23daVinci/CFPB_Complaints huggingface dataset:
Product: Bank account or service

Back in XXXX 2015 my wallet was stolen and my credit cards used, all of which have been deactivated and my money refunded. The appropriate Police Report was filed in XXXX 2015 immediately after the wallet theft episode. Also, the thief got into my checking account and pulled money from it. Said money was also returned by my bank and the account closed. Unfortunately the thief has my driver 's license and I want to stop him from using it. I have worked real hard to identify the thief and I am writing to you to ask for help. 

The thief used ACH to pull the money which allows one to see the account to which the funds were sent. I contacted the bank to which the funds were sent but they will not give me any information. They said they need it requested by my bank or the police. 

I contacted the police immediately since the theft ( back in XXXX 2015 ) and repeated attempts to get them to help me have yielded absolutely no results. In fact, on my own, I was able to get information that the police said they could not get. The detective on the case has not proven interested in helping. He says that the bank will not give him information, information which I was able to get with one phone call. I gave up on the police after 5 months of trying. 

The bank refuses to work on this because they say that for the money that was stolen ( {$150.00} ) it is not worth their time and that I have been refunded said money. 

This means that, while there is information that would allow the police to ID the thief, and maybe stop him from using my drivers license to inflict more financial damage to me, no one really cares to help me. 

I need someone to compell the bank and/or the police to act in assisting me ID the thief and stop him for further attempt to steal my money and perhaps even my identity. 

Can you provide some assitance?
Product: Credit reporting or other personal consumer reports

Upon reviewing my Consumer Reports, I discovered some instances of late payments on an account for which I have always maintained timely payments. Im depressed and suicidal after dealing with inaccurate information on my credit reports I continue disputing these items for years and you fail to correct the late payments that you are reporting. This is defamation of my character and detrimental to my health and XXXX. 
Transactions known as late payments are illegal and are to be excluded from a consumer credit report. This inaccurate late payment ( s ) violate the Fair Credit Reporting Act and I demand you to remove it from my credit report. 

XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX I request a comprehensive investigation into these discrepancies and strongly urge you to provide supporting evidence, such as payment statements, that substantiate the reported late payments. If you are unable to provide such proof, I demand that these payments be immediately corrected to reflect their accurate status as paid on time, as I have consistently fulfilled my payment obligations without any delay. 

Recent findings by the Consumer Financial Protection Bureau ( CFPB ) have brought to light significant concerns regarding Experian 's failure to conduct proper investigations. 
Specifically, in a lawsuit filed against Experian, the CFPB alleges that the company engaged in sham investigations, violating consumer protection laws by failing to meet its obligations under the FCRA.
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. 

XXXXXXXX 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 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: Credit reporting, credit repair services, or other personal consumer reports

Aging account by fraudulently reporting the wrong open date for this debt. 

Account Name Original Creditor 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 identified items on my consumer report that should not be there. Please view the attached documents for further detailed information about this matter. Thank you.
Product: Debt collection

I have a student loan that was cosigned by my grandfather. XXXX XXXX on XXXX XXXX, 2015 apparently was attempting to contact one of us reference this loan. The person representing this company left the following voicemail on my parents phone : " Hi this message is intended for XXXX XXXX XXXX or XXXX XXXX XXXX. If you are not XXXX XXXX XXXX XXXX XXXX please hang up. This is XXXX calling from XXXX XXXX. Communication is from a debt collector. This is an attempt to collect a debt and any information obtained will be used for that purpose. I need a return phone call back today. My number is XXXX. Refer to file number XXXX. '' Someone from XXXX XXXX had spoken to my grandfather around XX/XX/XXXX. Apparently the company did not like the information my grandfather gave them so they continue to call looking for me. 

My complaint is does n't the voice mail violate the FDCP Act? It is my understanding that according to the act they can communicate with a third party by advising who they are and obtain location information. It is also my understanding they ca n't advise they are a debt collector and that I owe a debt.
Product: Checking or savings account

On XX/XX/XXXX of this year I requested chime to pause my account because I could not find my card and my phone was stolen the night. My XX/XX/XXXX I notified them that I found my card and wanted to reactivate my account. Since then they have told me that they have not been able to help me because they could not verify that I was who I was. It turns out that the person who stole my phone on XX/XX/XXXX had hacked into all of my accounts including my XXXX email and my XXXX online banking app. So when I try to verify myself with chime through passwords and emails that they could not grant me access. They said that if I could verify or prove my existence with a selfie with myself and my ID and my social security number that that would suffice. Since then I have sent many photos of such. They keep telling me that they have a higher than normal ticket volume and they'll get to me when they can. It has been over a month and a half now and there has been no resolution. He has even affected my work and my rent status. To the point now that I almost lost my job and I am now homeless. What am I to do? Please CFPB me.
Product: Debt collection

That account is fraudulent! XXXX XXXX XXXX is attacking me with vengeance, and revenge against me for threatening to file a complaint and letting other consumers know about their duplicitous business practice. This is unacceptable and unenforceable, and this is an unscrupulous attempt by XXXX XXXX XXXX against me. They are disturbed at me. They are only worrying about saving their brand, and not helping the consumer. My Social Security number, birth date, address, driver 's license information is in the hands of criminals, or by XXXX XXXX XXXX employees, this must be an inside job. This is precisely the category of data criminals can use to mimic victims to banks, credit card companies, insurance companies, and other businesses defenseless to deception.

XXXX XXXX XXXX retaliated against me for saying I will file a complaint against them through the  C.F.P.B. This retribution came instant within days after I mention it. As a Veteran who fought for his country, and a Gold Star Family Member. They dont care who they XXXX over to save their brand. I learned this the hard way after they were XXXX on destroying my credit so I can not get my V. A. loan They are creating havoc in my life. XXXX XXXX XXXX has a strong dislike toward Veterans. They are strongly aware that nothing will happen to them since they believe they are too big to fail. Sen. XXXX, please prove them wrong. Please help this Veteran   and this Gold Star Family member. Please?
Product: Credit card or prepaid card

The bank put a freeze and closed my account without notification and previously I had reported my card lost and called in that same day they never credited me three weeks later told me it was fraudulent activities and couldn't credit my account
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Jefferson capital SY has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

This creditor is falsely reporting an account on my credit report that does not belong to me I have notified the creditor of the situation but the creditor has deleted the account and re-post the account as if it is a new account. The creditor is constantly doing this every year. This is not my acct and never has been.
Product: Checking or savings account

I applied online XX/XX/21 to Investors Bank XXXX XXXX XXXX XXXX XXXX, NJ XXXX for a XXXX XXXX XXXX XXXX based on an offer they made me. On XX/XX/21 at XXXX Reference Code is : XXXX they told me I was turned down and would have to wait on a letter in the mail in about XXXX days for the reason which I never received. I followed and messaged them about XX/XX/21 and received no reply to date.
Product: Credit reporting, credit repair services, or other personal consumer reports

Incorrect information being reported. Privacy Act improper use of information. Never informed that I had a right to Opt-Out from my information being shared. The consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; Was issued a cease and desist and continued to harass me for 3 months. Have several emails, voicemails and text messages
Product: Mortgage

Below is the email that was sent to the company Hello, in regards to XXXX XXXX XXXX XXXX XXXX, AZ XXXX Loan ID XXXX It has come to my attention that my loan for the subject property has been signed up for the forbearance program without my request to be done. I do not want this program. I was told by XXXX XXXX, the customer service representative, on XX/XX/XXXX that my loan has been in the forbearance program since XXXX of this year. Please remove this from my loan as it has negatively affected my credit report. 

Also, I have made contact previously in regards to another credit report issue due a late payment from XX/XX/XXXX that was, in fact, not late at all. I also just learned that the payment for this month XXXX of XXXX was also named late. This is not true either. 

I have attached the credit report for both " late payments '' affecting my credit negatively. 
I have also attached both checks that were used to pay those statements and they had been cashed. 

Please resolve these 3 issues and remove them from my credit. 
I can be reached at ( XXXX ) XXXX ( XXXX ) XXXX XXXX XXXX Thank you for getting these issues resolved, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX Loan ID XXXX
Product: Debt collection

Mosiac has called me multiple times in 7 days, multiple times. I have let them know they are stressing me out and harassing me. The last time they called I let them know I was starting to record the call to have proof of their harassment, and they immediately ended the call once I told them I was recording it. I have spoken to them when they called in XXXX on XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year> many many other times previously. They consistently call daily even after I have talked to them and explained my situation. I have XXXX calls logged from them since XX/XX/year>.
Product: Debt collection

They keep calling asking to speak to someone I do not know and I have asked them to stop. They repeatedly call my number
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I submitted a complaint to CFPB ( complaint : XXXX ). That complain has since been closed, however the information I requested in feedback has not been provided by the company, Omega RMS. The company responded to the complaint and I provided feedback. In my feedback I requested proof of the information in the company 's response but have not been provided that information. 

I am disputing the " placed for collection date '' as well as the " client date last paid '' that is being reported to the credit bureau by Omega RMS. 

According to the information I received from the original creditor, XXXX, and the last payment was made XX/XX/XXXX. I have requested multiple times for all information from Omega RMS including proof of the last payment and that information has not been provided. I have only been provided the information that was attached in the initial complaint. Furthermore, the " placed for collection '' date is incorrect. Per the original creditor, XXXX, the placed for collection date is XX/XX/XXXX. Omega RMS is reporting XX/XX/XXXX as the placed for collection date which is not accurate. 

The original creditor, XXXX, also confirmed the account was charged off XX/XX/XXXX. Omega RMS in their response to the initial complaint stated they are collecting on behalf of XXXX XXXX, however the account had been charged off by the original creditor and they are no longer pursuing collection on this account. Omega RMS is attempting to collect on a debt that they purchased ( XX/XX/XXXX XXXX from a 2nd party collection agency ( XXXX ) that is no longer in business and also not pursuing collection on this account.
Product: Checking or savings account

https : //www.us.hsbc.com/ I opened a Premier Checking account with HSBC on XX/XX/2019 in response to their {$750.00} sign-up bonus offer. I opened the account online from the HSBC website following their own promotional link. I have consistently met the deposit requirements and terms of the offer each month since opening the account. My bonus should have been paid by this point. I have attached a screen-capture of the offer posted on the HSBC web page. 

I have called HSBC to ask about the status of my bonus offer and the first 1-2 reps could not tell me why my bonus had not been paid. They escalated the claim to a " regional manager '' but I still have not gotten confirmation. I have been told twice to call back at the end of the week to see if there is a resolution. The issue continues to drag out and they are not resolving the issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE AN I-TIN NUMBER AND NOT A SOCIAL BUT DESPITE THE SMOUNT OF LETTERS SENT TO THE BUREAUS REQUESTING A REPORT, NO ONE HAS SENT ONE. IN FACT, XXXX, AND XXXX HAS SENT ME A FORM CHARGING ME {$9.00} WHEN I NEVER RECEIVED MY FREE REPORT. EQUIFAX HAS YET TO RESPOND. I DON'T KNOW WHAT TO DO. I NEED MY CREDIT REPORTS TO SEE WHAT I NEED TO DO TO RENT AN APARTMENT. AS OF NOW ITS BEEN 3 MONTHS SINCE I STARTED REQUESTING THIS INFORMATION AND HAVE YET TO RECEIVE IT. CAN YOU PLEASE HELP ME REQUEST MY REPORTS FROM ALL 3 BUREAUS PLEASE. IM INCLOSING ALL MY DOCUMENTS OF IDENTITY. IM KINDLY REQUESTING ALL 3 OF MY REPORTS. I DO NOT HAVE AN SOCIAL, I HAVE AN I-TIN NUMBER.
Product: Debt collection

The company collecting for a unknown debt is listed below. They are trying to collect {$2700.00} for a unknown medical debt. The company has failed to provide proof that the debt is mine as requested. They have proceeded to file a false report to the credit bureaus to harm me. 
GRANT MERCANTILE AGE Address XXXX XXXX XXXX XXXX, CA XXXX Phone number ( XXXX ) XXXX I am requesting that my rights under the fair credit reporting act be enforced as this debt has no merit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I h ave requested XXXX in XX/XX/XXXX to validate a Bankruptcy record that was found in my credit report under the Public Record section that was reported to me by Equifax inXX/XX/XXXX. According to the FCRA 609 ( A ) ( 1 ) ( A ), they are required by federal law to verify-through the physical verification of the original signed consumer contract- any and all accounts they post on a credit report otherwise, anyone paying for their reporting services could fax, mail or email in a fraudulent account.
Furthermore, after 30 days XXXX responded that they had contacted the Bankruptcy court as if the court is allowed to speak to them directly. I am attaching my correspondence with the XXXX Bankruptcy court 's clerk telling me that they do not send any information to them. That the credit bureaus have to come and get the information themselves. But in XXXX v. Equifax, it says they can not claim a government agency, court or court house to furnish or verify anything. The court does not guarantee the accuracy of their cases so no third party vendor can claim they verified the bankruptcy through court records that are not guranteed to be accurate. Therefore, XXXX has failed to comply with FCRA 607 in not giving maximum accuracy in their investigation instead they grossly lied that they contacted the court to verify the information and worst of all they did not produce the original signed consumer contract. So in all fairness they must comply with FCRA 611 in deleting and unverifiable information because after all the only persons that can legally verify a bankruptcy is the consumer and the trustee as they are the only persons with the first-hand knowledge.
I am attaching the first page of the court docket of the bankruptcy record which does not accurately identify me with just a name, address and last four digits of SSN. This is the same information that XXXX uses and grossly lies to the consumers by stating that have verified the information as true. They did not produce the original signed consumer contract therefore there was no verification.
To compound the subject even more XXXX was requested by me, almost a month prior to my dispute with them, to freeze and opt-out my information and this is how they conduct their investigation by grossly ignoring my request, please see attached letters confirming this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have multiple addresses on my credit profile and phone numbers that need to be deleted due to possible fraud and or identity theft
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit Bureaus stated that my account was properly investigated but how if that possible if the open date is inaccurate, the date last active is inaccurate and date last reported is not accurate. This is grounds for removal and they also violated my rights under 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
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX- XX/XX/XXXXXXXX XXXX- XX/XX/XXXXXXXX- XX/XX/XXXXXXXX XXXX- XX/XX/XXXXXXXX XXXX- XX/XX/XXXXXXXX XXXX- XX/XX/XXXXXXXX/XXXX- XX/XX/XXXXXXXX XXXX- XX/XX/XXXXA computer glitch that was XXXX problem - not mine - caused my inquiries (most were fraudulent and unauthorized) to be deleted. Which they did not remove after I told them they were fraud. I just had paid off my car so why would I purchase another one?XXXX later added them all back onto my credit report without giving me the legally required written notice 5 days prior to them re-adding them. I contacted XXXX in good faith to ask them to delete the inquiries that they had illegally re-added. I explained that these inquiries add a hardship and that my rights were violated by XXXX. I’m asking CFPB to help my make XXXX stop victimizing me.
Product: Credit reporting or other personal consumer reports

I am filing this complaint against XXXX for failing to meet their obligations under the Fair Credit Reporting Act ( FCRA ) to respond to my requests for validation and reinvestigation of a debt on my credit report. Details of Communication and Timeline of Non-Response : XXXX. Initial Dispute - On XX/XX/year>, I sent XXXX a letter requesting validation of a debt on my report, as is my right under Section 611 ( a ) ( 1 ) ( A ) of the FCRA. XXXX failed to respond within the XXXX investigation period required by law. XXXX. Second Request for Reinvestigation - XXXX XX/XX/year>, after not receiving any response from XXXX, I sent a second letter asking them to reinvestigate my initial dispute. Again, XXXX did not respond or communicate any action taken. XXXX. Further Follow-Ups - On XX/XX/year>, I sent another letter and a final XXXX  on XX/XX/year>, reiterating my requests and urging a response. However, I still have not received any acknowledgment or documentation from XXXX regarding my dispute. Under the FCRA, consumer reporting agencies like XXXX are legally obligated to : - Investigate disputed information within XXXX  days ( or XXXX  days if additional documentation is provided ) as stated under Section 611 ( a ) ( 1 ) ( A ). In my case, XXXX has far exceeded this timeframe, ignoring XXXX separate letters and my legal right to an investigation. - Notify me of any reinvestigation results under Section 611 ( a ) ( 6 ), which they have also failed to do. XXXX 's lack of response not only violates the FCRA but also compromises my ability to maintain an accurate and fair credit profile. For the CFPB 's review, I am enclosing all letters sent to XXXX, as well as my identification, as supporting documentation of my efforts to resolve this matter. These documents demonstrate XXXX 's failure to comply with FCRA guidelines within the legally required timeframe. XXXX lack of responsiveness to my dispute and reinvestigation requests is a clear violation of my rights under the FCRA. I seek a prompt resolution to ensure compliance with federal law and accurate reporting on my credit profile.
Product: Debt collection

I hope this letter finds you well. I am writing to formally request the removal of the bankruptcy record associated with my financial history. XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX  XXXX, XXXX  XXXX XXXX, XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX, and Bankruptcy XXXX  XXXX XXXX
Product: Credit reporting or other personal consumer reports

To your company I have sent in disputes for these account reporting on my consumer report. The accounts still have inaccuracies in the date of last activity. I have asked to have them deleted for violating the FCRA, BUT THIS DID NOT HAPPEN. ( I am now requesting THE METHOD OF VERIFICATION USED FOR EACH ACCOUNT LISTED IN THIS DISPUTE. ) IF YOU CAN NOT GIVE ME THE METHOD OF VERIFICATION WITHIN THE 15 DAYS ALLOWED, YOU WILL DELETE EACH ACCOUNT LISTED IMMEDIATELY. YOU HAVE 15 DAYS TO DELETE THESE ACCOUNTS OR I WILL BE SEEKING LEGAL REMEDY FOR DAMAGES UNDER THE FCRA. DELETE THESE ACCOUNTS : ( 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