23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

XX/XX/XXXX XXXX XXXX 'd {$1000.00} 2 times, totaling {$2000.00} from my Chase checking account to a scammer who hacked my emails. I have tried to handle this with Chase since that day, including filing a police report at their request and providing all of the necessary information and they have not helped in any way. I have spoken to over XXXX people and have called at least once a week since XXXX and have not received ANY help from Chase. I have been mistreated, misguided and treated horribly. A rep even made me cry over the phone, and they have done nothing to handle this situation. 
I am a long time customer with multiple accounts and they have done everything to help the scammer and nothing to help me. 
This case has been at the XXXX office level and still, no acknowledgment of this situation, no returned phone calls, no correspondence and no help. 
I need assistance and guidance with how to get my money back, as I still need to pay the correct person. I am desperate for help. I am a young widow with XXXX kids and need this money back. Thank you in advance.
Product: Credit reporting or other personal consumer reports

This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX Balance : {$55.00} XXXX XXXX XXXX XXXX Balance : {$620.00} XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year>
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and XXXX are consumer reporting agencies and I am the XXXX. 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 XXXX 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. '' LVNV Funding LLC is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' LVNV Funding LLC the financial institution and the XXXX reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, LVNV Funding LLC whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' LVNV Funding LLC Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( 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 U.S. Code 1681e states " Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and XXXX are not maintaining reasonable procedures. Also 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: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/21 and XX/XX/21 I sent certified letters to Transworld asking for validation of the allege account they claim I owe. Today is XX/XX/21 and I have yet to get any documents I requested or even a response. But I notice that Transworld is still reporting the allege account to the credit bureaus. 
How can they continue to ignore my request and keep reporting this not validated account. They are breaking the law of the FCRA.
Product: Credit reporting or other personal consumer reports

My address is XXXX XXXX XXXX XXXX ny XXXX my old addresses still appear on my report and was asked to be deleted. I provided proof of my address already
Product: Credit card or prepaid card

I have an American Express Credit Card which I am trying to downgrade. I have contacted the company online and also called them but they always say there is error in Amex system therefore they cant downgrade my card. I called again and even chatted online with Amex but I get the same response I am so tired of this. Please help.
Product: Payday loan, title loan, personal loan, or advance loan

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 Section 602 states that I have the right to privacy 15 USC 1681 Section 601 A section 2 it also states a consumer reporting agency can not furnish account without my written instructions. Under 15USCS 1666B a creditor may not treat a payment on credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit card or prepaid card

I have purchased multiple gift cards [ {$200.00}, {$75.00} ] for Google Play & was given a google play gift card [ XXXX ]. I paid cash for the gift cards and the card I was given was purchased on my friends bank card. Google prompts me to upload an image of the gift card, receipt of purchase, and a proof of residence in which I immediately do. We are going on 8 days and Google has tied up my money and not allowed me to use my gift card purchases. I am getting a Bureaucratic runaround and no evident action is being taken. I am continously being told Google can't provide any additional support in the matter. Please assist.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report is showing violations. The listed rights below show the violations that were made against me. The first company that violated me was XXXX Bank and the XXXX company that violated my rights was credit XXXX XXXX  aka XXXX XXXX, the following laws were violated by both companies : 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 credit account XXXX XXXXXXXX and XXXX XXXX XXXX 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 XXXX 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: Bank account or service

As a XXXX account holder at US Bank, I would like to file a complaint with/against US Bank. US Bank cleared a check where the " pay to the order of '' was blank ; the written dollar amount was blank ; the signature line contained a line with bumps XXXX no representation of the account signature card ) and no endorsement on the back of the check. The date and numerical dollar amount were the only items filled out ( redacted copy of check attached XXXX Account holder checked bank statement utilizing US Bank mobile app and realized that balance on account was suspicious. The US Bank website revealed that an out of sequence check had been presented. Further review of the checkbook identified that the check in question and its duplicate had XXXX been pulled from the check book 6 checks beyond the last written check. No other duplicates had been removed. The US Bank fraud department was immediately contacted, where a hold was placed upon the account. A fraudulent activity customer statement was started over the phone. The representative told account holder to : visit a branch within the next few days ( this phone interaction occurred on a weekend ) to complete/sign the fraudulent activity customer statement ; to contact the security department at work XXXX where account holder believes the check had been stolen from a zippered bag within an employee break room ) ; to file a statement with the police station nearest to work ; and, to have copies of all said documents sent to the US Bank XXXX Department. Approximately XXXX weeks after all paperwork had been submitted, account holder received a letter XXXX copy attached ) denying fraud/reimbursement due to " Customer Negligence '' for not providing adequate security for the account number. 
Account holder visited the US Bank XXXX XXXX and spoke with a manager in an attempt to determine how the check was presented to US Bank for payment in order to update the police report and allow the police to continue any investigation. This manager reached out to one of his fellow associates in the fraud department to request presenting bank information for the check in question. Account holder was informed that the requested information should be received via a letter to her home in XXXX weeks. The branch manager also indicated that due to all of the electronic methods available for presenting a check that when US Bank is presented with a check it has to be paid, without concern for the integrity/completeness of the check. After XXXX weeks, account holder contacted this manager to follow up because no information had been received. This manager called associate back and was informed that the fraud department was unable ( or unwilling ) to provide account holder with this information.
Product: Student loan

I have a consolidation loan with PHEAA who conducts its student loan servicing operations for federally-owned loans as FedLoan Servicing. I am a federal employee and have been paying my student loans under the XXXX XXXX XXXX XXXX program for almost 10 years now. PHEAA does n't show on my loan status most of my payments toward XXXX. I should have more credited payments than they are showing.
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. 

Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX  XXXX Bankruptcy Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and 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 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.
Product: Mortgage

I am already seeking law advice from a firm, however, PHL has crossed incompetence and floated itself past unprofessionalism and into criminality. Since XXXX we have been told that ALL information related to the assumption of our loan by a buyer ( new divorcee ) was received and collected. Since XXXX we have been told that we were 1-2 days from the closing document, outside loan companies have wired closing money 3x times thinking our closing day was here. Only for PHL to not return calls or say anything for a week. There is not a single employee who can be trusted for their word or anything they say. I have already filed two complaints through XXXX against PHL. Last week I asked for a contact back on what is going on. The head of the XXXX XXXX, XXXX XXXX, conveniently called within an hour of XXXX sending them my complaint. Unfortunately she has not responded nor did she call me back when she said she would. I find myself without the ability to discuss the nearly $ 800k loan I own with Planet Home. I want XXXX to call me back and explain to me where my lawyer can send his letters. I also need to know if XXXX qualifies as a " party '' for PHL or if the complaints to the Consumer Financial Protection Bureau should name PHL in general. The criminal elements include discrimination based on gender ( we believe they would not have turned this process into what it is if the wife was buying my house ) and the damages they know they are causing. I have a XXXX XXXX XXXX child since this process began to play out, currently relocated from XXXX XXXX XXXX blew up the original house purchase ( forfeited $ XXXX in earnest money ) in XXXX  due to this, most likely going to lose any future purchases based on this issue. Homeless with a XXXX XXXX because of PHL.
Product: Credit card or prepaid card

On XX/XX/2022 I scheduled my regular monthly payment with Discover, my due is the XXXX but I pay early. I have been a card user nearly a year and Ive never missed a payment or have any issues with my account. After being notified that my banking account had been compromised, I gave Discover a call immediately ( XX/XX/2022 ) to submit a new payment and cancel the the previous transaction. I was told that the payment had been successful and that my balance was {$0.00}, and there was no need to submit additional payments. On ( XX/XX/2022 ) after closing out my bank account I noticed that Discover returned my payment. I called them immediately and was told I can just submit another payment and that it wouldnt adversely affect my account. During the call with the Discover, I disclosed that I was a XXXX veteran and that this was a XXXX situation. The representative guaranteed me that my account was in good standing and I shouldnt worry. Discover accepted and posted my payment ( XX/XX/2022 ). On XX/XX/2022 I received a bot call from what I assumed was a scam caller, the bot said my Discover account had been suspended and to check my email and sign a document for income verification. I immediately called Discover and was transferred to the verification department. The representatives were extremely unprofessional and rude and refused to explain to me why my account had been subjected to this request. After being transferred back and forth I was finally able to speak with someone who informed me that the request came from an outside party and that Discover legally had to verify my income. They wouldnt disclose who this other party was but stated that I could submit 3 bank statements and a notarized letter and submit it to them, since I dont have taxable income. I truly believe that Discover targeted me and discriminated against me because of my XXXX. Ive never experienced any problems with Discover until I disclosed my health/ income information with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ATTEMPTED TO FILE A DISPUTE WITH XXXX IN REGARDS TO AN ACCOUNT THAT THEY HAVE LISTED ON MY CREDIT FILE. THE ACCOUNT IS LISTED AS " XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX 
THIS ACCOUNT IS TOO OLD TO BE LISTED ON MY CREDIT FILE AND XXXX REFUSE TO REMOVE IT. WHEN IT ATTEMPTED TO HAVE IT REMOVED, XXXX STATED THAT THEY WERE UNABLE TO INVESTIGATE THIS DISPUTE. TECHNICALLY IT IS NOT A DISPUTE, IT IS A REQUEST FOR THEM TO REMOVE THIS INFORMATION PER THE FCRA.
Product: Debt collection

I am XXXX XXXX, and Im submitting this complaint myself there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. There are inaccuracies that existed on my credit report. The bureaus display the Date of the Last Activity differently : XXXX says XX/XX/XXXX, XXXX XX/XX/XXXX, and XXXX XX/XX/XXXX. Also, this charge-off account shows a {$580.00} balance. The balance should not be reported after it was a charge-off. This is clearly a violation according to FCRA XXXX on reporting inaccurate on my credit report. Please delete this account immediately because you are reporting inaccurately.
Product: Debt collection

I had a credit card with XXXX card in the amount of {$1300.00} that went to collections. I paid well over half of the amount with a debt collector, XXXX XXXX XXXX. It has changed hands to Forster Garbus and Garbus. Forster Garbus and Garbus is threatening me telling me that I owe them the original {$1300.00} when in fact I know that I made many payments to the previous debt collector- XXXX XXXX XXXX XXXX I have made many attempts at contacting Forster Garbus and Garbus after speaking with them originally in the first week of XX/XX/XXXX. The gentleman told me he would run the record from XXXX XXXX  XXXX to see that I paid half of this debt off and would contact me, however never contacted me again. They have threatened me that if I do not contact them and start paying by XX/XX/XXXX, I would owe the entire amount. Again, I can not get into contact with anyone. They have reported this as delinquent, which is not true. This is unjust and unfair-I would like this removed. 
Thank you for any assistance.
Product: Vehicle loan or lease

I purchase my car on XX/XX/2014 and was paying thought my bank the amount of {$390.00} monthly for the past 67 month never missed any payment then when the pandemic hit our economy I lost my job I called some creditor such as my wife car payment and my house mortgage to get an extension or 3 month till I get back to work I call Nissan for my van they claim to give me 2 month I thought it was 3 month and that was the beginning or XXXX the I got this phone call about to collect dept was told that I have accumulated {$580.00} of late charge that I never know about till this moment plus my current monthly payment that's {$970.00} and 2 month additional to my loan added for the missing 2 month payment i was shock I called Nissan I mentioned the I never received statement shows me the due date. otherwise I will schedule for the write date that will not make any different to me I mention that I was not ware the due date on the XXXX I thought since I bought the car its on the XXXX that's why always comes out on that day.I have never receive call or notice that I was paying late. and now with the last of my job its too hard financially for me barley make it. I am hoping to get this issue resolveIi will appropriated
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, LCS Financial contacted our firm. Subsequently, following my request for a copy of our agreement, they performed an unauthorized hard credit inquiry without consent and without providing them with my social security number.
Product: Credit reporting, credit repair services, or other personal consumer reports

DEPTOF EDXXXX Third Party Affiliations In Pursuant of 15 U.S. Code 1692 ( a ) Congress finds there is abundant evidence of abusive, deceptive, and unfair debt collection practices by many debt collectors. Abusive debt collection practices contribute to the number of personal bankruptcies, to marital instability, to the loss of jobs, and to invasion one 's privacy.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's and XXXX handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle and XXXX numerous times and reporting discrepancies, my financial institution and Zelle and XXXX failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle and XXXX has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second time writing you to update my personal information. 

15 USC 1681 ( a ) ( 4 ) There is a need to ensure thatconsumerreporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for theconsumers right to privacy I demand the deletion of all personally identifiable information from my consumer credit report with the exception of : My Full Legal Name : First & Last Name XXXX XXXX My Address : Address, City, State Zip XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with the one above. 

My only Phone number is ( xxx ) xxx-xxxx Delete any and all other phone numbers. 

I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. 

Delete all information in the employer section. 



My true and only name is XXXX XXXX Remove any other reported names immediately!! 
My true and only address isXXXX  XXXX XXXX XXXXXXXX XXXX XXXXXXXXRemove any other reported address immediately!! 
My true and only Date of birth is XXXX add the full date and remove any other reported dates immediately!! 
My true and only SSN isXXXX Remove any other numbers you may have on file!! 

Immediately delete this personal data below and delete any and all accounts attached to this inaccurate data! 

These items are reported inaccurately : NAMES : XXXX XXXX XXXX XXXX XXXX XXXX Prior Residency : 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 XXXXXXXX Current Residency XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date of Birth XXXXXXXX XXXX XXXXXXXX CURRENT EMPLOYMENT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Current Position XXXX XXXX Prior Position XXXX XXXX SSN XXXX XXXX