23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I don't have a chase card and I did not ask for a chase card XX/XX/XXXX it is showing on my credit report
Product: Payday loan, title loan, personal loan, or advance loan

I've had a one main financial loan before back in XXXX or XXXX I can't remember however that loan was for like XXXX but after they added on al the extra stuff I didn't want I ended up paying like XXXX and then they wanted me to take a lean against my already paid off vehicle in order to get the loan which I had to do! 

So right now I have a XXXX dollar loan I got from them im using to help pay for some other credit cards and XXXX other loans have thru XXXX XXXX. The same exact thing happened the lady forced me to sign up for stuff I didn't want too my payment went from XXXX bucks to XXXX bucks a month.
Product: Debt collection

I have been contacted repeatedly about a phone bill. I have asked multiple times for the company to send me proof of debit and a copy of my wet signature proving its mine and that I own it. They have failed to do so in a timely manner. They buy debits for pennies on the dollar then turn around and try and get money out from people. This is why they can offer you a settlement so cheap. Thats double dipping and a scam.
Product: Mortgage

I AM BEING DESTROYED BY THE BANKS, this has been going on for XXXX ( FIVE ) years and XXXX ( NINE ) months so far. Clarification : I do not want to live in my home for free, all I want is justice. I am a tax paying american mother who has worked harder than a " Peruvian Donkey '' to raise her XXXX children, put a roof over their heads and food on the table ( I 'm not perfect of course ). My mortgage was owned by XXXX XXXX in XXXX ). When XXXX went down, coincidentally I lost my job. XXXX XXXX XXXX XXXX XXXX ) took over our mortgage and told me they were going to help me with " Barack Obama 's Making Homes Affordable '' program. They never did. They told me on XXXX XXXX that they had lost my entire file after an entire year of waiting for the " Home Loan Modification ( HLM ) package '' in the mail, it never came, etc, etc, etc. Later on, XXXX substantially increased my monthly payments from {$1100.00} ( which I can not afford XXXX to {$1400.00}. What? Is n't the " Making Homes Affordable '' program about assisting homeowners in distress to make their homes AFFORDABLE? WHAT KIND OF HELP WAS THAT? After almost four years dealing with them, I told XXXX that I was going to sue them, Ha! TWO days later I received a letter from XXXX informing me that NationStar ( a glorified collections agency who calls itself a " bank '' ) would be servicing my loan beginning the following month ( by then, XXXX, XXXX, XXXX XXXX. This has been a nightmare, they do not want to assist in any way, they make arbitrary decisions without informing me, they lie to XXXX XXXX and every single call from them is to harass and try to scare me. All these years I have not made payments on my loan because XXXX told me no to, and now, after almost six years, the principal on my home is double the value of my property. How can I afford that? They say they can not reduce the principal because XXXX XXXX does not allow it, and that if my loan were with XXXX XXXX, they would be able to do so. Well, they are sueing me A-G-A-I-N to foreclose on my property. This is my home, I HAVE LIVED HERE SINCE XXXX XXXX, it is my only real estate property and I live in my home, I am not a lawyer. This ordeal has made me very, very ill, and I can prove it. I applied for Social Security XXXX XXXX XXXX and I am certain I will be approved. I have been tricked by fraudulent corporations, including a lawyer I hired called XXXX XXXX with payment arrangements of course to help me. I have lost XXXX {$6000.00} seeking help, heck, I am still paying the fees for nothing, crooks, that 's what hey are. Please I need help, I can not afford a lawyer and I have nowhere to go if I lose my home.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting acct, XXXX XXXX acct # XXXX violated my rights.

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

15 U.S.C 1681 section 604A section states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit card

In XXXX, I had spoke with the credit card company letting them know I had no money or a job to make the minimum payment. They allowed me to have a minimum payment we agreed to, with a XXXX XXXX  program they said I wouldn't be charged any late fees for 3 months. Thinking I would have a job then. 

It was the first time ever that I couldn't pay and always paid before and was never late. 

I got into a accident which was another thing that I had to deal with, not allowing me to quickly find a job but take more time off. 

I spoke with them again in XXXX asking for a hardship program or anything they have to help with me not being able to make the payment in XXXX and they only said the program they had was the one that charged no interest, the one they gave in XXXX. 

Called them again in XXXX, asking for settlement or hardship assistance for having no money to even make the minimum payment due to still looking for a job and the time off from the accident I had. 

Just checked my credit card again and have seen they charged me XXXX $ in interest from XXXX to XXXX. Since XXXX they began charging me this. Starting at {$50.00} then going up. 

I paid the last minimum monthly payment in XXXX and the program started then. I have been as openly communicative with them as possible, every month. 

They said no settlement option was available this month when I called XXXX time or anything else, though I told them I had no money and could't even make the minimum payments, while I did remind them of my never late payments made for the almost 2 years I had the credit card and this is the only time I faced a hardship like this and I have NO MONEY.
Product: Debt collection

Since XX/XX/XXXX to XX/XX/XXXX they have called me over XXXX times a week just about every XXXX for over a XXXX. I have phone records as proof. They tried to sue me and I showed my evidence and they promised to drop case and report my case as resolved to XXXX. They dropped court case but not XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/XXXX, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Debt collection

I have submitted substantial documentation to Setf/Wofc to remove a fraudulent charge off of my credit report including an FTC identity report and a Police Report. The company found valid fraud and the charge was removed from all three credit bureaus. XXXX  has recently blocked the company from reporting to the credit bureaus due to the account resulting in identity theft. Now, I received a letter from Setf/Wofc in an attempt to collect the debt after being a victim of idenity theft which was already proven and taken off my credit report.
Product: Vehicle loan or lease

Previously, I have asked the credit bureau to investigate the accounts listed below for accuracy. I received an updated reporting stating accounts were verified and are accurate. I ran a recent report and have attached detailed information arguing that an investigation has not been done. I sent these letters certified XXXX, and XX/XX/23. XX/XX/23 Certified Mail Tracking XXXX XX/XX/23 Certified Mail Tracking number : XXXX XX/XX/23 Certified Mail Tracking XXXX In accordance with the Fair Credit Reporting Act, the list of account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 1. Account Name : Account Name : Bridgecrest Formerly Dri Account Number : 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Vehicle loan or lease

Paid XXXX down on a XXXX vehicle on XX/XX/year> and was ended up being charged almost XXXX extra to finance my vehicle through credit acceptance
Product: Checking or savings account

XX/XX/ {$64.00} was taken out for XXXX. For a purchased I never made. I told Chimes I never made it. I requested a dispute. Dispute came back and Chimes said upon checking. They found that I did it. I contacted XXXX and they said no purchase was made and they don't have my money and for me to contact my bank and tell them I want my money back. Well I did and they still say I did it.I requested another dispute and after that one came back they still say I did it. It makes no sense to me. How XXXX said no but Chime is saying I did it. They are refusing to give me back my money. I've had this problem several times with them and they won't give me my money back. A few months ago someone took my whole Social security check I had just got paid. They said I authorized it. Really I don't think so. I have bills to pay. Why would I give all my money to someone I don't know. I'm XXXX and that's what I live on. So that month I had no money and I couldn't pay my car note, rent, insurance and other bills. They still say I did it. I've been with Chimes for about 3 years I believe.
Product: Credit reporting

In the attachment, XXXX credit bureau has incorrect information. I have never had an account at XXXX. 

Why is this account ( for which I have never had ) appearing on my credit in XX/XX/XXXX, when the debt is zero and the original ( inaccurate ) report is listed as XX/XX/XXXX? Can you please work with Transunion to remove this from my credit? 
Thank you, XXXX XXXX
Product: Checking or savings account

Signed up for a promotional bonus with signing up for a checking account. 

Completed the terms in XX/XX/year> and still have not received the bonus. 

I've reached out to two customers reps at different times but never heard back.
Product: Checking or savings account

Bank : XXXX XXXX  ( formerly EverBank XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, NY XXXX My CD matured XX/XX/2018. I submitted cash-out instructions for the CD on XX/XX/2018 which the bank acknowledged ( see attached ). The bank did not redeem the CD on that date or subsequent days, The bank tells me by telephone that THEY have a 10 day grace period to cash out, even though they receive the order on XX/XX/2018. The grace period is supposed to apply to the customer, not the bank. They should pay interest on the late days at the same daily rate as the CD was paying. This bank ignored my repeated attempts to communicate by secure message through their website and by regular E-mail. 

Last digits on account are : XXXX Also identified on website as : XXXX
Product: Mortgage

What happened was I bought the home in i think 2001 and paid my house up in full for 5 years and when the hud program was to make the payment of the {$10000.00}, wells fargo foreclosed on me because i had told them i was looking for a new job, and if i could refinance the property because the program had just paid the {$10000.00} for my house and this was thru the section 8 program, and before that I had bought my house through cant remember the builder, but they sold my lean to the house to wells fargo with an assage on the loan, when i found what that was the had foreclosed on the house, told me and told me i had to be out of the house in 5 days exact, they sent a constable out to put me and my children out, and were became a homeless family. Wells Fargo would not work with me in any kind of way, I sent in all kinds of paper work asking them not too, but they said they couldnt help and had us put out. I lost everything. They even took my car because they said i did not have insurence on the car when clearly it was, and if you will you will see where they sent me a check for the car of only XXXX dollars ( XXXX ) and I sent the check back, they wanted me to pay them {$10000.00} for the car, and i refused because the sold car for {$1500.00}, and they did not have the right to take my car, my payments were up to date. I really think I am owed for my house and car, this bank knows they owe me but will not send me what they owe me and what they owe hud, and so yes i want to complain Wells Fargo made my kids and I homeless and hud and section 8 will not take my application anymore due to this bank and or company taking my house, less know my car for insurence, totally put my kids in I in the streets for no reason at all. I just want what they owe me and section 8. 
XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am formally disputing the following items on my credit report, which I strongly believe are inaccurate due to a possible data breach : XXXX XXXX  XXXX - {$6800.00} XXXX XXXX  XXXX - {$0.00} XXXX XXXX XXXX - {$1400.00} XXXX XXXX XXXX - {$2400.00} XXXX XXXX XXXX - {$0.00} XXXX XXXX XXXX - XXXX - {$0.00} I have taken all the necessary stepssubmitting supporting documents and following up persistentlybut the errors remain unresolved. These inaccuracies have negatively impacted my finances and caused me undue stress. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that is free of incorrect or unverifiable information. I am requesting a full investigation into these issues and expect them to be corrected without further delay. Please ensure this is addressed as soon as possible.
Product: Credit reporting or other personal consumer reports

This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

My account was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 


15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports
Product: Checking or savings account

Prior to my account being closed XXXXXXXX XXXX I noticed a charge on my account dated XXXX XXXX XXXX for {$74.00} I own a XXXX account but I've never used it because I couldn't remember the password and they wouldn't let me create a new password this was established about XXXX or XXXX years ago and so I've never used XXXX they said I owed them {$200.00} I do have an attachment to send so they're saying XXXX block that I owe them I've never used XXXX XXXX XXXX never heard of them don't know what they are and when I noticed the XXXX XXXX XXXX email in my email account it also asked the question if I believed if it was a scam and I certainly do believe that it's a scam because I've never used this services and I don't have a bank account attached to my XXXX records will prove I've never used XXXX in this Chase account that I've had for 17 years so insane that I hope that you can recover my {$75.00} this is total fraud.
Product: Checking or savings account

Vystar Credit Union - It has been nearly two weeks since VyStar began experiencing issues with online banking. 

The system went down on XX/XX/XXXX for a planned conversion to a new platform, as of today their systems are still not operational and the wait time to speak with a phone operator is over an hour. 

I have not been able to check my balances, can not transfer funds and have had electronic payments previously set up refused.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is for potential selling of our information done by one or more of the credit bureaus via a credit check done with a mortgage application. 

On the morning of XX/XX/2022, I submitted an application for a home mortgage loan in Washington state with XXXX XXXX XXXX. My wife was a co-borrower on the mortgage. The process required a cred

it check with at least 1 of the 3 credit bureaus, because we received our credit score from all 3 bureaus as part of the mortgage process. In the prior 6 months, my wife and I had not applied for any other loan. Since applying for the loan, my wife and I have been receiving 7-10
phone calls and texts per day on weekdays from unknown numbers. My wife and started receiving the calls and texts by the afternoon of the XX/XX/XXXX. The texts that we received were from lenders asking if we were interested in a new mortgage. I answered some of the early calls and the ones that did have a live person on the other end of the line were also from mortgage lenders. The large majority of the calls, according to my phones caller ID, are from a Washington state area codes. My wife and I will sometimes get the calls sequentially ( I receive a call, and then my wife receives a call a minute later from the same phone number ). 

We spoke with our mortgage lender about the calls. He indicated that they are not allowed by law to release information related to the mortgage. It also does not make sense if our lender provided our information to other lenders because the calls and texts are related to applying for a competing new mortgage. 

We believe that the credit check with at least 1 of the credit bureaus for our mortgage is the reason why we have been receiving so many calls. We believe that all of these organizations that have been contacting us somehow obtained the information from 1 or more of the credit bureaus. Our mortgage lender mentioned that credit bureaus had sold information about credit inquiries to other organizations in the past, and could potentially be doing so now with the recent downturn in mortgage applications. 

We do not know which credit bureau ( s ) may have provided our information to these organizations because we received a credit score for all 3 major bureaus as part of our loan application.
Product: Mortgage

Wells Fargo Home Mortgage has not sent me the 2009 of XXXX closing documents.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a h XXXX XXXX XXXX in account number ending in XXXX opened on XX/XX/XXXX. A credit line with XXXX XXXX Account number XXXX opened on XX/XX/XXXX. 
These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.