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

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Charge amount XXXX, XXXX XXXXXXXX XXXX  charge amount XXXX, XXXX XXXX XXXX charge amount XXXX, XXXX XXXX XXXXXXXX charge amount XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXXXXXX XXXX  XXXX XXXX XXXX XXXX charge amount XXXXXXXX XXXX XXXX XXXX  charge XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A States i have the right 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
Product: Bank account or service

I opened up an account with US Bank for their {$150.00} account opening promotion. A couple days after I setup my direct deposit they said they decided to close my account because of my trial deposits. This makes no sense as when you link any external account a trial deposit is made. They said this is because my name is not on the account and I told them it is a joint account and i can offer bank statement if necessary. This is absolutely ridiculous for closing my account over a trial deposit and I highly suspect they simply do n't want to pay out the {$150.00} bonus.
Product: Credit reporting, credit repair services, or other personal consumer reports

I been trying to get insurance on my vehicle for some time now. Every time I get a quote it either comes back too high or I am ineligible. When I ask why I get told that it could be that my credit history is not too good. I finally decided to pull my credit report and I found things on there that I have never applied for including a bankruptcy. These items are not mine. Please remove them from my report immediately. 

XXXX XXXX {$1500.00} XXXX XXXX {$1200.00} XXXX XXXX {$3300.00} XXXX XXXX {$710.00} XXXX   XXXX {$410.00} XXXX XXXX {$1500.00} XXXX {$500.00} CHAPTERXXXXBANKRUPTCYDISCHARGED XXXX
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 XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX and 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: Checking or savings account

On XX/XX/XXXX of 2024 cashapp charged my main linked bank account {$100.00} claiming that the funds were added to my cashapp account. This was not the case. I did not authorize this and the funds were not added to my cashapp account. Cashapp simply took {$100.00} from my XXXX XXXX Banks account. I disputed this with my bank and cashapp refunded the {$100.00} back into my XXXX XXXX Banks account. They are claiming that I did receive the {$100.00} in my cashapp account and spent the money. This is simply not true and the numbers do not add up in cashapps favor here. As of today ( XX/XX/XXXX of 2024 ) cashapp deducted {$100.00} from my cashapp account making my account go negative. At XXXX XXXX time I called customer support with cashapp and was unable to resolve the issue. This phone call should be recorded. The customer representative simply said that " cashapp does not make mistakes and it couldn't be an accounting error. '' I have one of my jobs directed deposited to my cashapp and frequently use cashapp. Their accounting statements do not add up.
Product: Credit card or prepaid card

My Chase Sapphire Credit Card ( and phone ) were stolen on XX/XX/XXXX at XXXX. I reported it stolen to the police at XXXX on the same day. Starting at XXXX, while I was in the presence of two police officers completing a police report, the thief made over {$7100.00} in fraudulent charges to my Chase credit card an hour away from my location. Chase refuses to remove these charges from my card. 

My attempted contact with Chase : I emailed Chase on XX/XX/XXXX, XX/XX/XXXX, XXXX, and XX/XX/XXXX. I sent Chase messages through their secure messaging app on XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XXXX. I did not receive a single response. 
I've called Chase dozen of times starting on XXXX during their business hours. They either didn't answer the phone or I spoke to an operator who could not connect me to the Fraud department. In total, I've received two voicemails, and one call from Chase. During the call, the Chase representative hung up on me and did not call me back.

I sent Chase a copy of my police report by certified mail which they received and I've emailed them my police report twice. I've emailed them the phone number and email address of the Deputy Police Officer investigating my case, but Chase has not called them.

Chase has sent me three letters dated XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX stating that the {$7100.00} in fraudulent charges are valid. My Chase credit card bill is due on XX/XX/XXXX, these fraudulent charges are still on my account, and I am not paying them or for the interest that will accrue.
Product: Money transfer, virtual currency, or money service

I received a Friends and XXXX transfer on PayPal that I didnt ask for. The family member who sent the funds is elderly and sent it in error. The amount sent was meant to be {$500.00}, but the family member incorrectly keyed in {$50000.00}. The family member immediately contacted both PayPal and their bank. The bank confirmed the transaction would not process. PayPal refuses to cancel the transaction and is telling me to refund the non-existent money back to the family member. I did not request the money, its never been processed as a financial transaction from the bank, and I do not want it on my account. Its being treated as income to me of $ XXXX that I didnt ask for. PayPal just needs to cancel the transaction that never processed.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 DPT EDXXXX : # XXXX, XXXX XXXX : # XXXX, DPT ED/XXXX  : # XXXX, DPT EDXXXX : # XXXX, DPT EDXXXX : # XXXX, DPT EDXXXX : # XXXX, DPT EDXXXX : # XXXX, DPT EDXXXX : # XXXX, DPT EDXXXX : # XXXX, DPT EDXXXX : # 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, has violated my rights.

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

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

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

I used the " company '' Fedloan Help to transfer my student loans to a lower payment plan. Without receiving written or verbal consent from myself they removed {$320.00} from my banking account using a similar title to that of my student loan service at the time. As a result, they were able to remove the said amount four times. Upon noticing that this money was not going towards my current student loan and attempting to contact the company serval time, I had my bank stop payment. They used an alternate title to remove the money to which I needed to then stop the payment again. They then, attempted to contact me multiple times from a blocked number to address the money being stopped. It was claimed that the money should be going towards the student loan, but to the new company. Once my loan was transferred to the new company, it was stated that the money was not placed to the new account. In fact, my current principal balance when transferred went up by a total of XXXX. On XXXX XXXX, 2016 my student loan was a total of XXXX and when I received new paper work from my current loan company it is now XXXX. At this point in time, this company has taken a total of XXXX. 

The following is the contact information for the company : FEDLOAN HELP XXXX XXXX XXXX XXXX, XXXX . XXXX XXXX XXXX, CA XXXX Toll-Free : ( XXXX ) XXXX XXXX : ( XXXX ) XXXX Email : XXXXXXXXXXXX Thank you for you time, in advance. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX from XXXX XXXX XXXX XXXX - {$1100.00} date opened XX/XX/XXXX XXXX XXXX XXXX from XXXX XXXXXXXX XXXX XXXX - {$1400.00} date opened XX/XX/XXXX XXXX XXXX XXXX from the XXXX XXXX XXXXXXXX {$1100.00} date opened XXXX, XXXX XXXX XXXX XXXX XXXX from XXXX XXXX XXXX - {$570.00} date opened XXXX, XXXX XXXX XXXX, XXXX XXXX for {$460.00} date opened XXXX XXXX XXXX XXXX for $ XXXX date opened XXXX, XXXX XXXX XXXX XXXXXXXX for {$530.00} date opened XXXX, XXXX XXXX XXXXXXXX XXXX  for {$860.00} date opened XXXX, XXXX XXXX XXXX XXXX XXXX  {$650.00} date opened XXXX XXXX. 

all of these and maybe more. I have never owned a credit card, only used a debit card, yet I have all these accounts open or in collection. The phone number on the accounts is not mine.
Product: Credit card or prepaid card

I noticed a credit limit change on a XXXX card runy by Synchrony Bank this is the secnd complaint against this bank as they control multiple companies, I contacted the bank thru XXXX and they insisted a letter was being sent even though they didnt have my information. I asked for a call and later received one from XXXX and we talked for several min he stated he was unable to see why my limit was lowered and mantioned calling me back. he later called back and said that no letter was sent and it was lowered because of lack of use I asked about getting my limit returned and he said he could transfer me, the young lady went over a few things and i then asked her, so your going to run a credit check and see that your own company lowered my credit limit thus lowering my dredit rating, is that correct, she replied maybe, i asked then so the actions your company took then lowered my credit rating by XXXX points and i feel it shoule be fixed, she asked if i wanted to run a credit increase, I SAID NO> asked for her number and said i would call back, on XXXX i received a letter that they denied a INCREASE I NEVER ASKED FOR! this company is manipulating the credit market and should be penalized.
Product: Money transfer, virtual currency, or money service

I need cash app to send me all of my statements from the year XXXX and XXXX. I want the statements to show my remaining balance after each transaction On XXXX XXXX I sent a payment via cash app to XXXX XXXX. He declined the payment and Cash app claims to have refunded me my {$170.00} to my card ending In XXXX I have uploaded my bank statements from my card XXXX CASH APP HAS NEVER REFUNDED ME MY MONEY. 


I will contact the news media and escalate this. I suspect Cash app continually steals from people
Product: Payday loan, title loan, or personal loan

I had got a title loan from title bucks. Because if the COVID 19 pandemic I was late on payments but I since have paid XXXX on XX/XX/2020 and XXXX on XX/XX/2020. Which was what was agreed on by corporate and myself to get my where Im caught up. Now after I pay they said because I payed it on the app it didnt credit me for paying it the right way so they will set me up to call them next week and I dont think its fair that because there system didnt process my payment correctly that I should be subject to pay more when I cant afford it until 30 days. And they are telling me that I will need to sign a new contract and that way I will never get it paid off cause all I paid was XXXX towards interest which I didnt know that. I dont know what to do but I cant afford to pay on my car like this. Also they sent out a repo service and the man went in my vehicle and XXXX it and when I called the next morning to the title company and asked them who authorized someone to come repo my car and disable it. The manager is who I spoke to and she insisted for me to call the police because she didnt authorize any repo and I asked her did anyone in the office put my car out for repo and she said no that no one did and all of a sudden about 20 minutes later the repo guy shows up and tells me that title bucks did put a repo order out for my car but he was coming to fix my car cause I was unable to drive it and he tells me to pay my car note. So the manager lied to me and now I dont trust anything they tell me and Im worried Ill end up losing my car. Please help
Product: Money transfer, virtual currency, or money service

The incorrect amount of money was send and I could not get a refund.
Product: Credit reporting or other personal consumer reports

I recently signed up for Experian this year and I seen that there was accounts currently on my report I have no clue or idea how it was on my report. Ive been enlisted in the XXXX for XXXX  months as well so I just was able to start seeing what was credit and how to use it.
Product: Credit card

I had a credit card -TD  Aeroplan Signature Card , but  I closed it in  XXXX    XXXX   and never used this card since then. I wrote to the credit card company in  XXXX    XXXX   requesting closure of my account and called them also.   I have not received any communication from the credit card, until today-  XXXX   XXXX ,  XXXX  today i received a statement with an annual fee of  XXXX .  XXXX  charged to me.   I have called customer service of my credit card today, but they have refused to credit the annual fee back, despite the fact that I have never received information that an annual fee will be charged to me. i insisted that they close my account ( although i have closed it in  XXXX    XXXX   but they kept it open ) i think that the credit card is engaged in a scam to illegally keep the account open and collect annual fee.
Product: Debt collection

The Pacific Retrieval LLC sent me a notice in the mail stating that I own money to a towing yard on a vehicle I do not own. They stated that I did not file a XXXX  when I did and contacted the DMV to verify which they did. I sent the debt company my copy of the XXXX they saiid they would not except it and they would then be taking legal action and that I did not know the laws. My wife talked with they lady and she said that my wife was trying to pull a fast one on them and that they do not play games. The lady was extremely rude and when I asked to speak with someone else she just left me on hold. I then called the DMV again and they told me that the company was only trying to get the money and that the car is registered to someone else and to complain about the harassment.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My XXXX, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these inquiries. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiries : XXXX  - XX/XX/2023
Product: Credit reporting, credit repair services, or other personal consumer reports

After the massive Equifax data breach was announced in XXXX 2017, my family checked to see if our identities were compromised. My wife, my XXXX old daughter, and I were designated as " potentially compromised. '' My wife and I could sign up for their identity theft monitoring, but their online system would not allow a minor to sign up. When I called their special Security Breach 2017 hotline, the representative just kept repeating that Equifax " generally does n't '' have  information on minors. She could not explain why my daughter 's SSN would be in their system. She said that I would need to call Equifax directly, but she did not even have the number to call. 

Trying to contact Equifax directly has been futile. They have deliberately obfuscated any direct way of contacting them. So far, I can not even determine a simple question -- does the SSN associated with my baby have any credit history or other association with Equifax? According to one rep, the answer should be " no, '' but she can not confirm it. 

So far, the only way I think I may get any answers is sending copies of important, sensitive documents ( my and my daughter 's SS cards, birth certificates, etc ) directly to Equifax. Since they could not protect the data of 143 million people, I really do n't want to add my daughter 's information to their company if it does not already exist. 

These credit reporting companies take our personal information and sell it as a commodity. They will give MY information to some random credit card company who wants to send me an offer, but I have to jump through hoops just to find out if my daughter 's identity is even actually compromised. They are XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

86
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2016 I filed numerous disputes with chase auto finance, XXXX XXXX XXXX, and XXXX XXXX XXXX regarding an account that is very old. Not only is the information they are providing incorrect, ie status, history etc, but they are ONLY reporting negative information and none of the positive info. They failed to respond to one dispute within 30 days and did nothing, sending me a letter stating that they dont need to respond to every dispute or something to that effect, and all of the other disputes were verified as accurate which they are not. Even IF, and it is not, but even IF the information was accurate, they are ONLY reporting negative info which i believe to be a violation based on information provided by this website.
Product: Credit reporting or other personal consumer reports

I have XXXX  credit card since XXXX i never have late fees or payment till date. On th last year XX/XX/XXXX XXXX card company said you have late fees and and your auto deduct not enabled so its impacts late fee or missing. when i enabled the auto debit on again same issue reoccurred on XXXX XX/XX/XXXX and now my account outstanding 0 as usual so they are not reversing the missed one which is impacting my credit history.
Product: Mortgage

On XX/XX/XXXX, I contacted CFPB for assistance due to my mortgage company, Shellpoint Mortgage, refusing to remove lender placed insurance fees from my mortgage payment even after I provided proof of my own homeowners insurance policy in XXXX, XXXX. 

In my CFPB complaint, I requested that Shellpoint refund me the approximately {$600.00} more per month they have been charging me ( adding on to my mortgage payment ) for a lender placed policy for the past XXXX XXXX months. CFPB gave a complaint case number of XXXX. 
Today, XX/XX/XXXX, I received a letter from Shellpoint falsely alleging that I had recently inquired with them to find out who the owner of my mortgage loan is. 
I never inquired with Shellpoint about who the owner of my loan is as I have been under the impression all this time that Shellpoint / Newrez is the owner of my loan because they have held themselves out to be. 
In the Shellpoint letter I received today ( XX/XX/XXXX ), it states that XXXX XXXX XXXX is the owner of my home loan. 

I want Shellpoint / Newrez and Metropolitan Life to explain to me why I was never informed that XXXX XXXX XXXX owns my home loan. Please see the attached letter I received from Shellpoint today ( XX/XX/XXXX ). 

Shellpoint has never provided me with a refund for continuing to charge me the extra {$600.00} - {$700.00} per month for a lender placed policy I didnt need as they have had my homeowners insurance policy information since XXXX, XXXX. My mortgage payment should only be {$690.00} per month, not {$1300.00} + per month. Please give me guidance on what other Federal Agencies can assist me on this situation in which I am being abused and taken advantage of by Shellpoint Mortgage.
Product: Credit reporting or other personal consumer reports

XXXX has reported 5 of those federal student loans as being 90 and 120 days past due for XXXX and XXXX of 2018. There was ND ( no data ) for years and all of a sudden XXXX started reporting late payments to my credit file. How can I be 90 and 120 days past due when all prior months before 2018 has a check mark? My student loans are now with another servicer. XXXX XXXX has explicitly violated the FCRA with these inaccuracies and the processing department are not being truthful.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have two items on my credit reports from XXXXXXXX XXXX XXXX. The dates are XXXX XXXX and XXXX XXXX. These accounts arent mine and according the FDCPA this a violations of my rites.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am victim of equifax XXXX  XXXX XXXX  and XXXX  data breaches. Somehow my personal information has been compromised and someone is using my identity without my authorization and consent. I have disputed the VW Credit Inc {$0.00} and XXXX XXXX XXXX {$0.00} loans several times stating to bureaus the information is not mines and fraudulent. It was removed from my credit report with XXXX  and XXXX  do to FCRA SECTION 604B 605B AND 609B but still not from XXXX. This the 4 time im diputing this inaccurate information from my credit report. The items or loans reporting on my credit are not mines and done without my authorization and permission. At this point I demand removal blcok or deletion from my credit file immediatley.