23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

in XXXX I came to look at solutions for going back for my XXXX XXXX since I used chase for student loans in the past. They no longer had that service, so she directed me to credit cards. I had no job, but was getting rental assistance from my parents ( less than XXXX ). The employee was fixated on getting me approved, in spite of this lack of income. She stated this can be considered income, even though I had only a couple of months of the assistance left. I refused to put this on the application. Chase was using a pin pad to complete the app, which shut down in the middle of my application, and the employee stepped in to sort out the issue with it. I could see she had moved past a few screens and assured me these were simply prompts to get back on track. When Covid hit, I had trouble making payments, and when consulting with bankruptcy, they wanted to see my application since this did not make sense to them that I had been approved in the first place with such low income under the XXXX Ability to Pay rue that had been enacted before my card application. Chase would not give me an application copy. I called and called until they let it slip I was given conditional approval based on less than XXXX yr. The issue there is I did not input any income. Many attempts to resolve this are met with chase counting this as a duplicate complaint, in spite of new information emerging. They said they could not verify anything with the employee. Now, in XXXX, chase was being investigated for many kinds of fraud in mortgages, inflating income, credit cards etc. and I know they were up to the same at this branch. It was one of the busiest branches we had in the area. Today I have learned the branch that gave me the card was closed years ago, and in spite of me being a customer, I was given no notice! 

Chase Bank at XXXX XXXX XXXX XXXX, XXXX, OH XXXX was closed without first informing us. Banks are legally required to inform customers of a branch closing according to the Federal Deposit Insurance Corporation Improvement Act of XXXX. 

This is just another example of the lengths this bank will go through to cover up their issues. Even when during covid, we have plenty of documentation that their bankers were committing fraud to enrich themselves. My bank teller had incentive to gain an approval, because she said it she gets paid out on approved apps. 

I know they will mark this as a duplicate. I spoke to others who believe this bank needs closer inspection as they no doubt committed fraud in other areas within this branch.
Product: Credit reporting or other personal consumer reports

FCRA 605B appears to require the removal of any incorrect accounts from my credit report. Would you mind checking the documents? Some accounts are inaccurately reported, with errors in the amounts and dates.
Product: Mortgage

I did a modification with nationstar bank in XX/XX/2015. I made XXXX trial payments XXXX XXXX and XX/XX/2015. Modification was granted and filed end of XX/XX/2015. I made the XXXX XXXX & XXXX payment ( I have cancelled checks ) on XX/XX/2015 I received a notice I was in danger of foreclosure and was 3 months delinquent. I sent them cancelled checks and was told they had not closed the old mortgage & inadvertently applied these XXXX payments to the old mortgage and could not fix it. I went to HUD they refused to correct it. I mailed the XX/XX/2015 check and they returned the check and proceeded with foreclosure. After 4 years the case was dismissed They then refiled a new foreclosure, I never got a hearing, never got to speak. I was never in default with nationstar. Im going to now lose my home Ive lived in for 20 years. My mortgage was paid down to XXXX. I filed multiple new loan modification papers and was always willing to pay my mortgage but they never even responded to them. 
I dont understand how I can get a modification Pay every payment and they can take the money and foreclose.
Product: Credit reporting, credit repair services, or other personal consumer reports

Consumer Portfolio Service reported on my inquiry XX/XX/17 on XXXX and XXXX. I did not give authorization and did not apply to this creditor. I called the creditor and XXXX and XXXX to have it taken off my inquiry. No action was taken. 

XXXX XXXX was reported on my inquiry XX/XX/17 on XXXX and XXXX. Did not apply to this creditor nor authorization. Called XXXX and XXXX, plus the creditor to have them to remove it off of my inquiry no action was taken. 

XXXX XXXX was reported on my inquiry XX/XX/17 on XXXX. Did not apply to this creditor nor authorization. Called XXXX and XXXX XXXX to have it removed from my inquiry no action was taken.
Product: Credit reporting, credit repair services, or other personal consumer reports

my XXXX girlfriend and XXXX of her friends uesd my name i was in jail when they uesd my name i did a F.T.C fraud report and you can check the jail system and the video camera at the car dealer and she got credit cards and a account with XXXXXXXX XXXX i call the cops and the F T C please remove these accounts itss been over 90 days and its holding my life up from getting back on the right track im trying to open up a sober living and this info is stoping me i want to file a law suit
Product: Vehicle loan or lease

XXXX. I purchased my leased Kia K5 on XX/XX/2023 in the amount of {$26000.00} and have yet to receive my title after 30 days. 
XXXX. XX/XX/2023 called kia finance in regards to payment and was told that the milage statement was not received. Uploaded mileage statement again through kia portal. And was told I owe {$1200.00} dollars. This was not on any document and was not confirmed. 
XXXX. XX/XX/XXXX I have been told the lease has been paid in full but now a hold on my payment for the {$26000.00}. They also stated there is no way to communicate with any management team to find out my status of the situation. I will have to continue to call every 10 days to see if the work has been completed. No notes have been left after each call on my account. I have current calls recorded to protect me on receiving the title and any legal action.
Product: Money transfer, virtual currency, or money service

I always received a text from Zelle stating someone sent me money but when I check my account nothing is never there I would call Zelle but it was never much they can do neither have I received my money
Product: Checking or savings account

XX/XX/2023 I went to a Wells Fargo XXXX XXXX and I also reached out to the XXXX ( XXXX ) XXXX number. I had transactions on my card that weren't mine they were XXXX or XXXX transactions and the total of the purchases was in {$700.00} 's .They cancelled my debt card for I believe it is 1 year. I was told that they weren't going to refund me anything. Upon contacting Customer Service I was told that they could not do anything because the card was closed. 

This is an inappropriate way to handle the matter. This was the second time that fraud had occurred to me using my debit card. 

My original card was replaced and I noticed that money on the account wasn't what I should have. 

When I went to branch to discuss the matter the person was very unprofessional and treated me as if I were committing fraud. 

I explained that the funds we're not approved by me. That I was never notified as the bank used to verify purchases prior to paying for purchases.
Product: Debt collection

This account was opened in XXXX of 2008. In XXXX of 2008, I was XXXX years of age, unable to legally sign any contract, or incur any debt. I have repeatedly asked XXXX, as well as their Collection Agency, " LVNV Funding, AKA Resurgent Capital Services '' to delete this file, and report the deletion the the Credit Reporting Agencies and they refuse to delete the negative information. This is negatively affecting my credit, as well as potential employment.
Product: Checking or savings account

Bank of America closed my account within 30 days and I had a direct deposit going to their bank. They said a check that I submitted was fraudulent and I didn't know it was fraudulent, but they took upon themselves instead of letting me explain. And they told me that I could never apply for another account with them in the future. They also charged double on overdraft fees as well concerning the check that I submitted. But I wasn't given the time or chances to prove I did not know the check was fraudulent and I never had the chance to get my sign up bonus. I was hurt and disappointed about the choices they took against me.
Product: Credit reporting or other personal consumer reports

Request for Security Freeze on Credit Report Dear Sir/Maam : This letter is to formally request a security freeze on my credit report.

I am concerned about unauthorized access to my personal information and would like a security freeze placed to prevent potential creditors from obtaining it without my authorization. With a security freeze, a temporary PIN will be required for anyone to access my report. 
My personal information is as follows : Full Name : XXXX XXXX XXXX XXXX Birth : Date of Birth XXXX XXXXXX/XX/year> Social Security Number : SS # : XXXX Current Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX New York XXXX For verification purposes, I have enclosed photocopies of the following documents : Government-issued ID Proof of residence Please send instructions on how to obtain a PIN to temporarily lift the freeze in the future.

Thank you for your prompt attention to this matter. I look forward to confirmation of the security freeze on my credit report. 

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

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX has violated my rights. 

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. 

I sent dispute letter on XX/XX/2023, pertaining to discrepancies reported incorrectly and Equifax, XXXX and XXXX have yet to correct the following issues. Please I need help as this is affecting and holding me back from purchasing a new home. 

report # XXXX XXXX XXXX XXXX I have also sent them letters asking how the validated the information was correct and have yet to receive a response. 

I asked them to remove any names and addresses that are not associated with the documents I have attached for reference
Product: Credit reporting or other personal consumer reports

I am writing to address a matter of significant concern regarding my recent credit report. I have received a 1099-C for the following accounts : - XXXX - XXXX - XXXX According to IRS guidelines XXXX an unpaid charge-off is considered income. Additionally, the Fair Credit Reporting Act ( FCRA ) stipulates that income can not be reported on a credit report. After reviewing my most recent credit report, I have found that these accounts are still being reported.

This reporting appears to be in direct violation of the law, including 15 U.S. Code 1681. I respectfully request the immediate removal of these accounts from my credit report.

I appreciate your prompt attention to this matter and look forward to your swift resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

Last year I paid my debts. I started inXX/XX/XXXX. The first 2 were XXXX XXXX and XXXX. Since that date both were paid in full. XXXX XXXX   account number is XXXX. It was sold to XXXX XXXX XXXX. Their phone number is XXXX. It should say paid in full. It could be moved to the collections file as paid in full. I will include statements from all the accounts that need to be corrected. The next account is XXXX, account number is XXXX. This account was sold to XXXX XXXX XXXX. Their number is XXXX. It was paid in full also. On my credit report there are 2 accounts that are both the same. That is the XXXX and portfolio. 
The XXXX account number is XXXX it was paid in full on XX/XX/XXXX. I have also included a statement from XXXX stating that the account has been paid in full. 
The last account is XXXX XXXX XXXX account number is XXXX. It was paid in full on XX/XX/XXXX. I am including a copy of the paper that XXXX  XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The following hard inquiries currently listed on my Equifax, XXXX and XXXX XXXX credit report are all unauthorized and not my hard inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XXXX AND XXXX to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Debt collection

On XXXX XXXX, I contacted Hunter Warfield regarding alleged debt of {$380.00}. I wanted to take care of the alleged debt because item was affecting my credit score because its hurting my chances to buy my XXXX XXXX. I paid the alleged debt in full and have receipt to prove it which will be attached to this complaint. The customer service rep stated that once I paid alleged debt in full that they were going to fully remove negative information off my report.
Product: Debt collection

Portfolio Recovery is reporting as a Factoring Company on all of my credit reports. Factoring is done on current accounts, not those that are in default and have been sold off to a collection agency, which is what this company is. 
Since the company is reporting as a Factoring Company, I would like for Portfolio Recovery to prove that it factored the accounts while they were still current.
Product: Debt collection

I spoke with this debt collector. I offered to make payments on this collection. He refused to let me set up a payment plan. He said I must make payment in FULL. I can not make payment in full. So I submit this complaint regarding his statement. I offered to make payments and he refused. He is refusing to let me make payments. That being said, I should not have to pay this debt since he refused to let me make payments.
Product: Checking or savings account

This is my fourth attempt to resolve this issue. In XX/XX/XXXX, I used Bank of Americas online bill pay service to send a check to my church. The bank sent a paper check that never made it to the payee. Someone stole the check and took it to a Bank of America branch to either be cashed or deposited. Bank of America processed the check and paid this person using a fraudulent endorsement. 

This fraud was detected in XX/XX/XXXX when I received my XXXX  year end contribution letter and this one contribution was missing. Not counting the request for the check copy front and back, I opened a case with Bank of America in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

Bank of America allowed someone to steal from me and my church, and they will not make it right.
Product: Debt collection

Midland Credit harasses me by calling 2-4 times a day every day. I block their number and they just obtain new numbers to call me with. The debt they are trying to collect is over 10 years old. They call on weekends before XXXX and sometimes call 2-3 times in a row within seconds. That is harrasment and it is bothersome to my work day. I have pictures of call logs and of their calls and am considering legal action for harrasment.
Product: Bank account or service

I bank with Citizens Bank. I looked at my account and it showed that i had an available balance of {$9.00} and with citizens bank, anything you spend under {$5.00}, they do n't charge you a overdraft fee. So I spent {$7.00}, which brought my account balance to $ XXXX.Then I spent {$4.00}, which brought it to ( $ -XXXX ). Now this is how it exactly shows on my bank record and I can provide that if necessary. But they are saying that something else went through before the {$7.00} charge, so therefor I 'm getting charged a {$35.00} late fee?? NOW after there late fee just went through they know I have a {$10.00} charge coming through, so now I 'm going to get charged another {$35.00} late fee because of their {$35.00} over draft fee. Just to back up for a moment, I had deposited {$20.00} in my account because i had XXXX charges go through under {$5.00} and I knew I had that {$10.00} charge going through. So to me it 's a disgusting scam. I want to close my account out with this horrible bank but I have thing s going through, so I kind of stuck. 
the bank account I sent you does not show their {$35.00} fee, it shows they took it off but it does n't show the actual {$35.00} fee, so you will see my account is negative {$22.00} and some change but it wo n't show their {$35.00} fee in the ledger.
Product: Payday loan, title loan, or personal loan

I applied for a PPP loan with XXXX on XX/XX/21, I was approved by the XXXX on XX/XX/21, I signed loan docs on XX/XX/21. I have been asked to proved ID 3 times with no result of funding being released. I am unable to reach a person by phone or email and the chat bots are unhelpful.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received an forthright answer from XXXX XXXX about Loan no. XXXX AND AFTER PROVIDING ME THE LETTER DATED XX/XX/2021. That upon my call on or around last Friday to XXXX XXXX and 3-4 calls were told that the SSN and Identifiers information is my loan. Then were told to fax information and then were told " we have no information in the system on this loan '' Then around XXXX XXXX  called back and spoke to XXXX and given him my loan number then he confirmed by saying LET ME LOOK AT YOUR ACCOUNT. 

I held on 1 full hour without XXXX ever coming back on to the line. The I checked my email and at XXXX XX/XX/2021 I received an email from XXXX XXXX of XXXX XXXX and he said the exact, below, XXXX AND XXXX, Hi XXXX, This document explains that prop was purchased in name of another through XXXX XXXX. I would call XXXX  XXXX  as we no longer have anything to do with this loan. 

Thanks Please Request details of all this conducted in my name by XXXX XXXX.
Product: Credit card or prepaid card

I looked over my credit report today and seen some discrepancies and there is a charge of {$200.00} for a capitol one that began on XXXX XXXX the account number is XXXX.
Product: Student loan

I don't know if PHEAA is federal or private, but they just popped up on my credit reports on XXXX, 2021 with a massive debt. This account is not mine and needs to be removed.
Product: Payday loan

Yesterday morning XX/XX/2017 I received a harrassing call from a lady stating she was calling on a debt for Check into cash. She advised me I owed XXXX and wanted to know how I was going to take care of this debt. I advised that at this time I had No way of being able to make any type of payment on this account because I had been fired from my job while XXXX. She said that I needed to do something because they were going to take legal action against me. She then said what about your XXXX you own XXXX XXXX XXXX. I told her I had n't had that business for years. She then said I needed to call my father to get the money from him and that he also has a business called XXXX. I told her my father is in his XXXX 's and that he owns the home I live in and has been letting me go without paying rent because of my situation and that I would not call him to get the money to cover my debt. She mentioned him at least 3 times in the conversaton to cal and get the money from him. I was very upset at this time and told her again I would not contact him and again I had no money. Advised I could n't even pull my vehicle out of the garage becauseI had No gas.She said well I have no other alternative. I will let them no so they can proceed with the legal action. About 10 minutes after hanging up with her my Step mom called and said this lady had called them advising there was a claim against me and that they needed to help me with it. She brought upMy dads business to her as well and my step mother said he is retired and only keeps the license up for his self. The lady said she could n't disclose the full details of the amount needed on the claim but told my step mom to call me and give her permission to find out the claim details. My father is not in good health and this was very upsetting to both of them as well as it was upsetting to me. Neither of them were on my listed contacts an they should not have been notified and harrassed. I am in a hard situation right now because of my job letting me go and waiting on unemployment if approved. The phone numbers this lady called from was XXXX and gave my step mom this number to call her back on XXXX ext XXXX I called te lady back on the XXXX number and advised her she had upset my father and she had not better ever call them again. I also advised I was turning her in and she said to turn her into who ever I wanted she did nothing wrong. Bank was XXXX
Product: Checking or savings account

{$200.00} that I deposited when opening my account was either lost or stolen by XXXX XXXX XXXX, perhaps through money laundering. The supervisor was shockingly unable to even track or see the {$200.00} that was debited. There appears to be rampant fraud or shocking incompetence at TD Bank for they to have lost {$200.00} or cover up the theft of {$200.00}.
Product: Credit reporting or other personal consumer reports

Ive received my dispute results from XXXX and I noticed that they removed my positive account bearing the same account number as the negative ( XXXX )? Why not delete both? If one account is inaccurate/unverified, so is the other? Ive attached my account ( the only one I have ) from XXXX and XXXX showing that I only have one account and its positive! Ive also attached a copy of the denial letter I received due to the inaccurate and unverified reporting from XXXX. My ask is simple, please delete world finance co from my report? This account is damaging my credibility, reputation, and screaming defamation! Mistake happened, lets just fix it, thanks in advance!
Product: Credit reporting or other personal consumer reports

I was completely caught off guard this morning when I discovered inaccurate accounts listed on my credit report, and Im at a loss as to how this happened. I check my credit report regularly, but today I was shocked to find discrepancies that seemed to appear out of nowhere. I tried refreshing my browser, thinking it might be a glitch, but the errors stayed put. Because of this, Im requesting a thorough review of the documents Ive provided so I can move on and never have to worry about this again.