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 account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : 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. As a result, this account should be deleted.

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.

15 U.S.C 1681i ( 5 ) Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

15 U.S.C 1681 ( 2 ) Disclosure to consumer ( A ) In general Except as provided in subparagraph ( B ), a person may not procure a consumer report, or cause a consumer report to be procured, for employment purposes with respect to any consumer, unless ( i ) a clear and conspicuous disclosure has been made in writing to the consumer at any time before the report is procured or caused to be procured, in a document that consists solely of the disclosure, that a consumer report may be obtained for employment purposes ; and ( ii ) the consumer has authorized in writing ( which authorization may be made on the document referred to in clause ( i ) ) the procurement of the report by that person.
Product: Credit card or prepaid card

Subject : 4 unauthorized charges of {$190.00} each on my Chase cr card XXXX XXXX XXXX XXXX From XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX XXXX XXXX, XXXX XXXX Ph : XXXX XXXX XXXX Email : XXXX XXXX : Cmplaint # XXXX XXXX XXXX XXXX I have 4 unauthorized charges on my Chase credit card of {$190.00} each, i.e. {$780.00} total, merchant could have charge one {$780.00} charge, they did not do that. 

On XXXX i charged one time {$190.00} by puting card info. thro computer. 

On XXXX I called Bank to dispute those charges, those charges were removed at that time. 

later in XXXX charges were added back in my account. finally I had to pay all those unauthorized charges. 

Bank says since I provided credit card number, Merchants can charge even later days as many times as they like. 

Chase Bank Refused to remove those charges from account. 

On XXXX I did enter credit card number for one time of {$190.00} charge in response to email, that clearly stated that I will receive premium trader service, for one time of {$190.00} charge. 

HERE IS PART OF THAT EMAIL : " The retail price for our XXXX XXXX is {$1200.00} for just one year. 

But right now, as a valued XXXX 's subscriber, you'll pay just {$190.00}. 

And yes, when you join XXXXXXXX XXXX XXXXXXXX XXXX right now, I will remove the expiration date from your new subscription. 

No auto-bills. No renewal fees. No expiration date on your service. 

That's a lifetime of our trading service which has proven reliability. 

Why would you want to miss out on the next big wins? Not only that, but the next guaranteed wins? 

If at least 80 % of our trades in the next 12 months aren't winners, you can get your one-time subscription cost refunded. 

That means I'm offering you guaranteed performance PLUS a lifetime of hot premium trades at {$1100.00} less than the regular one-year price. " I I FAXED COPY OF XXXX XXXX EMAIL TO BANK ON XXXX, AND BANK STILL ALLOWED XXXX TO CHARGE MY ACCOUNT 4 TIMES OF {$190.00} EACH ON XXXX AND ON THAT DAY I NEVER ENTER THRO COMPUTER OR NEVER CALLED TO PROVIDE CARD #. 

I have called bank sevral times between XXXX to XXXX and I made 2 trips to bank branch. 

Second trip on XXXX I met XXXX XXXX at XXXX XXXX XXXX XXXX XXXX, XXXX Ga XXXX. Phone # XXXX XXXX XXXX / XXXX XXXX XXXX. He said all I can do send msg to Escallation team. Next day XXXX XXXX from escallation called me finally after two more calls he gave up and said I will not be able to help I called XXXX XXXX XXXXXXXX  talked to XXXX XXXX VP of the company, earleir in XXXX he had said we are big company & you do not have resources to fight. 

On XXXX, when I talked with him about 4 extra charges, he demanded another credit card, to charge more to make up {$1200.00}. 

I am including his email of XXXX ATTACHED DOCUMENTS : 1 Chase credit card statemnet XXXX to XXXX XXXX Chase credit card statemnet XXXX to XXXX XXXX Letter from Chase Bank to Update on XXXXispute 4. My Letter of Dispute and Email from XXXX XXXX XXXX faxed to Bank on XXXX XXXX. Email from XXXXXXXX XXXXt after my call to cmplaint about charges
Product: Mortgage

I am upset that my mortgage company ( fifth third bank ) did not pay my property taxes from my escrow account when they came due in XXXX. Their reason was that because I refinanced my mortgage, it froze all transactions on my account. I was charged a {$130.00} late fee from the county because the payment was not received by XXXX/XXXX/2016. It should not matter that I was refinancing because they had an obligation to pay the taxes from my escrow. There was almost {$2700.00} in there and my taxes were XXXX.. We had not closed on our refi at the time the taxes were due, so if we had decided not to refi and stay with fifth third, they would have to pay them anyway. Fifth third stated that they could disperse my taxes but it would change my payoff and my new lender would have to request another payoff which would have prolonged the process. To resolve this, my new lender included the taxes in my new mortgage and dispersed them to the county when the loan funded on XXXX/XXXX/2016. The county received my tax payment today XXXX/XXXX/2016 and they are now current. Its frustrating because even though {$1300.00} is a small amount, I am now paying interest on this amount over the next 30 years because my taxes were not paid on time.
Product: Credit reporting or other personal consumer reports

Dear Sir/Ma'am, Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within fifteen ( XXXX ) days of the completion of your reinvestigation. 

Additionally, please provide the name, address and telephone number of each person contacted regarding this alleged account. I am formally requesting a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. 

Any automated response or e-oscar verification is unacceptable and incomplete. I am requesting a reinvestigation AND your Method of Verification. 

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. 

I am maintaining a careful record of my communications with you for the purpose with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General\ 's office, should you continue in your noncompliance. I further remind you that, as in XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX you may be liable for your willful non-compliance.
Product: Credit reporting or other personal consumer reports

Comenity is telling XXXX that I have 3 accounts with them when I actually have XXXX. They are violating the law because they are reporting incorrect information on my credit report. I do not care if they no longer are the creditors or own the debt. They are the ones listed on my credit report not second round. They also have Victoria secret account listed on their twice with a different account number. How are you not breaking the law. My credit is tarnished and I am unable to get a housing loan being of your incompetence. I demand compensation and will be getting a lawyer involved.
Product: Payday loan, title loan, or personal loan

XX/XX/XXXX {$5000.00} I applied for the first loan in XX/XX/XXXX. I was denied because of a non-traditonal banking account. I have applied several times online since then and I have contacted them. 
Their online system will not allow for me to place an new application. It shows the old application - DENIED. It has been almost seven months and I am not allowed to apply for a new loan. 
They are not trying to correct it. I thought a person could apply for a loan at any time. It WILL NOT ALLOW ME TO PLACE AN APPLICATION ONLINE.
Product: Credit reporting or other personal consumer reports

Company or Organization : XXXXXXXX XXXX XXXX XXXX Account Number : XXXX This account is not mine and needs immediate removal. And I never lived at the address attached to this account either. Ive tried disputing 5 times and no response. It was involved in the data breach.
Product: Debt collection

I was informed of the judgements/debt while trying to purchase a home this year. I was not aware that these judgements existed. The debt is not on any of my credit reports. I was never served any documents on any of these judgements. The debt is dated for 2014, which is over XXXX XXXX XXXX.
Product: Mortgage

I HAVE HAD ISSUES WITH BMO 'S SERVICING COMPANY FOR OVER 5 YEARS, THIS IS MY 3RD COMPLAINT. 

INITIAL RENEWAL THRY SENT ALL MY PERSONAL INFORMATION TO A LANDSCAPING COMPANY WHICH SHOULD BE ON THE CFPBS RECORD. 

SECONDLY PAST TWO YEARS THEY KEEP ALLOCATING MY PAYMENTS INCORRECTLY, YEAR END, RECIVED NO YEAR END INTEREST STATEMENT. 
CALLED SERVICING COMPANY FOR BMO/ XXXX XXXX XXXX XXXX ON ; Y TO FIND OUT THEY HAVE BEEN AGAIN ALLOCATING MY INTEREST ONLY PAYMENTS WRONG. 
THEREFORE WHEN I WENT TO DO MY YEAR END TAXES, I HAD TO REACH OUT FOR CORRECTION WHICH IS STILL IN PROCESS. 

I BELIEVE THEY HAVE STRAYED FROM BEST WORK PRACTICE, CODE OF EHTICS AND THE TERMS AND REGULATORY STANDARDS OF MY AGREEMENT. 

I REALLY BELIEVE I AM ENTITLED OR SHOULD AT MINIMUM HAVE THIS LOAN FORGIVEN AND OR WITHDRAWN DUE TO 5 YEARS OF NEGLEGENCE, AND THE DISRUPTION WITHIN MY TAXATION RIGHTS, DEPT. OF TREASURY : LASTLT, I RECIVED NOTICE THEY WERE CHANGING SERVICER IN 2020 AND THEY NEVER DID, KEEP SAYING STILL IN PROCESS :
Product: Checking or savings account

Beginning on XX/XX/2022 Fraudulent activity began occurring in one of my checking accounts with Chase Bank. On XX/XX/XXXX XXXX issued a statement which was not received by me until XX/XX/2022. At that time I attempted to make a claim for this and although I waited on hold for more than 60 minutes, I could not wait any longer. I did not get back to this matter until I noticed through my online banking in early XXXX that more than XXXX was missing cumulatively from my account with fraud taking place through ACH withdrawals as recently as the day before I made the claim to Chase Bank. The claim was made with the assistance of as Chase Bank representative by phone and I was to wait for a form to be sent to me by Chase in the mail which I needed to sign and return. Two letters arrived. The first letter outlined the fraudulent activity that began on XX/XX/2022 and ended on XX/XX/XXXX where there were improper credits posted to my account. The second letter outlined the fraudulent activity that began on XX/XX/2022 and ended on XX/XX/2022 where money was taken from my account. Chase acted immediately on the credits and withdrew from my account. The money taken from me they are not returning due to some excuse about how quickly they got the form back. It is unbelievable to me that they control the speed at which the letter ( claim forms that they fill out ) are sent by mail which is the only way they will send. The day they were received I signed them and proactively took them to the local branch. They do not recognize this as returned but rather they count received only when it is recognized as returned to the claims department. I also have no control over this processing /relay time from the branch to the claims department. ; I have spoken to the claims supervisor and have been afforded no relief. Further Paperwork that I have received from Chase indicates other abnormalities and misrepresentations. One letter ( attached ) clearly shows that they took action on credits and removed money from my account for claims beginning on XX/XX/2022. Another letter states that {$5200.00} of my claim has been denied because of timing of when I reported the claim to Chase. When I spoke to the supervisor she was at a loss for what the meaning was and claimed it was denied for different reason altogether. I know that reading this one must think there must be something I am not saying or that I am leaving out. I assure you this is not the case. Everything stated herein represents the facts. To date out of more than {$20000.00} stolen from my account Chase has returned XXXX, representing just one instance of the fraud perpetrated against my account.
Product: Credit reporting or other personal consumer reports

On my credit report there is an address that I am not familiar with. There is a wrong address listed on my credit report and I want it deleted immediately. The incorrect address that is listed on my credit report is : XXXX XXXX XXXX XXXX, XXXX Florida XXXX
Product: Debt collection

I brought my son in for treatment this XXXX for XXXX. I thereafter got XXXX my insurance information ( which was to entirely cover the {$800.00} bill ) - this was to be fully covered as per XXXX 's conversation with my son 's insurer XXXX. XXXX told me it was all taken care of. They then did not take care of it and sent a debt collector after me - AR Resources. I was notified of a credit score drop yesterday - when I looked into it I saw a debt outstanding from this charge. MAJOR ISSUE is that AR Resources never contacted me - EVER! So I called today, and they refused to give me XXXX 's contact information. I WANT THIS FIXED as my credit score due to this has gone from 730 to 660! In addition, the woman I spoke to at AR was nasty, obnoxious and told me " the only way to handle this is to pay off the debt you owe '' - that 's when I asked for a manager and he said that she was wrong and would be reprimanded - I then gave him my son 's insurance information and they said they 'd call back with an update. What kind of corrupt nonsense is this?!?!
Product: Debt collection

I have reached out to the company and explained that I have no knowledge about two accounts. But I still offered to do a pay to delete just to have it off my credit and they denied my request
Product: Credit reporting or other personal consumer reports

It's my understanding that FCRA 605B necessitates the deletion of any faulty accounts from my credit history. Could you review the documents? Some of the accounts listed exhibit inaccuracies in reporting, amounts, and dates.
Product: Debt collection

I was sent a letter from a law firm, XXXX XXXX XXXX about an alleged account for {$440.00} that they acquired from another collection agency on XX/XX/XXXX. They offered a 5 % discount for paying them on or before XX/XX/2021. I noted many violations of the XXXX in this initial letter. I sent a letter in response and asked for validation as well as a cease and desist demand if unable to, on XX/XX/XXXX. The XXXX XXXX sent me a response to my letter, that is dated in the letterhead as XX/XX/2021, and again implied that the letter was from XXXX They also violated my privacy by sending me a statement that displays my alleged XXXX XXXX I have just sent off a XXXX letter, XX/XX/XXXX, pointing out there violations. I feel defamed, embarrassed, threatened and violated by these letters and their disregard for my consumer rights.
Product: Mortgage

Please review Summary of Facts exhibits A, B, C and D and new discovery on the XXXX XXXX Property Appraiser and Government agencies report. Sorry I written on the exhibits just to explain documents if you want exhibits without the writing of explanation I can send copies of exhibits without the writing on them.
Product: Credit reporting or other personal consumer reports

I am writing to express my serious concern regarding the inaccuracies on my credit report. Despite multiple requests for investigation, I have yet to receive a satisfactory resolution or corrective action. These disputed accounts are having a severe impact on my credit file and significantly affecting my daily life. 

The inaccuracies have caused immense hardship, and I am now compelled to request your immediate assistance in addressing this matter. Please conduct a thorough investigation into each of the disputed accounts and take prompt action to update and correct my credit report. 

Restoring the accuracy of my credit file is crucial for my financial well-being, and I urgently need your help to rectify this situation without further delay. Your swift action and cooperation in resolving this issue would be greatly appreciated. 

Thank you for your understanding and prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

I have no affiliation with this inquiry or the creditor mentioned. I ask that it be removed from my credit report as soon as possible. 
XXXX XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear XXXX XXXX XXXX, I am exercising my right under the Fair Credit Reporting Act, Section XXXX, to request information regarding an item that is listed on my consumer credit report : XXXX XXXX XXXX As per Section XXXX, I am entitled to see the source of the information, which is the original contract that contains my signature.
Product: Credit reporting, credit repair services, or other personal consumer reports

After review my Equifax report, I decided to write XXXX XXXX to get a debt validation. My original letter was sent to this organization on XX/XX/XXXX by  certified mail. I received a verification of receipt on XX/XX/XXXX ( see attachment ). However, I never received any response regarding my debt validation. The company never contacted Equifax and placed a notice of dispute on my account within 30 days of my dispute from their receipt on XX/XX/XXXX. This is in violation of the Fair Debt Collection Practice Act Section 807 ( 8 ) by not placing the disclosure within the required 30-day period. 

The listed trade line of XXXX XXXX is also in willful noncompliance as of FCRA 623 ( a ) ( 3 ) Responsibilities of furnishers of information to consumer reporting agencies as well. Since I have evidence of such violation per attached certified mail receipt, I request that this tradeline be removed from my credit report.
Product: Debt collection

After receiving an uncertified letter in the mail from Legal Recovery Law Offices , Inc. stating that they would be suing for an old debt on behalf of XXXX XXXX XXXX ; My employer received documents for a wage garnishment. I then made contact with Legal Recovery Law Offices Inc. to reach an agreement on a payment plan. They accepted and a " good faith '' payment was made that day ( XXXX XXXX, 2015 ) in the amount of {$240.00} via my debt card. Following this payment I was sent documents for the payment plan that was agreed to. It was a three year plan with payments of {$240.00} per month. I was to fill in the date for each automatic payment to be withdrawn from my account. They printed my entire debt card number and cvc number on this document. Once I filled in the dates and signed it, I sent it back to their address at XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, CA XXXX. A few months later I realized that a payment had not been taken out. At this point my wife called to verify what was going on as our entire bank account information was on this document. They claimed they never received it. Several times after this I tried to fax them the information and not once did the fax go through. Last week I made phone contact with them again to resolve the issue and was informed on recorded phone call that the fax number had been out of order for over a year. This is the number still listed on documents sent by the company. At this time they informed me that since payment had not ben received, they were taking action again via wage garnishment. Over the last week my wife and I have made every effort to find a solution with this company and have had no success.
Product: Credit reporting, credit repair services, or other personal consumer reports

I never gave Experian consent to report anything on my consumer report. They have no permissible purpose by law to contact third parties with my private or personal information. This offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. They have knowingly used My info without lawful authority, a means of identification of me, which is a felony punishable by Law. They also ignore my disputes as you can see in my prior CFPB reports. They always respond with a lame response of " I need to verify my info ''. This is nonsense, Ive sent my Drivers License, Utility Bill, and Social Security Card.
Product: Debt collection

I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. 
Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 
Please cease and desist from collecting on this debt until you have provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 
Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter.