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

I was denied a loan by XXXX XXXX XXXX after two inquiries provided misleading and inaccurate information. The two companies that provided the derogatory information were Transunion and XXXX XXXX. I have requested specific information from all three entities to elaborate on this information used against me and gotten no response.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have no association with the mentioned creditors, and I did not initiate the inquiry in question. I kindly request that you promptly remove this inquiry from my credit report as it is inaccurate and does not reflect my credit history.
Product: Debt collection

Midland credit has called me 5 times before XXXX XXXX  today. Upon picking up she immediately threatened me by saying she was helping me avoid a lawsuit. I simply told them to stop calling and they deny calling as many times as they have. My phone records beg to differ. Each time they call, they call twice! 

The second part of threatening a lawsuit is a much bigger deal. That is not allowed and is highly unethical.
Product: Checking or savings account

My TCF debit card was hacked on XXXX XXXX. I called on XXXX XXXX to dispute the charges. I answered the same questions 3 times, asked for my card, my husband 's card, and my daughter 's card to all be shut off, and got a police report. On XXXX XXXX I received a fraud alert on my phone that more charges had been made. I called the number on the text message and was told that since the charges happened on my husband 's card, they could not talk to me. I asked why they were continuing to allow charges to be made to an account that was now XXXX overdrawn, and they refused to speak to me. My husband called one hour later and answered all the same questions I had answered and asked that our cards be closed and the account closed in full. Since these phone calls have been made, TCF has continued to charge us overdraft fees ( 5 fees of XXXX dollars each ) and they authorized yet another fraudulent charge yesterday, XXXX XXXX. I have been on hold for 30 minutes today trying to address the matter.
Product: Checking or savings account

I opened a Chase savings account on XX/XX/20 and deposited a {$2500.00} and {$5000.00} check. Due to undisclosed reason, Chase shut my account down on XX/XX/20 and send a {$2500.00} refund check not the {$5000.00}. It has been more than 30 days and I have contacted Chase several times but no one could give me a straight answer as to when they will release the remaining {$5000.00}. Typical response is per their terms and conditions at account opening, Chase has the right to close the account and hold on to money indefinitely for a variety of reason. Chase is abusing their power as a financial institution and arbitrarily hold on to my money long after the check cleared with no issues. Questions are always answered with reference to their lengthy terms and conditions buried in the service agreement.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX Acct- XXXX, XXXX OF XXXX XXXX, XXXX XXXX  XXXX ACCT : XXXX, XXXX  XXXX  ACCT : XXXX, XXXX XXXX XXXX XXXX XXXX : XXXX, XXXX XXXX XXXX : XXXX, DEPT OF ED ACCT : XXXX, DEPT OF EDXXXX XXXX, DEPT OF ED/XXXX XXXX, DEPT OF ED/XXXX XXXX XXXX DEPT OF ED/XXXX XXXX DEPT OF ED/XXXX, XXXX, DEPT OF ED/XXXX  XXXX, DEPT OF ED/XXXX  XXXX, XXXX  XXXX ACCT : XXXX, DEPT OF ED accounts : 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.SC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
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. 

I told the XXXX, Transunion, and XXXX to reinvestigate these accounts : Account name : XXXX XXXX XXXX XXXX  However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case
Product: Credit reporting or other personal consumer reports

Submitted dispute through TransUnion for credit inquiries that did not belong to me. Called, was told I had to send in a letter sent in a letter back in XXXX still have not heard anything, inquiries have not been removed.
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you that I am a victim of a data breach, and as such, I request that all accounts and inquiries mentioned below be blocked and deleted in accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). These accounts are the result of fraudulent activity following the breach of my personal information. 
Please block and delete the following accounts, as they were opened or accessed without my consent : Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

I am writing to formally address your agency 's failure to remove certain items from my credit report, despite my dispute letter sent over 1 year ago ( XX/XX/2023 ). In that letter, which is both dated and time-stamped, I provided clear evidence and requested the removal of specific items. However, these items remain on my report, which directly violates my rights under the Fair Credit Reporting Act ( FCRA ). Additionally, as outlined in 15 U.S. Code 1681b, Permissible Purposes of Consumer Reports, I have never provided written consent for your agency to report any information on my consumer report. Lack of consent constitutes Identity Theft, and therefore, these accounts must be deleted immediately. XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed a Bankruptcy reporting on my credit file back in XXXX 2017. I advised the information being reported was inaccurate and asked for Equifax to remove the BK. While the dispute was in process, I received an updated credit alert from XXXX showing the BK was removed from my credit file. I also called and spoke with a representative and they verified no longer was there a BK reporting. On XX/XX/XXXX, I received a letter from Equifax with confirmation stating a result from there re investigation stating they verified Public Record Information of a BK with a third party vendor by the name of XXXX Consumer Center. I immediately contacted XXXX to verify what is listed on my consumer file with them and the representative advised they DO NOT SHOW any public records at all on any of my consumer files with them and Equifax could not have verified this information with them. 
Equifax continue to make illegal updates on my credit file and they continue to report inaccurate information as if they have verified this information and they do not verify as well, as the inquiries on my credit file that, they fail to assist me with disputing the inaccuracy of things being reported on my credit file.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Consumer Loan

I have contacted Chrysler Capital more than 10 times reference the current payments of {$490.00} on a {$6300.00} balance with a maturity date of XX/XX/XXXX. My car was a total loss on XX/XX/XXXX, my insurance company XXXX issued a check in the amount of {$14000.00} dated XX/XX/XXXX to Chrysler Capital and the automobile GAP coverage issued a payment of {$7700.00} on XX/XX/XXXX to Chrysler Capital. My request to Chrysler Capital is to adjust the payment amount to the maturity date XX/XX/XXXX which did not change from the original amount of months to pay. I have paid on the account but they determined that the payments was only applied to interest which shows that the company is doing whatever they want to the customers. If calculated the payment should be around {$210.00} per months. The current payment of {$490.00} * 34 months remaining on loan, would add up to payments of {$16000.00} based on the maturity date. I need help I want to pay the amount i owe but based on my contract maturity date. I am only asking them to adjust the payment to the maturity date simple math. I called them several times the customer service representatives were rude, forward calls then ended the call before connecting to the supervisors, request for supervisors call back never materialize.
Product: Checking or savings account

During the relevant XXXX to XXXX period, I was a customer of Wells Fargo Bank in XXXX, MN, harmed by the banks unsafe or unsound sales practices, as described by the enforcement actions on or about XXXX, XXXX by Office of the Comptroller of the Currency ( OCC ), and the Consumer Financial Protection Bureau ( CFPB ). Wells Fargo was ordered to contact, and make restitution to customers who were harmed, such as myself, but has not contacted me. I am not a customer of the bank currently. The sales practices the OCC found to be unsafe or unsound included the unauthorized opening of deposit or credit card accounts and the transfer of funds from authorized, existing accounts to unauthorized accounts. In my case, I had Wells Fargo checking and savings accounts and WF branded visa debit and ATM cards. I worked then as a XXXX XXXX of several different agencies, had a low income, and wanted an account to deposit paychecks, receive direct deposit, receive tax refunds, and use an ATM, I found that money was constrantly shifted between accounts without my knowledge, causing overdraft and other fees, that wohk explode into negative balances, and I was having my accounts closed, then reopened without my knowledge or consent. Direct deposits, and scheduled payments would fail, my ATM card would be declined, or I would go to the bank Friday to make a paycheck deposit, and find that my ATM card and accounts would be closed. The teller would inform me that this was due to '' inactivity '', because I had not returned a " personal banker '' sales call, or they would have no explanation, but always cheerfully opened new accounts and cards in minutes. I had to go along of course if I wanted to have any money from my check that weekend. Until I saw this consent order I had no idea why this happened numerous times. Customers eligible for restitution include those who were financially harmed as a result of the unsafe or unsound sales practices. I was financially harmed as well as subject to needless hardship, and frustration. My bank was in a low income of XXXX XXXX, so I assumed Wells Fargo did not want my business, since I was not wealthy. I felt powerless to complain because I needed a checking account and ATM card, and feared WF would put me on the XXXX black list if I did not pay the fees and overdrafts and accept all these and  churned closed and opened accounts. I am concerned that Wells Fargo will try to shift the burden of the investigation on me, but it is not reasonable to expect a customer to provide the bank with records of acts done " without their knowledge or consent '', to make a claim, since by definition these are sales and internal records that are non public Wells Fargo has sole, exclusive access to these records, and it was apparently part of an internal sales commission program out of my control. For good cause shown, I respectfully ask your agency to investigate, facilitate my claim for restitution in this matter ; and advise me, or take any action on my behalf you find appropriate.
Product: Credit card or prepaid card

On XX/XX/XXXX our CitiCard was charged {$3300.00} related to XXXX XXXX XXXX XXXX, apparently a nonprofit in California. I called Citi and was instructed to call the vendor to see if they would refund the amount and was also referred to the Fraud department. I called the number on the charge and there was no answer. I looked up the entity online and called the number noted and got the owner. He denied ever seeing that charge and they dont process charge cards. His address and number differs from that on the charge. I related this to the fraud department but they said they didnt need it and would handle it. They charge was temporarily removed. I received two messages from them on XXXX and XX/XX/XXXX that said the investigation was in progress and they would reach out if they needed further information. Today, XX/XX/XXXX, I received a letter stating that the investigation was closed because I had not responded to a request for further information but I never received a request for more information. The charge has been reposted on my account. My wife and I have never donated to this vendor and he denied having any donations of that size. This is clearly fraud. I called but they were unhelpful since the fraud department isnt open on Saturday.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX
Product: Debt collection

I keep getting calls from XXXX. Today XX/XX/XXXX, at XXXX est I get a call asking for XXXX and saying I have a XXXX loan from XXXX from Indiana . This is incorrect. I never took out a loan. I told them if they have my number, they have my address to mail an itemized bill to me. He repeats an Indiana address that is not mine. I told him he has the wrong person, to which he gets annoyed and says " I gave you the information bc you said yes ''. I tell him that I never said Yes. Asked him to repeat the name and I hear a name XXXX. I think? I said that is the wrong person. He claims he will put me on a no call list but I'm not sure. He seemed like he was trying to scam me.
Product: Mortgage

My name is XXXX XXXX, owner of the property at XXXX XXXX  XXXX XXXX, XXXX, DE XXXX ( Mortgage Account # XXXX ). I am writing to report and complain about Select Portfolio Servicing, a Mortgage company. 

In XXXX, I bought my property at XXXX XXXX XXXXXXXX XXXX, XXXX with a XXXX XXXX XXXX mortgage lender for {$230000.00}. My family and I lived in the house until XXXX when my wife filed for divorce after completing her XXXX graduate education. The Family Court ruled that we sell the house against my will and asked me to move out while my wife stays there until the sale. I immediately communicated with SPS about the sale - short sale. They repeatedly requested documents upon documents including my divorce decree, paystubs, and every possible requirement which I provided. I also secured two realtors, XXXX XXXX XXXX and XXXX XXXX who helped spent over {$15000.00} on renovating the property. SPS approved short sales over five times. 

In the process, we found more than five ( 5 ) buyers, but SPS refused to let us sell the property. We even found buyers after renovations who were willing to buy the property for over {$200000.00}. Every time we are about to proceed to close, SPS will reject the offer to the point that our last offer from a buyer which was {$220000.00} was rejected. Yet, SPS decided to put the property up for a XXXX 's sale for {$170000.00}. The clear motives of SPS are fraudulent. The endgame is to take the property from me by force and then turn around and sell it to make double profits.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX Trans Union has sent me a copy of my report, stating that XXXXXXXX XXXX XXXX account number XXXX was Verified and updated. This is incorrect Transunion has reported on my credit report, that the date account opened is XX/XX/XXXX and date account closed is XX/XX/XXXX this is a violation 15 USC 1681 ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. By reporting a inaccurate report on my credit report is a violation to me, Congress made it clear that Credit Reporting Agencies must be 100 % accurate no exceptions made. 
I've Downloaded through CFPB Portal the inaccurate Dates that is shown on my Credit Report.
Product: Credit card

I have always ensured that payments on this account are made on time, avoiding any overdue amounts. However, I am unsure why there are reports of late payment remarks on my accounts. According to 15 USC 1666b - Billing Error, this should be rectified.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Fair Credit Reporting Act requires that the credit reporting agency report accurate information. XXXX XXXX XXXX has me in collections for XXXX accounts. Original collectors reported as XXXX XXXX for {$560.00} and Easy Money {$610.00}. I am reporting both for predatory lending targeting a certain economic group and using unlawful practices for monetary gain. This is a violation of my rights under the Fair Credit Reporting Act Title 15 us code 1663 Advertising of open end Credit plans. 15 US Code 1691 D2 Each applicant against whom adverse action is taken shall be entitled to a statement of reasons for such action from the creditor. 15 US Code 1692 A Abusive Practices There is abundant evidence of the use of abusive, deceptive, and unfair debt collection practices contribute to the number of personal bankruptcies, marital instability, to the loss of jobs, and to invasions of individual privacy.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX partial account # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Debt collection

Payment arrangements have been made to Portfolio recovery monthly in the amount of {$250.00} per our settlement arrangement. They have taken my first XXXX payments out and applied it to my account. They have not taken the last XXXX payments that I have wired to them and applied it to my account. I have difficulty trying to understand anyone that works for that company and they are not working with me to resolve this issue.
Product: Credit card or prepaid card

I had fraud on my account on XX/XX/XXXX two separate charges of XXXX   from a financial services company and called to report it. I was told I would get a new card in 4 to 6 days and I never received it I called and tried to find out what happened they didnt update my address. ( wich I have them multiple times ). Repeated this process 3 more times and now here I am over 30 days later still with no card. They told me that since my pin was entered they had to charge the XXXX back to my account and said I was responsible to pay it. I was told they would credit me XXXX dollars back into the account for the inconvenience instead they took XXXX out of my account and said it was to cover fees that I was told was going to be waived. So basically someone stole money out of my account and they charged me for it. I had supervisors hang up on me and I have been threatened. I have names of the people I spoke too and I have saved on my phone all the days I called and they record every call. I have been lied to and thrown under the rug for a month and still have no resolution from capital one. She also confirmed that I was in my own words XXXX