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

On XX/XX/XXXX at XXXX I received a text regarding fraud on my Chase Bank account. I did not authorize it & received a message stating my account was restricted and a call would be granted. Received a call from XXXX & it was a guy stated he worked for chase fraud dept and asked all the verifying information. He stated that some one was trying to wire {$8000.00} to them in XXXX & I confirm it was not be. He then stated that someone attempted a XXXX transaction & asked me to open that part of my account & told me that I need to send {$500.00} to chase bank with a code in the memo. I said no I can't & he stated you will get the money back & that it will just cancel out. After I felt it was odd I hung up & {$500.00} was missing. At XXXX I called the chase fraud line on the back of my card verifying that this information was true or not & they said no that never happened & looked into my account & said person also had a {$250.00} weekly withdraw to their account named " chase bank '' I did not know what this withdraw either & found out when the fraud line told me. She deactivated my account & we changed all the security things & sent me to claims. I filled a claim that day & received a letter on XX/XX/XXXX at XXXX that they would not grant me the money back because it shows I sent the money when I did not & the person who acted like Chase. I never authorized anything on my account. This person called acting like chase did all the verification that Chase does. When I called to fight the claim they told me that they can't because everything shows that it was my account that was logged in and I tried to tell them everything that happened. They said Chase would never call, they only email or text. I have been with Chase for 10 years & never knew that. I have received calls before from them. So now I lost {$500.00} to a scammer because he played all his cards right.
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 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 FCRAsection 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 blocking the erroneous information which 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 XXXXXXXX XXXX, FLXXXX XXXX XXXX XXXX XXXX XXXX, FLXXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXXBalance Owed : {$1200.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed XXXX {$0.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX  XXXX Balance Owed XXXX {$2700.00} ; XXXXXXXX XXXX XXXX XXXX
Product: Debt collection

Discover Financial services calls my work no. repeatedly during the day. This has been going on for over 3 months. The calls are from XXXX Here are some of the dates/times they call : XXXX XXXX, XXXX - Mon XX/XX/21 - XXXX, XXXX, XXXX - Tues XX/XX/21 - XXXX, XXXX, XXXX - Wed. 
XX/XX/21 - XXXX, XXXX, XXXX, - Thurs. 
XX/XX/21 - XXXX, XXXX, XXXX - Sat. 
XX/XX/21 - XXXX, XXXX, XXXX - Sun XX/XX/21 - XXXX, XXXX - Mon. 
XX/XX/21 - XXXX, XXXX, XXXX - Tue.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX believes in the credit reporting system as the most important element to the success of the commercial banking system. I am also a proponent of the Consumer Financial Protection Bureau ( CFPB ) as a tool to streamline issues on credit reports that may be dragging down my overall scores. Accordingly, I address each particular issue directly with the creditor in question, before submitting any complaint to the credit bureaus if necessary. Therefore, I desire the following reinvestigation as follows : 1 ) On accounts where late payments are posted, I respectfully request a review of the past payment history and to ascertain if certain payments could actually have been posted late because of an overlap on the 30-days grace period. I realize that this may happen on occasion, and I request only a summary review internally, and do not require any documentation.

2 ) On any account that falls within the 84-month negative reporting timeline, I respectfully request either the deletion of the account if said account was closed, or the elimination of the prior payment if the account it is still active, this is well within the Fair Credit Reporting Act ( FCRA ) guidelines pertaining to obsolete information.

3 ) Any collections must be proved if either a direct collection and/or debt purchase. In either event I request that a true original copy of right to pursue collection be established with each respective credit reporting agency, and if a debt purchase the guidelines proving transfer of ownership must be submitted to all credit bureaus as well as me personally to validate ownership and the right to collect. I am well within my rights requesting proper documentation as administered through the Fair Debt Collection Practices Act ( FDCPA ), the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), in addition to the even stricter guidelines enforced by the office of attorney general in my state of domicile.

I respectfully request each investigation to be reported  to XXXX, XXXX  and XXXX XXXX within a reasonable time period, hopefully 30-days. I realize that the current Covid-19 crisis could cause delays, so the best efforts of each financial institution and  collection agency will be appreciated under the current circumstances. 
XXXX XXXX
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report. It indicated that credit inquiries were made by following the credit inquiries listed below. However, these inquiries were not authorized by me. Therefore, I'm sending this complaint to dispute these inquiries and have it removed from my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/2023
Product: Credit card

I purchased a XXXX with a no interest promotion through Synchrony bank XXXX/XXXX/XXXX. My regular payment is {$160.00}. I made {$200.00} payments on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, and XXXX/XXXX/XXXX. I was just told I can not pay ahead. I have to make a payment once a month before the XXXX of the month. I also can not set it up for autopay. 
They want me to physically go in and pay it because if I miss it, they go back and charge me interest on the ENTIRE AMOUNT from day XXXX! There is also no grace period days. 
Something is SERIOUSLY wrong with this company being able to get away with that. 

The entire time I 've been thinking I 'm a month ahead!
Product: Credit reporting, credit repair services, or other personal consumer reports

Account information is being falsely reported
Product: Credit reporting or other personal consumer reports

I purchased a home from in XXXX of 2023 through a lender named XXXXXXXX XXXX. However, my Mortgage was sold to Lakeview Mortgage. Apparently, through this process, my information was compromised from a data breach. The company mailed out a letter entailing the incident. Therefore, when I noticed a significant drop on my credited rating, I contacted the mortgage company ( Lakeview Loan Service ). Lakeview loan Services refused to help me resolve my issue. I was transferred to several different operators who refused to address the data breach issues. I demand to speak to a supervisor all they did was give me the run around. No one in their administration office or management contacted about this data breach.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX and XX/XX/year>, XXXX XXXX, Georgia ( ZIP code XXXX ), was declared a major disaster area by the United States federal government and FEMA. The extensive flooding from hurricanes Debby and Helene caused severe damage, including flooding in my home and other homes in our community, leaving us without power and access to essential resources, especially communication, for weeks. Once I was able to begin re-establishing stability, I reached out to FEMA for immediate housing assistance, as our home had been flooded with 5-6 feet of water and had suffered structural damage from a fallen tree. FEMA promptly assisted with temporary housing, after which I was advised to contact the SBA for rebuilding loans. However, when I applied, the SBA informed me that I could not be approved due to recent delinquent reports on my credit file. 

Upon further investigation, I discovered that XXXX XXXX had reported late payments on my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Both of these accounts were enrolled in the Credit Protection program, which should have covered payments during natural disasters, as I pay a percentage fee for this service. Once I could reach Credit Protection, they settled all balances. I then contacted XXXX XXXX, provided them with payment reference numbers, and requested the removal of the late payment reports due to the hurricane impacts and Credit Protections subsequent coverage. The representative assured me that I had been enrolled in a program to reduce my APR and that she would submit a request to remove the reported late payments. 

A few weeks later, I received a letter from XXXX stating they would not remove the late payments, as they believed the reporting was accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several hard inquiries that I never applied to. 
Here is the list of false hard inquiries : On XXXX : 1. XXXX : Inquiry from XX/XX/XXXX 2.XXXX : Inquiry from XX/XX/XXXX On XXXX : 1. XXXX XXXX XXXX XXXX XXXX : Inquiry from XX/XX/XXXX 2. XXXX XXXX XXXX : Inquiry From XX/XX/XXXX.
Product: Student loan

The servicer of my Perkins Loan changed to XXXX XXXX on XX/XX/XXXX. The loan was in deferment because I am a full-time XXXX student, and after it was transferred, I repeatedly had issues with XXXX XXXX recognizing my full time student status. I sent them my enrollment status in XX/XX/XXXX and was told the loan was in deferment. However, in XX/XX/XXXX, I discovered that the loan was not in deferment and I was going to start being charged monthly payments. Not only did XXXX XXXX not contact me about changes to my account or subsequent monthly charges, but failed to provide any documentation explaining the status of my account with or a breakdown of charges and fees. I contacted XXXX XXXX via phone and email during XX/XX/XXXX and XX/XX/XXXX. On XX/XX/XXXX, my deferment status was finally accepted and retroactively started on XX/XX/XXXX. The charges posted to my account were removed expect for interest and late fees that accumulated during my dispute about the status of my loan during XX/XX/XXXX and XX/XX/XXXX.  Via email and telephone, XXXX XXXX representatives said that charges posted to my account would be removed including principal charges, interest, and fees. As of XX/XX/XXXX, my account still shows fees and interest accrued since my loan has been in deferment. I have called and emailed XXXX XXXX over 5 times between XX/XX/XXXX and XX/XX/XXXX, and been told the problem would be fixed, but the charges have not been removed.
Product: Consumer Loan

I currently have a vehicle loan with M & T Bank for my 2012 XXXX XXXX. Due to some unforeseen circumstances, my autopay was kicked back and I missed 3 monthly payments. My car was repossessed and since the morning it was taken, I 've been trying to make a payment to get it back. First I was told that the bank had n't received confirmation of repo and they would call me when they did ; that call never came. I called to get a balance due, including repo fees and still they had no definitive balance. Again, I awaited a call back that never came. Since then, I have called more than 10 times in the last 3 days to no avail. Now the bank is claiming that they can not give me an amount until they have the title of the vehicle because they are the lien holder. I do not have the title, it was registered with the state of Florida upon purchase and the bank is in fact listed as the lien holder. My vehicle has been moved to an auction house and I have yet to get any solid information on how, when, or where I can get my vehicle. I have the money to pay but this is absolutely ridiculous. Every time I call, I get told I ca n't be given a payment amount because if I bring the account up to date, they have to return my vehicle and they do n't want to do that in fear that I may sell it and they lose their money. I 've had this vehicle for 4 years now with no intention on selling. I purchased it with my hard earned, XXXX XXXX XXXX XXXX paychecks and to be toyed with is absolutely embarrassing and disappointing. To add insult to injury, the late fees assessed by this bank exceed the past due amount and have been dragged from a previous late payment and increased each month. I also am expected to pay the storage fees for days my vehicle was at the repo facility because the bank failed to request the balance and relay it to me in a timely manner. This is outrageous and unsatisfactory.
Product: Payday loan

After several unexpected medical bills, and with no living family to turn to, I was forced to search for a quick way to pay bills in advance of my regular paycheck. I found Green Trust Cash after a frenzied google search and the agent I spoke to was friendly and understanding, if hurried and pressuring me to see the benefits of having cash now. Agreeing, I accepted the terms of the loan, not understanding the incredible interest rates or the way that I would not be able to increase my payment schedule/pay the principal down quickly -- - although the agent I spoke to assured me that repayment was easy. I received the {$300.00}, less {$25.00} in wire transfer fees, and the schedule for repayment began. As per the loan agreement, I paid {$720.00} over the course of 3.5 months, more than 200 % of the loan. However, with the clear of day, I have come to understand that they are attempting to charge me 751.07 % ( or a total of {$1400.00} ) for a loan of {$300.00}. I was unable to keep up with their punishing 'repayment ' schedule, that actually kept the principle very high, so as to keep me paying for as long as possible ( more than 1 year ). I closed the bank account they were aware of in order to get some breathing room ( after being charged late fees/overdraft fees ). Then, before I was able to contact the lender about finding a schedule that would fit within my state 's legal repayment/interest laws, Green Trust Cash began to badger and call incessantly. Some times as often as 4 times a day, on my personal and work phone numbers. Having a diagnosed XXXX, I have been thus far unable to answer their abusive emails, voice mail messages or calls. I am in over my head and in need of help. Please do not trust this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent out 2 letters each on XX/XX/2022 through certified mail to XXXX, XXXX and TransUnion to remove personal information that I do not want on my credit report. According to FCRA 15 U.S.C 1681 I have the right to privacy and according to 15 U.S.C 6802, no financial institution can share my personal information to third parties. I also did not give written permission for any company to furnish these items on my credit report.

These are blatant violations of my federally protected consumer rights. 

Here are the individual tracking numbers : 1. XXXX Delivered XXXX XXXX 2. XXXX Delivered XXXX XXXX 3. XXXX Delivered XXXX XXXX 4. XXXX Delivered XXXX XXXX 5. XXXX Delivered XXXX XXXX 6. XXXX Delivered XXXX XXXX
Product: Debt collection

I am in the process of buying a home and when my credit report was pulled I was told a debt collection agency called National Credit Systems was on my credit report. The company stated that I owe them {$2600.00}, and the account was open on XXXX XXXX, and this has been on my credit for more 5 years. I didn't recognize the collection was on my credit. I demand this to be removed from my credit report. I have also tried to dispute and receive some knowledge from the collection agency, and I have been waiting for a response.
Product: Checking or savings account

I had opened a bank account with JP Morgan Chase online on XXXX XXXX so I could deposit my Stimulus check. After the account was approved I mobile deposited my stimulus check in the amount of {$4200.00}. I was given {$100.00} to use until the check was cleared which was supposed to happen by or before XXXX XXXX. I did not have my debit card yet so I sent {$90.00} of my available balance to my roommate so that she can give me the cash that I desperately needed. I received an email from Chase bank on XXXX XXXX saying I could not use my account and that they sent me a online message which I could not open due to the fact that Chase bank disabled my account so I could not even log in to see what the notice was about or why the closed my account. I then contacted the bank multiple times and was not notified to do anything to clear my account and get my funds. I called two weeks later and the customer service rep I spoke to said that my account was closed because I did not turn in my identification card. I was never told to turn in any form of identification and never received notice to do so. I also forgot that I had put a block on my credit report when I opened the account and I forgot to lift that when I applied. I dont know if thats why they closed my account or not but I did explain that to the customer service rep when I called and was still told nothing. Its been a year and I desperately need my money. I have all email communication between Chase bank and I, my identification, IRS transcripts, credit report, and the original check that I deposited.
Product: Debt collection

I contacted company to have removed because the bill is not correct. I asked for documentation validating charges but they weren't able to provide any. I asked that this account be removed off your credit report because the fair credit reporting act states they must supply me with an agreement between myself and creditor and they have failed to do so and i do not owe the bill.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, Account - XXXX XXXX XXXX, has violated my rights 15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A. Section 2 It also states a consumer reporting agency can not furnish an account without my instructions.
Product: Debt collection

I disputed the account in the amount of {$510.00} that I do not owe and I received a copy of a bill. Not a contract with my signature, social security or identification attached. Now in their letter they said this is accurate proof which is a lie. In my validation letter I asked the following : 1. Assignment clause 2. Notarized letter of debt purchase 3.Signed contract from original creditor 4.Copy of license to collect in the state of NJ None of this was submitted so they failed to prove 100 % accurate as per fair credit act.
Product: Debt collection

We are writing this letter to your organization in regards to false information and charges by XXXX XXXX XXXX and National Credit Systems. In particular, we are incensed that this creditor is trying to export more money than is called for from the XXXX XXXX Magistrate court.. 

The collection agency and XXXX XXXX Apartments have both conspired to send false and incorrect information to the major credit bureaus. Substantiating information is described as follows : 1. On XXXX/XXXX/2016, the XXXX XXXX XXXX Court entered a Judgement on the Pleadings in the amount of {$1700.00} against the defendant ( s ). The judgement amount included court filing fees, bills due for water, a trash pick-up fee and included past due rent amount accruing from XXXX/XXXX/16 to XXXX/XXXX/16. 
2. In full compliance with the court 's order to vacate the premises, the defendants vacated the apartment on XXXX/XXXX/16 as stated in the court order. 
3. On the morning of XXXX/XXXX/16, XXXX of the defendants walked through the apartment with the apartment complex manager, XXXX XXXX XXXX. At the completion of the walk thru, the apartment complex manager provided us with a Move Out Procedures/Checklist which clearly indicated that there were no damages to the apartment at all. The apartment was left completely clean and in the same clean state as on the day that they moved in, XXXX/XXXX/16. 
4. Sometime after XXXX/XXXX/16, the defendants received a move out statement from XXXX XXXX XXXX. Charges on this statement {$4500.00} which is {$2700.00} more that the court ordered amount of {$1700.00}. 
5. The XXXX XXXX XXXX move out statement shows charges that are false and misleading. As described previously, our move out date was on XXXX/XXXX/16, with the apartment being inspected on XXXX/XXXX/16. The move out statement from XXXX XXXX shows charges which are not listed on the XXXX/XXXX/16 magistrate court order. 
6. The XXXX Move Out Statement shows rent for the entire month of XXXX 2016 which is in conflict with the court judgement ordering rental charges through XXXX/XXXX/16 only and not for the entire month of XXXX 2016. 
7. The XXXX/XXXX/16 XXXX XXXX XXXX Move Out Procedures/Checklist also shows that there were no damages to the apartment at the walk-thru with the apartment rental manager. This document is in conflict with the {$2000.00} for stipulated damages for the XXXX/XXXX/16 date as listed on the move out statement. 

Any and all additional charges that are not on the magistrate court order and especially for any charges on dates such as XXXX/XXXX/16, XXXX/XXXX/16, and XXXX/XXXX/16 are illegal and indicate the submission of false information for the collection of funds which are in excess of the amount stipulated in a court order. 

We mailed documentation to XXXX via certified mail on XXXX/XXXX/16 and have not received any response back from them at all.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number XXXX XXXX Account Name : XXXX  : Account Number : XXXX Account Name : XXXX  : Account Number : XXXX Account Name : XXXX XXXX  : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.