23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Since 2019 the intrest rates have risen from 15 % to 21 % without any justification. 
I request that the CPA request and publish the banks and credit card companies reason for the high rate of increase, especially in light of their increasing profits. This is an area where the government should control the price gouging by major companies.
Product: Mortgage

Rushmore has not provided the breakdown of all the payments from the loan as requested the payoff amount they just sent is {$55000.00} higher than the foreclosure judgement amount and this is not the escrow taxes or insurance payments there is no explanation as to the additional costs and it is not included in the judgement award Rushmore to give me the accurate records requested. They denied my modification CLAIMING THAT IT WAS NOT RECEIVED IN A FAIR AMOUNT OF TIME YET THE REJECTION WAS BECAUSE THEY SAID THEY DO NOT DO MODIFICATIONS FOR LOANS IN DEFAULT THE AMOUNT OF TIME MY LOAN IS IN DEFAULT FOR. THEY HAVE BEEN ABUSIVE WHEN I REQUEST INFORMATION I WAS TOLD THAT I SHOULDNT HAVE BEEN SO FAR IN DEFAULT. THAT IF I HAD MADE MY PAYMENTS I WOULDNT BE IN THIS SITUATION AND THERE IS NOTHING I CAN DO THAT IS WHAT I OWE IF I DONT PAY IT THE HOUSE WILL BE SOLD Rushmore does NOT RESPOND TO THE ALLEGATIONS THEY RESPOND TO OTHER ISSUES. 

THE JUDGEMENT AMOUNT AND PAYOFF AMOUNT ARE LEGALLY SUPPOSED TO BE THE SAME BUT THEY ARE NOT AND IT IS NOT LAWYERS FEES INSURANCE PROPERTY COSTS TAXES OR ESCROW THOSE AMOUNTS I AM AWARE OF IT IS THE ADDITIONAL XXXX
Product: Credit reporting or other personal consumer reports

I am writing to bring to your immediate attention the persistent inaccuracies on my credit report, specifically pertaining to late payments on my XXXX XXXXXXXX account with the account number XXXX This matter is of utmost urgency, as the reporting inaccuracies are not only a violation of my rights under the Fair Credit Reporting Act ( FCRA ), but they also constitute a blatant disregard for the consumer protections enshrined within the legislation. 
Under the FCRA, 15 USC 1681 ( a ) ( 2 ) ( i ) explicitly mandates the accuracy and fairness of consumer credit reports. It is with great concern that I must address the egregious inaccuracies in reporting, specifically in relation to late payments on the aforementioned XXXX XXXXXXXX account for the months of XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law.. 
XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXXXXXX XXXX XXXXXXXX Balance XXXX {$0.00} XXXX  XXXX XXXX Balance : {$1700.00} XXXX  XXXX XXXX Balance : {$1700.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$500.00} XXXX XXXXXXXX Balance : {$3100.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$2500.00} XXXX XXXX XXXX XXXX Balance : {$710.00}
Product: Credit reporting or other personal consumer reports

In accordanse with the Fair Credit Reporting Act. The list of the accounts below has violated federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, has violated my rights. I have never been late on these accounts. You stated the account information was verified. I then specifically requested additional information about the Method of Verification used. You are required to respond within 15 days. You FAILED to do so in a timely and responsive manner and are in violation of federal regulations. I am making a final goodwill attempt to have this matter resolved. As such, you must now remove the late payment information and mark the account as paid as agreed.
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

When I refinanced my current home loan in 2013, I was told by my mortgage agent that I can cancel my pmi when LTV reached XXXX %. Today when I contacted my servicer Nation Star I was told there was a note in the documents I signed that I agreed to cancel PMI until it reached XXXX %. Which is totally outrageous and against the law. I called my investor XXXX XXXX and they stated that XXXX % LTV is their guideline to remove my PMI. The fact my agent lied to me and that XXXX XXXX used a guideline of PMI which is against law make me very upset.
Product: Credit reporting or other personal consumer reports

I am submitting this formal complaint against TransUnion, Equifax, and Experian for violations of the Fair Credit Reporting Act ( FCRA ) and related laws. Specifically, these credit reporting agencies have included an account from XXXX on my credit report without my authorization, in violation of my rights under the FCRA. 



Violations 1. FCRA Section 602 ( a ) ( 15 U.S.C. 1681 ) Right to Privacy My personal credit information is being reported without my proper consent, violating my right to privacy under the law.

2. FCRA Section 604 ( a ) ( 2 ) ( 15 U.S.C. 1681b ( a ) ( 2 ) ) Permissible Purposes of Consumer Reports A consumer reporting agency can not furnish my report to a third party without my written consent, which I never provided to XXXX. 

3. 15 U.S.C. 1666B Creditor May Not Treat a Payment on an Open-End Consumer Credit Plan as Late for Any Reason The reporting of this account as late is in direct violation of this statute, which prohibits creditors from treating a payment as late under an open-end consumer credit plan.
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

About a month ago, I received a collection letter from Nationwide Credit & Collection ( NCC ) claiming that I had a medical debt past due. I had already paid all bills related to these services in full. Confident that this was an error, I mailed NCC a response disputing my debt. They ignored my dispute and have continued to send me collection letters, but now with a different " past due '' amount. Their failure to acknowledge my dispute and insistence on continuing to collect an amount that I do not owe is wrong. I worry that people with fewer resources or knowledge about their rights will end up paying because of these improper collection tactics.
Product: Credit reporting, credit repair services, or other personal consumer reports

Money Lion has an account reporting to XXXX, XXXX, and XXXX for a charge off. I have only taken two Money Lion loans which were paid in full. An additional loan was taken without my knowledge or consent in my name. I am a victim of Identity Theft/Fraud. I have had the alert previously removed from my credit file as it prevented me from accessing my own credit file and I don't authorize any alerts being added. I only authorize removal of the account that is not mine or authorized my me opened around XX/XX/2020 per the credit report listing. 
My information has been involved in multiple data breaches including but not limited to XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Consider this complaint as my follow-up complaint for my previous complaint which contains these disputed items XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I want you to remove all of the listed items for I believe they are fraudulent
Product: Debt collection

My boyfriend received a call from XXXX XXXX at XXXX XXXX XXXX XXXX at XXXX on XXXX XXXX  2018.      Here is what he told me occurred:




The above was all from him and I am not pleased with them sharing my personal information and i know that it's not legal!
Product: Credit reporting or other personal consumer reports

This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card or prepaid card

On XX/XX/2020, I was notified that American Express decided to close my new account. I do not have many cards, but finally agreed to get a new one based on the offers I received from American Express. I used the card to send myself money via XXXX. This is an activity I do with other cards and it creates no issues. I was told that this violates the Cardmember agreement. This provision is buried in the agreement. I was surprised that I was not notified not to do this again prior to termination. If this is an offense that results in immediate account closing than it should be clearly and conspicuously disclosed to the consumer at the time of account opening. This was not the case in this situation. I think this sort of activity is Unfair and abusive under the CFPB 's operating law. I would like the action to be investigated and it would be helpful if the customer could make its policies regarding electronic payments and banking more obvious.
Product: Checking or savings account

On XX/XX/year>, I opened a checking account online with Valley National Bank. The account was opened under a promotion offering a {$400.00} bonus if the account would receive two or more qualifying direct deposits with a cumulative total of {$7500.00} or more within 90 days of account opening. I immediately switched my payroll direct deposit to Valley, and between XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> ( my latest biweekly paycheck ), a total of {$15000.00} was direct deposited into the account. On XX/XX/year> the bank sent me a letter by email stating that based upon information they received from XXXX XXXX XXXX XXXX, they will be closing my account as of XX/XX/year>. I called the bank to inquire about my bonus and was told that the bonus would not be paid. I more than fulfilled the requirements for the bonus and if they had issues with the information in the XXXX XXXX report they should have addressed this before or at the account opening. I therefore feel that Valley Bank should be compelled to honor the terms of their offer.
Product: Money transfer, virtual currency, or money service

Coinbase is disabling buys for zero reason on millions of accounts. Asking for verification then never responding or enabling peoples accounts again. They are a fraud
Product: Checking or savings account

I have been trying to withdraw my money from my Chime account in order to complete a major financial transaction after contacting support multiple times, they have locked my account and are now refusing to even give me access to withdraw my funds. Through out this porcess I have expressed the temporal urgency to Chime and that I need access to these funds to complete a major financial transaction. 

Starting the week of XXXX XX/XX/2020, I attempted to move funds from my Chime savings account to my Chime spending account so that I could initiate an ACH to another institution. This failed multiple times with cryptic errors I contacted Chime support via chat and via email on XXXX XX/XX/2020 asking for a resolution. 

After no response to either chat or email, I called Chime support on XXXX XXXX. The person on the phone was unable to help me transfer the funds, but recommended that I close my savings account so that th efunds could automatically be moved to my spending account. I agreed, and he submitted the request to their escalation department and told me I would receive a response shortly. 

On XXXX XXXX, I received an email from XXXX on Chime 's escalations team asking me if I did, indeed want to do what the phone support representative suggested. I replied yes within five minutes. I later on XXXX XXXX received two emails from Chime telling me that my account has been placed on hold. They asked for a number of a documents ( e.g. IDs, utility bills, other bank statements, as well as explanations of vaguely described suspicious acitvities ). I wrote a long explanation and included all of the requested documents and sent that within an hour of receiving the first email. Given the timing of these emails only after I contacted support, one must wonder if this is either a dillatory tactic or retribution. 

I called support again on XXXX XXXX, and the two agents I spoke to ( one a manager ) looked at the interactions and said that while they agreed I had provided all of the details they needed, there was nothing they could do. There was no way they could contact the department responsible for this other than to write a note on my account.

I'm under a tight deadline for this financial transaction and must have access to my funds quickly, yet Chime is refusing to help me or give me access to the funds that I trusted with them.
Product: Debt collection

I have explained my financial situation and they continue to harass me constantly at all hours of the day. I have been paying them weekly trying to get my account back in good standing with them and hopefully stop the phone calls but the late fees, overdraft fees, and interest are making it impossible. I am almost to the point of just giving up, if they are going to harass me no matter what I do, I have better things I can put this money towards.
Product: Consumer Loan

I bought a watch for {$8900.00} plus tax 0f {$550.00} for a total of {$9500.00} from XXXX XXXX in XXXX of XXXX. I was given 12 months to pay the monies back without interest of XXXX percent as I filled out a credit card application through XXXX XXXX XXXX and Wells Fargo financed the transaction. I made {$800.00} dollar payments for 11 months and mailed my last payment of {$920.00} for a total of {$9700.00} on XXXX XXXX, XXXX but it was not posted till XXXX XXXX by Wells Fargo. 
Wells Fargo is now charging me XXXX percent on the original amount owed of {$9500.00}. 
Although I substantially paid down the amount owed they say I now owe them an additional {$1900.00}. They are acting as if I did not make payments. They are basically saying that if borrowed {$10000.00} on day 1 and on day 365 I paid them back {$9900.00} then I owe them an additional {$2700.00} because I owed them a dollar. 
Please help me. The true interest rate on this loan since I made payments to reduce it is more than XXXX percent. 
I have now received a statement saying I owe them {$1900.00}. Pathetic.
Product: Checking or savings account

On XX/XX/XXXX I received a settlement check for {$12000.00} from XXXX XXXX from a cashiers check. I called XXXX XXXXXXXX and verified the check was legit and negotiable, and I could go to XXXX XXXX and get the check cashed same day. Before doing this, I called Citizens bank and a representative told me that I could cash it at Citizens which is where I bank at, and I would have no problems since it is a certified check. 

The next day I come to find out the check is going to be on a 7 day hold, which is fine. 7 days later when the hold was removed, my debit card was disabled and my online banking access was terminated. I was told by a Citizens rep that my account is under review but it is not closed and I could access my funds through a cash withdraw at a branch with my photo ID ( this was a Friday ). On the following Monday, I took time off work to head to the nearest branch 45 minutes away, and called to confirm that I could withdraw money at a branch and again I was told I would have no issues.

When I get to the branch, after about 30 minutes of waiting I was told no I could not withdraw any funds from my account and the banker will reach out to the back office to see what is going on. She then comes back and says this whole issue is due to the check from XXXX XXXX. 

It took me about 15 minutes to be able to call XXXX XXXX and verify this check by giving them details, yet for some reason Citizens bank still has not done anything to clear whatever problems they are having with the check. 

Its now 2 weeks later and my account is still locked and I have missed multiple bill payments, had to get short term loans from friends and family, and scrambling to make ends meet when I have plenty of cash being held by Citizens bank. Every time I call, a customer service representative says my account is in good standing and I can withdraw cash from a branch with photo ID. 

I just get wrong information all the time from this branch, first I am told a cashiers check would be no problem to cash when I first got it, which was clearly wrong. Then I am told to travel 45 minutes to a branch and leave work, just to waste my time and be told I can not withdraw any money. Its almost like Citizens Bank feels as though the money in my account is their money. I do not know what to do, or who would give me correct information. I was told a letter would arrive in the mail, and I have not received any letters in the past weeks. I have no spending money and am going through an extreme amount of stress due to all the lack of communication/misinformation/clarity. 

I hope nobody else has to go through this
Product: Credit reporting or other personal consumer reports

No agency shall disclose any records which is contained in a system of records, by any means of communication to any person, or to another agency, except pursuant to a written consent of the individual to whom the record pertain to ( PRIVACY ACT 1974 ) ( 15usc552a ). A consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer ( 15usc1681 ( c ) ( 3 ) ) ( FCRA ). A non-affiliate third-party that receives from a financial institution non-public person information shall not directly or through an affiliate of such receiving third-party disclose such information to any other person that is a non-affiliate, third-party of both the financial institution and such receiving third-party, unless such disclosure will be lawful, if made directly to such other person by the financial institution ( 15usc6802 ( c ) ) ( FCRA ). Any person who obtains a consumer report from a consumer reporting agency, under false pretense, on knowingly without a permissible purpose, shall be liable to the consumer reporting agency for actual damages, sustained by the consumer reporting agency or {$1000.00} ( 15usc1681 ( n ) ( b ) ) ( FCRA ). 

Number of Inquiries : 27 Please remove all soft and hard inquiries immediately!
Product: Checking or savings account

I inherited an IRA from my mother several years ago and until recently JP Morgan Chase wouldn't discuss the account with me. I tried back in XXXX to have the account transferred and JP Morgan Chase refused saying I needed to provide a local death certificate even though the valid government document of death out of country was provided. Since then I have been in Chase local branch about 8 times trying to get this account closed. I have filled out the requested form three times and faxed along with the death certificate. I am always told it will take a few weeks and nothing happens. I call JP Morgan Chase and the usual is they don't have the paperwork and I need to go into the local branch and withdraw funds. However at the local branch the account has a code that will not allow the withdrawal of funds. The local branch calls JP Morgan and they don't know what the code is so they tell me to fill out the form and send again. This vicious cycle of passing the problem instead of actually spending the time to fix it is infuriating.
Product: Money transfer, virtual currency, or money service

Received letter and card from PNC Bank which not authorized by me. Tried to called the bank to cancel it. They will not cancel the account.
Product: Credit reporting

I recently checked my credit report, and I have a new inquiry on my credit from XXXX. I DID NOT apply for this. I have previously been a victim of identity theft, and I 'm supposed to have fraud alerts on file with all the credit bureaus. I wo n't this removed. I 've worked hard to recover from previous fraud, and I feel like its happening all over again.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 I sent a letter directly to the legal department of XXXX XXXX XXXX. The letter was another request for any signed document that they have regarding the accounts in question. On XX/XX/2023 they sent a letter stating that they confirmed this is my account by my name and an address. They failed to provide me with any physical signed documents, identification, or even partial social security number. As required by any collection agency. 
I have attached a copy of the information that was sent from XXXX XXXX XXXX. 
if Equifax does not remove this information from my credit report immediately it may result in a lawsuit against them due to lack of proper verification of a reporting entity which affects my personal financial standing by lower credit score and decreases any favorable credit. 
XXXX XXXX XXXX acct : XXXX amount {$190.00}, acct : XXXX amount {$370.00} and account XXXX amount {$450.00}