23daVinci/CFPB_Complaints huggingface dataset:
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 Account Number XXXX has violated my rights. 

XXXX XXXX XXXX Acct Number XXXX has violated my rights. 

XXXX XXXXXXXX XXXX XXXX XXXXXXXX Account Number XXXX has violated my rights. 

XXXX XXXX ( Original Creditor : XXXX  ) Account Number XXXX has violated my rights. 


XXXX XXXX XXXX Account Number XXXX has violated my rights. 

XXXX ( Original Creditor : XXXX XXXX XXXX ) Account Number XXXX has violated my rights. 


15 USC 1681 Section 602 A States I have right to privacy.

15USC Section 1681 Section 604 a Section 2 : It also states a consumer reporting agency can not furnish a account without written con
sent.
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to apply for a gas card through XXXX and was denied due to showing XXXX hard inquires on my credit report. I checked my credit report and as a result saw there were hard inquires on my credit report as well as my personal information is incorrect and needs to be updated my day of birth shows XX/XX/XXXX and that is incorrect. There is information on my credit report that needs to be deleted due to have been paid off, it 's from the XXXX XXXX XXXX XXXX it was originally from XXXX XXXX then was appointed to the government. I have filed a complaint before in regards to the issue I had with XXXX XXXX, which now is XXXX, but related the another issue. It is reported as closed but is showing on my credit report. The hard inquires for these last 12 months are not something that i recognize and would like them removed off my credit reports.
1. XXXX- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , SD XXXX ( XX/XX/XXXX ) 2. XXXX XXXX -XXXX XXXX XXXX XXXX, TX XXXX XXXX/ XXXX XXXX ( XX/XX/XXXX 3.XXXX XXXX XXXX ( XX/XX/XXXX & XX/XX/XXXX ) 4. XXXX XXXX XXXX XXXX  XXXX, OH XXXX ( XX/XX/XXXX ) 5. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) I want these hard inquired removed off m y credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a thank you feedback email from Experian indicating if as a representative named XXXX had worked with an imposter and reviewed my account. Upon calling Experian, they weren't able to identify where the action came from. However, additionally, they were able to tell me someone had access to my account via an XXXX computer, of which I don't own through previous transactions logs. Per confirmation with Experian, when a caller calls in, all they would need to provide is the person 's name, social security number and birthday and any imposter can review the account as long as they have all the correct information. I've also submitted a security freeze online. If Experian has a system that sends a verbal code to the owner 's phone whenever a password needs to be reset, why hasn't the second level of authentication been added to prevent imposters.
Product: Credit reporting, credit repair services, or other personal consumer reports

I started my dispute of negative incorrect and incomplete information on XXXX XXXX. There were multiple inaccurate items being reported. After the initial dispute, one item was listed as closed and the others remained. I filed a follow up dispute on XX/XX/2020 demanding the items be verified with an original signed contract bearing my wet ink signature. Following this dispute, the inaccurate items yet remained being reported, even though there is no verifiable proof that the item is accurate. Additionally, the account that was reported closed has been fluctuating in status, even though again there is no verification that the item is accurate. None of the accounts are reporting complete or accurate information regarding payments, statement dates, etc. In addition, the bureaus have failed to provide me any physical verification that the accounts reporting are accurate as requested. I have since filed an additional dispute on XX/XX/2020 demanding that the accounts be deleted due to lack of verification and non response. It's been over 90 days and I have yet to receive a proper response. They have failed to follow regulations and procedures to ensure the data published is complete and accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Lender GMC Financial has inaccurate reporting on my credit history. First with XXXX XX/XX/XXXX the are report my account as okay, but on XXXX  it's reporting as 30 days late XX/XX/XXXX. I called to try and right this and they claimed everything to be reporting correctly. I have confirmation emails proving that payments were made on time to account.

Lender is also reporting that I had one 30 days late payment in XX/XX/XXXX, that is inaccurate, I have XXXX XXXX confirmation on XX/XX/XXXX amounts paid of XXXX to the lender to prove that information false. Original amount monthly payments were only {$410.00}.
Product: Payday loan, title loan, or personal loan

I filed bankruptcy on XX/XX/12 and the company continues to call and harass me. Ive told them Ive filed and my attorney said they should call them if they have issues they keep calling me and leaving messages and call my work phone as well. My attorney says they are in violation. I tried to contact their corporate but cant get anyone.
Product: Credit reporting, credit repair services, or other personal consumer reports

I been trying to get insurance on my vehicle for some time now. Every time I get a quote it either comes back to high or I am ineligible. When I ask why I get told that it could be that my credit history is not too good. I finally decided to pull my credit report and I found things on there that I have never applied for. These items are not mine. Please remove them from my report. 

XXXX XXXX {$6600.00} XXXX XXXX XXXX XXXX {$500.00} XXXX XXXX XXXX {$18000.00} BANKRUPTCY CHAPTER XXXX-DISMISSED XXXX {$0.00} BANKRUPTCY CHAPTER XXXXDISMISSED XXXX {$0.00}
Product: Debt collection

Recieved a phone call from XXXX XXXX who identified his self as an attorney for Michael Haynes and Associates LLC. XXXX XXXX stated that he is working with a company called XXXX XXXX XXXX to collect debt owed on a lawn mower. He advised he is in the process of filing court proceedings to repossess the mower and also to take me to court for a judgement of over XXXX. He told me I could pay him XXXX and keep the mower if I did so in 24 hours. I did my research by googling their name which says they are a law firm. However the location and phone number do not belong to their company. This business is NOT a law firm but falsely says so when you google their business. This is simply a debt collection agency that tricks people into thinking they are attorneys. I've asked them to stop calling but they refuse and keep calling from different phone numbers.
Product: Credit reporting or other personal consumer reports

As a result of a data breach, my personal information was compromised, leading to unauthorized accounts and credit inquiries being added to my credit report without my knowledge or consent. These accounts and inquiries were not initiated by me, yet they persistently appear on my report, negatively impacting my credit profile. Despite my efforts to address these inaccuracies, they continue to be reflected, raising serious concerns about the security of my personal information and the integrity of my credit report. I request that you investigate and remove the following items : XXXX XXXX XXXX XX/XX/XXXX {$2700.00} XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX XX/XX/XXXX {$830.00} XXXX XXXX XX/XX/XXXX {$3400.00} XXXX XXXX XXXX XXXXXX/XX/XXXX {$13000.00} XXXX XXXX XXXX XXXX {$310.00} XXXX XXXX XX/XX/XXXX {$440.00} XXXX XXXX {$310.00} XXXXXXXX XXXX XXXX XX/XX/XXXX {$440.00} XXXX XXXX XXXX XX/XX/XXXX {$240.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XXXX I am filing a compiaint against Equifax for failing to propery investigate my disputes regarding inaccuracies in my credit report.

Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.
Product: Money transfer, virtual currency, or money service

I bought 4 music festival tickets from a guy named XXXX XXXX on XX/XX/XXXX with the agreed price of {$150.00} each. I relied on him, since I already bought 1 ticket from him the year before ( payment was made via XXXX ). 

He requested the money to be transferred through XXXX - an application that connects with most banks in the US and  approved by PNC, he explained he doesn't want to use XXXX because it holds his money for too long. I made some quick research and reviews about XXXX, and feel rather confident since especially it is linked directly with PNC bank. 

The guy sent me the email with the ticket order confirmation on XX/XX/XXXX, and I went to collect the tickets the next day. Once I have those tickets, I immediately transferred the total amount of {$600.00} to him using XXXX on the PNC banking app. 

However, when I went to the concert on XX/XX/XXXX, I was told that all our four tickets were cancelled through the credit card that was used to order the tickets. 

I contacted the XXXX immediately by texts and calls and he texted me back saying that he would send me new confirmation number so I could pick up the tickets again, but he never did. I have later made multiple phone calls to him, but he never picks up his phone anymore. 

I have contacted PNC bank trying to cancel the transaction, however, they said that the money couldn't be recovered or put as disputed money anymore. And they are sorry. I feel like being betrayed and mislead by PNC for the fact that they back up a money transferring system that has no protection to its loyal customers. I have used PNC as my primary bank since I first came to the US six years ago, and with this incident, it is very hard for me to have my trust in the bank again. 

I also contacted XXXX both online and via phone, and their customer service is of no help. 

I went online and found that there were other people who had suffered money lost because the way XXXX and PNC handling transferring money transaction. All of them thought it is a safe service, because, if not, how come it links with their banks?!
Product: Checking or savings account

XXXX I have been seeing money come out my account but no bank details or random fees for some odd reason
Product: Vehicle loan or lease

Toyota Financial has been reporting me late on a disposition fee on a lease for over 2 years damaging my credit. When I went to get a home loan it was brought to my attention that I still owed them for a disposition fee. I was contacted by a collection agency at the time with no contact from Toyota. Called Toyota to settle this up and they told me they would not accept payment. So I payed the collection agency that then removed the debt from my bureau however Toyota did not. Called Toyota today and was told I had to pay it again, after being extorted using my pending home loan and closing date against me I agreed to pay it with my debt or credit card. They advised me they would not accept those payment methods and that there was no supervisor I could speak to that if I refused to give them acess to my bank account via routing number and account number then this would remain open and unresolved. I have had no communications from Toyota other than letter offering me another lease and other products. for 2 years I believed this was handled and it was not I am very disappointed in TFS and how disorganized their organization is. Please help me.
Product: Debt collection

I am disputing a debt collection related to rent by XXXX XXXX I terminated my lease due to the landlord 's breach of the lease terms. Specifically, on XX/XX/XXXX XXXX XXXX failed to address a serious issue with a ceiling leak, despite my repeated requests for emergency maintenance. The initial leak was poorly repaired, and the following month, after multiple attempts to contact maintenance, the problem was left unresolved. Additionally, there was an ongoing cockroach infestation that XXXX 's pest control team could not remedy. These issues rendered the apartment unsafe and uninhabitable. As a result, I exercised my right to terminate the lease early, as outlined in the lease contract and Arizona law ( I provided both in evidence ). I vacated the premises by XX/XX/XXXX, and notified the management in writing of my intent to terminate the lease. Despite this, a collection agency has continued to charge me for additional rent, which I do not owe due to this incident. I have provided evidence of the my dispute to the collection agency, but they have failed to review it. They continue to harass and call me, and after telling me they would mail me a letter to my new address they still have not done so. The collection agency continues to harass me, and will not review the evidence I have provided to them proving I do not owe this debt.
Product: Money transfer, virtual currency, or money service

I transferred {$1000.00} from my XXXX business account, as I have the past several months into my Chase personal account. I had more than {$1000.00} in my business account I requested the transfer from, which was initiated on XX/XX/2021 and didnt reflect in my personal checking account until XX/XX/2021. The funds showed to have cleared my external business account without any issues on XX/XX/2021. On XX/XX/2021, Chase initiates another transfer request from my external business account, although the {$1000.00} was already sitting in my personal checking account. This request gets a code back that states Insufficient Funds which would be correct, since the money had already been transferred out three days prior. On XX/XX/2021, the {$1000.00} is reversed from my personal checking account and the notice I received said it was due to insufficient funds. I started out by calling XXXX, which they were able to confirm this was all done by Chase. They also provided me a letter stating the funds cleared on XX/XX/2021. I called Chase next and spent the remainder of the day, until XXXX trying to get answers and my Money back into my account. I was absolutely furious with the call center in the XXXX, as it appears thats the only call center you get, even when you request a manager. I was left on hold three different times, all for 20-30 mins each. I was left on hold a few other times, where after several minutes, the music stopped and the line disconnected. I cant even tell you how many times this happened. I called 20+ times, talking to different reps, managers, supervisors, all mainly in the Philippines XXXX I finally spoke to a manager in XXXX, who was extremely professional, helpful and made sure I got taken care of. After he filed a claim for me and marked it urgent, I received a call from XXXX from the research department. XXXX had a power trip from the beginning. She took pride in informing me that they would not be issuing me provisional credit and it would take up to five days to complete the research. I pleaded with her and told her that was unacceptable and this was clearly Chases error, not mine. I told her I was traveling out of town this weekend and needed that money in my account. XXXX didnt really care and refused to let me speak with her manager, said her manager was for administrative things only. I asked at least 10+ times to speak with a manager and she refused, saying she was the final day and nobody would give me a different answer. By this point in the call, Im furious and its pushing XXXX, so I told her exactly what I thought about her and her attitude. I quoted this entire issue is a UDAAP, because its absolutely unfair, deceptive and abusive. The way Ive been treated is completely unacceptable and have never been treated this was by any financial institution. I told every rep I spoke with I would be filing a CFPB complaint if I didnt have my money by end of day. I even gave them Saturday to call me, but never heard a word.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 1681 ( a ) ( 2 ) ( B ), Anything that was extended or authorized from a credit card should be excluded from my consumer reports. You are required by federal law to exclude any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device on a consumer report. According to 1602 ( l ) The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. 

XXXX, Experian and XXXX are reporting items from inquiries which is authorized by a credit card on my report. They are also reporting items such as XXXX  on my report.
Product: Mortgage

I received the document stating this case was closed so I talked to one of your associates on the phone and told her ocwen does not have the 1099 form for XX/XX/2018 when I have proof they sent it to me thats why I did the complaint over with the forms proving they sent me a 1099 form  which they can not find that they sent me and I had to claim it on the amount they forgave me which I owed federal and state almost {$13000.00}
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXXXXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

I opened an Ally XXXXXXXX XXXX XXXXXXXX account around XX/XX/year> for {$100.00} bonus offer for making {$50.00} of recurring transfer for 3 consecutive months. I met the requirements in early XXXX and emailed Ally XXXX support on XX/XX/XXXX about when the {$100.00} will post and they emailed back on on XX/XX/XXXX saying the bonus will be posted within 30 days of the 3rd consecutive transfer. I followed up again on XX/XX/XXXX and they replied on XX/XX/XXXX that they are not paying the bonus. I have followed up again but they are not replying at all. Below is the term of the offer. 

XXXX XXXX XXXXXXXX
Product: Mortgage

A few years ago something happened to make my mortgage goes into the delinquent status sso I called the mortgage company and they explained to me that I had missed a note two years ago so I brought the note current and they came back three years later and did the same thing which caused me to go into a foreclosed I know I had missed a note because I kept very good track of the payments after that the mortgage company did not want to hear what I have to say I've wrote letters and complain it an asked them to correct the matter they didn't prolong the issue until there was not enough time to correct the matter I had to file bankruptcy to save my home after showing them that I had not missed not one payment that still didn't matter being that I have the FHA 's very strict contract they disregarded all of the guidelines legal statutes and laws in my FHA contract through the FHA contract they found they could not foreclose on the book only put me through a forbearance plan and they had to get permission from the Bar Association to consist however I brought my long comment begin did everything that was asked of me through the forbearance plan and completed it and gain some interest back that was not replied to my principle about a long XXXX XXXX dollars that went into overpayment to bring my loan and reinstate my insurance however that didn, t happened I have spent money and time to fake foreclosure and now I am on a fourth fake foreclosure and I know and have record that I never mixed not on payment so I havenever should have been either foreclosed and look like to get rid of this one I'm going to have to file bankruptcy again mid First Bank is repeatedly committing bank fraud in predatory lending insurance fraud and breach of contract not to mention the sentence of 15 years of emotional distress and mentally anguish
Product: Credit card

In XX/XX/XXXX Chase Bank unilaterally and without warning closed my account. I believe it was as form of retaliation for the reporting by the XXXX XXXX regarding my lawsuit against XXXX XXXX XXXX. 
On XX/XX/XXXX I have called Chase customer service and the XXXX based CSR has processed my request of refund of the account 's positive balance in form of {$65.00} and informed me that the payment will take 5 to 7 business day to process. I have received this service on my account before and it has never been an issue. 
However today on XX/XX/XXXX I have received an email from Chase informing me that I must accept the payment and get myself involved in some kind of open ended administrative process to receive it. When I called the line again listed on the notice XXXX the XXXX based CSR would not address the issue behind this notice but informed me that it the notice and the subsequent delay in payment now a part of the process that I must follow. When I requested to speak with the XXXX based CSR it was declined by telling me there is nobody available.

Here is the issue : This type of " process '' of payment open ended administrative process is designed to do two things : 1 ) To harass the customer by the actual denial of overpayment return.

2 ) It is designed to delay the payment as long as possible before it actually reaches a customer. 
Chase has recently been doing this with third party vendors ( XXXX XXXX for example ) that utilize its system by artificially delaying the processing of the payment. It not only puts an undue requirement on the person receiving the payment for services that the person is not even contracted with the Chase Bank but it is also a form of financial abuse.