23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Good evening, I have made several attempts to dispute a case but the members I have spoken to on the phone have been lackluster as evidence by repeating back to me that I must submit a letter and dispute the case to chase. 

However, I have disputed and called chase card services on XX/XX/XXXX, XXXX, and the XXXX. I have been told two different case numbers and I have two different disputes ( one open and one closed ) for the same merchant, same price but with a different account number. I only have one account with Chase card services but the woman on the phone was unable to clarify why the dispute appears that way. Additionally, I have uploaded the same documents to include a letter disagreeing with the dispute at least 3 times. I have also faxed it over to the dispute team by using my local chase bank. 

I have objective information that a merchant fraudulently charged my card by inflating charges. I have stated to chase there are charges I am liable for up to XXXX dollars. However, the inflated and fraudulent charges include up to XXXX dollars in a report that shows no damage, necessity or receipt from the merchant. 

The case numbers provided to me over the phone include the following Case # XXXX Case # XXXX I have also contacted the merchant with no response from them. The original dispute closed secondary to being a " significant amount of time since your purchase. '' However, a significant amount of time is not defined, and the purchase was made in XXXX of XXXX. I had immediately disputed the case and then uploaded supporting documentation in XXXX of XXXX when chase requested it. 

I have been a Chase card holder since I believe XXXX and have never had a charge this large be fraudulently placed onto my card. I would appreciate further guidance in the resolution of this case. 

I look forward to hearing from you.
Product: Credit reporting or other personal consumer reports

As per XXXX XXXX XXXX TransUnion and XXXX is criminally obligated. They are affably obligated for twofold the measure of the money charge as per 15 usc 1640. Furthermore, they are at risk for each fdcpa infringement as per usc 1692k. Im requesting they eliminate this supposed obligation from my shopper reports, transmit installments to me for infringement. A supposed obligation being outfitted on your credit report is an infringement of 15 usc 16922b. ( 2 ) it is likewise publicizing to certain installment. Which is illicit. Im requesting that you eliminate these Transactions from my report promptly as they are an infringement of my privileges as a governmentally protected purchaser under title 15 section 41. Concerning the records recorded underneath as a customer Im requesting a cancellation of these records. Cc Consumer Financial Protection Bureau. Cc Attorneys General Office. Cc XXXX XXXX XXXX. Cc State Senate. Cc Federal Deposit Insurance Corporation. Cc Comptroller of the Currency. Cc Federal Reserve System. Cc Credit and Insurance. Cc Federal Trade Commission. Cc State Regulatory Agency.
Product: Credit reporting or other personal consumer reports

Destiney Card has ran my credit reports without my consent i am really upset about this due to the fact i am trying to get a home and got denied due to their fradulent inquires. 

XXXX XXXX XXXX XXXX  XX/XX/year> XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX # XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX LA XXXX XXXX CA XXXX XXXX XXXX OF XXXX XXXX XXXX : {$17000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

How are you doing? Can you please help me? During this Covid-19 I  been reviewing my credit report, and I was shocked when I reviewed my credit report and found late payment on the dates below XX/XX/XXXX - XX/XX/XXXX for 30-60 days late. 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, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX
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  XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account XXXX Account Name : XXXX XXXX XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXXXXXX XXXX Account XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 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

My husband and I have totally depleted our financial resources and can no longer make our house payments. We are in our mid XXXX, I am retired, he needs to. We did some amateur research and decided to investigate possibility of " Deed in Lieu of Foreclosure ''. Our house payments have been going to Bank Of America so that was our first call on XXXX XXXX, 2017. We endured XXXX transfers to differing individuals, all of whom wanted to talk about re-finance options. Since we can not even afford utilities we can not stay in this house. We explained that to each person and each responded with " I can not help you with that. May I transfer you to ____ who can give you that info? '' The third person was more determined to sell us on refinance but finally got the message and said we needed to talk to our Investor about that as BOA is just the debt collector. She then told us she could not tell us who the investor is by phone, fax, email, but only by post mail. The total time spent on that phone call was 35mins. Ten days later, we received that information, by which time we had already missed 2nd mortgage payment. 
Yesterday ( XXXX ) when mail came we contacted XXXX XXXX Their immediate response to our story was they could not help us with that, and we needed to talk to bank. HELP! 
We patiently explained all that had transpired by phone and mail, and they finally agreed to Mail us the forms to make application for loan review. Will this process now continue to use up time until we have missed too many payments and foreclosure becomes automatic?
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 BK Of Amer has accessed my credit report from XXXX. I have never contacted or seek to get any kind of financial product from the company. I have never provided my personal information to any bank or other institution in order to get any financial product at the time nor did I authorize any current business I am dealing with to share my information with them. This was a clear unauthorize use of my credit hence a flagrant violation of my rights.
Product: Mortgage

Midland Mortgage bought my loan from XXXX XXXX XXXX  on XX/XX/2020. 

I was in the COVID-19 Deferral Program when my loan was bought. I owed {$8400.00} in deferred payments. 

On XX/XX/2020 Midland mortgage asked if I wanted to continue with the deferral program and I said yes. 

On XX/XX/2020, I was able to make all past mortgage payments and get myself caught up on my payments. 

On XX/XX/2020. I made my regular monthly payment. 

All payments were drafted from my account and credited to my mortgage. 

However, when I asked to be removed from the COVID-19 deferral program on XX/XX/2020 and XX/XX/2020, I was told that the process was in place and that I would be taken off the program. 

This was never done. In fact the opposite was done and they continued to extend my deferral program to future dates instead of removing me from the program. 

On XX/XX/2020. I requested that the process is completed again as well as a status letter be mailed to me and was told there everything was in process again and to check back in two more days. 

I have been trying to refinance my mortgage and take advantage of the lower interest rates and they are putting that process in jeopardy. I honestly feel that this is a breach of contract and they should be held accountable for their actions.
Product: Debt collection

I followed proper protocol to end my lease with XXXX XXXX Apartments XXXX XXXX XXXX, XXXX FL XXXX XX/XX/2017. I have email confirmation that I proved to have my final bill sent so that I could make plans to resolve it. To this date I have not received a breakdown of any amount owed. I have attempted to contact the leasing office for this information and have not received a response. I believe it was XX/XX/2018 I was contacted by a company called IQ Data demanding I pay them. I attempted to advise them I would like a break down of what was owed. IQ data advised they do not have an account number nor could they provide me of a breakdown for what they were saying I owed. The person was very rude and nasty to me. I asked to speak to a manger who was argumentative and rude. I sent the leasing office another email and have not received a response to it yet. I am asking for anything owed to be considered XXXX for the way I was unfairly treated or at the bare minimum to decrease the amount owed and send me a break of the total amount they say I owe and why. Thank you in advance for any assistance that you can provide with this very unpleasant matter. I have XXXX  the address for IQ Data and will be sending them a copy of my concerns along with a copy to the leasing office
Product: Credit reporting or other personal consumer reports

I have ben trying to log into my account with Experian for over a week, I called three different customer service numbers they have listed online and it's impossible to get a hold of someone to actually help me, an actual human person. The digital/robot voice who assists customers disconnects the call when asking for an agent. I try to reset my password through their online website but it's been impossible to do so being that Experian has an old phone number registered that I know longer have access too. I previously disputed this phone number to be removed from my credit report and changed it on my account to my new phone number but they have failed to update that number. It's frustrating dealing with Experian and even more insane that I have not gotten a response to the email I sent their customer service department asking to reset my password so I can re-gain access to my online account and review my credit report. Please help me CFPB, I would humbly appreciate it. I just want to obtain access to my reports and my experian account online. Thank you.
Product: Credit reporting, credit repair services, 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 Experian and XXXX to validate account ( A ). It is not permissible to fail to validate the reporting account 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 corrected : XXXX XXXX Balance Owed : {$0.00}
Product: Credit reporting or other personal consumer reports

On XXXX XXXX XXXX my credit score dropped from XXXX to XXXX with no explanation at all. I have no late payments or anything. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I've tried contacting Experian onlline, but since I live XXXX they block my access. I tried filling out their forms for dispute by mail, but they will not allow an overseas address. 

I've spent my life building a great credit profile, and it appears Experian arbitrarily and capriciously are trying to ruin my ability to reap the benefits of my responsible credit history. If a credit company is going to drastically change someone's score without any negative reporting, they need to contact the consumer to discuss the situation BEFORE trying to ruin their lives with a punitive credit action.
Product: Debt collection

I was asked to send over bankruptcy documents listing the Debt collector working on their behalf to collect the debt as a creditor. As of this date, they have the debt as outstanding. I have called the debt collector and I have yet to hear from them.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX/XXXX/XXXX i checked my credit report and noticed that an account that was DELETED on XXXX/XXXX/XXXX was re added to my report. I WAS NOT NOTIFIED THAT THE INFORMATION WAS GOING TO BE RE ADDED TO MY REPORT After per Experian " when an item is deleted it is removed from your credit report and taken steps so it does not reappear ''. That is not the case!!! this account needs to be removed from my credit report ASAP. I have attached the copy of the letter received from Experian confirming that the account was deleted. My true credit report is not being shown. The account is XXXX XXXX XXXX act # XXXX! Also the account XXXX XXXX XXXX is a fraudulent account that i have advised multiple times does not belong to me and was open fraudulently. i also advised multiple times that the name XXXX XXXX does NOT belong to me! I demand this account & name be removed ASAP or legal action will follow!
Product: Credit reporting or other personal consumer reports

I have not been able to receive an updated copy of my XXXX and Transunion credit report via XXXX, XXXX or XXXX XXXX because my XXXX XXXX was changed with out my request or authorization. I am extremely concerned because I am not able to retrieve an updated report to double check its accuracy and this is affecting my chance of receiving a home loan in the near future.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : 06 XXXX XXXX  XXXX Balance : {$180.00} XXXX XXXX XXXX : {$7500.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX  XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX  Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX  XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX  Account # 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: Debt collection

I took out a loan on a XXXXXXXX XXXX back in XXXX I contacted Titlemax and let them know I had lost my job and was unable to pay. I offered them the car in lieu of paying off the loan. Shortly thereafter a tow truck came by and took the car. I figured the issue was done and now almost 4 years later I am getting repeated calls from various numbers on my personal cell phone with an automated message to call Titlemax back or press 1. I have pressed 1 on one occasion and was transferred to a rep that started asking me all kinds of personal info, as if they had no idea who I was. They proceeded to tell me I owe an extreme amount of money and they told me that I still owe them regardless if the car was taken or not. I told them I would do my research and call them back, and proceeded to call local tow yards and police department. Various searches for the VIN and License plate show that the vehicle is nowhere to be found. So now I'm out my vehicle and Titlemax is demanding their money. It has been way too long and I'm pretty sure they screwed up somewhere and don't realize they have my vehicle. 

I would like them to double check their records and leave me alone, since they took my car and per their agreement them having the collateral ends the contract.
Product: Checking or savings account

Because of rules the CFPB enforced on Paypal, I am unable to refund someone a transactions because of " low funds ''. Paypal is forcing me to sign up for an account I don't want. I want to refund someone back their money, and paypal isn't allowing me to do so. I think they could easily refund the transaction based on the law, but they are not interested in being fair.
Product: Debt collection

SOUTHWEST CREDIT SYSTEMS FAILED TO PROVIDE A VALIDATION OF DEBT. THEY ARE REPORTING INACCURATE INFORMATION TO THE CREDIT BUREAUS ; XXXX, XXXX XXXX XXXX. THIS IS A COLLECTION ACCOUNT AND IS REPORTING AS OPEN. THIS IS A CLEAR VIOLATION OF 15 USC CODE 1681S-2. A COLLECTION ACCOUNT CAN NOT REPORT AS OPEN. THIS IS ALSO A VIOLATION OF 15 US CODE 1681B-CONGRESSIONAL FINDINGS AND PURPOSES.

b. THIS COLLECTION ACCOUNT IS REPORTING AS LATE/PAST DUE. THIS IS A CLEAR VIOLATION OF 15 USC CODE 1681S-2 INACCURATE REPORTING. A COLLECTION REPORT IS NOT THE ORIGINAL CREDITOR AND THEREFORE CAN NOT REPORT AS LATE OR PAST DUE. THIS IS ALSO A VIOLATION OF 15 US CODE 1681B-CONGRESSIONAL FINDINGS AND PURPOSES.
Product: Checking or savings account

I deposited an investment check into my account on XX/XX/2024 for XXXX . My check went on hold I saw that my funds would be available today XXXX XXXX. However on XXXX XXXX Chase Bank locked my debit card and also restricted my account so that I am not able to use my account as I need to. Plus I had already been using my account find deposit money into my account sent my self money to my other bank institution and used my card for gas a couple of times and out of no where they just lock my account due to what I am still unaware of and I was not giving any updates or what the issue is. I was told Chase was a great bank however how can this be true when a Legitimate check is cashed and it clears and everything they hold it for the 7 days and when it clears I still cant access my funds and my account was just fine no issues! This came out of nowhere and Chase has no explanation as to why I can not access my funds!!! So I have XXXX dollars no issues cleared in my account with no problems and cant access my funds to do what I have to do for me and my kids future is absurd!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U.S. Code 1681- Congressional findings and statement of purpose ( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. 

( 4 ) 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. 

Experian did not fulfill their obligation and GRAVE responsibility. Experian acted in an unfair manner and was partial. Furthermore, Experian did not hold respect to my right to privacy. 

15 U.S. Code 1681b - Permissible purposes of consumer reports ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

They never had the right to start the report nor did I give Experian written or other expressed consent or permission to start this report from the beginning.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying remove this credit account from my credit score because it had been affecting my credit score by a lot and I called capital one but they cant help me and say they dont see the account under my name. I have no idea whos account that is and why I am the authorized user. This has caused my credit score to drop my 90 points in two months.
Product: Debt collection

XXXX XXXX XXXX XXXX initially was trying to collect on a medical bill that was paid, and they placed a collection on all 3 credit bureaus. All 3 was deleted and they reInserted the line. Again XXXX and XXXX deleted the bogus item. I am enclosing the documents. As for XXXX they will not, even though they are reporting the account as being DELIQUENT as of XX/XX/XXXX .... but the catch here is my XXXX was on XX/XX/XXXX. As confirmed by XXXX XXXX, this account wasnt delinquent and the bill wasnt generated until XX/XX/XXXX. So for this medical bill ... before my insurance could settle up .... 3 months and 14 days later they are reporting it as a collection account. With the new laws I was under the impression we had up to 6 months to get the situation taken care of because of the insurance companys protocol. Again this is there 2nd time inserting this on my credit file. Please remove this collection asap..!! Thanks in Advance