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

I went into a Chase branch on  X/XX/17    to open a checking and savings account because I kept receiving promotions for {$500.00} bonus for opening both and fulfilling various requirements including keeping a balance of {$15000.00} in the savings. After opening both, I logged in online and linked my external account which contained the $  XXXX . The transfer tool only allowed to transfer a max of $  XXXX  so I did and then initiated a second transfer of $  XXXX  in order to fulfill the promo requirement.  <P/> Later that day when I went to log in again, I received an error stating my account was locked and giving me a number to call. I called and spoke to a very rude woman in the Loss  Prevention d epartment who informed me that my accounts were closed, my transfers cancelled and my balance of {$25.00} would be mailed to me. I asked why and she informed me that I was not allowed to know and n o Chase  employee would ever tell me. Over a week later I received  two let ters in the mail indicating that my transfers were flagged as fraudulent.  <P/> If  Chase  had made even the slightest attempt to contact me, then I could have easily identified the transfers as legitimate ( and in fact required based o n Chase 's  own requirements  ). Instea d my accounts were forcibly closed less than  8 h ours after I opened them, despite having over 10 years of history as a  Chase cu stomer.  <P/> Now, I have been told I am banned for life from using any Chase banking accounts ( my Chase credit cards are unaffected ) and I have been denied the opportunity to earn the stated {$500.00} bonus ( for which I continue to receive offers fr om Chase ).
Product: Credit reporting or other personal consumer reports

I have sent in several disputes to credit agency for them to remove the charge off on my credit report with XXXX XXXX My account was won in a lawsuit showing XXXX committed fraud and false statement in procuring the contract therefore in a legal case the company said the contract was null and void yet they proceeded to put on my account as a charge off instead of removing it freely. I asked XXXX  to investigate and remove and they just sent it back that it was accurate. yet a little work looking at county court house records would show the case. So I wish to file this complaint and have this remove off my credit asap. please and thank you. this all started in XXXX of XXXX and is continue on this day XXXX XXXX.
Product: Checking or savings account

XXXX XXXX XXXX. XXXX  XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX XXXX XXXX FULTON BANK NATIONAL ASSOCIATION FULTON BANK XXXX XXXX XXXX XXXX XXXX, NJ XXXX CHECKING ACCOUNT # XXXX OPEN XXXX {$380.00} XXXX CHECKING ACCOUNT # XXXX CLOSE XXXX {$370.00} XXXX DEBIT CARD VISA # XXXX XXXX XXXX XXXX IRREGULARITIES IN THIS BANK : 1- Fulton Bank Statements mention my account as a PRIMAY ACCOUNT. I AM UNAWARE if there is a SECUNDARY ACCOUNT or OTHER FRAUDULENT ACCOUNTS IN MY NAME. I just opened the Account ABOVE. 
2- In the Bank Statements , my Bank Account Number is not mentioned fully. 
3- Fulton Bank did not want to provide me the 2019 FORM 1099-INT.

Due to after moving from this bank to another state bank, I continue to be harrassed in the same way as in New Jersey, ( I suspect Fulton Bank sent MY UNDER INVESTIGATION STATUS ), the consequences OF FULTON BANK FRAUDULENT GOSSIPS HAS CAUSED ME THE FOLLOWING : I have lost a big amount of money moving from state to state ; lost a big amount of money selling my properties immediately after I purchase them ; I am being rejected socially due to people believe I am a criminal or I am crazy ; I have been harassed, I strongly suspect by bank under cover officers. Lies ( that I am a criminal or that I am crazy ), are being spread to my neighbors, church members, employers, singles groups etc. I have been fired from several jobs without any valid reason, and I have been rejected, CONTRADICTORILY, one day after I have been hired VERBALLY. My car have been vandalized ; My personal homes have also been broken into. When I reported it to the Police I was told no one is harassing me, no one is vandalizing my properties, and that I am crazy. The police minimize the problem justifying the police officers, or ignoring at all my complaints. ANY LAWYER WANTS TO SEE MY CASE. XXXX, emails, and cellular phone have been hacked and impersonated bothering my friends and me. 

- Cashiers Check from previous bank is attached ( XXXX XXXX XXXX XXXX ) - Closing transaction is attached. 
- Cashiers check closing account is attached. 
- Bank CLOSING statement is attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by XXXX XXXX XXXX here Is proof.

I was a victim of Identity Theft and I already asked you to block these items in my previous letter.

Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, 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, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

The following items need to be removed and blocked as they are fraudulent. 
1. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX Account Number : XXXX Delete this account. 
2. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX XXXX 3. The inquiry was not authorized XXXX XXXX XXXX  Date of inquiry : XX/XX/2022 Please remove it from my credit report.
Product: Debt collection

I have no idea what this debt is pertaining too. I 've never owed this company anything nor have I ever seen a bill.
Product: Credit reporting or other personal consumer reports

My report lists late payments that dont align with my history. I request these errors be corrected and my account updated.
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 federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX {$160.00} XX/XX/XXXX XX/XX/XXXXXXXX XXXX  {$260.00} XX/XX/XXXX 15 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 reporting, credit repair services, or other personal consumer reports

XXXX XXXX listed multiple 30 and 60 day late payment on my credit report from XX/XX/XXXX to XX/XX/XXXX. This information is incorrect and negatively affecting my credit report. This is reporting on XXXX  and Transunion. Please remove the 30/60 day late payments from my credit reports.
Product: Credit reporting or other personal consumer reports

I found out today that I am a victim of identity theft, and a personal loan has been taken out in my name and Social Security number. The subprime lending institution ( XXXX  ) obtains soft credit pulls in order to approve loans from Clarity Services and XXXX XXXX instead of one of the three major credit reporting bureaus, which means the credit inquiry will not show up on any of the reports that I can obtain through XXXX which is sponsored by the federal government. I tried to obtain my Clarity report through Clarity services, the same day that I realized my identity had been stolen and not only do they ask for an abundance of sensitive information over the phone they want you to mail or fax a copy of your Social Security card and your drivers license before they will send you a report! After being victimized, do you think I would ever risk sending that kind of information in the US mail system? Absolutely absurd. Seems corrupt. I find it interesting that we are required to provide very little information to obtain a credit report through XXXX, which again, is sponsored by the government, but Clarity Services forces you to provide sensitive information in an unsafe manner to obtain a report with your private information on it after somebody has stolen your identity.
Product: Credit reporting or other personal consumer reports

I have many errors on my account and the credit reporting agency is not providing any information around the investigation or proof. it makes no sense to me how an account can be charged off a dozen times and still have a balance. this does not make sense did they file this as a loss a dozen times and why is there a balance if they sold the debt? How can multiple agencies claim the existence of the debt after Charge off and the investigation shows no errors. clearly no investigation was performed. and proof of the investigation was not provided as requested.
Product: Debt collection

American Collections Enterprises XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX This collection agency called my employer and scared my secretary. I do not know how they obtained my work number. They embarrassed me in front of my cowokers. 

I have never given this organization my number or authorized them to give I have never entered into a contract or have any business relationship. 

They are saying I owe them a debt to which has never been validated. I am demanding them to cease and desist any and all collection activity to include, but not limited to remove any and all negative reporting on my credit and reports and to never to contact my via phone work or personal. 

This debt has never been validated so I dispute any and all claim that I have a debt with this agency
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administration proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.
Product: Debt collection

NEWREZ-SHELLPOINT! XXXX!! ARE CROOKS!!! XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/year>!!!!!! I've been trying to resolve this matter peacefully with this company, but no one has responded thus far. They are reporting information to the credit bureaus that's not mine. I did not open this account I didn't not signed loan documents. They've put this nonsense on my credit report and I would like this remove ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

Around XX/XX/XXXX I opened a dispute with all three credit reporting agencies : XXXX, XXXX and Experian about the creditor XXXX and the inaccurate information being reported about me as a consumer. XXXX  was the only bureau to respond around or on XX/XX/XXXX to remove all false and inaccurate accounts with XXXX from my reported files. XXXX was also successful in deleting some of the accounts with XXXX, however one remains and I would like this account removed immediately. It is important to me that what is reported is reflected accurately across the files of each of these bureaus. I have since sent in all the required information to address this last account with XXXX and they continue to fail to remove this account. I have also sent in the required documentation to Experian but all my letters go ignored. I wish for these last two bureaus to take accountability for their error. XXXX has removed the accounts so it is only natural XXXX and Experian remove all the accounts with the creditor XXXX and XXXX XXXX as well.
Product: Credit reporting or other personal consumer reports

XXXX sent a letter to Equifax to remove an inquiry that is showing on my report dated XX/XX/24. They acknowledged they received the letter and that they removed the inquiry. as of today the inquiry is still showing on my report and has not been removed as they said. I want it removed and off of my credit report as per the letter they received stating it was an error.
Product: Credit reporting or other personal consumer reports

Portfolio Recovery is in blatant violation of The Fair Debt Collection Practices Act 1692 ( e ) ( 8 ) which prohibits a debt collector from communicating or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a debt is disputed. 

XXXX XXXX FAILED to comply with the requirements under FDCPA 1692 ( e ) ( 8 ) which is a very serious violation because it failed to mark an account in dispute that it acknowledged receipt of on XX/XX/XXXX. 

I have sent a screenshot with part of my Experian Credit File, Report XXXX XXXX for. XX/XX/XXXX. 

I demand this account be deleted due to their failure to mark account in dispute or I may take legal action.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX bankruptcy dismissed, account number : XXXX ; XXXX  XXXX bankruptcy dismissed, account number : XXXX ; and XXXX XXXX bankruptcy filing, account number : XXXX has violated my rights. Under, 15 U.S. Code 1681, Section 602A states : I have the right to privacy. Additionally, 15 U.S. Code 1681, Section A ( 2 ) states : a consumer reporting agency can not furnish a account without my written instruction. 

Moreover, under the Fair Credit Report Act, this information is incorrect as I do not have ANY active Bankruptcies. 

This is the only credit bureau that refuses to remove these inaccuracies and it is a direct violation of my rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act 15 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

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2021 XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/202XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XX/XX/2021 XXXX OF XXXX XX/XX/2021 XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021
Product: Bank account or service

I wrote and mailed a check for {$200.00} which was stolen from a mailbox and altered to read {$2000.00} and deposited or cashed without being endorsed by someone other than the payee and not at my bank. I discovered this within 24 hours of the check being deposited/cashed and filed a fraud claim with my bank. Thirty-five days have passed and the funds have not been restored to my account and my bank so far is not taking responsibility. In addition, the clearing of the check put my account into a significant overdrawn position of {$1500.00}. While I elected overdraft protection on the account I was surprised that my bank would honor a check which overdrew the account by that much.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/23, the creditor reported a late payment to credit bureau which is incorrect information. I'm requesting that this late payment to be removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've pulled my report and find an XXXX Collection account on it. I never had it. I have no bills with them. Please have this taken way. They say I owe {$290.00} on my credit report. Have them stop it please. I will not attempt pay them unless they can " prove '' I was a customer. Do they have phone records? NO. I was not.
Product: Mortgage

in XXXX i made a request to wells Fargo to change our payment to bi-weekly. I would make the payments as stipulated but wells Fargo would hold onto XXXX payment until the other payment was received. My interest to request a biweekly was to pay off our mortgage sooner. we changed our mortgage to a 15 year loan. On about XXXX we paid off the balance, but I feel we were overchared on interest. 
Please advise and thank you XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I have been an excellent customer, paying my mortgage promptly for over 15 years. I have repeatedly asked for a modification and was denied request because I was NOT LATE with payments. Finally became late because of chronic illness. 
I 've consistently submitted and resubmitted papers, spoke for months with Ocwen reps and was then denied because my income had dropped. This was the point in the modification in first place. I am getting nowhere with this company. 
Ocwen calls my home and hangs up when I pick up the phone. 
This is unacceptable behavior and an unethical business practice. 
My illness makes it extremely difficult to sort through papers and notices again and again. The stress is causing has increased my XXXX. 
Ocwen is throwing a person who is completely alone and ill in the street. I showed good faith all these years by making sure my mortgage was paid, no matter how ill I was. 
It is difficult for me to sit here and type this as I am XXXX from the XXXX compounding to my illness. 
I have asked they stop any actions towards foreclosure and grant me a modification in addition to taking the past due amounts and adding to back end of mortgage as I 've repeatedly requested so I can concentrate on healing and not worrying about dying alone in the cold. 
DON '' T LET THEM STEAL MY HOUSE! THEY 'VE MADE THEIR PROFIT! TREAT ME WITH THE DIGNITY AND RESPECT I DESERVE! 
Absolutely no fair customer service practices and no consumer protection. Please stop this madness!
Product: Credit reporting, credit repair services, or other personal consumer reports

Monterey Financial continues to Re-Age a delinquent account, as well as increase the amount owed. The account was originally reported on my credit on or around XX/XX/XXXX. The account now reflects the open date to be XX/XX/XXXX. It also has increased by approximately {$2000.00} dollars from what was originally reported. I have provided information to the company that proves that the account should no longer be open, but they refuse to investigate with the original creditor as well as the business where the product was returned to and contract cancelled. The account number also continues to change within several emails and dispute inquiries.
Product: Money transfer, virtual currency, or money service

Foolishly, on XX/XX/XXXX I opened a Robinhood account hoping to buy the crypto currency XRP. I had already felt I was a week to XXXX weeks behind a good buying opportunity, but I transferred {$5000.00} into my newly created account on XX/XX/XXXX. By the time that money arrived, nearly a week later on XX/XX/XXXX, I felt like my buying opportunity had past, and I immediately transferred {$3000.00} of the {$5000.00} back into my savings account. With the remaining {$2000.00} I purchased XXXX. Robinhood flagged this as " suspicious '' activity, and locked my account. They requested I submit a virtual selfie through their app of the front, left, and right sides of my face, as well as a virtual scan of the front and back of my ID. This made me extremely nervous to be submitting this online, through an app, with absolutely no human to speak to on their end to assure me my identity wouldn't be stolen somehow by doing this. When I realized this supposedly reputable trading app has absolutely no customer service department to speak with, and their virtual " customer support '' doesn't respond either ( you just type a message and send it, and no response comes back to you ), I knew I was in trouble. Regardless, I submitted the ID requested in an effort to have my remaining funds unlocked so I could transfer them back to my savings account. After I completed this on XX/XX/XXXX or XXXX, it said, " No further action is required, your account is under a review. A decision will be made regarding your account on ____ '' Each day, it said the decision would be made the following day, and each new day nothing happened and the date moved to the next day. That was a week ago. I decided to research online, and found this can drag on for months with Robinhood, so I decided to reach out to you guys for help. I merely want to eat my {$200.00} loss, and transfer the remaining {$1800.00} back into my savings account, and close this Robinhood account for good.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person, I am a living human being l, I have rights under 15USC 1681.

Equifax is governed by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts below be remove because according to 15USC 1681. I have the right to privacy and I did not give Equifax written permission to furnished theses accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX