23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a closed account with XXXX XXXX They have reported false late payments. I have asked XXXX, XXXX and Experian to investigate and provide written documentation of the updated payment history. All three have failed to accurately report and remove accounts that have not been validated. 

XXXX states I was late in XXXX of 2021 with Experian but XXXX I was on time with XXXX and XXXX. I was never late. 

Per o Section 611 ( Procedure in Case of Disputed Accuracy ), that person must, pursuant to Section 623 ( b ) : 1. conduct an investigation regarding the disputed information ; 2. review all relevant information the consumer reporting agency provided along with the notice ; 3. report the results of the investigation to the consumer reporting agency ; 4. if the investigation finds the information is incomplete or inaccurate, report those results to all nationwide consumer reporting agencies to which the financial institution previously provided the information ; and 5. if the disputed information is incomplete, inaccurate, or not verifiable by the person, it must promptly, for purposes of reporting to the consumer reporting agency do one of the following : a. modify the item of information.

b. delete the item of information. 
c. permanently block the reporting of that item of information
Product: Credit reporting or other personal consumer reports

I am being denied access to credit, paying more for insurance due to my insurance score and being denied by apartment XXXX to sign as grantor on my daughter 's apartment lease. All because I have no outstanding loans, and I no longer have any credit cards. I have been denied by XXXX XXXX XXXX for their credit card ... I can not obtain credit and I'm being penalized and treated like a deadbeat because I have no outstanding loans. I have XXXX years of continuous employment, I own a home without a mortgage. I own XXXX vehicles without debt, because I choose to live below my means and have been able to pay off all debt XXXX years ago. I had home mortgages and car loans from XXXX to XXXX. I am gainfully employed, have never been late on paying bills, never a collection nor bankruptcy. Had a high XXXX XXXX until XXXX when we discovered someone stole our identity. Score then dipped due to no fault of my own and took XXXX years to recover, now because I don't have any debt, it's dropped to below XXXX according the apartment XXXX who has denied me as serving as grantor on my daughter 's lease. If this isn't crazy, I don't know what constitutes craziness. I need your help to restore my financial reporting records to excellent. I shouldn't have to borrow money to have an excellent status.
Product: Debt collection

Received an alert from Experian that a new account was placed for collection by a company by the name of XXXX XXXX XXXX on XX/XX/17. I do not have a contract or have done business with this company. This new listed collection account has dropped my credit score by several points.
Product: Credit reporting or other personal consumer reports

Dear CFPB Representatives, During the XXXX pandemic, I became a victim of cybercrimes that impacted my ability to access bank accounts. As a result, I lost access to my account temporarily and was forced to change my phone number and take steps to secure my personal information. I believe these incidents contributed to the negative reporting on my ChexSystems file. 

Since then, I have been unable to access or review my ChexSystems report. I have tried multiple times to register on their website and contact them directly, but all attempts have failed. As a result, I can not identify or dispute any inaccurate or outdated information on my report. 

This situation has had a significant impact on my life : Family finances : I recently got married and want to open a joint bank account with my spouse, but this has been impossible due to the restrictions tied to my ChexSystems report. 

Business operations : I am in the process of starting a company, and I need a business bank account, but I have been denied because of this report.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted and multiple FTC Reports regarding the account that do not belong to me. 

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

I have some inquires on my report that were not authorized by me from the follow companies, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX please delete these inquires they are not mine. I am compelled to demand that you provide communication exclusively through printed letter. Please contact me about this inquires in writing, to me at home. If this reasonable request can not be met, this may indicate Trans Union XXXX, XXXX disregard for consumer protection statutes.
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 confidentiality under 15 USC 1681. 

Account name : XXXX  XXXX XXXX # XXXX Account name : XXXX XXXX XXXX XXXX XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights. Or 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 XXXX 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

PORTFOLIO RECOV ASSOC Portfolio Recovery Associates, LLC Disputes Department XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX. 


To Whom It XXXX Concern : This letter is in response to your phone call on dated XX/XX/2018, concerning the above-referenced account number. 

I have checked with my state Attorney General and confirmed that the statute of limitations on this type of debt has expired. Therefore, if you choose to pursue this matter in court, I will be forced to show proof that the statute of limitations has expired. 
Let this letter serve as notification that I do not wish to be contacted about this debt any further except to be notified that future collection efforts are terminated. 
Any other communication regarding this debt will be taken as a violation of the Fair Debt Collection Practices Act. I demand you " Remove this from my credit report within 30 days or I shall seek justice in the court room, Or contact XXXX, XXXX and XXXX that this account falls under California statatue of limitations, This debt has expired and you are being asked to remove this from my credit report. 

XXXX Pacific standard time XX/XX/2018 - Letter sent Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I explain to XXXX XXXXXXXX I don't have XXXX account somebody using my credit card that this fraud and you are holding accountable I need fix they told me i have to contact the Bureaus. XXXX told me it is being investigated, and I have heard nothing I have even provide them proof
Product: Credit reporting or other personal consumer reports

There are Alot Of Fraudulent accounts on my credit Reports Listed Below XXXX Account # XXXX XXXX  XXXX Account # XXXX XXXX  XXXX Account # XXXX XXXX  XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX
Product: Debt collection

In XXXX XXXX we were working on doing a cash-out refinance to pay of credit cards amongst other things. So the finance company wrote out checks to all the creditors and we verified their mailing addresses and sent out the checks. The only one we did not send was the XXXX Jewelers as we had more than paid the amount owed of {$4800.00} and some ( {$5400.00} ). The {$600.00} was returned by XXXX as it was {$7.00} dollars short of the total and eventually paid the collection agency XXXX XXXX XXXX  ) {$610.00} on XX/XX/XXXX. The check for credit one was sent out and when I check what happened to check it was received by XXXX but somehow ended up at a XXXX XXXX bank where it disappeared ( checking with XXXX XXXX tomorrow why a check with the payee name of XXXX XXXX was cashed or deposited at their branch and not to the account written on the check itself ( as requested by XXXX XXXX  ). So now we have to collection agencys that have the same XXXX XXXX XXXX  contract which was paid of in full on XX/XX/XXXX to XXXX XXXX XXXX Now I have a company called Cavalry Spv 1, LLC coming after me for the above mentioned XXXX XXXX
Product: Checking or savings account

On XX/XX/XXXX our house was damaged during Hurricane Ida. 
We filed claims with our insurance providers who paid a small percentage of the damage. 
The covered items were electrical, heating systems and unfinished Sheetrock plus a small percentage of contents which was approximately 30 % of our actual loss. 
Both insurances provided funds to repair the house but because we have a mortgage with JPMorgan Chase, both claim checks included the bank as a payee. The bank deposited these funds into an escrow account and blocked the disbursement of funds to us. 
The bank then instructed me to sign into XXXX in order to manage the disbursement of funds. After the initial inspection in XXXX XX/XX/XXXX which showed that all the items covered by the insurance payments were repaired, the bank issued a small percentage of the claim funds and claimed that I needed to complete the repairs in order to receive the rest of the funds, even when the claim funds did not cover any of the additional repairs such as painting, moldings, etc. 
We were forced to pay from our savings for all the repairs which were completed at the end of XX/XX/XXXX. 
Since then, we called the bank numerous times to request the release of funds without avail. 
After calling both the bank representatives and insurancecheckfunds.com ( also part of JP Morgan Chase ) numerous times we were unable to get the funds released. 
JP Morgan Chase is still keeping these funds at the writing of this complain on XX/XX/XXXX. 
Even when we pay our bills on time, pay for the insurances, pay our mortgage and never fail to pay ANY bill, the process of collecting the insurance claim funds has been incredible difficult and time consuming. 

In addition to this, after voicing our concerns we were told lies after lies by the bank employees. We were told that the funds were released twice but never received. 
Even XXXX shows all parts of the process completed for 2 months now but the funds not yet released by the bank. 

However the biggest concern is that we needed to have savings in order to front all expenses. 
If we did not have available savings XXXX young girls, my wife and I could have spent this winter freezing in our own house because of the way the bank handled this process. 

We would really appreciate any help to fix this process for us and all others in need that may not have extra money saved and could be put in such dire situation. 

Is this even legal? 

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

My issue is related to the creditor XXXX XXXX. I have notified XXXX XXXX in writing and also by disputing on my credit report a claim that is not accurate. I have n't ever had a mortgage as reported by XXXX XXXX I 've disputed this with them over the phone with minimal results. I 've asked for a copy of the contract bearing my signature or any documention proving my knowledge of account without any results. I 've asked for verification of the alleged debt and XXXX XXXX has n't provided me with anything. Please help!
Product: Checking or savings account

My account was suspended by discover a year ago. I had {$1200.00} in my account at that time. Discover only sent me a closing check of {$200.00}. I tried to contact them over the past year for the rest {$1000.00} but they either did not respond to my request or claimed they sent the check but the check never arrived. Discover is a thief!
Product: Credit card

I made a $ XXXX dollar payment to my Citi credit card on Tuesday XX/XX/XXXX. The funds were withdrawn from my XXXX checking the following day ( as any previous normal payment ). Friday XX/XX/XXXX I called to understand why those funds had not been applied to my account, even though they showed the payment as received. I was told the funds were being held until at least XX/XX/XXXX, with no further information or ability to escalate. 

I do not understand how a company can take a payment from me, funds clear my account and they hold that money without interest for more than XXXX weeks with no recourse. At a minimum I would expect they XXXX way call with myself and XXXX to confirm the payment is completed and authorized and apply the funds immediately to my account.
Product: Credit card or prepaid card

Rented a car in XXXX and paid with Chase Shappire Reserve. Part of the benefits include rental insurance coverage. Had accident that involved damage to the front bumper which the rental company charged to my credit card directly ( XXXX USD ). Submitted claim via Chase 's rental car insurance provider ( XXXX XXXX ) on XX/XX/2022. Since then they have been giving me the run around asking for same documents over and over. I can, talk to someone on their side over the phone. They confirm that they can see the required information and that they will add notes to the account. I have even requested a call from the claims adjuster, which they say they will also add to the notes of the account. Not only I never get a call back but they just reply with a generic template asking for same documents I've already provided over and over.
Product: Credit card

Chase ( JPMCB ) has falsely marked that they have not received payment on my credit card account from XXXX XXXX XXXX. I signed up for a payment plan with Chase and have been enrolled in this plan since XX/XX/XXXX, and have been making the agreed upon payments. I called Chase 5 times on XX/XX/XXXX to try to remedy this, and I kept being bounced between departments, getting hung up on, or finally was told " there was nothing that could be done '' by someone in the " credit reporting '' department. I then disputed through XXXX XXXX and XXXX. Both disputes claim to be " updated '', but I don't see that anything was remedied. This incompetence has caused major damage to my credit and my life. It has also caused a lot of emotional damage as well, which was even detected by a Chase representative who asked if I was ok due to the way my voice sounded. This is incredibly unacceptable.
Product: Credit reporting, credit repair services, or other personal consumer reports

Disputed with the Bureaus and made calls to remove the inaccurate information.
Product: Debt collection

Midland Credit has sued me for a credit card debt of {$4500.00}. I have asked them to validate the debt. I have sent multiple letters asking for validation per 1692g of the FDCPA. I have not received a valid response from Midland Credit. 

I have received a response from their lawyers, saying that my request for validation is irrelevant, immaterial, cumbersome confidential, and attorney-client privilege. 

I have been requesting validation of this debt for the past 60 days and am not getting the information needed to verify the debt.
Product: Credit reporting

My credit score has dropped XXXX points since XX/XX/2017 to date, however the credit monitoring service nor XXXX, Transunion or XXXX credit bureaus can provide an explanation of the factors that influenced such a significant change.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, [ XXXX XXXX XXXXXXXX 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 604 A Section 2 states a consumer reporting agency can not furnish an account without my written instructions. The Estate of XXXX XXXX XXXX is not privy to any contracts between XXXX XXXX XXXX and its associates. I DO NOT UNDERSTAND, I DO NOT CONSENT, I DO NOT ACCEPT. I DEMAND A CEASE AND DESIST, YOU XXXX XXXX XXXX ARE NOT AUTHORIZE TO USE OF THE TRADE NAME OF THE ESTATE OR COPY RIGHT ON ALL MEDIUMS AND PUBLIC PLATFORMS. FAIR NOTICE TO ALL PARTIES INVOLVED. THIS IS A XXXX COPY RIGHT INFRINGEMENT VIOLATION ACCORDING TO THE ESTATE FEE SCHEDULE OF FILE. THE ESTATE WILL ALSO BILL XXXX FOR COMMERCIAL INJURY. THIS IS A PUBLIC COMMUNICATION TO ALL All rights reserved UCC1-308 Notice to agents is notice to principles Notice to principles is Notice to Agents Applications to all successors and assigns
Product: Money transfer, virtual currency, or money service

Coinbase will not let me transfer any of the currency I have purchased ( I own BTC, LTC, BCH, and  ETH ) through its platform anywhere -- not to other exchanges, not even to my own private wallet. I have tried to transfer each currency multiple times and each time Coinbase refuses the transfer saying that I need to upload an ID document before it can allow a transfer. Coinbase has already verified my identity sufficiently to allow me to purchase currency -- they even raised my purchase limit twice, first to {$2500.00}, then to {$10000.00}. But they wo n't let me access those funds, effectively freezing the funds I have deposited without explaining why or giving me any way to proceed. 

The problem is that I have uploaded my valid, Texas drivers license many times now ( each time using clear photos that conform to Coinbase 's guidelines ) and each time it is rejected without a reason approximately 12 hours later. Each time rejection comes with the error message : Failed : unknown response status. There is no guidance on the website explaining what this message means or how to remedy whatever problem is causing the rejection. Coinbase 's customer service consists of a chat bot, a recorded message, and an email account that does not respond to messages. I have repeatedly tried to contact the company through these avenues with no success. 

Coinbase encouraged me to deposit more funds with them but I would not have done so if I had known that they would be effectively frozen and inaccessible. If I had known about this issue I would never have used their service. They have rejected with no explanation every effort that I have made to fix this issue. The company offers no way to remedy the problem, as their customer service is illusory at best. This is fraud.
Product: Checking or savings account

In XX/XX/2022, I opened a new Checking and Savings account with Citizens Bank using a targeted promotional offer. The terms of the Savings account bonus were to earn a {$300.00} Savings bonus, you must open your first new personal savings account on the same date as a new checking account and make deposits totaling {$200.00} into the new savings account every month for 3 consecutive months. A total of {$600.00} must be on deposit in the new savings account until the end of the bonus period. I deposited {$200.00} for three consecutive months and maintained that balance through XX/XX/XXXX, which is when the bonus should have been paid. I did not receive the bonus and contacted Citizens Bank customer service on XX/XX/2022 to inquire. They informed me that because I opened the account in XXXX, I had to deposit in XXXX instead of XXXX. I don't recall seeing this specified anywhere in the terms of the offer despite their explanation. They also would not provide me with a written copy of these terms when asked. The only timetable on the offer I received stated a deadline for the deposits based on account opening date and a date for the bonus to be paid, not that the deposits must start in XXXX as opposed to XXXX. At best, this is a misleading attempt to avoid paying the {$300.00} welcome bonus. As a new customer, it is extremely frustrating to have kept my money on deposit in this new savings account with Citizens Bank for several months with the expectation of receiving this welcome bonus, and then being given the runaround.
Product: Money transfers

I got this letter in the mail that i was a Mystery Shopper there was a money order for {$980.00} I depoist this money order in my checkng account, I started doimg what the letter said for me to do. I shop for the thing i was suppose to get, then I gat a money gram for the rest of the money, It was {$770.00} plus {$11.00} for tranfer. Then today I got a latter from my bank that they returned the money that I deposit,, now I am out {$1700.00}. can I get my money back.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023, sent and dispute letter containing several inquiries that were requested from a third party without my permission after car shopping. It has been over 60 days and I've yet to have received a response from Experian regarding my dispute. Since these inquiries were ran without my permission or prior consent then they should be removed from my credit report expeditiously in addition to Experian not responding to my dispute within 30 days in accordance with the Fair Credit Reporting Act.