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

My personal information was stolen in XXXX, since then Ive been seeing a lot of unauthorized inquiries and accounts. Ive attached a federal trade commission report pertaining to the incident. In accordance with the Fair Credit Reporting act multiple unauthorized Inquiries have been found on my credit report please investigate and Remove all inaccurate inquiries I have listed immediately, the following includes : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/year> : XXXX XXXX section XXXX A. States I have the right to privacy. 15 U.S.C 1681 Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my hand written instructions. 15 U.S.C 1681i Section a : states that if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file if no documentary evidence is found in accordance with FCRA, before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Supported documents below ID UTILITY BILL FTC REPORT
Product: Mortgage

The note amount $ XXXX with $ XXXX/mo payments via " Lender '' - XXXX XXXX XXXX XXXX , for the property Note transferred to XXXX in XX/XX/XXXX mature in XX/XX/XXXX, Transferred to GreenTree /  Ditech Financial LLC . in XX/XX/XXXX. Since, the following issues have evolved : - Escrow amount skewed ( i.e. ( XX/XX/XXXX ) = {$530.00} ; ( XX/XX/XXXX ) = {$880.00} ; ( XX/XX/XXXX ) = {$810.00} ), I questioned the high escrow # in an email on Ditech Web, ( see attached ) and requested the tax and insurance bills to verify the expense charges to escrow. In stead, Ditech sent me a payment ledger for Tax and Insurance for my property ; which, I expect would balance out, coming from their ledger. But, where are the actual bills? However, there was a drop in the escrow amount immediately following my email. ( see attached ) - Escrow charge variance brought account instability. 
- Damaged credit report. Subsequently, unable to refi the house. 
- Ditech Mod-offer, in the short run, will fail due to the Escrow shortage build-up. 
- I have paid 14 year on interest, why am I still charged more on I than P.?
Product: Checking or savings account

chase bank previously XXXX XXXX  say they sent my savings account money to the california state comp troller in the year XX/XX/XXXX due to inactivity opened in XX/XX/XXXX XXXX dollars with 5 percent compound intrest they refuse to send comfirmation of ballance and sendini my savings ballance to the calif comp troller Iive been trying for over 15 years to release the information they now claim they lost and can not find my savings account but i still have the bank book im still trying to obtain my savings account funds from them
Product: Credit card

On XX/XX/XXXX I sent a complaint ( # XXXX ) to the CFPB because I could not close my TD Bank credit card and, subsequently, fraudulent charges appeared. On XX/XX/XXXX, TC Bank sent a letter ( attached ) indicating that my account had been blocked and that I would receive a credit for the fraudulent charges. This letter referenced my inability to close my account, and by mentioning the account was blocked, lead me to believe that no further charges could occur on this account. On XX/XX/XXXX, I received an email from TD Bank indicating that a new charge appeared on the account that I requested be closed. I never approved the opening of a new account and very clearly indicated that I wanted my account closed. Not only do I believe that this new charge is fraudulent, but I believe that opening this account was fraudulent since it was clearly against my previously stated wishes. On XX/XX/XXXX at XXXX CT, I called TD Bank to attempt to resolve this issue, but the customer service representative I was speaking with hung up on me and no one called me back. I want TD Bank to permanently close any and all accounts associated with me and remove any associated charges.
Product: Vehicle loan or lease

On XX/XX/XXXX, I signed an agreement with GM Financial to lease a XXXX XXXX electric car. The agreement was to expire on XX/XX/XXXX. 
Based on the agreement, I pay a monthly charge and be entitled XXXXo drive 15,000 miles per year, or 1,250 miles per month. 
On XX/XX/XXXX, I contacted GM Financial to extend the lease agreement and GM Financial agreed to extend the lease agreement for two months. With the extension of the lease agreement, both GM Financial and I understood that the allowed mileage will be increased proportionally to be 15,000 X3 +1250X2= 47500 miles. I also paid additional monthly charges to GM Financial for the XX/XX/XXXX and XX/XX/XXXX. 
On XX/XX/XXXX, I returned the car XXXX day before the new end date of the lease agreement. The odometer read : 48,304 miles. 
After that, GM Financial sent me a bill charging me, among others, a milage fee in the amount of {$820.00} ( = ( 48304-45000 ) X0.25 ). This amount was calculated based on the originally allowed mileage of 45,000 miles, but failed to consider the 2500 miles of additional two months of driving.

I paid GM Financial based on the following calculation : ( 48304-47500 ) X0.25 = {$200.00} and also explained the reason. 
GM Financial refused to listen to my explanation and also reported this issue to the credit agencies. GM Financial 's capricious business behavior damaged my credit score and impacted my financial activities including my loan application.
Product: Payday loan, title loan, or personal loan

I have haXXXX XXXX XXXX XXXXns since my husband was in the XXXX XXXXXXXX, title max XXXX Ga, I have paid one off and then they extended my most recent XXXX at XXXX a month I owe XXXX and they said nothing I pay goes towards the interest. They said when they ran my social it didnt pop up I was a military spouse however I am and I am currently living on base out of state I have reached out to try to figure out an agreement but I am told if I dont pay they will take my vehicle.
Product: Money transfer, virtual currency, or money service

I contacted XXXX XXXX on XXXX initially in XX/XX/2019 to get a quote on fixing or replacing cracked tile in my shower as well as cleaning the stone floor. He came by to see the job in person and gave me a quote. I didnt have the money at the time so I told him I would keep him in mind. Fast forward to the beginning of XXXX, I reached out to him again on XXXX on XXXX to setup a time for him to come and complete the job. It took him a few days to respond as according to him, he was experiencing technical issues with XXXX. I didnt hear back from him until XXXX where I gave him my number to call me to setup a time. He was originally supposed to come on XXXX but due to fires he couldnt so we reschedule for XXXX. He came at XXXX XXXX  with another gentlemen and started the work on the shower floor which was fixing cracks and cleaning/sealing. He told me it would take about 2-3 hours for the sealant to dry and I had to leave to get my kids from school. He asked when he could come back to finish the job which was fixing the cracks in the tile on the wall and cleaning the grout and I told him I would be available on Tuesday, Thursday and Friday. We both agreed he would come back on Friday XXXX. Before he left he was supposed to provide me with the invoice to pay and he was again having technical issues. He left and later that night he emailed me the invoice and I paid via XXXX from my bank account with XXXX XXXX. Well Friday came and went and he never showed up even after I sent him a text message asking if he was gon na show up. He responded to me that Saturday XXXX saying he was dealing with fire restoration and asked if we could reschedule for the upcoming week. I Provided him with my availability and he never responded. I then reached out to XXXX who started an investigation. They reached out to him numerous times and he never responded so they suspended his account. I then received a message from him on XXXX saying his truck was stolen with his equipment and it would take a week or two to recover. By this time myself and my husband were already pissed this guy never contacted us and didnt reach out until XXXX suspended his account. He then requested I reach out to XXXX   and let them know he reached out to me so they can unsuspend his account. The rep with XXXX  even expressed concern that he didnt reach out until his account was suspended. As of today ( XXXX ) the job has still NOT been completed and XXXX has STILL not reached out to us for resolution. I filed a dispute with my bank who denied it saying because I used XXXX I can not get my money back and XXXX says they will not give me my money back since they completed the transfer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted several disputes to Equifax about inaccuracies on my consumer report. By law nothing should be on my report that is incorrect or not exact. Equifax has published my report and nothing is valid or correct. I have disputed this information over the past 2 years with no success I have been denied credit due to Equifax inaccurate reporting. Credit Cards are being reported open with the wrong amounts, and dates, Student Loans reporting wrong amounts and dates. Debt Collection accounts are being reported as past due. Everything on my report is incorrect and I demand everything be deleted.
Product: Credit reporting or other personal consumer reports

There had to be some type of credit/ information breach. I always paid on time yet midland credit management says I owe XXXX throughout my credit history Ive always paid on time. You can see my reports informed them this was fraud.
Product: Credit card or prepaid card

My Name is XXXX XXXX XXXX. i live in XXXX XXXX XXXX # XXXX XXXX XXXX, NJ XXXXSome one stole my identity and opened a credit card account with XXXX XXXX while he used my information using different address than my physical address. Accordingly, I received a court not by mail. The XXXX XXXX credit card company referred the case to a collection company. I called the collection agency to dispute the claim while the asked me to file a police report and file a complain using FTC.GOV.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to have XXXX credit agencies to report accurate information over the last 4 to 5 times. I have sent in formation to show that they aren't reporting accurate information. They explain to me that they either didn't not receive my information or the following account came back verified. The information I sent was by mail, online, and by phone. I request the following information to be deleted due to the inaccuracy of reporting with a copy of the original document from the original source. I have gotten hung up on for trying to have them report my information correctly. I have sent several document to both credit agencies to have these things updated or delete several accounts. 

Both of these credit agencies have violated section 15 USC 1681b, and the right to fair credit reporting by respectfully verify with accuracy and investigate with the creditor.

I respectfully requested to be provided proof of the alleged item, specifically the contract, note or other instrument bearing my signature I have requested even for permissible purpose or proof that I applied or initiated these inquiries and as well remove the following inquiries that didn't have my permission, plus I gave them the list of following inquiries They continue to report the many negative things on my credit with no validation, without my acknowledgement and consent
Product: Debt collection

I was contacted in XXXX by Amsher Debt Collection in XXXX Alabama regarding a past due bill of {$130.00} owed to XXXX XXXX XXXX. I had recently ( XX/XX/XXXX ) paid the bill IN FULL to XXXX XXXX XXXX and had the receipt in the exact amount to prove it. 

The Amsher representative told me I had to email the proof to her or it would be reported on my credit report. I did. Then, in XXXX, I received notification from my credit monitoring company that Amsher reported me as unpaid in collections. I contacted Amsher again, they said the debt was valid. 

I contacted XXXX XXXX XXXX. They confirmed the debt was paid. This has been going on for 4 months. As recently as TODAY I sent another demand to Amsher asking them to remove it the false collection account from my credit report. No response. 

XXXX XXXX XXXX has confirmed for me on several occasions since then that the debt is paid, I owe nothing, and that they have notified Amsher, yet no one from Amsher has contacted me at all, and the debt remains as a collection on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have paid the items that we had discussed and the company was to remove the report. I tried to dispute it and now they just added it to another account. Capital one
Product: Credit card or prepaid card

On XX/XX/XXXX I referred a friend from my American Express gold card, there was a promotion for 3x additional points on all spend for 3 months when you refer a friend and they are approved by XX/XX/XXXX. I referred a friend and they were approved on XX/XX/XXXX. 

I have either messaged or called every day to confirm the promotion was active and nobody knows what Im talking about. It is prominently displayed on their website. 

They told me they would investigate but it would take 6-8 weeks. The promotional period would almost be over by then, so that is not acceptable.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Equifax about some unauthorized inquiries on my credit report. The following inquiries are fraudulent : XXXX - XX/XX/2020 Equifax XXXX - XX/XX/2020 Equifax XXXX XXXX  - XX/XX/2020 Equifax I was told to file a FTC report which I did and was given a fax number to fax the report which I did on XX/XX/XXXX and was verified receipt from the fax printout. I called on XX/XX/XXXX to confirm receipt which they stated they had not received. I then sent a copy certified mail on that letter was confirmed receipt on XX/XX/XXXX. Ince again I contacted Equifax to verify receipt which the again stated they didnt receive the document! I have proof they have on two occasions. 
Lastly yesterday they responded with a letter stating the needed additional documents because they couldn't locate a credit file with the identifying information I provided which again is false!
Product: Vehicle loan or lease

A debt collector Westlake Portfolio bought auto loans from a failing business XXXX XXXX and began collecting payments from myself and others. I believe this was in either XXXX - XX/XX/2022. I wasn't notified of these changes being made. I wasn't behind on payments. But knowing that I owed for the car I began paying {$230.00} twice a month. My APR on my contract is 22.17 %. Nowhere in my contract that I can find does it say they can raise it. I've been paying on this car since XX/XX/2022 {$19000.00}. XXXX. So in well over a year I still owe a little more than XXXX. That isn't right. I have asked about the APR and all I get is in response is yes that's right. Now I am behind on my payments and they are giving me a chance to catch up but every payment I send goes towards interest. I have screenshots of my account that clearly shows this.
Product: Credit card or prepaid card

In XXXX of 2019, Department Stores National Bank ( DSNB ) aka Macy 's Credit Card, closed my account without warning. I paid my account on time and was never late with DSNB. When they closed my account my Credit Utilization went up and my Credit history age went down, adversely impacting my credit and credit score. I contacted Macy 's AKA DNSB in late XXXX to ask them to re-open my account, since it was just closed 10 days earlier. They said that I had to re-apply for a card, which would also adversely affect my credit score, due to a new credit inquiry. After several calls with no resolution directly with DSNB, I filed a complaint with the XXXX XXXX XXXX. A lady named XXXX XXXX, from Macy 's executive office did care to resolve the issue. I advised her I needed a call back from a Senior Manager of DSNB to escalate my issue. She did not forward my request to a Senior Manager, and / or a Senior Manager from DSNB, failed to contact me about my escalated issue. I would like you to help me resolve my issue. I want it to be known publicly how DSNB aka Macy 's credit treats and punishes its loyal customers. 

Sincerely, XXXX XXXX
Product: Debt collection

On XX/XX/18 I was informed that someone went to my home to serve me court papers. I searched the XXXX XXXX courts online and found a case filed by XXXX XXXX XXXX and the amount I allegedly owe is between $ XXXX {$5000.00}. 
I have never heard of this company and I have never been contacted by them via phone or mail. I am completely unaware of a debt to them and I am concerned that there isnt even an amount specified. Is this legal? I have had no opportunity to request validation of the debt nor to dispute it and no papers were served to me as I am travelling for the holiday.
Product: Credit reporting or other personal consumer reports

XXXX of XXXX XX/XX/XXXX XXXX BANK XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Fin XX/XX/XXXX Southern Automotive FI XX/XX/XXXX Capital XXXX Auto Fin XX/XX/XXXX Global Lending Service XX/XX/XXXX Ally Financial XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX Credit/Bomnin XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX Credit ACCE XX/XX/XXXX XXXX XXXX Auto XX/XX/XXXX Truist Dealer Service XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX Na. Best B XX/XX/XXXX
Product: Mortgage

According to my research, I have been experiencing a lot of issues concerning the alleged third party debt collector ( Mr Cooper aka NationStar Mortgage, Who I do not currently have a valid contract along with XXXX XXXX XXXX, XXXX. I'm currently in active XXXX  during XX/XX/XXXX to current status until XX/XX/XXXX, I recently receive a foreclosure notice from Foreclosure law firm XXXX XXXX XXXX , XXXX, for XX/XX/XXXX, which I'm currently still in bankruptcy. I would like for the foreclosure law firm to be fully investigated according to Ultra Virus 9-203 and Theft by Deception under 7-105, and violated FDPCA, according Fair Debt Practice Credit Act. violated my equity rights to the property. I recently filed a complaint in XXXX  XXXX XXXX Court to vacate the stay due to bankruptcy status. Based on alleged Mr Cooper aka Nationstar Mortgage. I have also send numbers of debt validation and QWR ( Qualified Written Response and UCC-9-210 PROOF CLAIM ).
Product: Checking or savings account

Dear Consumer Financial Protection Bureau, I hope this message finds you well. I am writing to seek your assistance in resolving a serious issue involving fraudulent activity on my bank account. 

I was the victim of a scam related to a remote data entry job offer. I was contacted by an individual claiming to be " XXXX, '' who requested my banking information to facilitate weekly XXXX compensation. On XX/XX/XXXX, I received XXXX payments of {$1500.00} each from " XXXX. XXXX Subsequently, XXXX contacted me, claiming that these payments were made in error and asked me to return the money via XXXX. Under pressure and a sense of urgency, I sent XXXX payments of {$1000.00} each on the same day. After further investigation, I discovered that these payments were from the XXXX XXXX XXXX XXXX  program. 

Realizing the fraudulent nature of the transactions, I immediately contacted the Chase fraud line to report the incident and requested the reversal of the payments while they were still pending. Despite my prompt action, the situation escalated further. 

I later discovered an unauthorized withdrawal of {$8000.00} from my Chase bank account. As a result, my checking account was locked, and I was informed that I had been involved in a scam. 

Despite numerous calls and emails to Chase, I have been unable to recover the funds that I worked hard to earn. As an individual, I find it challenging to confront a large institution like Chase on my own. Therefore, I am seeking your assistance in recovering the remaining balance in my checking account. 

Below are the details of my account and the references for the relevant case and communications : - **Account Information : ** - Account Number : XXXX - Routing Number : XXXX - **Chase ACH Research Team : ** - Reference Number : XXXX - Phone Number : ( XXXX ) XXXX - **Chase Fraud Department XXXX XXXX XXXX Case Number : XXXX - Phone Number : ( XXXX ) XXXX - **Call Logs : ** - Call with XXXX on XX/XX/XXXX ( Fraud Department Agent ) - Call with XXXX on XX/XX/XXXX ( Fraud Department Agent ) - Call with XXXX from Loss Prevention XXXX XX/XX/XXXX I greatly appreciate your support and consideration in this matter. I am hopeful that with your intervention, I can recover the funds that were wrongfully taken from my account. 

Thank you for your time and assistance. 

Best regards, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022 I placed an order with my XXXX XXXX account and XXXX XXXX fraudulently opened another account the day after my order was placed and when I tried to pay my original account it showed a XXXX  balance and I tried several times to contact them about it without results until I got a thirty days late notice for an account I didn't open I called again.They told me it must have been a system glitch and they would fix it and close the second account they did nothing and then blamed it on me and Experian was notified of this and that I wanted the account closed as I didn't authorize it. They assured me they would fix it and they didn't do what they said either even though I showed proof of my first account and the date I ordered and the date the new account was opened which was the day after my order was placed. They alsoade a hard inquiry to my credit bureau which negatively affected my credit score
Product: Credit card or prepaid card

I applied for the delta skymiles platinum card in early XXXX of 2021 and was offered at XXXX points welcome bonus with spending XXXX dollars the first 6 months due to covid. Well I made the deadline and spent the required money but I never received the bonus. I called around XXXX of the same year and was told that I was not going to receive the bonus due to a history of misusing incentive bonuses on my american express account. I asked what this was from and they couldnt tell me, nor was I ever told I wasnt going to receive the bonus until I called. They didn't even reach out to me. Later they said I was never going to receive a bonus from one of their credit cards again but once again this was never emailed to me or explained to me I had to call them just to get this information. Im wondering why I was never told what I did to not receive these bonuses, as well as when were they going to tell me if I never called, as well as why was this not resolved or even debtable other than no its not happening sorry. If this was the case I would have never even opened the card to begin with but now Im stuck with a card and no welcome bonus yet again. This was never going to be told to me.