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

I deposited a check for over {$57000.00} into my Chase checking account ( via their ATM ) on Monday afternoon XX/XX/23. It initially showed as the correct amount, {$500.00} was cleared while the rest was scheduled to clear in coming days. The next morning ( XX/XX/23 ) my online checking said that there had been a deposit error and the money was removed from my account. I went into the branch where they supplied me with a photo of the check and said that they could see it was a proper check and that I had endorsed it correctly, but that they had no idea why it hadn't been accepted. I asked for the check back and they said they couldn't give it to me or tell me why it had been rejected. I went home and called the issuer ( An insurance company called XXXX  ) and they said that it was negotiable and that they would be happy to verify that with Chase. I told someone at my branch, who DID verify its negotiability with Principal, but said it was " too late now ''. I was told at first that I would get the check back, but yesterday I was told I would not get the check back. I reached out to Principal who said that they can't cancel the check and send a new one until after XX/XX/XXXX, and I just got off the phone with the escalation department at Chase who still has no answer for me why the check was considered non-negotiable. I find it outrageous that through no fault of my own I won't have my money for WEEKS and that Chase doesn't have to explain why they chose not to accept it. For what it's worth. my sister also received a check in almost the same amount from Principal and a different Chase bank accepted the check and the money, etc. without a hiccup
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is a follow-up complaint in line with my previous attempt. I need you to remove or block the reported items in my file for I believe they are erroneous. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100% accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. Therefore the following information needs to be reinvestigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature.
Product: Credit reporting or other personal consumer reports

Ive recently reviewed my credit reports and notice in accurate information and accurate name, variations as well as in accurate phone numbers and addresses which I believe led to an accurate credit reporting across-the-board XX/XX/2022. I was a victim of identity theft when someone removed money from my electronic benefit, transfer card From the ATM without even having my card, the car was in my possession the whole time and this was done proximately XXXX miles away from my location.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX Balance : {$600.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$68.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$67.00}
Product: Credit card

I've consistently made sure payments on this account are timely, preventing any overdue situations. I'm uncertain why there are reports of late payment remarks on my accounts. According to 15 USC 1666b - Billing Error, this should be rectified.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been a battle going through this and I am writing to delete the following fraudulent information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge nor accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged information showing on my credit report. I therefore request that you immediately remove these information from my credit report with your firm pursuant of the FCRA Section 605b. Please have the following items removed as soon as possible : XXXX XXXXXXXX XXXX XXXX XXXX, XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX, TX XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XXXX Balance {$0.00} XXXX XXXX Balance {$0.00} XXXX XXXX Balance {$0.00} XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance {$720.00} XXXX XXXX XXXX XXXX XXXX Balance {$1700.00} Bankruptcy XXXX XXXX XXXX Date Filed XX/XX/XXXX Reference # XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX Please comply with the Fair Credit Reporting Act section 605b, and have the disputed accounts and information removed from my creit File as soon as possible.
Product: Credit reporting or other personal consumer reports

This is my another Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which 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 relating to any transaction by the consumer. 
XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Money transfer, virtual currency, or money service

Gemini brokerage did not let me withdraw my deposit es d funds in the amount of {$20000.00}. According to their XXXX, it states that a redemption of your funds would take 5 business days at the most and yet its been two weeks and NOTHING!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Equifax several times that they are not correctly reporting several accounts. My XXXX XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX accounts are not being reported by Equifax even though these companies are sending them updated information monthly.
Product: Debt collection

A request of debt validation claim was sent to this company requesting XXXX, Assignments contract XXXX. ) Full detail list of payment history XXXX. Insurance claims found in this contract XXXX. ) Prove chain of title according to the contract per15 USC 1692G
Product: Mortgage

LoanCare , LLC services our mortgage. They have been notified twice by phone about a mortgage payment mailed via Certified Mail that has been sitting at the post office since XX/XX/2021 at XXXX XXXX  and is ready for pickup. 

During a second call to their Customer Service the person I talked with took the tracking number from me to follow up. 

This is the second consecutive time this has happened. They are refusing to pick up the Certified Letter containing our mortgage payment. 

We will be marked as late on XX/XX/2021 which will have a negative impact on our credit histories and scores. 

The Certified Letter will be returned on XX/XX/2021 if not picked up before that date.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute unauthorized inquiries made on my consumer report, which have been brought to my attention recently. These inquiries appear to be unauthorized and do not reflect any actions or requests initiated by me. 

Details of the unauthorized inquiries are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Inquiries made without a permissible purpose may be considered unauthorized under FCRA. 

I request that the Consumer Financial Protection Bureau ( CFPB ) initiate an investigation into this matter and provide me with a written response regarding the outcome of the investigation. Please inform me of the deletion of all inquiries listed above reporting across XXXX, XXXX, and Equifax. 

Additionally, I would like to request a copy of my current credit report from all three major credit reporting agenciesEquifax, XXXX, and XXXX of charge, as provided by the FCRA, to ensure that no further unauthorized inquiries or inaccuracies are present on my credit reports.
Product: Credit reporting or other personal consumer reports

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 XXXX XXXX XXXX XXXX, has violated my rights. 

I looked at my equifax credit report on XX/XX/XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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

Lexisnexis was asked to remove an automobile accident from my claims history that was reported to have occurred on XX/XX/2023. I DID NOT HAVE AN ACCIDENT ON THAT DATE. It is reporting on my XXXX XXXX which effects me applying for insurance or for the vehicle 's trade-in value. A fraudulent claim was reported to my policy. XXXX has agreed to have it removed from my claims history since they were the reported, however even after LexisNexis was provided with sufficient proof, they are refusing to remove it from my history.
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have taken immediate action by reporting the incident as I have become a victim of identity theft. It is crucial to address this matter promptly, given its detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.
Product: Prepaid card

I received a Prepaid Debit card in the mail with my name on it from a company called " NetSpend ''. The letter that came with it explained how to active it and the costs. I was very upset that the card was created with my name and put in the mail. Even though this card was " prepaid '' it had my name on it. Anyone who received it could have used it to establish credit in my name. I called the company to ask them to take me off the mailing list and how they got my name? An automated recording started and asked for the credit card number ( which I destroyed so I did n't know it ) or my SSN. How would they know my SSN? The call was then answered by a person. I asked the customer representative about it and he stated I was n't in the system. I asked him to remove me from their mailing list and make sure there is no account with my name on it. He stated I was n't in the system. If I was n't in the system how did I get issued a prepaid credit card? I asked to speak to a supervisor and waited over 10 minutes which the representative said was still busy and I should try to call back later. I am very concerned this could lead to identity theft. I still do not know if this company has an account with my name open or if it has removed me from the mailing list.
Product: Debt collection

After a detailed review of my recent credit report, I found multiple fraudulent accounts that I believe were added without my consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent over 4 different letters to Experian with my filed dispute. I haven't gotten any responses to the letters, only notifications that my dispute was completed. no relevant information nothing. they're basically ignoring me
Product: Credit reporting, credit repair services, or other personal consumer reports

two accounts ( XXXX AND XXXX XXXX ) accounts are reporting under my equifax credit resorting agency, these accounts are fraud accounts opened under my name, i have been disputing these two accounts for the longest times, the equifax representatives are not helpful at all, they are not disputing correctly or they do not even dispute at all. 
please you are my last hope in this regards.i will be attaching my police report which has both accounts mentioned. 
appreciate your help. 
thank you
Product: Payday loan, title loan, or personal loan

I have a secured loans with One Main. I have XXXX XXXX XXXX as collateral. The current one I have with them I have had since XX/XX/XXXX. I have always been on time until the last year or so but I may have gone 30 days once. One Main has called me 2 times today within an hour and at least 4 times a day since the first. I would understand if i was late multiple months but not 30 days and call 4 times a day.
Product: Debt collection

I have reached out to the company, asking them to verify and validate this debt. Only thing I received in XXXX was a bill I havent received anything else showing that this debt belongs to me. I am asking you to send me a contractual agreement between me and the creditor showing that I agreed upon with the creditor to pay this debt. Also, I am actually ask XXXX, you show me proof of validation of this death what you guys have not done so all you were doing is lying to the credit bureaus, and the customer financial protection bureau, which is wrong so I am asking you to show me proof of this death show me a contractual agreement show me everything that you have on his debt that shows that it belongs to me and that its valid also show me proof that you were license to even collect on this debt in the state of Florida also show me that the methods of verification you have taken to prove that this debt belongs to me darling steps have been taken, and all you were doing is responding to this matter say that you sent something that you did not send so my next step is to see you guys in court in which I am seeking an attorney to help with this matter because they seems like you guys have not done the proper steps according to the federal credit reporting act of 1971. Please respond to me with all these methods of verification. are these contractual agreements any kind agreement with my signature showing that I agreed to pay this creditor or I can wait in the contract with this creditor if any of those can not be provided I ask that you remove this off of my credit report ASAP or I will seek an attorney to do a canna soup against you, I need your license number showing as your license in the state of Florida I need everything show me that you guys are able to even collect but is that a first and foremost show me that this date is valid thank you have a nice day
Product: Credit reporting or other personal consumer reports

On XX/XX/year> a letter was sent for the credit bureau to validate certain debts within the allotted time frame, which is 30 days. The letters were sent certified mail and a return receipt was received on XX/XX/year>. It is now XX/XX/year> and I have not heard anything from the credit bureau.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

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

15 U.S.C 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 funish a account without my written instructions 15U.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: Vehicle loan or lease

I bought a XXXX XXXX XXXX for XXXX after everything included it came to XXXX. I gave a XXXX down payment. They did not work with me. I got behind due to COVID they still were piling interest charges and late fees. I voluntarily surrender the car now they are trying to get XXXX dollars out of me. Taking me to court and saying I also need to pay the court cost and fees. After I surrendered the car they still kept charging me until it was sold. They are now in a current lawsuit against them because of their corruptive behavior. I know I'm not the only one fighting this with these people.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Tennessee XXXX XXXX As much as a year ago Midland Credit Management ( MCM ) contacted me by telephone attempting to collect an amount owed in connection with XXXX XXXX/XXXX XXXX. During the call I denied the obligation as it was described to me and requested to receive documents regarding same by mail. 

On XX/XX/XXXX, I received a collection document from MCM ( account number XXXX ) identifying the purported creditor ( XXXX XXXX-XXXX XXXX ) the purported amount ( {$1700.00} ) and the debtor address ( XXXX XXXX XXXX XXXX, XXXX, PA, XXXX ). None of which I had anything to do with and all of which were news to me. This letter was sent to me at my current residence address XXXX XXXX XXXX, XXXX, Tennessee, XXXX and forwarded to me at a temporary address in New York. 

That same day, I responded to MCM ( letter attached ) categorically denying the obligation to be mine and requested MCM send me documents or other information upon which it was relying to falsely claim the obligation was mine. I have received none of the requested materials. 

On XX/XX/XXXX, I received a collection document from MCM offering to discount the amount owed if paid in full. That same day I responded to MCM ( letter attached ) repeating my denial and request for documents or other information supporting its false claim. 

On XX/XX/XXXX, I received collection document from MCM and none of the requested materials. That same day I responded to MCM ( letter attached ) repeating my denial and request for documents or other information supporting its false claim. 

Today, XX/XX/XXXX, I received a collection document from MCM and none of the requested materials. Today, XX/XX/XXXX, I responded to MCM ( letter attached ) repeating my denial and request for documents or other information supporting its false claim.
Product: Credit card or prepaid card

Navy Federal put in my account {$500.00} that was a dispute in XX/XX/2022 and then on XX/XX/2022 then decided to denial the fraud credit and put it on my account without any notice