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

XXXX XXXX is showing charge off but is showing a balance. This is clearly an error and violation of the FRCA and so should be deleted. 

XXXX XXXX : I have sent letters ( see attached ) to validate this debt ( see attached letter ( s ). They have not responded or they replied with frivolous information that did not address the required information. 

XXXX XXXX, XXXX XXXX XXXX and XXXX  XXXX XXXX : I have disputed this item with the credit bureau, they have never provided proof or method of verification.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXXXXXX, 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under USC 1681. the late payment information is incorrect and is causing hardship Account type : credit card Account name : XXXX  XXXX XXXX XXXX  XXXX : XXXX  XXXX XXXX XXXX XXXX XXXX Account type : Credit Card Account name : XXXX XXXX XXXX  XXXX XXXX Account number : account ending XXXX. Has Violated my rights. and this Company wouldn't accept or post my payments.

15 U.S.C. 1681 SECTION 602A States I have a right to privacy 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.

15 U.S.C. 1681c ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of Information
,

Any other Adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer Reporting Agency if the person knows or has reasonable cause to believe that the information is inaccurate. These inaccuracies are stopping me from getting new credit cards, financing an Auto and purchasing a home.
Product: Checking or savings account

I regretfully let someone scam me due to being a desperate single mother Looking for a job on XXXX. I was contacted via text message on Friday XX/XX/XXXX at XXXX XXXX  XXXX by XXXX XXXX about XXXX XXXX XXXX XXXX call center Job and to reach out to the HR manager Download an app to open a link to it so I can text this man. In the process of us texting From XXXX XXXX he tells me he will send me a check in the amount of XXXX to deposit via mobile banking for different softwares I will need for the job. Once the money was available I was told to send to Different vendors which now I see was just different accounts that he /they possibly has. The checks returned luckily I couldnt send any more money out & the money was still in my account when Both checks returned which made me go into a XXXX XXXX. Ive tried everything with my banks but since I deposited & sent the money out Its my fault.So I take it as lesson learn in life.
Product: Credit reporting or other personal consumer reports

I was a tenant at an XXXX  XXXX  called XXXX XXXX in XXXX NC back in XXXX it was around the time COVID was extremely high and I was in crisis. I couldn't afford my rent nor my utilities due to not being able to get a job and previous homelessness. I then found out about rental assistance program called RAMP where I applied to get assistance. I end up getting approved and completed all the steps to get assistance for my struggles. After I had to leave the apartment in XXXX, XXXX  I thought everything would be took care of and I would be able to move forward in peace. Years ago by the same apartment reports almost {$9000.00} dollars on my credit without my permission as it states in the law 15 USC 6802 limits the disclosure of nonpublic personal information by financial institutions. The section states that financial institutions can not disclose nonpublic personal information to nonaffiliated third parties without providing the consumer ( XXXX XXXX ) myself a notice. I have the emails of the program confirming my assistance for my time of need and suffering due to XXXX and it was not correctly and morally used therefore it should not be on my report because it's false information which why a credit bureaus should have called me first before reporting on my credit to these agencies. Secondly the law 15 USC 1681b permissible purposes of consumer reports. A consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) in response to the order of a court having jurisdiction to issue such an order meaning credit agencies should have had my written instruction to allow to put this on my credit report but I didn't send nor write a letter stating that and if so I need that to be verified. Lastly my information should be passing my personal information without my lawful authority which is the law 18 USC 1028A. I do have the emails stating I was getting rental assistance so this needs to be off my credit report due to pain and suffering of not being able to rent/buy a home of my own.
Product: Debt collection

I have disputed with XXXX  and, XXXX XXXX XXXX XXXX XXXX also Lvnv funding llc, I have written them letter to no avail, XXXX is the only one who has obey by the law 609, I have not received from transunion or XXXX XXXX XXXX XXXX or lvnv funding llc nothing with my signature on it I would like for the law to be put in place here.
Product: Credit reporting

I am filing a complaint against experian because I have been a victim of identity theft and filed a police report with the XXXX County Sheriff 's department on a fraudulent account that was opened with XXXX XXXX XXXX XXXX XXXX account number XXXX. This account appeared on my credit report and I immediately contacted the creditor and gave them my social security number and they were not able to locate an account. I contacted Experian and notified them that this might belong to my sister with the same name. They placed the account under dispute and they sent me a response saying the account was verified. At that time i contacted the creditor again and explained to them the situation and they looked up by my name and came across an account with the last XXXX digits of the social transposed to XXXX and mine is XXXX. I filed a police report and I uploaded the police report to experian and explained the situation to them and to please block and remove the account and the social variation of XXXX that is being used fraudulently and they have not removed the account from my file even though it is fraudulent and not even reporting my correct social.
Product: Payday loan, title loan, personal loan, or advance loan

Account name : OmeMain # 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

Homebridge mortgage was handling my homestyle loan. We applied XX/XX/2019. We were not approved for the homestyle renovation loan, however we were told we could apply for a FHA XXXX loan given the credit requirements. We gave in all necessary documents requested. We were supposed to close this week XX/XX/2019 or next week. We had all documents in within a timely matter however the loan originator and processor were completely incompetent. They lost documents sent via email which is very alarming. We had to resend documents and we had no communication as to a precise timeline or what was happening next. There were misleading expectations of a 45 day closing timeframe. Simple promises saying they would return calls or emails the same day but we wouldn't get a call until 3-4 days later. When they did return calls there would be apologies, sorry I was in another customers file, and more and more excuses. 
We had to call and follow up and even call upper management to complain. We said we no longer wanted to deal with the loan originator. However they continued to handle our loan. This upset the loan originator and they even said, " well you calling managers, CEO 's and executives ''. We just wanted to know if we were approved so we can either move forward or move on. The loan originator told us we were approved and gave us a commitment letter with items to satisfy prior to closing. The loan processor told us that they would not order appraisal ( {$490.00} ) or advise us to move forward with the HUD inspector ( {$1000.00} ) without the green light from underwriting. We sent several emails and called several times to find out when was our closing date Monday XX/XX/2019. 
Today, XX/XX/2019 ( 94 days since application ) we were advised via email after that they had good news and bad news. The underwriter can't move forward with the loan because of withdrawals from the home equity line of credit we have on the house. It had to be subordinated. Shouldn't the loan originator or processor told us this when we first submitted the documents for the loan? Now, we are out {$1400.00}. Due of incompetence. The miscommunication and level of unprofessionalism is ludicrous. In a nutshell 94 days of our lives were wasted when this could have been communicated to us at minimum 10 days after underwritting recieved the documents. We even have the upper management on voicemail saying he'd do what he had to do to get it to closing.
Product: Credit reporting or other personal consumer reports

paid off XXXX  credit but still showing max. balance on credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed that there was another unauthorized hard inquires from CITIBANK on XX/XX/2018 on my XXXX  and XXXX credit report that i did not make, i've made several calls to CITIBANK, XXXX   and XXXX  to have this removed and was told they cant remove or dispute hard inquires although they are aware i did not make it. 

I noticed every since i became a member of XXXX  and XXXX  i get hard inquires and things start to appear on my credit file out of know where as if an employee has stolen my information and using it for there own benefit. 

I did not make this hard inquiry, i was driving from another state when i received the notification ... someone from XXXX, XXXX and CITIBANK is working together using my info TO OBTAIN CREDIT.
Product: Credit card or prepaid card

I have made two recent payments to L.L. Bean Mastercard. According to my bank and my online L.L. Bean account they have cleared. I have also received text messages from L.L. Bean that the payments have posted to my account. Yet I am unable to use my card and my bank account is continually being debited for returned check fees. My bank balance is sufficient to cover the payments I made, and again the payments have cleared with my bank. I have spoken with L.L. Bean several times, and have repeatedly been told the payments and access to my card will release in one week. It has already been one week, and now I am being told it will be another week. Meanwhile other payments scheduled to be made from my card can not go through. There is no reason for this delay, as according to my bank records and L.L. Bean 's own records, the payments have already cleared
Product: Debt collection

I am writing to delete the following information in my file. The items I need deleted are listed in the report.

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.

I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Product: Checking or savings account

I opened a checking account with Chase Bank, and transferred my money from my XXXX XXXX XXXX checking account. At the same time, I needed to pay something and my debit card with Chase had not come in yet, so I transferred some money back to my XXXX XXXX account. That was the end of that- I got a text message saying to call Chase , otherwise they will close my account. I called within minutes, and the lady on the phone told me that my account was closed due to an internal decision and she was not going to give me any details about it, just that it was closed and that the bank was holding onto my money for XXXX XXXXXXXX XXXX, and then they will mail me a paper check. The amount should be {$5300.00}. The issue is that I have bills to pay, I'm just a regular XXXX of XXXX XXXX working hard to earn my money and now I have NOTHING while there are bills coming in a couple of days. I paid XXXX XXXX XXXX using my bank and routing number with Chase, and now that payment will bounce back and cause me fees, and late payments, and the potential of XXXX taking my car with just XXXX payments to go.
Product: Debt collection

There are 2 Collection on my credit report. 
Jefferson Capital Syst XXXX XXXX XXXX XXXX XXXX XXXX I settled with Jefferson Capital on XX/XX/19 I sent a copy to to XXXX XXXX and to XX/XX/XXXX Showing it was paid but its still on my credit report and it shouldnt be
Product: Debt collection

Received a collection Notice from this agency on the XXXX of XXXX and even before I could dispute it, which was not stated on the notice, the amount they tried to collect from had changed due to interest. This agency also has not responded to my information request for debt verification which I shall attach on here including the notice they sent which was intentionally worded to try and confuse me. This account never showed up on my credit and just popped up this month I have no knowledge of ever owing any type of debt to this collection agency nor to a gym. And the company has not yet reached back to me regarding my request but have furnished the credit bureau with an updated amount including interest.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon viewing my most recent consumer report, I saw bankruptcies that shouldn't be shown there.. And since I studied laws lately, I found out that you violated 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy. Consumer Right to Privacy These XXXX  claims that it shouldn't be on my credit report and that you released my personal information without my consent.This is unacceptable! Im a victim of identity theft, you are criminally and CIVILLY LIABLE. If this complaint is not handled accordingly, I swear that I will seek legal action against you guys!
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Maryland XXXX Dear Consumer Financial Protection Bureau XXXX I am writing to file a dispute regarding alleged violations of 12 CFR 1006.34 ( b ) ( 5 ) by [ XXXX XXXX XXXX XXXX ], a debt collector for XXXX XXXX  XXXX 

Insurance was obtained on a car that we didnt have a month, when the car was repossessed because financing wasnt available I didnt cancel the insurance ; therefore I was charged insurance for a car I didnt have in my possession. I contacted the insurance company when I received the bill and gave them this information. I believe the insurance company owes me a refund. 

I received a communication from [ XXXX XXXX XXXX XXXX ] regarding an alleged debt originally owed to XXXX XXXX. I believe this communication violates the Fair Debt Collection Practices Act ( FDCPA ) through its failure to comply with 12 CFR 1006.34 ( b ) ( 5 ). 

they failed to provide accurate validation information, or that they continued collection activities after the validation period expired. ] I request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action against [ XXXX XXXX XXXX. 

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

Sincerely, XXXX XXXX XXXX XXXX, XXXX
Product: Mortgage

I recently refinanced my home with Zillow Home Loans. I signed a Notice of Transfer of Servicing detailing my mortgage would be transferred to a specific company. In addition I filled out an auto draft form and attached voided checks for automatic draft from my bank account. I was told my first payment would be drafted on XX/XX/XXXX. 

On XX/XX/2021 I received a document from a third separate company, XXXX XXXX XXXX, stating that they were my new mortgage service provider and that I needed to fill out another autodraft application and attach more voided checks. I was confused because I was given no notification at signing of this third company. 

I contacted Zillow and was told that my " loan # ... was transferred directly to a new servicer basically bypassing XXXX the first company XXXX altogether. '' I asked them where I signed that they could arbitrarily assign my loan to another company for servicing without any notification. They led me to Section 20 of my Note- which stated that they HAD to give me notification. This led me to research the Real Estate Settlement Procedures Act. Under the Notices of Transfer of Loan Servicingt-12 CFR 1024.33 ( b ) It stated that when any mortgage loan is assigned or sold the former servicer must provide a disclosure at least 15 days before the effective date. 

So Zillow Home Loans failed to follow the law and impinged on my rights as follows : -Zillow knowingly assigned my loan to a third company without notification of any kind. 

In addition XXXX XXXX XXXX failed to follow the law and impinged on my rights as follows : XXXX XXXX XXXX not send the notification within the required 15 day period before the effective date of transfer. In Fact, the disclosure from XXXX XXXX was received on XXXX XXXX- 10 days before the first payment was due. 

This will cause my payments to be late and will adversely affect my credit report and credit worthiness. This will damage my dealings with other business institutions long into the future.
Product: Debt collection

Could you please check the documents to confirm whether FCRA 605B mandates the removal of any inaccurate accounts from my credit report? It's concerning me, as some of the listed accounts seem to be incorrect.
Product: Credit reporting

I disputed the following credit inquiries on my TransUnion credit report both online and over the phone. I was told these inquiries would not be removed by many rude representatives. I have a fraud alert on my credit report and these inquiries need to be deleted as none of them are mine.
Product: Debt collection

The continued presence of this fraudulent account on my credit report is nothing short of an outrage. Despite my repeated attempts to rectify this situation, the fraudulent accounts continue to plague my creditworthiness and financial stability. It is beyond comprehension that your agency has failed to take swift and effective action to rectify this situation. Your agency 's failure to address this issue effectively is not only a violation of the Fair Credit Reporting Act but also a blatant disregard for the rights and well-being of consumers. 

XXXX XXXX XXXX PLEASE DELETE!!! 

The ongoing presence of these fraudulent accounts on my credit report constitutes an affront to my rights and a source of profound distress and financial suffering.
Product: Credit reporting, credit repair services, or other personal consumer reports

Was told I was pre-approved for a XXXX XXXXXXXX credit card. Applied for the card then was denied and now there is a hard inquiry on my credit report. Brought my credit down like XXXX points. It has been 2-3 months and the hard inquiry is still there. Making it impossible to bring my credit up unless I apply for another credit card, which I am scared to do because I don't want my score going down even further XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

updated report on credit usage is inaccurate and has not been updated. XX/XX/XXXX is the last stated statement date and is giving me a higher usage, my credit has not increased and is stagnant due to this is misinformation. I have contacted the company and have not received an response.
Product: Checking or savings account

My business banking account with Chase was hacked for a 2nd time in 13 months. The first time, I was provided a temporary credit and case was closed within 18 days. Chase did NOT flag my account. On XX/XX/2022, I discovered the account was again missing money. They sent me the fraud packet 2 WEEKS later. Their own paperwork provided the incorrect fax number. I had branch manager submit to correct fax number. Still no credit from Chase. Learned yesterday they wanted me to fax it to ANOTHER number. Branch manager did this through his internal system. I have no money, my stellar 25 year reputation in my industry is at risk because I can't pay my vendors. I want my money and my life back. If I live in XXXX, GA why was someone allowed to go into a Chase in XXXX and attach a savings account to my business account? Why didn't someone pick up the phone and call me? Why wasn't this account flagged? I want my money back as soon as possible. I am taking to all social media to make other small business owners aware that Chase 's " fraud protection '' is a JOKE
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, 2022, I sent a letter requesting the XXXX credit bureaus to investigate every piece of information on my credit report. According to FCRA, credit bureaus are supposed to investigated these items. They have sent me notification that the items were verified. They didn't do a proper investigation according to the law. Every piece of information listed on my credit report is still not 100 % accurate. 
The credit bureau has violated 15 USC 1681. The credit bureaus are supposed to complete all investigations before the expiration period under Section 611 ( a ) ( 1 ). The following accounts were not properly investigated : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX