23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

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

I do not recognize the following inquiry- Inquiries CREDIT PLUS Miscellaneous XX/XX/2020 Inquiry Details Inquiry Date XX/XX/2020 Inquiry Type Individual XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I attempted to place a freeze on my credit with Equifax because they were hacked. Last week I input my info on the website and it came back that my information was probably compromised. I attempted numerous times today to freeze my credit on their website. It was down. I called the help line that they have to deal with " the incident " ( their terminology ). It was staffed by a 3rd party vendor. When I asked the operator the name of the vendor she told me it was confidential and she would not disclose it. I tried calling the corporate HQ and was met with the same intransigence. No one at this company will attempt to assist over 143 million consumers who may be severely affected by this data breach. They are doing absolutely nothing to help. I called XXXX  and XXXX  today and froze my credit. It took less than 15 minutes to do both. Equifax is purposefully impeding my attempts to secure my private information. I would also request to be reimbursed by Equifax for costs of freezing my 2 other credit accounts. This needs to be stopped, now.
Product: Credit reporting or other personal consumer reports

" Your agency is in violation! 
XXXX5 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. 
Delete this at once! '' LIST OF ACCOUNTS BEING CHALLENGED ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX, Experian have both ruined my credit by unlawfully pulling my credit report. There is misinformation on my report and credit fraud which they failed to remove.
Product: Money transfer, virtual currency, or money service

On XX/XX/2018, I transferred {$500.00} to someone online through the Chase Quickpay. 5 minutes later I realized this person is a Scammer and the transaction is still in pending. So I reached out to the bank right way trying to cancel the transaction. However, Chase told me to wait for 3-5 business days for the claim. And today they told me the recovery failed. I am really upset since Chase care nothing about the customer loss and they do have rights to cancel transaction when it's pending instead of waiting for 3-5 days for investigation.
Product: Credit reporting or other personal consumer reports

Subject : Dispute and Request to Update Personal Information Dear Sir/Madam, I am writing to dispute and request an update to my personal information in your records. I recently obtained a copy of my credit report and discovered that some of the personal information listed is inaccurate or outdated. I kindly request that you investigate and make the necessary updates to ensure the accuracy and integrity of my credit profile. 

Please find below the specific details of the incorrect or outdated information : 1. Name : My current legal name is [ XXXX XXXX XXXX XXXX ], but it is listed incorrectly on my credit report as [ XXXX XXXX XXXX XXXX ]. I request that my name be updated to reflect the correct information. 
2. Address : My current residential address is [ XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX ], but my credit report shows an outdated address as [ XXXX XXXX XXXXXXXX XXXX XXXX ]. I request that my current address be updated accordingly. 
3. Contact Information : The phone number listed on my credit report, [ XXXX ], is no longer in use. I request that my new phone number, [ ( XXXX ) XXXX ], be updated as my primary contact number. 
I have enclosed copies of supporting documents to verify the accurate information provided above. The documents include : A copy of my driver 's license or passport displaying my correct name.and showing my current address A copy of my phone bill or any other official document that displays my correct phone number. 

Additionally, please provide me with a written confirmation once the updates have been made, and send me an updated copy of my credit report reflecting the changes. 

I appreciate your prompt attention to this matter. Should you require any further information or documentation, please do not hesitate to contact me at [ XXXX ] Thank you for your cooperation. 

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

Car loan was taken out in XXXX the car was a XXXX and the loan repoed in XXXX and i have paid the reaming balance off but they will not update my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXX account # XXXX, XXXX XXXX  account # XXXX, XXXXXXXX XXXX account # XXXX, XXXX/XXXX  XXXX  account # XXXX, XXXX account # XXXX, XXXX/XXXX account # XXXX, XXXX XXXX XXXX  account # XXXX, XXXX XXXX  account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX  account # XXXX, XXXX XXXX account # XXXX, XXXX  XXXX  account # XXXX, XXXX XXXX  accounts # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, XXXX XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX  XXXX account # 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 602 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit card or prepaid card

ORIGINAL COMPLAINT XXXX Company acknowledged receipt of copies of both money orders shown as cashed by Barclays. 

Comany response is completely insufficient. Not only have I not yet received a credit for the original {$1000.00} theft from my account, the company failed to acknowledge the interest acrrued on said account ( ~ {$350.00} ). The company also provided a very weak apology and did not account for what happened as well as how they will avoid this problem with others in the future. 

Barclays flat out lied to me on several occaassions regarding this theft. I expect to be compensated for the time I spend dealing with this issue, the original {$1000.00} theft and all interest accrued to my account. I also expect a detailed explanation as to why I was continuously lied to and how they will prevent this from happening in the future. If I didn't have the means and technology ( as well as locating receipts, which was no small matter ) to continue pursuit of this XXXX job in retreiving my money, they would have gotten away with literally stealing from me. 

Are you able to find others who have been harmed in this way? I would like to press charges against this company. Please advise.
Product: Debt collection

I replied back saying I do not recognize this debt and need more information. They just continue to call and text me without ever providing anything. Additionally each time I request the same information they claim they do not have a record of me requesting it before.
Product: Credit reporting, credit repair services, or other personal consumer reports

-case no resolved no answer over years with numerous of voicemail left to XXXX XXXX @ - ext XXXX Case # XXXX i can be contacted @ XXXX XXXX XXXX XXXX
Product: Debt collection

I sent out dispute letters for accounts on there files for validation that the account is mine including my signature. I received detailed invoices with treatments that were performed and diagnoses which is a clear violation of the HIPPAA Law, which i never signed a HIPPAA form to authorize them to have access to the information.
Product: Debt collection

My employer does not allow personal calls on the 2 main lines in our office. My place of employment is a busy XXXX XXXX XXXX XXXX XXXX XXXX that employs licensed professionals and our patients are always in my office and I am often in meetings and sessions with patients. I received a call from XXXX and the receptionist had to come in a room in front of co workers and tell me I had a call from ( the reps name ) and it was a personal matter. The caller ID identifies the caller as XXXX XXXX. I took the call and had to talk quietly and told the Rep to never call that number again. A different day a week later I was in a group that was about to start and the receptionist again notified me I had a Call that was personal from ( the reps name ) I asked her to tell them I could not take the call. About a week later I received a 3rd call from XXXX and took the call and notified the rep ( XXXX ) I had made it clear I would be written up by my employer if I continue to receive calls from a collection agency and it threatened the dignity of my job for a trashy collection agency to turn aggressive and harass me at my employment. She stated she would take the number out but the first Rep said they would not call my employment again and they did 2 more times. The agency knows what they are doing is illegal but because these debts are about to be removed from my credit report they are doing anything to intimidate me and harass me to get their money.
Product: Checking or savings account

I got scammed in XXXX where the impersonator was able to filed claims reversed payments from my account and had that money. 
On XX/XX/XXXX I got a called from someone who claimed to be a XXXX XXXX XXXX, who helped to fix bad credit in the form of giving out loans. XXXX, XXXX. I talked briefly with him. On XX/XX/XXXX, XXXX, XXXX told me he gave me a loan {$1100.00}. In order to boost my credit I need to send the loan back him via XXXX. I logged into my bank and saw that I had more money than what I had. By XX/XX/XXXX. I sent money, {$1100.00} to myself via XXXX and sent the money to XXXX, XXXX using XXXX XXXX XXXX. I didnt know the {$1100.00} was the sum of reversed transactions that XXXX XXXX XXXX XXXX online filed claimed with Chase Bank XXXX me on XX/XX/XXXX. Chase Bank did not notify me or posted the reverse transactions until XXXX. Is when I realized I was scammed. The guy took the money and refused to refund me. I filed a claim with Chase XXXX Department on XXXX XXXX. 
Chase Bank staff refused to investigate the scam. I was accused by all staff that I did the transactions myself and spent the money. I asked Chase to pay back the merchants for the reversed transactions where I was told by the XXXX Department that I would get my money back. Instead Chase charged me {$1100.00} to cover the money paid back to the merchants. Chase closed all my accounts, and tresspassed me from all premises. I was going to one of Chase 's Banks before I received the letter stated that I'm not allowed to go to any Chase Bank ' properties. I could have gotten arrested not knowing I was tresspassed. I'm getting evicted at my apartment because of that scam. I tried to get help for rent but I can not prove any loss of income. I called Chase day and night to get a statement or letter showing where Chase paid the merchants back, and charged me {$1100.00} to get their money back. Chase XXXX lied in a statement letter stated that I was reimbursed, and credited the money back. Before that I was lied by Chase 's XXXX staff that I was going to get the {$1100.00} back and the direct deposits that Chase took to cover what the bank paid back to the merchants. I called but kept being refferred to a XXXX from XXXX Department to get a statement stated that I was never get any money reimbursed. That person would contact me, I got no call. 
In the past I filed claims where I called Chase myself to submit claims all were denied. Now an impersonator went online filed XXXX claims on XX/XX/2023. All were approved by Chase. If Chase Bank has notified me on time about the filed claims the same day they were filed and approved I would avoided being scammed. 
Chase needs to take respinsibility for failing to protect me. I didnt share my log in information with the impersonator. Chase Bank has the resource to investigate the scam and proof that I didnt filed the claims, I didnt take the {$1100.00} myself. I submitted a report to the Police in XXXX, Florida. It is an ongoing investigation.
Product: Credit card or prepaid card

I am the trustee of a trust set up by my brother-in-law who passed away XX/XX/2023. I received a letter from Discover, dated XX/XX/2023, informing that an application, number XXXX, was denied due to no credit record available. I did not apply for this card. I know his daughter and granddaughter do have his personal information. XXXX suggested I file a report.
Product: Mortgage

In  XXXX    XXXX   my husband 's employer  XXXX  went on strike at which time paying our mortgage became difficult.We were offered a forbearance program through  wells Fargo  in which we would make reduced payments for 6 months and then apply for permanent modification at end.We made all payments on time when it came time for modification everything requested was sent in and then modification was denied saying we could afford payments.We can afford payment however they requested.the arrears of mortgage payments up front and we did not have  XXXX   XXXX  dollars so they sent a foreclosure notice with only thing offered being short sale or deed in.lieu.This has been our home for  32 yrs so we went to our local bank to refinance only to be denied because wells Fargo had reported our mortgage delinquent since beginning of forbearance.Now no one will   finance us with a  XXXX   credit score and  we can not even qualify for a home equity line to save our home even though we have  XXXX  in equity.So we will be losing our home if no one will help us!
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit Bureau never did a proper " investigation '' according to the FCRA The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or whom may have knowledge concerning any such items of information.

They did not do this!!!

Credit Bureau stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last activity is not accurate date reported is not accurate and even by the report company XXXX XXXX XXXX  formally known as XXXX XXXX closed the account and showed " SATIFACTION OF DEED OF TRUST '' The account number is inaccurate that account was closed and the same account number is being use, a direct violation and against the law, inaccurate. This is grounds for account removal. 
The account is showing open XX/XX/2015, account type, " Mortgage '' same account number that was closed XXXX See attached court recorded document. This is grounds for immediate removal They also violated the law because according to : 15 U.S.C. 1681 section 602 A. States, I have a Right to privacy 15 U.S.C. 1681 Section 604 A section 2 : States, It also states a consumer reporting agency can not furnish a account furnish a account without my written instructions. 

I did not give anyone written instructions. A direct violation
Product: Consumer Loan

I am utterly disgusted at  Conns Home F urnishings!! I purchased a new  75 '' 4K sm art TV from them yesterday at  XXXX  and they ran my credit and took my money up front I paid {$400.00} to get the loan to get the TV. I got the TV home and left it safely there unharmed until my work day finished then I unpackaged it and set it up! It was wonderful until .... half way through the first movie on the left hand side of the TV a blue line appeared. Needless to say I called  Conns  and they said I needed to call the repair center they could not replace the TV they can send someone to repair it!! I could not call the " repair '' center as they were closed so I called  XXXX , they did some simple test and they told me they could also send someone out to " Fix '' my TV I said no way! I paid for a new TV and I should get a replacement asap! they said the repair team would have to determine if that is the best option for me! I told them it paid for a new TV and that 's what I am getting period. I asked to speak to manager and they are supposed to be calling me back. SOO the next day today   X/XX/2017      XXXX  I called the " Conns Repair team '' and they tell me basically they can and wont do anything for me and that I have to work with  XXXX , I said so you sold me a defected product and you wont do anything at all about it!! To be fair they should be sending me a new TV with free installation!! I went round and round with them and they kept saying the same thing call  XXXX ! I did n't even have this TV for  XXXX  and its defected and they said I can bring it back for a full refund or call  XXXX . Wow!! really I wanted the TV that 's why I purchased it not to have to bring it back .. no customer service skills at all and I am getting treated VERY unfairly.
Product: Credit reporting or other personal consumer reports

I am sending to bring to your attention the presence of inaccurate information on my credit report with your agency. The incorrect details are as follows : XXXX XXXX  - XXXX, XXXX XXXX XXXX, XXXX - XXXX, XXXX - XXXX The aforementioned inaccuracies are materially affecting my creditworthiness and causing harm to my financial well-being. I believe it is crucial to rectify these errors promptly.

I have conducted a thorough review of my financial records and can provide supporting evidence to substantiate my claims regarding the inaccuracies. Attached to this affidavit are copies of relevant documents that demonstrate the discrepancies, including but not limited to : Bank statements, payment receipts, and correspondence with creditors I request that you undertake a complete and fair investigation into these matters and take appropriate action to remove the inaccurate information from my credit report. According to the Fair Credit Reporting Act ( FCRA ), it is your responsibility to ensure the accuracy of the information you maintain and report.

Furthermore, I request that you provide me with a written notification upon completion of your investigation, including details of the actions taken, any changes made to my credit report, and a revised copy of my credit report reflecting the accurate and updated information.
Product: Payday loan, title loan, or personal loan

On, Monday, XX/XX/2021 at XXXX EST, I physically went into ACE Cash Express Check Cashing to apply for a Short Term Payday Loan. I qualified for a {$1000.00} Loan but I chose only to borrow a {$100.00} Loan. When the Cashier XXXX or XXXX processed my loan ; she used her mobile cell phone to take pictures of my personal financial records. I was shocked by this because she didn't use her company 's official copy machine. And it's illegal for an employee to take mobile pictures of a customers/borrowers personal financial information with their personal mobile cell phone. After I left the establishment ; immediately after on Mon., XX/XX/2021 at XXXX EST, I called XXXX who is the manger of ACE Express Check Cashing to inform of what happened. He said he was going to follow up but he never did. I'm very concerned about my personal financial documents and information being photographed by ACE Cash Express Cashier and how this employee can use my information. ACE Cash Express may be doing this to other Customers as well ; being that they allow their employees to take customers personal financial information with out consent by using their personal mobile cell phones. Especially in lieu to fraud and identity theft.
Product: Debt collection

I am requesting a method of verification. I am needing a description of the procedure that was taken for this company to state the accuracy of this account. I need a method of verification and documentation that XXXX, XXXX, and XXXX has on file that states that this information is indeed one hundred percent accurate and correct? Who did you interview regarding the disputed items? Please provide this information to me by email XXXX or by mail XXXX XXXX XXXX XXXX XXXX TX, XXXX within 5 days or remove this account and delete it immediately. 
Acct # XXXX LVNV Funding LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX ( XXXX ) XXXX
Product: Credit card or prepaid card

Capital One Bank USA is showing I owe {$440.00} I never applied or used a Capital One Bank USA nor did I receive a Capital One Bank USA card I have asked for prof of what was purchased or prof I purchased the items they have not provided me with that information
Product: Money transfer, virtual currency, or money service

Coinbase.com advertises the ability to earn rewards for staking XXXX. all one needs to do is meet the requirements and hold at least 1 full XXXX  coin in their account. the account is supposed to receive ~6 % annual interest on your holdings delivered every three days. 

i have received no rewards after 60 days and holding over 700 XXXX  coins in this account. after contacting coinbase they can not describe why they are not giving me my money, simply floundering to find an excuse. i meet every requirement they set and have double checked every setting and there is still nothing. they are using my stake and keeping the rewards.