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

I had a credit card with Commerce Bank. While I had charges on the account, I was paying the billing per the amount requested and on the due date in the approximate sum of $ 100+ per payment. I never receive any statements from this creditor and I never requested digital copies as I prefer paper copies. My card was misplaced or lost and they reissued a new card and new number. All of a sudden I have charges in the thousands, and payments in the thousands. I can not now or ever have such luxuries and would not being paying sums of money that were more than the fraudulent charges. I attempted a resolution of this account when the balance was $ 6,000+. Now the account is over $ 17,000+ and the charge limit was and is {$9000.00}. I know that I have been abused by fraudulent charges by someone, but the many thousands of dollars of payments lead me to believe that Commerce may possibly be laundering someone else 's money through my account and who knows how many others. I have no explanation other than that for what has been going on in this account, only that the charges and high payments are NOT mine. Furthermore, high amounts were charged to XXXX XXXX electronics. If I wanted something at XXXX XXXX, I would have used that charge account and not Commerce. This account makes no sense to me.
Product: Credit card or prepaid card

I filed a complaint with XXXX XXXX XXXX on XX/XX/XXXX, Complaint ID : XXXX, among other things, for national origin discrimination. Since then, Chase Bank has retaliated against me by denying me credit ( a credit card on XX/XX/XXXX ) even though I have an excellent credit history. They also retaliated against XXXX XXXX XXXX by requesting the same information from him over and over ( a photocopy of his social security number which he promptly faxed over to them ) for his credit card  application. Mind you, other than harassment and retaliation they have no reason to ask for said information. Furthermore, they have his information readily available as he is a Chase customer for over 15 years. 
Not only they denied me credit on XX/XX/XXXX but on XX/XX/XXXX they went ahead and closed one of my other chase credit card account. 
I am alleging that Chase Bank is retaliating against me based upon my national origin complaint filed against them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed an account showing on my credit report with XXXX for the past 4 months to no avail. The name of this account is XXXX XXXX XXXX. I've contacted this lender and they confirmed I have no account with them. They also reviewed the documents used to open the loan, and verified those documents did not match my SSN. 
XXXX  is not performing their due diligence by proving to me that this is my account. Furthermore, they keep reporting an account on my credit file that doesn't belong to me and is damaging my credit reputation. 
They keep sending me some frivolous information marked " Verified. '' To XXXX  : I would like to know EXACTLY how you are marking this false account VERIFIED? 
Why are you allowing these to remain on my credit report when they are clearly in violation of federal law? Im aware that section 609 requires you to furnish the paperwork that was filled out when my accounts were open and if you do not have this documentation, its considered false reporting. Due to the fact that this inaccurate and false info continues to report, youre in violation of sections 609, 1681 and 623. 

I need some type of response - better than VERIFIED ; because clearly I am not being treated fairly under law and I WILL pursue legal actions if this is not resolved immediately.
Product: Mortgage

My mortgage company ( nationstar ) is telling me that I am short over {$5000.00} in escrow. I asked where did all the money you collected from me for escrow go? Keep in mind the increase in taxes and home insurance is only {$29.00} from last year. They are raising my mortgage payment over {$440.00} a month with less than 30 days notice. How is this my dilemma? How do they allow such a shortage. I asked if they can provide me a breakdown of where my escrow payments went and they said they could not provide it. I pay extra every month and to be told I am over {$5000.00} short doesnt make any sense. Also When they first took over my loan I owed {$370000.00} I paid for several months and all of a sudden I see that what i owed increased instead of decreaased. I do not trust this company. Please help me correct this.
Product: Credit reporting or other personal consumer reports

My account with DEPT OF EDUCATIONXXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. DEPT OF EDUCATIONXXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

I already got the XXXX XXXX XXXX BILL FIXED but its still showing up on my credit score as if Im Im negative XXXX- this balance needs to get cleared already because consumers are looking at it & it looks like XXXXm negative and cant pay my bills & causing me to get denied every bank account. please fix this As for Bank of America someone stole my debit card and my loving information and accessed my online and made fraudulent purchases on my account and this too is causing me from opening up a bank account
Product: Credit reporting or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

The day that I went to look for a loan I tried everything I was in the middle of moving out of my house with my husband at the time we were separating only been married a year lost in the state of confusion just didn't really know what to do I was at my wit 's end I apply for a loan that's all I had was a car Well I got a title loan from XXXX at XXXX XXXX XXXX   over a year ago when I thought that I was at the end of paying the {$2500.00} back I had already paid I think close to XXXX back so I thought I was done so I gave them a call and they told me that only {$10.00} of the money that I had been paying went toward the principal but the {$390.00} a month that they told me to pay every month went towards the interest so that means that by the end of the loan I would have to pay them {$14000.00} for {$2500.00} loan for a car that's only worth {$800.00} in the XXXX XXXX value they are threatening to repossess the vehicle from me I don't understand how they could charge me over 300 % interest for the vehicle for the loan they won't give me any help they just want me to just keep paying them {$390.00} a month until {$14000.00} is paid off
Product: Money transfer, virtual currency, or money service

Paypal close my account for not reason and them will not help me with Getting it back up and going. Everytime when i try to take out my money From my account they just block me for avoid that i can use my money.

They just made all difficult for me. My account was already verified with all My personal information and i never made any mistake. I never had any Dispute or charge in my account. i donate money to my friend they blocked my account, and them they just close my account with all my money. I think this Company stole money from people. They never take my calls or respond my message. I record Everything about that company that just stole money from the people without Any reason. PayPal is not doing her job properly and that the reason i am File a report here. PayPal is violating the rights of people by closing Accounts to keep the money and so make your company grow with the Money that is stolen. PAYPAL SCAMER 100 %. 
HERE THERE ARE SOME PROOF WHEN I TRY TO CONTACT NEVER DO NOTHING FOR HELP ME. MY EMAIL IS XXXX.
Product: Debt collection

I am requesting an investigation of the following data that appears on my credit report. Specifically, Im disputing the records that your company is sending to the credit reporting agencies. 

When I disputed this record with the credit bureaus, they stated the information was verified. However, because credit recording agencies often use software that doesnt provide complete investigations, I am disputing the information directly with you. This is my right under section 623 of the Fair Credit Reporting Act ( FCRA ).
Product: Debt collection

Navy federal has a closed account in my name that is damaging my credit and needs to be removed, this charge off account has been disputed 3 times in XXXX and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received a letter from Equifax stating that they had a data breach in XXXX and that my information was leaked in that data breach. I received this notice in XX/XX/XXXX. Since then I have also received several other communications from different companies stating that my information has been breached. The IRS has sent me a notice stating that someone has filed taxes for me. XXXX sent me a notice saying that my information was leaked during their data breach. An old employer sent me a notice saying my information was late during their data breach. I have filed a report to the FTC and my local police department for all of these incidents. Equifax has not handled any of this properly. I never receive my full credit report. And when I do it has very different and inaccurate information on it including but not limited to my name addresses accounts and they also have four separate accounts for me with my name spelled differently one of them in the country of XXXX when I reside in the United States. All using my same Social Security number. XXXX XXXX is quite the same scenario. I am unable to resolve any kind of issues with any of these credit bureaus. This is including Equifax XXXX and XXXX XXXX. I have documentation to support my position if needed. Please advise what the next steps are that I have to take. Thank you so much for your time. 
Sincerely, XXXX XXXX XXXX
Product: Debt collection

I have a closed complaint : XXXXXXXX XXXX XXXX XXXX sold XXXX debt '' to Vance & Haufman LLC . I did not give persmission for this to occur. I am the consumer, orginal creditor and debtor. I have also access them to cease communicating with me, and they continue to do so via phone, mail, and via my credit report. I did not give permission for them to post anything to my credit report. XXXX nor Vance and Huffman LLC have a XXXX on file, which equals to identity theft. 

They are in violation of my consumer rights and the law, in addition to it being over 180 days trying to collect this " debt : '' 15 USC 1602, 15 USC 1681n, and 15 USC 15 1602 ( i ).
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719tXXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of consumer credit report and I noticed that I had a fraudulent account on my profile. I am referring to the account from Credit Collections Services with the account number XXXX. Please remove this account from my report IMMEDIATELY because I did not authorize this and I do not recognize it. I have never entered into an agreement or a contract with Credit Collections Services which makes this a fraudulent account, inaccurate reporting to my consumer credit profile and a violation of my consumer rights under the FCRA and the FDCPA. This fraudulent account reporting is hurting my ability to obtain credit. I demand that all forms of communication from Credit Collections Services to cease and for this account to be deleted from my consumer credit profiles.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I am not aware of any such inquiry or provided content to anyone to pull my report. Not sure why it has been added in my credit history. I want this to be remove and add my account to freeze so that no else can pull it again until freeze is released. 

This seems like a fraud issue where my DETAILS are compromised and resulted in pulling my credit. 

Thanks, XXXX
Product: Bank account or service

JP Morgan Chase bank, XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX. 
XXXX I have a personal account with the above named financial institution. For me to get change for my consumers, I need to have a business account with them and I have to personally go there. ( My XXXX can not go there on behalf of me ). Is that legal? If we have XXXX Dollars and want to change into XXXX dollars, why are these stipulations by these financial institutions? 
Can someone please help me understand. 
Thanks
Product: Debt collection

XXXX XXXX has charged a total of {$3400.00} to my credit. I did not have a lease with them. They do not have any information about this when I call. I rented month to month from them in XXXX and XXXX. I moved out in XX/XX/XXXX, after a 60 day written notice. The rent was {$750.00} a month. There is no way I would have accumulated {$3400.00}, that's nearly 5 months of rent. Fair Collections and Outsourcing is now the debt collector in charge of this account. They continue to update my credit report every month to make it look like I'm missing payments on an account that is to be dropped from my credit in a matter of months. Also, I've never made a payment arrangement with them, as this is NOT my debt. It is an illegal thug tactic by a slumlord to weasel me out of more money. 
They've also messed up the date the account was opened. If I left in XXXX, the start date for the account should be XX/XX/XXXX.
Product: Debt collection

I found the letter ( see attachment ) from Midland Credit Management as disingenuous, misleading, non-responsive and did not validate the debt they allege I owe. 

This is also ton inform you that they are still in violation of the The Fair Debt Collection Practices Act by continuing to ignore my requests and sending me with non-responsive letters.

Moreover I never disputed the fact that they are licensed in the State of Florida as their letter states ( see attachment ). 

As for their claim of reputable company, they need to check the court dockets across different States courts and Federal courts. It says a lot about the reputation of their company. 

I am requesting again that they provide me with documentation proving the debt they allege I owe and to cease all collection activities including their referal to their attorneys XXXX, XXXX, XXXX XXXX XXXX, XXXX ( XXXX XXXX as they refer to them ). This will be my foourth or fifth request. 

You help in this matter is greatly appreciated.
Product: Credit reporting or other personal consumer reports

Year XXXX I Filed A Dispute With Equifax XXXX XXXX Informing Them Some Accounts Has Been Settle & According To The IRS These Companies ( Collection Agency- 3rd Party Debt Collectors ) Can't Report Income. These Debts Don't Exist Anymore. I Have Already Filed My Taxes ( XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ) To Report The Debt With The Original Creditor. I Will Upload My XXXX Taxes. Go To Schedule XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX That Amount Included The Debts I Had Informed The Credit Agency. Those Debts Included XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 17th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXXXXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

I fell victim to predatory lending by MaxLend. I took out {$750.00} in XX/XX/XXXX. Then I realized on XX/XX/XXXX that I was charged {$200.00} bi-weekly, meaning I had paid {$2100.00} by XX/XX/XXXX. After paying MaxLend these payments, which totaled {$2100.00}, MaxLend only applied little to none of the paid amounts to the principal balance. For example, for each biweekly payment of {$200.00} where the principal balance was $ XXXX, the ending principal would still be $ XXXX. This means that only a few cents to a few dollars of the {$200.00} bi-weekly payments I made were applied to the loan 's principal balance. Even after I had already paid {$2100.00} total by XX/XX/XXXX, I only had a few repayment options : Pay an additional {$810.00} to stop getting charged a biweekly {$200.00}. I even asked if I could get back the previous money paid in interest since the original contract was supposed to last until XX/XX/XXXX, and I paid off the loan on XX/XX/XXXX, and the answer was no. 
Pay the {$200.00} bi-weekly charge, most of which would not be applied to the principal balance. 
Pay the {$200.00} bi-weekly charge, most of which would not be applied to the principal balance plus extra. 
To stop getting charged the bi-weekly {$200.00} until I could report the issue, I picked option one meaning a total of {$2800.00} was paid to MaxLend. None of the options allowed me to pay the principal balance. When the loan was taken out over the phone, it was not explained that I would be paying $ XXXX for a {$750.00} loan.
Product: Debt collection

I was a victim of identity theft and noticed a collection from RentRecovery. I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against RentRecovery in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion does not have adequate checks and balances in their processes to verify the accuracy of the debt collection information reported by overzealous and unscrupulous creditors. The collection agency ( XXXX XXXX XXXX , XXXX ) does not have the professional staff to handle legitimate disputes but reports the fraudulent debt balance as a collection to TransUnion. As a credit reporting agency, TransUnion should do far more than simply recording the debt collection information and listing the derogatory comment on the credit report without making any meaningful attempt at resolving the dispute with the debt collector by challenging and verifying the validity of the information provided by the debt collector.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a violation of U.S. code 1681i ( 5 ) Removal Inaccurate /invalidated credit. please remove immediately. 
I have submitted a dispute for inaccurate information of collection agency reporting status open on a collection account.Also showing I have recent activity on when the account has been closed. The first set of dispute went out XXXX XXXX, no response.
Product: Student loan

The Biden Administration has announced they are discharging loans for students " who enrolled at any XXXX XXXX campus on or after XXXX XXXX, XXXX, through XXXX XXXX, XXXX ''. I enrolled in XX/XX/XXXX and suffered the same predatory lending and manipulation from the XXXX XXXX. I left the school in early XXXX, with a hefty sum of Student Loans. My father originally co-signed these loans for me, believing it was my best option to further my education. I tried my best to make payments on these loans, but ultimately my father pulled from his XXXX to pay off the loans. We should be included in the loan discharge or refunded for what we paid to take these predatory loans off our credit reports. There is no news on whether loans that are paid in full will be refunded.
Product: Checking or savings account

I had checking and savings account with ally bank. Please refer my previous CFPB complaints about ally bank. Ally bank retaliated against me and closed my account. I asked to send me all my statements for all my accounts by electronic mail - but ally did nothing. Ally won't be keeping my online access intact. I need these statements for the last 7 years.
Product: Checking or savings account

My CDs matured on XX/XX/2023. I did not receive a renewal notice. I received an e-mail. I called a TD Bank representative and was told my CDs would roll-over into CDs at an APR of 5 % with a six month term which TD Bank is currently offering. Instead, I was put into the lowest interest rate CD at .05 %. I spoke to a bank manager and said this practice was not fair to the consumer. TD Bank has not responded to my complaint.