23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX  Account Number XXXX THIS ACCOUNT HAS BEEN CLOSED SINCE 2019, WAS PAID IN FULL AND I ASKED TO CANCEL THE ACCOUNT BEFORE LATE PAYMENTS HAVE WOULD BE PLACED. THIS NOT A CREDIT BASED IT WAS A SAVING CD CREDIT BUILDER ACCOUINT. THEY RECIVED ALL PAYMENTS AND REFUNDED MY TOTAL DEPOSIT. BUT LEFT 3 LATE PAYMENTS. THIS IS A VIOLATIUION OF 15 U.S. Code 1681i I NO LONGER OWN THIS ACCOUNT AND DID MAKE LATE PAYMENTS, PLEASE HAVE THIS ACCOUNT REMOVED AS IT IS HOLDING ME BACK FROM BE ABLE TO GET A AUTO LOAN AND I REALLY NEED MY CREDIT AT THE MOMENT.

THE ACCOUNTS REPORTS 3 DIFFRENT LAST USED DATE WHICH ARE ALL FALSE AND VIOLATION OF 15 U.S. Code 1681i PLEASE REVIEW THE DETAILS ON THE CREDIT REPORT ATTACHED AND OTHER DOCUMENTS TO SUPPORT PROOF OF THIS THEY CONTINUE TO UPDATE THE DETAILS INCORRECT ALSO WITH WRONG STATUS AND DATES DIFFRENT ACROSS ALL XXXX COMPANIES ANOTHER VIOLATION OF MY RIGHTS
Product: Debt collection

I contacted Citi card recovery company in regards to my account that was charged off. They informed me to contact the Client Services a collection company that they sold my account to, so as I contacted the Client Services we agreed on a settlement and they was supposed to draft it out of my account. Days went by and, I noticed that they didnt draft the funds from out my account so immediately gave them a call and they then informed me that they no longer have account in there system because it was fraud on the account so they sent it back to Citi Recovery. So I contacted Citi recovery again for the second time and told me the same thing that sold my account to Client Services I explain to them what the company told and the agent told me to allow her sometime to look deeper in my file and then she came back and told me to call back on the XX/XX/XXXX because the system will be updated by then. On XX/XX/XXXX I called back to Citi Recovery and now they are telling me that they no longer have my account it was sold in XXXX and they dont have the company name they sold it to. When I asked the agent can she send me a letter in the mail stating that they no longer have my file and they not sure what company it was sold to she acted like she couldnt understand me and then hung up the phone on.
Product: Debt collection

I pulled my credit report and discovered these accounts as collections on my credit report. I sent a written dispute requesting validation of my debt to you and all three bureaus., not validation of my address. I did not receive a response to what I have requested and was reported as meets the Fair Credit Reporting Requirements. I have included a copy of what I have sent to you and the Credit Bereaus. If you can not provide all of the information below you are by law required to delete all entries off my credit report ASAP.
Product: Checking or savings account

Hello I setup enhanced direct deposits for my payroll into my Citibank checking account for {$100.00} bonus but havent got the bonus yet as per the terms. Their customer service is also unhelpful in resolving this issue. Hence I would like to request to kindly reach out to them so they can look into this and deposit {$100.00} bonus into my account. Thanks
Product: Credit reporting or other personal consumer reports

TransUnion According to XXXX XXXX XXXX XXXX XXXX XXXX XXXX. All inaccurate information much removed from credit reports. 

XXXX XXXX. XXXX is part of the Fair Credit Reporting Act ( FCRA ). The FCRA requires consumer reporting agencies to use fair and impartial procedures to gather and evaluate consumer information. The FCRA also gives consumers the right to dispute inaccurate information on their credit reports. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Credit card or prepaid card

this issue on my credit has occurred, credit card acct. # XXXX with a past due balance of XXXX dollars... i never authorized this account this is fraud..
Product: Checking or savings account

On XX/XX/2023, I opened a Chase Sapphire Banking account and JP Morgan Self Directed investing account. I opened the accounts to consolidate my wealth and deposit a JP Morgan check given to me by a third party. I opened the checking account, and deposited the JP Morgan check, which was put on hold for a significant amount of time. 

I linked my XXXX XXXX XXXX XXXX XXXX account using the XXXX deposit method. After linked, I attempted to deposit {$100000.00} into my JP Morgan self directed investing account. Shortly after, my account was frozen. 

I reached out immediately to Chase phone support, who unlocked the account and told me to resubmit the transfer a different way. They told me the initial transaction was declined. 

I decided the better solution was to initiate the transfer from my previous bank, XXXXXXXX XXXX XXXX instead. I initiated the transfer but the account was locked shortly there after. 

I went to the nearest Chase branch, who helped unlock the account by calling XXXX to confirm the transaction was valid, as well as validating my ID. 

My chase account was locked again after purchasing a Treasury bill on XX/XX/XXXX with the newly available funds in the JP Morgan Self Directed Investing account I spent hours on the phone trying to get an answer, who told me the bank initiated a closure. One representative told me to go back to the bank branch to unlock it. 

I went to the bank branch who were shocked by the developments, and spent several hours trying to get the problem resolved, reducing the investigation from 10 days to XXXX. 

I reached out to Chase executive relations who promised to investigate as well. I did not hear back any details. I reached out to the branch who were under the impression I knew the account was in the funds disbursement phase of closure and I had been notified. 

During this time, I have had no access to my savings and the check for {$4000.00} I deposited and a direct deposit was declined. I had to use my small amount of funds remaining in wealthfront to make minimum monthly payments on cards to hold me until my next paycheck, putting a financial burden on me with interest fees I did not intend of accruing. 

XXXX office case id number # XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX {$7100.00} improperly reporting on credit reports
Product: Mortgage

Wells Fargo - I have been working with them on a refinance of my house since XX/XX/XXXX. They kept stringing me along, telling me we were going to close shortly. Each time the rate lock expired they told me not to worry, I would not have to pay the fee. The rate lock fee would be waived. I was supposed to go to closing today and all of a sudden there is a {$3800.00} charge for rate lock extensions. They said they decided not to waive it and I could either go to closing or they would have to cancel the entire deal. I choose not to close. 
Additionally, I went with Wells Fargo because my current mortgage is with Wells Fargo. They told me that they could just move over my escrow account and I would not have to pay it out in the closing. Today, they told me that I would have to pay for the escrow and I had to go to closing with {$11000.00}. 
It should n't take four months -- I feel like I was pushed along in the hopes that I would just pay the fees that I was told I did n't not have to pay. I would like to warn others about getting involved with Wells Fargo.
Product: Credit reporting 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. 

Account Name : XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX and list of Inquiries 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: Mortgage

Chase Bank has put on my credit report that I had a foreclosure on a property I owned in Florida. This loan was a short sale loan. The loan was a negative am loan underXXXX and Chase Aprroved the short sale. I need them to update my credit report to reflect late pay and paid as agreed, short sale specifically on the experian, it states XXXX. I am applying for a mortgage and all of the copanies are stating that I have a Foreclosure with Chase because of the XXXX. The other XXXX are correct.
Product: Credit reporting or other personal consumer reports

This morning, I noticed that incorrect accounts had appeared on my credit report, and I have no idea why. I regularly check my report, but this time, there were unexpected discrepancies. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Because of this issue, I kindly request a thorough review of the documents I have submitted so that I wont have to worry about this again.
Product: Credit reporting or other personal consumer reports

According to my credit report, I noticed my privacy rights were violated. 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 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. The accounts that are in violation of my rights are listed below. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I submitted a letter to the Credit Bureaus to delete these suspicious items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior COMPLAINT and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

XXXX XXXX  I was suppose to receive my paycheck. However it never came, I ask what could be done and they said nothing that it was up to my employer. I went to have a conversation with my employer, and they stated that they had sent my payroll XXXX XXXX. I called chime back to tell them what my employer said, however this time they said they still had nothing to do with it and maybe it was just a hold, and instead of helping they tell me to just wait it off. From XXXX XXXX  until now which is XXXX XXXX  and I have still have not received my payroll, and sadly they continue to tell me just wait on it because we have nothing else to do about it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing fraudulent reporting on my credit report with 3 accounts and 2 different credit report agencies. XXXX and XXXX. The accounts have not been validated or verified according to the laws that were cited. They refuse to remove them and the creditors also have failed to validate and verify the accounts. They can verify them but the validity of the debt has not been proven.
Product: Credit reporting or other personal consumer reports

Dear Experian, I am writing to dispute the following information that appears on my Experian report from XX/XX/year> : Collection account from XXXX XXXX XXXX with account # XXXX and a balance of {$3000.00}. The original creditor is XXXX XXXX XXXX. 
I previously disputed this account with the credit bureaus and it was deleted from my XXXX report but Experian failed to perform an investigation and delete the disputed information. 
Please reinvestigate this matter and delete or correct the disputed information as soon as possible. Thank you for your assistance. In light of the CFPB lawsuit filed against Experian o
n XX/XX/year>, I respectfully request that you conduct a thorough investigation, as required by the Fair Credit Reporting Act. Please do not accept the findings of any furnisher who hasn't provided comprehensive and detailed results. I ask that you share the specifics of your investigation, including the furnishers response via mail.
Product: Credit reporting, credit repair services, or other personal consumer reports

n 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 XXXX, XXXX XXXX XXXX, XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX WISCONSIN, XXXX xxxxx 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 an account without my written instructions 15 U.S.C 1681c ( f ) 1681B ( C ) 15 USC 1681c-1 : Identity theft prevention ; fraud alerts and active duty alerts
Product: Debt collection

I received a collection attempt from " XXXX XXXX , XXXX '' ( allegedly based in XXXX, MI ) in the mail for both an account I have never had and an amount of money I have never owed. The account numbers they're referencing do not exist, and neither the account or the debt appear in my credit report. This is a fraudulent collection attempt from beginning to end. I do plan to contact the company directly and attempt to sort things out and have the collection discharged and my information removed from their database ; however, I wanted to take steps to report this fraud before contacting them. This company has either been misled by some other fraudulent reporting organization or is itself creating these fraudulent reports in an attempt to scam myself, and others no doubt.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : XXXX XXXXXXXX Charge off XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX : XXXX XXXXXXXX Charge off XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance XXXX XXXX XXXXXXXX Late/Closed XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Late/Closed
Product: Credit card or prepaid card

XXXX added a 30 day late negative to my credit report. However, on XX/XX/XXXX I did an overpayment to XXXX of {$140.00} as I frequently added extra money to the account because i shopped there frequently. XXXX refuses to acknowledge where the money went. It shows it was paid and my bank does almost all payments electronically and the account number hasnt changed. However, this payment cant be found by XXXX. While I want the {$140.00} back, I am even more irate about the 30 day late they put on my account. The representative told me that " this is accurate and can not be changed '' even tho I told her I paid and can provide them my bank statement. 

On the attachment of my bank statement, if you look at XX/XX/XXXX you will see the XXXX   payment. I used the same payment method for the last 5 years to pay it. 

They refuse to acknowledge a technical issue on their end and refuse to assist me. I tried to call twice and both times the representative told me I had no recourse even though this is an obvious error. I asked them why, after 5 years of higher balances always paid off on time, would i short XXXX for a payment at a random time. It makes no sense and XXXX doesn't seem to care.
Product: Credit reporting

They sent me an email that says to " click here '' to see the results of my dispute. Then it does n't show it to me. This is very frustrating and when I try to go somewhere else on their web site they try to sell me things.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX : XXXX XXXX Bank : XXXX I receive inquires from these banks which credit credentials dont report to personal credit I have no a knowledge ment of this transaction XXXX asking for quick removal
Product: Mortgage

Good morning, Department of Economic Opportunity of Florida ( DEO ) approved me for mortgage assistance starting on XX/XX/2022. However, since my approval date my mortgage company LoanCare has not received any payments. DEO has assured me they have sent out over {$4000.00} in payments but LoanCare claims to have not gotten anything. I am very concerned since LoanCare is threatening me with foreclosure but I am under the impression these checks are going somewhere and I know for certain they are going to the correct address that LoanCare told me to use. Also DEO has had this situation under investigation but I still have not gotten a response. I was approved for 6 months so this XXXX would be the last month. I would appreciate any help regarding this situation. 
Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

Since the fraudulent items on my file had never been deleted, I want you to help me remove these items such as inaccurate. It is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not remove the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its not my intention to not pursue any legal action so please adhere to the law. Delete these following items ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

I disputed collection account # XXXX and account # XXXX. I did not sign a HIPPA release form with anyone to release my medical information. There was also no proper reinvestigation done, nor was the requested proof of the investigation and verification given.

Also, in accordance with the Fair Credit Reporting Act, these accounts have violated my rights.

15 U.S.C 1681 section 602 A. states that I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 states a consumer reporting agency can not furnish a account without my written instructions.
Product: Payday loan, title loan, or personal loan

Good afternoon. I have a current installment loan for {$1400.00} with speedy cash and I am trying to set up a payment agreement with them for XXXX every two weeks totaling {$160.00} a month to pay off principal amount because I am going through a hardship right now and I can not afford this high interest loan with only XXXX going toward principal to get it paid off. I tried contacting them and sending an email to corporate, no one has responded. Please, I am trying to pay them back to get this paid in full what I owe them. Thank you!
Product: Debt collection

Portfolio Recovery calls me multiple times a day, every day, for the past 3 years. Always calls from a different number. I have blocked at least 20 numbers they have called me from and they continue to call every single day from a different phone number.
Product: Credit reporting or other personal consumer reports

I am writing you this letter regarding payments that were marked late by your company for the following accounts XXXX XXXX XXXX. have received a copy on my consumer reports and I notice you have furnished transactions on my consumer report that is excluded by law as per the FCRA 15 USC 1681a 2Ai. 
( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; A consumers transactions are excluded from the consumer reports. FICO and or any other Risk score or algorithm that you use to calculate a consumers credit score is not a factor where the consumer report is concerned! Definition of what the consumer report means. 
consumer report ( 1 ) In general. The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title. 
FICO or non of its factors are not defined or included in the definition of the consumer report! Therefore the reporting of transactions between the consumer ( ME ) and the Person ( company ) is a violation of 15 USC 1681a the definition of the consumer report does not include FICO or XXXX which makes their factors or algorithm not a factor where the consumer report is concerned. 

You have furnished transaction information on the following accounts.with XXXX XXXX XXXX ( XXXX XXXX XXXX ) has charged fraudulent late fees and in addition inserted late payments on my consumer report, all payments were made on time, all payments were exact and all payments were made on their respective due date. 

My account with XXXX XXXX XXXX was never late! This was clearly a billing error, and a double dipping scheme. This act is shameful it has caused severe hard to my reputation, my character, my mode of living and to my family! Please remove ALL LATE PAYMENTS 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose