23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting 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, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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

There is an item that keeps being put onto my credit report by all three major credit bureaus. The item is from XXXX XXXX XXXX. 

XXXX XXXX XXXX filed a lawsuit about the alleged debt and the case was dismissed due to " There is not sufficient evidence to continue prosecution of this case. '' and the case was dismissed. I have asked for this to be removed and to not be reposted to my credit report and it continue to reappear on all three bureaus. 


All three credit bureaus XXXX XXXX TransUnion Debt Collector XXXX XXXX XXXX Amount of alleged debt {$2400.00} Account # XXXX Court Justice Court XXXXt XXXX XXXX XXXX County Texas Case Number XXXX Dismissed Date XX/XX/2018 XX/XX/2018
Product: Credit card or prepaid card

My complaint is about my Chase XXXX card. 
I have a Transaction in the amount of {$280.00} that I have reported and disputed with Chase since the day it happened on XX/XX/2020. 
I have attempted to dispute this charge on XX/XX/2020, the day it happened, again on XX/XX/2020, and again on XX/XX/2020. 

On XX/XX/XXXX, I received notice that the dispute had been denied because " a significant time has passed ''. 
I did my due diligence, I don't see how I should be punished for Chase 's lack of response The timeline follows : On XX/XX/2020, we found something online and decided to purchase. 
When I entered my Chase XXXX information and hit Submit, I immediately got a Chase Fraud Pop-up warning and received a Fraud alert email I received no notification from the original site, no order confirmation, no order number but I did find that the charge of {$280.00} was on my credit card. 
I researched the web site and found numerous complaints about non-delivery I called Chase that day, XX/XX/2020, and told them what happened. 
Chase issued a replacement XXXX  card with a new account number, issued a temporary credit for the disputed amount, and apparently initiated a Fraud investigation On XX/XX/2020, I received a notification that there was a resolution to the case The fraud case was dismissed because I had " Received benefit from the Transaction ''. 

On XXXX XXXX, I called Chase Customer Service, explained the situation, and was told that instead of fraud, I needed to dispute the charge. 
On that day, XXXX XXXX, I disputed the charge online and followed up in writing via mail and fax with the details about the fraud alert and the charge being on my account. 

On XXXX XXXX a full month later, I received notification that they had received and were reviewing my dispute. 
On XXXX XXXX, I received notification that the dispute was denied because it wasn't fraud That day, XXXX XXXX, I called Chase Customer Service, explained the situation, and was told that I needed to re-dispute the charge citing the reason as non-delivery of merchandise. 
I re-disputed the charge that day, XX/XX/2020, in writing via mail and fax On XXXX XXXX, 2 weeks later, I received notification that they had received and were reviewing my dispute. 

On XXXX XXXX, I received the final resolution that Chase had found for the merchant because " a significant time has passed '' I feel I did my due diligence in reporting this to Chase on 3 different occasions and should not be punished because of their slow response and misdirection on their part In XXXX, 2020, I tried to contact the original merchant but the website had been taken down, the telephone number and the email address I had for the merchant was no longer in service
Product: Credit card or prepaid card

This issue is with Capital One Spark Business card. 

Statement for period ending XX/XX/2019 showed balance of {$9400.00}. Payment of {$6000.00} posted on XX/XX/XXXX ( due by XX/XX/XXXX ). 
Statement for period ending XX/XX/2019 showed balance of {$11000.00} which was paid in full on XX/XX/XXXX (  due by XX/XX/XXXX ). 
Statement for period ending XX/XX/2019 shows balance of {$2100.00} including interest charge of {$140.00}. 

Agreement clearly states that if balance is paid in full by due date, no interest is charged. 
I called on XXXX and spoke to representative who said it's because the balance at XX/XX/XXXX was not paid in full.That doesn't make any sense, any interest charges for that period would have been charged on the XX/XX/XXXX statement and already paid in full.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Data Furnisher named XXXX XXXXXXXX XXXX XXXX used fraudulent deceptive and unlawful mean to obtain the consumer consent to disclosed and furnish private, nonpublic, personal identifying financial information about the consumer with TRANSUNION LLC whom is a third party as it relates to account number XXXX. 

The laws mentioned in the attached Affidavit of Fact Doc # XXXXXXXX XXXX XXXX XXXX XXXXXXXX that a financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless - ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form that such information may be disclosed to such third party ; ( B ) 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 ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 

No such disclosures were ever provided to the consumer so no opportunity was ever offered. 

Therefore TRANSUNION is reporting private account information in the form of transactions and experiences that it has fraudulently obtained form the Data Furnisher. 

Lastly 15 USC 1681a ( d ) ( 2 ) ( A ) and RCW 19.282.202 states a consumer report does not include transactions and experiences.

Obtaining consent to disclose private identifying information by deceptive means and using that information constitutes Identity Theft pursuant to 15 USC 1681 ( q ) ( 3 ). 

I am attaching a copy of my official notarized complaint by affidavit along with proof of identity and evidence that supports my claim. 

Please be advised that a copy of this notice has been mailed via USPS certified mail return receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been a loyal customer with XXXX XXXX for years. 

Upon reviewing my Transunion, XXXX, and XXXX credit reports, I observed a missed monthly payment in XX/XX/2022 is listed as a missed payment. 

In XX/XX/2022, I was out of work due to having a medical procedure. I was home recovering which led to financial hardship during this time. Ive had great experience with XXXX XXXX and my goal is to maintain the relationship weve built over the past few years. 

My account history indicates that the past due balance was paid as well as the resulting late fee approximately 15 days later. Further, I have since made timely monthly payments and my account remains in good standing. I realized I made a mistake in falling behind 31 days.
Product: Mortgage

the company that purchased the 2nd mortgage loan on our property contact us and toll that we could get a loan modification or if not they would foreclosure on us.we fill out all the papers they sent us and we agreed to make payments for six months and come XXXX 2015 we would get together and do a modification but to our surprise we receive notice that the house had been sold on a foreclosure sell that we had 3 days to move out or be evicted by the sherrift police because the new owners wanted passetion of the house.I toll I was about to make my payment to the 1st mortgage he do n't do it we are paying them off we own the house. I call the company that 2nd mortgage and toll what happen we had agree to met on XXXX and do a modification the owner said its nothing personal its all business we own the house you have to move or be evicted.i toll that there no way we had a agreedment that the house had over XXXX dollars of equaty .he said lets meet so we did he came to the house and said that it wasent nothing personal but that they own the house we had to move out. I explain that how this could be that I had as my mom for a loan of XXXX dollars a couple months back to get courent with the 1st mortgage and we had to star paying it back on XXXX 2015. he said let me make a call to my associates and he did and said i all give you XXXX to move a get a rental place and if your out before the month ill give the money to paid your mom. I call the 1st mortgage and they set up for me to talk to my representative on the XXXX of XXXX but for some reason he did not call. I receive a call from the 2nd mortgage that why I had not cash the check thatif the month went by and we were not out we would loss the ckecks and be evicted by the sherrif. I went and met with XXXX lawyers but both wanted XXXX dollars and XXXX and hour to take the case and nothing warranty I did not had the money to fight the case. so we did move out before the month. I receive a call from XXXX the server on the 1st mortgage and he said that there was no way we sould had move out from the property that the only way for a foreclosure was if we were behind on our mortgage or property taxes witch was not the case we were current by the time the house had been rented and they had taken out XXXX dollars of the equity of the house on the XXXX weeks. by then the family had gone separated ways I was homeless for 11 months and got serve by my wife for the divorce and during the proses the judge said that something was really wrong and to call the 1st mortgage to see if we did own or not the house I did contact them and also XXXX and they both said that yes we are the owners and that we had to take this out with them the company that did the foreclosure.
Product: Debt collection

I sent a certified letter to ARS National XXXX XXXX XXXX XXXX CA XXXX asking for verification of the debt, i have proof of the time of receipt. They called later that day after receipt of the letter when they are not allowed to attempt to collect the debt now that verification was requested and waiting for response per the FDCPA.
Product: Debt collection

Portfolio Recovery has called me multiple times regarding debt that was claimed in bankruptcy and it is also was past the collection statute of limitations in Florida ( 5 years, debts are from XXXX ). They have called me the following times since XX/XX/XXXX : XX/XX/XXXX - XXXX, XX/XX/XXXX - XXXX, XX/XX/XXXX - XXXX, XX/XX/XXXX - XXXX, XX/XX/XXXX - XXXX, XXXX - XXXX, XX/XX/XXXX - XXXX, XX/XX/XXXX - XXXX, XX/XX/XXXX - XXXX, XX/XX/XXXX - XXXX, XX/XX/XXXX - XXXX, XX/XX/XXXX - XXXX, XX/XX/XXXX - XXXX, XX/XX/XXXX - XXXX, XX/XX/XXXX - XXXX, XX/XX/XXXX - XXXX, XX/XX/XXXX - XXXX, XX/XX/XXXX - XXXX, XX/XX/XXXX - XXXX, XX/XX/XXXX - XXXX, XX/XX/XXXX - XXXX, XX/XX/XXXX - XXXX, XX/XX/XXXX - XXXX, and XX/XX/XXXX - XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

TO WHOM IT MAY CONCERN, My name is XXXX XXXX XXXX and I am writing this statement on my behalf. I recently discovered that I am a victim of identity theft and have had several accounts opened under my personal information without my consent. My information was used to obtain financial services or goods without consent. I am requesting that the following information be removed from my reports immediately. The accounts I am requesting to be removed are listed in this file and my personal statement below. Accounts to be removed : - XXXX XXXX - OPENED ON XX/XX/XXXX - XXXX XXXX - OPENED ON XX/XX/XXXX - XXXX XXXX XXXX - OPENED ON XX/XX/XXXX - XXXX - OPENED ON XX/XX/XXXX - XXXX XXXX - OPENED ON XX/XX/XXXX - XXXX XXXX XXXX XXXX - OPENED ON XX/XX/XXXX - XXXX XXXX- OPENED ON XX/XX/XXXX - XXXX XXXX - OPENED ON XX/XX/XXXX - XXXX XXXX  XXXX XXXX XXXX OPENED ON XX/XX/XXXX - XXXX XXXX OPENED ON XX/XX/XXXX - XXXX XXXX OPENED ON XX/XX/XXXX
Product: Checking or savings account

My name is XXXX XXXX XXXX and contact me at XXXX please also add this to my complaint XXXX CFPB : I cant dispute payments online or though my online wells fargo banking app username is XXXX please read the attach of the error message below please fix it so I dont have to keep calling in because I am tired of calling in everytime when I need to do a dispute I like to do it over app and online faster not by calling in the the error say We can't process this dispute online. 
Please call us at XXXX ( XXXX ), XXXX hours a day, 7 days a week, for help with your dispute. Or, write to us at Wells Fargo Dispute Resolution Department, XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

XXXX needs to immediately stop trying to collect and report on this debt that is not owed and at no point ever did I owe the amount they are trying to collect. The account was resolved with XXXX XXXX. I sent an email requesting validation of the debt and no response was provided now about a year later they have started reporting the debt on my credit report of which it needs to be removed immediately or legal actions may be taken.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 5th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$3900.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$18000.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$130.00} ; XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XX/XX/XXXX
Product: Debt collection

We started receiving calls from Discover Financial Services, which we did not answer as we were suspicious as to authenticity. We are Discover customers and when they do contact us they leave a message, email, and/or text ( regarding suspicious activity. ) On XX/XX/2021 my wife took a call from them. They are seeking to speak with our adult son who does not live in our home. We took the message that they want him to call. Discover continued calling, usually several times a day. Since speaking with them on XX/XX/XXXX, which was two weeks ago, they have called 49 times, including three today ( XX/XX/XXXX ). I spoke with them, advised them we had spoken to them on XX/XX/XXXX, advised that they should not be calling and not to call again. 

Our telephone service maintains a log of calls, so I have a record of each call received. They never leave a message.
Product: Credit reporting or other personal consumer reports

ACCORDING TO XXXX XXXX XXXX - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



Open 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 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 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Student loan

Navient had notoriously taken my over payment and applied it to interest and advancing my payment due date, rather than applying my extra payment to the principle of the loans. This extends the life of the loan and the financial hardship on myself.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian and XXXX are in violation of the FCRA. They are continuing to inaccurately report account XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) on my Consumer reports. The date last reported was not updated and still reports as XX/XX/2022 on Experian and XX/XX/2022 on XXXX. This means they did NOT investigate this account even though they stated it was " verified " as accurate.
Product: Debt collection

sunrise credit services contacted me about a XXXX account.i was given instructions of paying debt.i mailed out XXXX money orders.the XXXX in the amount of {$54.00} and a XXXX for $ XXXX.the {$54.00} money order was sent to sunrise credit services with XXXX annotated on money order.Since.XXXX of this year ive been hounded for the $ XXXX.Ive sent several copies of money order that i had traced through the postal service showing it was deposited in a sunrise credit services escrow account.money order included sunrise credit services account number.Still today sunrise refuses to inform XXXX they received payment which postal service confirms was cashed on XX/XX/XXXX.because of this lack of action ive been reported to the credit bureau which a caused my credit score to tumble as well affecting interest rates on purchases made on credit.Id like to add that i followed all instructions given and and this should have never gone to credit bureau under payment agreement.the first contact was made by sunrise credit services was made XXXX XXXX {$54.00} money order sent out XX/XX/XXXX
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. 
XXXX XXXX XXXX XXXXXXXX, 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 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Student loan

According to my Federal Student Aid page, a student loan was disbursed on XX/XX/XXXX in the amount of XXXX. I have not been enrolled in any college courses since leaving XXXX  XXXX University in XXXX. The balance outstanding is {$4100.00} according to my FSA page but my prior years taxes were used to offset student loan debt in the approximate amount of {$7000.00} or more. The telephone number, XXXX, that was retrieved when I initiated a loan consolidation application on XX/XX/XXXX has never belonged to me. The employment status on the FSA website was populated as " Unemployed '' and I have been gainfully employed. I did not apply for student aid and believe my identity was used by someone else to secure the funds disbursed on XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

THESE ACCOUNTS ARENOT XXXX XXXX XXXX XXXX XXXX {$980.00} XXXX XXXX XXXX XXXX {$2400.00}
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnisher, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These Failures align with my experience, where Experience has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experians inaction violates federal laws and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your taking the time to CORRECT some of the erroneous items in my credit file ; however, there are still many items that need to be UPDATED. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Account opened XXXX Previous deposit went through fine. 
Deposit of XXXX on XXXX all funds were held due to " back office hold '' for new account. Again- previous deposit went through with no holds. 
Contacted bank to release hold and they said no. No access to money until XX/XX/XXXX ( 10+days. ) Mobile deposit info says that if a hold will be placed- you will be given option to cancel deposit. This was not offered. 
This is absurd. Bank is holding my money that I need for no apparent reason since previous deposit went through without " new account '' hold.