23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I tried to log into my account to pay my bill. When I logged in I was not provided my phone number to get my access code texted to me. I called and they said I had a different number on file I said that is impossible as I had same number for over 15 years and I used the same number every time I previously logged in and was sent an access code to my number XXXX. I am concerned that they have no records of my number so i question their record keeping. They were unable to look at my historical records and verify the number. The verbally gave me a compeletly different number and refused to do anything so I said I'll get CFPB to look into this as there is a problem with their record retention, which is a CFPB offense. I request CFPB inquire Chase Marriott Bonvoy on first how my number was changed without my authorization and how they lack the records to verify historically the number that was provided to access my account in the past. I have attached a screen shot from my phone to confirm.
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. 

Account name : XXXX XXXXXXXX XXXX Account number : XXXX Account name : XXXXXXXX XXXX Account numberXXXX Account name : XXXXXXXX XXXX Account numberXXXX Account name : XXXX Account number:XXXX has violated my rights. Or list of inquiries 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 re
port 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

Midwest Recovery system told me that I get a loan from pay day loan back in XX/XX/2015. It was check to cash in XXXX XXXX. I told them that was not me, if I got a balance from the creditor why they don't send the bill to my house or call me. They never send any bill or call. I am buying a house, trying to get a pre approve letter that is how I find out from my loan office told me. I need it to remove from my credit report.
Product: Checking or savings account

I had a dispute but canceled it because I was unhappy with how Chase handled the transactions. They closed my account while I was still in the process of disputing it. 

Chase Bank Checking Account : {$XXXX} The original balance was {$XXXX}, but they offered me a settlement to pay half. However, I dont want to payI want the account balance to be {$XXXX}. Some disputed were downed when they shouldve had not been denied
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of my numerous 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. DEPT OF EDUCATIONXXXX XXXX, DEPT OF EDUCATIONXXXX XXXX XXXX DEPT OF EDUCATION/XXXX  XXXX , DEPT OF EDUCATION/XXXX XXXX, DEPT OF EDUCATIONXXXX XXXX, DEPT OF EDUCATION/XXXX  XXXX XXXX and DEPT OF EDUCATIONXXXX XXXX XXXX Please delete these accounts immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I filed a complaint with the CFPB case # XXXX concerning fraudulent charges to my XXXX XXXX XXXX card When I pulled a copy of my XXXX and XXXX  Credit reports on XX/XX/XXXX, My best buy balance reported as {$1900.00}, with DATE REPORTED : XX/XX/XXXX But then incredibly and in response to my XX/XX/XXXX complaint of fraudulent charges, XXXX deliberately updated my balance MID-CYCLE to {$6800.00} on XX/XX/XXXX to reflect all the disputed fraud charges. There are only two ways to interpret this. Either XXXX recklessly posted the balance in error or XXXX retaliated to harm me and my family by deliberately posting inaccurate information. My credit score dropped another 16 pts as a result of XXXX actions, my closing for the {$600000.00} mortgage had to be cancelled. With a deadline of XX/XX/XXXX to close or lose my deposit, unless XXXX, XXXX and Equifax update this account to reflect the correct balance of {$1900.00}. I will be suffering more financial harm. 

Facts to support my claim : In a letter dated XX/XX/XXXX, XXXX admits they have not completed their investigation. Proving XXXX deliberately furnished inaccurate information in violation on every dispute regulated policy of the FCRA and State of Michigan laws. ( see attached letter dated XX/XX/XXXX ) this letter is also included in XXXX response to my CFPB case # XXXX ***I am requesting XXXX, Equifax and XXXX  to trigger the EXPEDITED DISPUTE RESOLUTION PROCESS and immediately update the balance of this account back to {$1900.00}. 
With the letter from XXXX admitting the current balance attached and also posted with the CFPB case # XXXX. If this doesnt qualify for an EXPEDITED DISPUTE RESOLUTION, what does? 

Attached : -Unredacted letter from XXXX dated XX/XX/XXXX -Copy of letter from XXXX dated XX/XX/XXXX w/highlights - XX/XX/XXXX Copy of XXXX  report for XXXX account # XXXX xxxxxxxxx XXXX XXXX  XXXX account referenced in letter - XX/XX/XXXX Copy of XXXX report for XXXX account # XXXX xxxxxxxxx XXXX XXXX  XXXX account referenced in letter Balance reported {$1700.00} - XX/XX/XXXX Copy of XXXX report for XXXX account # XXXX xxxxxxxxx XXXX XXXX XXXX account referenced in letter ; balance reported {$1900.00} - XX/XX/XXXX Copy of XXXX   report for XXXX account # XXXX xxxxxxxxx XXXX XXXX XXXX account referenced in letter ; Balance reported {$6800.00}
Product: Money transfer, virtual currency, or money service

On sunday XX/XX/22 my daughter sent me her savings from her CashApp account to be placed in her external bank account by me. She sent it to my old account that I no longer have access to the phone associated with the account. I have called, emailed and chatted with support almost daily since the occurence. I have given then plenty of identifying information and they still tell me I don't pass their " required data points '' to regain access. I have been told the money is still sitting in my old account and they refuse to even send it back to my daughters account. It is over {$500.00} they are keeping and I cant even get the to tell me any reasons for this. They state " we can not provide you any more information in this case. '' That is not okay!
Product: Credit reporting or other personal consumer reports

Please take this complaint seriously, as it was not submitted in error. My credit report contains mixed information, and I have repeatedly discovered unknown accounts, transactions, and items that have no connection to me. This ongoing issue is deeply concerning and has caused me significant XXXX  and XXXX
Product: Debt collection

OnXX/XX/2018 I was reviewing my credit report and noticed that CBA COLLECTION BUREA was reporting and account that is a result of fraud. Upon further review, I contacted the original creditor, XXXX XXXX XXXX XXXX XXXX, and they had the wrong address and their records their records did not match. I was informed that the account was sold to CBA COLLECTION BUREA and the was no longer their books that I had to contact CBA COLLECTION BUREA which I did. I first spoke to a XXXX. I notified him that I was calling because there's an fraudulent account being reported on my credit file. Upon him locating the file he proceeded to request a payment and how did I plan to pay for this debt, that they take credit cards. I was so upset that he totally disregarded the fact that I noticed him that this was a frauduant account. Thats when I requested to speak to a supervisor. I was transferred to a XXXX XXXX who gave me boilerplate information and was requesting a police report and proof of residence for the time of service. I asked her to red flag the account and to stop the collection attempts. She agreed to send me a ID Theft packet. My biggest concern with this collection company is that they are trying to collect and account that is not mine and the fact that they have reported a fraudulent account to my credit report which has affected my employment due to the fact that my job is credit sensitive. I concluded the call but did informed that I will be filling a complaint and a FTC report.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern,From XXXX  XXXX to XXXX XXXX, the credit card company named Comenity Bank/XXXX XXXX  reported to the credit bureaus that I was late on my payments for 30 to 150 days. This information is incorrect because I specifically asked a representative to set up automatic payments on my account to avoid any delinquencies or past due amounts.The representative failed to set up the automatic payments; however, I wasn’t aware that the payments were not automatically coming out of my bank account. In addition, the company never sent out my bills in the mail nor did they attempt to contact me about my account. Therefore, my account should have never been reported as late because the company failed to do their job and inform the customer about any issues.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, NY XXXX XX/XX/XXXX Subject : Formal Complaint Against Citibank N.A./THD for Unauthorized Credit Inquiry To Whom It May Concern, I am filing a formal complaint regarding an unauthorized hard inquiry on my credit report initiated by Citibank N.A./THD on XX/XX/XXXX. This inquiry was conducted without my consent or any permissible purpose, in violation of the Fair Credit Reporting Act ( FCRA ). 

Description of the Issue : On XX/XX/XXXX, Citibank N.A./THD accessed my credit report without my authorization. Under the FCRA, specifically 15 U.S.C. 1681b, a consumers credit report can only be accessed for permissible purposes, which require express written consent from the consumer. At no time did I provide such consent to Citibank N.A./THD, nor did I engage in any business transaction that would justify this inquiry. 

Impact on Me : The unauthorized inquiry has caused the following harm : 1. Negative impact on my credit score, which could affect my ability to obtain credit or favorable terms.

2. Unnecessary financial stress, as I have had to address this matter and dispute the inquiry.

Resolution Sought : I respectfully request the CFPBs assistance in the following : 1. Investigate this unauthorized hard inquiry made by Citibank N.AXXXX XXXX XX/XX/XXXX. 
2. Require Citibank N.A./THD to remove this inquiry from my credit report immediately. 
3. Ensure Citibank N.A./THD complies with federal laws and provides written confirmation of the removal and corrective actions taken.

Citibank N.A./THDs actions are in direct violation of my rights under the FCRA, and despite my attempts to address this issue directly, no resolution has been provided. 

I trust the CFPB will investigate thoroughly and take the necessary steps to protect my rights as a consumer. Thank you for your attention to this serious matter. 

Sincerely, XXXX XXXX XXXX XXXXXXXX XXXX XXXX, NY XXXX
Product: Mortgage

I am writing to report a discrepancy in my escrow account caused by a duplicate payment for my homeowner 's insurance premium. Here is a summary of the events : Insurance Payment and Notification : I paid the full premium for the year directly to my new home insurance provider. 
Date of Notification : On XX/XX/year>, I called Mr. Cooper to inform them of the change in insurance provider and that I had already paid the full premium for the year. They stated that this would trigger an escrow analysis, and there would likely be an overage and to expect an overage check in 30 days. 

On XX/XX/year>, I was informed that Mr. Cooper made a payment to the insurance provider for the same premium that I had already paid. This was an error on the part of the mortgage company, as I had already paid the premium directly and told them as such. 

On XX/XX/year>, I received notice that my mortgage payment will increase due to an escrow shortage. I was informed that the shortage was caused by the duplicate payment made by Mr. Cooper to the insurance provider, despite me having already paid it in full.
Product: Debt collection

I pulled my credit report in the month of XX/XX/XXXX after being refused a car ins. So, in mid XX/XX/XXXX I received all 3 reports and began going thru them. As I started questioning a few of the collections. I came across BLAKLEY- WITT and began to researching how and why are they on my reports. I disputed the item with credit agencies 1st. This item was removed from one then another but this company still was reporting to them. I was told by XXXX to send them a letter stating they need to provide me with info. stating they actually own this debt and they should have no problem sending the info. After sending them request asking them to prove that they own or that they have some vested interest in this item. This company has been only sending back in return copies of the lease between the realtor and myself never anything saying there is a agreement to pay them ( prove of Assignment ). I have send them TWO request asking for this, from BLAKLEY-WITT As, you can see in the documents this company never replies to my request for info as to this matter. This is a VIOLATION of the Fair Debt Collection Practices Act. Section 809 ( b ),
Product: Checking or savings account

I represent the estate of XXXX XXXX. XXXX was a customer of Santander with at least XXXX business accounts. 

On XX/XX/XXXX, I called Santander XXXX separate times to Santander, and was eventually given a number to the " Court Orders Processing Team at XXXX. 

On XXXX, I called this number and was told that I needed to contact the XXXX XXXX by email. I was informed they only accept email and are not a division that can be called. I asked for an address to mail my information to, and was told they recently moved and an address was not available. 

On XX/XX/XXXX I emailed XXXX but have received no response from them at all. 

On XX/XX/XXXX, I emailed a second time, asking simply for an acknowledgement of receipt ... still nothing. 

On XX/XX/XXXX, I emailed XXXX XXXX, a Santander Banker whose card was in XXXX 's belongings. No answer. 

Today is XX/XX/XXXX and we mailed necessary documentation over 30 days ago. I sent the package and paid for a return receipt. I have confirmation the company received the documentation necessary. 

XXXX XXXX has XXXX business XXXX accounts ... XXXX for XXXX  XXXX XXXX ending in XXXX and another for XXXX XXXX XXXX ending in XXXX. 

I require information about the balances in these accounts and access to the financial records/statements for each. 

If there is a balance in either account, I need a check made out to XXXX of XXXX XXXX and sent to my address. 

Santander is required to comply with these requests. How sad that grieving families have to endure this.
Product: Credit reporting or other personal consumer reports

I received my credit report and notice that the XXXX XXXX acct is reporting as closed with XXXX amt and then status as chargeoff. This is incorrect. Credit agency are not allowed to report information on my report without my authorization. Therefore i would like this acct deleted.
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX  XXXX. XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/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

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. 
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  Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$420.00} ; XXXX XXXX  Balance Owed : {$420.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act 1 ) XXXX XXXX XXXX ACCOUNT # XXXX 2 ) XXXX XXXX XXXX ACCOUNT # XXXX 3 ) US DEPT OF ED/XXXX ACCOUNTS XXXX XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the rights to privacy.

15 U.S.C 1684 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 1666B : A creditor may not treat a payment in a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

TransUnion XXXX Consumer Report Agencies is in Violation of the Congress Code : 15 U.S. Code 1681a ( 2 ) Ai ( Exclusions ) : report containing information solely as to transactions or experiences between the Consumer and the Person making the report. 

The Consumer which is me and the Person is the organization. TransUnion/XXXX Consumer Report Agencies is not permitted to report ANY late payments, payments that lead to being a Charge off / collection on my consumer report. 

I repeat this code DOES NOT include transactions and experiences between me ( the consumer ) and person ( organizations ) allowed to be reported.
Product: Debt collection

I became aware about XXXX XXXX, XXXX, that Santander Bank opened an unauthorized account in my name in violation of the Truth in Lending Act. 
I did NOT sign contract and did NOT activate unrequested card XXXX, destroyed on arrival unused. 
Santander used card XXXX at least three times in defiance of multiple certified cease-and-desists and with knowledge it has no authority to post any charges to XXXX. It never has sent me a single statement. 
The bank resurrected in violation of the Fair Credit Billing Act an unauthorized charge from XX/XX/XXXX to XXXX that was fully credited and vendor confirmed refund ( see attached ) that was made one day later. Per Santander rep XXXX on or about XXXX XXXX in a phone call I audio-recorded, that credit became final when XXXX closed. 
I sent Santander Chief Legal Counsel XXXX XXXX certified letter dated XX/XX/XXXX, outlining his banks many legal violations. A month later, his automated email reply promised investigation and resolution. 
With no reply, despite XXXX assurance the bank is investigating these legal issues, I followed up by phone on XXXX XXXX, XXXX, with XXXX assigned case agent, an apparent comm grad, not a lawyer. 
He demanded payment from me plus hundreds of dollars in phony late fees and daily interest -- in violation of the Fair Debt Collection Practices Act. He did not object when I disclosed I audio-recorded the call with intent to share it. 
He insisted that he will reply to me only through a woman in Minnesota. I told him repeatedly I do NOT know that woman. 
To prove to me shes your lawyer from an auto-lending firm, he emailed me her letter. Shes just a customer who Santander has similarly wronged. He adds two violations of customers privacy rights to Santanders long list of legal violations. He referred to at least two other data points irrelevant to either of our complaints as reason for dunning me, so he may be conflating at least four wronged consumers. 
As I protested Santanders capricious behavior, he ranted to the effect, You cant buy furniture, keep it and falsely report it as an unauthorized purchase. I told him the zombie {$63.00} confirmed as refunded XX/XX/XXXX and credit final by XXXX XXXX to XXXX was neither furniture nor auto lending, nor even a product ( it alleged nonexistent future service ). He persisted in more elaborate gaslight, then hung up. 
Santanders spokesman may have conflated disparate complaints in preparing to bundle and sell to a third-party debt collector these debts that Santander knows by substantiation and testimony are illegitimate. If so, Santander would fulfill its malicious vow to harass me if I dont relent to its extortion, while laundering that illegal harassment from its hands. 
Isnt selling debt thats already proved to be fake a criminal act? 
I sincerely believe this matter warrants criminal referral. This is new, and It affects more than only me.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep frustration and concern regarding the recent disputes I have initiated with the three agencys. I have requested both disputed information and information used to verify the accounts on my credit report from all three credit bureaus. However, I have encountered a troubling issue in this process. 

Each of the bureaus has informed me that they do not conduct investigations themselves. Instead, they rely on the information provided by the companies being disputed to determine the accuracy of the reported data. This approach has left me unable to obtain any tangible proof of the disputed items, which, as per the Fair Credit Reporting Act ( FCRA ), requires a full and complete investigation. 

Furthermore, after sending letters to all three bureaus in an attempt to exercise my rights to dispute, I have encountered further obstacles. TransUnion, in particular, has rejected my dispute letter and returned it to me. Moreover, I have found myself denied access to my credit report altogether. 

I am deeply concerned that these actions by your agency may not only be a violation of the FCRA but also a breach of my rights as a consumer. I urge them to address these issues promptly and provide a transparent and comprehensive process for credit report disputes, in line with the legal obligations outlined in the FCRA. 

I request that they investigate the disputed items on my credit report thoroughly and provide the necessary documentation to support your findings. Additionally, I kindly ask that they rectify the situation that has led to the denial of my rights to dispute and access my credit report. 

Please treat this matter with the utmost urgency, as it has significant implications for my financial well-being. I expect a prompt response detailing the steps they will take to resolve these concerns and ensure compliance with the FCRA.
Product: Credit reporting or other personal consumer reports

I paid for a credit score check. It charged me twice and did not give me the info. IT also won't let me log back on. THis is a phishing scam XXXX