23daVinci/CFPB_Complaints huggingface dataset:
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. 

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  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 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 card

In XX/XX/XXXX my Chase Marriott Visa was compromised. I notified Chase immediately and reported the charges that were made. The Card was replaced. I spent over an hour on the phone providing all the information to customer service. At the end of the conversation, the Rep indicated she could only submit 3 charges, but I should receive a letter in the mail to complete. I received the letter, completed the form and return the letter to Chase around XX/XX/XXXX including additional sheets noting all the disputed charges and a note stating the information and instructions I received from the hotel, including the name of the person 's name, who their records show made the charges. As I was traveling for 2 months, I provided Chase with my updated contact information. Upon my return in XXXX, Chase had sent me another letter stating they needed additional information about the Charges and again listed only 3 charges. Again, on XX/XX/XXXX, I sent a copy of my letter with all the information previously sent. Chase called me to discuss the matter then told me that I needed the Fraud department and hung up. When I returned in XX/XX/XXXX, there were messages left on my home phone and were more letters from Chase with only 3 charges. I called Chase to discuss the matter, and they told me the matter was closed but I should go online and upload the correspondences I previously sent to Chase about the charges. I once again provided my updated contact for them to call. But again, Chase calls the house number and sends letter asking for additional information for which I already provided. I have stopped using the card and am willing to close the account but need these matters resolved. Although I provided all the information Chase needs, they continually send letters with 3 of the many disputed charges when the card was compromised. They will not specify in their written communication or on the phone what additional information they need besides what I have already provided. Then Chase sent me letters stating " Charges are valid '' based on their research without providing any documentation or explanation of their investigation. I do not understand why they dispute only 3 charges at a time or why they have not provided the proof of the valid charges or an explanation. I will no longer use the card and would like to close the account.
Product: Debt collection

I have request for this company to validate the debt that they claim I owe and they have failed to provide me with any supporting documents. Again, this violates my rights as a consumer.The FCRA, is very clear with that any consumer upon request is entitled to full validation of debts they are accused of owing. I will be contacting the XXXX Office as well as the FTC at this point. This is a violation!
Product: Mortgage

XXXX XXXX, XXXX # XXXX gave me a pre-approval letter. I never communicated with XXXX XXXX. My real estate agent did all the communications with XXXX XXXX. I found out later that my real estate agent is a con. I just realized that XXXX XXXX  and my real estate agent connived in producing a fake pre-approval letter to make me believe that I have no problem buying a house.
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I do not know anything about buying a house. I trusted my real estate agent. I believe XXXX XXXX was paid by my real estate agent to have the pre-approval letter. I do n't even know that I should be given TILA-RESPA Integrated Disclosures ( TRID ). XXXX XXXX should be fined and his license should be cancelled. My real estate agent is now washing her hands and she is claiming that she does not know anything about loans and XXXX XXXX did that on his own. Please investigate XXXX XXXX and find out how did he write a glowing pre-approval letter without a loan application.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, XXXX has violated my rights XXXX XXXX XXXX has violated my rights XXXX  XXXX XXXX XXXX XXXX has violated my rights XXXX XXXX XXXX XXXX has violated my rights XXXX XXXX  has violated my rights XXXX  has violated my rights XXXX has violated my rights XXXX  has violated my rights XXXX has violated my rights XXXX XXXX has violated my rights XXXX has violated my rights XXXX XXXX XXXX has violated my rights XXXX XXXX  has violated my rights XXXX has violated my rights XXXX XXXX has violated my rights XXXX has violated my rights XXXX XXXX has violated my rights XXXXXXXX XXXX has violated my rights XXXX has violated my rights XXXX XXXX XXXX has violated my rights XXXX has violated my rights XXXX card has violated my XXXX XXXX ser has violated my rights XXXX has violated my rights XXXX XXXX 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 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX Balance Owed : {$3900.00} XXXX XXXX XXXX XXXX Balance Owed : {$10000.00} XXXX XXXX XXXX  Balance Owed : {$33.00} XXXX XXXX XXXX Balance Owed : {$90.00}
Product: Credit reporting or other personal consumer reports

I am writing to urgently bring to your attention the ongoing issue of fraudulent items on my account with Credit Bureaus. Despite my initial report and the subsequent acknowledgment of fraudulent activity, I am dismayed to inform you that a second attempt to address this issue is required.

The unauthorized transactions on my account continue to cause significant distress and inconvenience. I understand that these situations can be complex, but it is crucial that swift and effective action is taken to rectify the matter.

I appreciate the efforts made after my initial report ; however, the persistence of fraudulent items necessitates an immediate and thorough investigation. I insist on a comprehensive and expedited removal of all unauthorized transactions from my account.

I kindly request a detailed update on the progress of this second attempt, including the specific actions being taken to ensure the swift resolution of this matter. Additionally, I urge you to communicate the preventive measures being implemented to safeguard my account against any future fraudulent activities.

Given the urgency of this situation, I expect a resolution within the shortest possible time frame. Please understand that the delay in addressing this matter not only exacerbates the financial impact but also raises serious concerns about the security of my account.

If this issue is not resolved promptly and to my satisfaction, I may have no choice but to escalate this complaint through regulatory channels and explore other avenues to protect my rights as a consumer. I am asking for your immediate assistance to remove the fraud items in my credit file : 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 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
Product: Debt collection

Hello I noticed unauthorized inquiries on my report or someone applied for something in my name I want this deleted from my report thank you
Product: Credit reporting or other personal consumer reports

In XX/XX/year> our loans were transitioned from XXXX to XXXX as a new servicer by direction of the Dept of Education. Now I have my old loan balance with XXXX and the new balance with the new loan/servicer showing up on my credit reports, doubling the amount of debt I have and forcing an inaccurate DTI when I am in the middle of a mortgage refinance. This is absolutely unacceptable and should be ILLEGAL.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to unfreeze my credit with Equifax so that my student loan can be processed. They have been unable to verify my identity online, over the phone and through their verification services. I have sent in documents to them that they said would process within one hour of arrival and they still have not logged them into their data-base despite having USPS confirmation of their arrival. I can not receive my student loans and get qualified for my apartment because of this and there has been nothing they are willing to do to help. I have done every single verification they have asked of me, I have spoken to over 20 Equifax employees. Sometimes they say they can't even find my information and I have to hang up and try again with a new person who will find my account info as it is clearly in the system. This is causing a significant impact on my life and my financial situation. It this freeze does not get lifted imminently, it will cause serious and irreparable damage to my future.
Product: Debt collection

In XX/XX/XXXX I entered into a contract with XXXX XXXX to settle several of my credit card debts, including one with Walmart. XXXX XXXX successfully settled this debt in XX/XX/XXXX. About two weeks ago this debt showed up as a collection on my credit report. When I contacted XXXX XXXX they confirmed it had been paid. They have been working to clear up the problem and said that the collection agency that reported it was XXXX XXXX XXXX. Today I received a phone call, not on my phone but on my sister 's phone ( my secondary phone number ) from someone saying they were from XXXX XXXX and they wanted the last four digits of my social security number for identification purposes. I would not give it to them. I told them this debt has already been paid, should never have been put in collections or on my credit report, and would be reported. They said if I would just give them my social security numbers they could help me. I refused and they hung up on me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I 've completed a dispute on XXXX 's website and their website tells me the system accepted my message. However, I never get an email or postal mail in regard to the dispute filed. Thier technology is like dealing with a VCR that ate my tape. It 's old outdated and I hope legislation steps in to change this company and the industry. These companies are not set up for the consumer. They are set up to help keep the banks and finance companies in business.
Product: Debt collection

I ran a 3B report today and found out that CBE Group was reporting that I owe them {$55.00} for a collections account from XXXX XXXX. The report is stating that the account was open on XX/XX/XXXX, which is making the collection issue a " fresh '' issue instead of an older collection account. Furthermore, I have no paper work with my signature stating that I have authorized CBE Group to do business with me. They are damaging my credit and I am unable to seek additional credit from various local companies XXXX XXXX XX/XX/XXXX and was closed XX/XX/XXXX. Well over two years ago this account was closed. The account with CBE Group is XXXX and the PAID Approval Code is XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute an error in the reported monthly payment amount for my XXXX XXXX XXXX XXXX account ( Account Number : XXXX ). According to the information provided by your bureau, the amount I am reported to pay monthly is incorrect. I believe that the reported amount does not accurately reflect the payments I have been making. The correct amount should be {$25.00}. Please update my report to reflect this.
Product: Checking or savings account

Goldman Sachs illegally and fraudulently processed a second unauthorized transfer associated with a Goldman Sachs XXXX from my bank linked personal account in the amount of {$8200.00}. The first illegal transfer of {$13000.00} was investigated per the response and case number below and funds returned, indicating a known major security breach at Goldman. 

XX/XX/XXXX a transaction was processed for {$8200.00} to my personal checking account with the description " WEB GOLDMAN SACHS XXXX COLLECTIONS ''. We have subsequently frozen all linked bank accounts and my personal bank has launched another investigation and I have provided FBI authorization to investigate and prosecute. 

I also notified Goldman Sachs fraud investigation unit and after explaining the detail literally 5 times over one hour they assigned case number.

i also requested all accounts be closed and funds and interest to date returned. 

These major security breaches need to be investigated and resolved- this repeating issue has resulted in personal damages, financial losses and mental stress. 

The original response is not accurate in that 1 ) Goldman did not attempt to contact me 2 ) the account was obviously not restricted by the bank.

Original response is noted below : CFPB Response XXXX # XXXX ( Rec 'd XX/XX/2024 ) XXXX by Goldman Sachs , a brand of Goldman Sachs Bank USA ( the Bank ) , received the above-referenced complaint via the Consumer Financial Protection Bureau Complaint Portal on XX/XX/2024. The Bank appreciates the opportunity to address the concerns raised by XXXX XXXX ( the Customer ) related to an unauthorized transaction from their external bank to their Certificate of Deposit ( CD ). On XX/XX/2024, the Customer contacted the Bank about an unauthorized transfer from their linked external account to their CD. Subsequently, the Bank opened an investigation and identified security concerns regarding the Joint Owner and restricted the CD until the security concerns could be resolved. On XX/XX/2024, the Bank attempted unsuccessfully to contact the XXXX XXXX to resolve the security concerns, thus the security concerns remained. The following day the Bank reversed the unauthorized transfer. The Bank requests the Joint Owner to contact the Bank to clear the security concerns. The Bank may be contacted toll-free at XXXX ( XXXX XXXX ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Based on the above details, the Bank kindly requests that this complaint to be closed.
Product: Credit reporting or other personal consumer reports

I've recently checked my credit profile and discovered inaccuracies in several accounts. I'm asking for my credit report to be brought into Metro-2 compliance. I know the credit reporting laws require bureaus to report only 100 % true, accurate, complete, timely, and proven credit information. I'm requesting the removal of any challenged or disputed misinformation, including any aspects of unproven reported subterfuge. 

I don't authorize the bureau to report not proven compliant information and demand the removal of any non-compliant information by full and permanent deletion or adequate testimony to the document certification of their obedience to Metro 2 data reporting regulations. Failure to do so will lead to my determined and rightful civil actions to seek monetary resolution through a court in my jurisdiction. I'm asking the bureau to authenticate and avow corporeally to the absolute genuineness, accuracy, allness, accordance, and adherence to all federally composed legislative documents related to the now officially challenged allegations of account. 

ACCOUNT IN QUESTION : XXXX XXXXXXXX Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX I requests verification of certain items and is asked to provide physical proof of verification. I requesting a complete credit report and are grateful for the prompt attention and cooperation.
Product: Credit reporting or other personal consumer reports

According to the USC 1681 I DID NOT ALLOW OR AUTHORIZE THE REPORTING OFFICES INQUIRES : 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 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 Credit Bureau Disputes 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 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 Credit Bureau Disputes 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX : This company is refusing to correctly report my information. They will not report my oldest highest limit credit card, even though they have received repeated letters from XXXX that I have an account with them. They are causing financial damages by falsely reporting my information. I have a much higher credit age, lower utilization, and higher credit availability with this card. They are negatively impacting my score by XXXX points by refusing to correctly report my credit information. 

TransUnion : This company removed my XXXXXXXX XXXX  credit card from my file after XXXX sent them a letter to report my account. This makes no sense and they are causing the same financial damages as XXXX.
Product: Mortgage

This has been an ongoing problem with Greentree Financial who took over our loan from XXXX XXXX XXXX. It started with a payment they said was not received XX/XX/XXXX. We were besieged with harassing calls, up to 10 a day from them about our late payment and they were asking for our bank information etc. It was different people every time & kept us on the phone and got increasingly aggressive in their manner. We stopped taking any calls through XX/XX/XXXX because of their harassment. We stopped payment on the check presuming it was lost etc, but refused to give these people any info, or go online with our banking information as it seemed very strange behavior. We received a letter saying THEY had received the check on time, however they never refunded us the over charge! Since that time I have been sending all payments with a flat rate envelope costing {$6.00} per month which has tracking on it. This prior month they AGAIN charged us with a late fee saying the check was not received though USPS says it was delivered 5 days ahead of schedule to their PO Box . This is a continual pattern, obviously with these lenders. I have verifying paper trail proving these above allegations. I did notify them with this complaint & all we got was a letter back saying " they were n't responsible for mail delivery. '' All I wanted was your address to send you our documentation, but this was a concerted effort to steal our personal information to do an identity theft since they never said their calls were " recorded '' etc and they acknowledge, in writing they had our payment. No other explanation seems reasonable. But their ongoing attempt to access late payments that were not late shows a blatant attempt at on going extortion. These payments put unwarranted money into their bottom line. It is not enough to pay your debts on time anymore even with proof of delivery, costing more money for the consumer. We never contracted with these lenders-why is it we have to be wasting out time, energy and money having to put up with them continually stealing our resources?? Why our these loans ALLOWED to be sold to these liars, cheats and thief 's? I reiterate ; I have a paper trail proving my allegations and my letter to them and their response.
Product: Checking or savings account

I Somebody made unathorized charges stealing everydollar ouyt of my bank account. I tried to dispute chime said the charges were made near my houser. I provided school attendance records and work schedules proving that during the time of the unathorized charges I was at least 2 cities away from my house. I even offered my other banks transaction to prove the cfharges obviously were not made by me