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

I made a purchase with XXXX XXXX XXXX on XX/XX/2019 in the amount of {$38.00}. I was charged twice for this transaction. I placed a disputes case with Chase bank on XX/XX/2019 when I noticed the charge on my account. I called back on Sunday, XX/XX/2019 about the provisional credit for the charge and again on Monday, XX/XX/2019. I was told the charge had to post before a provisional credit could be provided. I used my debt card on Monday, XX/XX/2019 then tried to use it again but it would not work. I went to Chase bank on XXXX XXXX XXXX in XXXX XXXX, Nevada and was told that my account was closed due to fraudulent activity. I was shocked because I had not reported fraud on my account. I later found out that I was being accused by the disputes department of placing a fraudulent disputes case for the duplicate charge from XXXX XXXX  XXXX. I later contacted XXXX XXXX  XXXX again and was told that they DID see a duplicate charge and would credit my account within 3 - 5  days. I contacted the chase disputes department again on Monday, XX/XX/XXXX. 2019 and explained thaXXXX XXXX XXXX XXXX would credit my account and that I did not like being accused of making a fraudulent disputes claim. The escalation manager did NOT care and told me that Chase decision on closing my account was final. I had been a customer of Chase for XXXX   years. My character has been challenged by the disputes agents and I consider this to be detrimental to my character and slander. 

I am NOT seeking to keep my account open with Chase BUT I also do NOT want Chase reporting that they closed my checking account involuntarily. 

Once again, I do NOT want Chase to have the checking account that I had with them being reflecting on any public records as being closed as involuntary closure by Chase. 

I did nothing wrong by filing a disputes claim for the duplicate charge or any other disputes cases that were filed in the past.
Product: Debt collection

To Whom It May Concern, Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report are in violation of Federal Law. You are required under the FCRA to have a copy of the creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts?

You have NOT provided me a copy of ANY original documentation required under 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance 15 USC 1681n if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately. 






XXXX Collection Department XXXX XXXX Credit Bureau XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX In addition, Delete all non-account holding inquiries over 30 days old. Also, please add a promotional suppression to my credit file. 



Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation.
Product: Mortgage

XXXX approved a loan modification and forgave {$140000.00}. 
on a note and issue a XXXX on which I paid taxes on the forgiven debt. Then the loan was sold to XXXX XXXX who subsequently denied that the forgiven portion of the debt existed even though I presented the documents proving the facts. they then altered the recorded documents and proceeded with foreclosure and the property record now say it was sold to a trust for {$220000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Requested several attempts to resolve late payment status on a secured credit card closed in XXXX. for the past 6 months thru Wells Fargo Complaints Management Office.. 
Finally received notice and written communication XX/XX/XXXX via email. instead of phone messages. 
I had requested a secured card to be closed in XXXX of XXXX and to use the proceeds from the savings account to pay off the card. and send me any balance that I may be owed me, or if I owe them to send me a billing of what I owed them. as I was closing down a XXXX  due to financial demise in XXXX. Instead Wells Fargo kept the account open and generated additional late fees and higher interest rates until it came to the point of having to charge it off, However they couldn't charge it off as there was a secured savings account covering the card, The account was paid in full by me in XXXX of XXXX and it is not the late charges or higher interest I am concerned about it is the reporting. They reported it as 30 day 60 day 90 day 60 day 90 day late. The payment from the secured account would have brought it current so having multiple 60 and 90 day late with this account at Wells Fargo wasnt accurtate reporting. However they removed the initial 30 and 60 on XXXX  and XXXX  leaving 90,60..90 late on XXXX  beginning XXXX XX/XX/XXXX and on XXXX  they changed it from 90.60.90 to 120.90 120 day late both starting XX/XX/XXXX. When all 3 of these late payments should have been removed with the initial 2 late payments, as the seven year time frame has arrived for removal which XXXX has done properly and no longer reports any history of late pays.. and at the same time XXXX XXXX increased the XXXX  late payments from from 90 ,60.90 days instead now reporting them as 120.90.120 late days. 
Wells Fargo need to eliminate the remaining late payments that were in succession with the original 30 and 60 day late payment that they removed as the time of 7 years for the initial late payment succession began and all reference and history of late payments should now be removed from my XXXX  and XXXX  credit report. .Currently XXXX is the only agency properly reporting no late payments and I would like Wells Fargo to correct the issue with XXXX  and XXXX  .
Product: Credit reporting or other personal consumer reports

Consumer Reporting Agencies play a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system 's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of 15 U.S. Code 1681b ( 2 ). This violation has led to an alleged case of identity theft, breaching 15 U.S. Code 1681c-2. The accounts in question are not related to any transactions made by me.

The Fair Debt Collection Practices Act was created to ensure that laws and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by debt collectors. In this case, the company has violated 15 U.S. Code 1692f, which prohibits debt collectors from using unfair or unconscionable means to collect a debt. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated 15 U.S. Code 1692e, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers. 

In this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of the law. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

I was illegally evicted from an apartment complex in 2013 and am still appealing the original sham court 's rubber stamp decision for the plaintiffs for constitutional, other statutory and civil procedural errors. The case is now pending in the New Mexico Supreme Court, Case No. XXXX. I believe that is enough to have the debt removed from my credit bureau reports. However, my sole income was and remains SSDI, which is exempt from collection. So the CRA is breaking two laws. My friend, former roommate and co-appellant in the pending NMSC case, XXXX XXXX, is DECEASED.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm a natural person.I 'm an human being. I have a right under 15 USC1681. XXXX is govern by 15 USC 1681 and they violated my rights numerous times. I demand the accounts listed below be removed because according to 15 USC1681. I have a right to.privacy and i.did.not.give XXXX written permission to furnish these accts. Portfolio Recovery Associates acct # XXXX in the amount of XXXX. XXXX XXXX XXXX is the seller..
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under XXXX according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the Polaris letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts ( or inquiries ) listed IMMEDIATELY.
Product: Credit card or prepaid card

I requested that an overpayment I made to my credit card be sent as a refund check to my home because I mistakenly made a double payment to my credit card. The refund check was returned by the courier because i wasnt home and I have been calling chase to get the refund reissued. I have waited nearly a month for them to return my overpayment. And I have been hung up on multiple times and they have been using stalling tactics, telling me to wait ten business days for a stop payment to be done then an additional 3 - 7 business days for them to figure out where the refund is, or whether its been cashed or not. The supervisors cant give any updates about this issue.
Product: Credit reporting or other personal consumer reports

Transunion, could not produce my XXXX XXXX being 120 days late prior to XX/XX/year>. Account was paid in full, never late, all my other credit reports are not showing any late payments. The process took way over 40 days to respond back to me in a decent manner. 

Please remove it from Transunion credit report Yours sincerely, XXXX XXXX
Product: Checking or savings account

On XX/XX/2018, I was paid with a Fraudulent check for the amount of {$2900.00}, the individual that issued me the check, asked that I let them know after I deposited, I contacted my bank on XX/XX/2018, and asked them if there was a way this individual could take my bank information by me depositing his check, the customer service banker, asked me if the person was asking for a fee or any type of money, no he did not, was very picky about the cleaning services, I explained to her that the only information the customer has about me is my full name and address, she stated I have nothing to worry about, as long as I did not give him any bank or socials, dob, etc I was fine, so XXXX XXXX I deposited the Check, my funds were available the next business day, I was so excited and began paying my bills, on Monday XX/XX/2018 morning, I check my account and it has been frozen, I contact the bank, and the customer service banker tells me that the Check is not validated, it's fraudulent, I felt so confused, upset, and I asked her what could I do?? The customer representative informed me that I would need to contact the local law officials, but that my account would remain frozen until {$1400.00}, was paid in full. I contacted XXXX County Sheriffs Department and filed a report, the Filing Officer stated the report would take 7 to 10 Business Days, I contacted my bank to give them the Case # and informed them of the wait, the customer service after hours gentleman was very nice, and noted my account. On XXXX I went down to pick up the Police report at XXXX XXXX XXXX XXXX XXXX XXXX, Texas, and the report was still not ready and stated I could email them and they would email me the report. I contacted my bank to give them an update, the customer service banker was very firm and stern, and informed me that my bank account would be closing in a few days and that I would need to get it paid, I went in to the branch to give them an update in person and to find out why I would be closed in a few days, and if I could make some type of arrangements because I need my bank account for a need to pay my bills, but can not afford to pay the lump sum, as she was looking into my account, she seemed standoffish and distant, sitting with her body position towards the doors and hands on her knees, ready to walk me out, i asked her about my account closing in a few days, she stated she did not see anything, as she reluctantly signed back on her computer, she nodded her head and stated there was nothing about my account closing in a few days, and there was nothing more she could do as she began to rise from her chair, I have always been treated well at the branch and on the phone with Customer Service, but this day I got the cold stern, no payment arrangment final. I feel, like the bank is treating me like fault party.
Product: Credit reporting or other personal consumer reports

Been more then 7 yrs n needs to be removed off my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

I have some Credit cards that have not shown up on my credit as being paid on. When I contacted the companies, i.e., XXXX XXXX, I asked them why is it that you reported to XXXX  I made my payment if XXXX but not the other two. The contract that binds between the credit card company and the credit card holder specifically states the credit card company will report to all three credit bureaus. This is not the only company I am having problems with. It is directly affecting my credit score. When I asked XXXX XXXX to show me and ask for proof that they did report to all three credit companies they refused to provide me with any proof.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the fair credit Reporting ACT XXXX  Account Names : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, 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 an account without my written instructions.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 16811, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 16811, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.
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 USC 1681. 

Account name : XXXX XXXX  Account # XXXX  Account name : XXXX Account # XXXX Account name : XXXX XXXX XXXX XXXX Account XXXX XXXX Account name : XXXX XXXX XXXX XXXX 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 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

This debt is from Jefferson Capital ; has been found unfair based on the Credit Repair Act and closed by its original creditor, XXXX. It is invalid and needs immediate removal unless detailed information is otherwise correct.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the incorrect address currently listed on my credit report. The addresses that are attached to document is not associated with me, and I kindly request its removal from my credit file. 

Please find my correct address below for your records : XXXX XXXX XXXX XXXXXXXX, GA XXXX I am enclosing a copy of my bank statement. I appreciate your prompt attention to this matter and look forward to your confirmation that this incorrect information has been removed.
Product: Credit reporting or other personal consumer reports

Accounts are showing as charge off and paid in settlement.
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 Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account XXXX : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX and 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: Checking or savings account

On XX/XX/XXXX I noticed 3 unauthorized XXXX charges on my Chase checking account.The 1st transaction occurred XX/XX/XXXX in the amount of {$350.00} ; This charge declined. 
On XX/XX/XXXX there were two additional charges. Ive listed the info below for your review : Date XX/XX/XXXX {$490.00} XXXX XXXX, {$700.00} XXXX XXXX. 
I was told by the Chase representative that the charges were sent via XXXX, a feature/app offered to chase customers deemed a fast and safe way to send & receive payment. XXXX, requires the Chase customer to enroll in the service. To date Chase has not provided the date ( s ) in a mm/dd/yyyy format I allegedly enrolled in the program. Chase issued a provisional credit and retracted the credit. I continued to dispute these unauthorized charges but unfortunately To date, Chase has not returned my funds. Although my card number changed, I was recently told there was an additional transaction on XX/XX/XXXX in the amount of {$490.00} for someone named XXXX XXXX in New Jersey ). 
I am a senior citizen on a fixed income. I thought this issue was something Chase couldve assisted me with but to date they have not. 
Please help me locate the culprit that has caused additional stress, undue burden, and get my money back expedtiously.
Product: Credit reporting, credit repair services, or other personal consumer reports

HARD INQUIRY BY " XXXX XXXX  THAT WAS MADE IN " DUPLICATE '' INQUIRY. IN WHICH XXXX XXXX  OWN WORDS WERE TO TELL TRANSUNION THAT IS WAS A " Duplicate inquiry request " DONE BY MISTAKE THEY DONT KNOW HOW IT HAPPENED WHEN IT SHOULD OF BEEN A " SOFT PULL '' ONLY BUT IT SHOWED UP ON BOTH. PLEASE FIX AS SOON AS POSSIBLE PLEASE. 

XXXX XXXX  : XX/XX/2022 2022