23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I have XXXX accounts with American Express that were included in a debt consolidation agreement with my now ex-husband in XX/XX/2019. ( See attached debt consolidation agreement ). Amex marks these XXXX accounts as late in XXXX of 2019 despite being part of the debt consolidation agreement ( once the agreement is signed, which is was on XX/XX/XXXX, it's out of our hands and the debt consolidation company takes over ). The payments were not late as they were all done through the debt consolidation agreement, and the payment plan has now been completed XXXX YEARS AHEAD OF SCHEDULE, so it's very obvious that we weren't shirking our responsibilities, we paid everything on time and even several years early, yet it's still showing late payments in 2019 when they were under the debt consolidation agreement. I disputed it with XXXX and XXXX, and Amex replied to XXXX that they had updated the account, but it hasn't happened, the payments are still showing as late, and with XXXX Amex said the accounts were correct as reported so no changes were made.
Product: Mortgage

I have contacted the bank several, several times and spoke in person about my issue. {$9000.00} was deducted from my line of credit by fraud and I have a copy I received from the bank with the account number it went into, that IS NOT my account number, and the routing number IS NOT my account. The bank will not help me solve this fraud or investigate this issue and are now charging me for this transaction that I did not make? 
I am now paying double the amount I owe. Where do I go from here for someone to investigate this situation? Thanks.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue reporting on my credit report, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against them if they do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Chase is the only party listed that continues to act like there is n't a problem here. Everyone else is at least trying to help. Therefore Chase is the only one getting an FTC complaint this week. I am throwing in HUD for good measure : Complaint reads as follows : I bought a house using Chase Bank as the lender. Chase chose XXXX XXXX to be the title company. 
Prior to the my purchasing the home the parcel upon which it sits was divided. It used to be XXXX large parcel with XXXX houses. The large parcel was divided into XXXX smaller parcels prior to the sale. 

XXXX parcel has my house- this is the only parcel I own. My " rear neighbors '' own the other XXXX parcels. 
Chase, with the help of XXXX XXXX, made some huge mistakes in the closing paperwork and recording the deeds. It turns out, the deeds were n't done by the time I closed and I never agreed to anything they are submitting as my closing paperwork. We do not have a valid contract. 

For added entertainment XXXX of the XXXX selling parties and I have the same last name. XXXX. No relation and no one looked at first names. My mail will never be the same ... : ' ( I do know my SSN # was attached to the sellers name and I am concerned Chase may have " reinvented '' my identity with this move. 
All of the small details are really complicated and over my head. I have kept detailed notes, a running journal, and all of my records/letters. There are so many documents I am going to hold off on sending until I have a rep, otherwise it will be very confusing for everyone. I have some experience : ) The end result is that I was, and am, being charged a lot of money for taxes on land I do n't own. Chase knows I do n't own this land. I went through the process with the XXXX AG 's, and we fixed it, but they recently " unfixed '' it. 

I just opened my new XXXX AG complaint, but I need more help. 

They have destroyed my credit, are continuing to report, and they are n't even sure how much I owe them each month ... and we do not have a valid contract. 

They have also taken to sending collectors to my home to harass me on the weekends at times my children are present. They have left me in a state of total financial and emotional devastation and are continuing to ignore me. Please help.
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  Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX 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

This account was charged off on the following date : XXXX XXXX  CHARGE OFF. Since then, the account has repeatedly been updated as charge-off every month. This is an update on the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights AND HAVE COST ME CONSIDERABLE AMOUNTS IN CREDIT APPROVALS. I am demanding a DELETION of the following accounts : Experian : XXXX XXXX XXXX XXXX XXXX Experian : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Please remove these inaccurate accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 

1. XXXX Account Number : XXXX Bal : {$9400.00} 2. XXXX Account Number : XXXX Bal : {$0.00} 3. XXXX XXXX XXXX Account Number : XXXX Bal : {$2700.00} 4. XXXX XXXX Account # XXXX Bal : {$750.00}
Product: Credit reporting or other personal consumer reports

I submitted a dispute through the XXXX XXXX app but it came back that the account was mine. I was a victim of identity theft since XXXX  and accounts have been opened up with my information that I have no knowledge of. I need these account removed as they are hindering my credit worthiness.
Product: Debt collection

Good Afternoon, NATIONAL CREDIT SYSTEMS Date opened : XX/XX/2017 Person who is Associated is : XXXX XXXX Asking for amount : {$31000.00} for Original creditor XXXX XXXXXXXX XXXX XXXX Detail : I was not aware of this until recently and XXXX  told me about it when I was doing my credit check and I have no idea this happened before and my identification was used and I did not authorize this. I have disputed with expedience few time and they advised me to file FTD and send them the information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/2022, to remove these accounts that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days after XX/XX/XXXX. Ive already included this in my previous Complaint XXXX & I am including it again. Please do immediate action regarding this matter. 
XXXX XXXXBalance : {$0.00} XXXX XXXX XXXXBalance : {$4600.00} XXXX XXXXBalance : {$0.00}
Product: Debt collection

In XX/XX/XXXX, XXXX incorrectly billed me for an international call allegedly last XXXX minutes which is inaccurate. Upon receiving the bill, I made a number of attempts to dispute the claim with XXXX both over the phone and in person at one of their locations. 

My dispute was based on two facts ; 1 ) Through my entire relationship with XXXX I had never made an international call last more than 2-3 minutes as those can and could at the time be made free using the Iphone facetime voice call or other applications. For this, while they could clearly see my history I also provided them with copies of all my statements for the prior 12 months. 
2 ) I provided them with evidence from my phone records showing the alleged call being made at XXXX XXXX on XX/XX/XXXX, but only lasting 2 minutes as it was Cancelled or Dropped at XXXX XXXX. I have maintained evidence of these records and they can be provided at anytime As I continued to dispute the claim in early XXXX, XXXX referred me to a collection agency ( Convergent Outsourcing ). Convergent immediately reported the claim to the credit bureaus without any efforts to understand the disputed claim. At this point in order to make an attempt to avoid further harm to my credit score, I agreed to settle the claim but only once Convergent agreed to remove the record from my credit report, which they noted over a recorded line that if I called once the settlement had been processed, they would request the record to be removed. The settlement processed XX/XX/XXXX Currently, this continues to be included in both my XXXX and XXXX credit reports and has been removed from my XXXX report after attempting to dispute the reporting with all 3. 

I have continued to make efforts to contact both Convergent and XXXX on the matter, as of the most recent call the week of XX/XX/XXXX, Convergent noted that they could not locate my file and XXXX  claimed to not be able to locate it and after further escalation they were requesting me to go to one of their physical stores, which based on prior experience it would just be another attempt to defer resolution. 

After attempting to discuss the matter with Convergent and XXXX once again, I followed up with the XXXX Disputes team, who adviced that Convergent has refused to provide them evidence other than noting that the claim must stay and the XXXX associate opened another dispute, however he advised me to file a CFPB dispute as well
Product: Money transfer, virtual currency, or money service

The company is coinbase, I have the account, many years, I just cell and buy coin, they lock my account, I only access, cant use sell, add, buy money, only can see, my account money almost became XXXX. I call them many times, they just give me case number, half one year, still lock my money
Product: Credit reporting or other personal consumer reports

After viewing my credit report. The following accounts listed below are not mine. Please remove these accounts reporting to my Experian credit profile. 

XXXX. Please remove this account from my credit report. 
XXXX XXXX XXXXt Account Type : Collection Date : XX/XX/XXXX Balance : {$350.00} XXXX. Please remove this account from my credit report. 
XXXX XXXX XXXX  Account Type : Collection Date : XX/XX/XXXX Balance : {$280.00} XXXX. Please remove this account from my credit report XXXX XXXX XXXX Account Type : Collection Date : XX/XX/XXXX Balance : {$460.00} XXXX. Please remove this account from my credit report. 
XXXX XXXX Account Type : Collection Date : XX/XX/XXXX Balance : {$100.00} XXXX. Please remove this account from my credit report XXXX XXXX Account Type : Charge Off Date : XX/XX/XXXX Balance : {$110.00}
Product: Credit reporting or other personal consumer reports

Capital One NA, PARENT COMPANY, and Subsidiaries ( Capital One Auto Finance ) are trying to collect on an alleged debt despite creating consumer account for securitizing consumers RETAIL INSTALLMENT AGREEMENT WHICH UNDER XXXX CFR XXXX IS INDEED AN CREDIT SALE AS CONSUMERS SOCIAL SECURITY NUMBER WAS USED IN SAID TRANSACTION. Also, According to the IRS, a charge-off is a type of certificate of indebtedness, which means it is treated as income and can be removed from records. I have aslo sent a disput letter XXXX with the FTC report and Affidavit to Capital One, according to FCRA XXXX Capital One had XXXX business days after receipt to cease reporting of any information identified in the subject identity theft report as resulting from identity theft. Which, Capital One has failed yo comply. I have submitted a XXXX, XXXX XXXX, and XXXX B to the IRS since Capital One has not provided me with copies of the mentioned forms. FTC fraud report ( XXXX ) was filed on behalf of the consumer. Consumer requests Capital One provide me with copies of my XXXX, XXXX XXXX, and XXXX XXXX I am also requesting that Capital One Provide a CERTFIED copy by their CPA of their XXXX accounting records. I have also filed forms XXXX and XXXX treasury XXXX to audit consumers ' accounts. XXXX, XXXX, and XXXX has a duty to report inaccurate information that they have failed to uphold. Capital One, XXXX, XXXX, and XXXX have caused me financial and emotional distress from their unjust practices. I would like all reporting to Cease and Desist : to immediately stop all collection efforts and information sharing related to this account. I would then like the status of Account # XXXX to reflect closed by consumer and marked as paid as agreed. Symbol : XXXX XXXX XXXX XXXX : XXXX ISIN : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Over the last 3  years multiple of my financial accounts from various companies have terminated my existing accounts that had been in good standing for years. These types of accounts and companies include : - American Express Consumer Credit Cards - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX personal investment account - XXXX XXXX XXXX XXXX  Account / XXXX Checkings Account All these accounts were terminated abruptly and with no explanation ( aside from XXXX, who sent a generic letter via mail ). 

Ive called each company to find out why I didnt receive a notice, what the reasoning was, or to request an adverse action letter. 

Each company has given me an almost identical response, which is Per the terms of your agreement, we can terminate your account at anytime and without reason and/or We terminated your account due to a business decision. 

After my many calls, letters, and emails to find out why I was terminated or what system or third party was used to make this business decision, I am given no response. 

When my financial advisor learned my ROTH IRA account with XXXX was terminated, he was able to contact someone at XXXX and learned it was due to me being flagged on the AML ( anti money laundering list  ). 

We were both blown away, I havent a clue how to even launder money. However, 11 years ago I was XX/XX/XXXXof a felony when I was XXXX related to XXXX. I had a feeling my crime ( which no restitution is owed, no liens or judgements ) is somehow flagging on 3rd party screening software to supplement my credit profile and incorrectly identifying me being on the XXXX. 

I have no clue how to proceed, because no company will even give me anything beyond a business decision as to the reasoning. I am afraid to apply to other financial institutions because I may be blacklisted. It leaves me in a difficult situation when it comes to banking and investing.
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  Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXXXXXX 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, credit repair services, or other personal consumer reports

In accordiance with the Fair Credit Reporting act. The list of accounts below has violated my federally proected rights to privacy and confidentially under 16 USC 1681. 

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

15 U.S.C section 602 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 advertised item of information, other than records of convictions of crimes which antedates the report by more than 7 years. 

Accounts XXXX XXXX : Inquiry Date XX/XX/2022 XXXX Inquiry Date : Inquiry Date XX/XX/2022 XXXX XXXX : Inquiry Date XX/XX/2022 XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I demand that the following account be verified or removed immediately : 1.The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2021 Please remove it from my credit report. 

2.The inquiry was not authorized XXXX Date of inquiry : XXXX Please remove it from my credit report. 

I respectfully request to be provided proof of these alleged items.
Product: Checking or savings account

My name is XXXX XXXX my card isnt working I need the blocked or the hold on it or on the accounts for checking or saving accounts to be removed because when I called in today they say they cant help me I would have to to a branch in person with a picture id and other documents but I told them I dont have a picture id and I cant because I dont have a way to get to a branch in person because I dont have a way or transportation and XXXX XXXX etc and I get this error message that is attached below please look at the attachment below etc and my ssn is to look up my account is XXXX so please fix my issue and also please remove the block or suspension or restriction on my online banking account access please regrant me online bank access and restore all my services and features on my online banking account etc.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the Fair Credit Act XXXX account number XXXX XXXX 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 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

There was a bank merger between XXXX XXXX XXXX  and XXXX XXXX, during the transition period, my debit bank tied to my account did not process a payment to XXXX XXXX As a result, my account has been reported as late. This is a complete error, there was sufficient funds in the account, the bank provided a letter of proof of funds but the credit reporting bureaus and XXXX XXXX has refused to correct the error. 
This type of error on my credit report ( s ) is damaging and it's unfair. They continue to ignore my request after multiple requests to this company asking for resolution for the inaccurate late payment that's being reported.
Product: Payday loan, title loan, personal loan, or advance loan

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX KikOff Inc . 
XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Dear KikOff, Im writing because I need some clarification on a few details about an account youve reported on my credit. Specifically, Im asking for the following : 1. Date of First Delinquency ( DOFD ) 2. Date of Last Payment 3. Date of Charge-Off ( if that applies ) Just to be clear, this isnt a request for validation or verification of the accountIm just asking some questions to keep my records straight. 

If you need anything from me to look this up, let me know. Thanks for taking care of this! 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am tired of sending dispute letters to the Credit Bureaus requesting that they correct these erroenous accounts being reported on my Credit File because the Credit Bureaus have been doing nothing! This complaint is to follow up my previous cmplaints and letters I submitted on XX/XX/2022 and to inform them that I am halfway of taking legal action and sue the Credit Bureaus for their willful non-compliance of the FCRA statute. Only if the Credit Bureaus chose to update and correct the following accounts on my Credit report, then I may stop filing lawsuits against Credit reporting agencies. The accounts that should be corrected are as follows : XXXX XXXXXXXX XXXX Late Dates XXXX, DEPTEDXXXX XXXX Late Dates XXXX, DEPTEDXXXX XXXX Late Dates XXXX, DEPTEDXXXX  XXXX Late Dates XXXX, DEPTEDXXXX XXXX Late Dates XXXX, DEPTEDXXXX XXXX Late Dates XXXX, DEPTEDXXXX XXXX Late Dates XXXX, DEPTEDXXXX XXXX Late Dates XXXX0, DEPTEDXXXX XXXX Late Dates XXXX, DEPTEDXXXX XXXX Late Dates XXXX