23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

The bank, Capital One, has entered a cancelled deposit as a withdrawal. The amount of the check was then entered as a withdrawal instead of a deposit. The person who I spoke to over the phone was rude, they spoke over me during the conversations with their customer service line. They also lied and said that they were never called at the time of the issues regarding the deposit to the account. The customer service representative and their manager lied a second time and refused to make any attempt to resolve the issue. They continued to allow my bank account to remain in a negative balance exceeding the amount of {$2000.00}. The original deposit was blocked, there was no access to the image of the check or the deposit. The bank has made their own decision to remove the funds from my account although there were never any funds place in the account. The deposit was cancelled by phone with customer service the day it was attempted to be deposited. The man at the bank argued with me about the ownership of my account, and accused me of a crime for the purpose of the account being accessed by other people and made accusations about something irrelevant to a bank deposit. They started asking me about my device, or how do I access my bank account. They then disregarded any of my concerns and did not attempt in any way shape or form to resolve the issue or reverse the errors on the account. There is now a - {$2900.00} balance which has been added and the deposit was never applied to my balance at all.
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 I told XXXX, XXXX, and Equifax to reinvestigate these accounts : Account name : XXXX XXXX XXXX # XXXX XXXX XXXX XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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 the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was mentioned in my previous COMPLAINT #, and I include it again. Please don't ignore my request to repair or remove these inaccurate items in my file. 
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
Product: Credit card

On XX/XX/ I applied for the Chase Sapphire Preferred credit card and was denied. On XXXX XXXX XXXX I was mailed a letter stating that my credit card application was incorrectly denied. I was informed that I could re-apply, but my credit would be ran again. I would not want that to happen, so I mailed them a dispute letter, a copy of the incorrect denial application, and my credit report. Chase has yet to respond about my mail and I had to call about XXXX people that work at Chase only for them to not even give me an answer about what the correct decision was supposed to be about my credit card application.
Product: Credit reporting or other personal consumer reports

Account to be removed from your credit report In accordance with the XXXX XXXX XXXX XXXX XXXX XXXX XXXX Accounts XXXX, Account XXXX XXXX, has violated my rights 15 U.S.C 1681 section 602 A. States I have a right to privacy.

15 U.S.C 1681 section 604 A Section 2 : it also states a customer reporting agency can not furnish a account without my written instructions 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt 15 U.S.C 1692B 1 ) identify himself, state that he is confirming or correcting location information concerning the consumer, and, only if expressly requested, identify his employer
Product: Credit reporting, credit repair services, or other personal consumer reports

all wrong not mine : 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, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY Account Name XXXX & XXXX XXXX Account Number XXXX Account Type Collection Responsibility Individual Date Opened XX/XX/XXXX Status Collection account. {$77.00} past due as of XX/XX/XXXX. 
Status Updated XX/XX/XXXX Balance {$77.00} Balance Updated XX/XX/XXXX Recent Payment $ 0 Monthly Payment {$0.00} Original Balance {$77.00} Highest Balance {$0.00} Terms 1 Months On Record UntilApr XXXX Payment History Account Name XXXX XXXX  Account Number XXXX Account Type Secured Card Responsibility Individual Date Opened XX/XX/XXXX Status Open. 
Status Updated XX/XX/XXXX Balance {$67.00} Balance Updated XX/XX/XXXX Recent Payment $ 100 Monthly Payment {$15.00} Credit Limit {$220.00} Highest Balance {$160.00} Terms NA Account Name US DEPT OF ED/XXXX  Account Number XXXX Account Type Education Responsibility Individual Date Opened XX/XX/XXXX Status Transferred, closed. 
Status Updated XX/XX/XXXX Balance - Balance Updated - Recent Payment - Monthly Payment {$0.00} Original Balance {$10000.00} Highest Balance {$0.00} Terms NA all filed to the ftc
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I disputed the balance of my mortgage with Rockland Trust to XXXX  through XXXX XXXX. Instead of updating the balance, Rockland Trust was totally removed from my credit report. I have been going back and forth with Rockland Trust and XXXX. Rockland Trust says XXXX  has to request information to put Rockland Trust back onto my credit report and XXXX  says the Rockland Trust has to report my mortgage to XXXX. I was also told by XXXX and by XXXX at XXXX  that even if I send a letter to XXXX  from Rockland Trust stating my mortgage is in good standing along with my mortgage statement, they will question the validity of the documents because they are coming from consumer ( me ) and not from actual creditor, Rockland Trust. Pease help. My credit score is affected.
Product: Credit card

The balance on my Sears card XXXX issued by Citibank keeps increasing, even though I never use it anymore. This month the minimum due is {$520.00} on a balance is {$9300.00}. I pay {$300.00} each month, but the balance does n't seem to change. I contacted the credit card company asking for a lower interest and lower minimum payment, but they responded that since I was no longer charging anything from Sears, the rate would remain the same.
Product: Mortgage

This has been a 15 year process with a loan modification with XXXX. My original loan was for $ XXXX they agreed to modified it for {$200000.00} a 15 year loan to a 30 yr. loan.

I never had the opportunity to get equity. Before covid, they transfer my loan to Carrington, but Carrington foreclosed the house even though we have a written statement that the foreclosure was moved a month because of the litigation process. XXXX and XXXX is now evicting me. I am attaching documents that I would like your office to review them. 
Thank you.
Product: Credit reporting or other personal consumer reports

I never open this account. Please remove this account off my credit report as soon as possible. 

Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE SEVERAL ISSUES WITH MY CREDIT REPORT SEE LIST ON ATTACHED XXXX XXXX ' MY NAME AND ADDRESS HAS ERRORS AND WRONG PREVIOUS ADDRESSES NOT FACTUAL
Product: Student loan

I have had these student loans with NAVIENT for some years now, and have been very conscientious about my payments. However, since losing my job, my servicer has become more aggressive and less flexible in how they are handling my payments. Even when I was working, they asked me to pay more than 50 % of my monthly earnings as payments. 
This XXXX is becoming more regular, and each time they raise interest, they make it harder to bring payments down to a reasonable number. 
This time, when the " special interest/payment '' period ended, they called my wife multiple times, then they called my mother ( who is a recovering XXXX victim ) multiple times, and THEN they contacted my estranged father ( of 20 years! ) and claimed that I had used him as a reference to borrow money. I have not spoken to my father since I was XXXX, and have NEVER listed him as a contact in my adult life. He was NOT listed as a reference for anything! 
I consider this XXXX, especially when I have made my monthly payments regularly, and often, I have done so even when I could not afford it.
Product: Prepaid card

XX/XX/XXXX  I contacted Netspend regarding an email welcoming me and requesting that I activate the card that I had received. I called Netspend because I did not apply for a prepaid card and asked them to confirm if I had an account opened with them by someone due to the email I received. They refused to give me any information because I did not have the card in question as I kept explaining that I did not want a card nor did I apply for one. I called them because I was concerned about fraud or identity theft. I wanted to k kw why I received the email since I did not apply for any prepaid card account. They told me they couldn't help me and to contact the FTC. After, many attempts, they refused to give me any other information.
Product: Mortgage

In XX/XX/XXXX my home and property was seriously damaged by Hurricane Sandy. All my savings went into repairs and I lost income due to all the time needed to handle the mess. My, then, mortgage company, XXXX XXXX finally granted me a modification in XX/XX/XXXX but they increased my term to 40 years. I was not happy but I accepted it to just move on. 

In XX/XX/XXXX, XXXX XXXX sold my 40 year loan to SLS ( Specialized Loan Servicing ). On the first statement from SLS they requested {$400.00} over the original mortgage amount within days. When I contacted them to ask questions they told me I had to pay for escrow. ( In the past any escrow funds have always been charged with options being either lump sum or 12 monthly installments added to the mortgage. ) SLS said I must pay it ALL and the only option to make the deadline was a XXXX XXXX payment. They did not accept any other electronic forms of payment. 
Upon further research I found that XXXX XXXX can prove the funds were sent but not that they were received and many many people had complained that SLS was not posting the funds to their loans. Despite many conversations with the company they refused to offer any other options and I was unsure how to proceed. 

Experiencing how they deal with their customers was scaring me quite a bit, so I contacted a colleague whom works for a Law Firm that specializes in these sorts of situations. He helped me craft a complaint to the NY XXXX XXXX Court for breaching the original mortgage. 

For many months SLS repeatedly claims that they are unaware of the lawsuit even though I have the docs stamped by the court and they filed for a dismissal. They refuse to discuss any of it. 

Finally, in lieu of continuing on the legal front I hoped to obtain a realistic modification with hopefully a reduction in years/interest. A few weeks ago I submitted all the docs for modification and on XX/XX/XXXX SLS  sent a letter denying me any assistance. 

Please assist me in obtaining a qualified rep with SLS to discuss all the above mentioned matters.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, Georgia XXXX To Whom It May Concern : While checking my most recent credit report, I noticed unauthorized and fraudulent credit inquiries made by the following companies : Fraudulent Inquiries : 1. XXXX XXXXXXXX XXXX, Inquiry Date : XX/XX/XXXX XXXX. XXXX, Inquiry Date : XX/XX/XXXX 3. XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX XXXX, Inquiry Date : XX/XX/XXXX XXXX. XXXXXXXX XXXX XXXX, Inquiry Date : XX/XX/XXXX XXXX. XXXXXXXX XXXX XXXX, Inquiry Date : XX/XX/XXXX XXXX. XXXX XXXX, Inquiry Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX, Inquiry Date : XX/XX/XXXX I did not authorize anyone employed by these companies to make any inquiry and/or view my credit report. In addition, I did not give you written permission or my consent to furnish this information onto my credit report or consumer credit file. 
This is a violation of the Credit Reporting Act Section 1681b ( c ) which constitutes fraudulent activity and is also a serious breach of my privacy rights.

Please delete these fraudulent inquiries immediately from any records that are on your system or validate these inquiries by providing me with copies of any documentation associated with these accounts bearing my signature and/or my written permission authorizing an inquiry, per Federal & State statutes.

Furthermore, I also demand you, produce a contract between you and I bearing my signature showing that I gave you permission to furnish any information on my behalf. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file you maintain under my Social Security number. 
Please note that you have 30 days to produce the requested contract and to complete this investigation, as per the Fair Credit Reporting Act section 611. 
My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, Georgia XXXX Without Recourse UCC 3-415, All Natural Inalienable Rights Reserved
Product: Debt collection

The amount owed to the account was {$65.00}. This account was paid in full via online payment processing on  XXXX / XXXX /  XXXX  . I check my credit through a monitoring service and I see that this company has decided to split my payment and apply a portion of it to another account which leaves the account I was paying in full open.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. The account is hurting my ability to obtain credit. Its my understanding that Experian will investigate this account to ensure accuracy. Heres the account I am asking you to investigate : XXXX XXXX ( account number - XXXX ).
Product: Debt collection

I received a notice of debt collections from I.Q. International around XX/XX/2022. Showing that I owe The Original Creditor, XXXX at XXXX XXXX, {$3100.00} and intrest of {$440.00}. 
I was never informed about the interst till this notice came. 
The collection agency is saying I owe the total amount of {$3500.00}. 
Now I have to prove that I have already paid the XXXX. It is a good thing that I kept records, or I would have to pay this whole thing twice! 
Debt collections needs to be held accountable for their misleading correspondence. To many people end up falling into this debt trap. It is ridiculous that I have to prove what I have paid, when at least, the Original Creditor knew and has record of my payments. The collections agency should check beforehand.
Product: Checking or savings account

Chase just close my account for no obvious reasons because I asked them they said its in the contract we can close your account whenever they please. I said okay find when can I receive my remaining balance they didnt give me a date. They kept giving me the run around told me I can walk in the bank to withdraw my funds. I try that they told me I got to wait to the account fully close to withdraw the funds which dont make no sense whats so ever. I call them they said I just got ta wait for my check in the mail. And I been waiting since
Product: Debt collection

Called me at work. Told not to call at work! XXXX XXXX from XXXX XXXX>
Product: Credit reporting or other personal consumer reports

This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2300.00}, {$5000.00}, {$0.00}, {$3300.00}, {$1700.00}, {$0.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2300.00} -This is not my account. 

2. XXXX  XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5000.00} -This is not my account. 

3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

4. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXXwith a balance of {$3300.00} -This is not my account. 

5. XXXXXX/XX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1700.00} -This is not my account. 


-- AUTO ACCOUNT 6. XXXX XXXX XX/XX/XXXXwith ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

For months now I have been trying to get this Chase account on my XXXX credit report to report correctly. However Chase and/or XXXX keeps updating the way it reports ( the Date of Status ) and this has dropped my credit score on XXXX  from XXXX to XXXX ( almost 100 points ). Please see attached uploads. Please see XXXX report dated XX/XX/XXXX with Date of Status on Chase as XX/XX/XXXX. Please also XXXX report dated XX/XX/XXXX with Date of Status on Chase as XX/XX/XXXX. Further, the Recent Balance on each report is {$11000.00} on XX/XX/XXXX and {$5400.00} on XX/XX/XXXX. This is a charged off account and XXXX/Chase are illegally updating this date ( and balances ) and causing my credit to be damaged, and this is keeping me from qualifying for home mortgage for my family. Please also see all the other attributes to this Chase account that are reported incorrectly. Basically each time I send a letter asking them to investigate, they update the information incorrectly. Please also see the screen shot I uploaded of my XXXX XXXX credit monitoring report dated XX/XX/XXXX which shows the inconsistent nature of the way this account is reported between each credit bureau.
Product: Credit reporting, credit repair services, or other personal consumer reports

Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments and I am writing to request 3 BUREAUS the method of verification for disputes In accordance with FCRA, I am requesting this items to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 
XXXX XXXX XXXX, XXXX, CA, XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX, TX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX XXXXXXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX Balance : {$6300.00} XXXX XXXX XXXX XXXX XXXX : {$770.00} XXXX XXXXXXXX Balance : {$44000.00} XXXX XXXX Balance : {$220.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XXXX  XX/XX/XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit Bureaus are required to validate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : 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
Product: Credit card

The problem statement is I am unable to access my Amazon Prime Visa Account information using the Chase API. I continue to experience issues access my Chase account using the Chase API on AmazonXXXX. This is an ongoing issue for the past three months. I have repeatedly tried to contact Chase about this issue, but they did not understand the problem statement. They alleged that they try to contact me multiple times, but I do not have any proof or documentation that contact happened. 

Moreover Chase has multiple ways of contacting me and multiple ways to verify my information. The address on the letter addressed to me is " XXXX XXXX XXXX XXXX XXXX, NJ XXXX ''. JPMorgan Chase is the loan servicer of this property. It is listed on my account as one of my addresses.

I would like Chase to fix their code and allow me to use the API to manage my account. This is a service provided to every cardholder and I would like to be treated like other cardholders.