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

My student loan servicer sent an update XX/XX/2023. Their service center says it takes 45 days to update. But still on my report at the bank. I had to show the bank the debt was gone. But still refused loan. It shows on the soft pull. Transunion holds people in credit servitude because the can.
Product: Credit reporting or other personal consumer reports

In my efforts to avoid identity theft, clean my credit and bring my information up to date, I explained to Transunion that the XXXX in between my first name and last name is not valid, Transunion has ignored that and everytime I get letters from them, my name is written XXXX XXXX XXXX I sent driving license, social security card, and utility bill and also a notarized letter and the name remains the same My name is XXXX XXXX not XXXX XXXX XXXX
Product: Checking or savings account

I received a fraud alert txt from Chase Bank on XX/XX/year> at XXXX A.M PST informing me they had declined a transaction for XXXX XXXX XXXX in the amount of {$1100.00} and asking me if I authorized the following transaction. I immediately had responded back on XX/XX/year> at XXXX XXXX XXXX said no and Chase bank had immediately informed they have declined such a transaction with XXXX XXXX XXXX XXXX  and closed my debt card and ordered a replacement card. Then Chase allows a fraudulent transaction to the same merchant XXXX XXXX XXXX XXXX XXXX  in a much higher amount of {$2600.00} on XX/XX/year> after I have informed Chase this is fraud. I immediately have filed a dispute to obtain my funds back from the following fraudulent transaction. Chase have provided me with a temporary credit and then reversed back the credit on XX/XX/year>. I contacted Chase Bank to inquire why they took away the credit and Chase informed me they are taking the credit back because their investigation they had conducted shows the card was used with a Pin number for the following transaction. I have informed Chase that I never authorized such a transaction and was not at the location and never used my pin number with that merchant on XX/XX/year>. In addition, I had asked Chase why would they allow such transaction to go through when I had informed them via txt this is fraud on the same date and for a smaller transaction amount. Chase never conducted any investigations on my dispute and simply took short cuts to blame me for such a transaction. Chase is conducting fraudulent business practices that is unethical and discriminatory to not conduct full investigation on my claim. I shared pictures of the date and time of the txt messages I had received that same day from Chase and still they are not willing to investigate and provide me with my money back. I have been in the financial industry for over XXXX years and I had seen many clients have experienced the same kind of fraud including pin.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX paid statement and notified NMAC ( Nissan Motor Acceptance Corp ) of my change of address. I had contracted for a PO Box while my new house was being built. In all of the mayhem of moving and setting up a temporary home, I didn't realize until 11/30/2020 that I had not received billing from XXXX. 
I called and spoke with XXXX on XX/XX/XXXX for 11 min. 11 secs. XXXX revealed to me the the address was inputted incorrectly. Statements were being sent to me at XXXX XXXX XXXX, XXXX XXXX, TX XXXX. Not the address I listed - XXXX XXXX XXXX XXXX XXXX TX XXXX. I immediately scheduled a " pay by phone '' pay off of the entire note. 
I was told messages had been left on my business phone. A blatant lie. I, like a lot of people was working from home. All phone messages are immediately emailed to me for review and responses. I checked my phone at the office and there was no record of NMAC contacting me. I suggested to XXXX that this should not impact my credit because of a clerical mistake at their XXXX payment processing center. 
I have formally requested a review of this through the NMAC Credit Bureau Management protocol. It was after my second letter that I received a response that all reporting was accurate. To date, I have not received a clear title.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX violated my right to privacy by furnishing my private Protected Health Information to HSI financial Services , LLC without my authorization. The unauthorized disclosure of my private health information allowed HSI financial Services , LLC to illegally obtain individually identifiable information about me, my health condition, and private information regarding my treatment. HSI financial Services , LLC unauthorized access to this information is a violation of HIPAA and a violation of the Fair Credit Reporting Act as my right to privacy was infringed upon. HSI financial Services , LLC then used this unauthorized information to harass me by contacting me without my consent via postal mail and via telephone. Beginning on XX/XX/2022, I've been receiving daily unconsented harassing robo phone calls from HSI Financial Services , LLC from a ( XXXX ) XXXX number with claims of an attempt to collect a debt. The Fair Debt Collection Practices Act prohibits such behavior from debt collectors. On XX/XX/2022, I sent HSI a cease-and-desist letter with demands for documentation to assess and validate this alleged debt. I have not received a response, or any of the requested documents. HSI Financial Services , LLC 's refusal to reply and their negligence to provide the requested documentation violates my right as a consumer to validate the legitimacy of this alleged debt.
Product: Credit reporting or other personal consumer reports

My information was wrongfully gained by the companies listed below resulting in inquiries to my credit report. All of the following inquiries should be removed from my credit report immediately : 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 or other personal consumer reports

Upon review the files, it comes to the attention that there is an Error of FALSE information about a XXXX XXXX XXXX XXXX XXXX Account # ending : XXXX with the balance of {$5100.00} ( Date open XX/XX/year> ). I have No acknowledgment nor given consent permission to anyone in the institution to use my personal information to obtain or open the account to made unauthorized charges, I have reach out to the institution regarding about this matter and made sure the account open without my permission to be closed, remove and delete. As a Matter of rights under FCRA law to be in compliance, furnish-er of False information must provide any documentation that bears its original owners signature authorization and consent within 5 business days, failure to do so in the essence of time period must have the false information delete or remove before the matter is taken to the court because of Predatory Practice by the institution and the furnish-er of False information. Please taken step necessary to remove and delete prevent any account opened under owners personals information without permission nor consent.
Product: Mortgage

Hello, my name is XXXX XXXX. I 've been trying to get a loan modification from XXXX XXXX XXXX since XXXX/XXXX/XXXX. I just today ( XXXX/XXXX/XXXX ) have been notified of XXXX XXXX XXXX selling my loan to a company called Shellpoint Mortgage on XXXX XXXX, XXXX. I have not received any letters of this transfer and had no knowledge previously. I called them today and they told me that the loan was just today sent over to a loan modification specialist for review. They had 14 days to do that already and they have not done so until i called them. Also they are saying that there is a foreclosure sale date scheduled on my home for XXXX XXXX, XXXX. They said that they do not have to file/ record a new Notice of Default and Notice of Trustee Sale and the sale will stay the same from the old servicer. So essentially I only have Monday to get any documents in to Shellpoint mortgage to finalize the review for a potential sale postponement. The servicer is not giving me a chance to apply and be reviewed for a loan modification.I only have ONE day to do anything for my loan modification. I did not even have a single point of contact assigned before today 's date so that they could review my loan modification. How is this company operating. 
This company is so violating right of mine. 
California Homeowner Bill of Rights. 
" CALIFORNIA HOMEOWNER BILL OF RIGHTS The California Homeowner Bill of Rights became law on XXXX XXXX, XXXX to ensure fair lending and borrowing practices for California homeowners. 
The laws are designed to guarantee basic fairness and transparency for homeowners in the foreclosure process. Key provisions include : see : XXXX
Product: Debt collection

This ALDOUS ( XXXX XXXX XXXX ) collection has been paid and is inaccurately reporting on my XXXX report. I have sent multiple complaints to have it removed. It has been removed from XXXX and XXXX so now it is in violation of 15 USC 1681eb for inaccurate reporting. I have attached my last dispute letter to transunion.
Product: Debt collection

I check my credit online last week and saw 5 debt collectors. I have not been anywhere or have I used any credit because of being laid off. I'm not sure where this came from. However I was arrested in XXXX in 2017 and my license was taken away and I had to go to court! There was a man name XXXX XXXX. He impersonated me. This was not known until I went to court and the lawyer showed past arrest photos of " XXXX XXXX XXXX '' and it was all him. I found out he has my DL number, SSN, everything. 

Moving forward I do not even use credit cards and ONLY pay cash, so these accounts can not be mine. Whatever debt this is they need to view the picture of the ID to see if it is my face or that man XXXX XXXX. 

The account that I saw on my credit was The Bureaus Inc Account Number XXXX Even when I look on the credit report and look for information to contact the creditors both of these companies XXXX XXXX XXXX and The Bureaus Inc information is not listed. These company did not send any mail to my address and I have been at the same address for over 30 years. I just don't understand why this happen. 

Please hold them accountable for not verifying whoever used my information to get credit.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA 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. 

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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I want these inquiries to be deleted because I did not authorize these companies to run my credit. I've attached my FTC report. According to the 15 U.S.C 1681 there should not be any damages on my report and its a defamation to my character
Product: Debt collection

" As discussed previously, an FDCPA claim has nothing to do with whether the underlying debt is valid. An FDCPA claim concerns the method of collecting the debt. It does not arise out of the transaction creating the debt [. ] Azar, 874 F. Supp. at 1318. Footnote : See 15 U.S.C. 1692k ( governing civil liability under the Act See that XXXX XXXX XXXX ignored this fact and showed no proof, which is a clear violation of this : Section 392.101 of the Texas Finance Code prohibits a third-party debt collector or credit bureau from engaging in debt collection in Texas unless the third-party debt collector or credit bureau has obtained a surety bond and filed a copy of the bond with the Office of the Secretary of State. Also this : 1. A copy of the consumer credit contract is not sufficient to validate the debt. Validation requires presentment of the account and general ledger statement signed and dated by the party responsible for maintaining the account. XXXX XXXX XXXX. XXXX XXXX, XXXX Haw. XXXX, XXXX XXXX XXXX ( XXXX ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Hawaii XXXX XXXX ( Hawaii XXXX XXXX ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, ( XXXX XXXX ), and XXXX of XXXX v. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ). and XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX ( XXXX. XXXX ). Letter from Federal Trade Commission ( FTC ) Attorney XXXX XXXX XXXX to XXXX XXXX XXXX stating that reporting a devt to a CRA constitutes a collection activity under 1692g ( b ). Several cases have relied upon the FTC letter as persuasive authority that reporting a debt to a CRA is a collection activity. XXXX XXXX XXXX XXXX XXXX XXXX XXXX., et al., If this is not deleted by XXXX XXXX XXXX immediately by XXXX XXXX XXXX I will swiftly turn this over to national FDCPA, FCRA attorney XXXX XXXX for the potential FCRA/TDCPA violations which offer treble damages. Also this, was GAP INSURANCE refund deducted for what you and XXXX have reported to my credit reports ( i.e. false reporting ) and In Texas any holder attempting to collect on a motor vehicle retail installment contract must have a XXXX XXXX XXXX XXXX. You DO NOT
Product: Debt collection

So in the last review it was mentioned that their was no show of me being underaged I will provide proof XXXX 2020 I was XXXX. Might I add the subscription was cancelled over the phone with XXXX XXXX Also it was no reason to keep a amusement park membership on a global pandemic. I would also like a contract with my wet signature.
Product: Credit reporting, credit repair services, or other personal consumer reports

YOUR COMPLAINT In accordance to 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. I told XXXX, TransUnion, and XXXX to reinvestigate these accounts : 1. XXXX XXXX 2. XXXX XXXX XXXX 3. XXXX XXXX 4. XXXX XXXX XXXX However, they stated everything was complete and accurate. But, how's that possible If the date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are supposed to modify accounts that isn't reporting correctly. 15 USC 1681 section 602 A. States that I have the right to privacy. 15 USC 1681 section 604 A Section 2 also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1681 c ( a ) ( 5 ) 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 dates back more than 7 years. 15 USC 1681s2 ( 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. Also, they aren't even in compliance metro 2 credit reporting. I have evidence to prove my case.
Product: Mortgage

I was buying a house and was ready for close when my loan was denied and now theyre trying to keep my {$2500.00} XXXX money. I did everything they advised me to do and now they wont respond to my emails. On XX/XX/year>, I wrote a check, which they deposited, as XXXX money for a $ XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, AZ, XXXX. At that time I was advised I was prequalified for a home loan with {$2500.00} XXXX money followed by a XXXX deposit at time of close ; to be completed building around XXXX. During this period I was advised by my lender broker, XXXX XXXX, to not incur any additional debt or credit which I did not. I continued to pay my bills on time and waited for the house to be built. We encountered numerous problems during the building process from subpar trades people doing shoddy work, I have pictures if needed ; to being told by XXXX XXXX, the XXXX my house wasnt the most important and its a track home. It was then suggested by him, I go ahead and close, move in and, then theyd come back and fix the issues. I was not comfortable with this so the house still wasnt finished until XXXX. Come time for closing and the XXXX XXXX broker couldnt get the original deal done because they lost a program they were going to use. I was advised to pay off {$2000.00} in credit card debt, which I did, to get a credit rescore with a 91 % success rate. It failed. XXXX XXXX XXXX XXXX got involved but ultimately they came back with the only offer they could which was almost twice as much as the original deposit. I wasnt ok with trying to make the bigger down payment at that time. During that conversation the building issues came up that he was not aware of and he told me they had a Monday morning meeting already scheduled and he would discuss things and get back to me. That was the last time I heard from XXXX XXXX except for a electronic docusign cancellation notice emailed to me by XXXX XXXX, I did not sign. Followed by an automated email for a a cancellation correction. My realtor told me XXXX refused to give me my money back because they say I did something that caused the failed deal. Citing the reasons being all the things they caused including, a XXXX point drop in my credit score, the lack of reserve funds, because I paid the credit card debt and my refusal to secure a co-signer which wasnt part of the original deal. I have contacted all involved and no one has responded. My {$2500.00} XXXX is owed to me. I did everything XXXX XXXX advised and I want my money back. Additional documents can be provided.
Product: Credit reporting or other personal consumer reports

I appreciate your assistance in getting some of the fraudulently obtained data from my credit file removed, but there are still items that need to be blocked or removed. You must remove all records listed on an ID THEFT REPORT in accordance with FCRA section 605 of the regulations. I am proactively including this report again because I proactively remembered it for a previous letter. I have informed my attorney of my intentions, and they are willing to hold you accountable for your persistent disobedience. 
XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, TN XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cashapp ( Block , Inc. ) due to inadequate customer service and repetitive unfair practices, which violates the Consumer Financial Protection Act ( CFPA ). Specifically, Cashapp has failed to take timely, appropriate, and affective measures to prevent and address continuous fraud on their platform, leaving my account unfortunately vulnerable and unprotected. Furthermore, their dispute resolution process was and ALWAYS is unfair and deceptive, as they never comply with the error resolution requirement under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and major financial loss, and I seek appropriate redress for these violations.
Product: Consumer Loan

I have tried to work with the lender directly in terms of paying off my loan at the correct remaining balance for a few months. 

Since then, my lender is attempting to delay communication in order to continue charging an outrageous amount of interest at the rate - 33.498 %, and recently put me on an interest-only bearing term which I was unaware of. The lender has charged me unreasonably high penalties for failure to keep up with repayments and took advantage of the fact I was unemployed for a year. 

The lender has told me they will not be able to work with me until my account goes to collection because I do n't have an attorney.
Product: Credit card or prepaid card

I received an email on XXXX XXXX, 2021, indicating that American Express was running a promotion associated with my Hilton XXXX card stating that if I spend a minimum of {$8000.00} on my card, I would receive a free Hilton night within XXXX weeks of meeting that spend requirement. 

I met the spend requirement on XXXX/XXXX/21. It is now over 19 weeks since then and I was told today when calling AmEx about the free night status to wait another 7-10 weeks by a customer service representative with no other recourse. They also said this has been a common problems with other cardholders.
Product: Credit reporting or other personal consumer reports

I disagree with the account listed below which still appears on my credit report, even after your Investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score ( account name : XXXX XXXX XXXXXXXX, account XXXX ) In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting accounts as unconfirmed information without producing proof within the legal time range. 

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

I sent a letter to Experian and XXXX to correct incorrect information that is showing on my credit report. Both companies are refusing to delete the incorrect reporting information. Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Inaccurate, incomplete, or unverifiable information must be removed or corrected. Both companies have been given several chances to update the information. Instead, I am getting that the accounts have been verified. How can an account be verified when the information reporting inaccurate. XXXX disputes on this account was done on XX/XX/XXXX andXX/XX/XXXX Each time the information came back verified. Experian disputes was done on XX/XX/XXXX XX/XX/ and XX/XX/XXXX 

According to the Fair Credit Reporting Act ( FCRA ), 611 ( 15 U.S.C. 1681i ), I have the right to dispute incomplete or inaccurate information in my credit file. In compliance with this act, I formally dispute the following charge-off accounts : Acceptance now and
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX XXXX XXXX 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.