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

I have a credit card with Chase Bank, and I received a letter yesterday ( XXXX XXXX, 2017 ) presumably from Chase Bank. The letter is dated XXXX XXXX, 2017. 

Yesterday evening, I called the number listed on the letter because I wanted to know more about the matter the letter speaks of. The letter states that someone other than the primary card member tried to get information about my account, but the letter does n't provide any more specifics about who tried to access my account. So, I called to follow up for security purposes. 

When I called the number, it sounded like the Chase automated system. It asked for the last four digits of my account number ( I just provided the account numbers listed on the letter ), and then, it provided me an overview of my existing credit limit ( which sounded somewhat accurate ). I was then directed to a female customer service representative who listened to my inquiry, and then, she directed me to the " financial services fraud team. '' I spoke with a man named XXXX, and he gave me his employee identification number. He then asked me for my date of birth, my mother 's maiden name, and the last four digits of my social security. When I provided the information, he said the information was n't correct, and he asked me to repeat the information. When it did n't work again, he asked me to repeat it. I became frustrated with having to repeat myself, and he said that he just needed to verify my account security questions before we could proceed. I started to become concerned this was a scam so I hung up. 

I called the number listed on my Chase credit card to report the incident. The representative I spoke with said no letter was sent to me on or near the dates in question and that the number the letter provides is not a Chase number. The representative also told me that the account number was not my credit card account number. The representative told me my account has not ( yet ) been compromised and asked me to email a copy of the letter, which I did today ( XXXX XXXX, XXXX ). 

I submitted a fraud complaint with the FTC as well ( Reference No. XXXX ), and the FTC website indicated that I could also submit a request to the CFPB. ( I love XXXX. XXXX! ) I 'm happy to provide the CFPD with a copy of my letter and envelope to help resolve this investigation. I have dealt with the Chase Fraud Team before, and I am skeptical of their ability to promptly follow up on security fraud issues. 

I found this scam to be particularly alarming. I am used to receiving scams by phone, cellphones, or text ; I have never received a scam using letterhead of an official, nation-wide bank. It was very convincing. 

If you have any questions, please contact me.
Product: Mortgage

The problem I'm having with the mortgage company/servicer is that they refuse to speak with me regarding my husband mortgage. This has happened month after month. So, I took the initiative to reach out in XXXX XXXX. To an organization that help with modifying the mortgage and lowering the interest rate but they refuse to speak with them as well. I feel as if I'm at the end of my rope that I now have to file a complaint against the mortgage company and the service of the mortgage. 
Please keep in mind I'm on the Deed, So my concern here is why are they given me the runaround and refusing to speak with me. 
This all started in XX/XX/XXXX my husband deceased XX/XX/XXXX. 
PLEASE HELP. 

XXXX XXXX,
Product: Mortgage

My mortgage was purchased from MBFinancial by Fifth Third Bank starting XX/XX/2019. Since the merger, Fifth third Financial help submitted multiple automatic payments from my checking account resulting in over {$500.00} of overdraft fees. I tried to negotiate and fix in XX/XX/XXXX but on XX/XX/XXXX/XX/XX/XXXX it happened again. The website is always down and the issue is unfathomable? 

XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, CA XXXX XXXX XXXX
Product: Debt collection

XXXX XXXX XXXX XXXX after asking them multiple times for a proper debt validation they failed in all of them but they wanted to still pursue an invalidated debt so they decided to sue me without even giving me a proper servicing of a court summons claiming and lying to the court that they served me on XX/XX/XXXX which is a total lie because at this time I had already moved out of state I moved on XX/XX/XXXX I can prove this with XXXX mailing address change and/or paystubs.It looks like they just needed to serve someone before the 90 days would run out and they also wanted to pursue a default judgment in which they filed in court on XX/XX/XXXX asking the court for a default judgment to try and steal from me and garnish my wages without me even knowing about this case.
Product: Student loan

On XX/XX/19 I received a call from an individual whose son I was in a relationship with stating that XXXX XXXX from Navient contacted her stating that I put her down as a reference and he was trying to reach me. The individual was upset be the call as she is not a blood relative of mine and does not have contact with me regularly. She tried to track me down. Once she reached me she provided me the name of XXXX XXXX and stated that he gave her a call back number of XXXX. I tried contacting this number at the line just goes busy and sometimes it says the number is not in service. The individual stated that the number on her caller I.D . is XXXX. I contacted that number as well and the same thing occurred. I " XXXX '' the number and it said that it was reported as a Scam. I also believe this to be a scam as I suspect that a known company like Navient would not result to seedy collection practice such as calling random individuals and lying to them about the contents of my loan documents. To my knowledge my loan is in forbearance. This individual was very upset. XXXX XXXX lied to the individual and stated that I put her down as a reference when I in fact had not even dated her son until after law school and didn't even know her is then. She just had a XXXX XXXX and spent weeks in the hospital. She was stressed, alarmed and very upset by XXXX XXXX 's call. Lying and being deceptive in debt collection is is illegal and what about my rights to privacy. The fact that he identified himself as being from Navient, although I suspect that he was not and was just some kind of a scammer, violates my rights. This lady may not be my mother but she is someone's mother. If her pressure had dropped or spiked and she went into another XXXX XXXX just because she answered her own phone and was lied to by a scammer. What would the recourse be? She is learning to just to read, write and feed herself now. She can't even drive anymore and it should not be okay for a debt collect or " scammer '' as I believe to put her through this. She didn't want me to say anything but I think this is terrible.
Product: Credit reporting or other personal consumer reports

T

he credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure
Product: Credit reporting or other personal consumer reports

all three credit reports over 200 inquiries on three credit bureaus are reporting all inquiries are fraud account and /or inquiries all three credit bureaus refuse to remove them all police report is attach case number XXXX
Product: Credit card or prepaid card

1 ). This complaint is not a duplicate complaint of any previous complaints at CFPB ; and this complaint is the continuation of the previous two complaints with the complaint IDs XXXX and XXXX. 
2 ). I successfully paid the {$8400.00} to my American Express credit card in XX/XX/2018 ( the payment confirmation from XXXX XXXXXXXX is attached ) but American Express wrongly missed the payment ( the payment activities from American Express are attached ) and intentionally ignored all my disputes with that missed payment, and then hired several different collection agencies to harass me and wrongly added delinquency to my credit report. 
3 ). In its response for the complaint XXXX, American Express again provided fraudulent monthly statements to show that my {$8400.00} payment was not missed and was applied to my American Express credit card but ignored the payment activities I submitted in that complaint. Much worse, American Express falsely stated that we are unable to confirm the payment information on your online payment center, as we do not have access to your online account, but all those payment activities were from American Express, and I got them from American Express website on XX/XX/2018. Its weird that American Express provided the fraudulent monthly statements that do not comply with the payment activities and falsely denied it has access to those payment activities from its own system. 
4 ). Therefore, I hope American Express could be penalized for providing fraudulent monthly statements, wrongly missing my payment, intentionally ignoring all my disputes, repeatedly harassing me through collection agencies, and wrongly adding delinquency record to my credit profile.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account ; XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX ), REVOLVING # XXXX ( XXXX ), and Revolving # XXXX ( Equifax ), as well as 2. DEPT OF EDUCATION/XXXX XXXX Installment XXXX XXXX : 3. US BKPT CT XXXX XXXXXXXX Reference # XXXX XXXX. U.S. Bankruptcy Court Reference # XXXX XXXX. SYNCB/PPC # XXXX XXXX. XXXXXXXX XXXX XXXX XXXX XXXX / XXXX / XXXX / XXXX / 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 written instructions
Product: Credit card

I have not been receiving e-mails or statements every month I have to ask for a new statement this month I think they just changed something and didnt replace the statement. So I have no statement and I get a text from discover and it says I owe a XXXX minimum payment. So I scheduled it for the XXXX. Then because Im not getting my statements I decided to pay off my cash advances. So I scheduled a payment for the XXXX of XXXX and on the XXXX for XXXX and the XXXX was in place for the XXXX. Today the XXXX  I called to see where my XXXX payment was and they said no its XXXX. I am frustrated to no end Im not getting my statements and the agents are telling me different from the texts.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of an account that was sold from the original creditor to a new creditor from my credit report. The account in question is detailed below : Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX According to the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate or incomplete information in my credit report. Specifically, under Section 623 of the FCRA, the original creditor is responsible for the accuracy of the information reported to the credit bureaus. Once an account is sold, the original creditor is no longer responsible for updating or maintaining the information regarding the account. Consequently, the reporting of this account by the original creditor is inaccurate and should be removed. 
Furthermore, if a creditor sold my collections or charge-off information without my knowledge or consent, I have the right to dispute this under the FCRA. Refer to Section 623 for the responsibilities of information furnishers and Section 611 for the dispute procedure. These sections ensure the accuracy of my credit report and my right to challenge inaccuracies. Please investigate and verify the accuracy of this information. 
Additionally, the new creditor is required to verify the accuracy of any information they report. I have requested an investigation for them to send verified documented information reported by both original creditor and new creditor. Please conduct a thorough review and provide resolution within the XXXX period mandated by the FCRA. 
I appreciate your prompt attention to this matter and look forward to your response confirming the removal of the incorrect information. Should you require any additional information, please contact me at the phone number or email address provided above.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried numerous times to resolve an inaccuracy in th way an account is reporting with Transunion, XXXX, and XXXX all to no avail. 
The account is for an auto loan which was repossessed in XXXX and sold at auction in XXXX. The original loan amount was approximately {XXXX}, and once sold approximately {XXXX} remained. 
At this point it should be reporting as a charged off account in amount of {XXXX} approximately, but instead continued to report as late payments each month with a balance remaining of XXXX. 
I have tried, and tried to resolve both with the bureaus, even sending supporting documents ( attached ) from original finance company, but to date all disputes have been updated as " validated/verified '' and disputed closed. 
I am not disputing the validity of account being mine, but rather an error in how it is reporting. 
I am a single mom, doing my best to purchase a home in near future, but this continues to affect my credit negatively month after month. Please help.
Product: Credit card

I am a victim of credit card fraud or identity theft. I looked on my credit report and saw a bunch of different credit cards from capitol one and also saw some strange looking items from strange companies and a doctor office. I would like all of these credit cards and charges removed from my credit. please respond as soon as possible.
Product: Debt collection

XXXX XXXX XXXX  charged my XXXX card for two new phones not requested and activated two new wireless telephone lines without my permission. New telephones were returned to XXXX XXXX XXXX  by XXXX within XXXX hours of receipt using a prepaid return furnished by the sender. An additional XXXX new phones were sent without my request which were also returned using another prepaid return furnished by the sender ( I have a picture of the return label and the box containing the unwanted phones ). XXXX XXXX XXXX began charging my XXXX card for the phones and XXXX new wireless lines increasing my monthly bill bundled bill from {$310.00} to {$600.00}. I disputed the new charges to both XXXX XXXX XXXX and Visa. XXXX initiated.an investigation and found in my favor. Each month thereafter I paid my original bundled amount and disputed the additional charges through XXXX. In each dispute, XXXX found in my favor. XXXX XXXX XXXX told me they had initiated an investigation ( Claim XXXX XXXX XXXX, XXXX XXXX XXXX ). I have heard nothing from XXXX XXXX XXXX. This problem began in XXXX, 2023 and the only response from XXXX XXXX XXXX has been to pass the accumulated charges of approximately {$7000.00} to a collection agency, Credence Resource Management , LLC, XXXX XXXX XXXX, XXXX, MI XXXX.
Product: Mortgage

In XX/XX/XXXX I lost my job. In XX/XX/XXXX I went back to work full time. Over the past 6-8 months I have been trying to work with PNC to get a loan modification and avoid a foreclosure. I have had a very difficult time with PNC. I have tried to submit for a loan modification several times. I was never able to communicate to the same person which always caused confusion. PNC always seemed to lose my paper work, which I constantly had to re fax. In XX/XX/XXXX PNC told me I was in underwriting with a complete package. Then in the end of XX/XX/XXXX, right in the middle of the holidays PNC asked for more documents. Which were the same ones I already sent. PNC 'S modification department is beyond dysfunctional. Then in XX/XX/XXXX PNC stated that I needed to resubmit and start all over. I then began to resubmit the modification and go through the dysfunctional system again. So now in XX/XX/XXXX when I had a confirmed complete package PNC said there is not " enough time '' because of a sale date on XX/XX/XXXX. Completely backed doored by PNC. I am now facing a bankruptcy and a foreclosure because of the dysfunctional train wreck that is PNC modification dept.
Product: Mortgage

My mother passed from XXXX on XXXX XX/XX/XXXX, and I opened probate on my mother 's estate XX/XX/XXXX. During the 6 months for open claims against my mother 's estate, Bank of America ( BoA ) submitted a claim for the remaining balance of the mortgage for the amount of {$68000.00}, ( see attachment BOA Creditor Claim ). The amount of the claim is for a secured home loan for property owned by my parents since XXXX and currently occupied by me, my parents ' only legal heir. Page 4 of the claim states, " THIS CLAIM IS BASED ON AN ACCOUNT FOR GOODS AND/OR SERVICES IN THE AMOUNT OF {$68000.00}, EVIDENCED BY ACCOUNT NUMBER XXXX. '' According to 12 U.S.C. 1701j3 ( d ), The Garn-St. Germain Act of 1982, not only is the claim by BoA misrepresented, but this claim is also unlawful based on the exemptions I qualify as heir of this property. I personally contacted BoA regarding this claim and according to the customer service representative, they were unable to pull up any records regarding this claim against the estate yet BoA was represented in court regarding this claim on/about XXXX XX/XX/XXXX. I feel the misrepresentation of BoA 's claim is to force the sale of my home. The debt listed in the claim is not a credit card or a home equity line of credit debt, but a home mortgage loan currently in the name of my deceased mother. The fact BoA, as recently as XXXX XX/XX/XXXX, continues to misrepresent this claim of debt in open court is a clear violation of the law. I feel as a XXXX the business practices of BoA regarding this probate claim are not only unlawful but demonstrate a clear bias against my inheritance of this home as a XXXX veteran.
Product: Mortgage

I made a prior complaint about this same bank, and same account, in XXXX of 2019 ( Complaint # XXXX ) I thought that it was resolved with your help. This account has been paid off for many years. Recently I received a statement indicating that it had a balance of {$780.00}. I did not use this or authorize it, I thought the account had been closed. I called and they refused to accept a fraud report. They reversed the charge and told me they would close the account. I then received a notice that there was a balance of {$2.00}. I called again and told me they would close the account. I received a notice again today that there is balance due. They have refused to close this account, even thought it is paid in full and I have requested it be close, and they have assured me many times over the years that they would close it. Now there are multiple fraudulent attempts to take monies from this account, and they will not investigate who is withdrawing money from what should be a closed account. The bank is Synovus, please help determine if this is a case of gross incompetence of criminal fraud.
Product: Credit reporting or other personal consumer reports

As a consumer, I request to know all the steps your agency took to ensure these items were 100 % accurate under XXXX XXXX. XXXX ( XXXX ) Method of verification- Description of reinvestigation procedure. A consumer reporting agency shall provide to a consumer a description referred to in paragraph XXXX XXXX ( XXXX ) ( B ) ( XXXX ) - a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; by not later than 15 days after receiving a request from the consumer for that description. I previously contacted your company to inform you that I am a Data Breach/ Identity Theft victim. I also contacted the XXXX XXXX XXXX and filed an attached XXXX Report. I demanded that you please block and remove all information from my credit report and send me an updated copy of the credit report. However, the following items are still on my credit report. I need your serious work on this. Once again, Under 15 USC 1681c-2 c ( a ) the credit reporting agency must block and remove any alleged pieces of information the consumer considers identity theft within 4 business days of receiving a complaint consisting of the information below. In addition, Please send the following information used to validate the validity of the invalidated items below : XXXX - XXXX - My information was impacted by the XXXX XXXX breach and many different fraudulent items that I don't recognize have shown up on my credit report. XXXX! Undocumented claims can NOT be assumed valid nor compliantly reported! Show me proof of your adherence to applicable compliance standards for this particular account. This is being investigated by the XXXX. DELETE! 

XXXX XXXXXXXX XXXX XXXX - XXXX - My information was impacted by the XXXX XXXX breach and many different fraudulent items that I don't recognize have shown up on my credit report. XXXX! Undocumented claims can NOT be assumed valid nor compliantly reported! Show me proof of your adherence to applicable compliance standards for this particular account. This is being investigated by the XXXX. DELETE! 

XXXX XXXXXXXX XXXX  XXXX - XXXX - My information was impacted by the XXXX XXXX breach and many different fraudulent items that I don't recognize have shown up on my credit report. XXXX! Undocumented claims can NOT be assumed valid nor compliantly reported! Show me proof of your adherence to applicable compliance standards for this particular account. This is being investigated by the XXXX. DELETE!
Product: Credit reporting or other personal consumer reports

Experian has failed is legal obligation under the fair credit reporting act ( FCRA ) to conduct a reasonable investigation of disputed information on my credit reporting leaving inaccurate or unverified accounts unresolved. The CFPB has filed recently, a lawsuit against Experian alleging systemic issues such as failing to forward consumer provided evidence to furnishers accepting unreliable responses and failing to adequately notify consumers of dispute outcomes. These failures align with my experience where Experian has neither corrected nor removed disputed items despite evidence I have provided causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts as Experian inaction violates federal law and my rights as a consumer.
Product: Money transfer, virtual currency, or money service

I sent  XXXX  different transfers to a fraudster   XXXX   me. I sent  XXXX  on  XXXX  and  XXXX  on  XXXX . I used moneygram and they said they could not refund me.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been brought out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, MD XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX, XXXX XXXX XXXX XXXX, MD XXXX, XXXX XXXXXXXX XXXX XXXX XXXX, AR XXXX, XXXXXXXX XXXX XXXX Balance : {$32.00}, XXXXXXXX XXXX XXXX Balance : {$21.00}, XXXXXXXX XXXX XXXX Balance : {$69.00}, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX