23daVinci/CFPB_Complaints huggingface dataset:
Product: Consumer Loan

I LEASED MY XXXX XXXX FROM CHASE. I BOUGHT OUT MY LEASE AND REFINANCED WITH XXXX. I CLOSED ON MY LOAN ON XX/XX/XXXX AT WHICH TIME THE ODOMETER DISCLOSURE STATEMENT WAS FAXED TO CHASE BY XXXX ALONG WITH ALL OF THE OTHER NECESSARY PAPERWORK. I RECEIVED 3 REQUESTS FOR YET ANOTHER ODOMETER STATEMENT XX/XX/XXXX. I HAD XXXX FAX CHASE YET ANOTHER ODOMETER STATEMENT ON XX/XX/XXXX. ( CONFIRMATION ENCLOSED ) I CALLED CHASE TO MAKE SURE THEY RECEIVED THE ODOMETER STATEMENT. THEY SAID THEY DID AND THAT I COULD EXPECT TO RECEIVE THE TITLE TO MY VEHICLE THE WEEK OF XX/XX/XXXX. TO DATE I HAVE NOT RECEIVED MY TITLE. CHASE HAS MY MONEY, XXXX HAS MY LOAN AND I HAVE NOTHING. CHASES REPRESENTATIVE IS VERY DIFFICULT TO REACH. SHE STATES HER EXTENSION IS XXXX, THERE IS NO SUCH EXTENTION. I WENT TO THE XXXX, THURSDAY, XX/XX/XXXX. THEY LOOKED IT UP AND TO DATE CHASE HAS NOT RELEASED THEIR LIEN.
Product: Credit reporting

On XXXX/XXXX/XXXX my credit institution ( University XXXX XXXX XXXX via XXXX ) sent me my credit score ( Equifax XXXX ), which was much lower than in the past, indicating I should check my account for fraud. On XXXX/XXXX/XXXX I ran a credit report and saw XXXX XXXX # XXXX ( XXXX ) listed. Balance {$4900.00}, Original Creditor : XXXX ( XXXX XXXX, Placed for collection : XXXX/XXXX/XXXX. I called the collections agency who said they had called and spoken to a " XXXX XXXX '' on XXXX/XXXX/XXXX regarding the account being in collections. I did not receive this call and this is not my account. The collections agency reported the acct was in my name and same last XXXX digits of my social sec # but a different address. I then called XXXX and reported fraud/identity theft and a fraud claim was started ( reference # XXXX ) and notified the collections agency. I also submitted an identity theft claim to XXXX ( file # XXXX ) and Equifax webmail dispute online. I then called and reported this to XXXX County Sheriff 's Dept. ( case # XXXX ). This is not my XXXX account that was sent to collections at XXXX. This is identity theft/fraud. I am requesting it be removed from my credit report and my credit score be reset to what it was prior to this incident. XXXX has investigated this incident and removed the fraudulent claim from my credit report on XXXX/XXXX/XXXX.
Product: Mortgage

LoanCare acquired my loan in XXXX. They claim they didnt receive all paper work from the previous lender until around XXXX but during this time I was attempting to do a modification and had started the process with the original lender. It took them over 4 months to tell me they couldnt modify the loan. Of course during the modification period they dont want you to make payments because that suggests you dont need assistance. And that means it has hit my credit as late payments for 5 months. They informed that foreclosure proceedings had not started so I could pay the late payments if I intended to keep the home. This is a secondary home so I decided to sell it. I got an immediate cash offer on the home within a few days and we were scheduled to close on XXXX XXXX. I contacted them to let them know I had a contract on the property and the date of the closing so they wouldnt begin the foreclosure process since it would be paid off in 2 weeks. They said it had not started so they would note that Im selling on the XXXX. The title company and I both requested a payoff on XXXX XXXX. I had to call multiple times for it and was always told it was being processed and would be sent by the end of business. Fast forward to yesterday, the XXXX, and the title company still had not received the payoff. I contacted LoanCare and told them we were scheduled to close that morning in less than an hour and we had been given the runaround for this payoff for 10 days and still hadnt received it. They told me that my loan was sent to the foreclosure attorney on Saturday the XXXX and I would have to get the payoff from them! So basically they held up providing the payoff and rushed to gather the documents to send to the foreclosure attorney in an effort, Im sure, to collect more money by tacking on additional fees, interest, and the possibility of me losing the home so they can resell. Whatever the rational is, its unethical when I could have remedied the default on the entire loan yesterday and there would have been no reason to send to foreclosure. Now Im in limbo waiting for them to send the numbers to the attorney before I can close. I even spoke to them Saturday about the payoff, obviously while they were scheming to get my file sent to the attorney, and customer service said it had been processed and the title company would have it Monday morning. They are liars and unethical. I am looking into if they proceeded with my account properly or if any state laws were broken with the way they held up the sell of my home in an effort to get more money out of me.
Product: Credit card

I has been payment with company ( US BankXXXX XXXX ) for few years. something happens to behind payment for few days. and called to company then need to disputed the cost. XX/XX/year>. they got angry and hung up for no reason. later next month I got another billing. said charge for non payment. then I decided to call them again. then they do angry and hung up again. so told them to dispute the cost and owed them nothing. and told them to close my account with card. they said no keep it til tail formation. I told them no more working with them anymore. then they hung up forward again. then called other the Reward Center to collect point earning then they disconnect the phone. they steal my reward earning. That's very bad business.
Product: Debt collection

In XX/XX/XXXX I moved out of an apartment and I contacted XXXX to pay my balance due and cancel my contract. 5 years later in XX/XX/XXXX I checked my credit report and they are reporting me in collections. I was never notified by mail, phone or email and I confirmed they have had all my information on file.
Product: Checking or savings account

Two summers ago, I was transitioning my business checking account away from Citizens Bank and to another financial institution. I left approximately {$1000.00} in my account for incidental and to cover miscellaneous outstanding items. I recently received notification from Citizens that my account was overdrawn. Upon looking into the matter further I discovered that there has been a preauthorized debit from a company called XXXX in the amount of {$77.00} which has been taking place since XX/XX/year>. The total amount withdrawn from XXXX is roughly {$6200.00}. 

I didn't even know who XXXX was. Apparently, they are a company that accepts credit card payments and applies them to your account. I find this very unusual because I don't accept card payments of any type. I did contact XXXX to address the situation, but they have been less than helpful and unable to provide the original signed contract. They did open a claim and are aware of the situation. 

I also attempted to submit a fraud claim with Citizens Bank who holds my business account. They indicated that the issue at hand might be with XXXX. While XXXX stated that I would have entered into this relationship with my banker at Citizens Bank. 

Neither institution has been able to provide me with a signed contract which indicates I agreed to enter into this relationship, they both just keep pointing the finger at each other. 

Citizens Bank forced me to go paperless with my statements or I would receive a paper statement fee and I don't do online banking which is why this has not been addressed sooner. 

XXXX did confirm that I have never utilized this service. So, I paid over {$6000.00} for a service which I have NEVER utilized? Would love to hear how that makes sense. 

I want a signed copy of the original contract, and I want to be reimbursed the over {$6000.00} which has been withdrawn from my account.
Product: Debt collection

XX/XX/2020 at XXXX XXXX, I answered a call that showed up as " Restricted '' on my cell phone. The person who called asked for " XXXX. '' I said I was XXXX, and he transferred me to another line. The person asked if I was XXXX. I said yes. At no time did he ask for my last name. After repeated requests for identification, he identified himself as " XXXX XXXX '' ( unsure of spelling XXXX from Midland Credit Management. He stated that there was a pending lawsuit against me regarding some XXXX credit card debt.
Product: Credit card or prepaid card

I called American Express last week ( XX/XX/XXXX ) to request a credit limit increase, and asked if my interest rate could be lowered. The agent on the phone told me to give him a couple of days. This past Wednesday ( XX/XX/XXXX ) I went to book a flight with American Express Travel, the agent got it set up, and then we hung up. Hours later I get this email, and American Express tried to call me ( but I was driving and did not answer ) to let me know that my card was declined. I pulled over and called them back, and kept being tossed around the world. I was on hold for over 20 minutes. Someone finally picked up the phone and told me my card was suspended for three days while they do a credit check. The agent also said, " we sent you an email. '' I get 100 emails a day between personal and work! Why not pick up the phone! At the time I was making the reservation the travel agent did not try to charge my card while I was on the phone, and did not inform me that my card was suspended for three days. This really interfered and impacted my life, because I have a mobility impairment. I was trying to get the best seat so that my XXXX could be secured, and I was going to be safe. I have been a loyal customer for 15 years, and they go and do this to me? These companies do not need to send the work to other countries, because they do not understand some Americans accents, and some do not understand the meaning of customer service.
Product: Debt collection

Upstart only provided a letter stating that this was sold to XXXX XXXX XXXX. I was not provided with any other documents. i need this fraud company to removed this from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax credit bureau/equifax stated they updated an address. I did not contact them about an address. They are not reading my complaints and sending templates once again. I reached out to delete the accounts that the investigation was pasted 30 days.
Product: Bank account or service

I recently went into Bank of America 's branch that is located in XXXX, TX to deposit two claim checks that was made payable to both me and my mortgage company. One check was from XXXX and the other was a XXXX check. The mortgage company endorsed the checks and I went in to deposit them to my checking account. Where I was told by the branch manager that they could not take the checks because they were a third party check. The XXXX check was drawn from a Bank of America account. Called customer service and they said that all claims checks were a third party check and Bank of America would not accept that. The checks were dual signatures checks requiring two signatures, I do not believe that these are a third party check. They would not take the checks, not even put them into my account with a hold till the checks cleared.
Product: Debt collection

BACK IN 2018 WAS CONTACTED BY THIS COMPANY TRYING TO COLLECT A DEBT OWED BY XXXX XXXX, IN XXXX, I HAVE NEVER LIVED IN XXXX, AND THAT IS NOT MY NAME, THEY REMOVED IT, AND NOW THEY HAVE SOLD THE DEBT TO A NEW COMPANY ATTEMPTING TO COLLECT. I FILE A POLICE REPORT XXXX XXXX XXXX XXXX CASE # XXXX. 
XXXX FILE NUMBER XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX  XXXX account # XXXX, XXXX account # XXXX, XXXX XXXX XXXX account XXXX XXXX, XXXX XXXX account # XXXX, XXXX XXXX account XXXX XXXX, XXXX XXXX account XXXX XXXX, XXXX XXXX  account # XXXX, XXXX XXXX  account XXXX XXXX XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX  XXXX account # XXXX, XXXX XXXX  XXXX account # XXXX XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX XXXX  account # XXXX XXXX XXXX XXXX ( XX/XX/XXXX ), XXXXXXXX  ( XX/XX/XXXX ), XXXX  XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX  XXXX XXXX XX/XX/XXXX ), XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX  ( XX/XX/XXXX XXXX XXXX XXXX XXXX  ( XX/XX/XXXX ) XXXX XXXX XXXX XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), has violated my rights.

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 an account without my written instructions.
Product: Credit reporting or other personal consumer reports

Please remove these accounts as they are hurting my credit report. Also was impact by XXXX XXXX breach XXXX XXXX XXXX XXXXXXXX EXETER FINANCE LLC
Product: Checking or savings account

I recently opened a checking account two prior with Chase JP Morgan bank. After filling out the application for the account, having it approved and issued a account number as well a debit card for the account my access to the account was stripped as I were unable to bank. I gave the institution a call to inquire as to why my account had been blocked and the reason they gave me was that the bank had made a discretionary decision to terminate my account due to reason as follows : -The bank could not maintain the account. 
As I mentioned, this account is only two weeks old and has not had any activity since its opening. The bank assessed a $ XXXX  monthly maintenance fee to the account for such reasons or as it advertised such fee was applicable for. 
I feel the bank targeted and discriminated against me on the basis of common occurrence such as my skin tone as the bank maintains millions of accounts in masses of trillions of dollars and the reasons specified in regards to the closure of the account are not justified.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my Follow-up request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX XXXX Balance : {$1800.00} XXXX XXXX XXXX XXXX ... Balance : {$39000.00}
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX fraudulently used my nonpublic personal financial information by disclosing said private information to nonaffiliated third parties without my consent. 
I was never provided full disclosure of my privacy rights under the Gramm-Leach-Bliley Act ( 15 USC 6802 ). XXXX XXXX XXXX XXXX is depriving my rights under the color of law ( 18 USC 242 ). And is attempting to collect extensions of credit by extortionate means ( 18 USC 894 ). 

Said information was shared without authorization nor consent to nonaffiliated third parties, including but not limited to XXXX, TRANSUNION, XXXX. By way of identity theft, said third parties are conspiring to collect extensions of credit by extortionate means ( 18 USC 894 ).
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fourth 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, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion XXXX XXXX XXXX, CA XXXX ; XXXXXXXX XXXX XXXX  XXXX, CA XXXX ; XXXXXXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXXXXXX XXXX XXXX ( Original creditor : XXXX ) XXXX Balance : {$390.00} ; XXXX XXXX ( Original creditor : XXXX XXXX ) XXXX Balance : {$490.00} ; XXXX XXXX XXXX ( Original Creditor Name XXXX XXXX XXXXXXXX ) XXXX Balance : {$2100.00} ; XXXX XXXX XXXX Inquiry : XXXX XXXX, 2022 ; XXXX XXXX Inquiry : XX/XX/2022.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is purposefully trying to alter my credit score in a negative way because I have previously filed a complaint against them for incorrect information. My XXXX XXXX XXXX account is not a charge off the account is paid in full. I have the paperwork here to support that. Since I filed a dispute on Experian a month or so ago they have purposefully lowered my credit rating XXXX points and then again XXXX points, even though I have taken my credit utilization below 30 % and paid all my bills on time. They currently list my available credit at 100 % and yet they keep lowering my score. This is not correct business practice. My husband and I are trying to buy a house and I believe that Experian is purposefully targeting me and altering my credit report. My XXXX XXXX XXXX  account was paid in full and closed in XXXX. The correct wording needs to be applied to my account and it is not a charge off. My XXXX XXXX is not a change off either. I have disputed both of these accounts before in the past and they have corrected the information, then in the last few days Experian has decided to purposely alter my credit report to harm me. They are doing this on purpose and they are doing bad business and affecting my life in a negative way. I have worked very hard the last two years to improve my credit score and pay off my debts. The other two credit bureaus reflect the correct information and they have improved my score to both over XXXX currently and reflect the right information as of now. This is abuse by Experian and I am really hurt and frustrated. Please look into their behaviors and this error. This is not fair or correct
Product: Credit card or prepaid card

My data was breached in the CapitalOne XXXX attack. 

However, upon visiting the CapitalOne class action settlement website, I was unable to file a claim, because Capital None did not send me a unique ID and PIN, which they require to submit a claim. 

The website at https : //www.capitalonesettlement.com/en is completely useless. I tried emailing the XXXX and all I got was an autoresponder email message with the exact same stuff on the FAQ and then linking back to the website! 

I then tried calling the number XXXX and all I got was a robo message asking me if I want to listen to the website read out to me. 

I even emailed XXXX Nobody is responding to my emails or picking up when I call. I am stuck. I want to file a claim. The deadline is approaching in XXXX. I can not afford to wait. 

I am at my wits end! CapitalOne has made it impossible for me or anyone else to file a claim. They have perfected the art of being slothful. How can they continue to be licensed as a bank? 

I need someone from CFPB to help. Please help!!
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a credit check on my account that I am attempting to dispute. The number provided by Experian to contact them regarding this puts me in an infinite loop of phone menu items before it hangs up on me. They need to provide an accurate phone number to contact them, preferably one that's not going to waste peoples ' time with a revolving menu.
Product: Mortgage

XXXX - XXXX debited bank account for XXXX for XXXX mortgage payment not due until XXXX. when we complained they reversed it. 
XXXX - XXXX debited bank account for XXXX for XXXX mortgage payment not due until XXXX. 
they stated nothing they can do until banks open Monday. 
These two incidents impacted our vacation. I was delayed returning home from out of town on the first instance, and now need to travel for business on Monday and not expected to be credited until close of business on Monday. 
XXXX XXXX  XXXX, TX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. My request for the correction and removable of the erroneous information about my inquiries has been diligently neglected by Equifax. Despite sending them the last complaint, dated XX/XX/2021, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiries is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the inquiries that are still reporting on my account and needs to be REMOVED COMPLETELY FROM MY CREDIT REPORT : XXXX  Date of inquiry XX/XX/2021 XXXX  Date of inquiry XX/XX/2021
Product: Credit reporting or other personal consumer reports

Dear XXXX, According to The Law 15 U.S. Code 1681, I am writing to formally dispute inaccurate information on my credit report. Upon reviewing my credit report, I noticed that there is an error regarding this information, such as the Vehicle is PAID OFF and I've Received Title So It Should NO LONGER BE REFLECTED ON CREDIT REPORT. The specific account in question is XXXX associated with XXXX XXXXXXXX XXXX. A COPY WILL BE SENT WITH THIS REPORT AS PROOF. And it violates the Law 15 U.S.C. 1692g is a section of the Fair Debt Collection Practices Act ( FDCPA ) that requires debt collectors to stop collecting debts if a consumer disputes them. 

According to my records, the information being reported is incorrect, and I would like to request that you investigate this matter.
Product: Credit reporting or other personal consumer reports

I'm XXXX XXXX XXXX and I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX XXXX Balance : {$1900.00} XXXX XXXX XXXXXXXX Balance : {$3200.00}
Product: Credit reporting or other personal consumer reports

I am requesting the my balance on my XXXXDepartment of Education account be updated as closed/paid in full per the attached document submitted which is a IRS notification from the IRS and the company . 

I tried speaking to the companies but it appears that they said sometimes there system glitches and it doesn't get the information, which explains why i am trying to resolve it through the CFPB.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to XXXX XXXX XXXX  1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and would like for all listed accounts to be blocked and deleted company information Transunion. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

XXXX pre - expedited screening UE ID : XXXX Service : XXXX - Enroll