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

This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report immediately : XXXX  XXXX  Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The reporting of these account ( s ) is/are violations of 15 USC 1681, and the Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( XXXX ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; So let me explain. Under the Truth in Lending Act 15 USC 1602 ( g ), credit card is defined as the following : The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. 
This makes your social security card, drivers license/ID, and license plate credit cards that are/were used for the extension of credit. 
So, with that being said, with great power comes great responsibilities. It's really up to you how you want to use this information.
Product: Student loan

The company 's name is XXXX XXXX XXXX and they represented that they consolidated loans on behalf of the U.S. Dep't of Ed. 
I received a letter in the mail explaining to me that I might be eligible for a better consolidation of my education loans because of a program with the federal government. It directed me to XXXX, and told me to register there ( to save time ) and then call a number. When I called the number, they told me to download loan information from the XXXX website and email it to the customer service representative -- which I stupidly did ( I CAN NOT believe I did this but the letter was convincing that they were working on behalf of the department of education ). They asked me questions about my income to see if I was eligible for income-based reductions. They then eventually explained that they were a document preparer and that they could facilitate a loan consolidation that would reduce my interest by % XXXX if I paid {$790.00}. I then got off the phone. 
I can not believe I was duped into providing them loan information. I feel scammed. It is NOT a credible organization. The number I called was XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I moved from XXXX XXXX in XXXX of 2015. When I left the complex, management said that they would keep my XXXX deposit and since there was only a month left, would not hold me to the lease. Additionally, my XXXX  son and spilled bleach on an area of the carpet that both maintenance and management were made aware of. Both stated that it was time for that carpet to be replaced and not to worry about it. I never heard anything from anyone at XXXX XXXX. An acquaintance whose mother works for my ex husband took a position at XXXX XXXX after I moved from complex and this person abused their power and position and created a debt that never existed. As soon as this person took a management position with XXXX XXXX, she reported an erroneous amount of XXXX to XXXX XXXX XXXX four months after I had moved. I have disputed this with the credit bureaus and every dispute simply comes back in an expedited amount of time as " complies with FCRA '' which is does not. This is harassment and fraudulent.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the Equifax breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. 

This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the Equifax breach as well.
Product: Credit reporting or other personal consumer reports

I am writing to formally file a complaint against XXXX located in XXXX XXXX, FL. This company has repeatedly violated my consumer rights under the Fair Credit Reporting Act, causing me significant financial and mental distress. To begin with, they have reported an erroneous and unverifiable account on my credit report, and despite my requests for proof of claim as required by the FCRA, they have failed to provide the necessary documentation. Despite my persistent efforts to resolve this issue over the past several months, XXXX has consistently ignored my communications and legal submissions aimed at removing this inaccurate information from my credit report. It is disheartening to note that there are numerous other complaints against this company for their illegal and unethical business practices, yet they continue to operate. The unprofessional and negligent behavior of XXXX has inflicted severe harm not only on my ability to establish credit and secure favorable interest rates but also on my professional reputation and personal well-being. I implore you to assist not only me but also other consumers facing similar issues by putting an immediate stop to these unethical and immoral business practices. I genuinely appreciate your time and assistance in addressing this matter and eagerly await your response.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the XXXX XXXX XXXX  and I also have enclosed copies of the XXXX XXXX XXXX Identity Theft Affidavit. Please delete the items as soon as possible.
Product: Credit reporting or other personal consumer reports

This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Checking or savings account

About two weeks ago I contacted Chase Bank regarding my debit card and a card chip issue. I was told that the card only needed a reset. Since then I've had issues woth my card declining, unable to access funds via the ATM, or request cash back on purchases while at a terminal. Today, XX/XX/2021, I contacted Chase customer service to request a new card. Currently, I live about 30 to 40 minutes from the nearest branch and have no cash on me. I asked if the card could be expedited. I was told that there would be a {$5.00} charge and that they're not authorized to waive the fee. Instead, now I have to wait 3 to 5 business days to get a new debit and to have access to an ATM near me. I'm stuck having to use my credit card for purchases. This type pf behavior and their unwillingness to assist a customer by waiving a fee is clearly a form of an abusive and unfair practice. I will be closing my account, but I could not let this type of behavior go and possibly affect other customers that may facing some sort of hardship and may require expedited access to access device. Your bank should clearly consider the potential heightened risks of XXXX violations or what could possibly cause regulatory scrutiny. Treat your customers like people rather than a dollar sign and maybe this way you'll retain your clientele.
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 Opened XX/XX/XXXX XXXX  XXXX Opened XX/XX/XXXX, XXXX Opened XX/XX/XXXX, XXXX Opened XX/XX/XXXX, XXXX Opened XX/XX/XXXX, XXXX XXXX Opened XX/XX/XXXX violated my rights. i looked at my XXXX credit report on XX/XX/XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act, Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). According to 15 USC 1681 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generalif, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information. as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX an affiliate of XXXX, has violated bankrutpcy laws by reporting a balance on our credit that was paid through bankruptcy and any other amounts were discharged. Additionally, the lender released the lien due to being paid through the bankruptcy. I am filing suit against XXXX XXXX XXXX XXXX ( XXXX & XXXX )
Product: Credit reporting or other personal consumer reports

Dear CFPB, - My name is XXXX XXXX XXXX. I have a hard inquiry on my transunion credit report from XX/XX/XXXX. Its a fraudulent inquiry. I did not authorize this to show up on my credit report and did not apply for a cfna account. On XX/XX/XXXX I called XXXX and spoke to XXXX. XXXX cancled the application and submitted a request to remove the inquiry from my credit reports. After waiting over 3 months, the inquiry is still on my credit report. I have made multiple attempts to dispute this with Transunion and they are refusing to delete this from my credit report.They told me its off of my report and sent me a credit report that shows the inquiry is still on there. Please assist me with getting this hard inquiry removed from my transunion credit report. I also have the same XXXX hard inquiry on my XXXX report from XX/XX/XXXX. XXXX has promised to remove the inquiry multiple times. They have already confirmed they recieve the request and its still on my credit report. 

- I already filed a complaint with the cfpb against XXXX on transunion. Both credit agencies responded to the cfpb that the inquiries from XXXX have been removed. I checked my credit report in XXXX  and found the XXXX inquiry is still showing on XXXX and transunion. Furthermore, I order my credit report with XXXX on anual credit report and its still showing on there as well. I've attached a screenshot of both reports showing the inquiry. Both of these reports are my most recent report. I'd like these to be removed. Thank you for your help. 

Best regards, XXXX.
Product: Credit reporting or other personal consumer reports

I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXX XXXXXXXX XX/XX/year>
Product: Mortgage

In early XXXX, I submitted a complaint to CFPB regarding the refusal of Nationstar Mortgage to make a good-faith effort to modify my home equity mortgage, which carries an interest rate of 6.5 percent. Nationstar 's response is to stonewall and conduct a sham process apparently designed to give the CFPB the impression that the company is being responsive. In fact, just the opposite is the case. On XXXX XXXX, 2016, I received a form letter from Nationstar dated XXXX XXXX, 2016 asking me to submit the detailed application for a loan modification. Even though I had previously completed such an application months earlier, I completed the application again and mailed it in the postage-paid envelope that Nationstar provided. I 'm quite confident it arrived at Nationstar by the stated deadline of XXXX/XXXX/16. 
On Monday, XXXX/XXXX/16, I received another copy of the same letter and packet, this time stamped " Final Request. '' The letter was dated XXXX/XXXX/16, and stated the deadline to complete the application and have it received by Nationstar is XXXX/XXXX/16. In fact, the process is a sham to conceal Nationstar 's refusal to make a good faith effort to modify my mortgage and likely many, many others. I have attached copies of the XXXX letters and a copy of Nationstar 's acknowledgement of the previous CFPB complaint that I submitted. It appears that Nationstar has found it can mollify the CFPB with the appearance of responsiveness, but with no substance or truth behind the facade.
Product: Checking or savings account

Back in XX/XX/2012Bank of America put me in XXXX & ive paid them off & ive got a XXXX   report but no information is there. Im trying to figure out when Im going to get out of XXXX.
Product: Debt collection

The account is with Conns. The account was opened in XXXX NOT XXXX. They reported that the account was open ed in XXXX. I have disputed it numerous times and XXXX refuses to delete it.
Product: Mortgage

I refinanced my mortgage with BB & T because they had a better rate at 4.49 %. I told the loan officer that I wanted a fixed rate not one that fluctuates. I was specific with her. She said that it would n't change, that a fixed rate did n't matter because they hardly ever change. I received a letter 4 months after stating that my rate increased to 4.74 %. I was so upset! Because she told me that it would n't increase. I went into the branch and spoke with her and she said there was nothing she could do because I signed the papers that said that it was n't a fixed rate. Finally, the last bill that I got had an interest rate of 5.99 %. I am so upset. This is more than I was paying for my mortgage before I switched. I felt that XXXX XXXX ( Loan Officer ) was not clear and was misleading. She said that my credit was n't good and this is why I received the 4.49 % and not lower. Please help me in this matter I am an eighty year old and ca n't handle all of this aggravation.
Product: Checking or savings account

OMG! IT's getting so much worse with this bank! 

I previously filed a discrimination complaint with this bank! They still have my name wroing under XXXX XXXX ... .and then I found out that they put a 2 week hold on a {$500.00} XXXX check that I closed because of discrimination, thus that check was bring used to fund this account. 

Now I find out the very next day, they now now access some assinigne {$15.00} Hold FEE???????? for that exact same {$500.00} What the XXXX is this??? 

I want to close out this account now to B of A 's XXXX business pursuits, trying to gouge customers for no fault when they are merely depositing checks? 

What the gull of these people ... ..CFPC, you need to look at this bank gouging customers for fees. As a former XXXX XXXX for the XXXX XXXX XXXX, and now going to XXXX XXXX ... ..I am going to file a tort claim here in California as well against this bank. 

I also want to close this checking account due to the XXXX service and fees being associated with this bank ... ... I have check fees that I also paid to get checks in my name ... .I will be filing for return of those monies as well since B of A has engaged in deceptive business practices trying to extort fees from it's customers. 

This is now a series of 3 complaints against this bank ... .one wonders what other fees they will try to extort from me, when I had the initial discrimination compliant and they are now engaged in retaliatory strikes against me ... .cause of action here under the California Department of Fair Housing and Employment for  discrimination against protected citizens, that being LGBT protected class of individuals.
Product: Mortgage

In XXXX of XXXX the courts here in Ohio granted me ownership of the property at XXXX XXXX XXXX XXXX Ohio through a divorce decree and was to take ownership starting XX/XX/XXXX after rental tenants have moved, Upon moving in i reached out to Midland mortgage to get the necessary items and information needed to make this court ordered transaction smooth. They continuedly changed the terms of what i needed verbally only ( nothing in writing ) on what is needed. they have changed the information needed and even changed the mortgage amount from XXXX XXXX without any letter to me explaining the change amount. which is illegal, It has been over 1 year now since these things started and all the correspondence from them I have sent in at least twice including the divorce decree and assumptions paperwork and all county transfers from XXXX XXXX which I am a employee. The tactics that Midland Mortgage have been using are a violation of ethics and a violation of my rights .Practices like that should not be happening in XXXX. I sent in six ( 6 ) payments from my bank account and now this is not enough. If you read the TWO ( 2 ) correspondence they all state just 6 payments from my checking account, That's what i was given and that's what I followed, now I'm tired and my family continues to disrupted by these unethical practices. I challenge Midland Mortgage to show me any correspondence other than what i provided where i have not fulfilled their obligations. 

This has continued to disrupt my children and there well being with the tactics used by Midland Mortgage. This must stop now
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, FL XXXX Date of Birth : : XX/XX/XXXX SSN : XXXX XX/XX/XXXX Dear Sir/Madam, Upon reviewing my credit report, I have identified certain incorrect information that needs to be corrected immediately. Below, I detail the inaccurate information that should be removed, as well as the correct information that should be reflected in my credit report : Incorrect Information to Be Removed : - Incorrect Name ( XXXX ) : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX A XXXX XXXX XXXX XXXX XXXX - Incorrect Address ( es ) : XXXXXXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX XXXXXXXX XXXX XXXXXXXX, NJ XXXX Correct Information to Be Reported : - Full Name : XXXX XXXX - Correct Date of Birth : XX/XX/XXXX - **Correct Social Security Number** : XXXX - **Correct Address** : XXXXXXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX I request that you correct this information promptly, as these errors may harm my credit history and misrepresent my identity, potentially linking me to fraudulent activities. Additionally, I ask that all phone numbers listed on my credit report be deleted, as I have been a victim of unsolicited robocalls. Please also be advised that I have formally opted out of any binding arbitration agreements with your company and am prepared to exercise my legal rights if necessary. Under Section 611 of the **Fair Credit Reporting Act ( FCRA ) **, I am requesting the removal of any inaccurate or negative information from my credit report. I expect to receive an updated report reflecting these corrections within 30 days, as required by law. Thank you for your attention to this matter. I look forward to your prompt response. Sincerely, XXXX XXXX
Product: Money transfer, virtual currency, or money service

XX/XX/year> {$610.00} was taken from my account I called and tried to get it back and they told me it was not possible. 

XX/XX/year> {$260.00} was taken from my account from an XXXX and they again told me there was nothing they could do. 

XX/XX/year> {$370.00} I accidentally sent the money to the wrong person I called to get it reversed and they said it was nothing they could do. 

XX/XX/year> {$500.00} I accidentally sent the money to a closed account and it never came back to me
Product: Credit reporting or other personal consumer reports

Following the Fair Credit Reporting Act. This list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXXXXXX XXXX XXXXXXXX Account Name : XXXXXXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 Section 602. 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 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 a person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

XX/XX/XXXX I used ATM inside chase Bank to deposit XXXX XXXX total XXXX XXXX bills as cash into my check account. 
After insert money in hole, the atm jammed and return to main screen.

I couldn't get my deposit and my cash neither I contacted customer center at XX/XX/XXXX. 
Until XX/XX/XXXX I have no emailed, claim number or anything from Chase. They just told me to wait XXXX business days.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called TransUnion for assistance with unauthorized inquires on my credit report. I spoke with a representative who was assisting me with deleting these inquires and the phone was disconnected. I then called back and spoke to another report who told me the inquires could not be deleted. I explained to the representative that I was previously being assisted with deletions before the phone hung up. I asked to speak to a supervisor who told me she would not assist me with taking care of the negative inquires reporting to my credit report. 

Inquires XXXX XX/XX/20, XX/XX/20 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

Hi my name is XXXX XXXX and I've been a chime bank customer on and off for around 10 years. 
I made and still make it a full time job to advertise and promote their service such as the chime bank account and debit card. 
I advertised to all of my friends and family, XXXX, XXXX, XXXX and etc. 
I have been working doing so faithfully for at least the last XXXX to XXXX years using my personalized link from chime to attract new customers and if they meet certain criteria I get a bonus referral reward of {$100.00} and I get a bonus referral reward of {$100.00}. 
But in XXXX to XXXX years now and according to chime I've only earned {$100.00} for relentlessly promoting and advertising this service.