23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

Hello, I am writing to file a complaint for the lack of support I feel is sufficient when an account has been hacked. On Monday, XX/XX/2023, at about XXXX XXXX CST, two charges appeared on my account that I did not make. XXXX notified me that they suspected fraudulent activity and that my card had been locked. I logged into my account, saw the charges and went to check that it was locked. It was not locked, so I locked my account. I then went to their help section on what steps to take. It said to lock my account, order a new card ( at a {$5.00} fee ) and to report the charges. It also asked me to contact the merchant. Even though it said to report the charges, it did not say how to. So I contacted the merchant that evening and waited to call customer service the next morning since it was pretty late at night. While on the phone with customer service, it took 32 minutes to get to a third person that could actually help me. It really should not take that long to get assistance when you've been hacked. That person advised that they were going to order me another new card ( one top of the one I already ordered after following their steps on their site, at another {$5.00} fee - so that's {$10.00} now in fees to fix something I already felt violated enough for ). After disputing this a few times, she put me on hold to tell me they didn't have to order me a second card, but that the charge for the first card still stood. My first complaint is how can a company profit off of someone who is already going through the hassle of their account being hacked. They have since reversed that charge for the card fee, but nobody updated me on that, I saw it in my account. Back to the call, the lady tells me I need to contact the merchant and provide screen shots of that to them for them to investigate it and that it can take 60 days to process. This is where my major complaint is ( not just the extreme lack of customer service in a situation where you feel you have been stolen from ). They can look at my account and see that I have never used this card online, I have only ever used it for in-person transactions locally. The hacker paid for services in XXXX through a XXXX website. However, they are not releasing my money back to me till the investigation is complete. In the meantime, they put the money back in my account, to then take it back out ( screenshot attached below ). I'm furious as to why a company would take so long to place the funds back when it's clear that I did not make the purchase. I even provided them with screenshots of when I tried to contact the company where the transaction came from that showed that the email account is fake ( attached ). XXXX has been anything but helpful in a situation where I already feel violated. I also thought this is why financial institutions have insurance to cover situations like these, instead of making the customer wait so long. 
I have never used this card online, and the few times I have used it have all been in person, that makes me feel their system is not secure and has been hacked or someone on their internal team used my information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Incorrectly reporting late payment ( XXXX, XX/XX/XXXX ) as late on my second mortgage with Specialized Loan Servicing. I have talked to Specialized Loan Servicing who has verbally validated that no late payments have been made. They have also indicated that they have not reported any late payment to the bureaus. I've disputed this information over 4 times to both XXXX and XXXX with little results. They have both come back saying that the lates were correctly reported by the loan servicing company. I've included the XXXX documentation as well as the mortgage servicers statements they have sent me showing that there hasn't been any late payments made. Disputes were made on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XXXX.This has negatively impacted my credit scores and I would like this corrected to show never late.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and am being harassed by collection agencies constantly calling me. The following information below is what I found on my credit report that is not mine. I demand the accounts below be removed from my credit report immediately! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

MY PERSONAL INFORMATION WAS STOLEN 2019 AND REPORTED. I OBTAINED A COPY OF MY CREDIT REPORT AND IDENTIFIED ACCOUNTS THAT I HAVE NO KNOWLEDGE OF, NOR HAVE I EVER OPENED. 

I CONTACTED EACH BUREAU BY PHONE AND FOLLOWED BY CERTIFIED MAIL REQUESTING VERIFICATION OF EACH ACCOUNT. EACH ACCOUNT IS UNVERIFIABLE BUT STILL REPORTING TO MY CONSUMER PROFILE. 

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2 EACH BUREAU HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY, REPORTING INACCURATE ACCOUNTS IS IN VIOLATION OF 15 USC 1681EB .

DUE TO THE NEGLIGENCE OF EACH BUREAU IF NOT CORRECTED WITHIN 15 BUSINESS DAYS I WILL BE SEEKING MONETARY COMPENSATION OF {$1000.00} PER VIOLATION AND LEGAL ACTION
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been informed of the Transunion security breach and I want to be involved in the settlement. I have endured numerous financial loss and other issues in regards to inaccuracy and fraudulent activity on various of my accounts all connected to Transunion.
Product: Credit reporting or other personal consumer reports

I am writing to dispute and request the immediate removal of fraudulent inquiry from my credit report. Upon reviewing my credit report, I have discovered several inquiry that is not authorized by me. This inquiry is damaging my credit standing and have the potential to cause significant harm to my financial reputation. I have already submitted a report to the Federal Trade Commission ( FTC ) regarding this fraudulent inquiry and have enclosed a copy for your reference. Despite this, this inquiry is still being reported by your bureau. This is a violation of my rights under the Fair Credit Reporting Act ( FCRA ), and I demand that this inquiry be removed immediately. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Per the Federal Credit Reporting Act as a federal protected consumer. Pursuant 15 USC 6802 I XXXX XXXX am OPTING OUT of all and any authorization I may have given to XXXX XXXX XXXX written, unwritten, verbal, nonverbal to report my non-public personal information. XXXX XXXX XXXX is in violation of the Privacy Act of 1974 as well as 12 cfr 1022.24 Reasonable opportunity to opt out because I was never notified by XXXX XXXX XXXX that my non-public personal information was going to be shared to third party affiliated party 's such as XXXX, Equifax, XXXX and I was never given the chance to opt out. Also 15 USC 6508 also states I have the right to opt out on any thing reported to my credit report and I'm supposed to receive a opt out notice every thirty days which XXXX XXXX XXXX has not given me. I em hereby exercising my right under 16 cfr part 313.7. According to 15 USC 6802B I'm supposed to receive three different disclosures before my non-public personal information was shared without any notice. XXXX XXXX XXXX also in clear violation of selling debt to third party after the debt had already been tendered in accordance to ucc 3-603 I had no contract with the third party they sold the debt to. Also their in clear violation of 15 USC 45 unfair methods of competition for the failure to update the record after receiving tender of full amount of the debt in accordance with Electronic Funds Transfer Act as well as their acts of Securities fraud and tax evasion which I intend to report via form IRS form 3949A. To conclude XXXX, and Equifax are in violation of 15 USC 1681 section 604a section 2 it states a credit reporting agency can not report an account without written consent. I did not give XXXX or Equifax written consent to report XXXX XXXX XXXX account and supporting sharing my non-public personal information such as transaction history and balance which they are in violation which I did not give permission or written consent to report non-public personal information and did not give written consent to even report XXXX XXXX XXXX on my report
Product: Checking or savings account

On XX/XX/2019 in the evening at approximately XXXX ( after the branch had already closed ), I drove up in my XXXX XXXX ( LIC Plate XXXX ) to the Drive-through ATM at Chase Bank on XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX. I used my phone to access my account ( XXXX XXXX not my debit card ), entered my pin, and requested to withdraw {$800.00}. The ATM had a weird malfunction, no money was dispersed, and took me back to the first screen as if to start the transaction again from the beginning. No receipt or money was dispersed. My phone alerted me that {$800.00} had been withdrawn from my account. Without even moving from my spot, I immediately called Chase customer service to alert them of this problem. I stayed there for about 20 minutes and the woman I spoke with told me to leave because there was nothing more I can do, and let the cars behind me go. She informed me that a temporary credit will be added to my account until this is investigated. I left, and two days later after calling Chase again, the money was credited to my account again. On XX/XX/XXXX, I noticed that they reversed the credit that was given me. I immediately called Chase again, where I was all but accused of stealing. They told me they " investigated '' and there was no problem with the machine and it is now my problem. I asked to speak with the supervisor and for them to simply look at the ATM Camera footage, and again they were of no help and told me to call the police to subpoena the ATM camera footage. I went to the Branch and spoke with the Branch manager ( XXXX ) and she told me they will try to look into it but there's nothing that they can do. She mentioned that she noticed that my account said I also withdrew {$1000.00} that same day, which would be impossible because the limit is {$1000.00} a day. In actuality, I withdrew {$1000.00} the next day but there is an error on my account stating I also withdrew it on the XXXX. 

I went to police services and they told me to go back to the bank and a police officer will meet me there to take my statement and file a report. When the officer arrived, he stated that since this isnt a crime, he cant do anything and that this is a matter between me and Chase. He came into the branch with me and explained this to the branch manager. She then proceeded to file a report asking the claims department to take another look at our claim and to check the footage. For some reason, no one had looked at the camera footage this entire time, which would immediately exonerate me and show that I did not take any money out of the ATM.
Product: Credit reporting

I do n't have any clue of what or who this is.We can go to court on this matter.Highly disgusted with people who stalk consumers for their benefits illegally. Because you can assure You and I we know it 's not an accident. Fight Online Stalkers!
Product: Mortgage

I refinanced my house in XX/XX/XXXX. The mortgage was with XXXX XXXX XXXX ( no longer in business ). I believe that XXXX XXXX XXXX was taken over by XXXX XXXX ( also no longer in business ). I am currently with Wells Fargo Home Mortgage. I have been in this house for 16 years. 

We are selling the house and have a buyer. We are supposed to close on the house XX/XX/XXXX ( next week ). I received a call from the buyers closing Atty. XXXX XXXX, XX/XX/XXXX phone # XXXX on XXXX saying there is a problem with the title on our property. He said that it was not properly discharged. He said there is no record of the refi mortgage being paid off before going to our current mortgage, Wells Fargo. He asked if I had the settlement statement showing the payoff. I found the statement and sent it to him. He said the pay off is showing to XXXX XXXX and does not mention XXXX XXXX so it is not acceptable. He said he would have to hire a title search company and that could take weeks. The settlement company was XXXX XXXX XXXX , XXXX ( also no longer in business ). We did pay for title insurance at the time to XXXX XXXX XXXX XXXX of FL ( they are no longer in business ). 

My current mortgage with Wells Fargo is account # XXXX. I called them and they were able to provide a document that does name XXXX XXXX and XXXX in the document. This was faxed to the Attorney. He is saying that it is also no good. 

The attorney said to me " I know you must have paid the mortgage off or they would have foreclosed on you by now '' since we are still in the same house. 

It is not fair to the consumer to have to prove this payment again when I did provide the settlement statement. Now I am afraid I will loose the condo I am buying and the buyer for my house. 

I am in a terrible situation right now. Any help you can provide would be helpful.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH, XXXX XX/XX/2022 In accordance with the Fair Credit Reporting act, XXXX XXXXXXXX XXXX, Account # 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 an account without my written instructions.

15 U.S.C 1692 Section 805 A States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known or which should be known to be inconvenient to the Consumer.

15 USC 1692 Section 805 A Section 3 States at the consumers place of employment if the debt collector knows or has reason to know that the consumers employer prohibits the consumer from receiving such communication. 

15 USC 1692 Section 806 Section 5 Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 reporting, credit repair services, or other personal consumer reports

I traded in my lease for a  XXXX   XXXX  at  XXXX   XXXX  in  XXXX   XXXX . I only had 2 months left on the loan.  XXXX   XXXX  was to pay off the vehicle and sent the info to  XXXX   XXXX . In  XXXX / XXXX / XXXX  I declared  Chapter   XXXX  Bankruptcy. The vehicle was included because the paperwork to close out the lease had been lost, therefore, my attorney told us to include the car which was a lease. I have been disputing this since the discharge of my bankruptcy in  XXXX  and  XXXX   XXXX  continues to report erroneously the status of the account on all  XXXX  Credit Bureaus. They have passed the 45 day time frame & at this point I want the item removed since they refuse to correct. They are showing the last day of status as  XXXX  which in violation of Chapter  XXXX  which should not show any negative items on the credit report past the date of filing  XXXX . Furthermore the vehicle was paid every month and traded in on time.  XXXX   XXXX  is intentionally attempting to damage my creditworthiness.
Product: Debt collection

I was a victim of identity theft and noticed a collection from HARVEST ASSOCIATES I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against HARVEST ASSOCIATES in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you
Product: Student loan

Back after I left the XXXX XXXX XXXXXXXX gave false information when they worked with Navient. They charged much more than I owed because they took all the money that would have allowed me to clean out my funds then went to sell my account to Navient to try to scam more money and constant harassment to only sell my information and sell my account to far more because of their continuous charges so they can add to the debt for profit. We need to be protected from scammers like this
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been living at XXXX XXXX XXXX. XXXX, XXXX, VA for the last 11 years the previous addresses on my credit report I no longer live at these places. I also have been working at one job for the last 7 years and that is XXXX. All I want to show on my credit report is my Home for the last 11 years and my job for the last 7 years. I have been doing everything in my power to work on my credit for the better and I feel that this information on my report is misleading.
Product: Debt collection

This letter is a formal complaint that you are reporting inaccurate and incomplete credit information.

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. 
Your failure to verify these accounts positively has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed, and if you are unable to provide me with a copy of verifiable proof, you must remove the account listed below. 
I demand that the following accounts be verified or removed immediately : LVNV Funding LLC In addition, please remove all non-account holding inquiries older than 30 days and add a promotional suppression to my credit file. 
Under federal law, you have thirty ( 30 ) days to complete your reinvestigation? Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. 
Thank you, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX # XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX, UPLIFT INC XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights 15 U.S.C 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( A ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years, 15 U.S.C 1681s-2 ( A ) ( 1 ) a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is accurate
Product: Credit reporting or other personal consumer reports

Thank you for taking the time to help me in this important mater. I notice couple fraudulent inquiries on my consumer report. I do not recognize. Please delete this inquiries. 
XXXXXXXX XXXX or also know as XXXX XXXX XXXX Inquiries were made XXXX XX/XX/XXXX XXXX XXXX
Product: Mortgage

Good morning, I'm writing to you in the hopes that you will assist us with resolving our foreclosure issue with Chase Bank. 3 years ago, my wife was diagnosed with a very serious medical condition and, with the number of medical expenses that followed, we fell behind on our mortgage payments. She's better now and I have more than enough disposable income to Warrant modifying our loan and returning the good-faith payment. Chase has denied my modification requests for 2 years now! I've included a copy of my income and expenses, for your proof that we are able to handle our payments. Will you please assist us immediately?? The psychological toll is beginning to affect my wife 's health again - thank you.
Product: Vehicle loan or lease

I was provided a letter on XX/XX/XXXX with an itemized breakdown for a payoff quote on a vehicle purchase of a XXXX XXXX XXXX I have been trying to finalize since XX/XX/XXXX. See CFPB Complaint Number XXXX. This letter from Chase Executive Office with the itemized info : " Below is an itemized breakdown of that payoff quote : Contract Obligation + {$12000.00} Sales tax + {$860.00} XXXX lease payment + {$320.00} Purchase fee + {$50.00} XXXX and XXXX lease payments paid for - {$640.00} Total payoff = {$13000.00} '' I was advised to " Call our End of Term department at XXXX to get an updated payoff quote '' which I did on XX/XX/XXXX. I was given a payoff quote of {$1000.00} with the Total Payoff amount being {$13000.00}. This new total is now {$290.00} more. The {$1000.00} Payoff Quote was supposed to be overnighted. When I hadn't received the payoff quote paperwork yet on XX/XX/XXXX, I called the same department to find a tracking number. On the XXXX, no tracking number had been issued because nothing had been sent out yet. I called back on XX/XX/XXXX allowing for additional time for Chase to send the quote paperwork. When I spoke to Chase, no tracking number had been issued and nothing still has been sent out. I have been transferred from person to person, each representative saying they have limited access and can not assist with the necessary info. One representative said that I could request a new payoff quote but it may be more money. 
Chase is not sending the paperwork. In additional, Chase continues to not allow me to see account activities and statements from XXXX on this account on Chase.com yet they continue to change the amount due. Each time I try to resolve this issue, they fail to send necessary paperwork or change the final amount due while continuing to charge me monthly on the vehicle and apply late fees. On XX/XX/XXXX, the representative said that " no documents were generated on XX/XX/XXXX ''. I had spoke to a representative on XX/XX/XXXX and they said that it takes 2 days. The representative on XX/XX/XXXX said it takes XXXX hours. Nothing is consistent. I finally requested another quote on XX/XX/XXXX. According to today 's Chase representative and after speaking to 5 different representatives, the paperwork will take 24 hours to generate and will be sent out on XX/XX/XXXX and I should receive the paperwork overnight by XX/XX/XXXX. We will see.
Product: Debt collection

They call multiple times a day. Every time i answer i just hear breathing and then they hang up.