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

My mom, opened a credit card with discover and maxed the card usage. She also authorized a credit increase by using my cell phone. My mom was able to open the account because we lived together and she knew all of my personal information. The account was opened under her email so she had access to it, I never used the card nor had access to the account online. I was able to find out by checking my credit report. Not only did I never make a purchase, I never made a payment either. My mom made all payments from her bank account. Majority of transactions are taken in XXXX ca which is where she lived starting XX/XX/XXXX, and I lived in XXXX XXXX ca. We did live together before which is when she opened the account. On XX/XX/XXXX, discover called my mom and she admitted to committing credit card fraud and took full responsibility for the debt owed. However, my mother passed on XX/XX/XXXX and a payment plan was never created for my mom with discover. My mom made all transactions, authorized a credit limit increase, made all purchases in a city I did not live at, had access from her own email not mine, made all payments from her bank account, and even admitted and stated she would take full responsibility with discover. However discover is still giving me a hard time on approving this credit forgiveness.
Product: Credit reporting, credit repair services, or other personal consumer reports

A Hawaiian Airways Master Card was opened using my information. 
This is fraud. I noted it on my credit report on XX/XX/23 and asked the Barclay Bank of Delaware to close account and I reported it as fraud. The address associated with fraud account is a XXXX in XXXX Florida XXXX XXXX XXXX XXXX XXXX, FL XXXX Barclay Bank XXXX XXXX XXXX XXXXXXXX, XXXX, Delaware XXXX XXXX. 

I have contacted the Barclay Bank on the following dates to close the account and report fraud : XX/XX/23, XX/XX/23, XXXX, XX/XX/23, XX/XX/23, XX/XX/23, and XX/XX/23. I have received written correspondence ( I gave them my address ) which state that the account is under investigation. Every time I called the credit card company I am told it is under investigation. My credit report through XXXX showed that the account was closed and under investigation. On XX/XX/23, I noted that my credit score fell XXXX points and that the account was open and balance past due. I called again and was told that I would have to wait up to 90 days for the investigation to clear up. 
My credit is declining and the bank is very slow to clear up this matter. It is 100 % the bank 's error to give a card to a person who is not me. I appreciate your help.
Product: Mortgage

Owner of the loan would not work with me. The servicer they use is Chase Bank. Chase Bank made mistakes and delays causing great hardship. The lack of help forced me to sell my home at a loss for {$90000.00}. Home is worth {$160000.00}.

XXXX XXXX XXXX  as Trustee for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Bank account or service

On XXXX/XXXX/2015, I sent a mortgage payoff payment via Chase BillPay of amount {$28000.00}. The payment was electronic and was delivered next day on XXXX according to Chase record. However, the recipient of this payment, the mortgage company, refused to accept this payment because it was not in certified check format per their policy for mortgage payoff. As a result, they notified me that they refused the payment on XXXX. Chase notified me on XXXX that the payment got refused. The mortgage company asked me to send the payment via wire within the next couple business days so that the payoff amount wo n't change. 
However, when I logged on my Chase account, I could not find anywhere that {$28000.00} is. I called Chase and spoke to XXXX representatives and XXXX supervisor. The supervisor told me their policy is that Bill Pay cancellation will take 2-5 business days to come back to my account. I was surprised, because Bill Pay ( especially this electronic one ) instantly takes my money when I submitted, but someone would hold on to it for 2-5 business days before returning back to me? It is worse than paper checks, where my money would have been sitting in the account while the check is being refused. 

The issue is then, I wo n't be able to make the mortgage payoff amount in the next couple business days. Plus, I felt it is extremely suspicious that Chase is just holding my money for interest or other investment during that 2-5 business days. 

I asked the Chase supervisor where their official policy is written, and legal terms and disclosures. She sent me the Chase Bill Pay legal terms and disclosures, but it only says " canceled Bill Pay funds will be returned back to your account the next business day ''. There is no where mentioning the 2-5 business days of returned/cancelled Bill Pay electronic payments. 

I am formally filing this complaint against Chase bank for unlawfully holding consumers ' money for extended period of time, outside of the Bill Pay legal terms and disclosures. 

Here is the Chase Bill Pay Legal Terms and Disclosures XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian dropped my score 10 points for ONE single inquiry! They are discriminating against me because I have complained that they are NOT reporting correctly! My {$5000.00} account since XXXX  XXXX XXXX is NOT being reported and now they have the audacity to drop my score 10 points for 1 inquiry! I know that a inquiry is 3 POINTS! NOT 10! I want a supervisor to look at my account as whomever is screwing around with my credit needs to be fired! I also called experian the other day and someone in another country asking for my social security number! How dare them! My payment history is IMMACULATE! For years! Supervisor ASAP!
Product: Debt collection

I have disputed this account so many times for incorrect information. The last dispute was XX/XX/2020 and current. This is not a valid debt and ask for it to be removed. {$410.00} for XXXX XXXX XXXX XXXX. This is not my account please remove.
Product: Credit reporting or other personal consumer reports

In XXXX XXXX worth of student loans where discharged. The department of education notified credit report bureaus and XXXX quickly marked it as paid off, XXXX finally removed it. TransUnion refuses to remove it, says it's a valid debt. I have a letter from the Department of Education.
Product: Credit reporting, credit repair services, or other personal consumer reports

Back in XX/XX/2017, Equifax discovered that their system was hacked, and that they disclosed millions of personal credit account information to the hackers. 
In XXXX of 2017, Equifax announced a data breach that exposed the personal information of XXXX XXXX people. The company has agreed to a global settlement with the Federal Trade Commission, the Consumer Financial Protection Bureau, and 50 U.S. states and territories. The settlement includes up to {$420.00} XXXX t o help people affected by the dat a breach . Part of this settlement involves free credit Credit Monitoring and Identity Theft Protection Services. I emailed Equifax from my home PC and signed up for this, at least a month back if not more like 6 weeks but I have not heard back from Equifax since. I need to know what's going on with my inquiry/complaint.
Product: Credit reporting or other personal consumer reports

I am a XXXX XXXX XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX XXXX XXXX - Opened on XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Account number on XXXX XXXX Account type Credit card. Date opened XXXX and said my account Discharged through Bankruptcy XXXX XXXX. My account was paid and at zero balance when I filed for bankruptcy. I filed for bankruptcy because I became XXXX  and was a victim of fraud not because of bad credit. I complained several times XXXX is reporting false information on my credit report and please remove it. I sent proof that XXXX was not part of the Bankruptcy XXXX XXXX because I had a zero balance. They refuse to remove it and the representative said to me " you XXXX people are always not trying to pay your bills ''.
Product: Credit reporting or other personal consumer reports

Company Information : Company Name : Experian, XXXX, XXXX Complaint Details : I am filing this complaint against Experian, XXXX and XXXX for their failure to remove incorrect and unrelated addresses and names from my credit report, despite multiple disputes and verbal confirmations from their agents. 

Issue Summary : 1. Inaccurate Addresses on My Credit Report : o The only correct address associated with me is : XXXX XXXX XXXX XXXX, XXXX, WA XXXX. 

o The incorrect addresses I requested to be removed are : 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 Incorrect Names on My Credit Report : o The only correct name associated with me is XXXX XXXX XXXX. 
o All other names listed on my credit report are incorrect and should be removed. 
XXXX. XXXX XXXX. XXXX Steps Taken : 1. Initial Written Dispute ( Over 60 Days Ago ) : I submitted a written disputes to Experian, XXXX and XXXX more than 60 days ago through regular mail. In this dispute, I requested the removal of incorrect addresses and names from my credit report and provided proof of my identity and correct address ( government-issued ID and utility bill ). I did not send this letter via certified mail, as I trusted that the companies would act on my request. However, I never received any written confirmation, and no corrections were made. 

2. First Phone Call ( Over 30 Days Ago ) : I called all three bureaus Experian, XXXX and XXXX after noticing that no action had been taken. I spoke with agents who all confirmed that the information was incorrect and assured me that it would be removed immediately. I did not document the agents ' names or employee numbers, trusting their words. Despite this, no updates were made to my report. 

3. Second Phone Call ( 15 Days Ago ) : After still not receiving any updates or corrected credit reports, I made another phone call 15 days ago. The second sets of agents also apologized for the delay and assured me that the corrections would be made right away. I was promised an updated credit report within 7-10 days, but I still have not received any response, and the incorrect information remains on my credit report.

4. Recent Credit Report Check : I recently checked my credit reports again, and the incorrect addresses and names are still listed. No action has been taken despite the assurances made by the Experian agents. 

Reasons for Lack of Documentation : I did not submit my disputes via certified mail, nor did I document the agents ' names, because I trusted that the representatives would act on their promises and correct my credit reports. Given the repeated failure of Experian, XXXX and XXXX to do so, I now realize the importance of these steps, but this should not excuse Experians, XXXX 's and XXXX 's obligations to follow the law and resolve my disputes within the legally mandated timeframe. 


Thank you for your attention to this matter. 
Sincerely, XXXX XXXX XXXX
Product: Mortgage

I started an online application for a loan through XXXX bank but then called to clarify whether they finance manufactured homes and found out they do not so wanted to delete my application. I erroneously started a new application in an effort to delete the current one. 

I have asked M & T 8 times ( 7 time by email and one phone call on Friday, XX/XX/2021 ) to please stop sending multiple email per day and now followed by multiple calls to finish my application. On the call, the M & T I advised that she will remove me from the the solicitation '' list yet the calls and email continue and I find this extremely harassing 's and a form of predatory lending and
Product: Student loan

My XXXX year old mother continues to be harassed by debt collectors for 2 Navient private loans she settled in full in XXXX. We have called over and over both Navient and XXXX. A complaint was filed and no response. Its almost been a year. We want this to stop
Product: Checking or savings account

On XX/XX/2022, I made deposits totaling {$30000.00} to my Chase business checking account. Of these checks {$12000.00} were made out to my newly opened company called XXXX XXXX. The other {$18000.00} were second party checks and were given to me as payments which I deposited into my Chase business account. Chase then froze all the {$30000.00} that I deposited and didn't allow any of the amounts to clear into my account. This included the checks that were made out to my business name. They said that this was due to their need to verify the second party checks and as a result until the checks are verified they are not going to release any of the money. The checks ' money was taken out of the original payers accounts and not released to me as such that I can not even ask the original payers to reissue me a check as they said the money was removed from their account. I spoke with Chase multiple times for a few hours each time and asked them why they don't release the money to me. They said we have to verify the checks and each time I call they claim to be verifying the checks as we speak. Each time they said they verified some but not all of the checks and until they verify all of them they can not release any of the checks including " the ones made out to my company that aren't second party checks which were verified ''. The next time I call however they have to reverify everything from scratch as if they never verified anything and they never finish verifying all the checks and don't verify unless I call them so at this rate I will never get my money back. I tried explaining to them that they should at least release the checks made out to my company but to no avail. They closed my account and as such I also don't have access to my info and statements. This has caused me tremendous financial damage to both my company as this is a fairly new business and this harms my day today operations in my business. as well as to my personal finances.
Product: Credit card

I have had a citi bank credit card for 10 years. The lending amount is XXXX {$.00} In 10 years I have charged and estimated amount of {$7300.00}. I have paid on this card in 10 years an estimated {$13000.00} with {$7000.00} of that being interest alone. In XX/XX/XXXX Citi bank raised my interest rate for 12.44 % to 14.99 % and I am unsure why. I also lost my job in XX/XX/XXXX and have lost a total of XXXX per year in income. I would like to negotiate a settlement with Cit Bank to pay off this credit card but they are saying I am ineligible for a settlement. I have never missed a payment and have had XXXX fee assessed to me in 10 years. Can you help me negotiate a discounted payoff?
Product: Credit card or prepaid card

On XX/XX/XXXX, I mailed a USAA Convenience Check in the amount of {$1800.00} to XXXX XXXX XXXX to pay my outstanding balance with XXXX. The terms of the financing by USAA stated that the check needed to post by XX/XX/XXXX. 

I called USAA on or around XX/XX/XXXX to discuss options if the check did not post by XX/XX/XXXX. I was told that a stop payment could not be issued. I asked if my best option, then, was to submit an electronic payment. I also asked if the check, if it were processed after the XX/XX/XXXX cutoff date, would be rejected and left unprocessed. I received affirmative responses to both questions. Given this information, which proved to be false, I filed a second transfer on USAA 's website. 

The electronically-initiated transfer posted on XX/XX/XXXX.

The check transfer posted on XX/XX/XXXX, despite being told by a USAA CSR that the check would not be processed. This resulted in two charges of {$55.00}. I feel that one of those charges is invalid, due to being misled by the USAA CSR.
Product: Credit reporting or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by silence, ( mo ) 281 SW 715.719. I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists Pursuant to 18 usc 8, I owe no debt, this company is violating my consumer right to privacy pursuant to 15 us 1681 b 2 company has also No permission to report anything using my info pursuant to 15 usc 1681 4
Product: Debt collection

On XXXX/XXXX/16 I receiveda letter from Wilber & Associates, P.C. stating they were attempting to resolve a matter in an amicable fashion and that I would need to advise them immediately of insurance information or immediately send payment for insured loss. I had no idea what this was in regards to so I called the number on the paper and A man answered and was horribly rude to me. I asked for acopy of the legal claim and he said he wasnt going to waste his time sending a copy out if I wasnt going to pay it anyways, he then stated he would mark it as a refusal to pay and mvoe forward with his law firms steps. He told meto tell the person in the back of my phone call to be quiet because they were n't helping however I am not going to send a check for XXXX to someone who I dont know without an itemized info sheet on what those funds would be for. When the man hung up on me I called back 2 times to which a woman answered and said hold while I transfer your call and it was transferred two times with no answer. I called back a fourth time and finally spoke with the man I spoke to first and he very quickly said " I already told you what you owe before you can pay that over the phone and it is due by the end of the month, have a great day. '' and then hung up.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act.List of accounts below has violated my Federally Protected Consumer Rights to privacy & confidentiality under 15 USC 1681. 

Account Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights.

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

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crime which antedates the report by more than sever years.

15 U.S.C 1681s-2 ( A ) ( 1 ) 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 information is inaccurate.
Product: Credit reporting or other personal consumer reports

They are reporting that the card has a balance and I have paid the balance down to zero They have also reported the incorrect monthly payment for the last XXXX years and Im tired of them
Product: Credit reporting, credit repair services, or other personal consumer reports

I got a message from XXXX saying I was 30 days overdue on a payment on a card that I was unaware of I did not open this account with chase bank I have never had a chase bank account I called Chase bank and canceled the account and let them know that it was not me who open this account the charge was for XXXX dollars and some change it was something for Amazon it was not mine I then called XXXX and requested a fraud prevention as well as it to be removed from my XXXX credit report a lost XXXX points and Ive been trying so hard to bring my credit up I wouldnt open a card and not pay it especially over something so small You can look at my credit history and payment history I would not miss it
Product: Credit card or prepaid card

XX/XX/2023 I tried to use my card it declined because it expired XX/XX/2023. I having been calling Direct Express everyday all day to speak to someone about not receiving card that the automated service says was sent out XX/XX/2023. U never received a replacement card and the system is saying high call volume try your call again later I have been calling every hour and still cant get a hold to a representative to atleast have a new card shipped out. My rent is due in the XXXX if this month and I cant access the benefits on my card. Now I will be charged {$200.00} additional for late fee. I need access to my funds and all fees that so have to pay because of this negligence by Direct Ecoress to be reimbursed too,
Product: Mortgage

I just received another letter from Caliber Home Loans asking me to deposit funds in account number : XXXX ABA routing number : XXXX at XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, CA XXXX and don't know why? I would like the CFPB to investigate this. Also they have failed to present the original documentation to the Bankruptcy Appellate Panel in the XXXX District in XXXX, CA, Appeal Number : XXXX. This all smacks of fraud since they are claiming I owe then {$310000.00} when I filed a Chapter XXXX Bk in XX/XX/XXXX and made both pre and post-petition payments on time. I am requesting the CFPB to audit this loan which was originally taken out in XX/XX/XXXX for {$310000.00}.
Product: Debt collection

I have attempted to contact XXXX XXXX because they bought my debt, sent this letter in XX/XX/1922 notify me that my account was sold to them, but never sent me anything prior to that for me to sign or give them permission. I have tried calling them. I never get an answer and Ive tried disputing it, and nothing is happening. I did not!! give them permission to buy it. I did not sign anything.. They did not send me anything. Their website always crashes and its hard to contact somebody, I asked and complained that they remove this debt from my credit report because they wrongfully sold my debt to a third-party, XXXX XXXX XXXX XXXX XXXXXXXX It did not notify me at all about it. They shared my information my account numbers, and that is illegal and against FCRA.. I asked that they remove this collection and debt for my credit report and from all bureaus!
Product: Debt collection

XXXX is reporting 17 late payments on XXXX Credit report illegally after the date of discharge on the following account after repossession / charge off date. Ford Motor Credit is also reporting on my XXXX XXXX credit report 47 lates after repossession and after account was closed and charged off Ford Motor Credit- # XXXX To report lates on closed account is illegal.