23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

My legal name is XXXX XXXX I currently reside at XXXX XXXX XXXX XXXX XXXX, Alabama XXXX. I am demanding that the following account listed below be removed from my credit file as it is fraudulent & inaccurate. The credit reporting agency XXXX  faced a global security breach, resulting in millions of consumers personal information being exposed. As a result of this, I am a victim of identity theft. Under the FAIR DEBT COLLECTION PROTECTION ACT, I have the right to bring this information forth to a judge in my area, to file suit against your company for reporting this fraudulent account to my XXXX, XXXX, and XXXX  credit reports. If you do not immediately remove these inaccurate and incomplete accounts in 1 business day, I will move forward with filing suit against your company and all companies involved, as I have never done business with your organization and should not be responsible for any fraudulent accounts and information placed on my personal credit files as a result of identity theft. Over 60 days ago, I requested full debt validation from your company however I have yet to receive the legal information requested.
Product: Mortgage

In XXXX I received notice that I could request a forbearance/deferment on my mortgage with Rushmore Loan Management. I requested it because I lost my job. It was approved for 3 months. In XXXX, anticipating that I would need another 3 month extension of this I went on the website and requested it again ( ( as it stated to do so on their website ) After no response and several attempts on their website submitting the requests, I started receiving multiple calls a day from them, with NOONE on the line. Would answer and no one would say anything!!! 
In XXXX I received a call and someone actually spoke and I explained the situation. on XX/XX/2020 I emailed and provided their LOSS MITIGATION department a hardship letter and provided proof of unemployment. I continued to receive calls and on XX/XX/2020 I asked the person WHY they keep calling and are not replying to my hardship request for extension or forbearance/deferral???? She apologized and said someone would get back to me-that she saw I had submitted the requests .... 
On XX/XX/2020 I get bombarded again and again I ask them why they are calling when I have submitted everything to them??? they state I didn't SIGN my letter ...???!!! 
So I email it AGAIN with a signature this time. I have called and emailed everyday since XX/XX/2020 looking for an answer and they initially act like they haven't received anything and then apologize after they see I have. Today I demanded a call from a supervisor to get and ANSWER as we are now going on 90 days since my forbearance/deferment ended!!!! I also went on their website and logged in and see that all my loan info is not accessible, nor am I able to even make a payment on there!!! 
I stated to them that I do not want my loan pushed into foreclosure as I intend to keep my home and have a temporary hardship. They are playing games letting the time go by so that they can try and push me into foreclosure!!!! ILLEGAL ACTIVITY BY THESE INVESTORS AND SERVICERS AND IM SURE THEY ARE DOING THIS TO OTHER PEOPLE. PLEASE HELP!!!!!
Product: Credit card or prepaid card

I recently started an online retail business that handles fulfillment through XXXX. I spend a significant amount of money on shipping labels with USPS and XXXX, but the transactions happen through XXXX 's backend. I have a Chase Sapphire Reserve card, and I liked the features, which piqued my interest in the Chase Business Ink Preferred card, which advertises 3x bonus points on shipping charges. Concerned that XXXX may not show up on my statement as a shipping purchase, prior to applying for the Business Ink Preferred Card, I asked customer service agents both over the phone and in person while applying for the card if XXXX would qualify for 3x points. I was told repeatedly that I can always call in to have points adjusted if something doesn't show up under the correct category, but there was absolutely no way for them to tell me before applying for the card. I was told specifically by a customer service agent that if something does not generate 3x points automatically they could " contact the marketing department, '' to have it corrected. 

Low and behold, after applying for and receiving the card, XXXX shipping purchases were NOT automatically generating 3x points. In the last month alone, I've spent thousands of dollars on shipping costs, which amounts to several hundred dollars worth of rewards points. 

I called Chase about this, as I was told they could adjust it, but now that I have already applied for the card I was told promptly that its up to how the merchant codes the purchase and there was nothing that could be done. I asked about contacting the rewards or marketing department, as I was told they would do prior to applying for the card, and they told me there is no way to do that. I asked to speak to a supervisor who told me there's no way to change anything and that I have no recourse. I asked for a way to forward invoices from XXXX to show all the shipping charges as line items. They told me there was no way to send an email nor is there anyone else I could contact. I asked again a couple of times and they told me I could submit screenshots of my bill through their " Secure Message Center '' on the website. 

I contacted Chase and I let them know that I felt defrauded. The ONLY reason I applied for this card was for those 3x rewards points on shipping purchases. I did not need another credit card nor a hard inquiry on my credit report. I felt like the process for disputing points was wildly misrepresented by their customer service agents. They granted me an adjustment for some of the shipping purchases. I sent a follow up message with a full account of all my shipping charges from XXXX, with both shipping charges listed as line items and the transaction information as it appears on my card, and they told me they would not adjust my points and there was nothing they could do. 

I feel as if I demonstrated a reasonable effort to clarify the concerns I had with their product before applying, and that Chase was neglectful at best, but more accurately deceptive, in not one interaction but several when selling me this card.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX 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

Having closely analyzed my current credit report, I've come across various accounts that I suspect are incorrect and were included without my knowledge.
Product: Credit card or prepaid card

Hi, On XX/XX/2022 I took action and disputed a charge with Chase Bank from a company called XXXX. This online service did not provide the service that was paid for. I paid {$550.00} for a service that was not delivered on time. When it was finally delivered, I was delivered a solution that was completely incorrect and was told by the expert from the website " I tried to do the work, but .... ''. Again, they were making excuses and admitting they were not able to do the work. However, no refund was given to me. I disputed the charge on XX/XX/XXXX. On XX/XX/XXXX, i get a notice from chase telling me that my claim was denied. I called XXXX and ask why and if I can appeal. They tell me that the merchant denied the claim and I can appeal if I send more proof. I send Chase the instant messages with the company and proof of them not completing the services. I get a new notice on XX/XX/XXXX and was told that the merchant still denied my claim and I have to file a police report. I am upset because a lot of money was spent for an online service that was not provided. I was scammed by this company and Chase is not doing anything even though the proof demonstrates this website scammed me.
Product: Student loan

On or around XXXX XXXX I have requested an original instrument of indebtedness from ED FINANCIAL in regards to transfer of promissory note which is already credited upon submission of application. This company has sent in a inaccurate copy of application the parent name listed in parent/guardian line has listed my younger sibling on the line. When I called from the telephone listed from XXXX the line was out of service. Please provide all parties name and assignee of information. I have not directly given this company any authorization without my consent in transfer of any electronic tenders. Please provide all original documents NO COPIES.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX {$3000.00} cash down payment, vehicle was unsafe and wrecked XX/XX/XXXX. Vehicle still not repaired, me and my XXXX XXXX XXXX now homeless, no signed contract, XXXX XXXX refused to repair car over 2 months ago, lost my ability to work, XXXX homeless with my XXXX XXXX. Can't purchase a vehicle elsewhere until debt removed from all credit reports and I need my down payment of {$3000.00} cash IMMEDIATELY.
Product: Debt collection

On XX/XX/2023 a collection representative of Toyota Financial Services contacted me via phone number ( XXXX ) XXXX XXXX at/or about XXXXXXXX XXXX ( Vermont time ). To collect the DISPUTED ACCOUNT OF MONEY OWED. I told her that she should send all communication in writing and that I filed a CFPB Complaint against Toyota Financial Services. She ended the call and I filed this complaint because I believe that Toyota Financial Services tried to use UNETHICAL collection practices to VIOLATE MY CUSTOMER PROTECTION RIGHTS. Because of the alarming phone call I now need to seek consoling to cope with the additional stress of that phone call.
Product: Debt collection

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. This was a corporate account and mistakenly reported on my profile. Had your record-keeping been accurate, and where is the proof of payment history? The XXXX Credit Bureau is willfully in violation of FCRA and condoning illegal behavior, they MUST correct or remove this collection account immediately. 
CREDIT COLLECTION SERVICE***** ( Original Creditor Name XXXX  ) Opened XXXX XXXX, 2021 Balance {$610.00}
Product: Debt collection

I would like to add to an existing complaint. Complaint No. # : XXXX. XXXX XXXX XXXX sent me a letter on XX/XX/2019 claiming they have conducted an investigation into my complaint stating that they can't substantiate the allegations brought against them specifically providing validation of my signature showing that I have some obligation to pay them a debt owed. They still have failed to provide any validation of my signature on any loan or debt obligation to XXXX XXXX XXXX. I am requesting validation, made pursuant to the Fair Debt Collections Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note I am requesting validation, that is competent evidence bearing my signature, showing that I have or had some contractual obligation to pay you.
Product: Checking or savings account

Good evening, From XXXX of XXXX to XXXX of XXXX I have found 23 separate incidents of fraudulent charges totaling over {$24000.00} on my Chase personal checking account. These charges were made by a debit card that I was assured ( by Chase ) was cancelled or directly withdrawn from my checking account. Each one of these charges are from hotels all over the country that I have never stayed in, nor has a member of my family stayed in, nor have I authorized someone to stay in using my card. Each time this has happened I have reported the fraud to Chase and they have reversed the charges leaving me net neutral as of year end XXXX. 

Note that I never received a single alert, push notification, or phone call to alert me to any of these transactions prior to their approval even though they were highly irregular in my account as I rarely used my debit card for purchases. 

Recently, I found a new charge for {$2200.00} on XX/XX/XXXX with the details listed as " XX/XX/XXXX XXXX XXXX XXXX '' that was fraudulent. When I reported this to Chase 's fraud department on XX/XX/XXXX they stated that this was a direct debit to my account related to prior fraudulent charges I reported from the XXXX XXXX XXXX. This dollar amount does not match any prior charges or any logical combination of prior charges from any XXXX XXXX XXXX locations. I then visited a Chase branch in person with my husband on Saturday XX/XX/XXXX where the regional manager went above and beyond to try and help me resolve the issue. She suggested that I reach out to XXXX ( the owner of XXXX XXXX XXXX ). After spending 4 hours and three separate phone calls with the XXXX Fraud department, they stated that since I didn't have reservation numbers and didn't know the locations of the hotels that had billed my checking account that they could not take further action. 

I have spent countless hours of my time trying to remedy this situation to no avail and would love for any assistance the CFPB might be able to provide. 

Thank you!
Product: Bank account or service

This is not the first time I have bern hit with overdraft fees by TD Bank despite making a deposit before an item cleared my account but I will stick to the most recent. Yesterday, I had a positive checking balance of {$38.00}. My monthly check was ( is ) late to arrive again so knowing my car payment was due to I deposited a personal check for {$250.00} by mobile deposit at XXXX XXXX XXXX/XXXX/17 before my car payment posted. My car payment of {$240.00} posted today XXXX/XXXX/17 and my account balance is - {$200.00}. Per TD Bank, my deposit the date before my car payment posted does not count ( and is not even showing online in my pending items despite being a personal check. ) Per TD Bank, I will still be responsible for overdrafting and fees. XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, My name is XXXX XXXX XXXX, and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Affidavit. Please delete the items as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

A representative mis guided us on a payment plan to make sure we were all caught up on payments. One month in XXXX was missed but was paid within 2 weeks after the due date, we have made a payment each month but company has said we are past 50 days late and has used our payments incorrectly and inaccurately. 
Also with the law of 15 USC 1681 a, it should be reported accurately if reported at all between purchase of company and customer. The company is XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I C System INC has reported to the credit bureaus a debt that does not belong to me. I called I C Systems and XXXX about the fraudulent report to on my credit. I was told that they found a XXXX XXXX ( me ) so it was charged to me. They had no Social Security number or address to confirm it was me. The reason they have my address now, is because i gave it to them when I called. Looking on the website, XXXX, there is other XXXX XXXX located in my area. I do n't see haw they are allowed to single out one and damage that person 's credit. I have disputed this on more than one occasion with it still showing on my XXXX Report. 

XXXX and other credit agencies have been notified of this issue and all other credit agencies have removed this from my report with the exception of XXXX.
Product: Mortgage

I'm a first-time home buyer this year. I discovered PHH Mortgage used my escrow account to pay someone else 's property taxes for XXXX, instead of mine. I contacted PHH on XXXX. The customer service agent said she would submit an inquiry to their tax department. I never heard anything. I called back a week later on XX/XX/XXXX, and no one knew what I was talking about, it was as if I'd never called them. I asked to speak to an escalation manager named XXXX. She assured me she'd get the correction process in motion. Didn't hear anything back. I called her extension on XX/XX/XXXX and also XX/XX/XXXX, but her mail box was full. On XX/XX/XXXX I asked to speak to a different escalation manager named XXXX. I explained everything yet again, from the beginning. He promised I would hear from him on XX/XX/XXXX, which I never did. On XX/XX/XXXX, I called my contact at XXXX XXXX XXXX, I had given to PHH, to see had they heard from PHH? Nothing! The tax office had still never been contacted by PHH. This is gross financial negligence of my escrow account. They have given my money to someone else, a stranger, in error, and have no sense of urgency about correcting it. My taxes were due in XXXX, yet are left unpaid! PHH has known about this now for 13 business days and done nothing!
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently went over my credit report to check for any discrepancies and Ive noticed a few inquiries on my XXXX credit report that I dont have an account with. The account looks like its with XXXX XXXX.
Product: Credit reporting or other personal consumer reports

PLEASE REMOVE ALL ACCOUNTS! AS PER THE GUIDANCE FROM CFPB THE DOCUMENT NEEDED AS A LETTER FROM THE ADVOCACY GROUP HELPING ME DUE TO HUMAN TRAFFICKING-DEBT FINAL RULE 1002.142 ( B ) ( 4 ) -5-1002.142 ( B ) ( 7 ), I KINDLY REQUEST THAT YOU BLOCK ALL INFORMATION FROM MY CREDIT REPORT WITHIN 4 BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. I AM A VICTIM OF XX/XX/XXXX OF DEBT BONDAGE AND WOULD LIKE FOR ALL LISTED ACCOUNTS TO BE BLOCKED AND DELETED FROM CREDIT REPORT! PLEASE DELETE THE FOLLOWING ACCOUNTS XX/XX/XXXX {$3400.00}, XXXX XXXX {$4900.00}, XXXX XXXX {$13000.00}, XX/XX/XXXX {$7400.00}, XXXX XXXX XXXX {$63000.00}, XX/XX/XXXX {$2800.00},XX/XX/XXXXXXXX {$2500.00}, XX/XX/XXXX {$3500.00}, XXXX XXXX {$1500.00}, XXXX {$1700.00}, XXXX XXXX {$790.00}, XXXX {$1700.00}, XXXX XXXX {$620.00}, XXXX {$1700.00}, XXXX {$1900.00}, XXXX XXXX {$110.00}
Product: Credit reporting or other personal consumer reports

There is information on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer : XXXX XXXX XXXX XXXX - Requested on XX/XX/23 EQUIFAX MORTGAGE SER Requested on XX/XX/23 XXXX XXXX XXXX - Requested on XX/XX/23 XXXX Requested on XX/XX/23 XXXX XXXX  Requested On XX/XX/23 EQUIFAX MORTGAGE SER Requested on XX/XX/2XXXX XXXXXXXX XXXX Requested On XX/XX/23 XXXX Bank requested on XX/XX/23 XXXX XXXX  Requested on XX/XX/23 XXXXXXXX XXXX Requested on XX/XX/23
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed this account multiple times with XXXX and XXXX XXXX. I asked for verification and validity of this account. All XXXX XXXX sends that back is a screen shoot of a bill. 

This doesnt prove this account is mines at all. They are breaking the law by continue to report multiple accounts on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed a dispute multiple times with the company regarding the bankruptcy on my credit report. All three bureaus keep sending it back verified but not telling me how they verified because the bankruptcy court wrote me a letter saying that they do not verify information. I am needing this information deleted as soon as possible. I have attached letter from the bankruptcy court and also a screenshot where they verified it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently become an adult and monitor my account like I should. I purchased a myfico account which shows the reports for all the Credit Reporting Agencies. As of XXXX XXXX I also purchased the Experian premium service and found that there were to credit cards opened in the name XXXX XXXX one on XXXX/XXXX/XXXX and another in XXXX of XXXX. Both of these accounts were opened either fraudulently or by someone who has a similar name than me. There is alone in XXXX, TX where i resided when both were opened over 50 XXXX XXXX 's. My name is XXXX XXXX XXXX. I have sent Section 609 of the FCRA to have the CREDIT REPORTING AGENCIES to verify that those accounts are mine as well as for them send me the proper documents as per the FCRA states. I have recieved nothing but a credit report with updated infornation stating that account has been verified. I have sent appropriate documents to the Credit Reporting Agencies to support my claim that my name is XXXX XXXX XXXX not basic XXXX XXXX. I have purposely included into my signature my middle name or my middle intial as the two documents show that I have currently uploaded to you. On the Drivers License its a XXXX between the XXXX and The XXXX also as if the XXXX is apart of the XXXX. And on the social security card it spelled out in the middle of the length of the name. I truly am sorry for the long letter of what is happening but after the recent XXXX leaked personal information, I have been fighting with the CRAs for Four Months about their basic FCRA requirements under the Section 609. And then their total lack of caring about a consumer and their lack of building their credit to secure a home loan for his family. Please someone help me. 

XXXX XXXX XXXX P.S there is over 250 XXXX XXXX in a 6 hour radius of where i currently live.
Product: Money transfer, virtual currency, or money service

We wired {$80000.00} on XX/XX/XXXX from XXXX  XXXX XXXX to XXXX XXXX XXXX, the receiving Bank is HSBC BANK USA, NA. The beneficiary didn't receive the founds {$80000.00}. Then, we asked XXXX  XXXX XXXX to recall the founds back, they send three recall message to HSBC bank USA on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, But HSBC BANK USA never responds.