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 Account # XXXX has violated my rights. 
XXXXXXXX XXXX XXXX Account # XXXX has violated my rights XXXX XXXX Account # XXXX has violated my rights XXXX Account # XXXXhas violated my rights XXXX XXXX XXXX XXXX Account # XXXXhas violated my rights XXXX  Account # :XXXXhas violated my rights XXXX XXXX Account # : XXXXhas violated my rights Bankruptcy Reference # : XXXX violated my rights DPT EDXXXX Account # : XXXX violated my rights DPT EDXXXX Account # : XXXXviolated my rights DPT EDXXXX Account # : XXXXviolated my rights DPT EDXXXX Account # : XXXXviolated my rights DPT EDXXXX Account # : XXXXviolated my rights DPT EDXXXX Account # : XXXXviolated my rights DPT EDXXXX Account # : XXXXviolated 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 information is inaccurate.
Product: Payday loan, title loan, or personal loan

I entered into a contract with Rise with an interest rate over 100 %. About a month or two after the first payment, the XXXX of California passed a law that was codified as CA Fin Code 22750 that states no person has any right to collect or receive any principal, charged or recompense in connection with the transaction. ( rates in excess of 36 % ) I have tried to resolve this with the company but have had no success. In an attempt to collect their debt they are citing an amount of interest and principal that violates this law on all three credit bureaus.
Product: Credit card or prepaid card

On XX/XX/20, I applied for a XXXX XXXX XXXX credit card through Chase Bank while booking a flight to XXXX. The offer was for a {$200.00} statement credit after the first purchase with the card, as well as XXXX points after spending {$500.00} with the card within the first three months. I was not approved immediately, so I did not find out until two days later that my application had been approved. I received my card later that month and began using it. My first purchase was on XX/XX/XXXX, ( a XXXX flight to XXXX ), which should have qualified me for the {$200.00} statement credit. The {$500.00} threshold was reached in early XXXX. 

After the credits did not appear automatically after the required time had elapsed, I contacted Chase about the rewards. They then informed me that I had not applied for the offer I thought I had, but instead a different one. Because the other offer had different conditions, I had not met those conditions, and thus I was not eligible for the rewards. I explained what happened, sent in screenshots of the offer, but they still refused to give me the rewards of the original offer.

The original offer I applied for is still active on their website, and the terms can be found here ( XXXX : XXXX? XXXX & XXXX & XXXX & XXXX & XXXX ). Or you can go through the process of selecting a flight at XXXX. The offer, and the link to apply for it, are below the " Trip & Price Details ''
Product: Money transfer, virtual currency, or money service

I bank with Wells Fargo and sent a domestic wire on XX/XX/2024 for {$1500.00} and another one on XX/XX/2024 for {$8600.00}. These wires were going to a crypto currency exchange called XXXX ( XXXX of the bigger, well known exchanges ). I have probably sent XXXX wires over the last 2 years the same exact way to the same exact recipient. Now my bank has stated that XXXX flagged them as suspicious, even though I have sent wires like this before plus I sent another {$1500.00} on XX/XX/2024 that went through with no issues ( inconsistency ) .... I have now called my bank XXXX times and they have given me XXXX, XXXX  day times frames for this to be resolved and NOTHING. It has now been a month and I have no idea what the hold up is. All they say is that the wires are " in progress ''. What does that mean? I have submitted all the verification they have requested and explained who crypto.com was, etc. My money is just sitting somewhere and no one will figure out the problem.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX SSN : XXXX XXXX : XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX, PA XXXX Dispute of Unauthorized Inquiries Dear TransUnion, I am writing to formally dispute unauthorized inquiries on my credit report. After reviewing my report, I found the following inquiries that I did not authorize : Unauthorized Inquiries : XXXX XXXX Bank  ) Date : XX/XX/XXXX XXXX ( Bank  ) XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX ( Auto ) XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX ( Bank ) XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX ( Finance XXXX XXXX XXXX XX/XX/XXXX These inquiries were made without my consent, violating my rights under the Fair Credit Reporting Act ( FCRA ). 

15 U.S. Code 1681c-2 : A consumer reporting agency shall block the reporting of any information identified as resulting from alleged identity theft within 4 business days of receipt.

15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) : The inquiries are in violation of not reporting 100 % accurately.

Fair Credit Reporting Act : The inquiries have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681.

15 U.S.C. 1681 section 602 ( a ) : I have the right to privacy.

15 U.S.C. 1681 section 604 ( a ) ( 2 ) : A consumer reporting agency can not furnish accounts without my written instructions.

I am requesting the original copy of the agreements and terms and conditions related to these inquiries. Failure to comply will forfeit your claims and require you to delete all the items listed above. You are required to block these transactions from being reported to my consumer report within 4 days from the date of receipt of this notice. 

Please delete these inquiries unless you wish to be held accountable for {$1000.00} per inquiry. 
Thank you for your prompt attention to this matter. I look forward to your response. 
Sincerely, XXXX XXXX
Product: Mortgage

I have a conventional 30-year loan with US Bank Home Mortgage. I have never been late with a payment. I recently changed insurance providers and paid for the next 12 months in advance to the new insurer. I called US Bank to request that insurance be deducted from my escrow account and to recalculate the escrow to a new ( lower ) amount. 

US Bank sent me a letter saying that I had to pay {$330.00} as an " escrow waiver fee ''. Because I accepted the bank 's discount for the bank to escrow my insurance, I forewent having to pay this fee. The fee is equivalent to an eighth of a percent of my unpaid principal balance. 

Today, XXXX XX/XX/2019, I called the bank back after receiving this letter to complain about this fee. The customer service representative repeatedly said that since I waived the fee at closing, hence the discount, the bank would be reinstating the fee. 

I believe this is an unfair banking practice because the bank is basically saying I have to pay them a fee for them NOT to provide the service of escrowing my home owners insurance and then paying it on my behalf. I am an adult and am capable of paying the insurance company directly, and then providing the bank proof of insurance payment. It's ridiculous that I have to pay the bank a " fee '' ( whether at closing or later during the serving of the loan ), NOT to take an action. This is extortion : " Pay me to not provide a service ''.
Product: Credit reporting or other personal consumer reports

See the attached documents. I want the bureau to start the investigation on these accounts. I am never been late on this account.
Product: Mortgage

I am trying to obtain a loan modification with CitiMortgage. Without notification, they sent the loan modification paperwork via XXXX which I never received. My attorney had claimed Chapter XXXX to prevent them selling my house many months ago which we let be dismissed because they were working with us but in such time, they will not accept my payments, will not provide me with a XXXX, have put my house back into foreclosure and therefore we have been forced to file again. My mortgage support specialist never calls back when he says he will not even to my attorney. My situation is complicated so there was additional paperwork, in which they did not disclose the information for, that was signed and delivered for the second step of this process that they DID receive, however, they never contacted us about the loan modification documents which was the first step. There seems to be no protection for me because the XXXX envelope was not delivered to the proper address or got lost somewhere or put in a bush. I do n't understand how this is acceptable. There needs to be some sort of culpability for the mortgage company. We have been jumping through hoops for the last year and a half trying to get this settled and still it is not. I am a single mother just trying to save her house and I feel like I have no rights and that they can just do or say whatever they want. Are there any protections in place that would ensure they proceed in a professional manner and are responsible for their actions and holding up their side of the bargain?
Product: Debt collection

This collection i'm asking you to remove from my account that is {$1300.00} from DIVERSIFIED CONSULTANTS that has been re opened 2 months ago when i want this removed from collections my credit is already bad i dont need it any worse im asking to please remove this from my collections account im trying to apply for a credit card with all these collections and hard inquiries.i cant go no where with out these things gone
Product: Credit reporting, credit repair services, or other personal consumer reports

Every since XX/XX/2019, I have been writing and sending my personal information to Equifax & XXXX XXXX to receive my free credit reports as date I javent received any of my credit reports.
Product: Credit reporting or other personal consumer reports

Transunion continues to allow XXXX XXXX to report incorrect data on my credit report. Instead of delaying payments as discussed. They are reporting past due amounts that are incorrect. This is a violation of my consumer rights. I demand that the accounts be deleted off my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( XXXX ) this account is in violation of not reporting 100 % accurate. 

The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? 

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification-Description of reinvestigation procedure.
Product: Credit reporting or other personal consumer reports

I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than XXXX business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX MO XXXX XXXX XXXX Northwinds XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX WI, XXXX XXXX XXXX XXXX, XXXX XXXX IL, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX WI, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX WI, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX WI, XXXX XXXX XXXX XXXX Balance : {$160.00XXXX XXXX  XXXX XXXX Balance : {$330.00} XXXX XXXX XXXX Balance : $ XXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance XXXX {$320.00} XXXX XXXX  XXXX XXXX XXXX : {$7900.00} XXXX XXXX XXXX XXXX Balance : {$3100.00} XXXX & XXXX XXXX Balance : {$1100.00} XXXX XXXX XXXX XXXXXXXX Balance : {$1100.00} XXXX XXXX XXXX XXXX Balance : {$730.00} XXXX XXXX XXXX XXXXXXXX Balance : {$680.00} XXXX XXXX XXXX : {$570.00} XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXXXXXX XXXX, XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX
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  Account # 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: Credit reporting or other personal consumer reports

Please be advised this is my LAST WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. 

Despite previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

I demand the following accounts be verified or deleted immediately.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX XXXX XXXX Date Opened : XX/XX/year> Balance : {$0.00} Late/Open
Product: Money transfer, virtual currency, or money service

Coinbase has disabled all functionality and does not allow me to withdraw my money
Product: Credit reporting or other personal consumer reports

I am reaching out to you regarding the compromise of my social security number, as I have fallen victim to Identity Theft. I have already taken the necessary steps to address this issue, including filing a complaint with the Federal Trade Commission ( complaint # XXXX attached ) and TRANSUNION File Number : XXXX.
Product: Student loan

XX/XX/XXXX : Received notification that the mailing address for checks would change on XX/XX/XXXX XX/XX/XXXX : Payment Sent XX/XX/XXXX : Received reminder notification that the mailing address for checks would change on XX/XX/XXXX *Please note that no late payment notices were sent between XX/XX/XXXX - XXXX XXXX XX/XX/XXXX : Payment Sent XX/XX/XXXX : Payment Sent XX/XX/XXXX : Payment posted to account XX/XX/XXXX : Payment Sent XX/XX/XXXX : Notice 30 day past due XX/XX/XXXX : Payment Sent XX/XX/XXXX : Payment Posted to Account XX/XX/XXXX : Payment Posted to Account XX/XX/XXXX : Payment Sent XX/XX/XXXX : Contacted Scratch via email after multiple chat attempts and phone calls. At this time, I was receiving notices that my account was delinquent, but my account showed a {$0.00} payment due. 
XX/XX/XXXX : Last Payment processed XX/XX/XXXX : Payment Sent XXXX XX/XX/XXXX : Scratch reports account 30 days past due for XX/XX/XXXX, this action drops my credit score XXXX points XX/XX/XXXX : Received notification from XXXX  XXXX XXXX, that payment from XX/XX/XXXX was Void due to not being processed XX/XX/XXXX : Payment Sent XX/XX/XXXX : Scratch responds to my inquiry ( a month later ) with a copy paste of the same email received XX/XX/XXXX - with no further information. 
XX/XX/XXXX : Receive notice account is past due XX/XX/XXXX : Received notification from XXXX  XXXX XXXX, that payment from XX/XX/XXXX was Void due to not being processed XX/XX/XXXX : Sent email to Scratch asking why my payments are not being processed. 
XX/XX/XXXX : Payment Sent XX/XX/XXXX : Scratch updates credit file as " Current '' XX/XX/XXXX : Received response from Scratch pertaining to a PPP Loan, no response to inquiry. 
XX/XX/XXXX : Cancelled Payment for XX/XX/XXXX due to non-response from Scratch ; Amount shown due is {$290.00}, the payments from XX/XX/XXXX, XX/XX/XXXX, & XX/XX/XXXX total {$220.00}. I paid the account bi-weekly and made up any difference with extra payments by the end of the month. 

Through this entire process, I called Scratch at least once every couple of days. They do not call back, I have never reached a person on the phone. I attempted to use the chat as well - no response on chat. I was able to get a copy of the transcript from today where I was in Queue Position 1 for 1.5 hours. The company has not posted any payment sent via Bill Pay since XXXX. They are not on social media, so I am unable to contact them in that way as well to speak about my account and concerns. The information in the Borrowers Portal does not match notices sent. There is 0 % communication available to me as a Borrower to have this concern resolved internally so I have had to resort to reporting their practices to whatever entities I can.
Product: Debt collection

i received a letter that i had an account in litigation with an attorney. during the time i was moving and i've also worked with a litigation attorney and know they are allowed to garnish your paycheck ; i was fearful this would effect my moved by taking my money i set up a payment plan. after getting settled i came across the paper and did more research and found out these XXXX accounts aren't even reported to none of the credit bureaus. i called XXXX  and the gentlemen i spoke with was unable to provide me with the requested purchase agreement, any document bearing my signature, and was unable to answer if these were credit cards then why aren't they being reported to any credit bureaus so i can do a proper dispute. all he kept telling was to go over my previous purchases and i told him that doesn't mean anything because those charges could have come from anyone and since this is a XXXX XXXX collection agency i am required by the FCRA law to have a proper investigation completed. he advised me that it would take XXXX  days but in the mean time they would not continue to collect on the debt. i advised him i had this conversation recorded and i would be contacting the CFPB because i am required to receive a response in XXXX  days and if this was properly handed off to you ( w/o my consent ) then they should have the documentation i am requesting. as of today i have paid over XXXX $ and would like to not only be reimbursed but have this removed from account. attached is a copy of the cease and desist letter i sent to them as well as the audio from our phone call
Product: Student loan

I have just found out that the company that has my student loans is being sued by several states and your agency as well. My loans are held by Navient. I have the same complaint as others have voiced about not having been given any information about income based payments. Instead I have have been steered by Navient to delay payment with deferments which incurred huge amounts of interest. My loan now is over XXXX. Can I join in this lawsuit? What are my legal options?
Product: Checking or savings account

I am writing to formally dispute fraudulent activity that occurred on my closed XXXX XXXX checking account, which I paid off in full back in 2021 While working out of town, someone fraudulently deposited fake checks into my account. Unfortunately, this led to my checking account being closed due to fraud. As a result, I have been unable to open a new checking or savings account with any financial institution
Product: Credit reporting or other personal consumer reports

MY CREDIT REPORT WAS PULLED WITHOUT MY PERMISSION. I DIDNT SIGN ANY CONTRACTS WITH THESE COMPANIES AND I WANT THESE REMOVED OFF MY CREDIT REPORT. 

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

In Accordance with the Fair Credit Reporting the following accounts are violating 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 that a consumer reporting agency can not furnish an account with out my written instructions. 

XXXX act. # XXXXXXXX XXXX act. # XXXXXXXX XXXX act. # XXXX XXXX XXXX XXXX XXXX. # XXXX Also these inquiries reported on my credit report don't belong to me : XXXX XX/XX/year> XXXXXXXX XXXX XXXX XXXXXX/XX/year> XXXX XX/XX/year>