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

I HAVE BEEN AFFECTED BY THE EQUIFAX XXXX BREACH. PER XXXX XXXX XXXX XXXX STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Checking or savings account

On XXXX, I contacted my bank, Chase, and placed a claim against the merchant, XXXX. Due to services not be fully rendered. At the time when I spoke to the representative I asked them if they needed any specific information from me and they stated " not at the time. '' I advised that the merchant did not provide me with the services for the duration required. I was provided with a refund in the amount of {$120.00}. I never received any calls, emails or letters concerning any information being requested or otherwise concerning my claim. On XXXX, I received a letter in the mail stating that I would be charged-back to my account on XXXX in the amount of {$120.00} because Chase receive information from the merchant concerning my claim being false. Please see the copy of the letter below. Base on the information that I was told, I was NEVER asked to provide any information concerning the claim. I never received any other letters, emails, statement, etc. I feel that this is completely unfair to me! I am a good customer and I don't purposely or intentionally cause any problems. But Chase bank and their representatives are not treating me fairly. I had to call over three different times on XXXX. I spoke with 5 different people their names were, XXXX, XXXX ; XXXX, Account Supervisor, XXXX, CSR, XXXX, Supervisor in CSR and XXXX, Ticket Submitter When I spoke with XXXX, she stated that it didn't matter what information I had in defense of what occurred with the merchant rather it is text messages, emails or whatever. She said, " the bank is NOT going to recognize it! ". I was hung up on by XXXX and spent 1 hour trying to get back to the executive office, just so I could encounter him again. And he said that he didn't talk to me or hang up on me and he did! I told him that they can pull the tapes! at the Executive office. He gave me a Ticket # XXXX. When asked how long it would take for someone to contact me he said he didnt know! He refused to allow me to speak with anyone that could possibly help me to get this situation rectified. Additionally, this problem has caused my account be be overdrawn! I had a credit card payment of {$10.00} that is currently sitting in a pending status but is most likely not going to be paid by Chase bank because of their horrible treatment of me and my account! I had money in my account to cover the credit card payment prior to the charge back. My previous balance was : {$38.00}. I want my balance of {$38.00} refunded to my account and I want my credit card payment of {$10.00} to be processed and now I will most likely receive a charge for returned payment which is in the amount of {$30.00} and up. I want Chase bank to pay that as well. In addition, I want them to issue me a letter of apology indicating that they caused my account to be overdrawn.
Product: Debt collection

I just received my first letter from Phoenix Financial Services on XX/XX/23. Their letter states this was the 2nd attempt. I have never seen this before and do not know anything about this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  and Transunion monitor my credit. At the start of 2020 my credit score was XXXX. Over the year it has steadily dropped down to XXXX. Why? I called XXXX and they want me to pay {$15.00} to receive a detailed review. I am not paying XXXX  anything. I am trying to buy property so this issue is imperative now. There's an issue of {$290.00} decrease in credit for which I have no knowledge. I opened two credit cards this year and after THEIR mistakes, I closed both accounts. Apparently closing a credit penalizes the consumer. WHY? My money, my choice, no penalty should be involved especially when no reason for cancelling the account is due to credit company errors. There is NO REASON my score should be steadily dropping. I have no outstanding loans, my house is paid in full and I have NO BALANCE DUE on the one credit card I have, although XXXX has me listed as having two credit cards, and have no idea what they're talking about. I do not like nor want any credit cards because I refuse to pay interest, but keep one open for emergencies, just applied for one and was DENIED. Where do these credit bureau obtain their information and WHY? It seems these bureaus are XXXX and the consumer is left in XXXX on their word. It also appears there is no where to dispute them.
Product: Mortgage

Umpqua Bank did not provide the required escrow analysis for our loan XXXX the XXXX billing statement ( XXXX ). They stated that they were " having issues with their vender '', so none of their customers received a XXXX statement or escrow shortage Disclosure statement. 

Umpqua Bank adjusting my monthly payment on XX/XX/XXXX to include the adjusted taxes & insurance increases, as well as the escrow shortage without providing 30 days required disclosures, and options to pay the shortage in cash or request it to be added to my payments. I noticed the increased payments on XX/XX/XXXX when I went to make my XX/XX/XXXX payment. 

I had to call several times to receive the verbal response of, " your payments were adjusted due to an escrow shortage for taxes and insurance ''. I informed them that they must adjust my payments back to where they were until they've provided the required written notice so that I can pay the shortage in cash, if I so choose, only to be transferred to bank supervisors that were not in the mortgage department and had no knowledge and/or access to the mortgage department. 

On XX/XX/XXXX, I finally got someone to email me the required notice as they stated, " these notices should be mailing out to all our customers shortly ''. I have made the escrow shortage payment, and requested my payments be adjusted as the law required, but no reconciliation or adjustments have been acknowledged or adjusted by Umpqua Bank. 

My husband and I have XXXX mortgages with Umpqua Bank and they were both adjusted without the required written notice. Based on the response, I received on this issue, every mortgage within Umpqua Bank XXXX has been adjusted without proper disclosure.
Product: Credit card or prepaid card

On XXXX XXXX I lost my phone with all my personal information in it. Then on XX/XX/2023 there was a fraudulent charge of {$470.00} on my credit card. As soon as I noticed the charge on my account I called Chase customer service which was on XX/XX/2023. When I called they were able to cancel my credit card and send me a new one. They also told me not to worry about the charge that they will take care of it. On XXXX XXXX they sent me a letter saying that they will not take care of the charge and that I would have to pay for it. Even though I never authorized or purchased anything with my credit card they were going to add the charge back to my account. I don't have the money to pay for that charge and I find it completely unethical that they are making me pay for something I never purchased. When I called on XXXX XXXX to reassure them that I never made that purchase and that they probably stole my information through my lost phone they only said they would look into it but told me that more than likely I'm going to have to pay that charge.
Product: Credit reporting or other personal consumer reports

Credit reports shall not reflect transactions made between consumers and the person making the credit report ( 15 USC 1681a ( 2 ) ( A ) ( i ) ). 

Account opened in XXXX shows no payment history for XXXX or XXXX. The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system ( 15 USC 1681 ( a ) ( 1 ).
Product: Credit card

I made a purchase based on a low APR offer that was advertised on XXXX. The advertisement did not state must be activated prior to purchase, now that I activated it less than a week after ( XXXX ), theyre refusing to honor it and have been charging me the wrong interest since XXXX of XXXX. Not XXXX advertisement states in terms that this is the case. Their supervisor XXXX ( account supervisor ) was extremely unprofessional handling this and then claimed he could not get his supervisor since he was unwilling to do anything. He tried to lie regarding this which is shown below in special interest rate advertisements not XXXX shows what theyre indicating which is bait and switch.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  Account # 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: Credit reporting or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX ending XXXX Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks,
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : DEPTEDXXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX
Product: Credit reporting or other personal consumer reports

I am filing a complaint against TransUnion for inaccurate information on my credit report. Despite filing disputes, the following errors remain unresolved : Old Addresses : My report includes outdated addresses. 

Closed Accounts : Several closed accounts are still listed as open.

Old Employers : Previous employers are still appearing on my report. 

Paid in Full Accounts : Accounts that have been paid in full are incorrectly marked as outstanding. 

Charge Offs and Collections : Resolved charge offs and collections are still showing as active. taxable income why does it appear on my report and who authorized it.

Credit Score Discrepancies : There is a significant discrepancy between my TransUnion credit score and scores from other credit reporting agencies, with TransUnion showing a lower score by [ number ] points.

Accessibility Issues : I have been unable to access my TransUnion credit report despite multiple attempts. 

I request the CFPB 's assistance in ensuring TransUnion complies with the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S. Code 1681i, which mandates credit reporting agencies to correct inaccuracies.

My Rights under the FCRA : Access to Credit Report : Obtain a free copy of my report annually.

Dispute Inaccuracies : Right to dispute incorrect information. 

Notification of Adverse Actions : Right to be informed if credit is denied based on my report. I have never been informed of such actions yet things are recurring on my report Limit Access to Report : Right to control who accesses my report.

Privacy : Protection of my credit information. I OPT-OUT of all data sharing and reporting Correction of Inaccuracies : Right to have errors corrected. 

Reinvestigation : Right to a reinvestigation of disputed information. 

Fraud Alert : Right to place a fraud alert on my report.

Additionally, it is important to note that charge-offs are considered taxable income by the IRS. When a debt is canceled or forgiven, the forgiven amount is treated as income, and I am required to report it on my tax return. TransUnion 's failure to correctly report resolved charge-offs has financial implications and causes significant distress. 

Relevant FCRA Sections : 15 U.S. Code 1681a : Definitions and rules.

15 U.S. Code 1681b : Permissible purposes.

15 U.S. Code 1681c : Excluded information.

15 U.S. Code 1681d : Disclosures to consumers.

15 U.S. Code 1681e : Accurate information. 

TransUnion 's failure to correct these errors violates my rights under the FCRA and has caused me significant distress and financial inconvenience. Please help ensure TransUnion fulfills its legal obligations.
Product: Credit reporting or other personal consumer reports

I never had a XXXXXXXX XXXX XXXX. So, I filed an Identity Theft Affidavit with the Federal Trade Commission as I believe that I was a victim of Identity Theft. I sent a copy of the fraud affidavit to the credit bureaus and the reporting agency asking them to remove this fraudulent account from my credit report and they refused and failed to do so and this is a clear violation of the Fair Credit Reporting Act The law is explained below : The section of the Fair Credit Reporting Act ( FCRA ) that addresses the removal of fraudulent information related to identity theft is Section 605B ( 15 U.S.C. 1681c-2 ), which is titled " Blocking of Information Resulting from Identity Theft. '' This section states that when a consumer provides a credit reporting agency with an identity theft report, the agency must block the reporting of the fraudulent account or information from the consumer 's credit report. Specifically, it requires the credit reporting agencies to remove or block the reporting of information that is the result of identity theft within four business days after receiving : 1 ) Appropriate proof of the identity of the consumer. 2 ) A copy of an identity theft report ( such as an affidavit ). 3 ) The identification of such information by the consumer. 4 ) A statement by the consumer that the information is not related to any transaction of the consumer. The consumer must submit an identity theft affidavit or report ( often obtained through law enforcement or an affidavit via the FTC ). Upon receiving the documentation, the credit reporting agency is obligated to block the fraudulent information from appearing on the consumers credit report. I have am submitting once again a copy of the fraud affidavit that I had submitted before and I am asking you to delete the account called XXXX XXXX XXXX XXXX XXXX from my credit report immediately. A failure to do so will result in taking legal actions against your company for violating my rights under the Fair Credit Reporting Act. Delete the account called XXXX XXXX XXXX XXXX XXXX from my credit report immediately. I have attached a copy of the law that deals with identity theft and the reporting of such information on the person 's credit report. kindly see file attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

Chase Auto Finance is reporting to my XXXX report as a balance of {$560.00} is still due and is being shown as a charge off. This information is incorrect as the loan was paid off in full through my CHXXXX bankruptcy in XXXX in the amount of {$1300.00} this satisfied the loan and the title at that time was released. This should be reported the same as my other two credit reports as paid through CHXXXX account satisfied and closed. I have disputed this with XXXX and Chase numerous times with the standard response of everything is accurate and up to date. I filed a letter of validation with Chase on XX/XX/XXXX with no response as of XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule XXXX ( b ) ( XXXX ) XXXX -- XXXX ( b ) ( XXXX ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within XXXX business days, pursuant to section XXXX of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only XXXX are required per the XXXX. I have provided all needed documentation as well as a victim determination letter according to XXXX ( b ) ( XXXX ). 

To Whom It XXXX Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, XXXX XXXX. XXXX ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to XXXX XXXX XXXX XXXX ( XXXX ). According to, XXXX XXXX XXXX XXXX The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, XXXX XXXX XXXX XXXX - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency XXXX furnish a consumer report und the following circumstances and no other : ( XXXX ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts ( or inquiries ) listed IMMEDIATELY.
Product: Debt collection

XXXX sold the account to XXXX, THIS ACCOUNT WAS DISCHARGE IN XX/XX/2021. WE WILL RE-OPENING XXXX TO FILE ADVERSARY LAWSUITS AGAINST BOTH. SEE ATTACHED
Product: Debt collection

In accordance with the Fair Credit Reporting act XXXX Account # 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 instruction
Product: Debt collection

I XXXX XXXX DISPUTE THE CHARGES HAD BEEN MADE BECAUSE I WAS XXXX AND I DISPUTE THE CHARGES HAD BEEN MADE BECAUSE I WAS XXXX I HAVE THE RIGHT TO REFUSE EXTRA LATE FEES OR CHARGES I CAN SEND A LETTER OF THE XXXX I AM NOT DELINQUENT FOR MY BILLS AND I AM A VICTIM OF IDENTITY THEFT AND I WANT TO SETTLE MY ACCOUNT. 
BEING XXXX I HAVE THE RIGHT TO REFUSE EXTRA LATE FEES OR CHARGES I CAN SEND A LETTER OF THE XXXX I AM NOT DELINQUENT FOR MY BILLS AND I AM A VICTIM OF IDENTITY THEFT AND I WANT TO SETTLE MY ACCOUNT.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that this item is being reported correctly? Who verified this account? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/2021 I applied for a Visa credit card from UnionBank of NY ( MUFG Union Bank N.A. ) using their online application process. The next day on XX/XX/2021 they pulled my credit information, so I know the application was in process. On XX/XX/2021 I called them to see what the status was. The Customer Service Rep I spoke to said she could not tell me anything from what she saw in the system. She further stated that I should receive something in the mail with in 7-10 business days from the application date. It is now XX/XX/2021 and I have not received any communication from them. I called their Credit Card Customer Service again on the XXXX, and they could not tell me anything. They suggested I call the branch near me. I looked up their branches and they are all on the west coast - CA, OR, WA. I called one in Oregon and they had not way to help and suggested I come into a branch. I live in Florida and that is not happening. 

By pulling my credit they have impacted my credit score and thereby affected my ability to get other credit.
Product: Money transfer, virtual currency, or money service

In XXXX, 2022, I sold a watch to someone using Paypal. That person received the watch and acknowledged receipt within Paypal 's communication tool and gave positive feedback on XXXX, where the sale was initiated. 

However nearly a month later, they filed a chargeback claim and would not communicate further. 

I explained the situation to Paypal and, over the course of a month, found 4 other people that had the exact same thing happen when they shipped watches to the same address in XXXX, Florida. I provided extensive communication with the buyer, the additional Paypal users with contact information. 

Paypal claimed that since I had accepted money through " Friends & Family '' rather than sale that they were not responsible and that I would be required to pay the {$5000.00} back to Paypal, even though they charged a sales fee. 

While I now understand that Paypal 's terms of service exclude responsibility for non-sale transactions, their app, which they force to you use if you've downloaded it, does NOT make a distinction between the two payment types and therefore I was not aware that the purchase had been made in an unprotected manner. 

Paypal has since closed my account, without warning ( so my extensive exchanges with them are not accessible ) and has ceased communication. I received a collections letter in the mail the week of XX/XX/XXXX. 

I have documentation from at least 3 other people where this same thing happened to them. I am aware of a 4th. I can provide this information as well as the contact information from the person that " bought '' the watch. 

Additionally, I reached out to my local police department, who claimed that this was not in their jurisdiction because the theft was online and to the XXXX, Florida police/sheriff who also stated that it was not in their jurisdiction because the injured part ( me ) was not in XXXX. My insurance policy does not cover this either. I did file an Internet Crime Complaint Center ( IC3 ) complaint in the spring of 2022 and can provided this documentation. 

I have attached four files : XXXX proof of delivery XXXX confirmation of receipt by buyer Example of a sale that has " Seller protection '' listed merely as " Monday Received. '' The watch sale that lists same " Money Received '' as transaction type.
Product: Credit reporting or other personal consumer reports

Improper use of credit report, unauthorized inquiries need to be removed off my credit profile as soon as possible