23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I got scammed by someone impersonating Mercari Customer Service. I filed a report to the FBI, internet Crime Complaint Center, and contacted the XXXX attorney general 's office. I was transferred to the customer protection service division or complaint center I believe. I was told to file a complaint on this website. I started receiving text messages from the scammer/impersonator, XXXX XXXX XXXX. I also received some scam emails from someone pretending to be from Mercari Customer Service, XXXX XXXX XXXX. I was told my Mercari account was limited and it could only be resolved if I purchased {$500.00} worth in XXXX gift cards. I purchased {$500.00} worth in XXXX gift cards by XXXX credit card on XXXX. Big mistake and was told I would be refunded to my Mercari balance not to worry. I never was I was only told to send another {$500.00} worth in XXXX gift cards. I ended up going to XXXX  in person and purchasing XXXX {$50.00} XXXX gift cards totaling {$500.00} I believe. I regret sending more gift cards to the scammer as I was still never refunded. I was told to send even more money this time $ XXXX. I then realized it was a scam. I even contacted the legit Mercari customer service by email and was told yes it was a scam. Mercari would never have me send gift cards even if my account was limited. I tried to dispute the charges with my credit card company, XXXX. Unfortunately, since gift cards were purchased I was unable to get the {$1000.00} total I lost back. XXXX is claiming I'm responsible for all charges and unfortunately I can not afford these charges. I barely have {$1000.00} in my bank account right now and I've been unemployed.
Product: Mortgage

Hello, I refinanced to a HELOC with Citizen 's Bank in XX/XX/XXXX During that time, I had flood coverage from XX/XX/XXXX to XX/XX/XXXX However, I was unaware my X did not renew due to COVID XX/XX/XXXX to XX/XX/XXXX OR XX/XX/XXXX to XX/XX/XXXX I was notified by Citizen 's on XX/XX/XXXX that {$3200.00} was deducted from my HELOC for policy year XXXX Citizens 's also deducted {$780.00} to cover from XX/XX/XXXX to XX/XX/XXXX, as I got coverage effective XX/XX/XXXX to XX/XX/XXXX Please know that my policy 's annual premium is only {$850.00} My questions are : Does Citizens have the right to arbitrarily deduct {$4000.00} from my HELOC? Wiping out all the equity I built up? 

Do they have the right to deduct $ in XXXX for policy years, 2 years back? No claims were ever filed. 

Lastly, they did not purchase a policy, but just deducted {$4000.00} from my account. Why such an expense? There was no basis for it at all.
Product: Payday loan, title loan, personal loan, or advance loan

As per the stipulations laid out in the Fair Credit Reporting Act under 15 USC 1681 section 602 ( a ), it is emphasized that consumer reporting agencies must conduct their duties with fairness, impartiality, and utmost respect for consumers ' privacy rights. Companies like XXXX and XXXX fall under this category of consumer reporting agencies, while I, as the consumer, retain the right to ensure the confidentiality of my personal information, as reinforced by 15 USC 6801. This statute underscores the obligation of financial institutions, including those providing information to credit agencies, to uphold customer privacy and safeguard their nonpublic personal information. 

In accordance with 15 USC 1681 section 604 ( a ) ( 2 ), it is explicitly outlined that consumer reporting agencies are only permitted to furnish a consumer report upon the written instructions of the concerned consumer. Neither the financial institution furnishing information nor the consumer reporting agencies, namely XXXX and XXXX, possess my explicit consent to disseminate such information, be it verbal, non-verbal, written, implied, or otherwise. Any purported consent previously granted to these entities is hereby revoked. 

Further legal provisions, such as 15 USC 6802 ( b ) ( c ), establish that a financial institution can not disclose nonpublic personal information to nonaffiliated third parties without providing the consumer with an explanation of how they can opt out of such disclosure. However, the furnisher of information to credit agencies failed to inform me of my right to exercise this nondisclosure option.

Moreover, under 15 USC 1681C ( a ) ( 5 ), consumer reporting agencies are prohibited from including adverse information in a consumer report without authorization. This includes adverse information that exceeds seven years from the date of the report, as per the law. Therefore, the inclusion of adverse information concerning this account without my consent constitutes a violation. 

According to 15 U.S. Code 1681s2 ( A ) ( 1 ) and 15 U.S. Code 1681e, entities are prohibited from furnishing inaccurate information to consumer reporting agencies and must maintain reasonable procedures to ensure compliance with the statutes governing the furnishing of consumer reports. XXXX and XXXX 's failure to uphold such reasonable procedures is evident in their actions. 

Additionally, 12 CFR 1016.7 grants consumers the right to opt out of reporting services at any time, a right I am exercising now. 

Therefore, I demand that XXXX, XXXX, and any entity furnishing information to credit agencies cease their reporting services regarding my personal information immediately.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Experian for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Experian consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Experians actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPBs recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Experian complies with federal law and provide consumers with the the necessary proof of investigation.
Product: Credit reporting or other personal consumer reports

I am writing to formally lodge a complaint regarding unauthorized hard inquiries that have appeared on my credit report. I have recently reviewed my credit report and noticed several hard inquiries from companies listed below that I did not authorize. 

- Company : XXXX XXXX  XXXX. Date of Inquiry : XX/XX/year>. 
- Company : XXXX XXXX, XXXX XXXX. Date of Inquiry : XX/XX/year>. 
- Company : XXXX. Date of Inquiry : XX/XX/year>. 
- Company : XXXX XXXX XXXX. Date of Inquiry : XX/XX/year>. 

Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681s-2 ( Responsibilities of furnishers of information to consumer reporting agencies ) and 15 U.S.C. 1681i ( Procedure in case of disputed accuracy ), I have the right to dispute any information that I believe is inaccurate or incomplete. Since these inquiries were made without my consent, I believe they are in violation of the law, and I request that they be removed from my credit report. 

I urge you to investigate this matter and take appropriate action to eliminate these inquiries. These unauthorized hard inquiries negatively impact my credit score, and I am concerned about their effect on my financial well-being. 

Please inform me of the steps you will take to rectify this situation. I appreciate your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

Why until now these incorrect information are still here it's been a while since I've done this I have filed a complaint with the FTC for these accounts why so far there is no action. And I also received a letter from the bureaus saying that I am not the one who will send the letter for the bureaus, this is wrong because I am the one who will send my letter, here are the lists of negative accounts that I want as soon as possible
Product: Credit reporting or other personal consumer reports

XXXX is reporting a school loan open on my account for amount of over XXXX. I have only attended XXXX school XXXX  in VA, graduated in year XXXX. That school loan has been forgiven due to XXXX for the amount of XXXX. XXXX is reporting a school loan stating it was from XXXX years ago and I have not attended any other college. I would greatly appreciate help with this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to file my taxes and I was told by my consultant that my identity has been stolen because someone had already filed under my social security. I then pulled my credit report to see what all has been opened under my name. There was an outrageous amount of unknown, suspicious items I am familiar with. Please remove these items from my report.
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX Balance : {$100.00} XXXX XXXX XXXX XXXX Balance : {$100.00} XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX  XXXX  XX/XX/XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX erroneously reported that I was 30 days past due in XX/XX/2019 on my account ending in XXXX. In fact, I made two payments on said account during the month of XXXX and they have refused to remove this error. I reached out to them on or around XX/XX/2019 and the representative did not address what I asked them to address. He mentioned that I missed a payment in XXXX and when I proved it to him that the company was in error, it was not corrected on my credit profile on all three bureaus. I am requesting that this error be removed from my credit profile on all three bureaus ( XXXX, Equifax and XXXX ) as it hinders me from securing credit in the future. I plan to continue my relationship with XXXX XXXX moving forward and I am just simply requesting that the error they made be corrected as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this complaint because has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts under Section 611 ( 5 ) ( A ) of the FCRA- they are required to. Promptly delete all information which can not be verified. Please resolve this manner as soon as possible thank you.
Product: Credit reporting or other personal consumer reports

15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet all Persons/Corporations are reporting this information. The reporting of excluded information pursuant to 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of the consumer Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that any account that negatively reflects has been " validated '', let 's be clear that I am not asking you to validate or verify anything. Please do not respond saying that as a tactic to waste my time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of the IRS form 1099-C Cancellation of Debt. XXXX and other Reporting Agencies/Creditors reporting Collections/Charge-Offs, late payments/ALL other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted Overview with the Internal Revenue Service against ALL entities involved if ALL derogatory information is not deleted from my consumer report within 30 days of I will forced to officially file IRS form 3949A : Information Referral AND IRS form 211 : Application For Original Information.
Product: Credit card or prepaid card

Transaction took place with JPMorgan Chase XXXX, XXXX XXXX, XX/XX/XXXX I have several accounts with JPMorgan Chase, XXXX credit, master credit card, saving, and checking and I am a customer since XXXX. Never seemed to encounter a problem with this bank... .. till now!! I disputed a charge of {$3000.00} from-to XXXX XXXX XXXX XXXX. The contractor was very dishonest not truthful and did terrible work. I contacted chase XXXX and advised of my problem with this company, chase XXXX credited me the full amount of {$3000.00} back to my visa credit card in XXXX of XXXX. Never advised this credit could be reversed, however, I still monitored my accounts on a regular basis and there was no indication or information of a problem showing on my accounts. I also did not get an email to alert me of a problem on my XXXX  account. I then received a letter in XX/XX/XXXX requesting to fill out a form to continue with the dispute. The letter advised to have the form completed and mailed back between " XXXX '', I never received this letter " till after the due date ''! I immediately contacted visa and was advised as they did not receive the completion of the form requested in time the credit was reversed and the case will " never '' be reopened again!! Never the less after receiving the mail XXXX day late after the due date I send in all prove immediately to show this was a dishonest XXXX and hoped this case was going to be reviewed again. I spoke with supervisors and representatives throughout the month of XXXX and XX/XX/XXXX to prove my case was allegement. At XXXX point of time it actually looked like something was done but then I received a letter this case is closed and the credit will never be reversed. I never was told why this dishonest company was given the credit. Chase never gave me a reason why this decision was made, never send me the information this dishonest company gave them. It looks like chase visa reversed the credit only not having received the documents in time. Read some complaints about chase and I am not the only one not received the mail from chase in time in XX/XX/XXXX. I am XXXX yrs. disabled living alone and was taken advantage off by this company and I want justice done by chase HELP
Product: Credit reporting or other personal consumer reports

This was an item I do have XXXX that is correct. I was trying not to overdo but find out if it was during the same time frame as other places on all XXXX reporting agencies so I only wanted to ask. I in this area had mail at my residence. If it was a different timeframe it is possible but if it has no impact I can not know if as with other places if it is opened by someone with my information. It is possible but if it does not impact either way I am unsure. Meaning likely not. But if they do have something that shows that it was mine that is fine. Not a complaint but unlikely to have more than XXXX in same area if same time frame as mentioned it would be before legal name change. Thank you
Product: Checking or savings account

Date : XX/XX/2022 To : Chase Bank, XXXX XXXX XXXX XXXX, VA From : XXXX XXXX Subject : Check from XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I am writing this letter to obtain funds that are in a closed Chase Bank Account. I deposited a check in the amount of {$3000.00} from XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX NC XXXX Into a Chase Account which has now been closed and the bank will not refund the amount of {$3000.00} I was told by a teller at the XXXX XXXX if my Mom came into the bank with 2 forms of identification, the check would be mailed back to her. On Friday, XX/XX/2022, my mother, XXXX XXXX, and I jointly visited the Chase Bank on XXXX XXXX, XXXX XXXX My mother presented the two forms of identification and was told she could not receive the check because the bank was not able to verify its authenticity. 

We were given a toll-free Chase telephone number to call. Upon calling the XXXX Chase telephone number we were provided the following information : The representative informed us that the check was being mailed to my mother at her home address, wait for 8 to 10 days to receive it. 
After not receiving the check within the 10-day window, another call was placed to Chase. During this call, we were told that XXXX XXXX XXXX would need someone from their bank in North Carolina to come to a Chase Bank to verify the validity of the check. We explained that this is the Electric Company in the State of North Carolina, and they are almost three hours from XXXX, VA. 
The other option given was to have XXXX XXXX XXXX bank request the funds which would be difficult to do since this was a grant-funded project. 
Another call was placed with the Chase XXXX number on XX/XX/2022. During that call we were told the XXXX XXXX XXXX does not appear to be a legitimate company and we are unable to get the money back, however, the check will probably be turned over to the State of North Carolina as unclaimed and we would need to check that website. 

This is a very difficult situation and the funds are needed to pay outstanding debts. Attached is a letter from the agency that dispersed the funds. Every time we reach out to someone on the XXXX telephone number, we spend about 2 hours waiting for a representative to come on the phone. This has caused hardship during a pandemic when all of my mothers expenses are continuing to mount up because the money continues to be frozen in an account at Chase. Please help us to resolve this matter without me contacting XXXX XXXX XXXXXXXX XXXX XXXX for assistance. I can be reached at XXXX or XXXX. Thank you for your assistance with this matter.
Product: Credit reporting or other personal consumer reports

ATTN : CFPB RE : Inaccurate Reporting XXXX XXXX XXXX I XXXX XXXX am filing this complaint against XXXX XXXX for reporting information inaccurately on my credit report. 
According to15 U.S. Code 1681- Congressional findings and statement of purpose : 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. 
According to 15 U.S. Code 6801 - Protection of nonpublic personal information ( a ) Privacy obligation policy It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information.

According to 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

According to 15 U.S. Code 1692e - False or misleading representations, A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The false representation or implication that the debt collector is vouched for, bonded by, or affiliated with the United States or any State, including the use of any badge, uniform, or facsimile thereof. 
This is in reference to an account with XXXX XXXX beginning with # XXXX. I have provided proof of the inaccuracy attached to this claim. I have contacted XXXX XXXX XXXX numerous times, and they refuse to remove this inaccurate account from my credit report. This also is a violation of my Privacy under the Privacy Act of 1974. XXXX, XXXX, and Equifax are non-affiliated which violates 15 U.S. Code 6802. XXXX XXXX hasn't furnished a copy of my wet signature giving them permission to share my information with any non-affiliates. XXXX XXXX also hasn't provided a contract between us. 
This debt is a certificate of indebtedness and has been discharged. Income isn't supposed to be listed on a credit report. XXXX XXXX filed a 1099 to discharge the debt and failed to send me my 1099B copy from the IRS. This is security fraud and I request compensation.
Product: Credit reporting or other personal consumer reports

This is purely identity theft. I do not recognize these accounts. These accounts are damaging my good credit reputation! 

In accordance with the Fair Credit Reporting act. This account 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 UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/2022 XXXX  XXXX XXXX, XXXX XXXX XX/XX/2022 XXXX REMOVE THESE IDENTITY THEFT ACCOUNTS ASAP!!! 

I will never stop filing complaints against you because I know my rights! 

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

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

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: Credit reporting or other personal consumer reports

Eagle Loan Company is reporting missed/late payments or not current status for months and years after the account has been paid in full. This account was closed and paid in full XXXX of XXXX, and no further late/missed or not current status should be being reported to XXXX after that date. The account was only open and paid on from XX/XX/XXXX until XX/XX/XXXX. My credit report reflects the account has been open and paid on for three years and two months so far, reflects several missed/late payments or not current status for several months in the year XXXX, and also reflects the last payment being made in XXXX of XXXX, more than 16 months after the real final payment had been made and the account balance XXXX XXXX. There should be no activity being reported on this account past XX/XX/XXXX. I have neither made payments nor missed payments on this account in the year XXXX because my balance was XXXX XXXX  in XX/XX/XXXX.