23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I received notification on  XXXX   XXXX  2017 that an account from   XXXX   XXXX   XXXX   was removed from my credit reports and was then added back on   XXXX    XXXX , 2017. The FCRA requires If an item is inaccurate, the bureau has to remove it. If they later discover that the error has been corrected they cant put the negative item back in your report. But if they do that they first have to tell you 5 days before they reinstate the item. I was never provided any notification directly from the CRA 's prior to this debt being reinserted into my credit file.
Product: Checking or savings account

Subject : Request for Assistance with Charged-Off Account at Chase Bank Dear Consumer Financial Protection Bureau , I am writing to seek assistance regarding a charged-off account with JPMorgan Chase Bank. Chase Bank recently charged off my account and is now requesting payment in order to consider reopening my account or to potentially settle the outstanding balance. 

I would like to understand the options available to resolve this situation, as well as any guidelines around the banks practices related to reopening charged-off accounts. It is unclear to me how Chase Bank calculates the remaining balance and under what conditions the account may be restored. 

In addition, I am concerned about how the charge-off and the current balance may impact my credit report. I would appreciate it if the CFPB could review this case and advise me on the proper procedures to follow in this situation. 

Please let me know if any additional information is required to assist in the review. I look forward to your guidance on how best to resolve this matter with Chase Bank. 

Thank you for your time and assistance. 

Sincerely, XXXX XXXX
Product: Money transfer, virtual currency, or money service

Ive had an account for a long time that I seldom ever use with crypto.com and when I logged in it said my account has been frozen by this company for unknown reasons and to reach out via email. I did. Several times, Ive attempted to contact them to access my funds and remove them from this platform numerous times on XX/XX/year>, XX/XX/year>, XX/XX/year> and XX/XX/year>. The company sends the same automated generic email over and over. I still have no response, or have talked to anyone, nor am I able to speak to anyone or call to resolve this issue with this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

as a result of fraudulent actions i have 11 inquiries that i did not apply for when i asked the companies in question i was told to contact the credit agencies when i did so they told me to go back to the creditors at this point i need these fraudulent inquiries removed they are not connected to any accounts on my file. 
1..XXXX XX/XX/XXXX 2.XXXX  XXXX XXXX  XX/XX/XXXX 3.XXXX XXXX XXXX XX/XX/XXXX 4.XXXX XXXX XX/XX/XXXX 5.XXXX XXXX XX/XX/XXXX 6.XXXX XXXX XXXX XX/XX/XXXX 7XXXX XX/XX/XXXX 8.XXXX XXXX XXXX XX/XX/XXXX 9.XXXX XX/XX/XXXX 10.XXXX XX/XX/XXXX 11XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted written request to XXXX, XXXX XXXX, and Experian about 4 accounts reporting on my credit report. 2 of these items where the result of ID theft and fraud. I submitted a police report via fax to XXXX. I also provided documents and letter to each credit bureau stating the reasons for each dispute. they have failed to verify or properly validate any of the information reporting. I asked for proof that these accounts were validated, they have repeatedly failed to do so. This is affecting my credit negatively.
Product: Credit reporting or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. You must remove/block any items that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX L XXXX XXXX, FL XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$490.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$2200.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$110.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$750.00} ; XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$2600.00} ; XXXX XXXX Balance Owed : {$10000.00}.
Product: Money transfer, virtual currency, or money service

I requested information regarding a villa stay in the XXXX XXXX through a company called XXXX, their website is XXXXXXXX, and was put in contact with XXXX XXXX XXXX XXXX. I proceeded with booking a villa in XXXX, XXXX XXXX from XX/XX/2022 - XX/XX/2022 and three payments in the total amount of {$6000.00}. 

When the day came to check into the villa XXXX XXXX responded to my messages and told me he got the days mixed up and that the villa was already occupied. He promised to return my money and it's been over a month and all he does is come up with excuses as to why he can't give me the money.
Product: Student loan

I have federal student loans that started with Nelnet, changed to XXXX XXXX, then went back to Nelnet. During this time, I went into automatic forbearance starting XX/XX/XXXX when I filed for bankruptcy. During this time, my loan was to stay in forbearance even if I made payments. However, I was placed in and out of forbearance ( moved from forbearance status to " in repayment '' status at various times during this period ) ; thus causing interest to accrue and/or capitalize unfairly. Additionally, there are misreported unknown forbearances over time leading to outstanding interest that is not adding up. Something has been misreported and I would like this to be investigated further. When I asked about my exorbitant amount of interest and capitalized interest back in XXXX, Nelnet did not have any explanation. Once I pulled the attached document and had an expert review it, discrepancies were found as noted in the previous sentence. 

Please see the attachment showing payment history and disbursement form XXXX. Any assistance is greatly appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

Non of the major credit reporting agencies require companies reporting information regarding consumers requires any proof for reporting. I have contacted Experian, XXXX, and XXXX. I have been told by all XXXX bureaus the accounts that I have disputed has been verified by the furnisher. I asked if there was counter information to the documentation that I have provided with my dispute. I was advised there is no proof because it is an electronic process, in addition, they are not required to give me any proof. Today, after speaking to a very rude Experian representative, I was advised that I should file a complaint against the bureaus with the CFPB.
Product: Money transfer, virtual currency, or money service

Hello so these payments were sent to the scammer and unfortunately he illegally claimed that he a real business and an auction access for cars where he was suppose to buy me a car. He also provided XXXX contracts for me to sign but it turned out they were fake. This scammer used fake business name and illegal contract to take my money. Here are details the payments were sent through cash app. My first payment sent was on XX/XX/year> for {$95.00}. My next payment was on XX/XX/XXXX for {$240.00}. Next is XX/XX/XXXX with two payments of {$180.00} {$120.00}. Next was XX/XX/XXXX for {$490.00}. XX/XX/XXXX for {$500.00}, {$1000.00} and {$140.00}. XX/XX/XXXX was {$2.00}. XX/XX/XXXX was {$1500.00}. XX/XX/XXXX was {$490.00} and {$180.00}. I also gave him {$13000.00} cash in person. I contacted the police in person and I do have the claim number and polices email. The police told me the best idea would be to take him to court which I will very soon. I provided all of this information and I provided text messages his license and signed documents by my local bank. My bank knew I got scammed so they shut down my cards and issued a fraud dispute against the scammer. As weeks went by, I called my bank up to get updates on it, they told me that unfortunately it was denied because my bank tried to get a hold of the scammers bank and cash app but they declined my banks request. One reason it could be declined is because the scammer emptied his account so that way my bank can not retrieve the funds. I did submit a fraud dispute on cash app about 4-5 days ago and it still shows pending as Im waiting for the response. On XX/XX/year>. I called my bank to receive a file proof so that way I can send it to the FTC. My bank also contacted their analysis to see if they can reopen my dispute and try one more time to contact their bank/cash app, so I am waiting on that. Right after I also called cash app and I told them what happened and as I was describing they started writing down notes and everything that happened into the system so that way when the bank or FTC contacts cash app they are ready to provide the information. Cash app told me that since Im the one calling they are not able to work with me, but they said if your bank or FTC contacts us ( cash app ) than they are willing to help me and all. Im super sorry for this long paragraph and it might be super confusing. But I am willing to provide as much information and proof of needed. I have the claim numbers from my bank and also proof from cash app. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

Found out that even after our XXXX XXXX XXXX mortgage account has been removed from Equifax, changes to our scores are still happening when it seems we're trying to refinance and get away from them. This is an action that we're well familiar with, and it happens EVERYTIME there is a credit inquiry that appears as Refinancing attempt. 

The credit apps sends out warnings when there are changes to my credit reporting. The most recent alert shows what normally happens after there is an mortgage inquiry. Equifax ( only ) score dropped by XXXX points. The app also shows what caused the drop. It is showing my XXXX XXXX account, had an {$92.00} increase. This is not possible considering the last reported change to the XXXX account was in XXXX. So why would an increase take place a month after the last reporting. The app also shows The inquiry that was believed to be a mortgage company. 

Now, Equifax had previously informed me that they had removed the entire XXXX XXXX XXXX account, so we wanted to see if XXXX XXXX XXXX  would still have access to our Equifax credit reporting and that was confirmed by the changes. 

In no way should the score continue to drop simply from an suspected mortgage inquiry, that's usually only a point or two drop. I've had it drop as much as XXXX points in the past, but mostly on XXXX only. I also have recorded more than XXXX changes that happens mostly on Equifax from two separate mortgage servicers ( one being XXXX XXXX XXXX ). 

We have been made aware that the credit bureaus are being used to exploit us using predatory practices. And what really reveal things, the score drop only happened on Equifax.
Product: Mortgage

Contacted HPFC numerous times regarding tax bill disbursement. HPFC provided an auto generated reply stating the bill would be paid but for a different amount and with a past date. The bill was higher than what was anticipated to bill due to an error with the XXXX county assessor. I informed HPFC of this and made a payment to the escrow account for the shortage. My bill was increased by XXXX with no insights or documentation for the increase. Prior amount was XXXX and bill now shows XXXX. This conflicts with my statement and HPFC can not provide an insight as to the difference. The asesor has also fixed the issue to document my taxes now being due in the amount of {$1000.00} which is less than HPFC estimated amount of {$1500.00}. This should lower my total monthly payment. Ive contacted HPFC numerous times to resolve and no success.
Product: Debt collection

Due to misunderstanding, medical debt was sent to collection. I sent a check immediately to the address in the letter for the amount of {$52.00}. The check cleared on XXXX, but I continue to get letters from the collection agency saying I still owe the debt. I communicated back to them AND to the original XXXX. to stop with the letters, but today I received yet another one. 

Transworld Systems Inc Collection Agency XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX. 

I am concerned it could impact my credit when I handled it as soon as I knew the XXXX. office didn't consider the matter settled.
Product: Student loan

The complete lack of support and aid is so infuriating. Im screaming into the abyss now. As a XXXX yr old trying to take advantage of the SAVE plan, Im ripping my out my hair making more of an effort than the greedy scam loving company Im so lucky to have borrowed money from. Do better. Were all deeply struggling. The entirety of the world is in debt. WERE ACTIVELY FUNDING A GENOCIDE WHILE OUR OWN PEOPLE CAN NOT AFFORD THE RIGHT TO LIVE AND THEY DIE HUNGRY. Keep protesting, keep questioning, keep caring. The true oppressor is money.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX ... XXXX  ( Original Creditor : XXXX  XXXX XXXX ) XXXX ... AFNI ( Original Creditor : XXXX XXXX ) XXXX ... that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Product: Mortgage

I purchased my home  XX/XX/XXXX , and my original loan was with  XXXX   XXXX . {$43000.00 } ( 2 0 % of loan ) was a 15 year loan with principle and interest of {$480.00}.  XXXX  sold the {$43000.00} to  XXXX  shortly after my purchase, the 80 % was sold to  XXXX   XXXX . I made payments for 6 years to  XXXX , none of which were being applied appropriately nor would they let me refinance to incorporate i nto one loan.  The loan was provided under false pretenses indicating that the loan was temporary, and after consistent payments, a refinance would be available. The mortgage company said this arrangement was all that was available due to the economy and mortgage industry. I asked repeatedly for a refinance and the indicated this type of loan could not be refinanced. I could not even call  XXXX  through the regular mortgage number, it was a special department at  XXXX . The loan was sold to  Greentree, then I guess Ditech f or the original amount of the loan in  XX/XX/XXXX ! I stopped paying in  XX/XX/XXXX  due to their inability to provide an accurate balances, correct terms, reporting accurate informayion and the ease of working with the company. I always ended up talking to someone in  XXXX . Ditech charged the loan off with original balance due from   XX/XX/XXXX ! They are still reporting as delinquent in  XX/XX/XXXX  even though charged off in  XX/XX/XXXX .
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted XXXX, TransUnion, and XXXX multiple times in 2022 XXXX through XXXX to remove this incorrect information and negative accounts from my consumer report. They always respond back and say they have " verified '' with the company that the information is correct. But have yet to provide any proof, This company is breaking the law in multiple ways. 

15 USC 1681 s-2 says you are a furnisher of information.

YOU ARE PROHIBITED BY LAW to furnish inaccurate information. I demand you to Cease and Desist the reporting of incorrect information immediately.

15 USC 1681 s-2 ( a ) ( 1 ) ( A ) 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.

15 U.S. Code 1681c2 - Block of information resulting from identity theft ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of 15 U.S. Code 1681q - Obtaining information under false pretenses Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both.

person ( b ) The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity.

These laws are very clear! 

I want this negative information and accounts removed from my consumer report immediately! 

I also have my submitted FTC report attached XXXX XXXX  {$7500.00} XXXX XXXX XXXX {$5900.00XXXX XXXX XXXX  {$560.00} XXXXXXXX XXXX XXXX {$1900.00} XXXX XXXXy {$5900.00} XXXX XXXX XXXX$4400.00} XXXX XXXX XXXX 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 XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act 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: Debt collection

On XX/XX/XXXX I had my brother to compose a letter of dispute on my behalf to Monterey Financial Services. 
In regards to a collection on my credit profile that I " have NO knowledge of '' The letter is detailed asking for validation of debt ( showing my signature, any stipulations of guarantor statement, last date of charge/activity and or payments ) I do n't even know the name of the original creditor. 
I received a written response dated XX/XX/XXXX stating I should have requested validation 30 days after I was notified of which I was never notified by XXXX XXXX. They have violated FDCPA and also FCRA to list this disputed and unvalidated alleged debt on my credit profile that I have no knowledge of.
Product: Credit card

I called them with fraudulent charges. They said they would investigate and to not make a payment til it was resolved. I called again cause I haven't heard from them. They said the investigation was still ongoing. Not to pay the bill til it was resolved. The I got a email that I was late on my payment and they charged me {$29.00} late fee. I called and they said didn't know exactly what was going on. Found two more small charges that I didnt make. They told me they were going to start another investigation. This has been going on since XX/XX/XXXX. I made one charge to this card for my contacts but the charge isn't on the statements.
Product: Debt collection

On XXXX/XXXX/16, a company called XXXX from XXXX XXXX XXXX XXXX XXXX, SD XXXX did a hard pull of my credit report. 

I must say, I applied for a credit card at Citibank and the hard pull from Citibank it shows on my XXXX report ; as a result I have to hard inquiries on XXXX/XXXX/16 : XXXX from XXXX and another from Citibank. I do n't own any products from Citibank. 

I do n't know who XXXX is? Or why are they doing a hard pull on my report when I did n't authorized it.
Product: Credit reporting, credit repair services, or other personal consumer reports

My vehicle was stolen in XX/XX/XXXX in XXXX. About a month after I left for XXXX on a XXXX XXXXt in XX/XX/XXXX. I had a dispute with the insurance company, XXXX, over an inspection that was suddenly required after I called to update my address in XXXX, after I already was in Texas preparing to deploy. 

Turns out by the time the vehicle was taken, the coverage was dropped without my knowledge in the form of notice and the claim was denied. I notified the lender of the insurance claim as well and I continued making payments every month with auto pay. 

Fast forward to XX/XX/XXXX, and the vehicle was recovered by local law enforcement. I was still away, so my father was notified and then told me to call the local impound, XXXX XXXX. where they told me either I had to fly back personally and retrieve it or release it to my insurance. Which I did not have since the car was stolen ; the insurer later dropped me. 

A family friend in the insurance industry told me to make a complaint to the state and see if they can help. I did not want to risk a lien on my account. Florida investigated, then later found in my favor that an inspection was not required and that XXXX had to honor the claim. I was emailed this notice in XX/XX/XXXX. ( I have the emails and memo ) My lender, XXXX XXXX, took payment from me in XXXX and XX/XX/XXXX. I have the bank statements to show for it. They later claimed I was delinquent and sent a threatening letter to my mailing address instead of any other form of contact despite the fact I had called and updated them that the insurance claim was on going. 

According to XXXX, because the vehicle was impounded, they had the right to call in the loan within 30 days dated back to XXXX when the vehicle was first recovered. Despite taking my payments and my dialogue with them about the insurance claim. 

They promptly canceled my XXXX payment and my installment plan. And later reported my account as a charge off just days after receiving a settlement check. 

I have a memo from XXXX laying out the timeline of the claim. Considering I had to hand sign documents and mail them from XXXX. I had no control over how long the paperwork and processing of a check took. 

I have disputed the charge off with each credit bureau showing the XXXX memo. I have asked XXXX XXXX for an adjustment considering I hadnt missed a payment and I was overseas. They have ignored my pleas and insisted on their arbitrary company policy
Product: Credit reporting

Still reporting a judgement docket # : XXXX from 2008 on my credit report that is XXXX years old.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed with Chrysler Capital regarding their false reporting to the credit bureaus. On XX/XX/XXXX, I disputed with them regarding a 30 day late payment for XX/XX/XXXX and they updated to XX/XX/XXXX, which was false. On XX/XX/XXXX, I disputed again the 30 day late payment for XX/XX/XXXX and they updated it to XX/XX/XXXX. On XX/XX/XXXX, I disputed with them regarding their false reporting to the credit bureau. They then updated the 30 day late to XX/XX/XXXX. This is beginning to become a game with Chrysler Capital. Inaccurate reporting to credit bureaus. I need them to be investigated for inaccuracies and false reporting. No one is investigating this matter. I need assistance, thank you.