23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Based on an earlier complaint. The Company ( Chase ) provided incorrect information which in my opinion rises to the level of fraudulent. I file this complaint to submit full and correct information and demand the company to issue a correct and accurate response as well as full and accurate resolution. Information is below. 

I have attached my XXXX statement which was referenced in Company response to prior complaint ( copied below ) In this attachment it is clear that they did not reference XXXX merchant credit amounts totalling over {$550.00} which brings my total payments and credits to over {$5300.00} which is well in excess of the {$5200.00} they assert I owed. 

Why did the Company omit these credits in their response? This willfull omission indicates fraud and I demand a retraction, and correction as well as a refund of the interest that was wrongfully charged to me... 

Company 's Response ( to prior complaint ) Per your XX/XX/year> statement, the full amount of {$5200.00} was due by XX/XX/year>, in order to avoid purchase interest charges. On XX/XX/year>, your payment in the amount of {$3400.00} posted to your account. On XX/XX/year>, your payment in the amount of {$1400.00} posted to your account. These XXXX payments together equal {$4800.00}. We can not honor your request to refund your account for purchase interest charges due to the entire balance was not paid by the statement due date. 
XXXX XXXX, XXXX final letter XXXX ( XXXX KB )
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously filed a complaint XXXX which was resolved to my satisfaction by XXXX 's XXXX XXXX. The resolution involved updating the 3 Credit Reporting Agencies with accurate information regarding 2 tradelines. After correctly reporting these to all 3 bureaus, XXXX reverted to the prior incorrect reporting with XXXX and Transunion. XXXX remains accurate. I left phone messages with the person who previously handled the complaint, with no returned calls. Therefore, I am re-filing this complaint. Under the FCRA, XXXX has exhausted the 30 day period to correctly post the tradelines and I am requesting deletion of both accounts pursuant to 15 U.S.C. 1681 ( a ) ( 1 ).
Product: Money transfer, virtual currency, or money service

Status on the transfer that was done at a XXXX Location. Money was transferred on XX/XX/XXXX, I was supposed to receive by XX/XX/XXXX, today is XX/XX/XXXX and I still have not received the money or received a new update regarding when I would actually receive the money.
Product: Debt collection

This company has tried to collect a debt that they still have no validated yet and showed me proof.
Product: Mortgage

Hello, This is my third time faxing in a third party authorization.  One  was sent  XXXX , another  XXXX  and now  XXXX  I am attaching it on here too. I have done short sales with firth third bank in the past and they do not stop foreclosure until there is an approval. I can not be having these deals especially when the foreclosure is in  XXXX . Please help.
Product: Checking or savings account

XX/XX/XXXX, I opened Citi Priority savings and checking account online with a {$1000.00} deposit into the checking account number. A week later I received an email that my accounts were locked and closed. After several phone calls over the 6 months communicating with XXXX, XXXX, XXXX, and XXXX in New Account Fraud, each time I complied with the Citi requests to provide them with my IDs ( DL and passport ) and my mailbox rental receipt to prove my ownership of address on file, Citi refused to refund my money. Additionally, Citi admitted in writing that they violate Patriot Act by opening my account without a physical address. It is incumbent on CITI to know and enforce banking regulations CITI can not violate the law to take money but then hide behind the law to refuse to return it. Due to Covid-19, people are facing hardship. I need to access my money to pay bills. Having no faith in getting in any resolution from Citi for 7 months, I would like Citi to return my money. 
I also filed a complaint with the OCC on XX/XX/XXXX and on XX/XX/XXXX, received an OCC resolution letter that Citi will mail me the check to the address on record. However, after several emails and phone call starting from XX/XX/XXXX ( over 30+ days ), Citi has not responded to me except sending me generic emails informing me that this matter is being investigated. Each time Citi exceeds its own deadline of 15 days to resolution. I have no faith in Citi and I watnt to file a complaint with CFPB.
Product: Mortgage

I never owed XXXX {$310000.00} as reported to the credit bureaus. 
Since it was removed I suppose it paid off {$240000.00} reported by Indymac. 
And {$70000.00} to XXXX I paid twice and XXXX with whom I never had an account. 
Since the other {$240000.00} reported by Indymac was removed plus another {$17000.00} paid to XXXX ( of which some of it went to midland ) would be the other {$260000.00} XXXX loan I paid twice. 
From this the {$240000.00} remaining amount of my 1998 30 year loan payments would be paid in full. 
Now that I have paid XXXX another {$100000.00} for the 17 years escrow I owed and I did n't know I was using to fund the prepaid line of credit, I have now repaid someone else for my own money. 
This implies that along with the {$15000.00} I already paid to midland -but only 17 years escrow disbursed on my house I also paid {$41000.00}. ( This was the payoff amount of my duplex XXXX XXXX foreclosed. ). Having already paid {$140000.00} for my duplex did they foreclose on the {$59000.00} XXXX XXXX XXXX did n't give me? - Meaning I had a {$5000.00} credit balance at foreclosure because of XXXX XXXX XXXX - for a credit offer I did not accept and for money they did n't give me. 

I lost my duplex XXXX XXXX 's attorneys valued at {$78000.00} ( and XXXX XXXX valued it at {$150000.00} ). But XXXX XXXX XXXX thought it was worth {$200000.00}! 
Taking off the {$53000.00} balance reported to the IRS and giving me back {$62000.00} value reported ( amount overpaid ). I paid {$150000.00} for my XXXX someone else owns - For {$59000.00} XXXX XXXX XXXX did n't give me I do n't know who I should send this to. the CFPB needs to compile all of my recent complaints and sort out who is to blame. 
XXXX need to fix it. 
XXXX XXXX XXXX needs to pay me back. 

So along with the {$210000.00} I already paid must be that other {$260000.00} first XXXX loan released twice. The other XXXX loan loan released was the 1998 30 year loan paid off in only 15 years. 
It all fits. There is no balance and XXXX owes me {$210000.00}. XXXX owes the escrow I 've used since the modification. I do n't know who owes me {$59000.00} extra I paid to XXXX XXXX.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Request to Block Fraudulent Information Under FCRA 605B Dear Trans Union Customer Service , I am writing to formally dispute inaccurate information on my credit report due to identity theft and fraud, as outlined in my recent complaint filed with the Consumer Financial Protection Bureau ( CFPB ). This dispute is made pursuant to the Fair Credit Reporting Act ( FCRA ) 605B ( 15 U.S.C. 1681c-2 ). 
The fraudulent accounts in question consist of : - XXXX XXXX opened date- XXXX - XXXX XXXX opened XXXX - XXXX XXXX XXXX XXXX XXXXXXXX XXXX opened date- XXXX These accounts have resulted in several unauthorized hard inquiries and fraudulent collections that appear on my consumer credit report. I do not recognize these accounts, as they were not opened by me and are the result of identity theft. 
For your review, I have attached a list of the hard inquiries and a copy of my consumer XXXX credit report, which highlights the aforementioned fraudulent items. Additionally, I have included a copy of my FTC identity theft criminal complaint number XXXX, which serves as proof that these accounts are the result of identity fraud. 
**Resolution Request** I hereby request that, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), Trans Union block all accounts, collections, and any hard inquiries related to the fraudulent activity identified in my CFPB complaint from my credit report within four business days of receiving this letter. 
Please send all written confirmation regarding this CFPB complaint to my email address at XXXX. 
Thank you for your prompt attention to this matter. I look forward to your swift action in resolving this dispute. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX XXXX, and I am DEMANDING that you take immediate action regarding my CFPB complaint. Despite submitting a complaint earlier, I am appalled to see that the fraudulent accounts and information STILL exist on my credit file. The following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX Balance : {$8000.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX are UNAUTHORIZED, and I DEMAND that you remove them immediately as required by FCRA 605B ( 15 U.S.C. 1681c-2 ). I expect that you will take swift action and provide me with a written explanation of the steps you have taken to resolve this issue.
Product: Checking or savings account

In XX/XX/2021 opened a Citi savings account, in response to their solicitation. Citi bank offered me XXXX XXXX XXXX miles if I opened a savings account and deposited {$50000.00} dollars for at least 60 days. I completed the requirement, but Citi bank has not provided the miles they promised. 

When I initially asked them why I had not received the miles, they told me to wait another 60 days. I still have not received the miles.
Product: Vehicle loan or lease

On XX/XX/2019 I purchased a XXXX XXXX XXXX at the XXXX XXXX XXXX in XXXX XXXX New York. The purchase agreement was assigned to EXETER FINANCE LLC in Texas, i received the first statement in beginning of XX/XX/2019 and I mailed to EXETER a Certified Check, an IRS form 1040V, a New York State UCC-1 Affidavit Of Ownership filing # XXXX, a Kentucky UCC-3 filing # XXXX where I Register the Certified Check/Security Instrument, all the mentioned items were received by EXETER on XX/XX/2019, on XX/XX/2019 I received a XXXX mail from EXETER/XXXX XXXX stating reception of the certified check and claiming " EXETER does not accept the document purporting to release the customer 's responsibility in the XXXX XXXX VIN # XXXX ETC ... without returning any of the document ( s ) sent ( 1040V, New York UCC-1, the Certified Chek, the Kentucky UCC-3 ). I gave EXETER FINANCE 10 days to return everything received from me if there was any defect for me to correct it they did not, meaning the alleged debt was discharged after the 10 DAYS WINDOWS. They sent me another statement with adjustment of {$44.00} along the monthly payment, I sent them a SET OF GSA BOND ( SF30 Amendment of Solicitation/Modification Of Contract, Optional Form 90 Release of Lien on Personal Property, Optional Form 91 Release of Property from Escrow, SF 1414 Consent of Surety SF1416 Payment Bond for other than Construction, SF1418 Performance Bond for other than Construction to Satisfy/Settle/Close the Account, two days after they received it XXXX XXXX MAILED ME BACK via XXXX everything that they received in XX/XX/2019. They still have the GSA Bond to Satisfy/Settle/Adjust the Account according to the instructions on the bonds
Product: Consumer Loan

I contacted the CREDITOR requesting my original promissory note to validate the loan collection. I have received a copy of the promissory note from them which is counterfeit and does not prove they are the holder in due course and does n't bind me into paying them a dime. I requested that if they can not provide this validation of debt to take their marks off of my credit report to all XXXX credit agencies also to give me the title to my vehicle. They are still sending me letters requesting that I pay them for a loan that is not even validated.
Product: Debt collection

XXXX XXXX XXXX, XXXX at XXXX XXXX XXXX, XXXX, VA XXXX has been sending me collection notices in the amount of {$1200.00}. This collection has been reported as past due balances. I do not know this company. I have never done any business with this company. The company does not have a contract with my signature. 
Furthermore I've filed the original debt in the amount of {$1200.00} as part of my income as required by the form 1099-C sent by the original creditor Synchrony Bank . Lastly, after doing so, Synchrony Bank still sold the debt.
Product: Credit reporting or other personal consumer reports

I Review my Consumer Reports and noticed that I had two late payments on an account that I was never late for Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : ( Account Name : XXXXXXXX XXXX ) ( Account Number : XXXX ) Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER late. Thanks.
Product: Credit reporting or other personal consumer reports

I would like the company to remove a late payment info off my report. The payment did not went through because of the bank system and I have been on XXXX XXXX the pass few months also based on the SCRA my interest rate shouldve been lowered and refunded so therefore this shouldnt be on my report.
Product: Credit reporting or other personal consumer reports

To : JP Morgan Chase I write to advise you that I plan to file a lawsuit against you in the United States XXXX XXXX XXXX XXXX XXXX Florida XXXX XXXX due to your multiple and ongoing willful violations of the FCRA and FDCPA. I need you to provide me with a list of options and preferred options to have the Summons and Complaint served upon you. Please advise me of your registered agent name, address and phone number for service of process in Florida AND all branches, offices, agents, attorneys or representatives in XXXX XXXX, Florida and in any other counties in Florida who can and are authorized to accept service of process. Moreover, after filing a lawsuit, I plan to send you a Notice of a lawsuit and request to waive service of a summons to reduce costs of service and provide you with additional time to respond. This may provide you with additional time to respond, instead of 20 days. For your convenience, please provide me with your preferred address to send such Notice with the Complaint, such as your Legal Department. Local Rules of the XXXX XXXX XXXX XXXX Florida require your counsel to confer with me before filing even routine motions to ascertain whether I oppose or unoppose a motion. If your counsel files a Notice of Appearance before a Clerks Default is applied for and needs an enlargement of time to file responsive pleadings, you may file a copy of this document representing to the Court that I do not oppose up to a 30 day enlargement of time to file responsive pleading to comply with the Rules obligation to confer. However, If you do not provide me with the information requested above and you are properly served with a Summons and Complaint, I will promptly at the earliest date possible file an application for a Clerks Default and a Motion for a Default Judgment.
Product: Credit reporting or other personal consumer reports

My information was recently exposed in a major Data Breach. I checked all three of my Credit Reports and found Incorrect Information on my Experian Credit Report. 

On XX/XX/year>, I sent a Dispute Letter via Certified Mail, asking Experian to FULLY INVESTIGATE AND VALIDATE THE ACCOUNTS ON MY CREDIT REPORT, AND DELETE ANY INACCURATE OR UNVERIFIABLE ACCOUNTS as is my right under FCRA and FDCPA. 

Experian did not perform a good faith, thorough and complete investigation. They did not have time to do this before they began sending me " Results '' stating the Investigation was Complete, and " The Incorrect Account Will Remain on Your Credit Report ''. If Experian found Accounts that they admit are " Incorrect '' they should have been DELETED IMMEDIATELY! By not doing so Experian has violated my rights under the FAIR DEBT COLLECTION PRACTICES ACT 15 USC 1692g and has willfully and wantonly denied me access to Housing, Medical Care and Employment.
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter is in dispute of the Macy 's 30 days late payment that has been reported for XX/XX/2021. 
Macy 's has reported that my XX/XX/XXXX payment was not paid on time. The image below shows the receipt I was given on XX/XX/XXXX when I paid the bill in my local store. It wasn't until my XXXX statement that I was made aware that Macy 's did not process the check and reversed the payment of the XXXX statement making the payment >30 days late. When contacting the Macy 's finance department they claim the check did not process, could not give a reason why and said that I would have to provide a canceled check in order for them to remove the negative credit report because it wasn't their mistake. Since my bank never received the check for payment I can not have a canceled check. Clearly it was Macy 's issue since they received the check and provided the receipt and XXXX balance until the next month when the reversed it. My bank has also confirmed that the check was never processed or presented for payment. It is clear that Macy 's lost the check somewhere between their store and the payment processing and is trying to collect on a mistake they made. This is an unfair credit reporting issue and I am demanding that this negative report be removed as soon as possible. The attached documents below show the receipt and Bank statement.
Product: Debt collection

On XX/XX/2020 I sent certified mail correspondence to the company requesting validation and proof of contract to substantiate their claim. The have not responded to my request. The company also never contacted me prior to furnishing information on my credit report.
Product: Credit reporting or other personal consumer reports

15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX is reporting this information.. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been " validated ', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within XXXX  days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211 : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved.
Product: Credit reporting or other personal consumer reports

Transunion it is your duty to ensure that all information reported is consistent, complete and accurate. You have failed. I have sent three written dispute for XXXXXXXX XXXX XXXX XXXX XXXX XXXX to be deleted for reporting inaccurate information. The FCRA Compliance/Date of First Delinquency is required to be accurate so consumer know when how long the debt can be reported on a consumer report. Delete this account for reporting inaccurate information on FCRA Compliance/Date of First Delinquency is inaccurate XXXX has XX/XX/XXXX, TransUnion has XX/XX/XXXX, XXXX has XX/XX/XXXX. All three can't be accurate or correct. FCRA requires you to fix it or delete it. 

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

Inconsistencies with the items posted on my credit report. 1 or more credit reporting companies did not fully or completely remove the collection off my credit report. Credit reporting agencies were not able to provide proof of applications for any or all accounts.
Product: Mortgage

I have a mortgage from BECU that I want to recast with around 50 % of the loan amount. I initiated the process XXXX XXXX and was provided a letter to fill out initial details about the amount I am paying which I did on XXXX XXXX. 

Since then I was asked to upload the same document on two more platforms ( email and XXXX XXXX XXXX ) and the bank has had me running in circles. I was informed to wait for XXXX business days. I called several times and was told to keep waiting until the entire XXXX passed and then I was informed that the bank made an error to put my recast request for loss mitigation as an error from the bank. I was then asked to wait for 2 business days by the executive resolution team on XXXX XXXX for 2 business days to get a response from recast to take this to a resolution but nothing has happened. The bank is forcing me to pay a higher interest. The bank has yet not been able to provide wiring instructions for paying the recast amount which will take its time. 

Please provide assistance in any way.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I just noticed these fraudulent charges appeared on my credit report and I need them to be removed as they are a fraud. I never give consent or permission to anyone to charge my accounts. please be sure to remove these unauthorized fraud activities out of my report. My wife and I are very affected by this situation, we are trying to buy a house and because of these fraudulent activities, we are not able to make any move. Please consider removing them from my accounts.
Product: Debt collection

I never received any communication from the original creditor or the law office that is now handling this so called debt that they bought in XXXX, and now as of XXXX they have froze my back account. I was never notified to appear in court, never received a phone call or letter stating what this debt is for, and when I try to contact the office nobody is available to speak with me. The lawyer who froze my account is XXXX XXXX. The only reason I know of this debt is because my bank was notified and gave me a copy of the letter that was addressed to them, not me.
Product: Credit reporting or other personal consumer reports

My information was used to apply for a Chase Freedom credit card without my knowledge.
Product: Debt collection

The company keeps calling me all over and over again. Ive told them to stop calling even sent them a letter.
Product: Credit reporting or other personal consumer reports

A XXXX  XXXX XXXX account transaction has appeared on my credit report. The transaction is the result of identity theft. I have no knowledge about the crime. All I know is that the transaction does not relate to me. I have already filed a police report and identity theft report for the crime. I sent a notice dated XX/XX/year> via the mail to inform Trans Union about a crime that has taken place and to block and permanently remove the transaction from my credit report. Unfortunately I have not received a response from Trans Union. I am seeking redress for my instructions to be honored.