23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

this is my response to your frivolous and deceptive response through CFPB portal. even though you have completely ignored my original letter stating you're in violation for reporting a account based of payment transactions for medical products or services under 15 USC 1681a ( 3 ), in your response you have committed multiple violations under the ****** you have used a logo/symbol which indicates that you are in the debt collection business which is a violation of law under 15 USC ****b ( 5 ) which is infringement of my right to privacy. you have also presented a false and misleading representation as you have only stated that the communication was from a debt collector but not the remaining part of 15 USC ****e ( 11 ) which requires you to state that you are attempting to collect a debt and any information will be used for that purpose in each SUBSEQUENT communication. I am also aware on my consumer report you are reporting as my creditor in regard to this account but according to the definition of a creditor pursuant 15 USC ****a ( 4 ) any person to the extent that receives an assignment or transfer of a debt in default solely for the purpose of facilitating collection of such debt for another is NOT a creditor. making you in violation for furnishing a deceptive form under 15 USC ****j. You are a third-party collection company and lawfully can not validate any of my debts therefore you are reporting a invalidated account on my consumer report & have not provided proper documents to validate this debt under 15 USC ****g , therefore you are not only using unfair and deceptive practices under the ***** which i have proof of and am including in this complaint. you are also reporting a debt which is invalidated. I demand you delete this tradeline across all consumer reporting agencies immediately and no further action shall be taken on my end. failure to comply i intend to take action immediately to get justice due to the inequity you have caused me by your unfair collecting methods XXXX XXXX XXXX
Product: Checking or savings account

I participated in a Chase promotion offering a {$900.00} bonus for opening a checking and savings account. To qualify for the savings bonus, I needed to deposit {$15000.00} in new money and maintain it for 90 days. I transferred {$5600.00} from XXXX XXXX and the remaining amount via online transfer from XXXX. However, Chase is refusing to honor the promotion, claiming the transfer does not count as a depositeven though it was new money from an external account. Nowhere in the terms does it state that a deposit must be made in person to qualify. I think this is incredibly misleading. 

https : //account.chase.com/consumer/banking/checkingandsavingsoffer
Product: Debt collection

I had a debt collection placed on my credit report on XX/XX/XXXX. I was not notified ( via letter or call ) that I owed anyone anything or how I could dispute this. I just received a mailed Letter from National Credit Systems , Inc. That is dated XX/XX/XXXX. This practice has caused me to have to suffer ( XXXX ) months of negatively impacted credit without giving me any recourse to dispute, reach out, or even verify this debt is legitimate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this Complaint regarding the fraudulent information I found on my credit report. The items I am disputing do not relate to any transactions I have made or authorized. I have reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I have been a victim of Identity Theft, my information was stolen and used to open these items without my permission or knowledge I therefore request that you immediately remove these fraudulent items from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. 
Below is the list of the fraudulent items I found on my XXXX report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$11000.00} XXXX XXXX Balance Owed : {$17000.00} I can assure you that I did not open these accounts or authorize anyone else to do so on my behalf. I believe that this is a case of identity theft and I am taking steps to report this to the authorities.
Product: Mortgage

We applied with Fairway Mortgage in XXXX for a VA loan we were approved for. We put down an earnest {$500.00}. Then they said  we had to put down a $ XXXX non refundable earnest again. Then they started to change loan officers after they dropped the ball on  closing by XX/XX/2020. That person XXXX XXXX tried to illegal sale out our loan, cancel it before the contract date was up even though we were approved. She then tried to give us any trouble possible to hold back our loan. She was complained about and taken off the VA loan contract for the house. XXXX took over and all was going to close by XX/XX/2020. Then somehow XXXX was put back on the contract and attempted to again breach contract by ending it prematurely and she told us it was closing and wed sign papers be in our new home today, then yesterday before XXXX she emailed saying she didnt get it done and she was canceling our contract so we are now homeless after putting in three months time to get the home. She said she would refund our money and give us return of $  XXXX for our troubles. She is now refusing to do so. This was on track to close and she ruined it again but for good this time. Veterans are supposed to be treated with respect and dignity this company and XXXX XXXX breached contract and will not fix their negligence in this matter that has now caused us to be homeless in winter in Idaho. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX  XXXX Balance : {$13000.00} ; XXXX XXXX XXXX Balance : {$470.00}.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint to SOFI BANK NA regarding unauthorized inquiries reflected in my credit report. Upon reviewing my credit file, I noticed that several companies have accessed my credit report without my permission. These inquiries were made without my knowledge or consent, and I did not authorize any of these companies to review my credit history. As a result, I believe that my rights under the Fair Credit Reporting Act ( FCRA ) have been violated, specifically the provision that requires a company to have a permissible purpose before accessing my credit information. I respectfully request an immediate investigation into these unauthorized inquiries and that the SOFI BANK NA will remove them from my report. I am also requesting that the companies responsible for these unauthorized inquiries provide documentation showing that they had the required consent or permissible purpose to access my credit file. I trust that your agency will take the necessary steps to address this violation and ensure my credit report is corrected in accordance with the FCRA.
Product: Student loan

I reached out t o Navient  in  XXXX    XXXX   to renegotiate my payment to a lower amount, since my husband has been out of work for 3 months. They " lowered '' my payment, as I was told and it was supposed to begin in  XXXX . In  XXXX  and in  XXXX  they took out the original amount - not the payment I had agreed to, which was less than {$200.00}. I called them, spoke wit h three differ ent people who all gave me differing information. I asked the last representative why it shows on my account online that I owe them a payment of {$180.00} and they drafted {$250.00} from my bank account. She told me that I can not go by what it shows online. WHAT? This makes absolute ly zero sens e.   In addition, my original principal  on one  of my loans was {$12000.00} - disbursement date of  XXXX . That balance is now {$21000.00}. The other 's original principal was {$13000.00}. - disbursement date of  XXXX . The current balance on that is {$24000.00}. My total balance has risen by almost {$20000.00} while I have been paying on it for 10 years. I will never be able to pay this off and will be in major debt for the rest of my life with this arrangement. How the government allows these lenders and banks to completely run amok and take advantage of the people is beyond me. Something should be done!
Product: Credit reporting or other personal consumer reports

I received a copy of my credit on XXXX XXXX & realize some in accuracies. According to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual. The accounts listed below are inaccurate & would like to get resolved XXXX XXXX XXXX XXXXXXXX XXXX Date opened, high credit limit, last reported date, date last active, date last payment, accounts arent accurate
Product: Mortgage

In XX/XX/XXXX I purchased a property in XXXX through Loan Depot. I hired a bad contractor and 203k consultant. Loan Depot paid the contractor over 96k and the contractor failed inspections with the City of XXXX. Lon Depot did not ask for a city inspection until i fires the contractor. That seemed very strange that they waited until they paid the contractor XXXX to ask for a city inspection. This has put me in a real bad stressful situation. I had to pay for things, twice, to get corrected and up to code which prevented me from finishing my property. Ive been struggling to get things done in my building and pay my mortgage for the last year. I had not missed any payments until XX/XX/XXXX. I was able to get a forebearance in XXXX because I work for the government and did not know if I would be affected greatly by the government shutdown. Now Im struggling to make payments because I have to make repairs to my home due to it not being completely renovated. For example my pipes burst due to the Polar Vortex in XXXX which cost me a lot to repair. The pipes froze because I dont have any walls up in my first unit. I had about 13 or more busted pipes. I called Loan Depot on XX/XX/XXXX to see what options I had. I was told I could extend my forebearance and they sent me a modification package which I have not received. Today XX/XX/XXXX I called to extend the forebearance and i was told I couldnt. I cant believe I was lied to. I am so upset that Im struggling due to their negligence and they wont help me. I also begged Loan Depot last year to close my fha case so I could refinance they said they would and did not do so. I am paying way more in interest than I should be and cant even refinance to save money to finish this renovation. I cant get help from other banks because my building is not completed. This has been a really bad experience. Im upset that my credit score may decrease as well. I have all of my emails from Loan Depot if needed. I also have pics of the work from the contractor that failed. I also have all my docs from the complaints I made about the contractors and consultant. I hope I can get some help!!!
Product: Mortgage

Myself and My Wife are very confused at the way CHASE BANK is handling our mortgage transfer to another servicer. We recently received a letter from Chase stating that we should not send any more payments to them that they no longer service our mortgage, which we have no issues with what so ever. the thing that we have lost sleep over and confused us is the fact that the letter is signed by a XXXX XXXX and it says we will receive instructions from XXXX XXXX but it also says we will be sending future payments to XXXX XXXX at another entity when the same XXXX XXXX signed the letter attesting to the fact that he is clearly an employee of Chase a managing director, where the letter says not to direct any payments to. So my wife asked how is he working at both banks isn't that a conflict of interest. Which bank does he actually work for? and how isn't this the most confusing mixed message ever?
Product: Mortgage

I am retired and on a fixed income. I purchased my home in 2008. Turning XXXX in XXXX, my XXXX is lowered due to payment to XXXX. I also can not get a part-time job because of Covid. Knowing that this date was coming soon, I contacted five different mortgage agencies to refinance my conventional mortgage which included my current mortgage holder. All responded that a refi was not possible because of the income to debt ratio. I contacted my current mortgage holder to get a loan modification to lower the payment. Their final answer was no. " PM  has a proprietary loan modification program to assist struggling homeowners with their mortgage payment. Unfortunately, we were unable to approve your modification request under this program. Reasons for the program denial include : Default Not Imminent. Other alternatives to foreclosure which may be available to you. If your mortgage payment is unaffordable and you are interested in transitioning to more affordable housing, you may be eligible for a short sale or deed-in-lieu of foreclosure. '' It also said ... '' Upon completion of either program, you may receive a cash incentive. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

After making several calls to Equifax explaining that my identity has been stolen I have been instructed to send them the identity theft report to have this information permanently deleted from my credit but they keep saying they are not getting the identity theft report but I have sent several times without these items being deleted.
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 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 an 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: Money transfer, virtual currency, or money service

Hi This is XXXX XXXX and my account of Gemini financial got froze by myself due to unidentified login .now I have changed my password and want to unfrozen this, but I didn't get any reply from them to get this unfreeze.please help to unfreeze and withdraw my fund from there. 

Email XXXX XXXX
Product: Money transfer, virtual currency, or money service

As of XX/XX/21 PayPal closed my account for no reason and will not help me with getting it back up and going. I have conducted business with PayPal for years and have never had a problem. I received an email from them stating that I was selling XXXX material through them, however the only XXXX related items I sell are XXXX XXXX websites throughXXXX. Not one of the website collects money from visitors, or has a PayPal payment gateway on the site. I sell many other items on XXXX which are not XXXX products at all and have to use the same PayPal account for all, as multiple accounts are not allowed with PaPal. I have not violated their TOS ... I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for hours now, as no one answers the phone. The time I did get through, the lady said it is final and she could not tell me anything further, that it is decided by another dept. If I have done something wrong at least give me a chance to fix it! They are also holding my funds for up to 180 days. Please release my money immediately, if I can not have my account back. I remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX XXXX
Product: Credit reporting

I know that my rights are being violated. I 've been disputing accounts that I know are either inaccurate or do not belong on my credit report and not only am I receiving statements that these have been " verified '', but my proof of said inaccuracies are being ignored. 

I 'm perplexed as to why I 've received statements that there will no longer be any investigation into accounts that I know do NOT belong to me. Per XXXX, the CRA 's can not just state that the creditor said that the name, date of birth, address and social security number match mine. That is not legal verification and the only form of which would be firsthand knowledge - having the docs in their possession. If they had that information, they would have sent it over to me inconsideration of the fact that I 've been disputing these since XXXX 2016. I either need to see the documentation or they need to be removed, as the XXXX XXXX XXXX accounts do not belong to me. The only items that allowed to be on my report are those in which there was an agreement to pay or owe the debt. I did not owe to pay or owe these debts and they need to come off immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS ACCOUNT IS INACCURATE AND UNAUTHORIZED AND WAS NOT GIVING MY WRITTEN CONSENT TO REPORT ON MY CONSUMER REPORT. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX BANKRUPTCY
Product: Debt collection

citi management group has called my phone XXXX times the last XXXX days. I answered the call today, and attempted to give them my bankruptcy info which they told me I have a fraud case pending against my ss number. I quickly hung up, they have called me back XXXX times since then.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I ordered a XXXX  ( gym equipment ) from an online store known as XXXX XXXX XXXX XXXX XXXX XXXX XXXX however, I paid {$340.00} via a Swedish financial company known as Klarna for this item. I never received an email confirming my purchase from XXXX so on XX/XX/XXXX I filed a dispute via Klarnas app. They recommended I email the store support line. The only time Ive been able to get a response from XXXX was on XX/XX/XXXX in which they said, we are experiencing unusually large volume so orders may be delayed 2-3 days. I continued to email their support line on XX/XX/XXXX and XX/XX/XXXX with no response. I have since emailed their support line countless times without any response. Klarna told me to wait for their investigation team to reach out to the vendor, but on XX/XX/XXXX I ended the dispute. I did this because I had messaged with multiple Klarna representatives from XXXX XXXX XXXX who all gave me the impression that there was nothing they could do to compel the vendor to send me my item. Ultimately, I dont even want the item I ordered anymore, I just want my money back. Well this morning after emailing with a Klarna representative regarding my issue, a rep named XXXX said, ( direct quote ) As we act as a financier in transactions, Klarna is not in any way responsible for the goods or services you order or purchase from merchants, including, without limitation, the quality of such goods and services and how and whether such goods or services are delivered. Please also see our Terms & Conditions that were agreed to upon using Klarna. 
You are welcome to re-dispute the order, but Klarna is not liable for the order delivery. 

So basically Klarna took my money the vendor they represent has dropped off the face of the earth and now Klarna is saying that they have no responsibility in the matter whatsoever because I signed their terms and conditions. This is extremely predatory and I feel as if I have been scammed by a large financial institution. XXXX XXXX XXXX is also an abomination, but I dont even know if Klarna forwarded my money to them at all. Ultimately I just want my money back. But I also believe other consumers have the right to know that Klarna conducts business in such a predatory manner. 

Ive considered taking Klarna/XXXX  XXXX XXXX XXXX XXXX claims court, but I dont have the money or time for that. Please help me.
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 XXXXXXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed with Experian on XX/XX/XXXX via Certified Mail regarding these accounts : XXXX XXXX XXXX XXXX XXXX XXXX Partial Acct # XXXX. 

XXXX XXXX XXXX XXXX XXXX Loan Partial Acct # XXXX. 
Date Opened : XX/XX/XXXX XXXX XXXX XXXX  XXXX Acct # XXXX. 

I have disputed these accounts on multiple occasions. 

They received all XXXX letters via XXXX Mail on or around XX/XX/XXXX. I have not received any of my dispute results since then. It's been more than XXXX days. The disputes are regarding multiple months that are reporting inaccurate and incomplete information on all accounts. 

Please see attached letters, credit reports, and bank statements.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter out XX/XX/XXXX to XXXX, XXXX, and Equifax. However its been more than 30 days and the credit bureaus failed to send my investigation back. That is not making sense. 

According to the law 15 U.S. Code 1681i- Procedure in case of disputed accuracy. If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or deleted the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Product: Credit reporting, credit repair services, or other personal consumer reports

the former address in my Experian credit report appears two times. the second time appears as multifamily. 

Swapped addresses in my XXXX  credit report. It shows my former address as my current one and vice versa.