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

Opened a brokerage account with Charles Schwab on XX/XX/20 account number ending in XXXX, I was then locked out of this account online when I attempted to login after setup account online with user id and password. I received confirmation email confirming accounts have been activated and setup. I then contacted Charles Schwab on Saturday XX/XX/20 to link account to my bank account for transfers. I contacted XXXX a customer service representative for Charles Schwab at XXXX XXXX is based in Texas. XXXX said the account needed verification, because I used my business federal tax id number, however Charles Schwab needed my social security number. I gave XXXX this information and he setup the account and provided access to my Charles Schwab account  ending inXXXX, and XXXX. I then linked my XXXX XXXX account information to complete an initial transfer to link accounts. All my personal information was linked and shared with Charles Schwab,  I was never told that a credit check needed to be completed before setting up, or establishing a broker account, or high yield checking account. XXXX confirmed everything looked good and I would receive my checks and visa within 7 days. I received a confirmation email for both accounts. On Tuesday XX/XX/20 I attempted to logon to my brokerage/high yield checking accounts. but was locked out, I then contacted Charles Schwab and spoke with XXXX and customer service and XXXX and tech support who said I was denied through XXXX XXXX, I filed a complaint with FINRA XXXX, I was not told or asked to run a credit check to open a broker account which was open separate from high yield checking. I went online to verify which information that was reported on me but was denied access through XXXX XXXX automated systems. I was transferred to a woman in XXXX that requested my drivers license and social security number. I was still not told any verifiable information. My consumer and credit rights were violated by Charles Schwab and XXXX XXXX. I have a credit freeze on my credit file. I was lied to and manipulated by Charles Schwab to  provide both my TIN and Social Security Number and then denied a broker account after linking my checking account to their systems.
Product: Credit card or prepaid card

I have a credit balance of {$160.00} that capital one criminals are trying to steal. They are asking for personal information that was not required to open the account and now that I want to close it they want my drivers license copy which is outrageous and complied with against my better judgement. I mailed the copy, I faxed a copy and they can only say it wasn't clear. They told me to upload from a link they emailed me. I emailed them a copy again with a few numbers blocked out, they said they would call me and when they did they rang one time and hung up. They can email me they can send letters to my home but they refuse to mail my credit balance. I do not want to give they counterfeiter fractional reserve scammers my information for the next time they get hacked. THEY CAN SEND MY CREDIT BALANCE TO THE ADDRESS ON FILE FOR 15 YEARS
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  : Account Number:XXXX  Account Name : XXXX  : Account Number:XXXX  Account Name : XXXX  : Account Number:XXXX  Account Name : XXXX  : Account Number:XXXX  Account Name : XXXX  : Account Number:XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX  : Account Number:XXXX  Account Name : XXXX : Account Number:XXXX Account Name : XXXX : Account Number:XXXX  Account Name : XXXX XXXX XXXX  : Account Number:XXXX Account Name : XXXX XXXX XXXX  : Account Number:XXXX  Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX : Account Number:XXXX has violated my rights. Or 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: Credit reporting or other personal consumer reports

This letter serves as my formal demand under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ) for a complete validation of the debts you claim I owe, associated with the accounts listed above. Despite my prior requests, you have failed to provide sufficient evidence that these debts are mine, which violates my rights as a consumer.

You are also violating my rights under XXXXXXXX XXXX XXXX XXXX XXXX. ( Pennsylvanias Unfair Trade Practices and ConsumXXXX Protection Law ) by failing to provide transparency and accountability in your collection practices. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  account XXXX XXXX XXXX XXXX XXXX  and also these inquirires addreses and names not associated with me XXXX XXXX XXXX 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: Vehicle loan or lease

I have been trying every day ti get ahold of Hyundai Finance to discuss my financial hardship due to lost wages from the coronavirus pandemic. Their phone lines say " we are experiencing technical difficulties '', yet they are having no issues taking my money monthly. When I contacted the individual dealership, they said they do not know anything and can not do anything.
Product: Vehicle loan or lease

My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports.

EXETER FIN is reporting late as reported in my Credit Bureaus. Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints.
Product: Credit card or prepaid card

Mail from Capital One incorrectly addressed to XXXX XXXX XXXX containing important account information. Mailings have occurred on a weekly basis between XXXX XXXX XXXX Each envelope was returned with " Return to Sender '' and " Wrong Address '' written on them. Upon calling customer service, Capital One refused to investigate or address the potentially fraudulent information in their system. 

Latest mailing : XX/XX/ Fraudulent Company Name : XXXXXXXX XXXX XXXX Address : XXXX XXXX XXXX, XXXX PA XXXX Capital One Fraud Operations Address : XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX
Product: Mortgage

I would like to file a complaint against PHH Mortgage Services | XXXX XXXX XXXX XXXX XXXX XXXX XXXX I had an escrow account for property taxes and home insurance. They forgot to pay my home insurance. Now my home insurance policy is expired.
Product: Credit reporting, credit repair services, or other personal consumer reports

A XXXX XXXX XXXX card was fraudulently opened without my knowing on XX/XX/2022. This credit card account has negatively affected my credit score.
Product: Money transfer, virtual currency, or money service

Created a new account with moneygram for online and application access and the deactivated profile saying my identity not verified by their servers but I should send money using their physical locations so that they can charge higher commissions. 

XXXX XXXX XXXX : Hi XXXX XXXX, my name is XXXX XXXX. How may I help you? 

Chats may be monitored and recorded, and your personal information may be processed in a country other than your own. 

For your privacy and security, please do not provide your full Social Security Number, Bank Account Number or Credit Card Number. 
Me : why is my new account suspended XXXX please reactivate XXXX XXXX XXXX : I am so sorry for that, I am from the money order paper check department. To give you further assistance with your inquiry. I will need to escalate you to another Chat representative from the MoneyGram online department. Please, allow me a moment. 
Please wait while we transfer your chat to the next available agent. 
XXXX XXXX is your new agent for the chat  session. 
XXXX XXXX : XXXX XXXX XXXX, my name is XXXX. How may I help you? 

Chats may be monitored and recorded, and your personal information may be processed in a country other than your own. 

For your privacy and security, please do not provide your Bank Account Number or Credit Card Number. 
Me : why is my new account suspended XXXX please reactivate XXXX XXXX  : I'm sorry to know about it, I'll be glad to verify the details for you. 
Me : sure XXXX XXXX : Thank you. I'll need to gather some information from your account to verify your identity. May I please have your date of birth? 
Me : XX/XX/1971 XXXX XXXX : Thank you. I am reviewing this information now. Could you please allow me one moment? 
Me : ok XXXX XXXX : Thank you for waiting. I've reviewed your account. Unfortunately, MoneyGram security system is not comfortable or unable to verify your identity online, so your online profile has been closed. I do understand how important it is for you to use the platform and I am sorry because of the news I am providing right now, as soon as the security team made the decision is not possible for you to complete the transaction online, however, we invite you to use one of our store locations where payments are only accepted in cash. If you allow me I can find a location nearby. 
Me : I can provide my passort or id to verify Me : for online transactions XXXX A : I really wish I could assist you with your request however please take into consideration that we have many rules and regulations that we need to follow. 
Me : I am US Citizen XXXXXXXX XXXX : Our service continues to be available for you from the store locations only. 
Me : but why? 
Me : I am copying us consumer agency XXXXXXXX XXXX  : I understand that you would like to have more information about the decision that was made and I apologize for the inconvenience, however, to protect the integrity of our security, we are unable to provide specific details regarding the information you are asking for.
Product: Mortgage

I am trying to refinance my current mortgage that I have with Newrez ( Shellpoint Mortgage ) with a different lender. One of the requirements for the new lender is that I need a 24 month payment history showing that all payments were paid within 30 days of the due date. I requested this 24 month history from Newrez ( Shellpoint ) and when I received the documents I was appalled to see that they applied multiple payments a month later than received, making it appear that I paid multiple payments over a month later from or about XX/XX/year> backwards. They have NOT been able to intelligently explain why they show several payments being applied over a month late. I provided each and every document the requested to show my timely payments to include my bank statements, stamped checks, etc. They still have not got it right when I've provided all of my payment evidence. They have been working on this for over 60-days now which is completely absurd because they are negatively impacting me as a consumer and I have had to withdraw my application with the new mortgage company because they can't proceed until I get an accurate 24-monthy payment history. Then they sent me a Loan History Statement that wasn't in chronological order and riddled with errors. I need help!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am m submitting this CFPB complaint to you today to inform you that I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX. 



According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Debt collection

I have a judgement from the XXXX XXXX XXXX XXXX XXXX that I did not know about. They received a default judgement in XXXX for a loan that defaulted before XXXX. They pulled a wage garnishment from my employer for a loan that has tripled because of post judgement legal rate interest. I was not serviced and was not able to defend myself. 
This debt was signed in Virginia and I was sued in Maryland.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX and Equifax credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and delete from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX Date opened XX/XX/2016 Balance : {$820.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I am looking at my credit report and i am seeing hard inquiries that i did not authorize from : XXXX XXXX on XX/XX/XXXX and XXXX XXXX on XX/XX/XXXX. 
XXXX XXXX on XXXX XXXX XXXX  on XX/XX/XXXX XXXX  on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX on XXXX XXXX XXXX XXXX XXXX on XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX on XXXX I did not give permission for the above companies to pull my credit. 


I also have a balance from an account titled " XXXX XXXX " for XXXX opened on XX/XX/XXXX that i have not authorized. 

There is also an account titled " XXXX XXXX  " for XXXX opened on XXXX XXXX that i did not authorize and have no knowledge about. 

I also have a account under the name XXXX XXXX XXXX XXXX with a XXXX balance that is showing closed on my credit report. I was told this account would be completely removed once paid, it has not been removed.
Product: Debt collection

CFPB closed all cases with attorneys XXXX and XXXX that used threatening and abusive language, retaliated and filed for sanctions against me for being a victim and reporting that they are in contempt of federal orders and consent agreements filed by CFPB on XX/XX/2022. 

Retaliation against victims and using abusive an threatening language was shared in these complaints that CFPB ignored and they ignored malpractices and misrepresentation of fact. 

No attorneys are above laws and no attorneys can be in misrepresentations to gain bias, favor or discriminatory acts against victims of financial crimes that have been verified to obliterate compensatory damages of the hundreds of thousands exploited and funneled out of my lawful property. 

XXXX BANKS tampered with documents and scribbled on documents that are out dated, without any authority, any right and with intentional disregard. 


XXXX XXXX XXXX XXXX XXXX consumer report Incorrect information on your report XXXX XXXX XXXX XXXX XX/XX/2022 XXXX Feedback provided XXXX XXXX XXXX Other personal consumer report Incorrect information on your report XXXX XXXX XXXX I do not know Took or threatened to take negative or legal action XXXX XXXX XXXX XXXX XX/XX/2022 Closed Feedback provided XXXX XXXX XXXX I do not know Took or threatened to take negative or legal action RUSHMORE LOAN MANAGEMENT SERVICES LLC XX/XX/2022 Closed Feedback provided XXXX XXXX XXXX XXXX do not know Took or threatened to take negative or legal action XXXX XXXX XXXX XXXX XX/XX/2022 Closed Feedback provided XXXX XXXX XXXX Other personal consumer report Improper use of your report XXXX XXXX XXXX XXXX XX/XX/2022 Closed Feedback provided
Product: Debt collection

I enlisted the services of XXXX XXXX to help manage and resolve my significant debt. XXXX XXXX advised me to stop all payments to creditors as part of their debt settlement negotiations. 

Citibank, in bad-faith, agreed to a debt settlement resolution amount with XXXX XXXX on my behalf. That settlement offer was extended to me, I relied upon that offer, and I accepted that settlement offer on XX/XX/XXXX. This settlement offer from Citibank was clearly fictitious and Citibank had no intention on following through with the settlement offer that they put forth. 

Although unclear, it appears that Citibank sold the debt to XXXX XXXX XXXX that is now threatening lawsuit. I contacted XXXX XXXX XXXX in writing on XX/XX/XXXX outlining what Citibank had done. I indicated the settlement amount that I agreed to and indicated that I could pay off this amount, that I agreed to, in two installments in order to close out this account. 

This course of conduct from Citibank in offering fictitious debt settlement offers with no intention of following through on the offer once a consumer accepts the settlement offer violates the Consumer Financial Protection Acts prohibition against deceptive acts and practices. 

I relied upon the settlement offer that Citibank made and negotiated with XXXX XXXX. These practices outlined herein are alarming, violate both state and federal law, disregard my financial situation, and economic challenges many are facing including myself, and highlight unfair, deceptive, and non-cooperative debt collection practices. These practices highlighted herein also raise concerns about Citibank 's commitment to working with consumers to find fair resolutions in times of financial difficulty and also raise concerns about transparency, honesty, and fairness from Citibank and its legal representatives which is crucial in fostering trust and fairness in financial services with consumers.
Product: Credit card or prepaid card

I was the victim of fraud on my EDD issued BofA card. Back in XXXX. When I became aware of it I cancelled the EDD card and notified BofA. Who at that point issued me a temporary credit pending an investigation.later on I received 2 letters from BofA stating the temporary credits were now permanent. Then in XXXX my account at the bank was frozen. BofA stated it was at the request of EDD. When i contacted EDD, I was advised there was no red flags no issues with my account. And to call the bank and informed them it was all good at EDD. In tbe process of resolving this issue. I observed money was being taken out. And once again when I inquired at Bofa I was informed money was being sent Back to EDD at their request. Surprisingly enough my EDD benefits were still being deposited on my cancelled Account. Toward the later part of XXXX my card worked again out of the blue. But over {$5700.00} was missing. I was only able to withdraw the last full edd payment and part of another one. I been calling BofA for the last 3 months. Without any resolution. Every time I call them I am told I need to escalate it.then the week after. They tell me the person the helped me before did not do it properly and is the same thing all over again.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive noticed that its inquiries on my credit profile that shouldnt belong and I would like them remove immediately ( XXXX XXXX XXXX, Cap1/Saks XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX5 USC 1681 Sec 604 Permissble purposes of consumer reports ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

I did not authorize the following inquiries on my consumer reports : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX They did not provide me with the original application or a wet-ink signature under the penalty of perjury of someone with knowledge of the matters attested to. 

Also under 15 USC 1681 Section 602 A I have a right to privacy.
Product: Checking or savings account

To Whom It May Concern, I would like to appeal the Chase Banks decision dated XX/XX/XXXX ( Chase letter dated XX/XX/XXXX attached here ) regarding a disputed {$200.00} charge initiated on XX/XX/XXXX. 

I was the victim of an XXXX Refund scam and this charge was a part of an effort to defraud me of a total of {$3000.00}, {$2800.00} of which was stolen from my Chase Bank account. 

Immediately after I understood that I was being scammed, I took steps to dispute and reverse the fraudulent charges. I contacted the XXXX XXXX Police Department to file a report ( Crime Report filed to XXXX XXXX Police Department attached here ) as well as Chase Bank and XXXX XXXX. 

I followed up by filing a report with the Consumer Financial Protection Bureau regarding Chase Banks initial response to my effort to get the disputed charges returned to my account. 

The results of these efforts were the same ; XXXX XXXX and Chase Bank both recognized that I was the victim of a scam, that the charges were made under fraudulent circumstances, and that I was entitled to have the charges reversed and the funds stolen from my bank account fully recovered in my favor. 

I dont understand why this one charge is being singled out for recovery from my account. I believe this is an error on Chase Banks part. 

Two things stick out as problematic for Chase Banks claim ( Chase letter dated XX/XX/XXXX attached here ) that the {$200.00} charge reported on XX/XX/XXXX was processed correctly or was authorized. 
1. The fraud report for a string of suspicious transactions was initiated with Chase Bank on XX/XX/XXXX. 
2. The transaction date on the letter is listed as XX/XX/XXXX to XXXX in the amount of {$200.00}. 

The XX/XX/XXXX charge to XXXX was initiated on XX/XX/XXXX. 

What I dont understand is that after I told Chase Bank on XX/XX/XXXX that a charge of {$200.00} to XXXX was made as a part of the XXXX Refund scam I was a victim to, why did Chase Bank still allow the charge to go through on XX/XX/XXXX? 

I dont understand why all the other charges made to my account as a part of this scam reversed in my favor and this one is now, 2 months later, being considered a correctly authorized charge. 

I believe Chase Bank has made an error in its research on this matter and should immediately rescind its decision to remove {$200.00} from my account. 

Respectfully, XXXX XXXX XXXX XXXX XXXX XXXX