23daVinci/CFPB_Complaints huggingface dataset:
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. Account name : XXXX  XXXX XXXX XXXX, Account Number : 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. 

Note : XXXX and XXXX already removed this from my credit report. I don't understand why Equifax is still not able to remove this. Please remove this asap as this has already been paid ahead of time and it's still shows late for 30days which is incorrect.
Product: Checking or savings account

On XXXX I opened a checking account online at Citibank because they are close to where I live and I was behind on rent and my Management company was requiring a cashiers check. I deposited {$4900.00} on XXXX cash in the branch, which was to go to the nearly {$9000.00} I needed to pay toward back rent. On XXXX I initiated a bank transfer to Citibank For {$5000.00} from XXXX  XXXX XXXX. I was going to go to the branch on XXXX to get the cashiers check and the morning of XXXX, Citibank blocked my account and said they would close my account within 60 days and issue a check. I have no funds and just was hospitalized with XXXX  XXXX. Please help. 
I have nothing to live on and have to have a place to live.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporter XXXX  ... .acct # XXXX acct # XXXX acct # act. # XXXX act. # 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
Product: Debt collection

The credit reporting agency isn't removing an old debt. The information is incorrect, and balance was supposed to be remove since XX/XX/2014. Company agrees to remove the account after paid. Still showing on all three credit reports agencies.
Experian, XXXX.

It has been removed from XXXX and still showing on the other sister credit bureau.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several time I've complained about being a victim of identity theft. You must remove/block any items that 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 information relating to any transaction by the consumer. XXXX XXXX XXXX  XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX  XXXX NY XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$40000.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Debt collection

XX/XX/XXXX requested validation of a debt that showed up on my credit report with a Collection agency Calvary SPV. I have never received validation of the debt. On XXXX XXXX the court entered Judgement in favor of plaintiff against me for XXXX although I never received validation of the debt. The attorney for Calvary did a bank levy for the debt and took the money out of my account without notification. I filed a dispute with the courts and received my money back because they garnished my XXXX money which is not allowed by law. When asking the Attorney in the break out room when told by the Judge to talk and negotiate the situation, I told the attorney representing Calvary I don't know who this debt collector is, I don't owe them any money and where did they sent the original debt to and the address he gave was not my address. There is an Attorney that is representing Calvary SPV at present time that is continuing to collect on a debt that has not been validated And now again on XX/XX/XXXX I received another notice for wage execution. This has got to stop. I feel like I am being harassed at this point. Any help would be greatly appreciated. Thank you.
Product: Credit card

I lost my job back on XXXX XXXX, 2015 and then on XXXX XXXX my wife and I had a baby. Knowing that we are in serious financial trouble I called one of my credit card holders, Wells Fargo, who holds my XXXX XXXX Credit Card ( Account : XXXX ) and tried to set up some type of plan to continue paying on my account, but with a lesser payment amount. I spoke to the CSR who was willing to try to help me, she kept going back and forth between her supervisor and I and eventually came back and said there is nothing she could do. I asked to speak to her supervisor and she transferred me. I then spoke with XXXX of collections and explained my financial hardship to him and he said there was nothing he could do. I just find it very upsetting that we are trying to do the right thing and make payment arrangements and they are unwilling to accept anything from us.
Product: Money transfer, virtual currency, or money service

Hi I bought something on XXXX on XX/XX/year>. Payment USD {$490.00} through Paypal. Tracking tells that the seller sent package to someone's XXXX XXXX XXXX My address is NOT a XXXX XXXX XXXX so I do not receive it. Paypal do not apply refund. Transaction number : XXXX Thank you
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Ny XXXX INACCURATE INFORMATION To Whom It May Concern, Going over my credit report, I have found it has many errors. It has come to my attention that you are reporting what I believe to be inaccurate data, which I dispute, and this letter is an appeal for your assistance. As a national reporting agency, you are governed by the Fair Credit Reporting Act ( " FCRA '' ), which protects consumers from inaccurate, outdated, or invalidated information reporting of their credit file. The FCRA states that it's the Credit Bureau 's responsibility to ensure that all information contained within consumer credit files is accurate and free from errors. According to federal law, you are required to comply with the requirements imposed under the FCRA, 15U.S.C. 1681 et seq., including but not limited to : follow reasonable procedures to assure maximum possible accuracy of the information in the consumer report, as required by 15 U.S.C. $ 1681e ( b ) ; 2 ) comply with the investigation requirements ; 3 ) should not provide consumer credit file to companies without determining that these companies had a permissible purpose to obtain consumer credit file pursuant to 15 U.S.C. 1681b ; 4 ) provide consumer credit file pursuant to 15 U.S.C. $ 1681g ; 5 ) et seq.

Accordingly, I request your company to provide verifiable documentary proof ( e.g., original consumer contract or similar proof bearing my wet ink signature on it ) you have on file of accounts/items listed below. Under the FCRA, if you do not provide documented and verifiable proof, you must remove all unverified, invalid, derogatory information from my consumer disclosure report. For your convenience, I am sending you a list of the items you need to verify them. These listed accounts are neither my debts nor my authorized inquiries. Please correct this by the removal of these items from my credit report. See. Exhibit A. Upon completion of your investigation, please send a detailed description of the procedures used to determine the accuracy of the account ( s ) I am disputing, as well as the name and contact information of the agent conducting the said investigation in case further communication is necessary. I know that your company will need some sort of verification to prove my identity. My information is clearly shown below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Phone - XXXX Inquires that need to be removed XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I let the company know that Im the registered XXXX XXXX XXXX XXXX  and that a charge off is a Certificate of indebtness/ and is income. Income can not be reported on the consumer report and needs to be removed.
Product: Money transfer, virtual currency, or money service

On XXXX XXXX XXXX XXXX XXXX made a payment of {$34000.00} from its XXXX account to the account of XXXX XXXX XXXX XXXX XXXX XXXXXXXX, opened in XXXXXXXX XXXX XXXX XXXX XXXX  XXXX JP Morgan Chase Bank was an intermediary bank in this chain. On XXXX XXXX XXXX XXXX was designated under the Executive Order 14024. Considering this, my payment must be blocked by intermediary bank according to US sanctions regulation. In order to unblock the payment, I need to apply for a specific license to OFAC. However, JP Morgan Chase Bank has not still blocked the payment or has not informed originating bank about freezing measures. Thus, I can not apply to OFAC for a license that is necessary to unblock my funds because to do so, I must fill in some data and specifically the date when the payment was blocked. Otherwise, OFAC may not locate the records of the blocked payment. On XXXX we tried to contact JP Morgan Chase Bank via XXXX from XXXXXXXX XXXX asking them to clarify if the payment was blocked and reported to OFAC and when. Still, JP Morgan Chase Bank has not responded. Thus, I can not apply to OFAC for a license that is necessary to unblock my funds.
Product: Debt collection

ABILITY RECOVERY SERVICES , LLC {$1400.00} they say it was opened XXXX this account was fraudulently opened I am a victim of identity theft please remove my name of this account as it is fraud and does not belong to me
Product: Credit reporting, credit repair services, or other personal consumer reports

The following credit inquiries listed on my Equifax credit report are unauthorized and fraudulent : XXXX XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, and XXXX XXXX, XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

MOHELA & MISSOURI HIGHER LEARNING EDUCATION & WORKFORCE DEVELOPMENT are reporting the same debt on my credit report.XXXX XXXX XXXXXXXX are reporting MOHELA, XXXX is reporting MISSOURI HIGHER EDUCATION .It is a violation for two different companies to request the same debt it is also a violation reporting such inaccuracies such as Dates, Account numbers, Creditor Names & Balances on my credit report.These are all major violations & holds grounds for deletion. The FCRA requires that credit reporting agencies ensure the accuracy of the information they report ( 15 U.S.C. 1681e ( b ) ). Repeatedly reporting the charge-off each month results in a misleading and inaccurate credit report, which has significantly harmed my credit score. Additionally, the statute of limitations for reporting a charge-off is seven years from the date of the first delinquency that led to the charge-off ( 15 U.S.C. 1681c ( a ) ( 4 ) ). Continuously reporting this charge-off as a new event each month does not reset the statute of limitations and is improper.Under the Fair Credit Reporting Act ( FCRA ), Section 611 ( a ) ( 1 ), credit reporting agencies are required to conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate. Furthermore, Section 611 ( a ) ( 5 ) ( A ) requires that any information found to be inaccurate, incomplete, or unverifiable must be promptly deleted. Also a 1099-C is required under IRS regulations for the cancellation of debt, and was never produced.
Product: Credit reporting, credit repair services, or other personal consumer reports

During the last 45 days I got 6 hard inquiries regarding one of the credit bureaux ( Equifax ). From the six active inquiries, 4 of them are coming from the XXXX XXXX. The first inquiry had the aim to fulfill the process for accepting a mortgage application ( and it was authorized by writing ). Them, the rest of the three inquiries were unauthorized credit inquiries with no legitimate purpose. The second inquiry is consequence from a lack of professional competence, and the subsequent need to repeat something that has been done previously. The problem is that there is no explanation for the last two inquires and, furthermore, there is also no prior authorization. 
As you know, multiple hard inquiries spread out over a longer than two weeks period of time can significantly damage credit scores and may impact the ability to qualify for a new credit. Furthermore, legally, hard inquiries can not occur without the own permission, which doesn't occur in the last two hard inquiries from the XXXXXXXX XXXX.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 

[ Identify item ( s ) resulting from XXXX that should be blocked, by name of the source ( such as the credit card issuer or bank ) and type of item ( such as credit account, checking account, criminal conviction, utility account, etc. ). 
XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a mark on my credit report showing I'm in default for a loan from a XXXX, Oregon XXXX XXXX in XX/XX/2019, this is impossible I was not even in the state of Oregon. I have disputed a similar inquiry from them last year and was able to prove it was fraudulent, this remark was removed. Now it is back again. I believe my identification is fraudulently being used by someone else. 
My wallet and ID were stolen almost 5 years ago and never recovered. 
I have never been to a speedy cash ever. Please help, I don't know how to fix this.
Product: Mortgage

I applied for my home loan through chase bank. Beginning at the end of XX/XX/XXXX chase bank still told me to wait until XX/XX/XXXX. my closing date is XX/XX/2019So I missed my closing datechase bank inefficient work, my rental APT has expired and I need pay additional lawyer fees and pay cancelation fee to XXXX XXXX XXXX XXXX, chase bank wasted my time and money I have paid {$500.00} for property valuation, chase bank Official website said " Guaranteed fast closings or get {$1000.00}, Were committed to making your new home purchase as easy as possible. Now we also bring peace of mind with the Chase Closing Guarantee : we promise an on-time closing in as soon as three weeks or you get {$1000.00} back. '' I decided not to wait, I want to cancel my loan
Product: Credit card

For the past 3 months, I have made every effort to resolve my account issues with XXXX. Despite complying with payments and attempting to honor the original agreement of 0 % APR for 1 year, XXXX refused to uphold the terms. I repeatedly reached out via phone, email, and branch visits to discuss a payment arrangement, but no offers were made. 

Today, XX/XX/year>, I discovered my credit card was charged off despite my ongoing payments and efforts to negotiate. Additionally, XXXX removed my credit card from my online account, deleting all the messages I had written to them, seemingly to cover up the fact that I had been actively trying to arrange a payment plan. When I contacted customer service, I was told the account was in collections and that I " should have tried more. '' However, I did everything possible while balancing my work obligations. 

The agent mentioned the charge-off could only be overturned if it was a bank error, which it issince I have been in compliance. XXXX can not simply charge off an account when I was trying to get the 0 % APR honored and set up a payment plan. 

This situation is completely unjust, and XXXX actions do not reflect my consistent efforts to resolve the issue.
Product: Student loan

2 years ago by balance with Navient was around {$5000.00}. I had sent up account with Navient and consistently payed Navient. Navient just last month sold to XXXX, in which XXXX is reporting my balance to be {$5600.00}. The last reported amount that I needed to pay was {$680.00}. I have repeatedly tried to call Navient to get the information that was passed to XXXX last month to get the correct balance that was transfered to XXXX but they have told me that they do not have any information regarding my account.
Product: Credit reporting

I went to the free sight for getting my annual report. After entering all info and gaining access to the page beginning process I checked all XXXX reporting companies. I went to my first company TransUnion and was given access to my report. After perusing the different accounts and saving and printing the report, I then clicked " CREDIT SCORE ''. There was nothing on this page. 
My second Company XXXX showed me the following : " WE CAN NOT DISPLAY YOUR REPORT ONLINE ''. o further explanation was given. I was able to purchase the credit score by joining XXXX for {$1.00}. I then got the score but had to cancel my membership within 7 days or be charged the full membership which would be automatically renewed every year until i cancelled. I, of course immediately cancelled. The 3rd company, XXXX, was the worse. They simply responded, after my entering pages of questions, that " WE CAN NOT DISPLAY YOUR REPORT ONLINE '' .No other offers or explanations were given.
Product: Credit reporting or other personal consumer reports

This is purely identity theft. I do not recognize this account. This account damaging my good credit reputation! 

In accordance with the Fair Credit Reporting act. This account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



Closed Account : 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 REMOVE THIS IDENTITY THEFT ACCOUNT ASAP!!! 

I will never stop filing complaints against you because I know my rights!

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

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

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

After 2 months of my experian score increases, the last change was +2 points on XX/XX/2019 to XXXX. On XX/XX/2019, I attempted to use experian boost and provided access to my credit cards and bank account. For no reason my score was dropped 5 points immediately by experian. Tried to call experian and was placed on hold for more than 30 minutes and forced to listen to repeated advertisements about experian premium packages and benefits which would expedite contact with experian personnel and assistance. This is not proper and my score should not be affected by my refusals to buy experian products.
Product: Debt collection

Cardmember Service is reporting inaccurate on my credit report. It still report as a Charge-Off when the debt on the account was settled in prompt of deletion off my credit report. I dont know how you people determine accuracy when it's a false item on my report & effects me & my family. It doesn't effect CFPB nor Elan. I called the Cardmember Service on XX/XX/XXXX I spoke with a representative who said I owed a balance of {$150.00} but, no further payment was needed & they was going to delete the tradeline. I settled the account back on XX/XX/XXXX of {$350.00} why do I still owe {$150.00}? Negatively reporting as a Charge Off to my report.
Product: Credit card or prepaid card

On XXXX XXXX, 2017, I took an XXXX XXXX flight from XXXX, XXXX to XXXX, PA ( flight XXXX ). XXXX charged me {$100.00} for checking a bag on this flight. I paid this fee by using my XXXX XXXX XXXX XXXX credit card, which is issued through Barclays Bank Delaware. XXXX lost my bag and it was finally returned four days after the flight landed in XXXX. I spoke with XXXX on each day to determine the progress in the search, and each time I was told that XXXX would issue a refund for the baggage charge. I was also instructed to contact the refund site for XXXX and explain the circumstances and request a refund. I did this on XXXX XXXX, 2017. I  did not hear any response from XXXX regarding my refund request so I contacted the XXXX/Barclays credit card issue to contest the charge. The credit card company told me that I had to deal with the XXXX XXXX company for the refund, and she tied an XXXX XXXX representative into the call. XXXX XXXX told me to submit another refund request. I told the credit card representative that I wanted to contest this transaction. The credit card representative refused to record a challenge to the transaction and again told me that I had to deal with the airline. The credit card representative told me that she could not record a challenge to the charge because the airlines had not guaranteed to deliver my bag as of any particular date ; I responded that it was implicit that it would not take four days to deliver the bag. I have spent hours on this dispute -- going back and forth between the credit card company and the airline. It is my understanding that I have the right to challenge a credit card charge and that XXXX/Barclays should have cooperated even though the dispute is with its affiliate, XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$10000.00} -This is not my account.

2. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$11000.00} -This is not my account.
Product: Credit card

In XXXX 2024, I purchased a pair of shoes from XXXX. Unfortunately, the shoes were too large, so I initiated a return. XXXX provided a return shipping label, and I used this label to send the item back. However, XXXX, the XXXX, ceased updating the tracking information during its return journey. 

Despite my efforts to return the item and having the complete tracking history available online, XXXX has claimed that they did not receive the returned item. Additionally, my bank ( WELLS FARGO ) has refused to assist with the dispute and will not issue a credit back to my account. This situation has left me with no resolution, and I urgently need assistance to rectify this issue. 

my dispute id is XXXX