23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I received a letter in the mail that my mortgage company needed proof of homeowners insurance, I looked on the mortgage company website and it showed I was covered until XX/XX/XXXX. I then shortly after got a letter saying they got the coverage proof and to disregard the previous letter. Over a month goes by and I get an email from the homeowners insurance company saying I am no longer covered due to non payment. When I called Penny Mac on XX/XX/XXXX they said they show they sent out 2 check but XXXX ( homeowners insurance company ) said that Penny Mac put a stop pay on both checks. I did a conference call between Penny Mac and XXXX and was told they never received payment so Im not covered and they wouldnt reinstate the insurance due to me being without coverage since Penny Mac didnt pay. The mortgage company opened an investigation and doesnt contact me about the status. I called again on XX/XX/XXXX for an update and was told its still being worked on but I should start shipping around for coverage anyway. I called today XX/XX/XXXX and still not update and they are saying I have coverage which is not what XXXX is saying.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am working in accordance to my consumer protection and am seeking that certain fraudulent information be removed from my credit report on all 3 agencies XXXX, XXXX, Equifax. 
The following accounts are deemed as fraudulent and companies need to be investigated vigorously because I am not the only victim. The companies are listed below in full or by their name / organization shown on Credit Report. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting or other personal consumer reports

I was a victim of identity theft and I am currently in distress and suffering from XXXX  because of this. I am seeking help on my situation where my credit report reflects an outstanding debt that I know was caused by fraud. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft.
Product: Money transfer, virtual currency, or money service

On XX/XX/2019, using the Zelle app, I sent {$400.00} ( as a security deposit ) to someone who was supposed to become my new roommate. They said after I sent the deposit, that I would receive the keys to my new place. Unfortunately they ended up being a scammer. I drove from Colorado to XXXX XXXX for this and now I have no money and no place to live. Zelle has no policy on this and therefore did nothing to help me and my situation. I have the email of the scammer and they sent me pictures of their I.D . ( which I'm guessing is not really them. ) If that somehow helps at all. But if there's anything that can be done, I'd really appreciate it, seeing as I am now broke and homeless.
Product: Credit reporting 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 Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : Chapter XXXX Bankruptcy Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. These accounts has been reporting inaccurately. I wanted to dispute these because of this and it was affecting my credit report. This is an error that you need to look up into, so please do your investigation on this and remove or delete this account from my credit report.
Product: Debt collection

To whom it may concern : This is to bring forth the fact that a validation letter was sent to I.C. Systems for accounts ( XXXX, XXXX, XXXX ) on XXXX, 2020. I.C. Systems had thirty days to respond in which they failed to do so. These accounts are fraudulent and must be removed immediately from all three of my credit reports. No verbal or written contract were agreed upon with I.C. System and furthermore as stated earlier they have failed to validate the accounts the show the following balances : {$940.00}, {$1000.00}, {$1500.00}
Product: Checking or savings account

I had received a promotional offer from Chase Bank regarding their checking account. Upon attempting to open the account, their system caused an error ( attached ) while attaching the coupon code for the promotion. The account was opened and I was given information stating that the promotion code would be attached and a confirmation email would be sent once applied. I didn't see any update from Chase so I reached out to customer service and spoke with a supervisor who stated she would attach the promotional coupon manually to my account. 

Approximately 15-20 days later after fulfilling the promotional requirements I did not see the bonus added to the account. Again, reached out to a supervisor at Chase who put me on hold and researched the account. His conclusion was that I met with the requirements but he had to initiate a follow-up case from the back office to reach out to me so they could manually add the bonus. The instructions for the back office agent were to reach me anytime after XXXX CST but the individual assigned my case from the back office would always call in the morning. I would attempt to reach him in the afternoon and left multiple voicemails but he would not call back during that time. 

Had to reach out again to Chase customer support to inform the next supervisor about the lack of contact from the back office. The next supervisor initiated a second follow-up case, however I have yet to hear back from anyone. This nonsense has been going on for over a month because supervisors at Chase can not simply take care of this issue.
Product: Money transfer, virtual currency, or money service

XXXX XX/XX/2010 I had a cashiers check made out to me for {$10000.00} NEVER told there was an expiration date, went to deposit it and chase bank got mad at me (? ) for not depositing/cashing it. 

I have legally changed my name to XXXX XXXX, chase bank gave me a new checking account with my new name, so why this turned into a problem is mind boggling
Product: Checking or savings account

XX/XX/2023, I was in my local branch, with an invoice for a vehicle I want to purchase and my Self-Executing attachment that entails the lawful instructions as to its facilitation ( attaching to the banks application for Federal Reserve Notes ). Not a single merited Facilitator can be found within the institution which really hinders my banking activities and rights. According to Senate Document No. 43. 73rd Congress, the Federal Emergency Relief Act, Federal Reserve Act, Modern Money Mechanics, UNCITRAL Convention, UCC, GAAP, TITLE ( s ) 12, 15, 16, 18, & TITLE 31, as well as the Law of Signatures, I can create a Promissory Note that's monetized by my autograph, that's accepted at any Federal Reserve Bank, its member banks and agents. I need straight forward assistance from the " Facility '' herein BECU to do there job and facilitate my loan to the bank in order to pay for my " Necessity ( s ) '' and to not increase the debt of our sinking Nation. I am employing myself by that which I know, never to impede upon any others rights, in Good Faith with Trust that every demand is supplied. As a bank how do I operate under TITLE 12 in application for Federal Reserve Notes?
Product: Checking or savings account

I spoke with XXXX ( employee IS XXXX ) in case number XXXX on XX/XX/XXXX. I deposited {$1000.00} in my account when I had {$640.00} positive. My balance was over {$1700.00} when I went to bed. Today I woke up with my balance {$350.00} positive after I had a few payments taken out and I realized the bank took {$140.00} in overdraft fees, when my account was not negative when I deposited the money. I was told that was due to the deposit being made after XXXX etc but my mobile app, the ATM nowhere it said I had a negative balance. Then they explained to me that debits are taken before any credits, so if I have payments posted the payments will be taken out of the account first, then ( even if I have balance in the account!!! ) they assess how much money I had before any deposits. Its a very predatory calculation to do because it leads customers to think they have money in their account, but not according to the way Fifth Third posts the translations. I was told they wouldnt be able to reverse the {$140.00} in fees and Im here to ask for the love of God to get this back. Ive been working part time since our restaurant is shutdown and doing carry outs only and even though this {$140.00} may not seem a lot but its literally our weekly grocery. I dont know what else to do, its a total desperation.
Product: Checking or savings account

My phone was stolen on XX/XX/year>. Due to a physical altercation that followed I was XXXX  and then XXXX  for 2 months. While XXXX  my phone was cloned/copied and numerous unauthorized transactions and transfers between my Credit Karma checking and savings accounts were made, along with deposits on XXXX. 

I provided proof of my phone being stolen from the police department and XXXX, as well as proof of my XXXX. Despite this they responded by simply saying Regulation E only covers unauthorized transactions. How the heck can you authorize transactions from XXXX  and with no access to a phone that was confirmed as stolen and accessed. XXXX simply provided a license picture taken from the stolen phone as proof of authenticity despite Credit Karma having proof of XXXX, and stolen phone.
Product: Credit card

The fact that I always make timely payments on this account is causing me a great deal of XXXX. I have never missed a payment and I am very diligent about it. I kindly request that you update my account immediately and rectify the inaccurate late payment entry.
Product: Credit reporting, credit repair services, or other personal consumer reports

have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.
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, NC XXXX XXXX XXXX Balance : {$5000.00} XXXX XXXXXXXX XXXX Balance : {$1400.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$170.00} XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$140.00} XXXX  XXXX Balance : {$250.00} XXXX XXXX Balance : {$3000.00} XXXX XXXX Balance : {$2000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

CBNA XXXX is not reporting to XXXX. Please make sure this is reporting to all major credit bureaus
Product: Student loan

I filed a complaint already about this company not allowing me to reduce my monthly payments, and only giving me options that would still take all of my money from me. A week or so after filing the complaint, I got a call at a very inconvenient time and asked that they call me back the beginning of the next week. Two weeks later and they still have not called me. I tried emailing them regarding the status of the matter, and their contact page will not allow me to send an email. Whenever I call I am just left on hold for what seems like hours. 

It 's very apparent that they are trying to avoid the matter and focus on purely taking what money I have without helping me at all.
Product: Credit reporting or other personal consumer reports

I am being harassed. Last week, I began the process of applying for a mortgage. During that process I have contacted 3 mortgage companies to look at competitive rates. Along with that I authorized Experian, XXXX, and XXXX to run my credit score and send reports to those 3 specific banks. Afterwards, starting Monday XXXX and all day today XXXX I have received nearly XXXX phone calls and dozens of unsolicited texts offering more competitive rates. I never opted into sharing my information. Only after I started being harassed did I research and discover XXXX where I can ask to opt out of these types of phone calls. This can take 5 days, and my name and phone number are already out there. The people calling me are unsolicited strangers, and they know my name, phone number, email, and credit score. The harassment is incessant and has caused me distraction at work.
Product: Checking or savings account

My account was compromised by a fraud phone call I received in which I thought the call was from my bank because it was my actual bank number that showed up on the caller ID, then shortly afterward my account balance went to XXXX to a negative, I went to the bank they then required me to get a police report which I did, and they still haven't released my funds. I went back to the branch on yesterday XX/XX/XXXX to get an update and they stated it would be another 2-3 weeks because they forget to file my claim for my money to be release.
Product: Debt collection

In accordance with the Fair Credit Reporting Act, American Express ( Partial Account # : XXXX ) has violated my rights. 

15 U.S.C. 1681 Section 602 A states that I have the right to privacy.

15 U.S.C. 1681 Section 604 A ( 2 ) states that a consumer reporting agency can not furnish an account without my written instructions
Product: Credit reporting or other personal consumer reports

I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such. 
Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry.

Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit.

Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report.

Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor.

Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry.

Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process.

Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ).
Product: Credit card or prepaid card

My credit card with USBank was fraudulently charged outside the US ( in  XXXX, XXXX ) on XX/XX/2020. USBank has refused to refund the charge. 

The detail of the charge shows that it was " Manually Entered '' for {$12.00} ( {$16.00} XXXX ). In addition, there is a related " Foreign Transaction Fee '' of {$0.00}. The " Merchant Category '' is " Computer Software Stores. '' The description is " XXXX XXXX XXXX, XXXX  XXXX XXXX On - XXXX XXXX Dol '', none of which is anything I have ever seen or dealt with or ordered, for that matter. USBank simply refused to reverse the charge with no explanation. 

We have never been to XXXX, XXXX. We have never ordered anything from XXXX, XXXX. I certainly have not ordered " Computer Software '' from XXXX ( or at all ).
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Product: Debt collection

XXXX closed collection account popped up on my credit report in XX/XX/XXXX. Stating it was opened XX/XX/XXXX. I did not open this account. I filed a fraud complaint and XXXXXXXX XXXX XXXXXXXX verified it wasnt mine and removed it. However experian, I filed the dispute and they kept it on my report. This not my account or debt. I have XXXX XXXX under my spouses name/account.
Product: Payday loan, title loan, or personal loan

Applied for loan XX/XX/2021 in the amount of {$16000.00}. 

Loan Offer was extended and I accepted the offer. 

Upgrade could not provide documentation to e-sign or sign. Although, a Truth in Lending and other disclosures were provided. 



They would email me a link that when clicked it would take me to a page that says, We're something went wrong, please try again later or callXXXX 

This issue was escalated multiple times. New links were emailed to me and access was attempted on other computers, browsers, phones, their XXXX XXXX, all resulting in the same error. 

This was escalated at least 5 times and was never resolved. 

I expressed interest in accepting their offer and they could not provide access to the " to do '' list so the loan could be finalized. 

Today, I received an email indicating the offer has expired. 

This is frustrating, because I applied for this, accepted it, provided bank account information for funds to be wired to, and they were supposed to be resolving this issue. Instead they didn't. It is almost is if they provide fake loan offers, string you along, just enough, until your credit score drops after inquiring. 

I made multiple attempts to resolve this with them.
Product: Credit reporting or other personal consumer reports

i sent a police report to them tell them that this not my account they said it is but no id to the account
Product: Credit reporting or other personal consumer reports

I am receiving a collections on my credit report from ability recovery services. I believe this is a fraudulent attempt to collect a debt that does not exists and the creditor is attempted to commit blatant fraud. I have no debt with ability recovery services nor do I have a debt with the original creditor. This is an attempt to scam me as a consumer and is continuing to violate my rights. Please remove the collection immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I received a call from Synchrony Bank re a fraud on a Steinmart credit card, XX/XX/XXXX. I cancelled the card that date. They automatically took XXXX out of my checking account when the account had been closed, this was done on XX/XX/XXXX. 

I checked the bill, called the company on 4 different occasions, was told I would receive a credit of XXXX for the amount taken out of checking account. 

There is no-one that can help me, no supervisor, just an endless amount of people that no nothing about the situation although all the notes are in my file. 

I have written to the synchrony bank XXXX XXXX XXXX XXXX, florida XXXX. 

I have asked for a supervisor in fraud department, and was told I can't talk to one. In the meantime, they have illegally taken XXXX out of my checking account on an account that was closed on XX/XX/2019.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone stole my identity and it may have been an attempt to purchase a car through a dealer named as XXXX XXXX XXXX XXXX per the credit inquiry record. It appears that this dealer submitted a credit application as well as MB FIN SVCS for hard inquiry on XX/XX/2023. 
I contacted the dealer for the details on XXXX XXXX for XX/XX/XXXX inquiry but the information was unavailable due to the absence of the person in charge. Their finance team may have more details.

I received the identity theft victim 's Complaint and Affidavit package from MB FIN SVCS, and this is for a record purpose for MB FIN SVCS. 

I filed the identity theft case with FTC ( IdentityTheft.gov ) for identity theft event on XXXX XXXX, XXXX. I filed a police report with XXXX XXXX CA XXXX Police Department on XXXX XXXX and the police report was approved on XXXX, XXXX. 

The hard inquiries submitted on XX/XX/2023 are all fraudulent which I do not recognize. 

I have been or am individually contacting all companies involved to report the identity theft issue and fraudulent inquiry.
Product: Checking or savings account

Chase is refusing to release funds that are legally mine. They have stated that they need to verify that I received the check from the issuer, and I have already completed this verification. I was previously told that once I verified the check with the business, Chase would lift the restriction on my account and release the funds. I have done that, and the funds have cleared with the issuing bank. Despite this, Chase continues to refuse to lift the hold or release my funds. I have spoken with multiple customer service representatives, and each one gives me conflicting information. It feels like Chase is unwilling to help resolve this issue.