23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX. This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identify theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal loan account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX. Currently being reported as a New account XX/XX/XXXX after being removed XX/XX/XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquires in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned and accounts, collections, or hard inquires as reported. The aforementioned accounts, collections and hard inquires appearing on my consumer credit report maintained by you were not opened, made or initiated by me. All of the aforementioned accounts, collections and hard inquires are the results of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections and hard inquiries are the result of Identity and fraud.
Product: Student loan

In response to CFPB complaint XXXX, XXXX stated it would not respond to any further complaints regarding the issues within XXXX unless I submitted " compelling documentation. '' It would seem that despite providing XXXX ( XXXX ) years worth of Driver 's Licenses, XXXX did not believe they were sending billing statements to an incorrect address that was neither my address nor my physical address. And, despite disclosing my documented XXXX, it appears XXXX did not believe my XXXX under the XXXX would render me unable to communicate, write, think, etc., in instances where there are or have been supply shortages of medications I use to treat the disclosed medical condition. Finally, despite my disclosure of XXXX ( XXXX ) separate COVID infections followed by XXXX ( XXXX ) separate periods of XXXX, XXXX did not believe such periods of XXXX and/or XXXX would render me unable to communicate, write, think, etc. Hopefully the near one-hundred ( XXXX ) pages of documentation provided make clear a ) I do not live in Florida and have not lived in Florida since 2007, b ) I neither have a current mailing address in Florida, XXXX have had a mailing address in Florida since 2007, c ) I have a XXXX that is managed through medication that has been in short-supply for over XXXX ( XXXX ) year, d ) that shortage is on-going, XXXX ) I am rendered unable to speak, think, write, etc. due to the lack of medication and/or sudden cessation in medication when I can not get my prescriptions renewed due to the supply shortages, f ) For the period over which XXXX was sending my billing statements to address, and the cascading skip-tracing that resulted, that beyond the extent to which I demonstrated an ability to correct my address information when skip-tracing XXXX have overwritten my corrections, I was unable to speak, think, write, etc. due to the lack of medication and/or delays in prescription renewal, and/or sudden cessation in medication caused by the supply shortages, and/or because of long-COVID related XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX, and upon checking my most recent credit report, I noticed that the Credit Bureau is continuously reporting accounts with erroneous information. This is a massive violation of the Fair Credit Reporting Act. I have already addressed them with regard to this issue and I have not received any response from them until this date. 
XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$870.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : $ XXXX XXXX XXXX XXXXBalance : {$0.00} XXXX XXXX Balance : {$2600.00}
Product: Mortgage

When a company reveals new information or misstates facts, it constitutes a new issue separate from any previous matters. This is the case here. This complaint concerns either the misstatement Freedom Mortgage provided directly to the CFPB or, if accurate, the new information they disclosed that proves Freedom Mortgage broke federal law by issuing a Notice of Default while my account was in forbearance. 

On XX/XX/XXXX, Freedom Mortgage disclosed information to the CFPB ( Complaint # XXXX ) that they have only shared through this channel. This disclosure contradicts their prior communications and exposes a critical error : while my loan was in forbearance, they issued a Notice of Default on XX/XX/XXXX. Issuing a Notice of Default while the loan was under forbearance protections violates federal law. 

I was unaware of the full forbearance timeline until this disclosure. Previously, I believed my forbearance ended on XX/XX/XXXX, as indicated in Freedom Mortgage 's XX/XX/XXXX, communication about my application for the XXXX streamlined Partial Claim Program. This belief was based on their representations, which implied my participation in that program. 

This constitutes a significant legal violation and a breach of borrower protections. Based on Freedom Mortgages communications in XXXX, I believed my forbearance ended on XX/XX/XXXX. On that date, they sent a letter indicating that my application for the XXXX Streamlined Partial Claim Program was under review. Now, they deny this claim, asserting I did not qualify due to missing the XX/XX/XXXX, application deadline and that I was never under consideration for the program. 

In reverting to my original forbearance date, information they shared only with the CFPB and not with me, Freedom Mortgage has not only misstated facts to federal regulators but also demonstrated a more serious violation. They issued a Notice of Default on XX/XX/XXXX, while I was still in forbearance until XX/XX/XXXX, as required under CARES Act protections. 

If XXXX Mortgages XXXX reply to the CFPB is truthful and not an attempt to obscure mismanagement, their actions represent gross noncompliance. These XXXX narratives can not coexist. Freedom Mortgage must clarify whether I left forbearance on XX/XX/XXXX early, to meet the requirements of the Partial Claim Program, as their XX/XX/XXXX, letter stated, or if I remained in forbearance until XX/XX/XXXX, as they now claim to the CFPB. If it is the latter, their issuance of a Notice of Default on XX/XX/XXXX, quite literally broke federal law. 

Which is it? Did they lie to the CFPB to cover their mismanagement of my account, or did they violate federal law? 
Why was a Notice of Default issued on XX/XX/XXXX, if I was under forbearance until XX/XX/XXXX? 
If my forbearance ended on XX/XX/XXXX, why has Freedom Mortgage now claimed otherwise to the CFPB? 

They must answer for this new disclosure or blatant misrepresentation of the truth to a federal regulatory body.
Product: Debt collection

I, XXXX XXXX XXXX, own a townhouse at XXXX XXXX XXXX, XXXX, PA XXXX, Parcel ID : XXXX. On XXXX, I obtained a Home Equity Loan with the JPMorgan Chase Bank, NA, Home Equity and Consumer lending Division, XXXX XXXX XXXX, XXXX, OH XXXX. The current loan number is XXXX. 

The issue here is why did Chase pay {$250.00} to a debt collector in XXXX towards the XXXX XXXX XXXX XXXX XXXX XXXX when it was already paid in XXXX. The Township Tax Collector has confirmed the payment in his letter dated XX/XX/XXXX. This letter also states that there was no XXXX lien for my property. As shown in the letter, the XXXX tax amount of {$200.00} was paid in XXXX but Chase made a unilateral decision to make an overpayment of {$250.00} to debt collector. The Township Tax Collectors letter is attached for your perusal. 

There is no provisions under the Taxes and Liens section of the mortgage to pay a debt collector without verification or prior notification to me. This section also does not state that Chase is not required to contact me. Also, this section does not have any provision to pay the XXXX tax. This Chases action is in violation of the Evidence of Payment section of the mortgage. 

Under the Right to Contest section of the mortgage, Chase failed to give me 15 days to pay off any tax due. Chase has violated my rights under this section when it unilaterally decided to pay XXXX tax when it did not even have the mortgage on the property until XXXX. 


It is obvious that the Chase made errors in paying the XXXX tax in XXXX when the tax was already paid in XXXX. Chases own title search in XXXX prior to approving my loan did not find any lien. The XXXX payment of {$250.00} to a debt collector must be removed from my liability.
Product: Checking or savings account

Chase Bank uses its bill-payment system to defraud customers. 
On several occasions, I have requested payment for a mortgage account to be made from my checking account through Chase 's automated payment system.

In all cases, Chase immediately takes the requested sum of money, {$4000.00}, {$3500.00}, etc., out of my bank account -- but the mortgage company is never paid. 
Chase always has a very stupid excuse for this non-payment happening, even though they immediately take possession of my money. 
On top of this, I have been charged late fees of {$160.00} by my mortgage company for non-payment by Chase.

This has happened three times now, and as of today, a mortgage check that was supposed to be paid by XX/XX/23, yesterday, has not been paid, even though my funds we taken on XX/XX/23. 
I believe Chase Bank is committing customer and banking fraud under the guise of ineptitude.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant of FCRA Section 605B ( 15 U.S.C. Section 1681c-2 ) that you, the XXXX AND EQUIFAX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : XXXX XXXX XXXX XXXX XXXX XXXX  ( AMOUNT : {$14000.00} ) a. Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX XXXX ) DEPT OF EDUCATION / XXXX XXXXXXXX ( AMOUNT : {$31000.00} ) a. Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX a. Address : XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( AMOUNT : {$310000.00} ) a. Address : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, FL XXXX XXXX ) XXXX XXXX XXXX XXXX ( AMOUNT : {$38000.00} ) a. Address : XXXX XXXX XXXX XXXX XXXX, IA XXXX XXXX ) XXXX XXXX XXXX XXXX a. XXXX XXXX XXXX, XXXX, TX XXXX XXXX ) XXXX XXXX XXXXXXXX - XXXX ( AMOUNT : {$2000.00} ) a. XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX These accounts have resulted in several hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I have listed these fraudulent accounts that are on the report that is being maintained by you. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report that is being maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint [ # XXXX from FTC report ] as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violates the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. 
Furthermore, their dispute resolution process was unfair and deceptive as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulations E. These actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations.
Product: Debt collection

The apartment complex filed a judgment for {$710.00} debt collectors collected {$1700.00} They didnt report that the debt was paid to the county XXXX  XXXX XXXX XXXX 

Currently debt is still on public records as unpaid. The apartment complex states the debt was handed off to the collectors and no longer there problem. 

I am unable to submit receipts myself. Have to come from debt collectors or apartment.
Product: Credit card

XX/XX/year> : contacted Navy Federal Credit Union ( NFCU ) via telephone to notify them of identity theft. I have never banked with NFCU and noticed the account of my credit report. I asked for applicable information ( addresses, telephone numbers, email, etc ) on the account and was denied this information. They did confirm that there was both a credit card and checking account in my name. They stated checking account had 3 checks deposited over the life of the account, but would not send me copies. They opened a fraud claim ( # XXXX ) and stated the investigation should take 10 days and they will contact me by phone. 
XX/XX/year> : I emailed the declaration of fraud document to NFCU at both XXXX XXXX navyfederalXXXX XXXX XXXXXXXXnavyfederalXXXX I received an automatic email stating that my message was received. To obtain these email addresses, I had to call the company at which time they revealed the email on my fraudulent accounts. The email associated with the fraudulent accounts included the last 4 numbers of my social security number and NFCU never saw that as a red flag! 
XX/XX/year> : contacted NFCU via telephone for status update. They would not provide any information nor would they confirm if the investigation had even been started. They claimed that all contact with me would occur via mail, yet I don't know if they have my accurate mailing address. 
XX/XX/year> : contacted NFCU via telephone for status update and to ask why they reported a delinquency to the credit bureaus for the month of XXXX if the accounts are fraudulent to which they stated that they can not stop reporting until the investigation is complete. NFCU would not provide any information other than " the account way closed '' but would not specify if checking, credit card, or both. They acknowledged that 10 days is the typical investigation time but that they are " backed up ''. 
XX/XX/year> : filed claim with FTC. 
XX/XX/year> : retained legal counsel.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested the the comepelete bankruptcy docuements and paperwork to validate bankruptcy the dates and information containted within credit report are innacuurate XXXX XXXX  violation of consumer reporting I want item removed from my credit profile
Product: Debt collection

Green tree is attempting to reage a debt older than 7 years and has posted this debt to my credit report without a notice to dispute the debt.
Product: Credit card

Complete Bad Faith Practices At Chase Offers On Webpage Removed Then Put Back Was Promised You Would Help In XX/XX/2024 With Balance Transfer or Pay As You Go, You Promised Me Offers Will Be Available But Then Not Really Now Nothing Will Ever Be Available Or It Could Be Available But Might Not Be Available BYE CHASE TOTAL BAD FAITH Offer Appears On Webpage The Disappear When Need For XXXX XXXX XXXX XXXX XXXX XXXX XXXX Multiple Existing Offers Paid Early
Product: Credit reporting, credit repair services, or other personal consumer reports

ACCOUNT # XXXX XXXX  XXXX XXXX IS OUTDATED AND NOT REPORTING CORRECTLY, BUREAUS HAVE NOT RESPONDED IN 45 DAYS.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 a account without my written instructions
Product: Credit card

My credit report reflects a history of payments per agreement for ALL debts except for Macy 's. In 2007 I opened a Macy 's account, and at Macy 's recommendation, also opened separate accounts for jewelry and furniture purchases. Over the subsequent year or XXXX Macy 's consistently mis-applied my payments on these accounts, resulting in delinquencies on some and positive balances on others. I tried sending XXXX payment, then XXXX separate payments, but nothing resolved the problem.I had to call Macy 's every month to re-allocate the payments. I finally closed all accounts because of the frustration and because I knew that this would hurt my credit, which it has.
Product: Debt collection

The company is calling for a person who doesn't live here and is not associated with my number in any way.
Product: Credit card or prepaid card

Hello, I started a dispute with TB Bank who manages my XXXX store card for a transaction that occurred on XX/XX/XXXX for an amount over {$800.00}. 

I returned a phone to the merchant, the merchant accepted my return, but I never received a credit from the merchant. 
After attempting to resolve with the merchant several times, they would not issue a credit, stating they " will put in a request '' that I never heard back from. 

I started a dispute with TD Bank XX/XX/XXXX, within 60 days of the disputed transaction providing details both by mail and verbal forms of communication. I received a letter XX/XX/XXXX confirming the claim was started. 

It has since been over 97 days since I started the claim, and I have not heard back from TD Bank in any form ( mail or phone ) asking me for additional information, or, with a status of my claim. I sent the bank messages XX/XX/XXXX and XX/XX/XXXX through their online banking system and was not provided a status of my claim, only that it would be resolved within 90 days and I would receive a letter with the outcome. 

I attempted to contact them by phone today, XX/XX/XXXX, to get the status of the claim and was told I should get a letter by next week, which I had been told the week before. 

Thus far, TD Bank has not credited my account back for the balance, and the merchant has the product! I have not benefited from this transaction in any way and TD has kept me in the dark regarding the status of my claim. Since my account has not been credited after the 90 days, I can only assume that my claim was denied, however, unless the claim is in arbitration ( which I have not been made aware of ) I believe TD bank has mishandled my claim, as the information I provided them should fit the association 's charge-back guidelines. 

I need a satisfactory resolution on this claim as soon as possible, this transaction has been negatively impacting my credit for far too long and there is no reason the bank should not be able to provide me a simple status of the case over the phone, such as " Your claim is denied for this reason '', or, " Your claim is resolved in your favor ''
Product: Credit reporting, credit repair services, or other personal consumer reports

On Monday XX/XX/2021 at XXXX ( EST ), I received XXXX emails from XXXX XXXX bank confirming opening of both a checking account and a savings account. Both accounts were opened fraudulently. XXXX XXXX Bank ( and Transunion - read below ) allowed both accounts to be opened even though I have identity theft flags on my credit reports which I updated through the CFPB consumer portaXXXX in XXXX ( 2021 ) as a result of XXXX allowing a checking account to be opened. I immediately called XXXX XXXX and was transferred to a rather combative CS Manager in XXXX XXXX  's fraud department who went so far as to say to me ( on a recorded call ) that " [ he ] didn't have time to stay on the phone '' when I began asking him questions about how the account was opened?, was it opened online or at a branch?, what proof of identity was provided to open the accounts?, how were the accounts opened when I have identity theft flags on my reports as a result of the XXXX XXXX  ( and considering I updated the identity theft flags notifying all three credit bureaus that fraudulent accounts were opened )? He said I would receive a letter in the mail in 7-10 days but claimed, contrary to FTC regulations XXXX that XXXX XXXX  would not provide me the information of how the accounts were opened, what identity information was used to open the accounts, what federally mandated ID was provided to open the accounts, etc... XXXX XXXX  you will provide me with the information about how the accounts were opened. I ask the CS manager who 'approved " the accounts being opened and he specifically named Transunion ( again, this is a recorded call ), thus Transunion XXXX has twice now, first with XXXX and now XXXX XXXX bank, within a 6-month period, approved fraudulent accounts being opened, EVEN THOUGH ALL THREE OF MY CREDIT REPORTS ARE LOCKED and even though my credit reports have been flagged for identity theft since I received notification of the XXXX XXXX  breach... 

I spent nearly XXXX hours at a XXXX branch, thus face-to-face and with the Branch Manager, being put through the hoops to open accounts because of the identity theft flags, YET TRANSUNION has, twice XXXX approved online accounts to be opened. 

I am adding XXXX and XXXX to the complaint for notification purposes.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report using XXXX XXXX and I received an email from XXXX XXXX stating that Syncb/XXXX ( National credit card/Airlines was added to my report. The report says Inquiry from XX/XX/2019. I have never heard of or use whatever this maybe. I dont know where it came from. It was a hard inquiry on my report and I need it resolved.
Product: Credit card or prepaid card

Today, XX/XX/2022 at XXXX, I received a text from XXXX. I did not click on the link as I do not have a Citibank account. Here is what the text : / Citibank/ We have closed your citibank account for security reasons please verify Your identity XXXX XXXX XXXX? c I copied the actual text and pasted it fir you all to read. You will notice how the text starts out with a / which is not how banks do their texts. There is also punctuation problems as well as a capital letter where it shouldn't be. Banks never ask for your information. 

Thank you for your time. Hope this helps