23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

-XXXX XXXX and I signed the submitted Financing Agreement for 48 Months on XX/XX/XXXX. After a brief correspondence I knew all dealings concerning the arrangement would be dealt with by Equitable Acceptance. 
- At no other time was I contacted by XXXX XXXX, only Equitable Acceptance ( resp. known now as XXXX and EA ), and then by  monthly surface mail. 
-Late XX/XX/XXXX I gave EA notification that I was unemployed at the time due to XXXX and doctor 's notice to take a leave of absence for recovery. I knew at the time that XX/XX/XXXX 's payment had to go through because it was short notice, but asked for a 6-month period of grace on further payments. 
-First, I received a repetitive response of staying committed to making the payments, regardless of my ongoing status, then I was put on hold for close to an hour waiting for a " supervisor '' to give me a response of any kind. 
-Finally I was assured that the company will not withdraw from my account until XX/XX/XXXX, at which time I would correspond with them and inform them of my current status. 
-Funds have been withdrawn from my account since XX/XX/XXXX to the tune of {$270.00} ( {$39.00} a month ). I had contacted my financial institution ( XXXX XXXX XXXX ) to put a stoploss on the acct, but was informed they were unable to do so because banking information on the company 's end was not accessible. 
-Since then, I received correspondence by mail as well as by telephone from XXXX XXXX. Their claim was to file with them for recertification, a process which I was not aware of nor considered how important it was concerning my loan status. 
-It was at this point I was looking for a way to cancel this entire process. Not until I had received correspondence from XXXX concerning payment due did I come to realize all of my correspondence and transactions were with a company of reputable or credible standards.
Product: Checking or savings account

some XXXX open several saving accounts in my name.they had my full name, address, phone number, and social security number.call company, XXXX, had them to close all XXXX accounts. we ask them to send to us paper work concerning this matter. i have not receive any papers yet.
Product: Checking or savings account

I have been a Chase customer for over 20 years. As recent as XXXX, I have experienced some unprofessional, unethical, and illegal business practices by the company employees locally and via the call centers. 

On XX/XX/XXXX, I call Chase because I noticed a phone number ( XXXX ) registered as a contact under personal information account. I could not change this information because Chase has blocked my ability to update my personal phone number on my account via the Chase app and Chase Online Banking. The agent who responded to the call was able to change this information after several tries. 

On XX/XX/XXXX, I call Chase again because I noticed the same number ( XXXX ) registered as my contact under personal information. Again, Chase has this portion of my account blocked, which restricts me from changing my personal information as necessary. 

While logged into the Chase app and Chase Online Banking, I spoke with call center agents from the XXXX. During the call, my account was locked for suspicious activity and I was required to call a different number. When calling the different number, the agent refused to verify me and stated should would call me back. However, she never called my number. 

This is has been an off-and-on problem with the Chase agents. In XXXX, these rogue Chase agents changed my account number during while I had a legal matter that required me to provided payment history for payments made from my account. After the litigation, they changed my account number back to what it is now. In XXXX, they closed my account after I was able to successfully file a fraud claim for all the unauthorized charges made on my Chase Amazon Prime credit card and was reimbursed over {$500.00}. 

These rogue Chase agents are committing fraud, abuse, and performing illegal business practices.
Product: Debt collection

Reference # Creditor : XXXX XXXXr # XXXX ( Open XXXX ) Amount {$800.00} NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT Credit Collection Service XXXX XXXX XXXX XXXX, a consumer, am notifying you that I dispute this alleged debt pursuant to XXXX XXXX XXXX. I REQUEST THAT YOU PROVIDE ME VERIFICATION OF THIS ALLEGED DEBT. VERIFICATION CONSISTS OF ALL DOCUMENTS LISTED UNDER REGULATION F XXXX ( XXXX ) PROOF THAT THIS ALLEGED DEBT BELONGS TO ME, A FORMAL DECLARATION IN WHERE YOU SWEAR TO THE TRUTHS OF THE STATEMENTS OF THE FACTS OF THE MATTER, HIPPA AUTHORIZATION SIGNED BY ME, CEASE ANY CREDIT BUREAU REPORTING UNTIL DEBT HAS BEEN VERIFIED BY ME! 
HAVE FIRST-HAND KNOWLEDGE AND MUST BE NOTARIZED. Since this debt is disputed pursuant to the Fair Debt Collection Practices Act, you are required to cease and desist all collection of this alleged debt which includes reporting to my consumer report with XXXX, XXXX, AND XXXX. I hereby inform you that you do not have my consent to communicate with me through any medium. Furthermore, I DID NOT consent to you having my personal and private information. This constitutes aggravated identity theft. I also DID NOT consent to you reporting information in my name to the consumer reporting agencies. You are in noncompliance with the Privacy of Consumer Financial Information Rule of the XXXX XXXX XXXX XXXX for sharing my nonpublic personal information to nonaffiliated third parties and not providing me a notice that complies with section XXXX and giving me the opportunity to opt out pursuant to XXXX XXXX XXXX XXXX XXXX XXXX XXXX Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section XXXX of this title. ( b ) ( XXXX ) A financial institution XXXX not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section XXXX of this title, that such information XXXX be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. I request that you provide me the XXXX XXXX Of XXXX showing how much you paid for this debt. IT IS A MATERIAL MISREPRESENTATION FOR YOU TO ATTEMPT TO COLLECT ANY AMOUNT MORE THAN WHAT YOU PAID FOR THIS DEBT WHICH IS FRAUD UPON THE COURT AND FALSE & MISLEADING. THIS IS A WARNING! YOU HAVE VIOLATED MY RIGHTS AS A CONSUMER AND IF YOU DO NOT CEASE ALL COLLECTION ACTIVITIES AND REQUEST FOR THIS ACCOUNT TO BE DELETED FROM MY CONSUMER REPORT, I WILL COMMENCE A CIVIL ACTION AGAINST YOUR COMPANY, IN THE UNITED STATES DISTRICT COURT.
Product: Checking or savings account

On XX/XX/XXXX I opened an account online and made an initial deposit of {$100.00}. I got confirmation emails and an email that my card was on it's way so I set up my paycheck to go in there as of this morning. However on XXXX when I attempted to log in online and failed I called Cust. Service and was transferred to fraud who explained they just needed to verify my identity in the branch with two forms of ID. I went into the branch and they told me my acct. was closed but I could open a new one. I told them I needed the first one opened because that was where my direct deposit had gone. They called their retail helpline and were told all I could do was open a new account. the retail help agent was rude and inappropriate, telling me I was lying about the {$100.00} deposit ( it posted to my other checking account on XX/XX/XXXX). I started crying at that point so I took my ID and went to the parking lot to try with customer service again. I spent over an hour on the phone explaining I needed that money for groceries and to pay my mortgage and no one could do anything but offer me a new account. No one can tell me why it was closed AFTER I called and was told I was fine ( one agent informed this was the timeframe ) I'm not sure why you guys thought I'd stay with you. with God as my witness I will never do business with your crooked company again and I will do everything in my power to make sure everyone I know doesn't either, everytime in the next two weeks I have to tell my family I can't afford something I'm going to tag you on XXXX and XXXX with the story of how you treated me.
Product: Mortgage

Drop Mortgage has failed to provide a payment location and amount for a recent loan. This is on top of a disastrous loan process, coupled with shifting data and what can only be described as fraudulent practices at best. 

Their organization is among the most incompetent I have ever had the misfortune of working with. The front end loan folks do n't know what they need for underwriting compliance - even when you use a broker. Across the board everyone I spoke with claimed to be XXXX XXXX compliant. I pressed them for answers about what parts of XXXX they are compliant with, what did they do that was XXXX. They spew these terms without knowing any of the underlying requirements, deadlines, or documentation standards. 

When pressed they make up random answers about delays, new random pieces of paper they mysteriously need after the deadlines, and pick an accuse of the day. That is if you can get them to commit to a date to begin with, XXXX yeah right they sent me a " post consummation CD '' with a note stating " you do n't need to sign this we just wanted to let you know now that you have signed that everything changed BY more than {$30000.00}. I seriously had them tell me my docs would be ready in the morning for over 20 days, they even demanded me to cancel using XXXX because they were done ... only to not be done. 

Even after several layers of management, I was unable to find anyone that could give me a straight answer. In 20 plus years of buying / selling property I have never come across a more inept lending organization. 

Please for your own sake and that of your potential property do not use these clowns.
Product: Credit reporting or other personal consumer reports

This is NOT A DISPUTE. I believe the information being reported to be inaccurate. 
XXXX XXXX XXXX XXXX XXXX XXXX  DISCOVERBANK XXXX XXXX XXXX
Product: Credit card

A merchant charged {$2500.00} to my credit card on XX/XX/XXXX. The merchant acknowledged on XX/XX/XXXX that they had saved our credit card and erroneously ran the credit card while promising a refund. I immediately notified Chase Credit Card of the unauthorized transaction and requested a new credit card as this merchant had been saving out credit card details without consent. 

Chase Bank closed the fraud investigation on XX/XX/XXXX without informing us. Subsequently, when we called them on XX/XX/XXXX, they suggested that this was not a fraud case but a dispute case. A dispute case was opened on XX/XX/XXXX but now the Bank is saying that is not a dispute case but a Fraud Case and therefore dispute case needs to be closed. 

It has been over 2 months. The Bank never reached out to me once and every interaction with the Bank is Pillar to Post between their 2 own departments who want to close cases but not help us for something we should not have been charged in the first place.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, I am writing to dispute several inaccuracies on my credit report that violate the Fair Credit Reporting Act ( FCRA ), Fair and Accurate Credit Transactions Act ( FACTA ), and Equal Credit Opportunity Act ( ECOA ). These inaccuracies have caused significant financial harm to me, as well as unnecessary emotional distress. 

Firstly, my correct name is XXXX XXXX, but the credit bureaus are reporting it as XXXX XXXX. This violates Section 1681e ( b ) of the FCRA, which requires credit reporting agencies to follow reasonable procedures to ensure the accuracy of consumer reports. 

Secondly, the credit bureaus are reporting multiple inaccurate addresses that do not reflect my current address, including XXXX XXXX XXXX, XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX, MA XXXX ( XX/XX/2022 ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ( XX/XX/2022 ), and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX This violates Section 1681e ( b ) of the FCRA, which requires credit reporting agencies to follow reasonable procedures to ensure the accuracy of consumer reports, and Section 1681g, which requires credit reporting agencies to disclose all addresses that have been reported by furnishers of information within the past two years, but they must also identify the current address of the consumer based on information that is available to them. 

Furthermore, the credit bureaus are reporting incorrect employment information, listing my employer as XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, CA, and XXXX XXXX XXXX. This violates Section 1681e ( b ) of the FCRA, which requires credit reporting agencies to follow reasonable procedures to ensure the accuracy of consumer reports. 

These inaccuracies have caused significant financial harm to me, as well as emotional distress. They have led to me being denied credit and higher interest rates, making it difficult to secure a loan for a new car, rent an apartment, and obtain credit cards with reasonable terms. 

Therefore, I request that the creditor remove these unverified accounts from my credit report and take appropriate actions to ensure that my credit report is accurate. I also request that you enforce the laws that have been violated, including the FCRA, FACTA, and ECOA, to prevent this from happening to me or anyone else in the future. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Product: Debt collection

Disputed transaction multiple times and it just comes back as updated or verified, No verification has been provided to me
Product: Debt collection

Municipal Services Bureau ( MSB ) is attempting to collect a debt that is erroneous and not owed. I have filed complaints with the CFPB on this issue before, but it has not been resolved. In numerous exchanges with MSB, my attorney and I have demonstrated that the debt is erroneous, and that it has exceeded the statute of limitations on municipal debts. Specifically, MSB is in serious violation of the Federal and California debt collection practices acts in even attempting to pursue this since, even if valid - which it is n't - the collection of an alleged debt from XX/XX/XXXX-XX/XX/XXXX would be barred by the statute of limitations under California Code of Civil Procedure sec 338. MSB is aware of this fact and is acting tortiously and harassing me. XXXX XXXX of XXXX vs XXXX, XXXX. Court of Appeal XXXX District. There is a 3 year statute of limitations. I sent a letter to MSB directly with this information, and at about the same time I started receiving one or more phone calls listed with " No Caller ID '' almost every day. I will not answer these calls, but given that MSB has demonstrated a gross lack of regard for the FTC 's policies, I strongly believe that MSB is behind these phone calls. As such, I believe that MSB is now not only in violation of the FTC debt collection harassment rules, but is also in violation of the Federal Communications Commission 's ( FCC ) policy regarding caller ID spoofing. Under the Truth in Caller ID Act, FCC rules, 1 ) prohibit any person or entity from transmitting misleading or inaccurate caller ID information with the intent to defraud, cause harm, or wrongfully obtain anything of value, and 2 ) subjects violators to a penalty of up to {$10000.00} for each violation of the rules. I am documenting the day and time of each phone call. If MSB is behind these phone calls, they are also continuing to violate the FTC 's debt collection harassment policy. Especially, considering that MSB has, in writing, stated that they will no longer contact me. I strongly urge the FTC and CFPB to investigate MSB 's debt collection practices.
Product: Debt collection

JTM CAPITAL MANAGEMENT , LLC at XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX has been sending me collection notices in the amount of {$300.00}. The charge off has been reported on my XXXX credit report. I do not know this company. I never done any business with this company. This company does not have a contract with my signature.
Product: Debt collection

I fell into financial trouble several years ago. I got behind on my credit cards and XXXX of them was an {$11000.00} balance on XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Alabama contacted me about the debt over 2 years ago. XXXX XXXXXXXX XXXX XXXX XXXX XXXX deal with. I agreed to a settlement and that he would draft my checking account every month for around {$400.00} until the settlement is fulfilled. He drafted the first payment and never drafted anything again. I never stopped payment on this and I always put money in the account to cover that draft. Now, roughly 2 years later I get served a letter that they have a judgement against me. I have complied with everything but this law firm has violated our agreement and has continuously harassed me.
Product: Debt collection

Today, XX/XX/XXXX, I attended a Small Claims lawsuit hearing brought against me by Portfolio Recovery Associates LLC, represented by XXXX XXXX XXXX. In the Small Claims document it states that I owe {$810.00}. I explained to the lawyer that I have a document sent to me from Portfolio Recovery Associates LLC on XX/XX/XXXX that states I owe {$850.00} and that the telephone number on the Small Claims document is not mine. It is an Iowa number and I have never lived in Iowa. He said that sometimes minor discrepancies like these happen but that I still have to pay. I asked that he present documents showing that the debt is mine and that I formally deny that the debt is mine. He went on to explain preponderance of evidence and that he was sure I would have to pay regardless of the errors. He assigned a trial of XX/XX/XXXX. He said XXXX XXXX would me validation of debt package. In addition, I am XXXX XXXX XXXX, retired and my only income my Social Security monthly benefit. I would like CFPB 's help in this please.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX, XXXX, and TransUnion for failing to respond to credit disputes filed over XXXX  days ago. Despite multiple efforts to address inaccuracies, I have not received any acknowledgment, investigation results, or updates regarding the disputes. These inaccuracies involve the XXXX account and an erroneous bankruptcy reference, which have not been properly verified or corrected. 

XXXX removed the XXXX tradeline after my dispute through CFPB XXXX # XXXX, but XXXX and TransUnion failed to address or resolve the issues. The continued reporting of these inaccurate items has severely impacted my credit score, resulting in denials of credit and ongoing financial harm.
Product: Credit reporting or other personal consumer reports

The items listed below are reported on my personal credit file and were found in my reports with 3 credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regard to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has my XXXX XXXX account showing negative until 2022 and there has not been a late payment in over 2 years. 

There is nothing showing late nor is my account negative for 24 months I 'm also filing with the FTC on Experian for there reporting practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

-made a lump payment of {$17000.00} on XX/XX/2021 exiting my forbearance plan via phone with pennymac -it was communicated to me that after i made this payment i will be able to resume payments as normal -error code that blocks autopay was found on XX/XX/2021 on my account and paid outstanding amount while on the phone with an agent -was told because it was an error on pennymac and i was able to make outstanding and current month payment ( XXXX payments ) that it would not be reported as late
Product: Mortgage

My home mortgage was sold to Nationstar, and I had trouble since. Last XX/XX/XXXX, I called and asked Nationstar if I could prepay my XX/XX/XXXX property tax since i have an escrow account with them. I was told I could go ahead pay it, and Nationstar will do a escrow re analysis for me once I submit the payment proof. 

I faxed over my payment proof in XX/XX/XXXX and called request for the escrow account analysis. In XX/XX/XXXX, I called. In XX/XX/XXXX, I called, In XX/XX/XXXX, I called. However everytime I called, the rep. including the supervisor were rude, not willing to help, nor do the escrow re analysis. I was told a different story every time I call. 

I called local county, and I know the county has refunded the money back to National star for my property tax for the period XX/XX/XXXX - XX/XX/XXXX, at {$5900.00}.
Product: Credit card

I had an American Express Gold Rewards Plus Card.  I called Customer Service.  The representative said that I couldn't change, but that I could apply for a new credit card and cancel the Gold card.  I wanted a Green Card but the representative steered me towards a Blue Cash Every Day card even though I said I would be using the card as a XXXX or backup/emergency card.  He submitted for approval and it was denied.  This all took XXXX minutes.
I called a XXXX time immediately after to cancel the Gold Card.  The XXXX representative asked why and I explained that I wanted to downgrade to a Green Card but that option was not available to me.  She said it was and made the change.
I wanted an American Express card, but I didn't want to apply for a new credit because my credit isn't that good and I know applying for credit and getting denied further damages my creditworthiness.  I should have been able to downgrade from the Gold Card to the Green card with the XXXX representative instead of applying for a new card and getting denied.