23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I am unable to log in to see the charges on my account and they are not able to send me a paper version. I can't confirm if the charges are correct and I have called multiple times. Customer service has had me reset my password and it never works. I am getting charged all these fees even though I have not be allowed into my account. Nobody seems to know how to fix it and i am incredibly frustrated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of identity theft. Have been dealing with this on going for 14 yrs now. This being one of the accounts opened in my name. Never stepped foot in this establishment nor have i acquired services or goods from there.
Product: Credit reporting or other personal consumer reports

I requested that the company provide verification of items pertaining to my ( so called loan ) and to not make any negative credit reporting while doing so however the company has not provided the requested information and they have proceeded to report negative information on my consumer reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several time I've complained about being a victim of identity theft. The 3 Credit Bureaus must remove any item 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

To Whom it may Concern : This is request for documentation of original contracts. I take issue with the methods used by XXXX XXXX, XXXX XXXX AND A FEW OTHER ACCOUNTS LISTED BELOW! XXXX v. XXXX, XXXX. XXXX, XXXX XXXX XXXX. XXXX ( XXXX ) .States Credit contracts are non-assignable even if the contract has a clause for assign ability because it violates contract Law. Where there is no fair valuable consideration given, the contract or agreement is void ab inito. The debt is non-transferable. If it is a contract for credit or goes to the character of the parties, it can not be transferred or assigned. No state can make a law impairing contracts, XXXX XXXX v. XXXX XXXX   XXXX XXXX : XXXX v. XXXX, XXXX XXXX  XXXX. Once the Creditor writes off a debt, it can not be assigned or Collected. 
Also I have received a credit report claiming that I owe a debt to these companies yet I never seen a single letter prior to the listing of the negative items. Since this is an error I demand that you send me the following proofs. As you are obligated to do in accordance with the Fair Debt Collection Practice Act. Section 1692 ( g ) : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin. 
XXXX XXXX XXXX # XXXX**** XXXX XXXX XXXX XXXX XXXX**** XXXX XXXX XXXX XXXX XXXX**** XXXX XXXX XXXX XXXX XXXX**** XXXX XXXXY # XXXX**** XXXX  XXXX # XXXX**** XXXX  XXXX # XXXX**** XXXX XXXX # XXXX**** XXXX  XXXX # XXXX**** XXXX XXXX  # XXXX**** XXXX/XXXX XXXX # XXXX**** Please send notice of a cease and desist to all creditors until documentations are properly provided.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX  ONLINE XX/XX/XXXX XXXX CARD XX/XX/XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX Date of XXXX XX/XX/XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX It is so many inquiries on my credit I didn't apply for and my information on my credit is not adding up. I submitted a complaint months ago about XXXX auto as well having the information wrong on my credit report and it is still wrong follow by my screenshots provided. I lost my truck to repossession in XXXX the balance was {$4200.00} not {$15000.00}.
Product: Debt collection

May this letter find you in good health As a loyal customer, I'm writing to you to voice my concerns about certain late payments that were shown on my account. I understand the importance of maintaining a positive payment history and take full responsibility for these oversights. I kindly request your understanding and assistance in removing the recorded late payments from my account history. 
XXXX XXXX XXXX XXXX XXXX  Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact me or XXXX XXXX XXXX XXXX customer service representative. 
I am aware that the business has late payment procedures in place, and I genuinely appreciate your compassion and understanding in this regard. Please walk me through the appropriate procedures if there is a formal process to follow or if any further information is needed. 
I appreciate you taking the time to consider this request. I value your efforts in assisting me in keeping my account information accurate.
Product: Checking or savings account

Wellsfargo account of my entilment to reveal a opt over draw of my account in which the bank does not charge a over draw free else another transaction is place on the account. XXXX XXXX I was charged with a fee this happen to me before at the bank of auto phone tel verbally statement that my account is clear of all incoming and out going charges and when went to deposit what was owed i was told another pending transaction that cause a large some of money to be owed in which i felt .i was being subjected to cusumer brutality of theft fraudlent collection being place on my account of the banker staff inwhich of swtiching incoming debits to insure that it was a over draft as well as threat of staff threat of service and as well as a personal physical finacial bodily harm threat XX/XX/19
Product: Credit reporting or other personal consumer reports

I had some debt collector companies reached out to me, I asked them to validate the debt and also show me proof that they're own the debt and a lease agreement from both parties and proof that I owe them they don't showed none of the things that I asked for please help me remove the incorrect information they keep reporting in my credit report because they won't validate the debt thank you.
Product: Credit reporting or other personal consumer reports

I XXXX XXXX, am a victim of identity theft, request removal and deletion of listed accounts on my XXXX credit report : XXXX, Inquiry date : XXXX XXXX, XXXX XXXX, Inquiry date : XX/XX/XXXX, XXXX, Inquiry date : XX/XX/XXXX, XXXX, Inquiry date : XXXX XXXX, Chapter 7 bankruptcy : bankruptcy, XX/XX/XXXX.
Product: Credit card

On XX/XX/XXXX I received the following text " Free Fraud Alert : Jet Blue Card ending XXXX XXXX A charge for {$2600.00} at XXXX XXXX XXXX was not approved on XX/XX/XXXX. Reply 1 if valid. Reply 2 if not valid ''. I immediately responded by typing " 2 ''. See attached for further information. A hold was placed on my card and I called the credit card company BARCLAYS on XX/XX/XXXX to investigate the charges as well as other charges. I was informed there was a charge for {$3000.00} to XXXX establishment as well and the charge was approved. I disputed the charge and the credit card company credited my card pending investigation. On XX/XX/XXXX, I noticed the charge of {$3000.00} recurred on my card. I called again to dispute charge and a temporary credit was issued pending a second investigation. I tried calling the credit card company but not success in resolving this issue.I received a letter XX/XX/XXXX, indicating the charge is valid and the {$3000.00} was applied to my account. I called the credit card company BARCLAYS to request video, picture, signature or other proof. The credit card rep reported the charge was made in person.
Product: Money transfer, virtual currency, or money service

I received a message on my phone to confirm Chase credit card transaction, I replied with NO, as requested in the message as I did not perform the action then received another message that someone from chase bank will call. I received a call from chase bank No. ( The same No. at the back of my Debt ), the person introduced himself as a Chase bank officer told me that my credit and account was compromised and that I need to open a new account, he walked me through the app to transfer the money to the new account and give me the name of XXXX XXXX as bank officer and I transferred {$7500.00} to the new account, I was told that I will receive another call and I need to confirm the action, when I asked how I would know that I am speaking with Chase Bank, he told me to look to the number he is calling from and compare it with the number at the debt card back and so I did and it was the same number, later I received a call and I was asked to confirm the transaction and I replayed that I confirm the transaction for opening new account. After few minutes I checked my account over the bank application and found out that the {$7500.00} withdrawn from my account and no change on account number, I called the same number XXXX XXXX XXXX XXXX and I was told that the bank called only one time to confirm the transaction and it was confirmed and completed and this is not considered as a fraud as I performed and confirmed the transaction myself. I sent to chase bank all what happened through the secure message center and they replied that they will get back to me within 1 business day. Chase called this morning and informed that they already contacted the bank the money was transferred to, and the bank replied that they can not do anything. 

I believe the bank should have helped more and secured my money back for the following : 1- The fraud/scam call that I received was from Chase bank number, same # at the back of Chase Debt card. The bank never informed me as a customer that a call from Chase Number might be a scam.

2- I called the bank 10 minutes after the incident, the transaction was still pending, and the bank refused to call the transaction off, due to the fact that the scam call came from Chase Bank Number , they should have procedure to stop transaction even if transfer was confirmed first time.

3- The Bank should educate the clients with possible scam calls or fraud, but we never received relative information from the bank. 

Thank you
Product: Debt collection

This debt was included in my bankruptcy case- They keep saying no, but the courts allow you to add additonal debt when you file bankruptcy- Portfolio Recovery removed this collection from XXXX XXXX off my credit then placed it back on there one year later. They can not prove it was not included in bankruptcy, however they will not remove off my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act US Bankruptcy Court XXXX Account # XXXX Reference # XXXX & reference # XXXX US Bankruptcy Court. This has aready been handled. Please remember in XXXX the UNITED STATES Government declared that they would pay all of my debts with the money they receive from the labor, birth certificate, and social security registered number by what is known as my Reserve Account. this is Known as the HJR192. Further more the information is incorrect because my name is spelled in all caps as on my birth certficate. That is my Idenity. The Privacy Act of XXXX covers me regarding my personal information being public. Please provide my signature authorizing the bankruptcy to be public. I am also a victim of idenity theft.
Product: Money transfer, virtual currency, or money service

This Started in late XXXX. My wife XXXX XXXX was having money wired from her country with the help of her family to her bank account here in XXXX Kentucky to buy a new house. Everything was going well then the agent that was handling the money transfer 's recommended to my wife that she find another bank account to wire the last XXXX to because of the high bank fees. 

My bank. ( Chase bank happened to have lower bank fees. And I agreed to allow my wife to transfer money to the little used bank account I had at the time. The money started coming in increments and everything seemed to be going as planned Then around XX/XX/XXXX. I noticed from my Chase app that all of the money was seemingly in my account. Then on XX/XX/XXXX I tried to g and withdraw the money but the bank told me that they had a hold on the money that the money never posted to my account. And that they locked the account two days ago. 

I immediately called the fraud department at Chase bank and that was when I learned that someone had tried depositing the money to my account from eight different locations from XXXX XXXX XXXXXXXX and my bank said that they could not verify the source of these checks.. The next few days with the information on the check images provided by my bank and tried to verify the source of the checks myself with the cooperation with the chase fraud department but despite all of this we only managed to verify two of the eight checks.

This lead to me losing my checking account with Chase bank. I also filed a complaint with the Federal Trade Commission on XXXX XXXX but we haven't heard if they made any progress on our case or not. So right now everything is in Limbo and I am unable to open another account with chase. 

EVIDENCE IS AVAILABLE UPON REQUEST.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019, I forwarded a copy of my Federal Trade Commission Crime Report to Equifax which outlined my case of identity theft. This report along with a typed and itemized list of which inquiries were fraudulently made were sent in immediately when the reports were provided to me. 
Equifax has chosen to ignore this legal matter and unlike the other two major credit bureaus : XXXX  and Equifax, has refused to even acknowledge or attempt to rectify the effects of this crime on me. XXXX  and Equifax followed the proper federal laws and deleted these items while Equifax has chosen to willfully non-comply with those same federal laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

Desputed info but nothing happened
Product: Credit card

HELLO, I APPLIED FOR A SYNCHRONY JEWELRY ACCOUNT LAST WEEK FOR A LOCAL JEWELRY STORE I AM PLANNING TO MAKE A PURCHASE FROM. 

UPON APPLYING FOR THE CARD, I WAS TOLD I WAS DENIED EVEN THOUGH I UPLOADED A VIDEO/PICTURE OF MYSELF, AS WELL AS MY IDENTIFICATION. 

TODAY I GOT A LETTER ( ATTACHED ) STATING THE APPLICATION DUE TO LACK OF IDENTITY VERIFICATION. 

I CALLED XXXX TO SPEAK TO A REPRESENTATIVE WHO ADVISED ME THE DECISION CAN NOT BE REVERSED OR ESCALATED. 

I EXPLAINED THAT I PROVIDED ALL THE DETAILS NECESSARY TO VERIFY MY IDENTITY DUE TO MY FRAUD ALERT ON MY CREDIT REPORT. 

THE JEWELRY STORE PURCHASE SALE ENDS THIS MONTH, AND I WAS TOLD I CAN NOT APPLY AGAIN UNTIL 30 DAYS. 

I FIND THIS VERY UNREASONABLE AS I HAVE PROVIDED SUFFICIENT PROOF OF MY IDENTITY. 

THE APPLICATION DENIAL LETTER IS ATTACHED, AND HAS THE INFORMATION NECESSARY TO PULL THE APPLICATION. I HAVE ALSO ATTACHED A FRONT AND BACK PICTURE OF MY IDENTITY.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS DOES NOT BELONG TO ME AND IS IN NO WAY RELATED TO ANY TRANSACTIONS THAT HAVE BEEN MADE BY ME OR AUTHORIZED BY ME. I HAVE NO IDEA HOW THESE ACCOUNTS GOT ON MY CREDIT FILE. THIS SITUATION HAS CAUSED A GREAT DEED OF STRESS ON MY CREDIT AND TO ME PERSONALLY. THEREFORE I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : XXXX - Date of inquiry XX/XX/XXXX ; XXXX - Date of inquiry XX/XX/XXXX ; XXXX - Date of inquiry XX/XX/XXXX ; XXXX - Date of inquiry XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am filing this dispute against Equifax for inaccurate and unfair information reported on my credit file, specifically regarding the incorrect reporting of late payments on my Account Mortgage XXXX. 
Below, I outline the reasons for my dispute and the laws I believe have been violated : 1. Violation of the Fair Credit Reporting Act ( FCRA ) : The incorrect reporting of late payments violates my rights under the Fair Credit Reporting Act ( FCRA ). According to 15 U.S. Code 1681i ( correction of inaccurate information ) and 15 U.S. Code 1681s-2 ( responsibilities of information furnishers ), credit reporting agencies and information furnishers must ensure maximum accuracy in credit reports and promptly correct any errors. Despite prior requests to correct this data, the credit bureau has not conducted a thorough investigation and has relied on automated processes instead of a manual review, as required by the XXXX XXXX XXXX XXXX XXXX case. Furthermore, FCRA Sections 616 and 617 ( 15 U.S.C. 1681n and 1681o ) impose specific penalties for willful and negligent noncompliance. 
2. Violation of the Truth in Lending Act ( TILA ) : Under the Truth in Lending Act ( TILA ), specifically 15 U.S. Code 1637 ( b ) and 12 CFR 1026.5, creditors are required to send periodic billing statements with necessary information at least 21 days before the payment due date. In my case, I did not receive the statements as legally required, resulting in late payments inaccurately appearing on my credit report, failing to reflect my actual payment history. 
3. Violation of the Protection Against Non-Payment of Obligations Act ( PAANL ) : I invoke the Protection Against Non-Payment of Obligations Act ( PAANL ), which mandates that creditors accurately report contractual payment obligations and avoid generating late payment reports due to administrative or communication errors by the creditor. Misreporting late payments constitutes a violation of PAANL, unfairly impacting my credit history. 
4. Unfair, Deceptive, or Abusive Acts or Practices ( UDAAP ) : The inaccurate information reported may also constitute an unfair or deceptive practice under UDAAP ( Unfair, Deceptive, or Abusive Acts or Practices ) guidelines as established in the Dodd-Frank Act, regulated by the Consumer Financial Protection Bureau XXXX CFPB ). Additionally, FCRA Regulation V ( 12 CFR Part 1022 ) requires information furnishers to maintain reasonable procedures to ensure the accuracy of the data they report. 
Personal Impact : The persistence of this incorrect information has directly affected my financial stability, limiting my ability to access credit under fair terms, increasing interest rates on my accounts, and damaging my credit score and financial reputation.
Product: Mortgage

My wife and I work from home in a single family home in XXXX XXXX, XXXX. On XX/XX/XXXX I placed a 5 % deposit on a new condo purchase from a developer in XXXX before traveling there to reserve it. I contacted several lenders and initially locked a rate 2.875 % ( XXXX  pts ) on a second home purchase with a XXXX XXXX After discussing with my wife having learned more about the property we decided we wanted this as our primary residence since the internet and amenities would make it a better work environment. I called PNC bank on XX/XX/XXXX and spoke to XXXX XXXX and explained that we wanted this to be our primary residence and locked a 2.75 % rate ( XXXX pts ) with them. I mentioned that this was listed as a second home on the purchase agreement but I wanted this to be my primary residence since we do not want to have to change it later with the XXXX. Note the property is assessed at a higher value than our current home. During the conversation he said they could also do it as a secondary home and if we want and he could wave the XXXX pt fee. 

During the process I received a loan estimate from XXXX ' assistant XXXX that had added XXXX points to what was agreed upon. I forwarded him the initial email where XXXX had stated the terms was with no points and he subsequently had it corrected with manager approval. Everything was going fine and as it was looking like we were going to close I withdrew the application from the other lender ( XXXX ). 

Then on XX/XX/XXXX I received an email from XXXX that stated " The Underwriter is making us go with this as a second home. It is marked as a second home purchase in the contract. Because it will have to be a second home, that affects our pricing by XXXX of a point. '' I asked can we just do an addendum to purchase contact and he said we can try that. 

So after the addendum was completed and returned I received an email from XXXX on XX/XX/XXXX that stated " The Underwriting manager refuses to allow us to call this a primary home. She is forcing us to do it as a second home. I think that original purchase agreement is what did us in. So, since we have to go the second home route, our rates change. Below is what we are looking at. I would suggest locking at the 3.0 %, but I will wait for your confirmation. '' In this email is a chart that also indicated that the new loan terms were for XXXX pts. 

It is clear to me this is a bait and switch scheme and PNC bank and there is no reason why PNC can not honor the already agreed locked rate. The 10 year treasury has recently shot up in the past weekly and mortgage lending rates have followed suit. 

I spoke with XXXX XXXX on the phone on the phone regarding this and he was apologetic and relayed to me that XXXX was " supposed '' to let me know on XX/XX/XXXX that the underwriter was requiring a new application and the rate lock could not be applied and that did not happen. I agreed to float a rate with them to see if it comes down but I will likely have to back out of the purchase since I will have to have loan approval by XX/XX/XXXX or I will lose my 5 % deposit ( {$62000.00} ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I saw charges on my account that were not authorized - when I contact company they refused to show proof or even explain the unauthorized charges by them - they marked my payment as late and it was n't even due yet. I closed my account on XX/XX/2017 and they are still showing it open and showing late payment on my credit card when the card has been paid in full and closed on XX/XX/2017.