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

While checking my most recent credit report, I noticed unauthorized and fraudulent credit inquiries made by the following companies : Files are attached
Product: Credit card or prepaid card

I disputed a {$29.00} charge of {$30.00} transaction made on from XXXX, b/c after I returned the defective item, the merchant only refunded {$0.00} ( a XXXX ). A person alleging to be from Chase called me in California, where I am a resident, on a RECORDED line asking ME for my name, credit card number or SSN. This was a red flag for FRAUD b/c the law enforcement agencies constantly warn people NOT to give out their confidential info unless you can verify the caller 's identity. The caller refused to identify herself besides a random name and that she was calling from Chase on a RECORDED LINE. I told her that I do not consent to recording the call, that California is a two-party consent state. Chase ignored me and continued to record the call. This happened a couple of times. 

Then I rec 'd a letter from Chase dated XXXX, denying my dispute, alleging that Chase had sent me a letter requesting addt'l info about the dispute. Chase ALWAYS asserts that it sent such a letter in previous disputes ( three ) but i have NEVER rec 'd such a letter. The letter I do always get from Chase is the denial. 

Today, XXXX, I called the number on the denial letter. The recorded voice stated that the call would be recorded and my voice could be used for verification, indicating that Chase illegally STORES customers ' voice which would include confidential, personal identifying info like names, credit card # s, SSNs, DOBs, addresses -- all info used in the billion dollar fraud known as identity theft. Who knows what Chase does with this info? 
After I refused to consent to being recorded, Chase rep XXXX repeated over and over again that the call was being recorded, ignoring my informing her that I do not authorize the recording of my voice or my confidential info. XXXX stated that then Chase would not help me on my account b/c ALL calls to and from Chase are RECORDED. That means Chase intentionally blocks my access to my acct and my ability to resolve disputes, report fraud, etc UNLESS I CONSENT, which is FORCED. All the while, even after I repeated that she should immediately stop recording me as this was against California state law, XXXX continued to record me and then proceeded to disconnect the call. I now have no way to appeal the denial of the dispute. 

I am reporting this to the California State Attorney General 's office and the SEC b/c Chase is the ONLY financial institution that I use that violates state law, FORCES its customers to be recorded or else be turned away from accessing their own financial accounts, and REFUSES to help its customers unless we involuntary consent. Chase can not be allowed to BULLY and FORCE customers into having their privacy violated, their confidential info AND THEIR VOICES recorded and used in unknown and probably nefarious ways for its own monetary gain.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2019 Experian Issues unable to Resolve or Contact anyone. 

For the past 2.5 weeks beginning on XX/XX/2019 I have made multiple attempts. 
Online 7 times and 3 times by phone. Got nowhere but blown off and confused. 
I am attempting to unfreeze my Experian report for 24-48 hours to allow XXXX XXXX XXXX XXXX to complete their ( XXXX XXXX 's ) profile on me so that I can join and open account. Froze Experian " account '' because of their recent breach. Enough already. I go online and am denied access given form letter to print out requesting PIN. 
That was 14 days ago so I go back on Experian site figuring they must have figured this out by now. Was asked online to choose a PIN I choose PIN Experian accepts my choice. And low and behold it does not work error message is " Invalid PIN # ). I go to XXXX XXXX XXXX XXXX with the PIN # asked if they could assist me they tried to enter my PIN in my presence with my permission. Error Message same. I called your agency got phone number for Experian XXXX correct #. Asks ton of ID questions you have to leave voice message and NO ONE calls back. This is nuts it my Credit Report based upon my history. Experian owns the data can I disenroll from Experian or bill Experian for sharing my info. with the world everyone except me?? 
What recourse do I have? Please help me I just want to open a Credit Union Account this is horrible customer service ( actually 0 customer service ) and 100 % big business info. sharing benefiting everyone but me. Experian also said in Robovoice on my 3rd call that its notifying the other 2 reporting bureaus XXXX and XXXX  of fraud and will put a 6 month alert on those also. I didn't ask for that? Then 2 other of my accounts XXXX and 1 financial institution detects this Experian Fraud Alert and contact me telling me to change my User Name and Password because its blocked. Hows that for a kick in the _ _ _. I don't know whether to cry or scream. Please help.
Product: Vehicle loan or lease

Hello, I have reached out several times to bridgecrest to explain I would like to set up arrangements to make payments prior to falling behind and my car being scheduled for repossession due to losing my main income. 

They keep telling me that because I have a hardship Im not eligible to have payments deferred. I set up a payment arrangement for a payment to be made on XX/XX/18. I was told I would not be reported later to the bureaus and I woke up today that my credit score decreased over 30 points for being reported late by bridgecrest. Im frustrated because Ive been asking for months for assistance while still making payments and they told me I cant have payments deferred because of my hardship. Then tell me the payment plan will prevent me from being reported late but they are reporting my payments late while on a payment arrangement. Its so frustrating because Im already highly upside down due to the predatory lending practices bridgecrest/XXXX uses. Now I feel theyre trying to forge me into repossession.
Product: Credit reporting or other personal consumer reports

Heres a letter tailored for your situation with XXXX : [ Your Full Name ] [ Your Address ] [ City, State, ZIP Code ] [ Date ] Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX Re : Complaint Against XXXX  for Failing to Provide a XXXX and Inaccurate Reporting Dear Sir or Madam, I am writing to file a formal complaint against XXXX regarding their failure to provide IRS Form XXXX documentation for an account they claim has been charged off. This failure raises significant concerns about the accuracy of the information being reported to credit bureaus. 

Account Details : Creditor Name : XXXX  Account Balance : {$180.00} Account Open Date : XX/XX/XXXX Continued Reporting : Monthly reporting through XX/XX/XXXX, and still ongoing today. 

I have contacted XXXX requesting a copy of the XXXX form to verify their reporting of this debt as canceled or discharged. However, they have failed to provide the requested documentation or any evidence supporting the continued reporting of this account. 

Moreover, this account has been reported monthly as an active account even after its alleged charge-off date, which further raises concerns about its accuracy. Such reporting may be in violation of the Fair Credit Reporting Act ( FCRA ), as it misrepresents the status of the debt. 

Actions Requested : XXXX. Investigate XXXX failure to provide the requested XXXX form for the account listed above. 
XXXX. Verify whether XXXX properly discharged the debt and issued the required documentation to the IRS. 
XXXX. If XXXX can not provide proper documentation, require them to immediately remove any inaccurate or negative reporting related to this account from my credit report. 
XXXX. Address the issue of XXXX continued reporting of this account as active or delinquent despite the alleged charge-off. 


I respectfully request that the CFPB intervene to ensure that XXXX complies with federal laws, including the FCRA, and that accurate reporting standards are maintained. Please let me know if additional information or documentation is required. 

Thank you for your time and assistance in resolving this matter.
Product: Checking or savings account

We have an account at Truist Bank ending in XXXX. 

The account had fraud which was reported to Truist at the time the fraud was noticed. 

The fraud stemmed from someone stealing the debit card number. 

Truist opened a claim No : XXXX and denied reimbursement of the XXXX.
Product: Debt collection

Bully City Financial Sol ( BCFS ) reported to my credit reports in the month of XX/XX/XXXX on ( XXXX ) and XX/XX/XXXX on ( XXXX ) that I have a past due balance of {$370.00} ( Account Number : XXXX ). I have not received any form of communication written or verbal from BCFS prior to those dates. I informed both companies that the debt shouldn't be reported on my credit report. XXXX and XXXX both inform me that the debt was verified with BCFS. 

I call BCFS on XX/XX/XXXX, to request information on the debt, which was the first time any form of communication with BCFS and me, they inform me it will take 5 to 7 business days to receive my request. I never receive that letter. I call them three different times on XX/XX/XXXX, requesting information. I ask if they can email or fax me the information, but they refuse and told me that they can only mail out documents. 

All four times I call BCFS, they inform me that the call is being recorded. I also mail them a debt validation letter on XX/XX/XXXX. On the evening of XX/XX/XXXX, I email them the debt validation letter with ref. # XXXX in the email to XXXX To add, on the original credit report, from late XX/XX/XXXX, XXXX had it start reporting in XXXX but my recent report shows it start reporting in XX/XX/XXXX which is accurate and inconsistent.
Product: Student loan

So I recently gained access to my credit report on XXXX  ( XX/XX/2019 ) and saw that my federal student loans were cited as being late. 

I gave myfedloan a call and said " this isn't right, I was unemployed after I got out of school, and for the past 6 months I've paid on time every month ''. They told me that they would put my account under forbearance, which you are eligible for if you are unemployed. I said, " that doesn't make sense because I'm working now, and I've been making payment for the past 6 months and wish to continue to do so. '' They told me that it was the only thing that would make my account current, and that since during the period before I started making payments I was unemployed, the forbearance would apply to that period ( the period before XX/XX/2019 ). 

I thought all was well and my status would be reversed on my credit report, but I checked my XXXX and XXXX reports again ( XX/XX/2019 ) and they still suggest that those months of " late or missed payments '' exist on the report. This is very upsetting after having been vindicated by myfedloan. 

The payments I've made over the past 6 months are triple the minimum ( {$150.00} instead of just {$50.00} ). I have never had a problem paying when I can. Myfedloan also just lowered my interest rates by 0.25 % because I signed up for automatic payments ( again, at triple the minimum ). I am not financially irresponsible as these erroneous reports make me out to be!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I contacted Equifax about the following negative accounts XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$16000.00} ), XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$2000.00} ), XXXX XXXX XXXX ( Date Opened XX/XX/XXXX, Balance : {$4000.00} ) XXXX XXXX XXXX  ( Account Number XXXX, Date Opened XXXX XXXX, XXXX, XXXX XXXX {$76.00} ), XXXXXXXX XXXX XXXX  ( Account Number XXXX, Date Opened XX/XX/XXXX, Balance {$0.00} ) .Its been over XXXX XXXX  and Equifax havent respond to my request as they are required to by the Federal Credit Reporting Act.
Product: Money transfer, virtual currency, or money service

I booked a service with XXXX XXXX I XXXX her XXXX she did not do my order and was ignoring me then proceeded to block me on XXXX because she scammed me out my money and because I exposed her for her fraud business she blocked me I reached out to my bank because XXXX is considered person to person my Bank couldnt get the money back she was very rude to me. XXXX XXXX was supposed to do my treats for my baby shower when we both agreed on a date change she never sent me a new invoice I didnt think much of it but I ask her with the XXXX she had could she either a refund me my money 2 make me XXXX worth of products as well as other recommendations to accommodate the both of us per the conversation you can see I was being ignored and the only reason I got her to respond is because I said I requested my money back and didnt want to dispute it she became very rude and disrespectful to me per the messages and I still was responding peacefully to her when I posted it on XXXX I asked how was I wrong or being rude which she became upset because people was explaining to her that she was in fact being rude and didnt have too her response was she responded the way she responded and it what it is then told me I wasnt getting anything and blocked me. Im scared she would have tried to spit in my decoration and just by saying you be in stuff what did that have to do with anything Im not the only person who said the same thing shes very rude and unprofessional
Product: Debt collection

Midland Funding has XXXX judgements that are liens on my clients ' properties. I have short sale contracts for these properties. I need to clear these liens so I can close. However, Midland said that they can not release the liens because of a pending agreement with the CFPB. They refuse to discuss any type of negotiation regarding these liens. In fact, they refuse to discuss the liens at all because of the CFPB. I need help because I need to get these liens cleared so I can close on these transactions. Time is of the essence because the buyers want to close or they are going to back out of the sales. ( The communication problem is that Midland WILL NOT communicate. )
Product: Credit reporting or other personal consumer reports

I sent a communication to AMERICAN EXPRESS, regarding my option to opt out of having my nonpublic personal information shared/reported to any credit bureaus including XXXX, XXXX and XXXX. In regards 15 USC Code 6802, it states that : a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party ( AMERICAN EXPRESS AND THE BUREAUS MENTIONED ABOVE ARE NOT AFFILIATED ) any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. 
( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( They NEVER gave me this information/option ) ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. ( Again, they never gave me that option when the transaction was initially done ). 


*Also see ; 12 CFR Part 1016 Subpart A* They DID NOT give me full disclosure when the transaction initially took place, which is misleading and fraudulent. 
NONPUBLIC PERSONAL INFORMATION MEANS : personally identifiable financial information ( i ) provided by a consumer to a financial institution ; ( ii ) resulting from any transaction with the consumer or any service performed for the consumer ; or ( iii ) otherwise obtained by the financial institution. 

NON AFFILIATED THIRD PARTY MEANS : any entity that is not an affiliate of, or related by common ownership or affiliated by corporate control with, the financial institution, but does not include a joint employee of such institution. 

I am demanding that this information that I choose to no longer have shared with the bureaus, be removed from all of my credit reports immediately. In addition, compensation for their violations of the law and making my life difficult.
Product: Mortgage

I have been misled and denied a fair lending opportunity by Wells Fargo bank for a refinance on my home loan. 

Due to the banks fault as admitted they falsely led me believe that my loan was approved and charged me fees such as application processing fees and appraisals. 

I was finally denied the refinance and after mich argument they relucantly refunded my appraisal but not the application fee. 

All relevand facts are included on banks response
Product: Bank account or service

I called PNC Bank on XXXX XXXX to delete a check which I had entered online, 3 days before it was due to go out. The PNC rep told me it was deleted and the check was pulled from the pile that was going to be mailed thus there was no need for a stop payment process. 

The next day I saw a stop payment charge of {$33.00} in my account. I used online chat to explain what happened and why I should not be charged the {$33.00}. She could only quote the PNC Bank policy on stop payments. I told her what the PNC rep told me the day before but she did n't seem to understand. 

On XXXX XXXX XXXX XXXX from PNC Executive Client Relations reached out to me by email. I told her that the chat rep had all the information on the matter and I had nothing to add. I have not heard back from PNC and they have not reversed the unneeded charge.
Product: Credit card or prepaid card

I made payments on my card 3 days ago and today and they have still not posted by Capital One. When I called and asked why oh, I was not given a good reason and I was told to wait until next Thursday. I don't think it's good business to hold a consumer 's money and do not give them the benefit of using that money
Product: Payday loan, title loan, personal loan, or advance loan

On XX/XX/year>, I received an unsolicited email from a company called XXXX XXXX XXXX XXXX ( operated by Upgrade , INC XXXX upgrade.com ), falsely claiming that I had inquired about loan options through XXXX of their third-party partners such as XXXX or Credit Karma XXXX I have never used these services or applied for any loan. Despite having no prior relationship with this company or their partners, they sent an email stating that I was looking for funds and that I should check my rate for a loan. 

This is a misuse of my personal information, and I believe it constitutes a breach of consumer protection and data privacy regulations. I am concerned about how my information was obtained and used without my consent, and I have not received a satisfactory explanation from the company. The accusations are false and misleading and questionable. I request that this matter be investigated, and appropriate action be taken against XXXX XXXX XXXX Upgrade , INC ).
Product: Mortgage

My mortgage company M & T Bank is currently giving me the run around. I am under the Covid 19 Forbearance program. I have asked on numerous occasions that I have various different options to pay back the forb payments. One of the options is a loan modification. I have asked on numerious times for a loan mod. The mortgage agents have told me I do not qualify, I do not qualify for a hamp mod because I have to have my mortgage with them for one year. Finally I called FHA and they told me that I do qualify for a HAMP MOD and I would qualify for a lower rate. So they gave me a case number XXXX. They told me to call M & T back and speak to a manager. Again I call and I finally thought I was making progress I get transferred to a female who said she was a manager and her name was XXXX she told me that I was right and that they never reached out to FHA to see what rate I would qualify for to get the loan mod. She told me that she would do everything possible to assist me and get with the loss mit team and contact FHA to resolve this matter she told me she would call me back in one week. Well today I get a call from M & T bank asking me if I decided on what options I wanted to do to repay the forb payments, when I asked about the manager calling me back and loan mod hamp she told me she did not see that anyone was scheduled to call me back, Again I am getting the run around. I need to file a law suit or take legal action and I need FHA to get involved ... ..I am not getting the assistance that they promised and I continue to be lied to ... ..and I believe that the agents are claiming to be managers but only pass me over to one of their co-workers which is misrepresenting their company. I want to see what I can do legally for M & T bank giving me the run around
Product: Credit reporting or other personal consumer reports

Dear XXXX XXXX XXXX XXXX, I am demanding the removal of this following charge-off account listed XXXX XXXX XXXX XXXX XXXX ACCOUNT # XXXX OPENED ON XX/XX/year>. Charge-offs are considered as an income according to the IRS. Income can not be reported on my consumer credit report. This considered as an inaccurate account, and this is defamation of character.
Product: Debt collection

My dispute is with Capital One. They charged off my account in 2019 even though I still continued to pay what I could towards the debt. I was never notified and didnt know the account was charged off until I went on their website to make a payment. 

I called Capital One over a month ago in an attempt to settle the outstanding balance so I could get a letter of deletion or XXXX balance letter to improve my credit while I was applying for a mortgage. I was told they would provide that, but only if I paid through XXXX XXXX XXXXXXXX XXXX XXXX. I then called them and paid a settled amount on Friday, XX/XX/XXXX. 

I then called Capital One as I needed a XXXX  balance letter from them as requested by all 3 credit bureaus to update my credit score. They claimed the system hadnt updated even though they received verbal confirmation the debt was paid. I have yet to receive a XXXX  balance letter they promised if the debt was paid after making numerous phone calls.
Product: Credit reporting or other personal consumer reports

Name : XXXX XXXX XXXX XXXX Address XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX Date : XX/XX/XXXX SSO : XXXX Dear Credit Bureau XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am writing to request a detailed description of the investigation process followed by your agency regarding the disputed accounts on my credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 USC 1681| ( 7 ).

Under Section 15 USC 16811 ( 7 ), credit reporting agencies are obligated to provide a description of the investigation within 15 days of receiving a consumer dispute. 

1. [ Name XXXX XXXX Account XXXX XXXX {$56.00} date XX/XX/XXXX, date reporting XX/XX/XXXX. Provide Provide the description of the procedure XXXX XXXX
Product: Mortgage

I had made attempt to make payments over and over again to the website and fails again again. documents will be send.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX Discover closed my account, and on XX/XX/XXXX sent me a cancellation of debt ( 1099C ) in which has been filed with my Federal Taxes. According to my three major credit reporting agencies, Discover is continuing to show a past due balance, as well as marking my account as negative on a monthly basis. I have disputed the information being reported several time, and in all occasions, they state the information is correct. I wish to have my credit reports showing the balances and no longer show negative on a monthly basis.