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

I am asking for help in recovering {$180.00} that's missing out of my Chase savings account on XX/XX/2021 I withdraw {$61.00} from my savings that left balance of {$19.00} and change in it later on that evening on XX/XX/2021 I transfer two {$60.00} both to my everyday checking at Chase but somewhere someone changed it and one went into my Chase everyday checking and one went into my everyday checking at XXXX XXXX which they say they did not receive still someone in XXXX XXXX created a transfer of {$120.00} telling Chase that I did not have enough money in the bank I never made this request XXXX XXXX tried to charge me a {$35.00} in significant fun fee but they reversed it yet still whoever had my {$120.00} along with my {$60.00} at XXXX XXXX have not returned it Thank You
Product: Checking or savings account

Chase bank deducted the amount of {$240.00} from my personal checking account on XX/XX/XXXX after I withdrew my claim. I was told the merchant would receive the funds no later than 45 days from the date of XX/XX/XXXX. I had frequent communication with the merchant checking in on this status. I called Chase many times and on XX/XX/XXXX ( after the merchant informed me they still have not received the funds ), Chase Claims Department informed me that they did not release the funds until XX/XX/XXXX and it would take up to 30 days for the merchant to receive it, but no later than XX/XX/XXXX. I called the merchant on XX/XX/XXXX to follow up but they have not received it, again. I was told by Chase Claims Dept. to make an appt with my local branch so get a copy of the letter stating of when the funds were released ( XX/XX/XXXX ) and its transaction number so I could present to the merchant proof of funds deducted from my account and fund released. Today I spent nearly XXXX hrs and XXXX minutes at my local branch, in which I was on the phone for XXXX hour with Chase Claim Dept., since the branch bank had no idea what letter I was referred to nor do they have access to any letter regarding this issue. Chase bank repeatedly failed to resolve this issue since the very beginning, I even asked in XX/XX/XXXX to resolve the issue by just returning my money to me so I may directly pay the merchant, Chase declined me of any resolutions. Chase can not and will not help me resolve this issue. It has been XXXX months, leaving me with Chase taking my money and the merchant still unpaid. It is extremely distressing for me since Ive been a long time customer with Chase and utterly disappointed in how they handled this matter or lack thereof. I have been a repeatedly loyal customer with the merchant and this matter has created tension between the merchant and I since they still do not have the money, jeopardizing customer business relation. I am extremely disappointed and utterly disgusted on how Chase has handled this matter. Customer service is horrendous. Please help me resolve this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried disputing this account with XXXX Experian and XXXX along with original creditor because account is a total mistake itself. Account has been stating as an installment type when original and true account type is a secure loan. Loan was granted with collateral. Accounts open as XX/XX/XXXX by XXXX XX/XX/XXXX by Experian and XXXX with a status of derogatory by all three bureaus with a balance of {$8500.00}. Account was reporting date of last payment incorrectly stating XXXX XXXX as XX/XX/XXXX while Experian reported XX/XX/XXXX and XXXX report at XX/XX/XXXX. Payment history was reporting XXXX as agree all the way from XX/XX/XXXX through XX/XX/XXXX by XXXX when XXXX was reporting date of last payment XX/XX/XXXX while Experian was reporting payment history with consecutive charge off as if it was some sort of payment method. Account status is now stating as closed with a balance of {$10000.00} with XXXX XXXX and XXXX. How did balance change this much?! date open has changed from XX/XX/XXXX to XX/XX/XXXX with Experian and XXXX. Now, removing all data from date of last payment and deleting payment history with XXXX changing OK as agree with charge off all the way from XX/XX/XXXX to XX/XX/XXXX recording payment as OK on XXXX and XX/XX/XXXX. This is impossible if account has been closed! Account can not report payment XX/XX/XXXX and XX/XX/XXXX and not record payment on date last payment especially if account is closed. Account is now stating date last active as XX/XX/XXXX by XXXX and XX/XX/XXXX with experian while XXXX reports XX/XX/XXXX. Ive asked bureaus for method a verification showing where they are getting information from as information is obviously stating incorrectly but I have not received anything on their end. There is no possible way that all three bureaus can be correct if information is coming from the same XXXX XXXX account as a total mistake.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following companies ran unauthorized credit inquiries on my credit report. These are suspicious to me and so kindly delete asap : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX , XXXX, XXXX XXXX XXXX   XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX & XXXX and XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. XXXX XXXX XXXX Account # XXXX, has violated my rights. XXXX XXXX  Account # XXXX, has violated my rights. XXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021i sent in letters regarding inaccurate reporting false items on my credit report and i have not received a response yet i feel like im being ignored of my disputes. This deceptive practices by the bureaus.
Product: Credit card

About 6 months ago I lost access to my Amercian XXXX phone number, I have since been unable to access my Chase Credit card account online, or use the card, or close the card, or talk to anyone online. I have requested closure several times, but now I have received an email that the $ 95 yearly fee has been added to the card, and I called requesting closure but they have refused because they can not verify me because I don't have the phone number. When they ask 'security questions ' from public record, I fail, and am told at the end they will not speak to me and to go into a chase branch. Unfortunately, I live XXXX miles from a chase branch and have told them this. I want my account closed and need a reasonable way to close it without having to fly to the united states of America. They have provided none of this and refuse to work with me, and will not close my account. The only suggestion was to go into collections for the card for the yearly fee and this will then close the account, but this will destroy my credit over there and I do not accept this option.
Product: Money transfer, virtual currency, or money service

Hello, I am XXXX XXXX XXXX, I am XXXX and unfortunately, I am affected by PayPal I work in the field of e-mail marketing with an American company called XXXX XXXX. 
The first payment they sent to me via PayPal, PayPal booked it and closed my account for 180 days, knowing that I did not even know the reason for that. 
-On XXXX I opened the account with PayPal -10 days later, on XXXX, XXXX  company sent me an amount of XXXXusd At the same time and at the same moment, PayPal surprised me by closing my account to confirm my identity... 
They asked me to send them a picture of my ID I said to myself that it is just a simple verification, I have already sent my ID in the place designated for it as it was required of me, and when I pressed send and at the same moment my account was closed definitively. 
I don't even know what criteria they took to close it even though they didn't even check my ID that they asked me for ( they asked for ID - I sent it to them - they closed it directly without even checking my identity ) And the biggest problem is that the amount sent to me by XXXX XXXX is not shown to me in my account PayPal sent me an email that I received XXXX usd but when I open the account it shows XXXX usd in my account I don't even know where she is.
Product: Credit reporting or other personal consumer reports

Dear Equifax I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 


1. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

2. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

3. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

4. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

5. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

6. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

7. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

8. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the account ( XXXX ) listed on my credit report under XXXX XXXX XXXX. This account was included in my XXXX  XXXX Bankruptcy, which was filed on XX/XX/year> and discharged on ( XX/XX/year> The bankruptcy case number is ( XXXX As per Section 524 ( a ) ( 2 ) of the Bankruptcy Code, any debt discharged in bankruptcy is legally prohibited from being reported as owed or collected. By continuing to report this debt, you are in violation of both the Bankruptcy Code and the Fair Credit Reporting Act ( FCRA ).

Additionally, as a debt collector, you are subject to the Fair Debt Collection Practices Act ( FDCPA ), which prohibits collecting or reporting debts that have been legally discharged through bankruptcy. Specifically, Section 1692e ( 5 ) of the FDCPA states that a debt collector may not falsely represent or threaten to take any action that can not legally be taken. Therefore, continuing to report this debt as
owed, after it was discharged, violates these rules.

In accordance with the FDCPA Section 809 ( a ) ( 15 U.S.C. 1692g ), I am requesting that you immediately cease all collection activities related to this debt, including reporting it to the credit bureaus. I also request that you update your records to reflect the fact that this debt was discharged in bankruptcy, and ensure that the account is marked as " Discharged in Bankruptcy '' on all three of my credit reports.

I have attached a copy of my bankruptcy discharge notice as evidence that this debt has been legally discharged. Please update my credit report and send me written confirmation that this debt has been removed from your records.

If you do not respond to this request or fail to update the account, I will be forced to take further action. Under FDCPA Section 1692k, you could be subject to legal action for continuing to collect or report on a discharged debt.
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, I discovered multiple billing mistakes. These late payments do not reflect my usual payment history. Please address these issues and update my records. Thank you!
Product: Credit reporting or other personal consumer reports

As I am reviewing my credit profile, I see a lot of derog marks to my credit profile that I do not understand. First, I was born in the state of XXXX XXXX I've NEVER resided in any other state besides XXXX XXXXThe trail of improper addresses started from XXXX XXXX XXXX  and worked it's way all the way to the state of XXXX XXXX This is a blatant sign of " IDENTITY THEFT ''!! 

The proper address that's suppose to be on my credit report is " XXXX XXXX XXXX XXXX XXXX XXXX XXXX '' that address has NEVER been reported to my credit report and I am trying to figure out why? I see addresses reporting to my profile that is absolutely incorrect, I have listed them below so you guys can review them and delete them immediately because not only do I have incorrect addresses but, I also have unauthorized accounts and/or inquiries that I did not make and I know that the first step to resolving this is contacting you guys after doing my due diligence. I would greatly appreciate it if you guys can remove these addresses immediately! It is affecting me in ways that I can't even explain. For someone to do this to my credit report is absolutely absurd and for I to not have knowledge of this is very embarrassing! I will be making a seperate complaint about the unauthorized accounts as well, I wanted to make this a seperate claim. Thank you! 

Incorrect/UnAuthorized Addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX state addresses. I have NEVER lived in the state of XXXX XXXX 


Correct Address 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 15 USC 1681. 


Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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

XX/XX/2023 A letter was received that the credit bureau ( Experian ) sent to me on behalf of XXXX XXXX XXXXXXXX stating the application # XXXX received XX/XX/2023 from the car dealership XXXX XXXX of XXXX, when I applied for a loan and it was not approved by XXXX XXXXXXXX XXXX. The problem or complaint that I have is that the letter had my full social security number on this letter. Today, XX/XX/2023, I called XXXX XXXX XXXXXXXX and they told me that letter came from the bureau ( Experian ). I was alarmed that my full social security number was on this letter. I have never seen such a thing. I tried calling Experian but automated voice would like allow me to speak to a live person to explain that they sent a letter with my social security number. Needless to say I am really disturbed about this with all the fraud that comes up, it's not a wonder this stuff happens. If you can help me resolve this I would be grateful. I have the letter to prove my social security number is exposed in this letter. Thank you for your attention!
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE SENT IN MULTIPLE DISPUTES FOR THIS COMPANY TO UPDATE MY PERSONAL INFORMATION. THE INFORMATION THEY HAVE IN THE SYSTEM FOR ME IS INACCURATE AND FALSE!
Product: Credit reporting or other personal consumer reports

I am disputing ALL THE PAST AND PRESENT NEGATIVE REPORTS against me published by this credit bureau. THEY NEED A FAIR INVESTIGATION AND NOT JUST LISTENING TO THOSE BANKS THAT I DID NOT PAY MY DUES. IT MUST HAVE A REASON WHY IS THAT AND NEED TO TAKE THAT INTO CONSIDERATION. I told to the credit bureau last year that all the negative reporting against me starting the year of XXXX up to the present time had/have been resulted from gross fraud. No XXXX went to my pocket at all. I have all the evidences and instructions on how the scammer who used me to get access of the loan money from those banks. Please see attachment regarding the Police Report that I obtained. The detective 's name that handling my case on XXXX XXXX, XXXX from the XXXX XXXX Police Station in California : Detective XXXX XXXX. Direct telephone number : ( XXXX ) XXXX. The Police Report Number : XXXX. 

Also, the fraud that I had been a victim of was not under the category of Identity Theft. It was much bigger crime that I had been a victim of that the FBI has now taken my case very seriously which was not very common for this law enforcement agency to take the case from an individual victim. 

Therefore, the FBI XXXX XXXX is taking the lead of my case as of XX/XX/XXXX up to the present time. Please see attached. 

If you need any more evidence from me that I got scammed big time, please let me know or feel free to reach out with the Feds in XXXX XXXX, California whose handling my fraud case currently. 

PLEASE STOP ENTERTAINING THOSE DEBT COLLECTORS AND BANKS WHO MADE DEROGATORY REMARKS ABOUT ME. THIS IS NOT FAIR AT ALL. IT IS VERY DEMEANING. OTHERWISE, I MAY HAVE TO TAKE LEGAL ACTION ON YOU.
Product: Credit reporting or other personal consumer reports

Subject : Discrepancy Regarding Account Status and Request for Clarification Dear XXXX XXXX, I am writing to formally address a discrepancy I have identified regarding my account with XXXX XXXX. Specifically, the status of this account is being inaccurately reported as " charged off '' on my credit reports from XXXX and Equifax. However, when I contacted XXXX XXXX directly, I was informed that this account was not charged off. 
Additionally, I have been advised by XXXX XXXX that no IRS Form 1099-C was filed for this account. Yet, I am being contacted by a collection agency and receiving phone calls regarding this matter. I find this situation confusing and concerning, as it appears to conflict with the information provided by your company. For reference, I have included copies of my credit reports and the notifications I have received from the collection agency. 
I respectfully request the following actions and clarifications : Confirmation in writing of the current status of my account with XXXX XXXX. 
A clear explanation of why my credit reports reflect a " charged off '' status if this is not accurate. 
Confirmation that no Form 1099-C was filed with the IRS, as stated by your representative. 
Correction to my credit report If there has been an error in reporting this account to XXXX and Equifax, I request that you promptly correct the information with both credit bureaus and provide me with written confirmation of the correction. 
Should you require additional information to resolve this matter, please do not hesitate to contact me in me writing. 
Thank you for your immediate attention to this matter. I look forward to your response within 30 days of receiving this letter, as per the Fair Credit Reporting Act ( FCRA ). 
Sincerely, XXXX XXXX XXXX Enclosures : Notifications received from the collection agency
Product: Credit reporting or other personal consumer reports

My information was exposed in XXXX data breach.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. XXXX XXXX Acct. # XXXX,. XXXX XXXX Acct : # XXXX, XXXX XXXX Acct. : # XXXX, XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX  Acct : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX  Acct : # XXXX, XXXX XXXX  Acct : # XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Student loan

For the second time in as many years, Navient failed to inform me that I needed to recertify my income, increased my payment from {$0.00} to {$230.00} without notice, and enrolled me in autopay without my permission. Last summer, I received an email that I my " autopayment '' would debit within a few days. Within fifteen minutes of receiving this email, I called them and told them not to debit my account. They explained it was too late, it was four days before the payment was to come due, and I should have notified them five days before it came due. In other words, they sent a single " reminder '' email out of the blue when it was " too late '' for them to stop the payment. I'm pretty sure I had to pay my bank a fee to refuse the debit. I unequivocally told them that I was not to be placed in auto pay status again. 

This morning, I got an email that my bank account would be debited {$230.00} on XXXX. I immediately logged in and unenrolled from autopay, but they said it was too late to stop the autopayment on XXXX. I work for a non-profit and should be paying only about {$40.00}. It is completely shady and an absolute repeat of last year. Apparently they have not respected any lawsuit the CFPB brought against them last yet.
Product: Credit reporting

I previously disputed a creditors account with Transunion. I was first alerted to this delinquent account from " XXXX XXXX '' when I received an email from a credit monitoring service i subscribe to called XXXX XXXX, they alert you to any changes on your credit report. I immediately called on XXXX/XXXX/2016 the creditor " XXXX XXXX '' and asked for an explanation as to why this account was on my report, they could not give me any reason. I then asked for the information verifying the debt to be sent to me and to and to this date have received nothing. Below is an except I have copied directly from the CFPB website. 
" If the debt collector does n't provide that information in the first contact with you, it is required to send you a written notice including that information within five days after contacting you '' To reiterate I have not received any information from this company. Transunion states they verified the debt which I find highly impossible considering I was never sent information backing this claim. Please delete the account " XXXX '' from my credit report. Thank you