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

In accordance with the Fair Credit Reporting act, The list of home addresses, and XXXX employers below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681 XXXX XXXX  XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX ( XXXX XXXX ) XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX, TN XXXX Employers : 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 consent, or 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: Credit reporting or other personal consumer reports

To Whom It May Concern, As a vigilant and concerned consumer, I demand immediate and detailed information regarding the exact steps your agency has taken to ensure the absolute accuracy of the items in question, as mandated by 15 U.S.C. 1681i ( 7 ). Per paragraph 15 U.S.C. 1681i ( 6 ) ( B ) ( iii ), you are required to provide a thorough description of the procedure used to verify the accuracy of the information on my credit report, including the name, address, and contact number of any information furnisher involved. Compliance with this demand is expected within 15 days of my initial inquiry. I previously informed your company that I am a victim of a data breach and identity theft, and I provided an FTC Report to support my claim. I demanded that all fraudulent information be blocked and removed from my credit report immediately, yet the following items remain unresolved. This negligence is unacceptable, and I expect you to address this with the seriousness it warrants. Under 15 U.S.C. 1681c-2 ( a ), you are legally obligated to block and remove any information that I, as the consumer, identify as resulting from identity theft within 4 business days of receiving my complaint. The following item must be addressed without further delay : XXXX XXXX - XXXX Misleading False Reporting This account is negligently and inaccurately reporting failing to comply with 15 USC 1692 ( g ) - The information in the article above has never been certified to meet reporting standards, the data provided is not always accurate, complete, or updated, I demand that any wrong, incomplete, or unsupported material be update as agreed this payment history. Else, DELETE this account immediately! 

XXXX XXXX - XXXX Misleading False Reporting This account is negligently and inaccurately reporting failing to comply with 15 USC 1692 ( g ) - The information in the article above has never been certified to meet reporting standards, the data provided is not always accurate, complete, or updated, I demand that any wrong, incomplete, or unsupported material be update as agreed this payment history. Else, DELETE this account immediately!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 and XX/XX/2021 I sent a letter to remove inaccurate accounts from my consumer report. I have attached the laws in which the credit bureau is violating. I would like the credit bureau to remove all unwanted false information from my report. Down below I have the laws that are in violation. I understand the credit bureau will put on my consumer report that they verified an account by default. Which is a HUGE VIOLATION without physical proof, also a personal investigation of character. This is illegal and I would like all my accounts on my report from my letter removed. I've given the required 45 days plus an extra 15 days for an investigation. They have not done their job. I want all deleted from my letter 15 U.S. Code 1601- Unfair and unethical reporting on consumers behalf is false information. 15 U.S. Code 1692- There is abundant evidence of the use of abusive, deceptive and unfair debt collection practices by many debt collectors. 15 U.S. Code 1681- There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality and respect for the consumer 's right to privacy.
Product: Mortgage

I have an escrow account and Rushmore loan services is the debt collector, since late XX/XX/XXXX. I have paid extra within XX/XX/XXXX and the new year on principle. I called XX/XX/XXXX to inquire why Rushmore had not received my monthly payment and why escrow was increasing. I was told that my home owners insurance was increased. I contacted my home owners insurance company ( XXXX ) XX/XX/XXXX and was told that I no longer have a home owners insurance with them due to failure to pay XXXX dollars in XX/XX/XXXX. I was told that they had notified me as well as my servicer that the amount was outstanding. ( I had contacted my insurance company to increase my insurance due to neighbor having dead tree leaning towards my property in XX/XX/XXXX. Neighbor cut tree down and I called the insurance company XXXX back in XX/XX/XXXX and they agreed to reduce policy to what is was before ). I spoke to a XXXX manager called XXXX and informed her that I was not notified of termination of homeowners insurance and that I would have paid the XXXX dollars had I known. I asked XXXX to reinstate my homeowners insurance that was terminated due to lack of payment of XXXX dollars. I was told I needed to do a new contract and this contract is XXXX dollars more a year than my old contract. 
My mortgage company appeared not to have been notified of termination of my home owners insurance or else they would have paid!? XXXX told me that Rushmore does not need to pay it is up to me to pay. I would like to get out of the escrow account and pay my own taxes and insurance or have a responsible debt collector who will not forget payments while increasing my escrow amount. I am a first time home owner who has been taken advantage of before and is in need of assistance. 
Thank you for your help.
Product: Debt collection

On XX/XX/2020, I sold a vehicle that was leased through Chase Auto Finance. I called the bank on XX/XX/2020 to report the sale of the vehicle, without exception. On XX/XX/2020, it was noted that the auto account was still appearing on my Chase account profile, so I phoned the bank, again, to investigate this inaccurate information. The Chase representative informed me that " these things take time '' to clear from account profile and there was no cause for alarm, because " it will self resolve in a few days ''. On XX/XX/2020, at XXXX PST, I received a hostile and threatening call from Chase Auto Finance, XXXX department. On this call, I was told that my payment was due on XX/XX/2020, regardless of the fact that the car had been sold. I was threatened with derogatory markings on my credit report due to this nonpayment, on a car that was sold. 

I inquired with the dealership, to whom I had entered into a sales agreement with the vehicle and noted that they had issued a check on XX/XX/2020 and mailed it to the correct address, with tracking. 

I reported this information back to Chase. They tracked the check, acknowledged that the pay off check was received by their processing center, but they were unable to locate the check (!!!! ) due to the XXXX, XXXX. They continued that since they could not locate the check, they would still pursue me for payment and take all actions to collect these monies. 

At this point, I intervened to request that the dealership cancel the initial check, re-issue and new check for the same amount and send it with overnight delivery. The dealership absorbed these expenses and a new check was mailed on XX/XX/2020 and tracked to receipt by Chase bank on XX/XX/2020. I spoke with a Chase representative who advised that no further action was required on my behalf as the check would be applied to my account within " XXXX hours ''. 

On XX/XX/2020, I received another hostile, unprofessional and threatening call from Chase Auto Finance XXXX. I was again threatened with derogatory marks on " all three reporting agencies '', regardless of the extensive notes on the account and Chase bank 's acknowledgement that their operations are in " shambles '' due to the COVID, XXXX. They threatened by home, my job and my well being by threatening to place a negative mark on my credit reports. I was told that if I were to give them {$450.00}, the collection effort would be stopped and, after the check was located by Chase bank, the amount would be credited back to my account via check. 

XX/XX/2020, at XXXX PST, I received a phone call from Chase demanding yet ANOTHER payment. They are still continuing to claim that they have not been able to find the XXXX check and accusing me of sending them an " empty envelope ''. The dealership has provided proof of payment and tracking, TWICE ... .yet Chase refuses to apply the payment, acknowledge the overpayment and are demanding an additional {$450.00}. 

This is FRAUD ... .straight up CONSUMER FRAUD.
Product: Credit card

The acct with capital one XXXX inaccuracy with the XXXX bureau XXXX and XXXX has XXXX late payment and XXXX has XXXX late payments
Product: Credit reporting or other personal consumer reports

I have tried to get my credit good for a long time XXXX XXXX have things on my credit that I've tried to dispute I submit information and they refuse to look at it or do anything they or the people have inaccurate information like a car that was paid off by the dealership Santander was the credit union that I got the original one from then I got a different vehicle and traded the other one in it was paid off but I was unaware that it was showing on my credit report that it had never been paid off I have the proof that receipt of the check from the dealership then my child support shows it was taken off my credit because it was paid off then it was put back on my credit like none of it makes any sense I've had my kids in my custody for the past 10 years and it makes it very difficult to to live when everything is based on credit when a basic everyday person can't even get housing or a car loan because all these discrepancies are on your credit report and there's nothing you can do because you're just sent in circles
Product: Debt collection

I have debt collector by the name of consumer adjusting company ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, MO XXXX XXXX, that has been sending me collection notices in the amount of XXXX. This collection has been reported pass due. I am very certain I have never did business with this company and also this company has no signature of mines agreeing to pay them anything
Product: Credit reporting, credit repair services, or other personal consumer reports

There is incorrect information on my reports with XXXX and TransUnion pertaining to date reported or status date on four accounts that were included in a Bankruptcy last year, XXXX XXXX. These dates are very important in calculating my credit score. The accounts in question, have been improperly re-aged as a result of a dispute through the above mentioned credit bureaus ... the accounts took the derogatory status XXXX XXXX when I filed for XXXX XXXX XXXX My credit report lists the dates more recently which appears to credit models that I had a recent derogatory event, when in fact there hasnt been any derogatory events since filing the bankruptcy. Im in the process of rebuilding my credit and these mistakes are preventing my credit score from improving..When I disputed this information with XXXX, they were able to fix the errors internally, and my score improved significantly and immediately. The accounts with the incorrect information are XXXX XXXX, which reports XX/XX/XXXX, two separate XXXX XXXX accounts with date reported as XX/XX/XXXX, and XXXX XXXX XXXX which list date reported as recent as XX/XX/XXXX. All of which should have status date or date reported as XX/XX/XXXX, because that is the date the accounts took the derogatory status, not any time recently. I reached out to Companies to update this information with no success. Additionally, Ive disputed with the bureaus multiple times without success, each time the status dates or date reported are showing even more recent.. This is really affecting my life.. as Im actually eligible to get a home loan while going through my XXXX XXXX, but again due to the erroneous reporting, my scores are not improving.. Please help me resolve this matter.. I only want the correct information to show.. the accounts took the derogatory status more than a year ago.. The only bureau reporting correctly is XXXX. Filing this complaint is my last hope to get these errors fixed.
Product: Debt collection

I had a Macy 's account up until XXXX. I lost my job and was not able to pay them. They turned the account over to XXXXXXXX XXXX in XXXX for collections. XXXX XXXX is listing this debt as opened in XXXX, and that isnt true. This debt hasnt been paid on or had any type of transaction in over 5 years. They need to update the info they are sharing on my credit report, because it is false.
Product: Checking or savings account

On XX/XX/20 XXXX charge was taken out for {$12.00} leaving me with a XXXX balance. 
On XX/XX/20 I received a {$10.00}. Overdraft charge and a credit for {$5.00}. ( I didnt realize XX/XX/XXXX was a XXXX XXXX ). 
XXXX XXXX states on there XXXX we will not charge you for overdrafts caused by transactions of {$5.00}. or less. 
I contacted Customer Service and was told they wouldnt honor there statement.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an unauthorized inquire reporting to my XXXX  report. This is a lender that I did NOT submit a request for any lines of credit. The lender is US Bank dated XX/XX/XXXX for a bank or credit card. I contacted XXXX on XX/XX/XXXX in regards to this matter and was told to contact the creditor/lender directly to verify. Each lender has informed me that no accounts exist or lines of credit have been issued under my social however, there was an application submitted that resulted in the inquiry. XXXX is not working proactively to resolve this matter even with the lenders confirming that I have no active accounts.
Product: Student loan

About the two accounts Private Student Loans of my Daughter and I am the Co Signee own by : American Education Services the amount are {$14000.00} and the other is {$15000.00}, its a Default since 2006. Right now in Credit reporting Agency is in accurate of the total amount??? ... ... Then this collection agency the XXXX XXXX XXXX .they buy the loan..is XXXX  balance and charge off ... .Now they sue me and there is Judgement already freeze my bank account and garnish my salary. and the Limit of Limitation passed Already and what i need is the Debt Validation ... Any help can be appreciated on you company ..Thank you very much
Product: Debt collection

Name of Creditor : RISE Address : XXXX XXXX XXXX XXXX, XXXX XXXX : XXXX XXXX, TX XXXX XXXX : RISE Amount : {$700.00} Dear Sir or Madam, I am disputing the validity of the debt referred to above. I am not aware of the account number and you have not informed me of the existence of this account. 

I am willing to pay this account IN FULL ( or a settlement percentage, whichever is feasible ) if you agree to immediately delete the account from the credit reporting agencies ( namely XXXX, XXXX and XXXX ) that you have reported to, and validated this account. My sole purpose is to get this item removed from my file. This letter should not be interpreted as recognition of the debt or acknowledgment of liability for the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I FAX DOCUMENTS AND I EMAIL DOCUMENTS AND NO ONE HELPING ME FIX THIS ISSUE. I APPLIED FOR CREDIT AND WAS DENIED BECAUSE MY REPORT SAID I HAD NO CREDIT HISTORY. I SHOULD N'T BE CHARGE THESE INQUIRIES IF THEY ARE NOT GOING TO PROPERLY GIVE OUT MY CREDIT REPORT
Product: Checking or savings account

On XX/XX/year>, I was forced to make a {$250.00} payment to XXXX XXXX XXXX XXXX XXXX under duress because they refused to release my pet until payment was made. This charge was processed through Cash App as a PIN debit transaction, but I did not authorize it voluntarily. 

What Happened : My mother took our injured pet to XXXX XXXX XXXX XXXX XXXX for emergency care. 
The hospital never disclosed any costs upfront, which is required under Texas Occupations Code 801.357 ( a ).

When my mother tried to take our pet back, the hospital refused to release the animal until payment was made, effectively holding our pet hostage in violation of Texas consumer protection laws. 
Under distress, I entered my PIN to pay, but this was not a voluntary authorizationit was a coerced payment. 

Dispute with Cash App : I filed a dispute with Cash App on XX/XX/year>, under " goods/services not received. '' The dispute was denied on XX/XX/year>, without any clear explanation or documentation proving that the charge was valid. 
Under Regulation E ( 12 CFR 1005.11 ( d ) ), Cash App is legally required to provide a detailed explanation and any evidence they used to determine the charge was authorized. They failed to do so. 

Why This is a Problem : This charge was made under duress, meaning it does not meet the legal standard for authorization under the Electronic Fund Transfer Act ( EFTA ).

Cash App did not properly investigate the dispute and failed to provide documentation as required by federal law. 
By denying my dispute without a valid explanation, Cash App is violating consumer protection laws regarding unauthorized transactions. 

What I Want : I am requesting that the CFPB investigate Cash App for failing to comply with Regulation E dispute resolution requirements and that this transaction be reversed as an unauthorized charge. Additionally, I request that Cash App provide the documentation they relied on to deny my dispute.
Product: Credit reporting or other personal consumer reports

You are reporting the wrong balance and payment data for account XXXX  XXXX XXXX XXXX. Please see the attached documents from the creditor and remove this account from my credit report.
Product: Credit card or prepaid card

We made hotel reservations through XXXX for XXXX WY, XXXX XXXX XXXX on XXXX. My husband saw the charge of {$470.00} on our Citi card statement and immediately contacted Citi reporting the charge as fraudulent. XXXX posted the charge with the description of XXXX XXXX and my husband forgot that we had indeed made the reservation. We rec 'd a provisional credit from Citi but when we realized we actually did intend to have the charge and reservation, we let Citi know. They re-charged our Visa on XXXX. Our trip was to be XX/XX/XXXX - XXXX. In XXXX my father became seriously ill and we had to cancel our trip. All of our correspondence had been with XXXX through an online messaging system. I contacted them XX/XX/XXXX to cancel. When I didn't receive a response from XXXX, I contacted the XXXX XXXX XXXX on XX/XX/XXXX and was told that our reservation had indeed been canceled. We did not see a refund of the {$470.00} on our next Citi statement from XXXX. I tried in vain to reach XXXX but was no longer able to get into the messaging system. XX/XX/XXXX I contacted Citi that we were disputing the charge as we had cancelled our reservation. We received a provisional credit from Citi. Citi reached out to the XXXX XXXX XXXX but was told XXXX XXXX had not received funds from XXXX so that we had to take it up with XXXX. We received a letter from Citi stating this on XX/XX/XXXX. The charge was reapplied to our account on XX/XX/XXXX. We tried to contact XXXX XXXX but they were closed for the off season. We left messages for a return call which we did not receive. We sent a certified letter XX/XX/XXXX to XXXX XXXX which was returned for invalid address - the address was the one posted on their website. We tried many times to contact XXXX with no success. The account login that I had would not work. We called XXXX XXXX again on XX/XX/XXXX and spoke with a manager. We were told they did not receive funds from XXXX so we would have to contact them. On XX/XX/XXXX, I posted a negative comment on XXXX XXXX XXXX XXXX  page. On XX/XX/XXXX, I was contacted by XXXX XXXX and received an email from them. Again, they explained that they did not receive funds from XXXX so we would have to contact them. They tried on our behalf to reach XXXX but were unable to. The phone number for XXXX has been disconnected. We called Citi again today, XX/XX/XXXX with our dispute. We were told that because we had already disputed this once that we could not dispute it again. The problem is we are not disputing the original charge. The charge we are disputing is the XXXX charge that was not refunded by XXXX. Citi gave us a " courtesy credit '' of {$65.00} today. My husband asked where they got that number and was told " I have no idea ''.
Product: Credit reporting, credit repair services, or other personal consumer reports

My husband and I have reached out to Equifax several times to correct the issue. My husband and I are both currently in a chapter XXXX bankruptcy. XXXX  and XXXX  are both reporting the bankruptcy as active and filed. Equifax is reporting the bankruptcy as dismissed. My husband and I have even had the assistance of a Credif repair agent attempt to correct the issue.
Product: Credit reporting or other personal consumer reports

The existence of these unauthorized accounts and inquiries has caused me significant anxiety regarding my financial well-being. It is essential that my credit report accurately reflects my financial history, as it informs potential lenders of my financial management practices. Therefore, I am requesting an immediate investigation and prompt removal of the following inaccuracies and unauthorized accounts. 

XXXX XXXX XXXX XXXX - {$810.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - {$900.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - {$510.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - {$4400.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - {$1000.00} XXXX XXXX XXXX XXXX XXXX - {$8900.00} XXXX XXXX XXXX - {$0.00} XXXX XXXX XXXX XXXX - {$2300.00} XXXX XXXX - XXXX - {$5800.00} XXXX XXXX XXXX  - {$4400.00} XXXX XXXX XXXX - {$900.00} XXXX XXXX XXXX XXXX - {$1200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>