23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I owe around {$10000.00} to Chase, and am in a debt resolution program with XXXX XXXX XXXX. I provided Chase the number to XXXX XXXX XXXX, and was told not to have any further contact with Chase representatives, as XXXX representatives would handle it. As of Friday, XX/XX/XXXX I  have been receiving calls from XXXX XXXX, formerly known as XXXX XXXX XXXX. They are a credit collections company used by Chase. On Friday I received 2 calls, on both XXXX and XXXX I received one call, and today on XXXX I have received three calls. One of these calls was a call to my office asking to speak to me, however I was in a meeting. The man who called was very aggressive to my boss who answered. I checked with a lawyer and learned that repeated calls on the same day and calling my work are illegal practices. Calling my place of work puts my job at risk. As stated before, I have provided the number for XXXX XXXX XXXX, whom they are supposed to be working with.
Product: Credit reporting, credit repair services, or other personal consumer reports

My husband and I have been a victim of identity theft. We have never opened joint accounts or done rental agreement together. We have been trying to remove these things for our reports for 4 years since we first found out. This account on my report and inquiries are not mine. Please remove these fraudulent items from my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE REVIEWED MY CREDIT FILE AND FOUND SOME INACCURATE ACCOUNTS AND INQUIRIES THAT WAS PLACED ON MY CREDIT FILE WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS UNFAIR TO ME BECAUSE I AM IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S SELFISH ACTIONS AND MY CREDIT HAS BEEN LEFT TO SUFFER THE CONSEQUENCES. I HAVE ABSOLUTELY NO IDEA HOW THESE ACCOUNTS AND INQUIRIES GOT ON MY CREDIT. I KNOW FOR A FACT THAT THE NEGATIVE ACCOUNTS AND INQUIRIES DO NOT BELONG TO ME AND DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME. I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE NEGATIVE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF OF MY CREDIT AS SOON AS POSSIBLE.
Product: Mortgage

To Whom It May Concern, Bank of America gave me a HELOC loan on my house that is in a Commercial zone. There are other single family homes within this Commercial zone and this is allowed by the zoning in this area. Bank of America is now trying to change the HELOC loan to something else in order to do a " Commercial '' short sale which in turn means that they are trying to unilaterally make changes to the terms and conditions of the loan. This is all outlined in detail in a attached .pdf named XXXX.
Product: Credit reporting or other personal consumer reports

Upon checking my credit report, I noticed an inaccurate negative information with XXXX of my accounts. I've been trying to fix this error with the Bureaus but nothing changed. Please see attached file below.
Product: Mortgage

My mortgage lender, Planet Home Lending, contacted me about refinancing my existing VA Home Loan. I decided to pursue a cash-out refinance with Planet Home Lending and during the closing ( XXXX XXXX, 2015 ), I was made aware that the money in my current escrow account ( $ XXXX+ ) would be used to pay my real estate taxes ( due XXXX 2015 ). During the closing, I noticed I was charged another {$4100.00} for escrow to pay the taxes ( due XX/XX/XXXX ). I called the loan officer ( XXXX XXXX ) and he informed me that it 's imperative to get the loan closed, and he would research the issue and get me my refund of the Escrow. To date, Planet Home Lending has paid me {$240.00} ( balance between taxes due which was {$3200.00} and the total amount in the escrow which was {$3400.00} ). However, they charged me the {$4100.00} to pay the taxes again and they have flat out refused to refund my escrow of {$3200.00}. To make matters worse, I am paying on a loan that includes the additional escrow amount that should be refunded to me. I really need help resolving this issue.
Product: Payday loan, title loan, or personal loan

I purchased XXXX XXXX  XXXX and the interest free loan they promised me was a scam. I was very sick when the first statement showed up ( XXXX  XXXX XXXX XXXX My wife told me for my health to just pay it and ignore it for now. After feeling good enough to start reading the statements I realized Id been scammed and the statements didnt make sense. They were charging me interest. I contacted the XXXX XXXX XXXX and filed complaint # XXXX. That was being denied by XXXX. I then went to XXXX XXXX of XXXX  XXXX XXXX, she helped me by having specialists look at the original agreement and my statements. I found out that the North Carolina based Ally Lending was violating the law in that state. They are charging me interest, and the statements are so confusing its ridiculous. I have not filed a lawsuit yet.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 

XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXXXXXX XXXX XXXX XXXX  Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$560.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX. 
According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Money transfer, virtual currency, or money service

On XX/XX/year>, I received the following email from PayPal : " We're unable to continue processing payments for this account We strive to provide our customers with seamless and user-friendly payments solutions. Unfortunately, sometimes we can't process activity for a variety of reasons, including local laws, our policies, or the policies of our partner banks and card networks. 

Based on the information we have today, it appears that there was activity on this account that we can not process. 

What can I currently do with my account? 

Unfortunately, at this time most of your account features have been deactivated. You can still view your transaction history, download account statements, or request copies of your data. 

We may hold any funds in your account for up to 90 day ( s ) to cover things like chargebacks or other financial liabilities. We'll review the account periodically to see if we can release any remaining funds sooner. We'll email you the outcome of each review. '' I request PayPal please reconsider this decision and double-check my account. 

As you can see from my account activity, I haven't received any money for any transactions. I've used it to make legitimate purchases for services on XXXX and paid for schooling. 

It's never been used by me for any business purposes whatsoever. 

This account is over 20 years old and the decision to permanently ban me is unnecessarily harsh considering I've never had any issues in all that time. I've had a flawless record. If there are any issues, I informed PayPal that I'm willing to do whatever it takes to get into compliance and stay that way. But they refuse and I mainly get automated responses back. 

If PayPal looks into the history of this account they'll see it was in complete compliance. 

I believe this decision to be in error regarding this account and request it is restored.
Product: Credit reporting or other personal consumer reports

Good morning, I am filing this complaint due to inaccurate reporting and a Chargeoff for my consumer report for XXXX XXXX. 

The first thing I noticed was the date opened was different. XXXX reported the date opened as XXXX Experian and XXXX reported the date as XX/XX/XXXX as the date opened. 
The date last reported was different as well. XXXX and Experian reported the date last reported as XXXX XXXX reported the date last reported was XX/XX/XXXX. 
Lastly, the date last active was different as well. XXXX reported the date last active as XXXX Experian reported the date last active as XX/XX/XXXX. XXXX reported the date last active as XXXX 
These items are violations of my consumer rights pursuant to 15 USC 1681.

As for the Chargeoff on my consumer report this is considered a certificate of indebtness. This is also considered income being reported on my consumer report. Income can not be reported on my consumer report. 
I also added the Privacy Act of 1974. 
The Privacy Act of 1974 ( XXXX XXXX XXXX XXXX ( United States ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, a United States federal law, establishes a Code of Fair Information Practice that governs the collection, maintenance, use, and dissemination of personally identifiable information about individuals that is maintained in systems of records by federal agencies. A system of records is a group of records under the control of an agency from which information is retrieved by the name of the individual or by some identifier assigned to the individual. The Privacy Act requires that agencies give the public notice of their systems of records by publication in the Federal Register. The Privacy Act prohibits the disclosure of information from a system of records absent of the written consent of the subject individual, unless the disclosure is pursuant to one of twelve statutory exceptions. The Act also provides individuals with a means by which to seek access to and amendment of their records and sets forth various agency record-keeping requirements. Additionally, with people granted the right to review what was documented with their name, they are also able to find out if the " records have been disclosed '' and are also given the right to make corrections
Product: Credit reporting or other personal consumer reports

I have recently checked my FICO score and it seems that XXXX XXXX has placed a derogatory mark on my score. The XXXX XXXX student loan division does not even exist anymore. They have never corrected the error in my credit report, and this is negatively impacting it in a huge way. 

I have received a 1098E in the XXXX tax year and the loan was disbursed/forgiven. XXXX XXXX however has claimed this as a 1099C, and I also had to pay the IRS for the forgiven amount for the claimed 1099C as income. 

I am very unhappy at this point and demand XXXX XXXX take this derogatoryremark away from my credit report as soon a possible. 

To my surprise, I found out that XXXX XXXX STUDENTLOAN HAS BEEN PENALIZED by CONSUMER FINANCE in XXXX and was ordered to pay XXXX to the consumer andwas ordered to " CORRECT ERRORS ON CREDIT REPORTS '' The company itself was penalized for fraudulent activityand seems like it keeps doing it by destroying itsprior clients credit reports. I wouldlike this to be removed as soon as possible.
Product: Credit reporting or other personal consumer reports

I am writing to notify you that I am a victim of identity theft. Per the Fair Credit Reporting Act ( FCRA ) 605 ( b ) and 15 U.S.C. 1681c-2 ( a ), I am requesting the immediate blocking and deletion of the fraudulent accounts and inquiries listed below from my credit report. 
I have included documentation supporting this request, including a police report and/or an FTC Identity Theft Report.

Fraudulent Accounts XXXX. XXXX XXXX XXXX - Account # : XXXX - Reported : XX/XX/XXXX - Amount : {$340.00} XXXX. XXXX XXXX XXXX - Account # : XXXX - Reported : XX/XX/XXXX - Amount : {$24000.00} XXXX. XXXX XXXX XXXX - Account # : XXXX - Reported : XX/XX/XXXX - Amount : {$400.00} XXXX. XXXX XXXX - Account # : XXXX - Reported : XX/XX/XXXX - Amount : {$1100.00} Fraudulent Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting or other personal consumer reports

To Whom It May Concern : I want to emphasize the importance of accurate credit reporting, not only for my personal financial well-being but also for the integrity of the credit reporting system. It is imperative that credit reporting agencies like yours fulfill their obligations under the FCRA to ensure fair and transparent practices. The FCRA was put into place to protect consumer like myself, and other privacy and you will uphold the law!!! Or you will be liable to pay me {$1000.00} pursuant to 15 USC 1681n civil liability for non compliances. 

For months, I have attempted to navigate the labyrinth of your dispute resolution process, hoping against hope for a resolution that never seems to materialize. Instead of finding solutions, I've encountered roadblocks, delays, and an overwhelming sense of frustration at every turn. It's disheartening to see how little regard your agency seems to have for the significant impact these errors can have on individuals like myself Pursuant to 15 USC 1681n Civil Liability for non complaint, due to several attempt, I have suffered financial damages and as a result your company owe me {$1000.00} plus my attorny fees which will be associated with me taking legal action. I am hoping you understand that my next option is this. Im hoping you understand I have kept a close record of all response from you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Each time I send in a dispute to Experian, I send a letter and a copy of my driver 's license, social security card, and utility bill to verify my identity. Experian will receive the dispute however they send me a response saying : We received a recent request regarding your credit information that does not appear to have been sent directly by you or to be authorized by you. As a precautionary measure, we have not taken any action on your alleged request. According to the federal Fair Credit Reporting Act, " '' if the completeness or accuracy of any item of information contained in a consumers file at a national consumer credit reporting company is disputed by the consumer and the consumer notifies the company directly of such dispute, the company shall reinvestigate free of charge. '' '' Therefore, you can dispute any inaccurate information directly with Experian for free. 

If you believe that information in your personal credit report is inaccurate or incomplete, please call us at the phone number XXXX, or visit our secure web site to upload your documents at www.experian.com/dispute. 


I have provided more than enough information to verify my identity multiple times. Experian is violating Federal Law by treating this as a frivolous dispute.
Product: Credit reporting or other personal consumer reports

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 an account without my written instructions.

15 U.S.C 1681 c. ( 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: Student loan

I have called these ppl on several occasions, to access my own account, with no results. I owed XXXX, 5 years ago, trying to gain access to see if I 'm eligible for help, for a forgiveness. I get yelled at and told, very harshly, IF YOU DO N'T WORK FOR A NON PROFIT, FEDERAL, OR IS COMPLETELY XXXX, THEIRS NOTHING OUT THEIR YOU 'LL HAVE TO PAY! Well now it 's over XXXX from deferment, e t c. When i call these ppl needing help, they just put me on deferment, like that 's the only choice. I make under the poverty line in income. I will never be able to pay this back. It put my credit in the trash, for the rest of my life. I 'm XXXX yrs old, no life insurance, or anything to fall back on if i chose to retire. This company is a blood sucking vortex. If i ca n't access my own account, which i have n't been able to for 5 years, how do they expect any money to be paid. I no theirs a forgiveness plan out their for me, but they do n't want me to gain forgiveness, i feel they do n't care, ppl are really going under, owing student loans, and they take advantage of it.
Product: Checking or savings account

On XXXX XXXX Im trying to withdraw {$600.00} from ATM in XXXX, Illinois, location. As usual process, I insert my ATM, less than 5 minutes ; I dont receive any funds from the ATM. Ive decided to go inside the branch and told the teller what happened what he did is he gave me {$600.00} cash from my account little I didnt know that instead of giving me my {$600.00} ; they took another {$600.00} from my account, when I checked my receipt, I looked like I withdraw {$1200.00}, but in reality I only got {$600.00}. One of the banker help me to start the dispute process and she promised that they will credit my bank on same day. 
I checked the next day and still, money is not available, I took more than 1 week to return my money. 
On XXXX Ive noticed that they took {$600.00} from my account I called the customer service and she said that they denied the dispute because that there is no discrepancy in their ATM machine, I told them that they look back on the camera by the ATM the day that I did my transaction and they will see that I did not get any money from the machine, I even told them that I did not steal money from them, I worked hard for my money and I live paycheck to paycheck and I need that money to pay for my rent, but the supervisor said she cant do anything and I have to wait 30 days for their decisions
Product: Mortgage

I have a VA loan. Has changed holders 3-4 times in the year we have had it. 
During the last transfer there was a lost payment. 
The company PHH mortgage withdrew the XXXX 2019 payment on XX/XX/XXXX. 
The loan was transferred to the new company XXXX XXXX around XX/XX/XXXX or so The XXXX payment has not been credited yet I have called PHH three times. During each call they first tell me that they rejected the payment. Then after conferring with a supervisor they say the payment was sent to the new company They have not provided any documentation supporting this and they tell me they will call me back with information which they have yet to to My account is listed a past due with the new company. I went and paid an extra payment to make my account current but I am still out a full payment.
Product: Checking or savings account

On XXXX23 I made an online request for XXXX {$2000.00} contribution to my XXXX at Pacific Premier. Pacific made XXXX debits each for {$2000.00} and gave me credit for XXXX. 

Since then they have played a shell game. 

on XXXX23 XXXX Bank debited a XXXX  {$2000.00} which it dispersed to Pacific Premier on XXXX-23. 

On XXXX23 Pacific Premier credited my checking account {$2000.00} which they took from my retirement account NOT whatever account the missing {$2000.00} went to on XXXX23 Then when the XXXX 23 credit shows up they point there and call me whole. 

2 months and 3 days later I want Pacific Premier XXXX to surrender the second {$2000.00} they took on XXXX23 and NEVER credited me ANYWHERE. 

Thank you. I hope someone can help me pull the wool back from this ridiculous shell game.
Product: Debt collection

I obtained services from XXXX in which Conrad acceptance was who I was to pay for the services of XXXX. Due to the misrepresentation by the Company of XXXX I attempted several times to reach out to the office to cancel this contract within 3 hours of signing and several months thereafter. I refused to pay because I felt the company was breach of contract undergrounds misrepresentation. I have sent several faxes and letters to this company explaining my dissatisfaction with the service with no replies from mail, phone or faxes. Conrad continues to send various attorneys in attempt to collect this debt, a debt I feel and have expressed several times I do not owe. Although the contract I signed, unknowingly states I waive my 3 day " cooling off period '' all circumstances become null and void when services you are paying for are never received. No one could ever be reached to schedule appointments, no one would ever call me back. How is there to be a contractual agreement between XXXX entities when the company you hired is no where to be reached to obtain said services. They took my money and ran. Conrad continues to harass me through attorneys and collection services to obtain funds, I do not owe and I should not have to pay. I have been fighting this since 2009. The contractual obligations were never met by the company and there were no intentions of the company meeting those obligations therefore the contract, once again, is null and void and no money should be due to Conrad Acceptance.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act Wells Fargo Account XXXX XXXX, has violated my rights.

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

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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

Wells Fargo keeps increasing the interest rate on us. As a result, they collected more {$60.00} on illegal rate.
Product: Credit reporting or other personal consumer reports

I am in distraught because I thought I would have beena ble to afford mental healthcare but because my scores are affected due to the accounts being reported on my file, I can not take care of myself better. I believe they are being reported without my permission and are most likely to be inaccurate. Please re-investigate.