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

We are getting as many as 13 robot calls per day from XXXX ( XXXX ) about the statuss of XXXX XXXX XXXX account. No XXXX lives at the residence associated with the phone number and we have no XXXX XXXX account. We have responded to the robo- call indicating they have a wrong number. The calls continue. This practice is wrongful. We have no business relationship with this company.
Product: Debt collection

Thursday XXXX XXXX, 2017 : XXXX XXXX Eastern Time - unknown number called me.. answered, no one on the other line XXXX XXXX Eastern Time - called number back and spoke with a male representative who gave me his name, and the company name. Wanting me to verify information. I refused to give him my information and asked " Are you a debt collector '' he kept telling me he could n't say until I verified the account which is in violation of FDCPA 805. Communication in connection with debt collection ( 15 USC 1692c ).
Product: Credit reporting or other personal consumer reports

I have recently examined a copy of my credit report, which indicated that the credit inquiries listed below were the source of the credit inquiry. Nevertheless, I did not authorize these inquiries. I kindly request that you eliminate these inquiries from my credit report as they impede my ability to apply for loans and obtain credit. If you have any additional materials pertaining to this inquiry, please provide them. 
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 XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX I disputed 2 account that I have no knowledge of. I also noticed the accounts were inaccurately reporting according to cdia metro 2 compliance data and the FCRA. Missing account numbers and failed the correct data requirements in order to report/furnish. Regulations Z states that data furnisher must contact you prior to reporting any information. The below companies did not do that because they are debt bulk buyers that did not verify nor validate these accounts before they furnished the information. Also, under the privacy act of 1974 and 15 usc 1681 I never gave permissible purpose, consent to furnish, transfer nor share my information. Who are the companies because I never done business with them. Contract law requirements are also violated. The time allotted to investigate the alleged debt is beyond and the inaccuracies remain. Please remove the incorrect information from my consumer report. They are beyond the investigation period and they are inaccurate. 
Did XXXXXXXX XXXX XXXXXXXX  do their due diligence upon attempting to collect an alleged debt according to 15 usc 6802? Clearly and conspicuously disclosure to a consumer amongst other obligations? No they did not. Please delete
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXr : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE ATTEMPTED NUMEROUS OF TIME TO HAVE HARD INQUIRES REMOVED THAT I DID NOT AUTHORIZE THAT ARE ON MY TRANSUNION REPORT. TRANSUNION STAFF CONTINUE TO IGNORE MY REQUEST AND HANG UP WHEN I ASK TO SPEAK WITH A SUPERVISOR. THIS COMPANY IS IN VIOLATION OF MY RIGHTS AND I AM AWARE THAT REPORTING FALSE INFORMATION ON A CONSUMERS CREDIT REPORT IS GROUND FOR REMEDY.
Product: Checking or savings account

On XX/XX/2023 I tried making a purchase with cash back at XXXX XXXX. Unbeknownst to me, there was an outage on XXXX end, where the app was completely unusable. I made the transaction but on my end, it denied, so i tried a few more times. At this point, You can see multiple declined transactions on my end but nothing went through. I was able to refresh my app about XXXX minutes later and my money was GONE. {$51.00} GONE. it said the transaction went through but on my end i got NOTHING, DENIED TRANSACTIONS. Cashapp is WELL AWARE of the app being down at that date and time. I disputed this transaction XXXX TIMES, tried contacting support several times and i am getting NO WHERE. This was an issue on XXXX end, not XXXX, nothing else.
Product: Checking or savings account

My Debit Card was stolen in the parking lot of XXXX on XX/XX/2023. I contacted the bank immediately because of the notifications received from the bank alerting my husband that my card was used to purchase something at XXXX XXXX. I called Chase Manhattan bank immediately to report the fraud and the fact that my debit card had been stolen. I contacted the police department and he was able to obtain footage of the crime in the parking lot of XXXX. I picked up the police report and faxed the document to Chase Manhattan banks claim department. I received a credit from Chase Bank in the amount of {$5800.00} on XX/XX/XXXX, XXXX for the purchase at XXXX XXXX. I had also notified Chase of an additional withdrawal taken at the ATM from Chase bank in the amount of {$980.00} prior to the purchase at XXXX XXXX. I received a letter from Chase Bank dated XX/XX/2023 stating that I am responsible for those charges because my Pin was used. The bank disregarded the police report and did not ask for the footage of the crime clearly showing the theft in progress.
Product: Bank account or service

I live in XXXX Utah and today I went to the Chase branch of XXXX to open a new account. I already have an account with another bank but I 'm planning to move where they have no branch of my current bank so I decided make a new account that is across the states. 

XXXX helped me to set up my account and he was really nice an did a great job on going through everything I needed to know which included depositing cash on ATM machine. 

The account I made had a condition where I do not have to pay any service fee if I maintain daily balance of {$5000.00}. I was planning to close my other bank account so I thought I might as well deposit more because I can. 

I withdrew {$10000.00} from a XXXX branch by XXXX, and I brought it back to the chase branch only to find out there are many people in line. So I decided to use the ATM machine right outside of the branch to deposit my {$10000.00}. Apparently, the ATM machine only accepts up to XXXX bills per transaction. The first {$5000.00} went in ok. However, during my second transaction, XXXX of the rubber band that was there to hold to bills was not removed all the way and then the machine displayed an error message and took my second {$5000.00} with it. It printed a receipt saying that the second transaction did not go through. Straight away, I told someone that looks like the manager and XXXX about this. XXXX told me that he will put a claim. 

Later at home I was really worried because I 'm still a XXXX working XXXX and {$5000.00} is a huge money for me. I called the bank customer service and they told me it is under investigation and they do n't know what will happen but that there is nothing I can do for now but wait. But then, I found several articles that there are several incidents that Chase ATM takes the money and customers not being able to claim their money back after investigation. That got me very worried and I decided to file this complaint. I understand that the rubber band slipped in there but it was an honest mistake and I did not mean any harm.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have discovered inaccurate information on my credit report. The report is in my name XXXX XXXX and my Social Security number is XXXX. This Company XXXX XXXX XXXX is violating Bankruptcy Code and Court Orders! The way that it is listed is also a violation of the Automatic Stay. Remove immediately. I also did not file a XXXX  XXXX bankruptcy with the courts. When I spoke with the court clerk, they did not have records. Please provide the contact information of the 3rd party data furnisher that provided you as the credit reporting agency with this misinformation so I may contact them directly, otherwise DELETE this from my report. Bankruptcy XXXX XXXX XX/XX/20XXXX XXXXDischarged
Product: Checking or savings account

I am trying to link my PNC account to my XXXX  account so I can begin to save some money. In case of another pandemic in the future, and pnc will not let me link my account.
Product: Money transfer, virtual currency, or money service

XX/XX/XXXX bank account was compromised and XXXX transaction made. Dispute made in person at my Regions Bank branch. Transaction posted XX/XX/XXXX. Letter received dated XX/XX/XXXX stating transaction did not post, but it DID post. Had to call, ( XX/XX/XXXX ) resubmit again, was told to wait up to 10 business days plus mail time. Called again XX/XX/XXXX, was told information was incorrect. Resubmitted AGAIN, no response. Called today XX/XX/XXXX, was told XXXX had closed dispute and had to deal with Regions to start over. Regions CSR could not assist and was transferred to XXXX side again where I was placed on hold after a short conversation and disconnected. The elapsed time was over 35 minutes and the phone prompts would not let me proceed because offices were now closed. I have now spoken to 7 people regarding this and have over 2 hours on the phone either holding or speaking to someone. The level of incompetence is staggering. Please advise.
Product: Checking or savings account

Marcus had both of my accounts frozen and landlord payment bounced caused fees in the amount of {$60.00} and Marcus only returned {$25.00} Marcus still owes me {$35.00}.
Product: Mortgage

supporting documents for case # XXXX and # XXXX. 
In the attached documents they prove my wife was XXXX XXXX. Included is our marriage license. XXXX XXXX committed ID theft and forged my signature. Her actual name is XXXX XXXX. It is how they hid the loan documents from me. I made SPS aware of this and with the police report and they are continuing to defend the fraudulent loan. look at the dates. My marriage Cert is XX/XX/XXXX. XXXX XXXX Fraudulent faxed letter is XX/XX/XXXX. A clear pattern established of forged documents and ID theft and the bank is denying it. I demand an investigation into the origins of this loan. Please assign me an investigator. I am waiting on the DA and Federal Attorney to do there job but see a civil case as my rights have been violated civilly. Thank You XXXX XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Louisiana SS # : XXXX Date of Birth : XX/XX/XXXX Subject : Urgent : Addressing Fair Credit Reporting Act ( FCRA ) Violations in My Credit Report Dear Equifax, I hope this message finds you well. I am writing to urgently address critical discrepancies found in my credit report that blatantly disregard the regulations stipulated in the Fair Credit Reporting Act ( FCRA ). Unfortunately, persistent errors remain in my credit profile, indicating a significant oversight of FCRA compliance within your agency. 

To clarify : The Fair Credit Reporting Act stands as a pivotal federal statute governing the precise collection and reporting of consumer credit information. Its mandate is to ensure accurate acquisition, retention, and disclosure of a consumer 's credit data, thereby upholding transparency and fairness in credit reporting practices. 

Instances of FCRA violations identified include : Inaccurate financial data provided by creditors to reporting agencies. 
Merging of individuals ' information based on similarities in names or social security numbers by agencies. 
Neglect of prescribed dispute-handling protocols. 
Under the Fair Credit Reporting Act, I hold specific entitlements, including : The right to verify the accuracy of my report, especially concerning employment purposes. 
Notification if information in my file has been used against me in credit applications or other transactions. 
The authority to dispute and request bureaus to rectify and remove incomplete, erroneous, or unverifiable data. 
Removal of outdated negative information within the prescribed time frames. 
I formally request the immediate rectification of the listed items below. These items starkly violate FCRA standards due to inaccuracies, lack of verification, and sustained invalidation. Their existence has caused significant distress, notably affecting my recent credit application, which was denied due to errors originating from your agency. 
1. XXXX XXXX Account Number : XXXX I was never late on this account. Please remove those late payments. 

I anticipate swift and comprehensive action to address these violations within the FCRA 's mandated timeframe. Should compliance falter, I will unfortunately have no alternative but to seek legal redress to ensure my rights under the FCRA are fully respected. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  hasnt updated my report since XX/XX/2020, I paid off all my credit cards in XXXX and they still showing balances. XXXX  is still reporting fraudulent information and addresses that do not belong to me and have yet to provide validation of the fraudulent accounts and addresses that were removed a placed back by XXXX. They are hindering me from my home buying process. They refuse to remove the addresses stating they are attached to accounts and Ive called all my creditors and they have and been reporting my current address. XXXX  has replaced fraudulent accounts that were removed on my account without validation or contracts. Below Ive attached info from XXXX  showing its fraudulent and not me it clearly shows someone elses name, ID, social, and address. Ive been fighting this account for 4 yrs even tho I have proof it doesnt belong to me. 

Experian refuses to remove fraudulent addresses and accounts and refuse to show validation. Ive been fighting with this company for months sent info requested and still no removal. Experian also claims the fraudulent addresses are attached to open accounts and thats not true Ive called all my creditors and they have no knowledge of the addresses on my credit file and are reporting my current address. They are also hindering me from closing on my home. Experian has replaced fraudulent accounts that were removed on my account without validation or contracts. 

I cant and wont receive any mail at the fraudulent addresses XXXX  and Experian have on file.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are several bankruptcy on my credit however This is impossible I filed a XXXX XXXXXXXX and something got miss they made me correct and refile and after all of that it was the wrong jurisdiction so they dismissed it and made me file in a total different State City and County I got a full discharge XX/XX/2018 I did give the courts or any bureau to publish my bankruptcy as many times as they did due to lack of knowledge from court. It is clear you can only have one or the other and you get one every 8 years. The one in Ohio is accurate the rest are not. please correct my file immediately. lthough I continued to get wrong information I did not even qaulify for a XXXX XXXX I did not meet the guidelines which was not very clear due to they had just change the law a few year prior to. 
This is what FRA says In accordance with the Fair Credit Reporting act 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 All is not reporting all my information correctly I know my cards report to all the credit agencies and you have missing information please update my file with the current address as well as the missing reports from my creditors and all those inquires need to be removed I did not allow my credit to be ran XXXX times or so and there is missing information on a couple of accts I do not know whom they are but need to be deleted I have been disputing these and you continue to leave them on my credit profile with no contact info or whom the original creditor was and I was not notified I don't who this is I have a common name and this is not mine
Product: Student loan

XXXX Email was received from ECMC, who has already been placed under severe restrictions regarding their previous illegal harassment of lendees such as myself They state my acct is 60 days past due with XXXX, even though XXXX has shut down and handed over all loans to XXXX Whats more, your site 's security appears compromised, my password did not work, although when I tried to use it for a new password when starting the password change process, it stated the " old password '' could not be used. 

It stated the password had already been changed, TODAY.
Product: Credit reporting or other personal consumer reports

As per the guidance from the XXXX XXXX XXXX ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXXXXXX XXXX XXXX, which falls under XXXX according to XXXX XXXX Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within 4 business days pursuant to section 605c of the Fair Credit Reporting Act. I am a XXXX XXXX XXXX XXXX XXXX XXXX and would like for all listed accounts to be blocked and deleted company information with XXXX, XXXX and XXXX. Please delete the following accounts. XXXX XXXX  {$3300.00}, XXXX XXXX XXXX {$12000.00}, XXXX XXXX XXXX {$10000.00}, XXXX XXXX {$560.00}
Product: Credit reporting or other personal consumer reports

I have recently discovered that there is unauthorized intormation in my name being used on my credit reports and would like to file a dispute. This information is unauthorized, and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. l have reported the theft of my identity to the Federal Trade Commission 's Identity Thett Affidavit in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible.
Product: Debt collection

Our bankruptcy  was discharged  in   XXXX     which included a mortgage on a home. Original holder was  XXXX , which was bi=ought by    XXXX   XXXX   XXXX     XXXX   then s pun off to various other entities. We are dealing with Ditech Financial LLC. We have advised them numerous times over the past 7 years that the property was foreclosed upon by the property management firm,  XXXX  of  XXXX   XXXX , Florida. The house was sold by them.  <P/> We constantly receive mailings and phone calls from persons who do not give their names a t Ditech. We explain what ha ppened, are promised that the file will be closed, but they STILL send notices and call us. They say they are not attempting to collect, however, they are looking for a payment in excess of {$150000.00}!  <P/> We do not want to take the step of retaining an attorney and suing for harassment, etc., but what other recourse do they leave us?  <P/>  The Ditech ac count number referenced is  XXXX
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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries.

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.
Product: Mortgage

My FHA mortgage loan is currently serviced by Chase Bank. Since I am elderly and very sick, I have advised Chase Bank that I want to proceed with a short sale. Chase Bank has refused to process my short sale documents, stating that they are going to proceed with foreclosure on XX/XX/XXXX. Chase Bank is clearly trying to over collect on the amount due, so they can push the bill to the FHA for payment. I have applied for a loan modification on numerous occasions and Chase Bank has refused to submit the modification requests for underwriting to the FHA. Since the FHA is the investor and insures the loan, they would be issuing a partial claim to help fund the loan modification. Since the FHA is unaware of the partial claim, they were clearly in the dark on the loan modification process. Chase Bank is in clear violation of the False Claims Act ( FCA ), 31 USC 3729 - 3733, since they knowingly withheld information and reported false records to a Federal Government Agency. Chase Bank also has an obligation to process the short sale with transparency and clarity per the National Mortgage Settlement of XXXX. Chase Bank has refused to cooperate and is proceeding with foreclosure action on XX/XX/XXXX.  Based on the violations listed herein, I am seeking your assistance on this matter. You can reach me at XXXX or XXXX.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I sent XXXX, XXXX, and Transunion a dispute about some on my account that have been defaming my character and causing me financial hardships due to the reporting. It has been over XXXX days and they have yet to correct this issue
Product: Credit reporting or other personal consumer reports

Consumer Reporting Agencies have assumed a vital role in assembling and evaluating consumer credit while knowing there is a need to insure they exercise their grave responsibilities with fairness, impartiality, and a RESPECT for the consumers RIGHT TO PRIVACY. 
The banking system is dependent upon fair and accurate credit reporting, and these unfair credit reporting methods undermine my public confidence which is essential to the banking system. 
I never gave my expressed, written consent for these consumer reporting agencies to report my information, which violated 15 U.S. Code 1681b ( 2 ) and this leads to an alleged identity theft, which is a violation of 15 U.S. Code 1681c-2. These accounts are not related to any transactions made by me, the consumer