23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I went away last year from XXXX to XXXX my daughter said her and her babies father would stay here for the month I was away when I got home I couldnt believe what my house looked like they broke my oven, my sofa, and my over {$2000.00} bed I have 300 photos of everything they even pried open a 30 year old concrete safe they took all of my money it was thousands they took the tenant upstairs security money and they took a kids bank thst I save for their children for over 5 years it had to be over {$4000.00} I only put in there silver coins and bills finally he got a hold of my old cell phone and XXXX himself {$5000.00} and XXXX yo someone named XXXX {$2000.00} later the chase bank vice president helped me and told me the account owner od the XXXX XXXX XXXX XXXX I wrote a letter to the OCC also I cant believe after a year of sending tons of documents the lady says on the phone we believe you with the evidence you sent I but the problem is that the {$7000.00} is gone where do we get it from?? I said a huge corporation isnt insured for a lossy {$7000.00}?? They said no so this is why Im writing to your company trying to get help they besides stealing all my money also XXXX {$7000.00} to them self please help me because the police all I ever hear is we cant do anything about this this is UNBELIEVABLE I hope you can help me the notes I have said I was going to get free access to me via email but I have not received it yet PLEASE HELP ME THANK YOU
Product: Debt collection

In XX/XX/XXXX, Paragon Revenue Group sent a collection notice to my home address. Around that time, Paragon Revenue Group was leaving daily voicemails regarding the debt. 

Payment for the the debt described in the collection notice was remitted to the original creditor in XX/XX/XXXX. Per the debt notice, I sent a letter to Paragon Revenue Group stating that the debt was paid. I also included the following in the letter : " Be forewarned that this debt has been paid in full, and any attempt to falsify verification of the debt or obtain a judgment without proper evidence will be in violation of 807 of the Act, False or misleading representations, and therefore subject to, 813 of the Act, Civil liability. '' Approximately 10 days later, Paragon Revenue Group responded with a letter stating that they verified the debt by consulting their records and that the debt is still owed. 

This statement, if not read carefully, may be interpreted as their actually verifying the debt. It is misleading. I suspect they use the same language with other consumers who probably do not owe the debt but pay anyway because it sounds as Paragon Revenue Group actually verified the debt.
Product: Credit reporting or other personal consumer reports

The presence of these inquiries and accounts on my credit report violates 1002.142 ( b ) ( 4 ) - ( 5 ) and 1002.142 ( b ) ( 7 ) which goes against the XXXXDebt Bondage Final Rule. 

ACCOUNTS : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX LATE PAYMENTS : DPT EDXXXX XXXX DPT EDXXXX XXXX XX/XX/year> {$990.00} DPT EDXXXX XXXX DPT EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I am filing a complaint with CFPB Regarding Capital One failure to Deposit my direct deposit from employer and any other incoming deposits. Capital one has cited technical issues, which may violate the Electronic Funds Transfer Act ( EFTA ) as it requires timely access to funds. This situation raises concerns about customer. Protection laws. And I request Your assistance in investigating this matter to ensure my rights are upheld. Thank you!
Product: Credit card or prepaid card

An account was fraudulently opened in my name and has been causing a great deal of harm to my life ever since. This account has been misrepresenting my credit report for the last 3 years and has caused insurmountable losses physically, mentally, emotionally, and financially. I demand this account be removed immediately from my credit report as it violates my civil rights by showing misleading information to creditors.
Product: Debt collection

American Express called my mom about my account being delinquent. She told than I do not live there and tried to give them my phone number. They would not take it. They then tried to bully her into making a payment. She told them no and since they would not take my phone number she said she would call me and relay the message. Then she got a letter in the mail saying they took money out of her checking account. Her checking account information has never been associated with my credit card. This is totally my credit card I got an additional card with her name it for her to use as a supplemental card in case I needed her to. She has never used her card. They used her information that I gave them and looked to see if she had a card of her own which she does. She has had her own card for over 20 years. They then got her checking account information and took the money without her consent. They stole her money. They said they put  the money back in my checking account and when I asked them why they would do that then they came back and said they ain’t a check out to my mom already and that she should get it by the XXXX of this month. She kept saying do t worry. Well it is too late for that. My mom has had to borrow mo eu so she could pay her bills. They said they wanted $XXXX paid on the XXXX  of XXXX I paid $ XXXX and they still took that much out of her account and then they stole another $XXXX. That is not not right!
Product: Credit reporting, credit repair services, or other personal consumer reports

A certified letter was sent to ARS ACCOUNT RESOLUTION on XXXX ( United States XXXX XXXX display " delivered '' from a company representative on XXXX at XXXX am ; Tracking # XXXX XXXX XXXX XXXX XXXX ) displaying their Violations of Fair Credit Reporting Acts. ARS ACCOUNT RESOLUTION has ignored the complaint, failed to respond and failed to delete the company 's fraudulent reporting to XXXX, XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/19 In order to receive a copy of your personal credit report from Experian through their website, one is required to sign up for an account, which also supposedly supplies you with a monthly report ( whether you want that or not ). There is no clear option for a 1 time request of a report without signing up. When one signs up, one is  asked to accept terms of use, privacy policy and ad policies, which state that it gives Experian permission to share your information with others, including unaffiliated third parties. In the sign up information, it says that to opt out of this sharing you can contact customer service. It provides a phone number with operating hours and a mailing address. When one calls the customer service line, it is all automated and there is no automated option provided to opt of of sharing or marketing offers. There is not any way to reach a human being to discuss this issue or make this request no matter which prompts you choose. If you hit the end of the prompt flow and have not found what you need, it basically says goodbye and hangs up. This means that really the only real option a consumer has is to write a letter and send it to the mailing address provided. There is no indication of what specific information they need for one to opt out if one does write to them. Also, who knows how many they could have shared one 's information with by the time a letter gets to them? They say in the terms that once they've shared your information, there is no way to get it back. This is an incredibly misleading and deceptive practice to collect consumer data, tell them that they can call to opt out of sharing, and then not actually provide any way for the consumer to communicate this request when they use that contact information provided. At this point they have all my information and can basically share it with whomever they desire until I can figure out how to actually make them stop.
Product: Credit reporting, credit repair services, or other personal consumer reports

Reached out to these folks when i noticed this discrepancy on my credit report they have no record of it yet every single day i get notified from discover that their has been a negative change in my credit report, my information was comprised on XXXX i found out over the summer since then Ive had to dispute all of these fraudulent charges on my report including this loan of XXXX that i have never received please help as they have been damaging my credit report on a daily basis
Product: Credit card or prepaid card

I think that American Express is uncalled for and in the wrong for closing my accounts. My bank XXXX made an error with a stop payment for a different company that started with XXXX and they confirmed it was done in error. But American Express closed my accounts anyway even though I have made several payments and would never ever tell my bank to stop a payment to American Express which is an open card. On XX/XX/XXXX I never called American Express to do a stop payment for {$1000.00} and when I spoke to an Account Manager, XXXX XXXX, she said there was nothing to do be done. I think this is unfair and is very detrimental to my business.
Product: Mortgage

I filed bankruptcy and did not include my mortgage as I intended to keep it and have always paid on time. After I filed my BK but before it was discharged a law was changed stating that you must reaffirm your mortgage with your bank. I was never notified and my bank refuses to list my mortgage on my credit reports and it shows up as included in my BK. So my years of perfect payments do n't show up on my report. Chase bank has admitted that this fell into a grey area but says there 's nothing they can do about it. I want my mortgage to show up on my credit report because I notified them that I intended to keep it and make payments on time. They acknowledged that they never told me I needed to reaffirm and it was their fault and now they notify all the BK customers. Please help me get my mortgage back on my credit.
Product: Credit card

A transaction was made on my account on XX/XX/2024 by XXXX in the amount of {$2800.00}, that I did not authorize nor have I received or benefited from any goods or services in relation to this transaction. 

I disputed this transaction twice with my cc company and they have denied my dispute twice. Per below : Account Number Ending In : XXXX Claim ID : XXXX Dispute Type : Credit - Unauthorized Transaction Date Error Reported : XXXX Claim Amount : {$2800.00} Dear XXXX XXXX, Weve completed our investigation of your billing inquiry, and weve determined that no billing error occurred.

As part of our investigation, a review of our systems was performed in addition to information provided during the claim filing process. As applicable, we coordinate with other financial institutions, merchants, and networks as part of the claim review. 

The disputed amount, {$2800.00} will be included in the payment amount due on your next statement as of XXXX. 

We apologize for any inconvenience you may have experienced. If you have any additional questions or need further assistance, feel free to contact us at any time. 

Sincerely, Chime Disputes Team I believe Chime, XXXX, XXXX, has not acted in good faith to resolve my dispute nor has followed established banking regulations by issuing a chargeback for the above transaction, I did not authorize and again have not benefited or received any goods or services in relation to the transaction.
Product: Credit reporting

Chex Systems , Inc., is giving financial institutions secret reports and informing financial institutions not to open up a checking account for me due to me having previously reported fraudulent checking accounts from XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX listed on my consumer report and upon sending a police report and proper documentation, the fraudulent checking accounts was removed from my Chex System Consumer Report. But Chex Systems is secretly informing banks and financial institutions not to open up a checking account for me due to the previously fraudulent checking accounts listed on my consumer report, even though Chex Systems sent me a copy of my consumer report with no negative information reported on my consumer report and informed me, I should n't have a problem opening up a checking account. A few days ago, I went to XXXX XXXX and XXXX XXXX XXXX and was informed by representatives from both banks, that they could n't open up a checking account for me because because the inquiry they got from Chex Systems, informed them not to open up a checking account for me due to previously fraudulent checking accounts listed on and removed from my consumer report. Furthermore, Chex Systems is reporting my physical and mailing addresses as errors and non-existent.
Product: Checking or savings account

I tried to open an account at Chase in XXXX and had deposited over XXXX $ and was successfully opened. I then had received a phone call two days later saying they have to close my account. They had said the back office had closed it even after it being opened. They said it was suspected fraud due to previous account. I had a Chase Account probably in XXXX. I had received a check which later turned out to be a fake check. This was not my fault but not they are not letting me open an account due to something I did not do.
Product: Credit reporting or other personal consumer reports

I am writing to formally demand the immediate removal of all collection accounts listed under my name on my credit report. If these account is not removed, I will pursue legal action against your agency.

This demand is based on violations of the following laws : 15 USC 6802-05 : These laws protect consumer privacy and personal information. Your agency has not followed proper procedures in handling my data.

Privacy Act of 1974 : This Act guarantees my rights regarding the use and disclosure of my personal information, which your agency has violated by reporting this account without my consent.

16 CFR 433.32 and 16 CFR 433.3 : These regulations prohibit false and misleading representations in the debt collection process. I contend that your agency has failed to comply with these standards.

If this account is not removed from my credit report within 15 days of this letter, I will take legal action to enforce my rights under these laws, including seeking damages. 
Please provide written confirmation of the removal of this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Company continues to threaten me and this account has been reported inaccurately. This account has never been on credit report and my information was passed by company to company multiple times without my consent. I want this removed from all three credit bureaus immediately and for them to stop harassing me. I lost my job due to covid layoffs and have lost family members and this continues to add stress.
Product: Credit card

I applied for an American Express Gold Delta SkyMiles credit card on XXXX XXXX, 2014 and was given a confirmation online that confirmed a promotion of XXXX airmiles after I made {$1000.00} in purchases within 3 months. I made a transaction of {$1000.00} in the first month. I was told in XXXX 2014 that I did not qualify for the offer because I had a Delta card previously. This was not mentioned in the offer when I applied. 
I have contacted them repeatedly and they have refused to add the miles. 
Thank you for your help in this matter.
Product: Mortgage

On XX/XX/XXXX I requested a draw from my Reverse Mortgage credit line of the full amount stated on my XX/XX/XXXX statement of {$190000.00}, see attachment. This Reverse Mortgage was originated by XXXX XXXX over a decade ago and serviced by XXXX XXXX until XX/XX/XXXX when it was transferred to XXXX XXXX XXXX XXXX XXXX XXXX Tx. Phone XXXX On XX/XX/XXXX I contacted XXXX XXXX, they said they had my request, but do to the size of the request it had to be reviewed by HUD, a second XXXX agent said XXXX XXXX and XXXX XXXX  When asked how long it would take XXXX said " they '' dragged their feet and could not say. This is a FHA backed HECM.

I am in full compliance of the terms of my reverse mortgage i.e. I live in my home, it is in good repair, insurance and taxes paid. The request form from XXXX says monies would be placed in my XXXX XXXX account or a check mailed within 5 business days. At XXXX years old and making only the second draw on this costly credit line in ten years I feel mistreated. I will provide any information or documents immediately
Product: Mortgage

Hi we were pressured into a mortgage we can not afford. When we started the conversation with American Financial Network we had gotten a letter stating we didn't have to pay mortgage insurance anymore and could refinance because we had insurance long enough. I thought I had heard something like that so we talked to XXXX XXXX. He told us he could save us a bunch of money and pay off some things. As the process went on he took more things off the table he had promised. Every time I questioned or changed my mind XXXX XXXX talked us out of it. In the end only a few things were paid off and the mortgage payment was approximately {$500.00} more. My husband and I are XXXX and XXXX. I feel we were taken advantage of and the loan should never have been approved. We gross {$5100.00} from social security. Our expenses without food or car gas are {$3300.00} and the new mortgage is {$2000.00}. The first payment was last month we paid it on the XXXX. The month of XXXX is due and we don't have the money because last we started {$2000.00} in the hole. American Financial Network sold the loan before the first payment was made. Also there was a lien on our house and they said it was a balloon payment coming due and needed to be paid. We have since found out this wasn't true. This all started approximately XX/XX/2023. We did know how to cancel because it had gone so far. We contacted an attorney and are following their recommendations. Will be contacting the XXXX XXXX XXXX  next. We some how would like a lower payment. This loan should never of been approved.
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 XXXX  XXXX & Account # XXXX Account Name : XXXX XXXX XXXX & Account # XXXX XXXX Account Name : XXXX XXXX XXXX & Account # XXXX Account Name : XXXX XXXX XXXX & Account # XXXX Account Name : XXXX XXXX XXXX & Account XXXX XXXX Account Name : XXXX & Account # XXXX Account Name : XXXX XXXX XXXX & Account # XXXX Account Name : XXXX XXXX XXXX & Account # XXXX Account Name : XXXX XXXX XXXX & Account XXXX XXXX Account Name : XXXX XXXX XXXX XXXX & Account # 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 consumer reporting agency can not furnish an 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 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 causse to believe that the information is in accurate.
Product: Credit card or prepaid card

Bank of America closed my personal and business credit cards that I had for a long time. They just gave me general explation that the number of business accounts were too high. I did not have many business accounts and I had very good payment history and relationships with the Bank of America. I need your help to address this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions Account # XXXX XXXX XXXX
Product: Debt collection

We received a letter today ( XXXX XXXX ) from a debt collector Caine & Weiner regarding an alleged ( {$1300.00} ) debt of my sister XXXX that was wrongly addressed to myself and my wife. XXXX is XXXX years old, has XXXX XXXX and is in an XXXX XXXX home called XXXX XXXX in XXXX XXXX Michigan. My wife and I who assist in helping my sister contacted Caine and Weiner as soon as we receive the letter to : 1. Dispute the validity of this debt, 2. Let them know this is XXXX medical services and should not be directed towards myself or my wife but only to XXXX. 
3. To also let them know that we are not financially responsible for XXXX care, only her patient representative. 
4. And most importantly request copies of the financial agreement and the itemized statements. 

At XXXX XXXX  we spoke to a Mr. XXXX XXXX of Caine & Weiner to  dispute their claim and request the itemized statements and financial agreements. He told us we needed to send him a copy of my signature first. I let Mr. XXXX XXXX know that thats not proper and that my request as stated in his letter does not have any conditions. Wed have 30 days to dispute this and so we wish to dispute it. He continued to press me for my signature to be sent as a technicality in order to send us the information he has. We are aware that under the fair credit reporting act there are no contingencies attached to his sending us the documentation to assist us with disputing the validity of this claim. 

His demanding this does not comply with the law properly. We went around and around in our conversation letting him know we wished for the information to be sent and he kept reiterating the fact that he needed me to first send him mysignature in order for that to be done. This conversation was recorded and would be available to anyone wanting to know the facts of the conversation. 

He also implied that since we had talked to our attorney friend that he no longer wished to deal with us and and could not send us the information but that he would send our attorney friend the information. We told him we only spoke to our attorney for advice and he is not representing us, but Mr XXXX said he wished only to talk to him anyway. 

We believe this behavior to be not only aggressive but illegal according to the law. We wish you could look into this situation and not only correct it for us but other people theyre using these tactics on.