23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX : # XXXX, 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: Mortgage

I 'm a single mom. My primary house that I live in withMy daughter is in foreclosure. I have been tryingto modify the with Kondaur Capital corporation loan # XXXX .. I complied with all the demands but theyrefused the modification and only gave me option toeither to do a short sale or foreclose on the house. 
I accepted to go for short sale because I cant afford thelawyer fees. Even with the short sale they pressured meto use their own agent and to sign a document that denyme all my rights in the house and when I complainedand wanted to use my own agent they cornered mewith a high listing price that is higher of the market priceXXXX more .. which makes it impossible to selland they limited the time and commission to the agent. 
that if I do n't sell in the given short period they are notapproving the short sale and they are going to courtthey keep pressuring me to give up my house and pushingme to pay lawyer that is costing me lots of moneythis is my primary residence and my daughter goes toschool .. it is very hard to relocate now.
Product: Credit card or prepaid card

After applying for a Chase XXXX XXXX Visa Credit Card advertised with no annual fee for the 1st year plus XXXX XXXX XXXX on XX/XX/2020 at Chase.com, I was surprised to see a annual fee charge for {$49.00} on my Chase XXXX XXXX Visa. The annual fee for {$49.00} was not supposed to be charged for the first year per the Chase pricing and terms. We have been good customers of Chase Bank and have the Chase Freedom and Chase XXXX cards. We spoke to Ms. XXXX XXXX, Personal banker at Chase in XXXX and she said the problem was escalated to the Credit Card Consumer Service Division with Chase per her conversation with that department. We talked with several XXXX Customer Service Reps including XXXX and XXXX XXXX and they did not understand why we were charged the {$49.00} annual fee the first year since it was advertised as {$0.00} annual fee for the first year. We were told the credit card was managed by Chase Bank so the problem couldn't be handled through XXXX. We have enjoyed a good relationship with Chase bank but are very frustrated with this bait and switch advertising for the Chase XXXX XXXX XXXX. If this is happening to us, chances are it is happening to others. See the terms and conditions for the Chase XXXX XXXX Visa at Chase.com and also the promotion at the XXXX App.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please delete the following accounts completely from my Credit Reports : XXXX : XXXX XXXX  Date of Inquiry : XX/XX/2020 XXXX XXXX XXXX Date of Inquiry : XXXX/XXXX/202 XXXX : XXXX XXXX Date of Inquiry : XX/XX/2020 XXXX Date of Inquiry : XX/XX/2020 TRANSUNION : XXXX XXXX Date of Inquiry : XX/XX/2020
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. I was going through my records & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be opened due to identity theft. Here are the disputed items that did not belong to me. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I sent a letter regarding inaccurate and unknown things on my credit report. As of 60 days later I have not received any response. Im currently being taken advantage of and bullied by these agencies, and my disputes are being ignored by the credit agency. Section 611 ( a ), it clearly states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Currently is has been over 60 days and these incorrect items need to be immediately removed and deleted promptly. I demand these accounts be deleted immediately or I will be forced to file for litigation This situation has caused me a numerous amount of XXXX. I have been a victim of Identity theft and also my personal information was impacted by the Equifax data breach and may have got into the hands of the wrong person.
Product: Checking or savings account

I went to an ATM on Wednesday, XX/XX/2023 around XXXX PM to try and withdraw {$330.00} from my account. The debit card I used was my XXXX XXXX  and the bank was Renasant bank. Before I tried to withdraw the money the ATM let me know that the receipts werent printing and I continued because I had used that atm several times. When I put the amount in that I wanted to withdraw and continued the atm took longer than usual to process and I saw I quick error message that I wasnt able to get a picture of. The money didnt dispense and the atm gave me my card back. I called XXXX XXXX XXXX as soon as this happened and they told me I would have to wait until the transaction wasnt pending anymore. I went inside the Renasant bank and tried to explain the situation and they said there was nothing they could do because XXXX is a different bank. Im wondering what steps do I need to take to get the money that I didnt receive back on my chime account. The location of the Renasant bank atm is XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX
Product: Credit card or prepaid card

My name is XXXX XXXX XXXX from XXXX Arkansas while on vacation in XXXX New Mexico and shopping at a mall on XX/XX/XXXX I was spending money on my kids. I have XXXX children XXXX girls and XXXX boys. After XXXX spending {$2700.00} my PayPal XXXX XXXX Account was imposed by " account limits '' requiring me to upload documents to verify my identity. I did that before I left the parking lot at the mall. For days I messaged customer service to advise why the limits had not been lifted. Never one single response until Saturday afternoon I got a notification that PayPal was closing my account with a CASH BALANCE OF {$8000.00} AND THEY WERE HOLDING MY MONEY FOR 180 DAYS ( 6 MONTHS ) AND THEN I WOULD GET AN EMAIL EXPLAINING HOW I COULD TRANSFER MY MONEY! That's pure theft! 
My PayPal account : Email is XXXX Phone : XXXX Address : XXXX XXXX XXXX, XXXX Arkansas. XXXX PayPal XXXX XXXX Account MasterCard Debit XXXX XXXX XXXX XXXX Valid until XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have multiple fraudulent inquires on my credit Report none of which I Have NOT authorized to do so the FCRA states hese need to be removed such as XXXX  on XX/XX/2022 and XXXX  on XX/XX/2022 and XXXX  XXXX on XX/XX/2022 and XXXX XXXX XXXX  on XX/XX/2022 and XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX on XX/XX/2022 and XXXX XXXX XX/XX/2022 and XXXX XXXX XXXX on XX/XX/2022 and XX/XX/2022 and XXXX XXXX XXXX on XX/XX/2022 and XXXX XXXX XX/XX/2022 and XXXX XXXX XXXX  on XX/XX/2022 these need to be removed
Product: Credit card

Early Tuesday morning, I received a " Card Not Present '' email notice from Amex o Merchant was XXXX o Charge was {$490.00} o Card number ending in XXXX was one I did n't recall o Called my wife XXXX asked her what did she buy at XXXX XXXX ( woke her up, that did n't go so well ). Asked her to read me her card numbers, no match. 
Called Amex, spoke with XXXX ID XXXX XXXX told me our card ending in XXXX was canceled in 2013 ; there may be some continuity accounts, I formally disputed the charge, she said they would monitor the pending transaction. Only be concerned if the {$490.00} charge posts. 
I seem to recall the card was canceled due to being notified by Amex replacement cards for my account were being sent to XXXX Florida. We live in Georgia. Called Amex, they said do n't worry we will issue new cards to you. Next day I receive a XXXX tracking number for the cards going to Florida. Called Amex, they said do n't worry that card has already been canceled. Called the local Georgia police department, thought they may be interested notifying Florida police so they could apprehend the Florida criminal ( s ). They could n't be bothered. 
Wednesday evening an email from Amex tells me the disputed charge has posted. 
o I look at my account, there it is, posted to our current XXXX Amex account number Next day, completely unexpected, a hideously ugly shirt, XXXX I would never wear, shows up in our mail box via USPS o Oh XXXX, now we merchandise o Is this related to the nearly {$500.00} charge? My wife XXXX does n't see how it could be, but I 'm suspicious Who in his right mind would pay {$490.00} for a really ugly ( XXXX brand ) shirt? Check out this " XXXX '' website and their prices : XXXX A call to XXXX confirms the {$490.00} charge is for the shirt o Called Amex again, asked for their fraud department. They say this makes no sense as compromised cards should no longer be valid or ported to a new account after 45 days. 
Nonetheless Amex accepted the charge from XXXX off a card canceled in 2013 for {$490.00}. 
o Called XXXX, ( 1 hour and 30 minutes ) they say, due to security reasons, unless we can provide the " G-Mail '' address of the XXXX account associated with our canceled Amex card, ( I have never had a " G-Mail '' address ) they can not allow us to access the account, nor can they authorize a return for the {$490.00} shirt, nor can we cancel that XXXX account. 

The above is not the whole story ... 
There have been numerous other phone calls to Amex and XXXX not to mention requests to escalate this issue to higher ups. 

This is the classic Catch 22. We ca n't cancel the bogus XXXX account because we do n't know the criminal 's email address, and we ca n't get a commitment from Amex that no more charges will post against our Amex account number canceled in 2013. 

Not only that if we cancel our Amex cards now, we will forfeit our XXXX cash back dollars. 

It appears the crooks are now smarter than Amex and XXXX combined. 

Not sure what happens next.
Product: Money transfer, virtual currency, or money service

I requested WorldRemit Corp. to transfer {$340.00} to a family friend 's XXXX account in XXXX, on XX/XX/2023, but it was not delivered on that day as i expected. On XX/XX/2023, i received an email confirmation from them that funds have been delivered, but the beneficiary denied receiving it when i called her. Meanwhile, this is the 2nd transfer that i did to her, the 1st ( sent on XX/XX/2023 ), was delivered successfully the following day. I notified XXXX remit immediately, and they promised to contact their partner in XXXX, but they never got back to me. I kept calling their customer service twice daily for about 5 days consistently, waiting for between 30 minutes to 1 hour before they answered the phone on each occasion, but they kept repeating the same information that they were contacting their partner in XXXX. They later provided some numbers that the beneficiary should take to her bank to track the funds. She went to 2 different branches of her bank and was told that the number provided was useless. I later got a call from WorldRemit on XX/XX/2023 after I left them a negative review on the XXXX XXXX website, they were requesting me to ask my friend to provide her bank statement to prove that she didn't receive the funds, i think that is ridiculous. I worked as a bank cashier in XXXX for almost 7 years, I know how things work there. I presently work as a XXXX XXXXXXXX in XXXX, whenever I send wires to clients, I either provide a screenshot or download a confirmation as evidence of payment to be sent to the beneficiary. I have asked them to do the same for this transaction but I haven't heard from them. Hence my submission of this complaint. Kindly ask them to either provide concrete evidence of the transfer to my beneficiary or refund my {$340.00}.
Product: Student loan

PSLF RUNAROUND. I QUALIFY AND NOW BEING TOLD AFTER TRANSFERRING THE LOAN SOME TIME AGO BASED UPON XXXX   RECOMMENDATION THAT MY ACCOUNT DIES NOT QUALIFY. DECEITFUL CONVOLUTRD PRACTICES. DEALING WITH THIS SINCE XX/XX/17. PAYED ON THE LOANS FOR NEARLY 20 YEARS AND NOT ONE DIME IF PRINCIPLE HAS BEEN PAID DOWN. A DISGRACE.
Product: Money transfer, virtual currency, or money service

my mom and her XXXX XXXX dude XXXX along with multiple other family members have collected my trust sgares i was intitled to not to mention my mother cashed in my birth certificate bond. i git bank note to prove that aswell. along with a number of other frwudulent crimes in my name. they used XXXX, paypal, and XXXX XXXX, and XXXXXXXX XXXX to do the crime
Product: Credit reporting, credit repair services, or other personal consumer reports

ATTN : Legal Department, This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FCRA ), section 623, subsection ( 8 ) ( D ). The specific information under dispute is the derogatory nature of the information your agency has furnished to the credit reporting agencies in connection with the following accounts : The basis for my dispute is that, as I understand the code, your office was required to notify me, in writing, prior to, or no later than 30 days after furnishing any negative information to the consumer credit reporting, that such information was being furnished. This notification is required under the FCRA, section 623, subsection ( 7 ) ( A ). To date, I have not received any documentation in compliance with this section. 
I am requesting that you provide me with proof of notification, i.e. a copy of the actual notification sent, and proof that it was delivered to me in a timely manner. 
If you can not provide proof of notification and date of receipt then you can not substantiate that you complied with the procedures required under the FCRA. In which case, the continued reporting of negative information to the credit reporting agencies in connection with the aforementioned accounts may constitute the reporting of false information, causing damage to my reputation and future credit worthiness.

To resolve this situation, I ask that you investigate this matter, and modify the accounts accordingly. I also ask that you inform the appropriate credit reporting agencies of your actions, and ask that they make the proper updates to the accounts at issue.

It is my understanding that the FCRA 623 ( 8 ) ( E ) ( iii ) establishes a timeframe for these issues, and that section 621 of the FCRA supports my request in this matter. I have also requested the guidance and support of the Attorney General 's office. The items that appear on my credit report as XXXX XXXX XXXX. I have never done any business with this company and I demand a full investigation. I do not recall any payments or anytime timeline of activity ( DOLA ) with XXXX XXXX XXXX or XXXX.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 


I told XXXX, Transunion, and XXXX to reinvestigate these accounts : Account name : XXXX XXXX XXXX  # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX # XXXX Account Name : XXXX  Account # XXXX. 
Account name : XXXX XXXX # XXXX Account name XXXX # XXXX Account name : XXXX XXXX  # XXXX Account name : XXXX XXXX XXXX XXXX Account name : XXXX  # XXXX Account name : XXXX XXXX & XXXX XXXX XXXX Account name XXXX XXXX XXXX  # XXXX Account name XXXX XXXX XXXX XXXX XXXX Account name XXXX XXXX XXXX # XXXX Account XXXX : XXXX XXXX # XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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

Report Number : XXXX Date Ready : XX/XX/2023 Source : Experian Above is the Experian Report Dispute number and reporting number. : this is Experian noted results : XXXX XXXX XXXXXX/XX/XXXXAccount XXXX Verified and Updated The information you disputed has been verified as accurate ; however, information unrelated to your dispute has been updated The collection company has also reported on other credit reporting agencies and they have been removed.off my report. This collection company can not provide a contract or proof of alarm service. The alarm service is reporting the service address as XXXX XXXX XXXX XXXX. XXXX XXXX NV XXXX. I have not lived at that address in over 11 years. Please ask Experian to remove this collection agency 's false and incorrect information please.
Product: Debt collection

This company ( Portfolio Recv Assoc ) which I hold No Contract with nor have received services from is a 3rd party agency who has no right to collect anything from the alleged debtor since there is no way they can prove they were on any original contract. 73 Amjur, 2nd, Section 90. You have no right to subrogate ( substitute ) yourself into  a contract. Whether it be by purchase, assignment, transfer, or trade. If you bought the debt you did it on your own behalf. Not at the request of any alleged debtor, and therefore are a stranger to the transaction ( voluntary payee ). Reporting of this debt is a violation of the FCRA and the FDCPA. Ive conducted some research on this company and in the state of Missouri this company is not Licensed, Bonded, and does not have a Certificate of Authority to collect in the state of Missouri. This is against the state and federal laws. According to the FDCPA : Under the Act, a debt collector communicating with persons other  than the consumer for the purpose of acquiring location information about the consumer shall not : use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt ; 28. The Missouri Department of Financial Institutions is statutorily charged with the licensing, supervision and regulation of state-chartered financial institutions and enterprises. They are in Breach of Contract by violating the Arbitration Clause. Once a company charges off the account and sends it to a collection company they are in breach of their own contract. This is against the FCRA. Rescission of Contract '' Refused for a cause without dishonur. I hereby rescind my signature and do not consent to this contract with your corporate office. Required Proof of Claim I would be happy to settle any financial obligation I might lawfully have to you, as soon as I have received proof by way of the following Documentation : against me, a Flesh and Blood Woman with my XXXX Given name ( XXXX XXXX  : house of XXXX ). 1. Validation of the debt ( i.e. the actual accounting showing <house of XXXX : XXXX real losses, if any ) ; 2. Verification of your claim against me ( a Sworn affidavit or a hand signed invoice in accordance with The FDCPA, GAAP, and the FTC
Product: Credit reporting or other personal consumer reports

This account was charged off on the following date XX/XX/year>. Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history. A charged off account should not include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a decision of the following account. I am demanding a deletion of the following account : Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

My name is XXXX XXXX and I have owned my home for 3 years and am in danger of losing it due to servicer negligence and an avoidable foreclosure. I am a veteran of the XXXX XXXX XXXX and was able to refinance this property with a VA loan. Due to a temporary hardship I fell behind on my mortgage payments and have been working diligently to get back on track with my servicer M & T Bank. I made the lump sum payment I thought would get my account current in XXXX, only to find out I was still behind due to all the fees and other charges they had levied on my account ; also, there was confusion due to another change in loan servicers ( there have been multiple changes in the short time Ive had this loan ). 

I could not pay anything more and decided to try to get my loan modified. I submitted multiple packages for review and after multiple denials I was finally approved for a trial modification. I made the first two trial payments, but then I was alerted that a small lien placed on my property by my homeowners association ( stemming from the same hardship period ) was going to cause M & T Bank to revoke my modification. That happened on XX/XX/XXXX, XXXXand M & T Bank then felt it necessary to set a foreclosure sale date for XX/XX/XXXX!!! I got them to postpone that sale date, but they rescheduled it for XX/XX/XXXX. 

I can make the agreed monthly mortgage payment but M & T Bank is not giving me a chance to get my mortgage back on track by rushing to sell my home so quickly. I am a XXXX XXXX XXXX veteran and am now a hard working employee of the XXXX XXXX XXXXXXXX. I also volunteer often with my churchs XXXX XXXX XXXX. In other words, Ive served my country in the military, I work now in a XXXX XXXX, and I continue to give back to my communityI do not deserve this treatment by M & T Bank. My hardship was temporary and I am back on my feet and able to afford the mortgage payment.