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

CHASE BANK open a trust account with my social security card without my consent. Manager request for number i did not require to have as a consumer my personal information was used to open a trust account and that is a violation to my right to privacy I want to be held responsible for damages of this case of personal information
Product: Mortgage

can you send me documentation on my mortgage and note originated with XXXX in XX/XX/year>, did and when you took owned and were the holder of the note and mortgage and can you send the MERS identification number? I dont see any filings in XXXX XXXX Florida where the property is located XXXX is this a XXXX or XXXX mortgage?
Product: Debt collection

LightStream continues to call. On multiple occasions they have called while payment is in process or a payment has already been deferred. On every occasion the caller ID is marked potential spam and the caller requests for my SSN without verification. I have reached out to set up a pass phrase, attempted to verify through account number or request other means of verification. This method of contact exposes all customers to the risk of identity theft and better practices should be instituted.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX bank acct XXXX Portfolio Recovery ref XXXX I had a ( secured card ) with XXXX XXXXXXXX that just stop working one day secured for {$250.00} XXXX  XXXX put it on my credit report that I owed {$230.00} I paid XXXX XXXX with a certified check from XXXX XXXX XXXX XXXX that they verified was received by XXXX XXXX on XX/XX/2022 it is XXXX and XXXX XXXX will not verify I paid to the credit bureaus How did I owe if it was secured for {$250.00} I paid and portfolio will not acknowledge payment
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2018, my wife and I filed for bankruptcy Ch-XXXX. I understand that the bankruptcy stays on your credit report for ( 10 ) ten years. ( It should be only ( 7 ) seven years. ) My own opinion. But anyway, our complaint is with the ( 3 ) three Credit Bureaus who is showing our filing of bankruptcy with the notations that saying, " SERIOUS DELINQUENCY AND PUBLIC RECORD OR COLLECTION FILED, PROPORTION OF BALANCES TO CREDIT LIMITS IS TOO HIGH ON BANK REVOLVING OR OTHER REVOLVING ACCOUNTS, TIME SINCE DELINQUENCY IS TOO RECENT OR UNKNOWN, NUMBER ACCOUNTS WITH DELINQUENCY ''. 
ALSO, a high-risk fraud alert was completed saying XXXX and XXXX took place with no explanation.
Product: Credit card or prepaid card

Good Afternoon, As of XX/XX/2022, Ive looked over my recent statements dating back a year and a half ago I was charged numerous amounts of late fees when I initially enrolled into autopay. Now they said that I enrolled into a XXXX  month interest free. When I initially enrolled into a XXXX month plan. I spoke with multiple representatives today and they were not able to resolve my issue or waive any interest/ late fees Ive XXXX. They have a record of me speaking to an XXXX agent overseas on XXXX, requesting autopay enrollment, all late fees waived, and why I am receiving interest fees. I was on hold for XXXX minutes while they resolve the issue and the line disconnected. Ive tried many times to solve the issue but the agents are not very comprehensive! They deflect you from the reality of these random fees. I just want to pay off my initial balance thats all. I spend hours on the phone but again, no resolution. They now opened an investigation regarding the late fees and autopay but not the promotional balance I just now found out about. From my experience. I think theyre going to sweep this under the rug like theyve done with my other complaints. They also, randomly enrolled me into this insurance monthly fee scammed that I was unknowingly paying for each month. They credited it all back on my account amounting to {$740.00}. Theres many scammy things happening that need to be investigated. Thank you. I hope you can help me!
Product: Credit card or prepaid card

Received mail from Target XXXX Card that my credit limit has been decreased from XXXX to XXXX due to low Credit score of XXXX which Target claimed they received from XXXX. I have the copy of the letter from Target. It was a unusually low score especially compared to XXXX XXXX XXXX XXXX I use and it got me worried that my credit file might have potentially been compromised. I have contacted XXXX and they informed me that I did not have such a low score since XXXX when I started building my credit. I called Target and today at XXXX and outside of general rudeness disinterest and disregard, I had to endure 6 transfers between departments and finally had to yell my way to close this account which I held since XXXX. I checked with the XXXX and Target did not pull my credit report on XX/XX/XXXX as per claim in their mail nor was my score that low in none of the credit score versions. In their shady letter they also write : Please do not contact XXXX about reasons marked Our Records above. But it was way to worrisome of a letter not to contact the agency and I am sure glad I did. Sending this mail and faking a credit score has caused a tremendous anxiety stress and inconvenience as well as A bitter feud with my husband who was a secondary credit card holder and whom I wrongfully accused of doing something to case my credit to drop almost 100 points. Most shameful and dishonest treatment of a customer for 12 years.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, Bills Of Exchange Act, Federal Reserve Act, 18 usc 241/242, Truth & Lending Act, CDCA, HJR -192, ECOA ( Equal Credit Opportunity Act ). The list of accounts from all 3 credit BUREAUS, reported on XX/XX/XXXX, below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681, Federal Reserve Act ( Section 16 part 2 ), and Bill of exchange Act, Metro2 compliance, Regulation V, and GAAP. They also knowingly and willingly conspired to deprive me of human rights under color of law title 18 usc 241/242, while committing securities fraud. FACT : 15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to any consumer reporting agency if the person knows or has reasonable cause to believe that information is inaccurate. There are inaccuracies and discrepancies in the PAYMENT HISTORY, ACCOUNT NAME, OPEN/CLOSED ACCT, ACCOUNT TYPE & ACCOUNT #. THESE INACCURACIES ARE CAUSING HARM/INJURY TO MY WELL BEING, PLEASE DELETE FROM ALL CREDIT REPORTS IMMEDIATELY. 

XXXX has already verified and deleted all accounts from credit report, but XXXX and Experian are still reporting accounts. Attachments show that XXXX has deleted the account via disputes CFPB.gov. ( Submitted on XX/XX/XXXX, complaint # : XXXX ) LIst of Accounts deleted via XXXX Acct XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXX XXXX XXXX account is currently reporting open : XXXX XXXX XXXX  and balance of {$2300.00}. 

This account has been paid in full and closed as of XXXX the account has a XXXX BALANCE
Product: Debt collection

Debt collector sent an unsolicited text message to a shared, non-private phone number owned by my mother, and publicly registered in her name. This text message contained my full name, address, stated that they were a debt collection agency and were collecting a debt, and provided details on my debt including private health information/clinic information. The debt collector did not do anything to encrypt the message or confirm that they had the right person before providing this information and so they provided this information to a family member.
Product: Debt collection

On XX/XX/year> and XX/XX/year> I made 2 separate transactions to purchase gas at 2 different XXXX gas stations. This was the first time I had used their advertised app to pay via my checking account and save money on the gas. I was notified on XX/XX/year> that the transactions did not go through on my bank. An unexpected charge went through on my bank account bringing it below the amount needed to cover these 2 transactions. On XX/XX/year> at approximately XXXX PST I replenished the funds in this account and called the company CHECKredi that manages returned payments for the XXXX XXXX Direct Pay app. They advised that I was being charged 2 separate {$35.00} fees for these returned payments even though this was the first time this happened and I explained the funds were made available in my account this morning. They refused to waive these fees and refused to provide any type of user agreement describing these fees as I was not made aware of these potential fees when I signed up for the app and this is predatory. Whats worse is each gas charge was for less than these {$35.00} fees. I can not afford this and they are telling me this will go to a collection agency and negatively impact my credit if I dont pay right away. Please help.
Product: Debt collection

The company calls me asking for the name of a person that has never lived in my home. I tell them no such person lives here and they say they will takethe name off the list.The calls stop for a few months and resume again. This has been going on for over 2 years. Now the company is sending mail under this persons name to my address and calling me everyday.No matter what I say, the calls continue
Product: Credit reporting or other personal consumer reports

On XX/XX/3022 and again on XX/XX/2023. I disputed collection accounts showing as open on my credit reports. These agencies did not have my written consent nor any sort of contract signed by me thus making them invalid. 
The credit agencies did not solve my disputes, instead they said results came back as verified and valid. 
How can that be when there is not an original contract with these collection agencies. This inaccurate information is hurting my credit, I would like to report the credit agencies for violating my rights as a consumer and protecting these agencies by allowing them to post inaccurate nonexistent accounts on my name. 
Thank you.
Product: Debt collection

The Collection company sent a letter for a collection that is repeated on my credit report twice ( this collection company is not listed ) and they are in violation of the law and my right. The collection is stated as a collection and another account twice on my report! I requested a debt verification along with the following : 1 ) An explanation of what this alleged account balance is for.

2 ) A complete Audit Trail calculation of this balance, including the complete payment history on this account, so I have proof that the amount is correct. 
3 ) Documentation that shows I agreed to pay this debt with my signature and documentation shows I gave you permission to have my information and paperwork showing I gave you authorization to report this to my credit report. No consent to you having my information and unauthorized use of my social security number is identity theft and you will be reported for such. 
4 ) The Agreement that grants you authority to collect on this alleged debt. 
5 ) A copy of your state license, including license number that give you rights to collect in my state. 
6. ( The purchase agreement ) 7. ( Swear under penalty of perjury you were present during the alleged debt ) 8. ( Demand You provide Chain of Custody for account to ensure the financing and hand to hand transfers is correct ) 9. ( Master Bill Of Sale ) ****** - Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act. 

Also have committed the following FDCPA Violations : 15 U.S. Code? 1692d-Harassment and abuse A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. ( 1 ) The use or threat of violence or other criminal means to harm the physical person, reputation, or property of any person. You are harming my reputation which is a violation. 
15 U.S. Code 1692j - Furnishing certain deceptive forms ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. I am not participating in the collection of this alleged debt. 

Under 15 U.S. Code 1692k - Civil liability I Demand XXXX dollars for each violation as you have caused severe damage To my character. ( a ) Amount of damages except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) any actual damage sustained by such person as a result of such failure ; ( 2 ) ( A ) in the case of any action by an individual, such additional damages as the court may allow, but not exceeding {$1000.00}.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Transunion for failing to correct inaccurate information regarding late payments reported on my credit report for account XXXX. 
Despite several requests for correction ( letters dated XXXX XXXX  ) and ( XXXX ), my requests have been ignored, violating both the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ).

1. FCRA Violations : According to 15 U.S. Code 1666b, creditors are required to send periodic statements at least 21 days before the payment due date. The inaccurate late payment reporting on my account suggests a failure to comply with this requirement. Additionally, 15 U.S. Code 1681i mandates that credit reporting agencies ensure the accuracy of information in consumer files, which has not been upheld in my case.

2. TILA Violations : The Truth in Lending Act emphasizes the necessity for accurate and timely disclosures to consumers. The inaccurate reporting of late payments has caused undue harm to my creditworthiness.

3. Protection Against Non-Payment of Obligations Act ( PAANL ) : This act reinforces the responsibility of creditors to provide timely statements, preventing unfair penalties to consumers. 
I am formally requesting that the inaccurate late payment notation be removed from my credit report immediately. 
If this issue is not resolved promptly, I will escalate my complaint further, including potential legal action and filing additional complaints with relevant agencies.
Product: Credit reporting or other personal consumer reports

Subject : URGENT DISPUTE FCRA VIOLATION REGARDING REINSERTION OF FRAUDULENT JPMCB ACCOUNT Dear Experian, I am writing to formally dispute the reinsertion of an account that was previously BLOCKED from my credit report due to identity theft. This is a direct violation of the Fair Credit Reporting Act ( FCRA ) Section 605B and Section 611 ( a ) ( 5 ) ( B ).

The fraudulent account details are as follows : Creditor Name : XXXX XXXX Balance : {$12000.00} Credit Limit : {$11000.00} Status : Closed Under FCRA Section 605B, once an account has been blocked due to identity theft, a credit reporting agency is legally prohibited from reintroducing it unless the furnisher certifies the information as accurate. If the account was reinserted, Experian was required by law to notify me within five business days of the reinsertion, per FCRA Section 611 ( a ) ( 5 ) ( B ). I have not received any such notification. 

Formal Demands for Immediate Resolution : 1. Immediate Removal of the Fraudulent XXXX  Account This account must be deleted from my credit report and remain blocked in compliance with FCRA Section 605B.

2. Provide Reinsertion Documentation If Experian claims this account was properly reinserted, I demand a copy of the certification from XXXX verifying the accounts accuracy, as required under FCRA Section 611 ( a ) ( 5 ) ( B ). 

XXXX. Written Confirmation of Compliance I require a written statement confirming the removal of this account and assurance that it will not be re-reported. 

Should you fail to remove this fraudulent account and comply with federal law, I am prepared to escalate this matter by filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my states Attorney Generals office. 

This dispute is being submitted via certified mail to document my attempt to resolve this issue in good faith. I expect a written response within the XXXX timeframe mandated by the FCRA. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

These XXXX accounts on report needs to be erased from my file. I attached & provided an ftc report previously showing proof that the accounts werent mines. I would like for my case to be reviewed again & to delete all fraudulent accounts from my report .The public records with the different numbers needs to be removed as well. Those numbers doesnt belongs to me.
Product: Credit card

My identity was stolen- my car was broken into and my wallet that contain my ssn and id was stolen. almost a year later two credit cards was open and started being reported as charge off to CRA. The original creditors are Comenity bank. I disputed the account with the original creditor and the CRAs multiple time. I made them aware that this account was open with out my consent and I provided the identity theft report filed with the FTC. Both accounts are being reported as charge account and one account was sold to XXXX XXXX XXXX and now being reported as a collection. I file a dispute requesting validation and did not receive any proof that the account was mine. The name and address on the account is incorrect.
Product: Checking or savings account

Over the last 6 months, my Regions business debit card has been compromised about 5 times and 3 out of 5 times, it was without me activating it which appears to be an inside job or the data system is being hacked. The first time I noticed was XX/XX/year> when I could not use my card and when I called the bank to dispute the charge, they told me it was not disputable because the card was not even activated yet or words to that effect. The most recent compromise was XX/XX/year>XXXX  and I just received this card not too long ago. There is something fishy going on and my card should not have been compromised before its even activated. The bank accused me of giving out my PIN number which is ridiculous.
Product: Mortgage

On XX/XX/XXXX, I closed on a home, in PA, with my husband. Our mortgage lender was Reliant home funding and XXXX XXXX was our loan originator. We emailed and questioned him, on XX/XX/XXXX regarding our mortgage interest rate and closing which did not match the rates advertised, on their company website. Our proper interest rate factoring our credit scores, as per their website should have been 5.5 %. XXXX XXXX advised us to disregard their websites and only 20 % down is considered acceptable to get that lower interest rate although this was not mentioned on their website. We also paid over {$4900.00} for mortgage points which was not applied explicitly. 
Furthermore, our original signature closing Promissory note document was lost by XXXX XXXXXXXX XXXX on XX/XX/XXXX. On XX/XX/XXXX, I inquired about the lost closing Promissory note document, over the phone, at about XXXX, with XXXX XXXX who then violently slammed the phone, on me for daring to ask about the lost closing document. I saw a return call from him at XXXX which i declined to answer after the phone slamming. On XX/XX/XXXX, I called the Reliant Home funding office, to complain about XXXX 's home closing evasion and rudeness. The supervisor named XXXX on XX/XX/XXXX also refused to take my complaints, on the lost closing documents and XXXXXXXX XXXX behavior and told me to get a " lawyer to get his email ''. XXXX XXXX did send me a photo copy of the closing document not a color photo original. I feel these deceptive practices on the closing and interest rate are motivated by my racial alignment and gender. Our mortgage debt was of course sold to ( XXXX XXXX ) to hide facts although it is their right to sell.
Product: Money transfer, virtual currency, or money service

This is pursuant to complaint XXXX which should not have been closed. In that complaint I articulated that on XX/XX/year> I instructed Paypal to transfer {$1500.00} from my Paypal balance to my personal checking account at XXXXXXXX XXXX  That money never arrived and I'm attempting to locate it. 

Yesterday I received a response from a gentleman named XXXX from Paypal. We discussed that Paypal would first attempt to reverse the transfer and was told that might take up to XXXX XXXX. We then discussed what other steps we might take were that to be unsuccessful, including coordinating between Paypal and my bank such that we could all be on the same page without my being caught between XXXX different parties, each insisting it's not their problem. 

I need Paypal to work with me on this and please not close it until we've achieved resolution. Based on my own digging I have learned that Paypal has at times added digits to routing and account numbers causing exactly this problem. To that end I need Paypal to provide me with the exact and full routing number and account number they sent the money to so that I can verify them. 

And I further request that this case not be closed until the money has been located and returned to XXXX or the other of my accounts.
Product: Money transfer, virtual currency, or money service

I am filing a complaint again cash app block inc due too inadequate customer service and unfair practices which violate the consumer financial protection act cash app failed to take timely and effective measures to prevent and address fraud on there platform leaving my account vulnerable and unprotected. There dispute resolution process was unfair and deceptive as they did not comply with error resolution requirements under ( EFTA ) and regulation E. These actions have caused an inconvenience and financial loss. And I seek appropriate redress these violations
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account number XXXX, XXXX XXXX XXXX Account number XXXX has violated my rights. 

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
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX- Account Current Balance : $ XXXXAccount 's Date Opened : XXXX XXXX Account Current Balance : -- -- {$140.00} Account 's Date Opened : -- -- XX/XX/XXXXXXXX XXXX XXXX XXXX- Account Current Balance : {$350.00} {$350.00} $ XXXXAccount 's Date Opened : XXXX XXXX XXXX XXXX XXXX XXXX-Account Current Balance : {$130.00} {$130.00} $ XXXX Account 's Date Opened : XX/XX/XXXXXXXX XXXX XXXX I HAVE SENT FTC REPORTS/POLICE REPORT AND HAVE WROTE LETTERS AND SENT THEM VIA MAIL for investigation! Also I have placed a freeze on my credit report until the investigation is over.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I filed a bankruptcy. On XX/XX/XXXX a fraud security alert had been added to my credit report without my knowledge. All I show on the credit report is the number security ID number, it is XXXX. It does n't show the name Of The security company. It may belong to XXXX. It reads Alerts & Validations. The spelling of my names before this last name change made by me with Probate Court. My last employer EIN number is XXXX XXXX XXXX XXXX. The last tax return I filed was in XX/XX/XXXX. It was an annuity, I had no income, everything was being taken from me. I filed {$19000.00} taxable income was {$9400.00}, exemption amount {$4000.00}, tenative tax {$950.00}. Tax withheld {$2700.00}.