23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Approximately XXXX months sgo I paid off in full XXXX mortgage with citimortgage. Last month I received a hardship letter request from citimortgage. My wife called citimortgage and they assured her it was a system glitch and it will be taken care of. Today I recriver from citimortgage a hamp and need to respond by XXXX XXXX or a foreclosure sale date may happen. I called citimort gage extremely upset. Talked to XXXX a floor manager. He too said it was a glitch. The only person to handle it was a operational manager bit refused to give out OM info including last name, phone number, or email. Stating it is against cit mortgage policy to give out such information. Also stated I 'M does not make external calls to customers referenced I 'M does n't have access to customer accounts. Keep in mind our mortgage with Citi is paid off in full! All this frustration XXXX CFPB letters sent to us ... we ca n't get anywhere with coti. Afraid a foreclsure sale date may occur on our account now. Please help!
Product: Checking or savings account

Well Fargo closed my account for no reason and refused to give me the credit owed!! Overdraft fees charged! Denied reopening my checking accounts!!
Product: Credit card

OportunXXXX credit card charged me " late fees '' on an account that I paid off and closed on XX/XX/2023. I paid my balance and requested an account closure. Several months later they begin to call and harass me to tell me that I owe then {$140.00} in late fees. But when I try to access my account online my account no longer exists. Or when I ask them my account status they told me I didn't have account. I asked for written proof that I owed the amount they sent me a standard billing statement. I have denied the charge and explained that I close the account on XX/XX/XXXX asking for my full balance from their representative. I paid the amount they said. But they insist that I still owe the charge. If I owed the late fee why wasn't I sent a bill for it? Why did they wait several months allowing late fees to be added to the existing late fee? 
When viewing the information on my credit report is says the account was closed XX/XX/XXXX XXXX. Why was it left open for a month after I requested account closure? I have tried to dispute it through the credit bureaus to no avail, Since they have reported it " charged off as a bad debt '' effecting my credit rating.
Product: Credit reporting or other personal consumer reports

This is my several request regarding the credit inquiries that were unauthorized and needs to be removed from my credit report. I received an updated copy of my credit report and became aware of these inquiries that I did not authorize. They are as follows : XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXXXX/XX/XXXX, XXXX XX/XX/XXXX
Product: Debt collection

I started receiving calls from ASG XXXX 6 months ago telling me that they are a debt collection company representing XXXX XXXX XXXX and that my file was placed with them for collection. I thought someone had stolen my identity because I knew I had never had an account with XXXX XXXX XXXX  so I started to file a report with XXXX XXXX In filing such report they ask for information from the original source of debt. So I called XXXX XXXX XXXX on XX/XX/XXXX and they said they could not find anything in their system with my name or social security number and even if the account had been closed they would still he able to pull it up. They advised me to ignore the calls. I've been called every day since though and the calls start early morning and stop after XXXX sometimes. They call every hour and I've had to just turn off my ringer because they drive me crazy. I've tried blocking the numbers but they call from another. They have left me several nasty voicemails which I have saved for proof if needed.
Product: Consumer Loan

I paid off my car loan with Chase Bank and it reported it as Account Closed and my credit scores have gone down. I need this to be corrected.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, TRANSUNION AND XXXX ARE REPORTING FRAUDULENT ACCOUNTS ON MY CREDIT REPORT. BELOW ARE THE LIST OF FRAUDULENT ACCOUNTS : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

Both XXXX XXXX XXXX XXXX & Chase received inquiries to open up a credit card in my name. However this was a fraudulent charge as I did not do this. I called both banks to file a complaint and they are processing that internally. 

Only the Chase fraud hit my XXXX account. I have already reached out to XXXX to file a complaint there too. Weirdly enough I did receive a XXXX XXXX XXXX Debit Card but it didn't go on my credit report. Providing applicable reference/ID # s below Chase Reference Number - XXXX XXXX XXXX XXXX Debit Card - XXXX XXXX XXXX XXXX To be clear, I do not want to these credit cards opened up in my name Thank you for the assistance!
Product: Credit reporting or other personal consumer reports

I am filing this complaint against Portfolio Recovery Associates LLC for inaccurately reporting a debt on my credit report without providing any evidence to substantiate my ownership of the alleged debt. Despite my prior request for validation, Portfolio Recovery Associates LLC has failed to provide documentation linking me to this debt or justifying the reported balance of {$560.00}. I dispute this debt in its entirety and request its immediate removal from my credit reports due to their lack of evidence and potential fraudulent reporting. 

Furthermore, I have never been notified of this debt and have no knowledge of it. I have never signed an agreement or contract with Portfolio Recovery Associates LLC, and their failure to provide validation raises serious concerns about the legitimacy of their claim. 

Failure to Provide Validation of Debt : Despite my formal request, Portfolio Recovery Associates LLC has not provided : A signed agreement or contract confirming my obligation for this alleged debt. 
Evidence to support the balance of {$560.00}. 
Proof that they legally own this debt and have the right to collect it. 
This violates 15 U.S.C. 1692g ( b ) of the FDCPA, which requires debt collectors to cease collection activities until they validate the debt.

Inaccurate and Misleading Reporting : 15 U.S.C. 1681e ( b ) : The account contains inaccuracies and inconsistencies : Conflicting " Date Opened '' entries : XXXX lists XX/XX/2024, while XXXX lists XX/XX/2024. 
The " Date Last Active '' is listed as XX/XX/2024, but no activity or payments are documented to justify this. 
Discrepancies in reporting history across bureaus raise doubts about the accuracy and reliability of the information. 
15 U.S.C. 1681i ( a ) ( 1 ) : The credit bureaus are required to investigate disputes thoroughly, yet the inaccuracies in this report persist.

Potential Fraudulent Reporting : Reporting a debt without any evidence to support its validity may constitute fraudulent reporting under the Fair Credit Reporting Act ( FCRA ). 
Violation of Reporting Timeframes : 15 U.S.C. 1681c ( a ) ( 4 ) : Adverse information should not be reported for more than seven years unless properly substantiated. No evidence has been provided to demonstrate that this debt is within the permissible reporting period. 
Violation of the FDCPA : 15 U.S.C. 1692e ( 2 ) ( A ) : Misrepresentation of the character, amount, or legal status of the debt. 
15 U.S.C. 1692e ( 8 ) : Reporting a debt without indicating it is disputed violates this provision. 

Immediate Removal : Remove this account from all credit bureaus ( XXXX, XXXX, and XXXX ) due to the lack of evidence linking me to this debt and the inconsistencies in reporting. 
Investigation : Conduct an investigation into Portfolio Recovery Associates LLCs practices regarding debt collection and credit reporting for compliance with the FCRA and FDCPA. 
Accountability : Enforce penalties against Portfolio Recovery Associates LLC for their failure to adhere to federal regulations governing debt collection and credit reporting.
Product: Bank account or service

There is a double-charge on my Bank of America checking account made in error by XXXX XXXX. XXXX admits the error, but they do n't seem to know how to resolve it nor seem to care. So I attempted 3 times to contact Bank of America to dispute this transaction, but I am put on endless hold and no associate answers the phone. Further, I stopped-in at my local Bank of America branch and they stated that all they could do was put me on the phone and that they too have not been able to reach an associate. This is unacceptable and demand resolution as this double-transaction was not authorized by myself.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have two unauthorized inquiries on my credit report from JPMCB - CARD SERVICES, dates are : XXXX XXXX XX/XX/2019 2019
Product: Checking or savings account

To whom it may concern, On XX/XX/year>, I received an email from XXXX XXXX a division of Webster Bank N.A., that stated they were changing the investment account that would be available to me from XXXX XXXX to " XXXX XXXX ''. I was happy with the fee schedule at XXXX XXXX and XXXX XXXX Included in the changes to XXXX XXXX  are new fees that they are charging to the account, with the minimum fee being 0.1 % per year. In addition, I would now be forced to invest with " XXXX XXXX '', a new broker I don't know and I am not comfortable investing with. I gave XXXX XXXX  a call, and they confirmed my only options were as follows : XXXX ) Liquidate assets in my XXXX XXXX XXXXXXXX, thereby realizing slippage losses on the transactions, and then move the money to another company for a {$25.00} fee. 
XXXX ) Liquidate assets in my XXXX XXXX XXXXXXXX, thereby realizing slippage losses on the transactions, and move them into the new consolidated account at " XXXX XXXX XXXX, where I will incur annual fees that are no less than 0.1 % of the account. 

I think it's ridiculous that a company changes their rules so that, no matter what you do, a customer is required to pay fees that they did not wish to pay in the first place. I ask that somebody take a look at this and direct XXXX XXXX to allow free transfers for customers not wanting to participate in their new program. 

Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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

the information given was not correct or done by me. I wish to have them closed. 

Jefferson Capital LL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I have an account on my transunion report that was closed years ago and now they are marking it as open in XXXX, which has re-aged the debt and made it current. It dropped my score by a lot and I need this fixed. I submitted a dispute and Transunion keeps validating the information when I know it's not correct.
Product: Checking or savings account

Multiple out of the country fraudulent charges occurred in my Citibank checking account. I filed a dispute and lost the claims, then a string of fraudulent cash withdrawals occurred and anmyriad of fraudulent transactions followed. I filed claims lost each XXXX and the forced a hold on my account freezing funds denying all claims and have prevented me from speaking with anyone saying it 's confidential information. I 'm out in excess of {$7600.00}!
Product: Debt collection

This company and I could not reach an agreement for settlement as they are asking for too much money all at once. On XXXX XXXX, 2017 they told me the offers and I was to discuss with my wife. They said at this point if we can not reach an agreement that they are going to give the debt back to the state of Arizona and they would be finished with it. They were to call me back on XXXX XXXX, 2017 after speaking with my wife. When XXXX called back I informed him we could not meet their demands and to go ahead and give it back to Arizona and I do not want to hear from you or your company anymore or I will take legal action! Today on XXXX XXXX, 2017 they called my place of employment. I am ready to move forward with legal action if they ever call my place of employment or myself or family!
Product: Credit reporting, credit repair services, or other personal consumer reports

Pursuant to 18 usc 8, I owe no debt, this company is violating my consumer rights I privacy pursue to 15 usc 1681 b 2 company has also no permission to report anything using my info pursuant to 15 usc 1681 4
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter my lawful and rightful consumer of recent and currently discovered item ( s ) with potential misinformation not certifiably compliant in reporting and or elsewise appears likely deficient in its reporting status as reported when reported. Additionally, this notification my consumer rightful demand for adequate investigation/reinvestigation into every aspect of any delinquency and or derogatory data accused of me to adequacy of lawful reporting! I understand that the reporting industry has deliberately established a mandatorily utilized STANDARD for better ensuring certifiably compliant reporting practices, processes, and procedures are adhered to so that a maximum possible accuracy and completion is believable minus any deviations or diversions from the established and expected reporting of consumer data and acceptance of reported data by a receiving repository! 
Sir/Maam, I am writing you with this formal protestation versus claim ( s ) made and a demand for appropriate report modification ( s ) on your part. You are inappropriate reporting incorrectly to the major credit bureaus and damaging my credit. You are in contravention of the FCRA aka the Fair Credit Reporting Act. The Suspected transgression ( s ) perchance might qualify for subject to fines and damages. I am providing you but this one last contingency for adequate modification of this alleged credit circumstance. Previously, I had sent you a letter advising you that you were incorrectly reporting. Additionally in that request I in fact did assert your necessary requisite ( s ) to adequately correct my file. Due to your now obvious continued misreporting ( s ) albeit any all or each unfair and or surely unethically non-compliantly reported in that it seems that my sent letter was frustratingly slighted.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, I am writing to request information about the account CNAC XXXX, on my credit reports XXXX, XXXX, XXXX. As per Section 609 of the Fair Credit Reporting Act, I am entitled to see any sources or documents you have on record regarding this account, including the original contract with my signature and the credit application.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS 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 items 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 items : XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Mortgage

My complaint is in reference to the Independent Foreclosure Review paying agent - GMAC Mortgage. My mortgage had been through GMAC Mortgage but they forced me out of our house after calling it home for XXXX years. Apparently, my ex-husband wrote to the Independent Foreclosure Review and asked that the payment be " split '', so they cut him a check for 50 % of the payout. XXXX XXXX tells me they have no checks or procedures to confirm the legitimacy of the request ( XXXX XXXX, so they simply do as they 're directed - by WHOMEVER gives them direction - in this case, my ex-husband who was looking to be wrongly compensated on a property he 's had NO LEGAL rights to since vacating the property in XXXX. He has NO LEGAL RIGHT whatsoever to receive anything from the property. It was written in our Divorce Decree that the divorce documentation would serve as legal documentation should he fail to sign a quit claim deed XXXX anticipating his lack of cooperation even back then XXXX. I paid to have all documentation notorized and recorded with the XXXX XXXX XXXX office. 

I have contacted GMAC Mortgage XXXX who thinks I still live at the property in question ), and they will take absolutely no ownership of the foreclosure payout. I have spent months trying to get this resolved through GMAC, XXXX XXXX and even the Attorney General 's office. Since the Attorney General 's office notified me that they can not be of any help, I have tried the Office of the Comptroller of Currency, the Federal Trade Commission and now, I am trying to resolve the issue through your office. I submitted a claim ( initially ) against the Independent Foreclosure Review, but after a week XXXX, I was notified that a claim can not be filed against them ( would have been helpful to have been told this while speaking by phone with a CFPB representative XXXX. No one claims to have the knowledge or ability to resolve the situation and correct the payout, paying me what is due me. 

I am attaching the divorce documentation I am referencing as well as a copy of the letter sent on behalf of the Independent Foreclosure Review - by XXXX the Paying Agent. 

GMAC should have provided correct, up-to-date payout information to the IFR and XXXX XXXX, XXXX Their record-keeping is and was so poor, they failed to note that my ex-husband had NO LEGAL RIGHTS to the property as of 1999. When I tried to resolve this issue through them, they showed I still resided at the property they foreclosed on. They should be held accountable for wrongly processing my foreclosure and additionally, wrongfully paying someone that should not have been paid.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am so tired of dealing with CFPB and Equifax. There is no way, no way that you looked into these accounts. Your company has a tendency to rubber-stamp things because you're a true POS of a company that leaks financial data and tries to hide it from the public. As far as I'm concerned Equifax should be completely shut down. XXXX and XXXX  corrected these matters as these were " authorized user accounts '' they are NOT MY ACCOUNTS PERIOD ( YELLING ). Even in the account ownership/status, it says this very thing. I have three accounts with XXXX XXXX that are mine and they report as owned by primary. If you fail to acknowledge this request within 30 days I will be filing suit not only against you but all the other creditors. I have been removed from these accounts over a year ago and reporting was closed on all other credit reporting agencies except your POS system. 

Accounts XXXX XXXX XXXX Account Number XXXX High Balance XXXX Date Opened XX/XX/XXXX XXXX XXXX XXXX Account Number XXXX High Balance XXXX Date Opened XX/XX/XXXX XXXX XXXX XXXX Account Number XXXX High Balance XXXX Date Opened XX/XX/XXXX I want the CFPB to publish this to show that Equifax will not handle removing closed authorized user accounts.
Product: Checking or savings account

Re : Formal Complaint Against Chase Bank for Withholding Wages, Charging Unauthorized Fees, and Ignoring Request for Investigation Dear Sir or Madam, I am writing to file a formal complaint against Chase Bank regarding the unlawful withholding of my wages for an alleged debt that I do not owe. Despite my repeated attempts to resolve this matter directly with the bank, they have failed to provide any satisfactory response or investigate the issue in a timely manner. 

I would like to clarify that I have never been sued, and there is no judgment against me. The bank 's actions are based on an erroneous claim, and I dispute the alleged debt. Additionally, I was charged an unauthorized {$100.00} legal fee by Chase, which I believe is an unjust charge considering that no legal action or judgment has been taken against me. 

I have contacted Chase Bank multiple times to request clarification, dispute the alleged debt, request an investigation and address the legal fee. However, my requests have been ignored, and I have not received any meaningful follow-up or resolution from the bank. 

This action is causing significant financial distress, as I am unable to access the funds I need to meet my genuine financial obligations, including paying for essential living expenses. The withholding of my wages and the illegal charge of a legal fee are not only unjust but are also causing me undue emotional anguish. I have been left in a vulnerable situation with no clear path to resolve this issue, and I am unable to take appropriate steps to address my financial responsibilities. 

I am attaching copies of my previous complaint to Chase, dated XX/XX/year>, for your reference. I respectfully urge the Consumer Financial Protection Bureau ( CFPB ) to investigate this matter promptly, as I believe Chase Bank is in violation of my rights. I request that my wages be released immediately, the {$100.00} legal fee be refunded, and that Chase Bank be held accountable for their failure to provide a fair resolution. 

Thank you for your attention to this matter. I look forward to your prompt action and resolution of this complaint. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX, NJ XXXX
Product: Credit card or prepaid card

I received an offer today via email to apply for the Capital One Quicksilver card with {$200.00} bonus and 1.5 % cashback. 

Generally, to receive an invite like this is practically a 99 % chance youll get the card if you apply. 

I received 2 offers from XXXX recently and I applied to one ( the southwest card ) and immediately was approved. 

My credit score is above XXXX with all three credit bureaus and my debt ratio is 3 %. 

This is the third time Capital One has done this to me. To invite me and to deny me a credit card multiple times is a predatory lending move and has damaged my credit card.
Product: Checking or savings account

I woke up to XXXX emails from Chime regarding an account that was setup in my name, including a direct deposit form with a routing an account number and an address listed from over 4 years ago! 

I have never opened an account with Chime! I was able to call them and have the account closed, but this should have never happened. They should have more measures to verify ones identity.
Product: Money transfer, virtual currency, or money service

I am concerned about funds that were handled through Zelle from my account. When I reached out to Zelle they told me I was not able to get the funds reversed back into my account.
Product: Payday loan, title loan, or personal loan

I totaled my car with my kids and needed to get a new car asap, so told them of the situation and didnt seem to care or want to work with me. The next communication I got from them, they threatened me with a felony and taking me to court instead of working it out with me because of my traumatic experience. They were always rude and tried to put up with it and this broke the camels back.