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

I have XXXX citi credit card and I have only applied for XXXX citi credit card which is the XXXX that I got approved for a while back ( citi Costco anywhere visa credit card ). I called citi. They hung up on me twice when I tried to explain my situation the best I could to get all those applications removed permanently from their system besides the one I got approved for. Like I stated I have only applied once and got approved. They stated that there are numerous applications on my account, even thought I specifically told them I only applied once in my entire life and that was before they hung up on me and before I could explain my situation further.
Product: Credit card or prepaid card

Attempted to close a zero balance credit card with the company via the customer service phone number on XX/XX/2022. As of today, the card was NEVER closed and still shows available credit online. The incompetent phone representative even claimed " no '' when I asked if the closed account will report to the credit reporting agencies as account closed by consumer. The call lasted for 18 minutes, and the useless representative could not provide an answer as to why the account will not be closed and updated with the credit reporting agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have researched and found according to Fair Credit Reporting Act : Section a-1-A credit agencies are not suppose to accept reports from a third party. We have contacted the courts and they specifically said they DO NOT report bankruptcies to credit agencies. We have contacted by two certified letters, Experian Credit agency, asking them to remove this. We enclosed with the letters, a letter from the court stating their policy. Could you please help us in this matter Experian is the only one still reporting this. 
Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a complaint with XXXX in XX/XX/2022 and never heard anything. Per XXXX XXXX missed payments that were incorrectly reported were removed. I contacted XXXX and they informed me that the dispute was closed. I asked why didn't I receive some updated information and XXXX mentioned that they do not update consumers that we have to call in. I have several items on my report that are not mine or reported incorrectly. This is affecting me from getting approved for a mortgage. My score has dropped well over 100 points actually XXXX  points without any explanation. I asked for signed documents of my signature and they couldn't provide it.
Product: Credit card or prepaid card

I got scammed for XXXX for trying to order a puppy online XX/XX/2021. Long story short it was XXXX for the puppy. Upon arrival they added 3 different fees to receive puppy, that were 100 % refundable. I only paid 2 fees because when they asked for the 3rd one I knew it was a scam. Chase bank says that cant do nothing about.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent in a letter explain errors on my credit report over 30 days ago. I seen a whole bunch of errors and marks on my report that I was un aware of. Especially marks on my report when i was incarcerated. I need to this incorrect infor off my report this is affecting my ability to grow since i have been home
Product: Debt collection

I recently checked my credit report and seen that I have a collection claim on my account from M & M Credit for {$680.00} however, I have never done any business with this company and dont know why or how this is popping up on my credit report
Product: Money transfer, virtual currency, or money service

Hello XXXX XXXX, my PayPal account is suddenly unable to withdraw cash, and I have contacted PayPal customer service many times and it is not allowed to withdraw cash, please help me
Product: Debt collection

National Credit Systems refuses to give me an itemized breakdown of the debt that is owed. I have attempted contact through phone call on several occasions spread out throughout the last few years and can never get an itemized list of debts.
Product: Credit reporting, credit repair services, or other personal consumer reports

Both my self and daughter have requested numerous times to have a freeze placed on our consumer credit files. 

We have certified acknowledgement that both XXXX and XXXX XXXX have received our requests. As of today, we still have people searching our credit without authorization to do so and false claims on our credit. With the breach of XXXX and our mail stolen ( with Police report ) we have requested with the 3 credit reporting agencies to put fraud alerts as well. 

My daughters credit report was obtained by a mortgage office ; however, we expected to be able to release the check for 24 hours to allow them to pull report. There is NO FREEZE on these accounts. 

If we don't receive the cooperation, we will file a small claims court action to protect our rights.
Product: Mortgage

Dear CFPB, I am complaining about JP Morgan Chase Bank N.A., their Law Firm XXXX, XXXX XXXX, and XXXX County, Illinois Public Officials stealing my home and personal property at XXXX XXXX XXXX, XXXX, Illinois XXXX Case number is XXXX XXXX XXXX, Illinois. I am the Son ( XXXX XXXX ) and was the lifelong tenant in possession of the property, The loan was paid off after my father died, ( XXXX a XXXX Veteran ) in XXXX and then after my mother died ( XXXX XXXX XXXX ) a Spouse of a Veteran in XXXX they sued her for a loan that was paid off the Court Lacked Jurisdiction you can not sue dead people, JP Morgan Chase Bank and their Attorneys XXXX and XXXX XXXX, have engaged in a pattern and practice of paying illegal kickbacks ( Bribes ) to public Officials to steal people 's homes, inheritance, and personal property, the Sheriff of XXXX County and the XXXX Illinois Police department evicted me ( theft ) without a eviction order signed by the land owners my parents XXXX and XXXX XXXX. All parties have engaged in fraud and felonies to steal my home and inheritance and personal property. 
It is Civil rights Violations to evict a family member of a servicemember, the home was paid. 

My contact information since I am homeless is. 

XXXX XXXX Son of XXXX XXXX and XXXX XXXX Deceased XXXX XXXX XXXX XXXX XXXX, Illinois XXXX Phone XXXX Email XXXX XXXX
Product: Credit reporting or other personal consumer reports

I hope this message finds you well. I am writing to express my ongoing frustration and disappointment with the unresolved issue of fraudulent items on my credit report, despite multiple attempts to rectify this situation. 

I have made numerous attempts to dispute and remove fraudulent entries from my credit report with 3 Credit Bureaus. Despite my persistent efforts, these fraudulent items persist, adversely impacting my creditworthiness and causing significant distress. 

I provided all necessary documentation, evidence, and information to support my claim of fraudulent activity. However, to my dismay, the corrections have not been implemented, and the fraudulent items continue to tarnish my credit history. 

I understand the importance of a thorough investigation in cases of fraud, and I appreciate the efforts taken to maintain the integrity of credit reporting. However, the prolonged presence of these fraudulent entries is not only detrimental to my financial standing but also erodes my confidence in the credit reporting system. 

I urge you to escalate this matter and conduct a comprehensive review of the fraudulent items on my credit report. I have consistently cooperated by providing all relevant information for a thorough investigation, and I believe a swift resolution is now imperative. 

It is my expectation that 3 Credit Bureaus takes immediate and effective action to rectify this situation. I request clear communication regarding the steps being taken to address this issue and insist on receiving a specific timeline for the removal of the fraudulent items from my credit report. I am asking for your assistance to remove these fraudulent items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$2200.00}.
Product: Bank account or service

Bank of America is allowing fraud since a merchant received items back and has kept my money.
Product: Checking or savings account

On XX/XX/20, I noticed discrepancies in my checking account. I immediately contacted my bank and closed my bank card. I then made numerous attempts to the CashApp in which I was directed to contact XXXX XXXX. By attempting to contact XXXX XXXX   proved to be futile except for hearing announcement indicating that there seem to be scams going on with CashApp. 
When I contacted my bank, they wanted a history of the transaction from CashApp in which there was none that I could have located. I then decided to file a complaint with cfpb for resolution. 
This is the history of the activity in question regarding my checking account that is affiliated to my CashApp. 
On XX/XX/20, there was a {$500.00} deposit into my CashApp. id # XXXX. On XX/XX/20, {$10.00} was taken out of my checking account, id # XXXX. On XX/XX/20, I sent {$50.00} to my son 's teacher via CashAp : id # XXXX. On XX/XX/20, an amount of {$14.00} was taken out of my checking account, id # XXXX. On XX/XX/20, I noticed {$19.00} was taken out from my checking account id : # XXXX and on that same date, XX/XX/20, for the same amount, {$19.00}, same id # XXXX. Then, on XX/XX/20, {$14.00} was taken out, id # XXXX. On XX/XX/20, I received {$500.00} from CashAp id # XXXX. On XX/XX/20, {$19.00} was taken out from my checking account that is affiliated with my CashApp, id # XXXX. On that same date, XX/XX/20, another transaction for {$26.00} was again taken out from my checking account, id # XXXX. On XX/XX/20, {$19.00} was again taken out id # XXXX. On XX/XX/20, {$26.00} was again taken out form my checking account, id # XXXX. On XX/XX/20, {$46.00} was taken out again, id # XXXX. Then on the same date, XX/XX/20, {$49.00} was taken out of my checking account again, id # XXXX. Another transaction took place on the same date, XX/XX/20 for {$49.00} again, id # XXXX. On that same date, another transaction took place for the amount of {$49.00}, id # XXXX.
Product: Vehicle loan or lease

We requested a pay off from Credit Acceptance on XX/XX/XXXX, our bank sent the payment XX/XX/XXXX, and Credit Acceptance said there was an additional payment in the amount of {$200.00} that was due the XXXX that was not paid, Credit Acceptance didnt reach out and let us know they would not be processing that payment and left our account open, and as of XX/XX/XXXX they still left our account open and hurt our credit. We have since sold the car and now Credit Acceptance is saying we owe nearly {$500.00} dollars since XXXX as they never closed the account with them AFTER our bank sent the payment ( and Credit Acceptance accepted the check ) They have continued to charge us behind our back and not letting us know they have done so. When we reached out to them about this issue we were told Well maybe if you logged into the customer portal more, you wouldve seen these payments not made, and we will get back to you within 72 hours on whether or not you owe this due to you not being responsible for checking the account.. we were under the assumption that once our bank sent the payoff amount- we were done dealing with Credit Acceptance so there was no reason to check the customer portal not only was Credit Acceptance dishonest with the payoff amount they were also very sleazy in customer care when they are at fault for the shady business deal behind our back. We would NEVER recommend them again, the interest rate alone shouldve been the red flag from the start.
Product: Money transfer, virtual currency, or money service

Just to advise there were no topics/choices from the type of problems page that exactly meets my situation .... Im writing in hopes to get some type of resolution to an ongoing dispute between myself, XXXX XXXX XXXX XXXX XXXX ( XXXX ) and PayPal. On XX/XX/2020 I made a purchase in the amount of {$39.00} using my ( XXXX  ) XXXX  debit card through PayPal to a company name XXXX XXXX. I paid for expedited shipping in which the item was to arrive within 7 business days. XX/XX/2020 two weeks after not receiving the item I constantly emailed both the merchant and PayPal in which is the only method of communication that is available. I was given several different reasons as to why the item wasnt shipped, none that was acceptable to me as I paid for expedited shipping. XX/XX/2020 I again emailed both the merchant and PayPal requesting a refund as the item did not arrive in the payment timeframe and was no longer needed. XX/XX/2020 I contacted XXXX in regards to the disputing the transaction that occurred with my VISA debit card. I explained my situation to XXXX XXXX whom sent me a Cardholder Dispute Item Statement Form. I completed the paperwork indicating I never received the merchandise and would like to request a refund. XX/XX/2020 I contacted XXXX explained to her the item finally arrived however was not as describe as advertised, therefore I returned the merchandise immediately. XX/XX/2020 A provisional credit was applied to my account from XXXX XXXX  ), only to be debited from my account on XX/XX/2020. XX/XX/2020 PayPal indicated the funds were surrendered to my account on XX/XX/2020 upon my dispute however would not provide me documentation of the refund. XXXX denies PayPal refunded the money. PayPal explained to me once a case is open with the bank they can no longer open a case in PayPal, for me to contact my bank as their case is now closed. I then called my bank ( XXXX ) and spoke with XXXX XXXX who advised me PayPal never surrendered the funds and she provided me with the dispute form indicating PayPals response as dispute invalid as I did receive the merchandise. My issues with this is on XX/XX/2020 I did contact XXXX  indicating I did finally receive the merchandise 32 days later and that it was no longer needed and it was not describe as advertised, therefore I returned the merchandise. The wholesaler currently has my money and the merchandise. Both parties XXXX and PayPal are referring me back to one another indicating there is nothing else they can do. My major grievance in this response from both parties is that I am in no way able to recuperate my payment and the vendor has both payment and the product. Both PayPal and XXXX are stating that I must work with the other company to settle this issue and neither is willing to provide a resolution. I am asking for both companies to come to a conclusion and refund the payment processed.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX CAPITAL ONE BANK USA XXXX Capital One XXXXXXXX XXXX, VA XXXX Dear : CAPITAL ONE BANK USA Your credit inquiry is damaging my credit rating. Provide full documentation regarding the circumstances. 
surrounding your review of my XXXX credit report, XXXX, pursuant to the permissible purpose provisions of the Fair Credit Reporting Act? The inquiry was placed on my consumer file on this date : XX/XX/XXXX 2023
Product: Debt collection

Please note that the name on this collection account is my maiden name vs my current name. See attachment with maiden name on it. I would first like to state that this is not an acknowledgment of debt. I disputed and requested information and documentation of the said debt and have not received. Furthermore, the said debt which I again am not claiming is mine, would have reached the statute of limitations for both XXXX where I lived in XXXX  and XXXX where I reside as of XXXX They did not provide evidence of this debt and I had not heard back from them. Again, this is not an acknowledgement of the claimed debt, but if the debt was from XXXX as they claim, the statute of limitations in XXXX ( where I used to live ) is 4 years and would have expired in XXXX ( I. lived in XXXX till XXXX XXXX  ). If using XXXX statute of limitations, it is 6 years, which would be XXXX  Regardless under the Fair Debt Collection Practices Act this is illegal. Under the Fair Debt Collection Practices Act collection agencies must abide by the following federal mandates. The collection agency which is attempting to claim said debt as mine should be aware of the laws regarding attempting to collect on debts past the statue of limitations listed below. XXXX REVISED JUDICATURE ACT OF XXXX ( EXCERPT ) Act 236 of 1961 600.5807 Damages for breach of contract ; specific performance ; period of limitations ; bond ; deed ; mortgage ; surety bond ; appeal bond ; public obligations ; other actions. Sec. 5807. ( 9 ) The period of limitations is 6 years for an action to recover damages or money due for breach of contract. XXXX CIVIL PRACTICE AND REMEDIES CODE TITLE 2. TRIAL, JUDGMENT, AND APPEAL SUBTITLE B. TRIAL MATTERS CHAPTER 16. LIMITATIONS SUBCHAPTER A. LIMITATIONS OF PERSONAL ACTIONS Added by Acts 2005, 79th Leg., Ch . 97 ( S.B. 15 ), Sec. 4, eff. XXXX XXXX XXXX. Sec. 16.004. FOUR-YEAR LIMITATIONS PERIOD. ( a ) A person must bring suit on the following actions not later than four years after the day the cause of action accrues : ( 1 ) specific performance of a contract for the conveyance of real property ; ( 2 ) penalty or damages on the penal clause of a bond to convey real property ; ( 3 ) debt ; ( 4 ) fraud ; or ( 5 ) breach of fiduciary duty.
Product: Mortgage

**Please note this isn't a duplicate. The prior complaint was taken over the phone by a CFPB rep because I didn't have access to my laptop at the time. Upon reading what was submitted I discovered it's not the entirety of what I said or what was read back to me so I'm trying to come back and clarify. ** My questions for Loan Care, LLC are : 1. why have my loan fees increased by approx 2,000 multiple times even since the HOA back dues issue was settled. 
2. why am I not routinely sent a breakdown and explanation of what makes up the fee totals on my mortgage. ( online has one total, statement has another, verbal from rep and loan balance indicate yet another ) 3. can I please get a clear explanation via response to this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advised this is my FOURTH WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately. Account Name : XXXX XXXX XXXX Account Number : XXXX ; Account NamXXXX XXXX XXXX XXXX Account Number : XXXX ; Account Name : XXXX XXXX XXXX Account Number : XXXX ; Account Name : XXXX XXXX XXXX  XXXX Account Number : XXXX ; Account Name : XXXX, Account Number : XXXX ; Account Name : XXXX, Account Number : XXXX ; Account Name : XXXX XXXX, Account Number : XXXX ; Account Name : Unknown, Account Number : XXXX ; Account Name : Unknown, Account Number : XXXX ; Account Name : XXXX, Account Number : XXXX ; and Account Name : XXXX XXXX, Account Number : XXXX Reason : pls verify and validate all data for this account, every notation, dates, and balances, whether reported or not and I would like to be provided proof the method for which you are verifying as well as the exact details that match because without exact matches this account must be removed immediately as per FCRA XXXX On top of it, this is a collection account, and the collector needs to prove that this debt can survive collection, that they own this debt and the extent to which they can collect this debt and that all their details match the original creditor. Without it, must be removed. * Please remove all non-account holding inquiries over 30 days old. Thank You, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am being violated by Equifax as they are reporting information on my consumer report not in accordance with my written instructions infringing upon my rights as a consumer pursuant to 15 USC 1681. I have sent them an affidavit of truth stating the issues and how to immediately remedy the situation. I have received no response.
Product: Checking or savings account

Im being overly charge for over draft fee from other companies charging my account and navy federal knows their is no money in the account and still charge me for not having money in my account. I have an overdraft protection plan on my account as well. I am a single mother and now i cant afford to these extra fees Ive been with the company for over 2 years and these fees are ridiculous.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting my account closed as of XX/XX/2019 when it is not closed it is PAID OFF as of XX/XX/2019, this caused a 69 score point decrease on my Equifax credit file/ report.
Product: Debt collection

I got a bill from Heartland Resolution Group saying I owe {$1000.00} to XXXX XXXX XXXX XXXX XXXX. But the name of the person in the bill is not me. We have different last name.