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

My company had sent a wire from a business account on or about XX/XX/21 in the amount of {$4100.00} to JP Morgan Chase bank, commercial customer. The wire was sent with a typo in the account number, which we take responsibility for. The rest of the information was correct and accurate. Chase credited the funds to a recipient that did NOT match any of the information on the recipient details of said wire other than the account number. The sending financial institution reached out to chase multiple times immediately after this occurred with no response from chase other than : We are getting permission from our customer to debit the funds. Chase does not need the customer 's permission to debit said funds as they were credited erroneously to Chase 's customer. 

Chase was NEGLIGENT in not verifying a single piece of information on this wire and allowing it to flow through instead of rejecting same for a mismatch. This is a tremendous liability on XXXX issues as well as anti-money laundering checks. The fact that a wire can disappear to an unknown recipient 's bank, with no recourse is terrifying and Chase should be sanctioned for this and liable to return funds to the originating institution. 

Further, if for some reason Chase is not willing to do this or CFPB decides Chase is not liable, then, at a minimum, Chase must disclose the receiving party name, XXXX, address and phone number to the sending Financial Institution. Being that this recipient is committing acts of fraud by keeping said funds, in addition to unjust enrichment under civil law, Chase is duty bound to forward those details, so that we XXXX initiate suit in the relevant jurisdiction against said unknown recipient, which I fully intend to do. I am hoping someone at CFPB can get Chase to wisen up and act properly. 

Chase likely is short staffed and overworked which is why they let t things through without so much as a glance from a human in an effort to save costs, Well, there are costs to those they serve!
Product: Credit reporting, credit repair services, or other personal consumer reports

While TransUnion allows people to freeze, unfreeze and check credit reports online, I have been unable to access my already existing account for technical problems at their end. I needed to apply for a new credit card and was not able to log in to either check my report or freeze/ unfreeze my credit. I spoke to XXXX in technical support on XX/XX/2022 at XXXX who assured me this will be fixed and told me to call another number ( yet another wait in the queue ) to get the credit unfrozen. 
As of the time of this writing the problem has not been fixed and I am still unable to access my credit report.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent at least three letters to Equifax, XXXX, and XXXX in regards to a collection account from XXXX XXXX regarding the incorrect reporting of a collections account on my credit report. The account was resolved on XX/XX/XXXX. As of XX/XX/XXXX ( two months later ) it remains incorrectly reported. I have repeatedly spoken to XXXX XXXX who claims to have updated the account the day it was resolved. When I contact all three credit Bureaus, they say they have verified the account is correctly reported. They are reporting the balance as XXXX and it should be XXXX. Since it has been incorrectly reported for more than 45 days, I want the account removed completely from all credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a loan through Universal Credit and followed up with all the steps that they had asked of me. They deposited funds into my account and asked me to withdraw and send back and I did. Next thing I know they have altered a check in my account that I cashed over a month ago and changed the amount. Did that twice and now my bank account have been frozen, and they are trying to charge me for the money that I never received.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2023 Request for Deletion of Charge-off with Forward Follow Agreement I hope this letter finds you well. I am writing to formally request the deletion of my charge-off, as per the terms of the Forward Follow Agreement that was previously agreed upon between Jefferson Capital Systems and XXXXXXXX XXXX As outlined in the agreement, the purpose of the Forward Follow Agreement was to allow the collection of specific data for a predetermined period of time. However, the agreed-upon period has now come to an end, and I kindly request that you initiate the deletion process for the charge-off as specified in the agreement. 

Please ensure that all data related to the charge-off is completely and irretrievably deleted from your systems and any associated storage devices. This includes any backups or duplicates of the data that may exist. I also request that you provide me with a written confirmation of the completion of the deletion process. 

I understand that data privacy and protection are crucial, and I appreciate your attention to this matter. If you require any additional information or documentation from my end to facilitate the deletion process, please do not hesitate to let me know, and I will promptly provide the necessary details. 

I kindly request that you carry out the deletion process within 3 business days to comply with the terms of the agreement. 

Thank you for your cooperation in this matter. I look forward to receiving your confirmation of the deletion process.
Product: Debt collection

Convergent Outsourcing Inc. Is attempting to collect a debt claiming I owe XXXX XXXX but my account is in good standing with XXXX I literally used it to buy a bike less then XXXX hours ago.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}, {$0.00}, {$0.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- STUDENT ACCOUNTS 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

4. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Product: Checking or savings account

I tried to transfer the sum of {$500.00} from my Chase Bank account to my XXXX XXXX account using XXXX. I wanted to transfer the sum using a phone number option. Unfortunately I mistakenly typed a wrong number, and the money was paid to a wrong customer.

I called Chase immediately to initiate a reversal, but they said they cant reverse the transaction. I also called XXXX to see if a reversal could be initiated, but XXXX did not reverse the transaction either. Chase told me to call the customer, but the customer is NOT picking up the call. 

Please could you help me with this reversal? 

My account number is XXXX, Chase Bank Account name : XXXX XXXX Transaction number : XXXX
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 this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Noticed my credit score dropped and looked into it, realized an account was showing an account in collections that i had not opened. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX MA With a balance of {$1300.00} and original creditor noted to be XXXX XXXX 

I called Experian and was told that the account was opened in XXXX. I have never lived in XXXX and did not authorize anyone to open an account. I have live in my current home since XXXX  and have not live elsewhere since XXXX. 

I started a dispute report with Experian and received an email today that they verified the account as accurate. 

Not sure what else i need to do to prove that this account was not opened by me or authorized by me. Please let me know what more i need to do to get this off my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. As I reviewed my recent report, I have found an erroneous information reporting on my Equifax Credit Report. I am not sure if you have conducted a thorough investigation for the stated item below : XXXX XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX  Acct # XXXX Subject : Dispute of Inaccurate Information on Credit Report I am writing to formally dispute and request correction of inaccurate information on my credit report. The account details in question are as follows : Creditor Name : XXXX XXXX XXXXXXXX XXXX  Account Number : XXXX Current Status : Closed Under the provisions of the Fair Credit Reporting Act ( 15 USC 1681 ), I am asserting my rights regarding this matter. Specifically, I refer to the following sections : Section 602 ( 15 USC 1681a-2 ), which guarantees my right to privacy and control over the dissemination of my credit information. Section 1666b of 15 USCS, which states that a creditor may not treat a late payment on a credit card account under an open-end consumer credit plan as late for any purpose. Despite the closure of this account, it continues to be reported as late. This is inaccurate and misleading, as no late payments occurred after the account was closed. I request that XXXX XXXX XXXX  investigate this matter promptly and remove the inaccurate late payment information from my credit report. Please provide me with a written confirmation of the correction once it has been made. Enclosed with this letter are copies of relevant documents supporting my dispute, including proof of the account closure and any other pertinent information. Thank you for your attention to this matter. Please inform me of the steps being taken to resolve this issue within the timeframe prescribed by law.
Product: Credit reporting or other personal consumer reports

Several inquiries pop on my credit report I have uploaded ftc report with inquiry XXXX XXXX  and XXXXXXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

check these accounts that appear on my credit report, they do not belong to me, it is hurting me Identity Theft XXXX XXXX  Account Number : XXXX This is not mine. 

4. Identity Theft GINNY 'S XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX  XXXX Account Number : XXXX This is not mine. 

6. Identity Theft XXXX/XXXX  Account Number : XXXX This is not mine. 

7. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

8. Identity Theft XXXX  XXXX Account Number : XXXX This is not mine. 

dentity Theft XXXX XXXX Account Number : XXXX This is not mine. 

8. Identity Theft XXXX/XXXX  Account Number : XXXX This is not mine. 

9. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

10. Identity Theft XXXX XXXX/XXXX XXXX Account Number : XXXX This is not mine. 
Identity Theft XXXX/XXXX  Account Number : XXXX This is not mine. 
. Identity Theft XXXX XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine.
Product: Credit reporting or other personal consumer reports

I am thankful for your help in removing some of the negative items from my credit file. However, there are still a few incorrect items that need to be removed. This is my third attempt to notify you that I was harmed by incorrect credit report details and I write to dispute these items in my file resulting from this matter. The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please remove the reporting of any information in my credit file that resulted from the inaccuracies in my credit profile : Equifax : XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX ; XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance Owed : {$820.00} ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX : XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX ; XXXX XXXXXXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance Owed : {$820.00} ; XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$4900.00} ; XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$320.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX. These items are unknown to me. Also, the information you provided on these items are DELETED from other bureaus and I have doubts about their accuracy and the reported payment history on these items are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind.
Product: Credit reporting, credit repair services, or other personal consumer reports

recklessly putting soft inquiries i opted out of seeing it an all 3 major credit agencies XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX declined me,XXXX  fcra, same job XXXX years dti lesa THAN 11 % WHAT DO I HAVE TO HAVE 800? THESES COMPANT USING UNFARILY LENDING PRACTICES B/C I HAD MY id THEFT STOLEN.. i VERIFY IN PERSON IT Was me and answered all there question..
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX I am writing to delete the following information off my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask the items to be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed enclosed copies of the Commissions Identity Theft Affidavit. Please delete these items as soon as possible. These negative remarks are hindering me in attaining not only a mortgage but also a car loan.
Product: Credit reporting or other personal consumer reports

The items listed below are reported on my credit file and were found in my reports with 3 credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law regarding identity theft. Additionally, the credit reporting agency & data furnisher have not provided any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Payday loan, title loan, personal loan, or advance loan

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX I seen that a installment loan with world finance, that I had made the week before XXXX XXXX XXXX was in defaulted and sold to XXXX different collection agencies and is on my report multiple times.Im trying to settle this account
Product: Credit reporting or other personal consumer reports

This is my other request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : 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: Checking or savings account

On Thursday, XX/XX/XXXX, I went to XXXX XXXX XXXX in XXXX, NC, to cash a money order. I filled out the necessary forms and was told that a checking account would be opened for me. I stated that I did not want the account. My money order was cashed, I was told to press several buttons ( Green and Red ) on the credit card machine, and then I was given a packet of information describing a checking account ( XXXX XXXX XXXX by XXXX ) that was opened for me. The cashier told me that the account was opened automatically for everyone and that I would just have to call XXXX and cancel the account if I did n't want it. I called the phone number provided as soon as I left XXXX XXXX XXXX and was told by the representative that I could only close the account if I paid a {$15.00} closing fee. I explained that the account was opened without my approval, but the representative insisted that I had to pay the fee. I asked to speak to a supervisor and was connected with XXXX. XXXX also said that I needed to pay the fee. When I refused, he stated that I needed to return to XXXX XXXX XXXX to have the account closed without a fee. When I pressed him on why the bank itself could n't do this and that I was going to contact the CFPB, XXXX placed me on hold. When he got back on the phone, he stated that he was closing the account and waiving the fee. He stated that this would take 1-2 days. On Tuesday, XX/XX/XXXX, I received a text message stating that my XXXX XXXX XXXX Debit Card was mailed. I called XXXX again to check why the account was n't closed. I spoke to a representative who said that the account was escalated to a manager, but not closed. After being placed on hold several times, the representative told me that I could only close the account if I paid the {$15.00} fee. When I explained my previous experience and the resolution given to me by XXXX, the representative said she understood my concern, but offered no resolution other than me paying the fee. I asked to speak to a manager to resolve the issue. I was placed on hold for 40 minutes before ending the call.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the following information in my file. I recently received a copy of my credit report and noticed there is an unauthorized credit inquiry made by the company. To my knowledge, i have not signed any documents authorizing the company in question to view my credit report. this listed inquiry was without authorization, and for no legitimate business reason. 

Finally, I am requesting that it will be removed immediately from my credit report according to the provisions of 612 ( 15 USC 1681 ).
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX, NY XXXXXXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$5200.00} Charged off XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$5400.00} Charged off XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$2600.00} Late/Open XXXXXXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$1800.00} Late/Closed XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$2000.00} Late/Open Inquiry : XXXXXXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attached an FTC report with accounts and inquiries I did not authorize, please delete these as they are affecting me so I can not buy a house also update my personal information
Product: Mortgage

On XX/XX/2020 our mortgage was transferred to mr. cooper ( nationstar ) .Our 2020 tax bill was to be paid when escrow was transferred over.It is now almost the end of XXXX and the tax bill still has not been paid by them.I have called 4 times and emailed 3 times trying to get this straightened out with no progress.In the meantime our county keeps adding fees onto the original tax bill.
Product: Student loan

They've put my case with collections already i have 4 different schools and four different loans. I can't pay back if i have no income or way of getting my credit score back up. Also ive told them im XXXX XXXX XXXX and i recieve social securit. Net nel handled it then and still no results
Product: Credit reporting or other personal consumer reports

in accordance with the fair credit reporting act. Pursuant to 18 USC 8. the list of account below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681b 2 Account name : XXXX  XXXX XXXX XXXX # XXXX Account name : XXXX BANK XXXX XXXX # XXXX Account name : XXXX XXXX XXXX, # XXXX Account name : XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 se

ction 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.

15U.S.C 1681c. ( a ) ( 5 ) Section State : no consumer reporting agency may make any consumer report containing any of the following items of information anu 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate