23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

The banking system is dependent upon fair and accurate consumer reporting, pursuant to 15USC1681 ( a ) ( 1 ). I noticed accounts that are on my consumer report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Pursuant to 15USC1681b, I am requesting to see in writing where I gave written instruction or permission to report this erroneous information on my Consumer Report. A consumer reporting agency may furnish a consumer report under the following circumstances and no other with the written instruction to whom it relates. You have defamed my character, my reputation, my worthiness, my standing, my capacity, and my mode of living. All of these violations are a direct violation of 15USC1681. No consent is identity theft and these violations are Aggravated Identity theft, pursuant to 18USC1028b ( 1 ) ( A ) ( ii ).

You have knowingly transferred, possessed and used, without lawful authority, a means of identification of me, which is a felony punishable up to 2 years of imprisonment, in addition to civil liability.
Product: Credit card or prepaid card

On XX/XX/22 I tried to access the rewards points on my GM Rewards card online. The website would not send me the verification code I needed to do this. I tried to resolve this issue in an online chat and over the phone. Both reps promised to escalate the issue and have someone contact me. No one has contacted me. I tried again to access the points, but the website simply will not provide the verification code needed.
Product: Checking or savings account

Wells Fargo overdraft fees from all my past accounts. 

XX/XX/XXXX {$35.00} XX/XX/XXXX {$35.00} XX/XX/XXXX {$35.00} XX/XX/XXXX {$35.00} XX/XX/XXXX {$35.00} XX/XX/XXXX {$35.00} XX/XX/XXXX {$35.00} XX/XX/XXXX {$35.00} this is from XXXXXXXX XXXX XXXX alone. Please refund all of my over draft fees from any and all accounts I have had with Wells Fargo
Product: Debt collection

On XXXX XXXX XXXX threatened to garnish my wages when I offered a {$5.00} payment outside of the rehab program I had been deceived by XXXX XXXX XXXX into accepting ( though I never signed their papers ) In XXXX XXXX, I agreed in principle XXXX, who convinced me by saying they would backdate it to start a year ago ( since I had already been making the $ XXXX/month payments, saying that I could 've even done it at $ XXXX/month with my income and expenses. However, each time they sent the paperwork it never showed the backdate, so I never signed it or returned it. Another problem with the XXXX is they were no longer willing to set up my payments with my pay schedule from work, but insisted on the same day each month. He initially placed it too early in month, but did later say fixed it till end of month, but they would n't accept future payments when I attempted to make them. 
Going back to XXXX XXXX, XXXX, when I got on phone with XXXX XXXX, it was my XXXX call in to the number XXXX provided back in XXXX. Now, XXXX told me that it was n't the correct department, hence my issues getting through earlier. On top of that, like I wrote earlier, he threatened garnishment on me. This is the XXXX time they threatened garnishment outsuide of their company policies and DOE regulations. I am trying to make payments, but this company continues to harass me and cause me undue mental anguish in trying to resolve these accounts. 
( A little background here, these loans were less than half their current balance when I was in hardship deferral after college and was arrested in XXXX, sent to prison in XXXX. I feel that they are unjustly higher based on circumstances outside my control as no one advised me I had to renew the deferral annually and I did n't get mail until XXXX in prison when they were already in default. )
Product: Credit reporting, credit repair services, or other personal consumer reports

I declare under penalty of perjury ( under the laws of the United States, If executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18U.S.C1001.Additionally, these misstatements are punishable as perjury under 18 U.S.C 1621. This collection found within my credit report is not related to any transaction that I made. I am alleging that a person or company -without my authorization -used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All are being investigated by the FTC Also Known As : XXXX, XXXX, XXXX Also Known As : XXXX XXXX Also Known As : XXXX XXXX XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, HI XXXX XX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX HI XXXX XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX
Product: Checking or savings account

I have a security/safety box with Chase Bank that I used to secure valuables that are not needed in a constant basis. I recently went to Chase Bank on XX/XX/2022 to discovered that I had no security box. Lead Associate XXXX XXXX advised me that Chase Bank had an audit by an independent contractor and the boxes that had mismatched numbers with their computer system were drilled and taken. 
1 ) no notice was given to us BEFORE this took place 2 ) no notice was given to us AFTER this took place. 
We found out when we are about to go on a trip and while attempting to collect some of our valuables, we discovered this! 
I made an escalation complaint with Chase in which they manager only wanted to have information about the branch and said had no control over collecting my security box back or expediting the process. I spoke today with the branch associate who notified me they received a response to the fax sent to this " audit '' company on XX/XX/2022 and advised that it will take 7 - 10 days for the branch to receive my valuables as they were sent via USPS. HOW IN THE EARTH IS THIS COMPANY SENDING MY VALUABLES VIA USPS!! if we contract for a security box is because we need our valuables secured and we need to be able to reach them at any given time!!!! I am asking that you provide assistance to recovered my valuables and I am asking that an investigation is done on this process. I dont even know if I am going to get all my valuables as I did not think about creating a listing or taking pictures as I blindly trusted a bank institution of the size of Chase. Now I have to trust that the listing of valuables they will provide is correct????? I am asking for your prompt help.
Product: Mortgage

Capital One has, again, not responded to requests about a matter regarding FEMA payouts. I submitted a complain already about {$22000.00} and {$7500.00} that were not paid to me. Capital One finally rectified the situation after I submitted a complaint here. I followed up with Capital One to give them an opportunity before I filed another complaint. They did not respond. Another FEMA check was issued on XX/XX/2012 for {$30000.00}. This amount was deposited with Capital One and they did not release the money to me when I paid off my mortgage. It is unfortunate/convenient for them that they did not discover the missing {$30000.00} when they investigated my prior complaint.
Product: Credit card or prepaid card

I utilized a convenience check to transfer {$5600.00} on XX/XX/19. The Bank has been sending me convenience check offers repeatedly as part of the monthly statement as well as separate direct mail pieces. In the offer, it states that you would get a 0 % interest for a one year period but will pay a 3 % balance transfer fee. I understood that and accepted the cost. However, since the transfer took place, the Bank has been assessing interest charges despite this 0 % offer and the fact that I've continued to pay off all purchases made during each statement month to avoid interest charges. The interest being charged on purchases was 11.74 % in the most recent statement. The Bank did not properly disclose that they would charge interest on current purchases if you use their convenience checks. This is deceptive advertising.
Product: Credit card

In XX/XX/2017, I applied for and was approved for a Chase XXXX Rapid Rewards Visa card. Chase offered me a promotional bonus of XXXX XXXX Rapid Reward points upon making {$2000.00} in purchases within XXXX months of receiving the card. I met the spending requirements in early XX/XX/2017, and was told by Chase that the XXXX points would post by the next billing statement date of XX/XX/2017. However, I did NOT receive the points as promised. Upon contacting Chase, they informed me that they had mistakenly attached my husbands XXXX Rapids Rewards number to my account and that was the reason why I did not receive my promised bonus points. I gave them MY RR number, asked them to correct their mistake and to credit me the XXXX bonus points as promised. They told me that they would submit my request to their marketing department for review but that they could not tell me when I would or even if I would receive the XXXX points. They said that the review could take several weeks or even months!! I applied for this Chase with the intention of using the XXXX bonus points towards planned flights this summer. The longer Chase makes me wait, the less likely I am to find available flights! I completed the spending requirements -- now Chase needs to abide by their offer and credit me the XXXX RR points that I have earned ASAP. Chase is notorious for making mistakes and then taking forever to correct them. They need to make this right -- NOW!!
Product: Mortgage

This complaint is a continuation of the complaints I've submitted this year to Mr Cooper, Seterus, XXXX and Fannie Mae regarding the problem caused by Seterus mortgage servicing from XX/XX/XXXX to current. Seterus is no longer operating, but the problem they caused is carried over by Mr Cooper.

I have made a number of verbal requests with no results so here is the latest update and documented proof, 1 ) The XXXX XXXX, attorneys representing XXXX, Fannie Mae and Seterus are bullying me, the homeowner. In their written communications, they make numerous false statements and threats including, " ... been in default since XXXX ... '' and " you have been non-responsive ''. The communication is so false, it is harassment. They claim in their letter they have tried to reach me. This is not true. See my uploaded extract report of phone calls to me from area code XXXX for the year XXXX ( exhibit A ) ; there are none. See sample extract for calls from XXXX area code showing calls to my main contact phone number XXXX ( exhibit B ) ( I will also try to upload a report on the number of times I phoned the XXXX Firm office, at least 8 times this year ). THIS ALSO IS A VIOLATION OF CALIFORNIA CODE OF CIVIL PROCEDURE 430.41 a requirement to meet and confer prior to motions such as demurrer. And they claim that demurrers were sustained in their entirety ; also not true. I have a leave to amend by XX/XX/XXXX, see my pleadings emailed to Mr Cooper two weeks ago on how I will amend my good complaint.

2 ) Mr Cooper needs to conduct an internal accounting and correct mortgage statements that incorrectly reflected 3 months due. They stopped mailing statements in XXXX and I need a corrected mortgage statement so I know how much to pay. I have no doubt, as someone with education and professional work experience in finance and accounting, these Seterus problems are causing Mr Coopers late payment reports, ( ie. ) the 60 day late in XXXX, to the credit bureaus this year. 
3 ) Lastly, the other documents I am submitting with this complaint should prove to Mr Cooper and Fannie Mae, Seterus caused a problem I would describe as " A CONTRACT TORT ". See my fax written demand, apply surplus to the mortgage. See Seterus response dated XX/XX/XXXX which included an undated explanation how a surplus can be applied when current. Please see credit bureau reports for XX/XX/XXXX, and my mortgage statement for XX/XX/XXXX. I was current when Seterus received my instructions to apply the surplus to the mortgage. See also my tax statement from XXXX county. 
4 ) regarding the 30 day late reported XX/XX/XXXX - XX/XX/XXXX, I have bank statements showing the check in Seterus ' possession, that was never re-presented or returned to me, was good. 
IN CONCLUSION : this is a CONTRACT TORT. Seterus was in receipt of my money, in excess of what they had accurately billed me. had no good cause to retain and refused to apply or refund per my written instructions of XX/XX/XXXX.
Product: Checking or savings account

The division of customers bank has had this problem with my account for at least XXXX years they've been stealing my money now I recently opened my purchasing two bonds worth the dollars each I requested two bonds be sent to customers bank / mobile vibe account also I linked my brokerage account to customers bank and now they closed my account I'm able to view my account online without viewing my money in my account this bank has done this every month they make it like transactions are in pending status when the items already been charged its a skeem. The items they say are pending is the items value the trying to steal catch them right in the act with this message please.
Product: Credit reporting or other personal consumer reports

15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' XXXX, the financial institution and the Consumer reporting agencies XXXX and Experian do not have my consent to furnish this information and they surely do not have my written consent. 

Per the FCRA, as a federally protected consumer, I am now opting out of any and all authorization that I, the consumer, may have given you that was written, unwritten, verbal, or nonverbal per 15 USC 6802. Any and all consent to XXXX, Experian, XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked. According to 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Credit reporting or other personal consumer reports

XXXX XXXX has charged off my collection account. I had disputes with them due to the verbal agreement that was had with them. A charge off is a tax write off for them why did they turn around and report it to XXXX XXXX and Trans Union. This is a violation of my rights. They did not get permission to do this. XXXX XXXX has committed fraud against me and I would like it fixed immediately.
Product: Student loan

I submitted a PSLF application many months ago, but had not received any update or resolution. After calling a few days ago, I was told that my application had been idling, due to a transfer of servicer. They agreed to begin work on my application. Despite filing early and comprehensively, my application was severely delayed ; because I am due a refund, this not only led to aggravation and wasted time on my part, but a delay in receiving funds due to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX AND EXPERIAN VIOLATED MY CONSUMER RIGHTS
Product: Debt collection

XXXX placed my previous electric account with Collection Bureau of America. The original placement amount was {$1200.00}. I 've made several payments further reducing the debt to {$710.00}. After review of the previous XXXX account statements. My final bill was not calculated correctly. As of today, I 've not been able to get anyone in the XXXX final bill unit to return my calls. The collection company is still pursuing the collection and now stating that even though I 'm under a payment agreement that this will still be reporting onto my credit. This is not fair business practices as I 've been on the phone with them every single time they have called.
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. Account Name : XXXX. Original creditor. XXXX XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX 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 reporting 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 customer 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 was the victim of identity theft by a former roommate, XXXX XXXX XXXX. The account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX were accounts that were opened fraudulently without my permission or knowledge. XXXX used my identity and had the initial card mailed to my home, which he retrieved without my knowledge, used the account, and made payment for a time without my consent or knowledge. I have completed ( attached ) an ID Theft Affidavit with the FTC. I have also included copies of my government-issued ID and a recent utility bill for address and identity authentication.
Product: Student loan

I requested for an income-driven repayment plan, filled out all the information, sent the information through fax ( which showed it went through ), now loan company is denying it went through ; delaying my request by such.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I froze my credit with all XXXX  reporting agencies. On XX/XX/XXXX all XXXX  agencies had lifted that freeze fraudulently. I did not request that. XXXX sent me an email telling me it had been lifted. BUT XXXX XXXX did not. I did not know they had lifted it until I checked it. They allowed someone to removed the freeze over the phone. They allowed my account to be hacked, they allowed someone to steal my identity. They assisted bad actors in theft.
Product: Mortgage

On or about XX/XX/2022, I reached out to my mortgage servicer, Fay Servicing because I have several issues with my account that need to be resolved. The first time I called on or about XX/XX/2022, I was given the name of my XXXX XXXX XXXX and I was told he would return my call. 

Subsequently, every time I called Fay Servicing, I was told that he was " unavailable. '' I have many serious issues I have been trying to resolve, and although some customer service representatives have been helpful, I can not get all of the information that I need, and I am being told that my XXXX XXXX XXXX is the only one with the details that I need. 

( I redacted my XXXX XXXX XXXX XXXX name on the attachment because he is an employee, and I do not fault him ; I fault the company. )
Product: Credit reporting or other personal consumer reports

My Equifax credit report and score is not updating. I requested an XXXX XXXX XXXX and they can't process it for unknown reasons.
Product: Credit reporting, credit repair services, or other personal consumer reports

In the previous 3 to 12 months, I have disputed XXXX XXXX  through ALL 3 major credit reporting bureaus. Upon each investigation, the status of the above account remains " unchanged. '' XXXX XXXX put this account into collections and subsequently CLOSED this account. However, according to ALL 3 CREDIT REPORTING AGENCIES, this account is listed as an OPEN account. The XXXX account went delinquent when I became very ill, lost my job and became XXXX  from XX/XX/XXXX until XX/XX/XXXX. During these years, I was living in my car and/or family/friends or providing in-home care for the elderly. I had no viable means of income and this account went into default. 

As a result of XXXX XXXX  erroneously stating that this account is open, has caused me to pay extraordinarily high interest rates, and be denied for housing or paying an " extra deposit, '' to rent apartments. 

XXXX XXXX  has already benefited from this capital gains/loss via the INTERNAL REVENUE SERVICE by stating this account was closed and charged-off. Yet, they continue to report this account is " open. '' By their own admission, the above account is CLOSED. Please help me correct this inaccuracy. I have tried several times through the TransUnion, XXXX and XXXX to no avail. Thank you. 

XXXX XXXX XXXX XXXX  XXXX XXXX, WA XXXX, mobile XXXX or XXXX ( landline )
Product: Credit reporting or other personal consumer reports

A fraudulent account reported on my credit i submitted XXXX XXXX XXXX XXXX XXXX ive also sent them a fully notarized Fraud Packet they requested i ask for the contract and it was sent but the name on it doesnt match mines the contract is VOIDED BECAUSE THE NAME DOESNT MATCH ME
Product: Credit card

I am writing to dispute inaccurate information on my credit report. Upon reviewing my credit report, I have identified errors in my name and Capital one account r. These inaccuracies are negatively impacting my creditworthiness and financial standing. 
Under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681i, /15 U.S Code1601 I am entitled to have inaccurate information corrected promptly by the credit reporting agency . The inaccurate information includes : XXXX XXXX XXXX : [ XXXX XXXX ] Incorrect Capital One Express Account Number : XXXX Credit card fraud charges that I did not do I request that XXXX investigate and correct these inaccuracies as soon as possible. Please provide me with a written confirmation of the corrections made to my credit report. 
Enclosed are copies of documents that support my claim, including my identification and proof of the correct XXXX XXXX account number. Please let me know if you need any further information to process my request. 

Please remove the XXXX XXXX XXXX  account and send me a Credit report with in 30 days Thank you Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX : Passport Debt letter
Product: Credit reporting or other personal consumer reports

This is absolutely frustrating, due to your inaccurate reporting and negligence on your part, my new credit applications keep getting denied and has been stressing me out for so long it's taking a toll on my mental health. The information on the attached file has already been deleted by both XXXX and XXXX but you still keep reporting it on my credit which is a blatant violation of my rights as a consumer and is really insulting, I am a law abiding citizen and have fulfilled my financial obligations.