23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

1. On XX/XX/2020, I called XXXX and requested to make a transfer of funds from XXXX  to XXXX XXXX XXXX. The representative from XXXX instructed me to initiate the transfer through my XXXX banking app. I put my XXXX credit card information in correctly on the app and submitted the transfer request for {$3000.00}. 2. On XX/XX/XXXX, I received a statement on my app that the transfer was made to Chase ( as opposed to XXXX  ). I do not have a Chase account. I called XXXX and told them I do not have a Chase account. The representative from XXXX told me to wait 14 days to make sure that the money did not go to XXXX. 3. After 14 days I called back, and XXXX ( a supervisor ) told me that they would have to put a stop to the check that they incorrectly sent to Chase. They said that this would take 5 working days. 4. I waiting 5 days and called XXXX back. The money was not returned to my XXXX account. A XXXX representative said there is nothing they can do because the check was cashed by Chase. They told me to go to Chase and to request the money be returned to XXXX. I called Chase, and they told me that XXXX needs to request the check from Chase. XXXX then sent me a copy of the check. On the check, it shows the XXXX credit card number that I entered into the app correctly ; however, the address on the check shows that it was sent to Chase and not XXXX. 5. I went back to Chase and they said they could see the check in their system, but that XXXX needs to request the check. I went back and forth for months now, and XXXX is refusing to resolve the issue and are insisting that I pay the {$3000.00}. 6. I went to a physical Chase bank, and although they were not able to help me, they told me that XXXX has incorrectly sent checks to Chase before and that I was not the first person to have this issue. 7. I have filled out a previous report with the CFPB, in which XXXX said they faxed Chase a request for the money. Chase has refused to return the money. 

I am now filing a report again, this time against Chase. XXXX has reached out to Chase to return the {$3000.00} but Chase has repeatedly ignored these requests. I have attached letters which demonstrate that XXXX has sent requests to Chase for the refund several times. 
*********** Summary : I requested {$3000.00} be paid from my XXXX credit card to XXXX. XXXX sent the {$3000.00} to Chase incorrectly. Chase has refused to return the money despite numerous attempts by XXXX to request the money back.
Product: Credit reporting or other personal consumer reports

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

I have filed a dispute regarding the incorrect items on my credit report it has been over 30 days and I havent received any results of the investigation
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. 
XXXX XXXX {$250.00} XXXX XXXX {$830.00} XXXX XXXXXXXX  XXXX {$350.00} XXXX XXXX XXXX {$32000.00} CHAPTER XXXX BANKRUPTCYDISCHARGED XXXX
Product: Credit reporting or other personal consumer reports

You Violated The United States Code Law 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Under 15 U.S. Code 1681b Permissible purposes of consumer reports I gave you any written consent to report anything on my consumer report.

As a consumer by law these accounts on this letter must be deleted immediately or I will seek monetary damages in small claims court in my city and state. Also we already involved and sent this letter to the Consumer Financial Protection Bureau, Attorney Generals Office, XXXX XXXX XXXX  and Federal Trade Commission.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX  XXXX, Iowa XXXX Ref : XXXX XXXX To Whom It May Concern, I am writing to file a formal complaint regarding the unauthorized and inaccurate reporting on my consumer credit report. This complaint pertains to the account reported by DEPT OFEDXXXX, with the following reference numbers : Experian and XXXX - XXXX ; XXXX - XXXX. 
As a consumer, I am protected under the Fair Credit Reporting Act ( FCRA ), the Family Educational Rights and Privacy Act ( FERPA ), and the Privacy Act of 1974. In accordance with my rights under these statutes, specifically under the FCRA and 15 USC 6802 ( b ) ( c ) and 15 USC 1681C ( a ) ( 5 ), I am hereby officially revoking any and all consent previously granted to Experian, XXXX, and XXXX for the reporting of this account. This revocation includes consent in any form, be it verbal, non-verbal, written, implied, or otherwise. 
Moreover, I am exercising my right to opt out of reporting services, as stated under 12 CFR 1016.7, which affirms that " A consumer may exercise the right to opt out at any time. '' I demand that this account be removed from my credit reports immediately, as its presence constitutes a violation of my rights and has potentially damaging implications for my financial standing. 
The inaccurate reporting of this information has caused undue stress and could lead to significant negative consequences for my financial health. I request a thorough investigation into this matter and the prompt correction of my credit report. 
Please acknowledge the receipt of this complaint and inform me about the steps you will take to address this issue. I expect a timely resolution and an updated credit report reflecting the removal of the aforementioned account. 
Thank you for your attention to this important matter.
Product: Mortgage

My primary residence is a Single-Family property located in XXXX, DC XXXX 

XXXX. On XX/XX/XXXX, I agreed to a XXXX Modification Agreement with SPS. 
( See Attachment A - XXXX Modification Agreement ) o The terms of the XXXX Modification Agreement include a Deferred Principal Reduction amount of {$190000.00}. The XXXX Modification Agreement sets forth the terms of the Deferred Principal Forgiveness on the second page, Paragraph XXXX. 

o The Tax Consequences of Loan Modifications section of the XXXX Modification Agreement provides the following statement regarding IRS and borrower notifications : SPS will notify the IRS of the amount of principal forgiven on IRS Form XXXX, copies of which will be provided to you by XX/XX/XXXX of the year following the loan modification. 

XXXX. On XX/XX/XXXX - SPS filed tax Form XXXX with the IRS, the tax form confirms the amount of debt discharged as {$190000.00} and lists the date of the identifiable event as XX/XX/XXXX. ( Attachment B IRS Form XXXX ( Cancellation of Debt ) ) XXXX. Despite filing the debt cancellation notice with the IRS and the related requirement for me to report the amount as taxable income. SPS continues to erroneously include the discharged amount as part of the outstanding principal balance and attempts to collect the debt. 

XXXX. I sent multiple Notices of Error and Information requests to remove the discharged amount from the outstanding principal amount to SPS on the following date : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

XXXX. On XX/XX/XXXX, SPS responded and refused to acknowledge the principal forgiveness and/or adjust the outstanding principal balance to remove the cancelled debt. ( Attachment C SPS response to Notice of Error and Information Requests )
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 nephew, who's studying XXXX 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 2 out of 3 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 : Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX, Account Name : XXXX XXXX  Account Number : XXXX, Account Name : XXXX XXXX XXXX Account Number : XXXX, and so on.
Product: Credit reporting or other personal consumer reports

I am a federally protected consumer and I am aware of my rights laid out by the FCRA. Im aware that you as a consumer reporting agency must maintain accurate records at all times across all credit reporting agencies on consumers files. 
Please investigate the bellow accounts validity within my consumer report that you maintain under my name and update my report to your findings within 30 days of your receipt of this dispute notice as per FCRA guidelines. 

I have attached screenshots of the erroneous information within my report for this account. Please complete this account within 30 days and forward me the results. If this account can not be validated, DELETE from my consumer report. 

ACCOUNT : XXXX XXXX Under 15 U.S. code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of information is found to be inaccurate or incomplete or can not be verified the consumer reporting agency shall -- - ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
I have experienced much mental hardship over this erroneous account as it is prohibiting me from refinancing my home. 
Standards established in the credit industry were created to ensure integrity of data and uniform communication between ALL credit-reporting agencies to maintain maximum possible accuracy. If these standards are broken then liabilities can arise. 
Your agency is obligated to conduct a thoughtful and fair investigation about this very important matter as I am attempting to handle this issue privately, now. 
I have attached the erroneous account ( s ) in question. This account ( s ) needs to be DELETED due to inaccurate information reported within my consumer report if it can not be 100 % verified/validated within 30 days of your receipt of this dispute notice. Failure to do so could constitute willful non-compliance. 
Please DELETE this erroneous, inaccurate information from my consumer report within 30 days of your receipt of this letter if this information can not be made complete. 

Thank you for your rapid response in this very important matter, XXXX XXXX.
Product: Credit reporting or other personal consumer reports

Upon reviewing my TransUnion credit report, I found multiple fraudulent accounts and unauthorized inquiries that I did not open or approve. These accounts have negatively impacted my credit score. I have attached my FTC Identity Theft Report ( Case # XXXX ) as supporting documentation. 
Fraudulent Accounts on TransUnion : XXXX ( Opened : XX/XX/XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) ( Opened : XX/XX/XXXX ) XXXX XXXX XXXX XXXXXXXX XXXX XXXX : XX/XX/XXXX ) XXXX XXXX ( Opened XXXX XX/XX/XXXX XXXX XXXX XXXX  ( Opened : XX/XX/XXXX ) XXXX XXXX XXXX ( Opened : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) XXXX XXXX XXXX ( Opened : XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX ( Opened : XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX ( Opened : XX/XX/XXXX ) XXXX XXXX ( Opened : XX/XX/XXXX ) Unauthorized Hard Inquiries on TransUnion : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the presence of some unauthorized hard inquiries on my credit report, as indicated in the report recently provided by your agency. Upon careful review, I have identified these inquiries that were conducted without my explicit consent or knowledge. I am reaching out to seek your assistance in thoroughly investigating and expeditiously removing these inquiries from my credit report, as it adversely affects my creditworthiness
Product: Credit reporting, credit repair services, or other personal consumer reports

After my identity been compromised I've noticed accounts on my credit file inwhich i have absolutely no knowledge of, I'm asking that these accounts be removed and blocked from my credit file immediately. 

1 ) XXXX XXXX XXXX {$300.00} 2 ) XXXX XXXX {$65.00} 3 ) XXXX  XXXX XXXX {$160.00} 4 ) XXXX XXXX XXXX {$400.00} 5 ) XXXX XXXX  XXXX {$51000.00} 6 ) XXXX XXXX XXXX XXXX XXXX   {$30000.00} Please provide me with physical documentation of these accounts, or remove them.
Product: Credit reporting, credit repair services, or other personal consumer reports

On X/XX/2017, I submitted a dispute to Equifax and they refused to remove several accounts listed on my dispute. The accounts were submitted under identity thief. However, they refused to remove the accounts. I received no validation on why the accounts remained. According to the FCRA 605b 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, not later than 4 business days after the date of receipt. I received no results until after 30 days and no valid reason why they remained. I am submitted a police report along with my dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity was been stolen, I have contacted TransUnion regrading this issue a ton of times and they refuse to help me. I have mailed paperwork after paperwork and they have done nothing for me. I need some help
Product: Other financial service

Got a bill on an account I never knew I had for {$130.00} from PAYPAL CREDIT. Used it 4 years ago and was never informed before using it online with XXXX that would be additional charges. Used it a few times and never got any info from them until now!
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXXXXXX XXXX account number XXXX. I see that this account has been charged-off and yet there is a past due balance on your reporting .Do you know it is a VIOLATION? I urge your agency to reinvestigate this account and ensure that CORRECT, FAIR and COMPLETE reporting is given. As required by the FAIR Credit REPORTING ACT Laws. I DO NOT believe that this account is ACCURATE.
Product: Checking or savings account

On XX/XX/year>, I made a large purchase on XXXX for {$570.00}, which included an authorization charge of {$550.00} and a separate charge of {$23.00}. This charge initially appeared on my USAA bank account as a finalized transaction. However, on XX/XX/XXXX, the charge of {$540.00} disappeared from my bank account without explanation. When I contacted USAA, they informed me that they had no record of the charge and suggested that I reach out to XXXX. 

I spoke with multiple XXXX customer service agents on XX/XX/XXXX and XXXX, who explained that the charge was an authorization hold and was properly processed on their end. XXXX assured me that they had received the payment and that no further charges were pending. However, my bank stated that the charge behavior ( disappearing and reappearing ) was due to XXXX system. 

As a result, I am left without a clear answer from either USAA or XXXX. Both companies point to each other as the source of the issue, leaving me with an incomplete and confusing explanation of why this happened. I requested documentation and transcripts from both companies to verify what occurred, but I have not received satisfactory information or support. This has caused significant concern, as I want to understand the reason for this discrepancy and ensure my accounts are secure. 

I would appreciate it if the CFPB could investigate this matter to clarify why the charge appeared to disappear and reappear, and to help prevent this from happening again in the future.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second complaint on TransUnion for the same issue. Company " responded '' that the credit score has a fee. I know that. TransUnion cashed my {$15.00} check on XX/XX/2022, which paid them to obtain my credit score, and they still have not provided it. They have had the money for four months. They need to send the score.
Product: Mortgage

We had Nationstar Mortgage as our mortgage company. As we were trying to refinance with another company, our home incurred smoke damage and we had to file an insurance claim. Once we received the checks from the insurance company, we signed them and send them to Nationstar to be signed and for the funds to be paid to the contractors that completed the work on our home to be returned. In addition to the checks, I sent all the paperwork that was completed by our contractors, XXXX, etc on XXXX XXXX, 2015. On XXXX XXXX, 2015, an inspector for Nationstar came to our house to confirm that the work was completed. I was advised that once this was done and the report by the inspector was submitted, the funds would be sent to me. I paid an additional {$30.00} to have the funds overnighted to me, as I wanted to get the contractors paid. Our refinancing went through and our loan was paid off on XXXX XXXX, 2015. When I called Nationstar several days after the inspection was completed, I was informed that since the loan was paid off, the insurance funds had been put into a secure escrow account. I was transferred several times and was told that the funds would be released in XXXX to 45 days, the next person stated that the funds would be released in XXXX to 60 days and the last person advised me that it would be paid in 30 days, along with my regular escrow account. I advised that I needed to pay the contractors and was told that it was going to take the said amount of time and there was nothing that could be done to speed up the process. We received our payout for the regular escrow account, as well as the over payment, but have yet to receive the funds from the insurance company. We are now being told by XXXX of the contractors that he will charge us a late fee of over {$4000.00}. Another contractor is threatening to put a lien on our house. My husband and I have made several phone calls to no avail. They are holding on to {$45000.00} of insurance funds for a house that they no longer have a vested interest in and nobody has been able to tell us, why this process is taking so long.
Product: Debt collection

This is a formal complaint that you are reporting inaccurate and incomplete credit information. I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be investigated. 
1. I am asserting my rights under the Financial Services Modernization Act and the Fair Credit Reporting Act to " opt out '' of the following two uses of my personal information : a. You do not have permission to disclose personally identifiable information with your nonaffiliated third-party companies or individuals. b. You do not have permission to disclose my creditworthiness to any affiliate. 
2. I am further instructing you : a. Do not disclose any of my transaction and experience information to any affiliate of yours. b. Do not disclose any information about me in connection with marketing agreements between you and any other company. 
3. Please respond to me in writing stating that you will comply with these instructions. If I have not received a letter within ten days specifically denying my instructions, I will assume your records have been noted to comply with this letter. I am mailing this in a sealed envelope, and I am NOT including my social security number. I believe my name, address and account number identify me sufficiently. 
I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. 
Failing that, the item must be deleted from the report as soon as possible. This information is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last six months, or the last two years for employment purposes. 
Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber.
Product: Debt collection

They are emailing and harassing me. It if a XXXX violation to have my personal information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE A COLLECTION FOR XXXX XXXX  AND XXXX XXXX XXXX, I DO NOT OWE THESE COMPANYS ANY MONEY, THEY CAN NOT PLACE A DEBT ON MY CREDIT THAT SHOULDNT BE ON MY CREDIT,
Product: Debt collection

Company : XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX Original Creditor : HSBC BANK Company has attempted and continuously attempts to collect a debt that I have paid twice with two different debt collectors.