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

According to a certified mail receipt, the credit bureaus received my dispute regarding all accounts relating to XXXX XXXX on XXXX XXXX, 2024. I sent an affidavit to XXXX  XXXX explaining the inaccuracies listed on my credit report as well as duplicate accounts. These concerns raised questions around the reliability and validity of the information reported by this company, so I requested validation of all debts associated with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( duplicate account ) On XXXX XXXX, 2024, I noticed two XXXX XXXX credit card accounts removed from my credit. On XXXX XXXX, 2024, I received an email directly from the company stating they received my dispute regarding the auto loan. No mention of the XXXX XXXX credit cards listed in the dispute. My Experian dispute center does not show a dispute reported for the credit cards which were removed and my XXXX results returned stating disputed items not currently reporting on your file. '' However, they were REMOVED from my credit file. In addition to that, the XXXX XXXX XXXX collection was the duplicate I was referencing which is still on my account. Then a collection under the furnisher XXXX XXXX was then added to my account once these credit cards were removed. 

Under the Fair Debt Collection Practices Act ( FDCPA ), particularly 15 U.S. Code 1681e ( b ), which states bureaus must assure maximum possible accuracy of the information in a report, I requested validation of these account due to inconsistency in account information amongst the reports. Which was not validated, resulting in the removal and further confirmation that the furnisher understood the FCRA violation. Also, under the Fair Credit Reporting Act ( FCRA ) Section 623 ( 15 U.S. Code 1681s2 ) both the bureaus and the creditors have an obligation to report disputes accurately. That was not done in this case resulting in another violation of FCRA and showing the companies lack of due diligence in credit reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

I first disputed 3 bogus accounts requesting validation and all I received was statements and bill info. I never received any information with my signature or anything proving that these accounts were mine, in which they are not. So I then did further investigation and went through the id theft process and sent the affidavit to the bureaus to block and remove the items and they advised me that they will not remove the items.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an accounts passed on that should be taken out or Block. Per FCRA you are expected to delete this accounts.I 've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 

XXXX XXXX  XXXX XXXX XXXX BANK XXXX XXXX XXXX
Product: Credit card or prepaid card

I was shocked when I reviewed my credit report and found 120 days late payment on the dates XX/XX/2019, XX/XX/2019. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM TIRED OF WRITING XXXX, XXXX EXPERIAN ABOUT BREAKING THE LAWS Under 15 U.S. Code 1681b- Permissible purposes of consumer reports. I XXXX XXXX THE LIVING HUMAN BEING NATURAL PERSON NEVER GAVE THESE AGENCIES ANY PERMISSION OR AUTHORIZATION TO REPORT THESE ACCOUNTS ON MY CREDIT REPORT. I AM PREPARED TO GO TO COURT IF THEY CONTINUE TO REPORT THESE ACCOUNTS ON MY CREDIT REPORT. 

NO CONSENT IS IDENTITY THEFT
Product: Credit reporting or other personal consumer reports

A charge off is considered a certificate of indebtedness which means it is income and must be removed from consumer profile. 

XXXX TransUnion XXXX XXXX Account # : XXXX XXXX XXXX ( Privacy Act of 1974 ) The law says that it is illegal to report transaction history. 

In accordance with the written instructions of the consumer to whom it relates. 
( 3 ) To a person which it has reason to believe ( A ) intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer ; Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. These procedures shall require that prospective users of the information identify themselves, certify the purposes for which the information is sought, and certify that the information will be used for no other purpose. Every consumer reporting agency shall make a reasonable effort to verify the identity of a new prospective user and the uses certified by such prospective user prior to furnishing such user a consumer report. No consumer reporting agency may furnish a consumer report to any person if it has reasonable grounds for believing that the consumer report will not be used for a purpose listed in section 1681b of this title. 

( 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. 

A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section :
Product: Debt collection

i requested a debt validation from Portfolio Recovery Associates twice and failed to provide a proper validation, instead they sent me old statements, and while on requesting validation they continued to report this alleged debt to credit reporting agency. 
Portfolio Recovery account number XXXX. 
Portfolio Recovery account number XXXX. 

certified mail tracking number : XXXX
Product: Credit reporting or other personal consumer reports

I have recently examined a copy of my credit report, which indicated that the credit inquiries listed below were the source of the credit inquiry. Nevertheless, I did not authorize these inquiries. Kindly investigate my claim in accordance with the Fair Credit Reporting Act.I request that you eliminate these inquiries from my credit report as they impede my ability to apply for loans and obtain credit. If you have any additional materials pertaining to this inquiry, please provide them. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I am writing to you concerning an {$3600.00} escrow overage in my Wells Fargo mortgage account that they are refusing to disperse to me. I had applied for a Senior Homeowner exemption in 2020 for my local county ( XXXX, XXXX XXXX and was granted the exemption, thus resulting in the escrow overage. 
Additionally, I applied for and was granted a mortgage covid relief suspension, offered by Wells due to the ongoing pandemic. My income has suffered in 2020, by almost 45 %, and my Social Security isn't helping me cover my expenses. I've had this mortgage with them for over 10 years and have always been on time with my payments. 
So, I don't understand they will not disburse me the ooverage escrow funds. The funds were in escrow, but they are acting like my account is delinquent, which it is not. 
This is not right to treat a senior citizen this way. Please review my account and disburse me my money. 
First, I contacted Wells Fargo directly and was refused. Then I wrote to my congresswoman who received an refusal from a case specialist XXXX XXXX. Thank you for any assistance you can provide.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to Human Trafficking debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ) I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair CreditReporting Act. I am a victim of human trafficking of Debt Bondage and would like for all listed accounts to be blocked and deleted company information Transunion, XXXX and XXXX. Please delete the following accounts XXXX XXXX XXXX XXXX  - - 15 USC 168b ( a ) ( 2 ) Permissible Purpose of Consumer Reports-- Please delete this unauthorized hard inquiry. XXXX XXXX XXXXXX/XX/XXXX - - 15 USC 168b ( a ) ( 2 ) Permissible Purpose of Consumer Reports-- Please delete this unauthorized hard inquiry. XXXX XXXX XXXX XXXX  - - 15 USC 168b ( a ) ( 2 ) Permissible Purpose of Consumer Reports-- Please delete this unauthorized hard inquiry. XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - - 15 USC 168b ( a ) ( 2 ) Permissible Purpose of Consumer Reports-- Please delete this unauthorized hard inquiry. XXXX XXXX - XX/XX/XXXX - - 15 USC 168b ( a ) ( 2 ) Permissible Purpose of Consumer Reports-- Please delete this unauthorized hard inquiry. XXXX XXXX XXXX XXXX  - - 15 USC 168b ( a ) ( 2 ) Permissible Purpose of Consumer Reports-- Please delete this unauthorized hard inquiry. XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - - 15 USC 168b ( a ) ( 2 ) Permissible Purpose of Consumer Reports-- Please delete this unauthorized hard inquiry. XXXX XXXX - XX/XX/XXXX - - 15 USC 168b ( a ) ( 2 ) Permissible Purpose of Consumer Reports-- Please delete this unauthorized hard inquiry. XXXX - XX/XX/XXXX - - 15 USC 168b ( a ) ( 2 ) Permissible Purpose of Consumer Reports-- Please delete this unauthorized hard inquiry. XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - - 15 USC 168b ( a ) ( 2 ) Permissible Purpose of Consumer Reports-- Please delete this unauthorized hard inquiry. XXXX XXXX - XX/XX/XXXX - - 15 USC 168b ( a ) ( 2 ) Permissible Purpose of Consumer Reports-- Please delete this unauthorized hard inquiry. XXXX XXXX XXXX XXXXXX/XX/XXXX - - 15 USC 168b ( a ) ( 2 ) Permissible Purpose of Consumer Reports-- Please delete this unauthorized hard inquiry. XXXX XXXX XXXX XXXXXX/XX/XXXX - - 15 USC 168b ( a ) ( 2 ) Permissible Purpose of Consumer Reports-- Please delete this unauthorized hard inquiry. XXXX XXXX - XX/XX/XXXX - - 15 USC 168b ( a ) ( 2 ) Permissible Purpose of Consumer Reports-- Please delete this unauthorized hard inquiry. XXXX XXXX - XX/XX/XXXX - - 15 USC 168b ( a ) ( 2 ) Permissible Purpose of Consumer Reports-- Please delete this unauthorized hard inquiry. XXXX XXXX XXXXXX/XX/XXXX - - 15 USC 168b ( a ) ( 2 ) Permissible Purpose of Consumer Reports-- Please delete this unauthorized hard inquiry.
Product: Credit reporting or other personal consumer reports

I have sent dispute that you have failed to investigate and correct the matter XXXX XXXX XXXX Loan with account # XXXX opened on XX/XX/XXXX and a balance of {$19000.00}. 
This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. 
XXXX XXXX  Cell Phone with account # XXXX opened on XX/XX/XXXX and a balance of {$920.00}. 
I dispute the missed payments and late payments on this account. Please provide statements and records of all payments made and missed since I opened this account. 
XXXX XXXX Note Loan with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
This account is incorrectly reporting that I have XXXX late payments. On my XXXX report there are XXXX late payments being reported. 
Collection account from XXXX XXXX XXXX with account # XXXX and a balance of {$1200.00}. The original creditor is XXXX XXXX XXXX 
I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXXXXXX Balance Owed : {$140000.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$840.00} XXXX XXXX XXXX Balance Owed : {$7100.00} XXXX XXXX XXXX Balance Owed : {$7500.00} XXXX XXXX  XXXX XXXX Balance Owed : {$140000.00} XXXX XXXX Balance Owed : {$0.00} DPT ED/XXXX XXXX Balance Owed : {$7500.00} XXXX XXXX XXXX Balance Owed : {$840.00} XXXX XXXX XXXX Balance Owed : {$7100.00}.
Product: Credit card or prepaid card

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX American Express XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX : DISPUTE/CLIENT RESOLUTION XXXX RE : ADVERSE ACTION DATED XX/XX/2022 Recently, I, XXXX XXXX was denied an extension of credit by American Express On XXXX applied for The Platinum Card As you may be aware, it is against federal law in accordance with Equal Credit Opportunity Act to proclaim an adverse action against a consumer. Pursuant 15 U.S Code 1691 ( C ) and you assume civil liability pursuant 15 U.S Code 1691 ( K ). American Express has violated my federally protected consumer rights : 1. 15 U.S Code 1642 2. 15 U.S Code 1681M 3. 12 CFR 1002 Since the letter you sent me is both a proof and evidence that I have been discriminated against, you are also criminally liable. American Express should resort to reasonable procedures to rectify this affair and compensate me for the use of my social security number. Otherwise, this would be considered an unauthorized use since I have received NO BENEFIT. Following this initial attempt to rectify, I will be sending an invoice to collect actual damages for said violations. 
BEST, XXXX, XXXX L Without prejudice, all natural inalienable rights reserved.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit was ran without my consent or by someone pretending to be me. 
XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX J XXXX XXXX XX/XX/XXXX and XXXX of XXXX
Product: Money transfer, virtual currency, or money service

I had a cash app account and my {$600.00} stimulus check was deposited into it. I didn't get any notifications that it was and when i checked my cash app it said i paid {$600.00} to someone i didnt even know and that it was for groceries. I told cash app i did not send that and they gave me the run around and acted like they were investigating it but nothing ever came from it. This was back in late XXXX maybe early XXXX im not really sure because i have no emails or anything about it and i know i sent some but they are just gone
Product: Mortgage

In XXXX of 2020 I was awarded a loan modification which was to start XX/XX/2020. I made XXXX XXXX   payment as well as XXXX payment on time but when it came to the final payment in XXXX I was notified that I was put on a loan forbearance program. I initially wanted to do a forbarence due to my wife hours being reduced at work because of the coronavirus. After seeing her hours weren't being cut as dramatically as she was told they would i opted out of the forbearance and made the scheduled payments. The mortgage company has informed me that even though our modification payments were accepted and processed they will not complete our modification and furthermore they will not remove the forbearance program from my loan. They stated that once the forbearance has run its course there XXXX be options available. Fast forward to XX/XX/2020 I receive a call from the money source again requesting to bring the mortgage current even though on XX/XX/XXXX we were told they couldn't accept our payments because we were on a forbearance. This phone call was to inform me that we weren't on the forbearance as of XX/XX/2020 and that they would like for us to reapply for either a modification or a forbearance. I was also informed that they would continue to call weekly for wellness checks they call it to see what we would like to do about staying in our home.
Product: Prepaid card

Ive had problems using my cash app card when Ive used it in stores before. And I also have a issue with the charge amount trying to go through and Ive tried to explain that to a automated system that gets no where, cant keep money on that card the amount is XXXX or XXXX I didnt use my card at this company
Product: Money transfer, virtual currency, or money service

Funds were sent to the wrong person and they informed there was no way to get my funds back
Product: Credit reporting or other personal consumer reports

This is my NUMEROUS 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 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

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 XXXX XXXX XXXX. 

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

XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX I have the right to privacy. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  : It also states a consumer reporting agency can not furnish an account without my written instructions. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 XXXX years. 

XXXX XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 card or prepaid card

Regarding order # XXXX, Macys refuses to refund me {$240.00} for an item I returned back to them because I originally received an incorrect item ( not what I had ordered ). They claim that the item is fake, however I did not send anything else other than what I had received and since it was not the item I purchased I returned it back.
Product: Credit reporting or other personal consumer reports

The three credit bureaus do not speak to one another. My data on each credit report is incorrect. I have on several occasions requested the credit bureaus to update their records. The accounts that are listed as open/reporting negatively, are either paid-in-full closed, paid in full no balance, or should not be appearing at all.
Product: Checking or savings account

Chase received a claim on my account stating that my XXXX XXXX sender has raised a claim stating that I am a fraudulent recipient of the money that he has sent to me. Because of which Chase froze my account from withdrawal and also suspended my online account access. When I reached out to the claimant he mentioned that his wallet was stolen and that he didn't raise this claim and I and him met in front of the Chase Banker in the local chase branch and explained the situation and he also handed a hand written letter that he had written to the chase claims department specifying that he is withdrawing his claim. In spite of the physical appearance and explaining the situation to the chase branch banker and also providing the hand written letter to the banker in the branch - our case was not taken and chase still is keeping my account and his account also in frozen status and also denying all my regular bills. 

Chase specifies that the fraud department has to get the fax and they have to do the investigation. But when claimant himself is physically present there and is confirming that he is withdrawing the claim and that he hasn't made the claim why is chase not accepting that statement - what authorities does the bank branch representatives have? what else is the claims fraud department going to investigate here and what are they going to find out? 

When Chase is saying that they froze my account so that someone will not drain my account why are they not giving me all the money that I have in my account when I am present there physically so that no one will drain my account unauthorized and my money is protected with me. 

Chase is causing more inconvenience for me and I don't see any value in their branch 's presence and the bankers are seemed to have zero authorizations to handle critical conditions and I am not sure how someone who is present somewhere with a hand written note will start investigation and confirm if that is not a fraud when we are present there physically and our identifies are verified with the drivers license and both verbal and written statements are given. 

This situation and the way chase is handling the issue has made me upset for the past couple days that I am unable to eat or sleep properly and my health is weakening because of this. My bills are due and I don't have any money of my own to pay the bills and I am also worried about the late charges and finance charges that will appear in my account because chase is denying the payments. 

This problem started on XX/XX/XXXX night when I was trying to access my account and noticed that my account was suspended and I called the bank to find out about the problem. I went to the Bank XXXX on XX/XX/XXXX with some additional documents and again on XX/XX/XXXX I went to the bank with the claimant. I went to the bank again on Thursday XX/XX/XXXX. I am calling the bank branch every single day about this issue. All these are not working still. 

I have missed work a lot in this week because of this issue because it has impacted my health a lot. I am unable to eat or sleep well because of this issue.
Product: Checking or savings account

Juno the app has had my money frozen for 3 months