23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter off on XX/XX/2023 To remove information that I don't not want on my credit report. According to the fair credit reporting act 12 usc1681. I have the right to privacy also according to 15 usc 6802.No financial institution is not suppose to share my information to third party people.

This are clear violations of my federally protected consumer rights. 

XXXXXXXX XXXX XXXXXXXX Address XXXX XXXX XXXX, PA XXXX Phone ( XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXXXXXX Address XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, TX XXXX Phone ( XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Account Information Address XXXX XXXX, XXXX XXXX XXXX XXXX, CA XXXX Phone ( XXXX XXXX XXXX XXXX XXXX XXXX Account Information Address XXXX XXXX XXXX XXXX, XXXX XXXXXXXX Phone ( XXXX ) XXXX XXXX XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone ( XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Account Information Address XXXX XXXX XXXXXXXX XXXX, AL XXXX Phone ( XXXX ) XXXX XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX, TX XXXX Phone ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Account Information Address XXXX XXXX XXXX XXXX PA XXXX Phone ( XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX Account Information Address XXXX XXXX XXXX XXXX XXXX, CA XXXX Phone ( XXXX ) XXXXXXXX XXXX XXXXXXXX Address XXXX XXXX XXXX XXXX XXXX XXXX  OH XXXX Phone Phone number not available XXXX XXXX XXXX XXXX XXXXXXXX Account Information Address XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX Phone ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX Account Information Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IA XXXX Phone ( XXXX ) XXXX XXXX XXXX XXXXXXXX Account XXXX Address XXXX XXXX XXXX, PA XXXXXXXX XXXX XXXX XXXX XXXX XXXX Account XXXX Address XXXX XXXX XXXX, XXXX XXXX XXXX, TX XXXX Phone ( XXXX ) XXXXXXXX XXXX XXXX XXXX XXXXXXXX Account Information Address XXXX XXXX, XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX Address XXXX XXXX XXXX XXXXXXXX XXXX  XXXX Phone ( XXXX ) XXXX XXXX XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone ( XXXX ) XXXX XXXX XXXX XXXX Account Information Address XXXX XXXX XXXX XXXX, TX XXXX Phone ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Account Information Address XXXX XXXX XXXXXXXX, PA XXXX Phone ( XXXX ) XXXX XXXX - XXXXXXXX XXXX XXXXXXXX {$0.00} - - -No Data Account Information Address XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Phone ( XXXX ) XXXX XXXX XXXXXXXX {$0.00} - - -No Data Account Information Address XXXXXXXX XXXX XXXX XXXX XXXXXXXX A XXXX, OH XXXX Phone Phone number not available XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Phone ( XXXX ) XXXX
Product: Credit card

I have had several complaints with Chase Bank -specifically my Chase United Airlines Card- and these complaints have not been thoroughly addressed and answered. 

First and foremost, I have been a victim of identity theft, and my credit reports reflect this and as a result, there has been severe damage to my credit report. 

Chase has been nothing short of a nightmare to deal with and they have caused me great XXXX and stress and have been a detriment to my mental health. 

Chase closed my United Card unbeknownst to me and I never received and notification stating that the account would be closed and closed without notifying me. 

In addition, Chase sent me several letters stating they investigated my fraud claims and that I " received benefit '' on the fraud claims that I clearly did not receive benefits on. Therefore I want to know extensively and a detailed report on the " investigation ''. Not to mention, Chase suddenly decreased my credit line without notification either. Chase has caused me to have severe XXXX  and I am unable to sleep and it has affected my work and home life I have had nothing but a terrible experience with Chase Bank and their representatives. They were never helpful and were always quick to be rude and make me feel the lowest I have ever felt in my life. 

I deserve an explanation to my complaints and concerns and I want them to be addressed thoroughly in writing. It is my right as a consumer to have complaints sent to me in writing only. 

Per 15 US Code 1681a ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( I ) report containing information solely as to transactions or experiences between the consumer and the person making the report In addition, I have reported this to the FTC, XXXX CFPB, and Credit Bureaus/Agencies .
Product: Checking or savings account

XXXX $ XXXX XXXX I was suppose to get the money and my bank said it was counterfeit frud check I paid XXXX $ now my bank account is closed and I lost my daughter 's XXXX my paycheck my personal funds and more adding up to XXXX $
Product: Debt collection

On XX/XX/XXXX I contacted National Credit Systems in regards to balance against my credit due I did not receive any notification validating the debt. I don't understand how I could be owing a debt of a place I did not stay and I would not owe a debt to any place I live at due to at the time I had section 8 housing where the housing authority paid 100 % of my rent. There is a difference of filling out an application for a place of residency and actually moving in. Even if you signed a lease but never took legal ownership of the place of residency due to finding another place else where then how could this be a debt that I owe. I have reached out to national credit system due to them not sending validation Statements in which if they did it was sent to the wrong address. Also in XX/XX/XXXX I called and spoke to XXXX rep and advised that they are not able to call me due to the cease letters sent to them and the fact that they are placing a debt on my credit report they are not the original creditor in which they are violating FCRA laws. 
Also on XX/XX/XXXX after I had the 3 bureaus sent a validation letter to national credit system they sent a debt postcard and also they placed an embarrassing stamp on note on a letter they sent. It also included publishing my name on a bad debt list which was not fair without proper validation sent.
Product: Mortgage

For the past couple of years I have tried to make my payment online to Nationstar Mortgage. Their system allows me to separate my payment by regular monthly payment and then additional principal payments. My normal payment principal and interest is {$1700.00}. For several months I was paying {$1900.00} and showing {$200.00} to go toward principal. Those funds were always put into an unapplied account. I called several times to complain and was told each time it would be taken care of. It never was and I had to call every month or every couple of months for them to apply toward principal. I stopped for a few months because it was just a hassle. The past few months I tried to pay additional principal and they put it toward the following months payment. It 's as if they are trying to stop me from paying additional principal. I would like to pay my mortgage down quicker so it is paid in full by the time I am  XXXX . They are prohibiting me from doing it without calling in. This does n't seem right and I do n't know what to do.
Product: Checking or savings account

My husband and I had several fraudulent charges to our account over a 3-day period. On XX/XX/year> there were two fraudulent charges to my debit card and on XXXX there were 5 fraudulent charges to my husbands debit card. We reported all of the charges to Chase immediately and the cards were closed. All charges from my husbands card were reversed and one of the charges from my card was reversed. However, after the banks investigation into the other charge using my card, they denied my claim and took back the temporary reversal they had issued to me. This was a purchase from an online clothing vendor called XXXX XXXX XXXXXXXX in the amount of {$160.00}. The order was made in my name, using my contact information and the items ordered were shipped to my address. The first person we spoke to at the Chase fraud department said this sometimes happens because the person committing the fraud will forget to update the address. I have tried many times to contact this merchant directly in order to try to resolve this with them after the bank denied my claim. I have never received a response from the merchant, so that I can return the items to them for a refund. I still have the package from the merchant ( unopened ). 
I did not receive any written explanation from the bank as to why they denied my claim, so I called and then escalated the claim to the highest level I could. They said the reason they denied my claim is that the merchant had all of the correct contact information for me. However, I have told them repeatedly that this charge was not authorized by myself or anyone in my household. I have never shopped from this merchant and no one in my household would ever purchase the items that were ordered. I also told them that I am concerned about the breach of our personal information potentially coming from Chase, since both mine and my husbands debit card information was obtained and used within a couple of days. 
My account with Chase comes with XXXX liability fraud protection but, even though the Chase manager I spoke to last says she believes this was a fraudulent purchase, they will not do anything else to help me resolve this issue and they have closed my claim.

I filed a police report for this fraudulent charge but Chase says this will not be enough to reopen my case. Im not sure what else I can do.
Product: Debt collection

On today XX/XX/XXXX I received an alert from my credit monitoring system that a collections account was added to my report. When checking I see the credit bureaus has added an account that I was never notified about on my credit report that has now dropped my score. I've never heard of this company at all and know that they do not have the right to add anything to anyone 's credit when they have not sent out a letter to notify me about this debt not giving time to request verification of this debt also not knowing if this company is even bonded in the state of Texas to practice debt collection. This was intentionally placed as a sneak attack and this company should be fined.
Product: Money transfer, virtual currency, or money service

I opened a Cryptocurrency Acct. with Coinbase.com back in XXXX. Since then I have steadily bought Bitcoin, ETC and Cardano. On XX/XX/XXXX I tried to log into my Acct using a strong pass word and 2FA. The codes would not work. Then I got an email from Coinbase that my 2FA had been changed. In the next few minutes I got about 5 emails showing various transactions that I did not do. The total amounts added up to about $ XXXX. That was the amount I had in my Acct. the previous night when I checked. I immediately shut down my acct. changed the PW on my email and the PW on my Coinbase Acct. I got an email from them asking me to take a picture of me holding up my ID and a piece of paper with the words " For Coinbase Verification '' and the date I was doing it. I did all that and even sent them a picture with my Pass Port. Since then I have called Coinbase every day and sent them emails. I get a standard email stating they have passed my case to a " Specialist '' and will " Escalate '' this case. No one ever gets back to me. I'm currently locked out of my Acct. and so dont know if my money is even there. I also called my phone provider to ask them if may be I had been SIM hacked/swaped and they said " No ''. These were funds that we had saved over a four year period. We were going to liquidate the acct. since we were in the process of buying a home this week, and this amount was the down payment. Now we lost our funds and the house we were going to buy. I have kept track of all the emails, about 10 reps that I talked too and all the transactions that I did. I seriously need some help to get my funds back. I got a case # which is XXXX. Thank you.
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency generates a consumer report, it must follow reasonable procedures to ensure the maximum possible accuracy of the information related to the individual to whom the report pertains.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, following a reinvestigation under paragraph ( XXXX ) of any disputed information by a consumer, an item is determined to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must ( i ) promptly delete the disputed item from the consumer 's file, or appropriately modify the information based on the reinvestigation results; and ( ii ) promptly inform the furnisher of the information that the item has been modified or deleted from the consumer 's file. 

Please remove the following items from my credit report immediately : XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

i applied for a car loan and the car lot failed to tell me that i was denied for the loan. Without my authorization the car lot ran my credit to 26 other loan companies. 

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 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

In accordance with fair credit reporting act. The list of accounts below has value my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account names : 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 Has violating my rights. 15 U.S.C 1681! Section 602 A states I have the right to privacy .15 U.S.C 1681605 A section 2 : it also states a consumer report, and she can not furnish 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, 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 report agency if the person knows or has reasonable call to believe that the information is inaccurate
Product: Debt collection

The Phoenix recovery group did not give me informative information on the account that's said I owed debt to. 

I have tried to dispute this with the Phoenix recovery group every chance I get they hang up I have tried calling from numerous different numbers trying to get a resolution. They hang up.

I have never lived at the address that they have on file, I believe someone reported inaccurate information.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding zelle 's 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 finacial institution and zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's 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

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and XXXX is being investigated by the FTC.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been sending dispute letters addressed to the Creit Bureaus for a long time already and I feel that the Credit Bureasu became negligent of their duty and never pai attention to my disputes despite all my extended efforts. The last letter I sent to the Credit Bureaus was on XX/XX/XXXX. Right now, I am submitting this complaint in response to the current evaluation conducted by the Credit Bureaus. I have to pursue my efforts to resolve these matters which require intentness to my personal credit report. I am frustrated and there are errors that are reported on my personal credit report which are not clearly stated as to the accuracy and completeness of the information. At this time, I solely seek the correct remedy to my personal credit report and dispute the remaining information to fix : DEPTEDXXXX XXXXXXXX Balance Owed : {$2300.00} Date Opened : XX/XX/XXXX ; DEPTEDXXXX XXXXXXXX Balance Owed : {$1800.00} Date Opened : XX/XX/XXXX ; and XXXX CO XXXX Balance Owed : {$28000.00} Date Opened : XX/XX/XXXX. I would like the Credit Bureaus to please send me the name and addresses of persons contacted for each ordinance found in the FCRA. If this information can not be equipped to satisfy me, get rid or update the items and maintain the Bureuaus ' help in attempting to resolve the current issue.
Product: Credit reporting or other personal consumer reports

I have been a victim of identity theft. Also the XXXX account that's on my report has been settled in court and has been dismissed. Please remove all unauthorized accounts from my report. In accordance with the Fair Credit Reporting Act, the list of accounts has violated my federally protected consumer rights to privacy and confidentiality under the 15 USC 1681.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion and XXXX are erroneously reporting a bankruptcy on my credit report. I have disputed this several times. XXXX is the only bureau that complied to my request. I have a XXXX reporting allegedly from the U.S. Bankruptcy Court, which is false. In addition, per FCRA Laws 15 U.S.C 1681 section 602 A. States I have the right to privacy.

AND 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions my rights were violated.
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I was a victim of identity theft and this is another request to block or remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts not later than 4 business days after the XX/XX/XXXX. Ive already included this report in my previous letter & I am including it again. Also, the information you provided on some accounts are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. I found that under section 605b ( a ) Experian and XXXX shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt and it requires the following documents and statement to remove the disputed accounts on my file : ( 1 ) Appropriate proof of the identity of the consumer ; ( 2 ) A copy of an identity theft report ; ( 3 ) The identification of such information by the consumer ; and ( 4 ) A statement by the consumer that the information is not information relating to any transaction by the consumer. The dispute items do not belong to me. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) That is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service,
or such other government agency deemed appropriate by the Bureau ; and ( C ) The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) This letter is to notify you if you do not BLOCK OR REMOVE the listed accounts on my report, I will be filing a lawsuit. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 

XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$12000.00}, XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$1900.00}, XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX Date opened : XX/XX/XXXXXXXX  Balance : {$0.00}, and XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$0.00}.
Product: Checking or savings account

XXXX Opened CitiBank Checking Account. 
XX/XX/XXXX Linked the CitiBank Checking Account with XXXX XXXX Checking Account. Both under my name. 
XX/XX/XXXX Transferred {$25000.00} from XXXX XXXX to Citi Checking Account. 
XX/XX/XXXX Received email stating that my debit card will be shipped. 
XX/XX/XXXX Received email stating that my account will be closed. 

Didn't have access to online banking during this time. Called CitiBank customer service, refused to disclose reason of closure. Unable to log in to online account after received debit card. Haven't heard from them and neither received the check containing my already transferred {$25000.00}.
Product: Debt collection

I am at high risk for COVID-19 for health reasons so I can not go to court but I was sent a summary judgement. I believe in justice and the way I am being treated is not justice. The Plaintiff will automatically win because I am following NC Governor XXXX for individuals in the high at risk population and not vaccinated order to not be in large areas for exposure especially at the XXXX courthouse where there have been many COVID-19 outbreaks from their exposures inside and I put side the courthouse. This stronghold and unfairness treatment for me and my well being is suspect at best. I am being set up to fail and not be heard. I do not have a job which is why I am behind on bills. I do not have a residence but live with a friend. I have no possessions. I told the creditors lawyers this but XXXX XXXX  XXXX has made it a mission to harass me and go around the law to win their motions. I need this summary hearing postponed. XXXX XXXX XXXX File no : XXXX XXXX XXXX XXXX A XXXX, NC XXXX