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

List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX  XXXX XXXX XXXX has violated my rights. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX has violated my rights. 

I looked at my TransUnion XXXX XXXX credit report on XX/XX/XXXX, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer 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 according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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: Debt collection

I have been receiving multiple calls from a blocked number and a man named XXXX claims to be a compliance officer with the state of Virginia. He informed me he is not allowed to share his license number. Unfortunately I gave him my home address. He gave me a number to call and a case number. 

The phone number of the company is XXXX. The case number is XXXX. 

The lady I keep speaking to goes by XXXX. She claims the company name is XXXX XXXX and they dont have a company website. She informed me that they are filing a lawsuit for collection of an old loan I took out with Speedy Cash. I HAVE defaulted on the loan so I thought this was legit, but I have not been able to track down who owns the debt right now. I have received nothing in writing from this company. The lady said they are filing the lawsuit imminently, but it can be settled out of court if I will pay {$1200.00} to them. I was told they are filing three allegations against mebroken contract, bad checks, and intention to defraud. Everything is sounding so real, but when I ask for verifying information from them or the compliance officer, I get nothing. The lady I spoke with took my SSN and DOB because she wouldnt discuss anything with me if I didnt give it to her. I feel so stupid.
Product: Checking or savings account

On XX/XX/XXXX Chase received a phone call of someone impersonating me and sent a duplicate debit card to an address that I do not live at. XX/XX/XXXX I was contacted by a scammer who posed as someone from Chase Fraud to advise of suspicious charges. I verified I did not make them. They provided claim number and said they would send out new card and close current card. XX/XX/XXXX I received another call from scammer posing as Chase Fraud dept to verify, again, those were not my charges and to close the card ( previous agent didn't - so she said ) and asked for my PIN to verify. I, quite stupidly, provided after a few minutes of back and forth. A few minutes later i received another phone call from the first woman i spoke to on XX/XX/XXXX stating she wanted to ensure my chase fraud alerts were working and that she was going to send me one to ensure I am receiving. She said Chase worked with retailers such as XXXX and XXXX to create these " sample '' alerts and that I would be receiving one in just a moment. I did receive the alert while on the phone with her. It looked like any other fraud alert with the option to choose " Y '' or " N ''. She instructed me to select " Y '' and when i told her that I did not make that charge she said I know, this is just a sample alert and we are making sure they are working. Nothing will come out as this is not an actual charge being reviewed. I did so and we ended the call once she said she received the response and everything was working on their end. I didn't feel right so I checked my account a few minutes later and the charge did come out. ALong with XXXX more to a total of {$2300.00} I immediately called the number on the back of my card and the real Chase agent froze my account. The next day I went to my local Chase branch and spoke with the manager : XXXX XXXX. She closed the entire checking account during that visit and noted this all as fraud. 
Claim : XXXX Chase has denied my claim twice. The first time stating that since my physical card was used for the transactions- it must have been me. When i advised that Chase sent my card to someone else the case was re-opened. It was denied a second time because I selected Y when the fraud alert was sent to me. I advised that I was speaking to a " chase agent/scammer '' at the time and that was what i was instructed to do. Chase states that it is my fault and they will not approve this claim. I understand that I feel victim to this fraud scheme. When I asked what ramifications Chase will face for sending my card to an address that I don't live at/have never lived at the representative stated that since it was sent to my " geograhpical location '' that they did nothing wrong. 
I did not make these transactions ( as noted on my bank account ) : XXXX : XXXX {$3.00} purchase with {$1000.00} cash back XXXX : XXXX {$3.00} purchase with {$1000.00} cash back XXXX : XXXX {$1.00} purchase with {$100.00} cash back XXXX : XXXX {$1.00} purchase with {$100.00} cash back I am requesting help in getting my money back as Chase is unwilling to protect me against fraud.
Product: Credit reporting

XXXXcollection agency collected from me a debt for XXXX, amt {$390.00} on XXXX/XXXX/2010 & reported to Transunion, Paid on XX/XX/XXXX.2010. Yet it is still reporting delinquent by Transunion for XXXX years. That has effected my credit in a bad way. 
Please correct. 
Thank you.
Product: Checking or savings account

Ive been baking with Navy Federal for quite some time now and Ive seen that they are in a class act lawsuit for overdrafts and fee since 2017. During my time baking with Navy Federal Ive come across that issue and wanted to submit a claim. I also wanted to see what I needed to do to see if I qualify to submit on this matter.

Thank you
Product: Credit card or prepaid card

I have a loan with CAPITALONE. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX  and CAPITALONE with no successful resolution. XXXX, XXXX  and XXXX  were reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/2018.
Product: Debt collection

I am filing a complaint on ERC that has added a collection to my credit report on a debt that is more than 8 years old and should be deleted from my credit record once and for all. This account was with XXXX in 2007 then with XXXX that is logged several kinds of ways on reports to camouflage them selves this account must be delete from my credit report. Credit reports provided as proof.
Product: Debt collection

What happened? 
I received a notice of debt collection from Portfolio Recovery approximately 4 years ago. The amount was not recognizable to me. 

Dates : Occurred approximately 4 years ago. 

Amounts : The amount was not recognizable. 

Actions taken : I tried to understand the nature of the debt by looking at Portfolio Recoverys website. 

Company involved : Portfolio Recovery
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 16668 Section 604 A Section : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

Unauthorized inquiry on credit report equifax refuses to show proof of the investigation the did to verify. I have no knowledge of this inquiry
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 XXXX XXXX XXXX. 

Account name : # XXXX, # XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX States I have the right to privacy. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX It also states a consumer reporting agency can not furnish an account without my written instructions/consent XXXX XXXX XXXX ( a ) ( XXXX ) 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 XXXXXXXX XXXX. 

XXXX XXXX XXXX XXXX A ) ( XXXX ) 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 card or prepaid card

I have 2 accounts with XXXX XXXX Bank. A credit card and an auto loan. I mistakenly sent the XXXX loan payment to the credit card. I called in the minute I realized that mistake. I had to contact Elan Financial as they are the company related to the Credit Card account. The amount I paid was {$6500.00}. I called in on XX/XX/XXXX to have the amount reversed as I don't even have a credit limit that high on the credit card. They told me due to the large amount that I would need to call back on XX/XX/XXXX. I called back on XX/XX/XXXX and the representative told me she had reversed the amount and transferred back into my account. She told me it should show up in my bank in 2-5 business days. 
Today is XX/XX/XXXX still not credit in my account. So I call into Elan Financial again and they told me a check had been cut for the amount on XX/XX/XXXX and mailed out on XX/XX/XXXX. 
I was given the wrong information three different times. Meanwhile I am accruing daily interest rates on the auto loan I am trying to pay off. You don t lie to the consumer and you sure don't hold the consumers money hostage. It was not over the Federal Reserve XXXX deposit amount so please help me XXXXget my money back so I can simply pay off my auto loan.
Product: Debt collection

I CHECKED MY REPORT AND THIS CREDIT LOAN IS ON IT, WHICH I HAVE NO KNOWLEDGE OF.
Product: Credit reporting or other personal consumer reports

I am writing to make a several attempt to dispute and request the deletion of multiple fraudulent and inaccurate items on my credit report, which are causing substantial harm to my financial reputation. These items include an inaccurate name, incorrect addresses, late closed accounts, charge-offs, unauthorized inquiries, and a public record, all of which I believe have been reported in error. 

Here are the details of the fraudulent and inaccurate items that I am disputing as well as needs to be delete : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$67000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX It is crucial to emphasize that these inaccuracies are not a true reflection of my credit history. The incorrect name, addresses, late closed account, charge-off, unauthorized inquiries, and public record claims are all disputed, as they have caused significant damage to my financial reputation. I have never authorized or consented to the inquiries from the entities mentioned above, and I dispute the late closed account and charge-off claims as I have made efforts to resolve these issues, with supporting documentation. 

Under the Fair Credit Reporting Act ( FCRA ), you are obligated to investigate disputed items on a credit report and provide me with the results of your investigation within 30 days of receiving a dispute letter. Therefore, I kindly request that you : *Conduct a thorough and exhaustive investigation into the accuracy of my name, addresses, late closed account, charge-off, unauthorized inquiries, and public record on my credit report. 

*Contact the respective creditors, collection agencies, and entities responsible for the inaccuracies to verify the information. 

*Correct the erroneous information on my credit report to accurately reflect my true credit history. 

*Provide me with a written response outlining the results of your investigation and the corrective actions taken.
Product: Mortgage

I have been attempting to complete a modification with Mr. Cooper for quite some time now. Initially my mortgage had a hardship with Nationstar and it was sold to MR. Cooper. They told me they didn't have to honor it and that I'd need to start all over which I did, back in XXXX of 2019. Although I am supposed to have a dedicated point of contact, everyone except this POC calls me daily. Although I ask them to speak to one person so that it cuts down on confusion that doesn't happen. I have filed multiple complaints with them directly for a number of reasons and now feel the need to escalate : 1. Someone was placing notes on my account that they were reaching out to me to work out a payment arrangement and they never did. I ended up calling in to check on the status of the modification and found this out. I sent an email from their corporate relations dept thanking them for bringing it to their attention despite the fact that their actions could've been detrimental to my family.

2. They were sending people to my home daily to complete an " inspection '' and charging me for it. They also left large and rather embarrassing notes on my front door despite the fact that they were in some sort of contact with me on a consistent basis and after contact an attorney they sent me a letter stating that they were within their rights they would stop. If something IS indeed within your rights why stop??

3. They call multiple times a day non stop and their answer is they are entitled to call me up to 9 times per day. Even when I tell them I am in the hospital or recently released from the hospital.I comply with every thing they ask of me.

4. They are extremely rude and inhumane when they do call.

5. When they calculated my modification they used my food stamps as income which you can not do and there were updates that I sent them that they did not take into consideration and completely overlooked which caused me to have to decline the modification and start all over again.

5. There is an awful lot of back and forth with the modification which I understand some is necessary however I will get calls and letters in the same day with conflicting information and is hard to keep up with what is needed and what exactly is happening. I now have a HUD counselor to assist however MR. Cooper does not want to work with her but she is my eyes and ears and knows this process better than I do and she is the expert.

I want to remain in my home. MR. Cooper makes it hard for me to believe that I recover completely and feel safe that I can get the modification I need. Every call I hear your home is in foreclosure, your home is in foreclosure.That adds stress. Trust me I know my financial situation, I also know its temporary.
Product: Debt collection

I was contacted by someone at this phone number : XXXX ( XXXX ) XXXX. They claimed to be an attorney and legal processing service called XXXX XXXX XXXX. They also gave me a call back number of XXXX with a case number of XXXX. They threatened to take me to court unless I settled for an original principle balance. 

The original balance claimed was {$1400.00}. They stated with attorney and legal fees that amount would be {$3400.00}. The collector stated that the debt was originally sent to collections in XXXX until XXXX. They offered to settle for the original balance. I did not agree and they hung up on me. I called back and they said XXXX XXXX, wait for your summons and appear in court. I called back again and was met with the same response. I know the statute of limitations on this debt has passed. 

I havent had an account with navy federal since XXXX or XXXX. But I did call Navy Federal. Navy Federal said I had XXXX accounts charged off. One for a credit card with a {$500.00} limit and another for an auto loan with a balance of {$4300.00}. They further told me that my account is now with XXXX XXXX XXXX. The phone number given was XXXX. 

I didnt agree to pay anything, despite their threats because I knew my rights at the time of the call. I simply asked as many questions as possible to help this agency. Even if I owe Navy Fed anything, this debt has passed the legal statute of limitations, which I believe places the creditor in violation of cfpb statutes. Id ask that you please investigate.
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.

Att - Account # XXXX has violated my rights. 

XXXX XXXX XXXX XXXX # XXXX has violated my rights. 

XXXX / XXXX - Account XXXX has violated my rights. 

XXXX XXXX XXXX. XXXX XXXX - XXXX XXXX has violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

XXXX XXXX XXXX  XXXX XXXX XXXX XXXX has violated my rights. 

XXXX XXXX XXXX has violated my rights 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 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: Mortgage

I gave all of the information for my application over the phone on XX/XX/2022 that same day the XXXX XXXX XXXX with Accurate Mortgage XXXX TN, called back and told me the interest rate was 5.5 % she gave me the payment amount of {$2200.00} and closing cost were {$11000.00}. I told her to lock the rate and that Id like to proceed. On the XXXX I asked here where the XXXX was, that I hadnt seen it yet, she told me since I hadnt give her the real estate contract she hadnt locked it in. She then told me the rate went up and the payment would be higher. I then asked to speak with her manager and told him that I knew the laws and that I was entitled to an XXXX and the rate she quoted me. He then said he could lock the rate as it was at XXXX so I said ok. When he sent the XXXX the closing costs went up to {$17000.00} and they want me to sign the application dated XX/XX/2022. XXXX not comfortable signing an application dated 11 days after my application was taken and feel like Im being asked to lie to cover up their lack of compliance with TRID-RESPA. I finally received an XXXX  by email today Monday XX/XX/2022.
Product: Credit card

It's unreasonable, given that I've consistently made payments on this account promptly without any delays. Kindly adjust my account to reflect the correct payment history.
Product: Credit reporting, credit repair services, or other personal consumer reports

Unauthorized inquiries reporting on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

EXPERIAN HAS SUPPLIED INCORRECT DISPUTE ADDRESS XXXX XXXX  XXXX. I WAS INFORMED BY USPS THAT EXPERIAN HAS BEEN NOTIFIED BY USPS THAT XXXX XXXX XXXX IS INCORRECT AND THEY STILL HAVE NOT REMOVED THE INCORRECT ADDRESS FROM THEIR WEBSITE. THIS HAS AFFECTED COUNTLESS CONSUMERS. THIS IS INTERFERING WITH CONSUMERS RIGHTS AND FAILURE TO ALLOW CONSUMERS TO PROPERLY ADDRESS ERRORS AND INACCURATE INFORMATION IN ACCORDANCE WITH FCRA. Experian XXXX. XXXX XXXX XXXX, TX XXXX. THEY ARE PURPOSELY INTERFERING WITH CONSUMERS RIGHTS. THEY HAVE BEEN NOTIFIED AND HAVE NOT FIXED IT AND ARE GUILTY OF LAW VIOLATIONS
Product: Credit reporting or other personal consumer reports

XXXX XXXX hasn't done any investigation and has hurt my credit file keeping me from purchasing a home, because if a low XXXX XXXX.
Product: Mortgage

In XX/XX/XXXX, I was granted a divorce from my ex. In the decree, it stated that she had 90 days to refinance the home in her name. It has been four years since then and now I have learned that there has n't been a payment made since XXXX of XXXX. This has greatly decreased my credit score in such a manner that I can not qualify for loans for autos or a home. The current mortgage lender handling the loan is XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I am experiencing issues with incorrect information being reported to the credit bureaus. Despite my attempts to resolve the problem, the credit bureau has not taken any action to correct it, and it has now been more than 30 days. 

I have attached the documentation showing the inaccuracies. The records display different open dates and active statuses, with some accounts marked as open and others listed as closed. 

XXXX XXXX XXXXXXXX.
Product: Money transfer, virtual currency, or money service

I sent a wire transfer for USD {$10000.00} on XX/XX/2022 from XXXX XXXX  in XXXX XXXX XXXX where I live. The next day I was informed that the account number was incorrect and the recipient rejected it. I returned to the XXXX branch I sent it from ( XXXX XXXX XXXX branch, my local ) that same day and canceled it, and was informed that I would receive the funds on Monday XX/XX/2022. Since then I have struggled to get the money back with no success. I have spoken to XXXX personnel numerous times and all I get from them is that the hold up was Chase bank who would not release the funds. XXXX XXXX wire office has reportedly sent them instructions to reclaim the funds twice. It is now 20 business days since I canceled the wire with the bank officer and I still don't have the money back.
Product: Credit card

XXXX reports a $ XXXX charge from XXXX on my credit report. I do not have this credit card nor have I made a purchase on that site. I am not sure how to prove that I dont have something.
Product: Money transfer, virtual currency, or money service

I was using a Bank of America Atm and it took my cash on a deposit which was never posted by the bank its was about XXXX