23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

My wife, XXXX XXXX XXXX, has mortgaged our home to " Chase ''. Property address : XXXX XXXX XXXX, XXXX, Mi XXXX. Chase Loan No. ending in " XXXX '' .Our regular monthly mortgage payment amount is {$410.00}. On or about XXXX XXXX we made the arrangement to have that amount drawn from our " My Personal Credit Union '' checking account, and that arrangement was confirmed with " Chase ''. On or about XXXX XXXX a " Chase '' letter dated XXXX XXXX, 2015 was received by us stating among other things that due to a credit of {$170.00} against our account our payment for the month of XXXX would be {$240.00} ( the basis for the credit was not disclosed ). We thereafter made arrangements with " Chase '' to have that amount withdrawn from our account for the XXXX payment as that letter stated. Thereafter, a letter was received dated XXXX XXXX and another dated XXXX XXXX from " Chase '' stated a payment of {$410.00} would be withdrawn from our bank account for the XXXX payment. We immediately called " Chase '' -spoke to a representative and confirmed the payment of {$240.00} ( confirmation # XXXX. ) We now as of XXXX XXXX XXXX have received credit call from " Chase '' demanding $ XXXXXXXX/and no explanation of the " credit '' disclosed in the verified " Chase '' letter of XXXX. XXXX phone calls to " Chase '' since the XXXX XXXX " draw date '' have accomplished no settlement ; but a repeat of the demand for the Regular monthly payment. We surmise that the " credit '' was a return of Attorney fees assessed against our account for foreclosure actions taken by a law firm in XX/XX/XXXX/XX/XX/XXXX 2015. Undoubtedly Credit Agencies have been informed of a missed monthly mortgage payment for XXXX 2015 with the negative effects thereon. We believe " Chase '' has violated the Fair Debt Collection Act. We want our account audited with a Report issued thereafter and all credits due placed on our mortgage account, credit accounts and payment of any applicable penalties assessed against " Chase '' and in our favor. We have tried to resolve the matters with " Chase '' by phone and have accomplished nothing another than repeats of demands for late payments to be made. Thank you for working your way through the details of this administrative nightmare.
Product: Debt collection

While accessing my Credit Report I noticed a collection from Optimum Outcomes. I 've written to this company to validate the debt they say I owe as well as their authority to collect on this debt and have received nothing. I feel as though my HIPPA rites have been violated as I have given NO entity permission to share my personal medical information with a third party.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE BEEN SUBMITTING REQUESTS TO THE BUREAUS FOR THE LAST 7 MONTHS so since XXXX of 2021. THERE is an issue WITH XXXX XXXX - IT'S REPORTED ILLEGALLY - IT'S reported as A CLOSED CHARGE OFF ACCOUNT by XXXX and equifax. 

EQUIFAX REPORTS with XXXX XXXX as CURRENT with current activity and again it's closed marked as a charge off. They report POSITIVE payments and a current DATE LAST of ACTIVE, WHICH IS NOT ACCURATE OR POSSIBLE. This is illegally re-aged to my understanding XXXX REMOVED this account IMMEDIATELY. 

XXXX based off of what I see has never investigated this. Under date last reported it suggests they have never looked into this. Each bureau reports a different date of last activity as well. If this had been verified then that wouldn't appear liek that.
Product: Debt collection

Debt was a result of identity theft. A police report was filed in 2015. It was submitted to the original people ( XXXX XXXX ) as well as several others that were fraudulent. It was already removed from my report. Somehow several collection companies including this XXXX Midland credit management, keep reopening this fraudulent debt and have been harassing me with mail and calls. I have told them to stop, they will not stop and refuse to stop. I just called again today and they argued with me and told me they were not going to stop.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian refuses to delete this fraudulent account from my credit file from XXXX XXXX XXXX which was unverified and deleted by XXXX
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 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 reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the fair credit reporting act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The consumer financial protection bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer provided evidence to furnishers, accepting unreliable responses, and failing to adequately, notify consumers of dispute outcome. These failures align with my experience, where Experian has neither corrected nor removed disputed items dispute the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective actions, as Experians inaction violates federal law and my rights a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I found errors on my credit report. I submitted a dispute on XXXX XXXX 2020 it has been over 60 days. I have not received anything from the bureaus regarding my dispute. They are required by law to address a dispute from a consumer in a timely manner
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX a case was opened against me through Paypal stating that I billed a client in duplicate which was a false accusation. Paypal proceeded to withdraw money from my account in the amount of {$2500.00} placing my account into a negative balance. I had used Paypal as a credit card servicer for my client 's convenience and had invoiced a client through Paypal. Once services were completed for that client and they final invoice had been paid by the client, the client then filed a complaint saying that they had been billed in duplicate which was not the case. There were two invoices for the services provided the first invoice being for 50 % of the contract fee and the remaining 50 % of fee due at completion of the project. Once the final 50 % was billed and paid by the client, the client proceeded to say that the final 50 % was billed as a duplicate charge and Paypal wrongfully withdrew that amount from my account. Paypal has essentially helped this client steal back payment from me without any evidence and is now imposing fees in addition to the withdrawal of funds.
Product: Credit card or prepaid card

I was sent a credit card in the amount of XXXX. An inquiry was made with the credit bureaus and I never applied. The account is through Chase Sapphire.
Product: Checking or savings account

My debit card was used around XXXX XXXX XXXX fraudulently. There were purchases made totaling {$870.00}. I reported to the bank I did not make these charges. The gave me credit then " investigated '' the claim. After approximately 30 days they took {$870.00} from my account which left me overdraft # XXXX. After contacting them they informed me they believed that either myself or someone I know made the charges because whoever used my card knew my pin. That's odd because no one knows my PIN and the many food establishments it was used at does not ask for a pin especially if ordering online. So how did they determine this information. They have ripped me off and now I have taken my business elsewhere but I will have this overdrawn account over my head.
Product: Credit reporting or other personal consumer reports

I have two XXXX XXXX accounts that have not shown on my credit report and it affecting my credit rating. 1. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have reached out to XXXX XXXX and was told they are reporting on the XXXX of each month yet I do not see the entry of any of my reports.
Product: Debt collection

XXXX XXXX XXXX SENT A COLLECTION FOR AN AMOUNT THAT IS NOT OWED. THEY HAVE BEEN VIOLATING MY FCRA RIGHT FOR 2 YEARS AND REFUSE TO UPDATE THE CORRECT AMOUNT THAT IS TO BE PAID FOR A VISIT NOT COVERED BY INSURANCE. I CANT PAY ANYTHING TO THEM UNLESS IT IS UPDATED ON PAPER. THEY ALSO NEED TO RESCIND THE DEBT FROM KEYNOTE BECAUSE THAT DEBT IS NOT VALID NOT HAS IT BEEN VALIDATED. IVE TRIED CALLING XXXX SEVERAL TIMES REGARDING THIS ISSUE ALSO BELOW IS THIER REPLY TO A XXXX  COMPLAINT THAT WAS FILED. FIRST AND FOREMOST COVID -19 HAPPENED AND TO HAVE REMARKS LIKE THAT BELOW IS BEYOND DISQUISTING. I HAVE ASKED SEVERAL TIMES FOR PAPERWORK TO BE UPDATED WITH NEW AMOUNT OWED FOR VISIT THAT WAS NOT COVERED BY INSURANCE. IF THE SUBSCRIBER ON THE INSURANCE ASK TO SEE AN IN NETWORK DOCTOR WHY ON EARTH WOULD YOU ALLOW THEM TO SEE SOMEONE OUT OF NETWORK INCURRING UNFORSEEN BILLS. ALSO BEING THAT I ASKED FOR THIS PAPERWORK FOR OVER 2 YEARS AGO IS THE REASON WHY YOU HAVENT BEEN PAID CAUSING EVEN MORE HARD SHIP WITH A COLLECTION NOW. 




Again. This was sent to our collection attorney in XXXX. Had the patient came into the office and paid prior to now it could have been resolved and marked paid in collections and shown. An account that is over 90 days and a claim where an insurance company advised payment went to the patient and remained unpaid for months after is submitted to our collection attorney after a period of time where calls and statements are unanswered with payment. This account from XXXX  would never be removed from collection until a payment was received. This patient if a conversation was had at the time 2+years ago about pulling from collections it would certainly have had an expiration of a week or 2, not years. No services are provided for free and at no time is it acceptable to remain a bad debt after 2 years and a patient file a complaint about an alleged conversation from 2 years ago and make sense. Why wasn't the account paid 2 years ago? Why wasn't the complaint 2 years ago? This would be resolved had the account been paid. Our XXXX  office does due diligence for every patient to ensure we receive the correct information for our patients. We bill out the insurances set fees, not our standard fees for in network assumed services which she was billed in network services. Two of the visits XXXX XXXX, XXXX ) the first visit ( XXXX ) PATIENT was inactive but received payment from ins for both visits, the other visit the claim received payment. In XX/XX/2019, the account was sent to collections after 6 months of calls and statements. This accusation is again unwarranted and had the accuser paid her bill this would be over but she chose to ignore the situation for 2+years and now file a complaint with no basis.
Product: Credit card or prepaid card

The current balance on my Chase Student freedom credit card is completely incorrect and is way higher than it should be. I counted all my transactions and paid all my statements on time this year with no pending fees or interest, only to find that the current balance is incorrect.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. 
Account XXXX : XXXX This Account is inaccurate and seeking litigation please delete it once 2. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. 
Account XXXX : XXXX This Account is inaccurate and seeking litigation please delete it once
Product: Checking or savings account

Account : XXXX Property address : XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX ca XXXX Hello, my name is XXXX XXXX, I would like to cancel the equity line of credit, which I am not using at all. But Bank of America would not allow me to cancel even though I am not owning anything from this account. 

XX/XX/year> I had received a package, stating I needed to provided the active insurance policy for the above property. 

XX/XX/year> I submited the active insurance policy to Bank of America through provided web link. 

XX/XX/year> I got another package notify me that they didnt not get my policy and went ahead and purchased a policy on my behalf at {$730.00} and will pass that on me. I called Bank of America right after got the mail. And explained that I already submitted the requested insurance policy. But they told me it is not valid. They also mentioned that they opened escrow account on my behalf, and I should responbility on all of its fees. I was completely in shock how can the bank do that for its customers? Doing things without the knowledges and approvals from customers - and have them responsible for it. Thats very BAD practice. 

XX/XX/year> I kept calling Bank of America insurance department see if they could provide help to close this account which I repeatedly stated to them that I am not using, but the refused to help! 

XX/XX/year> I than went to my local Bank of America office see if they could help. They then told me I have to contact the insurance department myself because they could not calling on my behalf. I told them I did many times, asking to cancel the unused line of credit account, but the banker said they dont have power to help me cancel it. 

This is one of the worse customer service that I ever had with a bank institution, and its by far the most frustrating experience just to request and cancel an account. But did not get any help at all! 

So please help to close the above account because I am unable to get help with Bank of America service people. Please contact me at XXXX if you have any question. 

Thank you. 

XXXX
Product: Checking or savings account

Wells Fargo opened 10 + accounts in my name due to faulty sales tactics. I experienced numerous overdraft fees in these accounts though I had money in my accounts as a whole. I was never notified. They have frozen all of the statements from my accounts in 2013 for quite some time now. I have never seen all of my own financial documents over the years.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have constantly been sending out letters regarding my charge off accounts. XXXX XXXX, XXXX XXXX XXXXXXXX and XXXX XXXX. The charge off accounts are reporting incorrectly and showing a past due balance and according to the FCRA, I have the to an accurate credit report.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XXXX XXXX. This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion, XXXX, XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number of XXXXXXXX XXXX opened on XXXX XXXX under the account number XXXXXXXX XXXX on XXXX XXXX under the account number XXXX, XXXX opened on XXXX XXXX under the account number XXXX an auto loan account opened at XXXX XXXX XXXX on XXXX XXXX under the account number XXXX, and a collections account opened at XXXX XXXX  on XX/XX/XXXX with a balance of {$3900.00} under the account number of XXXX. These accounts have resulted in several fraudulent hard inquiries, fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit card

Dear Wells Fargo Customer Service, This letter serves as a formal complaint regarding a severe discrepancy in my outstanding account balance and a likely incorrect interest fee, as reported by Wells Fargo and the XXXX XXXX The " XXXX '' section of my XXXX XXXX ( as shown in the attached screenshot ) currently displays an Outstanding balance of {$11000.00}. However, my calculation of the outstanding balance, based on the detailed transaction history displayed on the XXXX XXXX for XXXX and XX/XX/XXXX ( as shown in the attached screenshots ), indicates a credit balance of {$10000.00}. 

According to the XXXX XXXX transaction history for XX/XX/XXXX ( as shown in the attached screenshots ), the total of all transactions is {$16000.00}. This includes an " XXXX XXXX XXXX XXXX XXXX ... '' entry on XX/XX/XXXX for {$190.00}. 

The XXXX XXXX transaction history for XX/XX/XXXX ( as shown in the attached screenshot ) includes a mortgage payment on XX/XX/XXXX, for {$5700.00}. 

Combining these amounts : XXXX {$10000.00} The staggering difference between my calculated credit balance ( - {$10000.00} ) based on the XXXX XXXX 's own transaction records and the reported outstanding balance ( {$11000.00} ) is unacceptable and indicates a very serious error that requires immediate and thorough investigation. 

Furthermore, given the significant overstatement of my outstanding balance by Wells Fargo, I believe the interest adjustment of {$190.00} applied on XX/XX/XXXX, was likely calculated incorrectly and is therefore being disputed. If my account should have had a credit balance, or a significantly lower outstanding balance, this interest fee would be unwarranted. 

I request a detailed explanation for both the discrepancy in the outstanding balance and the calculation of the {$190.00} interest adjustment. I demand an immediate correction to my account balance to reflect the credit of - {$10000.00} and a reversal of the incorrectly applied interest fee. 

Please provide a detailed breakdown of the reported balance of {$11000.00} and the calculation of the {$190.00} interest adjustment, identifying the source of these significant errors. I also request confirmation once the necessary corrections have been made to reflect the accurate credit balance of - {$10000.00} and the removal of the disputed interest fee. 

You can contact me at XXXX to discuss this matter further. 

Thank you for your prompt and urgent attention to this critical issue. 

Sincerely, XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/2023, letter was sent to XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, MO XXXX a letter to the courthouse asking do they report bankruptcies to the credit bureaus. 

On XX/XX/2023 I contacted the XXXX XXXX XXXX house to see if letter was received. ( XXXX ) XXXX. I ask the clerk do they report bankruptcies to the credit bureaus? They stated they do not report any bankruptcies to anybody. So, how did the credit bureaus verify my bankruptcy as 100 % Accurate. They never did a fair investigation according to 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) states ; The terms " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with other with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer report agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

My rights violated numerous time. 
The credit bureaus violated my given right under 15 USC 1681.

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

According to 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.

According to : 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to 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 writing to formally dispute a fraudulent account on my credit report. I have previously submitted disputes regarding this account, but it continues to appear on my credit report, negatively affecting my credit score. I am providing detailed information regarding this fraudulent account in the hope of having it promptly and permanently removed from my credit report. Account Details : XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In response to your dispute results and my previous compliant XXXX Reference : Report Number : XXXX Report Number : XXXX Report Number : XXXX Experian, OnXX/XX/XXXX I received your response and Im challenging the incorrect information provided on my credit report. Im providing additional relevant information. Im requesting immediate deletion of these unverified accounts. Experian you have clearly violated the law by reporting the incorrect credit account number and date of last payment. In addition, you are reporting my name incorrectly as shown on the reports I included. 
Furthermore, you violated the law by not providing me the documents you used to verify these fraudulent accounts. Experian continues to misspell and misuse my information by reporting incorrect account numbers, addresses, and late payment ( s ) therefore I dont trust your investigation results. Im requesting Experian to comply with the FCRA and conduct an outside investigation and mail me the documents used to verify these accounts.

Im requesting all original contract ( s ) with an outside investigation conducted and the results forwarded to my mailing address. If Experian fails to provide the original signed contract ( s ) in addition to investigation results, then according to the FCRA law ( s ), you are required to delete this information. 

Experian is preventing my family and I from getting our dream home because of this incorrect, unverifiable, and fraudulent accounts. Experian sends me automated results and does not conduct any investigation because i have not been sent or provided with any verification documents. This is putting my life on hold.