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

My financial institution, Chime, is refusing to dispute, stop payment on transfers, or to reclaim my lost funds from this rental scam. {$2600.00} ( Chime ) {$200.00} ( XXXX XXXX ). 
Individual ( XXXX XXXX XXXX was listing XXXXXXXX XXXX XXXXXXXX XXXX, XXXX, NC XXXX as $ XXXX rental via XXXXXXXX XXXX on XX/XX/2023. 
XXXX XXXX asked me to provide name/number and her husband would return my call. Husband and I spoke on XX/XX/XXXX and XX/XX/2023 on his telephone XXXX XXXX. He stated the property was his mother 's ( who recently passed away ). He stated the property was listed for sale, but he would rather rent. He asked me if I was a XXXX, and asked if we would take care of the home as it was very dear to him as it was his mother 's. Husband asked about my family and pets. He sent me a rental application, which I completed and I sent {$200.00} application fee via XXXX XXXX. Received call from XXXX and email from XXXX and XXXX with approval and lease agreement. Sent security deposit of {$1300.00} via Chime and was asked to send additional separate payments of {$1000.00} and {$300.00} for 1st months rent viaChime, which I did. I looked at the approval and lease agreements and the landlord 's name listed was XXXX XXXX, which is different from the individual I spoke with on the telephone. I called XXXX and was instructed the property was not for rent, only for purchase. I called the husband back and he stated XXXX was listing the property for sale as well and he was going to call them immediately to resolve and he hung up on me. I called my local police department and filed a report ( XXXX ), XXXX, and my bank ( Dispute XXXX ). I'm also reporting to FBI Internet Crimes Unit. I called the husband back at XXXX and the numbers has been disconnected. These individuals ( XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX ) are also listing other properties on XXXX and I've taken screen shots, if needed. I have sent {$2800.00} and now my family is homeless as of XX/XX/2023.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying computer science, helped me out by finding a way to check if my XXXX  emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.
Product: Credit reporting or other personal consumer reports

I am in disagreement with the account listed below which still appears on my credit report, even after your investigation. 

I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score. 

ACCOUNT NAME : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

On XX/XX/21 i made on online payment to mod island mortgage with an account set up with prior payments cleared. Mid island has acted as a predatory lendor by adding false charges and destroying my credit rating. 
The company has been contacted with their online chat and I was told they are allowed to do it? The account was current and in good standing. 
MID ISLAND MORTGAGE CORP ARE CRIMINALS. THEY ARE THEXX/XX/XXXX OF THE XXXX XXXX STOCK BOILER ROOMS.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX and Transunion credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX  XXXX XXXX Balance : {$240.00} XXXX  XXXX Balance : {$1600.00}
Product: Debt collection

Company keeps calling after I have asked them not to call my number. If they need to contact whoever it is they are looking for they need to use the address on record. I keep blocking their number but then they call from another.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX This belonged to a ex spouse and the wont delete. 

XXXX XXXX XXXX XXXX This company continues to abuse the system. The accounts on my credit with them arent mine and they constantly keep refreshing things on my credit. 

XXXX XXXX XXXX This company continues to abuse the system. The accounts on my credit with them arent mine and they constantly keep refreshing things on my credit.
Product: Credit reporting or other personal consumer reports

Navient reported late payments on my student loan between XX/XX/XXXXXXXX  and XX/XX/XXXX. This, of course, was right in the middle of the Department of Educations student loan payment pause which began in XX/XX/XXXX. Consequently, I could not have been 90 and then 120 days late with paymentsnot to mention the fact that loan servicers were not supposed to make negative credit reports at this time, either. 

XXXX is the only credit agency reporting this. When I contacted them, they said I would need to contact Navient directly as they are the only ones who can report a correction. I sent a letter ( as per their website ) and have received no acknowledgement.
Product: Money transfer, virtual currency, or money service

Hi, I try to send {$400.00} in my account from XXXX, in that day I cancelled the transaction and they asking me for a refund, I gave them all my account details, after that they send me an email we paid you refund in XX/XX/XXXX you have the money 10 working days ... ..of course I don't have the money.. yesterday I call them and ask them what happened with my money, they told me money should be in you account, and asking me for my bank statement from XX/XX/XXXX until XX/XX/XXXX to check me if I have the money ... .and after that they told me ohhhh your money should be in that XXXX  bank account... there is know way ... because that account is not a USD account is XXXX  XXXX account ... I can't reserve in there only XXXX  money ... ..I tell them if you said that ..where is the fee which I have to pay for the refund because is considering international tranzaction ... after I told than that they don't answer anymore... Thanks XXXX XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Formal Dispute Request for Investigation and Correction of Late Payment Reporting on XXXX XXXX  Account Dear CFPB, I am writing to formally dispute the reporting of late payments on my credit report for the XXXX XXXX  account with account number XXXX. After reviewing my credit report again, I noticed that despite my initial dispute filed on XX/XX/XXXX, no corrections have been made. I am disappointed to find that the discrepancies still persist, and I am seeking resolution as outlined under the Fair Credit Reporting Act ( FCRA ).

Summary of Errors : Inaccurate Late Payment : The account is incorrectly reporting a 30-day late payment for XX/XX/XXXX, which does not align with my payment records. 
Discrepancies XXXX XXXX : The reported details for the same account vary across XXXX, Experian, and XXXX, including differences in dates of last activity, dates reported, and account descriptions. 
Failure to Correct Errors : Despite the first dispute on XX/XX/XXXX, no action has been taken to address or rectify these inaccuracies.

Violation of Payment History Accuracy : My records indicate that all payments were made on time, and this error has negatively impacted my creditworthiness.

Reason for Dispute : The account in question is inaccurately reporting a 30-day late payment in XX/XX/XXXX, as noted in my credit report. However, according to my records, all payments were made on time for the entirety of the loan term. This reporting is erroneous and damaging to my credit profile.

Violation of the FCRA : As stated under 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ), consumer reports must only include accurate and verifiable information. Furthermore, under 15 USC 1666 ( b ), creditors are required to mail periodic statements to consumers no later than 21 days before the payment due date. Failure to correct this error and provide verifiable proof constitutes a violation of these obligations.

Request for Action : Correction of the Reporting : Update the account status to reflect Paid As Agreed Never Late.

Investigation Procedures : Provide a detailed description of the investigation process followed by your agency as required under 15 USC 1681i ( 7 ).

Documentation : If the reported late payment can not be corrected, provide documented evidence of the claimed late payment, including dates, amounts, and communication records.

This is my second dispute regarding this matter. No action was taken after my initial complaint was filed on XX/XX/XXXX. The lack of correction and response is deeply concerning and unacceptable. I kindly urge you to take immediate action to investigate and correct this error, or provide documentation supporting the validity of the reporting. 
Under the FCRA, you are obligated to respond within 30 days of receiving this dispute. Please address this matter promptly and provide written confirmation of the steps taken to resolve this issue. 
Thank you for your attention to this matter. I look forward to your response and resolution. 
Sincerely, XXXX XXXX XXXX
Product: Debt collection

Debt is not mine was a victim of Identity fraud they say I owe {$620.00}. 
I have no clue of this transaction.
Product: Payday loan, title loan, personal loan, or advance loan

Consumer Financial Protection Bureau XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Re : Complaint Against TMX Finance XXXX XXXX XXXX XXXX XXXX InstaLoan Dear Sir/Madam, I am writing to file a formal complaint against TMX Finance XXXX XXXX, XXXX XXXX InstaLoan XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX, for what I believe to be a violation of my consumer rights under the Equal Credit Opportunity Act ( ECOA ) and the Fair Credit Reporting Act ( FCRA ). 

On XX/XX/2023, I applied for credit with InstaLoan. I received a notice of action taken, indicating that my application was denied due to the company 's inability to confirm that I am not a XXXX covered borrower. The stated reasons were either a system outage, an issue with the application, or a credit freeze. 

I believe this denial is unwarranted and constitutes a violation of my rights for the following reasons : 1. **Equal Credit Opportunity Act ( ECOA ) Violation** : The ECOA prohibits discrimination against credit applicants on the basis of race, color, religion, national origin, sex, marital status, age, or because an applicant receives income from a public assistance program. The inability to confirm my status as a XXXX XXXX  borrower should not be grounds for credit denial if it was due to a system error or technical issue on the part of the creditor. This denial may indicate discriminatory practices or negligence in processing my application. 

2. **Fair Credit Reporting Act ( FCRA ) Violation** : The FCRA requires that credit reporting agencies ensure the accuracy and privacy of information included in consumer reports. If the denial was based on a credit freeze or inaccurate information, InstaLoan may have failed to uphold the accuracy and privacy standards mandated by the FCRA.

I request that the CFPB investigate this matter to ensure that InstaLoan complies with the XXXX and FCRA and that my consumer rights are protected. Please find attached the notice of action taken and any other relevant documents supporting my complaint. 

Thank you for your attention to this matter. I look forward to your prompt response and resolution. 

Sincerely, XXXX XXXX
Product: Credit reporting

XXXX credit card on my report is not mine. The account is my ex-husband 's and I had no legal responsibility to this credit card. He has paid the credit card with a agreed upon settlement amount however this card is showing on my credit report. I have made several unsuccessful attempts to resolve this, XXXX has repeatedly told me that I am not responsible but wo n't provide me with a letter or promise to remove the negative info. They state that they are not trying to collect the debt from me and it is a closed matter, however it is reflecting negatively on my report. Please help me resolve this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion CreditBureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the fair credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX ) XXXXDate Opened:XXXX XXXX XXXX XXXX ( OriginalCreditor : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX ) XXXX Date Opened:XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am appalled by the ability of the Credit Reporting Agencies to keep ignoring a consumer 's request for the correction of the disputed accounts on my Credit Report. Under the FCRA section 609 and 611, the Credit Bureaus are required to verify the information and status of the accounts being reported on my Credit Report. But in my case, the Credit Bureaus have kept reporting the disputed accounts claiming that the information they present is accurate, in which I greatly disagree. I am submitting this complaint to you today to request that the Credit Bureaus provide me copies of documents bearing my signature to verify the status of the disputed accounts. If the Credit Bureaus failed to comply with the condition and continuer the reporting of the disputed accounts, please understand I will seek legal action. I need the following accounts corrected as soon possible : XXXX XXXX XXXX Balance Owed : {$1.00}, XXXXDate Opened : XX/XX/XXXX XXXX XXXX  XXXX Balance Owed : {$0.00} Date Opened : XX/XX/XXXX
Product: Mortgage

During late XXXX knee COVID related business reduction hit me pretty hard in my small XXXX XXXX. Along with additionally the XXXX as an electric company has mandated outages took a pig financial stress on my XXXX XXXX Additionally my wife of 13 years left XXXX has caused significant damage through excessive litigation that has caused me well over {$100000.00}. 
in late XXXX he was attempting to bring it out a forbearance which was the advice of my first family law attorney. But at the time I started forbearance it was sold from XXXX  XXXX XXXX to Mr. Cooper. 
I've has significant problems with Mr. Cooper from the beginning. I felt again for forbearance in XXXXXXXX XXXX XXXXXXXX. They have stalled for 9 months and I blame all along their intent is to force foreclosure because of the significant estimated equity in the home which has well over {$300000.00}. Even though I am not in foreclosure they have rejected payments and sent them back to me. I have attempted a loan modification during this whole time. And initially they accepted the modification and were sending the documents to sign. Every month from XX/XX/XXXX through XX/XX/XXXX, they kept publishing a letter re-stating I would have the documents to sign to execute the modification.. Then the loan officer lost all the trust and deed documents they additionally required. Then they changed and required me to take the home out of the trust that I had the home, even on XXXX told me it was fine and I had all the documents showing that I had all documentation to make all the legal decisions related to selling or refinancing the home... 
I spent the last 5 months submitting all the documents they required and then always them rejecting a document but never telling me why. These including mighty pay stubs now when a log on today I find again for the second time that the loan modification process is nowhere to be seen.
Product: Credit reporting or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal to comply with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they fail to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of and delete these immediately. 
XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX/2023 XXXX XXXX  XXXX2023 XXXX XXXXXXXX/2023 XXXX XXXX XXXX/2023
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM VICTIM OF IDENTITY THEFT, THERE ARE UNAUTHORIZED INQUIRES ON MY CREDIT REPORT
Product: Mortgage

Citibank took over my mortgage from XXXX XXXX XXXX on XX/XX/XXXX Title Document Plymouth Registry of Deeds. Document # XXXX. 
Loan # XXXX Amount {$100000.00} 15 year Fixed Citibank sold the mortgage to XXXX XXXX in XXXX Loan # XXXX Mortgage balance with XXXX XXXX is under {$25000.00} While applying fro a home Equity loan recently, I was made aware that Citibank never release the lien on my property when they transferred to mortgage to XXXX XXXX I have made several calls to Citi bank. I have emailed lean.release@citi.com and gotten no help or response The folks at XXXX XXXX, even though they should have caught this, just refer me back to Citibank. 

Meanwhile I can not do my home improvements and the rates are going up. My HELOC has been approved, but I can not move forward until this lien is released. 

I have my hands tied by a bank no longer in this business. 

PLEASE HELP! 

XXXX XXXX XXXX XXXX XXXX. 
XXXX, MA. XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX Account # XXXX I am writing to formally dispute the inaccurate and unauthorized reporting of the XXXX  account ( # XXXX ) on my Equifax credit report. This account does not appear on my reports from other credit bureaus, and it has been reported as sold to collections without my consent. This action violates my right to privacy and other applicable laws. I demand the immediate removal of this account from my credit report and seek compensation for the damages caused by this unauthorized and inaccurate reporting. 

Issues Identified XXXX. Inconsistent Reporting : The XXXX account is only reported on my Equifax credit report and does not appear on my XXXX or XXXX reports. 
XXXX. Unauthorized Sale to Collections : The account has been sold to collections without my consent. This unauthorized action is a violation of my privacy rights and should reflect a paid in full status rather than a negative entry. 

Violations and Impact The presence of the XXXX account on only one credit report and the unauthorized sale to collections indicate a significant issue in the accuracy and handling of my personal information. The sale of my account to collections without my consent violates my right to privacy and potentially other laws, leading to unnecessary stress and damage to my credit profile. 

Applicable Laws and Regulations 1. 15 USC 1681e ( b ) - Accuracy of Report : Credit reporting agencies must follow reasonable procedures to ensure maximum possible accuracy of the information concerning the individual. The discrepancy in reporting across different bureaus violates this requirement. 
2. 15 USC 1681i ( a ) ( 1 ) ( A ) - Reinvestigation of Disputed Information : Mandates that consumer reporting agencies must conduct a reasonable reinvestigation when a consumer disputes the accuracy of information.

3. 15 USC 1681i ( a ) ( 5 ) - Treatment of Inaccurate or Unverifiable Information : Requires that if disputed information is found to be inaccurate or unverifiable during a reinvestigation, it must be promptly deleted or modified.

4. 15 USC 1681s-2 ( a ) ( 1 ) ( A ) - Responsibilities of Furnishers of Information : Prohibits furnishers from providing information to a consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate. 
XXXX. Right to Privacy : The unauthorized sale of my account to collections without my consent constitutes a breach of my privacy rights, which involves disclosing sensitive information to third parties without proper authorization.
Product: Checking or savings account

Deposit {$3000.00} but atm only showed {$600.00} so I hit cancel to return my money but it only gave me {$1000.00} and kept the other {$2000.00}
Product: Checking or savings account

In XX/XX/year>, I reported approximately {$380.00} in fraudulent transactions made to my XXXX XXXX account. Payfare stated that the transactions were not eligible for fraud protection, since my PIN was used for the transactions ; however, I never shared my PIN with anyone and at least one transaction was not a PIN transaction.
Product: Credit reporting or other personal consumer reports

Under 15 U.S. Code 1692e.False or misleading representations- ( XXXX ) you failed to note that these items were in dispute within 30 days now this account is in violation. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX XXXX XXXX XXXX XXXX Balance Owed : {$770.00} XXXX XXXX  XXXX Balance Owed : {$4700.00} XXXX XXXX  XXXX Balance Owed : {$440.00} XXXX XXXX XXXX Balance Owed : {$330.00}
Product: Credit card or prepaid card

I received in the USPS mail a US Bank reliacard without requesting it. I have not filed unemployment or for any other government benefit. I didn't know what the card was for, I thought it may be for some refund purchase sometime in the past. I have received these types of Debit cards in the past, so didn't really think it was a big deal. Therefore, I registered the card using the US Bank Reliacard website. The amount on the account stated {$0.00}. On XX/XX/2020 I called the company and spoke to a representative. He said that he would close the account and recommended I report the fraud to the U.S. Government. The website registration asked for my name, last 4 of SSN, date of birth, address, and phone number.