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

Transunion is in violation of FCRA 1681b A 2 1681i 5 Consumer law states my transactions and experiences are non public personal information that's confidential Consumer data. 
US DEPARTMENT OF EDUCATION account numbers XXXX & XXXX does not have written permission to furnish unauthorized inaccurate inconsistent information to my Consumer Report
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX According to the Fair Credit Reporting Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verity through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. 

In XX/XX/XXXX, this account was stated as being late. XXXX XXXX {$9500.00} Balance updated XX/XX/XXXX 1 late payment Account Info Tap labels for more details Account number XXXX Account status Open Date opened XX/XX/XXXX Notice, I have been on time with all my other payments and at the time my account was on auto pay. This was clearly an error on behalf of chase to deem this account as late. It is affecting my credit worthiness and has put me in a state of distress as Im trying to purchase a home and the lender is stating that this late payment is hindering me from reaching my financial goal and credit worthiness for the home that Im seeking to purchase. 

If you would as to be so kind to revise my account and remove late payment from XX/XX/XXXX I would be most grateful.. Ive sent letters and even spoken with a representative stating my claim on XX/XX/XXXX and mailed certified letter on XX/XX/XXXX. After speaking with the chase representative m, she agreed that the late payment may have been caused by an error on their end and that they would look into. It is now XXXX and the late payment still remains. 

Please consider my stellar payment history as a form of my integrity in this matter.. Thank you. 



XXXX XXXX {$9500.00} Balance updated XX/XX/XXXX XXXX late payment Account Info Tap labels for more details Account number XXXX Account status Open Date opened XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX I ordered an automatic trashcan from XXXX, I paid through Affirm the order number XXXX. Estimated delivery is XX/XX/XXXX, hi XXXX have not received my package. I contacted XXXX and they did absolutely nothing. They disregarded my concern, and I got an email saying it was delivered, but it wasnt. A customer agent told me that I would be getting a refund and that a confirmation email would be sent to my email and I received nothing. Reached out, XXXX more time, and I was told that its delivered and theres nothing that they can do and the chat in my face, after I was told that I was getting a refund. I was given the runaround on why I couldnt get a refund. It felt unfair. This is taking a XXXX XXXX XXXX  and all all I wanted was a refund for a package. I did not receive XXXX did not care to solve my problem. XXXX hoping you can help me to get my refund please. Already contacted support more than once, and was given the runaround. XXXX extremely disappointed and I want my money back. I would never use XXXX again. Ive been waiting since XX/XX/XXXX for this to get situated and nothing is being done. I just want a refund. XXXX you failed me and Im looking for for support and support for my XXXX XXXX
Product: Credit reporting or other personal consumer reports

Collection agency name : XXXX XXXX  Address : XXXX XXXX XXXX old XXXX, NY XXXX Account number : XXXX Your NAME : XXXX XXXX Dear XXXX Debt Collector ) I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. 
Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.

Please cease and desist from collecting on this debt until you have provided validation of the debt.

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt.

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter.
Product: Checking or savings account

Chase Bank closed my Checking Account with no notice, the checking account simply disappeared from my Chase Account including all statements and notices from the past. I can not cancel my Direct Deposit to this checking account at my workplace because they require my account number and other banking information that I can not retrieve due to the account being 'paperless '. 

I have had direct deposit from my Work to this account for years with no issue and use the funds in the account to pay off Chase credit cards. 

My paycheck was wired to this checking account today XXXX and I can not access the account or funds to pay my bills. 

I contacted Chase bank today XXXX and talked to multiple reps. 

The first rep gave me a second phone number to call to try to reactivate my account, assured me that I will be able to gain access to my account when I called the phone number with no issue and was told not to worry. She further explained that my account was closed due to inactivity, which does not make sense considering regular direct deposits to this account. The rep confirmed that was direct deposit was wired and deposited today XXXX. 

Calling the second phone number XXXX I was told by the second rep that my checking account can not be reactivated by calling this phone number and that I would be required to physically visit a Chase Branch to make my case to them. 

To summarize, I can not access my paycheck due to Chase deactivating my checking account with no notice. 

Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

The accounts and information, addresses are not mine to the best of my knowledge Enclosed all documents
Product: Debt collection

Reference : XXXX ( XXXX Complaint regarding HIPPA/PHI ) XXXX filed a complaint w/CFPB regarding a clear violation of my PHI/HIPPA rights violated by XXXX XXXX XXXX along with CCM. CCM 's response was that 'they have a right to know b/c they do business with XXXX. ' Whether they do business with XXXX or XXXX 's office ; it is AGAINST the law for ANY of my XXXX to be disclosed to a COLLECTION COMPANY! 

CFPB FAILED to enforce this LAW and closed the complaint AFTER the collection company sent a response FAILING to address the core of my complaint. 

It seems that CFPB fails to do anything constructive aside from shuffling paper! 


CFPB : Our core functions The CFPB was created to provide a single point of accountability for enforcing federal consumer financial laws and protecting consumers in the financial marketplace. Before, that responsibility was divided among several agencies. Today, its our primary focus. 

Our work includes : Rooting out unfair, deceptive, or abusive acts or practices by writing rules, supervising companies, and enforcing the law Enforcing laws that outlaw discrimination in consumer finance Taking consumer complaints Enhancing financial education Researching the consumer experience of using financial products Monitoring financial markets for new risks to consumers
Product: Money transfer, virtual currency, or money service

I obtained an {$80000.00} equity loan through XXXX XXXXXXXX XXXX XXXX. We closed on Monday my account with them was funded on Friday XXXX. I went to the bank got a cashiers check drove it to Bank of America to deposit it. Was then sent an email the check looked fraudulent and they were holding my money for 10 days. 
I contacted customer service they said nothing they can do until the check is scanned in to the system. Called again the next Monday asked for a supervisor spent and hour on the phone with this guy who said he spoke with his supervisor and said that they told him the best they could do would be Monday the XXXX. Which they are to release my money on the XXXX anyway. Im beyond frustrated and plan on closing all my account with this bank moving forward. Ive been helpless, my bills are due and are now all late. 
Banks feel like they are untouchable, I plan to seek legal council on the matter as well for the issues its caused
Product: Credit reporting or other personal consumer reports

XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX Attn : Customer Relations Department XX/XX/XXXX2025 To Whom It May Concern, I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 
Furthermore, In accordance with The Fair Credit Reporting Act, Public law XXXX, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. XXXX XXXX XXXX account # XXXX XX/XX/XXXX XXXX account # XXXX XX/XX/XXXXaccount # XXXX XXXX XXXX XXXX account XXXX XXXX these accounts were impacted by several data breaches that resulted in changing of my account history i demand full compliance according the FCRA. 
I request pursuant to FCRA subsection 605b ( 15 U.S.C 1681 c-2 ) that you credit reporting agency, block information appearing on my consumer credit report that is result of SEVERAL DATA BREACHES an fraud within 4 business days of you receiving the accounts above.

1. Violation of 15 U.S.C. 1681e ( b ) : Under this provision, credit reporting agencies are required to maintain and follow reasonable procedures to ensure maximum possible accuracy of the information they report. However, the information reported in my credit file is clearly inaccurate and has not been verified as required by law. I demand an immediate investigation into this matter and the removal of the erroneous information.

2. Violation of 15 U.S.C. 1681i : This section mandates that, upon receiving a dispute, the credit reporting agency must conduct a reasonable investigation to determine the accuracy of the disputed information. I have already notified you of this dispute, but the investigation conducted was neither thorough nor adequate. The results provided to me were unsatisfactory and do not reflect a genuine effort to verify the disputed information.

In light of these violations, I am requesting the following actions be taken immediately : Prompt Removal, Remove the inaccurate information from my credit report to reflect accurate and truthful data. Confirmation of Action Taken : Provide written confirmation of the actions taken to address this dispute, including details of the investigation and any corrections made.

Documentation : Send me a copy of the updated credit report reflecting the changes made as a result of this dispute. Failure to resolve this issue promptly will leave me with no choice but to escalate the matter through regulatory agencies or legal channels to ensure compliance with the FCRA and protect my rights. 
SINCERELY XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 and again XX/XX/2019, I tried to dispute with Experian under Identity Theft ( FCRA Section 605b ), yet to no avail. As a victim of a security breach I have presented the necessary Law Enforcement documents and Personal identification documents and yet no response or movement towards resolving the matter.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

I was contacted by XXXX XXXX and XXXX XXXX through XXXX on XX/XX/XXXX. I was given a pre-qualification for a home loan from XXXX XXXX XXXX XXXX. on XX/XX/XXXX in the amount of XXXX. I did not find a home until XX/XX/XXXX and I contacted XXXX XXXX to update him on the home. Then I had to finish the paperwork to complete the process in getting the loan. The home loan was supposed to be for XXXX. XXXX XXXX contacted me on XX/XX/XXXX to tell me that my credit score went down. I was given a list of items to pay off in order to bring my credit score back up. After those items were paid and a receipt provided to XXXX, I did not hear from him again. My realtor and I both tried on several occasions to get in contact with him but received no response. On XX/XX/XXXX the mortgage commitment was due. On XX/XX/XXXX I called XXXX XXXX from my job and afterwards I received an email stating that he would provide an update of my loan to my realtor and the listing agent. I 've called and emailed him to get some more information so I could move forward to complete my loan but still no response. This mortgage company has put me in jeopardy of losing the purchase of this home and my earnest deposit. I am forced to start with a new mortgage company which has pushed my settlement date into XX/XX/XXXX. This company has been unprofessional and caused a lot of stress and money. They should not be aloud to operate a mortgage business.
Product: Credit reporting, credit repair services, or other personal consumer reports

My bank called me to inform me that there was an unknown charge on my account. They wanted to verify if it was mine and they were correct it did not belong to me. Later that same day I received a call from one of my credit card providers stating the same thing. I immediately knew my identity had been stolen. I got online and made an account with XXXX  XXXX and got a copy of my report. For years my name, birthday, and social security number was used to open accounts that are not mine. Please remove these items from my report. XXXX XXXX {$370.00} XXXX   XXXX {$36000.00} XXXX XXXX {$370.00} XXXX XXXX {$54000.00} US DEPT ED XXXX {$26000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX account # XXXXXXXX XXXX XXXX  XXXX are in violation of The Fair Credit Reporting Act and has violated my rights.

15 U.S.C 1681 section 602 A states I have a right to privacy.

15 U.S.C 1681 section 604 A states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, i am a first hand witness to this transaction. this communication is in regard to an account that is currently in dispute. A letter was sent out to the creditors and i made it clear that this account is in dispute and verification has been requested pursuant to 15 usc 1692g ( b ). this letter was mailed on XX/XX/2022 and verification has not been received. this complaint is being made to XXXX so there is a proper investigation made regarding this account. in the meantime, this account must be removed from my consumer report due to not receiving the proper disclosures to opt out of having my personal and private information shared with any nonaffiliated third parties which includes XXXX Transunion or XXXX. 

I declare under the penalty of perjury under the laws of the United States of America that the foregoing is true and correct.
Product: Debt collection

I never recieved any notification I owed a debt. Company never notified me of debt, never sent any information validating debt nor any notification of my rights to dispute the debt. The debt showed up on my credit report with no validation of debt or my rights regarding the debt sent to me nor was I ever contacted by the company in any way regarding this debt.
Product: Debt collection

XXXX XXXX XXXX I dispute any debt your company claimed to have on me you must stop all collection activities do not call my telephone number ( XXXX ) if you were ever given permission to call this number ( XXXX ) I am revoking that now my demands are : for you to provide a audit trail. ( This is what I need included in that audit trail. ) Original signed Contract Account File Ledger All account Documents Transactional History please be sure to provide everything the mentioned in this letter. According to fair credit reporting act section 609 ( a ) ( 1 ) ( A ). you are required by federal law to verify through the physical verification of the original signed consumer contract any and all accounts that you post on a credit report otherwise anyone paying for your reporting services could fax, mail, or email, in fraudulent accounts If you are unable to provide the demanded information you must immediately delete this account. If you fail to communicate to the consumer report and agencies that this debt is in disputed that would be a violation pursuant 15USC 1692E8 - false or misleading representation. The law is very clear as to the civil lability and the remedy available to me according to 15 USC 1692K. Furthermore failure to honor this request will lead me to fully intend on pursuing litigation in this matter is suing your company for actual damage sustained. Please be aware that freezing this account is not an update to my credit report. Under federal law you have 30 days to complete your re-investigation please be advised that the description of the procedure used to determine the accuracy of completeness of the information is hereby requested as well, to be provided within 15 days of the completion of your re-investigation I also attched a my identytheft report Thanks for giving this letter your prompt attention.
Product: Debt collection

Spring Oaks Capitol has alleged I owe {$1100.00}. I have never heard of this company and I have never taken out any type of loan of such manner. This has very negatively impacted my credit score. I have reached out to inquire about the debt, and have never been furnished with any type of explanation or proof. I request these false allegations please be removed from my credit file immediately, and I request all communication from them please cease and desist immediately.
Product: Credit reporting or other personal consumer reports

FCRA 605B stipulates that any incorrect accounts must be taken off my credit report. This account is wrongly reported, so please remove it. I am entitled to {$1000.00} for every inaccuracy on my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXXDOB XXXX SS XXXX current mobile phone XXXX I had some issues with my income being affected by the COVID-19PANDEMIC SHUTDOWN. I was under the 1 CARESAct, Pub. L. 116-136, section4021, codified at FCRA section 623 ( a ) ( 1 ) ( F ) ( i ) ( I ), 15 U.S.C.1681s- 2 ( a ) ( 1 ) ( F ) ( i ) ( I ). I am requesting some accommodations so I care to protect the integrity of my credit file. 
XXXX XXXX/XXXX  XXXX # XXXX, account is reporting 30, DAYS LATE since requested assistance due to the pandemic.

I have a few complaints in addition to the one above I HAVE NO RECORDS OF THE FOLLOWING ACCOUNTS this problem has come at a time when none of these companies has provided me with any documentation to verify the chain of title of ownership or proof of claim please delete the following accounts : XXXX  # XXXX, XXXX XXXX/XXXX  # XXXX, XXXX XXXX # XXXX.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. After reviewing my credit report, I discovered two fraudulent credit card accounts that I did not open or authorize. The details of the fraudulent accounts are as follows : XXXX XXXX Bank XXXX Date Fraud Began : XX/XX/XXXX Date Fraud Discovered : XX/XX/XXXX Total Fraudulent Amount : {$430.00} XXXX  XXXX XXXX ( XXXXXXXX XXXX XXXXXXXX ) Date Fraud Began : XX/XX/XXXX Date Fraud Discovered : XX/XX/XXXX Total Fraudulent Amount : {$420.00} Additionally, there are fraudulent credit inquiries on my credit report from XXXX XXXX Bank and XXXX XXXX XXXX. 

I have filed an FTC Identity Theft Report ( Report XXXX : XXXX ) to document the crime and have taken steps to dispute the fraudulent accounts and inquiries with the credit bure
Product: Debt collection

Equifax wrote and said this debt valid with no proof or validation they have not investigated this debt or proved it's validity.
Product: Credit reporting or other personal consumer reports

I have filed three complaints with the cfpb because Experian refuses to change my address from XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX to correct address of XXXX XXXX XXXX XXXX XXXX, New York XXXX. I will be submitting as evidence that both XXXX and XXXX XXXX reports my correct address as XXXX XXXX XXXX XXXX XXXX, NY XXXX. After multiple attempts Experian still reports my address as XXXX XXXX XXXX, NY XXXX, which should be corrected to XXXX, NY XXXX.
Product: Mortgage

In the fall of XX/XX/XXXX we obtained a commercial bank loan from Chase. The loan officer we worked with was very aggressive with the interest rate in order to get our business. 

In XX/XX/XXXX Chase attempted to call the loan on the basis of an " ownership change '' made by the lessee of the property. Despite having been informed of the name change of the lessee as required by the terms of our loan, Chase remained very persistent until they were informed that the name change of the corporation did not constitute a change in ownership. 

On XX/XX/XXXX we received a default notice from Chase on the assertion that we had not provided requested company tax documents. Chase was using the old corporate name of the lessee as the basis for the default despite knowing that the name of the corporation had been changed. They claim there were The Borrower has made timely payments on the guaranteed loan, so there is no current or past issue with either the loan ; and there is no basis for questioning the Guaranty. To be clear, the LLC holding the building and the lessee ( corporation ) stand ready to abide by all of the terms of its XX/XX/XXXX Guaranty. 

Chase entered into this loan willingly at the current rate. They have now made two attempts to try to force a default in order to raise the interest rate at the prevailing rate.
Product: Credit card or prepaid card

The banks web site constantly has issues whenever I try to pay online. It has issues loading. Or it will ask security questions that don't pertain to me. When I tried to pay on XX/XX/20. I got locked out after it asked incorrect security questions. Then I called and paid over the phone. I called back to check the confirmation number. I was asked for my phone number in case we were disconnected. 

Eventually I was disconnected. But no one ever called back with the confirmation number. My payment still hasn't been debited my account. I emailed customer service the same day to inform them of these numerous issues. However, to date I have not been contacted.