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

The FCRA 15 USC 1681 section 602 states " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' Transition and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers ' nonpublic personal information. Financial institutions and Consumer reporting agencies do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to Transunion, XXXX, Furnisher of information to credit agencies, whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( B ) ( C ), 15 USC 1681 ( a ) ( 5 ) I was never informed of my right to exercise my nondisclosure option. This account is an adverse item they are reporting again without my permission which is against the law. 15 US Code 1681s-2 ( A ) ( 1 ) A states 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.15 US Code 1681e, 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Payday loan, title loan, personal loan, or advance loan

Went into Check into CashXXXX XXXX XXXX in XXXX California agent took most of my personal information, became rude when I told him I have no cell phone and challenged me to a fight. He said to " come back at XXXX XXXX and we could talk about it outside '' Said he was in military. I was furious he challenged me a XXXX year old man to a fight. I left without getting a loan while he got my personal information SS Number etc. Asked to speak to a manager and when they would be available, was told he " could not give out that information ''
Product: Credit card

On XX/XX/XXXX, I cancelled my XXXX service because I switched to XXXX. On XX/XX/XXXX, I returned all of their equipment via XXXX. The XXXX tracking number is XXXX and it shows being signed for by a person at XXXX. Beginning XXXX, XXXX, and XX/XX/XXXX I was charged {$210.00} by XXXX. I contacted XXXX, they said I did not have an account with them. I disputed the charges with my Discover Card each time a charge for {$210.00} appeared. Each time it is taken off my account and then recharged. I have not had service with XXXX XXXX since XX/XX/XXXX. I have provided all documentation to Discover. Each month we go through the same thing and they keep charging me {$210.00}. This has been going on for six months.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit Bureaus are reporting a my accounts as charge offs when they are not. By there definition a charge off is when an account is 6 months late/ delinquent. But I never had a late payment. I never defaulted on my payment. The credit bureaus refuse to fix this issue.
Product: Credit reporting or other personal consumer reports

Subject : Complaint Against Equifax for Violation of Fair Credit Reporting Act Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Equifax for its failure to properly investigate and remove inaccurate account information from my credit report in violation of the Fair Credit Reporting Act ( 15 USC 611 ). 

Account Information : Creditor Name : XXXX XXXX XXXXXXXX Account Number : XXXX Amount : {$480.00} XXXX previously submitted a dispute to Equifax regarding the inaccuracies in the above-referenced account. Despite providing evidence supporting the inaccuracies and requesting its removal from my credit report, Equifax failed to conduct a thorough investigation and the disputed account remains on my credit report. 

As a consumer protected under the Fair Credit Reporting Act, I have the right to request the removal of inaccurate or outdated information from my credit report. Equifax failure to comply with this law is a violation of my consumer rights and has caused me financial harm and distress. 

I respectfully request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action against Equifax for its non-compliance with the Fair Credit Reporting Act. I am seeking the immediate removal of the inaccurate account information from my credit report and appropriate measures to ensure that Equifax upholds its obligations under the law. 

Thank you for your attention to this matter. I look forward to a prompt resolution and your assistance in rectifying this issue.
Product: Mortgage

submission # XXXX SELECT PORTFOLIO SERVICING INC. 1. XX/XX/XXXX forwarded debt validation letter to select demanding claim and ownership of note.forwarded copies instead of originals as demanded. SELECT representative suggested I may come to their office in XXXX Utah to examine the originals. since then on XXXX occasions notices have been placed on my door in spite of cease and desist until debt is properly validated. 2. ) XX/XX/XXXX RESPA QUALIFIED WRITTEN REQUEST forwarded by certified mail Select representative responded with refusal to answer all questions explaining some of my questions will not be answered because some my questions are overly broad or some of my requests will not be answered because of propriety and confidential information.3. ) response forwarded with an enclosed affidavit to representative XXXX XXXX demanding a response in her private capacity under penality of perjury have yet to receive the affidavit or a response.4. ) certification of non-response/non performance forwarded and presented XX/XX/XXXX to RESPA letter with NOTICE OF FAULT IN DISHONOR 5. ) CERTIFICATION OF NON-RESPONSE/NON PERFORMANCE and NOTICE OF FAULT IN DISHONOR forwarded XX/XX/XXXX to debt validation letter.
Product: Debt collection

On the XXXX XXXX XXXX I received two invidious letters from the law office of Pressler, Felt and Warshaw, LLP, XXXX XXXX  ; on behalf of two debt collection agencies : XXXX XXXX XXXX XXXX XXXX XXXX XXXX The letters purport that I owe some unspecified and unsubstantiated debts, and that a wage garnishment order has been exigently executed and sent to my current employer. 

Let me unequivocally state that I do not recognize these fictitious and mendacious accounts, neither do I intend to make any payments therein. Succinctly, I will pay XXXX dollars! I refuse to be inveigled, inculpated or browbeaten into accepting any pecuniary responsibility or obligation, concerning the debts. 

Furthermore, the letters did not specify any dollar amounts owed, nor have any appurtenant evidence linking me to these debts. Be apprised that I am requesting a debt validation notice on these accounts, and will also be contacting the office of the NJ Attorney General.
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 : XXXXXXXX XXXX XXXX Account Number : XXXX has violated my rights. Or a list of inquiries : 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 an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

I was originally quoted a different price for an appraisal on the loan estimate. That price was raised later.
Product: Money transfer, virtual currency, or money service

Commencing on or about XXXX XX/XX/year>, I fell victim to a multi-layered scam operation run by XXXX which involved me making deposits for a total amount of XXXX USD from my Coinbase account to fraudulent investment firm ( XXXX ).
Product: Debt collection

On XX/XX/2020, national credit systems received my request of dispute in their office at XXXX XXXX, per USPS tracking system, by certified number XXXX. To this very day they have ignored my request by not validating their claims of the money allegedly owed and the one month agreement they say I entered. I know that things are a bit slow becasue of the pandemic but they have passed the extra time to reply to me. Silence means they do not have adequate evidence to support their reporting and collection. Despite them not validating their claims, they continue to report the account to the credit reporting agencies amid collection and reporting laws.
Product: Vehicle loan or lease

On XXXX report there is a auto loan from WESTLAKE FINANCIAL SVC, It doesn't belong to me. It belong to a person with the same name as me.
Product: Mortgage

I submitted complaint # XXXX on XX/XX/2020 against Loancare LLC. I received the company 's response on XX/XX/2020. However, the company 's ( Loancare ) explanation is questionable. LoanCare says in the response letter that the charge to me of XXXX $ is for their payment to XXXX for recording the deed. But they did not provide receipt for that payment. Instead, they provided a copy of XXXX countys fee schedule. Nobody will use a price tag as proof of payment. If they did make the payment, they should provide the payment receipt. My title company charged me XXXX $ and paid to XXXX for deed recording ( Receipt # XXXX, see attachment ). XXXX county office will not change two times for deed recording for one re-finance. Please ask Loancare to provide receipt for their payment as deed recording fee for their XXXX $ charge. If they cant provide payment receipt, they should refund my money.
Product: Debt collection

1st, as I told you people earlier this month, I finally PAID OFF ALL CREDITORS!!!! Now these conniving derelicts at XXXX XXXX seem to be to stupid to obey federal laws and report this these derelicts harassed me forever with with some malignant law firm here in XXXX, NO excuse now, to continue being opprobrious, NONE of my credit reports reflect these derelicts have been paid off for there lousy generic made furniture at XXXX XXXX, junk pressed wood they purposely deceived and over-charged me for there junk product!!!
Product: Credit card or prepaid card

I was shocked when I reviewed my credit report and found 60 days late payment on the dates XX/XX/XXXX to XX/XX/XXXX. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Product: Debt collection

1. Bank of America need to my mortgage loan history back on my report. 
2. XXXX needs to remove the credit line they are reporting. 

As per the credit report, the last date Bank of America reported data to the credit report was XXXX XXXX. 

On XXXX XXXX, XXXX, Bank of America 's agent foreclosed on the property. 

From XXXX XXXX through XXXX XXXX, there has been no data reported on Loan XXXX. 

On XXXX XXXX, XXXX began to report adverse and incorrect information referencing loan XXXX. I have never executed any loan agreements after the foreclosure sale on XXXX XXXX, XXXX. Bank of America and XXXX are colluding and conspiring to collect a debt without any authority.
Product: Checking or savings account

I had fraud on my account a few weeks ago. I filed a dispute and was issued a new debit card. No problem. After that I was paid my yearly bonus from my job, via direct deposit, and my account was suddenly frozen. I have received several phone calls from citibanks fraud department, answered every question accurately and they have yet to unfreeze my account. This is causing me to not be able to pay my bills or access any of my funds as all of my paychecks/direct deposits go into this account. I have been a good customer since XXXX. I have opened a case with citibanks executive response unit and my citi reference number is XXXX. My account number ends in XXXX. I live XXXX hours from the closest branch also, very difficult for me to get to an actual branch.
Product: Mortgage

I made every one of my mortgage pays for the year of XXXX, I have never missed a monthly payment in the 7.5 years of having my mortgage. I am current now also. Indicating my character as a customer. Every month of that year ( XXXX ) Specialized Loan Servicing, has taken my escrow payment for my taxes and home insurance of {$240.00}. They have admitted this, every time I have called, ( I can provide call info history upon request ) also their own site shows this, which a representative have admitted while looking with my at my on-line account. 
I received from them a 'Escrow Account disclose statement ' that shows that I owe an extra {$510.00}. The reason it shows this is because all of my escrow payments that they took ( 12 ) are not included in the 'payment to escrow ' column on page 2 of the report. ( I will enclose a copy of ), only 10 of the payments are. Instead of going from XXXX of XXXX to XXXX of XXXX, they erroneously start at XXXX of XXXX and then go to XXXX of XXXX with in estimated pay! Its very simple, I paid in, according to their own records {$2800.00} for the year, they paid out, under 'What We Paid Out ' column {$2800.00}. I paid more in then they paid out, but they tell me I am {$510.00}!!! 
I have called XXXX 4 times, been on phone for at least 5 hours, talked with the Escrow dept, many other reps, hung up on, had this escalated, told every single time that I was correct, or they saw the error, but they will not correct it, according to them they NEVER note the account, I ask them to read notes each time I called back, and they say the notes are not there.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been turned down for several job opportunities due to incorrect public records and credit score reporting. Dates include XX/XX/XXXX, XX/XX/XXXX. These reports were out of pocket cost and were requested by and First Advantage.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person, I am a living human being, I have rights under 15USC 1681.Equifax is XXXX by 15USC 1681and they have violated my rights numerous times! I demand that the accounts listed below be removed because according to 15USC 1681 : I have the right to privacy and did not give Equifax written permission to furnish these accounts. Also accordind to 15USC 1666a ( 2 ) of this title and such amount may not be reported as delinquent to any third party until the creditor has met the required of section 1666 of this chapter. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm XXXX XXXX, and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED or DELETED. The XXXX credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
XXXX XXXX XXXX ( Original Creditor : XXXX XXXX CO XXXX ) XXXX* Balance : {$690.00} XXXX XXXX Balance : {$380.00}
Product: Credit reporting or other personal consumer reports

I asked Equifax to report my correct address and they were unable to do so. 
And because of their inability to update my address, it is hindering my ability to obtain a loan.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXXXXXX Balanced {$0.00} XXXX XXXX XXXX Balanced {$0.00}
Product: Checking or savings account

They are merging debit transactions into ach and charging nsf fees as if a check was processed. No checks were written, no bearer documents processed. All fees were charged against automatic clearing house transactions or debit transactions. The fees are therfore illegally placed under laws describing and allowing said fees against checks. Furthermore none of the fees are the result of any real world loss or payment by the bank such as covering said transactions. Fees total {$140.00} for 5 alleged attempts.
Product: Debt collection

Someone called my mother claiming that we owed XXXX for a medical bill and said that they needed to collect {$310.00} over the phone now. My mother said that she never received a bill and the caller said that they already sent a bill and now its time to collect. We asked if they were willing to send a bill via mail but they said they would just try calling us back again. I called the number back and spoke with multiple people claiming to be from Capio Partners in XXXX, TX. They refused to speak with me without me telling them my social security number.
Product: Credit reporting, credit repair services, or other personal consumer reports

equifax XXXX and XXXX are fraudulently collecting account via XXXX XXXX and XXXX XXXX  that belongs to XXXX
Product: Credit card or prepaid card

At XXXX XXXX on XX/XX/2020, I received a series of text messages from Suntrust fraud alert advising me of multiple possible fraudulent transactions on my credit card, and requesting that I respond with Y or N to block the transactions. I responded with N immediately and called Customer Service, confirming that none of the charges were mine and requested for my card to be blocked from further purchases, and a new one sent out. Even though they had told me my card was cancelled, another transaction went through on XX/XX/2020 and I called again to inquire, this time I was told the charges will be dropped soon. I called again a week later and was told the same, to wait a few days for the charge to be removed, but the charge is still there. Yesterday I called again and was told there isnt even a case open for the charge that went through on XX/XX/2020. How is it that my card was cancelled on XXXX yet at least 2 transactions were approved after I confirmed that the card was being used without my permission, and now nearly one month later with my billing statement coming up, one of the charges is still on my account?! I also bank with XXXX XXXX XXXX and this would never have happened.
Product: Credit card or prepaid card

On XX/XX/XXXX I applied for a Amazon card through Chase bank. I recieved a call from letter from chase letting me know I had a freeze on my account and had to remove it before I could have my credit checked. My credit was unfrozen checked and a few days later Chase called me and verified the account and approved me over the phone for a XXXX signature card and sent me the email while we were on the phone together. I was suppose to recieve a XXXX credit to my Amazon account and be able to add the card to my amazon account to begain shopping. None of the links in the email worked so I had to call customer service and get her to take a look at things and she rushed the card out to me one day mail so I could make an order for XXXX. I made my order and all was well except 2 days letter if that the order was declined and my account was closed and still I have no idea why. To add insult to injury my credit score was pulled several times by chase and after holding hours at a time to talk to someone about what happened the last representative said they have no idea why it was closed and had no information they could give me. Today I recieved a letter saying they were so sorry about what happened with my XXXX Amazon card and it had been issued to my amazon account and there is nothing there either
Product: Debt collection

On XX/XX/2021 I.C SYSTEM, INC Debt Collector Company that Reported on my Credit claiming that I owe them {$360.00}. They have never given me any service or my Creditor and I did not give them permission to report on my Credit Report. I disputed it Through XXXX on XX/XX/2021, on XX/XX/2021 they said the account has been verified as accurate. I.C SYSTEM, INC ( debt collector ) is not apart of XXXX XXXX XXXX XXXX ( creditor ), just because you receives an assignment or transfer of a alleged debt does not make them a Creditor according under 15 USC 1692a. When the Debt is Being Disputed under 15 USC 1692g ( 4 ), verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector. XXXX did not show the Verification and I.C. SYSTEM, INC has not mailed the Verification. It's said that the Creditor Bureau 's doesn't follow or know the FEDERAL Debt Collection Practice Act 15 USC 1692
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX  sent me an email that it looked like my personal data had been compromised. I reviewed everything and there was several unknown inquiries and accounts that I am reporting are definitely not mine. Please remove these items from my report. 

XXXX  XXXX XXXX XXXX XXXX {$230.00} XXXX XXXX XXXX XXXX XXXX {$6300.00} XXXX  XXXX XXXX  XXXX  XXXX {$600.00} DEPT OF ED/XXXX   XXXX {$69000.00} XXXX XXXX XXXX {$300.00} XXXX  XXXX {$0.00} XXXX  XXXX {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi.I XX/XX/2018 I submitted paperwork, to Experian, from the state 's response of a bankruptcy that was reporting on my credit report on Experian. Experian responded with the information was reported as accurate. I called Experian on XX/XX/2018. The rep I spoke with said " We get our public information from a outside resource ". Under the fair credit act, there is no mention of proper reporting of a bankruptcy. Please investigate this and have removed from our report on Experian. Thanks!
Product: Money transfer, virtual currency, or money service

I am a XXXX. A XXXX  prepaid for XXXX XXXX. She decided not to proceed with the XXXX treatment- so I gave her a check for the full refund. She deposited the check into her Chase Bank account. After processing the check through my account, Chase stated the check was fraudulent and put the funds into suspension. Chawe also closed the patients account and kicked her out of the bank. 

I can not retrieve the funds nor can the patient be given the funds according to Chase Bank.. Chase requested I go into a branch with the patient - which I did. I gave Chase bank several IDs + my tax returns + multiple other documents demonstrating my ID and ownership of the XXXX XXXX. I also emailed these documents to Chase. 

Chase Fraud department said they did not receive these documents even though i have email confirmation. Chase Fraud said I can not mail, fax, or email any documents directly to them. 

Of all parties involved, Chase seems to be the entity committing Fraud - keeping the amount I paid the patient iindefinitely ub suspension unless I retain an attorney.. 

My bank has also connected with Chase on multiple occasions to confirm the check and my identity- this is ridiculous! watch out for Chase Bank.