23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Dear CFPB : We discussed the matter with a lawyer. He says this is a case of a loan-sharking and an armed robbery abusing escrow & foreclosure procedures. Victims count millions. 
Chase paid {$43000.00} for our taxes since XXXX, and we paid back as below. 
Chase paid We paid Escrow Balance XXXX XXXX {$7500.00} {$7500.00} XXXX XXXX {$7600.00} {$15000.00} XXXX XXXX {$15000.00} XXXX XXXX XXXX {$11000.00} {$11000.00} XXXX XXXX {$4800.00} {$6400.00} XXXX XXXX {$1300.00} {$7800.00} XXXX XXXX {$5800.00} {$1900.00} XXXX XXXX {$1900.00} XXXX XXXX XXXX {$8000.00} {$8000.00} XXXX XXXX XXXX {$2500.00} XXXX XXXX {$1000.00} {$1400.00} XXXX XXXX {$1400.00} {$42.00} XXXX XXXX {$6800.00} {$6800.00} XXXX XXXX {$1500.00} {$8400.00} Now, Chase is demanding us to pay ~ {$35000.00} : total ~ {$80000.00} = {$43000.00} + ~ {$35000.00} whereas : ( 1 ) as of XXXX/XXXX/XXXX, our mortgage is current and the balance is {$350000.00} on Chase 's book as {$350000.00} on our book ; ( 2 ) our payments have never been late and we are not in default ( see Book XXXX ). 
We do n't owe ~ {$35000.00} to Chase. 

Chase says if we do n't pay XXXX {$35000.00}, they 'll put our house on sale and steal {$300000.00} in equity. 
Apparently Chase is doing an armed robbery by abusing foreclosure procedures. 
Chase says they are following " the investor and lending guidelines. '' If so, the investor and lending guidelines they wrote are unfair, predatory, and criminal. 
If the court examines their investor and lending guidelines, it will find numerous violations of consumer protection laws and other laws. 

Did n't Chase do kickbacks and steal $ XXXX from homeowners a few years ago according to their investor and lending guidelines? 
Has n't Chase been doing loan modification frauds and stealing $ XXXX HAMP money from the government and homeowners according to their investor and lending guidelines? 
Has n't Chase been abusing foreclosure procedures ; harassing & threatening homeowners, and stealing $ XXXX from them according to their investor and lending guidelines? 
Has n't Chase committing numerous tax frauds according to their investor and lending guidelines? 
For these and other criminal practices President/CEO and Executive Teams of Chase Home Finance LLC shall end up standing a trial in a criminal court. 

Following the lawyer 's advice, we informed Internal Revenue Service ( IRS ), the HAMP administrator, and media outlets of Chase 's accounting problems, kickbacks, escrow abuses & loan-sharking, frauds in loan modifications and possible tax frauds.
Product: Mortgage

I took out a home equity line of mortgage with Chase in XX/XX/XXXX in the amount of {$10000.00}. From XX/XX/XXXX until XX/XX/XXXX Chase sent my coupons to another person in XXXX XXXX at the request of my husband. The other person was a CPA and together they did not want me knowing the home equity was being used with out my permission ( noone was paying the home equity either. I had no idea The balance went from {$4.00}, XXXX to XXXX, XXXX in one day ( XX/XX/XXXX ) to XXXX XXXX by XX/XX/XXXX and then to {$93.00}, XXXX by XX/XX/XXXX all with out my consult. 

If it was ok to do this without my permission why did they call me for payment. 
If I had no idea why should I have to pay?. That was XX/XX/XXXX. Chase is a major household name. If they did this to me, How many other people did they do it to. 

To have a major name do this to a human is unfair and unjust. It increased my XXXX no end. I was crazy with XXXX to the point I would do nothing else but pay them XXXX a month for 4 years. BOTH PARTIES SHOULD BE NOTIFIED NOT ONE BUT BOTH SIGNATURES. WHY IS IT OK TO SEND TO A STRANGER IN XXXX XXXX????? Chase should have seen the payments were not being made and looked to see why? My XXXX increased so bad. After I made the last payment I have not been able to hold since XX/XX/XXXX. I finally paid it off. This is wrong a persons coupons can go to a stranger in another state. because the other person on a loan said so. How many other times was this done? I would say at least XXXX times. I would like this investigated as to why both parties do not need to be aware? how many times Chase did this to people. I would like to have no XXXX like the days before my home equity. I would like to have a job again. The shock of knowing this is ok for a bank to do is incredible. It has caused so much XXXX I can not function. PLEASE INVESTIGATE THIS IMMEDIATELY. It is wrong of Chase to do this. If I had no idea, why dis chase hole me accountable to pay the home equity.? I should not have been responsible to pay since you never send me the coupons.
Product: Debt collection

Upon carefully reviewing my recent credit report, I found multiple accounts that seem to be inaccurately reported and were added without my consent.
Product: Debt collection

XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/1990 ADDRESS XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX FL XXXX ATTENTION DISPUTE DEPARTMENT ENHANCED RECOVERY CO L XXXX ENHANCED RECOVERY CO L XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for
consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious ENHANCED RECOVERY CO L XXXX ENHANCED RECOVERY CO L XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case XXXX XXXX, in the U.S. District Court for XXXX XXXX XXXX XXXX California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/1990 ADDRESS XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX, FL XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : I have received a copy of my XXXX credit report and I noticed some late payments posted on my credit report XXXX XXXX XXXX Loan Account number XXXX XXXX XXXX XXXX  Loan Account number XXXX Your company is in clear violation of the law. Under 15 USC 1681b permissible purpose of consumer rights the law clearly states ( a ) In GENERAL Subject to subsection see any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the written instruction of the consumer to whom it relates Did I give you written instructions to furnish this on my credit report?

Furthermore, the fair credit reporting act 15 USC 1681 ( 2 ) ( a ) ( I ) exclusions from a consumer credit report clearly states ( 2 ) Exclusions-except as provided in paragraph three the term consumer report does not include ( A ) subject to section 1681 of this title Any report containing information solely as to transactions or experiences between the consumer and the person making the report Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681 Failure to respond satisfactorily deletion of the above referenced account and sent out a free copy of my credit report after the changes have been made will result in legal actions being taken against your company for which I will also be seeking {$1000.00} per violation for 1. Defamation of character 2. Negligent embroiment of identity fraud 3. Fair debt collection practice ax 15 USC violations 4. Fair credit reporting act 15 USC 1681 violation for willing full noncompliance civil liability for willing for noncompliance 15 USC 1681
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern ; Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by Equifax Data Breach here Is proof.

I was a victim of Identity Theft and I already asked you to block these items in my previous letter.

Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of 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 by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
The following items need to be removed and blocked as they are fraudulent.

1. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX  XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 2. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX  Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 3. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 4. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 5. 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports XXXX Account Number : XXXX Please remove it from my credit report. 
6. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 7. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX Account Number : XXXX Delete this account. 
8. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. 
9. there is some inaccurate information reporting. 
XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX XXXX  # XXXX, has violated my rights. 
XXXX XXXX XXXX # XXXX has violated my rights. 
XXXXXXXX XXXX  # 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 a account without my written instructions
Product: Credit reporting

I went to get my free annual credit report from Experian and basically to do it, I would have to get charged XXXX dollar and get forced into a trial period for a service I do not want. I also looked at XXXX and XXXX XXXX and found the same thing. I am concerned about identity theft, as I had recent unauthorized activity on one of my credit cards, but I have to pay and be forced into a trial of a product or service I do not want to be able to check my credit, even for the first time in a year. I find that not only deceptive and unfair, but bordering upon abuse of the public to force them to buy services or products in order to get a service that is supposed to be free once a year. When I told Experian I wanted a free credit report, they referred me to yet another site that is neither of the XXXX bureaus.
Product: Debt collection

XXXX XXXX XXXX.,  XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX, XXXX, WA XXXX, sent me a collection letter ( ref. Client Acct. # XXXX ) for a debt I did not owe. Further, XXXX sent this letter to my new address indicating it fraudulently accessed my credit information without authorization. It also used my personal information to acquire my contact number and send me harrassing phone calls.
Product: Credit reporting, credit repair services, or other personal consumer reports

Unauthorized Inquiry XXXX XX/XX/2018 2018
Product: Money transfer, virtual currency, or money service

In XXXX, I contacted PayPal after recieving an alert that my password had been changed. I had not changed my password and when I logged in, I saw that a debit card that did not belong to me had been added to the account. I was not able to get anyome on the phone so I communicted via PayPal 's message center with an agent. I was blown off and treated like the card was obviously added by somone in my household. I insisted it was not. I asked if a merchant could have added it as a form of a credit for a return and got not real answer so I left the card on my account thinking it must have been that. Fast forward to XXXX XXXX. I again got an email in the middle of the night confirmiong I had changed my password. I had not. This was followed by a half-dozen emails from PayPal about transactions I had nothing to do with. I never sold anything to anyone or requested money from anyone. The person who hacked the account, had money sent to the debit card I had alerted PayPal to months before. I quickly deleted the debit card and tried to contact PayPal. I got a basic message back telling me I was smart to delete the card and that was it. In the meantime, all these people opened cases against me for refunds. The choices I am given to respond are : I alrwady refunded them, I will refund them or I shipped the item. I HAD NOTHING TO DO WITH ANY OF THESE TRANSACTIONS!! And those are the choices they give you. I have called no less than a hundred times but yuo can't get an agent over the phone. I have emailed them the entire story with no response. I have tried their " Virtual agent '' again and no one responds. The cases total around {$500.00}! This is insane. PayPal 's security failed me and they are charging me for it. It seems like an obvious scam - adding a debit card to someone's account and then getting money sent to the card and transferring it from there. But PayPal blew me off when I reported it and now I can not even get a human being to help me. On top of that, the people who got conned have my email address from the transaction and have sent me threatening emails for taking their money. So not ony has PayPal disregarded my financial security but my personal safety as well.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX NONE OF THESE ACCOUNTS ARE MINE THEY ARE ILLEGAL!!! 

Writing to dispute these ILLEGAL COLLECTIONS AND INQUIRIES ON MY EXPERIAN REPORT! THESE ITEMS ARE ILLEGAL AND UNAUTHORIZED AND NEEDS TO BE REMOVED IMMEDIATELY FROM MY XXXX, XXXX, AND EXPERIAN REPORT. MY INFORMATION WAS BREACHED VIA XXXX BREACHES, XXXX BREACHES, AND ALSO EXPERIAN. YOU GUYS HAVE FAILED TO DO YOUR JOB AS CREDIT BUREAUS IN PROTECTING YOUR CUSTOMERS INFORMATION AND AS A RESULT I STILL HAVE ILLEGAL ITEMS BEING REPORTED BECAUSE OF YOUR CARELESSNESS. 

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 ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Thank you for your time and help in this matter. 

Sincerely, 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
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX and list of Inquiries. 

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

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

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

In accordance with the Fair Credit Reporting Act the following accounts have violated my rights as a consumer : XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXXT Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX  Account Number : XXXX 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 : Also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

AS OF XX/XX/ I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE XXXX XXXX XXXX  XXXX 8 POTENTIALLY NEGATIVE MONTHS Credit usage 100 % Balance {$5200.00} Balance updated XXXX XXXX, 2023 Credit limit {$4500.00} Account info Account number XXXX Open/closed Closed Date opened Status Account charged off. {$5200.00} written off. {$5200.00} past due as of XXXX XXXX. 
Status updated XXXX XXXX  Past due amount {$5200.00} Highest balance {$5900.00} Monthly payment - Contact info Address XXXX  XXXX XXXX XXXX XXXX XXXX, PA XXXX Phone number ( XXXX ) XXXX CREDIT THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. My information was also impacted by the XXXX data breach and they have got into the hands of the wrong person. I demand that this incorrect, inaccurate, and unverifiable information on my credit report be immediately removed, this is a violation to FCRA. Here are the following date disputes was sent, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX
Product: Credit card

Recently I opened an account with Barclays USA just before my scheduled trip to XXXX. On XX/XX/year> I have received a notification of a statement however the Barclay Card USA is blocking the access to my online account as I am using a foreign IP address and apparently the site also doesn't recognize my XXXX device. 
To that effect on XX/XX/XXXX ( XXXX time ) I called the Barclays customer service and first the agent in the XXXX hang up on me when transferring the call to the " specialist '' to help me with my request. 
Then on the second call I received a US CSR who was unable to offer assistance ( it was very noticeable that her speech was slurred showing impairment ). When I requested to speak to the supervisor I was told that nobody is unavailable and to call early in the morning US time ( middle of the night here ) to get a customer service supervisor to help me. The way this issue is being handled by the Barclays shows an utter and complete contempt for the US customers using their cards as their customer service set up is dysfunctional and not able to provide a basic service. I am only asking for a credit card statement so I can pay it. The bill is uncharacteristically high that's why I want to review it before the payment. Yes this request is that simple and for whatever reason Barclays is unable to comply with it. According to the US Federal laws the customer is entitled to the credit card statement before payment so I do not understand why Barclays is unable to comply with my request as it blocks the access to its own website.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Subject XXXX Request for Documentation of Permissible Purpose for Credit Inquiries Dear TransUnion , I am writing to formally request documentation verifying the permissible purpose under the Fair Credit Reporting Act ( FCRA ) regarding credit inquiries made by the following entities : XXXX. XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XXXX - XX/XX/XXXX XXXX. XXXX XXXX - Bank - XX/XX/XXXX According to the FCRA, Section 604 ( a ), permissible purposes for obtaining a consumer credit report include, but are not limited to : XXXX. In connection with credit transactions involving the consumer, XXXX. When a legitimate business need exists for the information in connection with a business transaction that is initiated by the consumer, or XXXX. For the purpose of underwriting insurance. 

In the event that the above-named companies can not provide sufficient documentation showing that they had a permissible purpose for these inquiries, I request that these inquiries be removed from my credit report as required by FCRA 604 . 

Furthermore, FCRA 607 ( a ) establishes the responsibility of credit reporting agencies to follow reasonable procedures to ensure maximum accuracy of the information reported. If inquiries are found to lack permissible purpose, they must be deleted from my file in accordance with the guidelines laid out in 605 ( a ) ( 5 ). 

I appreciate your prompt attention to this matter and expect a written response within XXXX  days indicating the results of your investigation. 

Thank you for your cooperation. 

Sincerely, XXXX XXXX XXXX XXXX