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

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

XXXX Charge excessive overdraft fees by Regions Bank When I call and talk to the bank representative and told them my situation. I was given a one-time a year courtesy overdraft fee. 
XXXX I was charged over to XXXX and overdraft fees. Averaging $ XXXX $ XXXXper month.
Product: Debt collection

This complaint is regarding accounts. Per track, it's been several months with no information given, no investigations performed, and timely updates. Violates federal XXXX XXXX XXXX. I never authorized or given permission per 15 U.S. Code 1681 ( b ), which violates permissible purposes moreover, XXXX XXXX Code XXXX ( B ) The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reported.
Product: Mortgage

In the last XXXX days I made multiple efforts to contact my mortgage services to review some of the banking information in my file. Each time I call I fine myself in what can only be described as a computer version of XXXX. It is impossible to speak with a live person. I sent a secure message to the company and received a response designating a phone number to call for service. I called that number an found myself in the same computer voice XXXX. I gave up after some XXXX minutes, only to go on line, research the company, and find dozens of reviews indicating the same problem. Not being able to talk to a live person at the company holding a mortgage on your home is a serious matter. Not being able to verify a mortgage company has correct payment information on record is also a serious matter.
Product: Checking or savings account

On XX/XX/XXXX, I wanted to transfer some money to crypto so I placed a wire transfer to my account, Chase fraud department contacted me I spoke with the representative so she told me she couldn't verify me. So they rejected the transfer. So I waited a while the same day to transfer again and still decline after I go to the bank in person. I was told to wait 24 hours by an associate to wait 24 hours and then the XXXX should process, waited 24 hours still rejected. On the XXXX of XXXX I tried to process the same XXXX twice, rejected. The last representation told me she wasn't going to process because crypto has been scamming and as she can see the reviews are negative on that website. I asked her what do that have to do with me in which I placed money over previously and I never had an issue with crypto. So she said no I will not be transferring your money over to crypto its decline. I tried a lower amount for XXXX and the next representative did that plus stated she said that my account will go under investigation upon checking they will be closing my account because of this transfer. I said that's no excuse I can invest my money how would like to. So the bank issued out a official check for both account and then they closed both of them.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 

I am in disagreement with the account listed below which still appears on my credit report, even after your investigation. I would like this immediately re-investigated. The inaccuracies are highly injurious to my credit score. TansUnion : [ XXXX ] [ XXXX ] In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611. Please provide the names and business addresses of each individual with whom you verified above so that I may follow up. Please send me an updated copy of my credit report after your investigation. Not indicating when or if the account has been sold. Misrepresentation of the account status Not reflecting a XXXX XXXX balance after transferred, sold, or even paid. 
Reporting inconsistent balances across bureaus a. EXAMPLE : TRANSUNION : XXXX XXXX : {$0.00} XXXX : {$220.00} Date of first delinquency illegally being changed. a. Should reflect the first time the account went into a delinquent status. The date of the first 30-day pass due notice.

b. EXAMPLE : First 30-day pass due notice is XX/XX/XXXX, but Status updated shows XX/XX/XXXX Once the charge-off goes past XXXX days, the account is DONE! a. You can not have on time payments! You can not add anything else to it. There should be nothing left on that account. This account was SOLD AND TRANSFERRED as well yet TransUnion still chose to report false misleading information on my credit report. 
XXXX and XXXX removed the account from my credit report because the account was unverifiable, incomplete and inaccurate. Credit report agencies per FCRA is supposed to report 100 % accurate, verifiable and complete information on a consumer report. This account also states that never once verified this account because its states this for the dispute status on my credit report that this account is not disputed. I have been disputing this account for a year now with TRANSUNION failed to investigate this account properly. They have this account listed as LAST VERIFIED : XX/XX/XXXX. DATE LAST XXXX, DATE REPORTED : XX/XX/XXXX and DATE OPENED : XX/XX/XXXX FRCA VIOLATIONS. This proves that TransUnion is falsely reported fraud by their agency without permissible purposes I never gave them permission to report this account on my behalf. I have also sent XXXX numerous certified letters with return receipt no response at all and they havent responded since XX/XX/XXXX.
Product: Student loan

They are not applying my payment correctly to my account. My account interest that should be charged to my account is 3.5 %. They are applying my payment more to interest than to principal. My last payment of {$140.00} was applied with {$75.00} in interest and only {$66.00} towards principal. This has been a recurring theme since I have been with them. FYI, I have not missed or been late with any payments with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX I acquired a water treatment system, had a month payment of $ XXXX a month. But didn't make payments for couple months in XXXX or XXXX. Then in XXXX started to make payments again, but was late with payments, so in XXXX of XXXX I was offered with installed payments by XXXX XXXX a representative of Castle Credit for {$300.00} every XXXX of each month 'till XX/XX/XXXX then he said the account is gon na be closed automatically, which it didn't days later in XX/XX/XXXX I recieved a call from them trying to collect $ XXXX remaining in the account he said. All this time they reported a nonpayment for this account. So I contacted XXXX XXXX XXXX to file a claim, they resolved the issue but leave me a delinquent credit for this matter.
Product: Credit reporting or other personal consumer reports

Experian has refused to acknowledge my dispute letter, which is a direct violation of the Fair Credit Reporting Act ( FCRA ). According to 15 U.S. Code 1681i ( a ) ( 1 ) ( A ), credit reporting agencies such as Experian are legally obligated to conduct a reasonable investigation upon receiving a dispute from a consumer. Failure to acknowledge receipt of my dispute letter not only disregards my rights as a consumer but also undermines the FCRA 's provisions intended to ensure accurate and fair credit reporting. This disregard for protocol is concerning and necessitates prompt resolution to rectify the inaccuracies on my credit report.
Product: Checking or savings account

on XX/XX/XXXX i was contacted by a person who today i found out is a scammer and i am one of his her victims. They contacted me because they saw my resume on XXXX and wanted to offer me a part time job doing XXXX XXXX XXXX. The assistance they asked me to do first to cash acheck they were sending me so i can buy stuff for a childrens home that they donate to I said okay thats terrific i get this opportunity! i have a XXXX so my heart was in good intentions. then i got the check and she siad to cash it and then theyll send me the list of what to buy. I went to my bank becuase i figured if the check was didnt have funds that they wouldnt cash it. However now after the fact of me being scammed i find out that the banks cash the check without knowing if the check has sufficient funds and if it returned they would just deduct it from my account. VERY UNFORTUNATE as a cosummer that this info is not giving prior to cashing the check. I cashed the check friday and scammer told me to deposit the cash to a XXXX XXXX account and they sent me the account info ( attached you will see the account number and all communication i had with scammer ) so i did and took a picture of the receipt and told them that the money was deposited. Wednesday my account is $ XXXX XXXX!!!! i immideately contacted the scammer and no answer at all and i texted them i was going to file a report and they replied back saying they will take care of it thursday. and i with still hope this was a nightmare i waited but nothing. so i called bank of america and told them of the insident and all they did was write it down and did not give me a case # and have not contacted me as of today friday XXXX XXXX. i called XXXX XXXX and they had me on hold for hours and i have not been able to get any response i have no funds to even eat! please help me!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I received an emailed about my information being in the XXXX data hack so I pulled my credit reports and found there were multiple accounts that are inaccurate and should not be on my credit report. I understand mistakes happen but this needs to be fixed expeditiously because these accounts are damaging to my credit report and I dont have the luxury to just wait around and let the problem fix itself by your agency. Under 15 U.S. Code 1681e ( b ) ACCURACY OF REPORT : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

I know that under 15 U.S. Code 1681i ( a ) ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. If you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below : ACCOUNT NAME : XXXX XXXX XXXX # XXXX ACCOUNT NAME : DEPT OF ED/XXXX XXXX # XXXX ACCOUNT NAME : DEPT OF ED/XXXX XXXX # XXXX ACCOUNT NAME : DEPT OF ED/XXXX XXXX # XXXX ACCOUNT NAME : DEPT OF ED/XXXX XXXX # XXXX ACCOUNT NAME : DEPT OF ED/XXXX XXXX # XXXX ACCOUNT NAME : DEPT OF ED/XXXX XXXX # XXXX ACCOUNT NAME : DEPT OF ED/XXXX XXXX # XXXX ACCOUNT NAME : DEPT OF ED/XXXX XXXX # XXXX ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT # XXXX ACCOUNT NAME : XXXX XXXX XXXX XXXX XXXX # XXXX ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX  # XXXX XXXX have attached a copy of my ID for identity verification and a bill for address verification.
Product: Checking or savings account

On XX/XX/year>, Chime allowed a transfer of {$1000.00} and {$1500.00} for a total of {$2500.00} to be taken out of my account ( to a XXXX ) when my " allow transactions '' were turned off in the app. However, they refused my dispute, twice. They are legally required to stop all transactions from coming out of my account when my allowable transactions are turned off. If I don't recieve my money back I will be filing a suit in small claims court along with contacting the local/national news and social media. This is unethical and they failed their due dilligence to protect my account and funds when I was traveling. Please explain to me how my allowble transactions were turned off but funds were still transferred via your XXXX XXXX  XXXX money app? They also closed the investigation in 4 hours of filing whithin minutes of the transactions which means they did not even attempt to reverse the ACH/transfer. This is a failure of my consumer protection rights and I want my money refunded immediately.
Product: Debt collection

I have a medical collection place on my credit report that I do not owe.
Product: Checking or savings account

My credit builder and my checking account has XXXX in unauthorized charges. I immediately cancelled my cards and contacted the merchant and filed a police report. I filed a dispute charge for each unauthorized transaction. I have been denied 4times by chime. I'm am consulting with an attorney and I don't know what else to do.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft, I have filed a police report/Sworn affidavit and have submitted this information to the three major credit bureaus as part of my dispute to show that I am not responsible for the debt that is reflecting on my credit report and dispute after dispute the credit bureaus come back with the same findings, saying they have confirmed and verified the information.

For example, I have two public records showing on my credit record as belonging to me, I State Tax Lien for the XXXX Of XXXX. 

The first record/State Tax lien is for {$12000.00}, the Second Tax lien is for {$51000.00}, according to the credit reports these items were filed on XX/XX/XXXX and XX/XX/XXXX respectively. But again I have proof these items don't belong to me and have submitted proof and documentation. 

I need help in clearing this items from my record because they don't belong to me, I am not sure how the credit report bureaus are verifying this information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted XXXX XXXX, Equifax, and XXXX in reference to these fraudulent account ( s ) : XXXX XXXX XXXX in the amount : {$34000.00} open date : XX/XX/XXXX and XXXX XXXX XXXX in the amount : {$26000.00} open date : XX/XX/XXXX. I have been contact with all agencies and creditors listed. Was told to file a Identity Theft Report which I did and sent to the above listed agencies and creditors along with my request. Only to receive the same response over and over again.
Product: Credit reporting, credit repair services, or other personal consumer reports

I call transunion a few weeks ago and they told me they were going to have XXXX XXXX deleted from my account because i have no knowledge of it. I disputed the account and all they did was update the information which is making my Credit worse. I had to put a freeze on my consumer report because theres been alot of fraud going on and i am fearful that some has mistaken me for someone else.
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not recognize XXXX XXXX inquirie on my credit profile XXXX, XXXX and Experian.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated 15 U.S.C 1691 section 602 A. States I have the right to privacy 15 U.S.C 1691 section 604 A Section 2 It also states consumer reporting agency can not furnish a without my written instructions 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 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 or other personal consumer reports

I sent a letter last XX/XX/XXXX to remove the listed items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days. Ive already included this in my previous complaint & I am including it again.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 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: Money transfer, virtual currency, or money service

I installed the Coinbase XXXX app on my phone to explore cryptocurrency. They charged me a total of {$89.00} for their Coinbase XXXX service, which I did not knowingly subscribe to. After contacting Coinbase, they acknowledged I did not intentionally sign up for this service but only refunded {$29.00}, keeping {$59.00}. This feels like a deceptive practice, and I am requesting a full refund and an investigation into their subscription practices.
Product: Credit reporting or other personal consumer reports

There are SEVERAL discrepancies that are on my credit reports that I have already attempted to dispute with no resolution. The agencies are in clear violation of my rights as per the Fair Credit Reporting Act under 15 USC 1681 section 602 which states I have the right to privacy and accuracy. 15 USC 1681 section 604 ( a ). Significant amount of time has been provided with no results in corrective measures. The agencies are falsely reporting inaccuracies which is a violation of FEDERAL LAW. I am now reaching out to you for help and to hold the agencies accountable for their lack of urgency in this matter. The agencies are in violation of several federal laws! At this moment I am DEMANDING my report be updated with accurate information from this moment. The following are the accounts in question along with the personal information that I have previously requested to be removed. 
PERSONAL INFORMATION : I have ONE last name and requested all others be removed along with the inaccurate addresses that are listed as well. 
ACCOUNTS OF INACCURACY : 15USC 1666B ( a ) ( b ) AND 15 USC 1637a ( a ) : all late payments need to be promptly removed 18 USC 3282 : several accounts are outside of the Statute of Limitations including ALL student loan from " Dept of EducationXXXX '' " closed '' accounts, " XXXX XXXX XXXX is over 10 years old.

15 USC 1962 : all collection accounts need removal 15 USC 1601 : all charge-off accounts are to be removed 15 USC 1602 ( p ) : all hard inquiries are to be removed 15 USC 1681 ( b ) 2 : ALL of the accounts that have been NEGATIVELY reported have NOT received my WRITTEN consent is actually considered identity theft 15 USC 1637a ( a ) : " XXXX/DEPT of ED '' has increased the amount due along with adding late fees to the balance and there has NEVER been written consent to even sell my accounts much less increase the balance to the what it is currently relfecting. 
FCRA Section 623 : all of the disputes I have made has not been reported on my report, FCRA Section 605 ( c ) : instead of correcting the issues on several accounts, the agencies have " re-aged '' several old accounts.

15 USC 1692 : several accounts have been illegally sold to collection agencies including one labeled " XXXX XXXX XXXX '', " XXXX  XXXX XXXX '', " XXXX XXXX XXXX XXXX '', and " XXXX XXXX XXXX ''. 
Your prompt attention to this urgent matter is greatly appreciated in order to have resolution to the clear FEDERAL violations that are occurring by all 3 reporting credit agencies.
Product: Debt collection

XXXX, a " representative '' of the CBE group wanted to collect {$2000.00} dollars on behalf of XXXX XXXX XXXX I 've never used XXXX XXXX XXXX. She also mentioned I had been in collection for 5 days. The phone number she called from was XXXX. She also knew my home address and last 4 of my social security.
Product: Checking or savings account

order items from XXXX and never received the items. called XXXX and XXXX for proof of delivery which I never received. truist bank contacted XXXX never received any response. Iam tired of waiting over 45 days
Product: Mortgage

The mortgage holder, JP Morgan Chase Bank, on my condominium requested that I provide evidence of flood insurance on my unit. I have provided flood policy numbers, insurance company names, coverage period and insurance coverage amounts to JP Morgan Chase Insurance Processing Center through on-line entry, telephone calls and letters with this information. Yet, I continue to get letters indicating I do not have adequate flood insurance along with an offer from JP Morgan Chase to purchase flood insurance for my unit. The coverage amount offered by JP Morgan Chase is exactly the same amount of coverage that currently is in force on my unit through existing flood insurance policies.