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

This agency is violating my consumer rights by furnishing adverse items to my consumer report other then those allowedby law. 15 US Code 1681c ( a ) Information excluded from consumer reports : ( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

I have continuously attempted to assert 15 U.S. Code 1681b - Permissible purposes of consumer reports, Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) In accordance with the written instructions of the consumer to whom it relates. The consumer reporting agency has denied me my federally protected right dictate what may be on my report stating I have no right.

By denying me the opportunity to exercise my right and continuing to furnish information without my expressed permission they have assumed my idenity as the consumer which is identity theft, which is defined by 12 CFR 1022.3 Definitions Identity theft means a fraud committed or attempted using the identifying information of another person without authority My privacy has been continuously violated under The Privacy Act of 1974 ( 5 U.S. Code 552a ) ( b ) Conditions of Disclosure.No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains
Product: Money transfer, virtual currency, or money service

On XX/XX/2020 I was hired by a company called XXXX XXXX, based in XXXX XXXX. The job was said to include processing monetary orders using various exchange methods ( among other duties ). I was to receive instructions through XXXX. My first task, on XX/XX/XXXX, was parsed to me in pieces so that I did not know the exact nature of the task was until it was nearly over, but I followed XXXX instructions to receive a bank deposit from Chase ( through XXXX ), and forward that to another party. After I finished, I wrote to my liaison at XXXX to say that I needed to talk to them before doing any new tasks because this looked too much like money laundering, but they never got back to me. A few days later, Chase Bank froze my checking account, telling me that the {$2700.00} I received and then forwarded out came from hacks within their system against two account holders. Initially, Chase conducted an investigation which resulted in Chase saying, on XX/XX/2020, that they " completed our research for the transaction ( s ) you reported on XX/XX/2020, '' and have " found that the transaction ( s ) was processed correctly or was authorized ; '' and that " No adjustment will be made to your account at this time. '' ( See Copy J, attached. ) That letter included a second sheet showing the disputed transactions : three {$900.00} transactions which added up to the {$2700.00} figure that is the disputed amount of this complaint. ( Copy K. ) But about two weeks later, on XX/XX/2020, I received another letter from Chase in which that decision was completely reversed, and which involved Chase imposing a {$2700.00} debit against my ( closed ) checking account, and saying that " You were involved with a scam which is something we don't have the recovery rights for, '' ( Copy M ) but never explained the contradiction of their previous letter. And now, Chase is imposing a monthly checking account fee against my closed account! I can't go after XXXX XXXX, who is likely responsible for what occurred, because I don't have the resources to pursue an investigation and debt collection from an overseas company. Since Chase lost the money due to a security failure of their system, and, I had nothing to do with that breach or the hacking which caused a loss against two Chase accountholders, I believe Chase Bank should be the ones to open a thorough investigation into precisely who did what, and how it was done, and then pursue collection action against the party that executed the hacking, and benefitted from it.
Product: Mortgage

I had sold my home and paid off the remaining balance on my mortgage. I am due {$640.00} for my escrow refund, it has been over two months and I have not received anything. I have contacted BBVA Compass to inform them and they claimed the check was sent, but again, it was never received. I requested for them to cancel the check and send a new one. They asked for me to fill out a cancelation form and return it before they would send another check. I did as they asked and it has been over two weeks, but I still have not received anything. When I call and ask for an updated on the status of my return, they simply transfer me back and fourth to different departments and never give me any actual answers. I requested to speak with a manager but they told me that there was not any available. I do not know how to proceed from here.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have repeatedly asked the credit bureau to verify information on a report. they have refused to verify the information provided by XXXX XXXX XXXX. They have listed the item of verified and refused to say how they verified. I have talked to the original vendor and even they agree the information is not correct. they have failed to follow the rules and verify the account. I have even hired a law firm to send them letters and they have not responded.
Product: Credit card or prepaid card

Several weeks ago I added an AMEX merchant offer to my American Express Gold Card whereby I could purchase a new XXXX XXXX XXXX membership for {$45.00} and receive a {$25.00} statement credit. On XX/XX/XXXX I did so. Unlikely usually with AMEX offers, I did not receive a confirmation email of the offer being used/triggering and in the few weeks since have not received an indication I would be receiving said {$25.00} statement credit back. While AMEX 's terms say they can take quite some time to provide the credit nonetheless usually AMEX is quick with such credit provision. I online chatted with an AMEX representative to clarify on why it was taking so long to receive my credit, or any indication that it was eligible, and the AMEX representative said that the XXXX XXXX XXXX purchase was not eligible. 

However, based on the terms of the purchase, I followed the AMEX offer exactly down to the letter. I have not been a XXXX XXXX XXXX member in anytime in recent memory, the purchase was for a regular new club membership and not a plus membership, the purchase was online through XXXX, the purchase was not combined with any other offers, and it was for {$45.00}. There is no legal reason why I am not deserving of/entitled to the {$25.00} credit, as I very likely would have not purchased such a {$45.00} membership without AMEX inducing me on the promise of a {$25.00} credit and I followed the offer terms exactly.

I am concerned that AMEX has seemingly improperly coded the purchase, making it so many others may also not be receiving their credit ( if anyone at all ), and their inability to look at the case beyond the coding such as looking at receipts or appeal to a manager/supervisor. Either AMEX has made mistakes with their coding for this offer or is engaging in unfair/deceptive/abusive acts or practices by inducing people to purchase a new XXXX XXXX XXXX membership and not giving them their credit that they are entitled to receive based upon following the terms and conditions exactly.
Product: Credit reporting

I have disputed a XXXX XXXX credit card a few times with all XXXX credit bureau and all XXXX claim XXXX XXXX says the account is mine. When I call XXXX XXXX, they tell me that they have no record of any account with my social security number. They tell me that I should dispute the item on my reports, which of course, I have. I do not know what to do.
Product: Credit card or prepaid card

I have a general purpose XXXX through Comenity bank. They have always had a strange cut off time, XXXX ET, which is XXXX hours earlier than other cards. But it was clearly stated, so I never questioned it. When I went to make my XXXX payment at XXXX XXXX on XXXX XXXX due dateI was confused that my payment was late and could not be processed until the next day. I paid my statement balance in full anyway. I, then, called multiple times to figure out the discrepancy. I was told that at the end of XXXX notices were sent out that the cut off time was rolled back to XXXX ET. They have my correct address, but I cant recall receiving my anything in the mail from them in recent memory. There is one notice if you log onto their payment page. I went through my email. I have dozens of email adverts and account notices from multiple accounts under Comenitybut not one specifically notifying the change in cut off. I was told that it was my fault for not being aware of their new cut off time and all late fees and interest would be assessed.
Product: Debt collection

On XXXXXXXX XXXX XXXX  I responded to a collection notice from Blitt and Gains, P.C. Attornet for plaintiff XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX ( XXXX ) XXXX ( XXXX ) XXXX F plaintiff being XXXX on my credit report on a account I dont remember opening. I requested a Debt Validation in an attempt to recieve some more information on the debt owed. I emailed the letter and never recieved a response. I was then notified by a member of my family that a summons claim was in there mail box. At this time i wasnt given any proper notice and was sued without being given any proper response of the debt validation. 
Below I have attached evidence.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed complaint XXXX on XX/XX/2021 ( XXXX months ago!! ) against Bank of America, but have not received any response. The following account is a fraud account that I have never opened or used : Bank of America account XXXX Please investigate and delete it.
Product: Checking or savings account

Stolen Check - Blatant Forgery Background I have a checking account with TD XXXX, now part of XXXX. Technically, the account is a brokerage account with checking services. TD XXXX offers these checking services in coordination with TD Bank. While I do not have an account at TD Bank, they seem to be the responsible party as they are the consumer bank where the check was cashed. 

Theft I mailed a check for rent in XX/XX/ in the amount {$2300.00} by putting a stamped envelope into a USPS blue box in XXXX XXXX XXXX at approximately XXXX XXXX and XXXX XXXX. I learned in midXXXX that the check was drawn against my account, but every line had been whited-out and written over in someone else 's handwriting, including a different name, different signature, and re-written amount, though the amount was also {$2300.00}. I filed a police report with XXXX Police Dept and opened a case at TD XXXX. It took a long time for the police to send a copy of the report, because they required me to submit a FOIL request, but I eventually did receive the report and submitted it to TD XXXX. 

Unresolved After multiple follow-ups with TD XXXX, they have told me verbally several times that they will not re-open the case, even though their representatives have told me they agree the check was clearly forged. They said it is actually TD Bank 's problem to solve. I spoke to TD Bank, and they disagree. Both sides have denied the claim even though their representatives tell me they sympathize and agree this was a forgery. ( In fact, they actually told me to contact their regulator! ) I am caught in the middle and would like to bring both parties together to explain who is responsible and then have one of them refund my check. 

Thank you very much, XXXX XXXX XXXX XXXX
Product: Student loan

My student loan servicer, Aidvantage, is not properly counting my years of student loan payment and has incorrectly extended my student loan forgiveness date from 25 years ( XX/XX/XXXX ) to nearly 27 years ( XX/XX/XXXX ) when I am eligible for discharge/complete loan forgiveness this year, in XXXX of XXXX. I completed my last professional degree in XXXX of XXXX. My loans went into repayment on XX/XX/XXXX. As of XX/XX/XXXX, I've been in repayment on my student loan for 24 years and 10 months. I've paid down more than XXXX percent of the loan over this period. 

Apparently, Aidvantage is still excluding the COVID-19 forbearance period and possibly other qualifyin

g periods towards my loan even though I qualify. Aidvantage should be treating the months that my loan was in forbearance during the COVID-19 pandemic as if I made qualifying payments. They are not doing this.

Currently, I'm on the Income Contingent Repayment ( ICR ) plan, one of several Income-Driven Repayment ( IDR ) plans. For nearly 25 years, I've taken out a second mortgage to pay off the majority of my student loans, consolidated the loans, and transferred to different payment plans to take advantage of forgiveness options. Now, I'm at the finish line next month, Aidvantage is trying to extend my loan which I've significantly paid down into two more years -- to XXXX, which is far beyond its forgiveness date of XX/XX/XXXX. This is particularly concerning with current legal actions impacting student loans and the possibility of more extreme measures in the coming months, such as executive, judicial, and legislative actions to repeal these student loan forgiveness programs. Timely application of payment counts is extremely important.

I want Aidvantage to promptly add the proper payment counts, including the COVID-19 forbearance counts, to my student loan which I've been paying on for 24 years and 10 months and set my loan forgiveness date to the proper date, XX/XX/XXXX or earlier.
Product: Mortgage

I have a home loan with Union bank. They contacted me for a refinance. My current rate is a XXXX. They offered a rate of XXXX. I filled out the paperwork. Most of this was online since COVID was going. Ive retired since I acquired the first loan and my income isnt as much as when I was working. They told me I didnt qualify, asked if someone could co-sign. I told them my son, but he doesnt make much money. We sent his info. The loan officer called and said everything looks good. He said I needed to show 6 months of reserve payments and pay a {$500.00} loan processing fee. I did both. About 3 weeks later I get a little letter in the mail, saying we didnt qualify and no loan. I called the loan officer and asked where my {$500.00} was He said it was non refundable. No one told me that and on the receipt it doesnt say that I asked to speak to his manager, was told he would call me later Never received a call back
Product: Debt collection

I was not served properly. when I got home on around XX/XX/XXXX my neighbor handed me two summons that she said were given to her by an un known person. I was not home so they gave them to her. I am never home at the same time as my neighbor he waited until he saw me. when I saw what it was it turned out to be a law suit. but by the time I got them it was long past the time I could show up to court. 
I don't think this is right. I am pretty sure that I would have had to be personally served and I was not. one of the summons was dated XX/XX/19 and the other XX/XX/XXXX I looked up both of the summons on line at the XXXX court house and both say that i was personally served. and that is not true. i was never served and when i got the paperwork it was long past the time i could show up to court. 
this is not fair business practice.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Re : Security Freeze Request Dear Sir/Madam, I, 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 submit this affidavit to request a security freeze on my credit report. Pursuant to my rights under applicable federal and state laws, including but not limited to the Fair Credit Reporting Act and any other relevant regulations, I hereby formally request that a Security Freeze be placed on my credit file immediately. 
Affidavit : Applicant Identification : Full Name 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  Security Freeze Request : I request that a security freeze be placed on my credit report to prevent unauthorized third-party access, except for those legally authorized or with my explicit consent. 
This freeze should remain in place until I personally request its removal in writing, in compliance with applicable legal requirements. 
Attached Documentation : I have attached the following documents to verify my identity and process my request : A copy of my drivers license or government-issued ID. 
A copy of a recent utility bill or bank statement confirming my current address. 
A copy of my Social Security Number. 
Affirmation : I declare under penalty of perjury that the information provided in this affidavit is true and correct to the best of my knowledge. This request is made in good faith to protect my credit information. 
Confirmation Request : I hereby request written confirmation of the receipt and implementation of this security freeze request. I appreciate your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX/XXXX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX/XXXX/2023
Product: Money transfer, virtual currency, or money service

I was enticed to participate in an online rating scheme for games through a company called XXXX. They asked me to complete 3 rating activities daily, each consisting of 40 ratings, where I simply had to assign a 1-5 star rating to each game. In return, I was supposed to receive a commission. To start, I had to deposit a minimum of {$100.00}, and if a game got stuck, I was required to pay the full amount displayed on the screen to resume. For example, when I was rating the 30th game, my account balance showed {$550.00}, and when the game froze, I was forced to pay the {$550.00} to complete the remaining ratings for that day. 

Initially, I found this appealing and ended up depositing over {$1600.00} to continue the ratings. However, I soon realized it was a scam. Within 12 hours, I reported the issue to XXXX XXXX, but they informed me that since it was a digital transaction, they couldn't assist. I immediately contacted my bank to stop the transaction and filed a fraud complaint the same day. 

Unfortunately, my fraud claim was declined, and the disputed amount is now in temporary credit reversal. I've submitted another complaint regarding this fraud, but I have yet to receive any favorable response from the bank. 
Even asking for multiple time for fraud support but did not get the right responses. They only share me the guidelines to avoid fraud. 

Please help. This is my hard-earned money. 

Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

These inquiries I didn't authorize. Please remove. 

Inquiry details XXXX XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing Consumer XXXX  XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX XXXX Inquiry from XX/XX/XXXX Automobile Dealers, New XXXX XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX XXXX  XXXX Inquiry from XX/XX/XXXX All Banks XXXX XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX XXXX Inquiry from XX/XX/XXXX Automobile Dealers, New XXXX XXXX XXXX Inquiry from XX/XX/XXXX All Banks XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX XXXX Inquiry from XX/XX/XXXX Automobile Dealers, New XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX  XXXX Inquiry from XX/XX/XXXX Automobile Dealers, New XXXX XXXX XXXX Inquiry from XX/XX/XXXX Automobile Dealers, New XXXX XXXX XXXX Inquiry from XX/XX/XXXX Automobile Dealers, New XXXX Inquiry from XX/XX/XXXX National Credit Card Cos. 
XXXX  XXXX XXXX Inquiry from XX/XX/XXXX Automobile Dealers, New XXXX  XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX, XXXX Inquiry from XX/XX/XXXX Personal Loans Cos. 
XXXX XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX  XXXX Auto Fi Inquiry from XX/XX/XXXX All Banks XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX All Banks XXXX XXXX Inquiry from XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX Inquiry from XX/XX/XXXX Credit Unions XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX  XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX   XXXX  XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX XXXX Inquiry from XX/XX/XXXX Automobile Dealers, New XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX  XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX XXXX  XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX XXXX Inquiry from XX/XX/XXXX Automobile Dealers, New XXXX Inquiry from XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XXXX XXXX Inquiry from XX/XX/XXXX Miscellaneous XXXX   XXXX XXXX  XXXX Inquiry from XX/XX/XXXX All Banks XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX Inquiry from XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX All Banks XXXX  XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX  Inquiry from XX/XX/XXXX Credit Unions XXXX XXXX XXXX Inquiry from XX/XX/XXXX Automobile Dealers, New XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX XXXX Inquiry from XX/XX/XXXX Automobile Dealers, XXXX XXXX XXXX XXXX XXXX from XX/XX/XXXX Automobile Dealers, XXXX XXXX XXXX Inquiry from XX/XX/XXXX Credit Unions
Product: Credit card or prepaid card

XXXX charges worth {$500.00} were made in California at XXXX grocery store using my CashApp card and I live in South Carolina. The transactions were made over the course of XXXX minutes of each other. I was in South Carolina when the charges were made and I had my phone and card on hand. I did not give anyone my personal information and didnt authorize for these charges to be made. I contacted cashapp minutes after the transactions were made. They were pending on my account when I contacted them. The transactions were complete until the following day and I was instructed to call CashApp back once the transactions were complete in order to file disputes for all 4 charges. The following day a charge to my card was attempted in Indiana, and I was still in South Carolina. CashApp denied my disputes to receive my funds back, but it is clearly fraud on my account. They wont allow me to talk to anyone who makes these decisions. I also contacted XXXX for assistance but havent received feedback.
Product: Credit reporting

I requested validation of collections/ negative accounts on my credit report and I received what looks like a bill/statement. They did not properly validated these accounts and I request removal of these accounts from my credit report. These accounts are still on my credit report.