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

On ( XX/XX/2023 ) I sent a letter regarding inaccurate XXXX payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and XXXX have got into the hands of the wrong person.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is in addition to complaint # XXXX. 

i still have not heard back from Chase Bank on resolving my last issue for not closing out my claim in a timely matter and negative reporting to my credit report. 

XX/XX/XXXX XXXX i called chase bank to inform them that someone has access to my account. The reason for the call is because while logging into my account and seen an unfamiliar number XXXX being the main number where it would receive phone calls and text to access my account. I have never seen this number in my life and there's no record of me calling or updating my information on chase 's website with this information. 

I spoke with 3 different agents on the XXXX ( XXXX XXXX, XXXX from fraud dept and XXXX from the dispute dept ). While speaking with XXXX from the fraud department she stated that in her notes someone in her organization has put that number on my account and could not give me a reason why. She insisted that she removed the number. 

After speaking with XXXX i was passed to a XXXX in dispute department because i'm still trying to resolve my dispute with chase and they are still trying to make me pay for an authorized charge that i reported to them. I was told by XXXX i need to reach out to the frauds department by email as they were not available by phone. 

XX/XX/2020 - Speaking with XXXX in the fraud department we discussed the invasion of privacy issue that i'm having with someone in her company changing my contact information without my consent and information i needed to send in about my open fraud claim. i emailed in the necessary documentation that XXXX XXXX d me to email in. Upon receiving my documentation they will let me know in 5 days a decision on my fraud claim and answer on why my contact information is changed and by who XX/XX/2020 - I have now receive a letter from Chase stating they have now lowered my credit limit down to {$5300.00} because they could not reach me at the telephone number provided on my account. XXXX is a disconnected number that was placed on my account by them Chase has now maxed out my credit card limit because they have added interest to my disputed balance of {$5000.00}. This is unethical by chase was done purposely to affect me because of my open dispute. This letter was sent the next day after i contacted them about the problem. They are still investigating my fraud claim which is well over 90 days and have not resolved the issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

After finding out that Equifax had a hack into their system I tried to get their XXXX service with a credit report. I signed up on XX/XX/XXXX, but as of XX/XX/XXXX am still not able to sign in to my XXXX account. I have called 5 times, each call taking at least 30 minutes of customer service. Each time I am told that the system is busy and the technical team can not handle all the requests coming in, but in a few days my password should work. I have waited over 21 days but they still can not get me into my account, and it is NOT on my part. I have followed all their directions but they wo n't give me my Credit Report!
Product: Credit reporting

I do not really know what to select here. I could not find a way to contact Transunion about this problem without making a phone call which I am reluctant to do because I do not want others accidentally listening to my conversation. My problem is this : I can not freeze or unfreeze my credit report with Transunion without paying for their credit monitoring service. A cost of about {$9.00} per month. I can freeze and unfreeze my credit reports with XXXX and XXXX for {$3.00} per transaction. I want to know why Transunion does not offer this service. If this is going to continue to be the case, is there any way for me to keep my credit reports from going to Transunion altogether?
Product: Credit card or prepaid card

Specifically applied for a card that offers balance transfer with Capital One and after reaching out 2 times, they told me that the offer wasn't available and there was nothing they could do about the offer and that I could file a complaint. I find this so wrong since the initial offer says that it includes Balance Transfer. 

This is what the letter says : CAPITAL ONE APPLICATION TERMS Interest Rates and Interest Charges Annual Percentage Rate ( APR ) for Purchases and Transfers 0 % introductory APR for the first 15 months that your account is open. 
After that, your APR will be 17.99 %, 23.99 % or 27.99 %, based on your creditworthiness. 
This APR will vary with the market based on the Prime Rate.
Product: Checking or savings account

On XX/XX/XXXX, I got a text message about a requested verification code XXXX '' from " XXXX ''. Then a second message stated " Your Chime account is ready! Just download the app to access it : XXXX XXXX XXXXchime.comXXXX  ''. 

On XX/XX/XXXX, another message stated " The phone number associated with your Chime account has been updated to XXXX. Please contact Member Services at ( XXXX ) XXXX if you did NOT request this change. '' On XX/XX/XXXX, I called Chime at XXXX to tell that I didn't open any account with my cell phone number. I gave them my cell phone number, but they didn't want to do anything unless I gave up personal information.
Product: Credit card

This account was closed after i asked for a contract with the fee agreement to make sure it was in bonds of consumer law they closed after not sending me one and is charging me extra on a closed account which they closed. my credit report has it closed and they are still sending open bills with new fees. and as of late payments 15 US code 1681 ( 2xi ) 15 US code s 1666b 12 CFR 1026.13 reporting dates are also not correct dates are also not correct
Product: Credit reporting or other personal consumer reports

National Credit Systems has failed to validate my debt request. I sent a second request to this company XX/XX/XXXX ( attached with date and time stamp ). The company not only failed to provide the requested documentation, but they are trying to collect a debt that is past the statute of limitations in. I am invoking my right to cease you, based on factual law that this debt in question is legally expired under the Statute of Limitations. This account was opened in XXXX of XXXX. This account and debt should have been ceased as of XX/XX/XXXX. Accordingly, I am requesting that you do not attempt to collect this expired debt, and should you seek legal recourse I will invoke my right of the expired statute as a valid defense. Additionally, any attempts to harm my credit rating by updating or changing dates ( which you have already done so ) after you have been informed that the debt is expired, are a direct violation of the FDCPA. Any abuse to my credit rating on your part will be met with all recourse available to me. I am aware of how long items may remain on my credit reports and any attempt to extend the reporting time will be investigated by me and reported to the XXXX XXXX XXXX and my State Attorney General. I expect the following account to be deleted from my credit report within 7 days.
Product: Mortgage

I have a mortgage with Mr. Cooper, a division of NationStar XXXX Per our mortgage agreement, I have the option, one time, to pay a large sum of monies down toward principal and have the loan re-amortized. The loan was originated with XXXX XXXX and sold to Mr. Cooper lending sometime around XXXX of XXXX. My intention is to have my {$470000.00} balanced loan reduced by {$430000.00} with the one-time payment of {$430000.00} which I wire transferred today to Mr. Cooper 's bank, XXXX XXXX. The recast application provide by Mr. Cooper lending requires a minimum of {$10000.00} to be paid at one time to qualify for the recast/re-amortization of the mortgage loan. There is no maximum cap or maximum percentage detailed anywhere on the Recast Application provided by Mr. Cooper lending. See attachment. 
To best detail the events, I have copied and pasted the email I sent to Mr. Cooper 's Subordination Department today for your review. 
Dear XXXX XXXX, Please forward a copy on my response herein to your legal department as I believe your actions on behalf of Mr. Cooper lending violates disclosure obligations required by the Federal Reserve Boards regulatory authority over the operations and disclosure obligations of all banks. Additionally, I believe the Office of Comptroller of the Currency charters will be investigating your questionable actions. 

Please note that nowhere on any of your Mr. Cooper recasting application or documentations does it reference a cap of 85 % or any percent so long as the borrower pays a minimum of {$10000.00} toward recasting/re-amortizing the loan. Additionally, on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, having spoken to numerous Mr. Cooper representatives regarding my intention to pay a $ XXXX lump sum payment toward our loan balance, did ANY Mr. Cooper representative state there is a cap restriction of 85 % of the loan balance. In fact, I was told to wire the monies today by your representative at XXXX this morning since the recast application and {$250.00} application fee, paid by money order, were received by Mr. Coopers office. The Mr. Cooper representative understood that my goal was to ensure Mr. Cooper received the funds prior to XX/XX/XXXX to the loan could be re-amortized before the XX/XX/XXXX payment due date. 

So, here we are with {$430000.00} of my money sitting in the Mr. Cooper XXXX XXXX XXXX  in XXXX XXXX and per your email received today after my wires were complete, these funds may not be applied, may be returned, or may be held until XX/XX/XXXX before being applied to the loan balance. None of which is acceptable, and I will have been irreparably harmed financially by your unethical and unfounded actions. I respectfully request that since I was not apprised of any cap restrictions or your newly notated three-month delay in having these funds applied to my loan # XXXX, these funds ( {$430000.00} ) be immediately applied to my outstanding loan listed above. I look forward to your reply by end of business today or you can discuss this further with my attorney on Monday. 

Respectfully, XXXX
Product: Money transfer, virtual currency, or money service

I have attempted to setup accounts now on XXXX and XXXX investment accounts. These Institutions use XXXX services to manage money Transfers. My bank is PNC Bank. They have cancelled transfers using XXXX   transfer platforms. I CAN NOT ACCESS MY OWN FUNDS TO TRANSFER ELECTRONICLY WHICH IS LIMITING MY INVESTMENT OPTIONS. This is very frustrating. Please investigate.
Product: Money transfer, virtual currency, or money service

My acct credit card was on cash app and they made over XXXX in cash unithorzed
Product: Mortgage

Husband passed 2019 I have spoke with PHH a lot of times to give me a mortgage modification to bring my mortgage current since his death. My name is on the deed of the property. They have gave me bad information and the run around.

I don't want to lose my house to foreclosure. I had a XXXX this was from complications of the XXXX I was affected by XXXX. I want to pay my mortgage but no one is willing to help me with the mortgage company. I have sent them my financial information and requested forbearances a lot of times. They turn me down each time.
Product: Credit card

I was a victim of fraud from 2 data breaches at XXXX XXXX XXXX in XXXX and XXXX of 2023. Several applications for credit cards were submitted in my name with different addresses to send the cards - XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX XXXX, THE HOME DEPOT, and more. Because I already had credit cards with these companies, none were issued to the fraudulent applicant EXCEPT THE HOME DEPOT. Despite already having a XXXX  Credit Card, Home Depot doubled my credit limit and sent a card to another address than the one they have for me. Someone in XXXX, XXXX miles away from my own address, charged {$830.00} on this fraudulent card. I did not drive to XXXX and did not charge anything at Home Depot since purchasing my XXXX XXXX, ON-LINE, over a year ago. I am a renter, and all repairs and upgrades to my apartment unit are handled by my landlord. Despite filing a complaint with the Home Depot, XXXX, and XXXX, Home Depot 's " investigation '' determined that I made the fraudulent application for a card I already had, drove XXXX  miles to the Home Depot in XXXX, bought {$830.00} of things I never buy at Home Depot, and that although I already had a Home Depot card, I applied for another one fraudulently. If you look at my credit report, you would see all the fraudulent applications made in my name at the end of last year after the data breaches of a medical group of which I was a member. You will also see that all those applications were denied by the creditors because I already had a credit card with those institutions. Home Depot should also have denied that credit card because I already had one, and the new application had a different address than my own.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself. This item is reporting late as reported in Equifax. Lets correct this immediately. Equifax is required to verify for themselves, but they failed to neither verify nor update me about these complaints. 

( XXXX  XXXX FIN XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted TransUnion several times in regards to the 40 inquiries that are fraudulent on my credit report the customer service has failed to help me every time I have also submitted about five complaints now this makes the fifth one I havent gotten a response back from any of the complaints no status updates ji I have contacted TransUnion several times in regards to the 40 inquiries that are fraudulent on my credit report the customer service has failed to help me every time I have also submitted about five complaints now this makes the fifth one I havent gotten a response back from any of the complaints no status updates updates or nothing
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been a battle going through this and I am writing to delete the following fraudulent 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 Commission 's Identity Theft Report. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records. I, therefore, request that you immediately remove this account from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. Please delete these items as soon as possible Names : XXXX XXXX ; Addresses : XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX : XXXX XXXX XXXX XXXX Balance : {$1400.00}, XXXX XXXX Balance : {$1100.00} XXXX XXXX XXXX Balance : {$210.00}, XXXX XXXX XXXX Balance {$56.00}, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  XXXX ) XXXX Balance : {$0.00}, XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXXH XXXX ) XXXX Balance : {$140.00}, XXXX XXXX Original Creditor : XXXX XXXX  ) XXXX Balance : {$0.00} Inquiries : XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX  XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

Fraud. I havent used this account in years. I got email saying my sponsorship was canceled for XXXX XXXX. Data breaches.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my numerous complaints that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The accounts I am disputing doe not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. These accounts are unknown to me. Also, the information you provided on some account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some account is a mystery to me. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 

XXXX XXXX XXXXXXXX XXXX
Product: Money transfer, virtual currency, or money service

I referred someone to Coinbase using my referral link and he signed up for Coinbase. Coinbase 's referral program states that if you refer someone using that link and they buy/sell $ XXXX, the referrer will receive {$10.00} in Bitcoin . The person I referred completed the necessary verification steps ( verified his account with identification, bought over {$100.00} in cryptocurrency ) to get a {$5.00} sign up bonus and never received his credit, nor did I. I reached out to Coinbase on XX/XX/2021 to inquire why I never received my credit and did not receive a response regarding this specific issue until XX/XX/2021 in which they told me, " Our referral program is fully automated. Note that we are unable to manually review or credit any referrals that are not automatically paid out. We are unable to provide specific information as to why any referrals may have been deemed ineligible '' and then listed the common reasons a referral bonus would not be paid ( " account was created but not completed or verified '', or that " the account has not fully completed a purchase up to {$100.00} worth of digital currency '' ) neither of which apply to my situation. Coinbase also elaborated in a second email that a referral might be deemed ineligible due to shared finances - when I asked them to clarify what this meant, I never received a reply. Moreover, on XX/XX/2021, I also asked for a link to their Terms & Conditions that explains referral terms and received no response. It is unacceptable to tell a customer that an issue like this can not be manually reviewed. How does Coinbase know their referral system is working and more importantly, how does the customer know that Coinbase is exhibiting integrity in their referral program rather than defrauding customers?
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been a battle going through this and I am submitting this complaint to delete the following fraudulent accounts in my file that are reporting on XXXX and TransUnion Credit Bureaus. I am a victim of identity theft and did not make the charge nor accounts. 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 Commission 's Identity Theft Report. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged XXXX XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX ; XXXX XXXX Balance : {$7500.00} Date Opened : XX/XX/XXXX ; and XXXX  XXXX Balance : {$7500.00} Date Opened : XX/XX/XXXX. I therefore request that you immediately remove these accounts from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action.
Product: Credit reporting or other personal consumer reports

Proper notice was not given prior to furnishing negative information to credit reporting agencies, In addition, my federally protect consumer rights has been violated under 15 USC 1681.consumer rights to privacy and confidentiality According the fair credit reporting act 623. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] ( B ) Time of Notice ( i ) In general. The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days after, furnishing the negative information to a consumer reporting agency described in section 603 ( p ). ( ii ) Coordination with new account disclosures. If the notice is provided to the customer prior to furnishing the negative information to a consumer reporting agency, the notice may not be included in the initial disclosures provided under section 127 ( a ) of the Truth in Lending Act. 92 623 - 15 U.S.C. 1681s-2 ( C ) Coordination with other disclosures. The notice required under subparagraph ( A ) ( i ) may be included on or with any notice of default, any billing statement, or any other materials provided to the customer; and ( ii ) must be clear and conspicuous. See also 12 CFR Part 222, App B 70 Fed. Reg. 33281 According to the following 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. 


The following accounts violate the above laws XXXXXXXX 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

In addition several accounts that should not be reporting are still reporting, I want immediate deletion or compensation for damages.