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

After having my phone stolen in XX/XX/XXXX, I notified my credit card company and asked that the card be suspended which they did. I was told at the time by a credit card company representative that I could subsequently reinstate the card when I was ready. I was not informed at the time that there would be a time limit within which I would need to take that step. 

When I went on line today ( XX/XX/XXXX ) to pay the balance of a different credit card that I have with the same company I saw that the suspended card account had been closed. I was carrying no balance on the card and there were no unpaid charges on the card. 

When the suspended card account was permanently closed, the credit card company, Capital One, eliminated the XXXX membership points I had associated with the card. I value these points at over {$1000.00} when used to pay for purchases or transferred to membership point partners. 

In discussing the issue with a Capital One representative today, after the account had been permanently closed, I was told that the company had notified me of their intent to close the account. I did not receive this notification prior to the permanent closing of the account and was only able to find the original communication subsequently. 

Of note, the original communication was not in the text of an email. Rather it required me to go to a website link in order to view the document. I have been avoiding these type of links since the original fraud incident due to my concerns about unauthorized access attempts on my email and other accounts. For this reason I did not receive the notification prior to discovering that the account had been permanently closed. 

At no time prior to the closing of my account and elimination of my points did I confirm to Capital One that I was aware of, or consented to, their intent to close the account.
Product: Checking or savings account

On XX/XX/23 I woke up to my accounts being drained by what seemed like a fake merchant. My checking account had 4 transactions for a total of {$870.00}. My credit builder had 4 transactions for {$710.00}. None of these merchant names were familiar and were international charges. I proceeded to call chime and file a dispute, explaining to them what happened. They filed the dispute and told me to reach out to the merchant, and shortly after it was declined. I filed and appeal and requested investigation documents and merchant information since I have no way of contacting them since I cant even pronounce the merchants name and nothing was coming up on XXXX. I also asked for the documents that were used to determine why my dispute was denied. A few days later I received the documents and the denial to the appeal. I was emailed one document that was the intake form from when I originally called. There was no investigation done and no added details that I mentioned on the phone added to the form. I spoke to them after receiving them and they told me to apply for another appeal and provide documents like police reports and communication screenshots. There are no communications because there is no way to contact this international merchant.
Product: Mortgage

I purchased a new home in XXXX of XXXX. We put down 10 % and were required to have mortgage insurance. Immediately after purchasing our home, we completed major renovations - over {$100000.00}. When our renovations were complete in XXXX of XXXX we requested our mortgage insurance be removed. We contacted our servicer, Dovenmuehle to start the process to remove our mortgage insurance. They informed us that we needed to pay for a Brokers Price Opinion and we sent in a check for {$100.00} and the BPO was completed on XX/XX/XXXX and determined our value at {$670000.00}, well over the value needed to remove our mortgage insurance. On XX/XX/XXXX we received our first notification that we needed to pay down the principal balance to remove mortgage insurance, regardless of the new appraised value. It also stated that if we wanted to order a BPO because of renovations we could start that process -???. Over the past 9 months I have had several calls and emails with XXXX, our Servicer and our mortgage company XXXX. XXXX will tell us to contact the servicer and the servicer will tell us to contact the mortgage company. Both telling us it's out of their hands. Now they are saying that it looks like the value is good to remove my mortgage insurance, however, since I ordered my own BPO independently they can not use it. I recently had to email a copy of the cancelled check that was sent directly to XXXX to show the BPO was NOT ordered independently, but as directed by XXXX as part of their process. I am very disappointed in the process and run around I have had throughout my quest to remove mortgage insurance. Both the servicer and mortgage company have pushed me off to the other side and then have given various reasons why they can not approve the removal. 

Purchase Price : {$570000.00} Down Payment : {$59000.00} = 90 % LTV New Appraised Value : {$670000.00} Updated Principal Balance : {$490000.00} = 74 % LTV On a side note, I have 27 years of mortgage experience, so I understand the guidelines and requirements for removing mortgage insurance. I have been VERY patient and my patience has now run out. Throughout this entire process XXXX has continued to send me the SAME paperwork repeatedly telling me that I can petition to remove my mortgage insurance by ordering a BPO if I send in a check. If I were a normal consumer without the experience I have, this would have added to my confusion immensely!! 

XXXX has told me I am able to remove my mortgage insurance and I am not sure what the delay is.
Product: Checking or savings account

Promotional offer was being offered and advertised by JP Morgan Chase Bank to open a NEW Checking account and have an Electronic Deposit made within 90 days to receive a {$300.00} Chase Checking Bonus. 

I open the account on XX/XX/2023 and received confirmation with a tracking number XXXX. I was provided both a routing number XXXX XXXX and an account number XXXX. 

I immediately scheduled to have my Social Security check deposited to this account in order to receive the bonus. SS notified me that the first deposit would be made on XX/XX/2023 well within the 90 day period to receive the bonus. I was even notified by Chase that I had until XX/XX/2023 to receive the Bonus dated XX/XX/2023. 

On XX/XX/2023 I accessed the Chase.com Web site to realize that the account was not established and that my SS Check that I depend on was not deposited to this account. I also checked the SSA.GOV website to verify that the check was sent by SS to the New Chase account. 

In contacting Chase customer service I was put in touch with XXXX a supervisor in the Customer service area. XXXX informed me that the checking account was cancelled due to NO deposits in 60 days. She also informed me that a SS check was received by Chase for the above account but could not be deposited since the account was cancelled by Chase. Her only solution to me was to open a NEW Checking account at that time where they would deposit the SS check but it would NOT be eligible for the Bonus that was promised. 

The purpose of opening the new account was to take advantage of the Bonus of {$300.00} that was to be deposited within 15 days of the electronic deposit. I advised XXXX to return the check to Social Security of which I have to now correct for my XXXX payment. 

There is NO mention in all of the Chase literature that I have that indicates that an account would be cancelled if there were NO deposit in 60 days. Everything indicated 90 days including SS Checks. 

I believe that I had been duped by this false advertisement and now left with determining where my SS Check is. I followed their procedure as advertised and now cheated out of the $ XXXX bonus as well. 

I believe that they could have reopened the original account and honored the {$300.00} bonus as advertised but they refuse to make any correction or offer any advise to correct this besides opening up a new account. 

I appreciate a resolution to this on Chase 's part with dcoffering me the {$300.00} as advertised and promised. 

I can be reached by XXXX Mail at XXXX or physical address of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Thank you, Respectfully, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX 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 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  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 XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

I have disputed this account multiple times. The account is child support I never volunteered to be a part of this program and was coerced into it. Furthermore the dates on the three credit reports dont match as I have uploaded the proof via screen shots of my credit reports and fico reports. 

Also please note that this account is on my report twice. Once as XXXX XXXX and the second time as child support. One saying the account is open and the other saying the account is closed but has an updated past due amount. Both of them are the same account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Transunion Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX XXXX {$0.00} XXXX XXXX CO XXXX {$0.00} XXXX XXXX XXXX {$0.00} XXXX XXXX XXXXXXXX XXXX {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section XXXX ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX XXXX  breach and XXXX have got into the hands of the wrong person.
Product: Debt collection

Subject : Complaint Regarding Fraudulent Practices, Extortion, and Credit Reporting Issues To Whom It May Concern, I am writing to file a formal complaint regarding fraudulent activities and unfair practices that have significantly impacted my financial and legal standing. I request your assistance in addressing this matter. 

Background : On XX/XX/XXXX, I was XXXX to assist with XXXX relief efforts through the Office of XXXX XXXX XXXX XXXX my experience as a former XXXX XXXX XXXX XXXX XXXX Around the same time, my rental agreement with The XXXX XXXX in XXXX XXXX, XXXX, ended. The company released me from my rental agreement, which coincided with the expiration of my lease. This should have been a clean break. 

However, shortly after my departure, several employees of XXXX XXXX XXXX engaged in fraudulent activities targeting residents who were moving out. Acting outside the scope of their employment, these employees, under the implied protection of XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, orchestrated a scheme to defraud tenants. XXXX XXXX reportedly assured these employees of immunity by leveraging her fathers political influence. Both XXXX and XXXX XXXX have since been indicted for defrauding XXXX XXXX taxpayers of over {$10.00} XXXX in a separate fraud scheme. 

Details of the Fraud : The fraudulent activities by The XXXX XXXX employees included : Illegally withholding tenants security deposits. I never was allowed to get {$2900.00} in deposits returned. 
Making extortionate demands for additional payments based on forged documentation, including falsified lease agreements and fake certificates of completion. The caused an additional {$2400.00} in fraudulent credit damage, and this has prevented me from buying a new house or a new car. 

XXXX Proceedings : When I pursued legal action in XX/XX/XXXX to contest these fraudulent claims and recover my deposits, I encountered further injustices. XXXX XXXX XXXX XXXXXXXX XXXX XXXX, presiding over the case in XXXX XXXX XXXX XXXX, issued a fraudulent ruling against me. XXXX XXXX acted under the influence of XXXX XXXX to protect his daughters associates at XXXX XXXX XXXX from liability. 

XXXX XXXX also failed to disclose her conflict of interestshe is an active real estate attorney in XXXX XXXX, XXXX, where I currently reside. I have supporting documents to substantiate the fraudulent court proceedings and the fabricated case outcome. 

Credit Reporting Issues : After the court ruling, XXXX XXXX XXXX employees forwarded the forged lease documents and the fraudulent case outcome to Fair Collections & Outsourcing ( XXXX ) in Maryland. XXXX XXXX, an employee at XXXX, collaborated in this scheme by using the fraudulent documentation to inflict permanent damage on my credit profile.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, mu financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost fund was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission identity theft affidavit. Please find it in your best interest to delete the items 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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 Code 1681b in accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting.

agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Product: Credit reporting, credit repair services, 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights .

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.
Product: Credit reporting or other personal consumer reports

I disputed incorrect information and requested these inquiries be removed immediately, or provide validation for these inquiries which was not provided, and they were not removed. I have expressed having an identity theft report and have tried endlessly to get these removed. They have violated law 15 U.S.C 1691 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ).
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX maliciously reported my payment history for XX/XX/2022. The payment was due on XX/XX/2022. I requested for an extension and was granted on XX/XX/2022. I was told I had 10 days to sign this extension and make the payment. I chose to pay and sign the agreement on the same day XX/XX/2022. I received confirmation from XXXX on the executed agreement and payment receipt on XX/XX/2022. A few days later I was notified from my credit monitoring services, XXXX  reported I didn't make payment so they added a 30 day marker for XX/XX/2022. I spoke with their representative on XX/XX/2022 and file a complaint and investigation into this error. On XX/XX/2022, I was advise they don't care whether it was less than 30 days late or not. As long as it is close to 30 days late, they can add the 30 day marker. I expressed repeatedly it was not a full 30 days because XX/XX/2022 is not a full 30 days. XX/XX/2022 was actually 28 days. They were suppose to wait till XX/XX/2022 to see if I was 30 days late. 

This malicious action has cost me Big and is affecting my livelihood. I need to be able to work in order to make my payments. My score dropped about 50 points. I worked so hard to maintain good credit and in one shot XXXX destroyed ME! 

Please help, they can't violate me and get away with it.
Product: Credit card

XXXX ( XXXX ) XXXX, transferred my credit dept to XXXX XXXX XXXXXXXX XXXX XXXX, since then we have not received any statements indicating what the principle amount applied to the dept. The credit is also no reporting the dept. We have asked for statements since we received a Generic letter stating that we would not make the payment to them. For XXXX months I have made a payment and been given different balance amounts ranging from {$2800.00} to over {$3000.00} to {$2900.00}. XXXX customer service agent explained as its was variable rate and then another that we pay a fixed rate. There is no online portal to view my dept or to see what the amount is. I feel this is fraudulent and need XXXX want to make the total payment but am afraid that the company will not provide proof that the dept is paid. At XXXX point within the last XXXX moths I was also advised I missed a payment which I did not. I paid XXXX payment XX/XX/year> and and the second payment XXXX weeks later to cover the XXXX payment. Every time I ask for a statement or online access they say they submitted a ticket.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a bunch of fraud related accounts on my credit report that these credit bureaus are not taking off Ive made calls send letters.
Product: Student loan

* Due to excessive transferring of my student loan accounts from one servicer to another, I have had difficulty keeping track of who I owe and when to pay them due to inconsistent billing. 
* Billing statements were not sent during the period of the delinquency notations despite calling the various servicers to find out who, how much and when to pay them. 
* The following delinquency reported on my credit reports is inaccurate and the result of Unfair, Deceptive, or Abusive Acts or Practices ( UDAAP ) by the servicer, which is under the purview of the CFPB : 1. 60-day past due delinquency notation in XXXX XXXX without a 30-day past due notation in XXXX XXXX on FedLoan Servicing, XXXX, PA, ( XXXX ) XXXX account. 
2. 60-day past due delinquency notation in XXXX XXXX without a 30-day past due notation in XXXX XXXX on same account.