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

Citi Cards has three times ruled in favor of the merchant on dispute # XXXX for fraud, despite my having provided definitive proof. 
On XXXX XXXX I booked a non-refundable room at XXXX XXXX, XXXX XXXX for the nights of XXXX XXXX. I booked it only because the terms were ( and the confirmation guaranteed ) that my XXXX XXXX would not be charged until my XX/XX/XXXX arrival. 
XXXX XXXX fraudulently charged my Costco Visa the following day ( XXXX XXXX ) the full {$210.00}, over four months in advance. I called and they refused to reverse that fraudulent charge. 
I booked to pay only on XXXX XXXX arrival because I could be denied a room due to overbooking, property damage or COVID-19 closure. I would then have no recourse through Citi Cards for recovering these monies paid months in advance. My confirmation confirms those were the terms, and XXXX XXXX ignored them. 
Citi Cards ruled in favor of the merchant twice for reasons unrelated to my dispute, then finally ruled for the merchant on the basis that the merchant 's terms and conditions apply. The merchant 's policy was disclosed in the confirmation provided. The confirmation proves the exact opposite of that statement, yet Citi Cards refuses to consider the dispute further. 
The tone and content of the last two Citi Card decisions were insulting and threatening. We have for years charged many tens of thousands of goods and services on this card ( over {$28000.00} in 2019 alone ), always paying the balance monthly in full and on time. Their admonition that we pay up or be reported to the credit bureaus is insulting.
Product: Credit reporting or other personal consumer reports

Subject : Formal Complaint Against Equifax for Failure to Investigate Fraudulent Account To Whom It May Concern, I am submitting this formal complaint against Equifax regarding its failure to properly investigate and remove a fraudulent account from my credit report, despite my repeated submissions of supporting documentation. 

The fraudulent account in question was reported by XXXX XXXX and appears as a charge-off on my credit report. I have provided Equifax with substantial evidence proving that this account is fraudulent, including but not limited to : Proof that the vehicle associated with the account was stolen under fraudulent circumstances. 
Evidence that I never voluntarily defaulted or had the vehicle repossessed. 
Documentation showing that the loan company falsely reported repossession and resale of the vehicle without my knowledge or consent.

I have submitted this documentation multiple times through Equifaxs designated dispute process, yet Equifax has repeatedly claimed that it never received the materials. This failure to properly investigate and address my dispute is a direct violation of the Fair Credit Reporting Act ( FCRA ), which requires credit reporting agencies to conduct a reasonable investigation of disputed information.

As a result of Equifaxs negligence, I have suffered significant harm, including damage to my credit score and financial reputation. I am requesting the following actions : 1. A thorough reinvestigation of my dispute, with confirmation of receipt of all documentation I have provided. 
XXXX. The immediate removal of the fraudulent XXXX XXXX account from my credit report. 
XXXX. A written explanation detailing why Equifax failed to acknowledge and properly investigate my dispute. 

If Equifax does not take appropriate action to resolve this matter promptly, I will be forced to escalate this issue through legal channels and additional regulatory complaints. 

Please confirm receipt of this complaint and provide an update on the actions taken to address this issue. I appreciate your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Money transfer, virtual currency, or money service

One day I sold some of my Bitcoin, while manic and delusional... I made a dispute of the activity due to being at the time delusional and out of sense. But they locked my account and I've lost access to XXXX in the account with Robinhood llc I've uploaded documents such as a live selfie, pictures of ID front and back and they even requested non relevant documents on my XXXX
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report 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 blocking the erroneous information which is being posted to my report.

Here is the list of items that do not belong to me or were opened without my permission. 

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 Balance : {$0.00} ; XXXX XXXX  Balance : {$0.00} ; 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I am filing a formal complaint against Chase Bank regarding an unexplained and undisclosed increase in my credit card APR. 

My original XXXX was XXXX %, but Chase increased it to XXXX % without informing me for the past XXXX years. Despite multiple attempts to contact Chase for an explanation and a request to lower my XXXX, the bank has refused to provide any justification or assistance. 

This practice is unfair and deceptive, as I was never properly notified of the rate increase, which resulted in excessive interest charges over several years. I believe this violates consumer protection laws regarding transparent lending practices. 

I request the CFPB to : Investigate Chase Bank for failing to notify me of the XXXX increase. 
Ensure Chase provides a full explanation for the rate change. 
Require Chase to lower my APR and compensate me for excess interest charged. 
I am attaching copies of my credit card statements and any correspondence with Chase regarding this issue. Please review my complaint and take the necessary actions to hold Chase accountable. 

Thank you for your time and assistance.
Product: Credit card

Capital one refuses to reissue a lost credit card. They refuse to provide an explanation as to why. The account has always been paid on time.
Product: Debt collection

I have been receiving calls for about 10 years from PENN CREDIT CORPORATION which attempts to collect a debt from someone other than me. I have informed them that the people they seek are not at this telephone number, but the calls persist. The calls were originally made by people, but now are automated. My telephone number is XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, I recently pulled my reports and noticed you are reporting an charge off each month with a balance of {$770.00} for this account. XXXX XXXX XXXX XXXX XXXX As were both aware a charge off account is a dead account which means that there shouldnt be any interest accruing after the account charged off, there should not be any late payments reporting after this account was charged of along with reporting c/o every single month, Im aware that there is date of last activity ( the date on any account should be when a payment was made, or account status change made on the account ) so if you are reporting charged off every month the date of last activity is being reset every single month that you are reporting an charge off meaning that my reporting time is based on my date of last activity so with the 7 year reporting time for every charged off account from my understanding this account was charged off in XXXX/2018 and since then youve continued to report charge off on my credit report, which affect my dola ( date of last activity ) & is continuously been extended Ive attached copy of this account as its being reported from your bureau as well as listed below are the other accounts in question. 

{$230.00} XXXXXXXX XXXX XXXX XXXX {$430.00} XXXX $ XXXX $ XXXX XXXX US DEPT EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX $ XXXX XXXX XXXX $ XXXX XXXX
Product: Credit card

I had a credit card account that was a paypal mastercard and they suddenly reduced my credit limit from {$2000.00} to {$100.00} after I just paid off the account in full withing the last week. I contacted them and had the account closed as it is not worth keeping seeing as they refuse to restore my credit limit to what it was.Also they attempted to charge me what they called trailing off interest that they charged to the account after I paid off the account in full.
Product: Checking or savings account

Wells Fargo wrongly closed my account with {$19000.00} in the account that wasn't return to me nor the the company that transfer the money in my account. I had been a customer for 6 months at the time when they closed my account after the money was, made available for me to spend. They kept it open maybe a 5 days after the money was available for me to spend, but they made it hard for me to spend. Until the 5th day I was able to login I contact Wells Fargo only to hear that my account was being closed and the money I was unable to get. After hours and days weeks months begging to provide docs to prove the money was indeed my rightfully. Wells Fargo didn't give me a chance to prove that they were doing was a mistake.They never sent the money back to the place it came from so the business could have reissue me a payment. Still to this day Wells Fargo refuse to tell me where is the money, during the time for them closing my account for no logic or real reason I had a period of hardship homeless mental health issues and etc. I wan na put this behind me and seeking help for this matter this not my first time filing a complaint about this matter this time I hope and pray it falls in the right hands so I can move on from this. I also filing this claim as a remediation I am a victim of Wells Fargo wrong during I deserve a refund from them .....
Product: Consumer Loan

The prospective loan company financing a new car should HAVE TO REQUEST the report from the origination of THE loan application and XXXX should NOT allow several Inquiries on the same LOAN TRANSACTION. You should know better. QUIT DINGING MY CREDIT. XXXX
Product: Mortgage

On XX/XX/2018, I received a payoff fax for a home equity line of credit which I requested from LoanCare. I sent a check for the amount stated on the fax to pay off this home equity line of credit. LoanCare cashed this check on XX/XX/2018. 

Presently I have not received a cancelled promissory note, a mortgage release, a recorded deed of reconveyance, and final statement that the loan has been paid in full. 

On XX/XX/2018 I have called LoanCare as to the status of the paid off loan and the items mentioned above. At that time, the speaker could not trace the check and did not seem to know what happened. I was told to email a copy of the check as LoanCare would look into this and call me back. I emailed the attached items, and still have not received a call back or email as to the resolution of this. 

XX/XX/2018, I emailed LoanCare again through their website contact page and still have not heard from anyone there. 

LoanCare, however, is still sending me billing notices. I would like this resolved quickly.
Product: Debt collection

I am writing to request that the accounts in collection placed on my credit report be removed. Under the Fair Debt Collections Practices Act ( FDCPA ), This is not a request for validation, as Collection Consultants have sent me a bill with a different address than my own from XXXX. The bill also had a name I do not know and am not associated with. The information in this ID Theft Report is clearly LEGIBLE. There is no need to request for further identification XXXX and XXXX and XXXX claim to verified these accounts yet have not sent Any Verifiable proof, or proof of their investigation procedures. According to FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ) The CRA must give you all the relevant information it gets within five business days of receipt, and must promptly give you additional relevant information provided by the consumer. If you dont investigate and respond to the notification of the dispute within the specified times, the CRA must delete the disputed information from its files
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been 5 months since my first dispute regarding the fraudulent items being reported by the XXXX and TransUnion Credit Buraeus. I have also been sending countless letters requesting that the Credit Bureaus verify the authenticity of the information being reported on my Credit Report. But the Credit Bureaus have failed to do so and continued reporting without sending me copies of documents as proof of their invesitagation. I am now submitting this CFPB complaint to request that the Credit Bureaus remove the disputed items with or without investigation. The Credit Reporting Agencies must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I need the following items deleted immediately : XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXXXXXX XXXX  TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Balance Owed XXXX {$0.00} XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have placed a fraud alert on my credit with all three credit bureaus. The thief who stole my wallet has continued to draw hard inquiries from XXXX XXXX on XX/XX/XXXX XXXX XX/XX/XXXX XXXX-XXXX   on XX/XX/XXXX XXXX/XXXX on XX/XX/XXXX XXXX XXXX, XXXX XXXX on XX/XX/XXXX XXXX XXXX   XXXX XXXX on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX XXXX , XXXX on XX/XX/XXXX My wallet was stolen on XX/XX/XXXX. I placed a fraud alert on all three credit agencies. I am concerned as to how these banks are still pulling my credit and approving applications under my name from this fraud. Can you please help me
Product: Checking or savings account

Hello, I see in my XXXX XXXX  REPORT an unauthorized Bank of America fraudulent account, I have never had a checking and savings account with bank of america, please REMOVE this account from my XXXX XXXX and also the address is fraud I have never lived even that address in XXXX XXXX
Product: Checking or savings account

On XX/XX/2022 I trying to find help with my XXXX account. I came across a company called XXXX XXXX XXXX. I spoke with an individual named XXXX XXXX, he had me download different apps XXXX XXXX XXXX XXXX XXXX, and XXXX. With the XXXX XXXX XXXX app he was able to see my Chime Bank Account. The individual asked me questions ( did I know anyone in New Jersey and XXXX, New York? ). 
Of course I did not and he proceeded to tell me someone was charging my account. The individual XXXX XXXX had me sending amounts through my XXXX  XXXX account on my bank app. The amounts totaled {$5000.00}. And my bank Chime Bank, will not refund my account.
Product: Checking or savings account

Call bank to ask about sone fees issue about a month or maybe more ago, bank tells me they gon na close my account on XX/XX/, i ask them why they tell you will get a letter with an explanation! letters.come but no explanation i go to a branch in XXXX  dc XXXX XXXX they tell me they can not help me to call a number on the letter sent, no number on lertter though! i Feel i owed an explanation after banking with them over the past 10 year before it became truist bank. before it was Bbt bank. I really feel violated i need this bank account to help out my kids in college and the sad part is that i can not open another bank account no where else! i need an explanation!
Product: Debt collection

I have disputed a Collections account with National Credit Systems multiple times and they have yet to send any information to me validating {$1100.00} being reported on my credit report. I have not done business with a XXXX XXXX XXXX and have no clue as to what this is. I do not owe anyone from XXXX XXXX XXXX and have asked that they supply documentation proving this account belongs to me. I have been going through this since XX/XX/2018 with no resolve and need someone to step in. When I contacted the Collections agency, the representative I spoke with had very broken English and was not able to explain to me what this is and why its on my credit report. She was extremely abusive and kept saying I knew what it was and I need to pay it as though I personally owe her money. This company has horrible customer service practices and dont even attempt to help you. I just need something from them indicating this belongs to me and for what-especially since I have no clue what XXXX XXXX XXXX is and have never done business with them.
Product: Mortgage

Our mortgage was sold by XXXX XXXX XXXX to Newrez LLC. XXXX  did not provide any information with regard to where to send our payment, or if we would be issued a new loan number. I did find an address online for Newrez and send them my monthly mortgage payment using my XXXX XXXX XXXX number. It was a month before I received a statement or any information from Newrez LLC. On the statement I noticed that the payment I had sent to their XXXXXXXX XXXX office was not credited to my account. I also became aware that {$980.00} overage was in my escrow account. I called Newrez and asked for an escrow audit and mentioned that according to RESPA, I should be due an overage refund. I was informed that Newrez would not complete an escrow review until XX/XX/2023 and that I would not be receiving my escrow overage until such time as that was completed.
Product: Student loan

On XX/XX/XXXX I received notification from XXXX XXXX XXXX that my employment certification form for the PSLF program had been processed. However, despite the fact that XXXX agreed that I had been in qualifying employment for the entire certification period ( XX/XX/XXXX-XX/XX/XXXX ), there were two anomalies in the certification report. First, my payment history clearly shows that I made 17 or 18 payments during this period, but XXXX XXXX did not credit me with more than 10 payments during this period on any of my loans. Second, for some reason, even though all of my payments were made by auto debit, and should have been applied to all of my loans, some of my loans show 10 payments while others show 8. After receiving this perplexing report, I asked XXXX XXXX to review their findings, as they made no sense. Was told, on XX/XX/XXXX, that a manual review would occur. Each time I call, they tell me it's not done yet, and they have no information regarding when it will be completed. It is now XX/XX/XXXX ( 111 days after the review was initiated ), and XXXX XXXX still has not conducted the review, and still has no estimate for when it will be completed. This is completely unacceptable customer service, especially when the ability to plan ahead for PSLF is such a vital component of my financial planning.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the following information in my file. Two XXXX XXXX accounts with the same account number XXXX are reporting inaccurately on my credit report with two different open dates and credit limits. One report states that the account is current, while another states the account is delinquent and charged off. Duplicating account information like this is a violation of the Fair Debt Collection Practices Act or the Fair Credit Reporting Act. 

In accordance with the Fair Credit Reporting Act, the listed accounts above have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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 ) ( 1 ) 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. 

Please investigate this matter and delete it as soon as possible. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing these accounts the information provided below are inaccuracies which are reporting on my consumer report. I have contacted these credit agencies in regards to this information. Nothing has been resolved on their behalf. 

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

XXXX inquiries unauthorized XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX, XX/XX/XXXXXXXX XXXX  XXXX XXXX  - XX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I have never authorized theses inquiries, I have called XXXX, Transunion and XXXX fraud department multiple times and they refused to delete these inquiries My previous address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I moved XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Subject : Cease and Desist Request for : Account XXXX & Account XXXX Dear JPMorgan Chase Bank, I am writing regarding the above-referenced account. This letter serves as formal notice that I am requesting you cease all communications with me regarding this account, effective immediately, as per my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ).

While I am requesting that you cease direct communications, I am also requesting that you upload the following additional information to the Consumer Financial Protection Bureau ( CFPB ) portal to ensure the accuracy of my records : Date of Last Payment Date of First Delinquency Date of Charge-Off Please note that this request is being made to verify the accuracy of the information being reported about this account. I expect you to comply with this request in a timely manner and to provide the requested details via the CFPB portal.