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

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

XXXX XXXX XXXX : XXXX, XXXX : XXXX, XXXX XXXX : XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Student loan

According to 15 U.S. Code 1692g - Validation of debts I have to right to dispute this debt and within 30 days I should receive a reply I sent a letter verified mail in XX/XX/XXXX and verified that it was delivered and received on XX/XX/XXXX. I did not hear any word back or a letter responding to my dispute until XX/XX/XXXX. 

According to 15 U.S. Code 1681i If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; Was not verified in timely manner Furthermore the promissory note should include the names of the borrower and lender, the dates of both the original note and the release, total debt that has been paid, and signature of the lender. The promissory note sent does not include the lender, the release or signature of lender. 

According to 34 CFR 674.31 - Promissory note, This promissory note has violated many sections According to UCC 3-302 the holder of the original promissory note is the only person/entity that can collect on the debt and this debt has been sold. This instrument ( the promissory note ) when issued or negotiated to the holder does not bear such apparent evidence of forgery or alteration or is not otherwise so irregular or incomplete as to call into question its authenticity ; According to 15 U.S. code 1692a the creditor does not include a person who receives a transfer of debt. 

The instrument has been rendered inaccurate/incomplete. 

According to federal law you have violated my rights. I want this item deleted/ removed immediately.
Product: Money transfer, virtual currency, or money service

I sent my daughter money via XXXX to an account that was closed and they never gave me my money back. I called and they said since it was through XXXX there wasnt anything I could do. I can not remeber exact amount it was for her and her husband tickets to a sporting event for her bday a few years back between $ XXXX {$1200.00} XXXX dont recall exact amount but I know it was between that because it caused major devastation. And I called and complained many times over the years about adding fees to my account and taking money even though I should of been grandfathered in but they told me that wasnt correct when in fact I was told many years ago I was correct. I have had a savings and checking account with them since 2010 and to this day still and having money taken. I am trying to not change banks because when I do actually get child support it is attached to this account and has been for 12yrs. They should just correct their mistakes, I shouldnt have to move businesses.
Product: Debt collection

This company has the incorrect Party. I have written them, I have called them over the phone and they have confirmed once given my social number and address that they do have the incorrect party, yet they continue to attempt to collect a debt that is not mine and they have this erroneous debt listed on my credit report.     I want this off of my credit report. I did a dispute with the credit bureaus and they never investigated. Instead they provided my information to this company even after I provided proof of my  DL and Social to  the credit bureaus.     I do not have a contract with this company. They do not have anything with my signature listed on any form of documentation. Lastly, this is not my account. I have never had a  XXXX   XXXX  account.     NO CONTRACT!
Product: Mortgage

I have had nothing but problems with PHH Mortgage company for the last threeeyearsand my stories could go on but let me explain whats currently happening, a few months ago in XX/XX/XXXX I decided to go through a new home insurance company which cut what I was paying for insurance in half, so in XX/XX/XXXX I called PHH advised them I needed them to do a reanalsys so that my mortgage payment that month was n't as high as if I was still with the old insurance company, Both my agent and I faxed in multiple copies of my decloration page and also had a four way call with do represenatives and my agent and I on the phone confirming they had my new insurance information. They informed me after the re analsys that i will be receiveing an overage check for about XXXX because by escrow had an overage which makes sense because it was time for renewal. well i received the check, used the money and now in XX/XX/XXXX i receive a letter saying my escrow is short XXXX $ how its that possible? so i call phh and they say the overage check they cut me i was suppose to pay my insurance, well i have never paid my insurance out of pocket, its part of my escrow. they said they letter attached to the check they sent me explain its, well they are wrong the letter says nothing of the sort and i was never informed. i have the documentation that there were funds left in my escrow they are also saying they paid my insurance because i never provided my insurance information which is untrue as well. now since Friday XXXX/XXXX/15 i was waiting on a XXXX-XXXX supervisor return call, and still have not received one.
Product: Debt collection

Professional Credit Service for XXXX XXXX. 
In XX/XX/2015 I switched by cellular company & went to XXXX. 
I opted to keep my same phone number. 
When I left XXXX XXXX  I had an outstanding balance of {$50.00}. 
I was planning on paying this balance in XX/XX/2015 along with any late fees that were accrued. 

In XX/XX/2015, XXXX XXXX  starting charging me for 2 months of service. 

When I reached out to them for an explanation, I was told because I did not notified them. 

This is a TOTALLY false statement, because when someone changes providers the new company ( XXXX ) will contact the current company ( XXXX XXXX ) to see if the service is still active. 

So XXXX XXXX  was made aware of this. 
I also complained to XXXX XXXX and to the collection agency. 4 YEARS later and I am still being billed, penalized and there is no resolution in sight! 

I am willing to pay the {$50.00} plus REASONABLE late fees, but certainly not the {$200.00} that the GREEDY DEVILS are looking for. 


Please help me to CLOSE this matter.
Product: Debt collection

I was quoted and I accepted an online policy and monthly payment of {$69.00}. Which was paid in XXXX, XXXX, XXXX and XXXX of XXXX. 
XXXX increased my payment to XXXX in XXXX which I didnt find out until later. I signed a form twice and told they never received. I already paid XXXX and I cancelled my policy because I did not agree with the increase. My policy was good until XX/XX/XXXX. I purchased new insurance with XXXX XXXX which I hold today. I purchased new policy on XX/XX/XXXX. Copy attached. I never agreed to XXXX policy a month. I agreed to 6 month policy XXXX. I do not owe this bill. Never heard from XXXX, until I received a collection notice.
Product: Credit reporting, credit repair services, or other personal consumer reports

hi Im XXXX XXXX and my XXXX is XXXX. I'm just writing to make a follow up on my disputes. Its been over 3 months since I sent you a letter but I haven't heard anything from you. according to FCRA section 611 ( a ) failure to investigate within 30 days gives a reason to remove the negative items but unfortunately, there's also no changes on my scores and I know you received my letter because it was sent via certified mail. I am reattaching my dispute letters so please take action.
Product: Credit card

This is a fraudulent transaction on XXXX. Seller listed a XXXX watch for sale as perfect condition and if the buyer had any problem, the seller offered a free return refund in 10 days. It trappedme to purchase it. Right after I paid with my credit card ( XX/XX/XXXX ), the watch was sent to XXXX XXXX for inspection, and then the seller wrote to me admittingthat the watch had some marks on it, and said the seller will provide the repair service. I immediately felt that it could be a scam. But too late, once I received it, I opened a return/refund case, and returned the watch back to the XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX ) in XXXX, XXXX. I explained the problem that " the watch back had teeth cut on it, it's not in a perfect condition. I just want to return/refund '' XXXX declined the refund and sent the watch back to me, and closed the case. The reason to closethe case was " the watch was not shipping back inits original condition ''. At this moment, I realized I was totally defrauded by the XXXX seller and XXXX XXXX.Then I immediately opened the case of " defective and not as described, return/refund '' with XXXX and my credit card company. The credit card company first initiated the temporary credit to me and requested me to return the merchandise to XXXX XXXX, and provideall evidence/pictures/emails. I did so, and thought the case was resolved. 
Until XX/XX/XXXX, I noticed that the temporary credit was removed on my credit card account and received a letter saying my claim was declined. I was so shocked. This was an over {$7000.00} purchase. The declined reason was based on all false defenses from the seller. They claimed that the buyer is still in possession of the merchandise. And they provided a different return address, and claimed they don't have the merchandise received by the seller. 
I sent the watch back to XXXX XXXX and kept all USPS tracking numbers. I wrote to XXXX XXXX  ( XX/XX/XXXX ) to ask the merchandise to be sent back to the buyer. The XXXX staff there replied that the merchandise will not be returned to the buyer. They could be scam artists knowing every step to trick the consumerand bank inspection. They played the " one man singing and one man harmony '' scheme. Each person speaks differently and lies about everything. XXXX as the merchant finally admitted that the merchandise is now in their possession.Now, the seller has got the payment and the merchant has the merchandise in it's possession, this is 100 % fraudulent transaction, which I as a consumer should not pay for it.
Product: Credit card or prepaid card

In XX/XX/2015 someone using fraudulent info bought {$5000.00} in items at Conn's.despite me showing them police reports, and the I'd and social used I got from the store it was purchased at they have not removed this default item from my XXXX credit report.i never have lived in colorado.i provided proof of long standing residency of my address in Texas.
Product: Credit reporting or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely deleted : BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified items listed below are still reporting on my credit report in violation of federal law. The XXXX Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please update the following items completely from my Credit Reports : XXXX XXXX Balance Owed : {$66000.00} XXXX XXXX Balance Owed : {$720.00} XXXX XXXX Balance Owed : {$7300.00} XXXX XXXX Balance Owed : {$28000.00} XXXX XXXX Balance Owed : {$12000.00} XXXX/XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX Balance Owed : {$550.00} XXXX XXXX XXXX XXXX XXXX Owed : {$0.00} XXXX XXXX Balance Owed : {$110.00} XXXX/XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX Balance Owed : {$750.00} XXXX XXXX  XXXX Balance Owed : {$750.00}
Product: Vehicle loan or lease

I recently completed paying off my vehicle loan through Santander XXXX XXXX in XXXX of this year. However, a scheduled payment still went through before I could process the payoff amount, resulting in an overpayment of a little over {$540.00}. After being processed through Santander for interest against the balance, I was owed a refund for a little over {$400.00}. I When I contacted Santander today ( XX/XX/XXXX ), the inital associate informed me that instead of issuing a check refund, the excess amount would be loaded onto a prepaid card since it's under {$500.00}. She also informed me that I was supposed to receive a refund for over {$700.00} for the unused XXXX insurance which Santander also never notified me about until today XX/XX/XXXX. This was surprising to me, as I've never received a prepaid card for a refund, especially for such a significant amount. Additionally, I couldn't find any information about their refund process in the terms of service on their website and when I requested additional information they informed me it was all internal. I contacted XXXX XXXX XXXXXXXX and they were unable to issue a charge back on the extra payment for my vehicle.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to get some things off my credit report with Experian, XXXX and XXXX that are way over 7 years some are even 8 plus years old. I have been fighting this since XX/XX/2021 What in the XXXX why is it taking so long. I know by law they are supposed to come off at sevens year so AGAIN WHY????? 
So they just get to decide when they feel like it they can remove them and dont care about the law and people lifes. I feel they are just lazy and not doing their jobs it not the hard when I sent them a letter which details on it about the issues and why I was disputing them. 
My next action will be to obtain legal service and SUED!!!!!!!! 
This is total XXXX that I am having to waste my time with writing this complaint all because of the credit bureaus not getting things DONE.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. ACCT Name : XXXX XXXX, XXXX XXXX. 
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 accounts 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 these 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: Money transfer, virtual currency, or money service

Money was not available when promised : For the transaction-XXXX  XXXX XXXX Today is XX/XX/XXXX and WU is in dishonor **** For the American abroad need of the desperately urgent and emergency fund-aid requesting wire transfer with the available funding was met with the denying by the Operador Call Center Western Union of the XXXX XXXX corporate office in the city of XXXX  XXXX XXXX XXXX location and the Western Union Corporation headquartering in Colorado USA and the causation of the damage suffering with the starvation and the threat of an unlawful and illegal eviction by the property owner and with the discrimination by the Western Union-XXXX XXXX management of national operations and official agents for the defamation and libel and the gross negligent denial-refusal of the wire transfer fearing for the fraud and impersonation of identity and not providing a remedy any reasonable person could determine as efficient and expedient because the the sender and the receiver is one and the same being a live and natural living person without any funds for food or travel or expenses for the international communication charges incurring against local creation telephone connections to toll free telephone numbers in the U.S. 


Confusing or missing disclosures For the knowledge of the facts on the discrimination-based policies by the local agent Other transaction problem Discrimination and abuse of the UNIFORM COMMERCIAL CODE on transmitting utilities ** For the dishonoring and discrimination injury compensation victimizing and disabling persons in both severe need of urgent emergency funding for the satisfaction of financial and medical-health matters with the life of an individual traveler seeking aid and assistance in a foreign nation and fearing the potential for the eviction and being the subject of humiliation by the refusal of service and breach of trust and unequal and or unavailable protections by the WU corporation **
Product: Credit reporting or other personal consumer reports

Please be advised that as of XXXX as listed on my most recently reviewed consumer credit report, there is a fraudulent / unauthorized inquiry listed on Experian : XXXX XXXX XXXX XXXX XX/XX/year>. I am hereby notifying you that this inquiry is fraudulent and neither on those dates or dates similar did I authorize any individual from Experian to furnish my consumer information to any company. Having understood that this is a violation of 15 U.S.C. 1681b ( a ) ( 2 ) : Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other - In accordance with the written instructions of the consumer to whom it relates. Both together and separately, my consumer and privacy rights are being violated. If you can not provide my written authorization, the aforementioned fraudulent/unauthorized hard inquiry is to be removed from my consumer credit report and file IMMEDIATELY as its reporting has caused me and my reputation harm and discrimination.
Product: Mortgage

I have a PMI {$72.00} that is part of my monthly mortgage payment, my existing loan servicing bank, Shellpoint mortgage, has been trying to collect additional funds for PMI, they claim there are PMI disbursement shortages although I have paid my mortgage monthly payment in full including total amount of PMI in full. If bank has not made the PMI disbursement, I should be showing an overage amount in my PMI escrow account versus a negative balance amount. On XX/XX/XXXX they disbursed 2 PMI payments {$140.00} and on XX/XX/XXXX they disbursed 2 PMI payments {$140.00} and therefore escrow account is currently showing a negative amount of {$280.00}. I have been having this issue with them for months, I have been calling them for months and every time they say they will investigate it that results on no valid resolution but they keep messing up the escrow / PMI and they have done nothing to correct the errors on their end and fix the  problem, I dont understand how could there be a shortage of PMI when I HAVE BEEN PAYING IT EVERY MONTH! .. To be clear, taxes and homeowners insurances are not part of my mortgage or escrow account. I pay property taxes directly to my township and buy my homeowners insurances thru diff company. The escrow account is ONLY for PMI. PMI is a fixed amount that is part of my monthly payment. My loan was transferred to them back in XXXX or XX/XX/XXXX from Ditech financial. They should have all the payments recorded and so able to verify all payments have been made by me. Dont understand how could possibly be a shortage with the PMI,
Product: Payday loan, title loan, or personal loan

I took out a {$1500.00} loan in  XXXX   XXXX  and was under the impression that as I paid  (  bi-weekly {$150.00} ) which totaled {$300.00} a month that my balance would decrease with each payment. Well, I ended up paying a total of {$1200.00} ( during a 4 month period ) on this loan and still owed {$1500.00}, which I paid out in  XXXX ,  XXXX . I feel that this company "  Check-N-Go '' have very unfair and huge interest rates and that if  they see that a consumer is trying to get them paid out, they should work with that person. I never missed a payment yet my balance never decreased, but steadily increased. So I ended up paying them almost twice the amount borrowed and it was all less than a 6 month period of time, WHICH IS UNHEARD OF!!!! I would like to warn others about them and get my MONEY BACK! There are  XXXX  stores in  XXXX   XXXX , SC and I 'm sure numerous within the state of South Carolina. I did business at the  XXXX   XXXX   XXXX   XXXX . location