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

It is against the law to report transactions or experiences between the consumer and the person making the report. The term " person '' is Upstart the corporation and the " consumer '' is me. You have violated my rights according to 15 U.S. Code 6802 and 15 U.S. Code 1681a ( 2 ). The illegal late payments that you are reporting concerning me are harming me personally, emotionally, and financially, and causing me damage. Please see attached, document with proof of inaccurate information on my consumer report. I request that you promptly delete all late payments and inaccurate accounts and send me an updated copy of my credit report within 30 days of your request that you fully comply with the law in my request. Should you fail to make the requested deletions, I request that you provide me with your permissible purpose for reporting each account on file in writing and copies of the written instructions of the consumer ( me ). I request that you provide me with the name and address of the person ( s ) that you contacted to allegedly verify the information that I have rightfully disputed. Per the FCRA, as a Federally Protected Consumer, I am now opting out of ANY and ALL authorization I the consumer may have given you written, unwritten, verbal, and non-verbal per 15 USC 6802.
Product: Credit reporting or other personal consumer reports

My legal name on my birth certificate and social security card is XXXX XXXX XXXX XXXX On the accounts listed below there are inaccuracies. 
In accordance with the Fair Reporting act. The list of accounts below have 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 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 140702XXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 602 A. Selection 2 : It also states a consumer reporting agency can not furnish an account without my written instruction. 

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 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 any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

These inaccuracies are stopping me from attaining new auto loans, credit cards, and funding for me and my family to provide a better life here in America.
Product: Debt collection

I have already disputed this with XXXX and was sent a certified letter that collection efforts would be ceased on this account. I want collection efforts to cease and this account with Southwest Credit be closed. Per the response from my previous dispute : " Our office is in receipt of the complaint filed by Mr. XXXX XXXX. We greatly appreciate this opportunity to respond. Contrary to Mr. XXXX concerns, we have no record of receiving any request for validation from him. Notwithstanding, we have closed the account with our office in accordance with Mr. XXXX request to cease collections. Furthermore, the Credit Reporting Agencies ( CRAs ) are being instructed to delete the account. Please note that we can not control the speed in which the CRA acts upon our request and we recommend giving them at least thirty ( 30 ) days to update their records. We trust this resolves your concerns. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed multiple disputes letter to Equifax, XXXX, XXXX, informing them that there is inaccurate information reporting on my credit report. All 3 bureaus refuse to remove the items I disputed. and send the dispute results back to me. It has been 6 months. I started sending letters XX/XX/2021 until now XX/XX/2021.
Product: Money transfer, virtual currency, or money service

Criminal Fraudulent scam wire for {$18000.00} got transferred from my Discover Cashback Debit Checking Account on XX/XX/2024. I contacted the bank in time to inform of the compromise and requested for a SWIFT recall. I have been calling everyday for 1 week and they do not have any updates. They are uncertain where my funds went. I have also reported the incident to the FBI IC3 and FTC.
Product: Vehicle loan or lease

I was in auto accident late XX/XX/2023 and my insurance company paid half the car off and soon as CNAC received that check they charged my account off and didnt give me options to pay the balance and now its affecting me receiving another car because its a charge off on my credit report this is illegal because they charged the account off days after they received my check and I had no missing payments up to that point because you have to pay every XXXX weeks
Product: Credit card

I used my Macy 's card XX/XX/XXXX. I never received any electronic or paper statements to let me know I had a bill. The first time I was notified of any amount due was XX/XX/XXXX. When i realized I immediately paid the bill and called them, they did waive one of the late fees also. I did not realize what an effect this would have on called and I called them to complain and they did waive one of the late fees, I also asked them to remove the negative report on my credit but they refused to do so. I feel this is very unfair, they agreed that they had n't notified me of any payments due, because when I opted our of e pay back XX/XX/XXXX I had not told them how I wanted to be notified of a bill. I told them that they should n't not send anything and why did I need to opt in to receive a bill. Please help me resolve this.
Product: Checking or savings account

XXXXThis complaint is due to the fact there has been fraud as well as other crimes including my Constitutional Rights ( 1st & 6th ) just to start with. Documents provided are true and accurate to the best of my ability and will show multiple crimes that were committed in my Mortgage Fraud Case and seems to be supported by all involved. Court Case XXXX XXXX XXXX XXXX XXXX XXXXXXXX not only ignored the laws provided only seem to manipulate them to try to steal my property with the help of all involved, including XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, as well as others as my documents will show. I believe that I am a victim of a on going crime regarding the foreclosure actions that was on property that I own, and believe there was substantial " SECURITIES FRAUD '' fraud as well as other crimes. I have discovered that there was what appears to be a " COUNTERFEIT " ( copy ) of the Mortgage Note presented as proof of claim by a certain group of people, including but not limited to agents of the Mortgage Company. I believe there is a conspiracy to take my property unlawfully through foreclosure using ( COUNTERFEIT SECURITIES ) as evidence and believe there multiple individuals in this crime including those above .I had made demands that the individuals involved provide proof of their claim through the presentation for my inspection of the " ORIGINAL '' documents signed at closing, they refused to do so and instead have only made a " COPY '' of the documents allegedly signed at closing for my inspection, these copies are in fact ( COUNTERFEIT SECURITIES ) as described under 18 U.S.C. -474 and multiple others have been or are currently in possession of multiple copies of said ( COUNTERFEIT SECURITIES ) .I believe the " ORIGINAL " wet ink signature documents ( SECURITIES ) have been bundled and sold for profit and are not able to be produced as required by law and this is fraud that was committed to steal my property through the counterfeiting of ( SECURITIES ) as provided documents will show and this does not meet the requirements under 18 U.S.C.-474 as a ( COPY ) and therefore a ( COUNTERFEIT SECURITIE ) presented as evidence to attempt to defraud me .I also believe that this activity accrued through communications across state lines and falls under " RICO '' statute violations as a result. Accompanying this letter and attachments is much more comprehensive information with substantial legal citations explaining my concerns which seems to not be a isolated situation and I am not by any means the only victim of this kind of fraud. I ask that anyone show me where I was lent anything of value and confirm Documents provided are true and accurate. Thank You XXXX XXXX
Product: Vehicle loan or lease

Got a call from XXXX. They said that they were from Chase Auto Loans and they knew my name. They said I should call them back about something with the dealership. I called back and they asked for my reference number. I pulled out my documents and I didn't see one. They said then I could just give them my full social security number. I didn't give it to them, but then I hung up and called chase. They had no record of anyone calling me. The scammers had almost the exact same answering service as chase, except it did not ask if I wanted the call in XXXX and it also had a ringtone. It also didnt ask me for my account number or anything. The scammer 's audio was horrible and she was ferociously typing on the other end. 

Even when I called chase from the number on their website it seemed sketchy though and I don't know what to trust because they were also asking for my full name, phone number, full social, address, and when i tried to get online to create a chase account to pay my bill they said my cell phone number didn't work for a XXXX, even though I was calling them on that number. 

It was weird because they knew my name and that I got an auto loan with chase a little more than 1 week ago.
Product: Credit reporting, credit repair services, or other personal consumer reports

AQUA FINANCE, INC. XXXX XXXX XXXX of {$4300.00} was paid in full but the report still shows I owe them {$350.00} which is incorrect.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am very distressed that you have STILL included the below information in my credit profile which is creating damaging effects on my good credit standing. No doubt the inclusion of this inaccurate information is a mistake on your part. Under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Experian is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. The account below should be corrected : XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXXXXXX XXXX XXXXXXXX XXXXXXXX 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: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing this letter to dispute the accuracy of the following accounts that appear on my credit report. I believe these accounts are in violation of the following laws : FCRA, FDCPA, FACTACT, TILA, RESPA, ECOA, FCBA. 

The following accounts are inaccurately reported on my credit report : XXXX XXXX Late Payment Account XXXX XXXXXXXX Charge Off Account XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXXXXXX Charge Off Account XXXXXXXX XXXX XXXX Collection Account XXXX XXXXXXXX XXXX XXXX  XXXX Collection Account XXXX XXXXXXXX XXXX XXXX  XXXX Collection Account XXXX XXXX XXXXXXXX XXXX XXXX XXXX Collection Account XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Collection Account XXXX XXXX XXXX XXXX XXXX Collection Account XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account XXXXXXXX XXXX XXXXXXXX Late Payment Account XXXX XXXX XXXX XXXX XXXX XXXXXXXX Collection Account XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Collection Account I request that you investigate these accounts and remove them from my credit report if they are found to be inaccurate. I have attached supporting documentation for your reference. 

These inaccurate accounts have caused me significant emotional distress and financial hardship. I urge you to take swift action to rectify this situation and remove these accounts from my credit report. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/2021 I called this number thinking it was XXXX. A man answered advising his name was XXXX and he said he would be able to help me with my account. I got a message when I logged into XXXX advising that my account was locked due to suspicious activity and that I needed to call this number XXXX. He said I needed to verify my account and they way I would be able to do that was by transferring money into my account. I wire transferred money into what I thought was my coinbase account and it was actually someone elses. There is activity of a wire transfer for {$18000.00} to a domestic account called XXXX XXXX XXXX. I called the wire transfer people as soon as I realized it was a scam to try and cancel it and I also called XXXX XXXX XXXX  but they said there was nothing they could do. I have attached everything to this as well for any numbers you might be able to use.
Product: Credit card or prepaid card

Last month, I called in to request the annual fee be waived on this card because my level of use of it didn't justify the fee. The fee had been charged in the current billing cycle.

The representative told me that wasn't available but I could perform a product change to a no-fee card ( XXXX instead of XXXX ) to get the annual fee refunded. This is a standard way of refunding an annual fee at all credit card issuers including this bank. Fast forward to today where I called in to ask why the annual fee refund hadn't been refunded. Unfortunately, a poorly trained representative tried to tell me that this wasn't a policy and an option as the fee was being charged because of benefits I receive with the card. It didn't sway her that I was no longer getting these benefits because I had a product change to a no fee card instead of a cancellation despite them being equivalent in receiving benefits you pay for, that the fee is always charged in advance so the fee was being charged for future benefits I was never going to receive, that this is standard practice of all credit issuers including Capital One, especially within 30 days and that is what I was told when I performed a product change and wouldn't have done it otherwise. I am fed up with this bank as it has gone downhill due to greed where I can't even talk to an agent online and now this deliberate deception. This agent engaged in completely insane circular logic that is probably a pattern now to frustrate consumers and get them to hang up and give up.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was part of the Equifax leak.
Product: Checking or savings account

On XX/XX/XXXX I was charged a {$5.00} excess activity fee from Key Bank for transferring funds from my savings account to my checking account. This resulted in an overdraft fee being assessed. I was able to get the overdraft fee resolved, but prior to doing so I researched the reason for the original fee, and the verbiage on their website detailed it as being in compliance with Regulation D. My transfers did not exceed 6 in one month and seemed to be more due to the dollar amount of the two transfers out of the account to my checking, totaling {$1100.00}. It was my understanding that Regulation D was lifted in XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I am filling a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, of disputes. Futhermor, Equfax 's actions may also cntracene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C 5536 ( a ) ( 1 ) ( A ) - ( B ) as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for simular violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigations.
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 XXXX XXXX, has violated my rights. 

And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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.C. 1681B ( 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 refinance my home on XXXX XXXX, 2016. Loan was with XXXX. XXXX transferred my loan to Freedom Mortgage on XXXX XXXX, 2016 even though they had received a payoff demand letter from my lender and I had called them to inform them that I was refinancing and it would close on or about XXXX XXXX, 2016. Meanwhile, there was also an insurance claim check for water damages to my home for {$7000.00}. XXXX transferred my loan, the insurance check and the payoff check all over to Freedom Mortgage when I had refinanced with XXXX Bank. XXXX had received the payoff demand letter and I had called them. I have been fighting with Freedom Mortgage since XXXX XXXX, 2016 to get this corrected. Now Freedom Mortgage has kept my {$7000.00} insurance claim money and charged me {$6000.00} in interest for a loan they never should of had to start with. I have been trying to resolve this now for almost 4 months going on 5 months. All I get is the run around and I am frustrated beyond words.
Product: Money transfer, virtual currency, or money service

About a week ago I received a random text message from this girl named XXXX. I told her wrong number & thought nothing of it. Today ( XX/XX/22 ) I went on my mobile bank app to transfer money through XXXX to a coworker. I selected the coworker 's name and completed the transaction to transfer money. At the end of the transaction, it said that the money was sent to XXXX. I did not select her name! I also did not save her as a contact in my phone. This is a scam!! The bank ( Chase ) did nothing to help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following credit inquiries listed on my XXXX XXXX, XXXX and Experian credit report are all fraudulent credit inquiries and not my credit inquiries : XXXX XXXX XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, MI XXXX XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX  XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XXXX XXXX, XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX  XXXX, XX/XX/XXXX, and XXXX XXXX XXXX  XXXX, XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Debt collection

I received a voicemail on XX/XX/2020 at XXXX XXXX ( I was at work so, I stepped outside at XXXX XXXX  on XX/XX/2020 XXXX. I spoke with XXXX XXXX at Nobilis Credit Management LLC. I set up and paid the first installment of a 10 month payment plan. Once I got home after XXXX XXXX, my brother handed me a written message that XXXX XXXX had called and stated that he was attempting to get ahold of me in regards to 2 clients that had claims against. When I spoke to XXXX XXXX, he had mentioned only 1 client and that's the one I made arrangements to pay. The claim number I was given by XXXX and the one my brother had written down were the same, but the phone numbers were different. The phone number I was given is XXXX ext XXXX, the number my brother was given XXXX ext XXXX. There never has been any authorization for anybody to speak about debt but me and I do not know how XXXX XXXX had gotten my brother 's phone number. I am very upset with the way this was handled with XXXX XXXX and I am thinking of getting an attorney involved, that was a full violation to my privacy.