23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I received from Bank of America, Alaskan Mileage Plan. Statement payment information a account number for Visa Signature. I contacted Bank of America today XX/XX/2022 this is the day that I received the statement through the mail credit line of {$10000.00}. I was told by Bank of America that also a MasterCard was opened up in my name for the dollar amount of {$10000.00}. No charges have been made on either cards.
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.

1. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX  Bankruptcy Case Number : XXXX Delete this account. 

2. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete this account. 

3. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete this account. 

4. there is some inaccurate information reporting. 
XXXX  XXXX Account Number : XXXX Delete this account. 

5. there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Delete this account. 

6. there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Delete this account. 

7. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX XXXX XXXX Account Number : XXXX Delete this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to file a complaint with CFPB regarding the failure to provide proof of investigation in response to my dispute. I submitted a dispute to your company regarding XXXX with account number XXXX, XXXX XXXX XXXX with account number XXXX, and XXXX XXXX with account number XXXX. I request that you reinvestigate the information and provide me with proof of reinvestigation as required by the FCRA Act.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX of this year ( 2023 ), I deposited {$760.00} into my Robinhood brokerage account and purchased bitcoin amounting to the brokerage total. Then, I attempted to transfer this crypto to a different wallet as Robinhood had lower fees than XXXX and Binance.US has switched to 100 % crypto and doesn't allow USD deposits. The original transfer didn't go through " for my safety '', so I contacted their XXXX phone support and after XXXX hours was told that my account simply needed for me to upload certain documents to verify the legitimacy of my account. I sent in SSN, my newest bank statement and a picture of my driver license. I then went to try to transfer the funds from crypto to my brokerage, and then attempted to transfer these back to my bank account. I found my account had been restricted until the documents were verified, a process the customer service rep had told me would take exactly XXXX days to complete. With this account restriction, I can not transfer my originally deposited funds back into my bank account, and it has been more than 10 days with no response. With a restricted account, I am unable to contact the XXXX phone support and have been forced to email but have received no response. At the moment the {$760.00} is sitting locked in Robinhood, and with no response from the company feels as if it has just been stolen and I am not sure what to do.
Product: Credit reporting

My husband and I both had our PI information stolen and subsequent credit cards where opened in our names. We have tried for over a year now to clear our good name to no avail. i have followed every proper protocol revolving CFPB, FTC ID theft complaints in the hopes of having the XXXX CRAs block the fraudulent accounts. Instead of assisting they actually revictimize and make it much harder. My credit is in shambles and I am unable to refinance my home!
Product: Credit reporting or other personal consumer reports

The charge off on my account needs to be removed immediately because it VIOLATES MY CONSUMER RIGHTS this information is inaccurate and incorrect XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX reported it was closed XX/XX/XXXX TRANSUNION reported it was closed XX/XX/XXXX This charge off needs to be removed immediately
Product: Checking or savings account

Hello, I received a debit card in the mail on XX/XX/XXXX from Wells Fargo Bank for a checking account that I did not open. Wells Fargo had all my personal information including my social security number. An online banking account was also set up. I contacted Wells Fargo and they have opened an investigation in their fraud department. My mother received the same thing in the mail today, XX/XX/XXXX. 

Wells Fargo has been fined heavily for opening accounts without the consumers consent and new allegations were reported in XXXX. It seems they are up to their same old tricks again.
Product: Student loan

I submitted a payment on XX/XX/XXXX for my regular bill of {$98.00}. This is prior to becoming a 15 day late notice. I was not notified that my account or payment was sent back whatsoever by mail. 

Submitted a payment on XX/XX/XXXX to pay full amount of XXXX for the previous month and the current month, as I did not know, again, I was in arrears due to the non-notification by Heartland ECSI. 

Did not received 15 day late notice via mail as per FCRA states I should have. I am not enrolled for electronic billing. I have specifically requested mailed, paper billing for my records. 

Again made payment on XX/XX/XXXX for additional month. Was informed payment was processed and received. 

Was reported to Credit Bureau for a 30 day late payment, when no such late payment occured, nor was I ever informed, via written letter in the mail, of being delinquent whatsoever. 

Have several emails confirming my electronic payments were received! This is crazy! 

FCRA was violated by not sending 15 day, nor 30 day late notices via certified mail to my address.
Product: Vehicle loan or lease

My account with Nissan Finance began on XX/XX/year> since that time, I have enjoyed excellent customer service and benefits and have been happy with Nissan Financial. I have also been a customer in good standing, paying my account in a timely manner and making sure I would adjust my payments according to make sure all of my items were paid in a timely manner.

However, when I got the account there were issues with my login which caused a delay in payments which made me send my payments by check which cause a delay with USPS in you receiving my payments. I still made it a priority to make sure you received monthly payments even though it was out of my hand in regards to the time you received payments once we fixed the login issue I was able to make my payments ontime 100 % of the time.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian and the other major consumer reporting agencies have been collecting, compiling and selling my personal information without my prior consent nor expressed permission. They have also been reporting adversary and or derogatory data on my consumer report. After many attempts to CORRECT these ERRORS I have not been able to and it has tremendously affected my ability to engage in the pursuit of happiness and obtain additional consumer credit and provide for my personal, family and household. They have violated my Consumer Rights and have since ignored all additional attempts to correct this matter. I demand that if the disputed alleged debt ( s ) are not UNDOUBTEDLY PROVEN, FULLY TRUE, ACCURATE, COMPLETE, TIMELY, of MY OWNERSHIP, OF MY RESPONSIBILITY, in accordance with each and every obligatory reporting regulation, mentioned here or not! COMPOSE PROOF in testimonial certificate is DEMANDED, anything less will compel me to determine your actions as HOSTILE and WILLFULLY IGNORANT to my consumer and civil rights and willfully derelict to proper reporting, a CLEAR VIOLATION of FEDERAL LAW of with I may indeed seek and be awarded punitive monetary benefits beyond the REQUISITE RESOLUTIONS that I am here and now DEMANDING! 

I am enacting my consumer rights to compel you here and now to absolutely and permanently remove any and all aspects of untrue, inaccurate, not complete, not timely, not proven mine, not proven my responsibility, and or not proven adequately and entirely compliant allegations of credit information.
Product: Credit reporting or other personal consumer reports

XXXX*Subject : Violation of Fair Credit Reporting Act ( FCRA ) Failure to Provide Debt Validation** Dear CFPB, I am writing to file a formal complaint against Sunrise Credit Service , regarding an entry on my credit report and their non-compliance with the Fair Credit Reporting Act ( FCRA ). 

**Details of the Complaint : ** 1. **Creditor/Collector Information : ** - **Name : ** XXXX XXXX XXXX - XXXX*Account Number : ** XXXX XXXX. **Nature of the Complaint : ** - **Date of Dispute Request : ** XX/XX/year> - **Issue : ** I do not have any recollection of doing business with Sunrise Credit Service XXXX Despite my request for debt validation, which I submitted on XX/XX/year>, they have failed to provide a proper debt validation or purchase order. 

XXXX. **Violation of FCRA : ** - XXXX XXXX XXXX has failed to comply with the FCRA requirements by not providing a valid debt validation in response to my request. As required under 15 U.S.C. 1692g of the FCRA, they are obligated to provide verification of the debt upon request. Their failure to do so constitutes a violation of my rights under the FCRA.

4. **Requested Action : ** - I am requesting the immediate removal of this entry from my credit report. This collection account is inaccurate and unverifiable, and its continued presence on my credit report is adversely affecting my creditworthiness. 

Please investigate this matter and take appropriate action to ensure XXXX XXXX XXXX complies with the FCRA. I would appreciate a prompt resolution to this issue and confirmation of the removal of this incorrect entry from my credit report. 

Thank you for your attention to this matter.
Product: Mortgage

I filed a previous submission # XXXX from cfpb, on XX/XX/XXXX. I am refiling my complaint, due to failure to release an outdated mortgage and several illegal foreclosures regarding an outdated loan on my home which I purchased back in XXXX, which XXXX XXXX XXXX was sued along with XXXX XXXX XXXX for illegal loan practices. My mortgage of XXXX was a part of a national law suit which contributed to a global recession. The investor allegedly is XXXX XXXX XXXX XXXX  XXXX, who does not hold an original note, nor doing business as my investor. They now calculate I owe XXXX, which is impossible to pay now, after 11 years of denying me. I have pursued each servicer for 11 years to obtain an affordable mortgage and they denied me. They deny me loan modification year after year me because they do n't have any rights to my property. They continued to perform several illegal foreclosures to take my home and each time they cancel at the very end. The last servicer, XXXX XXXX XXXX managed to get a judgement, only because I got sick and could not make it to court. I hired a lawyer by the name of XXXX XXXX and they did nothing to help me, just took my money. My argument is that I am requesting this mortgage to be extinquished and destroyed because this loan was part of a class action lawsuit because of illegal loan practices done back in XXXX and there is no proof of an original note. The last time I spoke to XXXX, stated they only have a copy of the original note, they then transferred this mortgage to Shellpoint loss mitigation department. I feel they may create one next time, because they told me they did not have an original note. This process has been going on since XXXX and it is now XXXX and this loan keeps transferring to different servicer 's who hire these attorneys to take innocent peoples homes, never doing their homework on the property. they just want to take the home and sell it an pocket the money. The statutory right of redemption is 7 years in a home, I 've lived in mine 11 years. Even if I had paid their rediculous fees, they could never give me a release because their is not an original note. This mortgage should have been destroyed or forgiven. I have possession of the original stamped deed. I pray that some justice is served, being that this is the 4th time a servicer comes after my family home, its been 11 years, I 've lived in this home. This is my family 's home, not just any house. PS : last sale date was XX/XX/XXXX, new sale date XX/XX/XXXX. The bank cancelled the sell date for some reason, which they told me they could not discuss with me ; another illegal attempt to take my property. I am the only owner of this property located at : XXXX XXXX in XXXX. Please help me get my release of Mortgage or Mortgage forgiveness because its been 11 years and these foreclosures are illega. My name is : XXXX XXXX, located at : XXXX XXXX, XXXX XXXX, contact XXXX. XXXX Involved parties : The XXXX XXXX XXXX XXXX XXXX, plantiff attorney for the plantiff is : XXXX XXXX XXXX, now XXXX XXXX XXXX XXXX XXXX, XXXX, Il XXXX Shellpoint Mortgage Servicing XXXX XXXX loan number :XXXX XXXX XXXX XXXX Michigan XXXX
Product: Student loan

On XX/XX/XXXX I submitted a refund request with Edfinacial Services for all the loan payments I made between and including XX/XX/XXXX - XX/XX/XXXX. The total refund would amount to {$5400.00}. 

Upon submitting the request I was informed that there would be no confirmation of this request sent to me. I was told the only way to find out information about the status of my request would be to to call their customer service line. This is my first complaint as I find that very unprofessional when dealing with one of the largest loan providers in the country. 

On XX/XX/XXXX I called to check on the status of my request ( XXXX business days later ). Not only was I told that there was no change in the status of my request I was also informed that the processing time could be up to XXXX business days ( over 5 months ). 

On XX/XX/XXXX I called again ( XXXX business days later ). There had again been no change to the status of my request and I was then told that the provider would no longer be providing a timeline for the processing time of refund requests. When I asked if I could speak with someone more informed about the process I was told that was not possible. 

Both of these replies to the status of my request are unacceptable. I understand that loan service providers are dealing with an increased amount of loan refund request but, to say I will not receive my refund for 5 months and then not give any timeline is something that needs to be addressed.
Product: Checking or savings account

Latest occurrence today XX/XX/2019 ; ongoing since on or about XX/XX/2019. I filed a complaint for excessive fees and for Chase Bank illegally applying NSF fees to scheduled in-house account transfers from one Chase account to another Chase account. I've had this account for 40 years. I've never had a problem with it until now. I originally had XXXX  XXXX, which was bought out by Chase a number of years ago. Since Chase merged with XXXX XXXX, Chase 's banking policies have changed drastically in their treatment of scheduled transfers from one Chase account to another Chase account which is under the same Social Security number. When funds were not available for the transfer the transfer would be cancelled and remain on schedule. A notice would be sent. No fee, no problem. Now they are paying the in-house transfer instead of cancelling it, so they can assess a NSF fee for each transfer. My husband died in XX/XX/2019 and since I brought his death notice to the branch Chase has been reeking havoc on all of my accounts, which now include the accounts of my adult children, whom I am either a trustee or a joint holder. Chase is  taking money out of every account with my name on it to cover thousands of dollars of NSF fees that should have never been assessed. To investigate my original complaint they gave me XXXX XXXX in the Chase executive office. Her number is XXXX, extension XXXX. She said she was handling investigating the case, but instead she gave authorization to Chase collections to take money from all of the accounts with me included as an account holder, including joint accounts with my adult children, who have been bankrupted by the collections processes underway. 

When I talked to XXXX XXXX she refused to pull up my account or to call the collections department to cease and desist collections on my children 's accounts. We have no money and XXXX XXXX is a complete fraud, she has no intention of doing anything to assist in this situation. All she did was thank me for calling, refusing to take any action whatsoever and provided no advice on who else to call in regards to the matter, leaving me and the bankrupting of my accounts in limbo. 

XXXX XXXX is the branch VP I recently contacted for help who did not respond.
Product: Debt collection

Collection Company Name : Stephens Michaels & Assoc. 

Representative did not give her name until I asked, rep. never notified me call was attempt to collect debt, rep. never told me call was being recorded, rep. also claimed that there was supposed to be a pre-recorded message verifying all of those things before our call was connected ( implying auto-dialer ) but recording never happened.
Product: Credit card

I use the Apple Card ( through Goldman Sachs ). Within the last few months when I make a payment, usually larger than about {$100.00} toward my account, my payment debits from my checking account within a business day or two, however, it takes several days to credit my Apple Card and update the available credit. Sometimes it has taken 10 days or more which is unacceptable! I often have automatic payments coming through and this delay interferes with other payments ( limit not available ) which then leads to fees. Its tying up my funds for days and affecting my finances negatively. 

It would be one thing if there was a warning about this when making a payment but it seems inconsistent when it happens. Ive spoken to their support to ask about why this happens and when it happens and was told the funds are held at length at our discretion and could be held for 10 or more days and would not clarify or specific policy or table of events that would trigger this hold, specifically. 

As a consumer this is very frustrating and it costs me money and time. I have credit cards with several banks and have never run into this - normally my payment credits the account within 1-2 days ( or INSTANTLY with XXXX XXXX XXXX ). 

The hold and delay of posting of my Apple Card payment is unacceptable and should be investigated.
Product: Credit reporting, credit repair services, 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.

According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written permission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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 The credit bureaus have no respect for the laws.

Someone needs to hold them accountable for this 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  these accounts have violated my rights. 

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

I acquired my credit report and asked the credit bureaus to check and make sure everything was complete and accurate according to 15 USC 1681i.

I waited 30 days and I haven't received nothing. Here is my tracking number : XXXX. It has been over 30 days. 

And one more thing, they didn't even record the current status of the disputed information. 

Experian, XXXX, and XXXX are holding me back from getting a house. This is very frustrating because I am trying to buy a house for my family as an FHA program buyer but Experian isnt doing its job according to the law.

I've included a substantial amount of evidence, that is simply undeniable!

Please help correct these mistakes and wrongdoing & be of assistance for me getting my life back together Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I attempted to contact XXXX XXXX XXXX & XXXX XXXX multiple times since XX/XX/2018 and even sent a written correspondence requesting that they remove an inquiry that was reported on my Credit Report that I did not authorize. 

They informed me that they have no information on file for me. They told me they would have the inquiry removed and never removed it. 

I tried to reach out the all three credit bureaus ( Transunion, XXXX & XXXX ) and was told they will not remove any false or inaccurate inquiries and I would have to contact the " furnisher '' myself.