23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I made XXXX transactions to my Credit Karma account on XX/XX/XXXX. XXXX for XXXX and the other for XXXX. I reported to XXXX 's ( the company ) that I hadn't received the products I orders ( a pizza ). I tried to do this same transaction a total of XXXX  times, but it kept telling me that the funding was insufficient, so I tried with a different card. The Credit Karma account was charged for the XXXX charges I reported earlier in this report. These transactions showed up on my account as pending, but the amounts had already been taken out of available balance. These showed up for several days, XXXX days, that was the time that I should have been refunded the money. I called Credit Karma and they told me I had to wait 15 days for the pending charges to be refunded to my account. I called XXXX 's corporate office and was told that the funds had already been distributed back to the banks. I called Credit Karma again with the information I got from XXXX 's corporate office and got the same scripted answer. I decided to print my transaction history, which had shown the pending transactions and discovered that both of them were not on my account statement. I called Credit Karma about the charges not being on my account and was informed that since they were pending they removed them from my statement. Since I didn't see the transactions and didn't copy my statement before the transactions were taken off, I had no proof that the transactions had actually happened. After requesting to speak to a supervisor ( who talked extremely fast and was hard to understand ), I was told almost the same scripted answer as the call center lady said. I requested to receive a copy of my statement showing that the transactions had been taken off or that they were still pending and was told they were unable to provide that information. I then asked for an email to show that there were transactions made that day. They sent me an email copy of these charges. While I was talking to the supervisor, I received XXXX emails other emails from Credit Karma. XXXX was about how to open a dispute and the other was to tell me my card had been deactivated and a new card would be sent in XXXX or XXXX billing cycles. Right now, Credit Karma is showing my balance as {$470.00}. I asked them several times over the last XXXX  days to return my money to me, but I keep getting a scripted answers.
Product: Debt collection

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), the credit bureaus are required by federal law to permanently remove the following account when an individual is able to furnish a report they are a victim of identity theft. I did that and they initially removed it but the creditor simply changed the account number from XXXX to XXXX but they should be able to clearly notate the account balance is the same. Hence, Ive included a FTC report for you to remove CKS Prime Investments under 12 XXXX XXXX XXXX under the account number XXXX from my credit profile as Im a victim of identity theft. 

CKS PRIME INVESTMENTS Account number : XXXX Additionally, according to Section 611 ( procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] in relation to reinvestigation, youve violated Requirements Relating to Reinsertion of Previously Deleted Material ( i ) Certification of accuracy of information. Please permanently remove the following fraud account from my profile. I'm asking for your assistance so CKS Prime Investments should never be able to report this fraudulent account from my profile regardless of them changing the account number.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX i sent in a dispute asking Transunion and XXXX to delete collection account from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX A debt validation was done by XXXX and the account could not be verified so therefore XXXX deleted the Collection account. Since then i have sent multiple disputes to Transunion and XXXX for this collection to be deleted.
Product: Mortgage

FEMA redrawn the map in my neighborhood and it was determined to be a flood zone. Round Point Mortgage Servicing LLC sent me a letter dated XX/XX/XXXX but which i received XX/XX/XXXX stating that i needed to get flood insurance as per Floor Disaster Protection. 
I proceeded to contact my insurance agency and got a flood insurance as per their request. As per the agent and the insurance company, the policy wont become effective for the next 30 days which will be XX/XX/XXXX Roundpoint Mortgage Servicing received the policy information for payment and they proceed with payment which i saw as well because i got an email confirming that an " Escrow payment '' for the amount of the policy was made. 
About a week and half later, i received a letter stating that i needed to purchase flood insurance. Although i knew they had paid it, i called the number on the letter and explained to the person that i already purchased the policy and the lady was able to see that i had done so. 
However, the lady stated that my insurance policy needed to be backdated to XX/XX/year> which was even prior to them even drafting the letter that they sent to me. I explained to them there was no way to back date the policy and the lady told me they were going to force place their insurance on my behalf XX/XX/year> i received a letter confirming they purchased the insurance even though i had already purchase mine with the intent to charge me a crazy premium being aware of the policy i had purchased. 

There are a couple of problems here. 1 ) They are not recognizing my policy and 2 ) they are stating my policy needed to be backdated before i was even notified by them which is not possible. I read only and i know that is nott correct as there is a 45 day window ( see quoted text below coming from XXXX XXXX XXXXXXXX ) from the date i was notified for me to obtain a policy, yet they are choosing to ignore it on purpose. 

" Notice and purchase of coverage. If a national bank or Federal savings association, or a servicer acting on behalf of the bank or savings association, determines at any time during the term of a designated loan, that the building or mobile home and any personal property securing the designated loan is not covered by flood insurance or is covered by flood insurance in an amount less than the amount required under XXXX, then the national bank or Federal savings association, or a servicer acting on its behalf, shall notify the borrower that the borrower should obtain flood insurance, at the borrower 's expense, in an amount at least equal to the amount required under XXXX, for the remaining term of the loan. If the borrower fails to obtain flood insurance within 45 days after notification, then the national bank or Federal savings association, or its servicer, shall purchase insurance on the borrower 's behalf. The national bank or Federal savings association, or its servicer, may charge the borrower for the cost of premiums and fees incurred in purchasing the insurance, including premiums or fees incurred for coverage beginning on the date on which flood insurance coverage lapsed or did not provide a sufficient coverage amount. ''
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 Account # XXXX, has violated my rights. 

DEPT OF EDXXXX Account # XXXX, has violated my rights. 
XXXX, XXXX Account # XXXX, has violated my rights. 
XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX  Account # 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, credit repair services, or other personal consumer reports

im a victim of identity theft and i have about 24 hard inquires that keepin me from building back up my credit score
Product: Debt collection

XXXX XXXX wanted to charge me the full monthly price of XXXX to terminate my contract ending on XXXX XXXX XXXX, but with access ending on XXXX XXXX XXXX. There was no clause my in my contract I would only have 10 day access for paying the full amount of the final month. The claim was " so that I would not be billed again. '' If that was the case, they should have charged me the prorated rate. There was no clause in the contract that my access to the gym would terminate early. The debt was disputed within the legal time frame of 30 days, so it not a valid debt because it is disputed. ABC financial continued their attempts to collect and have sent it to a third-party for collections. Please see attached documents.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act U.S. DEPARTMENT OF EDUCATION Account # 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

On four separate occasions I have sent the ask for documents to all three credit reporting agencies in hopes of removing an Extended Fraud Alert I placed on my credit accounts in a mistaken effort to restrict access to my credit. Somehow this alert is for ten years and turns out was n't needed now I virtually have no credit at all and am denied credit everywhere even with an XXXX credit score, this prevents me from obtaining certain services in my XXXX XXXX fight. In the end my concern with my credit may actually XXXX me.
Product: Vehicle loan or lease

In XX/XX/XXXXc my husband and I went to XXXX XXXX XXXX XXXX in XXXX WV. I traded my car in for a XXXX XXXX XXXX XXXX. Upon them running our credit they came back and let us know we were approved through a lender called Firsr Investors Financial Services. My payment was in the {$500.00} range. Upon signing the contract with XXXX, the Finance manager told us our magic word was going to be yes he told us that First Investors would be calling us and asking various question about the vehicle, such as Does it have running boards, does it have a sunroof, does it have a toe package? The finance manager told us the only way the loan could get approved is if we lied and said yes to all of that. Despite my better instincts I followed his advice. My husband was laid off in XX/XX/XXXX, we decided to voluntarily let the XXXX go back due to financial difficulties and we had already exhausted all our our extensions with First Investors. According to my credit report, our vehicle loan was charged off and sold to XXXX XXXX XXXX, however we havent recieved anything from them or First Investors stating where it was sold and for how much. Ive tried to contact First Investors via email and phone but havent had any response. According to my state, WV, limitations, a company has 2 years to get you the auction information on the balance of a vehicle thats been repossessed. My husband and I are still waiting. We feel like since its been this long it should be removed from both of our credit reports, and the loan contract we signed was for a XXXX XXXX that had all the bells and whistles, not the one that was repossessed.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been 60days and I have not received my results back from the credit reporting agency. This action is grounds from immediate/prompt removal/deletion of all disputed items on my consumer report.
Product: Payday loan, title loan, or personal loan

due to the current pandemic, i am unable to work. in XXXX california, where i reside, all non essential entities have been ordered to close or severely curtail their services etc. i am an XXXX XXXX and i am XXXX XXXX XXXX. because of my heightened risk for exposure to covid 19, i am following all social distancing protocols which further preclude me from carrying passengers in my vehicle. 

i have a 10,000 high interest loan from personify financial. i have reached to the company to discuss ways by which a viable and equitable payment arrangement can be worked out. because this is a very high interest loan, at 98 % annually, i requested that the interest on this loan be suspended or waived for the time that the pandemic is a health and safety issue. they have refused to assist in any way. meanwhile the interest is accruing daily and increasing the total outstanding amount. these loans are not designed to be paid off according to the amortization period of the loan which in this case comes to over {$33000.00} over three years on a {$10000.00} loan!!! my sincere intention when taking out this loan last year was to pay it off in a relatively short amount of time. but due to covid 19 those plans are no longer viable. 

in addition, this loan product was recently made illegal in the state of california by the legislature. this type of loan can no longer be offered to consumers in the state of california due to the exorbitant rate of interest. consumers such as me who happened to take out this loan before the legislative action are now stuck/in limbo in attempting to abide by the unfair and unconscionable rate of interest that the company is charging. 

PLEASE HELP ME!!!!!!!!!!!!!!!! I HOPE YOU CAN REACH OUT TO PERSONIFY FINANCIAL AND OFFER SOME REMEDY TO MY DILEMMA. 

Thank you in advance.
Product: Credit reporting or other personal consumer reports

9. CFPB Complaint Against Equifax Filing Date : XX/XX/year> Dispute Filed Date : XX/XX/year> Subject : Failure to Conduct a Manual Review of Dispute as Requested Use of E-Oscar System Summary of Issue : On XX/XX/year>, I filed a dispute with Equifax regarding inaccurate information on my credit report. I explicitly requested a manual review of the disputed information due to the complexity of the inaccuracies and submitted highlighted copies of my credit report with the incorrect information clearly marked. However, Equifax processed my dispute through the E-Oscar system rather than conducting the manual review I requested, which violates my right to a proper investigation. The response I received from Equifax was unsatisfactory, vague, and did not address the specific questions I raised. 
Equifax Response : Equifax used the E-Oscar system to electronically send a notification of my dispute, including a summary of relevant information, to the furnisher of the disputed information. In their response, Equifax stated : THE FURNISHER REVIEWS THE INFORMATION PROVIDED, CONDUCTS AN INVESTIGATION WITH RESPECT TO THE DISPUTED INFORMATION, AND REPORTS THE RESULTS BACK TO US ELECTRONICALLY ... EQUIFAX MAY USE A BUSINESS VENDOR TO OBTAIN THE MOST RECENT FILING FROM THE PUBLIC RECORD SOURCE. 
This response failed to address my specific request for a manual review, and Equifax provided a generic response about their standard procedures rather than directly answering the questions I posed.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  account # XXXX, has violated my rights 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Product: Checking or savings account

On XX/XX/XXXX chime closed my account would not give me a answer or call I called them and they had no no answer they said my account wouldnt comply with theyre policy after sending all the information and documents they asked I still had no answer and they charged me back and closed my account and blocked my phone number to reach a live agent as I provided all the information I felt like I wasnt personally helped it was all automated messages even when closing my account for a reason the cant tell me
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of fraudulent accounts and inquiries from my credit report. I am a victim of a data breach, and under the provisions of 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I request that the following accounts and inquiries be blocked and deleted from my credit file. 
Fraudulent Accounts : XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$280.00} XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$750.00} XXXX XXXX XXXX XXXX  - XXXX - XX/XX/XXXX - {$73.00} XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$00.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$6100.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$1200.00} Fraudulent Inquiries : XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX # XXXX, sent me an XXXX Application : On XX/XX/XXXX, My Physician and I filled out the application and sent it in. XX/XX/XXXX I received a response saying they were reviewing my application and XX/XX/XXXX they replied my physician did fill out the application. I have proof and the account is old.
Product: Mortgage

This is the third complaint that I'm filing against this company on how they apply my mortgage payments. As of the time of my writing, I have {$6000.00} in non interest bearing account called " UNAPPLIED PAYMENT '' that they did not apply to my account so that my interest can be reduced. I have called several times- asking them to apply all my monthly excess payments towards principal. So far, they have not done so. I will like to know how my loan can be moved from this loan servicer because they're costing me money and I don't trust them because of their actions so far.

They also charged me {$97.00} for some nonsense that they did not notify me about. Thanks
Product: Checking or savings account

On XX/XX/XXXX I was robbed and became a victim of fraud and lost XXXX dollars. I submitted the fraud claims as soon as I found out. I also obtained a police report and submitted that. After several hours of sitting on hold with BOA XXXX department and getting nothing accomplished I began reaching out to supervisors, still BOA continued to give me illegitimate reasons why I was unable to be reimbursed. The transactions made were all from establishments with cameras that can easily be viewed and identify that it was not me making the transactions, so I'm unsure of what kind of investigation was done. BOA told me that because " it was highly unlikely that someone would be able to guess my PIN '' I thought that was supposed to be there security feature to protect me! They also told me that I was " receiving notices on my phone of fraud '' that to this day I do not have. Another excuse they tried was that " I didn't try to empty my account '' which I did. After filling a complaint with CFPB BOA resolutions department reached out and did was able to expedite the process and get some things resolved. I have a XXXX XXXX of every letter I received from BOA and every person I have talked to. I received a letter on XX/XX/XXXX stating that a claim for XXXX dollars has been resolved and that the account has a permanent credit. Yesterday I received a letter dated XX/XX/XXXX stating that the same claim was not approved. I think that BOA is coming up with excuses to try to steal my money. I have flooded there media with complaints and am getting exhausted with this process and just want to part ways with this bank but they wont take the restrictions off the account so I can close it. I am a career firefighter and integrity is a trait we need to hold, I feel as if BOA is questioning my integrity and trying to steal my money! I need help!
Product: Consumer Loan

In XXXX 2014 I needed to replace my old vehicle. I regretfully purchased one from a dealership which led me to believe that due to my credit situation the financing deal that they got me was the best that can be done. They informed me to revisit them in 8-10 months to refinance. The cost of the vehicle was {$9500.00} at an interest rate over 20 %. Nonetheless, I signed the contract and for over a year and a half, the balance barely declined. I did go back to the dealership after 10 months as well as tried to refinance on my own only to be told that I was upside down. The {$9500.00} vehicle was only worth about {$2000.00}. No one would give me a loan. I was doomed. I feel as though 20 % was outrageous and bordering illegal. I even reached out to the bank on a few occasions requesting that they lower the rate or refinance and they informed me that was n't an option. I struggled and suffered tremendously until I got a break this year and traded in the vehicle for a lease. Of course I still had to roll in the balance owed on the vehicle but I am no longer subjected to an inflated interest rate. I 've never felt so foolish.
Product: Credit reporting or other personal consumer reports

PERSONAL STATEMENT As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX according to XXXX XXXX XXXX 1002.142 ( b ) ( 4 ) -5 -- | 1002.142 ( b ) ( 7 ) .I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair CreditReporting Act. I am a victim of human trafficking of Debt Bondage and would like for all listed accounts to be blocked and deleted Transunion. Please delete the following accounts XXXX XXXX {$200.00}
Product: Credit card

I have an American Express credit card. I've been a loyal member for over 10 years and have never been late on my monthly payments. I use my credit card often for business related expenses. This credit card is important for keeping my business running smoothly. I just recently made a {$2000.00} payment on my card. I went to use my card, and I was declined. I immediately contacted American Express, and they said they were freezing my account. I was completely blind-sided. I'm making my monthly payments so why would they freeze my account. This has a huge impact on my business. They offered me a solution which was really a solution at all. They would give me 3 days to make {$7000.00} payment in order to keep my credit card active. I requested that they give me 1 month to make a {$7000.00} payment and I was denied. I feel unfairly treated especially since I've been with them over 10 years with zero-late payments. I just don't understand how this could happen. Thay are making plenty on interest when I'm carrying a higher balance. I would understand had I missed a payment but that is not the case. I hope there is something you can do, or some advice to help with this unfortunate situation. 
Thank you, XXXX XXXX