23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Chase Bank state that they can not verified my cellphone under my name in order to released my personal check that was deposit into a Chase account XXXX XXXX XXXX for investment purpose. 

In all XXXX bureaus they showed my cellphone but they keep saying that in their database it does not show the cellphone under my name. 

Its been more than a month! I need my money back that was deposit from my XXXX XXXX XXXX XXXXXXXX checkin account.
Product: Credit card

I paid off my Capital One credit card in XXXX XXXX 2023 and the next time I need to use it declined and when I called all they said they can't find my account. They still send me a email saying check your monthly statement .... I login and it says error was trying again later .... Call no information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax ; XXXX and XXXX should not be reporting a collection/chargeoff in the amount of {$1300.00} on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account was paid in full XX/XX/2020. I have attached a copy of the transaction receipt. This account needs to report a {$0.00} balance and not reporting as a collection/chargeoff. This false reporting is seriously harming my credit score and this line item needs to be removed from my credit report. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureaus to fix this however, I have not been successful.
Product: Debt collection

KLS debt collection agency has attempted several times to collect a {$180.00} debt from me that does not belong to me. I have called them to let them know that this debt is not mine. The guy tried to bully me and then threaten me with a damaged credit report. I proceeded to tell him that they have the wrong person that this debt does not belong to me but he persisted. Not only did he try to get me to pay it even after i informed him that it does not belong to me, they are reporting it on my credit report twice! I also noticed that they changed the dates and re-aged the account. They have violated my rights! I called the credit bureaus and they did not remove it from my report. Please help me in getting this removed. They are bulling people out of money with illegal practices and thinking they can get away with it.
Product: Credit reporting or other personal consumer reports

Have requested multiple times for this Account to be removed from my report. 
XXXX XXXX. Multiple letters sent, multiple disputes from me and XXXX to remove account. 

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

I filed a complaint { XXXX } on XXXX-2017 because Equifax refused to remove my authorized user trade-line. Besides my authorized user trade-line, I also have other XXXX XXXX accounts that are not authorized user accounts. Equifax deleted account XXXX - {$24000.00} - XXXX XXXX XXXX XXXX as instructed ... however they deleted all of my XXXX XXXX accounts to cause me harm. I called and spoke with a manager to no avail. He was very rude. I need Equifax to place my accounts back on my credit report. The account numbers are XXXX ... XXXX ... XXXX ... XXXX ... XXXX ... XXXX ... all are XXXX XXXX XXXX XXXX accounts.
Product: Vehicle loan or lease

Opened account on XX/XX/XXXX, paid as agreed up to todays date of XX/XX/XXXX. 
Santander has refused to timely communicate or resolve the 4 missing payments to date. 
The dates of the missing payments are XX/XX/XXXX,XX/XX/XXXX and 2 payments combined on XX/XX/XXXX. 
Santander uses a 3rd party to process their payments ; XXXX XXXX speed pay. 
XXXX XXXX confirmed they processed these payments successfully, and certified/notorized bank statements have been provided as well. A complaint about this issue, but only the first 2 payments were involved, the payments from XX/XX/XXXX are completely seperate and new. 
Santander has had numerous similar complaints filed against them that are available on the internet. 
They are acting like thieves, not returning calls or communicating to resolve this major issue. 
My attorney has attempted to contact Santander, only to have Santander claim they needed a release to discuss my account, but a release was provided over a month ago, confirmed received by Santander, but still no contact. 
This behavior is unacceptable, and harmful to me, as my credit score went down over 150 points and lost income. 
Their policies are against the laws and need to be rewritten to comply with the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called XXXX and TransUnion credit bureaus after I purchased a credit report from XXXX XXXX  on XX/XX/XXXX. After receiving a copy of my report, I saw this UNVERIFIABLE items on my personal profile, I noticed that there were : XXXXXXXX XXXX XXXX XXXXXXXX, TX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX BANK XXXX XXXX XXXX : XX/XX/XXXX Balance : {$640.00} on my credit report which are UNKNOWN to me. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. This is disappointing because I have been paying XXXX XXXX  to get a report every month and I have been disputing fraud account on my credit report all this time. XXXX of the staff told me to visit https : //www.ftc.gov/ and Report the Fraudulent account and have it BLOCKED OR REMOVED from my credit file. Ive attached a copy of the identity theft report ( FTC report # : XXXX ), and guess what I found? Per Fair Credit Reporting Act Section 605B ( a ) the credit bureaus are required to remove/block any account which was opened without my knowledge, consent or authority within XXXX business days with ( XXXX ) appropriate proof of thief identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX and I am submitting this complaint without any influence from and third party or agency. Please see attached documents and ID ad it contains my full complaint request.
Product: Money transfer, virtual currency, or money service

On Thursday, XX/XX/XXXX I opened a Square account in order to process a credit card payment from a VA Contracting Officer. The payment was for a successfully completed contracting job where I was building a website in order to help a VA physician run a study. I created the Square account using accurate information about myself and linked my bank account. The total amount of the payment was to be {$3800.00}. On the XXXX, I spoke with the Contracting Officer on the phone and he gave me the credit card information to be entered for the transaction. I put the transaction into Square, and thought that would be it. However, later that day XXXX XX/XX/XXXX ) I received an email saying that due to unusual transactions transfers were being suspended on my account. The email linked me to a Square website which prompted me to upload several documents in order to verify my identity and the legitimacy of the transaction. I provided all requested documentation. I linked my bank account through Plaid, sent a copy of my driver 's license, and even uploaded a copy of the signed invoice with signatures from both myself and the VA physician with whom I had been working. Two days later, on Saturday XX/XX/XXXX I received an email informing me that my Square account had been deactivated and that my funds would not be released until XX/XX/XXXX. They told me that Square would not be able to " meet my business needs at this time '' and that the decision was final. When I attempted to contact Square customer support on the phone, because my account was deactivated the system did not allow me to speak to a human being. I sent them an email message from their support website which was also unanswered. My business did not and does not violate the business that they say are allowed, and the singular transaction that I processed was completely legitimate. They gave no information as to why my account was deactivated, and it has been impossible for me to determine the cause.
Product: Credit reporting or other personal consumer reports

XXXX " apparently '' verified that I have an unpaid debt and account abuse of XXXX ( XXXX ) checking acounts with them ACCOUNT ENDING IN XXXX, per what XXXX is stating Yet again, chexsystems have failed to provide me with a copy of any viable evidence submited by XXXX. Be advised that the descripton of the procedure used to determine the accuracy and completeness of the informaton is hereby requested, to be provided within fiteen ( 15 ) days of the completon of your re-investgaton. Additonally, please provide the name, address, and telephone number of each person contacted at usbank regarding this alleged account. I am formally requestng a copy of any documents provided by usbank, bearing my signature, showing that I have a legally binding contractual obligaton to pay them. A bank clerk looking at their computer screen, seeing my name listed in their database is NOT verificaton or validaton of any alleged debt and account abuse of a checking account ( s ). Be aware that I am making a final goodwill atempt to have you clear up this mater. The listed item is entrely inaccurate and incomplete and represents a very serious error in your reportng. Failure to comply with federal regulatons by credit reportng agencies are investgated by the Federal Trade Commission ( see 15 USC 41, et seq. ). I am maintaining a careful record of my communicatons with you for the purpose of filing a complaint with the FTC, CFPB and the state of Minnesota Atorney General 's office, should you contnue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non- compliance. Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature will result in a small claims acton against your company. I will be seeking {$5000.00} in damages for the following : 1. ) Defamaton 2. ) Negligent Enablement of Identty Fraud 3. ) Violaton of the Fair Credit Reportng see attached additional documents and information
Product: Money transfer, virtual currency, or money service

I sent money via XXXX through Bank of America to a person whom I thought was a XXXX  and personal friend. I thought I was purchasing a car and giving a deposit. I contacted BOA immediately after realizing I was scammed in hopes they would protect me and reverse the transfer while it was still pending. BOA took the complaints and supposedly filed them as fraud. The transfer is now complete.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a late payment on my account that should never have been there. I have been set up on automatic payments since the beginning of the account, I had one month that i paid it and the site said they received the payment but then 30 days later they told me they never received it. That is the only thing i can think of but that was not my fault. I've tried getting this removed but have not had any success in addressing with the credit bureaus or talking with the company. Please help me to get this removed as it was not my fault.
Product: Credit reporting or other personal consumer reports

As a consumer, I actually have protection under the law that is delivered to me to secure me from misinformation simply being noted on my credit report. At this time I would like to prepare a final appeal for investigation before I confer with my own counsel to obtain advice on how to handle fraudulent, incorrect and unverifiable collection accounts that are keeping to be established as correct. Be sure to generate me with a duplicate of the agreement signed or voice interaction where I permitted charging me regarding this account. 
XXXX 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: Debt collection

Today, Credence call 77x 's on XX/XX/XXXX and 55x 's on XX/XX/XXXX and many prior times before, they call every morning stating at XXXX to XXXX and evening calling after XXXX. They are XXXX and XXXX  me daily adding to my illness. they call with XXXX, XXXX, XXXX and ocassionally unknown number directly after calling on a visual number. I have not done business with them this number belongs to me only.
Product: Debt collection

I have requested a 1099-c for an auto loan due to a charged off account. I inquired with them why i still owed the debt when it was already charged off and I did not get the documentation I requested. They still tried to coerce me into making future payments and denied me validation of debt and the 1099-C for tax purposes due to a charged off account. I am requesting this or would like this information from my auto loan completely removed from all the credit reporting agencies if they are unable to provide the legal and required documents. Global Lending Service charged of this account in 2023 and have still not provided me the document. XXXX XXXX. XXXX XXXX
Product: Credit card

On XXXX XXXX, a PayPal Credit account was open without my consent. A credit inquiry was made by PayPal credit with XXXX. Once I found out I immediately notified PayPal credit of the fraud and closed the account. I was told to fax in a letter explaining the situation and PayPal Credit would contact XXXX directly and have the inquiry removed. I faxed the letter and received a letter from PayPal that I need to contact XXXX myself. So I did so and XXXX informed me that PayPal must contact them directly, I can not resolve the issue alone. So I informed PayPal of this and again they told me to fax a letter explaining everything and they would handle it. I sent my XXXX fax to them and received the same letter as before saying that I must contact XXXX directly. I called PayPal again and spoke with a manager named XXXX XXXX she basically told me its my problem and they refuse to do anything for me.
Product: Mortgage

Specialized Loan Servicing, my lender has not approved me for any loss mitigation options. Now, I am trying to appeal on their decision but will not accept my appeal through their fax or email. They want me to send thru snail mail which will take a very long time and they wont accept my appeal as they have a deadline on submitting the appeal. I already sent it through fax but they wont accept it.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Report Act- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX These companies have violated my rights 15 USC 1681 section 602 8 states I have a right to privacy.

15 USC 1681 section 604 A section 2 i, also states a consumer reporting agency can not furnish my account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

Notice To Intent Equifax, a global data, analytics, and technology company, who play an essential role in the economy by helping companies in diverse industries such as automotive, communications, utilities, financial services, XXXX, XXXX, insurance, mortgage, professional services, retail, XXXX XXXXnd government agencies, make critical decisions with greater confidence. Equifax who also collects personal information from XXXX XXXX XXXX XXXX XXXX XXXX ( " XXXX '' ) is a provider of bankruptcy information to Equifax. In my case, my Bankruptcy was obtained unethically because, I was an Uninformed Consumer during this Transaction and you have defamed my character and has affected my Livelihood. You stated that you obtained my bankruptcy from XXXX XXXX however, XXXX XXXX has removed the bankruptcy due to FCRA Laws not being followed. Please see Supporting Documents.
Product: Checking or savings account

On XX/XX/XXXX, Bank of America says the began an investigation into my account holding my social security retirement funds for the month of XXXX inside. Since then, the account has been " up for review ''. I have called them tens of times on every number they've given me and no resolution or information on how to get my money back has been given. 
As of XX/XX/2023 my account is still locked and now the XXXX payment that was sent today has been sent to that account even though I contacted social security to change my information. I am living on the street while my only income, my social security, is being withheld from me by Bank of America.
Product: Debt collection

My personal information, including my Social Security number, date of birth, and financial account details, was compromised in the breach, leading to the unauthorized opening of accounts and the accumulation of fraudulent debt in my name. I have no knowledge of an account with XXXX XXXX the original listed creditor.
Product: Vehicle loan or lease

On XX/XX/XXXX I called USAA auto loan companies to get an extension on my auto loan for the Month of XXXX because I was already paid all the way through XXXX. The initial representative made a mistake and processed it for the paid month of XXXX and had to speak to a supervisor so they could correct it Ive been calling for hours at a time for them to practice and they still have not corrected it saying that they used my extension for the month of XXXX a paid month I was told multiple times they would correct it they will listen to all the phone calls and make sure that my next payment was not due till XX/XX/XXXX and that XXXX the proper month would be extended or deferred. After paying my auto loan biweekly for the past couple of years I am very upset that now that I have medical situations that cause me to ask for a one-month extension the one with extensive has been placed in properly and has now affected me in a negative light even though it should not I am asking for someone to step in and make sure that they process the extension/deferment properly for the month of XXXX and not take my XXXX payment and use an extension for a XXXX balance that is unfair to me as a consumer there are plenty of notes that stem from XX/XX/XXXX all the way through the month of XXXX there are voice recording this was an easy thing for them to correct they couldve either apply the extension properly for XXXX or Or simply use the XXXX payment for XXXX since the process to the extension for XXXX this is not difficult please look into the notes and make them correct this as Ive been a USAA member for 20 years with no delinquencies and now this may cause that and it was USAA bank error and they said fix this immediately thank you
Product: Debt collection

they did not respond with information requested within 30 day ltr to them dated XXXX XXXX THIS IS NOT MY DEBT
Product: Mortgage

PHH mortgage Servicing. I contacted my mortgage company about getting a deferred payment due to the covid19 virus. they are not willing to help on payments
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a XXXX dollars due feed on my credit report. The report states that it comes from XXXX. XXXX advices that it is not theirs. I need to claimed XXXX XXXX And find out if it is theirs.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts and inquiries listed below are all fraudulent and were opened without my consent and it is against consumer law to report fraudulent information on consumers credit report. 

Fraudulent Accounts TransUnion XXXX XXXX Bank Acct # XXXX Fraudulent Inquiries TransUnion XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Debt collection

Company failed to offer any documentation regarding this debt. I ask them to provide proof that I owe this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX XXXX XXXX Account XXXX, XXXX XXXX XXXX XXXXXXXX Account XXXXXXXX XXXX Account XXXX XXXXXXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX Account XXXX XXXX, XXXX XXXX Accounts # XXXX. 

has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the 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 crimes which antedates the report by more than seven 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 the information is inaccurate.
Product: Mortgage

I closed on my first home XXXX. My payments were set at approximately XXXXmonth. This was with escrow, interest, taxes etc. In XXXX of XXXX The Money Source sent me a letter informing me there was a surplus in my escrow account and they would be fixing this moving forward lowering my monthly payment amount. Within the past week I received a letter stating my escrow account is under funded by approx {$6800.00}. I called to find out the issue and was informed the money source believed I would only pay XXXX/yr in taxes since that is what was paid on the home for XXXX. The only reason that was the amount paid of the home in XXXX to XXXX County was because the previous owner was a XXXX veteran. This was known and calculated upon closing. We even got a appraisal from the county tax clerk before closing to find out what taxes on the property would be moving forward hence why in closing my mortgage was set at approx XXXX/month. The money source changed the agreement without having ever asked any questions about such a large discrepancy. They now was me to pay {$6800.00} within 60 days to bring my monthly mortgage back to where is was supposed to be originally. They provided other options like making half of the sum and my monthly payment would be XXXX/month. The customer support personnel agree this is a massive oversight on their part but ultimately decided its not their fault and they don't see any other options than the ones they gave in the letter.
Product: Debt collection

My Loan was transferred from XXXX to Fay Servicing in XX/XX/XXXX. I had XXXX XXXX XXXX. Both in XXXX. At that time was in a payment plan to catch up on XXXX payments. Before I could finish the plan, my loan was transferred. In addition, the loss mitigator from XXXX indicated in the email being attached that I would have to be re-evaluated for XXXX. 

Now, this company prints out that the last payment received was XX/XX/XXXX, when I have been paying the whole year on the payment plan. I have been unsuccessful at getting anyone to understand this and need help. They have my loan as if no payments are being made. 

The account manager has been emailed and called. Nothing is being returned. I am in danger of losing my home. I am asking for three months to get my loan current. The representatives are either rude or giving me misinformation. They girl told me on the phone they will be sending a letter to me asking for over XXXX at one time. I also recently received another document in the mail asking for XXXX, which is what is owed on my mortgage. 

If there is anything someone can do to stop these people, please help me. I have no money for a Lawyer to sue them.