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

This complaint is filed pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) to request that the Consumer Financial Protection Bureau ( CFPB ) assist in the removal of fraudulent accounts appearing on my credit report. These accounts were opened as a result of identity theft and contain inaccurate and false information. The fraudulent accounts are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 These accounts have resulted in fraudulent credit reporting and collections on my consumer credit report. I demand that these fraudulent items be removed immediately and that all related collection activities cease in accordance with my rights under the FCRA and FDCPA.
Product: Credit reporting or other personal consumer reports

I have fraud on my account somebody tried to open an account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX told me to file report with you and I can only dispute it by mail by sending printout from your website after filing with you. Experian does not allow me to file online and they are only open till XXXX.
Product: Credit reporting or other personal consumer reports

The reporting company just made modifications to my disputes without my consent I feel it is Unfair and Deceptive Practices The unauthorized modification of my dispute is an unfair and deceptive act that violates 12 U.S.C. 5531 and 5536, which prohibit unfair, deceptive, or abusive acts and practices ( XXXX ). 
This practice undermines consumer rights and prevents the fair resolution of credit disputes, warranting regulatory enforcement action.
Product: Credit reporting, credit repair services, or other personal consumer reports

On several occasions, I have, to no avail, been disputing erroneous tradelines that have been reported to my Experian Credit Report. Once the credit reporting agency responded stating that the erroneous tradelines where verified by the furnishers as belonging to me and accurate, I requested from the credit reporting agency a description of the method that they used to verify the erroneous information. The credit reporting agency has failed to provide that information to me within the allotted time frame but is still reporting the erroneous information on my credit report.
Product: Mortgage

XXXX XXXX, XXXX Consumer Financial Protection Bureau Mortgage payment assistance/Consumer Complaints RE : - incorrect mortgage principal balance and interest overpayment Dear Sir/Madam, Our mortgage principal balance is substantially incorrect. 
It is incorrect to approximately {$160000.00} over stated. 

We purchased our home in XXXX XXXX for {$160000.00}. We put {$27000.00} down payment. 
We have been paying on the mortgage for over 26 years. 
The principal balance on XXXX XXXX, XXXX was {$110000.00}. 
The current statement as of XXXX XXXX, XXXX shows our principal balance is {$250000.00}. 

The problem starts in XXXX XXXX, our mortgage was transferred to Ohio Savings in XXXX without our knowledge or approval. 
On the first mortgage statement that we received from Ohio savings on XXXX XXXX, XXXX the principal balance was {$280000.00} exactly. 
There is no honest reason the principle balance went from {$110000.00} in XXXX XXXX to exactly {$280000.00} in XXXX XXXX. 
We are aware of the mortgage scandal during these years and believe we are victims of this scandal. This is residue from that scandal and could be a rising class action problem to emerge. 
XXXX XXXX XXXX sold our mortgage to Ohio Savings for {$280000.00} or the person handling our transfer entered the wrong principal balance when setting up our account. 

On XXXX XXXX, XXXX I alerted a customer service rep at CitiMortgage by phone about this issue. They recommended that I to fax the paperwork to XXXX Research Department. I followed their instructions of faxing the paperwork that I have to XXXX Research department on XXXX XXXX, XXXX. I have not heard back from them regarding this issue. 
I am aware of the law that states the loan servicer is required to acknowledge my request within 20 days and XXXX has violated those rules. 
On XXXX XXXX, XXXX ( one week later ) I received an email from XXXX stating that our account is being transferred to another lender. The lender is XXXX XXXX XXXX. 

We have been overcharged and have been paying overcharges on our mortgage for over 12 years. 
According to my calculations our mortgage principal should be approximately {$54000.00}. 
And we have overpaid {$90000.00} in interest over the past 12 years. 
I am requesting your assistance in settling our mortgage overcharges/overpayments.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed inaccurate and incomplete information regarding an account number. I also requested a description of the procedure used to determine the accuracy and completeness of the information from Equifax. I have not received it, and after 3 months Equifax is still reporting inaccurate and incomplete information. On XX/XX/2021 I received a response from Equifax stated the reinvestigation of a creditor was accurate. According to the FCRA, if I have requested how it was investigated, I am supposed to receive that information. 

XXXX  has been reporting companies on my file that violated the Hippa law and is reporting my medical information as proof of validation. 

XXXX, Equifax and XXXX  has inaccurate and incomplete information regarding account number. The numbers are covered with ****and according the to FRCA the account numbers should be full disclosure
Product: Money transfer, virtual currency, or money service

XX/XX/2023 {$3300.00} was supposed to b put in my acct instantly by XXXX XXXX  to B9 and neither company had given me a refund or deposited my funds. Also B9 is charging me XXXX for external fees for no reason
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act Portfolio Recovery assoc XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

In order to provide you with the proof that reporting truncated or abbreviated account numbers constitutes reporting missing or incomplete information appearing on my credit report, I have looked into the issue with the Federal Trade Commission. They guided me to this letter on their opinion on the issue. I have a letter from the FTC attached to attest to this. These are the accounts that are not reported accurately due to the fact they do not express the full and accurate account numbers and they MUST be removed immediately to avoid litigation : 1.   XXXX   XXXX   XXXX    XXXX  .... 2.  XXXX   XXXX   XXXX   XXXX   XXXX  ....   3.   XXXX   XXXX   XXXX   XXXX    XXXX  ....  4.     XXXX   XXXX   XXXX   XXXX    XXXX  ....     It is also proved in my investigation that by sending me account statements from the creditor does not dignify ownership.     I have provided through experian.com/upload a copy of my social security card and driver 's license.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a collection from Hunter Warfield Inc for {$2200.00}, I call Hunter Warfield asking to verify this debt, They told me they had no paperwork on this debt. I sent a letter on XX/XX/2023 asking to show me paperwork which would verify this debt. Hunter Warfield has not respond to my letter. this should be remove from my credit report for lack of Hunter Warfield fail to verify
Product: Checking or savings account

On XX/XX/XXXX I was the victim of identity theft. They got into my email, Robinhood, XXXX XXXX XXXX Account and XXXX XXXX account. They were able to deactivate my phone and transfer my phone number to another XXXX. 

On XX/XX/XXXX I received an email form Robinhood notifying me that my password had been changed. I was locked out of my online account. I could still access my Robinhood app. I contacted Robinhood 's customer service number but it is just a voice message. I went onto the app and saw that someone had started the process of withdrawing {$5000.00} dollars. I contacted their customer support XXXX times thru the app but kept getting kicked out of the chatroom. Later that day the person then began withdrawing {$7000.00}. I contacted Robinhood thru the chatroom and informed them of what was happening and gave them my wife 's contact number. I received a call on XX/XX/XXXX. I informed them what had happened and they told me the {$5000.00} was successfully withdrawn but they were able to stop the {$7000.00} withdrawal. Today, I received an email from Robinhood stating that my account is no longer restricted. They also informed me that any losses I had would not be restored. I was able to get ahold of them today, XX/XX/XXXX and told them that I wanted my funds back and they said there was nothing they could do and keep checking your email.
Product: Debt collection

I received dental cleaning services at XXXX XXXX XXXX XXXX. I had dental insurance through XXXX XXXX and the provider verified my insurance and advised me that it would be covered 100 percent. 

Some few weeks or months later, the provider sent me a bill. I disputed the charges because I was told that it would be covered 100 percent. If I knew that the dental services would not be covered 100 percent, I would have cancelled my appointment. 

XXXX XXXX XXXX attempted to collect payment from me and I explained to them what happened. 

They retained an attorney and filed a lawsuit and attempting to collect more that what I was told by the dental provider that I owe after the services This is just like XXXX invading XXXX and these charges are not justified
Product: Vehicle loan or lease

I currently have a loan with ally financial. There has been a bankruptcy filed after repossession placing an automatic stay on the car. By law the car has to be returned to the owner fee of charge as past due amounts are addressed in the payment plan. It's been over a week and despite providing case numbers and notice of bankruptcy no one can tell me about my vehicle. No one not even their legal team knows. I've been on the phone over 7 hours a day now ffor over a week. This is not a comforting feeling.
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  XXXX ACCOUNT # XXXX XXXX ACCOUNT # 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: Credit reporting or other personal consumer reports

I have been dealing with a great deal of harassment. I realized people were getting information about me from somewhere. Then I realized it was XXXX XXXX. I filed a report for excessive searches on XXXX already. Now I learned that there were additional ones that were done. 

I called XXXX XXXX and I found out that they ran my SSN on several dates. I do have old accounts there for collections. But having worked in collections before I remember how important it is to document everything especially if you are running someones social through the XXXX XXXX database. So I called Transworld after I learned of what dates they ran my SSN. On XXXX - my ssn report was run - but no calls placed on the account, why would you run my ssn and not call me. They already had the right number for me. Same exact scenario on XXXX and XXXX. They are a collection agency for XXXX XXXX. 

Currently my home is equipped with XXXX XXXXXX/XX/XXXX - we have MAJOR tech issues that XXXX can not figure out how to fix since XX/XX/XXXX when I learned of them. My parental controls are disabled on all three platforms where you can adjust them. XXXX is awful to me. I have open complaint with the XXXX currently with them. I have also filed police reports. This is relevant for this reason. 

I claim my router is hacked because it doesnt functions as it is supposed to and I have a wide variety of tech issues. I have also told XXXX in several scenarios that I feel it is done internally because they WILL NOT GET THE FBI INVOLVED EVEN THOUGHT THEY CANT FIX IT SINCE XX/XX/XXXX. The XXXX account is in my husbands name. So we had XX/XX/XXXXsee if Transworld the third party collection agency for XXXX XXXX had run my husbands SSN because he DOES NOT HAVE AN ACCOUNT IN COLLECTIONS THERE. Lo and behold on XX/XX/XXXX they ran his SSN x 4 times!!!!!!!! Excessive and then they ran it again on my birthday XX/XX/XXXX and I have proven tech issues on that day. 

Transworld should have never run our ssn through lexis nexis on any of the above dates. I want to know who they gave our information too.

I did contact Transworld and asked if any calls had been placed to my husband or I on any of the above dates and they confirmed they had not. I recorded the call with XXXX and with Transworld to validate this complaint. 

The main contact from the executive team at XXXX XXXX is emailing from a XXXX XXXX email address even though it is a XXXX XXXX account - so I know they are affiliated the same. XXXX outright told me she will not call the FBI even thought they do not know how to fix my account since XX/XX/XXXX. I feel Transworld who is a 3rd party collection agency is abusing the use of XXXX for an internal employee at XXXX. Why else would XXXX XXXX get the FBI involved if they arent hiding anythingbecause they are- and these searches validate that claim. My husbands SSN is on the XXXX account, he does not have an account in collections with Transworld and did not on XX/XX/XXXX for them to run his SSN 4 times ; nor do they on XX/XX/XXXX. I want to know who Transworld gave our personal information too.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize nor consent to the following inquires being furnished on my consumer report : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX I did not authorize nor consent to the following addresses being furnished on my consumer report : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX I did not authorize nor consent to the following addresses being furnished on my consumer report : XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened a complaint XXXX explaining that someone broke into my home & took my personal information and now has been trying to open accounts in my name. I have called Transunion they hang up and constantly tell me something different every time I call. I have been hung up on XXXX rep say they got my information then another day they never got anything from me. I need help to get these inquiries that I did not apply for removed. Please remove these XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX. You sent me a letter stating that some of the information I gave you suggest that someone else submitted the complaint on my behalf but that is not true. I submitted this complaint & I am again asking you to help me get this information removed from my credit report.
Product: Mortgage

In XX/XX/XXXX I applied for a loan modification from my mortgage bank Chase Bank ( Chase bank took over my original Bank Washington Mutual Bank ) Went to a chase mortgage office who only does the paper work for load modification. the paper work was submitted and I was on a mortgage trial from chase. Spoke to the person who was handling my case the about twice during the first month after that I was paying my trial payment on time. Went to the bank and made my payments. Keep making my payments, the one day went to make my payments and was told the bank no longer accepting my payments I must bring the account up to date. When I called the XXXX number to speak to the person who was handling my account/me. I was told she is not to be found and no one knew my account. and did not believe I was on a trial. I was told that I am eligible to apply for a loan modification. I kept applying then XX/XX/XXXX I was serve papers to foreclose after keep applying and help from people and a none prophet organization finally got a loan modification. I was then told by chase Bank because they add some XXXX ( {$90000.00} ) as interest to my loan I no longer qualify for the go government HARP loan modification. My original loan modification was {$1200.00} now its {$2200.00} a $ XXXX.more. and a 4.625 % interest. I had no choice to take the loan. A few months later I found out chase the same the with many other people and there was a class action law suit and chase lost. It appears chase Bank started loan modification with many others and never gave them the final paper work.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is Charged off from XXXX XXXX XXXX which was then sold to XXXX XXXX  XXXX which is a violation of my rights I never gave any written consent for this to occur this is identity Theft. The creditor has sold/furnished my debt and is now negatively reporting it on my credit profile this is damaging my name as I try to advance in life. 

in accordance with the Fair Credit Reporting act 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 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18.

( 2 ) In accordance with the written instructions of the consumer to whom it relates.

I want this negative impact removed from my credit immediately or to be compensated for the violation of my rights 15 U.S.C 1681n States : ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; I would like to be compensated for all of these errors and violations
Product: Debt collection

It was a loan taken out in my name that does not be long to me .... i received a letter from Mandarich Law with reference number XXXX that says i owe XXXX .... i did not take the loan out... there number is XXXX XXXX XXXX ... .. so this my attempt to dispute it
Product: Credit card or prepaid card

Statement closed XX/XX/XXXX. Payment due XX/XX/XXXX. Payment was made in full by XX/XX/XXXX. Interest was charged on XX/XX/XXXX, {$10.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have the inquires on my credit reports : XXXX XXXX XXXX -- inquiry from XX/XX/XXXX XXXX XXXX XXXX -- Inquiry from XX/XX/XXXX XXXX XXXX XXXX -- inquiry from XX/XX/XXXX Capital one bank usa -- -inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX inquiry from XX/XX/XXXX XXXX XXXX- inquiry from XX/XX/XXXX XXXX- inquiry from XX/XX/XXXX 2018
Product: Credit card

On XX/XX/XXXX, I booked a Scottish Outlanders Tour w/Cosmos tours thru Chase Travel using my Chase Visa credit card. At the time I booked the trip I was not advised by anyone at CHASE PRIOR TO PAYING ALL TRIP FEES, that I could not travel to XXXX if my passport expired within 6 months. At the time I booked the trip, I wasn't concerned about my passport, because it was valid through XX/XX/XXXX. The travel dates were XXXX. I spoke with multiple people about this trip asking dozens of questions and not a single person advised me to ensure my passport didn't expire w/in the next XXXX  months. On XX/XX/XXXX I received my trip confirmation and the only thing it asked about the passport was the passport number. No where did it mention that the passport had to have an expiration date at least XXXX months out. When I tried to update my passport number on the XXXX website, it wouldn't save. Only at that time did I learn that I would have to renew my passport and that was XXXX weeks prior to travel I immediately filed an expedited passport renewal application. Unfortunately, there was an issue with the XXXX govt receiving my old passport ( lost in the mail ) and the expedited process was halted. A few days before the trip, I learned that I would have to file for a lost passport and I could not go on the trip and would have to cancel. 

I 100 % would NOT have booked this trip prior to having a properly updated passport. 

Here is where I have an issue with Chase - At the time of booking, I specifically asked Chase Travel if I needed to buy international trip insurance and I was told NO by the Chase travel agent. I think his name was XXXX. He told me that ANY TRIP CANCELLATION WOULD BE FULLY COVERED because I was using my CHASE VISA to pay for the trip! He told me I did not have to worry and that I would get a refund if I cancelled the trip. 

The full trip price, including my airline ticket was {$2900.00}. All of this was booked through CHASE TRAVEL in the form of XXXX airline points ( worth {$1400.00} ) plus {$1400.00} on my Chase XXXX card. 

After I cancelled the trip, Chase made me file an XXXX to get the money back. They have now DENIED to reimburse me stating that my claim was unrecoverable because they don't reimburse for trips cancelled due to passport issues ( trip documentation. ). This is exactly the OPPOSITE of what I was told directly by Chase. It makes it feel like this was bait and switch advertising. Chase stole all my credit card points. Is keeping the refund on the trip. XXXX got paid. And yet I am out my only vacation of the year and am STILL waiting for my passport. 

I demand the CFPB to investigate Chase for lying to their customers and I insist upon a full refund of the {$2900.00} lost due to Chase 's lies and ineptitude. They purposely mislead their customer and profited off their own lies.