23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts have violated my rights. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1681 section 602 A, states I have the right to privacy.

15USC 1681 Section 604 Section 2, it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC1681c. ( 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 ante cedes the report by more than seven years.

15 USC 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: Checking or savings account

I need them to respond to the complaint and previous reports and send me the investigation and third party contact information
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  mistakenly sent a balance that I did not owe to Franklin Collection Services. I satisfied the balance as a sign of goodwill because this account has dramatically impacted my credit and financial well being. Upon satisfying the balance, I was told verbally that this account would be deleted from my credit. Please delete.
Product: Credit card or prepaid card

Date : XX/XX/XXXX Bank : Chase Amount : XXXX + XXXX totaling {$10000.00} Action : I received email notifications about tickets purchasing on XXXX on XX/XX/XXXX that I did not make, on my chase freedom unlimited credit card ending XXXX. Those tickets were for events happening on XX/XX/XXXX. On XX/XX/XXXX, I immediately called Chase to report the fraud transactions. I was told by the customer representative that the transactions have been marked as fraud and a new card was issued. However, after about a month, Chase reserved the charges and claimed those were valid. I opened a new investigation with Chase fraud department, but still hear back that the charges were valid, because my name, email, and home address were used. However, those information could be compromised easily these days. I did my best, by calling Chase right after noticing the fraud charges, a couple hours after the fraudulent charges were being made on my credit card. But Chase still claim those charges were valid. Those charges are standing on my credit card balance and starting to accrue interest.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received my consumer report and all my personal information is wrong Correct Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX California XXXX XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

This account was charged off on the following date ( MONTH, YEAR OF FIRST CHARGE OFF ) Since then the account has repeatedly been updated as charged off every month. 
This is an update in the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am deranding a deletion of the following account : Accounts Name : XXXX XXXX XXXX XXXX Account Number : XXXX ( Equifax ) Accounts Name : XXXX XXXX XXXX XXXX Account Number : XXXX & XXXX ( XXXX ) Accounts Name : XXXX XXXX XXXX XXXX Account Number XXXX XXXX ( XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

FCRA violations : accounts not mine XXXX XXXX Account owner Individual Account Original Creditor XXXX XXXX XXXX Date reported XX/XX/XXXX Date assigned XX/XX/XXXX Account status Unpaid FCRA violations : payments never late XXXX Potentially negative Date opened XX/XX/XXXX Balance {$4300.00} Status Open. 

FCRA violations : inquires not mine XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX FCRA violations : addresses not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

In XXXX XXXX. I was behind on my mortgage due to XXXX XXXX Pandemic. I called the lender in XX/XX/XXXX and requested the lender to move the balance owed to the end of the loan or add it to the principal balance so that my account will be current. The lender representative told me that they don't do that. and the only option they have for me is to apply for loan modification. In two days after, I called the lender again and spoke to different representative about my situation. She also advise me of going for loan modification. So I put in application for loan modification with the lender in that XX/XX/XXXX. After numerous documents request from the lender, the modification was approved in XXXX XXXX, XXXX. In XXXX XXXX, the lender sent me a letter of approval with request to pay XXXX months trial payments of {$1700.00} which I paid in XXXX, XXXX and XXXX. In XX/XX/XXXX XXXX, the modification package was sent to me, the modification agreement includes : the agreement, ach form enrolment, notice of oral agreement, loan modification agreement rider, Balloon payment/Differed balance rider and compliance agreement. ( see attachment XXXX ). After signing the modification, notarized and sent to the lender in XXXX, It was in my XXXX XXXX  mortgage statement that i noticed monthly statement of {$1700.00} calculated is not in accordance with the modification agreement signed. See attachment XXXX. I then called the lender and addressed the matter. and I was told to put it in writing and send it to their customer service. I put it in writing and send it to the lender on XX/XX/XXXX, XXXX see attachment XXXX. For XXXX weeks I did not get any response from the lender. Then I called the lender again in which the representative told me to resend the letter. I resend it and still didn't get any response. In XXXX of XXXX  i filed complain with the texas dept of saving and mortgage lending. It was then i got a call from the lender 's office supervisor talking to me about my complain. And he still did not address the issues contained in my complaint as to why my mortgage principal balance was increased from $ XXXX to XXXX, why was there balloon/deferred payment in the modification agreement and not apply in monthly payments. And the lender failed to provide mathematical statement of how it arrive at {$1700.00} as my monthly payments on the statements. And more also the supervisor failed to explain why some payments made in XXXX  was not applied to the principal balance. And when i went back to the case manager for texas dept of savings and mortgage lending, he told me the same thing the lender supervisor was telling me without considering the facts and evidence in my complain. And my complaint is being silent since XXXX and no corrective action taken on my case. Someone please help me. This lender had been XXXX me out of my accrued equity in my mortgage account, and had made my family and I life XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute by mail to Transunion regarding a credit card account with XXXX XXXX. I advised them there were inaccuracies on the information being reported which is having a huge negative impact to my fico score. Transunion sent a generic letter stating the information was verified and confirmed valid. It is clear there was no actual verification of the information because inaccuracies are still on the report and nothing changed. I requested a method of verification which was dismissed by them and not provided. I am requesting for Transunion to do an ethical and actual correct investigation so the information is reported accurately or they need to delete the tradeline completely. Transunion is currently approving a false manipulation of the statue of limitations on this account by not correctly validating the information and actually doing an investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Butte county credit bureau was sent 2 letters from from my attorney I filed a Chapter XXXX Bankruptcy Case XXXX-XXXX. 
Butte county credit bureau I tried to work with them on why they keep credit reporting me every month when I filed bankruptcy and they were notified it was a chapter XXXX by the attorney they told me I still owed the money and had the right to continue to credit report until it is paid in full or charged off.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NY XXXX Social Security # XXXX DOB : XX/XX/XXXX I hereby make a ghost-letter attempt to a resolution on various credit items and/or items of public record that currently show on XXXX, XXXX, XXXX XXXX and XXXX respectively. My position is legal based upon sections of the Fair Credit Reporting Act as well as the Fair Debt Collection Practices Act. These laws are to make sure that a level and fair playing field exist to protect American consumers from abusive reporting procedures on credit reports, as well as illegal and deceptive collection practices. I stipulate at this time that are no condition am U making an identity theft claim or accusation, so I demand that policy be adhered to by all creditors and respective credit reporting agencies. 
Amended consumer rights Fair Credit Reporting Act XXXX XXXX XXXX XXXX. XXXX : XXXX : XXXX Fair Debt Collection Practices Act : XXXX XXXX XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. I especially desire compliance under the 84-month timeline for deletion of negative information, with the deletion of the account details altogether. My dispute is quite specific in the exception area posted below : 605. Requirements relating to information contained in consumer reports [ 15 U.S.C. 1681c ], Section 609 of the Fair Credit Reporting Act ( FCRA ), Disclosures to consumers [ 15 U.S.C. 1681g ] ; Section 610 ( a ) ( 1 ) [ 1681h ], and XXXX. 

CREDITOR CONTACT INFORMATION : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. 

I am posting this dispute through the Consumer Financial Protection Bureau, the governing body of the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. Please respond to this dispute within 30-days as mandated within federal guidelines. 

Sincerely, XXXX XXXX
Product: Money transfer, virtual currency, or money service

MyXXXX ADA were sold into USD without my permission on XX/XX/2021 in my Binance.us account, and my account was disabled since then. I can't trade, withdraw and deposit since then. I was not able to sell my cryptos before the market crashed and it caused me huge losses!! It has been one month since I submitted twoinquiries on XXXX and I still haven't received any responses from Binance.US.My support ticket numbers were # XXXX and # XXXX. This is unacceptable!! 
Back on XX/XX/XXXX, I made a direct deposit of {$5000.00} from my XXXX XXXX  checking account into myBinance.USaccount. Immediately after I made the submission, I received a deposit failure alert with a message saying my bank account might don't have enough funds. This was odd to me because I had much more than {$5000.00} in my XXXX XXXX  account at that time. I had also performed 7 prior deposits and did not experience any issues then. After receiving the alert, I followed the instructions to deposit my cryptosin an attempt to solve the problem, but it was unsuccessful. However, XXXX XXXX  confirmed that {$5000.00} had been successfully transferred from the bank toXXXX XX/XX/XXXX. On XX/XX/XXXX I submitted inquiry and asked toinvestigate thisissue. Ticket number is # XXXX. No response. On XX/XX/XXXX, I requested to investigate the {$5000.00} again. I didn't hear back fromBinance.us. On XXXX I sent another inquiry to Binance.US and still no response. On XXXX I disputed in XXXX XXXX  andfinallygot my {$5000.00} back. But On XX/XX/XXXX I received an email fromBinance.US regarding I had a returned deposit and I should deposit {$5000.00} within 7 days to bring my account into good standing. This is ridiculous.The Binance.UShad totally messed up my account. The customer service is horrible. Please help me and investigate this issue.
Product: Mortgage

My home loan mortgage company ( Home Point Financial Corporation ) transferred my mortgage to another company ( XXXX XXXX  ) in XX/XX/2022 without proper notification to me, so I was not aware of the transfer therefore missed all the monthly payments. It caused my mortgage to be in default and the property in foreclosure, severe damage to my credit score, and over {$4000.00} fees charged by XXXXXXXX XXXX related to the missed payments and foreclosure. 
Both Home Point Financial Corporation and XXXXXXXX XXXX failed to send notification to my mailing address which is different from the property address. Home Point Financial Corporation has my mailing address, but didn't provide it to XXXXXXXX XXXX, so both companies allegedly sent all the mortgage transfer notifications by mail to the property address. My family and job were both impacted by Covid so I had to live at my mailing address, so I didn't receive any of the alleged notifications sent to the property address. XXXXXXXX XXXX representative claimed the company tried to contact me several times through telephone calls, but all the calls went to voicemail ( and no voicemail was left ), but the representative admitted that all the calls were made by XXXX XXXXXXXX so they were blocked by my phone service provider and I didn't receive any of the calls.
Product: Credit reporting, credit repair services, or other personal consumer reports

I acquired my credit report and asked the credit bureaus to check and make sure everything was complete and accurate according to 15 USC 1681i ( 5 ) I waited 30 days and received my investigation and notice everything was still the same. The consumer reporting agencies which is XXXX, XXXX and transunion did not modify or removed anything. 

The hard inquiries and student loans is not correct on all three credit reports on XXXX credit reports Which is a violation. This is impacting me from moving forward to buying a car. 

I attach my previous credit report and my new credit report to show how XXXX violated my rights.
Product: Debt collection

Debt Collector called one of the lines on my phone plan which was not my number. They went into detail and advised I owed {$700.00} for a bill in Pa, that I did not disconnect service and the company did not until 2 months later. I moved in XXXX 2016 they stated XXXX 2016. They argued that they wanted it to be known. This is untrue and embarrassing that they called someone with my personal information and gave full details. I have n't received anything from them.
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 XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : 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 card or prepaid card

On XX/XX/2022, my personal checking account at Wells Fargo Bank held a balance of {$51000.00}. I went to my office the next day, XX/XX/2022, where I received a startling call from Wells Fargo telling me that they had picked up numerous transactions in my account that they wanted to verify with me that appeared unusual. They then read a list of XXXX very similar charges to my account. I wrote down all the transactions and they were all in the range of {$20.00} to {$24.00}. I recognized none of them and Wells Fargo said they would " look into them. '' I asked them to stop the charges, because none of them were mine. 
I heard nothing further from Wells Fargo until approximately XX/XX/2022 when a very large envelope arrived in my office from XXXX, containing the largest bank statement I have ever seen. It consisted of XXXX pages and contains a list of well over 3000 separate transactions in my bank account, all for the month of XX/XX/2022. I recognize only about 50 transactions which I made in XX/XX/2022 that day or the rest of the month. I had personal XXXX for over 7 hours on XX/XX/XXXX, did not use the credit card in question and had in my personal possession at all times. I still have the card in question.. The remaining transactions are completely unknown to me and were not made by me. I did deposit an additional {$17000.00} in the account and my social security check was also deposited in my account for me. I have also since discovered that an additional {$20000.00} was deposited in this account by being taken from a Wells Fargo credit line I held and put into my account without my knowledge. At the end of XXXX, despite deposits of {$92000.00}, the account balance is {$1800.00}. This means that a total of {$90000.00} was removed from my account without my knowledge, permission or consent. I have called, spoken with and sought answers innumerable times from Wells Fargo. Wells Fargo 's sole response so far is a brief letter telling me that one charge in the amount of {$19.00} was not an error and that it will stand. What they do not mention is their additional transaction fee of XXXX for each of the over 30,000 charges shown on my bank statement and that there are approximately 3000 transactions in that amount. I have calculated that they have made over {$2000.00} in fees by allowing me to be robbed of over {$90000.00} that they have no time to explain. Please explain to me how this is allowed to happen in our Federally regulated banking system.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am asking for your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet there are some items passed on that should be remove. Per FCRA segment 605, i am expected to delete any records. I've proactively remembered this report for a past letter and I am including it once more. These are the following items that needs to be remove immediately : XXXX XXXX XXXX # XXXX XXXX, MD XXXX ; XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, MD XXXX ; XXXX XXXX XXXX XXXX XXXX MD XXXX ; XXXX  XXXX Bankruptcy XXXX XXXX : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX.