23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have check my credit reports and I saw all these inquiries, they don't belong to me. 


XXXX XXXX XXXX XXXX XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX  XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX  XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX  XXXX XXXX  XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal XXXX XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX  XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX
Product: Money transfer, virtual currency, or money service

I was defrauded by unknown persons operating through the unlicensed financial brokerage platform XXXX XXXX XXXX, which solicited me to invest a substantial amount of money. All payments were made in way of crypto-transactions to wallets nominated as beneficiary wallets by the representatives of the unlicensed financial broker. Some transfers were made through my wallet hosted by www.crypto.com. I consider the beneficiary wallets to be an integral part of the fraudulent scheme behind XXXX and XXXX. Based upon the understanding that www.crypto.com is acting compliant and will provide the due care towards its own wallet-holders, my legal representatives from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX relevant request for provision of information to Crypto.com. Unfortunately, as of the date of this complaint, www.crypto.com has provided neither me nor my legal representatives with the requested information. By ignoring my request, www.crypto.com failed to provide the required information about the XXXX  hosting the beneficiary wallets, where I have made a series of transactions to, respectively information that the beneficiary wallets were not hosted by a XXXX. By so doing, www.crypto.com does not refer to specific legal grounds, which justify their decision not to provide the required information. In my opinion, the lack of response from www.crypto.com represents a clear example of the mistreatment of my consumer rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

Was on a military contract ( training ) under which outside the military facility communication was highly limited, was not allowed to make phone calls or use internet while we were training. 
The individual in charge of my accounts failed to make any payments on my credit card leading to default payment for the month of XX/XX/XXXX-XX/XX/XXXX, which meant i was over 30 days late for the payments. 
As a result, my credit company sent my payments to the collection bureau which led also affecting my credit which i was trying to build. 
I did explain this to the my credit card company but they said i had to dispute this with one of the credit score companies ( experian was suggested ) As of today, i have been making payments on my card but i can no longer use it since the credit company locked it
Product: Credit reporting or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT ACCOUNT # 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
Product: Credit reporting or other personal consumer reports

15 USC 1681 ( I ) and 15 USC 1611 according to the law they have violated my civil rights I have asked them to provide Original Documents with my signature that these accounts are mine. I asked them to correct Public Information and correct addresses. I never lived anywhere else
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified account listed below continues to report on my credit report in violation of federal law. I sent a letter to the credit bureaus but I never received a response from them. This account must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate this account, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

I recieved a credit report from XXXX on XX/XX/XXXX by mail. XXXX deleted XXXX. XXXX did not delete XXXX from my credit report. Portfolio recovery company sent XXXX a request to remove or delete XXXX and XXXX from my credit report on XX/XX/XXXX. I'm waiting for XXXX to delete or remove XXXX from my credit report. XXXX was paid in full before Chargeoff, before sent to Portfolio recovery company.
Product: Checking or savings account

I have been trying for months to get paypal to verify my XXXX account. All I keep seeing is that it will happen in 3 business days but then it says I need to resubmit my info. I do this and still nothing happens. I need someone with a quarter of a brain to help me because they have XXXX customer service options and just ignore you as long as they get their money.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Original creditor violated the law 15 U.S. Code 1692c. XXXX XXXX sold my personal information to Cedars Business Services. I submitted a complaint to through the cfpb stating I never received notice in order to dispute. The XXXX party collection company responded the original creditor place a collection with them XX/XX/XXXX, in which they mailed me a notice XX/XX/XXXX. I complained I never received the notice and asked where did they receive the address to mail me notice because I believe it was wrong but havent seen a reply. I contacted the original creditor XXXX XXXX, via email, asking if they sold my private information to cedar business service in which they admitted to placing my account with Cedars on XX/XX/XXXX. The dates between the XXXX companies do not match! 
Attached is the emails between myself and XXXX XXXX from XX/XX/XXXX as well as screenshots of the response from my previous complaint. 
Additionally, XXXX XXXX shared personal information with me on XX/XX/XXXX without verifying my identity, I asked for account information and it was delivered without question.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted all three Credit Bureaus/Agencies ( XXXX, Equifax, XXXX  XXXX  and the Creditor ( XXXX  XXXX XXXX XXXX XXXX involved in this matter several times trying to resolve this issue. Notifying them that they were not in compliance with their incorrect report per FCRA and that the accounts were fraudulent and that I'm a victim of identity theft. In return to tell me that these fraudulent accounts were verified and/or belonged to me or no response at all. None of these companies have provide me with any proof such as any original documents bearing my original signature. Either way, the reporting requirements do not comply with FCRA Section 611 ( 15 U.S.C. Section 1681 ) and the information must be deleted immediately.
Product: Checking or savings account

All of a sudden I don't have access to my Chime Bank account online or using the app, but my account is still active when I call the card. 
I truly do believe that this bank is a scam. 
I couldn't remember my last transaction for them to verify my account.Every time that you click on 'Forgot Password ' I type in my birthday and last four digits of my social security number and a message in red states the I information that I've entered doesn't match our records? Oh really when I own the account and I never had a problem with my account. 
This happened with no alert no nothing
Product: Credit card or prepaid card

Received an email on XXXX XXXX, XXXX stating I spent {$15000.00} on my wyndham rewards earner card and earned XXXX Bonus Points amd they would be reflected on my XX/XX/XXXX billing statement. I did not receive those points on my statement nor at my Wyndham Rewards account. I contacted Barclay and the agent told me to wait 1 billing cycle and it would show up on my XXXX Statement. I just received my statement and they are not on there. I called XX/XX/XXXX and the agent said I received the email stating I earned the points, but won't be given them until XX/XX/XXXX. I haven't even received anything on my statements as previously promised, so im taking everything Barclay said as a lie.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to verify the following accounts but after sending in a letter of dispute, they still failed to verify the said accounts. 

In accordance with the Fair Credit Reporting act, XXXX Account number : XXXX XXXX XXXX Account number : XXXX XXXX Account number : XXXX XXXX XXXX Account number : XXXXXXXX XXXX Account number : XXXX XXXX Account number : XXXX XXXX XXXX  XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX ) Account number : XXXX, has violated my rights .

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

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit card or prepaid card

I have a Suntrust credit card. Suntrust merged with BBT and when they did they merged they changed my payment information. I have been paying the same way with my XXXX XXXX  account for around 5 years. When I went to make a payment on XX/XX/21 I noticed that when I selected my XXXX XXXX  account it had someone else 's name on it, but with my routing and account number. The even stranger thing is that it is my bosses name. Somehow they associated me with my boss. I have been calling them for 2 days. I am bounced from one department to the next. Customer service says its the digital banking department and the digital banking department says its customer service who handles this. I think this is pretty scary that they are merging peoples financial information. I tried to edit the information online but that is not allowed. I tried adding it again but it wont let me because it is the same banking info. I couldn't find any way to delete and re-enter the info either. So right now I can't make a payment on my account and it is very unsettling that they are this careless with financial information.
Product: Credit reporting, credit repair services, or other personal consumer reports

My Equifax credit report reflects    XXXX    different  XXXX  accounts with  XXXX  different balances. I have repeatedly requested a copy of any signed agreement between myself and   XXXX   XXXX    Neither Equifax or   XXXX   are able to produce any such agreement establishing the accoun t. Even though no contract or agreement exists, Equifax refuses to remove the fraudulent information from my account. My application to refinance my home has repeatedly been denied due to this fraudulent information. as a result, the home has been foreclosed on. I have lost my home due to Equifax and   XXXX    XXXX   fraudulent information.
Product: Checking or savings account

I got a debit card from Chime today. Before this I got emails and I opted to unsubscribe. It appears they opened an account up for me without my permission.
Product: Mortgage

It was in XXXX of XXXX XXXX XXXX XXXX sold my Line of Credit to Specialized Loan Servicing. 
At first it seemed ok but, when I tried to create an online account to make payments they also, told me ( and laughed at me ) my loan is in bankruptcy and I didnt know what I was talking about. So, I mailed them and their attorney copies of the plan. Then, after 2 months they finally acknowledge I am paying and sending regular statements, I find ... they have misapplied my payments beginning with XXXX, which was received by XXXX on XX/XX/XXXX, being that the loan was transferred on XX/XX/XXXX making the first payment due to SLS XXXX. 

After months of endless phone calls, faxes, emails, and documents being mailed ... being told over and over on recorded phone calls we see the error and we will get it fixed, nothing changes. Nothing! XXXX XXXX would not help! In XX/XX/XXXX, I called XXXX XXXX again and that is when XXXX told me about Boss Law. 


XXXX XXXX XXXX claims that service was transferred to XXXX on XX/XX/XXXX due for the XX/XX/XXXX payment. Also, that SLS is unable to comment on the servicing of the account that occurred with the prior servicer. Yet, they claim to know my payment was for XXXX when it was for XXXX! There is one reason they may claim an amount was due for XXXX of {$28.00} which XXXX did not receive until XX/XX/XXXX. But, that was forwarded to them, they have it in their records! 

Once they even tried to claim it was the XX/XX/XXXX payment that was late, since it was the same payment amount. 

Here is a simple history of what happened : XXXX - {$520.00} recd XX/XX/XXXX XXXX  XXXX - {$520.00} recd XX/XX/XXXX XXXX  + {$28.00} recd XX/XX/XXXX XXXX   = {$540.00} XXXX - loan transfer XX/XX/XXXX to SLS XXXX - {$530.00} recd XX/XX/XXXX SLS XXXX - {$530.00} recd XX/XX/XXXX SLS + {$48.00} recd XX/XX/XXXX SLS = {$580.00} XXXX - {$530.00} recd XX/XX/XXXX SLS XXXX - {$540.00} recd XX/XX/XXXX SLS XXXX - {$520.00} recd XX/XX/XXXX SLS XXXX - {$500.00} recd XX/XX/XXXX SLS The reason for payments being in 2 payments is because I didnt always know the current amount due. 

XXXX - {$500.00} recd XX/XX/XXXX SLS XXXX - {$500.00} recd XX/XX/XXXX SLS XXXX - {$490.00} recd XX/XX/XXXX SLS XXXX - {$480.00} recd XX/XX/XXXX SLS XXXX - {$440.00} recd XX/XX/XXXX SLS XXXX - {$450.00} recd XX/XX/XXXX SLS I will continue with this when I receive the statement for XX/XX/XXXX.
Product: Mortgage

Information reported on credit report due to illegal foreclosure in XXXX and XXXX Asked for Loan modification help information was lost in their system HUD did there investigation My information was last in there system After loan was brought current My house was still listed on XXXX for sale Spoke to the XXXX XXXX XXXX XXXX House to brought down the same day the loan is brought current Negative balance of XXXX in escrow in XXXX I believe. 

Received a check from Wells Fargo for overage in escrow for XXXX Now I am XXXX short in escrow
Product: Student loan

I received confirmation from Mohela on XXXX of my loan repayment auto-debit withdrawal request which should have drafted my first loan repayment on XX/XX/XXXX as required. They did not draft my payment and I then submitted a one-time payment via the website on XX/XX/XXXX. I then resubmitted my auto-debit withdrawal request, and received confirmation that Mohela processed it on XXXX. They did not draft my payment for XXXX either as of today, XXXX. Upon checking my account, I discovered that all of my loan accounts have been placed in forbearance until XX/XX/XXXX. I received multiple messages from Mohela in early XXXX related to my PSLF status but did not receive any correspondence related to a forbearance period. 
I called and spoke with XXXX, a Mohela customer service rep, who confirmed that Mohela placed these accounts into forbearance status for all account holders who did not have payments processed properly. They stated that this way no one would risk having late payment fees or accrued interest charges. XXXX XXXX today, I owe nothing on my account until " sometime in XX/XX/XXXX- I can not confirm a due date yet. '' My loans are enrolled in the SAVE program ( formerly XXXX ) and should be under repayment as of XX/XX/XXXX like all other student loans. The rep did confirm that the months in forbearance DO count against the total months of forbearance use available to a customer for their particular loan. I do not understand how they are able to count off months of forbearance allocated to your loan accounts for their inability to process payments properly.
Product: Credit card

I closed my American Express credit card in XXXX, XXXX, and subsequently cut up and disposed of the card as my husband and I were no longer flying to destinations. On XX/XX/XXXX, I received a notice from American Express that my credit card charge was overdue. I called American Express to inform them that this was a fraudulent charge and needed to be sent to the attention of their fraud department. Subsequently, I received notice from XXXX XXXX that I had an overdue account ( American Express ), so I filed a dispute with them. I called American Express again to find out what they needed to investigate this matter and personally spoke with their fraud department representative, but they offered no help. I looked up the charge myself and gathered the following information : around XX/XX/XXXX, someone used my American Express credit card number to make a purchase at XXXX ( which has a XXXX XXXX, CA, base ) in the amount of {$200.00} for an event titled " Loud Luxury ''. I once again called American Express with this information as they continued to send me statements for this charge, and my call was forwarded to the fraud department, so I inquired as to what more information they required. They responded with a letter dated XX/XX/XXXX, informing me I did not provide sufficient information for them to conduct a reasonable review of my claim. On XX/XX/XXXX, they sent me a letter to let me know the charges were now {$510.00} and they were transferring my account to XXXX XXXX XXXX XXXX, for collection.
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS IS A MONKEY SEE MONKEY DO LIE BECAUSE XXXX DELETED/REMOVED THIS ACCOUNT, AND SO DID XXXX RECENTLY IN 30 DAYS BECAUSE WHEN I DISPUTED THIS ON MY XXXX CREDIT REPORT. XXXX XXXX XXXX OVER WHERE THIS WAS PUT IN COLLECTIONS IN ALL THREE CREDIT BUREAUS WHO HAD TO FIGHT, DISPUTE GRIEVIOUSLY TO GET THIS REMOVED/DELETED. I AM SAYING THUS TELLING, THAT THIS ITEM NEEDS TO NOW BE PERMANENTLY REMOVED FROM MY XXXX CREDIT REPORT ESPECIALLY ON THE COLLECTIONS SIDE FOREVER. THE ACCOUNT IS TOO OLD FOR ONE WHERE ALL IT DID WAS RUIN MY CREDIT SCORE OF XXXX XXXX XXXX XXXX FROM XXXX, AND XXXX XXXX WHO GIVES OUT YOUR FREE SCORES RELATING TO XXXX, AND XXXX. XXXX XXXX REMOVED XXXX POINTS, AND XXXX POINTS OFF MY CREDIT REPORT DUE TO THESE COLLECTIONS, AND NOW THEY ARE DELETED/REMOVED FROM THOSE CREDIT REPORTS, AND NOW XXXX NEEDS TO REMOVED THIS INACCURATE DEPICTION OF AN ACCOUNT OFF MY CREDIT REPORT BECAUSE ONCE AGAIN ALL MY XXXX LOANS IS PAYS AS AGREED, AND WITH ONE PAST CREDIT CARD & STORE CREDIT CARD , WHICH HAS A XXXX BALANCE ON THEM. NOW I HAVE A FREAKING XXXX ON XXXX LOSING XXXX PLUS POINTS OR MORE WHERE MY BANK SAID MY XXXX WAS AT XXXX XXXX XXXX, AND NOW BETWEEN XXXX, AND XXXX I GOT A XXXX, AND A XXXX, WHICH IS A BUNCH OF XXXX WHERE ALL MY CREDIT SCORES SHOULD BE WELL OVER 700 PLUS. 


XXXX Total balance : {$450.00} LVNV FUNDING LLC Original creditor XXXX XXXX XXXX XXXX XXXX  Balance {$450.00} Balance updated XX/XX/XXXX XXXX
Product: Student loan

I was contacted about student loan consolidation. I agreed to consolidate my student loans as this would save me money on a monthly basis. I was entered into an agreement with a company called Equitable Acceptance who has been charging me $ XXXX/month for the past 18 months. To date, I have paid this company {$880.00} and still have an outstanding balance of {$910.00} which means I will end up paying this company {$1800.00} for document preparation services to consolidate my student loans. I was unaware that I would be charged this massive fee, had I known, I would not have engaged in any agreement that would cost over {$1800.00}. After researching this company further, they are in active litigation for unfair collection practices and fraudulently charging customers. They currently are unaccredited with the XXXX and have an F rating. I will be de-authorizing the automatic payments through my bank effective immediately.
Product: Vehicle loan or lease

Santander is not following through with their Multi-State settlement terms. I fall under the criteria to get the loan forgiven, get it cleared off my credit, and the title to my car. Received a postcard from the law firm handling this back in XX/XX/2020 and no word from Santander for anything. I have called their phone number and all agents have no knowledge of the settlement and will not forward me to anyone higher.
Product: Credit card or prepaid card

British Airways partnered with Chase to give cardholders a travel promotion - spend {$30000.00} or more on the card per year and you earn a companion voucher in which my wife and I can use to travel on the British Airways flights. I had two vouchers : XXXX XXXX expiring XX/XX/XXXX, and XXXX XXXX expiring XX/XX/XXXX. These vouchers were given to me in XX/XX/XXXX and XX/XX/XXXX. Unfortunately as we all know, the coronavirus pandemic raged in the world since XX/XX/XXXX and travel restrictions in place made it impossible to travel anywhere. Furthermore, considering I am a XXXX citizen with health problems, I provided a letter from my doctor showing that I am at high risk and I shouldn't travel. I asked for them to extend my vouchers so I can travel at a later date. Instead they did not answer my queries nor did they do anything on their end to help me. These vouchers have both now expired. They are happy to take my business but when it comes to commit to their end for the companion travel voucher, they refuse.
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 XXXXXXXX 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 an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) section states : no consumer reporting agency may make 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 know or has reasonable cause to believe that the information is inaccurate.