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

I did a fund transfer from Chase Account to XXXX Account on XX/XX/XXXX with {$20000.00}. 
The fund was rejected by XXXX XXXX however the funds didn't come back to my chase bank account. I've contacted with XXXX XXXX, attached is the email from XXXX XXXX branch manager. 
Per XXXX XXXX the fund was rejected and XXXX has already contacted with Chase for the refund approval months back. Please help identify why Chase didn't approve the refund request from XXXX and refund my account?
Product: Credit reporting or other personal consumer reports

These accounts are illegal and I have already made an identity theft report. These collections are fraudulent. I've hired a credit specialist and I've placed security alerts on my bureaus. This is my second time having this issue with these accounts and inquiries that I did not authorize. Please remove them ASAP XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Payday loan, title loan, personal loan, or advance loan

On XX/XX/XXXX i called Explore Credit to stop my automatic ACH payments. At first they said they could not stop by automatic payments w/o providing 3 months of bank statements. I didnt feel comfortable sharing that information with them. I then asked to speak with a supervisor and after sharing with him that i am not legally required to share my bank statements in order to stop my ACH payments he then said that he would stop my payments. 
Today, I noticed XXXX charges on my bank account from them! One was for {$220.00} and the second charge was for {$73.00}. 
I immediately called them and asked why my ACH PAYMENT with them went through when I specifically called them on XX/XX/13 and requested a stop! They said No they were not stopping my ACH payment until i shared 2 months of bank statements i called my bank and flagged those XXXX charges. My bank also advised me not to share any bank statements with them.
Product: Bank account or service

In XX/XX/2013 I had bank of America bank account and my ex wrote me two child support payments by check so I deposit them my account. I believe days later they closed my account without me knowing it. So I called and they told me they was closing my account because of two bad checks I deposit so I was XXXX because I had direct deposit but I let it go. So I was threw with banks until I tried to go to a credit union so I could build my credit and they told me no because somebody put fraud by my name and social security number. I called them Bank of America and they told me they do not have fraud by my name. So I need this taking care of because this make me look bad when I 'm trying to build my credit.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX Account XXXX Account Name XXXX XXXX  Account XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

I have a debt in collections on my credit report that I was never notified about. The debt is not mine. I paid rent signed the paperwork to end the lease and paid all debts that were owed. I moved out of the apartment on short notice due to be XXXX with the XXXX. I cleaned the apartment and left it cleaner than I found it I have documentation requests for maintenance and complaints to the leasing office about odor in apartment capret when I first moved in. The bathroom cabinets were not clean, there were nail clipping in the carpet as well. I moved out of the apartment 6 months ago and have received no communication from the apartment, XXXX in XXXX XXXX, Texas or from the debt collection agency. When I called they are saying the extra charges are for carpet cleaning fees due to dog pee but I did not have an animal in the apartment. The person that lived there before me did and I told them that it smelled like dog pee. I have attached a copy of the email that I sent to the leasing office when I moved in XXXX of XXXX stating that there was a urine like odor in the apartment that was making me nauseous. These charges have been unfairly assessed to me and I want them removed from my credit report.
Product: Mortgage

OVERCHARGE : PHH MORTGAGE has extended my mortgage even after it should have ended. When Ocwen Loan Servicing LLC service my account before turning it over to PHH MORTGAGE, my statement dated XX/XX/XXXX, the balance {$220000.00} ( See attachment ) not {$340000.00} as PHH Mortgage claim. I had a Loan Modification where I get {$53000.00} off per year as long as I made timely payments ( XXXX, XXXX & XXXX ). PHH MORTGAGE took over servicing the loan & change the agreement & went back to the original an amount in XXXX. How many people have been extorted & financially XXXX before something is done?? How many?? 
You should do an investigation & charges the company with overcharges & extortion
Product: Debt collection

This is a response to Zwicker & Associates, P.C. reply to my complaint submitted XX/XX/year>. I have not asked this company for any validation of the accounts in question as I am not required to pay this organization any money. I have also clearly asked this company to cease and desist any further communication with me. Should I receive any further documentation from this corporation that contains any of my non public personal financial information within in it, Zwicker & Associates, P.C will be personally liable for identity theft.
Product: Credit reporting or other personal consumer reports

I received the letter with my dispute results from TransUnion and I need to know WHY these accounts are still remaining and they are claiming they have been verified. Thats impossible because these creditors are denying any record of a dispute from their company! I am maintaining a careful record of my communications with Transunion for the purpose of filing a complaint with your agency.
Product: Credit reporting or other personal consumer reports

I originally did a dispute on some items that I saw on my credit report in XXXX of 2023. Transunion originally DELETED some accounts from my consumer report, but they quickly added them back to my consumer report without notice and without following the correct procedure stated by the FCRA. I asked them numerous of time to provide their method of verification that they claim that they use to verify information that they claim that is accurate, but Transunion refuse by failing to properly verify my disputed information. Transunion refusal to conduct a lawful good faith reinvestigation as required by law and the FCRA is committing a fraudulent act while operating out of bad faith.
Product: Credit reporting, credit repair services, or other personal consumer reports

There Are Inquires On My Reports That I Did Not Authorized, Plz Delete All Inquires On My Report. My Information Was Compromised Online. I Would Like These Removed!
Product: Money transfer, virtual currency, or money service

I received a text message notice on my phone regarding an XXXX transfer from my Chase account to open up a CD. It was a fraud alert that I needed to approve, however I am the only person on this account, and yet my son who is a beneficiary on this account was also sent the text message notice for his approval. Now I have XXXX beneficiaries on this account, to my knowledge the other XXXX have not been contacted. I do have an account at chase with my son at chase, but it has nothing to do with this account that this money was transferred from. 

When I called chase after going through several people. I was told it is a glitch in the system that they are currently working on to fix. This is XXXX my son has no business knowing my finances. This is a breach in privacy and should not have occurred. 

I spoke with XXXX XXXX in Technical Support at Chase Bank he gave me a ticket # XXXX. I don't know what this is for other than to have a way to refer to the privacy breach.
Product: Debt collection

During the months of XXXX and XXXX 2015, I started receiving calls for some unknown debt that the company admits is not in mine. I do not know what this debt is, or who they are looking for. The have continued to call my personal cell phone 15-20 times during this period. I have talked with someone at their company at least eight different times letting them know my name and that they have the wrong phone number. Each time, the person apologizes and tells me they will take my phone number off their list. I have received three calls this week alone. The company is I Quantify Management Services ( IQMF ) ; their number is XXXX
Product: Credit reporting or other personal consumer reports

Jefferson Capital, a company that I have not been knowingly or willingly affiliated with, has purchased my private information from two separate companies, to my knowledge. The separation of those 2 companies may be debatable as their accounting appears strikingly similar. Please review both correspondences from XXXXXXXX XXXX XXXX and XXXX XXXX. 

Jefferson Capital has infringed on my right to privacy in combination with the above names companies. 

I

n response to Jefferson Capital : I agree to pay any financial obligation which I might lawfully owe, ON THE CONDITION that you provide : 1. Validation of the debt ; this is, the actual accounting.

2. Verification of your claim against me ; that is, a signed invoice ( not a statement ) 3. A copy of the Contract binding both parties ( you and I ), in a letter by certified mail so that there is an independent witness to it having been delivered. 

A lawful binding contract consist of : 1. Full disclosure 2. Equal consideration 3. Lawful terms and conditions 4. The wet ink signature of both parties.
Product: Debt collection

This is a loan with OneMain Financial account number XXXX I have had poor communication with local office. 
I call they transfer my information to a central location, however I can not get my request resolved. 

The breach of contract is that they have not reported on a monthly bases any of my payments to this binding contract Causing material & causing hardship financial damage over the last 9 months to my credit XXXX  XXXX  & XXXX. In the last nine months they repeatedly month after failed to report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX account XXXX and XXXX XXXX  XXXX, have violated my rights. 
15 U.S.C 1681 section 602 A, states I have the right to privacy.

15 U.S.C 1681 section 602 A section 2, also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Checking or savings account

My bank CD 's were running out and I want to add my personal external account to send this money to another bank. I have met all the bank 's requirements and received XXXX control deposits from them on the external account. But the bank demanded to send them a copy of my ID and external account bank statement ( even though both accounts belong to me personally ). I complied with their demands and sent the documents. But they are not reviewing them or approving my external account. This way they block my money on their account and do not give me an opportunity to place it in another bank on more favorable conditions. I have been waiting XXXX weeks for this simple action. I have written several inquiries to them, but have not received any answer. After that I wrote to the management of the bank. But they replied me that I have to wait. Although only a couple of minutes would have been enough to check the documents I had sent. All this is done on purpose to keep my money in their bank at low interest rate. This is fraud and breaking the law. This is a violation of my consumer rights. I ask to oblige the bank to unblock my money and impose sanctions on the bank.
Product: Mortgage

Since XX/XX/2015 we have been having billing issues with our mortgage which is being serviced by Chase. 
1 ) Customer service gives wrong payment amount. 
2 ) They do not apply total escrow payment to escrow which cause a short fall, therefore they increase mortgage to cover short fall.
Product: Credit reporting, credit repair services, or other personal consumer reports

AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE THE COMPANY AND CREDIT BUREAUS HAVE NOT REMOVED FRAUD ACCOUNT THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT XXXX XXXX XXXX 2 LATE PAYMENTS Balance details Paid off - Balance - Balance updated - Original balance {$1600.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Note Loan Payment summary XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PAYMENT HISTORY LEGEND Status Paid, Closed. 
Status updated XXXX XXXX  Original balance {$1600.00} Monthly payment - Last payment date XXXX XXXX XXXX Additional info Responsibility Individual Terms 24 Months Company sold - Original creditor - Comments- Your statement **CONSUMER STATEMENT** Y ITEM DISPUTED BY CONSUMER Contact info Address XXXX XXXX XXXX XXXX, NY XXXX Phone number ( XXXX ) XXXX XXXX U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft Shall be removed from the consumers report not later than 4 business days after the date of receipt. 

As a federally protected consumer I am demanding the deletion of the accounts listed IMMEDIATELY. 


PS! 
THIS FRAUD ACCOUNT BEING ON MY CONSUMERS REPORT IS HOLDING ME BACK FROM EVOLVING AS A CITIZEN IAM NOT ABLE TO OBTAIN A HOME OR APARTMENT A GOOD PAYING JOB OR EVEN A LOAN OR CREDIT CARD! I DEMAND AS A FEDERALLY PROTECTED CONSUMER THAT THE CREDIT BUREAUS AND ALL COMPANIES INVOLVED REMOVE FRAUDULENT ACCOUNT OFF MY CREDIT REPORT AND CONSUMERS REPORT NOW PERMANENTLY!
Product: Credit reporting or other personal consumer reports

I am formally requesting this letter to update the following accounts in my credit profile which are appearing to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise you will be in violation of the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX Balance : {$320.00} XXXX XXXX XXXX XXXX XXXX Balance : {$320.00} XXXX XXXX XXXX XXXX  XXXX Balance : {$320.00}.
Product: Credit reporting or other personal consumer reports

I am writing to express my profound dissatisfaction and concern about the repeated and unsuccessful attempts I have made to remove fraudulent items from my credit report with Credit Bureaus. Despite providing extensive documentation and evidence, these fraudulent items persist on my credit report, causing significant harm to my financial standing. 

I initially reported the fraudulent items and since then, I have submitted attempts to rectify the situation. Each time, I have supplied the necessary documentation to support my claims, yet I have seen no tangible progress toward their removal. 

The presence of these fraudulent items on my credit report has detrimentally impacted my financial health, and I am determined to resolve this matter promptly. I, therefore, insist on a thorough and immediate investigation to correct and remove these fraudulent items from my credit report. I also request a detailed written response outlining the steps taken, the results of the investigation, and a clear plan for the items ' removal within the legally required timeframe. 

I trust that Credit Bureaus is committed to ethical and responsible reporting practices that prioritize accuracy and fairness. I believe in the importance of fair and accurate reporting, and I request your support in achieving this. 

I kindly request a prompt response to this complaint. I am asking for your help to remove the following fraud items in my credit file : XXXX XXXX XXXX XXXX, XXXX XXXX, TX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX, XXXX XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$3500.00} XXXX XXXX XXXX XXXX Balance {$1000.00} XXXX XXXX XXXX XXXX Balance {$1000.00XXXX XXXX XXXX  XX/XX/2023 XXXX XXXX XXXX XXXX, XXXX XXXX, TX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX, TX, XXXX XXXX  XXXX XX/XX/2023.
Product: Debt collection

On XX/XX/XXXX I sent a certified letter ( tracking # XXXX to Portfolio Recovery Associates which was received on XX/XX/XXXX at XXXX. The letter sent requested proof of contract or application obligating me to this debt this company claims I owe. Portfolio Recovery Associates has only provided a copy of bill dated with my name on it as means of validation. This is not considered proper validation under the court of law. No chain of command, application, or contract, containing my signature has been provided on behalf of Portfolio Recovery Associates. Portfolio Recovery Associates is in  violation of the fair debt collection practice by continuing to report this account to the consumer reporting agencies as well as attempting to collect on a debt without proper validation.
Product: Mortgage

I am trying to get my mortgage loan statement rectified. I have been dealing with this for six months, The company stated that I was short on my payments when in fact I was one payment ahead of schedule. They adjusted my payment receipt schedule and I feel it still not accurate as of XX/XX/19. They told me my payments were up to date but I feel the adjustments they made on the loan activity statement are incorrect. I have spoken to several agents of their organization and just can't seem to get them to understand the issue.
Product: Debt collection

the is fraud I lost my wallet I never done business with these people ever ( identify theft )
Product: Credit reporting or other personal consumer reports

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

Transunion has had two separate FTC report sent to them despite the law stating that it is not even needed for inaccuracies but yet they choose to ignore what is being sent and continue to send stall responses as to why they cant use it they have been withholding the documents way pat 7 business days any accounts are still invalid.NO consent is in fact a form of idenity theft. they need to be deleted immediately
Product: Credit reporting or other personal consumer reports

Subject : Formal Complaint Regarding Inaccurate Reporting by XXXX XXXX XXXXXXXX XXXX XXXX Compliance Violations Dear CFPB, I am writing to file a formal complaint against XXXX and XXXX for their failure to accurately report information related to my account with XXXX XXXX  XXXX. Despite my efforts to resolve these discrepancies directly with the credit bureaus, they have continued to report incorrect information, which violates my rights under the Fair Credit Reporting Act ( FCRA ) and XXXX XXXX reporting standards. 

Summary of the Issues : Inconsistent Date Opened Reporting : XXXX reports the date opened as XX/XX/XXXX, while XXXX reports it as XX/XX/XXXX. The correct date, as verified by my records, should be XX/XX/XXXX. This discrepancy indicates a failure to adhere to XXXX XXXX compliance, which requires consistent and accurate reporting across all consumer reporting agencies. 
Discrepant Payment History Reporting : XXXX reports that my account was in a charge-off status with late payments beginning in XX/XX/XXXX, while XXXX fails XXXX provide consistent reporting on the payment history during the same period. XXXX XXXX guidelines require that payment history, including delinquencies, be reported accurately and uniformly. The inconsistency between the XXXX bureaus is a clear violation of these guidelines, leading to a misleading representation of my creditworthiness. 
Incorrect Date Last Active : XXXX reports the date last active as XX/XX/XXXX, while XXXX reports it as XX/XX/XXXX. The XXXX XXXX standard mandates that the Date of Last Activity ( DLA ) be reported consistently, reflecting the accurate last date of account activity. The disparity in these dates significantly impacts the account 's aging on my credit report. 
Failure to Report High Credit Accurately : XXXX reports the high credit as {$4100.00}, while XXXX incorrectly reports it as {$0.00}. This failure to report high credit consistently is another violation of XXXX XXXX standards, which require accurate reporting of all account fields to ensure fairness and accuracy in credit reporting. 
Permissible Purpose Violation and Unauthorized Reporting : This account was reported on my credit report without my explicit authorization, constituting a violation of the FCRAs permissible purpose provisions. Under XXXX XXXX guidelines, data furnishers must have a permissible purpose for reporting accounts, and in this case, XXXXXXXX XXXX XXXXXXXX has failed to comply with this requirement. 
Previous Efforts to Resolve : I have made multiple attempts to correct these inaccuracies by contacting both XXXX and XXXX, providing all necessary documentation to support my claims. However, both bureaus have failed to adhere to XXXX XXXX standards and the FCRA by not correcting these errors or removing the unauthorized and inaccurate information.
Product: Debt collection

I entered into a consumer credit transaction with Regional Acceptance Corp. I received a letter from XXXX XXXX XXXX XXXX stating that this account has been sent to them for collection. Upon receiving this letter, an affidavit, debt validation and cease and desist letter were sent to the address provided on the debt collection letter. Also, after investigating this letter, I noticed there were violations and federal rights being disregarded against me as federally protected consumer. According to 15 USC 1692k ( 2 ) ( a ), in the case of any individual, such additional damages as the court may allow, but not exceeding {$1000.00}.