23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I wrote Chase Bank to dispute two charges, one of {$1600.00} and one of {$400.00} to my debit card account made on XX/XX/2022. The charges are in error because I was victim of a scam, I trusted my bank, Chase bank, to process, verify, approve, and RELEASE the funds of a check that was deposited on XX/XX/2022, with the amount of {$3600.00}. Once I see that the bank approved the funds and that they are in the available balance, I trusted everything was verified by Chase Bank. That is when the previous charges were made. However, seconds after the disputed charges were made, the bank returns the check. Using then funds out of my account that were not meant for these charges. 

I want to know why the bank decides to take out funds that were supposedly already processed, verified, and shown AVAILABLE in my balance. Making me be an easy target to be a victim of scam.
Product: Mortgage

I was enrolled in the COVID Forbearance Program and was told by a Citizen 's employee that it could be extended to 15 months. When I called to resume payments I was told I had to apply for a modification because I was actually only eligible for 12 months and that their employee had made a mistake. During the Forbearance process I was repeatedly given the runaround, I was told to supply the same documents that had already been sent, over and over again. Although I was given a " Relationship XXXX '' named XXXX XXXX, no email or direct line was ever provided. Every call went through the same laborious process. 
Finally a Modification Agreement was created. 
A Notary provided by Citizens came to my home on XXXX, and my wife and I signed the Modification agreement. Since that time Citizens have sent me monthly statements that do not reflect the agreement. Every month I have had to call in and make the agreed payment over the telephone. Sometimes I am told that the paperwork takes time. The papers were signed and notarized XXXX months ago which is way more than enough time. Sometimes I am told that the Notary should have had my wife and I sign two copies and that I will be contacted by another Notary. However no one has contacted me. 
Attachments contain documentation.
Product: Checking or savings account

Good day : I have tried to fix this problem with Capital One with the help of Consumer Financial Protection Bureau Complaint per the following details : Account ending in XXXX Capital One CID : XXXX CFPB Complaint ID : XXXX Capital One responded : " The Spark Business Basic Checking account ending XXXX was originally closed at your request on XX/XX/XXXX '' - THAT IS A LIE! 
Capital One wrote : " The final closeout check number XXXX for {$970.00} was issued to your address on file. Our records indicate you received this check, and it was paid on XX/XX/XXXX. '' - I NEVER RECEIVED THE CHECK! 
The " attached paid check copy '' has an error in the signature! - THAT IS NOT MY SIGNATURE ON FILE SO WHY DID CAPITAL ONE PAY OUT THE MONEY? 
XXXX. XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX XXXX XXXX : XXXX, Consumer XXXX : XX/XX/year> Contents of complaint : I am writing to file a formal complaint against XXXX XXXX, Experian and XXXX regarding their handling of a fraudulent bankruptcy entry on my credit report. This entry is the result of identity theft, and despite my efforts to resolve the issue directly with the credit reporting agencies, the problem persists unresolved. Below are the details of my complaint : Identity Theft Incident 1. Nature of Fraud : An unauthorized bankruptcy was filed in my name without my knowledge or consent. 2. Date of Discovery : XXXX XXXX XXXX. Impact : This fraudulent bankruptcy entry has severely damaged my credit report and financial standing, affecting my ability to obtain credit and maintain a positive financial profile. 
Actions Taken 1. Reporting the Incident : I filed an identity theft report with Federal Trade Commission ( FTC ) ] Report Number XXXX. 
I have submitted a personal statement to the credit bureaus detailing the identity theft and requesting the immediate removal of the fraudulent bankruptcy entry. 
2. Dispute with Credit Bureaus : I have disputed the fraudulent bankruptcy entry with XXXX XXXX, Experian and XXXX under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681c-2, which mandates the blocking of information resulting from identity theft within four business days. 
I have notified the credit bureaus that I am opting out of information sharing and withdrawing any consent for the reporting of this fraudulent bankruptcy. 

Issues Experienced 1. Lack of Response and Action : Despite my disputes and identity theft report, the fraudulent bankruptcy remains on my credit report. Negligent Violation under 15 usc 1681o.

The credit bureau has not removed the fraudulent information in a timely manner, as required by 15 U.S.C. 1681c-2. This section of the FCRA requires removal of such information within four business days.

The credit bureau has not provided adequate verification or a satisfactory explanation for the continued presence of the fraudulent bankruptcy entry.

2. Privacy Violations : The handling of my personal information appears to be inconsistent with privacy protections under 15 U.S.C. 6802 ( Opt-Out Right ) and 16 C.F.R. 313.7 ( Prohibition Against Disclosures to Nonaffiliated Third Parties ). My personal data has been improperly used, impacting my financial standing.

3. Non-Compliance with Fair Credit Reporting Act ( FCRA ) : According to 15 U.S.C. 1681e ( b ), consumer reporting agencies must follow reasonable procedures to ensure maximum accuracy of the information. The continued reporting of this fraudulent bankruptcy indicates non-compliance with this requirement.
Product: Credit card

During XXXX I made a reservation at what was initially advertised as a hotel then once reservation submitted, hotel became XXXX. I immediately canceled reservation. XXXX XXXX ( the XXXX  ) appealed and Citi Bank ( Citi ) reversed the charges and credited my account. Then, XXXX XXXX submitted an absolutely fraudulent 2nd bill that I stayed at their XXXX  on dates I was NOT in XXXX. I have been diligently and aggressively interacting with Citi inclusive of monthly calls, sending them screen shots of information Citi has requested. And, I have offered multiple times to send them screen shot of my passport with visa data, as well as making transactions on my Citi credit card when I was in XXXX. Citi has listened and blown me off. Most recently, on XXXX, fraud supervisor told me she would work this problem out and get back to me in no later than 2 days. She never got back with me. 
And yes, I have kept meticulous records. As of today, XXXX, I have been told by another fraud supervisor that the case is closed b/c too much time has transpired. Point in fact, Citi has delayed taking appropriate action and is presently invoking bureaucratic jargon and procedures to NOT return/credit my money. As I submitted ALL the information Citi required this was the most basic of claims to resolve. XXXX XXXX most clearly perpetrated a fraudulent transaction against me via Citi and Citi was negligent in allowing this occur. Citi is responsible for protecting fraud against their card holders. It is abjectly clear, Citi failed in my case.
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 XXXXXXXX XXXX  XXXX : # XXXX XXXX Sc : # XXXX XXXX XXXX : # XXXX XXXX XXXX XXXX : # XXXX XXXX  : # XXXX XXXX : # XXXX XXXX XXXX : # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX : # XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX 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 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 XXXX years. 
15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX The information listed below, which appears on my credit report, is the result of that XXXX 


XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I am having an issue with billing, when I charge something it posts taking away from my available balance.
Product: Debt collection

Approximately XXXX or 5 months ago, I received a call from CU Recovery Inc and they tried tricking me to reset statute of limitations. I advised them that I did not recall this debt because it was from on or about XXXX. I advised them verbally to cease and desist all future contact with me by phone calls to myself, friends, family and employer and as well postal mail. I made it clear that I consider it harassment and it will not be tolerated. They acknowledged my request and we mutually hung up the phone. About a few weeks to a month later, they called me again! I advised them that it is harassment and I do not want to speak to them again, that time I hung up the phone in anger. Well today I received a letter of collection dated XXXX XXXX, XXXX. The letter states I have XXXX payment options. I have attached a picture of the debt letter they sent me. It 's in reference to account # XXXX in the amount of {$7200.00}. I do not know where this amount came from and the letter does not illustrate DOFD ( date of first default ) and there are no other identifying information illustrated on the letter. I feel as if I 'm being taken advantage of, or that I might be becoming a victim of some sort to CU Recovery Inc. From the initial phone call from over the summer of XXXX, I advised them per the FDCPA that in other cases of case law, courts have allowed a verbal cease order to stand and that is what I advised CU Recovery Inc . They have ignored said request and they need to be stopped. If they are taking the law into their own hands for me, then what are they doing to other consumers? Please help me, I do not appreciate being harassed. Thank you CFPB.
Product: Debt collection

My credit score was at a XXXX and I checked it a few days later and Im the XXXX I want to build it back up
Product: Debt collection

I paid 4 accounts that were charged off from XXXX XXXX through their collection agency however the collection agency has not sent proof of Accts 4 accts being paid off completely.
Product: Credit card or prepaid card

The credit card company decreased my credit limit after a pristine payment record and paying off the card in full. It took my balance from {$1200.00} to {$250.00} credit limit. 

The credit card did not notify me of this change or the reason for this change. 

This action has greatly negatively impacted my credit scores.
Product: Credit card

Denied for a Chase Southwest Credit Card. 

Applied for card in XX/XX/XXXX. 

My application was denied saying that I received a card member bonus within the last 24 months from my application. 

This could not be the case because I received my new card member bonus on XX/XX/XXXX to XXXX XXXX Credit Card XXXX in the amount of XXXX. 

This is greater than 24 months from my application date, and is a violation of their own agreement terms.
Product: Mortgage

In XX/XX/2018 Quicken Loans called and asked if I wanted to refinance my home at a lower interest rate and since I had a lot of equity in my home I could pull some out for things needed around my home. Since Quicken Loans already handled my mortgage the person I was talking to said there would be no problem with me increasing what I owed on my mortgage. I asked if I needed to pay off any of my debts and he said it was up to me on how I receive the funds. 
My wife and I had just returned from a trip to XXXX XXXX and we had purchased a timeshare through XXXX. When asked if I could use some of the funds to pay off XXXX it was related to me that it was strictly up to me on how the funds were to be used. I was told that I could receive the total amount and pay XXXX on my own or they could issue a check directly. The loan was closed and a check was made out to XXXX and mailed to me. 
During this transaction my wife and I found that information we received during the XXXX presentation was not true. Because of the misrepresentation, we ask XXXX to void the contract. 
I called XXXX and asked if the could reissue the check to me instead of XXXX. They had me contact their title company, XXXX XXXX Arizona XXXX XXXX to request that the check be reissued to me. The title company directed me back to Quicken Loans. 
Quicken Loans is refusing to reissue and release the {$12000.00} to me. 
As of this date XXXX XXXX they are holding monies that I am paying mortgage payments on. 
I am requesting that they release these funds and pay interest from the date of the closing of the loans to their release date.
Product: Credit reporting, credit repair services, or other personal consumer reports

On informaation and belief, Experian is fraudulently charging consumers at least {$3.00} ( Georgia ) to temporarily remove a Security Freeze placed on their account. 

Following previous difficulties with Experian in temporarily removing my security freeze, I went online ( X/XX/2017 ) and attempted one again to use the online process to remove the security freeze. 

When asked the 10-digit security pin, I accurately entered it into the online process. This was the same 10-digit pin that the Experian telephonic processed requested, received and validated. 

However, the online system alerted me that the pin was not accurate and prompted me to submit the request without the 10-pin and I would be asked a few questions in order to validate my identity. 

When I did so I was prompted to submit payment of {$3.00} by way of credit card because that is what the State of Georgia allowed. 

Given the millions who have been compromised by the negligence and/or malfeasance and/or misfeasance of all of the Credit Bureaus, millions must be flocking to freeze their account. 

An immediate audit should be conducted by and independent review organization in order to determine how many times ( millions I would wager ) Experian and the other two Credit Bureaus have inappropriate charged consumers to unfreeze their accounts. Each provide a pin to allow the consumer to unfreeze the account, however, on information and/or belief, Experian and the other two bureaus XXXX and XXXX XXXX, in my opinion, developed an elaborate ruse to notice consumers that their pin was inaccurate and then subsequently charged said consumer. Again, and instant and thorough audit would readily reveal the ruse and the magnitude of unauthorized fees each have taken under false pretenses. 

As of this writing, my Security Freeze still has not been lifted allwoing creditors access to my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit and found a collections account with the original creditors name as XXXX XXXX, ENHANCED RECOVERY COMPANY is the debt collection company who took over the debt. I for one never opened a XXXX account on XX/XX/2020, or ever for that matter. I have paid all my bills all my life yet this collection agency resided to provide actual signatures or proof of use since this looks very much like ID theft. I have asked them several times to discontinue threatening me at work with legal XXXX and to provide an actual account number and date of service. When I mentioned the ID theft CPFB they said I was " on XXXX  and should learn to pay my bills. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

I am trying to understand why it is OK for Equifax to compromise my credit accounts to the dark web and tell me that I now have to lock and unlock my credit report when I want to access it. I have spent over 2 hrs trying to get some explanation as to why their mistake is costing me my valuable time, when I did not cause this. Consider the COUNTLESS hours  and heartache they have caused Millions of consumers. This is unacceptable by any standard.
Product: Mortgage

I received an escrow refund from Mr. Cooper in XXXX that was sent to my previous mailing address at XXXX XXXX XXXX XXXX. I have not been there in a year and was lucky enough to have my mail still forwarded. I also receive Marketing materials sent to my previous mailing address however receive my bill at my current mailing address. 

I have two mortgage loans with Mr. Cooper and due to this error requesting a list of all escrow refunds for my account in the last 13 years and a confirmation that the checks have been cashed by me. I have moved at least 7 times in the last 13 years. 

Account XXXX Account XXXX Additionally called today XX/XX/2019 to inquire on why I have an overdue payment amount is due in the amount of XXXX on account XXXX and they stated it had to do with an escrow payment that is due. I want an explanation on why I received an escrow refund and then I owe you for additional escrows. I waited an hour to speak to a representative and she had the nerve to ask if I wanted to be transferred to the escrow department. I said absolutely not, you can answer to the CFPB.
Product: Credit reporting or other personal consumer reports

I am writing to address the discrepancies on my credit report, which I have been reviewing to secure housing for my family. Upon examination, I found two charge-off accounts with Jefferson Capitol , despite having no contractual agreement with them. When I requested validation proof through my signature, I received a bill with payment arrangements for one account, but no signature proof was provided. Following my disputes, which began in XXXX, the accounts were reopened, and I was assured of the accuracy of the information, but no supporting documentation was provided. I have previously contacted XXXX regarding this matter multiple times, most recently on XX/XX/XXXX. According to 15 U.S. Code 1601-1667f, I dispute the accuracy and fairness of these accounts, which I believe constitute defamation of character and hinder my ability to provide shelter for my children.
Product: Credit card

After logging on to my Bank of America Credit Card site ( XXXX XXXX, 2015 ), I saw that there was a message from Bank of America. The message stated that they were voiding and removing any of my Reward Points from my Elite Reward Program as of XXXX XXXX, 2015. I called the Bank of America to investigate. I was told that they sent a message to me in XXXX and that there was nothing that they would do to reinstate my Reward Points. I asked how they could do such an amoral action? I was informed that they agreed with me that it was wrong, but that it was a corporate action. The total value of my collected points was about {$700.00}. I was going to use this to buy airline tickets to my wife 's family for XXXX. Ahh!!!!! This is just not right. I have played by the rules my whole life regarding paying my bills and saving {$.00} Please help and let others know that their points have been robbed. Thank you
Product: Debt collection

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the FOCUS FINANCIAL SERVICES ( Original Creditor : XXXX XXXX XXXX ) still remains on my credit report in violation of Federal Law. The 3 Credit Bureaus failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I submitted a dispute about a bankruptcy showing up on my credit report inaccurately. I got a letter back from XXXX  and Transunion on XX/XX/XXXX saying that it was verified as accurate from XXXX. 

I find this hard to believe as the only person who can legally verify this item would be the person or instution with first hand knowledge in this case the bankruptcy court itself. 

I have documentation from the court house saying they do not verify records with any 3rd parties or credit bureaus. ( see attached letter ) Not only that under the FCRA 603 ( o ) ( 5 ) ( A ) ( i ; iii ) concerning 3rd parties or anyone pertaining to this particular situation I would have to give written consent and permission for them to report this on my credit file.. I have not consented to anyone posting this subterfuge. Not only is this information inaccurately reporting.. It is ILLEGALLY reporting. 

So I disputed with the credit bureaus again on XX/XX/XXXX exercising my rights under the FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate and verify this item. They have not respond and it has now been over 45 days. 

According to the FCRA in order for Credit Bureaus to report information on my file it MUST be 100 % Accurate and True. 

This inaccurate bankruptcy showing up on my credit report has caused me pain and suffering and has prevented me from obtaining credit to make a living for my family. 

I demand direct proof of the accuracy of this Account according to FCRA, Section 611, paragraph ( 6 ) ( B ) ( iii ) or delete the bankruptcy from my credit report according to FCRA, Section 609 a ( 2 ).

Thank you.