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

Chase Bank arbitrarily took money out of XXXX, XXXX account ( XXXX.. XXXX ) on several occasions starting on XX/XX/XXXX and ending on XXXX XXXX XXXX. I did not owe any money on its associated credit card nor if any debit card. Total amount is {$1100.00} On XX/XX/XXXX, XXXX refunded {$350.00} to XXXX XXXX XXXX credit card account ( XXXX  XXXX ) due to cancellation of auto insurance policy. 
( On/about XX/XX/XXXX, I left USA for XXXX due to Covid-19 ). Chase closed the credit card account without crediting the money back to XXXX, XXXX. 
Thus the total sum is {$1400.00} On XX/XX/XXXX, for the Case No : XXXX, I submitted attachments : XXXX and Chase-XXXX-statements ( 3-pages ) .PDF for your reference. 
This part of statement shows payment items with very irregularity in chronicle-order, in styles, in strange-inconsistent make-up descriptions and so on. For example : {$470.00} was entered three times ; to charge the Account on XXXX with strange description, to reverse to credit the Account on XXXX and to reverse again to charge the Account on XXXX. 
On XX/XX/XXXX, Chase Bank responded to me and to CFPB in a letter stating Chase Bank took {$97.00} on XXXX out of my Corporate Account to pay the the credit card ending in XXXX. Chase did not submit the essential and necessary parts of itemized charges for this total of {$97.00}. I did not owe this amount. In fact the Bank Statement I submitted indicates that Chase reversed and credit it back to the Corporate Account on XXXX. 
Further Chase Bank took much more money out of my corporate Account totaling {$1400.00}, which are not responded. I re-attach herewith ; 4 pages ( XXXX ). I demand that Chase submits the detailed and itemized statements for credit card and if any for debit card to indicate the charge. 
Since XXXX of XXXX Chase has been wrongly charging me on non-flying tickets on my personal Account. One of them : XXXX as a ticket broker refunded {$1700.00} of XXXX XXXX  ticket on XX/XX/XXXX to Chase for my personal account while Chase continued to insist that no such refund ever come until XX/XX/XXXX in a three-party telephone conference initiated by XXXX. I am convinced that there are still other case/cases still existing in the unresolved dispute on my personal Account. Thus about XXXX of XXXX I switched over to other banks and stopped using Chase Bank for credit card and debit card activities. 
Furhther I left USA on/about XX/XX/XXXX my need for Banks in United States diminished while I switched to use my foreign accounts. I deny that I ever re-enrolled on XX/XX/XXXX while abroad for automatic payment on my Corporate credit card when it had once been discontinued previously.
Product: Mortgage

I have a Reverse Mortgage with a balance of {$580000.00} - my home is in the City of XXXX, current assessment is at about XXXX XXXX, Market value is approximately XXXX XXXX. My age is XXXX. 
My monthly statement shows that my negative Principal and interest is {$2400.00} Monthly mortgage insurance Premium is {$600.00} Absolute Mortgage continues to call and offer a refinance. 
Virginia State Corporation Commission # XXXX, I give them all my information, they say nothing is available to refinance to remove the MIP ( I do not want any cash out! ) because of my AGE!! 
But they continue you to call and offer to help me refinance. 

My loan increase at just under $ XXXX per year ( including PI+MIP ) at that point it would take - 10 years to even approach XXXX - I would be XXXX old! 20 years to come up to my 2019 assessment when I am XXXX! 
And still, they continue to call weekly to off a refinance package. 
This company trades in deceptive solicitation, and probably age discrimination.

BTW, I live with in a 10 minute drive of the XXXX campus.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to bring to your attention a significant error on my Equifax credit report, which is negatively impacting my financial opportunities. My correct name is XXXX XXXX, and my current address is XXXX XXXX  XXXX XXXX XXXX, XXXX  XXXX. However, the Equifax credit report is displaying the name XXXX XXXX and an incorrect address of XXXX XXXX XXXX XXXX XXXX, XXXX, NH XXXX. 

I have already contacted Equifax multiple times to address this issue, providing them with the necessary documentation to verify my correct name and address. Unfortunately, despite my efforts, Equifax has failed to correct this error and ensure that my credit report reflects accurate and up-to-date information. 

This erroneous information has caused significant difficulties for me, particularly when attempting to obtain credit. Lenders and financial institutions rely on accurate credit reporting to assess my creditworthiness and make informed decisions. The incorrect name and address on my Equifax credit report have created confusion and inaccuracies, resulting in denials or unfavorable terms for credit applications. 

Equifax 's failure to rectify this error is not only a violation of their duty to ensure 100 % accurate credit reporting but also a violation of the Fair Credit Reporting Act ( FCRA ). As a consumer, I rely on the credit reporting agencies to maintain accurate and reliable credit information, and Equifax 's inaction has severely compromised my trust in their services. 

I kindly request your intervention in resolving this matter promptly. It is crucial that Equifax corrects the name and address information on my credit report to reflect my accurate and current details. This will not only restore the integrity of my credit report but also ensure fair and accurate evaluation of my creditworthiness by lenders and financial institutions.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been a battle going through this and I am writing to delete the following accounts in my file. The accounts I need to be deleted are listed in the report.I ask that the accounts be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and attach the said report. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged ones with the accounts listed below showing on my credit report. I, therefore, request that you immediately remove these accounts from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. Please delete the accounts as soon as possible. 
DEPTEDXXXX  XXXX XXXX : {$7100.00}, DEPTEDXXXX XXXX XXXX : {$3600.00}
Product: Credit card

XX/XX/XXXX I received no benefit from this " transaction '' that shouldn't have been on my consumer report for I was never disclosed my right to opt out for anything to be reported per ( FCRA ) 15 USC 1681A ) ( D ) ( 2 ) ( Exclusions ) " " containing information solely as to transactions or experiences between the consumer and the person making the report. So, why does it reman on my consumer report Seems there is another violation to the Privacy Act of 1974 that I would in good faith notice these to be used to cause me damage and dis- ease for I thank you for your compliance with Federal Law and state all my rights reserved..
Product: Consumer Loan

I made a change to the withdrawl date of my car payment, last time I had chosen to change the date I had spoken to XXXX that informed me I had the option do so so myself online and make changes without having to call the office. I took it upon myself and followed through online, I came to find out today that there were XXXX withdrawls on my account which are not authorized. I called the financial institution and was told XXXX XXXX that I had set up XXXX accounts, the rep cancelled the 2nd withdrawl but informed me that it was my fault therefore there was no refund to be made.She apologized for the miscommunication but that is not what I had been told.
Product: Debt collection

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Formal Complaint and Demand for Immediate Removal of Inaccurate Credit Reporting To Whom It May Concern, I am writing to formally dispute the negative item that your company, XXXX XXXX XXXX XXXX, has reported on my credit file. This inaccurate and unjustified reporting is significantly impacting my ability to obtain credit and secure housing for my family, which constitutes material harm. 

Pursuant to 15 U.S.C. 1692g of the Fair Debt Collection Practices Act ( FDCPA ), a debt collector is required to provide written notice of the debt within XXXX days of initial communication. I have never received any notification regarding this alleged debt, nor have you provided validation that I owe this debt. Your failure to comply with these requirements invalidates your ability to continue reporting this debt under 15 U.S.C. 1692e ( 8 ), which prohibits the reporting of inaccurate or disputed debts. 

Furthermore, under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681s-2 ( b ), you are obligated to investigate and correct inaccurate information upon dispute. Given that you have not fulfilled your legal duty to notify me or obtain my consent, this negative item must be removed immediately. Additionally, FTC v. XXXX XXXX XXXXXXXX ( XXXX  ) and other relevant case law confirm that failure to comply with federal statutes regarding debt validation and notice renders your reporting unlawful. 

DEMAND FOR ACTION : XXXX. Cease and desist all reporting of this debt to credit bureaus ( XXXX, XXXX, and XXXX ) immediately. 
XXXX. Provide written confirmation that the negative item has been removed from my credit report. 
XXXX. Cease any further attempts to collect on this debt without proper validation. 

Failure to comply will result in my formal complaint to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the XXXX XXXX XXXXXXXX XXXX, as well as potential legal action for violations of the FDCPA and FCRA. 

I expect your prompt attention to this matter and a written response within XXXX  days confirming the removal of this item from my credit report. 

Sincerely, XXXX XXXX XXXX
Product: Debt collection

I want to add the checks front and back to show it was Blitt and Gaines processing two checks from me.
Product: Credit card

Amex keeps sending me spam about expiring Amex offers to both my and addon card accounts. The email addresses are XXXX and XXXX I have tried to have these emails stopped twice but customer service have no idea about how to do so and they FORCED me to agree to : 1. American Express will not provide Merchants and third parties with your updated Card information if your expiration date or Card number changes or if your account status is updated, including if your account is cancelled '' 2. We may extend you marketing offers when you call or chat in with Customer Service. 

This choice overrides any prior request to stop receiving marketing offers for this account only when you call or chat in with Customer Service. 

I DO NOT agree to the above but just want them to stop spamming me. They were able to do this for my old email address XXXX but started spamming me again when I changed my email address.
Product: Credit reporting or other personal consumer reports

I'm a victim of identity Theft. My information has been exposed in the XXXX data breach. The following inquiries and addresses are not affiliated with me nor are they authorized by me and I would like them to remove from any affiliation with me immediately. 
XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XX/XX/year> XXXX XXXX  XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year>
Product: Mortgage

I have been contacting my lender, specifically XXXX and left dozens of messages without a single callback or communication from them for over a month. 

I have offers on the house, and am trying to get them to work with me on a short sale.
Product: Credit reporting, credit repair services, or other personal consumer reports

On about XX/XX/20 there was a rental credit check pulled from XXXX XXXX and some how I got denied rental due to inaccurate information on my credit report of an civil judgement against me which is false inaccurate information this has been deleted from my file years ago due to there was no judgement against me I have never been evicted in the history of me renting please remove from my credit file this is on experians file so I called experian today XX/XX/20 to inquire and they stated that they don't see such file on there side there is no report filed that was a civil judgement against me so how is XXXX XXXX seeing this on my report if u look at all my disputes in the past this was one of them i disputed and it was removed and I have no judgements on my record from ither credit bureau why is this still showing up it needs to be removed immediately u will see in the photo its clearly from experians report and I have my proof that it was cleared as well if its needed its call XXXX XXXX XXXX case number XXXX XXXX XXXX XXXX XXXX in amount of XXXX $ i have my solid proof it was settled the same day it took 10 minutes in the hall way of the court this should not be on my credit report we never stepped foot in the courtroom for a judge to even bring a judgment against me so im baffled as to why its there
Product: Money transfer, virtual currency, or money service

I created a PayPal account around last year ending, I didn't use the PayPal for a while here is the PayPal main XXXX. so today I decided to make use of the PayPal account, received XXXX $ and decided to link my bank to account, after linking and confirming my bank account successfully, my account was limited, after providing all the information required, my drivers license and personal data, I got another limitation, I was asked to confirm the bank again, which I did, and also reupload my ID, which I also did, but this time when I uploaded the ID, it didn't take 1 second I got a mail saying we are unable to continue processing payments for this account. This is very bad and sad considering I've uploaded all my personal data on this platform. I'll like if my account can be restored to full functionality
Product: Debt collection

I   XXXX   XXXX   am entitle d to the same benefits of the  2015  modification to reporting of medical debts just as any other American consumer. In  2015 , I was involved in a near fatal work related accident. My  XXXX  insurance will eventually cover  XXXX  % of all medical claims, but while I was recuperating for ov er 18-months, severa l medical companies, hospitals and emergency services took the liberty to simply turn over medical balances to medical collectors, who in turn did not give me the benefit of a  180-day w ritten notice that after the  180-day n otice expired the balances could be reported on my credit bureaus. Every company I will post with the CFPB has violated my rights under the CFP B  XXXX - XXXX -  XXXX   XXXX   a greement of  2015 . All  medical collections  must be removed immediately by all medical debt collectors, and I must be send a 180-day notice, so my insurance can work on resolving all claims. REMOVE AL L MEDICAL COLLECTIONS  AS MANDATED!!!
Product: Credit card

For XXXX and XX/XX/2024, XXXX has reported me to XXXX credit report as late. I was never late. They had inaccurate information and I had no access to update it myself. I finally got someone on the phone to get me into the portal and paid everything owed to eliminate any more derogatory marks on my credit report. I had a case XXXX never processed very rude gentlemen heavy accent asked for a manager he hung up on me. 

Called back again case XXXX told would look into this again just like the first man. I do believe this one might look into it and have it processed, but I have been going back and forth with XXXX XXXXor 1. access to pay my {$XXXX} fee 2. remove late payment marks from my credit report I was never late it was not my fault.
Product: Mortgage

We got approved for our loan modification ( after trial payments made ) XXXX and paperwork was signed and turned in XX/XX/XXXX. The process is still not complete we can not get a straight answer not to mention we have not been able to get an accurate payoff since XXXX. No one can explain or answer questions not to mention they keep asking my husband if we want to foreclose even though our payments are being made on time. We are also getting XXXX on our taxes cause they have not applied any payments to our mortgage since XXXX so we can not claim mortgage interest and full escrow on our taxes. The mortgage company keeps saying they sent us a form to refill out but wont send another one saying it shows we received it. They will not provide us that tracking number either. I think they are hoping we cave and give the house back as it is not normal for a bank to ask if you want to foreclose as you are making the payment. We need help!!!!! The bank is Truist formerly Suntrust. I have also reached out on social media and they just lie to us.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Equifax regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX XXXXccount Number : XXXX Dates of Late Payments : XX/XX/XXXX and XX/XX/XXXX Nature of Complaint : I submitted a dispute to Equifax disputing a late payment reported by XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment made within the 15-day grace period : My payments were made on time, which falls within XXXXXXXX XXXX 15-day grace period. Therefore, the account should not have been reported as 30 days late. 
System processing error : I submitted my payment through the XXXX account portal. However, due to a system delay, the payment was not processed until after the due date, even though it was submitted on time. I was not notified of this delay until after the reporting of the late payment. 
Evidence provided : I have attached bank statements and payment confirmation emails showing that the payments were made on time, demonstrating that the late payments were caused by a processing error and not a failure to pay. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Equifax has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of human trafficking. I had requested for Experian to remove ( block ) the account XXXX XXXX XXXX XXXX from my credit due to me a victim of human trafficking. The account was removed and re-Reported back on my credit file. I called XXXX XXXX and she told me she could only remove the item with a police report stating I am a victim of human trafficking. I am asking that I am protected under the Human Trafficking XXXX XXXX. I am very XXXX. I have been XXXX XXXX XXXX  by the people finding me again and need to relocate. Due to the account being on my credit report. I am going to be going to the XXXX XXXX XXXX XXXX  if this is not resolved and I will be seeking to sue Experian for XXXX plus in damages for emotional distress, against a credit bureau under the Fair Credit Reporting Act ( FCRA ). If I get killed for still being in the same location and area, my family will also sue Experian for not assisting me with my request to remove the items. I will attached proof I have been robbed. I have to live in fear because of Experian.
Product: Credit reporting or other personal consumer reports

On my credit report there are many inquiries from companies for auto loans and credit cards that I never personally made such as 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 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: Debt collection

I filed bankruptcy XX/XX/XXXX and had all debt discharged. I have a person trying to tell me criminal action is being pursued against me for a returned check that was included in the bankruptcy discharge. I notified all creditors that the bankruptcy was filed. This particular person/agency continues to call after 3 years of the bankruptcy being filed and discharged. The latest call was made onXX/XX/XXXX and I was threatened with criminal charges and told contacting my attorney would be pointless that the charges would be filed any way and that I would be recorded as non-compliant in the matter. The person also hung up on me rather than having a discussion. The person/agency never gives a name, just that they are from the Fraudulent Department and leave a call back number.