23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Re : Chase Visa XXXX, BA Executive Club XXXXDear people : I have a Visa card, referenced above, issued by Chase, that awards British Airways points for spending. The statement generates on the XX/XX/XXXX of each month and normally the points are posted by British Airways by around the XX/XX/XXXX of the month. This month, the XXXX XXXX statement points already have posted and today is only XXXX XXXX. 

However, the XX/XX/XXXX points ( Visa statement attached ) never posted. 

When I call British Airways, they tell me to talk to Chase. When I talk to Chase, they tell me to talk to British Airways. It seems that somewhere in the bank, my points are stuck in some sort of limbo and I am feeling like a tennis ball going back and forth between the XXXX of them. 

Can you convince Chase to make certain these points are sent to British Airways for me?
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inclusion of unauthorized information on my credit report, which infringes on my privacy rights. This unauthorized information violates my privacy and is harmful to my financial standing and I also want to note that this was already deleted by both XXXX and XXXX. I never authorized this information to be reported on my credit report. As a consumer, I am aware of my rights, and those rights are being violated by the information currently reported.
Product: Debt collection

This collection agency was collecting a debt on behalf of a hospital physician that could not bill me because the hospital failed to record my information properly two years ago. After I found out about the collection from a credit monitoring service, I reached out to Phoenix Financial Services. I notified them of the error, but the representative pressured me to pay the debt so it doesn't hurt my record. I settled the debt with the representative from an original amount of {$490.00} to {$140.00}. A week later, I was called by a supervisor from this collection agency to collect more money, because he claimed that the representative who I spoke to did not have the authorization to settle the amount to {$140.00}. 

They have broken the following laws : 1.The Fair Debt Collection Practices Act ( FDCPA ) which covers medical debts mandates that a debt collector is required by law to inform the person theyre collecting from that they can dispute the debt. This did not happen even though I told the representative that this is a billing mistake. Instead, he pressured me to settle so that it doesnt hurt my credit, as he put it.

2.The Fair Debt Collection Practices Act ( FDCPA ) states that a collector may not harass anyone over the phone or through any other form of contact. This did not happen when their supervisor called me to collect more money from me even after I settled a debt that I should have disputed first.
Product: Debt collection

did not consent, nor benefit from or authorize any of the following Accounts : XXXX XXXX XXXXXXXX XXXX Account # ending in : XXXX
Product: Mortgage

Loan # XXXX XXXX XXXXProperty Address : XXXX XXXX XXXX XXXX XXXX XXXX, CA.XXXXWells Fargo Home Mortgage in the past has sent me some Pick A Pay Loan Disclosures that change depending who at Wells Fargo Home Mortgage is working that day. Now I dont know which document is real and which one is fake or our both documents fake. Doing this to home owners is called robo signing.Wells Fargo Home Mortgage will not give me a update on the status of my Loan modification application. 

Wells Fargo Home Mortgage has fabricated loan disclosures and now they are not sure which fabricated document to send in this complaint. 


I have made 4 request to Wells Fargo Home Mortgage requesting copies of all original mortgage statements from the start of this loan because I do not have all copies of all my mortgage statements from the start of this loan. I need all copies of my original mortgage statements with the front and back copies disclosing all required disclosures in order to validate the debt and loan servings concerns. In a typed response Please do not skip this question. 


Are there in Corp Advance fees, Inspection fees, court fees legal fees, for this loan? If so on what dates? 

What is the status of my Loan Modification Application? 

Will you tell me what my loan option are? 

Who will be my single point of contact for my loan Modification? 

Please submit Name and address and phone of trustee/Investor for this loan for lending disclosures including fraud concerns. 

On what date did you receive my Loan Modification Application? 

Was my Loan Modification Application Approved or Rejected? 

I have not spoken to a Single Point of Contact will you assign me a new Single Point of Contact? 
Who is the trustee or investor for this loan? 
Please send me your Mortgage service agreement?
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been trying to get a copy of my Lexis Nexis / XXXX XXXX report for the longest and every time i fill out the form, I never receive anything in the mail. I am frustrated because I need to dispute incorrect information from my report that's preventing me from obtaining lines of credit.
Product: Debt collection

I went online last summer around XXXX to look into a short term loan. I submitted a former that I guess connects you with multiple lenders. In the end I ended up with a payday loan from a company called XXXX. I guess now it 's called Big Picture Loans. Well from the moment they deposited XXXX into my account I started getting multiple calls from other companies trying to deposit money and XXXX calling you collect way more than the MN law states is legal. Than I find out this company based XXXX per online but they list MI HOWEVER not legal in WA per Department Of Financial Institutions. This is XXXX XXXX XXXX and they are not licensed XXXX. I read how they continue to debit your account towards fees only nothing to principle and the rates are beyond belief. As soon as I started getting scam calls after the deposit from people with accents saying I 'm going to jail for bank fraud check fraud etc I got scared I called my bank immediately and canceled this unknown tribal company from access. I have called XXXX who is now Big Picture Loans to obtain a way to mail what i borrow plus the fee that I found through research that in MN online loans can charge a maximum of 33 % I found so with what I loaned XXXX I felt I owed XXXX each time I call it am asked for every piece of my personal info dob, ssn. Address drivers license #, etc I am pursuing on hold and issue is never resolved. I am now being harassed by another company a debt collection company who state they are hired by XXXX XXXX in XXXX demanding I pay {$3800.00} or I 'll be charged with check fraud amount many other charges. This company is called XXXX XXXX out of XXXX XXXX. I asked for a validation of debt as I want to pay the legal amount I owe. But they refused continue to threaten with legal charges unless I give my card #. I asked for some proof this is legit they would only give me a generic email setting up XXXX payments of like {$290.00} and no address of the debtor just a generic " castlepay '' memo. I asked if I were to call Big Picture Loan would they know you 're the collection company handling this and they said no they would n't. So after I was scared about these so called legal charges I gave my XXXX XXXX card # but before signing some email they sent I ended the call. Called my bank to cancel my debt card realizing it 's a scam but they scared me enough to almost agree to there insane demand. I once again called big picture loan they were not associated with trademark as I suspected but again I was back to square XXXX. No one was willing to help and they wanted all my personal info again. I have also gotten emails from random places about fraud charges arrest warrants. I 'm loosing sleep, I 'm nervous, I Feel my information was given out I get calls.and emails weekly thanking for applying for payday loans I did n't apply for. I truly just want this to end I want to pay what I loaned to the right company and the legal amount of fees by XXXX laws. 
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Product: Mortgage

In connection with regards to the above mention capture, a contract agreement was enter and agreed upon on into ( XX/XX/XXXX ) date, for the sale of this property in the amount of ( {$180000.00} ) due the appraisal value coming in {$2000.00} more I believe the sales price was increase and an amendment to the contract of sale was done in which I never signed, nor did I agree to pay the revised sales price. 
As a result of this my loan with FBC Mortgage was suspended for the following issues, having less a two employment history, in which I provide supporting documentation for supporting I had a two year  work history. ( I was hurt on the job and was out on workmen compensation ) and the owner 's wife who is the bookkeeper put the incorrect dates on my verification of employment. 

The other was my debt to income ratio but I am really not sure why this was an issue as I could have paid off and closed any debt to reduce my ratios. ( Our income is {$5100.00} and our proposed housing payment would have been {$1300.00} making our front ratio 27 ). 

My credit has been ran multiple times and the report was n't even 120 days old. Why was my credit ran after the application ( XX/XX/XXXX )? 

This is very disturbing, my wife and I are very disappointed in how are our mortgage was mishandled, misled, Totally lack of communication at times with the loan orginator XXXX XXXX, professionalism and respect. I thought FBC Mortgage was a reputable organization referred through XXXX XXXX as we were looking forward to being homeowners. 

What FBC Mortgage did was not right and if I could get my message across to help someone else who may have experienced what I went through it could mean a lot. Everyone deserves a fair opportunity to become homeowners.
Product: Credit card or prepaid card

On XX/XX/XXXX my family booked a vacation on my citi card with XXXX / after arriving at the destination it was not as described and infested with roaches. We called XXXX XXXX  several times, they did not answer. We took our toddlers and fled the property. We then contacted Citi because XXXX wouldnt acknowledge us and we left well before our pre paid stay was over due to uninhabitable conditions. Citi card never asked me for further proof ( I have photos, screen shots and endless proof that citi could have had had they asked ). Citi maintains they heard back from the merchant ( XXXX ) closed it and ruled in their favor- without so much as reaching out and asking us for more info. This was a $ XXXX issue. Citibank is consistently handling things like this. I have the proof we are in the right, citi never reaches out and asks- they always side with the merchant.
Product: Credit reporting, credit repair services, or other personal consumer reports

I hope you can help me to remove these items from my credit because I can not progress in my life like buy a house, get car or even get a credit card. The way life is now credit is everything. On XX/XX/21, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. I hopes that I can get some assistance in reaching these credit bureaus. They are unlawfully reporting late and missed payments on my credit report during the pandemic. I wasn't able to work during those times when the payments were missed and they aren't giving any consideration and I have submitted my compliant over a month ago and still haven't gotten any results. I am the only one who is working in my family and i need to provide a good life to my parents and these fraudulent items will hurt me to provide as daughter. so please help me while I move forward with helping my family thanks.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the FCRA / 15 U.S.C 1681, I have certain rights as a consumer. Upon reviewing and comparing my current credit reports, I have discovered more than 14 violations of my rights accross 12 different accounts. These violations span multiple sections of the FCRA including, but not limited to sections 602, 605, 607, 609..

I logged into the Transunion website, to dispute these items and discovered that I could only submit one item every 30 days. It would take approximately XXXX year to get all these items corrected. I should be able to report and have items corrected in a reasonable amount of time.. 

Listed below are the accounts that ALL have discrepancies regarding " Date Last Active ''. None of these accounts have consistent dates across the credit bureaus for the same account. ( Please see attached documents that show the discrepancies ) Also, I do not agree with the dates listed as some accounts should be " aged out ''. 

>>>Inconsistent and Inaccurate regarding Date Last Active for XXXX accounts ]. 
- XXXX XXXX XXXX ( Original Creditor : 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 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 ( Original Creditor : XXXX  ) Account # XXXX. 
Furthermore, some of these accounts have additional violations which are also highlighted below. 
. 
>> [ Fraud : The following accounts do not belong to me. ] See attachment - XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX  ) Account # XXXX After a previous dispute of this account, Transunion XXXX said that the account was " verified '' but did not provide any additional details. Because this is a fraudulent account, it essentially impossible to verify this account. This account should NOT be on my report. 
. 
- XXXX XXXX XXXX ( Original CreditoXXXX XXXX XXXX  ) Account # XXXX I never opened an account with Progressive in XXXX XXXX XXXX. This account should NOT be on my report. 
>> [ SAME ACCOUNT NUMBERS LISTED MULTIPLE TIMES WITH DIFFERENT BALANCE AMOUNTS ( See attached ) ] - XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) ... also ... XXXX XXXX Account # XXXX This Account is being listed by the original creditor and a collection agency each listing has a different balance for the same account number - XXXX XXXXXXXX Account # XXXX ( listed twice ) This Account is being listed twice. Each listing has a different balance for the same account number
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX, and upon checking my most recent credit report, I noticed that the Credit Bureau is continuously reporting accounts with erroneous information. This is a massive violation of the Fair Credit Reporting Act. I have already addressed them with regard to this issue and I have not received any response from them until this date. 
XXXX XXXX XXXX Balance : {$13000.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$2900.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXXBalance : {$260.00} XXXX XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX XXXX ) XXXX XXXX {$1100.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXXBalance : {$380.00} XXXX XXXX XXXX  XXXX : {$0.00} XXXX  XXXXBalance : {$74.00}
Product: Credit reporting or other personal consumer reports

LVNV Funding llc ( {$1200.00} ) Account number - ( don't have ) This company removed collection from my report and then put it back. This company is working illegally. It is very frustrating and I have not received any letter from them...
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

On XX/XX/XXXX I received a call from XXXX XXXX XXXX a young lady name XXXX who stated she was calling from Transworld System on behalf of XXXX XXXX XXXX XXXX XXXX. She went on to tell me this was an attempt to collect a debt. Confused as to what she was talking about I questioned, what debt? I have no outstanding debt and vacated the XXXX XXXX XXXX  XXXX XXXX accordingly back in XXXX, following the expiration of my lease. She was unable to provide me dates as she stated she did not have any supporting docs on file. I sincerely thought I was being prank called as she was unable to provide any validating information and not to mention, this was the first I had ever heard of this. I further asked IF this was true, why would they wait almost 5 years to attempt to collect. She stated theyve made attempts at contacting me but were unable to locate a number for me. Thats bogus I told her. Just as she was able to dial my number and get me, they would have been able to do the same but they didnt. As a matter of fact, my number has not changed its been the same for over 7 years, so that was a lie. 

She went on to tell me that XXXX XXXX XXXX XXXX XXXX is alleging I owe for missed payments/rent ( back rent ). I asked when did the miss payment take place? She was unable to provide me dates as she reiterated, she did " not have any supporting docs on file. '' Yes, I resided at XXXX  XXXX XXXX XXXX XXXX and vacated in XXXX when my lease expired, never having missed a payment. It's been nearly 5 years, of course I'm no longer in possession of rent receipts. I'm sure they expect this. Therefore, I requested from her an itemized statement. Instead, on Friday XX/XX/XXXX I retrieved a letter that they were collecting a debt and I had 30 days after receiving the notice to dispute. Surely, Im disputing this with Transworld Systems Inc but I also ask that The Consumer Financial Protection Bureau intervene as this company is threatening me with a falsified debt that is not only fabricated ( or possibly misdirected ) but outside Maryland statue of limitations ( 3yrs ) in which action can be brought.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I contacted Equifax about the following incorrect information on my credit report. To date, I have not received a response. 


Regarding the XXXX XXXX XXXX account ( Date Opened : XXXX XXXX, XXXX, Balance : {$8700.00} ), I disagree with the reported balance of {$8700.00} and request that you delete the information regarding the Past Due amount, as this account is closed and charged-off. Since my credit score is affected by changes to my accounts, I request that you mark this account as disputed so that it does not negatively impact my credit score. 
The information on the XXXX XXXX XXXX XXXXXXXX account ( Date Opened : XX/XX/XXXX, Balance : {$4800.00} ) is inaccurate and is harming my credit reputation. The reported balance of {$4800.00} does not correspond to the lower amount that I remember. I request that you revise the Past Due information, as it is not accurate to report a Past Due amount for a closed account that was charged-off. This account has likely caused my credit score to decrease, and I need to reach an agreement with my creditor regarding the incorrect data. Therefore, I request that you mark this account as disputed so that it does not further harm my credit score. 
The reported information on the XXXXXXXX XXXX XXXXXXXX XXXX account ( Date Opened : XXXX XXXX, XXXX, Balance : {$710.00} ) is inaccurate. The reported balance of {$710.00} is inflated and does not correspond to the lower amount that I remember owing. The XXXX XXXX amount reported by your agency for this account is also inaccurate, as this account is closed and charged-off. Therefore, I intend to contact the creditor directly to correct this information, and I request that you mark this account as disputed until the issue is resolved. 
The reported information on the XXXX XXXX XXXX account ( Date Opened : XX/XX/XXXX, Balance : {$33.00} ) is imprecise. The reported balance of {$33.00} is higher than the amount that I remember owing. Therefore, I request that you remove the amount indicated in the Past Due section, as this account is closed and charged-off. I plan to speak with the creditor of this account to clarify the reported data. Until the appropriate corrections are made, please mark this account as disputed.