23daVinci/CFPB_Complaints huggingface dataset:
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or a 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 or other personal consumer reports

Fact, affiant is aware and has proof, XXXX XXXX  that XXXX XXXX XXXX XXXXXXXX XXXX, CHASE BANK XXXX XXXX XXXX XXXX knowingly and willfully violated 15 U.S. Code 6821 ( a ) ( 1 ) by making a false statement that they must report a consumer credit transaction to various consumer reporting agencies and reporting nonpublic information to various consumer reporting agencies that were derived from the consumer credit transactions initiated with XXXXXXXX XXXX XXXX XXXX XXXX XXXX CHASE BANK XXXX XXXX XXXX XXXX Fact, affiant is aware , and has proof, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  CHASE BANK XXXX XXXX XXXX XXXX knowingly and willfully violated 15 U.S. Code 6821 ( a ) ( 2 ) by stating they can share information regarding my consumer credit transaction to consumer reporting agencies. 

Fact, affiant is aware, and has proofXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX CHASE BANK XXXX XXXX XXXX XXXX knowingly and willfully violated 15 U.S. Code 6821 ( a ) ( 3 ) by providing information to financial institutions such as XXXX, XXXX and XXXX that contains false, fictitious and fraudulent statements or representations. 

Fact, affiant is aware, and has proofXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CHASE BANK XXXX XXXX XXXX XXXX knowingly and willfully violated 15 U.S. Code 6802 ( b ) ( 1 ) ( B ) due to the fact that the affiant was not given the opportunity to direct that my nonpublic personal information not be disclosed to nonaffiliated third parties before the nonpublic personal information was initially disclosed. 


Fact, affiant is aware, and has proof, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  CHASE BANK XXXX XXXX XXXX XXXX knowingly and willfully violated 15 U.S. Code 6802 ( b ) ( 1 ) ( C ) by not providing me with an explanation of how to exercise my nondisclosure option. 

Fact, affiant is aware, and has proof, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CHASE BANK XXXX XXXX XXXX XXXX knowingly and willfully committed a crime by violating 18 U.S. Code 1001 ( a ) ( XXXX ) by stating they can share information regarding my consumer credit transaction to consumer reporting agencies. 

Fact, affiant is aware, and has proofXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CHASE BANK XXXX XXXX XXXX XXXX knowingly and willfully committed a crime by violating 18 U.S. Code 1001 ( a ) ( 3 ) by providing information to financial institutions such as XXXX, XXXX and XXXX that contains false, fictitious and fraudulent statements or representations. 

Fact, affiant is aware that, XXXX XXXX XXXX XXXX XXXX XXXX CHASE BANK XXXX XXXX XXXX XXXX has at least 20 violations of title 15 U.S. Code 1692.

Fact, pursuant to 15 U.S. Code 1692k ( a ) ( 2 ) ( A ) affiant 's additional damages are {$1000.00} USD for each false and misleading statement and {$1000.00} USD per word written in fraudulent/abusive language Fact, affiant is aware that XXXX XXXX XXXX XXXX XXXX XXXX XXXX CHASE BANK XXXX XXXX XXXX XXXX has violated 20 different statutes under title containing over 120 fraudulent/abusive LANGUAGE & STATEMENTS 15 U.S. Code 1692 totaling the damages for all violations at {$120000.00}
Product: Mortgage

After a month of sending in paper work, taxes, Mortgage notes and passing credit requirements. 
I was in the last process of being approved for a home equity line of credit through US BankXXXX 
Then under writing discovered that in 2008 my mortgage had been motified, through the HARP program. This program was designed to bailout the banks and help refinance the struggling homeowners, at a fair and reasonable rate. Since my homeloan was through XXXX XXXX, XXXX XXXX & I was indeed struggling to keep my home, I qualified. 
Now 12 years later, USBANK rejected my application and said I no longer qualified to receive a Home equity loan. They stated bank policy, states, no home equity loan, could be given on a mortgage that had been motified, due to financial hardship. 
I read my HARP agreement & no where does it state that I would lose my right to utilize any future equity in my home, for as long as I held this HARP mortgage. 
The 2008 housing market crash, left me victim to almost losing my house. 
Now 12 years later, because I participated in this program I am being discriminated against. 
I feel this is an unfair lending practice & wish to not only complain, but find out how many other people have been denied the right to utilize their equity, by USBANK or any other lending institution. 
If I had filed bankruptcy I could of kept my home & it would of fallen off my credit in 7 years. 
I chose to instead, to work with the banks, pay what I owe, stand strong & build my life again. 
I would like this situation investigated, if not for myself, then for all the other people in my position, who did not realize they were or would be discriminated against. 
I should not have to refinance my home in order to use its equity.
Product: Credit reporting or other personal consumer reports

XXXX In accordance with the Fair Credit Reporting act XXXX Account name, XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

there are 4 inquires on my credit profile that i do not recognize, i have contacted XXXX 4 times now about it and it still is showing on my profile. these inquiries are XXXX XXXX XXXX ( Bank ) XX/XX/2023 XXXX XXXX ( Finance ) XX/XX/2023 XXXX XXXX XXXX ( Auto ) XX/XX/2023 XXXX  XXXX ( Bank ) XX/XX/2023 I never attempted to get these accounts.
Product: Credit reporting or other personal consumer reports

PLEASE REMOVE ALL ACCOUNTS! AS PER THE GUIDANCE FROM CFPB THE DOCUMENT NEEDED AS A LETTER FROM THE ADVOCACY GROUP HELPING ME DUE TO HUMAN TRAFFICKING-DEBT FINAL RULE 1002.142 ( B ) ( 4 ) -5-1002.142 ( B ) ( 7 ), I KINDLY REQUEST THAT YOU BLOCK ALL INFORMATION FROM MY CREDIT REPORT WITHIN 4 BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. I AM A VICTIM OF XXXX XXXX  OF DEBT BONDAGE AND WOULD LIKE FOR ALL LISTED ACCOUNTS TO BE BLOCKED AND DELETED FROM CREDIT REPORT! PLEASE DELETE THE FOLLOWING ACCOUNTS XXXX  XXXX {$3600.00} XXXX XXXX  XXXX {$2000.00} XXXX {$570.00} XXXX  {$3300.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of identity theft and I request again to block or remove the information in my credit file resulted from an alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items. Also, the information you provided on some items is UNKNOWN to me a and REMOVED from other bureaus and I have doubts in their accuracy. Here are the list of fraudulent Items : XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX : {$74000.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance XXXX {$5200.00} XXXX XXXX  XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX Balance : {$25000.00} XXXX XXXX  ( XXXX Creditor : XXXX XXXX ) XXXX Balance : {$260.00} ; XXXX XXXXXXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$5100.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$70000.00} XXXX XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX
Product: Mortgage

I filed a Ch XXXX in 2004. I did not reaffirm my debt with Regions Mortgage. But, in violation of the Bankruptcy Stay, Regions reported that I missed XXXX payments after the bankruptcy. Then Regions transferred the property to XXXX Mortgage who wrongfully reported that I missed XXXX payments.
Product: Money transfer, virtual currency, or money service

From XX/XX/XXXX-XX/XX/XXXX of 2019, I was overcharged by Venmo for unauthorized charges. I have attempted to contact Venmo on multiple occasions. I have filled disputes with them, and they have denied the claims. In their last email response to me on XX/XX/XXXX, they stated " After re-investigating the account, we are still unable to honor this claim because when you first filed this claim, you stated the transactions were unauthorized and you did not authorize any of these payments to the merchant and also had your debit card closed and answered the questionnaire for unauthorized transactions. These are steps that are taken anytime an unauthorized transaction is reported. Now you are stating the transactions were authorized but have since either been canceled or you have not received the items. Based on the inconsistent information provided throughout this case, we are still unable to honor this claim. '' They are refusing to fully investigate my claim because they are stating that I changed my story/reason for the overcharges. This is not accurate. The Venmo represented who filed the claim, after listening to me explain what happened, suggested that I frame the claim that way. I did only what the Venmo representative suggested. Further, when I called back to Venmo, the agent stated that " I do not know why the denied the claim. It seems they coded it wrong in the system, I will send them a note. '' A day letter, they denied the claim again. 

This issue started when I got a Venmo debit card. The way the card works, if I charge on the card {$18.00} for gas, Venmo will round up and take {$20.00} out of your account and put the balance in your Venmo balance. 

BetweenXX/XX/XXXX-XX/XX/XXXX, I used the card extensively to track my business purchases ( at least 500 transactions, if not more ). When I used the card to book rideshare rides with ( XXXX, XXXX, XXXX ) those merchants pre-authorize your card for the estimated cost. So if I booked a ride with XXXX, they would say the cost is going to be {$6.00} and they would preauthorize this on the card. Venmo would then take {$10.00} out of my account immediately. However, if I canceled the ride or didn't take the ride for some reason, the money has already been pulled out of my account, but it wasn't put back into the wallet. 

THis happened to me on numerous occasions. I documented all of the times I was overcharged and attempted to file a claim for reimbursement. As of today, I can not use my Venmo card and I owe them for the provisional credits that they gave me. 



Their team has been incredibly unhelpful, and I need your assistance.
Product: Mortgage

Wells Fargo Mortgage offered me a Mortgage XXXX XXXX. Wells Fargo Mortgage modification stated I pay XXXX  % moving forward, I declined at the time my interest rate was XXXX %. Wells Fargo Mortgage told me my state was helping homeowners become current with their mortgages. The name of the company was ( XXXX ) XXXX XXXX XXXX. I applied was approved for mortgage assistance as well my HOA. The XXXX underwriting department called me XX/XX/XXXX. They said Wells Fargo rejected their payment in the amount of XXXX. The underwriters from XXXX sent a lawyer a payment for my HOA instead. They accepted their payment immediately. Once the payment cleared for my XXXX, XX/XX/XXXX I was told by XXXX underwriter XXXX not to worry everything was paid. Wells Fargo Stated to me my state never contacted them no one time. They refused funds after I followed everything they told me to. I have lived here since XXXX. My mortgage balance is {$71000.00} my home is worth {$300000.00}.
Product: Consumer Loan

Sears XXXX XXXX XXXX XXXX keeps advertising Appliance Discounts as much as XXXX or 40-50 % off if you use " THE CARD '' It does not say SEARS Credit Card, it simply says " The Card ''. Sears also has a Save with Sears points card that we have. Purchases at Sears or XXXX count and add up over time to spendable currency. We went to our XXXX Sears XXXX here in XXXX, West Virginia. Immediately I asked if I could use my discount card and the awnser was NO. We had to have a Sears Credit Card. We applied and were DENIED. I am XXXX and bring home a little over XXXX a year, my Husband is a XXXX XXXX for the XXXX he brings home a little over XXXX after 21 years. We did have a Bankruptcy, brought on when I became XXXX. My company terminated me. I went from XXXX to 2 years later a little over XXXX. 

Here is my Complaint : " IS IT NOT DECEPTIVE to simply keep saying " WITH USE OF THE CARD '' which could be your points card, a Visa, MasterCard Etc, but repeatedly with every item, it states " with use of the CARD ''. No where does it define " The Card '' as a " Sears Revolving Credit Card ''. We get these hand bills over and over and over and over its the same language. 

I ask that you site them for DECEPTIVE and False Advertising as they should be saying with the " USE OF A SEARS Credit Card Only ''. Its humiliating to apply in a public place, declined and told well sorry thats the only way you can get it for that price. 

The Public should be informed and provided with directions on how to apply from home so they can be spared the humiliation of being turned down at a cash registered where other customers not only here that your turned down but all your PRIVATE Information, such as Social Security numbers, Dates of birth and Income, Employer etc.
Product: Credit reporting, credit repair services, or other personal consumer reports

In 2019 I interviewed a girl named XXXX XXXX for a possible part time roommate for a friend of mine. She preceded to move in with this friend and stole my Identity. At the time my purse, Id, clothes, jewelry, birth certificate, and car went missing. Also credit cards, checks and merchandise adding up to over {$10000.00}. Ive reported to all agencies including a police report, IRS and credit bureaus. So Im finally repeating this last time to you all. I was made aware of this in 2019 when my credit score was abruptly taken down.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate you making the effort to delete and repair some of the data on my credit report, but there are still some items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
XXXX XXXX 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
Product: Credit reporting or other personal consumer reports

When I went to XXXX to open an additional checking account they wouldnt because they claimed that the credit report said I had a closed account somewhere on which I still owed money The credit report from chexsystems does not show any closed account with a owed balance on it
Product: Credit reporting, credit repair services, 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 XXXXXXXX - {$0.00} XXXX XXXX - {$5800.00} XXXX XXXX - {$2700.00} XXXX XXXX XXXX - {$290.00} XXXX XXXX XXXX XXXX - {$210.00} XXXX XXXX XXXX XXXX - {$78.00} XXXX XXXX XXXX XXXX - {$1500.00} - all XXXX XXXX XXXX XXXX - {$4200.00} XXXX XXXX XXXX - {$1600.00} 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 of 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

Due to the lost of my identification a couple of years ago, my identity has been seriously compromised and all of these fraudulent inquires I'm demanding to be removed immediately for this is hindering me and is a strain on my true credit worthiness. 

Please remove the following fraudulent inquiries. 

1 ) XXXX XXXX XXXX ( XX/XX/XXXX ) ( XX/XX/XXXX ) 2 ) XXXX XXXX ( XX/XX/XXXX ) 3 ) XXXX XXXX ( XX/XX/XXXX ) 4 ) XXXX XXXX XXXX ( XX/XX/XXXX ) 5 ) XXXX XXXX  ( XX/XX/XXXX ) 6 ) XXXX XXXX   ( XX/XX/XXXX ) 7 ) XXXX XXXX ( XX/XX/XXXX ) 8 ) US Dept of EDU (XX/XX/XXXX ) 9 ) XXXX XXXX ( XX/XX/XXXX ) XXXX/XXXX ( XX/XX/XXXX ) 11 ) XXXX XXXX ( XX/XX/XXXX ) 12 ) XXXX XXXX ( XX/XX/XXXX ) 13 ) XXXX XXXX ( XX/XX/XXXX ) 14 ) XXXX ( XX/XX/XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

I never gave any written consent to report anything on my consumer report. No consent is identity theft.
Product: Credit reporting or other personal consumer reports

I sent a dispute to the major credit bureaus disputing the inaccurate information on my credit report regarding XXXX credit card, account number XXXX. 

Despite the clarity and detail provided in the Credit Bureau Dispute, the Account continued to appear on my consumer report with inaccurate information.

Upon information and belief, the credit bureaus forwarded my Dispute to XXXX. 

Upon information and belief, XXXX received notification of my credit bureau dispute. 

XXXX did not conduct an investigation, contact myself, contact thirdparties, or review underlying Account information with respect to the disputed information and the accuracy of the XXXX Account. 

Upon information and belief, XXXX failed to instruct the credit bureaus to remove the false information regarding the XXXX Account reporting on my consumer report. 

The credit bureaus did not conduct an investigation, contact myself, contact third parties, or review underlying account information with respect to the disputed information and the accuracy of the XXXX XXXX Account. 

The credit bureaus employed an investigation process that was not reasonable and did not remove the false information regarding the Account identified in my Dispute.

At no point after receiving the Credit Bureau Disputes did XXXX and/or the credit bureaus communicate with me to determine the veracity and extent of my disputes.

The credit bureaus relied on its own judgment and the information provided to them by Barlcays rather than grant credence to the information provided by myself.

The credit bureaus published the false information regarding the XXXX Accounts to third parties.
Product: Credit reporting, credit repair services, or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to correct and update the items which are erroneous and unverified.Their unfavorable and unacceptable actions have been hurting my credit scores immensely.Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 reporting, credit repair services, or other personal consumer reports

To whom it  may  concern : I am disputing a late payment that was reported by  USAA Savings Bank  back in  XXXX -2016, Credit Card number :  XXXX  ( I believe the bill was for  XXXX  2016  ). The reason for the dispute is because I did not receive a bill at the time when my credit card was charged due to moving in  XXXX  2016  from  XXXX   XXXX   XXXX   XXXX , Texas  XXXX  to  XXXX   XXXX   XXXX   XXXX , Texas  XXXX .     Furthermore, when I finally received a bill forwarded from my old address in late  XXXX -2016, I immediately notifi ed USAA of my new address where I then paid bill in full. I then escalated matter with USAAs management team where they updated my new address in their database. While speaking to a USAA manager, I then asked if they contact their credit cardholders when a bill is late and she advised they do not call cardholders for late payments. The manager explained that it was my responsibility to notify USAA when I moved and I advised that I just had moved and was going to notify USAA but was busy  moving. Additionally, I told her that I did n't even know that I had a bill outstanding as the company that charged my card had my account number.     It is also important to note that prior to this late payment being reported by  USAA, my credit score was i n between  XXXX , which is a perfec t credit score rating t hat has taken my entire life to earn for being a responsible person who pays their bills on time. Since then, my score has substantially dropped by over  XXXX   XXXX  points due to USAA not notifying me of the past due bill.     Enclosed, please find a copy of my lease from when my lease was executed in  XX/XX/XXXX 2016. However, I did not move into my new address until late XX/XX/XXXX  Any further questions, please feel free to give me a call.     Yours truly,  XXXX   XXXX   XXXX   XXXX   XXXX  Email :  XXXX  XXXX  XXXX