23daVinci/CFPB_Complaints huggingface dataset:
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. 

I told XXXX, Transunion, and XXXX to reinvestigate these accounts : Account name : XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is

incorrect. According to 15 USC 1681i ( 5 ) they are supposed to modify accounts that isn't reporting correctly. 15 U.S.C 1681 section 602 A. States I have the right to pri
vacy.

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, credit repair services, or other personal consumer reports

Nonresponsive in regard to helping me resolve or investigate my concerns. 

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 XACTUSXXXX XXXXXXXX XACTUS  XXXX XXXX XACTUS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XACTUSXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I purchased airline tickets in XXXX XXXX 2017, in the amount of {$1900.00} for travel on XXXX XXXX XXXX. On XXXX XXXX my flights were cancelled due to a pilot strike on the airline, XXXX. I requested reimbursement by the airline on that date, which I was told I would receive within 30 days. After 30 days of not receiving my refund, I disputed the charge with my credit card company, Capital One, and was told on XXXX XXXX, that I would be receiving the refund within 3-5 business days. I questioned if the funds could be send directly to me, rather than refunding my credit card ( which would put my credit in positive ) and was told that after 30 days if there is a positive balance on my card, that I would receive a check. on XXXX XXXX, I have no received a credit. I called Capital One to follow up and was told that my request is under review, because it is outside my XXXX XXXX or 120 XXXX days since purchase. I explained that the cancellation occurred well passed that window, and was told that I was given incorrect information by the previous customer service representative that told me that it would not be a problem in the least. now, I am here 2 weeks later with no refund from my credit card company that I purchased the flights from.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received my reinvestigation results back from Experian and XXXX. They said everything was 100 % complete and accurate. I would like to receive the description of reinvestigation according to 15 USC 1681 i ( 7 ).

Because the list of accounts below is not accurate. The date open, date of last activity/active, and date of last payments are NOT 100 % accurate. 

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  They did not modify the file to report correct data or delete the inaccurate information on my consumer report according to 15 USC 1681 i ( 5 ) ( A ) ( i ). 

I attach a consumer report as evidence.
Product: Mortgage

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Transferred and bounced around to voicemail or not. I have been leaving voicemails for several days now at multiple times. 

Too many delay tactics in place to stop me from verifying that the documents were received. I suspect that they are forcing my hand to rectify postponement or cancellation of " active foreclosure. '' A payoff has been requested and an " audit '' has been done on the account as if they are not planning to be objective during " mediation. '' I was notified that the foreclosure sale date was on XX/XX/year> and now it is replaced with the same date as a " Mediation '' date. 

Housing counselor appears to be posing the same antics and seems to be delaying the assistance since XXXX. I can't get in contact with any support to help me stop the " Foreclosure '' actions before " Mediation. ''
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 XXXXXXXX XXXX XXXX XXXX XX/XX/year>
Product: Mortgage

I have a mortgage with Ocwen loan serving. I have paid my mortgage on time. I was in bankruptcy from  XXXX  to  XXXX . I gave Ocwen {$46000.00}. I have not seen any change in my mortgage. My mortgage payments are still the same. I have called  Ocwen  and the costumer service rep. Stated that the {$46000.00} went towards my principal. But when I look at my statement the {$46000.00} is not on my statement or online statement. I have called repeatedly and I would get transferred or hang up on. I would like this fixed.
Product: Checking or savings account

I'm in the process of withdrawing my pension funds.I 'm a former Citibank employee my date of separation was XX/XX/XXXX. 

I've had conversations with the benefits department from XX/XX/XXXX up until today XX/XX/XXXX.I was continually told that I would not be able to have the funds until XX/XX/XXXX at the earliest. 
Each time I explained to the representative that this is a financial hardship and that I need the funds as soon as possible. I also asked numerous times from XXXX the representative I spoke to today XX/XX/XXXX why does it take 30 days? XXXX responded by saying it takes that long to process and again I said to her I know it does not take that long. Once it's reviewed it can be submitted for payment, still no answer, just that's how long it takes as per XXXX in the benefits department. 

I'm at a point where I need whatever help you can give me to get these funds transferred. I returned my pension kit this afternoon at XXXX Arizona time.
Product: Credit reporting, credit repair services, or other personal consumer reports

I already dispute with TRANSUNION bureu some wrong information wich is reported on my records, i let then know my concern because is affecting me so much. They just response with a generic letter saying im working with a third party, wich is not true and however i got the right to use someone else if i need help, but in this case is not the situation, i saw my rights on internet and this is why disputed this wrong information, but the bureu is not doing the homework. Another thing is there is a collection account in the credit report but i sent a letter to the supose creditor asking for a validation of the debt and they response saying that the account number is not belong to me, it means the credit bureu is not focus on report my information well
Product: Payday loan, title loan, or personal loan

I brought in my information and was approved for a payday loan at AMSCOT located at XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX The cashier had an attitude. I asked her for an EPP because I wanted to take my time paying it back and the manager entered the conversation and told me ok. She came back 10 minutes later with a letter that refused to give me the payday loan for XXXX. They then told me happy birthday as I walked out.
Product: Credit card or prepaid card

1.I have never had an account with this company CAPITAL ONE , REMOVE from all credit agencies from reporting.

2.consumer means any natural person obligated or allegedly obligated to pay any debt. According to 15 U.S. Code 1692a ( 3 ) 3.This letter is in pursuing 15 U.S. Code 1692c ( c ) Ceasing communication 4.I am the consumer mentioned in 15 U.S. code 1692a ( 3 ) You are CAPITAL ONE the debt collector 15 U.S. Code1692a ( 5 ) I am invoking specified remedies under use 15 U.S. code 1692c ( c ) ( 2 ) as a creditor I am demanding you to terminate all farther efforts pursing to 15 U.S. Code 1692c ( c ) ( 1 ) 5.I am the executor under the 15 U.S. Code 1692c ( d ) pursing to 15 U.S. Code 1692d A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) ( 2 ) and ( 4 ) 6.According to 15 U.S. Code 1962e ( 8 ) Communicating or threatening to communicate to any person credit information which is known, or which should be known to be false, including the failure to communicate that a disputed debt is disputed.

7.15 U.S. Code 1692e ( 12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value.

8.As mentioned in the 15 U.S. Code 692f Unfair practices ( 8 ) 9.While pursuing to 1692g ( b ) while the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt.

10.15 U.S. Code 1692k Civil Liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) ( 2 ) ( A ) ( B ) ( 3 ) 11. Mentioned in 15 U.S. Code 1681a ( 3 ) ( 3 ) Restriction on sharing of medical information. Except for information or any communication of information disclosed as provided in section 1681b ( g ) ( 3 ) of this title, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) ( B ) ( C ) Ive pointed out many violations your company is in pertaining to the U.S. Code 1692 and 1681.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act CCS collections, has violated my rights.

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1691 Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not make treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Checking or savings account

Wells fargo may have charged my account in unnecessary overdraft fees since 2011
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXX XXXX sent letter outside the deadline period of the 30 days to providing the promissory notes from XXXX University original signatures. The letter is post dated On XX/XX/XXXX and only provides promissory note from XXXX XXXX.
Product: Credit card

I have a mobile app for my Chase Credit card and access it nearly every day to check purchases. I tried to open the app this week and found out that I couldn't access any information on my account ( via the app or on my PC ) without signing updated disclosures and agreements. The Online and Mobile E-Sign document was 10 pages but the XXXX XXXX agreement was 125 PAGES LONG. I called the company to complain - I wasn't going to sign it without reading and 125 pages is overwhelming. It's unreasonable to expect anyone to read it. I was told that I would have to agree to both documents to access my account information and there was nothing that could be done. I replied that it seemed they could have a shorter agreement and received no response. I then requested that they cancel e-access to my account and start sending paper statements and notified them that I was discontinuing future use of this card. Since then, my husband and I applied for two other credit cards- one had disclosures of only four pages and the other had a disclosure that was 10 pages. I am a reasonably intelligent person with an advanced degree. I think this requirement is outrageous - how many people will just check the box without knowing what they are agreeing to?
Product: Credit card or prepaid card

On XX/XX/2022 my BJ 's Commenity Bank XXXX XXXX charged me interest of {$100.00}. I have my card paid in full and automatically debited from my account, so an interest fee is not even possible. When I called to report the error the representative told me I would received something in the mail about my complaint to begin to resolve it. Nothing has come after waiting two months. Very frustrated and looking forward to the agency helping me get my money back. Thank you!
Product: Mortgage

Dear CFPB, I am filing a formal complaint against National Star Mortgage Company for their failure to process my hardship assistance paperwork and their decision to foreclose on my home in apparent violation of my rights under federal law, including 15 U.S.C. 1639c, 15 U.S.C. 9057, and 15 U.S.C. 1601.

Details of Complaint : 1. Under 15 U.S.C. 1639c ( Ability to Repay and Qualified Mortgage Rule ), mortgage servicers are required to make reasonable efforts to ensure the borrowers ability to repay before initiating foreclosure. Despite my efforts to submit hardship assistance paperwork to demonstrate my financial situation, National Star Mortgage failed to process or consider this information before foreclosing on my home.

2. Under 15 U.S.C. 9057 ( Foreclosure Moratoriums During Emergencies ), foreclosure actions are restricted under certain circumstances, such as national eme
rgencies. I believe the company did not comply with the protections provided to borrowers under this statute.

3. Under 15 U.S.C. 1601 ( Congressional Findings and Declaration of Purpose ), the Truth in Lending Act ( TILA ) emphasizes transparent and fair lending practices to protect consumers from abusive financial practices. The refusal to process my hardship paperwork and the rushed foreclosure appear inconsistent with these principles.

Despite multiple attempts to submit the required hardship assistance documents, National Star Mortgage : Failed to provide adequate instructions or support for my application. 
Delayed or ignored my submissions. 
Proceeded with foreclosure without exploring alternatives or offering meaningful assistance, despite my demonstrated willingness to resolve the matter.

Supporting Documentation : Attached are the following : Correspondence with National Star Mortgage Company.

Copies of the hardship assistance paperwork submitted.

Foreclosure notices and related documents.

This situation has caused undue stress, financial harm, and potential loss of my home. I trust that the CFPB will take appropriate action to address this matter. 

Thank you for your attention to my complaint. I look forward to your response and resolution. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX  I sent a letter to the courthouse asking do the report bankruptcies to the credit bureaus and I got a letter stating " They do not report any bankruptcies to anybody. '' So if that's the case. How did the credit bureaus edify my bankruptcy as 100 % Accurate. They never did a fair investigation acco

rding to the 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term " investigative consumer r
eport '' means a consumer re
port or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer. 

They also violated my rights numerous times. 
The credit bureaus violated my given rights under 15 USC 1681.

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

According to : 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 According to : 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: Checking or savings account

Im a U.S citizen. Almost two years ago I was traveling a lot outside of the US and I believe because of currency changes and charges chase bank who I have been banking with for over a decade, closed my account without notice. They said they sent a check with the almost XXXX US dollars to my house in the states but I didnt receive it. 
Now on multiple occasions I have gone into the branch in the US and I have tried to get the money back but they are requiring the check sent to my house in the US which I no longer live at.
Product: Credit reporting, credit repair services, or other personal consumer reports

I made a payment to for a private XXXX XXXX student loan account in collections with XXXX XXXX on XX/XX/XXXX in the amount of {$3200.00}, in order to get my account balance to {$2000.00}. My credit report gets updated between the XXXX of every month. On XX/XX/XXXX, my XXXX reported my account balance for this account was {$5200.00}, which is not only wrong but an increase from the last monthly report, and there was no payment for XXXX XXXX recorded. On XX/XX/XXXX, I call XXXX XXXX and XXXX to make sure information was updated on their end. XXXX was, XXXX XXXX 's wasn't. I start a dispute with Transunion and XXXX  on XX/XX/XXXX. I call XXXX XXXX and XXXX on Friday, XXXX XXXX and they verified that they each had communicated and updated my account. On XX/XX/XXXX my Transunion dispute was resolved. On XX/XX/XXXX, my XXXX   dispute was resolved. Both disputes did NOT change the amount and did NOT record my recent payment on my credit report. I even uploaded a bank statement document to prove my payment, and provided my payment confirmation number for my XXXX  dispute, yet it was still not denied. I open another dispute with Transunion on XX/XX/XXXX and with Equifax XX/XX/XXXX. I know for a fact the information is updated and available. I don't know where they're getting their information from or if they're just delayed in updating it. I'm start graduate school in XXXX in 2 weeks and I needed to apply for a GradPLUS loan by XX/XX/XXXX. This has delayed me because based on the incorrect credit report, I would be denied for the loan needed to pay for school.
Product: Credit reporting, credit repair services, or other personal consumer reports

I never established credit ever. I never applied for any credit my whole life. started to learn about credit 6 months ago. I made a XXXX XXXX and see someone has been using my identity years ago for credit cards. I didn't give anyone access to my personal information. Below are the accounts. 


1 ) XXXX XXXX XXXX- opened- XX/XX/XXXX ( 6 yrs, 4 mos ) amount {$0.00} 2 ) XXXX XXXX opened- XX/XX/XXXX ( 2 yrs, 5 mos ) amount {$280.00} 3 ) XXXX XXXX -opened- XX/XX/XXXX XXXX 7 mos ) amount {$550.00}
Product: Checking or savings account

Since opening my account I've had nothing but issues. First I have had to pay to have 4 debit cards mailed. I have not recieved a single one. I've been In the branch 4 different times. Once they even gave me a cashiers check for XXXX however they say the system will not allow them to print me a debit card. I wrote a check to my son so I could get my funds the bank refused to cash it. I tried to transfer my funds the bank refused to transfer my funds. Now they have me locked out of my account yet again and refuse to unlock my account. Stating I have to drive XXXX hours to the only branch in my state to show my id to unlock NY account. Again. I told them I wanted to close Mt account and they can mail me a check to my address on file. They refuse. 

I filed a complaint before and the company responded with I needed an id declaration form. To which I paid and had motorized 4 times. And the bank refused to accept it. It was an address didnt match. So I went and updated my license. Still no. So I added to the form to show both my addresses and still they refuse to allow me access to my own money.
Product: Debt collection

I checked my credit and it shows an account for XXXX XXXX XXXX XXXX XXXX and amount for {$1000.00} owed that was not opened by me. I have never lived in New York and the credit company told me I should file a complaint through here in order to dispute this on my account. This again has not ever been my account and is fraud. The company Transworld systems is now trying to collect this fraudulent debt on my credit.
Product: Credit reporting or other personal consumer reports

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 XXXXXX/XX/XXXX
Product: Checking or savings account

on XX/XX/XXXX a check that I wrote to a vendor was cashed by someone other than the intended payee. I found out that the vendor had not received payment and they told me they did not cash the check. I initiated a claim with my bank on XX/XX/XXXX and both the intended recipient and me filled out affidavits regarding the situation. My bank is telling me they will close the case without me getting reimbursed if they don't have a resolution from the bank that cashed the check within 90 days ( I received this letter today, XX/XX/XXXX. At this point 138 days have passed from when I filed the claim. My bank is Chase and I have not been told who the other bank is. The check was for {$2400.00}. I don't see how this can be my problem when the bank is supposed to verify ID. I have followed up with my bank at least 10 times and have gotten no satidfaction.