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

In accordance with the Fair Credit Reporting Act XXXX Account XXXX has violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.
Product: Money transfer, virtual currency, or money service

On XX/XX/18 I was attempting to purchase bulls tickets. The seller said he used XXXX. After seeing that XXXX was linked with Chase, I figured it was a safe way to handle the transaction. I sent {$160.00} using XXXX. However I didn't receive the tickets, and the seller stopped responding. Approx and hour later I contacted chase to get my money back. However the representative was extremely rude and unwilling to help.
Product: Credit reporting, credit repair services, or other personal consumer reports

- A Lawful Contract has : ( 1 ) offer, ( 2 ) equal consideration, ( 3 ) acceptance by all parties for the contract, and ( 4 ) the signatures by all parties involved with the contract. Only the parties signing the contract can participate in the discussion of the contract : Full disclosure about the CONTRACT is imperative -Tai XXXX XXXX XXXX a living soul Woman, does NOT have a contract or a " wet ink '' Signature with the CORPORATION and/or CORPORATIONS D/B/A XXXX XXXX, XXXX, et al, etc- The CORPORATE FICTIONS/ENTITIES listed D/B/A XXXX XXXX, XXXX, et al, etc., are obviously trying to do harm to Me , the Living Soul Woman, XXXX XXXX of the family XXXX by coercion, force of threat, force of contract, payment of fictitious debt, etc -The Truth in Lending Act is intended to protect consumers against abuse and deceit by creditors and I have been abused and deceived XXXX XXXX is in violation of 15 USC 1692. ( C ) ( A ). A debt collector may not communicate with a consumer in connection with the collection of any debt. 
-XXXX XXXXXXXX is in violation of 15 USC 1692. ( D ) ( 2 ). The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader. 
XXXX XXXX is in violation of 15 USC 1692. ( D ) ( 2 ). The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader. 
-When XXXX XXXX accepted my application, they became a trustee in a fiduciary obligation, and I became the beneficiary. As the trustee, they must do what's in the best interests of the trust ( held at the United States-Treasury ) . My social security number ( credit card ) extends credit to XXXX XXXX from the trust. If XXXX XXXX does not do whats in the best interest of the trust and give the beneficiary, me ( XXXX XXXX XXXX XXXX remove lien from my vehicle and remove charge off from my consumer report they are committing trust fraud ( malfeasance of office ). 
-If XXXX XXXX fails to make any reasonable procedures to resolve this matter and compensate me for the use of my credit card, I will indeed make XXXX XXXX criminally and civilly liable for all actual damages pursuant to Title 15 U.S. Code 1681n and Title 15 U.S. Code 1681o.

- 15 USC 1602L states that all accounts are paid in full the moment I use my credit card ( SSN )
Product: Student loan

I had my student loans down to {$6000.00} 15 years ago and now my current balance is $ XXXX. These are supposed to be low cost loans but I 've been paying 8 % interest for almost 20 years, when interest rates have been at record lows! How can this be justified??
Product: Credit reporting or other personal consumer reports

Experian XXXX XXXX XXXX XXXX XXXX : {$1400.00} Act : XXXX Phone : XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Date Open : XX/XX/year> Status : Account charge off Business Credit Card - Joint Business is closed
Product: Credit reporting or other personal consumer reports

Upon reviewing your response, I regret to inform you that the account in question is still incorrect and maintains a verified status. Despite previous efforts to rectify this matter, it remains unresolved, causing significant concern and inconvenience. 

I urge you to take immediate action to correct the inaccurate information associated with this account. It is crucial that my credit report accurately reflects my financial status to prevent any adverse effects on my creditworthiness and financial opportunities. 

I kindly request that you prioritize this matter and provide me with confirmation once the necessary corrections have been made to my credit file. Additionally, I would appreciate transparency regarding the steps being taken to ensure the accuracy and integrity of my credit report moving forward. With this, I am asking for your assistance to correct this account in my credit file : XXXX XXXX XXXX Balance Owed : {$470.00}.
Product: Credit card

BANK OF AMERICA IS UNLAWFULLY RE-INSERTING ACCOUNT # **************** AND ACCOUNT # XXXX SEVERAL TIMES OVER XXXX YEAR PERIOD ON MY XXXX CREDIT REPORT WITHOUT 5 DAY NOTICE TO CONSUMER AND VIA CHANGING ACCOUNT DATA, IN VIOLATION OF F.C.R.A.. XXXX HAS ASSISTED THEM IN DOING SO, AND MUST CEASE AND DESIST ANY FUTURE ILLEGAL ACTS. REMOVE XXXX ACCCOUNT FROM XXXX OR PAY FINES FOR DAMAGES.
Product: Debt collection

JPMCB CARD Account charged off. {$2000.00} written off. In accordance with XXXX5 USC 1681b, it is required that the bureau obtain my explicit written consent before furnishing my information to any third party or including it in any credit report.

I want to make it clear that I have never provided written consent for this account information to be furnished, obtained, or reported by your agency. As such, the presence of this information on my credit report is unauthorized and must be removed immediately. 

I request that you conduct an investigation and remove this account and any related information from my credit report. I also request that you provide written confirmation of this correction within 30 days, as mandated by the Fair Credit Reporting Act ( FCRA ). 

Thank you for your prompt attention to this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters to the Credit Bureaus to remove the inaccurate information that is found on my report. But still that inaccurate information is constantly reported on my report. That means the Bureau has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. REMOVE THESE FOLLOWING INCORRECT INFORMATION and INQUIRIES COMPLETELY FROM MY CREDIT REPORT : Inquiries : XXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX CURRENT ADDRESS : XXXX XXXX XXXX XXXX XXXX, TX XXXX PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX : XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian continues to report a collection in the amount of {$17000.00} on XXXXXX/XX/XXXX, original creditor XXXX XXXX XX/XX/XXXX- partial account number XXXX. This account is unsubstantiated and was previously deleted from my credit report and now is reporting again. ( Please see pages attached from my credit report. ) It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report, or to continue to report an item that has already been removed. This negative reporting is harming my credit score and this line item needs to be removed entirely from my credit report. I have contacted the bank as well as XXXX to remove this item however, I have not been successful.
Product: Credit card or prepaid card

Since XX/XX/2019, when my identity and cards were stolen, Citi has reissued new credit card numbers and cards for my Costco credit card account, but has repeatedly allowed the thief to make purchases on XXXX using THE NEW NUMBERS because the credit card is somehow automatically updating. We think the thief, XXXX XXXX, who poses as a XXXX XXXX and XXXX from XXXX, is an XXXX  getting deliveries of XXXX. I'm tired from constantly getting fraud alerts and sitting on hold refuting new charges he makes. Now there are new fraudulent charges on my statement. XXXX has used the number XXXX. XXXX voice number.
Product: Credit card

To Whom It May Concern, I am writing to formally lodge a complaint against Goldman Sachs regarding the handling of a disputed charge on my Apple Card. The details of my dispute are as follows : Dispute Case Number : XXXX Transaction Date : XX/XX/year> Merchant Name : XXXX XXXX Disputed Amount : {$110.00} Amount to be Re-billed : {$110.00} I initially disputed this charge due to inaccuracies and issues related to the transaction with XXXX  XXXX. Despite my efforts to resolve the matter through the appropriate channels, Goldman Sachs has determined the dispute to be invalid and has re-billed the disputed amount of {$110.00} to my account. 

My primary concern is that Goldman Sachs has not refunded the merchant for the disputed amount, which raises serious questions about the integrity of their dispute resolution process. This action appears to be an attempt to collect payment from me without rectifying the transaction with the merchant, which I believe constitutes an act of misappropriation. 

Given the gravity of this situation, I am seeking immediate intervention from the XXXX XXXX XXXX XXXX XXXX XXXX to address the following issues : 1. A thorough investigation into the handling of my dispute by Goldman Sachs.

2. Confirmation that the disputed amount was either refunded to the merchant or a valid resolution was achieved.

3. A clear explanation and documentation of the reasons for deeming my dispute invalid.

4. Reimbursement of the disputed amount if Goldman Sachs is found to have mishandled the case. 

This situation has caused me significant distress and inconvenience. I trust that the XXXX  will ensure a fair and transparent resolution process. Please find all necessary documentation and correspondence related to this dispute attached for your reference. 

Thank you for your prompt attention to this matter. 

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

U S DEPT OF ED/XXXX {$5500.00} Closed 22 potentially negative months DEPT OF ED/XXXX  {$0.00} Closed XXXX late payments Hover over labels for more details Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type - Balance on XX/XX/XXXX Loan Amount {$0.00} {$5500.00} Payment Info Status At least 120 days or more than four payments past due Status date XX/XX/XXXX Past due amount - Original loan amount {$5500.00} Monthly payment - Late payments XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX View more XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - - - - - - - - - - - XXXX XXXX 120 120 120 XXXX 90 120 120 120 120 120 120 XXXX - On Time 120+ Days Late 90 Days Late - Data Unavailable Additional info Responsibility Individual Account Terms - Company sold - Original creditor - Comments CONSUMER DISPUTES - REINVESTIGATION IN XXXX XXXX statements - Contact XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Is everything correct? 
Reminder : You are currently reviewing your Equifax Credit Report. If you find inaccurate information, you can either dispute the information online or via postal mail. Disputes about information on this report must be submitted to Equifax. Dispute with Equifax Online or by Mail at XXXX. XXXX XXXX, XXXX, GA, XXXX US DEPARTMENT OF EDU {$5500.00} Closed 44 potentially negative months DEPTEDXXXX {$0.00} Closed 9 late payments Hover over labels for more details Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Installment account Balance on XX/XX/XXXX Loan Amount {$0.00} {$5500.00} Payment Info Status 120 days past due Status date XX/XX/XXXX Past due amount {$0.00} Original loan amount {$5500.00} Monthly payment - Late payments XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX View more XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 120 120 - - - - - - - - - - XXXX 90 120 120 120 120 120 120 XXXX - - - - - On Time XXXX20+ Days Late 90 Days Late - Data Unavailable Additional info Responsibility Individual account Terms 120 Months Company sold - Original creditor - Comments Account closed due to transfer Your statements - Contact XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX Is everything correct? 
Reminder : You are currently reviewing your XXXX  Credit Report. If you find inaccurate information, you can either dispute the information online or via postal mail. Disputes about information on this report must be submitted to XXXX. Dispute with XXXX  Online or by Mail at XXXX. XXXX XXXX, XXXX, PA XXXX US DEPT ED {$5500.00} Closed Unknown payment history
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act Navy Federal XXXX XXXX XXXXXXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy. 

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

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

Portfolio Recovery Associates is in violation of 15 USC 1692c ( c ). I sent them out a letter stating that I want them to CEASE AND DESIST all communications with me through all mediums. I called three times and it was confirmed by three employees of PRA stating, that they put that letter in the system XX/XX/2022. So they are well aware of my cease and desist letter. I spoke to a young man name XXXX, identification # XXXX ON XX/XX/2022 at XXXX am. I asked him if he was on a recorded call and he said yes. I asked him why do portfolio recovery continue to contact me knowingly that they are violating the FDCPA. He didn't have an answer for me. I let him know that I have enough evidence to file a civil suit or further against them. I will be moving forward with that. The evidence that I uploaded shows the date that they sent me that letter which it states XX/XX/2022. They knew they were not supposed to contact me.
Product: Mortgage

To : XXXX XXXX and XXXX XXXX, XXXX XXXX XXXX XXXX   NATIONSTAR MORTGAGE LLC XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, TX XXXX To : Supervisor/Agent or Processing Personnel. 

Greetings, This is a formal request for a copy of my Title Insurance ( Owner 's Policy ) for my Mortgage to my Property. The title company Is XXXX XXXX Located in XXXX, Ohio. I, XXXX XXXX XXXX request a Copy of my Title Insurance ( Owner 's Policy ) To include Schedule A and B. I also request any Loan documents To include Rural Development XXXX and XXXX. This is a Public Notice Request and you have my permission to mail the copy to my address below.. Please comply within 10 days upon receiving this Notice. The Consumer Financial Protection Bureau is my witness to this Mailing and Public Notice request. 
Thank You, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ohio [ XXXX ]
Product: Vehicle loan or lease

I had an auto loan through JP Morgan Chase that was paid off XX/XX/XXXX of 2020 ; however, I forgot to stop automatic payments from drafting from my checking account at XXXX XXXX XXXX XXXX. I had an automatic car payment of {$470.00} drafted from my XXXX XXXX checking account on XX/XX/2020. I called and spoke to a representative at JP Morgan Chase on XX/XX/2020 who informed me that they denied the payment on XX/XX/2020 and the money would be returned into my checking account within 10 business days of the rejected payment. On XX/XX/2020 which was 10 business days since the rejected payment, I called JP Morgan Chase. The representative I spoke with informed me that the issue was now with our bank and there was nothing further they could do. I spoke to my bank that same day and they informed me there was nothing they were able to do, the money was out of my account and they had no control over it anymore and so it was in fact still an issue with JP Morgan Chase. I spoke with a representative on XX/XX/2020 from JP Morgan Chase and was informed I needed to submit proof of the money being drafted out of the XXXX XXXX checking account to their secure message center. I did and was told it would be 10 business days before the money was returned. It has now been more than 10 business days since I was told the payment was rejected by JP Morgan Chase and the money was drafted from our XXXX XXXX checking account. I have attempted to contact someone who is able to help from JP Morgan Chase and have had an incredibly difficult time finding a representative who is able to do anything other than transfer me to a different department. I have had me call disconnected or unanswered several times after spending 40+ minutes on hold. I would like to know where exactly my {$470.00} is and what I need to do in order to have it returned.
Product: Credit reporting or other personal consumer reports

The following accounts reflecting on my credit reports XXXX, TRANSUNION AND XXXX are fraudulent. Please see attached FTC Identity theft report XXXX  XXXX XXXX # XXXX Amount ( s ) {$4000.00} and {$7900.00} Opened in XXXX  please see attached documents. ( 2 accounts ) XXXX XXXX XXXX Amount XXXX Account # XXXX XXXX is showing a public record ( Bankruptcy ) on my credit report. It belongs to XXXX XXXX my name is XXXX XXXX.See attached documents
Product: Credit reporting or other personal consumer reports

A dispute was filed with all 3 credit bureaus for reporting inaccurate information. The dispute results were returned with the information marked as verified in less than 10 business days, and it is clear that a thorough investigation was not conducted. I am entitled to fair & accurate reporting in compliance with 15 U.S.C. 1681 et seq., & it is clear that these regulations were not upheld.
Product: Credit reporting, credit repair services, or other personal consumer reports

As I reviewed my recent report, I have found some erroneous information 's reporting on my TransUnion Credit Report. The payment history is incorrect. I was never late on these accounts. I've already sent a request to TransUnion to correct and update these matters but I am not sure if they have conducted a thorough investigation for these items :
Product: Credit card

I applied for a credit card through DESERT SCHOOL XXXX XXXX They then transferred me to their third party ELAN FINANCIAL SERVICES. While discussing the product I applied for I realized it was not what I intended to pursue. At this point I requested to be transferred to someone who could help me withdraw my application and that is when they started to become really shady about the process. I spoke to a customer service rep named XXXX ID # XXXX and he transferred me to somewhere for a 30 minute wait and at the end of the wait they hung up on me without me being able to address my issue. I called back and was connected to a customer service rep who 's name was XXXX. I asked her for her ID # and she told me that she did not know it. So I asked her to get It for me. She placed me on hold for 10 minutes and came back with her ID # XXXX and told me she would transfer me to the correct place at this time I waited another 20 minutes on the phone and they hung up on me. On my third call back I spoke to a customer service rep named XXXX. When I requested his ID # he told me that his was not allowed to give me that information at all and placed me on hold. Now a manager named XXXX ID # XXXX heard what I wanted to do about withdrawing my application for credit and he was able to transfer me to the underwriting department. He got me on the line with someone named XXXX. I asked XXXX for his ID # and he told me that he did not have one but had a ID pin or something which was : XXXX I requested that they withdraw my application as he had confirmed that the card had not been issued yet. He told me that they could not cancel it until it had been issued. I asked to speak with his manager and he hung up on me. Upon every step in this ridiculous rabbit hole of a company I was asked to provide my social security number. As I was trying to resolve an issue I had no problem supplying it however these customer service reps can not provide me with their ID # .. This leads me to believe not only are they giving me the run around so that they can process the card and get an origination fee but are also being very carefree with my personal data. The professionalism and service of ELAN FINANCIAL SERVICES is nothing but predatory lending.
Product: Credit card or prepaid card

Capital One Bank is currently reporting 3 unauthorized hard inquiries. I am unaware of these inquiries and I did not authorize them. 

I am specifically speaking to the inquiries report on these dates : Capital One Bank Usa XX/XX/2020 Capital One XX/XX/2020 Cap One Na XX/XX/2020 I am aware of the inquiries made May of this year. I authorized those inquiries.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting AcXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US DEPT ED 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 have 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.
Product: Money transfers

On XXXX XXXX, 2016, Paypal processed an unauthorized virtual transfer request from XXXX for {$230.00} resulting in several failed transfers from my bank. Paypal processed the unauthorized charge without receiving funds from bank due to the fact that the transaction was not authorized Paypal proceeded to harass me for their failed virtual money transfer.
Product: Mortgage

To Whom It May Concern : My Mother XXXX XXXX XXXX passed away on XXXX XXXX, 2015. We purchased the house together and all though I am not on the mortgage note I am on the Deed of the house. We purchased the home in joint tenancy in the State of Colorado. We were advised when we bought the home that this was the best way to take title so that no formal Estate had to be established because in the event of XXXX of us passing away the ownership transferred to the survivor. Wells Fargo is making me chase my tail for an issue that can be settled. We are trying to short sale because when my Mom was sick she did not pay the mortgage and I can not afford with only my income. This is what they keep telling me : ( We need documentation that the person on the deed is able to sign for the deceased. The person on the deed is not on the loan. ) This makes absolutely no sense the only POA done for my Mother was medical and not real estate related. I did not think that we had to go through this because of joint tenancy title in the State of Colorado. If this was a normal sale they would accept my signature as the sole owner on title do not know why they are giving me such a hard time in the short sale process. Can you please help me get this issue settled??