23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

Consumer Financial Protection Bureau To Whom it may concern : Im contacting you to complain about a fraud that was done when someone paid for purchases at XXXX and paid for them with my savings account at Bank of America using a debit card. 
I talked to Bank Of America thru the call center and the supervisor and showed the data that I have to show that purchases totaling {$14000.00} were not done or authorized by me. I have printed the chat with XXXX, my traveling passport that shows that I was not in the US when these purchases were made and I sending you copies. Then Banks only response is that I have been in the XXXX website numerous times and did not notify these unauthorized purchases so they assume it was me. They should be investigating who actually made these purchases and where did they go. 
Ive talked to XXXX, I have copies of the chat which Im resending to you, and to the Bank, where they say that the account was created with my personal information and with the data I supplied obviously they dont believe me and that is the reason they can not give me the IP and physical address were the purchased items were delivered. If the Bank thinks there is fraud, then the Bank can request the information and XXXX will supply it. 
The Banks keeps telling me that because I did not notify them within a certain time the Bank will not return the monies to my account. I know the Bank is responsible to protect my money and all they say is Im sorry. Seems to me that they are protecting someone, in this case, someone within the bank, someone that obviously has mi information and knows that I was not checking my balances, I just pay the balances on my credit card, and my savings account do not check it. My credit card is linked or used to pay XXXX but not the debit card, my debit is not, and this is the card that was used to pay for the purchases. 
Ill leave in your hands all this information, but I want the Bank to get me the IP of  pc or phone where the purchases were made and the address to where they were delivered.
Product: Debt collection

on XXXX XXXX I put in a complaint for mortgage company Essex mortgage that was responded to, with them saying they sent my request through mail and provided cfpb with a copy and not through the portal for my protection. I have not received any documents for the documents i asked for, of debt validation. According to 15 usc 1692g debt validation, the company has 30 days to respond for the alleged debt. Essex mortgage has not responded with proper documentation or any documentation providing debt validation. Essex mortgage is a debt collector and are also not a financial institution who is able to give loans. There is no proof that this company has loaned me anything. This company violated the Truth in Lending Act by charging a down payment which is against 15 usc 1605.They are violating 15 usc 1692a Fair Debt collection Practices Act. This company is a perfect example of the illegal things these companies are doing by extorting consumers for their hard earned money. I've worked hard to provide for my family. Under 12 cfr 1431 banks aren't allowed to loan money and strictly take me as a fool with their illegal activities. This company has not recorded the deed of warranty and promissory note to county recording office as well which is a violation of federal law as well. I have recordings of no recording at the county recording office as well as a recording of a essex employee telling me they could not find my promissory note for 15 minutes of being on hold they returned with documents with a whole different loan number than mine. This company is in clear violations of laws that pertain to the Truth in Lending Act and shall be penalized as i intend to do with federal litigation. Also I have tried contacted employee named XXXX who did call me on XX/XX/2023 at XXXX to give her call at extension XXXX in which i received no response with messages,4 times as provided on my phone records. I also will be auditing this company.
Product: Student loan

I am the co-signer for my daughter 's XXXX Navient student loans which have been in default for approximately seven years. I am XXXX and it is recognized by the Social Security XXXX. I am also bankrupt. I filed Chapter XXXX in XXXX and XXXX XXXX in XXXX. For years I have contacted Navient numerous times to try to get this loan out of my name since I will never be able to afford to contribute to its balance. I am not requesting that the loan is dismissed and forgiven ; I am requesting for these loans to be taken out of my name. I was told by Navient of ways to have my name removed ; however, they were very expensive and not an option for me. I have asked numerous times why it is XXXX 's policy that the co-signer can not removed from the loan based on their XXXX. No one has ever been able to give me an answer other than saying it 's XXXX 's policy. It was also recommended by a Navient representative to have a XXXX form completed by the doctor and returned to XXXX for review to see what happens. I did so and was immediately denied with the only explanation being co-signers can not be released from the loan based on XXXX. When I called to ask once again for further explanation of the denial, I was given contact information for Asset Recovery Solutions , LLC which is a collection agency. I immediately called the collection agency. The lady I talked with said she would note my account in the computer and send it to some department. She suggested that I call back in two weeks for an update. I called today, XXXX XXXX, XXXX. A different lady had no idea what I was referring to as she said my file was not forwarded. She then transferred to a manager. This male manager with an attitude was not knowledgeable and incorrect in some of his statements to me. He said that these private loans can not be forgiven by borrower or co-borrower. I asked him why is there such a form if that is the case. I feel that this policy is unfair because the borrower can apply for relief if he or she is disable, but the co-borrower can not. The co-borrower is human as well and can become XXXX and unable to repay the debt.
Product: Credit card

I ordered a bracelet from Jared.com and sent it back within 30 days. Jared Galleria of Jewelry continues to bill me and call me all hours of the day and night. I do not have the bracelet, yet Jared Galleria of Jewelry wants me to pay for a bracelet I do not have. I have requested a new billing statement but Jared Galleria of Jewelry has not done so. The XXXX confirmation shipping number to prove I shipped bracelet is XXXX XXXX XXXX XXXX XXXX. I appreciate any kind of assistance. Thanks. Email : XXXXXXXXXXXX.
Product: Credit reporting or other personal consumer reports

I retrieved a copy of my credit reports XXXX, XXXX, XXXX and discovered an inquiry that I have no knowledge of. On XX/XX/year>, Capital One Auto Finance appear on my credit reports as a hard inquiry that impacted on my credit score. The pre-qualify on the website indicating No impact to your credit score. I never further applied for an auto loan with this company at this present. This should have not been a hard pull Please launch an investigation into Capital One Auto Finance inquiry to determine who authorized it. Upon completion, please provide written correspondence that details the results of your findings. 

If you find that the inquiry is invalid, I am requesting that it be removed from my credit report as soon as possible. But if Capital One Auto Finance is able to prove that the inquiry is indeed valid, please provide written proof and a description of how the investigation was conducted. 

Thanks in advance for your prompt attention to this matter. 

Sincerely,
Product: Payday loan, title loan, personal loan, or advance loan

Lenddumo loans has used my extra payment to affix a higher than agreed interest rate I paid extra {$500.00} on XX/XX/24 with the understanding from Lenddumo representatives than the money would go to my principal the {$500.00} was applied to interest with little to no principle reduction.
Product: Credit reporting or other personal consumer reports

I had an auto loan with SANTANDER and have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. I called SANTANDER, and they said their system mistakenly put me on paperless billing, which I did not request, and it caused me to be 30 days late. As you can see, I have always had a stellar payment record. I tried contacting XXXX, and SANTANDER with no successful resolution. XXXX reported me 30 days late in XX/XX/2023. There was an error on their part. I was never 30 days late.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern This is the third time I have requested the original contract and/or bill of sales, change of title of ownership. I have not received any thing that meets the standard of Section 609 E2 A1 Validation, Disclosure, [ 15 USC 1681g ] of the Fair Credit Reporting Act. According to the provisions of Section 612 ( b ) [ 15 USC 1681j ( b ) ], 623 A1 Inaccurate reporting. In addition if you cant obtain this info you are required to delete this information off, is held liable as well for defamation and in the state of OHIO a creditor is who collects their on debt is considered a debt collector under 1319.12 Taking assignment of debts. FDCPA I fail to see where the following companies are in compliance with OHIO LAW. The following account are still unverified : XXXX XXXX XXXX # XXXX Please notify me that the above items have been deleted pursuant to 611 ( a ) ( 6 ) [ 15 USC 1681j ( a ) ( 6 ) ]. I am also requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report. I have enclosed all of the accounts If you do not remove this items in a timely matter I will file a law suit under section 617 under the color of the law.
Product: Credit reporting or other personal consumer reports

The reporting of transaction history between myself and XXXX XXXXXXXX XXXX is a direct violation of 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( i ). I was not provided a chance to opt out of having my information reported, a right protected by the Gramm-Leach-Bliley Act. I must maintain accuracy in my consumer report. This transaction triggers a taxable event which is treated as gross income. It's important to note that income is not reported on the consumer report XXXX XXXX XXXX account # XXXX opened on XX/XX/2020 XXXX XXXX XXXX account # XXXX opened on XX/XX/2020
Product: Credit reporting, credit repair services, or other personal consumer reports

I been recently pulling my credit to make sure it's in good standing to purchase a home. So, I've come across some errors. I initially called the 3 agencies to have these accounts removed which wasn't much especially since I really don't have many things in my name. 
items weren't removed in which I filed another dispute. Once it was supposed to been verified, I was then told to file an FTC report which I did. Still not removed. Also, on the credit report it shows the accounts were sold which I'm told that's illegal. when I reached out to the creditors i got no response, yet when the credit agency reaches out the accounts get verified. But I know verified doesn't mean validated, and why can't I get anything that's verified by me? The accounts have no payment history listed, and if the account was wrote off why is money still trying to be collected, furthermore even if the account was XXXX mines I was never reached out to, so I never even knew this was put in my name. One account shows it was paid for a few months but when I ask for proof of the card use, bank account, address etc. or the original contract I supposedly signed but I can't get any of this info. Validation letter for the creditor has also been sent. And all mail was certified which I was told there was a 30-day time frame to respond. I have all the violation that have been broken against me listed which have been pointed out by a professional but I'm trying to handle this in the most simple way. 

XXXX XXXX XX/XX/XXXX {$480.00} owed but limit was {$300.00} XXXX  XXXX XXXX XX/XX/XXXX {$450.00} owed but limit was {$300.00} XXXX XXXX XXXX XX/XX/XXXX {$450.00} owed but limit was {$300.00}
Product: Credit card

The transaction I disputed last XXXX still hasn't been resolved. I have already submitted evidence proving the unreasonable behavior of the receiving institution, but Chase processed a dispute successfully within a month. It's been so long, yet my case still hasn't been handled
Product: Mortgage

XX/XX/XXXX, I began to have problems paying my mortgages. I own rental properties and many of them had loans where the payment was doubling. Additionally, a number of my tenants were having trouble paying their rent due to job issues. My rental property was my only income and I began to have serious financial issues. Consequently, XX/XX/XXXX, I filed Chapter XXXX. My reorganization plan was confirmed XX/XX/XXXX and my Chapter XXXX was closed XX/XX/XXXX. As part of the Ch XXXX, I gave back one of my properties to the bank. At the time my lender was XXXX XXXX. Then, XXXX XXXX sold my loan to Ocwen. When Ocwen contacted me about the loan, I presented them with my court documents showing I gave the property back to the bank. It took over a year and countless phone calls and letters for Ocwen to finally acknowledge I gave the property back to the bank. But finally XXXX ID # XXXX, who is one of their BK specialist, finally did acknowledge I gave the property back to the bank in my Chapter XXXX, and we began the DIL process. When we were almost done with the DIL process, Ocwen stopped the process. They changed their minds and refused to acknowledge my court documents. They said I was still responsible for the loan and I had outstanding payments of about {$50000.00}. This makes no sense. My court document -- Memorandum of Points and Authorities in Support of Confirmation of XXXX Modified Chapter XXXX Plan of Reorganization, page # XXXX -- clearly states I gave the property back to the bank. Furthermore, on XXXX/XXXX/XXXX, I received a letter from Ocwen acknowledging I surrendered the property in my Chapter XXXX. I escalated this matter to XXXX XXXX, Ocwen ombudsman. She was no help. She just kept saying I did n't give the property back to the bank. I need help making Ocwen honor my Chapter XXXX reorganization plan which was clearly confirmed by the BK court.
Product: Credit reporting or other personal consumer reports

RE : XXXX Block Request To Whom It May Concern, I am a victim of XXXX and the information listed below, which appears on my credit report, is a result of that XXXX

Please block the following information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I would also appreciate receiving notification of the actions taken. 

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 ) Thank you for your prompt attention to this matter. Please find my proof of identity and XXXX documentation enclosed. 

Sincerely, XXXX XXXX Enclosures Proof of identity XXXX  Documentation
Product: Credit reporting, credit repair services, or other personal consumer reports

Not only that the last date active doesnt match between Transunion and XXXX  but also the payment history is wrong They are lying if they were getting this information from the same source they can be different., this companies are acting with a ruthless acting against me Nothing match and they still putting this information as accurate. 
So many ruthless actions but this credit Bureaus Im this complain I will show the different between both even in the payment history All the proof I sent and they still saying this is the information the furnisher gave us That is a lie.

How if this came from the furnisher nothing match between both reports of Transunion and XXXX  Im tired of this abused of this unfair act and ruthless actions but this credit bureaus
Product: Bank account or service

I reached out to multiple parties at PNC Bank for 2 issues without any success : 1. {$300.00} new account bonus ( get a different story every time ) 2. Excessive overdraft charges that I can not get any recent response to. 
The following is more information : {$300.00} Bonus I opened a Virtual Wallet Performance Select Checking account with a savings account via a banner ad in XXXX of 2012. The banner ad specified requirements and I met all the requirements. I have been following up for over 4 years now and I get different answers everywhere I go. In 2012, the branch told me to call the XXXX number. They told me that I opened the account in a branch ( XXXX I never visited ) and thus was not eligible. I went back to a branch and was told that sometimes they assign online accounts to branches. I called the XXXX number again and they said there was nothing they could do. I go back to branch and escalate and they have someone from XXXX give me a call. They leave a name and number and no-one returns my call. Finally, I find someone and they say that it 's too old. I find a VP and he forwards it along and another person tells me that they ca n't find any promotion at that time. They ask for proof that there was a promotion ... how am I supposed to do that after all this time? 

Now what is really infuriating ... I never got anyone to respond to this inquiry : overdraft fees that have been applied to my account since opening. I have been charged over {$2000.00} in overdraft fees. 

I think what is most frustrating about the overdraft fees is that PNC has overdraft protection ( that I was never told about until my last conversation a month ago with a rep ). I have called dozens of times and made visits to try and understand the fees and how they relate to Bill Pay, CheckCard purchases, and of course the deposits I make to cover the transactions. While I do n't claim to be the best money manager, I have always moved money to PNC to cover such charges. Also, I 'm confused by the consistency of the messages I get ... in some cases I have the fees refunded, in other situations ( which are the same ) I do n't. I get the line from PNC reps that they can only offer a courtesy refund on charges once a year. But then as I go through my statements, some were refunded well within a year of each other. Also, it seems like I get charged multiple fees on the same day for the same overdraft.
Product: Credit reporting or other personal consumer reports

The Fair Credit Reporting Act, specifically 15 USC 1681 section 602, asserts the importance of consumer reporting agencies operating fairly, impartially, and with respect for the consumer 's privacy. XXXX, XXXX and Experian are consumer reporting agencies, and as a consumer, I have the right to ensure the protection of my private information. This right is supported by 15 USC 6801, which states that financial institutions have an ongoing obligation to respect customer privacy and safeguard their nonpublic personal information. 

In accordance with 15 USC 1681 section 604 a section 2, a consumer reporting agency can only provide a consumer report if instructed to do so by the consumer in writing. Neither of these financial institutions ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) nor XXXX, XXXX and Experian have my consent to share this information, written or otherwise. Therefore, any consent previously given to these entities is now revoked. 

Moreover, 15 USC 6802 ( b ) ( c ) stipulates that a financial institution can not disclose nonpublic personal information to a nonaffiliated third party without informing the consumer of their right to opt out of such disclosure. These financial institutions XXXX XXXX XXXX XXXXXXXX XXXX, XXXX & XXXX XXXX XXXX, XXXX XXXX XXXX ) failed to inform me of this option. Additionally, 15 USC 1681C ( a ) ( 5 ) prohibits consumer reporting agencies from including adverse information in a consumer report if it exceeds seven years from the date of the report, except for records of crime convictions. 

The adverse item being reported without my permission is a violation of the law. According to 15 U.S. Code 1681s2 ( A ) ( 1 ) A, it is unlawful to furnish inaccurate information to a consumer reporting agency if one knows or has reasonable cause to believe it is inaccurate. Furthermore, 15 U.S. Code 1681e requires consumer reporting agencies to implement reasonable procedures to avoid violations of section 1681c and limit the provision of consumer reports to authorized purposes. XXXX, XXXX and Experian are not fulfilling these requirements. 

Finally, as stated in 12 CFR 1016.7, a consumer has the right to opt out of reporting services at any time. Therefore, I am exercising my right to opt out of their reporting services.
Product: Credit card or prepaid card

On XX/XX/XXXX my chase card account # XXXX was breeched through XXXX, who contacted Chase and my card was replaced twice with # XXXX then # XXXX due to a additional Back Door hack again from XXXX both Chase and XXXX had credited me for {$1600.00} and XXXX replied that the fraud was caught and it wouldn't be posted to my account either as a charge or cancelation then on XX/XX/XXXX the charge was added back to my Chase Credit Card account and when I questioned your recovery team they replied that XXXX said that there had been a delivery to my address for the purchase of this laptop XXXX denies this and my account records was sent to the chase recovery Team in the XXXX who was very disrespectful to me as I tried to address my account problem, and feel that now on XX/XX/XXXX with a reoccurrence of unusual activity again through XXXX in which I had legitimate proof that someone had a Backdoor through XXXX and accessed my Chase Credit information in which Chase & XXXX try to hide. Which is why I filed a second complaint with the IC3 federal Agency, now I'm being blocked from accessing my account or making payments in which I feel that I'm being singled out and harassed because of my filing this second legitimate IC3 Complaint this past month of XX/XX/XXXX. Someone from Chase did Call me a week or two after I filed my first OCC complaint and asked if I was the Person who had the chase Account and filed the OCC Federal Complaint and when I replied yes immediately hung up and ended the conversation, and up to today I'm still being blocked by Chase online card services, who is keeping me from accessing or paying my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

open Wells Fargo credit card