23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/XXXX, I received a phone call from Atlantic Recovery Solutions stating that they were calling to collect on a debt that is owed to XXXX XXXX. I paid this balance to XXXX XXXX XXXX in XX/XX/XXXX after they contacted me saying that they had purchased the debt from XXXX XXXX and were now owed the debt. Every month I have had random companies calling harassing me for this same debt and I want to know why XXXX XXXX has sold this debt to all of these companies. Half of the companies that have called me can not be verified and Im worried who has my info ( social security number, date of birth, etc ). I have received calls threatening a lawsuit from XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, and now Atlantic Recovery Solutions. Why do companies keep calling me about this debt when it has been paid? I explained to representative with Atlantic Recovery Services that the debt had been paid and he told me that I did not pay. He then proceeds to argue with me and tell me he hopes I enjoy the phone calls. No, I do not enjoy being harassed! I have the paid in full letter and bank statements that show where the money came out of my account. I will not be paying the debt again. Stop contacting me.
Product: Credit reporting or other personal consumer reports

Despite my previous attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries have no association with me and I bear no responsibility for them. Their presence has caused me significant mental and financial distress. As an identity theft victim, I have no choice but to consider legal action if this matter is not properly addressed. 

The inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream home and provide for my family 's needs. The impact on my financial well-being has been substantial. For your reference, I have attached a copy of the letter I previously sent to the Federal Trade Commission ( FTC ), which outlines this issue and seeks resolution.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to propery investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation. These are the account below. 

XXXX XXXX XXXX Account number : XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

there were several unauthorized charges totaling over {$3000.00}. they were all cash advances taken from my card. i submitted a claim and filled out and sent back a form stating that i did not make these charges. 2 weeks later i get a letter stating that they found these charges to be correct and put them back on my card. I have NEVER taken a cash advance on XXXX crdit card ( i do n't even know how to do this ) they said i would have had to use a pin number, I 've never had one! as far as i know you would have to go into a bank and show an ID to get a cash advance. Obviously It was not me. At the same time i had fraudulent charges on XXXX of my other cards however the card companies did their investigations and removed the charges. Discover advertises how you are not responsible for fraud. Discover is making me responsible.
Product: Debt collection

Several threatening messages have been left. The messages contain personally identifying information that should not be released during the course of the voicemail. There were written notifications left on my door that were not enclosed within an Envelope. After XXXX was performed my XXXX  has been called as well as other family members and the nature of the debt has been disclosed to them. The calls are abusive and harassing and I do not feel comfortable working with the company. Any disclosures that I have received do not contain proper disclosures as far as bankruptcy is concern. It also did not have a truth in lending with the initial notification.
Product: Debt collection

I am disputing a collection attempt for a debt that is not my debt. I never signed for this debt and there is no verification that it is mine. I need all collection efforts to be stopped and for my consumer report to be protected from this inaccurate information.
Product: Checking or savings account

Several checks were stolen from the post office. because I pay my bills twice a month there were approximately seven of mine taken, they were than either washed or deposited directly into a bank ( other than mine ) Chase bank is aware of the situation and reimbursed me for all but one. This check is in excess of {$4000.00} dollars and has yet to be remimbursed to me. allthe others have. This particular check is obvious fraud due to the fact that it remained payable to Chase mortgage and signed by an illegible individual. Chase is now saying that the bank ( I believe is XXXX XXXX  XXXX ) is dragging their feet therefore Chase is refusing to reimburse me. I am filing this complaint due to receiving a letter from Chase that they have put a timeline on this situation and if the other bank does not pay them I am out of luck and, to be exact {$4300.00} of luck and they will close the issue. I believe that it is such an obvious fraud that Chase should reimburse me and go after the other bank to be reimbursed to reimburse them, maybe then they will push a little harder if they are ones losing the money.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to address the ongoing issue regarding the inaccuracies present in the consumer report furnished by XXXX XXXX on my behalf. The purpose of this letter is to formally request that all communications from your organization cease immediately, unless you are willing to compensate me for the violations committed. 

It has come to my attention that XXXX XXXX has been reporting inaccurate information on my consumer report, which has had a detrimental effect on my financial well-being. These inaccuracies have caused significant financial losses and have hindered my ability to engage in various financial transactions. 

I hereby demand that XXXX XXXX rectify the inaccuracies in the consumer report promptly. Furthermore, I insist that your organization ceases all communications with me, unless you are prepared to compensate me for the violations committed. This compensation should reflect the damages caused by the inaccuracies in the report and the subsequent negative impact on my livelihood. 

Please consider this letter as a formal notice to cease and desist all communications regarding the inaccurate consumer report. Failure to comply with this request will result in further legal action to protect my rights and seek appropriate remedies. 

I anticipate your immediate attention to this matter and a prompt resolution. Please confirm your receipt of this letter within 10 days. Any future communication from XXXX XXXX should be in writing and strictly limited to the resolution of this issue. 

Thank you for your understanding and cooperation.
Product: Debt collection

I received a debt collection letter from XXXX XXXX firm dated XXXX/XXXX/XXXX stating that this was attempt to collect a debt, and that I had 30 days to respond to their notice, so I responded to their debt collection letter with my letter dated XXXX/XXXX/XXXX, asking for the requested items of validation and verification according to what their noticed stated, what I received was not verification, I received a letter stating that Law firm received my letter and that they would send it to U.S Bank, as of today no response or answer to my validation letter, I have tried to communicate to the attorney office to no avail.
Product: Checking or savings account

Sometime during the year of about XXXX  insufficient funds, overdraft fees.Cause payday loans not to be paid. Ssn # XXXX
Product: Checking or savings account

A fraudulent account was opened after a debit card was sent to someone in XXXX  and that person proceeded to access our accounts and make XXXX large withdrawals without any red flags popping up. This is Citizens Bank by the way. 
All cashiers checks were handed out by XXXX different tellers at XXXX different branches in XXXX. We live in XXXX. 
We were told that the monies will be returned to our account within XXXX XXXX days by XXXX of the branches we visited to closed the accounts while another told us it will be a couple of weeks then today we receive a letter telling us they denied the claim for insufficient evidence. There should be video evidence showing the tellers handing over the cashiers checks. We have XXXX of the check numbers given to us by the first banker we spoke to. We are still waiting to get the XXXX check number from the bank. 
The total amount stolen or rather given away is {$27000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX US SM BUS ADMIN ODA XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX
Product: Credit card or prepaid card

On Thursday XX/XX/XXXX I received a text message from Chase stating Chase Fraud : We declined {$360.00} with card ending XXXX at XXXX XXXX. Was this you? Reply YES or NO. If yes, you will not be charged unless you try again. If no, we will close your current card and send you a new one. I replied NO and received a follow up text that my card would be closed and Ill receive a new one in the mail but instead someone was able to make additional purchases. I called immediately after my shift at work. I received a credit pending their investigation. On Monday XX/XX/XXXX I received an email to review account documents which informed me that I am responsible for all charges ( except for a {$1.00} purchase ) because Signature on this transaction matches signature on file which is impossible because I was working during the times of the transactions. I cant be in two places at once.
Product: Checking or savings account

I am filing a complaint with the CFPB regarding Capital One 's failure to deposit my direct deposit from my employer. Capital One cited technical issues, which may violate the Electronic Funds Transfer Act ( EFTA ) as it requires timely access to funds. This situation raises concerns about consumer protection laws, and I request your assistance in investigation this matter to ensure my rights are upheld. I can not believe this, especially for us that get paid biweekly. 

Thank You
Product: Payday loan, title loan, or personal loan

I took out the loan and was paying as agreed, extended the loan, and after a payment I had a family issue then job loss. I relayed this information to The Sun Loan Company. They aggressively harass by calling numerous times every day, and call the loan references multiple times. The references did not take out a loan and do not deserve to be harassed. They disclose protected and personal financial information which violates my privacy. They filed a lawsuit then continue to harass. They have googled family members and begun calling random people that may or may not know me, and even after I requested they cease all contact due to a lawsuit being filed they continue to harass.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , Experian credit reporting agency XXXX and XXXX credit reporting agency to block information appearing on my consumer credit report that is tho result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a porsonal credit card accounts opened at XXXX XXXX in XX/XX/year>. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

There is information that on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information to be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. Please delete all these fraudulent accounts none of the listed is associated with me.
Product: Credit card or prepaid card

Fortiva closed my account because I exceeded my limit. They sent me notice in the mail, in that notice it stated that I could call and make payment arrangements. When I called the Rep told me that my payment due for XXXX would be {$47.00}. A minimum payment of {$140.00} is showing online and in my statement. I wanted reassurance that if I paid the {$47.00} it would satisfy the XX/XX/XXXXpayment due. He said that only if I make that payment right then and there on the phone that it would. He could not provide any documentation that this was indeed true. I asked if it the payment amount would update online and he said if I tried to pay online I would have to pay the {$140.00} and it would not update to the new arranged amount. My due date is not until the XXXX, and I alway pay online, I simply wanted to pay closer to the due date. The Rep then said it was all still in process and that I needed to pay immediately. Keep in mind I have never been late, and all my payments have been made online. The letter they sent clearly states that I CAN make arrangements, the Rep could neither explain this or did he care to explain how I would ever have documetation of such payment arrangement. I would ask that the phone call be pulled so that CFPB can hear the circles and lies that were being stated by the Rep.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX, XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$3900.00} XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$2100.00} XXXX XXXX ( XXXX Creditor : XXXXXXXX XXXX XXXX ) XXXX Balance : {$2400.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX, this complaint is not made in error nor is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some account. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports... no consent is fraud. Please delete the account below from my report : XXXX XXXX XXXX XXXX Date Opened XX/XX/2022 Balance : {$320.00}
Product: Debt collection

I asked this company to send me valid proof of this debt, Section 609 of the FCRA asks for proper documentation for any debts. Ive received nothing providing that this is my debt no contract, signature or permission the original creditors gave consent to this debt.
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 XXXX XXXX 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 are the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$450.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$0.00} XXXX XXXX Balance : {$470.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} Chapter XXXX Bankruptcy XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$170.00} XXXX XXXX Balance : {$160.00} XXXX XXXX Balance : {$2600.00} 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, credit repair services, or other personal consumer reports

On ( XXXX ) I disputed an account reported by ( XXXX XXXX ), in the file you maintain under my social security number. I was informed on ( XXXX ) that the item was deleted on my credit report. By XXXX. I was informed by XXXX the account was deleted on XXXX, and Experian deleted the account on XXXX Now I have discovered that the item has been reinserted on my credit report. 

The collections account needs to be deleted as my rights have been violated.
Product: Mortgage

Good Afternoon, Our names are XXXX and XXXX XXXX, and we have a PHH Mortgage. We would like to file a complaint against this company. In XX/XX/year>, we applied for a modification because my husband was very sick with XXXX. Since the day I faxed all the required documents until now, every time I call the company to inquire about my case, they only tell me to send the same documents that we have already sent. It si essential for them to have knowledgeable staff to handle these matters. Every time we call, we receive different information. It seems like they are unwiling ot help and want ot retain the house. The monthly amount keeps increasing, and I am XXXX XXXX XXXX. 
We kindly request your intervention and respect for the situation of each individual. Thank you in advance for your help. 
XXXX & XXXX
Product: Mortgage

JPMorgan Chase Bank , N.A . and Chase Home Finance LLC use " Void '' XXXX security instruments to financially gain from filing mortgage foreclosure complaints. Upon obtaining Judgement of Foreclosure and Order of Sale of property, JPMorgan Chase Bank , N.A . and Chase Home Finance LLC financially gain from the sale of the property using the " void security instruments ''. 

JPMorgan Chase Bank, N.A., on XX/XX/XXXX in the 19th Judicial Circuit Court in XXXX, XXXX, filed a mortgage complaint with a " Void '' security instrument stamped " Pay to the Order of Without Recourse, JPMorgan Chase Bank, N.A '' signed by XXXX / Assistant Secretary dated XX/XX/XXXX using a MULTISTATE InterestFirst ADJUSTABLE RATE NOTE, ONE-YEAR LIBOR INDEX, 10Yr.Interest Only Period, Single Family, Fannie Mae Uniform Instrument XXXX 

On XX/XX/XXXX JPMorgan Chase Bank N.A., JPMorgan Private Client Services - XXXX, XXXX ( Place of Settlement ) refinanced a loan that did not disburse any funds. There is no copy of the cancelled check that funded the loan or record of a wire transfer receipt to fund the loan at closing. Disclosures as required by the provisions of " Truth in Lending Act '' were not delivered at closing. The amount of funds disbursed by the check listed below were not on the U.S. Department of Housing and Urban Development Settlement Statement. 

The only funds disbursed for the loan was by check number XXXX on XX/XX/XXXX in the amount of {$76.00}. Routing number XXXX, account no. XXXX. 

The Name on the Account for the above check : Chase Home Finance , LLC Escrow Disbursement Account in Trust For Various Mortgagors XXXX, XXXX XXXX Bank Name : JPMorgan Chase Bank , N.A . 
4 Chase XXXX, XXXX XXXX Filed OCC Case # XXXX, OCC Appeal Case # XXXX, OCC Appeal Case # XXXX Circuit Court of the Nineteenth Judicial District, XXXX, XXXX Case XXXX. 

CFPB Complaints : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX.
Product: Checking or savings account

Possible fraud : I received a message from XXXX ( XXXX ) XXXX stating that there was a hold on my citi bank account ( I dont have a citi bank account ) and to follow a link to lift it. This is the entire message I received : ( CITI-BANK-FRAUD-DEPT ) MobiIe banking has been bIocked due to irregular activity. To Iift the hoId go to XXXX? token