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

On the date of XX/XX/2023, I opened the Chase checking and saving accounts, and I made two online transactions from my personal XXXX checking to the accounts, with the amount of {$2000.00} and {$16000.00}, respectively. The transactions were rejected so I called for the help on the date of XX/XX/2023. The agent advised me to do the transactions again so that these transactions can be activated on her end when speaking to the Fraud team. I followed her advices and made the transactions again. After that, my call was cut from the agent when she was on holding my call while working with the Fraud team. And I got an email saying that my Chase online account was locked because of these suspicious multiple transitions. Then, I called the Chase fraud team for unlocking my account. However, the agent in the fraud team personally thought that I was suspicious even that I gave him the numbers of two of my credit cards and answered correctly on all the security questions. He initiated the process of closing all my Chase credit cards and accounts. He mentioned that I could never reactivate both of the credit car and checking/saving accounts with the Chase in the future. He was being XXXX when asking me if I was calling from XXXX, and said that I was suspicious because of the accent. I would like to seek for the help to protect my rights and my credit score.
Product: Student loan

Sent this affidavit to Sallie Mae Bank in regards to proof of obligation to this alleged debt. 

XXXX XXXX } Sallie Mae Bank XXXX XXXX XXXX } XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX } XXXX XXXX XXXX UT XXXX Affidavit Request Proof Of Indebtedness *NOTICE TO AGENT IS NOTICE TO PRINCIPLE NOTICE TO PRINCIPLE IS NOTICE TO AGENT* Date : XX/XX/2022 The undersigned Affiant XXXX XXXX XXXX herein after Affiant, does solemnly swear, declare and state as follows : Affiant is competent to state the matters set forth herein. 

Affiant has knowledge of the facts stated herein. 

All the facts herein are true, correct and complete, admissible as evidence and if called upon as a witness, Affiant will testify to their veracity. 

I am requesting your proof that I am the obligated party to repay this alleged debt. Please validate this alleged debt on account ( XXXX ) XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. Please provide the original instrument of this alleged debt in its original form. Please be aware that any general accounting ledger, statements, or promissory note printed is not proof of obligation. Please provided proof by affirming you did not sale the original note and or transfer it to any third party. I am requesting this information in accordance with the Truth In Lend Act. I look forward to hearing from you. 

Thanks XXXX XXXX
Product: Credit card

I have a Capital One credit card. I paid off my entire monthly balance prior to the due date, yet I was hit with an interest charge. The company said it was practice for interest to be charged unless the card balance was paid off for two consecutive months. It does n't seem appropriate to be charged interest on top of prior principal and interest after the card was paid off during the current cycle.
Product: Debt collection

Credence Resource Management LLC has sent me letters stating that they are illegally trying to collect on a debt that can not be verified per law. I have asked repeatedly that they either provide proper documentation or stop collection practices. They sent me a letter again with nothing more than a Bill page from XXXX. This does not meet FDCRA practices and it is violates section 609 of the FCRA as original documentation to support the account must be provided. No contract with signature showing this is mine has been provided. When calling the original creditor they have verified that the social security number on the account is not even mine. Credence Resource is attempting to try to hurt me financially without just cause. They refuse to stop contacting me as I have informed them in writing either supply what I have asked or remove the account and move on. As of today an official complaint has been filed with the State Attorney Generals office in Texas. I am now asking that the CFPB investigate their illegal collection practices. Remember the law is very straight forward on Collection Practices. I have repeatedly asked for the original contract that they must have on file and they refuse my request or simply ignore it. This debt is not mine, I am not going to pay it and yet they keep harassing me over this.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  violated my consumer rights. 

15 USC 1666b : timing of payments says, a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose so XXXX XXXX  has violated this law because this late payment is reporting on Experian, XXXX and XXXX. 

15 USC 1681a ( 4 ) says, There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy so DXXXX XXXX has violated this law because this late payment reporting on Experian, XXXX and XXXX is a violation of my right to privacy because I didnt give them permission to report it publicly. 

15 USC 1681a ( 2 ) ( a ) ( i ) says, The term consumer report does not include transactions or experiences between the consumer and the person making the report so XXXX XXXX  has violated this law because they furnished this EXPERIENCE to Experian, XXXX and XXXX and I didnt give them permission to do so.
Product: Credit reporting, credit repair services, or other personal consumer reports

A {$6000.00} XXXX XXXX account ( XXXX ) from XXXX 2011 keeps on getting reinserted by Experian after it has been confirmed to not be mine and deleted. This account was mistakenly being reported by both Experian and XXXX in the past. After XXXX initiated an investigation a couple of months ago, this account was promptly deleted from my report when it could not be verified as accurate or complete on my credit. This account is not mine and in XX/XX/XXXX, Experian also deleted it from my report. I have a copy of a report which shows how it was not reporting on my credit in XX/XX/XXXX. <P/>Under the FCRA SECTION 611 Part ( A ) ( 5 ) ( B ) ( ii ), Experian can not reinsert a previously deleted account if they do not provide me a notice in writing within 5 business days that it was verified. Why is this account on my credit again if it is not mine and it has already been proven not to be mine? I have addressed Experian multiple times regarding this issue and they are refusing to process my dispute. <P/>If Experian really is now saying it has been verified, I do n't understand how that is even possible. How can XXXX 's and Experian 's investigations yield two different results and outcomes?
Product: Checking or savings account

On XX/XX/XXXX a fraudster by the name XXXX XXXX XXXX opened 2 accounts on my Wells Fargo checking account. He changed email notifications as well as changing address and my phone number associated with my account. So I wasnt made aware until after I made a deposit to one of the fraudulent accounts because he had made that one the primary account. And I noticed that email was not mine when I requested the transaction receipt to send to my email. I went into Wells Fargo spoke with a banker but was unable to help since I wasnt able to verify myself because of no proper form of ID. I had to wait another month until I received my new passport at that time it was late. I went in to Wells Fargo only to find out that XXXX $ was gone and left me with nothing but a debt of XXXX $ Ive spoken with the bank but its been over 2 months now and I still havent gotten my money back. I am at ropes end. Because of this my credit score has gone down and I havent been able to make new deposits in fear that money might go missing as well. I need to make payments to credit cards I have and I dont know how since this account was used primarily to pay my cards.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing you today as an aggrieved man. My identity was stolen along with my other pertinent information. I never authorized and or agreed for any of these companies to do an inquiry against my credit. 
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: Credit card

From JPMCB bank its was opened two froudeluent accounts under my name and my credit report is in disaster I did FTC report regards this accounts with police report and did send to credit agencys.XXXX fraud department representative don't want to block or delete this fraudulent accounts from my report saying that they are waiting from company to respond and its already 90 days. 
Thanks for your attention. 
Sincerely XXXX XXXX
Product: Mortgage

Mortgage company Seterus is managing my account. I have incurred late fees which they have been unable to explain. I have requested this information on the phone and in writing. I have confirmed that they have my correct mailing address. Each time, I am told that a written response is forthcoming. I need to know about these charges as I have been making my payments timely, electronically. If the problem is with the electronic payment system, I need to seek recourse through them. I have been getting the run around for almost one year,
Product: Prepaid card

Refused refund or manager after being denied the " guaranteed '' activation on a prepaid card. When asked why, the scammers ( Netspend ) refused to answer and put me on hold for an hour. 

I was scammed out of XXXX . Bought card for my friend, but the account was denied and the money disappeared. 

The email is mine, but the name was hers, as I wanted to help her get on her feet. 

Now I cant even get this money back?!
Product: Credit reporting or other personal consumer reports

Fraudulent accounts were open in my name without my consent or knowledge. I have filed a police report and filed a complaint of identity theft. 
For following accounts XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I recently checked my credit score and saw it had gone down. I investigated and found there was a debt collection listed that was not mine. Debt is being collected by IC systems Debt Collection in XXXX MN on behalf of XXXX XXXX XXXXXXXX for a charge of {$130.00}. Apparently delinquent and opened for 2 months. I am a XXXX XXXXXXXX customer ( for 8 years now ) my information was recently found on the dark web. It was mostly incorrect so i didnt pay it much mind, and didnt contain my social. It was reported for collection on XX/XX/year>. I called XXXX on XX/XX/year> at XXXX XXXX  and spoke with a representative named XXXX. She found no charges to my account for {$130.00} that had been unpaid, no new lines, nothing added, or past due. I attempted to call IC systems debt collection on XX/XX/year> at XXXX XXXX. Their automated menu had no options that aligned with my inquiry, and their representatives are out of office with no options for voicemail. I believe this to be identity theft and it is now negatively affecting my credit.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash out due to inadequate customer service and unfair practices which violate the Consumer Financial Protection Act specifically cash app failed to take timely and effective measures to prevent an address fraud on our platform to prevent an address fraud on their platform leaving my account horrible and protecting leaving my account vulnerable and unprotected furthermore they're dispute resolution process was unfair and deceptive as they did not comply with error resolution requirements under the electronic fund transfer Act and regulation XXXX these actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations.
Product: Debt collection

I was part of the Greentree LLC Debt collection process with my Mortgage Loan via XXXX and was never included in the class action lawsuit. Is there anything I can do to claim any monetary funds due to the issues they caused my credit report, finances, etc.? Please let me know and thank you again for your time! WE were all taken advantage of by them!
Product: Credit reporting or other personal consumer reports

To whom it may concern, The reason for this letter it to dispute an unauthorized inquiry on my credit report. I retrieved a copy of my credit report and discovered an inquiry that I have no knowledge of. 
Because I did not apply for credit with ( XXXX XXXX XXXX : XXXX XXXX, XXXX  ), I have also reached out asking that they remove the inquiry from my credit profile. 
Please launch an investigation into ( XXXX XXXX XXXX : XXXX XXXX, XXXX  ) inquiry to determine who authorized it. Upon completion, please provide written correspondence that details the results of your findings. 
If you find that the inquiry is invalid, I am requesting that it be removed from my credit report as soon as possible. But if ( XXXX XXXX XXXX : XXXX XXXX, XXXXis able to prove that the inquiry is indeed valid, please provide written proof and a description of how the investigation was conducted. 
Thanks in advance for your prompt attention to this matter. 
Sincerely, XXXX XXXX
Product: Debt collection

I had taken a loan at Republic Finance I had a little bit of issue last year with the payments emailed them told them that I've gotten it cleared up toward the end of the year and it should be fine I received a new debit card first of this year and attempted to log in to change my debit card. I work late sleep during the day so I don't really have time to talk to anyone or deal with situations much during business hours so I use website. Since the first of this year the website has been saying this account is disabled please contact us so I haven't been able to update my card info. Which on a side note is actually a violation of the contract because the contract specifies that I will be able to pay and manage the account online well at this point I haven't been making my payment because my card they have is expired they are calling me sometimes 4 to 5 times a day 6 and 7 days a week of course while I'm sleeping so my phone is off. They've also submitted to the courts and I have an a court date for a judgment which for a contract that they are in violation of shouldn't actually happen.
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 items 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/block any items 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. 

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

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 Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$5600.00} ; XXXX XXXX XXXX Balance : {$9500.00} ; XXXX XXXX XXXX Balance : {$1500.00} ; XXXX XXXX XXXX Balance : {$9500.00} ; XXXX XXXX XXXX Balance : {$2900.00} ; XXXX XXXX XXXX Balance : {$2300.00} ; XXXX XXXX XXXX Balance : {$6300.00} ; XXXX XXXX XXXX Balance : {$3900.00} ; XXXX XXXX XXXX Balance : {$2300.00} ; XXXX XXXX XXXX Balance : {$1300.00} ; XXXX XXXX XXXX Balance : {$5500.00} ; XXXX XXXX XXXX Balance : {$580.00} ; XXXX XXXX XXXX Balance : {$3200.00} ; XXXX XXXX XXXX Balance : {$2000.00} ; XXXX XXXX XXXX Balance : {$9000.00} ; XXXX XXXX XXXX Balance : {$1200.00} ; XXXX XXXX XXXX Balance : {$4200.00} ; XXXX XXXX XXXX Balance : {$6400.00} ; XXXX XXXX XXXX Balance : {$2600.00} ; XXXX XXXX XXXX Balance : {$5300.00} ; XXXX XXXX XXXX Balance : {$580.00} ; XXXX XXXXXX/XX/XXXX ; XXXX - XXXX XX/XX/XXXX ; XXXX - XXXX XX/XX/XXXX. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Debt collection

Its been over 30 DAYS! I have sent in letters informing yall of the inaccurate information being reported on my credit report. the docoments below shows the account that I signed for with my son has been Dispissed by the court system. And deleted from his report. and it needes to be deleted from my credit report as well. I kknow my rights and I KNOW i have the right to a fair and accurate reporting. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

On XX/XX/XXXX and XXXX of XXXX I spoke with XXXX XXXXXXXX about applying for a VA Mortgage Loan. The person also added another co-worker to the call. The merged caller was said that she is great with VA Loans. They ran my credit information and contacted me later in the day. I then explained to them about our selling of the home in XXXX, moving to XXXX and paying off all the revolving debt. I was told that my score was too low, but to wait 30-45 days for the credit history to reflect. The housing situation during this pandemic is not the best at letting you wait for anything. So, I then asked about doing a Rapid Rescore for the accounts that were not reflecting the recent payments. I was told that they would investigate it. The company called back the next day with an amount of $ XXXX that they wanted to charge me to run a rapid rescore. I never sent them the information to prove to the credit agencies of the payments, nor did they ask for said information. I was told it cost {$290.00} per account per credit agency. I told them that I was not going to pay for that. I then told them that they were not supposed to charge me for that either. I sent XXXX a text about sending me the disclosure on the rapid rescore so I could go over the charges. I never received a disclosure but was called the next day by an associate of the company claiming to merge the call with the owner of HomeKey Mortgage. The call looked important so I answered, even though I was in the restroom. I asked them to call back in 10 minutes to let me get out of the restroom. I was told that they probably would not be available. I did not receive a call back. I called back 11 minutes later, but was transferred to voicemail. I called back 12 minutes later again, but was transferred to voicemail again. I then left a message, with no one calling back. I have not heard back from anyone with the company since then. The realty company has not put us in contact with another lender.
Product: Credit reporting or other personal consumer reports

I am taking steps to recover my information. I am a victim of identity theft. I have previously made a claim about XXXX XXXX XXXX XXXX XXXXXXXX '' accounts that appear on my credit report. As a result they were removed. But on XX/XX/XXXX they came back again on my credit report. This is terrible. " XXXXXXXX XXXX XXXXXXXX '' opened on XX/XX/XXXX reporting {$500.00} charged off. " XXXX XXXX XXXXXXXX, XXXX '' opened on XX/XX/XXXX reporting {$500.00}. " XXXX XXXX XXXXXXXX '' opened on XX/XX/XXXX reporting {$500.00}. XXXX XXXX XXXX XXXX, XXXX '' opened on XX/XX/XXXX reporting {$500.00}. Due to these fraudulent accounts reappearing back on my credit report if it happens again i will be forced to take legal action.
Product: Debt collection

DATE:XX/XX/XXXX AMOUNT : {$560.00} COMPANY : JSZ-FINANCIAL CO INC RESPONDED TO LETTER STATING THAT I OWED DEBT.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please reference previous complaint # XXXX. Experian has tried stall tactics to not be in compliant with the FCRA section 602. They received a letter from XX/XX/XXXX. They claim they received XX/XX/XXXX, 20 days later than the dated letter. 
Referencing the # XXXX they claim now that they need permission to proceed with my complaint! Why? There is not a security freeze on my account and if so they placed this freeze without my consent or any action on my part. 
Please provide proof if that is the case. They will use this as in indication that they have move time to investigate thus extending the 30 days!!
Product: Credit card

A fraudulent credit card account was opened with Capital One under my name. I received an email from Capital One that my card was in the mail. I called Capital One and reported the fraudulent account. After speaking with a representative at Capital One, they have flagged the account as fraudulent and said they will report to FTC. I have requested that they stop sending me junk mail so that there is less of chance of someone using that mail that has been tossed in the trash to open a fraudulent account.
Product: Student loan

Issue : Paid the total amount of the loan, but Discover Student Loans isnt current on their records and still trying to charge me. 

On XX/XX/2022, I refinanced my existing Discover Student Loans with XXXXXXXX XXXX XXXX XXXX dispersed XXXX checks on XX/XX/XXXX to my Discover Student Loans ( Account # XXXX XXXX and XXXX ) ( Loan # XXXX Account XXXX = Loan XXXX, Loan XXXX, Loan XXXX, Loan XXXX, Loan XXXX ) ( Loan # Account XXXX = XXXX ) which were processed to my account on XX/XX/2022. However, Discover only allocated {$2100.00} to my XXXX, even though the check was for {$14000.00}. They are now requesting payment on XXXX XXXX for {$130.00}, still charging interest, and said it's due XX/XX/XXXX. I contacted them via chat on Tuesday XXXX of XXXX regarding this issue as they are clearly inaccurate on their records and they were rude and told me that the check was only for {$2100.00} and I could contact them via phone if I wish to speak to someone on the phone. I confirmed with XXXX and received the check numbers for the transactions that it was in fact for {$14000.00}, and received the check numbers. On Thursday, XX/XX/XXXX, I contacted Discover again via phone and they said again that the check in their system was for {$2100.00} - but they will confirm and resolve the situation by Tuesday of this week. It should not take a week to resolve a very serious issue, and they shouldn't be requesting payment for something that is their error. The second customer service person from Discover was friendly, but I did not like the solution he suggested. 

XXXX bank has been nothing but fabulous throughout the entire process, always keeping me updated with top customer service.
Product: Mortgage

Newrez LLC miscalculated my mortgage escrow amount for the upcoming year by using outdated insurance information. I called multiple times and tried to get them to update their information, even though I had confirmed receipt they had gotten my updated insurance information months before. It took multiple calls spread across multiple weeks before the information was correctly updated within their system. I then requested an updated escrow analysis and they stated it would be completed by a specific date. They did not complete the analysis by the date promised. I then had to call again and they told me they would put in another request. 

All in all, I have probably called 6 or 7 times and spent hours of my life trying to get the correct escrow amount on my loan and Newrez LLC keeps not properly saving and processing the information. Each time I call I am given empty promises and missed deadlines.