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

Chase Bank Card Services, XXXX. XXXX XXXX, XXXX, DE XXXX ; RE : Acct # ending in XXXX sent me a bill for XXXX XXXX {$99.00} ( which I had not ordered and an {$85.00} annual fee which I did not want and through a series of phonecalls on XX/XX/XXXX 2017 with Chase and XXXX we addressed. In XX/XX/XXXX2017 we spoke by phone and as a result you sent to me the fraud form which I completed and returned, on XX/XX/XXXX2017 and I include a copy attached. I assumed it had been resolved to everyones satisfaction. Specifically, XXXX waived the Chase fees at XXXX p.m. on X/XX/17 for the late fee and interest and at XXXX p.m. and on X/XX/17 for the annual card fee, while XXXX at XXXX conceded the {$99.00} fee was fraudulent at XXXX p.m. on the same date I thought it was resolved. A bill arrived in late XX/XX/XXXX so I mailed a letter to you on XX/XX/XXXX 2017 which you did not respond to yet you continue to bill me despite this being previously resolved in a series of phone calls on XX/XX/XXXX 2017 :
Product: Credit card or prepaid card

On XX/XX/2021 There was a balance of approximately {$1900.00} on the Capital One bank Credit card that was issued to an account we opened. A negotiable instrument for the sum of {$2500.00} ( # XXXX ) was mailed to the company certified mail with specific instructions to adjust the account to XXXX as a debt discharge, and to leave the account open for future use. The letter mailed in also stated if this instrument was not to be accepted as a form of discharge the negotiable instrument was to be returned, but failure to return it will constitute acceptance of the instrument, for full settlement of the debt in its entirety. The consumer contract states that " Mailed payments received by us at any other location or payments in any other from may not be credited as of the day we received them ''.

I checked the account and I was informed the account was closed and the balance was still the same but my negotiable instrument/promise to pay was never returned [ See UCC 3-309 ( A ) ( 3 ) ]. This is also a violation of 15 United States Code title 1691 ( a ) ( 3 ).

When calling in I was informed by a manager the account was closed because of " contract problems with payment '' but the manager refused to elaborate further. 1 week later we receive a letter stating " We are closing this account because of activity on this or another account that is not consistent with our expectations for account usage and violations of the Capital One Customer Agreement. '' It also states " You are still responsible for paying, in full, any remaining account balance. You will continue to receive billing statements until any remaining balance reaches XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Trans Uniion has refused to remove a bogus address, possibly related to ID theft.

I have disputed this multiple times I have never been to New York I don't want to go to New York THIS IS NOT NOR HAS IT EVER BEEN MY ADDRESS, EVER!

Address XXXX XXXX XXXX XXXX, NY XXXX I SUSPECT ID THEFT.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE BEEN GETTING PHONE CALLS FROM DEBT COLLECTORS REGAUDING A ACCOUNT MY MAIL WAS STOLEN OUT OF MY MAIL BOX AND SOMEONE WAS ACTING AS ME AND STOLE MY IDENTITY TO OPEN UP FRAUDULENT CREDIT CARDS SO I CNTACTED XXXX, XXXX   and Experian CRA. On XX/XX/2020, I mailed XXXX, XXXX  and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Credit reporting or other personal consumer reports

I recently returned to the United States and checked my credit report. To my surprise, I discovered numerous inquiries that I do not recognize and did not authorize. These inquiries have appeared across different credit bureaus : TransUnion 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 on XX/XX/XXXX These inquiries are unfamiliar to me, and I am concerned about their impact on my credit score and financial standing. I have not applied for credit or authorized anyone to make inquiries on my behalf recently. Given that I have been a victim of identity theft in the past, it is likely that these inquiries are fraudulent and not initiated by me. 

In accordance with my rights under the Fair Credit Reporting Act ( FCRA ), I request that these unknown inquiries be thoroughly investigated and promptly removed from my credit report. Unauthorized inquiries that are not related to a transaction initiated by the consumer are violations of my rights under FCRA 1681b.

Please provide clarification regarding the purpose of these inquiries and take necessary action to resolve this matter. I request that you notify me in writing of the outcome of your investigation.
Product: Credit card or prepaid card

I was with Goldman Sachs bank under the Apple Card agreement anyways I had a hard time paying the bill I struggle with communication with people and was trying to get my balanced waived Im just wanted to get some help from the company and I got no help my father passed away last year and was super mad I had a credit card account with Goldman Sachs this company wont work with u and makes it hard to work withi just didnt have a whole ton of money and was struggling tremendously and they are poorly ran company if they would have helped me waive the balance I would been so happy I just dont know how to manage credit cards very well Im XXXX and Im permanently XXXX and struggle a lot I shouldnt have opened an account bad judgement
Product: Credit reporting or other personal consumer reports

Dispute letters were sent to both Equifax and XXXX regarding XXXX Accounts. These accounts were closed and charged off. They were reporting vary inaccurately as well illegally because they were showing Balances and Late Payments on a charged off account, inaccurately matching status on dates, as well repeat info of reporting it being charged off month after month, as well as no data reporting in gaps. 

I've sent 3 dispute letters asking for remediation of these inaccurately reporting accounts. However, it appears obvious, that no true action is being taken to make all corrections needed because they totally ignored 90 % of my request. This Has been complete negligence on their part. 

If an account has been charged off, it should not be reporting balances, past due, etc. because the Creditor has reported 1099-c to the IRS. 

As it stands in accordance with the FCRA, the inaccurate and incomplete reporting by Equifax and XXXX are in direct violation of 15 USC 1681 e ( b ) as well as15 USC 1681 s-2. I have reason to believe Equifax is not properly using the procedures put in place by the FCRA for verification with maximum accuracy. 

I am attaching the letters and screen shots of the credit reports etc. The first letters were sent via certified mail and I do have receipts verifying the received it. The remainder of the correspondence has been directly via bureaus online portal.
Product: Mortgage

I hold a loan with Guaranteed Rate for my property at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX During the pandemic, I was an XXXXXXXX XXXX helping in the XXXX in both XXXX and XXXX XXXX XXXX. During this time, I was negatively impacted by the pandemic and qualified for forbearance. I completed the duration of time and re-entered payments on my mortgage on time. In order to account for the payments not made during the time I was in forbearance ; it was agreed that I would conduct a loan modification. This included a 3-month trial period that I completed successfully. I filled out and notarized the appropriate paperwork for my loan modification on time and Guaranteed Rate rejected my initial notarizations because the attorney did not date his signatures. In the state of XXXX XXXX it is not necessary to do so. This delayed the application of my loan modification, but I went ahead and re-did the paperwork again anyways despite the clerical error on Guaranteed Rate 's end, this time from XXXX. For the duration of my original loan with Guaranteed Rate, the trial period for the loan modification, and the duration of time between when it became applied as replacement for the old loan, I have not missed a single payment. However, I have been recently notified that I am due for one month worth of payment and am delinquent. I have held at least 10 phone calls and messaged directly via email multiple times, and Guaranteed Rate is taking a position that I still owe despite never missing a payment. Their current interpretation is that they applied my payments the way they chose to, instead of in line with the loan stipulations and now I am receiving late fees. The purpose of the loan modification was to roll any debts into the new loan and remain on time with payments. Guaranteed Rate is not holding up their end of the deal by misapplying my payments. I want my loan modification to be re-structured to cover the alleged debts and all contrived fees to be waived.
Product: Credit reporting or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

US DEPT OF ED/XXXX IS ILLEGALLY trying to collect on a time- barred debt by reporting a balance I do not owe on my consumer report. New york has a statute of limitations of 3 yrs to collect on a debt. The alleged debt was opened XX/XX/2017 in NewYork- this account is past the statuue of limitations to collect on.
Product: Credit card

i hate to do this since overall am ex is ok to me in XXXX years XXXX years now threatened in XX/XX/2016 a woman vandalized my home i asked american express hey since i am loyal and i have hardships and big expenses for unfortunate reasons help me out please no interest they said sure. dont worry and i got it back now i will not and can not pay interest in my current state. i would first exhaust other legal protections. since this is a hardship i resent to go thru this. i will not pay it cant but i dont like being lied to and then using the card only to be treated this way with many scripts. yes its valid buit its not right to insist with a loyal customer who only used it based on what i was told. not budging in my postion. cant wont, will not use either card til interst is credited as was promised which is why i used cards period i resent this. i will avail other options if i need to AGAIN no scripts in your answer you think i have interest money i dont? oh its valid no need to respond that way but Customer service dictates i should get what i am told. so you are losing business. period. keep sending letters but will not refund the interest go figure. NO scripts ot sendign the agreement not disputing it disputing being promised XXXX thing after XXXX years of customership. dont have it cant pay it. promised otherwise now not using. it at all
Product: Credit card

Apple card gave me partial credit for the following orders {$240.00} they gave me {$210.00} the whole order was returned to merchant why did i not get a full refund? {$170.00} partial refund given again the whole order was returned to the merchant XXXX XXXX {$180.00} this was never refunded it even says on my statement that the refund was denied.
Product: Debt collection

they debt collector called me after XXXX. When i asked for my acct information such as amount and account number he kept avoiding answering a trying to humiliate me. He kept trying to put words in my mouth and all I was trying to do was get the information so I could work on paying off my debt but he kept refusing to give me the information until i threatened to end the phone call. He finally gave me the acct number but again kept trying to trip me up by putting words in my mouth. He was extremely rude and unhelpful.
Product: Checking or savings account

A month ago I was mailed a check a school district/county I do contract work for. The school district/county 's bank is XXXXXXXX XXXX XXXXXXXX. I have informed delivery through the postal service. The check shown was scanned in another city ( see attached ), but never arrived to my post office box. I tried to be proactive about this but both the post office and school district made me wait XXXX weeks insisting it was just lost. After XXXX weeks ( when I asked for a stop payment ) the school XXXX XXXX found out that the check was fraudulently endorsed and cashed by PNC bank. The perpetrator even had the audacity to sign their own name to back of check ( see attached ). The school district tells me I am the claimant ( they will not reissue me a check ), however I am unable to discuss this with either XXXX XXXX XXXXXXXX or PNC. I filed a report with local sheriff office, but they never get back with me. My own bank, XXXX tells me that I have to be the squeaky wheel, but no one seems to be taking any responsibility for this and I am totally left out of the loop as a victim of a stolen check for almost {$2500.00}. I don't understand why as a victim I can't advocate for myself with the banks or local enforcement. I even filed a report with the US Postal inspector, but they haven't reached out. Could someone PLEASE give me some legal advice? The squeaky wheel approach does not seem to be working. Thanks XXXX XXXX
Product: Credit card or prepaid card

I have been a victim of identity theft and financial fraud. Starting on XX/XX/XXXX, through as recently as XX/XX/XXXX, I have been defrauded of {$19000.00} through my Bank of America XXXX XXXX XXXX account. 

The very first sign of fraudulent activity on my BoA account was an email I received at XXXX pm XXXX, XX/XX/XXXX from BoA, Bank of America XXXX XXXX XXXX- Card Added to Another Account stating, The card ending in XXXX that is associated to your account was recently added to another account I have never added my BoA card added to another account. I was unaware this was even an option. 
I have, since my BoA XXXX XXXX XXXX account was opened in XX/XX/XXXX, had no other accounts with any banking institution. 

XX/XX/XXXX I phoned BoA XXXX XXXX XXXX at XXXX pm XXXX, to ask about the XX/XX/XXXX email and the security of my account. BoA advised me to treat the XX/XX/XXXX email as fraudulent, to forward the email to XXXX, that BoA had not sent me the email I received on XX/XX/XXXX, at XXXX pm PST. I was further advised that my account was secure. 

This constitutes a major error on BoA 's behalf, as the XX/XX/XXXX email was in fact the legitimate result of the XXXX XXXX, someone other than myself, fraudulently accessing my BoA account and adding a fraudulent transfer account ending in XXXX, routing XXXX to my profile, to which they would fraudulently transfer {$3000.00} via a XXXX XXXX XXXX XXXX later that same day, XX/XX/XXXX. This began the subsequent XXXX week run of {$19000.00} in theft from my account. 

This recently uncovered detail, can be confirmed by BoA 's call logs and notes to my account regarding our interactions. 

I currently have an open claim with BoA for the most recent {$8000.00} in theft of my funds. However, I am lawfully due a full refund for everything that has been stolen from my BoA account. Every single transaction relating to the {$19000.00} in question was verifiably fraudulent. I did not authorize, nor was I involved in any of these transactions. 

These new details regarding my very first interaction with BoA regarding this fraud on XX/XX/XXXX, need to be taken into very serious consideration while investigating all of my claims. BoA 's response to my inquiry on XX/XX/XXXX was, at the very least, extremely bad advice. To me and the detective working my case ( XXXX ) with the XXXX XXXX Police Department, XXXX XXXX XXXX Detective XXXX XXXX, what BoA told me on XX/XX/XXXX, sounds more like misinformation, or potentially, fraudulent information.
Product: Credit reporting or other personal consumer reports

I discovered through our mortgage loan back ground check that I had a late payment in XXXX XXXX XXXX that says I was 90 days late on payment. The status of my school loans has always been current and doesn't make any sense why in XXXX XXXX XXXX I was 90 days late when the XXXX month shows current and XXXX as well. My score in XXXX of XXXX  was XXXX and the mortgage lender is suggesting that the XXXX XXXXate payment was added recently. But I have never missed a payment. I contacted XXXX who has the loans and they said to contact XXXX XXXX XXXXXXXX which had my loans before. I never moved to XXXX that was done automatically by the gov.
Product: Mortgage

Pursuant to Federal Rules ( 1002.14 ( a ) ( 1 ) - Equal Credit Opportunity Act - A borrower is entitled to a copy of the property evaluation or BPO in connection with a loss mitigation application. 

Rushmore believes that the Federal Rules does not apply to them. Their representative continue to defy the request and are now in violation of the above mentioned Federal Rule. Rushmore has engaged in Unfair Business Practices and should be sanction. There is no one above the law.
Product: Checking or savings account

Hello XXXX, Thank you for contacting us. 

After reviewing your account, we have determined that it is not eligible for reactivation due to several concerns regarding your activity. We informed you about this decision on XX/XX/year>. Your account has been permanently deactivated and we regret to inform you that we can no longer offer you the Venmo service. We do not make these decisions lightly, and when we do it is to help improve the safety of the Venmo community. 

The funds in your account will be held for up to 180 days for loss prevention purposes. We will contact you at the email address on file with your Venmo account should these funds be available for transfer in the future. 


Please be aware that any future contact or inquiries will not be answered and that this matter will be considered closed upon your receipt of this email. 

Thank you for your understanding. 

Regards, Account Specialist | Venmo This is the email I got after I requested my money be released. Venmo froze my account.
Product: Debt collection

Hello, I am been charge for 2 co payments from XXXX XXXX total {$50.00}, I disputed with them last year because I paid 1 already in the office but looks like they send the case to a collection company Eastern Account System of Connecticut but I did not received a notification in writing or a call from them, they said they did but I did not get messages or letter because I moved from XXXX to XXXX and the amount was disputed but arbitrary they place this account in my credit report without my consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the first time I have encountered identity theft. I have no idea who could have done this to me. As I pulled my report I saw an outrageous amount of accounts under my name are not mine. Please delete these items from my report. XXXX  XXXX {$370.00} XXXX XXXX XXXX {$580.00} XXXX XXXX XXXX {$130.00} XXXX XXXX   XXXX {$440.00} CHAPTER XXXX BANKRUPTCY XXXX {$0.00}
Product: Credit card or prepaid card

On XX/XX/XXXX I paid {$1000.00} to a transport broker to pick up a XXXX XXXX in XXXX Tx and deliver it to XXXX Ca. I have a signed contract for the transport. The transporter could not deliver to the destination we agreed and I was forced to rent a XXXX trailer then drive to XXXX XXXX where I met the transport at a pilot truck stop. The driver said the car was low on the front end. After inspecting the car it was obvious the car had been damaged as it was sitting on the wheels. I asked him how he got the car on the transport and he just said he drove it. I had a friend with me and at XXXX on XX/XX/XXXX we watched the driver damage the vehicle, scrapping the undercariage and tearing off some hydraulic lines. There were puddles of hydraulic fluid under the transport and the car. I asked him what he was going to do about the damage and he said just note it on the bill of lading, which I did. The drive did not have the " origin '' side of the bill of lading filed out and there was nothing written anywhere on it. After I made comments about the damage he wrote some things on my copy however there was no witness signature. I contacted the merchants insurance company XXXX and after their investigation they determined there was {$1900.00} in body damage, no estimate yet on the suspension problem, and {$130.00} reimburse for the XXXX. The adjuster noted she was not sure why they did not deliver to the agreed upon destination in her correspondence to me. Their failure to deliver constitues a breach of contract and I disputed the {$1000.00} charge on my credit car for breach of contact and failure to provide the services i paid for. The credit card company is reviewing for the third time now. The first decision was the merchant had an appropriate authorization code. I told them I was not disputing and code I was disputing the fact they did not provide the services I paid for in addition to damaging my new vehicle. They denied it a second time for documentation. I sent copies of the contract with the merchant stating XXXX CA as the destination as well as XXXX contract, the bill of lading with my comments concerning the damage myself and XXXX XXXX watched the driver do to the vehicle, documents from the XXXX adjuster concerning their liability and she even states in one document she was not sure why the merchant did not deliver the car to the agreed upon destination. Everything was filed timely and with the appropriate departments. The credit card company is in the XXXX and they aren't able to understand what the issue is. The issue is I did not get what I paid for, as well as they damaged the vehicle in transport. They are currently reviewing the case for the third time and I do not think they have the ability to see the legality of the contracts and agreements that were made and broken according to us law. Please help, Thank You