23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Citi bank Costco Credit Card. 
XXXX delivered a dishwasher that they installed. Their installer failed to hook up the return hose and water supply hoses flooding our kitchen and laundry and living room area further making us lose the ability to utilize our kitchen sink. XXXX failed to send a plumber to fix the issue. They documented and advised eventually for us to get our own plumber after several days and they documented that they would reimburse us but to date have failed to do so. We disputed the charge with the Citi Costco Card and submitted documentation requested by Citi customer service. The charge was ruled in our favor after providing the documentation. After completing this process in good faith and still not receiving any reimbursement or repairs from XXXX to date, we instead were retaliated against as Citi now closed our credit card last week citing the disputed charges. Following Citi 's own process for disputing a charge resulted in them discriminating and retaliating against us. I do not feel that what has transpired is right considering I was not warned of this and told disputing a charge would result in forfeiting points, rewards and annual fees. In addition as a result of this, Citi bank now cancelled my other XXXX XXXX card yet of course did not cancel the linked Citibank Savings account I have. I will be closing said account as a result of these actions. Further I would like to request that my annual fees be refunded that were charged that I do not have any benefit from without a working card. Is it best to get an attorney in this case?
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block these files. 
XXXXXXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Balance : {$110.00} XXXXL XXXX Balance : {$140.00} XXXX XXXX Balance : {$180.00} XXXX  XXXX Balance : {$66.00} XXXX XXXX Balance : {$50.00} XXXX XXXX Balance : {$50.00} XXXX  XXXX Balance : {$50.00} XXXX XXXX Bankruptcy XXXX Date Filed/Reported : XX/XX/XXXX If you feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Vehicle loan or lease

I was charged higher interest rates and of fees on my auto loan established XX/XX/2021 to current date. I would like this to be investigated and rectified with a refund and or settlement.
Product: Credit reporting or other personal consumer reports

Back in XXXX of 2023, I tried to rent an apartment, but my application was rejected, and they told me that I have some issues with my credit report. I registered myself on the website called XXXX and I found out that I have multiple unrecognized accounts and inquiries. Because I didn't apply for anything in last few years, I should not have any inquiries or credit cards. Only credit cards that I have is from XXXX XXXX. But I saw XXXX fraud accounts from XXXX XXXX XXXX XXXX and XXXX XXXX I called creditors and credit bureaus about these fraud accounts. Creditors told me they will start investigation on their side, and meanwhile, I need to contact my credit bureaus to dispute these accounts on my side as well which I did. However, since XXXX of 2023, I submitted about XXXX dispute request letter with FTC report, I noticed these fraud accounts come back to my credit report after removal. Every time XXXX request dispute case, I receive letters from creditors and credit bureaus saying that these accounts turn out to be factual or correct account. I called creditors to explain that I have never applied for these accounts and credit bureaus to request proper investigation, results were same : they are all correct information. I attached FTC report, my ID, my social security card, and utility bill to prove myself. I also requested these creditors to send me a copy of application and other documents someone submitted during the application process, but they said no because of privacy issue. If they believe that this is correct account, why don't they send me a copy of documents? I also asked credit bureaus to send me a proof they received from credit companies, but they just told me " I will receive a explanation letter in XXXX business days about my dispute case. '' The letter did not contain any proof except for just regular letter saying my dispute case has been closed and concluded that these are " factual '' accounts. Again, if they have strong proof that these are my accounts, why don't they send me a copy of documents? It's getting almost a year, and I did everything I can to solve my fraud issue by myself. I can't see how to solve this problem anymore. Please help me with protecting and fixing fraud errors in my credit reports. Every time I call credit card companies and credit bureaus, all I receive is just standard and regular letters saying " this is factual account, '' but I see no proof of documents attached. Obviously these credit bureaus are not doing their job correctly. As a credit bureaus, they should do their investigations carefully and make sure send me what creditors sent them, so I can see what information was stolen and I can take next step to remove fraudulent accounts from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports.The XXXX Credit Bureau is reporting inaccurate information on AARGON AGENCY INC. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
Product: Credit reporting

I 'm a victim of identity theft some took my information and try opening up lots of accounts in my name and left lots of heard inquiry on my report. XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX,XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX and XXXXXX/XX/XXXX
Product: Money transfer, virtual currency, or money service

Unexpected Fees - Non Disclosure of Fees. The banking industry needs more oversight and consumer protections placed on it. I was issued a check from my Father 's succession by the title company with an account from JP Morgan/Chase. My bank would hold the check for 10 days. I had an emergency, under duress, stress, and financial hardship and needed the monies asap. I was told over the phone by a Chase Bank, XXXX. XXXX, XXXX, LA teller, there would be no problem cashing the check as I explained I do n't have an account with Chase. There was no mention of an {$8.00} fee. After driving 45 mins.out of my way, even though I ca n't afford the gas, and the stress to get time away from work, to the nearest location to me, I was told there would be an {$8.00} fee which the manager refused to waive and I was told it was their policy. I asked the teller where was that policy posted in this bank building, and she told me that it was n't. They had their bank disclosures posted on the wall, but the print was too small for me to read with glasses and people with XXXX XXXX ca n't read it at all. I also pointed out to the same teller who also mentioned the posted policies that the {$8.00} fee should be specified and it 's not. I asked - she also did n't know. The fee for walking in this bank building and cashing their customer 's check cost me {$8.00}. They are charging their customers and non-customers alike. The principle of anyone taking any money out of my father 's estate except his heirs is infuriating. As a Sr. Citizen, this is unjust! The FTC should be involved as well. I want my {$8.00} from Chase, and I want the US Government to end this unfair banking practice. At the very least, Chase bank should be made to post a sign at the point of transaction at the teller 's window that if you are n't an account holder it 's going to cost you one way or the other. This is a violation of the public trust, rules and ethics and non-disclosure. No wonder businesses are suffering in the US. I would never want my customers to suffer cashing a check from my bank.
Product: Mortgage

My mortgage with XXXX XXXX was modified under the Home Affordable Modification Agreement on XX/XX/XXXX after around five years of paying my mortgage to XXXX XXXX, XXXX XXXX sold the servicing of this note to Specialized Loan Services. Since then I have only had issues such as charges of {$52.00} a month because they were stating that on the there was a grace period ( couldn't tell me how many days ) and a charge of {$52.00} was needed to be charged. I talked to several people in the department beginning late XXXX of this year, then I was told to send them the note I was referring to, which I scanned and sent to XXXX ID # XXXX in XXXX. Later on I received a letter asking me to send the note again. I called and spoke to someone in the Bankruptcy department and was told the same thing. I then received an old note from XXXX XXXX before I filed Chapter XXXX Bankruptcy, I did not affirm the old note at the time since I went through a divorce and could not afford payments of over {$2000.00}, being the reason of bankruptcy. I was directed to speak and receive help XXXX XXXX and dealt with XXXX XXXX for over a year, in which they lost documents constantly so I thought I was going to lose my house and one day I received a letter of being accepted in Home affordable Modification Program. Furthermore signed the agreement I am sending you for your records. 
I called XX/XX/XXXX and spoke to XXXX ID # XXXX and XXXX ID # XXXX. Both rude asking and demanding I pay on time and have refused to transfer me to their bankruptcy department and have told me the payments I have made will not reflect the mortgage payment and will get lost in the system. The reason I couldn't pay by the beginning of the month is because I was an independent per diem federal government court interpreter and was out of work due to the shut down. I caught up and have been paying every month but not by the first and as soon as I have gathered all money before the month ends I sent payment with the additional late fee. At this time I have no solutions but to write and send you the existing modified agreement for you review.
Product: Mortgage

On XX/XX/2020 my placed an over the phone payment for my home mortgage with US Bank. Unlike previous payments we used my wife 's bank account with XXXX XXXX XXXX. At this time we thought everything was fine as the payment over the phone seemed to be ok on the automated system. On rough ; y XX/XX/XXXX I received a letter from US bank stating that our payment was past due and had been reported to the credit. Upon researching what had occurred we found that due to my wife 's XXXX she had used the wrong number for her account. We have reached out to US bank numerous times and have been told there is nothing they can do to help as it is factual that the payment was late. It was only late due to an error caused by XXXX. This is unfair and punishing us due to my wife 's XXXX. I have been advised by credit repair agencies that mortgage companies can work with people, usually by stating " I you make X number of on time in full payments we will rescind the report '' US bank had refused any such arrangement or other arrangement stating there is nothing that they can do. We are being punished because of my wife 's XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX, as a consumer, living man and one of the People mentioned in the Constitution for the United States of America, am aware of all my reserved rights, protected by the Constitution for the United States of America, all state constitutions, and by Congress under the Fair Credit Reporting Act ( FCRA ). Pursuant to 15 U.S. Code 1681a ( b ), " the term 'person ' means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity. Pursuant to FCRA/15 U.S. Code 1681s-2 ( a ) ( 1 ) ( A ), 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. Pursuant to FCRA/15 U.S. Code 1681s-2 ( a ) ( 1 ) ( B ), A person shall not furnish information relating to a consumer to any consumer reporting agency if -- ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate. Pursuant to FCRA Section 602 ( a ) /15 USC 1681 states that I have a right to privacy. Pursuant to FCRA Section 604 ( a ) /15 USC 1681b states that a consumer reporting agency can not furnish an account without my written instructions. Pursuant to Fair Debt Collection Practices Act ( FDCPA ) Section 804/15 U.S. Code 1692b, " any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall -- ... ( 2 ) not state that such consumer owes any debt ; and ( 5 ) not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt. The FDCPA Section 803 ( 6 ) /15 U.S. Code 1692a defined debt collector/person, XXXX XXXX does not have my written instruction to furnish any alleged debt on my consumer reports, especially one that is hearsay evidence, nor any of my personal information disclosed or my alleged involvement with the alleged debt by another person ( XXXX XXXX ). XXXX  XXXX must adhere to a consumer 's right to privacy. Account Name : XXXX  XXXX, Account Number : XXXX has violated my rights multiple times and for years now. Pursuant to 28 U.S. Code 1746, I, XXXX XXXX, verify under penalty of perjury under the United States of America that the foregoing is true and correct. Executed this day XX/XX/2022. XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting a fraudulent account from XXXX XXXX. XXXX  and XXXX  investigated and found account to be fraud. Both bureaus removed account. Equifax is still reporting fraudulent information.
Product: Credit reporting or other personal consumer reports

I have tried to rectify the issues with XXXX as I am a victim of identity theft as well as a victim of the Equifax data breach. XXXX, Equifax refuse to acknowledge my paperwork and are using stall tactics. I have demanded that they remove the information and delete the fraudulent and inaccurate accounts and XXXX and Equifax will not move forward with my documentation. I have submitted a FTC report as my drivers license and social security card. I asked why it wasnt acceptable and they told me that they wouldnt disclose the reasons. I demand that the accounts from my FTC report are removed and that they acknowledge my documents and discontinue the stall tactics that are being used.
Product: Mortgage

A COMPLETE modification package was sent in on   XXXX   XXXX  -2017. Please see attached email/Proof. Nationstar confirmed they had the modification package.
On  XXXX - XXXX -2017 Nationstar stated they would NOT review the file as the sale date Of  XX/XX/XXXX  was too close and 37 days was needed for them to review the file.
The sale date was postponed until   XXXX   XXXX   2017 by Nationstar, yet Nationstar refused to review the documents that were initially sent in on  XXXX - XXXX -2017. We spoke to a Nationstar regarding this issue and they refused to do anything!!! It is very apparent that Nationstar is discriminating against   XXXX   XXXX   based on his race, ethnicity, language, national original. There is not tangible reason why the review process was NOT started back in   XXXX    when Nationstar first got the file. Our office has been disconnected on several occasions by Nationstar employees. The poor communication from Nationstar clearly indicates they simply does not want to review the file for a possible work-out solution. By unreasonably and unnecessarily delaying the modification request,   XXXX   XXXX   continues to get farther and farther behind on the mortgage payments. Nationstar denied the workout request based on inaccurate information and refused to take remedial steps to provide a qualified homeowner with a solution to save the home.
The events described above are just a sample of the practices that are taking place at Nationstar. Nationstar appears to be more interested in foreclosing on homes and fire selling them at auction to make a profit. It appears that Nationstarss lack of participation in a meaningful modification review of Homeowners file indicates a preference to profit directly from his hardships.
At this time, we are demanding the sale date be postponed to continue the review or   XXXX   XXXX   will assert his legal right in district court naming  XXXX  as a defendant.
Product: Checking or savings account

Capital One Bank STOLE {$990.00} and refuses to return it. Money was " sent '' but not " Delivered '' to XXXX the intended recipient. Capital One Says they have a confirmation the money was sent but the recipient does not have the money and CO refuses to find where the money is located in the banking cyber space process. I feel discriminated against and taken advantage of. Does CFPB have attorneys who specialize in cases against banks who operate in disingenuous and suspected fraudulent activity that we could call?
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 

XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX, XXXX, XXXX  ; XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX , GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$110.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$130.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$130.00} ; XXXX XXXX XXXX XXXX Balance XXXX {$620.00} ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXXXXXX was never late! I have had exceptional payment history witH XXXX XXXX  and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XX/XX/2023 AND XX/XX/2023 to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXXXXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Debt collection

This account has inaccurate reporting. The company has failed to properly investigate. Attempting to collect debt that i do not owe, These accounts do not belong to me. If not resolved, I will sue for damages.
Product: Debt collection

Monday XX/XX/XXXX, XXXX XXXX, I received a call that rang once and then went to voicemail. The number on caller ID is XXXX. The message said " This is Western Collection Bureau. We are attempting to collect a debt. Please call XXXX. '' I saved a screenshot of the call log. I also saved the voicemail message, which had the number to " please call ''. I have received other, different, fraudulent " mystery collectors '' with no known debt, about a year ago. This is the first call, on an unknown debt, if any. I challenged a medical lab on digging up an old, outdated bill for {$20.00}, from a year before ( 2019 ), after finding my XXXX, and sending it to me. It stopped sending me bills. Therefore I guessed that it was either a {$20.00} old, challenged lab bill, a minor, invalid collection attempt with nothing in writing, or a fraudulent phishing attempt.
Product: Credit reporting, credit repair services, or other personal consumer reports

All the inquiries that are fraudulent are : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to Conn Credit Corp requesting that they validate Not verify a debt that they are reporting to the three credit bureaus. I specifically asked for a signed agreement and other supporting documentation. They provided me with no documentation to prove that I am obligated to pay them anything only a ledger. They have reported delinquent information to the credit bureaus that I am asking to be deleted.