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

I have a voluntarily dismissed bankruptcy that I have repeatedly disputed with all 3 credit bureaus. The bankruptcy was filed in error and immediately and voluntarily dismissed. I have listed the inaccuracies below.

1. All 3 credit bureaus are displaying different case numbers.

2. All 3 credit bureaus are displaying the incorrect case numbers.

3. This has caused me to be declined for multiple credit applications with the most common reason given being '' multiple bankruptcies ''.

4. Two of the bureaus are reflecting a payment date which contradicts my explanation that the bankruptcy was filed in error and immediately dismissed without any payments or hearings. No payment was ever made and no hearings were attended. 

It is my right to request inaccurate information be deleted from my account. These inaccuracies have harmed me and are a blatant violation of the Fair Credit Reporting Act. I have attached my pacer report and the public records pages from the 3 bureaus.
Product: Vehicle loan or lease

I was pre-approved with PenFed Credit Union for an auto loan ( $ XXXX, 72-month term ) at 2.99 %. I was purchasing a used vehicle private party. XXXX sent me a 2-party check to complete the vehicle purchase and fund the loan. I was contributing my own money on top of the loan to purchase the vehicle. 

To complete the transaction I gave the seller both the $ XXXX PenFed Check and a $ XXXX cashiers check from my own bank account ( total of $ XXXX ). Days later ( after Id paid {$2000.00} to ship the car ) PenFed called me and said ( a ) the rate would actually be 3.99 % because it was a used vehicle ( 2020 model year ) and ( b ) that they would not fund the check they had given me because it was a private party purchase of a vehicle that had a lien on it with the seller ( that they were paying off with the sale funds to give me a clear title ). 

None of the was explicitly disclosed to me up front, and put me in an enormously bad position of having paid partially $ XXXX for a car and $ XXXX for shipping and had the loan yanked out from under me. I ended up drawing from my saving to pay for the full purchase price with my own funds to salvage the deal. I felt bait an switched and the PenFed was all to eager to give me an approval and check up front and decide later if they would actually choose to make good on their promise, and it screwed me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXl XXXX is still saying that I have a balance on this account and has still been flagging my account as " Late '' since it was settled by the courts on XX/XX/XXXX. I don't have the full account number, but my XXXX credit report lists the first 12 digits as XXXX. 

XXXX XXXX garnished my wages until the account was satisfied on XX/XX/XXXX. The Superior Court of the District of Columbia case number for this matter is XX/XX/XXXX XXXX XXXX. A copy of the court document is attached. 

Also, I've attached the results from my recent XXXX dispute and a printout of what is currently showing on my XXXX report via XXXX XXXX.
Product: Debt collection

XXXX Visa card serviced by comenity charged me twice in the month of XXXX for payments- once for {$810.00} and another time for {$970.00}. I only approved/made the payment for the amount of {$970.00}, the {$810.00} was taken without my permission. 

Since then, its been a mess. They claimed to send a refund check in the amount of the {$970.00} and applied the balance of {$810.00}. I have not gotten a refund check. As a result my personal checking account has overdrafted three times and I still have not gotten a refund check to date ( XX/XX/XXXX ) This month my XXXX statement balance for the card included the amount of {$970.00} in addition to the other things I purchased. After calling they claim I owe both amounts as the because I did technically not pay the XXXX statement of {$970.00}. But this amount was not owed to them, it is owed to me. They claim they have sent out another refund check and that I owe the {$970.00} plus whatever else was charged. Im still waiting on the {$970.00} refund check. 

Something is not adding up and I have reached a road block in communication with them regarding this after several message and a long call. 

Please assist of you can.
Product: Mortgage

Dear ChaseYour letters have been received and all contradict each otherI need your assistance in sorting out the actual facts straying with letters from XX/XX/XXXX letters say no modification was in place Chase is now confirming modificationLetters state I did not reaffirm property in bankruptcy file that is untrueI had a bankruptcy attorney that was not contacted by Chase at no timeWho was the trustee XXXX bank or XXXX XXXX XXXX - XXXX XXXX XXXX whom notary XXXX XXXX worked XXXX Bank put Motion from relief of stay in. Bankruptcy XXXX trustee was hired by ChaseCan Chase have XXXX trustee working on the same loan and property? 
The number provided to validate notary XXXX XXXX documents is not a valid number XXXX XXXX letterRegarding title challenges I provided the necessary documents to WAMU in XX/XX/XXXX XXXX the original fax sheet to WAMU and document is available for lien on propertyAs of XX/XX/XXXX XXXX XXXX documents have errors and mistakes regarding foreclosure XX/XX/XXXX ( XXXX ) as well as NO Journal Entry XX/XX/XXXX Record FoundDo you have proof of publication for XX/XX/XXXX foreclosure? 
The Motion from Relief of stay documents do not show pictures of my home presented to bankruptcy judge - please explain? 
Chase I appreciate your time in putting accurate details in date order and excluding incorrect information in all previous letters
Product: Debt collection

I settled a debt with Portfolio Recovery Associates for two Debts that I had with them and one account still shows that I didn't pay it off. Secondly, part of the agreement was the specific individuals for all three credit bureaus were going to contact them to verify settlement and when they tried to call they said they don't talk to third parties even and that I need to contact them with a fax to authorize third party communication. With is not correct becuse I did as part of the agreement was tell them that I do authorize the bureaus to cotact them.
Product: Debt collection

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

This account is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to 3 Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.
Product: Checking or savings account

On XX/XX/2023, I received multiple emails saying new account was opened under my name at Bank of America. I dont have any checking or savings account at Bank of America . I called Bank of America fraudulent activity number and was told that they will start investigation. They said they closed this account. I did not receive any other information.
Product: Checking or savings account

On XX/XX/XXXX around XXXX my account was hacked. the person took {$500.00} total dollars out my account. It was two separate transactions at XXXX XXXX  and XXXX XXXX  of {$250.00} dollars. which made up the total of {$500.00}. On XX/XX/XXXX around XXXX XXXX  after failed attempts to calling and chat via app ( which the app does not offer the live chat which is stated on there website. ) I reached out via email. I left several emails asking for help. I didn't receive a respond until Monday XX/XX/XXXX at XXXX XXXX. Stating after their investigation they decided to closed my account. and will send the remaining balance to my closed bank account that was attached on file. they never not once responded back about my missing funds but went ahead and closed my account. this account had all my bills and deposits from my job hitting the account. i had to scramble to find a bank to set up a direct deposit so i can reroute my money. but still no justice were served.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested a payoff amount by email and gave them my new address to send information in XX/XX/XXXX. I advised them I will pay {$5000.00} toward the balance if they did not advise me of another payoff amount in writing. I advised them and sent a copy of a letter from XXXX XXXX XXXX telling me to make payment to XXXX. I told them I needed a payoff amount from them as we were told by XXXX, when trying to pay to XXXX, that we should make payment to XXXX XXXX  XXXX. They were advised I would not pay anyone but XXXX. 
I waited for several months and on XX/XX/XXXX I made a payment of {$5000.00} by mail to bring my account up to date. I wrote to XXXX  back with a copy of the check, the prior letters and advised them I would resume regular payments and, again, gave them my correct address. 
My credit rating went below 600 due to this problem that was unresolved with them. I was unable to refinance a loan during this period due to ONE low credit score. I was told again to make payments to an unknown ( otherwise ) lawyer firm but never got anything in writing about how to do this. I continue to make my payments to XXXX  by mail.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Colorado XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute several accounts that are currently appearing on my credit report. These accounts are as follows : XXXX XXXX XXXX, account number XXXX, which has been late payment. 
XXXX  XXXX, account number XXXX, which has been late payment. 
XXXXXXXX XXXX  XXXX, account number XXXX, which has been late payment. 
XXXX, account number XXXX, which has been late payment. 
XXXX  XXXX, account number XXXX, which has been late payment. 
XXXX XXXX XXXX account number XXXX, which has been late payment. 
XXXX XXXX  XXXX XXXX, account number XXXX, which has been collection. 
XXXX XXXX XXXX, account number XXXX, which has been collection. 
I believe that these accounts may contain errors or violations of federal law, including : Fair Credit Reporting Act ( FCRA ) Fair Debt Collection Practices Act ( FDCPA ) Fair and Accurate Credit Transactions Act ( FACTA ) Truth in Lending Act ( TILA ) Real Estate Settlement Procedures Act ( RESPA ) Equal Credit Opportunity Act ( ECOA ) Fair Credit Billing Act ( FCBA ) I am specifically concerned that your actions with respect to these accounts may have violated one or more of these laws. For example, the information on these accounts may not have been reported accurately, or the debt collection activity related to these accounts may not have been conducted in compliance with the FDCPA.

I am requesting that you take the following actions to address these issues : Correct any errors or inaccuracies in my credit report related to these accounts.

Cease any collection activity related to these accounts until the issues have been resolved.

Provide me with any documentation that supports your position on these accounts.

Respond to this dispute in writing within 30 days, and include a detailed explanation of how you plan to address these issues. 
I take this matter very seriously, and I am prepared to take legal action if necessary to protect my rights under federal law. 
Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Product: Checking or savings account

On XX/XX/2022 early in the morning, my debit card and cell phone were stolen from me by a man I had met only 2 days before. I had gotten him gas, so he had the PIN number. He left me in a city I am unfamiliar with and I did not have my phone. I was XXXX assaulted that day and was in the hospital while charges were taking place. After I was released from the XXXX  I checked myself into a program called XXXX at XXXX XXXX. Only then did I see that my card had been used and my money wiped out. I canceled it on XX/XX/2022, but it was too late. Due to the severity of the attack, I did not have the strength to call the bank until XX/XX/XXXX and spoke to a woman about the charges. I was able to identify the last time I had used the card, and the charges that took place after it was stolen. After almost 2 weeks I reached out to see what was going on and I was told that the claim had been denied due to the fact my pin was used and that I had notifications set up. But again, my phone was stolen from me so I had no way of seeing these charges. I filed a police report and sent it to them, I let them know that the charges were from an ATM and that they have cameras that could see that it wasnt me pulling out my money. I disputed the claim twice and was still told it was denied. I was told multiple times that someone would be in contact with me and I never heard from them. I then received a letter in the mail that listed charges not even related to the claim that had said they were denied. I filed a complaint with the XXXX and finally heard from someone XXXX XXXX and he told me there would be another investigation. This person sent the XXXX a letter letting them know that the issue was solved, which it wasnt. He let me know that the claim did not rule in my favor. The XXXX gave me a link to file a complaint with The Texas Department of Banking, which was completed and sent out on XXXX XXXX. Losing {$860.00} may not be a lot to some people, but for me this was devastating. After the attack I had to quit my job and enter treatment. My son and I are starting over and without this money we dont have much to start out on. After everything that happened I am astonished that my money was stolen from me and then I was treated like I was committing fraud.
Product: Credit reporting or other personal consumer reports

There has been fraudulent accounts made on my consumer report, I have no business with these companies mentioned on the attached document, also the address and phone numbers on my consumer report are inaccurate as well
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. 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.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( a ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

Delete the accounts below : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report.

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information.

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of XXXX.
Product: Credit card or prepaid card

For some reason, the CFPB prematurely closed the case when this was not concluded business. Your response to my initial complaint is not directly addressing what was asked of you. My complaint does not pertain to my individual Costco Anywhere Visa Card by Citi account ending in XXXX, but rather to the broader relationship between Citibank, N.A., Citibank Credit Card XXXX XXXX ( XXXX  ), and XXXX XXXX XXXX XXXX XXXX. As per the latest XXXX  prospectus and the Indentured Agreement, there is an established relationship between these entities. The Prospectus Dated XX/XX/XXXX, clearly states that Citibank, N.A., a national banking association, is the sponsor and depositor of the master trust and the issuance trust. It also indicates that XXXX XXXX XXXX XXXX XXXX, a New York banking corporation, is the trustee of the master trust under the pooling and servicing agreement and the trustee under the indenture for the notes. This information can be found under The Master Trust Trustee and The Indenture Trustee sections, and on Pages 11 and 220 of the Prospectus. The inquiry I gave is not related to my personal credit card account or its associated credit reporting. Rather, I am seeking transparency and access to the most recent information regarding the corporate indentured trustee signee for the latest agreement between these entities. This information is not currently up-to-date and is not readily available to the public, which is a concern for investors and noteholders that goes against the Trust Indenture Act 1939. In the most recent 10-K filing dated XX/XX/XXXX, XXXX XXXX and XXXX XXXX are listed as signatories, but not in the capacity of corporate indentured trustee signees, merely as corporate trustees. This lack of clarity leaves investors without a clear communication channel as noteholders and gives the appearance of withholding such information due to a potential conflict of interest to the beneficiaries of the trusts as noteholders in not disclosing this. Your prompt attention to this matter is needed and I look forward to an update soon. The lack of transparency in this matter is concerning and contrary to the principles of fair and open financial markets.
Product: Credit reporting, credit repair services, or other personal consumer reports

Information regarding a XXXX XXXX credit card was placed on my report. I was no notified and the information just appeared on my report causing my credit to be affected in a negative way. This information is not mines and is misleading others to deny me of credit.
Product: Mortgage

On XX/XX/2021 AmeriSave took, a home loan refinance application from me, and {$500.00} over the phone. I was instructed, to verify documents & submit information on their portal. I noticed, the Pension amount I shared during the phone application was inaccurate and underreported by approximately $ XXXX. By email, and phone message requests I asked the correction be made so the amount is consistent w/ the bank statements and Monthly pension statement I provided via their portal. I did not receive an email response, nor phone call. I will attach the email, along w/ several other ones for which no reply was given to me. Those emails, detail technical and/or other non user friendly and inefficient relative to AmeriSave 's portal. For example, I repeatedly get requests for bank statements which I provided, along w/ permitting their access to my accounts. The challenges, AmeriSave presents to me is quite consistent w/ countless customer complaints on XXXX XXXX Yes, I should've researched the corporation. Moreover, its why I am reporting their problems now. I sincerely, believe by their approach, and the customer responses, I may have been scammed of {$500.00}. Or/and ... maybe, I am concerned, XXXX will include me in their not correcting false information on a mortgage application. During my career, I achieved and served in 3 separate peace officer classifications, so following the law is important to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am trying to get all three credit reporting companies to put a security freeze on my report, as I have checked with XXXX who have admitted that my information has been compromised in their latest security breach. None of XXXX, Experian or XXXX XXXX website will complete my online requests. 

I have tried some of them multiple times, but they will not freeze my report.
Product: Bank account or service

I have a small business. I have a merchant credit card processing account through First Data Corporation. Without my authorization, First Data deducted ( stole ) {$14.00} from my business checking account on XXXX XXXX, 2016 for " XXXX ''. When I called First Data on XXXX XXXX, 2016 and inquired about the unauthorized charge, I got a sales pitch for the product, and I was told that I could apply for a refund if I did n't want the product. I was then told that I would be called back in a day or two to discuss the matter.
Product: Debt collection

I had closed my XXXX credit card down due not only an error they made with taking a payment out of my bank account to add to my secured credit card with a value of {$300.00}. When I tried to call to talk about their huge mistake a female customer service agent was less than professional and I said cancel card. At time, as I put {$250.00} down payment, the card had nothing owed, it was caught up to date. However, XXXX illegally sold the account to MCM MIDLAND debt collector who called me constantly and harassed me. I tried to discuss issue with MDLAND XXXX, XXXX credit reporting companies, and XXXX, XXXX XXXX, XXXX and many attempts by me were made for four years to prove my innocence. Enclosed you will find a letter dated in XXXX 2016 where MCM MIDLAND refused to even go over my situation yet again. But, in XXXX 2016, a letter was sent to the XXXX credit reporting companies that stated after 4 years of not XXXX company sending me proof of debt, that they needed to remove them as of identtity theft issues as well. Then as you see all of a sudden after 4 years MCM MIDLAND writes a letter XXXX 2016 saying that XXXX recalled card I actually owe nothing at all, as I tried for four years to prove to both companies and reporting agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : 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/XXXX
Product: Credit card or prepaid card

I have reached out to JP Morgan Chase and requesting information in which I have yet to receive a response in regards to my 2 closed credit card accounts. JP Morgan Chase is in violation of my rights as a federally protected consumer. Pursuant to 15 USC 1602 ( p ) unauthorized use of my accounts by closing both credit card accounts without my permission or consent.