23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/2022, I moved out of the apartments XXXX XXXX. Prior to moving my roommate and I signed documents to end the lease in 30 days. Which would have been to move out XX/XX/2022. On XX/XX/2022, I received a dept collection letter in the mail saying I owed {$3400.00}. I then called XXXX XXXX but they never gave me an answer. I ended the lease and I still dont know why I was charged rent for three month.
Product: Credit card or prepaid card

My name is XXXX XXXX XXXX ; I moved in 2016 to my new address. Synchrony Bank were sending out my credit card information to my old address of XXXX XXXX XXXX XXXX, XXXX Arkansas ; after I had reported my new address to them. Someone or businesses stole my identity at this old address, through email or etc. I was viewing my credit card statements, and have been continuing to pay these fraudulent charges on credit cards that I never made. I have been in the hospital fighting Triple Negative XXXX XXXX for the past few years.After viewing my mail, card security had paid off my credit cards statements due to XXXX. I should have a zero balance after my cards were paid through card security/ Synchrony Bank . I havent made a purchase on cards in several years. The fraudulent cards includes, XXXX, last XXXX digits ( XXXX ) XXXX, last XXXX digits ( XXXX ) XXXX XXXX XXXX last XXXX digits- ( XXXX ) XXXX  last XXXX ( XXXX ) XXXX XXXX master card, last XXXX digits ( XXXX ) - I reported this card opening in my name as fraudulent. XXXX last XXXX XXXX : I didnt authorize anyone to use these cards after they were paid to a zero balance. Its totally not fair to me to keep making payments on these cards. Im not sure if my card ( s ) information were stolen online, in store, or old address. I have been reporting these cards as stolen through credit bureaus but Synchrony Bank refused to investigate these following cards as fraudulent. I however since fraudulent charges were made on my cards refused to keep on paying for something I never used.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good Morning I am submitting an Complaint that I have with XXXX, XXXX, and Experian regarding XXXX  XXXX this company is reporting a 30 day late for XX/XX/XXXX, a 60 day late for XX/XX/XXXX, a 90 late for XX/XX/XXXX, a 120 day late for XX/XX/XXXX, 120 day late for XX/XX/XXXX, a 120 late for XX/XX/XXXX and another 30 day late for XX/XX/XXXX. I disputed with 609 letters for several months starting in XX/XX/XXXX, citing unverified lates reporting however it always came back as verified with the 3 bureaus. I suspect XXXX auto verification is being used because when the bureaus were responding it always came back with the same generic auto response of verified or meets FCRA. This is a violation of my rights because they were not doing their due dilligence investigating. Furthermore I asked for the method of verrification because there was no lates on my behalf. Please have them update all the lates on my credit report to positive.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am missing up-to-date credit information from use of my XXXX XXXX credit card at the three major credit reporting agencies. This can be seen in Complaint ID numbers XXXX, XXXX, and XXXX. In summary, when I call all three agencies they say they only report what XXXX XXXX sends them and that is the issue, they do not have the complete information. When I called XXXX XXXX to ask them why this is the case. They say I need to go back to the credit agencies because they have sent them up-to-date information and they are not reporting it correctly. I am now left with severely falling credit scores as a result and having no clue what to do next. I have made all my payments on time and for the total amount due in all cases. I need help as one party is not telling the truth and I am caught in the middle.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have called, sent written notice, and disputed online for inquiries that I do not recognized and/or authorize. 

XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXX/XX/2019XX/XX/2019
Product: Money transfer, virtual currency, or money service

I am trying to recover/claim from Chase Bank XXXX check # XXXX to the pay order of {$5200.00}. The date of issue : XX/XX/XXXX by XXXX XXXX, Nevada XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, NV, XXXX, approved for the XXXX XXXX Assistance Program for applicant. The check arrived to the address on or around XX/XX/XXXX. Without consent, a former tenant took the check and deposited into his Chase Checking Account through the ATM at the XXXX and XXXX bank. His bank account was frozen and then closed within a week. The {$5200.00} check was cashed and the funds were held without an explanation by Chase Bank in a " special '' account since XX/XX/XXXX. I contacted Chase Bank several times always leading to nothing. We buried my dad on XX/XX/XXXX. The power of attorney had expired and the focus went into handling my dads affairs. It was to early to know what to do at this time. I was the only person handling all of his affairs. 
My dads assets were under {$25000.00} and probate is not required as stated by the state of Nevada. There was also no will. I took ownership on XX/XX/XXXX of the property in, XXXX XXXX, NV by a deed upon death document. On XX/XX/XXXX, I sold my property. I paid off my dads debt and also his reverse mortgage loan that had started the foreclosure process. I also filed my dads tax return. I received a 1099 for the {$5200.00} from the office of the comptroller even though my dad or myself never received the funds. 
To claim the funds, I presented all of the necessary documents needed for release to a Chase banker as required by the State of Nevada : Small estate Affidavit, Affidavit of Heirship, my dads Death Certificate, my dads drivers license, my passport, copy of the deed upon death, copy of the payoff spreadsheet for the property. I was told that I needed a document from probate showing that I was the Executor of the Estate. My dads total assets were under {$25000.00} and a deed upon death was left to his heir, myself. There was no probate required in the state of Nevada. It has now been almost 2 years. Chase Bank has given me the runaround and is keeping the funds that do not belong to them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I wrote to dispute to XXXX XXXX using Credit Karma if they could consider a Goodwill request removing late fees I had back in 2018. It was a 30 day late and the full credit line was paid days later. Since I have never been late on either of the two accounts i have with XXXX XXXX. Credit Karma is only submitting responses or request I have sent in the past and will not allow me to send the request Im asking for.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made sure to make my payments on time for AMEX XXXX. This account should not have a late payment status in my record. Make sure to provide me with any documentation about the late payments being done in the months indicated in the report.
Product: Mortgage

I ( XXXX XXXX ) and my husband XXXX XXXX purchased our first home brand new in XXXX at XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX. 
The mortgage company at the time of purchase was XXXX Mortgage then, in XXXX we received notice that XXXX was selling off some of its mortgage policies to Wells Fargo in North Carolina. 
After continuing to make auto-payments from our XXXX checking account to our Wells Fargo mortgage account. We received notice in XX/XX/XXXX or XXXX that Wells Fargo did not apply our auto payments from XXXX in full to our monthly mortgage bill. Wells Fargo stated we were 8 months behind and in the letter said we had 30 days to bring our account current. My XXXX account showed all electronic payments were made. I asked for an accounting summary from Wells Fargo. I received it 30 days later. There were XXXX or XXXX transactions made by Wells Fargo accounting department that showed various amounts of withdrawals and various amounts of smaller if no deposit back to the mortgage account. 
My husband and I have never banked with Wells Fargo so, neither of us had access to the mortgage account to make any withdrawals. In addition, each month I received a bill showing the payment had been made. At this point the Wells Fargo accounting and headquarters refused to talk with me or assist me in finding out what happened and correct the fraudulent unauthorized transactions. Wells Fargo put us behind by XXXX to XXXX payments ( I recall ) then, they sent a Foreclosure notice and started adding attorney 's fees. They refused to help correct or prove who withdrew the various amounts from my mortgage account or acknowledge that each month that we received a bill showed all payments were made on time and in full. I contacted the XXXX XXXX XXXX XXXXXXXX office to file a complaint and ask for help. They responded that there were no other complaints at the time and they recommended I hire an attorney on my own. I called and met with multiple attorney 's. All told me that the Attorney Generals office is the only way I would stand a chance of getting Wells Fargo to admit they committed fraud as my XXXX XXXX  sent me proof that all funds were sent to Wells Fargo. At that point I felt I had to sell both vehicles to pay additional money to Wells Fargo to keep them from leveraging XXXX XXXX XXXX '' Foreclosure on my home based on their internal theft. All in all Wells Fargo stole 8 payments of XXXX XXXX  monthly payments and then, XXXX  me for another {$8000.00} to pay them to stop the foreclosure.
Product: Debt collection

Re : Re : XXXX # : XXXX XXXX XXXX ( XXXX ) Amount {$8500.00} Resurgent Capital Services, XXXX XXXX XXXX, L.P., and LVNV FUNDING LLC are seeking debt payment in the amount of {$8500.00} for a XXXX XXXX credit card that I secured through XXXX XXXX. I reply to them numerous times and told them that the account was paid in full since XX/XX/XXXX. From the day I secured the account, I set up auto-pay and pay the account until XXXX XXXX stopped taking payments in XXXX of XXXX. 

When I received the request for overdue payment from XXXX and then Resurgent, I told them the items purchased XXXX had 24 months interest-free and another one had 12 months interest-free. Further, I explained to them that according to the calculations of the total payment XXXX XXXX withdrew from my account. The credit card was paid in full in XX/XX/XXXX plus additional payments until XX/XX/XXXX. I asked them to provide me with a copy of the XXXX XXXXXXXX dated : XX/XX/XXXX to XX/XX/XXXX, which, it would show if they withheld the interest charge as stated on the purchase agreement. They have not been able to provide me with statements ( XX/XX/XXXX - XXXX XXXX ) and the credit collectors refused to remove the negative off my credit reports from all the bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was shocked when I reviewed my credit report and found late payment on the dates below : Creditor : XXXX XXXX XXXX XXXX Account # XXXX I was never late 30 days XX/XX/XXXX 30 days XX/XX/XXXX 60 days XX/XX/XXXX 120 days XX/XX/XXXX 

Im not sure how this happened, I have always made my payments on time to you when I received my statements. My only thought is that there was a billing error with my statement.
Product: Bank account or service

On XX/XX/XXXX i opened up a checking and money market accts@Citibank.I was assured that both accts would be tied together to eliminate any service charges to my checking acct.XX/XX/XXXX i went to my bank and found out a $ XXXX/mo service was in fact being charged to my checking acct.I phoned customer service @ XXXX and spoke to a supervisor named XXXX, who informed me that no service fee was charged to my checking from XX/XX/XXXX until XX/XX/XXXX.On XX/XX/XXXX a ( Sweep ) was performed to my checking acct which somehow activated a {$30.00} service charge to my checking.XXXX informed me that a {$630.00} credit would be applied to my checking.XX/XX/XXXX to XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

CFPB personnel : I have reported CFPB and HAVE ASKED MY CONGRESSWOMAN TO GET INVOLVED AS the three credit bureaus for pencil whipping fraudulent activity by the CFPB and the three credit bureaus, for NOT PROPERLY INVESTIGATING, UNDER SECTION 609 OF FCRA, FALSE AND ILLEGAL ITEMS FROM IDENTITY THEFT ON MY CREDIT REPORT. THE THREE BUREAUS, DESPITE ME SENDING THEM A LETTER WITH MY SIGNATURE AND FIVE PROOFS OF MY IDENTITY AND ADDRESS, AND DESPITE THIS ADDRESS BEING ON MY CREDIT REPORT, AND DESPITE MY LETTERS HAVING MY NAME AND SOCIAL SECURITY NUMBER ON THEM FROM THREE DIFFERNET GOVERNMENT AGENCIES, XXXX XXXX AND TRANSUNION REFUSE TO INVESTIGATE AND REMOVE XXXX XXXX XXXX AND XXXX XXXX AND XXXX XXXX XXXX XXXX FROM MY CREDIT REPORT. THESE ACCOUNTS ARE ALL FRAUDULANT, ILLEGAL, RE-AGED, AND INACCURATE AND BETTER XXXX BE REMOVED BECUASE IM SUING XXXX TRANSUNION AND XXXX FOR PAIN SUFFERING AND EMOTIONAL DISTRESS!! SEE ATTACHED FCRA SECTION 609 LETTER AND PROOF OF MY INDENTITY!! I CAN NOT AFFORD TO SEND THESE LETTERS CERTIFIED MAIL!! I I AM A XXXX PERSON AND DISBLED VETERAN AND THESE COMPANIES REFUSE TO PRODUCE AN ORGIGINAL CONTRACT WITH MY SIGNATURE, THIS DEBT IS NOT MINE AND IS NOT VALID. THE CFPB IS REFUSING TO INVETIGATE MY LAWFUL REQUEST TO REMOVE FRAUDULANT ITEMS ON MY CREDIT REPORT, AND THE BUREAUS ARE REFUSING TO PROVIDE SECTION 609 DATA AND INVESTIGATE AND REMOVE XXXX, XXXX AND XXXX XXXX GROUPS FRAUDULANT ITEMS ON MY CREDIT REPORTS. I HAVE IDENTIFIED MY SELF REPEATEDLY ACCURATELY IN WRITING AND THESE COMPANIES REFUSE TO REMOVE UNDER 609 THE ABOVE COMPANIES FRAUDULANT ACCOUNTS FROM MY CREDIT REPORT!! CFPB, GET YOUR STUFF TOGETHER!! A STATEMENT BY A COMPANY IS NOT REPEAT NOT A VALID ALLEGED DEBT VALIDATION UNDER ANY COURT OF LAW, AND CFPB IS ALLOWING FRAUD TO OCCUR UNDER FCRA IUNSTAEAD OF SUING THESE COMAPNIES WHOM REFUSE TO INVESTIGATE XXXX, XXXX XXXX, AND XXXX XXXX XXXX. CFPB, REPEAT, A STATEMENT FROM A COMPANY, XXXX XXXX XXXX IS NOT NOT A VALID REASON TO PLACE A FRUADULANT ITEM ON MY CRDDIT REPORT. IT IS NOT ADMISSABLE IN COURT, ONLY A VALID SIGNED CONTRACT WITH MY SIGNATURE WHICH THE BUREAS HAVE NOT PRODUCED! I HAVE REPORTED THESE CREDIT BUREAAS TO DC AND TEXAS AND CALIFORNIA AND GEORGIA ATTORNEY GENERALS AND I WILL SUE THEM IF THESE FRAUDUALNT ACCOUNTS ARE NOT REMOVED. CFPB : THESE COMPANIES ARE LYING TO CFPB AND STATING THIS IS NOT A VALID CREDIT DISPUTE EVEN THOUGH IVE PRODUCED 5 PROOFS OF MY IDENTITY THROUGH CFPB INCLUDING MY DC ID CARD WITH AN OLDER ADDRESS AND PROOF ON GOVERNMENT LETTERHEAD OF MY NEW ADDRESS, WHICH IS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX!! I HAVE ASKED MY CONGRESSWOMAN TO GET INVOLVED AND CFPB DIRECTOR WILL BE HEARING FROM CONGRESSWOMAN NORTONS OFFICE IN THIS MATTER!! 
CFPB, YOU CAN NOT ALLOW THIS TO CONTINUE LEGALLY, THESE COMPANIES ARE DESTROYING THIS VETERANS LIFE AND CAUSING HIM HEALTH PROBLEMS!
Product: Vehicle loan or lease

Hi, I was supposed to be a co-signer for my brothers car and I spoke with the lenders and the dealership to make sure that I was indeed the co-signer only and they assured me yes. So I started receiving bills showing that I was the owner and today I spoke with the representative and she stated to me because my credit was better they flipped it without my consent nor knowledge. This is a crime.
Product: Mortgage

I was a victim of mail fraud and corruption. I defaulted on my house and needed a VA home modification loan in XX/XX/2019, I filed for the modification with HuntingtonNationalBank. In XX/XX/2019, I spoke with the analyst, they stated that I was approved for a full VA home modification loan but I just need to send the agreed upon documents. I sent them in but Huntington National Bank Mortgage department suspended finishing my loan, they then changed my status and denied me from a full VA home modification loan. They sent my letter dated XXXX XXXX. XXXX  but the letter had 2 ink stamps from the USPS, one XX/XX/2109 and XX/XX/2019. I received the letter 14 days after the date on the denial letter as well as the reason why I was denied omitted from the letter. I will now file a complaint with the FBI for Mortgage fraud. I have also filed a USPS mail fraud claim against Huntington National Bank for sending me a denial letter and deliberately omitted the reason.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit reportXXXX and noticed an account that was not reporting accurately. I had one late payment on two separate accounts XXXX & XXXX that was certainly paid on time. 

The consumer reporting agencies need to report all information with complete accuracy. 

These accounts have not been late. Ive attached a copy of my report to the complaint of the following date XX/XX/year> I am requesting you to investigate this account and update these payments to paid on time immediately. 

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

There are 22 inquiries on my transunion report that I have no knowledge about. 

I have filed disputes with XXXX as well as XXXX.
Product: Mortgage

XXXX - Set up via XXXX XXXX XXXX Bill Pay. {$2600.00} withdrawn from bank account on XX/XX/XXXX, posted on Mr. Cooper on XX/XX/XXXX XXXX - Payment ( {$2600.00} ) sent via bank and set up as electronic per usual. I received a rejection stating that Mr. Cooper is requesting check. Therefore the bank sent a check. Mr. Cooper never received the check. I called my bank and requested a cancellation on the check so that I could pay over the phone. I was told by Mr. Cooper that this required a fee. I argued asking the fee to be waived since I had set up the payment to arrive on time. It was suggested that I pay online. Mr. Cooper 's website kept blocking me. The fee was waived and I downloaded the app. This payment was posted on Mr. Cooper on XX/XX/XXXX XXXX - Tried paying via the Mr. Cooper app ( {$2600.00} ). I received an 'error ' message each time I tried submitting the payment. I was now able to login via their website and I was receiving the same 'error ' message. Therefore, I went through my bank once more. {$2600.00} withdrawn from bank account on XX/XX/XXXX, posted on Mr. Cooper on XX/XX/XXXX. 

XXXX - I went to set up my payment ( {$2600.00} ) for XXXX and I was told that XXXX was not received. I checked the app and I saw a reversal credit of my XXXX payment. Mr. Cooper said there was a system issue that affected customers nationally. I did notice that the amount was not deducted from my bank. I had a payment scheduled for XX/XX/XXXX for XXXX. I was told by the rep that as long as the payment came in by the XXXX of XXXX I would be fine and that I would just need to make payments by the XXXX of each month moving forward. 

XXXX - XXXX payment ( {$2600.00} ) was deducted from my bank account on XX/XX/XXXX. On XXXX, I received a text message from a Mr. Cooper " collector '' that I'm now behind 2 months. Freaking out, I went on the app and tried to submit a payment and received an alert that I will be charged {$88.00} for a late fee. I received another 'error ' message when trying to submit payment. So now my credit is in jeopardy ( I've never missed a mortgage payment in my life ). I called Mr. Cooper and they did not receive my XXXX payment. They asked that I call my bank and have proof sent to them. I called my bank and they can not fax or email Mr. Cooper the information. I will have to go to a location and request that the information be printed for me. I would also need to schedule an appointment first. I sent a screenshot of the deduction from my bank account to the email address Mr. Cooper provided. I'm very concerned about my credit!
Product: Credit card

JCP/Synchrony Bank submitted me to the XXXX XXXX Collections bureau onXX/XX/XXXX due to a {$5.00} delinquent payment. According to my notes myoriginal balance was {$48.00}. They later charged me {$25.00} for a late fee for XX/XX/XXXX and {$25.00} for XX/XX/XXXX. This, along with interest increased my total bill from {$48.00} to {$100.00}. ( please see details below ) Their incorrectreporting of me resulted in a decrease to my FICO score of nearly XXXX points. 
I want them to send a letter to me and to the Collections bureau to correct andremove that delinquency. Please see payment history below:XX/XX/XXXX JCP/Synchrony bank submited me to collection agency fora delinquent amount of $ XXXXXX/XX/XXXX Payment taken from my checking account and sent toJCP/Synchrony in the amount of {$5.00}. 
XX/XX/XXXX Payment received from me by JCP/Synchrony in theamount of $ 100.00XX/XX/XXXX No bill receivedXX/XX/XXXX No bill receivedXX/XX/XXXX Payment received from me by JCP/Synchrony in the amountof {$50.00}. I thought this paid off my {$48.00} balance. 
I disputed with the credit reporting company on XX/XX/XXXX ; no responsereceived. Said it will take them 60 days to investigate.
Product: Debt collection

On XX/XX/2021 my husband XXXX XXXX - who is also on my credit card account ending in XXXX - submitted a complaint to the CFPB because Chase Bank was harrassing us with phone calls trying to collect a debt which they believe is owed to them. 

The company, Chase Bank, responded to the complaint on XX/XX/2021 and their response closed the complaint. However, they lied twice in their response to the complaint. The first lie they made was when they stated they did not receive the letter sent certified mail to XXXX XXXX even though I have proof that the letter was received. The second lie they made was when they stated they sent a letter dated XX/XX/2021 advising me of a settlement offer. I never received this letter and when I sent a second certified letter to Chase Bank on XX/XX/2021, I received a reply from them re-stating the lie they made in my husband 's complaint - that they mailed a settlement offer to me on XX/XX/2021. I never received their letter. They also refused to mail me an updated settlement offer so they are continuing to refuse my offers to settle to debt and instead are choosing to hold my credit rating XXXX while they lie to me repeatedly by stating that I did not respond to their settlement offer.
Product: Credit reporting or other personal consumer reports

I disputed the account two times no information or verification was given only a email was sent
Product: Credit reporting or other personal consumer reports

kick off is still showing up on my credit as open when it should be closed
Product: Checking or savings account

I am a victim of identity theft. I have tried on several occasions to dispute multiple charges on my Bank Account between XX/XX/2018 with Santander of charges that were not mine. I lost my Wallet and Personal Documents. My Information was used in a Fraudulent scheme. I Have Several transactions that I did not authorize on my bank statement and it has caused a hardship. Santander had denied my claims. I am providing the following documents as proof of claim. 

Affidavit of Forgery Signature Specimen Page Police Report