23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

This is additional information and complaint regarding jpmorgan chase original complaint # XXXX. 
This is with regards to the {$50000.00} wire transfer my mother was scammed and coerced into doing on XX/XX/XXXX. My mother was convinced by an XXXX representative imposter that she needed to wire transfer {$50000.00} from her checking account to XXXX XXXX to investigate fradulent charges to her XXXX account ( which was all a hoax ). She went to her local jp morgan chase branch on XX/XX/XXXX and requested this transfer which was processed at approx XXXX XXXX PST. When I, XXXX XXXX, her daughter found out about this the next morning at approx XXXX XXXX PST, I called Chase and spoke with the fraud department immediately and reported it as fraud and to STOP the transfer immediately. I had a 55 minute phone call ( 90 % of which I was on hold ) and told they would not continue with the case unless I continued to wait on hold while they researched it. I had to start work at that time ( approx XXXX XXXX ) and stated they could call me back with questions, but the representative refused to do so. I reiterated that I gave them all the information I had and to report it as fraud and stop the transfer immediately. My mother, XXXX XXXX, then went to the local branch in person at XXXX XXXX on XX/XX/XXXX and spoke with XXXX XXXX and advised the transfer was fraudulent and to stop it immediately as well. 
After speaking with this representative and the branch manager, XXXX XXXX, myself in person on monday XX/XX/XXXX, I find that they did not take adequate steps to verify the authenticity of this transfer. No one called me to question this extraordinary amount, recipient, or transfer destination despite me being joint checking account holder. Also, appallingly, after my mother went in on XX/XX/XXXX to report the fraud and attempt to stop the transfer, they reissued her another chase credit card on that same day- despite her reporting that she was just scammed- which is completely unethical and irresponsible.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! 
These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

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

CHILD SUPPORT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

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

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

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

In accordance with the Fair Credit Reporting Act, the following accounts have violated my rights. 

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 15 USC 1681 states that I, the consumer , have the right to privacy.

15 USC 1681b states a consumer reporting agency may not furnish a consumer report without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my sixth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion 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: Credit reporting, credit repair services, or other personal consumer reports

I'm sending a complaint in accordance with the Fair Credit Reporting Act 's guidelines to ask that the accounts, which I believe to be erroneous and incomplete, be looked into right away and REMOVED on my credit report. I think Transunion has not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. I am not legally responsible to pay the credit card bill or any debts that build up as an authorized user. This information seems to be confusing. I need these to be removed immediately! 

XXXX XXXX, XXXX XXXX
Product: Credit card

On XX/XX/2023 I opened a dispute with Chase Card Services stating that merchant XXXX XXXX XXXX XXXX XXXX cancelled partial legs of my international flight without processing a refund & not providing me a redressal even though continuously promising me that would be done. 
Chase card services decided to contact the merchant instead of opening a dispute with the credit card network, this caused precious time to be lost since credit card networks have a policy of allowing disputes only up to XXXX days after transaction/travel dates. 
Subsequently on XX/XX/XXXX I was told that dispute has been closed & Chase card services on subsequent phone inquiry told me that the actual dispute could not be submitted since more than XXXX  days have elapsed since cancelled flight dates. 

In this process Chase card services procedure for customer dispute processing was designed to waste time eventually rejecting customer dispute claim. 
Taking XXXX days running the clock to get dispute outside of XXXX ( credit card network dispute timeframe ) amounted to willful negligence.
Product: Credit reporting or other personal consumer reports

CFPB, can you please make them remove these negative accounts that's infecting my consumer credit report. Under consumer code 15 USC 1681eb. According to the IRS canceled debt a ( CHARGE OFF ) is gross or ordinary income. Income doesn't get reported on your consumer report. Since income doesn't get reported on your consumer report. A ( CHARGE OFF ) is a inaccurate account and it have to be removed. XXXXXXXX XXXX # XXXX, XXXX XXXX  # XXXX, XXXX XXXX  # XXXX. Thank you
Product: Debt collection

On XX/XX/XXXX, XXXX XXXX reported a collection of {$110.00} & {$410.00}, and XXXX XXXX reported {$120.00} to the credit bureaus from XXXX and XXXX. I reached out to XXXX, who also handled the billing for XXXX at that time, and confirmed they had been receiving returned mail as undeliverable ( from a wrong address ). I asked them to confirm the address they had on file and found out they had the wrong address which means, I never received any letters, nor did I receive any calls about this debt. I asked them how can they report something to my credit file when I never received any communications to try and resolve the debt. As of today, I have paid the debt and asked that the collections be removed from my credit file, considering they never tried to locate a good address to send me communications. 

I am asking that all adverse reporting be removed from my credit file immediately.
Product: Credit card

The account is invalid NET CREDIT INC. needs to verify under oath that this claim is valid, free from any claims and defenses including but not limited to any breach of agreement, failure of consideration, or material alterations, and that the original lender provided value. Further, the alleged account was transferred in good faith and with the consent of all parties involved. If they are unable to provide under oath the previously listed item then I require the account to be removed from my credit & their records. NET CREDIT XXXX
Product: Credit reporting or other personal consumer reports

XXXX, which offers XXXX XXXX, posts month after month that a balance is owed on a credit account closed in 2019 ( After it was charged off and sold according to them ) a and now, each time I dispute the info, they validate it within 20-30 minutes without even investigating or looking into correcting the issue. They are violating the FCRA in multiple ways and refusing to correct this or delete this account is a violation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. XXXX XXXX has me at a credit score over XXXXtransunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. XXXX XXXX say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX  and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX XXXX
Product: Mortgage

Complainant was referred by a web lending service to First South Mortgage in XXXX, TX. XXXX/XXXX/2015. Complainant was contacted by said lender and conveyed intentions to secure a refi cash out loan on a Texas rental property and use for the down on a new XXXX loan for a winter home In XXXX XXXX, TX. Loan officer assured me she could handle both loans by XXXX/XXXX/2015. Complainant entered into due diligence with loan agent. Loan agent misrepresented capacity and failed to close on dates promised, Complainant incurred XXXX extensions and addition expense due to lender malpractice. Lender upon indicating they would close the mortgages scheduled the remote notary to my home and it was discovered the refi was not included in the documents but delayed XXXX weeks. Complainant had to scramble and secure {$110000.00}. to provide closing funds to not lose the house. After contacting lender for why I was not informed both loans were not included, they lied and told me they never intended to run the loans concurrent, as was discussed on XXXX/XXXX/2015 and the basis of my awarding the loan packages. Complainant was not informed he was required to post personal funds to close, lender `` XXXX '' the XXXX mortgage and postponed the refi, after ALL due diligence had been done, to the tune of XXXX hours of my time and my secretary for both loans. ON XXXX XXXX lender emailed me, dropping the refi entirely, leaving me holding the bag for {$110000.00}. out of pocket and having to find a new lender to facilitate making me whole. Many details and malfeasance is left out here and can be included at a later date. The Texas XXXX indicate the Application of First South to begin business in Texas was not fully approved as of XXXX, 2015, according to their web site. Lender jumped the gun and began taking referrals from a web site and conducted business with this Complainant in a shoddy and criminal manner, without having completed their obligations to the State of Texas..
Product: Credit reporting or other personal consumer reports

I have recently obtained my consumer credit report from your bureau and wish to dispute the completeness and accuracy of certain information. This information is adversely affecting my XXXX report, and I request immediate correction. I expect your investigation to be completed within 30  days. Following your investigation, please furnish me with an updated credit report and the contact information of the individuals involved.. The details I am disputing are as follows : XXXX XXXX XXXX and XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX, XXXX DOB:XX/XX/XXXX SSN # :XXXX Experian / XXXX XXXX. XXXX XXXX XXXX, TX XXXX To Experian Dispute Department I recently pulled my credit report and I discovered upon viewing that the following listings below are reporting inaccurately. I have included a screenshot highlighting in yellow each violation as proof. Please Update the following to Paid As Agreed Immediately. 

Update XXXX XXXX to paid as agreed/never late because of multiple inaccuracies. 1. In the " Payment Sections '' of the listings. XXXX and XXXX is reporting that I was late 120 days. However Experian is reporting that I am 180 days late. How could this be? 2. In the " Last Payment sections '' of this listing. Eperian and XXXX is reporting ( XX/XX/XXXX. ) as my last payment. However XXXX is reporting ( XX/XX/XXXX ) my as last payment. 3. In the " Open Date Sections '' of this listing. Experian and XXXX is reporting ( XX/XX/XXXX. ) as of the date the account was opened. However XXXX is reporting ( XX/XX/XXXX. ) as of the date the account was opened. Who did you get these dates from? These dates are inconsistent. Don't you get your information from the same company? 4. Additionally, this is a closed account will activity still reporting on it as of XX/XX/XXXX And I understand that any one inaccuracy reporting on my account makes the entire account invaild and must be deleted. I take this matter very seriously. Because of your apparent neglect in ensuring that everything on my credit report is 100 % accurate, complete and timely. Update to account to paid as agreed/never late. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX, XXXX DOB:XX/XX/XXXX SSN # :XXXX
Product: Credit reporting or other personal consumer reports

After pulling a copy of my Consumer credit report I noticed that credit karma XXXX XXXX and TransUnion is in multiple violations and Im entitled to monetary compensation under FCRA 15 U.S. Code 1681s2 - 15 U.S.C. 1681 ( c ) ( XXXX ) ( A ) ( B ) ( i ) ( XXXX ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer ( Inquires ) - ( XXXX ) In general A consumer reporting agency may furnish a consumer report relating to any consumer pursuant to subparagraph ( A ) or ( C ) of subsection ( a ) ( XXXX ) in connection with any credit or insurance transaction that is not initiated by the consumer only if ( A ) the consumer authorizes the agency to provide such report to such person or ( B ) ( i ) the transaction consists of a firm offer of credit or insurance. 
( XXXX ) INFORMATION regarding inquiries Except as provided in section XXXX ( a ) ( XXXX ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. 
Under FCRA 15 U.S. Code 1681n ( b ) ( B ) in the case of liability of a natural person for obtaining a credit report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ( XXXX ) such number of punitive damages as the court may allow. 
I did not initiate any of these inquires furthermore if you feel like I did, please send me copies of my written signature giving consent to this matter. 
The items below should all be removed from my consumer report under 15 US Code 1681 ( c ) ( XXXX ) ( A ) ( B ) ( i ) ( XXXX ). 
Under 15 US Code 1681n ( b ) civil liability of a natural person Ive been violated. You supposed to add notice within XXXX days not XXXX day over as i have proof. As a consumer by law these accounts on this letter must be deleted immediately or I will seek monetary damages for violation of my rights in small claims court in my city and state under 15 USC 1681n civil liability because Ive been violated. 


Inquiries : Dates : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Someone opened up a XXXX XXXX credit card in my name and ran up a balance, I have not had any accounts with XXXX XXXX, nor have I did any applications. I would like for this to be investigated and removed from my credit profile immediately. The account is XXXX XXXX XXXX XXXX is the account number shown on my credit report
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items that are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : 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: Credit reporting, credit repair services, or other personal consumer reports

I have previously disputed negative/adverse items on my credit report and requested validation in form of the original signed documents or contracts. On   XXXX   XXXX   XXXX     I sent a certified letter to Experian regarding unverified negative items being reported on my credit report. I specified that I was requesting Experian to comply with the federal law and send me the original signed documentation/contracts showing my signature on these negative items that they are verifying on my report. After Experian 's " investigation '' the negative items came back as being verified with no documentation with my signature that is required by the FCRA. I have spoken with numerous reps at Experian regarding these negative items and have yet to get this resolved. Experian has told me that their " verification '' consists of sending an electronic message to the courthouse or company through  XXXX  Once the court or company " verifies '' it, the information is sent back to the credit bureaus. I contacted the court and they advised me they DO NOT disclose, release, or verify any information with the credit bureaus or any  XXXX  parties. I decided to call Experian back, spoke with another rep this time and they advised me that the information is verified by a runner that goes to the courthouse to " verify. '' I asked what information does the runner give to the courthouse and how and what kind of physical information does the runner give back to the credit bureau. They could not answer that so I spoke with a manager that stated that since this was a reinvestigation, no runner was involved. The manager advised me that Experian uses a " form '' that they send to the courthouse. I asked what type of " form '' and where is it sent because the courts confirmed with me that they DO NOT verify with the credit bureaus. Experian refuses to give me physical documentation ( whether tangible or electronic ) that they use to verify these items on my report.
Product: Debt collection

On XX/XX/XXXX I was alerted by XXXX that a collection was placed on my credit report by a company COMMONWEALTH FINANCIAL SYSTEMS. I have no knowledge of this company nor was i EVER contacted about any debt owed. I have not been contacted via phone, mail, or email so I assumed this was a mistake. I don't understand how anyone can placed ANYTHING on your credit without giving you an opportunity to acknowledge it, address it, fight, or dispute it. I don't know if that is even legal to do but I know its not right to do.This is not fair for any company to place for what I know FALSE information on my credit file without my knowledge.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX  Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 Section 604 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

I am submitting this complaint to report the fraudulent items and activities that I have discovered on my Credit File. Enclosed, please find the necessary documents to assist in the blocking of the fraudulent information that is being reported on my credit report. The following accounts are in no way associated with me. I have neither received any money, goods, nor services as a result of fraud, nor have I authorized these accounts. I urgently request that they be promptly disassociated from any affiliation with me. Please find below the list of accounts that do not belong to me or were opened without my permission : XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00}. I want to assure the Credit Reporting Agencies that I did not open the mentioned accounts or authorize anyone else to do so on my behalf. I strongly believe that this is a clear case of fraud, and I am taking steps to report this matter to the appropriate authorities. It is crucial that the fraudulent accounts are thoroughly investigated and removed from any association with my name.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXXXXXX XXXX Date Opened : XX/XX/2018 Balance : {$2400.00}