23daVinci/CFPB_Complaints huggingface dataset:
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. 



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 inructions 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. 

These are the inquiries which should be off from report. 
XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting

I gave a months notice and I moved out of a house. The room mates stayed and did not pay rent and received a judgement against them and my name was attached to it even though I moved out. It has killed my credit and would like my name taken off the judgement and restore my credit above what it is now. Thank you XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received a copy of my consumer credit report and I noticed some accounts that should not be there : XXXX XXXX XXXX XXXX XXXX EXPERIAN is in clear violation of the law, Under 15 USC 1681b - Permissible purpose of consumer reports, THE LAW CLEARLY STATES that 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. I did not give EXPERIAN written instructions to furnish this account on my consumer report. 

And further, EXPERIAN is in violation of 15 U.S. Code 6802 ( b ) ( 1 ) ( A ), ( B ) and ( C ) ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 
You have to give me three disclosures. I have not received three disclosures. Without these disclosures my information should not be in any consumer reporting agencies database. EXPERIAN did not disclose this information to me which is required by law, they knowingly and willfully withheld pertinent information regarding the disclosure of my information to affiliated and non affiliated third parties, and they knowingly and willfully withheld information that explained how I the consumer can exercise that non disclosure option.

And further, EXPERIAN is not obeying Title V of the Gramm-Leach-Bliley Act.
Product: Checking or savings account

On Tuesday, XXXX XXXX I contacted chase to inform and inquire them about a large deposit of 5000 dollars that was going to be deposited in my account and i wanted to know when the funds would be available. I was informed that the funds would be available immediately. I transferred the money into my account that evening, 2000  from XXXX and 3000 from XXXX  The next day my account was closed and the money disappeared. I was told on several different occasions the money was returned to me, that the money never hit my account and that i should see the money any day. As of today XXXX XXXX1i still do not have my money returned to me. I have contacted XXXX  and XXXX XXXXustomer service and neither of them sees any transaction from chase on the money coming back to me. They will not do any investigations just repeating the money was returned.and that the money never hit my account no one knows anything as to where my funds have gone and no one at chase is willing to put any effort on helping me trace where my funds have gone. I have uploaded correspondence from both XXXX and XXXX showing that the money was transferred into that account successfully. My account was closed without any notification or reason as to why but a couple days later i was told i could reopen the account which i refused. I would appreciate your immediate response to this complaint. Thank you
Product: Mortgage

On Friday, XXXX XXXX I called the CFPB with questions about Flagstar Bank 's Consent Order and was given telephone number for a settlement refund line and Flagstar Bank. I called the Payment Administrator at XXXX and spoke with XXXX. I stated no, I did not get a postcard but I was sure I should be on the list. I then called Flagstar Bank at XXXX and spoke with XXXX. He asked for my old account number which I did not ave readily available so he used my social security number. XXXX told me that I was not on the list because I was never in the Loan Modification process. I told XXXX in XXXX XXXX, I started inquiring about a loan modification due the difficulty I was having in making my payments. Starting XXXX XXXX, XXXX, through XXXX XXXX, XXXX, I received and sent loan modification package information to Flagstar Bank. On XXXX XXXX, I called XXXX XXXX to get a status on my application and XXXX told me my application was denied. The application was denied because I was deficit {$320.00} Basically, XXXX explained I could not afford the mortgage. Early XXXX XXXX, I received a certified letter from a law firm stating my loan was in default and I could lose my home. I contacted a law firm that supposedly stopped the court proceedings and offered loan modification services.This law firm, XXXX was quite costly at approximately {$8500.00} and proved to be not so trust worthy. Then on XXXX XXXX, XXXX, XXXX XXXX called from Flagstar and conducted a XXXX, borrowers financial interview along with receiving letter dated XXXX and XXXX/XXXX/XXXX acknowledging receipt of loan modification packages starting a new application. On XXXX XXXX, XXXX, Flagstar announced my mortgage had been sold to XXXX XXXX effective XXXX XXXX, XXXX. So XXXX look further into his system abd he found where yes, XXXX had applied for loan modifcation, etc. XXXX gave me case to reference and stated he would escalate. I wonder how many other consumer may be overlooked like me?
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Checking or savings account

I followed procedures for reactivation, but the account was not reactivated after a month of waiting. There are no physical branch locations in my state, and customer service is offshored, with no option to speak to an American agent. 

I have over XXXX in frozen funds essentially held XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I called XXXX to remove inquiries that I did not authorized. I spoke with a XXXX XXXX that was handling my request. In the midst of our phone call, as he was confirming the inquiries that I needed to be removed/deleted, the call was disconnected. I called back and another XXXX XXXX received my call. I explained to her what happened and how the XXXX XXXX was in the midst of deleting the unauthorized inquiries and she could continue as well and she told me that she couldn't do it, again I explained on how the other XXXX Rep was in the processing of deleting these unauthorized inquiries, however she did not care. Needless to say, she didn't help with what the other XXXX XXXX was more willing help me with. There is several inquiries that I did not authorize to pull my credit, some of the same unauthorized inquiries was pull several times. XXXX XXXX was pulled on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. XXXX was pulled on XX/XX/XXXX & XX/XX/XXXX. XXXX XXXX was pulled on XX/XX/XXXX. XXXX XXXX was pulled on XX/XX/XXXX. XXXX XXXX was pulled on XX/XX/XXXX. XXXX XXXX was pulled on XX/XX/XXXX. XXXX was pulled on XX/XX/XXXX. XXXX XXXX was pulled on XX/XX/XXXX. None of these places had my authorization to pull my credit or anything relating to this matter. I also contacted TransUnion on XX/XX/XXXX and spoke with a XXXX XXXX who also told me that they doesn't remove/delete inquiries. I will have to contact all creditors and have them to send a deletion letter. I also called XXXX on XX/XX/XXXX whom as well told me the same thing TransUnion stated except they put a XXXX alert on my credit file and still wouldn't help me with these unauthorized inquiries.
Product: Credit reporting or other personal consumer reports

Transunion, XXXX, & XXXX continue to report incorrect information on my consumer report that I have asked that it be deleted. My name is XXXX XXXX this is my only name. My address XXXX XXXX XXXX XXXX XXXX SC XXXX this is my only address and any other address is not mine and needs to be removed.
Product: Debt collection

I've repeatedly tried to dispute and resolve this issue with National Credit Systems as well as the credit bureaus. They are in violation of FCRA 15 usc 1681, furnishing and reporting inaccurate information on my reports. They're also misstating the balances. The documents that National Credit Systems sent me to attempt to verify the alleged debt owed from the original creditor is {$1600.00}, however NCS is furnishing a new balance of {$1600.00} showing 1 % of the debt was recently paid on all my credit reports. Again I have no account or business with this company or gave my permission or written consent to allow them to report anything. They have been in default with providing me ALL requested documents or documents producing my wet signature of agreeing to allow them to collect. They refused to provide agreement between the legal stand on this collection in SC with the original creditor. There has been no payment made at all that supports the false information and different balances. The credit bureaus as well as National Credit Systems are not upholding the law but instead are using deceptive measures to collect and furnish obsolete inaccurate information. Under the law this account should have been removed and not allowed to continue to be a defamation of my character. This should be removed immediately from all my reports. Failure to do so will force me to sue and take legal civil actions against all parties.
Product: Mortgage

This is a followup complaint to the original submission on XX/XX/22 with BSI financial. I have still not heard from them, and as of today XX/XX/22, my county government still has not received escrow payment from them.

Since my original submission, I have talked to a real estate attorney and housing counselor. I have contacted my district 's councilman.

They all told me to file complaints to other agencies. The housing counselor is suspicious that BSI is using 3rd party paper checks in this day and age and that BSI could not provide me a tracking number of the check when asked. 

If you look at their online reviews, they are all negative. Interestingly, there are a lot of reivews asking if the place is hiring which is also strange. 

I have been instructed to submit these new complaints and report to local authorities about possible money laundering.
Product: Mortgage

The mortgage service company refuses to reduce my monthly payments or interest amount due even though I have made extra payments to pay down principal. My outstanding principal on XXXX XXXX, 2005 was approximately {$360000.00}. I made {$25000.00} worth of principal payments on XXXX XXXX, 2005 and another {$1000.00} in principal payments on XXXX XXXX, 2005, but they refuse to recalculate the monthly amount due and have continued to charge interest on the principal amount of {$360000.00}. 

They claim that they will make XXXX only adjustment to monthly payment amounts per year and will require notarized documents in order to do so. Furthermore, if I want to make additional payments against principal, I need to do it before the XXXX of the current month in order to go into effect 45 days later. 

These are ridiculously deceptive practices. If I pay down the principal of my loan, they should not continue to charge me interest on the previous amount. Furthermore, they should not have to make me jump through hoops such as notarized documents in order to pay down a loan, nor should they hold on to my money for 45 days and still charge me interest on the principal. 

I have filed a previous complaint to this effect. The company took 2 months to respond and basically told me they were going to follow the same practices as above. They provided no documentation to support their contention that it 's ok for them to hold onto my money and not reduce my payments. They claimed various " processes '' that take more than 6 weeks to execute, even though over the phone, the customer service person was able to compute a new payment amount in less than 5 minutes using a basic mortgage repayment calculator. 

I would like them to repay the interest on the money they have held onto now since XXXX and allow me to pay down my loan and get the benefit of lower monthly payments, as should be the case.
Product: Credit card or prepaid card

A charge for {$43.00} was placed on my Citi card on XX/XX/XXXX. I only use this card for emergencies. I submitted a dispute to Citi. After the fraud investigation, the put the charge back on my card. I contacted Citi and they said the vendor informed them merchandise was delivered to my address. I told Citi this company that charged me is a fraudulent company. I never placed an order and I never received anything. Citi asked that I email them a written statement to dispute this charge again. I sent it on XX/XX/XXXXand have not heard back. I sent them a password reset used on the fraudulent companies website. The email came back in XXXX and I do not have an account with them. I contacted the fraudulent companies phone number and they say in their voicemail that they do not have a call center and that I had to email them for help. I did that, and of course there is no response since the company is fake. Citi has not taken appropriate actions to resolve this charge. I am a loyal customer and never missed a payment.
Product: Debt collection

{ debt Collector Agency ) Lazega and Johanson locate at XXXX XXXX XXXX, Ga ( XXXX ) XXXX I received a letter from them stated that I owe my HOA in the principal balance of XXXX but they added fees and court fee equal to the amount of XXXX. I requested a payment plan with them. I already payed them XXXX, XXXX. I have missed a couple of payment as a result they send court paper to my tentants in the amount of XXXX as a rent garshment I still wanted to work with them. I then told Ms. XXXX XXXX the person that I also contacted regarding the matter. I told her that its not right that They keeping adding fees that it against the Fair trade Act. She knowledged that but say so, I then asked for a settlement, she wrote me back with the amount of XXXX. She say that the company is only going to accept a settlement on that amount, nothing else. I said where does that amount come from. She said they added post judgement balance of XXXX was added to the amount. She received to answer my calls. I said the balance was 3, XXXX How come Iam paying 2x as much. They told my tentant to go to the court to pay the rent to pay the rent to them as of XXXX XXXX. I called the HOA and told them what was happening. They told the HOA that I have a payment plan with them which is not true. They have not submitted any paperwork to the HOA showing my payment history. They didn't even forward my request to settle with them.
Product: Credit reporting or other personal consumer reports

XX/XX/year> Experian Information Solutions , Inc . 
XXXX XXXX XXXX XXXX, TX XXXX Subject : Dispute of Collection Account on My Credit Report From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, TX XXXX Email : XXXX Phone : XXXX ( XXXX ) XXXX Dear Experian Representatives, I am writing to formally dispute the accuracy of a collection account listed on my credit report. In accordance with 15 U.S.C. 1692g, under the Fai

r Debt Collection Practices Act ( FDCPA ), I am requesting verification of this collection account. Legal Basis : 15 U.S.C. 1692g Validation of Debts The law clearly states : ( a ) Notice of debt ; contents. Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumer 's written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor.

Under this law, if the debt can not be verified, it must be removed from my credit report. Therefore, I respectfully request that this collection account be validated. If the collection agency can not provide adequate validation, Experian must remove this account from my credit report as required by law.

I have attached a copy of my identification and my credit report for your reference. Please confirm in writing the resolution of this dispute within the legally required timeframe. 

Thank you in advance for your attention to this matter. I look forward to a prompt resolution in compliance with the law. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Debt collection

I received a letter from certain " XXXX XXXX XXXX XXXX '' stating that I owe money on an account I never had. The letter dated XX/XX/2021 with Ref # XXXX and Settlement Amt : {$320000.00}. Also stating in the mail that several attempts have been made to contact me over the years which I have not received any mail in the past.
Product: Debt collection

Amsher Collections has knowingly placed a corporate account under my personal credit file for creditor XXXX Account belongs to XXXX XXXX XXXX, an XXXX  in the state of New York XXXX Account was opened as a business account with a business tax ID # - I never gave my social security # nor signed a personal guarantee. Attached is a copy of their initial email to me where they list solely the corporate name.
Product: Credit reporting, credit repair services, or other personal consumer reports

On my credit reports there is a closed account with huge amount of missed payments. JPMCB - CARD SERVICE Opened XX/XX/2012 Its not mine account. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA JPMCB - CARD SERVICE has violated my rights as a consumer and I requesting legal action to remove this account immediately.
Product: Vehicle loan or lease

I am entitles to at least XXXX from wells Fargo for a repossession and I have not gotten it
Product: Credit reporting or other personal consumer reports

Kindly remove this to my XXXX XXXX This is causing me a lot of XXXX and XXXX.
Product: Debt collection

There is a collection agency appearing on my credit report. I have contacted this agency on several attempts to provide documentation on services provided by them for the supposed debt owed. They have sent me on numerous attempts a signed copy of the consumer rights and responsibility page with a signature. I requested an actual medical bill for services and I was sent a piece of paper with my information on it and a total due. No itemized statement of services that were received. After the 5th letter I sent to them the company sent e a letter with a check in the amount of {$120.00} attached and apologized for the inconvenience. However, will not remove the item off my credit reports. I disputed with the Credit bureaus and because my name and address matches they validate this as my debt. I did not receive services at the hospital that claims to have given the service.
Product: Money transfer, virtual currency, or money service

PayPal set a limitation on my account and locked me out for no reason. I have tried numerous times to email, file a report to get it up back online and going but they did not help me with anything at all! I have not been able to get any help from them for months since XX/XX/2020 and just remembered I can file a report here as I do feel they are not doing their job properly and is affecting me a great deal since I used it for business. Their " contact us '' and " help '' tab are completely useless and deceitful especially their staffs replying the emails. My email linked to the PayPal is XXXX I really hope your department can help me resolve this issue. I have been living on emergency money for months now and will gone after paying my car installment and mortgage in XXXX. This covid situation hit my family very bad, I'm in desperate phase now. Please help me.