23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

XXXX XXXXXXXX XXXX {$980.00} XXXX XXXX XXXX {$7100.00} XXXX XXXX {$7100.00} XXXX XXXX Bankruptcy # XXXX I wish to clarify that I have not file for bankruptcy, and to support this claim. The Clerk of Court confirmed they do not furnish information to any third-party including credit agencies. If any Credit Agencies states that they did not received my personal information from a secondary agency is a violation of the Fair Credit Reporting Act to report false information I have not supplied proof under the doctrine of estoppel by silence, Englehardt v Gravens XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, I presume that no proof of the alleged debt, in fact therefore any such debt, in fact therefore exists. 

According to the Consumer Law 15 US Code 1681 Section 602 ( A ) States I have a right to Privacy. 15 US Code 1681 US Section 602 ( A ) 2 A Consumer Agency can not furnish any data on my credit report without written instructions. 15 US Code 1681 C ( A ) ( 5 ) states no consumer reporting agency may make any consumer report containing any of the following items of information and any adverse items. 15 US Code 1681 S 2 A 1. A person shall 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 US Code 1681 I5 the consumer reporting agencies are supposed to modify accounts that aren't reporting accurately.
Product: Credit card or prepaid card

After filing first complaint. Received voicemail from Chase bank executive office stating that the bank sent out letter sometime around XX/XX/XXXXand did not receive response from me before the end of XX/XX/XXXX. So therefore my dispute became not valid and such. Not sure where exactly the mail sent out to and plus, Chase insists that I have received the package by just listening to merchant side of stories and carrier information that simply states that I have received the product. Did I mentioned it Chase online banking system only notified me with generic message stating there is update or saying they are working on my dispute, but never asked me to provide additional information and they disabled that feature from my online banking system simply because it seems like they don't want to deal with my issue. Does that sound fair to you? 

Purchased a product from online store and it was XXXX XXXX XXXX   and used Chase Marriott BONVoY credit card. Received package from the merchant. the inside seal was broken but not from the outside and some box inside package had a white substance in it. the package came with few other stuff, but XXXX XXXX was missing. Reached out to the merchant. No response or call, and reached out to Chase credit card service, they are just keep saying that this transaction is valid without considering going route with the customer protection against such a foul purchase. And Im getting charged for that transaction even though the XXXX XXXX was missing from that package. Reached out to Chase multiple times, I was not able to contact right people about the dispute and was not even able to make dispute process from online either as to it is keep saying that I need to contact # to reach out to them but they never respond or provide any answers. Provided document through fax, but still no phone call from the Chase
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2018 my account with XXXX acct XXXX, whom was my mortgage company was payed in full..i then wrote a complaint here regarding the incorrect report to XXXX, XXXX  and equifax XXXXegarding the listing of status of loan..in which at that time still listed the account as 120 late but with no past due and XXXX balance.. XXXX did correctly list the payed off account as paid in full with lates ..which is correct..but to this day on the XXXX and equifax account reporting it states : status of account. 120 late..in which is not correct..also the two are reporting just no past due..XXXX balance..
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX Account opened- XXXX XXXX XXXXXX/XX/XXXX Date reported- XX/XX/XXXX High credit - {$6400.00} Credit limit - {$5500.00} I wrote a dispute letter to Capital One Bank to remove this from my credit, because I was never approve for a Capital One Bank card.
Product: Mortgage

Since XX/XX/2015 Bank of America has refused to remove a XXXX  XXXX XXXX XXXX XXXX HELOC lien on my property. I had two similarly situated properties and the HELOC lien was properly satisfied on XXXX parcel, pursuant to a settlement with the US Federal Justice Department see : XXXX : XXXX. They promised to release the other HELOC and I submitted the documents they requested. They did not release it or provide a written reason for their refusal. They told me to call some XXXX # for a company I've never done business with and is not on my title. 

Bank of America has not only refused to provide the satisfaction, they have responded to letters from my lawyers by providing confidential credit card account statements for a " XXXX XXXX XXXX '' ( no relation ). Poor Mr. XXXX, Bank of America has update his credit card account to MY LAW FIRM 'S address?? Not once, but twice - after my lawyers expressly advised them of the error. This utterly is inexcusable! 

Bank of America 's inaction in removing the cloud on my title severely impairs my property rights. I have expended considerable financial resources to resolve this matter but XXXX XXXX to XXXX Bank of America, refuses to provide even the courtesy of a reply.
Product: Credit reporting or other personal consumer reports

The debt collector in question has been involved in prohibited practices outlined by the FDCPA, which include abusive, deceptive, and unfair actions. They provided information about an account I never agreed to or signed any agreement for. A legal contract requires the participation of both parties, but I was not involved. Furthermore, they failed to adhere to the proper five-step validation procedure, which constitutes unfair practices. As stated by the FDCPA, I am entitled to compensation of {$1000.00} per violation, and their actions have evidently violated my rights. Also, XXXX XXXX has the debt, not the XXXX XXXX XXXX
Product: Credit reporting

Experian purchased a fraudulent contract from Attorney XXXX XXXX XXXX. The XXXX XXXX XXXX firm has absolutely no proof that they have rendered any service amounting to that amount. I paid them a small amount for a 30 day eviction notice. That is the only service that they performed for me. All anyone has to do is contact the XXXX XXXX XXXX firm and ask them for any documentation supporting their claims. Experian did not do that. Experian tells me that they are not required to check the validity of claims.
Product: Credit reporting or other personal consumer reports

XXXX has broke The FCRA a numerous amount of times. The agents has lied a number of times saying they did not receive paper I submitted. I requested that the remove late payment from first premiere account on XX/XX/year>. XXXX is not reporting accurate information on my consumer report.
Product: Payday loan

I got a XXXX loan with XXXX pay off. called before lone due let them know due to fraud my bank account was closed and I was waiting for new card. got new card called in and was told I was in collections and now owed over XXXX being told my employer will be called and I will be arrested if I do not pay XXXX. 
This is the person harassing me : Note : To make the payment you would have to call or text our number XXXX or email us on XXXXXXXXXXXX Attorney XXXX XXXX, XXXX XXXX XXXX, XXXX ( XXXX ) XXXXXXXXXXXX
Product: Credit card or prepaid card

I noticed several unauthorized charges on my account that began on XX/XX/2018. I filed dispute with card company, but am being given the run around.
Product: Money transfer, virtual currency, or money service

I am writing to formally file a complaint regarding Coinbases withholding of my funds, totaling {$24000.00}, since XX/XX/year>. Despite being a long-time Coinbase customer with a verified account and engaging in only legitimate business activities, I have been provided with no timeline, explanation, or assurance as to when I will be able to access my own funds. 

On XX/XX/year>, I attempted to withdraw {$24000.00}, which was immediately flagged by Coinbase and placed under a " review '' process. I was assigned a case number of XXXX, but the only information I received was that my account is under review. No details have been provided about the reason for this hold or any expected timeline for resolution, which leaves me with significant financial uncertainty. 

This delay is causing severe financial strain, as I have credit card bills due soon, and any delay in paying these bills will result in financial loss from late fees and interest charges. My funds have been held without any clarity or explanation, and Coinbase 's silence on this matter is unacceptable for a platform that advertises itself as reliable and customer-centric. 

I urge you to prioritize this case and release my funds immediately. I am more than willing to provide any additional information required to facilitate the review process, but withholding my funds without transparency or a clear path to resolution is both stressful and financially damaging. 

I kindly request an immediate resolution to this matter. I look forward to your prompt response and the release of my funds.
Product: Payday loan, title loan, or personal loan

7 loan payoffs were mailed on XX/XX/XXXX to 4 separate institutions. Three to XXXX XXXX, 1 to XXXX, 1 to XXXX, and 2 to Lending Club. 5 of the 7 checks cleared by XX/XX/XXXX. As of today, XX/XX/XXXX, Lending Club has no record of these checks. the loan payoff amount was given for 14 days out. I am of the firm belief they are holding the checks for addional interest.
Product: Credit reporting, credit repair services, 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 U.S.C. 1681. XXXX XXXX XXXX XXXX Account # XXXX has violated my rights. 
U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting can not furnish an account without my written instructions.

15 U.S.C. 1681c. ( a ) ( 5 ) Section states : no consumer reporting agency may make any reports any of the following items of information other than records of convictions of crimes which antedates the reports 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 persons knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX3/24,XX/XX/XXXX/24, XXXX/XXXX/24 I submitted multiple formal disputes to ChexSystems regarding inaccurate and unauthorized information on my consumer report. Specifically, the information pertains to a fraudulent account linked to XX/XX/XXXXXXXX that was opened without my consent, as I am a documented victim of identity theft. 

To support my dispute, I provided ChexSystems with the following documentation : A copy of my government-issued ID ( drivers license ). 
A copy of the police report I filed regarding the identity theft ( Report # : XXXX XXXX ). 
Relevant communication showing the fraudulent nature of the account. 
Despite submitting all required evidence, ChexSystems dismissed my dispute as " frivolous or irrelevant '' and failed to conduct a proper reinvestigation, as required under the Fair Credit Reporting Act ( FCRA ). Their response claimed that a prior investigation had already been completed and that no further action was necessary. 

This response is unacceptable, as it disregards the clear evidence I provided and violates the FCRA 's requirement to verify disputed information or remove unverifiable data. ChexSystems has failed to meet its obligations to investigate thoroughly, leaving fraudulent information on my report that continues to harm me. 

I demand that ChexSystems : Conduct a proper investigation of the fraudulent account. 
Remove the inaccurate information from my consumer report. 
Provide a detailed explanation of their reinvestigation process. 
Failure to address these issues leaves me with no choice but to escalate this complaint and take legal action. Other consumer reporting agencies like XXXX and XXXX have faced similar scrutiny for failing to address disputes properly, and this case highlights the same systemic issues at ChexSystems.
Product: Credit reporting, credit repair services, or other personal consumer reports

Just made a payment of {$350.0 0} to Discover car d the other day.     The amount has been recorded to my account as shown. However that new lower amount due is not showing on my credit report leaving me with a higher, older balance due, larger credit utilization and as such when I pull my FICO score, a lower score. Because I would like to move into another home and become pre-approved, as soon as possible, my chances of the best terms have been and are being impaired do to the latency of the automated system update cycle. I am requesting a forced manual update of my balance to the credit bureaus by validation method as per procedure in FCRA section 623.
Product: Credit reporting or other personal consumer reports

Kindly eliminate these inquiries. I lack any relevant information, and the company initiated them without my permission.
Product: Credit card

On XX/XX/year> I received a notification from Citibank asking me if I authorized a charge for {$450.00} at XXXX 's on my XXXX card. I replied to let them know that this was not my charge and they said they would have to cancel the card and send me a new card. However, the charge is still showing up on my account and they have denied my dispute. I have called Citibank XXXX XXXX and have been told they would reopen the dispute and look at the information again, but nothing has happened and the charge is still on my account. I have never used my Citibank XXXX card anyplace other than XXXX.
Product: Credit reporting or other personal consumer reports

[ XXXX XXXX ] [ XXXX XXXX XXXX XXXX ] [ XXXX XXXX, XXXX [ XXXX XXXX ] [ Equifax XXXX XXXX XXXX  XXXX [ XXXX XXXX XXXX, XXXX XXXX GA XXXX ] [ Account Number XXXX ] I am writing to formally dispute the following account reported on my credit report : Creditor Name : XXXXXXXX XXXX  Date Listed : [ XXXX XXXX ] Under 15 USC 1681b ( 2 ) of the Fair Credit Reporting Act ( FCRA ), I request that you provide documentation showing I authorized the reporting of this charge-off. In addition, under FDCPA Regulation 1006.30 ( a ), I request validation of this debt, including proof of legal assignment, transfer, or sale of the account. If this account can not be verified and validated with supporting documentation, I request that it be removed from my credit report immediately as required by federal law. Please respond to this request within 30 days of receipt. If you can not provide proper validation, I expect this account to be deleted without delay. Thank you for your attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Oportun/XXXX  is not helping me. A credit card was fraudulently opened in my name and I now discovered my step fathers phone number was used. Opportun has not called me like they keep saying they will. They havent emailed me. I havent received their Identity theft/fraud packet in the mail like they told me so I can mail my police report and my step dads since we both had our identity exposed ( my name, his phone number ). Oportun said no one called from my step dads number to say the account was fraud. Well thats because we didnt open the account and had no idea it existed. We never received any calls from opportun or mail from them. I found out about the account in XXXX by viewing my credit report and I reached out immediately about identity theft.
Product: Credit reporting or other personal consumer reports

I contacted US Bank multiple times to rectify the situation. I called the regular number, XXXX, and XXXX. I get transferred more than 5 times. Every department I'm transferred to say they can not help me. The information on my credit report do not belong to me and they are steady reporting it is accurate and true. However, when I call they can not find the debit in the system or even find my name in the system. This is stopping me from opening bank accounts, applying for cars, homes and more.
Product: Credit reporting or other personal consumer reports

As a Veteran, I applied for a new VA mortgage with legitimate lending providers including XXXX XXXXXXXX XXXX and XXXX. Immediately following these institutions running my credit score I have been bombarded with predatory loan providers who clearly have all my information trying to sell me their mortgage. None leave messages and keep calling, I find it harassing and I believe it should be illegal for credit report agencies to violate my privacy by providing my information to lenders other than the institutions I authorized. If you ask me, the very agency that is supposed to protect my credit information, and protect my identity is the very source of potential identity fraud with these kinds of practices. When I contacted my financial institutions about what is happening I was told this is the practice of Equifax. After discovering these kinds of practices, I would never do business with Equifax, but that choice is stripped away from me with the current financial systems in the U.S. that force me to use a company that allows predatory lenders access to my information unless I first contact them or have a freeze placed on my account, but to get my mortgage I can't have a freeze. I have contacted Equifax about their practices and requested that they do not share my information with unsolicited lenders but this has not stopped the calls from the numerous agencies that they already contacted with my information. It should, in my opinion, be illegal for anyone, bank or otherwise, to be notified when I apply for a loan, or credit card, or anything, besides the companies I am directly working with. Anything else is a violation of my privacy and proves these credit monitoring companies are unethical and do not know the meaning of confidentiality. Additionally, they are encouraging and enabling predatory practices that are violating and hurting U.S. consumers. How will you protect my privacy? How will you protect me from these predatory agencies trying to take advantage of veterans and citizens?
Product: Credit card

I applied for a card with Citi/Aadvantage Card XX/XX/year>. It was approved. I never received the card. The name on the card is not mine so they will not talk to me. The address is not mine. They said they would text me a code to the phone number on file. I never received that so I am assuming everything is wrong but my social security number. 
They told me today someone is using the card. I can not shut it down because I can not access anything. 

I have ask for the fraud department and I get passed from person to person until I hang up.
Product: Credit reporting or other personal consumer reports

This is my numerous request to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

The UNNAPPROVED weekly charges added by XXXX SHORTLY AFTER I XXXX XXXX ; AND MORE ADDED IN XX/XX/XXXX caused a banking balance system trip. THIS IS A COMMON OCCURENCE, THE WEEKLY RECURRING SUBSCRIPTION CHARGE IS A 'BURNER ' TO BANKING ACCOUNTS. THE SOFTWARE I SIGNED UP FOR WAS ONLY FOR A WEEK TRIAL. I HAD AUTORENEW, BLOCKED ON MY ACCOUNT, AS SEEN IN SIMILAR SUBSCRIPTION TRIALS AT XXXX. PEOPLE ALSO ran hotel fees and caused BALANCE reporting delays. Ultimately, the recurring weekly fees stopped the system as they misreported the account. THEY THEN CLOSED MY ACCOUNT WITHOUT ALLOWING DISPUTE CORRECTIONS. THESE ACTS CAN BE TRACED TO THE INDIVIDUALS INVOLVED. 
THERE ARE incorrect/3rd party notifications and, incorrect balance ; leading to charge decline s at POS. I am always aware of my actual balance. There is a wire transfer from XXXX XXXX XXXX for {$10000.00} confirmation XXXX XXXX XXXX ACCT XXXX I have not received this transfer. There are many XXXX refunds. Total ing {$4000.00}. I have confirmation of these refunds ; but ; they were not reported. I have XXXX in my account in XXXX. I know incorrect reporting has caused my entire balance to be inaccurate. Also a refund from XXXX XXXX for {$3200.00} was not reported. I have email confirmation of all refunds and the wire transfer. They were never reflected on my Wells Fargo account. Please insure my deposits. My account number : routing : XXXX account : XXXX Thank You, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I HAVE A PDF DOWNLOADED FILE OF THE ENTIRE BANK STATEMENT. IT SHOWS RECURRING CHARGES ON ALMOST EVERY LINE. I DID NOT AUTHORIZE THESE. unauthorized people WERE USING MY FUNDS THE ENTIRE TIME. NOTE, THERE FOOD CHARGES FROM THE START IN XX/XX/XXXX ; I DID NOT EAT AT THESE PLACES ; NORE WOULD I SPEND {$190.00} AT A XXXX. THERE IS A {$3000.00} SMOKING FEE. THEY BLATANTLY MISREPORTED TOTAL BALANCE. XXXX PARKING ATTENDANTS ALSO INVOLVED. 
I HAVE HAD {$55000.00} STOLEN SINCE XX/XX/XXXX. {$32000.00} SHOULD BE MY BALANCE. BUT EVERY CHARGE WAS MANIPULATED. I AM PULLING THE STATEMENTS FROM XXXX ON. AND MY XXXX EARNINGS DEPOSIT AFTER I WAS LAID OFF IN XXXX. THAT WAS DONE BY THE SAME. I PAID ALL OF MY BILLS FORWARD WITH IT. MY CREDIT WAS BACK TO XXXX BEFORE THEY BEGAN BLOCKING ALL OF MY INCOME SOURCES .THIA WILL ALL BE RESTORED WITH AUTOMATION. IT IS IMPORTANT TO CHECK YOUR ONLINE STATEMENTS REGULARLY.