23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

This website actively discriminates against artists of color from utilizing their website. When asked why my application was denied, they refused to provide a reason. Under Title VII of the Civil Rights Act of 1964, no business is allowed to turn away a customer based on their status as a member of one of these protected classes. 

As a customer of their platform, I have to be given a reason why my application to sell art was denied.
Product: Mortgage

Hazard insurance premium paid from my escrow account has not been received by insurance company. 
Servicer refuses to release detail information such as copy of check paid to insurance or to refund funds back to my account.
Product: Debt collection

I AM WRITING TO DELETE THE FOLLOWING INFORMATION XXXX MY FILE. THE ITEMS I NEED DELETED ARE LISTED IN THE REPORT. 
I AM A VICTIM OF IDENTITY THEFT AND DID NOT MAKE THE CHARGE. I ASK THAT THE ITEMS BE DELETED TO CORRECT MY CREDIT REPORT. 
I REPORTED THE THEFT OF MY IDENTITY TO THE XXXX XXXX XXXX IDENTITY THEFT XXXX. PLEASE DELETE THE ITEMS AS SOON AS POSSIBLE.
Product: Student loan

Edfinancial has not provided confirms or updates or when my requested refunds will process. I made payments during the COVID pause and provided payments and their dates for refunds and have not been provided with any further information or outreach.
Product: Checking or savings account

At Santander bank I have been a customer for many years and have kept a six figure balance always ( a few times reaching seven figures ). I had sometimes been classified as a private client ( and now am again. ) My Santander accounts were hacked and all of my accounts including credit cards had to be closed and reopened. This was disruptive in that scheduled bills like electricity bounced. More critically i was unable to access online banking for eight months so I did not know the balances and interest rates paid and earned. I assumed that a Money Market Savings account would pay interest rates somehow linked to t bill or federal funds rates. Periodically I would ask bank tellers what current rates on money market accounts werestupidly assuming that those rates applied to me. In fact Santander was paying 0.15 % which I discovered once I was able to again access online banking. Since then I have earned more market like rates but find that I must ask again every few months or yields drop from the promotional rate to a few basis points.
Product: Mortgage

We sold our property XXXX XXXX XXXX, XXXX KY XXXX with the closing on XX/XX/XXXX. The Title company sent the payoff amount to TCF Bank and the check was cashed by TCF Bank on XX/XX/XXXX, however, the funds have never been credited to our account. I called customer service on XX/XX/XXXX and was told that they had no record of the payment but this could just be because for such large amounts, it is common to place a 5-7 day hold on funds and I was given an email : XXXX to follow up in case the issue was not resolved. I used the secure messaging option in the TCF app to initiate an inquiry on XX/XX/XXXX and included the check number, amount and my loan number but again no resolution was forthcoming. I then sent a detailed demand notice on XX/XX/XXXX to XXXX as instructed earlier and included my account number : Loan XXXX, property address, and amount of the check : {$120000.00}. 
Additionally, I attached a copy of the file check from the title company forwarded to my by the title agent : XXXX XXXX XXXX I asked for a clear resolution and response to the matter by XX/XX/XXXX. On XX/XX/XXXX, another loan payment was deducted from my bank account towards the loan and I received no further response. I followed up with a second email to TCF loan servicing on XX/XX/XXXX, noting that instead of closing the loan and refunding the overpayment I was continuing to have regular payments withdrawn. I also included an actual copy of the check that was cashed by TCF Bank on XX/XX/XXXX providing them with more than ample paper trail to appropriately credit the payment to my account and close the loan plus refund my overpayments. Unfortunately, we have had no response or demonstration of concern or customer service. I am asking for your assistance to appropriately credit the amounts paid to close this loan and refund the overpayments in a prompt fashion. I am very disappointed with the lack of customer service from TCF Bank as well.
Product: Credit reporting or other personal consumer reports

I receive a letter XX/XX/2017 stating my information was breached stating In XXXX of XXXX, Equifax announced it experienced a data breach, which impacted the personal information of approximately XXXX XXXX people. Equifax has reached a proposed settlement to resolve class action lawsuits brought by consumers alleging Equifax failed to adequately protect their personal information. 
Equifax denies any wrongdoing, and no judgment or finding of wrongdoing has been made. I would like all negative information to be remove and compensated for their wrongful unlawful actions.
Product: Mortgage

I had a mortgage on property in moundhouse Nevada the mortgage was sold to M & T bank, XXXX XXXX XXXX XXXX Maryland from XXXX XXXX XXXX number XXXX On XXXX XXXX th I called and asked for a payoff total on this loan, I was told the amount was {$72000.00} I then wired this amount on the same day from my bank. They told my Daughter several days later that they would not post this payment until XXXX and We owed another {$350.00}, I sent the money, is this legal they would not post the transfer money until they could charge another months interest. Thanks for your help..XXXXXXXXXXXX
Product: Credit card or prepaid card

During the month of XXXX 2019, I lost my credit card and fraudulent charges were on my account for my Chase Amazon Visa ending in XXXX adding up to {$4000.00}. I contacted Chase Amazon Visa and notified them of the charges. There was a fraud case started and they applied a temporary credit to my account. In XX/XX/2019 they reversed the charges back to me. I contacted Chase and was told that they had multiple evidence that the charges were made by myself. Since I knew that was FALSE I asked them to provide me the so-called evidence. I was provided with screenshots of the orders going through which only shows the purchase and email, address, and phone number which, is NOT enough evidence in today 's technology world. The email on the order is not my email, the phone number is not my phone number or any other connection to myself. I made a police report within the city I reside in and I provided Chase Amazon Visa the police report and I asked them to re-open the case since they had false information of the order being placed by myself. I was provided a letter after and said they found no evidence of fraudulent charges and I would be responsible for the charges. When asking what they are basing their decision on and to provide me in writing of their conclusion, I was told they can not do that. As a consumer, I am entitled to know what I am paying for and why also, why I am responsible for an email and phone number that is not mine. I am contesting their decision and charges placed during XXXX 2019. I would like the Consumer Financial Protection Bureau to evaluate this situation and help since my rights have not been exercised from Chase Amazon Visa ending in XXXX. 

Thank you, XXXX XXXX
Product: Vehicle loan or lease

The creditor is unwilling to try to work with you on late payments. They always threaten repossession as the first line of action. Give ridiculous deadlines and threats and very unprofessional. Call your references and family members right away harassing them if you are late. Very degrading and unprofessional in their actions. A family member offered to help pay my payment but was told that they would not wait until XXXX XXXX it had to be XXXX XXXX the same day or else. Would not come to a workable solution at all. Go with their motive or nothing. Payment is late but not even close to 30 days. Again they were going to receive full payment XXXX XXXX by XXXX XXXX only 15 hours from their request and they were rude and said forget it they did not want the payment. Spoke to XXXX XXXX who was rude threatening and arrogant. His number is XXXX. XXXX XXXX XXXX should not have account managers working for them who treat people like they are loan sharks. Horrible people.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate and/or unverifiable information that remains on my credit report despite previous disputes. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681s-2, data furnishers are required to conduct a proper investigation and report only accurate and verifiable information.

After multiple requests, companies below has failed to provide documentation validating the accuracy and legitimacy of the disputed account ( s ). As a result, their continued reporting constitutes negligent non-compliance with the FCRA.

The following account ( s ) remain inaccurately listed on my credit report : Account Name : Credit System XXXX XXXX XXXX XXXX XXXX Dispute Reason : incorrect information / no knowledge of these accounts Request for Immediate Action 1. Remove the inaccurate information immediately. If the furnisher can not verify the accuracy, the account must be deleted from my report.

2. Provide me with a copy of the documentation used to verify the accuracy of the reported information.

3. Notify me in writing within 30 days with the results of your investigation, as required under the FCRA.

Failure to comply with this request may result in legal action, as the continued reporting of inaccurate or unverifiable information violates federal law. I expect prompt attention to this matter and appreciate your cooperation.
Product: Money transfer, virtual currency, or money service

So I went to a arm to withdraw money from my saving account on XXXX XX/XX/year> I tried to withdraw XXXX dollars from XXXX from my savings and I never received the money and so I sent the bank the complaint back that I got from XXXX and they still said they couldnt give me my money back because I had received it even though I came through yall they still didnt give me my money back also they overdraft often from my account
Product: Payday loan, title loan, or personal loan

XXXX XXXX contacted me about a loan I didnt apply for, then after a year mandarich law group started contacting me.
Product: Credit reporting, credit repair services, or other personal consumer reports

omeone used a XXXX 's credit card that I applied for but never got it. Someone else got it and used it. They also tracked my SSN and my email address. I received alerts from the XXXX XXXX saying that my password was exposed. 

XXXX XXXX XXXX Compromised Email Address XXXX XXXX XXXX, XXXX  Credit Alert Delinquent AccounXXXX XXXX XXXX XXXX XXXX from XXXX Credit Alert Delinquent Account XXXX XXXX. 

XXXX XXXX XXXX from TransUnion XXXX XXXX XXXX  Compromised Email Address XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I paid my full balance to XXXX XXXX XXXX XXXX XX/XX/2020. In XXXX 2020 I have been getting calls from a 'debt collector ' William and Fudge saying I owe {$340.00}. XX/XX/2020 XXXX XXXX informed me I owed {$1000.00}, I wrote a check for the total, exactly what XXXX XXXX informed me. There were no warnings from the school before or after that they would send anything to collections. Seems like a scam.
Product: Credit card

At the beginning of XX/XX/2023, I called CHASE to remove the authorized users in My CHASE VISA XXXX since it has a very high debt balance. In that call the Customer Service Representative removed most of them except for XXXX XXXXXXXX and told me that I will need to talk to another department to remove XXXX XXXXXXXX. So, I told him I will call in another time. On XX/XX/2023 around XXXX, I called CHASE to remove XXXX XXXX and The Customer Service Representative 's who answered me at that time told me that they will not be able to remove XXXX XXXX from my account because she is a " Primary Card Holder '', so I ask her to transfer me to a Supervisor. The Supervisor XXXX took my call and I explained to her that when I applied for that Credit Card, I was by myself. After a couple of years I ask to add XXXX XXXX XXXXXXXX as an Authorized User but never as a Primary Card Holder. I told her that CHASE made a mistake adding XXXX XXXXXXXX as a " Primary Card Holder '' instead of a " Authorized User '' and they need to fix it. She told me that she can not do anything about it. I asked her to send me the documents where I authorized XXXX XXXXXXXX as a Primary Card Holder or as an Authorized User in my account and XXXX answered me that she couldn't do that. I Ask her to talk to her XXXX because even she was a XXXX, she must have someone over her position and she just answered me that there is nothing she could do about it and that she will hang up. And XXXX just hang up on me.
Product: Payday loan, title loan, or personal loan

My auto loan is showing that my payments we're late and they wasn't.
Product: Credit reporting

In 2010 I was notified by the IRS that someone had filed a fraudulent tax return in my name and received a refund. A police report was filed with the XXXX XXXX Police Department. As a result of this unknown/fraudulent tax liens were placed in my name as well as a BK and other accounts. Equifax removed the information once I supplied them with my police report and other pertinent documentation, however they re- inserted the fraudulent accounts back to my credit write while I was in the middle of applying for a loan. 
I have tried to reach out to them for the past 6 months and the accounts remain on my credit. Once again the fraudulent accounts were removed and re-inserted with out notice!!! The accounts were not MANUFACTORED BY ME!! 
The following accounts were re- inserted to my credit and I would like for them to be re- deleted!! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Lien XXXX Lien XXXX
Product: Credit card

I made a purchase of {$990.00} on XXXX XXXX, 2015 using my Discover it card with XXXX. Discover was running a promotion offering 10 % cash back on purchases made using XXXX. Discover has not paid the 10 % cash back that was promised.
Product: Mortgage

I have had a medical hardship that has cost me my career on XX/XX/2005z I contacted Freedom Mortgage & they sent a hardship packet. 
The 1st representative said I only needed to worry about the first few pages. I faxed the pages back to Freedom Mortgage & they said that they did not receive them on time & I would have to start the process over again. 
Freedom Mortgage remailed the packet & I filled it out & faxed it again. They responded that they did not receive the paperwork in full. I called them in XXXX & explained that our tax documents were destroyed in a fire. They said they would notate that to my account. I re-faxed the paperwork again, they denied it again, saying that I didnt have the included requested tax documents. I had already told them why and they said they would include that on my account, but they did not. 
At this time, I am moving forward with an attorney to represent me against Freedom Mortgage. 
I am XXXX, I have even offered to send them a copy of my medical diagnosis, they refused all of this. They have returned the paperwork or said that it was filled out in error, and it has been faxed back to them about five or six times at this point. They have left me with no choice but to contact an attorney so that I do not lose my home. 
Also, when I originally refinanced this house with Freedom Mortgage, they were supposed to pay off my credit card debt, and at the last minute they took my vehicle equity instead, and left me with the credit card debt. 
Freedom Mortgage is an evil company that needs to be shut down because they are taking advantage of people and giving them a higher interest rate while stealing their equity and then taking their houses.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act this creditor has violated my rights according to Act 15 U.S.C 1681 section 602 states I have the right to privacy. 15USC 1681 section 1604 A section 2 states a consumer reporting agency can not furnish an account without my written instructions.

Under 15 USC 1666 B a creditor may not treat a payment on a credit card account under any open consumer credit plan as late for any reason. 

Agents at TransUnion XXXX XXXX All have accounts that are open that are consider late. I have disputed several items and been lied to and told it can not be removed while they are breaking the law Late payments on XXXX  XXXX account number XXXX LATE PAYMENTS ON AN OPEN ACCOUNT Department of education XXXX LATE PAYMENTS ON AN OPEN ACCOUNT Ive been told that I can not remove inaccurate information including names address and phone numbers My Identifying information is not correct 1 name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Ky XXXX 1 phone number XXXX Inquiries could not be removed form Even though I let it be known that the inquiries were fraudulent The only inquiries I should have are only tied to open accounts
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. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights. 
Account name : XXXXXXXX XXXX XXXX XXXX XXXX Account number : XXXX, Account name : XXXX XXXX XXXX XXXX XXXX XXXX  Account number : XXXX, Account name : XXXX  XXXX XXXX XXXX Account number : XXXX, XXXX XXXX XXXX XXXX  XXXX Account number : XXXX, Account name : XXXX  Account number : XXXX, Account name : XXXX XXXX XXXX, Account name : XXXX XXXX XXXX, Account name : XXXX XXXX XXXX, Account Name : XXXX Account XXXX : XXXX, Account name : XXXX XXXX Account number : XXXX, & Account name : XXXX XXXX Account number : XXXX. 






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

XXXX XXXXXXXX XXXX had inaccurately reported XX/XX/year> as late and it has damaged my credit history and stopped me from getting approved for housing.. I asked them to send me proof that the information pursuant section 15 USC 1666b and 1637 ( b ) of this title was mailed out or delivered 21 days before the payment due date.

They have not given me the proof of the mailing or delivery of the information required by section 1666b, therefore violating section 15 USC 1681s-2. This account is in violation of 1681 eb because it is not accurately reporting Ans demand this late payment be updated to paid as agreed
Product: Credit reporting or other personal consumer reports

I am writing to dispute several inaccuracies on my credit report that have resulted from aggravated identity theft. The items in question include [ XXXX XXXX XXXX XXXXXXXX ] that I did not authorize and do not belong to me. 

Under 15 U.S.C. 1681c-2, I am requesting the immediate blocking of these fraudulent accounts. This section of the Fair Credit Reporting Act ( FCRA ) mandates the removal of any information resulting from identity theft upon the filing of an identity theft report.

I am concerned about the integrity of your agency in handling my personal information and adhering to the law. I expect full compliance with the FCRA, and I am apprehensive that my personal information might be mishandled or even sold.
Product: Mortgage

My mortgage company is charging me excessive escrow amount. I bought my property XXXX, XXXX. This was a new building. The taxes on the land only was XXXX per XXXX. In XXXX the property was assessed and the additional amount for the improvement was XXXX covering XXXX XXXX to XXXX XXXX an eleven month period. my total for XXXX was XXXX and my XXXX estimate is XXXX. Their escrow analysis shows my taxes as {$18000.00} which is wrong. They use the XXXX as taxes for XXXX and as added assessment for 11 months. I have been trying since XXXX to explain but and have my escrow at an accurate amount but they refuse to have an accurate amount. 
Thanks for your help in this matter. 
My Mortgage company is Ditech, XXXX XXXX TX. Tel. # XXXX
Product: Credit card or prepaid card

On XX/XX/2018 I rented a car from XXXX XXXX XXXX XXXX in XXXX XXXX SC. When my plane landed I had to wait almost 2 hours to get my car and by the time I received my car I had missed the event that I flew in for. With this being said when I returned from my trip and spoke to XXXX XXXX they stated that my credit card was only going to be charged XXXX total. XXXX XXXX even emailed me the new invoiced amount. When I received my credit card statement there was a charge on it for XXXX I called XXXX XXXX and they stated that they only charged me XXXX and if there was more then that the credit card company was at fault. I called the credit card company and opened a dispute. XXXX in the dispute department called and said that she received the information from XXXX XXXX and the charge would be removed from my credit card. I have email upon email from the car rental place stating that my total charge was only XXXX and nothing more. Well low and behold 2 1/2 months later the credit card company put this back on my credit card. I have been dealing with them and it is not getting resolved. I have talked to XXXX time and time and they stated that they only charged the XXXX and the bank is at fault. With this being put back on on statement now I am over my limit, and XXXX in charges that do not belong to me along with the interest charges. I do not know what else to do at this point. I have supplied them all the emails and documents from XXXX showing the bank is in the wrong. Please help me out with this.These charges do not belong on my credit card and this is actually effecting my credit score by showing that I am over the limit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account with XXXXXXXX XXXX  is already satisfied and paid