23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

On XX/XX/year>, I received a denial letter for a credit application for the Chase Freedom Rise credit card.

Chase received and accepted the application with a digital signature which makes it a collateralized security. I have been studying securities transfers, the banking system, the Federal Reserve Bank and all the processes surrounding value, notes, securities and obligations. I have read that every obligation is backed by the full faith and credit of the United States. That credit is collateralized by signatures of people on security instruments. An application is a security instrument that becomes collateralized once signed. 

I called the reconsideration line on XX/XX/XXXX, XXXX because even though Chase accepted and received my collateralized security, a credit line was not issued. We need to balance the books. I made my case rebutting the reasons listed in the denial letter. I shared my income information, demonstrated little to no debt, explained how I have been a Chase consumer for ten-plus years, and answered questions about recent credit accounts I have been approved for. Chase, as a securities transfer agent, will take my application and request notes using that collateralized security. I asked for retraction and return of my application, but the representative would not or could not do it.

The Federal Reserve Act Section 16 part 1 and 2 explain the process of using bank acceptances to request the notes. Chase accepted my signed application but denied opening the credit account even though the application is backed by the full faith and credit of the United States, collateralized by my signature.
Product: Checking or savings account

Because of the mismanagement, the lies, and the delay tricks by the management at J.P.Morgan/Chase in the ( CFPB ) complaint id XXXX, petitioner will start playing his own tricks. That this agency have let you culprits get away with doing anything you want, petitioner is requesting the sum of XXXX XXXX dollars ( that's with a capital " B '' ). I know you're not going to take me serious, and that's your first mistake. You and your corrupt system of justice is going to fall, and this is the stone that will bring you down.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file and are listed on my credit report 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

This is my 3rd attempt to get this matter resolved. I've submitted 3 previous complaints with the CFPB & you claim I'm submitting the information for someone else... I have no clue what in the world you're trying to accomplish by ignoring my request but it's just creating additional emotional & physical distress. Bureau ( s ) has failed to comply with Fair Credit Reporting Act ( FCRA ). I disputed information that was reported to my credit file held with Bureau ( s ). These accounts were opened fraudulently. I informed them of the issue & provided them with the required documents to block/remove the accounts via FCRA Section 605b . They have failed to block the accounts, additionally, they have failed to provide me with any legal contract to reflect I was the one who opened the accounts. I need the following accounts removed from my report ASAP. Here are the names of the data furnishers & the account 's Collection : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$150.00} XXXX ( Original XXXX : XXXX XXXX XXXX XXXX ) XXXX Balance XXXX {$120.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$150.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$6600.00} Late Close : XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

Names was inaccurately submitted over 10 years ago.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are two inquiries on my credit report that I do not recognize or gave any permission to use of my personal information
Product: Checking or savings account

Ally Bank is the worst!!!!! I initiated a XXXX to someone and they never received funds, a week later I went to send it again, but realized the first XXXX I sent out, never came back, so I cancelled the second one. I contacted ally bank and a lady told me wait 13 business days. After 13 days, no funds were issued out, so I complained about it, then they credited me my XXXX back, I sent that to the person that I had waiting a month to receive their funds. A month goes by and the close out my account and even took away my access. Today I attempt to log in because I keep receiving emails from them, then all of a sudden it gives me access and I notice it shows my account is back open with a negative balance of XXXX dollars for a withdrawal on XXXX XXXX XXXX. This bank has been making errors for a long time, they also have been sending me mail saying I owed over draft fees when I contacted them they informed me that it was an error in their system and to just simply ignore it. This bank is ran digitally and the system is just trash. They are charging people then apologizing, closing accounts then opening them back up with a negative balance, theyre claiming the will send it to my credit which I worked hard to fix. I will be contacting a financial and banking attorney and taking them to small claims court.
Product: Credit reporting or other personal consumer reports

In the past 6-7 months, I have discovered fraudulent accounts and credit cards opened in my name, several other inquiries into my credit not made by me, and a debt collection balance not belonging to me. 

In XXXXXXXX XXXX I became aware of potential identity theft and fraud. I have reported most of these attempts as fraud to the specific companies, and I have seemingly shut down all accounts opened in my name.

1. I noticed someone trying to sing in to my bank account several times. I reported this to my bank and have since changed the username and password. 
2. I received mail regarding a XXXX XXXX credit card in my name with over {$1300.00} spent. I reported this as fraud and the account was closed. 
3. I received a call from a XXXX ( XXXX ) regarding an overdue payment. I reported this as fraud and the account was closed 4. I received mail regarding a failed attempt to open a credit card at XXXX XXXX in my name. 
5. I received mail regarding a failed attempt to open a credit card at XXXX  in my name Following these events, I filed at FTC Fraud report, specifically naming the XXXX credit card ( {$1300.00} balance ) and the XXXX account created ( unknown balance ). I also generated a Credit Report using XXXX. On my Credit Report, I discovered 2 phone numbers associated with my account that were not mine, I found what seem to several other attempts to create accounts or credit cards, and I found a balance with a debt collector. None of these inquiries or balances belong to me. 

1. The following phone numbers were associated with my account despite neither belonging to me. I disputed both numbers and had XXXX remove them. 
( XXXX ) XXXX ( XXXX ) XXXX XXXX. I still see inquiries made by XXXX ( 1 time ), XXXX XXXX ( 3 times ), XXXX ( 1 time that is fraudulent ), XXXX ( 1 time ), XXXX ( 1 time ), and XXXX XXXX ( 1 time ). I am not able to dispute these inquiries. 
3. I also found a balance of {$10000.00} with XXXX XXXX XXXX, debt initially owed to XXXX XXXX XXXX. I disputed this line item, and XXXX removed it. 

I have attached the FTC report and the two credit reports ( one with the false phone numbers and {$10000.00} debt balance, and one report after they were removed ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for an auto loan with XXXX XXXX XXXX XXXX. I received a decline due to a XXXX XXXX XXXX XXXX XXXX of XXXX, which is not correct. I am a member of score sense who shows my credit scores, as follows Trans Union XXXX XXXX XXXX XXXX XXXX I also pulled my credit scores from XXXX  with the following results : XXXX XXXX Trans Union XXXX XXXX XXXX I need this error from Trans Union LLC corrected ASAP.
Product: Credit reporting or other personal consumer reports

Around XX/XX/XXXX, my XXXX XXXX  was compromised, leading to unauthorized access to my personal information. Since then, the fraudster has made multiple attempts to apply for credit cards and loans using my details, including my date of birth, Social Security number, and addresses. I recently reviewed my credit report and found numerous unauthorized inquiries from various banking institutions in XXXX and XXXX. Additionally, I have had fraudulent charges on my credit card, and the fraudster has applied for subscriptions that I did not obtain. The merchant is now attempting to collect through a collection agency. I did not apply for these credit cards, loans, or subscriptions, nor did I authorize these institutions or merchants to access my credit report or personal information.
Product: Checking or savings account

XX/XX/XXXX I deposited a check last night from my husbands bank to my bank, this bank is holding my check until XX/XX/XXXX, thats 12 days away and they are refusing to release my funds.I put in a check for $ XXXX.Three weeks ago I put the same check in for {$1000.00} and they had no problem realeasing the money then.Its illegal for them to hold money especially when we just got hit with a major storm and we lost all our food.They dont wan na heat anything they just keep telling me they refuse to release it.I will be closing this account ASAP after my money is cleared.This check already released the money from the other account into my account thats why we are so upset.They do this all the time! Horrible customer service.
Product: Credit reporting or other personal consumer reports

Greetings. Over the last 2 years, I have sent more then XXXX disputes to Experian and XXXX. The accounts in question are the following " charge-off '' accounts : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX and XXXX XXXX 
Additionally, I have filed XXXX CFPB complaints, in total, regarding the same issues with these same XXXX credit bureaus. After each dispute, these companies would improperly reinsert inaccurate information on my consumer reports. I have notified these companies of the various violations of the FCRA, Consumer Privacy Act, Family Educational Rights and Privacy Act, Gramm-Leach-Bliley Act, and the FTC act, that both Experian and XXXX have violated. Furthermore, I have followed the opt-out methods outlined in 12 CFR 1022.25. To do so, I contacted the date furnishers that report to the credit bureaus and each has confirmed my decisions to opt-out of any and all reporting of my account information. After making said request, the information is still reflected on my credit report. There are also violations in the form of unsolicited inquiries on my credit report. The consumer reporting agency may not provide a consumer report to a user under FCRA section 604 unless it has reason to believe that all of the consumer report information it includes pertains to the consumer who is the subject of the users request. I have contacted Experian and XXXX, and they have not provided documentation showing that I have provided written instructions authorizing access to my consumer file. While filing these disputes, it came to my attention that the charged-off accounts that are negligently reflected on my account, classify as income for the data furnishers that provided the account information. Per the Internal Revenue Manual, companies must report any taxable amount of a canceled debt as ordinary income, and provide me with a 1900-C to accurately file my taxes, which I have yet to receive. If Experian and XXXX are truly conducting investigations, as they purport, these discrepancies could have been quickly address and rectified. Instead, I have been in a constant battle with both companies to correct my consumer report, while being denied access to my credit, for the last 2 years. In the attached documents, you will find more than 15 violations of federal law, that can be easily verified and corrected by Experian and XXXX. I am aware the CFPB has taken steps, via a recently filed lawsuit, to protect consumers from these " sham '' investigations. This matter is handled quickly and accurately to prevent further hardship on my family and I.
Product: Debt collection

Hello I'm a victim of Identity theft my information has been compromised when XXXX had the data breach my information was exposed I've tried repairing my credit about 3 times since the data breach took place and to no avail someone manages to get a hold of my information opening up credit cards in my name, I was told to freeze my account however once I unfreeze it my information is exposed again. I have a debt collection agency by the name of XXXX XXXX XXXX XXXX trying to sue me for {$4400.00} opened XX/XX/XXXX I've never done business with these people ; XXXX XXXX is also saying I owe {$2000.00} for a credit card I've never had or used, XXXX XXXX XXXX {$410.00} opened XX/XX/XXXX I don't know this creditor, XXXX  XXXX  {$1000.00} Opened XX/XX/XXXX I don't know this creditor, XXXX XXXX {$3400.00} XX/XX/XXXX I don't know this creditor. These collections that have been identified on my account are hurting my credit score severely. I haven't spoken to any of these agencies as of yet except for XXXX XXXX  because they are trying to sue me for something that I didn't partake in. I do plan on disputing these collections on my credit report. 
This is very draining and time consuming and it's giving me XXXX  constantly dealing with this day in and day out trying to repair my life from identity theft
Product: Debt collection

THE MEDICAL DEBT WAS SET UP IN PAYMENT PLANS AND PAYMENT WAS BEING MAID. THEN IS WAS SENT TO A COLLECTION COMPANY. DEBT WAS PAID IN FULL AND ACCOUNT WAS NEVER TO HAVE BEEN REPORTED TO MY CREDIT REPORT BUT YET IT WAS. THIS EFFECTED MY CREDIT WORTHINESS SEVERLY WITH INCORRECT DERAGATORY INFORMATION
Product: Mortgage

I am in the process of trying to close on a mortgage. The seller, XXXX XXXX, who will also be filing a complaint, refinanced the house appx 7 years ago. The original lien-holder, Dovenmuehle Mortgage Inc. filed the release of mortgage incorrectly. When the title company found this when she was trying to sell it to me, they contacted Dovenmuehle to get them to send in a correction. This was in XXXX. There have since been at least XXXX corrections filed, all incorrect, and clearly in violation of the Residential Mortgage Satisfaction Act. I am asking for help in getting this mortgage released so that we can continue with the closing process. The title company XXXX in XXXX, Oklahoma has repeatedly asked for a copy of the release before it is filed to make sure it is correct, and Dovenmuehle has refused every time.
Product: Credit reporting or other personal consumer reports

Around XX/XX/XXXX I submitted a dispute for inaccurate reporting on my credit report. I then received two letters one from XXXX XXXX and one from Experian ( report number XXXX ) XXXX stating that the disputes letters that I sent out didnt appear to be from me or to be authorized I then sent in another letter .Right now theyre not providing anything to validate the late payments, two theyre not even adding in the comments that consumer disputes, and theyre not updating last verified.
Product: Credit reporting or other personal consumer reports

This is regarding the accounts listed above or in the pictures as proof which they claim is a collection of that I have with their companies. This is a formal notice that your claim is disputed, I am requesting validation may provide it to the fair debt collection practices at know that I am requesting validation that is competent evidence, bearing my signature showing that I have or ever had some contractual obligation to pay a.k.a. wet signature. Please also be aware that any negative marks found on my credit report, including XXXX, Trans Union, and XXXX from your company or any company that you represent for a debt that I dont owe is a validation of the fair debt collecting practices at FDCPA 807 oh, really15 USC ( e ) therefore, if you can not validate the debt, you must request all the credit reporting agencies, delete the entry. pending the outcome of my investigation of any evidence that you submit you are instructed to take no action that could not be detrimental to any of my credit report. Where are you later to respond within 30 days of receipt of this certified letter will result in small claims legal action against your company at my local value. I will be seeking up to XXXX XXXX minute damages for defamation, XXXX negligence, enablement of identity, fraud violations of fair credit reporting act in fair debt collection, practices at you will be required to appear in court venue local to me since you are clearly doing business in my area for the purpose of 15 USC 1692 et seq. This notice has the same effect as a dispute to the validity of your claims please note this note is an attempt to correct your records, and any information receive from you will be collected as evidence should any further actions be collected as evidence should any further actions be necessary? This is a request for information only and is not a statement, elections or waivers of status.
Product: Credit reporting or other personal consumer reports

In XXXX of XXXX I was notified that the info was used fraudualntly to obtain credit. I promptly filed FTC AFFIDAVIT and reached to the bureaus and creditors. 

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 haveI told XXXX and Transunion to reinvestigate this account they have listed as verified and accurate. How can it be accurate if both bureaus have it listed with different account number, XXXX and Closed dates. 
: XXXX XXXX {$17000.00} XXXX Opened XXXX XXXX Date of last Activity XX/XX/XXXX Closed XX/XX/XXXX XXXX XXXX {$17000.00} XXXX Opened XX/XX/XXXX Date of last Activity XX/XX/XXXX Closed XX/XX/XXXX It is also illegal to report XXXX on my report and also as new account! 

Transunion has illegally reaged this account. 
The credit bureaus stated everything was complete and accurate. But how is that possible if the account numbers are different, open date, date of last activity and much more is incorrect. 

The following inquiries are also not authorized were not given permission and I demand these to be removed.. 

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 According to 15 USC 1681i ( 5 ), credit reporting agencies are supposed to modify accounts that aren't reporting correctly.

I have attached a copy of my credit report to show proof of the blatant errors and misleading info on my report. that they have said were correct.

The credi bureaus are also not in compliance with METRO 2 laws,. 

I want the account and the inquiries removed along with inputting the correct info on crediit my report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ca XXXX I have been dealing with this for far too long and I will be taking legal action against TRANSUNION and XXXX for the violations of consumer my rights .I have alot of evidence to prove my case.
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened a US Bank checking account XX/XX/22. And when it was approved, I received notification of application for the US Bank XXXX XXXX XXXX credit card. I never applied for a credit card and never wanted another US Bank credit card, only a checking account. How a new credit card application was filed is beyond me. A hard credit inquiry on file on XX/XX/22 is fraudulent and not caused by me, XXXX XXXX. I called instantly on the same day the moment I saw it for US Bank to stop the application and cancel anything related to the credit card application. On XX/XX/22 XXXX XXXX XXXX representative of the US Bank at XXXX XXXX XXXX contacted me, letting me know that he apologized for the experience and advised me to send in a request to US bank to remove it, but it was denied.
Product: Debt collection

Please know I take my home responsibility very serious. This is the house that we built. We worked very hard to get it. it Keeps us safe from the storm our safe heaven My mother, my sister, my daughters, my sons, my grandchildren and future. My husband. We cant take it with us but you want take it from us! 

My complaint is my mortgage is a fraud, This is the 3rd time Ive asked for Shellpoint to provided me with legal documents that shows Shellpoint Mortgage Servicing has legal rights to service and legal standing to foreclose on my home. A welcome letter is not a legal document. 

The XXXX XXXX XXXX website : XXXX XXXX XXXX indicates XXXX XXXX XXXX XXXX as the servicer. MIN : status inactive. Investor : XXXX  XXXX XXXX XXXX XXXX  XXXX. No mention of Shellpoint Mortgage Servicing at all. An incomplete audit was given, in Shellpoint words " an accounting of funds ''. It is necessary for Shellpoint to provided a full securitization of the loan from the time it closed to the time it entered into Trust. Also a complete XXXX analysis Reports of the entire loan. 

I demand Shellpoint Mortgage Servicing to cease and dismiss all action on my home. And furthermore prove in their words " Shellpoint is not the owner of the debt and is servicing the debt pursuant to the loan agreement and applicable law '' By what law does Shellpoint have the authority to service my loan and the legal standing right to threaten foreclose? 

For the ones who are working for this Company this is not your fight. These are people homes who have worked hard its been enough people don't want to see us get ahead but than they use you to do the dirty work. we are talking about mothers, fathers, grandparents, children and other relatives. Why are we letting them take for us. 

This property have been paid for and the investor have received their share. Shellpoint please provided the full account of the loan. The copy of an The Assignment of Mortgage provided by Shellpoint is also a fraud it consist of robo signing which is illegal especially in a court of law. Name Examples : XXXX XXXX and XXXX XXXX they don't exist. Refer to Website : XXXX XXXX   XXXX no seal of acknowledgement was attached to the Assignment. They also filed the paperwork a year after the Notary Commission had expired. It to many variables which cause this loan to be a fraud. 

Note on Attached Documents Description of property on pg. 3 of 18 located in XXXX XXXX county. We reside in XXXX XXXX XXXX County Quick Claim Deed. Forged ignatures and why would be both need a quick claim deed if the home is in both XXXX XXXX and XXXX XXXX 2 Different Mortgage Satisfication 1 witness signature. Just to name a few. Keep looking you'll find others to many to list. I warrant and will defend the title to my property against all claims and demand to any encumbrance of demand.