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

I wish to dispute the presence of unauthorized account on my credit report, as indicated by your bureau. Upon meticulous scrutiny of my credit report, I have determined that this account is the results of identity theft. I initiated to contact with the banks associated with this account, and they assured me that it would be removed from their records. 
I am aware that other credit bureaus have already removed this fraudulent account from their records. This discrepancy raises significant concerns regarding the accuracy and timeliness of your bureau 's reporting practices. 
Despite my proactive measures to address this issue, the account continue to be reported on my credit report by your bureau. 

In support of my claim, I have lodged a formal complaint with the Federal Trade Commission ( FTC ) and have provided the banks with documentation demonstrating the fraudulent nature of this account. I respectfully request that you conduct a thorough investigation into this matter and remove the fraudulent account from my credit report. 

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

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on ID THEFT REPORT XXXX. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness XX/XX/XXXX ; XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX  XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$8000.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$2800.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXXT ) XXXX Balance : {$3000.00} ; XXXX XXXX XXXX.
Product: Mortgage

On my mortgage with Ocwen Loan Servicing # XXXX I am continually being charged a fee of {$16.00} for other fees. I have written and called them to find out what this is for but have received no response. This is for a tri plex rental property that is fully occupied and has always been so for the 10 years I have owned it. Ocwen is a predatory loan servicer that refuses to provide me with any information.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : Its also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Debt collection

I am now on XXXX with a XXXX  condition. Theres been tactics used to try to scare me. There was a data breach with Equifax and my information was used by someone to get credit in my name.
Product: Money transfer, virtual currency, or money service

XXXX XXXXI thought I was purchasing a refrigerator and icebox from my sister-in-law and it turns out it was not her. I used the Zelle app through XXXX XXXX  to put the deposit of {$500.00} on the two items. XXXX refused to refund my money. I was told to try to get my money back from Zelle. I have report this issue to multiple agencies : XXXX XXXX, Zelle, Representative XXXX XXXX, Attorney General 's Office, Federal Trade Commission, Federal Reserve, and the Federal Bureau of Investigation. 

The scammer is using the name of XXXX  and email of XXXX through the ZELLE app and is scamming people through XXXX XXXX 

I am also going to put in a complaint to XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advised this is my THIRD WRITTEN REQUEST that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under 15 USC 1681n and 15 USC 1681o regarding your continued willful and negligent noncompliance. 

Despite two previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. 

In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me with a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( A ). 

Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

XXXX XXXX XXXX Date Opened : XXXX XXXX, XXXX Balance : {$0.00}XXXX OFFICE OF THE ATTY GEN XXXX Date Opened : XX/XX/XXXX Balance : {$320.00}, XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, and OAG CHILD SU XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}
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 Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : XX/XX/XXXX- XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Checking or savings account

On XX/XX/XXXX, I attempted to deposit {$1300.00} ( XXXX XXXX dollars ) into my personal checking account at Citizens Bank  five minutes after the branch had closed. The ATM could not complete my transaction and would not return my cash, instead issuing me a slip that told me to contact my financial institution ( as attached ). I saw an employee still in the building and knocked on the door. He saw my struggles and told me that their software has been recently updated and had led to many ATM peoples for multiple people. He also advised me to call the number. 

I immediately called Citizens Bank 's customer service number and filed a claim with them for the missing money. I was given the claim number XXXX ( as attached ) and I was told I would hear back in 7-10 business days. 

On the following Tuesday ( XXXX XXXX ), I visited the branch and told them what happened over the weekend. They advised me that the ATM company picks up the money on Wednesdays and they would call me to let me know when the money was found. I left my name, number, and all incident information with the teller. 

On the eighth business day ( XXXX XXXX ), I went to the branch to deposit money and asked about my claim as I had received no notification or even acknowledgment thus far. The teller advised me to wait a few more days and that it would probably be posted soon. 

Today, XXXX XXXX ( 12 business days later ), I went into the branch again and asked about my claim. The teller finally pulled me aside and contacted their claims department personally for me. The teller then advised me that my claim had been denied and the matter was now closed within their company. They told me I was notified of this on XX/XX/XXXX, but I received nothing and had no idea about this.
Product: Student loan

XXXX XXXX,2013 XXXX XXXX was already paid. However its still showing on my report that I owe {$1600.00}
Product: Credit card

In XXXX or XX/XX/XXXX, I received a phone call from Discover stating that my account was past due. When Discover gave me the last four digits of the card number, I told them that I did NOT have a Discover card ending with those four digits. They told me the account was opened in XX/XX/XXXX using my name and " other identifying information ''. I told them that it WAS NOT ME and that someone else opened a card using my name. I requested that they mark the card as fraudulent/close the account. In XX/XX/XXXX, I received a statement from Discover stating that I was responsible to pay the charges for the fraudulent card in the amount of {$2600.00}. I called Discover again and asked them to open up a dispute case. By XX/XX/XXXX, they sent another form letter stating that the account and balance were considered valid. I called Discover again... basically the same conversation. They opened another dispute case. Again, I received a letter from Discover ( on XXXX XXXX, XXXX ) stating that I am responsible for the charges. I was NOT the person who opened the account, nor did I make the charges. I can not seem to get Discover to listen to me as a person ; I continue to get the run-around from Discover when they are the ones responsible for authorizing a card to someone other than me. When I asked for the address that they sent the card ( because it was not sent to my address ), they would not disclose that ... '' to protect the privacy of the other person. '' Discover asked me if I knew of a person named XXXX XXXX. I do not. Discover told me that this person was added as an authorized user for the card!
Product: Mortgage

I received a letter advising that a mortgage was reassigned from Novad Management Consulting, LLC. to XXXX XXXX. However, while my address is referenced in the letter, I have no mortgage with Novad or XXXX. I attempted to contact Novad at all of the numbers listed in the letter and on their website but could not get any answer after several hours of sitting on hold. I also attempted to contact XXXX, but their number directs people to contact HUD directly and hangs up. I emailed Novad at the email address on their website but have not received a response. 

I confirmed with my county 's Recorder of Deeds that I have not entered into a loan with Novad or XXXX, nor have any of my existing loans been assigned to either of them. 

This is a fraudulent claim to hold a mortgage against my property.
Product: Credit card or prepaid card

On or about XX/XX/2018 I met with a Chase banker, reviewed credit card options and selected a Chase Freedom card with rates offered at 17 %, 22 %, and 26 % depending on credit. I was granted a card but with a 26 % rate and refused/cancelled the card. 

I waited a month or so and this week applied again in person for the Chase Freedom unlimited card to see what would happen. I was given {$26000.00} of credit but still at the higher rates. I cancelled the card while at the bank. 

As someone with a FICO score of XXXX, a 30 year relationship with the issuing bank, etc. I concluded that these are worse than teaser rates in that I wasn't granted a low rate that kicked up but lured into a product based on false rate advertising. If only some minuscule percent of applicants can access a product benefit, then that benefit isn't real and shouldn't be offered. 

As a closing comment, I'm a XXXX XXXX and XXXX as a XXXX to XXXX XXXX XXXX on the XXXX of XXXX XXXX including XXXX XXXX, XXXX XXXX, XXXX and XXXX XXXX. XXXX is a sponsor of this program and I will need to reach out to our national volunteer office to recommend changes to our materials.
Product: Credit card

I booked a trip to XXXX, XXXX on XX/XX/2024 through the American Express XXXX site. At the time of my booking, I was shown my American Express Gold Personal Card in the upper right corner and I was served an offer advising of earning " 3X - Get 3X Points ''.

When my statement closed, I noticed I only got 2X the points and I called to inquire only to be told that it could take another billing cycle to populate. I reached back out to American Express again this past weekend on XX/XX/2024 and was told that I did not qualify because I did not use the " correct card '' ( my other American Express Gold BUSINESS Card ). As I advised that the offer posted is deceptive and misleading, I wanted a resolution and to be made whole for this inconvenience and grievance. However, I was dismissed and I reached out to American Express Executive Office to express my dissatisfaction and to advise them that I was going to escalate this concern as I believe it impacts a great number of Americans that may have unintentionally been in a similar situation as myself and misled!

I am asking to be made whole and for restitution for my inconvenience and emotion hardship when having to speak to multiple representatives to plead my case and to be dismissed.
Product: Checking or savings account

On XX/XX/XXXX XXXX by Goldman Sachs closed my account because they did not receive a signature card from me. I mailed back the signature card around the middle of XX/XX/XXXX. I received a letter from the bank on XX/XX/XXXX saying my account was closed. I called the bank on XX/XX/XXXX XXXX asking where my money from my close d account was and I was told it was put in the mail and to wait XXXX to XXXX business days. I waited until XX/XX/XXXX and still don't have my check from. The closed account. On XX/XX/XXXX XXXX I called and asked to speak to supervisor and they have put in a request and it takes 1 to 3 business days. It is now the 4th business day and I have not heard back from any employee of the bank about my final check. I keep getting a run a round from the bank and no one can tell me where my {$6800.00} check is at. It's been over a month and I still have not received my money from the bank or a phone call from a supervisor explaining where my money is. 

Please help me get my money back from this bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXX XXXX credit card balance was incorrectly posted to my TransUnion credit report. It says the balance went from XXXX to {$270.00}. The statement is below you can CLEARLY SEE THE BALANCE IS XXXX. How are these errors occurring???
Product: Checking or savings account

I have a checking and savings account with Citibank. 
I applied a loan on line at XXXX XXXX I got approved for {$2.00} XXXX loan and they send me all the paperwork showing I got approved. They have all my information because Im applying for a loan. So they send me back the approval paper. Then as soon as I received the approval through email. Representative called me and told me about the approval. He told me that they need to do a small deposit on my account. They know all my account number because when you applied for a loan you have to tell them your banking institution. So they did a mobile deposit on my account. I check my bank account and I was surprised they deposited 2x, a mobile deposit of {$750.00} and {$750.00}. They said thats how they do loans to check my bank. That deposit was made On XX/XX/2024. Totaling {$1500.00}. Also they told me they will deposit the rest the next day .The representative said {$500.00} will be deposited soon. I was so excited because I really need the loan. The loan company called me back and told me to purchase gift cards thats the way they do the loans and send it to them and I did. Then they called me back and told me to send back the XXXX mobile check deposit they did through bitcoins. I did all of it so that I can get the full {$2.00} XXXX loan that was approved. The next day Im waiting for the funds and tried to check my loan funds if it got deposited. I was surprised but cant log in on my Citibank account and its blocked. I went to the bank and asked them why my account was blocked. They told me they will closed my account soon. I told them that looks like I got scammed by XXXX XXXX and bank knew it. I tried to call Citibank and they told me its under investigation. I have my direct deposit with Citibank every month, my pension goes to that bank. Even my direct deposit I didnt get it until now. I have to borrow money to pay my rent because theyre holding my money until now. They are billing me for {$1500.00} because of the SCAM XXXX XXXX did to me. I just realized that I got scammed by these bad people. I told Citibank since they are holding my direct deposit they can get that money from my account and send me the rest even I got scammed. Im still waiting for the rest of my money from Citibank. I was really scammed by XXXX XXXX XXXX XXXX. 
Consumer beware about this loan company. Be careful applying for a loan on line and giving all your information. I dont think they should closed my account and Citibank should protect the consumer against fraudulent deposits. Where is Account Security. Bank shouldnt discriminate against low income people and elderly. They should protect us. I didnt do any of those mobile deposit and its not my real signature, But still Im willing to pay for it, they got my direct deposit. Thank you
Product: Credit reporting or other personal consumer reports

I XXXX  that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.
Product: Credit card or prepaid card

Capital One Bank XXXX. XXXX  XXXX XXXX, VA XXXX XXXX XX/XX/2021 Capital One Response CFPB case XXXX InReCapital One Case XXXX Referencing complainant 's Account ending in XXXX previously ending in XXXX. 
NOTE The referenced account is the ONLY account which complaint has filed for action on. 
However, without specifying my Capital One 360 Bank Card ending in XXXX Capital One deceptively responded with the following -abridged- statement We found no errors in the servicing of your account therefore we respectfully decline your request for compensation. 
This response is from the Capital One Customer Advocacy Office XXXX XXXX When I telephoned this office I was informed that my account was in arrears. 

I am interested to know what if any independent conclusions were arrived at by the FR agent assigned to investigate my complaint and whether my submitting proof of my identity to Capital One Bank SIX times impacted their decision. If YES - How, If NO Why not?
Product: Mortgage

In XXXX 2014 I used Chase internet bill pay and processed my home payment. In XXXX they contacted me and said the payment never went through. They apologized and removed the late charge. They said they were having maintenance or the system was down and took my payment over the phone. They never told me they would be reporting to the credit agencies I was late. I was late but it was not my error. I have requested several times for this to be corrected and they have refused. I recently was declined credit due to this specifically being on my credit reports. I have called, write letters, etc., but they are unwilling to correct their mistake. They acknowledge that by key strokes they can see that I attempted several times to log on between the XXXX of the month of XXXX and then not again until they contacted me on XXXX XXXX. This clearly is because I thought the payment went through. I have a long tenure with Chase and do not deserve to be treated in this manner. I pay my bills through internet bill pay every month and have never had a problem with the payment being processed. I simply ask them to correct this as a systemic error.
Product: Debt collection

https : //www.nationalrecovery.com/ Company failed to send written notice of intent to collect a debt, even though they had address on file. 

Collections opened XX/XX/2019 for {$130.00} without notification Multiple attempted phone contact through number not connected with company, meaning anonymous phones calls were being used by collector to document illegitimate attempts to contact ; failed to leave any message identifying caller and purpose of call.
Product: Vehicle loan or lease

I contact Wells Fargo on XXXX XXXX 2017, informing them of my hardship and requested help with monthly minimum payment. The rep suggested that I could give the car back mess my credit up and still have to pay the balance. I like her know that I was able to make a payment just not the required monthly payment of {$390.00}.
Product: Credit reporting or other personal consumer reports

The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and XXXX  XXXX  that this negative rating has caused me and will continue to cause until it is resolved.
Product: Credit reporting or other personal consumer reports

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate accounts in my file. 
XXXX  XXXX XXXX Balance : {$1700.00}
Product: Debt collection

I took out a debt consolidation loan in the amount of XXXX dollars from Lending Club Corporation, My payments are due in the amount of XXXX on the XXXX each month I used my Credit unions bill payer service to send my first pavement to be there on the XXXX the bank shows that the bank draft was mailed and sent there, however the lending club corporation says they did not get it, this is highly un likely as it was a bank draft sent directly to the company from my bank, I went ahead and put a stop payment on the check, and then sent another personal check overnight to the company and the United States Post office shows it was received and signed for by a representative of the company, The company is still showing they have not gotten my payment and is holding me as late grace period. I have called numerous times with no help from them whatsoever except they continue to suggest that I do automatic drafts from my checking account, I believe this company is practicing deceptive trade and credit reporting in an attempt to force consumers to allow them access to there personal checking accounts, as of writing this I am still in past due late status 24 hours after my payment was received
Product: Credit reporting, credit repair services, or other personal consumer reports

This address is not mine, please delete immediately.
Product: Checking or savings account

Dear Consumer Protection Personal ; I need your help to solve the HSBC bank issues I have now. 
My HSBC advancing checking account # XXXX opened on XX/XX/XXXX with promotion for {$350.00} welcome bonus. welcome bonus suppose to come in on XX/XX/XXXX. Nothing happened, no bonus seen. Call on XX/XX/XXXX, XX/XX/XXXX HSBC file number of investigation XXXX XXXX ect. Online chat with HSBC rep. No response or answer from the HSBC so far. Call on XX/XX/XXXX no help at all. I could not get hold of anyone from HSBC bank to get an answer. I wish you could help to solve this issue. 
Thanks. 

My phone number XXXX XXXX XXXX My name is XXXX XXXX