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 federal protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. State I have the right to privacy.

15 U.S.C 1681 section 604 A section 2. It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) 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 1681 section 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

In accordance with the Fair Credit Reporting Act, XXXX Account # XXXX, Midland Credit Management has volated my rights. Under 15 USC section 1681 section 602 states that I have the right to privacy.

15 USC Section 1681, section 604A, section 2, states that a Consumer Reporting Agency can not furnish an account without written instructiions.

15 USC Section 1666B states that a creitor may nog treat a payment on a credit card account under an open end consumer credit plan as latre for any purpose.
Product: Money transfer, virtual currency, or money service

Basically, what happened to me was a check scam. The incident began on XX/XX/year>, when the scammer XXXX XXXX first sent a group email to all XXXX physics graduate students to inquire about our interest in being a tutor for his daughter XXXX. Unfortunately, I replied to his email and that's when all the nightmare started. To get the trust and sympathy from me, the scammer XXXX XXXX fabricated the whole story of his miserable family. He claimed that he was a single father and that both his cousin and his daughter XXXX lived off him. He perfectly disguised his real intention at the very beginning to discuss the details of the tutor classes, including the fees ( {$50.00} per hour ), duration ( XXXX weeks ), background knowledge required ( maths ), place ( XXXX XXXX ) and method ( online or in-person ) to teach his daughter, etc. Then, at some point, he suddenly asked me if he could first send a check with a large amount to me via mail and let me return the rest of the amount to him when the class began. Although I clearly told him not to do so, he still sent me a {$3000.00} check money on XX/XX/year> when I didn't realize that this check was a fake one ( this was the first time in my life that I had ever deposited a check, and I had no experience to identify a fake check ). He asked me to deposit that check into my checking account, but obviously, this check was placed on hold by XXXX XXXX XXXXXXXX since it was fake. He first hypocritically said that this situation was out of his expectations, but it turned out that this was also one of his deception tactics. Shortly after I deposited the check, he begged me to first send him {$650.00} to reimburse his cousin and XXXX for their travel expenses back to XXXX XXXX because they were out of state at that time as he claimed. I easily agreed to lend the money to him because I naively thought no one would commit fraud in finding tutors with students. I used Zelle to make several transfers to the email addresses he provided, but only the {$150.00} transfer to XXXX XXXX ( which I suspect is a fake name ) on XX/XX/year> was successful. Other {$500.00} transfers were all experienced security reviews and were then rejected by Bank XXXX XXXX and XXXX Bank. He also asked me to make the {$500.00} transfer through XXXX. This transfer was near to success, but fortunately enough, I got notified on XX/XX/year> saying that the check I deposited was fake, and then I immediately cancelled the XXXX transfer. I further confirmed that XXXX XXXX was indeed a scammer because he never replied to my refund request after I finally realized that his check was fake. You may find more details of this check scam in the evidence documents attached to this letter, including the XXXX Complaint Referral Form and all the previous transfer receipts, emails, and messages with the scammer XXXX XXXX. I have also included my XXXX form issued by the XXXX Government XXXX prove my XXXX student status.
Product: Mortgage

I inherited a co-op from my grandfather and recently became appointed by probate to be executor. PHH mortgage are sending me bills every month because since it is a reverse mortgage the interest continues to build. The total now is approx {$280000.00}. This is an illegal loan and I brought this to the attention of PHH Mortgage. Their response was sending me the closing documents. The reason that this loan is illegal is because it was funded on XX/XX/XXXX when reverse mortgages on co-op units in New York were not permitted. It wasn't until legislation enacted in XX/XX/XXXX, effective XXXX XXXX, that such loans became legal in NY. My grandfather 's reverse mortgage was issued on XX/XX/XXXX. I would like this lien removed from the co-op and at the very least a settlement to pay the lender only the amount that was actually lent to my grandfather without the extra interest rate since the loan was and is not legal.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccuracies on my credit report related to identity theft. I submitted my initial dispute on XX/XX/XXXX, along with a Federal Trade Commission ( FTC ) Identity Theft Report and additional documentation supporting my claim. However, your agency has failed to meet its obligations under the Fair Credit Reporting Act ( FCRA ). 

Violations of the FCRA XXXXFailure to Conduct a Reasonable Investigation ( 15 U.S.C. XXXX ( a ) ( XXXX ) ) Under the FCRA, credit reporting agencies are required to conduct a reasonable investigation upon receiving a dispute. Despite providing a comprehensive FTC Identity Theft Report and detailed supporting evidence, I have not received confirmation of any substantive investigation into the disputed items. 
XXXXFailure to Notify Me of Investigation Results ( 15 U.S.C. XXXXi ( a ) ( 6 ) ) The FCRA mandates that consumers be notified of the results of an investigation within XXXX  days of submitting a dispute. To date, I have not received any such notification, nor have I been informed of the outcome of your review or the process by which my dispute was evaluated. 
XXXXFailure to Block Inaccurate Information Promptly ( 15 U.S.C. XXXX ) The FCRA requires credit reporting agencies to block information resulting from identity theft upon receipt of appropriate documentation, such as an FTC Identity Theft Report. This has not occurred in my case. 


Precedent Cases Supporting My Position Your failure to comply with FCRA requirements is not only a violation of my rights but also exposes your agency to liability, as demonstrated in precedent cases : XXXX XXXXXXXX TransUnion XXXX ( XXXX XXXX XXXX This case emphasized that credit reporting agencies have a duty to conduct reasonable investigations beyond relying on the data provided by furnishers. 
XXXX v. TransUnion LLC ( XXXX ) : The Supreme Court upheld consumer rights in disputes related to credit reporting inaccuracies, reinforcing the accountability of credit bureaus under the FCRA. 

Requested Resolution To resolve this matter, I demand the following actions : XXXXConduct a reasonable and thorough reinvestigation of the disputed accounts and transactions associated with my identity theft. 
XXXXProvide a detailed written summary of your investigation, including the steps taken and evidence reviewed. 
XXXX.Immediately block or remove all inaccurate information resulting from the identity theft. 

If this matter is not resolved promptly, I will have no choice but to escalate my complaint by filing with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and potentially pursuing legal remedies. 
XXXX CARD XXXX
Product: Credit reporting

This company said they would delete on numerous calls from numerous phone numbers but did n't, and they seem to be the type of company who does n't honor their own word since they did not take responsibility and delete as they said they would ( go figure ). Even with them not honoring their word, their are not reporting correctly. The balance for this account still shows {$310.00} dollars and as an active collection account on my credit profile. That was the balance when I made my settlement payment, and if we 're going to talk about accurate balances, it should show, in the least, a {$150.00} balance. With that said, it should reflect as a paid settlement with a XXXX balance. This is with XXXX XXXX XXXX and XXXX XXXX. I wrote a much longer complaint but my web page was somehow redirected to the previous page right before hitting the submit button. I blame it on my unsteady fingers, but I took the time to write another smaller complaint because this is not fair to me as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX Account # 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: Checking or savings account

on the XX/XX/2019 I went to the wells fargo XXXX XXXX XXXX XXXX XXXX  florida XXXX and requested to withdraw {$250.00} from the ATM, which I never received, next I call the customer service and put the claim number XXXX, I told them to revise the footage because I never received the money, they gave me a provisional credit, then on the XX/XX/2019 they denied the claim and debit the money from my account saying that there was not a misdispense on the ATM, that I took the money after 29 seconds, I never took the money and that's why I insisted to check the footage, I don't know if It took longer that normally does and when the money came out the car behind me took it. I'm a very honest person and I have never had any ATM claims with them in the past
Product: Checking or savings account

This morning ( XX/XX/24 ) I received an email from Chime titled " You're one step away from XXXX XXXX! '' asking me to set up direct deposit on my account. This was followed up with a text message saying, " Your Chime account is ready! Just download the app to access it : XXXX XXXX XXXX  ''. I did not open a Chime account. I found Chime online to reset the password for the account that was set up. The online account included my email address, cell phone number, and home address but no additional information. I then called Chime at XXXX. The automated system gives the option for a call back or additional verification. I opted for the call back because I was not going to verify/give additional private information to this company. After receiving the call back and stumbling through the automated system I finally got a human on the phone who again wanted me to provide additional private information ( SSN ). When I told him that I would not provide this information because I did not open the account he transferred me to another department. That representative again tried to get me to provide private information, which I refused. When I refused the representative told me the only thing I can do is send an email to XXXX with copies of the emails/texts received so it can be investigated and to request account closure. I followed up with an email at XXXX, with minimal information and no attachments, to demand account closure and to request that Chime provide me with the application details and IP address from where the application originated. I received a response at XXXX stating, " Chime has closed the account in question per your request ... '' and another email at XXXX stating, " Following a recent review of your Chime Checking Account, we regret to inform you that we have made the decision to end our relationship with you at this time. '' They failed to respond to my additional requests for information, there is no way they investigated anything that quickly, and their response makes it sound like I did something wrong in the situation. I attempted to login to the online account with the password I previously reset and received a message that the account was closed. 
Based on other information I have found online, and my personal experience, I believe that this company is fraudulently opening accounts for consumers without their consent or knowledge. This is unacceptable and needs to be stopped.
Product: Mortgage

I was under contract on a home after receiving lending approval on XX/XX/2018 and an approved purchase amount from NACA. 14 days prior ( closing was scheduled for XX/XX/XXXX ) to my scheduled closing date NACA informs me that they are unable to honor the approval. Which are due to the errors of their own underwriters, licensed mortgage counselors and home counseling staff. 

I have multiple written correspondences with the approval date and amount, as well as attempts to eliminate any potential issues prior to the end of due diligence periods however their counselors, management staff and underwriters were non responsive via phone and email.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate this accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX Balance : {$2000.00} XXXX XXXX XXXX XXXX Balance : {$7600.00} XXXX XXXX XXXX Balance : {$4.00}
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX XXXX XXXX XXXX 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

This is not a valid debt. yet it is showing on my credit report from Transunion, XXXX, and XXXX. This debt is from XXXX with XXXX XXXX XXXX XXXX and was resolved with XXXX XXXX XXXX. I have also signed up with XXXX XXXX XXXX for internet and was required to go through a credit check with XXXX XXXX XXXX and other XXXX XXXX XXXX companies. This debt is from XXXX with XXXX XXXX XXXX XXXX and was resolved with XXXX XXXX XXXX. It was resolved as paid in full. I have not entered into a contract with XXXX and the debt did not originate on XX/XX/XXXX. That date is not correct and should not be used even if this debt had not been taken care of with the original creditor. It was resolved as paid in full. I have not entered into a contract with XXXX and the debt did not originate on XX/XX/XXXX. That date is not correct and should not be used even if this debt had not been taken care of with the original creditor.
Product: Checking or savings account

I tried to go for a virtual visit with XXXX  since they could not provide services they said I would not be charged and fully refunded. I waited 10 days and no refund was processed so I disputed the charge. My bank is now siding with the company that stated I would not be charged and is fraudulently stealing money from me for a service that was never rendered in the first place. I have email communication from the internal team at XXXX to show it was never supposed to charge me.
Product: Debt collection

Jefferson Capital Systems LLC is reporting false unverified information to the credit bureau. This debt does not belong to me as I have no dealings with XXXX. This is causing stress for me and my family. I will seek help from a credit protection lawyer to seek damages against XXXX and XXXX.
Product: Debt collection

Hi, It is my understanding that a debt collector must furnish a letter within XXXX days of contacting you. 

According to the Fair Debt Collection Practices Act ( FDCPA ), within XXXX days of initially contacting you, a debt collector must send you a written debt validation letter that contains the following information : The amount of the debt ; The name of the creditor to whom the debt is owed ; and A statement that unless you dispute the validity of the debt within XXXX days after receiving the notice, the debt collector will assume that the debt is valid. 

Midland Credit started contacting me on XX/XX/XXXX. However, I have never received a XXXXday letter detailing why. This is a violation of the FDCPA. As you can see, from the attachment, they contacted me at least XXXX times after the initial contact. 

I am XXXX and living on XXXX XXXX as my sole source of income.
Product: Credit reporting

I recently received a copy of my Credit Bureau Name credit report. The credit report showed a credit inquiry by your company that I do not recall authorizing. I understand that you should n't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit. 

Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed. If you find that I am remiss, and you did have my authorization to inquire into my credit report, then please send me proof of this. 

Thank you for your help, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, when I came to [ Chase bank, XXXX XXXX ] to open a business account, we discussed in length NOT to do anything to jeopardize my credit score. We had a XXXX hour appointment, and I have been very direct with [ Chase bank, XXXX XXXX ] what was needed and what was out of the question. This included credit checks, as I was in the active stage of applying for a mortgage. 
[ Chase bank, XXXX XXXX ] understood, opened my business account and went ahead with a credit check, without my consent. My phone gave me an immediate ping, to update me on the instant lowering of my credit score and [ Chase bank, XXXX XXXX ] your response was Oooops. [ Chase bank, XXXX XXXX ] vehemently apologized for her honest mistake and it should have rested right there. 

[ Chase bank, XXXX XXXX ] XXXX escalated this, in order to have the credit check removed immediately as you indeed made a mistake. Mistakes happen. [ Chase bank, XXXX XXXX ], yourself submitted an escalation in order to be pro-active in making things right. I escalated things, and escalated the escalations, as nothing was happening. The XXXX office picked it up and I kept you apprised and informed of this. 

I now have confirmation that the internal investigation resulted in [ Chase bank, XXXX XXXX ] denying that [ Chase bank, XXXX XXXX XXXX did any of this. 

I already had this removed with XXXX. XXXX is unwilling and XXXX is refusing to take this off my credit report, without materials from Chase. The escalated confirmation numbers are : XXXX and XXXX This is with the XXXX office, who is refusing my phone calls. I am actively blocked from contacting them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was shocked when I reviewed my credit report and found late payment on the accounts below : XXXX XXXX - This is paid on time, XXXX and XXXX  reports all OK with not a single late remark. Please update this to current with no late remarks. 

SANTANDER - The status is incorrect. This should be current since there is no late remarks. Please update to Current or delete this. 

XXXX XXXX - This is paid on time, XXXX and XXXX reports all OK with not a single late remark. Please update this to current with no late remarks. 

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has totally XXXX my credit up putting on stuff that is not mine ruined my credit this has taken 120 days and still not fixed after ftc and fcra sent over with police report
Product: Credit reporting

This debt was discharged XX/XX/XXXX, Bankruptcy case # XXXX, not sure there why this is still on my credit report, as well as several inquires in XX/XX/XXXX, from this company. I have attached XXXX of the several letters I have sent to this company, starting in XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am unaware of this debt. I didnt have an opportunity to dispute this information. I did not receive proper notification. If and fact you believe you gave me proper notification, then please send me the certified mail receipt with my signature stating I received it. Experian and XXXX XXXX keeps reporting this account to my credit profile. They are in violation of my rights according to the FCRA all credit bureaus must report accurate information. XXXX or XXXX isnt reporting this account. DELETE IMMEDIATELY!!!
Product: Credit reporting

XXXX XXXX Bank home equity line provided the incorrect date of last payment. The date that they claim to be the last date of payment is XXXX XXXX. However, the last date of payment was actually XXXX XXXX. The date of last payment on the first mortgage was also XXXX XXXX. XXXX XXXX Bank is alleging that I continued to make payments after the final judgemnt of foreclosure on my first mortgage. The final judgement of foreclosure was XXXX XXXX, XXXX. My home was sold at auction on XXXX XXXX, XXXX. XXXX XXXX Bank was in second lein position as a home equity line. XXXX XXXX Bank has not provided any proof of their alleged date of last payment. I would like this case to be investigated and corrected. XXXX XXXX Bank has put a cloud on my credit and I am financially affected by their incorrect date.