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 has violated my federally protected consumer rights to privacy and confidentiality under the 15 USC 1681.

XXXX Account # XXXX has violated my rights.

15 USC 1681 section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish accounts without my written instructions. 

THESE ITEMS WERE DISPUTED WITH ALL 3 CREDIT BUREAUS ON XX/XX/XXXX THEY ALL STILL APPEAR ON MY CREDIT REPORT AND NEED TO XXXX REMOVED BECAUSE THEY ARE BREAKING THE LAW 1. Identity Theft XXXX  XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove it from my credit report. 

2. Identity Theft XXXX  XXXX Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove it from my credit report. 

3. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove it from my credit report 4. XXXX Date of inquiry : XX/XX/XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove it from my credit report.
Product: Credit card

I had a credit card with XXXX gas. I paid it off in full in 2013 and a XXXX and a XXXX i received a letter from XXXX ( a collection agency for Synchrony Bank ) saying that I owe them {$250.00} and they reported me to the XXXX major credit agencies. Always pay my bills. I have a XXXX FICO score and I do n't want anything to ruin it. I paid the money ( in protest ) but I notified Synctrony Bank ( in writing ) that i was never notified about owning anything on this XXXX credit card but they refuse to remove the negative statement from my credit report. These guy 's are crooks both Synchrony and XXXX,
Product: Credit card

I recently contacted self to report my card stolen due to unauthorized activity on my account. They claimed to replace the card and open investigation its been weeks no card and no investigation please help
Product: Credit reporting or other personal consumer reports

I got an email saying that I sent an application ( XX/XX/year> ) to chase banking for a credit card and my credit score dropped. This was not me. It also says it needs more information to proceed. I can't get in contact with the company. I have no banking with them
Product: Mortgage

Step 1 : What is the complaint about? This complaint is about a mortgage company that systematically delayed getting our mortgage approved in order to get more money out of me and my wife.

Step 2 : What type of problem are you having ( had )? A crooked mortgage company that was trying to fleece us for {$50000.00} in closing costs on a {$300000.00} home.

Step 3 : What happened? In XX/XX/2020, we hired the following company to assist us with a FHA loan : XXXX XXXX, Loan Originator, Developer 's Mortgage XXXX, XXXX XXXX XXXX XXXX, XXXX . XXXX XXXX, TX XXXX, XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX. This company intentionally delayed the approval of our mortgage in hopes of getting more money out of us at closing. Here 's what happened. I am a veteran, who when I first contacted this company wanted a VA loan, however, it was discovered that I could not do VA on this particular house so in XXXX we opted for a FHA loan. Now, prior to this the mortgage company was saying that to qualify with the lender better, it would behoove us to sell our we lived in, and that would reflect one less debt. After 8 weeks of delay after delay and being out of over {$12000.00} in hotel bills because they drug their feet on the approval, we fired them, hired another company that got it done is 3.5 weeks. When this company presented us with docs prior to closing the wanted {$30000.00} and they were the underwriter was asking for some of the same docs we had given them over and over again. We walked away from them, found another mortgage company who only wanted {$17000.00} at closing and was able to close us in 4 weeks. That {$30000.00} they wanted was 76 % higher than what the mortgage company we went with wanted.

When we saw such a huge difference in closing costs between the two companies and started thinking about how they had one delay in approving us after another, we began to wonder if they were trying to fleece us for additional money or if they were violating some kind of mortgage laws that we are unaware of. That is why we are contacting you because if they did it to us they have probably done it before, and I have the docs to prove it. And the way they delayed us was by asking for the same information over and over again. It was ridiculous! I've never seen anything like it and this is my 3rd home owning. Unbelievable!!!!!!!
Product: Debt collection

Please see below, this is what is appearing on my credit report. I have disputed it with XXXX  a couple of times without luck. 


PRINCE PARKER AND ASSOCA Last reported XX/XX/2021 {$160.00} Open balance 11 XXXX XXXX Original creditor Report info Take a look at some options to help your score Average score improvement if you take care of a collection in the first 2 years Removed +23 pt Paid in full +25 pt Settled for less +21 pt
Product: Credit reporting, credit repair services, or other personal consumer reports

A previously removed account fro m CBE Group ( acc  #  XXXX  ) was removed from my   XXXX   report on  XXXX   XXXX ,    2017, According to FRCA, I was to be notified within 5 business days that an account  previously removed was to be reinstated. I did not received a notice and that account is back on my  XXXX  collection report. The collection company and  XXXX  are in violation of the FRCA, and this account need to be removed.
Product: Debt collection

I have been calling Net Credit since XXXX, XXXX regarding this fraudulent account, no one returns my phone calls. I also asked that they send me a copy of the original contract ( by mail ) since they stated the account was opened in XXXX. I have yet to receive it. I sent a certified letter to Net Credit on XX/XX/XXXX and yet no one answers the letter and o returned phone call. I called again today XX/XX/XXXX requesting the original loan contract and again, I spoke with a young lady stating her name is XXXX, XXXX stated that this was an online account and I would need to give her my email address. ( I refused ). Again, I asked by mail to have a copy sent to me. I know this is fraud. There is a {$5100.00} debt on my credit and it is not mine. I need to know how to move forward getting it deleted. This is so unfair. 
Totally illegal to attach a debt on my credit report if you will not prove that it is mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted both XXXX  and XXXX about this matter, however they have only responded with a templated letter stating they verified. But I requested they provide me details of how the claim to have verified and to whom they spoke with and the contact information. To date I never received this information. The accounts associated are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I do not know the details of these items which is why I requested the method of verification from the credit bureaus. 

My attorney guided me to filing this complaint. 

In accordance with the Fair Credit Act XXXX the Accounts listed in this complaint, has violated my rights. 

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

15 U.S.C 1781 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions In accordance with the Fair Credit Act Convergent the information provided below has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.
Product: Credit reporting or other personal consumer reports

XXXX continues to update TransUnion indicating the information they have is accurate. I want validated proof that the account is under the correct name! The name is not XXXX XXXX. I will rechallenge and continue to report to CFPB and FTC until this tradeline is deleted from TransUnion once and for all. 
The information being reported is not accurate it is fraud as defined by law, intended to secure unfair or unlawful gain, or to deprive a victim of a legal rights. 

This seems to be a personal issue as opposed to fair. The reporting is reopened without proper deletion under TransUnion.
Product: Credit reporting or other personal consumer reports

I recently checked my updated personal credit report and I noticed the unauthorized credit inquiries still remain on my personal credit report. I contacted these companies and asked them to remove their credit inquiries from my credit profile. I also previously requested that you initiate an investigation into the below inquiries on my credit report to determine who authorized these inquiries. And your investigation is complete, you find my allegation to be true, please remove these inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

XXXX ; XXXX and Transunion are reporting incorrectly a collection in the amount of {$17000.00} on the XXXX XXXX XXXX account number XXXX. ( Please see page attached from my credit report. ) I returned the defective vehicle within the time allowed under the Lemon Law. The vehicle was sold at auction and sold for more than the balance owed so consequently, there is no outstanding balance due and owing and therefore nothing to collect. This incorrect reporting of a collection is harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these items however, I have not been successful.
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 XXXXXXXX XXXX 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 XXXX 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 an 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: Checking or savings account

Bank of America closed my account last year in XXXX and havent released my {$28000.00}. As I wasnt in the US last year due to pandemic, so I starting contacting Bofa since XX/XX/2022, initially they told me we are reviewing funds and I should call back in a month. However on XX/XX/2022 when I called customer services they said I should ask my payees to reverse their transactions which to me was weird and unusual. Still I asked one of my payees who happens to be my brother to get his transfers reversed. He requested his bank and after 2-3 weeks of the process they told us that Bank Of America had denied the request as the account is closed. So why did Bank Of America told me and wasted my another couple of months. I have no complaints or chargebacks on my account and they have never given me any reason as why my account was closed and its been 1 year and why they havent released my funds. I need my funds at the earliest now.
Product: Credit card or prepaid card

I used my Barclaycard Arrival Plus to book a trip for my family in early XXXX. Unfortunately due to the hurricanes in the XXXX this fall my trip had to be cancelled. The travel company was very gracious and issued a full credit for my trip that they placed on my Barclaycard. I quickly began planning another trip since we had already taken the time off work. When all was said and done I had a credit on my Barclaycard account of {$1000.00}. I called on XX/XX/XXXX and asked that they send me out a check for the credit. I was planning on using that money on our vacation and was told by the representative that I should receive the check in 7-10 business days. On XXXX XXXX I received an offer from Barclaycard to do a balance transfer from another creditor and receive a 0 % interest rate for 18 months. I decided to take advantage and proceeded with the balance transfer. A couple of days later I still had not received my check for {$1000.00}. I called and spoke to a representative who transferred me to a manager.  She let me know that she would open a case, get the check stopped and reissued. Between speaking with her I spoke to 3 other managers within a three week period of time that all assured me that my check would be processed and sent after a case was opened and resolved. Today on XX/XX/XXXX I spoke to yet another manager who informed me that this was not the case and that the credit from the lost check was placed onto my account. I requested a formal complaint be filed and will also be filing with the better business bureau. I was also informed that I was told incorrectly that the check would be sent out the day I requested and was misinformed on three separate occasions that I would receive the funds I had requested. Consumers should know that if you have a credit on your account with Barclaycard and ask for it to be refunded to you, they take 7-10 days to process that request and another 7-10 days to mail you a check.
Product: Money transfer, virtual currency, or money service

Ive been lied to for months upon months by Robinhood investing on the release of my XXXX and the emotional XXXX XXXXnd mental XXXXXXXX caused by this situation has led me to very dark places Ive never been and I just want to share my story, I dont ever expect my money back from these lying, no good, scam XXXX because I am hearing this will not solve but only expose my situation, in XX/XX/XXXX I was received an restriction that indefinitely suspended my ability to open positions, withdraw or deposit any funds into or out of my account, this was a very aggressive restriction and come to find out this restriction was caused by something as simple as a reversed transfer, nevertheless after about 5-10 different agents all requesting the same VERY SENSITIVE information from me but at different times asking for my Bankstatement, photo copy of ID, XXXX XXXX ID XXXX and front of back of my social security, XXXX after submitting this information I was informed that I should be contacted within the next 2-3 days with a resolution on the outcome over the next days I was contacted saying my account would remain suspended and this was a FINAL DECISION and my remaining balance would be returned to my original source and upon completion my account would remain closed for disactivation. ( case Id XXXX from XXXX at Robinhood ) They then reinstated my account making me believe that this restriction was over and I could continue on there platform after they just told me that it was a final decision that my remaining balance would be sent to me within 60 days of the message marking the 60th day XX/XX/XXXX it has now been 120 days since originally I was told it would be returned and the process has not even taken the first step ( They wont tell me the first step ) Originally I was not thinking this would take this long because I was being told the entire time that there was an It looks like there was a delay, but can assure you that we are working on getting the funds returned. For additional information please contact the originating bank. this was red flag one million they were sending this exact same message as they were reading from a promt and that is when I decided to get more information from my bank as they said because over the course of the next month I was never informed on how the process would go about returning my original funds not only that I was permitted from having any information on the delay that was preventing my account from releasing the money,, after contacting the bank for more information the bank could not give me any information on the situation but thought Robinhood was trying to fraud me and closed my original bank now I dont even know if when they release if they ever do if itll have somewhere to go and this entire situation is just very heartbreaking the amount of information I am ALLOWED to receive about the issuance of my own funds.
Product: Credit card or prepaid card

I applied for the Chase Freedom in the beginning of XXXX and was told that Chase needed more information before they determine their decision. They sent me a letter on XX/XX/2020 yet i did not receive this letter until XX/XX/XXXX. The letter wanted them to confirm my gross annual income by faxing two recent pay stubs to the phone number provided on the letter they sent. It stated " Fax to XXXX ; it's free from any Chase branch ''. It also said in the letter that i had only 14 days, from XX/XX/XXXX, to accomplish this. I went to my local Chase branch in XXXX XXXX California on XX/XX/2020 to fax my two recent pay stubs, I followed their directions and wrote the reference number on my paystubs. I did this within the 14 day period. I then called lending services that day to verify if they received my paystubs. They told me it take 7 business days to process this information. so i called Chase lending services on XX/XX/2020, they notified me that they never received my paystubs, I clarified to them that I followed their directions and went to my local chase bank, i wrote my reference number in clear handwriting and did this before the 14 day period, yet they still claimed to not receive my paystubs. The lending service told me i still had time to fax this information to them. so i went that day, XX/XX/XXXX, to my local chase bank in XXXX XXXX Ca and had them fax my paystubs again including the letter chase has sent me. I then called Chase lending services again to verify if they received my paystubs and again they said they have not received my paystubs, they then told me that i surpassed their 30 day period so my application is now archived and ill have to apply again, I was upset at this because i did my part, I followed the guidelines and directions given to me through this letter. I did it in a timely fashion, and now my application is not valid and they want me to apply again, which will inevitably hurt my credit score and might even mean that i have to start this whole process over. 

XXXX XXXX address and phone number : XXXX XXXX, XXXX, XXXX XXXX, CA XXXX XXXX
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 XXXX Original creditor : XXXX XXXX XXXX XXXX Account number XXXXXXXX XXXX XXXX XXXX Original creditor : XXXX XXXX Account number XXXX 15 U.S.C 1681 Section 602 A Section States I have a right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : Also states that a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section states that no consumer reporting agency may make any consumer report containing the following items of information. Any other adverse 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 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

Hello, In XXXX of XXXX  I applied for a credit card loan through a used car company " XXXX XXXX XXXX ''. I approved the company to pull my credit report one time yet I had 4 hard inquiries pulled within the same few days by the dealership. When I complained they said that all 4 would be reported and affect my score as if only one was pulled. Now, many months later when I am looking into buying my first house, the 4 hard inquiries are still affecting my score. Please advise on how to reduce these 4 back to 1. 
On XX/XX/XXXX the same thing happened. Can we fix the two to equal just one in XXXX also? 

XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Thank you greatly, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

unknown addresses on my credit profile.
Product: Money transfer, virtual currency, or money service

Dear Sir/Madam, I am writing to file a formal complaint against Chase Bank concerning a fraudulent transaction that occurred on XX/XX/year>. I was scammed out of {$880.00} by an entity posing as XXXX XXXX XXXX. Despite providing clear evidence of the scam, including a fraudulent loan approval letter, a barcode for a XXXX transfer, and receipts proving the transaction was unauthorized, Chase Bank has refused to return my money. 

This fraudulent charge has caused significant financial hardship as the money was intended for my maintenance medications for XXXX, which I now can not afford. I have tried multiple times to resolve this with Chase Bank, but the customer service I received was unprofessional and inadequate. The representatives handling my case showed a lack of empathy and failed to protect me against fraud as promised by their consumer protection policies. 

To date, I have provided all relevant evidence of fraud, but Chase Bank continues to deny my claim and has not refunded the fraudulent transaction amount. I am asking the Consumer Financial Protection Bureau to intervene and assist in the following : XXXX. Investigate Chase Banks handling of my fraud case and ensure they take appropriate action. 
XXXX. Enforce that Chase Bank refund the {$880.00} that was taken from my account under fraudulent circumstances. 
XXXX. Ensure that Chase Banks practices align with their stated commitment to consumer protection and fraud prevention. 

I have enclosed all relevant documentation, including receipts, email correspondence, and evidence of the scam, to support my complaint. I have made multiple attempts to resolve this matter directly with Chase Bank, but their actionsor lack thereofhave left me with no other recourse but to escalate this matter. 

Thank you for your time and attention to this urgent issue. I look forward to your assistance and a timely resolution to this matter. Please do not hesitate to contact me at [ Phone Number ] or [ Email Address ] for any further information or clarification. 

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

Recieved a check for a refund for XXXX from portfolio recovery associates dated XXXX 2015. Lost the check. Found the check. Called them to have them reissue the check and they are refusing to do so.