23daVinci/CFPB_Complaints huggingface dataset:
Product: Bank account or service

On XX/XX/2016, a deposit of {$940.00} from my XXXX pension and {$110.00} from my XXXX XXXX XXXX pension was deposited into my Chase Bank personal checking account. I stopped at a Chase atm at XXXX XXXX XXXX in XXXX, NY to withdraw {$600.00} however the atm was faulty and never distributed the funds. I stood in front of that same atm until the branch opened at XXXX and the Chase representative immediately shut down that very same atm machine. He then called the home office and was advised that the account would be rectified within six ( 6 ) hours. I trusted their word and on XXXX/XXXX/2016, I checked my account via mobile banking only to learn that the funds had still not been credited back to my account as promised. Consequently, I returned back to the same branch on XXXX/XXXX/2016 and the same representative that assisted me on the initial incident date, assisted me again and made a subsequent call to the home office. At this time, my account was credited the {$600.00} ( as a pending transaction ) and the home office representative advised that Chase was having problems with postings credits/debits to accounts and that I would have to wait until XXXX/XXXX/2016 for them to reconcile their books in order for them to make the necessary adjustments to my account. On XXXX/XXXX/2016, my social security benefits {$1600.00} was deposited into my account and on XXXX/XXXX/2016, the pending {$600.00} transaction was deducted again. Once again, I returned back to the same atm branch and a different chase representative called the home office again ( 3rd time ) and I was informed that they would credit another pending {$600.00} until XXXX/XXXX/2016 and if Chase had not reconciled my account by then, the same pending {$600.00} would again be deducted. To present date, I am still fighting to rectify my account since XXXX/XXXX/2016 when I NEVER received the initial {$600.00} withdrawal from the atm and I have incurred numerous overdraft fees as a result.
Product: Credit reporting

I have contacted each negative report on my account and was told by the majority of them that their company did not make the negative report and did not know where it come from. All the credit card company increased my line of credit and other have sent me letters.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a dispute out to all three main credit bureaus and ask for validation of the debt of an account. They all came back as verified. I then contacted the Bankruptcy court and they informed me that they did and do not verify debt with bureaus. I am requesting that they send me the Method of verification of this debt. 

I am writing to request the method of verification for the dispute initiated between 30-60 days ago.

Chapter XXXX Bankruptcy Case Number : XXXX Please send the following information used to verify the validity of CHAPTER XXXX BANKRUPTCY Case Number : XXXX 1. The name of the original creditor 2. The creditor 's address and telephone number 3. The persons name they verified the dispute with 4. The  documentation used to verify the dispute I personally have an attached letter from the court stating that the did not verify the dept to Credit Bureaus. 

In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy, and appropriateness. In lieu of sending the information, you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 12th 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 XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$4000.00} XXXXXXXX XXXX XXXXXXXX Balance : {$16000.00} XXXX XXXX Balance : {$9100.00} XXXX XXXX XXXXXXXX Balance : {$4000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I started receiving e-mails from XXXX XXXX  and XXXX XXXX on XX/XX/XXXX that changes had been made to my profile information. When I signed into my accounts the address, phone and e-mail had all been changed. I have checked all of my profiles and found that they have also done this to my XXXX XXXX, and XXXX XXXX, Equifax, XXXX XXXX XXXX account. I have called all of the affected credit card companies to report the fraud and cancel the cards. I have reported the fraudulent information to XXXX and they have deleted all errors. I can not reach Equifax or XXXX by internet or phone. I have attached a list of all the accounts that were affected. I also took screen shots of the accounts that they had changed my profile in. I will attach some of those as well. 

There have been many attempts to open credit cards and loans using my identity and twice they have gone into XXXX to change my address. This address also shows under my addresses listed on Equifax and XXXX. I have attached a list of all the accounts that they tried to open. 

I believe my identity theft is due to the Equifax Breach. Although my first indication that something was wrong was on XX/XX/XXXX, the first fraudulent attempt to open an installment loan was through XXXX XXXX XXXX on XX/XX/XXXX. 

I have created an identitytheft.gov account. My FTC Report Number is XXXX. I am not attaching that report because it has personal information on it. 

I have placed a 90 day fraud alert at all Bureaus. I have placed a freeze on my account with XXXX. I can not access my XXXX account due to tampering therefore I can not freeze that Bureau. I can not access Equifax by phone or on-line to freeze that Bureau. I have called and spoken to someone at Equifax whose sole purpose is to tell you to go to XXXX XXXX XXXX. I had done that when the breach was announced and then tried to enroll on the dated given to me of XX/XX/XXXX. On XX/XX/XXXX, I received my e-mail to access the TrustedID Premier Account, but I receive a Credit Lock Status Error. 

I have reported my identity theft to the XXXX, XXXX Police Department. The Report number is XXXX and is being handled by XXXX XXXX. His phone number is XXXX. I have reported my identity theft to the XXXX, XXXX Police Department. The Report number is XXXX and is being handled by XXXX XXXX. His phone number is XXXX ext # XXXX. 

The fraudulent address, phone and e-mail are : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX This is an e-mail account that I never created
Product: Credit reporting, credit repair services, or other personal consumer reports

I told XXXX, XXXX and Equifax to please investigate this account : XXXX XXXX XXXX ; Account number : XXXX. They stayed this account was verified and accurate. However, I found several errors reporting on this account ... A closed account should not be reporting late payments after the date closed, should not be reporting a monthly payment due and past due accounts!!! 
I want this account deleted/removed from my consumer report. 
15 USC 1681 602 A. States I have the right to privacy.

15 USC 1681 A Section 2 States a consumer reporting agency can not furnish information on my consumer report without my written consent.

15 USC 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: Mortgage

I took out a mortgage loan with the XXXX XXXX XXXX XXXX for my mortgage on XX/XX/2021. The loan is serviced by the Credit Union Mortgage Association [ XXXX  ]. In XX/XX/2021 XXXX  began overpaying taxes due to Washington DC by several thousand dollars. This resulted in a negative balance for my escrow account and a significantly positive balance on my tax account with the District of Columbia. Due to the way the District of Columbia Office of Tax and Revenue accounts for overpayments I am not entitled to collect this overpayment myself. Only the organization or individual that made the payment may claim the refund for overpayment. To make up for this incorrect overpayment XXXX has increased the amount of my mortgage due each month from {$1800.00} to {$3200.00} ; a sum I definitely can not pay. I am in severe risk of losing my house because of this improper accounting by XXXX. Despite pointing out the issue and providing documentation of the overpayment XXXX has made no effort to correct the error, refund the overpayment, and recalculate my mortgage payment back to what it should be.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit reporting act. XXXX account # 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 instruction. 

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

Recent reports from the Consumer Financial Protection Bureau ( CFPB ) indicate that Equifax has failed to properly investigate consumer disputes. A lawsuit has even been filed against Equifax for violating consumer protection laws by not complying with the Fair Credit Reporting Act ( FCRA ). 

Under federal law ( 15 U.S.C. 1681i ), Equifax is required to thoroughly reinvestigate disputed items within 30 days and remove any information that is inaccurate, incomplete, or unverifiable. Ignoring this obligation is a direct violation of my rights. 

I am disputing the following negative items, which I strongly believe may be linked to a data breach : XXXX XXXX XXXX  I have already provided supporting documentation multiple times, yet these errors persist. The lack of corrective action has caused me financial harm and unnecessary distress. 

I have a legal right to an accurate credit report, and I expect these items to be properly investigated and removed immediately.
Product: Student loan

I went to XXXX XXXX with the understanding I would not be paying money back. My XX/XX/XXXX taxes were kept this year due to Default on Federal Student Loans through Sallie Mae. I did sign some papers when I started there in XX/XX/XXXX and XX/XX/XXXX with the intent of not having to pay any money back. I called Sallie Mae on XX/XX/XXXX and they informed me that my loan was sent to another company in XX/XX/XXXX. I ran my credit, and according to my credit history my balance owed to Sallie Mae is {$0.00}, and my loan was transferred three times. I have filed my taxes every year with my husband and have never had any money taken for any debt I've owed for any federal misunderstandings before. I called the Dept. of Education in Texas and they will not speak to me until my loan comes out of default, they transferred me to another company, XXXX XXXX on XX/XX/XXXX. I talked to a lady there who said my loan is up to {$21000.00} or more! Now she mentioned my social security number has been in and out of offset through the Dept. of Education since XX/XX/XXXX. With setting up payment plans with XXXX XXXX for {$5.00} for 10 months they can get my loan out of default and then the Dept. of Education will talk to me. I ran my social security number through the IRS and my number comes back with zero debts and no offsets with my name or ss number on XX/XX/XXXX. This was a non accredited college, that's closed. They would not even give me my degree.
Product: Debt collection

This is a third party company trying to collect on a debt for TEMPOE LLC. I received a settlement from a lawsuit XXXX this company and no further collections was agreed in the lawsuit Settlement plus a Refund. I supplied the company With the information that I received from CFP B. But they are saying that the debt is valid.
Product: Debt collection

XXXX XXXX is reporting on my credit report for account XXXX. I called over the phone after getting a letter from them requesting to settle in the amount of {$200.00}. I explained due to the significant financial hardship I am experiencing, I am unable to pay any amount at all due to my medical condition that I have been dealing with for quite some time. When I called I mentioned that even their website says they will suspend Collection activities when a consumer demonstrates that he or she is experiencing significant financial hardships due to medical.
Product: Credit reporting, credit repair services, or other personal consumer reports

I wrote each bureau regarding accounts that are currently reporting to my credit that are a result of identity theft and are not mine. In my request I asked them to remove these items due to them being a result of identity theft, and they have not done so and they have not responded. 

XXXX are reporting the following fraudulent accounts : XXXX XXXX, XXXX XXXX XXXX , XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX and Experian are reporting the following fraudulent accounts : 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 I then asked them to provide proof that these were my accounts due to them not having removed them and they did not respond. Both failed responses exceeded the 60 day standard timeframe it takes for them to respond.
Product: Debt collection

I have attempted to reach LVNV Funding on numerous occasions regarding this debt that I allegedly owe. I never had an account with the original creditor and have also received no response from them when asked to show documentation or a signed contract. I know that I have no signed contract with LVNV Funding nor did I authorize them to open an account in my name. It is illegal to add unverified and/or inaccurate information to a persons credit profile.

With that said I am demanding that LVNV funding provide original signed contracts that prove they are attempting to collect a debt from the correct person, confirm that the account in question has not passed its XXXX, proof that they are a licensed debt collector in the state in which they are attempting to collect from along with their license number AND proof that they have the legal authority to represent the original creditor in legal matters. 

If these things can not be provided I will be handing this over to my attorneys and seeking any and all remuneration under the law as this entry on my credit report is unlawful and has damaged my credit rating.
Product: Debt collection

In accordance with the fair credit reporting act XXXX account has violated my rights. 

15 USC 1681 Section 602 Stated I have the right to privacy.

15 USC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B stated a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Debt collection

NATIONAL CREDIT XXXX ( Original Creditor : XXXX  ) XXXX Collection {$1100.00} XXXX XXXX XXXX XXXX {$520.00} ' XXXX been disputing these XXXX debts for 3 months already and they havent fall off.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items 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 XXXXXX/XX/XXXX
Product: Debt collection

i am a XXXX person with XXXX XXXX XXXX XXXX i have medicaid an medicare and they paid all my medical expenses so i do n't know what this debt is
Product: Debt collection

American Adjustment Bureau and XXXX XXXX are piling collections that I have tried to dispute directly and indirectly through the companies and XXXX for over two years. I was on XXXX at the time, then XXXX, and worked to get rid of the debt through the hospital that treated me ( XXXX XXXX XXXX ). I am requesting that these debts be completely relinquished from my current record.
Product: Debt collection

This debt is not mines. I have no knowledge of this debt collection agency.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX was paid in full as of XXXX XXXX. It was never in collections nor was it a charge off because it's a child support account. Child support is no longer active and I have a {$0.00} balance, yet I received a notification of this account now reporting as delinquent/charge off. This account is not delinquent and should not be reported that way
Product: Credit card or prepaid card

I redeemed my credit cards rewards points towards XXXX XXXX XXXX XXXX card on XX/XX/. However, have never received the digital card, the only email I received was the rewards order confirmation. 
I called Chase three times during the month, got very nasty responses from the representative and the XXXX of the day. They all told me to wait for a response and is still an open investigation status after a whole month. The representative and the XXXX over the phone said theres no way for them to contact the department whos doing the investigation. They said they escalated it twice, but I still received no communication from Chase either through email or mail. 
The XXXX on the line was very rude and nasty and gave me an attitude. Seriously if the fault is from Chase and you are the representative, shouldnt you try to solve the problem instead giving customers an attitude?! This is very frustrating and unacceptable for chase. I have home renovation projects that are being delayed due to this issue. Chase is not actively taking actions to solve this problem, instead they push back and forth the problems between departments.
Product: Checking or savings account

I received a Welcome email from Frost Bank regarding opening a new account on XX/XX/2023, at XXXX XXXX I then received two more emails stating that the security questions had been changed around XXXX XXXX on XX/XX/2023. I walked into a location bank branch and reported that an account was open in my maiden name as I changed my name at the beginning of the year. I provided the rep with my new ID and advised her that I didn't authorize the opening of an account with this financial intuition.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of a fraudulent account and inquiry on my credit report due to identity theft related to a data breach. Pursuant to 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), please take immediate action to block and delete the following : Fraudulent Account XX/XX/XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX ; XXXX XXXX XXXX XXXX, MI XXXX ; XXXX XXXX XXXX Balance : {$79000.00} ; XXXX XXXX XXXX  XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$8100.00} ; XXXX XXXX XX/XX/XXXX ; XXXX  XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX .
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of Identity theft and have sent Experian a letter to let them know on XX/XX/21. They received the letter on XX/XX/21, along with an Identity Theft report & identification. There are two fraudulent accounts on my report that have been a result of identity theft, namely : XXXX XXXX Account # XXXX XXXX Account # XXXX Experian has yet to take any action on this serious matter.
Product: Vehicle loan or lease

Most importantly, I am not debating or concerned about the denial. 

I called TD Auto Finance to get some clarification about terms used within their letter. They refused and directed me to a third party who had nothing to do with the letter. 

The representative then verified with her supervisor that TD Finance would not be able to discuss the letter with me. 

Contradicting that information is the statement in the letter itself, " If you have any questions regarding this notice you should contact us at the above address TD Auto Finance, XXXX. XXXX XXXX, XXXX XXXX, MI XXXX.
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 these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX Balance : {$10000.00} XXXX XXXX XXXXXXXX Balance : {$2400.00} XXXX XXXX XXXXXXXX Balance : {$1700.00} XXXX XXXX XXXX  XXXX Balance : {$31000.00} XXXX XXXX XXXX Balance : {$11000.00} XXXX XXXX Balance : {$15000.00}
Product: Vehicle loan or lease

Hello I purchase a vehicle used with the the car store here in XXXX and I was also financed on a lot through their company to XXXX I've been in good standing with them for years 7 months starting my loan back in 2019 XXXX if I'm not mistaken Pier I recently got laid off my job and XX/XX/XXXX and I also file for unemployment but I have not got paid in unable to get in contact with unemployment so as of right now I'm old XXXX from unemployment that I have not been paid which cause my car to get repossessed I asked The Car Store to refinance my car where I originally financed it at and they are refusing to do so I spoke with XXXX, XXXX, and XXXX in the loan office of The Car Store. They were very rude and constantly hung up the phone on me when I'm trying to get answers I'm currently behind {$560.00} and was told that I can keep my car if I paid {$130.00} every two weeks but once again I haven't got my unemployment and I'm asking them to refinance my car so my payments can be lower and on a monthly basis and they're saying that they do not do that and they refuse to even though they financed my car