23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

Hi im XXXX XXXX from XXXX, im new user of this paypal i already sent my ID but my fault are i dont have any card to verify, i need this paypal for my work XXXX XXXX, but suddenly limitted account and i will wait for 180days to widraw my balance, please need help to consider my account if possible, cause i need this for my financial problem, i promise to open a mastercard for validation of account, this is my paypal email XXXX thanks in advance, XXXX
Product: Mortgage

XXXX XXXX XXXX, President, CEO and Chairman BANK OF AMERICA AND XXXX XXXX XXXX XXXXFORECLOSED AND SOLD MY HOME WITH FABRICATED DEEDS. I AM REQUESTING INFORMATION ON THIS ILLEGAL SALE. 
Bank of America Corporate Center XXXX XXXX XXXX XXXX, XXXX, NC XXXX. 
XXXX - REQUEST DOCUMENTS FOR VERIFICATION OF SALE WITH PURCHASE AMOUNT INCLUDES REGRISTRY OF DEED ON PROPERTY LISTED ABOVE
Product: Debt collection

I received a copy of my credit report stating there was a new collection account added upon viewing my account I noticed it was a debt that was not attached to my social I disputed it with the credit agencies. That came back and stated this debt was valid when they did n't provide no contract that I signed or no proof that this belongs to me.
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. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and list of Inquiries. 

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: Checking or savings account

My Cash App account was randomly closed a few weeks ago. After countless attempts to contact them for some resolution I only seemed to get copy paste responses back repeating that I " violated XXXX ''. 

I asked for any proof of this and they would just send a pre-written mail back stating they assisted all they could and consider the matter closed. I do not consider the matter closed, my account was closed off baseless accusations which I know I did not do.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am not an attorney or third- party rep, there are accounts on my credit report that does not belong to me and believe that this is an act of fraud. I have a legal right to dispute the following accounts -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 XX/XX/2023 I called TransUnion, XXXX and XXXX credit reporting agency and informed them I pulled my consumer report and realized there were inaccurate information being reported on my consumer report. I initially spoke to the reporting agency to have this matter corrected. I have mailed in supporting documents. I am hereby notifying you that on those dates or similar dates I did not authorize any individual from the listed company to pull or review my consumer report. Additionally, I have not given the credit reporting agencies permission to furnish this information. Have understood this is a violation of 15 USC 1681 ( B ) ( C ). Both together and separately my consumer and privacy rights are being violated.
Product: Mortgage

Received a HELOC in XXXX with XXXX XXXX. They were closed and the loan was transferred to XXXX XXXX. They transferred the loan to Ocwen, which later became PHH Mortgage. In XXXX we fell behind in payments and could no longer make the payments. I tried to negotiate with them but they declined to help in any way. In XXXX of XXXX I received a 1099C Cancellation of Debt dated XX/XX/XXXX ( Attached ) Until late XXXX ( almost 7 years later ) I did not receive anymore communication from anyone until I started receiving letters of transfer to other lenders, first it was Ocwen to PHH Mortgage, then PHH to XXXX XXXX XXXX, the XXXX XXXX to XXXX XXXX XXXX. I contacted PHH to question them on how a debt that they cancelled was now being transferred ; I have yet to get an answer to that question. I have been emailing and phoning them for months. They also emailed me a Release of Mortgage that was generated a few days ( XX/XX/XXXX ) after the 1099C was issued but was missing information. ( Attached ) We sold our home in XXXX of this year and were made aware of the court record showing this debt. Our credit reports never showed this as an open mortgage. The debt was paid in full in XXXX with our equity in our home of 25 years. I want to know if this was legal, how can a lender cancel a debt and 7 YEARS later transfer that debt to another lender after they took credit for the cancellation? Generate a Satisfaction of Mortgage, send it to me and then years later say it was a mistake.
Product: Credit reporting or other personal consumer reports

There has been improper use of my credit. 
XXXX XXXX XXXX XXXX XXXX Equifax
Product: Debt collection

Denifits LLC is charging me for a service I never received and is causing a major impact on my credit report and should not be reporting on my credit report.
Product: Credit reporting or other personal consumer reports

After making my monthly review of my Consumer Report and viewing my Credit Score. I find TRANSUNION is violating my rights as a consumer by improperly reporting a number of items that should be excluded from my consumer report. Your company TRANSUNION is reporting an ADVERSE ACTION on a few line items listed on my Consumer Report. The accounts or line items are listed below. 
I am making the following complaint and dispute against TRANSUNION on the basis of violating my rights as a consumer by reporting on my consumer report an ADVERSE ACTION. A report containing information solely as TRANSACTIONS or EXPERIENCES between the consumer and the person making the report. A complete violation of my rights as a consumer in accordance with 15 US CODE 1681m ( b ) ( c ). A line item listed on my consumer file as an ADVERSE ACTIONS or OLDER DEROGATORY EVENTS under section or line item 2 YEAR HISTORY, LATE PAYMENTS 30 day past due, 60 day past due, 90 day past due and 120 day past due Your company TRANSUNION is in direct violation of 15 US code 1681m ( b ) ( c ) Requirements on Users of Consumer Reports,15 US CODE 1681a ( 2 ) s-3 Definition ; rules of construction and 15 US CODE 6802 Obligations with respect to disclosures and personal information. It is unlawful for TRANSUNION to report my transactions or experiences between me ( the consumer ) and several accounts ( The person or persons making the report ). However, the accounts listed below ( The Person making the report ) has reported to TRANSUNION my TRANSACTIONS or EXPERIENCES. However, a consumer report has been reported to TRANSUNION and by TRANSUNION on my consumer report. A consumer report by TRANSUNION listing my TRANSACTIONS or EXPERIENCES shall not be reported or include a report furnished by or from the listed accounts reporting my TRANSACTIONS or EXPERIENCES. According to15 US CODE 1681a ( 2 ) s-3 Definition ; rules of construction. According to the law as it is written the term consumer report shall not be reported under the law regarding ADVERSE ACTION as it is described regarding EXCLUSION pertaining to TRANSACTIONS or EXPERIENCES. My complaint against TRANSUNION does meet the standard set by 15 US CODE 1681m Requirements on USERS of Consumer Reports, 15 US CODE 1681a ( 2 ) s-3 - Definitions ; rules of construction. Therefore, I am demanding that TRANSUNION remove the Consumer file listed as 2 YEAR HISTORY, OLDER DEROGATORY EVENTS 30 day past due, 60 day past due, 90 day past due and 120 past due and LATE PAYMENTS with accounts listed from my Consumer Report.
Product: Vehicle loan or lease

I got the car in XX/XX/XXXX I was working and was my first car purchase, I lost my job but I kept my payments until I couldn't anymore, I got XXXX  and I lost a Family member due to ( COVID ) I started having financial difficulties so I sent to PENFED Credit Union who financed my car the hardship letter for the first time, also I had to ask for Financial help from some organizations to make some payments, fortunately I found a job on XX/XX/XXXX but again I lost that job. 
I maintained communication with PENFED members to let them know about my situation, I never hide, not refuse to pay, I am not a " delinquent " person. 
On XXXX XXXX XXXX I had a job accident that kept me unable to work, unfortunately the school refused to pay me so I found myself in need to seek legal help, my case was under worker compensation and I was unable to work for several months, I was in therapy and under medical treatment, I called to PENFED to explain what happened and As soon I had the medical report and the documents from my lawyer I sent to the bank so they knew well about my Financial situation because I kept the communication with them, I didn't know that my case will take so long, thank God settlement was resolved on XXXX the XXXX XXXX but I was unable to make any transactions after I deposited the check until XXXX the XXXX, and the car was repossessed on XXXX  night the XXXX XXXX
Product: Credit reporting or other personal consumer reports

I spoke to a customer service representative XXXX before they charged off my account because I had already paid off my phone and didn't understand why they were saying that I was behind all of a sudden. They informed me that I was correct and it showed paid in full. They were supposed to escalate the issue to a manager and I was supposed to receive a call from someone but no one got back to me and the following month they charged off the account and have been reporting it negatively against me ever since.
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The Experian credit bureau is required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : XXXX  XXXX XXXX, XXXX XXXX Date Open : XX/XX/XXXX Balance : {$36000.00} and XXXX XXXX XXXXXXXX Date Open : XX/XX/XXXX Balance : {$0.00}.
Product: Credit card or prepaid card

Not one complaint I have with direct express has been addressed. XXXX XXXX, Comerica XXXX, Senior Vice President, XXXX and all other employees of Comerica XXXX that respond to my complaints have dismissed every issue I have with the Direct Express Card. The Direct Express Employees do not answer or respond consistently to emails. The Direct Express Employees initiate email contact and that is it. I DO NOT HAVE A PHONE. I DO NOT HAVE ACCESS TO A PHONE. I DO NOT USE TELEPHONES!!!! This matter with all my complaints therefore can not be resolved over the phone. I have filed CFPB complaints XXXX XXXX XXXX XXXX none have been resolved even addressed. Now it is about three years later, and I only have a dispute number-XXXX. It took two to three years to get a dispute number. I have not received any reply to a request for status update. I have no idea if my profile information has been updated. The online banking is too limited to conduct any banking needs. There is a phone requirement that is prohibitive to receiving services. The customer service is abysmal, slow, and ineffective to conduct time sensitive business. You can XXXX  direct express and with the complaints to other federal, and state monitoring and regulatory agencies it is apparent that the Direct Express Card is not serving the population contracted to service in any beneficial manner to that population. Contrary to any positive press the experience of the card holder is daunting. You can see in the reports about Direct Express that the phone line is not answered as you are told to keep calling until you get thru. I do not have a phone. There is no accounting by Direct Express or Comerica bank for those who do not have the privilege or ability to use a phone. That discriminates the users even further since having a phone is not proof positive that you will receive timely, continuous, and courteous service. There is a definitive lack of professionalism in handling of complaints.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an Account appearing on my credit report named XXXX XXXX. I have contacted both the company and the credit bureaus trying to have this removed. The credit bureau kept saying it was accurately verified. I made contact with both the credit bureau-Experian & XXXX XXXX to ask for proof of how. When I called XXXX XXXX they stated that I do n't have an account based on my SSN. When I contact Experian they said the company verified the account. I have sent multiple letters and made multiple phone calls that this info is not reporting correctly on my report and should be removed. 

I have done further research and this company " XXXX XXXX '' is not licensed to collect in my state " Louisiana '' per https : //coraweb.sos.la.gov/XXXX
Product: Debt collection

I currently have a debt that was re-transferred to a collections agency in XXXX of XXXX for XXXX. This account had previously been opened in XXXX and closed a year later after disagreements on the bill and account. The company had transferred the account to collections with a company then early last year removed it from collections, bringing it back to XXXX where they contacted me an offered a lower amount they would accept, {$200.00}, in a voicemail on or around XX/XX/XXXX. They then never called back to communicate this offer or discuss options. Then come XXXX of XXXX the account was changed off to Credence collections and I have no contact information for them and have never been contacted from them to dispute or even pay the bill.

I have now had this account hit my credit twice! Recently significantly lowering my credit score while I am in the process of improving it. I am disgusted that this company has never even contacted me but instead did such damage to my credit score.
Product: Checking or savings account

On XX/XX/2020 I was contacted by who I thought was Chase Bank via text message. They stated I had usual charges on my account. I tried to call into chase and waited several hours on the phone with no success of talking to a representative. I finally received a call from someone stating that they were from chase. I verified my account information and identity. They stated that my charges were blocked and that a new card would be sent to me. An hour later on that same day my account was charged twice for an amount of {$210.00} and {$210.00}. These came from XX/XX/XXXXin Florida. It could not have been me as I live in Ohio and i had several charges earlier that day to prove that i was in Ohio. I manually locked my account through the website. I spent several hours on the phone later that evening and the next day ( XX/XX/20 ) trying to get a hold of a representative. Once I did they said that I was contacted by fraudsters and that they would reverse my charges. We canceled my card and a new one was issued.

I noticed several days later that those original charges were back on my account. After attempting to get through to chase for several hours on XX/XX/20and XX/XX/20 I was able to speak to an agent. They are saying that they will not accept this fraud claim as it is being considered a scam. I am now out {$420.00} in the middle of a global crisis and economic shutdown. Chase said they will not pursue this claim any further.
Product: Checking or savings account

They will not let me close my bank account. 
I tried closing it on the phone just now but can not reach a customer representative. 

I just sent a message on the website but I have no idea how that will work out.
Product: Credit reporting or other personal consumer reports

They had XXXX XXXX XXXX on my social with my real name XXXX XXXX XXXX which is XXXX XXXX XXXX. And now TransUnion messed up again and they now have my name as XXXX XXXX XXXX and it needs to be XXXX XXXX. XXXX!!!!!!!! This is the third time I have talked with them! If they mess up again I will sue!
Product: Debt collection

I was notified via us mail that a lien had been placed against my property. 
Upon searching court records I discovered that the law offices had filed suit using an address I have not lived at since XX/XX/XXXX. I have previously dealt with this Collections company And they were fully aware of my current address but chose to use my old address so that I wouldnt get notified of the court case and they could proceed because I wouldnt get notified. 
I have written correspondence from XX/XX/XXXX from their attorney dumont to my correct address from previous dealings with them in which they claimed they didnt know where I lived after a similar incident. 
There is retuned mail in this case because they used the wrong address and the mail got returned. The retuned mail is in the public record from the court. The retuned mail is proof that I never received notification of the judgement placed against me. 
I was never served at home or work and they fully knew this using the wrong address to file suit against me. Im asking the lien be removed and court case dismissed as they did not properly notify me of suit and there is retuned mail as well as incorrect addresses listed on the paperwork filed in the court cases. This company fully knew my correct address and chose to use the wrong one on purpose. 
They also tried to get a motion of default prematurely and the court denied it. They had to wait the full amount of time which just shows they knew they had the wrong address and wanted to get a judgement before I found out about it so they could collect knowing I wouldnt get notified. 
In later court paperwork they add my later address knowing that I wasnt living at the original address they served me at. They also knew I was not living at the additional address they added to the paperwork but wanted to get a motion of default to collect their money. The second address was for show by them to make it look like they attempted to contact me
Product: Credit card

Bank of America charged me interest on new purchases in the same statement cycle they were made despite the fact that I paid my previous balance ( a 0 % balance transfer offer not expiring for another month ) in full.
Product: Money transfer, virtual currency, or money service

I was claiming a fraudulent transaction through XXXX ; I understand I was scammed, but the business hours were closed when I tried to call. I tried to call as soon as possible to revert the money, but the time the offices were open the following day. At XXXX XXXX, the transaction had already gone through. So, I didn't get the authors to go through, and the app prevented me from stopping the pending transaction. 
I wanted to decline the transaction with XXXX. For XXXX transactions {$1.00}, {$240.00}, and {$250.00} I called XX/XX/year> at XXXX XXXX 
I had to call again XXXX XXXX XXXX on XX/XX/year>. 

They declined my claims and said I couldn't do much since it went through.
Product: Debt collection

I wan na dispute derogatory collection amount of {$4300.00} on my credit report from credence resource management. I have no idea where it came from. I believe my data has been compromised. This is a fraudulent. It does not belong to me. Its not mine and I want it erase off my credit report. Its messing up my credit. Thank you.
Product: Checking or savings account

In XX/XX/2021 a person by the name of XXXX XXXX contacted me by phone from XXXX XXXX XXXX stating they could help me to reduce or a loan forgiveness to student loan program. In a verbal agreement she stated if I filled out the paperwork to submit the form to the student loan program on my behalf they would take out {$530.00} for there processing fee. I gave them my debt card info to take 2 transactions on XX/XX/2021 {$260.00} & XX/XX/2021 XXXX to XXXX XXXX  listed on my statement. Per XXXX she stated if the federal government did deny my student loan forgiveness they would reimburse me back the the amount of {$530.00} since the federal government deny my paperwork. 
It was a verbal agreement. Hence it took until like XX/XX/2021 I received the letter stating they denied my paperwork for the forgiveness program. I reached out to XXXX XXXX by phone & email asking when they will return my money. The phone # & email does not exist anymore. Now Wells Fargo said I had to dispute with XXXX XXXX XXXX & that the transaction occurred back in XXXX I had waited too long to dispute. How was I suppose to know that is was a scam until after the fact. I tried to reach back out to XXXX that the phone # & email does not exist ... Now they will not take into consideration that this is a scam .... I am really disappointed with Wells Fargo not protecting me as a customer for over 20 years. I am going to close my account.. I can forward the email from XXXX XXXX the email does not exist anymore.. How is this not a scam!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXXXXXX XXXX, XXXX XXXX  XXXX, XXXX XXXXXXXX, have 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.
Product: Consumer Loan

I believe I was initially overcharged for my vehicle, it has since been repossessed because I lost my job & could no longer afford the payments.. The vehicle in question is a XXXX ... At the time I signed the contract on the vehicle I was desperate & really needed transportation for work, school & to take my kids to & from school ... I really believe the cost of the vehicle was over priced at {$8000.00} with interest the total came to {$12000.00} approximately.. The value of this car at that time I bought it was no more than {$1300.00}, current value approximately {$1000.00} Since the vehicle has been repossessed I have attempted to reach out to Drive Time multiple times with no success to discuss this matter. I just continue to get transferred around & told no one can help me or I 'm directed to call someone else.. I recently received I letter stating the vehicle was sold and I owe {$9700.00} for a vehicle that is only worth {$1000.00} per XXXX XXXX ... At {$160.00} biweekly payments I made for 7 months approximate cost out of my pocket {$2300.00}. I really feel this company has inflated the cost of the vehicle and are attempting to get XXXX times the amount for this vehicle from me & also from whoever they sold the vehicle to. I really feel I have been taken advantage of me as consumer ... I feel that without help from someone they will not sit down to discuss fair compensation I should pay for this vehicle, now that its no longer in my possession.. Can you please assist me with resolving this matter..