23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Please remove these 2 incorrect addresses off my credit reports immediately they are fraudulent and do not belong on my reports XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX # XXXX XXXX, NY XXXX This erroneous and fraudulent information is severely impacting my credit report and financial standing. I have made multiple attempts to resolve this issue by contacting both the credit bureaus and XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX directly. Unfortunately, these efforts have been futile as I was placed on hold for over 2 hours and received no substantive response or resolution. I request your immediate intervention to rectify this matter. The actions of XXXX XXXX XXXX XXXXXXXX and XXXX XXXX violate several federal laws, including : 1. **Fair Credit Reporting Act ( FCRA ), 15 U.S.C . 1681** : This law mandates that credit reporting agencies and furnishers of information ensure the accuracy and integrity of the information provided to credit bureaus. The erroneous debt reported by XXXX XXXXXXXX XXXX XXXXXXXX and XXXX XXXX violates this requirement. 2. **Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C . 1692** : This law prohibits debt collectors from using deceptive practices or attempting to collect debts that are not owed. The false claim by XXXX XXXX XXXX XXXXXXXX and XXXX XXXX constitutes a breach of this statute. I am requesting that the CFPB investigate this matter and take appropriate action to ensure that XXXX XXXX XXXX correct their records and remove this incorrect debt from my credit report. Additionally, I seek any remedies available under the law for the distress and inconvenience caused by this situation. Thank you for your prompt attention to this matter.
Product: Checking or savings account

In XX/XX/2023 I received an email from Capitol One that an account had been opened. I was unsure if this was a phishing email or not, so I did not click any of the links and instead called Capitol One using the phone number listed on the website. Capitol One confirmed that an account had in fact been opened with my name. They stated that they would close these accounts ( checking and savings ) and investigate the fraud. I froze my credit and reported this incident to the 3 credit bureaus as suggested by Capitol One. I did not receive a follow up. 

A few days ago I get an email from Capitol One stating that they needed additional information to move forward with my accounts, which I had told had been closed. I again called Capitol One and they transferred the call a few times. Ultimately, I was told that I would have to leave a message and they would get back to me. Given that I did not have the account numbers ( because I didn't open the accounts ) it was difficult to get help. I have yet to receive a return call and it has now been 5 days. This needs to be fixed immediately.
Product: Debt collection

Alleged Violation of 15 USC 1692g - Validation of Debt I am asserting that a debt collection attempt made by AR Resources , Inc breaches my rights under the Fair Debt Collection Practices Act ( FDCPA ), particularly under 15 USC 1692g, which mandates the validation of debt.

**Lack of Opportunity to Dispute Debt** Despite being approached by AR Resources , Inc regarding an alleged debt, I lacked prior knowledge of its existence and was not afforded the opportunity to contest it.

**Request for Certified Mail Receipt** Per 15 USC 1692g , debt collectors are obligated to furnish consumers with a written notice within five days of initial contact, outlining debt details and dispute rights. However, no such communication was received. I demand AR Resources , Inc furnish the certified mail receipt, corroborated by my signature, confirming compliance with statutory notification requirements.

**Unlawful Debt Collection Practices in New Jersey** It has come to my attention that AR Resources , Inc lacks authorization to pursue debt collections in New Jersey , my state of residence. Consequently, any pursuit of this alleged debt contravenes state regulations.
Product: Credit reporting or other personal consumer reports

I have been a victim of Identity Theft. My information has been exposed in the XXXX data breach. The following items are not affiliated with me nor are they authorized by me and I would like them to remove from any affiliation with me immediately. 
XXXX XXXX XXXX A XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX, MD XXXXXXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$1400.00} XXXX XXXXXXXX Balance Owed : {$330.00} XXXX XXXX Balance Owed : {$2200.00} XXXX XXXX Balance Owed : {$1900.00} XXXX XXXX ( Original Creditor : XXXXXXXX XXXX  ) XXXX Balance Owed : {$1900.00} XXXX XXXX Balance Owed : {$1900.00} 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/XXXX
Product: Bank account or service

I received an XXXX AAdvantage bonus offer from Citibank and I chose to open a Citigold account over the phone on XXXX/XXXX/2016. The promotion with Promo Code XXXX stated that I will receive XXXX bonus XXXX miles 90 days after meeting the requirements of making more than {$1000.00} purchase using the Citigold debit card and making 2 bill payments. 

I have completed all requirements on XXXX/XXXX/16 and was contacted by email, with investigation ID XXXX, confirming that I will receive my incentive 90 days from the date the qualifying transactions, which is XXXX/XXXX/16. It is XXXX/XXXX/16 when I am filing this complaint and Citibank has yet to respond to my recent inquiries about the bonus since XXXX/XXXX/16. 

I hope CFPB is able to investigate into this issue and forward necessary information to Citibank, hopefully to clear any of their barrier and process the bonus as promised.
Product: Debt collection

I purchased in XXXX and XX/XX/2018 various jewelry from XXXX XXXX store on clearance prices. XXXX XXXX is the financial institution that holds the account for XXXX. Within 1 week of purchasing the various jewelries I noticed on my account statement by viewing on line that XXXX did not have the sales amount listed but had placed the original amount in the Amount due. 
I called on numerous occasions to try and correct the error. I called XXXX corporate office, I called XXXX  XXXX customer service, I called and went to the XXXX store where I purchased the item, trying to get the error straight. But to no avail did anyone try and correct the error. Each entity kept directing me to the other store. The balance stayed Incorrect. I wanted to keep the jewelry but being XXXX, the bank that hold the account, could not list the correct amount or the sales amount showing what I truly owed, I returned ALL jewelry within the set time allowed for a Return items in order to clear my account and to ensure I had no payment issue. XXXX XXXX received all of its jewelry back in the allotted timeframe for returned merchandise. 
I kept Nothing and owe Nothing. XXXX  record keeing is terrible. XXXX had the order correct XXXX did not whatever they had done in their system they need to UNDUE they have ALL of their merchandise and I owe them nothing. They have now placed some a balance due on my credit when I do not have their merchandise and owe XXXX nothing. They have a paper trail error and needs to correct it within their system.
Product: Credit card

In accordance with the fair credit reporting act convergent Account close # XXXX, bank of america and XXXX bank delaware has violated my rights. 

XXXX5 U.S.C 1681 section 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 whithout my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please remove the following fraudulent inquiries from my credit report XXXX XXXX XXXX XX/XX/2018
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices which violate the consumer Financial Protection Act ( CPPA ). Specifically, Cash App failed to take timey and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, XXXX they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and the Regulation E. These actions have caused significant inconvenience and financial loss, and i see appropriate redress for these violations.
Product: Vehicle loan or lease

This in regards to the Auto Loan with Wells Fargo. The interest rate was exemptionally high. Interest rate was increased & series of threats to repossessed vehicle. Vehicle is XXXX XXXX XXXX 2009.
Product: Credit reporting, credit repair services, or other personal consumer reports

This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the E oscar system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 

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

In accordance with the Fair Credit Reporting Act, my rights have been violated. 

15 USC 1681 Section 602 states I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as ate for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion has taken more than 30 days to deliver the results against in violation of FCRA 611 ( 15 U.S.C. 1681I ) for the following accounts XXXX , XXXX   XXXXXXXX XXXX XXXX XXXX XXXXXXXX Dept Of Ed/XXXX XXXXXXXX Dept Of Ed/XXXX   XXXXXXXX Dept Of Ed/XXXX XXXXXXXX Us Dept Of Education XXXXXXXX Us Dept Of Education XXXXXXXX Us Dept Of Education XXXXXXXX
Product: Credit card

Hello, I have opened a dispute against a vendor XXXX XXXX ( XXXXXXXX XXXX XXXX ) for varios transactions because this XXXX started a project, did some work and abandoned the project and ran away with all the money. 

Provided legal documents and legal decisions against the vendor that was taken by Arizona XXXX XXXX ( AZ XXXX ) - Arizona XXXX XXXX XXXX. They confirmed and made a decision in my favor that contractor has abandoned the project. Contractor didn't show up for meetings with the investigator or responded to AZ XXXX 's decisions either. 

It was a pretty straight forward case, if the state agency concluded the case in my favor and citibank didn't receive any communication from the Merchant ( as they said ) then it should have been in my favor. 

Also, last week, on XX/XX/XXXX, when I called the Citi Dispute department, they also told me they are just waiting for the merchant to respond and if they don't respond then you will have the permanent credit applied to your account. 

and today XX/XX/XXXX, they just sent a notice that dispute is over XXXX  months old so are closing your dispute and you're responsible for these transactions. They have given conflicting information throughout this dispute and have been unresponsive most of the times. 

I didn't get a single call from the dispute department. I had to chase them down what they need and sent them all documents that include XXXX decision directives from AZ XXXX XXXX as well. All these credit cards companies have XXXX liability policy, it looks like they are just trying to get away from it because merchant is not responding and he probably closed his account. 

I have attached the AZ XXXX Complaint Summary, all XXXX directives taken by AZ XXXX, personal summary and a quote from a third party pool company to fix everything and build the pool. 

All these documents were sent to Citi Bank as well as proof.
Product: Checking or savings account

money was taken out of my account without my knowledge reported it and had to replace my card twice
Product: Mortgage

I fell behind on my house note during XXXX I have tried to communicate with the mortgage company so that I may keep my home but have been unsuccessful. 
I have reached out during my hardship was never given the help I know others. 
received during the covid epidemic. 
My house currently has a sale date of XX/XX/2024, I do not want to lose or sell my house, I have reached out to sps asking for a term change, adding the delinquent payments to the end of the note. 
I already have low rate and is not asking for rate change, only that the term be extended or a loan modification. 
thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX Experian replied to my earlier dispute regarding inaccurate reporting from XXXX XXXX XXXX. Experian says the matter is unchanged. XXXX XXXX XXXX states that an account I had in XXXX was included in a recent bankruptcy. However, that is not correct. The item was completely paid in full in XXXX of XXXX with no late payments. However, Experian shows this is an item that is included in bankruptcy. How can this be true if the item was paid in full in XXXX. 

My report ( Experian shows timely payments with no lates and item paid off. But it also shows the same item as included in Bankruptcy. I requested this item updated or removed until update to no avail. 

The balance on this account was XXXX but the account was paid in full on XX/XX/XXXX.
Product: Payday loan, title loan, or personal loan

On XX/XX/XXXX, I was short cash due to recently moving, and I had no money. My credit was taking a hit due to all the expenses I was taking, I could not get a conventional loan. I asked for a {$1500.00} loan to tide me over. Unfortunately, to my error, I did not read the contract involved, and I was glad to have money. I didn't realize that their interest rates were over 300 %. My account was credited for {$1500.00} on XX/XX/XXXX. 
For a {$1500.00} loan, they were expecting me to pay less than {$5000.00} by the end of XXXX. For {$1500.00} borrowed, these scumbags took three amounts of {$270.00} on XXXX, XX/XX/XXXX, and XXXX, making a total of {$830.00}, 55 % of the amount borrowed paid back to them within six weeks of the deposit. They want roughly {$4000.00} more back by XXXX for {$1500.00} wired to me in XXXX. As a result of these payments to these pieces of CRIMINAL SUBHUMAN XXXX, my XXXX rent for my apartment is not yet paid in full, and I worked very hard to get this apartment.. 
These terms are excessive and criminal, and I should not have to be financially crippled over a {$1500.00} loan, with 55 % of the amount borrowed taken out of my account within six weeks. I tried to renegotiate the terms, but they said that all terms were non negotiable Because rent is late and I do not want a repeat of this, and I closed my bank account to get a new one. XXXX XXXX is a piece of criminal subhuman trash that hides behind an XXXX XXXX  to hurt people. Given that half of the amount borrowed was paid back, I want to renegotiate the terms of my remaining balance...
Product: Debt collection

My name is XXXX XXXX XXXX and I am submitting this complaint without the assistance of a 3rd party. 

CMRE Financial Services contacted me via U.S. Mail after claiming they would not contact me further. The initial contact violated the FDCPA because I did not give permission prior to CMRE Financial Services mailing letters addressed to me. The letter was false and misleading. The letter included interest charges. The letter claimed a balance was owed although the balance was listed as positive. I do not owe the alleged debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus stated they properly investigated my XXXX XXXX XXXX account but how is that possible if the payment history is inaccurate, the status is inaccurate, the highest balance reported is inaccurate, the account type is inaccurate, the balance updated is inaccurate and the status updates is inaccurate.This is ground for removal they also violated my rights under 15 U.S.C 1681 section 602 A. Stated 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 an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive sent several letters to the bureaus and have no XXXX anything back. My first letter dates back to XX/XX/2021. There are inaccuracies in my report that they have failed to investigate in the appropriate time period.
Product: Credit card or prepaid card

On, XX/XX/2020, my Economic Impact Payment Card was stolen at the XXXX  parking lot in XXXX, CT. My wife 's purse was stolen approximately XXXX from the shopping cart. XXXX Police was called and a police report was issued. 

It looks like the thief used the card after XX/XX/2020 and made several unauthorized transactions ( 27 disputed ). 

I notified Money Network ( A First Data Company ) on XX/XX/2020 that the card was stolen on XX/XX/2020 and all future transactions ( 27 disputed ) was unauthorized. There was also a return made on XX/XX/2020 but I have no idea by who. 

Money Network 's responded on XX/XX/2020. I called them several times. I spoke with XXXX twice and she said don't worry we will review all disputed transactions despite the notices only listed 7 disputes. Later, Money Network responded on XX/XX/2020 that the dispute was considered closed since a return of {$47.00} was made on XX/XX/2020. I did not make this return on XX/XX/2020 since the card was stolen on XX/XX/2020 at XXXX. 

I don't understand Money Network 's position. The card was stolen and a police report was issued. Please assist me.
Product: Credit reporting or other personal consumer reports

Recently I checked my credit report and noticed multiple billing errors under 15 U.S. code 1666 ( b ) billing errors ( XXXX ) The creditors failure to reflect properly on a statement or a payment made by the obligor or a credit issued to the obligor.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Transunion, XXXX and XXXX multiple times since XX/XX/2022 to validate and remove inaccurate information on my credit report regarding a XXXX XXXX XXXX collection account number XXXX. I have sent multiple letters requesting deletion of this inaccurate information and TransUnion, XXXX and XXXX have failed to respond or validate this debt in violation of FCRA. This inaccurate collections account is severely affecting my credit report and causing great financial harm. 

Please have this account deleted from my TransUnion account.
Product: Credit reporting or other personal consumer reports

Recently I looked at my credit report, and I noticed some inaccuracies on one of my accounts. This account was paid off in full without a late payment. This account is reporting as a charge off/collection. That is completely false. This false information is hurting my credit score, and my ability to obtain credit. I need this account updated to paid without being chargeoff/collection or deleted from my credit report. 

Account Name : XXXX Account Number : XXXX
Product: Mortgage

I was a victim of predatory lending from J.P. Morgan Chase in XX/XX/2010. At that time, I was owner of the property located at XXXX XXXX, XXXX XXXX XXXX XXXX. The property value was {$640000.00}. However J.P. Morgan Chase foreclosed my property in XX/XX/2010. They never pay me the line of credit {$150000.00} which attached on the property as equity. In the past, I already brought my compliant to CFPB regarding J.P. Morgan Chase predatory activities by asking them the rest equity on this subject property ( see attached estimated value ). However J.P. Morgan Chase never contacted me after I contacted their specialist. The difference between the selling price {$390000.00} ( in XX/XX/2010) and market value {$640000.00} is {$250000.00}. Therefore I am asking J.P. Morgan Chase to pay me {$250000.00} difference when they foreclosed my property as {$390000.00} in XX/XX/2010. Predatory lending means the lender constantly ask unemployed, elder home owner to refinance to finally take their property away. As U.S. government know, I was fully qualify XXXX  job and was seeking job all the time. However due to employment discrimination and unfair hiring practice caused predatory lending, my property in XXXX XXXX XXXX  was take away by J.P. Morgan Chase in XX/XX/2010 at the price of {$390000.00}. I was fighting with Chase to the court, however XXXX XXXX court choose to give the property to J.P. Morgan Chase. During my employment matter with XXXX in the past 10 years after I move out of XXXX XXXX, I was harassed and threatened on the daily basis not to pay the debt by State of XXXX. Accordingly I am asking the rest of equity of {$250000.00} of this subject property since J.P. Morgan Chase took it away. Please do NOT owe me a penny. You took my property away, you should pay fair market value {$640000.00} not {$390000.00}. The difference is {$250000.00}.
Product: Checking or savings account

A fraudulent charge I did not authorize was placed on my account & they didnt provide adequate information, just nothing found. 
I did not place this charge & contacted support and was told it would be handled and honored due to me not having my physical card to make that purchase