23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$1800.00} XXXX XXXX XXXX XXXX XXXX Balance : {$23000.00} XXXX XXXX XXXX XXXX XXXX : {$6600.00} XXXX XXXX XXXX XXXX Balance XXXX {$5000.00} XXXX XXXX XXXX A XXXX Balance : {$1700.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance XXXX {$1800.00} XXXX XXXX XX/XX/XXXX.
Product: Credit card

I file a fraud claim with Discover credit card. My purse was lost with my device and my personal information. This happen back in XX/XX/2023 or beginning of XXXX. Someone used it and DC filed the claim I told then do not send me another Credit card until everything is settle. They stated a new card was sent and activated with my old device. I told them I did not received the new credit card and filed a new claim and was denied. They told me some of the charges are from the same stores I usually shop.. I was very frustrated when I hear this. I ALWAYS pay my bills on time and the total balance. My credit is very good and this is terrible what is happening. I am not going to pay something I did not used. I am not planing to pay this CC is they don't resolve this issue. I cancel my payment for XXXX because they need to resolve my situation first. I don't want my credit to be affected it by this. I have no record of past due or collections on my credit. But I am not going to pay for something I did not purchases.
Product: Mortgage

The mortgage company, Freedom Mortgage, did not pay my XXXX  property tax from my escrow account, despite the funds having been deposited into the account. 

I verified my property tax status on the XXXX XXXX, Washington website and found that no payment was made for the second half of XXXX. There is an outstanding balance of {$1900.00}, along with accrued interest.
Product: Credit reporting, credit repair services, or other personal consumer reports

Over the past couple of months since XX/XX/2021, I have been trying to have the credit bureau fix my personal information that is being reported. This company never responds to my letters since I've XX/XX/2021. I will attach proof of address with my license to show proof what my current and only address has been the past ten years.
Product: Credit reporting, credit repair services, or other personal consumer reports

They stated that they verify the information as being correct but it not reporting correctly on all three credit bureaus.
Product: Money transfer, virtual currency, or money service

{$6500.00} was Zelled out of my account to someone else. I filed a police report for the missing phone and reported to Bank of America and they did nothing!
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXXXXXX XXXX XXXX Account NumberXXXX Account Name : XXXX Account NumberXXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account NumberXXXX  Account Name : XXXX Account NumberXXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

After reviewing my credit report, I discovered accounts that I did not recognize or apply for. Upon further investigation, I realized that my personal information was exposed in several data breaches as well. I have no recollection of applying for any of the accounts in question, and they are negatively impacting my credit. Per section 15 USC 1681 c-2, any fraudulent accounts that i did not authorized or signed a contract for must be removed off my credit report in 4 days. 

These fraudulent accounts are not only damaging my credit but also causing my significant stress and anxiety. I have no connection to these to these account accounts and urgently request their immediate removal to prevent further harm to my financial well-being.
Product: Credit card or prepaid card

From XX/XX/XXXX- XX/XX/XXXX, this card was 100 % paid off and not being used. In XX/XX/XXXX, I decided to purchase a new couch which was a little over {$2000.00}. In XX/XX/XXXX, I realized my Synchrony XXXX credit card was closed after logging into my account but not because I requested a closure. After calling their customer service line, I was informed the company closed my account without my consent, due to 'other " delinquent accounts on my credit report. I have a positive payment history with them and have had this account since XXXX. As a long time card member with them, this closure could have been prevented if they had communicated to me there was an issue. There are NO late payments reported from Synchrony XXXX to any of the 3 credit bureaus, no phone calls placed to collect any monies owed, nor communication prior to them closing my account. The customer service agent stated this was done to 'protect the company ', how about protect the consumer? Reach out and ask if there are any mutual remedies both parties can agree to to prevent such a situation? My credit has been negatively affected with one of my oldest accounts being closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

SANTANDER CONSUMER USA has sent me back documents that are not in the original documents. These documents that were sent to me has an individual on the contract that goes by the name of XXXX XXXX I have no knowledge as to who this person is. I have submitted it to SANTANDER CONSUMER USA and also the credit bureau ( XXXX ) they have yet to supply the original document with my correct signature on there. 
ACCT NO. XXXX XXXX XXXX// XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX I've never own or been associated with this vehicle
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax ; XXXX  and XXXX are reporting incorrectly that I am ( 30 ) days late on the XXXX partial account number **** XXXX. ( Please see page attached from my credit report. ) I have never missed a scheduled monthly payment on this account. I have attached bank statements from XXXX and XXXX reflecting each timely monthly payment for reference. This false reporting of late is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Product: Checking or savings account

Capital One Bank- Deposited a large check to the account in person at the branch. Later flagged as suspicious. Called the number on the account to verify identity and was told everything is fine. Checked cleared and wrote out checks to disperse the funds. Account again placed on hold, checks were returned. Unable to acces the account. Spent 3 hours at the branch to resolve the issue. Was told nothing they can do, will escalate to their digital team and assured me someone will call me back. No one called me after 2 days. I called the bank again and was told it is not a digital issue, it has to be escalated to the executive team and we have to wait 45 days because it is first come first serve. Apparently there is a long waiting list of complaints to be resolved. Can not get anything in writing about the case number or who is working on the case. I was told I can write to the Executive office to file a grievance and it will only take 2 weeks. Funds are held up for no valid reason, due to their internal incompetence.
Product: Checking or savings account

I called and asked that they not allow certain company to access and withdraw money from my account and they were still doing so and the officelocation is an inconvenience for me as a customer because its only so many options and all locations are to far to travel to the overdraft fees are more than I can handle at this point and there is no accommodation on their parts I just want them to close the account but they wont do it
Product: Checking or savings account

I bank with Chime. As of XX/XX/XXXX, I was a victim of housing fraud by XXXX XXXX that banks with Chime as well. I needed documentation proving that XXXX transactions were sent directly to him on the chime pay anyone method, including his full name on the documents bc I can not use a bank statement bc his full first and last name has to be included to provide to the detective to show proof of funds being sent. Chime bank will not assist me with recouping the money. Also, bc I live in Georgia my detective can not actively request documents due to the fact that the bank has a law against it bc they are out of California. 


Transaction Dates and amounts are : XX/XX/XXXX {$1000.00} and {$90.00} XXXX XXXX {$100.00} and XX/XX/XXXX {$75.00}
Product: Vehicle loan or lease

My automobile loan was paid in full in XX/XX/XXXX and to this day I have not received my payoff acknowledgement. I had been paying through my bankruptcy so this resulted in an overpayment to Santander, the lender. I called Santander in XX/XX/XXXX to see when I could expect my refund. I don't know their reasoning but I was told it would be mailed out in XX/XX/XXXX. XX/XX/XXXX I called and spoke to a guy who was a bit nasty in his attitude and unconcerned about my issue. He indicated the payment was sent out on the XX/XX/XXXX. I called back on XX/XX/XXXX to advise I still had not received my refund. At that time I was advised payment had not been sent out. The person handling the call this time did at least express concern an a willingness to help get the issue resolved and get my payment and payoff letter sent. My concern is after waiting almost 2 months would like this issue resolved expeditiously.
Product: Vehicle loan or lease

Under the laws of UCC 9.506 as well as State RISA and MVISA statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to.

I demand proof that the repossession of the subject vehicle was legal in accordance with the following UCC : 9-506. EFFECT OF ERRORS OR OMISSIONS.

9-611. NOTIFICATION BEFORE DISPOSITION OF COLLATERAL 9-612. TIMELINESS OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL.

9-613. CONTENTS AND FORM OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL You are required to provide me with copies of the legal notices and proof of the commercially reasonable manner of the notification and resale of the subject vehicle. If no such proof is provided within 15 days from receipt of this certified mail notice, the alleged claim of a deficiency will be considered null and void, and any continued collection activities, or continued reporting of this invalid claim on my credit reports will be considered a violation of the FDCPA abo6m thisdis what sheluser severally fail to comply with the above requests, I reserve the right to seek damages against all parties, under all available State and Federal statutes and including but not limited to UCC 9-625 remedies. Furthermore, you are hereby notified that at no point in time and under no circumstances is your company ; an employee of your company ; a representative for your company or affiliates are to contact me or any family members by any means other than the US mail system.
Product: Debt collection

ALLIANT ALSO CALLED ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX IN VIOLATION OF F.C.P.A AND FDCPA, AND FCRA.
Product: Credit card or prepaid card

I booked a trip for myself and my brother/traveling companion with Chase Sapphire Reserve card that included a refundable hotel booking, 2 nonrefundable plane tickets, and 2 nonrefundable hockey tickets for a trip starting XX/XX/19. On XX/XX/XXXX, my traveling companion needed to undergo an emergency XXXX that prevented him from XXXX  per his XXXX. 

Chase sapphire claims to offer travel cancellation insurance for trips booked using chase sapphire card for reasons including : " Accidental bodily injury, loss of life, or sickness experienced by the Cardholder, a traveling companion or an immediate family member of the Cardholder or a traveling companion '' As soon as I learned of the XXXX, I contacted Chase in order to utilize this benefit. After speaking with a representative, I cancelled my refundable hotel booking and was told chase would handle filing a claim for the nonrefundable items. 

I received an email with a claim ID from Chase on XX/XX/XXXX requesting the relevant medical paperwork which I provided. I did not receive a response. 

I have received no follow up for chase despite having contacted chase at least 4 times now. 

Most recently, on XX/XX/XXXX. after explaining my situation to a chase employee, she was very upset at how my situation has been handled and transferred me again to the benefits team. I explained my situation to this team, and was told they had no record of my claim number but would start a new claim. I instructed that I would like to file a new claim and provided information over the phone. I was then told that I would be sent a claim form by email within 48 hours. I was never sent this any form or received any contact from chase. 

Chase employees that have been contacted on at least 4 separate occasions have shown to be willfully misleading during this process and has outright refused to honor the terms of their benefits card to this point regarding this issue. 

I have records of all interactions with chase to this point including recordings of all conversations with Chase Employees
Product: Checking or savings account

I attempted to open a checking account based on advertisement. The online application was completed in full and all procedures adhered to. The bank displayed a message stating that " additional verification was necessary ''. While this is understandable, the bank did the following : 1 - Dialed the fax number I provided in the application process repeatedly but did not transmit anything.

2 - Sent text messages to one mobile number I have, unrelated to the account, without any authorization - this number was not provided to the bank in the application. 

The bank has engaged in questionable activity - dialing my fax repeatedly without sending anything and sending out multiple text messages to an unauthorized number without purpose or ability to reply to. Then, I received a letter by mail stating that they are " unable to verify applicants identity '' and thus to open an account. I sent a fax to the Operations Center detailing the activities and demanding an explanation, but received no reply.
Product: Credit reporting, credit repair services, or other personal consumer reports

On a monthly basis dating back to last year I have attempted to have several accounts that are inaccurately reporting payments and account ownership removed. It is my understanding that under FCRA it is illegal for accounts to be misreporting payments. XXXX XXXX  and Equifax have all misreported and allowed them to continuously make statements without doing their due diligence for accuracy.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to do a verification for all items on my credit report, and they did. They stated that everything was accurate. 

I did thorough research myself & found no items removed & still found many inaccuracies on my credit report even after they did careful research. 

These are the ONLY personal information that should be reported on my credit report : Please update my address to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Please update my name to : XXXX XXXX. 

I requested that all inaccuracies names and numbers listed below be removed immediately as they are inaccurate and put me in a situation that is unfair financially, and a disadvantage to the rest of the world
Product: Debt collection

I have attempted to fix this situation with XXXX which they sold this fraudulent account to NCB Management Services, I have sent letter to provide information of : 1. The original Retail Installment Sales Contract or Lease Agreement, associated with the sale and financing / leasing of this vehicle. Please be sure to include any arbitration provisions. 
2. The full payment history on this account. That includes monthly balance, required minimum payment, and the actual amount paid. Please be sure to include the date of each payment. 
3. The Notice of Sale / Notice of Default, informing me of the date, location and method through which the vehicle would be sold, and how I could redeem the vehicle. Please provide proof of mailing for this letter. 
4. Explanation of Calculation of Surplus or Deficiency, including an itemized description of costs and fees. Please provide proof of mailing for this letter. 
5. Any notices regarding our clients right to redeem personal property contained in the vehicle. Please provide proof of mailing for this letter. 
6. Details regarding whether this was a public or private sale. If this was a private sale, please advise as to whether this was a wholesale transaction ( dealers/ vendors only ) or open to non-professional buyers. 

Nothing has been sent back to me. Letters were sent on XX/XX/2022, XX/XX/2022, and i even submitted complaints of fraudulent activity via the CFPB about 1 month ago and XXXX 's response was that they sent a letter of their investigation. No investigation happened though.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since the beginning is 2021 I have been working on increasing my credit score. 
I've signed up with experian, established chime account, car loan, XXXX and more. No foreclosures, no car repos, no evictions, perfect rental history, and all are paid perfectly. 
Why do I have a XXXX credit score? 
Experian keeps emailing me about credit updates yet my score is XXXX. There's no viable telephone number to speak with them. Now, astonishingly, I was just denied a rental application. Can you help or show I file multiple lawsuits?
Product: Mortgage

I paid off my loan XXXX days ago and was promised that I would have all of my paperwork in XXXX days, which was up XXXX XXXX, 2015. The only thing they sent is a Certificate of Title shat shows a Lien Release on my Manufactured Home. This is a Land Home Package. I have nothing to file at the County that shows my land is paid for. 
When I called Green Tree Servicing LLC on XXXX XXXX, 2015 the person made more promises to send my papers, and was extremely hard to understand but he finally told me I would be getting my papers soon. On XXXX XXXX, I got a letter telling me it is paid off. That is not sufficient. I was promised that I would get a Letter of Satisfaction, and my Original Note. 
Anything else is just not good enough. They have already admitted in an answer to a QWR that the mortgage was sold to investors ( which was not recorded in XXXX XXXX NM ) and last I heard was in a XXXX XXXX XXXX, with XXXX Bank as the trustee, and Green Tree Servicing LLC as the servicer. Anything else other than the original Note and Mortgage Satisfaction letter is not good enough. They sent me a photocopy of the note, so their is no legal reason for them to withhold my Note from me. So far they are giving me the runaround, and wo n't send the papers. If I want to sell my property, I can not do it without the proper paperwork. 
If they do not send my Note back, how will I know it is not still in that trust, making them money.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, 2020, MIDLAND FUNDING LLC add a derogatory mark on my credit report per XX/XX/XXXX. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtor*s creditors 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 signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA MIDLAND FUNDING LLC has violated my rights as a consumer and I requesting legal action to remove this account immediately.
Product: Student loan

It 's tried to apply countless times for a income driven payment plan but never am given that option after being told I am eligible, instead it only allows me to do a forbearance or a deferment. And I am recieving endless calls a day from the loan company or forgiveness programs asking for personal information over the phone.. saying my loans are in a income driven plan but it 's not reflecting that on the website
Product: Checking or savings account

I am filing a complaint with Capital One regarding the deceptive practices related to their 360 high yield interest savings account. Capital one misrepresented the 360 savings account as having one of the nations highest interest rate, yet failed to announce to account holders about the superior rates offered by 360 Performance Savings account. This deliberate obscurity and lack of transparency violated customers trust and resulted in significant financial losses for many breaching, the Customer Financial Protection Act and the Truth of Savings Acts. I seek to redress for the misleading practices and failure to fulfill their advertised promises.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX You are in Direct Violation of The Fair Credit Reporting Act ( XXXX XXXX & XXXX XXXX ), has violated several of my rights.

15 U.S.C 1681 section 602 A. Cloarty states that I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 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. 
Remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.
Product: Bank account or service

On XXXX XXXX, 2015 Capital One XXXX branch representative opened a business spark checking acct for me. I showed him a promotional offer {$250.00} at acct opening in branch. The offer says open a acct with XXXX and make a XXXX bill pay within 30 days, then {$250.00} cash bonus will be credit back within 6-8 weeks after promotion ends. I made deposit of {$5800.00} at acct opening, and made XXXX bill pay {$830.00} on XXXX XXXX, 2015. However I never received {$250.00} bonus, also the bill pay was stopped which caused me extra fee {$70.00} from the payee. I never asked the bank to put stop payment. On XXXX XXXX 2015 when bank rep called me several times I asked them to release the payment. I am asking 1. {$250.00} promotional bonus back plus {$70.00} fee caused by the bank. Or 2. bank can issue a letter to payee to waive this {$70.00} extra fees. But {$250.00} promotional bonus must be credit back.