23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

This complaint is a follow up from my complaint submitted yesterday, ( XXXX ) please add the additional details, after leaving a message again for XXXX XXXX ( XXXX ) he called back leaving another message identifying himself as the general manager for a company called Bayside Capitol Services number he called from unrestricted XXXX, I have no idea who this company is or who they work for, they have misrepresented themselves as being XXXX XXXX XXXX to XXXX XXXX XXXX, verbal threats about coming to my place of employment and to make sure my supervisor is on hand to my home, this company has repeatedly harassed me by phone and now using my work phone, I believe this is the same company or group of people that reached out to my ex husband a few months back making statements that I would be arrested and go to jail and I needed to be found. I had someone call the number back yesterday, again this company does not identify themselves when answering the phone, only that they are with the filing department, all of them employed speak a good line and are intimidating, if you did n't know fair debt collection practices you would fall into the trap, Ive been guilty of this myself, this occurred to me XX/XX/XXXX see my previous comments, these people are nasty!!
Product: Debt collection

I visited a branch in IL regarding my XXXX  Citibank account to reconcile the account which was overdrawn by {$19.00}. I was told that the account was closed, then received an email attempting to collect {$52.00} for an account that I was prevented from reconciling due to Citibank 's procedures. This is predatory and discriminatory. As a person with XXXX currently in litigation, this is not what I expected.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize nor consent to the following accounts being furnished on my consumer reports. 
XXXX. XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to dispute an address from my report due to this not even being a existing location here in XXXX, La, they keep reporting it as updated. There s no road here named that, it is a complete misspelling which makes it inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to XXXX and TransUnion on XX/XX/22 to update this suspicious information. I think they have not validated the account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my priorCOMPLAINT # XXXX and XXXX, and I'm including it again. 
XXXX XXXX XXXX : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX - SENT LETTERS TO ALL 3 BUREAUS DISPUTING ACCOUNT INFORMATION AND REQUESTED A FULL INVESTIGATION TO VERIFY POTENTIALLY ERROUNOUS INFORMATION AND DETERMINE IF THE ACCOUNT NEEDED TO BE REMOVED. I ALSO ASKED FOR AN UPDATED CREDIT REPORT AND IF ANYTHING IS VERIFIED I REQUESTED A COPY OF ANY PAPERWORK USED TO MAKE THIS DETERMINATION RESULTS : VERIFIED INFORMATION NO EXPLANATION NO UPDATED REPORT WITH ANY EXPLANATION OR DETAILS ON INVESTIGATION XX/XX/XXXX - SENT A REQUEST FOR A RE INVESTIGATION. STATED THST THE INFORMATION COULDNT POSSIBLY BE VERIFIED BECAUSE THE INFORMATION WAS STILL INACCURATE AND DIFFERENT ACCROSS ALL 3 BUREAUS. 
RESULTS : VERIFIED WITHOUT ANY CHANGES OR EXPLAINATION. 

XX/XX/XXXX ASKED FOR A FULL INVESTIGATIION AND DISPUTED ACCOUNT AGAIN. THIS TIME ASKING FOR FULL DETAILS ON INVESTIGATION RESULTS : NO CHANGES MADE NO INFORMATION PROVIDED XX/XX/XXXX : REQUESTED AN INVESTIGTION AND DISPUTED INFORMATION ON ALL XXXX CREDIT REPORTS RESULTS : NO RESPONSE ALSO I QUALIFIED FOR ACCOUNTD TO BE DISCHARGED. THE AMOUNTS WERE REMOVED NOT THE DERROGATORY INFORMATION. ALL DERROGATORY INFORMATION MUST BE REMOVED IMMEDIATELY OR DELETE ACCOUNTS ALTOGETHER. 

PLEASE REFER TO ATTACHED DOCUMENTS FOR CLARITY
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act 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 a account without my written instructions XXXX XXXX acct # XXXX {$520.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX acct # {$2700.00} ( Original Creditor : XXXX XXXXXXXX ) or XXXX XXXX XXXX acct # XXXX {$800.00} XXXX XXXX XXXX ACCT # XXXX {$330.00}
Product: Credit card or prepaid card

Hi, On XX/XX/2020, I received an email from XXXX XXXX that they are terminating my frequent flyer account XXXX which has a balance of XXXX miles. I filed a DOT complaint regarding this issue. On XX/XX/2020, I received a respond from XXXX XXXX stating they are closing my account because they accused me of receiving the XXXX XXXX miles due to exploitative practice. This is not true. I received the majority of my XXXX XXXX miles from the spending and bonuses of several citi Aadvantage credit cards which I applied using my name and my social security number. There's no misrepresentation on my part for this credit card application. I want Citi to confirm these applications and bonus miles awarded to me is valid and not exploitative practice. 

Best Regards XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Experian for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Experian consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation, This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. $ 1681i, which mandates a reasonable investigation of disputes. Furthermore, Experians actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. S {$5500.00} ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Experian complies with federal law and provides consumers with the necessary proof of investigation. These are the accounts I've marked as inaccurate. 

To update my personal information on file as I kept disputing my social ends in XXXX not XXXX and things that are tied to it is popping up on my report as I kept stating to them I'm a victim of identity theft And to remove the all names only have my original name on file XXXX  XXXX ( use of a different social notified them of identity theft sent in paperwork still reports it on my file even shows the social that was used reported to be mine when that's not my social ) XXXX XXXX XXXX  ( account paid and closed won't remove negative mark after the company even notified them to remove it as well ) XXXX XXXX XXXX ( not mine ) XXXX  and XXXX  XXXX not my account victim of identity theft it's even stated on my credit file XXXX XXXX ( no acknowledgment victim of identity theft )
Product: Credit reporting or other personal consumer reports

Recently i lookd at a copy of my credit report and noticed several inaccuracies on my account. 
this account is hurting my ability to obtain credit it is my understanding that you will investigate these items for me to ensure accuracy here is the item i am asking you to verify as accurate DEPT OF ED/XXXX  Balance {$1100.00} Balance updated XXXX XXXX, XXXX  DEPT OF ED/XXXX  Balance {$810.00} Balance updated XXXX XXXX, XXXX  DEPT OF ED/XXXX Balance {$1200.00} Balance updated XXXX XXXX, XXXX  DEPT OF ED/XXXX Balance {$2300.00} Balance updated XXXX XXXX, XXXX I have every right by law to eliminate these accounts from my credit that affect without reason, I believe that these companies have incorrect information that I would like to remove from my credit report.
Product: Credit reporting 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 U.S.C 1681 HUNTER WARFIELD INC, XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX credit report .15 U.S.C 1681 section 602 A state I have the right to privacy. 15 U.S.C 1681 section 604 section 2 it also states a consumer reporting angency can not furnish a account without my writing instructions 15 U.S.C 1681 ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer reports containing any of following items of information any other adverse items of information, other than records of convictions of crime which antedate the report by more than seven years. 15 U.S.C 1681 -2 ( A ) ( 1 ) a person shall not finish any information relating to a consumer reporting agency if the person knows or has reasonable
Product: Money transfer, virtual currency, or money service

It seems that even the support staff can not help or undo it's characteristics to retrieve money that was on automation from one entity to another. XXXX has sent the proof ( via statement ) that my money ( {$170.00} ) was sent into XXXX XXXX XXXX XXXX Account ( aka Branch account ). I have since sent a copy of the statement to Branchs support group to verify in their system. They say the account is deactivated and sent me a false statement. 

The account was supposed to have been deactivated by XXXX, Resolution Specialist of Branch Support on XX/XX/year> Then on Wed, XX/XX/year>, XXXX XXXX Support sent me an email : Hi XXXX XXXX Thank you for reaching out. I'm XXXX from XXXX XXXX, and I'm here to assist you. 

We understand the confusion and trouble caused regarding your earnings. It's crucial for you to receive the correct amount for your work. After reviewing your account, I noticed that you're using auto payout to receive your earnings in XXXX XXXX XXXX after each trip. 

Auto payouts are automatically enabled when you activate your XXXX XXXX XXXX. You can turn this feature off or back on at any time in the XXXX XXXX by following these steps : Tap on the Wallet tab Tap on Payment Methods Select XXXX XXXX XXXX For any questions or concerns, please contact our support team via this link. 

We appreciate your understanding and patience in this regard. Thank you for choosing XXXX. 

Thank you for choosing XXXX. 

Unfortunately, I could not get back into XXXX XXXX XXXX ' account ( aka Branch account ) because it was deactivated. So Branch must make it right because it is in their system of operation. So please return my money ( {$170.00} ).
Product: Mortgage

We have attempted to get a permanent loan modification from Green Tree Servicing for our XXXX mortgage and they have denied us several times, even though we have been on a temporary loan modification for the past several years. They are using an excuse that our loan was originally through XXXX XXXX XXXX XXXX Trust XXXX and XXXX 's the one that denied our loan modification even though all of our payments have been made out to Green Tree and Green Tree is part of the " Making Home Affordable '' program to help people. I tried to contact XXXX but they are out of business. Almost all paperwork since we got the loan has gone through Green Tree. We even went through a government agency to help us with the process and were denied again. We do n't feel this agency knew what they were doing either but that is a whole different story. In XX/XX/XXXX we applied for a modification again and sent over all the paperwork, which is long and involved process. We did not hear back from them until I contacted them in XX/XX/XXXX and they said I have to send over the paperwork again because our pay stubs are outdated now. When I originally sent over all the paperwork everything was current but now they are saying we have to send it again for the 4th time this year! They raised our interest rate to 11.99 % from our previous modification that was at 4 %. Our payment has almost doubled and we can not afford it. We were granted this loan during the time when the banks were over extending people on their houses and we got taken in by this. We have XXXX mortgages on this house and the value of our house is not worth what the XXXX mortgage balance is, let alone what we owe on the XXXX mortgage. Green Tree Servicing people are rude and uncaring. We have made the same payment every month that we have for the last 3 years but since Green Tree raised our interest rate they are now harassing us saying we are late on payments. When I called in to try and work with them regarding them raising our interest rate I told the rep that I can not afford my payment to go up and he yelled at me and said I can afford it, I just choose not to pay it! I have never been spoken to like that by any other company I have dealt with. I feel like they have our loan information incorrect. We have gotten correspondence that contradicts what they tell us on previous correspondence. They send me letters with my account rep 's first name and extension listed but when you call they to speak to them directly you can not dial an extension and the rude people that answer the phone wo n't put you through to your account rep. One time I called and they told me my rep moved departments but then I found out from another person that the rep does n't work for them anymore. Then a month later I received a collection letter with that same rep 's name and extension. Obviously Green Tree is not correct with our information and our loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to my research about FCRA 605, credit bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that CREDIT BUREAUS must remove are listed below : XXXX XXXX XXXX XXXX, VA XXXX ; XXXXXXXX XXXX XXXXXXXX XXXX XXXX, NJ XXXX ; XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX, XXXX ( XXXX creditor XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1400.00} ; XXXX XX/XX/2022.
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data on my credit file that came about because of a FRAUD yet I have an Accounts passed on that should be taken out or remove. Per FCRA segment 605 you are expected to eliminate any records recorded on an XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. XXXX XXXX XXXX XXXX
Product: Debt collection

I got a collections notice to my XXXX XXXX  and XXXX apps today from XXXX XXXX. I have never heard of the card or account that I am disputing. I never applied for this card. It never even showed up on any of my credit reports until today when it showed up as a collections account.
Product: Credit reporting or other personal consumer reports

I recently checked my credit report and i notice there is unauthorized credit inquiries made by the companies listed I never authorized and for no legitimate business purposes. This constitutes a violation of my rights under the fair credit reporting act 604 as well as violation of my rights to privacy.
Product: Credit reporting or other personal consumer reports

No XXXX XXXX I went into my bank XXXX  and requested a H.E.L.O.C. Filled out the application and submitted it to XXXX XXXX XXXX for an approval of my loan. I did not believe that it would be a problem, because I knew that my score was XXXX from trans Union credit agency, reported my score to XXXX XXXX as XXXX. 
I knew that it had to be a mistake, so I had XXXX  submit my application a second time on XXXX XXXX where it came back a second time as XXXX from the same company Trans Union . After speaking to my bank. I called Trans union on XX/XX/year> and spoke to and employee by the name of XXXX. Who instructed me. To speak to my bank again. So, I am writing this complaint to resolve this. This has caused me great stress and money because I was unable to acquire the loan. I have enclosed the documents from my bank and Trans Unions. I would like to take legal action against the company that is responsible for my damages.
Product: Credit card or prepaid card

Dear Sir or Ma'am, This is in regards to a Phishing scam conducted by Chase Sapphire Preferred team. On Friday, XX/XX/XXXX, I called Chase Sapphire Preferred customer service@XXXX. They refused to help address questions I had about a recent purchases, billing, reverse charges, etc - until I " authenticated myself ''. Pretty standard practices on the surface? However, the questions they are asking, are not personal to me ( mother 's maiden name, city you grew up in, etc ). Instead, they use their mobile app to access your phone contacts. Then their " qualifying questions '' become as follows : Chase : " Do you know anyone named 'XXXX XXXX? '' Me : " Yes, I know two XXXX 's, why do you ask. '' Chase : " Can you tell me her birth date please? '' Me : " No, I don't know it. '' ( I lied ). 
Chase : " Do you know anyone named 'XXXX  XXXX? '' Me : " Yes, of course, but I'm not giving PII ( Personal Identification Information ) to you for any of my friends or family. '' You should note that this rep was of XXXX descent. So they have people in foreign countries using our mobile app, to phish for PII on American citizens. This is how we end up having a major data breach with millions of consumers being affected and identities being stolen. While I was being passed to a 3rd person ( a supervisor ), to complain about their tactics, I also drove a block away to a Chase bank, I put their rep on speaker to allow the branch manager listen to what I was being told over the phone. He asked : Chase Manager : " Did you call us, or did we call you? '' Me : " I called you, to get assistance with my card. '' Chase Manager : " Then it's not phishing, because you called us ''. 
Me : " Other people 's PII has nothing to do with authenticating 'ME '. If you're asking questions about other people, you are identifying THEM, not me. '' Chase Manager : " All companies do this ''. 

Conclusion : When we add a contact into our phones, it often includes first|last name , street address, email address, etc. Now, Chase is allowing their offshore people to access that data, and then ask additional PII ( DOB ) that could allow them access to hijacking their identities. And, they refuse to help me until I give in. I had to speak to 3 people, then had to hang up and walk out of the bank, because I wouldn't give in. I still didn't get my questions answered. 

Respectfully,
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out that you are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the Inaccurate information, inquiries and accounts that needs to be removed in my file : XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXXXXXX XXXX XXXXBalance : {$520.00} ; XXXX XXXX XXXX Balance XXXX {$600.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$3700.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XXXX. XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Product: Checking or savings account

On XX/XX/1989 I purchased two CD 's from XXXX  XXXX and put them in a safe deposit box and forgot about them. When I closed out the box and found them recently I discovered that XXXX XXXX XXXX doesn't exist any more. I called the FDIC and they told me to contact the NYS Comptroller office of unclaimed funds and ask them to see if they have the accounts ( Reference XXXX ). On XXXX XXXX they sent me a letter that stated that their research has found no unclaimed money in my name. 
I contacted the FDIC again and they informed me that XXXX XXXXXXXX merged with XXXX XXXX  and is now known as JP Morgan Chase Bank. I therefore want to file a claim against JP Morgan Chase Bank so that I can cash my CDs and reclaim my money. 
Anything you can do to assist me would be most appreciated. CDs  correspondence and any other information you may need is available upon request.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE FIRST PROBLEMATIC ACCOUNT IS 1 ) GUARANTEED RATE/XXXX  ( XXXX ) XXXX XXXX # XXXX OR GUARANTEED RATE INC. ( XXXX XXXX/ XXXX # XXXX AMOUNT {$0.00}. THIS ACCOUNT IS INACCURATE AT THIS POINT ITS FRAUD, THEY REPORTED AN ACCOUNT AS BEING LATE WHEN IT WAS WITH A WHOLE DIFFERENT COMPANY. NO FEEDBACK WAS NEVER GIVEN BECAUSE THEY WRONGFULLY REPORTED LATES TO MY ACCOUNT ( ACCOUNT WAS IN DEFERMENT/FORBEARANCE ). XXXX AND XXXX NEED TO REMOVE FROM MY FILE IMMEDIATELY. THE NEXT ACCOUNT IS 2 ) XXXXXXXX # XXXX AMOUNT {$3400.00}. THIS ACCOUNT WAS REMOVED FROM MY FILE AND REPLACED ON THERE ( I BELIEVE TWICE ). ITS ONLY ON XXXX. I'VE SENT IN A COPY OF AN OLD XXXX LETTER STATING IT WAS REMOVED YEARS AGO. BOTH ACCOUNTS NEED TO BE REMOVED FROM XXXX AND XXXX IMMEDIATELY. I'M GON NA FILE A CIVIL LAWSUIT AGAINST ALL 4 COMPANIES IF THESE ACCOUNTS CONTINTE TO LINGER FRAUDULENTLY ON MY FILES.
Product: Mortgage

I am a third party authorization for my client that has a mortgage with Shell Point as servicer. They have been very difficult and today they have countered my client {$670000.00} when their payoff including late fees and penalty is {$630000.00}. I have an offer into them at {$630000.00} which nets Shell Point {$600000.00}. They proceeded to foreclose months ago at {$590000.00}. The second with XXXX XXXX is waiting for first lien approval for them to approve {$3000.00}. Shell Point wo n't consider any other offer but {$670000.00}. They told me today they will not go back to the investor for anything less than {$670000.00}. I think they do n't know what they are doing and need help explaining to them anything over the XXXX lien goes to the XXXX lien. Shell Point has a credit balance in the escrow account for taxes and insurance. The investor is XXXX XXXX XXXX and I am sure they would rather be paid than be foreclosed on. There are lots of complaints about Shell Point. I need you to explain the legal process to them to close this contract.