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

I have a bank account with Chase and a fraudulent check for {$600.00} went through my account on XXXX. The signature on the fraudulent check does not match in any way to mine, and Chase just let this check go through. I have downloaded a copy of the fraudulent check for my records and can submit it to CFPB if need be. I have tried to reach Chase in XXXX of XX/XX/XXXXand they have asked me to walk into their branch. And they have also closed my account without asking or informing me. I have been out of the Us for two years, and now that I am back in the US I went in and have submitted a complaint with a Chase bank on XXXX, and have not heard back from them since then. 
I have called Chase banks customer claims department on XXXX to ask for a status and they have asked me to go their physical bank location. I did go to their physical bank location and have been instructed to call their customer claims department. So I feel like they are sending me in circles. 
It raises an alarm that a big bank like Chase would let checks that have unmatched signatures pass through their system. Customers should feel unsafe banking with them.
Product: Credit card or prepaid card

Bank of America has a Military Benefits Unit to help process SCRA benefits requests and I called them on XX/XX/XXXX for my initial request. I was sent the link to submit their on line request form for SCRA benefits and received a case management number of XXXX. I was emailed on the following dates to provide additional documents : XX/XX/XXXX and asked to call which I did, XX/XX/XXXX four emails to provide additional information and I provided, XX/XX/XXXX two emails for additional information and one to call them and I complied with all requests, XX/XX/XXXX three emails for additional information which I provided, and XX/XX/XXXX was an email to say the they were reviewing documents. 
I received a letter for case management number XXXX and a as of date of XX/XX/XXXX on XX/XX/XXXX that my request had be disapproved, because they were unable to locate an account under my name. Received a second letter for case management number XXXX and as of date of XX/XX/XXXX on XX/XX/XXXX that my request was approved. I called on XX/XX/XXXX to get a status update and they were unable to provide one. They were not able to verify if I was approved or if I would receive a refund. I was told to wait on written correspondence. I have not received any additional correspondence as of todays date XX/XX/XXXX. 
The process has been frustrating, because I sent the same information multiple times to the secure email they provided. It is also frustrating that they can not provide an update on the status and/or refund when I contact them by phone. I also had to explain multiple times that the account had been closed in XX/XX/XXXX, but I provided them with the date the account was opened and the full account number each time.
Product: Payday loan, title loan, or personal loan

Took a loan out with Lendmark, inc. I decided to take the loan and several other bills and consolidate them together for one payment. The company used for consolidation is XXXX. Everything is set up, signed and first payment made to XXXX. In return Century contacts creditors about this new arrangement. Lendmark Financial was told of this consolidation but continuously calls myself, friends and family members all day long five days a week. Lendmark even sent an email to Human Resources at my place of employment, and the email stated they found the email address on a website. They DID NOT have permission to ever contact my place of employment. I do have a copy of the email. They usually call from their office in XXXX, MD, but recently have been calling from several other numbers. This is harassment and it needs to stop.
Product: Mortgage

I obtained a mortgage from Flagstar 3 years ago. We were initially told our PMI would be waived after 2 years, we are now in the final stages of the PMI waiver process. Our account has met all of the requirements, we just needed confirmation with a BPO that our home value has not decreased in the past 3 years. 

We had a BPO conducted in XX/XX/2017 and that BPO was facilitated by XXXX using a local broker that specializes in foreclosures. My concern about using brokers that specialize in foreclosures is that this will likely result in a lower assessment of a home, since they are basing their assessment on an home that has not been cared for and are in financial crisis. When our BPO came back, they had indicated that the value of our home had decreased by $ XXXX in 3 years. Considering that we had recently completed a remodel of over $ 100k and live in an area that was a hot real estate market, I was pretty confused. When I reviewed the BPO data, it was clear that they had based their assessment on false data. They compared our home to homes with few bedrooms, bathrooms, garage spaces, square footage, etc ... After bringing this to Flagstars attention, the broker updated the BPO and was still showing a decrease in value of $ XXXX. 

We provided properties that were an exact match to ours that were selling for well over what our original appraisal was. Over the last 7 months, I have made numerous phone calls, sent multiple letters and still have no resolution as to why the 3 properties I provided are not being used for the BPO. The only response I have been given is that the properties had been remodeled. 

Flagstar has access to all of the data. Pictures of our remodel. A written description from the Broker that completed the BPO indicated that we had our home remodeled with VERY EXPENSIVE upgrades. Flagstar also has the data referencing the amount of money we spent on our remodel since we used them for our loan. They also have our property tax information from the last 3 years showing our escrow continues to increase to pay our increasing property taxes because the home value continues to increase each year. Yet, Flagstar, XXXX and XXXX XXXX are unwilling to revise the BPO or provide any explanation as to why our home would not be comparable to the properties provided. Flagstar also appears unwilling to review and leverage all the data points they have that would clearly indicate our home has not decreased in value in order to waive the PMI.
Product: Debt collection

Around XX/XX/XXXX we were residing at XXXX XXXX XXXX, owned by XXXX XXXX. During this time our apartment had begun to leak large amounts of water when it rained. Eventually it resulted in us having to call the fire department. This problem was never resolved. After repeated contacts to a XXXX XXXX who did eventually offer us another sub par unit, we moved out. XXXX  is now over a year later attempting to seek money for their flooded unit, using deceptive and dishonest methods. Just yesterday XX/XX/XXXX A Mars 's Inc here in XXXX contacted us trying to collect XXXX, I then called XXXX, and spoke to a XXXX XXXX. She informed me the fees were for cleaning, breaking our lease, and so fourth. She later had to call back because she discovered what I had previously claimed was true. So she now has informed Mars Inc that we allegedly owe {$360.00}. XXXX XXXX according to XXXX XXXX has left the company, and no longer works for XXXX XXXX XXXX. However I am very careful to keep all Emails and Pictures, including the one where XXXX XXXX offered us another unit, and all the emails where she talks about having the roof professionally fixed, but never did. I can't express how disgraceful XXXX XXXX XXXX and XXXX XXXX actions are, we are under no obligation to rent from XXXX XXXX XXXX and had discussed moving multiple times, it is clear that Mars Inc has been hired out of retaliation after XXXX XXXX left, because XXXX is mad that we left.
Product: Debt collection

Received a letter dated XX/XX/23 signed by Attorneys for Midland Credit Management , Inc. indicating a debt of {$9200.00} to be collected. I have no such debt and the attached documentation does not specify the original creditor, except at the top the letter : XXXX XXXX XXXX. I have never done business nor have had accounts with this institution. 

This is a fraudulent attempt to collect money.
Product: Checking or savings account

My money was taken out of an ATM belonging to XXXX. They told me I needed to contact my checking company who I use my debit card with which is Skrill. The ATM acted like it dispensed my money and then gave me nothing didn't even open the drawer {$200.00} was lost I've been asking Skrill to file this claim so that XXXX XXXX can initiate an audit but they have yet to respond to me even by email I've asked them to file this and they have not responded.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : Account : XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Money transfer, virtual currency, or money service

I was contacted via email with an acount with XXXX I use to have an account with them but they closed it. I am not sure why this was contacted to me but the person assumes that the money and account is mine and they are trying to resolve my finicncla needs from entitlement.
Product: Money transfer, virtual currency, or money service

Paypal was going swell for a moment until they limited my account an put a hold on my funds for no apparent reason I had to send them all my personal information and I feel very much embarrassed
Product: Credit reporting, credit repair services, or other personal consumer reports

My bankrupcty was dismiss XX/XX/2016 all creditors were paid by me XXXX removed this from my report. I am disputing this again. it should be removed since it was cancelled and creditors paid
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX Owed : {$240.00}, XXXX XXXX Balance XXXX : {$0.00}, XXXX XXXX Balance Owed : {$3100.00}, XXXX XXXX Balance Owed : {$4100.00} XXXX XXXX XXXX Balance Owed : {$3700.00}, XXXX XXXX INT XXXX Balance Owed : {$21000.00}, XXXX XXXX  XXXX XXXX XXXX XXXXXXXX Balance Owed : {$100.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting

I 'm a victim of identity theft as a result of this there were some inquiries made without my knowledge or consent, i have sent out numerous letters to Transunion with supporting documents, they are ignoring me and they still have n't removed these items that clearly do not belong to me, this is very frustrating and disappointing and I need help to remove these inaccurate items, i 'm attaching the letter that i sent out to the bureaus
Product: Student loan

It was very difficult to pay my loan due to hardship times and when I would call they would not work with me at all. All they would say is " we would garnish your wages ''. So now I had no choice but to dip into my XXXX to pay my loan off with sallie mae.
Product: Credit reporting or other personal consumer reports

RE : XXXX  BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of XXXX. The information listed below, that is currently listed on my credit report is a result of that trafficking. 

PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT.

PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF XXXX  IN PERSONS OR XXXX XXXX. IF THE CONSUMER HAS PROVIDED XXXX  DOCUMENTATION TO THE CONSUMER BILLING CODE : 4810-AM-P BUREAU OF CONSUMER FINANCIAL PROTECTION 12 CFR PART 1022 [ DOCKET NO. CFPB-2022-0023 ] RIN 3170-AB12 PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF XXXX  XXXX  ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TO THIS MATTER!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I sent the necessary documents in FEDERAL TRADE COMMISSION or https : //www.ftc.gov, So I am here to notify/complain to you directly through this platform. Here are the items that are erroneous in my file and need investigation XXXX XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXXXXXX XXXX XXXX CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX Original creditor : XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX Balance : {$2300.00} XXXX XXXX XXXX XXXX Balance : {$1200.00} XXXX XXXX XXXX XXXX XXXX Balance : {$2500.00}, XXXX XXXX  Inquired on XX/XX/XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXXXXXX XXXX  XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX, XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXXXXXX XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX, Inquired on XX/XX/XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX, XXXX Inquired on XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is failing to comply with FCRA Sections 605B and is also in breach of Sections 616 & 617 for willfully non-complying and neglecting to adhere to the rules and laws of the FCRA. I have submitted 4 complaints informing Experian that I was a victim of identity theft. Experian is failing to block or remove the accounts from my report. I followed their guidelines. I filed a report on the FTC website, I specified how the identity theft took place, that I did not benefit or receive goods or services from the alleged accounts, I validated the identity theft with a federal law enforcement agency ( which they're claiming I haven't ), I submitted the identity theft reports, provided a report circle the fraudulent accounts, an affidavit from the FTC website & provide a photo ID for their records. Experian has claimed the accounts listed below have been verified and are accurate. I'm truly confused by their antics/tactics on how to report this issue but they are ignoring this dispute and failing to comply with the rules set forth in the FCRA. I need them to be held accountable & have the following accounts blocked/removed : XXXXXXXX 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 XXXXXXXX
Product: Credit reporting or other personal consumer reports

Ive found unauthorized hard inquiries on my report, which shouldnt be there under 15 USC 1681b ( c ) ( 2 ). These entries are harming my credit. Please delete them.
Product: Credit card

Opened a line with SYNCB/CARE CREDIT to pay for a huge XXXX  bill that was XXXX XXXX. The credit line was first opened in XXXX  2024. Originally the limit was lower but I paid it off completely and needed to use it for another bill. This is when I took out the {$6500.00} once approved. I have made payments XXXX XXXX on time and even with extensive procedures needing more than {$6500.00}, I have brought the balance for Carecredit down to {$5500.00}, making it XXXX XXXX  of my accounts limit. I finally made it to XXXX credit score and now I got a mail from Synchrony saying that they are lowering my credit line to {$5500.00} due to " XXXX XXXX XXXX XXXX XXXX XXXX XXXX " " Average Time Since Accounts Opened Is Too Recent '' " Average Time Since Revolving Accounts Opened Is Too Recent " " Too High Proportion Of Accounts Recently Opened '' I also have an account with Synchrony and that is my Paypal credit that is longstanding, I have a {$2000.00} credit and use about XXXX XXXX of the credit, yet I have made payments ALSO XXXX XXXX on time. 

Synchrony is TRYING TO XXXX XXXX XXXX DESPITE XXXX XXXX PERFECT PAYMENTS ON TIME. They are LITERALLY KEEPING ME FROM getting better interest rates out of reach for an even longer amount of time! In the future, this decision from Synchrony will literally directly affect my interest rates and cause unnecessary financial harm to me with none of it being my fault. 

Synchrony you are a XXXX XXXX XXXX, stop trying to XXXX XXXX XXXX, this is so unjust. After I pay this off I will make sure I will never own a line of credit with you guys again regardless of how much it hurts to close an account. XXXX XXXX, you guys are messing with me on purpose. 

You literally lower my credit line with NO WARNING and you do it to XXXX bucks above the balance, you ARE DOING THIS ON PURPOSE. Synchrony is a bunch of XXXX  This is an unjust reason to lower my credit line. I have XXXX XXXX payment history. Do not try to XXXX with my credit utilization and prevent me from getting better interest rates.
Product: Credit card or prepaid card

This bank is crazy and their verification process I have a fraud alert which their supposed to just call me and verify but they made me go to a branch to process 3 applications I submitted they refuse to Approved me give me a hard Time even after sending them the required documentation they requested Im denied credit my reflect card active cash and bilt XXXX are all on hold this is not fair it shouldnt take weeks for approval they also denied me my XXXX XXXX  application they are treating me horrible
Product: Debt collection

The Legal representatives of PORTFILIO RECOVERY ASSOCIATES - account number XXXX, ( i.e., XXXX XXXX XXXX - Attorney Code XXXX - XXXX, et al. ) ; files a XXXX XXXX action suit against me as the claimant, in XXXX XXXX, Alabama - Case # XXXX. The small claims states that their " records indicate that we purchased this XXXX XXXX credit account on XX/XX/2022 when the outstanding balance was {$720.00}. The problem with this false statement is that XXXX XXXX  had already resolved this matter as a matter of Identity theft and fraudulent activity. Therefore, the outstanding balance was then written off as a lost. I verbal and written statement was provided to the fraud department of XXXX XXXX  prior to any statement of collection by PORTIFILIO RECOVERY ASSOCIATES, and that information was then reiterated. In accordance with the Federal Trade Commission says youre not responsible to pay for charges or withdrawals made without your permission if they happen after you report the loss. Yet, PORTIFILIO RECOVERY ASSOCIATES, and their legal representatives still continue to make collection attempts. How do I stop this harassment?
Product: Student loan

Today Navient called me and hung up. 

I have demanded twice already to be removed from their database, only to be told that there is not a do-not-call list. 
I 've had the same experience with XXXX XXXXXXXX. 
I do not even have a student loan!! 

There is no reason for them to harass me. 

Rules and Regulations Implementing the Telemarketing and Consumer Fraud and Abuse Prevention Act 16 C.F.R 310.4 ( b ) ( iii ) ( A ) prohibits calling anybody who has previously asked not to be called.
Product: Checking or savings account

On XX/XX/year> I used an ATM. This ATM was down and not connected to the internet, so I received a receipt from the ATM that said at the bottom " TRANSACTION NOT APPROVED '' and " Bank Unavailable. '' As well as stating that {$0.00} had been dispensed. Despite this, Chime debited my account for the money I requested but never received. When I made a dispute claim, I included a picture of the receipt with my claim. It was immediately denied within the hour. I called the disputes department asking why it was denied and requested it be reopened. They claimed that they would send me documentation on why it was denied, which they never sent. Shortly after the phone call where I asked why they denied my claim, they sent me an emailing stating they would be closing my account. On XX/XX/year> my account was closed, despite there being no reason for it, as I had not violated any policy. I called several times asking for the reason why my account was closed and they refused to cite any policy. They hung up on me several times in my search for this information. Then on XX/XX/year> I received an email from the Chime Disputes Department stating that the dispute I made on XX/XX/year> had been reviewed and that an error had in fact occurred and I should have, in fact, not been charged. So I called back asking if they were going to reopen my account since the dispute has been found to be accurate. They refused. They continually hung up on me as I continued to call and ask for a policy cited for why my account was closed in the first place. They have refused to give me any information or to assist me in any way.
Product: Checking or savings account

It seems wells fargo had extended my closed bank account & was grosly overdrafting my account & over charging for over draws I've already resolved this issue but it's on credit report
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or XXXX XXXX XXXXXXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
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 XXXX XXXXXX/XX/year> According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.