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

We have a business checking accou nt in Chase.  A wire of  XXXX  dollars was sent to ou r Chase acc ount back to  XXXX   XXXX . We only get credit of  XXXX  dollars. Th en Chase ch arge us  XXXX  dollars wire fee from this  XXXX . So  XXXX  dollars was gone before wire came in our account.   Has been talking wit h Chase for 5 months. Chase  refused to provide information about how this charge occurred and how it was calculated? No answer why it is not on the service charge list if it is  Chase took th e money.   By back and forth betwee n Chase a nd the  XXXX  bank,  Chase a dmits that the wire came  in Chase  in  XXXX  dollars, and they deduct  XXXX  dollars before credit my account. But they refused to provide information about why this  XXXX  dollars be charged before coming in my account.   Since the  XXXX  dollars was deducted before it came in our account, it is different with they charge from our account as the fee we knew  XXXX  dollars.   How could someone took our money without our authorization?
Product: Checking or savings account

On XX/XX/22, I called M & T bank in an attempt to close all my existing accounts. I was told my account was inactive, which is fair since I haven't used it in awhile. I was put on hold while a supervisor helped me unlock my account. Then I was told the account can not simply be closed, but instead I had to decrease my balance to {$0.00} first. I went onto XXXX in an attempt to buy a gift card with the remaining balance in my checking account of {$0.00} and the transaction was declined. I attempted again and this resulted in another decline. In my final attempt to clear my balance, I tried logging into my account after I confirmed my username and used a temporary password the phone operator had given me. I still can not log in. I just can not believe the resistance I had to push through which ultimately ended up in failure. It is pretty ridiculous I have to contact the CFPB and waste everyone 's time when all I want is to simply close all my M & T accounts.
Product: Payday loan, title loan, or personal loan

I purchased furniture on XX/XX/XXXX from Ashley furniture with an agreement to pay equal installments over 18 months with no charge of interest. [ Ashley Agreement attachment ].

As soon as the account was set up I scheduled 16 monthly payments of {$120.00} each  to pay on the XX/XX/XXXX of every month so I was sure to have the total balance paid off prior to the 18 month agreement. [ 16 payments XXXX XXXX  Online billpay attachment ]. The first payment paid prior to the statement due date. 
Electronic statements were sent, however since I could see the payments being automatically dispersed by my bank, I did not study them. 
When I received notice from the bank that my last payment was about to be sent at the same time I received a statement indicating I owed $ 800+ on the account I called the company. [ XX/XX/XXXX statement attachment ] I first spoke to an account manager and told her I had paid the account on a regular basis and should not have to pay the late fees or interest charges because I made payments every 30 days. She would only rescind three late fees. I spoke to her manager and was told the same thing.
Product: Credit reporting or other personal consumer reports

I have requested Experian to correct my address to XXXX XXXX XXXX XXXX, XXXX FL XXXX numerous times and they keep ignoring my requests and because of the address issue my report comes out as no report on file which then makes it difficult to get financing for my business when I need it. Also they keep reporting late payments on my XXXX XXXX XXXX Account XXXX... which are not. I have attached the supporting documents
Product: Credit reporting or other personal consumer reports

I submitted dispute with CFPB on XX/XX/XXXX for the following item XXXX XXXX They have come back saying the information was verified I am now sending facts showing the inaccuracies with a copy of credit report showing inaccuracies. 

XXXX XXXXXXXX each bureau reports a different date of last activity, different dates listed under " date of last payment '', the balance is higher than the high balance, The open date is different on all 3 bureaus, you said date of last payment was XX/XX/XXXX but in payment history it shows on time payments were made in XXXX, XXXX, and XXXX. how can this be? How can the credit bureau claim information is verified when inaccuracies persist on the credit report? This raises questions about the effectiveness of their verification process and the need for transparency and accountability in credit reporting. At this point, I can't help but feel like I'm being discriminated against. I demand this account be removed asap
Product: Credit reporting or other personal consumer reports

I reviewed my credit report on XX/XX/year>, and realized that there is a medical collections bill reflecting on my credit report. 

I am writing to formally submit a complaint against the collection agency XXXX XXXX XXXX for reporting a medical bill on my collections report. I believe this reporting constitutes a violation of the Health Insurance Portability and Accountability Act ( HIPAA ) and infringes upon my privacy rights. 

Under HIPAA, medical information must be kept confidential and can not be disclosed without my explicit consent. The reporting of this medical debt not only adversely affects my credit report but also exposes sensitive health information, which is against HIPAA regulations. This situation raises serious concerns about the handling of my medical data and my rights as a consumer. 

I request that the CFPB investigate this matter and take appropriate action against the collection agency for their apparent disregard of HIPAA laws. Thank you for your attention to this urgent issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to know how the bankruptcy that is on my credit report was verified and by which company?
Product: Mortgage

Im trying to refinance with Quicken loans. 
I locked in an excellent rate. Rates have gone up since and they are stalling, asking for the exact same things 3-4 times, very slow responses to my ask for clarification, turning off the website area to upload docs required. 
Bait and switch
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention the unresolved issue concerning late payment account on my credit report. Despite previous attempts to rectify these discrepancies, they remain unaddressed. The ongoing issue with late payment accounts remains unresolved, causing concerns and potential financial repercussions. I kindly request a thorough review and prompt resolution of these issues to ensure the accuracy and fairness of my credit report. Your immediate attention to this matter is greatly appreciated. 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts though your company claims to has verified these. 

Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me.

As in Cushman v TransUnion, Stevenson v. TRW ( Experian ), and Richardson v. Fleet, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Student loan

Loan was sold to a company that I had no knowledge of. Harrassing and unwilling to seat up payment plan.
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing to file a dispute regarding the inclusion of inaccurate information on my TransUnion credit report, which I believe is in violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681. 

The following accounts do not belong to me : XXXX  XXXX Bankruptcy : Reference # XXXX XXXX  XXXX Bankruptcy : Reference # XXXX XXXX XXXX  : Reference # XXXX In accordance with 15 U.S.C. 1681 ( a ), I am entitled to privacy and accuracy in my credit report. Additionally, under 15 U.S.C. 1681b, Section 604 ( a ) ( 2 ), TransUnion must not furnish or report any credit information without my written instructions, which I did not provide for these accounts. 

I request that the CFPB investigate this matter and require TransUnion to correct my report by removing these erroneous entries. Please find attached all necessary supporting documentation for your review. 

Thank you for your attention to this issue.
Product: Debt collection

-This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA I'm entitled to 1,000 dollars per violation and clearly they violated my rights.
Product: Debt collection

I have been contacted at my workplace after informing that I and the company I work for does not allow and appreciate calls from solicitors and debt collectors.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 

XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX ; XXXX XXXXXXXX Balance : {$3800.00} ; XXXX XXXXXXXX Balance : {$13000.00} ; XXXX XXXX XXXX Balance : {$110.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX XXXX : {$1300.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$990.00} ; XXXX XXXXXXXX Balance : {$1400.00} ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXXXXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXXXX/XX/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: Debt collection

AFNI, INC. reported a debt that was not mine to XXXX despite the fact they could not provide enough detail to prove any debt was owed. I called AFNI on the day I received their notice, and immediately sent a written request for more information, upon their suggestion to do so. 

Regardless of the fact that the this issue is still being investigated, and not my debt, they have reported it to the credit bureaus. 

This is a harassment tactic.
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 XXXX Account Name : XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX Account 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: Credit reporting or other personal consumer reports

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you.

XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX
Product: Credit card or prepaid card

In early XX/XX/2019 I contacted Chase Bank with regards to one specific credit card that I was having difficulty paying. I contacted Chase to see if there was any assistance that could be offered to me in helping to pay my card. I have never been delinquent on any credit card account with Chase or any other issuer. The representative on that day told me that she could help me get on a payment plan that would lower the monthly payment to {$280.00} a month. She said that it would close *that specific card. * I asked her specifically if it would leave my other accounts unaffected because I did not want my other accounts closed and if it was going to negatively affect my other accounts I did not want to do it. She said very specifically that it would only affect my one specific account I was calling about. I was on speakerphone at the time and my wife was listening and agreed we should do it if it would not affect our other accounts. The account was closed and I have religiously paid my payment and my other cards that were still open with Chase every month.

Today ( XX/XX/2019 ), when trying to use one of my other cards, it was declined. After checking why, I noticed that all of my accounts were closed according to Chase. I called Chase to have them explain why they had closed all of my accounts. The representative told me that it was, " because when [ I ] agreed to be on the payment plan [ I ] agreed to have *all* of my accounts closed. '' According to her that is Chase 's policy. I explained to him that the representative had told me explicitly on the phone that my other accounts would not be closed. She transferred me to her supervisor XXXX, who reiterated the same thing and he transferred me to another department where I spoke with XXXX ( badge # XXXX ). XXXX was honestly very snarky at times but explained there was nothing she was going to do and that my accounts would remain closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are several fraudulent accounts and unauthorized inquires on my credit report that doesnt belong to me. I havent been checking my credit report in several years and I see that these accounts have been on my credit report for over XXXX  years and should not be on my credit report at all after XXXX years. These accounts are fraudulent and derogatory and is preventing me from buying a house and moving with my family.
Product: Credit reporting, credit repair services, or other personal consumer reports

Received a check in XXXX as part of a pre-screened offer. Check was valid until XX/XX/XXXX. It clearly says pre-screened to receive the check. I don't apply for things to avoid hits to score and in dealing with loans previously I know if I got a live check they've determined you met credit criteria and did not have to run credit again. I cashed check on XX/XX/XXXX due to car issues taking out loan. On XX/XX/XXXX the company first heritage ran a hard inquiry with XXXX knocking my score down XXXX points. I immediately called them and they initially denied it and said only soft pulls are done for pre screen offers and I should NOT have gotten a hard inquiry. XXXX and a diff female rep said a manager would be in touch on XX/XX/XXXX because that shouldn't have happened. When I didn't hear back I called and this time XXXX says they did but couldn't tell me why they did it after the cash had been cashed and when I didn't consent to a hard inquiry. I want this removed because they lied and this is bad business practice. Prescreened mail in check means it was already determined and I did not authorize that hard inquiry.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am in the process of purchasing a home, I was informed of a collection amount of {$91.00} through XXXX XXXX which is not a company I have ever had an account with. I called XXXX XXXX and they confirmed that my information is not associated with any account previous or current. I then called XXXX to get the collection agency contact information. I called CCS collection on XX/XX/2022 to ask them if I pay this debt ( which has been confirmed to not be mine ) if they would send me a deletion letter. I was told that yes, if I pay this amount in full, I would receive a deletion letter confirming that it would be removed from my account. I still paid this debt that did not belong to me, in order to be able to quickly proceed with moving forward with purchasing my home with the understanding that it would be removed from my report. I have not received a deletion letter, and CCS collection is not responding to my requests for the letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several 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 an alleged fraud or extortion. 
XXXX XXXX XXXXXXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX ) XXXX Balance : {$5000.00} XXXX XXXX XXXX
Product: Vehicle loan or lease

XX/XX/XXXX was hospitalized for a week XX/XX/XXXX spoke with XXXX XXXX informed them I was admitted into the hospital XX/XX/XXXX released from hospital called auto finance and asked for extension or deferment and gentleman stated he didn't have access to that information for some reason and to call back the following day XX/XX/XXXX called again they said they put it in the notes and would let me know if I qualified in a few days XX/XX/XXXX admitted into hospital for emergency XXXX XX/XX/XXXX released from hospital XX/XX/XXXX called loan company they said I didn't qualify for deferment on my account that they couldn't offer me that option but they would put a note on the account that I had reached out regarding the situation and someone would be in touch with me XX/XX/XXXX received a call from loan company stating that I was late and they saw that I was late due to medical emergency and they couldn't offer me an extension til the end of the month that the best they could due would be the following XXXX  I said I would call them XXXX  and update them on the status this was on XXXX  XX/XX/XXXX XXXX am my car was being respossed I called loan company to plead for that extension til XXXX  and they denied me told me to surrender my keys my car was only 17 days past due 7 days past the 10 day grace peiord. 
XX/XX/XXXX I called regarding my loan amount being different from the website and not matching my contract it stated an obscene amount higher and they stated that the website is never accurate if I want the correct amount I can only call and ask even though it's how I made my payments was through that website and they told me that I owed {$1800.00} to get my car back if the car lot would reinstate my loan they didn't know I only owed {$580.00} at the time of repo which includes my car insurance through them 2 = {$580.00} required to pay two car payments {$500.00} in repo fees in order to request return of car
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my Follow-up request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$16000.00} XXXX XXXX XXXX XXXX Balance : {$16000.00}
Product: Checking or savings account

My car was broken into and my wallet was stolen a week ago. Inside was my license, debit card and all of my credit cards. I locked all of my cards immediately. The next day, there were 2 fraudulent withdrawals on my Chase bank account at 2 different locations in the amount of XXXX. I immediately called the bank to let them know. I've spoken to the bank on the phone and in person several times since then but they haven't resolved the issue. My account is frozen, I have no access to any of my money and they haven't given me back what was stolen. I've made 3 police reports. 1 for the car break in, and 2 for the fraudulent withdrawals at both banks where the money was stolen. I have automatic payments and rent due in a matter of days and need access to my money!