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

RE : Trafficking Block Request To Whom It May Concern, I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 
ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Product: Debt collection

I received a text from XXXX XXXX XXXX about a bill about the XXXX from my hospital visit that occurred on XX/XX/year>. Keep in mind my visit occurred at XXXX, not at XXXX XXXX but they are affiliated with one another. Another thing to keep in mind was that I had to go back to XXXX on XX/XX/year> and update my insurance information and address. The link from the text stated I owed around {$5800.00} dollars which is abnormally high in my opinion, and noticed I needed to update my insurance and address on this link. I updated my insurance and address for XXXX XXXXXXXX XXXX on XX/XX/year>. I kept getting texts saying I owed the exact same amount of roughly {$5800.00} until XXXX, but figured it takes time to update information. XXXX still waiting on an updated fire department bill from my incident. I then received a text on XX/XX/year> about how XXXX XXXXXXXX XXXX turned over my bill to a debt collector, being Frost-Arnett . 

XXXX thing I noticed after clicking the link from the text was that they listed my address as XXXX XXXX and misspelled my last name. I remembered thats what XXXX initially had as my address when I came back on XX/XX/year> to update insurance/correct personal info. I immediately disputed the claim and mentioned the charges werent descriptive/no proof of updating my insurance. I still havent received any notification from my health insurance company about this bill as a side note. Frost-Arnett mailed me their response on XX/XX/year> that still had my last name misspelled, and gave me a slightly more descriptive list of the XXXX charges from XXXX XXXXXXXX XXXX Nothing from that last notice proves they contacted my insurance company, being XXXX, in my opinion and Ill continue to dispute with them about the matter.

My suspicion is that from initial visit, this charge wasnt monitored to say the least by XXXX XXXX XXXX, being that the initial text from Frost Arnett still had my incorrect address/last name from my initial visit with XXXX on XX/XX/year>. I will admit I did not contact my insurance company about the matter, but had the suspicion that these texts were scams which is why I did not reach out. The only form of communication to me from these companies, until my dispute with Frost-Arnett XXXX has been via text.
Product: Credit reporting or other personal consumer reports

I am having an issue getting my free annual consumer report from Chex Systems.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX XX/XX/2022 Transworld Systems Inc. 
XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, PA XXXX To whom it may concern, While living at XXXX XXXX XXXX in XXXX, Iowa I experienced many abuses of authority. The first was retaliation after I complained about animal XXXX in the common building areas. Shortly after my first complaint to the property managers I began to receive notices that my apartment home was too noisy. The other abuse of power was the property manager ending my one-year lease without me having a day in court or sufficient notice. I was notified on XX/XX/XXXX that I needed to vacate the unit on XX/XX/XXXX. The property manager had maintenance and other men remove my belongings from my unit at XXXX on XX/XX/XXXX. I moved a half an hour away and by the time I came back to the building to load my small truck for the second time those guys had already removed my things, thrown my larger furniture items on the road and placed my other belongings in large black contractor trash bags. 
I was hurt, humiliated and afraid for my safety at the way they handled my move out. I do not owe XXXX anything. I will attach email communications between myself and property management staff where I notified them of the behavior of one of the maintenance team members as well as the XXXX in the corridor. As I stated before living in this apartment building was degrading and terrifying. My kids became sick with XXXX and I believe it could have been due to the large number of apartments people used to house their dogs and pets. I was forced to move into this unit ( the last available ) after an illegal eviction during the Covid 19 pandemic. 
The final abuse of power is the attempt to charge me a debt that I do not owe. XXXX did not notify me of any charges upon my move out or within 30 days of my move. The property managers also did not provide a move out inspection or review any charges to my security deposit. My mail was forwarded by USPS to my new address ( see attached ) and if they wanted to mail me a bill or anything they could have addressed it to the XXXX address at XXXX XXXX XXXX XXXXXXXX XXXX  XXXX and it would have been forwarded. In addition to the USPS proof of mail forwarding, I will also attach my proof of payment for the month. I do not owe XXXX XXXX anything further. They illegally evicted me and did not provide a walk-through inspection. They owe me for my belongings. They did not notify of any charges outside of my security deposit ( that they kept ) within 30 days. They have illegally and discriminately sent a large bill to collections. Please assist me In stopping these abuses.
Product: Credit card

Sams club credit owed me a credit of {$27.00}. I spoke to them around XX/XX/XXXX and they assured me they would credit my account but explained it would take 1-2 billing cycles for the credit to appear. I checked my statements for XX/XX/XXXX, XX/XX/XXXX and now XX/XX/XXXX and still no credit. I called Sams Club Credit today ( XXXX/XXXX/XXXX ) and they researched the situation and determined that the request for credit was submitted on XXXX/XXXX/XXXX but somehow never credited to my account. Given the error, I asked for an immediate credit to my account and initially, they refused indicating that they would reprocess my request today and I would need to wait another 1-2 billing cycles for this new request. I asked to speak with the manager and only after I explained I would be filing a complaint with the CFPB, did the manager assure me he could approve the credit now to appear on my account within 24-48 hours. I still am not confident I will see the credit - but will confirm in the next few days.
Product: Credit reporting or other personal consumer reports

Recently I did an investigation on my credit report and found several items on there to be inaccurate and not updated correctly and removed. 

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shalli ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
Experian*** Account Name : XXXX XXXX Account NumberXXXX Card Monthly Payment {$25.00} OpenedXXXX Date Closed -- Date Closed -- Balance {$620.00} XXXX ** XXXX XXXX Account NumberXXXX Card Monthly Payment {$25.00} OpenedXXXX Date Closed -- Date Closed -- Balance {$620.00} XXXX XXXX  XXXX Account NumberXXXX Card Monthly Payment {$25.00} OpenedXXXX Date Closed -- Balance {$310.00} Balance {$0.00} XXXX XXXX  Account NumberXXXX Monthly Payment {$0.00} Date OpenedXXXX Date OpenedXXXX  High Balance {$580.00} ExperianXXXX XXXX Account NumberXXXX Monthly Payment {$0.00} Date OpenedXXXX Date OpenedXXXX High Balance {$580.00} XXXX Not reporting XXXX Account Name : XXXX XXXX Monthly Payment {$0.00} Date OpenedXXXX Date Closed -- XX/XX/2023 Balance {$0.00} High Balance {$470.00} ExperianXXXX  Account Name : XXXX XXXX Monthly Payment {$0.00} Date OpenedXXXX Date Closed -- XX/XX/2023 Balance {$0.00} High Balance {$580.00} XXXX Account Name : XXXX XXXX Monthly Payment {$0.00} Date OpenedXXXX Date Closed -- XX/XX/2023 Balance {$0.00} High Balance {$580.00}
Product: Checking or savings account

This complaint relates to all of my accounts with JP Morgan Chase. These accounts include four checking, one savings, two credit card, and one direct investment account. 

On XX/XX/2021 I attempted to purchase security derivatives in my direct investment account. I had plenty of liquidity and authorization to do so. I was informed my account was restricted to liquidation only and would be closed on XX/XX/2021. I contacted customer service who could offer no explanation or information except that I would receive a letter in the mail. I subsequently transferred my assets to another firm. 

On XX/XX/2021 I received a letter regarding the closure of my direct investment account that offered no explanation. I filed a complaint with FINRA regarding the direct investment account closure. 

On XX/XX/2021 I attempted a card present transaction on one of my credit cards, which returned declined. I checked my account online and saw that both credit cards were marked as " account closed ''. 

On XX/XX/2021 I visited the XXXX XXXX, OH Chase branch and spoke with Branch Manager XXXX XXXX. XXXX was unable to provide any information other than confirming my credit card accounts were closed but also informed me that my checking and savings accounts were also closed. He could withdraw funds for me, but could not provide any other information or assistance. 

on XX/XX/2021 I contacted Chase customer service. After 40 minutes speaking with various lines of business I was able reach the Executive Office team and file a complaint. That complain number is XXXX. 

I wanted to file with the CFPB to ensure accountability, escalation, and resolution with Chase. I will also file a complaint with the Office of the Comptroller of the Currency 's Customer Assitance Group. As a Federal Bank Examiner employed by the Office of the Comptroller of the Currency I find this treatment absurd and unacceptable.
Product: Debt collection

XXXX XXXX/XXXX XXXX unauthorized debt of {$2000.00}. I have disputed this several times with the credit bureau 's and they advised it was removed on XX/XX/XXXX. On XX/XX/XXXX the debt returned under XXXX XXXX XXXX for a higher balance of {$3100.00}. 

XXXX XXXX- was opened in XXXX as well for {$1400.00}. It was also disputed as fraud and removed. It's now reflecting on my credit account under Portfolio Recovery as of XX/XX/XXXX.
Product: Debt collection

Dear Attorney XXXX XXXX I am providing you with dates and ACH information for payments made to Shellpoint on my mortgage account. I cant understand why this is always an issue with Shell point reporting inaccurate information. Shell point is reporting Ive missed payments from XX/XX/XXXX to XX/XX/XXXX, and payments from XX/XX/XXXX to XX/XX/XXXX. I am providing documentation to dispute these allegations of missed payments and inaccurate payments made. 

XX/XX/XXXX Shell point mortgage {$600.00} XX/XX/XXXX Shell Point mortgage {$900.00} XX/XX/XXXX Shell Point mortgage {$100.00} XX/XX/XXXX Shell Point mortgage {$500.00} XX/XX/XXXX Shell Point mortgage $ {$900.00} XX/XX/XXXX shell Point mortgage {$900.00} XX/XX/XXXX shell Point mortgage {$920.00} XX/XX/XXXX shell Point mortgage {$1000.00} Please see attachment for ACH dates paid and ACH conformation numbers. 

Thank you. 

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

THIS IS NOT A DUPLICATE REPORT! 

This is a complaint on the failure to add POSITIVE items that should be being reported. I have contacted the vendors, and they said that they are reporting each file to all three credit agencies. I have tried MULTIPLE times to have this error fixed! 
I have attached the files in question.
Product: Credit card or prepaid card

Somebody keeps using my name my social security number and date of birth. But not the same address or phone number they keep opening up credit cards on my credit and I've been disputing them and the results are coming back as accurate he's using a XXXX address I've never lived in XXXX. They took out a personal loan for {$8000.00} using my information and using my driver 's license number one digit off. I need to get rid of this XXXX address in my name it is not me
Product: Credit reporting, credit repair services, or other personal consumer reports

I'VE NOTICED THAT MY MOST RECENT CREDIT REPORT CONTAINS A FEW LATE PAYMENTS REPORTED FOR MY JPMCB AUTO ON XX/XX/XXXX AND XX/XX/XXXX. AND FOR MY XXXX  XXXX XXXX I HAVE LATES REPORTING ON XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, AND XX/XX/XXXX. I'VE HAD PERSONAL HARDSHIPS WHICH AFFECTED ME TO CONTINUE MAKING MY ON-TIME PAYMENTS. I'VE MADE A MISTAKE IN FALLING BEHIND, BUT SINCE THEN I WAS ABLE TO IMPROVED MY RECORD ON MAKING ON-TIME PAYMENTS.
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 XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XXXXXXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, This Is my Third written request for Method of Verification. You company has failed to provide me with this information and continue to violate my consumer and civil rights. I have been maintaining accurate logs of my letters and will file a complaint with the CFPB.

These Unverified accounts continue to hinder my ability to obtain credit. Please provide me with the information below : I demand the following Unverified Accounts be provided Physical Verification or Deleted Immediately. Please Provide Method Of Verification.

The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? 
Who verified these accounts? Describe the procedure used and method to determine the accuracy and completeness of the disputed information, including the business name, address and furnisher of information connected to any in accurate information.

You need to do a reasonable investigation in compliance with FCRA section 611 part ( b ) sub sections below.

As per the FCRA : ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the reme
dy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I have been keeping detailed records of each letter with certified US Mail tracking in case needed to pursue further legal action.

I demand the following accounts be verified or removed immediately.

1. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX XXXXXXXX Account Number : XXXX Delete this account. 


2. 15 U.S. CODE 1692E 10 - FALSE OR MISLEADING REPRESENTATIONS XXXX XXXX Account Number : XXXX Delete this account. 


XXXX there is some inaccurate information reporting XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : Listed below are the Accounts that are being challenged XXXX - XXXX XXXX  XXXX - XXXX XXXX - XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX - XXXX XXXX - XXXX XXXX XXXX - XXXX
Product: Debt collection

Reviewed most recent credit report and I noticed a charge off that did not belong to me. After reaching out to the creditors, I was advised to contact the CRA to have the charge off disputed and investigated as they do not have the ability to do so. After contacting the CRA I was meant with push-back even though I expressed the charge off in questions did not belong to me. 

Under code 15 USC 1692g, 15 USC 1681S-2, 15 USC 1681 ( e ) this is a clear violation of inaccurate reporting. I feel that these accounts are adversely affecting my credit report and costing me thousands of dollars in interest every year and ability to obtain new credit to purchase a home.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent documents numerous times to Equifax, XXXX, and XXXX and they still refuse to correct my credit reports. The following Loans have been off since XX/XX/XXXX and the reporting agencies refuse to update my credit reports. The following loans appearing on my credit reports have been paid in full on XX/XX/XXXX : 1. XXXX - account numberXXXX amount paid {$2200.00} 2.  XXXX - account numberXXXX amount paid {$5400.00} 3.  XXXX - account number XXXX amount paid {$5500.00}
Product: Mortgage

I applied for refi on day one. Told a fixed interest rate and that was best they could do. Told process was XXXX.!!! If process continued to appraisal, would cost XXXX if I cancel after that charge occures.Day two I call my original broker, get much better offer.Day three I call and am told they had me sign a variable rate contract by mistake but that they would send correction to sign. NO! No mistakes should have been made. I got a much better offer. Stop everything! Cancel my application and forget I called. I do n't trust you. Then his supervisor called. I repeated everything. He said they might could match the interest but it would be a week or two to go to committe. I told him I already had a locked rate somewhere else STOP EVERYTHING. This was day three. A week later they charged me {$500.00} dollars saying the loan officers were proceding with the loan. I do n't know what it takes with these people, but they obviosley purposfully vindictively continued to charrge my account because I cancelled.I never got a call for an appraisal they supposidly charged me for. When I contacted them today XXXX said she was personally do me a BIG FAVOR. She would try and return the money as they LEGALLY have to. I do n't believe it. HELP!
Product: Credit reporting

Transunion and XXXXhave n't updated myincome for years I receive100 % VA, XXXX pay, and social security. It 's killingme financially
Product: Payday loan, title loan, or personal loan

A few years ago I applied for and received a loan from Springleaf Financial, which was eventually acquired by OneMain Financial. Initially, monthly payments were being applied toward the principle and the loan amount decreased. Once OneMain assumed ownership, communication processes devolved and loan interest began to accrue.

A little over a year ago, my payoff balance for the loan was {$4800.00}. I became ill and was forced to leave my job and spend most of my savings on medical bills. I maintained contact with the loan agency and set up what they referred to as a " mod '' or modification agreement. I would pay {$90.00} a month for 6 months to " get back on track '' with payments and continue to pay down the loan once I started working again.

Over the past few weeks, I have requested documents - including all payments made since the beginning of the loan, as well as the initial loan agreement from both Springleaf as well as OneMain - and have yet to receive any, although three staff members of OneMain have promised to send them.

I called today - XX/XX/XXXX - to see what the payoff amount would be, and was told it would be over {$5200.00}. After taking a closer look at XX/XX/XXXX statements, it appears " mod '' agreement payments were over 90 % interest, with just over {$3.00} going towards the principle.

This may be legal under state guidelines, but it is not right. I was never informed that modification payments would only net {$3.00} towards the principle, while the remainder of the loan accrued interest. I have now paid more than {$2000.00} to OneMain, with zero  reduction in overall balance. I have sought out legal advice and hired and attorney, and I request the CFPB investigate OneMain for fraudulent and misleading practices.
Product: Credit reporting or other personal consumer reports

Transunion is refusing to investigate my fraud claim and repeatedly sends me bad faith letters about how they are unable to determine the nature of my request. It has now been 119 days since I first reported the issue to them. They have hundreds of messages that they explicitly refuse to read and hours of recorded calls. They literally hang up on me when I call them because they think I'm their slave and they want me to XXXX XXXX XXXXXXXX when I interact with them. It is absolutely ridiculous and totally inappropriate. They are blatantly NOT trying to " maintain complete and accurate credit information. They are bad faith stalling because they know they are in the wrong and they defaulted on me and their bankruptcy / credit fraud strategy is to attack their creditors and draw this out as long as possible. I am suffering approximately XXXX XXXX dollars per week in damages as a result of the institutional fraud collectively known as XXXX. I am making zero payments denominated in USD to any US banking or Government entity until they cover their illegal short position and return my collateral. This is an existential problem for the US establishment and if it is not resolved it will result in the destruction of the establishment. The guilty parties have commited treason and enslaved american citizens. I'm not going to participate in any transunion processes or jump through any hoops to help them in their bad faith processes. This is now a political problem. Pay me NOW!