23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person, I am a living human being, I have rights under 15 USC 1681. 
Equifax is govern by 15 USC 1681.And they violated my rights numerous times. 
I demand the account listed below be removed because, According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish this account. 
ATTORNEY GENERAL-CHI # XXXX Consumerreporting agencies have assumed a vital role in assembling and evaluatingconsumercreditand other information onconsumers. 
There is a need to insure thatconsumerreporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for theconsumers right to privacy.
Product: Credit reporting, credit repair services, or other personal consumer reports

My report 's list of information was inaccurate. I sent it to each credit bureau, asking them to investigate it and review my files. However, that information continues to be reported and has a negative effect on my credit. As a result, the credit bureau did nothing to get rid of the incorrect information listed below. 
PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Experian did not properly investigate disputes on my credit report and thus were not properly removed. I want them deleted off of my credit report.
Product: Debt collection

My husband and son, who have same name, both had procedures done about the same time at a  XXXX  center in  XXXX   XXXX , Co. I was making payments to them and believed I had made last payment just before received a notice from PFC in   XXXX  . I thought they cro ssed in the mail. For four y ears did not hear a thing, then received a collection notice with an extra {$100.00} dollars attached to it. Yes we did owe the original bill, but I believe this to be an under handed tactic to attach more money to the bill to wait four years to attempt to make contact. Our address and contact information never changed. Maybe barely within the law, but very shady. Should not be allowed to do business this way.
Product: Credit reporting or other personal consumer reports

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

Account Name : XXXX  XXXX Account NumberXXXX Account Name : XXXX XXXX Account NumberXXXX Account Name : XXXX Account Number:XXXX  Account Name : XXXX Account Number : XXXX Account Name : XXXX 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 : XXXX XXXX  Account Number:XXXX Account Name : XXXX XXXX XXXX  XXXX Account Number:XXXX has violated my rights. Or a 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: Mortgage

Chase XXXX XXXX is incorrectly calculating escrow payments when a change occurs. 

Chase is calculating the new escrow payment as follows : New insurance amount + New property tax amount + New mortgage insurance amount + Escrow shortage amount. 

My escrow does not have a shortage. They are double counting the change in property taxes- in the increased new property tax payment and in the shortage amount. The shortage is the difference between the old and new payment. The shortage is supposed to get added to the old payments to come up with the new monthly payment. They are adding the shortage to the new monthly payment, thus inflating my monthly payment by {$220.00}. I faxed projected escrow schedules to Chase demonstrating that their monthly payment would result in unused escrow of over XXXX by end of year XXXX while the correct payment amount would cover all costs without dipping escrow into negative. This did not correct the issue so im filing a complaint as XXXX cant be the only customer who has this double counting issue.
Product: Credit card

I continue to get a recurring credit card charge every month for an original cash advance I took out years ago. I called Capital one and am told that the charge is perpetual until the balance is paid off. Note that this is not for additional advances rather a single advance in which I am charged twice each month, resulting in my balance never reducing.
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

i am writing you because Southern finance reported false information to my credit report saying i was XXXX months late on paying a loan when in fact i am current and i was in the middle of hole buying process qnd today my XXXX credit report dropped XXXX points i wan na know how did this happen and I'm looking into suing for defamation as this information is harming me update my reports the way they should be
Product: Credit reporting or other personal consumer reports

I am submitting this complaint to request the deletion of a specific account from my credit report with Experian Information Solutions Inc. due to inaccurate and inconsistent information, based on my rights under the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
Details of the Account in Dispute : Account Number : XXXX, XXXX, XXXX, XXXX Creditor Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Incorrect information identified in reports from all three credit bureaus. 
Legal Grounds for Information Deletion : Right to Accurate Information ( FCRA, Section 609 - 15 U.S.C. 1681g ) : I request that the authenticity of this account be manually verified with the original creditor, rather than relying on the automated e-OSCAR system, and that I receive a detailed explanation of the verification process.

Reinvestigation of Disputed Information ( FCRA, Section 611 - 15 U.S.C. 1681i ) : Under this section, I demand a full reinvestigation of the account and immediate correction of any inaccurate information.

Deletion of Inaccurate or Unverified Information ( FCRA, Section 611 ( 5 ) - 15 U.S.C. 1681i ( 5 ) ) : In accordance with the FCRA, if the information can not be verified, it must be removed from the report.

Responsibility of Information Furnishers ( FCRA, Section 623 ( a ) ( 1 ) ( A ) - 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ) : The creditors inability to validate this information warrants its removal.

Compliance with Accuracy Procedures ( FCRA, Section 607 - 15 U.S.C. 1681e ( b ) ) : The inaccuracy in my report suggests a failure to adhere to required accuracy procedures.

Permissible Purposes for Access ( FCRA, Section 604 - 15 U.S.C. 1681b ) : I request confirmation that access to my report was legitimate. If it was not, I request the removal of any unauthorized data.

Truth in Lending Act ( TILA, Section 1601 - 15 U.S.C. 1601 ) : TILA reinforces my right to accurate information, and the presence of this inaccurate account contradicts that right. 

Supporting Case Law : In XXXX XXXX XXXX XXXX, XXXX ( XXXX XXXX XXXX ), the responsibility of credit bureaus to adequately investigate consumer disputes is emphasized. XXXX XXXX XXXX, XXXX further reinforces the obligation to maintain reasonable procedures to ensure accuracy.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureau Experian has failed repeatedly ( 4 times ) to properly verify and validate a debt by providing key information I requested 4 times.
Product: Checking or savings account

On XX/XX/2023, I opened both checking and saving account with promo code in branch. In order to meet the qualification of opening account bonus offer, I transferred {$15000.00} from my XXXX account ( an American online bank ) to Chase saving on around XX/XX/2023. As I didnt see the {$15000.00} transfer showing on my Chase saving account, I made another {$15000.00} transfer on around XX/XX/2023. The second transfer was cancelled because of insufficient XXXX account balance and later I found the first transfer showed on my Chase account successfully. 

On XX/XX/2023 Chase informed me that they may closed my accounts because of potential fraud. I called at customer service center and they said thats the final decision, Chase will end the relationship with me without giving any explanation. I strongly believed there must have some mistakes so I applied an investigation. 
On XX/XX/2023, They called and said will proceed the investigation. On XX/XX/2023, they called and told me the investigation is closed and the decision of closing my account is final and wouldnt give me any reason why they closed my account, stating that they reserved the right to which customers Chase having business with. So I asked the progress of my {$15000.00} fund, I was transferred to their electronic funding department, which they said this fund was under verification and no estimated time when its going to be done, the transfer is between my accounts under my name and the money is mainly from salary so I ask if they could transfer me to the department verifying the fund or I could provide any information they need in order to faster the process, sadly they refused. It was very frustrated without knowing why Chase closed my account, if theres really ID thief issue related, I should have the right to know. This whole process and my pending {$15000.00} made me feel unsafe toward the safeguard of money in banking system.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted the following dispute letter outlining the blatant errors on my report. The bureau failed to investigate the error and instead returned a response that the item was " updated ''. They have also ignored my requests for proof of the investigation. By law credit information must be 100 % accurate or it must be removed. Disputes are also legally required to be properly investigated. This bureau has been using evasive tactics to violate the FCRA. 

Subject : Disputing Information in Credit Report I am writing to dispute the following information in my file. 
These credit accounts are reporting completely inaccurate information. The last payment date wrong. Transunion is reporting the last payment date as XX/XX/2021, but XXXX is reporting the last payment date as XX/XX/2021. This is an obvious discrepancy. Both payment dates are wrong as I have not authorized any payments from my bank to this company and all attempts were blocked by my bank. Both of these dates are inaccurate and are not consistent with what is being reported. 

The account is listed as : XXXX XXXX I also noticed another account that is reporting inaccurate payment history. The following account : XXXX XXXX XXXX XXXX Is reporting on Transunion that there is XXXX late payments and on XXXX it is reporting that there is one 30 day late, one 60 day late and three 30 day late payments. This is also a clear reporting error that is inconsistent and incorrect I am requesting that these items be removed. By Law, any erroneous or inaccurate information must be removed from the consumers credit report. 

Enclosed is documentation supporting my request : I have attached photos of the incorrect dates and payment history on the accounts The Accounts in question are listed as ; XXXX XXXX XXXX XXXX XXXX XXXX  Please investigate this matter and delete the disputed items I have attached proof of the discrepancies as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX of this year I sent via certified mail a request to verify information on my credit report to both XXXX and TransUnion credit reporting agencies. As of XX/XX/20 I have yet to hear of their investigation results. On XX/XX/20 I initiated a formal complaint that was also sent to each of these companies to " validate '' my information listed on my credit with the original furnisher. I have enclosed a response from the US Bankruptcy Court indicating that they do not furnish any information to the credit bureaus. Further, I have requested that they ( XXXX   and TransUnion ) provide all public information that they have reported on my credit report. If they are unable to validate the information that they have reported on my credit report then I am asking that they immediately remove the bankruptcy listing that is listed incorrectly listed on my credit report. I have enclosed my correspondence to the bureaus and the correspondence from the US Bankruptcy Court to me.
Product: Money transfer, virtual currency, or money service

I've had several issues regarding my cash I was using cash app I've had an account open with them for 3 yrs or longer and just recently I've been having problems with my money not being returned to me there are 4 incidents the 1st was 10 transactions for XXXX and XXXX XXXX is free I fought tooth and nail about that but cash app support blew me off the 2nd one was for {$11.00} I made a transfer from my bank to cash app and they added a quarter to my account apologizing never seen that money the 3rd was in the amount of {$56.00} I canceled a food order and I never received that money I had a chat session with some one everyday about the funds it took place on XXXX XXXX from the merchant XXXX and cash app both companies was feeding me XXXX  and normally refunds take about 3 to 5 buisness days to reflect the representative from cash app had the nerves to tell me sometimes it takes up to 60 days .the 4th one is for {$64.00} I payed this amount at XXXX XXXX and the merchant just completed the final amount of {$39.00} on XX/XX/XXXX  I received a msg from cash app staying the merchant adjusted the amount and I never seen the other portion of the XXXX dollars put back on my account and Everytime i have to go back and fourth with this company asking me questions like why do I think I'm missing money I can clearly read my transaction history just fine and understand what I see I didn't just start banking yesterday they trying to play me for an XXXX im very wise and intelligent I would not waist my time or cash app support time just trying to pull wool over there eyes times are hard and we trust these financial institutes witn our cash
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed unauthorized inquiries with Transunion. I stated that I didnt give consent for my credit to be pulled by the creditors I listed in a letter and they sent me back a generic response. Transunion did not investigate my dispute and did not provide proof of investigation.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX LA XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XX/XX/XXXX Trans Union Consumer Relations XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX Subject : Dispute of Unauthorized Hard Inquiry Under FCRA To Whom It May Concern, I am writing to formally dispute an unauthorized hard inquiry that appears on my credit report. The inquiries in question are : XXXX XXXX XXXX XX/XX/XXXX Inquiry Date XXXX XXXX XXXX Bank XX/XX/XXXX Inquiry Date XXXX XXXX XX/XX/XXXX Inquiry Date XXXX XXXX XXXX XXXX XX/XX/XXXX Inquiry Date XXXX Bank XX/XX/XXXX XXXX XXXX I am XXXX XXXX, a natural person and this is me physically submitting this dispute. This dispute is not being submitted by a third party. 

I have reviewed my records thoroughly and do not recall authorizing these inquiries. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b, a credit reporting agency may only furnish my credit report to a third party under specific circumstances, such as my explicit authorization or a permissible purpose as outlined by law. I hereby request proof of the permissible purpose for this inquiry, including any written documentation showing my consent to this hard inquiry. 

If you are unable to provide such evidence, I ask that this inquiry be promptly removed from my credit report as it does not comply with the FCRAs guidelines. Please investigate this matter and provide me with a written response within 30 days as required by the FCRA. 

Enclosed with this letter are copies of my identification and a recent utility bill to verify my identity. I expect this issue to be resolved expeditiously to ensure the accuracy of my credit report. 

Thank you for your immediate attention to this matter. Please contact me directly at XXXX or XXXX should you require further information. 

Sincerely, XXXX XXXX Enclosures : Copy of Government-Issued ID Copy of Recent Utility Bill Copy of Credit Report with Highlighted Dispute ]
Product: Bank account or service

Dear Sir or Madam : I have confirmation that there was the transaction that between my Checking account ending number in XXXX to the Citibusiness Checking account in the name on XXXX XXXX XXXX XXXX XXXX at XXXX XXXX Branch on XXXX XXXX XXXX. The fund amount was {$50000.00}. However, I have not known the company, XXXX XXXX XXXX XXXX, until I have received the letter from your XXXX, TX, on XXXX XXXX. And I had not received the Personal Loan agreement until I have received the letter from XXXX on XXXX XXXX. In fact, I have a heavy XXXX and I have the Certificate from XXXX agency, and I have received a medication at XXXX medical center, XXXX XXXX ( XXXX ), from XXXX XXXX, XXXX to XXXX XXXX, XXXX. In addition, I have been hospitalized at XXXX XXXX Hospital ( XXXX ) from XXXX XXXX, XXXX to XXXX XXXX, XXXX. And now, I have hospitalized at XXXX XXXX Hospital, XXXX ( XXXX ), from XXXX XXXX, XXXX to XXXX XXXX. My heavy XXXX XXXX was known by many people include XXXX XXXX XXXX of XXXX XXXX XXXX XXXX and the teller. 

I thought your teller, XXXX XXXX XXXX, and XXXX XXXX are friend and XXXX XXXX was a long-standing customer for XXXX XXXX at the time, XXXX XXXX XXXX. I had been called from XXXX XXXX many times and he said that XXXX can make new Business Loan because of my Credit Score and my fund at Citibank and he said that the teller talk XXXX XXXX can make new Business Loan with staying with XXXX. I visit your branch though I did not want to go to your branch. I felt to have already agreed new Business Loan between XXXX XXXX and XXXX XXXX before I visit to your branch. Therefore, I have not explained my personal loan, new CD account, and the transaction for the world. In fact my personal loan for XXXX XXXX 's Business Loan and the transaction had been made within just only five minutes. I think that I could not understand them due to my heavy XXXX XXXX even if they would explain me about them. In addition, I had not received the agreement of the loan and any documents at your branch. These processes were finished for just only five minutes. I have not used PIN code of my Bank card at your branch, I do not know XXXX XXXX 's mailing address, and his company. And I am not friend with XXXX XXXX though XXXX XXXX said XXXX XXXX is a friend with me. There is a possibility of discrimination of XXXX. It would be very big problem if the branch could discriminate my heavy XXXX XXXX.
Product: Checking or savings account

Chase closed down merchant account for no reason and/or explanations. Aside from not being able to process payments, they are withholding a reserve of {$600.00} and have not paid out the {$750.00} promotional bonus. I have also been charged twice for two readers when only one was needed.
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : # XXXXXXXX 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 card or prepaid card

I mailed payments for my VISA and over draft protection on XX/XX/2021 via USPS Priority Mail, tracking number : XXXX. Tracking indicates it was picked up from the Post Office on XX/XX/2021 but not posted to my credit card balance until XX/XX/2021. 

I contacted First Citizens and was told I had to allow the time to sort, etc. This is incorrect as XXXX Payments clearly states. 

( a ) General rule. A creditor shall credit a payment to the consumer 's account as of the date of receipt, except when a delay in crediting does not result in a finance or other charge or except as provided in paragraph ( b ) of this section. 

I have also requested them to close my account which they have refused to do.
Product: Credit card

This is my second complaint on this issue. Please see case # XXXX. My original complaint was because I was not able to get an answers from Amex about the reward points that were in my account. I was told my account was locked for review but no one explained why. 
Amex responded to that complaint with a letter stating that my account was under a standard review and that the points would be available XXXX-8 weeks form the date the spend was met which was XXXX XXXX. That date was in their letter. 8 weeks ended on XXXX XXXX and the points are still not available. I have spoken to numerous people in customer service and membership rewards ( XXXX ) and noone knows why my account is still under review and they state they are unable to connect me with anyone who can help. Today I was told I needed to talk to someone at corporate and " that I would need to figure that out on my own. '' Seriously? This is what Amex calls customer service for a platinum card? I am still waiting for the call back that I requested 2 weeks ago. I am trying to book a trip on XXXX XXXX in XXXX class on a promotion they have now for XXXX points to go visit my son in XXXX. That promotion ends today. I have spoken to over XXXX people in the past 3 days trying to get this resolved and have gotten nowhere. I am beyond frustrated and seriously disappointed with the lack of help from XXXX XXXX Amex.