23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

On XX/XX/XXXX, I noticed six pending transactions, each the amount of XXXX dollars and XXXX cents in my chase mobile app after I got off of work, all from the merchant XXXX XXXX. I tried to dispute it in the mobile application but it would not allow me to while it was still pending. I immediately locked my credit card and reached out to chase to report the incident and request a new card. 
On XXXX XXXX I received an update letter in Chases mobile app titled Update : we completed our review of unauthorized transaction ( s ) on your account that stated, We removed the above transaction ( s ) from your current account and have issued credit ( s ) for any related interest charges and fees. The previously issued credit ( s ) are now permanent. 
The following day I received a phone call that stated the Fraud Department had changed their mind because I have used my credit card at that location before and therefore it is valid because the merchant already had my card information and told me to contact XXXX to get it resolved. Following that phone call the charges were reposted to my account. I called back to express that I moved in XXXX and no longer live near that store and that I was working when the charges were posted, they offered to review it again. I even emailed my work schedule to XXXX prove that I wasnt anywhere near the store when the purchase ( s ) happened. 
On XX/XX/XXXX I received another letter in the mobile application titled Update : We reviewed your fraud claim again ; heres what we found. Where Chase banks new resolution was that the charges were valid. No reason was listed in the letter. 
On XX/XX/XXXX I spoke to a store employee and they gave me the phone number of XXXX customer relations. I called and they said that XXXX can not do anything to prove fraud and I would have to contact the bank.
Product: Credit reporting or other personal consumer reports

I've maintained a regular payment schedule, and these late payments are not accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX and XXXX do not do real investigations. They will submit it and take the collection agencies side. I have done multiple disputes to even get actual account info and it seems all they have to do is see a name on a bill and take that for face value. I am sick of these agencies not doing real investigations into disputes. For instance one agency experian removed XXXX XXXX  XXXX XXXX  and the other ( XXXX XXXX and XXXX ) said it was valid within a couple days. No investigation happen this is destroying peoples lives.
Product: Mortgage

I received a mortgage reinstatement quote of {$11.00}, XXXX from XXXX XXXX, XXXX on behalf of Selene Finance with a Good Through Date of XX/XX/year>, which listed attorneys fees at {$1400.00}. 



As stated in the quote The reinstatement figures above include items paid by the lender or servicer or incurred by XXXX XXXX XXXX XXXX, and are currently due. Additional fees may be assessed, and this amount may change as further charges accrue. We recommend contacting XXXX XXXX XXXX XXXX at ( XXXX ) XXXX to confirm any additional fees before making payment. 



Following this advice, I contacted XXXX XXXX XXXX XXXX on XX/XX/year>, to verify the quote. I was assured that no additional fees had been incurred and that the listed attorneys fees were correct. Based on this information, I wired the full reinstatement amount of {$11000.00} on XX/XX/year>, and received confirmation that the loan was reinstated. 



However, upon Selene Finance applying the funds, I was informed that my account still shows an amount due for the XX/XX/XXXX mortgage payment. I also discovered that Selene Finance applied a different quote, with attorneys fees increased to {$2400.00}, instead of the {$1400.00} confirmed by XXXX XXXX XXXX XXXX. 



Selene Finance applied the funds as follows : 3 payments of {$1300.00} for XXXX, XXXX, and XXXX {$2600.00} for XXXX and {$510.00} for late fees Unapplied funds of {$750.00} 2 payments of {$1300.00} for XXXX and XXXX This allocation left XXXX marked as unpaid, despite my confirmation with both Selene Finance and XXXX XXXX XXXX XXXX that the reinstatement included the XXXX payment. 

This discrepancy has also caused my XX/XX/XXXX automatic payment to be canceled by Selene Finance due to a past-due status. I have called daily since the funds were applied on XX/XX/year>, attempting to resolve this. However, I am advised to refrain from further payments, as they would only be applied to the XXXX balance, generating further unapplied funds. 

I submitted a request from XXXX XXXX, XXXX to provide what they had sent to Selene Finance as the reinstatement quote and to advise if there was two different amounts for attorney 's fees and i keep getting told they don't speak to how Selene Finance handles applying funds. I have not asked them for that. I asked they provide documents they sent to Selene Finance for attorney 's fees. 

I will provide all correspondence with both the mortgage provider and the law firm.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts do not belong to me and I'm disputing these accounts in accordance to the consumer laws of the FCRA. I've also sent in a police report. I'm asking that the following accounts are removed, and blocked from my credit file. [ 1 ] XXXX XXXX, {$310.00}, {$240.00}, {$180.00}, {$60.00}, either account belongs to me. 

[ 2 ] Dept of ED/XXXX {$13000.00}, {$7400.00}, {$4400.00}, {$3700.00}
Product: Credit reporting or other personal consumer reports

I recently mailed a letter to Experian requesting verification of an inaccurate accounts reporting on my consumer report in the file that this bureau maintain under my social security number. I received a response stating the account was verified as accurate. Under FCRA611 ( a ) ( 7 ) Experian is required to forward me all relevant information to the original creditor to ensure a proper investigation, and they did not do that. 
Once again I am formally requesting their method of verification.
Product: Debt collection

Today I received a debt collector letter from the XXXX XXXX stated I owed to Citibank the amount of {$900.00}, I believe this type of action is fraudulent on nature between Citibank and its Debt Collector XXXX XXXX. 
I disputed the same amount {$900.00} with Citibank several years ago also I did disputed las XXXX 2016 with another Citibank 's Debt Collector XXXX XXXX XXXX. CFPB Case # XXXX. 
At This Time I would like to ask the CFPB to Ask Citibank and Its Debt Collector XXXX XXXX to cease any collection on the amount they said I owe them. 
There is the second time CITIBANK is attempting to collect something I disputed on the past, I do n't know if At this time Citibank and its debt collector are violating any rules of FDCPA, if its so I would like to be compensate it for.
Product: Credit reporting or other personal consumer reports

After receiving a, " XXXX XXXX  ALERT, '' Concerning my XXXX Credit Report I do not have/nor have had any contracts or attempts therein for contracts/Leases with any of the, " Ascertained Named Companies/Financial Institutes XXXX XXXX BELOW The information obtained was, FRADULENT therefore, I REQUEST IT BE IMMEDIATELY REMOVED FROM MY CREDIT AS FRADULENT. 

FRADULENT INQUIRIES AS SEEN ON CREDIT REPORT : 1. ) CAPITAL ONE BANK USA Inquiry : XX/XX/XXXX XXXX. ) XXXX Inquiry : XX/XX/XXXX XXXX. ) CAPITAl ONE BANK USA Inquiry : XX/XX/XXXX XXXX. ) XXXX Inquiry : XX/XX/XXXX XXXX. ) CAPITAL ONE BANK Inquiry : XX/XX/XXXX XXXX
Product: Student loan

They sent me a cosigner application form and I submitted it back, but they didn't approve that form.
Product: Debt collection

On XX/XX/18 I checked my credit monitoring app and seen I had a new collection on my reports from a XXXX XXXX XXXX XXXX. I have NO knowledge of who this company is and the claimed debt of {$400.00} that is stated to be owed on my report. I have disputed this debt with XXXX. I have never been contacted by this company at all. I feel victimized and that it is a violation to maliciously place invalid, unverified, and unannounced accounts on consumer credit reports.
Product: Credit reporting or other personal consumer reports

I have sent TransUnion several letters and proof of the inaccurate information reported on my credit profile and they refuse to change it. This has dropped XXXX points off of my credit score.
Product: Credit card

I applied for a personal loan thru my local bank and was notified at this time that there was a Capitol One Credit Card on my credit bureau that was showing as a bad debt. I contacted Capitol One immediately and notified them that this was not my account and that it was fraudulent. They conducted an investigation and stated that this was my account and I asked them how they are linking this account to me and there has not been one person that can give me a reason as to why they are linking this credit card to me. I have told them over and over again that this is not my account. I have never applied for a Capitol One credit card nor have I ever received a Capitol One credit card. This was done fraudulent and is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

1-This company called ( XXXX ) is involved in reporting erroneous information about me to experian at the status level where they write : XXXX. 
For recall, the account was settled and paid therefore the status shouldn't be charge-off anymore. 
I have attached proof of settlement and paid off on my complaint. 

2-This company ( XXXX  ) is also reporting wrong address information about me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Multiple times I have shown the bureaus how they are violating the Fair Credit Reporting Act, when it comes to my credit report I am exhausted with trying to come to a resolve According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate Someone needs to hold them accountable for this Following accounts XXXX XXXX XXXX XXXX XXXX ( NO ACCOUNT NUMBER REPORTING SEE ATTACHED XXXX  XXXXXXXX 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: Checking or savings account

A transaction in the amount of {$800.00} was deducted from my acct using debit card. I disputed this transaction on XX/XX/23 as this was an unauthorized charge due to the loan never being received and canceled. I was informed by my bank that they were allowed an opportunity to appeal but I was never informed. Wells Fargo representatives told me that the decision making was up to XXXX and not them. I was told that I was not allowed to submit additional information even though the merchant/loan company was allowed to do so. I was not contacted until the claim was denied. I called several times and was transferred to several different departments with no answers to show for. I never received the loan as I canceled it before funds could be given to me. Wells Fargo representatives could not even find the amount on my account and just told me that I had no recourse with them and just had to pay the money no matter what. I explained that I could not afford to pay such a large sum and especially given its for something I did not receive. I need for the payment to be reversed.
Product: Credit reporting or other personal consumer reports

I accepted an offer of employment on XX/XX/24. I gave consent to a background check by providing the last four digits of my social security number along with agreeing to all terms during the application process, well before accepting an offer of employment. On XX/XX/24 I provided my full social security number and verified my information to confirm my identity. I was hired and started the job training on XX/XX/24. My offer of employment was placed on hold on XX/XX/24 due to a delay in the return of my background check. I was asked by the company to not return back to work until the background check has returned. The background check was performed through Sterling. Sterling is very unprofessional by failing to complete employment background checks in a timely manner. From my understanding it has been fourteen days. Companies can not delay employment offers due to Sterling 's inability to perform its duties in a timely manner. Sterling has stalled the background process for no apparent reason. Sterling promote a turn around time of 3-5 business days with most backgrounds completed within 48 hours. I am disappointed with this company along with any state entities and/or employers that has contributed to the delay of my background. I did not receive an update until I requested an update.
Product: Credit reporting or other personal consumer reports

have contacted all companies : XXXX, TransUnion, and XXXX, and expressed my request for them to remove the inquiries. However, I was informed that they would do so, but they never have. 

They furnished my consumer reports to different companies without a permissible purpose, as per 15 USC 1681b ( 2 ), or knowingly without a legitimate business reason pursuant to 15 U.S.C 1681b ( a ) ( 3 ) ( F ) ( i ).

The Fair Credit Reporting Act ( FCRA ), 15 U.S.C 1681b ( a ) ( 3 ) ( F ) ( i ), for unlawfully furnishing my consumer report on different dates without my authorization or a permissible purpose under the 15 USC 1681b ( 2 ) Fair Credit Reporting Act ( FCRA ) and its guidelines for permissible purpose.

A person shall not use or obtain a consumer report for any purpose unless : The consumer report is obtained for a purpose for which the consumer report is authorized to be furnished under this section. 
The purpose is certified in accordance with section 1681b ( f ). Chester v. Purvis, 260 F. Supp 2d 711 ( S.D. Ind. 2003 ). 
I have been added in several data breaches : Data breaches : Review the data potentially exposed in XXXX breaches : XXXX XXXX XXXX XXXX Subscriber Data Reported XX/XX/XXXX XXXX XXXX  Reported XX/XX/XXXX XXXX Reported XX/XX/XXXX Not Disclosed Reported XX/XX/XXXX XXXX Email List Reported XX/XX/XXXX Not Disclosed Reported XX/XX/XXXX XXXX Reported XX/XX/XXXX 2019
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello my name is XXXX XXXX and I have been a victim of Identity Theft! 

Based on, 15 U.S. Code 1681c2 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, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! 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 under 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 listed IMMEDIATELY!
Product: Credit reporting or other personal consumer reports

I am sending this correspondence to address significant concerns regarding the accuracy of my credit report Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must update to correct as paid on time. 


Pursuant to the FCRA, a consumer report does not include any report containing information solely about transactions or experiences between the consumer and the person making the report. Any reporting of late payments or derogatory statuses is a direct violation of 15 USC 1681a ( d ) ( 1 ) as that information pertains to experiences those accounts tag as billing error are inaccurate late payment history should be updated to paid on time as it is in multiple billing errors under 15 U.S. Code 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor. 
(

5 ) A computation error or similar error of the accounting nature of the creditor on a statement. clearly in Violation of the United States Code Law ( TILA 15 U.S. Code 1666 ( b )
billing error ) must update to correct as paid on time. 



any continuation of providing negative information required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) And charge off accounts that is tag or labeled FDCPA Section 807 Violation Misleading False Reporting should be deleted and collection account Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report no consent is identity theft Instruction : As a consumer by law this account must be deleted immediately. 


a copy of which is enclosed which states that this information must be removed within four business days of receipt, Including inquiries that's Violated the United States Code Law 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer. should be deleted in the credit report I am requesting that the adverse information on the items be removed to correct my credit report. 

Please investigate these matters and remove the disputed items as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my other endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 



XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$120.00} ; 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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX Phone ( XXXX ) XXXX Inquiry Type Individual -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - XXXX XXXX  Location XXXX XXXX XXXX XXXX XXXX, VA XXXX Phone ( XXXX ) XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Phone ( XXXX ) XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- XXXX transunion interact Location XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Phone ( XXXX ) XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Location XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, IL XXXX Phone ( XXXX ) XXXX in accordance with the Fair Credit Reporting act all these companies 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 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

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

XXXX XXXX, Account Number : XXXX, XXXX XXXX XXXXXXXX, XXXX, Account Number XXXX, XXXX XXXX, Account XXXX XXXX, XXXX XXXX XXXX Account Number XXXX, XXXX XXXX XXXX, XXXX XXXX, Account Number XXXX, XXXX XXXX Account Number XXXX, XXXX XXXXl XXXX Account Number XXXX, XXXX XXXX XXXX Account Number XXXXXXXX XXXX XXXX  XXXX, Account Number : XXXX, XXXX XXXX, Account Number XXXX, XXXX XXXX, Account Number XXXX. XXXX XXXX, Account Number XXXX, XXXX XXXX, Account Number XXXX, XXXX XXXX, Account XXXX, XXXX XXXX, Account Number XXXX, XXXX XXXX, Account XXXX, XXXX XXXX, Account XXXX, XXXX XXXX, Account XXXX XXXX, Account Number XXXX  XXXX, XXXX XXXX, Account number XXXX, XXXX XXXX, Account XXXX, XXXX XXXX, Account XXXX, XXXX XXXX, Account XXXX, XXXX  XXXX, Account Number XXXX, XXXX XXXXXXXX, XXXX, Account Number XXXX, XXXX XXXX, Account Number XXXX, XXXX Account XXXX : XXXX # has violated my rights. 

15 U.S.C. 1681 section 602 A. States I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 items 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

My car was broken into and all my information was stole causing my bank accounts to get shut down due to fraud activities.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXX Balance : {$13000.00} XXXX XXXX XXXX Balance : {$69.00}.