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

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 168b permissible purposes of consumer reports. 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. 

NAME : XXXX XXXX XXXX ADDRESS : XXXX XXXX XXXX  XXXX XXXX, XXXX ADDRESS : XXXX, XXXX XXXX XXXX AL XXXX XXXX XXXX, XXXX, XXXX XXXX  ACCOUT NAME XXXX XXXX XXXX  ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX  XXXX ACCOUNT NUMBER : XXXX ACOUNT NAME : XXXX ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX has violated my rights. On a list of inquiries : 15 U.S.C. 1681 Section 602 A. States I have the right to privacy ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It states, a consumer reporting agency can not furnish account without my written instruction.

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.

15 U.S.C. 1682c ( a ) ( 5 ) Section States : No, consumer reporting agency may make any customer report containing any of the following items or information any other adverse items of information, other than records of conviction of crimes, which antedates the report by more than seven years 15 U.S.C. 1681s-2 ( A ) ( 1 ) a person, so I'm not afraid of any information relating to a consumer to any consumer report agency if the person knows or has reasonable cause to believe that information is an accurate
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 XXXX XXXX, Account name : XXXX XXXX, has violated my rights.15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions15 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

I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$1200.00} XXXX  XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX XXXX XXXX Balance Owed XXXX {$0.00} XXXX  XXXX Balance Owed : {$2900.00} XXXX XXXX XXXX Balance Owed : {$1200.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, personal loan, or advance loan

I took out a title loan. I was paying every months, until I received fraud on my account. I was told to check for any data breaches. The data breach came from the company I received the title loan from. I sustained financial damage and losses due to the breach which cause me to be hind on my account by one month. The next month the same company who had my data breached, repossessed my XXXX XXXX.
Product: Checking or savings account

I was given the opportunity to respond to my previous Complaint ID XXXX, however, I missed the deadline due to XXXX situations. 

Since Chase Banks XXXX, XXXX XXXX failed to meet their deadline, I believe that its only fair to allow me to reply to, and comment on her inability and failure to stay on topic. 

Her response is a classic example of the mind set and methodology that is utilized and practiced by most manipulators in business and their personal life.
Product: Mortgage

- Broker Solutions Inc. DBA New American Funding ISAOA has been falsely identifying themselves as my loan mortgage company to my home insurance company XXXX XXXX XXXX XXXX XXXX XXXX XXXX from XX/XX/XXXX until XX/XX/XXXX. 
- My current loan mortgage company called XXXX, a trade of XXXX, bought my loan mortgage policy from Broker Solution in XXXX of XXXX. 
- I pay escrow which includes principal, interest, taxes, XXXX, and homeowners insurance. I have asked all companies to send me proof of payment showing proof of payment for my homeowners insurance - which they are not able to provide and have yet to provide to me. 
- This is caused a major financial stress and increase in monthly mortgage payment, escrow, property taxes, and unexplainable discrepancies on my mortgage statements and paperwork in which the company is not able to provide proof of nor explanations. 

Broker Solutions Inc. DBA New American Funding ISAOA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX NMLS XXXX Complaint Response Manager XXXX EXT XXXX Office
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 

Under 15 U.S. Code 1681e ( b ) Accuracy of report, whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to ensure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate of unverifiable information ( A ) general if, after any re-investigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate of 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 file of the re-investigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

Please remove the following item ( s ) from my report, immediately : Account : XXXX XXXX XXXX XXXX | {$10000.00} -This account is being reported inaccurately, please remove this from my credit report immediately.
Product: Credit card or prepaid card

Amount is over {$1000.00}, I had financial hardships in the past years while attending school and working two jobs. I still attend school and have become more knowledgeable about how credit works. I was young and took bad advice about getting a credit card. I was not informed about interest rates or what kinds there are. The credit card process was quick and given to me within 5 minutes. I honestly believe credit cards should be 21 and up. Point is, I had tried to connect with someone on this issue after I had missed payments after losing my job while attending school full time. The credit card company was hard to speak with because of either an accent or impatience. I am currently making payments of {$150.00} and it is crumbling me.
Product: Credit reporting or other personal consumer reports

Started equity line of credit on XXXX XXXX for {$85000.00} and left messages with assigned loan banker and her Supervisor and never received a call back this went on for 4 days. 
So on Monday XX/XX/XXXX called US Bank customer service department and was told it was denied. So I called again and was told that it was not denied and that we just needed to complete the application process which we had already done. 

Then when asking again for the status I told them my name and they already new that it was a co application with my husband and refused to talk with me but would talk with him. Talk about discrimination we were both upset..
Product: Credit reporting or other personal consumer reports

BANK OF AMERICA fraudulently used my nonpublic personal financial information by disclosing said private information to nonaffiliated third parties without my consent. I was never provided full disclosure of my privacy rights under the Gramm-Leach-Bliley-Act ( 15 USC 6802 ). BANK OF AMERICA is depriving me of my rights under the color of law ( 18 USC 242 ). and is attempting to collect extensions of credit by extortionate means ( 18 USC 894 ).

Said information was shared without authorization or consent to nonaffiliated third parties, including but not limited to XXXX by way of identity theft and said third parties are conspiring to collect extensions of credit by extortionate means ( 18 USC 894 ).
Product: Debt collection

i bought a XXXXXXXX XXXX XXXX XXXX XXXX  in XXXX XXXX XX/XX/XXXX came and went and no bill. i finally got a bill in XX/XX/XXXX and they were charging me interest for XXXX bill that i never got. i clled them on XXXX XX/XX/XXXX and was trying to pay the who ; e item off. and they refused to except my credit card payment. which under the ucc 3-603, the bill is considered discharged/payed off. i called them again XXXX XX/XX/XXXX and XXXX XXXX XXXX i told them that the bill is considered payed off when you refuse to except my payment. and again they refused to take the credit card payment. so on XXXX XX/XX/XXXX i get a call from admin recovery XXXX XXXX at XXXX XXXX. i had not even gotten a letter from him. first of all the call was left on my friends house phone with information about the debt that was personal. then when i called XXXX XXXX when i was wanting more time to think about all my options he started to treaten me with my credit, and also said he would call his clients and let them do what ever they wanted to do next. the clienst is not XXXX but td retail card servies/td bank. they do not have a license to do business in alaska. i am also an XXXX  ( XXXX ). so there is elder abuse here.XXXX XXXX  has a license to do business in alaska but the place in XXXX ak has no one in the office. this office is being run by a company in XXXX XXXX nv. they only come to ak once a month if that. i was under pressure to make a decission right then. i was not allowed to wait my 30 days under the law, so i payed them {$1000.00} on a credit card that i did not have to pay because it was already discharged under the ucc 3-603. XXXX XXXX told me that td bank does except credit and debt card payments. i have the recording from all of them. td bank and XXXX XXXX. i have the papers the i have kept. also td bank after six months must discharge the debt. thats their law. i have stuff i can send you in the mail. i have no way of putting it on my computer. i don't know how to attach it to the file.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the EQUIFAX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX, MA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX MA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I 'm in compete disbelief at the lack of credibility that this bureaus holds. I have submitted a multitude of disputes with evidence " validating '' my finds and indicating Equifax 's discrepancies. Without a shadow of a doubt you have confirmed your lack of wherewithal and utter failure at upholding the FCRA standards of practice 611 ( a ) ( 5 ) ( A ) ( i ). To state your investigation practices are blatantly incompetent is an understatement. I submitted a dispute roughly around XX/XX/XXXX. I am just now being notified of the results. The results are a complete contradiction of not only another investigation Equifax conducted but of the actual " debt collector '' falsely claiming I owe them. On XX/XX/XXXX XXXX XXXX informed me they have NO record of my debt and will be notifying you. So what investigation did you conduct? Who did you contact? What verification code did you issue, to verify your findings? At this point, it is very clear your response will be false on a number of plateaus. Please be advised, under the 15 U.S. Code 1681i, all unverified accounts must be deleted. Therefore, if you are unable to provide me a copy of validated proof that you have on file for EACH account listed on my report. You must REMOVE these accounts immediately. Upon doing, so I am requesting an updated report demonstrating the necessary corrections.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/XXXX  I received an email from the online bank Chime telling me that my password had changed on my account. Immediately following that email was another one verifying direct deposit. 

I do not now, nor have I ever had any business with Chime. 

The account was opened in my maiden name. 

I called and was able to close the account because I had the account number in the second email. Had I not had that, they were going to require that I give them the last 4 of my social security number in order for them to fix their mistake. 

I never received an email to say that an account had even been opened. 

However, they want me to provide the last four numbers of my social security number, and other sensitive data in addition to a full police report in order for them to verify the last four numbers of the social security number under which the account was opened. 

Why would I trust this company with such information? 

Why must they protect the person who committed the crime? 

I need this information to know whether my identity has actually been stolen. They refuse to provide any more information until I provide them with my sensitive data. 

They had no supervisor they could transfer me to not any other department they could transfer me to in order to resolve the issue. 

How can a financial institution be allowed to exist in this country under those circumstances?
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX Balance : {$13000.00} XXXX XXXX  XXXX XXXX Balance : {$15000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

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

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

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

XXXX XXXX of XXXX, I offered Bank of America, the owner of the house, $ XXXX for a home and the bank accepted the offer. At the time, the house was a short sale and scheduled for foreclosure and had a foreclosure sale date for XXXX XXXX. So, from the time Bank of America accepted my offer in XXXX I was told I needed to wait for the bank to provide a release letter to close on the home. The house had no appliances and had holes in the walls which I was told needed to be remedied before I could close. I wanted the house, so I bought and installed all the appliances and fixed the holes in the walls. Still anxiously waiting for months to get the release letter, in XXXX, the bank said that they wanted to re-appraise the home. So, in XXXX, after I had done all the repairs and installed all the required appliances the house appraised for $ XXXX more, $ XXXX. So, Bank of America told me they would not give me the release letter to close for the agreed to price that we had under contract of $ XXXX, they said I could n't have the house unless I paid $ XXXX and if I did not agree they would sell the house at the XXXX foreclosure auction. Of course the house appraised for more, I had made the fixes it needed and installed appliances, all from my own funds. It was unethical for them to not honor the offer they agreed to when it went under contract and to threaten not to sell it to me if I did not agree to their new price after waiting months for the release letter after the original agreed to contract. This was wrong. Since the bank was threatening to go through with the foreclosure sale if I did not pay the price increase. I felt I had no choice, although I felt this was very wrong. Under much duress, I signed the bank 's counter offer on XXXX XXXX, XXXX to acquire it before the scheduled foreclosure sale.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of dispute, particularly in the light of the recent CFPB lawsuit, highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies my financial institution in Zelle fail to investigate my claims adequately they inform me that recovering lost ones was impossible, and the tracking these transactions was unfeasible The CFPBS fines indicates that Zelle has not only neglected to protect consumers, but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Debt collection

A XXXX XXXX from a company called Receivables Outsourcing in XXXX MD called my cell phone, announced they were recording ( though Maryland is a 2 party consent state ) and immediately asked for my date of birth and other identifying information. I told him I would not share personal information with an unknown entity who called me and I asked for more information. He would not provide anything except the name of the company and hung up on me. I looked up the phone number and called them back asking that my cell phone number be marked Do Not Call. They cross referenced the number I was calling from and identified me by name but would not agree to remove the cell pohone from their dialer unless I provided personal information. In fact, a representative ( would not identify herself ) continued to lie and say they did n't have my information ( after she referenced my name ) and she would n't be able to remove my cell phone from their dialer. They would not provide information about the supposed debt without me disclosing personal information and I had never received anything in the mail.
Product: Credit reporting, credit repair services, or other personal consumer reports

The account XXXX XXXX is current, never on a past due. Please reverse the late payments because I have never made a late payment on this account ever
Product: Credit reporting or other personal consumer reports

This is NOT A DISPUTE. I believe the information being reported to be inaccurate. 
XXXX XXXX XXXX XXXXXXXX Balance {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously sent my written request to Equifax about blocking or removing all the information that is erroneous and fraudulent. However, that request was never granted or any feedback was never done by the agency. Now, I would like to ask for your help to get rid of these items or have Equifax get back to me with regards to the issue. Here are the items that concern me : XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX Balance : {$640.00} XXXX  XXXX Balance : {$2600.00} XXXX XXXX XXXX Balance : {$6300.00} XXXX XXXX XXXXXXXX Balance : {$890.00} XXXX XXXX Balance : {$2300.00} XXXX XXXXXXXX Balance : {$11000.00} Date Opened : XX/XX/XXXX XXXX XXXX Balance : {$1000.00} Date Opened : XX/XX/XXXX
Product: Credit card

Bank of America I put in my minimum payment of XXXX and they then did a second payment of XXXX without my authorization. I called they said they would reverse it but I have a feeling it will take a long time to process the reversal. I want to submit a complaint to ensure the reversal will happen in a timely manner. The payment of XXXX was never authorized by me.
Product: Debt collection

Hi i was getting back to the debt i had to pay which is {$630.00} from my XXXX account. I would not be able to pay that right now because i am not working so i would have to hold off on that for a minute until im working and have a chance to pay it but i dont know why i have to pay it because people was sending me money i think last year so then they start requesting the money back like months ago then not to long ago they cancel the request from me