23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I noticed XXXX XXXX XXXXXXXX XXXX XXXX, on my Credit Report. I have never even heard of this company, nor have I ever had a loan through them. 

I also noticed XXXX XXXX on my credit report. I have never had mobile services or any kind of service through XXXX XXXX.
Product: Credit reporting

I have tried numerous time disputing inquiries on my report from XXXX XXXX to the present with bureau. I did not apply for a job or was granted credit with these people and want them removed. I have even tried sending letters to creditors with no response from the bureau or the creditors. Transunion also reinserted previously deleted inquiries in XXXX XXXX
Product: Money transfer, virtual currency, or money service

I received a payment from a company I work with and it was sent to the email address associated with my paypal account. Before that I tried to send money from my bank account to another paypal account, a feature that is provided by PayPal, but the payment was declined after 7 days and that same day paypal limited my account which means I couldn't buy, send or transfer money with my account. When I contacted paypal, the asked me to verify my information which I did and I was old to wait 2 business days before I could access my account again. Less than 24 hours later I received an email, from Paypal saying my account was closed and I will only be able to receive my hard earned {$50000.00} after 180 days. 
Paypal has no legal right to hold customer funds for more than 10 days, paypal is abusing its customer, more specifically its sellers and there ; s nothing we can do. 
I don't care if Paypal closes my account, I just want to be able to withdraw my money and so I don't have to ever deal with a such shady company.
Product: Mortgage

My name is XXXX XXXX and I am a lifelong resident of XXXX. For the past two decades, I have resided happily in my home located atXXXX XXXX XXXX, XXXX, CA XXXX. Having been in my familys possession since XXXX when the loan was disbursed, this house was previously owned by my parents. The loan was for purchase and a few years back, I was so proud to finally be added to the deed. Payments have been made on this residence for quite some time now. Towards the end of XXXX, I experienced a few hardships. There are a few factors in my situation that negatively affected my ability to remain consistent on the payments for a period of time. Namely, my fixed-income status, my age, and my XXXX. Ultimately, this all coalesced into XXXX becoming the last time I was able to afford my payment. Fast-forward to today, only a few months later, and I am being informed that the mortgage is presently in per-foreclosure status. Despite my attempts to reach out to Wells Fargo for assistance. Despite our worldwide pandemic. Despite my situation. I urge you to hear me out. 

First, lets keep in mind current events, please. I know everyone is aware of what is going on regarding Covid-19, but I feel compelled to point out that it also affects ME as a human being. I am elderly and XXXX, which automatically categorizes me as a high-risk individual. That alone is scary enough to have to deal with. Businesses, companies, and banks like Wells Fargo are out here scrambling around trying not to let this virus negatively affect their stock too bad. I am here trying not to let this virus kill me. I really am doing what I can with what I have. Would Wells Fargo really take my home from underneath me in the midst of this historical crisis? I just want to be safe right now. 

Next, Id like to highlight the lack of assistance Ive received from Wells Fargo upon reaching out for help. Twice previously, I inquired about the options available to me regarding what could be done to relieve a bit of my financial burden in the trying times Ive over the past few years. FIVE people I have talked to so far : XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX. I have to keep track of all this because I keep getting the run-around. I get the wrong information and no real aid. I would encourage Wells Fargo to kindly look through their case notes and help clarify in simple terms what can be done for me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently sent a dispute letter to Transunion on XX/XX/XXXX in regards to a previous car loan. I pulled my credit reports and noticed that Transunion was reporting an incorrect/different close date. Transunion reports a close date of XX/XX/XXXX while XXXX shows a close date of XX/XX/XXXX ( and XXXX does not even show a close date ). This shows me that, although it was said that it occurred, the account has not been properly verified, and Transunion has not done its due diligence, and instead continue to respond to my disputes that the account has been " updated ''. They have continuously shared incorrect information although it has not been properly verified. As a result, I requested and asked that the account be deleted immediately.
Product: Mortgage

XXXX XXXX XXXX keeps raising my monthly payment on my home. I was told this was a fixed monthly payment loan. And for awhile it was. But first it went up to XXXX XXXX dollars. Now it's up over thirty-six hundred dollars. 

I can not afford these escalating payments. I think they are engaged in a predatory practice of raising my monthly payment when it was supposed to be fixed, in order to steal my home.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc ) due to inadequate customer service and unfair practices, which violates the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. There dispute resolution process was unfair, deceptive, and did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions has caused a huge inconvenience for me and my family. With high financial losses. I would like to seek appropriate actions for these violations.
Product: Debt collection

This fake agency claiming to be a collection agency. Theyre telling me I owed money to XXXX XXXX XXXX and they keep reporting to credit bureau. There are many complaints against Credence Resource Management and XXXX   supposedly had nothing to do with them.
Product: Checking or savings account

Chime let someone take XXXX of my XXXX check they let someone make 21 transactions and then denied my claim it then I deposit {$200.00} and this is supposed to be for rent now my wife said months XXXX  and I deposit {$200.00} and I left my bank card at the gas station and I'm on social security cuz I have a XXXX XXXXXXXX and my PIN number was with my wallet and as I'm on the phone with time trying to cancel my card and they put me on hold for 2 hours somebody done found the card and took the money out the ATM
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a collection on my Equifax credit report placed by XXXX XXXX XXXX. It has been on the report for a year and 8 months. On XXXX XXXX. 2022 I called the XXXX and made arrangements to pay the debt, I paid at once with my bank debit card, they in turn notified Equifax of the settlement. Equifax now shows the debt as paid but continues to report the debt as a negative with remarks that lt needs my attention. This is keeping my credit score from a fair rating. Everything else on my report is perfect.
Product: Debt collection

I pulled up my credit report and notice a collection debt from Deville Asset Management for $XXXX being reported. I have disputed this with credit bureau but no information has been provided about the account to me. I sent a certified letter to Deville Asset Management and still no response or information about this account. I haven’t received any information nor have I signed any contract with this company. I am unaware of the company. They are destroying my credit with this collection account on my credit report. This needs to be removed off my credit report because I have never done business with this company.
Product: Debt collection

I have been going through Identity theft since the year XXXX Recently my personal information has been leaked in multiple data breaches including XXXX ( engagement number XXXX ), XXXX, XXXX, and XXXX XXXX. I received my consumer report and saw an inaccurate account being reported. My FTC report, driver 's License, and dispute letter have been attached to this complaint to support my claim of identity theft. 
This dispute is a formal notice pursuant to 15 U.S.C. 1692c ( c ) that I refuse to pay the alleged debt associated with Account # XXXX AMSHER COLLECTIONS SERVICES ( Original Creditor : XXXX XXXX XXXX ), and I demand that you cease all communication with me through any medium, including verbal, electronic, and most importantly, reporting to any consumer reporting agencies ( XXXX, XXXX XXXX XXXX XXXX .The only acceptable communication from your office shall be via U.S. mail , solely to confirm the permanent deletion of this account from all consumer reports.Additionally, I demand the method of verification used in your prior investigation. I am concerned with the validity and accuracy of your findings.

Please provide answers to the following : 1. What did your representatives uncover that validated your reporting? 
2. What certified documents were used to reach this conclusion?

3. Provide a complete copy of all information transmitted to the data furnisher.

4. What was the cost of obtaining these documents?

5. Show proof of timely procurement of certified records.

6. Did you speak with a live representative of the furnisher? a. Who? b. When? c. How long? d. What was their role? e. What number was called? f. Which employee on your team made the call?

7. Provide the date of first delinquency.

8. Provide the exact date this account is scheduled to stop reporting.If you can not provide full and verifiable documentation within 15 days, I demand the immediate and permanent removal of this account.

I did not grant permissible purpose for you to furnish this inaccurate information. Failure to comply leaves my no choice but to pursue further legal action.
Product: Credit reporting or other personal consumer reports

I sent disputes to TransUnion, XXXX, and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them of the violations they were making to my consumer report. It has been over 60 days and they have failed to respond. I am attaching copies of all letters sent below. 

This company has violated F

CRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. This company has continuously failed to validate this collection account further violating FDCPA 809b pe
r the FTC opinion.
Product: Checking or savings account

Today I received overdraft statement stating that {$100.00} was overdraft. When I called to inquire about this they told me that the XXXX XXXXXXXX payment was paid by direct pay, which is not true. I pay this with a debit card, the bank holding my funds until the last minute, when there was no money left and charge me overdraft fees.
Product: Credit card

After 8 months of communication with Capital One and hundreds of pages of supporting documentation regarding counterfeit goods received, Capital One has declined my requests for reimbursement from the seller. Their service was pitiful and their decision incomprehensible. I will be filing other formal complaints and charges against them.
Product: Mortgage

My mortgage was transferred from XXXX XXXX XXXX to XXXX XXXX XXXX. Upon receiving notice that my loan had been transferred, I received a new list of servicing costs from XXXX XXXX XXXX. The fees now being charged for basic services have all risen drastically. In one case -- fees charged to litigate a claim against me -- has gone from {$350.00} to {$20000.00}. Another fee -- the fee charged to compensate attorney for services rendered -- has gone from {$30.00} to {$35000.00}. I do not foresee the need for either of those happening, but it certainly would be a serious issue were I to need to file a case against my loan servicer. Additionally, even the fees I need to pay if I wanted to refinance and get away from XXXX XXXX ( e.g. appraisal fee, inspection fee, lien release fee ) have all gone from {$0.00} to several hundred dollars.

I was not consulted when XXXX XXXX sold my loan. I am now with a company that clearly wants to keep me as a customer by making my switching costs extremely high. This is completely ridiculous.
Product: Credit card

Hello, My name is XXXX XXXX XXXX, I am a Consumer who currently resides at XXXX XXXX XXXX XXXX XXXX, FL XXXX, in XXXX XXXX . I am writing this complaint in good faith, with hope that it can be resolved amicably. This unilaterally signed agreement contains errors that I have become aware of. Please see the Claims to an Instrument Notice, along with a Revocation of Power of Attorney, Rejected and Modified agreement attached. 

This shall serve as a Notice to Jefferson Capital Systems , LLC 's affiliates as well, including the card issuers. 

XXXX XXXX XXXX, Consumer. All Rights Reserved UCC 1-308
Product: Checking or savings account

On XX/XX/year>, a bank debited XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  because of the bank business 's decision to end relationships. Then, I am surprised it closed my both accounts ending XXXX and XXXX because I was not doing any fraud/suspicious activity on the debit card and neither I was doing business with this bank. It was just regular checking and savings accounts. 

As far as my understanding, the bank can not close my bank account according to business 's decision because I don't own a business and my status was not a business account. So, it is a discrimination by someone from fraud department decided to close my bank accounts regarding being XXXX to me. I read the account closure agreement. It did not state about closure on good standing bank accounts. It just says closure on fraud, suspicious activity. My account is good standing and good relationship with this bank. So, please reconsider it. Thank you. 


See at XXXX XXXX XXXX XXXX XXXXXXXX different responses from XXXX different resolution specialists for XXXX problem in resolving accounts. As XXXX XXXX XXXX, phone number XXXX, with case # XXXX, dated XX/XX/year>, saying that, " also reflected in the agreement under the heading freezing your account, if we decide to close your account ( XXXX ) we XXXX freeze it. If any time we believe that your account XXXX subject to irregular, unauthorized, or fraudulent activity, we XXXX, in our discretion, freeze some or all of them ye funds in the account and in other accounts you maintain with us, and/or delay transactions, without any liability to you, until such time as we are able to complete our investigation of the account and transactions. Which contrary to XXXX XXXX XXXX, phone number XXXX, dated, XXXX XX/XX/year>, told me, saying, " In accordance with the terms of the Deposit Agreement and Disclosures publication ( the Agreement ) either we or our client can close an account at any time. The relationship between a bank and the client is a contractual one, and under the terms of the XXXX, we have no obligation to disclose our reasons for closing the deposit account. For additional information, please refer to the section titled Account Closures, Transaction Delays, and Conversions/Changes to Account Settings for more information. The XXXX is available to all clients on our website at XXXX XXXX XXXX, who is telling the truth? 

So, please reconsider it or else I take bank of America to court.
Product: Credit card

In XXXX of XXXX, I received several fraudulent transactions on my Chase Sapphire card. After noticing these charges I called Chase customer service and was told explicitly by a customer service representative that I would not have to pay the charges. Subsequently, Chase closed my Chase Sapphire on XX/XX/XXXX due to the fraudulent transactions and consequently removed it from my XXXXXXXX XXXX  and other virtual wallets, but not before cancelling my request for a replacement Sapphire card. Moreover, due to its closure, my Chase Sapphire card was unlinked from my XXXX budgeting account and Acorns investing account on XX/XX/XXXX. 

However, beginning in XX/XX/XXXX, I have been receiving calls from Chase Customer Service regarding paying off the remainder of the closed account 's balance, which was then an amount of approximately {$540.00}. After several months of receiving these calls, keeping in mind that the aforementioned representative said that I would not have to pay back the fraudulent fees, I called Chase on XX/XX/XXXX. 

I conversed in depth with yet another representative and inquired why this closed credit card account - whose balance exceeded {$700.00} - was affecting my credit score. Paying back fraudulent fees would make no sense because I did not make the charges and I was given Moreover, throughout the conversation, I asked several times for my account number so that I could view the total, concise amount owed on the supposed " delinquent '' account. I unfortunately was not given that information even after verifying who I was via my social security number and email address.
Product: Credit reporting or other personal consumer reports

I opened a secured XXXX XXXX XXXX XXXX loan with XXXX XXXX which is currently reflected on my Transunion file. The full amount of the {$1000.00} Original Balance was never received up front to me directly. A portion of this amount was available to me. {$400.00} or so. Then the rest, I made payments and at the end of the 12 month term, I would have access to the balance in it's entirety. I never received the other {$600.00} and XXXX XXXX has continued to report inaccurate information on my credit file. Status : Account charged off. {$960.00} written off. {$110.00} past due as of XX/XX/XXXX. How are you able to write off an amount of {$960.00} when the past due balance was {$110.00}? The original Balance for this secured loan was {$1000.00}. Again, those funds were never received in the full amount at the beginning of this loan as this was a " secured loan '', not a secured credit card, but a " secured loan ''. Transunion reports in my 24-month payment history that the month of XX/XX/XXXX and XX/XX/XXXX the account remained in a " charged off '' status. How is it possible to remain in a charged off status when the last payment date is stated to be XX/XX/XXXX? This is inaccurate information reported. Furnishers must comply with federal regulations that identify when an information furnisher must investigate a dispute made directly to the furnisher by a consumer. Under these regulations, furnishers must complete an investigation within 30 days ( or 45 days, if the consumer later provides relevant additional information ) unless the dispute is frivolous or irrelevant or comes from a " credit repair organization. '' Section 623 ( a ) ( 8 ).
Product: Debt collection

I got a letter in the mail stating I owed a debt and this company wanted the money because they purchased the debt. I replied asking for account details and also sent a letter asking them to stop calling my personal number as they were calling multiple times per day, every day. I sent all of this registered mail and made someone sign to pick it up. I then got a letter back with account information that was from an old credit card debt, so I know they got the packet I sent, yet they still call daily even after being asked to stop. I have contacted my local XXXX XXXX and gave them a copy of the original letter so that I have legal back up and so they could provide me with the legal steps to follow to prepare to file suit due to this company 's blatant attempt to ignore my cease and desist letter. 

The tracking number for the original letter is as follows : XXXX XXXX XXXX XXXX XXXX XXXX That was mailed on XX/XX/2022 to Credit Control , LLC.
Product: Debt collection

Request a Signed legal document from company. Company stated an enrollment form. Enrollment form is not a validation of debt. Requesting a signed legal document validating debt with said company. Company is using stall tactics to try to fraudulent create a document and keep reporting inaccurate information to the credit bureaus
Product: Debt collection

I received a letter from Phoenix Financial Services about XXXX XXXX XXXX XXXX. They are asking for {$850.00} for " XXXX XXXX XXXX. '' I have responsibility paid all of my medical bills through XXXX or related labs by my physician and this " XXXX XXXX XXXX '' is fraudulent and incorrect. I've never used any sort of " XXXX XXXX XXXX '' I believe my identity was taken or that my information was sold.
Product: Mortgage

On XXXX XXXX, 2015, I spoke with XXXX at Rushmore and confirmed all documents were received and sent to be reviewed. XXXX XXXX called the homeowner to ask for social security benefits documents and it was faxed over XXXX times. After confirming that the documents were received, Rushmore foreclosed on XXXX XXXX who is XXXX years old. XXXX XXXX has no where to go and the abuse that 's going on against the elderly must stop.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted an official FTC Identity theft report to all three credit bureaus ( XXXX   Equifax, and XXXX ). I sent in my FTC ID Theft report, Local Police report, id, detailed letter, and all other documents stated necessary in the FCRA 605B. The documents were confirmed received on Tuesday XX/XX/2019 and signed at the USPS post office by someone named XXXX XXXX. 

In the detailed letter I included multiple accounts that were reporting on my credit history due to identity theft. Per the FCRA 605B, those items requested should be blocked as long as I met all the document requirements within 4 business days after the receipt of said documents. The FCRA 605B ( included in the attachments here ) specifically lists the documents that need to be submitted. I sent in all of those documents and they were received. HOWEVER, when I called XXXX on Monday XX/XX/2019 to check the status on the request, the Fraud department specialist, XXXX, let me know that the documents I sent in did not meet their INTERNAL requirements. When I asked her what she meant. She explained that even though the FCRA has their guidelines and documents listed in their 605B, the credit bureaus have their own internal requirements that have to be met. She proceeded to let me know that if those internal requirements are not met, it doesn't matter what the FCRA says. I asked her to let me know what " requirements '' I did not meet and she said that it is internal and she can not disclose what they are. I reiterated that I sent EVERYTHING per the FTC and FCRA, and she said that eventhough that is true, I didn't meet their internal requirements. I asked her multiple times to please tell me what they are, and she refused. Those fraudulent accounts were supposed to be removed on Monday XX/XX/2019 ( today ) and she let me know that Transunion will not block them because I didn't meet those requirements, and instead are doing regular disputes that will take 30 days to respond. 

I submitted EVERY document the FCRA mentioned. This is ridiculous that, even though she didn't SAY it, she implied that they are above the FCRA. They need to block those accounts in the list I sent them IMMEDIATELY. TODAY is the last day per the FCRA. It is ridiculous that they are shrugging it off as a normal " dispute '' when they don't want to tell me what the " requirements '' i didn't meet are! 

The same applies to XXXX AND EQUIFAX. I haven't spoken to them on the phone, but I checked my credit report for both of them today and the information has not been updated per the FCRA.