23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

I have disputed the XXXX inquiry 's on my reports 3 months ago I never got any notice of. Resolution at all. All of them are still on there. Some of them are on there XXXX. I 'm supposed to have a fraud alert on all reports but noone checks with me before they hand out my report 's to everyone. I do n't authorize any companies except XXXX. I 'm upset because the company 's did nothing to fix this problem. I never received any information on my disputes.
Product: Money transfer, virtual currency, or money service

I sent an international wire transfer on XX/XX/XXXX, the receiver got it in the wrong currency so they did not accept it and refunded it on XX/XX/XXXX there was a refund made from JP Morgan in XXXX XXXX and i have documents and reference numbers confirming this transaction. And to this date XX/XX/XXXX the funds have not been returned. 

I have been in touch with Chase every day and they are referring me to their messaging system. however, i have messaged them close to 10 times since XX/XX/XXXX and they have not responded. 
When i go to a branch they say they are not able to access the wire transfer department and when i call the research team their department does not have any phone support so i need to go to the secure messaging system. however, as mentioned they do not respond. 

The branch is saying that they do not have access, the phone is saying they have no way to find out anything.. And the messaging system does not respond. I made a claim and they have not heard back from the claims department. So i went to a branch to escalate the claim and they were going to call me within 24 hours and no one called me. The concern here is how does a financial institution not have anyone that is responsible to be able to make an inquiry into where the funds are. This is a simple request from Chase to JPMorgan in XXXX XXXX where the funds are coming from. And find out what is holding the funds from being released. 

Transaction s like this happen every day. Losing funds in the banking system should be the responsibility if the institution to handle and resolve.

This is choking me i can't sleep and can't do any other work, i literally just lost all my money and I have not one person that can direct me with an answer at financial institutions this large than even has the ability or interest to make an inquiry as to where the money is. 

In short. A financial institution needs to have basic accountability that if funds are not available there should be a process and team that will be trained to help and deal with finding and resolving the issues. 

This is embarrassing and extremely unethical. thankfully I have been able to discuss this with some friends that are business owners and we will be moving out our funds from Chase once this is over, I feel violated. 

Please help with this concern I am grateful for your support. And look forward to getting this resolved XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ACCOUNTS that need to be removed from my file : XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1700.00}.
Product: Credit reporting or other personal consumer reports

I was denied credit because they could not verify my address.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax refuse to investigate my dispute. I received a letter from Equifax stating they were unable to identity me. This is a stall tactic and unacceptable. 
By not replying in a timely manner to my initial letter they have not only violated federal law, but they have also failed to provide me with a copy of any viable evidence, bearing my signature, showing the inquiries were authorized by me. 
As well as my biographical ( personal ) information being reported inaccurately. 
Equifax sent me a letter dated XX/XX/XXXXXXXX XXXX  XX/XX/XXXX requesting proof of address. On XX/XX/XXXX I mailed letters without proof of address by mistake. On XX/XX/XXXX I mailed revised letters with proof of address, copy of ID, copy of utility bill. 
I called Equifax spoke with representative XXXX ( XXXX XXXX XXXX  XXXX ) he confirmed they receive proof of my identity. XXXX stated they have proof of address, copy of ID, copy of XXXX XXXXXXXX bill. Although I still need to provide proof of address. I informed XXXX I have already provided proof of address. According to FCRA 1022.123 Appropriate proof of Identity ( A ) ( 1 ) ( 2 ) ( B ) Examples of information that might constitute reasonable requirements of proof of identity. In which has been provided. XXXX stated after the investigation they will send me a corrected copy of my consumer report. Equifax reported to CFPB I didnt submit proof of identity and/or address, copy of ID and copy of utility bill. I corrected the error I made asap, and Equifax representatives confirm receipt of documents. It has now been over 30days with no response to my dispute letter and no access to my consumer report. 
15 U.S. Code 1681c1 - Identity theft prevention ; fraud alerts and active-duty alerts 2 ) Access to free reports -In any case in which a consumer reporting agency includes a fraud alert in the file of a consumer pursuant to this subsection, the consumer reporting agency shall Equifax is required to allow me access to my consumer reports as per Congress Law. 
On XXXX XXXX shows Equifax has NOT made any changes to my biographical ( personal ) information and/or address as well as inquires.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent in a dispute letter on XX/XX/2022 its been 30 something day and still haven't heard nothing back from the credit bureau. This the third time in 6 months and they not responding on time
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts are having a negative impact on my credit score and costing me thousands of dollars in interest each year. This is not a regular dispute ; in addition, I have filed a complaint with the Federal Trade Commission and the XXXX XXXX XXXX since I am not aware of any of these accounts. I need this problem resolved as soon as possible ; I will not wait another 45 days for no response because you are clearly ignoring me. I demand that these accounts be removed immediately, or I will file for litigation as a result of the anxiety you have caused me. It is clearly stated in Section 611 ( a ) that failing to investigate these matters within 30 days gives a reason to immediately remove these things off my credit report. It has been 45 days, so they should be erased immediately.
Product: Checking or savings account

I had Chime Financial mail a check to my landlord on XX/XX/XXXX for the amount of {$2000.00}. 

XXXX XXXX ( my landlords bank ) returned the check due to their own processing issue. Chime keeps saying it was cashed even though I went to XXXX XXXX and they are showing me it was returned. 

The money was never cashed and they can not provide any proof that it was cashed and they have been running me in circles after Ive given them documentation showing it was a returned check. 

Nobody on their back office team seems to be able to provide info and theyre only sending generic emails saying its cashed. 

Neither my landlord has his rent money now and I havent been able to get my money back either. 

Upon looking at the check it looks like they debit the account immediately and then cut the check from a XXXX XXXX XXXXXXXX account of their own to which my returned money is most likely sitting in. I just want my money back please
Product: Vehicle loan or lease

Santander Consumer has asked for specific documentation to support identity theft from another company that put me in financial hardship. I have faxed, mailed, and emailed trying to correct the problem. Santander Consumer is now threatening the repossession of vehicle. I have included email and also the document from credit union that shows the date from back in XX/XX/2019 when this started. I also mailed registered mail a certified cashier 's check in the pay off amount. To be done and not have to deal with company anymore. We have had to retain a lawyer to proceed against dealership for vehicle that has been in service over right times in under a year.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the continued presence of a settled account from XXXX XXXX XXXX on my credit report. In XX/XX/XXXX, I reached a settlement agreement with XXXX XXXX regarding the auto loan account ( XXXX XXXX  ), under the understanding that the account would be removed from my credit report upon settlement. However, the account remains on my credit report as " Paid in settlement '' with associated negative payment history.
Product: Debt collection

XXXX XXXX XXXX are reporting two collection accounts on my credit report one opened XX/XX/XXXX for the amount of {$54.00} and the second one opened XX/XX/XXXX for the amount of {$83.00}. I checked the Secretary of State website to see if this debt collector has a local general business license to operate in California as stated by the law and this company is not locateable as a Corporation or a LLC/LP.
Product: Credit reporting

To Whom It May Concern TransUnion 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 To Whom It May Concern : This letter is a formal request to correct inaccurate information contained in my Credit Reports. The item ( s ) listed below are as follow : Please update to the correct address XXXX XXXX XXXX XXXX XXXX, XXXX XXXX I HAVE BEEN LIVING THERE SINCE XX/XX/XXXX when I pull my credit it state that I just moved to the location I HAVE BEEN LIVING IN THIS ADRESS SINCE XX/XX/XXXX Have enclosed a copy of XXXX bills THIS ADRESS XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX - REPORTED XX/XX/XXXX IS NOT MY ADRESS PLEASE DELETE Please update my phone number to my public profile XXXX Requested Correction : please update all info to my correct info I have sent all evidence to support your claim ] In accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, correct ] any and all the item. 

Furthermore, pursuant to 15 U.S.C. 1681i ( b ), I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes. 
Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past six months. 

Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item ( s ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to comply with the above requests within the time periods specified. Failure to do so will result in a complaint being filed with the Federal Trade Commission I have also enclosed a copy my state issued ID and a paystub statement with my Name and current address. 

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

Please remove and block the unauthorized accounts from my credit report as soon as possible. I did not open or approve these accounts and have no knowledge of their origins. In accordance with USC 1681g, I am formally requesting their removal within 15 days. Enclosed are the necessary documents for your review and reference.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit file, incorrect information was found in my reports. The 3 Credit Bureaus have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : DPT EDXXXX XXXX Balance : {$210000.00} DPT ED/XXXX XXXXXXXX Balance : {$0.00} DPT EDXXXX XXXX Balance : {$0.00} DPT ED/XXXX XXXX Balance : {$0.00} DPT EDXXXX XXXX Balance : {$0.00} DPT EDXXXX XXXX Balance : {$0.00} DPT EDXXXX XXXX Balance : {$0.00} DPT EDXXXX XXXX Balance XXXX {$0.00} DPT EDXXXX XXXX Balance : {$0.00} DPT EDXXXX XXXX Balance : {$0.00} DPT EDXXXX XXXX XXXX : {$0.00} DPT EDXXXX XXXX Balance : {$0.00} DPT EDXXXX XXXX Balance : {$0.00} DPT EDXXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXXXXXX Balance XXXX {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00}
Product: Checking or savings account

I was supposed to get my direct deposit Thursday ( pay day is Friday but Capital One deposits early ). Except now it is being held up by CapitalOne because they are having third party issues with deposits. This was allegedly a known issue on Wednesday, but they failed to notify their customers until Thursday when they started receiving complaints. This is just unacceptable. People have bills that need to be paid and we need to know our money is available to us immediately on pay day.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is a credit reporting outlet that get it information from credit reporting agencies XXXX, XXXX and experian. The problem is they are reporting incorrect information about my credit from these agencies. They have that I owe {$5700.00} from XXXX XXXX XXXX and that I owe {$250.00} to XXXX XXXX XXXXXXXX. 

I owe XXXX XXXX XXXX and XXXX XXXX Nothing. My credit report should show both these accounts with a XXXX Balance Owed. 

I want an Investigation as to why XXXX XXXX keep reporting incorrect information. 

Waiting to hear from you. 

XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I was selling a table through XXXX XXXX for {$100.00} and received a message from a potential buyer with the profile name " XXXX '' who was interested and wanted to pay through Zelle. The person led me to believe they were legit. I gave them my phone number and email so that they could send me {$100.00} for the table. I never received the money in my Zelle account. I started receiving emails from what it seemed like an official Zelle email saying that I needed to upgrade my Zelle account for XXXX in order to receive the XXXX, but I would be credited back once I upgraded. That is what I did. However, I got another email saying that the buyer accidentally sent an additional XXXX. The buyer started sending me messages saying, " I trusted you and I accidentally sent more money now refund me back. '' I thought that Zelle was the third party and would make sure that I would be credited back. Then I got an email saying that with the business account I needed to pay XXXX license and fees for XXXX. The email reassured me that I would be credited back the {$900.00} I personally sent out and then receive the {$100.00} for my table. 

I realized that it was a scam after I received yet another email asking this time for XXXX. I stopped communicating online with XXXX. Contacted Zelle and reported fraud and they informed me that they could not get my money back and contact my financial institution. My financial institution XXXX XXXX is giving me a hard time because they said that I authorized the transactions, but I was tricked into doing so.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, oh XXXX SSN : XXXX D.O.B. : XX/XX/XXXX Credit bureau XXXX, Experian, XXXX According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 
I demand the following accounts be verified or removed immediately. 

Thank you for your prompt assistance in this matter. 

XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent multiple letters and called several times to get this matter resolved. The most recent letter being on XX/XX/XXXX the others on XX/XX/XXXX and XXXX still as of today over 90 days later there has been no progress. There are still inaccurate items showing negatively on my report. As mentioned previously to each company I was just made aware of my information being impacted by the XXXX data breach. Now more than ever I fell my information has fallen into the wrong hands. This dispute process has be very long and I feel like Im on a hamster wheel. I read up on how to rectify this data breach and I saw it is illegal to report false information per FDCPA Section 807.
Product: Credit reporting or other personal consumer reports

see XXXX  and experian in court in ohio. tired of XXXX XXXX with my credit score. XXXX just made homeless playing with credit score for no reason. how in the XXXX you go from XXXX credit score to a lousy XXXX credit score and you have done nothing like be stupid enough to go get my XXXX back in deb after bankruptcy. WHAT XXXX PERSON DOES THAT? 
EXPERIAN AND XXXX BOTH can explain this to a XXXX XXXXXXXX XXXX courts judge. 

I am going to fight like XXXX to get this mess they have caused me corrected. 

XXXX has their INFO right. I am coming for these two credit bureaus and yes I am going to file DISCRIMINATION YOU BETTER BELIEVE IT. 
I am also going to be adding the consumer protection to my law suits for allowing these 2 credit bureau to not follow US federal unfair credit act.
Product: Debt collection

On XXXX they called my cell phone I called back told them they were notified repeatedly not call my cell phone the guy claimed he was in compliance department said he'd mark it and hung. Claimed they can call anytime a new account hits
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, I noticed an accounts reporting late payments inaccurately. I have contacted the company associated with these accounts, and they have confirmed that the late payments were errors and have agreed to update my accounts and remove the late payments. 

I would like to bring to your attention that other credit bureaus have already corrected these accounts on their end. Therefore, I kindly request that you update my credit report to reflect these corrections. 

Below are the following accounts in question : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

In XX/XX/2022 my account was locked and I could not get back into the account to pay my bill I reached out to grain but did not receive any help. They reported me late to the credit bureau. But they also took a payment that month. I managed to get back into the account by acting as if it was a new account but a week after I was locked out again. I now have 4 missed payments from them the most recent being in XXXX but I can pay my account because I dont have access to my account they have the ability to take payments whenever they want in XXXX they took 2 payments from my account. Ive asked them to just take whatever I owe and close the account but I havent gotten any response back when I check reviews there are hundreds of reviews saying the same thing and my fianc has grain and is going through the same thing.
Product: Debt collection

TODAYS DATEXX/XX/2019ATTENTION DISPUTE DEPARTMENT DEBT REC SOL XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C.  1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In  general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this  title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious DEBT REC SOL XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/1979 ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX