23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

On the morning of XX/XX/XXXX, I received an official email from Chase bank stating that " to prevent potential fraud, we have restricted your account and may close it soon. '' I tried to open my chase app to see what happened, and it said that your account is locked due to unusual activity. I'm not allow to access to my account.

So I called the customer service, they told me that they truely want to tell what happened to me, but the only description on their system is my account is closed by bank decision with no reason. They suggested me to creat a new account in another bank. 
When I asked when can I get my deposite balance, nearly XXXX, they said the bank is still processing the closure. So they don't even know.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an account on my file that is not mine I filed a fraud alert months ago with the credit bureaus I filed a police report as well to have the account deleted from my credit report. Please see attached documents. Please delete/remove the following accounts : XXXX XXXX  # XXXX, XXXX XXXX  # XXXX, XXXX XXXX XXXX XXXX ( XXXX ) # XXXX PLEASE UPDATE MY CREDIT REPORT ASAP!
Product: Debt collection

I ended my XXXX  service in XX/XX/XXXX. In XX/XX/XXXX, XXXX  sent me to XXXX XXXX   XXXX  for collection of my account balance. I settled this account for 50% of the amount owed on XX/XX/XXXX, approximately $XXXX. XXXX   paid the money to XXXX, and discharged the account back to them on XX/XX/XXXXOn XX/XX/XXXX, I received a notice my credit score had dropped 20 points due to a collection by AFNI being placed on my credit.I was NEVER BILLED BY AFNI. I called AFNI on XX/XX/XXXX and pointed this out, they said it was for the same XXXX  account and bill.  I explained this account was settled in XX/XX/XXXX, the remaining balance was the 50% written off by the settlement. They didn’t care that they posted to my credit without billing me and told me to resolve it myself.  After hours on the phone with XXXX, and XXXX XXXX XXXX, XXXX  said they had no record of my settlement (even though they had the payment and claimed I made it on the automated system), or ever sending me to XXXX, and told me the only way to resolve this was to PAY THE REMAINDER of my bill. I got proof of settlement from XXXX, and called AFNI again, today, XX/XX/XXXX, and spoke to XXXX, who spoke to his Supervisor XXXX, who confirmed AFNI never billed me to give me a chance to resolve this, before hitting my credit and dropping my score 20 points! This call; AFNI acknowledged this violation, and said they would fix it immediately and remove it from my credit.However, XXXX  continues to state they only ever sent me to AFNI, and said I would need to mail in a dispute.    XXXX  continues to claim no record of sending me to XXXX  and basically called me a liar. XXXX  claims they sent them the settlement information on XX/XX/XXXX, and XX/XX/XXXX. I am XXXX  and don’t have a printer, nor am I able to get to the post office, I asked for an alternative way to get this info to XXXX and was refused any alternate communication to accommodate my XXXX.
Product: Credit card or prepaid card

I have had a Chase XXXX credit card for over 5 years, for the first time in 5 years I had to request the travel protection that they advertise in here : https : //www.chase.com/personal/credit-cards/hyatt/world-hyatt/travel-protection My trip to XXXX from XXXX XXXX was interrupted due to a car accident on my way to the airport ( XX/XX/XXXX ). I've contacted Chase and followed their steps in order to submit a claim for trip cancellation. My claim is for about {$270.00}, which is how much my flight cost from XXXX XXXX to XXXX ( purchased on XX/XX/2022 ). 

I have yet to hear from them since I filed the claim on XX/XX/XXXX, their website says that I should be hearing from them in 5 days or less.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my 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 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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. You must remove/block any items that was 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 XXXX XXXX XXXXXXXX XXXX, CA XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, CA XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX Balance : {$12000.00} XXXXXXXX XXXX XXXXXXXX Balance : {$6500.00} XXXXXXXX XXXX XXXXXXXX Balance : {$6000.00} XXXXXXXX XXXX XXXXXXXX Balance : {$16000.00} XXXX XXXX XXXX ( Original creditor : XXXX XXXX ) XXXX Balance : {$7100.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$26000.00}
Product: Mortgage

PenFed became the servicer on our mortgage in XXXX. Since that time, our loan was established with an Escrow account. They have never paid our Homeowner 's insurance yearly premiums or our Flood insurance yearly premiums. They have paid only 1 of the tax payments due on our property. I have been paying these premiums. They also require that my husband and myself set up individual accounts with their credit union. We are not interested in banking with this credit union so have not funded these accounts. 

I have spoken with their Escrow Dept. many times in order to tell them about the insurance and taxes not being paid. I have also conveyed to them that I paid these accounts and for them to update their system and reflect same on our mortgage loan. 

In XXXX, XXXX after repeated attempts to get them to comply, I filed a complaint with their Board of Directors. I have been communicating by email and mostly by phone, as they want all conversations recorded. A Senior Mortgage Servicing Loan Care Specialist has been my contact at PenFed since I filed this complaint. 

About 10 days ago, I was no longer able to access my mortgage loan information online. Penfed says on a pop-up after logging in that I do not have an account with them. This morning I was told that unless I fund the credit union accounts, I will not have access to my mortgage information online. I asked that I go back to receiving paper statements and that Penfed cancel my payments through their automated system and I will handle direct payment to them due on the first of each month. 

What Penfed is doing is damaging and illegal on many fronts.

I requested that Penfed no longer escrow funds monthly since they are not able to make the insurance and tax premium payments. The loan care specialist is working to have the Escrow account closed and funds remitted to us.

Please investigate PenFed Credit Union and PenFed mortgage servicing.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA Experian and XXXX are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. XXXX  XXXX Balance : {$12000.00} ; XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX  XXXX XXXX : {$430.00} ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX  XXXX  XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; If Experian and XXXX feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If Experian and XXXX do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly
Product: Mortgage

Freedom Mortgage has repeatedly made harassing phone calls claiming we are behind in our mortgage payments. We have made every mortgage payment in full and on time. They claim we never made our XX/XX/XXXX payment and now each time we make a payment it is credited to the previous month. On XX/XX/XXXX I sent them a bank statement proving we did make our XX/XX/XXXX payment. Despite this, as of XX/XX/XXXX we are still being harassed. 

I find it very unlikely that a mortgage company is this bad at managing payment records. I have also read the customer complaints against Freedom Mortgage on the website for the XXXX XXXX XXXX. As a result I'm becoming convinced that Freedom Mortgage is attempting to trick us into making an extra mortgage payment that we do not owe them.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX and I'm submitting this complaint myself and there is no third party involved. I sent a request for reinvestigation due to inaccurate information reporting on my credit report. I want to bring attention to the follow law which is 15 U.S Code 1681e Compliance procedures ( b ) accuracy of report. The law states the bureaus are required to follow reasonable procedures to assure maximum possible accuracy of the information reporting. They have failed to do that, and my rights have been violated. The laws also state there is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. I even demanded that they provide me with the methods used to verify such information and have not received any response as required under 15 U.S. Code 1681 ( b ) Reasonable Procedures. I have not received any correspondence of any investigation being initiated on my behalf which is again a violation of my consumer rights. The law states that any and all unverifiable information is immediately deleted and blocked from my consumer file.
Product: Credit card or prepaid card

On XX/XX/XXXX my car was broken into and thieves stole my wallet, keys and phone. The thieves purchased over {$15000.00} of goods on my credit cards at stores I never frequent. Chase approved all of those charges. 

I returned to my car that same day and noticed the theft and reported the card stolen immediately- I also called the police and filed a police report. 

Initially Chase resolved the claims and didn't charge me. About 20 days later they put {$11000.00} back on my account with no explanation. When I called them they informed me that since the " customer received goods or services '' and that " I approved the charges via text. '' I was liable for the purchases. 

I was a victim of fraud and had my phone stolen. I informed them on the call that I couldn't haven't approved the charges since I didn't have my phone at the time, which is documented in the police report. 

Please help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is incorrectly reporting me as an Authorized User on the XXXX XXXX partial account number XXXX. ( Please see page 2 of the attached credit report. ) I called XXXX XXXX and let them know that I did not give permission to be added as an Authorized User. I have contacted the bureau to remove this however, I have not been successful. This incorrect reporting of me as an authorized user is harming my credit score and this line item needs to be removed from my credit report.
Product: Debt collection

I got contacted by mail XX/XX/2021 by XXXX XXXX XXXX that they were hired to get a default judgement against me because i owe an alledged debt to a company called synchrony or XXXX I'm confused at this point. so I did a debt validation letter both in my hand writing and a typed letter to get clarification from XXXX XXXX XXXX. I sent it on XX/XX/2021 via USPS certified mail with tracking. On XX/XX/XXXX i got a letter in the with NO copy of any type of signed contractual agreement terms and conditions Nothing, instead there was a weird copy of a billing statement that has an address to pay paypal. Again NO Signed agreement.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OK XXXX XXXX XXXX XXXX Dear Sir/Madam, I am writing to formally dispute certain unauthorized and fraudulent inquiries on my credit report. According to the Fair Credit Reporting Act ( FCRA ), I am entitled to ensure that my credit report includes only accurate, verifiable information. The Dealership XXXX XXXX TOYOTA pulled my credit without my knowledge or concent The inquiries I am referring to are as follows : XXXX. XXXX XXXX XXXX XXXX, XXXX  I have reviewed my records and confirm that I did not authorize these inquiries. As per **Section 1681b of the FCRA**, an inquiry can only be made on my credit report when I provide consent, or in certain other circumstances. It is clear to me that these inquiries do not meet those requirements, and therefore, should not remain on my credit report. 

Under **Section 1681c-2 of the FCRA**, any inquiry that is made without proper authorization is considered unauthorized and should be removed immediately. I request that you investigate and remove these inquiries from my credit report as soon as possible. Please provide me with written confirmation of your actions.

If you are unable to remove the inquiries, I request that you provide me with detailed information on how these inquiries were made, as well as any supporting documentation. 

Please find enclosed a copy of my credit report highlighting the unauthorized inquiries, along with a copy of my identification for verification purposes. I look forward to your prompt response to this matter. 

Thank you for your attention to this issue. 

Sincerely, XXXX XXXX XXXX XXXX Enclosures : - XXXX
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding a collection account labeled " XXXX  XXXXT XXXX  that has been inaccurately reported on my credit report. The presence of this unverified collection is causing severe harm to my credit score and is taking a considerable toll on my overall well-being, leading to significant stress and anxiety. To the best of my knowledge, the creditor responsible for this collection account has failed to provide proper verification of its legitimacy and accuracy. This lack of verification has led to an erroneous credit report entry that is negatively affecting my financial standing. The unjustly reported collection account has resulted in a substantial and undeserved negative impact on my credit score. Additionally, the stress and XXXX that have arisen from this situation are affecting my overall quality of life. I firmly believe in the importance of accurate credit reporting and the duty of creditors to verify the legitimacy of their claims before reporting them.
Product: Debt collection

I have twice disputes XXXX over a collection account ( XXXX ) whose lender was Syncrony Bank and I never took out this card but someone who stole my identity. I have sent them irrefutable evidence and they continue to confirm the debt ( Dispute XXXX of XX/XX/2023 and file XXXX XX/XX/2023 ), while XXXX has removed this from my file ( XXXX of XXXX XXXX ). I have also disputed and attached everything required by SyncronyBank. 

This situation has caused me great damage since I am in the process of refinancing with XXXX XXXX for my house and this has not allowed them to release it. It was with them that I discovered that we had this situation. 

The address and details on that card are not true as I have never lived outside of New York State. I understand that XXXX has not done an objective investigation or analyzed all the documents supplied : utily bills, my commercial data, XXXX  and XXXX  of my own house, etc. I need an investigation and help.
Product: Credit card

I had a XXXX Bank of Hawaii XXXX, which I paid ontime, and for the past 3 months, I have paid the entire balance off mothly. On XXXX XXXX, XXXX, my credit card was closed for no reason or valid cause, and I was no longer allowed to make purchases with my credit card. I could no longer make purchases with credit card, so I called the bank on XXXX XXXX, XXXX, to discuss my account. When I was able to be connected to a customer service agent, I was told that my account was closed and my credit card was closed. I asked for what reason, and I was told that my payment was returned, and than it was resubmitted and now payment was received and paid. But a review was conducted and it shows I had previous account history with them, and now they want to close my account. In XXXX XXXX, I was approved and use my credit card properly and always paid ontime and several times paid remaining balance off monthly. I have handleded my credit card in good standing, and showed no reason to close my credit card account without proper notification or investigation. This is unfair credit practice, and I would like my credit card reinstated and in good standing. Currently, my credit report has been affected by this negative action by XXXX Bank of Hwaii XXXX, I would like this matter be resolved.
Product: Credit card or prepaid card

On XX/XX/XXXX I responded to a personalized offer received from USAA for the Limitless Cashback Rewards Visa Signature Card offering 2.5 % cash back. I was subsequently denied for the card. When I called in to inquire I was told I would receive a letter stating why I was denied. However, the only letter I received from USAA regarding this application was a notice saying I Was declined offering me the opportunity to open a secured credit card with them. There was no reason given for the denial, or other options or explanations. This came as a shock as it was a personalized offer sent and titled to me, which generally have higher acceptance rates due to their intentional targeting based of their knowledge of the targets current credit profile.
Product: Debt collection

XX/XX/XXXX To whom it may concern : I would like to file a complaint against Midland Credit Management.

This collection agency is slandering my credit by placing false information onto my credit files. 

I had complained in XXXX about the untrue information that this collection agency is reporting, and they had stated that they were going to remove it, but they have not. 

And to begin with, this collection agency had placed this derogatory debt information onto my credit files without first verifying it. 


I dont owe the balances that are being reported, neither have I had anything to do with either, XXXX XXXX , nor XXXX XXXX since XXXX of XXXX. 

Midland Credit Management is reporting false, untruthful status, and date information regarding these accounts onto my credit files. 

Midland Credit Management is placing false information onto my credit files for, XXXX XXXX  account number # XXXX, for {$320.00}. 

And XXXX XXXX XXXX, account number # XXXX, for {$1200.00}.
Product: Credit reporting or other personal consumer reports

I do not have any existing financial relationship or accounts with this company. I am considering financial options and exploring opportunities. 

Account Name RESURGENT/LVNV FUNDING Account Number XXXX
Product: Credit reporting or other personal consumer reports

These hard inquiries are fraudulent and doesnt belong to me and need to be removed. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Ok this original account was with XXXX XXXX they sold it to Security Credit Services, who sold it to XXXX XXXX who sold it to XXXX XXXX who then sold it to XXXX XXXX XXXX. I spoke with these companies for almost 2 months trying to get to the bottom of this so i can settle this account, i have been getting the run around. This is one account and Security Credit Services and XXXX XXXX XXXX have it on my credit they are trying to charge me twice for one account. When doing my investigation XXXX had me owing {$5000.00}, which was wrong so when i contacted them 2 weeks later they changed it to the right amount, i disputed the amount to transunion. With Security Credit Services they removed this account off my credit report and last month now its back on there. All these companies have been giving me the run around and i'm just trying to settle this account. I went as far as reporting XXXX XXXX XXXX to the XXXX, still waiting on a response. I spoke with XXXX today XX/XX/2023 and they gave me this website, I spoke with Representative XXXX. She also see where i disputed these 2 creditors on many occasions. This is one account and the bedroom set was {$1800.00} dollars so i do not know where the {$4500.00} come from. I'm trying to settle this account but I don't have correct information and all these creditors involved are giving me the run around. Can you please assist me in this matter.
Product: Debt collection

I HAVE JUST received A response back from resurgent receivables regarding the collection there reporting on my account I SPECIFACLLY ASKED THEM TO PROVIDE PROOF OF THE PURCHASE AGREEMENT BETWEEN THEM AND THE ORIGNAL CREDITOR THEY RESPONDED BY SENDING ME A STATEMENT WITH TRANSACTION HISTORY THAT IS CLEARLY NOT WHAT I ASKED TO BE PRESENTED Per 12 CFR 1006.34 ( c ) ( 4 ) ( i ), your failure to provide accurate and complete disclosure of all necessary information prior to furnishing details to consumer reporting agencies further substantiates the illegal practices you are engaged in. 

I am hereby requesting a validation of this alleged debt, as provided under the Fair Debt Collection Practices Act ( FDCPA ). This includes, but is not limited to : 1. A complete validation of the debt, including the amount owed, the name of the original creditor, and the detailed calculation of any alleged amounts. 
2. A copy of the purchase agreement between LVN Funding LLC and the original creditor that outlines your authority to collect this debt. 

Please consider this letter as my formal request for you to cease all collection activities until this debt has been properly validated. Furthermore, I demand that you immediately remove any and all inaccurate information that you have reported to the credit bureaus concerning this alleged debt. Continuing to furnish this disputed and unverified information would be a direct violation of federal law. 


LASTLY IF THIS IS CONSIDER A CHARGE OFF OF DEBT AS RESURGENT RECIVABLES HAS STATED WHERE IS MY IS MY 1099C PER THE IRS A CHARGE OFF IS considered INCOME HOW CAN INCOME BE reported TO THE CONSUMER REPORT