23daVinci/CFPB_Complaints huggingface dataset:
Product: Bank account or service

Good Morning, I have been a Chase authorized user since for the past 13 years, I first opened my Chase account when I was a XXXX in fact because I had heard amazing stories from my parents about their professionalism, and how they truly cater to those bankers in the neighborhood. One of the best features for me as I got older was Chase Quickpay. It was an amazing tool to use being that I left XXXX to go to college out of state and was able to receive / send money back to my family in XXXX. As I 've gotten older it 's become even more beneficial as I have relocated from my hometown and use the function to send money to my family. Chase had this wonderful option which made me feel safe and secure that if for some reason I typed out an incorrect address or phone number I had a grace period where I can cancel the transaction, and the money would not be deposited into said account. I do n't know who is responsible for the decision making at Chase, but whoever thought it was a great idea to REMOVE that option and AUTOMATICALLY deposit the money into the 2nd parties account, really messed up. I sent a quickpay for {$740.00} to an incorrect address, I noticed immediately it was an incorrect address and notified chase as quick as possible. They said it would take about 3-5 business days to get a response or action on my claim and to keep my eyes peeled to my email address. The 3-5 business days had passed and I 'd yet to hear any thing back from the Bank, I called them myself to follow up and they informed me they would re-file my claim and get back to me. It has been a total of ( 17 ) days since I first filed the claim and I have yet to receive any type of follow up. I called Chase this morning only to be told that " Oh, well if you have n't heard anything back that means we ca n't help you, we do not have any Quickpay protection it 's up to the consumer to make the right decision. '' Seriously? That is the response I get? After waiting this entire time it took that gentleman 2 seconds to tell me this while the rest of the company has had me in Limbo? How can this be? How can you DELETE a function that protects your VALUED customers and then when an issue arises basically kick them to the curb and inform them that sorry, your money is n't our concern? How is this possible? I just want the situation rectified, I have complied with all of Chase 's demands and needs pertaining to this matter and yet there is nothing they can do at all to rectify the situation? How do you not plan for this or have a system in place to protect your customers. It 's crazy that after years of banking with them everything I thought Chase stood for it is actually the opposite.
Product: Checking or savings account

I am reaching out today in hopes that you can help me resolve an on-going issue. On XX/XX/18 my account number ending in XXXX was charged a debit of {$500.00} for a transaction with XXXX. I have never had service with XXXX nor did I authorize this charge, so I immediately disputed it. I was under the impression that this issue was resolved, however on XX/XX/18 this disputed transaction was re-debited from my account. Since then, I've spoken to several people in the disputes department in an effort to resolve this. As of today, nothing has been resolved and I have yet to get someone to help. I am hoping that you can help me rectify this on-going issue.
Product: Mortgage

Due to the struggle and hardship related to XXXX ( XXXX ), we enrolled on a extended forbearance plan that ended on XXXX XXXX 2022. After submitting and verifying our solicit form XXXX XXXX 2022 with the XXXX XXXX XXXX XXXXXXXX XXXX ( THAFP ), its been pending for response from the mortgage loan servicer Wells Fargo Home Mortgage Bank in order to MOVE FOWARD and complete the process. 

Since XX/XX/2022 we have made unsuccessful attempts to have our mortgage loan servicer respond to the solicited documentation from the THAFP efficiently. 

Wells Fargo had send to the THAFP, documentation regarding a loan modification approval, NOT REQUESTED and further more, after we have explicitly communicated our position to work with the assistance of the THAFP and repeatedly mention our OPOSITION and DENIED to have a loan modification offer by Wells Fargo. 

Up to this date XXXX XXXX XXXX  we haven't been able to resolve this circumstance and had EXHAUSTEDLY reach out by phone and in person, Wells Fargo Home Mortgage Bank, local branch XXXX XXXX XXXX, XXXX Tx XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Department, High Visibility Department, XXXX Team XXXX XXXX, Supervisor XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint regarding inaccurate information reported by XXXX on my credit profile. Despite multiple disputes and over XXXX months of waiting, these inaccuracies remain unresolved. The following accounts are being reported incorrectly, causing significant harm to my creditworthiness : XXXX XXXX XXXX XXXXXXXX XXXX Account XXXX. : XXXX ) The account status inaccurately reflects a charge-off of {$3300.00}. This information is incorrect and needs to be removed. 
XXXX XXXX XXXX ( Account XXXX. : XXXX and XXXX ) Both accounts are listed as collections with balances of {$1800.00} and {$2400.00}, respectively. These entries are unauthorized and do not accurately reflect my credit obligations. 
XXXX ( Account XXXX. : XXXX ) This account is falsely reported as charged off with a past-due balance of {$6500.00}. The information is inaccurate and harmful to my credit profile. 
XXXX XXXX XXXX ( Account XXXX. : XXXX ) This account is marked as Paid, Closed, but inaccurately reflects late payments. I have never been late on this account, and this misreporting must be corrected. 
FCRA Violations : 15 U.S. Code 1681e ( b ) : Failure to ensure maximum possible accuracy of reported information.

15 U.S. Code 1681i ( a ) ( 1 ) : Failure to investigate disputed information within the legally required timeframe.

15 U.S. Code 1681s-2 ( b ) : Failure of furnishers to investigate disputed information. 
XXXX XXXX : I am requesting the CFPB to : Require XXXX to immediately delete the inaccurate accounts from my credit profile. 
Ensure compliance with the FCRA and confirm the corrections in writing.
Product: Credit reporting, credit repair services, or other personal consumer reports

Cash Central responded to my complaint that they have nothing to do with an old payday account. The as of XX/XX/XXXX, have reported the account on my credit report. The recently replied to my complaint stating they would send documents for identity theft. They have never sent me anything in writing. This is the third time they have reported a debt they had previously removed from my credit report. Per the fair debt collection act, they can not report a debt once it has been deleted. The original complaint was XX/XX/XXXX and that was the last time they deleted it from my credit report. Upon further investigation, i found an old voicemail threatening to come to my work and be arrested. I kept the voicemail as I knew it was violating so many laws. This company is causing a lot of distress for something that was never mine to begin with. I want to make sure they stop this harassment. Please ensure they delete any information off my credit report permanently. If it continues, i will have no choice to to open a full investigation with the attorney general into this company. I do not owe them any thing and will never pay this debt that is not mine.
Product: Credit card

I entered into debt management with a company called XXXX in XXXX of XXXX. We sent proposals to all creditors and Discover accepted the contract for both of my credit cards. My account would be closed to keep the balance from increasing. Everything has been very smooth and Discover was great at changing the due date and reporting the new payment amount. My issue is it reports as closed by credit grantor when I believed it was my proposal that would close the account at my request.
Product: Credit card

As of today, Wells Fargo Bank is closing an account that I was to keep. It is a XXXX credit card that i was told XXXX times to keep, as per my previous complaint but in an attempt to retify the situation, I was again left in disbelief as to what they have asked of me. I noticed that when I sent records, the account was unfrozen on XX/XX/XXXX but then was frozen again on XX/XX/XXXX. This is a problem but the bigger issueis that I have received XXXX different letters, XXXX dated XX/XX/XXXX saying to have the paperwork sent in by XX/XX/XXXX and also received a different letter from the person who is working on my complaint, ( XXXX XXXX XXXX saying they needed until XX/XX/XXXX. That is a XXXX day and crucial difference! I called XXXX XXXX about these XXXX different dates only to hear that XXXX department has nothing to do with the other despite the addresses on the letters being the same, this is still the XXXX XXXX Credit Card Department but they act as XXXX different entities?! This make XXXX sense. He advised me to call a different number XXXX, which I did and got NOWHERE with this person... who tried to defend this until I mentioned to that I tried to close this account when the balance was lower back when I closed the business! What they are trying to do to me today ( from XXXX YEARS ago ) will destroy my credit and also, this is a nefarious act yet again by the bank to put their customers in worst positions possible. Closing my account with this XXXX day differential will also hit my credit report, leaving an unjustified balance and drop my score ; I will have to fight that as well!! These conflicting letters shows how far they will go to discriminate and deceive small businesses as well as tactics to destroy the credibility of their customers. I am submitting these XXXX confusing letters and ask that they be contacted with yet another way of scamming their way through the banking systems! I have also made notes on the letters as to who I spoke with and when. I have offered to have the card made into a personal one and transfer he balance and continue to make the payments ( as I have been since the day I have received the card and I have NEVER missed a payment ). I also have gone so far as to look at their social media and this is something they have been doing to many, many people and it seems we all have the same things in common. This is not about the card and thier poorly trained employees. Furthermore, I have spoken to XXXX different people and no one has been consistent or remotely knows what to do.
Product: Debt collection

I recently discovered there was a mortgage taken out in my name in XXXX of XXXX. The account information appeared on my home page for the mortgage serving company XXXX XXXX. My XXXX XXXX XXXX account was moved to this new company starting XX/XX/XXXX. I was shocked to see this mortgage appear. Researching the mortgage, I see the account was established on XX/XX/XXXX. The company named on this loan is Resurgent Capital, Resurgent Mortgage Serving. This is the same company I filed a complaint with CFPB, ( # XXXX ), on XX/XX/XXXX. Resurgent was attempting to collect a debt from a bankruptcy filed in XXXX. I explained to the person calling that day that Federal laws prohibit any attempts to collect on a bankruptcy 21 years later is in violation of the law. I asked for the callers name, ID case number, etc. They never came back on the line. So I have a mortgage account, falsely set up using an apartment I rented back in XXXX. We lived there for one year. I have all the supporting documents to show what they did. This is outright fraud. I have asked XXXX to remove this bogus mortgage from their website and they emailed back stating there is no way to remove it.
Product: Credit reporting or other personal consumer reports

This is purely identity theft. I do not recognize these accounts. They are damaging my good credit reputation!

In accordance with the Fair Credit Reporting act. These accounts have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX REMOVE THESE IDENTITY THEFT ACCOUNTS ASAP!!! 

I will never stop filing complaints against you because I know my rights!

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

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

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

On XX/XX/XXXX, I was a victim of identity thief. There were multiple accounts open under my name & I reported this to the lender, Home Depot & credit bureau, XXXX. Home Depot send me a letter on XX/XX/XXXX stating they will remove the hard inquiry. As in XX/XX/XXXX, Home Depot or XXXX  have yet to remove a fraudulent hard inquiry on my credit report known as XXXX/CBNA dated XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX permitted an account to be fraudulently opened with my maiden name, email address, date of birth, social security number, and a former residential address on XX/XX/2022. When questioned about how this was permitted, XXXX XXXX XXXX claimed that they use ChexSystems as their authenticator and that I could place a security freeze with ChexSystems to prevent future fraudulent accounts from being opened. I had previously placed a ChexSystems security freeze on my information on XX/XX/2022. When I shared that with the XXXX XXXX XXXXXXXX representative, she said that their system should not have permitted the account to be opened. Nonetheless, it did. XXXX  XXXX XXXX representative was able to close the fraudulent account, but did not provide any clear further actions that XXXX XXXX  XXXX would be taking to prevent a fraudulent account from being opened with my information in the future.
Product: Debt collection

I received a letter from XXXX, agent for Jefferson Systems Collections LLC on XXXX XXXX, XXXX. I subsequently sent XXXX requests for debt verification, the first denied as being received by XXXX and the second mailed Express Mail USPS and delivered on on XXXX and available for pickup ever since this date. Please make note of letter as the is address I mailed validation letter to as it is the address outlined in header. I addition, I also contacted the State of MD to further determine if XXXX was a license collection agency in the state and confirmed that is was not a licensed collector in MD. Convergence, who I contacted via USPS and phone is. However, they directed me to XXXX for follow-up surrounding the status of the debt verification and why they reported a debt that had been requested to be validated. XXXX 's agent who is a licensed debt collector in MD would not assist me or my daughter and frankly gave us the run around. Upon reaching, XXXX via phone, I was instructed that they were a debt collector and they did not have any information surrounding the credit reporting done by them and back dated to XXXX. I receive alerts due to experiencing identity theft and was alerted on XXXX/XXXX/XXXX that a " new '' entry was added to my credit report. As a consumer, I have the right to request validation of a debt within 30 days of receiving notice of supposed obligation, Jefferson and its agent XXXX, denied me my rights and subsequently, I have sent a cease and desist letter, a request for full verification of the alleged debt. Instead, Jefferson and its agent resorted in shady tactics and denied me my right within the first 30 days or receiving a collection notice validation of alleged debt. I have be adversely impacted and suffered.
Product: Credit reporting or other personal consumer reports

Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third-party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.
Product: Money transfers

Paypal allowed a XXXX dollar withdrawal from my paypal account. They have closed the case but did not return my money. It is a withdrawel from XXXX I do not know this person, I did not send any money to him.
Product: Credit reporting or other personal consumer reports

Request for Security Freeze on Credit Report Dear Sir/Maam : This letter is to formally request a security freeze on my credit report. 
I am concerned about unauthorized access to my personal information and would like a security freeze placed to prevent potential creditors from obtaining it without my authorization. With a security freeze, a temporary PIN will be required for anyone to access my report. 
My personal information is as follows : Full Name : XXXX XXXX XXXX Date XXXX XXXX : Date of Birth : XX/XX/year> Social Security Number : XXXX Current Address : XXXX XXXX XXXX XXXX XXXX New York XXXX For verification purposes, I have enclosed photocopies of the following documents : Government-issued ID Proof of residence Please send instructions on how to obtain a PIN to temporarily lift the freeze in the future. 
Thank you for your prompt attention to this matter. I look forward to confirmation of the security freeze on my credit report. 

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

This is my third attempt to explain precisely what the issue is. Previous complaint # XXXX was closed. I will elaborate. 

In XX/XX/2016, my small business opened a Credit Card with XXXX XXXX. This is a business account, not a personal account. The business is an LLC, and has all necessary documentation filed with the state as well as a EIN # for tax purposes. It should not be on my credit report. XXXX and Equifax will not remove this business account from my credit report. XXXX XXXX removed it from my report without resistance. 

I did not agree to a personal account, I specifically asked the agent on the phone for a business card. I was assured by the agent at XXXX XXXX that this was a business account, not a personal account. Repeated inquiries to XXXX XXXX were made after the account was opened, and I was assured over and over that this is a business account. the credit reports ALSO list it as a business account. I do not understand why it continues to be tied to my personal credit report. I would like to know the truth as to why this remains on my credit report. Was a misled into a credit product that is actually not a business card?
Product: Credit reporting or other personal consumer reports

Good evening, DENEFITS LLC claims that the account opened is verified but it isn't. 
That isn't me in the recording, all the information that is " verified '' is not my current info. 
The address in the recording is not my current address. 
The last XXXX of the card used is not an account I've had. 
The only thing that's the same is my email. 
Also, they haven't uploaded any contract, they just uploaded what seems to be XXXX screenshots of of their internal processing my account. 
It doesn't prove anything. 
I have gone and said that this account is a result of identity theft and they have not proven otherwise. 
Please have them close this account and remove it from my credit report.
Product: Payday loan, title loan, or personal loan

This debt older than 7 years and should be removed from my credit report. I contacted them to inform them, however, they have not removed it. The debt was charged off in XXXX of XXXX -- more than 7 years ago now. They had closed off the account long before this date. 

They claim there was activity on the account in XXXX. This would be impossible since they charged it off in XXXX.
Product: Debt collection

Ive never done any business with this company and they have not verified this account that they put on my credit report. They are violating several laws including but not limited to 15 USC 1681a ( d ) 2 ( a ) i which means they shouldnt report anything between me and the company to the credit bureaus.
Product: Credit reporting or other personal consumer reports

Contact Information FTC Report XXXX : XXXX I am a victim of Identity theft. This is my official statement about the crime. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Personal Statement Numerous unauthorized inquiries and alot attempts to aplly for various services inder my name. I observed a significant increase in suspicious activities associated with my personal information including financial products Additional my Old XXXX  XXXXXXXX XXXX i cant even get back in. had been compromised and I currently locked out before thta XXXX XXXX said i had filed i told them no thats not me. Unable to crucial information. im take. taken necessary authorities amd implement security measures. Effect data breach. And so many more others.. appropriate actions to mitigate future damage Tax Fraud Date that I discovered it XX/XX/XXXX Fraudulent Information on Credit Reports Accounts or Charges Yes, fraudulent accounts or charges appear 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 https : //www.identitytheft.gov Under penalty of perjury, I declare this information is true and correct to the best of my knowledge. 
I understand that knowingly making any false statements to the government may violate federal, state, or local criminal statutes, and may result in a fine, imprisonment, or both. 
XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Date Use this form to prove to businesses and credit bureaus that you have submitted an FTC Identity Theft Report to law enforcement. Some businesses might request that you also file a report with your https : //www.identitytheft.gov/ #/
Product: Debt collection

XXXX XXXX XXXX ALONG WITH THEIR CONSORTIUM CIRCUS VIOLATED MY CONSUMER PROTECTION RIGHTS ABROAD! ATTACHED FIND MORE ...
Product: Debt collection

I have been receiving multiple phone calls from XXXX XXXX XXXX XXXX regarding a debt I owe on a credit card. On X/XX/2017 they provide personal information regarding this debt ( amount owed, attempt to collect a debt, asked the person if they could pay my debt, etc ) to a person unrelated to me that answered my phone number. They additionally are constantly calling and harrassing my place of employment and told my employer that I said that they would pay for my debt which is a lie. I have told them I am responsible for this debt. They are repeatedly harrassing them and my company has asked me several times to make them stop. I have asked XXXX XXXX XXXX multiple times for them to stop calling my employer and they still continue.