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

They closed my account 5 years ago and they don't tell me why and I need to have an account.
Product: Credit reporting, credit repair services, or other personal consumer reports

This concerns the very recent Equifax breach. Using a tool on their site, they stated to me that they believe my information has been compromised and I fear that my SSN, date of birth, and other personal details are now essentially public information. I am disappointed and afraid that Equifax has lost my information to outside parties due to this breach.
Product: Debt collection

XX/XX/2020. I received a debt collection notice from Hunter/Warfield Corp., ( XXXX XXXX XXXX XXXX, XXXX, Fl XXXX ), a collection agency, on behalf of XXXX XXXX XXXX, XXXX Evidently, ( from Web search ) this is a property management company in XXXX , NC , demanding payment of {$1700.00}. 
I sent a letter ( XX/XX/2020 ), to Hunter Warfield indicating that this was most likely a fraud using my name and address. I asked for validating information : date and location of debt, copy of original transaction, and method of verification used by XXXX XXXX to verify the person 's identity, and other information validating this transaction. 
On XX/XX/XXXX, I received a letter from Hunter Warfield dated  XX/XX/2020 acknowledging receipt my letter, not complying with any of my validation requests. Instead, Hunter Warfield asked me for personal identification and any " supporting evidence of my claim of fraud. '' I have not complied with their request. 
This activity does not appear on my credit since I regularly keep all my reports frozen with all three reporting agencies. 
Last, and most important, I have never done any business, or had any business contact with either of the aforementioned companies until Hunter Warfield 's letter to me.
Product: Credit card or prepaid card

Went to XXXX 's location at XXXX XXXX last XX/XX/XXXX - Was looking for XXXX but got lost - Was looking for a cheap food-processor - Effectively found one on a table with a sign " ON SALE " for {$36.00} - Asked a clerk from another department if the price was right and she said " Yes " - Then she asked me if I wanted to sign up for a membership card? I said yes! She told me that I 'd receive a letter home in few weeks - She never told me that it was a credit card from XXXX 's ... I paid the item with my debit card and few weeks later I receive a bill - Never received any physical card - Wrote XXXX 's last month telling them about the issue - Called a XXXX number but it did not work - Then last week after a XXXX number called me I called back then a gentleman was explaining to me that I can ask for a new card or have an Ecard sent to me - I told him I 'm not working right now, how in the world I 'd get involved in debts? It does not make sense - I do not need XXXX 's credit card - Then he suggested me to inquire about my rights which I did asking my bank for help - They suggested me to file a complaint and then I searched your number guys - Do not know the difference between the Account number and the Card number - Never received any card number
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with fair credit reporting act the list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC1681 US Bankruptcy court ID # XXXX, has violated my rights. 
XXXX XXXX # XXXX, has violated my rights. 
XXXX XXXX XXXX # XXXX, has violated my rights. 
XXXX XXXX # XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX XXXX, has violated my rights. 
XXXX XXXX # XXXX, has violated my right. 
XXXX XXXX # XXXX, has violated my rights. 
XXXX XXXX XXXX # XXXX, has violated my rights. 

15 U.S.C 1681 Section 602A. States I have right to privacy.

15 U.S.C. 1581 Section 604 A Section 2 : It also states a consumer reporting agency can not reporting 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 items of information, other than records of convictions of crime which antedates the report by more than seven years.

15 U.S.C. 1681 S-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: Credit reporting, credit repair services, or other personal consumer reports

This complaint submission is in regards to a false credit report by Chex Systems Inc XXXX XXXX XXXX, XXXX XXXX XXXX, MN XXXX. I have made attempts to rectify this matter with them directly beginning on XX/XX/2022. I spoke with a few representatives who were all extremely rude and refused to give me any information regarding this alleged debt. There has been several letters sent to Chex Systems Inc via certified mail which I requested the company to provide proof bearing my signature, showing that I have a legal obligation to this allege debt. As of today 's date, they continue to not comply and are illegally reporting inaccurate information. 

On XX/XX/2022 another letter was sent in regards to the report listed on file with Chex Systems Inc. A response letter was mailed back to me, still none of which legally verified the allege debt. They continue to send the same response as they have proven that this debt is not valid, due to the company failing to provide efficient legal judgement. After 30 days of notifying them, still no response from the company once again. Chex Systems Inc has not provided any significant evidence indicating proof that this debt is mine. ( Company 's Response also attached with this complaint ). At this point in time, Chex Systems Inc has failed to provide any proof of debt and/or anything in signature or judgment by law, stating I was obligated to pay the debt or legal owner of it. I have never made any agreement with them or with the original bank/creditor to pay anything nor was I properly notified of this false reported debt. After several attempts to rectify this matter, I am firmly requesting Chex Systems Inc immediately remove me from their systems and confirmation of this action is provided. 

Chex Systems Inc has failed to honor the law nor provide any competent evidence or any legal obligation. Chex Systems Inc is currently in violation of the Fair Debt Collections Practice Act, 15 USC 1692g, and if this report is not updated immediately I will be taking legal actions. I will be seeking a minimum of {$5000.00} in damages for each of the following : XXXX. ) Defamation XXXX. ) Negligent Enablement of Identity Fraud XXXX. ) Violation of the Fair Credit Reporting Act
Product: Money transfer, virtual currency, or money service

A check and cash was deposited on XX/XX/XXXX at XXXX. Deposit was placed on hold and visible in my bank account. Checked a few hours later and deposit had vanished. Visited another branch asking about the situation, teller then told me a XXXX was being put through. The original branch called XX/XX/XXXX and stated that the teller that handled my check gave my check back to me and claimed I had wanted it back. This is not true and I have the receipt from the deposit, but the branch is claiming that they have no record of this transaction. I checked with my employer that my check had indeed been cleared from his account and the money has been pulled out.
Product: Credit reporting or other personal consumer reports

In accordance with the FCRA Experian is in violation of 15 U.S. Code 1681, S-602 right to privacy and violation of 15 U.S. Code 1681B S-604A, C-2 and violation of 15 U.S. Code 1666 B. Regarding the XXXX XXXX  Noncompliance of The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681., FCBA-The Fair Credit Billing Act is a 1974 federal law enacted to protect consumers from unfair credit billing practices. It enables individuals to dispute unauthorized charges on their accounts and those for undelivered goods or services. FACTA The Fair and Accurate Transaction Act amends the Fair Credit Reporting Act ( FCRA ) to help consumers combat identity theft ; establish national standards for the regulation of consumer report information ; There are multiple violations that Experian is now responsible for. Privacy Violations-. Experian performed Unauthorized credit inquiries without my written authorization. A CRA can not release your credit report to anybody. They can only give them to authorized persons. CRAs may disclose your report only to persons or entities that have a valid need, such as : creditors, property owners, insurance providers, utility companies, and employers ( only if you previously consented ). 

Account name XXXX XXXX  Account number XXXX Account type Credit Card Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$5.00}, XXXX written off. {$5.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$5100.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment - Credit limit {$4300.00} Highest balance {$8000.00} Terms - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX days past due as XXXX XXXX XXXXXXXX  XXXX  days past due as of XX/XX/XXXX This account is scheduled to continue on record until XXXX XXXX. 

Balance history XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Additional info Between XX/XX/XXXX and XX/XX/XXXX, your credit limit/high balance was {$4300.00} Contact info Phone number ( XXXX ) XXXX Address XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Your statement Comment Current : Account closed at credit grantor 's request. 

Previous : Account closed at credit grantor 's request. 

XX/XX/XXXX Reinvestigation info This item was updated from our processing of your dispute in XX/XX/XXXX.
Product: Checking or savings account

I can't sign in my online banking since XXXX this year just because I tried to send XXXX dollars tomy friends. When I call the bank of America customer service. They said they can't solve that and I need to come to the bank counter. When I came into the bank. The manager said they can't unlock my account I need to call the customerf service and transfer to security department. When I contacted the security department. They said they also can't solve that. I need to come to bank!!! 
All these staff didn't help me and let me to find others? What should I do. I just want use my online banking. 

Bank of America tooooooooo bad
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a co signer on a car for my son, he filed a chapter XXXX Bankrutpcy and the full payments for the car is being made through the trustee. I spoke with American Credit Acceptance acct # XXXX and they advised me that even though they are getting paid it's their choice to report a late payment on my report. And I advised that the bankruptcy law does not say that they can still report on my credit report and the car is included in a chapter XXXX that is current. I asked them to removed the late fee that has been reported to my account and they refused. This is very unethical for a company to refuse to correct their mistake of trying to ruin someone credit, I am very upset that this company is allowed to do things like this and continue to be in business. taking advantage of people.This is double dipping. which is illegal.
Product: Checking or savings account

On XX/XX/2023, I mobile deposited a check for {$8000.00} ( to Keybank bc I currently live in NJ and dont have a branch close to me ) that I received from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX after completing an XXXX XXXX XXXX. This check was put under review on XX/XX/2023. I called KeyBank because I was unable to access ANY of my accounts with them and they said it was due to potential fraudulent activity ( the check ). For WEEKS I could not access any of my money, even after going to a branch XXXX WEEKS later and trying to resolve the issue, no one could seem to help me. Eventually I received letters in the mail ( after contacting Keybank on multiple occasions to check the status of the check ) stating that ALL of my accounts were being closed due to not following their policies. I called after receiving those letters and they told me they were sent out my mistake. No more than a XXXX weeks later I received checks in the mail with the remaining money from my accounts being CLOSED. They closed my accounts and sent me checks in the mail for my remaining balances, however they failed to send anything regarding the {$8000.00} check. After numerous phone calls, they initially told me that the funds were released and I would be able to take the check to my new bank and have it deposited ( since it was initially a mobile deposit I still had the check in my possession ) this sounded off to me but I did it anyway. A day later the check was rejected due to duplicate presentment ( obviously ). I then called Keybank again and they apologized for the inconvenience and told me they issued a new check for that amount that would be sent to my NJ address and I should receive it by XX/XX/XXXX. This check is still nowhere to be found. So I called again.. this time they informed me that the check was actually considered fraudulent and I would have to contact the place that issued me the check to get it resolved. I called XXXX XXXX XXXX that same day and they got back to me no later than a day stating that the check had in fact been cashed by KeyBank. I am at a loss of what to do moving forward.. this is a size-able amount of money being kept from me for whatever reason. 

I have emails from a lady i was working with at a branch proving all of this. As she was in contact with people from the fraud department as well trying to help me resolve this. 

Attaching emails
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 XXXXXXXX Account Number : XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

Refuses to provide me the original creditor 's information, which supports that XXXX XXXX has reaged the account to keep on credit reports. The time clock on the date the account FIRST went delinquent can not change no matter how many times a charged-off debt is purchased, transferred or sold to collection agency. Basically, the purge from date NEVER changes. The charged-off account can bounce from collection agency to collection agency but according to the FCRA, the debt can only be reported for 7 years from the date of first delinquency ( DOFD ). I am requesting the original creditor 's information again which I am entitled. It will validate when the accounts were opened and the payment history. I have never paid anything on the accounts because I have been XXXX over 10 years. The accounts are obsolete and if XXXX does not delete the obsolete accounts that they have reaged, I will be forced to retain legal representation against XXXX. Transunion and XXXX  are not requesting the original creditor 's info which supports the accounts are obsolete. I have requested a validation letter from both on numerous occasions and they have ignored and refused. After this. it will be an intent to sue. The credit bureaus has the authority to delete obsolete information ; however they are refusing to conduct a thorough investigation. They constantly send a generic response saying valid which is not true
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I received a credit inquiry from Transform Credit , Inc and a new address on my credit report : XXXX XXXX XXXX, XXXX, GA. This is my sister 's address and not mine. The report says that there was new address activity on my report which was this address. I tried to contact the company and they only texted me. I have also emailed them with no response. I am still unable to tell who attempted to use my credit. I have a credit inquiry and new address on my credit report that is not mine. I have frozen my credit reports and filed a police report but I need an investigation into this matter as I plan to press charges. Please assist me in this investigation if possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, my husband and I submitted an investigation request to Equifax. My husband received his response a couple of weeks ago like he should have, but I have yet to receive anything from Equifax. They were supposed to send me the results within 30 days, but they have not.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
2. Validate Account Account Number : XXXX Please remove it from my credit report. 
3. Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
4. Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Product: Credit reporting or other personal consumer reports

Im expressing extreme frustration and disgust with the inaccuracies and unauthorized inquiries found on their credit report. Ive gone through significant effort to identify and dispute these errors, citing specific violations of the Fair Credit Reporting Act ( FCRA ) and other relevant federal laws.

Key violations and demands : Incorrect personal information : Ive disputed the accuracy of their date of birth, name, previous addresses, and employers.

Unauthorized inquiries : Im disputing unauthorized inquiries from XXXX, XXXX XXXX, and XXXX of XXXX. 
Late payment disputes : Im challenging late payment entries on accounts with XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX citing a lack of proper notice. 
Debt validation requests : The consumer is demanding detailed validation of debts from XXXX XXXX XXXX, XXXX XXXX, and XXXXXXXX XXXX XXXX. 
Credit report corrections : Im requesting the removal of all inaccurate information from their credit report and is demanding that the credit reporting agencies comply with the FCRA 's investigation and correction requirements.

I have included specific references to relevant federal laws, such as 15 U.S.C. 1681i ( a ), to emphasize their legal rights and expectations. I will take legal action if my demands are not met.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have received several recent inquiries on my credit profile that I did not initiate. The credit reporting agencies did not protect my file by instructing the companies that i must be notified first before viewing my credit.    XXXX  Date of request  XXXX / XXXX / XXXX   XXXX   XXXX  Date of request  XXXX / XXXX / XXXX   XXXX   XXXX   XXXX   XXXX   Date of request  XXXX / XXXX / XXXX    XXXX   XXXX   XXXX   Date of request  XXXX / XXXX / XXXX   XXXX   XXXX  Date of request  XXXX / XXXX / XXXX   XXXX   XXXX   XXXX    XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX   XXXX   XXXX
Product: Credit card or prepaid card

I received a Chase Freedom Credit card in the mail with a $ XXXX credit limit. I never applied for this card. When I called Chase, they said the card application was opened on XX/XX/XXXX, however, they could not tell me by which means ( phone call or online application? ). I recently applied for a mortgage so I'm thinking someone took my indentity and opened this Chase card fraudulently. I suspect it was Chase but because I was applying for a mortgage, my credit report was pulled and there was alot of personal and financial info moving about which made me suseptible to fraud.
Product: Mortgage

I could no longer afford the {$4800.00} mortgage payments offered on my loan modification and I requested to short sale the home since I owe about {$990000.00} and it 's worth {$650000.00}. I wanted to move quickly and avoid foreclosure. The servicer, Nationstar, requested that my Realtor use XXXX auction to sell the property. My realtor acquiesced but Nationstar has instructed the auction company to see the home for {$860000.00} as the minimum opening bid. It received no bids at the first auction and now they set it up to go through a second round of bidding, at the exact same price. Needless to say that it is an exercise in futility. 

An exact replica and directly across the street sold for {$860000.00} and was completely remodeled. This home needs well over {$100000.00} in upgrades as well as a remediation work due to a fire and mold damage. There is also a broker water line that needs repair but it runs through XXXX feet of concrete which is a huge job. 

We have received offers and they range between {$580000.00} - {$640000.00} all from investors because it 's not for a first time owner. 

I just want to sell the home but I was told not to accept an offer and make these buyers who submitted offers go through the auction. 

This is a waste of time and my Realtor could 've already sold this home. The traditional short sale makes the listing realtor accept the highest and best offer and send it to the servicers for an approval. This auction is a complete waste of time and does not inform the consumer of the major issues with the home. They failed to put in the remediation work and major rehab work that is needed. They 're offering it as it were in fantastic shape, which puts me, the seller, in major liability for not disclosing the condition. 

My realtor has the correct disclosure information on the XXXX XXXX XXXX but the auction site makes no reference to actual condition. It is misleading and false. 

I want to be allowed to sell it as a regular short sale.
Product: Debt collection

Gold Key Credit Inc has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.