23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

This is my follow up request regarding my previous complaints dated XX/XX/XXXX regarding the disputed items in my files. I understand that your schedule may be busy, and I appreciate your time and attention to this matter. As of today, I have not received a response or any updates on the status of my disputed items. I recognize that unforeseen circumstances may arise, and I am certainly understanding of that. However, to ensure we are on track and to address any potential concerns promptly, I am reaching out for an update. The items are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX OH XXXXXXXX XXXX XXXXXXXX Balance : {$570.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The electronic file provided by XXXX XXXX XXXX as validation of debt for account # XXXX has a balance at the time of sale of {$2.00}, XXXX is erroneous because it includes a {$38.00} late fee overcharged. Because the balance at the time of sale is incorrect it automatically INVALIDATES the electronic file mention above. With this been said XXXX XXXX XXXX is in violation of section 809 ( b ) of the FDCPA because they had failed to provide proper validation of debt. TransUnion must remove this invalidated account immediately to avoid litigation. Attach to this dispute I am providing you with 1 ) copy of ID 2 ) copy of Social Security Card 3 ) The electronic file provided by XXXX  as proof of validation which is erroneous read above 4 ) Copy of Last Statement which shows the right amount of {$2600.00}
Product: Payday loan, title loan, personal loan, or advance loan

I tried to utilize XXXX as I have been for years. I was denied because of " unusual activity, or fraudulent activity. 

On my PayPal account, a bankcard on file for payment rejected a payment. I called the bank and advised that this was a valid charge, and they released funds to PayPal. 

There has never been fraudulent activity on PayPal for the over 7 years I have had an account. I would like this removed from my account so I can utilize XXXX as I have been in the past. I would also like to know what transactions that are flagged as fraud because I have never reported any of my transactions as fraud. NEVER.
Product: Mortgage

Wells Fargo Home mortgage are dragging their feet sending me modification application documents .I believe they are stalling because they want foreclosure procedings to expedite that are currently in the works in XXXX.I requested modification documents weeks ago /At this pace Wells Fargo will have received their judgement through XXXX and have foreclosed and the deed be transferred before get these documents This is purposeful and placing my home at risk
Product: Debt collection

In accordance with the fair credit reporting act, this creditor has violated my rights under 15 USC 1681 section 6 o 2 states. I have the right to privacy ( 15 USC 1681 ( Section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card under an open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX, EQUIFAX ARE IN VIOLATION OF MY CONSUMER RIGHT BY REPORTING FRAUDULENT ACCOUNT ON MY CREDIT REPORT, THESE ARE THE LIST OF THE FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX -- -- ->Date opened -- -- ->XXXX   XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX>Date opened -- -- ->XXXX XXXX, XXXX XXXX XXXX & XXXX -- -- -- >Date opened -- -- -- >XX/XX/XXXX XXXX, XXXX XX/XX/XXXXXXXX -- -- -- -- >Date opened -- -- -- -- -- ->XX/XX/XXXX XXXX, XXXX XX/XX/XXXX XXXX -- -- -- -- >Date opened -- >XX/XX/XXXX XXXX, XXXX XXXX XXXX -- -- -- -- >Date opened -- >XX/XX/XXXXXX/XX/XXXX XXXX -- ->Collection opened -- ->XX/XX/XXXXXXXX, XXXX XX/XX/XXXX XXXX -- -- >Collection opened -- >XX/XX/XXXX XXXX, XXXX XXXX XXXX -- -- ->Collection opened -- -- ->XX/XX/XXXXXXXX, XXXXXX/XX/XXXXXXXX XXXX XXXX XXXXL -- -- XXXX -- -- -- -Date Opened -- -- ->XX/XX/XXXX XXXX, XXXX XXXX -- -- -- >Date opened -- -- -- XXXX XXXX, XXXX XXXX -- -- >Date opened -- -- ->XX/XX/XXXXt XXXX, XXXX XXXX XXXX XXXX   XXXX -- ->Date Open -- -- >XX/XX/XXXX XXXX, XXXX Fraudulent Address : XXXX XXXX XXXX, XXXX, GA, XXXX XXXX XXXX XXXX, GA, XXXX XXXX XXXX XXXX XXXX, PA, XXXX Fraudulent Inquiries : XXXX XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX
Product: Checking or savings account

Chime Bank put a hold on my account it has been 54 days no one has got back to me or anything. They have requested information from me which I sent on XX/XX/2021. They froze my economic stimulus payment and my state tax which Im entitled to by law. I have left several emails and still nothing you are not allowed to talk to nobody from that department. I have 3 tickets in still nothing. I know because Im XXXX they are not trying to help me. If I were XXXX they would not have me waiting on my money for 54 days. The least I deserve is a response back. This company is XXXX and needs to be shut down.
Product: Checking or savings account

On XX/XX/2023, I deposited a check ( less than $ XXXX ) to my checking account via Chase quickdeposit. Prior to completing this transaction, I researched the policy & procedures in the FAQ 's through Chase online banking app. The deposit met the stated criteria. In the small chance the check was placed on an uncollected funds hold, it would only have been XXXX business days as the check was local. I felt I had been proactive in choosing this option. That could not have been farther from the truth. Not only did Chase decide to place the hold on the check, but they placed a XXXX day hold. After visiting the banking center XX/XX/2023 we were told there was nothing she nor I could do about it. Ok, fine. XX/XX/2023 we expected payroll direct deposit like it does every XXXX weeks .That never happened due to Chase placing fraudulent/freeze hold on our account due to the quickdeposit made XX/XX/XXXX. Chase states the check is fraudulent which XXXX XXXX is not the case.. The check is from a major hockey organization iin Washington State. Currently Chase has given us XXXX access to our funds, not even payroll, leaving us with no money. Chase has been completely unhelpful in anyway Chase has repeatedly gone out of their way to be inconvenient. They have inappropriately profiled us. There has not been XXXX employee at Chase to exhibit even the slightest bit of customer service. I am disgusted with this financial institution. When this is all over with, I will never step foot inside this bank & I will make sure to tell anyone & everyone about this experience & the lack of compassion exhibited by this institution. 
Had I choose to go straight to the bank the check was drawn on, I wouldn't be in this predicament, so I take partial responsibility. That being said, the way Chase has handled this has been completely unprofessiona to say the least. Btw, this is an established checking for many years with several tens of thousands of dollars that has gone through this year alone.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with Fair Credit Reporting Act, XXXX XXXX XXXX Account # XXXX Amount {$1900.00}, XXXX XXXX XXXX Account # XXXX Amount {$610.00}, XXXX XXXX XXXX Account # XXXX Amount {$650.00}, XXXX XXXX XXXX Account # XXXX Amount {$210.00}, XXXX XXXX XXXX Account # XXXX Amount {$910.00}XXXX XXXX XXXX XXXX Account # XXXX Amount {$1900.00}XXXX XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX Amount {$800.00}, XXXX XXXX XXXX Account # XXXX Amount {$490.00}, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXXXXXX XXXX  Account # XXXX, XXXX XXXX  Account XXXX XXXX Amount {$48.00}, XXXXXXXX XXXX XXXXXXXX Account XXXX XXXX has violated my rights. I demand the accounts listed below be removed because 15 U.S.C 1681 Section 602 A. States that 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. I did not give XXXX, Transunion or XXXX permission to furnish these accounts. 

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 or other personal consumer reports

On XX/XX/XXXX, I wrote and sent a validation letter for two debts that are on my credit report to Credit Collection Services It has been over 45 days and I still have not received any communication from them.
Product: Debt collection

I sent three certified letters and the company has violated and failed too : 1. Required by federal law to place a " notice of dispute '' on my account within 30 days of my dispute, which the company signed for my letter 3 times. I have retained a copy of the signatures and date of receipt, as well as a time-stamped copy of my credit reports, showing that company has violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act Section.
2. Failed to provide a copy of the original contact bearing my signature.
This company has violated and is in non-compliance, per FCRA 623 ( a ) ( 3 ) Responsibilities of furnishers of information to consumer reporting agencies ( 3 ) Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer.
( B ) Time of Notice ( B.I ) The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days after, furnishing the negative information to a consumer reporting agency described in section 603 ( p ).
This company violated federal law, by not properly providing the credit bureaus with proper notice within the required timeframe, and I have evidence of such, via certified mail receipts, and the company must now remove the item.
Any other action ( or in-action ) on your behalf will result in a small claims action against your company. I will be seeking a minimum of {$1000.00} in damages per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807- 4. ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b )
Product: Mortgage

Greentree Mortgage has denied me a loan modification reducing my interest rate, without going thru the proper review process. I submitted their form on XXXX XXXX, theuY denied the modification with a letter dated XXXX XXXX, never asking for any documentation. The letter sent to me on XXXX XXXX stated that all documentation was complete! This is a loan shark operation, my mortgage was sold to them by XXXX XXXX XXXX 2 years ago. I have been modified on other loans based on reduced income, I just think Grrentree operates on a shady mode!
Product: Credit reporting, credit repair services, or other personal consumer reports

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

XXXX XXXX XXXX Original creditor : XXXX XXXX Account # 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 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter is to inform you that I am disputing your company 's references on my credit report because of the lack of completeness and/or accuracy. I recently disputed this account with the credit reporting bureaus, and the information was reported as verified and accurate. Unfortunately, credit bureaus often use software that does not complete thorough investigations I am disputing the following information directly with you, the furnisher of the information, and I am requesting that you conduct an investigation as outlined in the FCRA section 623 : DISCOVER BANK XXXX Balance : {$560.00}
Product: Debt collection

I have disputed this with the credit bureau and they removed it and place it back on my credit. I have told the company that this is not my debt only thing could send me was a copy of the bill no paper where I signed no contact from me.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXXXX/XX/year> Dear XXXX, Please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance.

Despite two written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? 
You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ).

Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.

I demand the following accounts be verified or deleted immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  complaint reference I disputed and those companies reviewed and said was accurate. Transition wants specific acct numbers and nature of dispute. The following  XXXX  accounts were denied by me in court All  XXXX  lawsuits were dismissed and not proven to be mine I wanted all reporting of these account and collection of said accounts removed from my credit report  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: Student loan

I applied for the XXXX repayment plan when it was released by the XXXX administration. I have 3 XXXX  applications still in pending status and my loans have moved back into repayment. I contacted Mohela on XX/XX/XXXX and spoke with XXXX who indicated she could see my XXXX application was submitted but has not yet been processed. She offered a one month forbearance on the payment through XX/XX/XXXX to allow Mohela time to process the XXXX application. She indicated I will accrue interest in the forbearance and that I am not eligible for any benefits of the repayment plan during the forbearance. I received another notification yesterday indicating there are significant delays and my request was received and will be addressed in the next 90 days. My forbearance was only offered for XXXX month. They have not processed my initial SAVE application that was submitted in efforts to reduce my monthly payment prior to this forbearance.
Product: Debt collection

This business continues to contact my wife and I in reference to a supposed debt by her ex-husband. Neither my wife nor I are borrowers ( or responsible ) for this debt. They continue to contact me on my cell phone asking for my wife by her previous last name. When I do ask her to return their calls, they tell her they are calling her because she was listed as a " reference '' on her ex-husband 's delinquent payday loan. I have asked multiple times to not be contacted regarding her ex-husband 's debt. My wife has asked multiple times to not be contacted regarding her ex-husband 's debt. The first few calls they stated they would honor our requests and remove our cell phone numbers from their systems. Yet, within a few weeks we start getting calls again. Always to my cell phone number first. They called me again today ( XX/XX/XXXX ) and I explained that I am not the person they are looking for and to not call me again ( at which point the Rep told me this was the first time they had contacted me, that is a lie ). My wife called them back again today ( XX/XX/XXXX ) after I informed her I received another call and they told her they would not remove her cell phone number from their system until they were able to collect from her ex-husband. 
This debt is not ours, and they have confirmed this fact with her in previous calls, stating it was her ex-husband 's delinquency ( which I would think would also be a violation of Privacy Laws ). 
We can not make her ex-husband pay their client and we demand to stop receiveing calls regarding his debt. If they believe she is somehow responsible for this debt, then we request this in writing in accordance with the FTC guidelines under the FDCPA. So far, I have no indications that she is responsible for this debt, they have not told her she was responsible for this debt, and I certainly am not responsible for this debt. Please investigate this company as it appears they are operating in violation of federal regulations.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are 8 accounts that are not mine they are on my credit report I have disputed them I have reached out to the bureaus and nothing is being done I am tired of this and going back and forth I need help. 

Account Name : XXXX Account Number : XXXX Reason : Unverified account Account Name : XXXX XXXXXX/XX/XXXXXXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XX/XX/XXXX XXXX Account Number : XXXX Reason : Unverified account Account Name : XX/XX/XXXX Account Number : XXXX Reason : Unverified account Account Name : XXXX Account Number : XXXX Reason : Unverified account Account Name : XXXX XXXXXX/XX/XXXXXXXX Account Number : XXXX Reason : Unverified account Account Name : XX/XX/XXXXAccount Number : XXXX Reason : Unverified account Account Name : XXXX Account Number : XXXX Reason : Unverified account Account Name : XX/XX/XXXX Account Number : XXXX Reason : Unverified account Inquiries Creditor Name : US SM BUS ADMIN XXXX Inquiry Date XXXX XX/XX/2020 Reason : I don't recognize this inquiry Creditor Name : XX/XX/XXXX Inquiry Date : XX/XX/2020 Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX Inquiry date XXXX XX/XX/2020 XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I would to to have the account removed from my ss m
Product: Bank account or service

On XXXX/XXXX/16, I stopped at the BB & T Bank at XXXX, I went to the ATM, inserted my card, entered my PIN, chose cash deposit, inserted {$360.00} in cash and the machine took it and froze up displaying " transaction processing '' for the next five minutes. The machine would not give me a receipt, it would not let me cancel the transaction and took my cash. I called the XXXX XXXX number posted on the ATM and they told me to go into the branch and report that the ATM was broken. I reported what happened to XXXX XXXX and XXXX XXXX in the branch. XXXX went outside and verified the machine was stuck displaying " transaction processing ''. They advised me that XXXX manages the ATM 's for BB & T and they have no responsibility for the ATM. They called and made a claim XXXX for the missing {$360.00} but said they could not access the ATM and could request the ATM be serviced to locate my cash. I was told XXXX would come out the next day. Now they are saying the '' Fraud '' dept is handling and it normally takes 5 days for them to look into it and XXXX will not come out until Friday XXXX/XXXX/16 and I " MAY '' have provisional credit by the end of the week. I called the " FRAUD '' dept at BB & T XXXX and I was in the recorded loop for 30 MINUTES and the call finally dropped without anyone answering the phone.
Product: Debt collection

I am receiving calls from a florida number multiple times a week sometimes twice a day. Every time I answered there was never a person on the other end of the line. I would just hear dead air. No message was ever left. Sometimes I would have a voicemail of dead air from these numbers : XXXX, XXXX, XXXX, XXXX. This has gone on for several months. No actual communication was ever made from any of these phone numbers until XXXX/XXXX/16 when there was finally a gentlemen by the name of XXXX XXXX stating he was from national service bureau and asking about my social security number. He told me I had a debt thats been building interest since XXXX. I believe this company is purposefully using these tactics to build up interest and make more money off their debtors. I had no idea and no form of communication to alert me that I had a debt. This is very shady business practices. No joke as I 'm writing this I received a call from XXXX that I answered and shocking dead air nobody on the other line. I ca n't imagine that this is a legal business practice.
Product: Debt collection

My younger brother and sister opened up the account on   XXXX   XXXX   when they were shopping for a  XXXX  gift for our mother and realized they did not have the funds, but Target offered them the option to open a card and have the payments due at a later time.     I was not aware it was opened. I did not receive any mailings because the wrong address was on file. An old driver 's license was used to open the account.     I realized the debt existed when I saw on my credit r eport that two mis sed payments were reported.     I have gotten nowhere with speaking to Target on the phone on   XXXX   XXXX   and on   XXXX   XXXX  . I also visited the store on Friday   XXXX   XXXX   and was told that nothing could be done regarding the account, past balance, or anything.     I tried getting the most recent late fee removed, or offering to settle the account at 90 % of the balance. Both were denied.     I am looking for a small measure of debt relief on a fraudulently opened account that I have proof it was never activated after the initial purchase.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked both my XXXX and XXXX reports and noticed a significant decline in my fico. I checked the details to see a comenity bank / Victoria secret account that does not belong to me reporting late. That account is not mine and I have no responsibility for it. The account owner, XXXX XXXX, removed me as authorized user in XXXX. He has been incarcerated since XX/XX/XXXX and the card is being used fraudulently by other individuals.