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

On XX/XX/XXXX, I received notifications from XXXX that someone was trying to access our Chase bank account, and they had failed security questions. We received four different notices, as the individual kept failing the questions. Chase bank allowed this individual to open a new business account in my name despite not knowing the account phone number, verbal pass code, etc. Once Chase opened the account, they linked my personal accounts to that new account. This individual committing fraud then removed {$93000.00} collectively from 3 of my bank accounts to their new linked business account, and then to an external non-Chase account. We spend hours at the bank on XX/XX/XXXX filling out the Chase paperwork. Chase said they would send us additional paperwork required to start investigation. 
XX/XX/XXXX filed police report and completed identity theft affidavit. 
XX/XX/XXXX - received official police report number. I then called Chase, because I never rec 'd required paperwork for them to start investigation. They said it could take up to 10 days to receive the paperwork. I said that was unacceptable with email and overnight options available. They then said the local branch could print it for me. ( Then why not give it to me on Wednesday, XX/XX/XXXX? ) I then drove to local bank, filled out that paperwork. The police report, notarized identify theft affidavit, and Chase paperwork were faxed to the Chase fraud department. 
XX/XX/XXXX : I receive a call from local Chase banker that we filled out the wrong paperwork, and we would have to do it over. He said it could he done via a conference call with Chase fraud department. We did that. Also on XX/XX/XXXX, we received a USPS letter from Chase stating that per our discussion, this claim was settled and no further action was needed. I then called Chase, and they said not to worry. They were closing the claim that was incorrectly filed, and they had a new claim number for me. 
XX/XX/XXXX I called Chase and was on hold for 100 minutes. I wanted a status on the claim and the return of our funds. I was told that it would take 3-5 business days, and our funds would be returned to us. 
XX/XX/XXXX I called Chase and was on hold for 75 minutes. Once the associated answered, I was on hold for another 30 minutes while they researched the issue. I was told our funds would be returned on XX/XX/XXXX or XX/XX/XXXX. We also received a letter from Chase dated XX/XX/XXXX that their investigation had concluded that I did not open the fraudulent account in question. 
XX/XX/XXXX I called Chase and was on hold for a total of 105 minutes. I was told that they will escalate the claim to get us some temporary funds and that would take several days. I repeatedly asked to speak with a supervisor, and they would not connect me with a supervisor. Toward the end of the call, they said they would connect me with a supervisor, and after 40 minutes of being on hold, I had to go a meeting. The agent came back on and said they were busy with a high call volume.
Product: Credit reporting

I have a collection from an apartment complex on my credit report that is not mine. I disputed it with both the credit bureaus and the collection company and its still on my credit reports. I would like this account remove from my credit reports asap
Product: Mortgage

Dear Consumer Financial Protection Bureau : Re : Nationstar Mortgage # XXXXThe reason for me having to file this complaint is due to my mortgage company failing to respond to my loan modification request fax XXXX XXXX, 2015. It 's been 10 days and no follow-up request were made by Nationstar Mortgage. As of today, I have not been assigned to a dedicated loan specialist that they was working on my mortgage loan to try and qualified me for a home affordable modification. 

Furthermore, I am requesting your assistance in getting my concern 's address. 

Thank you, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Applied for car loan with one finance institution and application was sent to several institutions.
Product: Mortgage

After reviewing OCWEN account payment history, I have identified misappropriated funds totaling {$29000.00} that impacted/inflated the loan modification principle to {$200000.00}. The misappropriated funds occurred between XX/XX/XXXX thru XX/XX/XXXX. Included find OCWEN account payment history highlighting the misappropriated funds and a summary document for your review. 

In addition, documents filed by OCWEN with XXXX XXXX Register of Deeds. 
XXXX Document # XXXX XXXX Document # XXXX XXXX Document # XXXX XXXX Ocwen Loan Servicing LLC Home Affordable Modification Agreement executed. 
XXXX Document # XXXX XXXX XXXX XXXX Title Group Seller Closing Disclosure/Closing Statement XXXX OCWEN LOAN SERVICING LLC.is the present holder of a mortgage. 
XXXX XXXX the Vice President of PHH Mortgage Corporation Successor by Merger to Ocwen Loan Servicing LLC notarized. 

XXXX Document # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a few addresses that is not correctly showing on my credit file that needs to beupdated. My only address is XXXX XXXX XXXX XXXX XXXX XXXX, XXXX FL XXXX. PLEASEDELETE THE FOLLOWING ADDRESSES:XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX, XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX FL,XXXX XXXX XXXX XXXX XXXXXXXX FL, XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX FL, XXXX XXXX XXXX XXXX XXXX FL, XXXX XXXX XXXX XXXX XXXX XXXX FL,XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL, XXXX XXXX XXXX XXXX FL, XXXX, XXXX XXXX XXXX XXXX # XXXX XXXX XXXX FL, XXXX XXXX XXXX XXXX XXXX FL, XXXX XXXX XXXXXXXX XXXX XXXXXXXX FL,XXXX XXXX XXXX XXXX XXXX FL, XXXX XXXX I have not lived at any of these addresses listed on my credit report I even noticed that a few actually belong to my adult children. However, I would like them removed because they are not accurate.
Product: Credit card or prepaid card

I had the Citi Diamond Preferred Card for a while now. Citi invited me to convert the Citi Diamond Preferred card into the Citi Rewards+ in  XX/XX/XXXX. I accepted the invitation and it took some time for the process to be completed. Meanwhile, I received an offer ( that's the false advertising offer I am complaining about ) that I can use my Citi Diamond Preferred Card to get cash back of 5 % ( up to {$25.00} ) until end of XX/XX/XXXX. So I activated this offer on XX/XX/XXXX ( Please refer to screenshot ). In the meantime, I received my new Citi Rewards+ card in the mail but didn't activate it as of this moment. 

When I called Citi to inquire whether the cash back offer is still available or not, they told me it's no longer valid since I've already converted my Citi Diamond card into the Citi Rewards+. So Why are they sending me an offer for the citi diamond card on XX/XX/XXXX to activate the cash back process while at the same time they are converting my card into a citi rewards+? There was clearly an overlap in that. I received the conversion offer to citi rewards+ in XXXX and while the conversion process was taking place, I received the offer on my citi diamond preferred card to earn 5 % cash back online. This is a clean false advertising and a scam that is pulled by Citi and they are no stranger to scam whether it's in the past or the present. 

When I tried to talk to supervisor, he/she didn't bother to talk to me and transferred a message through the customer service representative. It was obviously the same thing the representative informed me about ( That the offer has expired with the conversion of your card from citi diamond preferred to citi rewards+ ). How come it expired and you are giving me until end of XX/XX/XXXX to use it!!!??
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX alerted me to a pay day loan initiated with my information on XX/XX/XXXX twice and XX/XX/XXXX. I spoke w/ XXXX XXXX who advised me to file a claim w/ XXXX  and to freeze my XXXX XXXX. Upon receipt of the XXXX XXXX Report, it showed fraudulent information : Rosebud Lending, XXXX XXXX  ZocXXXXLoans. XXXX, XXXX XXXX. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
I called XXXX on XXXX when I received the DataX report and spoke w/ " XXXX '' She stated there was no information with my name, email or phone numbers. I would not provide my social security number without providing a report to your agency and FTC first. I am not XXXX XXXX and never applied for this loan.
Product: Credit card or prepaid card

XX/XX/2021 at XXXX I called capitol ones customer service and they told me they would help me out since I've been going through some hardship and they promised me they could pause payments for 1-2 months and it wouldn't affect my credit. But they continued to charge a negative to my credit score impacting it majorly! This upsets me cause I was promised help but in the end I was screwed over.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted a dispute on this account by Santander multiple times starting on XX/XX/2019, XX/XX/2019 and XX/XX/2019. They have not supplied adequate paperwork show who this account belongs and how much it was sold for or anything that pertained to the account. They never supplied there method of validating the debt they just said it belongs to me.
Product: Debt collection

XX/XX/2018 was paid amount of {$300.00} to RPM (  receivables performance managment ) XXXX XXXX XXXX WA ( XXXX   ) and balance was due for {$230.00} They said that i can pay that XXXX dollars after 30 days which is end of XX/XX/XXXX and i never had another bill or phone call from them during that month and after less then a month i seen a collection account in my credit report! After i contacted with them they sent me another settlement amount with added {$100.00} more to past due amount and i paid that whole amount and i was still seeing a collection account in my credit reports even they said they were going to take it out from collection! I also took a picture of that offer and sent them to experian and disputed i still see that collection in my credit report!
Product: Credit card or prepaid card

I have recently realized XXXX different transactions fees charged to my credit card by chase without any explanation. I called customer service and I am told I used cash advance which I have never used. Then I was told that because I used XXXX they consider that as cash advance and charge a 5 % or {$10.00} whichever is more. They said they sent out the change in terms in 2021 by email which I have not received and neither by mail. I have asked them to consider to accommodate a long time client but they refuse to. I ask that if they can prove that this was ever sent out, they are not responding to that. Basically my daughter used XXXX different times to pay dues each charge {$1.00} and Chase is charging {$10.00} for each transaction as minimum charge so for a total of {$4.00} I am paying {$40.00} in fees. I believe outrageous by Chase and refusing to help. I have never received any such notification and I have used in XXXX and XXXX same transactions without being subject to a fee. Also since cash advance payments as Chase considers these to be is imposed a very high finance charge without any grace period which in order for me to get rid of the finance charges I will have to stop using the card and pay 100 % in full. I believe for Chace to take this action without properly informing the clients in a manner that is simple and precise is disgraceful and unacceptable. Credit card companies should have the responsibility to inform their customers on a timely with a clear language and for someone who has visual problems to be able to read of such important changes
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 how to remove the fraudulent items in my report and found that I need to visit the FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in blocking the erroneous information that is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1000.00} XXXX XXXX XXXXV ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$270.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX  XXXX Balance:XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX, IL XXXX
Product: Credit card or prepaid card

To Whom this may concern, I am writing to file a compliant against PNC Bank. In XX/XX/XXXX we applied to a Debt Management Program and since then have been trying to get our PNC Bank credit card on this program. We have reached out and discussed this with PNC Bank several times, but have been given the run around. They have admitted to our Debt Management Program that they have received our proposals and information several times, but that they are not responding or processing our requests. This is affecting our accounts in a negative manner. We have since gone past due on the accounts and it is negatively affecting our credit score. We have been making payments through our Debt Management Program, but this is not satisfactory for PNC Bank. However they will not give us a direct answer as to why they are not working with our Debt Management Program. Currently they have written us a letter of Default for this account with a payment including fees and charges that would otherwise not be on the account if they had responded to us back in XX/XX/XXXX. The total due now for that account is {$640.00}. They are requiring {$310.00} to be paid by XXXX XXXX. This account is currently closed due to our request. We are asking that the proposal be applied onto our accounts immediately and backdated. Also that our past due balances be removed and that any negatives be removed from our credit report. We greatly appreciate your help in this process.
Product: Credit reporting

XXXX my addresses is incorrect I do not or never did live in XXXX XXXX New Jersey and the second XXXX is my employment is XXXX I am a XXXX and I work for XXXX
Product: Credit card

I had multiple unknown fraud charges applied to my credit card in XXXX of 2016. These charges were out of character of our spending habits Our Capital One Mastercard did not notify us of any unusual activity. Which they have in the past for much less. I caught it by checking my credit card statement before it was sent out. I notified the XXXX XXXX. The day I caught it. I canceled the card, immediately ordered a new one. They continued to charge my card with pending fraud charged even though they had been alerted. They removed many of the charges but then reapplied some them in XXXX even though Myself or my husband did not authorize any of the charges. We have been a customer with this crdit card for 22 years. We pay our bills on time and spend thousands of dollars through them yet they have failed to protect us in this one incident.
Product: Credit reporting or other personal consumer reports

Consumer name : ( XXXX XXXX ) Consumer Social Security Number ( XXXX ), Consumer Date of Birth ( XX/XX/XXXX ). Contents of the complaint : This CFPB complaint has been filed to request that EXPERIAN, the credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of receiving this complaint under FCRA 605B ( 15 U.S.C. 1681c-2 ). This fraudulent, incorrect, and false information consists of a HARD INQUIRIES. HARD INQUIRIES : 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 These multiple bogus INQUIRIES on my consumer XXXX credit report. I have attached a list of the accounts in question, as well as a copy of your consumer XXXX credit report, which includes the aforementioned bogus entries. I do not identify the aforementioned INQUIRIES, that were reported. I did not open, make, or start the aforementioned INQUIRIES on my consumer credit report, which you keep. All of the INQUIRIES listed above are the result of identity theft and fraud. I've attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) from the US Federal Trade Commission to prove that all of the aforementioned INQUIRIES are the consequence of identity theft and fraud
Product: Debt collection

I have received a letter from Holloway Credit Solutions stating that if I do not respond, my credit may be impacted negatively. I am not involved account number they are collecting. 

I do not appreciate them contacting me and then threatening me on top of it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have no knowledge of the following inquiry XXXX XXXX XXXX XXXXXX/XX/2018. Please investigate to ensure there is no fraudulent activity.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this CFPB complaint myself, and to inform you that I was a victim of an Identity Theft. This is my several request to the three Credit Bureaus and it seems it does'nt makes me satisfied of what they conclude to my credit report. The particular items position that are recently filing on this credit document has a seriously unfavorable impact on my capacity to attain the highest credit score, I want the three credit bureaus to be sure to present facts that these are being reported efficiently as per the Fair Credit Reporting Act regulations. I have done many attempts to reach out to Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove those items which are frauds from my personal credit file : The fact is, I am disputing again the fraudulent items on my credit file. For some reason, I realized that the three credit bureaus failed to fixed it and I do not believe that these items belongs to me. Kindly assist me to remove these following fraud items : XXXX XXXX XXXX , XXXX, TX, XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX, XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$1600.00} ; XXXX XXXX XXXX XXXX Balance : {$830.00} ; XXXX XXXX XXXX XXXX Balance : {$59.00} ; XXXX XXXX XXXX ; XXXX XXXX XXXX , XXXX, TX, XXXX ; XXXX XXXX XXXX, XXXX, TX, XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX, XXXX ; XXXX XXXX XXXX XXXX, XXXX XXXX, TX, XXXX ; XXXX XXXX XXXX, XXXX XXXX, TX, XXXX ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX  XXXX Balance : {$0.00} ; Original Creditor XXXX XXXX XXXX XXXX Balance {$2000.00} ; XXXX  XXXX XXXX XXXX Balance {$660.00} ; Original Creditor XXXX XXXX XXXX XXXX Balance {$130.00} ; XXXX, TX, undefined ; XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX, TX, XXXX ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance {$130.00} ; XXXX XXXX Balance : {$1600.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXXXXXX XXXX, SC XXXX, XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX : {$7900.00}, XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$1800.00}, XXXX XXXX Balance : {$710.00}
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX Balance : {$1400.00} XXXX XXXX XXXXXXXX Balance : {$1400.00} XXXX XXXX XXXXXXXX Balance : {$1400.00}
Product: Credit card or prepaid card

The account in question in discussion is Capital one Bank Account # XXXX the issue at hand is a late in XX/XX/2020 and XX/XX/2020, in XXXX I was unwell with XXXX I tried calling to defer the payment and could not reach anybody at Capital one. When I was well enough to work I did make the payment immediately.
Product: Checking or savings account

XX/XX/ : Deposited {$20000.00} to Marcus XXXX Account from XXXX XXXX XXXXXXXX XXXX Account. 

XX/XX/ : Marcus XXXX Account locked, called the bank and they said they need to close my account and that I will receive a check with my deposit in the mail. 

XX/XX/ : Hadn't received my deposit in the mail so called Marcus again, they said they needed to take an extra step and that they will return my deposit to XXXX XXXX XXXXXXXX XXXX Account. 

XX/XX/ : Hadn't received my deposit in my checking account so called Marcus again, they said that my case was " under review '' and that they can not disclose how much longer it will be " under review ''. 

Essentially, they've been holding {$20000.00} locked without recourse or any transparency on when I will receive my funds back
Product: Debt collection

JEFFERSON CAPITAL SYSTEMS LLC Last reported XX/XX/XXXX {$2800.00} Open balance JEFFERSON CAPITAL SYSTEMS LLC Original creditor XXXX  Opened XX/XX/XXXX ( XXXX yrs, XXXX mos ) Account status Open Type -- Responsibility Individual Remarks Placed for collection Account information disputed by consumer Account information disputed by consumer Original creditor name JEFFERSON CAPITAL SYSTEMS LL Request this to be removed due lack of information and proof of ownership and by law i have the right to request this and to know who the original owner is seeing that they sold my account to a third party. There has been over 45 days and no respond or proof just call saying to pay this amount
Product: Credit reporting or other personal consumer reports

My account with EQUIFAX XXXX XXXX was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


EQUIFAX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports