23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

On XXXX XXXX, 2015, I received my credit card statement for my Southwest Airline account issued through Chase Bank towards the end of XXXX I called to dispute several transactions which started with an XXXX charge that I did not authorize. I also disputed several cash ATM withdrawals. I paid the remaining authorized charges in full. I did not receive any other statements after the dispute was filed and I assumed it was because the balance was paid in full. Towards the end of XXXX I received a call from Chase Bank to inform me that the charges for the unauthorized claims were going to be rebilled to my account. I asked the representative why they were not honoring the claim and she informed me that because I had set up a PIN for the account from my phone number registered to the account and because the card was still in my possession that I was liable for the charges. I then informed the rep that I never disputed setting up the PIN ; however, I did not authorize the charges. She then asked me, " Well then who did? ". I informed her that I did not know. On XXXX/XXXX/2015, I received a letter stating that my claim was denied because I received benefit from the transactions. I immediately called for an explanation and was sent to voicemail. The next day I received a call back and the rep told me that I could dispute their determination by emailing their supervisor. I did previously inform Chase that the only time someone may have had access to my card is when I had an altercation and my purse was left unattended. When I returned to retrieve my purse I found it on the floor with all its belongings scattered. I had a substantial amount of cash missing in which I filed a police report. I also informed Chase that the incident may or may not be related to the fraud on my account. They asked for a copy of the police report saying that I had to prove to them that I did not authorize the transacations. I sent a copy of the police report along with dispute of their determination. I received a call again saying they declined my claim because they said the police report was filed prior to me filing a claim. 

Additionally, when I received the first determination letter their was no information saying that I had a right to request documentation that was used to make their determination. I asked the rep if I had a right to dispute further why was n't that infomation included with the letter and she stated she did not know. 
Also, in the midst of all of this I received a call saying my credit card payment was past due. I informed them that I had not received a statement since XXXX. I had moved since the start of this claim and when they read me the address they had on file I discovered that they had incorrectly changed my address to XXXX XXXX instead of XXXX XXXX. I requested all statements from XXXX to current and found that they rebilled my account in XXXX which had a payment due date of XXXX XXXX. The letter they sent declining my original claim was dated XXXX XXXX. I since have occured late fees and additional interest charges. 
I beleive that my consumer rights under Regulation Z have been violated under various sections.
Product: Debt collection

There original debt was showing {$520.00} and the debt collector has changed the amount which is inaccurate to over a {$1000.00} with no communication.
Product: Credit reporting or other personal consumer reports

Despite numerous written requests, the unverified accounts listed below are still appearing on my credit report, which is a clear violation of federal law. TransUnion Credit Bureau has failed to comply with the Fair Credit Reporting Act, 15 U.S. Code 1681i, within the legally mandated timeframe. Their continued reporting of unconfirmed information, despite my efforts to address it directly with the creditor, amounts to willful negligence and non-compliance with federal statutes. I demand the immediate and complete removal of the following accounts from my credit reports.XXXX XXXXXXXX, XXXX XXXX and XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX and XXXX XXXX.
Product: Checking or savings account

On XX/XX/XXXX I received a text from XXXX saying Bank of America XXXX XXXX : Did You Attempt {$360.00} At XXXX # XXXX? Reply YES OR NO. Case XXXX To Opt Out Reply STOP. I responded No. 

I received a call from XXXX and spoke with XXXX XXXX. I asked for his ID number ( XXXX ). He sent the following text Bank of America : To cancel online username and password send Username/Password/Cancel. I responded with my XXXX He texted this number in a hyperlink : XXXX. I didnt click on this link. XXXX not sure what the number was for. 

I got disconnected once and the called back XXXX. 

He told me someone from XXXX GA was trying to take {$3000.00} out of my account. He told me the safest place to put the money was XXXX because I wasnt sending it to anybody. He sent me a code and to tell him the code I received. That was a confirmation code and I saw {$2000.00} go to XXXX XXXX. I said I thought it wasnt going to anyone and he said That is my supervisor and it will will show back up in your account in XXXX minutes. They then transferred the rest of my balance from my savings account into my checking account. Then they did a second XXXX transfer of {$1000.00}. They asked for the second XXXX code, which I gave. 

We hung up and I was concerned about what just happened. I had questioned him throughout our conversation and was offered reassurance. I asked my XXXX what area code was XXXX and was told Hawaii. I immediately called Bank of America XXXX and reported the incident. They closed the account and stopped them from taking out {$800.00} more. They tried twice and both were rejected. 

I received a notice from Bank of America saying they were not going to refund the {$3000.00}, but the case was still open as they were attempting to get the funds back from another bank. I have attached XXXX letters from Bank of America. 

I have tried to call XXXX at XXXX. I got the following message : Thank tor calling XXXX support. If you are having a problem with XXXX, call your bank. 
I was not given an opportunity to speak with a XXXX representative. 

I have saved the text messages and notes I took. Your help with this matter is much appreciated. I am retired, living on social security and this has greatly impacted my financial stability. Thanks again for you help. 

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

SINCE 2019 I HAVE BEEN SENDING PRIVATE NOTICES LETTER TO THE CREDITS AGENCIES, UNFORTUNALLY THEY HAVE NOT ANSWERED WHAT I HAVE REQUIRED FROM THEM AND HAVE CONTINUED COMMITTING FRAUD WITHOUT DEMONSTRATING WHAT IS REQUESTED, NO PROOF OF DEBT, PLEASE SEE ATTACHED LETTERS SEND AND CONFIRM BY GENERAL POST OFFICE BY  FORM XXXX FOR THE MOST RECENTLY LETTERS. THIS ERROR MUST BE REMOVED, DELETED FROM CREDIT REPORT IMMEDIATLEY, OR I HAVE TO FILED FOR DAMAGES
Product: Credit reporting or other personal consumer reports

Complainant : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, XXXX, Florida, XXXX Nature of Complaint : Potential Identity Theft and Fraudulent Mortgage Activity I am the sole owner of the property located at XXXX XXXX XXXX XXXX XXXX, XXXX, Florida, XXXX. This property is free of any mortgage or other encumbrances.

I have recently received multiple mail items purporting to be from Rocket Mortgage or related third parties. These items suggest that unknown individuals are attempting to acquire a mortgage for my property. ( Please see attached PDF binder for images of the mail items. ) The individuals named in the mail items are unknown to me and have never resided at my property. I believe I may be a victim of identity theft and that fraudulent mortgage activity is being attempted on my property. 

I request that Rocket Mortgage and its affiliated or related third parties immediately cease and desist all actions relating to this property. I also request an investigation into this matter to identify and hold accountable the parties responsible for this potential fraud. 

Thank you for your attention to this urgent matter. 

Sincerely, XXXX XXXX XXXX
Product: Debt collection

On XXXX XXXX 2016 I attempted to rent an apartment locally in XXXX New Mexico, I was told by the apartment that I had a balance owed to a previous landlord and I must contact said XXXX XXXX XXXX to see if I could get balance paid off, on Monday XXXX XXXX I contacted the property management company and they told me that I must contact Southern Management Systems Inc to get a payment made to them. I contacted this company and spoke with a person by the name of XXXX XXXX, even though XXXX XXXX was very rude and condescending I chose to continue the call to see if I could resolve those debt so I can continue with my life. I offer him a settlement which he declined and mention that he would only accept XXXX as a settle for this XXXX dollar account. I promptly replied that I was sorry but I could not afford said amount at this time and XXXX XXXX rudely told " well there is nothing I can do for you, goodbye '' I tried to get a word in however he hung up the phone on me. Approximately 2 hours later I called again to see if I could offer to pay more to his company to resolve the issue, I made a total of XXXX phone calls before I was finally able to speak to someone, I was once again transferred to this rude person, I explained to him that I was advised by a lawyer to pay off this debt, he immediately cut me off and said " you have lawyer? '' Without letting me explain or respond he said " this call is over, I do not want to talk to you '' you have a lawyer and I do not want to deal with you '' he immediately hung up the phone in my face for the second time.which to me seems very suspicious to me, for someone to act like this with someone who is attempting to pay a debt. I was so appalled and distraught at how I was treated I felt like my whole world was spinning out of control and I was being mistreated and felt lower than a human being. Right after that conversation, I went online and looked up this company and there are countless complaints against these people for the way they treated debtors. I called this company 8 more times and in attempt to reach someone, on the 9th try I reach this receptionist who told me that upon looking at my file that it does n't seem like they would want to talk to me, I said I need to speak with someone to resolve this issue and make a payment, I was transferred to XXXX once more who seemed to be laughing at me trying to explain that I do not have a lawyer and all I wanted to do was pay my debt, he sarcastically replied, " I 've told you to not call here again, I do not want to talk to you, do not call us, I repeat do n't call us again, good bye XXXX. '' This company have treated me so unfairly when all I wanted to do was make a payment to them, this company has no right to treat me in this manner. They have lowered my self esteem and made me feel like I was nothing. They did all this, and still have not allowed me to pay off my balance on, they 're holding my life hostage and they 're holding me hostage, it seems like this is a joke to them. Please help me!!! All I want to do is pay these people so I can move on with my life and rent an apartment.
Product: Debt collection

PROCOLLECT , INC  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , TX  XXXX  (  XXXX  )  XXXX  IN REGARDS TO ACCOUNT  XXXX  THE FOLLOWING AGENCY IS NOT BONDED IN THE STATE OF TEXAS AND CAN NOT LEGALLY COLLECT SAID DEBT. BY TEXAS  SURETY BOND L AW ALL ADDRESSES AND BUSINESS NAMES MUST BE CORRECT.   PROCOLLECT , INC, ADDRESS THAT IS PROVIDED ON CREDIT REPORT DOES N'T EVEN MATCH TO AN ACTIVE BOND IN THE STATE OF TEXAS.   PLEASE REMOVE FROM ALL  XXXX  CREDIT BUREAU AND CONFIRM THAT DEBT IS NOT OWED.
Product: Debt collection

Systems & Services Technologies , Inc. ( SST ) fraudulently opened an account on XXXX, XXXX and XXXX. This has damaged my credit score by over XXXX points. They say I owe {$4000.00} but I do not owe them anything. I asked them to send information regarding my debt and provided nothing besides to say the account was transferred to a third party on XX/XX/23. This information was not enough to justify the debt, negative payment history, and derogatory account status on my credit. They never sent a debt verification letter like I requested. They were unable to provide the date my account was opened, only the date the account was closed and transferred. Earlier this year, I was harassed by recieving multiple robocalls a week at all times a day to collect a debt I did not owe.
Product: Vehicle loan or lease

I have a XXXX, and my car have been broken into four times where I had to pay {$500.00} deductible to get it fixed not to mention I can not find a cheap insurance on that car. I pay {$410.00} a month for insurance along with a {$420.00} car payment. That car is causing me too much money out of my social security income. I have very little money to live on after rent and that car. I am giving it up because I can no longer afford it. 

I turned XXXX XXXX XXXX in XXXX and this stress is causing me XXXX  problems and getting rid of that high-risk car will relieve some stress off me. I talked to Capitol One several times about how much that car is costing me per month, but they were not willing to make any arrangements with me. All they were interested in was getting their car payment every month. 

On XX/XX/year>, they finally made arrangements for them to pick the car up, but they made sure they informed me that if any repairs had to pay for them. Well, last time they broke into my car they tried to saw the driver side latch off and I didn't pay another {$500.00} deductible to get it fix so that is hanging of now and you can't use that door to get into the car. They also said I will have to pay any other fees that are left on it. 

I feel I have paid for that car with the money and insurance I have already paid. The mentally stress that Capital One has caused me at XXXX XXXX XXXX I don't need that anymore beside I do n't drive anymore, my son had to keep that car in his garage to protect it from thief..
Product: Debt collection

I'VE RECENTLY CHECKED MY CREDIT REPORT AND NOTICED SOME INNACURATE ACCOUNT REPORTING. I am unaware of the above listed accounts. I sent a debt validation letter to the creditors and ask them to PROVIDE ME WITH ANY DOCUMENTATIONS associated with these accounts, ( i.e. an ORIGINAL CONTRACT BEARING MY SIGNATURE ). And I also formally request that this information be immediately deleted from the credit file you maintain under my social security number and informed them of the 30 days to complete their investigation, as per the FAIR CREDIT REPORTING ACT section 623 ( a ) ( 3 ), and I am keeping CAREFUL record of their actions. Instead, they sent me a summons in order to sue for an inaccurate and unverifiable account.
Product: Student loan

XX/XX/2018 : Rate Reduction program agreement for 6 months XXXX XXXX XXXX : XXXX payment XXXX XX/XX/2018 : XXXX payment XXXX XX/XX/2018 : XXXX payment XXXX XXXX XXXX : XXXX payment XXXX XXXX XXXX : statement received for XXXX for last of 6 payments. Amount deducted from account was XXXX. Navient stated the agreement had ended. I violated the agreement. I failed to renew in 6 month time frame. Interest rate was increased to 7.5 % In an attempt to discuss and review this issue Navient is stating I was aware of this increased deduction and agreement violation without Navient ever contacting or providing a statement indicating the amount due was more than the agreed XXXX or that the 6 month contract had ended before the 6 month term
Product: Mortgage

we went to closing and the documents did not look right we asked questions about it and they kept telling us that's between you and your lender. 
when we ask the lender why our closing went from XXXX to XXXX they told us that was due to the XXXX  loan. they also took money to buy down the rates when we said we did not want to do that we had addendums that were to fix issues on the house. we did not receive the money for this. 
they found out they messaged up and put me and my partner as married on a XXXX  loan when we are not as well as put me as a XXXX  not a XXXX XXXX XXXX  they said that part did not matter. 
they tried to convince us to refinance to a FHA loan because of all the mess ups and they told us they could not fix it. 
when we did not sign they tried to tell us that they could fix the XXXX  loan if we would sing a paper. we refused again we are currently seeking legal help into why everything turned the way it did and why closing was that much. 

this company is called cross country morgage.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently sent you a request to reinvestigate the information previously disputed. I have attached my previous correspondence for you to revisit. 
The computer-generated response I received is unacceptable and I am losing patience. If the information is not immediately reinvestigated and removed, I will be forced to seek legal counsel for relief through the court and file complaints with regulatory enforcement agencies including the CFPB, FTC and my state attorney general. 
Remove this incorrect information at once and send me an updated copy of my credit history report. 

1. I have never been late with payments on this account.

WFHM Account Number : XXXX Please remove the late mark on this account and update the status to current and paid as agreed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to verify the following accounts but after sending in a letter of dispute, they still failed to verify the said accounts. 

In accordance with the Fair Credit Reporting act, XXXX XXXX Account number : XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Account number : XXXX XXXX XXXX Account number : XXXX XXXX XXXX Account number : XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Account number : XXXX XXXX Account number : XXXX XXXXXXXX XXXX XXXX Account number : XXXX XXXX Account XXXX XXXX XXXX XXXX Account number : XXXX XXXX Account number : XXXX XXXX XXXX XXXX  Account number : XXXX XXXXXXXX XXXX Account number : XXXX XXXX  ( Original Creditor : XXXX XXXX  XXXX XXXX ) Account number : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account number : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) Account number : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Account number : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Account XXXX : XXXX XXXXI ( Original Creditor XXXX XXXX XXXX XXXX  ) Account number : XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX  ) Account number : XXXX XXXX Account number : XXXX XXXX XXXX  Account number : XXXX XXXX XXXX Account number : XXXX XXXX Account number : XXXX XXXX Account number : XXXX XXXX has violated my rights. 

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

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

Here is the issue. 


" Sorry, we're having trouble showing the status of your credit freeze right now '' or " We're unable to complete your request online. '' I've tried on multiple computers, network connections, etc. I've also read hundreds of complaints online about the same issue. TransUnion is using shady tactics to prevent easy access to these functions. If you pay for their subscription service, the issue seems to be resolved. I refuse to pay for these services. 

I contacted XXXX opened a ticket onXX/XX/2024, nothing was done about my issue. They just redirect me to a customer service line who has no idea about the website issues. 

I can not manage my credit freeze or even request a credit report online. The website is unbeliveably broken and has been for years. 

I have contacted their live chat numerous times as well and they can't fix my issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX still remains on my reports after being reported as a fraudulent account. XX/XX/2021 I filed an Identity Theft Report indicating this account was not mine. 

The Credit reporting bureau should remove any account reported to be fraudulent when an ID theft report has been filed in accordance with The Fair Debt Collection Practice Act. 

My ID theft report filed in XX/XX/2021 is hereby attached to this complaint.
Product: Checking or savings account

There was unathorized deduction from my checking account last year and this year. I complained it to Bank of America but instead of helping my claim they ignored and closed it. I dont recognized this company from XXXX at all. My checking account is Account number : XXXX XXXX XXXX
Product: Debt collection

I have an agreement with XXXX XXXX XXXX to make monthly payments, for which I am up to date. I am receiving letters from Financial Corporation of America stating they are debt collectors, that my bill is not paid despite previous requests and that my balance is seriously overdue. The amount quoted is not the amount outstanding on the payment plan. The hospital confirmed that my payment plan is up to date and not in arrears. Despite phone calls explaining that I am making payments I am still receiving these harassing letters which are causing me a lot of stress.
Product: Debt collection

Kohls has went back and changed my payment history to show I never made on time payments which is false. My account was in a positive status for awhile. I had my account and then fell on hard times. I am very upset to see they went in and reversed my payment history to show no on time payments.
Product: Mortgage

Hello, Please help! I have filed multiple complaints and customer inquiries with Freedom Mortgage and no one can explain why my mortgage continues to go up every 8 months. My town taxes have not risen nor my home owners insurance. My mortgage was sold to Freedom Mortgage and it has been the worst experience financially. I put a large sum of money down on my home. I beleive there are deceptive and padding practices going on within Freedom Mortgage and I would like full regulatory audit performed. I would also like a detailed explaination of why my mortgage payment has risen {$200.00} in 16 months. 

Thank you in advance for your help! 
XXXX XXXX XXXX XXXX
Product: Checking or savings account

I purchased a hotel room at XXXX XXXX in XXXX, GA XX/XX/2025. I contacted CASHAPP several times about my {$150.00} deposit. I was told I would receive my refund for my deposit back in 30 days from CASHAPP. I have talked to the hotel and they said they released my deposit at checkout. Ive spoke to CASHAPP several times about the matter, they have not returned my money and is giving me the runaround about my refund. This is the first complaint number that I made XXXX. I was told that I would receive my money back in 30 days. I did not receive it. This is the second complaint Ive made XXXX. I still have not received my {$150.00} deposit back from CASHAPP.
Product: Credit reporting, credit repair services, or other personal consumer reports

IVE NOTICED THAT I HAVE BEEN A VICTIM OF ID THEFT/FRAUD AND ITS STILL GOING ON