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 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  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: Consumer Loan

. I was told by XXXX XXXX not disclose anything issue to Westlake Financial when i purchased the car. The following day, the car was n't working properly. 

2. My car has not worked at all since XXXX XXXX, XXXX - I purchased the car on XXXX XXXX, XXXX. 

3. Westlake Financial knowing knew thereafter about the problems as I disclosed to Westlake. They said, there was nothing they can do. 

4. In XXXX XXXX and in XXXX XXXX, they promised to forgive the months and offered to put the payments in the rears. I just found out, they reported those payments late and have not forgave the payments, Instead, accrued interest. 



5. Yesterday, i attempted to trade my car in. When the dealership ran my VIN number, they uncovered there had been odometer fraud prior to my purchase and that my car was XXXX miles over what the car stated. Westlake Financial knew of this issue when they ran the car fax and did not disclose to me upon their due diligence interview with me. 

6. Fees have been accessed for returned payment. There has been no returned payment as bank sent a letter for forgiveness to to account fraud. On 2 separate occasions, I set up auto pays and Westlake confirms the auto pay then without notice, rescinds the auto pay, therefore you are late and must pay all fees. 

7. Today, I spoke with the Collection Supv. and he stated I needed initiate litigation with the dealership and ended the call. 



Please provide full retail trade in value to the new dealership ( TBA ), forgive debt on dishonest collection processes as required The Consumer Collection Bureau, Remove all fees and other charges, Remove past due payment from all Credit Bureaus and establish new loan with a lower interest rate.
Product: Credit reporting or other personal consumer reports

Subject : Complaint Against TransUnion for Violation of 15 U.S. Code 16811 ( 5 ) and Failure to Remove Inaccurate Account Information.

Dear Consumer, Financial Protection Bureau, I am writing to file a formal complaint against TransUnion for its repeated failure to remove inaccurate account information from my credit report following two reinvestigations, which is in violation of 15 U.S. Code 16811 ( 5 ) of the Fair Credit Reporting Act Account Information : Creditor Name : XXXX  Account Number : XXXX Date of Charge Off : XX/XX/year> Amount : {$1200.00} Despite providing clear evidence of the inaccuracies in the above-referenced account and requesting its removal from my credit report, TransUnion has failed to comply with the law and has retained the inaccurate account information.

The Fair Credit Reporting Act mandates that if a reinvestigation does not resolve a dispute, the credit bureau must delete the disputed information within five business days. The repeated failure of TransUnion to adhere to this requirement is a clear violation of 15 U.S. Code 16811 ( 5 ) and has caused me financial harm and distress.

I am requesting that the Consumer Financial Protection Bureau investigate this matter and take immediate action against TransUnion for its non-compliance with the Fair Credit Reporting Act, I am seeking the immediate deletion of the inaccurate account information from my credit report and appropriate measures to ensure that TransUnion upholds its obligations under the law.

Thank you for your attention to this matter. I look forward to a prompt resolution and your assistance in rectifying this issue.
Product: Student loan

My ex wife XXXX XXXX applied for a student loan and added me as a cosigner without my consent or knowledge. Once I became aware of this unauthorized account I filed a police report and contacted chase, initially chase requested copies of the police report which I submitted twice which they said they never received. A few weeks back I attempted to contact chase again, I submitted all paperwork which included copy of my driver license and my signature to show the signature on the application was not mine, they wrote me back asking that I get the paperwork notarized and resubmit which I did. They then responded by stating they find the account to be mine. I asked how did they come to this conclusion, what investigation method was used, but they failed to respond. I have asked my ex wife to please contact chase and claim sole ownership of this account, she said it not on her credit report therfore it does not concern her. I have never attended college and I have never applied for a student loan.
Product: Debt collection

Subject : Complaint Regarding Violation of XXXX  XXXX Bankruptcy Court Order Dear, Consumer Financial Protection Bureau ( CFPB ) I am writing to formally submit a complaint against [ XXXX XXXX XXXX XXXX XXXX ] for violating a XXXX  XXXX bankruptcy court order. I filed for XXXX  XXXX bankruptcy on XXXX XXXX in the U.S. Bankruptcy Court for XXXX XXXX XXXX XXXX XXXX  ( Case XXXX, The bankruptcy was XXXX on XXXX XXXX. 

Details of the Complaint : Violation of Court Order : Following my bankruptcy XXXX  XXXX XXXX, BROCK & SCOTT PLLC has continued to contact me regarding debts that was included in my bankruptcy proceedings. This constitutes a violation of the automatic stay and the discharge injunction under 11 U.S.C. 524. 
They have continued to contact me thru the U.S. mail as to their ongoing sheriff auction dated for XXXX XXXX. 

Impact on Me : These actions have caused me significant emotional distress and XXXX, as I believed I had been given a fresh start following my bankruptcy discharge. 

Applicable Laws : 11 U.S.C. 524 : Discharge injunction which prohibits creditors from attempting to collect debts XXXX in bankruptcy. 

Fair Debt Collection Practices Act ( FDCPA ) : [ 15 U.S.C. 1692 ], which protects consumers from abusive debt collection practices. 

Requested Action : I request that the CFPB investigate this matter and take appropriate action against BROCK & SCOTT PLLC for their unlawful collection practices. I also seek guidance on any further actions I may take to protect my rights under bankruptcy law. 

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

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

The Bureaus-XXXX XXXX {$980.00}, XXXX-XXXX  XXXX XXXX XXXX XXXX {$17000.00}, XXXX XXXX XXXX {$1900.00}, XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX {$3700.00} XXXX XXXX XXXX XXXX XXXX XXXX {$2900.00}, XXXX XXXX XXXX XXXX XXXX {$13000.00}, XXXX-XXXXXXXX XXXXXXXX {$1200.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$8900.00} XXXX XXXX XXXX XXXX XXXX XXXX {$4500.00}, XXXX  XXXX XXXX {$710.00} XXXX XXXX XXXX {$960.00} XXXX The accounts listed above do not belong to me, I didn't apply or use these accounts.This was fraud that was committed in my name. I need this removed from my credit file.
Product: Credit card

Certification of INDEBTEDNESS thats effected my credit score and dropped to less then POOR as well as they never credit my securities from the dividend payment of my treasury coupon, VIA electronic funds transfer act of the interest on my treasury coupons. 3 years of misleading false reporting credit that cause mental and physical agony, and embarrassing situations with applying to company and business loans and situation according to the uniform commerical act and security exchange act, their are multiple Security Fraud and VIOLATION. 15 USC 1681 removal due to mandatory of arbitration clause. 15 usc 1692 & 16 CFR 4333.1 TIAL, SECURITY FRAUD.
Product: Money transfer, virtual currency, or money service

I was contacted on XXXX XXXX, by coinbase that my ID had been verified. Followed by am email stating I violated rules. Between the 2 services, coinbase and there pro site I had crypto currency. They kicked me off the platform to a page to withdraw funds, but the holdings from coinbase pro were missing. Sent string of emails trying to recover, which in turn launched there own investigation. All the coins appeared in the section where you 2 step verify and send out the coins. When I try. It says coinbase support has it locked. There not answering any inquiries.
Product: Credit reporting or other personal consumer reports

A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) is mailed or delivered to the consumer not later than 21 days before the payment due date. 

1. XXXX card Account closed on XX/XX/XXXX 2. XXXX XXXX Account closed on XXXX XXXX, XXXX 3. XXXXXXXX XXXX XXXXXXXX Account closed on XX/XX/XXXX 4, XXXX XXXX XXXXXXXX Account closed on XXXX, XXXX 5. XXXX XXXX Account closed on XXXX XXXX, XXXX 6. American Express Account closed on XX/XX/XXXX All late payments on these accounts started when the covid-19 pandemic started. I did not receive any notification for payment. I would like for you to remove these accounts off of my credit report.
Product: Debt collection

I filed for XXXX  XXXX bankruptcy two years ago and though the debit was taken care of. I hadnt heard anything from XXXX XXXX  since i filed for bankruptcy but now Midland Credit Management , Inc. has been harassing me and more upsetting harassing my mother father. I dont even live with then anymore and they have been calling and talking to my mother about my private financial situation making her all upset. Its the last thing i want my parents to have to deal with my father was recently diagnosed with XXXX so they have a lot goin on. The last call they made to her was XX/XX/year> tryin to collect a debit of {$1900.00} and offered her a payment plan. All this and she has nothing to do with what I owe.
Product: Credit card or prepaid card

I received a prepaid XXXX XXXX without requesting it. I called and cancelled the card.
Product: Credit card

I called on Saturday, XX/XX/XXXX to update my address and phone number since I recently moved. I was told to wait for a return phone call once the information was verified. I never received a phone call. 

On Sunday, XX/XX/XXXX I went to a Best Buy store to make a purchase and provided my drivers license to confirm my identity. I was unable to make a purchase. 

On Wednesday, XX/XX/XXXX I called to close my account since I cant use it and was told I would receive a verification process but they could not tell me when I would receive it, how I would receive it, or if it would go to my new address or phone number.
Product: Debt collection

XX/XX/XXXX I was refused a manager and told that they were not available I was told that if I sue a company it doesn't matter and won't change anything I was hung up on told not to call back I had only contacted them twice because they hung up on me I was not listened to I was spoke to very condescendingly asked repeatedly whether or not I myself was an attorney and was hung up on a second time even though no abusive language was given from me they have actually upset me to the point where I was crying on the phone still not giving me to the correct manager I was asking for nor trying to fix the problem
Product: Mortgage

I believe XXXX cents where fraudulent add it to my balance by Shell Point Mortgage Servicing. during a loan modification date XX/XX/XXXX. 
After questioning I received a letter from Shell Point Mortgage Servicing data XX/XX/XXXX XXXX does not explain the reason why this amount was added or where it came from I have asked Shellppoint to please explain, but shellppoint is trying to put it under the carpet. 

almost dual tracking : important : ShellPoint Mortgage Servicing the most recent letters I received dated XX/XX/XXXX stating that due to the complex nature of the matter Shell points respectfully requesting additional time to respond fully to my inquiry in regards to the money that it was added to my account. 

another letter XX/XX/XXXX estating that I have sent documentation for a long modification to lost mitigation, which is false I have not recently sent documents I have been a very cleared with shell Point Mortgage Servicing that before curing late payments we need to correct all errors that I have been trying tocorrect since XXXX including payments that I have not been posted to my account, Obviously this {$23000.00} that was added to my balance and I have been paying interest since the modification on XX/XX/XXXX, This complaint is to insure Shellpoint dont ignore the fact that we need to correct the balance I owe on this account. 

please wait for second part.
Product: Debt collection

Someone is using my info to open and use a XXXX XXXXXXXX XXXX  credit card. My credit has always been outstanding and in the last 60 days its dropped hundreds of points due to this credit card claiming I am delinquent on a debt I do not owe. I do not have a XXXX XXXX XXXX  credit card and would like for this matter to be investigated. I have made a fraud claim with them directly and am now making a fraud claim with you.
Product: Credit reporting or other personal consumer reports

This Complaint is a follow-up to Complaint Number XXXX. 

The original complaint referenced above was submitted on XX/XX/year>. 

Experian responded on XX/XX/year> as having verified and updated my dispute. 

Experian did not verify or update anything, which has been their response to each attempt I have made to dispute the incorrect information on my credit report. 

Further, I have specifically requested the following information as provided by statute ( each listed below ) : 1. Per 15 USC 1692g : a. Verification or proof of the alleged debt in dispute b. Documentation evidencing that the collection agency has legal authority to collect the alleged debt.

c. A complete accounting of the alleged debt 2, Per 15 USC 1681 i ( a ) : a. A reasonable reinvestigation of the alleged debt including communications with the collection agency.

3. Per 15 USC 1681s-2 ( e ) : a. Documentation of the method of verification used in connection with the investigation of the dispute including procedures used to verify the accuracy of the disputed information, including the names and addresses of any third parties involved in this verification process Experian has failed to provide me with the REQUIRED information I am entitled to per statute. Experian is in VIOLATION of the FCRA and as such, MUST remove the disputed item from my credit report immediately.
Product: Student loan

A duplicate report appears for the loans.  XXXX  set of the loans says they are with   XXXX   XXXX   XXXX  /  XXXX   and were opened   XXXX   2011. The   XXXX    set of loans is showing FedLoan Servicing and opened  XXXX  2011. This happened after I completed a Loan Rehabilitation program. They are the same loans, there are not  XXXX  loans, just  XXXX . I tried to dispute the information with credit reporting agencies, FedLoan,   XXXX   XXXX   XXXX   and received no help. The disputes are always declined and the false information stays, which is causing damage to my report by showing extra sets of loans with late payments. I have even tried to have a credit repair person help and they have been unable to have the loan servicing companies correct it. The FedLoan Servicing report is even marked as " Account transferred to another lender '' so it should n't still be there while the other lender is reporting the loans, also.
Product: Bank account or service

On XXXX/XXXX/16, I initiated a domestic online wire transfer of {$300.00} from my bank Chase to a recipient at XXXX XXXX XXXX. I was made to understand while completing the online process that there would be a {$25.00} fee for the wire, which was okay by me. A total of {$320.00} was debited from my account. 

As of XXXX/XXXX/16, I called Chase to check on the wire status after being informed by the recipient that they had n't received the transfer. Chase explained to me that the wire was returned by XXXX XXXX XXXX ( XXXX ) citing incorrect account name. They mentioned XXXX had deducted {$45.00} and they were only returning {$250.00}. 

I have unfairly been charged {$60.00} by both banks for a service that was not performed ( {$25.00} by Chase and {$45.00} by XXXX ). This leaves a bad taste in my mouth and I humbly seek assistance in adjudicating this issue fairly. 

Thanks in advance.
Product: Checking or savings account

Back in XXXX someone went into my personal and joint account and took almost XXXX out of both. I went to the bank right away they called fraud to get my money back. They opened up a new personal and joint account however one fraud charge was told was my fault because a pin was used. So I lost XXXX which was suppose to go into my personal Account. I was told I had 2 months to pay off the negative balance. Which we have been since the fraud we have had nothing but bad things happen with the bank. So we went to open a bank account with another lender and chase is sending us to check systems which is funny because we till still have a couple of weeks to payoff. Not only have I lost XXXX after fighting now I cant open a bank somewhere else. On top that my husband card keeps getting declined even though he has money in there.you reported us to check system For no reason knowing you gave us 2 months to pay
Product: Mortgage

XX/XX/2022 PHH MORTGAGE Account # XXXX XXXX XXXX  XXXX XXXX I sent my Instrument of payment in the amount of {$120000.00} to PHH MORTGAGE Bank CERTIFIED MAIL. XXXX XXXX XXXX XXXX PA XXXX. TRACKING # XXXX. 

XXXXCertified Mail was delivered XXXX I called to verify that PHH has received my INSTRUMENT OF PAYMENT and spoke with XXXX ( ID XXXX ) and was told my INSTRUMENT was refused, I Stated the following below : UCC3-311 : Accord and Satisfaction ( a ) If a person against whom a claim is asserted li.e. 
Us ] proves that ( i ) that person [ i.e. We ] in good faith tendered an instrument to the claimant i.e. Them ] as full satisfaction of the claim, ( ii ) the amount of the claim was unliquidated or subject to a bona fide dispute, and ( in ) the claimant lie. They ] obtained payment of the instrument. 

..the claim is discharged if the person against whom the claim is asserted i.e. Us proves that the instrument or an accompanying written communication contained a conspicuous statement to the effect that the instrument was tendered as full satisfaction of the claim.

UCC3-603 : Tender of Payment ( a ) If a tender of payment of an obligation to pay an-instrument is made to a person entitled to enforce the instrument [ i.e. Them ] and the tender is refused, there is discharge, to the extent of the amount of the tender... 

XXXX I sent a CONDITIONAL AGREEMENT CERTIFIED MAIL, TRACKING # XXXX
Product: Debt collection

Continued daily calls and messages all day to me and my family contacts and work contacts. 

I told the lady to stop calling. I will pay what I owe on XXXX2021 the full amount due.
Product: Checking or savings account

This complaint is in reference to Chime Bank improperly or not conducting investigations related to fraudulent charges. 

On XX/XX/XXXX, I received notifications from the Chime banking account that my bank card was charged twice ( total {$520.00} ) for XXXX XXXX charges. Because I had not initiated any charges, I turned off ability to charge my debit card through the banking app and immediately contacted Chime customer service. I initiated a dispute through Chime and was issued a new banking card. At the same time, I contacted XXXX XXXX to open a fraud case because while my banking account was charged, there were no purchases attached to my ticket master account, proving the charge was fraudulent. I was initially issued a refund from Chime at about 3 days. As a result, I later called and closed my ticket master case. Approximately 30 days later, I received a notification from Chime Bank stating they had conducted an investigation and determined there was no wrongful withdrawal. I contacted Chime back to reopen the dispute and as they suggested, requested documentation of the investigation. Have attempted to request documentation of the " investigation '' at least 3 times in 20 days. I have never received the documentation. I reopened the dispute XXXX additional times and was provided the same information. On, XX/XX/XXXX, I contacted XXXX XXXX again to reopen the fraud claim. On XX/XX/XXXX, XXXX contacted me acknowledging that there was indeed fraudulent activity and initiated my refund. Regardless of information I provided to chime which included details that my personal information was exposed in an XXXX breach and copies of the XXXX XXXX  account charges which showed no charges on the date in question, the refused my refund AND would provide no details related to their investigation except to state that they conducted XXXX despite my request for documentation on XXXX separate occasions. 

I have since had to dispute another charge with Chime and receive a new card in less than 45 days time. Because I am concerned that I receive inadequate responses I have no choice but to close my Chime account. Upon researching I saw news that the bank has not been refunding accounts when closed and have resorted to transferring large sums to other banks before I can close my account.
Product: Debt collection

I have received an extraordinary amount of phone calls fr om National Auto  lenders who are trying to collect a debt. The person who they are trying to contact no longer has the number they are calling. I changed my number and I received the number from my cellular phone company for the person who they are trying to collect money from. They call from several different numbers at least twice a day. The phone call starts out as a robocall asking you to either pres s 1 if you are the person they are looking for or press 2 if you are not. Pressing 2 caus es a disconnect. I have actually looked the company up on the internet and got the phone number for them. I called and explained the issue to them and asked that I be taken off the call list. They said they would and it would take up to  10 bu siness days. That was over a month ago.     I do not owe this debt. I do not know the person who owes this debt. The person who they are looking to collect this debt from no longer has this phone number or is associated with this number.