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

XXXXXXXX XXXX XXXX  is my name and this is not a third party filing this complaint. I have attached several inaccurate/ incomplete accounts for your review. These inaccurate reporting are costing me grave financial woes. I would greatly appreciate if you remove them.
Product: Mortgage

Due to XXXX deaths in the family and a personal hardship caused by my wife 's car accident which has caused a decrease in our family 's income and my recent XXXX out of the XXXX XXXX XXXX, we have temporary falling behind on our mortgage. My wife and I have been dealing in good faith with wells fargo and providing all requested documents in a timely manner. We have been most diligent in following up with Wells fargo to check the status of our loan modification application and we feel that wells fargo has not been cooperating with us as we look to achieve a mutually beneficial resolution. Our goal is to keep our loan obligation and secure a mutually agreeable loan modification solution. So that my wife and I can continue to raise our XXXX sons in our home. We appreciate the opportunity to work together with wells fargo so that both they and my family can benefit. I 've faithfully served in the XXXX for ten and half years and I would greatly appreciate wells fargo cooperated with me as we are now coming out of this hardship and looking to get back on track with our mortgage payments. I 'm currently working at XXXX XXXX as a fright XXXX and my wife is nearing the completion of XXXX and will be returning to work very soon. Once again, we are just looking for some corporation from wells fargo to cancel the sale date of XX/XX/2015 so that we can secure a loan modification and stay in our home.
Product: Debt collection

ATG credit is on my credit report but they wont verify the debt, they claimed to have sent me something in the mail verifying the debt not once but TWICE and I have yet to receive anything.
Product: Checking or savings account

XXXX XX/XX/2024 I have approximately USD XXXX in my Marcus by Goldman account. 

I attempted to withdraw XXXX from the account. I have an immediate need for this money. 

I was locked out of the account. 

I called the helpline. The helpline attempted to verify my identity with a series of questions and then a pin sent to my mobile. I gave the last 4 digits of my SSN, my birthday and a secret word. I confirmed that the mobile number they had on file was my mobile number. They were unable to confirm my identity because I did not receive the pin. I was told I could call back to try again.

I tried to called again but was told my case is under review. They did not provide an alternate means to confirm my identity. They did not provide any more information. 

XXXX. There are no physical branches where I can confirm my identity and no other means by which they could confirm my identity ( e.g. documents like my passport, sending XXXX through the Marcus app, XXXX through email ). XXXX. There is no email for me to send an official request. XXXX. There is no platform where I can see the status of my request. 

The representatives I talk to are XXXX, XXXX and XXXX. All were unable to provide satisfactory service.
Product: Checking or savings account

I opened a dispute with XXXX for a transaction in the amount of {$670.00} with claim number XXXX. The claim was opened on XX/XX/XXXX. In XX/XX/XXXX I was sent a notice from chase that the found the transaction was processed properly and that the would remove the credit from my account. 

The item was delivered to my address however it was a signature required package and the driver left the package and fraudulently said I signed. I was not home at the time of delivery and neither was anyone else. 

I contacted the merchant and they refused to refund it stating they had proof of delivery. I explained what happened and that I had video footage showing it was left without anyone signing or interacting with the driver. 

After contacting XXXX to reopen the claim on XX/XX/XXXX I was told I couldnt open the claim again initially. The agent then said I could reopen it online after I pushed back. I tried and it wont let me reopen the claim nor provide addition evidence.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the following information that your company supplied to [ EXPERIAN, XXXX, XXXX. I have listed the items I dispute on the This item hard inquires from XXXX  XXXX XXXX XXXX XXXX is inaccurate because MY NAME IS INACCURATE AND HARD INQUIRES WHERE UNAUTHORIZED. I am requesting that XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX have the item removed and accounts removed from my credit profile immediately Delete hard inquiries - XXXX XXXX XXXX XXXX XXXX Delete inaccurate account - XXXX XXXX XXXX Delete inaccurate account - XXXX XXXX XXXX Delete inaccurate account - XXXX XXXX Delete inaccurate account - XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This inaccurate entry on my report is illegally reporting and does not belong to me. Equifax is not providing any identifiable information on who this company is nor are they providing any contact information so that I may attempt to communicate with the company to dispute the inaccuracies of these 4 entries. REMOVE THESE ENTRIES IMMEDIATELY AS EQUIFAX IS VIOLATING MY CONSUMER RIGHTS. I have no recollection of ever owing these alleged debts. If Equifax were following the mandates of the FCRA and ACA, then the company would be identifiable and the company would be able to provide proof of all HIPPA information whereby I gave the alleged medical company permission to allegedly share my information with the collection company as well as copies of their adherance to the Affordable Care Act where there was a screening performed as well as a clear summary that spells out the financial assistance/charity care options available if I am indeed responsible for this debt. Further, where are the copies of the letter this company should have sent in writing first, to advise me that they were turning over this alleged debt to the a collection agency. Also per ACA, once the collection agency, in this case, they are unknown, received the debt, they were still responsible for providing billing information and payment plan options to help satisfy this alleged debt as well as provide a dunning letter to me informing me that they were attempting to collect a debt on behalf of whoever the original company/creditors. To date, I have received nothing.

DELETE THESE ERRONEOUS, INACCURATE, UNVERIFIABLE ENTRIES IMMEDIATELY!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX  Account # : XXXX XXXX XXXX XXXX  Account # XXXX XXXX, has violated my rights. 

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

I filed a complaint yesterday against JP Morgan Chase Bank, N.A., ( CCC ) - CFPB complaint number XXXX. Since yesterday, CCC has emailed me from a NO REPLAY address. CCC then emailed me from their Executive Offices with an independently verified dead link asking that I sign in to your account knowing full well I have never had an on-line account with CCC. Last night I did receive a voice mail dated Monday, XX/XX/XXXX from a XXXX at ( XXXX ) XXXX, ext. XXXX. I called her back yesterday, XX/XX/XXXX and left her a recorded voice mail response despite the phone queue stating the extension was not valid. The reason I could not call back before yesterday is that my SON WAS XXXX WITH XXXX on XX/XX/XXXX and Im at the XXXX XXXXXXXX XXXX XXXX XXXX every Monday for my sons XXXX!!! All of this is adding unspeakable emotional distress to that which I live with every day, not to mention countless hours of lost time. Again, CCC is still not available to speak with me and otherwise avoiding speaking with me. When I have to collect against my studio clients, ( and Ive had to engage collections Law Firms against XXXX, for example ), I show them the business ethics of extending every possible verbal request, literally hand delivering the invoices and every possible effort in addition. Under supervision and regulations : under current Federal Reserve Board Policy, JP Morgan Chase is expected to act as a source of financial strength to its bank subsidiaries and to commit resources to support the bank subsidiaries in circumstance where it might not do so absent such policy. However, because GLBA provides for functional regulation of financial holding company activities by various regulators., XXXX page three, bottom right. This is CCCs own commitment to the SEC. Why did CCCs subsidiary ( or CCC ) NOT hold to this commitment here? I want to know what entity I faxed my disputes to from the CCC Branch, their EIN number ( s ) and their physical addresses, ALL OF THEM. I already have JPMorgan Chase & Companys EIN number,XXXX ; its a start. The CFPB askes in its intake what category best describes the complaint offering 1 ) Investigation took more than 30 days, 2 ) Was not notified of investigation status or results, 3 ) Their investigation did not fix an error on your report, 4 ) Difficulty submitting a dispute or getting information about a dispute over the phone, 5 ) Problem with personal statement of dispute. ALL APPLY HERE!
Product: Student loan

My loans were discharged through the XXXX program. The loans were transferred to MOHELA because they became the servicer of all XXXX loans in XXXX. 

My loan was discharged under XXXX with XXXX payments as of XX/XX/XXXX. I was notified of the discharge on XX/XX/XXXX. I made 23 payments after XX/XX/XXXX. I have not been refunded these payments. I made these payments to XXXX XXXX XXXX XXXX but these consolidated loans were transferred to Mohela as the new servicer and they claim because I never made any payments to them, they have nothing to refund. I talked to the ombuds who sent me to XXXX. I complained twice to them with this specifc information and they just said " your loans have been discharged '' I paid 23 payments of approximately {$10000.00} over the XXXX required by the law and am owed a refund that has been lost by the servicer ( MOHELA ) not acknowledged by the prior servicers ( XXXX XXXX XXXX XXXX ) and is being ignored by the federal agency.
Product: Debt collection

I had been making payments for two years on my car. I had a XXXX and was hospitalized. I became 3 months behind. My wife got a job because I became XXXX. All other creditors worked with me wonderfully. Ended up with XXXX I spoke with this company all the time. They always gave vague answers, I was threatened by XXXX XXXX, lied to, my contradicting emails. The impersonated the State of Florida Circuit and Civil court, they made up a fake case number for A state of Florida court. All while I was trying to get a straight answer on " if I make one payment, will you make some arrangements with me? '' There answer was always make the payment and well see, knowing they were already trying to repossess the car. I am also contacting state attorney about the fake written notice from the court that was hung on my front gate.
Product: Credit reporting or other personal consumer reports

in accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX XXXX/XXXX, XXXX XXXX 
XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX 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 then records of convictions of crimes which antedates the reports by more then 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: Debt collection

NOTICE OF IDENTITY THEFT AND CONSUMER FRAUD PURSUANT TO VIOLATIONS OF 720 ILCS 5/16-30 ( a ) and 815 ILCS 505/1 ET SEQ NOTICE TO AGENT IS NOTICE TO PRINCIPAL, NOTICE TO PRINCIPAL IS NOTICE TO AGENT Re : XXXX XXXX XXXX UNAUTHORIZED USEAGE OF PRIVATE IDENTIFYING INFORMATION BELONGING TO XXXX XXXX Addressing : XXXX XXXX XXXX XXXX XXXX This letter is being sent in reference to any and all accounts and resulting files created and maintained by XXXX XXXX XXXX whereby private identifying information belonging exclusively to XXXX XXXX has been or is currently being used for commercial purposes and transactions without the expressed written consent of XXXX XXXX XXXX in violation of XXXXXXXX XXXX XXXXXXXX ( a ) and XXXXXXXX XXXX XXXX XXXX XXXX 
( identity theft and consumer fraud ) Pursuant to XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX any other responsible agent of XXXX XXXX XXXX must produce or facilitate the viewing of an original contract signed in blue, wet ink by the legal representative of XXXX XXXX XXXX a living flesh and blood agent of XXXX XXXX XXXX and a non-interested third party as witness to said contract that may exonerate XXXX XXXX XXXX the claims of identity theft and commercial fraud of which XXXX XXXX XXXX XXXX being accused. 


If agents representing XXXX XXXX XXXX can not provide or make accessible the requested proof of contract within XXXX days of their receipt of this presentment, then a check of {$9900.00} made payable to XXXXXXXX XXXX XXXXXXXX on behalf of XXXX XXXX as a XXXX  contribution will be accepted as compensation and no further legal action regarding this matter will be initiated nor further compensation sought regarding this matter. 

Should agents of XXXX XXXX XXXX choose silence as acquiesce in response to these heretofore mentioned allegations, a criminal complaint will be filed against XXXX XXXX with the XXXX XXXX XXXX and the CFPB, a summons issued and judgement sought for that initial {$9900.00} plus compound interest for every day beyond the thirty days given as a grace period in which proof of said contract was to be provided by XXXX XXXX XXXX agents. 

All rights reserved without recourse /s/ : XXXX ; XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I contacted TransUnion about the following negative accounts XXXX XXXXXXXX. ( Open Date XX/XX/XXXX, Balance : {$900.00} ), XXXX XXXX ( Open Date XX/XX/XXXX, Balance : {$0.00} ), XXXX XXXX XXXX XXXXXXXX XXXX ( Open Date XX/XX/XXXX, Balance : {$0.00} ), XXXX ( Open Date XX/XX/XXXX, Balance : {$1000.00} ), XXXX XXXX XXXX ( Open Date XX/XX/XXXX, Balance : {$1200.00} ), XXXX XXXX XXXX ( Date Opened XX/XX/XXXX, Balance {$7300.00} XXXX XXXX ), XXXXXXXX XXXX ( Date Opened XX/XX/XXXX, Balance : {$2300.00} XXXX XXXX ), XXXX XXXX ( Date Opened XX/XX/XXXX, Balance : {$570.00} XXXX XXXX ). Its been over XXXX XXXXs and TransUnion havent respond to my request as they are required to by the XXXX XXXX XXXX XXXX.
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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I looked at my TRANSUNION credit report on XX/XX/year> 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 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any investigation under paragraph ( 1 ) of any information disputed by a consumer, an item of 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 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, credit repair services, or other personal consumer reports

Chase is inaccurately reporting on 2 accounts on my credit reports for XXXX, XXXX and XXXX. I have contacted the company repeatedly with inaccurate information and closing of one account on my credit reports and it has not been resolved. The payment history is inaccurate and showing late payments.
Product: Credit card or prepaid card

On XX/XX/2020 at XXXX I began receiving alerts from my bank about transactions that were hitting my checking account. The fraudulent transactions were originating from something called CashApp. I had four transactions successfully go through my checking account for about {$200.00}, the rest of the attempts were declined by my bank. I have never used CashApp and did not know what this was until this event occurred. I disputed the charges with my bank and they are in the process of investigating the charges. On XX/XX/2020, I received via US mail a Visa debit card from CashApp with my full name, a debit card number, CVV number that I did not request. My complaint is that I have searched the internet for contact information for CashApp ( owned by Square ) and they explicitly state there is no phone number that you can call and talk to anyone. You have to use their app to contact support. I do not have an account with CashApp and therefore can not use their appt contact support. I have no way of canceling this Visa debit card they have issued because I can not contact them. How can this be? How can they issue cards in someone's name from a fraudulent transaction and are not required to have a way for consumers to contact them outside of the to resolve the situation? I have no idea what this debit card is tied to and no way to contact them to get it canceled. The fine print on the card says issued by XXXX XXXX. I tried to call them and all you get is a recording that live support is not supported and that you have to use the app. Are you kidding me? Something is not right here and this company and bank issuing these cards ( XXXX XXXX ) needs to be investigated. How in this day and age are allowing consumers to be taken advantage of and we have no recourse.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following Inquiries. Block and remove it. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : XXXX XXXX XXXXXXXX XXXX  : {$0.00} XXXX XXXX XXXX  : {$0.00} XXXX XXXX XXXX XXXX {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$200.00}, {$1400.00}, {$400.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and  pursue legal action. 
-- CLOSED ACCOUNTS 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$200.00} -This is not my account. 

2. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1400.00} -This is not my account. 


-- AUTO ACCOUNT 3. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$400.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

company is in violation of multiple offenses of federally protected consumer rights. 
company is illegally reporting on my credit report without my consent and permission. 
company has shared private consumer information without my consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

i tried so may times to have this account remove from y credit report, every time the credit bureaus remove the account XXXX  put it back on there. they claim that i owe {$110000.00} witch is impossible.i have proof of how many time this account has been removed and put back into the report, this account has created a huge problem financially. and also a few other accounts that i know nothing about that the credit agencies refuse to remove from my credit report such as recievables performance, XXXX XXXX XXXX, XXXX XXXX XXXX, child support enforcement. i simply ask that these ithems to be remove from my credit report thanks
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measure to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.