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

Violations from Experian in regards to disputing inaccurate information. My initial dispute letter vis U.S. Mail dated XX/XX/XXXXreached Experian XX/XX/XXXX disputing the Accuracy of Public records information. The disputed was completed 12, as verified. I submitted a letter dated XX/XX/XXXX via mail asking for the Method Of Verification used along with the name telephone number of the persons contacted in regards to this Public Record Information.

I received none of this information and was not notified in regards to this matter in the 15 day window. I proceed to call Experian on XX/XX/XXXX the first time I get threw the rep inform me they don't have to give the furnisher information that provided them the public records info. and stated they did not have access to it. My initial thoughts were how did they verify and and reinvestigates or even provide me with the Method Of Verification. this first rep didn't provide me with any furnisher info as I requested over the phone at all. I proceeded to talk to a 2nd rep he also stated he didn't have access to the information due to the fact it was from a third party. I let him no that nowhere on my report does it mention anything about a third party. I ask for a supervisor or someone in charge to get this information. after speaking with a supervisor she informed me of everything the 2 reps stated prior. I let her know I wanted the furnisher that was giving Experian the information because its not state on my report. I let her know I did not get my Method of Verification. She tried to insinuate the a generic description mailed out from a for this dispute request should had suffice.

I ask her was the procedures followed in the generic info because I still wasn't giben the info from the Method of Verification as requested. lastly I let her know I did not get response in a timely matter according the FCRA in regards to the Method Of Verification.

There are serious FCRA violations of : - Section 611 ( a ) ( 6 ) ( 7 ) By not receiving the the Method Of Verification for this Public records Info at all let alone in the 15 day time span.

- Section 609 ( 1 ) ( 2 ) ( 3 ) by not providing my with the name, address, tlephone number ot the furnisher of this infomaiton -Section 611 ( a ) ( 1 ) ( A ) by not doing a reinvestigation once given information the the reporting was wrong.

-Violation of Section 611 ( 2 ) ( A ) by not notifying the furnisher of the dispute because they told my clearly they don't have that information.

Violation of Section 609 because I was given the proof requested this information was verified So as I stated the correct furisher isn't licet on my credit report and Experian is in violation for not honoring my Method Of Verification request under FCRA
Product: Bank account or service

I am the executor of my Aunt 's estate and have submitted all necessary paperwork to close her Paypal account numerous times but even though they say the account will be closed in 1-2 business days it has been over a month. I have talked to many supervisors there a number of times with no progress. Since there is no office I can go to in person, I need your help to close this account.
Product: Checking or savings account

I have contacted chase to advise them that transaction that took place on XX/XX/XXXX in the amount of XXXX from XXXX, order number XXXX have never arrived. Tracking number XXXX has never arrived and was trying to dispute the transaction with the bank because i have never received the merchandise i paid for. I have tried to contact the merchant by phone and email without any luck. The bank told me because i have i have paid for the order from my personal checking account they are not able to submit a clim dispute on my behalf. I do not understand why my bank will not refund me the money i have paid from my checking account to an an order that was clearly was never delivered to me, and i am claiming my money back from a fraud company. 


XXXX ORDER # XXXX Thank you for your purchase! 
We're getting your order ready to be shipped. We will notify you when it has been sent. 


View your order or Visit our store Order summary XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX {$27.00} Subtotal {$27.00} Shipping {$5.00} Taxes {$0.00} Total Your order is on the way Your order is on the way. Track your shipment to see the delivery status. 


View your order or Visit our store XXXX  tracking number : XXXX
Product: Debt collection

i was admitted into the hospital XXXX XXXX XXXX XXXX XXXX through the emergency room on or about XXXX XXXX, 2014 I receive Medicare/Medicaid and gave the hospital my Medicare/caid card I was in the hospital for 4 days Medicare/caid paid for my emergency room visit and hospital stay and they notified me of that fact, another company contacted me name Patient Account Services ( PAS ) address XXXX XXXX XXXX XXXX XXXX . XXXX XXXX, XXXX XXXX phone XXXX stating I owe for emergency room services in the amount of {$1100.00} to XXXX XXXX XXXX XXXX. XXXX XXXX date XXXX/XXXX/2014 and that they was reporting this account to the credit reporting agencies XXXX, XXXX and XXXX I did in fact inform these people that Medicare/Medicaid had in fact paid XXXX for my emergency room visit and hospital stay for XX/XX/2014-XX/XX/2014 and mailed them proof. I also informed them that they were committing Medicare fraud and that they were trying double/bill me to steal XXXX from me and i told them to cease and desist their fraud, they informed me that I could go to jail for non-payment of this debt ASAP and they did in fact report this fraudulent debt to the aforementioned credit reporting agencies and destroyed my credit, this is a fraud and this company is engaging in Medicare fraudulent activity against a vulnerable adult who is XXXX
Product: Checking or savings account

I had a low income checking account with Chase Bank. I have been having some financial issues, and for the first time in my life over drafted with Chase at the beginning of XXXX. ( Over the course of XX/XX/XXXX + XX/XX/XXXX ). Chase reversed the fees. I explained part of the problem was that I do not have regular access to my email account. I need text message notifications if I overdraft. I used to regularly receive text message notifications, until they randomly stopped. They said that in the future I would receive text message notifications. 

The following weekend I over drafted with no text message notification for my over draft fees. Because of this I received 6, {$34.00} fees over the course of 2 days. ( XX/XX/XXXX and XXXX ). This totaled to {$200.00} worth of fees for overcharging {$120.00}. I called Chase to rectify the issue. They informed me that I had hit my limit on over charge reversals for the year, even though the week before was the first time I ever over drafted. This is because you get over charged for every small charge. This is more punitive for low income people such as my self. I only had one bank account. No savings. No credit card. So I received charges for negligible amounts of money that I could have borrowed from friends had I received notification my account was empty. Instead Chase charged me an excessive amount for overdraft fees. The person I spoke to the week before from Chase did not notify me that I was approaching my limit with fee reversals. I would not have thought to ask that since this was my first time. I am not sure what their limit is, but lets say its 10. Its very easy to get to that point when you are using a debit card for purchasing stuff that cost a negligible amount. They charge you multiple amounts a day. I explained this and also reiterated my frustration with the fact that I was under the impression Chase would start sending me text message notifications if I over drafted. If this happened I only would have been charged {$34.00} not {$200.00}. {$200.00} is an excessive amount for me. My paychecks are regularly less than {$700.00}. 

They only reversed one fee, so in the end I was charged {$170.00} for overdrawing {$120.00}. I closed my chase account shortly after deciding it would be safer to carry my money around in cash, risking Chase just deducting fees that could no longer be reversed. In addition to the fact that Chase should notify customers of overages with text messages they should also notify their clients when they are approaching fee reversal limits. When I used to be able to afford to maintain a savings account, I occasionally would get charged for exceeding withdrawal from my savings limits. Their customer support/clerks would notify me if I was approaching my limit for reversals for the year. This sort of transparency was very helpful to a low income person who trusted their limited amount of money with Chase Bank.
Product: Credit reporting or other personal consumer reports

This company has information presented on my credit report that I attempted to get a loan from them and will not show me my loan documents, my signature nor will they provide me with any information relative to this account
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX, XXXX 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.

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

On XX/XX/XXXX, I contacted TransUnion about the following negative accounts XXXXXXXX XXXX  XXXX XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$3300.00} ), XXXX XXXX XXXX XXXXXXXX XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$5900.00} ), XXXX XXXX, ( Date Opened : XXXX XXXX, XXXX, Balance : {$9200.00} ), XXXX XXXXXXXX XXXX XXXXXXXX ( Opened XXXX. XXXX, XXXX, Credit limit {$200.00} ), XXXX XXXXXXXX XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$180.00} ). Its been over 45 days and TransUnion havent respond to my request as they are required to by the Federal Credit Reporting Act.
Product: Credit card or prepaid card

Hi TD BANK N.A. # XXXX ; I was shocked when I reviewed my credit report and found late payment on the dates below : XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2022 & XX/XX/2022. 

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. Also, with everything going on, particularly XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  My only thought is that my monthly statement did not get to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XXXX, 2020 I've sent multiple letters as well as electronic disputes via the credit bureau 's websites disputing credit reporting that either doesn't belong to me or is reported incorrectly. 

There has been no response no response for the bureaus nor a correction!
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts were reported as late ; XXXX  XXXX : XXXX XXXX : XXXX XXXX XXXX : XXXX According to 15 USC 1666b A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I did not receive this aforesaid letter and as a direct result i would like the late payment to be updated on my credit file.
Product: Mortgage

I was qualified and approved for the XXXX XXXX Mortgage program, and have done all the paperwork for it and received the final paperwork from M & T bank. XXXX  paid M & T bank on XXXX XXXX, 2024 in full for my Mortgage and M & T has failed to transfer the mortgage to XXXX as well as they are still trying to collect monthly payments from me when they dont own the mortgage any more.
Product: Checking or savings account

Over 30 years ago I opened an IRA with XXXX XXXX. XXXX XXXX was bought by XXXX who we eventually bought by Wells Fargo. 

Currently, I find my IRA is in a CD account earning 0.05 % interest. I have been attempting to transfer this to an IRA account at a different institution. 

I have made two attempts to transfer that money through that other institution. I wanted to do it directly to avoid any tax withholding. The first attempt was made through and account transfer form signed via DocuSign. When this attempt was made, Wells Fargo said they only take wet signed documents. So, we repeated the process with a wet signed account transfer form. Well Fargo then indicated that the money was tied up until XX/XX/XXXX. I'm guessing that's when the CD expires. 

I looked online and it appears the going rate for CD IRAs is around 3.0 % ( vs. 0.05 % ). And, not surprisingly, Well Fargo is making it difficult for me to get my money. It feels like a ploy to make me give up and just leave my money there. 

Wells Fargo has had the use of my money for the past 30+ years and clearly have no interest even in letting me have my deflated dollars back. 

I have made numerous calls both to customer support and to their IRA department.
Product: Debt collection

XXXX XXXX XXXX XXXX closed my account after I had repeated issues paying my monthly bill on their portal. It froze constantly I spoke to XXXX XXXXXXXX and they tried charging me to pay over phone and I explained I shouldn't have to pay when their portal never works. I also told them they needed to remove the late fees because I was not responsible for them and they wouldn't. They closed my account and continued to charge me late fees and also an annual fee after account was closed. LVNV funding bought account and uses Resurrgent and XXXX XXXX as 3rd party collections. I tried contacting LVNV with no response. Resurrgent referred me to XXXX XXXX. I agreed to a {$910.00} settlement with XXXX XXXX on behalf of LVNV and when I tried to pay XX/XX/30 and XXXX my account was no longer active. I emailed them and they said my XXXX was pulled from them and now XXXX had it. I tried explaining this to XXXX XXXX twice via email and they don't respond. All I received is a letter from. Resurrgent that I disputed account. Noone will help me and XXXX XXXX and LVNV are both reporting bad on Credit report for same issue and now shermata law is the 4th collection agency on this same account. This seems highly wrong when I agreed to a settlement and it was not honored. I sent all my communication to XXXX XXXX and nothing response.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 3rd request 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, TX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX, XXXX, XXXX XXXX XXXX on XX/XX/2022 XXXX XXXX Inquired on XX/XX/2022 2022
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXXXXXX XXXX XXXX XXXX XXXXXXXX, MO XXXX, XXXXXXXX XXXX XXXX XXXX XXXXXXXX, MO XXXX, XXXX XXXX XXXX XXXX XXXX, MS XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX MO XXXX XX/XX/XXXX, CXXXX XXXX XXXX XXXX : {$0.00}, XXXX XXXX XXXX Balance : {$830.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance : {$0.00}, XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$330.00}, XXXX XXXX XXXX XXXX Balance : {$1200.00}, XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX Reference # : XXXX, XXXX XXXX XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of the accounts below has violated my federally protected consumer rights to privacy and confidentiality under law 1562 USC 1681. 

Account name : XXXX XXXX XXXX XXXX XXXX  - Account Number : XXXX Account Name : XXXX XXXX XXXX Account number : XXXX Account Name : XXXX XXXX XXXX Account number : XXXX Account Name : XXXX XXXX XXXX Account number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : DEPT OF ED/XXXX Account Name : XXXX Account Name : XXXX XXXX  Account Name : XXXX Account Name : DEPT OF ED/XXXX Account Name : 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. States : It also states a consumer reporting agency can not furnish a account with 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 than adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years.

15 U.S.C 1681s- ( A ) ( 1 ) A person may 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: Credit card or prepaid card

COMENITYCAPITALBANK/XXXX # XXXX XXXX XXXX XXXX XXXX , OH XXXX Date Opened:XX/XX/2017 An  account was opened in the above company under my name and with my information, a charge of under {$50.00} for a pair of shoe ( that show up on my front door ) The pair of shoes was returned with enclosed label on box, I did n't opened the account or ordered the pair of shoes, my husband was at the hospital at that time. 
COMENITYCAPITALBANK/XXXX has me as a delinquent for about {$130.00} I called several times and requested the account closed and all late fees reversed because I explained that I did n't do the purchase. 
This is an scam to get fees. 
Please help me to stright this out. If you go online you will see the all the reviews for this company, this is their modus operandi. 

Thank you XXXX XXXX XXXX XXXX XXXXXXXXXXXX
Product: Credit reporting or other personal consumer reports

I am appalled by the lack of responsibility on your behalf. When is the XXXX, XXXX, and TransUnion going to fix all the erroneous information on my personal credit file? For the past months my requests have been overlooked. Discontinue the stall tactics and please repair the following accounts : XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$4100.00} ; XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$8.00} ; XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$4800.00}. If your investigation can not confirm the accuracy of the information I believe to be incorrect, please rectify the issue immediately. Additionally, please provide a description of the procedure used to determine the accuracy and completeness of the information to my address provided.
Product: Credit reporting or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The XXXX credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts and update them immediately in my report : XXXX  XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX never validate this debt due to fact I had certain protections while on XXXX XXXX. The original creditor never complied with notifications to reduce the interest to six percent. XXXX has been advised the original creditor reported this account past due in XX/XX/2016 and this account had been reported negatively past 7 years
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account, XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

Per bankruptcy court as well as state of Kansas placed said items on my report for all credit bureaus without permission per these said companies have verified that they do not verify these for placement on credit bureaus, I have requested that they be removed the bankruptcy was discharged in XX/XX/XXXX. The state of Kansas Department of Labor placed a state lien without my knowledge or any correspondence with rising interest which is unfair so I would like for them both to removed these are reporting back form XX/XX/XXXX or XX/XX/XXXX these  are placing a hindrance on my credit which is stopping me from getting approved and the credit bureaus XXXX, XXXX, and Transunion do not want to remove them. The state tax lien is only showing on my Transunion report. Both items are stopping me to be able to establish positive credit please help and get them removed
Product: Credit reporting or other personal consumer reports

Dear 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 : 1. The name and address of the original creditor and the current creditor. 
2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

XXXX. Proof that the original creditor securitized the debt. 
XXXX. 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