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

I was supposed to be paid wages by direct deposit to my account at Chase ( Acct XXXX XXXX, checking ) XX/XX/XXXX. Chase Branch XXXX XXXX XXXX XXXX, XXXX XXXX, NY. Phone XXXX. My wages are not in my account ( as of today XX/XX/XXXX ) XXXX has provided a receipt, which is attached. Chase has no record of the funds and will not do anything to determine where these funds have gone. I was originally told by Chase help line that they simply would not help me and it was not their problem- I needed to pursue XXXX XXXX I did- and XXXX provided a voucher number for the transfer. I provided the voucher number to the Help line, which refused to help. I called the branch and was told to go to XXXX. I explained that I had and XXXX gave me a voucher number. The Branch Manager said that I would receive a call reporting the results of investigation from the " Escalation Team ''. 

I followed up with XXXX ( XXXX XXXX XXXX, XXXX, NJ XXXX. Ph XXXX email XXXX ) who is refusing to talk to me saying it isn't their problem. 

I have followed with both entities who are telling me it is not their problem. I really would like to get my wages. Someone has my money- just not me.
Product: Credit reporting or other personal consumer reports

Transunion refuse to remove account off my credit report that is do from Id theft they also still reporting inaccurate accounts with out my written consent I contact transunion 5 to 10 times a day and yet they has did anything dishonoring my police report and ftc reports on the account and questions I ask for the account to be removed and block transition refused to do any thing but causing financial harm and stressed and my living saturation transunion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCT # XXXX DID NOT NOTIFY ME OF THE DEBT IN MY NAME ALSO REFUSED MY FTC REPORTS STATING THAT I DID NOT LIST THE ACCOUNT ON MY FTC REPORT THEY RECIVE MANY REPORTS BUT FAIL TO ACCEPT THAT I WAS A VICTIM OF ID THEFT. VOILATING MY RIGHT I ASK THEM REINVESTAGATED THE DEBT CODES BEEN VIOLATED AND RULES WAS IGNORE WAS NOT PROPERLY NOTIFY OF THE DATE BEFORE ADDING ON MY CREDIT REPORT. WHEN ASK FOR VAILDATION THEY SENT ME A STATEMENT OF PURCHASES I DID NOT MAKE not accurate DOCUMENTS SHOW ME WHERE I SIGN OR THEY GAVE ME XXXX THEY HAVE YET TO SHOW ME I TOOK OR THEY GAVE ME ANYTHING. THIS COMPANY IS NOT APPLYING THE FRCA RULES FAILING TO REMOVE THE ACCOUNT FROM ALL REPORTING AGENCY .TRANSUNIONS AS WELL SATING AS XXXX XXXX XXXX XXXX  REFUSED ME OF MY RIGHTS UNDER THE FCRA SHE SAID HER BACK OFFICE TRANSUNION DID NOT ACCPECT MY FTC OR POLICE REPORT CAUSING FINANCIAL HARM AND DEFORMATION OF CHARACTER CAUSING ME BE DENIAL FROM HOMES CARE THE ACCOUNTS THEY REPORTED HAS BEEN REMOVE FROM THE ACUTAL CREDITOR BUT TRANSUNION STILL COMING SAYING THEY VERIFY PROOF. when it. from id theft,
Product: Credit reporting or other personal consumer reports

Inaccurate Reporting of information violations of 15 U.S. Code 16815-2. 15 U.S. Code 1681s-2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBITION ( A ) Reporting information with actual knowledge of errors ( a ) Reporting information with actual knowledge of errors A person shall not furnish 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. 

( B ) Reporting information after notice and confirmation of errors. A person shall not furnish information relating to a consumer to any consumer reporting agency if- ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) The information is, in fact, inaccurate. 

Duty : a moral or legal obligation ; a responsibility Accurate ; correct in all details ; exact Prohibition : a law or regulation forbidding something As Defined by The IRS Even if you didn't receive a Form 1099-C, you must report canceled debt as gross income on your tax return.

The IRS Clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes your reporting of this account inaccurate!

By Definition The IRS Clearly says a Canceled or Charge off is Income. The reporting of this account as a debt is inaccurate.

15 USC 1681 5-2 Says you, XXXXXXXX XXXX , is a furnisher of information to a consumer reporting agency. 

You ARE PROHIBITED BY LAW to furnish inaccurate information. I demand you to Cease and Desist the reporting of incorrect/ inaccurate information immediately.
Product: Student loan

I put in a complaint against XXXX XXXX XXXX, PBCM XXXX in XXXX and I asked them in the complaint " Also before they send anything to my credit I need someone to work with me on making small payments until I am able to make larger payments because like I keep telling them I unable to make big payments because I do not make enough. '' PCMB response was " XXXX outstanding student loans were purchased by XXXX : ( XXXX ) XXXX XXXX, XXXX XXXX XXXX, balance of {$4400.00} ; and ( XXXX ) XXXX XXXX, XXXX XXXX XXXX, balance of {$4500.00}. 

The number that called you was from PBCM 's XXXX office. The XXXX number is from PBCM 's XXXX office, which your accounts were transferred to. 

We are willing to accept monthly payments of {$15.00} on each account provided the first payment on each account is received no later than XXXX/XXXX/2016. We will continue to accept monthly payments provided that they are made in a timely manner each and every month. In addition, the payment arrangement is temporary and will be reviewed periodically for an upgrade in monthly payment amount. '' I checked my credit on Monday XXXX/XXXX/16 and the XXXX accounts are listed as Open and in collections. I called PCMB on Monday and spoke to XXXX XXXX ( General Manager in the XXXX office ) My payments were received XXXX/XXXX/16. I pretty much explained to him everything that 's stated here he said he would pull my file and him or his QA would get back to me by the end of the day. No one called me back on XXXX/XXXX/16 so I called back XXXX/XXXX/16 and the receptionist XXXX told me XXXX XXXX was in a meeting for 15 minutes and would get back with me after the meeting. He called me back and I had to call him back due to my phone having issues. I spoke to XXXX XXXX and was informed that XXXX XXXX. ( VP of Operations in California ) would call me by the end of the day and he has forwarded all of my information to him by email. No one has called me back again.
Product: Debt collection

I XXXX XXXX personal information has be stolen around the beginning of the year XXXX. During the beginning of XXXX I contacted XXXX while XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I was hospitalized and unable to work, or take care of myself, I required XXXX XXXX XXXX, same as I provided for my clients. the entire duration of my illiness I had no control over my personal information and was taken advantage of by various individuals, as an result of being near death, someone used my personal information to open fraudulent accounts, such as a personal loan, and a medical account that provides medical and cosmetics surgery. I can not name names, do to the fact that I was in the hospital and under sedated. The result of the misuse of my personal information im now a victim of identy theft and fraud, this is the second time that I have experience this, since XXXX when my information was apart of a data breach by XXXX XXXX. 
This has caused great discord and inconvenience. Company never verified the account information prior to submitting it to my credit report.
Product: Credit reporting or other personal consumer reports

Im having issues with inquiries from credit companies who say it wont affect your credit or it will drop off quickly and its still affecting my score. I also hired an attorney to remove a car loan that I wasnt responsible for and it didnt even raise my score. All the credit cards that say charge off were cards I had when Covid shut my life down. They said over the phone they were releasing me from the debt due to hardship and reported after Covid restrictions lifted : the lving corporation is a company who bought credit ones old debts. I settled it with XXXX XXXX  and it was sold. The other charge off was from bridgecrest where I was told it would be removed from my credit report and was not.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, Im writing because Im really frustrated with how XXXX XXXX Equifax handled my recent credit dispute. Ive recently learned about the CFPB lawsuit against XXXX and Equifax, and I think my situation is connected to the problems theyre both being sued for. I disputed an account on my credit report, but you didnt seem to investigate it properly. The account Im disputing is XXXX XXXX XXXX XXXXXXXX ] with account number XXXX, [ XXXX XXXX  XXXX ] with account number XXXX on my credit report 4 times, and XXXX XXXX XXXX XXXXXXXX XXXX, The issue is that the information about this account is wrong. On top of that, their response didnt explain much. I didnt get any proof or details about how they verified the account. And this is hurting my ability to get a home for my family! Heres what Im asking for : Do a proper investigation as REQUIRED by law. Remove the incorrect account or information from my credit report if the company cant verify it. Send me clear results showing exactly what you did to verify these accounts and share any proof you used. Dont let these accounts come back on my report unless you can prove its accurate and give me written notice first. Im asking you to resolve this within 15 days, as required by the Fair Credit Reporting Act. If this isnt fixed, Ill have no choice but to file a complaint with the CFPB and take further action to protect my rights which I am doing now. Thank you for handling this quickly. I look forward to hearing from you soon. Sincerely, XXXX XXXX
Product: Checking or savings account

XXXX On today XX/XX/XXXX I went to the branch of XXXX XXXX to open a bank account for my corporation when the representative is working for the creation of the account informs me that you can not create the account because I have a penalty from the Bank of America, which had to go to that branch of XXXX XXXX XXXXXXXX to see what that penalty was, I went to the bank where they gave me a statement in which they notify me that I had no problems with my account and that the balance from my account I was XXXX I did not owe anything to XXXX XXXX XXXX, the Representative gave me a phone number to call, upon calling I was informed that XXXX XXXX  XXXX had reported me for fraud, from a deposit made at an ATM with an amount of {$300.00} and the cashier receives the money but did not report it in my account immediately call attention to the consumer but the offices were closed, I had to wait until Monday to make my claim when or I went to the branch they informed me that I should call a Bank of America claims phone when they called they took the information after 15 days they informed me that the investigation had been done and that they sent me a check with the amount of XXXX When I received the check I went to the branch and I received it because it was my money and now my name appears that I committed a crime. 
This has caused me a lot of bad because I always do everything under the law, I feel harassed and mistreated by Bank of America for accusing me of something that is unfair, I do not understand why they do this if when they investigate they saw that it was true my information and my money back, I have in my possession all the documents issued by XXXX XXXX XXXX that were embassy during the course of the month of XX/XX/XXXX to XX/XX/XXXX, in which nothing is said about Frauds. 
I strongly wish that this accusation be withdrawn for me to continue my banking processes and conduct an investigation with this case. Thank you very much
Product: Credit reporting, credit repair services, or other personal consumer reports

The items I need removed are listed in the report. I am a victim of identity theft and did not apply or open any of these accounts. I ask that the items be removed to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for an apartment at XXXX XXXX. I paid the required application fee. A few weeks later I was notified that my bank frauded the amount out because they assumed it was fraud. I immediately had them to reverse the charges and send that payment back to XXXX XXXX. I received a credit alert stating they had sent this information over to collections and it now on my credit under National Credit Systems pending payment. This is inaccurate reporting information since I paid them. I have even reached out to the collection department and also sent them a copy of the documents. Please see attachment below.
Product: Credit reporting, credit repair services, or other personal consumer reports

Sent via mail on XX/XX/XXXX a letter to Navient along with a check payment stating upon cashing my check payment they would agree to remove all late payments from all three credit bureaus ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) immediately. My check was cashed on XX/XX/XXXX and the late payments remain on the account they have not been removed yet. Per the agreement these should be removed from all three credit bureaus. I have will attach a copy of the letter and copy of check along with a snip it from my bank showing it was cashed.
Product: Credit reporting or other personal consumer reports

I reached out because I was involved in data breach and noticed discrepancy so I reached out to despute
Product: Mortgage

In XX/XX/2022 we started a loan modification program with the Mtg Co that held our 2nd Mtg. This loan was due to balloon in XX/XX/2022, and CCO suggested we apply for a loan modification since our credit was recovering and not strong enough at the time to refinance with a good rate. The total amount of the loan was only {$20000.00}. Since XXXX, we have submitted all papers and requests in order to be approved for the modification. We were told that our appraisal was not done properly, ordered by CCO, and had to be redone. We still do not have a proper loan confirmed and we have been reported to the credit bureau as being seriuosly deliquent. I have a son going to college and I can not get a loan for him or the things we need in our lives. I recently got into a horrible car accident that declared my 3 year old car a total loss and I can not aqcuire a new loan for a car because this modification process has ruined our credit to the point that no one will give us a loan, and we are still being reported as delinquent on a Mtg each month. This whole thing has turned our family lives and work lives upside down. They have us in a financial hostage situation. We are trapped with no way to get a loan for anything and no answers as to what is going on with our loan modification. I have called dozens of times and no one can tell us exactly what is going on. We are at a loss of what to do.
Product: Credit reporting or other personal consumer reports

After reviewing my copy of my credit report, I've noticed an account that was not reported accurately. My report showed a late payment that was actually paid on time. Under 15 U.S.C. 1681e ( b ), credit reporting agencies are required to follow reasonable procedures to ensure the accuracy of information contained in credit reports. This account has not been late on payments. I've attached a copy of my report to this complaint on the following date in question XXXX  I'm requesting an investigation into the below account and update these payments to paid on time immediately. 

Thank you for your prompt action. 

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

My complaint is against the credit agencies, Experian, XXXX and XXXX. I have attempted on several occasions disputing an account on my credit reports that is reporting inaccurately. According to the Fair credit reporting act any debt collector that is reporting anything on my credit report has to be reporting 100 % accurately. Secondly, they failed to provide me with proper verification of the account, per section 611 5a of the FCRA any accounts that can not be verified within 30 days should be deleted. I have also reached out to the collector themselves " XXXX XXXX XXXX '' Account # XXXX and they failed to provide me with an accurate validation of the account. I am entitled by law to obtain the following from the collector before I 'm obligated to pay them anything. 
1. Identity of the original creditor.

2. A complete payment history.

3. Documentation that any collection fees were added pursuant to the original lending agreement.

4. A copy of the original agreement between myself and the original creditor which clearly delineates my acceptance to contract and financial obligation to them. 
5. A copy the agreement between you and the original creditor showing you are legally the owner of the debt, have received a proper assignment, and lawfully entitled to collect monies on this account.

6. A verification or copy of any judgment, if applicable.

7. Proof that the Statute of Limitations has not expired on this account.

8. Proof that you are licensed to collect in my state.

They are in full violation of the fair debt collection practices act including but not limited to section 807-8 and section 623-b.
Product: Credit card or prepaid card

Had Samclub Mastercard since 2001, was about to take the card as my sole method of payment in a trip to Europe. Called customer service to inform them of my travel plan and was surprised that my account was closed. No notice, no letters, no emails, nothing ... 

Reason is lack of activities ... Account can't be reopened or activated ... have to apply again ...
Product: Mortgage

In XXXX  we had to get attorneys to get modification.After we no longer had attorneys because modification was approved and we started making payments SLS added advance fees to our modification.l wrote a letter twice and called to try to get these fees removed they would not.I know this was a Breach of our modification and they should be held accountable if a borrower breach a mortgage these big companies can foreclose so they should be held also.l realized this year that our mortgage is going up every 3 months from my credit report SLS stopped sending us statements about 3 years but on calm the escrow statements it still say our rate is XXXX but l do not believe it, l do mot see our rate on the statement from XXXX.Our next rate change will be XXXX they are trying to price us out of our home.Our escrow is now over XXXX and l know that can not be right.l wanted to get our own insurance in XXXX and SLS rep said l had to pay for the whole year which l could not do so they placed high lender placed insurance.l do not know our rate it was supposed to be XXXX fixed but they stopped sending us out statements about 3 years ago.l want a mortgage audit done.On the front of our modification agreement there are XXXX where fees are so they really breached our modification.
Product: Credit card

My wife has been trying to apply for the XXXX XXXX XXXX with American Express. She is my XXXX dependent and eligible under the XXXX. We have submitted repeated proof of hers and my eligibility, especially from the official XXXX website. AMEX responded to my previous complaint saying they will not recognize this because she was NOT recognized in the XXXX system as a XXXX  dependent at the time she applied for benefits. This leads me to assum AMEX is NOT recognizing her as eligible because it's as if we got married AFTER we applied for the card and she was a XXXX dependent AFTER we applied. That is actually not true. We have further documentation dating our marriage to XXXX of XXXX, and was officially my dependent since then. I have been an XXXX XXXX service member since XXXX. This means her eligibility PREDATES our application with AMEX and the XXXX program. The disconnect could be due to the fact that a service member within the process of submitting her social security number didn't do their job properly, without us knowing at the time of applying for this card. It wasn't until XXXX, with repeated attempts to be recognized by AMEX to be considered under the XXXX, we discovered this discrepancy and resubmitted her social, thus establishing her within the XXXX system. Due to this fact, we demand AMEX to reconsider XXXX XXXX under the XXXX, as we have official documentation stating she is eligible. We can also offer to submit proof of my service entry date, proof of our marriage date, and proof of her being established as my XXXX  dependent within the XXXX XXXX system since XXXX of XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion reported to my bank, XXXX, an inaccurate credit score. The reporting was unfair causing denial of credit.
Product: Debt collection

This company is in violation of several consumer laws under the FCRA. My information was sold to a third-party whom I have no contract with. I'm seeking proof of the alleged debt, under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. In a good faith effort to resolve this matter amicably, I demand for proof of the debt, specifically the alleged contract or other instrument bearing my signature in wet ink, as well as proof of your authority in this matter. I will be seeking the sum of {$5000.00} in damages for the following : 1 ) Defamation 2 ) Negligent Enablement of Identity Fraud 3 ) Violation of the Fair Credit Reporting Act After obtaining the judgment against your company, I will obtain a Writ of Execution from the Sheriffs office in your county and I will begin the process of attaching property or funds to satisfy the judgment. Please provide me with the following : 1. The original contract signed by both the original creditor and myself. 

2. A detailed, itemized bill that outlines the charges and fees associated with the alleged debt.

3. The complete bookkeeping entries by XXXX ( Generally Accepted Accounting Principles ) that document the history of this debt, including all credits, debits, and payments. 
4. Please provide a copy of the forward flow agreement 5. Please also provide a copy of the chain of assignment
Product: Debt collection

phone number XXXX called twice within a hour. I would like apology from that and a fine.
Product: Credit reporting or other personal consumer reports

I called XXXX to negotiate a payment to resolve this debit and XXXX  refuse to take the payment amount.
Product: Debt collection

XXXX to XXXX XXXX. Sent me to collections but I paid it before it was ever sent to collections and I have teh bank statement to prove it.
Product: Checking or savings account

My account was closed due to an fee I didnt even know I had
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  have violated my rights. 

15 U.S.C. 1681 Section 602 A States I have the right to privacy.

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