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

I have 2 problems that started with online fraud of my debit card with Chase. 
This first started when Chase bank contacted me on XX/XX/XXXX to notify me of suspected unauthorized activity. I confirmed 6 transactions. Of the 6 transactions, they credited me for they have reversed the credit and debited my account for {$60.00} on XX/XX/XXXX to pay XXXX XXXX XXXX XXXX for a pre-paid cell phone account in XXXX. I this is fraud and they identified as such and contacted me, now they have reversed it. I know no one in XXXX. When I contacted XXXX XXXX XXXX they told me I was probably the victim of a data breech and that have not received a payment from Chase, they only had a chargeback on XX/XX/XXXX. They had no grounds to reverse the credit. 
My bank account was debited on XX/XX/XXXX. I have attached the statement. 

The second problem was caused by an error Chase made.When Chase contacted me to report possible fraud they listed 6 transactions, the XXXX XXXX XXXX was on of the 6. The next day I went to the bank to find out more and as I went over the transactions with the banker XXXX, we discovered that my car insurance payment had been included in the f dispute, she called the fraud department and adviced them that this was a good transaction and to pay it. I discovered days later that they had included the XXXX XXXX payment in the dispute and had reversed my authorized payment. I contacted the fraud department and told them to pay this immediately because my insurance could be canceled. I saw the debit in my account for {$240.00} on XX/XX/XXXX and assumed it, had been paid, it had not. XXXX had never received payment and my car insurance was canceled without my knowing until XX/XX/XXXX when I called to add another car to the policy. The chargeback from Chase was never corrected. XXXX XXXX, the banker at Chase on XXXX XXXX spoke to the accounting department at XXXX XXXX onXXXX and confirmed that no payment has been received. I forwarded the accounting statement I received from XXXX, showing the charge back to XXXX. I have also attached it. XXXX filed another dispute for me on XX/XX/XXXX and today I received notice that the temporary credit had been reversed and that the money was paid to XXXX and the dispute was denied. Where is my money? 
This like the XXXX XXXX XXXX payment is not in with the company, but both have been taken out of my account. 

I am requesting full credit for both transactions. 

I have attached the statements of all transactions, and I have requested confirmation from Chase of the money transfers to XXXX XXXX XXXX and XXXX.
Product: Debt collection

I have a collection account on my credit report that I have no knowledge of. I never received any kind of communication from the collection agency, and was never notified of having any owed balance being sent to collections. I disputed this with XXXX and they refuse to remove the unknown collection account from my credit file. This collection account has hindered my ability to get accepted for any type of personal loan, and has made it extremely hard for me to even try to raise my score.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had contacted XXXX, XXXX and Experian to remove inaccurate addresses as well as other inaccurate information such as closed accounts or creditors that i did not have. Experian has not and will not remove inaccurate information from credit report after multiple calls regarding this matter. Now things are being reported to XXXX, XXXX and Experian neglect their duties and trampling my rights under FCRA. I've been a victim of identity fraud multiple times and it has been documented with all three bureaus. I truly need your assistance in this matter. thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I've tried several times before to correct errors on my consumer credit report with the CRA and as of today to no avail.
Product: Mortgage

Wells fargo Mortgage did not compensate for the CFPB Wells fargo settlement in which we were denied a loan modifications in XXXX and placed in foreclosure. 

We have contacted Wells fargo mortgage about this settlement in which we were told their department doesn't handle the settlement in regards to wrongful foreclosures and loan modification errors. 

In which the CFPB ordered WELLS FARGO MORTGAGE to pay more than {$2.00} XXXX in redress to consumers and a {$1.00} XXXX civil penalty for legal violations across several of its largest product lines. Improperly denied mortgage modifications : During at least a seven-year period, the bank improperly denied thousands of mortgage loan modifications, which in some cases led to Wells Fargo customers losing their homes to wrongful foreclosures. The bank was aware of the problem for years before it ultimately addressed the issue.. 

No one has contacted us or offered co.pensation for this particular matter of wrongful denial of a va modification we qualified for.
Product: Credit reporting or other personal consumer reports

First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy. Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted this company any permissible purpose. They are in strict violation of this code. I need this account ( s ) remove from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. Since you are required to protect my privacy I need this matter handled with the utmost urgency. XXXX XXXXXXXX XXXX XXXX
Product: Credit card or prepaid card

Citibank has charged me late fees for statements I'm not receiving. I've attempted on multiple occasions for my address to be updated as I recently moved to another state, yet they refuse to update my current address and refuses to close my account. The account is paid in FULL with a credit of {$570.00} owe to me, yet they will not close my account or credit my account for late fees. I've spoken to multiple supervisors, managers, and the issue remains.
Product: Credit reporting, credit repair services, or other personal consumer reports

WELLS FARGO DEALER SERVICES is reporting that on XX/XX/2018 I applied for credit. This inquiry was not done with my authorization. I have contacted the company and asked for an investigation into the matter but have yet to receive a response.
Product: Credit reporting or other personal consumer reports

There are several errors on my Equifax and XXXX credit reports. on my Equifax 1 ) XXXX XXXX acct # XXXX, XXXX ) XXXX XXXXXXXX XXXX XXXXXXXX acct XXXX XXXX * XXXX. XXXX XXXX ) XXXX XXXX XXXX Bank # 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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and I have received help from an agency to try to reclaim my life. I have put a fraud alert on my credit years ago to try to protect myself from more but it hasnt worked. The only official address I have had is XXXX XXXX XXXX, XXXXXXXX XXXX XXXX and other addresses with my parents over the years. I briefly live at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX job only and I am sending a voided pay stub to prove that, as well. 


As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, proof of address, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the informatin requested from the list of acceptable itms which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

These are the accounts that were made on my social during that time : 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

XX/XX/XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX SSN : XXXX DOB XXXXXXXX  Experian XXXX XXXX XXXX XXXX TX XXXX RE : to dispute inaccurate information on my credit report After reviewing my credit report I noticed some inaccurate accounts on my credit report. I am requesting that you investigate the following accounts to ensure accuracy. 

I AM REQUESTING COMPLETE DELETION BASED ON YOUR INVESTIGATION. 


Please investigate the following accounts : Bankruptcy XXXX  XXXXdischarged Reference number : XXXX -all accounts listed below are related to the bankruptcy XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX As you know it is against the law to report any information not proven accurate. PER FEDERAL LAW and the standards set forth by all committees overseeing consumer reporting agencies, continuing to report this account on my credit le is a violation of my rights. 


Please DELETE ALL LISTED ACCOUNTS IMMEDIATELY so we can avoid further potential of a consumer or legal complaint. 


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

Fraudulent Accounts and inquiries on all Three Credit Reports. 

Accounts 1. XXXX XXXX {$150.00} 2. XXXX XXXX XXXX {$10000.00} 3. XXXX XXXX XXXX {$18000.00} 4. XXXX XXXX {$1200.00} 5. XXXX XXXX XXXX {$16000.00} Inquiries 1. XXXX XXXX 2. XXXX XXXX 3. XXXX XXXX 4. XXXX XXXX 5. XXXX XXXX 6. XXXX XXXX
Product: Payday loan

This lender keeps contacting me about a closed charged checking account and false reporting on my XXXX credit report.
Product: Credit card

I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefor exists. In requesting documentation none was provided. Due to identity theft this should be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Notice, it is a fact, I, the affiant is a consumer and has the right to privacy in accordance with 15 U.S.Code 1692 ( a ). Notice, it is a fact, pursuant to 15 U.S.Code 1692a ( 4 ), the term creditor means any person who extends credit creating the debt. I extended the credit which makes me the original creditor in fact. Notice, it is a fact, affiant is aware that the amount specified by the original contract is different from what XXXX XXXX is attempting to collect. There is no prior contract which authorizes them to collect the amount, shown in Exhibit ( A ), that XXXX XXXX is attempting to collect and no part of the contract expressly authorized the collection of this amount. This is a violation of 15 U.S.Code 1692f ( 1 ). Notice, it is a fact, affiant is aware a consumer reporting agency may furnish a consumer report in accordance with the written instructions from the consumer to whom it relates. Please provide the written instructions that I, the consumer gave to { Name of CRA } which has authorized this furnished account. If you can not provide me with these instructions written by me prior to this notice this has been a fraudulently made consumer report using my identifying information. Exhibit ( A ) shows proof of XXXX U.S.Code 1681b ( a ) ( 2 ) being violated by Equifax, which constitutes aggravated identity theft in accordance with 18 U.S.Code 1028A. The account, XXXX XXXX must be removed. Notice, it is a fact, affiant is aware pursuant to 15 U.S.Code 1692k ( a ) ( 1 ) allows civil liability rewards for any damages, which may include stress, harassment, anxiety, mental anguish, and other damages all caused by violations of FDCPA due to XXXX XXXXs abusive and deceptive business practices. Notice, it is a fact, affiant is aware, If judgement is made against XXXX XXXX I, the affiant, can and will pursue class action for the amount of XXXX to 1 % of your company in accordance with 15 U.S.Code 1692k ( a ) ( 2 ) ( B ). I DEMAND these items be removed from my consumer reports immediately.
Product: Vehicle loan or lease

I have no idea how much I owe on a vehicle that I purchased in XX/XX/XXXX because Santander has never sent me what I would be exactly paying on my car with finance charges. I purchase the vehicle on XX/XX/XXXX for {$16000.00} before interest which is supposedly 16.95 % but I never signed anything to that effect. I can't get the company to send me a statement or allow me to access it online. I have requested a password to go online but site is still not accepting it. I have requested a breakdown of the balance due and was told my interest calculates daily so they have no way of giving me a statement of my balance. I have been paying Santander Consumer USA on this vehicle since XX/XX/XXXX payments of {$350.00} and yes due to medical, personal and job loss problems the payments where not made on time. When I went back to work in XX/XX/XXXX the balance was {$10000.00} and I started making large payments to date I have paid {$4800.00} but yet the payoff balance as of today XX/XX/XXXX is {$6100.00} up {$17.00} from XX/XX/XXXX when the payoff amount was {$6100.00}. I don't understand how I can possibly still owe {$6100.00} on a vehicle that I have been paying on for 6 years. I made a payment of {$950.00} on XX/XX/XXXX and the  payoff amount was {$7400.00} and when I made a payment of {$600.00} on XX/XX/XXXX the payoff amount was {$7500.00} up {$120.00} in a month. At this rate I will never pay this vehicle off because my payment is not decreasing it is steady increasing day by day. I will continue to make large payments to try and have this account paid by XX/XX/XXXX, not by XX/XX/XXXX like they are saying.
Product: Debt collection

I have credit monitoring and its been active for several years. A company called ACS has left threatening messages on my phone and my parents phones. In the recordings they say I owe an outstanding debt ( I dont ) and this is going to impact my employment. The number they call from is XXXX and XXXX. Here is a transcript of the messages : This message is for XXXX XXXX ACS has tried to contact you on several occasions it is to be assume there are no intentions on a voluntary resolution is not the case we would need to hear from you prior to this affecting any employment in our bank accounts at XXXX once again the number is XXXX
Product: Debt collection

On or about XX/XX/2023, I received a suspicious email from Midland Credit Management , Inc., a debt collection agency in XXXX XXXX, CA. The email stated, " Welcome to MCM. Your XXXX XXXX XXXX  account has a new home. As a new consumer, we'd like to offer you an opportunity to discuss flexible payment options, including bi-weekly payment options, to resolve this account. '' It indicated that the account was transferred from XXXX XXXX XXXX ( original creditor ) to Midland Credit Management , Inc ( servicer and owner ) with a balance due of {$930.00}. However, the notice failed to include notifications required by 15 U.S.C. 1692g ( a ) ( 3 ) - ( 5 ) and FDCPA 1006.34-1006.42. On XX/XX/2023, I received another electronic notice from Midland Credit Management , Inc. escalating their debt collection practices. The email was a pre-legal notification stating that if I failed to pay by XX/XX/2023, " Midland Credit Management XXXX Inc. is considering forwarding this account to an attorney in your state for possible litigation. Please make arrangements to resolve your account. Once you have completely fulfilled your payment arrangement, you will be released of the obligation. '' The notice did not include required dispute disclosures. In addition, it is suspected that Midland Credit Management , Inc. has been placing harassing phone calls since XX/XX/2023, through a blocked number ( " unknown caller '' ) to avoid dedication. Approximately two days after the electronic notification on XX/XX/2023.
Product: Debt collection

I have repeatedly asked this company to verify a debt they say I owe. I have even offered them a settlement amount to take it off of my credit reports because this alleged debt is harming my credit. I have also checked on the FTC website and they are actually on the banned from collecting list. All they did was send old XXXX bills, but never verified any business I have with them. I do n't have no contract with Pinnacle. I asked them to show me something bearing my signature proving I owe Pinnacle anything. I have not received anything in writing from them at all! They ignored all my letters because I do n't want to do anything over the phone. I like to have a paper trail for everything I do.They sent your company a letter some months ago under a company known as XXXX back in XXXX. But I never received anything myself. I have sent them multiple letters and they fail to respond! When I went to file a complaint with FTC they said to try with CFPB first. I will take legal action if this is n't removed my credit reports. The link to the court judgement is below. I am trying to repair my credit and they are damaging it. Thank you for your time in this matter. I would love to get this resolved without taking legal action but they have left me no choice. 
https : //www.ftc.govXXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block Inc ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Tranfer Act ( EFTA ) and regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for the violations.
Product: Mortgage

1. XXXX XXXX filed a fraudulent foreclosure in the Fourth Judicial Circuit in and for XXXX County Florida case  no. XXXX. 
2. The case has fraudulent Notes, Assignments, and  Complaint because the Complaint is notarized the year before it was even made. 
3. The court gave a default judgment to the Plaintiff that does not exist.
4. Another department of XXXX XXXX XXXX XXXX says the note and mortgage this is attached to the loan number on my house is not in their system, so they do not own it.
5. This has been told to court but they refuse to listen because they are stealing properties from the American people and making millions of dollars. 
6. Attorneys are working with the judges and clerk of court aiding in the theft of properties using the name of the banks and trust.
7. I have a letter from the Plaintiff stating that a REMIC Trustee can not file foreclosure on a property. 
8. XXXX XXXX assignments were intentionally left out of the case showing ownership and break in the chain of title.
9. The Mortgage statute of limitation on lawsuits is being ignored.
10. These USC 18 Section 4 felonies reported to judges and sheriff are being ignored.
11. The SEC securities Fraud being committed by banks is being ignored.
12. The IRS tax evasion by courthouses is being ignored.
13. Identify theft creating new loan number without authority to do so.
14. My home is set for an unlawful sale XXXX XXXX 2017.  This property theft in progress is being reported to you.
15. FDCPA violations created.
Product: Credit reporting or other personal consumer reports

Ive wrote to the company to dispute i was told it meet by fair credit reporting. Ive also called procollect inc.
Product: Student loan

My co-signer, my grandmother made monthly payments for years after I graduated, but when I found out I could get in-school deferment, I took classes at the college where I XXXX to get them to leave her alone and get some relief from this overwhelming debt. I have been XXXX for 8 years with no permanent position in sight. As an XXXX, I am subject to my classes getting cancelled due to low enrollment, thus losing valuable income and receiving no pay whatsoever as opposed to a full time faculty member getting the same salary no matter if their classes get cancelled or not. There is no way I can afford to pay the regular payments, so I spoke to a gentleman claiming I could be approved for a program to lower my interest to 1 % for 15 months, and lower my payments to {$230.00}. Not that I can afford the amount but it was better than than the alternative $ XXXX- {$900.00} payment per month. After I paid the first month of the program, I got sent a denial letter. I think it is unfair practice to take the payment without prior approval to the program. Now I am in danger of default and short money I could have used towards other debts.
Product: Credit reporting or other personal consumer reports

I applied for a XXXX XXXX in XX/XX/2023 and it was approved. In XXXX of XXXX  The Forbearance was complete and I received a FHA partial claim to get back to current on my mortgage. XXXX XXXX is reporting the Foreclosure status on my credit report instead of reporting only the status at the time of my application for the XXXX XXXX as outlined in the Care Act. 
Mortgage company is reporting the delinquency up to the end of the forbearance up to the payment of the FHA partial claim ( XX/XX/2023 ) I have requested a dispute from all XXXX credit bureaus for it to be updated and the disputes came back unresolved and still showing delinquency status after XX/XX/2023 when I applied for the Cared Act Covid Forbearance.
Product: Credit reporting or other personal consumer reports

Hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew. Whos studying XXXX XXXX  finding a way to check if my XXXX emails were involved in this breach? To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts it would mean a lot to me it you could assist in removing the following from my credit report, these are the accounts :
Product: Checking or savings account

I received a deposit XX/XX/XXXX. Marcus bank closed my account. They requested information I sent it in, I was advised that the account would be closed and the money returned to the sender. The money was a loan and they are requesting that I pay the loan they never got the money back! I requested my money be released in XXXX they were supposed to send an affdavit I never received so I downloaded it from the website and sent it in on XX/XX/XXXXXXXX  I am reqyesting my money plus damages!
Product: Debt collection

Received a call about a charge off and I requested written documents 4 times in the conversation and every time changed subject only wanted me to send my bank statement and pay XXXX. I wrote an email to the company requesting information with no response and today they pulled my credit file. They are calling my job my family and my friends