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

My father passed away XXXX of this year in XXXX and left me an inheritance. I currently reside in XXXX XXXX. We ( me and my XXXX other siblings ) decided to sell gold he had through an auction house called XXXX XXXX XXXX, or XXXX XXXX, which is based in XXXX XXXXXXXX XXXX  The auction sent me a written check in the amount of {$180000.00}. 

I went into a Chase bank branch on XXXX to deposit this check. I opened a new account at this time. I provided proper identification and got a receipt from the deposit showing the date the funds would be available for use was XXXX. Early morning of XXXX the funds showed up in my checking account as " available for use ''. 

I then tried to pay off some bills using my debit card but it was declined and I was told to contact Chase bank. When I called them they informed me my account was under suspension and I needed to provide them with a verified phone number from the company who issued the check. I provided two phone numbers but was told neither of them were on their verified phone number list so they couldn't help me. I asked what my next step is but was told unless I provided a phone number they would not unsuspend my account and it will be closed. 

I decided to go into a branch and speak to someone in person. I was told pretty much the same thing. The banker told me to try and contact the auction house to attempt to find another phone number, have them try to recall the funds, or the CEO of that company would have to come into the bank with me ( which is unreasonable ). 

I called the auction company and spoke with Vice president, XXXX XXXX, and he said since the funds actually left their account on XXXX he is unsure how to help me. He said in the 48 years he has been in business this has never happened before. He also confirmed the two phone numbers I had for him are the only numbers associated with the auction company. 

I called Chase again and asked to speak to a supervisor or someone higher up. She told me the same thing, that they need a verified phone number or my money will be in limbo indefinitely. She informed me that the suspension actually started on XXXX and that my account will be permanently closed on XXXX and the funds will remain suspended until I am able to prove the legitimacy of the check through a company phone number. I asked if it was possible for them to call the auctions bank and verify these funds were meant to be sent to me. I was told they can't do that. When I asked why she refused to give me a reason and continued to tell me I needed to provide a verified phone number. 

They are effectively tying my hands behind my back and telling me to figure it out while keeping my money from me. The check has cleared, I see it in my account, and they are withholding it from me and not doing anything to help me solve this. 

Attached document has what I have found that proves the legitimacy of XXXX XXXX XXXX. When I offered these up to Chase they refused.
Product: Credit reporting or other personal consumer reports

They have contacted me on from XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX  numerous of times and I've requested a 1099c due to it stating charged off/written off. They keep stating that it is not in collection every time I request it. I am writing to formally dispute the reporting of canceled debt related to my account with your institution. I believe that this matter has not been handled in compliance with the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681 ( e ) ( B ), which requires the maintenance of accurate and complete information in consumer reports.

It has come to my attention that [ describe the issue, e.g., a canceled debt has been reported inaccurately or without the issuance of a Form 1099-C as required by the IRS ] . To resolve this matter, I request that you provide the following : A copy of Form 1099-C related to the alleged canceled debt, in compliance with IRS requirements . 
Documentation verifying the accuracy of the reporting of this debt, including the date of cancellation, amount, and applicable details. 
Immediate correction or removal of inaccurate information from my credit file, if applicable.

Under 15 U.S.C. 1681 ( e ) ( B ), you are obligated to ensure that all information you report is accurate and up to date. Failure to do so may result in further action to protect my rights under federal law. 

I request a written response to this dispute within 30 days, as provided by the FCRA. If this issue is not resolved to my satisfaction, I may pursue additional remedies, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) or seeking legal advice. 

Thank you for your prompt attention to this matter. I look forward to your timely response.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I sent XXXX, XX/XX/XXXX I sent XXXX, and XX/XX/XXXX I sent XXXX through XXXX via Wells Fargo. This was all for a deposit and first month rent on a rent house. When I met to get the keys he never showed up and later that day I learned someone lived in the house. Wells Fargo did an investigation but the funds were already transferred and the sent a letter stating the cases were closed that I received XXXX.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of fraudulent activity. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or XXXX XXXX  XXXX to file a identity theft report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an identity theft report, mine was under reference # XXXX and # XXXX. Please find the ATTACHED documents to assist in the removing of the erroneous personal information and fraudulent inquiries which were being posted to my report. Here is the list of items which do not belong to me or were opened without my permission : XXXX : XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX - XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX -- -- -- -- -- -- -- -EQUIFAX : XXXX XXXX XXXX XXXX XXXX XXXX , TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , TX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX -- -- -- -- -- -- -- XXXX : XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX , TX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any items in the file of a consumer that the consumer identifies as information that resulted from an alleged fraudulent activity, not later than 4 business days after the date of receipt.
Product: Credit card or prepaid card

RE : Discover Dispute Case Number:XXXX Dispute Amount : {$58.00} Discover Card is refusing to credit my account for items that were returned to the merchant XXXX on XX/XX/XXXX and XXXX, 2020 XXXX authorized the return of a damaged electric frying pan and sent a replacement that was also damaged. 
XXXX authorized the return of the damaged replacement. 
XXXX arranged for and had both items picked up by XXXX. XXXX XXXXs own website shows the items were picked up. 

Although both products were delivered to XXXX on XX/XX/XXXX and XXXX, 2020, XXXX failed to record the return of the replacement item and failed to issue a refund to my Discover Card. 
Due to XXXX XXXX non-existent customer service, I was forced to initiate a dispute of the charge through Discover Card in XXXX. This failed to resolve the issue In XXXX I filed a separate complaint with the XXXX against XXXX. 
XXXX finally acknowledged receipt of the 2nd item on XX/XX/2020 and instructed Discover to resolve this dispute in my behalf. 

I provided Discover with all the necessary proof they requested ( copies attached ) in the format they specified including ; o XXXX dated proof of pickup receipts for both items with XXXX XXXX delivery address o XXXX dated proofs of delivery of both items to XXXX XXXX dock o Screenshot of my XXXX account showing items had been received. 
o Copies of correspondence from XXXX agreeing to resolve the dispute in my favor Discover has failed to consider these recent developments and has failed to contact XXXX on my behalf to resolve the dispute. 

Discover Card is ignoring conclusive evidence and ignoring XXXX 's instructions to resolve the dispute in my favor Discover refuses to credit my account in spite of the conclusive evidence that both items have been returned and XXXX XXXX instructions to resolve the dispute in my favor Neither I nor XXXX believe I should have to pay for an item I returned. 

I require Discover to remove the charge of {$58.00} from my Discover Card account. 

XXXX XXXX
Product: Vehicle loan or lease

I was going through financial hardship and was trying to negotiate a payment plan, they refused and my vehicle was repossessed
Product: Credit card

I received the attached notice from XXXX Bank ( XXXX XXXX XXXX XXXX, XXXX, CT XXXX ) informing me that starting in XX/XX/year> my XXXX XXXX XXXX issued through XXXX will start to charge me a {$1.00} fee for sending a monthly paper billing statement unless I agree to recieve the statement electronically. Of course, depending on the item one purchased using the XXXX-sponsored XXXX XXXX this fee could exceed 100 % of the purchased price of item ( for instance if a user of the card purchased socks or earings on sale for {$1.00} ). 

Sending a statement though the US mail is the cost of doing business for this bank and its relationship with XXXX  XXXX and diming consumers by engaging in a deceptive trade practice is an offense. 

Thank you for your assitance.
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 Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries. 

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 or other personal consumer reports

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

XXXX XXXX XXXX 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 a 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 items 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 furnished any information relating to a consumer to any consumer reporting agency if th person knows or has cause to believe that the information is inaccurate.
Product: Mortgage

US Bank .... They cashed my check on XX/XX/XXXX, they are stateing I have not made a payment and charging me a late fee. I have tried numerous times to discuss this with them to no avail. They call several times a day, send emails basically telling me I'm destitute. I have made a payment they cashed the check and I am taking offense. They will also send this information to the credit bureau damaging my credit.
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint against XXXX XXXX XXXX XXXX XXXX  ) regarding a charge-off that has been incorrectly reported on my credit report. Despite my efforts to resolve this issue directly with XXXX and the credit bureaus, the charge-off remains on my credit report, causing significant harm to my creditworthiness.
Product: Debt collection

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/year>XXXX  ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX, XXXX and Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ). These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Debt collection

I left this complex when I got separated from my XXXX and after I moved out by a year and half, I started to receive calls from this debit collector, and I explained that this belongs to my ex-husband and to stop calling me or emailing me especially I have never given a permission to be contacted by phone or email ( 15U.S. Code 1692 C ). As well as I have noticed that this debit collector has added an interest on the debit, and mentioned for them that I still have to pay the total amount because they can't reach my ex-husband. 

Collection company name : XXXX XXXX Address : XXXXXXXX XXXX XXXXXXXX XXXX, XXXXXXXX XXXX XXXX Account : XXXX
Product: Debt collection

I have written this company a second letter asking them to verify the original agreement and prove that I owe the debt, They have not done so.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was looking at my report lately and noticed credit inquiries that were not made or authorized by me. 

XXXX XXXX- XX/XX/2018 XXXX/XXXX- XX/XX/2018 XXXX XXXX- XX/XX/2018 XX/XX/2018 XX/XX/2018 XXXX XXXX XX/XX/2018
Product: Credit reporting, credit repair services, or other personal consumer reports

The complaint I would like to file would be against XXXX XXXX and XXXX XXXX & XXXX XXXX. Recently I called XXXX XXXX office to get an updated log of my account for my records, as well as the original copy of the contracts and documents that I signed for the account. I called to speak with a representative from XXXX XXXX to get an original copy of my account and summary. The associates name was XXXX he did, confirm that my account was at a XXXX balance. 
After our conversation I asked XXXX If XXXXXXXX would be able to send me a letter summarizing what we had discussed concluding that the account was at a XXXX balance. He said he would have to talk to his supervisor to get an approval for a letter to be sent out. He came back and told me that they could in fact give me a letter and it would take about 48 hrs. To be sent out for me to receive it. After 2 weeks of not receiving it, I called back to XXXX, and they informed me I would have to call XXXX XXXX to get any further testament of my account. 
Once I was able to contact XXXX XXXX they informed me that my account was at a XXXX balance and they no longer had my account. I requested from XXXX a letter stating these facts about my account, but was denied this as they said they do not issue letters about account balances or status, I would have to get back in contact with XXXX for those records basically having me run in circles. I then had to call back to XXXX and I was able to speak with another supervisor there. She informed me the reason I had n't gotten a letter was because they do not send out and will not send out a letter concerning any details about my account. Because of this I disputed the negative showing on my XXXX on XXXX.17 as well the XXXX showing on the same day. I then proceeded to dispute the XXXX showing on XXXX17. All 3 credit Unions reporting agencies did not respond to my request within 30 days allowed. They did not provide me with any proof of the validation of the account that XXXX provided them. 
At this point I do n't know what was provided by XXXX to the credit reporting agencies. I spoke with a XXXX  representatives XXXX, XXXX and a supervisor by the name of XXXX on XXXX.17. I was told that a dispute came back from XXXX at a higher balance of {$1600.00} but previously it was {$570.00}. 

XXXX XXXX holds the account for XXXX and XXXX, as I have a XXXX credit card. Because of the dispute with XXXX,  XXXX XXXX informed me that they decreased my credit limit from {$700.00} to {$100.00}. I have never missed a payment and never am late on a payment. One of my big questions, is are they allowed to do that. I believe its unfair when I have always kept my account in good standings.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Consumer Financial Protection Bureau XXXX XXXXXXXX XXXX XXXX XXXXXXXX, Iowa XXXX Re : Urgent Rectification Required : Discrepancy in Credit Reporting with TransUnion To Whom It May Concern, I wish to express my unequivocal concern and dissatisfaction regarding an incorrect derogatory entry on my credit report, as documented by TransUnion. Possessing an in-depth knowledge of the Fair Credit Reporting Act ( FCRA ), I insist that this discrepancy be addressed immediately. 

On XX/XX/2022, Destiny wrongly reported a late payment on my account, numbered XXXX This notation, as conveyed to TransUnion, starkly conflicts with my personal records and infringes upon my rights under 15 U.S.C. 1681m ( a ) as I received no mandated notice of this adverse information.

Drawing upon 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), I now demand, not request, an immediate investigation into this egregious error. If you can not validate this derogatory entry within the statutory 30-day period, I expect without delay its complete removal from my TransUnion credit report. Anything less would be a blatant disregard for the regulations that govern your operations.

Furthermore, during the course of this investigation, any and all references to this dubious entry on my TransUnion report should be amended to " paid as agreed. '' This provisional action is not only logical but essential to shield my reputation from unwarranted damage.

Enclosed, you'll find the contested segment of my TransUnion credit report. I suggest you treat this as priority.

The importance of accurate credit reporting can not be over emphasized. Understand this : I am prepared to take every necessary action to ensure my rights under the FCRA are staunchly defended. The onus now rests on you to promptly rectify this issue with TransUnion. 

Your immediate attention and decisive action are not only anticipated but demanded. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ga XXXX Enclosure XXXX TransUnion credit report segment dated XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion says it has investigated the below dispute. XXXX says they charged-off XXXX on my credit report. This was a secured credit card of XXXX that they retained. Unknown and not communicated to me was the XXXX fee that they said I owed. After finding this out the fee was paid. This has been going on since XXXX. XXXX  will not return my calls. 

Please help, Thanks, XXXX XXXX Report Created On : XX/XX/XXXX File Identification Number : XXXX Provided by TransUnion Consumer Relations Your Investigation Results INVESTIGATION RESULTS - VERIFIED AS ACCURATE : The disputed item was verified as accurate. 
We investigated the information you disputed and the disputed information was VERIFIED AS ACCURATE. Here is how this item appears on your credit report following our investigation. 

XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Account Details Account Details Payment Status Account Number XXXX**** Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , TX XXXX ( XXXX ) XXXX Date Opened XX/XX/XXXX Responsibility Individual Account Account Type revolving Loan Type SECURED CREDIT CARD Balance {$0.00} Original Amount {$1100.00} Original Charge-off {$1100.00} Credit Limit {$1000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I closed XXXX XXXX in XXXX of XXXX  and today trans union just dropped my credit score and put the balance back on the account I have provided information from trans union report showing it was closed and paid in full