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

On XX/XX/2022 I moved out of my apartment in XXXX and relocated to XXXX. I opened a new Chase bank checking account after I moved. My previous landlord provided me with a security deposit refund check for {$830.00}. I attempted to deposit this check on XX/XX/2022, however this checked bounced due to inadequate funds. I was contacted immediately by my landlord who informed me that his XXXX XXXX XXXX XXXX account had been hacked ( washed checks stolen from his mailbox he claimed ), he then sent me a replacement check on XX/XX/2022 for the same amount ( {$830.00} ) from his new XXXX XXXX  account. After I attempted to deposit the new check on XXXX XXXX Chase flagged this as potentially fraudulent due to it being from the same account holder and the same amount as the previous bad check. I was only notified of this after receiving a letter from Chase stating my account would be closed within 10 days if I did not respond, however I did not receive the letter until after the 10 days had passed, and upon further inspection of my account statements the check was deposited into my account on XX/XX/2022 and my account was closed on XX/XX/XXXX, XXXX only 8 days later. Chase refunded the rest of the money that was in my account ( {$120.00}, as I had not switched over my direct deposit with my work yet ), which I have not deposited yet as I do not want to risk them claiming that I accepted my account closure, and that check is now void as it over the time limit stated on the check. I have attempted to resolve this issue with Chase bank numerous times, however they claim they can not verify that the check is valid. I have asked them how they have attempted to verify the check and they reported there is not a phone number associated with account so they have not taken any steps to verify it and report they are not allowed to contact XXXX XXXX directly to attempt to resolve the issue. My landlord reports his phone number is associated with his business account and has not received any calls, he also confirmed that the money has been released from his XXXX XXXX and they will not allow him to cancel the check at this point. Chase bank as also confirmed that the money is out of my landlords account and is being held by Chase per their legal department, however they will not allow me to discuss this with their legal department. The only solution they have offered thus far is for my landlord to cancel the check ( his bank is unable to do that ), or for my landlord and myself to present in person to a Chase branch with government identifications and proof that he is the owner of the business that the account is connected to- this is not possible given we are in different parts of the country.
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 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 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I filed a dispute on account XXXX, CBNA because this account was not mine. I believe it is a result of identity theft. I provided supporting documentation including my FTC Identity Theft Report and my government issued identification to confirm that the account is unauthorized and does not belong to me. 

Despite the evidence provided, XXXX failed to follow up with a proper investigation or take corrective action. I was recently notified that the CFPB has filed a lawsuit against XXXX for accepting unreliable information and for failing to notify consumers of dispute results. This situation mirrors my own experience as XXXX has neither removed nor corrected the derogatory remark on my credit report. Notably, this account has been removed from both my XXXX and XXXX reports, but it still remains on my XXXX file. 

This unresolved issue is affecting my ability to secure suitable housing. I have a XXXX year old XXXX  and our current living environment is impacting his health. I am in the process of moving into a healthier home for him and the presence of this inaccurate information is directly undermining our efforts to do so. 

I respectfully request that this derogatory remark be removed or corrected immediately. XXXX failure to address my dispute violates my rights as a consumer and runs counter to federal laws designed to protect consumers. 

Thank you for your prompt attention to this matter. I look forward to a swift resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is has been showing on my consumer credit reports as a charge-off for XXXX  years plus. Ive been trying to dispute this issue for XXXX  years now. It is illegal to furnish income on a consumer report. A charge-off, according to the IRS, is income and you must file a XXXX. They can't charge it off then report it to IRS. Furthermore, ( XXXX XXXX ) is committing tax fraud. As it stands, I have not received a copy of this form. My rights as a consumer are protected under Chapter 41 Title 15 USC 1601 highlights the consumer 's informed use of credit. At the time that I entered this consumer credit transaction, I was uninformed and I did not understand as the information was not clear and conspicuous. The agreement is null and void due to my lack of understanding because of your corporations unfair, deceptive, and misleadingpractices.
Product: Mortgage

I have called Wells Fargo to try and take my mortgage off of the cares act relieve. I keep getting put on hold or the agent is not able to do it and transfer to another agent, who cant do it either. I called in the XXXX to do it, told to calm back on XXXX. I have called this month four times and get put on hold or transferred. I want to solve the problem but they have no way of solving it, they just want to put you on hold and delay solving it until they can charge more fees.
Product: Student loan

I took out a private student loan from XXXX XXXX XXXX in XXXX for {$10000.00}. I started making payments on XXXX/XXXX/XXXX 6 months after my graduation date. Since then I 've made at least 60 payments over the minimum payment, in addition to paying the minimum payments. As of now I 've paid {$8100.00}, {$5000.00} toward the principle and {$3000.00} toward interest. That would mean that around 62 % is going to toward principle while about 38 % is going toward interest. My interest is variable, has hovered around 5 % since getting the loan and changes nearly monthly. The amount that goes toward interest vs. the amount going toward principal seem to fluctuate monthly as well. One month 26 % of the installment will go toward interest and the next it will be different. I believe I 've paid approximately {$2800.00} over the minimum payments. It appears that those overpayments are not being applied to the principle of the loan. Moreover, the documentation of the loan declares my original amount borrowed as {$10000.00}. My installment amount seems to change every month even though I 'm on a steady repayment system.
Product: Credit reporting or other personal consumer reports

I sent this another complaint asking for help requesting that credit bureaus to reinvestigate the disputed Account from my credit report as well as update this Account from my report during the investigation period. As of this date credit bureaus have failed to respond to my request. 

XXXX XXXX XXXX : {$19000.00} - Please check the status of this account. It is entirely wrong, to begin with. I was never late on this account.
Product: Debt collection

I disputed the charges on my credit report and advised this company in writing to provide me with a debt validation letter and this has not been done. I contacted the original creditor who stated that they would remove these items which they did and indicated my record would be updated with this collection agency as well.
Product: Credit reporting or other personal consumer reports

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/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 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 XXXXXXXX XXXX XX/XX/XXXX
Product: Credit card

An account held with Barclays Bank Delaware is currently reporting to the CRAs. The information furnished is grossly inaccurate. A number of direct disputes were made with both the CRAs and the Creditor. The responses have been off topic. At present, it seems as though Barclays Bank DE is in violation of the Furnisher Rule 660.4 ( a ) ( e ). A dispute exists in regards to the terms, high balance, payment dates, closure date, incorrect account number, and others. This information affects my creditworthiness, credit standing, credit capacity, character, general reputation, and lifestyle. Asked of Barclays what that the tradeline be updated or deleted. The dispute made was not found to be frivolous or irrelevant.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello. I have disputed the credit reporting of XXXX XXXX XXXX several times : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

I have uploaded additional documentation with the disputes claims as Experian has requested. However, Experian never updates my balance history and payment history correctly. The balance history and payment history has been incorrect for years. The amounts and dates listed under the paid section are incorrect and erroneous. There are payment amounts listed in which I have never made a payment in that amount. There are also months reflecting missed payments, which is incorrect. I have never missed any payments. 

I have attached copies of the repayment agreement by XXXX XXXX XXXX ' servicer, XXXX XXXX XXXX. I have also uploaded copies of my bank statements showing all payments to XXXX XXXX XXXX XXXX XXXX I have also uploaded a copy of my Experian credit credit report dated XXXX
Product: Mortgage

In XXXX of 2019 I attempted to get home improvement loan on my house. I discovered there were liens that had never been released. I did the work finding the people having those properly removed. I also discovered there was a second mortgage that was not paid ... the mortgage was in my husband 's name, he passed 7 years ago, I only knew of the one that I took over financially responsibility for. It took some digging around, but I found the lender that had the second mortgage. I was instructed to fax a request to settle the balance. I started on XX/XX/2019 with my first settlement offer, after a couple of week, it was declined. XX/XX/2019, I submitted another request, after a few weeks it was declined. XX/XX/2019, I submitted another request, I received another decline 2 weeks later. 
I spoke to a gentleman that advised me to go higher, when I submitted request for $ XXXX on XX/XX/XXXX, I didn't hear anything and when I called I was told it was approved and just awaiting signature. Then I got a call that it was declined, they wanted the full amount owed. I said ok, I wish you would've just said that in the beginning. I then asked if they could just send me paperwork to assume responsibility of the loan and to do a modification. After a couple of weeks, I called back asking about modification package, he would say it was sent out. I would always ask if they could just email it to me, not it had to be mailed. weeks would go by and nothing, I called back and he finally gave me an excuse that it was returned. There is no way, the address is the same and we have the same postman. I asked if they were putting my husband 's name on it, again the postman knows I am still here so I don't know who would've returned it. I never saw proof of the return, we have community mailboxes, hopefully if it was put in wrong box my neighbor would bring it to me. They would email declination of offers to me, but they couldn't email the modification package? 
I have recently started getting letter from attorneys regarding foreclosure, I was confused because I pay my mortgage on time every month and I remembered I have never resolved issue with Franklin Credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

The original debt was charged off in XX/XX/XXXX, and is not even on any of my credit reports. How can a charged off debt over 10 years old be purchased? It was not purchased and this  collection post is a complete fraud perpetuated against XXXX, and an abuse of my rights under FCRA and FDCPA. The attached post on my credit bureau claims that a debt was purchased by a third party. At no time from my initial dispute was a debt validated. Under Federal Trade Commission guidelines, a debt must be proved, showing actual hard copy transfer. That does not mean a letter of transfer, but an actual transfer with signature backup. The debt purchase industry is the largest scam ongoing against the American consumer. Both the collection agency/debt purchaser are in violation of their subscriber agreement with every credit reporting agency. At no time was the debt validated, and the initial timeline from the original creditor has been cut off, and thus the debt is illegally being re-aged to benefit both the original creditor and the illegal debt collection process. Both the original trade line must be removed along with the invalid collection process. This problem will continue to exist since the XXXX XXXX XXXX XXXX XXXX Supreme Court decision of XX/XX/XXXX, whereas the third party purchase voids the individuals rights under the Fair Debt Collection Practices Act. Since there is no proof of true hard copy transfer and ownership, the collection is VOID and the collection process must cease and my file for both accounts must purge. These items must be deleted permanently and my files need to be purged. My information was obtained through a debt pooling process that should be terminated by the Federal Trade Commission. XXXX XXXX has committed a fraudulent act by even posting my antiquated information and there should be sanctions taken against this company. Now XXXX XXXX is extending the fraudulent activity to a fourth party collection service called XXXX XXXX XXXX XXXX. There is absolutely no connection to a valid debt, and my name must be deleted immediately from all corresponding files. All credit bureaus are being aware of this problem as now two debt collection agencies/debt buyers are in violation of their subscriber agreement across the board with the major credit bureaus. The credit reporting as well as the debt collection is 100 % fraudulent and needs to cease immediately and permanently.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent XXXX XXXX, and Transunion my FTC ID Theft Report # XXXX & # XXXX on XXXX XXXX, 2018. I asked by letter accounts The XXXX XXXX XXXX {$1800.00}, XXXX XXXX XXXX XXXX ( {$460.00} ), and XXXX XXXX XXXX XXXX {$1000.00} be BLOCKED from my credit file under the FCRA section 605B. Talking with a Transunion rep on XXXX/2018 he informed me that Transunion does not block but dispute accounts. This rep did not know about the FCRA section 605B or the  language on the Transunion website which states a consumer can ask for the accounts reported on the ID theft report be blocked. XXXX closed our conversation by informing me that the website was wrong as is the FCRA section 605B. Transunion, XXXX, and XXXX  received my ID theft report and police report # on XXXX/2018. This fraudulent information should be block within 4 business days and notify the creditors. I should not have to talk with someone who lives in another country that does not know the FCRA rules and information on the company 's website. I will file a small claims suit if these credit reporting agencies do not abide by the FCRA rules.
Product: Credit reporting or other personal consumer reports

Kik Off is reporting on my credit report yet I never used their services. I can pull my debit card info and I dont have no charges from Kik Off. They claimed that they verified my information before opening the account. I was robbed and shot at and my purse was stolen. Now the guy who stole my purse and shot at me just got out in XXXX  and its a bunch of applications and accounts that have been attempting to open up for me. I have a credit freeze in place and I need Kik Off to remove this fraudulent information
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX and Experian credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. Inquiries : XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned hard inquiries as reported. The aforementioned hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX  and experian has accounts on my credit reports that are NOT mine/inaccurate/fraud. 
Accounts : XXXX- not mine please delete.. 
XXXX XXXX XXXX-not mine please delete XXXX XXXX-not mine please delete
Product: Credit reporting or other personal consumer reports

recently i looked at a copy of my credit report and noticed several inaccuracies on my account. this account is hurting my ability to obtain credit. it is my understanding that you will investigate these items for me to ensure accuracy. 
her is the item i am asking you to verify as accurate XXXX XXXX XXXX XXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

I file this complaint because there are many errors contained in my LexisNexis Risk Solutions Inc. consumer file. My consumer number is XXXX, and my case number is XXXX. Please see the attached letter from LexisNexis. I wish to dispute the following : My name is XXXX XXXX XXXX, not XXXX XXXX. I have attached a copy of my drivers license. Thus, please update Section 1 of my consumer file by removing the name XXXX XXXX. Next, I have not resided at XXXX XXXX XXXX, XXXX, WV XXXX since XXXX. I have also never resided in XXXX, Ohio XXXX, nor XXXX, Ohio at zip code XXXX. Please update Section 1 of my report to remove these addresses. Please also remove Section 3 : Records 17, 18, 19, 20, and 21 for these reasons. Additionally, I have never used telephone number XXXX. Please update Section XXXX of my report to remove this phone number. Finally, I previously requested that a fraud alert and a security freeze be added to my report inasmuch as I am the victim of identity theft. However, I do not see where my request has been honored as of yet. I have attached an identity theft report I filed with the Federal Trade Commission and a report I filed with the FBI XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent a letter regarding identity theft and disputing the following accounts and I have yet to hear back from the credit bureau.
I am a victim of identity theft and have included a police report with this dispute. Items I am disputing are :  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: Money transfer, virtual currency, or money service

At XX/XX/XXXX I did 3 different transactions using the app Xoom, sending money to XXXX. The money was expected to be in the recipients bank accounts at the same day. But today XX/XX/XXXX, XXXX XXXX, the money isnt still in their accounts. 

The first transfer I did at XXXX XXXX  Amount : {$200.00} Receipt # XXXX The second transfer I did at XXXX XXXX Amount : {$100.00} Receipt # XXXX The third transfer I did at XXXX XXXX Amount : {$120.00} Receipt # XXXX When I went to their website to cancel the transactions, I couldt do anything. The site has a message saying that they are making improvements to their site, that we may expect delays and dont do anything else. So something its not right. I have been using this app for more than 2 years and it never happen before. The money used to be transfered at the same day. So something very wrong its happening with Xoom. Be aware and alert other people about. And I want to cancel those money transfers. 
I hope this institution can help me. 
Thank you, XXXX XXXX.