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

XXXX XXXX was contacted by phone XXXX. I spoke with 'XXXX ' who said they would call back on the landline I was speaking over. When 'XXXX  ' returned my call I was told yes my e mail address had been hacked and it would cost $ XXXX a year to block it. I will attach a screen capture of what appears to be eastern XXXX dating sites I have never contacted. Prior to 90 days ago, the only return for a search of my e mail address was two family DNA sites. The sites added approx. 90 days ago show bolded " XXXX XXXX XXXX '' and all contain gibberish word salad that anybody would realize are malware sites. I have filed complaints with FTC and FCC ( file numbers attached ) and XXXX ( attached ) and have received nothing but auto responses. On XX/XX/XXXX I attempted a 'Who Is ' search of the two domain names of these 6 slanderous sites use of my e mail and found they had all been " redacted for privacy '' as of XX/XX/XXXX. 
I have used this e mail address since approx. XXXX while using XXXX as dial up ISP to sign onto XXXX. XXXX XXXX has not been involved in E mail for years, I have used XXXX since I first got a computer and Malwarebytes BLOCKS all attempts to access '.club ' sites. All of these 90 day old sites are .club. This is slander, libel invasion of privacy and RANSOMEWARE by 'XXXX  XXXX at XXXX XXXX .
Product: Debt collection

After my attorney sent them a letter of representation, they continued to send at least XXXX collection letters to me, in violation of state law. They also failed to respond to a letter from our state 's Department of Consumer Affairs, which was an attempt to resolve these violations.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My XXXX who's XXXX XXXXXXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX - XXXX
Product: Credit reporting or other personal consumer reports

I bought a home with an FHA Loan. I made my first 2 payments on time to the loan company, ( XXXX XXXX XXXX  ) however, my loan servicing was sold to a another loan company, ( XXXX XXXX ) but, I made the payment to the original servicing company.XXXX, not XXXX. ( I believe there is a 60 day window after a loan servicing is sold and/or transferred to make my payment? ). the payment was made to the original loan servicer XXXX in under the 30 days, however ; - the new loan servicer-XXXX XXXX-did not receive the payment from the original banking servicer until 45 days after the payment was due-so they rated me late on a mortgage payment on my credit report! 
I emailed XXXX the paper trail of the payment to XXXX to prove it was made in under the 30 days, but they still marked me late on my credit. ( I believe it took XXXX 2 weeks to forward the payment to XXXX, and therefore, it appeared I was 30 days+ late, but I got the payment to XXXX in 25 days or so? I did not realize the servicing had been transferred and I was on vacation when I made that payment in question to XXXX. Again, I sent the proof of payment coming out of my checking account to XXXX to XXXX and asked them to remove the late payment record on my credit-BUT they have not responded and I just confirmed that the late payment is still showing up on my credit!! 

This has now become an issue as I have been turned down for multiple credit offers due to the late payment on my Mtg. Can you please help me to get XXXX to correct this late payment on my credit and punish them for causing me so much trouble, that-I have to contact you about it?.
Product: Mortgage

XXXX XXXX I recieved a call from cardinal financial company XXXX, texas XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX TX XXXX from employee XXXX  XXXX XXXX He called inquiring regarding an application I inquired about for pre approval requirements for home buying. Due to me and my husband taking a first time home buyers course at the time. During the conversation XXXX XXXX ask for me and my husband social security number even though my husband was not near me and due to me being at work at the time. I informed him that I was not comfortable and my husband would need to consent for him to run his credit and that I could not do that. XXXX XXXX informed me that he would not run a credit check due to me calling just inquiring and for him needing permission from my husband and I to complete the application. Instead after the call ended abruptly fast mr XXXX XXXX ran a credit check for myself and my husband using credit plus which he failed to mention. Afterwards I reached out to cardinal financial by phone, email, and customer advocacy and did not recieve a response and still have not recieved one to date regarding concerns for my credit and significant other. The only response I recieved was that my application was suppose to be considered not complete and they have no information but there information is wrongly on my credit and has affected my credit score. We are looking into pushing forward with lawsuit for XXXX and breach of consumer 's act or willing to settle in mediation.
Product: Money transfer, virtual currency, or money service

YOUR ABOVE SELECTION CHOICES DID NOT PRETAIN TO MY PROBLEM SO I SELECTED THE CLOSEST SO I COULD PROCEED WITH MY COMPLAINT Sick and tired of my local wells Fargo ATM not being properly maintained and serviced, I have filed several complaints about this but no one makes the bank properly service their machine located at XXXX XXXX XXXX, XXXX XXXX, NJ XXXX Last night and again tonight I arrived at the atm with a lot of cash that I do not want to carry around. Its potentially dangerous. The machine states it is " currently not accepting deposits '' This has occurred numerous times in the past as well as the machine not being able to transact any business. Also the machine continually rejects perfectly good bills and deposits must be done multiple times. 

They can solve this problem by putting in a modern machine but obviously they choose not to and instead inconvenience the customer. 

I would like a copy of the service records for this machine so I may provide it to my elected Federal Representatives. I'm sick and tired of being inconvenienced and wont take it anymore. They have my money in their bank and pay nothing for it, they are not required to provide basic service to the customer.
Product: Credit reporting or other personal consumer reports

HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXXXXXX - DATE OPENED XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

This follows on a complaint from XXXX that was never resolved. I manage the finances of an elderly parent. While this person was in the hospital in XXXX, a health aide made an unauthorized {$2.00} charge on their Discover card that was not caught for several months. I was made an authorized user on the card ( otherwise Discover would not speak with me ). It took months to finally resolve this issue due to Discover 's inefficiency and lack of helpfulness. Every few months, despite this being resolved over a year ago, Discover reports a delinquent payment on MY credit report, crashing my credit score by 30-50 points every time. Each time it takes months to resolve. This has happened several times since my last CFPB complaint.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Complaint Against XXXX XXXX XXXX for FCRA Violations Dear Consumer Financial Protection Bureau, I am filing a formal complaint against XXXX XXXX XXXX regarding their reporting of inaccurate and unverifiable information on my credit report. Under 15 U.S. Code 1681o, I have the right to ensure the accuracy of reported information and to seek remedies for negligent noncompliance with the Fair Credit Reporting Act ( FCRA ). 

Despite my requests, XXXX XXXX XXXX has failed to provide proper validation of the alleged debt they claim I owe. Specifically, I have requested : Proof of the validity of this debt, including a detailed breakdown from the original creditor and any agreements bearing my signature. 
Documentation proving XXXX XXXX XXXX has the legal right to collect this debt, including a proper chain of custody. 
Verification that the account has been accurately reported, as required by the FCRA. 
As of today, XXXX XXXX XXXX has not provided the necessary validation, yet they continue to report this account negatively on my credit file. If this information can not be verified, the FCRA mandates that it be removed from my credit report. 

I am requesting the CFPB to investigate this matter and hold XXXX XXXX XXXX accountable for any violations. If they have failed to comply with federal laws, I expect appropriate enforcement action, including the removal of this unverified account from my credit report. 

I appreciate your attention to this matter and look forward to your prompt response. Please keep me informed of any updates regarding this complaint. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Filed and attempted multiple disputes on XX/XX/ hence no reply or action by company. I have filed dispute over inaccurate personal information listed on my credit report. I have waited over 30 days and tried to give Transunion, XXXX and XXXX a chance to resolve this issue pursuant to 15 USC 1681s-2-b ( ii ). I filed a re-investigation, and still no lawful response Transunion, XXXX and XXXX has chosen to violate and ignore the statues of the Fair Credit Reporting Act. I have legal documentation of my attempts to have this inaccurate and false information updated and corrected.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

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

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX ... XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX ... XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX  ) XXXX ... that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Product: Checking or savings account

XX/XX/ 2020 a check for {$45000.00} was issued to me from my aunt XXXX XXXX XXXX. i deposited the check in the BMO Harris bank in XXXX MN account XXXX XXXX. I was not given a deposit receipt. Several weeks later I went to the bank and asked why the deposit was not in my checking account. XXXX XXXX, customer representative told me there had been " a break in the system and he could not verify if I had an account or whether I had made a deposit with them ''. I left in shock. Several months later I spoke with XXXX XXXX, Bank XXXX. asking him what had happened to my inheritance., he turned to his computer, did some typing and went to the printer and picked up a piece of paper and gave tome. It was the balance of my checking account. And said to me " Get out of here before I call the POLICE. No one is accusing me of wrong doing in MY BANK. THE BANK STOLE MY I NHERITANCE. Recently XXXX XXXX  XXXX  terminated my call after puting me on hold but mailed me XXXX acocunt XXXX XXXX XXXX, my account number and XXXX XXXX. Please help me. I never expected a bank to steal from a customer. You are the only chance I have for any help of recovery Thank you for your help XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX accounts have violated my rights. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX 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 also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit card or prepaid card

I have received a call about this account since XXXX. The account was closed for nonpayment after one missed payment. I stopped paying since the account had been closed. I was called in XXXX by the company and I explained that I did not like how I was treated and how the account was closed. I spoke to someone about a different account owned by the same company on XX/XX/2020. I set up payments for this account to pay the account down so that my credit would not be impacted. I believe this verbal agreement was used for both accounts. 


I had been paying {$56.00} since XX/XX/XXXX on an account that I owed only {$430.00} on after speaking with a representative today I have only paid {$20.00} down on the account bring the balance to {$13.00}. The account manager said that I was still being charged a {$39.00} late fee as well as services fee which kept hitting my credit as late and missed payments even though I was set up for automatic payments. 

I was mislead by the representative back in XXXX and have been making consistent payments on an account that is not being counted toward anything but late fees and service charges. Even though the account has been closed since XXXX they still are reporting to the credit bureau that I have missed payments, this is after being set up on automatic payments. This in turn has dramatically effected my credit  score and has led to credit limits from other cards being lowered or even  closed because of this.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The Experian credit bureaus must validate this item in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting item as unverified information without providing any proof within the period allowed by law. The item need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to address a matter that requires urgent attention and resolution. On XX/XX/XXXX, an investigation was initiated within the XXXX XXXX XXXX, during which my personal information was accessed from credit bureaus without obtaining my written consent or any form of authorization. This occurrence is deeply concerning and raises serious privacy and legal issues.

Under the framework of the Fair Credit Reporting Act ( 15 USC 1681 ), it is unequivocally stated in section 602 ( a ) that consumer reporting agencies must conduct their responsibilities with fairness, impartiality, and utmost respect for the privacy rights of consumers. I firmly believe that TransUnion, XXXX, and XXXX, as consumer reporting agencies, are bound by this principle. As the consumer, I hold the right to safeguard my private information, as further reinforced by 15 USC 6801, which emphasizes the obligation of financial institutions to respect customer privacy and confidentiality.

It is crucial to highlight that, as defined by the statute, a " Furnisher of information to credit agencies '' falls within the ambit of a financial institution. According to 15 USC 1681, section 604 ( a ) ( XXXX ), a consumer report can be provided only with the explicit written instructions of the consumer to whom it pertains. I would like to emphasize that neither XXXX, XXXX, nor TransUnion has procured my consent to disseminate this information, whether through verbal, non-verbal, written, implied, or any other means. Thus, I hereby revoke any and all consent that may have existed, thereby withdrawing any authorization they might have presumed to have.

Furthermore, 15 USC 6802 ( b ) ( c ) explicitly states that Credit Bureaus are prohibited from disclosing nonpublic personal information to any nonaffiliated third party unless the consumer has been informed of their right to restrict such disclosures. Regrettably, I was completely unaware of this investigation until after its conclusion, which directly contradicts both the policy and intent of the Privacy Act of 1974. 

I appreciate your immediate attention to this matter and your commitment to resolving this issue in a fair and just manner.
Product: Credit card

I made my payments on time at the beginning of each month. They credited my payment for XXXX with the payment for XXXX all in the same month. In other words they credited both payments twice for the same month. when I inquiredabout this ; they said it was because the finance the payments was in the same period, They then charged me a late fee, and sais I still need to make another payment in XXXX even though I had made a payment XXXX XXXX. So now I have to make another payment before XXXX XXXX. I never knew anything about cycle or period, I thought that if you made the poayment with a check or money order dated the XXXX XXXX XXXX XXXX it would be applied to that month as payment for that month and not applied to the previous month. I feel that this is just a gimmick to get an extra payment and a late fee that should not apply.
Product: Credit card

I have been a customer of Chase Bank for almost a decade as a credit card holder and have never received a credit line INCREASE, despite paying on time every month. Back in XXXX, they decreased my credit limit by {$2700.00} from {$8500.00} down to the balance on the card, which was {$6300.00} ( bringing my available balance to zero ), stating that because of the pandemic, they had to lower credit lines because they didn't want consumers depending on the card. I called and asked to reconsider as I never made a late payment. They told me they could rerun my credit report as a hard pull, to reconsider my limit. I agreed but shouldn't have, because nothing changed from the week prior that they pulled it ( and have it on record ) so they denied my reconsideration. Fast forward to XXXX, Chase offers me the XXXX card with a XXXX XXXX limit. Yes I've been using the card and it was below 30 % usage, so when my card declined at the store XXXX day, I was shocked because that shouldn't be happening. I looked into it and found out Chase lowered my credit line from {$21000.00} down to {$6900.00}, which is what the balance on the card was, putting me at 100 % usage, skyrocketing my monthly minimum and tanking my credit score. They also decreased my credit line on my other Chase card, putting that XXXX at 100 % usage now as well. I contacted Chase and they offered to " reconsider '' by again doing a hard pull of my credit, even knowing nothing would be different from XXXX days ago, and the rep on the phone didn't deny it either, but they're willing to hurt their customers credit even more with a hard inquiry, just to say " sorry we tried '' but they really didn't try at all. I was told the decision was not because of my good relationship with Chase, but because some of my other NON-Chase accounts were 'higher than they like '. It always seems to be a different vague reason with no basis of merit. This PREDATORY practice hurts Chase customers not only financially, but in regards to XXXX XXXX too and it shouldn't be allowed to continue.
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. DEROGATORY ACCUSATIONS INCLUDING ALLEGED INQUIRIES MUST BE METRO 2 COMPLIANT TO RETAIN OR REPORT SO DELETE ANY NOT PHYSICALLY WITH PROOF OF PERMISSIBLE PURPOSE FROM THE EXACTLY AND LEGALLY IDENTIFIED ME.I DO NOT AUTHORIZE YOU TO REPORT NOT PROVEN COMPLIANT INFORMATION AND YOU MUST COMPLY. 


I respectfully request your prompt attention on the following inaccurate information on my credit report. For your convenience, the disputed items are listed below. The following item is inaccurate and negatively affecting my credit. Please reinvestigate this matter and delete and/or correct the disputed item. I respectfully request that you provide me with proof of the disputed item, specifically any contract, note, court documents or any instrument bearing my signature. Failing that, this item must be deleted. In addition, there are a number of credit accounts that have been inactive for more than seven years. As you know, the FCRA states that all credit older than seven years should be removed from my report. Therefore, the following accounts should be removed : Creditor : XXXX XXXX XXXX Account : XXXX Creditor : XXXX XXXX XXXX Account XXXX XXXX Creditor : XXXX  XXXX XXXX- Account : XXXX Creditor : XXXX XXXX XXXX Account : XXXX Creditor : XXXX XXXX- Account : XXXX Creditor : XXXX XXXX XXXX Account : XXXX Creditor : XXXX XXXX XXXX Account XXXX XXXX Creditor : XXXX  XXXX- Account : XXXX Creditor : XXXX XXXX XXXX Account : XXXX Creditor : XXXX XXXX XXXX Account : XXXX Creditor : XXXX XXXX XXXX XXXX- Account : XXXX Creditor : XXXX XXXX XXXX XXXX Account : XXXX Creditor : XXXX XXXX XXXX XXXX XXXX Account : XXXX Creditor : XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX Account : XXXX Creditor : XXXX XXXX Account : XXXX Creditor : XXXX XXXXXXXX - Account : XXXX Creditor : XXXX   XXXX XXXX- Account : XXXX Creditor : XXXX XXXX Account : XXXX This is a formal notice that your claim is disputed. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay this creditor.