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

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$3200.00} ; XXXX XXXX XXXX
Product: Mortgage

XXXX ( NMLS # XXXX and Nationstar Mortgage are dishonest and use false advertising to get customer. XXXX told me that I qualified for a 3.8 % refinancing. When I decided to us him, the final interest rate was not 3.8 %. He will the low interest rate to attack customers. When I ask him what changed, he will give you the attitude and say " this is how it works ''.
Product: Payday loan

I had to close my bank account due to fraud commited. I contacted the payday loan company to advise them of my situation and to offer a settlement to close my account. I have attached the supporting email. I have never been contacted back by this company. I received a phone call today from a collections agency, XXXX XXXX XXXX, XXXX XXXX, XXXX. XXXX XXXX XXXX, New York XXXX Tel : XXXX XXXXXXXXXXXX stating they are going to serve me papers on XXXX/XXXX/2015. I attempted to contact the XXXX company with no response.
Product: Money transfer, virtual currency, or money service

JP Morgan Chase duplicated a XXXX payment requested XX/XX/ for {$100.00}, by charging the counterparty TWICE on XXXX when only a single request was made. The {$100.00} was credited from counterparty 's account twice, and debited to mine twice. 

In reaching out to JP Morgan Chase, their phone line had a 60 minute estimated wait time with no option for a callback. They do not have an active customer service email address. 

Further, since this is a XXXX payment to JPMorgan from XXXX, JPMorgan should be responsible for repaying the counterparty the {$100.00} that was inappropriately charged by JPMorgan to the counterparty 's XXXX account. My account balance should not change as this is solely the error and responsibility of JPMorgan.
Product: Credit reporting or other personal consumer reports

I received a copy of my credit report and found the following items to be in error : XXXX  XXXX : Account Number : XXXX No Closing Date : This account is CLOSED but reports no closed date. 
High Balance Amount : {$0.00} High Balance is being reported on my credit report.

Inaccurate information is being reported on my credit report.

Please REMOVE this account from my credit report immediately.

By the provisions of the Fair Credit Reporting Act, I demand that the above account be removed from my credit report. You should report accurate information when you receive it from the creditors.

I understand that under 15 U.S. Code 1681s-2 ( 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 ), you must remove any incorrect information from my credit report within 30 days of receipt of this letter.
Product: Credit card

The Amazon Rewards Visa card through Chase allows for redeeming points in a number of ways, including cash back. This can be either as a statement credit or transfer to a bank account. When selecting a bank account, the screen warns that the bank information will be used only for this single transaction and to store the information permanently to reuse, go to Profile and Settings. However, nothing under Profile and Settings allows for that and there is no apparent information about a different way to do it. When I contacted Chase, I got mostly confusion and no resolution. By the way, part of the reply, such as it was, has been voice mail supposedly from Chase ( seemingly really from Chase ) asking me to call the person back at a number given. This is, of course, an awful practice because it lends legitimacy to scam calls but I called back once, anyway, got voice mail, left a message, and did not hear back.

It may be slightly cynical but I suspect Chase and/or Amazon may be intentionally creating some friction in getting cash back to a bank account in order to steer customers to redemption options that are cheaper to those companies in some way.
Product: Credit reporting

Experian is reporting inaccurate information on my credit report that needs to be deleted. 

Incorrect Names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Incorrect Social Security Numbers : XXXX XXXX XXXX Incorrect Addresses : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaintagainst Cash App ( BlocK Inc. ) XXXX XXXX XXXX XXXX Co ustomer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. 
Furthermore, their dispute resolution proces* a XXXX was untair and deceptive, as they id nol comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit card

I WAS CONTACTED BY THE COMPANY CAPITAL ONE STATING I HAD AN OUTSTANDING BALANCE ON A CREDIT CARD I HAD WITH THEM AND THE CREDIT CARD WAS SENT TO THE ADDRESS XXXX XXXX XXXX XXXX, XXXX, TEXAS, XXXX. I INFORMED THE COMPANY I HAVE NEVER OPENED NOR APPLIED FOR A CREDIT CARD WITH THEM AND I AM NOT FAMILIAR WITH ANY ADDRESS IN XXXX TEXAS BECAUSE I HAVE NEVER LIVED IN XXXX. THEY THEN GAVE ME INSTRUCTIONS TO FILE A REPORT WITH THE FTC AND LOCAL POLICE DEPARTMENT.
Product: Checking or savings account

On XXXX XXXX Money was taken out of my account it was XXXX transactions the first transaction was XXXX and the second transaction was XXXX and the thirds transaction was XXXX which has my account in the negative and I immediately contacted chime and report it to them that it was an unauthorized transaction and that it wasnt me and chime open a dispute for me and I was denied because they are saying no error occurred and this is not the first time I keep getting scammed and chime just keep allowing it too happen and they wont give me my money back and I already had a police report
Product: Bank account or service

Today I went to chase bank in XXXX XXXX at XXXX to open a bank account. I was told to have a seat and someone would be right with me. After waiting about 25 minutes I wanted to ask if someone was available to help me, so I approach a young blonde female and as I approach her window she walked away to talk to a young XXXX XXXX female. As they were smiling and trying to avoid me I felt so upset I walked away but as I was walking away I noticed the blonde female walking back up to the window so I head up to the window again and as I 'm walking towards her I notice the young XXXX XXXX female duck down and disappear as if trying to avoid me. All I wanted was to ask for some help. So then the blonde female walks out behind the window I manage to get her attention and let her know all I want to do was ask if there was anyone available to assist me. The female was very rude and I have NEVER felt so humiliated in public! I could n't believe how unprofessional these ladies were toward me. There is no excuse for the poor customer service I received today. I ended up just walking out because I felt so embarrassed. I ended up driving to XXXX to get some help. But I will NEVER go back to you XXXX XXXX location nor recommend it to anyone based on my experience today!
Product: Debt collection

I checked my credit and saw an account from Credit Management for XXXX XXXX for {$580.00}. I never received notice to dispute this debt. I was unaware it existed as I thought I closed out my account on {$0.00} balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX we called XXXX XXXX ( XXXX  ) to pay our card in full and close the account. We asked for the full amount due and paid the full balance of {$2400.00} and asked that our account was closed which it was. The next month on XX/XX/XXXX we received a statement showing a balance of {$39.00} for a late fee charged XX/XX/XXXX, the day before we payed off the card. We called customer service they apologized for the error and we were told it was taken care of and went about the craziness of pandemic life the next months not knowing they did not resolve the {$39.00}. So it began accruing interest. 

Upon pulling a credit report so that we could begin buying a home we realized there had been late payments for those months in between reported to the credit bureaus. We called multiple times and customer service could not help us with this although the did apologize again, after it was totally erroneous and on XX/XX/XXXX customer service refunded the late fees, the interest, and the balance resulting in a {$0.00} balance. 

It took us a very long time to figure out how or who to contact with XX/XX/XXXX about the erroneous late fee on credit report. We finally found out they had a special department so XX/XX/XXXX we sent a letter with all the materials and documents including statements, account showing credits, etc and have yet to hear from them. 

We can not get approved for a home because of how recent the late charges are on our credit report. We are devastated that this error resulting from the {$39.00} charge that was not removed ( or we would have just paid it had they told us to when we called after we paid off the full amount of {$2400.00} in XX/XX/XXXX but they told us not to bc it was their error! ) has left us unable to get approved.
Product: Credit card

Citibank was sending statements to the wrong address. The XXXX had an annual fee which I was unaware, as I did n't receive statement, and cause the card to go XXXX day late before I could catch it. The account had a XXXX balance before the annual fee and now I have paid the annual fee and late charges that it had caused. I asked to have them remove the XXXX day late reporting but they refused but they wont help. They also lowered my credit line from $ XXXX {$250.00}, which is also adversely effecting my Can you please help me with these problems? I have reached out to citibank on multiple occasions, and spent hours on the phone with no resolution. 
mastercard account # XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 15 U.S.C. 1692c ( b ). that law clearly states In this section, the FDCPA sets forth who a debt collector can communicate with in connection with the collection of a debt without the consumer 's consent.

( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, adebt collector may not communicate with a consumer in connection with the collection of any debt ( 1 ) at any unusual time or place or a time or place known or which should be known to be inconvenient to the consumer. In the absence of knowledge of circumstances to the contrary, a debt collector shall assume that the convenient time for communicating with a consumer is after 8 oclock antemeridian and before 9 oclock postmeridian, local time at the consumers location ; ( 2 ) if the debt collector knows the consumer is represented by an attorney with respect to such debt and has knowledge of, or can readily ascertain, such attorneys name and address, unless the attorney fails to respond within a reasonable period of time to a communication from thedebt collector or unless the attorney consents to direct communication with the consumer; or ( 3 ) at the consumers place of employment if the debt collector knows or has reason to know that the consumers employer prohibits the consumer from receiving suchcommunication.

( b ) Communication with third parties Except as provided in section 1692b of this title, without the prior consent of theconsumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a postjudgment judicial remedy, a debt collector may not communicate, in connection with the collection of anydebt, with any person other than theconsumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of thecreditor, or the attorney of the debt collector.

( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumerwishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except ( 1 ) to advise the consumer that thedebt collectors further efforts are being terminated ; ( 2 ) to notify the consumer that thedebt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor; or ( 3 ) where applicable, to notify the consumer that the debt collector orcreditor intends to invoke a specified remedy.

If such notice from the consumer is made by mail, notification shall be complete upon receipt. 
( d ) Consumer defined For the purpose of this section, the term consumer includes the consumers spouse, parent ( if the consumer is a minor ), guardian, executor, or administrator.
Product: Credit card or prepaid card

Re : CitiCard Credit Bureau Dispute Due To Hurricane XXXX ... 

Below is my most recent communication to CitiCard ... To date, they are unable to assist me because their teams were not trained on how to handle XXXX related situations / cases. Can you please assist? 

As per my discussion with Account XXXX XXXX on XX/XX/XXXX ; please review the notes on my account to expedite the removal of the late payments from XX/XX/XXXX and XX/XX/XXXX. During these 2 months, I was directly impacted by hurricane XXXX and had no power for several weeks. Since my home is located in an area that was declared a federal disaster area by XXXX, I was reassured by your team that I would not incur any late fees, penalties or be reported as late with any of the credit bureaus during this difficult time. 
As of today, all three credit bureaus are reporting these 2 months of payments as late. Can you please remove the late payments and kindly update all three credit bureaus today as I am currently in the process of selling my home and can not qualify for a mortgage until this has been resolved. 
Once both late payments have been corrected in your system, can you please fax a letter to my mortgage lender confirming the removal of such and kindly confirm that ALL three credit bureaus have been updated accordingly. Correspondence should be sent to : .. 
Thanking you in advance for your time and assistance with thisHave a wonderful evening! 

Kindest Regards,
Product: Debt collection

This collection company has been properly notified both by mail and fax that the debt they report on my experian does not belong to me. They have been asked to show proof and can not. They have responded to zero request as a matter of fact. Thier phone number listed on the Internet is not valid and I have read horrible things about this same thing happened to thousands of people. It is amazing how little verification is given when C R As ask companies to verify and how much they ignore the law.
Product: Credit card

I applied for the credit card on XX/XX/XXXX based on the promotion info provided on my flight and the information on the application. It clearly states that I will receive XXXX miles after my first purchase which was made on XX/XX/XXXX and I paid my balance on XX/XX/XXXX. 
I called the bank on XXXX and was told that I will not receive the miles until XXXX weeks after my purchase. 
The promotion to give me XXXX miles was deceptive. No where did the info state that I had to wait XXXX weeks after my purchase.
Product: Debt collection

I received a call from a representative from CONVERGENT OUTSOURCING onXX/XX/2020 about the collection of outstanding debt from XXXX. I spoke with the representative from CONVERGENT OUTSOURCING and came to an agreement that I would pay the balance with the condition of a pay to delete. The representative from CONVERGENT OUTSOURCING agreed and paid the debt immediately on my XXXX XXXX. 

Below I have attached a screenshot where the balance shows {$0.00} dollars. 

I have reached out to CONVERGENT OUTSOURCING numerous times trying to remedy the issue. I have opened disputes with the credit reporting agencies ( XXXX   and XXXX  ).
Product: Debt collection

There is an unknown account listed on my credit file stating I owe on a medical bill, first I was never informed of this and would have disputed this. I do not owe any medical bills. This is wrong, please help
Product: Credit reporting or other personal consumer reports

XXXX credit reporting system is showing conflicting information regarding the status of late payments on my accounts : XXXX instances of XXXX late payments and XXXX instances of XXXX late payments are reported when I access my account via my mobile device ; however, these late payments do not appear when I log in through a computer. This discrepancy has made it impossible for me to accurately dispute these inaccuracies, as the desktop versionwhich does not display these late paymentsdoes not reflect the information that is evidently damaging my XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act that 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 or consent.

The date of Last Activity is totally different from all bureaus it is not such as verified they claim for months when they sent to me. They should send me a new copy after delete this inaccuracy, they should be held liable. I've enclosed a copy of my credit report in the screenshot.
Product: Checking or savings account

I have an HSBC advance checking and direct saving accounts open in XX/XX/XXXX. I close my checking and saving account on XX/XX/XXXX, but before I close all my accounts, The HSBC representative told me I can still have access to my accounts statements after account closing. Since all my statement is e-statement so I don't have any hard copy. Now I need to check my HSBC statement but I can not access it online since my accounts have been closed. I am giving misleading information before I close my checking and saving accounts, otherwise, I will save all my statements.
Product: Debt collection

Dear Portfolio Recovery Associates LLC I am writing to formally request that you cease all communication with me regarding the alleged debt associated with the above-referenced account. This request is made pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ), which grants me the right to demand that you stop contacting me regarding this matter. 

Please be advised that : I dispute the validity of this alleged debt. 
I am exercising my rights to request no further communication from your agency regarding this matter. 
Effective immediately, you must stop all forms of communication, including but not limited to phone calls, letters, emails, or any other contact with me, my family, or my employer. Any further contact by your agency, outside of the permissible exceptions outlined in the FDCPA, will be considered a violation of federal law and reported to the Consumer Financial Protection Bureau ( CFPB ) and my states attorney generals office. 

If you believe this request does not apply to your actions, I ask that you provide proof of your authority to collect this debt and validation of the alleged debt itself, as required by 15 U.S.C. 1692g.

Please confirm in writing that you have received this letter and that you will comply with my request. Any failure to abide by this request or any further attempts to contact me, except for the specific purpose of confirming this letter or advising me of legal action, may result in legal action against your agency. 




Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Credit card

I had purchased a XXXX XXXX XXXX XXXX for XXXX $ from Best buy online using the best buy credit card with Citi bank on XX/XX/year> and it says it was delivered on XX/XX/year> but I didn't receive my package I tried contacting Best Buy multiple times and they keep running me around to other people to get my refund. They had me go to XXXX. I opened a case and they closed it and told me to deal with the merchant. I go back to Best Buy and they still tell me they wont be refunding me so I made a dispute on my credit card with Citi bank and they closed it just after best buy provided there side of the tracking number and are running me around to and trying to instantly charge me again for something I didn't receive. Telling me I have to write a letter to them to maybe get it reopened.
Product: Money transfer, virtual currency, or money service

PayPal I was in XXXX  for 4 months and my PayPal business debit card was stolen and used to pull money from my checking account and to top it off the theves put my PayPal account in negative of XXXX or so dollars PayPal is refusing to take care of this fraud due to it being over 180 days they say I have to pay that back I don't owe it to them. And they won't investigate or refund what was stolen from my bank account. I just got out of XXXX  I couldn't do anything tell now. This happened XX/XX/XXXX to end of XXXX I have emails of all the transactions
Product: Bank account or service

Hello, XX/XX/2015 I signed up for the Citi Gold checking account to receive XXXX miles though XXXX. The requirments were, Open a new Regular Checking account in the Citigold Account Package by XXXX/XXXX/15. 
Within 60 days after account opening : complete Qualifying Debit Card Purchases of {$1000.00} using the Citibank XXXX XXXX which must be posted to the new checking account. 
And 1 qualifying bill payment must be posted to the new checking account each month for two consecutive calendar months. 
I met all the requirement and Citi confirmed I would receive my XXXX points by XXXX. I have tried contacting Citi several times about this issue with no feedback or resolution. I am also being charged {$30.00} a month for my checking account to stay open.
Product: Credit reporting or other personal consumer reports

I believe FCRA 605B mandates the elimination of any XXXX accounts from my credit report. Would you mind reviewing the paperwork? Several of the mentioned accounts exhibit inaccuracies in their reporting.