23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I paid for credit card my minimum payment in time. XXXX XXXX, 2017 I received a letter from Capital One Bank, they are closing this account, because of usage and violations of the Capital One Customer Agreement.
I called to them and I spoke with representative, but he/she put me chine-line to talk numbers of unresponsable workers on phone, ask me verifications nothing more or less. I ask to explain what exactly I did wrong to violated they our agreement. Can you sent me to study.
I sent them a promissory note, and XXXX ( XXXX XXXX XXXX ) to discharge my debt.
This remedy government provide for us to use for our protection and it is absolutely lawful.
I processed a payment from Straw man account on my name XXXX XXXX XXXX, with my SSN XXXX. This payment was reversed. The Bank don, t have the right to restrict my right to use any account on under.
Product: Credit reporting, credit repair services, or other personal consumer reports

all not mine fcra violations : XXXX XXXX XXXX XXXX, TX, XXXX XXXX XXXX Account XXXX The company that reported the information has certified to XXXX  that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. 
View your Report | View your credit score Remains + 'icon ' Remains XXXX XXXX XXXX  XXXX XXXX Account XXXX The company that reported the information has certified to XXXX  that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. 
View your Report | View your credit score Remains + 'icon ' Remains XXXX XXXX XXXX   XXXX XXXX Account XXXX The company that reported the information has certified to XXXX  that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. 
View your Report | View your credit score Remains + 'icon ' Remains XXXX Account XXXX The information you disputed h
Product: Debt collection

Mrsbpo XXXX XXXX XXXX XXXX XXXX nj XXXX is attempting to collect {$630.00} claiming they are a debt collector for a credit card I have never had. They call multiple times and have sent letter asking for payment.
Product: Checking or savings account

I have been waiting for my direct deposit of {$3100.00} since yesterday and Capital One banking just say their system is down. I need to pay my bills!
Product: Checking or savings account

I deposited funds into my Robinhood brokerage app via the instant transfer service provided on the app. My account was immediately locked ( I've used this service without issue in the past ) and my funds were seized by Robinhood, who's customer service refuses to communicate with me about this issue.
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an Items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 

XXXX XXXX XXXX Balance : {$750.00} XXXX XXXX XXXX Balance : {$950.00} XXXX XXXX XXXX Balance : {$880.00} XXXX XXXX XXXX XXXXXXXX Balance : {$3200.00} XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

I received a number of misleading threatening phone calls over a span of several years from Portfolio Recovery Associates who refuse to identify themselves at odd hours of the day and night. They ask and disclose personal information to others and I've asked them to stop harassing me on a number of occasions. I've filed complaints that they are trying to collect a debt that someone illegally obtained years ago and way beyond the statue of limitations yet I her spoken to and yelled at disrespectfully by this company
Product: Debt collection

Called multiple times, I explained I am handling this issue on my own, I do n't have the money to pay. I ask to please stop calling on XXXX/XXXX/16 at XXXX XXXX. I just received a call at XXXX on XXXX/XXXX/2016
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I have recently been informed that there is negative information reported by XXXX XXXX in the file you maintain under my Social Security number. Upon reviewing a copy of my credit report, I see an entry listing chargeoff/collection/late on XXXX/XXXX/XXXX. this account was open while being XXXX oversea. I am XXXX XXXX military and place for alert on my credit report to stop this type abuse from this company and I have ask this company to send me documents to show I open this account and sign for this account. Until this day they have not provide this information. I challenge the accuracy, compliance and reportability of this listing. Please validate this information with XXXX XXXX and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to e-oscar or any means of automated verification. Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act My contact information is as follows :  XXXX XXXX XXXX SSN : XXXX XXXX XXXX XXXX XXXX, CA XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action
Product: Credit reporting or other personal consumer reports

Improper use of credits and violations of XX/XX/1974 privacy act, XXXX XXXX XXXX dollars for damages claim demand
Product: Payday loan

I contacted The Bureaus to pay off a debt. The person that answered the phone did not tell me her name. She was extremely rude and disrespectful. She said she could not work with me under the circumstances and I asked for the fax number. She said I did n't need the fax number and argued with me when I insisted on having the fax number. Then, before her response was audible, she hung up on me. I called again, and spoke to someone that referred to herself as " XXXX ''. She was also very disrespectful after I told her what the how the other associate had treated me. I asked her for the fax number. She gave it to me and hung up on me. Then, I called back and asked to speak to a Supervisor. " XXXX '' answered again. She told me there was no Supervisor. I asked her how they ran a business without a Supervisor. She asked if she could help me. I asked, " Are you a Supervisor? '' She answered, No. I said, " Then you ca n't help me. I 'd like to speak to a Supervisor. '' She refused. She said that no one was available. I asked her when someone would be available. She asked why I had an attitude. I told her it was because she was refusing to let me speak to a Supervisor. She said, " I already told you no one was available. '' I said, " When will someone be available? '' She said, " Tomorrow morning, '' and then she hung up the phone. 

All I wanted was to pay my debt and they were completely unwilling to work with me. They were rude, disrespectful and they hung up on me a total of four times. They knew who was calling, because I put in my social security number, and the first time they answered, they asked if I was XXXX XXXX. I responded yes. So that tells me that the prompt to enter my social security number immediately told the person that answered the call my name. So, the 2nd and the 3rd time that I called and they hung up on me, that let 's me know that they knew who it was that had called. 

This experience was humiliating and upsetting.
Product: Credit reporting, credit repair services, or other personal consumer reports

I signed up with XXXX XXXX XX/XX/2016 in doing so I saw a bankruptcy on my credit so I wrote a letter to the creditor who had reported this items according to the credit report it was : TENNESSE FEDERALCOURT - it was dated for XX/XX/2016 XXXX XXXX XXXX XXXX XXXX, TN XXXX About a week later My inquiry to the U. S. Bankruptcy Courts confirmed Transunion Credit Bureau has never validated or verified these public record entries on my credit report, neither will they ever be by them. They further stated while they are NOT liable or responsible for any MISUSE or INCORRECT public records, nor the distribution of said information, public records may, and oftentimes are, reported by third party sources unawares to the consumer, and in most cases, incorrectly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been communication with all 3 bureaus via USPS and occasionally over the phone when I could get ahold of a dept that wasn't outsourced in a foreign country. I was instructed by a helpful rep over the phone at XXXX, she informed the methods necessary to have fraudulent accounts properly disputed and removed. I send a series of letters to all three credit reporting agencies and only XXXX has complied. I would like for a representative in the fraud department to take a look at my information and properly process my identity theft dispute.
Product: Mortgage

I experienced job loss, divorce, and a death in my family that contributed to my hardship, and the necessity of requesting a mortgage modification. I contacted a HUD approved counseling agency to help facilitate the mortgage modification process and at this point we are at a stalemate with StateBridge mortgage loan servicing company. My mortgage was sold to StateBridge over XXXX year ago, I have been in the process of trying to modify my mortgage throughout this entire time. Before StateBridge, purchased my mortgage it was with XXXX mortgage loan servicing company, we were at the final stages of reaching a modification when my mortgage was sold to StateBridge. My taxes and insurance were escrowed with XXXX and It was my understanding that the same would be true when StateBridge started servicing my mortgage. I had homeowner 's insurance through XXXX and StateBridge put forced-placed insurance on my property during the time my policy was still active with XXXX. My XXXX policy was not paid through escrow as a result my policy lapsed. StateBridge is requesting that I reinstate my homeowner 's insurance policy to approve my mortgage modification, however XXXX will not reinstate the policy without proof of insurance from StateBridge. StateBridge will not provide proof of insurance for the force placed insurance. We are at a complete stalemate at this point. StateBridge has made several errors reporting this loan to the credit bureaus and were forced to delete this loan from my credit report. It is my belief that this loan is predatory in nature, and I am requesting a fair loan modification based on the low loan balance, high interest rate, and the value of the property.
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX am a natural born live and breathing human being, Pursuant to 15 USC 1681 section 602 states I have the right to privacy. This is an invasion of privacy as well! In accordance with the Fair Credit Reporting Act this creditor has violated my rights. 15 USC 1681 ( section 604 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USC 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. XXXX, XXXX, XXXX, XXXX XXXXXXXX INNOVIS is reporting accounts on my consumer report, WITH OUT MY WRITTEN INSTRUCTION! IF YOU HAVE MY WRITTEN INSTRUCTION PLEASE PRESENT IT TO ME! ALONG WITH EVERYTHING ELSE IN YOUR FILES TO VALIDATE THESE ACCOUNTS ( listed below ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX you have 30 days to provide me with this information! In the meantime your neglected actions constitutes as FRAUD, and these accounts must be corrected within 3-4 days. UNTIL YOU CAN FURNISH THE PROOF THAT I AM ASKING FOR SHOWING YOU ARE NOT IN VIOLATION OF MY RIGHTS. THIS IS NOT A MISTAKE, I WILL FILE A LAWSUIT FOR YOUR NEGLIGENCE OF THE LAW.
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$0.00}
Product: Mortgage

Following a 2 year long battle with Citimortgage where they attempted to foreclose on me 3 times and actually refused payments to ensure that would occur -- I finally found a workable solution with the assistance of Legal Aid in Oklahoma. One of the main issues was to ensure the new note and subsequent payment would be feasible given our income. We are both XXXX in the XXXX state ( OK ) for XXXX nationally so our income is low but stable. The final loan included years of ( and XXXX of dollars in ) illegitimate delinquency and foreclosure fees and basically resulted in us being underwater with no chance of ever catching up. The payment was set at $ XXXX which we have paid in full for the past 12 months on time. I received a letter today stating the escrow account was deficient and our new house payment would jump over 40 % to {$1000.00}! I was NEVER given any warning or notice from Citimortgage that after just one year of on time payments with the new XXXX loan for a house I bought for XXXX in 2002 -- My payment would skyrocket to a level we can not afford. In fact one of the main reason for delaying the workout process was ensuring we could afford the payments and now, a year later, we have been asked to pay over {$300.00} more every month for a home we have long outgrown. We are trying desperately to fix our credit and pay off debts to make a better life XXXX XXXX kids and between the {$120.00} XXXX in student loans I have and this new mortgage surprise- I fear this home and more specifically- Citimortgage -- may have cost me my chance at the American Dream- I feel hopeless- we fought so hard and for so long to not be foreclosed on and now to be forced into such a price increase with no warning at all increases greatly the odds of us falling back into default. Can someone please help us fight the XXXX that is our mortgage company -- I ca n't do it alone anymore.
Product: Student loan

Good afternoon, I am not sure where to begin or how to handle this. 
I got a student loan XX/XX/XXXX, was making payments had some money issues and was in forbearance and continued with payments after the forbearance cycle. 
XX/XX/XXXX My husband and I filed Chapter XXXX Bankruptcy and in this bankruptcy was my student loan with XXXX  XXXX XXXX/XXXX for the remainder of my loan {$1400.00}. Per the paperwork from my attorney the student loan was included. Our bankruptcy has been discharged as of XX/XX/XXXX. 
On XX/XX/XXXX I received a letter from Navient that my student loan was now being serviced by Navient. I contacted them via telephone, XX/XX/XXXX, spoke with a XXXX and she informed me that my loan was my responsibility. I asked how that could be when my student loan was included and paid through my bankruptcy. I asked her to investigate this a little more for me as she could not answer my questions. My first payment was due XX/XX/XXXX, total unpaid balance was {$1800.00}. I made 2 months of payments XXXX and XXXX, I did not not want them to reflect negative on my credit report. Still waiting for a response to my questions from my phone call to Navient. I have now received a letter from Navient XX/XX/XXXX, that my student loan was paid in full, the very next day I received a refund check of the payments I had made in XXXX and XXXX. I was thankful for this after speaking with XXXX I thought they had rectified this account with the bankruptcy courts and the fact that I am trying to get us on good credit standing since finishing bankruptcy. 
Now as of last week I received another Statement from Navient dated XX/XX/XXXX stating my loan amount is {$1800.00} and payments are due starting in XXXX. I called Navient XX/XX/XXXX spoke with XXXX, after he reviewed my account he informed me the letter stating i was paid in full was sent to me in error?? why and how was not explained, I stated this was paid through bankruptcy and he stated it was my responsibility and they could not help me with anything even though the letter was sent in error they were not willing to work with me. 
I don't believe I owe this balance and do not know where to begin to fight this. I am hoping you can help me with some advice. 
Please and Thank you XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Mi XXXX XXXX
Product: Debt collection

Pursuant to 18USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15USC 1681b 2. company has NO permission to report ANYTHING using my info pursuant to 15USC 1681 4.
Product: Mortgage

I bought my home in XX/XX/XXXX and refinance and Chase now J P Mortgage Chase assume the mortgage in year XX/XX/XXXX. I never missed a payment. I paid all the PMI insurance. My finances changed dramatically in XX/XX/XXXX. I applied for the XXXX XXXX  XXXX and was awarded the 18 months of help. After that assistance went by I still did not make the money I use too. I went to Chase in XXXX of XX/XX/XXXX to see what assistance program I can apply. In the process I still made my payments on time. I have exhausted all funds and in much credit card debt and other debts. I started the process I faxed, email all the document timely and call to confirm the documents were received. The window was 90 days. I communicate and wrote down wrote everything I did. At close of the decision they switch the person handling my file. Allowing my income verification to expired. I asked what happen? At first they appeared to be helpful. Then the games were being played. Got a new person, they are telling I need to resend everything over again, I had to change the address of my light bill because I use a XXXX XXXX . The billing cycle for the light bill already had past and my window was closing with Chase. I spoke with a supervisor about why I have to fax over information that did not change, like a divorce decree it should be in the system. I complaint about how the representative lied to me and to pull the recordings. This was a six month process XX/XX/XXXX thru XX/XX/XXXX. The final decision was pay {$10.00} in XX/XX/XXXX and come up with 3 months of full payment in XX/XX/XXXX. They XXXX XXXX a package which I did not sign. They had it on my credit report that I were in a forbearance program. I submit a complaint to the credit bureau remove it off my credit report because I did not accept the offer. I recently received a XXXX check from Chase stating they could of took more time in helping me. This was a willfully and deliberate intent not to help and let the first window to close and abruptly change my rep. My complaint -Why have these so call assistance programs and you really do not want to assist? These people are rude by over talking you over the phone, liars and not helpful. They pay people not to help. Again, I never missed a mortgage payment. I have a voice and want to be heard. I 'm not inept nor nave, I know what they did even though they so call went by their so call rules. Telling me if you can not afford the house just " short sell ''. I bought my house in the President Clinton reign..my interest fixed rate still is at 7 percent.  They could of lower my interest rate without refinance and without adding more money on my mortgage!!. There are folks with 3 and 4 percent interest rate with bad credit. They have almost 20 years of payment AND THEY COULD NOT HELP?. They are not breaking the law being unhelpful and rude. But these companies like Chase hide behind these so call rules so they can slide under the radar giving the appearance of practicing ethically. But they are not!! Adding to the insult-sending me a XXXX check for not helping. 

XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act, XXXX account number XXXX, has violated my rights. 

15 USC 1681 section 602A states I have the the rights to privacy.

15 USC 1681 section 604A section 2 it also states, a consumer reporting agency can not furnish a account without my written instructions.

15 USC 16665 a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Checking or savings account

On XX/XX/year> ( XXXX XXXX  ) I received a notification from Chase Bank that my business account was blocked as a precaution and that I should contact them. I went directly to the Chase branch and they told me that the account was under review and a check would be sent in a maximum of 2 weeks. 

It's been over a month and I haven't received the check. When I go to the branch they treat me rudely and don't give me a solution. I am an older person and they are affecting my small business. Every time I go to the bank they treat me rudely. 

There are people who depend on me and this is affecting several people.
Product: Checking or savings account

The statement : You have received a bonus for opening a Wells Fargo XXXX XXXX  account within the past XXXX  month can be correctly interpreted as : You have received a bonus for opening a Wells Fargo XXXX XXXX  account which you opened in the past XXXX  month This is how I interpreted it, grammatically and syntactically proper and correct, which is confirmed by the government ambiguity resolution recommendations XXXX XXXX XXXX XXXX and how the other banks interpret the same statement ( attached ) https XXXX XXXX XXXX  legal To be eligible for bonus offers, you must not have opened the same credit card product and received a bonus in connection with account opening within the last XXXX  months. For example, if you opened a XXXX XXXX XXXX XXXX XXXX  on XX/XX/XXXX, and subsequently received a bonus in connection with account opening, then you are ineligible for an account opening bonus on any other XXXX XXXX XXXX XXXX XXXX opened before XX/XX/XXXX, subject to other terms and conditions '' This interpretation was also confirmed as the correct XXXX to me by XXXX Wells Fargo bankers which I state as the truth and only the truth.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft the following inquiries listed below and also in my attached identity theft report are fraudulent and were made without my conscent TransUnion Fraudulent Inquiries XXXX XXXX XX/XX/year>