23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

On XXXX XXXX XXXX my online Chase banking and credit card account was breached through a phone call social engineering attack, similar to the initial incident that happened to me on XX/XX/year>. I had several XXXX ultimate reward points that were stolen that Chase ultimately returned to me, however, my dispute is with the protection that needs to remain on my account to prevent further breaches. I have been offered a verbal password to set for any phone conversations with Chase, but was told it would expire in 60 days and that I was not eligible for a permanent password because they claim it requires 2 breaches to be eligible, and they claim no documented evidence of any fraudulent activity from XX/XX/year> in my account. That is obviously untrue, because I have filed a prior complaint with the CFPB about this fraud before and received a response from Chase acknowledging it. Therefore, this is my second fraud incident at Chase. I object to the claimed lack of documentation of the previous fraud incident. I need the verbal password to be permanently implemented on my account to deter these breaches, not as a temporary measure expiring in 60 days.
Product: Credit reporting or other personal consumer reports

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 Experian Consumer Dispute Center XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear Sir/Madam, The CRAs have a grave responsibility to ensure the accuracy and fairness of my consumer report. Despite multiple dispute attempts the CRA 's continue to incorrectly report inaccurate and misleading information to my consumer report, specifically the listed charged-off account ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX. The account was CLOSED XX/XX/XXXX and is actively reporting " last activity '' of XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

This information is in direct violation of the Fair Credit Reporting Act ( FCRA ) and is adversely affecting my credit profile. The continued reporting of this account as charged off with a remaining balance is not only inaccurate but also misleading. The Internal Revenue Service ( IRS ) clearly defines a charged-off account as XXXX with no remaining balance, in addition too, becoming TAXABLE INCOME to the consumer. To which I have never received any XXXX. The CRA 's action in reporting this account with a balance constitutes a violation of the FCRA by providing false, misleading, and unverifiable information. 

Furthermore, the inclusion of these accounts on my credit report without my explicit consent is a clear violation of my privacy rights. The FCRA mandates that consumer reporting agencies, such as ( XXXX, Experian, XXXX ) have a duty to protect consumer information and ensure its accuracy. The CRAs actions in this matter represent a blatant disregard for these regulations. By reporting inaccurate and misleading information about me, the CRA 's have caused significant harm to my credit standing, limiting my access to credit and financial opportunities. This is a direct result of their ( XXXX, Experian, XXXX ) negligence and failure to adhere to the FCRA. I demand the immediate deletion of the aforementioned charged-off account from my credit report. 

Additionally, I reserve the right to pursue all available legal remedies, including but not limited to monetary damages, for the harm caused by the CRAs violations of the FCRA. I have attached a copy of my credit report for your reference. I expect a timely response to this dispute, including written confirmation of the accounts deletion from my credit report. Thank you for your prompt attention to this matter. 

Best Regards, XXXX XXXX XXXX XXXX ALL RIGHTS RESERVED
Product: Credit reporting or other personal consumer reports

Ive been contact experian, transunion and XXXX about these XXXX accounts for over 6 months will no help, no real responses and no accurate information. The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( CRAs ), and they have no be honest or helpful. This affects my life and all I get is computer responses.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I recently took an Auto loan from a bank. 

For few months everything was fine and my credit score was excellent. 

This month it went down by 115 points, I spoke to credit company and they said my account is reported as credit not a loan. 

This increased my credit usage for no reason. 

Since its the bank problem I called their credit department to rectify their error but it was very unprofessional. They asked me to go through very lengthy process to fix their mistake now. 

My credit will show bad until I write them letter and they receive take action etc.. I needed to apply a mortgage soon. 

This very bad handling of customer image when bank is at mistake. Why should customer suffer for the bank error.
Product: Credit reporting or other personal consumer reports

I recently reviewed my report and I noticed some fraudulent accounts on my report. Please remove these accounts off my report they are hurting my ability to obtain credit
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX TODAYS DATE : XX/XX/XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
XXXX XXXX XXXX Reported : XXXX XXXX, XXXX + {$850.00} Closed XXXX  Reported : XXXX. XXXX, XXXX + {$0.00} Closed XXXX XXXX CARD   SERVICES Reported : XXXX XXXX, XXXX + {$0.00} Closed XXXX XXXX Reported : XXXX XXXX, XXXX + {$0.00} Closed XXXX Reported : XXXX. XXXX, XXXX + {$0.00} Closed The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that  reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : ADDRESSES NOT RECOGNIZED XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX, XXXX XXXX XXXX XXXX XXXX, TX XXXX INQUIRIES NOT RECOGNIZED XXXX XXXX XXXX - XX/XX/XXXX XXXX, XXXX - XX/XX/XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion, XXXX - XX/XX/XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX Creditor Name Account Number Balance Opening Date Status Trans Union XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX 30 days late ( 2 ) 30 days late ( 2 ) 30 days late ( 2 ) XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 30 days late ( 3 ) 30 days late ( 3 ) 30 days late ( 3 ) XXXX XXXX XXXX XXXX XXXX  - XX/XX/XXXX 30 days late ( 3 ), 60 days late ( 2 ), 90 days late ( 1 ) 30 days late ( 3 ), 60 days late ( 2 ), 90 days late ( 1 ) 15 U.S.C, 1681section 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 an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

My name is XXXX XXXX and I am facing a foreclosure sale date on XX/XX/XXXX from 21st Mortgage.XXXX I have been trying to fix my issues with them regarding missed payments for a few months but feel like I am being obstructed and denied from any fair options. I owned this piece of land and used it as collateral so that I could buy the manufactured home with a mortgage loan from 21st Mortgage in XXXX. Although my interest rate is very high, I did not have problems making the payment because I had a solid job as assistant XXXX for XXXX XXXX for XXXX years. I had my payments set on automatic debit and in XXXX I had to replace my debit card and did not update the information in the 21st Mortgage system. This created a problem at the time when the payment did not go through but I contacted them and filled out paperwork and was approved for a plan that put the missed payments at the end of the loan and I resumed paying with no problems. The process was smooth and easy. My current issue began in XX/XX/XXXX when my company lost the contract for the lot that I worked at and ended up losing my job and did not receive any unemployment. I was out of work for XXXX months and I contacted the bank to inform them. I was very transparent about my situation and as soon as I was back to work I tried to resume making payments. However they refused to work with me and demanded that I reinstate the full past due amount. I have continued to try and persuade 21st Mortgage to come to the table to work out a solution, I have close to half of the past due amount available but they will not negotiate in good faith. 

I dont understand why they are handling my missed payments this way. When I had a problem XXXX months ago they were reasonable and helped me work things out. I have equity in this property and do not want to lose my home. I had no idea that XXXX XXXX was going to lose the contract at the hotel I had worked at for XXXX years and did not have any money saved up at that time. I put in over XXXX applications trying to find a new job and I was very transparent with 21st Mortgage about what was going on. I tried to get unemployment but did not qualify, so I had no income to make the payment for XXXX months while trying to get a new job. The day I got hired at XXXX XXXX I called in and told their agents that I would make a payment as soon as I got my first check and we would be able to figure out a payment plan but their agents refused to consider any option other than full reinstatement. 21st Mortgage has denied access to internal and government programs that should be made available to me.
Product: Credit reporting or other personal consumer reports

I just reviewed my credit reports and it shows inaccurate accounts. 

Please see the copy of my dispute letters that were already sent to the involved Bureaus. 

I have not received any responses yet
Product: Debt collection

Hello my name is XXXX XXXX. 
I have been receiving phone calls from a women stating she is from XXXX XXXX. She states she is looking to speak to XXXX XXXX on a debt. I have told her on numerous occasions to Please stop calling my phone number. This has continued for over a year now. What if anything can I do. I even tried ro block the number but they still call. 

Thank You XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items that are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX : {$2900.00} XXXX XXXX XXXX XXXX Balance : {$7200.00} XXXX XXXX XXXX Balance : {$390.00} XXXX XXXX XXXX XXXX : {$18000.00} XXXX XXXX XXXX XXXX XXXX {$660.00} XXXX XXXX Balance : {$24000.00} XXXX XXXX Balance : {$8700.00} XXXX XXXX XXXX XXXX XXXX : {$11000.00} ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$77.00} ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$74000.00} XXXX XXXX XXXXXXXX Balance : {$53.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I recently submitted a complaint in violation of my privacy rights under 15 U.S.C. 1681 Section 602 A ; " a consumer reporting agency can not furnish a account without my written instructions. The Privacy Act provides protections to individuals in three primary ways. It provides individuals with : ( 1 ) the right to request their records, subject to Privacy Act exemptions ; ( 2 ) the right to request a change to their records that are not accurate, relevant, timely or complete ; ( 3 ) the right to protected against unwarranted invasion of their privacy resulting from the collection, maintenance, use and disclosure of their personal information.

I sought to have two accounts removed from my credit profile due to the fact they violated my to be protected against unwarranted invasion of privacy resulting in collection, maintenance, use and disclosure of my personal information, but whomever responded, focused on the accuracy of the account. I have never given XXXX XXXX XXXX or XXXX XXXX written permission for the reporting per Section 1681a. I was never notified in writing per 15 U.S.C. 1692ag prior to accounts being on my credit report within 5 days. In furtherance, a delinquent debt may not be reported under the Privacy Act unless notice issued pursuant to the Privacy Act 5 U.S.C. 552a ( e ) ( 4 ), authorizes the disclosure information about the debtor to a credit bureau. Under the Privacy Act, Federal agencies may not disclose information without consent unless certain exemptions apply to the disclosure. I did not consent to have my information be publicized. I request these accounts be removed from my credit profile immediately,
Product: Debt collection

On XX/XX/17 I got a call from the collection agency at work. I had already told them not to call me at work to call my cellphone. I called XXXX back on my break. I explained that I was trying to get my financial situation stable that if I could give a payment in XXXX that tax season was already in XXXX and that I would be able to give a payment by then. She transferred me to her Supervisor. I explained myself to him and he proceeded to intimidate and threaten me stating if I didnt give him some kind of payment that day that he would put down that I refuse to pay this debt and make sure a suit was filed. At no moment did I say I would not pay this I know I owe this money but I went thru a hardship almost lost my house and fell behind with other debts. He said if I can pay my car note then I can give him a payment that day. He again said he would make write down that I refuse payment cause if I can pay my house and car then I can pay him. At that point I hung up the phone.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the charge off account that was illegally reported on my credit report from the creditor. Despite my previous requests, I have not received the following documentation : Proof of Debt Ownership A copy of the original signed contract or agreement establishing the debt between your company and myself. Documentation evidencing the transfer or assignment of the debt to your organization, if applicable.

Itemized Account Statement : A detailed statement outlining the original principal amount, all interest charges, fees, payments made, and the current outstanding balance. Additionally, I understand that creditors must provide consumers with a warning and an opportunity to settle the debt by mail before reporting negative information. I request evidence of a minimum of 10 such contact attempts made by your company regarding this debt.

Compliance with Notification Requirements : Evidence that your company provided the requisite disclosures in accordance with the Truth in Lending Act ( TILA ), as outlined in 15 U.S.C. 1601 et seq. Proof that your company issued the necessary notices prior to reporting any negative information to credit reporting agencies, as mandated by the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681s-2 ( a ) ( 7 ).

According to the FCRA, creditors are required to notify consumers either prior to or within 30 days after furnishing negative information to credit bureaus. I have not received any such notifications. Additionally, I understand that creditors must provide consumers with a warning and an opportunity to settle the debt by mail before reporting negative information. I have not been given this opportunity, nor have I received any contact attempts regarding this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit has been compromised. I found out because credit karma sent me an email that I needed to act. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report. XXXX XXXX {$640.00} XXXX XXXX XXXX {$1600.00} XXXX XXXX {$890.00} XXXX   XXXX {$640.00}
Product: Credit card or prepaid card

I applied for a CITI card late XXXX. I have interest free until XX/XX/XXXX on my balance transfer. I did however, had a few purchases on the card that is subject to interests. 

I called the company several times to pay off the balanced owed for the purchases only. I finally spoke with a representative that gave me a figure of {$150.00} for the purchases that were subject to interests. I paid {$190.00} ( including {$41.00} min due ) on XX/XX/XXXX payment on the account. 

XX/XX/XXXX statement came and purchase balance did not clear. I called again, spoke with another representative XX/XX/XXXX and he stated they will take care of it to allow 2-3 business days. XX/XX/XXXX statement came in and I am still being charged 23.99 % interest on standard purchase. 

I'm not asking for something out of the ordinary. I made a charge, I want to pay for the charge, I called my creditor to get the exact amount to pay and made payments towards the charge that day over the phone with the representative. When it was not taken care of, I called again. All I expect is to have my payments properly applied and to be charged interest accordingly. 

I don't know what is going on or what scam CITI bank is running but if they are doing this to me, I'm sure there are many other customers who are affected like me. 

I just need this resolved correctly and immediately because obviously, reaching out to CITI does not solve my issue.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on this account. Actually I am not sure that the account is even mine though your company claims to have verified this. Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 
As in XXXX XXXX TransUnion, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the XXXX in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

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

its on the ftc attached the ftc violations and names conns and XXXX  XXXX
Product: Student loan

I am enrolled in Navient 's Rate Reduction Program. Every single month for over two years my payment has been allocated incorrectly between my XXXX loans. After the money is withdrawn by Navient from my checking account and incorrectly allocated, I begin getting phone calls and emails saying that I have missed a payment and must take action immediately. Every month I have to take time out of my work day to leave my office and call Navient to attempt to resolve the problem. Every month I get a different person on the phone who gives me a different explanation as to why my payment has been misallocated for THAT month. Every month I explain to them that this has been happening for over two years and every month I get a different explanation as to why it is happening. There typical response is, " Well I have figured out the problem and I have resolved it, so it will not happen anymore ''. I get this general statement every month. And every month, I have the same problem again. 

When I call, they do supposedly re-allocate the money to the correct loans while I am on the phone. I say supposedly because I literally have no way of cross checking what they have done. The only means to cross check would be my monthly statement, but every month my statement shows the payment misallocated. I have been paying these loans on the Rate Reduction Program for over two years and have never had an accurate statement!
Product: Debt collection

They have called a couple times a month starting back on XX/XX/2021 and the last call was received today XX/XX/2021 at XXXX asking about a debt that isn't mine I have told them back in XXXX I don't know who's debt that is and to please take me off their list and they have not