23daVinci/CFPB_Complaints huggingface dataset:
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 XXXX XXXX XXXX Account # XXXX, Account name : XXXX XXXX XXXX XXXX, Account # XXXX, Account name : XXXX, Account # XXXX, Account name : XXXX XXXX, Account # XXXX, Account name : XXXX XXXX XXXXXXXX Account XXXX XXXX Account name : XXXX XXXX XXXX Account XXXX XXXX Account name : XXXX XXXX Account XXXX XXXX Account name : XXXX XXXX XXXX Account XXXX XXXX Account name : XXXX XXXX XXXX XXXX XXXX Account # XXXX Account name : XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act 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 I did not authorize this inquiry
Product: Checking or savings account

I attach with this complaint a prior summary submitted to CFPB concerning the fraudulent withdrawal of ~ {$91000.00} from 2 JP Morgan Chase bank accounts that belong to my mother, XXXX XXXX. I am a joint tenant on these accounts, and I am communicating on behalf of my mother. 

JP Morgan Chase claimed that the responsibility for safe-guarding this account was ours, because we were not aware of the sequential withdrawals from the first of the two defrauded accounts from mid-XXXX XXXX until XX/XX/XXXX. JP Morgan Chase stated they provided my then XXXXXXXX XXXX mother with monthly electronic statements, so the responsibility was hers, except for the first 60 days of the fraudulent withdrawals. We repeatedly told JP Morgan Chase that my XXXX XXXX XXXX mother did not agree to get her statements electronically. 

I have recently been preparing to work with social media and press consumer watchdogs to mount a campaign against a legal system that shields banks and harms consumers in the event of electronic bank fraud. 

I found two new pieces of evidence which I believe places the responsibility for safe-guarding the account with Chase.

1. With this report I am also attaching a signed request for PAPER, NOT ELECTRONIC, STATEMENTS. Although this was for a different account than the two that were defrauded, it does demonstrate what our directives and preferences were. Im certain that if JP Morgan Chase searched their records, an identical directive would be found for the two defrauded accounts. 

2. In addition, since my last communication, XXXX, CA police arrested the perpetrator of this bank fraud, who I have been told, pleaded guilty. The case number with the XXXX, CA Police Department is XXXX. If you have questions or want more details about the arrest you can reach XXXX XXXX at ( XXXX ) XXXX. 
Taken together, Chase failed to provide paper statements, further failed to protect the accounts from fraudulent withdrawals, failed to restore the defrauded funds, and refused to work with my family to reach out to the vendors who received the stolen money so that we could receive full compensation. 

SHAME ON YOU. 

Hopefully, with these new facts, JP Morgan Chase will restore the roughly {$76000.00} in defrauded funds that it failed to protect.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  and Transunion are reporting incorrectly that I am ( 120 ) days late on the XXXX partial account numbers XXXX and XXXX. ( Please see pages attached from my credit report. ) These accounts report a {$0.00} balance and {$0.00} past due. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due. This incorrect reporting of lates is seriously harming my credit score and  these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.
Product: Debt collection

An account which I previously owned with Discover Card has been closed since XXXX 2017. Following closure of the account, I received multiple telephone calls to both my home telephone and cell phone. In fact, I receive 6-8 calls in one day at my home, which equates to one call per hour during an 8-hour shift. 

Since Discover Card has received no response from me, its customer service has began calling my place of work. These telephone calls to my office have been very disruptive as well as embarrassing. Additionally, I did not authorize Discover Card to call my place of business or cell phone. 

I also sent written notification to Discover Card to cease and desist from all forms of communication with me. 

I stopped paying on the account due to illegal over the limit fees. There is no way that I could have incurred over the limit fees when I had not used the credit card in 6 months.
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I was a victim of identity theft and this is another request to block or remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days. Ive already included this report in my previous letter & I am including it again. Also, the information you provided on these items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
The items are listed below that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$19000.00}, XXXX XXXX XXXX Balance : {$3400.00}, XXXX XXXX XXXX Balance : {$1100.00}, XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$2200.00}, XXXX XXXXXXXX XXXX Balance : {$740.00}, XXXX XXXX Balance : {$0.00}, XXXX, NA XXXX Balance : {$200.00}, XXXX XXXX XXXX Balance : {$1000.00}, XXXX XXXX XXXX Balance : {$820.00}, XXXX XX/XX/2021
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX ( XXXX ) XXXX XX/XX/year> Experian XXXX XXXX XXXX XXXX, TX XXXX Subject : Update of Personal Information Dear Sir/Madam, I am writing to request an update to my personal information on my credit report. Ive noticed there are a few errors. Please find below my updated details : **Wrong Information : ** -Name : XXXX XXXX -Employment Information : Nothing Listed **Right Information : ** -Name : XXXX XXXX -Employment Information : XXXX XXXX XXXX Attached are copies of documents to verify my identity and the changes requested : XXXX. Government-issued ID ( e.g., driver 's license, passport ) XXXX. Proof of address ( e.g., utility bill, lease agreement ) XXXX. Any other relevant documents Please update your records accordingly and confirm that these changes have been made. If you need any additional information or documentation, do not hesitate to contact me at the phone number or email address listed above. 

Thank you for your attention to this matter. I look forward to your prompt confirmation of these updates. 

Sincerely, XXXX XXXX ---
Product: Credit reporting

My concern is about how Transunion reports a BK episodes, in particular the following accounts : XXXX ending in XXXX " In chapter XXXX bankruptcy '' date last reported XX/XX/XXXX ; XXXX ending in XXXX " In chapter XXXX bankruptcy '' date last reported XX/XX/XXXX ; XXXX ending in XXXX " In chapter XXXX bankruptcy '' date last reported XX/XX/XXXX. I have filed a telephone dispute re : this matter today XXXX/XXXX/XXXX at XXXX PST with Trans union ; spoke with representative XXXX for 27 minutes. 
Of note XXXX and XXXX reported my BKs in XX/XX/XXXX and XX/XX/XXXX when I filed. Does Trans union operate on a different set of rules?
Product: Student loan

Mohela is not accurately accounting for my payment history or PSLF eligibility as it was documented for years under XXXX. As a result, Mohela is demanding payment for loans that should have been forgiven under the PSLF program with the rest of my loans. 

In XX/XX/XXXX, my loans were transferred from XXXX to Mohela. Under XXXX, 4 of my loans were categorized as Loan sequences XXXX, XXXX, XXXX and XXXX all under the Direct Loan Special Consolidation Subsidized Loan dated XX/XX/XXXX. All four loans had the same qualifying PSLF payment history. But Mohela erased the payment history and eligiblity count for Loans XXXX and XXXX. Consequently, my PSLF application was not applied towards loan sequences XXXX and XXXX while the other loans were forgiven. Mohela refuses to provide any proof or justification why they erased my payment history.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reported and disputed this erroneous and predatory loan to all credit reporting agencies, every agency EXCEPT Experian complied. 
The retention- non deletion of this listing RAC  has continued to damage me and my only other recourse is a lawsuit. 
I would like this matter to be settled now but have no issue with taking it to court under XXXX statutes. 
I am asking that you intervene now as my last avenue prior to a lawsuit.
Product: Debt collection

XX/XX/XXXX filed complaint with CFPB ( XXXX ), about lack of response from my inquiries to XXXX XXXX XXXX regarding debt settlement for Account # XXXX. 

XX/XX/XXXX XXXX XXXX reports the debt in question to the Credit Reporting Agencies with the status of " Collections ''. The last reporting of this debt by Midland was XX/XX/XXXX. 

XX/XX/XXXX Midland responds to my CFPB complaint indicating that I must communicate with their lawyer, XXXX and XXXX. I was judged " indigent '' by the XXXX County Circuit Court who reviewed this case and I have received no further communication from this lawyer. If XXXX XXXX is still actively reporting this debt to the Credit Reporting Agencies, the company should be able to contact me directly.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint because XXXX, XXXX, and Experian have failed to address and correct inaccuracies on my credit report, even after I submitted multiple disputes. The errors remain unresolved, and no proper investigation has been conducted. 

The violations include : FCRA 623 ( a ) ( b ) : The account I disputed was not marked as " disputed '' on my credit report as required by law.

FCRA 605 ( c ) : The reported date of last activity is incorrect and should accurately reflect the last payment date.

FDCPA 809 ( b ) : The company has failed to validate the collection account, despite my repeated requests for verification. 

I request the CFPB to investigate these issues and ensure the credit bureaus take corrective action to fix the inaccuracies, mark the account as disputed, and validate the debt in compliance with the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX compromised my personal identity without my permission. They did n't inform me of it for months, then wanted to charge me to protect my credit. Since there are three major credit agencies, I will get charged at all three of the agencies to freeze my credit information. I am not a customer of any of these agencies, and I do n't want to become a customer. I have a problem with paying for these agencies to protect information I do n't want them to have to begin with and information that they should be protecting as part of there business. 

I would like these agencies to freeze credit records by default and not try to extort money to protect a persons ' credit records. 

Now take this complaint and multiply by millions to get an idea about how furious all us regular people are!
Product: Credit reporting, credit repair services, or other personal consumer reports

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

15 U.S.C 1681 Section 602 A. States I have rights 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, credit repair services, or other personal consumer reports

XXXX has 2 different social securities that do not belong to me ending with : XXXX. XXXX XXXX. XXXX Equifax due its data breach i have no credit score. and they show several names and address that do not belong to me. I have been a victim of ID theft. I call them almost every day and get no resolution. 

XXXX XXXXXXXX XXXX breach : My medical information was breached. 
My personal information was breached. 
SSN ID Home address email
Product: Debt collection

I have received by mail a XXXX from Wells Fargo stating cancellation of a {$1200.00} debt from an " overdraft deposit account ''. This debt is not mine, and Wells Fargo is unable to provide validation of the debt. 

The account number listed on the debt forgiveness matches with a checking account closed on XX/XX/XXXX. This account was closed in person at the XXXX CT branch office and remaining balance issued to me in the form of a cashier 's check. Overdraft protection was XXXX before the closure of the account. The account was not re-opened and has remained closed since the date of closure. 

In the proceeding 5 years post account closure, Wells Fargo did not attempt to notify me of debt, nor attempt to collect on said debt. The first notice of debt was the XXXX cancellation. This debt does not appear on any credit report, nor does it appear in a XXXX report. 

On XX/XX/XXXX I contacted Wells Fargo via phone for an explanation. The agent was unable to view my account info as the account was closed more than 2 years prior. I was transferred to the Wells Fargo collections department and informed solely that the debt exists in their system and that is was forgiven. When asked to prove validity, the agent was unable to provide validation as the debt was more than 2 years old and had been forgiven. I was prompted to follow up in a physical branch. 

On XX/XX/XXXX I visited the XXXX CT branch to receive information on the debt. The banker was able to lookup the closed account and print a copy of the final account statement. He was unable to see information about the debt nor validate the debt. 

I have attached a copy of the XXXX from Wells Fargo XXXX as well as my last account statement including the date of account closure. 

Per the final account statement. 
- Note the ending balance of {$0.00} on XX/XX/XXXX ( at time of account closure ) - Note the account option indicating " Overdraft Protection '' is not enabled - Note the benefits section stating " This account is not currently covered by Overdraft Protection. '' - Note the FAQ stating " You can close your account at any time if the account is in good standing ( e.g. does not have a negative balance... ) ''. The account was closed successfully with {$0.00} balance. 
- Note the FAQ stating " After 30 days, if your account balance does not reach zero, your account will be returned to active status and subject to all applicable fees ''. The account was not returned active and has been marked closed since XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I am filing a complaint regarding inaccurate information reported by Checkr on my background report. The report contains false information provided by XXXX XXXX XXXX, which has negatively impacted my employment opportunities. 

Dates and Incident Description : - On XX/XX/XXXX, I discovered inaccurate information on my Checkr background report. 
- On XX/XX/XXXX, I submitted a dispute to Checkr via their online platform, providing evidence to support my claim. 
- On XX/XX/XXXX, I followed up with an email to Checkrs customer support, reiterating my dispute and attaching additional documentation. 
- On XX/XX/XXXX, I received a response from Checkr stating that they would not remove the inaccurate information despite the evidence provided. 

Evidence Provided : - Court records from XXXX XXXX XXXX showing the case outcome and proving the reported information is false. 

- XXXX documents from XXXX XXXX XXXX confirming the inaccuracies. 

- Copies of all email communications with XXXX and XXXX : The false information on my background report has resulted in several lost job opportunities, causing financial hardship and undue stress. Despite providing clear evidence, Checkr has refused to correct the inaccuracies, leaving me with no other recourse but to file this complaint. 

Actions Taken : - I contacted XXXX XXXX XXXX to request correction of the false information. 

- I submitted a formal dispute to Checkr with all necessary evidence. 

XXXX XXXX : Checkr has refused to remove the false information from my background report despite the clear evidence provided. This refusal violates the Fair Credit Reporting Act ( FCRA ), which requires credit reporting agencies to ensure the accuracy of information in consumer reports.
Product: Credit card or prepaid card

On XXXX/XXXX/2017 I checked my credit card account online and saw an unusual charge of {$1200.00} had posted that day from a store I had never heard of. I called Citicards to inform them of a fraudulent charge. The agent said it was ok to keep the card open and I wo n't be responsible for this amount.
The next day I got an automated call from Citicards fraud system asking about a suspicious charge of {$1800.00} at another store. I responded that it was fraud and the card was terminated. An agent called and issued me a new card.
Four days later I checked my account and saw that the first charge from XX/XX/XXXXfor {$1200.00} was added to my credit card balance. I chatted with citicards online and the agent said nothing was done with this amount as far as disputes or flags go. He put in the dispute wrong as " goods or services not as expected ''. I called Citi on the phone and after several transfers got connected to a higher-up who said the whole thing is now a mess and should not have happened this way. The card should have been shut off the first time I called the charges reversed. He was going to do some paperwork on it and it will be a while until it 's resolved but it will be fixed.
Two days later I get a dispute letter from Citicards in my email needing a signature. I dispute letter says : Reason for dispute- Goods or Services not as Expeted. I respond to the email stating that I wo n't sign the document because it is wrong. The goods or services were never even purchased by me, it was fraud.
A few days pass and I get another email from Citicards with a new dispute letter that has a blank line for reason for dispute. I fill it in with " fraudulent charges '' and sign it, mail it, and hope for the best.
Today, a month later I get an email from Citicards saying the dispute was in favor of the merchant and I will be responsible for paying the {$1200.00}. I call Citicards a few different times throughout the night and get all different explanations on how their dispute system works and how they do their investigations and get completely different answers for each person I talk to. The guy in disputes says that fraud charges do n't get disputed, they get flagged. The guy in fraud says fraud charges get disputed.
Not once during their " investigation '' did they contact me for anything other than a signature.
Product: Money transfer, virtual currency, or money service

I like many others, according to the XXXX, have been scammed by someone. Early this year i was Online looking for a used RV. I came across this site, XXXX they claim to sell repo vehicles. I contacted them and after discussion via text, phone, and email. They sent me an invoice. I looked up the dealership and low and behold they had a A+ rating on XXXX. And were listed on the local chamber of commerce as a good place. 

On XX/XX/2019 I went to my local Chase branch ( XXXX XXXX XXXX XXXX, XXXX XXXX, WI XXXX ) and spoke to the Customer service rep XXXX XXXX. I explained what was going on and that the seller required a wire transfer. I was on the fence and unsure to send it. But XXXX tole me " The money is guaranteed for scam or fraud. '' So i took that plunge with her assurance. 
The very next day the seller told me they received my money and would start the shipment process. And I never heard from them again. 

Check XXXX  and someone else was also scammed that day. So i left a complaint. 
The next week I reached out to chase and opened a wire transfer fraud claim. Claim # XXXX. It took them 2 weeks to tell me my claim was denied. They had reached out to XXXX  XXXX XXXX and the recipient and asked for my money back. The person refused, XXXX declined and thus Chase denied my refund. Then on XX/XX/2019 I had opened a police report with my local PD. XXXX XXXX, WI case # XXXX.