23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Chase Conventional Loan continue to report derogatory history on all XXXX 3 XXXX credit bureaus/history. Reporting as closed, foreclosure and late pay. This debt was included in my Chapt XXXX BKT and should be noted as such. I 've disputed this item twice with no success and updates to my credit history. I 'm requesting that Chase removes this from my bureaus completely! This account was opened XXXX. They have had many class action law suits for the unfair practice in handling my account. This reporting is impacting my credit history and negatively impacting my credit score.
Product: Mortgage

As part of a partial release, Freedom asked for {$31000.00} to be applied to principal of mortgage to account for the release of a side lot related to mortgage. The funds were given to them on XX/XX/2022. Email and phone call have been made asking them to apply the funds to the principal. As of today, XX/XX/2022, the funds are still listed as " unapplied funds '' and haven't been applied to the outstanding prinicipal
Product: Checking or savings account

On XX/XX/2024 I attempted to withdraw {$100.00} from my Chime checking account at an ATM in a nearby XXXX. 

The machine did not dispense any money, but made the sound as if it were dispensing money. 

I immediately called Chime to report the issue and the representative informed me I would have to wait to see if the transaction posted and to dispute it if the transaction posted. 

The transaction posted, I disputed it, and I still do not have my money.
Product: Credit reporting or other personal consumer reports

Re : Complaint Regarding XXXX XXXX XXXX and Violation of Consumer Protection Laws Dear Consumer Financial Protection Bureau, I am filing this formal complaint against XXXX XXXX XXXX regarding its failure to protect consumer data, resulting in the massive XXXX  data breach, which exposed sensitive personal information, including names, Social Security numbers, birth dates, addresses, and in some cases, drivers license numbers. Despite the passage of time, XXXX continues to mishandle consumer data and fails to provide sufficient remedies to affected individuals like myself. 
Facts of the Complaint Exposure of Personal Data : As a result of the XXXX breach, my personal information was exposed to unauthorized third parties without my consent. 
Failure to Notify in a Timely Manner : XXXX failed to notify affected consumers, including myself, in a timely and transparent manner, violating legal standards under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. 
Inadequate Remediation : The remedies offered, such as free credit monitoring, are insufficient to mitigate the long-term risks of identity theft and fraud. 
Failure to Maintain Reasonable Security Practices : XXXX violated the Gramm-Leach-Bliley Act ( GLBA ), 15 U.S.C. 6801 ( b ), which requires financial institutions to protect the security and confidentiality of customer data. 
Ongoing Harm : Despite corrective measures, I have experienced fraudulent activity and credit issues as a direct consequence of the breach. 
Legal Violations Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. 


1681b : XXXX failed to properly restrict access to consumer information. 
1681e : XXXX failed to implement adequate procedures to ensure consumer file accuracy and security. 
Gramm-Leach-Bliley Act ( GLBA ), 15 U.S.C. 6801 et seq.

6801 ( b ) : XXXX failed to implement safeguards to ensure the security of sensitive consumer data. 
Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5531 et seq.

5531 ( a ) : XXXX engaged in unfair, deceptive, and abusive acts or practices ( UDAAPs ) by failing to disclose the breach promptly and misleading consumers about their security measures. 
Federal Trade Commission Act ( FTC Act ), 15 U.S.C. 45 ( a ) XXXX engaged in unfair and deceptive trade practices by failing to protect consumer data and not adequately notifying affected consumers.
Product: Money transfer, virtual currency, or money service

Approximately {$13000.00} was removed from my coinbase account on XXXX XX/XX/XXXX by hackers whe seem to have accessed my telephone number through a coinbase breach. This was not authorized by me and I have been trying for hours and hours and hours over the last three days to file a complaint with the Coinbase fraud department... unsuccessfully .... I have no access to my account which is no longer critically important as agents have told mt that I now have a XXXX XXXX  balance. I need to be contacted by the fraud department and for them to care about this. Sadly they dont.
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital One is reporting my account 60-90 days past due and has not reported to the credit bureaus since may. Since then many payments have XXXX made and My account is currently up to date since 6/30
Product: Debt collection

At XXXX XXXX on XX/XX/XXXX, received an attempt to collect a debt from CBE Group XXXX. Explained that they have yet to send a validation letter and that this debt is under dispute. Please see attachments to letters/ emails to prior collection agency back on XX/XX/21 and email to XXXX XXXXXXXX I told CBE to cease and desist collection activity as this is a disputed debt. Representative said they 'juts got the file ' I advised that they should return the file and mark it in dispute I can certainly afford the {$20.00}, its the principle of the matter. I also have a expetional credit history ( see picture ) which I guard against these type of issues I happen to work in the debt collections business, and it saddens me when players do not follow the correct steps. For the purposes of your investigation 1- Did CBE group purchase this debt from XXXX or from XXXX  XXXX XXXX XXXX XXXX 
2- Neither XXXX nor XXXX do a good job in complaint management handling as neither marked this account in dispute nor allowed it to continue 3- XXXXXXXX, never responded in writing how I requested- and possibly failed to inform XXXXXXXXXXXX or worse sold the debt to CBE
Product: Prepaid card

I attempted to make a {$50.00} payment online using a XXXX prepaid gift card in the amount of {$100.00}. The payment drafted XXXX from my card, bringing the prepaid balance down to zero. I called the customer service line ( XXXX ) and spoke with a customer service representative who told me that I had to have swiped my card XXXX, and that I could n't dispute the charges.
Product: Credit card

Good evening, I was recently informed of the Servicemember Civil Relief Act as it pertains to Louisiana residents and my current auto loan falls under the jurisdiction of this Act. I have the proper documentation and it has already been emailed to you. Thank you for all of your assistance.
Product: Credit reporting or other personal consumer reports

I am filing a formal and urgent complaint againsXXXX XXXX XXXX regarding their obvious disregard for the Fair Credit Reporting Act ( FCRA ) and their failure to properly validate and verify an account listed on my credit report. The reporting of this inaccurate and unverified account has severely damaged my XXXX XXXX and financial standing. This has caused me significant hardship, including difficulties in obtaining credit, higher interest rates, and considerable stress and frustration. The irresponsible actions of XXXX XXXX have resulted in undue harm to my financial reputation and stability.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately. I had two late payments on an account that I was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments. I've attached a copy of my report to this complaint on the following dates XX/XX/year>. Im now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for an investigation of the disputed accounts, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, 3 Credit Bureaus must update the following accounts from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I received a letter in the mail on XX/XX/24 from Aargon Agency Inc for debt owed of {$3000.00} plus dollars I called them at XXXX at XXXX eastern time and notified them I have no acknowledgement of this debt and asked them to send me written proof of this debt the agent stated he would. I have yet to receive this information and I was notified by XXXX  that this debt had been added to my credit report. I have disputed this with XXXX credit bureau. I just ask that this debt collection agency follow the rules of providing me the necessary documentation to resolve this debt.
Product: Debt collection

Received word they called a family member in XXXX. I filed a complaint but it was with the wrong company - I now see this is the company responsible. 

Now have received they have made ANOTHER call, giving out personal information to another family member. this is egregious and absolutely ridiculous. none of the people contacted are in any way associated with my accounts and this sharing of my personal info puts me at risk. Disgusting tactics.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act 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 an account without my written instructions.

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

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS : XXXX XXXX XXXX XXXX XXXX
Product: Bank account or service

In XXXX 2015, I opened a bank of america checking and savings account after finding a promotion online that offered {$500.00} for customers a ) opening a checking account and savings account with the bank b ) generating deposits of {$20000.00} and c ) setting up direct deposit within the first 2 months. The promotion promised a {$500.00} credit to be received to the checking account within the first 90 days. 

After opening the account, I called within the first 30 days and was told the credit would be received shortly. After 60 days, I was again assured that the credit would be received, but within 90 days. After 90 days, when I called I was finally told that I was not a targeted customer and would not be receiving this credit, however the complaint would be escalated. After the complaint was escalated, I was told I would hear back from Bank of America. After not hearing back, I called again and was told they would re-escalate the complaint, but promised I would hear back within 2 weeks, but could expect a response in 2 business days. Another 3 weeks went past and I did not hear back from Bank of America. I called them today XXXX/XXXX/2015 and was told that the escalated complaint had been rejected but was not provided with a rationale for why I was not contacted. 

Not only did the bank refuse to honor their promotion, they were deceitful twice to me when I waited the promised credit. During the first 90 day wait period, I was assured twice that I would be receiving the credit. It was not until the 90-day lapse period ended that I was informed I would not be receiving the promised credit. After the re-escalation process, I was promised to be contacted with the results, I was not and I was given no explanation for why I was never contacted - it appeared they were hoping I would simply forget about the issue. Their rationale for not honoring the credit was that I was not a targeted customer, which I do not recall from the promotion ( I read all fine print ). I have attached a sample of the promotion I found online, ( this includes the details of the promotion I used, I am not 100 % sure this is the direct link I applied for my account though ), there is no mention of a targeted customer. Keep in mind that the promotion was visible to any person by a simple internet search - so by definition, every person that ran a search was targeted. Again, this rationale was also not provided to me until 90 days after I had set up an account with above the minimum required {$20000.00} and also set up my direct deposit service. I am in disbelief and anger that an institution could be so blatantly deceitful in their banking processes.
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an Accounts passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX, DC XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX  XX/XX/2023
Product: Credit reporting, credit repair services, or other personal consumer reports

I name is XXXX XXXX, and I am requesting the negative reporting to be removed from all three credit bureaus. In accordance with the Fair Credit Reporting Act, TD Auto Finance has violated my right.. 

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 any purpose.
Product: Debt collection

Diversified Consultants Inc put collection on my credit reports without my knowledge and in doing so, this violated the FDCPA Collection Practice by placing a collection account on my credit report without sending a letter to me. The letter they sent shows a different balance than what is being reported top the collection bureaus. I request that Diversified Consultants Inc verify the following information. 1. Full original Account Number 2. Date original Account was opened 3. Any written agreements between myself and the original creditor stating this debt is owed 4. Full account summary and itemized calculation of alleged debt 5. Date of the first delinquency 6. Dates and times of any phone calls made and to what number in attempt to contact me concerning the alleged debt before it was reported to an agency, and so proving that these calls were made in the times governed by FDCPA law. If Diversified Consultants Inc is unable to provide the above identifying account information, this account must be deleted from all CRAs. I have attached the only letter which I have received from them. I requested validation, never received validation before it was added to my credit report
Product: Credit reporting or other personal consumer reports

I sent a dispute for an account that did not belong to me, on XX/XX/2023, and they didn't respond as the law says. It has been more than XXXX  days since I asked Equifax to delete this account from my credit report and they didn't delete the account from my credit report.
Product: Debt collection

I have been trying to contact XXXX XXXX since XX/XX/XXXX once I seen their name on my XXXX credit report. Everytime I called them, there is no one available no matter what time of day. I have never received anything from XXXX XXXX regarding this " debt ''. I have disputed with XXXX 4 times, all of which came back claiming that the account was verified as accurate. I contacted the original creditor, XXXX XXXX XXXX, attempting to find out more about this " debt ''. Though they have my information, they could not initially verify that the debt was legitimate. When I asked the person I was speaking to about XXXX XXXX, I was told that they ( the original creditor ) had they're own disputes with XXXX and that XXXX XXXX doesn't report debts to credit bureaus. The guy I spoke to even suggested that XXXX XXXX wasn't a legitimate company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted multiple disputes regarding two collections on my credits which are paid account. I have sent documentation and dates they were paid and cleared my bank. Their investigation continues to conclude that the collection remains as unpaid. I paid almost {$900.00} of my own money I work hard to earn to pay these bills and they continue to tell me they are unpaid even with receipts and bank records.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a charge off bank account that should of been deleted off my credit report years ago It is fully paid off and I would like it permanently deleted off my credit report
Product: Debt collection

This was covered by insurance so I should not have a balance with this office. This account remains on my reports and I want it removed. 

Amount {$100.00}
Product: Mortgage

This is a complaint that was never resolved by CFPB. The complaint number was # XXXX. Although HSBC\HFC deemed my account eligible for the XXXX pay, and reduced my monthly payment to {$890.00}, but by the same token, has changed the condition and agreement of the deed\mortgage. They have single handedly attached the property tax to be included with the mortgage monthly payments without a closing, or agreement or consent by me. How is that possible? I do n't see how this mortgage company was reprimanded or lawfully dealt with! They are in error, ON SO MANY levels. My tax payments did not need to be paid by any XXXX, as there were no lien on the property for arrear payments. Not then or now! Each year during my chapter, I may have been short, but not enough to place a lien. This was confirmed by the XXXX Department. I would appreciate your taking another look into this matter as WRONG doing is definitely apparent throughout this whole ordeal. my constitutional rights are being violated, while this body " CFPB '' does nothing. How is that? 
Thank you XXXX XXXX XXXX
Product: Mortgage

Tried to get a home mortgage through XXXX XXXX XXXX. Got approved for the first loan and was denied the second loan for {$97000.00} from a lender in NY. 

Spoke with representative at US Bank he told me that he could get the deal done for me and started working on the loan XX/XX/XXXX. He said we would close on XX/XX/XXXX. 

XX/XX/XXXX : not closed yet and said we would definitely have it closed this day. I told him that I was going out of town to Idaho on the XXXX. He said we would have it closed by the XXXX. 

XX/XX/XXXX : called me almost every day on my father 's day vacation with my dad XX/XX/XXXX : text message from employee and I quote " How lucky are you feeling : ) '' " We have your deal worked out. '' My reply : " Cool. Any idea how long it will take to get paper work to title? '' Because of his text I released the {$4000.00} earnest money to the seller He did not respond to my text. My follow up to him " tried to call his assistant, sent to voicemail. Call me or text me if you can. '' XX/XX/XXXX : Me " what's the word? '' Him : no response, no response to my email or phone call either. 

XX/XX/XXXX : I text him and said " I need your managers contact information please, Thanks. '' All he replied was her name and phone number. 
I spoke with her and she told me that she doesn't know why he would say the things he did because there was no way that I would be approved for the loan due to debt to income ratio. I told her I should be compensated for moving 4 times due to his promises and reimbursed the earnest money. She said no. 

Total I feel should be paid to me by him or US Bank {$4000.00} earnest money {$690.00} for the movers out of the original apartment end of XX/XX/XXXX and into storage unit {$1100.00} for XX/XX/XXXX-XX/XX/XXXX using demo apartment because no others were available {$1200.00} for the new apartment while waiting for approval XX/XX/XXXX-XX/XX/XXXX {$700.00} for having to move again into a demo apartment XX/XX/XXXX-XX/XX/XXXX {$110.00} for extra storage unit x2 months {$230.00} Total {$7900.00} Not only was I constantly lied to, but my pregnant wife and I were taking his word, which ultimately was a lie and cost us not only money but time and stress and ultimately a miscarriage No action was taken by the company
Product: Credit reporting or other personal consumer reports

I am writing to address the presence of unfamiliar accounts on my credit report, which I suspect may be the result of identity theft, as I have not authorized them. Despite bringing this matter to your attention previously, these accounts remain on my report. I urgently request that they be removed at the earliest convenience.

The inclusion of these unauthorized accounts has caused considerable stress and does not accurately reflect my credit history or financial responsibilities. Dealing with the repercussions has been challenging, and if a resolution can not be reached promptly, I am prepared to take legal action to protect my rights and seek a resolution.

These inaccuracies on my credit report pose a significant obstacle to achieving important financial goals, such as purchasing a home and providing for my family. I sincerely hope that we can swiftly resolve this issue to avoid further disruption.

Thank you for your attention to this matter.
Product: Credit reporting or other personal consumer reports

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