23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

My account was closed back in XXXX of XXXX, I have since filed an complaint and Chime reactivated my account ; however, the money I had in there ( XXXX $ ) was sent out to me XX/XX/XXXX of XXXX without my knowing. No email, I didnt request a closure check then, I was told I would not receive a refund. They claim they sent the check out to my apartment XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX WI XXXX, but I have moved out of that place since XX/XX/XXXX if XXXX. The apartment had flooding and black mold so no one was living there for the remainder of XXXX, and part of XXXX up until XX/XX/XXXX. I have however been to the apartment to collect any outstanding mail on XX/XX/XXXX of XXXX, and there was no check from Chime. I have since called multiple times to inquire but still nothing, they just keep telling me to loook out for an email I never received. My account is back activated why can they not just reimburse my money direct deposit?
Product: Credit reporting, credit repair services, or other personal consumer reports

This collector or creditor did not provide Hipaa release on this debt. I am proceeding with legal action, should this item not be deleted within the required time by law.
Product: Student loan

I attended XXXX, PA from XX/XX/XXXX-XX/XX/XXXX. During this time my school misrepresented job placement rates for many of their programs of study and violated federal law. I was forced to go with a high interest private student loan ( 14.9 % ) through XXXX XXXX, which was a institution owned by XXXX. I was supposed to receive a letter by XX/XX/XXXX if i was included in this settlement. I never received one yet i am a victim. I have contacted Universtity Accounting Services about this and they neglect to answer my question. This complaint pertains to complaint Case : XXXX Document # : 1 Filed : XX/XX/XXXX XXXX XXXX of XXXX PageID # :1.
Product: Debt collection

I have new and updated information regarding Complaint Number XXXX. Dunlap Gardiner LLP continues to violate my rights as a consumer with the use of false and deceptive information in its illegitimate attempt to collect this alleged debt by falsely stating The homeowner is bound by the Declaration. First, its misleading as to whom Dunlap Gardiner LLP is referring to as The homeowner. Second, to be bound by something means that there had to have been a contractual agreement. Its a fact that Dunlap Gardiner LLP confirmed in previous responses that there was never any sort of agreement nor was there any legal merit to this alleged agreement. It is also a fact that there was never a meeting of the minds between me and the association regarding any sort of agreement towards any formal statement, proclamation, or announcement, esp. one embodied in an instrument, legally referred to as a declaration. Furthermore, a legitimate enforceable agreement does not exist between me and the association. I the ( consumer ) can not be constrained to any agreement that I had no knowledge of, wasnt a party to, nor agreed to. Its also a fact that this alleged agreement that Dunlap Gardiner LLP referred to in its response to Complaint Number XXXX is not legal and therefore not legally enforceable. The Fair Debt Collection Practices Act was passed to protect consumers, such as myself from false, deceptive, misleading, and unfair debt collection practices acts such as this. 

In closing, Dunlap Gardiner LLP, advises to contact its office to receive a copy of the recorded declaration of covenants. This is my formal request for Dunlap Gardiner LLP to provide this documentation for review to myself and the Bureau. Being that a declaration is a a formal statement, proclamation, or announcement, esp. one embodied in an instrument, and a covenant is a a formal agreement or promise, usually in a contract. Upon receipt, Im expecting to see the original date this agreement was made, between what parties this agreement was made, what makes this agreement legal, all elements present that makes an agreement ( contract ) valid and legal, who benefits from this agreement, the original signatures of all parties in agreement to this XXXX of XXXX, who created this agreement, the legal documentation to prove that the association is the legal owner of the instrument created by this agreement, what legally binds anyone to this agreement, what legally binds me to this agreement, proof of the contractual agreement that allegedly bound me the ( consumer ) to this declaration, the date, time, and the person to whom allegedly disclosed this information regarding this agreement, and any and all documentary evidence that you XXXX have pursuant to XXXX XXXX XXXX XXXX to include all documents, papers, and corporate records to prove your claim of homeowners, or owners unknowingly agreeing to this misleading, yet predatory contract with the association upon the purchase of a home when the association was not a party to the homebuying process.
Product: Credit card

I tried to book plane tickets through Chase XXXX  in XX/XX/2023. The customer service specialist booked the wrong tickets but insisted they were right in their system that left me with no choice but to cancel the tickets and to directly book with the airline. One month went by, no refund to my credit card of the amount they charged, I called in XX/XX/2023 and a supervisor confirmed they had an issue and would refund immediately. Another month went by, still no signs of the refund. I spent a total of over 5 hours with Chase XXXX being put on hold. This is some of the worst customer service experiences I've had.
Product: Debt collection

I do n't have an account with this AFNI , INC . 

AFNI , INC, XXXX, IL XXXX XXXX. 

AFNI , INC claimed that I owned them {$600.00} and reported this account under Collection ( XX/XX/2016 ) with three companies XXXX. This action is incredibly damaging to the consumer credit and damaging my employment opportunities. Most companies these days want to check a potential employee credit reporting before hire.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit the FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in blocking the erroneous information that is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
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 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 XXXX : 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 XXXX business days. To following information on my credit report is the result of identity theft and should be blocked : ACCOUNTS : 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 Listed below are th Listed below are the Personal Information that are beings 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

In XX/XX/2019 National Credit System added a derogatory mark on my credit per XXXX XXXX. Upon further research, this account was transferred and sold and I am no longer responsible for the account. Debtors creditor did not verify this collection. Also, there was no written form of communicatio, contract, or signature for this accused debt at all. A bill without a written signature does not validate the debt and anyone can send a bill and say it belongs to me. According to FCRA National Credit System has violated my rights as a consumer and Im requesting legal action to remove the account immediately.
Product: Debt collection

Comentity Bank keeps calling my phone number repeatedly for my son-in-law, but does not contact him.
Product: Prepaid card

I logged into my XXXX XXXX XXXX XXXX card account on XX/XX/year>, and noticed it was listed as " Card blocked due to fraud ''. I called the customer service phone number and was told that my card was blocked because of a disputed transaction, and that Certegy sent this block. They told me I needed to contact them. I attempted to contact Certegy was a reference number was needed, which XXXX XXXX XXXX XXXX didn't have any record of. 

I never disputed a transaction on my XXXX XXXX XXXX XXXX account or any transaction in relation to this account, such as adding funds. I have always added funds via Debit Card. None of those transactions have ever been disputed at my bank. I was given ticket # XXXX. I am confused as to why this occurred and it seems to be a mistake.
Product: Money transfer, virtual currency, or money service

I was scammed out over {$130000.00} from XX/XX/year> to XX/XX/year> via international wire transfers on 4 transactions from Chase bank for a pig butchering scam ( crypto investment scam ). The transactions are {$42000.00} on XX/XX/year>, {$35000.00} on XX/XX/year>, {$17000.00} on XX/XX/year>, {$41000.00} on XX/XX/year>. It was my first time using wire transfer. It was also my first time making these big-amount transactions within 2-3 weeks from my checking account. I authorized the transactions, but i did not know i was being scammed. Chase bank does not provide any fraud transaction detection system/process to check or self-examination. Pig butchering scam is one of the fastest-growing types of scams for the last few years. My international wire transfers were too weird and they should be easily identified. Chase bank should take action to combat pig butchering scam and protect customers ' life savings.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any of the following items on an id theft report. Here are the following items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXXXXXX XXXX XXXXXXXX Balance XXXX {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$8800.00} ; XXXX XXXX Balance XXXX {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$940.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$420.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$420.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1400.00} ; XXXX XXXX XXXX XXXX Balance : {$840.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$400.00} XXXX XXXX XXXX Balance : {$0.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$710.00} ; XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$8800.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 
According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

RE : XXXX  BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of XXXX. The information listed below, that is currently listed on my credit report is a result of that XXXX. Listed below are the Personal Information that are being challenged Incorrect Name : - XXXX XXXX Employer - XXXX XXXX  Incorrect CurrentAddress : - XXXX XXXX XXXX, XXXX, GA, XXXX Listed below are the Accounts that are being challenged XXXX XXXX XXXX XXXX XXXX  Listed below are the Collections that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF XXXX  IN PERSONS. IF THE CONSUMER HAS PROVIDED XXXX  DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ DOCKET NO. CFPB-2022-0023 ] RIN 3170-AB12 PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF HUMAN XXXX  ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TO THIS MATTER!!
Product: Credit reporting or other personal consumer reports

I am reporting to your attention a matter of significant concern regarding the violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). It has come to my attention that XXXX XXXX and Synchrony Bank have disclosed my private information to a third-party agency without obtaining my explicit permission, thus contravening the provisions of the FCRA. 
The Fair Credit Reporting Act, as outlined in 15 U.S. Code 1681 et seq., explicitly safeguards the privacy and rights of consumers about the collection, dissemination, and use of their personal information by consumer reporting agencies. Section 604 of the FCRA ( 15 USC 1681b ) establishes that consumer reporting agencies may only furnish a consumer report under specific circumstances and with the written instructions of the consumer to whom it relates. 
I became aware that XXXX XXXX and Synchrony Bank have shared my private information with a third-party agency without securing the necessary written consent from me. This act not only violates the FCRA but also infringes upon my right to control the dissemination of my personal information. 
Failure to address these concerns may necessitate further legal action to protect my consumer rights.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Formal Complaint Regarding Inaccurate Late Payment Reporting for Account # XXXX Dear CFPB, I am writing to formally dispute the inaccurate late payment reporting for my XXXX XXXX XXXX account ( # XXXX ) on my credit report. Despite submitting multiple dispute letters dated XX/XX/XXXX and XX/XX/XXXX, no corrections have been made. This lack of response constitutes a violation of the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
The account details reported by your bureau contain significant discrepancies : Account Information : High Balance : {$30000.00} Last Verified : XX/XX/XXXX ( TransUnion ) ; Not updated ( XXXX and XXXX ) Date of Last Activity : XX/XX/XXXX ( TransUnion ), XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( XXXX ) Date Opened : XX/XX/XXXX ( TransUnion ) ; XX/XX/XXXX ( XXXX and XXXX ) Balance Owed : {$6500.00} Payment Status : Current Creditor Remarks : No remarks provided by the creditor, leaving room for misinterpretation. 
Late Payment Errors : XXXX late payments inaccurately reported for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX across all three credit bureaus ( XXXX, XXXX, and TransUnion ) XXXX 
Inconsistencies in Date of Last Activity : XXXX shows XX/XX/XXXX, while TransUnion and XXXX show XX/XX/XXXX. 
Failure to Mark Dispute Status : The account is marked as " Account not disputed '' across all bureaus, despite ongoing dispute efforts. 
FCRA Violations : XXXX XXXX XXXX XXXX : Credit reporting agencies must ensure the maximum possible accuracy of the information reported. The discrepancies listed above demonstrate non-compliance. 
XXXX XXXX XXXX XXXX : My consumer information was used inaccurately in reporting false payment data. 
TILA Violations : Under XXXX XXXX XXXX XXXX, creditors are required to send periodic statements at least 21 days before the payment due date. The inaccurate late payments indicate a failure in compliance with this requirement. 
Impact and Resolution : The continued inaccuracy in my credit report has caused undue harm to my creditworthiness, affecting my financial opportunities. 
I am requesting the following immediate corrective actions : Remove the inaccurate late payment notations for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX from my credit report. 
Provide written confirmation of the correction. 
Ensure compliance with the FCRA and TILA to prevent future reporting errors. 
If this matter is not resolved promptly, I will escalate my complaint further, including filing additional complaints with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal recourse if necessary. 
Please confirm receipt of this letter and inform me of the actions taken within 30 days as required by law. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

transunion refuses to give me a credit score
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I wrote to you requesting an investigation into items that I believed were ( CHOOSE : INNACCURATE, OUTDATED OR OBSOLETE ). To date, I have not received a reply from you or any acknowledgment that an investigation has begun. In my previous request, I listed my reasons for disputing the information. I have enclosed it again and request that you reply within a reasonable amount of time. 

Since this is my ( SECOND, THIRD, FOURTH, ETC ) ) request, I will also be sending a copy of this letter to the Federal Trade Commission notifying them that I have signed receipts for letters sent to you and you have not complied with my request. I regret that I am being forced to take such action.
Product: Credit reporting, credit repair services, or other personal consumer reports

filed over 60 days ago print iconPrint Your Report Potentially Negative show tooltip button XXXX XXXX XXXXDispute XXXXDispute XXXXDispute XXXX XXXX XXXXDispute all violation proven by the FTC for Former and present violations
Product: Mortgage

Dear CFPB, Reference : XXXX - XXXX XXXX XXXXXXXX Carrington MTG I am writing to formally address an issue I have encountered with Carrington Mortgage, a lending company that has placed an invalid negative note on my credit report. On XX/XX/year> I made my mortgage payment {$1700.00} through Carrington XXXX Pay application, Following day on XX/XX/year> Carrington Mortgage removed this application and announce launch of new app..

Two months later I found out that my payment never went through, I have history of 15 years of loan payment with never missed payment This action appears to be a violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681 ( 5 ) and 15 USC 1692c.

Despite my repeated attempts to resolve this matterthrough multiple phone calls and emails beginning in the month od XX/XX/year> when I noticed change on my credit report Carrington MTG has failed to remove the inaccurate information from my credit report. This has caused significant distress and adversely affected my credit score.

Please review attached email correspondence with Carrington MTG I kindly request that the CFPB investigate this matter as I believe my rights under the FCRA have been violated. I have attached copies of my correspondence with Carrington MTG and my credit report showing the disputed collection for your reference. 

Thank you for your attention to this serious issue. I look forward to your prompt response. 
Sincerely, XXXX XXXX [ Attachments : Correspondence Carrington MTG ]
Product: Checking or savings account

Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Chase Bank regarding their handling of a promotional offer that I was eligible for but did not receive due to errors on their part. I received an email from Chase Bank offering a {$300.00} bonus code for opening a new Chase checking account. The coupon code provided was XXXX XXXX XXXX XXXX XXXX XXXX XXXX I visited a Chase branch to open a new checking account with the intention of qualifying for the {$300.00} bonus code. I explicitly informed the banker of my intention and provided the coupon code. However, the banker did not request the code and instead opened a Chase XXXX Checking account, which is not eligible for the promotion. Upon realizing the error, I contacted Chase customer service. I was incorrectly informed that the offer had been added to my account and that I only needed to make a direct deposit of {$500.00} to receive the bonus. This misinformation led me to believe that I was on track to receive the reward. I later discovered that my account type does not qualify for the promotion, and Chase has declined my request to apply the {$300.00} bonus code to my account. Despite my efforts to resolve this issue directly with Chase, they have not provided a satisfactory resolution. I have been misled and inconvenienced by Chase Bank 's actions and misinformation. I have not received the {$300.00} bonus code that I was promised and for which I met the initial requirements. Thank you for your attention to this matter. I look forward to your assistance in resolving this issue.