23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX  XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX  Date of inquiry : 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. q681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit card or prepaid card

After being approved for a business credit card in XX/XX/2021, Comerica Bank was not able to explain how another bank account ending in XXXX was linked to my business credit card on XX/XX/2021. 'See Attachment. '' I have continuously been overcharged fees going beyond the amount of {$3000.00} which I was approved. The bank manager alleges that I had taken out one cash advance which is causing the high interest rate. I can not recall ever doing a one time cash advance. I am continuously being charged over the rate when I have not used the card in a while. Due to severe Identity theft of my business, i.e ghost companies being established under both my tax ID and Soc Security Number, I believe I am being charged for the illegal schemes that occurred throughout this bank.
Product: Checking or savings account

XX/XX/2019 I am locked out of my Chase online banking access & mobile app access and not able to access about {$10000.00} USD in funds that I have in my checking account. The app says to call XXXX, called CSR verified my identity, answered all the security questions ... said they can't help I would have to go to a local branch and show 2 forms of ID. Told them I am working in another country ( XXXX ) 10K miles away from the nearest branch, and will not be returning to the states any time soon. Asked them to connect me to a chase local branch in XXXX said there isn't one in XXXX ... asked to forward me to someone that can help, kept parroting " we can't help you any further go to a Chase bank '' XX/XX/2019 try to email chase through chase.com it says login to your online banking and use the secure email form -- problem I can't access my online banking so therefore I am not able to email chase. 

XX/XX/2019 used XXXX # chasesupport to try and get help, same thing they are unable to help go to a local branch, " ... we're unable to assist further via social media or by phone. ^AN '' XX/XX/2019 XXXX  # chasesupport again said this is not acceptable, would like to escalate issue, did not receive a reply.
Product: Credit reporting or other personal consumer reports

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXXXX/XX/2022
Product: Credit reporting or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. You must remove/block any items that was opened without my knowledge, consent, or authority within 4 business days with ( 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. 
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 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 XXXXXX/XX/XXXX.
Product: Checking or savings account

Ive had an extraordinary with chase throughout the years, theyre my first and only bank, Ive never had or done any type of fraudulent activity on my accounts until this unfortunate situation. My account was hacked and my identity has currently been stolen, Ive recently reached out to identity theft. But chase please review this because i really love chase and hope for it to continue being my bank. I cant get into my account to send dates and amounts but one amount that was sent back was {$720.00} dollars I believe from XXXX XXXX XXXX, that the only way I saw was because they called me telling me this and by that time the account was already closed and I couldnt get in. Please Im literally begging to review this, in almost 6 years with you Ive never experienced any of this until now. Thankyou chase.
Product: Mortgage

We have been fighting with Wells Fargo for over a year now they did not go about it in a professional way to let us know we were in danger of a foreclosure they say they did but we didnt recieve anything because if we did we would have acted sooner and taking care of everything sooner and its because of them that we fell more behind because our mortgage wasnt behind by much when we called to do a loan modification and gave us the run around and said we have missing paperwork when we faxed it them, mutilple times and we think its funny that everytime we tried to make a payment during the process they said we couldnt and every person we ever talked to would mysteriously disappear and wouldnt be working there anymore which I believe is shady ...
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the Fair Credit Reporting Act XXXX Account # XXXX Account # XXXX Account # XXXX, Has Violated My Rights 15 U.S.C 1681 Section 602 A. States I Have The Right To Privacy.

15 U.S.C 1681Section 604 A Section 2 : It Also States A Consumer Reporting Agency Can not Furnish A Account without My Written Instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX, and Equifax are fraudulently reporting inquiries that aren’t mine. I’ve called several times to all 3 bureaus to get these fraudulent inquiries removed to no avail. I’ve reported the fraudulent inquiries to the FTC
Product: Credit reporting, credit repair services, or other personal consumer reports

On ( XXXX, XXXX XXXX XXXX XXXX add a derogatory mark on my credit report per XXXX  XXXX. Upon farther research, this account was transferred and I am no longer responsible for the account. Debtor 's creditor did not verify this collection. Also, there was NO written form of communication, contract, or signature for this account debt at all. A bill without a written signature does not validate the debt and anybody can send a bill and say that its mine. According to the FCRA, ( coll Agency Name has violated my rights as a consumer and I'm requesting legal action to remove this account immediately
Product: Mortgage

The Request for Mortgage Assistance was submitted on XX/XX/XXXX to CitiMortgage. Citimortgage confirmed receipt of the request on XXXX XXXX via email, hereto attached. A formal missing documents letter describing the list of documents needed to complete the package was not received within 30 days of the submission. Citimortgage has requested different documents over the span of 6 months rather than provide the client with XXXX concise list of pending documents as directed by HAMP and the CFPB. Citimortgage has not evaluated the client for HAMP within 30 days of receiving a complete package as required. On XX/XX/XXXX assigned representative stated the file was complete and in review. Citimortgage did not decision the loan yet again requested additional information on XX/XX/XXXX, then a different request for documents on XX/XX/XXXX and yet again another request on XX/XX/XXXX. Citimortgage has continued to request documentation in pieces rather than XXXX list of all required documents necessary to facilitate the review of the file for HAMP. The borrower 's review process has been unnecessarily been prolonged due to Citimortgage requesting seperate documentation of the span of going on 7 months. The client has another sale date scheduled for XX/XX/XXXX.
Product: Mortgage

My mortgage was part of the XXXX mortgage meltdown and the " Investor '' was XXXX Bank. The servicer was Ocwen which has now become PHH. In XXXX, my mortgage was converted to a Shared Appreciation Modification. In XX/XX/XXXX I made a payment to Ocwen by XXXX XXXX on the last day of the month ( in compliance with the terms of the SAM ) and they returned my payment and cancelled my modification. I filed a complaint with CFPB and when Ocwen responded, I assumed that I could not respond and get further help from CFPB. Since then I have had considerable correspondence with Ocwen and I filed a Notice of Error with them. Their responses over the following year confirms my claim and they admit that they had a computer glitch at that time. CFPB and numerous Attorney Generals including Florida sued Ocwen in part for the type of error I experienced. Those suits have been settled but Ocwen has not offered me compensation and / or a principal reduction. The modifications following the loss of the SAM in this incident has raised my principal by over {$100000.00}. 

I realize this is a second submission of the same claim but the new facts prove that Ocwen 's original response was not accurate at best and possibly a fabrication.
Product: Checking or savings account

On Friday, XX/XX/year>, I went into my local Chase branch and spoke with both the branch manager and a cashier about depositing a check for {$45000.00}. The check was for insurance loss related to my home, and due to the way the policy was written, only my mortgage companys name was listed as the payee. The mortgage company endorsed the check over to me so I could deposit it and use the funds to repair my home. Both the manager and cashier examined the check and confirmed that it was properly endorsed, so I deposited it without issue. 



I received a message on Monday XX/XX/year> from Chase stating they would close my account unless I called them immediately. I called, and the representative explained that they needed a phone number to verify the endorsement. I found this odd since the check had already been endorsed by another financial institution, XXXX XXXX ( also known as XXXX XXXX XXXX  ). 



To address the issue, I contacted my representative at XXXX XXXX and set up a three-way call with Chase and XXXX. During the call, XXXX provided Chase with the publicly available phone number listed on their website. However, the Chase representative claimed they could not verify the number. My XXXX representative then provided two additional numbers for their headquarters and even suggested Chase verify the number on the back of my XXXX XXXX XXXX, which is also publicly accessible. Despite this, the Chase representative still insisted they couldnt verify any of the numbers provided, which made no sense to me or my XXXX representative. 



My XXXX rep offered to escalate the matter with their head office to provide alternative numbers, but this situation feels unreasonable. After the call, I went online and discovered countless stories of similar experiences with Chase, where customers had issues with account closures or check verification processes that seemed unfair or abusive.

Ive followed all the rules and taken every reasonable step to verify the checks endorsement. These funds are crucial for repairing my home after a flood, and Im seeking assistance to resolve this matter.
Product: Credit card

Thursday XX/XX/2024 Transaction XXXX  unauthorized withdrawal of {$500.00} at XXXXXXXX XXXX Thursday XX/XX/2024 Transaction XXXX  unauthorized withdrawal of {$1300.00} at XXXX XXXX unauthorized withdrawal of {$300.00} & XXXX unauthorized withdrawal of {$37.00} & XXXX unauthorized withdrawal of {$27.00} Chime bank has been aware that suspicious transactions were occurring starting with XXXXXXXX XXXX  I called & they blocked after that I woke up in the morning my money out of my account not only was it gone I had verify myself to get access to my account I never have before so chime wax aware before me which I dont know why I was not contacted.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a complaint on XXXX ( XXXX ) in regards to inaccuarte/wrong information displaying on my credit report. Equifax responded stating they deleted employer XXXX XXXX from my credit file which they did but did not remove an address XXXX XXXX XXXX XXXX which is no longer accurate and is considered inaccurate and wrong information. I never lived nor do I currently reside at XXXXXXXX XXXX XXXXXXXX XXXX. Equifax stated this was verified. This is not a request for verification. This is a request to Removed Wrong and Inaccurate information from credit report which they are failing to perform for some reason. This inaccurate/wrong information is violating the Fair Credit Reporting Act and Equifax should be held accountable.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was inform that they had did an investigation of the inquiry that is on my credit report but I don't see how when I call the credit card companies they had no record of me applying with there company If the other two bureaus deleted the information how is it that equifax come with it as verify I want to know how did they verify these accounts XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

1. On XX/XX/XXXX, XXXX add a hard inquiry on my credit report per XXXX. 
2. On XX/XX/XXXX, XXXX XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX, XXXX and XXXX. 
3. On XX/XX/XXXX, CAPITAL ONE AUTO FINANCE add a hard inquiry on my credit report per XXXX, XXXX and XXXX.
Product: Debt collection

XXXX XXXX XXXX  / XXXX / {$0.00} XXXX XXXX XXXX / XXXX / {$21000.00} XXXX XXXX / XXXX / {$12000.00} 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller.

( B ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ).
Product: Credit reporting, credit repair services, or other personal consumer reports

FCRA violations : inquires not mine XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX On record until XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX On record until XX/XX/XXXX XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX until XX/XX/XXXX FCRA violations : not my names XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FCRA XXXX XXXX not XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX family XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Single XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX Resident type XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Single XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Single XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX Resident type XXXX XXXX FCRA violations : accounts not mine XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$1800.00} Status Account charged off. 

FCRA violations : payments never late XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$25000.00} Status Open.
Product: Mortgage

I HAVE MY HOME MORTGAGE FINANCED WITH XXXX XXXX NON ESCROW ACCOUNT. I WAS PAYING MY TAXES EVERY YEAR PLUS MY HOME INSURANCE. 4 MONTHS AGO I FOUND OUT PHH MORTGAGE BOUGHT OUT MY LOAN. MY MONTHLY PAYMNET WITH XXXX MORTGAGE WAS {$1000.00}. PHH MORTGAGE CHANGED MY PAYMENTS TO {$2200.00} AND ADDED ESCROW WITHOUT INFORMING ME EVEN THE TAXES & HOME INSURANCE BEEN PAID MY ME LAST YEAR, EVEN THIS YEAR. MY LOAN NUMBER IS XXXX. I CALLED PHH MORTGAGE SEVERAL TIMES AND BEEN TALKING TO THEM ALMOST 3 MONTHS NOW BUT NOTHING HAS BEEN FIXED. I NEED SERIOUS HELP. IF NOT FIXED I AM GON NA GO LEGAL WAY AND SUE THEM. ATTACHED IS THE COPY OF TAXES PAID LAST YEAR AND THIS YEAR. 
I AM FILING MY COMPLAINT THIRD TIME ON THIS SITE NOTHING IS RESOLVED YET. PHH ROBBERS CALL ME AND TELL ME A NEW STORY EVERY SIGLE TIME, NOTHING HAS BEEN DONE, STILL NO SOLUTION.
Product: Debt collection

I am not liable for this debt with I.Q. data International , inc. XXXX XXXX XXXX XXXX XXXX XXXX XXXX  WA XXXX XXXX have never agreed nor signed of nature any agreement with this company. I want proof of a wet signature signed document between myself and I.Q. data International , inc. or immediate deletion from my Credit Report. They did not provide me with any original documents or signatures like I asked. This debt was not properly validated. I.Q. data International , inc. May or may not have a license to collect in any state and they are violating my rights going outside their jurisdiction for false debts owed. 

I do not recall and blatantly convinced this is not mine. I havent consented, partnered, or willingly engaged into any business dealings knowingly or unknowingly with I.Q. data International , inc. I will be filing another complaint with the CFPB & FCRA for violating my constitutional rights under pursuant to 15 USC 1681 ( b ) ( I ), 15 USC 1611 ( 1 ) ( 2 ) ( 3 ) & lastly I do not consent to this under 1 UCC 308.

Therefore, I request a signed agreement or an original application, not copies of invoices, but a document of substance, to validate their claim that I knowingly entered into an agreement with them with my signature. 

This company practices illegal debt collecting tactics. And refused my rights under the colour of the constitution.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received my credit report and found an inquiry from this company. I did not apply for credit with this company nor did I give authorization for them to check my report. I believe this inquiry to be fraudulent and I request that it be removed. The inquiry is reported as : LENDINGPOINT on XX/XX/2021.
Product: Debt collection

Portfolio Recovery calls every day and never leave a messages they hold the phone for the duration of the time allotted on my recording device leaving messages of silence. This has gone on for years. I have deleted the call logs because I am seeking employment and need the phone space for job interview messages. I did save the following dates : XX/XX/2018 @ XXXX XX/XX/2018 @ XXXX XX/XX/2018 @ XXXX XX/XX/2018 @ XXXX XX/XX/2018 @ XXXX XXXX XXXX XXXX XXXX @ XXXX XXXX XXXX XXXX XXXX @ XXXX XXXX XXXX XXXX XXXX @ XXXX XXXX XXXX XXXXXX/XX/XXXX @ XXXX XX/XX/2018 @ XXXX XX/XX/2018 @ XXXX
Product: Checking or savings account

On or around XX/XX/2024 my identity, card information, drivers license, email, phone numbers etc were compromised by an unknown suspected scammer. Making various sporadic charges likely someone overseas. The transactions in disputed currently are for 3 different ones. 1600.00, 134.32, & 62.24. For a company named pay bis which I have never used or even heard of before now. I filed a police report, identity theft report as well. ( Sent proof of this to the bank ) I filed a fraud report to my bank. They initially provided temp credit and then reversed it stating this company responded back to them showing my information. They would have it because XXXX XXXX is a free forwarding number connected with my email which was compromised. Sensitive data like my id picture, and card info was uploaded to my gallery unknowingly. I do not know if this is where and how they were able to gain access to my information, but I do know that they had access to my password. With it, you can access and login to my phone number from anywhere. XXXXXXXX XXXX acts as a secondary forwarding number. Fifth Third is siding with the company because the scammer who stole my identity provided those details to them. Please assist me in recovering these funds. They drafted the funds without ANY warning.
Product: Checking or savings account

I have been charged  XXXX  overdraft fees due to account error in balance as well as service/atm issues leaving me unable to deposit cash at several locations. I am being treated unfairly and being blamed for issues by bofa reps. Also experienced a lack of customer appreciation and gratitude for being a loyal customer.