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

I submitted an disputed Electronically with Transunion multiple times with accounts ( XXXX ) starting with account number XXXX, ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX. This account is over my states XXXX, The account came back verified with no proof or method of validation. 
I also disputed an account ( XXXX XXXX XXXX XXXX ) Starting with account number XXXX ( XXXX ) XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX, GA XXXX. This account was also verified as accurate, which has now been reported as delinquent after I disputed 4 ( FOUR ) years that is illegal & it is altering the accuracy of my credit age to pursue this debt longer. I have also opened a case with the BBB regarding them not providing proof this debt belongs to me.

I requested a method of verification via transunion and have not received it. Transunion has failed to provide proof of validation to me and I am requesting these accounts are removed from my credit report as they are not meeting CFPB guidelines.

These two accounts have been reporting as accurate with no proof after disputing for years via Transunion.
Product: Credit card or prepaid card

I received a letter from this credit card Fraud Control - saying that they thought there were possible fraudulent activity on the card. A phone # was listed and i was asked to call verify or not the charges. I tried 4 days running to reach someone at the phone # - but it was only a recording that said ' leave your phone number and brief reason for the call and we will get back to you " Two weeks went by and i got no call - Finally I tried again and this time I asked why no one had called me back and she said " we did " and i said I had not received any call! She insisted so I asked for the person who said she had called me. This person said that she had called me - that I had answered as XXXX XXXX and had verified the charges as being mine - I reiterated my two phone numbers which they had on file and I certainly did not recognize the - XXXX XXXX number. I finally received an affidavit form and I sent it back filled out and with a copy of my drivers license as requested - it had to be received within 14 days and i mailed it back on the second day. after I received it Now they say because it was not back within the specified time - their fraud control was hindered and I must pay the charges + late fees - XXXX + late fees - no recourse
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 ( Sub # XXXX ), XXXX ( Sub # XXXX ), XXXX  XXXX ( Sub # XXXX ), DEPT OF ED/XXXX  ( Sub # XXXX ), XXXX  ( Sub # XXXX ), DEPT OF ED/XXXX  ( Sub # XXXX ), DEPT OF ED/XXXX  ( Sub # XXXX ), XXXX XXXX XXXX XXXXXXXX XXXX. ( Sub # XXXX - XXXX  ), XXXX  ( Sub # XXXX XXXX ), XXXX XXXX XXXX  XXXX XXXX ( Sub # XXXX - XXXX  ), XXXX XXXX XXXX XXXX XXXX # XXXX - XXXX  ), XXXX XXXX XXXX XXXXXXXX XXXX XXXX ( Sub # 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 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: Student loan

Since XXXX XXXX, 2016 my employer has been trying to make a sum payment on my XXXX student loan. The payment has been rejected three times, regardless of my continued phone calls, faxes, and confirmed loan information. When I have asked to speak to supervisors, I am given the same information, which is to " just keep trying to send it to the address on the website ''.
Product: Checking or savings account

I received an official check from a new tenant and deposited the funds {$7500.00} in my checking account at Santander via the ATM XX/XX/XXXX. Santander decided to freeze all of my accounts, claiming the check could be fraudulent. They requested proof of where the check came from. I provided the premise contract, they said the address on the contract was not matching my address, I explained I was renting the apartment upstairs which has its own address. They said it was not enough proof, then they asked for my mortgage note, showing i am the owner of both apartments and showing both addresses, I provided it. Meanwhile I was not able to make any payments or withdrawals from my accounts, including the funds I had sitting there before the deposit. 
XXXX weeks later they decided to unfreeze the accounts but are still holding on to the check deposited. 
According to Santander, they have placed a permanent hold on the funds. I went to XXXX with my tenant and got confirmation that the official check was issued at the office. We went to Santander together to show them statements showing where the money came from. XXXX stated the funds were already paid on XX/XX/XXXX and there is nothing else they can do. 
We called Santander while sitting at XXXX and they got confirmation the check is good, that it is a bank check issued at that office. 

Santander is still not releasing the funds and its now been over XXXX month. I have to use part of those funds to open an escrow account for my tenants. 

I rented the apartment for {$2500.00} per month, the {$7500.00} check is for 3 months or rent : first month, last month and {$2500.00} of security deposit. 
This has been explained multiple times to the security department at XXXX. 

I have provided all type of documentation requested by then, including a notarized letter by the tenant and nothing seems to suffice.
Product: Debt collection

Before I left XXXX XXXX and moved to XXXX  I broke a Lease which I paid off when i dropped off the keys The Original Apartment Complex was Bought out and I was Sent to Collections saying i owed a Balance, Which I do not I disputed Several times and can't get it resolved or Proof of Debit closed out
Product: Student loan

I was promised to be placed in administrative forbearance for XXXX XXXX  for my fed student loan through MOHELA. I was given a letter of this change prior to the transition to the new MOHELA platform. I called the representative about why my new account did not have this forbearance status and they state they have no record of this and have no plans to place my account in admin forbearance even though I have the wrong calculated payment. I have already filed a complaint with studentaid.gov as well.
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 XXXX XXXX XXXX # XXXX  XXXX XXXX XXXX XXXX # XXXX  XXXX XXXX XXXX # 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 item of information, other than records of convictions of crimes which antedates the report by more than seven years 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Product: Credit reporting, credit repair services, or other personal consumer reports

An account that was not established by me was erroneously reported to the 3 major credit institutions. This complaint is regarding XXXX. I disputed the account with them, during which I provided a brief statement that the account was unknown to me. They closed the dispute simply stating that my credit report had been updated with that short comment when the appropriate response was to follow up on the incorrect entry and have it removed. Called and after spending 30 minutes on the phone I was able to verify that no action was actually taken to investigate/remove the incorrect account.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I wrote to you requesting an investigation into items that I believed were fraud, inaccurate, and falsely reporting. To this date only response that I have received was computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 
I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. 
I further remind you that, as in XXXX v. Experian Information Solutions, 993 F. Supp. 2d 1154 - Dist. Court, ( CD California 2014 ) ; you may be liable for violating the Fair Credit Reporting Act ( FCRA ) by recklessly failing to follow reasonable procedures to ensure the accurate reporting of debts discharged in bankruptcy and by refusing to adequately investigate consumer disputes regarding the status of discharged accounts. 
I have requested that all NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS provide proof of alleged items. I request to be provided with specifically the original application, contract, note, or another instrument bearing my signature. 
In addition, any the contract signed between NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS & the original creditor, notarized and sworn under penalty and perjury NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS ability to collect this alleged debt. 
I request this under 15 U.S. Code 1692g - Validation of debts. If information is not provided or the false reporting isnt removed ; as in XXXX v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 
14, 1995 ), you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be reinvestigated.
Product: Checking or savings account

IVE BEEN TRYING TO OPEN AN ACCOUNT AN I CANT
Product: Credit reporting or other personal consumer reports

The customer service department did not help remove the negative inquiries that are reporting on my credit report. 

XX/XX/XXXX XXXX XXXX XXXX I, XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX 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 XXXX XX/XX/XXXX XXXX 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 XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Re : Excess Proceeds of Sale for Property at XXXX XXXX XXXX XXXX, XXXX, Georgia XXXX This petition is in respect of the above subject against XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Georgia XXXX XXXX XXXXRegions Mortgage The above mentioned law firm and Regions Mortgage refused to release the excess procced of my subject property which was foreclosed in the sum of USD {$5200.00} ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The subject property was purchased vide Security Deed dated XXXX XX/XX/XXXX recorded in Deed book XXXX, page XXXX XXXX XXXX, Georgia but foreclosed by Regions Mortgage on XXXX XX/XX/XXXX. 

Request 1. Recovery of USD {$5200.00} due to me from the XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Payment of interest at 5 % per annum on ( XXXX ) above from XXXX XXXX XXXX date 3. Penalizing the firm of XXXX XXXX XXXXRegions Mortgage for default We thank you for your prompt action on this petition Yours faithfully XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Georgia XXXX XXXX XXXX XXXX, XXXX, GA XXXX
Product: Credit reporting or other personal consumer reports

my information has been stolen and used whoever stolen. My information has used it illegally to apply for credit card accounts with many financial institutions. These are all unauthorized inquiries : 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 XXXXXXXX these illegal inquiries are reported illegally on my check systems report, XXXX report, XXXX report, and Trans Union report. It must be removed ASAP. Also, my check systems report has many errors including my date of birth of XXXX XXXX XXXX  which is in accurate it must be deleted because my correct date of birth is XX/XX/XXXX, XXXX, my check system has many addresses which are all in accurate. My only correct address is XXXX XXXX XXXX, XXXX XXXX, MN XXXX. Please removed this information from my credit report, pursuant to section 15 U.S. Code 16815-2 ( B ) of the Fair Credit Reporting Act, Stating Information alleged to result from identity theft If a consumer submits an identity theft report to a person who furnishes information to a consumer reporting agency at the address specified by that person for receiving such reports stating that information maintained by such person that purports to relate to the consumer resulted from identity theft, the person may not furnish such information that purports to relate to the consumer to any consumer reporting agency, unless the person subsequently knows or is informed by the consumer that the information is correct. These inquiries are all unauthorized and must be deleted asap under The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 15 U.S.C. 1681s-2 ( b ). These inquiries are unauthorized please remove them thank you.
Product: Credit reporting or other personal consumer reports

1. FRAUDULENT REPORTING 2. ENTRIES W/ THE BALANCES & CREDIT LIMITS EDITED TO {$0.00} 3. FRAUDULENT COLLECTION 4, FRAUDULENT INQUIRES 5. FRAUDULENT CREDITORS 6. FRAUDULENT CLOSED ACCOUNTS I HAVE PLACED DISPUTES SEVERAL TIMES ON ALL OF THESE FOR IMMEDIATE & PERMANENT REMOVAL & NO REMOVALS WERE EVER MADE. THIS MEANS YOUR Bureau CONTRIBUTED TO FRAUDULENT REPORTING AND ARE LIABLE TO THE VICTIM FOR {$1000.00} DOLLARS PER FRAUDULENT REPORT AND EACH FRAUDULENT REPORT IS LIABLE FOR A {$5000.00} FINE AS PER ENFORCEMENT OF FINING FROM THE FAIR CREDIT REPORTING ACT.

THE ONLY THING THAT SHOULD BE ON MY CREDIT REPORTS ARE 2 OPEN REVOLVING ACCOUNTS FROM XXXX FOR A {$5000.00} CREDIT LIMIT AND XXXX  FOR A {$1000.00} CREDIT LIMIT. THERES NO BALANCE OWED TO EITHER AS I NEVER RECIED MY CREDIT CARDS A YEAR AGO WHEN I OPENED THEM BUT I AM CALLING TO HAVE THEM MAILED TO ME.

2. I KNEW FOR YEARS I WAS AN IDENTITY THEFT VICTIM BECAUSE OF THE CONDITIONS AND ENTRIES ON MY CREDIT REPORTS. 

I JOINED XXXX XXXX XXXX XXXX XXXX XXXX AND THEY LOCATED O

NE OF MY IDENTITY THEFTS. DATA BREECH THAT RESULTED IN MY GOOD NAME AND SOCIAL SECURITY NUMBER DEBUTING ON THE BLACK WEB. THIS HAS PROBABLY ENDED UP SAVING MY LIFE AS ONCE YOUR INFORMATION MAKES IT ONTO THE BLACK WEB YOUR IDENTITY IS NO LONGER SAFE TO MAINTAIN. THERE IS A PERSONAL RISK TO DANGER ONCE YOUR INFORMATION HAS BEEN FOUND ON THE BLACK WEN & I AM WORKING WITH XXXX XXXX XXXX XXXX FOR FUTURE INCURRED LOSSES SO THAT I MAY RECOVER FROM IDENTITY THEFT AND GAIN A NEW SAFE IDENTITY FOR MYSELF.
Product: Debt collection

I got a copy of my credit report and noticed a few incorrect accounts. Never received a phone call or letter or any other type or communication from them. I asked the credit bureaus to investigate and the results came accurate. I sent another letter asking how they verified the information and I haven't received any answer. I sent a letter to the collection company and they just sent me a generic bill. I respectfully asked for a proper validation with date of services and proof that statue of limitations wasn't expired and they sent me a letter saying that they can't sue me because the debt is old but they will continue reporting the account with the credit bureaus. They sent again the same copy of a generic bill as proof of validation. According to the XXXX bill they sent the dates are from 2019 which is totally false. I have had XXXX for the past 10 years under my husbands name. I am assuming they are re-aging an old account and is totally against the law.
Product: Credit reporting or other personal consumer reports

The XXXX XXXX XXXX RUINED my credit and still effects me today because of the items listed and Credit obtained through the Breach and bad actors.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid XXXX XXXX $ XXXXat The Best Credit Group in XXXX of 2016 for credit repair services. He did nothing but sent me 1 credit report and I paid him {$200.00} for my husband and recommended friends to him. He took my money and just emails me and refuses to refund my money. I asked him several times what steps have you taken. NO RESPONSE. HE IS FRAUD!!!!!!!!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Checking or savings account

My IRS direct deposit was send to the wrong account in error ; Chase IL routing number and a non-recognized checking account number on XX/XX/23. Despite Chase 's policy of returning funds within 2 days, they have kept the funds to present date ( XX/XX/23 ). On Friday ( XX/XX/23 ) I was advised that the funds were being held to a Credit Card account and that they were unable ( DEP and CC ) to return my funds so alternatively they would transfer the funds if I opened a checking account. I did so while on the phone and afterwards was advised that they could not transfer the funds to me. Despite these deceptive banking practices, they maintained my funds and routed me to their XXXX XXXX Department on the Deposits side. That representative notes he's unable to locate or return the funds and that I should instead call the Credit area. I have collectively spend XXXX hours on the phone with Chase trying to get resolution for why they have XXXX ) held my IRS XXXX deposit funds and XXXX ) their deceptive banking practices to have me open a checking account that they did not transfer my deposits into. 

This has been constant aggravation and gross negligence of Chase. I need my funds to be returned to me right away before they cause further financial hardship on me.
Product: Credit card or prepaid card

Something is wrong with the way American Express in billing me, this never happened in the past, it's lately I am seeing this happening. 

In reference to my previous complaint no. XXXX, I see the same issue getting repeated over and over again. I recently made a purchase of AUD XXXX ( USD {$180.00} ) on XXXX. I made the payment of {$180.00} back to my AMEX card within minutes after the purchase. 48 hours later Amex increases the purchase price by an additional XXXX cents bringing the total purchase amount to {$180.00}. 

When the card is swiped in a foreign country in a different currency, Amex would convert the currency to it's equivalent USD amount in REAL TIME, and that USD amount would show in my transaction list. Then why are you doing this!? There is no foreign transaction fee in this card, then why are you raising the purchase price 48 hours after the purchase!? This got repeated two times in a row. 

This can't continue or I'll have to stop using this card.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion and/or its Attorneys, XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, VA XXXX notified XXXX XXXX XXXX by mail in regards to a settlement for improper reporting. XXXX XXXX declined to settle the matter because all or most of what was on her credit report was disputed in regards to public records and there are several missing accounts that are not reported and this may be due to the injunctive relief granted to Transunion to not report such accounts.
Product: Debt collection

To whom, It may concern. I owed XXXX XXXX XXXX XXXX last year. We agreed on a payment plan of XXXX USD per week and I also told them I will pay them in full upon sale of my primary residence. The loan was unsecured consumer loan. I made payments of XXXX to them, which was more than the agreed per week. American Express however hired XXXX and XXXX XXXX. A firm with a very bad reputation. XXXX on behalf of XXXX XXXX XXXX filed a judgement over me and won without ever serving me a summon and complaint. As a result my Bank account was frozen even though 90 % of deposited money in the account was from wages. As a result, I have no money to feed my kids and even go to work. This now might result in me going delinquent on my mortgage and loss of equity and property. Please Help me. 
Thanks
Product: Checking or savings account

Over {$13000.00} went missing from my account in 2021, {$5000.00} of that being that they allowed somebody to go into a branch and withdrawl money from my account without my permission and when i disputed it i was denied riembursement and they refused to show me footage of the transactions being made and had no thumbprint or identifacation for who they allowed to make the withdrawls!!! The rest was missing from a bunch of fees and unknown transactions!!! I have attempted numerous times to get them to fix my accojnt and they deny and close the dispute every time!!! Im looking into lawyers to proceed with my lawsuit!!! The wells fargo senior vice president XXXX XXXX is the one who denief and signed almost every dispute i have filed!!!