23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

Complaint Against Chase Cardmember Services Chase Credit Card A transaction occurred with the XXXX XXXX on XX/XX/2020 in the amount of {$370.00}. 
The items were returned and the XXXX XXXX issued a credit on XX/XX/2020 of {$370.00}. Receipts are available for these transactions. There is no dispute between the XXXX XXXX and me. 
This dispute is with Chase and its cardmember services employees who created a dispute, when there was none between the parties and then maliciously reported it as unresolved to credit agencies in order to hurt my credit. I request a severe sanction be made against the employees who are responsible. 
On my Chase billing statement for XX/XX/2020 Chase had not applied the credit and billed me as though I had purchased the items. I notified Chase the items were returned and they instructed me to deduct the charge from the balance. ( Correct balance was paid for XXXX bill. Apparently it is Chase 's procedure to file a complaint about the transaction so I gave them the required information. The following month 's billing statement for XX/XX/2020 correctly showed the credit Chase applied from the previous month and the payment for XX/XX/2020 billing statement was paid. Everything was correct if they didn't do anything more. 
Cardmember services contacted the XXXX XXXX and they produced both receipts showing the two transactions. Despite everything being confirmed by both parties and there being no dispute, Chase cardmember services re-billed the purchase for {$370.00} on my next statement. I called them multiple times to try and correct this and each having to wait nearly an hour to talk to someone they continued to ignore the facts. I told them I will not acknowledge this rebelling charge as valid and will not pay it. In effect they damaged my credit by contacting XXXX, XXXX, XXXX, and XXXX with a false and malicious reporting of their being a dispute. Additionally they are creating a third transaction that never occurred and they have no documentation to support doing this. At a minimum they should be fined and sanctioned for their actions.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account was reported as identity fraud and it was sold from XXXX XXXX when acct charged off to LVNV Funding back in XXXX then I sent them my paperwork. I have tried to contact them and no action. I tried to go through the XXXX and XXXX to dispute but everytime this company states that the information is accurate. This company keeps reporting negative on my credit as a collection. The latest update was on XX/XX/XXXX. This company is till showing a balance on the collection acct for {$690.00} and also another account for {$990.00}. I have disputed this accounts at least 4 times to no avail. This account is illegally reporting this negative information on an account that is over the statue of limitations for collecting in Georgia. I have disputed this account from XXXX.
Product: Debt collection

My cards were used without my knowledge, I sent in disputes and never heard back from the banks, now my cards are in XXXX  and I have inquiries on my credit report
Product: Checking or savings account

We've been charged unnecessary overdraft fees on the following years : XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Unauthorized Inquiries Due to Identity Theft Dear XXXX, XXXX, and Equifax, I am writing to formally dispute all unauthorized inquiries listed on my credit report as a result of identity theft. I did not authorize these inquiries or any applications for credit that led to them. 

The details of my dispute are as follows : These inquiries are fraudulent and have negatively impacted my credit score. 

I kindly request that you remove all unauthorized inquiries from my credit report immediately. 

I also request that you block any future fraudulent activities from being associated with my credit file by placing a fraud alert or security freeze, as necessary. 

Please confirm in writing when the unauthorized inquiries have been removed. I can be reached at [ XXXX ] or [ XXXX ] if you require any additional information to process my dispute. 

Thank you for your prompt attention to this matter.
Product: Student loan

On XX/XX/XXXX, I was made aware that a loan I had taken out for {$10000.00} through federal student aid was being serviced by Mohela. The loan had started accruing interest and was totaling {$10000.00}. I had called and spoke to a representative at Mohela who gave me the address to send a cashier 's check for the full amount. The payment for the full amount posted to the Mohela Account on XX/XX/XXXX. On XX/XX/XXXX I received a letter stating Mohela had transitioned to a new platform and that my existing loan would not be impacted. I then received correspondence later stating that my loan was increasing to {$10000.00} as if they had never received my payment. On XX/XX/XXXX XXXX I called XXXX and spoke with XXXX who stated my loan was paid off and that I should receive correspondence of the loan being paid within 30 days ( by XX/XX/XXXX ). I never received and correspondence. Since then, I have gone back and forth with Mohela for almost a year. Each time I am told it has been taken care of only to find out the next month more interest has accrued. I have been assigned several case files and ID numbers by Mohela but still the problem persists. Currently the balance that is accruing interest is {$63.00}. I have attached a timeline of all dates, times, whom I spoke to, what the outcome was, and all ID and case file numbers to this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  XXXX XXXX, is claiming they are the new servicer and that XXXX  XXXX XXXX is the new owner, with at XXXX XXXX XXXX  as trustee, but now has allegedly changed to XXXX XXXX. originally this mortgage was in a XXXX XXXX REMIC and do not believe it can be removed from a tax exempt REMIC trust. I NEVER received any notice from the " new owners '' only the servicer, saying that it was not being recorded publicly. the " assignement '' were from XXXX who has no authority to assign, as the Courts have decided. the " debt '' does NOT exist, and therefore there can be no " Mortgage '' but they claim they can still take the home, because there is a valid " lien '' but will not provide proof of anything, including their alleged " debt '' they are harming, injuring and forcing me to pay for a " legal entity '' which was created by the State and is NOT me, they are placing me into involuntary servitude and " debt '' against God 's will. 
all this fraudulent, concealed " banking '' as they do not own money, or anything as fictions can not and do not have dominion. if there was an actual " loan '' where did they get the money? was it real money in accordance with the Constitution ( money is gold and silver ) and in accordance with the Federal Coinage Act, XX/XX/1972? I bet not, it is nothing more than a satanic, pagen, communistic scheme to steal the American people 's wealth, property and labor, for a few foreign " bankers '' aka Satan 's minions.

as We the People, the true creditors and true people of god and his dominion, we are tired of all this fraud, we are tired of the foreign agents ( XXXX/XXXX  XXXX  XXXX  ) and their Oath to the XXXX XXXX of XXXX or the master banker. XXXX we know there is no money, we know we are being abused and XXXX, plundered and pillaged, but where is the legislation that allows this madness? 
private-woman- Noncitizen-American- National. original " WE the PEOPLE '' granters of " governments ''
Product: Credit card or prepaid card

I have this police report where I stated that I lost my bag with my cards & IDs inside. I am a victim of identity theft. The fraud activity was made on XX/XX/2001 with an amount of {$3400.00}.
Product: Credit card or prepaid card

On XXXX I contacted citibank because I was unable to access my user account online to pay my balance on my card. I was informed that I was unable to access my account because it was deleted due too suspicious activity/fraud. They said to just create a new account and use that account. Creating that account worked so I asked them why I was not notified and when the even happened they said they didn't know and to contact another number. Every number I called they changed the story or said they didn't know. The last number I called they basically said you can access your account now so we are done discussing this while constantly interrupting me every time I tried to explain that accessing the account wasn't the issue the issue is not being informed of potential fraud.
Product: Checking or savings account

In XX/XX/2023 a checking account was opened in my name. I was told it was charged off XX/XX/2023. I was contacted by a debt collector that I owe {$1000.00}. It was a XXXX Bank XXXX account number XXXX. I did not open this account. This is fraud using my social security XXXX.
Product: Mortgage

PNC bank has a practice of requiring all home owners to provide proof of insurance, that is n't unusual. The problem is that as a company they do n't accept e-mail ; at all. So once you have the proof of the condouminium hazard insurance, you are presented with roadblock after roadblock of why they ca n't take your information. Their website which supposedly you can upload the documents to ; does not work for ipads or cell phones. Who I ask has a desk top computer in XXXX? When you call the XXXX # to complain and ask if one of their representatives can call your condominiums insurance carrier on your behalf, they refer you back to the website which does n't work for uploads, and or a fax machine which no one has, and they repeat that e-mail is not an option. Beyond technical customer service issues, the crux of my issue is that they threaten to automatically charge me for {$200.00} worth of condominium hazard insurance repeatedly even though I 've given them the name and number of my condominium insurance. I have all of the information on e-mail, but again their company in XXXX, states they can't/wo n't accept e-mail. This is a scam against the poor. This is egregiously damaging both in the economic and time sense. Never before have I ever heard of a mortgage company not accepting e-mail documents.
Product: Credit card or prepaid card

XXXX XXXX XXXX charges of {$380.00} were claimed as fraudulent charges. 
Received letter from Bank of America that fraudulent claim on account ending XXXX had been resolved and would be removed from my account. Previous account of XXXX Mastercard ending in XXXX was also involved but had been cancelled and closed. I also requested account ending in XXXX be closed and card cancelled. Subsequently I received a new card with account ending in XXXX. I never activated nor used this card but my statement arrived under the XXXX account with the fraudulent charges still on it. I attempted to rectify this by phone but was instructed by Bank  America employee to phone the vendor and tell them to stop billing me. This was absurd because I have no idea who the vendor was nor had any contact with them. Recently received my XX/XX/20 statement with the fraudulent amount on it plus late fees and interest fees on the fraudulent charges. Please assist in having these charges and the inaccurate reporting of the same on all three credit reports rescinded.
Product: Debt collection

I am contacting you regarding a debt collection which has recently been reported on my credit record. I am requesting that both The XXXX XXXX XXXX ( a collection agency ), and Comerica Bank remove this item from collection and from my credit report and all banking records immediately and permanently. 
I am not responsible for this item, and it stems from a check which was issued in my name by XXXX XXXX in 2017, deposited in my Comerica Bank account, and was returned by XXXX, causing a negative account balance and major financial complications for me, including overdrawn accounts, bounced checks and payments, etc. I paid all associated fees, but after repeated requests, conversations, and consultations with Comericas fraud department, Comerica Bank failed to pursue XXXX and collect the funds. Comerica Bank instead opted to pursue me for an amount which I never received, do not owe, and am not liable to pay. 
I closed my accounts shortly after the incident, which has been three years, but Comerica Bank created a collection amount on my banking records as well, prohibiting me from opening new accounts at any other financial institution. Both this action, as well as Comerica Banks subsequent sale of the unwarranted debt to a third party is fraudulent, and allowing it to go to collection constitutes harassment and extortion. 
I ask that the Consumer Financial Protection Bureau assist me in removing this unsubstantiated debt and collection activity by The XXXX XXXX XXXX or any other agency.
Product: Credit reporting or other personal consumer reports

Received confirmation from XXXX ( PROVIDER OF PUBLIC RECORDS INFORMATION ) that the XXXX  XXXX on my credit report hasn't been verified by XXXX and XXXX. XXXX has filed disputes with XXXX, TRANSUNION AND XXXX that public record XXXX needs to be remove due bankruptcy isn't in the XXXX system and not valid.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date : XX/XX/2024 To : NCB Management Services , Inc. XXXX XXXX XXXX XXXX XXXX Re : Debt Validation Request NCB File # XXXX Dear Sir/Madam, I am writing in response to your letter regarding the account referenced above. Under the Fair Debt Collection Practices Act ( FDCPA ) and in accordance with XXXX reporting standards, I am requesting validation of the debt you claim I owe. Please provide the following information : Proof of the debt : The name and address of the original creditor, along with a detailed account statement reflecting how the amount of {$2200.00} was calculated. 
Proof of your authority : Documentation proving that NCB Management Services , Inc. has been assigned or purchased the right to collect this debt.

Validation of my responsibility : Any signed agreements or documentation proving that I am liable for the alleged debt.

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to an accurate credit report, and it is your legal obligation to ensure all reported information is truthful, verifiable, and accurate.

I formally request the following actions : Immediate removal of the erroneous account from my credit report. 
Written confirmation that this account has been removed and that your reporting now complies with all XXXX standards. 
Until you provide the requested validation, I will not make any payments or accept responsibility for this debt. Please also note that any attempt to report inaccurate or unvalidated information to credit reporting agencies may constitute a violation of the FCRA and XXXX-compliant reporting standards. 
Furthermore, I request that you cease all communication with me about this matter except for providing the requested documentation or notifying me of specific actions being taken, as required by law. 
Please send all correspondence to the address listed above. I will await your response before considering any resolution or payment options. 
Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Enclosures : Copy of government-issued ID
Product: Credit reporting or other personal consumer reports

I am victim of XXXX XXXX breach and also XXXX XXXX XXXX and I requested my consumer report and noticed that the accounts list are bot mine and I have no knowledge of these accounts : Account name : XXXX XXXX BANK XXXX Account Number : XXXX Account name : XXXX Bank Account Number : XXXX and a list of inquiries that are unauthorized : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX
Product: Debt collection

My step father co signed on a vehicle with me, but shortly after, his health declined. He ended up in a XXXX home, where he remained until his death on XX/XX/2022.
Product: Debt collection

I am a physician with > {$350000.00} in student loan debt through XXXX  XXXX. They have been challenging to deal with for the last decade, to say the least. 

I found out when logging into my account on XX/XX/XXXX that my loans were put into forbearance without my knowledge. As a result, payments were suspended, interest rates were increased ( to nearly 8 % ). 

I spoke with 3 different individuals with XXXX. The first 2 told me I must have missed a payment ( never have in 10 years, I overpay on them ). When they verified that, they told me they had no idea why I was in forbearance due to delinquency. A higher level individual notified me that in XXXX, when I applied for the Pay as You Earn ( PAYE ) program, I was denied this program, which would have resulted in lower monthly payments ( at a time that I really needed that ), and that denial was an error. They " corrected '' this on my behalf right now. As a result, when switching repayment programs my loans were put into forbearance, with the resultant negative consequences ( higher interest rates, the {$48000.00} of interest now may capitalize on my principal, no one could answer why it was listed as a delinquency forbearance which may impact my credit ). 

All of this was done without my knowledge or consent. Based on a previously denied PAYE application in XXXX. I only found out about the forbearance when Iogged in to my account. 

They are currently " submitting my file for review, '' I can do nothing but hope some of this is corrected. I asked for something in writing regarding all of this, which as of now I have not received. They do not seem to take seriously how egregious this is.
Product: Debt collection

I recently noticed that XXXX aka XXXX XXXX solutions has reported 2 erroneous collections on my credit report under act # XXXX aka XXXX and XXXX. My numerous attempts to resolve it with the collection company backfired and now I am being harassed not only at home but at work, and with relatives ... they have sent me " validation of debt '' claiming it was from CNU a California regulated loan company and enclosed a contract NOT signed by me reflecting interest charge of 357.84 %.. I first do NOT recognize this contract, did NOT sign this contract, and do NOT believe in the state of CA no company can charge more than 10 % interest rate... 
XXXX is refusing to remove these accounts from my report. Threatening to garnish my wages and to arrest me. How is this ok to do!
Product: Debt collection

Agency calls all throughout the day and night. And will call back to back as well.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report 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 that is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Checking or savings account

I had a charge come out the XXXX of XXXX which is a Friday and it was for {$10.00}. I deposited {$10.00} the next day which was Saturday it brought it to a positive balance and there was no overdraft fee on the account for 2 days. And then Monday roles around and here is the overdraft fee after the account has been brought to a positive balance 2 days ago. This bank has apparently changed their overdrafts policies and never notified the customers and are now scamming people outta overdrafts fees. They charge overdrafts 2-3 days later after you bring it to a positive balance then date the overdraft for 3 days before. And they offer no type of refund of the overdraft fee these are deceptive practices that need to be addressed immediately. No wonder theyre closing so many branches now. This needs to be investigated I do recall other banks doing this and they were involved in lawsuits and paid out hundred of millions of dollars for deceptive practices with overdrafts.
Product: Credit card or prepaid card

Capital One offered a promotional with 5 % cash back so I applied for the card. I received the card and read the small print to discover that the only way to receive the 5 % cash back was complicated and only applied to using it at XXXX. I didn't like this kind of promotion so called and cancelled the card. It was never used ( or even activated ) so I really don't want this on my credit report. I am very concerned about this kind of advertising which is very unfair to the consumer.
Product: Payday loan, title loan, or personal loan

I applied for a credit card consolidation loan and fell for a gift card loan scam. 
The lender said that my credit wasn't that good, so they wanted to make a payment to my XXXX XXXX Visa for {$480.00}, and Capital One for {$190.00} and {$190.00} totaling {$870.00}. He told me that he wanted me to immediately repay the money as a measure of good faith that I wouldn't refuse to make my monthly loan repayment once the loan was disbursed. He also told me that he would provide instructions on how to repay trial deposits once I had received them. 

I did as the lender asked and repaid the {$480.00} from my XXXX XXXX Visa and the {$190.00} and {$190.00} from my Capital One MasterCard. The deposits were returned on XX/XX/2021 - over 30 days later. 

The deposits were made from a XXXX XXXX XXXX account. 

Once I had repaid the trial deposits of {$480.00}, {$190.00} and {$190.00} I stopped communicating with him. 
I thought that the FBI could perform a search on this XXXX XXXX XXXX account and see if this account had made any other deposits in any other XXXX XXXX account. Then, contact law enforcement and get records from XXXX XXXX XXXX along with a SSN # and track this person down. 

I thought that the FBI could perform a search on this XXXX XXXX XXXX account # XXXX and see if this account had made any other deposits in any other bank account. Then, contact law enforcement and get records from XXXX XXXX XXXX along with a SSN # and track this person down.
Product: Credit reporting, credit repair services, or other personal consumer reports

Been trying to open a bank account and been told I Have an open dispute on my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

Rushmore Loan Management Services Has violated my right to privacy according to The Fair Credit Reporting Act under 15 USC-1681B Section 602A.Rushmore Loan Management has also violated my right under 15 USC-1681A Section 604A Section2 which also States a consumer reporting Agency can not furnish an account without my written instructions. This account is at a {$0.00} balance no further obligation on this account Rushmore Loan Management have not given a 1099-C form for filing as I am Required to file on tax forms in which would be counted as income. I have no other obligations to this account and is at a {$0.00} balance. This has been an embarrassment as well as a hinderance for my family and I moving forward in being Qualified for possible Mortgage lenders.