23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/XXXX, I purchased my first home at XXXX  XXXX XXXX, XXXX, NJ using a mortgage loan wherein the latter designated XXXX XXXX as the lender with a principal balance of approximately $ XXXX upon me putting down approximately $ XXXX. In or around XXXX XXXX, I discovered that : ( 1 ) the foregoing transaction was discharged by XXXX XXXX XXXX XXXX ( " XXXX '' ) in XXXX XXXX without my knowledge or consent upon someone creating a refinance through XXXX XXXX XXXX dba XXXX XXXX dated XX/XX/XXXX without my knowledge and or consent ; ( 2 ) XXXX  continued taking monthly payments for me for XX/XX/XXXX through XX/XX/XXXX ; and ( 3 ) JPMorgan Chase Bank National Association ( " Chase '' ) continued taking payments from me from XX/XX/XXXX through XX/XX/XXXX towards what I believed was my original purchase, not knowing said payments were going towards the forged refinance. 

Furthermore, I have not received proper credit for all of the payments that I made for the months XX/XX/XXXX through XX/XX/XXXX. 

Today Chase by and through XXXX XXXX XXXX XXXX XXXX, XXXX. ( " XXXX  '' ) are foreclosing on my home in the Superior Court of New Jersey under Docket No. : XXXX since the year XXXX to present date, using a forged refinance mortgage loan recorded in the year XXXX ( See Exhibit A ) for which an expert handwriting expert confirmed by way of report dated XX/XX/XXXX that someone other than me authored and forged my name on mortgage loan documents as displayed within Exhibit " B '' annexed hereto. 

Furthermore, Chase by and through XXXX commenced foreclosure in XXXX XXXX annexed hereto as Exhibit " C '', and the assignment instrument asserting a transfer of the forged mortgage loan is dated in XX/XX/XXXX and displays an email communication between Chase and XXXX conspiring to create the document ( See Exhibit D ). 

I believe that the foregoing events are, in part, connected to the criminal acts by XXXX XXXX through its executives, the latter of which were sentenced to federal prison as displayed herein as Exhibit E
Product: Credit reporting, credit repair services, or other personal consumer reports

I have previously tried to work with NCB Management and they refuse to remove this alleged debt from the three major credit reporting agencies and continue trying to make me owe the debt. I have already mentioned to them that I need proof of this debt and simply presenting an agreement between them and the original creditor is not proof. NCB Management only provided me with an agreement between NCB Management and XXXX XXXX  XXXX XXXX. NCB Management took the risk of owning that debt and it is now their responsibility. I do not have a contract or agreement with NCB Management. They are not prohibited to attempt to make me pay a debt I did not agree with them. They are also not licensed to collect a debt in the State of Florida. You can see that copy attached, so they must by law, cease and desist all collection of this debt and zero out the balance along with deleting this information from all major credit bureaus. NCB Management claims they sent me communication when the alleged debt was first transferred over to them but I never received it and I haven't received a copy of this alleged letter either. This has taken so much energy out of me. I was trying to purchase a home, but this is stopping me from doing so. I am mentally, physically, and emotionally drained from working on this matter to make a better life for me and my family. Per Social Security Administration, NCB Management would need to provide me with an SSA-89 government form giving them permission to use my personal information and if they do not have that form with my signature, that is identity fraud.
Product: Checking or savings account

I work for my family business and was given checks to deposit into my own account as it is my wage. I showed the bank the paystubs, w2, and payroll register of the company to show that the checks were written to me and verified by both the owner and CPA. Chase however decide to restrict my account and took my money for both the check deposit, cash deposit on ATM and all my money in the account. I use that account to pay bills and now i am unable to pay bills because they thought the checks were fraudulent. I have went to branch to clear this out but it was no help. 

XXXX in check on hold and {$1400.00} cash on hold from atm deposit that was a loan from a family so I can pay mortgage for this month. 

Total balance on lock is {$6400.00}.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. 
Furthermore, their dispute resolution proces? was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

My credit report is showing late payments to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX customer service representative.
Product: Credit reporting

Credit reporting agencies have a bankrubtcy in 2009 for me, this never happened. This is caused my scores to fall below the levels to buy a home even in the Hope program. As well I am a XXXX veteran and the creditors have attacked my ratings, I have been sick and will not return to a regular employment position due to XXXX. So all out dated claims against me need to be removed ASAP, I live in Indiana and much of the claims is outdated and has been sold to different lenders that do not have original paperwork with my signature anyway, and I have not confirmed any debts to anyone at any time. I have also protested some as fraud. Especially the Bankruptcy that never happened. This inaccurate report has further damaged my credit. My real estate was illegally foreclosed in XXXX case and short sell in another, and was subject to illegal mortgage practices by XXXX XXXX and XXXX XXXX prior to recession, XXXX XXXX put illegal insurance on my fixed rate loan and forced my payments to XXXX, causing a economic storm for me and my future. They have since admitted this illegal activity but it does not help consumers like me when we can not be properly reimbursed for losses, and damages to financial reputations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I told my story to this stupid company XXXX times. I sent them handfuls of letters. With dates, personal information, and even proof, all the information they would need to fix my issue. It has taken them just about fouXXXX months to do a whole lot of nothing. I made a complaint on their company and waited an entire month and a half just for them to tell me some bull crap. For them to tell me PLEASE BE SPECIFIC WITH YOUR CONCERNS BY LISTING THE ACCOUNT NAMES, NUMBERS, AND THE NATURE OF THE DISPUTE. NON REPORTING DISPUTES ID : Current Name THE DISPUTED NAME IS CURRENTLY NOT REPORTING ON EQUIFAX CREDIT FILE. I dont know how much more specific I can be when I say SOMEONE HAS ACCESS TO MY SOCIAL SECURITY AND YOU GUYS REMOVED ME, THE RIGHTFUL OWNER OFF OF MY CREDIT FILE. How much more need I say? I have mailed them multiple break downs. Talked to MULTIPLE customer service agents. And even sat patiently, They are all literally just getting paid to do nothing. Then for them to tell me to provide information. Where? On this website? Why would I put my personal information on this statement thats on a PUBLIC WEBSITE? But I provided them information multiple times. Paid money out of my OWN pocket for express shipping to get them my complaint. Still no results.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed item to be removed being  XXXX  removed item from my report as a result of their investigation.
Product: Checking or savings account

I 've been reported to  XXXX  because of an account opened in my name. I have contacted this bank numerous of times as well as the consumer reporting agencies and nothing has happened
Product: Credit reporting, credit repair services, or other personal consumer reports

OnXX/XX/XXXX, I wrote a letter to XXXX XXXX requesting they review my request for goodwill deletions for the 2 months that show 30 days past due on my credit. I was impacted by Hurricane Irma ( two large trees fell into the middle of my home and I was injured ) and am in need of securing a new place to live. Since those marks are older and I have not gone 30 says delinquent since then, I requested the delections. Unfortunately, I have a XXXX XXXX  and can not talk by phone so I contacted Ally using the address they provide on their website. In response, I received a letter dated XX/XX/XXXX acknowledging receipt of my letter but it said if I do not call them by XX/XX/XXXX,,  they will not respond to my request and will withdraw my inquiry. That poses an issue for me medically.
Product: Credit reporting, credit repair services, or other personal consumer reports

While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please re-investigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. Again as previously stated under provisions of the Fair Credit Reporting Act 15 U.S.C. Section 1681i, please re-investigate and update or delete these disputed items. Please forward me the name and address of the persons contacted. It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX Balance Owed : {$290.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed XXXX {$230.00} XXXXXXXX XXXX XXXXBalance Owed : {$2200.00}
Product: Credit reporting or other personal consumer reports

There was a data breach. I went to all three reporting agencies to freeze credit. Somehow Experian put me in a monthly subscription that I did not voluntarily enroll in. The are themselves, practicing fraud and this needs to be handled. 

When I log into my Experian account, there is no way to cancel the membership they are billing me for until I provide a new card number. I didnt sign up for this trash and I will not be providing any new card numbers. This is a broken system. 

They are charging me XXXX per month for something I did not knowingly sign up for. Thankfully there are no funds on the card for them to withdraw and the charges are being denied at this time, but I want this fraudulent membership subscription cancelled and there is no method to do so via the website. The phone number they provide offers no recourse and there is no one to speak with. 

Please help
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I am writing in regards to an old credit card account I had with XXXX XXXX XXXX. I held a credit card with XXXX which was opened inXX/XX/XXXX, then closed in XX/XX/XXXX. This account I held in good standings and was never late on a credit card payment. 
The account was closed due having to file a chapter XXXX bankruptcy on XX/XX/XXXX. The account was closed and I received a discharge in bankruptcy on XX/XX/XXXX. 
This account was included in the chapter XXXX, and discharged along with other debt. All of my credit reports list my public record and reporting of the chapter XXXX discharge. 
I actually had asked my attorney if I could keep this card open to rebuild my credit but was told I could not, and that it had to be included, as all outstanding debt needed to be. I wanted to keep this card as I had never been late, nor ever missed a payment on this account. I only know the last four numbers of the XXXX acct were XXXX. I have done very well since my chapter XXXX and have a 100 % payment history. 
This account is still being listed in my Equifax and my XXXX credit reports. I have filed numerous disputes and have received no deletion of these reporting. They have also continued to update the accounts at last XX/XX/XXXX. They do not report anything about this account as far as my payment history which was perfect. It is listed as to just harass. I have gone to XXXX directly and the bureaus regarding this issue and nothing has been done. 
As stated this account was included in on my discharge. When you decide to file a bankruptcy it is a devastating report to your credit file in and of its own that lasts 7-10 years. This is the price you pay for what was done and is stiff enough penalty on its own however, XXXX has reported on this account as recently as XX/XX/XXXX and it is a violation of my discharge injection to report again on debt discharged in Bankruptcy. This account also because not removed from my report lists as a separate " NEGATIVE '' item, along with the bankruptcy therefore I am being penalized twice for this account. 
Can you please help me? As I stated I have disputed with the bureau and with XXXX so I am not sure how to get this error removed. 

Thank you XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX and Equifax putting incorrect information on credit reports. Now is the BEST time to fix my credit and send my settlement check I done psid 3 credit repair services them bureaus didnt do their job
Product: Mortgage

In XX/XX/XXXX I applied for a loan modification. Following the tr oak procedure i was told the y would be withholding a mo XXXX  's payment and it could possibly show up as a late payment but it could be explained and fixed. And besides it would go away after 12 months on my credit report. No matter i made the payments anyways received the modification and my credit was fine. When it showed up as a late payment i had Ocwen Mortgage contact the credit bureaus. They fixed it and the payments showed up as current and my payment history was 100 %. In XX/XX/XXXX XXXX XXXX took over my mortgage. When this happened Ocw an closed out my mortgage with showing up a LATE mortgage payment AGAIN for XX/XX/XXXX! This has also happened in XX/XX/XXXX when Ocwen took over our mortgage from XXXX!! This is WRONG and I want it fixed ASAP
Product: Money transfer, virtual currency, or money service

i sent {$40.00} as payment for a few plants i was buying, but it turned out to be the wrong person. I tried to cancel the payment and get my money refunded, but i was denied and was told nothing could be done since it was my mistake. It only took me a couple of minutes to realize it was sent to the wrong person..
Product: Credit reporting or other personal consumer reports

I am very disappointed with XXXX and XXXX, very disappointed with XXXX and XXXX. They both know the law but acts like the illuminati with my credit report. My score was XXXX last night and dropped XXXX points in XXXX day, I feel like Im being retaliated against because I reported them for being lazy and not having the knowledge to know you dont add medical information on a credit report according to the law. Also I sent attached letters and information showing that these companies were in fact late in their response to me and as of today I still havent received one letter as per my request to send me a 1099C. Please see the additional attachments
Product: Credit reporting, credit repair services, or other personal consumer reports

I've tried over 5 times to get these people to take these accounts that aren't mine off my reports. My purse was stolen and all my information was taken and used by ppl. I haven't been the same since.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good Day- I am writing this letter in reference to XXXX XXXX. This account does not belong to me. This is fraud. XXXX removed this account from me due to the fraud /Enhanced recovery purchased this debt while XXXX was very aware that this was indeed fraud. Please remove from my credit report and send me a letter to indicate that it has been removed and my credit report has been reflected that it has been removed. I am tired of having to contact you over and over when you are aware of the fraud.
Product: Checking or savings account

In a period between XX/XX/XXXX and XX/XX/XXXX, Truist bank charged me more than {$540.00} in overdraft and returned item fees that need to be returned to me. 
On XX/XX/XXXX, a company incorrectly initatied a ach debit out of my Business checking account ending in XXXX of {$2000.00}. I did not authorize this debit and since I did not even have that amount in my Truist account, Truist should have not paid the charge and declined it. I have never authorized Truist to make my account go into the negative. I was charged a {$36.00} overdraft fee for this. 
The real problem began on XXXX, when I made other purchases with my Truist debit card. Truist did not notify me that my account was overdrawn and approved all of these charges when I made them. They then proceeded to return all the charges and charged me XXXX returned item fees of {$36.00} each. I was only notified of the issue AFTER all these charges were initally approved by Truist and then returned. None of these transactions would have put my account overdrawn if Truist had not approved the first {$2000.00} transaction that made my account go negative. 
WHY would Truist continue to approve charges only to turn around and return them and charge me {$36.00} for each returned transaction?? This is absolute robbery!
Product: Vehicle loan or lease

We purchased a used car from XXXX in XXXX Texas in XX/XX/XXXX. The car value was at {$23000.00} The interest rate was high but due to credit we accepted with the understanding that we could refinance in a year. Skopos Financial informed us that they do not refinance and that if we would go to an outside company we would have to get finance for the value of the car and their interest rate. The car was reposed in XX/XX/XXXX due to non payment because they were not willing to lower the rate, refinance nor allow us to refinance with another financial instate. A company should not be allowed to set the interest rate the same as the value of the purchase. The car depreciated and yet we still owe them {$23000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Check my credit report and seen a hard inquiry on XX/XX/XXXX that was never done by me from JPMCB XXXX I called on XX/XX/XXXX spoke to a XXXX she said it was for an Amazon prime account which I told her I have never applied to that and they should not be on my three credit bureau reports she advised me she would submit a report stating if this could come off my credit report I advised her that it should never be on my credit report at all as a hard inquiry as I never did this she said if she can do anything she will switch it to a soft inquiry instead of a hard inquiry but she cant guarantee anything as it is under my name I told her I am filing a report with your agency. As this has reported on my credit report and had a negative impact to my credit score as a hard inquire I want this off my credit report and I never applied to chase bank
Product: Credit card

I signed up for XXXX ( later changed name to XXXX before spontaneously shutting down ) which was supposed to be a community driven organization " revolutionizing the finance industry '' and providing a distributed return on the benefits of managing card services through an XXXX structure. Aka, a debit card mobile bank that distributed the transaction fees to the members instead of the XXXX XXXXXXXX XXXX. 

They deferred launch, delayed delivery, didn't provide promised features, didn't complete product public-launch objectives, and all the while doing education videos to show us how to help the project. They took XXXX in member dues and only the very top influencers got anything back, who subsequently have mostly deleted their telegram threads and member spaces where they were encouraging all of us to continue. This all pushed it way past the typical 60 day dispute window. 

My initial transaction of {$490.00} was back in XX/XX/year>. 

To top it off they announced a name change and asked people to resign documents, followed by " closing down the project indefinitely '' at which point websites were deleted, domains were shut down, and there is basically no way for anyone to get in contact with the core team that just ran off with millions. 

Recently, a class action lawsuit has been started and over XXXX former members are filing against the company for fraud among many other things : XXXX XXXX XXXXXXXX I contacted my bank to get the transaction disputed and they basically cold shouldered me because of the 60 day dispute window, but as I said, it was always " we're almost there '' until it was too late. I wasted a lot of time and energy on top of that {$490.00} but I'd like to at least get that back if possible. 

Thank you for your help.
Product: Credit reporting or other personal consumer reports

I've noticed you have been reporting my information to the 3rd party credit bureaus which are on my credit report XXXX and I never gave you Consent to do so which is in violation, also you can not disclose my information unless you have given me an explanation on a non disclosure option to opt out which you have not done, according to The Federal Trade Commission. 
15 U.S. Code 6801- Protection of nonpublic personal information a ) Privacy obligation policy It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. 
( b ) Financial institutions safeguards In furtherance of the policy in subsection ( a ), each agency or authority described in section 6805 ( a ) of this title, other than the Bureau of Consumer Financial Protection, shall establish appropriate standards for the financial institutions subject to their jurisdiction relating to administrative, technical, and physical safeguards ( 1 ) to insure the security and confidentiality of customer records and information ; ( 2 ) to protect against any anticipated threats or hazards to the security or integrity of such records ; and ( 3 ) to protect against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to any customer. 


15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18.

( 2 ) In accordance with the written instructions of the consumer to whom it relates.