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

This is regards to a filed fraud XXXX payment of XXXX $ I do not have any recollection of. This payment was made to a romell bell who I have no idea who that is. I tried to file a fraud claim with chase bank. Payment was sent in XX/XX/2023 to romell bell for {$800.00}. I then saw the payment I didnt make or was familiar with few days later and filed a claim immediately on XX/XX/2023. The bank then gave me temp credit back for the XXXX $ investigated claim and denied me and will be taking the XXXX $ back XX/XX/2023. I tried to works with them explaining my situation and still denied me and when I asked to redisoute I was denied and told I can fax or mail proof and I asked what proof can I send which is hard for a XXXX payment they said anything wont wouldnt sure my approval or help. Which is frustrating to get as Ive tried to figure out many things for proof but I dont know what would have sufficed. I tried working really hard with chase but still denied me and was met with rude service overall and got snippy with me when asking question and what I can do with the claim denial. This is horrible for a consumer like me trying to make ends meet in day to day life and if a bank cant protect me or my funds in these situations. I was denied because they show it was made via mobile chase mobile and had Face ID log in and I made sure to let them know that I had a jailbroken phone so I didnt require passwords. So a Face ID could have been easily made as my device did not at the time require passcodes and I did not make the transaction. I tried to negotiate about what I can do and all I get told was theres nothing further and claim is denied and now Im out XXXX $ I did not make to a XXXX XXXX. I even research that name and everything to see if family or friends knew of that name. Again I tried to ask who this romell bell was but they couldnt tell me or know any info on them. All i want is to have my XXXX $ back and safe and sound. I have taken further precautions and measures to not have this happen ever again as no one will have access to my device but me, I have removed my jailbreak on my phone so its no longer hacked and have secured codes on all devices and phones, as well as even chance my username and passcodes for chase and made complicated pass codes that will be hard go bypass. I even explained this with chase bank and yet there was no much more consideration or anything and I am at a loss and did not have any compromise or further consideration regarding my delicate situation. I do suffer from bad medical diagnosed XXXX and XXXX XXXX  and XXXX and this stressful fraudulent situation has not helped in the slightest and only for chase bank to make things worse and not helpful in the slightest denying my claim. So here I am trying to seek further help and try to get this claim situation and my XXXX $ protected and back to me.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of inquiries below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
I told XXXX, Transunion, and XXXX to reinvestigate these inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX However XXXX they stated that everything was completed and accurate. But how is that possible if the open date, date of last activity, and much more are incorrect? According to 15 USC 1681i ( 5 ), they are supposed to modify what isnt reporting correctly.

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 an 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 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

Could you please take a moment to review and examine the attached documents? I belie ve your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Product: Credit reporting or other personal consumer reports

This is my several endeavors 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 : {$3700.00} XXXX  XXXX XXXX Balance : {$3700.00} XXXX  XXXX XXXX Balance : {$2600.00} XXXX XXXX  XXXX XXXX XXXX : {$5300.00} XXXX XXXX XXXX : {$1200.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

My Experian credit file shows an unpaid collection account from " XXXX XXXX XXXX '' in the amount of {$380.00}. The original creditor was XXXX XXXX. 

XXXX XXXX requested this entire Trade Line be deleted from both Experian and XXXX XXXX last year. The reason being that XXXX took the account back and it was handled internally thru an entity called XXXX. I paid the account IN FULL to CXXXX with the understanding the account owner XXXX XXXX XXXX would not list it as a collection and it hasn't been ; before that happened XXXX XXXX ceased having account in its portfolio because it went back to XXXX and they requested XXXX  deletion in XX/XX/2019. 

The XXXX XXXX trade line was DELETED XXXX XXXX however Experian continues to list it on my file as a collection and even worse, unpaid account. I filed a formal dispute with Experian ( Experian Dispute report number is XXXX ) and submitted documentation to show that this account had been paid in full to XXXX directly along with correspondence from XXXX. In the dispute report I also stated XXXX XXXX is no longer the owner/reporter of the account. 

The Experian Dispute report number XXXX returned as VERIFIED and UNPAID, even with my supporting documentation -- receipt showing paid in full to XXXX and Correspondence from XXXX. I contacted XXXX XXXX today after the Experian results came in and manager XXXX XXXX CONIRMED they submitted a TRADE LINE DELETION request last year, XXXX 2019. He told me he would escalate the matter to his own supervisor, XXXX XXXX and agrees XXXX should have been deleted from both Experian and XXXX as they no longer hold this account in their portfolio.
Product: Credit reporting, credit repair services, or other personal consumer reports

Conns Appliances Inc, XX/XX/2017, amount XXXX 
I have submitted several letters justifying the final payment was already paid years ago. I also was told the rep that accepted my final payment during the time was no longer with the company and incorrectly submitted my final payment on someone else account. It was a new rep and it would have been resolved. I had never been late.
Product: Debt collection

I recently had repossession of my vehicle, The vehicle was under mine and my wife 's name. I went through a divorce. Never spoke to her. She had the car for 2 years without making a payment..capital one never contacted me ..until a a couple of months ago. When the repo man came to the door.. he was looking for the truck and told him my ex wife has the truck. I ended up getting the truck back and called capital one and told them what had happened. The rep said that if I can pay on it for 12 months that I would get the title and the car paid off. I was happy to work out the plan because it seemed very nice for them to work with me and understood my situation. After paying on the car for 4 months on time..they repo ed the car and told me that I would need to pay the whole balance to get the car back ... I think this was hugely miscommunication with me.. now I have a repossion on my My credit report. And trying to buy another car is very tough. I felt I was done very wrong and violated numerous laws.. please help! Thanks
Product: Mortgage

My house is currently being foreclosed on and I 'm being sued by Arvest Bank. All payments and conditions of my mortgage are current and kept up to date ( i.e. mortgage payments, insurance, hazardous insurance, state and locale tax 's ). I have all my records concerning the payments, tax 's, and insurance ( which are all current ). I have been in contact with Arvest 's attorney but to no avail. Arvest insists I 've made no payment for the last 7 months. Although, I have sent Arvest 's attorney a copy of my cancelled checks but Arvest continues to insist no payment have been made but they still continue to accept my monthly payments. My credit has been devastated by all of Arvest Bank allegations ( from high XXXX XXXX 's to low XXXX 's ). I am XXXX, living on a fixed income and currently attempting to find the money to get an attorney but it 's all so dishonest!
Product: Checking or savings account

US Bank reached out with a resolution. However, their letter states to speak to the branch manager which I have done several times. He suggested to wait longer and it has now been twXXXX months. Now, he is asking for me to provide invoices for deposited checks so they can be " verified ''. These requested checks have been deposited in the account for over a year and there have been multiple checks prior from the same companies over the span of the account being open. When the account was closed, I was told several times that I would have a check sent within a certain amount of days. During this time, a " verification '' process was never discussed as a condition of releasing my funds. As time went on, the time frames for the check increased. With this sudden request with lack of explanation or reason, I do not feel obligated to give them invoices.
Product: Checking or savings account

I sent in a claim with the bank. And they denied me and said I have to deal with the merchant. The merchant is a fraudulent land lord. I was living with homeless people while in the one paying rent. Homeless people would wander the halls and find a corner to sleep in every night. Dont ever deal with XXXX
Product: Money transfer, virtual currency, or money service

Commencing on or about XX/XX/year>, I fell victim to multi-layered scam operation run by XXXX XXXX which involved me making deposits for a total amount of XXXX USD from my BOA account to fraudulent investment firm ( XXXX ).
Product: Money transfer, virtual currency, or money service

I used citi bank online pay to make a payment to my pnc bank on XX/XX/20. I used my XXXX checking account as the merchant. As of XX/XX/20, XXXX has not received the funds and citi bank is saying the transaction has been cleared and the money should have been received by XXXX. I provided XXXX the reference # and they still have no record of it and there is no evidence of this money in my account. 
Citi bank is refusing to do dispute and I am not a happy customer. 
Thx
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' Equifax, XXXX, and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' XXXX XXXX XXXX XXXX XXXX XXXX  are financial institutions by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' XXXX XXXX XXXX XXXX XXXX XXXX, the financial institutions and the Consumer reporting agencies Equifax, XXXX, and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, Equifax, XXXX, and XXXX XXXX XXXX XXXX XXXX XXXX  whether it be verbal, non-verbal, written, implied or otherwise is revoked. XXXX XXXX XXXX ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' XXXX XXXX XXXX XXXX XXXX XXXX never informed me of my right to exercise my nondisclosure option. Not only that but it states in 15 USC 1681C ( a ) ( 5 ) " Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. Equifax, XXXX, and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Credit reporting or other personal consumer reports

In XX/XX/XXXX, XXXX XXXX XXXX and their financial lender, Firstmark, incorrectly sent my private student loan into collections due to their own negligence. At the fault of these companies, my private student loan was sent to a collections agency and created a path of delinquent credit reports for me ever since then. My account was then noted as a charge-off for almost a year until these companies realized their own errors. The only action they took was seeking the loan back, so that they may continue collecting money. However, this resulted in my credit score plummeting. I have contacted these companies many times with no resolutions. Their customer service from the start was horrible, as they delayed communication and even neglected to give me my own personal account information. The best part is that this whole time, I was in school full-time and my account had been placed in forbearance ( since roughly XXXX ). Still to this day, my report is inaccurate. They have inaccurately reported false missed payments, as I never needed to make payments in forbearance. I only have 2 loans through these companies, yet they inaccurately have reported 2 accounts each ( totaling 4 accounts on my report ), which has negatively impacted my credit. They refuse to fix anything on my reporting, I have even gone through several disputes with XXXX ( which is just as bad as catching faulty, inaccurate reports even when spelled out for them ) and XXXX to resolve these issues, yet my credit score happens to be the only thing suffering because of negligence on behalf of all these major corporations.
Product: Credit card

I am filing a complaint on american express because they are giving me an issue in getting my social security updated. I have faxed them on several occasions a copy of my id and social security card and they are claiming that the fax is coming to dark. I have lightened up the card on several occasions and they continue to give me excuses.
Product: Credit reporting or other personal consumer reports

I disputed some inquiries on my Equifax credit report that were fraudulent. Equifax sent me 2 letters in the mail Confirmation # XXXX and Confirmation # XXXX confirming they were deleted everyday I check my credit report and they're still there. 

I've attached the confirmation below and noticed that the credit report is dated for today XX/XX/24 and the inquiries are still there.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'M DONE ASKING NICELY. I'VE SENT YOU NUMEROUS LETTERS INFORMING THERE IS INACCURATE, ERRONEOUS & UNVERIFIABLE INFORMATION ON MY CREDIT REPORT. You are required under the FCRA to have a copies of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian, XXXX, and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first XXXX digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Experian, XXXX, and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( XXXX ), before the end of the XXXX-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. 

In the results of your numerous investigations and subsequent reinvestigations, you stated in writing that you verified that these items are being reported correctly? I'VE ASKED YOU " WHO VERIFIED THESE ACCOUNTS? You have NOT provided me a copy of ANY original documentation, OR COPIES FOR THAT MATTER, as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly UPDATE all information which can not be verified. 


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

It is my understanding that during the process of working with your mortgage company to find an equitable solution to making monthly payments, my account should be on " inactive status '' and/or do not report missed payments. XX/XX/XXXX, XX/XX/XXXX through XX/XX/XXXX the mortgage company XXXX reported missed payments. From XX/XX/XXXX through XX/XX/XXXX I was working with the mortgage company to find and equitable solution to assist in making my monthly payments. I was initially approved for forbearance program until they deemed me ineligible. I attempted several times to have my loan refinanced and/or modified but was unsuccessful. I was placed in foreclosure proceedings and attempted to have a HUD approved nonprofit organization ( The XXXX XXXX ) find solutions to keep me from foreclosure. During the foreclosure mediation, the mortgage company 's attorney, XXXX XXXX representative and I reached an agreement to have the outstanding balance paid by a HUD approved program. This never occurred because of non communication between mortgage company attorney and HUD XXXX XXXX. Because of this lack of communication, the mortgage continued to go unpaid and accrue more late fees and attorneys fees. I was eventually approved for a loan modification in XXXX of XXXX, the total ( {$26000.00} ) amount of missed principal, interest, late fees and attorneys fees were added to the back end of the mortgage, interest rate increased, terms extended back to 30 years which increased my monthly payment by {$240.00}. 

As a result of this entire experience my credit scores have been severely impacted coupled with the unnecessary stress during major life threatening medical treatments.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am very concerned about the validity and accuracy of the recent investigation done by Experian. I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility. Experian failed to give me the result of their investigation. I assume they were unable to verify it. The error has affected my credit score tremendously. CFPB please step up and delete this ASAP, this is very exhausting, nobody wants to grant me a loan because of this. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX XXXX/XXXX XXXX XXXX XXXX XXXX Chapter XXXX Bankruptcy