23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I have an XXXX XXXX XXXX XXXXXXXX issued by Chase. In early XXXX, I was contacted by Chase about two charges that they suspected were fraudulent. I confirmed that I had not made these purchases ( XXXX delivery orders on the other side of the continent ). Chase then canceled my credit card and mailed me a new card with a new number. So far, so good. But when I received my written monthly statement today, it included these two charges, for a total of {$53.00}. I called the number on the back of the card, explained the problem to a " customer service '' representative. She said she would have to transfer me to the fraud department ; I was left on hold, and informed that the wait would be about 20 minutes. I hung up, and called back. This time the " customer service '' representative clearly recognized the problem, said that she was powerless to help and that she would have to transfer me to the fraud department. This time, I did hold, but after about five minutes the line went dead. I am filing this complaint with the CFPB in the hope that ( 1 ) you will be more effective in getting Chase to reverse these fraudulent charges and ( 2 ) you will investigate to see if my experience is part of a regular pattern and practice by Chase - who may have consciously concluded that many or most customers will decide that it is easier simply to pay the fraudulent charges than to spend an unknown number of hours dealing with Chase 's unresponsive " customer service '' department.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 I sent a consumer dispute to all 3 major credit bureaus requesting section 609 They failed to positively verify the accounts that are hurting my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, they must remove the accounts. They never sent me proof and continue to report theses adverse accounts. I followed up after no action on XX/XX/2019 and requested for verification and that never happened. The accounts are still reporting and no answer to why.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit bureaus if they reinsert a removed item from your credit report without notifying you in writing within 5 business days.

Consumer protection afforded by the FCRA Section 611 Part ( A ) ( 5 ) ( B ) ( ii ) Fine {$1000.00}
Product: Mortgage

O or about XX/XX/2022, I looked at a home driving by in the city of XXXX XXXX of California. I was driving looking for homes as I waas already preapproved by XXXX XXXX  for {$530000.00}. 
Thisn particulaer home attracted me as a single parent that it would qualifuy for a low income quota and I also met the income requirements as well as the credit having my preapproval with me. 
Upon calling I was told that I would have to aply for a loan from their own bank, USBANK and to go online and do it and then XXXX the pereapproval from them. Dont know if that is legal? Anyway I did that send in all the documents gave access to the bank info and for my credit. 
On XX/XX/2022 in the mail XXXX receievd a letter that my credit score was XXXX points loweer than a few days ago. How did that happen? I was only preapproved les than 30 days ago, I am on alerts with every credit card comnpnay that informs me of every move on my credit, access, points lowerd or go higher, applications, inquiries etc. I am also on alerts with XXXX XXXX abd didnt receive anything fron any of them yet USBANK says its XXXX points lower, and the agent XXXX returned the calls no response via email either just complete silence so as to deny me the opportunity to get the home as I am a single woman a XXXX woman XXXX XXXX always covered and speak with an accent. 
I need ot know how : 1 ) : the credit fell more than 100 poinyts instantaneously?

2 ) : The rson of the silenc?

3 ) : Othe roptions etc? 
and even with the llower score I still qualify for a loan but at a highr rate so whats hoding my application back?
Product: Debt collection

To Whom It May Concern : This letter serves as my SECOND WRITTEN REQUEST demanding that you remove the unverified accounts listed below from my credit report, as they are in blatant violation of 15 U.S.C. 1681 & 15 U.S. Code 1637 ( b ). It is both disappointing and unacceptable that these inaccuracies remain on my credit report despite clear violations of Federal Law. Under the FCRA, you are required to possess original creditor documentation that verifies this information as accurate and belonging to me.

In your initial investigation, you claimed in writing that these items were verified and reported correctly. This is wholly inadequate and raises serious concerns about the integrity of your process.

Who within Experian conducted this so-called verification? I demand that you provide the name, business address, and telephone number of the individual or business contacted during your reinvestigation. Additionally, I asked for copies of the verification documentation, which you failed to provide. Why were my requests ignored?

As you should be well aware, current case law imposes significant responsibilities on Consumer Reporting Agencies to ensure the accuracy of the information they report. These responsibilities go far beyond simply parroting information received from other sources. The courts have made it clear that a reinvestigation that merely shifts the burden back onto the consumer and credit grantor does not fulfill your obligations under 1681 ( a ) ( 4 ).

You have failed to provide me with the original documentation required under Section 609 ( a ) ( 1 ) ( A ) and Section 611 ( a ) ( 1 ) ( A ) ( including a consumer contract with my signature on it ). According to Section 611 ( 5 ) ( A ) of the FCRA, you are required to promptly DELETE all information which can not be verified.

The law is unequivocal regarding the civil liability and remedies available for negligent noncompliance ( Section 617 ). If you fail to comply with your legal obligations, I will pursue litigation without hesitation to enforce my rights under the FCRA.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX  was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

XXXX XXXX  never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

unauthorized inquiries : XXXX XXXX XXXX XXXX XXXX XXXX  fraudulent inquires : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There are inquiries on my report that I do not recognize, and in accordance with the Fair Credit Reporting Act, the list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX XX/XX/21 XXXX XXXX XXXXXX/XX/2XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/21
Product: Payday loan, title loan, or personal loan

I told the lady I was filing a complaint and she almost laughed over the phone at me because I was asserting my rights. All I was trying to buy was a {$350.00} futon. I get more than enough XXXX to afford it but Im trying to repair my credit. According to the email they sent me I was denied for insufficient income/Low income. According to the FTC website they can not knowingly and willingly deny me credit since my income is guaranteed and it comes from XXXX payments. 

The FTC website also states I can pursue a cause against the company in federal district court for a claim of discrimination and recover punitive damages. I am thinking seriously about it. If theyve done it to me theyve done it to someone else. A violation of this matter the s also a possibility violation of civil rights. For everyones information : to bring a suit in federal district court you need to ask for at least {$75000.00} in damages. 

Regardless how this turns out I will write a notice on XXXX review and XXXX  warning them to stay away at all costs. That you must need to make {$50000.00} to be able to buy from there apparently. The poor and XXXX XXXX arent wanted.
Product: Debt collection

I reviewed my credit report and saw that Berlin Wheeler placed a collection account on all three reports. They are claiming I owe XXXX XXXX for an account. I am currently a XXXX XXXX customer and my account is current. I filed a complaint with XXXX and Berlin Wheeler admitted that they were violating FDCPA and FCRA laws by not sending me an initial letter or allowing me to dispute their claims prior to submittal to the credit bureaus. Berlin Wheeler is also violating the automatic stay that is in placed by the XXXX XXXX XXXXXXXX. Berlin Wheeler is asking for over XXXX dollars.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX I have been in deferment with Department of Education they have two accounts with balancing showing {$4400.00} and {$1200.00} showing past due when I had deferments on them both. One of my credit report show that I was only late one time with XXXX for the {$4400.00} and the second on for {$1200.00}. XXXX and Experian has me showing 6 late payments with this company. I have been in deferment and spoke to them about the hardship due to the pandemic and they stated that I wouldn't be affected on my credit.
Product: Credit card or prepaid card

On XX/XX/XXXX I purchased a pre-paid American Express gift card for {$270.00} through spa in California. I gave the card to my daughter. When she went to use the card, she was told it had no money on it. She contacted American Express ' gift card unit and was told that someone made 3 charges on the card on XX/XX/XXXX. Since the card was never out of her possession, both the card number, the CVC and the expiration date of the card must have been stolen as two of these charges were made on line. American Express refuses to compensate me for this loss saying that they don't do that even though the number was apparently stolen. I reviewed their agreement and it totally avoids any paragraph that addresses such theft. I would think that such theft is an inside job. In speaking with the XXXX XXXX, they indicated that they dropped American Express because they have had similar problems. I would expect that the company would be concerned about such hacking of card numbers but they seem totally disinterested in tracking down these thefts. One representative said that once the pre-paid card is issued they have no further responsibility as to what happens to the card relative to fraud or theft ; only if the card is lost or stolen. Why would anyone want to buy an American Express pre-paid card if it is subject to hackers and has no protection? I think American Express should make that a clear disclaimer on these type of cards like tobacco companies warn you of the risk of XXXX.
Product: Credit reporting or other personal consumer reports

It has come to my attention my personal information has been exposed in a national data breach. After reviewing my credit reports, I notices some accounts I am not familiar with. I have asked the CRA 's for validation of debt, however the information has not been provided. Due to my information being exposed, I have submitted a FTC complaint report the info I am not familiar with. 

Please find attached a copy of my I.D . The FTC complaint, a copy of the NPB report showing my information being exposed in a national database and a Validation of debt Letter.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C. 1692c ( b ). that law clearly states In this section, the FDCPA sets forth who a debt collector can communicate with in connection with the collection of a debt without the consumer 's consent.

( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, adebt collector may not communicate with a consumer in connection with the collection of any debt ( 1 ) at any unusual time or place or a time or place known or which should be known to be inconvenient to the consumer. In the absence of knowledge of circumstances to the contrary, a debt collector shall assume that the convenient time for communicating with a consumer is after 8 oclock antemeridian and before 9 oclock postmeridian, local time at the consumers location ; ( 2 ) if the debt collector knows the consumer is represented by an attorney with respect to such debt and has knowledge of, or can readily ascertain, such attorneys name and address, unless the attorney fails to respond within a reasonable period of time to a communication from thedebt collector or unless the attorney consents to direct communication with the consumer; or ( 3 ) at the consumers place of employment if the debt collector knows or has reason to know that the consumers employer prohibits the consumer from receiving suchcommunication.

( b ) Communication with third parties Except as provided in section 1692b of this title, without the prior consent of theconsumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a postjudgment judicial remedy, a debt collector may not communicate, in connection with the collection of anydebt, with any person other than theconsumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of thecreditor, or the attorney of the debt collector.

( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumerwishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except ( 1 ) to advise the consumer that thedebt collectors further efforts are being terminated ; ( 2 ) to notify the consumer that thedebt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor; or ( 3 ) where applicable, to notify the consumer that the debt collector orcreditor intends to invoke a specified remedy.

If such notice from the consumer is made by mail, notification shall be complete upon receipt.

( d ) Consumer defined For the purpose of this section, the term consumer includes the consumers spouse, parent ( if the consumer is a minor ), guardian, executor, or administrator.
Product: Mortgage

Please consider this correspondence to be formal notice that our mutual client is hereby submitting a complaint to the denial of loan modification because your company failed to evaluate this borrower for all loss mitigation options available in violation of Regulation X, 12 C.F.R. 1024.41 ( c ) ( 1 ) ( i ). The lender has also failed to provide a response to the QWR and NOE submitted in violation of regulation X-12 USC 2605 ( e ) ( 1 ) and the clients right to counsel.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently checked my credit report and discovered multiple billing errors. Billing mistakes under US 15. Code 1666 ( b ) is the creditor 's failure to appropriately reflect a statement, a payment made by the debtor, or credit extended to the debtor. a computation error or other accounting error made by the creditor on a statement There should be no late payment on this account because, as far as I can tell, the creditor did not give me a statement 21 days beforehand. Because this is obviously billing error, I demand to see specific documentation from the creditor 's bank account proving that I failed to pay and was considered past due. The disputed account is listed below. 
XXXX Account # : XXXX XXXX : {$2600.00} Date Opened : XX/XX/2012
Product: Credit card

I lost my credit card [ XXXX XXXX XXXX XXXX XXXX ... I have requested a new card more this one time, ,I was not issued a new card..I was disrespected, hug up on and was told nothing..
Product: Credit reporting or other personal consumer reports

As a result of a data breach, my personal information was compromised, leading to unauthorized accounts and credit inquiries being added to my credit report without my knowledge or consent. These accounts and inquiries were not initiated by me, yet they persistently appear on my report, negatively impacting my credit profile. Despite my efforts to address these inaccuracies, they continue to be reflected, raising serious concerns about the security of my personal information and the integrity of my credit report. I request that you investigate and remove the following items : Personal Information : Also Known As XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, XXXX consistently responds within XXXX hours starting the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions XXXX also contravene the Consumer Financial Protection Act ( XXXX ), XXXX XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, as highlighted in the CFPB 's recent administrative proceeding XXXX XXXX XXXX XXXXXXXX ) against them for similar violations. I request that the CFPB make action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation. 

These are the accounts I have marked as inaccurate : - XXXX XXXX XXXX partial acct # XXXX .... 
- Management Support partial acct # XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX partial acct # XXXX and XXXX... 
- XXXX XXXX partial acct # XXXX - XXXX XXXX XXXX XXXX partial acct # XXXX .... 
- XXXX XXXX partial acct # XXXX 
- XXXX XXXX XXXX XXXX partial acct # XXXX .... 
- XXXX XXXX partial acct # XXXX .... 
- XXXX XXXX partial acct # XXXX .... 
- XXXX XXXX XXXX partial acct # XXXX .... 
XXXX XXXX XXXX XXXX  partial acct # XXXX .... 



Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following inquiries are not recognized by me nor have I requested services, obtained services, or opened any accounts from the following creditors. I'VE ASKED THAT THEY VERIFIED PROPERLY BY PRESENTING MY IDENTIFICATION AND SIGNATURE OR REMOVED IMMEDIATELY AND I HAVEN'T HAD ANY SUCCESS.

XXXX XXXX  XX/XX/XXXXXXXX XXXX   XX/XX/XXXXXXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX   XX/XX/XXXXXXXX XXXX  XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX  XX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX
Product: Mortgage

I have a loan that was sold to XXXX XXXX. The balance has not change since they got the loan. I have sent them copies of the Promissory note and copies of the statement how the loan was process at XXXX XXXX. I have called several time requesting a reason why the balance never change and was told it is under Investigation. on XX/XX/XXXX I call and was told the loan had not been paid in over a year and that they we going to start refusing payment because the loan was past due. on XX/XX/XXXX I spoke XXXX from Selene I made a payment and told her of my concerns and explain to her that I have a XXXX XXXX and that this was getting very stressfull. She went over the file and stated that she could see the payment and did not understand why the account is showing late. The amount of the loan is {$3300.00} since XX/XX/XXXX I have been sending XXXX monthly.I have my statement showing the payment from XX/XX/XXXX to current. History showing the org. loan was not a interest only loan and the payment history before the loan was sold.
Product: Checking or savings account

all of my banking data has been compromised. the bank and the police refuse to provide help. 

someone has drained my accounts i have filed this report several times are you even receiving it?
Product: Credit reporting, credit repair services, or other personal consumer reports

EQUIFAX RE : XXXX XXXX XXXX  XXXX Acct # XXXX Delete this account for inaccurate information because it continues to report activity after the closed date XX/XX/2022.