23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

Chase Card are reporting inaccurate information on my credit report, Payment responsibility as Authorized user, Status of the Account Late over 120 days, Account Delinquent 180 days past due, Past due Balance {$830.00}, no DISPUTE Status after Disputed, etc. The account has been Charged Off on 2010. 
They do n't want to DELETE the trade line.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 8th Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX APT XXXX XXXX, TX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX, XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX XXXX XXXX {$610.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance : {$2000.00}, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$2000.00}, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX # XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

i need the CFPB to get involved in this serious matter! .XXXX  and bank of america is reporting inaccurate information on my credit report which is a violation of my rights as a consumer. i am a victim of identity theft, someone has used my identity to obtain services and goods using my personal information. please block and remove this fraudulant account from my current credit report asap!.
Product: Debt collection

I keep receiving multiple calls a day from the same company, they continue to call and call and call and most times they just hang the phone up. The last person I spoke to said that he did n't care they could call as many times a day as they want to. It has gotten to the point in which it seems they are doing this purposively in an attempt to harass me into paying them to stop calling.
Product: Credit reporting, credit repair services, 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 FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from 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 XXXX, XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$920.00} ; XXXX XXXX Balance : {$12000.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$300.00} ; XXXX XX/XX/XXXX.
Product: Mortgage

National Default Servicing Corporation ( NDSC ) failed to call a fault to foreclosure processes after coming into possession of information and knowledge of various violations of a group of laws commonly referred to as the California Homeowner Bill of Rights. 

On XX/XX/2016, NDSC caused to be recorded a Notice of Default ( NOD ) as the Substituted Trustee. On or about XX/XX/2016 I informed XXXX XXXX XXXXXXXX, XXXX XXXX as the loan owner and servicer, and NDSC as the Substituted Trustee and also XXXX and XXXX, XXXX XXXX as the owner of NDSC of their errors and requested the NOD be immediately rescinded. 

The NOD was never rescinded as requested violating provisions of the California Homeowners Bill of Rights. 

All previously requested resolutions are desired to include three times the median home value in XXXX XXXX County.
Product: Mortgage

Five year ago, during my financial struggles, I was found to be deemed eligible for HAMP program through Bank of America. My home loan was modified and I received all of the benefits and protections available to me during that 5 year time period. Customer Service was first class during the 5 year eligibility and no one could touch my account outside of my assigned account manager. Well let 's fast-forward 5 years, my eligibility period has ended, no assigned account manager and ALL protections have ended ... Bank of America attacks like pitbulls. XX/XX/XXXX, I call several times disputing with BOA over PMI that I wanted removed immediately from my account. I received push back. I advised them of my rights as a consumer and threatened to report them, so the removed the PMI reluctantly. In XX/XX/XXXX, I am informed by BOA that my escrow will increase by {$150.00} because of an " anticipated '' shortfall. I called and email pleading my case. Customer service was horrific and rude! I requested a manager perform a new analysis of my account, because I would NOT be able to handle the increase. I never received the new analysis or a return call. So, I go with the program, I find myself in a state of XXXX thinking, I can't go against this banking bully or giant. XX/XX/XXXX rolls around, I find there to be a {$500.00} dollar overage in my escrow so I email and call requesting my funds be reimbursed. Feeling bullied and threatened, BOA denied my request. I was irate. For 5 years, I was treated like Royalty under the HAMP program, now you are treating me like trash. My mortgage was being paid timely. There was no late payments. I was doing EVERYTHING right, but I the consumer was being treated like a second class citizen. XX/XX/XXXX, I go to make my mortgage payment online. My mortgage has increased by {$55.00}. I was NOT notified! Reviewing my statement online, the have once again INCREASED my escrow amount. Their methods and reasons are unethical, illegal and unfounded. They had just performed an analysis 6 months prior. There was an overage going into XX/XX/XXXX. There should NOT be any PMI on my account. What is the justification for the increase? I was NEVER informed! I paid the requested amount, ONLY to prevent late payments. I am requesting that BOA unethical practices be fully investigated and exposed! I am requesting my overage be reimbursed. I am requesting that the escrow increase be removed from my account dating back to XX/XX/XXXX.
Product: Credit card or prepaid card

Employee false and libelous attacks as well as physical attacks on me in the branch. 
company closing XXXX XXXX XXXX accounts without notice on XX/XX/2023. 
company closing all credit cards and all checking accounts tied directly or indirectly to me with the intent to do malicious financial harm and physical harm by eliminating an excellent credit history and excellent business rating.
Product: Debt collection

DEAR LVNV FUNDING LLC ; RESURGENT CAPITAL ; CFPB ; I demand that this be deleted from my credit report effective today as I do not recognized this account, no knowledge and no prior contractual obligations with this company. You violated my rights rights under 15 USC codes sections 1692 d, e f g of FCRA/FDCPA. Remove from my credit report. You violated 1692d of the FDCPA by engaging in conduct that the natural consequences of which was to harass, oppress, and abuse client in connection with the collection of an alleged debt and the collection letter you sent me which contains veiled and empty threats of legal action ; You violated 1692e of the FDCPA by its use of any false, deceptive, or misleading representation or means in connection with the collection of any debt when you engaged in, at least, the following discrete violations of 1692e ; You violated 1692e ( 2 ) ( A ) of the FDCPA with its false representation of the character, amount, or legal status of any debt and the collection letter you sent me which contains veiled threats of legal action against me, the client ; You violated 1692e ( 5 ) of the FDCPA by its threat to take any action that can not legally be taken or that is not intended to be taken when you sent me the collection letter contains veiled threats of legal action against me, the client ; You violated 1692g ( b ) of the FDCPA by engaging in collection activities that overshadowed or was inconsistent with the disclosure of the consumers right to dispute the debt with the language it used in the Collection Letter ; and You violated 1692f of the FDCPA by its use of unfair or unconscionable means to collect or attempt to collect any debt when you engaged in all of the misconduct alleged herein.

This company is reporting inaccurate and misleading information on my credit report. Lvnv Funding LLC has a collection reporting on my credit report As a open but they haven't Provided payment history. They also have listed the last payment date for last year but are currently reporting a late payment at 120 days that makes no sense. This account is Fraud its a Volation of the fcra and the FDCPA. I have a strong case. I'll be more then happy to take this to court and sue this company for the maximum dollar amount the court will allow which is { {$10000.00} }
Product: Checking or savings account

XXXX   XXXX  i lost my chase credit card at my sister house but later figured that my card was missing i did n't think anything of it because i got my card back. I noticed when i checked my online account and call the company they said my account was closed. I got my card back  XXXX   XXXX  after fake checks was placed into my account i called my chase company when i got my card back they said they closed my account because of the fake checked but i ca n't reopen a account with them because of that i want to reopen an account with chase after my pin to the card has been changed and i want to get a new card but they wo n't reopen the account unless the fake checks has been cleared
Product: Debt collection

I am called at least once a day, frequently multiple times a day, by Portfolio Recovery Associates, always from a different number. I do not know what debt they are trying to collect as they will not make any verification.
Product: Credit reporting, credit repair services, or other personal consumer reports

Back in XX/XX/XXXX I was a victim of identity theft in a data breach with XXXX XXXX XXXX. In XX/XX/XXXX I submitted a dispute to all 3 major Credit Bureaus regarding my suspicion of identity theft. I have yet to have my disputes resolve or any feed back regarding this matter & its well over 60 days.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I settled both of my accounts financed with Sallie Mae. I received a letter on XX/XX/year> showing settled and paid in full by XXXX XXXX XXXX. I have called XXXX XXXX and Sallie Mae several times as it is still showing on my credit report monthly as late and the balance increasing as well as " Charge off ''. I spoke with Sallie Mae over a month ago and they said they had the letter that it was overlooked and it would be corrected in the max of 30 days. It has been over 30 days and now I'm getting collection calls from XXXX XXXX as they received my accounts last XXXX. I have filed disputes with XXXX XXXX and my credit company I work with. Nothing resolved! 

We went through Hurricane Sally and lost all of our belongings. Insurance filed bankruptcy and it went to the state fund. After 4 years, we just settled to be done! Even though we had to pay 40 % to attorney and public adjuster after not being made whole. 

This is harassment and is affecting my mortgage licensing in some states. Please get this resolved as it is affecting our new insurance costs and on and on!
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

CONSUMER PXXXX XXXX XXXXnquired on XX/XX/XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXXXXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX loan. This inquiry is scheduled to continue on record until XX/XX/XXXX. 
XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX
Product: Credit card or prepaid card

I am writing this letter to address a major concern/issue I had with Chase. I was recently approved for the Chase XXXX XXXX and the Chase XXXX cards. Everything was just fine as I had received both cards and was starting to spend on the XXXX ( over {$5000.00} in the first month ), and was about to buy something with my XXXX card when I ran into an issue. The card was declined. At the moment I was confused, but I went ahead and logged into Chase only to find out that my card had been closed. At this point I was extremely confused as I only had the card for a week, how could it be closed? I immediately called Chase to inquire about the issue and find out why my card had been closed without my knowledge. I was then told but the first customer service rep that my card was closed after a 2nd review ( something I wasnt even aware happened ) and there was nothing I could do. Confused, I called back and the next agent said they would look into it further. When they came back to the phone they informed me that I was approved for the card but upon further review I was extended too much credit and they therefore had to close 1 of the 2 cards. I then asked why I was never informed of this and they said they called me once. First of all, Ive never heard of such a thing, I find it absolutely ridiculous that a company would approve someone for something and then completely renege on it and cancel the account. The logical approach would have been to call me, if I dont answer leave a voicemail ( which never happened ), and give me the option to move credit around to keep the card open. Instead, I get one call which I have no record of, and the account is closed end of story. On top of that, the reps are telling me I have no recourse and the decision is final. I have been a Chase customer for close to 7 years now and my credit score is over 800 and I have never missed a payment. When I asked what could be done about this Chase said I can re-apply for the card. Not only is this ridiculous, I already had to use a credit pull for this application, they want me to apply again and get my credit pulled another time. On top of that, what is stopping Chase from approving me for the card again and then just changing their mind like they just did. On top of that, while my account was approved and open, I referred my friend to get the card and he was approved, so I am entitled to the referral bonus of XXXX XXXX points which I havent gotten.
Product: Checking or savings account

On XX/XX/XXXX I detected that funds were being transferred out of my accounts without my authorization. Within XXXX hours of me learning this, I called Wells Fargo, reported the incident and reiterately indicated that the transfers were fraudulent and they have to be stopped immediately. Non the less, WF executed the transfers the next day, XX/XX/XXXX. Since then, I have been communicating with several bank 's departments but in all cases WF rejected my claims. I, and also the XXXX XXXX XXXX office, requested the transcript of the conversation we had with the WF agent on XXXX and it was never provided. 
The attached files detail and document all the steps I've taken to have WF respond positively to my claims, but to no avail. Since the last entry to the file above there were more interactions with the bank : XX/XX/XXXX Learned about WF Mediation Option. Applied for it and sent all documents t to the bank. 
XX/XX/XXXX WF Enterprise Concern Management Office rejected again my claim. 
XX/XX/XXXX Enterprise Concern Management Office, after my calling, offered to reopen the case. 
XX/XX/XXXX Letter from WF rejecting to participate in mediation. 
XX/XX/XXXX Enterprise Concern Management Office again rejected the claim. 

After I checked with a couple of attorneys specializing in banking matters from whom I learned that because of the relatively small of the funds involved they would not be able to take my case. I learned about your office and I'm sending this claim as last resource.
Product: Checking or savings account

XXXX  XXXX  XXXX-Chase-XXXX XXXX-when people were asked to start checking their accounts balance for Stimulus Check-banks-credit unions started charging a fee for checking bank balance-this the financial institutions did not do- before people were asked to check their bank balance for stimulus checks
Product: Money transfer, virtual currency, or money service

I am a XXXX citizen on the down side to XXXX years old. 

On XX/XX/2023, I opened an email indicating that some sort of transaction was in progress or had been attempted in the amount of {$3400.00} ; the entity is " Coinbase ''. I did not respond in any way, as I feared that was only a ruse to provide them with more information. I have never, nor do I, engage is this sort of activity at all, whether on my laptop ( where I received it ) nor on my mobile device. I am not sure I even selected the correct area of concern when filling out this complaint because I do not know what sort of fraud is being attempted. 

I have copied the content of the email here, and will attempt to attach it. I may need some technical assistance, however, if my efforts do not give you sufficient information to act. I will also attach a file containing the page source from the email message. 

~ ~ ~ ~ ~ ~ ~ Sender Data : XXXX XXXX  XXXX XXXX To : XXXX Content of email : coinbase A withdrawal has been delayed You initiated a withdrawal of {$3400.00} from your Cash ( USD ) account. 
{$3400.00} will arrive in your citi bank ending with XXXX by 3 working days. 

If you don't any action, the request will complete on XX/XX/2023 at XXXXXXXX XXXX PDT. 


Amount : {$3400.00} USD Date and time : Sat, XX/XX/2023 XXXXXXXX XXXX Browser : Android XXXX ( XXXX XXXX XXXX ; XXXX ; XXXX ) XXXX ( XXXX, like XXXX ) XXXX XXXX Withdrawal reference : XXXX Approve Now I didn't Authorize This Activity If you didn't initiate this request or not your bank account? Review transaction Sincerely, The Coinbase Team
Product: Debt collection

Midland funding XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX CA XXXX Has been sending me collection notices in the amount of XXXX dollars the collection has been reported as paste due to a balance. I do not know this company i hace never done any business with this company. The company dies not have a contract with my signature.
Product: Credit reporting or other personal consumer reports

Transunion credit agency are reporting negative account XXXX with a balance of {$10000.00} on my credit profile which is fraudulently ruining my way of living. Transunion also stated that they would not furnish child support to credit profiles because there is no line of credit or a credit transaction nor a loan. if you guys can not provide me with a contract with my signature to be liable with any child support debt please delete the account immediately off the credit report.
Product: Payday loan, title loan, or personal loan

Covid-19 has caused struggles, and job lost also my family members returning home to my house because work is not available. It is hard to maintain all the people in the household now. I somehow have to deal with XXXX family members, much less keep up. I need help. The inflation of everything is unbearable and with everything that is going on I can not afford to pay the loan back .I am asking the company to forgive me and clear the debt please. 

I send a complaint in already and this company continues to overdraft my account and I do not have the funds available. I understand what they are saying but have a heart life happens .This was not my intent to owe them money or have an overdraft account .Please forgive me and clear the debt without penalty .I am struggling
Product: Credit reporting, credit repair services, or other personal consumer reports

A mortgage company named XXXX reported a 30 day late payment on XX/XX/2019. I do not know who XXXX is and I have never had a mortgage with them. In this same time frame my mortgage was with Fairway Independent Mortgage Corp. The house I had with Fairway was sold and I closed on XX/XX/XXXX, XXXX about XX/XX/2019 they sent me a late notice on my mortgage that I closed on XX/XX/2019. I contacted their credit department and told them that I closed on that house on XX/XX/2019. They said that they had not received the check yet. The closing company said that it was sent the next day after closing. After several phone calls it turned out that Fairway lost the check. XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX, WI XXXX, ph:XXXX put a stop on the old check and wrote a new one. XXXX XXXX. told me that I wouldn't get a negative remark on my credit report because this was not my fault. I just discovered that it was reported to the big three and XXXX XXXX. This entry caused me to be denied a VA mortgage by XXXX XXXX. I don't know if XXXX has anything to do with Fairway or if the dates are just a coincidence.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a loyal Kohl 's customer for over 8 years. I had a credit card which I paid in full each time I received a bill. I never carried a balance to the next month. I received a call on XX/XX/17 that my account was 60 days past due {$170.00} plus fees of {$64.00}. I never received a bill from them. I was devastated and paid by phone immediately. They assured me that they would get it taken off of my credit report if it was reported. A week or so later I got a letter stating that they investigated and there was nothing they could do. I never got a bill! I 'm not sure if it was a glitch in their system but I never received the bill. If I had, as history shows, I would have paid it immediately. I have since closed my account with them because I will not deal with a company that treats their customers this way!
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion, XXXX  and XXXX  are allowing XXXX XXXX to report a Bankruptcy in which the Federal Bankruptcy Court is not reporting. I do not have an account with XXXX XXXX  or a contract. The federal bankruptcy court is not verifying my personal info to XXXX XXXX and it is illegal for a third part to report of verify such information in which they were not a party to. 

The same three credit bureaus is further violating my constitutional rights by allowing XXXX XXXX to report a civil judgment from the XXXX County Tennessee Court that is marked satisfied. I do not have an account with XXXX XXXX and they are reporting a collection of {$4900.00} when the court has marked the judgment satisfied. This is a violation of the Fair Credit Reporting Act. 

The same three credit bureaus is again violating my constitutional rights by allowing the Tennessee Dept. of Human Services to report a civil judgment from the State of Texas. They have been incorrectly reporting and will not allow me a hearing for the negative reporting. State law forbids adverse credit reporting without the opportunity of a hearing. They have removed {$13000.00} from my credit, but should not allowed to report anything that was not entered by the State of Texas. Moreorver, the state law only allows them to report on accounts that are over {$1000.00} past due. I am not past due on an agreed upon judgment in Texas.