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 federally protected consumer rights to privacy and confidentiality under 15 USC1681.has violated my rights. 

1. ) Account # XXXX XXXX XXXX : original creditor XXXX XXXX XXXX XXXX. date opened XX/XX/XXXX. 
XXXX 2. ) Account # XXXX XXXX XXXX. date opened XX/XX/XXXX XXXX XXXX. ) Account # XXXX XXXX XXXX date opened XX/XX/XXXX XXXX. ) Account # XXXX XXXX XXXX XXXX XXXX date opened 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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I submitted several requests including an affidavit proving Identity Theft to XXXX and Experian to delete XXXX XXXX XXXX from my consumer report. My personal information has been breached at all 3 credit reporting bureaus and the only bureau that removed the inaccuracy was XXXX. XXXX and Experian have failed in their duty to report 100 % ACCURATE information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was informed by an American Express customer service agent that they report to the credit bureau every 60 days and not every 30 days. I was financially impacted by Covid 19 and was unable to work for several months. My accounts with AMEX were under the Pandemic Protection Plan which has now expired. I asked if my account would be reported as 30 delinquent if payment wasnt made by the due date. I was informed that I would not because AMEX report every 60 days and my score wouldnt be impacted. I received a credit alert from XXXX  saying that AMEX reported XXXX  as 30 delinquent.
Product: Money transfer, virtual currency, or money service

i sent over {$1000.00} through cashapp and then i was scammed and. then my account was blocked and closed
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX According to XXXX XXXX XXXX XXXX XXXX ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to XXXX XXXX XXXX XXXX XXXX ) the credit bureaus don't have no written premission According to XXXX XXXX XXXX XXXX have the right to privacy According to XXXX XXXX XXXX XXXX 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Product: Checking or savings account

i filed a dispute for XXXX transactions that was made by someone whom had illegally obtain my card information. i reached out to XXXX of the merchants XXXX of them said the room was in a man 's name using my card information. The other merchant delivered goods to an address i dont know. XXXX XXXX and do not use XXXX almost never and there was XXXX  charges made that i did not make. They told me they investigated and there was no error that occurred. If they properly investigated they would have found out the same information I did.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX Account # XXXX for {$140.00} ; # XXXX for {$3200.00} ; # XXXX for {$140.00} ; and # XXXX for {$250.00} XXXX  XXXX XXXX Account ending in # XXXX for {$230.00} XXXX  XXXX Account ending in # XXXX for {$100.00} and account ending in # XXXX for {$200.00} 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, also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit card or prepaid card

BANK OF AMERICA XXXX XXXX XXXX : BANK OF AMERICA claims that I owe them a debt yet they CAN NOT prove it, even though I have repeatedly given them chances to prove it by sending them letters with registered mail asking them to provide me with a VALIDATION OF DEBT as per federal law. 

I sent them a CONDITIONAL ACCEPTANCE in which they did not respond with their proof of claim or the required info, therefore binding them to my new TERMS AND CONDITIONS. 

I put BANK OF AMERICA on notice. 

I gave BANK OF AMERICA an OPPORTUNITY TO CURE. 

I have attached all the letters I have sent proving that I have indeed exhausted all administrative remedies. 

I do not owe a debt and the ALL CAPITAL LETTERS name/ DEBTOR, aka the legal fiction XXXX, owes the alleged debt which is off-set by, I, the ORIGINAL CREDITOR. The credit derived from my hand/living signature, and therefore my Life energy and was issued to the DEBTOR ACCOUNT via my SOCIAL SECURITY ACCOUNT which is an account linked/attached to the 'Certificate of Live Birth ' which is held at the Federal Reserve Bank as collateral to off-set any alleged debt initiated by the alleged DEBTOR account, which is a TRUST account, aka the XXXX XXXX  XXXX ' Trust, aka the XXXX XXXX XXXX XXXX making I the ORIGINAL CREDITOR of any transaction that took place. BANK OF AMERICA never gave, or offered, due interest to the Living Man, and penalties for fraud and for not giving full disclosure upon the signing of the alleged contract, which does not have any wet ink signatures ( never mind the XXXX signatures required by law for it to be a binding contract ). The UNITED STATES is operating in bankruptcy and owes, I, the ORIGINAL CREDITOR, for use of this Land ( 18 USC 8 ). 


SECTION XXXX : BANK OF AMERICA has tacitly agreed to the TERMS AND CONDITIONS of my CONDITIONAL ACCEPTANCE, to settle this matter I demand that : XXXX. BANK OF AMERICA admit that I am the original creditor and source of the credit being utilized. 

XXXX. BANK OF AMERICA leave account # XXXX open and functional so that I may utilize my credit and be accepted for value in order to facilitate my open end credit plan that is our birthright ( 15 USC 1602 ( j ) ). 

XXXX. BANK OF AMERICA reports all alleged debt as paid off to all major credit bureaus ( XXXX, XXXX, XXXX and XXXX ). 

XXXX. BANK OF AMERICA pay for all fees and fines associated with this matter. 

XXXX. BANK OF AMERICA pays me {>= $1,000,000} in damages. 

XXXX. BANK OF AMERICA is estopped from ever bringing up this matter again and is barred from passing along this fraudulent claim to any other company or organization.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing a complaint because several accounts are on my credit report and they are not my responsibility..I did not open any of the accounts and sure have nothing to do with any activities that were made on these accounts..CFPB Please amp up and remove the following XXXX   XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX XXXX   XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX   XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX. XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX, XXXX FI XXXX, XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I am the XXXX of the XXXX XXXX XXXX XXXX XXXX ( XXXX ) which is the homeowner 's association of approximately 2300 homes in XXXX County, XXXX, Texas. We have had an ongoing Certificate of Deposit with Compass Bank since approximately XX/XX/XXXX. At that time XXXX XXXX was the President of XXXX and XXXX XXXX was the Treasurer. XXXX XXXX is still the Treasure of XXXX and is most likely the signer on this CD. I have enclosed a copy of our Board of Directors minutes showing that I am the XXXX and XXXX XXXX the Treasurer. We renewed CD # XXXX on XX/XX/XXXXfor two years. On XX/XX/XXXX, XXXX XXXX and I went to the Compass XXXX branch to move the CD to another bank. After waiting for over an half hour we finally were assisted and the employee told us that we do not have a CD with Compass. After pressing her on the issue, she finally stated that Compass has deemed the account inactive and had escheated the funds to the State of Texas. We asked how that could be as there is never any activity on CD 's with the exception of the regular interest deposits. She had no explanation. We asked who we could contact at Compass to follow up. She would only state that the funds were with the State of Texas and nothing more she could do. She also stated that they had sent a letter to XXXX XXXX informing them of this action earlier this year and that the funds went to the state in XX/XX/XXXX. I am retired from a 40 year career in XXXX and this stuck me as very odd. The employee was totally incompetent. We called XXXX XXXX, who is the management company for XXXX. They stated they never received any letters of such from Compass Bank and called the State of Texas Unclaimed Property Division and was told that they did not receive the approximate {$54000.00} in funds from Compass Bank. I tried to call Compass but one only gets a call center in XXXX, TX and its almost impossible to deal with those lower level employees. Finally I was able to talk to a supervisor, XXXX XXXX, who stated he would forward this matter to their corporate office, wherever that maybe! Thus far I have not heard anything further. So Compass claims they sent our funds to the State of Texas. The state claims they do not have them. We need to find out the date that Compass sent those funds, the amount sent and the manner they were transferred, ie wire, mailed check, ACH, etc. If the funds are indeed with the state we can access them back. However as a former bank I well know that somewhat inactive accounts are fertile ground for employee embezzlement and I would not be shocked if this were the case. We are finding it extremely difficult to deal with Compass Bank as no one can provide any additional information and they will not provide phone numbers or names to call with the exception of their Call Center which has minimal knowledge at best. Your assistance on this matter is much appreciated and I have attached various documentation to assist you in this very important matter.
Product: Debt collection

In XX/XX/XXXX I filed a Chapter XXXX bankruptcy for 36/60 months. I canceled my service with XXXX and returned all the equipment back to them. Since the cancelation, I have received a collection notice from numerous collection agencies and each time I dispute and verified that I am in Chapter XXXX and returned all leased equipment ( I still have my original Drop-off package receipt from returning the equipment. ) In XX/XX/XXXX a new creditor named Diversified Adjustment Service , Inc. reported {$1100.00} on my credit report without any notification of an attempt to collect. XXXX received its equipment and sold this debt before verifying, that debt collector verified but still sold the debt and now we have this collection agency purchasing a fake debt and instead of verifying just put a derogatory marks on my credit report ; while I'm still in Chapter XXXX bankruptcy. I would like to be clear, the amount is for the leased equipment and not for early termination. I open the account with a XXXX in XX/XX/XXXX.
Product: Mortgage

Chase LN XXXX XXXX XXXX XXXX, XXXX CA XXXX XXXX & XXXX XXXX Short sale was started with Chase on XX/XX/XXXX. We have sent the Purchase Contract and the HUD in to Chase multiple times, and even after confirming receipt and saying they are legible, Chase is now again claiming they can not read them. They requested a change to sales contract on XX/XX/XXXX, so obviously they could read it at that time. Now all of a sudden it's blurry and hard to read??? Chase has also just now requested an extension to the listing agreement, since they claim it expired in XXXX. They have had the listing agreement for several months and are only now refusing to move forward without a listing extension?? 

Chase is using these as an excuse to not work on the short sale and push this into foreclosure. 

Chase stated that HUD/FHA approved the borrower for Foreclosure Avoidance Options. However, Chase is refusing to issue the ATP. They are claiming that the " eligibility for pre-foreclosure options '' is what was received from the FHA in Friday and is not the ATP. They claim that that in order to postpone sale they must have the requested docs today ( XX/XX/XXXX ), that there is no guarantee of approval for the ATP, and that the FHA may decline to provide an ATP due to sale date being so close. The ATP comes before an offer is even reviewed. I have attached a blank ATP form as Chase appears to not know that they are and has no idea how to LEGALLY SERVICE AN FHA LOAN. The ATP requires 120 days for marketing and must be issued without a listing agreement or purchase contract. 


In addition, Chase sent the borrower the attached documents stating Let us know that youre interested in a short sale You can start the process by calling us, or by sending us a listing agreement, purchase agreement, or closing disclosure form by XX/XX/XXXX. ( ( see page 3 ) )  ***Chase stated the borrower has until XX/XX/XXXX to provide a package to be reviewed for a short sale yet on XX/XX/XXXX they refused to allow a short sale review to continue, claiming lack of documents. 

Therefore it is apparent that Chase is attempting to foreclose illegally. 

We do not have these issues on our white clients. WHY IS CHASE BEING ALLOWED TO DISCRIMINATE AGAINST THEIR NON-WHITE BORROWERS???
Product: Mortgage

We had OCWEN Mtg. We have fought them for years as they falsely claimed that we paid them late and even at XXXX point, they put a forced policy on our house for false reasons. I have them set on my banks autopay. They get wires before the due dates and they always have. I have written numerous agencies including the XXXX and hiring two attorneys. Our credit bureaus states today that OCWEN has reported us for not paying on time in XXXX, XXXX and XXXX of 2013. Before this, they had me paying late in a month 90 days late. I complained. The removed it, and then we had XXXX that said I was 120 days late instead. I complained. They removed it. On and on we go until today. We call, we refinanced out from under them, so we are not in their system any longer and therefore, there are no options to get a live person. We go through a LOT to get a person who refuses to get us a supervisor. Then we get XXXX who talks circles around us telling us that we ca n't dispute because we were late in XXXX AFTER we refinanced to a new bank. I think he was XXXX XXXX. We got the refinance BECAUSE we showed the new bank proof that they were on autopay and the proof from our bank. These people are malicious. They change information at XXXX with people who complaind. Nuking their company is not beyond the realm of reasonable for me at this point. They have cost us cash out of our refinance that we needed because my wife had XXXX and XXXX she was stopped picking up children in. We needed that money and it is no longer available to us after the new year because property values dropped. Our opportunity is lost. I want these people out of my life forever. I want them prevented from doing this to other people. Their people do n't seem to have a genuine grasp of the language and repeat things and go round and round until you want to take a bat to the phone! I have never dealt with a company that made me want to be violent towards them like this.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the adverse action taken in my credit report and to request that you review the accounts through which I have extended credit. I believe there may be a misunderstanding about my rights and the laws governing credit transactions. As an original cardholder and holder in due course, I am exercising my right to initiate a consumer credit transaction with your company.

In accordance with federal law, particularly 15 USC 1602, a credit card encompasses any device used to obtain credit, which I have been granted by your corporation. I am fully aware of my rights as a consumer, and credit is a right afforded to me by a creditor, as per 15 USC 1602 ( f ). Reporting to a consumer reporting agency is voluntary, as stipulated by the Consumer Financial Protection Bureau ( CFPB ). I have not derived any benefit from the use of my credit. In fact, the denial of my right to extend credit has caused me both mental and financial distress. There are no federal laws that state a credit score can deny me my right to extend credit, yet the company appears to be overly concerned about my credit score.

I would like to address the issue of discrimination against an applicant, as such a practice in a credit transaction is deemed unlawful under 15 USC 1691 ( a ). I kindly request that your company reevaluates this matter and ensures compliance with federal laws. It is imperative that you open the accounts through which I have extended credit and rectify the adverse action taken in my credit report.

I take my consumer report and credit-related matters very seriously, and I sincerely hope that this matter can be resolved promptly and amicably. Failing to address this dispute properly may necessitate further legal action.

I appreciate your immediate attention to this matter. I kindly request a timely response and a resolution to this issue.

Sincerely, By : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
For : XXXX XXXX XXXX / XXXX ( WITHOUT RECOURSE ALL RIGHTS RESERVED ) 12 U.S Code 192 12 USC 411 UCC 3-419 UCC 1-308 HJR-192
Product: Credit reporting, credit repair services, or other personal consumer reports

I have inquiries I do not acknowledge, I have not authorize these companies to use my credit as follows : XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, OR XXXX
Product: Credit card or prepaid card

I had reported a week ago fraud on my husband credit card. They started an investigation and they sent a letter stating that the claim was closed and we weren't responsible for the charges on the account. I received his new credit card yesterday afternoon and logged into my mobile app from Capital One to activate the card and see a message " Account is restricted '' so I called Capital One and spoke to someone and they transferred the call to someone that would give me more information. The person I spoke to was super rude and didn't want to even provide the reason why the account was closed. I've been a customer of Capital One for 10 years now and how can they just close my account without even letting me know. I've never had any issues with them in the past and have a 100 % payment history. I pay the full balance on the account every month. I do know that their was 2-3 fraud claims in the past but they investigated and told me I wasn't responsible. The only thing she did say is that there was many claims on the account. So how is this my fault that I've had my card lost or stolen? I mean I can't believe that they would even consider me to be at risk customer. This is one of my older accounts which would have a huge impact on my Credit. I want to file a complaint and be able to provide any information needed so this can be investigated. Capital One did very wrong in closing my account.
Product: Checking or savings account

Someone hacked into my professional email account and accessed my settings in my employer 's payroll successfully changing the bank information where my paycheck is deposited. My paycheck was redirected to an online bank account ( Sofi ).
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXXI was informed by XXXX XXXX XXXX XXXX I was involved in a large data breach where my account and personal information were compromised. In XX/XX/XXXX I reviewed my credit report I noticed several fraudulent accounts I believe to be from this breach. I would like the incorrect documented information on my credit report removed immediately.Thank You.
Product: Credit reporting or other personal consumer reports

Ive just disputed the bounce along with this account being opened the charge off status, etc. several times so on the last dispute, which was balance of {$8300.00} how did you verify this is accurate when theres no payment history??

Trans Unions statement was what we call them and thats what the company said keep in mind. This is a reverification.. so when I pinpointed this is a verification, how did you verify, you as in train union, that this is accurate when there is no payment history???

Their response was we have no payment history, you want the payment history you called them. This is completely inaccurate when it is the credit bureaus responsibility, and in this case TransUnion to verify that this is accurate if you can not verify that this is accurate, which would be example providing payment history, it is unverifiable and therefore must be deleted TransUnion and this is your 30 day notice fix your problems or I will see you in court.

You have trashed my credit for over a year now on one account an account you keep reporting as open, but has a job status an account that Ive given you police reports Ive given you identity theft reports an account that is not mine. It may have been mine, but my account was closed back in XX/XX/XXXX, this account clearly reports it being opened as in XX/XX/XXXX so please tell me how you verified that when it is completely incorrect!!
Product: Debt collection

On XX/XX/2016 Walden Associate Management contacted me at my sister 's telephone number. Stating I needed to contact her due to breach of contract with client. When I called I was transferred to a XXXX who claimed to be a lawyer and began to insult me ; stating that I was stupid for saying he would be in violation of debt practices, if he continued to call me at third party numbers and refusing to cease and desist contacting me. Then the first week of XXXX Walden Associates Management called my sister 's number again and left a message to call XXXX. I did not call them back. 
In researching the phone number, I came across several posts indicating they had been contacted by the same people and that this is a scam to get people to pay them.
Product: Credit reporting, credit repair services, or other personal consumer reports

My consumer report shows negative items reported inaccurately and without my consent. A charge-off is reported as debt when it is defined as income, according to the IRS. Also, I did not receive the opt-out disclosure regarding my non-public information being shared with third-party companies, nor did I give consent. 

The attached documentation further explains my claim.