23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Both the trustee of my mortgage and the investor/holder of my mortgage have committed numerous mortgage related violations, some criminal and have both reached settlements with the Department of Justice for such. Even though both have consent agreements mandating homeowner relief with modifications, both have refused to allow a modification. 
XXXX is the trustee of my mortgage note for the Master servicer Morgan Stanley via XXXX XXXX. 
Both XXXX and Morgan Stanley have entered into agreements with the Department of Justice and various other federal and state regulatory bodies to settle and plea guilty to their criminal actions for various mortgage related crimes. 

In XX/XX/XXXX the Department of Justice announced that XXXX entered a guilty plea for XXXX 's criminal actions in manipulating the Libor rate. 
The Libor rate was used to establish the interest rate on my mortgage. This in and of itself should make my loan, " the fruit of illegal activity '' null and void. 

In XX/XX/XXXX the Department of Justice announced that Morgan Stanly was settling claims against them in the amount of XXXX dollars for mortgage related/issues and fraud. 

On XX/XX/XXXX The Department of justice announced that XXXX was entering into a civil agreement of XXXX dollars, of which XXXX is for relief to aid consumers harmed by its unlawful conduct ; specifically XXXX will provide loan modifications, including loan forgiveness and forbearance to distressed and underwater homeowners throughout the country. I am one of the consumers mentioned above! 

Morgan Stanley and XXXX through their sub servicer XXXX have refused to allow me to modify my mortgage even though the mortgage is predicated on XXXX 's and Morgan Stanley 's criminal and illegal behavior that both have pled guilty to paying XXXX of dollars in fines and both have been mandated and agreed to offer consumer relief through loan modification. 

On XX/XX/XXXX, just three days after XXXX entered into the agreement with the DOJ, XXXX filed for foreclosure on my mortgage even though I have been trying to modify my mortgage for many years and have been repeatedly told that " the investor does not allow modification for my loan ''. Considering their guilty plea for their criminal actions, can they even continue to manage this trust? 
I want XXXX and Morgan Stanley to abide by the respective agreements that they entered into with the DOJ and various other federal and state regulatory bodies and fulfill their obligation to offer consumer relief. 
Please modify my illegal loan.
Product: Credit card or prepaid card

I paid {$200.00} for a vehicle rear window tint removal ( {$100.00} ) and replacement ( {$100.00} ) on XX/XX/2022 at XXXX XXXX. XXXX XXXX is located at XXXX XXXX XXXX, XXXX XXXX, XXXX MD XXXX and the contact number is ( XXXX ) - XXXX - XXXX. On XX/XX/2022, I discovered my rear window defroster was defective as a result of the tint removal service. The middle 4 grid lines on the defroster were not melting the frost. The defroster was fully functional prior to the tint service. I called XXXX XXXX on XX/XX/2022 to request a refund due to the property damage caused by a service. XXXX XXXX was argumentative and refused to provide a full or partial refund, advised me to dispute the transaction with my bank, and offered to refer me to a window replacement company. I was not advised of any risks verbally or in writing that XXXX occur with the service, and XXXX XXXX did not provide any waiver of liability form. 

I disputed the {$200.00} charge with Bank of America on XX/XX/2022. I provided pictures of the damages, my invoice, appointment confirmation, and screen shots of messages from XXXX XXXX advising me to dispute the transaction. Bank of America issued me a conditional {$200.00} credit pending the investigation. 

On XX/XX/2022, Bank of America requested additional information. Bank of America required me to an inspection from another merchant in the same profession to confirm the damage occurred from the tint removal service. The second merchant was required to document the damages, confirm the damage occurred as a result of the service, a repair quote, and provide certifications proving their expertise. I visited a second merchant and confirmed the damage was caused by the tint removal service. The merchant advised the only repaid is to completely replace the rear window, which could cost at least {$300.00}. Bank of America requested this documentation on official letterhead ; however, the merchant was unable to obtain the official letterhead document from corporate by the strict deadline of XX/XX/2022. 

On XX/XX/XXXX, I submitted a letter to Bank of America documenting the merchant 's confirmation, quote, and contact details. I provided additional pictures of the apparent damage to the window. I reiterated the original merchant advised me to dispute the transaction because I was refused a refund. 

On XX/XX/XXXX, Bank of America charged me the {$200.00} because I was unable to provide the official letterhead in time. I have never disputed a service in the past, and I have been an account holder with Bank of America for over a decade. My account has always been in good standing ; however, the burden of proof was my responsibility. Requiring me to obtain a second opinion with extensive provisions with a short deadline is unreasonable. Bank of America failed to provide consumer protection. I am now out of over {$500.00} because of the defective service and cost of repairs.
Product: Credit card

Paypal opened a credit card account without my permission and stated such on a call to custonmer Service
Product: Debt collection

I received an email on XXXX XXXX from PayPal through my email but addressed to my brother. It had an invoice attached for the purchase of bitcoins, amount was {$620.00}. Neither my brother nor I purchased any bitcoins. My brother doesnt even know what they are. 
I sent an email response saying that I did not authorize the purchase of any bitcoins. Also requested that the invoice amount be voided and deleted, otherwise I would contact legal resources. 
I also decided to call the phone number on the invoice for assistance. I talked to 3 people whom I thought worked for PayPal but as we talked ( over an hour ) to resolve the issue and check security on my phone I started to doubt these people and suspected fraud. They wanted me to create a XXXX  transaction and use XXXX. When I downloaded this app I discovered what it is and said I did not want to send any money. So they asked me to purchase XXXX gift cards. This is when I tried to hang up but I couldnt so I shut my phone off. 
I have reported this to my credit card company and have received a new credit card. I also reported it to my bank to put a red flag on anything suspicious. 
I am now reporting this to you and want these people prosecuted. I do not have a PayPal account nor a debit card through them. Thanks for your help.
Product: Debt collection

AMERICAN FIRST FCU ( CREDIT LINE ) is a result of identity theft. I recently discovered along with other accounts through my new monitoring service this account being reported that does not belong to me. I made efforts to remove this account from my file as the amount of {$500.00} does not belong to me. This account was fraudulently opened through this company in XXXX of 2018 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
Product: Credit reporting or other personal consumer reports

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

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

UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XX/XX/2024 XXXX XXXX XX/XX/2024 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 don't 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 and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Product: Checking or savings account

I had my Chime debit card stolen on the night of XX/XX/XXXX and was then fraudulently used at a XXXX  Lottery machine in a XXXX near my address at XXXX and XXXX the next morning. I file a police report and called the bank as soon as I realized the card was missing after I got off of work that day but by then it was too late and they people who stole it spent {$500.00} and made my account go into the negative {$120.00}. The bank said I could dispute the transaction but had to wait for it to be cleared in my account before I could do that. It finally cleared in my account and I disputed it but accidentally cancelled the dispute thinking I was removing the transactions from my account. I have had this account with this bank for almost four years and have never in all that time spent money on lottery much less {$500.00} in less then XXXX minutes. I have provided them with the police report and they still said that it was still me who made these transactions even though I didn't have my card and they knew I didn't have it. They also refused to give me an address for the place my card was used even after being asked multiple time on the phone and over email.
Product: Debt collection

National Credit Systems account open on XX/XX/year> to the original creditor XXXX XXXX XXXX  and it says I owe {$5300.00}. I have never stayed to this place and I believe my identity was stolen to get this apartment.
Product: Money transfer, virtual currency, or money service

My information was compromised in a Coinbase data breach. It was then used in a sim swap scam that began at XXXX central time XX/XX/XXXX. I attempted to reach out to XXXX support, but they have not been forthcoming or available. I lost {$600.00} in assets on XXXX. Additionally, the scammers have been charging my bank accounts and XXXX will not stop this activity or secure my information.
Product: Bank account or service

Pay Pal created a credit service on me without my permission. I found out in XXXX of this year that something that I had purchased online using Pay Pal and thinking that it was on the " Bill Me Later '' system, I 'd get a bill for it and pay it. They created a new credit service and I never heard anything about it until I was going into debt collection, now I owed fees. I paid the amount and the fees at that time. Then again I bought something on-line and used my credit card, so I thought. Pay Pal apparently could n't collect from that credit card so they charged that Pay Pal credit again and again I do n't hear anything about it until its now in XXXX 2015 and now there are late fees that are attached doubling the amount owed. I again had to pay that yesterday. Now I hear that there is a class action against them for this same thing with others. Who do I talk too?
Product: Credit card or prepaid card

I have been trying to close a Santander Bank Credit Card Account, But Santander Bank is not willing to do so. Even though I do not currently have any outstanding balance with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. 15 USC 1681i ( a ) ( 1 ) ( A ), Can you reinvestigate the completeness and accuracy of the list of accounts below : 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, 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.

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.

Also, Ive noticed unauthorized inquiries on my report OR someone applied for something in my name. AND Fair Credit Reporting Act ( FRCA ) requires all unverified and unauthorized items must be removed from my credit report. XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX
Product: Debt collection

The female employee of this debt agency called my phone was very hostile to myself and she even threatened me with excessive calls. I was told to not answer anymore calls from the person. She was very unprofessional to the point that we had to block the phone number
Product: Debt collection

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. These accounts are inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to 3 Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove them from my personal credit file. Thank you. 

ARS ACCOUNT RESOLUTION ( Original creditor : XXXX XXXX XXXX XXXX ) XXXX Balance {$710.00} ; ARS ACCOUNT RESOLUTION ( Original creditor : XXXX XXXX XXXX XXXX ) XXXX Balance {$1000.00} ; ARS ACCOUNT RESOLUTION ( Original creditor : XXXX XXXX XXXX XXXX ) XXXX Balance {$1100.00}
Product: Credit card or prepaid card

I bought an American Express prepaid gift card in XX/XX/2021, it has {$500.00}. I spent {$490.00} on a XXXX website. XXXX deducted a pre-authorization of {$0.00}, and these orders were canceled by the merchants. The money was returned to my card. Due to XXXXXXXX XXXX, I need to go XXXX  for a period of time and can not use this gift card. In order to prevent it from being stolen, I called a customer service representative and left my information to lock the card. When I came back from work, I couldnt find where is the card. I only left the number of the card in my mobile phone. I called the customer service and provided the personal information I left at that time, and apply to unlock my card, but Instead they asked me for the serial number of the card, I was never told to keep this serial number, just have the correct card number date and security code to use, no one told me to provide this serial number, I provided all the information I gave to the customer rep they couldn't help me, it shocked me, AmEx is a big company, how can they be so rude to take money from customers? it's really shocking to embezzle money in such a way, my card I can provide information but can't re-unlock my card, this is hard for me to accept.
Product: Mortgage

on XXXX 2015, I received a letter from GreenTree stating that they ( XXXX ) at XXXX extension XXXX would help us with our home property to be inspected and condemned as unliveable due to the poor condition of the house. 
On XXXX 2015, I got a call from XXXX XXXX with Greentree now Ditech president 's office ( XXXX XXXX XXXX ) at same number not sure of extension. She informed me that I would need to get the XXXX XXXX Housing Authority or Appraiser or commissioner to help with the inspection because Greentree only does outside inspections not inside inspections of the house. Sir, I have tried to get XXXX XXXX Appraiser, City and Commissioner to help, but no one knows how to go about helping us condemn the house because they have never heard of such a thing. 
Please help us to know how to approach this situation. Right now we are being charged exorbitant home owners ' insurance on the vacant house because it is in a vacant or abandoned situation which we did not want to move but we had no choice since the house was very detrimental to our health and our children 's health. Please help us to avoid further exorbitant insurance costs in fact by the end of XXXX the insurance company XXXX is going to assess a rate hike because they said they can do it? Please sir, the cost of insurance on a falling apart house is not worth the cost of carrying insurance on it. In fact the house payment is probably less than the cost of the insurance at this point.
Product: Checking or savings account

Sunday night XXXX CST, XX/XX/2021 Chase Bank XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX # XXXX Term Id : XXXX Chase ATM stole {$750.00} Cash from my deposit due to Malfunction. 

I went to the local drive up ATM at Chase bank. New Customer with Chase and I needed to deposit Cash- {$1000.00} total. 

The Machine said it could take a maximum of 30 bills so I deposited a stack of 5, $ XXXXbills and XXXX, {$50.00} bills -- XXXX total bills. The machine then began to malfunction and spat back 5, {$50.00} saying that they could not be deposited. The machine then crashed and printed out a receipt telling me to call in to see it the deposit went through. I checked my Chase app and of nothing was deposited. I called the customer service line and no one was available to speak to and they automated line said I had no deposits. 

Things I have : A physical receipt from the ATM that does not mention dollar amounts, but a phone number with a code? 

The Bank should have security footage : I drove up to the ATM twice afterwards to document the camera angles and photograph the area. And also check my balance which never changed. 

I Started at Claim with Chase and they gave me a temporary {$750.00} on my account -- on XX/XX/XXXX, they said they closed the claim and nothing was found, stating they will take back that {$750.00}. 

They said there was not surplus in the machine and refused to look at the security footage. They said the cameras were there just for Theft and the police department could only get a hold of it -- I called the XXXX Police Department to file an investigation as well. This is theft. 

They said I can fax in the physical receipt and they can reopen the case but the person on the phone that will probably not really do much. 

The ATM Stole my money and I need assistance, it is incredibly frustrating. Please assist as I can not even get a hold of a sound person at the physical bank -- and only call center people from out of the country. 

Thank you.
Product: Credit reporting or other personal consumer reports

Subject : Dispute and Request to Update Personal Information Dear Sir/Madam, I am writing to dispute and request an update to my personal information in your records. I recently obtained a copy of my credit report and discovered that some of the personal information listed is inaccurate or outdated. I kindly request that you investigate and make the necessary updates to ensure the accuracy and integrity of my credit profile. 

Please find below the specific details of the incorrect or outdated information : 1. Name : My current legal name is XXXX XXXX XXXX, but it is listed incorrectly on my credit report as XXXX XXXX. I request that my name be updated to reflect the correct information. 

2. Address : My current residential address is XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX, NJ XXXX, but my credit report shows an outdated address as XXXX XXXX XXXX XXXX XXXX, NJ XXXX. I request that my current address be updated accordingly. 

3. Contact Information : The phone number listed on my credit report I need be updated for this one XXXX. 

4. Born : My birthday is XX/XX/1967. 

I have enclosed copies of supporting documents to verify the accurate information provided above. The documents include : A copy of my driver 's license or passport displaying my correct name. 

Additionally, please provide me with a written confirmation once the updates have been made, and send me an updated copy of my credit report reflecting the changes. 

I appreciate your prompt attention to this matter. Should you require any further information or documentation, please do not hesitate to contact me at XXXX or via email at XXXX. Thank you for your cooperation. 

Sincerely,
Product: Consumer Loan

Coastal Credit LLC ( XXXX XXXX XXXX XXXX, XXXX XXXX, VA XXXX Phone : ( XXXX ) XXXX XXXXXXXXXXXX ) has refused to let me pay off my vehicle and report to the credit bureaus that it has been paid. They said they will not provide me with a letter saying that it will be paid. I want to know that if I make this final payment that it will be reported to the credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a XXXX  and for a long time I used my Discover student credit card because it provided good benefits. Over the summer of 2022, I traveled abroad and let Discover know that this was the case. I got stuck there with covid and forgot to extend the travel dates with discover, as a result of this, my account got flagged for fraudulent activity, and the only way to fix it was to fill out the physical form that they sent to the United States. For whatever reason, I submitted the form and they still couldn't verify that it wasn't fraudulent so they went ahead and closed my account resulting in not only a huge drop in my credit score because of a closed account but also I get automatically declined whenever I try to apply for the card again. This is extremely annoying because I've called, they cant help, and there was never any fraudulent activity in the first place.
Product: Credit reporting or other personal consumer reports

XXXX, Equifax, and XXXX refuse to update two accounts to my credit profile as a authorized user. 

And also their point gouging me taking a stream amount of points away from me. 

They refuse to add XXXXXXXX XXXX XXXX credit card ending in XXXX to my credit profile and also XXXX  XXXX. 

The company 's XXXX XXXX and XXXXXXXX XXXX state that they are reporting to my credit bureaus all three but none of the credit bureaus are reporting to update my credit profile.