23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I refinanced my mortgage through Quicken Loans in XX/XX/XXXX. i alone applied and received the mortgage though I am married. Upon getting married and my wife selling her home, her credit score dropped and her credit card maxed her interest rate to 29.99. She reorganized through bankruptcy and is paying her creditors. XX/XX/XXXX, Quicken Loans blocked all of my access to my account which I had always administered online. They would not allow me to see any data or make a payment. Every month for 8 months I called and got the run around for hours until I got tired and it would all begin again the next month. I would send a check to pay my payment on time. They contended that it was because I had declared bankruptcy and I had not, my wife had. She is not on the note anywhere, but they did n't care. I have sent emails and paper letter to them asking to have my information sent to me on paper, as they suggested, but they never responded to that request. They claimed it was software and 8 months later, I was able to do transactions online again. No explanation or correspondence. It just started working. 
My loan originated in XX/XX/XXXX and when I went online to pay my payment, it had gone up XXXX dollars. I tried to view my insurance, tax and escrow information and I was locked out with a note to call them. When I called, they brought up the bankruptcy again and told me that they did n't have to provide me with any information due to that, but the would read it to me over the phone. Neither my insurance company nor my mortgage company sent a notice of the increase in charges. I asked for an escrow analysis to be sent to me and they refused. The latest person to talk to me about it is XXXX XXXX, Quicken Loans Client Relations. XXXX XXXX was the originator of my loan and has never been helpful beyond that point. XXXX XXXX Social Media Advocate said it was a software glitch the first time it happened, but never did anything to fix it. I believe that it is illegal to not keep me informed of changed in my escrow account and would appreciate feedback. I have email from some of these events, but they are not answering me at this time.
Product: Money transfer, virtual currency, or money service

Request # XXXX Wepay ( Account with Chase ) I'm super frustrated how a XXXX XXXX XXXX company like Wepay holds money, not only that they don't have customer service over the phone and they sent automated emails, they hold money without show u any policy, they don't have restriction policies and they also don't give you specifications of why it happened? 
A new wepay account, no charge backs, no dispute, how do you close the account? 
I thought I was just unlucky, but I realize reading all these comments that I wasn't. They are a simple scam, use your money in the stock market and get something back. THEY ARE THIEVES. At some point their time will come. 
They must be sued and shut down. 
We will go against you in a class action lawsuit because of you many businesses, including mine, are about to lose our houses, cars because of this dirty and malevolent move. Scam. 
How can a country like the United States allow a company to do this type of scam to citizens? 
They are white-collar thieves, damaging not only families, but companies, entrepreneurs. 
How does CHASE allow a reputable company like this to promote this type of thieves? 
Without them still being able to " interfere '', they suggest you receive money for this millionaire scam and then wash your hands I will take this and many more complaints, not only mine but a community hurt and scammed by this great company to the stay of the governed, white house and everything we have at hand as citizens of the United States to end this farce, They are miserable scammers. 
How do you hold money for 120 days to small businesses?
Product: Credit card or prepaid card

Chase is forcing arbitration on me. I can choose to either surrender my right to sue them in a court of law, or they will cancel my credit cards. By cancelling my credit cards I would lose 30+ years of combined credit history as well as tens of thousands of dollars in limits/utilization. This can't possibly be legal. They are going to destroy my credit if I don't surrender my rights.
Product: Debt collection

I noticed that this debt was on my credit report, I have NEVER had service or anything with at & t in the XXXX years ive been alive!!!!!!!!!!!!!!
Product: Debt collection

I had a phone plan with XXXX I had 2 lines & a XXXX XXXX. Each line was approximately {$45.00} per month. The watch line was an additional {$10.00} per month. In XXXX before my new billing cycle, I ported out one number from XXXX  to another carrier because the other carrier 's coverage worked where I needed it to. XXXX continued to charge me for that line. My bill was on auto-pay. When contacting XXXX they only offered a bill credit when I said I wanted a refund so I ported out the remaining lines before the next billing cycle. XXXX charged me for all 3 lines the next cycle. 

I contacted XXXX and was told they would refund me the last payment only because I had a bill credit. I said that I had no more lines with them so I am due a refund. They said they issued a bill credit. I had no way of getting my money back that they overcharged so I disputed the charges on my credit card statement. The disputes are still pending, but the credit card issued temporary credits on the card. 

XXXX then billed me directly for the amounts that the credit card company credited, added reversed payment fees & sent the bill to collections. When I called XXXX they said the bill was not in collections. I've received a letter and phone calls from a collections agency. XXXX  representative could only file a dispute on my behalf for the bill, but can not fix it even though they see that I was overcharged for months for lines that I no longer have. Meanwhile collections is saying I have an unpaid debt that needs to be collected. I don't understand how a bill can end up in collections when it was only generated on XX/XX/2023. The last bill in XX/XX/2023 had a bill credit of XXXX. So somehow I went from having a bill credit to having a past due amount of {$270.00} in less than a month & the bill sent to collections
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report 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 that is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

This company called XXXX times in less than XXXX minutes. This happens several times a day. I have not received any mail from this company in regards to an alleged debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity has been compromised. I found out because XXXX XXXX   sent me an email that I needed to take action. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report. 

BANKRUPTCY XXXX {$0.00} COLLECTION XXXX {$510.00} XXXX   XXXX {$600.00} XXXX   XXXX {$590.00} XXXX XXXX   XXXX {$330.00} XXXX   XXXX {$9200.00} XXXX XXXX {$4000.00} XXXX   XXXX {$6000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraud items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediately! 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

I have acquired US SSN number in XXXXXXXX XXXX and following that, I contacted the credit bureau-s ( Experian, XXXX and XXXX ) to update my file with my SSN number in place instead of the previous TIN number, under which I was registered with these agencies. 

My address and personal details otherwise have not changed. 

I have got a considerable ( over 6+ years ) of credit history with XXXX XXXX and XXXX XXXX XXXX whom have updated my SSN number accordingly in their files, and has started to send my credit history to all the credit bureau-s according to their associates. 

However, up until today Experian still has not recorded any information in my credit reports from XXXX XXXX , even though that those lenders confirmed to me at least two times during my calls with their customer service representatives that they have been sharing all such information with the credit bureaus. They even sent a so-called " manual pull '' of my credit history to Experian to make sure that this is reflected in my credit report. 

I have sent three ( 3 ) letters to Experian to investigate this issue, and properly update my credit file with those information from the lenders above.

1, In the first time, they did not even send me a reply 2, the second time i sent a new letter dated on XX/XX/2022, for which they failed to comprehend the issue at all in their reply, as their response was immaterial to the issue that I had raised 3, the third time I sent another letter on XX/XX/2022, for which they responded they did not have enough information to honor my request even though that my personal information is stored under my Experian ID which was in the letter This whole situation is a disgrace, considering that the other 2 credit bureaus XXXX XXXX XXXX has got no problem updating my records properly. As of now, I have no FICO score since due to the thin credit report from Experian. Because of this I was denied for loans on multiple occasion due to " inadequate '' credit history.
Product: Money transfer, virtual currency, or money service

Hello, I have a check that I have not been able to exchange my check has expired and I have not paid my funds. I need help recover my money
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of fraudulent activity. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a identity theft report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an identity theft report with reference number XXXX. Please find the ATTACHED documents to assist in the removing of the erroneous personal information and inquiry which were being posted to my reports. Here is the list of items which were opened without my permission : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TRANSUNION : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any items 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: Credit reporting or other personal consumer reports

XX/XX/XXXX Manual verification is required from notice. These items are illegal and needs to be removed asap. 

Copies of my signature needs to be provided and dates. These accounts are illegal and as i stated needs to be removed. 

Under USC Sec 15 Under USC 1666b USC 1637 ( b ) 15 USC 1681s-2 15 USC 16811i 12 CFR 1006.34c 12 cfr 1006.6c 15 usc 1671e ( b ) 15 usc 1681s-2 ( A ) UCC 9 Part 6, and FCRA tbese accounts were already disputed and passed timeframe of removal from all three Credit Bureaus XXXX, Equifax, XXXX XXXX These accounts needs to be removed immediately. 

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX as stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across XXXX, Equifax, and XXXX. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my Equifax, XXXX, and XXXX report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within 30 days of receipt of this letter.

Thank you for your time and help in this matter.

Under USC 15 1681, 1682, 1683, 1684 these accounts must be removed immediately. 

I am requesting a manual veriication and not an automated process through XXXX, Equifax, and XXXX stating that it is verified and updated. There is no way you can verify and account that is illegal and unauthorized. I already reached out twice now, and legal action will be taking under FCRA and FTC reports against these companies and also credit bureaus. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Balance {$4400.00} Date Opened XX/XX/XXXX XXXX XXXX  Balance {$1100.00} Date Opened XX/XX/XXXX XXXX XXXX XXXX  balance {$600.00} date opened XX/XX/XXXX XXXX XXXX XXXX XXXX {$50.00} Date Opened XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

According to 15 USC 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. 
I HAVE NOT GIVEN ANY INSTRUCTIONS TO THE REPORTING AGENCY TO FURNISH MY CONSUMER REPORT. 
THESE ACCOUNTS HAVE VIOLATED MY RIGHTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, Equifax, and XXXX also has violated my rights to privacy by furnishing these reports to my consumer report without any written consent from me the consumer
Product: Debt collection

There is a collection reporting to my XXXX  credit bureau as of XX/XX/2020 from XXXX XXXX in the amount of {$44000.00}. I have never personally borrowed anything from the orginal creditor being XXXX XXXX XXXX or XXXX XXXX. Never i have personally borrowed anything from these two companies and this was removed over two months ago and not it is back on my credit bureau.
Product: Checking or savings account

I am filling a complaint with CFBP regarding Capital Ones failure to deposit my direct deposit from my employer. Capital One has cited technical issues, which may violate the Electronic Fund Transfer act ( EFTA ) as it requires funds to be released in a timely manner. This situation raises concerns about consumer protection laws and I am requesting your assistance in investigating this matter. Thank you.
Product: Student loan

Back in XX/XX/XXXX. Navient applied a forbearance that they automatically did. In XX/XX/XXXX, My mother ( XXXX XXXX ) and I asked for them to lower the payments. They transfer us to someone to help. They asked back our income and later they sign us up for a 0 %  interest. The woman asked for my mother debit card information. The payment never came out and the agreement wasn't never set up properly. But, she made a payment in the amount {$50.00}. On XX/XX/XXXX, I received a email about the waiving the late fee 's, lowering your monthly payment over a period of time, bring your loan up to date just by making your current monthly payment and forgive portion of the balance as long a mutual agreement on settlement terms can be reached. On XX/XX/XXXX at XXXX EST, I spoke to XXXX XXXX. She claim here employee id:XXXX. I spoke to her about my account. She said my account is 93 days past due. I told her, I understand. But, I received a email about waiving the late fees. I told her I can't afford to make payments that high because. I'm on a XXXX. I'm on a fix income and can I settle the balance. She told me XXXX. I told her I can't settle that. I asked her about my options. She told me that all. I told her I guess. You can't help me. She said I guess I can't help you. Her attitude and not willing to help. I don't understand that. So, I hung up. I call back at XXXX, I spoke to a lady by XXXX XXXX , she was very helpful and understanding about explaining my options. I asked her about a settlement, she told me to discuss it with my mother the co-borrower and come up with a number. I already exhausted all the options except for one of them a settlement. I have had this loan since XX/XX/XXXX and it's XX/XX/XXXX. Between that time, I have suffer from XXXX XXXX and I'm in and out of the hospital. My mother is on social security. I have exhausted all my other options. Such as lowering my payment and If, I do catch up on payments the loan doesn't never go down. I still have to pay for my medicine and doctor visits.
Product: Money transfer, virtual currency, or money service

I would Like to complain what happen to my account in XXXX XXXX Paypal decided to ban my account. This what Happen After I withdraw my money and theres a Payment come through from my client its only {$6.00} just a small amount of money what a type of Payment receiver is this?. Paypal notice it and without any Further notice they banned me for File sharing? Like What the heck? I didn't share my information to any Websites or any thing that outside my business description. Re instate my account and review it well. Change how your System check the accounts of the user. Even freelancer who working well have been experiencing this type of problem. 

You can no longer do business with PayPal ( XXXX ID - XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a letter in the mail from Experian about my bankruptcy dispute. I requested an investigation on asking how they verify the bankruptcy on my credit profile. Experian updated my credit profile with " Outcome remains ''. They also stated that the received the information from XXXX XXXX which was frozen. This is a illegal and unacceptable. Attached is a copy of all documents listed in process with my dispute. Also the mail dispute date is in attachment in certified mail.
Product: Credit reporting, credit repair services, or other personal consumer reports

Wells Fargo Bank Lowered My Credit Limit On my Credit Card From XXXX. To now only XXXX. Limit Without Contacting Me directly by Telephone Another Issue Is that Wells Fargo Bank Is only Able To Update the XXXX XXXX For The Customers Every XXXX  Days. Wells Fargo Bank Should Update The XXXX XXXX XXXX Every XXXX Days What I 'm Basically Saying is that They are Not reporting or Viewing What 's Actually Current when The Customer Or Bank Views His or Her XXXX XXXX Since It Takes XXXX Days For Wells Fargo To Update The Customers XXXX XXXX This Has Caused My Limit To Drop Without My Consent From Wells Fargo Bank.