23daVinci/CFPB_Complaints huggingface dataset:
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 federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following account has been paid but XXXX has been reported 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 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. 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 an 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I am requesting debt validation, according to 15USC 1692G, I have no knowledge or contract agreement, nor provided anyone permissions to share personal information with rental company, Experian Rental background, I am requesting wet signature and proper verification of this debt. This debt is violating my consumer rights. 

1. Send full detailed list of payment history on this account XXXX XXXX XXXX 2. I want to see original signature that I agreed to on the contract for this creditor 3. Has there been any insurance claims filed on this debt 4. I want to see the chain of title you have on this debt
Product: Credit reporting

Credit issue disputed with no final response. 
FHA loan Short Sale. 
Due to FHA guidelines I was required to be late on my mortgage and further decrease my credit score jeopardizing my livelihood with high interest rates, increased insurance premiums due to this requirement. I had a medical hardship as well. My property was listed on XXXX XXXX, XXXX and was not approved until XXXX XXXX, XXXX. Several escalations to XXXX XXXX were completed along with a conference call with the Short Sale Processing Manager and underwriting director. 
The first processor, XXXX XXXX on XXXX XXXX, XXXX denied my short sale application incorrectly. 
There were XXXX managers involved ; namely : XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX with escalation to FHA, Lender 's market value was less than the sales contract. First buyer terminated due to numerous delays and listing agent was able to secure a new buyer in XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

equifax, afraid my information was STOLEN and i ', m afraid to even use there site as i do n't feel secure it is safe to do so i think they should be made to help people affected and then GO TO JAIL!!!
Product: Student loan

I have a large amount of outstanding student loan debt and being the first in my family to graduate from a four year university, I was completely not prepared for what I was in store for. Fresh out of college and being bombarded with delinquency calls when I did n't even have a full time job, I was overwhelmed. My father made 3 different payments of {$9500.00} and come to find out years later, they applied the payments as regular monthly payments which went completely to interest and not a cent to principle. I was n't made aware of this until years later when I ran out of forbearance options and they would not accept what I was offering them monthly. As a result they ended up charging off XXXX of the loans and the allowing me to enter into a repayment plan paying the same amount I was originally offered before they charged this off on my credit. I just feel as though they took me for a ride and paying the ultimate consequence because I was not properly Informed. They destroyed my credit only for me to make the same payments I told them was affordable from the beginning but was not good enough.
Product: Credit reporting or other personal consumer reports

I sent a letter to XXXX and Experian about these inaccuracies on my credit reports for my XXXX XXXX XXXX  and they completely ignored my letter. They are also both reporting incorrect 30 day late payments, which never occurred, and need to also be removed/corrected.
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX was added as a authorized user on the account and they are reporting to XXXX specifically and the other bureaus that I was the account holder. I was authorized on the account from XX/XX/XXXX until XX/XX/XXXX. The derogatory information on the account was dated from XX/XX/XXXX until XX/XX/XXXX whereas I was never the holder of the account. 

This is preventing me from refinancing my property because it has decreased my score based on the wrong reporting user versus holder and the derogatory accounts whereas I was never even authorized for use. 

the case number they provided is # XXXX and they say that it will take 90 days to resolve and I am being charged {$5000.00} for an extension of my loan until its corrected. 

XXXX  will only accept this in writing and will not correct this situation in a timely fashion. 

Can I bill them for the additioanl fees? 

post script : they stated that I must provide my social security number in writing or they will not be able to assist me. This goes against any type of privacy laws that are enacted. 

And they gave me XXXX different addresses to resolve this matter. This is ridiculous and a complete waste of time and I have had no less than 3+ hours on the phone to resolve.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The Experian are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$4000.00} XXXX XXXXXXXX XXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXX Balance : {$0.00}
Product: Debt collection

This company called Municipal Services Bureau has repeatedly, abusively and excessively called my home telephone number and stated that it is important and urgent to call them back to discuss a debt ( they did not specify ) I owed that I know nothing about. I called the number back and the lady on the other end ( did not state her name ) said somebody will call back and discuss and was very vague. I told her to please not call my phone number again because she was harrassing me. They have been calling at least 15 times a day and leaving unwanted messages on my voicemail.phone.
Product: Credit card

Took a plan payment they call pay over time for an amount {$4300.00} for fixed fee monthly for 6 months. I need to pay to credit card {$750.00} each month for a total {$4500.00}. Chase bank offers this plan for any consumption over {$100.00}. 
I started this plan XX/XX/XXXX. I had a balance total in my credit card around {$9000.00} in this amount is include the {$4300.00} of payment plan. 
I payed around {$5000.00} one or two weeks after starting payment plan for this {$4300.00} of one purchase with my credit card Chase.

My claim is that chase bank got {$3300.00} of my payment of around {$5000.00} for pay the {$4300.00} and around {$1600.00} for the rest of my balance in my credit card. I have a plan payment of {$750.00} each month for my purchase of the {$4300.00} but they failed to comply with the payment plan or offered a misleading promotion. Because whe If I pay {$2000.00} this month the got {$1000.00} for the balance for the purchase of {$4300.00} so, in this case I would be paying the total of {$4300.00} in less that two months but they would continue taking the fixed fee around {$27.00} for 4 more months for this promotion misleading and fraudulent. 

Conclusion My payment plan is the XXXX to pay purchase of {$4300.00} In six months. The leftover money from my payments should go to total of my other purchases or balance. 

I took the same promotion pay over time in XXXX for purchasing airplane ticket XXXX for around {$5000.00} and payment plan 6 months and on that occasion chase credit card respected the payment plan without deception or cheating. 

I just want them to respect the payment agreement without cheating or cancel it. They can not keep all money {$4300.00} and also they continue to charge me the agreement fees {$27.00}
Product: Checking or savings account

I was at home when I notice an email on XX/XX/XXXXXXXX  around XXXX. The email shows that an account from Chime.com was opened. When I checked the time the account was opened was at XXXX XXXX XXXX. I went to the police XX/XX/XXXX, the same day I realize the account was opened, I also called chime to close the account, I send them prof of police report, the police officer send me a link to inform the FBI. The person impersonating me used my demographics which and old address along with my email, and made it seemed that it I that signed the contract for this online banking. 

Than another occasion similar to this happened on XX/XX/XXXX at XXXX I emailed the company and they emailed back that the account got closed. 


Also today XX/XX/XXXX another email came through at XXXX
Product: Credit card or prepaid card

Comenity Bank Forever 21 did not provide me with adequate privacy disclosures required by law. Therefore, I rescind my consent that I knowingly or unknowingly provided to your company, its employees, affiliates, non-affiliates, assignees and any other entity, to share my nonpublic personal information. The term nonpublic personal information means personally identifiable financial information provided by a consumer to a financial institution resulting from any transaction with the consumer or any service performed for the consumer ; or otherwise obtained by the financial institution. I have a right to opt out of my information being shared and hereby do so. The Gramm-Leach-Bliley Act limits your ability to share my personal financial information with certain non-affiliates. I HAVE A RIGHT TO PRIVACY. There is no law that gives you the authority to share my nonpublic personal information with any consumer reporting agency. I demand that you delete your account from any consumer reporting agency that you have furnished with my information in regards to any extension of credit, contractual, and or transactional relationship that I may have had with your company. You have failed to clearly and conspicuously disclose to me that my financial information may be disclosed to a third party. I was not given the opportunity, before the time that my information was initially disclosed, to direct that such information not be disclosed to the consumer reporting agencies. Lastly, I was not given an explanation of how I could exercise the nondisclosure option. DELETE the tradeline that you are currently reporting to any consumer reporting agency. Failure to do so, once this notice is received, will be an infringement upon my right to privacy. It would be in the interest of both parties to resolve this matter so that legal action will not be necessary.
Product: Checking or savings account

on XX/XX/XXXX i requested a international money transfer from XXXX  XXXX for {$100.00} with XXXX fee for the service. the {$100.00} was deducted from my Chime checking account on XX/XX/XXXX. the party never received the money. XXXX XXXX cancelled the transaction on XX/XX/XXXX but never refunded the {$100.00} to my account. A disputed was filed on XX/XX/XXXX regarding this matter.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I received an automated letter from Transunion in regards to an investigation for a dispute I submitted XX/XX/XXXX and I received a letter from XXXX for the same account on XX/XX/XXXX for The account " XXXX XXXX XXXX XXXX '' account # XXXX which is showing on my credit profile ( s ) as a prior charge off and a paid in full account.

As stated in both my Certified letter as well as my original CFPB complaint. This creditor listed should no longer be listed on my credit report for the following reasons : 1 ) This creditor is WELL PAST the statute of limitations in which the account was open and held in which is in the state of Nevada. In Nevada the LAW states that the Nevada Statute of Limitations is 4 years and no longer. Transunion and XXXX have made it a POINT to indulge and participate in " Unfair Business Practice '' by clearly knowing this information and being notified of this information multiple times and still choosing to undermine the law and keep this file on my credit report even though it's past the Statue of Limitations. 
2 ). Under FCRA 15U.S.C. 1681p Transunion and XXXX has failed AGAIN with obliging with FCRA LAW 3. ) Transunion and XXXX have now " verified and updated '' this account multiple times meaning that the information they publish on my credit report is INCORRECT, because by fact and knowledge if record was initially correct then there would not be a need to " update '' information. Also attached you will find copies of both credit reports showing different information for this account! One states that this account was only open for 1 month and Transunion is showing from XXXX which proves Verification from Both parties is fraudulent and information is clearly incorrect. Please note that by partaking in this corrupt business tactic, Transunion and XXXX have ALSO breached FCRA 15U.S.C. 623 which states : A furnisher of information ( Transunion/XXXX  ) must NOT furnish inaccurate consumer information. So Both Creditor ( XXXX XXXX and XXXX ( Transunion/XXXX  ) have deliberately obliged in Unfair Business Practice and Trade. 

I also requested NUMEROUS amounts of time a COPY OF THE METHOD OF VERIFICATION AS WELL AS A COPY OF " VERIFICATION '' ( Meaning a hard copy of contracts with WET signature or any documents proving and showing that this account is correct, in which I HAVE NOT AND NEVER RECEIVED ). 

With this information being on my credit report and remaining it has now caused me a great deal of LOSS and Emotional stress and damage. I am sending this complaint in as FINAL record of my consumer right to take the necessary steps to get this discrepancy and incorrect information off of my Credit report and getting it properly resolved, prior to forwarding this ongoing issue to the Attorney General 's office.
Product: Credit reporting or other personal consumer reports

I submitted a complaint on XX/XX/year> in reference to accounts being placed on my consumer report that violate my rights. Under 15 U.S. Code 1681 a ( 2 ) ( B ) Exclusions from a consumer report. XXXX and XXXX both closed accounts reporting on my consumer report are in violation, any credit transactions account is supposed to be excluded from a consumer credit report, if the consumer 's social security number was used in the transaction. Please be aware that all negative remarks found on my consumer report is a violation of the FCRA and FDCPA when you can not furnish the validity remark. Every time I submit a complaint with any of the credit reporting agencies they all send the same automated messages. It seems there is not a real-life person responding back to the disputes but a AI generated system that chooses how to respond, despite it being a violation of my rights as a natural living breathing woman, According to the Dair Credit Reporting Act 15 USC 1681 section 602 states, " There is a need to ensure that consumer reporting agencies exercise their grave responsibility with fairness, impartiality and a respect for the consumer 's rights to privacy. '' XXXX, XXXX, and TransUnion are the consumer reporting agencies and I am the CONSUMER. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers non-public personal information. 15 USC 1681 ( e ) states, " Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishings of consumer reports to the purpose listed under section 1681b of this title. '' XXXX, XXXX, and TransUnion are not maintaining reasonable procedures.
Product: Credit reporting or other personal consumer reports

These late payments are inconsistent with my normal payment pattern.
Product: Payday loan, title loan, or personal loan

On XXXX XXXX, 2016 we went to XXXX XXXX XXXX of XXXX, located at XXXX XXXX XXXX. in XXXX VA XXXX to shop for mattresses. While discussing the pending sale, the owners/managers of the store offered that they had a financing option that would allow us to purchase the mattress set with 90 days same as cash. When asked about what would happen after the 90 days we were told that the bi-monthly payments of {$58.00} would continue until the bed was paid off. What they did not disclose is the fact that after that 90 days, financing the purchase with ACIMA/XXXX XXXX would double the price of the bed from {$730.00} to a total financed amount of {$1500.00} as the financing agreement called for the {$58.00} per month to be paid for 27 months. More calculating is the way this whole process worked. The " manager '' of the store had me provide the information necessary to determine if we would be " approved '' for the financing. Once they got the approval, a code was sent to my cell number to verify that I was who I said I was and it would be my way of electronically signing the finance documents. We were told that copies of the contract would be sent by mail and we were not given any documents to review that night. At no time was it disclosed prior to this electronic " signature '' that there would be a 100 % finance charge for not paying before the 90 day period was up. I am attaching a copy of the Financing Agreement that was provided to me by the company by request today, however, I again need to stress that we received NO copy of these documents at the time the sale was done, only later by mail. Today I called to get the balance owed on the account and was told that after making {$870.00} in payments, that I still owed almost as much as I had already paid. A quick search of the BBB complaints showed that ACIMA credit uses this blind method to take advantage of customers every day. Their methods are clearly deceptive and being in banking, I ca n't imagine that their practices are not in violation of UDAP or some other provision.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. 
This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Also, XXXX XXXX XXXX XXXX XXXX XXXX Equifax : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I have not been able to access my funds since XX/XX/24 and they do not know when I will be able to. All transactions are disabled. Direct deposits are not available. The whole situation is unacceptable.
Product: Mortgage

We have a family run business. We own the building where we run our business. Our mortgage was bought by JPMorgan Chase. At the end of mortgage, JPMorgan Chase would not give us another loan. They told us to find a local bank. We applied to many banks for 2.5 yrs. No one would give us a mortgage because of the huge credit card debt related to our son 's illness. ( please read the letter we wrote them ) Chase is charging us {$100000.00} in excess interest and penalties and will not budge. Chase says they can get all what is owed in a foreclosure sale! No way. The property next to us was foreclosed on and just sold for XXXX % of what they say our property is worth! Our foundation is sinking! .We run the the risk of losing of business, our source of income. We have a XXXX child! Here are parts of our letter to Chase : " Debt is an iron chain tightly locked around your ankles, pulling you downstream as you try to swim against the current. The harder you paddle, the more you realize that you 're further downstream than when you began. I 'm not exactly sure who will be reading this letter. But whoever you are, I hope you are a human being. I hope you understand the amount of time, energy and grit it takes to fully dig your family out of a hole that it did not create. That 's who I am. And that 's what I 'm doing. 
I 'm writing on behalf of myself, my twin brother, and my parents. Our family operates XXXX. The main culprit holding our family back was a large amount of debt incurred in years past stemming mostly from my experience with a chronic illness. 
In 2010, as a XXXX in college, I was a driven student with plans to attend XXXX and a dream of becoming a XXXX. As life often gets in the way, my plans were cut short and my dream was stolen from me. I was diagnosed with XXXX. Maybe you know someone personally who suffers from the XXXX. Maybe you do n't. If you are n't familiar with it, XXXX. XXXX. XXXX. XXXX. It 's tough to write about this and you can imagine how embarrassing it is to discuss this in person with anyone, let alone a complete stranger. In any case, both XXXX are XXXX and involve a lifelong battle. On top of that, there is no known cure, and most of the treatments used to fight both XXXX can be quite expensive. What I 'm hoping is that you can appreciate just how much of a strain a XXXX like that can put on not only your physical or mental health but on your overall financial well being. 
XXXX. I had to make the hardest decision of my life as a XXXX year old to have XXXX. Four years later, the enormity of that decision continues to weigh heavily upon my shoulders each and every day. While the treatment is considered a cure for XXXX, a person 's life is forever altered by those XXXX ... ..,. I am here to once again personally inform you that we can not possibly afford to pay the extra {$100000.00} in extra charges. Our family does not have that kind of money lying around, nor do we consider it a fair amount to pay.
Product: Credit card

XX/XX/XXXX someone was able to convinve PNC telephone banking that they were me. I tried to warn them, they ignored me. They changed the phone number and put in a fake email addresss to the account. They were then able to drain my account in 3 separate withdrawals/purchases in a city in Indianna.Total I lost > $ XXXX iniating 3 appeals for these charges, PNC claims that no error occured on their part and I will be heldliable for {$2900.00} transaction. PNC claims their determination was based on " transaction details and customer 's historical pattern of abuse. '' I have never been to XXXX, XXXX, and a currently XXXX XXXX XXXX XXXX XXXXXXXX. I have requested thir copies of any docuemnts supporting this decision, but as of yet, I have not received any of the three as of XX/XX/XXXX. Nor have I received the refund for that transaction.