23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I have an account with Chase/Amazon XXXX I called Amazon, I was having problems in using the XXXXXXXX. I called the phone # on the back of my Card to get help on bring me back on line ( watch movies ). The person to whom I spoked to at Amazon customer service attempted to what I thought was trying to back on line, was actually was working HACK my checking accounts. Shortly thereafter when checking with my banks I learned funds were withdrawn from both of ( two Checking account ). I called Amazon fraud dept. making them aware during the time I was on line with someone at Amazon, the rep. at the fraud dept at amazon said to me now worries the charges will drop off. 

The charges remained on both checking accounts, however I disputed the charges with the banks and I was successful in getting my monies back into my checking accounts. 

However mid XXXX 2022 I started to receive bills from my Chase account stating they had given me Provisional check during that period of time. I had no reason to request provisional credit since I had credit limit of {$7000.00}. Once I submit a dispute with FTC the harassment stopped for a few months. Now the statement started again. Now they are claiming that I owe them money they provided to me as a Line of Credit again that is not true. The company is now having me owe around {$1300.00}. 

What I'm afraid of now is that they will sell this account to a Debt collection company, and not only will I have to start explaining all over again but this will also effect my credit. You see I'm very familiar with Debt collection companies work, these companies like Chase/Amazon sales a group of clients to the collection agency for XXXX XXXX XXXX XXXX. You see I have worked Dispute analyst. These companies does not care because company 's like Chase does not care.
Product: Credit reporting or other personal consumer reports

I've looked at my credit report again on XX/XX/year> and i still see some things that was incomplete and inaccurate. And according to the fair credit reporting act whenever a credit reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates to. These accounts XXXX  Account Number : XXXX, XXXX Account Number : XXXX, XXXX XXXX  Account Number : XXXX, XXXX XXXX INT Account Number : XXXX, XXXX XXXX XXXX Account Number : XXXX are not complete or accurate. 

Also according to 15 usc 1681s-2 states that A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause that the information is inaccurate.

By the way the companies listed and transunion credit bureau is in violation of the following : Violation of 15 U.S.C. 6802 ( b ) Under the Gramm-Leach-Bliley Act ( 15 U.S.C. 6802 ( b ) ), financial institutions, including consumer reporting agencies, are prohibited from disclosing nonpublic personal information about a consumer to nonaffiliated third parties without providing the consumer with a clear and conspicuous notice that accurately reflects the institution 's privacy policies and practices.

Additionally, the consumer must be given a reasonable opportunity to opt-out of such disclosures before they occur. I have not received any such notice or opportunity to opt-out regarding the aforementioned accounts.

Violation of 18 U.S.C. 1028 ( c ) The unauthorized disclosure and potential misuse of my personal information may constitute a violation under 18 U.S.C. 1028 ( c ), which addresses fraud and related activity in connection with identification documents, authentication features, and information. Unauthorized disclosure of my personal information without proper notice and consent is a serious matter.

Violation of 15 U.S.C. 1601 Furthermore, under the Truth in Lending Act ( 15 U.S.C. 1601 ), consumers are entitled to be informed about the terms and conditions under which their personal information will be shared.

This Act emphasizes the need for transparency and fairness in consumer credit reporting.

Last but not least by way of the Right to Deletion under Section 1798.105 ( CCPA/CPRA and VCDPA ) Under Section 1798.105 of the California Consumer Privacy Act ( CCPA ) and the California Privacy Rights Act ( CPRA ), as well as similar provisions in the Virginia Consumer Data Protection Act ( VCDPA ), I have the right to request the deletion of my personal information held by your company.

This right to deletion includes the removal of all records related to the aforementioned accounts from your databases and from the databases of any third parties with whom you have shared my information. in which transunion have IGNORED all of my requests for deletion.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX SS : XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX TX XXXX RE : Trafficking Block Request To Whom It May Concern, I am writing to advise that I am a victim of Trafficking. For your convenience and reference, I have attached supporting documents that substantiate my claim. The information listed below, that is currently listed on my credit report is a result of that Trafficking. 
XXXX. XXXX XXXX XXXX : Account Number ending in XXXX XXXX. XXXX XXXX XXXX XXXX : Account Number XXXX XXXX. XXXX : Account Number XXXX XXXX. XXXX : Account Number XXXX XXXX. XXXX XXXX  : Account Number XXXX XXXX. XXXX XXXX  : Account Number ending in XXXX XXXX. XXXX XXXX  XXXX Account Number XXXX XXXX XXXX XXXX. XXXX XXXX XXXX  XXXX XXXX : Account Number ending in XXXX Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. This section provides the right to request the deletion of information from a credit report as a result of Trafficking. 
Per 605C - 2 In brief, section 605C provides that a consumer reporting agency may not furnish a consumer report containing any adverse item of information concerning a consumer that resulted from a severe form of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
The Bureau is adopting several amendments to Regulation V to implement new section 605C of the Fair Credit Reporting Act ( FCRA ) ,1 added by the National Defense Authorization Act for Fiscal Year XXXX ( XXXX NDAA ) XXXX In brief, section XXXX provides that a consumer reporting agency may not furnish a consumer report containing any adverse item of information concerning a consumer that resulted from a severe form of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX documentation to the consumer reporting agency.3 Under section 605C, the Bureau is required to issue implementing regulations within 180 days of the enactment of the XXXX NDAA XXXX Section XXXX is effective 30 days after the Bureau issues its final implementing regulations. 
BILLING CODE : XXXX BUREAU OF CONSUMER FINANCIAL PROTECTION XXXX XXXX XXXX XXXX [ Docket No. XXXX ] RIN XXXX Prohibition on Inclusion of Adverse Information in Consumer Reporting in Cases of XXXX XXXX XXXX XXXX XXXX XXXX Please send me notification of the actions taken. I greatly appreciate your prompt expedited action to this matter. 
Sincerely, XXXX XXXX XXXX Enclosures Proof of identity Trafficking documentation
Product: Debt collection

XXXX XXXX XXXX XXXX CNAC of XXXX Virginia located on XXXX XXXX XXXX XXXX. falsely reported to the credit bureaus serval times that a balanced was owed after trying to sue me and having they lawyer sign and agreement on XX/XX/2019. i have submitted the court papers serval times to the credit bureaus and they still state that they cant remove the debit that is owed. After contacting them and the lawyer office with XXXX XXXX they stated that their lawyer hadn't agreed to this and a balance was still owed. Now on XX/XX/2019 they are stating the only way to remove the debit is for them to fill out a 1099 form and I would have to report on my taxes but I didn't receive any payments are anything from this company. this was an auto loan with installment payments where I voluntary surrendered the vehicle due to it being a lemon vehicle, and they never disclosed that information to my attorney or me. The general manager XXXX was very rude when I asked why would they fill that form out seeing how I didn't receive any funds from them, he then stated I need to ask a tax advisor that.
Product: Mortgage

Approximately XXXX days ago, I received an escrow statement from my mortgage company ( NewRez ). While reading it, I noticed that the charges for my escrow ( taxes and insurance ) went from {$32.00} all the way to {$220.00}. And, if I don't pay the {$220.00} by XX/XX/XXXX, this amount will be added to my regular mortgage payment of {$460.00} ; this is not right. My common senses tell me that NewRez is trying to XXXX me over any way they can. This is the fourth year I have had issues with this company. It does no good to call them, therefore the only recourse is to make a complaint, which I feel is legitimate. By the way, I want to mention that my mortgage was unfortunately sold to this lousy company. 

I have lived in my condo for 20 years, and I have never had issues with my former mortgage lender ( XXXXXXXX XXXX ). Unless I have an adjustable mortgage, which I do not have, my mortgage payments should not balloon up. There is no way I can afford a huge increase in a mortgage, while dealing with a huge increase in my maintenance fee and condo insurance. I know that the escrow ties into the flood hazard insurance and taxes that my condo association pays. I have sent NewRez proof of this over and over. 

During my first year in my condo, I was informed that whenever there is a shortage ( which should be a small amount ), my mortgage payments will increase just a few dollars. What is questionable is a shortage that is close to {$1000.00}. This is extremely upsetting! I also want to add that I forgot that I was referred to your office for a resolution. I have made several complaints to the XXXX. I really wish more and more people would file complaints because there is strength in numbers. Posting negative reviews does no good. Attached is some information for your review. I look forward to hearing from you. Thank you for your time.
Product: Credit reporting or other personal consumer reports

Dear CFPB, I hope this email finds you, though I must express my frustration and disappointment with the lack of response to my credit disputes submitted in XX/XX/. Despite the statutory 30-day timeframe for resolution having long passed, I have not received any correspondence addressing my concerns, and prolonged my new residency in order to dismiss any delays of receiving my mail. 

My disputes pertain to inaccurate information present on all three of my credit reports, namely from XXXX, XXXX, and TransUnion. Despite my attempts to seek assistance through phone calls, my complaints have not been heard, and I find myself in a distressing situation with no resolution in sight. 

In light of the continued disregard for my concerns, I have taken the step of resending the same dispute letters that were initially submitted. This persistent inaction to these credit bureaus is unacceptable and has compelled me to escalate the matter by filing a complaint through this channel. 

I believe my rights under the Fair Credit Reporting Act ( FCRA ) have been grossly violated due to the prolonged delay in addressing my disputes. The inaccurate information on my credit reports is impacting my financial standing, and I am left with no choice but to seek resolution through this formal complaint. 

As a consequence of the fraudulent encounters I have experienced, I have taken measures to freeze some of my accounts to mitigate any potential further harm. 

I urgently request your immediate attention to this matter and a prompt resolution to the inaccuracies on my credit reports. Failure to address this complaint promptly may lead me to explore additional legal avenues to protect my rights and rectify the damage caused. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the Experian credit bureau to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct, as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any items of information contained in a my file at Experian is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or update the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

I had a auto loan with Wells Fargo in XXXX to XXXX and they were trying to say i didn't make payments when I did and even showed proof of everything. They then tried repossessing it so I had to turn it in. I had other strange fees occurring on my checking account. I finally closed them out. This was in XXXX Washington. I tried everything I could to keep it but they wouldn't work with me. I can't believe they are still in business.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfilled its legal obligation under the Fair Credit Reporting Act to conduct a reasonable reinvestigation on disputed information on my credit account leaving inaccurate or unverifiable accounts unresolved.the CFPB has recently filed a lawsuit against Experian, alleging systematic issues such as failing to forward consumer provided evidence to furnisher, accepting unreliable responses and failing to adequately notify consumers of disputed outcomes. These failures align with my experience where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to removed or amend the disputed accounts, As Experian inaction violates federal law and my rights as a consumer.
Product: Credit card

MONTGOMERY WARDXXXX XXXX SWISS COLONY IS REPRTING AS A CHARGE OFF WRITTEN OFF AND I HAVE NO KNOWLEDGE OF THIS ACCOUNT AS I HAVE TRIED TO RESOLVE THIS NOTHING HAS HAPPEN THE CHARGE OFF AMOUNT IS XXXX WRIITEN OFF XXXX PAST DUE CLOSED.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX file a CFPB complaint as I believe that XXXX XXXX XXXX is re-aging my old mortgage account to maintain a negative item on my credit reports longer than necessary. My Experian credit report shown my first 30-day late payment for XX/XX/XXXXThat would mean that based upon the Fair Credit Reporting Act guidelines on obsolete information reporting, my XXXX account would come off XXXX XXXX, XXXX. XXXX also cut off over six-years of payment history, which I believe I had late payments during that timeline. In essence, I believe that 7-year rule would already apply and that the XXXX account should already be removed. Accordingly, I will be satisfied with a XXXX XXXX removal date. The XXXX credit report has cut off the same six-years of payment history, and shows a beginning date of XXXX XXXX. The Experian credit report showing XXXX XXXX is acceptable, and I need verification from XXXX XXXX XXXX that the account information will be remove XXXX XXXX, XXXX.
Product: Debt collection

My ex husband received a call on XX/XX/XXXX from a portfolio recovery looking for me. I called them back, they stated that they are collecting a payday loan from either " XXXX or XXXX '' and if I didn't pay them they would see me in court and have me arrested. I stated that I declared bankruptcy in CT in XXXX, and that all of my debt was included, they said this slipped through the cracks. Their " paralegal '' got on the phone and demanded I pay today to avoid jail time. The phone number they called me from is XXXX, which comes up as a roboxall on XXXX. Lots of threats over an apparent debt that they can't produce documents for and just wanted me to pay.
Product: Checking or savings account

my account at XXXX XXXX was compromised and the routing # or account Number that was linked to gemini was changed for safety. 
i had made a purchase of gemini crypto currency. the money did not get transfered they still made the trade and paid for it out of the XXXX XXXX XXXX i had on deposit. Then they froze the account and for about 2 years i have been getting the run around from them. Never able to talk to a live person just bot robots or chat team. they never get it right they keep asking me to identify myself which i have numerous times. Change a good password that was never compromised. Ask for more security on devices ect ect. every time you give them what they want they come back with something else.
Product: Debt collection

Balance is now XXXX ; however, I only received one phone call about this account and I requested a paper bill in order to send payment. Paper bill was never received and I received no other phone call before this was sent to collections.
Product: Credit card

I opened a card with JP Morgan chase bank in XXXX. Their first statement got issued on XXXX XXXX, 2016 with a balance due ~ {$2700.00}. My payment was due on XXXX XXXX and I made my payment through automatic minimum payment setup. Then I posted {$5000.00} payment on XXXX XXXX. JP Morgan chase assessed finance charge of {$73.00} on while balance due and not only on the balance that was leftover from first statement. I called up customer service and they mentioned they charge interest on the whole balance. That means, even if I purchased an item on XXXX XXXX, they will still charge a full month of interest on the balance due on XXXX XXXX. That means I am paying interest for time on an amount for which I did not borrow the money. This is inappropriate and robbing money from small consumers like us. Please help and review. With this type of payment policy JP Morgan is looting XXXX of dollars from consumers for the time where money was not borrowed. They pointed to the agreement we signed which never shows example of the case above.
Product: Credit card

I am filing a complaint against Apple Card/ Goldman Sachs Bank USA for failure to comply with federal tax law under Internal Revenue Code 6050P and Treasury Regulation 1.6050P-1. My account was charged off or canceled, but I have not received a 1099-C as required by law. The debt in question exceeds {$600.00}, which mandates reporting to the IRS and providing me a copy. The creditor 's failure to furnish the 1099-C is causing confusion regarding the status of the debt and its tax implications. I request that the CFPB investigate this matter and require the creditor to comply with applicable laws. The Consumer Financial Protection Act ( CFPA ) - 12 U.S.C. 5481 et seq. - addresses the harm caused to consumers by untair, deceptive, or abusive practices, particularly in credit reporting. The CFPA empowers the Consumer Financial Protection Bureau ( CFPB ) to regulate these practices, known as UDAAPs ( Unfair, Deceptive, or Abusive Acts or Practices ), in consumer financial products. Apple Card/ Goldman Sachs Bank USA actions are significantly harming my credit score, which constitutes an unfair or deceptive act. Such practices undermine the integrity of the credit reporting system and negatively impact my ability to manage my financial well-being.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion Has Been Reporting a Collections Account that Doesnt Belong To Me In The Amount Of {$520.00} on XX/XX/2020. 
The XXXX XXXX Name is XXXX XXXX. 
It Was Removed Earlier After i Reported It But After Some Months It Started To Appear Again Leaving a Negative Impact On My Credit. 
Please Help Me To Remove It Permanently. 
XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Notice, it is a fact, I the consumer is aware, transactions authorized by my credit card, and credit card is defined in both FCRA and has the same as the definition in XXXX  as any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. Thus making my social security card a credit card. This account was authorized by my social security card, a credit card and therefore must be excluded from my consumer report. The reported information published on my consumer report for account # XXXX is a violation of 15 U.S. Code 1681a ( 2 ) ( B ) and must be removed. This is also a violation of 15 USC 1681 ( 2 ) ( a ) i. This report contains information solely as to transactions or experiences between I, the consumer and the person making the reportXXXX XXXX  created the report.Notice, it is a fact, affiant is aware, a consumer must be given a chance to direct whether they want the information about a transaction to be reported or not. This is referenced in the Gramm-Leach Bliley Act. I was not given the chance to opt-out of having this reported information about Account XXXX not being reported and is a violation of 15 U.S. Code 1681a ( 2 ) ( A ) ( iii ) and must be removed.
Product: Credit reporting or other personal consumer reports

I am filing this complaint against XXXX for failing to comply with multiple provisions of the Fair Credit Reporting Act ( FCRA ), including but not limited to 15 USC 1681e ( b ), 15 USC 1681s-2, 15 USC 1681i ( a ) ( 5 ), and 15 USC 1681c ( c ). XXXX has repeatedly failed to properly investigate errors on my credit report and has not corrected or removed inaccurate information despite my multiple disputes. Their actions have caused significant harm to my creditworthiness, limiting my access to credit, employment, and housing opportunities. 

Violations : 15 USC 1681e ( b ) : XXXX has failed to maintain accurate information in my credit report. 

15 USC 1681s-2 : XXXX has failed to ensure furnishers are correcting inaccurate information. 

15 USC 1681i ( a ) ( 5 ) : XXXX did not correct or delete inaccurate information after my disputes. 

15 USC 1681c ( c ) : XXXX continues to report outdated and obsolete negative information. 

3. Harm Caused : These errors have resulted in [ denied credit applications, higher interest rates, loss of housing opportunities, etc. ]. 

The process has caused unnecessary stress, wasted time, and financial losses.
Product: Credit reporting or other personal consumer reports

These XXXX accounts are closed and to old to be reported on my credit report also these accounts are only showing payments for the last five months not the past eight years due to the fair credit report act if the information is not correct or can not be fix the accounts should be removed from credit report.