23daVinci/CFPB_Complaints huggingface dataset:
Product: Prepaid card

Provisional credit requested for case XXXX Chase bank have been in a lot of hot water lately. I had over {$2000.00} of unauthorized charges. I have called on multiple times and was told I would get a provisional credit which is my legal rights as a usa citizen. They constantly deny my case without given me that grace. When I call, they will say if you provide this document, this police record, I assure you that you will receive your money back. I do it, and do not. This company do not honor their word! I work in this field from another company so I know it's their mission to deny you of your legal rights and hope you're not smart enough to fight it. There is an honor system and since all calls are recorded, the fact that they say they will they should. These remote fast food worker mentally people at this company are just low lives that have to keep job security by denying you on purpose so you can call in. I am going to a lawyer to pull up every phone conversation from the ones where you guys hung up on, laughed in my face for crying about someone stealing from me, reassuring that I will get my money back and also, the emails where you guys willingly said my information was compromised and to call right away. How can it not be unauthorized when you guys catch the suspicious activity? I won't my money back. I have found this helpful link. Under regulation e, I'm subject to a provisional credit despite you guys may think. I want a provisional credit for every last XXXX I said was unauthorized or lawyers will be called and I'll get more. You guys have to honor the EFTA and are being investigated as we speak. 
XXXX XXXX XXXX XXXX XXXXXXXX
Product: Mortgage

My parents did a reverse mortgage with XXXX XXXX XXXX in XX/XX/XXXX. My dad XXXX 5 years ago and my mom just XXXX a year ago XX/XX/XXXX. I am the sole heir and the only family member left. I had been living with mom for 3 years taking care of her. This has been my childhood house since XXXX grade! Long story short, I got my name on the house and have a buyer who is waiting for the payoff amount and the mortgage company refuses to give it to me. The house goes up for auction XX/XX/XXXX and i am still not able to contact them. They have given me wrong numbers and i have left messages every day and they have yet to return my calls. I have been trying to reach them since the XX/XX/XXXX. They will not give me a payoff in a timely manner. 
The sale is due on the XX/XX/XXXX and foreclosure is the XX/XX/XXXX.

This is very stressful for myself and the buyer and I originally tried talking to them in XX/XX/XXXX and I could not talk to a manager or anyone in a higher position. They lost my paperwork and I had to resend it. I also noticed that my mother 's name is misspelled on the Notice of Trustee 's Sale document. They have purposely delayed things so I am in jeopardy of losing everything. This is unprofessional and very unfair. XXXX XXXX XXXX XXXX is also involved in the matter. 
Thank you for your time and consideration on this matter,
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 sent XX/XX/XXXX & XX/XX/XXXX Section 609 of the Fair Credit Reporting Act Letter sent XX/XX/XXXX & XX/XX/XXXX Accounts, Late Payment Letters Sent XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Accounts : Department Of Education/XXXX ( Late Payments, XXXX, XXXX Only Shows On Transunion Report XXXX Inaccuracy ) XXXX XXXX XXXX - {$1000.00} XXXX XXXX - {$820.00} XXXX - {$2100.00} XXXX XXXX  XXXX {$3500.00} XXXX XXXX - {$460.00} 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.
Product: Vehicle loan or lease

Payoff sent to creditor and received XX/XX/XXXX which is verified by USPS  tracking and employee response. Response states it was received on said date but at XXXX. Payment would need to be received on said date to avoid late fee. Fee was waived on XX/XX/XXXX after confirming payment was signed for on XXXX. 

Latest representative response is refusing to refund one days worth of interest occurred on XX/XX/XXXX. 

This amount is approximately {$7.00} based on loan amount of {$46000.00} for 84 months at 5.84 %. 

Resolution is to refund said amount of interest.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was going through my XXXX credit history and noticed that on XX/XX/2018 a hard inquiry was posted on my account. I have never applied for any line of credit with the company and have never done any kind of business with them. It shows " CBNA '' as the name of the institution and " National Credit Card Cos. '' next to the description. After researching I found out that CBNA stands for CitiBank of North America. The credit reporting website said to contact the creditor ( CitiBank ) to dispute the inquiry. I contacted CitiBank and they said that they could not help, that I had to contact XXXX  directly for them to remove it from my account. I then contacted XXXX and told them what CitiBank told me and they said that they are only a reporting agency and that the process must be initiated by CitiBank. CitiBank still does not help and I am stuck with a hard inquiry I did not initiate and 4 hours of my time wasted. None of then want to help.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies in my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : Experian : XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX Original Creditor : XXXXXXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX : XXXX ( Original Creditor : XXXX XXXX  ) XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

Coinbase. I have about 600 dollars in their secure vault. I requested these funds be removed ( XX/XX/XXXX ), and followed the procedure ( which involves clicking links sent to 2 email addresses as verification ). The website came up with a 'fault, bug in the system ' response - contact support. I have done so ( XX/XX/XXXX ). No response. I have sent several emails, no response. I have posted on their community support forum, no response. I notice many many others are having the same problem and customer support is not responding. I cancelled the withdrawal, as the FAQ 's suggest in the event of this happening. But on my XXXX it say 'awaiting signature ', on my desktop is says 'waiting approval '. The problem is - my currency is declining in value every day it is stuck in limbo, and I ca n't access it. Every time I look at my vault, it says 'waiting approval '.
Product: Money transfer, virtual currency, or money service

Cash app completely closed my account for no reason and with no explanation. I use my cash app on a daily basis. This really impacts my everyday life and no one can tell be why or help me get my account back open.
Product: Money transfer, virtual currency, or money service

PayPal set restrictions to my account that I used to receive payments when selling my used, old items on XXXX. 

I successfully sold and received payments for XXXX XXXX XXXX XXXX and XXXX XXXXXXXX XXXX XXXX XXXX. I canceled the sale on XXXX item and refunded the customer because of the restriction imposed to my PayPal account. Consequently, I have remaining balance of {$280.00}. 

I can't withdraw or use the {$280.00} because of the restrictions and I can't work this out with PayPal, because they are asking documents such as a receipt for the XXXX watch and XXXX docking station. They are old items and I no longer have receipts, which I think is reasonable. 

All I want is to close my PayPal account now and have a check mailed to me for the remaining balance of {$280.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I get alerts of inaccurate imformation, through credit monitoring. False claims about poor payment history, false claims of credit card utilization, I've been labeled a high risk!! And none of these things are true I have a very good track record with my creditors, I called my creditors to see if their reporting this imformation, to experian and was told there not! Experian is just putting inaccurate imformation on my credit report as they feel. Updates up to a year late, with updates.
Product: Mortgage

I can't believe big bank like JP Morgan Chase would not get any deferment signed? And you still have not shown any kind of deferment! And your paperwork does not match my statement or what I paid?
Product: Credit reporting or other personal consumer reports

Re : Investigation of Inaccurate Credit Report Items is in Violation Under 15 U.S. Code 1681e ( b ) ( b ) Accuracy of report To Whom It May Concern, I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report. 

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and may be the result of identity theft or other illegal activities. Attempting to enforce these fraudulent accounts is unlawful. I request that you expedite your investigation to prevent further harm, losses, or damages that I may suffer as a victim of identity theft. 

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of 1974. Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.
Product: Credit reporting 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 XX/XX/XXXX : # XXXX {$830.00} XXXX : # XXXX {$69.00} XX/XX/XXXX XXXX XXXX XXXX : # XXXX XX/XX/XXXX XXXX : # XXXX XX/XX/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.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts though your company claims to have verified these. 
Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 


As in XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, Equifax, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 
XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

On XX/XX/2016 I went in to make a payment to " XXXX '' in the amount of XXXX, they accepted my check and gave me a receipt. On XX/XX/2016 I got a email stating they had my check in front of them but have not cashed it. On XX/XX/2016 my check in the amount of XXXX was cashed ( by XXXX ) and then sent me to collections on XX/XX/2016 by ( Genesis Credit management ) XXXX and I were on a payment plan for every month in the amount of XXXX due the XXXX of every month. Because I did not sign their promissory note fee but made my first payment they still sent me to collections. XXXX a Account Representative with Genesis credit management then called my cell phone multiple times and because she did not hear the answer she wanted to she then decided to call me at work, I believe three times I talked to her and every time asked her NOT to call me at work and that she had my cell phone number and two other times my coworkers told me she called while I was off. After multiple times I asked her not to call my work phone she then starts harassing me telling me " I heard about you and I 'm not scared of you '' ( Something along those lines. '' Which I am guessing she was meaning after talking with ( XXXX. ) she then called my work harrsing my HR team, telling them " They legally have to give her ALL my information, and being extremely rude. I have not heard from XXXX or her team since.
Product: Debt collection

I was contacted by phone by a man who said he was calling from a law office, and that they were collecting on a loan that I owed to XXXX. He said I owed {$600.00} on the loan, and with late fees over time, I now owed {$1300.00}. But then he said that he would work with me, and that if I paid {$330.00}, within 24 hours, then that would settle it. 
I did have a loan from a few years ago, and I did have as dispute with the lender, because they took more debits than they were authorized for, and so I did not pay them anything else, but had paid back much of the loan. I am not certain if the loan was with multiloansource or not, and I could n't find documentation to support that they were the lender I used. I have also gotten a lot of other calls from other debt collectors who say I owe on a payday loan from online, and they all had things they said which made me think it was a scam. 
When I asked for information to be sent on the documentation of what was owed in writing, they said they could n't send me anything by regular mail, but that they could send something by email. They already had my email address, which I thought was strange. They also never identified themselves as to what company they were with until they sent the email which appeared to be sent from Integrated Recovery Services. The email was just a Word document saying that I owed the debt, but not any proof. I also recently learned that internet loans are void in my state, so I do n't know how they would freeze my assets, contact my employer and garnish my wages, as they said they would do. They said I had 24 hours to respond or they would take legal action.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has now been over 60 days since I reached out to the credit bureau about issues on my credit report. They have yet to respond at all which I know is in complete violation of the FCRA guidelines, even with the extended timeline you have given them. PLEASE help to fix this issue
Product: Mortgage

In XX/XX/2017, my wife and I were pre-qualified to purchase a new construction home. We were pre-approved for {$380000.00}. During the loan process, our loan officer from Wells Fargo ( XXXX XXXX in XXXX Alabama ) told us that our loan was fine and authorized us to give the builder a non-refundable {$4500.00} for the builder to build a fence on our new home. This was all done prior to close. Three days prior to close, XXXX called to tell us we were not cleared to close and we lost our XXXX. 
We filed a complaint with the consumer board last year with no help or resolution, in fact, the board took what Wells Fargo told them and essentially closed our case.
Product: Credit reporting or other personal consumer reports

Pursuant to 18 USC 8, I owe no debt. This company is violating my consumer rights to privacy pursuant to 15 USC 1681b 2. company has also NO permission to report ANYTHING using my info pursuant to 15USC 1681 4.

I have recently reviewed my personal credit report. I found this account on my credit report that was not opened by me. This has been hurting me! XXXX XXXX XXXX reported {$2900.00} collection account XXXX on my credit report. I NEVER SIGNED ANY DOCUMENTS STATING THAT I OWED THEM ANY MONIES OR DEBTS. THIS IS AGAINST THE RULES AND REGULATIONS OF THE FCRA!
Product: Credit reporting, credit repair services, or other personal consumer reports

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX  XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either Experian, XXXX XXXX or XXXX   respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to Experian XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.
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 a so states a consumer reporting agency can not furnish a account without my written instructions.

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

301
Product: Credit reporting 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 U.S.C 1681 FAIR COLLECTIONS AND OUTSOURCI Credit report transunion credit report. Experian 15 U.S.C 1681 section 602 A state I have the right to privacy. 15 U.S.C 1681 section 604 section 2 it also states a consumer reporting angency can not furnish a account without my writing instructions 15 U.S.C 1681 ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer reports containing any of following items of information any other adverse items of information, other than records of convictions of crime which antedate the report by more than XXXX years. 15 U.S.C 1681 -2 ( A ) ( 1 ) a person shall not finish any information relating to a consumer reporting agency if the person knows or has reasonable. 
They dont have the correct birthdate.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX and there were several things on my credit file that were reporting incorrectly that I disputed and they took good accounts that they had no business removing. What is going on with them??? They need to report the paid as agreed and the open especially if they are going to report negative information. This is stopping me from making a financial move.