23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the dismissed bankruptcies on my credit three or four times now and all I get is the same old response that everyone gets and nothing happens. If the CFPD is just going to except the companies response and close the case then what's the point of this? Those bankruptcies were scams done to me by online companies promising to stop XXXX XXXX  from foreclosing on my home of 23 years in XXXX  when I became disabled from work injuries. They scammed me for nearly {$3000.00} and I lost the house anyway along with {$40000.00} over the amount I owed on the Mortgae that was kept by XXXX a.k.a. XXXX XXXX XXXX. So thanks a lot CFPD and I hope everyone who reads this understands that this is all XXXX and nothing will be done you are wasting your time because whatever response these companies throw out there the CFPD will accept it and close your complaint. Here 's my number if anyone needs me to repeat what I just said XXXX XXXX XXXX
Product: Debt collection

To whom this may concern : 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 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 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: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 please be sure to enter dates that all letters were sent. 

I sent disputed to XXXX, XXXX and Experian for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a Copy of all letters sent below.

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
Product: Credit card or prepaid card

I missed a payment to my USBank credit card account due XX/XX/XXXX. This was the first and only, missed payment for my three ( 3 )  USBank credit card accounts, for five ( 5 ) years, approximately. The bank verified that I have NO prior late payments during the full time of my credit account history, confirmed in my call to a Cardmember Services ' agent, XXXX, on XX/XX/XXXX. 

USBank notified me by letter dated XX/XX/XXXX that the account in question was past due. The letter cited " Because of your late payment history, we have reduced your credit limit to {$8000.00} '' from {$10000.00}. The letter further stated the action was " effective immediately ''. 

I confirmed my EXCELLENT -- -no late payments -- -history for the account in question and all other of my USBank credit card accounts. The bank representative, XXXX, researched and confirmed my payment history for all of my USBank credit accounts. 

I further spoke with a Cardmember Services ' supervisor, XXXX, on XX/XX/XXXX about US Banks ' lowering my credit limit based solely on one ( 1 ) late payment on record. XXXX, the supervisor, confirmed the following : The USBank letter to me, dated XX/XX/XXXX DOES NOT state any other reason for lowering my credit limit. He confirmed this -- -NO OTHER reason -- -is stated in the letter for lowering my credit limit, other than the state- ment for one ( 1 ) late  payment. XXXX reviewed the bank copy of this specific letter and admitted there was NO OTHER stated reason for immediately lowering my credit limit on the account in question from {$10000.00} to {$8000.00}. Further, XXXX stated specifically that USBank had, in fact, reviewed my credit bureau history, and would not verfify this IN WRITING to me. He stated this was the reason USBank lowered my credit limit -- - based on information NOT heretofore revealed or stated to me by USBank. 

I made my late payment for this account on XX/XX/XXXX in the amount of {$200.00}, verified as confirmation number XXXX XXXX XXXX. I have the USBank letter to me dated XX/XX/XXXX in my possession. 

I state, all of my preceding statements above are true and accurate to the best of my knowledge. USBanks ' actions on my credit account, in question, are based on incom- plete and unstated reasons for lowering my credit limit, denying USBanks ' actual action and not informing me, as well.
Product: Mortgage

Fay Servicing services my mortgage, which includes monthly escrow payments. Fay failed to pay my insurance bill when due on XX/XX/XXXX, and I only found out about this as I was doing a routine check on my insurance coverage. My policy expired on XX/XX/XXXX and is currently in its grace period through XX/XX/XXXX. 

I then contacted them the week of XXXX regarding their failure to pay my insurance and uploaded a copy of the invoice and policy to their site, as requested. They still failed to pay the invoice, instead sending a letter regarding force placed insurance. So, I contacted them again on XX/XX/XXXX and emailed the same info to one of their customer service reps who informed me that he would make sure it was addressed. After following up multiple times on XX/XX/XXXX and XX/XX/XXXX, I was finally advised that payment was made. However, to date ( XX/XX/XXXX ), XXXX XXXX still has not received any such payments, so I paid the bill myself on XX/XX/XXXX to avoid a gap in coverage. 

Due to Fay 's incredibly poor servicing practices, I nearly lost coverage on my property, causing both exposure to me and the actual lender. Fay 's failure to pay the XXXX XXXX invoice out of escrow proceeds and then attempting to force place insurance on me is wholly unacceptable.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 

To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter is a formal complaint that you are reporting inaccurate and incomplete credit information on my Credit Report. 

Ive disputed the item with the credit bureaus XXXX, XXXX, and Transunion- all of which confirmed that the public record was verified by you. Please provide the procedure in which you verify records with the credit bureaus. 

In response you verified the item as accurate, stating that you have verified the information with the court. I contacted the court and their response is enclosed. It is clear they do not report to you or any credit bureau for that matter, therefore your original response verifying the item with the court was either an error or a lie. Either way, the reporting requirements do not comply with FCRA 611 ( 15 U.S.C 1681I ) and the information must be deleted immediately.
Product: Checking or savings account

We filed a claim at an atm for {$800.00} which was fine until today. Now they are saying they cant verify that we never got the money ... .even though we called that day and gave them the receipt number and what it said. If it was {$20.00} that would be one thing but I am not going to lose {$800.00} bc the bank cant figure out how to correctly do their job. They can look on the camera and see we never got our money.
Product: Credit reporting, credit repair services, or other personal consumer reports

These Financial Institutions has denied my right after numerous correspondence. I'm not asking them to remove my personal information from consumer reporting agency. I'm simply exercising my rights under federal law pursuant 15 USC 6802 ( b ). They have failed to provide me with Truth in Lending Disclosures & Gramm-Leach Bliley ACT . There excuses are a Retail Installment Contract that does not include the Opt-Out Disclosures, nor does it waive my rights as a consumer. 

I'd explained & pointed out the factual evidence of this federal law numerous warnings & they're still incompetent to comprehend my consumer rights. My financial personal information is unsafe & not properly safe guarded. An Installment contract does not waive my rights under federal law. 15 USC 6802 is a federal law that financial institutions must follow.

15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( b ) OPT-OUT 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, In XXXX of XXXX  I applied for a credit card loan through a used car company " XXXX XXXX XXXX ''. I approved the company to pull my credit report one time yet I had 4 hard inquiries pulled within the same few days by the dealership. When I complained they said that all 4 would be reported and affect my score as if only one was pulled. Now, many months later when I am looking into buying my first house, the 4 hard inquiries are still affecting my score. Please advise on how to reduce these 4 back to 1. 
On XX/XX/XXXX the same thing happened. Can we fix the two to equal just one in XXXX also? 

XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX Thank you greatly, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

You are in direct Violation of The Fair Credit Reporting Act. The store/ bank has violated several of my rights. The U.S.C. 1681 Section 602A clearly states that I have right to privacy. 15 U.S.C. 1681 Section 604A Section 2 : it also states that a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1666B : A creditor may not treat a payment on a credit card account under open-end consumer credit plan as late for any purpose. 
Please remove these late payments and update my account immediately as you are in direct violation of the laws under The Fair Credit Reporting Act.
Product: Debt collection

I am writing this letter in response to the information provided in my credit report. Pursuant to 15 USC 1681e ( b ), I am exercising my right to dispute the accuracy of the information contained in my credit report.

I have reviewed my credit report and found that there are errors and inaccuracies that need to be corrected. Specifically, [ describe the errors or inaccuracies in detail, including the account name and number, and any other relevant information ]. I have attached copies of supporting documents that prove the inaccuracies in my credit report.

According to 15 USC 1681i ( a ), the credit reporting agency has 30 days from the receipt of my dispute to investigate and correct any inaccurate information. I request that you investigate and correct the inaccurate information in my credit report as soon as possible.

Furthermore, I also request that you provide me with a written report of the results of your investigation, as well as a copy of my updated credit report. If you need any additional information from me, please let me know.

I would like to remind you that it is your legal obligation under 15 USC 1681e ( b ) to ensure that the information in my credit report is accurate and up to date. Failure to comply with these code compliance procedures may result in legal action.

Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Applied for a XXXX XXXX card on XX/XX/2021. After making my application XXXX made two hard credit checks using two slightly different names ( XXXX XXXX XXXX and XXXX XXXX ). The second check occurred almost immediately after the first and was not authorized. 

After calling XXXX the supervising agent said he was unable to resolve this although he confirmed the second hard check was clearly in error.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried several times to get these fraudulent accounts off my report with no avail. Sent out verification letters and all them send back is a copy of my report with no deletions or verifiable info. I would like to get the following items removed from my report and from there site completely. 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: Student loan

I graduated in 2009 and Ed Financial is now my loan servicer. I was given the information and was enrolled in graduate repayment plan and was never offered or educated on loan forgiveness options. I was under the impression that I am under the plan which will qualify me for loan forgiveness. After making 42 on time payments when I contacted ed financial about how and where to upload my employment information I was Informed that I am not eligible and I have to start over. 
I am a XXXX XXXX with XXXX. This is beyond frustrating that i was never given the information or opportunity to learn about the program. After repeatedly asking for all my correspondence with them in which they keep directing me to enroll in Income base plan and start over as my only option, I need help from the consumer protection department.
Product: Credit card

I went to XXXX last winter for XXXX months. I Notified my Chase bank that I was going to be there. Unfortunately, Chase has to verify the computer I was using overseas By sending a Email to me. My XXXX email was blocked too for the same reason. Unfortuntely, I was late in making a payment on my Cards ( Freedom Card ) Untill I found some one with a smart phone to call the bank Branch in XXXX Ohio and Made the payment that way. In the mean time, I was charged a late fee of XXXX Dollars do to this Mess. I request that the fee be refunded to me and Give me an easy way to make payments from XXXX, when I go next winter
Product: Debt collection

XXXX has been repeatedly contacting me regarding a debt I have no knowledge of. I sent a debt validation request to XXXX but have not received any response or verification. Their continued calls without providing validation violate my rights under the FDCPA. I am requesting the CFPBs assistance to ensure XXXX  ceases contact.
Product: Checking or savings account

On XX/XX/2023, XXXX ( XXXX ) separate transfer transactions whereby a XXXX party criminal transferred over {$85000.00} from my savings account to a bogus saving account and Chase Bank let it happen. On XX/XX/2023, this criminal again transferred over {$8800.00} from our Chase Checking account, again nothing from Chase, no notification no alerts. 
This criminal impersonated me walked into a Chase Bank branch and authorized the 9 transactions, Chase Bank did nothing. This person was not me, I did not authorize the transactions. This criminal wiped out of our life savings. Chase has done nothing. We contacted the Fraud department of Chase and Fraud department agreed the transactions were not ours. We contacted the Claims department of Chase to open a claim and first were denied be able to request a claim, we called Fraud back and Fraud indicated claims would be taken. Two separate claims were taken one for checking and one for the savings. 

Chase Claims denied the checking claim indicating the transaction resembled the history of transactions, which it did not. We never transferred {$8800.00} to any savings account. 

We filed a police report indicating all of the thefts. 

Chase Bank seems to be only in it for its own profit and not looking out for the consumer. the accounts are insured yet Chase refuses to give our money back.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I am having a problem with RUSHMORE LOAN MANAGEMENT reporting my account late, if I am on a trial loan modification period. You shouldn't have been reported my account s being late. Borrowers who enter into the trial modification period should NOT be reported as late, according to servicer guidelines for XXXX XXXX, XXXX XXXX, as well as other loans ( " non-GSE loans '' ) being modified by HAMP-participating servicers. With that being said XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX is being reported incorrectly. With that being said this account should be deleted ASAP. With this being said please delete this account from my credit report. I have the right for an accurate credit report under FCRA. On XXXX   report you reporting my account was on time but XXXX and XXXX you report me as being late. that alone is a mistake you made it have to be deleted. see attachment.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX  # XXXX Account Name : XXXX # XXXX Account Name : XXXX  # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX  # XXXX Account Name : XXXX  # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> XXXX BANK XXXX XX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, XXXX DEPT OF ED/XXXX  # XXXX Opened On XX/XX/2010 Account Status : Open/ Education Loan Showing Past Due : XXXX This letter is to formally advise you that I believe your company has violated several of my consumer rights. Specifically, you failed to validate a debt at my request, which is a FDCPA violation, and you continued to report a disputed debt to the Credit Bureaus : another FCRA violation. Not only have you ignored my prior request for validation of debt ( proof, attached : receipt copies or letter copies ) but you continue to report this debt to the credit bureaus causing damage to my character. 

This letter will again request that you follow FDCPA and please provide the following validation of debt request : -Proof of your right to own/collect this alleged debt -Balance claimed including all fees, interest, and penalties -Contract bearing my personal signature As you may be aware. Estoppel by Silence legally means that you had a duty to speak but failed to do so therefore, that must mean you agree with me that this debt is false. I will use the Estoppel in my defense.
Product: Credit card

This problem began when my original account was closed without notification when a Co-Owner ( my XXXX son ) obtained his own separate account. Ive attempted to reapply and obtain a new card at least six ( 6 ) times and been promised by at least three managers during a dozen separate support calls that I would be contacted back after they submitted an escalation. Ive never once received a callback addressing any of this. 

The system answer in every denial has been that my Identification can not be verified, which is total nonsense. The multiple photos of my Utah drivers license that have been submitted were clear and there is no way that all the different photos that Ive submitted were bad. It also ignores that I AM ALREADY A CUSTOMER, have had credit with you before, and HAVE AN ACTUAL BALANCE IN A LINKED SAVINGS ACCOUNT. 

There is obviously some glitch or other failure in your system or you are lying about the reason for denial. No person at Goldman Sachs Bank has been willing to take ownership of this problem, which I find to be indicative of a supervisory and management failure within the bank.
Product: Money transfers

I sent a money transfer through PayPal. The recipent did not receive the money so I disputed the charges. PayPay did not decide in my favor claiming that the transfer was completed.