23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, or personal loan

I opened a HELOC with PNC on XX/XX/XXXX and proceeded to make payments towards the loan per our agreement. I logged into my account on XX/XX/XXXX and saw that there were multiple line items in my account that I did not recognize. Some were {$0.00} transactionss and some were labeled " misapplication reversal ''. The PNC escalation told me that i should've been notified of an issue ( which I wasn't ) and that I shouldn't worry that it would all be cleared up by XX/XX/XXXX. He stated that there were many issues with their systems and they were just going to backdate my payments ( which I can not believe he said they were doing ). At this point nothing has been correct, my payments are not applied correctly, and I have no idea what the status of my loan is. It's saying that I have a payment due on XX/XX/XXXX even though I have already made my payment for that month. The rep today ( XX/XX/XXXX ) that this issue has been ongoing for SIX MONTHS and that it should be fixed soon. I have no faith in them fixing this issue and have no faith in them correcting my account to a normal status.
Product: Debt collection

I sent an email to Synchrony Bank on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX,. I do not recognize this debt and have ask verfication by providing me the original instrument of signed indebtedness. To date, they have failed to provide this. I further mentioned if they were unable to provide this, the entry on my credit files should be deleted from all 3 major credit bureaus. I have gotten only 'canned ' responses to call them when I 've asked specifically only to be contacted by email ( for paper trail purposes ).
Product: Credit card or prepaid card

In late XXXX I was the victim of identity theft with my JP Morgan Chase XXXX XXXX XXXX My XXXX XXXX was somehow hacked into and my calls were being forwarded, preventing me from checking the actual party I was communicating with. I received phone calls from numbers that showed up on caller ID as Chase bank. After initial fraudulent activity was discovered, I contacted a representative from XXXX XXXX XXXX who changed my password and rectified the issue around XX/XX/XXXX. 

However, it happened again a few weeks later and I was able to do it on my own once someone alerted me that my calls were not going through anymore. Since then, I bought a new Iphone on XX/XX/XXXX. The old phone was turned into XXXX XXXX XXXX. 

Chase initially did not charge me for fraudulent purchases on my account. In late XXXX 2023, my account balances were accurate and the fraud situation was behind me. That was until Chase, in XX/XX/ 2023, who I have banked with for years both personally and through my credit card, did a complete XXXX degree turn and is now seeking to hold me responsible for approximately {$12000.00} worth of charges that they initially did not hold me responsible for. 

This is unacceptable to me and quite disingenuous to do this months later after everything had been resolved. Chase and XXXX have a guarantee that you will not be responsible for fraudulent charges. The telephone scam is not something new and Chase has utterly failed to institute any processes to prevent their customers from being scammed by people who are calling from Chase numbers and have the proprietary information that only a Chase representative would know. 

This scam has been prevalent and Chase can not simply just turn a blind eye to it while their customers get defrauded. See https : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

1. XXXX - I never provided this agency permission to run my credit. 
If they are associated with XXXX, then this is fraud. The loan officer XXXX XXXX provided fraudulent documentation in which ill be filing a specific complaint with HUD, CFPB. 
DATES : XX/XX/XXXX ; XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 

2. XXXX XXXX - Misuse of my information. Multiple inquiries within 30days. I called on XX/XX/XXXX to resolve, per the information provided by rep on XX/XX/XXXX, I never spoke to the rep mentioned. 
DATES : XX/XX/XXXX, XX/XX/XXXX. 

3. XXXX XXXX - XXXX never granted this agency to access my credit. 
If they are associated with XXXX XXXX XXXX, my information was misused and sold despite being told that they no longer offered the 203k loan product due to COVID-19. if XXXX XXXX is affiliated with this transaction, he stopped responding. 
DATES : XX/XX/XXXX & XX/XX/XXXX. 

4. Credco - Im not familiar with this transaction. I tried calling but was not able to reach anyone. 
DATES : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I wrote a letter to the company that say I owe two collections. One for {$600.00} the other for {$660.00}. I ask for verification and they will not respond to me how they verified this is my account.

According to 15 usu 1681a2 I did not give them writing permission to have these accounts furnished on my report. These two accounts are inaccurate
Product: Credit reporting or other personal consumer reports

After my home was broken into, theres been multiple requests for new credit accounts that do not actually belong to me. Ive been working to get this matter resolved. I have not applied for any new credit. 
I have new inquiries from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have never applied for any credit through these creditors and I am demanding that these inquiries be removed from my credit report instantly or I will pursue legal action. 

Also, there are false addessss that need to be removed from my credit report as I only reside at one address. Please remove the following addresses from my credit report and send me a copy of my new credit file once completed. 
XXXX XXXX XXXX XXXX should be removed from my credit file XXXX XXXX XXXX should be removed from my credit file
Product: Credit card or prepaid card

I have an account with XXXX XXXX only one account. I placed an order that can to my hotel address, because I travel for work. I have only one address, but my debit cards are from two different states, because I worked in Texas for over 1 year and I have a mailbox in that state. When I make a payment is should not matter which card I use. Because I used a different debit card, XXXX XXXX has opened a new account with out my permission. I had a problem similar in the past and the company was supposed to merged the accounts together. It should not matter which credit card I use to make a payment as long as I pay the bill. Each time I placed an order, I always had a different shipping address, because I might be on assignment for a few months and see an item that I want to purchase. I am truly concern, because the new order that I placed in XX/XX/XXXX still had my permanent address and suppose to be corrected. I get a call on Monday and today from a representative telling me I we {$35.00} on my account, even though I paid {$50.00}. I was told that the company was unable to mergethe accounts. I only signed up for one account and I should not be paying for 2 accounts. I thinkthat this practice needs to be investigated. I am offended that I have to pay on two accounts. I was  also told that it could take 30 days or longer. I paid {$40.00} for this account that I never new about so that my account would be reflected in a negative manner, but I was told today that I will have to make another payment on this second account again XX/XX/XXXX. This is not accepted, I only have one mailing address not two, But I have more than one debit account from two different states. At first I had stopped ordering, because I was waiting until I lost weight. Now this company is opening a new account as I order items. This is not acceptable and I was not notified. Please investigate this practice.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : 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 XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE THE COMPANY AND CREDIT BUREAUS HAVE NOT REMOVED FRAUD ACCOUNT ITS BEEN MORE THAM 30 day they are in violation of the " FAIR CARES ACT '' CAPITAL ONE Reported : XXXX. XXXX, XXXX - {$690.00} Closed Overview You're currently using 139 % of your account 's limit. 

Balance {$690.00} Credit limit $ 500 Monthly payment No Info Opened XXXX XXXX, XXXX ( 3 yrs, 6 mos ) Payment History Youve made 59 % of payments for this account on time. 

Payment history table, broken down by month XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Current Late Unknown Last payment XXXX XXXX, XXXX Current Payment Status Charge-off Amount past due {$690.00} Worst Payment Status Charge-off Account Details Account status Closed Type Credit Card Responsibility Individual Account. 
Remarks Consumer disputes- reinvestigation in progress Times 30/60/90 days late 3/2/11 Closed No Info CREDIT DISPUTE NOTES THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT RESPONSE DISPUTE 15 U.S. C ode 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft Shall be removed from the consumers report not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identit theft!! Please delete these items as soon as possible!

These accounts should not be furnished on my consumer report as they are in VIOLATION!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a federally protected consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir/Madam, I am writing to dispute a fraudulent account that has appeared on my XXXX, Equifax, and XXXX credit reports. I recently discovered this unauthorized account, and I firmly believe that I am a victim of identity theft. I kindly request your assistance in investigating and removing this fraudulent account from my credit reports. 

Account Details : Creditor Name : XXXX XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/2023 Outstanding Balance : {$140.00} Reasons for Dispute : 1.Lack of Awareness : I have always maintained a diligent approach to monitoring my financial activities and credit reports. However, due to the sophisticated nature of the fraudulent activity, I was unaware of the existence of this account until recently. This highlights the covert nature of the identity theft, making it difficult for me to detect the fraudulent activity at an earlier stage. 

2.No Record of Transaction : Upon thorough review of my financial records, I have found no evidence of any transactions or agreements with XXXX XXXX XXXX XXXX This further strengthens my belief that this account is fraudulent and has been opened without my knowledge or consent. 

3.Violation of Fair Credit Reporting Act ( FCRA ) : The presence of this fraudulent account on my credit reports violates my rights under the FCRA. As a victim of identity theft, I have the right to accurate and up-to-date credit information. The inclusion of this unauthorized account damages my creditworthiness and may result in adverse consequences for my financial well-being.

4.Legal Rights and Responsibilities : Under the FCRA, I have the right to dispute any inaccurate or fraudulent information on my credit reports. I am also entitled to a fair and timely investigation by the credit reporting agencies. Therefore, I kindly request that you initiate an investigation into this matter and take appropriate actions to rectify the inaccuracies caused by the fraudulent account. 

I kindly request that you promptly investigate this dispute and take the necessary steps to remove the fraudulent account from my XXXX, Equifax, and XXXX credit reports. Additionally, I request that you provide me with written confirmation once the investigation is complete and the fraudulent account has been deleted. 

I appreciate your attention to this matter and your assistance in resolving this fraudulent account issue. Please do not hesitate to contact me if you require any further information or documentation. I look forward to a swift resolution to this matter and the restoration of my accurate credit information. 

Thank you for your prompt attention. 

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

I am writing to formally notify you that I am a victim of a data breach, and my personal information has been misused to create or manipulate the following accounts and inquiries on my credit report. I kindly request that these accounts and inquiries be blocked and permanently deleted in accordance with 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ). 
Fraudulent Accounts : 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
Product: Credit reporting, credit repair services, or other personal consumer reports

During a breach in XXXX, my personal information was potentially hacked. The breached company offered free credit bureau 'locking ' services which I took advantage of with Equifax . Now that I am applying for a mortgage, the lender needs access to my bureau. After unsuccessfully attempting to reset my password through Equifax 's website, on XX/XX/XXXX, I called customer service. I was barraged with questions to identify me ( which I understand ) but the questions were very vague and open ended, such as " who have you had a car loan with? '' Well, I am XXXX years old and have had a dozen cars between me, my ex-wife and XXXX kids ( now adults ). Customer service would not clarify what timeframe so I just named all of the cars I had ever had. Apparently, I got that right, so she then asked me the amount of the payment. " For which car? ", I asked. She would not specify. This is but one example of many frustrating questions I had to answer without specificity. I was further infuriated by the fact that I was clearly speaking to someone overseas and who knows where all of my information is now. I must have answered all of the questions more or less correctly because she unlocked my bureau for 5 days. I asked why I was unable to reset my password on-line. She said that system has not been working. " For how long? ", I asked. " For over a week '', she answered. Now, on XX/XX/XXXX, the lender needs to revalidate my information. I just tried my password, it didn't work, clicked the " forgot password '' link, and response is a reset link has been emailed. ( Same scenario are earlier in the month. ) Again, I have not received an email and have to call Equifax again to go back through the earlier drill. Hopefully, I will remember the amount of my car payment on my XXXX XXXX XXXX.
Product: Debt collection

XX/XX/2022 about XXXX a XXXX called from XXXX and he stated that he was going to send people to my home and work and applied that i might go to jail. I kept asking him if i was going to go to jail he did not reapply as i asked. I was scared, and i was thinking they was going to send people to my job and home. I was thinking who is going to watch my children if i go to jail
Product: Credit reporting

This is this is the same complaint I had with XXXX regarding the bankruptcy law stating " when a debt is discharged ( chapter XXXX ), the creditor is '' forever '' barred from trying to collect it from you or reporting it to a credit bureau ''. The account was discharged on XXXX XXXX, 2009 when the Bankruptcy Chapter XXXX was discharged. The staff of these credit bureaus need more training regarding bankruptcy laws. 
Collections : XXXX XXXX XXXX - I sent them a copy of the statement showing XXXX balance. The agent I talked to from Equifax told me that according to XXXX the collection stands. I told her so you are going to take the words of the company instead of the documents I provided you. She said " YES ''. Not because the companies are paying for the services of these credit bureau does not mean we, the customer, has no say on the issue.That is not fair! And not right either!!
Product: Student loan

On XX/XX/2018, XXXX XXXX informed me that my monthly payment for my Revised Pay As You Earn plan had increased from {$270.00} to {$510.00}. To date, I have not received any explanation as to why my payments almost doubled. I am in the same repayment plan and my salary has not exponentially increased. When I called XXXX XXXX and requested an explanation about how the payments were calculated, I was not provided with an explanation. I have also sent them an email requesting an explanation, but I have not received a response. I am now wondering whether any outstanding interest was capitalized at the time of my recertification ( even though I timely recertified ), causing an improper increase of my monthly payment amount. I also requested a lower payment, because I can not afford to pay almost double what I had been previously paying, but I was advised that {$510.00} is the lowest payment available to me at this time ( without seeking a forbearance, in which I am not interested ).
Product: Debt collection

LVNV Funding LLC added an account on my credit report for an alleged debt I do not owe. I have no idea who this company is. They are flagrantly violating the Fair Debt Collections Practices Act, with their illegal debt collection tactics. Their debt collection tactics are deceitful.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called the Credit reporting agencies after noticing that they were reporting a U.S. XXXX Court item on my credit report and they never answered my question after I asked if they validated the information with the original creditor. I spoke with the U.S XXXX Court and they stated that they do not provide information to credit reporting agencies which is stated on their website as well. Per the FCRA the information is not validate so they must remove the information from the consumer credit file. Public records information is NEVER validated by the Recorder of Deeds nor the U. S. Court system due to the XXXX XXXX XXXX XXXX PRIVACY LAW.
Product: Debt collection

I received, actually it was given to my son at the door, a summons from XXXX XXXX, XXXX DBA XXXX XXXX informing me that I owed a Medical bill from 2014. This medical bill was sold to them by XXXX XXXX for medical services. 

I live in Washington State, it is a non collection state and I never once was notified that this bill nor advised it was being sold to XXXX XXXX by XXXX XXXX. I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. 

When I contacted XXXX XXXX after the summons, they said they have tried over the years to reach me via phone and sent a letter 6 month ago. I have no voicemails from them, and I wouldn't even think of looking at the mail as I don't do business with them nor have a contract with them. XXXX XXXX is saying I owe the bill from XXXX XXXX, plus interest, filling/ex parte plus process fee 's.
Product: Mortgage

I modified my mortgage. I had my own home owners insurance and Chase added their mandatory insurance. Chase refused the payments for the amount stated both in my modification and on my statements. After speaking to several reps XXXX rep stated the modification was not executed properly on Chases end and they would fix it, by sending out new docs. Docs were never sent and Chase started foreclosure process. Chase agreeed after filing bankruptcy to allow me to make 12 months of payments and then Chase would reinstate my mortgage, once again Chase refused the payments all paymenys were sent in money ordes to the forclosing attorneys office, as directed by Chase. Five months into the agreement Chase is trying to record a foreclosure from XXXX five months prior. They also told my insurance I no longer own the home and to cancel my insurance while Chase once again added its force home owners insurance.
Product: Debt collection

Debtor timely responded to debt collection lawsuit by filing an appropriate Answer and Notice of Appearance. Plaintiff debt collector then filed a Motion for Default twice and denied receiving the Answer, which there was proof of filing, mailing, and proper service.
Product: Money transfer, virtual currency, or money service

I am in the process of sunsetting my XXXX XXXX bank account. This included designating a new preferred bank account with Paypal. However, my XXXX account was still used with the most recent payments to XXXX and XXXX, causing my XXXX checking account to overdraft XXXX and costing me overdraft fees ( {$25.00} x XXXX ). The 'preferred ' designation appears to have no bearing as to which account Paypal XXXX to charge. 

The Paypal email message center only has a finite amount of categorized customer service actions. I wrote them with my issue only to have an unrelated canned response sent back.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX displays 3 delinquent accounts on my credit file that has been disputed/challenged a year and a half ago, ( XXXX ), ( XXXX ), ( XXXX XXXX XXXX, those accounts have been listed like that on XXXX  for more than a year and a half, they have all been removed from the other 2 credit bureaus, ( XXXX & XXXX ). Despite my several attempts to correct these issues with XXXX, they never comply and, their action caused to be denied credit access. They failed to follow the FCRA requirements. They still as of today have the above mentioned account listed as " Item disputed by Consumer '' for more than a year and a half. The screen shots submitted were captured today Saturday XX/XX/2018.