23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

To Whomsoever It May Concern, I am seeking assistance through CFPB to help resolve an issue with Chase bank regarding my credit card account with a limit of {$8000.00}. This credit card debt has been a financial burden to me and is taking a toll on my health as I 've been struggling to pay the monthly due and have not reduced the balance since granted. 
My first credit card was issued by Chase in XXXX with a limit of {$1000.00}. I was then a college student with a part-time job, making only $ XXXX/hour. One day in XX/XX/XXXX, I went to a Chase branch to pay off my balance. The teller told me that I may qualify for a new credit card with a higher limit and was referred to a personal banker. The personal banker updated my information directly through the computer entering my salary as {$90000.00} and approved me a new card with a limit of {$8000.00}. No new card application was filled out. 
Being young and ignorant, I accepted the {$8000.00} offer. I did not realize the kind of situation I was putting myself into at that time, as I had minimal experience with credit cards. 
I believe the personal banker inflated my salary so she can back up the credit increase of {$8000.00} to increase her production, though I was not technically eligible for such a high credit limit. 
I was informed by concerned persons in the banking industry that under Regulation Z - Truth-In-Lending Act, enhanced by The Credit Card Act of XX/XX/XXXX, that it is the responsibility of the credit card issuer to consider the consumer 's ability to pay when issuing a credit card or increasing credit limits. I believe the personal banker acted irresponsibly and put me in this predicament. I believe she violated Reg Z. 
I contacted Chase Credit Services during XXXX XXXX and requested to charge off the balance due to financial hardship. Their response was to settle only XXXX % of the total balance which is still not affordable considering all of my total current obligations and living expenses. 
I am seeking CFPB agency 's assistance for a resolution of my credit card balance with Chase Bank. 
Thank you in advance for your time and consideration to my request. 

Respectfully submitted, XXXX XXXX
Product: Vehicle loan or lease

XX/XX/2021 I purchased a XXXX XXXX XXXX from XXXX XXXX XXXX, XXXX XXXX IL. The dealer was given a {$7500.00} down payment and financing the balance was acquired by Westlake Financial Services, XXXX XXXX CA. I was disappointed with the percentage rate offered of 10.9 % despite my credit score of XXXX. Upon closing deal, the vehicle was driven to local gas station for fuel. The vehicle engine light appeared leaving station. The dealer, XXXX XXXX was notified about engine light. The vehicle needed 4 catalytic converters in which the dealer agreed to repair. West Lake Financial as lienholder held dealer payment until repair completion. XX/XX/2021 I picked the vehicle from dealer 's contractor, XXXX XXXX XXXX, XXXX XXXX IL. Westlake Financial Services was immediately notified of repair completion. Shortly after, I received calls to return vehicle from dealer. XX/XX/2021 the vehicle was returned the dealer and down payment refunded because Westlake Financial Services cancelled contract. I have not received written notification for the denial of financing when I have a XXXX credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, incorrect information are being reported to my personal credit file. I sent them letters requesting the verification and deletion of unauthorized inquiries I found on my Credit Report dated XX/XX/XXXX. The XXXX, Equifax, and XXXX Credit Reporting Agencies has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continued to report unverified information without providing any proof required by law. The 3 Credit Bureaus have failed to properly identify and provide within the necessary time allowed by law any verifiable proof. The following information is inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. I need the following inquires to be removed ; 1. XXXX XXXX XXXX XX/XX/XXXX1 2. XXXX XXXX XXXX XX/XX/XXXX 3. XXXX XXXX XXXX XX/XX/XXXX 4. XXXX XXXX XXXX XXXX XX/XX/XXXX 5. XXXX XXXX XXXX XXXX  XX/XX/XXXX 6. XXXX XX/XX/XXXX 7. XXXX XXXX XXXX XX/XX/XXXX 8. XXXX XXXX XXXX XXXX XX/XX/XXXX 9. XXXX XXXX XX/XX/XXXX 10. XXXX XXXX XX/XX/XXXX 11. XXXX XXXX XXXX XX/XX/XXXX 12. XXXX XX/XX/XXXX 13. XXXX XX/XX/XXXX 14. XXXX XXXX XXXX XX/XX/XXXX 15. XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX 16. XXXX XXXXXXXX XXXX XX/XX/XXXX 17. XXXX XXXX XXXX XXXX XX/XX/XXXX 18. XXXX XXXX XXXX XX/XX/XXXX 19. XXXX XXXX XXXX XX/XX/XXXX 20. XXXX XXXX XX/XX/XXXX 21. XXXX XXXX XX/XX/XXXX 22. XXXX XXXX XXXX XX/XX/XXXX 23. XXXX XX/XX/XXXX 24. XXXX XXXX XXXX XXXX  XX/XX/XXXX 25. XXXX XX/XX/XXXX 26. XXXX XXXX XXXX XX/XX/XXXX 27. XXXX XX/XX/XXXX 28. XXXX XX/XX/XXXX 29. XXXX XXXX XXXX XX/XX/XXXX 30. XXXX XX/XX/XXXX 31. XXXX XXXX XXXX XX/XX/XXXX 32. XXXX XX/XX/XXXX 33. XXXX XX/XX/XXXX 34. XXXX XX/XX/XXXX 35. XXXX XX/XX/XXXX 36. XXXX XXXX XXXX XX/XX/XXXX 37. XXXX XX/XX/XXXX 38. XXXX XX/XX/XXXX 39. XXXX XX/XX/XXXX 40. XXXX XXXX XX/XX/XXXX 41. XXXX XXXX XX/XX/XXXX 42. XXXX XXXX XX/XX/XXXX 43. XXXX XXXX XX/XX/XXXX 44. XXXX XX/XX/XXXX 45. XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX 47. XXXX XXXX XX/XX/XXXX 48. XXXX XXXX XX/XX/XXXX 49. XXXX XXXX XX/XX/XXXX 50. XXXX XX/XX/XXXX 51. XXXX XXXX XX/XX/XXXX 52. XXXX XX/XX/XXXX 53. XXXX XX/XX/XXXX 54. XXXX  XXXX XX/XX/XXXX 55. XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, 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. 

XXXX XXXX Account Number : XXXXXXXX XXXX Account Number : XXXX, XXXX Account Number : XXXXXXXX XXXX XXXX XXXX  Account Number : XXXX, has violated my rights. 

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

I check my credit report recently, Unfortunately I saw inaccurate account and unauthorized inquiries listed on my report. I have tried multiple times to get a few of the inquiries removed to no avail. I have attached my FTC Identity Theft report and dispute letter to this complaint. Here 's the inaccurate account and unauthorized inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Date opened : XXXX XXXX, XXXX Balance : {$0.00} Account Name : XXXX XXXX Account Number : XXXX Date opened : XXXX XXXX, XXXX Balance : {$470.00} Account Name : XXXXXXXX XXXX  Account Number : XXXX Date opened XXXX XXXX XXXX, XXXX Balance : {$0.00} Account Name : XXXX XXXX XXXX Account Number : XXXX Date opened : XXXX XXXX, XXXX Balance : {$20.00} Account Name : XXXX XXXXXXXX XXXX XXXX Account Number : XXXX Date opened : XXXX XXXX, XXXX Balance : {$80.00} Account Name : XXXX XXXX XXXX XXXX  Account Number : XXXX Date opened : XXXX XXXX XXXX XXXX Balance : {$470.00} Account Name : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Date opened : XXXX XXXX XXXX XXXX Balance : {$0.00} Account Name : XXXXXXXX XXXX Account Number : XXXX Date opened : XX/XX/XXXX Balance : {$2900.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested incorrect information to be verified and proof of the verification process 3 times. I have asked for information to be corrected 3 times by certified mail. The information is still incorrect and still comes back verified. This is my final attempt to correct such inaccuracies before I take legal action.
Product: Credit card or prepaid card

I notice unauthorised transactions I submitted a claim but prior to that I had any theft and I have a problem with somebody calling the bank and impersonating me estimate to replace report the first state to claim was approved and then they told me that the claim was denied the only gave me the money to have the money and then they took it back to charge me back and they said they were going to put it back and they never did and then they said that the claim was denied I also submitted a police report but they never give me Solutions every time someone else tells me something different this is Bank of America
Product: Credit reporting or other personal consumer reports

I am a victim of a breach and the accounts listed are not mine XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX Balance : {$580.00} XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$4600.00} XXXX XXXXXXXX XXXX XXXX Balance : {$4400.00} XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$10000.00} XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$1000.00} XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$4400.00} XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$2000.00} XXXX XXXXXXXX XXXX XXXX Balance : {$3100.00} XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$3600.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$1500.00} XXXXXXXX XXXX XXXXXXXX Balance : {$120.00} XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX Balance : {$2000.00} XXXX XXXXXXXX Balance : {$1500.00} XXXX  XXXX Balance : {$2000.00} XXXX XXXX Balance : {$4400.00} XXXX  XXXX Balance : {$3100.00} XXXX  XXXX Balance : {$10000.00} XXXX  XXXX Balance : {$3600.00} XXXX  XXXX Balance : {$4400.00} XXXX  XXXX Balance : {$4600.00} XXXX  XXXX Balance : {$580.00} XXXX  XXXX Balance : {$1000.00}
Product: Credit reporting or other personal consumer reports

RE : XXXX  Block Request To Whom It May Concern, I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 



XXXX. XXXX - XX/XX/year> Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX and XXXX XXXX  I had 6 Transactions totaling {$1800.00} stolen from my business account from someone who had spoofed my Crypto.com account. I attempted reaching out to the account holder and after a very short period of time was told the funds would not be returned to me. I tried explaining what had happened and how all of my accounts had been compromised. They explained they were not responsible for the fraudulent activity and again refused to return funds. I am demanding that a site with little security be held responsible for the money and return these funds to me.
Product: Checking or savings account

I wrote a check for my XX/XX/2023 rent for {$2600.00}. I wrote the check to my landlords trust fund name XXXX XXXX XXXX as i do every single month and somehow some unknown person cashed it. 
I had to pay my rent again that month plus a late charge of {$75.00} ; my claim with the bank was to get $ XXXX {$75.00} refunded. 
Check FraudXX/XX/2023XXXX I went to a bank 's branch to get the claim documents notarized, the bank employee personally faxed the paperwork to the fax # indicated on the claim documents ; this happened on XX/XX/2023 around XXXX PST. 
Today, XX/XX/2023, I received the second denial letter for my claim. The reason for denial states 'we never received your claim package '. 

I called the Bank of America claims department multiple times, escalated the matter, told the customer service representative to check that they have received all documents and yet again they denied the claim due to not receiving the documents. 

1. BofA needs to refund my money that was cashed in error that the bank didn't have a measure to prevent an unauthorized party from cashing it.

2. Why is it so hard to find the freaking documents faxed to them and review the claim properly?

3. I should not be chasing my own money. It's not my fault that the bank failed a critical step of identification and let a wrong party to cash my rent check that was meant for my landlord.
Product: Debt collection

XXXX XXXX XXXX XXXX Weltmem Weinberg & reis filed a lawsuit against me for a debt that was open by someone in XXXX/XXXX/XXXX when i was only XXXX years old. Also I have a Bankruptcy that the Plaintiff has admit. they were aware of that was filed in XXXX and discharge in XXXX they never notify by mail or phone call also\ they got a default judgment against me in stated garnishing my bank account.
Product: Credit reporting or other personal consumer reports

In XXXX  I purchased a home and entered into a Bank of America Mortgage with my then husband for a 30 year fixed loan. We divorced in XXXX  and I quitclaim the property title over to my ex spouse in return for cash, however he never removed my name from loan. 

Bank of America and my ex-spouse modified the mortgage without my consent in XXXX, extending the term, changing the interest rate and payment which negatively impacted my credit score. This in turn increased my costs to borrow money and being denied credit. 

First, Bank of America has fraudulently kept my name on a modified mortgage document I never signed. Secondly, the original 30 year fixed mortgage term has reached its Maturity Date, ending any contractual agreement between myself and the bank. 

After numerous phone calls to Bank of America, they have provided no relief.
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to inform them of the police report going on about the testing and I sent them copies of the police report. They still went ahead and charged me.
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 : XXXX XXXX Account XXXX Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX Account Number:XXXX 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

I recently looked at a copy of my credit report and noticed several inaccuracies on my account. this is hurting my ability to get credit. it is my understanding that you will investigate these items for me to make sure that everything is accurate. 

here is the item i am asking you to verify as accurate : XXXX account number XXXX
Product: Credit reporting or other personal consumer reports

I appreciate the effort taken to address the removal of certain fraudulent items from my file, stemming from an alleged identity theft. However, there are still remaining items that require removal from my credit reports. As a victim of identity theft, this serves as another request to eliminate these outstanding items from my credit file, attributed to alleged identity theft. Pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), you are mandated to remove any such items not later than 4 business days after XX/XX/XXXX. Despite the passage of several months, only a few items have been removed. I have previously raised this issue in my initial complaint, and I am reiterating it now, along with my new FTC Report # XXXX. Additionally, the information provided on these items is UNKNOWN to me, and it has been REMOVED from other bureaus, raising doubts about their accuracy. Below are the specific items identified for removal per bureau : -- -- -- -- -- -- EXPERIAN : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

BRIEF Outline REALTIME Equity Line - Real Time Resolutions, Inc. XXXX XXXX XXXX XXXX TX XXXX is the servicing inheritor of an Equity Line we originally opened with XXXX XXXX , which became part of XXXX XXXX XXXX during XXXX Financial Crisis. As we negotiated our way out of Foreclosure on the XXXX with XXXX XXXX XXXX we were lead to believe the equity line was included in the Modification. The modification was not moving forward in early XX/XX/XXXX when we were suddenly and oddly, even secretly '' given a Loan Modification Offer from XXXX XXXX XXXX, that we accepted near the end of that year, avoiding Foreclosure. Turns out XXXX XXXX XXXX modified the XXXX and apparently shopped out the Equity Line to Realtime Resolutions Inc. for bargain basement pricing. With XXXX XXXX ( Real Estate Attorney at the time ) as we could not get the State of California to intervene about clearing XXXX XXXX XXXX/Real Time Resolutions Equity Line, we were negotiating with Real Time Resolutions to possibly clear that Lien at XXXX XXXX. Those negotiations seem to be moving forward, AND then Real Time ended discussions with a no to {$30000.00}. They then carried that EQUITY Line quietly, a few letters per year. 
Then in XX/XX/XXXX they charged off your loan and sent us a letter ( attached ) stating that they had done so at {$91000.00}, AND To the extent interest or late fees were accruing on your account, please note that no additional interest or late fees will accrue in the future Now, a recent letter from Real Time Resolutions XX/XX/XXXX ( attached ) claims {$130000.00} is owed. 
Thats difference of {$46000.00} that we think is worth complaining about, and getting a genuine settlement offer from Real Time Resolutions would be a step in the right direction.
Product: Credit card

Syncrony Amazon store card says I owe XXXX, I only see charges for XXXX, I logged into their site to view my statement and their system is broken and can not download the statement, but I can download the privacy policy on the same page ( making this a bug in their system ). 

I called their support and they can not provide me access to my statement. 

I can not determine why the discrepancy without it. They refused to help. 

How can I be obligated to pay a bill that is fraudulent? They won't even provide the statement to determine what transactions are at issue. 

I need that statement by XXXX  today or I will not be able to get my payment in on time. 

Please help!
Product: Debt collection

Convergent Outsourcing has received a signed notorized Police Report and still continue to report Fraudulent information on my credit. This has to stop, this company ca n't continue to ruin peoples lives. I ca n't get financed for anything because of this, I pay ALL my bills on time. I work to hard to not be able to reap the rewards I value my credit.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX was paid off in full on XX/XX/year>. 
Proof of unpaid debt owed to XXXX XXXX was requested by Experian, XXXX and XXXX on my behalf and as a result due to not providing proof XXXX XXXX was removed from all 3 credit bureaus. I have already paid off the balance in XXXX. Please see emails that validate how XXXX verified my request to close the account and how the balance is paid off. XXXX XXXX refused to verify the debt was valid or paid in full with XXXX XXXX for over a year.
Product: Mortgage

On XX/XX/2019 I wrote five ( 5 ) checks to various Companies that we had payments to make, all with a XX/XX/2019 date, and included our mortgage payment to Provident Funding, and mailed the payments via USPS as usual, 2 or 3 days prior to the XX/XX/2019 date. We have not been late paying our mortgage payment which had a due date of XX/XX/2019, and after that date it is considered late. All the other Companies I mailed our payments into all received our checks well in advance of the due dates, except Provident Funding. I have attached our XXXX Checking Checks Paid Statement and copies of the duplicate checks I wrote on XX/XX/2019 and dated the 5 payments for XX/XX/2019. On or around XX/XX/2019 I received an email from Provident Funding showing our mortgage payment posted XX/XX/2019, one ( 1 ) day after the due date of XX/XX/2019, and I called Provident Funding Customer Service and told them that I had mailed this payment almost 3 weeks prior to the posting date, and they said nothing about a late fee. About three ( 3 ) days after that I received notice that we were being charged a late fee of {$35.00} for something we didn't cause or do and have never been late in the past. I called Provident Funding and tried to explain and requested the late charge be removed and they refused. They also implied a threat of sending this to the Credit reporting Bureaus.
Product: Credit reporting or other personal consumer reports

Re : Complaint Against TransUnion for Failure to Remove Fraudulent Information from Credit Report Dear Sir/Madam , I am writing to formally lodge a complaint against TransUnion for their failure to remove fraudulent information from my credit report, despite providing all necessary documentation as required under federal law. 

Personal Information : Full Name : XXXX XXXX XXXX Date of Birth : XX/XX/XXXXXXXX  Social Security Number : XXXX Address : XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX MD XXXX Summary of the Issue : Under 15 U.S.C. 1681c-2 ( FCRA Section 605B ), credit reporting agencies are mandated to block fraudulent information from a consumer 's credit report within four business days upon receipt of a valid police report and FTC Identity Theft Report. TransUnion 's refusal to act upon my request constitutes a willful violation of the FCRA. 

See attached : Copy of TransUnion 's fraud block request denial letter dated XX/XX/XXXXXXXX  Copies of the Police Report, FTC Identity Theft Reports, Government-Issued ID, and Proof of Address previously submitted to TransUnion I appreciate your prompt attention to this matter and look forward to your assistance in resolving this issue. 

Sincerely, XXXX XXXX XXXX