23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX # XXXX - DATE OPENED XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/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 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 informationisinaccurate.
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. 

Account name : XXXX Account number:XXXX  Account name : XXXX XXXX Account number:XXXX Account name : XXXX XXXX XXXX  Account number:XXXX  Account name : XXXX XXXX Account number:XXXX Account name : XXXX Account numberXXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

Upon examining my credit report, I identified inaccuracies in certain information. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), it is imperative for the Equifax and XXXX credit bureaus to authenticate these accounts. Failing to validate this reported account within the legally stipulated timeframe without providing substantiating evidence is not permissible. The following accounts listed on my credit report require investigation and correction due to their erroneous reporting. 
XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00}
Product: Debt collection

XXXX, XXXX XXXX # XXXX DOB XX/XX/XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX fl XXXX Attention to Argon Agency : Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. ( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). ( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. The reference items are listed below please take this matter very serious Aargon agency I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX # XXXX DOB XX/XX/XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX fl XXXX
Product: Debt collection

I contacted all of these companies and nobody response. According to FRCA section 605B. It is illegal to report information on my credit report without my permission. Thank you, and please remove this from my recredit report as soon as possible.
Product: Mortgage

After getting behind on my XXXX and XXXX mortgage with Ocwen Loan Servicing I agreed to a a deed in lieu of foreclosure to Ocwen and moved out of my house to avoid foreclosure. Since completing the deed in lieu I have continued to receive collection calls and letters from Ocwen and its assigned debt collectors for the XXXX mortgage that I no longer owe. This is harassment and I have met with an attorney to resolve this situation if my complaint with the CFPB does not resolve the situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance to the fair credit reporting act XXXX  account # XXXX, has violated my rights in Pursuant 15 USC 1681 section 602 A states i have the right to privacy. Also violated 15 USC 1681 section 604 A section 2, states a consumer reporting agency can not furnish an account without my written or oral consent/instructions.
Product: Credit card or prepaid card

I received my direct deposit for my paycheck on XX/XX/XXXX and transferred cash over to my " XXXX XXXX '' account in order to pay bills and make some purchases. I do this because a credit card is supposed to have more protections. You have to transfer cash or " prepay '' over the credit builder in order to use it- like a prepaid credit card. 

I paid some bills, bought a couple things and then went to bed. I wake up at XXXX XXXX to see charge for " XXXX  '' for {$450.00}. There was a " rejection '' of the charge email in my inbox as well. I canceled the card immediately by XXXX XXXX and then I clicked the " dispute '' for the transaction and submitted it with documentation. 

The thief/criminaXXXX also tried to charge {$450.00} a second time, then they tried {$220.00}, and then {$190.00}. The initial {$450.00} was the only one that cleared. A fraud alert was triggered and sent to me, but the {$450.00} was still cleared by my bank! I called Chime on Saturday to follow up with the report and spent 52 min 42 sec on the phone either on hold or being transferred around to different people and being read the same paragraph. They told me " the transaction must first clear '' before they can take any action. I called two more times for another 2+ hrs. in total and spoke with a " manager '' at one point that just kept repeating the same thing pre-written FAQ paragraphs from the website. 

They could do nothing until the charge cleared. I saw that the charge cleared on Sunday XX/XX/XXXX so I called them. They could do nothing. I called XXXX. I had made an XXXX account, but I hadn't accessed it since XX/XX/XXXX. I had no transactions and I had never uploaded a " payment method ''. I have the proof. I uploaded it to my dispute. XXXX could do nothing about the payment because credit card was used under someone else that they could give me access to. 

I received an email at XXXX am today XX/XX/XXXX saying " we've completed our investigation of your billing inquiry, and we've determined that no billing error occurred ''. Billing error!? I reported this as Credit Card Fraud! This is the first time I have ever reported fraud or made a " dispute '' for Chime. 

I will continue to make reports and try to get this money back that was stolen from me, but I now want Chime to be investigated and others to be safe from what I am having to deal with. {$450.00} of cash is huge for my family and I. 

Fraudulent Transaction : -Date of transaction : XX/XX/XXXX -Amount : {$450.00} XXXXDescription of Charge on the Account : XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX XXXX by Chime : repeated phrases saying they " can do nothing ''. They did next to nothing. They said the fraud was legitimate. 

-Actions by Me : canceled my card immediately, filed dispute, uploaded proof, multiple calls to Chime XXXX hours of research, calls to XXXX to try to get them to cancel/reverse/flag as fraud/etc., documentation. This is my first experience reporting a fraudulent charge to Chime. I don't think I will be banking with them from here on out.
Product: Credit reporting or other personal consumer reports

EXPERIAN, XXXX, XXXX is breaking the consumer law pertaining to : XXXX account # XXXX I've uploaded documents I need this corrected immediately and this is a violation I've lost thousands of dollars and mentally aggravation if this isnt resolved I will have no choice but to move forward with litigation. 
SSN XXXX CARD HOLDER
Product: Credit reporting or other personal consumer reports

I am not liable for this debit of {$830.00} with Diversified Adjustment Account number XXXX. I do not have a contract with Diversified Adjustment. 

I am not liable for this debit of {$4200.00} with XXXX XXXX, I do not have a contract with XXXX XXXX 


I am writing to dispute the accuracy of information on my credit report as provided under the Fair Credit Reporting Act ( FCRA ) Section 1681. I have recently reviewed my credit report and noticed several errors that need to be corrected on all credit companies ( XXXX, XXXX, XXXX ). 

The following inaccuracies have been identified on my credit report : XXXX. Incorrect Account Information : There are several accounts listed on my credit report that do not belong to me. I have never opened or used these accounts and would like them to be removed from my credit report. 

XXXX. Outdated Information : Some of the information on my credit report is outdated and no longer reflects my current financial situation. This includes accounts that have been closed or paid off but are still listed as active on my credit report. 

XXXX. Duplicate Entries : I have noticed that some accounts are listed multiple times on my credit report, resulting in an inaccurate representation of my credit history. 

I request that you investigate these errors and make the necessary corrections to ensure that my credit report is accurate and up-to-date. Please provide me with a written response detailing the actions taken to resolve these disputes within the required timeframe as outlined in USC 1681. 

I appreciate your prompt attention to this matter and look forward to receiving a response from you soon. Thank you for your cooperation. 

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

This is my Follow-up endeavor to tell you that I am a victim of identity theft and I complain to question specific items in my document coming about because of the wrongdoing. The items I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX A XXXX, VA XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXXXXXX XXXX XXXX, NC XXXX XXXXXXXX XXXX  XXXX BV XXXX, VA XXXX XXXX XXXX  XXXXXXXX XXXX XXXXXXXX XXXX VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  VA XXXX XXXXXXXX XXXX XXXX Balance Owed : {$300.00} XXXX XXXX XXXX Balance Owed : {$1300.00} XXXX XXXX XXXX Balance Owed : {$810.00} XXXX XXXX  XXXX Balance Owed : {$1200.00} XXXX XXXXXXXX XXXX XXXXXXXX Balance Owed : {$65.00} XXXX XXXXXXXX XXXX XXXX Balance Owed : {$280.00} XXXX XXXXXXXX XXXX XXXXXXXX Balance Owed : {$540.00} XXXX XXXX Balance Owed : {$440.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX Balance Owed XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX WI XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Requested a copy of my annual free credit report from equifax at XXXX XXXX XXXX XXXX and in the process I am told that the information that I provided did not coincide with their records and I would have to mail a request to them. I send them the information, and receive a letter from them again stating that the information did not coincide with their records. I have tried to dispute the personal information that they have and have not received any results.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried several times to remove inaccurate and unverifiable off of my report. This is hindering me and family from a financial goals and purchasing a home in the near future.
Product: Credit reporting, credit repair services, or other personal consumer reports

Creditor Name TRUSTMARK NATIONAL BAN Account number XXXX Date opened XX/XX/XXXX Account number XXXX Date opened XX/XX/XXXX 15 U.S. Code 1666 - Correction of Billing Errors ( b ) Billing error For the purpose of this section, a billing error consists of any of the following : ( 1 ) A reflection on a statement of an extension of credit that was not made to the obligor or, if made, was not in the amount reflected on such a statement.

( 2 ) A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof.

( 3 ) A reflection on a statement of goods or services not accepted by the obligor or his designee or not delivered to the obligor or his designee in accordance with the agreement made at the time of a transaction.

( 4 ) The creditors failure to reflect properly on a statement of a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of the accounting nature of the creditor on a statement.

( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required.

( 7 ) Any other error described in regulations of the Bureau.
Product: Mortgage

I have a FHA loan and Chase has been my servicer since XX/XX/XXXX. When I was a traveling contractor, I used to call in my mortgage payment over the phone. I was charged a phone pay fee and I believe that fee was between $ XXXX. I paid over the phone on and off until XX/XX/XXXX I believe as I was told it was free at that point since I had opened an account with them. I was on an OCC mandated foreclosure project between XX/XX/XXXX to XX/XX/XXXX. On this project, I learned that a servicer can not charge a phone pay fee on FHA loans. With that being said, I would like to have all of the phone pay fees that I was charged since the loan 's inception refunded back to me. Since I work in the mortgage industry and mostly as a contractor, I ran into some financial issues in XX/XX/XXXX as a result of the housing crash, which included taking pay cuts and paying my own expenses as a contractor. When I was laid off XX/XX/XXXX, I applied for the Home Affordable Unemployment Program ( HAUP ) and was approved to pay {$0.00} for the months of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I made my XXXX payment but also applied for the Home Affordable Modification Program ( HAMP ) the same month due to the forbearance. I was unable to make my XXXX payment because I was in between jobs but I made my XXXX payment. I was approved for a modification under the HAMP program in XXXX and started my trial payments in XX/XX/XXXX. I made all of my trial payments on time and my modification was finalized in XX/XX/XXXX with a first payment date of XX/XX/XXXX. I have been performing with on time payments ever since. However, the mortgage lates for that time period are still reporting on my credit report and I have yet to receive any principal reductions from the servicer for on time payments. I used to underwrite HAMP modifications at Chase. The HAMP guidelines required the servicer to correct mortgage lates after the HAMP modification was finalized and also gave a {$1000.00} principal reduction to the borrower every year for 5 years if payments were made on time. The mortgage lates are still on my credit report which has caused me to receive higher interest rates on auto loans, credit cards, etc. I have yet to receive any principal reductions to my principal balance to date and I have made on time payments on my HAMP modification since XX/XX/XXXX. I have called Chase twice about this and have not received an answer to date. I would like to have Chase 's regulator look into this matter and have these items resolved and/or provide further clarification. I appreciate your assistance.
Product: Credit card or prepaid card

Synchrony Bank has a consistent habit of reducing credit limits or closing under active accounts knowing that these actions have a massive impact on a users credit score. Recently I made a purchase using my Dicks sporting goods store and before my payment was due they lowered my credit limit. At the same time they reported my current balance, which was not due for XXXX business days. This is abuse of privilege and resulted in my credit score dropping XXXX points based on credit card usage at XXXX %. This is unfair treatment and can result in a cascading effect which could cause other card companies to reduce my credit limits based on a falling credit score. It also impacted my ability to apply for a XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The items I need deleted are listed in the report. I stated I an a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. 


demand under FCRA : Section 604 : 1. Permissible Purpose 2. My written authorization 3. Proof that I personally initiated this ( accounts. ) Either provide me strict proof or DELETE the item immediately. If you do not delete the accounts in 15 days I will take legal action.
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 XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX 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

My mother was contacted by a male that goes by the name of XXXX XXXX on XX/XX/XXXX. He reported that he was working for XXXX XXXX  and was reaching out to try and help lower interest on the credit card ( CITI CARD Mastercard ).. When my mother spoke with XXXX she was informed that for XXXX dollars that he could help them. Some of my mother 's personal information was shared to Mr. XXXX. However, nothing was signed on behave of this agreement. My mother and father both are elderly and were not sure of what they were getting themselves into. My parents did speak with me regarding this issue in XX/XX/XXXX and at that time we decided that it would be best if I took over their finances. 


My father did contact the CITI mastercard regarding being charged of the XXXX and he was informed by the company that there was nothing that they could possible do. I, executive of their estate, also contacted them and they notified me that there was nothing that they could do. My father also did contact the Federal Trade Commission as well as the Attorney General of North Dakota and placed a complaint with both companies. 

Since all of this has been reported and filed with other companies. This company continues to still contact my father with the last time being XXXX. In the past he has told my father that he is rude and would talk over him. If possible I would also like to place a complaint or grievance regarding poor customer service as it is my understanding that Mr. XXXX was disrespectful and very down grading when talking.