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. 

And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Equifax 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

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 Hey I spoke with customer service at transunion and XXXX they wouldn't take care of the negative inquiries reporting on my credit report
Product: Credit reporting or other personal consumer reports

It has come to my attention my personal information has been exposed in a national data breach. After reviewing my credit reports, I've noticed some accounts I am not familiar with. I have asked the CRA 's for Validation of Debt, however, the information has not been provided. Due to my information being expose, I have submitted an FTC complaint reporting the information I am not familiar with. Please find attached a copy of my ID, the FTC complaint, a copy of the XXXX report showing my information being exposed in a XXXX XXXX XXXX  and a Validation of debt letter
Product: Checking or savings account

On XX/XX/2023, a Temporary Restraining Order ( TRO ) was placed on my Total XXXX account by Chase Bank. Despite filing complaints with both the Consumer Financial Protection Bureau and the XXXX  I have yet to receive a satisfactory resolution from the bank. The responses I received from Chase Bank, which I have attached as PDFs, simply advised me to wait for an internal review. Even though the TRO has legally expired, Chase Bank is still holding my funds without providing any information. This is my final attempt to kindly request the lifting of the insufficient XXXX and an internal review of my case with a prompt response. 

I also want to inform Chase Bank that, as a customer, I am escalating this matter to the XXXX XXXX XXXX before proceeding with a court complaint. I am taking legal action against the bank for customer negligence and the indefinite holding of my personal funds. If Chase Bank can provide a satisfactory resolution, I will promptly drop this case and avoid any further escalation. 

Thank you in advance, XXXX XXXX
Product: Checking or savings account

My account was compromised and they detected fraud so they locked my account I submitted my documents I had they still keep requesting the same documents I talk to support they all say the same, theyre no help I have a legit job and get paid weekly so I still have yet to receive my check I have kids I have to feed they dont care I dont care about getting the account back I just want my funds sent back or a check
Product: Money transfer, virtual currency, or money service

Starting the XX/XX/2016, I fell victim to a fraudulent Binary Options companies named XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( the Companies ). Money was transferred from my account to the Company via credit card for a total amount of XXXX USD utilizing USAA services.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit monitoring companies are soliciting services for modifying their own ways in a method that seems conflicting to ethical antics. They collect and share information about your credit and will change their ways if you pay them money to do a better job protecting that information. This would be like the mafia threatening to affect your business back in the day and then at the same time turning around and offering a service to protect you from the same attack.
Product: Vehicle loan or lease

I bought my XXXX XXXX XXXX from XXXX and financed it with Bridgecrest. I moved to CA and refinanced the loan through XXXX XXXX XXXX XXXX XXXX. XXXX they acquired the loan and sent a payoff check. Bridgecrest  received it and sent me an email stating the loan was paid in full. I received a letter in the mail from XXXX XXXX XXXX XXXXXXXX XXXX stating under XXXX  XXXX XXXX XXXX, that Bridgecrest has to send the lien release. I called them and spoke to a woman in the lien release department and she stated to me, " We don't send lien releases to digital states. ". This is not legal as the DMV in CA requires it be sent. Bridgecrest is on my registration to my car as a lien holder and I went to the DMV on Monday, XX/XX/XXXX and the staff there said it is legally required that Bridgecrest send the lien release immediately. I have all evidence attached. I also went to XXXX XXXX and sent a fax requesting the lien release formally. They are refusing to send me the legally required lien release which is against the law and against CA law. I need it sent to my California address asap at : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX
Product: Credit reporting or other personal consumer reports

{$130.00} collection {$640.00} collection {$960.00} collection {$200.00} collection 10 hard inquiries. 

I have submitted request for Transunion Equifax and Experian to verify that these collections belong to me and that these inquiries were done by me. I believe this to be fraudulent and I havent received any documentation showing that these belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted the credit bureaus to ask for them to verify all accounts on my credit file. They stated that all is accurate. Upon further research on my part, there are some invalid information. 

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Acct # 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 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 recently did a lease buyout on my XXXX vehicle. Both the dealer and Nissan/XXXX  XXXX, who the loan was with, told me not to make my last payment as it would be paid through the lease buyout. I asked them repeatedly if they were sure and it wouldn't affect my credit. They both assured me that it would not negatively affect my credit. Unfortunately, it has been reported as a late payment and severely impacted my FICO score. I would like this 30 day late payment to be removed from my score as it is not accurate per their direction, from the actual creditor who informed me not to pay it as it would be paid by the lease buyout.
Product: Bank account or service

I opened a PNC checking account ( performance select ) on XXXX XXXX 2016 in a local branch with a promotion of {$300.00} new account bonus. I have completed all the requirements in XXXX 2016. I have contacted PNC for multiple times about this bonus and was told I met the requirements of receiving the bonus. For my last inquiry on XXXX XXXX 2016, I was told I would get it within 10 days. However, as of today, I still have not received it yet. I have no choice but to submit a complaint regarding this issue to CFPB and hoping PNC would fulfill the promotion.
Product: Payday loan, title loan, or personal loan

I received or was supposed to receive a letter from yaw about cfpb vs XXXX XXXXXXXX XXXX but yaw sent it to my old address and it got sent back to yaw. i done alot of title loans with approved cash and if they owe me money then I want it.
Product: Vehicle loan or lease

I recently discovered that I am a victim of identity theft. So I am writing to request an EXTENDED FRAUD ALERT to be immediately placed in my credit file so that no new credit will be approved or issued until the lender first verified my identity. 
Fortunately, in accordance with the FCRA Sections 605B,615 ( f ) and 623 ( a ) ( 6 ), an identity theft report can be used to permanent block fraudulent information that results from identity theft, such as accounts or addresses from appearing on a victims credit report. Identity theft reports can prevent a company from continuing to collect debts that result from identity theft. Pursuant to the FCRA 605B ( 15 U.S.C. 1681c-2 ), please BLOCK ALL INFORMATION RESULTING FROM IDENITIY THEFT, except as otherwise provided in this section A, in which a consumer reporting agency shall block the reporting of any information in the file of a consumer identifies as information resulted from an alleged identity theft, NO LATER THAN 4 BUSINESS DAYS after the date of receipt by agency. 
I ask that you comply with the Federal Laws in place, and swiftly and permanently block the accounts, addresses, inquiries and other information that you are reporting listed on the Identity Theft Report List of Fraudulent Accounts. I am also requesting to be mailed a new credit report to my address of record above.
Product: Credit reporting or other personal consumer reports

I called Paramount Residential Mortgage Group in XX/XX/XXXX. I told them that we were having trouble making our monthly mortgage payments. They said they might be able to help me. A few days later, they emailed me with an offer. Don't make a payment for XXXX or XXXX Then, make payments on XXXX XXXX and XXXX. Make those XXXX payments and they will try to lower our monthly payments. Of course, I accepted the offer. No payment for XXXX or XXXX That would help us a lot. Then hopefully, after the XXXX payments, they'll lower the monthly payment. 
But then, a few days later, I received a call, telling me that my XXXX payment was past due. I said, no, I have a payment agreement. No payment for XXXX or XXXX. I then received call after call. For the next XXXX or XXXX days. I kept getting calls and messages, telling me that my payments were past due. 
They then notified the credit bureaus that we were past due. My wife had a XXXX XXXX XXXX credit score. I had a high XXXX XXXX. Both scores gone. This has had a huge negative effect on our lives. They made me this offer. And then, they penalized us for it. 
I've called them. Emailed them. Talked to them over and over. And all I can tell is, one person does not know what the other one is doing. 
They said they'd try to help. But no one has.
Product: Debt collection

On XXXX XXXX, 2016 I started the process to get a debt from Finance Systems of Richmond validated after seeing a trade line on my report in the collections tab. I sent a certified letter dated XXXX/XXXX/2016 to the address listed on my credit report ( XXXX XXXX XXXX XXXX, XXXX IN XXXX ) disputing this debt and requesting validation of said debt within my rights of the Fair Debt Collection Practices Act Statute 807 ( 15 USC 1962e ), which requires them to send me validation containing MY signature for the debt owed to them within 30 days of receipt of my letter. The letter was received on XXXX/XXXX/2016. No response, no validation, and they did n't mark my credit report DISPUTED, which violates the FCRA, Section 623 ( a ) ( 3 ). Already with no proof of my signature validating the debt and not marking my credit reports as be disputed, they have broken two federal laws. I sent a follow up letter dated XXXX/XXXX/2016, received and signed for on XXXX/XXXX/2016, stating to them that by not providing me with validation of the debt, by furnishing proof of contract and signature with them, and demanding removal of their trade line from my credit report immediately if no validation can be provided. Today is now XXXX/XXXX/2016, and there has been XXXX response from this agency. All letters have been ignored. I have all documentation of my attempts of correspondence with Finance Systems of Richmond and can provide them if need be.
Product: Credit card or prepaid card

On XX/XX/XXXX at XXXX AM, I spoke to XXXX ( Account Supervisor of Chase ) who confirmed that my account is being double charged on the interest for a promotion interest balance because my monthly payments are NOT being applied to the monthly interest. Instead the monthly interest is being added to the principal amount so that the principal increases monthly thereby increasing the accrued interest. Consequently, Chase is charging interest on interest every month by increasing the principal when monthly payments more than cover the interest and minimum payment due. 
XXXX informed me that although this is unfair to me, Chase does this per federal law without stating which federal law or offering to provide a copy of the federal law. He further refused to elevate this matter to his supervisor or provide an address for me to submit a written complaint. 
This is wrong. When monthly payments more than cover the minimum payment and interest payments, Chase can not be increasing the principal amount by adding monthly interest amounts to the principal balance to impose higher interest obligations on the consumer. 
Since XX/XX/XXXX through XX/XX/XXXX, the interest on the promotion interest balance has increased due to Chases practice of increasing the principal balance by adding the monthly interest to the principal and NOT applying the monthly payment to the monthly interest charged. 
I do not believe Congress intended for Chase to legally charge interest on top of interest by allowing Chase to increase a principal balance by not applying consumers payments to the interest charged every month
Product: Checking or savings account

I have been trying change my name with Citibank for almost a year with no help. I opened an account with Citibank in the early XXXX. By XXXX  all branches in XXXX XXXX were closed. I have since married and changed my name and can not get assistance to update my account. They require a notary which I am currently unable to go to because of Covid-19 and my health issues. In all of the work I have done in changing my name on loans, insurance, etc. only Citibank has given me a difficult time. Changing my SSN was easier. I am unable to deposit a check because it is in the wrong name and there is no branch. I am being continually punished by a bank that refuses to help me or make any exception in this difficult time. I do not understand why a bank requires me to risk my life to reflect a simple name change. I was told I could change my name over the phone and am now being told I can not.
Product: Debt collection

Ive sent several debt validation to this company and they fail to reply. This debt is fraudulent.
Product: Money transfer, virtual currency, or money service

As a law-abiding XXXX owner have legitimate concerns about possible collusion and collective efforts between banks and/or banks and advocacy groups aimed at denying them services simply for exercising their rights under the U.S. Constitution and laws. These efforts also can create a hostile and chilling climate for the exercise of Second Amendment rights, particularly for those of us hoping to obtain financing for such things as home. auto purchases or running a small business. Once financial institutions take it upon themselves to set social policy that exceeds the requirements of the law, its impossible to know where they will stop or what other indicators of disfavored activity might become relevant to them. No American should be treated as a scapegoat for someone elses crimes.
Product: Debt collection

I contacted this company about a delinquent account that appears on my credit report. I asked them to send me documents validating this debt. To this day I have yet to receive such documents nor has the account been marked as " disputed by consumer '' on my report.
Product: Credit card or prepaid card

I applied for a Gap Credit card while in the store. They opened 2 credit cards in my name ( duplicate ). When I called to get the issue fixed they kept denying that I had 2 accounts open and saying that they did not make a mistake. I used my ID theft service XXXX XXXX and they where able to get them to admit that 2 accounts where opened simply because I had all the proof and paper work and my credit was pulled for 2 different applications. I ended up closing both cards but it still had a negative effect on my credit history. I would like to get those pings off my credit history since Gap was the ones that make the mistake. 

I applied for the credit card in XX/XX/2017.
Product: Credit reporting or other personal consumer reports

It is now XX/XX/XXXX On XX/XX/XXXX I initiated an inquiry from XXXX XXXX the inquiry should have fallen off today as it has been 2 years
Product: Student loan

Loan was sold to another company that is reporting negatively on my report been trying to find out if my loan is part of the class action settlement I only get a recording
Product: Credit reporting or other personal consumer reports

I do not know why I got 6 hard inquiries from the same company I didnt buy anything in the time frame of the report hard inquiries that I can not account for some where else.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ability Recovery Services is reporting a collection account for {$1100.00} opened on XX/XX/XXXX even though the account is from XX/XX/XXXX. I have disputed this with the credit bureaus, but Ability Recovery Services says it is accurate. I have attached proof of the actual date of collection in question.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : 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: Payday loan, title loan, or personal loan

On XX/XX/2017 the Security Finance called my daughter on her cellphone number that was given as a reference ; told her your parents are 3 months behind on their payments with us- they owe $ XXXX amount and need to come in to take care of this. On XX/XX/2017 we contacted the Finance Company told them that was not proper to call and give out that information and the response was is XXXX XXXX still sick and in the Hospital oh but if you pay this amount we can re do loan but I 'm sorry for that - meaning the information given out. Even after I stated you are not allowed to give out that information I was told I know you are right but it was not me.
Product: Debt collection

i received alerts of a collection account being placed on my credit report by cedars business services after looking into the matter it is coming from i robot corporation. i called the collection agency who did everything they could to collect this XXXX even after i explained to them i did not order anything from i robot. i explained i had a fraud alert on my credit report and i am a victim of identity theft. The agent was more concerned with paying the debt then trying to resolve the issue. i did not open a i robot account no information was used to order this item which i dont even know what it is besides my name no birthdate or social security number nothing. they are aware of my complaint as ive exhausted myself in talking to them to resolve the issue. a police report for id theft was filed and will be attached.
Product: Credit reporting or other personal consumer reports

I was contacted by Credit Acceptance after filing the last complaint. They first emailed me to say they would like to talk to see what could be done. Then they bombarded my email account with Images of their logo. Followed this by phone call after phone call hanging up or yelling Credit Acceptance. This is unbelievable for a finance company.
Product: Mortgage

XXXX Department,I've called back both of those days and left messages for XXXX  with no return call.Totally disagree with your assessment, haven't seen anything in writing that you said you were going to send me. Please email me the federal requirements that you speak about below.Also attached is my original Private Mortgage Insurance DisclosureUnder the paragraph Automatic Termination of PMI it states "if you are current on your loan payments (which I've never been late in 15 years), PMI will automatically terminate on the date the principal balance of you loan is scheduled to reach 78% if the original value of the property.78% of my principle balance on my loan is $XXXX (original price $XXXX x 78%=$XXXX). My principal of $XXXX   on my loan was reached on XX/XX/XXXX!So according to my calculations my PMI should have ended on that day. So in calculating $XXXX for 29 months you need to reimburse me the amount of $XXXXI will also be contacting the Consumer Financial Protection Bureau.Respectfully,On behalf of PHH Mortgage Services (PHH), the Escalation Department would like to thank you for your recent inquiry. The Escalation Department was created to provide a resource to assist with unresolved concerns and issues.Thank you for bringing your private mortgage insurance (PMI) cancellation concerns to our attention.We welcome the opportunity to assist you.  However, our attempts to contact you on XX/XX/XXXX and XX/XX/XXXX to personally discuss your case have been unsuccessful.We regret to inform you that the account is not eligible for auto termination of the private mortgage insurance (PMI) due to federal requirement. Should you have any further concerns, you may contact XXXX  directly toll free at (XXXX) XXXX, select Option XXXX, Extension XXXX or email XXXX  at XXXX. For general account questions you may visit XXXX. You may also contact Customer Care Center via telephone at (XXXX) XXXX   during the following hours:Monday ? Friday XXXX XXXX ? XXXX XXXX ETSaturday  XXXX XXXX ? XXXX XXXX ETXXXX C/O PHH Mortgage Services, LLCXXXX XXXX XXXXXXXX. XXXX, NJ XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022 XXXX XXXX did a Unauthorized credit check that put a hard inquiry on my consumer account. 

I called and emailed them I was told that it would be removed but it's still showing on my report and needs to be deleted ASAP.
Product: Mortgage

I sent a cashier check to Ocwen Loan Servicing in the amount of {$42000.00} to pay off my mortgage by certified mail, the money is just sitting in there TX office since XX/XX/XXXX, I called many times to see why this money was not applied to my account, I have never been late on any of my payments, I just want to pay off my mortgage, I do n't need this problem at XXXX it took many years to save this money Ocwen should be ashamed of the way they treat a good customer