23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I called the Chase customer service number and explained that I am unable to log into my Chase bank account online due to the two-step verification. The two-step verification is set to send verification codes to my previous phone number ( XXXX ) that is deactivated, and I no longer have access to. Despite giving my SSN, Credit Card information, city, state, and address, I was told that they could not " verify my identity '' despite the information given. The individual on the phone wanted me to verify my identity by verifying purchases made with my Chase credit card, purchases going back a year or more, relying on their " system '' to randomly ask questions about confirming the dates of previous purchases I made ( None of these questions were ones I ever filled out for my security questions, instead are made by Chase 's system, without my input ). I, of course, am unable to remember that exact dates of the purchases I made a year ago, let alone dates of purchases I made more than a year ago. When I was told that this " system '' stated that my answers to the questions it ( the system, not the individual ) made were wrong, I was told that they ( the individual I was speaking to ) was unable to process my request, which was to change the phone number associated with the two-step verification or change the two-step verification to my security questions, and to call again so that the system could prompt me with new, randomized questions, again none pertaining to my security questions but rather purchases and their dates that were made a year, or more, ago. Keep in mind, some of these questions did not make any sense, like asking what my certifications were. I was asked what certifications I have ( I was given four options ), and none of the options provided were ones I even have certifications in, so I was doomed to not have access to my bank account due to Chase 's system making up questions to ask me, questions that I have to answer correctly so that I can have my request fulfilled.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir or Madam, I applied for XXXX as a XXXX recently ( XX/XX/XXXX ) and they initiated a background check on me, which is fine, as I am a XXXX and have been fingerprinted and background checked out the wazoo. 

Then Checkr, the company with my credit report, wrote me with a copy of my report ( XX/XX/XXXX ). I was disappointed to see that one of the background check categories said " Consider ''. The report brought up a XXXX  XXXX XXXX ( of which I was XXXX ), but it was from XX/XX/XXXX. That's 15 years ago. The Fair Credit Reporting Act ( FCRA ) clearly  states that information more than 7 or 10 years old that is negative may not be reported. 

I emailed Checkr and informed them of this and that it was a violation of my rights, but I am already being screened by XXXX based on this background check. I hope it does not affect my chance of being hired. Thank you for taking this into consideration. 

XXXX
Product: Credit reporting or other personal consumer reports

I am attempting to login in to dispute an item on my credit report. I reset my password- they texted me a code I entered it an it says my account is suspended. I contact them by phone they send me a message to chat and complete a form. I did that then they send me more instructions on how to get a live agent but it never connects it keeps hanging the call up and texting me so I am unable to speak with a live agent. 

A consumer should be able to speak with someone without jumping through hoops or hurdles to do so. This has exceeded an hour of me trying to and all Transunion can say is Im a front line when I can not assist with that. So connect or transfer me to someone who can.
Product: Checking or savings account

I received a check in the amount of {$1700.00} for an item that I was selling. I deposited the check on XX/XX/21, waiting for it to clear from " pending '' so that I knew it was in my account. When it cleared the next day as shown on the PNC app, I sent a part of the check to movers on XX/XX/21. The check bounced a few days later on XX/XX/21. 

I called the institution to argue that according to the app, they had released the money into my account without checking for the fictitious check. They said nothing could be done. 

The bank has a system that told me the funds were not " pending ''. The representative told me the check takes longer to verify than the date the funds get released into my account. Why is there such a discrepancy and why even have the word " pending '' then?
Product: Student loan

In XX/XX/XXXX, I enrolled and began classes at XXXX XXXX in XXXX XXXX, La. after a few weeks of classes, I began having difficulties with my instructors, such as inability to understand her speech, as she was from another country, and substituted many words and phrases with her native tongue. So, after requesting a change of courses, I switched from drafting and design, where i originally had issues, to criminal justice where id hoped to continue my education, only to receive an inaccurate attendance record, despite having all assignments and any homework from the " missing '' days. Boiling down to instructor errors, they terminated my instructor and hired a new instructor who started doing the same thing, if not worse ( making it seem as if i was not showing up for course hours ). I was promptly let go from all courses toward the middle of XX/XX/XXXX due to these inaccuracies in attendances. Overall I was enrolled from the summer of XX/XX/XXXX, to the fall of XX/XX/XXXX. I understand that I do not fall under the discharge of student loans due to their closure, I feel I am a victim of fraud as they could not supply me the education I signed up for.
Product: Credit reporting or other personal consumer reports

My information was exposed in a data breach.15 USC 1681 act to privacy act.
Product: Credit reporting, credit repair services, or other personal consumer reports

Under the Fair Credit Reporting Act, my consumer rights have been violated. 

A reporting agency needs written instructions from me, the consumer, to furnish a consumer report. Without written instruction, this consumer reporting agency has committed fraud by using my identifying information without any lawful authority to furnish this information on my consumer report. By definition, you have committed identity theft. This is a violation of 15 U.S.Code 1681b ( a ) ( 2 ) XXXX XXXX : Account number : XXXX, This account violates 15 U.S.Code 1681b ( a ) ( 2 ) CRAs need written instruction to make a consumer report by the consumer a consumer has the right to privacy pursuant to 15 U.S.Code 1681 ( a ) ( 4 ) XXXX  : Account number : XXXX, This account is in violation of 1681b ( a ) ( 2 ) CRAs need written instruction to make a consumer report by the consumer .a consumer has the right to privacy pursuant to 15 U.S.Code 1681 ( a ) ( 4 ) XXXX : Account number : XXXX, This account is in violation of 1681b ( a ) ( 2 ) - CRAs need written instruction to make a consumer report by the consumer a consumer has the right to privacy pursuant to 15 U.S.Code 1681 ( a ) ( 4 XXXX XXXX XXXX  : Account number : XXXX, This account is in violation of 1681b ( a ) ( 2 ) - CRAs need written instruction to make a consumer report by the consumer a consumer has the right to privacy pursuant to 15 U.S.Code 1681 ( a ) ( 4 ) XXXX : Account number : XXXX, This account is in violation of 1681b ( a ) ( 2 ) - CRAs need written instruction to make a consumer report by the consumer a consumer has the right to privacy pursuant to 15 U.S.Code 1681 ( a ) ( 4 ). 

XXXX XXXX Account number : XXXX, This account is in violation of 1681b ( a ) ( 2 ) - CRAs need written instruction to make a consumer report by the consumer. a consumer has the right to privacy pursuant to 15 U.S.Code 1681 ( a ) ( 4 ). 

The following accounts are inaccurate and are in clear violation of my privacy. Which is a violation of the law. This is embarrassing and damaging to my reputation as a consumer. 

I have not given permission to access my credit profile and they have no permissible purpose by law to contact third parties with my private or personal information
Product: Debt collection

National Credit Adjust I called and requested the original documentation and the could not provide. and its not my authorization for the company to have my personal information. 
National Credit Adjust XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX  XXXX # XXXX Please remove these ASAP
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  and Transunion continue to report a fraudulent account on my credit report that does not belong to me. I have tried numerous disputes to no avail. They are in violation of the FCRA.
Product: Credit reporting or other personal consumer reports

In XX/XX/year> My JCPENNEY account was closed for fraud and to this day I dont understand how or why? I opened this account and I explained that.It took forever for them to reopen my account up and send me a new card. Now the new card is not being reporting to the three major credit reporting agencies. I received a letter saying I need to tell them in writing I want it reported along with a copy of my drivers license which is ridiculous because I sent a copy of my license in order for them to send me my current card. Why wouldnt I want it reported? Im not going to pay to have a certified letter sent when Ive already sent the information previously. I want my account reported to the 3 major credit reporting agencies
Product: Debt collection

I 've received repeated phone calls from Dymamic Recovery Solutions regarding a debt I owed over XXXX years ago when I was married and going under a different name. All phone messages indicated that if I did n't call them, I would be served with papers either at my place of employment or at my place of residence. 

This time-barred debt has since appeared on my credit report with an account open date of XX/XX/XXXX ; I did not open any new credit under my current name or under my former married name at that time. This account was originally opened under my married last name ; however, I have not gone by that name nor have I opened any credit accounts in that name since prior to my divorce in XX/XX/XXXX.
Product: Mortgage

Carrington Mortgage has reported me late to the credit bureau from XXXX despite making monthly on-time payments each month. I also discovered that in XXXX XXXX they placed my permanent home loan in modification without my knowledge. I received a letter in XXXX XXXX that effective XXXX XXXX, my loan would increase by some {$300.00} due to my escrow having a negative balance. Finally, on Wednesday XXXX XXXX, XXXX I received a letter Carrington stating that I am in default on XXXX loan payments and owe {$2600.00} and run the risk of foreclosure! I have not missed XXXX single payment to Carrington Mortgage. This company has been a nightmare to deal with since my loan with XXXX XXXX XXXX was sold to them. 

When my loan was sold to Carrington, by XXXX XXXX XXXX XXXX XXXX, I was told by a Carrington rep that despite the fact that they had n't received all the documents from XXXX XXXX XXXX I can began making payments to them on my loan. I did this and have done so faithfully monthly. Then once the paperwork came thru, a few months later Carrington assigned me an acct number, sent paperwork to have payments debited directly from my bank account to them monthly. Carrington also conducted an audit on my account and found that there was a surplus in my escrow and sent me a refund check of {$3300.00} in XXXX XXXX. I continued to make my monthly payments to them for a period of 6 to 8 months I had no problem when making my payment. Then in XXXX XXXX, I was notified by XXXX ( Carrington Rep ) I no longer had a permanent loan but my home was in modification with Carrington because the Underwriters " de-archived the loan, '' because they discovered missing documents from XXXX XXXX XXXX. I inquired how I could be in a modification without my knowledge. XXXX could n't understand it herself but assured me to continue making my payments and it would be straightened out. Then in XXXX I received notification my mortgage payments would increase in XXXX XXXX and now the notice of XXXX missing mortgage payments citing my loan in default. Repeated requests with various Carrington representatives over the last few months have been unsuccessful and not resulted in this problem being resolved as promised. I am requesting all my payments be applied to my permanent loan, so my escrow reflects the correct balance. This will also cause my mortgage to remain at its current payment {$1300.00}. I also want the late payments removed from my credit report as it has negatively impacting my credit and lowered my score. I do NOT need a modification as I have not missed ANY payments. I have enclosed all paperwork including bank/mortgage statements reflecting Carrington receiving all payments from me, a portion of my credit report where Carrington has reported me late and all notifications I have received from Carrington.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following Accounts XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$4100.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX : {$3100.00XXXX XXXX XXXX XXXXXXXX XXXX  : {$6900.00} XXXX  XXXX XXXX XXXX XXXX XXXX  : {$11000.00} XXXX XXXX XXXX XXXX XXXX XXXX : {$5400.00} XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX  XXXX XXXX  : {$23000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to American Credit Acceptance prior to this notice pertaining to your Financial Institution disclosing to a nonaffiliated third party ( XXXX, XXXX, XXXX ) any nonpublic personal information that pertains to me, a Federally Protected Consumer, XXXX XXXX.
Product: Credit reporting or other personal consumer reports

SANTANDER RESPONDED TO MY IDENTITY THEFT CLAIM THAT THEY WERE UNABLE TO REMOVE THE INQUIRY FROM MY CONSUMER REPORT
Product: Debt collection

I contacted Scott, and associates, P.C. is the attorney for the collection agencies that bought the debt from the original creditors that are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The debts were bought by XXXX XXXX XXXX, and XXXX XXXX XXXX. Scott, and associates, P.C. is trying to get a judgment for the original amounts but XXXX XXXX XXXX, and XXXX XXXX XXXX bought the debt for much less than what Scott, and associates is trying to get a judgment for.
Product: Credit reporting or other personal consumer reports

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

Account Name : XXXXXXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX XXXXXXXX : Account Number : XXXX Account Name : XXXXXXXX XXXX : Account Number : XXXX Account Name : XXXXXXXX XXXX : Account Number : XXXX Account Name : XXXXXXXX XXXX  : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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, credit repair services, or other personal consumer reports

XXXX XXXX is my name my social is XXXX The negitive account with XXXX XXXX supposed to be block from showing on my credit report i summited police report to Experian fraud dept .but the 3 accounts ate still showing on my credit report. Please have Experian block these three negitive accounts from showing thank you
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of certain accounts listed on my credit report. As a documented victim of a data breach, I am protected under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ) and am entitled to have fraudulent accounts blocked and removed from my file. 
Below are the details of the accounts that I request to be removed : XXXX. XXXX XXXX XXXX XXXX Account Number Ending : XXXX o Date Opened : XX/XX/XXXX o Balance : {$740.00} XXXX. XXXX XXXX o Account Number Ending : XXXX o Date Opened : XX/XX/XXXX o Balance : {$960.00} XXXX. XXXX XXXX XXXX XXXX Account Number Ending : XXXX o Date Opened : XX/XX/XXXX o Balance : {$3900.00} XXXX. XXXX XXXX  XXXX Account Number Ending : XXXX o Date Opened : XX/XX/XXXX o Balance : {$300.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Bank of America reported a delinquent payment to credit bureaus ( XXXX and XXXX ). I do not have an account nor a credit card with the Bank of America and I never received a bill or a notice regarding any dues! Yet they have reported it without my knowledge.
Product: Credit reporting, credit repair services, or other personal consumer reports

Several unauthorized inquiries showed on report that was not approved nor authorized by me. Contacted bureaus on. XX/XX/2019 @ XXXX via fax. They have yet to contact me.
Product: Credit reporting or other personal consumer reports

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

Account Name : USDOEXXXX Account Number : XXXX Account Name : DP OF EDUC Account Number : XXXX and 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 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: Mortgage

I have Fairway mortgage, and every year they send me a bill for a mortgage shortfall, and every year I pay the difference to keep my monthly payment the same, AND every they receive the check,,, with the coupon,,, and deposit,,, and then proceed to turn me over to debt collection for that amount that was paid from the monthly amount. 
This has become chronic and when you call their so called customer service,,, they can never manage to get someone on the phone to fix the situation!!!
Product: Consumer Loan

I purchased my leased vehicle from Honda Financial Services ( American Honda Finance Corporation, as Servicer for XXXX XXXX XXXX ) in early XXXX 2016. It is now XXXX 2016 and I still do not have the title for the vehicle after repeated phone calls to HFS requesting my title. The registration on my vehicle expired XXXX XXXX ; my plates expired XXXX XXXX am now driving on expired plates but have no choice as I need the vehicle to do my day-to-day chores, get to work, and get my kids to their activities. XXXX continues to give me the run around when I call asking for information on my title or assistance in getting what I need for the XXXX to replace my title and allow me to renew my registration and licence plates.
Product: Credit reporting or other personal consumer reports

I am filing this complaint to dispute an inaccurately reported charge-off account associated with CAPITAL ONE BANK NA Account Number XXXX on my XXXX credit report. The creditor has failed to substantiate or validate this charge-off in compliance with federal laws and regulations, including but not limited to : Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. : The FCRA requires creditors to report accurate and verifiable information. The reporting of this charge-off account lacks adequate substantiation, as no documentation proving the validity of the debt has been provided.

Internal Revenue Code, 26 U.S.C. 6050P : When an account is deemed uncollectible and charged off, the creditor is obligated to issue a XXXX form for cancellation of debt if the forgiven amount meets the reporting threshold. In this case, no XXXX form has been issued, which raises doubts about the legitimacy of the charge-off. 

Consumer Financial Protection Bureau ( CFPB ) Guidelines : Under CFPB rules, creditors are required to ensure fair, accurate, and substantiated credit reporting practices. Reporting this account as a charge-off without proof of its validity may constitute an unfair and deceptive practice in violation of the Dodd-Frank Act, 12 U.S.C. 5531.
Product: Credit reporting or other personal consumer reports

Under The New Rule REGULATION F Which Took Effect November 30, 2021 *15 USC 1681a 2 -Exclusions ( a ) ( i ) is a subsection of the Fair Credit Reporting Act that clearly states Any report containing information solely as to transactions and experiences between the consumer and the person making the report.

*15 USC 6802 is a section of the United States Code that outlines the obligations of financial institutions with respect to the disclosure of personal information. 15 USC 6802 outlines the " Opt Out '' requirements for financial institutions when disclosing nonpublic personal information to nonaffiliated third parties.

Financial institutions are required to clearly and conspicuously disclose to the consumer, in writing or in electronic form, that their personal information may be disclosed to third parties. The consumer must be given the opportunity to direct that their information not be disclosed and must be provided with an explanation of how they can exercise that option.

*15 usc 1681b ( a ) ( 2 ) is a section of the United States Code that outlines the permissible purposes for which a consumer reporting agency may furnish a consumer report. In general, a consumer reporting agency may furnish a consumer report only under the following circumstances and no other : 1 ) The consumer must give written authorization, and I did not and will not give any creditor the right to add negative, inaccurate and injurious information to my consumer report.