23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I received a catalog from SEVENTH AVENUE in XX/XX/year>. I needed a small computer with headphones so that I could listen to music in my apartment without disturbing the neighbors regardless of the time. I attempted to purchase one that was to be engraved. However I had to call C/S because I applied for the offered credit line and it was not automatically approved. I spoke to the XXXX representative who told me about the computer that they have a lot of issues with them. So I advised her to please cancel the order. She then wanted to know if I still wanted the credit line... I said sure ... She indicated that she or someone from SEVENTH AVENUE would call if I was approved for credit and before anything is shipped out to me. The next thing I know is that I have a package from them ... I called and asked who authorized this to be shipped ... I thought that I cancelled the order and was to receive a call first. Anyway, I wasn't going to pay to ship it back plus insurance ... No No No I think she asked me to use it and told me that it would not work for long..it would just suddenly stop charging but I would receive a full refund. So, I used it ... checking email mostly not too many things... so I email and call and I have to send the computer back... I asked them about the personal and business information on the computer ... how would that be handled ... they would be responsible for any problems or issues that resulted in theft or break ins to my accounts utilized on the computer during shipping and beyond if my information was not erased completely. Privacy Concerns. Finally they decided to apply a credit to the account original charge {$140.00} on XX/XX/year> ... credit was applied on XX/XX/year>... I received a phone call stating that the charge would be reapplied to my account because the computer was never received on XX/XX/year> charge was reapplied... I didn't authorize either charge. SEVENTH AVENUE knows about the problems with these computers... and just wants to SCAM potential buyers
Product: Credit reporting or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXance : {$6900.00}
Product: Mortgage

I have a adjustable rate mortagage orginated by XXXX financal purchased by XXXX XXXX XXXX and serviced by slect portfolio servicing my orginal mortagage payment was {$940.00} a month was raised to {$1100.00}. I had to go through a bankruptcy during the bankruptcy trustree made over {$27000.00} worth of payments on the mortage I have been unable to find out how and where they we applied. I have recived XXXX small settelment payments from the suit the goverment brought forth aginst XXXX XXXX XXXX. It was my understanding that as part of the settlement they hade to offer me a loan modification at market rate.XX/XX/XXXX I entered into a loan modification agreement. Made my XXXX payments totaling {$4100.00} I was sent a modification agreement of {$1300.00} per month at an 8.78 % interest rate when market rates were 2.75-3.25 % I told them this was unacceptable. I told them I would only accept an at market rate as there settlement provided for. I was promised by there repesentive they would work this out. I was asked by slect portfolio servicing to resubmit the modifaction paper work XXXX times which I did then they would switch my loan servicer which the did no less than 16 times from the time I filed the orginal modifaction agreement to the Present Date XX/XX/XXXX. All the while they would say they were missing paper work or it was expired or I would have to start over with a new servicer It got so bad I got my attorney involved and he submitted my paper work no less than XXXX times he always got the same answer as I did something was missing or we got a new servicer.Seeing how I would not go away they tried a new approch they failed to pay my property taxes for 3 years XX/XX/XXXX-XX/XX/XXXX even though they charged escrow for the amounts my home went threw a tax forclosure sale XX/XX/XXXX and I had until XX/XX/XXXX to pay the redemption amount. I notifed select portfolio servicing of this fact the said they were aware of it and would see what they would do. Fearing I would lose my home I paid The redemption amount to save the house on XXXX. They did not pay the taxes and my next communaction XX/XX/XXXX I got was from XXXX and XXXX that they would be foreclosing on my home. I disputed there claim. I have not heard from them seince. These people have done nothing but harass me and tried to use fraudlent means to take away my home. The Federal Goverment has punshed XXXX XXXX XXXX and Slect Portfolio Servicing for this very thing.
Product: Money transfer, virtual currency, or money service

On XX/XX/year> I made a test transfer of XXXX each XXXX shares from Robinhood to crypto wallet. Immediately after a successful transfer Robinhood restricted my account. I reached out to the customer service team via email and phone and received automated messages but no direct information. The notice on my account stated your account is under review, we will provide more information before XX/XX/year> on XX/XX/XXXX the date changed to the XXXX, then the XXXX, XXXX, XXXX and now the XXXX. Each day they push it an additional day. When trying to reach out to customer service the call number is not an option anymore and when it is, Im on hold for 6 hours with no avail. I have emailed several time and get the same response back. I sold all my shares and took a loss. I just want my money out of Robinhood but cant transfer out until the restrictions is released
Product: Credit card or prepaid card

In XXXX I had a Discover credit card which went into collections and was ultimately closed in that same year. Discover confirmed with me that the account was in fact closed in early XXXX. In any event years after any kind of statute of limitations has run, in XXXX they filed a 1099 C Cancellation of Debt with the IRS. I never received a copy nor was I aware of this tax form when I filed my taxes in XXXX. In XXXX I was insolvent due to economical hardships and filed as such with the IRS on other debt that had been canceled that year. 10 years later -- XX/XX/XXXX the IRS has notified me of an issue with my XXXX tax return because Discover filed a 1099C without my knowledge. I have contacted Discover who says they are allowed to file a Cancellation of Debt this far out. That can not be correct, isn't a debt canceled when the company ceased collecting and the payor stopped paying? I requested that they issue a corrected 1099C form but was told the issue would go into their consumer fraud division.
Product: Credit reporting, credit repair services, or other personal consumer reports

I just received a copy of my credit report and to my surprise, I noticed that my right to privacy has been violated. By no means have I given you any permission to report non-public personal information without written consent. Nor have I provided any financial institution, or third party ( collection agencies ) authority to obtain any information.

In regards to 15 U.S. Code 6802 Obligations with respect to disclosures of personal information ( c ) Limits on reuse of information Except as otherwise provided in this subchapter, a nonaffiliated third party that receives from a financial institution nonpublic personal information under this section shall not, directly or through an affiliate of such receiving the third party, disclose such information to any other person that is a nonaffiliated third party of both the financial institution and such receiving the third party, unless such disclosure would be lawful if made directly to such other person by the financial institution. 
I do not consent to any third party obtaining non-personal information without my knowledge or notice. The Fair Credit Reporting Act ( FCRA ) was enacted to protect the confidential information on consumers ' credit reports from misuse, fraud, and theft. It gives consumers the right to ensure that the information on their credit reports is not only correct but private. 
Also in accordance with 15 U.S. Code 1681a Definitions ; rules of construction, ( 2 ) ( C ) any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under section 1681m of this title.

Due to the breach of my privacy, I am requesting the following items be Deleted Immediately. 
XXXX. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX, LA XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, LA XXXX
Product: Checking or savings account

Bank of America sent out an offer for {$150.00} bonus for opening a free checking account, which I did. The only requirements were direct deposits for three months, which I did. The first month 's {$25.00} service fee was refunded automatically a week or so after it was assessed. I was waiting for the second month 's fee to be refunded and then the third month it was charged again. I called to have the charges reversed but was told my account required a {$10000.00} average limit to avoid maintenance fees. The original promotion was deceptive, as I did everything that was required to get a free checking account and a {$150.00} bonus. BoA should not be able to get away with that kind of thing, they are supposed to be a large, reputable bank.
Product: Money transfer, virtual currency, or money service

Filed a wire fraud claim with Bank of America on XX/XX/XXXX to recall {$12000.00} sent to XXXX XXXX on the same day under their case no. XXXX. They closed the case without letting us know but charged us an investigation fee. Refiled another claim on XX/XX/XXXX under case no. XXXX. Each time we called, they just said that the back office was working on it. Requested to talk to an investigator without success. Until the last call on XX/XX/XXXX, we found out that the case was officially closed due to 'non-responsiveness from XXXX XXXX '. The representative who took the call told us that, according to the comments/notes on the case, BOA already sent us an email on XX/XX/XXXX about the closure of the case which we never received. He also asked if we got a copy of the " HoldHarmless '' letter or email that BOA sent to XXXX XXXX. To our unpleasant surprise, BOA seemed to have done something but never communicated with us. From what we understand, XXXX XXXX  did respond to BOA in XX/XX/XXXX. We don't know who is telling the truth. BOA may simply update case notes that they never act on. We feel like that we are being victimized the second time. Being their loyal customer for over 40 years, we are very disappointed and frustrated by how they handled our claim!
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your taking the time to REMOVE some of the unverified inquiries in my credit file ; however, there are still many inquiries that need to be DELETED. The credit bureaus must verify these inquiries under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed inquiries be DELETED immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

I am writing to formally request the immediate removal of a collection account from my credit report under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i I have reviewed my credit report, and I have found an entry for a collection account, identified as follows : Creditor/Collection Agency Name : LVNV Funding LLC Date Reported : XXXX XXXX Balance : {$1300.00} Date Reported : XXXX XXXX Balance : {$490.00} Date Reported : XXXX XXXX Balance : {$610.00} I believe this information is inaccurate, incomplete, and in violation of the FCRA for the following reasons : 1. These accounts are reflected on my credit report as open and this is an FCRA violation according to 15 USC 1692g. These need to be deleted immediately.

2. These accounts do not belong to me!

According to the FCRA section 605 B, it is illegal to report anything on my credit report without my permission. Please remove this negative item immediately. I will seek litigation for this violation if not removed from all three credit bureaus. Under the FCRA, you are required to investigate and ensure that all information reported on consumer credit reports is accurate and up-to-date. As this collection account is inaccurate and no longer valid, I am requesting that it be immediately removed from my credit report.

Please confirm in writing that the collection account has been deleted from my credit report or provide a detailed explanation of why it remains. If this account is not removed within the statutory timeframe of 30 days as required by the FCRA, I will take further action, considering other legal remedies available to me.

Thank you for your prompt attention to this matter. I look forward to your immediate action.
Product: Debt collection

XXXX XXXX called and left a voicemail message on my cell phone XX/XX/19 threatening to come to my job with legal documents, it was a very threatening message, the woman stated that I should " clear my calendar, I would be seeing her soon '' this is a very old card, it is time barred from any legal action. The callback number for the company is XXXX. I attached a WAV recording of the VM message I received.
Product: Credit reporting

I had contacted eqyifax to remove an item placed twice. XXXX XXXX had purchesed account from XXXX and the amount XXXX states is incorrect XXXX and it should be XXXX
Product: Credit reporting or other personal consumer reports

On the above dates someone ran my credit without my permission or knowledge XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act 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 Equifax, XXXX and XXXX  did not provide proof or verify that these accounts are mine.  I sent in letters 60 days ago asking that Equifax, XXXX and XXXX verify the accounts with my signature on them and they failed to do so. 

Below the uploaded documents also shows that the payment history are not the same faulting in inaccuracies on my credit report for all three of credit bureaus Equifax, XXXX and XXXX. Therefore I ask that the accounts are removed.
Product: Mortgage

On XX/XX/2019 when we signed and notarized our closing documents, they had defined commission pay outs of {$9000.00} to RE/MAX professionals and {$12000.00} to XXXX XXXX. On XX/XX/2019 at XXXX I received final closing documents via email, which reflected a commissions change from the closing documents that I signed. The changes reflected {$11000.00} to RE/MAX professionals and {$13000.00} to XXXX XXXX. Changes were made to the commissions without my knowledge, signature, or any type of disclosure. The title company manager stated that she informed my realtor that all documents had been signed and notarized. However, changes were made to the documents regardless. To date, RE/MAX has stated that this was just a " lack of communication ''. I feel that I've been misrepresented by RE/MAX professionals and my realtor did not protect, disclose, or represent me properly throughout this process. To date, RE/MAX professionals has not admitted that they approved these changes without my consent or knowledge.
Product: Checking or savings account

On XXXX I deposited a XXXX XXXX XXXX tax refund check for {$3300.00} via remote deposit capture through the Capital One consumer app. I was notified that there would be a hold on the deposit until XX/XX/12. I called the bank to inform them that the check is issued by a State Government entity and they requested I call back the following day to discuss the hold. Capital One indicated that there were no issues in my account. I have a regular history of significant bi-weekly deposits for payroll into this account and I had {$10000.00} held in savings account with the Bank on deposit so they also had recourse in the event that the XXXX XXXX XXXX did not have funds to clear the check. I called back and the bank refused to lift the hold. Because the check is a government check submitted electronically, I argued that it is subject to Check 21 and Reg CC and funds should have been made available the follow day according to regulations. The bank refused. ( I will not be holding any funds in savings deposit at this institution going forward because they do not follow regulatory requirements ).
Product: Money transfer, virtual currency, or money service

I was the victim of fraudulent activity from someone posing to be a company and led me to pay for a service that I never received. I paid a total of {$4000.00} via XXXX. I called chase to open a claim and they told me they can not help me and closed the claim. I also called XXXX and they said I have to call chase. They did not help me and these people are still out there scamming other people because nothing had been done at all. The recipients have disappeared XXXX payments were made to a XXXX XXXX On XX/XX/2022 for {$2000.00} XX/XX/2022 for {$500.00} XX/XX/2022 for {$500.00} XX/XX/2022 for {$500.00} XXXX XXXX for {$500.00}
Product: Mortgage

SunTrust Mortgage , Inc is refusing to endorse and release funds from a insurance claim to me in order to have the repairs completed on my home. There is not heat or A/C in my home and the risk of damage increases each day they delay this process
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please update these items. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Checking or savings account

On XX/XX/2018, I went to JP Morgan Chase to deposit {$6000.00} via ATM machine. However, the machine got jammed and never returned the money back to me. I immediately spoke to the Chase staffs in the branch and the branch manager helped me to get {$6000.00} temporary credit. On XX/XX/2018, I received the mail from Chase Customer Claims Department saying that this {$6000.00} temporary credit will be reversed on or after XX/XX/2018. I called the Customer Claims Department and spoke to a customer service to resolve this issue. I was told that Chase has contacted the ATM vendor and found no {$6000.00} balance in the machine. I disagreed with the customer service since there was a camera recording all my actions in front of the machine, including my depositing. If the camera shows that the money, no matter how much, was swallowed by the machine, then there must be money somewhere. After filing the second complaint, Chase decided to give me {$2000.00} as a credit to maintain the customer relationship. However, this is not the solution I would like to see since I did nothing wrong and I am entitled to that {$6000.00}, not only {$2000.00} credit. That is why I am writing you this complaint to get my remaining {$4000.00} back.
Product: Vehicle loan or lease

My account reflects two late payments. The issue was unresolved because my account was in defermants, and I was never more than 30 days late on payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the XXXX and TransUnion credit bureaus XX/XX/XXXX, but no answer was received. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide with the law in order for this matter to be resolved promptly. XXXX/DOFED XXXX Date Opened : XX/XX/XXXX Balance : {$7800.00} and XXXX/DOFED XXXX Date Opened : XX/XX/XXXX Balance : {$14000.00}.
Product: Checking or savings account

I have had a Chime account since XXXX and have used it frequently for day to day transactions and receiving deposits from my job. I had no issues with them until XX/XX/XXXX when I was banned with {$660.00} in my account and several transactions linked to the account. I had made a normal cash deposit of {$390.00} at XX/XX/XXXX the day prior as I have always done so nothing was out of the ordinary. I was told I was banned for violating their Deposit Agreement and was ineligible to receive a refund for the money I worked hard for. They refused to pinpoint and inform me what I had done wrong and were now refusing me the opportunity to provide paystubs, documents or anything needed to verify my identity and retrieve my money. I had no issue losing the account as long as I got my money but they adamantly refused to give me my money even after multiple long phone calls.
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

The List of accounts/inquiries below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

UNAUTHORIZED INQUIRIES, PLEASE DELETE : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX According to 15 USC 1681i ( XXXX ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( XXXX ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681sXXXX 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this