23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I have a Line of Credit Chase Bank with one interest rate for several years. The interest rate was 4.75 % with a payment averaging {$350.00} per month. I have had this line for approximately 10 years. On XXXX XXXX, 2017 I received my statement for period XXXX XXXX 17 thru XXXX XXXX 17 with a payment of {$620.00} stating my interest rate is 4.5 % with a {$19.00} principal. This is HIGHLY illogical since they state my interest rate is lower but my payment almost doubles. Additionally they state {$19.00} for principal ( a charge I have NEVER had before and do not know what it is ). On the second page of the statement they state I have 5 days of billing cycle at 4.5 %, 5 days at 4.75 % and 21 days at 8.45 %. Nothing has changed in the last 10 years but suddenly they have CREATIVE FINANCING. 

On XX/XX/XXXX I called Chase at XXXX XXXX XXXX asking for an explanation. The Chase employee was rather rude to me but finally transferred me to an Escalations Manager as she did not have the answer to question. 

XXXX, the Escalations Manager at XXXX XXXX XXXX ext XXXX did not have the answer either. XXXX stated she would research the issue and get back with me within 48 hours. She did NOT. I called her on XX/XX/XXXX at XXXX XXXX PST and left a message. XXXX did not return the call. On XX/XX/XXXX XXXX XXXX PST I left another message with no reply. 

Finally Saturday morning arrives and XXXX calls me while I am eating breakfast. I advised her of this and said I would call her back. I called her on XX/XX/XXXX at XXXX XXXX PST and left a message. I called her on XX/XX/XXXX at XXXX XXXX PST and left another message. 

It seems that XXXX NEVER answers her phone and only returns calls on Saturday mornings. A date her recording states she does not work. 

To date I have not received an answer to a simple question. My payment is due XX/XX/XXXX and I need to have this resolved IMMEDIATELY.
Product: Credit reporting or other personal consumer reports

I am writing to formally request that you block and remove a fraudulent account from my credit report, in accordance with the Fair Credit Reporting Act ( FCRA ). I have been a victim of identity theft, and the account in question was opened without my knowledge or consent. Below are the details of the fraudulent account I am disputing : XXXX. XXXX XXXX XXXX ( XXXX - {$33000.00} ) XXXX. XXXX XXXXXXXX XXXX XXXX XXXX {$15000.00} ) XXXXXXXX XXXX XXXX XXXX XXXX ) XXXX. XXXX XXXX XXXX XXXX XXXX ( XXXX {$500.00} ) and. XXXX XXXX XXXX Account XXXX XXXX.
Product: Debt collection

I was awarded XXXX ( XXXX XXXX XXXXXXXX XXXX  ). I was awarded back medical bills paid by XXXX and secondary XXXX. The backdate was granted and signed by a federal judge. I have contacted these companies ( Credit Managment / XXXX ) and explained this as well. They refuse to remove these items. It hurts my credit.
Product: Debt collection

I have sent multiply request to validate the debt company will not send information in the 30 day period now i am being told 90 days, they will just remove from my report and research and never send correspondence bad company
Product: Checking or savings account

On XX/XX/XXXX, I received an email from Chase stating that my email address on my account had been changed. I logged into my bank account to see {$5000.00} of pending charges from XXXX XXXX XXXX and a {$3000.00} ATM withdrawal from my savings account. {$4900.00} was transferred from my savings account to my checking to make the XXXX purchases I reached out to Chase 's fraud department, and confirmed with the rep that the phone number, email address/phone number were changed. I confirmed with the rep that I had not lost my debit card and confirmed the card number with them over the phone. The rep was also able to confirm that the location of the ATM withdrawal along with the time of withdrawal. ( Chase Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) Within an hour of with withdrawal XXXX additional fraudulent purchases were made at XXXX XXXX XXXX XXXX claims were filed with Chase bank for the XXXX purchases and ATM withdrawal. Chase has determined I authorized all of these charges and is refusing to reimburse me even though I have filed and provided them with a police report and reported the fraudulent transactions within XXXX hours of finding them.
Product: Money transfer, virtual currency, or money service

In addition to complaint, XXXX opened on XX/XX/year>. As of XX/XX/year>, {$500.00} has disappeared from my safe and there is NO transaction history showing any withdrawals. Due to already having a case against XXXX, I have NOT contacted them.
Product: Mortgage

This is for Bank of America mortgage. Due to being past due in month XXXX and XXXX of XXXX I was going through a XXXX XXXX XXXX XXXX at the time and out of work. I have never been late and after those two payments been late with my mortgage. I had an exceptional payment history. I asked Bank of America as goodwill to reverse the late reporting and they refused even though I had exceptional payment history with them. This is no way to treat customers that were going thru a crisis such as a XXXX at the time. Yet, still able to pay the mortgage. I will like someone to look into my account and attempt to reserve the late reporting.
Product: Mortgage

In XXXX 2010 I got a mortgage through M & T bank on a home thatneeded some repairs so I took extra money out to do repairs thebank told me it would make my loan go faster if I got a contractorsquote I asked them several times if I could still do the work myselfwith a contractors quote they told me yes well needless to say itdid not turn out that way after the closing I never received any of theextra money. I could not live in the home until these repairs wheredone and the bank knew this. XXXX years ago the bank tried toforeclose on me I got a lawyer and we went to court the judge toldM & T they had to redo my mortgage at the original purchase price. 
My lawyer sent M & T everything they needed to redo the loan. 
A month later my lawyer calls me and says M & T sent him a letterstating that they did n't get everything they needed but did not tellhim what we where missing when he called no one got back to him. 
Now I have to go through this again and I must say I 've had enoughM & T to this day has yet to send me a mortgage statement. Now theysold my mortgage to XXXX and I have called them and left messageand no one calls me back. 
I have e-mails from M & T about getting the extra money I borrowedI have XXXX that says they mailed my check out when I did n't receive itI called the lady and she told me that e-mail should of never went outif that 's the case why was it even typed up and sent. 
At this time I have no idea of where to turn. Although I am sure I shouldbe able to sue M & T for predatory lending.
Product: Debt collection

I received a called from this rude woman that work for XXXX ( National Credit System ). National Credit Systems is stating I have a balance of {$280.00} from XXXX XXXX XXXX. I have never lived at XXXX XXXX XXXX and I have never applied to XXXX XXXX XXXX. The date the application was run/processed is the date I was in the hospital ( XXXX XXXX, MN ) having XXXX. I did not get discharged from the XXXX XXXX until XX/XX/2018. So I would like to know how I was able to apply for an apartment when I was in the hospital. I never called, toured or even had any dealing with XXXX XXXX XXXXs. I asked XXXX ( National Credit Systems ) to send me e copy of the returned check, application with signature and drivers license. XXXX ( National Credit Systems ) has failed to provide me with that information. The XXXX account is # XXXX. Also, I never received any type of notification from this company. I will press charges on XXXX XXXX XXXX and XXXX for harassing me with false information. I would like for XXXX to be investigated. I have asked this company multiple times to send me all the information and they refused.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX, TX XXXX Subject : Dispute of Inaccurate Information in My Credit Report Dear XXXX, I am writing to formally dispute inaccurate and/or unverifiable information included in my credit report as furnished by your agency. This dispute is submitted pursuant to the Fair Credit Reporting Act ( FCRA ), specifically und

er 15 U.S.C. 1681o, which provides for civil liability for negligent noncompliance. The following item ( s ) on my credit report are inaccurate and
require immediate investigation and correction : XXXX. XXXX XXXX XXXX {$1400.00} This account doesnt belong to me. I have asked for proof of a wet signature from me signing a contract with this company and I didnt receive any verification showing a contract with me and this company with my signature. I never opened an account with this company. 
XXXX. XXXX XXXX XXXX {$660.00} This account doesnt belong to me. I have asked for proof of a wet signature from me signing a contract with this company and I didnt receive any verification showing a contract with me and this company with my signature. I never opened an account with this company. 


The inclusion of this inaccurate information has caused harm to my creditworthiness and may have resulted in adverse actions against me, including [ briefly mention harm, such as denial of credit, increased interest rates, etc. ]. 

Under 15 U.S.C. 1681i ( a ), you are required to conduct a reasonable investigation of disputes regarding the completeness or accuracy of any information contained in my credit report. If the disputed information is not verified as accurate, it must be corrected or deleted promptly. 

Please provide written confirmation of your receipt of this dispute within 30 days, as well as the results of your investigation. Should you fail to comply with your obligations under the FCRA, I reserve the right to pursue all remedies available to me under the law, including those outlined in 15 U.S.C. 1681o for civil liability due to negligent noncompliance. 

Thank you for addressing this matter promptly. I look forward to your response. 

Sincerely, XXXX XXXX XXXX If youd like to refine it further or add more details about your case, let me know!
Product: Credit reporting, credit repair services, or other personal consumer reports

In the summer of XX/XX/XXXX & early XX/XX/XXXX, TransUnion experienced 2 separate computer glitches that caused inquires to be deleted from my credit report. Those inquires were then added back to my report once the glitch was discovered, however I was not notified of the inquires being added back. Legally, they were suppose to provide me written notice 5 days prior to them adding the inquiries back. I contacted TransUnion in good faith to ask them to delete the inquires that had been illegally re-added. On XX/XX/XXXX @ XXXX, I spoke with XXXX XXXX in an office outside of the USA , he refused to provide the exact location. He stated that a glitch did take place, however the inquiries were not being removed. More than once he acknowledged the error as well as me not being informed of it, but still refused to take action. These inquires add a hardship & my rights were violated by TransUnion. I am asking that you make TransUnion stop victimizing me.
Product: Credit reporting or other personal consumer reports

First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy. 

Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted the following companies any permissible purpose. They are in strict violation of this code. I need the following account ( s ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 

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 or other personal consumer reports

I value your help to REMOVED a portion of the data on my credit file that came about because of a FRAUD yet I have an Accounts passed on that should be taken out or remove. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX Balance Owed : {$11000.00} XXXX XXXX XXXX Balance Owed : {$19000.00} XXXX XXXX XXXXXXXX Balance Owed : {$5700.00} XXXX XXXX XXXX XXXX Owed : {$2200.00} XXXX XXXX Balance Owed XXXX {$0.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX : {$11000.00} XXXX XXXX XXXX Balance Owed : {$19000.00} XXXX XXXX XXXX************** Balance Owed : {$5700.00} XXXX XXXX XXXX  Balance Owed : {$2200.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX opened up a credit account ( Acct XXXX ) on XX/XX/year> using my social security number. This account was reported to TransUnion and XXXX and was included in my credit file. My credit is locked/frozen for both credit bureaus, but XXXX still somehow opened this account. 

After receiving the credit alert from TransUnion and XXXX of the new account, I contacted XXXX to report the fraud. They could not locate any record of the account, despite having reported the account to 2 credit bureaus. Because of this, they also refused to open up an investigation of fraud so that bureaus can take action to remove the account reported by XXXX from my credit report. 

My credit has been negatively effected by XXXX 's fraudulent activities.
Product: Credit reporting or other personal consumer reports

I've noticed multiple hard inquiries on my credit report that I did not authorize
Product: Checking or savings account

This is a follow up to the complaint I submitted on XX/XX/XXXX, reference US Bank and the response I received from US Bank, dated XX/XX/XXXX.
Although this response is submitted after the timeframe of rebuttal, I am submitting so that Consumer Financial Protection Bureau will be allowed to publish the additional experience for other Consumers to be aware of.
As stated, I did receive the response from US Bank, however, the response was not adequate to my complaint.
My complaint specifically advised of the issue, but most specifically advised that US Bank held my Pension Funds, verifiable funds that has been deposited in my account for 5+ years, while they off-setted my accounts. US Bank advised that they had to verify any deposit of funds when off-setting accounts, and therefore held my Pension -- Again, these were verifiable funds, and I was advised in my original complaint by the Federal PPDept in XXXX DC, the Bank 's action was and is illegal.
Furthermore, due to US Bank 's action, they created a Hardship. I was not allowed to pay on time, my mortgage, utilities, bills, ect, and from their action, I received numerous late fees.
Therefore, when I received US Bank 's response, dated XX/XX/XXXX, and read the content, I was appalled at the jargon. The person responded clearly did not read my initial complaint, nor the content of my concern.
The response included verbiage of Bank Deposit Account Agreement, and Account Transactions. The person even went so far as to list when my Pension was released to me in the Bank, but they failed to list that the only reason why the Pension was released to me is because I reached out to the Vice President of the Bank and asked for assistance due to the dire nature of my Pension being held.
US Bank once again proved their dishonesty in responding to my initial concern- Withholding my Pension.
The response also advised to contact my Local Branch, if I have any additional questions. For one, I will not be contacting a Branch, and they are not a Local Branch for me since they closed my accounts. That statement to me is absurd.
In addition, since the time lapse of this experience, I have received numerous correspondences from US Bank, one in particular, dated XX/XX/XXXX advising that my account ending in # XXXX was reopened onXX/XX/XXXX, REALLY? and additional account correspondences. I also received a call from the Manager at the XXXX, CA location, whereas she left a message. Why am I receiving any contact from this Bank, letters or calls? ... .It is apparent that US Bank does not execute proper protocols, and in my opinion, this is a form of Harassment. Since US Bank severage the relationship, there should be no further direct contact, and as of the writing of this additional complaint, I am stating, that I do not want any further direct contact from the Bank from any level.
Thus, this reaffirms my belief from my experience, that US Bank 's Consumer Relationship Reputation is Atrocious!
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and list of Inquiries. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

Portfolio continues to call my home. The calls are generated from various areas the United States, causing my telephone to ring continuously and repeatedly with the intent to annoy, abuse, or harass any person who answers the telephone at my home. Portfolio, thru a 3 year period, has made no less that 3000 phone calls to my residence. There are XXXX XXXX people living in our home.
Product: Credit card

PayPal Credit is attempting to collect on an account and balance that do not belong to me. Please remove this account from my name, records, and all credit reports.
Product: Debt collection

Credence RM Subject : Dispute of debt collection REQUEST FOR VALIDATION Dear Credence RM XXXX writing to formally dispute the debt referenced in your letter dated XX/XX/year> regarding account showing on credit report. Under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting that you provide written validation of this debt, including the following information : 1. Proof that I owe the debt, including a copy of the original creditors documentation.

2. A detailed breakdown of the amount claimed, including principal, interest, and fees.

3. Proof that your agency is legally authorized to collect this debt. 

Until I receive this information, I am requesting that all collection efforts, including reporting this debt to credit bureaus, cease immediately. If this debt is not validated within the required timeframe, I expect it to be removed from my records. 

Furthermore, if this debt is not mine or is incorrect, I request that you correct your records and notify all credit reporting agencies to remove any inaccurate information. 

Please confirm receipt of this letter and provide the requested documentation at your earliest convenience. I prefer all communication regarding this matter to be in writing.
Product: Checking or savings account

I noticed three unauthorized charges totaling {$650.00} on our checking account. The charges were made on XX/XX/2022. I called to dispute the charges and locked my card on XX/XX/2022. I received a letter on XX/XX/2022 dated XX/XX/2022 which stated that {$450.00} was denied due to not reporting this claim in a timely manner. I've been given a provisional credit of {$190.00}. The letter also states this is a temporary credit provided I complete, sign and return an XXXX XXXX XXXX form. I have not received this form.
Product: Credit card or prepaid card

Discover is now requiring all credit card customers to link any Discover bank accounts with their " single login ''. I do use online access for credit cards but I never use online access for any banking. Why? Because the risks are so different. It is useful to check merchant actions to the credit card and my risk is limited to {$50.00} by statute. There is no limit to risk with on-line banking and the convenience over paper is minimal.
Product: Debt collection

TODAYS DATE :  XX/XX/XXXX  ATTENTION DISPUTE DEPRATMENT :  XXXX   XXXX   XXXX   XXXX   XXXX  SS #  XXXX  DOB  XX/XX/XXXX  ADDRESS  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , FL  XXXX  Your company have violated FCRA   615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from    identity theft.     ( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.       A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.
The reference items are listed below please take this matter very serious AARGON AGENCY INC I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re    XXXX   XXXX   XXXX ,  XXXX   Telephone Consumer Protection Act  Litigation, Case No.  XXXX , in the  U.S. District Court  for the  XXXX   District of  California Stop collection proceedings against me Signatures on applications and accounts Investigators report  XXXX   XXXX  SS #  XXXX  DOB  XX/XX/XXXX  ADDRESS  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , FL  XXXX