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

After looking over my consumer report I've noticed that Equifax is reporting a XXXX. My question to Equifax is who gave them information on this XXXX and did they receive authorization from the courts to report this information? I am aware that it is unlawful to obtain and share my personal information pursuant 15 U.S. Code 6801 - Protection of nonpublic personal information. It's fraud to obtain and share my personal information without the proper authorization from me or the courts. I understand that you must be compliant to the rules and regulations set in place and ensure that you're avoiding violations. Within this complaint I am asking Equifax to provide me with their source for obtaining the information on my XXXX and written authorization from the courts given to Equifax. Included in my complaint is a copy of my dispute letter to Equifax.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXXXXXX XXXX XXXX XXXXXXXX, 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: Vehicle loan or lease

I am writing in today in regards to my account with Ally Financial Account # XXXX. Specifically I am writing in regards to the late reporting in XX/XX/2020 and XX/XX/2020. The lates occurred during the unprecedented times during Covid-19 which caused the lates to Occur. The Cares act was passed to assist consumers during this time.
Product: Credit reporting or other personal consumer reports

I am writing to formally express my concerns and frustration regarding the Equifax data breach that occurred in 2017. As a victim of this incident, my personal and financial information has been compromised, leading to significant distress and ongoing issues with identity theft. Equifax is inaccurately reporting my Social Security Number, posing a significant risk to my financial security and identity integrity. You have not supplied proof under the doctrine of estoppel by silence Engelhardtv v.Graven ( MO ) 261 SW 715 719 I may presume that no proof of the alleged debt nor therefore any such debt in fact exists.
Product: Debt collection

In XXXX Santander sent me and my husband a tax debt. Which we filed on our taxes and they got over 5,000 from our tax return that year. The debt has been paid in full and discharged. I have disputed it a number of times and Santander refuses to remove it from our credit. It has also been enough years for it to be removed, but Santander keeps upping the date so it can not be removed. Several people have complained about this company for this reason and much much more. There has been lawsuits for reasons such as this towards the company.
Product: Money transfer, virtual currency, or money service

I received a letter from Capital one to recover my funds. Capital One denied my claim although the amount of wire was due to Fraud/Scam. CapitalOne fraud department did nothing to recover my scammed funds except request wire recall without any internal investigation of follow up. MY COMPLAINT WAS NOT HANDLED JUSTLY AND APPROPRIATELY. I do not think they even followed your own processes. After this event, CapitalOne closed by account. since I was a scammed victim, CapitalOne terminated my banking relationship with them. There was no resolution with this situation. I am very disappointed this was not resolved. CapitalOne only responded only after I filed a complaint number XXXX. I believe, had CapitalOne was vigilant in their Fraud department, I may have recovered some of my money. Losing {$20000.00} to a scammer is no laughing matter. CapitalOne denied my claim for reimbursement and closed my case without any resolution nor communication prior to closing my case. I sent the fraud department my evidence which they did not even reviewed. In addition, CapitalOne failed in following up with XXXX XXXX to reclaim my funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

These are the several times that I have been a victim of identity theft and no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1900.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX ; XXXX.
Product: Money transfer, virtual currency, or money service

I have found out the hard way that zelle doesn't have payer protection. I met this guy on XXXX  and was moved onto XXXX chatting about a product that I wanted to buy off of him. I ended up paying him {$300.00} and havent heard from him since. So I searched up if there was a way to get money back from Zelle and turns out you cant.
Product: Credit reporting, credit repair services, or other personal consumer reports

On the XXXX day of XX/XX/2021 XXXX putting you on a full legal warning if the public record is not remove from my credit file in 10 business days you will suffer the Consequences of a lawsuit you have committed multiple violations of the FCRA in this includes US C 1681i failure to conduct a reasonable investigation. Acting willful and reckless and negligence with reporting I have requested specific information from you using the method of verification FCRA verification you had 15 days to respond under the FCRA, Section 611 ( a ) ( 6 ) and ( 7 ). The credit bureau must give you the method of verification information within 15 day you have failed to comply with any if not all federal laws. 10 days legal action will be applied and this will include attorney fees pain and suffering and proof of willful and reckless credit reporting you have been been sent factual base disputes showing the inaccuracies all I asked you to do is verify the information with the clerk of court with the name and phone number of who you spoke with but you just can not supply me with that information. The public record is consider unverifiable if you are unable to verify the information with the clerk of court pacer is a 3rd party vendor I have told you over and over pacer is reporting inaccurate dates how can you verify inaccurate information without going to the source? thank you for your time XXXX XXXX
Product: Credit card

If I had n't been given incorrect information by Chase Card Services employees, repeatedly, related to Billing Dispute XXXX via Chase Card Services : Case # XXXX My Acct ending XXXX I could have been working on solving this problem during the time period of XX/XX/XXXX till XX/XX/XXXX when I finally was forced to pay the entire sum of {$4800.00} or incur interest rate charges of over 13 % In other words I lost all of the leverage that I had XXXX XXXX along with precious time due to inaction borne out of my thinking that this problem had been solved. Chase Card Services had all of my calls routed to a call center in XXXX, XXXX where calls were never answered directly, the telephone message box was full or returned calls were incomprehensible due to language problems on the part of the caller. I attempted one last time to have the charge reclassified as " in dispute '' and was met by stalling and bureaucratic responses by Chase employees who apparently had no authority to do anything but repeat scripted stock responses. 
My complaint is that incompetence and ineptitude on the part of Chase Card Services employees may have resulted in my having to pay a cost which I might had otherwise avoided had they given me accurate information. I find this impersonal bureaucratic approach to customer service, where the bank puts the interests of the merchant ahead of the customer, or where the sloppy and incompetent handling of the case by the bank 's employees leaves the individual customer on the hook to be completely unacceptable and I am seeking redress. 
See the attached PDF for full details.
Product: Consumer Loan

I 'm making on-time payments and I 'm in good standing but I 'm not receiving any type of credit score increase for making on-time payments
Product: Prepaid card

I received an American Express prepaid e-card as a prize from a sweepstakes win on XX/XX/2023 preloaded with {$500.00}. I used the card once ( two separate transactions ) at XXXX on XX/XX/XXXX and I have not been able to use the card anywhere else, including XXXX, since. I have tried purchases at XXXX XXXX XXXX XXXX XXXX XXXXXXXX, and even tried to pay a bill with it, all transactions were declined ( even though the preauthorization XXXX shows up in the transactions of the card ).
Product: Checking or savings account

I have had a closed account with this bank for over a year now and they refused to send me a check for my remaining balance and they dont have a branch in my state of residence.
Product: Mortgage

Refinance deceased father 's reverse mortgage loan. Celink loan # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX All requests by Celink has been followed and responded to. Letter of Intent sent. Estate executor confirmed/ Verified. Copy of will and trust sent. Death certificates sent. 
Funding validation sent. 
Appraisal from lender send. 
Celink Continues to send demand letters for {$290000.00} which is over celink and lenders appraisal. Both did separate appraisals. I have reminded Celink of HUD guidelines to not exceed 95 % of value. 
My lender and I have bothrequested the correct payoff value. Celink Continues to Ignore an demand the loan value. 
Celink has now Proceeded to foreclosure process. 
If possible could a Representative of CFPV be able to request the proper loan pay off so we the family can repay the reverse mortgage and keep our family home Thanks XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Company is in violation of FCRA by way of multiple instances of inaccurate reporting the report should only have one name one number one address and they are also reporting non public private information as far as my driver licenses my personal financial institutions information as well as an unauthorized use from finwise bank stating they had written consent which is false Ive never done businesses with that financial institution the company is furnishing my ssn and doing it all for profit by way of identity theft and is Liable for damages under FCRA
Product: Checking or savings account

XX/XX/2018 I reported that my checking account had some unknown charges and I wanted to dispute them. I put in the request, about a month later someone from Bank of America contacted me and confirmed that I did have my debit card at the time of the transactions. A week later I got a letter that they denied the claim and they were drafting the temp credit they put in my account on XX/XX/18. This caused me to go negative and I am currently negative. It is going to cause a great hardship to pay this, when I was not liable for it.
Product: Mortgage

I have an insurance ( insurance ) claim, due to a fire, the claim begins with XXXX XXXX XXXX, and was transferred over to XXXX Loan Servicing. 
The XXXX draw was distribute to the contractor, However he did any building,, Ocwen was informed of the matter on hand, when the loan was transferred over. I informed Ocwen again of the matter. Ocwen states that it is XXXX XXXX XXXX responsibility because the check was sent out by XXXX XXXX XXXX. And they can not act on the issue, with out Authorization from XXXX XXXX XXXX. 
Ocwen wants to know why I am inquiring of the matter, to them and they will not take any action on the matter, or assist with the issue. Per Ocwen it 's XXXX XXXX XXXX responsibility. Per Ocwen they will not do the necessary process to inquire about the XXXX, for the completion of the repairs because it is XXXX XXXX XXXX responsibility. And for me not contact them, any more. 
I received ( return ) a call from, Ocwen ( XXXX ) representing XXXX XXXX XXXX. On what they can and want do. 
Per OCC, it is Ocwen responsibility to inquire with the contractor, on the repairs. Because the loan is with them and the money is part of the Mortgage loan. 
Please see Attachments. 
Per Ocwen, they need XXXX XXXX XXXX authorization, to proceed to take action on the money. Due Ocwen need Authorization to move forward with Retrieving the Missing Money ( Funds ).
Product: Student loan

Received a phone call from XXXX ( XXXX ) XXXX about renewing my income driven repayment plan with XXXX, which I have not done so forXX/XX/2018 so this made sense I would receive such a phone call. I called the number back, they asked how much debt I had, income, dependents, family size etc, with no verification, correspondence in the mail, or any such preliminary warning of renewal. I was then asked to remit payment of roughly {$270.00} at the time of the phone call in order be placed into the new plan. Red flag number 1, my income has nearly doubled in the past year, and they want to cut my payment in half? Ok ... .Next red flag was when I asked for a letter explaining the program and its features and cost of interest etc to be mailed to my home, they said nothing is done via mail and I also can not remit the payment via XX/XX/XXXX, it had to be over the phone and that they are not associated with XX/XX/XXXX. A third red flag, no introduction or name of the representative helping me. I work at a bank, federally regulated, in the Compliance department, we see scams all the time ... .When I explained I thought this was a scam, the " representative '' told me I should have said that 10 minutes prior, and not wasted both peoples time. I haven't been spoken to so rudely by any financial representative in the past, sounded like an upset scammer who got duped!!!
Product: Mortgage

I paid off and closed a HELOC account with Citizens Bank at the beginning of XX/XX/XXXX. It was paid off in two payments, the first was applied incorrectly. It should have been 100 % principal and they split it into principal and interest. The payoff amount increased when I went to pay it in full two days after the first payment. I made and documented numerous calls to customer service to resolve the issue. They credited me back a {$25.00} fee because it was an annual fee and the loan was paid off 6 days after it was charged. They calculated an overpayment of {$53.00} and told me this would come back to me in the form of a check. For a couple weeks I would follow-up by phone and be told it was in process. Then after the first week of XXXX I was told they couldn't see it in the system, " there was no overpayment ''. At no time, when I have requested, has anyone at the bank been willing to give me a numerical breakdown of the payoff calculations.
Product: Credit reporting or other personal consumer reports

This complaint begins with XXXX XXXX ( XXXX XXXX XXXX XXXX, XXXX, CA XXXX ) filing a notice of debt to the three major credit bureaus. I do not have an agreement with XXXX XXXX, because the agreement was with XXXX XXXX, where I co-signed for XXXX XXXX to receive solar panels for her residence at XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Fl. XXXX. XXXX XXXX fraudulently used a non-representative named XXXX XXXX to mislead XXXX XXXX into obtaining the solar panels on the premise that she would receive {$21000.00} after one year of having the solar panels. The amount mentioned is in the contract with XXXX XXXX. Still, XXXX XXXX states it is not honoring the " Rebate '' amount of {$21000.00}, because XXXX XXXX is not a representative for XXXX XXXX, even though the contract is now being enforced by XXXX as the financing agency, due to XXXX XXXX filing XXXX XXXX  Bankruptcy in Arizona ( Case no. XXXX ). 
I filed a notice to XXXX, Equifax, and XXXX regarding, the following particular issues with XXXX XXXX : XXXX : XXXX XXXX never provided me ( XXXX XXXX ) with Federal consumer co-signer counseling before " allegedly '' engaging in a contract with me as a co-signer for XXXX XXXX. According to 12 C.F.R. 706.3 ). The notice says : 1. You are guaranteeing the other person 's debt. Therefore, if he or she does not pay, for whatever reason, you will have to pay instead. Always make sure that you can afford to pay and that you are willing to accept the responsibility. 
XXXX. You will be liable for the entire amount of remaining debt if the borrower does not pay, as well as late fees and collection costs. 
XXXX. In some states, the creditor can come after you for payment without first trying to collect from the original borrower. Collection may include suing you and garnishing your pay or property. If the loan is not paid, it may also be placed on your credit report. 

XXXX : XXXX XXXX is prohibited from executing a loan of any type in the state of Florida states CF : Consumer Finance Company : The license authorizes the holder to solicit, make, and collect loans to consumers in this state for an amount not exceeding {$25000.00} at an interest rate greater than 18 %. The license is not required for banks and certain other financial institutions doing business under state or federal laws. 
XXXX XXXX, Florida Statutes - Consumer Finance Act Rule XXXX, Florida XXXX XXXX - Florida Consumer Finance Act 3rd : XXXX XXXX XXXX XXXX XXXX to deceive XXXX XXXX into this contract through deception and fraud against an elderly person of the age of XXXX XXXX XXXX under Florida law XXXX A criminal complaint was filed with the XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX # XXXX ). 

In closing, it is my complaint that Equifax, XXXX, and XXXX have failed to remove XXXX XXXX from my credit report until conducting a thorough investigation of whether these allegations are founded and creditable as required by the rules of The Federal Trade Commission, Florida law on crimes against the elderly, failing to provide the required " Co-signer '' counseling as required by 16 C.F.R. 444.3 Unfair or deceptive cosigner practices.
Product: Credit card or prepaid card

I was promised XXXX membership rewards points after {$5000.00} in spend in the first 3 months on my Amex personal platinum. There was confusion on American Express side because they credited the MR points prematurely. I had refunds coming and even though I had refunds in the first week, they- American Express- wrongly gave me the points. But I knew I had those refunds coming which is why I DID NOT withdraw the points, and i knew in the three months Id spend the {$5000.00}. I DID NOT withdraw the points that were deposited prematurely because I was demonstrating my honesty. If I was trying to defraud American Express, I would have transferred out those Membership Rewards points American Express prematurely credited to my account at that time. 

Instead American Express just gave me the points, then took them away and accused me of fraud. Instead of talking to me, or taking a wider look at the situation as a whole American Express could have very easily determined they had made a mistake in their conclusions. Amex was misleading, and they did not act in good faith. Had they only waited till my first statement was generated to give me the points, or at the very least second statement, they would have seen that I met the required spend without a problem. I have never committed any fraud when it comes to bonuses, and in addition I have a very high credit score. I didnt get that by being dishonest, and I rebuff any slanderous, or libelous claims American Express tries to make about me, or my stellar credit behavior. 

In addition to American Express disgusting behavior towards me on my XXXX membership reward point bonus I am entitled to, Amex also defrauded me out of my XXXX XXXX XXXX points on my American Express XXXX XXXX business card. As well as XXXX XXXX points on my personal XXXX XXXX XXXX. They now tell me it will take 6 to 8 weeks to transfer these XXXX points to my XXXX account, even though Ive already met the spend and all conditions relating to the XXXX bonuses. Ive already met all the conditions that they require of me to get my XXXX XXXX points. This is outrageous and fraudaulent behavior by American Express. 

I demand three things I am entitled to for which I followed the rules on, and that I have earned : 1. XXXX Membership Rewards Points on my American Express XXXX XXXX. 

2. My XXXX XXXX XXXX sign up bonus points for my XXXX XXXX XXXX XXXX 3. XXXX XXXX XXXX points on my personal XXXX XXXX XXXX for adding four authorized users and meeting the terms and conditions for that promotion. 

I am tired of American Express playing games, locking out rule abiding customers, and not using common sense when it comes to these bonus scenarios. I hold them completely culpable, and demand what is rightfully mine as quickly as possible to remedy this situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Every year something was reported on my credit and not having my consent. I never instructed them to furnish this report, to create this report in the first place. 15usc1681a ( 3 ) 15usc1681a ( 4 ) 15usc1681b ( 2 )