23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than XXXX. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : XXXX XXXX XXXX  - XXXX - Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is fraud - As a consumer by law this account must be deleted immediately. This account is also in violation Reporting a negative account.This information is inaccurate and not reporting 100 percent accurate which is a violation the account should be deleted iimmediatelyunder 18 U.S.C. 1001 any false writing or document knowing the same to contain any false fictitious or fraudulent statement or entry shall be fined not more than XXXX Delete this immediately XXXX - XXXX - Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report no consent is identity theft Instruction As a consumer by law this account must be deleted immediately - under 18 U.S.C.

1001 any false writing or document knowing the same to contain any false fictitious or fraudulent statement or entry shall be fined not more than XXXX Delete this immediately XXXX XXXX XXXX  - XXXX - Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report no consent is identity theft Instruction As a consumer by law this account must be deleted immediately - As a consumer by law this account must be deleted immediately. This account is also in violation Reporting a negative account.This information is inaccurate and not reporting 100 percent accurate which is a violation the account should be deleted iimmediatelyunder 18 U.S.C. 1001 any false writing or document knowing the same to contain any false fictitious or fraudulent statement or entry shall be fined not more than XXXX Delete this immediately
Product: Debt collection

i have tried numerus times to get this account taken off of my account but the credit bureaus will not remove this fraudulent account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have no knowledge of the accounts listed
Product: Credit reporting or other personal consumer reports

My wife and I were alerted by our credit reports that we had a late payment. When researching the issue. Our mortgage company erroneously reported payment had not been recieved and was late. Our payment is autodrafted every month and has never been late. They were contacted and we were told that it would be fixed that a new employee had made errors in the system. It has been going on for over a week and nothing has been done. My credit score has taken a huge downfall because this has not been corrected.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the Fair Credit Act XXXX  account number XXXX XXXX XXXX HAS VIOLATED MY RIGHTS. 

15 U.S.C 1681 Section 602A. States I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 A. SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
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 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 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 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
Product: Money transfer, virtual currency, or money service

XX/XX/22 After i sent a XXXX payment of {$450.00} to my fiance as i always do on pay day for bills. XX/XX/22 XXXX received text message Chase Fraud Alert did I attempt to send {$2000.00} via XXXX XXXX XXXX replied no. XXXX another text no further action needed this transaction will be reversed with help from a phone representative. XXXX received phone call from Chase Fraud department asking me if this transaction was made by me advised no then asked if I was in Ohio on an XXXX laptop advised no I live in New Jersey & just arrived from work. He then advised me that activity was coming from another state & that my Chase account was linked to a XXXX XXXX account & was it correct I indicated no I do not bank with XXXX XXXX. He verified my email on file & was incorrect I gave the correct one. He then said that a email was sent with a verification code & in order to remove the wrong info & unlink the account to provide the code sent. I did what was asked. He said the next step is to send the money back to myself through XXXX & guided me through the process. He asked to send in increments of {$500.00} due to my XXXX limits were changed by the fraud & was the only way this can be done. After I sent the first payment & saw {$500.00} had been deducted out of my account I asked why that had occurred the call disconnected & that is when I realized I may have been a victim of fraud. I then contacted my bank & alerted them of my situation & was told unfortunately there was nothing they can do about it to contact my local police department in which I did & filed a report. I then tried contacting XXXX could not reach by phone so I filed a report with them in which they are investigating. I am very upset that my financial institution was unwilling to help me. I honestly thought I was dealing with my banks fraud department. It's bad enough that I was not smart enough to realize I was being scammed, but even worse that my bank just dismissed me as if I do not matter.
Product: Checking or savings account

I opened the account on XXXX/XXXX/XXXX. 
My account was closed on XX/XX/XXXX, one week after I sent my direct deposit of {$1800.00} to them, for " violating the terms of agreement. '' Direct deposit was sent on XX/XX/XXXX. 

I called the fraud department 5 times and finally spoke to a manager that told me a letter would come to me explaining the situation. Then she hung up on me. 

I received the letter and still does not explain what happened. I had direct deposited {$1800.00} into that account that they have not returned to me. This was to pay for my car insurance and now I have been unable to pay for it. 

I have continued to receive invites to open a checking account ( see attached photo ) even after they closed this one. If it was fraud, why would I continue to recieve emails about opening an account. Furthermore, I have the Citi app and I have a current offer through XXXX of my credit cards to open a checking account. Again, if I violated the terms, why would I receive an offer to open a checking account? So they steal more money? 

Citi stole from me without any type of explanation and I demand my money be returned ASAP.
Product: Mortgage

Select Portfolio Servicing is supposedly the servicer on an alleged loan. Whether there is a loan or not is not at issue here. On XXXX XXXX, XXXX, SPS modified said loan on behalf of the " owner of the note ''. At the time, this was supposedly some version of a XXXX Bank XXXX. On XXXX XXXX, XXXX, some random company called XXXX sent a letter stating SPS was actually the owner of the note. I would like to know what exact insurance payouts were made on this account please by whatever 3rd parties or government entities may have insured the note, mortgage or related documents. I would also like to know if TARP funds were used towards any portion of this account please.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXXXXXX XXXX XXXX XXXX of 2024. I was informed that the number used to send a Zelle payment was incorrect. I requested money to be returned and the user said No. I resent the money to the correct number contacted the XXXX  XXXX XXXX to get my refund and the bank opened investigation with Zelle and responded. We were able to verify money went to the wrong account like you provided but the user has denied our request to access the funds.- Case closed.

I am out of {$1300.00} and the bank knows who has my money and they refuse to give it back.
Product: Credit card or prepaid card

I signed up for an Apple Card, and then my Apple account got hacked. 

I started getting charges on my Apple Card, and got billed statements by mail, but none of the charges were made by me. I've made numerous attempts to contact Apple, but they keep telling me to try to log into my account to fix the issue. I can not get into my card because it got hacked and the phone number connected to it has been changed by the hacker as well. They can not help me get into my account AND they can not stop the charges. 

My credit line on that card is also only {$12000.00}, but somehow this hacker his racked up charges upwards of {$30000.00} when this shouldn't be even possible? Not a single transaction was from me, and I can not stop them. This is affecting my well being and also my credit score. I desperately need help to stop them and fix this situation. 

Please help me.
Product: Money transfer, virtual currency, or money service

Initial complaint opened - XXXX BOA - XXXX Response from BOA is not acceptable. 

I do not agree with the company 's response. According to them if the requirement to disclose fees went into effect on XX/XX/2020, then how were my 3 international wire transactions of XX/XX/2020, XX/XX/2020 and XX/XX/2020 successful? Additionally why did the company not inform me ahead of time, knowing fully well that I had been executing International wire transfers with this bank for years and that BOA did not have a direct relationship with them, and that my future transaction could be impacted. Finding out that a transaction will not execute, at the last minute is not acceptable.
Product: Mortgage

Failed attempt to refinance my 30-year mortgage with Chase to a 15- year fixed.

1. During my original discussion with XXXX XXXX NMLS ID XXXX ( virtual banker ), I was informed that after we locked the rate if the rates dropped Chase would as a courtesy provide a requote for a more favorable rate. As I was going thru the loan process the interest rates dropped and I requested a new quote per the previous commitment Chase made to perform a requote as a one-time courtesy. The virtual banker informed me there was a new policy and Chase would charge a fee for a requote so the interest rate would not be favorable. The virtual banker indicated she could provide a price match if I submitted a quote from another financial institution. I submitted a quote from another financial institution and was informed that Chase would do a price match. The price match was 2.1 %. I was informed by the virtual banker that they were backed up and it may take a few days to get the new quote. The date the private banker made this commitment was XX/XX/2021. 
2. Durning my initial conversations with the virtual banker I was informed that I would be offered an additional .25 % off my rate if I became a Private Client. The virtual banker confirmed that she could stack two discounts 1. price match and 2. private client discount. After I received this confirmation about the stacking of two discounts, I made the decision to transfer equities from my XXXX XXXX account to Chase. 
3. The requirement for Private client status is {$250000.00}. I transferred two stocks from XXXX XXXX on XX/XX/XXXX - XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX. My Chase account only shows the XXXX stock. The INFORMATION XXXX XXXX stock is still missing. I have a tracking number from XXXX confirming that Chase received stock certificates from the XXXX on XXXX. XXXX XXXX from Chase signed for the certificates. 
XXXX. XXXX XXXX ( Private Client Banker ) NMLS XXXX had confirmed my Private Client status with virtual banker ( XXXX  ) and XXXX XXXX, XXXX XXXX XXXX NMLS ID XXXX. After not receiving an updated rate Im still hopeful that Chase will address these issues and honor the commitment that I have documented to the Price stack by utilizing the price match of 2.1 % and the PC discount of .25 for a rate of 1.8 % 5. XXXX XXXX XXXX, VP Investments Private Client Advisor opened a case to locate the missing INFORMATION XXXX XXXX stock that was received by XXXX XXXX on XX/XX/2021. I provided the tracking number and copies of the letters sent to Chase. As of XX/XX/2021 the stock is still missing. 
6. After Chase received equities from my XXXX XXXX account, I was informed there was a chance in policy, and they will no longer price stack. I was informed by XXXX XXXX XXXX, XXXX ID XXXX that he reviewed the recorded conversations with the virtual banker and there was never an agreement to do stacking with a price match and private client discount. 
7. I provided email documentation on XX/XX/2021 to XXXX XXXX XXXX that shows the virtual banker confirmation that the Final docs will show both the price matching and private client total.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX  XXXX XXXX XXXX Michigan # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXXk # 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 an account without my written instructions.
Product: Credit reporting or other personal consumer reports

XXXX XXXX  XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX XXXX  XXXX is a debt collector. They are falsely reporting to my credit! 
Account # XXXX are falsely reporting to my credit file and are against my rights and fair credit act. Under 15 U.S. Code 1681d - Disclosure of investigative consumer reports ; you are in violation. I have attached the definition so you can see the violation! ( a ) Disclosure of fact of preparation A person may not procure or cause to be prepared an investigative consumer report on any consumer unless ( 1 ) it is clearly and accurately disclosed to the consumer that an investigative consumer report including information as to his character, general reputation, personal characteristics, and mode of living, whichever are applicable, may be made, and such disclosure ( A ) is made in a writing mailed, or otherwise delivered, to the consumer, not later than XXXX days after the date on which the report was first requested I request to be provided proof of this alleged item, specifically the original application, contract, note or other instrument bearing my signature withXXXX XXXX XXXX. Failing that, the items must be deleted from the report as soon as possible. Under federal law, you have 30 days to complete your reinvestigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to the bureau to inform them of several inquiries that do not belong to me. I asked for proof of documentation of my request and signature and have not received any response. These are the items listed on my report : XXXX XXXX XXXX  XXXX, XXXX- XX/XX/2019
Product: Credit reporting, credit repair services, or other personal consumer reports

INQUIRIES FOR ACCOUNTS THAT ARE NOT OPEN ACCOUNTS. DO NOT BELONG TO ME. I HAVE NO KNOWLEDGE OF THEM. I APPLIED FOR A HOME LOAN THIS YEAR ( 2023 ) ONLY AND WAS DENIED DUE TO CREDIT REPORT.
Product: Credit card

I applied for secured credit with Capital One XX/XX/XXXX and was approved with a deposit amount of {$200.00}. I made the deposit XX/XX/XXXX via my checking account. I got a email prior to this call XX/XX/XXXX that the card would be delivered by XX/XX/XXXX. I received a phone call XX/XX/XXXX stating that my information was flagged and I wouldnt be able to use the card nor receive it. I was told to send my drivers license, social security card, utility bills and 3 statements in which I did. The issue at hand is why was this information not requested when I applied for the card prior. Now I have to wait additional time to receive my card which has caused an inconvenience. I applied to help with my credit as Im repairing but they have done this last minute which is outrageous. I sent over the documents that they requested but was told I would have to wait an additional 7-10 business days which is another outrageous process.
Product: Credit card

On XXXX XXXX I went to XXXX at self checkout and spent XXXX. Right after that I was charged XXXX at XXXX. XXXX xs I complained and they gave me a provisional credit and took it back. They say cause my card was scanned with logo and my card wasnt lost that I made the purchase. I have escalated many times to no avail. They are impossible. I went to complain to state troopers and they investigated and saw the person but the way the crook did it they could not get his name. They did not write that it wasnt me but told me on phone. I guess since there is no suspect, it was closed without resolution. The bank is TD bank XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX XXXX. XXXX XXXX XXXX, PA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX, TX XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX Equifax Information Services LLC XXXX. XXXX XXXXXXXX XXXX, GA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX
Product: Credit reporting or other personal consumer reports

I applied for a line of credit through Greensky on XXXX XXXX. I was told by the merchant I applied through that the application was just an application and not me agreeing to the service and that the amount I applied for was not the amount being charged but the XXXX amount that I could receive for any services agreed to. I was notified by Greensky by email on XXXX XXXX that they paid out to the merchant. I informed them not to pay out as the work had not been completed and an amount had not been agreed on. Greensky informed me that there was nothing they could do and that they paid out to the merchant because I had authorized payment with them through a signed invoice that they received from the company in an amount totaling {$19.00}, XXXX. I informed Greensky several different times that I did not sign an invoice and I have been requesting a copy of said paperwork from Greensky since XX/XX/XXXX. After contacting the XXXX XXXX XXXX I received a emailed copy of the paperwork from Greensky that was used to authorize payment to the merchant. I again notified Greensky that I hadnt signed anything and that the invoice and paperwork they provided did not contain my name on any of the paperwork. They informed me that the could not and would not do anything about it. Greensky is directly violating the consent order entered in on XX/XX/XXXX which states in paragraph 74 section v Respondent and its officers, agents, servants, employees, and attomeys who have actual notice of this Consent Order, whether acting directly or indirectly, in connection with loan application, verification, activation, and transaction procedures, must take the following affirmative actions : v. Obtaining and retaining evidence of consumers ' approval of transactions before Respondent may disburse loan proceeds to a Merchant.
Product: Credit card or prepaid card

Paypal credit has been extremely deceptive. They are using what I feel are fraudulent deceptive practices. I payoff my 6 month promotions way before the end date. I am still being charged interest. Something is not right,, PayPal is not applying my extra payments towards the 6 month promotions. They are practically stealing.They force you to call in to have your payments allocated this is not ok.