23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

i was looking over my credit report and i noticed inaccurate information on my credit report and i noticed that my consumer rights had been violated. These are the inquires that are unauthorized 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX # XXXX, Account name : 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

I have an unauthorized credit inquiry that needs to be removed open date XXXX XXXX for the amount of XXXX $
Product: Bank account or service

Basically Chase Bank and Credit card added a fee of {$79.00} per year to our CC which they paid their afilliate Prestige Card Services of XXXX, XXXX, FL XXXX, This deduction from our Credit Card account {$79.00} per year since XXXX to XXXX for some travel benefits, which we did not order in any way. We were travel agents at the time and received all these benefits free. We never in the 12 years received any information about the card or the services available. We never used the services., How did we find out about this issue after all these years. We received a post card copy XXXX XXXX XXXX, asking us if we wished to renew our membership for another year at {$79.00}. This is tye first time we received any information about this service. 
We called the number on the card XXXX on the XX/XX/XXXX and at XXXX the same day we called XXXX and spoke to a person ( XXXX ) who claimed to be the calling service for Prestige Card Services. After some discussion she told us we had paid for the service since XX/XX/XXXX. This is 12 years at $ XXXX a total of {$940.00} We asked for some proof that we ordered this service. She said it was on file and she would make a note to have the company call us on Monday XX/XX/XXXX. No call received We asked for a full refund as we did not request nor commit for this service. She took a phone break and came back offering us a refund for XXXX years. 
I asked who she was because calling services have no authority to give refunds. The agent was flustered took several short breaks to talk to someone, and stated someone would call us back on Monday and straighten this all out. No one ever did call. 
We googled XXXX and was amazed of how this company an afilliate of Chase can operate in this Fraudulent manner.
Product: Mortgage

I started working with XXXX XXXX in late XX/XX/XXXXwhile I was XXXX. At the time he was working at XXXX XXXX and told me to go find a house I liked quick so I could bring my XXXX to a new home ( XXXXXX/XX/XXXX ) and did n't give me any numbers for the loan. Just said " I 'll make it work ''. Well after finding a home, which was {$160000.00} I was told that the taxes were too high so get my {$1000.00} earnest money back. So I started looking again and I was told he could get me a XXXX  county DPA for {$10000.00} so just do n't go over XXXX with taxes at 1 %. So we looked again and I found a house in XXXX county that I loved. I asked him on several occasions to give me my limit and he never would. Always disappearing and would n't get back to me with answers to my question because I did n't want to put my money down AGAIN to have to fight to get it back. He assured me it would close so I paid {$1000.00} earnest money, {$300.00} inspection and {$490.00} appraisal on a {$170000.00} home!! I told him from my calculation at XXXX salary I was n't comfortable with this price. He said ok refinance your car and I did. We were set to close on XX/XX/XXXX. The weekend prior to close, he called me and said to meet him asap at XXXX because their was a problem. When I got there I was told, he had left XXXX XXXX in XXXX!!! And forgot to tell me so his new job at XXXX XXXX did n't have the XXXX XXXX program so he 'd given my loan to XXXX XXXX at XXXX XXXX! I said why did you move my personal info without telling me! After more lies we parted ways and XXXX started calling for more info so basically the loan had to go back through another 30 day process. XXXX told me my loan was approved but underwriter wants the promissory letter from my student loans. I sent it. The said ok you 're good. Then came back the next day and said you need a cosigner! I said why when I 'm approved. She went on lying until 3 days before the close ( XX/XX/XXXX ) and said she 's sorry but I was " dead in the water from the beginning '' the loan would never close! I cried and begged her to try to fix it because I did everything right and now I 'm stuck with a new XXXX, no where to live and I paid my {$1800.00}. She was no help and just said its not going to work, find something XXXX and discounted the call. I 'm devastated!
Product: Credit reporting or other personal consumer reports

XXXX XXXX provided me with a truck loan, loan XXXX. Theyre incorrectly reporting me 30 days late for XX/XX/ to XXXX and Transunion XXXX XXXX already got my dispute and correctly removed the 30 day late. What happened was for XX/XX/2024 I made the payment on the XXXX day which was a Sunday, and since theyre closed on Sunday companies under proper credit reporting guidelines are supposed to give the payment until XXXX the following business day to post. My payment was not over 30 days late, it was made on the XXXX day, making it not over 30 days, which XXXX correctly reported. This incorrect 30 day late on TransUnion and XXXX is causing me to not be about to close on a home mortgage for my family. Ive never paid 30 days late on any account on my life, and this error is harming me and my family severely. XXXX XXXX is incorrectly refusing to remove the 30 day late with TransUnion And XXXX. XXXX attaching a copy of XXXX removal of the 30 day later from XX/XX/2024 reporting.
Product: Credit reporting or other personal consumer reports

These late payments don't align with my typical payment history.
Product: Debt collection

I sent XXXX debt validation requests to CACH LLC and they have ignored all of my requests. I do not recognize this debt and I need proper validation.
Product: Debt collection

I received a phone call from National Recovery Agency on XX/XX/year> stating that I owed a debt. I asked for whom this is for and they would not tell me. I asked who the orginal creditor was and again, they refused to tell me. I asked for an official debt validation letter to be sent to my home address and they said that they wouldn't be doing that. 

Now, I have a collection account on my credit report. This needs to be removed from my credit report ASAP and this predatory debt collector needs to be disciplined ASAP as they are ruining people lives by not following the laws put in place to protect consumers.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681., Account name : XXXX XXXXXXXX # 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

Jefferson Capital Systems XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX RE : XXXXXXXX  Acct. # XXXX Amount : {$17000.00} The above account is on my credit report. Please send me proof that you are the actual owner of this debt as there are a lot of scams on the internet. I request all communication be sent to my electronic email address : XXXX for privacy reasons.
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report.XXXX  XXXX {$2100.00} XXXX   XXXX  XXXX  XXXX {$570.00} XXXX XXXX {$89.00} XXXX  XXXX XXXX {$390.00} XXXX XXXX XXXX {$690.00} XXXX  XXXX {$980.00} XXXX   XXXX {$1400.00}
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Subject : Disputing Unauthorized Credit Inquiries on My Credit Report Dear Sir/Madam, I am writing to formally report a series of unauthorized credit inquiries that have appeared on my credit reports maintained by XXXX, TransUnion, and XXXX. I have no knowledge or record of authorizing these inquiries, and I am concerned that they may be a result of identity theft. 

The specific unauthorized inquiries are as follows : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I have already submitted a complaint regarding suspected identity theft to the appropriate authorities and have taken steps to secure my personal information. Despite this, these unauthorized inquiries continue to appear on my credit reports, which I believe to be in violation of the Fair Credit Reporting Act ( FCRA ) and other federal regulations governing consumer rights. 

Under the Fair Credit Reporting Act ( FCRA ), specifically Section 605 and Section 616, I am entitled to dispute inaccurate or fraudulent information on my credit report. The law mandates that credit reporting agencies must investigate and correct any information that is found to be erroneous or a result of identity theft.

Additionally, under Section 605A of the FCRA, credit bureaus must remove any fraudulent information resulting from identity theft within a reasonable period upon receiving a formal complaint from the consumer.

As I did not authorize any of the above-listed inquiries, I request that you take immediate action to investigate and remove these unauthorized inquiries from my credit report. I also request that you provide me with written confirmation of the removal of these inquiries, along with an updated copy of my credit report from all three bureausExperian, TransUnion, and XXXXonce the investigation is complete.

Please advise me on any additional steps I may need to take to facilitate this process. 

Thank you for your attention to this serious matter. I trust that you will handle my request promptly in accordance with the law. 

Sincerely, XXXX XXXX
Product: Money transfer, virtual currency, or money service

I joined Coinbase in XX/XX/XXXX. Things were going fine until my Coinbase accout XXXX was hacked. I had coinbase place a freeze on that account immediately butbthe hackers had already stolen my funds. I also had a second account XXXX which I believed may have also been hacked. I found out two days later that was not the case and to please reopen my XXXXXXXX XXXX XXXX account for trading and transferring my fund into my attached bank accounts. As I stated the theft took place in XX/XX/XXXX. By the middle of XXXX I still had heard no response to my requests to open. Finally at the end of XXXX I was told that I was able to use my XXXXXXXX XXXX XXXX account. All was well until I received a notification of suspicious activity in my account and my account was again unable to place buys or deposits. I was told this should take 24/48 hours to investigate and return my account. Once again I was placed on a cycle on neverending unanswered emails until I finally got so frustrated I typed a letter to the privacy/disputes department. I received an email from XXXX who had gone through all my documents and agreed this had gone on long enough and he was personally going to make sure my account was escalated to the proper authorities for an explanation of what was going on in my account. Finally on XX/XX/XXXX I received an email from Coinbase support that they had reviewed my account and were reinstating it. I made two {$50.00} transactions of bitcoin and ethereum, paid for them with my XXXX debit card and everything seemed fine. The next day I attempted to make another small trade and my account once again had been closed to buys or deposits. When I emailed for an explanation I was told my account was not eligible for a review at this time and Coinbase could provide me with no further explanations. I sent a second letter to the privacy/disputes department on XXXX XXXX and have had no response to date.
Product: Vehicle loan or lease

Since i got this car i been complaining about manny mechanical problems on the car, every single month i have to put alot money to fixed. 
Is XXXX  XXXX XXXX and the price over {$9.00}. 
I ask the financial company 1 time to help me fix it and add the cost to my loan or any help and denied. At this moment car is down again. When i bough the car they told me was fine so i feel like they rip me off and now im about to call get the car but they go put repo on my background. 
Can us help
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to formally request your intervention regarding Equifax 's unfair and unlawful practices, specifically related to violations of 15 U.S. Code 6802 ( b ). The continued mishandling of my personal information has caused significant emotional, financial, and other harm to me and my family. Equifax has failed to address my concerns adequately despite a prior complaint.

1. Failure to Comply with Opt-Out Requirements : Equifax has unlawfully disclosed my personal information to unaffiliated third parties without meeting the federal disclosure requirements established under 15 U.S. Code 6802. This law obligates financial institutions to provide consumers with clear disclosures and an opportunity to opt-out before sharing their personal information. Despite these obligations, Equifax has neglected to provide me with proper disclosures or a meaningful opportunity to opt-out, leading to the unauthorized sharing of my information and the persistence of inaccurate data on my consumer report.

2. Significant Emotional, Financial, and Other Harm : This noncompliance has resulted in severe emotional, financial, and personal distress for my family and me. The presence of unauthorized and inaccurate accounts on my consumer report has hindered my ability to manage my finances effectively, secure opportunities, and maintain peace of mind. This ongoing harm directly results from Equifax 's failure to uphold its legal and ethical responsibilities.

3. Inadequate Response to My Complaint : On XX/XX/year>. I mailed a formal complaint to Equifax via certified mail, requesting that they address these violations. However, more than 30 days have passed, and no corrective actions have been taken. Unauthorized accounts remain on my consumer report, and Equifax has not provided any resolution. I demand the immediate deletion of all unauthorized noted accounts on my consumer report and request that Equifax block the involved companies from making future updates to my report to prevent further harm.

Equifax 's actions violate my consumer rights and demonstrate a disregard for federal laws designed to protect individuals from unauthorized disclosures and inaccuracies in consumer reporting. I request that the CFPB investigate this matter thoroughly and hold Equifax accountable for its unlawful practices. Should Equifax fail to resolve these issues, I am prepared to explore all available legal remedies to protect my rights.

Thank you for your attention to this matter. Please let me know if you require any additional documentation or information.
Product: Debt collection

XXXX reviewed my XXXX credit report XXXX sent validation letter to LVNV- original creditor XXXX XXXX XXXX No response from LVNV and still impacting my credit This account is way over the statute of limitations and should not be on my credit report.
Product: Checking or savings account

An unknown person stole my identity about a month ago. They even came to my house to steal SIM cards they ordered from XXXX XXXX XXXX in my name, so they know where I live and have interfered with my mail. They tried to open checking accounts with a number of institutions, many of which blocked them. 

Chime, which is owned by XXXX XXXX XXXX, allowed them to open an account and even sent a checking card to my house. When I tried to cancel the account, they told me that they couldn't find it even though I had the account number and card number. I'm afraid this person has somehow changed the name or social security on it and is using it right now.
Product: Credit reporting or other personal consumer reports

I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XX/XX/, and I have not yet received a response.
Product: Credit reporting or other personal consumer reports

This account was charged off on the following date ( XX/XX/2019 ) Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statue of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account. 
XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit report and I have found the following account listed below to be in error. Pursuant to 15 USC 1666b a creditor may not treat a payment on a credit card account under LATE OPEN and consumer credit plan as late for any purpose unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXX  XXXX XXXX Balance : {$1200.00}, XXXX XXXX Balance : {$9500.00} Date Opened : XX/XX/2007, XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$47000.00}, XXXX XXXX Balance : {$3700.00} Date Opened : XX/XX/2007
Product: Checking or savings account

On XX/XX/2023, I received a letter from Chase saying that it was closing my business accounts because of my association with a Chase depost account that was previously closed. In XX/XX/2023, Chase closed a small personal savings account because of " suspicious activity. '' However, the branch banker told me it was closed because of inactivity. Chase will not say why they are closing my business account. I have had the account for nearly 20 years and there has been no change in my transactions. This is incredibly disruptive to my business. Further, as a systemically important bank, Chase enjoys the implicit backing of the U.S. government, i.e., the taxpayers. The Bank expects the taxpayers to bail it out when it loses money, but it can not give its customers a reason for closing their account. Nor can they provide their own name or employer ID #
Product: Credit reporting or other personal consumer reports

This morning, I was stunned to see inaccurate accounts on my credit report and have no idea why theyre there. I regularly check my report, but today, out of nowhere, I saw discrepancies. I even refreshed my browser, hoping it was just a glitch, but nothing changed. Due to this, Im requesting that the documents Ive submitted be thoroughly reviewed so I can put this worry behind me.
Product: Credit reporting, credit repair services, or other personal consumer reports

On 2 separate occasions I attempted to place a freeze on my report from Sage Stream. Once online and sent verification documents including a copy of my XXXX and current lease. The second attempt was by phone with an agent who verified my identity and then confirmed my report had been frozen. All of this occurred in XXXX and XXXX of this year but as of XX/XX/2021 XXXX XXXX is still providing information to potential lenders.