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

I applied for a Small Business Loan through the SBA and was approved on XX/XX/XXXX. On XX/XX/XXXX ( Friday ), the funds were deposited in my checking account. On Saturday, XX/XX/XXXX, I visited the bank ( JP Morgan Chase ), met with the branch Manager and asked  about the funds. She stated that the funds were on hold and that they needed to clear and that I needed to bring proof that I indeed own or had a business. I indicated that I would do so and that as soon as the County Clerk 's office was open, that I would bring a copy of my DBA certificate. On XX/XX/XXXX ( three days later ), the bank arbitrarily and without notification, closed my checking account that I had had for the past 10 years. Upon learning about this, I visited the bank on Friday, XX/XX/XXXX and again spoke to the branch manager ( XXXX ) who placed several calls to the chase customer service number to try to clarify the situation and was unable to. On Saturday, XX/XX/XXXX, I got a letter stating that no action will be take on my account. I am concerned because the SBA loan in the amount of {$33000.00} the bank has not been able to say what happened to the funds. I even presented the loan signing document and promissory note to show that this was a legitimate transaction and they were not able to help. They also froze ALL of my other accounts and thus I have no access to any money.
Product: Checking or savings account

On XX/XX/year> chime stole my money which was XXXX due to what they deemed to be suspicious activity which makes no sense and is XXXX i sent them all the info requested and still got no helpful response or information which is insane how can a bank operate like this and just keep my money XXXX but they let people scammed them and keep there accounts but hard working Americans facing troubled times get the short end of the stick? I dont agree with that please help me recover my money from chime
Product: Debt collection

XXXX credit report showed Enhanced Recovery collection account. 
XXXX requested validation from Enhanced Recovery collection XXXX Enhanced Recovery removed collection account from XXXX and XXXX XXXX Enhanced added the account back under new account number and higher amount to XXXX and XXXX credit reports with different open date. 

However Enhanced Recovery never responded to validation request
Product: Credit reporting or other personal consumer reports

I am writing to formally request that you block certain erroneous data reported on my credit report, pursuant to 15 U.S.C. 1681c-2 of the Fair Credit Reporting Act. It has come to my attention that incorrect information has been included in my credit report, which I believe to be the result of identity theft. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within XXXX business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and EXPERIAN has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit reporting act. The Account below has violated my federally protected consumer under 15 USC 1681. 

Account name : XXXX XXXXXXXX, Account Number : XXXX Has Violated My Rights. 

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

15 U.S.C.1681 Section 604 A section 2, states a consumer reporting agency can not furnish an account without my written instructions 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 and crimes which antedates the report by 7 years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall nui 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 or other personal consumer reports

I noticed a Non-Authorized Hard Credit pull on my Equifax credit report that was pulled on XX/XX/2021 by XXXX. I contacted Equifax immediately via certified mail that this was an unauthorized release of my credit report and to please investigate and remove it. I also called XXXX and spoke w/their credit department. They verified they had NO Information on the credit report request. They told me they would send a letter to Equifax so the inquiry could be removed. This has been going on for years with Equifax with no resolution. I've requested proof that they have completed a full and documented investigation and this has NEVER been supplied to me.
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER:XXXX  as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES number : XXXX XXXX  number : XXXX
Product: Debt collection

I have noticed a debt on my report which does not belong to me. I have tried numerous times to resolve this issue with Midland Funding but to no avail.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX, I mailed a certified letter to OneMain Financial disputing the information on my credit report and asking for verification of the account. I received a response that said it was accurate but they did not send any verification documents and just said that the account has been sold. No dispute was placed on my credit report as required by Fair Credit Reporting Action and the Fair Debt Collection Practices Act. On XX/XX/XXXX, I mailed a certified letter to OneMain Financial stating that they violated federal law by not putting the dispute remarks and once again requesting validation documents showing my signature. They responded that they would not address any more disputes. Once again no documents were sent and no dispute remarks were placed on my credit report. XXXX XX/XX/XXXX, I sent a final letter regarding them not putting the dispute remarks on my account and stating that since they have violated federal and state laws numerous times, the account must be deleted. They responded that my dispute does not provide specific information. Since they continue to violate federal and state reporting laws, the account must be deleted. All correspondence is attached.
Product: Credit reporting or other personal consumer reports

Filed many disputes for almost a year now with Consumer credit bureaus and sent XXXX letters since XX/XX/2023. Has not be resolved per my countless request.
Product: Credit reporting or other personal consumer reports

I received a copy of my TransUnion credit report, and noticed some late payments that needs to be deleted. It is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Your agency has committed a violation of my federal and consumer rights ; evidence is provided in 15 USC 1681b ( 2 ) of the Fair Credit Reporting Act, which is detailed below.

15 USC 1681b ( 2 ) - permissible purposes of consumer reports, THE LAW CLEARLY STATES : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

I did NOT give your agency written authorization or written instructions to report this information.

Your agency has not only committed aggravated identity theft but has also falsely accused me of defaming my character, to name a few damages that may be awarded in court, in addition to violating the Fair Credit Reporting Act.

As detailed below, XXXX, XXXX, and TransUnion have also violated my consumer rights.

15 U.S. Code 1666b - Timing of payments ( 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.

The disclosure of this information not only violates federal law but also constitutes aggravated identity theft and character defamation against me, similar to how your agency has harmed me ( 15 USC 1666b ) by failing to obtain my written consent to report such information.

Late payments can not be reported if the consumer was not notified 21 days prior to the due date. It should state " mailed or delivered '' to the customer.
Product: Money transfer, virtual currency, or money service

I had money stolen from me had was unable to contact any live representative
Product: Checking or savings account

Saw 4 pending unauthorized transection totaling {$79.00} dated todayXX/XX/XXXX, called my local branch to report it but no one answered the phone during their working hours! called their main XXXX XXXX XXXX and was transferred to fraud dept and narrated my story for about 25 minutes to Ms XXXX gave her all the info and then got disconnected, this rep did not even try calling me back! 
Called TDBank again waited to reach the fraud dept took about 27 minutes while new Rep Ms XXXX gathered all the info, refused to let me speak to the previous rep Ms XXXX, or her supervisor or manager, refused to ask their manager to call me or would not even share her supervisor 's email!! 
Even thought they have all my contact info on file they fail to inform me of any impending fradulant debits. 
Also unwilling to stop the impending fraudulant debits charges occuring while i was reporting!!!!! 
I am not sure what to do, can you please help. 
XXXX XXXX
Product: Credit reporting or other personal consumer reports

Subject : Dispute of XXXX XXXX XXXX Collection Account Unlicensed in Arizona and Invalid Debt To Whom It May Concern, I am writing to formally dispute the accuracy of the XXXX XXXX XXXX account reporting on my credit report under 15 U.S.C. 1681i, as it is incorrect, invalid, and violates state law. This account is listed under a collection from XXXX XXXX XXXX, which I have never had an account with. 

I believe this account is being reported in error for the following reasons : XXXX XXXX XXXX Is Not Licensed in Arizona : As per the National Mortgage Licensing System ( NMLS ), XXXX XXXX XXXX is not licensed to operate as a debt collector in the state of Arizona. The Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692e ( 5 ) prohibits false representations of legal status. As this entity is not authorized to collect debt in Arizona, they are legally prohibited from reporting such accounts in this state. 

Account from XXXX XXXX XXXX  : I have never had a XXXX XXXX XXXX  account, nor have I ever signed any agreement with them. The presence of this account on my credit report constitutes a clear identity theft issue or other error that must be corrected. 

Under the Fair Credit Reporting Act ( FCRA ), specifically XXXX XXXX. XXXX, I am entitled to dispute any account that is inaccurately reported on my credit report. Given that XXXX XXXX XXXX is not licensed to collect debt in Arizona, and this debt is not mine, I respectfully request the immediate deletion of this collection account from all three major credit bureaus ( XXXX, Experian, and XXXX ). 

I also request that you thoroughly investigate this issue and confirm the deletion of this account within 30 days, as required under the FCRA.

Failure to investigate or correct this inaccurate information will result in further action on my part, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and the Arizona Attorney Generals Office. 
Please notify me in writing that this account has been removed and that my credit report has been corrected. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Checking or savings account

XX/XX/year> a fraudulent withdraw was made from my Bank of America account equal approximately {$3900.00} of {$900.00} x4 withdrawals and we advised the bank. They gave us a new account and we did report a fraud claim which stated take 90 days. We have not received any further details or response yet.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2021 XXXX XXXX {$36000.00} this is not correct information reporting to the credit bureau. unverifiable information ( A ) 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 shall- ( i ) 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 promptly notify the furnisher of that informatiob
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this complaint about experian credit reporting agency. There are 3 items on my credit report that do not belong on there. The XXXX account ( I am uploading a letter as proof that fraud was done on this account ) and it was to be deleted. XXXX XXXX XXXX account does not belong reporting either. I have submitted numerous disputes with them but the situation is never rectified. My credit score is lower than it should be because of these accounts that shouldnt be on there.
Product: Credit reporting, credit repair services, or other personal consumer reports

The agency reported that check XXXX which I made payable to XXXX was not paid the date the agency answered original complaint however enclosed I have document that check pas paid XX/XX/24 the rate check was resubmitted to my bank requested Certegy correct there reporting immediately
Product: Credit reporting or other personal consumer reports

I recently checked my credit report and I noticed certain information was false and there were accounts reported that I did not authorized.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX XXXX XXXX are glad to hear XXXX XXXX  festing up about the scam conducted against me by XXXX XXXX his family and supporters are truly a nightmare over a decade of major frauds and he slipping through the system. Your letter dated XX/XX/XXXX are a sign that this will soon be resolved but let it be known and factually clear that you employer XXXX came across to me as very honest person and she said that YES THIS IS YOUR LOAN BUT THERE IS ANOTHER NAME HERE XXXX XXXX. You can always play it for the CFPB to hear that I am giving all facts no lies. 

A huge problem is they were able to steal my claims including the OCC as I am the guy from XXXX XXXX XXXX with the trust account and appears my resolution with XXXX XXXX  got stolen from me. Unfortunately the amanzes have went to everyone judges, police and brokers saying he conducted this loan with XXXX XXXX without years and years not clearing this up and i suffered from. Then XX/XX/XXXX upon my leaving out the very next day i came back to finish moving and he and XXXX XXXX refused to let me in to get my other items. I had a brand new washer, dryer, microwave, stove and refrigerator and were locked out by them and i walked away from this denying me that they did. 

Then in XX/XX/XXXX he started an action in court an PPO saying I were threatening he and his family. I SWEAR TO GOD THAT WHEN HE STARTED THESE LIES THAT I WERE THREATENING HIM I HAD NOT SEEN HIS FACE SINCE XX/XX/XXXX UNTIL AT THE PPO HEARING SINCE HE HAD MOVED IN MY HOUSE IN XX/XX/XXXX AND JUST SEEMS UNREAL HE COULD HAVE DONE THIS. 

PLEASE NOTIFY THE XXXX POLICE  WHOM HE CONSTANTLY TOLD THEM THAT HE BOUGHT THE HOUSE FROM XXXX XXXX FOR XXXX, A LIE. 

THE FEMALE DETECTIVE THE FIRST TO HAVE THE INVESTIGATION CASE TOLD ME, IT IS HIS HOUSE AND HE BOUGHT IT FROM XXXX XXXX FOR XXXX.
Product: Mortgage

Every year Carrington mortgage service increase my monthly payment claiming a projected tax increase which the original monthly payment escrow is more than enough to cover the taxes. The taxes has not increase either. They also increase my monthly payment because they clam that there was not enough in the escrow to cover the taxes. 
They also my it difficult to have your monthly payment applied to the account after making a payment. They applied the payment after the grace period so that they can charge a late fee even thou you have prove that the payment was made in plenty of time. I have asked them to stop calling me but they continue to call for nonsense.
Product: Credit reporting or other personal consumer reports

File Identification Number : XXXX Provided by XXXX XXXX Relations On XXXX I did a credit check. It stated that I owe Chime Bank, a total of {$330.00} dollars. This is impossible. One I haven't had a account with them in years. Two there is no overdraft on the account I closed. Then when I tried to contact them about this, they won't give me any information, etc. Years ago I was hacked and suffered from identity theft this is the only possible way for this. I did not owe this bank for anything. Now I'm tryin to dispute this and nothing is going on
Product: Credit reporting or other personal consumer reports

I review my credit report and the following items are not mine. 

Also my fico credit score decreases with items it should increase with. 

Credit card theft XXXX XXXX Credit card - open XX/XX/2019. For XXXX XXXX credit card - opened XX/XX/2019 For XXXX Inquires XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

My roommate and I moved into the apartments at XXXX of XXXX XXXX in XXXX in XX/XX/2019. The apartment was not clean when we moved in, and we had not been allowed to see our apartment before the move in date. We told the office and they insisted it had been cleaned so we had to clean it ourselves. We had many issues with them over the year we lived there including AC and power going out multiple times. AC was out for two weeks once, we couldnt stay at the apartment because it was over 90 degrees outside. They put fan units in to try to keep it cool and these fans leaked out water all over the carpet causing damage. We decided not to renew our lease and expected our full deposit back because we left it much cleaner than wed found it, no damage other than to the carpet that was caused by their fans. Not only did we not get any deposit back, they charged us {$400.00} claiming they had to replace carpet. They are the ones that caused the damage to the carpet, and also they were remodeling all apartments and taking out the carpet anyway. They charged us for the remodeling they were doing, we did not leave any damage to that apartment. I have called their office and their management multiple times over this last year. Ive left message after message and no one has returned my call. Now I have this charge on my credit that I dont deserve. They still owe us our deposit. They took our deposit and charged us more money on top of it when we left zero damage to the apartment. I cant afford a lawyer and have no idea what to do about this situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act 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 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 reviewed my Consumer Reports and noticed that I had late payments on accounts that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the accounts : XXXX  XXXX XXXX Balance : {$4800.00} XXXX XXXX Balance : {$1200.00} XXXX XXXX XXXX Balance : {$3500.00} XXXX  XXXX XXXX Balance : {$4100.00}