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

I deposited two checks from my tenant into my Chase checking account on XX/XX/2022. The total deposited amount was {$5200.00}. I received a notice from Chase on XX/XX/XXXX saying my account would be closed soon. I contacted their security team at XXXX several times and received different responses. First, they wanted to verify with the check issuer in person at a local Chase branch, but my tenant was no where close to a Chase branch. I provided my tenant 's phone number so that the Chase security team could verify with him over the phone, and Chase did verify with my tenant. I was told that the restriction on my checking account would be lifted in a week. However, when I went to a local Chase branch on XX/XX/XXXX, the banker told me my checking account was still going to be closed, but I would receive a check from Chase for the remaining balance in my account. It was unclear what would happen to the {$5200.00} that I deposited. My tenant verified with his bank that the money had been released to Chase, so Chase was withholding the money for whatever reason that their security system came up with. I contacted the security team again on XX/XX/XXXX, and they said the only solution was for my tenant to verify the transaction at a local Chase branch. However, it is difficult to schedule an appointment with local branches. I was not allowed to cancel those transactions. If we don't go to a local branch in person, Chase will send the money to the State as unclaimed funds. 

I just want to figure out a solution with Chase without requiring my tenant to go to a local branch. Chase verified with him over the phone, and the paying bank has already released the funds. Why is Chase still withholding my money? I have to pay my mortgage, XXXX fees, and utility bills. I am at the risk of running out of cash because of the hold that Chase put on my account. They could not even explain why they placed the hold because it was automatically done by their security system. 

Here is the recording of my conversation with Chase security team : https : XXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX U.S.C, 1681section 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card or prepaid card

Yes thank you! .. Ive been trying to pay on the phone as XXXX compass bank said _last month that they had an internal/technical problem with the XXXX app.. however my complaint is I tried to pay with my XXXX bank on my current account _this month before the due date ( & previously ) as usual.. 
Recording ; _no operators available to take your call! _ Ive tried now three days and get a recording to leave my telephone number for _call back when they arent so busy__ I did <ph # can only leave it once> this is crazy.. now a late fee?
Product: Credit reporting, credit repair services, or other personal consumer reports

Disputed incorrect information through three credit reporting agencies and creditor, Navient continuously reported back more incorrect dates and balances on a charged off account. Date of first delinquency was in XXXX. Navient is reporting this now as if this was charged off in XXXX, XXXX, XXXX. In some places reporting payment history which did not occur or reporting continuous billing of interest charges on a charged off account. 

THIS CHARGED OFF COLLECTION ACCOUNT WAS INCLUDED IN MY DEBTOR LIST AND LIST OF DEBTS DURING FILING IN XX/XX/XXXX OF BANKRUPTCY WHICH WAS DISCHARGED IN COURT IN XX/XX/XXXX Navient keeps violating FCRA policy by misreporting and advancing dates intentionally re-aging this debt and extending the time reported negatively on credit file. 

In addition, this item was a private loan, charged off collection account. Not a federal student loan. I was able to work out terms on my federa loans but no options were available on the private loan that has bounced from collector to collector incurring {$40000.00} in interest charges. I can not get Navient to verify the date of first delinquency which occurred in XXXX. They keep reporting different dates.
Product: Credit reporting or other personal consumer reports

I am victim of identity theft, resulting in fraudulent and unauthorized use of my banking account information. An unknown party accessed their financial information without consent, leading to unauthorized transactions. Bank was aware of situation. 
The situation was never resolved. I am victim of identity theft was falsely accused of fraudulent activity despite being the one affected by unauthorized banking transactions. Although they reported the issue, the bank took no corrective action to address the fraud. Instead, they were held me responsible for the unauthorized usage, leading to financial and reputation consequences beyond my control.
Product: Debt collection

I hired Lexington law firm in XXXX and XXXX to fix my credit I called them back in XXXX or XXXX of this year to request documentaries on what they done concerning my credit report and everything I had paid to them.the rep explained to me that she could not to back that far to provide me with the payment history from XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The police report along with the id theft advadift shows the fraudulent accounts the credit reporting agencies reporting section 605b of the fcra requires them to block these accounts after 4 days of submission of police report and id theft adfadvit
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted OneMain Financial Corporate office on XXXX XX/XX/XXXX regarding an incorrect reporting of a payment on my account ( XXXX  days late XX/XX/XXXX ). I sent a letter at the request of the Customer Service Representative on XXXX XX/XX/XXXX as well. I received a letter back stating that they have determined that my account history is being reported correctly. I have never been late and I need more information or I can file in court.
Product: Credit reporting or other personal consumer reports

I did not gibe authorization for this company to run my credit report from XXXX.
Product: Mortgage

In XXXX I needed a loan modification and HUD agreed, and gave me a partial claim loan for XXXX. I purchased the house for XXXX in XXXX and currently owe XXXX. I was only behind XXXX. That leaves XXXX that I owe HUD and XXXX to the mortgage company. If I was only behind XXXX why do I owe so much to HUD on top of my mortgage. My payments monthly are XXXX and wasn't lowered that much. I'm asking the company for a break down to better understand how I'm behind XXXX. It's like I'm paying for money I didn't receive and where have my monthly payments been going since I owe more than what I bought the house for.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out several times to the bureau to remove this erroneous items from my report. The bureau states that the item is verified. I have requested them to send me information on to whom they have spoken with at the company, when, and how. Without no response on how they verified the information as accurate. 
XXXX XXXX /// Charge off XXXX
Product: Money transfer, virtual currency, or money service

Fraud / scam was took place from XXXX realtor site through XXXX XXXX and XXXX XXXX XXXX XXXX XXXX. Wells Fargo will not give money back due to it is sent through XXXX or to XXXX XXXX. I due have proof but is considered my fault. Although, they ask you to report scam when you notice it happened.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX  # XXXX ( CLOSED ), 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

I entered into a contract with XXXX XXXX/XXXX and the date of my last payment was XXXX XX/XX/XXXX. This account was brought by XXXX XXXX XXXX on XX/XX/XXXX. Date of Delinquency XX/XX/XXXX. I personally feel as though the Statute of Limitations have expired on this account based on the year the judgement was filed. In addition, there was no renewal of the initial judgement entered. This neglect was due to a divorce and loss of job. I really feel as though this judgement must be removed from my title on my home based on the Statute of Limitations.
Product: Debt collection

My credit report shows two separate accounts for LVNV Funding for XXXX XXXX. I havent received any correspondence via mail.
Product: Credit reporting or other personal consumer reports

Im in disagreement with the account listed below which still appears on my credit report, even after your investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my XXXX XXXX. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX
Product: Mortgage

they have increased the rate from 3.1 % to 5.1 % in the last 3 months
Product: Debt collection

To continue - I contacted XXXX and talked to XXXX, XXXX and XXXX. Told to call Discover and spoke to XXXX, XXXX XXXX ( disconnected ), spoke to XXXX, and XXXX. Told I had to pay total of XXXX by XX/XX/XXXX - i told them I could pay as I only get a little of {$1800.00} per month from SS ( after working since I was XXXX XXXX XXXX to XXXX XXXX XXXX. Was told by SS that they didnt count work before I was XXXX XXXX XXXX even-though I worked several full and part-time jobs prior.. I cant pay that and pay other bills. XXXX has not responded to a request for a three-way call.
Product: Debt collection

I contacted the company on XX/XX/XXXX through the link provided on the written debt collection notice, received XX/XX/XXXX, which gave an ultimatum of XX/XX/XXXX for writing back to them. I requested to know what services accrued this debt, and why I had never been billed for a debt from XXXX until now, when the collection agency contacted me. I was never contacted back and when I called five times ( three times to the number provided on the letter and twice to different numbers I found on the internet ) I was hung up on each time after a message saying my call was very important and the next representative would answer it. It is the XXXX and I have not successfully gotten a response from this company. I am concerned about my credit score especially, and whether this debt is legitimate.
Product: Money transfer, virtual currency, or money service

a total of XXXX XXXX Dollars were wire-transferred from my account in Chase bank and was used in a scam and lost. I sent dispute letters to the bank with no positive result. please refer to the attached letter for more details
Product: Debt collection

I have filed two police reports due to identity theft. This has been going on for almost 3 years now. A police report was filed with XXXX XXXX XXXX XXXX XXXX in XXXX office when i first discovered the identity theft & then again with the XXXX XXXX XXXX XXXX XXXX in XXXX. A copy of the XXXX XXXX report was sent to the FTC in XXXX, ICE ( FBI ) report was done in XXXX. I have gone to the social security office but was told they can not help me and sent away. Most recently a tag has been registered in my name in the state of Texas & two credit cards taken out in my name. With the newest card account I did contact the creditor directly and spoke with a XXXX she advised they could not do anything until another report was filed with the FTC. Please see both police report number below. case # XXXX : XXXX case # XXXX : XXXX
Product: Checking or savings account

XX/XX/2019 XXXX I tried using an ATM in XXXX ( I had a travel alert on my card ) and the ATM took my card, acted like the transaction went through and no money or receipt came out. I filed with my bank ( chase ) a claim ( XXXX ) and it was denied saying I received the cash. This is incorrect. They are now demanding I give proof that I didnt get the money, which is impossible due to the ATM never giving me a receipt and just going back to the home screen after not dispensing the money.
Product: Credit reporting, credit repair services, or other personal consumer reports

DISPUTE RESPONSE 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft Shall be removed from the consumers report not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identit theft!! Please delete these items as soon as possible!

These accounts should not be furnished on my consumer report as they are in VIOLATION!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT.

As a federally protected consumer I am demanding the deletion of the accounts listed IMMEDIATELY.

I do not agree they did not remove fraud Account PERSONAL NOTE '' THIS FRAUD ACCOUNT BEING ON MY CONSUMERS REPORT IS HOLDING ME BACK FROM EVOLVING AS A CITIZEN IAM NOT ABLE TO OBTAIN A HOME OR APARTMENT A GOOD PAYING JOB OR EVEN A LOAN OR CREDIT CARD! I DEMAND AS A FEDERALLY PROTECTED CONSUMER THAT THE CREDIT BUREAUS AND ALL COMPANIES INVOLVED REMOVE FRAUDULENT ACCOUNT OFF MY CREDIT REPORT AND CONSUMERS REPORT NOW PERMANENTLY!

I HAVE ALREADY DISPUTE THIS FRAUD ACCOUNT EVEN BEFORE THIS IN XXXX. I HAVE MADE AN IDENTITY THEFT CLAIM IN XXXX AS WELL THIS FRAUD ACCOUNT SHOULD HAVE BEEN REMOVED WITH IN 4 DAYS OF RECIEPT OF COMPLAINT!! ALL COMPANIES INVOLVED IS NOW IN VIOLATION OF THE LAW " FAIR CARES ACT '' AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE THE COMPANY AND CREDIT BUREAUS HAVE NOT REMOVED FRAUD ACCOUNT IT IS NOW XXXX XXXX XXXX POTENTIALLY NEGATIVE MONTH Balance details Paid off - Balance {$680.00} Balance updated XX/XX/XXXX Original balance - Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Utility Payment summary XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PAYMENT HISTORY LEGEND Status Collection account. {$680.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Past due amount {$680.00} Original balance - Monthly payment - Additional info Responsibility Individual Terms 1 Month Company sold - Original creditor - Comments Account closed at credit grantor 's request Your statement - Contact info Address XXXX XXXX XXXX XXXX, TX XXXX Phone number ( XXXX ) XXXX
Product: Debt collection

This debt is not mine and has previously been removed from my XXXX Credit report. This company " Commonwealth Financial Systems " continues to keep putting this collection account on my credit reports even after the have failed to provide proof this account belongs to me. In fact they have deleted the collection account on my XXXX credit report then they resubmitted it on my XXXX credit report. I disputed it on XXXX credit report # XXXX, but XXXX stated it was verified by Commonwealth Financial Systems to be mine, but both companies Commonwealth Financial Systems and XXXX have failed to show how it was verified and refuse to show proof this disputed account belongs to me after several attempts of requesting the information. Commonwealth Financial Systems need to be held accountable for their false reporting of collection accounts. I am requesting Commonwealth Financial Systems provide proof this collection account is valid and belongs to me. I request they provide me with a document bearing my signature showing I am the responsible party for this debt. When Commonwealth Financial Systems fail to provide such information I request this false collection account be IMMEDIATELY DELETED from my XXXX credit file until such document can be provided bearing my signature showing I am responsible for this debt. This companies continued actions has cause severe damage to my credit rating without providing me any document bearing my signature showing I have agreed to pay this debt or that this debt belongs to me. They have verified this account as my account with Equifax on XXXX XXXX, 2015 and failed to provide me proof how this collection account was verified to be mine. If Commonwealth Financial Systems denies this I can download proof they are liars because my ( XXXX dispute confirmation number is # XXXX ) and Commonwealth Financial Systems needs to be held responsible for the damage they have caused to my credit rating. I am demanding this collection account be deleted from any and all three of my credit files where it is listed XXXX, XXXX and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX Balance on XX/XX/XXXX {$3000.00} {$2500.00} DISCOVER FIN SVCS LLC Account number XXXX Date opened XX/XX/XXXX Account type Credit Card Balance on XX/XX/XXXX {$6900.00} {$6500.00} XXXX CARD Account Info Account number XXXX Date opened XX/XX/XXXX Account type Credit Card Balance on XX/XX/XXXX {$11000.00} {$10000.00} 2. I am a victim of identity theft ; my personal information was stolen and used to obtain loans and credit cards. However, I was in prison from XX/XX/XXXX to XX/XX/XXXX when the fraud did not happen nor I have not benefited from any of this. I provided proof that I was incarceration ( identity theft report, the accounts, paper work from the government of my incarceration and validation letters ) to the creditors and all 3 credit bureaus ( XXXX, XXXX and XXXX ) XXXX and XXXX was completed but not XXXX which they continue to keep reporting to the credit bureaus. I notified the credit bureaus several times and kept getting the same response ( verified ). They have not provided no evidence to prove that these accounts belongs to me. No signature that matches my handwriting or coming into any of their facilities ( of course i was in prison ). I have tried every method going back and forth which is giving me no justice at all. This has caused me XXXX, XXXX and XXXX. I would like the accounts removed immediately. I provided all my evidence to prove that it wasn't me even down to the signatures on loan documents.
Product: Debt collection

On several occasions I attempted to get information related to the debit, my request were ignored.

I do not have an contract with IQ Data, I have no record of signing any agreement.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to communicate with them to let know that these where not my accounts. But they have continued to disregard the information that I am give them.
Product: Debt collection

This Debt Collection Company, XXXX XXXX XXXX XXXX XXXX sent me information on XX/XX/year> of a debt they claim i owe. I do not owe this debt or recognize this online debt or contract. This company does not have the correct information and they have the wrong Identity. They are in violation of state and federal compliance rules and regulations. I will not allow them to bully me with emails and letters asking me to pay them money. Please cease and desist all calls and contact with me immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX again reduced XXXX from credit score and trying to bring Dawn my score every month. 
The XXXX and XXXX scores are not match at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

Report in the wrong address on my credit report still have it removed for hard inquiries, and affecting my credit Delete this account immediately unless you want to be held XXXX per violation XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

When making extra payments or early payments they're not crediting them effective the date they're received but rather holding them until the due date allowing extra interest to accrue. When I questioned them about this I was simply told this is their policy. When I explained this was against federal regulation and that the payment must be posted effective the date it's received they told me someone else would call me back who never did.
Product: Debt collection

XXXX is reporting inaccurate, false information which is a clear violation of the FCRA and violates my rights which the DATE OF LAST ACTIVITY IS BEING REPORTED, just disputing an account shouldn't not re-set the date of last activity this is considered an administrative event it can only be reset by making a payment for which I've never did it's shows on my credit report as XXXX please delete immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made many complaints/disputes to Equifax regarding XXXX reporting inaccurate and unfair information on my credit report. Equifax has conducted superficial inquiries regarding this matter. I have asked repeatedly for them to conduct a reasonable investigation regarding an unfair report of a 30 day late payment-XXXX XXXX, due to the creditor 's lack of proper notification to present the payment coupon ( sent to a wrong address ) which resulted to the creditor not properly notifiing me in a timely manner. I have sent supporting evidence and attachments via mail to Equifax. Equifax must conduct a reasonable investigation of this mishapes and correct the error on my credit report. Equifax contacting and accepting XXXXXXXX XXXX  swift response without evidence of substantiated verification of the 30 day late is not the proper course of action that is acceptable per previous judicial hearings.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting multiple collections with the account numbers # XXXX, # XXXX, # XXXX, # XXXX to my credit that are past the Statute of Limitations in Utah. These collections are fully paid off and should no longer be reporting to my credit, I would like them removed.