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

In XXXX, I was reached by individuals, acting on the behalf of and/or through the Internet-platform XXXX he individuals contacted me, explained to me and made me believe that their platform and its operator are completely licensed and qualified to trade regulated financial products and to provide financial advices for the benefit of an unlimited number of individuals. Being extremely pushy and aggressive in their approach towards me and exploiting the lack of special knowledge and skills on my side, these persons persuaded me that they are completely legitimate, which influenced also my decision to invest substantial amounts on their platform. At a later stage, my research shows that there have been published numerous warnings against said platform that clear evidence that the platform XXXX does not have a license to trade regulated financial products such as they advertise on their site. Deceiving me and promising substantial and rapid return of my investment, the unlicensed financial broker demanded from me to initiate series of payments within short period of time. I was deceived that these payments are for funding my segregated financial investment account, but no part of these transactions was ever used for financial trades. In consideration of the beneficiaries and the lack of financial brokerage license of XXXX it is impossible that the unlicensed brokers maintained segregated financial investment accounts of their clients. Therefore, we assume that all payments were laundered by the Merchant and I was put in deceit that I can really place trades and participate on regulated financial markets. For a certain period of time after an imaginary investment account, I had access to my account with XXXX After a while, my personal profile was closed without my consent, and all my attempts to get my funds back into my " investment '' account were unsuccessful. As a result of the interaction with the aggressive Merchant, I lost USD XXXX ( XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX ) paid in multiple transactions. The payments were initiated through my account with U.S. BANK. U.S. BANK never warned me about potential risks associated with those payments. I have tried to resolve the issue with U.S. BANK. On XXXX, a Letter of Demand claiming compensation was sent to the bank. As of today, the bank has not offered a compensation for the losses I have suffered. In the meantime, a complaint was filled to the XXXX XXXX  XXXX on XXXX.
Product: Credit reporting or other personal consumer reports

I am writing this to you so you may help me stop the items from showing up on my credit reports. Other XXXX XXXX dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX XXXX BANK XXXX Balance {$1200.00} Open Date XX/XX/XXXX XXXX XXXX XXXX Balance {$290.00} Open Date XX/XX/XXXX U XXXX XXXX XXXX XXXX XXXX {$6700.00} Open Date XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance {$4700.00} Open Date XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Balance {$3800.00} Open Date XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Balance {$3700.00} Open Date XX/XX/XXXX SOURCE RECEIVABLES MNG Balance {$2900.00} Open Date XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  Balance {$2300.00} Open Date XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Balance {$1100.00} Open Date XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance {$620.00} Open Date XX/XX/XXXX 2019
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Debt collection

XXXX, a medical equipment company, improperly submitted a claim to our insurance company. I contacted the company, after speaking with our health insurance, and asked that the claim be resubmitted. We did not receive a second statement and the debt ( XXXX ) was submitted to AARGON, a collection agency. We have filed a formal grievance through the insurance company but XXXX refused to resubmit the claim using proper medical coding and refused to assist either my husband ( the patient ) or myself with the claim. The first telephone contact with XXXX was made in XX/XX/XXXX after we received the insurance explanation. My husband, myself, and our insurance company all attempted to speak with their company without success. We received a notice of collection dated XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. 

XXXX XXXX XXXX Inquiry : XX/XX/2021 XXXX XXXX Inquiry : XX/XX/2021
Product: Credit reporting or other personal consumer reports

Despite my persistent efforts, this agency has failed to properly investigate and correct this error. The inaccurate information has had a significant adverse impact on my creditworthiness, leading to negative consequences, such as being denied credit, facing higher interest rates, and unable to secure housing due to this negligence. This matter has been brought to this company 's attention over the past several months. I have sent in over XXXX different letters starting from XX/XX/XXXX up until the present day making this company aware of this inaccurate reporting. I read somewhere that I am entitled to a fair and accurate credit report. Now, I am no lawyer but I have done a little research, and it appears that based on the Fair and Accurate Transactions Act that violations are done when organizations fail to comply with its requirements. In fact, based on what I read, section XXXX explains that violations tend to occur after a consumer bring the inaccuracy to the agency, such as XXXX, Equifax, and XXXX attention but they fail to correct the inaccuracies after receiving a dispute from the actual consumer. Well, this matter has been brought to XXXX attention on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and just recently XX/XX/XXXX Now, once again, I am definitely no lawyer, but I do have common sense. I have sent this agency letter after letter making them aware of this inaccurate reporting. None of the bureaus have the same information. So, how can information be accurate if the same account that is being reported is being reported with different information. Once bureau is reporting an open account while the other is reporting a close account. One bureau is reporting a 120 days late while the other bureau is reporting a collection/charge off for the same account. Does this sound like accurate reporting to you? I am requesting that the following accounts are deleted immediately due to inaccurate reporting and due to the violations that the credit bureaus has participated in by neglecting to correct the information. 

XXXX XXXX XXXX OF XXXX XXXX XXXX XXXX
Product: Debt collection

I was contacted by XXXX XXXX regarding an alleged debt owed. This is hearsay as XXXX XXXX has no firsthand knowledge or bore witness to any of my Consumer Credit Transactions. Be it known, that I hereby dispute the validity of said debt in question. In accordance with the Federal Fair Debt Collection Practices Act, 15 USC 1692, XXXX XXXX and Henley, Lotterhos, & Henley, PLLC have been notified to CEASE AND DESIST any and all further attempts to collect this alleged debt. I will work directly with the alleged original creditor to resolve this matter, as warranted. Please take note that I am declining any attempts by or any other collection agency with regards to this matter. In addition, Henley, Lotterhos, & Henley, PLLC are hereby requested to inform and / or remove from any reporting agencies this alleged debt that is currently in dispute. I will require documentation that you have complied with this request. As mentioned in the beginning of my notice XXXX XXXX and Henley, Lotterhos, & Henley, PLLC alleging that I owe any debt is hearsay and borderline defamation of character because they do not have firsthand knowledge of or bore witness to any of my Consumer Credit Transactions because I have no account with them, nor am I their customer, nor have I ever entered into a legally binding contractual agreement XXXX  XXXX and Henley, Lotterhos, & Henley, PLLC. I request the following information that I entitled under Title 15 USC 1692 ( The Fair Debt Collection Practices Act ). 1. ) Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. ) What is your authorization of law for your collection of information? 3. ) What is your authorization of law for your collection of this alleged debt? 4. ) Please evidence your authorization to do business in my state. 5. ) Please evidence proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature. 6. ) Please show proof to establish balances, payments, interest rate disclosures, etc. as alleged in initial correspondence.
Product: Credit reporting, credit repair services, or other personal consumer reports

Around XX/XX/XXXX, XXXX-currently, I contacted Consumer Portfolio Services ( CPS ) by phone regarding my situation due to Covid-19. I explained my current financial situation with my hours being cut and experiencing a furlough. This information was explained in its entirety to an upper level manager, who refused to empathize with my situation and provided no resolve for the issue being discussed. I further explored options to notify and file a complaint with the XXXX regarding this incident, the complaint is still active on the XXXX website with no resolve. After a few weeks, I received notification on my credit report regarding the account with CPS and the late/delinquent payment, which continues to affect my personal credit score. I filed a complaint with the credit reporting agencies and this situation is still causing a negative impact on my credit.
Product: Mortgage

Ocwen became our mortgage servicer immediately upon our purchase of a 2nd home 11 months ago. 1st we were told to wait 6 months and then send a written request for an Escrow Acct Waiver. We sent our written request after 11 months of on-time payments. Our request was denied. 1st they said it had to be 12 months, then the escalation manager at  Ocwen said XXXX XXXX  's policy was 24 months. Well, I called XXXX XXXX and their escalation manager told me that the " time needed to have an escrow acct was entirely up to the servicer ''. We have no other debt, we have made all of our payments on-time for 11 months, our value-to-loan ratio is very low ( about 25 % loan ), we both have excellent FICO scores, and our 1st home is  mortgage free. 

What is Ocwen 's problem - is it that they want to hold our money interest-free for another year? or is it that they have no idea what they are doing?
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act the following company has violated my rights : XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C. 1681 Section 604 A states I have the right to privacy. 
15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This has been hurting me as I am in the process of buying a home for my family. Please remove this account from my credit report i sent already 1099-C
Product: Credit reporting or other personal consumer reports

Today XX/XX/XXXX I reached out to Experian Credit Reporting Agency to try and get inaccurate addresses, names, phone numbers, and even employment information removed from my report. First let me say how frustrating it was trying to use the automated service to try and get a hold of a customer service representative. All the automated menu allows you to do is to freeze/unfreeze or request your credit report. It AT NO POINT gives you a prompt to request to speak to an agent. To be honest I'm not quite sure how I was able to get one on the line after 20 minutes. I previously sent them a letter in XX/XX/XXXX requesting they do the same which went unanswered. 
When I finally did get someone on the line she refused to remove certain addresses because according to her other companies were reporting inaccurate addresses as my address on file. That is a violation of 15 USC 6801. This code states " It is the policy of Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers ' nonpublic personal information. Moreover, they have a mandate to " insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. Furthermore, the Privacy Act of 1974 permits individuals to gain access to their records which are maintained in a system of records and to seek amendment of any incorrect or incomplete information contained in those records. ( 5 U.S.C. 522a, Public Law 93-579 ) In addition EXEPERIAN, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX never offered an annual opt out notice as is required by CFR 313.5. According to CFR 313.7 the notice provided should be " clear and conspicuous. ''
Product: Credit card

I had a XXXXXXXX XXXX XXXX XXXX XXXX card and I closed it out. I was advised that I would pay monthly until the balance is paid off. I tried to log into my account today and it said, " we can not log you in at this time ''. I want to ensure that this is 100 % paid off and that I receive proof of that. 

I did a legal name change and have proof. My name on the account was XXXX XXXX. My new legal name is XXXX XXXX XXXX XXXX I don't believe this was updated with them.
Product: Checking or savings account

I am disgusted with Chase Bank. My wife and I received an insurance check for {$5000.00}. She signed it over to me exactly as Chase requires. Several days after depositing, Chase closes out my account and after several calls I am told Chase will send the balance of my account to me in the form of a check, {$4500.00} remained in the account. 2 months later I still have not received my check and upon calling I am told my wife must come in to confirm she signed over the check. My wife went to XXXX separate Chase branches and both were no help. I am disgusted with Chase and will NEVER do any kind of business with them. At this point I feel that have stolen our money.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX is inaccurately reporting information on my credit report. I have never signed a contract with them agreeing to pay them any money owed. It is reporting as a collection account as of XX/XX/2020. The statute of limitations in South Carolina to collect on a debt is 3 years. The statute of limitations has thus expired. They are also report the collection as past due every month. A collection can not be reported as past due. Please have XXXX XXXX XXXX verify this debt and show indisputable proof that I owe them this debt. If they can not, please remove from my credit report immediately as this inaccurate information is having a negative impact on my credit profile as well as my credit score. I am currently trying to purchase a home for my family and this inaccurate reporting is hindering me from doing so. Thanks for your prompt attention to this matter. 

XXXX XXXX XXXX XXXX Date opened : XX/XX/202XXXX XXXX
Product: Checking or savings account

Discover financial services phone line is repeatedly inappropriate and rude with me and refuses to provide appropriate customer service. 

Unfortunately as an extension, they have projected their inappropriate behavior onto me and wrongfully blamed me for problems that they caused by mistreating me. 

Unfortunately, they have denied me phone access and restricted me to written communication only which is not accessible to me as I am severely autistic and severely dyslexic.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XXXX I sent a letter regarding inaccurate and unknown things on my credit report. My information was impacted by the equifax data breach and by another data breach were thieves stole my identity to file for unemployment benefits as well.I have yet to receive a response yet and i feel like I am being ignored of my disputes. section 611 ( a ) plainly states that a failure to investigate these items gives a reason to immediately remove from my credit profile. Also with identity theft issues law 605B ( a ) ( 6 ) ( 15 usc & 1681 c-2 ) which states that these accounts must be removed in 4 business days of receipt.I demand these items be deleted immediately or I will file for litigation due to the stress you have caused me.
Product: Credit reporting or other personal consumer reports

The last of companies below are continuously valley in my right under : hello yeah yeah yeah so I didnt. I didnt know that. ( 15 USC 1681a ( 2 ) ( a ) ( I ) and 15 USC1666, I never received a letter even saying I was about to even be late, or the I give them the to release my personal information : the companys are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Hello, i applied for paycheck protection program on XX/XX/2020 loan thru XXXX and XXXX XXXX. it got approved on XX/XX/2020 and deposited on XX/XX/2020. But they deposited it into the wrong account. It was supposed to go into the account that was on the loan documents. But XXXX and XXXX XXXX deposited it into another account that wasnt on the loan documents. Navy federal credit union has debited all of the ppp loan proceeds on XX/XX/2020 from my checking account that it was depositedinto. I called them on XX/XX/2020 and they wont reverse the debits. 

Can they do that? this is a federally protected program right? 

I told navy federal credit union that it was for a paycheck protection program loan and that it had to be used for the payroll. They didnt care at all about it. They said i owed them. I need help in getting this matter resolved. 

Attached you will find the loan docs. And a screenshot of proof of what i am saying
Product: Money transfer, virtual currency, or money service

I was scammed by a company called XXXX XXXX XXXX. They had me send them money for a XXXX puppy using XXXX which goes through JPMORGAN Chase bank for me. I sent an initial payment of {$500.00} on XX/XX/2022 and then a second payment of {$400.00} on XX/XX/2022 using XXXX. I found out it was as a scam on XX/XX/2022 when they tried to get another company to scam me called XXXX XXXX about an XXXX dog crate. I asked the gentlemen XXXX XXXX for a refund since I couldnt pay for the shipping. He eventually stopped responding. I reached out to JPMORGAN Chase bank and they said because it was XXXX they couldnt help me. The gentleman on the phone even after I cried for a few minutes repeated himself to make sure I heard him that there was nothing he could do and next time use XXXX or my debit card. He said they could not refund XXXX payments.
Product: Credit reporting or other personal consumer reports

My report was given to a company without any knowledge by me
Product: Credit card or prepaid card

I received a deceptive letter and credit-card offer from Capital One. The promotion promises {$200.00} cash back just for signing up and other attractive terms. The letter includes a " reservation number '' and " access code '' to create the ( apparently false ) impression that the card is pre approved. 

I opened their website and then was prompted to disclose to them a lot of personal data -- my social security number, address, phone, income, monthly rent. I then applied and was immediately rejected. My credit score is in the high 700s if not XXXX, I earn well over $ XXXX/year, I have no debts and relatively low monthly expenses. 

All in all, it's pretty clear that this offer was first and foremost a scheme to harvest consumer data.
Product: Credit card

I had a credit card with Washington Mutual Bank which was bought out by Chase Bank who then reissued the card with the Chase Bank Logo on it. In XXXX my husband became unemployed for 6 months and we had no income whatsoever. Chase bank refused to work with me and marked my account as a charge off. At that time there was a balance of approximately {$2000.00}. At current this debt shows on my credit reports with a balance of {$3500.00}. I would like to file damages under File No. XXXX In the Matter of : CHASE BANK, USA N.A. andCHASE BANKCARD SERVICES, INCFurther I would like to have this item removed from reporting on mine and my husbands credit bureau reports.
Product: Credit reporting or other personal consumer reports

A company engaged in false advertising by promoting its credit card application process as involving only a " soft pull, '' claiming there would be no impact on the applicant 's credit score. However, upon applying, consumers discovered that the company performed a hard inquiry on Equifax and XXXX instead, which negatively affected their credit scores. This deceptive practice misled potential applicants into believing they could explore their eligibility risk-free, only to face unexpected consequences. The company 's misleading claims not only breached consumer trust but also potentially violated fair advertising and credit reporting regulations, leaving me frustrated and dissatisfied. Please see attached a screen shot of the advertisement on XXXX