23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I am writing to express my dissatisfaction with the services provided by XXXX, Equifax, and XXXX regarding the accuracy of my credit reports and the subscription fees being charged. 

Despite my efforts to ensure the accuracy of my credit reports, I have noticed that incorrect and outdated information remains uncorrected, even after multiple disputes and communications. This lack of resolution undermines the credibility of the credit reporting system and negatively impacts my financial standing. 

Additionally, I have subscribed to premium services offered by your organizations with the expectation that they would expedite corrections and provide meaningful updates. Unfortunately, I have experienced no tangible outcomes from these services, making the subscription fees seem unjustifiable.
Product: Credit reporting or other personal consumer reports

Early Warning Services is in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681, for unlawfully obtaining my consumer file without my authorization or permissible purpose under the FCRA. SEE 15 U.S. Code 1681 ( b ). Specifically, the FCRA provides, A person shall not use or obtain a consumer report for any purposes unless - ( 1 ) the consumer report is obtained for a purpose for which the consumer report is authorized to be furnished under this section; and ( 2 ) the purpose is certified inaccordance with section 1681e of this title by a prospective user of the report through a general or specific certification. 15 U.S. Code 1681b ( f ). Chester v. Purvis 260F. Supp. 2d 711 ( SD Ind. 2003 ). 15 US Code 1681b Permissible Permissions of consumer reports states any consumer reporting agency may furnish a consumer report under the following circumstances and no other, ( 1 ) in response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal Grand jury, or subpoena issued in according to section 5318 of title 31 or section 3486 of title 18, ( 2 ) in accordance with the written instructions of the consumer to whom it relates. I have not initiated any transaction with Early Warning Services Further, I do not have an account as defined under 15 U.S.C 1693a ( 2 ) with Early Warning Services for review or collection, not have I given any express permission to report any accounts I deem to be impacting me negatively/damaging my consumer reputation. Furthermore, under the FCRA. Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both. 15 U.S.C 1681q. I and demanding the following accounts be removed effective immediately from my early warning reports. 

Any and all accounts associated with XXXX, XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX need to be removed from my repairers as I have not consented to any reporting on these accounts nor has early warning conducted any proper investigation or administrative process to confirm these reports are accurate.
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 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 fumish any information relating to a consumer to any consumer reporting agency it 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 express my deep concern regarding the disputed accounts on my credit report. Despite multiple attempts to address the inaccuracies and requesting thorough investigations, I have yet to see any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to lead a normal life. 

The negative impact of these inaccuracies has caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. 

It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file, so I may regain control over my financial well-being. 

I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. 

Thank you in advance for your understanding and assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

My complaint is harassment  and penalizing  treatment by Midland Mortgage aka Midfirst Mortgage aka Midland Bank, incorrect information reported to credit reporting agencies, misuse of escrow funds, over charges of escrows, forced insurance purchase, not abiding by established mortgage terms after purchase of loan from XXXX XXXX. 

XXXX XXXX XXXX Midland Mortgage purchased my mortgage from XXXX XXXX. Hurricaine Florence hit XXXX XXXX my area was declared a disaster area by FEMA and the President. I requested a deferment from XXXX, and was granted a via letter dated XXXXforbearance thru XX/XX/XXXX w/ my loan being current the next payment due XX/XX/XXXX for a total of 3 payments. Immediately upon being notified of the new mortgage servicer Midland I contacted them early XX/XX/XXXX and sent copy of the granted forbearance. From that point I have received countless letters stating I was delinquent despite the approved deferment/forebearance. They sent me a letter on or about XX/XX/XXXX my wind and hail ( extra insurance NOT REQUIRED by XXXX ) was expired. That Midland purchased w/my escrows Wind and Hail from their Ins. Co., ( Force Purchase, Midland a party to a past class action suit force purchasing Ins. for homeowners ) I on XXXX XXXX XXXX provided proof of Wind and Hail I purchased good thru XX/XX/XXXX and was paying for in good standing. This forcing Midland to cancel their Forced Purchase. Midland at that point Took funds from my Escrow Acct. and purchased Wind and Hail again at full price of {$1700.00} ( I was already paying for causing Duplicating payments ) ) causing my Escrows to go in arrears. They also are demanding xtra escrow above the needed balance to pay the bills. My monthly escrow payment went from {$240.00} to {$650.00}. 
Midland Mortgage pressured me to apply for a Loan Modification and sent applicable plan which increased my Mortgage Interest rate to more than 5.4 % from a 3.8 % I currently had. This would have given Midland more than {$100000.00} over the life of the loan. I refused the modification and informed Midland I would pay up what I owe n my own. I spoke w a male supervisor who threatened me if I did not accept the Modification plan that they would report to the credit reporting agencies late payments. I rebuffed and stated the previous forbearance d/t disasters should not report the forbearance as late or delinquent. I subsequently expressed Midland was unfair, harrassing  and deceptive in not explain consequences of a forbearance in my initial notification to them. I paid all owed mortgage payments w/I 3 months. and am current in my mortgage since. Midland reported to the credit agencies 90, 60 and 60 days late payment even though I pain all owed. All conversations and calls to them  have been recorded by them. I had an attorney sent a letter w/no resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media. 
I have already experienced fraud charges resulting from the Equifax data breach. 
Going forward equifax should be required to monitor every account and notify victims if any fraud occurs. Credit fraud protection should be mandatory for every account, not an option for us to have deal with. 
This should be rectified firstly by making credit freezing free and refunding everyone who paid for it following this data breach. Requiring a police report is absurd when they clearly know if you were affected
Product: Credit reporting or other personal consumer reports

I recently checked my credit report and its showing unauthorized, and unverified inquiries according to the FCRA I am due fair credit reporting. I will list the inquiries below as well as the bureaus I need them removed immediately. XXXX : XXXXXXXX XXXX  XXXX, XXXX XXXX  XXXX XXXX, XXXX XXXX Transunion : XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX.
Product: Checking or savings account

Between XX/XX/XXXX and XX/XX/XXXX XXXX I received XXXX welcome emails from Chime indicating that I had opened a new account and should be on the lookout for a new debit card soon. 

I've never done business with Chime. 

On XX/XX/XXXX I called to inquire about the account being opened in my name, indicated that any account in my name should be closed since I didn't consent to it, and I asked for a receipt of our conversation. The first representative hung up on me. 

When I called back I was connected to a different representative XXXX XXXX XXXX who said she had no record of my email address being connected to any account. I asked to speak with a supervisor and that request was denied. 

Subsequently I received a XXXX email from Chime to say that my profile had been updated changing my email address on file from XXXX to XXXX. Because of this, I suspect this XXXX company is creating accounts without consent and should be investigated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed a dispute in regards to incorrect information on my credit report. It has been over 30 days and I haven't received a response
Product: Credit reporting or other personal consumer reports

I HAVE UNAUTHORIZED CREDIT INQUIRIES ON MY REPORT. THEY ARE XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

On XX/XX/XXXX I sent a XXXX to XXXX challenging a collection account from XXXX that did not belong to me. It was then deleted from my credit report. XX/XX/XXXX I noticed the collection came back with a different name. The name is XXXX. XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is information on my credit report for accounts that is false. I have no knowledge of the information on these account. This is False. Please remove from my report.
Product: Debt collection

I, XXXX XXXX, checked my credit report and noticed some fraudulent and inaccurate accounts and inquiries on my credit report. I reached out to the credit bureaus to remedy the situation but they would not help me to remove these fraudulent accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to request a correction of the following information that appears on my XXXX, XXXX, and XXXX credit consumer reports : Dispute : Capital One Auto Finance I have reached out to both Capital ONE and the credit reporting agencies for the past two years. I am a victim of identity theft. There has been a police report filed regarding someone purchasing a car in my name. I now have a freeze on my social security to alert me when my credit or name is being used as well as a pin assigned each tax season. All of this was provided to capitol one with no resolution. I cooperated with their investigation team and got no help with removing this. It was charged off .Eventually I able to have one Credit agency remove it from my report however I am having to re dispute this with each agency. I have attached proof of all vehicles ever registered in my name as well as proof of the credit agency removing it from their system. 

Thank you for your assistance. 

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, a leading subprime auto lender, will pay {$11.00} XXXX to settle claims that it misled customers about the. 
If a bill collector violates the Fair Debt Collection Practices Act, you might be able to sue and recover money and other damages. The Fair Debt Collection Practices Act ( FDCPA ) protects debtors from harassment by debt collectors. If a collector has violated the FDCPA, you can sue the collector in court. 
XXXX XXXX : XXXX XXXX credit card holders who had debts released in a Chapter XXXX bankruptcy, can get cash from a {$10.00} XXXX class action settlement. 
XXXX
Product: Credit reporting or other personal consumer reports

Subject : Request for Removal of Unauthorized Hard Inquiries To whom it may concern, I am writing to formally dispute several unauthorized hard inquiries listed on my credit report. Upon reviewing my credit file, I noticed the following inquiries that I did not authorize : [ XXXX XXXX ] [ XX/XX/year> ] In accordance with the Fair Credit Reporting Act ( FCRA ), Section 604 ( a ) ( 2 ), hard inquiries require express authorization from the consumer. If an inquiry is not authorized or verifiable, it must be removed from my credit report under Section 611 ( a ), which grants me the right to dispute inaccurate or unverifiable information. 

As these inquiries were not authorized by me, I am requesting that you immediately investigate and remove them from my credit report. I have attached a copy of my identification. 

Please be advised that, at this time, I have placed a freeze on my credit to prevent any potential fraudulent activity due to the unauthorized inquiries. I believe this precaution is necessary to protect my credit and personal information while we resolve this issue. 

Please provide me with written confirmation of the removal of these inquiries or, if you believe these inquiries were authorized, provide proof of my consent. Failure to do so within 30 days constitutes a violation of the FCRA and may result in further action. 

Thank you for your prompt attention to this matter. Please confirm receipt of this letter and provide updates to my address above.
Product: Credit reporting or other personal consumer reports

IMMEDITE REMOVAL OF ACCOUNT TO AVOID USING THIS EVIDENCE FOR A CIVIL CASE FOR VOILATING MY CONSUMER RIGHT
Product: Credit reporting or other personal consumer reports

please delete the following accounts and inquiries it's been a month since i send my dispute why they don't ressponse? please delete XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

I received today, XX/XX/2022, my Truth-in-Lending Disclosure from Affirm, Inc. for a closed-end installment loan to purchase a health/exercise program ( the " Product '' ) from the company called XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Affirm , Inc. and it's related company - Affirm Loan Services, LLC ( " Affirm '' ) provided the loan to purchase the Product via a bank partner - in this case, XXXX XXXX XXXX  ( the " creditor '' ). I signed up for the Product back on XX/XX/2022 and I was not able to " read before you sign '' because every thing was online and I was not able to access my TIL disclosure via online. I was not provided the TIL Disclosures via email - however - I did receive a " welcome letter. '' I was given false statements on how to make my monthly payments and after contacting " Affirm '' Call Center in the XXXX, they were finally able to get the TIL disclosures out to me - today, XX/XX/XXXX. XXXX says that I can not cancel and it is not refundable - they state that I had XXXX hours to cancel after getting my disclosures- back on XX/XX/2022. I never received such disclosures. Payment is Due XXXX - XX/XX/2022. I am disputing with Affirm but they say that a payment is due now even though I have postpone my Product to XX/XX/2022. XXXX is willing to postpone my Product to XXXX but Affirm is not willing to postpone my first monthly payment to XXXX. False statements and misrepresentations were given to me to get me to sign now versus later. I was told that I can make my monthly payments via my credit card and I learned today after receiving the TIL Disclosures that I can not make the monthly payment on a credit card. I feel I was pressured to sign immediately without reading the TIL disclosures.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the fair credit act XXXX  account numbers XXXX has voilated my rights 15 usc 1681 section 6028 states i have the right to privacy 15 usc1681 604 section 2 also states a consumer reporting agency can not furnish your account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed this problem in XX/XX/2022 " I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission, and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible
Product: Checking or savings account

On XX/XX/2019 at XXXX I received email notifications from my Chase Bank checking account that indicated that multiple online wire transfers were made from my account. As I did not make any wire transfer myself and I spoke to my wife ( who is the joint holder of the account ) and got confirmation that she did make any transfer as well, I immediately called Chase Customer Service at XXXX ( XX/XX/XXXX ) and notified about the fraud activity and asked to stop/cancel the transactions. Customer service agent confirmed me that she immediately froze my account and the transactions will be cancelled and the money will be returned to my account. As to follow internal the procedure of Chase, she asked me to open a claim process which I did over the phone at the same time. However, after a long so-called investigation process, Chase denied my claim. I talked to chase representatives over the phone several times. I provided records to the alerts as well as my call logs with customer service. One of the  evidences indicates that the hackers changed my contact number in my account profile after they accessed to my account. But nothing changed the denial decision. Some supervisors were very rude over the phone and literally told me that Chase has nothing to do any more and I should try with external agencies. Now, the question is : 1. There were total 6 transactions made by the hackers who hacked my online account. Among the six, chase cancelled two transactions, but never canceled the other four. Chase is unable to answer why they did not take appropriate actions to stop other four transactions. Note that I informed them about the fraud activity in less than 30 minutes. 
2. Chase stopped 2 transaction based on my reporting on the fraudulent activity, how come they deny claim for other 4 transactions where I reported all of them as fraud transactions. All the six transactions were made to the same destination bank account. If Chase is convinced that two of them are fraud, then what is the logic that other fours are not? I believe that the investigation team is missing to see the whole event holistically and thus drawing a wrong conclusion. Or there might be mishandling of my fraud report and someone did not cancel the other transactions ; Chase is now trying cover that up. 
By doing this, Chase is making me to lose of a large fund of {$19000.00} and not taking any responsibility of its customers lose. The way chase is handling its customers case is total carelessness and lack of accountability which is not expected from a large Bank like Chase. 
I would like to request for a proper review and fair resolution of this case so that we get our money back.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX has violated my rights 15 USC 1681 section 602 states I have the rights to privacy 15 USC 1681 section 604 A section 2 also state a consumer reporting agency can not furnish you without my written of instructions so what that means is I have rights to my privacy
Product: Checking or savings account

My account was closed with no warning or explanation and when I called they refused to give me any answers as to why and only told me I wasn't getting a refund
Product: Money transfer, virtual currency, or money service

I was scammed after I tried to call the XXXX customer service line on XX/XX/XXXX after receiving an email telling me my account, which I thought I deleted years ago, was hacked. I called, and a person picked up. They told me that my IP address had been compromised because the hackers from XXXX were using cryptocurrency and in order to track them down and remove the flags on my account they needed me to follow their steps. When proceeding with the steps they remotely began recording my screen, and received my Venmo information, their transfer went to my brother and then back to my account which they seem to have taken afterward. They then made me move over to my PayPal account. After losing a total of {$1500.00} through their scam, I realized it was a scam and reported to Venmo and Paypal what had happened. Paypal had not approved the transfers, so nothing happened there and no issue/claim was filed because I still had the money, but Venmo took a claim on XX/XX/XXXX for the transfers that are still pending on my account. I looked up similar issues people have had online, and people list that they hack into XXXX and rig the accounts, and then when you call XXXX 's helpline they hack in and pretend to be assisting you. I also filed a claim with XXXX after purchasing two gift cards for {$400.00} and {$500.00} dollars after their instruction in order to " lay a trap for the hackers to use the gift card numbers '' but " a credit line would be issued to me within 24 hours to refund the money so that I wouldn't be getting charged. '' It's very recent after my claims so I'm not sure if I will be refunded, but I figured I'd better fill this out in case.