23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Per 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 Account # XXXX. 
XXXXXXXX XXXX  Account # XXXXXXXX XXXX- Account # XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXXXXXX XXXX- Account # XXXXXXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX Account # XXXX 15 U.S.C 1681 section 602 ( A ) states that I have the right to privacy.

15 U.S.C 1681 section 604 ( A ) section 2 states that a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681 c. ( a ) ( 5 ) section states that no consumer reporting agency may make any consumer report containing any of the following information items. Any other adverse item of information other than records of convictions of crimes which antedates the report by more than 7 years.

15 U.S.C 1681s- 2 ( A ) ( 1 ) states a person shall not furnish any information relating 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

XXXX XXXX XXXX $ XXXX a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted fro an alleged identity theft, not later than XXXX business days after the date of the receipt. I HAVE ATTACHED MY FTC REPORT TO THIS COMPLAINT TO PREVENT FUTHER STALL TACTICS FROM EQUIFAX.
Product: Mortgage

I have lived in my home for 45 years but due to inaction and incompetency on the part of my mortgage lender Chase I am in danger of my house being sold at foreclosure auction. I have spent the past 5 years attempting to resolve my issues with Chase. I am able to make a reasonable mortgage payment, but due to the failure of my business and the crashing of the economy I was not able to continue making the monthly payment after it adjusted up while my income was going down. 

Please understand that I have paid my mortgage on time for nearly 40 years. I refinanced through Washington Mutual around XXXX and they put me into an adjustable FHA government insured loan. I thought that my payment would be stable and reasonable, but I found out later that Washington Mutual misled me and my rate and payment increased over time. I had opened a clothing business in XXXX which was initially successful. Of course, the following year the economy crashed and my sales suffered. I hung on for another year but then a XXXX XXXX opened across the street and that was the beginning of the end. 

In XXXX I was struggling and could not afford to make the full monthly payment on the mortgage. I attempted to make partial payments to Chase but they would not accept them. I was told instead that I could apply for a loan modification. I began the process back in XXXX. Since that time I have spoken with Chase at LEAST 100 times on the phone, have sent them thousands of pages of paperwork but yet have never actually been reviewed for any programs. No formal completed review, no denial, just total runaround for XXXX plus years. I feel like a hamster on a wheel!!! The problem is that now they have set a sale date for XXXX XXXX and I fear I am out of options. It does not have to be like this. I receive retirement benefits as well as unemployment payments. Also my son is living with me, he is employed and contributes towards the bills. If Chase would actually take the time to review my information they would see that I can afford a reasonable payment. The problem is they have never taken the time to do so.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of identity theft, I have had someone use my identity with different names, addresses, and information. I need this to be investigated and fixed immediately. 

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

I have file several disputes regarding my credit concerns and items that's inaccurate on my credit report.. I credit bureaus, creditors and collections companies aren't complying with the FCRA. I have sent out several letters asking them to provide proof a validity, make corrections, and or remove inaccurate items they refuse to do so.. I have proof of every letter i sent out..
Product: Debt collection

XXXX XXXX XXXX in XXXX NC claimed I owed {$10.00} for a month of service in a rental home after I had already given notice I would be leaving on XX/XX/20. They could not give proper time frames and kept changing story and owed amount on me after I called and spoke to 2 representatives who could not justify why I owed said amount but kept receiving bills. I filed complaint with XXXX  in which time they finally got their story straight that I owed a final bill amount of {$10.00} yet never sent a paper bill showing dates of this. Agreed to pay but before I could I had FirstPoint XXXX  threatening me with a collections for said amount. This amount was sent to collections before a proper amount of time was given to me to pay it. Paid final bill amount on XX/XX/20 of XXXX. Received another notification from FirstPoint XXXX today. I want the harassment to stop.
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  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX has violated my rights. Or a list of inquiries 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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Money transfer, virtual currency, or money service

XX/XX/year> I zelled XXXX to the wrong person and I instantly called and I was told there was nothing they could do about that because I sent it
Product: Checking or savings account

I deposited a loan check in the amount of XXXX on XXXX XXXX into my checking using the mobile app. It was accepted by Chase, however they sent me a notification that the check would be held for 2 business days at which XX/XX/XXXX would be the release date. I had already made a fund transfer for XXXX into my XXXX XXXX account and figured it will be in by XX/XX/XXXX, but come XX/XX/XXXX, I get a DIFFERENT notification from Chase, this time telling me it's held til XX/XX/XXXX, in the meantime I've now got a negative balance of XXXX and I was blown away, as this loan check from a lender had already been marked as immediate access by the bank it was released by. Now I called chase Bank 3 x and got the run around, in the meantime I am subject to nsf charges that Chase will apply with 24 hours each day, eating up the funds. I'm pretty tired of their crap. They are to release that money now! There's no fraud here except by them!
Product: Credit reporting or other personal consumer reports

I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code XXXXi ( XXXX ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within XXXX business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 


Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code XXXXn ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code XXXXo ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code XXXXk holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action. 


XXXX Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA XXXX XXXX ( False and Misleading Representations ) and These accounts are falsely reported as charge-offs. 
Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code XXXXb ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately.

Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. XXXXc ( XXXX ) ( A ) ( B ) ( i ) ( XXXX ). They must be deleted from my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the accounts in quest with TransUnion and requested that a XXXX of XXXX as to how they determined the accuracy of the said accounts. Unfortunately, TransUnion has failed to respond to my queries repeatedly and I am forced to report to the CFPB as a last means of resort since they have ignored all my request. As my letter stated I am expecting that they provide a detailed response and not a generic response to my dispute. I have also included the past letters complete with receipt of mail sent via certified mail. Additionally, I have included a screenshot of the online portal that shows in their system that a dispute sent since XXXX was still pending in XX/XX/2022.
Product: Debt collection

On XX/XX/2022, I received an email from my credit monitoring service. It informed me that my credit score had dropped a tremendous amount of points. I logged on and found that CONSUMER ADJUSTMENT COMPANY had illegally posted an alleged collection account to my credit profile. Prior to the email, I have never heard of nor had an account with this company. My report shows that it is an open account and was opened on XX/XX/2022 with a balance of {$570.00}. I had no knowledge of this company nor this alleged debt. I have never had any dealings with this company. By federal law, a debt collector is supposed to make contact with an alleged debtor and give them 30 days to validate or dispute. I never receive a letter in the mail that gave me 30 days to validate or dispute this account. I never received a letter stating that I have an alleged debt with this company and owe a balance on that account. Again, I have absolutely no knowledge of this account with them. I understand that, under the FDCPA guidelines for collection agencies, they have to provide ( 1 ) proof that they are the original holder of this debt and can legally hold me responsible for paying this debt and ( 2 ) contractual proof of obligation or an assignment SIGNED from an officer from the original creditors corporation that I am supposed to pay them. 15 USC 1692g Sec. 809 ( b ) of the Fair Debt Collection Practices Act ( FDCPA ) grants me the right to request validation of this alleged debt they say I owe. I did not receive notice of right to dispute nor did I receive enough information to verify that the alleged debt belonged to me. If I would have gotten anything in the mail or phone call from this company before they illegally reported to my credit report, I would have respectfully requested evidence that I am the person they are asking to pay this debt and a contractual obligation that legally binds me to pay them this debt. Upon them receiving my validation letter, they would have to legally cease from collection calls, letters, and efforts and delete the account from my credit files until they can validate this debt. But again, I never received such a letter about this account or phone call ever in the mail. They have illegally posted and reported to my credit file without adhering to the FDCPA laws. Im not sure if this company is a scam, but I know that this company has broken FCRA and FDCPA laws by reporting an alleged account to my credit report without informing me through mail or phone and I did not receive notice of right to dispute nor did I receive enough information to verify that the alleged debt belonged to me. My credit score has dropped tremendously in the middle of purchasing a home. Please help me get his account removed immediately. I'm preparing to sue under the FCRA and FDCPA because of the damages to my credit and opportunity costs with the purchase of my home and business ventures that have to be delayed until this illegal account is removed. CONSUMER ADJUSTMENT COMPANY, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MO, XXXX, ( XXXX ) XXXX
Product: Money transfer, virtual currency, or money service

I called Citibank multiple times between XXXX XXXX XX/XX/2022 ( including chats ) to transfer money from my Citi XXXX XXXX account to close on a mortgage loan due to close XX/XX/XXXX. I was told so many different things by different representatives and feel I was truly misled. Here are a few of the things I was told : 1. You can't transfer money over the phone. You have to do an online transfer. 
2. You can transfer up to {$50000.00} per day. 
3. Our online transfer system is down. It is a known issue that we are working on. 
4. I can do a phone transfer for you. Please give me the routing and account number. I was put on hold and transferred back into the queue. 
5. You can only transfer {$10000.00} per day. 

I had to talk to multiple people just to get the complaint escalated into the Executive Response Unit only to be assigned to a trainee who had extremely poor customer service skills. When I asked to speak to her manager she told me no I had to deal with her. 

I finally ended up having to close my checking and savings account to get a cashier 's check so we could close on our house on time. I don't even know at this time how many representatives threw me cold transfer back into a queue to start totally over. I have no idea how many hours I ended up spending on the phone trying to get this situation resolved. I had been a customer with Citibank for 15 years. Not once did anyone acknowledge the fact that I was a long time customer. I also do not feel anyone in a leadership podition was truly made aware of my concerns or offered a true apology. 

I really would like to request every call ( or chat ) be reviewed between the dates mentioned above ( including every call segment where I was thrown back into a queue ) for quality purposes so that management can understand the opportunities they have with their employees! I also would like to receive a true apology for all I had to endure and the level of stress it caused.
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. 


I told XXXX, XXXX, and Equifax to reinvestigate these accounts : XXXX XXXX XXXX : # XXXX, Account XXXX XXXX XXXX : # XXXX, However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity, payment history, closed date and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 

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. 



These bureaus have not done a proper investigation at all on any of my disputes and should be held liable for the damages to my personal and financial life due to there lack of care for the consumer and the harm it causes them when they dont take there job seriously
Product: Credit reporting or other personal consumer reports

I am filing this complaint against TransUnion for failing to maintain accurate and current personal information on my credit report, as required under the Fair Credit Reporting Act ( FCRA ). Despite previous requests, my credit report continues to contain outdated or incorrect variations of my name and address, which have not been removed. I have provided my correct information, but TransUnion has retained inaccurate data without proper verification, which is a violation of the FCRAs accuracy requirements. 

My Correct Information : FXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Violations of the FCRA : Failure to Maintain Accurate Information ( FCRA, Section 609 - 15 U.S.C. 1681g ) Under Section 609 of the FCRA, credit reporting agencies are required to maintain accurate and verifiable information on consumers ' reports. TransUnion has failed to remove outdated names and addresses despite having my verified current information. 

Inclusion of Unauthorized Information TransUnions continued reporting of old names and addresses without my authorization infringes on my right to accurate reporting. The presence of these entries also affects my creditworthiness and is a violation of the FCRA.
Product: Credit reporting or other personal consumer reports

I am filing this complaint for myself because I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX Date of Inquiry XX/XX/XXXX & XXXX XXXX Date of Inquiry XX/XX/XXXX
Product: Debt collection

Sent a letter on XX/XX/year> requesting supporting documentation to validate the alleged debt. MCM was unable to provide any proof. I asked them to please stop harassing me everyday and they are calling, sending emails, and threatening letters in the mail. Yesterday, I received an email from Manager XXXX XXXX with the following : We have been trying to contact you regarding your outstanding obligation of {$7500.00}. As the legal owner of your XXXX XXXX XXXX account, if we don't hear from you or receive payment, we will review your account for further collection activities.

These are false statements and malpractice. I have been responding in the past and I still get threatened and harassed every single day.

They also provided this information. I do not see my name or such promissory document.

Current Servicer : Midland Credit Management , Inc.

Current Creditor ( the sole owner of this debt ) : Midland Credit Management , Inc.

MCM Account Number : XXXX
Product: Payday loan, title loan, or personal loan

I had originally taken a loan of {$500.00} from MoneyLion on XX/XX/XXXX. This loan is showing on my credit report as XXXX XXXX but this loan was paid off. The way MoneyLion works is that you have to pay your Loan off to get another one. There is another Loan on my account that was issued on XX/XX/XXXX for {$500.00} which shows XXXX XXXX XXXX XXXX  No one at MoneyLion has been able to provide me an explanation on how I was able to obtain this loan without paying the one in collections from XXXX, XXXX. They have not been able to provide any loan documents or statements regarding the loan from XX/XX/XXXX.
Product: Credit card

I noticed a charge on Capital One Savor card from a XXXX restaurant, XXXX XXXX XXXX, on XX/XX/XXXX for XXXX. I had never heard of this restaurant. It's located about XXXX miles from my home in a town I had not been in for several months. I contacted Capital One. They removed the charge and immediately added it back. Capital One is convinced that my chipped card was presented for the transaction. My card has NEVER been out of my possession. I did not make this transaction. I spoke to them again yesterday, XX/XX/24. After speaking with XXXX different people I ended up with a fraud " manager. '' He said their opinion is the charge was legitimate and there was nothing more they could do. HIs name was XXXX. He could not provide his last name. After I asked if he was the only XXXX at Capital One he did provide me with what he said was his ID #. It was XXXX. I explained to XXXX that I charge roughly XXXX to XXXX dollars a month on my two Capital One credit cards. I noted that it should be considered highly unlikely that I would lie about a XXXX charge and it seemed strange that they would be OK with me closing my accounts due to this amount. He insisted he couldn't help. I can only conclude that their fraud investigation is not effective and I will no longer do business with them.
Product: Credit reporting or other personal consumer reports

acct # XXXX This account is unknown and unverifiable please remove there is no contract with my signature
Product: Checking or savings account

XX/XX/21, I called Chase customer service requesting a detailed statement of wires that were wired to scammers. I have all the information but I just need a statement from Chase stating my name, date of wire, amount of wire, whom it was wired to, beneficiary bank, and account. But the customer service said that Chase can not provide such a letter. I need this letter to provide to the XXXX XXXX police. It is required in order to freeze the account of the scammer. Please do not send me my bank statement. I already have my bank statement but when I submitted it to XXXX XXXX police, they said it is not enough because the details are what they wanted.
Product: Debt collection

XX/XX/2018, Collection agency identifies themselves as Halsted Financial Services contacts me from phone number XXXX. Claims they are collecting debt for XXXX. I requested them to substantiate the debt, and send me all paperwork on the matter. Representative threatens to " take this matter higher '' and warns me that failing to pay today will damage my ability to obtain credit cards, auto loans, and other things. Representative does not give me any contact information for Halsted Financial, so I request him to stop calling me until he provides paperwork regarding this matter mailed to the address he has on file. He warns me that I am being " uncooperative '' and disconnects the call. 

No such account exists on any one of my credit reports, and even after i alerted the representative that I had never done business with the company, he continued to harass me to pay this account.