later, I called XXXX asking them to dispute this on my credit and they told me they couldn't help me since already disputed??? Five years ago?? Today, I spoke to XXXX and they referred me to your website for help. XXXX agreed that after 10 years this should be removed. Can you PLEASE, PLEASE help me?
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed bankruptcy XX/XX/18 and XXXX XXXX was included in the bankruptcy that was totally discharged in XX/XX/18. This company has not reported on my credit report that the loan was included on the bankruptcy.
Product: Credit reporting or other personal consumer reports

Hello, my name is XXXX XXXX. I am writing to demand that my privacy rights be respected. 

Transunion, XXXX and XXXX are in violation of my privacy which the government has sworn to uphold. As a US-based business they should follow the law. Not only have they violated my rights to privacy, but they have also violated the FRCA. They are sharing my information without authorization, consent or written instruction. I have no contracts with these consumer reporting agencies, and they have no excuse for sharing my information with their affiliates. This is invasion of my privacy and extortion. They are threatening to continue disclosing my personal information until I pay. 

This is also a violation of the criminal code 18 U.S. code 1343. They are using multiple sources to promote and propagate fraud, extortion and identity theft, 18 U.S. code 1028. 

In addition to these blatant violations, there are still more problems unresolved. I expect all late payments to be removed and transactions to be excluded from my report. So much of the FRCA has been violated that I have grown weary of finding violations. I will simply list them as follows : 1. 15 U.S. code 1681a 2. 15 U.S. code 1681b 3. 15 U.S. code 1681c 4. 15 U.S. code 1681i I am demanding the cease of improper reporting and knowing violations as per 15 U.S. code 1681s.

In order for equitable relief, I demand the following items be corrected and/or removed without delay and rapid restoration of my report and score, or I will be forced to instruct the CFPB and FTC to do a thorough investigation. 
1. XXXX XXXX - XXXX - account removed from my report. 
2. XXXX XXXX XXXX- all late payments removed and listed as " paid as agreed ''. 
3.XXXX  XXXX- all late payments removed and listed as " paid as agreed ''. 
4. All 7 inquiries. 
5. To have all addresses except " XXXX XXXX XXXX, XXXX, Pa XXXX '' be removed from my consumer report. 
6. To have all employers except for " XXXX XXXX '' removed from my consumer report. 
7. To have names except for " XXXX XXXX '' removed from my consumer report.
Product: Credit reporting or other personal consumer reports

I disputed XXXX items I request that proof of identity be shown abd proof of my signature on theses documents they denied my claim and did not provide the documentation requested. The listed debt was not done by me and under fraudulent prentices. 

XXXX XXXX XXXX {$690.00} XXXX XXXX {$420.00}
Product: Credit reporting or other personal consumer reports

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit cardXXXX account under an open end consumer credit plan as late for XXXX and purpose. 

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

Pulled my credit report ( XXXX ) XX/XX/2021. Notice another name besides mines had pop up within the reports. Sent numerous of documentation to prove who I am and to resolve the issue that has failed to be fixed for the name/file/mixup. I've included ; social, identification and bank statement to further expedite this resolution.
Product: Debt collection

I have been dealing with Jefferson Capital for many years. They harass me from a bill that is 14 years old and was taken care of 13 years ago. They still will not leave me alone. They have gone over the Statute of Limitations and will not clear the debt that has been paid. They have been harassing me all these years for {$1000.00}, I can not take it any more. I have contacted them and they are so pushy they do not want to get off the phone with you without you paying them money that you do not owe.
Product: Checking or savings account

On XX/XX/16 I tried to make an online purchase from a company I frequently make purchases from. I have had subscriptions with this company using my debit card. Today I put my information in and got a not yet authorized message try again. The whole time I am trying again thinking I did something wrong because I had more than enough money to cover the XXXX purchase. I even tried another item for XXXX thinking that item for XXXX might be out. After several attempts and giving up. I get 1 text from Bank of America asking me if I authorized a payment to the company for XXXX. I said yes. The text tells me to go back and make the purchase again. I did and it went through. I look.on my online account and BOA has charged XXXX not once but every time I tried a total of 8 times plus 2 times when I tried another product for XXXX to see if that would go through. They reversed the XXXX one time. Why are my purchases being declined without telling me when the money is there? Resulting in XXXX of my money being held up. The email they sent me was for 1 transaction and even told me to go back and try again. I had more than enough money in my account before and was declined at the grocery store. I was later told I don't normally shop there. I had shopped there many times before. Am I only allowed to shop in my neighborhood.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The 3 Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please update the following accounts completely from my Credit Reports : XXXXXXXX XXXXXXXX Balance : {$2000.00} ; XXXX XXXX Balance : {$850.00} ; XXXX  XXXX Balance : {$1300.00} XXXX XXXX XXXX XXXX Balance : {$470.00} ; XXXX XXXXXXXX XXXX Balance : {$870.00} ; XXXX  XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance XXXX {$690.00} ; XXXX XXXX Balance : {$670.00} XXXX XXXX XXXX XXXX XXXX Balance : {$1400.00} ; XXXX  XXXX Bankruptcy XXXX Date Filed : XX/XX/ ; XXXX XXXX  Bankruptcy XXXX Date Filed : XX/XX/
Product: Credit reporting or other personal consumer reports

I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report, I have identified several significant discrepancies that are not reflective of my actions or financial history. Specifically, these inaccuracies involve accounts I never opened, personal information that is incorrect, and inquiries made without my consent. I kindly request your investigation and removal of the following items : Personal Information : Former : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 have disputed the inaccurate reportings with XXXX, Experian, and XXXX  several times to no avail. The following addresses are incorrect and do not belong to me, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. I never paid the following accounts late, XXXX XXXX : XXXX  is reporting a payment status of current but then reporting late payments of 30 days late for XX/XX/XXXX, XXXX and XX/XX/XXXX, 60 days late in XX/XX/XXXX, Experian is reporting a payment status of current but then reporting late payments of 30 days late for XX/XX/XXXX, XXXX andXX/XX/XXXX, 60 days late in XX/XX/XXXX and XXXX  is reporting a payment status of current but then reporting late payments of 60 days late for XX/XX/XXXX, and 30 days late for XXXX and XX/XX/XXXX, XXXX : XXXX  is reporting a payment status of Late 30 Days but does not provide the dates the account was 30 days late, Experian is reporting a payment status of Unknown and not reporting any late payments, XXXX is not reporting this account. The following accounts do not belong to me and should be removed from my credit file, XXXX  : Account Number : XXXX XXXX  is not reporting this account, Experian  is not reporting this account XXXX   is reporting an opened date of XX/XX/XXXX with a past due balance of {$600.00}, XXXX XXXX : Account Number XXXX XXXX is not reporting this account, Experian is not reporting this account and XXXX  is reporting an opened date of XX/XX/XXXX with a past due balance of {$890.00}, XXXX : Account Number XXXX XXXX  is reporting an opened date of XX/XX/XXXX with an unknown past due balance, Experian  is reporting an opened date of XX/XX/XXXX with an unknown past due balance, XXXX   is not reporting this account, XXXX XXXX Account Number XXXX XXXX  is not reporting this account, Experian is reporting an opened date of XX/XX/XXXX with an unknown past due balance and XXXX is not reporting this account, Chapter XXXX Bankruptcy Reference # : XXXX XXXX  is reporting a filed date of XX/XX/XXXX and a closing date of XX/XX/XXXX, Experian and XXXX are not reporting this bankruptcy. I have reached out to the credit bureaus to help me in getting this matter resolved. Is XXXX, Experian and XXXX  considered to be furnishers? These accounts either do not belong to me or were not paid late and XXXX, Experian and XXXX  have failed to plead their case to who has provided them with this false information. Please help me to get this matter resolved.
Product: Mortgage

I did not originally initiate my mortgage with Wells Fargo, they bought the mortgage a number of years ago. I did not have an escrow account on the original mortgage. I have been paying my monthly payment, and my own taxes and insurance with no issue. This year I was late on property taxes for XXXX, and got a letter from WF stating it was a violation of mortgage to be late on property taxes which I was unaware of. I had been working with the local tax authority to catch up, and paid in full on XX/XX/XXXX, posted XX/XX/XXXX. I received a letter from WF dated XXXX stating that since my taxes had not been paid by that date, they had paid the taxes on my behalf, ( this did not post to the taxing authority until XX/XX/XXXX ) and force placed an escrow on my mortgage. I immediately called, and spoke with someone, told them the taxes had been paid and they needed to work with the tax authority to get a refund. I got another letter on XX/XX/XXXX that I misread ( I thought it said a refund had been received and all was good ). I received a couple others regarding a XXXX payment required and an {$800.00} increase on my monthly payment. I thought the refund had been provided, and I ignored. On XX/XX/XXXX I got an email stating my payment was past due, and checked on my bank site as well as WF site and saw my normal payment had been made. They made another payment to the local taxing authority a few days later! It turns out the letter I misread had a number of statements, and I read the first, the one checked was refund was denied. I've now been talking with WF for 2 weeks. The root cause is that XXXX, an agent of Wells Fargo had sent the XXXX payment without using the XXXX BillID as required. Had they done so, the payment would have been returned, instead it was applied to the XXXX tax bill, which wasn't due at that time. The local taxing authority does not refund unless it is in excess of the amount. I have been unable to get this resolved, in numerous calls, and every call starts back at the beginning, and the person I thought was working my case does not return calls. I just spent another hour on the phone, spoke with 4 different people, and the last one was " getting up to speed '' when the call dropped. They did not call me back.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. This account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 In accordance with the Fair Debt Collection Practices Act. Debt collectors are not allowed to communicate with me under the 15 USC 1692C
Product: Debt collection

On XX/XX/XXXX, I received an email from a collection agency : Radius Global Solutions LLC XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX Toll Free : ( XXXX ) XXXX They claimed my name was : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, OH XXXX The amount they were trying to collect was owed to Ohio XXXX was an XXXX XXXX bill of {$1900.00} as of XX/XX/XXXX. 
The email also stated if I didn't respond by XX/XX/XXXX they would assume their information is correct and they would start the collection process. 

I have lived at my current address since XXXX : XXXX XXXX XXXX XXXX 
XXXX, TX XXXX I did live in Ohio from XXXX till XXXX but never in XXXX OH or an XXXX. 

Somehow they picked my email and claimed I am XXXX XXXX. 

I called and informed them the I wasn't the one they were looking for.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is not providing update information to my credit report. XXXX XXXXt shows a different balance on website than on credit report as well as payment history is not updated. I have previously dispute this item with the credit bureaus with no assistance, information is coming back verified each dispute. diverse which is showing in my credit report has no information on my credit file.
Product: Debt collection

Subject : Debt Validation Request Reference # : XXXX To Whom It May Concern, I am writing in response to your recent co

mmunication regarding an alleged debt you claim I owe. Please take notice that this is not an acknowledgment or acceptance of the debt. I am requesting that you provide validation and verification of the debt under my rights as outlined in the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.

Under the FDCPA, I am entitled to request the following information within 30 days of receipt of your notice : 1.The name and address of the original creditor 2.Chain of Title or Chain of Assignment 3.The day of the first delinquency 4.The day of the last payment and the amount 5.A detailed explanation of how the amount claimed was calculated, including any fees, interest, or other charges ; 6.Verification of my liability, including any documentation proving that I agreed to pay what you claim I owe. 
XXXX also request that you cease any further collection activity or reporting to credit bureaus regarding this debt until you have provided the requested documentation to verify the validity of the debt. Failure to comply with this request within the time allowed may be a violation of the FDCPA and other applicable laws.

Additionally, please note that under the FDCPA : You are prohibited from contacting me about this alleged debt other than to provide the requested verification or to notify me of your intent to cease collection efforts. 
You must cease all collection efforts, including phone calls, letters, or other communication until you have supplied the requested debt validation. 
If you are unable to provide the requested documentation within the time required, you must cease collection efforts and remove any adverse information you have reported to the credit reporting agencies about this alleged debt Thank you for your prompt attention to this matter. I look forward to receiving the necessary verification of the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received an email from Prosper about a loan? I was very confused as I have never heard of Prosper and they sent an email stating I applied for a loan but was denied. I never went through a process or asked for any loan through them. I'm not sure why that popped up but they must remove the inquiry from my credit. I never applied for a loan and quite honestly, I'm very concerned that they received any personal information.
Product: Credit reporting or other personal consumer reports

Mortgage ( Fifth Third bank ) company reported a 30 day late on my credit report for month of XX/XX/ in XX/XX/XXXX XXXX  before the 30 days. 

I was dealing with a medical emergency out of country and told them Id make the payment. It was on auto pay but apparently it didnt get set up through their system. I was also in process of buying a home and this issue on my credit came up and prevented me from being able to close on purchase which led to me losing money as well.
Product: Checking or savings account

I opened a checking account with Chase Bank in XX/XX/XXXX and had a monthly IRA distribution electronically deposited. Beginning in XX/XX/XXXX and yearly after that I had money electronically transferred to pay my and my wife 's long term care policy premiums. in XXXX my long term care insurance company by letter told me my bank account was blocked /frozen. The couldn't get the payment. I was never notified by XXXXhase that this action was taking place. Every month I received a statement from Chase with my Ira deposits listed and the balance in my account, indicating they knew my address. I called their customer service department to get information ; they directed me to my local bank. At the local bank they reinstated the account. They said the account was blocked because I had no personal dealings with them for 30 months ; although they received my IRA distributions and sent me a monthly statement. At the local branch I enquired about not being notified about this blockage. The representative tried to find out by telephone who was responsible for these notifications ; after about 15 minutes she said she couldn't find out who was responsible and I should be happy the account was unblocked. I think the banks should by law notify their clients about this process. I think this also occurred because I also used Chase to get foreign currency when I traveled. Because of Covid I haven't traveled for three years.