23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

In XX/XX/ I was trying to pay for groceries, but Chase Bank put my account on hold without letting me know what happened. I called Chase and they said I filed 7 claims ranging of amount of money. I informed Chase I did not file any claim or even called them. Never had to file a claim. I asked Chase how did someone file a claim when I never was notified either by text or call? I asked them did they ask " personal questions '' file a claim and they could not answer that question. I was not able to access my money for almost a month due to Chase have to do an investigation. I could not get any money to get to work, renew my license for work or even go to my appointments. I had to borrow money from coworkers so I was able to go to work. I almost lost my job. Now Chase said I owe them almost XXXX How do I owe them money when they never verified if that was me who called. I even do not even knew I can file a claim so how can that be me. Since my account was compromised my account was on hold. I took my money out of Chase and went to another bank. I have been with Chase for over 15 years and now they keep calling me to ask when can I pay my debt? Can I sue Chase for compromised account and them allowing someone filing a claim without my permission?
Product: Consumer Loan

Three years ago I got a loan through Santander because I did n't have any other choice. The loan 's interest rate is 22 % which should be illegal. I 've paid on time and the payments I 've made have barely made a dent in my loan agreement with them. I 've tried to get refinanced but the vehicle is a 2006 so no other lender will entertain touching it. I 've done the right thing by diligently rebuilding my credit but to what avail. Santander is a company that lacks integrity and should not be in business. I 'm sure there are XXXX of XXXX of individuals in the same boat as myself. This is n't right! So yeah I think a lawsuit should be bought against Santander and any other company that charges ridiculous interest rates. I also want to warn others that sometimes it 's better to not purchase a vehicle especially if you are going to get screwed over by vile sub prime lenders that are allowed to prey on the misfortunate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  XXXX ) XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXX, and XXXX XXXX XXXX, XXXX ( Original Creditor XXXX XXXX XXXX XXXX ) XXXX have violated my rights. 

15 U.S.C. 1681 Section 602 A States I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers XXXXThis was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX  now.
Product: Credit card

I made a purchase on a website called XXXX using my Capital One Credit card with numbers ending XXXX. The purchase was made on XX/XX/year> and the amount was approximately {$4.00}. ( The exact amount of purchase was XXXX but the charge was converted to XXXX dollars ). 

The glass cup purchased cracked on first use and seller offered a refund but the refund did not come through. Capital One Credit card does not have a way to open a dispute online and we can not call the XXXX number because we are out of the country.
Product: Debt collection

This company that I never made any business or sign any contract or know have been trething me calling over and over any time of the day or night. They have said they will take everything that I have and will report to ICE.
Product: Checking or savings account

So after already filling a complaint against this company and it being resolved, one of the banks local Branches decided I didnt deserve to have any money at the institution and cleared my savings account and denied me access to it leaving me XXXX and taking like {$100.00} this is so irritating especially from an institution that claims to support veterans. Im now searching for an attorney and Im very unhappy.
Product: Mortgage

I had my house foreclosed by Pennymac back in XXXX. First this was a premature and WRONGFUL FORECLOSURE, however bank did not give me a chance to pay back or negotiate any repayment plan. Second my first date of default was on XXXX of XXXX and now it has been more than 7 years and account SHOULD NOT be reporting on my credit, however pennymac is still reporting it. My numerour attempts to contact them to resolve this issue went ignored .... 
PENNYMAC LOAN SERVICES L Account number XXXX .... 
Recent balance {$0.00} as of XXXX/XXXX/XXXX Date opened XXXX Status Foreclosed. 
+ Dispute XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Address identification number XXXX Type Mortgage Terms 30 Years On record until XXXX XXXX Credit limit or original amount {$940000.00} High balance $ 0 Monthly payment {$0.00} Recent payment amount {$0.00} Date of status XXXX First reported XXXX Responsibility Individual Comment Account information disputed by consumer ( Meets requirement of the Fair Credit Reporting Act ). 
Reinvestigation information This item was updated from our processing of your dispute in XXXX XXXX. 
Account history XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Payment history guide
Product: Checking or savings account

As a retail Chase customer, Ive had to bear the brunt of their recent policy decision to abandon email for account verification. Chase has chosen to ignore safe emails in favor of the dubious use of a phone for verification. Chase is apparently unaware that cell phone numbers are often fraudulently controlled by criminals, by means of spoofing, SIM swapping and gaining control over customer phone accounts. Chase is effectively encouraging increased fraud. In addition, not all persons have access to reliable phone service. There is no phone service where I live since there are no longer enough cell towers. Bad service affects not only rural locations, but increasingly urban ones too. By restricting customers to those with reliable phone service, Chase is discriminating. 
Based on data from XXXX XXXX, 82 % of XXXX Americans own a smartphone. Slightly less for XXXX and XXXX Americans. When further broken down by education, income, and location, there are larger disparities. For example, only 72 % of XXXX XXXX XXXX and only 71 % of XXXX XXXX have a smartphone. According to XXXX, only 74 % of people over XXXX own a smartphone. A phone or texting-based customer relationship cuts out at least a fifth of Americans ( XXXX XXXX ), and categorized by some groups, about a quarter ( XXXX XXXX Americans ). Chase shareholders, beware that you have an economic interest in a major US bank operating in all 50 states that uses its verification policy to discriminate based on race, age, and location of residence. 
Legislators and regulators need to heavily regulate Chase to prevent such harmful conduct. Its mindboggling in this day and age, but Chase is obviously managed by XXXX XXXX XXXX under the dual premise of high risk-taking combined with heavy discrimination. Unacceptable to customers and investors, and hopefully to employees.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, XX/XX/2023, and XX/XX/2023. 

I reviewed my credit reports, and noticed quite a few inaccuracies. I sent out dispute letters to all 3 credit bureaus, advising of the negative, inaccurate items. I have not received any responses to my request, nor have the bureaus removed the inaccurate items. It is well past the 30 days according to the FCRA that is the amount of time they have to provide a response. Clearly this is a violation.
Product: Mortgage

Our escrow check was mailed to another client with a mortgage from Chase and cashed via mobile banking from a XXXXXXXX XXXX in a different state ( XXXX PA ), check # XXXX in the amount of {$5600.00} cashed on XX/XX/XXXX with a routing # XXXX.We received someone else 's escrow check that we immediately returned to Chase as the name on the check was not ours. We then never received our check. We have spoken to XXXX XXXX, XXXX XXXX, XXXX XXXX to name a few. We have been sent numerous times to call centers in XXXX and other countries only to have to begin the escalations again and continually get transferred. Chase lost or claimed to not be able to read our first documents that were sent in XXXX that sent 3 ways : via email, fax, and snail mail. Escalations began on XX/XX/XXXX when we realized that our excess escrow money was NOT rolled into reducing our mortgage payments. I was sent a copy of the fraudulent check from Chase who tried to claim no fault. Same thing from XXXX. There are two names on our check and both banks have our signatures on file and we always made to both sign as we have separate checking accounts- whomever mobile deposited this check did so with one scribble and a click of their phone. 
We have filed multiple forms, multiple times, met with XXXX reps, had a minimum of over XXXX calls in over 6 months totaling 80 + hours of our time trying to get our check reissued and have someone take responsibility. These banks have insurance to cover this and it has gone way beyond the time frame allowed for resolution. We have gone to XXXX ( who allowed this to be cashed ) and still no one is taking responsibility. We have been to fraud, to escalations ( chase escalations # XXXX ) to our mortgage lender to a law office. We are extremely frustrated with how we are being placated with " we are working on it '' and no one is trying to make good on their error. We have done nothing wrong except to uncover the fraud and attempt to get our escrow check.
Product: Vehicle loan or lease

In XX/XX/2018, my husband and I submitted the final pay off balance on our auto loan during business hours online on the exact same day late charges and additional interest fees WOULD HAVE BEEN CHARGED had the payment NOT been credited by midnight the same day. Our payment posted and was credited to the account the same day BEFORE midnight. The late charge and additional interest was also adjusted. 

Our issue is the company website forced us to submit a final payment that included the additional charges, but when our payment was submitted timely ( and charges adjusted ), it never refunded the additional money it collected back to us. 

We contacted the company in early XXXX to find out when we should expect the refund, and the company denied owing us anything. After further conversation, we were transferred to another department that indicated that a claim would be initiated, we would be assigned a representative ( who was suppose to contact us within 48 hours ),  and the account would be audited. It is now almost XXXX and we have heard from no one as of yet. So much for 48 hours.
Product: Debt collection

Dfs legal service called XXXX family members discussing my personal business with them, scaring them into thinking I was going to jail.
Product: Credit card or prepaid card

I paid {$330.00} to Apple / Goldman Sachs, to then complete my online purchase, and my account balance immediately reflected the payment, from {$2000.00} down to {$1700.00}. So then I tried my payment again. It was declined. I called Goldman Sachs customer support, and they said I'd have to wait XXXX DAYS until the payment was applied. I asked to speak to a manager, XXXX. She said there was nothing she could do. Goldman Sachs needs to fix it's broken systems and give me the credit to use on my account immediately when I make payments!!!
Product: Checking or savings account

Capital One lured me to open a checking account and promised a {$250.00} bonus. They did not disclose that it would count as interest income. In my XX/XX/year> bank statement, it did not show as interest income -- just as a bonus. However, in my XXXX XXXX099-INT the {$250.00} showed as interest income and I had to pay taxes on it.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023, I received verification from the XXXX investigation that the accounts mentioned below were reporting accurately. I have attached all documents and circled the inaccuracies. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Checking or savings account

My account was in the positivevone day and wells fargor showed no pending transactions then it was over drawn by close to XXXX
Product: Credit reporting or other personal consumer reports

I have filed a formal complaint to the CFPB. Complaint Number XXXX I wrote a letter to request that XXXX XXXX XXXX cease and desist from sharing my nonpublic personal information with non-affiliated third parties and consumer reporting agencies, as per my rights under 15 U.S.C 6802.

According to the provisions outlined in the Gramm-Leach-Bliley Act ( GLBA ), I have the right to opt-out of having my nonpublic personal information disclosed to non-affiliated third parties and consumer reporting agencies. 
I hereby exercise my right to opt-out of any such sharing of my nonpublic personal information. Please ensure that my information is not disclosed to any non-affiliated third parties or consumer reporting agencies from the date of receipt of this letter and going forward. 
Furthermore, I request that you confirm in writing within thirty ( 30 ) days of receiving this letter that my opt-out request has been processed and that my nonpublic personal information will no longer be shared as described above.

Please acknowledge receipt of this letter and provide confirmation of compliance with my opt-out request at your earliest convenience. You may send the confirmation to the address provided above.

Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/ 2020, a fraudulent hard inquire was made to my XXXX credit record by Synchrony Bank Syncb/Lowes, XXXX, FL XXXX, XXXX. I received an alert by a credit monitory company and called the lender, who cancelled the application. My quick action helped the lender avoid losses, but I am now the only one at a loss because the fraudulent inquire remains in my credit record. Synchrony Bank Syncb/Lowes refuses to issue an inquire deletion letter that XXXX unreasonably demands. 

In short, both the lender and XXXX refuse to remove it despite my several requests by phone and their positive knowledge that the inquire is fraudulent.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts and inquiries are not mine they was made without my permission, or consent, inquiries, XXXXXXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX Reported XX/XX/XXXX, XXXX XXXX Reported XX/XX/XXXX, WELLS FARGO FINANCIA XX/XX/XXXX, XXXX XXXX Reported XX/XX/XXXX, All the above accounts and inquiry is and are fraudulent and according to The Court FCRA these accounts violated my rights in many ways these accounts is pass the statutory limit what the law required under statute 15 USC 1681 B, 15 USC 1681u 1681 section 602 Alpha which states I have a right to privacy, 15 USC 1681 604 Alpha Section 2 which states a consumer reporting agency can not furnish a account without my written instructions or consent, 15 USC 1666 Bravo which states a creditor may not treat a payment on a consumer credit card plan as a late payment for any reason the inquieres must be removed immediately thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

FOR XXXX XXXX AND XXXX XXXX WE DEMAND KEYBANK AND THE CREDIT BUREAUS REMOVE THE DERAGORY ACCOUNT STATUS ON XXXX XXXX AND XXXX  AND THE REPO COMMENTS WHICH ARE BOTH INACCURATELY REPORTING. 

LOAN PURCHASED XX/XX/XXXX. WE ALWAYS PAID ON OUR MONTHLY FEES ON TIME. 

PAYMENTS WERE ALL MADE VIA A INTERNET PROGRAM FOR KEY BANK. 

PAYMENTS THAT ARE MADE TO KEY BANK WOULD TAKE OVER 2 WEEKS TO POST FOR SOME REASON. WE HAVE NO IDEA WHY. IT WAS A KEY BANK PAYMENT PROCESSING ISSUE THAT CAUSED THESE DELAYS. 

THIS MISREPORTED DATA HAS CAUSED US TO GET DECLINED FOR A HOME LOAN AND FOR THE LOAN WE WERE APPROVED FOR IT CAUSED US TO PAY HIGHER FEES/COSTS. WE ARE WORKING ON ASSESSING THESE DAMAGES AND ARE CONSIDERING FILING A LAWSUIT TO RECOVER ALL OF OUR COSTS DUE TO THIS NEGATIVE CREDIT REPORTING IMPACTING OUR CREDIT HEALTH AND SCORES. 

SCENARIO- LATE XX/XX/XXXX I RECEIVED A NOTICE THAT OUR BOAT HAD BEEN REPOSSESSED. I CALLED AND ASKED WHAT THEY WERE DOING AND THAT PAYMENTS WE ALWAYS MADE ONLINE BEFORE THE DUE DATE. 

SO WE WENT OVER TO XXXX, AZ PAID THAT MONTH 'S PAYMENT AGAIN ( WE DOUBLE PAID THAT MONTH ) AND PICKED UP THE BOAT. WE WE WENT OVER TO THE TOWING COMPANY TO PICK UP OUR BELONGINGS IN OUR BOAT AND THAT WERE IN OUR BOAT AND WE SAW THAT ALL OF OUR BELONGINGS WERE STOLEN! 

SO WHEN I GOT BACK HOME WE CALLED KEY BANK AND TOLD THEM NOT ONLY DID THEY REPO OUR BOAT THAT WAS NEVER PAID LATE BUT, THAT OUR BELONGINGS WERE STOLEN. THEY TOLD US THEIR TOWING COMPANY HAD TAKEN OUR BOAT EQUIPMENT AND THAT THEY DID NOT AUTHORIZE IT AND THEY WROTE US A CHECK TO COVER OUR REPLACEMENT COSTS FOR ALL OF THE ITEMS THAT WERE TAKEN. 

SO RECENTLY I WROTE THEM A LETTER ASKING THEM TO REMOVE 2 LATES THAT WERE WRONGFULLY REPORTED AND TO TAKE OFF THE REPOSSESSED/REEMEMED DEROG COMMENTS. THEY TOOK OFF THE 2 LATES HOWEVER, THEY FAILED TO REMOVE THE STATUS AND COMMENT ERRORS.
Product: Debt collection

XXXX ( Account Resolution Service ) has not shown or validated that I owe this bill or verified I owe this debt with a written signature. The company has only provided date of service on XX/XX/2020 with an outstanding bill of { {$440.00} }. This is not adequate proof that I owe this bill. Therefore I do not owe.
Product: Bank account or service

Our law firm leased XXXX safe deposit boxes, going back, according to bank records, to 1997. The bank has mismanaged our account records, so that now they do not recognize any of the partners as authorized for safe deposit box access.
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 USC 1681.

XXXXXXXX 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. 1681s-2 ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card or prepaid card

The magnetic strip was not working on my Targ et Red Card so I  ordered a new card. I never received the new card. Someone intercepted the new card, activated it online and used it to purchase electronics. On  XXXX   XXXX ,  2017  I was notified of the series of fraudulent charges. I immediately disputed these charges. I contacted an attorney who sent in an ID Theft Affidavit, Police Report and supporting documents. We are also working on getting the surveillance tapes from Target. Target denied my ID Theft claim based on the wrong information that the card used to buy these electronics was in my possession. The card used to purchase the fraudulent items was the replacement card that I never received. I have had a very difficult time trying to work this out with Target.     I hope your agency can help communicate the correct facts and get this resolved. I have made the minimum payments on this account, so my credit is not ruined.
Product: Mortgage

I WAS GOING THRU AN INPROPERLY FILED FORECLOSURE PROCEEDINGS. I HAVE SINCE VALIDATED THAT MY MORTGAGE WENT THROUGH A LOAN MODIFICATION AND THE STATUS OF MY ACCOUNT IS ACTIVE AND UP TO DATE. THEY HAVE NOT REPORTED THE PROPER STATUS TO THE CREDIT BUREAUS. MY PHH MORTGAGE AND PROCESSED THROUGH XXXX. THE ATTACHED DOCUMENTS SHOW THAT THE COURT RECORDS ON FORECLOSURE IS CLOSED. DOCUMENTS SHOW PAYMENTS ARE SET UP. NO LONGER BEHIND ON THE ACCOUNT