23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

On XXXX/XXXX/2015 our mortgage was sold by XXXX XXXX XXXX to Nationstar Mortgage of XXXX, TX. This past year has had no issue with the servicing of the loan. As of XX/XX/XXXX Nationstar advised they were raising our Escrow by {$310.00} due their analysis of what was required for Insurance and taxes. Our Insurance did not change and the taxes went up less than {$200.00} a year. The increase of this amount is not appropriate nor justified from State and County records of such tax increases. This all occurred after 6 months of first class mail and XXXX delivery in an attempt to get us to refinance. We do not understand with hours spent on the phone with Nationstar, they can not justify the numbers for this increase. They continually use the terms, ( we recommend ) and ( we suggest ). When they quoted Federal Law requiring this increase we asked for a copy and they will not provide this regulatort information they quote as the reason for these increases.
Product: Vehicle loan or lease

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. 

SANTANDER CONSUMER USA : # 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: Mortgage

Mortgage Co on paper said they paid my taxes for 2015 and has not done. They keep on saying they will. The name of the mortgage co that XXXX XXXX sold is SHELL MORTAGE SERVICING, XXXX, S.C XXXX -- XXXX
Product: Debt collection

American Coradius International L.L.C. and XXXX XXXX XXXX are fraudulently trying to collect amounts not owed, as exposed with evidence on the document attached. XXXX XXXX XXXX in addition lied to this government agency, on their previous response. The evidence and petition to sanction XXXX XXXX XXXX by the CFPB has been sent via USPS registered mail.

This document proves how this collector on behalf of XXXX, are realizing fraudulent actions to collect amounts not owed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made. Assuming no one cares either way, delete the noteworthy of any information in my credit record that came about due to an alleged fraud : XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  AR XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX, AR XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/XXXX I received a notification from Chime that my checking account was logged into from New York. I live in Colorado, so I quickly logged into my account, changed my password, and then initiated a transfer of all the funds in the account to my main account, at a different bank, just in case someone had gotten ahold of my account information. 

The total funds in my Chime account were {$35000.00} so when I initiated the transfer my account was frozen by Chime for violating the rules ( later I learned you can't transfer that much money at a time ). 

I called Chime 's Customer Service team to unfreeze my account and they said I would have to resolve this through their Risk Department, which is only available via email. The Risk Department sends me a template email of what I need to submit to verify my identity and the origin of the funds. The link in the email does not work, I keep calling back and they keep resending the same email to me with a link that does not work. Finally, Customer Service tells me to use the email address XXXX to send my documents which I do on XX/XX/XXXX. I continue following up with Chime in the days and weeks thereafter about the status of my account being reopened and Customer Service continues to direct me to the emails XXXX ' and XXXX ' but I only receive the same templated reply that never answers my question or addresses the status of my account being unfrozen. 

So, I continue following up with Customer Service and they assure me my money is safe and their team is working on it. Well, fast-forward to XX/XX/XXXX, a hold is placed on my account and I am unable to login into my Chime bank account at this point. I have not been able to verify that my {$35000.00} is in there ( money I have been working hard to save for my first home ). 

What is even more frustrating is that when I called Chime Customer Service they made me go through the same process as I did in XXXX where I have to send a picture of my passport, license, and picture of myself holding my license with a paper including todays date, screenshots of my paystub, and screenshots of the transfers request from my main bank account to Chime. They have received this information THREE times now, but I never hear from the Risk Team and when I call Customer Service they keep claiming they are putting tickets in with their Risk Department to expedite, yet the only communication I end up receiving is the same templated email requesting me to submit the same documentation I have already sent them. It is a vicious cycle and I have been in tears all week because I just want to get this resolved so I can access my money and move it to another account. I am fearful that Chime has no intention of ever reopening my account and I dont know what to do at this point so I am in desperate need of your help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have accounts that I never signed up for that are somehow showing up in my collections. 

- XXXX XXXX XXXX XXXX  - XXXX XXXX  - XX/XX/2019 - XXXX XXXX XXXX - XXXX XXXX XXXX  - XX/XX/2019XX/XX/2019
Product: Credit reporting or other personal consumer reports

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I looked at my Equifax credit report on XX/XX/XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, 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; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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 or other personal consumer reports

Dear Equifax Dispute Resolution Team, I hope this letter finds you well. 

Upon recently obtaining a copy of my credit report, I identified multiple discrepancies that require your immediate attention. These discrepancies include unauthorized inquiries and conflicting information across different credit bureaus. Specifically, the discrepancies pertain to differing account numbers, dates of last activity, last payment dates, balances, account statuses, and original balances. The accounts in question are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> In accordance with 15 U.S. Code 1681e ( b ), which mandates the implementation of reasonable procedures to ensure the maximum accuracy of the information contained in an individual 's report, I request that you provide complete documentation related to these accounts. This documentation should include : The original contract bearing my wet signature. 
Full transaction history from the date of account opening to the present or closure. 
Any other documentation used to verify the accuracy of the accounts. 
Additionally, as stipulated under 15 U.S. Code 1681i ( a ) ( 5 ), in the event that any information disputed by a consumer is found to be inaccurate, incomplete, or unverifiable after a reinvestigation, the consumer reporting agency is obligated to promptly delete or modify the erroneous information and notify the furnisher of such action. 

I trust that you will conduct a thorough investigation into this matter. Should you be unable to provide verifiable proof within 15 business days following your investigation, I expect the disputed accounts and/or information to be expeditiously removed. 

Enclosed, please find copies of my identification and a utility bill to verify my identity and address. 

Thank you for your prompt attention to this matter. I look forward to your timely response.
Product: Credit reporting, credit repair services, or other personal consumer reports

DELETE FRAUD ALERTS AND EXTENDED FRAUD ALERTS TransUnion : XXXX XXXX XXXX XXXX EXTENDED FRAUD ALERT : ACTION MAY BE REQUIRED UNDER FCRA BEFORE OPENING OR MODIFYING AN ACCOUNT. CONTACT CONSUMER AT ( XXXX ) XXXX XXXX & XXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY XXXX OR EVENING XXXX. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING XXXX. 

XXXX : FRAUD VICTIM. 'EXTENDED ALERT '. CONSUMER HAS REQUESTED AN ALERT BE PLACED ON THEIR CREDIT FILE.
Product: Checking or savings account

Dispute is For Chase Bank Checking Account On XX/XX/XXXX there were couple transactions occurred on my debit card that wasnt authorized by me. I disputed those transactions Totaling around XXXX $ .After Careful review chase closed the claim leaving me with my credit that they applied to my checking account on XX/XX/XXXX they wrote me a letter stating that the claim was closed and they are leaving the credit they gave me in my account. On XX/XX/XXXX they reversed all credit that they credited. After reviewing the transactions and closing the claim they dont have any right to reverse them.
Product: Credit card

I have a credit card from Apple since it first came out back in XXXX. I have always paid my payments on time. This is the primary card that I use plus this card also takes off my payments for my Apple laptop and my Apple Watch. In the middle of the night I received a notification on my phone that my spending has been blocked and my account is restricted on XX/XX/XXXX. I immediately called apple ( Goldman sachs ) support through messages to find out the reason and get the card unrestricted but the only answer I got is that account is under review and no more information can be provided at this time. I tried twice and talked to two different agents but no explanation was given. This is the card I use for my daily purchases and my big purchases. Never made a late payment and every month I paid the whole amount off. I have a credit limit of XXXX. My husband is also an authorized user and uses his Apple Card for all purchases. I tried calling today multiple times but no explanation was provided to me at all. I am over stressed as I have no clue whats going on. It is going to affect my credit score that I have worked on very hard if they close the account. As a good customer I have always reported any fraud on the card immediately to Apple. I feel like I am being punished to report transactions that I actually didnt make and thats why my spending is blocked and account is restricted. My monthly credit card usage is between XXXX or even more which I pay every month fully.
Product: Money transfers

Dear Consumer Financial Protection Board, On XX/XX/XXXX I attempted to sell XXXX XXXX XXXX E-Gift Cards to gift card reselling website Cardpool, with a total face value of XXXXUSD. Following the submission of my order, Cardpool marked my order as order as a " physical gift card sale '' and requested that I send them the gift cards via XXXX. I then contacted the store and explained that I did not have a physical gift card and asked if they would process the transaction, as I had already submitted to them the gift card numbers and pin information. Since then I have sent several emails and have received no response. Although Cardpool does not provide an exact timeline for customer service, their website notes that they " will get back to you within a day. '' It has been over two weeks. I am requesting the CFPB 's assistance in garnering a reply from Cardpool, and ideally, would request that the company process my order and sent me payment for the gift cards I have sold to them. 

For reference, the emails I sent along with the dates are provided below : XX/XX/XXXX I am attempting to sell your company XXXX XXXX XXXX E-Gift Cards, face value of XXXX USD per card. The transaction ID is XXXX. However, when I went through your online check out process your site noted that I now need to send you a physical card to complete the transaction. I am confused as to why this is, as I recently sold you site a similar XXXX XXXX E-Gift Card with no issue. I have also already provided your company with both the gift card number and PIN number so do not see why it would be necessary to send a physical card. Any assistance you can provide would be appreciated. 

XX/XX/XXXX Dear Cardpool Support, I am writing to follow up on the below inquiry in respect to my recent attempt to sell your company XXXX XXXX XXXX gift cards. I would appreciate your attention and any assistance you can provide. Thanks! 

XX/XX/XXXX Dear Cardpool Staff, This email marks my third attempt to follow up with your company in respect to my sale of XXXX XXXX XXXX Gift Cards for XXXX USD per card on XX/XX/XXXX. I again request that your staff review the order and process it as an e-gift card rather than as a mail-in order, as your system had wrongly designated my order when it was placed. If I do not hear from your company within the week, I will be forced to elevate this to the Consumer Financial Protection Bureau. I hope that this does not come to that action and hope to hear from your staff soon.
Product: Credit reporting, credit repair services, or other personal consumer reports

Filed disputes with transunion and XXXX in XX/XX/XXXX results still pending called and emailed them with no response advised 48 hours still nothing received letter from creditor stating this was from XX/XX/XXXX 14 years ago sold in XX/XX/XXXX 11 years ago it was added to my report XX/XX/XXXX original creditor states they are not reporting this information nor is the agency they sold it to current agency can not provide me with any information gave me an address I have n't lived at since XX/XX/XXXX since nothing is happening with my disputes I do n't know where else to go
Product: Credit reporting, credit repair services, or other personal consumer reports

CHILD SUPPORT ENFORCEMENT AGENCY ACCT # XXXX ACCT # XXXX ACCT # XXXX ACCT # XXXX Has violated my rights also, while reported inaccurate information. All accounts say my last payment date was XX/XX/23. which is incorrect. I have proof of the inaccurate information.

15 U.S.C1681 section 602A Says I have a right to privacy.

15U.S.C 1681 section 604 also says a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit card or prepaid card

I got charged {$98.00} for an XXXX XXXX  postmates that was a fraudulent charge. I called for it being a fraud charge XXXX times now and all they did was send me a new credit card. They never refunded the amount and it has been about XXXX  months. They told me they would refund me but have not. They sent me a temporary credit but took it back and after i called to ask why it was taken back, they said they would re-issue it. Now everytime i call they give me a run around and transfer me to different departments with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

What's going on there at the CFPB and at Transunion? This is so unbelievable! How can you guys let these multiple complaints pass? I know I have stated this again and again but I have submitted this complaint numerous times already and I have attached all the information and documents needed. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Transunion is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotionally, physical & financially ... and I would truly not what to pursue a legal remedy... PLEASE DO NOT IGNORE my request and DELETE the accounts which I do not own. 

XXXX XXXX, XXXX XXXX XXXX XXXX
Product: Debt collection

Grant merchantile keeps trying to collect on a medical bill that was the result of either a lapse in coverage while I was displace from XXXX  to XXXX. XX/XX/XXXX from XXXX XXXX XXXX XXXX. 
I am a XXXX individual but was in the process of switching both state providers and gender markers resulting in a medical billing error that has haunted me for years. 

XXXX of XXXX they increased collections amount for I think the 5th time and lowered my credit score by 45 points. 

XX/XX/XXXX I called grant mercantile Asked them if they purchased the debt.

They stated no, they are just trying to collect.

I asked can I deal with original debtor?

They said it's most likely purged from their system.

They said I can write a letter of hardship via U.S. mail, but I have no way  of mail correspondence due to XXXX and XXXX. 

This has damaged my chances at getting a car to drive for a company to find a job that would work with my XXXX. 
It has damaged my chances finding a rental or even a private client job. 

I have tried to dispute and or make a reasonable settlement multiple times to no avail. I think that forcing the letter of hardship to be sent by mail is an accessibility issue that should be resolved.
Product: Debt collection

This company claims to be a Christian company but their tactics are abhorrent! Repeated abusive and hateful phone calls ( so many that I can't even count them ), foul language, name calling, threatening to cost you your job by contacting your employer and telling them you're a thief. When you ask who you owe and what it's for they claim they don't need to give you that information they just want you to pay them immediately. They threaten legal action, threaten to make you lose your home. They are just shady.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX Of XXXX I reported to CFPB In regards to the XXXX XXXX account ending in XXXX. XXXX and XXXX at XXXX Between XXXX and XXXX Eastern Time, XXXX XXXX XXXX is still Reporting incorrectly to all Major credit bureaus. On XXXX I spoke with a representative confirming all what I have paid and what was still owed, The representative confirmed I have made XXXX in Payments to the above referenced company not one payment has been reported to the bureau. Monthly the payments are showing CO which stands for Charge OFF. The balance on the report shows XXXX the representative told me on XXXX the balance was XXXX. The report has a total of XXXX late months " XXXX 9 months '' which means would mean I never made a single payment ever on the account. The account was settled XXXX which they stated in the response in the last complaint. so if I have made payments why would my account balance not reflect the payments made or the arranged balance. I have attached correspondence from XXXX and XXXX. All Items in Exhibit B are inaccurate, invalid, not timely and carry no documented evidence of the true and accurate facts. To the least they have not been authenticated as per my rights or requirements you are damaging my character, creditworthiness and well being by falsely reporting balance and being non complaint reporting unverifiable account information. 

Exhibit A - Corresopndence from XXXX and XXXX stating the balance owed as of XX/XX/XXXX Exhibit B- My Experian Credit Report That shoes XXXX negative payments and a incorrect balance owed. The payments the have received for the last 2 years are not reported.
Product: Bank account or service

There was an unauthorized transaction on my account and my bank is stating that it is my responsibility.
Product: Debt collection

Violating 15 USC 1681. I have no knowledge of this creditor and have not given them any permission to report my information to the credit bureau.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

Chapter XXXX Bankruptcy : Bankruptcy XXXX ;