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

I opened an account online with a promo code XXXX. The account was closed per their fraud department within two days due to verification ( I was not able to get into a branch to verify my identity due to no appointments were available until Saturday ). At that point the branch employee opened a new account and attached the promo code and told me I would still get the {$100.00} promo as long as I made the deposits within the timeframe ( I made the amounts required ). The banker actually advised that the amounts did not have to be {$250.00} exactly, but as long as they added up to the {$250.00} during the month, I would still qualify. I did not fully believe her so I made sure to have the {$250.00} or more direct deposited ( I found out during a call center conversation, I was correct ). This is a UDAAP and Sales Practice issue, your bankers are providing incorrect information just to open an account and receive incentive. Very misleading. I would like the {$100.00} promo that was promised to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to assert that I have no ownership or liability for the alleged debt referenced in your recent communication. This letter serves as notice of estoppel, based on the principle of estoppel by silence and your failure to provide sufficient evidence of the debt 's validity. 
Account Details : Creditor Name : XXXX XXXX XXXX Account Number : XXXX Amount : {$750.00} I have received correspondence from your agency claiming that I am responsible for the aforementioned debt. However, I dispute the validity and accuracy of this claim. Despite my requests for supporting documentation and verification of the debt, you have failed to provide any substantial evidence linking me to the alleged debt. 
I HAVE NOT SUPPLIED PROOF UBDER THE DOCTRINE OF ESTOPPEL BY SILENCE, ENGELHARDT V, GRAVENS ( MO ) 281 sw 715, 719. I PRESSURE THAT NO PROOF OF THEIR ALLEGED DEBT, NOR THEREFORE ANY SUCH DEBT, IN FACT THEREFORE EXISTS. I HAVE NO OWNERSHIP OF THIS DEPT. I NEED IT TO BE COMPLETELY DELETED. 
The principle of estoppel by silence applies in this case, as your repeated attempts to collect on a debt without providing proper validation or ownership verification has created a reasonable expectation on my part that no such debt exists or that any potential debt is not enforceable against me. 
Therefore, I hereby assert my rights under estoppel and insist that you immediately cease all collection efforts, remove any negative remarks or entries related to this alleged debt from my credit reports, and confirm in writing that no further collection activities will be pursued against me. 
Failure to comply with this notice of estoppel may result in legal action being taken against your agency for violations of the Fair Debt Collection Practices Act ( FDCPA ) and other applicable laws. 
Please consider this matter seriously and respond in writing within 30 days of receiving this letter, acknowledging the application of estoppel and confirming that all collection activities will be halted. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Checking or savings account

On XX/XX/2020 someone Fraudulently used my Debit card associated with my Chase Checking Acct to withdraw {$4000.00} from the teller. In addition the criminal called into Chase to transfer {$3000.00} from a linked college acct into the checking acct and bought nearly {$3000.00} Bitcoin on debit card as well. 
After reporting these events to Chase fraud Dept the afternoon of XX/XX/2020, they have since investigated the claim for the {$4000.00} cash withdrawal and stated NO Fraud involved and are NOT reimbursing the Money. It was brought to their escalation dept who re reviewed the claim and again stated No fraud involved. 
I have spent countless hours on the phone, had several meetings with my local branch client reps, filed a Federal Trade Commission identity fraud report and police report. 
The Police detective investigating this pulled the bank 's video tape and it revealed an masked XXXX XXXX male making two {$2000.00} withdrawals at the teller posing as me, a caucasian male with a very greek name of XXXX XXXX XXXX. 
The escalation dept told me their investigation is complete w/o any further appeal process. I was also told it was my prerogative if i wanted to pursue this further with the police dept. 
I am a XX/XX/XXXX working throughout this Covid pandemic and needless to say I don't have additional available time to spend on this let alone the unnecessary stress this and Chase Bank has caused me. 
In addition to this Chase has not been transparent with the info they have investigated so as to let me know what other identity info was used other than a PIN number so that i can further protect myself. 
Chase has failed me in so many ways.
Product: Credit reporting

On XX/XX/XXXX i was turned down for a apartment XXXX in XXXXXXXX due to a past rental debt/judgement that i was unaware of with XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX, and property mangement XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX OfficeXXXX XXXX XXXX XXXX XXXX, XXXX XXXX. At the time of my lease XX/XX/XXXX i complained about several repairs needed to the property such as Air conditioning not fully working properly, and suspected mold showing in the home. I as well as my families health deteriorated in the home, and served XXXX letters certified as stated in the lease. I also went according to the attorney general page to look for direction on this. I am upset because XXXX XXXX took it upon themselves to serve an ILLEGAL Eviction when their was no one in the home, they were notified of the reason that i was leaving per my lease. I have served the property management XXXX a letter and they are stating they no longer are over the property and that i would need to speak to XXXX XXXX who does not reside in the XXXX area. I wish to have this infallacy removed from my credit and also i will filing a civil suit against XXXX XXXX. Please assist with this matter before it turns to the court.
Product: Checking or savings account

I notice a Checking Account XXXX open recently without consent or permission of acknowledgement with unauthorized charged to the credit account ending ... XXXX showed incorrect balance and fees added, this is absolute an unfair practice or mistake by the bank institution, under FCRA these mistakes and unfair practice shall be address immediately and will not be responsible to the consumer or customer that's affect by it. Please send proof of authorization within 5 business days and remove incorrect balance, and close the account immediately.
Product: Credit reporting, credit repair services, 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 XXXX XXXX XXXX XXXX XXXXXXXX Account name- XXXX XXXX XXXXXXXX Account name- XXXX XXXX XXXX XXXX XXXXXXXX Account name- XXXX XXXX XXXX # XXXX Account name- 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

Below is information Ive identified on my credit report that needs to be deleted from your records immediately. Please see attached letter. 

Furthermore, as you can see from the information above, your agency is not reporting accurate information. According to [ 15 USC 1681e ] ( b ), Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual to whom the report relates.

You are in violation of the FCRA, [ 15 USC 1681b ] ( a ) ( 2 ) : ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the information you're reporting. 
My rights were violated, especially my right to privacy, according to [ 15 USC 1681 ] ( a ) ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy. 
I, therefore, request that you immediately delete the items specified above from my consumer file with your agency. Failure to do so will require that I take appropriate legal action. 
All these violations are a direct violation of 1

5 USC 1681. No consent is identity theft, and these violations are Aggravated Identity theft, according to [ 18 USC 1028A ] ( a ) ( 1 ). You have knowingly transferred, possessed, and used, without lawful authority, a means of identification of me, which is a felony punishable up to 2 years of imprisonment, in addition to civil liability.

For damages, I am invoking my rights as a consumer pursuant to 15 USC 1681 ( n ) civil liability, and I demand compensation for every violation listed below ; Permissible purpose {$1000.00} Defamation of character {$1000.00} Damaged reputation {$1000.00} Damaged credit worthiness {$1000.00} Damaged mode of living {$1000.00} Infringed on right to privacy {$1000.00} Cease the reporting of this erroneous and deceptive information on my consumer report. Delete the specified accounts from my consumer report and all your systems.
Product: Mortgage

I applied for a XXXX XXXX XXXX from XXXX on XX/XX/2022. 
I went through their online application that asked myriad questions regarding the property and primary mortgage was automatically found and pulled into the application. 
I read the disclosures prior to authorizing a hard inquiry of my credit report. 
The home equity loan was automatically approved for {$200000.00}. 
However on XX/XX/2022, I find that Discover will not issue the XXXX XXXX loan for single family homes on more than 20 acres or manufactured home ( even though converted to real property with the State of Nevada ). 

I talked to Discover Home loan representative and supervisor at Discover. 
The supervisor ran me through their website where, after 6 pages of drilling through various web pages not referenced in the online loan application, the following statement was seen : You can apply for a home loan from Discover using a home you own and live in as your primary residence. This residence must be a single family dwelling. Eligible property types include single-family homes, condominiums, townhomes, and Planned Unit Developments ( PUDs ). Other properties, such as investment properties, manufactured homes, commercial properties, log homes, trusts, and properties larger than 20 acres are not eligible at this time. 

At no point in the online application was this information prominently referenced nor the applicant directed to view, nor was this information displayed in their disclosure available prior to authorizing a hard inquiry for credit report. 

Discover obtained my consent to perform a hard credit inquiry where there was no possibility they were ever going to issue the XXXX XXXX loan. 

Discover.com home equity loan representative and supervisor refused to remove their hard inquiry from my credit report after leading me to believe, as a reasonable user of their online application process, that they would issue a loan if I passed their credit profile test which required consent to a hard credit report inquiry. 

If Discover had disclosed in their normal application process that manufactured or large acreage was not eligible, or if the application itself had questions relating to whether it was a manufactured home or property was larger than 20 acres, either the loan application process could have been cancelled by either discover or myself without having a hard inquiry reported on my credit bureau account.
Product: Debt collection

On XX/XX/2022, I attempted to call the company regarding my dispute on my credit account to ask them to remove the false account from their records and my credit report. When I called, an automated message answered, but I asked to speak to a representative. The message then sent me to speak to a woman. She asked me what branch I was trying to reach to. She transferred me to the branch. I was then greeted by another automated message saying that I needed to wait for a representative to come into the phone. I waited for about 20 minutes and after those minutes, the automated message then told me that there was nobody on the line and nobody that I could talk to. Then the phone hung up on their line. So I was not able to talk to a representative and nothing was done on their part because I was not able to talk to them.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely updated XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit card

On XXXX, Office of the President SYF emailed me this COUNTERFACTUAL statement : " Regarding the billing dispute, our previous response advised the dispute had been found in favor of the provider. Although you have stated no services were provided, the documentation provided by the merchant shows you signed their consent form, which stated you would be responsible for all charges ''. 

On XXXX, i went to XXXX XXXX to resolve this matter but instead, they handed me the crown-package AS IF I'M A XXXX WHO CAN CEMENT THIS INTO MY MOUTH. 
IS THIS THE SERVICE YOU ARE CLAIMING WAS DONE?? What service are you claiming was done?? which i paid {$1800.00} for at XXXX XXXX XXXX XXXX XXXXXXXX.
Product: Debt collection

On XXXX XXXX, we received approval from Mr Cooper for a mortgage modification in which the maturity date was XXXX XXXX. On XXXX XXXX, we got the final paperwork and the maturity date changed to XX/XX/2035. Numerous emails with Mr Cooper rep indicated that the mortgage investor changed the terms of my mortgage from a 30 yr mortgage to a 13 yr mortgage!!! THIS IS NOT RIGHT!!!!!
Product: Debt collection

This year during the pandemic ( Covid-19 ), I tried to dispute this alleged debt with Jefferson Capital System with the credit bureaus. The bureaus never sent me any information regarding this alleged debt so know I sent a No response back to credit bureaus and now I'm sending a Debt Validation letter to collector. Since neither debt collector nor credit bureaus have no proof that this alleged debt is mine, by law this debt as to be deleted from my credit report. Debt collector should be receiving validation letter via certified mail this first week of XXXX and now in this complaint. I shouldn't be treated like this especially during a pandemic, its hard enough out here trying to make ends meet.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Bank Account # 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 a account without my written instructions In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # 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 a account without my written instructions In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 

XXXX5 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 In accordance with the Fair Credit Reporting act XXXX XXXX Account # 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 a account without my written instructions In accordance with the Fair Credit Reporting act XXXX XXXX Account # 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 a account without my written instructions In accordance with the Fair Credit Reporting act 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 a account without my written instructions
Product: Mortgage

I complete an application for a mortgage 20 days with Chase and have not received approval or denial.

I have contacted them several times even called twice to get it escalated and reassigned with the hopes I can use my financial institution for my lending needs, however, all attempts have been unsuccessful.

I have spent entirely too much time on this and it is beyond frustrating with the lack of service and responsiveness of Chase
Product: Debt collection

Management at XXXX XXXX XXXX XXXX XXXX XXXX  charged me a move out fee of {$640.00} and sent it to collections although I asked them for a resolution. The charge is fraudulent as I lived there for over 3 years and the carpet was in good shape, normal wear and tear. I have had no consistent correspondence and will be taking legal action against them. 

Once the charge was sent to Pro Collect Inc. collections I received calls and answered and was told there would be no way for me to dispute the charge as it's already been sent by the property manager and if I tried to dispute it, I would just be charged again. I was also told that even with a written dispute the charge would still be deemed valid because the property sent it to collections. I agreed to make the payments per month to avoid negatively impacting my credit but I will be taking this to court.
Product: Mortgage

On XX/XX/21 I made my monthly mortgage payment for the monthly amount due XX/XX/21, using Mr. Cooper 's online portal specifically for that purpose ( not the portal for additional principal payments. Mr. Cooper nonetheless designated my payment as a principal payment, putting me in danger of being delinquent on my monthly mortgage payments. Upon learning of this on XX/XX/21, thankfully in time to prevent a delinquent payment, I contacted Mr. Cooper via phone, message, and chat requesting that the misapplied payment be corrected. Mr. Cooper employees agreed to correct the error but refused to provide written documentation on the date my monthly mortgage payment was due other than what I could print or capture from the screen of the Mr. Cooper web portal. Additionally, an employee told me that Mr. Cooper is in the practice of applying payments specifically designated as monthly payments to principal and refused to provide assurance that future payments will be applied to monthly payments per my express direction.
Product: Credit reporting or other personal consumer reports

It has come to light that you are not removing the records, despite my submission of the FTC report. As required by Regulation 605b of the FCRA, I am sending this complaint to help establish a formal response. If you choose not to remove the items listed below, which are inaccurately reported due to fraud, I will turn over my documentation to my attorney to initiate legal action. My intent is to avoid any legal proceedings, so I urge you to comply with the law promptly. 
XXXX XXXX XXXX XXXX APT XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} CREDENCE RM XXXX XXXX : {$530.00} XXXX XX/XX/year>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
Product: Credit reporting, credit repair services, or other personal consumer reports

2-3 years ago I sent letters to all 3 reporting agencies due to receiving my mail opened and sometimes used for toilet paper by XXXX people. I never have important documents sent to my street address living in XXXX XXXX. Now I do not use a street address for anything I can avoid due to security that should be my prerogative. 

The letters seemed to clear things for a short period until just the other day I had a friend who works near where i live hand me a declined notice for credit that had been opened and laying on the street.  Experian decided it is their policy to not pay attention to my very important request to not send mail to my street address. ok ... 

I call Experian and told I can only communicate via usps*. I try to login and my account is frozen even though i am subscribed to get reports each week or when something changes on my credit. They locked me out of my account. I can not speak with anyone. 

The letter that denied me a gas card says, I MUST CALL THEM*, they can not verify who I am since my address did not match when I applied for the card. I used my POB since that is the correct address and not the street because I can not have mail go to street. I am seriously needing to figure out why suddenly my street address is being used and can not even communicate with the agency ...? Agent : " agency ''? Is there no fiduciary obligation to the consumer as an agency ...? Why is all the protections set up for businesses to do as they please with our credit? 

What is the impact on a consumer when the Credit Reporting Agencies XXXX with our credit and ability to access and communicate? I'll tell you ; Ability to get a rental, ( shelter ), ability to get a loan for a purchase such as a car or home, ( shelter / livelihood ), Auto Insurance now too ... yes! our auto insurance is now based on our credit scores. 

That is not the end of the list but being that it has everything to do with our ability to have shelter and create a logical and sustainable livelihood, this takes my complaint from unethical to unconstitutional. 

There must be standards put in place that actually protect the consumer from the systems that are using consumers as commodities without regard as to our ability to sustain. 

I DO expect something to be done about this problem. Having worked in mortgage banking and fraud investigations myself I can say I have seen what should be illegal activity from all credit reporting systems and the use of people like cattle to create a monopoly labyrinth that is near impossible to navigate. 

People 's lives are at stake and these companies are walking all over us. Why have we even gotten to this point? Makes many of us feel this is an agenda and establishments that are supposed to protect us, such as CFPB, are turning a XXXX eye. This is NOT new NEWs!