23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

XXXX XXXX Regarding loan number XXXX XXXX for the estate of XXXX, Mi. XXXX The following outlines the difficulties that we have been having for the last three years with Chase Bank, with regards to the mortgage of my late mother 's home in XXXX, Michigan. 
Shortly after my mother passed away Chase Bank demanded a full reinstatement payment of {$4700.00} which was made on XX/XX/XXXX. 
The following month, we went to a branch location to make a payment and were told that payments would not be accepted, due to the fact that there was no longer a loan. We spent the next three months trying to straighten this matter out with Chase, to no avail, until I personally ran a deed and title search on this property, what I found was that on XX/XX/XXXX, the day after we paid fully to reinstate the loan Chase changed the deed to themselves. This was formally recorded on XX/XX/XXXX. 
We have been embroiled in this matter since then and need your assistance to get Chase to release this loan to me, the property was given to me prior to my mother 's death and we are happy to pay on this mortgage, but Chase is making it impossible to do so. Also, there is a sale date set for XXXX XXXX. 
Please see all accompanying documentation. Thank You for your assistance with this. 
XXXX XXXX XXXX
Product: Credit card or prepaid card

I applied for a Chase " Amzazon '' credit card offer ; received denial letter dated XX/XX/2021 that the account can not be approved due to already have an account of the same type, ending in XXXX. 

This is inaccurate, and I just completed a full credit report, confirming that no such card exists. Therefore, either there is an account fraudulently opened in my name or there is an error.
Product: Credit card or prepaid card

I had received a credit card from Bank of America that I did not apply for. In fact, my credit report with XXXX  was on freeze. Someone was using my information in order to obtain a credit card in my name. The credit card received is a Premium Rewards Card through BOA. When I opened my mail and saw the issue, I immediately contacted Bank of America in order to resolve the situation. I explained to the agent what had occurred along with my confusion since I had a credit freeze applied. The agent then responded by saying " You must not have a freeze on your account. '' I explained that I most definitely do have a freeze on my account and in fact I received a letter from XXXX XXXX about a platinum card that was declined due to the freeze. The XXXX XXXX platinum card was also another attempt at fraud, but apparently XXXX XXXX has better practices than Bank of America. The card issued from BOA was for a $ XXXX credit line and a {$6300.00} cash available. Over the phone the agent said they were cancelling out the card and reporting the issue. I do not think that goes far enough. I had asked how this could happen if my credit was on a freeze. The agent did not or did not want to provide an answer to my question. Instead they relied on a false assumption. I personally could not apply for a XXXX XXXX  XXXX CC in person without unfreezing my account. BOA needs to be held accountable for not using the proper steps to verify credit card application processes. If a consumer has taken the proper steps to ensure their protection, what's the use if the organization does not abide by those rules. This is a serious problem and needs to be addressed. I would like to know what steps BOA took and how a high-end/elite credit card with a large credit line could be provided in such an instance. No red flags??
Product: Mortgage

Mr. Cooper sold our mortgage to XXXX XXXX in XXXX of XXXX. I did not receive the new account info from XXXX in time to timely make the XX/XX/XXXX payment. Knowing that Cooper would forward the payment on to them as required, I let the scheduled payment to Cooper go through. This was an attempt to not be late on any payment. 
Cooper received the payment on XX/XX/XXXX. They did not forward the payment to XXXX but refunded back to my bank account on XX/XX/XXXX. They did this without any notification to me whatsoever. Thinking this payment was made resulted in XXXX dinging my credit for late payments. I, along with XXXX XXXX, I have attempted to get Cooper to account for this issue by contacting them in XXXX. They opened a case on the issue but have not produced anything. Phone calls to them are confusing as we have been given conflicting information every time we have called. Case # XXXX, opened on XX/XX/XXXX, is the Cooper case. Additionally I have been emailing XXXX XXXX at XXXX with information and for status updates with no response. Cooper sent a letter asking for an additional 15 days to review this issue more than a month ago and an ambiguous email last week that in no way addressed the the issue. 
XXXX has stated that a letter from Cooper stating that they did receive the payment and failed to notify me of the refund will go a long way to the removing the missed payments on my credit report. Cooper failed to follow their own policies on this which negatively effected our credit scores.
Product: Credit card

On approximately XX/XX/year>, I was booking flights for XXXX XXXX on their web site and was offerred the Citi XXXX AAdvantage XXXX XXXX XXXX XXXX Mastercard with a {$200.00} statement credit for money spent on XXXX  flights, and a XXXX bonus of miles. 

The terms and conditions of the card ( taken from the web site ), includes the following : " If instantly authorized, credit cardmembers will receive temporary account information and a temporary minimum credit limit. This temporary account information can be used during payment for the current eligible XXXX XXXX purchases at time of checkout to receive the statement credit. '' I applied for the card online and was given instant approval, however, it did not provide a temporary account number to use to book my flight so that I would get the {$200.00} flight credit.

I called support at CITI multiple times to try to get my card number, on different calls, I was told the following things, none of which were listed in terms of service or were true : 1. After applying for the card it did list a temporary number and I just didn't see it ( it was NOT listed on the web page ).

2. I was told if I had waited on that page for about 10 minutes it would have updated and shown me a temporary card number. I don't know if this would have happened, but there were no instructions listed that I had to wait for 10 minutes on the page to see my card number.

3. I was told by another rep that within 2 days, I would be sent an email with a link that would provide me with me temporary card number. I also did not receive this email.

At no time did a representative provide accurate information on getting my card number, and they were unwilling to provide support to find a way to get me my temporary card number.

The cost of my flight kept going up, so I had to book the flight using a different credit card as I could not wait 10 days for it to arrive in the mail. So not only did I not receive the {$200.00} statement credit for using the card for my flight, but I also lost another {$200.00} by waiting to book my flights and having the price increase. Due to Citi not following it's own terms and services I lost out on over {$400.00}.

I now have a credit card I do not want, which was added to my credit history, only because Citi violated it's own terms and conditions.

I am not the only consumer having this issue, you can see others complaining about the same problem in online threads : XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

For over ten years whenever I tried to get my free annual credit report from Equifax they have told me that 'online delivery is unavailable for you '. 

Five years ago I was able to telephone them and browbeat the phone rep into emailing it to me. This is obviously ridiculous in and of itself : if they can't trust me online, they can't trust me on the phone. So clearly they CAN trust me, they just WON'T. 

In 2020 I tried to get it, was unable to again, called them up and asked them how I could resolve this situation permanently, and was told that it was impossible and that if it told me that I could not receive my report online, then there was no way to make it possible, and that I was just XXXX outta luck. I finally sent in something via US mail, and never received the report at all. Because of course I didn't. 

I just tried online again, and they just refused again.
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. 


FRAUDULENT ACCOUNTS : Account Name : 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 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 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 ) ( 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.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

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

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

My personal information have been compromised in a breach on several occasions and I have not authorized this company to sell or transfer any of my information. Please delete any information from XXXXXXXX XXXX XXXX It is reporting on my credit report inaccurately.
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 XXXX XXXX XXXX. 

First Progress : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX  XXXX Bank : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX Bank : # XXXX, XXXX  : # XXXX, XXXX XXXX XXXX XXXX  # XXXX, Kikoff : XXXX XXXX XXXX : # XXXX has violated my rights. XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) 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 XXXX years. XXXX XXXX. XXXX ( A ) ( XXXX ) 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2300.00}, {$15000.00}, {$0.00}, {$0.00}, {$1900.00}, {$5200.00}, {$5200.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, XXXX XXXX, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS XXXX. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2300.00} -This is not my account. 

XXXX. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$15000.00} -This is not my account. 

XXXX. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

XXXX. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

XXXX. XXXX XXXX BANK with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1900.00} -This is not my account. 



-- COLLECTION ACCOUNTS XXXX. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5200.00} -This is not my account. 

XXXX. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5200.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

The problem that I have is according to 15 Usc 1681A ( XXXX ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have paid off the debts and they refuse to remove from my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

transunion not letting me see my credit report b/c of my ftc violation i set up monitoring service that i'm not able to see my credit FCRA violation. XXXX and Transunion has not let me monitor my accounts onlines
Product: Credit reporting or other personal consumer reports

DELETE ALL FRAUD ALERTS XXXX : # XXXX  # XXXX  EXTENDED FRAUD ALERT : ACTION MAY BE REQUIRED UNDER FCRA BEFORE OPENING OR MODIFYING AN ACC OUNT. CONTACT CONSUMER AT ( XXXX ) XXXX Experian : XXXX & XXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY XXXX OR EVENING XXXX. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING XXXX. 
XXXX : FRAUD VICTIM. 'EXTENDED ALERT '. CONSUMER HAS REQUESTED AN ALERT BE PLACED ON THEIR CREDIT FILE. DAYTIME XXXX XXXX EVENING XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have several items after bankruptcy that werent reported correctly, followed by identity theft, unauthorized use, several companies have not reported the disputed amount in the balance, have charged of and reported open balances unpaid, mortgage reported discharged in bankruptcy, paid in full they sold to different lender ( own company tho ) and reported one paid one discharged. Secure credit card was closed by me and agreed security deposit used for balance, no credit for security deposit never closed and late fees. XXXX address not mine just removed ( I wasnt told about as removed when going over outdated or incorrect personal information on the phone ) fraud alert was removed in XXXX after placing the month before not by self. Was told they a tree not required to furnish supporting documents and can only go but what furnished. Score decreases but not information why only noticed if increased score but score is lower than before
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX of this year, I contacted Equifax concerning the illegal tactics that XXXX XXXX was using to attempt to collect money I have no knowledge I owe. The account number of the XXXX XXXX isXXXX. I requested that XXXX XXXX send me the detail of this debt instead of harassing me on the telephone that I owe a {$90.00} medical cost in XX/XX/XXXX. I am yet to receive this detail information. 

Based on my letter to XXXX explaining this issue, I received a letter on XX/XX/XXXX that XXXX XXXX is no longer not reporting on XXXX credit file. Then on XX/XX/XXXX, another letter was sent stating that on this same account from XXXX XXXX that it has reversed itself. 

XXXX XXXX can not use the credit as a means to punish consumer. It must follow the law by sending requested information. And XXXX must maintain it's integrity to consumer. It can not play on our financial lives.
Product: Credit reporting or other personal consumer reports

A bankruptcy has shown upon the consumer report, XXXX, XXXX & Equifax currently is reporting information without consent of the consumer. when question, each entity stated " it is public information & consumer needs to contact company that furnished information. '' The courts presented a letter stating " NO BANKRUPTCY COURTS REPORT ANY INFORMATION TO CREDIT AGENCIES. '' The information STILL remains on consumer 's report & agencies refuse to remove.
Product: Credit reporting, credit repair services, or other personal consumer reports

portfolio recovery associates {$2600.00} i have never done business with this 3rd party and they continue to report past due for 3 years causing much injury to my credit report and livlihood, they have no right to create a debt from an unknown source i have not had credit with in 2018 as showing reported. 

my social security number is not linked to that initial account
Product: Credit card

My Citibank card information was stolen in the XXXX credit card/ personal information breach of XXXX  and {$5000.00} was charged to my account in different states besides the one I live in. I called to report being involved in the breach and asked that a fraud investigation ensue. They did not open a fraud investigation ; they opened XXXX " dispute '' cases of the charges which were both very quickly closed. I run my own business and can prove that I was in my home state with sales receipts over the course of these charges made in other states, but they said they did not need this proof. The history of my card usage is also incompatible with these purchases, which appear to be mostly gift cards that were purchased for {$100.00} each. The last letter closing my second case states that the chip on the card was used and that is why they closed the investigation, but an easy online search that took me less than XXXX minutes found documentation that chips can be cloned. They transfer me from department to department and try to avoid all questions about the state of the investigation, and how their report on these fraudulent charges are being listed as " disputes ''. I really need help handling this. This is a lot of money to try and pin on someone after a documented data breach with my whereabouts easily confirmed.
Product: Money transfer, virtual currency, or money service

I purchased damaged grille on XX/XX/20 from an XXXX seller XXXX. This item didnt meet my expectations so looked up the listing and saw that seller accepts the returns and they were advertised as free. I send the request to return the item and received return label in the email. I shipped it back and waited another 2 weeks for refund. 
Unfortunately I got scammed by this seller. This seller didnt refund me fully. He refunded me only {$70.00} out of {$100.00} ( 100 plus tax ; so-in the end I paid tax on this return, tax on my money seller didnt give me back ). 
I disputed this twice on paypal. First time the dispute was not done correctly and the outcome was rejection due to seller already refunding ( but he refunded partially instead of fully ). Second time I received response form paypal that case is closed due to insufficient documents and inability to get them. Paypal never asked me for more documents and documents I submitted, disregarded ( it was picture of XXXX website stating that seller has to refund fully ). I contacted XXXX and they told me that if I didnt open case on pypal I would get full refund from XXXX. Another thing that makes me wonder id why paypal never refunded to the original payment source but to balance. To protect themselves? 

If paypal has no clue /ability or willingness to properly investigate then they should not manage others people finances. Who controls what they do and whether it is fair and legal? 
Since I was not able to resolve this issue with both companies. I decided I will ask my bank for help and asked for charge back. Hopefully it will not cause my account limitation or the seizing funds from sales I make. Who can I ask for help? Why paypal favors certain seller and dislikes others making decisions in their favor? 

I left this seller negative feedback to warn others that stated seller refunded XXXX out of XXXX and XXXX took this feedback down to protect this scammer. Why?
Product: Credit reporting or other personal consumer reports

After going through my credit report, I identified a few late payments that appear to be billing errors. Could you update my account to remove these inaccuracies? Thank you!