23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

On XX/XX/2022 there was XXXX withdrawals from my account on for {$110.00} and the other for {$110.00}. I had moved from XXXX  to XXXX  on XX/XX/XXXX. I checked my balance on XX/XX/XXXX it was a Saturday and called the number for BMO Harris Bank immediately that Saturday to report these charges and have them stop them because it showed they were pending. BMO said they would look into this matter. They said they would cancel that debit card and send me another one. Had to call again on Monday XXXX they did not stop the transaction. So they said they would put the money back and investigate the matter ma month later I checked my account because I was very upset with BMO because they never sent me a new card and I was now living in XXXX  and there is no BMO banks in XXXX  so I could not go into a local bank. So when they removed the money from my account overdraft. So now they say I owe {$270.00} dollars to them for the funds and fees. I called BMO again and they informed me that they did not find in my favor. I was very upset and asked them how they could not have found in my favor?. They informed me that the mercant told them I order diet supplements and had them delivered to a address in XXXX. I asked what the address was and the gave me my aunts address. I said we'll that never happened and nothing was ever mailed to her house. I explained to them that the investigator should have verified that information they should have check for a tracking number and followed up with fraud charges against these people. I was not only violated from a scammer but by my bank as well.I appealed the decision and that is when they were suppose to send it to the appeals department. The lady took my aunts name and phone and took my phone number and said a lady investigator would be contacting my aunt and myself. No one ever got ahold of us. I started getting notices about my account being over drawn and they are going to send me to collections agency. I called BMO bank again a couple days ago and they informed me there that there is nothing they can do to contact the police depart. I thought banks are there to protect us against things like this. I have been victimized twice now. Thank you.
Product: Student loan

I attended the XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX for an XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  couldnt finish due to no financial aid remaining ). Recruitment tactics included misleading job placement rates. When finishing my associates portion of the degree, the career services offered applying to retail stores as a career. The only job I could get out of school was a XXXX XXXX  that didnt require a degree, of which many graduates worked at. 

I have been making semi consistent payments on my loans for $ XXXX a month for almost 10 years, and now I owe almost double what I borrowed. Ive come close to defaulting at least 3 times, and have had to return to a state school to get a degree in a totally unrelated field in order to afford my loan payments. 

the XXXX  has since been sued for fraud, shut down and parent company has closed. Navient settled to discharge loans of students in my exact circumstances but had defaulted- and I am stuck now with {$72000.00} in private loans from an associates with an unfinished XXXX degree.
Product: Credit reporting or other personal consumer reports

There appear to have been an improper use of my credit report which shows some addresses, employers and names that I am not associated with. I do not have anything to do with the following addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX neither is any of the following my name : XXXX XXXX XXXX XXXX XXXX XXXX 

I am also not associated with these employers : XXXX XXXX. 
XXXX XXXX XXXX Irregular report of my personal information violates my consumer rights as none of the information listed above are associated with me.
Product: Debt collection

KINDLY HELP ME. THERE IS AN ITEM OF INFORMATION BEING REPORTED WITHIN MY CREDIT REPORT THAT IS INCORRECT. SEE ATTACHED DOCUMENT.
Product: Debt collection

The company name is Radius Global Solutions located at XXXX XXXX XXXX XXXX XXXX, MN XXXX Already filed a complaint with New York State Attorney General They called from several different local XXXX area code phones numbers every time I answered they hung up. I called back and the reps would hang up. They were harassing me for awhile. This company stated they could not locate a account with my name. I spoke to a supervisor who said they were calling for a different person. The calls continued for a short time after I spoke to supervisor. 
They called several numbers XXXX of them is XXXX. These calls went on for awhile this company is approximately 12 miles away from the collections agency that I previously had issues with which they as well. 
There were several calls a day from several different XXXX NY numbers and they are located in XXXX MN and the supervisor claimed they do not have a office in New York State.
Product: Credit reporting or other personal consumer reports

I have previously disputed the accuracy of payment to Fed XXXX as reporting this account as late for 120 days. I was never late on this account and it is damaging to my credit profile. This account need to be updated to a positive payment history immediately. This account was updated with XXXX and XXXX but XXXX isn't being helpful at all and continues to report negative and unverified payment history that are very damaging to my credit profile.
Product: Credit card or prepaid card

I was issued a rewards certificate in the amount of {$850.00} on my Costco Citi Visa. I tried to redeem as direct deposit but it was denied. I tried to use it at Costco on Thursday XX/XX/2022 but it was again declined. I was told I needed to wait 48 hours in order to request a replacement. Today ( XX/XX/2022 ) I requested a replacement and again I'm being told I need to wait another 48 hours. No one is willing to escalate or involve a superior, they just keep telling me " it requires another 48 hours '' please call back.
Product: Debt collection

On XX/XX/XXXX, I noticed a collection on my credit report. The collection agency isXX/XX/XXXX. I have already dealt with identity fraud and stressed out to even open the mail. It is like nothing I do will correct this. Contacted company XX/XX/XXXX. Even though I paid the amount requested, called to find out there was no remaining balance, only interest, and late fees accruing on the interest. Talked to XXXX XXXX. She was rude, would not tell me any balances. She finally told me I did pay the balance, but I did not pay it in time. I remember talking to someone to tell them I was paying the balance. It was around {$300.00} or something like that. Why would I pay a {$300.00} balance if it were not on the statement or I was told that was the balance. In the middle of the call, a man named XXXX got on the phone, said he was supervisor. He was unethical, refusing to allow me to speak, even though I called them. I even offered to pay the {$50.00} " supposed balance, '' which I do not believe, and he refused to negotiate, even though this was already on my credit report, so I had nothing to gain. At first he refused to tell me if the balance was only for interest and late fees. He kept arguing with me, telling me it was all my fault for being irresponsible, totally inappropriate, giving scenarios of how homeowners credit worked? He said there was a balance of {$50.00} ; in XXXX accrued late fees of {$40.00} ; XX/XX/XXXX, accrued {$38.00} late fees, {$2.00} interest ; XXXX {$38.00} late fees, {$3.00} interest ; XXXX {$38.00} late fees, {$3.00} interest ; XXXX {$38.00} late fees, {$5.00} interest ; XXXX {$38.00} late fees, {$5.00} interest ; XX/XX/XXXX late fees, and then they stopped the interest and late fees. He refused to give me the date I paid it off, refused to answer question of whether this amount owed is only interest. Brought up scenarios about owning a house, had nothing to do with bilXXXX. He could have negotiated this, but instead he kept arguing with me, not any way to collect a debt I have ever heard of. I do not believe him, I think the balance was paid in full and he was just trying to collect more interest and late fees. The whole thing is frustrating and stressful. I was trying to make it right, but he was just being ridiculous. I am a grandmother raising my grandchild and we have had some pretty tough times, but this man was totally unprofessional and he did not in any way even remotely try to come to any reasonable settlement, even though I already paid the balance. This is so unfair.
Product: Checking or savings account

I had a checking and savings accounts with JPMorgan Chase Bank, N.A. I deposited a check signed by my father in the amount of {$30000.00} on XX/XX/2019 that was made out to me. The payor bank was XXXX XXXX XXXX. XXXX XXXX XXXX on XX/XX/2019 immediately transferred the funds of {$30000.00} to Chase Bank. Chase Bank used a computer program software called " XXXX '' to " hack '' and " cybertheft '' two checks of my father 's XXXX XXXX XXXX checking account without his prior consent. Based on those two cybertheft checks, Chase Bank stole {$30000.00} from my checking account and refused to return the money. Chase Bank claimed that the signature on the deposited check was " forged ''. Chase Bank without cause closed my checking account on XX/XX/2019. Chase Bank never proved the allegation of forgery on that check. I tried to recover the funds directly from Chase Bank because the money was earmarked to pay for my father 's funeral and burial expenses, however, Chase Bank refused to return the money. My father 's funeral and burial arrangements had to be delayed for six weeks. Eventually, I had to initiate a arbitration claim against Chase Bank to recover the money and other damages caused by Chase Bank 's refusal to return the money. The arbitrator forced Chase Bank to return the money with interest for the eleven months Chase Bank had stole the money. However, the arbitrator refused to force Chase Bank to pay for other damages such as emotional distress, interference with my father 's funeral arrangements, closure of my checking account, interference with my ACH agreements with third parties, Chase Bank 's illegal discovery of private banking documents ( tax forms and bank balance ) from my father 's XXXX XXXXXXXX XXXX  checking account. I am entitled to recover the other damages that the arbitrator refused to force Chase Bank to pay. I am submitting this complaint requesting the CFPB to assist me in the recovery of {>= $1,000,000} from Chase Bank for its criminal activities. Chase Bank should not be licensed or chartered to do business with the public. I firmly believe that Chase Bank 's actions were motivated by XXXX discrimination against me that a XXXX man having {$30000.00} being deposited in his checking account must be the result of some illegal activities on the XXXX man 's part. XXXX people do not have that kind of money legally. Chase Bank has had a history of discrimination claims brought by XXXX employees that resulted in a {>= $1,000,000} settlement. Chase Bank has had history of discriminating against poor and XXXX customers such as refusing to provide " private client '' customer perks to the poor and XXXX customers.
Product: Credit card

In late XX/XX/, I noticed a significant drop of approximately XXXX points in my credit score through XXXX XXXX, where I manage my financials. After reviewing my credit report, I discovered an unfamiliar credit card account opened in XX/XX/XXXX XXXX during a time when I was traveling internationally. This account has a late payment of {$600.00}, which I do not recognize, and I have not applied for any personal credit cards in at least two years. I immediately filed a dispute through XXXX XXXX. 

However, after 15 days, the creditor, Capital One, incorrectly determined that I was responsible for this account and its associated debt. This fraudulent account continues to negatively affect my credit score and overall financial profile. Furthermore, I have found that my credit reports with XXXX, XXXX, and XXXX have been accessed and registered under an address that is not mine, and the accounts have been logged into by individuals unknown to me. 

This account was opened without my knowledge or consent, which constitutes identity theft under the Fair Credit Reporting Act ( FCRA ). I respectfully request the immediate removal of this fraudulent account and all negative marks associated with it from my credit report. 

Additionally, under the FCRA, I have the right to dispute any inaccurate information, and it is the responsibility of the credit reporting agencies and creditors to investigate and correct these inaccuracies. This includes ensuring that my credit report reflects only accurate information related to accounts I have legally opened. 

Under the Fair Debt Collection Practices Act ( FDCPA ), creditors are prohibited from attempting to collect debt that does not belong to the individual in question. Therefore, I request Capital One cease any collection efforts related to this fraudulent account. 

I also ask that my reports with XXXX, XXXX, and XXXX be updated to reflect only my correct, current address, and that any accounts or addresses related to fraudulent activity be immediately removed. 

I expect full compliance with the legal obligations set forth by the FCRA, FDCPA, and CFPB, and I request confirmation that these actions have been taken to restore the accuracy of my credit report and protect my financial identity.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Equifax XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Demand for Immediate Deletion of Inaccurate Account from Credit Report Pursuant to FCRA and Consumer Law To Whom It May Concern, I am writing to demand the immediate deletion of an inaccurate account from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ), specifically consumer law 15 U.S.C. section 602 ( a ) and 15 U.S.C. 1681 section 604 ( a ) section 2. Upon reviewing my credit report, I have identified an account entry that is inaccurately reported and must be removed promptly to avoid legal repercussions. 

The inaccurate account entry is as follows : Creditor Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I assert that this account entry is inaccurate and violates my rights under the FCRA and relevant consumer protection laws for the following reasons : 1. Violation of FCRA and Consumer Law : The FCRA and consumer protection laws explicitly prohibit the reporting of inaccurate or incomplete information by consumer reporting agencies. The inclusion of this inaccurate account on my credit report constitutes a violation of these laws. 

2. Immediate Deletion Requirement : Pursuant to FCRA and relevant consumer protection statutes, I demand the immediate deletion of this inaccurate account from my credit report unless the creditor wishes to face penalties of up to {$1000.00} for each violation. Failure to comply with this demand will result in legal action to enforce my rights under the law. 

3. Preparedness for Litigation : I am fully prepared to pursue litigation against the creditor and any consumer reporting agencies that continue to report this inaccurate account on my credit report. I have documented evidence to support my claim and will not hesitate to take legal action to rectify this matter. 

I demand that you take immediate action to delete the inaccurate account from my credit report and provide me with written confirmation of its removal within [ specify a reasonable timeframe, e.g., 10 business days ] days of receipt of this letter. 

Thank you for your prompt attention to this matter. Should you require any further information or documentation, please do not hesitate to contact me at the address or phone number provided above. 

Sincerely, XXXX XXXX
Product: Debt collection

I have wrote a letter to the Cooling & Winter Law firm concerning a debt from 2008. I was paying XXXX XXXX XXXX XXXX. Paying XXXX for past few year prior to that is was another company. I do n't believe I still owe after all these years. I wrote a letter asking for a clear a statement showing all the money that has been applied. They have not responded 30 days ago. I pulled my credit fnot long ago it show that the was close in 2008 an still shows I owe XXXX. Which tells me this debt is not clearing up the balance on my report. Please help get this resolved.
Product: Checking or savings account

On XX/XX/XXXX Bank of America performed unauthorized hard inquiry, soft inquiry and opened a Checking and Savings account without my approval using fraudulent information provided by an identity thief. I am the victim of identity theft and am doing my best to move swiftly in order to keep my information safe. I received a debit card as well as welcome letter in the mail and went to a branch in XXXX PA to get them to close the unauthorized fraudulent accounts. I provided all my information along with identifications in person as requested and the Branch manager XXXX XXXX. XXXX XXXX confirmed that this is indeed a case of identity theft and fraud using my information unlawfully. This occurred on XX/XX/XXXX. The card was sent in a name used by the identity thief. I have reported this to the fraud department at BOA and the point of contact XXXX XXXX assigned to me by their " resolutions '' team has been less than helpful. Same with XXXX XXXXXXXX. I have called on more than 10 numerous occasions and have not received a solution. I know that my information has been compromised and that Bank of America did not take adequate steps to verify information before opening accounts ( savings and checking perhaps even credit ) using my personal information provided by a identity thief. On XX/XX/XXXX I sent the Bank of America Fraud department a signed Affidavit along with all requested papers in response to the " investigation '' they performed on my behalf. I have done everything in my power within the course of 5 days that has been asked of me. 


THERE HAS NOT BEEN A SOLUTION TILL DATE.ITs not XX/XX/XXXX.
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 COMMISSION 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 blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXXXXXX Balance : - XXXX XXXX XXXX XXXX  XXXX Balance : {$580.00} XXXX XXXX  XXXX XXXX XXXX XXXX : {$53000.00} XXXX XXXX  XXXX XXXX XXXX XXXX : {$6500.00} XXXX XXXX XXXX Balance : {$230.00} XXXX XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX  N.A. ) XXXX XXXX Bank XX/XX/XXXX XXXX OF XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Balance XXXX {$690.00} XXXX XXXX XX/XX/XXXX
Product: Mortgage

I am filing a complaint against ShellPoint, the servicer of my HELOC with XXXX, for failing to grant me access to my online account to make necessary changes to my payment date. Currently, my payment date is the XXXX of each month, but I have been attempting to change it to the XXXX of each month to avoid accruing additional interest charges. 

I initially submitted a request for this change approximately a month and a half ago, but I have received no response or confirmation. Today, I called ShellPoint to follow up. The representative acknowledged that my request was received and that they could see my previous calls, but they admitted that the request was never processed on their end. As a result, I have been forced to continue making payments on the XXXX, causing me to accrue an additional 15 days of interest each month, which is increasing my costs unfairly. 

This issue has now persisted for nearly two months. ShellPoints failure to process my request in a timely manner and their refusal to grant me access to my online account to manage my own payments constitute unfair business practices. I am requesting that the FTC investigate this matter and ensure that ShellPoint allows borrowers to manage their accounts appropriately and make payment changes without unnecessary delays that result in financial harm.
Product: Mortgage

I need help working with Select Portfolio Servicing on my home mortgage. They advised me to not make payments to qualify for HAMP modification. Now, they have told me that I do not qualify for HAMP modification, and the home is in foreclosure. I only owe approx.. {$18000.00} on the home. Select Portfolio Servicing ordered an appraisal that values the home at {$67000.00}, 2 months ago. They have started foreclosure only since the appraisal was received, and they knew the equity was in the home. I have spoken with my local bank and they said the " ability to repay '' for my husband and me is within policy, according to the new XXXX XXXX requirements. We have fixed monthly income from Social Security and my husband 's pension. The only debts we have is our car loan and we recently paid off a small debt to " Whynotlease? '' We really feel they have advised us not to make payments until the review was completed. After the review was completed they said we did not qualify for a modification, and they began foreclosure. They realized there was equity in the home, and proceeded to foreclose for benefit of Select Portfolio Servicing. 
Please Help!! 
XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I signed up with American consumer credit counseling back in XX/XX/2018 to help put my credit card payments into a debt management plan making one lump sum payment and lower interest rates on my cards. After 5 months I was still being reported as late and damaging my score severely the company insisted it was my fault and continued taking my money monthly and doing nothing. Causing my score to tank. Horrible service
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX IS REQUIRED TO TERMINATE ALL UNATHORIZED CRIMINAL VISA CREDIT CARD ACCOUNTS WITHIN 15 BUSINESS DAYS THIS IS A REQUIREMENT BY THE CFPB IN FINANCIAL FRAUD BY THE TEXAS ATTORNEY GENERAL IN XXXX CREDIT CARD XXXX XXXX XXXX CASE # XXXX THIS WILL BE A REQUIRMENT BY FEDERAL LAW IN CONSUMER LENDING FRAUD BY XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX AND XXXX XXXX IN XXXX AND XXXX THE FBI IN XXXX XXXX XXXX INVOLVED XXXX XXXX CRIMINAL INVESTIGATIVE REPORT WITH CASE NUMBER AT XXXX XXXXXXXX XXXX iN XXXX XXXX XXXX TERMINATION REQUIREMENt BY CLAIMANT XXXX XXXX XXXX