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

Around XX/XX/XXXX, I reopened my USAA checking and savings accounts. During this time, I was searching for a personal loan due to being in the final stages of building a home. By XX/XX/XXXX, I ended up applying to a lending company that asked a few questions I felt were about personal information, but I applied anyway and soon after that I started to notice suspicious activity occurring on my account and an unknown external account, which I never authorized to be attached to me account. I notified USAA as soon as I found out about this on several occasions and asked to have the account detached from my profile and the money returned to wherever it came from. I was told that the account belonged to XXXX XXXX when I spoke to one of the representatives and I explained to her that have never owned an account with XXXX XXXX. In XX/XX/XXXX, when deactivated the debit card attached to the account, I started receiving threating text messages and phone calls from someone regarding the money and this account. Immediately, I went and filed a police report at my local department. Shortly after, I received correspondence from USAA stating that they were no longer going to do business with me due to the suspicious activity on my account and although I made numerous calls before and after these letters, I had been given the run around and routed through several departments to be told that my calls were not recorded or there was nothing that could be done about the situation. In XX/XX/XXXX, I received two letters stating that USAA was able to garnish my Federal Income Taxes and my Military Pay. I dont know how this has been able to happen because I havent heard from this company since XX/XX/XXXX. I was a victim of fraud and I can not afford to have over {$6000.00} taken from me when I didnt paly any part in this situation and I notified this bank on numerous occasions to try to stop this from occurring. Can you please help me?
Product: Credit card

Chase Bank Attn : Customer Service [ Chase Headquarters Address ] XXXX XXXX, NY XXXX Chase Card Services Attn : Customer Service XXXX XXXX XXXX XXXX, DE XXXX Subject : Final Notice- Intent To Sue - Demand for Transfer of Applied Credit and Accountable Notes Dear CEO XXXX XXXX , CFO XXXX XXXX I am writing this letter as a final notice regarding the transfer of all applied credit and accountable notes to my account ending in XXXX, which is due to the principal account. I regret to inform you that if these matters are not resolved promptly, I will be left with no choice but to take legal actions to seek resolution. 

I would like to reiterate that all billing statements have been accepted and endorsed by me on behalf of the principal debtor as surety for the principal. They were sent to Chase headquarters located in XXXX XXXX, NY XXXX, with tracking number XXXX, as well as Chase Card Services at XXXX XXXX XXXX, XXXX, DE XXXX, with tracking number XXXX, which was signed for upon completion of delivery. Additionally, I made another attempt to claim all applied credit and accountable notes on XX/XX/2023, with tracking number XXXX. 

It is of utmost importance to express that I have approached this matter in good faith and with clean hands. I have made numerous attempts to claim all applied credit and accountable notes, specifically addressing CEO XXXX XXXX and CFO XXXX XXXX. Regrettably, they have failed to fulfill my request and neglected to respond, leading me to believe that they are intentionally disregarding these matters. 

I want to emphasize that the performance of the CEO and CFO of Chase Bank constitutes a material breach that impairs and destroys the essence of our contractual agreement. As a result, I am left with no choice but to pursue legal action, seeking damages for breach of contract, negligence and defamation of character. 

I sincerely hope that this final notice will prompt swift action to resolve these matters. However, if my demands are not met within a reasonable timeframe, I will proceed with legal action to recover the damages caused by the breach of contract by the CFO and CEO of Chase Bank. 

I trust that it will not come to that, and I look forward to a swift resolution of this matter. Please acknowledge receipt of this letter by contacting me at the phone number or email address provided below. 

Thank you for your immediate attention to this urgent matter. 

Yours sincerely, Done in good faith By : XXXX, XXXX XXXX, surety, Grantor
Product: Debt collection

Trying to settle with Conserve who was outsourced by XXXX which is the company that deals with financial accounts for XXXX online. I do owe XXXX to the school. I lost my job and could not pay. I now am trying to pay and spoke to Conserve about a settlement. I will pay XXXX plus some fee, but not XXXX. Which they are trying to collect and not even negotiate. Even XXXX was trying to reach out because they do n't understand. I asked conserve where this excess fees came from, and they just said that they can tack on anything.
Product: Credit reporting, credit repair services, or other personal consumer reports

TRANSUNION REFUSE TO TAKE INFORMATION THAT DOESNT BELONG TO ME OFF MY CREDIT REPORT I HAVE SENT PROOF OF MY CURRENT ADRESS AND CURRENT MAIL PROOF OF DRIVERS LICENSE
Product: Debt collection

Transworld Systems has called me repeatedly attempting to collect a questionable medical debt from a provider dating back to XX/XX/2014. Recently, they began calling my daughter on her cell phone attempting to collect the debt. 
I have never received any documentation establishing the validity of the debt from either the provider or Transworld. I contacted Transworld today and spoke to an agent, XXXX XXXX, demanding that Transworld immediately cease and desist from calling my daughter or any other family member, and requesting detailed documentation that established the validity of the debt.
Product: Credit reporting or other personal consumer reports

I am writing to follow up on my previous correspondence dated XX/XX/XXXX, in which I disputed the following collection account on my credit report pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and the Consumer Financial Protection Act ( XXXX ) : Creditor/Collection Agency Name : XXXX XXXX XXXX Account Number : XXXX Amount : {$1300.00} Date of Account : XX/XX/XXXX
Product: Student loan

I have had a loan with XXXX XXXX for about 2-3 yrs, then it changed to Navient and I have been needing assistant with repayment or at least trying to make payments on my loan but could not afford to make the payments because they were to high. They company always offer a forbearance as the first option but nothing else. I am highly frustrated because this loan affects my credit score and any loan that I have ever applied for. I need help to get this taken care of.
Product: Credit card

I have an account with the pay later platform Afterpay. Afterpay claims if your having payment issues to fill out the forms and they will help you. Same thing when their is a problem with your payment methods. My bank account was frozen due to fraud. I filled out the form with afterpay and now they completely are ignoring my messages. They took all rewards and points from me when they claim they will not. I contacted afterpay prior to any payments being missed or late. They have not removed old payment methods I instructed them to do. I've sent the emails from my bank as well. They claim to help customers just to get them riped in so they can ruin their credit if they experience a hardship
Product: Debt collection

I am a victim of identity theft and I am not responsible for this debt.
Product: Credit card or prepaid card

I checked my statement for XX/XX/XXXX on XX/XX/XXXX. At that time, I noticed that the bill amount was {$42.00}. That was not the same amount on my credit card receipt, where I was charged {$42.00}. Since I only used the card on XX/XX/XXXX during the recent billing cycle, I thought the restaurant where I used the card might have mistakenly charged me. However, when I carefully scrutinized the online statement, I discovered that Citibank had charged an additional {$0.00} for Payment Safeguard, a program which I never enrolled in. Alarmed, I checked all my monthly statements as many as possible. The oldest statement I could obtain online was the XX/XX/XXXX statement. During the two-year period, I discovered that Citibank charged the Payment Safeguard fee five ( 5 ) times, totaling {$5.00}. 

Before I called Citibank, I reviewed my cardmember agreement, including one on the Citibank website, but found no mention of the fee in question. Then, I researched the Payment Safeguard fee on the Internet, and discovered that Citibank has had issues with charging customers this particular fee. Customers have complained in the past that they were unaware of the existence of this fee, only to be told that they had, in fact, signed up for a protection program which allowed the bank to charge the fee. 

I became aware of this fee on XX/XX/XXXX, after careful scrutiny of my recent charges. I did not request enrollment in the program. I have no idea how I became enrolled in the program. On XX/XX/XXXX, I contacted Citibank and explained the situation to them, only to be confronted by an incredulous sounding operator who commented, You did not know that?, concerning my enrollment in the program. I found the comment offensive, as it suggested that I was oblivious as to how I handled my credit card. I requested immediate cancellation of this Payment Safeguard protection, as well as a refund of the money I paid under the usual payment process ( unaware that part of my statement payment was going towards the protection program ). 

The operator told me that a cancellation form would be mailed to my home within 30 business days, but there was no guarantee for a refund of money paid for a service that I did not request. When I mentioned that my research into the program revealed previous incidents where customers reported being unaware of their enrollment in such a program and that the bank was ordered to refund customers payments, the operator replied such reports were unfounded and erroneous. How can this be when my situation sounds so similar to other customer complaints I discovered during my research?
Product: Credit reporting, credit repair services, or other personal consumer reports

Mid XXXX I had notice a collection from XXXX XXXX and XXXX XXXX was removed from my credit file. My credit score had increased thats why I noticed. Also the credit files of other people on that account had noticed as well that it was removed. 
Beginning of XXXX I had noticed it was reinserted without notifying me within the 5 day period of the collection being reinserted. I had tried to dispute it on my credit karma file I wasnt able to write why it needed to be deleted from the credit file. So this leads me to make a complaint out. I would like the collection deleted off the credit file due to them not following proper protocol. Thank you
Product: Credit reporting or other personal consumer reports

The items listed below are reported on my personal credit file and were found in my reports with 3 credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regard to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX Balance : {$1600.00} XXXX XXXX XXXX Balance : {$160.00} XXXX XXXX XXXX XXXX Balance : {$230.00} XXXX XXXX XXXX Balance : {$5400.00} XXXX XXXX XXXX Balance : {$100.00} XXXX XXXX Balance : {$340.00} XXXX XXXX XXXX XXXXXXXX Balance : {$230.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card or prepaid card

On XX/XX/2019 I mailed and filed a taxable event with the IRS and the US Treasury and gave notices and copies of the taxable event to the Capital One credit card company. A 1040V payment voucher - {$490.00} to the U.S. Treasury and a 1040 to the IRS. 

On XX/XX/2019 I receive letter correspondence from Capital One stating, Thanks for contacting us about your Capital One account. We have recently been asked to update the account by a third party. Due to privacy laws, we need your consent to fulfill this request. You can either call to have your request completed or, if you prefer send us documentation showing that the third party has Power of Attorney, or a signed letter of consent, allowing us to release or change your account. 

I mailed my letter of consent shortly after receiving the letter. Then on XX/XX/2019 Capital One sent me another letter stating, As requested, we've done the following : We removed your name and address from future Capital One credit offers. 

Then on XX/XX/2019, Capital One sent another letter with a credit card offer with the subject as Re : Your account number ending in XXXX. We're happy to provide the MasterCard Platinum  benefits you requested. 

Since XX/XX/2019 to XX/XX/2019 ; I have called the Capital One customer service telephone line several different times asking Capital One to correct the mistake of closing the account and to re-open the account and to adjust the amount accordingly, but they have failed to reopen the account and have failed to resolve the issue in a timely manner. 

On XX/XX/2019 ; I called Capital One general inquires telephone line and spoke with XXXX, employee ID XXXX. XXXX was helpful and investigated the matter further. She stated that the account was closed because of missed payments or having credit over their acceptable limit. She found that I missed one payment but it was a long time ago, so all of my payments were on time. I stated that all of the information Capital One representatives were providing me sound very fraudulent and then she escalated the issue to her supervision, XXXX XXXX ID XXXX. XXXX took my feedback that the account was closed fraudulently and that my payments were mostly all on time and submitted for Capital One team to review the problems and to reopen the account without guarentee.
Product: Debt collection

VALIDATION AND CEASE AND DESIST Re : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX Account # : XXXX To whom it may concern, I received a debt collection letter from you. Do you have the right person? Can you supply me with a contract or agreement signed with your company or the Creditor?

PURSUANT TO THE FDCPA, I WOULD LIKE THE FOLLOWING PROVIDED : THE NAME AND ADDRESS OF THE ORIGINAL AND CURRENT CREDITOR VERIFICATION OF THE DEBT AMOUNT THAT YOU ARE SEEKING TO COLLECT SHOWING THAT A CONTRACT EXISTS CREATE THE AMOUNT THAT YOU CLAIM IS OWED. 
ALL THE ASSIGNMENTS SHOWING THE DEBT TRANSFER FROM THE ORIGINAL CREDITOR TO THE CURRENT CREDITOR PLEASE PROVIDE ME WITH PROOF THE DEBT WAS SECURITIZED BY THE ORIGINAL CREDITOR PLEASE SHOW THE ASSIGNMENTS OF THE DEBT FROM THE ORIGINAL CREDITOR TO THE SECURED TRUST AND THEN BACK TO THE ORIGINAL CREDITOR PLEASE CEASE AND DESIST FROM COLLECTING ON THIS DEBT UNTIL YOU HAVE VALIDATED THE DEBT. 

Please do not look at my credit report or report anything to my credit I dispute I owe this debt amount to you and that dispute should be stated on my credit report if you have reported this debt. 

PERMISSABLE PURPOSE Please state why you have a permissible purpose to contact my credit. I dispute this. 

IF YOU PASS THIS ON TO ANOTHER COLLECTOR I dispute I owe this debt to you. If you pass this on to another debt collector, please provide them notice of my dispute to owing the debt. Thank you for your immediate cooperation. 

XXXX XXXX
Product: Mortgage

XX/XX/XXXX - initial loan disclosure sent by LoanDepot. 
XX/XX/XXXX - XXXX loan disclosure sent with increased origination fee, monthly payment, and closing costs sent by LoanDepot. 
XX/XX/XXXX - I personally reviewed all documentation and noticed that the appraisal was incorrect. The appraiser put down XXXX acres and not XXXX acres and compared our home to similar homes with less property thus undervaluing our house, which consequently made the origination fee increase and the monthly payment and the closing cost. I pointed out the mistake done by the appraiser and was told that I have to submit an appeal even though a correction needs to be made by the appraiser. 
XX/XX/XXXX - My fianc and I have been trying to get direction from LoanDepot on how to fill out the appraisal appeal form but have not gotten a reply. 
XX/XX/XXXX - I filled out the appraisal appeal form to the best of my ability and submitted it to LoanDepot. 
XXXX - I finally heard back from LoanDepot after calling and emailing almost daily since I submitted the appeal on XX/XX/XXXX and was told that information is missing. 
XXXX - I left work early to call the main line of LoanDepot and spoke with XXXX and to try to get some information on how to fill out the appraisal appeal but was transferred to XXXX who did not know and told me no one is available to help answer my question. 
The main issue is communication or lack thereof. 
The second issue is attention to detail. 
LoanDepot should have caught the mistake and asked the appraiser to redo their work instead of putting the onus of responsibility on the consumer without any direction. Plus we have already paid for the appraisal and now we have to do it ourselves after paying to have it done through LoanDepot and facilitated by Valuation Partners, specifically by XXXX XXXX XXXX - Appraiser. 
What needs to happen is we need someone at a higher level at LoanDepot to help rectify this issue since XXXX XXXX-Licensed Lending Officer, XXXX XXXX Account Manager II, and XXXX XXXX  XXXX Processing XXXX have helped. 
They should have Valuation Partners redo the work that we already paid LoanDepot to perform instead of making the customer do all the work. 
Failing that, they should at least communicate how we can accomplish the appraisal appeal since neither myself or my fianc are home appraisers and the document provided gives no direction but does tell us that we can't use XXXX, XXXX or other valuation websites. 
Basically, we can't use anything that average people know how to use but are not told what we should use. 
CFPB - please help since LoanDepot won't!
Product: Credit reporting or other personal consumer reports

This morning, I was shocked to see incorrect accounts on my credit report, and I have no idea how they got there. I routinely check my credit report, but this time there were sudden discrepancies that caught me off guard. I even refreshed my browser thinking it might be a glitch, but the accounts stayed there. Now, I am urging a thorough review of the documents I submitted, so I can finally put this behind me and stop worrying.
Product: Money transfer, virtual currency, or money service

What happened was that my previous XXXX account got hacked and {$490.00} was stolen from my bank Chase account through their XXXX by the name of XXXX ( unknown ) on XX/XX/2023. I reported to my Chase ( Fraud Team Dept ) about it but they declined my appeal twice. So I had a meeting with XXXX XXXX who is the Branch Manager at Chase Bank in XXXX, CO ( second time ) last Monday ( XX/XX/2023 ) at XXXX. I showed him photos of my text messages from XXXX XXXX XXXX named XXXX XXXX and his text # is XXXX. XXXX 's ( no last name mentioned according to XXXX 's activity ) email address is XXXX that my money of {$490.00} was deducted from my Chase checking account, XXXX said that Fraud Team Dept told him on the phone to tell me to go to XXXX in XXXX, Colorado and take virus scan, So I went to XXXX in XXXX, CO and they had my cell scanned for virus but they didn't find any virus in it. The staff set up XXXX XXXX XXXX in my cell. Chase Manager ( didn't get his name ) was looking at the photos of the messages from XXXX XXXX XXXX in my cell. He suggested me to go to the police and report about it so that way they could investigate. So I went to the police station in XXXX, CO that day but there was no XXXX interpreter via XXXX so we made an appointment for yesterday on XX/XX/2023 at XXXX with Police XXXX along with American Sign Language interpreter in person. According to Police XXXX, she said that unfortunately I am a victim of identify theft. By the way, my video phone by speaking with Live Person at XXXX at XXXX ( got that ph # from XXXX XXXX ). I was scammed via both text and video phone by fake XXXX. My DL photos and SS # were given to them. I already received new DL and new debit card last week.
Product: Credit reporting or other personal consumer reports

I would like these illegal collections and inquiries removed from my credit report asap. I hired a credit XXXX to review my report 2 months ago and all of these items are fraudulent. Please remove these items off my report as soon as possible XXXXXX/XX/XXXX {$690.00} XX/XX/XXXX XXXX XXXX XXXX {$27000.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$2100.00} XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Bank account or service

This morning XX/XX/2017 I talk to XXXX, Asst Vice Pres of Huntington National Bank in regards to a complaint I filed with CFPB ( # XXXX ) she threaten to close my debit account for complaining about the 2 bank tellers violating my FERPA, confidentiality of my personal information, and doing an unauthorized credit check and closing out my Amex card. After complaining about the 2 bank tellers, one of the tellers is not at that branch and the other teller is being supervised by new and different personnel from other Huntington National Bank branches. She also suggested I not bank at that branch and that I need to go another branch. I should not be threaten in that matter by a bank employee for matters that are being done against me that are illegal. This matter needs to be investigated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I FILED AN FTC REPORT FOR AN 2ND TIME. i HAVE INQUIIRES LISTED THAT DO NOT BELONG TO ME AND AN ACCOUNT LISTED ON EQUIFAX. ALSO XXXX  HAS AN INCORRECT DATE OF BIRTH FOR ME.
Product: Debt collection

XXXX , from Prince Parker & Associates called my wife asking for payment in full for an   XXXX   bill of {$1600.00} incurred during the birth of my son on  XXXX / XXXX / 2017 . My wife asked  XXXX  if we could enter into a payment arrangement, to which  XXXX  responded   she could only offer 3 options ; 1, pay in full ; 2, pay half now and small monthly payments after ; 3, not pay and be referred for further collections which include litigation, credit reporting and additional repercussions.
My wife was clearly distraught given this information to which she asked me ( her husband ) to   call  XXXX  and discuss the account.     I called  XXXX  @  (   XXXX   XXXX   XXXX  ext.  XXXX  to ask what had transpired with my wife and to ask clarifying questions.  XXXX  reiterat ed the payment options, emphasized that she was from " Prince, Parker & Associates '', aske d for my wifes phone number and disclosed information about the debt prior to asking me who I was and prior to reading me the mini-miranda disclosure. When I asked  XXXX  what she meant by being referred for further collections meant, she fumbled through her response and ended saying that the account would " leave the attorney 's office '' and " be referred for additional collections with different payment options and credit implications '', at which point I asked her she was giving me false, misleading and threatening information -  XXXX  hung up the phone.