23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

Hello - Recently i got myself signed up with a remittance service called 'Instarem ' by providing my identity information ( DL/SSN/Address ) and relevant copies uploaded in the service portal.. After having bad customer service on some sign up related issues, i decided to exit out from the service.. I have not done any monetary business with the firm and it was just a sign up and personal information exchange till then.. Based on my decision to exit, i asked service company to immediately close my online account and purge all my identity related documents and information that are electronically held.. I insisted repeatedly many times but company 's support service kept on spinning the issue and unable to answer satisfactorily for the reason holding on to personal data despite of no monetary business.. I did not recall signing any consent form nor firm 's support service were able to direct me to the regulatory need that stipulates holding personal data for unforeseeable future.. They caused me immense stress having my personal information held hostage and wasted my time in follow ups back n forth I'm extremely nervous and do not approve my personal identity being under possession of a third party and in this case with the firm 'Instarem'.. I request CFPB to help me in going after to resolve my concerns and address my demand of getting my personal electronic data purged from systems I raised a cfpb case before and the response came out as due to BSA regulation but I wanted to know the specifics of the regulation that stipulates holdings electronic personal records just for signing up for a digital service. I want a copy of regulation pdf pointed to specific page and section.. My prior complaint was closed for some in appropriate reasons and therefore Im opening new one Date of Issue : XX/XX/2019 Company Name : Instarem Company Type : Remittance Service Email communication exchanged with support team attached Thank you
Product: Credit reporting or other personal consumer reports

I just recently looked at my report XXXX XXXX. 
I saw some hard inquiries that did not have permissible purpose.i also attached evidence. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX And the I got XXXX  XXXX  XXXX XX/XX/XXXX These inquiries has no permissible purpose to be on my report.Delete these inquiries due to violation of 15 usc 1681b
Product: Credit reporting or other personal consumer reports

I am deeply frustrated by the inaccuracies that exist in my credit report, which constitute unfair treatment towards me. I kindly ask that you take action, thoroughly investigate this matter, and make the necessary corrections without delay. If there are no updates, I will be compelled to proceed legally.
Product: Debt collection

This company basically likes to steal from people. They are still reporting me on collection when I have informed millions of time that the account that is open under my name, was open as a result of identity theft. I contacted them last week to let them know again, and tried to find a possible solution to my problem, and the representative that took care of me over the phone told me that the account was a result of a XXXX card. I wasnt even aware of that. I find this very weird because I was approved for a XXXX card having them reporting me on collection. When i checked my credit report, it said that he original creditor for this account was XXXX bank nevada. Nothing makes sense to me. They dont even know what they are doing and what they are charging me for.
Product: Credit reporting or other personal consumer reports

I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report.

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and may be the result of identity theft or other illegal activities. Attempting to enforce these fraudulent accounts is unlawful. I request that you expedite your investigation to prevent further harm, losses, or damages that I may suffer as a victim of identity theft.

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of 1974. Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.
Product: Checking or savings account

Key Bank is refusing to return my funds, as held in a personal checking account. 

I opened the account on XX/XX/2022, and the account has been frozen shortly thereafter, per previous CFPB and XXXX complaints. Please find the previous CFPB complaint attached. 

Key Bank responded to my complaint on XX/XX/2022 by summarizing the situation, but there has been no resolution to the matter. My balance of {$1500.00} has not been returned to me, nor a timeline for this disbursement. 

I would also advise that Key Bank revise and update their antiquated business practices with regards to identity verification. Key Bank states this indefinite hold of my funds is because they can only verify my identity by physically visiting an out of state branch. Given the advances in technology with public knowledge databases like XXXX, a customer 's physical presence should not be necessary. 

Alternatively, if Key Bank does not wish to invest in modern technology, Key Bank can request further information from me to identify myself, but has not done so. I proactively called a branch and customer service offering to provide identity documents like my XXXX passport, drivers license, and/or utility bill, but was denied. Coupled with the risks of the COVID pandemic, this is a perfect opportunity for Key Bank to update their outdated business practices with regards to requiring laborious in-branch visits. 

I would appreciate immediate disbursement of my full balance of {$1500.00} via a trackable shipping method, like XXXX. 

Thank you.
Product: Debt collection

This debt collector violated the FDCPA by engaging in abusive, deceptive, and unjust practices. They provided this account in violation of our agreement, and I did not affix my signature to it. Two parties are required to sign a legally binding contract ; I did not take any part in the signing process. Furthermore, in noting my dispute of the account, they failed to adhere to the correct procedure, which is a clear violation of 15 USC 1692e ( 8 ) and constitutes unjust business practices. I am not alleging identity theft, but rather unjust business practices, third-party communication, and other violations caused by this debt collector 's use of abusive language in correspondence with me while attempting to collect on an alleged debt. Complaints with the Attorney General and the Better Business Bureau have been filed and dispute letters have been mailed to this debt collector ; supporting documentation will be furnished. 

I demand that this company remove my account from all XXXX credit reporting agencies due to the violations. If they fail to do so, I will be compelled to escalate the matter to my litigation attorney. I have been advised that the company 's failure to indicate my account as " consumer disputes '' on my credit report constitutes a violation for which I am entitled to take legal action against them.
Product: Mortgage

YOUR COMPLAINT Chase totally initiated this criminal action. 
This whole situation was initiated by XXXX XXXXXXXX XXXX on behalf of JPMorgan Chase Bank , N.A . Then XXXX XXXX then XXXX XXXX XXXX aka XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX now represented by XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX of XXXX. On XX/XX/2023 I did not show up for a hearing on a fraudulent foreclosure housing court hearing as I am XXXX XXXX XXXX XXXX XXXXXXXX and with XXXX XXXX XXXX XXXX XXXX XXXX XXXX highly aggravated by stresses. This XXXX XXXX XXXX is well aware of my age and health status. I filed into a Superior Jurisdiction Court being the Land Court, to address the criminal illegal foreclosure attempted on me as well as Now illegal eviction threat on me. I am legally allowed Special Accommodations in all of the courts as per XXXX laws and now this being the case this XXXX XXXX XXXX, XXXX is trying to illegally not only push thru this illegal foreclosure fake/forged documents but Now also this party is trying to evict me before 10 days the default removal time window is closed for removal of this so called default. being the 10 days from XX/XX/2023 is XX/XX/XXXX, XXXX attempted eviction is illegal as per misrepresentation forgery and photocoping present on foreclosing documents. This party was supposed to wait until at least XX/XX/2023. This party is trying to avoid my Land Court Complaint that I have filed on Friday XX/XX/2023 for Try Title, proving illegal foreclosure and other crimes done to me as an XXXX XXXXXXXX person and homeowner of 34 years. This attorney XXXX XXXX XXXX XXXX XXXX should be disbarred for this abuse to me, as well as aiding and abetting this XXXX XXXX XXXX, XXXX for criminal acts to what amounts to Premeditated murder for profit of this XXXX XXXX woman with use of an illegal foreclosure with use of emotional terrorism. Also on the early XXXX XXXX of XXXX there was an attempted Trespassing situation whereas a man entered my property ( recorded on security cameras ). I have been living here at this same address since XXXX and this has never happened before. I believe this party is XXXX XXXX XXXX, XXXX is trying to terrorize me into leaving my home to steal possession of it, to flip it for Profit, in short premeditated murder for profit, terrorizing this XXXX XXXXXXXX person. It was only 4 days after this so called default that a clerk defaulted me when I was supposed to have 10 days to remove it. Also, What gives a Clerk the authority to rule on a case? and or execution?? attached housing court docket and police report -- -this is all in addition to this dangerous aggressive predator XXXX XXXX XXXX XXXX to my door to terrorize me on XX/XX/2023 as attached.
Product: Credit card

I am writing to dispute the inaccurate and misleading information being reported on my credit report concerning an alleged account that THIS COMPANY claims i own in the amount of {$640.00}, specifically related to a charge-off. 

Upon reviewing my credit report, I found that your company has erroneously listed an account under my name as a charge-off. Let me be very clear : I have no record of any such debt, nor do I acknowledge any obligation to your company. This charge-off is completely unwarranted and is damaging my credit history unjustly. 

I am formally requesting that you take immediate action to investigate this matter and provide the following within 30 days : 1. Full Validation : Provide a comprehensive account of the original creditor, complete payment history, and a signed contract proving this debt is legally mine. I demand concrete evidence that this account has any legitimacy, as required by the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

2. Correction of Records : Should you fail to provide the above documentation, I insist that the charge-off be removed from my credit reports with all credit bureaus ( XXXX, XXXX, and XXXX ) immediately, as you are legally obligated to do so when you can not substantiate the debt.

3. Cease Collection Efforts : Until you can prove beyond a doubt that this debt is valid, I am requesting that all collection efforts cease. Your continued pursuit of this debt without providing the necessary documentation is in direct violation of the FDCPA.

I also reserve the right to take legal action for damages caused by this false reporting and any related harassment. 

This is a final warning. I expect an immediate investigation and full resolution of this matter. You are on notice.
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, 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 reporting or other personal consumer reports

I strongly urge you to promptly address this error, clearing me of any responsibility. It is vital that you conduct a thorough investigation into this matter and swiftly rectify the mistake. Your immediate attention to this matter is highly appreciated.
Product: Credit reporting or other personal consumer reports

Equifax is reporting an account XXXX XXXX XXXX XXXXXXXX with balance of {$680.00} that does not belong to me. This is not my account at all!! 

I have a XXXX  account, but my account ends in XXXX which has been paid in full. This account is a XXXX  credit card The account Equifax is reporting is not my account
Product: Mortgage

I filed for chapter XXXX Bankruptcy in XXXX and was discharged in XXXX XXXX the Mortgage with Ocwen was not included in the plan and was paid directly to Ocwen by me for the full mortgage contract payment. There was no modifications, no cram down no reduction in interest. Ocwen is reporting the loan as being discharged in the bankruptcy. Ocwen has failed to accurately report information to XXXX, XXXX and is not reporting at all to XXXX XXXX after my initial complaint in XXXX of XXXX. In Addition after the XXXX XXXX complaint Ocwen reported my loan as being included in a bankruptcy beginning XXXX XXXX. 
I have filed XXXX disputes with XXXX and XXXX as well as communicated my concerns directly to Ocwen. I have been denied credit based on the incorrect information in addition to the added cost of credit due to a lower score caused by this misrepresentation.
Product: Debt collection

Debt was handled, I no longer owe for this credit card. Please remove from my credit report.
Product: Credit reporting or other personal consumer reports

I recently checked my credit report and saw accounts reporting that I do not recognize.
Product: Credit card or prepaid card

On XX/XX/2021 I first disputed an unauthorized charge on my Chase Bank credit card ending in XXXX of {$42.00} for a XXXX XXXX XXXX subscription. 

After months of disputing this same charge Chase Bank which the XXXX had accepted subscription cancellation on XXXX Chase advised me the only solution was to discontinue this card number and replace with a reissued card with exact same benefits and a new card number which I agreed reluctantly to do. After a rigorous process of notifying legitimate merchants Chase gave the new number to the disputed merchant.
Product: Credit reporting, credit repair services, or other personal consumer reports

FCRA violations : inquires not mine XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX FCRA violations : inquires not mine XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX # XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX XXXXXXXX, OK XXXX Resident type Multifamily XXXX XXXX XXXX XXXX, TX XXXX Resident type XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OK XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Resident type Single family XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Apartment complex XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Multifamily XXXXXXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OK XXXX XXXX XXXX XXXX XXXX, TX XXXX FCRA violations : not my names XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FCRA violations XXXX payments never late XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX XXXX - Status Paid , Closed XXXX 

FCRA violations : accounts not mine XXXX XXXX XXXXXXXX Potentially negative Date opened XX/XX/XXXX Balance {$1000.00} Status Collection account. {$1000.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$1000.00} Status Collection account. {$1000.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$1100.00} Status Collection account. {$1100.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$1100.00} Status Collection account. {$1100.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$830.00} Status Collection account. {$830.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$2100.00} Status Collection account. {$2100.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$710.00} Status Collection account. {$710.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$570.00} Status Collection account. {$570.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$360.00} Status Collection account. {$360.00} past due as of XX/XX/XXXX. 

XXXX XXXX XXXX negative Date opened XX/XX/XXXX XXXX {$18000.00} XXXX Account charged off.
Product: Debt collection

The issue is that I have been a victim of identity theft. My information was utilized without my consent and authorization to open several fraudulent accounts, and one of them was with Bank of America. When I discovered that a lawsuit had been filed against my name and a judgment had been placed against my name, I was worried. So I obtained the court documents, contacted the plaintiffs and their attorneys, XXXX and XXXX, and informed them that they had the incorrect person because I never had a Bank of America account. I asked them to check the records properly because I have not been their customer, and the account they are attempting to collect on is fraudulent. Any account subjected to fraud and identity theft can not be collected. However, they ignored my request and told me if I was an identity theft victim, then I should have filed a police report instead of calling them. Before I contacted them, I had already filed a police report with the XXXX XXXX Police Department. I have the DR number and will provide it in the end. However, my story doesnt end here. I contacted XXXX and XXXX, and respectfully, I requested them to send me the record of the application that was filed with the account during the opening stages of the account. However, XXXX & XXXX and Bank of America did not comply with my request ; they sent me a couple of statements with the account number on them and the wrong information. I say the wrong information because the statements I sent contained incorrect information. The address on every statement was incorrect and was addressed elsewhere. That raised a red flag and made me look further at the lawsuit documents to ensure what kind of address XXXX & XXXX had when filing this suit. I discovered that XXXX & XXXX also had inaccurate address information, which was why I was never served with a lawsuit. 
Nonetheless, I have attempted to find an agreeable resolution with Bank of America and XXXX & XXXX. I acted in good faith throughout the entire time when contacting them. I even offered them a reasonable settlement so we could remove this fraudulent account and the derogatory lawsuit could be dismissed as soon as possible. However, they continuously act in bad faith and do not consider attempting to resolve the issue. 
The police report number is DR XXXX.
Product: Student loan

I have been on income based repayment ( IBR ) since I consolidated my federal loans in XXXX. During the Covid-19 pandemic forbearance period, annual income recertification was paused. Per the Department of Education and Federal Student Aid office, income recertification was not required during the forbearance period and will not be required until XX/XX/XXXX at the earliest https : //studentaid.gov/announcements-events/covid-19/income-driven-repayment MOHELA notified me that because I did not recertify my income XX/XX/XXXX ( during the covid forbearance ), I would be removed from income based repayment and would be put on the standard repayment plan. 

MOHELA did offer to recertify my income XX/XX/XXXX and enroll me on SAVE and actually was pushing me to do this. However that is not a fair outcome. The fair outcome would be to keep me on my previous income based repayment plan and have me recertify XX/XX/XXXX as is the case for every other federal borrower.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am challenging an account ( XXXX XXXXXXXX XXXX ) that Experian is reporting on my credit report. I had an agreement with the creditor to delete the account once it was paid. I sent a letter to Experian last month informing them of this, but my request fell on deaf ears. I do not believe that Experian started an investigation. I do believe that they are ignoring a lot of consumer complaints, and this violates us as consumers and violate many FCRA laws. I will attach the letter that is dated, and time stamped for your reference. I will also attach the account which clearly states that it is paid. I reached out to the creditor, and they informed that no one from Experian reached out to them to inquire about the account. I am demanding that this account be deleted from my credit report due to the agreement that I had with the creditor and the negligence on behalf of Experian. Please see the attached documents and remove the account from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

NOTICE ACCOUNTS THAT I NEVER OPENED ON MY CREDIT REPORT WITHOUT MY CONSENT