23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

XXXX XXXX, 2020 Pending XXXX PAYMENT TO XXXX XXXX- {$93.00} XXXX account : XXXX XXXX, XXXX My Chase checking account was scammed {$93.00} to the fraudster. I realized immediately it after sending the money and tried to contact the Chase bank, by BOTH phone call AND secure message. The message received no instant reply, obviously. 

The scam happened on Saturday night and the Fraud department was 'out of business hour '. Although regular customer service is available on the next morning, they can do nothing about this. Was finally able to get in contact with the Fraud dept. in the early Monday morning. The representative talked in an indifferent tone and sounds reluctant to help. Requested to get the scammer 's bank information to investigate for myself, and was rejected. 

Couple of days received a canned response letter saying 'As we discussed and agreed, no action will be taken '. Well I never 'agreed ' on something like that. 

Money is no big deal ; at least Chase should report or help put the suspect under spotlight to prevent potential losses of other customers. But they replied 'no actions will be taken '. 

Been a Chase customer for years with regular direct deposit and tens of thousands of savings and lots of credit cards. And for the same kind of cases, I heard there WERE banks that were proactively reaching out to help and willing to compensate their customers. If you are looking for banks that really care about customers, look somewhere else.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im having trouble opening an account due to being a victim of fraud. Someone I didnt know deposited and withdrew money and caused my account to close and I wasnt aware of the situation around last year, I talked to the bank and they said I have to clear it off my record. If you could please help me with cleaning my record to be able to open an account I would highly appreciate your support, thank you.
Product: Mortgage

I have a HELOC with Chase in which the repayment period begins in XXXX 2015 ( from interest only to amortizing ). Chase sent notices a year prior to maturity which is appreciated. My payment will more than double. I have attempted to be pro-active and have tried to refinance my HELOC. Since the value of my house is approximately the same as the balances of my XXXX and HELOC, Chase and other lenders can not assist. My credit score and DTI are very strong. Chase offers mods but only if there 's a financial hardship and it will adversely affect my credit score. I would like to refinance both my XXXX and HELOC and lower my potential payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX 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: Debt collection

The purpose of this complaint is to clarify the terms and accounting on my clients ' mortgage. My clients suspect that they may be the victims of a predatory loan. They have asked the lender several times for basic documents and accounting, but it has failed to provide this information. 
The debt originated with Chase in 2005 with a balance of approximately {$290000.00}. Over the years, my clients have received XXXX hardship modifications to the loan ( XXXX for unemployment and XXXX for XXXX ). These modifications included a forbearance period. 
As my clients began to receive statements from Chase, they were surprised to find that the new loan balance had grown to approximately {$310000.00} -- an amount greater than the original debt. They made inquiry to Chase but received no relevant explanation of the new balance. My clients then filed a complaint with the Arizona Attorney General 's Office, questioning if the terms of the modifications were predatory. Several days later, Chase sent notice that the debt was transferred to XXXX XXXX XXXX. 
Because of the actions of the banks, I suspect that there are unfair, predatory, abusive and/or deceptive terms in the loan or modifications. Further, because my clients have not been provided with relevant information concerning the debt alleged, they feel they can not make informed decisions about it.
Product: Debt collection

Debt was paid in the amount of {$490.00} to Debt Credit Services for   XXXX   XXXX   XXXX   utility bill.
Product: Credit reporting or other personal consumer reports

I disputed on credit Bureaus to update information. Privacy and consent on late payments. 15 USC 1666b. Please update on each credit report was requested and I received a letter back stating no errors when there are in fact errors on report.
Product: Student loan

Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 


In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U, S. Cilde 1681e ( b ) and 15 U.S. Code 1681 ( 5 ) these accounts are in violation of not reporting 100 % accurate.

The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report?

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure I plan on seeking remedy for damages for each Federally protected consumer rights violations under USC 1692 and legal actions if this issue does not resolve.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX XXXX, and the information listed below on my credit report is a direct result of that trafficking. In accordance with my rights under Section 605C of the Fair Credit Reporting Act ( FCRA ), I am formally requesting the removal of the following erroneous information from my credit report : 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 XXXX XXXXXX/XX/year> As mandated by Section 605C of the FCRA, please block this information from my credit report within four business days. I also request written confirmation of the actions taken regarding the removal of these items.

Thank you for your prompt attention to this matter.
Product: Consumer Loan

my car was repossedOn XXXX XXXX 2015 you received documentation under the certified mailing number XXXX XXXX XXXX XXXX XXXX in which I provided you with my U.C.C filing numbers as an SECURED PARTY CREDITOR from Federal and State. You were also provided with a copy of the XXXX XXXX XXXX validating my lawful means to discharge this debt using the negotiable instrument AFV ( Accepting For Value ) used in the dischargement of debts. You were also given the IRS documentation used for the transmitting of this negotiable instrument. You refusal to cooperate was a personal decision on the part of your corporation. As per our XXXX letter I stated that if your company was exempt from these procedures to please send me a written response explaining your exemption status as well as the return of all documents that I sent you. You refused to comply, and now you have sent a repo person to repossess the vehicle under XXXX name which was illegal, unlawful, and dishonorable. Upon receipt of my status you circumvented further communication with me my using XXXX XXXX name as the person to repossess the car from The Uniform Commercial Code Article 9 states that Legally, after a debt discharge, the creditor has no legal basis to pursue the debtor and has no claims on the assets that are currently owned by the debtor or assets that the debtor acquires in the futureThe only remedy that can be given at this point in time is the return of the vehicle and the discharge of the debt which I was informed by telephone on XXXX/XXXX/15 by XXXX XXXX ID # XXXX who said that the car had been discharged, I am sure XXXX, XXXX has a record of that conversation since I was informed at the onset of the call that our conversation was being recorded.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I sent an FTC report to Equifax about 7 accounts on my credit report that were not authorized by me. The account names is " XXXX XXXX XXXX XXXX. Equifax refused to dispute these accounts unless I provide identification. On XX/XX/year> I sent FTC report again with identification and now Equifax has stated the FTC report is now " invalid '' to dispute these 7 accounts. I am now sending another FTC report on XX/XX/XXXX which would be a third time. I also listed the exact account numbers. The account numbers are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX. DELETE THESE ACCOUNTS FROM MY CONSUMER REPORT.
Product: Debt collection

Convergent reported a collection account on my report. Prior to reporting the account, I did not receive notice of my right to dispute.
Product: Money transfer, virtual currency, or money service

On XX/XX/2021 I emailed Coinbase, as they have no way of contacting them by phone, which I find unfair, and strange. 

I need them to fix this problem for me ASAP. 

I used to have an old account with the company, which I've since deleted. 

I now have a new account that I use. 

However, I need access to the XXXX file of all of transactions that took place on the old account emailed to me. Or, a merge of both accounts so that all transactions become accessible on the new account I use.
Product: Debt collection

There is an account that is reported on my credit reports as Transworld systems, I have received no communication from this company as to my rights or to validate the debt is mine
Product: Mortgage

I started calling XXXX on XX/XX/XXXX regarding a hail claim. It takes forever to get through their automated system. I think there were more than 20 questions and several were repeated more than once. I eventually agreed to leave my contact information to have someone call me back. It said I would not loose my spot in line if I left a message to call me back. No one called me back for the next three days so I called again. 

I called back on XX/XX/XXXX. Per my notes I was on the phone 42 minutes, then spoke to XXXX. He opened a claim profile and sent me the package. We had some discussion about my claim since it was over {$40000.00} where they want me to mail them the check and sign it over to them, whereby they would disperse when they were satisfied their requirements were met. XXXX told me since my initial check was under {$40000.00}, they would endorse it over to me so I could get the repairs started but once the total paid went over {$40000.00}, they would go into their more involved process where they required I endorse the funds over to them and then they would hold them in escrow until they sent inspectors out and were otherwise satisfied the work was done correctly. 

I sent in the insurance check with my cover letter on XX/XX/XXXX. Being the holidays, I did not expect an immediate response but hearing nothing for three plus weeks, I emailed and faxed the listed email and fax number on XX/XX/XXXX. Since I sent it late in the day, they probably did not get it until the XXXX. I received an automated email asking me to give them 48 hours to respond. 

Hearing nothing, I sent them a follow-up email and fax on XX/XX/XXXX. I received the same automated response. I received a read acknowledgement on the morning of XX/XX/XXXX. I have heard nothing more so I sent them another follow-up this morning. 

The roofer is ready to start the work but I need the check so he has the funds to get started. This should not take more than a month to turn around a check and it should not take more than a week to get a status update. 

I do not know why I should agree to sign over insurance proceeds to them so they can use my money for free if they are going to take more than a month to respond and ignore repeated phone calls, emails and faxes.
Product: Credit reporting or other personal consumer reports

Im disputing information on my credit report. Pursuant to FCRA 605B Im including exactly what youre requesting. Proof of my identity, accounts which were involved with the theft & a copy of a completed & submitted FTC identity theft report. Im complying with the letter of the law & what youre required to have to honor my 605B request. The following accounts need to be blocked or removed from my report. Please see this matter is attended to with the utmost urgency. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

account not mine i didnt open account .  XX/XX/XXXX XXXX original creditor debt collection agency is Caine & Weiner .. On XX/XX/XXXXXXXX XXXX XXXX Iam XXXX years old i dont even watch cable account not mine..
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX, acct.no. XXXX, a collector for original creditor, XXXX XXXX XXXX XXXX is wrongfully appearing on the BIG 3 credit bureau reports and possibly others. 
This can only be interpreted as a secondary level of extortion.ALL OF THE DEBT evolves from a @ XXXX dollar deposit not credited in a timely manner, according to the banks account disclosures booklet, resulting in more than 10 @ XXXX dollar check bounce fees on many small items of approximately {$4.00} to {$10.00} dollars each.By not crediting the deposit made hours before the proper disclosed business day cutoff, and taking their time to credit the deposit which paid overnight, the XXXX bank self-generated about {$350.00} in fees. 
Federal reserve guidelines were not adhered to regarding bank cutoff, hold times, business day, banking day, etc so that the bank could generate massive illicit fees without risk or investment.The unscrupulous bank has now turned their illicit endeavor over to professional extortionist XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

DISPUTE OF INACCURATE ON CREDIT REPORT This letter directly incorporates the issues identified in the CFPB lawsuit and references your rights under the FCRA to demand compliance and corrections. 
I am writing to formally dispute inaccurate information that remains on my credit report despite previous disputes filed with your agency. The failure to correct or remove this information after my attempts to resolve it is in violation of your obligations under the Fair Credit Reporting Act ( FCRA ), as recently highlighted in the Consumer Financial Protection Bureau 's ( CFPB ) lawsuit against Experian ( Case No. 8:25-cv-24 ).
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  account 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 2 : It also states a consumer reporting Agency Can not Furnish A Acct without my written instructions. 
XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US DEPT ED XXXX XXXX XXXX XXXX US DEPT ED XXXX XXXX XXXX XXXX DPT EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX
Product: Credit card

I have consistently made sure that payments on this account are made promptly, never allowing them to be overdue. I'm uncertain about the rationale behind the reports of late payment remarks on my accounts. Referring to 15 USC 1666b - Billing Error, corrections should be made.
Product: Mortgage

I ( co-borrower ) am currently applying for a modification with Bayview Loan Servicing. My file was under review, until I was notified by the underwriter that I must remove the primary borrower ( quit claim deed ) in order to proceed with my modification request. This to me seems to be unethical, that in order to continue the review for a modification my wife must relinquish her rights to the property per the hardship. 
Our current hardship is that we have legally separated. We both agreed to work on resolving the mortgage issue as we are both responsible for the loan. We have provided proof to our servicer that my wife ( borrower ) is not contributing to the household income. Yet this did not satisfy the servicer. 
The servicer is now requesting the removal of my wife from title, through a quit claim deed, so that my file remains under review. Please help us to determine if in fact this is truly a requirement for a modification review.
Product: Debt collection

I am writing to file a formal complaint against Equifax regarding the illegal reporting of a charge-off, which is considered a certificate of indebtedness and therefore income under IRS Publication XXXX. This erroneous reporting violates federal regulations, including the Fair Credit Reporting Act ( FCRA ) and the Privacy Act of 1974, causing significant financial and emotional distress. The charge-off, considered as income per IRS Publication XXXX, should not be included in consumer reports, as explicitly mandated by federal regulations. However, Equifax has inaccurately reported this income, breaching the FCRA and IRS guidelines. This misleading reporting not only misrepresents my financial standing but also infringes upon federal regulations designed to ensure accurate and fair reporting to consumers. Despite my attempts to rectify this issue directly with Equifax by disputing the inaccurate information on my consumer report, the erroneous reporting persists. This continued misreporting has substantially hindered my ability to access credit and financial opportunities. Furthermore, Equifax 's actions violate several federal statutes, including : XXXX. Violation of FCRA Sections 1681 ( a ) and 1681 ( b ) : Equifax 's illegal reporting of inaccurate information without my explicit consent contradicts the FCRA, impairing the efficiency of the banking system and undermining public confidence essential to its functioning. XXXX. Violation of FCRA Section 6802 : Equifax reported information without my consent, breaching my opt-out rights and failing to disclose clearly and conspicuously that such information could be disclosed to third parties. This continuous inaccurate reporting has resulted in substantial financial damages and emotional stress. Moreover, it directly contravenes federal laws aimed at protecting consumer privacy and ensuring fair and accurate credit reporting. I respectfully request the Consumer Financial Protection Bureau to investigate this matter thoroughly and take appropriate action against Equifax for their egregious violations of federal statutes. Additionally, I seek immediate rectification of the inaccurately reported information on my consumer report to mitigate the ongoing financial and emotional distress caused by their actions. Enclosed are supporting documents detailing the inaccurate reporting and relevant federal statutes for your review and consideration. Thank you for your attention to this matter. I eagerly await your prompt response and resolution and demand under XXXX XXXX ( b ) that this be removed within ( XXXX ) days of delivery.
Product: Debt collection

Bureaus Investment Group Portfolio, NO. 15, LLC XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX https : //www.thebueaus.cpm/ Trying to collect {$650.00} that is not valid. Provided information on XX/XX/2020 via email that the XXXX XXXX  was returned and a refund was issued but never applied to clear balance. XXXX XXXX  XXXX made a report to credit bureaus which has had a negative effect on my credit. This was from a XXXX account which was issued by and owned by XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Equifax because my credit score, according to XXXX, was noted to have gone down 40 points. I understood when I closed three long-standing XXXX XXXX   accounts ( checking, savings, credit and debit cards ) that my score would be affected, but not to the extent it was. I closed these account because of XXXX XXXX XXXX predatory corporate practices and do not regret severing ties with them. I was a part of the Equifax breech, and I spent untold hours, as well as money, to freeze accounts with XXXX and XXXX, SS and the IRS, etc ... to ensure no one could steal my identity. When I called Equifax today to see what I could do to raise my score back up, they told me XXXX did not report my account closures. Then how did my score go down 40 points? I asked her what Equifax showed as my credit score and she said she could not provide that to me over the phone and I would have to pay {$7.00} if I wanted it sent to me. I asked to speak with a supervisor ( on hold for 20 ) and he told me the same thing. They would not send it to me for free, or provide my credit score over the phone. I then asked to speak with a manager ( on hold for 30+ minutes ) and before anyone came on the line, my call was disconnected. I then called back. Had to go through a supervisor again, and have now been on hold for 1 hour and 11 minutes with no manager in sight. Equifax is notorious for hanging up on customers they don't want to talk to, or placing them on hold for an exorbitant amount of time in hopes they will give up, and hang up. My credit score was exemplary at XXXX before I closed the XXXX accounts. There is no way it went down without it having been reported to the three reporting agencies. If they are not showing that the closures were reported, then the least they should have done is tell me what they show my credit score at to confirm it wasn't reported. I wasn't asking out of curiosity. My complaint : Equifax, both in the past and currently, continually hangs up on consumers they don't want to talk to. This has happened to me on no fewer than 1/2 dozen occasions, both in 2017, when I was looking for information to clean up their mess after their breech. as well as currently. I spent {$20.00} to freeze my reports with the other two reporting agencies. I haven't received a refund from Equifax and want my money refunded if they refuse to offer a free credit score when indicated. Thank you for your time. P.S. One hour and 18 minutes later, I'm still on hold waiting for an Equifax manager to pick up the phone!
Product: Mortgage

After 3 attempts to refinance loan thru Ocwen. 
I have emails XXXX, XXXX, XXXX. 

Without notice to myself and XXXX XXXX they sold my house and I owed $ XXXX Sold for $ XXXX. 

I had a new loan lined up with a family member, to sell the house when prices peaked like they did 8 months later. 
House sold for $ XXXX I have not recieved any . I have attempted contact. Have recording of contact and no response.
Product: Credit reporting or other personal consumer reports

BOUNCE AI keeps reporting false information on my credit report after debt has been disputed multiple times, I have no contract with this company whatsoever. This company continues to violate my consumer rights per the FCRA, and this info is damaging my ability to obtain credit and have a better quality of life. Attached to this complaint will be the dispute letters that I have sent them.