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

I lived in XXXX and drove to XXXX to opened a Chase checking account on XX/XX/XXXX.There is no Chase branch in XXXX, the nearest branch is in XXXX, which is 75 miles away from XXXX. 

Everything goes smoothly until XX/XX/XXXX, I received 2 mails at the same time. 
One is a requirement for XXXX form and SSN authorization. The first letter said that I have to offer these two files before XX/XX/XXXX, or my account will be closed. So I fax these two forms XX/XX/XXXX. 

The second mail told me my account has been closed since I did not offer these two forms. 

How ridiculous it is! The first mail is mailed by XX/XX/XXXX, and the second mail is mailed by XX/XX/XXXX. I received them at the same time. Although I have made efforts to follow instructions to prevent my account being closed, but Chase closed my account ( mail 2 ) before require forms ( mail 1 ) Chase made at least 2 mistakes. First, the banker did not let me fill XXXX form and did not take SSN authorization form, which later I found it at the files about this opened checking account, I have signed it but the banker did not bring, he just gave me will many other files. 

Second, Chase closed my account by mistake before the last date XX/XX/XXXX.  Although I tried to offer the missing forms, faxed them the next day, Chase refuse to reopen my checking account. 

I made many official complain by making phone calls to Chase, the stuffs did nothing but say sorry. They told me if I want I can drive back to XXXX and open a new checking account. I did nothing wrong, it is totally Chase 's mistake, why it is me to do all the thing? 

I spent a lot for the whole thing, including driving there to open account, making many calls to try to solve the problem, faxing the forms, but received nothing but sorry. My research sponsor was linked to the new Chase checking account, and it is late when I found this account was closed, so I have to change to another bank to receive it. This sponsor was about 1month later. 

This new open Chase checking account was with {$300.00} bonus for qualified direct deposit, so I can not receive it after the account closed. Is not willing pay {$300.00} the reason for closing my checking account? 
I tried to upload some images of relative files but failed.
Product: Credit reporting or other personal consumer reports

I am writing in response to the verified no-change letter I received regarding late accounts on my credit report. In accordance with your recommendation, I contacted the creditor requesting proof of the reported late payments. However, despite my efforts, the creditor failed to provide any valid documentation confirming that I was indeed late on those months. A copy of my letter to the creditor is attached for your reference. Given the absence of any evidence substantiating the late payments, it is clear that these entries are inaccurate and should not be included on my credit report. As per the Fair Credit Reporting Act ( FCRA ), if the creditor can not provide proof of the late accounts, they are not permitted to report them to the credit bureaus account XXXX XXXX XXXX XXXX Account # XXXX. Also TransUnion is reporting this account closed and XXXX says account opened, payment status with TransUnion says 90 days late and XXXX says 60 days late. Therefore, I request that you promptly remove these inaccurate late listings from my credit report or mark paid as agreed never late..Failure to do so would constitute a violation of the FCRA. Thank you for your attention to this matter. Sincerely, XXXX XXXX Enclosures
Product: Credit card or prepaid card

I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XXXX & XX/XX/XXXX and 30 days late as of XX/XX/XXXX. I am not sure how this happened. I have always paid on time and never been late. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me
Product: Credit card

My wife applied for a credit card with ToysRus XXXX weeks ago. She gave her social security number along with other demographic information. My wife signature for the credit card application was captured electronically at the store. I had nothing to deal with the credit card application and none of my information was given at the time of application or thereafter. The cashier at ToysRus informed my wife of credit approval and line of credit and when I asked him why my name is showing on the attached credit card approval-receipt ; his answer was because he attached my ToysRus reward card to my wife 's credit card. Two weeks later, a ToysRus credit card is mailed to our address with my name on as opposed to my wife. I contacted Synchrony Bank customer service ( the provider of ToysRus credit ) to inquire about the newly mailed card. Synchrony bank immediately denied any wrongdoing and informed that the card was mine and the application was run under my name. I informed Synchrony Bank that never at any instance I provided my social security number at ToysRus stores. Synchrony bank answer was to go back and resolve the issue with ToysRus store where the credit card was opened. The customer service representative also informed that ToysRus used my previous information from a former credit application from XXXX years ago. 
Regardless which of the entities ToysRus or Synchrony Bank is at fault, the true issue on hand is a credit card application was approved with improper signature, erroneous ownership and wrong social security number.
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you that I have been a victim of a data breach, which has led to the unauthorized use of my personal information. As a result, several fraudulent accounts and credit inquiries have been reported on my credit file without my knowledge or consent. In accordance with the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting that the following fraudulent accounts and inquiries be immediately blocked and permanently deleted from my credit report.

List of Fraudulent Accounts : 1. XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX  Date Opened : XX/XX/XXXXXXXX XXXX Balance : {$0.00} 2. XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX Date Opened : XX/XX/XXXXXXXX XXXX Balance : {$0.00} 3. XXXX XXXX XXXX XXXX Account Number : XXXX XXXX Date Opened : XX/XX/XXXX XXXX Balance : {$0.00} 4. XXXX  XXXX XXXX XXXX Account Number : XXXX XXXX Date Opened : XX/XX/XXXXXXXX XXXX Balance : {$0.00} 5. XXXX XXXX ( formerly Simple Finance ) XXXX Account Number : XXXXXXXX XXXX Date Opened : XX/XX/XXXX XXXX Balance : {$2000.00} Fraudulent Credit Inquiries : XXXX - Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX - Inquiry Date : XX/XX/XXXXXXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXXXXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXXXXXX XXXX XXXX Inquiry Date : XX/XX/XXXXXXXX XXXX XXXXXXXX - Inquiry Dates XXXX XX/XX/XXXX and XX/XX/XXXXXXXX XXXX XXXX  - Inquiry Date : XX/XX/XXXX
Product: Checking or savings account

Ally bank is not being honest at all I have verified all of my information and they told all the fraud reps to hang up the phone whenever I call something needs to be done if my account is restricted why is there funds removed from my account? I do not understand the response because I have verified my information and on XXXX the XXXX my account was restricted due to a check I deposited the check has cleared on XXXX the XXXX so there is no reason why my account is still restricted This company ally bank needs to be closed they discriminate and do not return my calls as they explained until this day they are still lying the investigator did not call me nor executive team I have no information nor a case number. They refused to let me speak with a fraud supervisor and ally bank reps tell me 4 different answers on all the calls if they spoke with me telling me they are ending my banking relationship and that a check will be issued then how have I not been identified? Then I called back and the next rep said my account is still being investigated. So therefore they are not being honest and somebody needs to see this so it will not happen to anyone else I know that XXXX and XXXX are two reps that hung up on me and repeatedly lied to me If they are being honest I would like for them to send theyre recordings of the phone calls we have had because I have identified my self several times I am even uploading the messages from the verification codes they have sent me to identify myself and the emails from when they said my restrictions have been lifted my voice pin has been changed and more restrictions have been put on my account that I have not used. Ally bank are all liars and they do not help their customers at all I get a different answer every time I call
Product: Debt collection

XXXX XXXX at Scott Coruthers Law Office in CA has called me numerous times about a debt we have no clue is about. Even after we have spoke he continues to call friends, family and other people I do business with saying he is XXXX XXXX from a law office and he is trying to collect a debt. I have prove of the correspondence. This cant be legal.
Product: Checking or savings account

I received an email on XX/XX/27 stating I opened an account with wellsfargo, later that day I received an email approving the account and then I received an email stating that the email address was changed. I contact wellsfargo because I havent had a bank account with them in the past XXXX years. I closed all my accounts with them. They told me they were going to freeze those accounts, I recently contacted XXXX as well to report this incident. They also used an old address that I used to live at 8 years ago XXXX XXXX XXXX XXXX, XXXX, NM XXXX
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 Balance : {$0.00} XXXX XXXX Balance : {$1500.00} XXXX XXXX  XXXX Balance : {$12000.00} XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  ; XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XXXX, NC XXXX ; XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Mortgage

In XXXX  my XXXX XXXX home foreclosed on a XXXX mortgage ( elac ) that was taken out from Wells Fargo. The property was sold by Trustee at public auction. The deed was transferred to highest bidder. Ever since then the first mortgage ( held by Wells Fargo ) was never taken over and still till this day is still in my name being paid by new owner. I have spoken to lawyers, Real Estate Agents, OCC, CFPB, and Wells Fargo as well to get this problem resurrected to no avail. These processes have taken countless hours over many years to try and resolve.
Product: Debt collection

I contacted the company in XXXX to get them off my credit ask to send proof of bill thu XXXX XXXX company then sends me bill from XXXX XXXX XXXXnvoice date was dated XX/XX/2019, saying I owe it on invoice there no address of referring doctor just say name of what I think is a XXXX office and 2nd floor there no street name that. Also they have not sent no document of me signing anything I will like them to get this off my credit. Also when I go on quest website there no record of it I also attached
Product: Payday loan, title loan, or personal loan

This company has been harrassing friends, family members and past employers. with fraudulent, ridiculous amounts owed on a title loan that was took out XX/XX/XXXX for the amount of {$2600.00} and with inflation and falsely reporting it's now saying owed is XXXX on all three credit bureaus, but this company reportedly closed and charged off {$2600.00}, they also charged off due to a national disaster. in another report. This company has fraudulent written all over it. XX/XX/XXXX this company hired an attorney to dispatch a processor to serve unknown papers to a past employer, this person came to the job serval times, and each time was rude and aggressive. with no luck at serving unknown documents the person threw the documents in the building and yelled you been served. This company is XXXX XXXX a.k.a wheels Financial XXXX.
Product: Mortgage

We purchased our primary home in 2007, with a hefty down payment. Right after the purchase of our primary residence, the bottom fell out of the market, and we were unable to sell or refinance. We have been working hard to make our payments for the last eight ( 8 ) years to keep our home in spite of our many troubles and have kept our credit score in the XXXX to XXXX range. 
Our loan is a " Pick-a-Payment '' loan which was previously under World Savings Bank, and was bought out by Wachovia just prior to our loan. We have been told that these loans are the reason why Wachovia Bank failed and was bought out by Wells Fargo. 
This loan allows us to make XXXX ( XXXX ) different payment amounts ( less than interest, interest only, standard 30 year P & I payment, or 15 year P & I payment ). We have been paying less than interest because that is all that we have been able to afford due to our other expenses. There was a court case that provided relief for delinquent borrowers, but did nothing for us, unless we were to stop paying our mortgage. 
Since we purchased our primary home, we have struggled to make the negative amortization payments, due to the many unexpected expenses and job losses that we have had. Our loan negative amortization payments have increased to almost double what they were originally due to the added mortgage interest to the loan amount. 
Our loan will go to standard full P & I payments in less than two ( 2 ) years, and we will surely fall into foreclosure. We are trying to be proactive, because we see the lights coming towards us in the tunnel, and foresee the train wreck that is about to occur. We want to preserve our good credit rating, as well as our most important assets, our home. 
We were denied a loan modification on our primary home under HAMP. We appealed due to how the monthly housing expense was calculated. We believe that Wells Fargo has incorrectly calculated our " monthly housing expense '' as {$3600.00}, and that it should be calculated as follows : Principle and interest payment on our first lien mortgage {$3900.00} Property taxes {$490.00} Hazard insurance premiums {$160.00} Escrow shortage payment {$1300.00} Homeowners Association Fee $ XXXX Monthly Housing Expense {$5900.00} According to the Wells Fargo letter, to qualify for a Tier 1 loan modification, we are required to have a monthly housing expense of equal to or more than 31 % of our monthly gross income of {$17000.00} which comes to {$5400.00} ( {$17000.00} XXXX {$5400.00} ). Our monthly housing expense is {$5900.00}. Thus, we do qualify under HAMP Tier 1, as we have a monthly housing expense of more than 31 % of our monthly gross income. Using the calculated monthly housing expense above, we have a monthly housing expense of 33.5 % ( $ XXXX {$17000.00} = 33.5 % ) of our monthly gross income.
Product: Credit card

I brought appliances from XXXX XXXX XXXX XXXX ... .and opened up a store credit card from them. They approved me and said I would get a card and Bill in the Mail. I never received the credit card but I received the bill around a week ago so I wrote a Check for {$350.00} and mailed it Certified. ( I want to pay the total bill off ASAP. ) So today I get a call from the bank that issued the card and they said I owed a payment. They had not received a payment. I told them they received the payment I had tracking and I asked to speak to their supervisor.I know they received the payment on XXXX/XXXX/16 because I was able to pull the Certified ( tracking ) information up from the Postal Website. I was not given a supervisor because these customer service agency was in XXXX.Annoyed now I told them I would file a complaint and I wanted my payment to be posted to by Bill ASAP. 
the Certified Mail # XXXX was received XXXX/XXXX/16 with a check for {$350.00}
Product: Credit reporting or other personal consumer reports

Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX, XXXX XXXX Dear XXXX, I am writing to formally file a complaint regarding unauthorized credit report pulls made by companies without my consent. On multiple occasions, I have noticed inquiries on my credit report that I did not authorize, which has raised significant concerns about my privacy and financial security. 
As you know, according to the Fair Credit Reporting Act ( FCRA ), businesses must have a permissible purpose to pull an individuals credit report. These companies did not have my consent, and I do not believe they had a legitimate reason to access my credit information. 

This unauthorized activity has caused me concern about the potential for identity theft or other misuse of my personal data. I kindly request that the CFPB investigate this issue and help ensure that the companies responsible are held accountable. 

Please confirm that my complaint has been received and let me know what actions will be taken to resolve this matter. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I checked my personal credit report, which I acquired from your organization on XX/XX/XXXX and I noticed that this unauthorized inquiry had been made : XXXX. XXXX XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX. XXXX  Date of inquiry : XX/XX/XXXX XXXX. XXXX Date of inquiry : XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX XX/XX/year> XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX Subject : Request for Account Blocking and Deletion Due to Data Breach Dear Equifax Team XXXX I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent Equifax Data Breach . **Accounts in Question : ** XXXX XXXX # XXXX {$0.00} Personal Information : -Name : XXXX XXXX XXXXAddresses XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX -Social Security Number : XXXX -Date of Birth : XX/XX/year> This request is made in accordance with several provisions of the Fair Credit Reporting Act ( FCRA ) : 1. **15 USC 1681c-2 ( a ) ** : This statute requires consumer reporting agencies to block information resulting from identity theft. I request that all accounts fraudulently opened in my name be blocked immediately. 2. **15 USC 1681i** : Under this section, I am entitled to dispute and request the deletion of any inaccurate or unverifiable information on my credit report. Please investigate and delete any such information linked to this breach. 3. **15 USC 1681e ( b ) ** : This provision mandates that consumer reporting agencies maintain reasonable procedures to ensure the accuracy of information. Given the breach, I request a thorough review of my credit report to identify and rectify any inaccuracies. 4. **15 USC 1681g ( a ) ** : I request access to my complete consumer report, as I have the right to understand what information is being reported and to identify potential inaccuracies resulting from this breach. 5. **15 USC 1681m** : As required by this statute, please ensure that any negative information resulting from the breach is not reported inappropriately. 6. **15 USC 1681n** : I reserve the right to seek damages for any violations of the FCRA resulting from this breach, should you fail to comply with my requests. I've attached a list of hard inquires in question. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud Thank you for your prompt attention to this matter. I look forward to your immediate response in 4 days!
Product: Mortgage

I recently refinanced my home and closed on Thursday XXXX XXXX. I was supposed to receive fund disbursements following the closing and I've yet receive any funds. I have spoken to XXXX, XXXX XXXX XXXX  and Rocket Mortgage as they are the parties involved. I have attempted several calls with messages and sent emails to XXXX 's dispersement representative XXXX XXXX and He has not responded to my concerns. It is approaching 2 weeks and I have a mortgage due with the prior mortgage holder that has not been satisfied and paid from XXXX. I need a resolution ASAP as XXXX, XXXX XXXX  XXXX and Rocket Mortgage appears NOT to be concerned. Please help with getting a complete resolution regarding this matter..Thanks!
Product: Credit reporting or other personal consumer reports

This letter is being sent pursuant to the provisions of the Fair Credit Reporting Act, 15 U.S.C. 1681 et seq. 

This letter is in accordance with the Fair Credit Reporting Act ( FCRA ), which requires that all consumer information be accurate, complete, and verifiable. This Act also requires that all third-party credit reporting agencies ( CRAs ) investigate the accuracy of any information they receive from creditors, debt collectors, or other sources. As such, I am requesting that you investigate this information and remove it from my credit report if it can not be verified as accurate and/or complete. 


I am writing to dispute the following information that appears on my XXXX report from XX/XX/XXXX : XXXX XXXX XXXX XXXX Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$570.00}. I am a victim of identity theft and I never opened this account. 

XXXX Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. I am a victim of identity theft and I never opened this account. 

XXXX XXXX XXXX Charge account with account # XXXX opened on XX/XX/XXXX and a balance of {$50.00}. I am a victim of identity theft and I never opened this account. 

Collection account from NCB MANAGEMENT SERVICE with account # XXXX and a balance of {$3000.00}. The original creditor is XXXX $ XXXXXXXX XXXX Reported : XXXX XXXX, XXXX {$770.00} I am a victim of identity theft and I never opened this account.