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

I had a Chase business complete checking account with Chase that was closed last year by Chase. The account number was XXXX. I need to open a dispute an ACH payment that was made from that account on XX/XX/2022. Chase has not responded to my inquires about this. 
On XX/XX/2022 an ACH payment of {$35000.00} was sent to XXXX XXXX XXXX to their Chase account number XXXX. The Transaction ID is XXXX. 

This company turned out to be a fraudulent company and has scammed me out of this and more money and never fulfilled the services at all for the {$35000.00} sent to them. I filed a fraud report with the FTC and they informed me to contact Chase Bank immediately to help recover my money since it was sent through Chase ACH. I have lots of additional documentation of this company scamming me and others out of money and using deceptive and false statements to get me to purchase an Amazon XXXX store that would generate income. They have not done this at all and have made me no money. They have also not responded to 20 plus attempts to communicate and rectify this situation. The FTC said Chase could assist me in recovering this money. 

I am attaching my FTC report, a screenshot of the ACH transaction, text message from the company showing their account info to deposit the money into and a copy of my statement showing the transaction when I made it. I can provide much further documentation if needed. This company has defrauded large amounts of individuals and the FTC and CA Attorney General are both aware and have stated that Chase could assist me in reversing this transaction. Please let me know what other documents you need. 
Thank you, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS 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 Balance : {$0.00} XXXX XXXX XXXX Balance : {$9800.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my first 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 alleged fraud or extortion. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$110.00} XXXX XXXX XXXX XXXX Balance : {$960.00} XXXX & XXXX XXXX Balance : {$330.00} XXXX  XXXX Balance : {$0.00} 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
Product: Debt collection

Hi my name is XXXX XXXX in around XX/XX/2022 I applied at some apartments called XXXXXXXX XXXX XXXXXXXX XXXX I paid the application fees they processed my application I was approved. But due to an unexpected tragedy i had to decline there offer. I received all monies owed to them for the application process and I did not sign a lease yet in still I have a debt or collection for XXXX that I didn't have any knowledge of until XX/XX/2022. The debt is also on my XXXX and XXXX Credit Report. I would like a specific and verified breakdown of the services and products that I owe them for. And is the XXXX for because they will not process the application with the application and admin fee paid in full. I'm have also sent a dispute with both XXXX and XXXX by CERTIFIED MAIL, also genesis credit management XXXX will also be notified. 

GENESIS CREDIT MANAGEMENT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX WA XXXX *Phone XXXX Thank you for all your efforts and actions XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

1. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 




DEPT OF EDUCATIONXXXX # XXXX DEPT OF EDUCATION/NELN # XXXX DEPT OF EDUCATION/NELN # XXXX DEPT OF EDUCATION/NELN # 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 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I am writing to formally request a method of verification regarding the bankruptcy appearing on my credit report. Under the Fair Credit Reporting Act ( FCRA ) 611 ( a ) ( 7 ), I am entitled to know how the accuracy of this information was verified. Please provide details on the following points : Verification Source : The source of the information used to verify the bankruptcy listing. I would like to know the specific entity that provided the verification.
Product: Debt collection

My name XXXX am sumbitting this complaint without any influence from any third party or agency on how my privacy and XXXX has been invaded. Please see attached documents as it entails the full complaint and request.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 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. 
XXXX XXXX XXXX Balance : {$10000.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00}
Product: Mortgage

I had approached XXXX XXXX, Home Mortgage Consultant NMLS # XXXX of WELLS FARGO BANK , NATIONAL ASSOCIATION. He claims that he and the bank is not suppose to let the client know about the bank guidelines. They are not suppose to discourage the client from applying an application for mortgage. Why would not tell the customer about the guideline so he or she is aware and make a decision and make is move accordingly. why they want run some ones credit for fun. 
i believe this a wrong practice by the bank for not providing correct information to customers. This lead to denial of my application and wasted my time and i could not explore my other options. i am facing hardship due to this and look for a resolution from the bank. Such consultant licence should be revoked
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX I live at XXXX XXXX XXXX, OH XXXX. I would like any and all fraud alerts or Credit Freezes removed from my credit report. I am having issues with my credit file reporting correctly. I have two XXXX XXXX accounts yet only one is reporting and it is impacting my credit score. Not sure if there is an issue as to why its not reporting correctly.
Product: Debt collection

CAPITAL ACCT is claiming that I owe them {$220.00} with an Account Number : XXXX but I didn't recognize this debt. Please Remove this inaccurate collection from my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX : XXXX XXXX XXXX XXXXL XXXX Balance : {XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXXXXXX XXXX XXXXXXXX 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 166b A Creditor May not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.
Product: Debt collection

I keep receiving threatening, harassing phone calls from " XXXX '' " XXXX XXXX XXXX '' stating they are going to have me served court papers and have me arrested for non-payment of a payday loan from 2012, as they are stating they have converted this into a " bad-check '' case. They keep calling me from phone # XXXX, again, being very rude and threatening.
Product: Credit reporting

This is the  2nd time I have seen  a  XXXX , Texas address on my credit report or credit score and I have never lived in  XXXX , Texas.
Product: Mortgage

My Modification Agreement was completed XX/XX/XXXX, over one year ago, but the lis pendens against my house was never removed. When I called HSBC Bank about lifting the lis pendens they told me that they have no information in their computers because they sold it to XXXX XXXX in XX/XX/XXXX. On XX/XX/XXXX I called and spoke to XXXX representative XXXX, a very pleasant and respectful individual. XXXX confirmed that the modification agreement was complete in XXXX of XXXX, and that all payments have been received in accordance with the modification to date. I informed XXXX that according to the New York Department of Financial Services ( DFS ), the lis pendens must be lifted within 90 days of finalizing a modification settlement, which is now more than a year overdue, and that I want the lis pendens lifted immediately. XXXX said that he, and his Supervisor would take care of it. I followed up with a letter to XXXX ( copy attached ), dated XX/XX/XXXX, and they sent me a response dated XX/XX/XXXX that even though the foreclosure part of my Court case is over, HSBC will not remove the lis pendens against my home unless I drop my countersuit. I have attached the two letters, and DFS press release information. I do not think the DFS intended for lis pendens to be used as blackmail against homeowners by putting a public lien on their home for all the world to see. I need the lis pendens release according to DFS consumer rights press release.
Product: Credit reporting or other personal consumer reports

I checked again my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and deletion due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

For the last few months I've been sending letter to remove the charge-offs from my credit report. From my research these accounts have been filed on each of these companies 1099C and they are still reporting and asking me to pay this debt. Not only is it inaccurate and I've yet to receive any original documents to validate or verify this debt, I haven't received a response. Also, all they have done is take the information that I've provided for the credit bureaus to show the inaccuracies so that these accounts can be removed and update their information. This can't be legal. 

ACCOUNTS XXXX XXXXXXXX XXXX XXXXXXXX. XXXX XXXX XXXX date XX/XX/XXXX. Open date XX/XX/XXXX. Open date XXXX XXXX Amount {$11000.00}. Amount {$2400.00}. Amount {$9500.00} XXXX XXXX. XXXX  XXXX XXXX XXXX  Open date XX/XX/XXXX. Open date XX/XX/XXXX. Open date XX/XX/XXXX Amount {$590.00}. XXXX {$750.00}. Amount {$750.00} XXXX XXXX XXXX XXXX XXXX XXXX Open date XX/XX/XXXX Open date XX/XX/XXXX. XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

THE FOLLOWING INQUIRIES HAVE BEEN DISPUTED IN PAST MONTHS AND WERE DELETED BUT ARE NOW APPEARING AGAIN ON MY EQUIFAX CREDIT FILE. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have a account that the balance is reporting incorrectly this was paid in full and I will like this to be updated or removed from my credit profile
Product: Credit reporting or other personal consumer reports

I have XXXX accounts that were incorrectly reported as 30 days late for the month of XX/XX/2023. These XXXX accounts are my XXXX XXXX  accounts both have account numbers XXXX. I have already verified with the creditor that these were reported incorrectly. They have already notified the XXXX major credit reporting agencies. XXXX, Equifax, XXXX have not corrected the 30 day late payment status for XX/XX/2023 to on time please reach to XXXX XXXX  to confirm this correction of the late status on both accounts to report a on time payment status and correct this incorrect reporting
Product: Student loan

Recently received an order from my employer 's Human Resource Department that my wages were going to be garnished due a student loan. Now, I was aware of the actual student loan, but the garnishment of not only my wages, my taxes where also seized. Thus, I called the collection agency to verify and they HAD THE WRONG ADDRESS!! It was a residence I lived at approximately 6-7 years ago! I was under the impression that I 'm suppose to have at least 30 days of notification of the actual wage garnishment! But it was sent to an old address. Furthermore, the amount the agency asked for is susceptible. This story is " To Be Continued '' hence I have to forward my now residence information!
Product: Mortgage

Filed for Mortgage Application on XX/XX/2020. 
I've been asked for so many documents including work documents, new company documents, social security number, other sensitive numbers many times. It started in XXXX then they asked for more information in XXXX. 
They have asked for the same information 3 or 4 times. 
XXXX XXXX never calls you back. He never responds at at this point I think it's a scam using BBT name. 
Location has been tracked down to North Carolina. 
Many follow-ups for information has not been resolved with the bank why I think it's a SCAM. 

I will be calling the NMLS agencies to help stop the fraud. Thank you, XXXX XXXX XXXX Mortgage Loan OXXXX NMLS ID : XXXX Office : XXXX Mobile : XXXX Main Office XXXX XXXX XXXXXXXX XXXX XXXX NC XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Have a AUTO dispute under investigation more than 60 days now
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX XXXX {$390.00} XXXX XXXX {$89.00} XXXX  XXXX {$2100.00} XXXX XXXX XXXXXXXX {$690.00} XXXX  XXXX {$1400.00} XXXX XXXXXXXX {$1400.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX XXXX : Account number : 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 An 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, 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 confidentially under 15 USC 1681. XXXX  account has violated my rights 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  15 USC 1681 section 602A. States I have the right to privacy.

15 USC1681 section 604 A section 2 it also states a consumer reporting agency can not furnish a count without my written instructions and I did not give written instruction.

15 USC 1681c ( a ) ( 5 ) section 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 crime which antedates the report by more than seven years.

15 USC 1681s-2 ( a ) 1 ( A ) a person shall not furnish Any information relating to a consumer to any 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

In accordance with the Fair Credit Reporting act XXXX XXXX, XXXX account # XXXX, XXXX account # XXXX, EXPERIAN XXXX XXXX XXXX  XXXX account XXXX XXXX ...., XXXX XXXX XXXX XXXXXXXXXXXX XXXX account XXXX XXXX ... XXXX account # 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
Product: Credit reporting or other personal consumer reports

NOTICE TO AGENT IS NOTICE TO PRINCIPLE NOTICE PRINCIPLE IS NOTICE TO AGENT I am writing to inform you of my dispute regarding the account listed on my credit report maintained by your company. I assert that your company is subject to the arbitration agreement as stated on your company 's website, as well as the arbitration procedures provided by AXXXX 
I am fully aware of the financial implications associated with initiating arbitration proceedings, and I am extending you one opportunity to resolve this matter amicably. My settlement demand is as follows : Payment of {$6000.00} to compensate for the mental distress, XXXX emotional distress, and financial hardship that your actions have caused me. 
Deletion of the trade-in entry from all credit reporting agencies where it is currently listed. 
I want to emphasize that the costs associated with initiating arbitration proceedings, including filing fees, arbitration initiation fees, arbitration deposits, and any legal costs incurred throughout the arbitration process, will be significant. As per the arbitration procedures outlined on the XXXX website, you will be responsible for covering these costs, which could amount to tens of thousands of dollars. 
Failure to comply with my demands will result in the initiation of arbitration proceedings. I want to remind you that your continued collection activities may constitute a violation of the Fair Debt Collection Practices Act ( 15 USC 1692c ( c ) ), which prohibits communication through mediums other than mail upon request. 
I expect a prompt response within 15 DAYS, confirming your acceptance of my settlement terms and detailing the steps you will take to comply. If I do not receive a satisfactory response within this timeframe, I will proceed with arbitration without further notice. 
Please send all correspondence related to this matter to the address listed above.
Product: Credit reporting or other personal consumer reports

I have over the years try to have these inquiries removed off my credit report child support XXXX XXXX and other hard inquiries that they have not removed against my moral rights
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed unauthorized inquiries on my credit report. Someone else applied in my name. 

According to the FCRA ( Fair Credit Reporting Act ), these unverified and unauthorized inquiries must be removed.
Product: Debt collection

I tried to look at XXXX through XXXX XXXX XXXX online XX/XX/XXXX. I wanted to see what the financing terms of furniture would be, so I completed the financing check online through XXXX XXXX XXXX. 

I was approved XX/XX/XXXX through XXXX XXXX XXXX for a loan. I did not purchase ANYTHING through any furniture retailer online. I did not receive any money through XXXX XXXX XXXX to my bank account. 

XXXX XXXX XXXX began charging me for a loan of {$800.00}. I called them multiple times during the week of XX/XX/XXXX and XXXX, XXXX, regarding this loan. They told me the money would be deposited to my account and thats why I was to repay this amount. The money never came. I had to switch banks to get the automatic payments to stop.

I just received a letter from Contract Callers Inc. for this fraudulent debt in the amount of {$1200.00}, dated XX/XX/XXXX.
Product: Vehicle loan or lease

On XX/XX/2025 a vehicle report and the charges on the report was not accurate. The vehicle did not have any marks as noted in the report. I was also charged for grilles and there was nothing broken. I been a customer for several years and never had these issues.