23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$17000.00}, Bankruptcy XXXX XXXXXXXXdischarged Filed on XX/XX/XXXX Reference number : XXXX Court : US BKPT CT XXXX XXXXXXXX, Bankruptcy : Discharged XXXX XXXX on XX/XX/XXXX Reference number : XXXX Court : US DIST CT, XXXX XXXX bankruptcy discharged XXXX on XX/XX/XXXX Reference number : XXXX Court : U.S. Bankruptcy Court, XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX  Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXXXXXX XXXX XXXXXXXX on XX/XX/XXXX, XXXX XXXX  Inquired XXXX XX/XX/XXXX, XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Mortgage

I sought out a new ARM loan to replace and re-finance XXXX existing home equity lines of credit ( HELOCs ) that I have at XXXX Home Loans ( part of Bank of America ). After extensive document submission and responses to other subsequent requests resulting in pre-approval, the Mortgage Officer attempted to mis-sell me a new, never discussed fixed rate loan or a fully amortized ARM meaning principal and interest rather than the Interest only ARM I applied for. Furthermore, the interest rate for the previously never discussed loan facility was to be materially higher ( despite having an interest rate lock in place at a much lower rate ) than my current HELOCs, which are to begin their principal repayment periods in 2016. This clear attempt at mis-selling is obviously intended to have me wind up with a product that is n't right for me and more expensive than my current credit facility and whose sole purpose was to generate fees and additional income to the lender with no improvement in my circumstances. What I applied for and was pre-approved for was : Loan Purpose : Refinance No Cashout Loan Amount : {>= $1,000,000} Occupancy type : Primary The contact personnel at XXXX are : XXXX Mortgage Services | Loan Processor XXXX XXXX XXXX | Direct : XXXX and XXXX XXXX Mortgage Services | Centralized Sales | Consultant NMLS # XXXX XXXX ext. XXXX | Fax : XXXX
Product: Credit reporting or other personal consumer reports

Navy federal has violated a few consumers laws in regards to my credit report. I have asked navy federal to vary my address because I have not received any information on my account and they are reporting late. My address is also incorrect in their system. I am currently carrying my first child and I want to move into an apartment I can not get approved bc of the inaccuracies on my consumer report. They have violated 15 USC 1681s-7 ( A ) ( i ), 15 USC 1681a , and 15 USC 1666B . The accounts are also closed accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

Today is XX/XX/XXXX and the fraud accounts are still on my credit report with this company. Even after submitting an online FTC report. So again on XX/XX/XXXX I sent an FTC identity theft report. The report was signed and notarized and sent certified mail with green receipt. I will upload copies. Like I stated before in my cfpb complaint, I have been disputing the same accounts since XXXX and I started again in XXXX of XXXX. I asked for validation of debt and was sent a paper saying it was verified. Then when I sent the FTC report on XX/XX/XXXX they still failed to remove the addresses, names, and the accounts that are not mine. I did not ask them to remove it is a demand. Pursuant to FEDERAL LAW 15 U.S. Code 1681C-2 ( A ) the CRA 's have 4 business days after receiving the FTC report to delete and block the reporting information. They did not do what Federal Law said. They sent a response to me through the FTC saying that I need a Police report. On the signature page of the FTC report it states that if you do not CHOOSE to file a report with law enforcement, you can use this form as an identity theft affidavit. At this point, there has been over 8 different violations of my consumer rights. 15 U.S Code 1681 ( a ) ( 4 ) violations is infringed upon consumer 's right to privacy. 15 U.S Code 1681i ( A ) 91.A ) when any account is in dispute on your credit report for any reason by federal law, the account is to be removed from your consumer report while a full and complete investigation is done. The CRA did not validate the debt because the original creditor is the only person that can validate the debt. Pursuant to federal law I am the Original Creditor. Violation of 15 U.S. Code 1692e. I demand that they report the correct and complete information on my report. I'm uploading a new FTC report also. Pursuant to 15 U.S. Code 1681a ( 2 ) ( B ) if a transaction was authorized by your social security card, the real credit card first defined in the FCRA and TILA, the transaction must be excluded from your consumer report. The company is refusing to delete the accounts, names, and addresses that are not mine and I have no knowledge of. Even after filing the proper documents. This whole ordeal has cost me a loan for 26000 for reporting inaccurate information. I am stressed to the max and now I have XXXXXXXX XXXX XXXX XXXX XXXX XXXX I am taking this matter to court and I am uploading all documents.
Product: Mortgage

I am being bullied and forced into foreclosure or bankruptcy by Chase.I qualify to assume my deceased mothers mortgage which I have paid on time since XXXX, but they will not modify the loan, even though I have been accepted into Chase Banks Assumption and Modification program. 
I need to use XXXX in equity out of the XXXX in equity existing in the property and extend the repayment. Without this modification its going to force me to bankruptcy or foreclosure even though as I said, I have the ability to repay my debts if they would modify the loan. 
Since XXXX I don't qualify for a mortgage anymore even though I am current, have a XXXX credit score and pay {$970.00} per month currently under my deceased moms name. That payment is based on XXXX, financed in her name in XXXX. 
Now I owe XXXX on a house worth as high as XXXX per their own value assessment. In reality its worth XXXX, that's XXXX in equity. I want to use XXXX XXXX of my own equity, add it to the XXXX owed, and make payments on XXXX for 30 years at 4 %, which is XXXX XXXX  monthly, plus my taxes etc. of XXXX XXXX  monthly, or {$970.00} per month, all creditors paid off, still their customer, raise my XXXXredit score and remove {$750.00} of MINIMUM payments per month now, the thing forcing me into bankruptcy/foreclosure. I can't afford the mortgage payment AND the minimum card payments, why can't I use my own equity to solve this problem and avoid bankruptcy! Its win win for XXXX XXXX!
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of my Bank XXXX XXXX account from the ChexSystems. It has come to my attention that my banking history, specifically my account with Bank XXXX XXXX, has been negatively affecting my ability to access banking services due to an entry in your system. 
Bank XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these from my files : XXXX : XX/XX/1971 XXXX XXXX XXXX  XXXX XXXX SC XXXX XXXX XXXX XXXX  XXXX XXXX SC XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$630.00}
Product: Debt collection

XXXX has tried to validate that an amount was owed without properly doing an investigation. In previous attachments to this case. I have validated that a notice to vacate was given as per attachment to XXXX XXXX. Additionally, XXXX  has been trying to extort {$3000.00} from me and has affected my good faith name as per XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 
I am requesting this debt owed must be removed and my good name be restored. As per attachments, As per attachment, I am validating an email to XXXX XXXX, the apartment manager was provided to apartment before moving. Additionally, I spoke with XXXX XXXX, apartment manager on a phone call to provide keys for apartment unit to keep everything in good faith. 
However, months after moving out I received mail and a phone call from apartment owners XXXX. As per attachment, we exchanged emails then everything stopped. I emailed XXXX a few times with no response. 
All of sudden, a few months later I am founding out my information was sold to a debt collector. Who has fraudulent tried to extort money from me. Making threatening phone calls to my daughter whos under age. In the attachments, I show that previous contact was made to voluntarily remedy the situation and both times the correct information was not given. 
I am asking Columbia to either remove or this needs to be investigated. Columbia has done nothing to remedy the situation with full validation.
Product: Debt collection

On XX/XX/2022 I received a letter from Jefferson Capital Systems LLC stating they have a debt they are trying to collect on. I sent them a letter on XX/XX/2022 asking for supporting documentation/verification of this debt. They did not respond. ( the account was not on my credit report ) On XX/XX/2022 I received a letter from XXXX stating they are trying to collect a debt. I sent them a letter via on XX/XX/2022 asking for supporting documentation/verification of the debt. 

On XX/XX/2022 I received a letter from XXXX stating the account with Jefferson Capital Systems LLC has been closed and " returned to their client ''. 

on XX/XX/2022 I also received a letter from Jefferson Capital Systems LLC stating they received my dispute and have been unable to resolve my request because they need additional information. 

On XX/XX/2022 a collection account from Jefferson Capital was put onto my credit report. 

I have not received any documentation regarding this account. I dont believe this account can be put onto my credit report without providing me proper documentation validating this account.
Product: Debt collection

NATIONAL CREDIT SYSTEMS has ignored my attempts to reach out via certified XXXX mail requesting proof and validity of debt. This is for an account that was not authorized by me and they are not responding to work with me to produce any information to prove the validity of said debt. I have attempted to dispute this debt with credit reporting agencies for removal.
Product: Checking or savings account

I am filling a complaint with the CFPB regarding Capital Ones failure to deposit my direct deposit from my employer. Capital one has cited it as technical issues, which violates the Electronic Funds Transfer Act ( EFTA ) as it requires timely access to funds. This situation raises concerns about consumer protection laws, and I request your assistance in investigating this matter to ensure my rights are upheld.Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

This all started on XX/XX/21 a Monday. I went into Chase Bank in XXXX, Ohio to deposit a " cashiers check '' into my savings account the check was for {$9900.00}. I have been doing business with them for over 55 years and I am XXXX XXXX XXXX. You choose a bank to take care of your money plus take care of you as you get old. When I got to the teller, I told her I was skeptical and concerned about the the check and to look it over good to make sure it was good, being out of state and everything. She said '' IT LOOKS GOOD AND ONLY LOOKS DIFFERENT BECAUSE IT IS FROM ANOTHER STATE AND SHE WOULD GO AHEAD AND DEPOSIT IT. SHE SAID IT WILL APPEAR AS PENDING ON YOUR STATEMENT AT FIRST, BUT WHEN IT SHOWS IN YOUR BALANCE THE CHECK WILL HAVE " CLEARED ''!! I watched my statement on the computer and it did appear as pending and then the next day it appeared as part of my balance. So going by what I was told the check cleared. Being it was a " cashiers check '' and what the teller told me I felt the bank knew what it had told me. I went on to conduct business knowing that the bank said the check had cleared. As it turns out the check bounced and I got skamed out of {$5300.00}!!!! Now I want my money back, because the bank told me the check was good and they have a obligation to older citizens to protect them especially after I told them I was suspicious and concerned about the check!! This all happened from XXXX Chase Bank refuses to do anything and it all was their fault!!
Product: Credit card

Been denied my own credit is discrimination and the accident US Bank is portrayed is disgusting unfathomable 12 USC 83 States no Bank shall lend any credit and 12 USC 1431 under duties and powers of banks it stays the banks or the borrowers which means since they are the XXXX and I'm the card holder that they can not be the Creditor at the same time so where does the credit come from it comes from me US Bank is denied My Own Credit access to under a consumer credit transaction for essential household and family needs I've been denied this and I would like this taken care of I would like to remedied and made right by US Bank or my next step will be Federal lawsuit
Product: Consumer Loan

I had a Macy 's credit card. The account had gone into collections in XXXX. On XXXX, I called and offered that I would pay off the account in full -- however, only with the condition that Macy 's agreed to then request the XXXX credit bureaus delete the account from my credit file. The agent, XXXX # XXXX told me that if I paid the account off in full, I could then submit a " credit bureau dispute '' to their office, at fax # XXXX and request a deletion, after which they would delete the account. I paid the full balance of {$320.00} and I sent the credit dispute to Macy 's office by fax on XXXX. I called on XXXX. The agent said that they completed the review, but mailed the response to my old address. I requested that it be sent to my new address. She refused. She also said that they declined my request. Thus the initial Macy 's agent falsely promised that if I followed the steps outlined, they would delete the Macy 's account from my file. It appears that he lied in order to get a commission on the payment. This is dishonest.
Product: Credit reporting, credit repair services, or other personal consumer reports

I request that you immediately remove this account from my credit report with your firm, or provide me with the exact source where you received such information. Pursuant offer section 605B ( a ) ( 1 ) ( 2 ) you are required to BLOCK or REMOVE any information in my file that resulted from alleged identity theft, not later than XXXX business days after the date of receipt. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Experian is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotionally, physically & financially ... and I would truly not what to pursue a legal remedy ... PLEASEDELETE IMMEDIATELY! 

XXXX XXXX XXXX XXXX
Product: Mortgage

When trying to make a monthly mortgage payment to Gregory Funding, which is a new mortgage company, as our loan was transferred, the website keeps crashing. When attempting to call, the number provided goes to some random voicemail. I have no confidence in making payments to this company.
Product: Mortgage

This company foreclosed on our house. We never even heard of this company. They have never reached out to us. We never received a statement we were never told our house belonged to this mortgage company.
Product: Debt collection

XXXX XXXX I got a letter in XXXX  from Credit Control , LLC in the amount of {$500.00} I've called several times and was able to get a hold of someone who spoke XXXX and mentioned that this account didn't belong to me as the Name and address did not match, this was removed on XX/XX/XXXX and then 28 days later on XXXX XXXX I noticed that there was a new Collection from XXXX XXXX XXXX, for {$500.00} I have tried several times to contact and finally got in contact with them they mentioned that I due owe this amount, I've asked for proof in writing and I get nothing back, yesterday XXXX XXXX I got a letter stating I owe {$460.00} how is that possible? And on my credit report it showes I made a payment of {$38.00} on this account? I do believe that this is fraudulent can no one tell me where or how my payment was made. I'm reaching out to get this resolved because it's effective my overall health of life, my credit score has dropped significantly that I can't even apply for any line of credit. Please HELP
Product: Credit card

Credit card was declined for a {$29.00} charge. Credit limit on account was {$20000.00}. Amount owing was around {$1000.00} because I had just made a payment of {$6600.00} on time and statement balance in full. Called Chase CC : they gave no satisfactory answers " we 'll make a note ''. Asked to speak with supervisor. Male gave his name as " XXXX '' and when I asked for full name, said it was " XXXX '' on his birth certificate. I asked his employee number and he refused to provide it. This company has a record of declining charges. In this case, they sent an email where I verified I had attempted the {$29.00} charge. After verifying this, the card continued to be declined. Is there any consumer protection for poor customer service like this.
Product: Debt collection

I signed up with XXXX XXXX XXXX in Arizona and learned that the Headquarters were in California. I started out paying {$200.00} a month, then increasing to {$400.00} a month, until I had no more communication with this company. Instead of them contacting me about my credit card debt, they reported all of them CHARGE OFFS on my credit report. BUT, one account XXXX thru XXXX XXXX XXXX, CEO, SOLD my account to LVNV, LLC. in XXXX XXXX XXXX XXXX. An attorney informed me that these two companies have not gone by the law. My XXXX balance was reported to the Management of XXXX, due to an employee pushing Makeup and calling customers trying to get them to buy more and more cosmetics. But XXXX did nothing to help! At that time, the balance was around {$1000.00}. TODAY, with LVNV my balance is over {$3000.00}. I disputed it to the Credit Bureaus. But, I am between a ROCK and HARD place, due to XXXX XXXX XXXX not contacting me about my account and CHARGING OFF all my CREDIT CARDS. 
PS This account was not thru XXXX XXXX XXXX. It was thru XXXX XXXX. XXXX may have changed to XXXX XXXX XXXX. At the time this account was going on, it went thru XXXX XXXX. 
XXXX XXXX XXXX charged off many of my accounts, which shows on my credit report, without contacting me about them or allowing me to pay toward them each month. 
Thank YOU, XXXX XXXX