23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

CLAIM ID : XXXX This claim has been submitted to Chase Customer Claim Department , disputing a charge of {$58.00} to my credit card account posted on XX/XX/year>. The charge is in error because it was not authorized by me. 

I did reach out to the merchant in-person to correct this error ; the service staff has agreed that this charge should be voided ; however the charge is still posted. 

Here is the timeline after the dispute was submitted to Chase. 

On XX/XX/year>, Chase sent a notice and requested me to fill out a form On XX/XX/year>, I responded with the requested information plus supporting document On XX/XX/year>, according to Chase online banking, the dispute claim has been opened by Chase ; On XX/XX/year>, the claim was closed by Chase. Chase sent me a notice We resolved your disputes ; the result is no credit, and the investigation summary seems irrelevant to my case ; the reasoning makes no sense to me. 

I would like to exercise my rights under FCRA ( Fair Credit Reporting Act ) and file a complaint with the CFPB regarding this potential negligent FCRA violation. 

I am also requesting Chase to reopen this claim immediately and correct the error on my account promptly.
Product: Mortgage

I am third party authorized for my client XXXX XXXX XXXX XXXX who had his home equity stolen from him through deed fraud and my company through XXXX XXXX ( a ) have been able to revert the deed back in his name. I contacted the servicer that was assigned his defaulted mortgage ( Shellpoint Mortgage ) and they informed that they conducted a short sale on the property in XXXX XXXX for the sum of {$420000.00}. I told them that was impossible no transfer of title or satisfaction of mortgage was ever recorded with the State of NY. They even told me who purchased the property through a short sale with there company. ( XXXX XXXX XXXX ). There is some serious fraud indicated here. I called back a second time on XXXX/XXXX/XXXX and they were not willing to speak to me even though I was authorized to do so.
Product: Checking or savings account

In XX/XX/2017, BBVA Compass bank was offering a bonus of {$200.00} when a consumer open a new checking account and make a direct deposit of at least {$300.00} within 60 days of account opening ; I opened " ClearChoice Free '' checking account in XX/XX/2017, and made 1st direct deposit within 60 days from account opening ; I have NOT received the {$200.00} bonus as promised ; I made numerous phone calls to customer service, there is no resolution on this issue ;
Product: Credit reporting or other personal consumer reports

VALIDATION AND CEASE AND DESIST XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Account number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX Dear XXXX XXXX XXXX XXXX XXXX XXXX XXXX I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information The name and address of the original creditor and the current creditor.

1. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

2. Full complete and correct social security number to help identify me as the correct person you are trying to collect from 3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.

Please cease and desist from collecting on this debt until you have provided validation of the debt.

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt.

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX IS A COLLECTION AGENCY THAT IS REPORTING NEGATIVE INFORMATION ON MY CREDIT REPORT. THE INFORMATION THAT THEY ARE REPORTING IS IN CASE OF A DEBT THAT I SUPPOSEDLY OWE ON BEHALF OF XXXX. 

THE DEBT IN QUESTION HAS BEEN DISCHARGED BY THE ORIGINAL CREDITOR AND I HAVE RECEIVED A 1099C COPY B FROM THEM CONFIRMING THIS. 

XXXX XXXX XXXX IS ATTEMPTING TO COLLECT A DEBT THAT ONE, DOES NOT BELONG TO THEM AND TWO, THAT IS ALREADY DISCHARGED. THEY CAN'T COLLECT ON A CHARGED-OFF OR DISCHAGRED ACCOUNT. AFTER ALL, IT IS CONSIDERED TAXABLE INCOME. 

I HAVE BEEN GOING BACK AND FORTH WITH THEM FOR MONTHS AND HAVE YET TO GET THE INFORMATION REMOVED FROM MY CREDIT REPORT. 

IT IS THE CFPB 'S RESPONSIBILITY TO HOLD THE COMPANY ACCOUNTABLE AND TO REFRAIN FROM ALLOWING THEM TO REPORT INCORRECT INFORMATION ON MY CREDIT REPORT.
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, DP OF EDUC XXXX, DP OF EDUC XXXX, XXXX XXXX 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

The didnt provide enough information to verify this debt. They need to provide a contract bearing my signature
Product: Student loan

I am paying over the amount of my monthly minimum payment and the company will not let me elect to have my overage payment go towards principal only. This was for a XXXX study loan.
Product: Credit reporting or other personal consumer reports

To whom it XXXX concern : I am also requesting a copy of my updated credit report.I have the right to contest any information on my credit report that I believe is inaccurate. So, I am contesting any information on my credit report that I believe is not accurate. The data included in this document must be documented and validated before it can go onto the actual reports! The allegations of delinquency and derogatoriness are without evidence, so I refuse to accept them as true. Let me take a moment to inform you that the reportability of this allegation has been challenged. It doesn't meet federal or state requirements for reporting, so please make sure it's as accurate and thorough in its entirety before submitting anything! The law requires that you make sure all of your claims are accurate and reported in the correct format. This is a great way to ensure compliance with regulations, so we hope this reminder helps! All of our information must be reported accurately and in accordance with Metro 2 regulations or else you could face fines! AGAIN! Please take this seriously. I am writing to remind you that all your claims need accurate reporting in order for them to be reported correctly, which is required by law ( FCRA ) and Metro 2 standards.For any account that is alleged to be delinquent or derogatory, I would like evidence showing why you and the company who provided the data to you considers the financial state as such. The law requires that I have proof of a permissible purpose for any inquiry within my report. Therefore, Im requesting that you verify permissible purpose was provided for each account and inquiry. You have 30 days to investigate this matter and confirm that it is being reported correctly or remove any errors from the report. I am looking forward to receiving your proof of action and my updated credit report.These allegations appear to be false. Please provide evidence for each claim. If any of these claims are not true, please delete them immediately. I am also requesting a copy of my updated credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the following account : Account Name : XXXX XXXX XXXXXXXX Account number : # XXXX with XXXX XXXX Experian, and XXXX XXXX multiple occasions over several years. 

I have requested a re-investigation and verification of the account, but the agencies only respond with automated letters, failing to comply with the law and violating my consumer rights. However, they stated everything was complete and accurate, but how is that possible if the last date reported, date last activity, Status, date last payment and much more is inaccurate? 

How can explain that after being reported as a charge-off for several months, it suddenly now appears as a collection account. One agency reports one amount for the charge-off, while another agency reports a different amount. Also they do not report that the account is being disputed All these inaccuracies and violations limit my ability to obtain new credit cards, better interest rates, damage my personal finances, and currently prevent me from accessing the purchase of a home for my family.

According to 15 USC 168 1i ( 5 ) they are supposed to modify or delete accounts that aren't reporting correctly.

Also, 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.

15 USC 1681 SECTION 602 A. States I have the right to privacy.

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

15 USC 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 crimea which antedates the report by more than seven years.

15 USC 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.

Also they arent even in compliance with metro 2 credit reporting. I have evidence attached to prove my case.
Product: Debt collection

In 2010 I lived in apartment that invest with rats in my building management said the build was aloud to leave. Which I did then this was place with a collection agency after the fact. Also the owner no longer own the property.
Product: Credit card or prepaid card

My Name is XXXX XXXX and I had XXXX XXXX XXXX while I was in the military, After I discharge from the Military I was not informed I had a balance due with XXXX XXXX XXXX I received no statements of any kind due to this my account went into collections. I was found out later in the XXXX that I had an account in collection for XXXX XXXX XXXX I paid this account and requested this account be deleted from my credit report AAFES sent me letter stating this account will be deleted however it has not been deleted and in attempt to delete this account has provided incorrect information to credit report agencies which are attached for XXXX it is saying my account in XX/XX/XXXX it was 120 days late which is not true and with XXXX it is reporting from XX/XX/XXXX to XX/XX/XXXX this account was in collections which is also not true because this account was paid in XX/XX/XXXX so from XXXX to XXXX my account should not be in Collections this is in Valuation for FCRA Fair Credit Reporting Act and the Military Lending act. also AAFES XXXX XXXX XXXX participated in aggressive collection act by taking money out of my Taxes and received a payment from myself which cause XXXX XXXX XXXX to receive a double payment.
Product: Credit reporting or other personal consumer reports

In accordance with fair credit reporting act.The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under usc. 1681 Account # XX/XX/year> XXXX, XX/XX/year> {$640.00}, XX/XX/year> XXXX has Violated my rights. 

15 u.s.c 1681 section 602A states I have the right of 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 1681 c ( 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 conviction of crimes antecedents the report by more than seven years.

15 u.s.c 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information relating to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX CONTINUES TO PUBLISH THE FOLLOWING INFORMATION EVEN AFTER I INFORMED THEM THAT THIS WAS DUE TO IDENTITY THEFT WITH SUPPORTING DOCUMENTATION FROM THE USPS POSTAL INSPECTION SERVICE CRIMINAL INVESTIGATIONS DIVISION AND A SIGNED AFFIDAVIT FROM A USPS EMPLOYEE NOTING THAT SEVERAL HEALTH INSURANCE AND SOCIAL SECURITY CARDS WERE ORDERED NOT BY ME AND SENT TO MY XXXX XXXX XXXXXXXX, XXXX XXXX MI XXXX. THE ACCT # IN QUESTION ON MY XXXX CREDIT REPORT IS : XXXX. I ALSO EXPLAINED TO THAT COMPANY THAT A COURT ORDERED CONSERVATOR NAMED XXXX XXXX, A LAWYER WITH LAW OFFICE OF XXXX XXXX, WAS ASSIGNED TO ME AND FORWARDED ALL MY MAIL AND TOOK OVER ALL FINANCIAL MATTERS AND THAT I NO LONGER HAD ANY CONTROL OF MY FINANCES AND THAT INQUIRES WERE TO BE DIRECTED TO HIM. THIS CONSERVATOR MISMANAGED MY ACCOUNTS AND REFUSED TO PAY ANY OF MY CREDIT CARDS RESULTING IN ALL OF THEM BEING CANCELLED EVEN THOUGH HE HAS BILLED THE COURTS AND MY ACCOUNTS WITH HIS FEES FOR PAYING AND REVIEWING MY CREDIT CARD STATEMENTS. MY CREDIT IS IN A WRECK FROM MISMANAGEMENT AND USED TO BE IN THE 720 - 780 RANGE. SINCE I WAS NO LONGER RESPONSIBLE FOR FINANCIAL ISSUES OR DECISIONS FOLLOWING THE APPOINTMENT OF A CONSERVATOR AND LOSS TOTAL CONTROL OF THE ACCOUNT, I SHOULD NOT BE HELD RESPONSIBLE FOR CHARGES INCURRED OR CHARGED BY HIM AND THIS SHOULD BE REMOVED FROM MY CREDIT REPORT. General Account Info Report Number : XXXX Date Generated : XX/XX/XXXX Account NamesXXXX  XXXX XXXX Account NumberXXXX Account TypeCredit card ResponsibilityIndividual Date OpenedXXXX StatusAccount charged off. {$780.00} written off. {$780.00} past due as of XX/XX/XXXX. 
Status UpdatedXXXX Balance {$780.00} Balance Updated XX/XX/XXXX Recent Payment Amount $ XXXX Monthly Payment {$0.00} Credit Limit - Highest Balance {$4400.00} Terms 1 Months On Record UntilXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the XXXX making the report is NOT included on the consumer reports. Yet XXXX is reporting this information.. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of XXXX compliance. Provide me with the XXXX compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been " validated ', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form XXXX : XXXX XXXX AND IRS form XXXX : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved.
Product: Credit card or prepaid card

I received a US Bank ReliaCard, which is a debit card issued by the government on which they deposit funds for Pennsylvania Pandemic Unemployment Assistance, along with Federal aid. I have been unable to transfer the money on the card to my bank account through their website, although this is one of the options they offer for using the funds. 
I have tried calling the bank, only to be put on hold for hours, and then the call disconnects. I can withdraw funds through an ATM, but then I incur charges for the withdrawal. I have been trying to transfer funds for the past 2 weeks.
Product: Credit reporting or other personal consumer reports

American Express charged off my accounts, did not send me a 1099C, is still attempting to collect on the accounts, and is reporting negatively to my credit reports.
Product: Credit reporting or other personal consumer reports

You failed to remove information and I need it removed per FCRA Section 611 you must permanently delete everything that is identity theft.

I do not care what the companies are reporting as verified. I signed an affidavit for both an identity theft report and police report and I am telling you I NEVER applied for or opened or closed the accounts with the companies I listed ( I listed again below ). Someone STOLE my identity and my personal information and applied for, opened, and closed these credit card accounts with the companies listed below. You MUST comply and delete them off of all of my credit reports and the companys histories permanently immediately including any hard inquiries, opened credit card accounts, or closed credit card accounts with XXXX  XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX, and XXXX  XXXX. Also I should see zero hard inquiries on my credit reports. Inquiries on my end that I see but there could be more to be deleted : All of XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX, and XXXX XXXX hard inquiries I also XXXX wrong addresses that do not belong to me with various variations and suite or unit or apartment numbers ( XXXX XXXX and XXXX XXXX and XXXXXXXX XXXX and XXXX XXXX XXXX XXXX and XXXX XXXX XXXX and XXXX XXXX XXXX and XXXX XXXX ) reporting on my account. My first name is not my middle name so please remove that as wells These are all fraudulent due to identity theft and Must be deleted immediately! 

You also keep adding these items back and these are fraudulent identity theft and this needs to stop. 

Per FCRA Section 611 you must delete these items permanently immediately as they are identity theft fraud.

Again I will repeat : You are failing to remove the credit cards that I never opened and the inquiries that I never made even after I sent over my FTC documents and Police Reports. However the hear fraudulent inquiries and credit cards were added back to my credit reports fraudulently. These credit cards and hard inqiruies need to be removed immediately and NOT added back : Credit cards to be deleted : All of Bank XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX, and XXXX  XXXX credit cards that appear as closed need to be deleted immediately and also notify these companies so they can delete them on their end. Inquiries to be deleted : All of XXXX XXXXXXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX hard inquiries need to be deleted immediately and also notify these companies so they can delete them on their end. Again this is identity theft and by law you are required to delete all of them and required to reach out to the banks and companies to delete them and required to reach out to all other primary and secondary credit bureaus to delete them. This must happen immediately. Please do not add these items back again!
Product: Debt collection

I am writing this complaint because I noticed a debt collection agency reported 2 tradelines to my credit reports. I was not notified of this alleged debt and was not given the opportunity to dispute the alleged debt. This agency is damaging my reputation by reporting this alleged debt to my consumer report. According to the FDCPA section 1692d ( 1 ) A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The use or threat of use of violence or other criminal means to harm the physical person, reputation, or property of any person.
Product: Mortgage

My current mortgage servicer, Shellpoint Mortgage Servicing, the problem is that they will not credit and remove excessive tax charges in my impound account. 
I have paid off my hero home improvement/Energy loan, and on that type of loan, payment is paid through property taxes adds {$1600.00} a month to my house payment. 
I paid off my hero a 2nd XXXX  home improvement loan at the beginning of XX/XX/2022 ( see attached ). 
I sent them the 2nd Hero loan payoff promptly, but they still will not reduce the payment, making it impossible to pay the {$6000.00} Fist payment along with the new 2nd loan payment that I took out to pay off the Hero loan. 
The correct payment would be {$4400.00}, which they will not properly adjust/correct the payment. 
That new 2nd loan ( that paid off the Hero loan ) has a payment of {$2200.00} which creates an extreme burden and makes it near impossible to cover both payments with the old first payment still at {$6000.00}. 
They will not accept the correct lower {$4400.00} payment as full payment. 
If the above is not difficult enough, I am a Senior Citizen I have had XXXX twice recently and have had difficulty working at these times with the XXXX. 
I very much appreciate the assistance you would be able to provide.
Product: Debt collection

Contacted XXXX XXXX XXXX XXXX XXXX ( original creditor ) I have never had their service their records confirm that fact.

Contacted EOS CCA.. consumer identification shows a name of XXXX XXXX XXXX XXXX Advised them that is not my name, no one of that name has ever lived at XXXX XXXX XXXX XXXX. 
They instructed me that clearly I was not the person they were looking for.I was further instructed to ignore their letter.
Product: Money transfer, virtual currency, or money service

On XXXX XXXX I initiated a repeat money transfer with XXXX for the amount of {$3000.00}, from my XXXX XXXX XXXX to my XXXX XXXX XXXX ( exact same transfer, recurring, same data as prior transfers that have completed on time ). They promise XXXX business day transfer. On XXXX XXXX they initiated transfer. As of XXXX XXXX, it has not been completed and shows processing as the pending action. I contacted XXXX and they will not give me any information to confirm the transaction with my receiving bank. They blatantly refuse to show documentation of the process, such as time, date, bank confirming receipt, etc They also said, on a recorded line, that it can take from XXXX days to resolve and get my funds back. I can not go to my receiving bank without any information that an incoming transaction was initiated without corroborating information that it was sent. I dont know what to do. I cant wait for these funds to sit in limbo for a long time, as it is part of our living budget.