23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I have been attempting to obtain a loan modification for over a year from SLS. They assumed my loan from XXXX XXXX XXXX 2 years ago. I have made several overtures to this company to secure a loan modification. In XXXX 2016 I reached out to them again requesting status request. The response was requested documents had not been received, modification had not been approved. I requested documentation be sent to me to reference to. A letter formally requesting further consideration would be required. I sent formal letter. I have since called to request documentation and customer service representative XXXX stated modification request was denied. I requested that documentation and was told SLS would not provide any further documentation and if I wished further info to go to SLS website. This is very unfair and appears to be placing obstacles in my bankruptcy consideration.
Product: Credit card

Chase approved me for XXXX of their credit cards, Chase XXXX XXXX. Upon receiving the card, I began to use the card. After a few transcations, I get a phone call from Chase regarding a fraud alert. I return the call and answer the appropriate questions. I was told to then go visit a local Chase branch. I went to the local branch to prove my identity. The branch personnel called the Chase security team and verified who I was. One week goes by and there is no contact by chase. I call daily to check the status. I eventually find out that my Chase credit card has been cancelled because of fraudulent activity. Meanwhile, there was no fraudulent activity.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had requested the XXXX credit bureaus ( XXXX, XXXX, and Transunion to remove the incorrect name and addresses and they did not do it. The incorrect spelling name on my credit report is " XXXX '' and the incorrect addresses are as following : XXXX XXXX XXXX, XXXX, NJ XXXX - XXXX XXXX XXXX # XXXX, XXXX, NJ XXXX - XXXX XXXX XXXX # XXXX, XXXX, NJ XXXX - XXXX XXXX XXXX, XXXX, NJ XXXX - XXXX XXXX XXXX XXXX, XXXX XXXX, NJ XXXX. All XXXX addresses are not my past or present address.
Product: Debt collection

Caine and Weiner are charging me insurance for a car I never owned XXXX. I shouldn't have to pay insurance for a car I was interested in buying and I looked up XXXX information to get a price quote and they charged me as if I drove off the lot with the vehicle.
Product: Credit card or prepaid card

Oportun Card offered a pre qualify link to check to see if I was approved for their card. They state on their website this will not be a hard pull and will not have an impact on an applicants credit. They pulled XXXX bureaus that night and ended up issuing a card with a massive annual fee and low limit, even though I had not actually applied for the card. 

They should have never pulled my credit, based on their own website verbage, and should have never issued me a card without my applying for it. I want the card cancelled and the XXXX inquiries removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I obtained a lease from Ford Credit in XXXX of 2018, the lease amount 'financed ' was listed on my credit report for {$6800.00}. I have made all payments on time, but as of mid XXXX I got a notification from XXXX that Ford Credit lowered my credit limit ( {$6400.00} ), which in turn lowered my credit score. I called Ford Credit on XX/XX/XXXX and she said it was the company 's fault that they added sales tax into the original amount reported to XXXX. This error was a Ford Credit error and they have no solution for me. I would like this reversed to reverse the negative decrease in my credit score.
Product: Checking or savings account

I used to bank with Chase but on the XXXX of XXXX I got a check and tried to deposit it on the app and was told it wouldnt be available to me till the XXXX so I called to find out how to speed up the process and was told to visit my employers bank ( XXXX ) so they can physically verify it and give me a note, so after making my way to XXXX I was told that the bank doesnt really do that and I could just cash in the check their instead, so I decided to cash it and call Chase back to cancel my deposit. When I explained on the phone with the customer service representative she got confused by my question and forwarded the check and I panicked and told her its now been deposited twice. But she reassured me that the check would cancelled and that the money would automatically be returned in 5 days. 
My worries were put at ease until the next day I was confronted by my boss who yelled at me saying he got charged twice and that I need to fix this or there will be trouble, so I called Chase again where I learned that once I deposits check they cant cancel it meaning I accidentally deposited it twice. On the XXXX my boss tells me that XXXX was able to reverse it on his end and he was able to get his money back but on that same day Chase completely locks my account, they tell me that they cant unlock it until everything gets fixed and they get some type of verification from XXXX, so I go back to XXXX and they tell me everything from their end is done and there is nothing I can do. I find out I have 2 weeks to fix my account before Chase closes it so I began calling their customer service and keep getting told different things on how to fix it and non of them work and I go inside of 2 different branches to ask for answers as well too and everyone reassures me I just have to be patient and everything will fix itself. But then 2 weeks pass and my account is closed. I talk to the customer service many times but they tell me their is nothing I can do and their has even been a couple of times they have been rude and even laughed about my situation. Im having a hard time getting my money back from Chase but the thing that is the most upsetting about this entire situation is the fact that they are treating me as if Im a criminal.
Product: Credit reporting or other personal consumer reports

I have contacted XXXX, XXXX, TransUnion and XXXX XXXX about inaccurate information on my report. The agencies have stated that the results from the investigation are verified as accurate. Which is not correct. I have sent an opt notice to XXXX XXXX and they continued to report information and inaccurate information to the credit agency which violates 15 usc 6802 and 15 usc 6805 Enforcement. 16 cfr 313.7 has been violated as well. I have been disputing this with XXXX since XXXX and since XXXXwith XXXX. The most recent dispute with Transunion was XX/XX/XXXX. The Privacy act of XXXX has been violated. I reached out several times to these agencies and business and they continue to violate me. The law also states its illegal to report transaction history.
Product: Debt collection

In XX/XX/XXXX I was a self-employed home inspector. The housing market began a sudden decline and as a result I started to become delinquent on my bills. I received a check in the mail, from Beneficial of Ohio, in the amount of {$5000.00} along with a letter stating that, Records indicate that I may need some financial help at this time and all I had to do was sign the back of the check and cash it to open my account with Beneficial Finance. I thought the low in the market was temporary and so I took the offer. 
Once I got behind on this loan the fees and interest rate started to build up at a very rapid pace and no matter how hard I tried to work with Beneficial the fees and interest kept outrunning anything I could do. In XX/XX/XXXX Beneficial received a judgement against me for the amount of {$6100.00} which was far more than the amount I owed on the original loan in which I paid on for a couple years. I tried working with their attorney, XXXX XXXX to no avail. They refused to accept any and all offers including an offer in XX/XX/XXXX for the full amount of the settlement. They have now filed for a Revivor and said that I will now have to pay over {$13000.00} to settle this amount. 
This original loan was predatory in that they knew I was having difficulties when they made the original offer and they have continued this predatory practice ever since by adding fees, cost and interest that make it impossible to ever pay off. 
I had a total of 9 creditors in XX/XX/XXXX and was able to avoid bankruptcy by working with each and everyone of these creditors. Some settled, some differed interest and penalties as long as I made regular payments, but I was able to work with them to do the right thing. I attempted to do the same with this company only to be called names and be told that they will get all their money plus much more by XXXX XXXX, who works for XXXX XXXX, the attorney Beneficial uses to strong arm their clients. 
I have never denied owing them the money I borrowed and I have tried to work with them time and time again yet they continue their loan shark type tactics to increase their own profits.
Product: Credit reporting or other personal consumer reports

The following inquires were not done by me. Please delete due to fraud identity theft : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX : Notice for Proof of Claim Account : CREDENCE RESOURCE MANAGEMENT # XXXX**** To Whom it may Concern : This is a this complaint is submitted Under OHIO LAW U.C.C 1319.12 Taking assignment of debts States ( C ) No collection agency shall commence litigation for the collection of an assigned account, bill , or other evidence of indebtedness unless it has taken the assignment in accordance with all of the following requirements : Credit contracts are non-assignable even if the contract has a clause for assign ability because it violates contract Law. Where there is no fair valuable consideration given, the contract or agreement is void ab inito. The debt is non-transferable. If it is a contract for credit or goes to the character of the parties, it can not be transferred or assigned. No state can make a law impairing contracts, Under OHIO LAW U.C.C 1319.12 Taking assignment of debts ( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation.

The written agreement also shall disclose that the collection agency may consolidate, for purposes of filing an action, the assigned account, bill, or other evidence of indebtedness with those of other creditors against an individual debtor or co-debtors. Dartmouth College v. Woodward 4 Wheat 518 : White v. Hart, 13 Id 646. Once the Creditor writes off a debt, it can not be assigned or Collected. Since this is an error I demand that you send me the following proofs. As you are obligated to do in accordance with the Fair Debt Collection Practice Act. Section 1692 ( g ) : Under the Law, FDCPA, Section 1692 ( g ), you have 30 days to supply these proofs, if more time is needed please contact me by certified mail and I will extend you 15 extra days. I also request to see a certified copy of any contract or agreement between you and the original creditor that gave you the right to collect this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several inquiries reported on my file. 
They are all listed in my ftc report. I also want to update my name as it is reporting wrong. I have have uploaded my ftc reports and ID and SSN. I previously contacted Equifax about this matter, with no correction on their part.
Product: Credit reporting or other personal consumer reports

I DONT RECOGNIZE THESE ACCOUNTS 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

Recently became aware of a credit card with   XXXX   XXXX   that was opened in my name by my sister and her husband. The account is past due and affe cting credit score because  both my sister and her husband were   XXXX   in an   XXXX   XXXX   so nobody is making payments on it anymore. This is how i became aware of the account by getting phone calls about a past due account. Spoke with banks fraud department and informed them that I knew the individuals that opened and were using the account but that I did not open or use the account and they requested a statement as well as the   XXXX   XXXX   of my sister which I faxed to them.  After 2 weeks never heard back from them and called them again to get the status and was put on hold for over 30 minutes and when the rep returned she simply told me that the account had been closed and when I a sked what that meant I was not given any further information. I assume they are refusing to assist with this fraudulent account since they would not say anything more other than the account was closed and there was nothing they were obligated to do.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting in accurate information on my credit report damaging in my character and my credit
Product: Checking or savings account

Tried to link existing account from PNC to XXXX so I can apply for PPP. 

I got an error message saying recent changes to PNC make it impossible to link.
Product: Credit reporting or other personal consumer reports

Please see attached documents. Do not close this complaint stating it is not me. I am a natural person and a conAfssumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I sent a letter requesting the removal of unknown accounts and inquiries from my credit file. Today, I discovered that according to FCRA 605B ( 15 U.S.C. 1681c-2 ), these items should have been removed no later than 4 business days after the aforementioned date. These errors are significantly impacting my credit score, and I demand immediate correction in accordance with FCRA. I previously raised this issue in my Complaints and I am reiterating my request. The specific items that require removal are listed below : XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX {$6600.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXXXXXX XXXX ) XXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX. I want to make it clear that I did not open these accounts or authorize anyone else to do so on my behalf. I strongly believe that this is a case of identity theft, and I am taking the necessary steps to report it to the authorities.
Product: Credit reporting or other personal consumer reports

I have disputed my information with Equifax requesting that my address be updated to report the correct information. I have called and disputed through Equifax 's website as well as the avenues that are given in order to address this issue. I have stated that there should not be any other address on my credit report other than XXXX XXXX XXXX XXXX XXXX OH XXXX. Any other address reporting is obsolete and inaccurate and should be removed as a result. I have attached my identifying documents in order to provide proof of this address update. I am requesting that my address be updated to reflect correct and accurate reporting. Please remove XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX in particular. I requested this information to be removed because it is incorrect however, Equifax is refusing the removal of this inaccurate information although I am the authorizing person who would have had to identify this address in order for it to report. Again, I am stating that I did not authorize this address to report for it is obsolete and according to the FCRA it should not report.
Product: Checking or savings account

I received an email from Chime Bank saying that they closed my account for suspicious activities they never disclosed what these suspicious activities were and I have not been able to get in touch with a live human I only received automated responses and I don't have any access to any of my funds and we're in the middle of a pandemic and that's my only source of income and I don't have access to finances because they closed my account
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing information with Transunion for months. I filed many complaints stating Transunion was violating the FCRA and the same employee XXXX XXXX responds saying the information is accurate. I contacted one of the companies and they said they closed the account and submitted the information to be deleted by Transunion. The last complaint was filed on XX/XX/18
Product: Credit card or prepaid card

I was charged a late payment fee of {$30.00} by Macys ( Department Stores National Bank ) for an overdue payment. This was something that I was responsible for. 

I paid the balance due in full one day late, and Macys was kind enough to reverse the charge. Over the phone I was assured that there would be no balance due and no additional charges on the account. 

After calling to check on the balance ~one week later, I learned that the reversal was not for the full amount, but rather {$28.00} dollars. Seeing as I was partially at fault, I gladly paid the {$2.00} hoping that the issue was resolved. 

The next month I received a bill with an additonal {$2.00} fee to my surprise. This was later explained to me as interest. 

The problems with this as I see them are : - I was told that after the payment and reversal there would be no further charges - I have dealt with this issue now multiple times -- 3+ phone calls - Unanticapated charges are being made against the account that seem predatory in nature
Product: Debt collection

GC Services was hired by XXXX XXXX to collect on a debt that belonged to my ex-wife. I wrote them a letter within the 30 days required contesting the debt and requesting verification. In response I received a letter asking that I call a representative to discuss the debt. No verification of the debt was enclosed in that mailing. I called the representative, who merely tried to push me into paying on the debt. I declined to do so, and sent a second letter requesting verification of the debt. They did not send the verification ; instead, they sent me a letter advising me that the debt had been reported to credit bureaus. 

While CG Services has resolved the issue ( after I filed complaints with the State Attorney General 's offices in Idaho and Utah ), it should still be noted that they violated the Fair Debt Collection Practices Act by failing to provide verification of the debt. Which they did n't have ... probably why they would n't send it.
Product: Credit reporting, credit repair services, or other personal consumer reports

FILE A DISPUTE US BANK HOME MTG XXXX The account is not in deferrement status. The account is closed/paid in full. 

Please correct comments. Please remove negative deferred comments. 

thank you,
Product: Debt collection

. I submit a Letter Of Validation to Midland Credit Management. To provide me with the following : Agreement bearing my signature, or contract, valid copies of the debt agreement. A complete payment history on this account along with an accounting of all additional charges be assessed? Anything stating I have agreed to assume the debt. As of this date, I have n't received copy of the alleged letter verify information provided by the seller. Midland Credit need to provide all documents to myself and Bureau of Consumer Financial Protection. Midland Credit has n't response to my Letter of Validation. Midland Credit, have n't removed anything from my Credit Report, they only requested that the XXXX Credit Bureau place account in " Disputed '' is the letter shows. The response notice was n't what I demand from Midland Credit, I am sending the response notice to show the inaccurate of Midland Credit, in my request. I demand Midland Credit send documents showing there accurate of this account number : MCM : XXXX. Originally Creditor XXXX, Originally Account : XXXX.
Product: Money transfer, virtual currency, or money service

XXXX, Cash App, and Square XXXX  are all money transfer applications that I have never used before in my entire life. These companies authorized fraudulent transactions to go through without even allowing me to give them permission. These charges began to appear randomly on my bank statements totaling XXXX XXXX dollars, which is a federal crime. These transactions began on XX/XX/2018 and finally stopped after I constantly complained to my bank trying to prove it was not me. They started with small amounts and escalated very quickly. They varied anywhere from {$50.00} to {$3000.00}. XXXX XXXX, my bank, did not let me know of any of these transactions which is strange because they always notify me of even the smallest transactions I personally make. They also did not do a full 10 day investigation because they considered it too unusual. I was forced to start calling the vendors myself, but have failed in being able to reach XXXX, Cash App, and Square XXXX. These companies have committed a federal crime.
Product: Credit reporting or other personal consumer reports

XXXX XXXX  failed to repair my car then tried to over me another car which i wanted my car to be fixed and repaired with them not being able to repair the car because it was a lemon and the lemon laws they tried to give me another lemon which i didnt want to be put in the same situation again i asked if they could take the car back without a repossion on my record they said yes but instead they but a repossion on my account and didnt update the account balance from when i voulnteered to return the car which in return has been negative reflecting my credit report.
Product: Debt collection

I believe the charge-off is inaccurate due to the inconsistency in the dates and balances across the Following XXXX bureaus XXXX XXXX XXXX XXXX XXXX XXXX in accordance with FCRA specifically Section 623 ( 15 U.S.C 1681s-2 Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$1500.00} {$1500.00} {$1500.00} No. of Months ( terms ) : XXXX XXXX XXXX High Credit : {$1500.00} {$0.00} {$1300.00} Credit Limit : {$1300.00} {$1300.00} {$0.00} Past Due : {$1500.00} {$1500.00} {$1500.00} Payment Status : Collection/Chargeoff Collection/Chargeoff Collection/Chargeoff Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Comments : Charged off as bad debt Dispute resolved; reported by grantor Account was in dispute - now resolved - reported by subscriber. 
Unpaid balance reported as a loss by the credit grantor. 
**CONSUMER STATEMENT** ITEM IN DISPUTE BY CONSUMER Consumer disputes- reinvestigation in progress Consumer disputes this account information Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Yet It Still Appears On My Credit Report Pass The Statue Of Limitations I kindly ask that this entry be removed from my credit report. Additionally, please update me on the outcome of your within 30 days as mandated by the FCRA.