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

I am writing to express my frustration and disappointment with the several unsuccessful attempts to remove fraudulent items from my account. Despite my repeated efforts to address this issue, I have encountered significant obstacles and delays in their removal, which is deeply concerning. 

I have identified multiple fraudulent items on my account, which I believe to be the result of unauthorized activity or identity theft. These fraudulent items not only compromise the security of my account but also undermine my confidence in your company 's ability to protect my financial interests. 

I have diligently followed your company 's procedures for reporting and disputing fraudulent activity, providing detailed information and supporting evidence for each instance. However, I am dismayed to note that these fraudulent items persist on my account, despite my persistent efforts to have them removed. 

I urge you to prioritize the immediate removal of these fraudulent items from my account and to conduct a thorough investigation into the source of these fraudulent activities. Additionally, I request regular updates on the status of my complaint and the actions being taken to address this issue. 

Failure to resolve this matter promptly will not only impact my financial security but also reflect poorly on your company 's reputation for customer service and reliability. I trust that you will take swift and decisive action to rectify this situation and restore the integrity of my account. With this, I am asking for your assisstance to remove these fraud items in my credit file : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Due to a loss of income i have reached out several times to HSBC to reduce my mortgage rate. all they have been doing is extending the term which is putting me in more and more death. i can not understand why as a consumer trying to do the right thing and not fall behind on my mortgage they are not able to assist me. All i want is a permanent fixed low interest rate. I have even hired lawyers spend money, and all lawyers tell me is that its difficult with HSBC you have to fall behind for them to reduce your rate. My credit is already not good, i have credit deaths so why would i want to increase that i also have a kid that i have to show some sort of example for. Why when im trying to do the right thing and not fall behind i am unable to get the necessary to have a roof over my daughter head. I am sure im not the only consumer having this issue.
Product: Credit card or prepaid card

XXXX We contacted Capital One about the account and they told us that they did n't have any record of the account because they had turned it over to a collection agency. We then contacted that agency and they said that they did n't have it anymore and that Capital One had taken it back. We then called Capital One back and they said that there was no payment ( s ) needed because the account was basically forgiven. At this time we thought everything was on the go so we proceeded on trying to purchase a house. 



XXXX/XXXX/XXXX I got a call from the lender today stating that we had an issue with the Capital One credit history in the amount of {$660.00}. The lender said that we needed to get the 90 and 120 day late payments that Capital One reported to the account off and why on the credit report it states that the status is a " Profit and Loss '' account. I called Capital One in regards to this and they stated that they do n't report Profit and Loss, but they could not explain why. I then asked them to remove the 90 and 120 day late payments off because at the time they closed the account I was the only one working at home and I was put in the hospital for 1 week and out of work for 3 weeks. During this time we were trying to catch up on the behind payments but just was n't able too due lack of funds. At this time they stated that we were in a dispute with them that was not resolved but they reported that it was. When we contacted them about removing the late payments all they said was they would get in touch with their credit department and make sure it was n't misreported. So I called XXXX XXXX and stated a new dispute with them against Capital One on these matters. I need these matters taking care of ASAP so that i can go forward with the closing on my new home mortgage. This is the only thing holding us up at the present time to get the loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX SS XXXX DOB XX/XX/1979 I AM REQUESTING A PROOF OF CLAIM DUE TO FRAUDULENT ACTIVITIES ON MY CREDIT FILE. I REQUEST THE FOLLOWING ACCOUNT SEND ME LEGAL DOCUMETATIONS : XXXX XXXX # XXXX, XXXX XXXXXXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX  # XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX, XXXX # XXXX XXXX XXXX XXXX # XXXX. 
This is this complaint is submitted Under OHIO LAW U.C.C1319.12 Taking assignment of debts States ( C ) No collection agency shall commence litigation for the collection of an assigned account, bill , or other evidence of indebtedness unless it has taken the assignment in accordance with all of the following requirements : Credit contracts are non-assignable even if the contract has a clause for assign ability because it violates contract Law. Where there is no fair valuable consideration given, the contract or agreement is void ab inito. The debt is non-transferable. If it is a contract for credit or goes to the character of the parties, it can not be transferred or assigned. No state can make a law impairing contracts, Under OHIO LAW U.C.C 1319.12 Taking assignment of debts ( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation. The written agreement also shall disclose that the collection agency may consolidate, for purposes of filing an action, the assigned account, bill, or other evidence of indebtedness with those of other creditors against an individual debtor or co-debtors. Dartmouth College v. Woodward 4 Wheat 518 : White v. Hart, 13 Id 646. Once the Creditor writes off a debt, it can not be assigned or Collected. Since this is an error I demand that you send me the following proofs. As you are obligated to do in accordance with the Fair Debt Collection Practice Act. Section 1692 ( g ) : Under the Law, FDCPA, Section 1692 ( g ), you have 30 days to supply these proofs, if more time is needed please contact me by certified mail and I will extend you 15 extra days. I also request to see a certified copy of any contract or agreement between you and the original creditor that gave you the right to collect this debt.
Product: Consumer Loan

My complaint is about Professional Financial Service. They refuse to give me that information. I 've had problems with this company before. I had to call my local whistleblower to get my car back. They illegally repossessed my car and then tried to charge me XXXX times the amount that i owed. This was all over insurance no missed payments. I paid what was owed minus the tow fee which the President said i could pay at the end of the term. I have paid my car off and as of today i have not received my title. To make matters worse they charged me a extra XXXX in late fees. When i call the company there very rude and dont want to listen. I asked if they could switch payment dates to the day i was paid and they refused which they have a right to do. I had XXXX late payments per there contract if the vehicle is used for personal, family, household etc ... the late payment should not be over XXXX. I use the vehicle for all of the above. For XXXX late payments the fee should have been XXXX which i paid at the end of my term a long with the tow fee and the last payment for the month. This was all paid in the month of XXXX. I received a phone call after that saying that I owed a extra XXXX. When asked why she was rude and said they charged me interest on my late fees. I told her thats not what the contrat stated. She said pay the fee or there coming to repo the car. I paid that fee also. I have no clue of what that was for but i paid because i know they will come get your car. I have a copy of all my money order payments and a copy of there contract. My insurance agent also notified them that i had insurance yet they was still charging me for that also. I have all documents. As of today i have paid all fees and fees that i was not suppose to pay and I still dont have a title.
Product: Debt collection

Appears to be a wrongful account, accounts was process online with my information illegally. I connected without the company with no resolution. This company has also connected my place work.
Product: Debt collection

My name is XXXX XXXX My Account number XXXX I was a victim of identity theft in XXXX Georgia, I also did three months in XXXX, because someone was using my ID and max out my bank cards and credit cards, I lost my wallet one night when I went out with my friends from college, all my cases were dismissed and I am getting reimbursed, now Im trying to fix my credit
Product: Credit card

I am filing a formal complaint regarding unauthorized charges on my Best Buy credit card, issued by Citibank NA. Nearly {$1000.00} in fraudulent transactions were made to a scam website, XXXX, reportedly based in XXXX and known for fraudulent activity. These unauthorized charges pushed my account over the credit limit. 

I promptly disputed these charges, explaining that I believe someone gained unauthorized access to my personal laptop, which contains my email and credit card information. Despite my explanation, Citibank denied my dispute, claiming that the account on the scam website was linked to an email address I may have owned. This, however, does not prove that I made these purchases, especially since I explicitly stated in my dispute that this access was unauthorized. Under U.S. law, I can not be held liable for charges I did not authorize. Despite multiple attempts to resolve this issue with Citibank, they hav
e refused to reverse these charges or offer any assistance. I can not reasonably be expected to pay for transactions I did not make.

I respectfully request that the CFPB investigate this matter and ensure that Citibank complies with federal consumer protection laws.

Desired Resolution : 1. Reverse all unauthorized charges made to my account.

2. Remove any over-limit fees or penalties caused by these fraudulent charges. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Mortgage

I think it was XXXX, I tried to modify my loan and did everything they said to do. I saved it from auction 14 times to try to save it. I finally had to sale my family home that my grandparents bought brand new in XXXX
Product: Credit card or prepaid card

I am a member that was affected by the disgusting and illegal debt collection practices Navy Federal Credit Union conducted. The XXXX ruled that Navy Federal Credit union compensate " members '' that were affected by their disgusting and illegal debt collection practices, such as locking me out of my checking account if I missed one credit card payment. I contacted Navy Federal Credit union to alert them that I was a " member '' affected by their disgusting practices ; and I was told by a supervisor that they would audit my accounts affected and I would receive a letter in the mail. 13 months, and several attempts to contact Navy Federal Credit union about the matter I still have not received a letter nor compensation. My question now is did Navy Federal Credit union contact all " members '' alerting them of the XXXX ruling? Why did I not receive a letter?
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed a repo with the credit bureaus and XXXX of them XXXX and XXXX removed the item and TransUnion is still reporting this information. Not only without my consent also they are obligated to remove any items that are removed by XXXX and XXXX. I called and they did nothing. I wrote to them and they did nothing.
Product: Checking or savings account

Hold on my account for 3 years. I written a letter to close the account. I spoken with the bank on the phone. I visited in person. Still refuses to close the account and give me my money. They are trying to send the money to the state of XXXX  for unclaimed money. The had refuse to talk to me and release my money to me. I have gotten sick and stressed out over this situation for no reason.
Product: Credit card or prepaid card

I am disputing a charge of {$4800.00} dated XX/XX/2017 on my Citi XXXX XXXX XXXX and to complain that on two separate occasions Citi representatives blatantly lied to me. On XX/XX/2017 my daughter, who is a cardholder on the account, was called by an individual claiming to be from the IRS. In what we found out later to be a scam, he instructed her to pay the IRS {$4800.00} in XXXX XXXX gift cards. He told her not to speak to anybody at all about this or she would be arrested immediately. My daughter went as directed to the XXXX XXXX in XXXX, NY and charged that amount on our XXXX. Citi texted me a fraud alert and shortly afterwards my daughter texted me begging me to approve the charge. She is a very responsible and intelligent adult who fell into the trap of a professional scammer. I did authorize the charge because I did not have the slightest knowledge that this was a scam at the time. She was later directed to go to XXXX, where the store personnel helped my daughter conclude that this was a scam and she promptly called and provided me with all the details described above. It was then that she disclosed that just minutes before using the Citi card she was ordered by the scam artist to purchase other gift cards and she maxed out her own personal XXXX XXXX XXXX to do so. 

Once I was given this background information, I immediately contacted Citi customer service. I spoke with a gentleman whose name I believe was XXXX, and he advised me to cancel the current card and get a new one. He said this was the safest way to ensure that the charge was unconditionally removed from our account. This was a total lie because Citi later held me responsible for paying the {$4800.00}. A few days later, after we received our replacement cards, my wife called Citi customer service to confirm that the charge had been erased and she was told not to worry and that we would not be responsible for the charge. That was the second total lie that Citi told me. Citi reviewed the phone conversations and completely agreed with my account of the conversations with the 2 representatives. 

I sent a letter to Citi 's Office of the President and they denied my claim to have the {$4800.00} charge removed from my account. The lies from Citi representatives are indicative of deplorable customer service and I am contacting the CFPB in the hope that this can be resolved. Hopefully this will also serve as a warning to other clients and potential customers that Citi does not keep its word and honor their commitments, even for this account that has been paid off in full consistently over forty years.
Product: Mortgage

I have a XXXX loan with Ocwen Loan Servicing. Back in XX/XX/XXXX, I applied for a loan modification and refused the offer. I did not send the paperwork back nor did I agree to the terms verbally. I continued to make my payments every month in the amount of XXXX. After I told them that I was trying to refinance my loan, the company begin an harassment everyone month, when they did not receive my payment after the XXXX day of the month. The company held my XX/XX/XXXX payment because they said that I was on the loan modification program and I continued to tell them that I have never accepted so, they withheld my payment and did not post to my account and reported to the credit bureau that I was late so, now my credit has dropped points due to their mistake and their retaliation against something that I would not agree to them. This company is a very dishonest company and they are bullying their customers and will take any measure to have them stay with their company. I am requesting that they fix my the credit report to credit bureau 's all three immediately. They have no grounds of reporting negative data to the credit bureau if they do n't receive the payment within the 31 days of when the loan is due. I have bank statements that track my loan and they have the loan payments in the system that have these documents as well. Last, I would like for them to decrease my interest rate to 2 % for the remainder of the loan.
Product: Credit card or prepaid card

1. I closed the Gap/XXXX XXXX about 3-4 years ago, maybe longer. I didnt get any statement since then till XX/XX/XXXX. And forgot completely about the card until XX/XX/XXXX. 
2. I received a statement on XXXX XXXX. The statement had a balance but didnt indicate what it was for, because it was not a current charge then. I called and asked the representative and found it was for XXXX XXXX. I thought it was my mistake, and paid around {$170.00}. And then closed the account ( Still XX/XX/XXXX ) 3. I received no statements from XXXX XXXX. 
4. I received another statement XX/XX/XXXX ( I closed the card twice! ). It had a " previous balance of {$150.00} '' and " fees Charged '' of {$37.00} and " Interest Charged '' of " {$3.00}. 
5. I called and said I wanted to dispute the charge.

6. The call got dropped.

7. I called back but wasn't able to log into the system. My birth date and card number didn't let me speak to the representative. Their phone system cant find my record, which it was able to on the first call.

8. In XX/XX/XXXX, I get another statement, with additional amounts of " fees '' and " interest charge '' I called XXXXXXXX XXXX again XX/XX/XXXX. Exact same thing happened from step 5-7.

9. I try to log in at the website but didn't know neither id nor password. ( Tried to register but the system wouldnt let me ) Usually if I dont know id or password, they would still let me log, by emailing me the temporary password but this system will not operate in such a way.
Product: Credit reporting or other personal consumer reports

This is one of my multiple attempts to notify credit bureaus that I am a victim of identity theft and that I want to query certain records in my documents that resulted from the crime. The documents I'm looking at have nothing to do with any transactions involving goods, services, or money that I've made or approved. Assuming no one cares, remove any material in my credit report that was obtained through alleged fraud or extortion. 
XXXX XXXX XXXX BALANCE : {$18000.00}
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. 

Account name XXXX XXXX XXXX XXXX  Account name : XXXX XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX Account name : 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 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 card or prepaid card

I was charged excessive fees for credit card transactions. A California-based website, XXXX, processes transactions from their XXXX location, not known to me at the time. This resulted in international transaction fees. Also, the merchant recently changed their merchant category code ( MCC ), which resulted in cash advance fees. This totals 7 % for the same transaction. There were five from XXXX   and one from XXXX. These were all online, not at an ATM or bank where Ill expect cash advance fees. The credit card agreement does not make it 100 % clear under the fees section that multiple fees are possible for the same transaction. It seems to suggest that international transaction fees are only for purchases and not cash advances ( since that has its own fee ).
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Account # : XXXX, is still reporting incorrectly. This account has been PAID IN FULL and CLOSED by " XXXX '' from XXXX XXXX. 

XXXX XXXX XXXX XXXX is still reporting my credit card balance as {$1000.00} on both XXXX and TransUnion but has been paid down to a balance of {$36.00}. Account # : XXXX
Product: Checking or savings account

Company closed my account and still have not sent my funds thats in the account.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX is furnishing account information to XXXX and EQUIFAX regarding an account which I have no knowledge of. I have never done any business with the company and have never signed any contracts with the company. 

The company has obtained my personal and financial information without my consent and is using my information without my consent. 

I contacted the company via CFPB to cease utilizing and furnishing my personal information. They have responded and agreed. 

Their response is attached to this complaint.
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 : XXXX 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 the blocking of the erroneous information that 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, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XX/XX/XXXX XXXX XXXXXXXX Balance : {$570.00} XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block 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.