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

I was on vacation in XXXX. JP Morgan Chase bank closed XXXX of my bank accounts Their excuse was that I disputed XXXX charges which were valid and gave me no notice. Currently there was {$2500.00} dollars in XXXX account. I spoke with their fraud department and they gave me the XXXX to goto the branch and cut me a check, but when going to the branch the branch XXXX won't give me the cash because he needs an override even though their fraud/escalaton department gave the green light. They're playing games and I just want the cash that's owed to me. I didn't break any banking rules and just want my cash.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 9th 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 alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MI XXXX
Product: Mortgage

SPS Servicer for XXXX XXXX  Note Holder Since XXXX, I've been in the process of a modification for a loan as well as the assumption of the loan per court order in a divorce settlement. Over the past actually nine years, I've been trying to do the modification process. 

Within this process of review, they filed a foreclosure during a dispute. The dispute was filed in XX/XX/XXXX, and they filed a foreclosure in XXXX of XXXX while it was under review. I received a letter stating that there would be no legal actions taken against me, but there was. 

Then COVID happened which put things behind for a couple of years. And here we are in XXXX where I have consistently supplied all the documents they have requested. And each and every time I get a letter of a completed package, it never fails that a week later they say something's missing. And the same item that's missing they say is an income statement or profit and loss statement or a W2 or a paycheck stub. 

I have several emails showing that things have been received. I've attached a sample letter of the most recent situation on XX/XX/XXXX where my package was completed and sure enough a week later they said that a paycheck stub was missing. I have submitted paycheck stubs and profit and loss statements as far back as XXXX beyond the three months that they're asking for. 

This has been a grueling process for the past seven years and no one should have to go through this. I applied for loan forgiveness, for the arrearages, and asked for fees to be waived because they are accumulating while I am in the mod/assumption process. The foreclosure sale also keeps getting rescheduled and then canceled. 

All I want to do was addressed the arrearages that were left to me in the divorce and pay my mortgage. 

My best contact phone number is XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX
Product: Credit card

On XX/XX/XXXX, I called into Capital One call center to file a dispute for a charge of XXXX for a service I did not receive back in XX/XX/XXXX for car repairs. I spoke with a representative about this matter, and I inquired if it was too far out to dispute a charge like this, and she informed me that she will process the dispute and that everything should be approved. I received a credit to my account on XX/XX/XXXX for the XXXX. Several weeks went by and I thought everything was fine until I received a notification on XX/XX/XXXX that my dispute was denied due to the time that has passed and that I technically only had 60 days to dispute a charge. I called back in on XX/XX/XXXX and immediately asked for a supervisor, but was told all I had to do was send in documents so the dispute team can review these documents. I sent them in, and didn't receive a notification that they where received. I called back in for the XXXX time to Capital One call center, and asked for a manager. I was then told by the manager that there was nothing she could do and that they are not responsible for the outcome. I was told by the manager that I actually had 180 days to submit a dispute, so I kept getting different answers from different sources.
Product: Debt collection

XX/XX/2019 - late payment. XXXX from Avid acceptance called my job. I'm not allowed to have personal calls. I told her I'm not allowed to have personal calls. She tried to become aggressive with me before I could hang up. 

XX/XX/2019 - late payment. XXXX called my parents, and my parents told XXXX to stop calling them. 

XX/XX/2019 : late payment : XXXX called my office again. My office extension is broken, so I wasn't able to pick it up. So, my receptionist paged me. I wasn't able to get the call in time before the person hung up. About thirty seconds later, my cell phone rings. It's XXXX from Avid Acceptance. I asked her if she called my office, and she said yes. I told her to stop calling me, again. She then became  verbally angry and yelled at me " WHEN ARE YOU GOING TO MAKE YOUR NEXT PAYMENT?! '' Then, I hung up and created this complaint.
Product: Credit reporting or other personal consumer reports

On my Experian report, It shows that I was late on the Real estate loan payment ( the very XXXX payment back in XXXX of XXXX  ). I was never late on the payment and it was supposed to have been corrected of the issue but it was never corrected.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2017 I contacted XXXX XXXX XXXX XXXX via telephone asking them to remove a credit card account listed on my report that does not belong to me. The balance on this account is {$3500.00} with a limit of {$4000.00}. I was added as an authorized user without my knowledge. This account does not belong to me. 

The response I received stated that they were unable to remove the account so it is now listed on my credit report. The act of not removing this account from my credit report has caused unjust credit determinations and has lowered my overall credit score. I am requesting that this account be immediately deleted from my credit report.
Product: Debt collection

XX/XX/2019, {$2000.00} charged off accounts with XXXX balance and 1099 sent to irs, now changed XXXX ( old account owner to charge off when at the time it was not a charge off just a transfer to new company XXXX XXXX now they are double posting, restated that it was a new debt and changing information to ruin my credit. This is an old debt as well. I want the capone/bestbuy transferred account removed from my credit as you can not double post the same debt. They are also reporting that it is a current credit card with balances suddenly. Transunion is constantly down and not allowing reporting these errors and previous transunion credit fixes stayed pending.
Product: Credit card or prepaid card

On XX/XX/2022, I called U.S. Bank to see why they locked my account. They said that I need to go into the branch that I opened the account. I was living in XXXXXXXX XXXX  at the time I opened the account. However, I opened it online so there wasnt really a branch. Anyway, they tell me I need to come to a branch so they can talk to me in person. Thats not impossible in my current condition. So I told the person to close my account and send me the funds. She said they cant do that. They make it impossible to do anything when youre XXXX  and XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a formal notice that you have failed to respond in a timely manner to my dispute letters of XX/XX/XXXX & XX/XX/XXXX, deposited by mail with the U.S. Postal Service on that date. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. You have failed to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ). 
I had maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC for your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. XXXX XXXX XXXX ), you may be liable for your willful non-compliance.

You exceeded your investigation and this need to be cured immediately. The attached item is entirely inaccurate and incomplete and represents a very serious error in your reporting. Please delete this misleading information. Under federal law you had thirty ( 30 ) days to complete your investigation, yet you have failed to respond. Do not delay any further.
Product: Mortgage

TD Bank birching signed agreement from the first billing cycle and don't honoring promised discounts. I wasn't aware on actual prime rate published in XXXX XXXX XXXX on or before XX/XX/XXXX. XXXX  I was believed that TD bank and their employees are honest and respectful to own costumers. 
Unfortunately, it wasn't the case. After reading in major medias about prime rate changes and published rate on XXXX XXXX XXXX I find out that TD bank employees were lying and TD bank was over charging my equity line of credit account from day one for additional 0.25 % gaining substantial amount of money during the period from XX/XX/XXXX until now. 
I challenged extra charge on my equity account with TD bank representatives, unfortunately there wasn't understanding and honest approach to correct extra charge on my account. 
With this letter I'm enclosing you fallowing : 1. Copy of HOLOC agreement and disclosure statement. 
Please read page # 2, clausal # 6, explaining 0.50 % discount from published prime rate in XXXX XXXX XXXX. According to XXXX XXXX XXXX published prime rate on XX/XX/2015 was 3.25 % Please see attached copy chart from XXXX XXXXXXXX XXXX prime rate changes. 
Please Read clausal # 7 explaining Relationship discount of 0.25 %. Relationship was established on XX/XX/2015 by opening checking account and this account is active and in good standing. 
According to the agreement my starting calculating rate on balances should be 3.25 minus discounts 0.75 equal 2.5 %. Unfortunately, TD was charging 2.75 % which is higher for 0.25 %. Looking further in every rate change my account is overcharged for 0.25 %. 

2. Copies of TD bank statement : Please see attached statements showing each time when prime rate was changed and published. 
Please compare publish rate and statements which showing discrepancy for 0.25 in every rate change. 
3. Copy of XXXX XXXX XXXX chart for published prime rate change.
Product: Debt collection

I have sent several letters to letters to the Midland company in regards to said debts owed it's owed and for them to validate which they refuse to acknowledge and keep sending an automatic one page statement. This is not proper communication or collection methods.
Product: Debt collection

I received a collection notice from Transworld dated XXXX XXXX claiming I had not paid custom fees for a XXXX shipment. However, I had paid those fees to XXXX on XXXX XXXX with my credit card. After being contacted by phone by Transworld, I let the representative know that the payment had already been made. I was instructed to email her the proof of that payment ( credit card statement ), which I did as we were talking on the phone. I remained on the line until she confirmed that received the email. She told me that was sufficient. However, I received another collection notice dated XXXX XXXX. I do not have any outstanding debt towards XXXX therefore this behavior from Transworld is unjustified and I am feeling harassed, not to speak of the time it takes to deal with them every time I receive a notice to avoid any negative impact on my credit history. Thank you for your assistance in resolving this matter and ensuring that Transworld does not treat other consumers in this manner.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX Date of Inquiry XX/XX/XXXX XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX XXXXXXXX XXXX  Date of Inquiry XX/XX/XXXX XXXX XXXX Date of Inquiry XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX Date of Inquiry XX/XX/XXXX  & XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX
Product: Student loan

My loan forgiveness is not being honored. The payment count is not accurate and some of my loans are from schools that took advantage and were misleading in marketing.
Product: Money transfer, virtual currency, or money service

In XX/XX/2023, PayPal randomly " permanently limited '' my account ( XXXX ID - XXXX ). I tried to close my account, and PayPal is preventing me from closing the account. I also tried to delete my financial information, and PayPal is also preventing me from doing that ( credit card and checking account information ). I do not wish for PayPal to hold my financial information against my will, especially since PayPal has access to my banking accounts.
Product: Credit card or prepaid card

In early XXXX, my properly set up automated credit card payment didn't process with Barclay Bank Cards. They  couldn't explain why, and billed me for a late charge and a double payment of {$200.00}. I called and allowed them to take that double payment and got them to reverse the late charge. 

I double-checked my automated payment setup and found it not in effect, so set it up again for $ XXXX/month 5 days before due date. Today, XX/XX/XXXX, when I didn't owe any payment at all, they collected {$200.00} out of my bank account. 

I called, and was told that there was nothing they could do, as I had apparently authorized it ... NOT IN THE LEAST TRUE!. I also hate talking to someone in a foreign country, never able to reach a supervisor. Now I have no idea how they'll hit me again or when. I paid {$410.00} in XX/XX/XXXX for an account with a minimum payment of {$96.00}!! 

I want the payment reversed. They are non-responsive and ripping off their customers. My plan is to transfer the balance and close the account, but can't do so yet.
Product: Credit reporting or other personal consumer reports

I got an email concerning a loan. Saying I was denied. I never applied for this. When I called the company the dob was different. As well as the ss number. I checked my credit report equifax not XXXX and my former name was applied above My present married name.also the address XXXX XXXX was listed I have never lived there. This email came on the friday.today I notice in my email asking for confirmation using my previous name of XXXX XXXX. For a different company. My legal name is XXXX. XXXX. I called the credit agency and they are asking for my zip then my ss number I am not giving this over the phone to an unknown. This is a recording asking for this info. Is this customary not a good practice at all. I am very uncomfortable about giving out my info. I want a fraud alert on my credit report do not know how to do this. Would like some guidance. My name is XXXX XXXX XXXX hope to hear from someone soon
Product: Credit reporting, credit repair services, or other personal consumer reports

Im not liable with XXXX. i do not have contact withI.I.C. SYSTEM, INC they did not provide me with the original contract as i requested. 



Im not liable with XXXX XXXX XXXXXXXX XXXX. i do not have contact withI.XXXX XXXX XXXX they did not provide me with the original contract as i requested.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion is allowing XXXX XXXX XXXX XXXX to fraudulently report 1 collection account as 3 accounts. I have 1 collection account with XXXX for the amount of {$990.00}. XXXX XXXX XXXX XXXX is reporting that 1 account as 3 separate accounts. I made a dispute with TransUnion and provided documentation showing that I only had one account. TransUnion did nothing at all but update the information as accurate. TransUnion is allowing fraudulent reporting to continue. 

The 3 collections listed by XXXX XXXX XXXX XXXX have the same account number, same original creditor, and same date for placed in the collection. This is all because it's one account with 3 charges
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX, Consumer, dated on XX/XX/2022, am aware that XXXX XXXX XXXX XXXX are in noncompliance with The GrammLeachBliley Act which can be fined up to {$100000.00}. 

I, XXXX XXXX, Consumer are also putting XXXX XXXX XXXX XXXX on notice as of XX/XX/2022 of Cease and Desist pursuant to Federal law 15 U.S. Code 1692c ( c ). 

Best regards.
Product: Credit card

I have a Chase credit card. I initially set it up for automatic payments of the minimum amount due. Chase contacted me telling me that they need to change my credit card account number and they sent me another card. Since then I have been belled for {$60.00} of late fees. This account was set up by myself for automatic payments but the payments stopped working. The amounts are {$25.00} in the XX/XX/XXXX cycle and {$35.00} in the XX/XX/XXXX cycle. I want to recover these fees and interest and also complain formally since this it the second time that they have done this since I have been a card holder.
Product: Student loan

Over the past several years the interest rate has continues to even though i have made payments and have good credit, the interest rate is always fluctuating and increasing ; it never decreases. I took this loan out over 10 years ago and still have barely been able to make a dent in it. Also I have not been able to get any forbearances of deferments because they only allow so many in the entirety of the loan. I am a single mother of XXXX, I have never been able to utilize the degree that I obtain when I went to school as the economy way very bad when I graduated still. I am also on XXXX at this time and on a fixed income and the company doesn't want to willingly work with me on lowering my monthly payments so that they are affordable without the interest rate going sky high.
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried a 7 day trial with Equifax to see why all my scores had different numbers on different sites. It said XXXX for 7-day trial, that day Equifax charged my XXXX card XXXX for three scores. I never accepted this fee or agreed to be charged.
Product: Payday loan, title loan, personal loan, or advance loan

I have been using SoLo as a XXXX ( i.e. XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). 
I have money in my SoLo wallet that I would like to use to fund loans on the platform. However, all my attempts at funding loans fail. I have therefore contacted the SoLo team several times ( XXXX days ago ; XXXX days ago ; XXXX days ago ; and today, XX/XX/year> ) to let them know there is a problem in the funding process, and try and find a solution. Every single time, they mentioned that they would create an escalation but that the Engineering team is currently experiencing a high volume of requests. 
Since my money can not be used to fund loans, I have attempted to withdraw it from my SoLo wallet to my bank account. What is the point to leave this money at SoLo if I am not allowed to use it? It turns out that my multiple withdrawal attempts have also failed. 
To summarize, SoLo is holding on my money and will not let me use it nor withdraw it.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX Owed : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX Balance : {$7300.00} XXXX XXXXXXXX Balance : {$1000.00} XXXX XXXX XXXX XXXX Balance : {$1000.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX XXXX ) XXXX XXXX : {$530.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Bankruptcy XXXX XXXX XXXXXXXX XXXX Balance : {$0.00}
Product: Credit card or prepaid card

I received a message in my email in box stating that I had placed an online purchase for a lap top computer in which I did not order. I called this telephone number that was in the email in XXXX to confirm that I did not place the order.After speaking to the individual on the phone, the process he was taking me through for some reason didn't sound right so I hung up the phone, because it felt as if I was being skammed in the process of trying to report a skam.Iwould appreciate if you could check or report that number up above as being a skammer
Product: Mortgage

Plaza Home Mortgage ( PHH ) still has not successfully paid property taxes on property from escrow account from a year ago!. Previous payment was not for correct amount and returned to Plaza as of XX/XX/2021 ( for the second time ). 

This is a follow up to complaint XXXX ( which was not completed satisfactorily nor successfully
Product: Debt collection

In 2016 My Wallet was stolen and my card was charged for multiple transactions resulting in a ton of fees. I reported to bank when it happened and they closed account and said they will forgive and transactions as i am supposed to be protected but it didnt happen. Its been 5 years and im still getting negative remarks to my credit! Last balance was paid on XXXX XXXX, 2016 the reported balance is {$950.00}. This is with Wells Fargo Bank.
Product: Credit reporting or other personal consumer reports

I dispute that account multiple times with TransUnion because that account been close since XXXX XXXX XXXX XXXX every time TransUnion came back saying the account is accurate and verified but when I checked on the original creator account that I have it showing that its a closed account.
Product: Credit reporting or other personal consumer reports

I am writing to have the following information removed from my credit file, the items that need deleted are going to be attached in a word document, I am a victim of identity theft. I have multiple accounts anf inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft to the federal Trade Commission and have enclosed copies of the report, I would like these items deleted from my credit report as soon as possible. ACCOUNTS : 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

I UPDATE MY CREDIT REPORT. THERE ARE SOME ACCOUNTS WHICH IS NEVER BELONG TO ME. THE INFORMATION IS NOT RELATED TO ANY TRANSACTIONS MADE BY ME. IT LOOKS LIKE SOMEONE HACKED MY PERSONAL INFORMATION. THESE ACCOUNTS ARE FROUD. IM SHOCKED HOW IT HAPPENED.