23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

In XX/XX/XXXX, I received an collection letter from XXXX XXXX XXXX at XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX. I called the phone number XXXX asking about this collection letter for {$2000.00}. XXXX XXXX stated it was for Maintenance fee for XXXX XXXX XXXX. I told him that this debt was n't mine. They gave me the address in XXXX and my daughter and I went to XXXX XXXX XXXX with the letter. XXXX XXXX XXXX said they do not show a timeshare in my name nor ever had my name on a timeshare with them. They said do not pay this debt collection since it was n't a valid debt collection. This bad collection account was put on my credit report in XX/XX/XXXX and was removed in XX/XX/XXXX. I started getting collection phone calls, I reported the harassing phone calls to the police. The Police Chief said to change my phone number. So I changed my phone number. My new phone number is under my daughter 's name and how they got the phone number I do not know. The calls have started back today XXXX. I received in the mail dated XX/XX/XXXX another collections notice from OMEGA RMS. llc Moving forward XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Phone Number XXXX. And now they want {$4800.00}. The statute of limitation in XXXX is XXXX years. Enough is Enough. I want the harassing letters and phone calls to stop.
Product: Checking or savings account

On XX/XX/XXXX, I purchased equipment from someone via Cash app for {$100.00}. After a while I suspected that I was being scammed and in my attempts to reach out to the merchant I was then blocked from getting in contact with them. Therefore causing me to believe that he didnt even have intentions of shipping the item to begin with. On XX/XX/XXXX, I filed a claim for such dispute and was guided to go about doing so through the XXXX  XXXX XXXX app. After doing so on XX/XX/XXXX, I received a confirmation email from XXXX  XXXX XXXX claiming that they have already gone about disputing such transaction with the merchants bank and that I will not have to do anything on my end. Then on XX/XX/XXXX, I received an email now claiming that since Cashapp is a third party application they can do nothing on their side at this point, resulting in a chargeback on my account of - {$100.00}. As of now I am stuck in the negatives and even with my countless efforts to reach out to Cashapp and XXXX  XXXX XXXX, all I receive is a constant runaround and it is completely unfair on my end.
Product: Checking or savings account

I purchased 4 tickets through XXXX exchange. I transferred the money through 2 transactions of {$360.00} each for a total of {$720.00}. I sent the money using XXXX which is linked to my Chase checking account. When I tried to use the tickets I learned they were not real. I consider this fraud and/or false pretense transaction. I contacted Chase and they refused to assist me saying only that I needed to contact " the police. '' They said that they did have the information of the recipient of the funds but would not share his information. I also contacted XXXX and they said that they would not assist me. They explained that they detected fraudulent activity on the account, removed the tickets on my account, and then listed them again to a new seller. They never told me that they were removing my tickets despite having my contact information. I learned this after the fact.
Product: Mortgage

I brought a mobile home fro m 21st Mo rtgage  in 2008, no w that I am getting near the end I seem to have more add on fees. I have inquired about these fees and they become belligerent and talk to me with blatant disrespect. My amount that I owe them is wrong and they refused to fix it, they also have taken my insurance money without my approval and added it to my loan which has not done anything for the amount. I have repeatedly tried to call them and ask for the amount they are sending the credit company in regards to my credit re port. 21st Mort gage have a lot of practices that need to be looked into, during the times everyone was coming back from Hurricane  XXXX . We brought homes and like myself only owed {$11000.00} but to still be paying them to this date is so utterly unfair. We should have been finished with them I am not understanding why we are not and they refused to answer any questions. There is a guy name   d (   XXXX   ) no  last name and he is always rude and talk to you any type of way with little to no respect of who you are, I truly need help to get this completed ASAP.
Product: Credit reporting or other personal consumer reports

In accordance with Fair Credit Reporting Act there is 1 account XXXX XXXX # XXXX and this has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 

The account does not belong to me, please the police reports and the fraud reports.
Product: Checking or savings account

I had a money market and a trading account with Etrade for going on 20 years and I purchased a stock in 2021 and apparently the company went and solvent and E*TRADE basically close the account and obviously I lost the money that was in there. They flagged me so that I can not open another account with them and another company XXXX XXXX that they are affiliated with. I have never been given any information as to why this happened what was done why they took these measures and now they are treating me like a scumbag and acting like Ive done something wrong and will not explain to me what the issue is. I have asked repeatedly for information and closure of the completed account and I keep getting the runaround.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax was notified that I was a victim of identity theft. Equifax has taken no steps to resolve the identity theft. They continue to avoid assisting and continue to allow fraudulent information on my equifax report. Equifax refuses to block the fraudulent information that resulted from this identity theft even though they have not followed consumer regulations. They continue to have a fraudulent address on my credit file also yet send me letters in respond to my complaints stating they cant locate my credit file. Because of the wrong address. I have a credit file I can view it myself. I want Equifax to block the fraudulent accounts that I have not authorized that were opened using my stolen identity. These accounts include an Auto Loan From XXXX XXXX XXXX XXXX XXXX, a credit card from XXXX XXXX XXXX XXXX, a line of credit from XXXX XXXX XXXX XXXX XXXX. A secured loan from XXXX XXXX XXXX, a Credit card from XXXX XXXX XXXX, and An Account from XXXX XXXX, A XXXX Account, Fraudulent. A fraudulent XXXX  account credit card. These are all fraudulent. I did not authorize these accounts and Equifax is the only one authorizing these accounts to be added to my file from my stolen identity.
Product: Debt collection

Over the past several months. My mortgage lender has been calling a cell phone number I use also for work. The calls are every day, atleast 3 times a day. I have called the service center and I have went into a local branch and had a mgr also call to have my number added to do not call list. The calls are still coming thru. Each person has told me they made the change but nothing has stopped the calls.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my credit report with Lexis Nexis. There is a public record listed on for a bankruptcy. I disputed this incorrect information and received a response stating the information obtain in my credit report was " verified as accurate. '' I contacted them to ask how this information was verified ; however, I have not received a response to that question. I mailed a letter to the court listed in my file and received a response from the United States Bankruptcy Court stating they do not report information to or remove information from the credit bureaus. In addition, my account with Lexis Nexis has a freeze placed on my account since XX/XX/2019. How was this information obtained and who verified this inaccurate information since the US Bankruptcy Court state they do not report anything to the credit bureaus. The US Bankruptcy Court is the only entity that can verify if this information is true and correct, and they state they do not provide information. I have made several calls and written letters disputing this public record and I am frustrated as I am getting nowhere.
Product: Credit card or prepaid card

I would like to dispute two unauthorized charges I found on my credit card. 

It is unfortunate that I didn't find this charge until I am gathering information for my annual tax. 

The two charges are XX/XX/2018 XXXX XXXX  {$1500.00} XX/XX/2018 XXXX I didn't authorize for these two payments, so it is considered as fraud, but Chase bank refuses to process and dispute these two fraud payments for me. Please help me to look into this. 

thank you very much
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THESE UNKNOWN ITEMS. 
XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX ; XXXX XXXX Balance : {$6800.00} ; XXXX XXXX XXXX Balance : {$11000.00} ; XXXX XXXX  XXXX Balance : {$25000.00} ; XXXX XXXX XXXX Balance : {$7100.00} ; XXXX XXXX  XXXX XXXX Balance : {$24000.00} XXXX XXXX XXXX Balance : {$240.00} ; XXXX XXXX Balance : {$9300.00} ; XXXX XXXX Balance : {$8700.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XX/XX/XXXX.
Product: Consumer Loan

I received dental procedures and the office manager explained how much it would cost and advised that my insurance would pay for the majority of the procedure given. I only received a XXXX and a XXXX, which cost almost {$10000.00}. It was my understanding that I only needed additional money to complete additional XXXX services, therefore, I was advised to sign up for Care Credit. I really did n't understand the way it was explained to me and the office manager called my mother over the phone to co-sign. The way it was explained was too complicated and not easily understood by me or my mother. I thought that the Care Credit would only be used for future XXXX services, but come to find out that not only was all of my health insurance benefits used, but also the full balance of the Care Credit card. Now, my mother and I have a judgment on our credit for the full balance of the Care Credit card, because I could not afford the payments and I was sued. I did n't understand how much the payments would be, nor the total amount that would be used. The office manager never gave me a copy of the documents either.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX Account XXXX Account Name : XXXX XXXX Account XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

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

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

Account Name : 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 and list of Inquiries 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: Debt collection

Based on, 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft. not later than 4 business days after the date of receipt. 
It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible! Account Name : XXXX XXXX XXXXXXXX XXXX 
These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 16816 - Permissible purposes of consumer reports ( a ) IN GENERAL st to subsection ( c ) any consumer reporting agency may furnish a consumer report under lowing circumstances and no other : ( 2 ) In accordance with the WRITTEN XXXX XXXX XXXX of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the account listed. Account Name : XXXX XXXX Original creditor : XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed a bankruptcy on my credit report online with TransunionXX/XX/XXXX21. After completing the dispute, I received an email saying that the dispute was received and the investigation is in progress. The next day I noticed an email that says that the dispute was complete and the results are available. However, when I logged into my Transunion account I could no longer see the dispute from the previous night. I can only see the disputes from the previous month regarding some student loan accounts. Also, to my surprise the bankruptcy account has new information added to it. But, the purpose of the dispute was how it was validated and with whom not the contents of it. 

I think that Transunion removed my dispute and attempted to reconcile the information provided to avoid having to remove the account because they couldnt prove that the account was validated and by the court.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX have incorrect personal information showing on my credit report. 

This letter is a formal complaint that you report inaccurate and incomplete credit information. 
I am distressed that you have included the information below in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to ensure the information reported is completely accurate and correct. The following information, therefore, needs to be removed immediately. 
It has been over 60 days and has caused me great hardship, 1681. Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting Congress makes the following findings : ( 1 ) The banking system depends on fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine public confidence, which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. 
( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. 
( 4 ) There is a need to ensure that consumer reporting agencies I ask that these items be removed from my credit profile at once.
Product: Debt collection

My information was sold and bought illegally because I was a victim of the Equifax data breach. I want these items Deleted from my credit reports effective immediately. Iam attaching proof that Equifax has admitted that XXXX was in fact a victim of this data breach and Equifax has done nothing. 
Please help me delete these illegal accounts from my credit reports. List all those negative accounts from your Equifax credit reports. Account names and account numbers and file Your complaint with the CFPB
Product: Credit card

I purchased event tickets for a specific date, XX/XX/XXXX, which is a Wednesday. In reviewing the tickets it correctly shows XX/XX/XXXX but it can only be used on used on the weekend and holidays. I reached out to the company, XXXX, to have the ticket amended. They refused and said there are no refunds. This was a error with their system. I disputed the charge with Capital One who requested more information from me after they received a reply from the vendor. Information provided from vendor shows information from someone else and for a different activity. Capital One closed dispute and asked me to work with vendor. 

Vocher.pdf file shows ticket only good for fri, sat, sun or holidays, but only valid for XX/XX/XXXX making it useless Dispute Update XXXX file shows on page 6, the same information as the useless voucher. And page 7 shows information for a different customer and different activity
Product: Checking or savings account

I received 5 emails in a row from Chase on Monday. It turns out somebody tried to fraudulently open both a checking account and a credit card in my name and then tried to change my personal information so it would come to them. The credit card side of Chase was helpful and assured me the account was closed. They would not provide a report number so i can't ask XXXX to put a watch on my account. 

On the checking account side, they continued asking for my personal information such as social security number, date of birth, address, etc... I explained i was not comfortable providing this information and that the credit card people were able to resolve this with just my name. 

After several rounds of them insisting i go to a branch or give them my personal information they hung up on me. They didnt seem concerned that a fake account was opened and is operating under my name. 


All i could get from them ID : XXXX ( the credit card side which seems resolved ) XXXX ( XXXX ) Reference # : XXXX
Product: Checking or savings account

Capital One is placing holds on funds availability longer than the limit described in the USCODE -2010 title 12 chapter 41 ( Reg CC of the Federal Act - Expedited Funds Availability ), I deposited a cashier 's check in a branch with a Capital One teller on XX/XX/XXXX and the deposit receipt indicates funds will be available XX/XX/XXXX. According to Reg CC funds from deposited cashier 's check should be available for withdrawal not later than the business day after the business day on which such funds are deposited, which should be XX/XX/XXXX, or XX/XX/XXXX at the latest if the time of my deposit XXXXXXXX XXXX XXXX is considered to be after the close of business.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion LLC, and XXXX XXXX XXXX XXXX XXXX is reporting inaccurate information on I, XXXX XXXX, Consumer Report. 
Both of the mentioned Consumer Reporting Agency are violating FCRA 1681i ( 5 ) ( i ) ( ii ). 
As dated XX/XX/2022, I HEREBY DEMAND both Consumer Reporting Agencys to UPDATE my Consumer Report with accurate information. 
For any noncompliance both of the mentioned Consumer Reporting Agency will be fined pursuant to FCRA 15 U.S. Code 1681n - Civil liability for willful noncompliance, and 15 U.S. Code 1681o - Civil liability for negligent noncompliance with Prejudice!
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

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

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX XXXX XXXX  and XXXX XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, XXXX XXXX or Equifax respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.