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

I asked the credit bureauto perform a verification on the collections that are on my credit report. They have stated that all the accounts are accurate. While I performed a through research myself and find improperinaccuracies after they performed their research. 

In accordance with the Fair Credit Reporting act XXXX Account # XXXX .... Account Name : XXXX XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 
Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2022 Delete this account. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2022 Delete this account.
Product: Debt collection

Wells Fargo, XX/XX/XXXX. XXXX XXXX XXXXXXXX, XX/XX/XXXX. I try to open up an account, but due to hackers, suspicious activities disable me from opening an account with either one of them.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/19 I spoke with 3 agents regarding 2 negative identity theft accounts on my report. I wanted to know why they were put into dispute opposed to deleted like the other identity theft accounts were that was on the SAME FTC report and the last agent refused to transfer me to a supervisor as she explained to me that I hadn't submitted enough PROOF that the accounts were fraud and I needed to submit more information for them to delete the accounts. When I asked what additional information is needed she stated that there are NO requirements so she couldn't tell me just I needed to submit more information. Previously I notified Experian of 5 accounts that were identity theft, 3 of them were deleted with no problem but the2 remaining, however, were not and they were ALL listed on the same FTC report, Police report and explanation letter, so I'm confused as to how 3 of the 5 meet standard for deletion but 2 do not. This has been going on sinceXX/XX/2019, when FCRA rules state once an FTC report is issued the bureaus have 3 days to delete the items. I sent inXX/XX/2019 a notarized FTC report, 3 police reports in one named the suspect, a swore letter that the accounts were fraud, however, Experian is the only company I have had a problem with removing these two accounts.
Product: Consumer Loan

1 ) i applied for financing to USBank to help purchase a XXXX used XXXX for my son. I received a letter from USBank on XXXX XXXX, denying my application based upon the following information obtained from XXXX XXXX : credit score of XXXX. They then listed the factors which they claim adversely affected my credit score. In fact, my " Excellent '' credit score and disclosed income has allowed me to obtain credit over the years and recently in many multiples of the approximate XXXX i was attempting to finance. There must be other insidious factors at play. 
2 ) An apology and an explanation for the denial other than " Your credit score : XXXX ... '' 3 ) You have asked that i not include personal information. i can be contacted at XXXXXXXXXXXX 4 ) XXXX ( XXXX ) purchased from XXXX XXXX, XXXX, Illinois
Product: Debt collection

After filing a previous report for a similar situation, I requested again my credit report from XXXX, and XXXX, to my surprise it shows that there is another debt collection under SENTRY CREDIT INC., account number XXXX, representing Creditor XXXX XXXX XXXX, showing a balance of {$19000.00}, date opened XX/XX/XXXX, past due as of XXXX, XXXX. I am just a victim of identity theft, since XX/XX/XXXX when my bag with my personal documents were stolen from a vehicle which was reported immediately to police. I am owner of a property since XXXX, where I live and do not have the need to rent an apartment. 
Please, help me how to handle this problem or what to do to avoid this happening again,
Product: Credit card

Called Capital One for rate decrease for a short period of time as a courtesy to catch up. I have XXXX cards from Capital One and they said no!!!!!!!!!! way. They didn't even try to help at all sad I am stuck because I am on a fixed income, and they are not willing to help the customer
Product: Debt collection

After pulling my credit report on XX/XX/XXXX I noticed a fraudulent account for XXXX that was issued by XXXX XXXX, XXXX. After contacting XXXX I was told the account had been sold to a debt collection agency, ERC. On XX/XX/XXXX ERC contacted my via mail for payment of this alleged debt in the amount of {$610.00}. Attached is a copy of my Federal Trade Commission Affidavit report listing the account was opened fraudulently. Ive also contacted my local police department to submit a report.
Product: Checking or savings account

I began receiving emails from Chime on XX/XX/XXXX notifying me that I had opened a debit card with them, and had made a purchase. I never opened a Chime account and certainly did not make a purchase ( which apparently was done in Texas, a state I have not visited in years ). I wrote to them to say that this was a fraudulent account and that they should close the account and flag it to prevent anything further being opened in my name. After I verified my identity, they wrote on XX/XX/XXXX to say that they were putting a " hold '' on the account and to follow up if I wanted the account closed. I had already requested multiple times that it be closed, but I responded and again requested that the account be closed. I have emailed three more times in the last week ( XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ) to make this request and they have simply ignored all of those requests ( plus the original requests prior to the " hold '' ). The lack of reply is clearly intentional since they responded quickly to my initial email reporting the fraud. From what I have learned about them, I suspect that they are refusing to close the account because it is part of their growth strategy/PR not to close accounts so they can claim huge customer growth. Either that or something worse??
Product: Credit reporting or other personal consumer reports

Synchrony Bank XXXX XXXX is reorting an account on my file I do not recognize. They are reporting I am an authorized user, however, I have never been added as an authorized user on any credit card for XXXX XXXX. This needs to be removed immediatley from my credit file as I never authorized it.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX on my credit report ( experian, XXXX, XXXX ) that open on XX/XX/XXXX, it was a result of an identity thief, someone use my infos to open these accounts and I requested that they blocked these infos immediately and didnt get any results for the last 2 years after I sent ftc report 3 times also theres an address that end with the zip code XXXX that its not mine on my experian I want to be remove immediately XXXX XXXX XXXX that open on XX/XX/XXXX without my permission that must be remove off XXXX, XXXX and experian. 

XXXX XXXX that open on XX/XX/XXXX, they claimed I had 6 late payments and thats not accurate, I want the late payment remove from Experian, XXXX and XXXX XXXX XXXX XXXX open on XX/XX/XXXX, XXXX and XXXX removed but experian still didnt remove it
Product: Checking or savings account

Have had non stop issues since opening " opportunity checking account '' with webster bank. 


1. ) online banking is extremely unreliable. transactions, regardless if theyre debit, credit, ach, or even transfers between accounts, post and unpost randomly with no rhyme or reason. in the words of the branch manager herself " you never know when something will post " making it extremely difficult to accurately manage your account. to make the problem even worse, even though webster is aware of this issue, they dont make you aware of it until after you realize it and have problems, often resulting in fees. 

2. ) was told by the person who helped me open the account that it is " basically impossible to overdraw ", this is just a flat out lie. 

3. ) the bank often tries to blame delayed charges on the " merchant '' and their processing, however, this holds no water. I have used numerous debit cards and credit cards at the same merchant, and only webster will delay the charge for what seems like a totally random and unpredictable amount of time. different cards used at the same merchant have no issue processing at the time of sale. 

4. ) all problems with the account could have been avoided from the very beginning had the overdraft protection service been offered. this is something i realized was available months after opening the account, and i made this realization myself. this service has still not been offered or suggested by any webster employee, even after numerous overdrafts. 

all these things considered. i have to say that webster bank is either negligently run, or is running a scam. the delays in items posting, bad information given, lack of protection offered, etc, all leads me to believe they are intentionally creating overdrafts to collect fees. this is also reinforced by the fact that the type of account i have as seen as " high risk '', or more likely to over draft, so perhaps an easy target for this type of scam. webster all has a history of law suits they have settled for millions of dollars alleging the same exact thing. 

most recently, just this morning, i noticed a very alarming " mistake '' on my account. I had transferred on XXXX/XXXX/XXXX the amount of {$1100.00} into another webster account. the XXXX accounts share an account holder and the transfer was immediate. the funds were properly distributed at that time. the following day, XXXX/XXXX/XXXX, the {$1100.00} was in BOTH accounts. i believe this was a blatant attempt to get to me spend some of it, and then charge me with over draft fees when the " error '' was corrected.
Product: Mortgage

I have engaged in the very tedious and lengthy process of requesting my PMI insurance to be removed. A duly filled out form letter was mailed to Newrez, my loan company during the month of XXXX. On XX/XX/XXXX, they cashed my check for {$190.00} to get a home evaluation done by a realtor of their choice. The said evaluation was completed by XX/XX/XXXX. As of XX/XX/XXXX, I still had not received any confirmation by mail on the decision to remove the PMI nor did I get copy of the evaluation for my home. After a XXXX minutes conversation with Newrez on the phone, it was confirmed that the PMI had been approved to be removed and that I would get a letter of confirmation by XX/XX/XXXX. I was also advised that they needed to recalculate escrow and that it would take a while. As of XX/XX/XXXX, I still had not received any copy of the home evaluation nor confirmation by mail that the PMI will be removed. I then called Newrez again. They advised that they had mailed a letter on XX/XX/XXXX confirming the removal ( I never received it and they do have my correct mailing address ) but indicated that it would take another XXXX weeks to get another letter confirming the new amount of my monthly payment. The nature of my complaint is that it seems this company is making it extremely difficult and unnecessarily lengthy to process such PMI removals. In the meantime, I am still paying {$400.00} per month for a PMI that I no longer owe. From XXXX till now XXXX where I am told that I have yet to wait another XXXX weeks to have the amount removed officially. I understand there are several parties involved but 4 months? does that seem reasonable? Also, this company is terrible in terms of their communication. They refuse to email information, use snail mail which takes weeks when we are now at an age where everything can be done electronically. Their representatives on the phone are not professional and give wrong information -today, the agent told me initially that my request was denied because of lack of signature. She corrected herself after putting me on hold to speak to a supervisor. I requested to speak to said supervisor and was told this was not possible. 
This might be common practice for mortgage companies to stall process to benefit mortgage company bottom line but this is done at the detriment of hard working consumer. Thank you for looking into this. XXXX XXXX
Product: Credit reporting or other personal consumer reports

According to the fair credit reporting act 15 USC 1681 section 602 a state there is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality and respect for the consumers right to privacy. XXXX, XXXX, and XXXX XXXX are consumer reporting agencies, and I am the consumer. I have the right to make sure my private information isnt shared which is backed by 15 US C6801 which states it is the policy of the Congress, that each financial institution has an affirmation and continuing obligation to respect pride, the privacy of its customers, and the answer to protect the security, a confidentiality of those consumers nonpublic personal information. Prosper Funding LLC is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer under the following circumstances and no other : in accordance with written instructions of the consumer to whom it relates. Prosper Funding LLC, the financial institution and the Consumer reporting agencies XXXX, XXXX and XXXX do not have my consent to furnish the information and they surely do not have my written consent. Any and all consent to XXXX, XXXX and XXXX, Prosper Funding LLC whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that A financial institution may not disclose no public personal information to a non affiliated third party unless-the consumer is given an explanation of how the consumer can exercise that nondisclosure option. Prosper Funding LLC. Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states Except as authorized under subsection ( b ), 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. This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s-2 ( A ) ( 1 ) A states A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.15 U.S. Code 1681e states Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under 1681b of this title. XXXX, XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that A consumer may exercise the right to opt out at any time. I am opting out of your reporting services.
Product: Credit reporting, credit repair services, or other personal consumer reports

On my last correspondence to you last XX/XX/2018 I disputed several items which are incorrect, inaccurate and violating FCRA. After more than 30 days, I do not believe that proper investigation took place as there are several violations visible of how the items where reported. Information showing the account was re-aged and missing information from the report. I disputed XXXX ref # XXXX, XXXX XXXX ref # XXXX, PORTFOLIO RECOVERY ACC # XXXX and XXXX XXXX   XXXX/XXXX ACC # XXXX. All these account shows violation of FCRA. Some reports incorrect late payments, some have missing/incomplete information, others are re-aged and reporting misleading information such as creditor type and so on. This is my last resort before taking legal action. So I am giving you another 30 days to remove these items from my credit report. Attached with this complaint is a copy of the letter sent to you last XX/XX/XXXX and some info I found on my credit report that proves the violations.
Product: Credit card

I have purchase ( 2 ) products from Chase thru its Travel Portal relating to hotel reservation : Trip ID : XXXX and ( Trip ID # XXXX ). The travel products are exclusive to its credit card holders. 

Purchase # XXXX ( Trip ID # XXXX ) Details : Purchase Date : XX/XX/XXXX Cost {$1300.00} Problem # XXXX : Upon arriving on site the hotel does not exist. It is still under construction. 

Purchase # XXXX ( Trip ID # XXXX ) - made another purchase because of Problem # XXXX Purchase Date : XX/XX/XXXX Cost {$2000.00} Problem # 2 : Upon arriving site, there is no host nor person to contact nor information to check-in to the hotel. The phone # and contact detail provided by Chase is unreachable.

Both Product sold and purchase thru chase travel is a SCAM - such that the property does not exist and its vendor can not be reachable. 

Actions Taken from Consumer : - XX/XX/XXXX On Problem # 1 - One of the family member contacted chase travel but chase was not able to contact its vendor nor provide further steps or solution - XX/XX/XXXX On Problem # 2 - One of the family member contacted chase travel but chase was not able to contact its vendor nor provide further steps or solution. The phone # that chase travel provided to contact its vendor can not be reach. 
- XX/XX/XXXX Call Chase and was transfer to its specific " Travel Team '' - XX/XX/XXXX Chase Travel File Case report and contact its vendor. Chase XXXX XXXX inform consumer to call back in 7 days - XX/XX/XXXX XXXX also send a secure email to chase. Chase also defer consumer to contact its specific team chase travel - XXXX XXXX Chase XXXX for status. Chase Travel indicate problem # XXXX - its vendor rejects refund and problem # XXXX - its vendor has not reach back. 
- XXXX XXXX Chase Travel to escalate both problem indicating both product is a SCAM. Chase Agent say it file ( XXXX ) more new claims requesting for offshore team to investigate : Claim # XXXX, and Claim # XXXX. XXXX request consumer to call back in 3 days. 
- XX/XX/XXXX XXXX Chase Travel for status - Both vendor has not reply back. Agent tries again to contact its vendor. Its Vendor # 1 rejected, and also said Vendor # 2 rejected. 
- XX/XX/XXXX Send another secure email to Chase to escalate the problem because chase travel unacceptable resolution.

Why is the chase travel unacceptable resolution?

1. As a consumer - I brought the product that is purchased and sold thru chase exclusively to its card member. I did not buy it thru its vendor. The problem between chase and its vendor is its own " internal affair ''. My receipt shows that the product is sold and pay to chase.

2. Product # 1 is a false advertisement for the lodging does not exist and is uninhabitable.

3. Product # 2 if chase is having a hard time contacting its vendor how does it expect the consumer to reach its vendor when the vendor is avoiding and providing a contact that is unreachable.
Product: Vehicle loan or lease

I make XXXX year payments after XXXX year they cancel my contract
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed an inaccurate account that is not mine from XXXX XXXX over six ( 6 ) different times for {$410.00}. Each times comes back as verified but its impossible because I hav enever used any service that XXXX XXXX is collecting for.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash app due to inadequate customer service and unfair practices which violate the CFPA ( Consumer Financial Protection Act ). Specifically Cash App failed to take timely and effective measures to prevent and address fraud on their platform.leaving my account vulnerable and unprotected. Furthermore their dispute resolution process was unfair and deceptive.as they didnt comply with error resolution requirements under EFTA ( Electronic Fund Transfer Act ) and Regulation E. These actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

Chapter XXXX bankruptcy case number XXXX has been completed and debts were fully XXXX. Accounts listed on my credit report which were included in the bankruptcy should reflect a {$0.00} balance. Some accounts also fradulently report that the account was included in Chapter XXXX. That is incorrect information. XXXX NM also incorrectly includes a status of " charged off ''. The account was not charged off but was included in Chapter XXXX bankruptcy and fully XXXX. 

Debts that are XXXX in a chapter XXXX bankruptcy should be reported with a {$0.00} balance after the discharge is entered. Furthermore, as the automatic stay of creditors prohibited the lawful collection of the debts as soon as the bankruptcy case was filed, a creditor or debt collector may not continue to report the account or trade-line as " past due '' once the bankruptcy has been filed. 

Creditors who continue to report the debts listed in my bankruptcy schedule as past due or with a balance due after I received my bankruptcy XXXX, are robbing me of my fresh start... .and a a result I have been damaged : I have been robbed of my fresh start. 

I want all accounts, with the exception of the newly opened XXXX  XXXX account on which I am an authorized user only, to be updated to accurately reflect the fresh start granted to me by the courts. 

I filed a previous complaint regarding this issue and the credit bureaus took more than 30 days to investigate which is a direct violation of the FCRA. Should this issue continue to go unresolved I will pursue the assistance of a legal team.