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

I disputed items in XXXX due to identity theft with proof of police report and and identity theft report and only one item was deleted I then submitted complaint with you asking for the items be deleted or for proof of my ownership and some items were deleted but not all The below still remain I also disputed inquiries that were not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

I want to inform the Credit Bureaus AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 

XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXXXXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$14000.00} XXXX XXXX XXXX XXXX Balance : {$600.00} ; XXXX XXXX XXXX XXXX Balance : {$1300.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXXXX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXX  XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a Police Report and Fraud Affidavit for the erroneous items on my credit report. 

2 Erroneous items XXXX XXXX XXXXXXXX  Paid/Never Late, that speaks volumes to who I am. 

The bureaus have violated FCRA and have NOT performed an Investigation and they have NOT provided me with one piece of tangible proof, signatures, agreements that these two erroneous accounts belong to me, because they can't provide documentation. 

Delete these erroneous accounts immediately and it's your duty to put the bureaus on notice that this behavior goes against FEDERAL laws. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting or other personal consumer reports

I am writing to inform you of my dispute regarding the account listed on my credit report maintained by Equifax. I assert that Equifax is subject to the arbitration agreement as stated on your company 's website, as well as the arbitration procedures provided by XXXX 
I am fully aware of the financial implications associated with initiating arbitration proceedings, and I am extending you one opportunity to resolve this matter amicably. My settlement demand is as follows : Payment of {$6000.00} to compensate for the XXXX  distress, XXXX, emotional distress, and financial hardship that your actions have caused me. 
Deletion of the trade-in entry from all credit reporting agencies where it is currently listed. 
I want to emphasize that the costs associated with initiating arbitration proceedings, including filing fees, arbitration initiation fees, arbitration deposits, and any legal costs incurred throughout the arbitration process, will be significant. As per the arbitration procedures outlined on the XXXX website, you will be responsible for covering these costs, which could amount to tens of thousands of dollars. 
Failure to comply with my demands will result in the initiation of arbitration proceedings. I want to remind you that your continued collection activities may constitute a violation of the Fair Debt Collection Practices Act ( 15 USC 1692c ( c ) ), which prohibits communication through mediums other than mail upon request.

I expect a prompt response within 15 DAYS, confirming your acceptance of my settlement terms and detailing the steps you will take to comply. If I do not receive a satisfactory response within this timeframe, I will proceed with arbitration without further notice.

Please send all correspondence related to this matter to the address listed above.
Product: Credit reporting, credit repair services, or other personal consumer reports

Nissan Motor Acceptance LLC is in violation of 15USC 6802 for furnishing an account with incomplete information to the credit reporting agencies without providing me with ALL THREE of my OPT OUT disclosures before the reporting of this data. 
I was only given disclosure form A ) in which, only states that Nissan Motor Services MAY OR MAY NOT disclose my non public personal information to a nonaffiliated third party. 

XXXX states : a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title - ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 

This violation of 15USC 6802 - OPT OUT alone justifies deletion of this account. 

Furthermore - NMAC states in their response to my previous complaint that they are reporting this account and its data accurately - that my stance is not supported by law. 

But according to 15USC 1681a Section 2 under the Exclusions Title : 2 ) Exclusions.-Except as provided in paragraph ( 3 ), the term " consumer report '' does not include- ( A ) subject to section 1681s3 of this title, any- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; My transactions or experience to Nissan Motor Acceptance LLC are excluded from my consumer report, therefore they must delete this account and its data from my report. 

It has been more than 60 days since they have been notified of their violation and this account is still on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX  I have contacted  XXXX   XXXX  to ask them to remove the reporting of a vehicle that was repossessed and charged off in  XX/XX/XXXX . They are still reporting this vehicle as open and being late. It is showing up on my credit report that it has been late, has a past due amount and that I am being late on these payments each month. It is my understanding tha t a 7  yr clock starts on the last payment you made and no one is allowed to " re-age '' the item to start the clock over.  XXXX  is still reporting that this charged off account has a balance and is still being reported as late even though the charge off was 11 years ago. I have done a dispute with the credit bureaus, but they state that their is nothing that they can do to help me. I am trying to buy a home and this is negatively impacting my credit. I do n't understand how long this company can keep reporting this negatively on my credit report for this long. It looks like this just happened and I am currently late on these payments. This vehicle was repossessed due to the death of my death daughter and having to bury her and then losing my job 3 days later. I was not able to make the payments and could not catch up with the payments due to the unforeseen circumstances.
Product: Debt collection

I have recently become aware of a balance of {$950.00}, which according to your records was placed for collection. I am unaware of this debt and did not have an opportunity to dispute this information previously. If you believe that you have provided me with proper notification regarding this debt, I request that you provide me with certified receipts that include my name and signature confirming that I received such notification.
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 Account numberXXXX Account name : XXXX XXXX Account number:XXXX  Account name : XXXX XXXX  XXXX Account number:XXXX  Account name : XXXX Account number:XXXX Account name : XXXX Account number:XXXXXXXX Account name : XXXX XXXX Account number:XXXX Account name : XXXX XXXX XXXX Account number:XXXX  Account name : XXXX XXXX Account number:XXXX  Account name : XXXX  Account number:XXXX Account name : XXXX XXXX Account number:XXXX Account name : XXXX  Account number:XXXX  Account name : XXXX XXXX Account number:XXXX Account name : XXXX Account number:XXXX Account name : XXXX Account number:XXXX Account name : XXXX XXXX  Account number:XXXX  Account name : Account number : has violated my rights. Or 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

Months ago, On XX/XX/2022, I pulled my credit report and noticed an account that I had never opened, I don't know the reason this account showing on my report, and I don't really know what step exactly to take to remove this mentioned account on this complaint, I did some research over the internet about how to remove the erroneous account on my report, So I decided to file a dispute on FTC Website to accelerate fixing this the issue, hoping for the positive feedback regarding this issue, Please remove this negative account from my Credit Report, it is ruining my XXXX XXXX, and as I said I don't really know the origination of this account.
Product: Credit reporting or other personal consumer reports

In XX/XX/year> I received a credit alert that a new mortgage account was opened. I did open a new mortgage but the mortgage proceeding was closed in an XXXX  of mines in XXXX. The mortgage was opened under XXXX XXXX XXXX, the mortgage was sold to XXXX XXXX XXXX which started reporting under me personally. I bought this property under my XXXX, it needs to be removed from my credit report.
Product: Mortgage

We gave a purchase money mortgage to XXXX XXXX in XXXX, XXXX for a 15 year fixed rate mortgage with escrow for payment of taxes. The loan was assigned, most recently in or around XXXX, XXXX from XXXX XXXX XXXX XXXX to Select Portfolio Servicing. 
In that same month, the property was offered for an upset tax sale because, without our knowledge, local real estate taxes for XXXX, XXXX and XXXX had not been paid, even though we had made tax escrow payments including through at least XXXX and probably XXXX, XXXX. We are in the process of preventing judicial sale of the property at an expense to us of {$2000.00} for suspected misapplication and or non-payment of taxes by the predecessor of Select Portfolio Servicing , Inc .
Product: Mortgage

ive been working on a loan modification for a few months now, I called to get the status and they said I was denied due to the fact that Im not working again. However, I informed them I was working and she resubmitted it. I called back a few hours later, they said I was approved and offered me a trial period of three months for {$1400.00} a month. That was a Friday, I called the next Monday and then they said that offer was offered prematurely and that I was denied. I would like you to speak with Rushmore Servicing about this issue and let them know that I do qualify for a loan modification because Im making enough money and have three other sources of income on top of my job. That being XXXX dollars a month and plasma donations, {$500.00} a month babysitting and {$750.00} a month from my roommate. I make more than enough income to qualify for a loan modification. Denying them simply not wanting to help me, when I put {$220000.00} cash down on the house, that I dont want to lose. Please help me!
Product: Vehicle loan or lease

Carmax has charged my XXXX XXXX account a total of {$50000.00} and I have no clue what these transactions are about. 

I have never been a Carmax customer. I have never taken any loans and I dont have vehicles. 

$ XXXX XX/XX/year> - Business to Business ACH Carmax Auto Fina Payment XXXX XXXX XX/XX/year> - Business to Business ACH Carmax Auto Fina Payment I tried to contact the Carmax helpline and also sent a letter in writing but they did not take my complaint over the phone and have not responded to my letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2020 : I sent letter to the XXXX, XXXX  and Transunion asking them to verify the Bankruptcy and up until now, I never received any correspondence from them. I sent them a letter monthly for follow-up for several times but I haven't received anything from them nor a validation. 
XX/XX/2020 : I sent letter to XXXX XXXX to verify the Bankruptcy that has been appearing on my credit report. 
XX/XX/2020 : XXXX XXXX Responded to the letter stating that the record has been deleted because they were unable to verify the accuracy and on XX/XX/2020, I forwarded the correspondence from XXXX XXXX to the aforementioned 3 major Bureaus requesting them to reinvestigate. Now, I have not received any response from them. Please help me on this.
Product: Credit card

On XXXX/XXXX/16 I arranged for a payment to be withdrawn from my bank account to Chase for the amount of {$100.00} to be posted on XXXX/XXXX/16. I was unable to get the money in my bank account so I cancelled payment online on XXXX/XXXX/16. I received email confirmation of the cancellation. However, on XXXX/XXXX/16, my bank showed NSF fee for {$28.00} due to Chase crediting my bank account {$100.00}. I contacted Chase and they said they had no record of my cancellation. After many " secure messages '', a few phone calls, and having screenshots of my bank statement, cancellation page from Chase.com, and the cancellation confirmation email, they were persuaded I had indeed cancelled that payment of {$100.00} ( which I made two days later ) and that I was due {$28.00} for the NSF fee. COMPLAINT # 1 : When speaking to Chase, they refused to send the {$28.00} back to my bank which I had to pay. Instead they insisted it had to be put on my CC balance. The lady stated " it still goes back to you ''. On the contrary, they closed my CC and I do not have access to it. They put it on my CC balance, but it did not go toward my next balance due date either. I WANT MY MONEY BACK IN MY POCKET OR BANK ACCOUNT! COMPLAINT # 2 : After looking through my bank records and seeing payments to Chase, my credit report, and the fact I had to prove I canceled a payment, I would like to call into question the security of Chase 's website : electronic payments, personal info., credit reporting, etc. I dispute ALL information Chase has reported to all XXXX credit bureaus and would like CFPB support. If Chase can lose one cancelled payment and claim it has NO RECORD AT ALL, it is reasonable to say that other information could be missing and/or could have been mishandled that is negatively effecting my credit report at this time. In addition, I am questioning my balance due and other charges that have been placed on my CC. Since Chase has closed my account, I would like CFPB support to clear my credit report of any record with Chase and push for a balance due of {$0.00}. My records indicate that the balance is not even half of what Chase states it is now. In conclusion, my complaints are directly from Chase 's incompetency in quality assurance, customer support, and customer/website security. I would appreciate your help in this matter, thank you.
Product: Debt collection

Friday, XX/XX/2021 XXXX XXXX XXXX XXXX Current Address : : XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX RE : TRANSWORLD SYSTEMS I. at ( XXXX ) XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX XXXX On Thursday, XX/XX/2021, it came to my attention that TRANSWORLD SYSTEMS I. at ( XXXX ) XXXX XXXX XXXXXXXX XXXX  XXXX XXXX ; XXXX XXXX, CA XXXX, ( XXXX ) XXXX alleges I have an unpaid debt based on information from XXXX credit agency. I called them to seek additional information on this matter. 



On Thursday, XX/XX/2021, I contacted them TRANSWORLD SYSTEMS I. at ( XXXX ) XXXX by Telephone to inquire. I called 3 times, each time I recieved a recording stating just for calling today you are elligible for a rebate of {$100.00}, please have your credit card handy This is clearly a scam and fraudulent claim on my credit report. I am demanding this be removed from my credit report immediately. 



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

XXXX acct # XXXX Showing 5 late payments listed below XXXX XXXX 2019 XXXX XXXX XXXX this in correct, these payments were not late
Product: Checking or savings account

I have ongoing disputes that are preventing me from closing this account and they continuingly charging me monthly account fees, plus regardless of what they say if I lose the dispute I am not getting the dispute loss letter in the mail via the Postal Service and when they debit the account I am on aware but all of a sudden I get this email that I owe them fees because of it being overdrawn .. : However I never got the letter they put me no the accounts going to be debited I want to close the XXXX things PNC is the worst bank I ever dealt with, whos a customer for almost 20 years and Im out because the nonsense like this, I have no problems covering the funds that I owe XXXX for any dispute I lost however I am not paying monthly account fees nor am I paying any kind of overdraft fees because I am not using the account
Product: Checking or savings account

We had a fraud happen on our account, that has since been resolved. The bank had to put a temporary freeze on the account until they were thru with their investigation. It has been since, XX/XX/2022 that I received a letter stating that they were PLEASED TO LET ME KNOW THAT MY CLAIMED HAS BEEN HONORED AND WOULD BE DEPOSITING {$3400.00} back into my account. 
Well, it is there but, it is frozen and I can not get to it. 

The bank manager says I must not contact the CUSTOMER SERVICE, FRAUD DEPARTMENT. I HAVE TRIED THIS DEPARTMENT IN THE PAST, and have put on hold until either my battery runs out, or after a long period ( like 20, to 60 minutes ) it automatically disconnects. This is absolutely XXXXXXXX XXXX XXXX XXXX XXXX!,! PLEASE HELP
Product: Bank account or service

USAA restricted my ability to access their banking website after i filed bankruptcy. 
Is this legal? I ca n't make deposits or set up electronic bill payment or transfer funds from trading accounts to bank accounts. I want to be able to access and manage my accounts through their main website.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below 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: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I transferred roughly {$140.00} in XXXX ( a cryptocurrency ) to a private wallet on Blockchain.com, which advertises an 8 % interest rate for this currency. The fee for transferring these funds to Blockchain.com from XXXX was roughly 2.5 % ( $ XXXX worth of XXXX ). 

In order to earn interest on Blockchain.com, however, the user must make an additional transfer from the private wallet to an interest account. There is a fee associated with this transfer, which depends partly on the status of the Ethereum network. That is, the fee rises and falls based on how busy the network is. I understand this. 

What I do not understand -- and what I'm writing to complain about here -- is the incredibly high fees that Blockchain.com charges for making this transaction. The proposed fees for transferring this {$140.00} or so worth of XXXX to an interest account have ranged from a low of {$42.00} to a high of {$97.00} -- that is, anywhere from about 30 % to about 65 %. 

Needless to say, such fees completely defeat the purpose of transferring the funds in the first place, as it would take many years ' worth of interest at 8 % to make up for the cost of transferring the funds. 

I have contacted Blockchain.com support ( chat/email ) and tried to explain to them that something is wrong with the way they are processing these transactions. Without fail, they tell me that they are not responsible for the fees, that it's all a matter of network congestion, and that I should try again later. 

What they refuse to take into consideration -- and what I've repeatedly tried to explain to them -- is that I was able to transfer the same amount of funds ( over the same network ) from XXXX for less than XX/XX/XXXX of what Blockchain.com is trying to charge. They refuse to take this into account. 

I've explained to them that what they are doing is essentially committing fraud, having lured me into transferring funds to one of their wallets in hopes of earning 8 % interest without realizing that I'd have to forfeit roughly half the value of my funds just to make the additional transfer. 

What this means is that my funds are essentially locked, or stuck, unless I agree to pay the exorbitant network fees they are charging. 

I informed them that I would be filing complaints with the relevant government agencies if they did not address the issue, but they still did not make any attempt to help. I asked them to escalate my case to a supervisor or manager, and they simply refused.
Product: Checking or savings account

Multiple communications with VENMO /Paypal submitted statement of amounts owed that are sitting in the account to be refunded. 

Requested account be closed, they have refused. 
Claim I violated agreement when they violated agreement first by not allowing my support documents to be unloaded by their software. Multiple phone call could not resolve. 

Claimed I was doing something illegal but never produced any evidence of this. holding on to funds even though XXXX days have passed.