23daVinci/CFPB_Complaints huggingface dataset:
Product: Prepaid card

On XXXX/XXXX/2015 I should have received my direct deposit from my job that was sent to Rushcard to deposit on my account. It was not posted that night the next morning I called to see what was going on but I could n't get through, I figured it would be on there the following morning when I went to work.XX/XX/2015 I went to work and checked my Rushcard app on my phone to see if my money was there because I had n't received my text message saying it was there, when I looked it said I had XXXX from a Process credit. On XXXX/XXXX/2015 I went to the bank to withdraw my money to pay my bills and my card was declined so I pulled my app up for the teller and showed him it was there so he ran it again. The second time he ran my Rushcard my account went to XXXX, I let him know that he got the money because my balance went to XXXX, He stated ma'am your card declined and it did n't give me your money, How embarrassing! So I went to work and that night I was able to get ahold of a representative for Rushcard after being on hold for an hour, they explained that my direct deposit was safe and they were working through some glitches and it would be posted soon but could n't give me a day or time. Long story short.. it is now XXXX/XXXX/2015 and I still have not received my direct deposit from XXXX/XXXX/2015 from my job that was sent to Rushcard. I have spoke with several different CSR and have been told a lie everytime I 've called.. It feels like I was stolen from because they will not give me what I have worked for. I had to go take out a loan just to pay my bills and to keep from loosing my car because Rushcard wo n't give me what is owed to me.. Every time I call Rushcard and put my information in it will ring three times then hang up. I have switched my direct deposit over to someone else now so that I wo n't have to worry about this anymore but Rushcard owes me {$580.00} and I want my money. I have my paycheck stub and all my Rushcard transaction history printed for proof of what they owe me.
Product: Debt collection

I recently noticed a collection on my credit file which I do NOT recognize. I have not been sent any debt validation letters to this company nor have I received any calls or communication of any kind from this company. I have NEVER done business or received any good or services from this company. I DO NOT HAVE A CONTRACT WITH THIS COMPANY. And because I've done my research, this company seems to be a possible client of another collection company by the name of National Debt Holdings. I also do NOT have a contract with National Debt Holdings either and have never done any business with either of these companies. I tried to file a dispute by certified mail with XXXX XXXX XXXX XXXX at the address that was listed on my credit file and it returned to me as undeliverable. I sent another certified letter to the address they listed on their website and it was Delivered on XX/XX/year> and signed for by XXXX. in that letter, I requested a HIPAA document signed in WET INK by myself as well as proof that they contacted me with a debt validation letter and copy of a contract stating that I have business with this company or any other " client '' that they represent to my current address as required by FDCPA regulations. A consumer has 30 days to validate the debt BEFORE a collection agency can furnish information to any credit reporting agencies. This did NOT happen. THIS IS A VIOLATION. I also requested for documentation of their rights and license information that they are authorized to collect a debt in my state. I have received nothing at all. 

Be aware that furnishing information to credit reporting agencies without allowing the customer to validate the debt or even notifying the consumer of such debt is a violation of federal regulations. Also furnishing incorrect or unvalidated information to credit reporting agencies after the consumer has notifed you that it is inaccurate is a clear violation of FCRA 623 subsection B. The Fair Credit reporting act provides rights to legal and financial relief from companies violations of these laws.
Product: Credit reporting or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file 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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX, a federally protected consumer has been abused during this unfortunate time of the pandemic by Chex Systems Credit Reporting Agency. Chex System has repeatedly tarnished my name and destroyed my reputation over and over again. I have attached exhibit A green return receipt showing that I have tried to resolve this matter with them. According to 15 USC 1681 ( a ) ( d ) ( 2 ) ( a ) ( i ) a consumer credit report shall not include transactions or experiences between consumers and furnishers. Chex System has quite a few transactions between myself and different furnishers clearly violating this federal law and destroying my family. The Federal Credit Reporting Act was put in place because the banking system is depending on fair and accurate credit reporting. Chex System has breached my privacy by sharing unfair and inequitable information about me to different companies without my written consent pursuant to 15 USC 1681b. I am seeking justice and my remedy to be answered and acted upon accordingly with my direction. This is a warning.
Product: Credit reporting, credit repair services, or other personal consumer reports

Last Reported XX/XX/XXXX Creditor Name XXXX Account Type Credit Card Account Status Closed - Paid Opened Date XX/XX/XXXX Closed Date XX/XX/XXXX Limit {$6500.00} Term -- Monthly Payment {$0.00} Responsibility Individual Balance {$0.00} Highest Balance {$7400.00} Payment Status Current Worst Payment Status XXXX Days Late Date of Last Payment XX/XX/XXXX Amount Past Due $ XXXX Times 30/60/90 Days Late XXXX Needs to all removed from my credit report, all the lates were completely inaccurate
Product: Checking or savings account

Chase bank has put my account into XXXX XXXX as owed to them when my account had been fraudulently used by someone who had all my info and had made my account negative XXXX dollars On top of taking over 600 dollars Out of my account which makes it total of over 1000 dollars taken fradulently from My checking and saving account and When i had noticed it and reported to Chase they said would investigate and send me a new card. Which they did n't not and closed my account and blamed me for the money taken Without any evidence and supposebly they said I told them my pin was written on the back of my card which is n't true at all I would never ever do such a thing that 's like saying I would put a big Sign in my House pointing were I have hidden my jeweler or cash so when a thief comes into my house he would n't have problem finding it this just redicilous claims by Chase so I asked them For the recording to support there false claim which they still have n't let me Hear it till this day and have caused problems with my credit score and for me Obtaining any checking account at any other bank which is very upsetting. I 'm Demanding they return my money and or either give me a new account with the money in it. Because of Chase now my XXXX has been ruined and this is a big problem for me since I get big paychecks and need to have somewhere to put my money. Chase needs to fix. My issue asap.
Product: Credit reporting, credit repair services, or other personal consumer reports

A charge offs being listed on my on my credit report. 
1. XXXX XXXX XXXX XXXX charge off. 
2. XXXX XXXX XXXX XXXX XXXX XXXX charge off. 
XXXX. XXXX XXXX listed as XXXX charge off. 

Pursuant to F.R.C.A 15 U.S.C 1681s-2 ( a ) ( 1 ) ( a ) Charge-offs are considered as income and I have not received a 1099c for these listed amounts, therefore these accounts are inaccurate.
Product: Payday loan, title loan, or personal loan

XX/XX/XXXX I went to titlemax XXXX ca. I needed a loan for XXXX to cover rent and XXXX. I was informed by XXXX an employee that loans under {$2600.00} were not allowed in California. This I learned later was a lie. My payments were to be $ XXXXmo. I asked about early payoff. He said the first payment was the " big one '' I received No paperwork about loan terms they said for all that info create online account log in etc. so for the next several mos. I made my payments. XXXX they closed their doors in XXXX thats when I checked my balence 1st time. It showed I had paid {$2300.00} on a loan of XXXX over 4 months and I owed {$2000.00} ... .. I have tried to call Titlemax of Californias ' main office in XXXX county it hangs up as soon as it rings thru. When I investigated it said Titlemax was ordered by state to cease and desist XX/XX/XXXX. And they actually stopped in XX/XX/XXXX ( 2 weeks after they got me. ) The other offices know nothing of my case and the website only left me choices of payment. This car is a XXXX XXXX XXXX w/ XXXX mls and drinks oil, needs bushings and 2 cal catyltic converters. At best its worth XXXX. Im not paying them another XXXX of interest. And Im not giving them the car after all this and have them sell it for XXXX to one of their car lots. and sue me for unpaid balance. They should not have been still doing that.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding XXXX handling of disputes particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution an Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

( 103 true Identity theft ) I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft Please block this information from report My Equifax : Confirmation XXXX My XXXX   Report Number XXXX XXXX  lock me out and i'm not able to pull up a report number XXXX  XXXX XXXX {$12000.00} XXXX ( XXXX ) XXXX XXXX XXXX/XXXX  {$590.00} XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX ( XXXX ) XXXX XXXX XXXX, XXXX XXXX XXXX {$1600.00} XX/XX/XXXX XXXX/XXXX  {$3300.00} XXXX {$3600.00} XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX My personal information was exposed in a data breach. i started receiving information not for me, i checked online & found out about the data breach i looked up my credit report i found inaccurate, false and fraudulent information that don't belong to me i contacted my local police made a report they also told me to make a report with FTC because of jurisdictions ive listed as many fraudulent accounts as i could thank you for your help
Product: Checking or savings account

Transaction was initiated on XXXX XXXX cancelled on XXXX and returns the funds same day Bank of America would have received funds XXXX On XXXX Bank of America still has not posted funds On XXXX Bank of America advised that they errored in their posting of the returned funds and a supervisor callback was requested Callback never received, I called them back. I was told the other rep lied by a supervisor and that it could take another 1-5 business days to return my funds. The transaction is still showing processing on XXXX from a transaction XXXX and this makes no sense. XXXX tried to claim the merchant was still attempting to process the transaction but this is false. XXXX argumentative even though own rep said funds should have returned. I have another bank I tried this transaction on and had the same exact problem with XXXX  website and the funds were IMMEDIATELY returned to my account upon the order being cancelled.
Product: Mortgage

victim of a predatory loan, have been trying to work w/the loan servicing company and they have been unable to help resolve the situation. Ocwen stated they are only the servicing company and the owner of the loan does not participate in any of the Home Affordable Modification programs, XXXX/XXXX/2016 conservation w/relationship manager was still delay in processing deed in lieu of next appoint is XXXX/XXXX/2016, but if we make a payment of {$7800.00} by XXXX/XXXX/2016 they can call us with the deed in lieu status by XXXX/XXXX/2016. We have been told that at this time the deed in lieu has not be approved by XXXX XXXX and they are pending the Titling information.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX. This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. XXXX ) that you, the XXXX, XXXX and Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. 


This fraudulent, inaccurate, and false information consists of a account opened at 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  ). These Accounts have resulted in several hard inquiries appearing on my consumer XXXX credit report. I demand that the aforementioned fraudulent items be removed from each of My consumer credit reports and that related to said items cease pursuant to my rights within the FCRA and FDCPA laws. 


These accounts have resulted in several fraudulent hard inquiries and fraudulent accounts appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, or hard inquiries as reported. The aforementioned accounts, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
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/inquiries below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

UNAUTHORIZED INQUIRIES, PLEASE DELETE : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( 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: Mortgage

Well I have a loan with chase bank that I have had for at least XXXX years it is 9.25 percent interest and the loan they gave me was more than the house is worth. I have made all my payments and as you no i ca n't get the loan paid down cause I 'm paying all in interest.I have tried numerous times to refinance the loan thru chase but they wo n't budge and no one else will work with me cause I owe to much on my house. Can you please help me.
Product: Debt collection

D2 Management repeatedly calls my phone number and my wife 's phone number using local spoof numbers. They don't identify the company they are calling from until asked several times and they get nasty and rude when identifying the company. 
Neither of us have any debt at all and nothing in collections. The company refuses to send us proof of debt or give us any information over the phone. They literally don't even want to tell us the name of the company until we provide them with the last four of our SSN, which we will not do. I have repeatedly told them that I will not give out my info to someone randomly on the phone. They can identify themselves, use their real phone number and even ask me to confirm what they have after they tell me at least part of what they have but I will not give my information first. 
According to the XXXX  this seems to be what they do to everyone they call. This is a huge red flag for a scam company. 
Their most recent call was XX/XX/2021 from XXXX.
Product: Credit reporting or other personal consumer reports

I reached out to LVNV Funding LLC regarding a debt collection appearing on my credit report totaling {$810.00}, a matter I had previously disputed. During our conversation, the collector disclosed someone else 's personal information, including an incorrect phone number. Initially, I was informed of an outstanding debt on a XXXX XXXX  credit card ( dated XX/XX/XXXX  ) amounting to {$2100.00}. To verify this claim, they provided me with another person 's phone number. 

Having contested this account, I am now alarmed by the potential privacy violations and breaches of consumer protection laws stemming from this error. I possess a personal recording of the call as evidence. 

This communication transpired on XX/XX/XXXX at approximately XXXX XXXX  XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I got a report for a job of my background screening results, and it shows that XXXX has me reported for collections for settled-less than full balance. It is not being reported under my bankruptcy chapter XXXX that was filed XX/XX/XXXX and Discharged on XX/XX/XXXX. Bankruptcy case # XXXX. THIS ACCOUNT WAS INDEED INCLUDED IN MY BANKRUPTCY. I need this resolved in a timely manner because i am submitting a reconsideration employment letter to the company that has denied for employment because of this mistake. Thank you. XXXX XXXX IS USING TRANSUNION, so would like to get it removed from transunion and the other credit agencies if being reported as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello I am having trouble with my credit report being updated in a timely manor. My credit cards are all at XXXX balance and my fico XXXX score has updated some but my fico XXXX score hasn't update at all. I actually think this is very unfair because if I use one of my cards it is updated so quickly. I have sent in written documents to all credit bureaus for late payments and reporting and haven't receive any response which is very unprofessional. I am hoping that once this letter is written someone will take action and help me. It seems like the credit companies and credit card companies etc can do what they want and when they make mistakes they are not held accountable to fix any wrong that has been done.
Product: Mortgage

The original Mortgage was XXXX for XXXX for XXXX here it is XXXX my mortgage should be paid of and they say we still owe XXXX dollars!!! You mean to tell me in almost 30 years of a XXXX a month aymt we only paid XXXX XXXX towards our house!! XXXX is fraud somewhere and we refuse to pay anymore on the mortgage we paid enough for this house already
Product: Credit reporting, credit repair services, or other personal consumer reports

RE : Letters Submitted : XX/XX/2021 XX/XX/2021 & CFPB COMPLAINT XXXX FEEDBACK SUBMITTED XX/XX/2021 I called and spoke with a TRANSUNION representative about my report on XX/XX/2021. I was only provided a partial report with no score. When I spoke with the rep I was told that I would receive a new report and updated score once the full disputes had been compete. On XX/XX/2021 I received the new credit report but again it was partial information not a new full report with newly updated score. I do not have pay for a new score as the partial credit report sent to me states. I am entitled to accurate and fair reporting as the consumer. 

On XX/XX/2021 your organization responded to my complaint to the CFPB saying : Within 30 days, we will close out your dispute and advise you of the results in writing. You have not done so and you are in violation. Because you have not provided me with an updated credit report and score and have failed to respond to my written disputes within 30 days which makes you in violation of FCRA Section 611 Part ( A ) ( 1 ).

It is obvious that TRANSUNION has attempted to circumvent the system and I will report this if they do not comply. Since XX/XX/XXXXI have provided documentation and asked for them to investigate then delete this inaccurate information from my report and provide me with a newly updated report and score. It is now XXXX and TRANSUNION has failed to comply with the law. 

Also you are attempting to Re-age my account by updating the date of last activity on your credit report in the hopes of keeping negative information on your account longer. I am certain you are aware of the FCRA Section 605 ( c ) Running of the reporting period of which you are also in violation of. Its the original date of when the debt was incurred that determines when it is removed from your credit report.